<SEC-DOCUMENT>0001193125-22-309205.txt : 20221220
<SEC-HEADER>0001193125-22-309205.hdr.sgml : 20221220
<ACCEPTANCE-DATETIME>20221220170038
ACCESSION NUMBER:		0001193125-22-309205
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20221220
ITEM INFORMATION:		Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20221220
DATE AS OF CHANGE:		20221220

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			REINSURANCE GROUP OF AMERICA INC
		CENTRAL INDEX KEY:			0000898174
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		IRS NUMBER:				431627032
		STATE OF INCORPORATION:			MO
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-11848
		FILM NUMBER:		221475586

	BUSINESS ADDRESS:	
		STREET 1:		16600 SWINGLEY RIDGE ROAD
		CITY:			CHESTERFIELD
		STATE:			MO
		ZIP:			63017
		BUSINESS PHONE:		6367367000

	MAIL ADDRESS:	
		STREET 1:		16600 SWINGLEY RIDGE ROAD
		CITY:			CHESTERFIELD
		STATE:			MO
		ZIP:			63017
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>d438101d8k.htm
<DESCRIPTION>8-K
<TEXT>
<XBRL>
<?xml version="1.0" encoding="utf-8" ?>
<html xmlns:dei="http://xbrl.sec.gov/dei/2022" xmlns:us-types="http://fasb.org/us-types/2022" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:rga="http://www.rgare.com/20221220" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2015-02-26" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:us-gaap="http://fasb.org/us-gaap/2022" xmlns="http://www.w3.org/1999/xhtml">
<head>
<title>8-K</title>
<meta http-equiv="Content-Type" content="text/html" />
</head>
   <body><div style="display:none"> <ix:header> <ix:hidden> <ix:nonNumeric id="Hidden_dei_EntityRegistrantName" name="dei:EntityRegistrantName" contextRef="duration_2022-12-20_to_2022-12-20">REINSURANCE GROUP OF AMERICA INC</ix:nonNumeric> <ix:nonNumeric name="dei:AmendmentFlag" contextRef="duration_2022-12-20_to_2022-12-20">false</ix:nonNumeric> <ix:nonNumeric id="Hidden_dei_EntityCentralIndexKey" name="dei:EntityCentralIndexKey" contextRef="duration_2022-12-20_to_2022-12-20">0000898174</ix:nonNumeric> <ix:nonNumeric id="Hidden_dei_CurrentFiscalYearEndDate_duration_2022-12-20_to_2022-12-20" name="dei:CurrentFiscalYearEndDate" contextRef="duration_2022-12-20_to_2022-12-20">--12-31</ix:nonNumeric> </ix:hidden> <ix:references> <link:schemaRef xlink:type="simple" xlink:href="rga-20221220.xsd" xlink:arcrole="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase"></link:schemaRef> </ix:references> <ix:resources> <xbrli:context id="duration_2022-12-20_to_2022-12-20"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000898174</xbrli:identifier> </xbrli:entity> <xbrli:period> <xbrli:startDate>2022-12-20</xbrli:startDate> <xbrli:endDate>2022-12-20</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000898174</xbrli:identifier> <xbrli:segment> <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2022-12-20</xbrli:startDate> <xbrli:endDate>2022-12-20</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000898174</xbrli:identifier> <xbrli:segment> <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">rga:M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member</xbrldi:explicitMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2022-12-20</xbrli:startDate> <xbrli:endDate>2022-12-20</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue2052Member"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000898174</xbrli:identifier> <xbrli:segment> <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">rga:M7.125FixedRateResetSubordinatedDebenturesDue2052Member</xbrldi:explicitMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2022-12-20</xbrli:startDate> <xbrli:endDate>2022-12-20</xbrli:endDate> </xbrli:period> </xbrli:context> </ix:resources> </ix:header> </div> <div style="text-align:center"> <div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto"> <p style="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&#160;</p> <p style="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&#160;</p> <p style="margin-top:4pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman;font-weight:bold;text-align:center">UNITED STATES</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman;font-weight:bold;text-align:center">SECURITIES AND EXCHANGE COMMISSION</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">Washington, D.C. 20549</p> <p style="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:8pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman;font-weight:bold;text-align:center">FORM <span style="white-space:nowrap"><ix:nonNumeric name="dei:DocumentType" contextRef="duration_2022-12-20_to_2022-12-20">8-K</ix:nonNumeric></span></p> <p style="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:8pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">CURRENT REPORT</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">Pursuant to Section&#160;13 or 15(d)</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">of the Securities Exchange Act of 1934</p> <p style="margin-top:10pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">Date of Report (Date of Earliest Event Reported): <ix:nonNumeric name="dei:DocumentPeriodEndDate" contextRef="duration_2022-12-20_to_2022-12-20" format="ixt:datemonthdayyearen">December&#160;20, 2022</ix:nonNumeric></p> <p style="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:8pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman;font-weight:bold;text-align:center"> <span style=" -sec-ix-hidden:Hidden_dei_EntityRegistrantName">REINSURANCE GROUP OF AMERICA, INCORPORATED</span> </p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Exact Name of Registrant as Specified in its Charter)</p> <p style="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; font-family:Times New Roman; font-size:8pt;width:100%;border:0;margin:0 auto">
<tr>
<td style="width:34%"></td>
<td style="vertical-align:bottom"></td>
<td style="width:32%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="width:32%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:EntityIncorporationStateCountryCode" contextRef="duration_2022-12-20_to_2022-12-20" format="ixt-sec:stateprovnameen">Missouri</ix:nonNumeric></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><span style="white-space:nowrap"><ix:nonNumeric name="dei:EntityFileNumber" contextRef="duration_2022-12-20_to_2022-12-20">1-11848</ix:nonNumeric></span></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><span style="white-space:nowrap"><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" contextRef="duration_2022-12-20_to_2022-12-20">43-1627032</ix:nonNumeric></span></span></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style=" text-align: center;margin:auto; vertical-align:top"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(State or Other Jurisdiction</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">of Incorporation)</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Commission</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">File Number)</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(IRS Employer</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Identification No.)</p></td></tr></table> <p style="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center"><ix:nonNumeric name="dei:EntityAddressAddressLine1" contextRef="duration_2022-12-20_to_2022-12-20">16600 Swingley Ridge Road</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressCityOrTown" contextRef="duration_2022-12-20_to_2022-12-20">Chesterfield</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressStateOrProvince" contextRef="duration_2022-12-20_to_2022-12-20" format="ixt-sec:stateprovnameen">Missouri</ix:nonNumeric> <ix:nonNumeric name="dei:EntityAddressPostalZipCode" contextRef="duration_2022-12-20_to_2022-12-20">63017</ix:nonNumeric></p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Address of Principal Executive Offices, and Zip Code)</p> <p style="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">Registrant&#8217;s telephone number, including area code: <ix:nonNumeric name="dei:CityAreaCode" contextRef="duration_2022-12-20_to_2022-12-20">(636)</ix:nonNumeric> <span style="white-space:nowrap"><ix:nonNumeric name="dei:LocalPhoneNumber" contextRef="duration_2022-12-20_to_2022-12-20">736-7000</ix:nonNumeric></span></p> <p style="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Check the appropriate box below if the Form <span style="white-space:nowrap">8-K</span> filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</p> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top"><ix:nonNumeric name="dei:WrittenCommunications" contextRef="duration_2022-12-20_to_2022-12-20" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top"><ix:nonNumeric name="dei:SolicitingMaterial" contextRef="duration_2022-12-20_to_2022-12-20" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">Soliciting material pursuant to Rule <span style="white-space:nowrap">14a-12</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.14a-12)</span></p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top"><ix:nonNumeric name="dei:PreCommencementTenderOffer" contextRef="duration_2022-12-20_to_2022-12-20" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left"><span style="white-space:nowrap">Pre-commencement</span> communications pursuant to Rule <span style="white-space:nowrap">14d-2(b)</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.14d-2(b))</span></p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" contextRef="duration_2022-12-20_to_2022-12-20" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left"><span style="white-space:nowrap">Pre-commencement</span> communications pursuant to Rule <span style="white-space:nowrap">13e-4(c)</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.13e-4(c))</span></p></td></tr></table> <p style="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Securities registered pursuant to Section&#160;12(b) of the Act:</p> <p style="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;width:100%;border:0;margin:0 auto">
<tr>
<td style="width:34%"></td>
<td style="vertical-align:bottom"></td>
<td style="width:32%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="width:32%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom;white-space:nowrap"> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Title of each class</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Trading</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Symbol(s)</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Name of each exchange</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">on which registered</p></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">Common Stock, par value $0.01</ix:nonNumeric></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">RGA</ix:nonNumeric></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member">5.75% <span style="white-space:nowrap"><span style="white-space:nowrap">Fixed-To-Floating</span></span> Rate Subordinated Debentures due 2056</ix:nonNumeric></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member">RZB</ix:nonNumeric></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue2052Member">7.125% Fixed-Rate Reset Subordinated Debentures due 2052</ix:nonNumeric></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue2052Member">RZC</ix:nonNumeric></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue2052Member" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric></td></tr></table> <p style="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule <span style="white-space:nowrap">12b-2</span> of the Securities Exchange Act of 1934 <span style="white-space:nowrap">(&#167;240.12b-2</span> of this chapter):</p> <p style="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><ix:nonNumeric name="dei:EntityEmergingGrowthCompany" contextRef="duration_2022-12-20_to_2022-12-20" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric>&#160;&#160;Emerging growth company</p> <p style="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#9744;&#160;&#160;If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section&#160;13(a) of the Exchange Act.</p> <p style="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <p style="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&#160;</p> <p style="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&#160;</p></div></div>

<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />

<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">

<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:11%;vertical-align:top" align="left"><span style="font-weight:bold">Item&#160;5.03.</span></td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:left">Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year </p></td></tr></table> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">On&#160;December&#160;20, 2022, in connection with the new Securities and Exchange Commission Rule <span style="white-space:nowrap">14a-19</span> under the Securities Exchange Act of 1934, as amended regarding universal proxy cards (the &#8220;Universal Proxy Rule&#8221;) and a periodic review of the bylaws of Reinsurance Group of America, Incorporated (the &#8220;Company&#8221;), the Board of Directors (the &#8220;Board&#8221;) of the Company adopted and approved amended and restated bylaws (the &#8220;Amended and Restated Bylaws&#8221;), effective immediately. Among other things, the amendments effected by the Amended and Restated Bylaws: </p> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:5%">&#160;</td>
<td style="width:3%;vertical-align:top" align="left">&#8226;</td>
<td style="width:1%;vertical-align:top">&#160;</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt;text-align:left">Enhance procedural mechanics and disclosure requirements in connection with shareholder nominations of directors made in connection with annual and special meetings of shareholders, including, without limitation: </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:10%">&#160;</td>
<td style="width:2%;vertical-align:top" align="left">&#8226;</td>
<td style="width:1%;vertical-align:top">&#160;</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt;text-align:left">Adding a requirement that any shareholder submitting a nomination notice make a representation as to whether such shareholder intends to solicit proxies in support of director nominees other than the Company&#8217;s nominees in accordance with the Universal Proxy Rule; </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:10%">&#160;</td>
<td style="width:2%;vertical-align:top" align="left">&#8226;</td>
<td style="width:1%;vertical-align:top">&#160;</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt;text-align:left">Clarifying that if any shareholder provides notice pursuant to the Universal Proxy Rule and subsequently either (i)&#160;notifies the Company that such shareholder no longer intends to solicit proxies in support of director nominees other than the Company&#8217;s nominees or (ii)&#160;such shareholder fails to comply with the requirements of the Universal Proxy Rule, then such nomination will be disregarded and no vote on such nominee proposed by such shareholder will occur; </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:10%">&#160;</td>
<td style="width:2%;vertical-align:top" align="left">&#8226;</td>
<td style="width:1%;vertical-align:top">&#160;</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt;text-align:left">Providing that the number of nominees proposed by shareholders submitting a nomination notice may not exceed the number of directors to be elected at the relevant meeting of shareholders; and </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:10%">&#160;</td>
<td style="width:2%;vertical-align:top" align="left">&#8226;</td>
<td style="width:1%;vertical-align:top">&#160;</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt;text-align:left">Requiring that proposed nominees make themselves available for and submit to interviews by the Board or any Board committee on or prior to the later of (i)&#160;ten (10) days following the date of any reasonable request therefor from the Board or any Board committee, and (ii)&#160;the 30<sup style="font-size:75%; vertical-align:top">th</sup> day prior to the meeting of shareholders at which any such proposed nominee is nominated to be elected. </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:5%">&#160;</td>
<td style="width:3%;vertical-align:top" align="left">&#8226;</td>
<td style="width:1%;vertical-align:top">&#160;</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt;text-align:left">Require any shareholders directly or indirectly soliciting proxies from other stockholders to use a proxy card color other than white, with the white proxy card being reserved for exclusive use by the Board; </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:5%">&#160;</td>
<td style="width:3%;vertical-align:top" align="left">&#8226;</td>
<td style="width:1%;vertical-align:top">&#160;</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt;text-align:left">Clarify the Board&#8217;s authority to designate the location for shareholder meetings, which may be held by means of remote communication; and </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:5%">&#160;</td>
<td style="width:3%;vertical-align:top" align="left">&#8226;</td>
<td style="width:1%;vertical-align:top">&#160;</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt;text-align:left">Make various other updates, including technical, ministerial and conforming changes. </p></td></tr></table> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The foregoing summary of the amendments effected by the Amended and Restated Bylaws does not purport to be complete and is qualified in its entirety by reference to the complete text of the Amended and Restated Bylaws, which are filed as Exhibit 3.1 hereto and are incorporated herein by reference. </p> <p style="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:11%;vertical-align:top" align="left"><span style="font-weight:bold">Item&#160;9.01</span></td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:left">Financial Statements and Exhibits. </p></td></tr></table> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(d) <span style="text-decoration:underline">Exhibits</span>. </p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;width:100%;border:0;margin:0 auto">


<tr>

<td></td>

<td style="vertical-align:bottom;width:4%"></td>
<td style="width:93%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style="vertical-align:bottom;white-space:nowrap" align="center"> <p style=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:inline-block; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Exhibit<br />No.</p></td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:bottom;white-space:nowrap"> <p style=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman;font-weight:bold">Description</p></td></tr>


<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">3.1</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d438101dex31.htm">Reinsurance Group of America, Incorporated Amended and Restated Bylaws as amended and restated December&#160;20, 2022</a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">104</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top">Cover Page Interactive Data File (formatted as Inline XBRL)</td></tr>
</table>
</div></div>



<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />

<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">
 <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">SIGNATURE </p> <p style="margin-top:12pt; margin-bottom:0pt; 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 hereunto duly authorized. </p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;width:100%;border:0">


<tr>

<td style="width:45%"></td>

<td style="vertical-align:bottom;width:1%"></td>
<td style="width:4%"></td>

<td style="vertical-align:bottom"></td>
<td style="width:3%"></td>

<td style="vertical-align:bottom;width:1%"></td>
<td style="width:45%"></td></tr>


<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom" colspan="3"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold">REINSURANCE GROUP OF AMERICA,</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman;font-weight:bold">INCORPORATED</p></td></tr>
<tr style="font-size:1pt">
<td style="height:12pt"></td>
<td style="height:12pt" colspan="2"></td>
<td style="height:12pt" colspan="2"></td>
<td style="height:12pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom">Date: December&#160;20, 2022</td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:top">By:</td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Todd C. Larson</p></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom">Todd C. Larson</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom">Senior Executive Vice President and Chief Financial Officer</td></tr>
</table>
</div></div>

