<SEC-DOCUMENT>0000924805-24-000058-index.html : 20240729
<SEC-HEADER>0000924805-24-000058.hdr.sgml : 20240729
<ACCEPTANCE-DATETIME>20240729144109
ACCESSION NUMBER:		0000924805-24-000058
CONFORMED SUBMISSION TYPE:	ARS
PUBLIC DOCUMENT COUNT:		191
CONFORMED PERIOD OF REPORT:	20240331
FILED AS OF DATE:		20240729
DATE AS OF CHANGE:		20240729
EFFECTIVENESS DATE:		20240729

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Freedom Holding Corp.
		CENTRAL INDEX KEY:			0000924805
		STANDARD INDUSTRIAL CLASSIFICATION:	SECURITY BROKERS, DEALERS & FLOTATION COMPANIES [6211]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				300233726
		STATE OF INCORPORATION:			NV
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		ARS
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-33034
		FILM NUMBER:		241151672

	BUSINESS ADDRESS:	
		STREET 1:		ESENTAI TOWER BC, FLOOR 7
		STREET 2:		77/7 AL FARABI AVE.
		CITY:			ALMATY
		STATE:			1P
		ZIP:			050040
		BUSINESS PHONE:		1-212-309-6000

	MAIL ADDRESS:	
		STREET 1:		ESENTAI TOWER BC, FLOOR 7
		STREET 2:		77/7 AL FARABI AVE.
		CITY:			ALMATY
		STATE:			1P
		ZIP:			050040

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BMB MUNAI INC
		DATE OF NAME CHANGE:	20031218

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	INTERUNION FINANCIAL CORP
		DATE OF NAME CHANGE:	19960719
</SEC-HEADER>
<DOCUMENT>
<TYPE>ARS
<SEQUENCE>1
<FILENAME>a10k24wrapv3.htm
<DESCRIPTION>ARS
<TEXT>
Document 1 - file: a10k24wrapv3.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>a10k24wrapv3001.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
Document 2 - file: a10k24wrapv3001.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>a10k24wrapv3002.jpg
<TEXT>
Document 3 - file: a10k24wrapv3002.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>a10k24wrapv3003.jpg
<TEXT>
Document 4 - file: a10k24wrapv3003.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>5
<FILENAME>a10k24wrapv3004.jpg
<TEXT>
Document 5 - file: a10k24wrapv3004.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>a10k24wrapv3005.jpg
<TEXT>
Document 6 - file: a10k24wrapv3005.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
<FILENAME>a10k24wrapv3006.jpg
<TEXT>
Document 7 - file: a10k24wrapv3006.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>a10k24wrapv3007.jpg
<TEXT>
Document 8 - file: a10k24wrapv3007.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>9
<FILENAME>a10k24wrapv3008.jpg
<TEXT>
Document 9 - file: a10k24wrapv3008.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>10
<FILENAME>a10k24wrapv3009.jpg
<TEXT>
Document 10 - file: a10k24wrapv3009.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>11
<FILENAME>a10k24wrapv3010.jpg
<TEXT>
Document 11 - file: a10k24wrapv3010.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>12
<FILENAME>a10k24wrapv3011.jpg
<TEXT>
Document 12 - file: a10k24wrapv3011.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>13
<FILENAME>a10k24wrapv3012.jpg
<TEXT>
Document 13 - file: a10k24wrapv3012.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>14
<FILENAME>a10k24wrapv3013.jpg
<TEXT>
Document 14 - file: a10k24wrapv3013.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>15
<FILENAME>a10k24wrapv3014.jpg
<TEXT>
Document 15 - file: a10k24wrapv3014.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>16
<FILENAME>a10k24wrapv3015.jpg
<TEXT>
Document 16 - file: a10k24wrapv3015.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>17
<FILENAME>a10k24wrapv3016.jpg
<TEXT>
Document 17 - file: a10k24wrapv3016.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>18
<FILENAME>a10k24wrapv3017.jpg
<TEXT>
Document 18 - file: a10k24wrapv3017.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>19
<FILENAME>a10k24wrapv3018.jpg
<TEXT>
Document 19 - file: a10k24wrapv3018.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>20
<FILENAME>a10k24wrapv3019.jpg
<TEXT>
Document 20 - file: a10k24wrapv3019.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>21
<FILENAME>a10k24wrapv3020.jpg
<TEXT>
Document 21 - file: a10k24wrapv3020.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>22
<FILENAME>a10k24wrapv3021.jpg
<TEXT>
Document 22 - file: a10k24wrapv3021.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>23