</body></html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-3.1
<SEQUENCE>2
<FILENAME>d438101dex31.htm
<DESCRIPTION>EX-3.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-3.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 3.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>REINSURANCE GROUP OF AMERICA, INCORPORATED </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>AMENDED AND RESTATED BYLAWS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EFFECTIVE AS OF DECEMBER&nbsp;20, 2022 </B></P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION I. OFFICES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Reinsurance Group of America, Incorporated (the &#147;Corporation&#148;) may have such corporate offices either in or outside of Missouri, as
the Board of Directors may from time to time appoint, or as the business of the Corporation may require. The &#147;principal&#148; office may be designated by the Board of Directors but the location of the Corporation in Missouri shall for all
purposes be deemed to be in the city or county in which the &#147;registered&#148; office is maintained. The registered office shall be determined from time to time by the Board of Directors and its identity put on file with the appropriate office
of the State of Missouri. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION II. SHAREHOLDERS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 2.1. </B><B><U>Annual Meeting</U></B>. The annual meeting of the shareholders shall be held on the fourth Wednesday in May in each
year, if not a legal holiday, and if a legal holiday, then on the next day not a legal holiday. The day fixed for the annual meeting may be changed in any year, by resolution of the Board of Directors, to another day, not a legal holiday, that the
Board of Directors deems appropriate, but this power is subject to applicable limitations of law. At this meeting members of the Board of Directors shall be elected to succeed those whose terms are then expiring and such other business shall be
transacted as may properly be brought before the meeting. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 2.2</B>. <B><U>Special Meetings</U></B>. Special meetings of the
shareholders, unless otherwise prescribed by statute or by the Corporation&#146;s Articles of Incorporation (as may be amended or amended and restated from time to time, the &#147;Articles&#148;), may only be called by the Chairman of the Board of
Directors or by the President or by a majority of the entire number of the Board of Directors. The person or persons requesting a special meeting of the shareholders shall deliver to the Secretary of the Corporation a written request stating the
purpose of the proposed meeting. Upon such request, subject to any requirements or limitations imposed by the Articles, by these Bylaws, or by law, it shall be the duty of the Secretary to call a special meeting of the shareholders, to be held at
such time as is specified in the request. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 2.3. </B><B><U>Place and Hour of Meeting</U></B>. Every meeting of the shareholders,
whether an annual or special meeting, shall be held at 2:00 p.m. central standard time at the principal office of the Corporation or at such other place or time as is specified by proper notice from the Board of Directors and shall continue until
declared adjourned by a vote of the shareholders present or by the presiding officer. In addition, the Board of Directors, in its sole discretion and subject to such guidelines and procedures as the Board of Directors may adopt, may authorize
shareholders and proxyholders not physically present at a meeting of shareholders to participate in, vote, and be deemed present in person at the meeting by means of remote communication, whether such meeting is to be held at a designated place or
solely by means of remote communication. The </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Corporation shall (a)&nbsp;implement reasonable measures to (i)&nbsp;verify that each person participating remotely is a shareholder or proxyholder and (ii)&nbsp;provide shareholders and
proxyholders participating remotely a reasonable opportunity to participate in the meeting and to vote on matters submitted to the shareholders, including an opportunity to read or hear the proceedings of the meeting substantially concurrently with
the proceedings and (b)&nbsp;maintain a record of any vote or other action taken by any shareholder or proxyholder by remote communication. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 2.4. </B><B><U>Notice of Meeting</U></B><U>.</U> Written or printed notice of each meeting of shareholders stating the place, day
and hour of the meeting (including, if participation in such meeting will be permitted by means of remote communication as provided in Section&nbsp;2.3, a description of the means of remote communication to be used), and in case of a special
meeting, the purpose or purposes for which the meeting is called, shall be delivered not less than 10 nor more than 70 days before the date of the meeting either personally, by mail, by facsimile or by electronic transmission, by or at the direction
of the President, or the Secretary, to each shareholder of record entitled to vote at such meeting. If mailed, such notice shall be deemed to be delivered when deposited in the United States mail, addressed to the shareholder at his address as it
appears on the stock transfer books of the Corporation, with postage thereon prepaid. If given by facsimile or by electronic transmission, such notice shall be deemed to be delivered when transmitted. Attendance of a shareholder at any meeting shall
constitute waiver of notice of that meeting except when a shareholder attends a meeting for the express purpose of objecting to the transaction of any business because the meeting is not lawfully called or convened. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">An affidavit of the Secretary or an Assistant Secretary or of the transfer agent or other agent of the Corporation that the notice has been
given, whether by a form of electronic transmission or otherwise, shall, in the absence of fraud, be prima facie evidence of the facts stated therein. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of these Bylaws, written notice shall include, but not be limited to, notice by &#147;electronic transmission,&#148; which shall
mean any process of communication not directly involving the physical transfer of paper that is suitable for the retention, retrieval and reproduction of information by the recipient. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 2.5. </B><B><U>Quorum; Adjournment; Postponement</U></B>. Except as otherwise required by law, the Articles or these Bylaws, a
majority of the outstanding shares of the Corporation entitled to vote, represented in person or by proxy, shall constitute a quorum at a meeting of shareholders. The shareholders present at a meeting at which a quorum is present may continue to
transact business until adjournment, notwithstanding the withdrawal of such number of shareholders as to reduce the remaining shareholders to less than a quorum. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Whether or not a quorum is present, the presiding officer of the meeting or shareholders holding at least a majority of the outstanding shares
represented at a meeting shall have the power, except as otherwise provided by statute, successively to adjourn the meeting to such time and place as they may determine, to a specified date not longer than ninety days after such adjournment without
further notice, if the time and place of the adjourned meeting (including, if participation in such meeting will be permitted by means of remote communication as provided in Section&nbsp;2.3, a description of the means of remote communication by
which shareholders may participate in and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
vote at the meeting), are announced at the meeting at which the adjournment is taken. At such adjourned meeting at which a quorum shall be present or represented, any business may be transacted
which might have been transacted at the meeting as originally set forth. If the adjournment is for more than ninety days, or if after the adjournment a new record date is fixed for the adjourned meeting, a notice of the place, date and time of the
adjourned meeting shall be given to each shareholder of record entitled to vote at the meeting. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A shareholder&#146;s meeting may be
postponed by resolution of the Board of Directors to a specified date up to a date ninety days after such postponement or to another place, provided notice of the place, date and time of the postponed meeting, which may be made by public notice, is
given to each shareholder of record entitled to vote at the meeting prior to the date previously scheduled for the meeting. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes
of these Bylaws, &#147;adjournment&#148; means a delay in the date, which may also be combined with a change in the place, of a meeting after the meeting has been convened; &#147;postponement&#148; means a delay in the date, which may be combined
with a change in the place, of the meeting before it has been convened, but after the time and place thereof have been set forth in a notice delivered or given to shareholders; and public notice shall be deemed to have been given if a public
announcement is made by press release reported by a national news service or in a publicly available document filed with the Securities and Exchange Commission (&#147;SEC&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 2.6. </B><B><U>List of Shareholders Entitled to Vote</U></B>. At least ten days before each meeting of the shareholders, a complete
list of the shareholders entitled to vote at such meeting shall be prepared and arranged in alphabetical order with the address of each shareholder and the number of shares held by each, which list, for a period of ten days prior to such meeting,
shall be kept on file at the registered office of the Corporation and shall be subject to inspection by any shareholder at any time during usual business hours. Such list shall also be produced and kept open at the time and place of the meeting, and
shall be subject to the inspection of any shareholder during the whole time of the meeting. If any shareholders will participate in the meeting by remote communication, the list shall be open to examination by the shareholders for the duration of
the meeting on a reasonably accessible electronic network, and the information required to access the list shall be provided to shareholders with the notice of the meeting. The original share ledger or transfer book, or a duplicate thereof kept in
the State of Missouri, shall be prima facie evidence as to who are the shareholders entitled to examine such list or share ledger or transfer book or to vote at any meeting of the shareholders. Failure to comply with the above requirements in
respect of lists of shareholders shall not affect the validity of any action taken at such meeting. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 2.7.
</B><B><U>Proxies</U></B>. At all meetings of shareholders, a shareholder may vote in person or by proxy executed in writing by the shareholder or by his duly authorized attorney in fact. Such proxy shall be filed with the Secretary of the
Corporation before or at the time of the meeting. No proxy shall be valid after eleven months from the date of its execution, unless otherwise provided in the proxy. Without limiting the manner in which a shareholder may authorize a person to act
for the shareholder as proxy, the following shall constitute a valid means by which a shareholder may grant such authority: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) A shareholder or the shareholder&#146;s duly authorized
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> may execute a writing authorizing another person to act for the shareholder as proxy. Execution may be accomplished by the shareholder or duly
authorized <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> signing such writing or causing the shareholder&#146;s signature to be affixed to such writing by any reasonable means, including, but not
limited to, facsimile signature. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) A shareholder may authorize another person to act for the shareholder as proxy by transmitting or
authorizing the transmission of a telegram, cablegram, facsimile or other means of electronic transmission, or by telephone, to the person who will be the holder of the proxy or to a proxy solicitation firm, proxy support service organization or
like agent duly authorized by the person who will be the holder of the proxy to receive such transmission, provided that any such telegram, cablegram, facsimile or other means of electronic transmission, or telephonic transmission, shall either set
forth or be submitted with information from which it can be determined that the telegram, cablegram, facsimile or other electronic transmission, or telephonic transmission, was authorized by the shareholder. If it is determined that such telegrams,
cablegrams, facsimiles or other electronic transmissions, or telephonic transmissions, are valid, the inspectors or, if there are no inspectors, such other persons making such determination shall specify the information upon which they relied. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) Any shareholder directly or indirectly soliciting proxies from other shareholders must use a proxy card color other than white, which
shall be reserved for the exclusive use by the Board of Directors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 2.8. </B><B><U>Voting of Shares</U></B>. Subject to the
rights of any holders of the preferred stock as set forth in the Articles, each outstanding share entitled to vote shall be entitled to one vote upon each matter submitted to a vote at a meeting of shareholders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Provided a quorum is present, the affirmative vote of a majority of the shares represented in person or by proxy at a meeting and entitled to
vote on the subject matter shall be the act of the shareholders unless the vote of a greater number of shares is required by the Articles, by these Bylaws, or by law. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 2.9. </B><B><U>Voting of Shares by Certain Holders</U></B>. Shares standing in the name of another corporation may be voted by such
officer, agent, or proxy as the bylaws of such corporation may prescribe, or, in the absence of such provision, as the board of directors of such corporation may determine. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Shares held by an administrator, executor, guardian, or conservator may be voted by him, either in person or by proxy, without a transfer of
such shares into his name. Shares standing in the name of a trustee may be voted by him, either in person or by proxy, but no trustee shall be entitled to vote shares held by him without a transfer of such shares into his name. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Shares standing in the name of a receiver may be voted by such receiver, and shares held by or under the control of a receiver may be voted by
such receiver without the transfer thereof into his name if authority so to do be contained in an appropriate order of the court by which such receiver was appointed. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A shareholder whose shares are pledged shall be entitled to vote such shares until the
shares have been transferred into the name of the pledgee, and thereafter the pledgee shall be entitled to vote the shares so transferred. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Shares of its own stock held by the Corporation, and unissued shares, shall not be voted at any meeting or counted in determining the total
number of outstanding shares at any given time for purposes of any meeting. Shares owned by a subsidiary of the Corporation shall likewise not be voted or counted in determining the number of shares outstanding. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 2.10. </B><B><U>Informal Action by Shareholders</U></B>. Unless otherwise prescribed by the Articles, any action which is required
or allowed to be taken at a meeting of the shareholders, may be taken without a meeting only if consents or approvals in writing, setting forth the action so taken, shall be signed by all of the shareholders entitled to vote with respect to the
subject matter thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 2.11. </B><B><U>Advance Notice of Nominations and Shareholder Proposals</U></B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) Only such persons who are nominated in accordance with the provisions set forth in Section C of Article Six of the Articles
(&#147;Articles Section&nbsp;6C&#148;) shall be eligible to serve as Directors and only such other business shall be conducted at an annual meeting of shareholders as shall have been brought before the meeting in accordance with the procedures set
forth in Section B of Article Nine of the Articles (&#147;Articles Section&nbsp;9B&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, in the case of any persons
nominated by shareholders and any other business proposed by shareholders, (i)&nbsp;only such persons who are nominated in accordance with (x)&nbsp;the provisions set forth in this Section&nbsp;2.11 or in Section&nbsp;2.14, as applicable, and
(y)&nbsp;the requirements of the Securities Exchange Act of 1934, as amended (the &#147;Exchange Act&#148;) and other applicable legal requirements, shall be eligible to serve as Directors and (ii)&nbsp;only such other business shall be conducted at
an annual meeting of shareholders as shall have been brought before the meeting in accordance with (x)&nbsp;the provisions set forth in this Section&nbsp;2.11 and (y)&nbsp;the requirements of the Exchange Act and other applicable legal requirements.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At any special meeting of the shareholders, only such business shall be conducted, and only such proposals shall be acted upon, as are
specified in the call of any special meeting of shareholders pursuant to Section A of Article 9 of the Articles and shareholders shall not be permitted to propose business to be brought before a special meeting of shareholders (other than the
nomination of directors for election in accordance with the provisions set forth in Articles Section&nbsp;6C and either this Section&nbsp;2.11 or Section&nbsp;2.14, if the Board of Directors has first determined that directors are to be elected at
such special meeting). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Board of Directors may reject any nomination or shareholder proposal submitted for
consideration at any meeting of shareholders which is not made in accordance with the provisions of the Articles, this Section&nbsp;2.11 or Section&nbsp;2.14, as applicable, or which is not a proper subject for shareholder action in accordance with
provisions of applicable law. If (i)&nbsp;any information required to be provided by or on behalf of any shareholder pursuant to these Bylaws in connection with any proposed business, or any nomination of any Prospective Nominee, of such shareholder
pursuant to the Articles, this Section&nbsp;2.11 or Section&nbsp;2.14, as applicable, is inaccurate or incomplete in any material respect, or (ii)&nbsp;any shareholder (including any Proposing Persons and/or Prospective Nominees of such
shareholder), in connection with any proposed business, or any nomination of any Prospective Nominee, of such shareholder pursuant to the Articles, this Section&nbsp;2.11 or Section&nbsp;2.14, as applicable, has not complied with all applicable
requirements set forth in, and acted in accordance with all representations made pursuant to, the Articles and these Bylaws, then the business proposed by any such shareholder shall be deemed not to have been made in accordance with the provisions
of the Articles, this Section&nbsp;2.11 or Section&nbsp;2.14, as applicable. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Alternatively, if the Board of Directors fails to consider
the validity of any nomination or shareholder proposal, in addition to making any other determinations that may be appropriate to the conduct of the meeting, the presiding officer of the meeting shall have the power and duty to determine whether a
nomination or any other business proposed to be brought before the meeting was made in accordance with the requirements set forth in the Articles and this Section&nbsp;2.11 or Section&nbsp;2.14, as applicable, and is a proper subject for shareholder
action in accordance with provisions of applicable law and, if any proposed nomination or other business is not in compliance with the Articles and this Section&nbsp;2.11 or Section&nbsp;2.14, as applicable, or not otherwise a proper subject for
shareholder action, to declare that such defective nomination or proposal be disregarded. The presiding officer of the meeting shall have sole, absolute and complete authority and discretion to decide questions of compliance with the provisions
prescribed by the Articles, this Section&nbsp;2.11 and Section&nbsp;2.14, and his or her ruling thereon shall be final and conclusive. This provision shall not prevent the consideration and approval or disapproval at the meeting of reports of
officers, Directors and committees of the Board of Directors, but, in connection with such reports, no new business shall be acted upon at the meeting unless stated, submitted and received as herein provided. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) In addition to the provisions governing a shareholder&#146;s notice of nominations of one or more persons for election to the Board of
Directors or the proposal of other business to be considered by the shareholders provided for in Articles Section&nbsp;6C and Articles Section&nbsp;9B, respectively (any such notice, a &#147;Shareholder&#146;s Notice&#148;): </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Such Shareholder&#146;s Notice must also set forth, as to each Proposing Person (as defined below): </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) the name and address of such Proposing Person; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) the class or series and number of shares of the Corporation which are, directly or indirectly, owned beneficially and of
record by such Proposing Person; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) any Derivative Instrument (as defined below) directly or indirectly owned
beneficially by such Proposing Person, and any other direct or indirect opportunity to profit or share in any profit derived from any increase or decrease in the value of shares of the Corporation; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) any proxy, contract, arrangement, understanding, or relationship
pursuant to which such Proposing Person has a right to vote any class or series of shares of the Corporation; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v) any
Short Interests (as defined below); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vi) any rights to dividends on the shares of the Corporation owned beneficially by
such Proposing Person that are separated or separable from the underlying shares of the Corporation; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vii) any
proportionate interest in shares of the Corporation or Derivative Instruments held, directly or indirectly, by a general or limited partnership in which such Proposing Person is a general partner or, directly or indirectly, beneficially owns an
interest in a general partner of such general or limited partnership; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(viii) any performance-related fees (other than an
asset-based fee) that any such Proposing Person is entitled to based on any increase or decrease in the value of shares of the Corporation or Derivative Instruments; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ix) any direct or indirect interest of such Proposing Person in the Corporation or any affiliate of the Corporation, or in any
contract with the Corporation or with any affiliate of the Corporation (including, in any such case, any employment agreement, collective bargaining agreement or consulting agreement); </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(x) any other information relating to such Proposing Person that would be required to be disclosed in a proxy statement or
other filings required to be made in connection with solicitations of proxies by such Proposing Person for, as applicable, the proposal and/or for the election of directors in a contested election pursuant to Section&nbsp;14 of the Exchange Act and
the rules and regulations promulgated thereunder; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xi) in the case of the shareholder giving the Shareholder&#146;s
Notice, a representation that the shareholder is a holder of record of stock of the Corporation entitled to vote at such meeting, intends to continuously hold such stock of the Corporation through such meeting and intends to appear in person or by a
qualified representative at the meeting to propose such nomination or other business; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xii) a representation as to
whether such Proposing Person intends (A)&nbsp;to deliver a proxy statement and/or form of proxy to holders of at least the percentage of the Corporation&#146;s outstanding capital stock required to approve or adopt the proposal or elect the
nominee, (B)&nbsp;otherwise to solicit proxies from shareholders in support of such proposal or nomination, and/or (C)&nbsp;to solicit proxies in support of any Proposed Nominee other than the Corporation&#146;s director nominees in accordance with
Rule <FONT STYLE="white-space:nowrap">14a-19</FONT> under the Exchange Act (&#147;Rule <FONT STYLE="white-space:nowrap">14a-19&#148;).</FONT> </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) If the Shareholder&#146;s Notice relates to any business other than a nomination of one
or more directors that the shareholder proposes to bring before an annual meeting, then, in addition to the matters set forth in paragraph (2)(a) of this Section&nbsp;2.11, such Shareholder&#146;s Notice must also set forth: (i)&nbsp;any material
interest of any Proposing Person in such business, (ii)&nbsp;the text of the proposal or business (including the text of any resolutions proposed for consideration) and (iii)&nbsp;a description of all agreements, arrangements and understandings
between or among (x)&nbsp;any of the Proposing Persons or (y)&nbsp;any Proposing Person and any other person or persons (including their names) in connection with the proposal of such business by such shareholder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) If the Shareholder&#146;s Notice relates to the shareholder&#146;s proposed nomination of one or more persons for election or reelection
to the Board of Directors (each, a &#147;Prospective Nominee&#148;), then in addition to the matters set forth in paragraph (2)(a) of this Section&nbsp;2.11 above, such Shareholder&#146;s Notice must also set forth, as to each Prospective Nominee:
(i)&nbsp;all information with respect to such Prospective Nominee that would be required to be set forth in a Shareholder&#146;s Notice pursuant to paragraph (2)(a) of this Section&nbsp;2.11 if the term &#147;Prospective Nominee&#148; were
substituted for the term &#147;Proposing Person&#148; where it appears in such paragraph (provided that the representations set forth in paragraph 2(a)(xii) of this Section&nbsp;2.11 need not be provided with respect to the Prospective Nominee),
(ii) all information relating to such Prospective Nominee that would be required to be disclosed in a proxy statement or other filings required to be made in connection with solicitations of proxies for election of directors in a contested election
pursuant to Section&nbsp;14 of the Exchange Act, and the rules and regulations promulgated thereunder (including pursuant to Rule <FONT STYLE="white-space:nowrap">14a-19)</FONT> and (iii)&nbsp;a description of all direct and indirect compensation
and other material monetary agreements, arrangements and understandings during the past three years, and any other material relationships, between or among any Proposing Person(s), on the one hand, and any of such Prospective Nominee, his or her
respective affiliates or associates, or others acting in concert therewith, on the other hand, including, without limitation all information that would be required to be disclosed pursuant to Item 404 of Regulation
<FONT STYLE="white-space:nowrap">S-K</FONT> under the Exchange Act if the Proposing Person were the &#147;registrant&#148; for purposes of such rule and the Prospective Nominee were a director or executive officer of such registrant. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) With respect to each Prospective Nominee, a Shareholder&#146;s Notice must, in addition to the matters set forth in paragraphs (2)(a) and
(2)(c) of this Section&nbsp;2.11, also include a completed and signed questionnaire, representation and agreement required by Section&nbsp;2.13. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) For such Shareholder&#146;s Notice to be deemed timely given, all of the information required by paragraphs (2)(a), (2)(b), (2)(c) and
(2)(d) of this Section&nbsp;2.11 must be received by the Secretary of the Corporation at the Corporation&#146;s principal executive offices within the time periods prescribed for the delivery of notice pursuant to Articles Section&nbsp;6C (in the
case of a Shareholder&#146;s Notice relating to a shareholder&#146;s nomination of one or more persons for election as a director at a meeting of shareholders) or Articles Section&nbsp;9B (in the case of a Shareholder&#146;s Notice relating to a
proposal proposed to be brought before an annual meeting of shareholders), as the case may be. In addition, (i)&nbsp;the number of Prospective Nominees that a shareholder (including Proposing Persons of such shareholder) may nominate for election at
any annual meeting, or a special meeting at which directors are to be elected, pursuant to the Articles and this Section&nbsp;2.11 shall not exceed the number of directors to be elected at such meeting, and (ii)&nbsp;no shareholder (including any
Proposing Persons with respect to such shareholder) nominating any Prospective Nominees pursuant to the Articles and this Section&nbsp;2.11 will be entitled to make any additional or substitute nominations of Prospective Nominees following the
expiration of applicable time periods set forth in Articles Section&nbsp;6C. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) The Corporation (i)&nbsp;may require any Prospective Nominee to furnish such other
information as may reasonably be required by the Corporation to determine the eligibility of such Prospective Nominee to serve as a director of the Corporation, including without limitation such information as may reasonably be required by the
Corporation to determine the eligibility of such Prospective Nominee to serve as an independent director of the Corporation or that could be material to a reasonable shareholder&#146;s understanding of the independence, or lack thereof, of such
Prospective Nominee, and (ii)&nbsp;may otherwise require any shareholder submitting any Shareholder&#146;s Notice pursuant to this Section&nbsp;2.11 to provide such additional information (including relating to any Proposing Persons or Prospective