<FILENAME>a10k24wrapv3022.jpg
<TEXT>
Document 23 - file: a10k24wrapv3022.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>24
<FILENAME>a10k24wrapv3023.jpg
<TEXT>
Document 24 - file: a10k24wrapv3023.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>25
<FILENAME>a10k24wrapv3024.jpg
<TEXT>
Document 25 - file: a10k24wrapv3024.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>26
<FILENAME>a10k24wrapv3025.jpg
<TEXT>
Document 26 - file: a10k24wrapv3025.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>27
<FILENAME>a10k24wrapv3026.jpg
<TEXT>
Document 27 - file: a10k24wrapv3026.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>28
<FILENAME>a10k24wrapv3027.jpg
<TEXT>
Document 28 - file: a10k24wrapv3027.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>29
<FILENAME>a10k24wrapv3028.jpg
<TEXT>
Document 29 - file: a10k24wrapv3028.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>30
<FILENAME>a10k24wrapv3029.jpg
<TEXT>
Document 30 - file: a10k24wrapv3029.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>31
<FILENAME>a10k24wrapv3030.jpg
<TEXT>
Document 31 - file: a10k24wrapv3030.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>32
<FILENAME>a10k24wrapv3031.jpg
<TEXT>
Document 32 - file: a10k24wrapv3031.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>33
<FILENAME>a10k24wrapv3032.jpg
<TEXT>
Document 33 - file: a10k24wrapv3032.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>34
<FILENAME>a10k24wrapv3033.jpg
<TEXT>
Document 34 - file: a10k24wrapv3033.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>35
<FILENAME>a10k24wrapv3034.jpg
<TEXT>
Document 35 - file: a10k24wrapv3034.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>36
<FILENAME>a10k24wrapv3035.jpg
<TEXT>
Document 36 - file: a10k24wrapv3035.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>37
<FILENAME>a10k24wrapv3036.jpg
<TEXT>
Document 37 - file: a10k24wrapv3036.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>38
<FILENAME>a10k24wrapv3037.jpg
<TEXT>
Document 38 - file: a10k24wrapv3037.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>39
<FILENAME>a10k24wrapv3038.jpg
<TEXT>
Document 39 - file: a10k24wrapv3038.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>40
<FILENAME>a10k24wrapv3039.jpg
<TEXT>
Document 40 - file: a10k24wrapv3039.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>41
<FILENAME>a10k24wrapv3040.jpg
<TEXT>
Document 41 - file: a10k24wrapv3040.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>42
<FILENAME>a10k24wrapv3041.jpg
<TEXT>
Document 42 - file: a10k24wrapv3041.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>43
<FILENAME>a10k24wrapv3042.jpg
<TEXT>
Document 43 - file: a10k24wrapv3042.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>44
<FILENAME>a10k24wrapv3043.jpg
<TEXT>
Document 44 - file: a10k24wrapv3043.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>45
<FILENAME>a10k24wrapv3044.jpg
<TEXT>
Document 45 - file: a10k24wrapv3044.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>46
<FILENAME>a10k24wrapv3045.jpg
<TEXT>
Document 46 - file: a10k24wrapv3045.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>47
<FILENAME>a10k24wrapv3046.jpg
<TEXT>
Document 47 - file: a10k24wrapv3046.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>48
<FILENAME>a10k24wrapv3047.jpg
<TEXT>
Document 48 - file: a10k24wrapv3047.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>49
<FILENAME>a10k24wrapv3048.jpg
<TEXT>
Document 49 - file: a10k24wrapv3048.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>50
<FILENAME>a10k24wrapv3049.jpg
<TEXT>
Document 50 - file: a10k24wrapv3049.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>51
<FILENAME>a10k24wrapv3050.jpg
<TEXT>
Document 51 - file: a10k24wrapv3050.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>52
<FILENAME>a10k24wrapv3051.jpg
<TEXT>
Document 52 - file: a10k24wrapv3051.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>53
<FILENAME>a10k24wrapv3052.jpg
<TEXT>
Document 53 - file: a10k24wrapv3052.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>54
<FILENAME>a10k24wrapv3053.jpg
<TEXT>
Document 54 - file: a10k24wrapv3053.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>55
<FILENAME>a10k24wrapv3054.jpg
<TEXT>