Nominees with respect to such shareholder) as may reasonably be requested by the Corporation. Any such additional information requested pursuant to the prior sentence must be provided promptly but in no event later than the earlier of (i)&nbsp;ten
(10) business days after the Corporation&#146;s request therefor and (ii)&nbsp;two business days prior to the date of the meeting. As a condition to being a Prospective Nominee, each Prospective Nominee shall submit to interviews with the Board of
Directors or a committee thereof, if requested by the Board of Directors, and each Prospective Nominee shall make himself or herself available for any such interviews on or prior to the later of (i)&nbsp;ten (10) days following any reasonable
request therefor from the Board of Directors (or any committee thereof) and (ii)&nbsp;the 30th day prior to the meeting of shareholders at which such Prospective Nominee is nominated to be elected to the Board of Directors. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) The shareholder submitting any Shareholder&#146;s Notice pursuant to this Section&nbsp;2.11 or any Access Nomination Notice (as defined
below) pursuant to Section&nbsp;2.14 shall update and supplement such Shareholder&#146;s Notice or Access Nomination Notice, as applicable, to the extent necessary so that the information provided or required to be provided in such
Shareholder&#146;s Notice or Access Nomination Notice pursuant to this Section&nbsp;2.11 or Section&nbsp;2.14, as applicable, and Articles Section&nbsp;6C and Articles Section&nbsp;9B, shall be true and correct as of (i)&nbsp;the record date for
notice of the meeting, (ii)&nbsp;the date that is ten (10)&nbsp;business days prior to the meeting, (iii)&nbsp;the date that is ten (10)&nbsp;business days prior to any adjournment or postponement thereof, and (iv)&nbsp;with respect to the
representation required pursuant to paragraph (2)(a)(xii) of this Section&nbsp;2.11, as of immediately prior to the meeting or any adjournment or postponement thereof, and any such updates shall clearly identify the information that has changed
since the last submission of such shareholder. Such update and supplement must be received by the Secretary at the Corporation&#146;s principal executive offices not later than, respectively (I)&nbsp;five (5) business days after the record date for
notice of the meeting (in the case of the update and supplement required to be made as of such record date), (II) eight (8)&nbsp;business days prior to the date for the meeting (in the case of the update and supplement required to be made as of the
date that is ten (10)&nbsp;business days prior to the meeting), (III) in the case of any adjournment or postponement of the meeting, the later of eight (8)&nbsp;business days prior to the date to which the meeting has been adjourned or postponed or
the first practicable date after public notice (as defined in Section&nbsp;2.5 of these Bylaws) is given of such adjournment or postponement, and (IV)&nbsp;in the case of any information provided pursuant to clause (iv)&nbsp;of this paragraph (2)(g)
of Section&nbsp;2.11, on the first practicable date prior to the meeting; provided, however that any such update and supplement provided pursuant to this paragraph (2)(g) of Section&nbsp;2.11 shall not be deemed to cure any defect with respect to
information previously delivered or limit the Corporation&#146;s rights in connection therewith. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) Notwithstanding the provisions of Articles Section&nbsp;6C and Articles Section&nbsp;9B,
the foregoing provisions of this Section&nbsp;2.11 and the provisions of Section&nbsp;2.14 set forth below, if the shareholder submitting such Shareholder&#146;s Notice (or a qualified representative of such shareholder) does not appear at the
applicable meeting of shareholders of the Corporation to present such nomination or proposal pursuant to Articles Section&nbsp;6C, Articles Section&nbsp;9B, this Section&nbsp;2.11 and Section&nbsp;2.14 (as applicable), such nomination shall be
disregarded and such proposal shall not be considered, notwithstanding that proxies in respect of such vote may have been received by the Corporation. In order to be considered a qualified representative of a shareholder for purposes of these
Bylaws, a person must be a duly authorized officer, manager or partner of such shareholder or must be authorized by a writing executed by such shareholder or an electronic transmission delivered by such shareholder to act for such shareholder as
proxy at the meeting of shareholders, and such person must produce such writing or electronic transmission, or a reliable reproduction of the writing or electronic transmission, at the meeting of shareholders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) Notwithstanding the provisions of Articles Section&nbsp;6C and Articles Section&nbsp;9B, the foregoing provisions of this
Section&nbsp;2.11 and the provisions of Section&nbsp;2.14 set forth below, a shareholder shall also comply with all applicable requirements of state law and of the Exchange Act and the rules and regulations thereunder with respect to the matters set
forth in Articles Section&nbsp;6C and Articles Section&nbsp;9B, this Section&nbsp;2.11 and Section&nbsp;2.14; provided, however, that any references in these Bylaws or the Articles to the Exchange Act or the rules promulgated thereunder are not
intended to and shall not limit the requirements applicable to nominations or proposals as to any other business to be considered pursuant to Articles Section&nbsp;6C, Articles Section&nbsp;9B, this Section&nbsp;2.11 and/or Section&nbsp;2.14.
Nothing in Articles Section&nbsp;6C, Articles Section&nbsp;9B, this Section&nbsp;2.11 or Section&nbsp;2.14 shall be deemed to affect any rights (i)&nbsp;of shareholders to request inclusion of proposals in, or of the Corporation&#146;s right to omit
proposals from, the Corporation&#146;s proxy statement pursuant to Rule <FONT STYLE="white-space:nowrap">14a-8</FONT> under the Exchange Act or any successor provision or (ii)&nbsp;of the holders of any series of preferred stock if and to the extent
provided for under law, the Articles or these Bylaws. Subject to Rule <FONT STYLE="white-space:nowrap">14a-8</FONT> under the Exchange Act and the provisions of Section&nbsp;2.14 set forth below, if applicable, nothing in these Bylaws shall be
construed to permit any shareholder, or give any shareholder the right, to include or have disseminated or described in the Corporation&#146;s proxy statement any nomination of a director or directors or any other proposal. The provisions of
Articles Section&nbsp;6C or Articles Section&nbsp;9B, as applicable, shall also govern what constitutes timely notice for purposes of Rule <FONT STYLE="white-space:nowrap">14a-4(c)</FONT> under the Exchange Act or any successor provision. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5) Notwithstanding anything contained to the contrary in these Bylaws, if any shareholder making any director nomination pursuant to the
terms of the Articles and this Section&nbsp;2.11 provides notice of any nomination pursuant to Rule <FONT STYLE="white-space:nowrap">14a-19(b)</FONT> (any such shareholder, a &#147;Rule <FONT STYLE="white-space:nowrap">14a-19</FONT>
Shareholder&#148;) and subsequently either (i)&nbsp;notifies the Corporation that such Rule <FONT STYLE="white-space:nowrap">14a-19</FONT> Shareholder (including any Proposing Persons of such Rule <FONT STYLE="white-space:nowrap">14a-19</FONT>
Shareholder) no longer intends to solicit proxies in support of the election of any Prospective Nominee in accordance with such rule, or (ii)&nbsp;such Rule <FONT STYLE="white-space:nowrap">14a-19</FONT> Shareholder (including any Proposing Persons
of such Rule <FONT STYLE="white-space:nowrap">14a-19</FONT> Shareholder) fails to comply with the requirements of Rule <FONT STYLE="white-space:nowrap">14a-19,</FONT> then the Corporation shall disregard any proxies or votes solicited for the
Prospective Nominee(s) of such Rule <FONT STYLE="white-space:nowrap">14a-19</FONT> </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Shareholder, and no vote with respect to the election of such Prospective Nominees shall occur (notwithstanding the fact that proxies in respect of such vote may have been received by the
Corporation). Upon request by the Corporation, any Rule <FONT STYLE="white-space:nowrap">14a-19</FONT> Shareholder shall deliver to the Corporation, not later than five (5)&nbsp;business days prior to the applicable meeting of shareholders of the
Corporation, documentation reasonably satisfactory to the Corporation demonstrating that such Rule <FONT STYLE="white-space:nowrap">14a-19</FONT> Shareholder (including any Proposing Persons of such Rule
<FONT STYLE="white-space:nowrap">14a-19</FONT> Shareholder) has met the requirements of Rule <FONT STYLE="white-space:nowrap">14a-19(a)(3)</FONT> under the Exchange Act. Any Rule <FONT STYLE="white-space:nowrap">14a-19</FONT> Shareholder shall
notify the Corporation&#146;s Secretary in writing within two (2)&nbsp;business days of becoming aware that such Rule <FONT STYLE="white-space:nowrap">14a-19</FONT> Shareholder (including any Proposing Persons of such Rule <FONT
STYLE="white-space:nowrap">14a-19</FONT> Shareholder) no longer intends to solicit proxies in support of the proposed nominee(s) of such Rule <FONT STYLE="white-space:nowrap">14a-19</FONT> Shareholder in accordance with Rule <FONT
STYLE="white-space:nowrap">14a-19.</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(6) In no event shall any adjournment or postponement of a shareholder&#146;s meeting or the
announcement thereof commence a new time period for the giving of a shareholder&#146;s notice pursuant to Articles Six and Nine of the Articles. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(7) Definitions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The terms
&#147;affiliate&#148; and &#147;associate&#148; have the meanings ascribed to such terms in Rule <FONT STYLE="white-space:nowrap">12b-2</FONT> under the Exchange Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The term &#147;Derivative Instrument&#148; means any option, warrant, convertible security, stock appreciation right, or similar right
with an exercise or conversion privilege or a settlement payment or mechanism at a price related to any class or series of shares of the Corporation or with a value derived in whole or in part from the value of any class or series of shares of the
Corporation, any derivative or synthetic arrangement having the characteristics of a long position in any class or series of shares of the Corporation, or any contract, derivative, swap or other transaction or series of transactions designed to
produce economic benefits and risks that correspond substantially to the ownership of any class or series of shares of the Corporation, including due to the fact that the value of such contract, derivative, swap or other transaction or series of
transactions is determined by reference to the price, value or volatility of any class or series of shares of the Corporation, whether or not such instrument, contract or right shall be subject to settlement in the underlying class or series of
shares of the Corporation through the delivery of cash or other property, or otherwise, and without regard to whether the Proposing Person may have entered into transactions that hedge or mitigate the economic effect of such instrument, contract or
right. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The term &#147;Proposing Person&#148; means (A)&nbsp;the shareholder giving a Shareholder&#146;s Notice of the intent to
nominate one or more persons for election to the Board of Directors pursuant to Articles Section&nbsp;6C or of a proposal of any other matter to be brought before an annual meeting pursuant to Articles Section&nbsp;9B, (B)&nbsp;the beneficial owner,
if any, on whose behalf the nomination or proposal is made, (C)&nbsp;any affiliate or associate of such beneficial owner or shareholder and (D)&nbsp;any other person with whom such shareholder or beneficial owner (or any of their respective
affiliates or associates) is acting in concert. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) The term &#147;Short Interests&#148; means any agreement, arrangement, understanding,
relationship or otherwise, including any repurchase or similar <FONT STYLE="white-space:nowrap">so-called</FONT> &#147;stock borrowing&#148; agreement or arrangement, engaged in, directly or indirectly, by a Proposing Person, the purpose or effect
of which is to hedge against or mitigate loss to, reduce the economic risk (of ownership or otherwise) of any class or series of the shares of the Corporation by, manage the risk of share price changes for, or increase or decrease the voting power
of, such Proposing Person with respect to any class or series of the shares of the Corporation, or which provides such person, directly or indirectly, the opportunity to profit or share in any profit derived from any decrease in the price or value
of any class or series of the shares of the Corporation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 2.12. <U>Organization</U>. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Meetings of shareholders shall be presided over by the Chairman of the Board of Directors, if any, or in his or her absence by the Chief
Executive Officer, if any, or in his or her absence by a chairman of the meeting, which chairman must be an Officer or Director of the Corporation and must be designated as chairman of the meeting by the Board of Directors. The Secretary, or in his
or her absence an Assistant Secretary, or in his or her absence a person whom the person presiding over the meeting shall appoint, shall act as secretary of the meeting and keep a record of the proceedings thereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Board shall be entitled to make such rules or regulations for the conduct of meetings of shareholders as it shall deem appropriate.
Subject to such rules and regulations of the Board, if any, the person presiding over the meeting shall have the right and authority to convene and adjourn the meeting, to prescribe such rules, regulations and procedures and to do all such acts as,
in the judgment of the person presiding over the meeting, are necessary, appropriate or convenient for the proper conduct of the meeting, including, without limitation, establishing an agenda or order of business for the meeting, rules and
procedures for maintaining order at the meeting and the safety of those present, limitations on participation in such meeting to shareholders of record of the Corporation and their duly authorized and constituted proxies and such other persons as
the person presiding over the meeting shall permit, restrictions on entry to the meeting after the time fixed for the commencement thereof, limitations on the time allotted to questions or comments by participants, adjournment of the meeting either
by the person presiding over the meeting or by the affirmative vote of a majority of the shares represented at the meeting, and regulation of the voting or balloting, as applicable, including, without limitation, matters which are to be voted on by
ballot, if any. The presiding officer of the meeting shall have sole, absolute and complete authority and discretion to decide questions of compliance with the foregoing procedures, and his or her ruling thereon shall be final and conclusive. The
person presiding over the meeting, in addition to making any other determinations that may be appropriate to the conduct of the meeting, shall, if the facts warrant, determine and declare to the meeting that a matter or business was not properly
brought before the meeting and if the person presiding over the meeting should so determine and declare, any such matter or business shall not be transacted or considered. Unless and to the extent determined by the Board or the person presiding over
the meeting, meetings of shareholders shall not be required to be held in accordance with rules of parliamentary procedure. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 2.13. </B><B><U>Submission of Questionnaire, Representation and
Agreement</U></B><B>. </B>To be eligible to be a nominee for election or reelection as a director of the Corporation, a person must deliver (in accordance with the time periods prescribed for delivery of notice pursuant to Articles Section&nbsp;6C)
to the Secretary at the principal executive offices of the Corporation a completed and executed written questionnaire (the form of which questionnaire shall be provided by the Secretary upon written request) with respect to the background and
qualification of such person and the background of any other person or entity on whose behalf, directly or indirectly, the nomination is being made, and an executed written representation and agreement (the form of which shall be provided by the
Secretary upon written request) that such person (A)&nbsp;is not, at the time of election will not be, and during his or her service as a director of the Corporation will not become, a party to any agreement, arrangement or understanding with, and
has not given any commitment or assurance to, any person or entity as to how such person, if elected as a director of the Corporation, will act or vote on any issue or question (i)&nbsp;that has not been disclosed to the Corporation or
(ii)&nbsp;that could limit or interfere with such person&#146;s ability to comply, if elected as a director of the Corporation, with such person&#146;s fiduciary duties under applicable law, (B)&nbsp;is not, at the time of election will not be, and
during his or her service as a director of the Corporation will not become, a party to any agreement, arrangement or understanding with any person or entity other than the Corporation with respect to any direct or indirect compensation,
reimbursement or indemnification in connection with service or action as a director that has not been disclosed therein, (C)&nbsp;if elected as a director of the Corporation, would be in compliance with, and at all times during his or her service as
a director will remain in compliance with, in such person&#146;s individual capacity and on behalf of any person or entity on whose behalf the nomination is being made, all applicable publicly disclosed corporate governance, conflict of interest,
confidentiality and stock ownership and stock trading policies and guidelines of the Corporation, and (D)&nbsp;consents to serving as a director if elected and to being named in the Corporation&#146;s form of proxy and proxy statement as a nominee.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 2.14. <U>Proxy Access</U>. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) Whenever the Board of Directors solicits proxies with respect to the election of directors of the Corporation at an annual meeting of
shareholders, the Corporation shall include in the proxy statement distributed on behalf of the Board of Directors for such annual meeting the information specified below (the &#147;Required Information&#148;) with respect to (i)&nbsp;the Access
Eligible Shareholder (as defined below) proposing to make a nomination for a director of the Corporation and who expressly elects at the time of providing the notice required by this Section&nbsp;2.14 (the &#147;Access Nomination Notice&#148;) to
have its nominee included in the Corporation&#146;s proxy materials pursuant to this Section&nbsp;2.14, (ii) and the nominee to be nominated (an &#147;Access Nominee&#148;); provided that the Access Nomination Notice complies with the other
requirements of the Articles, these Bylaws and all applicable laws or regulations. The Required Information shall be (x)&nbsp;all information concerning the Access Nominee and the Access Eligible Shareholder required to be disclosed in the
Corporation&#146;s proxy statement under the rules and regulations of the Exchange Act, these Bylaws, the Articles and applicable law and (y)&nbsp;if the Access Eligible Shareholder so elects, a statement (the &#147;Statement&#148;) of not more than
500 words in support of the nomination that shall comply with Section&nbsp;14 of the Exchange Act and the rules and regulations promulgated thereunder. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">13 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) The Corporation shall not be required to provide access to the Corporation&#146;s proxy
materials with respect to any annual meeting of shareholders for more than the Maximum Number (as defined below) of Access Nominees. Any Access Eligible Shareholder submitting more than one Access Nominee for inclusion in the Corporation&#146;s
proxy materials pursuant to this Section&nbsp;2.14 shall rank such Access Nominees based on the order that the Access Eligible Shareholder desires such Access Nominees to be selected for inclusion in the Corporation&#146;s proxy statement in the
event that the total number of Access Nominees submitted by Access Eligible Shareholders pursuant to this Section&nbsp;2.14 exceeds the Maximum Number. If there are more than the Maximum Number of nominations for which access to the
Corporation&#146;s proxy materials has been sought in compliance with this Section&nbsp;2.14, the highest ranking Access Nominee who meets the requirements of this Section&nbsp;2.14 from each Access Eligible Shareholder will be selected for
inclusion in the Corporation&#146;s proxy materials until the Maximum Number is reached, going in order of the amount (largest to smallest) of shares of the Corporation each Access Eligible Shareholder disclosed as Owned in its respective Access
Nomination Notice submitted to the Corporation. If the Maximum Number is not reached after the highest ranking Access Nominee who meets the requirements of this Section&nbsp;2.14 from each Access Eligible Shareholder has been selected, this
selection process will continue with the next highest ranked nominees as many times as necessary, following the same order each time, until the Maximum Number is reached. Following such determination, if any Access Nominee who satisfies the
eligibility requirements in this Section&nbsp;2.14 (i) thereafter withdraws from the election (or his or her nomination is withdrawn by the applicable Access Eligible Shareholder) or (ii)&nbsp;is thereafter not submitted for director election for
any reason (including the failure to comply with this Section&nbsp;2.14) other than due to a failure by the Corporation to include such Access Nominee in the proxy materials in violation of this Section&nbsp;2.14, no other nominee or nominees (other
than any Access Nominee already determined to be included in the Corporation&#146;s proxy materials who continues to satisfy the eligibility requirements of this Section&nbsp;2.14) shall be included in the Corporation&#146;s proxy materials or
otherwise submitted for director election pursuant to this Section&nbsp;2.14. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) The Corporation shall not be required to provide access
to the Corporation&#146;s proxy materials under this Section&nbsp;2.14 with respect to any annual meeting of shareholders if it receives timely notice pursuant to Section&nbsp;2.11 or Articles Section&nbsp;6C that any Proposing Person proposes (or
multiple Proposing Persons propose) to nominate (i)&nbsp;a Prospective Nominee for election with respect to which such access under this Section&nbsp;2.14 is not being requested or (ii)&nbsp;if another person is engaging in a
&#147;solicitation&#148; within the meaning of Rule <FONT STYLE="white-space:nowrap">14a-1(l)</FONT> under the Exchange Act against a nominee of the Board of Directors. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) In order for the Access Nominee to be eligible for election at the annual meeting and the Required Information about such nominee of an
Access Eligible Shareholder to be included in the Corporation&#146;s proxy materials, the following requirements must be satisfied: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)
The nomination must be made pursuant to a timely Access Nomination Notice to the Secretary of the Corporation. For such Access Nomination Notice to be deemed timely given, (i)&nbsp;an Access Eligible Shareholder must first notify the Corporation
that such Access Eligible Shareholder intends to nominate an Access Nominee, and all of the information required by this </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Section&nbsp;2.14 as well as paragraphs (2)(a), (2)(b), (2)(c) and (2)(d) of Section&nbsp;2.11 (provided that the representations set forth in paragraph 2(a)(xii) of Section&nbsp;2.11 need not be
provided), must be received by the Secretary of the Corporation at the Corporation&#146;s principal executive offices not less than one hundred and twenty (120)&nbsp;days nor more than one hundred and fifty (150)&nbsp;days prior to the anniversary
of the date the Corporation commenced mailing of its proxy materials (as stated in the Corporation&#146;s proxy materials) in connection with the most recent annual meeting of shareholders, and (ii)&nbsp;such Access Eligible Shareholder must
subsequently confirm in writing its nomination of such Access Nominee(s) within the time periods prescribed for the delivery of notice pursuant to Articles Section&nbsp;6C. In no event shall the public announcement of an adjournment or postponement
of an annual meeting commence a new time period (or extend any time period) for the giving of an Access Nomination Notice as described above. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Access Nomination Notice shall contain or be accompanied by the following, which shall be received by the Secretary of the Corporation
within the time period specified in this Section&nbsp;2.14 for providing the Access Nomination Notice: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) the name and
address of the Access Eligible Shareholder and, if applicable, each member of a group of persons constituting an Access Eligible Shareholder, and an express election to have its Access Nominee included in the Corporation&#146;s proxy materials
pursuant to this Section&nbsp;2.14; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) the Required Information; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) a statement certifying the number of shares the Access Eligible Shareholder (and each member of a group of persons
constituting the Access Eligible Shareholder) is deemed to Own and has Owned continuously for the three year period prior to the Submission Date (as defined below) of the Access Nomination Notice for the purposes of this Section&nbsp;2.14, which
statement shall also be included in the Schedule 14N filed with the SEC; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) to the extent that an Access Eligible
Shareholder (or any member of a group of persons constituting an Access Eligible Shareholder) is not or has not been continuously the holder of record of the shares of the Corporation that are being used to satisfy the requisite Minimum Ownership
and Minimum Holding Period requirements to establish its or their status as an Access Eligible Shareholder, (i)&nbsp;one or more written statements from the holder of record of the shares (and from each intermediary through which each such person
derives, or during the Minimum Holding Period has derived, Ownership of such shares) verifying that, as of a date within seven (7)&nbsp;calendar days preceding the Submission Date, each such person Owns such shares and has Owned at least Minimum
Ownership continuously for at least the Minimum Holding Period, and (ii)&nbsp;an agreement to provide, within five (5)&nbsp;business days after the record date for determining shareholders entitled to vote at the annual meeting of shareholders,
written statements from the holder of record and intermediaries verifying the continuous ownership of the Access Eligible Shareholder (including each member of a group of persons constituting an Access Eligible Shareholder) of such shares through
and including such record date; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v) a representation and undertaking by the Access Eligible Shareholder
(including each member of a group of persons constituting an Access Eligible Shareholder) that it, its Access Nominee and each of its and its Access Nominee&#146;s affiliates and associates: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">A. intends to continue to Own the shares satisfying the Minimum Ownership through the conclusion of the annual meeting of
shareholders; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">B. has not nominated and will not nominate for election to the Board of Directors at the annual meeting of
shareholders any individual other than its Access Nominee(s); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">C. has not engaged and will not engage in, and has not and
will not be a &#147;participant&#148; (within the meaning of Instruction 3 to Item 4 of Schedule 14A under the Exchange Act or any successor rule) in, a &#147;solicitation&#148; (within the meaning of Rule
<FONT STYLE="white-space:nowrap">14a-1(l)</FONT> under the Exchange Act or any successor rule) in support of the election of any individual as a director at the annual meeting of shareholders other than its named Access Nominee or a nominee of the
Board of Directors; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">D. will not distribute to any shareholder any form of proxy for the annual meeting of shareholders
other than the form distributed by the Corporation; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vi) a representation and undertaking by the Access Eligible
Shareholder (including each member of a group of persons constituting an Access Eligible Shareholder) that it acquired the requisite number of shares qualifying the Access Eligible Shareholder to submit an Access Nominee in the ordinary course of
business and that (x)&nbsp;as of the Submission Date and (y)&nbsp;at all times until the election of directors at the annual meeting of shareholders, in each case neither it nor the Access Nominee nor any affiliates and associates of it or its
Access Nominee Owns or shall Own, as applicable, any securities of the Corporation for the purpose, or with the effect, of changing or influencing the control of the Corporation, or in connection with or as a participant in any transaction having
that purpose or effect, including any transaction referred to in Rule 13d&#150;3(b) under the Exchange Act or any successor rule, other than solely by reason of seeking the election as a director of its named Access Nominee; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vii) a representation and undertaking by the Access Eligible Shareholder (including each member of a group of persons
constituting an Access Eligible Shareholder) that: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">A. the Access Eligible Shareholder agrees to comply with all applicable
laws and regulations with respect to any solicitation in connection with the annual meeting of shareholders or applicable to the filing and use, if any, of soliciting material; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">B. it will provide facts, statements and other information in all
communications with the Corporation and its shareholders that are and will be true and correct in all material respects and do not and will not omit to state a material fact necessary in order to make the statements made, in light of the