Document 55 - file: a10k24wrapv3054.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>56
<FILENAME>a10k24wrapv3055.jpg
<TEXT>
Document 56 - file: a10k24wrapv3055.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>57
<FILENAME>a10k24wrapv3056.jpg
<TEXT>
Document 57 - file: a10k24wrapv3056.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>58
<FILENAME>a10k24wrapv3057.jpg
<TEXT>
Document 58 - file: a10k24wrapv3057.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>59
<FILENAME>a10k24wrapv3058.jpg
<TEXT>
Document 59 - file: a10k24wrapv3058.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>60
<FILENAME>a10k24wrapv3059.jpg
<TEXT>
Document 60 - file: a10k24wrapv3059.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>61
<FILENAME>a10k24wrapv3060.jpg
<TEXT>
Document 61 - file: a10k24wrapv3060.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>62
<FILENAME>a10k24wrapv3061.jpg
<TEXT>
Document 62 - file: a10k24wrapv3061.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>63
<FILENAME>a10k24wrapv3062.jpg
<TEXT>
Document 63 - file: a10k24wrapv3062.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>64
<FILENAME>a10k24wrapv3063.jpg
<TEXT>
Document 64 - file: a10k24wrapv3063.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>65
<FILENAME>a10k24wrapv3064.jpg
<TEXT>
Document 65 - file: a10k24wrapv3064.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>66
<FILENAME>a10k24wrapv3065.jpg
<TEXT>
Document 66 - file: a10k24wrapv3065.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>67
<FILENAME>a10k24wrapv3066.jpg
<TEXT>
Document 67 - file: a10k24wrapv3066.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>68
<FILENAME>a10k24wrapv3067.jpg
<TEXT>
Document 68 - file: a10k24wrapv3067.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>69
<FILENAME>a10k24wrapv3068.jpg
<TEXT>
Document 69 - file: a10k24wrapv3068.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>70
<FILENAME>a10k24wrapv3069.jpg
<TEXT>
Document 70 - file: a10k24wrapv3069.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>71
<FILENAME>a10k24wrapv3070.jpg
<TEXT>
Document 71 - file: a10k24wrapv3070.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>72
<FILENAME>a10k24wrapv3071.jpg
<TEXT>
Document 72 - file: a10k24wrapv3071.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>73
<FILENAME>a10k24wrapv3072.jpg
<TEXT>
Document 73 - file: a10k24wrapv3072.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>74
<FILENAME>a10k24wrapv3073.jpg
<TEXT>
Document 74 - file: a10k24wrapv3073.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>75
<FILENAME>a10k24wrapv3074.jpg
<TEXT>
Document 75 - file: a10k24wrapv3074.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>76
<FILENAME>a10k24wrapv3075.jpg
<TEXT>
Document 76 - file: a10k24wrapv3075.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>77
<FILENAME>a10k24wrapv3076.jpg
<TEXT>
Document 77 - file: a10k24wrapv3076.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>78
<FILENAME>a10k24wrapv3077.jpg
<TEXT>
Document 78 - file: a10k24wrapv3077.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>79
<FILENAME>a10k24wrapv3078.jpg
<TEXT>
Document 79 - file: a10k24wrapv3078.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>80
<FILENAME>a10k24wrapv3079.jpg
<TEXT>
Document 80 - file: a10k24wrapv3079.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>81
<FILENAME>a10k24wrapv3080.jpg
<TEXT>
Document 81 - file: a10k24wrapv3080.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>82
<FILENAME>a10k24wrapv3081.jpg
<TEXT>
Document 82 - file: a10k24wrapv3081.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>83
<FILENAME>a10k24wrapv3082.jpg
<TEXT>
Document 83 - file: a10k24wrapv3082.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>84
<FILENAME>a10k24wrapv3083.jpg
<TEXT>
Document 84 - file: a10k24wrapv3083.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>85
<FILENAME>a10k24wrapv3084.jpg
<TEXT>
Document 85 - file: a10k24wrapv3084.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>86
<FILENAME>a10k24wrapv3085.jpg
<TEXT>
Document 86 - file: a10k24wrapv3085.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>87
<FILENAME>a10k24wrapv3086.jpg
<TEXT>
Document 87 - file: a10k24wrapv3086.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>88
<FILENAME>a10k24wrapv3087.jpg