circumstances under which they were made, not misleading, and will promptly provide any other information reasonably requested by the Corporation, including, without limitation, to evidence or support any such facts, statements or other information;
and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">C. it will file with the SEC any solicitation or other communication with the Corporation&#146;s shareholders relating
to the annual meeting of shareholders at which the Access Nominee will be nominated, regardless of whether any such filing is required under Regulation 14A of the Exchange Act or whether any exemption from filing is available thereunder; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(viii) an undertaking by the Access Eligible Shareholder (including each member of a group of persons constituting an Access
Eligible Shareholder) acknowledging its responsibility for the Required Information, all other information submitted to the Corporation pursuant to this Section&nbsp;2.14 and all of its and its Access Nominee&#146;s communications to shareholders in
connection with the election of directors at the annual meeting of shareholders. In such undertaking, the Access Eligible Shareholder (including each member of a group of persons constituting an Access Eligible Shareholder) shall: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">A. expressly assume all liability to which the Corporation or any of its affiliates, or any director, officer, employee or
representative thereof, may be subject as a result of any legal or regulatory violation arising out of any such information or communication made available by or on behalf of the Access Eligible Shareholder or any of its affiliates or its Access
Nominee to the Corporation or to any shareholder of the Corporation in connection with the election of directors at the annual meeting of shareholders; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">B. agree to indemnify and hold harmless the Corporation and any of its affiliates, and any director, officer, employee or
representative thereof, individually against any liability, loss or damage in connection with any threatened or pending action, suit or proceeding, whether legal, administrative or investigative, against any such person arising out of or based upon
any nomination, solicitation or other activity by the Access Eligible Shareholder in connection with its efforts to elect the Access Nominee pursuant to this Section&nbsp;2.14; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ix) if the Access Nomination Notice is submitted by a group of persons that together constitute an Access Eligible
Shareholder, an agreement executed by all members of such group (A)&nbsp;designating one group member that is authorized to act on behalf of all members of the group with respect to the nomination and any and all matters related thereto, including
withdrawal of the nomination; and (B)&nbsp;acknowledging and agreeing that the undertaking, as well as the assumption of liability and indemnification obligations set forth in paragraph (4)(b)(viii) of this Section&nbsp;2.14 shall apply to each
member of such group on a joint and several basis; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(x) a statement of whether or not the Access Eligible Shareholder (including
each member of any group of persons constituting an Access Eligible Shareholder) intends to maintain the Minimum Ownership for at least one year following the annual meeting (subject to any mandatory fund rebalancing required by such person&#146;s
preexisting governing instruments or written investment policies); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xi) a copy of the Schedule 14N (or any successor form
thereto) that has been filed with the SEC as required by Rule <FONT STYLE="white-space:nowrap">14a-18</FONT> under the Exchange Act or any successor rule; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xii) consent of the Access Nominee to being named in the proxy statement and accompanying proxy card as a nominee, and to
serving as a director and acting as a representative of all shareholders if elected, and all information, agreements and undertakings by each Access Nominee that would be required to be provided by a Prospective Nominee who is nominated pursuant to
Section&nbsp;2.11, including, without limitation, the written questionnaire pursuant to Section&nbsp;2.13 and the representations and agreements described therein, and any other information reasonably requested by the Corporation, including, without
limitation, to evidence or support any facts, statements or other information; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xiii) a representation and undertaking by
the Access Nominee that such nominee (A)&nbsp;is and will continue to be Independent, (B)&nbsp;is not a Disqualified Repeat Nominee, (C)&nbsp;is not, and continues not to be, a Disqualified Person and (D)&nbsp;does not, and continues not to, fail
(1)&nbsp;to meet the audit committee and compensation committee independence requirements under the rules of the primary stock exchange on which the Corporation&#146;s securities are traded, or (2)&nbsp;to be a
<FONT STYLE="white-space:nowrap">&#147;non-employee</FONT> director&#148; for the purposes of Rule <FONT STYLE="white-space:nowrap">16b-3</FONT> under the Exchange Act (or any successor rule); </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xiv) the details of any position of the Access Nominee as an officer or director of any competitor (that does not result in
such Access Nominee to become a Disqualified Person) or significant supplier, customer or counterparty of the Corporation within the three years preceding the Submission Date; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xv) any other information, representations and agreements that are the same as those that would be required to be set forth in
a Shareholder&#146;s Notice of nomination pursuant to Section&nbsp;2.11, including, without limitation, the information with respect to a Proposing Person under Section&nbsp;2.11 and Articles Section&nbsp;6C. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The Access Nominee shall meet and shall continue to meet the criteria set forth in paragraph (4)(b)(xiii) of this Section&nbsp;2.14. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Neither the Access Nominee nor the applicable Access Eligible Shareholder (including
none of the members of any group of persons constituting an Access Eligible Shareholder) shall have provided information to the Corporation in respect to such nomination that was untrue in any material respect or omitted to state a material fact
necessary in order to make the statement made, in light of the circumstances under which they were made, not misleading, as determined by the Board of Directors or any committee thereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) Each of the Access Nominee and the applicable Access Eligible Shareholder (including each of the members of any group of persons
constituting an Access Eligible Shareholder) shall not have failed to comply with its agreements, representations, undertakings and other obligations pursuant to these Bylaws, including, but not limited to, this Section&nbsp;2.14. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) The information and documents required by this Section&nbsp;2.14(4) shall be (i)&nbsp;provided with respect to and executed by each Access
Eligible Shareholder or, in the case of an Access Eligible Shareholder comprised of a group of persons, each member in that group; and (ii)&nbsp;provided with respect to the persons specified in Instruction 1 to Items 6(c) and (d)&nbsp;of Schedule
14N (or any successor item) in the case of an Access Eligible Shareholder or, in the case of an Access Eligible Shareholder comprised of a group of persons, each member in that group. A breach of any obligation, agreement or representation in or
pursuant to this Section&nbsp;2.14 by any member of such group or any Access Nominee shall be deemed a breach by the Access Eligible Shareholder. The Access Nomination Notice shall be deemed submitted on the date on which all the information and
documents referred to in this Section&nbsp;2.14(4) (other than such notices, confirmations, information and documents contemplated to be provided after the date the Access Nomination Notice is provided, including, without limitation, the
confirmation contemplated by clause (ii)&nbsp;of Section&nbsp;14(4)(a)) have been delivered to or, if sent by mail, received by the Secretary of the Corporation (the &#147;Submission Date&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5) Notwithstanding anything to the contrary herein, the Corporation may omit from its proxy materials any information or statement that it,
in good faith, believes (1)&nbsp;is untrue in any material respect (or omits to state a material fact necessary in order to make the statements made, in light of the circumstances under which they are made, not misleading), (2) would violate any
applicable law, regulation or listing standard, or (3)&nbsp;directly or indirectly impugns the character, integrity or personal reputation of, or directly or indirectly makes charges concerning improper, illegal or immoral conduct or associations,
without factual foundation, with respect to any person. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(6) The Access Eligible Shareholder and its Access Nominee shall each provide to
the Corporation prompt written notice of: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) any material error recognized by the Access Eligible Shareholder or its Access Nominee in,
or any change in circumstances that makes incorrect or misleading in any material respect (collectively, an &#147;error&#148;), the information previously provided by the Access Eligible Shareholder or its nominee in the Access Nomination Notice or
otherwise provided to the Corporation or to its shareholders in connection with the nomination, and the information that is required to correct any such error (it being understood that providing any such notification shall not be deemed to cure any
such error or limit the remedies (including, without limitation, under these Bylaws) available to the Corporation relating to any such error); or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) any material change in its Ownership of shares of the Corporation occurring since the
Submission Date and before the election of directors at the annual meeting; provided, without limiting the generality of the foregoing, that any failure to satisfy the Minimum Ownership requirement shall constitute a material change. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(7) If the Board of Directors nominates an Access Nominee as part of the Board of Directors&#146; slate of nominees, the notice provided
pursuant to this Section&nbsp;2.14 will be deemed withdrawn and the former Access Nominee shall be presented to the shareholders at the annual meeting in the same manner as any other nominee of the Board of Directors, except that the Access Nominee
shall be considered a director for whom access to the Corporation&#146;s proxy materials was provided for all purposes of these Bylaws, including the determination of the Maximum Number of Access Nominees. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(8) If, after the deadline for submitting an Access Nomination Notice as set forth in Section&nbsp;14(4)(a), (i) an Access Eligible
Shareholder becomes ineligible to nominate a director for inclusion in the Corporation&#146;s proxy materials pursuant to this Section&nbsp;2.14 or withdraws such nomination, or (ii)&nbsp;an Access Nominee withdraws from or becomes unwilling,
ineligible or unavailable for election at the meeting or to serve on the Board of Directors for any reason or to be named in the Corporation&#146;s proxy materials pursuant to this Section&nbsp;2.14, in each case whether before or after the mailing
of a definitive proxy statement, including for the failure to comply with any provision of these Bylaws (provided that in no event shall any such ineligibility, withdrawal, unwillingness or unavailability commence a new time period (or extend any
time period) for the giving of an Access Nomination Notice), then the nomination of any Access Nominee by a person described in clause (i)&nbsp;of this paragraph, and of any Access Nominee described in clause (ii)&nbsp;of this paragraph, shall be
disregarded, and the Corporation (x)&nbsp;shall not be required to include in its proxy statement or on any ballot or form of proxy the disregarded Access Nominee or any successor or replacement nominee and (y)&nbsp;may otherwise communicate to
shareholders, including by amending or supplementing its proxy statement or ballot or form of proxy, that any such Access Nominee will not be included as a nominee in the proxy statement or on any ballot or form of proxy and will not be voted on at
the annual meeting. No other nominee may be substituted by the Access Eligible Shareholder that nominated any such Access Nominee. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(9)
Except as otherwise provided by law, the Articles or these Bylaws, the chairman of the meeting shall, if the facts warrant, determine and declare that (i)&nbsp;a nomination was not made in accordance with the procedures prescribed by this
Section&nbsp;2.14, (ii) an Access Nominee is ineligible to be named in the Corporation&#146;s proxy materials pursuant to this Section&nbsp;2.14 or to be considered for election at the meeting, or (iii)&nbsp;an Access Nominee and/or the applicable
Access Eligible Shareholder shall have breached its or their representations, undertakings, agreements or obligations under or pursuant to this Section&nbsp;2.14, and in each such case, the chairman of the meeting shall so declare at the meeting and
the nomination shall be disregarded notwithstanding that proxies in respect of the nomination of the relevant Access Nominee may have been received by the Corporation. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">20 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(10) Except for any nominations of any Prospective Nominees made pursuant to the Articles
and Section&nbsp;2.11 pursuant to Rule <FONT STYLE="white-space:nowrap">14a-19,</FONT> this Section&nbsp;2.14 shall be the exclusive method for shareholders or Access Eligible Shareholders to include nominees for director in the Corporation&#146;s
proxy materials. Notwithstanding anything to the contrary contained in this Section&nbsp;2.14, the Corporation may solicit against, and include in the proxy statement and any supplemental proxy materials its own statements relating to, any Access
Nominee. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(11) For purposes of these Bylaws, the following definitions shall apply: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) An &#147;Access Eligible Shareholder&#148; shall mean a person (or a group of not more than twenty (20)&nbsp;persons formed for the purpose
of seeking access pursuant to this Section&nbsp;2.14; provided that a group of funds that are (i)&nbsp;under common management and investment control, or (ii)&nbsp;under common management and funded primarily by the same employer, or (iii)&nbsp;a
&#147;group of investment companies,&#148; as such term is defined in Section&nbsp;12(d)(1)(G)(ii) of the Investment Company Act of 1940, as amended, shall be treated as one person for this purpose if the Access Eligible Shareholder provides, no
later than the deadline for submitting the Access Nomination Notice pursuant to paragraph (4)(a) of this Section&nbsp;2.14, documentation reasonably satisfactory to the Corporation to evidence the same) who or which has continuously Owned (as
defined below) 3% or more of the outstanding shares of the Corporation as of the most recent date for which such number is disclosed by the Corporation in any filing by the Corporation with the SEC prior to submission of the Access Nomination Notice
(the &#147;Minimum Ownership&#148;) continuously for a minimum of three full years prior to and as of the Submission Date (the &#147;Minimum Holding Period&#148;) and continue(s) to Own at least the same amount of securities so owned by such person
or group of persons through the record date for the annual meeting of shareholders and the date of the annual meeting of shareholders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of this Section&nbsp;2.14, persons who jointly nominate an individual for election as a director shall be considered an Access
Eligible Shareholder only if they have agreed in writing to so act, are so identified in the Access Nomination Notice and the information and the undertakings required by this Section&nbsp;2.14 for an Access Eligible Shareholder are provided by and
with respect to each such person. For the avoidance of doubt, for purposes of determining if persons who claim jointly to satisfy the Minimum Ownership and Minimum Holding Period requirements for an Access Eligible Shareholder, only the common
shares of the Corporation Owned by any member of a group continuously for at least three full years shall be aggregated with the common shares Owned continuously for three years by each other person acting jointly to constitute an Access Eligible
Shareholder. A record holder acting on behalf of a beneficial owner will not be counted separately as a shareholder with respect to the shares owned by beneficial owners on whose behalf such record holder has been directed in writing to act, but
each such beneficial owner will be counted separately as a member of such group, subject to the other provisions of this Section&nbsp;2.14. No person may be a member of more than one group of persons constituting an Access Eligible Shareholder with
respect to any annual meeting of shareholders and if any person appears as a member of more than one group, then it shall be deemed to be a member of the group that has the largest amount of shares of the Corporation disclosed as owned in the Access
Nomination Notice. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">21 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) A &#147;Disqualified Person&#148; means a nominee (i)&nbsp;whose election as a member of
the Board of Directors, or inclusion of such nominee in the Corporation&#146;s proxy materials, would cause the Corporation to be in violation of these Bylaws, the Articles, the rules and listing standards of the principal U.S. exchange upon which
the shares of the Corporation are traded, or any applicable state or federal law, rule or regulation; (ii)&nbsp;who is or has been, within the past three (3)&nbsp;years, an officer or director of a competitor, as defined in Section&nbsp;8 of the
Clayton Antitrust Act of 1914; (iii) who is a named subject of a pending criminal proceeding (excluding traffic violations and other minor offenses) or has been convicted in such a criminal proceeding within the past ten (10)&nbsp;years; or
(iv)&nbsp;who is subject to any order of the type specified in Rule 506(d) of Regulation D promulgated under the Securities Act of 1933, as amended; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) A &#147;Disqualified Repeat Nominee&#148; in respect of an annual meeting of shareholders shall mean an individual as to whom access to
the Corporation&#146;s proxy materials was provided pursuant to this Section&nbsp;2.14 for either of the two most recent annual meetings of shareholders and (i)&nbsp;who withdrew from or became unwilling, ineligible or unavailable for election at
the meeting or to serve on the Board of Directors for any reason or (ii)&nbsp;received at such meeting votes in favor of his or her election representing less than 25% of the total votes cast with respect to his or her election. For the avoidance of
doubt, neither this paragraph (11)(c) nor paragraph (4)(b)(iii) of this Section&nbsp;2.14 shall prevent any shareholder from nominating any person to the Board of Directors pursuant to and in accordance with Section&nbsp;2.11. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) &#147;Independent&#148; with respect to an Access Nominee shall mean that the nominee would be considered an independent director in
accordance with the listing standards of the principal U.S. exchange upon which the shares of the Corporation trade, any applicable rules of the SEC and any additional publicly disclosed standards used by the Board of Directors or a duly authorized
committee thereof in determining and disclosing the independence of the Corporation&#146;s directors in accordance with the rules of the SEC, such principal U.S. exchange or otherwise. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) The &#147;Maximum Number&#148; of Access Nominees for an annual meeting of shareholders shall be that number of directors constituting the
greater of (x)&nbsp;two or (y) 20% of the total number of directors in office as of the deadline for submitting an Access Nomination Notice as set forth in Section&nbsp;14(4)(a) (rounded down to the nearest whole number); provided, however, that for
so long as the Board of Directors is divided into classes, in no case shall the number of nominees appearing in the Corporation&#146;s proxy materials pursuant to this Section&nbsp;2.14 for any annual meeting exceed
<FONT STYLE="white-space:nowrap">one-half</FONT> (1/2) of the number of directors to be elected at such annual meeting. In the event that one or more vacancies for any reason occurs after such date but before the date of the annual meeting of
shareholders and the size of the Board of Directors is reduced in connection therewith, the Maximum Number shall be calculated based on the number of directors in office as so reduced. The Maximum Number shall be reduced by any of the following,
whether occurring before or after the deadline for submitting an Access Nomination Notice: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) any person who is or will
be nominated by the Board of Directors pursuant to paragraph (7)&nbsp;of this Section&nbsp;2.14; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">22 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) the number of directors in office on such date who were nominated at
any of the three most recent annual meetings of shareholders pursuant to this Section&nbsp;2.14 (including by the Board of Directors pursuant to paragraph (7)&nbsp;of this Section&nbsp;2.14) or pursuant to Section&nbsp;2.11, other than such
directors whose term of office will expire at such annual meeting of shareholders and who is not seeking (or agreeing) to be nominated at such meeting for another term of office; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) any person who is nominated by an Access Eligible Shareholder pursuant to this Section&nbsp;2.14 but whose nomination is
subsequently withdrawn or who becomes unwilling, ineligible or unavailable for election at the meeting, to serve as a director for any reason or to be named in the Corporation&#146;s proxy materials pursuant to this Section&nbsp;2.14; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) any person who is or will be nominated by the Board of Directors pursuant to an agreement, understanding or arrangement
with one or more shareholders or group of shareholders (other than any agreement, understanding or arrangement entered into in connection with an acquisition of shares of the Corporation, by such shareholder or group of shareholders, from the
Corporation). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) &#147;Ownership&#148; (and its correlative terms &#147;Owned,&#148; &#147;Owning&#148; and other variations of the word
&#147;Own&#148;), when used to describe the nature of a person&#146;s ownership of shares of the Corporation, shall mean those outstanding shares of common stock the Corporation (&#147;common shares&#148;) as to which the person in question
possesses (i)&nbsp;the full unhedged power to vote or direct the voting of such shares, (ii)&nbsp;the full unhedged economic incidents of ownership of such shares(including the full right to profits and the full risk of loss), and (iii)&nbsp;the
full unhedged power to dispose of or direct the disposition of such shares; provided that the number of shares calculated in accordance with clauses (i), (ii) and (iii)&nbsp;shall not include any shares (x)&nbsp;sold by such person or any of its
affiliates in any transaction that has not been settled or closed, including any short sale, or purchased by such person or any of its affiliates but the purchase has not settled or closed, (y)&nbsp;borrowed by such person or any of its affiliates
for any purposes or purchased by such person or any of its affiliates pursuant to an agreement to resell or subject to any other obligation to resell to another person, or (z)&nbsp;subject to any option, warrant, forward contract, swap, contract of
sale, other derivative or other agreement or understanding entered into by such person or any of its affiliates, whether any such instrument or agreement is to be settled with shares or with cash based on the notional amount or value of outstanding
common shares of the Corporation, in any such case which instrument or agreement has, or is intended to have, or if exercised would have, the purpose or effect of (A)&nbsp;reducing in any manner, to any extent or at any time in the future, such
person&#146;s or affiliates&#146; full rights to vote or direct the voting and full rights to dispose or direct the disposition of any of such shares, and/or (B)&nbsp;hedging, offsetting or altering to any degree gain or loss arising from the full
economic ownership of such shares by such person or affiliate. A person shall &#147;Own&#148; shares held in the name of a nominee or other intermediary so long as the person retains the right to instruct how the shares are voted with respect to the
election of directors and possesses the full economic interest in the shares. A person&#146;s Ownership of shares shall be deemed to continue during any period in which the person has delegated any voting power by means of a proxy, power of attorney
or other instrument or arrangement which is revocable at any time by the person. A person&#146;s Ownership of shares shall be deemed to continue during any period in which the person has loaned such shares, provided, that the person has the power to
recall such loaned shares on five (5)&nbsp;business days&#146; notice, and recalls such shares promptly upon being notified by the Corporation that the applicable Access Nominee will be included in the proxy materials. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">23 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION III. BOARD OF DIRECTORS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 3.1. </B><B><U>General Powers</U></B>. The business and affairs of the Corporation shall be managed by its Board of Directors. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 3.2. </B><B><U>Number and Tenure</U></B>. The number of Directors of the Corporation shall consist of such number of Directors as
the Board of Directors may from time to time determine; provided, however, that in no event shall the number of Directors be less than three; provided further, that except as otherwise specified in the Articles, the number of Directors may be
amended by affirmative vote of a majority of the Board of Directors from time to time. No reduction in the number of Directors shall affect the term of office of any incumbent Director. Directors shall be elected as provided in the Articles, with
each Director to hold office until his or her successor shall have been duly elected and qualified, or until their earlier death, resignation, removal or disqualification. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 3.3. </B><B><U>Certain Qualifications</U></B>. No person shall be qualified to be elected and to hold office as a Director if such
person is determined by a majority of the entire Board of Directors to have acted in a manner contrary to the best interests of the Corporation, including, but not limited to, the violation of federal or state law, maintenance of interests not
properly authorized and in conflict with the interests of the Corporation or breach of any agreement between that Director and the Corporation relating to his or her services as a Director, employee, or agent of the Corporation. A Director need not
be a resident of the State of Missouri or a shareholder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 3.4. </B><B><U>Directors Emeritus and Advisory Directors</U></B>. The
Board of Directors may from time to time create one or more positions of Director Emeritus and Advisory Director, and may fill such position or positions for such terms as the Board of Directors deems proper. Each Director Emeritus and Advisory
Director shall, upon the invitation of the Board of Directors, have the privilege of attending meetings of the Board of Directors but shall do so solely as an observer. Notice of meetings of the Board of Directors to a Director Emeritus or Advisory
Director shall not be required under any applicable law, the Articles, or these Bylaws. Each Director Emeritus and Advisory Director shall be entitled to receive such compensation as may be fixed from time to time by the Board of Directors. No
Director Emeritus or Advisory Director shall be entitled to vote on any business coming before the Board of Directors, nor shall he or she be counted as members of the Board of Directors for the purpose of determining the number of Directors
necessary to constitute a quorum, for the purpose of determining whether a quorum is present, or for any other purpose whatsoever. In the case of a Director Emeritus or Advisory Director, the occurrence of any event which in the case of a Director
would create a vacancy on the Board of Directors, shall be deemed to create a vacancy in such position; but the Board of Directors may declare the position terminated until such time as the Board of Directors shall again deem it proper to create and
to fill the position. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">24 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 3.5. </B><B><U>Regular Meetings</U></B>. The Board of Directors may provide, by
resolution naming the time and place, for the holding of regular meetings, within or without the State of Missouri, without other notice than such resolution. Any business may be transacted at a regular meeting. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 3.6. </B><B><U>Special Meetings</U></B>. Special meetings of the Board of Directors may be called by or at the request of the
Chairman of the Board, the President, or any two Directors. Any such special meeting shall be held at the place set out in the resolution for regular meetings or at the registered office of the corporation in Missouri if no such regular meeting
place has been set or at such other place, within or without the State of Missouri, as may be specified in the notice of such special meeting. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 3.7. </B><B><U>Conduct of Meetings</U></B>. Directors may participate in any meeting of the Board of Directors, or of any committee
of the Board of Directors, by means of conference telephone or similar means of remote communications whereby all persons participating in the meeting can hear each other, and participation in a meeting in this manner shall constitute presence in
person at the meeting. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 3.8. </B><B><U>Notice</U></B>. Notice of any special meeting shall be given at least twenty-four hours
previously thereto by written, oral, facsimile or electronic means. If mailed, such notice shall be deemed to be delivered five days after such notice is deposited in the United States mail, so addressed, with postage thereon prepaid. If personally
delivered or given orally, such notice shall be deemed delivered when so delivered or communicated. If given by facsimile or by electronic transmission, such notice shall be deemed to be delivered when transmitted to the last known number or address
furnished by the Director. Any Director may waive notice of any meeting as to himself. The attendance of a Director at a meeting shall constitute a waiver of notice of such meeting, except where a Director attends a meeting for the express purpose
of objecting to the transaction of any business because the meeting is not lawfully called or convened. Neither the business to be transacted at, nor the purpose of, any regular or special meeting of the Board of Directors need be specified in the
notice or waiver of notice of such meeting. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 3.9. </B><B><U>Quorum</U></B>. A majority of the number of Directors in office
shall constitute a quorum for the transaction of business at any meeting of the Board of Directors, but if less than such majority is present at a meeting, a majority of the Directors present may adjourn the meeting from time to time. If the meeting
is adjourned for more than twenty-four (24)&nbsp;hours, notice of the time and place of the adjourned meeting shall be given to the directors who were not present at the time of the adjournment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 3.10. </B><B><U>Manner of Acting</U></B>. The act of the majority of the Directors present at a meeting at which a quorum is
present shall be the act of the Board of Directors, unless the act of a greater number is required by the Articles, by these Bylaws, or by law. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">25 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 3.11. </B><B><U>Action Without a Meeting</U></B>. Any action that may be taken by
the Board of Directors at a meeting may be taken without a meeting, provided that all of the Directors sign consents setting forth the action so taken. The written consents shall be filed with the minutes of the meetings of the Board of Directors
and shall have the same force and effect as a unanimous vote at a meeting of Directors. This provision applies to committees of the Board of Directors as well, which can act with the unanimous consent of all committee members. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 3.12. </B><B><U>Resignation</U></B>. Any Director of the Corporation may resign at any time by giving written notice of such
resignation to the Board of Directors, the Chairman of the Board of Directors, the President, or the Secretary of the Corporation. Any such resignation shall take effect at the time specified therein or, if no time be specified, upon receipt thereof
by the Board of Directors or one of the above-named Officers; and, unless specified therein, the acceptance of such resignation shall not be necessary to make it effective. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 3.13. </B><B><U>Vacancies</U></B>. Any vacancy occurring in the Board of Directors may be filled by the affirmative vote of a
majority of the remaining Directors though less than a quorum of the Board of Directors. A Director elected to fill a vacancy shall be elected for a term expiring at the next annual meeting of shareholders held immediately following such person
being elected to fill the vacancy and until such Director&#146;s successor is elected and qualified or until such Director&#146;s earlier death, resignation, removal or disqualification. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 3.14. </B><B><U>Compensation</U></B>. Each Director may receive such compensation and be reimbursed for expenses, if any, of
attendance at each meeting of the Board of Directors or a Committee thereof as shall be determined by resolution of the Board of Directors. Nothing herein shall preclude any Director from serving the Corporation in any other capacity and receiving
compensation therefor. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 3.15. </B><B><U>Presumption of Assent</U></B>. A Director of the Corporation who is present at a
meeting of the Board of Directors at which action on any corporate matter is taken shall be presumed to have assented to the action taken unless his or her dissent shall be entered in the minutes of the meeting or unless he or she shall file his or
her written dissent to such action with the person acting as the secretary of the meeting before the adjournment thereof or shall forward such dissent by registered mail to the Secretary of the Corporation immediately after the adjournment of the
meeting. Such right to dissent shall not apply to a Director who voted in favor of such action. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 3.16.
</B><B><U>Indemnification of Directors and Officers</U></B>. The Corporation shall have such powers of indemnification as are provided in its Articles and not inconsistent with the laws of Missouri. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 3.17. </B><B><U>Executive Committee and Other Committees</U></B>. The Board of Directors may, by resolution or resolutions passed
by a majority of the whole board, designate an executive committee, such committee to consist of three or more directors of the Corporation, which committee, to the extent provided in said resolution or resolutions, shall have and may exercise all
of the authority of the Board of Directors in the management of the Corporation; but the designation of such committee and the delegation thereto of authority shall not operate to relieve the Board of Directors, or any member thereof, of any
responsibility imposed upon the Board or a Director by the General and Business Corporation law of Missouri. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">26 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Board of Directors may also, by resolution or resolutions passed by a majority of the
whole board, designate other committees, with such persons, powers, and duties as it deems desirable and as are not inconsistent with law. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 3.18. </B><B><U>Meetings and Reports of Committees</U></B>. A committee shall meet from time to time on call of the chairman of the
committee or of any two or more members of the committee. Notice of each such meeting, stating the place, date and hour thereof, shall be mailed at least five (5)&nbsp;days before the meeting, or shall be served personally on each member of the
committee, or delivered orally or by facsimile or electronic transmission to his address on the books of the Corporation, at least twenty-four (24)&nbsp;hours before the meeting. No such notice need state the business proposed to be transacted at
the meeting. No notice of a meeting of the committee need be given to any member who signs a waiver of notice, whether before or after the meeting, or who attends the meeting without protesting, prior thereto or at its commencement, the lack of
notice to such director. No notice need be given of an adjourned meeting of the committee unless the meeting is adjourned for more than twenty-four (24)&nbsp;hours, in which case notice of the time and place of the adjourned meeting shall be given
to the members of the committee who were not present at the time of adjournment. Meetings of the committee may be held at such place or places, either within or outside of the State of Missouri, as the committee shall determine, or as may be
specified or fixed in the respective notices or waivers thereof. Vacancies in the membership of each committee shall be filled by the Board of Directors at any regular or special meeting of the Board of Directors. A majority of the committee
constitutes a quorum for the transaction of business. Every act or decision done or made by a majority of the members of the committee present at a meeting duly held at which a quorum is present shall be regarded as the act of the committee. A
committee may fix its own rules of procedure. It shall keep a record of its proceedings and shall report these proceedings to the Board of Directors at or prior to the regular meeting of the Board to be held next after a committee meets. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION IV. OFFICERS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 4.1. </B><B><U>Number and Election</U></B>. The officers of the Corporation shall be a Chairman of the Board, a President, and a
Secretary, each of whom shall be elected by the Board of Directors. In addition, the Board of Directors shall elect and appoint the senior officers of the Corporation including Executive Vice Presidents, Senior Vice Presidents, and such other
officers as the Board of Directors may deem appropriate. The President may elect and appoint other officers of the Corporation including Vice Presidents, a Treasurer, assistant officers, and other junior officers. The Board of Directors shall ratify
the election and appointment of officers by the President at the first regular meeting of the Board of Directors in each fiscal year. The same person may hold any two or more offices, except those of President and Vice President or President and
Secretary. No officer need be a shareholder. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">27 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 4.2. </B><B><U>Term of Office</U></B>. Each officer shall hold office until the
first meeting of the Board of Directors after the next succeeding election of the Board of Directors and until his or her successor shall have been duly elected and shall have qualified or until his death or until he shall resign or shall have been
removed in the manner hereinafter provided. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 4.3. </B><B><U>Removal</U></B>. Any officer may be removed with or without cause
by the Board of Directors whenever, in the judgment of the Board of Directors, the best interests of the Corporation will be served thereby. The President may remove any officer that the President is authorized to appoint and elect in accordance
with Section&nbsp;1 whenever, in the judgment of the President, the best interests of the Corporation will be served thereby. Election or appointment of an officer shall not of itself create contract rights and the Board or President need specify no
cause for removal in any such removal. Any such removal shall be without prejudice to the contract rights, if any, of the person so removed. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 4.4. </B><B><U>Vacancies</U></B>. A vacancy in any office because of death, resignation, removal, disqualification, or otherwise
may be filled by the Board of Directors. The President may fill a vacancy in any office for which the President is authorized to appoint and elect an officer in accordance with Section&nbsp;4.1. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 4.5. </B><B><U>Chairman of the Board</U></B>. The Chairman shall preside at all meetings of the shareholders and Directors at which
he is present and shall perform any other duties prescribed by the Board of Directors or these Bylaws. He shall have full authority in respect to the signing and execution of instruments of the Corporation. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 4.6. </B><B><U>President</U></B>. The President shall be the Chief Executive Officer of the Corporation and, subject to the control
of the Board of Directors, shall in general supervise and control all of the business and affairs of the Corporation. He or she shall, if not also Chairman of the Board, preside in the absence of the Chairman of the Board at meetings of the
shareholders and of the Board of Directors. He or she may sign, with the Secretary or any other proper officer of the Corporation thereunto authorized by the Board of Directors, certificates for shares of the Corporation, and he or she may execute
all other instruments which the Board of Directors has authorized to be executed, except in cases where the signing and execution thereof shall be expressly delegated by the Board of Directors or by the Bylaws to some other officer or agent of the
Corporation, or shall be required by law to be otherwise signed or executed; and in general shall perform all duties incident to the office of President and such other duties as may be prescribed by the Board of Directors from time to time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 4.7. </B><B><U>The Vice President</U></B>. In the absence of the President or in the event of his or her death, inability, or
refusal to act, the Vice-President (or in the event there be more than one Vice-President, the Vice-Presidents in the order designated at the time of their election, or in the absence of any designation, then in the order of their election) shall
perform the duties of the President, and when so acting, shall have all the powers of and be subject to all the restrictions upon the President. In addition, any Vice-President shall perform such other duties as from time to time may be assigned to
him or her by the President or by the Board of Directors. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">28 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 4.8. </B><B><U>The Secretary</U></B>. The Secretary shall: (a)&nbsp;keep the
minutes of the proceedings of the shareholders and of the Board of Directors in one or more books provided for that purpose; (b)&nbsp;see that all notices are duly given in accordance with the provisions of the Bylaws or as required by law;
(c)&nbsp;be custodian of the corporate records and of the seal of the Corporation and see that the seal of the Corporation is affixed to all documents the execution of which on behalf of the Corporation under its seal is duly authorized and
required; (d)&nbsp;keep a register of the address of each shareholder as furnished by such shareholder; (e)&nbsp;sign with the President certificates for shares of the Corporation, the issuance of which shall have been authorized by resolution of
the Board of Directors; (f)&nbsp;have general charge of the stock transfer books of the Corporation; and (g)&nbsp;in general perform all duties incident to the office of Secretary and such other duties as form time to time may be assigned to him or
her by the President or by the Board of Directors, or as prescribed in these Bylaws. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 4.9. </B><B><U>The Treasurer</U></B>. The
Treasurer shall: (a)&nbsp;have charge and custody of and be responsible for all funds and securities of the Corporation; (b)&nbsp;receive and give receipts for moneys due and payable to the Corporation from any source whatsoever, and deposit all
such moneys in the name of the Corporation in such banks, trust companies or other depositaries as the Board of Directors may select; and (c)&nbsp;in general perform all of the duties incident to the office of Treasurer and such other duties as from
time to time may be assigned to him by the President or by the Board of Directors. If required by the Board of Directors, the Treasurer shall give a bond for the faithful discharge of his duties in such sum and with such surety or sureties as the
Board of Directors shall determine. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 4.10. </B><B><U>Salaries</U></B>. The salaries of the officers shall be fixed from time to
time by the Board of Directors and no officer shall be prevented from receiving such salary by reason of the fact that he is also a Director of the Corporation. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION V. CERTIFICATES FOR SHARES THEIR TRANSFER </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 5.1. </B><B><U>Stock Certificates</U></B>. The shares of the Corporation shall be represented by certificates, provided, however,
that the Board of Directors may provide by resolution that some or all of any classes or series of the Corporation&#146;s stock shall be uncertificated shares. Any such resolution shall not apply to shares represented by a certificate until such
certificate is surrendered to the Corporation. Notwithstanding the adoption of such a resolution by the Board of Directors, every holder of stock represented by certificates, and upon request, every holder of uncertificated shares, shall be entitled
to have a certificate, in any form approved by the Board of Directors, certifying the number and class of shares owned by the shareholder in the Corporation, signed by the Chairman, the President, or a Vice President and by the Secretary or
Treasurer or an Assistant Secretary or Assistant Treasurer of the Corporation and sealed with the seal of the Corporation, which may be facsimile, engraved or printed. If the certificate is countersigned by a transfer agent other than the
Corporation or its employee, or by a registrar other than the Corporation or its employee, any other signature on the certificate may be a facsimile signature, or may be engraved or printed. In case any officer, transfer agent, or registrar who has
signed or whose facsimile signature has been placed on the certificate shall have ceased to be an officer, transfer agent, or registrar before the certificate is issued, the certificate may nevertheless be issued by the Corporation with the same
effect as if such person were an officer, transfer agent, or registrar at the date of issue. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">29 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 5.2. </B><B><U>Transfer of Stock</U></B>. The shares of stock of the Corporation
shall be transferable only upon its books by the holders thereof in person or by their duly authorized attorneys or legal representatives. Upon transfer of certificated shares, the old certificates shall be surrendered to the Corporation by the
delivery thereof to the person in charge of the stock and transfer books and ledgers, or to such other persons as the Board of Directors may designate, by whom they shall be cancelled and new certificates shall thereupon be issued. In the case of
uncertificated shares, transfer shall be made only upon receipt of transfer documentation reasonably acceptable to the Corporation. Except as otherwise expressly provided by the statutes of the State of Missouri, the Corporation shall be entitled to
treat the holder of record of any share or shares of stock as the absolute owner thereof for all purposes and, accordingly, shall not be bound to recognize any legal, equitable, or other claim to or interest in such share or shares on the part of
any other person whether or not it or they shall have express or other notice thereof. The Board of Directors shall have the power and authority to make all such rules and regulations as it shall deem expedient concerning the issue, transfer and
registration of shares of stock of the Corporation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>SECTION 5.3. </B><B><U>Closing of Transfer Books and Fixing of Record
Date</U></B>. The Board of Directors shall have the power to close the transfer books of the Corporation for a period not exceeding 70 days prior to the date of any meeting of shareholders, or the date for payment of any dividend, or the date for
the allotment of rights, or the date when any change or conversion or exchange of shares shall go into effect. In lieu of so closing the transfer books, the Board of Directors may fix in advance a record date for the determination of the
shareholders entitled to notice of and to vote at any meeting and any adjournment or postponement thereof, or entitled to receive payment of any dividend or any allotment of rights, or entitled to exercise the rights in respect of any change,
conversion, or exchange of shares, up to 70 days prior to the date of any meeting of shareholders, or the date for the payment of any dividend, or the date for the allotment of rights, or the date when any change or conversion or exchange of shares
shall go into effect. In such case only the shareholders who are shareholders of record on the date of closing the share transfer books, or on the record date so fixed, shall be entitled to receive notice of and to vote at such meeting and any
adjournment or postponement thereof, or to receive payment of such dividend, or to receive payment of such dividend, or to receive such allotment of rights, or to exercise such rights, as the case may be, notwithstanding any transfer of any shares
on the books of the Corporation after the date of closing of the transfer books or the record date fixed as aforesaid. If the Board of Directors does not close the transfer books or set a record date for the determination of the shareholders
entitled to notice of and to vote any meeting of shareholders, only the shareholders who are shareholders of record at the close of business on the 20th day preceding the date of the meeting shall be entitled to notice of and to vote at the meeting
and upon any adjournment or postponement of the meeting, except that if prior to the meeting written waivers of notice of the meeting are signed and delivered to the Corporation by all of the shareholders of record at the time the meeting is
convened, only the shareholders who are shareholders of record at the time the meeting is convened, shall be entitled to vote at the meeting and any adjournment or postponement of the meeting. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">30 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;5.4. </B><B><U>Lost, Stolen, Destroyed or Mutilated
Certificates</U></B>. The holder of any shares of stock of the Corporation shall immediately notify the Corporation and its transfer agents and registrars, if any, of any loss, theft, destruction or mutilation of the certificates representing the
same. The Corporation may issue a new certificate or uncertificated shares in place of any certificate theretofore issued by it which is alleged to have been lost, stolen or destroyed and the Board of Directors may require the owner of the lost,
stolen or destroyed certificate or the owner&#146;s legal representative to give the Corporation a bond in a sum and in a form approved by the Board of Directors, and with a surety or sureties which the Board of Directors finds satisfactory, to
indemnify the Corporation and its transfer agents and registrars, if any, against any claim or liability that may be asserted against or incurred by it or any transfer agent or registrar on account of the alleged loss, theft or destruction of any
certificate or the issuance of a new certificate or uncertificated shares. The Board of Directors may, however, in its discretion, refuse to issue any such new certificate or uncertificated shares except pursuant to legal proceedings under the laws
of the State of Missouri in such case made and provided. A new certificate or uncertificated shares may be issued without requiring any bond when, in the judgment of the Board of Directors, it is proper so to do. The Board of Directors may delegate
to any Officer or Officers of the Corporation any of the powers and authorities contained in this Section&nbsp;5.4. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;5.5. </B><B><U>Transfer Agents and Registrars</U></B>. The Board of Directors may appoint one or more transfer
agents or transfer clerks and one or more registrars which may be banks, trust companies, or other financial institutions located within or without the State of Missouri; may define the authority of such transfer agents and registrars of transfers;
may require all stock certificates to bear the signature of a transfer agent or a registrar of transfers, or both; may impose such rules, regulations or procedures regarding uncertificated shares as it deems appropriate; and may change or remove any
such transfer agent or registrar of transfers. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION VI. FISCAL YEAR </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The fiscal year of the Corporation shall begin on the first day of January and end on the thirty-first day of December in each year. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION VII. DIVIDENDS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Board of Directors may, from time to time, declare and the Corporation may pay dividends on its outstanding shares in the manner, and upon
the terms and conditions provided by law and the Articles. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION VIII. CORPORATE SEAL </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Board of Directors may provide a corporate seal which shall be circular in form and shall have inscribed thereon the name of the
Corporation and the state of incorporation and the words, &#147;Corporate Seal.&#148; The seal shall be in the charge of the Secretary. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">31 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION IX. WAIVER OF NOTICE </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Whenever any notice is required to be given to any shareholder or director of the Corporation under the provisions of these Bylaws or under
the provisions of the Articles or under the provisions of the General and Business Corporation law of Missouri, a waiver thereof in writing signed by the person or persons entitled to such notice, whether before or after the time stated therein,
shall be deemed equivalent to the giving of such notice. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION X. AMENDMENTS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">These Bylaws may be altered, amended, or repealed and new Bylaws may be adopted by a majority of the entire Board of Directors at any regular
or special meeting of the Board of Directors or by the affirmative vote of the holders of record of outstanding shares representing a majority of all the outstanding shares of capital stock of the Corporation then entitled to vote generally in the
election of Directors, voting together as a single class, provided that no Bylaw may be adopted or amended so as to be inconsistent with the Articles, or the Constitution or laws of the State of Missouri. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION XI. CONSTRUCTION; DEFINITIONS; MISCELLANEOUS. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;11.1. </B><B><U>Construction; Definitions</U></B>. Unless the context requires otherwise, the general
provisions, rules of construction and definitions in the Articles and the General and Business Corporation Law of Missouri shall govern the construction of these Bylaws. Without limiting the generality of this provision, the singular number includes
the plural, the plural number includes the singular, the term &#147;person&#148; includes both a corporation and a natural person, and the masculine gender includes the feminine gender and vice versa. Any section, subsection, subdivision, sentence,
clause or phrase of these Bylaws which, upon being construed in the manner provided in this Section&nbsp;11.1, shall be contrary to or inconsistent with any applicable provisions of law or the Articles, shall not apply so long as said provisions of
law or the Articles shall remain in effect, but shall not affect the validity or applicability of any other portions of these Bylaws, it being hereby declared that these Bylaws would have been adopted and each section, subsection, subdivision,
sentence, clause or phrase thereof, irrespective of the fact that any one or more sections, subsections, subdivisions, sentences, clauses or phrases is or are illegal. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;11.2. </B><B><U>Provisions Additional to Provisions of Law</U></B>. All restrictions, limitations, requirements
and other provisions of these Bylaws shall be construed, insofar as possible, as supplemental and additional to all provisions of law applicable to the subject matter thereof and shall be fully complied with in addition to the said provisions of law
unless such compliance shall be illegal. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION XII. CONTROL SHARE ACQUISITIONS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;351.407 of the General and Business Corporation Law of Missouri, as amended from time to time (relating to control share
acquisitions), shall not apply to control share acquisitions of shares of capital stock of the Corporation. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">32 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION XIII. FORUM FOR ADJUDICATION OF CERTAIN DISPUTES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless the Corporation consents in writing to the selection of an alternative forum, any state court located in St. Louis County, Missouri, or
the United States District Court for the Eastern District of Missouri, shall be, to the fullest extent permitted by law, the sole and exclusive forum for (a)&nbsp;any derivative action or proceeding brought on behalf of the Corporation, (b)&nbsp;any
action asserting a claim of breach of a fiduciary duty owed by any director, officer or other employee of the Corporation to the Corporation or to the Corporation&#146;s shareholders, (c)&nbsp;any action asserting a claim against the Corporation or
any of its directors, officers or other employees arising pursuant to any provision of the General and Business Corporation Law of Missouri, the Articles or these Bylaws, (d)&nbsp;any action asserting a claim against the Corporation or any of its
directors, officers or other employees governed by the internal affairs doctrine, or (e)&nbsp;any action to interpret, apply, enforce or determine the validity of the Articles or these Bylaws, in each case regardless of whether such action or
proceeding is based on common law, statutory, equitable, legal or other grounds,<SUP STYLE="font-size:75%; vertical-align:top"> </SUP>and, in each case, including any action brought by a beneficial owner of the Corporation&#146;s shares; provided,
however, that in the event that such court lacks jurisdiction over any such action or proceeding, the sole and exclusive forum for such action or proceeding shall be any state or federal court located in the State of Missouri; except for, in all
cases, with respect to any action or proceeding as to which such state or federal court determines that there is an indispensable party not subject to the jurisdiction of such court (and the indispensable party does not consent to the personal
jurisdiction of such court within ten days following such determination). Any person or entity holding, purchasing or otherwise acquiring any interest in shares of capital stock of the Corporation shall be deemed to consent to (i)&nbsp;the personal
jurisdiction of the state and federal courts located within the state of Missouri in any proceeding brought to enjoin, or otherwise enforce this Section XIII with respect to, any action by that person or entity that is inconsistent with the
exclusive jurisdiction provided for in this Section XIII (an &#147;Inconsistent Action&#148;) and (ii)&nbsp;having service of process made upon such shareholder in any such proceeding by service upon such shareholder&#146;s counsel in such
Inconsistent Action as agent for such shareholder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">* * * * * </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Amended and Restated Bylaws adopted by resolution of the Board of Directors at a regular meeting held December&nbsp;20, 2022. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">33 </P>

</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>3
<FILENAME>rga-20221220.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release master Build:20221108.6 -->
<!-- Creation date: 12/21/2022 2:47:05 AM Eastern Time -->
<!-- Copyright (c) 2022 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<xsd:schema
  xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric"
  xmlns:num="http://www.xbrl.org/dtr/type/numeric"
  xmlns:us-types="http://fasb.org/us-types/2022"
  xmlns:rga="http://www.rgare.com/20221220"
  xmlns:dei="http://xbrl.sec.gov/dei/2022"
  xmlns:xbrli="http://www.xbrl.org/2003/instance"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
  xmlns:us-gaap="http://fasb.org/us-gaap/2022"
  attributeFormDefault="unqualified"
  elementFormDefault="qualified"
  targetNamespace="http://www.rgare.com/20221220"
  xmlns:xsd="http://www.w3.org/2001/XMLSchema">
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/linkbase" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/dei/2022/dei-2022.xsd" namespace="http://xbrl.sec.gov/dei/2022" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/numeric" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/non-numeric" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/naics/2022/naics-2022.xsd" namespace="http://xbrl.sec.gov/naics/2022" />
    <xsd:import schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt" />
    <xsd:import schemaLocation="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd" namespace="http://fasb.org/us-gaap/2022" />
    <xsd:import schemaLocation="https://xbrl.fasb.org/us-gaap/2022/elts/us-types-2022.xsd" namespace="http://fasb.org/us-types/2022" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="rga-20221220_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:title="Label Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="rga-20221220_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:title="Presentation Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="rga-20221220_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:title="Definition Links, all" xlink:type="simple" />
      <link:roleType roleURI="http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation" id="Role_DocumentDocumentAndEntityInformation">
        <link:definition>100000 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:element id="rga_DocumentAndEntityInformationTable" name="DocumentAndEntityInformationTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="rga_DocumentAndEntityInformationLineItems" name="DocumentAndEntityInformationLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" name="M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member" name="M7.125FixedRateResetSubordinatedDebenturesDue2052Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
</xsd:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>4
<FILENAME>rga-20221220_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release master Build:20221108.6 -->
<!-- Creation date: 12/21/2022 2:47:10 AM Eastern Time -->
<!-- Copyright (c) 2022 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<linkbase xmlns="http://www.xbrl.org/2003/linkbase" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all" arcroleURI="http://xbrl.org/int/dim/arcrole/all" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member" arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension" arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" />
  <link:roleRef roleURI="http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="rga-20221220.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:definitionLink xlink:type="extended" xlink:role="http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="rga-20221220.xsd#rga_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="rga_DocumentAndEntityInformationTable" />
    <link:loc xlink:href="rga-20221220.xsd#rga_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="rga_DocumentAndEntityInformationLineItems" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain_2" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommonStockMember" xlink:type="locator" xlink:label="us-gaap_CommonStockMember" />
    <link:loc xlink:href="rga-20221220.xsd#rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" xlink:type="locator" xlink:label="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" />
    <link:loc xlink:href="rga-20221220.xsd#rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member" xlink:type="locator" xlink:label="rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CurrentFiscalYearEndDate" xlink:type="locator" xlink:label="dei_CurrentFiscalYearEndDate" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="rga_DocumentAndEntityInformationTable" order="1" priority="2" use="optional" xbrldt:contextElement="segment" xbrldt:closed="true" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="rga_DocumentAndEntityInformationTable" xlink:to="us-gaap_StatementClassOfStockAxis" order="1" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain" order="23" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain_2" order="23.0001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_CommonStockMember" order="24" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" order="25" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member" order="26" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityRegistrantName" order="28.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_AmendmentFlag" order="29.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityCentralIndexKey" order="30.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_CurrentFiscalYearEndDate" order="31.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentType" order="35.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentPeriodEndDate" order="36.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityIncorporationStateCountryCode" order="37.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityFileNumber" order="38.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityTaxIdentificationNumber" order="39.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressAddressLine1" order="40.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressCityOrTown" order="41.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressStateOrProvince" order="42.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressPostalZipCode" order="43.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_CityAreaCode" order="44.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_LocalPhoneNumber" order="45.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_WrittenCommunications" order="46.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_SolicitingMaterial" order="47.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementTenderOffer" order="48.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementIssuerTenderOffer" order="49.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_Security12bTitle" order="50.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_TradingSymbol" order="51.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_SecurityExchangeName" order="52.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityEmergingGrowthCompany" order="53.001" priority="2" use="optional" />
  </link:definitionLink>
</linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>5
<FILENAME>rga-20221220_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release master Build:20221108.6 -->
<!-- Creation date: 12/21/2022 2:47:05 AM Eastern Time -->
<!-- Copyright (c) 2022 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Cover [Abstract]</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Cover [Abstract]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Registrant Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Registrant Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Amendment Flag</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Amendment Flag</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Central Index Key</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Central Index Key</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CurrentFiscalYearEndDate" xlink:type="locator" xlink:label="dei_CurrentFiscalYearEndDate" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CurrentFiscalYearEndDate" xlink:to="dei_CurrentFiscalYearEndDate_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CurrentFiscalYearEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Current Fiscal Year End Date</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CurrentFiscalYearEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Current Fiscal Year End Date</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Type</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Type</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Period End Date</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Period End Date</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Incorporation State Country Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Incorporation State Country Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity File Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity File Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Tax Identification Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Tax Identification Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Address Line One</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Address Line One</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, City or Town</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, City or Town</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, State or Province</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, State or Province</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Postal Zip Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">City Area Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">City Area Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Local Phone Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Local Phone Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Written Communications</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Written Communications</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Soliciting Material</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Soliciting Material</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Issuer Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Issuer Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security 12b Title</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security 12b Title</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Trading Symbol</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Trading Symbol</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security Exchange Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security Exchange Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Emerging Growth Company</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Emerging Growth Company</link:label>
    <link:loc xlink:href="rga-20221220.xsd#rga_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="rga_DocumentAndEntityInformationTable" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="rga_DocumentAndEntityInformationTable" xlink:to="rga_DocumentAndEntityInformationTable_lbl" />
    <link:label xml:lang="en-US" xlink:label="rga_DocumentAndEntityInformationTable_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document And Entity Information [Table]</link:label>
    <link:label xml:lang="en-US" xlink:label="rga_DocumentAndEntityInformationTable_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document And Entity Information [Table]</link:label>
    <link:loc xlink:href="rga-20221220.xsd#rga_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="rga_DocumentAndEntityInformationLineItems" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="rga_DocumentAndEntityInformationLineItems_lbl" />
    <link:label xml:lang="en-US" xlink:label="rga_DocumentAndEntityInformationLineItems_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document And Entity Information [Line Items]</link:label>
    <link:label xml:lang="en-US" xlink:label="rga_DocumentAndEntityInformationLineItems_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document And Entity Information [Line Items]</link:label>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_StatementClassOfStockAxis_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_StatementClassOfStockAxis_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Class of Stock [Axis]</link:label>
    <link:label xml:lang="en-US" xlink:label="us-gaap_StatementClassOfStockAxis_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Class of Stock [Axis]</link:label>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_ClassOfStockDomain_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_ClassOfStockDomain_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Class of Stock [Domain]</link:label>
    <link:label xml:lang="en-US" xlink:label="us-gaap_ClassOfStockDomain_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Class of Stock [Domain]</link:label>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommonStockMember" xlink:type="locator" xlink:label="us-gaap_CommonStockMember" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockMember" xlink:to="us-gaap_CommonStockMember_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_CommonStockMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Common Stock [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="us-gaap_CommonStockMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Common Stock [Member]</link:label>
    <link:loc xlink:href="rga-20221220.xsd#rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" xlink:type="locator" xlink:label="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" xlink:to="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member_lbl" />
    <link:label xml:lang="en-US" xlink:label="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">M 5.75 Fixed To Floating Rate Subordinated Debentures Due 2056 [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">M 5.75 Fixed To Floating Rate Subordinated Debentures Due 2056 [Member]</link:label>
    <link:loc xlink:href="rga-20221220.xsd#rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member" xlink:type="locator" xlink:label="rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member" xlink:to="rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member_lbl" />
    <link:label xml:lang="en-US" xlink:label="rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">M 7.125 Fixed Rate Reset Subordinated Debentures Due 2052 [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">M 7.125 Fixed Rate Reset Subordinated Debentures Due 2052 [Member]</link:label>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>6
<FILENAME>rga-20221220_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release master Build:20221108.6 -->
<!-- Creation date: 12/21/2022 2:47:06 AM Eastern Time -->
<!-- Copyright (c) 2022 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
    xmlns:link="http://www.xbrl.org/2003/linkbase"
    xmlns:xlink="http://www.w3.org/1999/xlink"
    xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
    xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
    xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="rga-20221220.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:presentationLink xlink:type="extended" xlink:role="http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:loc xlink:href="rga-20221220.xsd#rga_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="rga_DocumentAndEntityInformationTable" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="rga_DocumentAndEntityInformationTable" order="21" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="rga-20221220.xsd#rga_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="rga_DocumentAndEntityInformationLineItems" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationTable" xlink:to="rga_DocumentAndEntityInformationLineItems" order="22" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationTable" xlink:to="us-gaap_StatementClassOfStockAxis" order="1" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain" order="23" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommonStockMember" xlink:type="locator" xlink:label="us-gaap_CommonStockMember" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_CommonStockMember" order="24" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="rga-20221220.xsd#rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" xlink:type="locator" xlink:label="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" order="25" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="rga-20221220.xsd#rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member" xlink:type="locator" xlink:label="rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member" order="26" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityRegistrantName" order="28.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_AmendmentFlag" order="29.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityCentralIndexKey" order="30.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CurrentFiscalYearEndDate" xlink:type="locator" xlink:label="dei_CurrentFiscalYearEndDate" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_CurrentFiscalYearEndDate" order="31.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentType" order="35.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentPeriodEndDate" order="36.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityIncorporationStateCountryCode" order="37.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityFileNumber" order="38.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityTaxIdentificationNumber" order="39.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressAddressLine1" order="40.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressCityOrTown" order="41.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressStateOrProvince" order="42.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressPostalZipCode" order="43.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_CityAreaCode" order="44.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_LocalPhoneNumber" order="45.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_WrittenCommunications" order="46.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_SolicitingMaterial" order="47.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementTenderOffer" order="48.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementIssuerTenderOffer" order="49.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_Security12bTitle" order="50.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_TradingSymbol" order="51.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_SecurityExchangeName" order="52.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityEmergingGrowthCompany" order="53.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>7
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.22.4</span><table class="report" border="0" cellspacing="2" id="idm140320195800080">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Dec. 20, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_rga_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">REINSURANCE GROUP OF AMERICA INC<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000898174<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
<td class="text">--12-31<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Dec. 20,  2022<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation State Country Code</a></td>
<td class="text">MO<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">1-11848<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">43-1627032<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">16600 Swingley Ridge Road<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Chesterfield<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">MO<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">63017<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">(636)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">736-7000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre Commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre Commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember', window );">Common Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_rga_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Common Stock, par value $0.01<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">RGA<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member', window );">M 5.75 Fixed To Floating Rate Subordinated Debentures Due 2056 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_rga_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">5.75% Fixed-To-Floating Rate Subordinated Debentures due 2056<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">RZB<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member', window );">M 7.125 Fixed Rate Reset Subordinated Debentures Due 2052 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_rga_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">7.125% Fixed-Rate Reset Subordinated Debentures due 2052<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">RZC<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CurrentFiscalYearEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>End date of current fiscal year in the format --MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CurrentFiscalYearEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gMonthDayItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_rga_DocumentAndEntityInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">rga_DocumentAndEntityInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>rga_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>8
<FILENAME>d438101d8k_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2022"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:rga="http://www.rgare.com/20221220"
  xmlns:us-gaap="http://fasb.org/us-gaap/2022"
  xmlns:xbrldi="http://xbrl.org/2006/xbrldi"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="rga-20221220.xsd" xlink:type="simple"/>
    <context id="duration_2022-12-20_to_2022-12-20">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000898174</identifier>
        </entity>
        <period>
            <startDate>2022-12-20</startDate>
            <endDate>2022-12-20</endDate>
        </period>
    </context>
    <context id="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000898174</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-12-20</startDate>
            <endDate>2022-12-20</endDate>
        </period>
    </context>
    <context id="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000898174</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">rga:M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-12-20</startDate>
            <endDate>2022-12-20</endDate>
        </period>
    </context>
    <context id="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue2052Member">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000898174</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">rga:M7.125FixedRateResetSubordinatedDebenturesDue2052Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-12-20</startDate>
            <endDate>2022-12-20</endDate>
        </period>
    </context>
    <dei:EntityRegistrantName
      contextRef="duration_2022-12-20_to_2022-12-20"
      id="Hidden_dei_EntityRegistrantName">REINSURANCE GROUP OF AMERICA INC</dei:EntityRegistrantName>
    <dei:AmendmentFlag contextRef="duration_2022-12-20_to_2022-12-20">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey
      contextRef="duration_2022-12-20_to_2022-12-20"
      id="Hidden_dei_EntityCentralIndexKey">0000898174</dei:EntityCentralIndexKey>
    <dei:CurrentFiscalYearEndDate
      contextRef="duration_2022-12-20_to_2022-12-20"
      id="Hidden_dei_CurrentFiscalYearEndDate_duration_2022-12-20_to_2022-12-20">--12-31</dei:CurrentFiscalYearEndDate>
    <dei:DocumentType contextRef="duration_2022-12-20_to_2022-12-20">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="duration_2022-12-20_to_2022-12-20">2022-12-20</dei:DocumentPeriodEndDate>
    <dei:EntityIncorporationStateCountryCode contextRef="duration_2022-12-20_to_2022-12-20">MO</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="duration_2022-12-20_to_2022-12-20">1-11848</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="duration_2022-12-20_to_2022-12-20">43-1627032</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="duration_2022-12-20_to_2022-12-20">16600 Swingley Ridge Road</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="duration_2022-12-20_to_2022-12-20">Chesterfield</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="duration_2022-12-20_to_2022-12-20">MO</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="duration_2022-12-20_to_2022-12-20">63017</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="duration_2022-12-20_to_2022-12-20">(636)</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="duration_2022-12-20_to_2022-12-20">736-7000</dei:LocalPhoneNumber>
    <dei:WrittenCommunications contextRef="duration_2022-12-20_to_2022-12-20">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="duration_2022-12-20_to_2022-12-20">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="duration_2022-12-20_to_2022-12-20">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="duration_2022-12-20_to_2022-12-20">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle contextRef="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">Common Stock, par value $0.01</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">RGA</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member">5.75% Fixed-To-Floating Rate Subordinated Debentures due 2056</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member">RZB</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue2052Member">7.125% Fixed-Rate Reset Subordinated Debentures due 2052</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue2052Member">RZC</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2022-12-20_to_2022-12-20_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue2052Member">NYSE</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany contextRef="duration_2022-12-20_to_2022-12-20">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>9
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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M?!^2!F.,6_0T7X\48JVFL:W&VC$,>8!8\PRA9CC?AT6:&C/5BZPYC0IO0=5
MY3_;U UH]@TT')$%7C&9MC:CY$X*/-S^[PVPPL2.X>V+OP%02P,$%     @
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MHLI? \H3+3?%$_B%U%HFQ>&:,UA+FPO@^Z64>G]B'NI7O\D,_@902P,$%
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M$MP>:4#M.*2VBZD8_1!2:5K5N %(MB6/:<Z10J[4+!XUA]) 1-MC0[!:+#Y
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M2:AU[D&P]_ :C1W-CQ^W_ %02P,$%     @ $8B4520>FZ*M    ^ $  !H
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M_0QI-^2!8ECFS_A[QA?_&\[Q$<+NOS^QO-9.&G_FB^$_7G\!4$L! A0#%
M  @ $8B450=!36*!    L0   !               ( !     &1O8U!R;W!S
M+V%P<"YX;6Q02P$"% ,4    "  1B)15]I%3*>T    K @  $0
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M<R\N<F5L<U!+ 0(4 Q0    ( !&(E%4<.&7J/P$  #P"   /
M  "  701  !X;"]W;W)K8F]O:RYX;6Q02P$"% ,4    "  1B)15)!Z;HJT
M  #X 0  &@              @ '@$@  >&PO7W)E;',O=V]R:V)O;VLN>&UL
M+G)E;'-02P$"% ,4    "  1B)1599!YDAD!  #/ P  $P
M@ '%$P  6T-O;G1E;G1?5'EP97-=+GAM;%!+!08     "0 ) #X"   /%0
"   !

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>11
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>12
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.22.4</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>4</ContextCount>
  <ElementCount>23</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>3</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="d438101d8k.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>100000 - Document - Document and Entity Information</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation</Role>
      <ShortName>Document and Entity Information</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <Logs>
    <Log type="Warning">[ix-0514-Hidden-Fact-Eligible-For-Transform] WARN: 1 fact(s) appearing in ix:hidden were eligible for transformation: dei:EntityRegistrantName -  d438101d8k.htm 7</Log>
  </Logs>
  <InputFiles>
    <File doctype="8-K" original="d438101d8k.htm">d438101d8k.htm</File>
    <File>d438101dex31.htm</File>
    <File>rga-20221220.xsd</File>
    <File>rga-20221220_def.xml</File>
    <File>rga-20221220_lab.xml</File>
    <File>rga-20221220_pre.xml</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy items="29">http://xbrl.sec.gov/dei/2022</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>15
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "instance": {
  "d438101d8k.htm": {
   "axisCustom": 0,
   "axisStandard": 1,
   "baseTaxonomies": {
    "http://xbrl.sec.gov/dei/2022": 29
   },
   "contextCount": 4,
   "dts": {
    "definitionLink": {
     "local": [
      "rga-20221220_def.xml"
     ]
    },
    "inline": {
     "local": [
      "d438101d8k.htm"
     ]
    },
    "labelLink": {
     "local": [
      "rga-20221220_lab.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "rga-20221220_pre.xml"
     ]
    },
    "schema": {
     "local": [
      "rga-20221220.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd",
      "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd",
      "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd",
      "https://www.xbrl.org/2020/extensible-enumerations-2.0.xsd",
      "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd",
      "https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd",
      "https://xbrl.fasb.org/srt/2022/elts/srt-roles-2022.xsd",
      "https://xbrl.fasb.org/srt/2022/elts/srt-types-2022.xsd",
      "https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd",
      "https://xbrl.fasb.org/us-gaap/2022/elts/us-roles-2022.xsd",
      "https://xbrl.fasb.org/us-gaap/2022/elts/us-types-2022.xsd",
      "https://xbrl.sec.gov/country/2022/country-2022.xsd",
      "https://xbrl.sec.gov/dei/2022/dei-2022.xsd",
      "https://xbrl.sec.gov/naics/2022/naics-2022.xsd"
     ]
    }
   },
   "elementCount": 31,
   "entityCount": 1,
   "hidden": {
    "http://xbrl.sec.gov/dei/2022": 4,
    "total": 4
   },
   "keyCustom": 0,
   "keyStandard": 23,
   "memberCustom": 2,
   "memberStandard": 1,
   "nsprefix": "rga",
   "nsuri": "http://www.rgare.com/20221220",
   "report": {
    "R1": {
     "firstAnchor": {
      "ancestors": [
       "span",
       "p",
       "div",
       "div",
       "body",
       "html"
      ],
      "baseRef": "d438101d8k.htm",
      "contextRef": "duration_2022-12-20_to_2022-12-20",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     },
     "groupType": "document",
     "isDefault": "true",
     "longName": "100000 - Document - Document and Entity Information",
     "menuCat": "Cover",
     "order": "1",
     "role": "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation",
     "shortName": "Document and Entity Information",
     "subGroupType": "",
     "uniqueAnchor": {
      "ancestors": [
       "span",
       "p",
       "div",
       "div",
       "body",
       "html"
      ],
      "baseRef": "d438101d8k.htm",
      "contextRef": "duration_2022-12-20_to_2022-12-20",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     }
    }
   },
   "segmentCount": 3,
   "tag": {
    "dei_AmendmentFlag": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.",
        "label": "Amendment Flag",
        "terseLabel": "Amendment Flag"
       }
      }
     },
     "localname": "AmendmentFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_CityAreaCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Area code of city",
        "label": "City Area Code",
        "terseLabel": "City Area Code"
       }
      }
     },
     "localname": "CityAreaCode",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CoverAbstract": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Cover page.",
        "label": "Cover [Abstract]",
        "terseLabel": "Cover [Abstract]"
       }
      }
     },
     "localname": "CoverAbstract",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "xbrltype": "stringItemType"
    },
    "dei_CurrentFiscalYearEndDate": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "End date of current fiscal year in the format --MM-DD.",
        "label": "Current Fiscal Year End Date",
        "terseLabel": "Current Fiscal Year End Date"
       }
      }
     },
     "localname": "CurrentFiscalYearEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "gMonthDayItemType"
    },
    "dei_DocumentPeriodEndDate": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.",
        "label": "Document Period End Date",
        "terseLabel": "Document Period End Date"
       }
      }
     },
     "localname": "DocumentPeriodEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentType": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.",
        "label": "Document Type",
        "terseLabel": "Document Type"
       }
      }
     },
     "localname": "DocumentType",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "submissionTypeItemType"
    },
    "dei_EntityAddressAddressLine1": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name",
        "label": "Entity Address, Address Line One",
        "terseLabel": "Entity Address, Address Line One"
       }
      }
     },
     "localname": "EntityAddressAddressLine1",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCityOrTown": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the City or Town",
        "label": "Entity Address, City or Town",
        "terseLabel": "Entity Address, City or Town"
       }
      }
     },
     "localname": "EntityAddressCityOrTown",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressPostalZipCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Code for the postal or zip code",
        "label": "Entity Address, Postal Zip Code",
        "terseLabel": "Entity Address, Postal Zip Code"
       }
      }
     },
     "localname": "EntityAddressPostalZipCode",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressStateOrProvince": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the state or province.",
        "label": "Entity Address, State or Province",
        "terseLabel": "Entity Address, State or Province"
       }
      }
     },
     "localname": "EntityAddressStateOrProvince",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stateOrProvinceItemType"
    },
    "dei_EntityCentralIndexKey": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.",
        "label": "Entity Central Index Key",
        "terseLabel": "Entity Central Index Key"
       }
      }
     },
     "localname": "EntityCentralIndexKey",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "centralIndexKeyItemType"
    },
    "dei_EntityEmergingGrowthCompany": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate if registrant meets the emerging growth company criteria.",
        "label": "Entity Emerging Growth Company",
        "terseLabel": "Entity Emerging Growth Company"
       }
      }
     },
     "localname": "EntityEmergingGrowthCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityFileNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.",
        "label": "Entity File Number",
        "terseLabel": "Entity File Number"
       }
      }
     },
     "localname": "EntityFileNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "fileNumberItemType"
    },
    "dei_EntityIncorporationStateCountryCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Two-character EDGAR code representing the state or country of incorporation.",
        "label": "Entity Incorporation State Country Code",
        "terseLabel": "Entity Incorporation State Country Code"
       }
      }
     },
     "localname": "EntityIncorporationStateCountryCode",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarStateCountryItemType"
    },
    "dei_EntityRegistrantName": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.",
        "label": "Entity Registrant Name",
        "terseLabel": "Entity Registrant Name"
       }
      }
     },
     "localname": "EntityRegistrantName",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityTaxIdentificationNumber": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.",
        "label": "Entity Tax Identification Number",
        "terseLabel": "Entity Tax Identification Number"
       }
      }
     },
     "localname": "EntityTaxIdentificationNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "employerIdItemType"
    },
    "dei_LocalPhoneNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Local phone number for entity.",
        "label": "Local Phone Number",
        "terseLabel": "Local Phone Number"
       }
      }
     },
     "localname": "LocalPhoneNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "auth_ref": [
      "r3"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.",
        "label": "Pre Commencement Issuer Tender Offer",
        "terseLabel": "Pre Commencement Issuer Tender Offer"
       }
      }
     },
     "localname": "PreCommencementIssuerTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_PreCommencementTenderOffer": {
     "auth_ref": [
      "r4"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.",
        "label": "Pre Commencement Tender Offer",
        "terseLabel": "Pre Commencement Tender Offer"
       }
      }
     },
     "localname": "PreCommencementTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_Security12bTitle": {
     "auth_ref": [
      "r0"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Title of a 12(b) registered security.",
        "label": "Security 12b Title",
        "terseLabel": "Security 12b Title"
       }
      }
     },
     "localname": "Security12bTitle",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_SecurityExchangeName": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the Exchange on which a security is registered.",
        "label": "Security Exchange Name",
        "terseLabel": "Security Exchange Name"
       }
      }
     },
     "localname": "SecurityExchangeName",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarExchangeCodeItemType"
    },
    "dei_SolicitingMaterial": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.",
        "label": "Soliciting Material",
        "terseLabel": "Soliciting Material"
       }
      }
     },
     "localname": "SolicitingMaterial",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_TradingSymbol": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Trading symbol of an instrument as listed on an exchange.",
        "label": "Trading Symbol",
        "terseLabel": "Trading Symbol"
       }
      }
     },
     "localname": "TradingSymbol",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "tradingSymbolItemType"
    },
    "dei_WrittenCommunications": {
     "auth_ref": [
      "r6"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.",
        "label": "Written Communications",
        "terseLabel": "Written Communications"
       }
      }
     },
     "localname": "WrittenCommunications",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "rga_DocumentAndEntityInformationLineItems": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document And Entity Information [Line Items]",
        "terseLabel": "Document And Entity Information [Line Items]"
       }
      }
     },
     "localname": "DocumentAndEntityInformationLineItems",
     "nsuri": "http://www.rgare.com/20221220",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stringItemType"
    },
    "rga_DocumentAndEntityInformationTable": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document And Entity Information [Table]",
        "terseLabel": "Document And Entity Information [Table]"
       }
      }
     },
     "localname": "DocumentAndEntityInformationTable",
     "nsuri": "http://www.rgare.com/20221220",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stringItemType"
    },
    "rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "M 5.75 Fixed To Floating Rate Subordinated Debentures Due 2056 [Member]",
        "terseLabel": "M 5.75 Fixed To Floating Rate Subordinated Debentures Due 2056 [Member]"
       }
      }
     },
     "localname": "M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member",
     "nsuri": "http://www.rgare.com/20221220",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "M 7.125 Fixed Rate Reset Subordinated Debentures Due 2052 [Member]",
        "terseLabel": "M 7.125 Fixed Rate Reset Subordinated Debentures Due 2052 [Member]"
       }
      }
     },
     "localname": "M7.125FixedRateResetSubordinatedDebenturesDue2052Member",
     "nsuri": "http://www.rgare.com/20221220",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_ClassOfStockDomain": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Class of Stock [Domain]",
        "terseLabel": "Class of Stock [Domain]"
       }
      }
     },
     "localname": "ClassOfStockDomain",
     "nsuri": "http://fasb.org/us-gaap/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_CommonStockMember": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Common Stock [Member]",
        "terseLabel": "Common Stock [Member]"
       }
      }
     },
     "localname": "CommonStockMember",
     "nsuri": "http://fasb.org/us-gaap/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_StatementClassOfStockAxis": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Class of Stock [Axis]",
        "terseLabel": "Class of Stock [Axis]"
       }
      }
     },
     "localname": "StatementClassOfStockAxis",
     "nsuri": "http://fasb.org/us-gaap/2022",
     "presentation": [
      "http://www.rgare.com//20221220/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stringItemType"
    }
   },
   "unitCount": 0
  }
 },
 "std_ref": {
  "r0": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r1": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r2": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "d1-1",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r3": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13e",
   "Subsection": "4c",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r4": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14d",
   "Subsection": "2b",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r5": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r6": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  }
 },
 "version": "2.2"
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>16
<FILENAME>0001193125-22-309205-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001193125-22-309205-xbrl.zip
M4$L#!!0    ( !&(E%5R"'DAGQ,  .R.   .    9#0S.#$P,60X:RYH=&WM
M/6ESXKBVWZ=J_H.*>7TKJ0J+@6QDN94F=%_>=):"]+MSYTN7L$50M;$\DIW
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M(+$@38^S*0IY(:>9@E$'_PUXX+++D_SOYT7S$][U64 )]I!G?X7\Z2)7%U[
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MFC3^J/_KZO9S@]3O;FZ:[7;S[O9%,)8W >._J>J!*@F$=T"N"_4" 8ZOGD[
M-1KT9 G"'*>'10R529A':Q%FH035QFGSS#!IV?HP/?DEF70TF5A&9*W7R99H
MZM-=ZX:<*Y]ZB1CJ\8#EX8W-P)][EM0'!V>6=WXM[!"E="JJL;SGJ",FXU[C
M>1%!N=S1RRO0RT;X&R10JW'[0%J-^[O6P]O+F_M0JI!Z 0D$:3,;*<X@S*H0
M(8EUN.?LOSV4HDN"'D, 0\D##NT; [M'O4=&KNR 0+%U6JG.AM/:%J!H^B X
M+>8+&9"]^+E!P?1A*B"-)Z@9%3-GOS8[<!>+AGMM/ZT972(F4GR1XX.@YJ =
M"LU[#AT.&97, X"9K>U&L^CET@'!UM-B92=/-BU/RM5-$-RX[B&X@Y#G@[R)
M&]86A:WGQID/,-!\UP(Y!>;;=:19R(N$06D34]YK#"@P/4[ L%H\)4(5:?O,
M1H_-(=PC/%"DW@/?A<E)(;8CX6P2?@%><">'=EQ&;.:Z:/_H75"00?CL4\>)
MGZ.AHJG:PG6IKU@M_C&?0L@XA 895JGT(4)=K12!62O%7AT")LT_SKBS6*E^
MP.ASX$R4/C$9<)NZ$7+-A#-K1OV45^@GACF[R62'\">"7<95?/K(\AW)Z'?<
M$N4.J]$G 02R-.(LO73CXY(4,9$Q:JII.B(3<P&:  C3PF>2=^>8O488-3U;
M2%"$6H?I*$E=A%X@AW7AO$C3H13$H$7 ?"F><%A4=3=<8:R!S[29ER6#F.:G
MZK\*#M?V+0R2/W&701G&R%;U+ZR\99U43V;BZ^^,M@<Z:$;1/UOC:4T<5BMY
MZZA\7*IDV%13:'P-7C_9$*NOJ_,WXF7O:>F #LD=^ &2_"^PL7*X=E=6,DBL
M5P .;) Q2;9O%.O;L,7;+A/NG(&4?0^K@G*/&*;]B1>DV6J31M]WQ1!W#-YX
M2<8%*KD5A='*:-$'?]" ?($3OQ$'8X%JN'(<R92*_OD"-KZUNFH].BJ52/L9
M3&*7#4F+.X\,(*3.I)8XF!T@&(.F#C_OY(-X]E:&I=YC"N8-3I.[]O!:/M_)
M>S"WN,XMVY;QMB1\]P)Z=/_D_CJFY>51I60=+XB)O %S1W-#)_A> MJY3UW2
M&# [#/@3(W==8#6F#@CU' )3)SCW.<&\K?'7R&/_QV\G9>OX3(%D=9G?$QXC
MGA;9!^"^VVZ(+B.A8/W BH'I,WNQD?ROH-Y:R[MW5#G:GR:LM2W(+P)TP#W.
M9DVC\;ARE#\&5W\7W=]>='\196LY:7_7<6CJ@VCR)4>;M",&I,-<\4RX"5)_
M E&VF'CTWHV)J'6YBV3.%=!\P#R'.1B,5[P?N@'UF B5.R0*:$9UAWJ$J('H
M +J,*HWBXW(4"@NA'PF</XS+NL(%(+$=BE6.-IJJS:2DH[6#/YL*[EBC+?5:
M*17FF0XG382;EG.@)GTB,P"&@V::?Z;*X8>S3'=TEC#XM^0!K"I:QJ$7F3[J
MQ?JQ(X3;H;"B = ?PGQZ7*V>3<N+13;OI(E*QA>=O%@?3"1BY"XC?  "T@@A
M?FH?JA4"'57+AQ$13^S\X(;/GG5,ZI]:I%PI%:#B8C-R1]F;I^RVT'E' -P-
M"$*0ANY/3-8C9$#7!AO3-+U0*UA5"JB)%<.(_,=V.V/B7]A;N5HJF![W4Y;#
MCD^VS"?WDJ'TQT1VG>J!*EZ"<;ZZ8?@WXI>%Q M8R]LIM,5,L4AO+,%C3KZ\
MU]G?+)>9/G=\]G[XK*E4R.2.V]Z8VRHL7]VS-\MM49]+<]N&@QR@[4?FJ/&Y
MF 2OS9^92X6R(7;$8+JS_2YKF4SCM]UUUR#NMMVWM!6W1!!EQFPSF.=-H_\/
M>+07F8!1NT=L/ NQK7V9=9'XQKLW#Y(B][[YODU[V(>B/;6U?;0?=+WBC#1-
MX"Q2;V^^>L(C( L HI&F&E>8[S:Y:&;@P6C?H57N:*&RHF'WLI.MYA71[PZ(
M3R5YHF[(R/^4"J6I0]QOEAPS"W612#$<O56\M3Y?O7OLQ(05FZ9K7-WP(B1-
M>1PH1.(=4&2V_PCYW9!>8CYG(G7'UZ]T7AG;?EAB:W!1!3U^_D'D8PC&L\$(
M D32$)$12,0!<8- O7M^>F5I\^+5;/WY\=WC<#LRZ:6HW$FN;4BN=<_&ZW8?
MB!$Z6K3HMHL$3$;*ZCMCCFT(F'61WOISZI:F=X>_+0J7-=&X6<&RC=A@TW,P
M7LI(9TALG3("/7X''XSIU.6)/ VN"%@*@#<<])$\2O$<]##LZF/N!@5>9%WN
MF>-,9E^\=$BFCT..3D%6R!X2S_&9WAN/*\,P@!L?#T)A%O62L=MR)Y]L1BYW
M!'-QIS%T&,>=ZC\%YF2,=./KM"!QL!$MR6>](G6S(%O:0C#<;_XVLDGCM;$3
M09:&I-F=0ZJ8L)=)]WPJ-:D'5,U<9J/2\82.EH>*Z5J V2@!"F\YY#JWR=P?
M@IC48[E#'/R9P]#((1Z #"62/7$%[8!7J&?CYCNU;3Q,A)7QOD.'2D>9U"=G
M;JB^LD>34'V:P@L;C-G_[:X9,;EW40;>K[^ QLJD3-:?(DQ\E3+P.@S6&0P\
M]YD.5<Z<-L6;(A-CT!:ND+7?3O5_9_&$_,'8OF4Q F)^=N-F[X[Y]9>IG=F/
M=ZWK1BM?O_ORY>J^W:C%/][WSJQE9>Z[$OT3"&EZ0W'Z]%43+ %#'8>%4J60
M<50LW=M;;9/.BYZ::2:79RH4%%<(GLMTPO78B1^40!^'+GU69WC>&"4&J&MS
M-23!NR')*EN41YN0WW>1/,L^WX_2&E699T2?$:<H\5"<IE0\9HXG0G!TN&>5
M;*;3Z9W?!3;$ 9H]M&\4 >@-*G4:>.AQO&D9\ZJD&(".T1)]#SO$-/)RZ>QK
M4N->UT H=9%UMJ^G0B-E NH>%0:J#B/H.WKQS&ERX!#0ZY[-"*C^T,>75UHM
MTX/4J@-HZ:$C^R >[4#W^E$ B-C^FDM M)#CX.KB!+X(DGIL^3G"QT$TV)AN
M_(0/$5+P)5C*@08C@CW=\U6J7BNN9PAT!"'K=G'UGX!6^WWF8#*S.RS 7 7F
M%D>V*B!>F<G0$2N8EGIHLZ,]>[C:Y'T!&TQ\^3'%Z^'BQ)?*$@)8K^/1[#ZR
MA7C&R*\JB)=<@RFYV_!ZF@.![FV&9K9+^@PE!;>-4') MKH"&!4MR[]"X"]#
MFAEB3?6H9#T0[T#0GNBCNZES68#AG(0O^]1A68VIYX5H3,*0"F^6T( PM"IU
M!ZF^5>K(RH%N+,* N+S/ SU@;;$.^.EYPRHM9H[R3\\<5XXY%I6F?)##-- .
M49K<5=@!\@M,[1'MH]?%@;OZ]#O3W?B@3* 34TBUK1.'*U1HC[.0.:.BZRB3
M\ZSU,2ISX!\5^OKBHQ1SF8$9FDV14@&K(:7JDC-@23WH![TWZ6@9D-@F6>K]
M;,=5.Z[:"%?572IY5P<7-"_Q[A0[1=$#%?-/.H@PBT"-Z@@["G@56,P=$L8U
M&^SQ?8,9[*R+[),V_S0(4[SG">*"=;8=+A0(8PSD%"A=RET]O(G)C+AT3!U'
M1FT68K15Z9DYID33,W==TF&HX(WI']F5,/4G@5= I)LP;2'X0AE;= I(W9FP
MP=O8R8F=G-B,G-!'W)U$3&BG69_R16)/F&>,+%-&XF*5/-0Q43:P&89!QWH?
MF:O =\ C<1 U D/"\Q.*H\A"G310SS0C[?A@QP>;X(.6EO,)'R0$G[" MBZ!
M+ON*N4\82WH"E:&I T/YD5H$7D!B1G4F,2"CXIA"%#LQ1YC- YY%P+.C6@D(
M5,<<_D:ZU\5#=TCQB5[%0Z9[5FF?.'2H4L>?L;837<N)G0-5*.%IP%!WX26=
MJ"$Q$$VZ4O07@F,N6!CI2JQ?*9V#$IYFJ>/##]E;M$'OO @M+A':\9G-X&;D
M>I/7J<T45'V3:X";BY&(,6?*1S*CL),#NTC-YL0 F[255:2LP#(44F\-1D]J
M=$XV-E@UDQFK5.$^?MQ#M"](4_%>HK=_TB:LCCL?C,Q/_9QNT6$X%CJX$D.H
MR-6@7-U08>03^T\+G)V9N&.+37J3(\I*_"L:!CV!.3=(W^!,0AM41EJ'B>AF
M+"32M!\3AQP/(HF/5B+(\AYSM8'99]3$,\'M0A]I[-#>SNK;D?7&R/H&;;HG
M(&T1QH&$T$=C*AW])@&S>TA^[@$!XT.?.>%1$-T6'J;$8"VS\:>6L$32*03E
M36R./NC[<"1[%#H]).Q#A\E%.>MM=!%'F, 01H5T\,786SH\P@(3!P)[[*\0
M\)F^GQJOQ),,Q$$'3='H@W>Q[9>TUM]9B@^0SH8B%A @.O"6(*R$>ZP]W@$[
MNU*P"!JVT+?>592XXY':S\0R "H-1V'V]IVU_OW0/[2<V&QZQ*D^-/2#9D=\
M2I*MDMS/.&5 4]R*O+V1O(<]9W\\,4%#[3 [2M6HZ30$S(;*7<9@1@LPC]C+
MKWTL>S/,L,2Q;$R,BHYF1S\<LT+QT]S,Y+/1[0TS5=QI9<N'J)<^ !WS5<;]
M=DNQSQ+G4DG\C6'SR>9\!XRZ[QL_TQE1[GE'DN+EK2BL<S!WIK&SUGGRC>-/
M<T\>N>5%V,,OG"A;<C^^*GI$F"-.R&#X:2J++S_$D@RLI8K12T6)<I$K;_D2
M_VD=D;EN8 F\%K68\P:4F,\..]7*B56R'#:H6(5>T,=XP=+Y5?.LK52&V%@R
MU*S/V="9Z_"SK+E5JK[JFM<%O"7W,$-811!2U.267=. $GT7]Y[)A0^,4=K4
MXI'@)^WWTRR9F CX<Y14K#GUY\TL?M/O[;2;GV^O'KZV&G.^_;,9O^Q^8D,]
M:R]Y8?)HQFD#)W0Q&A@JO:7&\=*>E(N&(1@H$,8?Z[ >=;NQQZ>MQ:@"^D>A
MAU$;["Z*X_PWCJ7_W>S&3$MQG*BKA[&AMXKM./<"GNI*/<Z[R6?SH!V.F;73
MUL,VI/N<>:]ZDG#;/8\T9&7]>UI6EV@+OG'VDNM9U@%F_)-JLZ]A6<8L0>DR
MSR[1Y=.&R6O5?2.#)R9'_#QB;:8!^..PB[:F/@YKKP?S:O2^X!C8BBJ^J(KD
M03@.J1?(%RK5I%.V$ZGOH^?)-=JMS_OJN<T\S!$9?>WC_S!][!X<88Y?V=%>
M<;W'69>,HK3F@R!R67?KO-@1SA#>@./N7OX_4$L#!!0    ( !&(E%5?F[2L
M5WD  ,I5 @ 0    9#0S.#$P,61E>#,Q+FAT;>V]:W/;1I<N^EU5^@^H=]?L
MDDXQBF4[5V=2I=C*1/LD=L:7]]USOH$D*"$F 0X 2M;\^K.NW:L;#9"2+XRK
MO/?,Q))(H*_K^JQG_?3;ZS]^__FGW\[/GOU\>/#3ZXO7OY__?/Y_OWIT<OK3
MU_P3_/IK^7OVTR\OGOU7]LM_/'WQ^XN7__Z/?_UV\?K\'S]GAP?PH:=%U17-
MSS\]N_AG]NKU?_U^_N__N"GGW=6/WY]\4U;_R/)E>5G]^S^6Q:+[!SWK3_W8
M*F\NR^JKKE[_^&#=/<GDYVG==?6*?[6HJ^ZKMOR?XL=3__,B7Y7+VQ]?EZNB
MS9X7-]G+>I7#F\Y^O_B/Y__^CZ:\O()7_?3+S^?OKLIIV64PJ^RGKW_Y^:>O
M_\1II09P^O #CF!&2T)#>'E^\?S5FY=GSY^>9__Q\L6;/[,7OV9G?YR_O'AZ
M-LDNGC]]\?+/%R_/7I\_V]<(83#/G\'KSYX_RUZ>OWI-8_GEOWX_^]>K;4/Z
MD+MF1G3^ZZ_G3U]?_/,\.WN%R_7L_.GY'[^<O_S?U;1=/WGX8)(]?/#PX=;U
M^O[CC.X5CNW%\^SB!,;VZ\73\ZW+-+AS7?&N^ZJLYO#P'Q__V]U&]O/+HJS:
M39-7LR+[CZ;>K+-ZD9VMBJ:<Y7"RJEG=K.LF[XIY=M1=%=G__E^GC[][\E1^
M6]85_N+[)\<PL-OL*K\NLG8SN\K<U^!QBW(&[RQ*^'J3E556-UF]Z=IRCG_,
M_BC;MMXTY23+V\,#?,4O==[,\4_/RJ:8=773TL,73;W*.AA_UM7\WWR]KLNJ
MF^ 3\S;#[TXW;5D5;8M?QY_-0.DA3?'?&WCJ2?;:S67=E-6L7.=+GHD,F#X]
M+;)YT8+@H?E/;[.!X4TW'?UI6<_X58FWP\1UJEE[E2^7L"\P[.7R\&"]@8^U
ML$;TOF(%[X(IP@_P'7S,K.QN<8ZS>E/!O^"W-U<E+++?CZ:X+%LX6L4\G$2)
M2P=+!/];S'G2_J/Z(1X-O1M^O\*/)A9[>/9Y-<_*KLU*/($XU#4L!\QX42Z+
M[ :VG;X(F]74L-;^3!P>R#*]ZOB7;H%.,KP':1G_\/%'OI!P(U_]=O;R_+<7
MOS\[?[FG:VD&]/#D](0' ?_SYN>SJMKDR^R/HNC*ZO*GK]_\C'_CO<WY;RO^
MFYY"V-^FN*J7\P(VRVWV5;&<XR[A)Q:PZ+!-_RKF<'?F.1VQ/_@_13Z[.CRX
M+?)FDI6+K*J[+,^6Q26\!AY9PH<G?  6_=_#HRM]106KD>&C$T_@P>,?%^4[
M/'QPUKO^=.1&SJ[RZA(^!8/+J]N,AS;%J]W6RXV]?OVS.L'CG,,04!31&),3
MZJYRNM"'!XGCCC>TM<=Y(O<?+MNZOD$9!\N\F?X%GZ?7K==+$*93N S+<E5V
M) Y(0"WSFY/L3+[J9EFLIKA1@W/P6U@LX3<L+$#HS@K\YQ4($A /^'_Q,L-
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MXZ_6^67QU;0I\K=?L6GP8[Z\R6];C-?\]-O+[-7%_P<RY-$_])$4!OKQ?_U
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MNLD2XF=%(9<-]1,=;[)N./\1ZBA\(0MDM"2KZWIY[=2RN$'^G-2H>-'II(-
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MN>Q%4WV8U,"BEMK\>1+ ]:5\996_=1)1)V3AP!Q,ONVY<YMU;>HW4>@MR[W
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M8;4]IA=[]Q5Q&PP38(DJ&*/8?ECL7-5#ZT;9PO[B)7V?8"7U8'M;IK]E]UD
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MO$_T[) 6FXP8UG=A0"$=XF=S/.F-3,UTT,N>'D:DIT5_!P+0DU4@J4A\]/(
M 6X: ],3J3@"@TJ>\2JVV8)XTD4E32IZ/!GCNQWFKF)( 2G.PP/E\7(-8-6,
MS'M-]ERC'+ATN?18CBL0[1LQ\:@/"_K!^9Z9KLMO B')1OE0AS>C0%+?[7QK
MQ=[?<B+8D09.(X&+B3D$9FW6W Z]UP%SK%E>3LW=Z#KA/N$#-!&$ ]CE*>-C
MW4<TY/''D[K9-J%[>/ !I6YX4?B>$^##=OX.6?=Z=,>$P%/&K:'"LQ&0FP&V
MI3"&!LUBV,_OO;B[R\^$N3GQ]B9UIL-8=2ONB*>Y%.?)C4(F$K)T-V9%!F!^
M3$;>,?:]DL;VPEPL\MB;C\&NV!1K'69LO3)J!;";X)+KB=N/I[>^3L6B3JAF
M[TK <A_PA:F7]5@9<4VX3;TA+/#$\9$QT-4N5U R?QA+-[_,)4O"X6(PQT,!
M&]5Y6 @7:4V&(Q<A_O5^4-#OM^#X?+@>PXU\?(04K;:TIC([6Q2'7W,T&G$K
M1R+F<T%NCI\*7ZU27?&(X$I%5)Q\=]Q]"WI*?KB)OX\E:\.HE3_(@93PQA>U
MCV\V0C=.W.-QGI$.T"7A3*,$)-U]/#\33@4Q3@]3+VAB@5W7%II>H-I_Q6[U
M*]^'SE6"'S8 6LZ#!),O*I%3K'2#9A4/#P;%]PC2JA>@-NJ*V=VR&\XF5X)5
M:16H)T&5V!#<_; \/IH=W_NB[,-"^:9OH<#H^"3ZGG">SA0LKN8V/J../M,>
M.$.=&I9G2J C3.R"$PD'NL>0/09+$AE@.?FB(WA?T/O1U&VBY[\+;IE6WMRC
MI+27KM'.&HB=0@518?I:./B//%RL0R>F[3N4CM[S/N6MKP8A:"/PO?>=-"+5
MLF5=71*=@RM.'Z\,9IB)+[(8PNPDV%\=-#QBV/XDJT9AS0_QIF-+<^R-[IY-
M=R=Y=?K#1%_5*4UUO\6:\_H=\U;)ZA7]]%8WS@-]D[B9H_;X?4[09QO$/'WP
M)8IYOY4,I0;'&JKA%FZ!>!@"4J@]52,U?W;4#TR!]L^)*N%](U0!9.[X)'NS
M]L"F@3:-M^\MC>2^"D>%K$OPEC!7F6E2<FM6:^=P9S#O23:O9T0!I2EK!Q+#
MDK 6U[IN;A,CA4FLR-X5X-I^U-P.)4XC AOS?:LBX7??449C&O_1%KN2074?
MY/QPXGG1.Z)J^/MTN>_9Z,I ;FK,D:6.$TQZ6LSP&L+*WX34Y/NP74"ZW&M7
M[VF\A$7A[Z\/[?031L_=)AJRDGQ*!^1;(N1V,$WQU;9GZI.E/0:LPCF:JJHW
ML"06GD+X/0*/YL1T;FH+')Y!>**&7C-:NU2^(T65ZK"X#P?ON^/L&>(#"$O:
M?OHF'EA!^%K*V<$89K?)%<%*,2<NF/Q%"V+E+Z[]Q:K(*RK]S34RH6!D=ASA
M"NQXBQY.OWJX399^^GV:^F62I4@R*<JRX&JT'$19LYZ]H9)I(OJK0/=WU'6Q
MY=Z/MQ,)IB%/%)9-L2[F:!#F?TH85-[P;PX/A(@04T_-K&0R2'YJRQ %N!W+
MXK*00JRBZQ1 D=_J=5T5N)QEN^**.?B.8\Z8:S#Y+B2ZGB!1>"B5:YK(1>NE
M]%BB;)M'\3K*REU>%QDNC-AP6X#?NZW@8W"5;7DZGE"U'&'*B$^!+[7P*0YN
MDJY Z<5@;J%LO,O47?,ESW7LQP4[>Y.O/:<!9<1R1R?B'V_^@(@A*<A%^(EF
MZT WHVJ:";^J%-[#7-Y*I1]A,UL0PARK )NY8PY6L=Z0?9<97W=<\:&JE?G&
M==#QQGBPGTQY^1[K<7@0+$C9VNZ$4Y.V,84'".N5$:#KBWFII6DO=+?9*O-<
MS4U>!.:NU]P36Q, F.+^+OW0^C"VN7P2J#5DQ?T!2;.8-#)!^ .[J%!WEK=7
M?CVY 0U*%/T5EKVP;Z;%1A(K( @<3Q*?V:OP=]X3^9MTE7&M[;8P&+28LZQ9
MP16Z9&"@.:T%IV#T4 RLX>$!+>(>]-^L)]@'Z%Q8IGNNP:LD=^58V; K;B*0
M.=YM5UA[U_8DINYAIQ)MSEOE <-3P,'1.73&UJKE[2_$(+^C+\1A>TIHED*3
MPP,.21-^$!0$-F;E1H3X\0'43<G]KB:>L#"BXS6$'>[ Q:]VS1$42X$0RF>6
MC:LS7%JDTV!\JR2XH_=LK4'AG2X; S4&:W> 6H1 GSU.D<\7%GAZ^B6B]@%9
M1B+I%#4)Z!F<AE-ZI.4"%BMXNIU(683.>E/ A0?3B0U-M46WVO%M_14V?R[F
M:LOS\-G0G8*I0B5?ZF!8GNM@V$5U"=L_I^3[*,E]OWD*F06<)B1<$BDBBO>[
MOJQ(_TKJ*T?&[;8+U-BR)@@%U@N0 1:H-;2[X+HOK%5E%O%XQ.IPFB.IYZ>W
M"D^3G'#[UIDJ8J>S)]0R+36M18(5GNRQF@4VMB;$B4\&B'3C:.U]!FX:WKK,
MGT&>#>\>F:;OU<8F9L+G54(C$*U!VO'[S.C3&R,__?+SJ_.GKR]>/,\>GIP^
MA &\^?E%<PF.VO_0B'[Z^LW/.*I??MY+[ZX_V #PIG/8=7VJW0@1HX#Q;8VB
M7^4E-DK0)4[5I#IK@+Q$T^XOG[9DYKMGE068R>>NQN>%0CIW>4*.5R<8BRLF
MX9/K_NQ@GY6^@9HGC!3!HQVAWV+_C7QIKI1*O7.X1)>A%BZ,:^9$O+%V4O#4
ML[8MR=E+?B->!8>2):.&;@O_;!I)7A=AV9 $_>".EBB2Y4>N FQCQB)+;?ZV
M*-:$'%7J=0FT(DT+'22)^>TQH,.K[PYPCT/%):=;+O7T>$<-1IHFLJNA"P(+
M578N^U.L;#/:D\,# WPR[XL!EO;Z^/-^ERUTT3KV6*D.T/7]9$[[:S!I^0\<
MWPUOB<#C*<)GACH)QHG?IDV>;QJ%B-39O,ZXW!UKFF88O6C1"^ 7_+697]H:
MKZT3FC"J4NMT)T%W7XV'524^4O>)7>/!GK^C)'U@A\ 5FR[+]HK/-A@,137/
M2><WTF' I5.BLKN)WT^*YNC"X,=68'9TTNR#'Q2AI!6^UN:+HI-+A@:-0.4G
M9I!4?(\!MA(+(36<%?0;Z.I>2C"\G+%$8R\FQM%+EU7'B:I9%8<VMSY42W#U
MNQQ3QLY1G68'JMS-#>;K<Y%N@5Q])F4*%N4[PVBFN82P_C5:,O==>'?=20#4
M-+MMY#%=*Q1PO,!,A&FS(*$ 9(C0X8&(^>V3KYW&1$^1*LZN"\YDD^^^RO_B
MFQH:+JYL@DFMPDL2B!#]HIB%^#Z:,G\T!.5MN0Z*YG9M'R5X@*.E;D78UXN?
MKJ+J[]>O.(#GRZU\[W[#8&_N(+T^31]S&JRKR5J0V'6)"$\11"NH[:C#VR44
M<A(@J@VV'+N/<R-E%*M+W.[A5N5$.;NC:(=1$X]06Z>'./%UHHEA!35.&JQD
MT*S'P9]D;[@G<@^Z'(69C7W6#(^>I9M;]4$K(!A;5&&-;=Q2>6(Q/18H=^#\
M$E2CN?4']C,.$SW\$B;Z*'[C(W$1X7_>_/PJH&/XSY#@]66/X/7PX$Q#,>AL
MRG/X@:^%U@:YQ)8J\'/%2XQ0Y>] B186[RE ZBAQ(9RV'B RO2>)Z;'C\^^Q
M38Q12Z3,IHA;UU4((A0'N1("EMWL2#01-25B=1I^P#C74E31H\6@KN_Z>,&P
M'2<Q>--\]O82Y#0Q@,Q=7ZF9LP]LL:#:GN9+0=K ]YL@M^DVCN6/QWQ,D+]L
MA4*+P_O,3])?N%$^XL0Z#JT<E=Z-+IU'/LD<7=J'B)XZ5\Q()Q'I)_2H$QDG
MBWB>B%"A&XL"*?;P6&Z[%?99<*2(1AJMSUO'6Y,,]69:<N-0DTQ,3OM])5J;
M.28\79:+O;;MILDYK\J*MK?)7&UV5=^$X;URX:E5MUYWFIED3]G E?Z6\'KR
MW_0*6(HA(9[A!8'1>R[T!#P14XJ6:<C1$W*I7<WHL :SR :%OG8)/TS;Y4*9
MZ"#==YYE^KF+$JRU$D_?'*1)(1R(%L))Q5(N@W;7,W=X\#<Y=.D#--PO+!F(
M3C0$M4T+*)51KJ8@X]U(4(^N*B_74MTB9#WPS*>4U.AQ0U\ $Q(N#WFW8Z$T
MF32LP"T1V==1J*0C-3^VE8<'YE6T<4V!$87DDUWWD> LXIJ";,3\[BQ?YS/U
MJ-"%XX2LB/QMPGZ;3 ^+CYDE!UE4W*K.9(T*J0++B?L3]FT!GR3?1GM'3:C6
M;L$<5?E2ARRM%UT^QO\._ #NLD$H4 E47&Y*M!6J@6Q&D!=&UX$" ,*02CY-
ML-'V!%1S3PJ)#9?&JO3"=H02.@OK]EIO9)V@J;S/G,1CRDG\24-DYKI]YB1.
MC[-_7155H1YD ATAP-_6Q:BV52:8,L@D!7^*Q5UP.XYU(?X:&R):U.FR5.$^
MS[&913G=: #%W;Z!F3EFB&@X##'QE$7$Q$X$&U38RH:2E,>I#WKA/Z\E;_$Z
M!5Q_O/6'!^?J# 1@[U[;>H%P2 22N<FMK" RT5&M1/BEJQIL0C0!D7Z)]JR-
M=2);>KH,E=+U6[+D1+'B8[LH0X2,NC"(VZ'P%)ZJRI6UT=YNK\=5:N28ZCTU
M*N9*=&:XOHL=+T\W>@1'LC]TUV/,\Q]XH-X@Z21KC<(PT JI=EP?04\17XH.
MO*^()A46BGOE4S!I @X'IDZ@M]M]E[RH1PYC9"K=YW#>;L'DU\E#.M:3JHO
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M:\W4A@BXPS 3IZ0'FJ.ZLBI?0<5*E[.BD>I\<GAP-%,F;3 O-VU7STMOCGG
M,B?(@AFW1;Y,V4FD'G4&8Q\LN;W"._'RB/9N)O8-B7GK$K#!0WS=V,DR]3SF
MJ2NI> X#!FW<MY9CV;H&L.!S>P!R!R+V"74!<2BDQ?0;0D%GF0KBAD3P]$*W
M$^-Y;H>\F+N+@=B1!X<].ECK\'+$8<C0, W*!8;*&&&<"P4>X'/40IK!6"Z=
M=I<6/9@[7J#$'H"SL)UU="D/- ;7G4PM?U,'32W6FN-*)F,=P[#U.RD9!1$8
M2XX5NO%U]QI@_2&6>2[M%5%YNM_WA![MMNPR.89T^6^-_> 0IM+/C?#WFTJD
M0 N7$_SZ,GE@C3#3 AO\#HHNK<=K!0Q3%;=X407/DM\26$^.A+W=9%90!+#>
M8/VI9Q44\!]3LC >F,%G_.RHJ44_F\@G;)I7;S$VW, Z4"%07I4,"=$6,_3\
MO)$3."#TR>,D.T\NPVS\,LB(MMX)OY'#=P)6"*[Y#I?BCA;7Q:)7FC\45H_.
M&^]X#@*C4HT'9RD'6;C8+*E!N!,SE!/151!QNEFQ\>M@G_CH[I9[$<&__%8D
M26LC:-">[VS(V? J7])1"FV45GZKQ\*EDPVN*&8[E2T?01I1$444L6<_]9IK
MB^AQKJI+EAJ'<LMZA/LQ2C?B?";-GCFH2,$?@S&_8[SN8\-5_GF2/3U_^?KB
MUXNG9Z_/7V6_O@#+^+>SE_#/U[^=7[S,7K\\>_[JU_.7>\>R?!-B65Z1RGUJ
M;(3HJ P9"S90(A%?OK?6WK -6;1= )H(^2B!J7PG,B[H6QS1:52F4;D;=T^G
MVUHT:47ABE9IMF[DF\H,5KN_A!7C^O9$\94L333]W"Z J7\]/+"_+[& %DEF
MYP0 [BLB CJC1'+=Q-A4K%V)(9=VV3&.",V"8'?:Q'(A"S&Z<Y2;YLIVXFGL
M/R2Y? 9:K5S&A CE(()]A^L?QEH*$3S7N\0Z;R/V83(K\!!DM6\7>5/Y1UF#
MNM_?=:*1/.W)(\'B)/-DC&$A&^:V%_&U%A'%?[$@5%!"0638_]I\8<C9R0.J
MC0%_1RNB-)^F:'+8ONJRR:\Y9+EN,%D[=YQ)T=EDGNC&+TSNK7()GW:N06L<
M1J4 %AA> 2T^/8,]GR9OHJ_'#/[AMWWTG,-?U#6TZ@U;C1 #H'>?GV2U P&D
MEX&CU#:Y/HFF/.%B$YT!@IBOL)&*CP-SM^/$ZSV])T&2YZGA&R=K5N0>2N^3
MD%L&9-#[T6ZB1U<(DVJ\8I3EAS\LF>M-/IOJ3^4/'IBXAP>>E$5:5[@&P\1-
MM^NH11/,!8%-K_^,@V\_? F^?0R3)<1VZ7E"'Q[UV)#%PDJN+R*5%$\+5>!9
MY [6E79K0P'$T0>Y"!J*TR05J!'?!9$_4S;]0)"TV2/C!%-82Z]RB8<$C(TW
M%!XW4TKJ5++2D5S>!G-\ =*H*2'C<W2?MVX6\EG?US@5CB$\31B2P5\ML?6O
MQ#"TQ,6V8MT.VY5\")7T$9@9/FT(41#,41 8A#P+.!F)R=-,I,&>R*Z8_?_P
M8,!.<9,RM6!S>PJ4T@>70S^KL4-M%(,^"QR>6V7C28<53K+S1"<KG^!TX5JU
M6.#Y-D*<J% 9-,<+WT$"#"_$2)D3C,_P50BN"W(6A 5EWUO-0:%]67!;4'=T
M-%+C&@(3D(!CQ6"?$86L)2":@D6AO3;JRPJN![V=+@68)N#VT]IY5!":=.4J
MXV(KVVK3AT#MJ*418MYPUUZ3<=>V]UP35C=<E]D)K.36*EXE2W5C</SN4J7S
M.GV>(_HR;C%), <'2U':)==QDNM%F.<$4=J<+..B4HTH%,0!5,Q+BN/6>(Q=
MZPTZ[%:Y<M"9]:KS$;;*PKU&*[Z)^FTMZU; MD[&_^($SJ_E._GC2SK AP?/
MX%)LI35([@W2#6!3;,[#;HLW"R>3M"/%XX/8!@;Y?O> ^9N#ZANU9B+Z5)O4
M<>1E]%E\P3J_]<!'D(\E2H1JWOL@A]AA4K4#2BK&T'Z24KGD'U]A)U='SMNT
M8F3#'.0O45_6RYH[5K.%1^)T618;^AROFVNU$*S<8%&)*Y7"K.\UTQ>I%'+3
MIX$7VJ;$PZ8C3(Z1;@$CLV^8$]'6TC6L;D/"%6KVU(&,+RS_"RU@D>@+-+ U
M"NT9V@O[*$<D@?,4I*J!JFDL@W9D0L5ULE63]%XAZQP^]\.=/Y:?NYW![&,=
M037-$F?0=QDG#1TY]LROBTHA^*51=U6P-/88LS*)#S,J 2WA]$>UK3DVF@AS
MV!,S>#1MO;J>35!7.Q[.])F4\F*[5W?_'(>3AK;4'.#6D1.UODX6MX7]:Z)/
M#@)75"UD#%QG=<!N;RE<-]45\<;)AV/AW?1VC$/9B%5#!ZI5'OP!636O"R8W
M']8/#37IV%V"!2<2'.?M$FSTVM[G\(L-R'.J#<>WK/_#!^#;SRGT"L?!A1MU
MS?'?O6+OG22Q^28SO9)AO4T>AZ\T964Y\8P'LLX5[0MAF%96UXNHFMU=NL9A
M]SBAIRP,:<_)9,_&%Y?S)%>V)%_D>$7]4=]CWQ*/SOR3AWO'A1NPDRH,%^OS
MC<0\>O E$O,!#7:M<F93G?_#V_I-6#GR>XV9@E==O<3>*<\0"%C?<GCTCTU7
M+M$#/SP8SC=Y-]6KB3'_18'HAF0/K_VB'[\D;"YB?H)PI'/!.!X9%NJ0AUJW
M;-DN.F(-ZIJ-JU=:\8R,J ]"%"[6(_(4C)M\5?2)[%!QDCL'2B6*<W#E7B)\
M01$HI>4@&\M\J6.:$HH'^X!NZ5H88CH56X=Z_D<*3B]I[UK:.Z9GT-V+:JIB
MXU[2]ARENJE\#H.>"--./#*:I/NJINI2X3(<+J7Z>WO+J7_J?J3I?/IAY]22
M P#DJ>S_* Y^42)8!<E)6\Q:UUBDC[$792%\_Z-('1C;3M.=C&E=EH)MSBR?
M/.9"&P(9RW<H>D(-+?40B-<2)W1L5+YFV-_&*P0],.8ZN/W<V,XQ89Y3=M9B
MRG8_X^-4A:[]O+ Y(LP#MXNKSA;4LZ;6>Z49W9VOEY@<ZTV#(R>D#)]("]9D
M*" =]/RF=?4R_?;-I75?*,I(,"171GNV^\!DG^5::_TAWT"UMNDRH/=UIWK5
MLN/J+:I00?[_&JSAT6Z,6I=!"5Y\\0M?9?%BA%J!LVP^'M,&P3*\<%@_E!,A
ML38Q"\KM1.GL 44QI@B_268ISOS=?NGN]D[-+AU7A8'WZJT%:YJ?BS=,7S5;
M%HU$R^QWO$@)<\-I+)H)P8)DPS)0*HMEKA\*4BYK/I$[]B-\(F<%GB;4NY8_
MD_O0C@I"&X!OGW"IJ*H<BJ>2;1"H7LJ=YGPW3=9XD4AD-V%BVKR*$]>P%#P#
MYKXTT=M)$+JE=+)0_[3"*(07,GV-+7N@(2]A-!^^S<=,?-VW( Y');<9_UAL
M]Z,#HBY.LE\O7CT]^SW[K_.S/<&>\&X91I,Q%-,EP>CIS\S\@-XP?/[_Y-5&
M(<(4\N//P,%OD%/-?O09N,[<8TC(5)A%99^HM O8!7 H+IZ=/W^V)QJE,17>
MJ^&9N.;5:G'&=O(Z]V%)"E\0_]:F<]$F;QZ3'TOD%1[,Q,%SC-&T6J?*94AM
MD(/#>C\=@;)$[_<VX4X^??'RSQ<OSUZ?9Z_.X5[]S;;3P?9R4]!!("5;18")
MW;*9$2U168E]'C*9@*X1-'PG_2MQ&PRP.D0;Z3ZUJG>0<[7_YQLL+)EDZ%Y\
M]^2I&^ K&. )_O+[)XP>*"R]@S9[#]+BAJ7HLXV.G'Z)CGQXRKK_>Y+]Z^SB
MG^<OLQ>_9L]?O+YX>KZ?2_HO86\A0]NWDW7H>D:6!<2J%B.)?MU(MPKO]?3*
MP%I;"$:?8X';KQ=SW/OZP?0#[TPB/O&,L)W'ZF!PF)1#@/3T"!Z%K-@(JJ&]
M':>4Y991'5EWG31H,A C:5N+:W^=+TW5A;3.4AN87[5/+0/G]^P/L!3@?U_O
MSUKP9TA#&DOJN $[NT*0TUP0A&O&PRHX*/H. J4'F,!IEYL=V%+!H;]+ZUE?
MW9+J--49%%D PDD8+T'@,!R_EE@GOH7)L7Q==OER.%K:84JVER>0BJ'EK6N6
M:[G+3(@ /LUM@R_Y.E!+/DS'+0N&8,<M"*N:-R;>%[Q O)M4;JZ=@=,-.'R#
M3@DG/:V].TJA,.G0D70_[Q<H^%!7BLRVYZ]>OWQ#OWB2/3O_]>+Y!?[[U9/L
M#_"0SG___>SY^8LWKT[V5QLR'-4X/0WK16CI)>('DT&GGNUG']%XX]FI,8R#
MK'BB>0SXC<$B<O"PVZL*_HEGTIV9=TFNSKU.3;.@A\M."N/W4&$XT NHC$H'
M'00UNZ @4UM\+LM5Z;CF91Y.QMC.DQ,)0E3,Q:E]:(E=%%/@I(F6&^HR[_\=
M?RYX"'^0>L2Q/<OZ2\Q8]Q4,71AKW'&)9A0.X0K!5GEAV%MJP3+',,UEP57.
M]NV+8H5]\=P?\5O7:%I@OC67LADEL6@W4_MO=-FDM3M>DFI&()<E,X>!_KUJ
M&*P9&A'D.$A_16Y8)WO38R>T;5[ZX4(\Q"9/RMQLW N1P^.1T*$D*?8+G1&>
M,[1*R.!H(L$4EP>!4%O6W)"*NLX$CS@\2#S#\3)B]T$*(1#TA9MKF\<S[!Z_
M"=9$.2\Y4Z&C+?4,&@!DW70I$XT"OKRJS,6GOK>([G GZLUR;DO 18Y36(2*
MUK=M/%A$NO-9;^,=QJ5L#%]Z'9<"TJ1,8%->U-JWML%K6W_@6GUOZU^,M1&T
M?)@H6U* _V\75X;#^S"D G-'Z4PX5)C2YL_@F(*8,^1]S/CI2%DF++YR^4'$
M,W$B,$S#L54-V??V,O&-Q%Q#6R]R+FFO6ZKH)H10NX'324\7N9P'XV;VN?B*
MF?NG/&Y"-"-=[=2\]]&#*9/!W5(L>UEJL53IR6;<HWIW$M^)2'%NN*I=&I<E
M9:U\/,">D3T9Z1P)>O[ZY8O?N<0T.WOZGV\N7K%-L1\;(I"VC[XY/7G\X+N=
M/;C?>QY<ZXS#/LO/45,LI<E+[6CFR *&DSN#<]RR@7#<%\KQ%S+[^1 NO<V0
M_HQ#/P^_A'X^QJ7$?,>+EV_^H-+OLV?_Y\TS+ 7'/[[XE6K#SRZ>9\\N7OWY
M!NO#]W)+C6%N[Y]KZFX")2HGK1^(O6G0%:_8L5U@-PVNSN30ZPQN;^>2@_"P
M5]U)]GL--PQ>MZF0A,W?<<6QOP%['CY-7EL+KB;K*/P"/$M1E><Y\N54_L^!
MN%#I[%K_H1+ 8A%M 8B(S*YSD7TQR&OIUE6\ QNW=3.BESKZ$J9=:\IKGG/N
MH#\>!I!-&VP.W8VR!DT\4PD#?L6I(;0&>_D"[%AD>)FXQ4.>+<KY9E:BK3K?
MH&%W(S$- F>S6XY()9=U9[VMM;/)"$ ?Y>C!E*F2^0!]ZGA&R$0>FH1B3_HO
MDLJ<A2 V/!&.0PO$<T!*JI(0OQ:+@4]Q^OO^FB:.1(;VL2-NNN=D,S_7PX,=
M)\M^J(]14N43&DK*F#JO9W 'I .1(W\R(^QJ_M*Z*9#5#S4?UG[#L>:N2(ZH
M)'(B^G'9R%N0K"9A6#B]O13:*HV.V@Z]N-?FDH 0F%)5,PF<U8HCMQ.I="/,
ME"D"8ZB-6Y[+!JO'VLE/K]XX:>DEWW??@"#$*F8P%Y=?D3KX$80HZ(^?OH8O
M_$R5:7;T$]/;PRR<WF.*&4[A+,$N8>0O0+0-W9#VB:>Z.#QPV"2&+(=\DEH%
M(/(RG[UML[_@.+;S4I9.0_?A>AJ9LX,(&_RNZ4#C1#=\8%',F9$KEN(#F X!
M2"UJ1F 1'Q(1O0H)KB%A-FL<CH3C?I(>I+*^]&C<D6V=:]HP*PQZRO.RI>;@
MY*KG34<ICYC3.%S@A=V!(PU_I![EZP%82X8ULQBZ&GFR &2HCS46Z2SJY;*^
M<=PW0;' ,0=0?$Z"HK1,M\$=Z#;-["IOI8^VKR(E(]9!OX)*R=WCPG&V0OKQ
MRH2/2A$SXS/W65A<T6 +>Z"A(&-K<7(BV6/EBA4HU5]U&?'&.\%F@SYDCL6G
M<!)<=0%-]E:;[VN;#D0?'OB+%LP]8%N,(E \&#AC$JJ[L$\^FZD@^?[),1-Y
ME:5G3J.3@JS:C)RD96E;!A!24"RF PS:%]A5O'7/27Y/11E"/L'F4[SBX4%B
MM.2>$?#(B9E^7YY/%VS_?S+]_Y_<GCX3)Y6A?9(!E/B(24 %!(E#R:.<*XK"
M?DW4HDUA17PJ'CZ89 \?/'SX&3N@C\8=4'"-7CS[+_CE;Z__^/WG_Q]02P,$
M%     @ $8B452_+R]LS!   91$  !    !R9V$M,C R,C$R,C N>'-DS5??
M;^,V#'X_X/X'S4\;,%NQN[2KT?30+9=#@;8;TMRPMT*VF528+'F2W!___2C9
M3ITTS:7I;;>\1!;Y4?Q(BI)./CR4@MR!-ES)41!'@X" S%7!Y6(4U"9D)N<\
M^'#Z_MW)=V%(QI/S*Q*26VLKDU)Z?W\?%7,NC1*U10LFRE5)21AV^K_./I,_
M&NLIF8( 9H"4S%C0Y)>:BR)-!DD2QX.?H\,^3 -S]DC!+*0D3F@24Z=)DO2G
MHW0P)&>7Y*,W(\F,E]#'JNI1\\6M)=_G/Q /&BLI00AX)!,NF<PY$^2Z<_E'
M<B[SB)P)0:8.9M!/ _H.BJBU^F"*U.2W4++W[PC!@$F32C19EZ/ 1:(-Q$.F
M1:3T@A964_M8 46E$+5 \SSH0;^,>X;!3#B)60+GS&0>U$E\>'H(O6 KJ^"W
M!I\>'_$D&?24"^!+9>^.@3Q:J#N*@G7#3LXW$T@&@P.*U6 QQM"#""[_VH)P
MX@P+H[_(,\C]@0?$Q\?'U$O77"KL*H/6^I VPM58+ABK-H;2"9X(,VLUSVH+
M$Z7+,<Q9+7"56OY=,\'G' JOA55=@K0K.JL:END%V"M6@JE8#KOG!2MO4Q"0
M5TS_O+RX]D49G#H (;Y.>5DI;4E3KA<J]]MH2^S=5]BE+'1389R$!W&$Q@(B
M-[K\0KX)?;,C727LY<BRC'9VQ+Q4[FX0NL%+JV_>)'M'8'WG._['CG]\N!/_
M9YWC*WBBY-5;G>FUO_US(AG/F^[6#'?/RQ/R3;79M1 7A^'6A==[SNM);^Q%
M%(0UW<Q6^IM;V==VPY\W._O1.YU:1[P;3$IE_=I]YUA5<3E7[11.NDV==CM[
M"G/B>W_*=*Z5@.TG!*VTJD!;CNL_-8?&P*V&^2C YAMV;?=&L"S"MMMI/+._
MVFV<F"($Q,63=QW6<NO %TY,G!QO&4PL3;N0C *#F1"];O7?LJWPU'DE6X08
M/.A\TEXF_7M/ZW_*O8#Y:[DCA$N^G?EXJ?-JWFZ-&6H0-_@\/7_ABK"\(U#+
M'I14Y6/CW5CEM;N#=/]GLO@HT:O'<]Q,NO2Y" C'R\04U6]V4E]ZV/GX%(+3
M>.!^^!#H+/2'3!:D,4=Z]D[HNI%U^[6!XC=YZL<Y$WDMEI76@EN-;<#U&MT=
MN9KAS;AVMLM6U[GH>NMJ9U9;G&]P[671YP+S>K,M!3.6N5IQ[16+Z\N*38GY
M^WEJ\.8J%^<62N=H0$R=&43Y)\\GK>JJ42QL>HMRG=<9.&6L5@_'*:Z*F3=8
MU+HM(,F%<$N- JMK-,K0IF:Y[;[I?CPQWGYQLPO7GO(>?'G*_TV6E\/H:#CA
M#U#,U$0H-"@74WS"7M>9TOBFQF$QA@PA-=;IN(9D,#R\A#(#W7%_DXDF(LW;
M-"U4R;C\YB$YBN*D(>1HN+>UW<8E60O'OO!O&8IF^S<W+/S\!U!+ P04
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M$H2M\\M6T "=.W!C8"@8X02M^[+YDN/I3(*?HI^!<>HQ2A$A: EN,84TPI"
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MX[.2"R=.U^8/4UM_<-!_,7OY(Y6Z^ ]02P,$%     @ $8B451.R)LQ5"
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MCH<W,H[BH'CH?(XBTE</I][,KO6U!.K ],TDHF7 O@70 )RH#![>A)%T\/"
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MA O=2'_R4"IU;'QA6F)JSL$4A(#X:IV:@U%G(>LA54+6\IO#TQ<%#!0D\EL
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MNCYC_ID?2>HC?P-02P$"% ,4    "  1B)15<@AY(9\3  #LC@  #@
M        @ $     9#0S.#$P,60X:RYH=&U02P$"% ,4    "  1B)157YNT
MK%=Y  #*50( $               @ '+$P  9#0S.#$P,61E>#,Q+FAT;5!+
M 0(4 Q0    ( !&(E%4OR\O;,P0  &41   0              "  5"-  !R
M9V$M,C R,C$R,C N>'-D4$L! A0#%     @ $8B451)^'@(4!@  E#<  !0
M             ( !L9$  ')G82TR,#(R,3(R,%]D968N>&UL4$L! A0#%
M  @ $8B451.R)LQ5"   JUT  !0              ( !]Y<  ')G82TR,#(R
M,3(R,%]L86(N>&UL4$L! A0#%     @ $8B4545IT;S2!0  GCL  !0
M         ( !?J   ')G82TR,#(R,3(R,%]P<F4N>&UL4$L%!@     &  8
*?@$  (*F      $!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