<TEXT>
Document 88 - file: a10k24wrapv3087.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>89
<FILENAME>a10k24wrapv3088.jpg
<TEXT>
Document 89 - file: a10k24wrapv3088.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>90
<FILENAME>a10k24wrapv3089.jpg
<TEXT>
Document 90 - file: a10k24wrapv3089.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>91
<FILENAME>a10k24wrapv3090.jpg
<TEXT>
Document 91 - file: a10k24wrapv3090.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>92
<FILENAME>a10k24wrapv3091.jpg
<TEXT>
Document 92 - file: a10k24wrapv3091.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>93
<FILENAME>a10k24wrapv3092.jpg
<TEXT>
Document 93 - file: a10k24wrapv3092.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>94
<FILENAME>a10k24wrapv3093.jpg
<TEXT>
Document 94 - file: a10k24wrapv3093.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>95
<FILENAME>a10k24wrapv3094.jpg
<TEXT>
Document 95 - file: a10k24wrapv3094.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>96
<FILENAME>a10k24wrapv3095.jpg
<TEXT>
Document 96 - file: a10k24wrapv3095.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>97
<FILENAME>a10k24wrapv3096.jpg
<TEXT>
Document 97 - file: a10k24wrapv3096.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>98
<FILENAME>a10k24wrapv3097.jpg
<TEXT>
Document 98 - file: a10k24wrapv3097.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>99
<FILENAME>a10k24wrapv3098.jpg
<TEXT>
Document 99 - file: a10k24wrapv3098.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>100
<FILENAME>a10k24wrapv3099.jpg
<TEXT>
Document 100 - file: a10k24wrapv3099.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>101
<FILENAME>a10k24wrapv3100.jpg
<TEXT>
Document 101 - file: a10k24wrapv3100.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>102
<FILENAME>a10k24wrapv3101.jpg
<TEXT>
Document 102 - file: a10k24wrapv3101.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>103
<FILENAME>a10k24wrapv3102.jpg
<TEXT>
Document 103 - file: a10k24wrapv3102.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>104
<FILENAME>a10k24wrapv3103.jpg
<TEXT>
Document 104 - file: a10k24wrapv3103.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>105
<FILENAME>a10k24wrapv3104.jpg
<TEXT>
Document 105 - file: a10k24wrapv3104.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>106
<FILENAME>a10k24wrapv3105.jpg
<TEXT>
Document 106 - file: a10k24wrapv3105.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>107
<FILENAME>a10k24wrapv3106.jpg
<TEXT>
Document 107 - file: a10k24wrapv3106.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>108
<FILENAME>a10k24wrapv3107.jpg
<TEXT>
Document 108 - file: a10k24wrapv3107.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>109
<FILENAME>a10k24wrapv3108.jpg
<TEXT>
Document 109 - file: a10k24wrapv3108.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>110
<FILENAME>a10k24wrapv3109.jpg
<TEXT>
Document 110 - file: a10k24wrapv3109.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>111
<FILENAME>a10k24wrapv3110.jpg
<TEXT>
Document 111 - file: a10k24wrapv3110.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>112
<FILENAME>a10k24wrapv3111.jpg
<TEXT>
Document 112 - file: a10k24wrapv3111.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>113
<FILENAME>a10k24wrapv3112.jpg
<TEXT>
Document 113 - file: a10k24wrapv3112.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>114
<FILENAME>a10k24wrapv3113.jpg
<TEXT>
Document 114 - file: a10k24wrapv3113.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>115
<FILENAME>a10k24wrapv3114.jpg
<TEXT>
Document 115 - file: a10k24wrapv3114.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>116
<FILENAME>a10k24wrapv3115.jpg
<TEXT>
Document 116 - file: a10k24wrapv3115.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>117
<FILENAME>a10k24wrapv3116.jpg
<TEXT>
Document 117 - file: a10k24wrapv3116.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>118
<FILENAME>a10k24wrapv3117.jpg
<TEXT>
Document 118 - file: a10k24wrapv3117.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>119
<FILENAME>a10k24wrapv3118.jpg
<TEXT>
Document 119 - file: a10k24wrapv3118.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>120
<FILENAME>a10k24wrapv3119.jpg
<TEXT>
Document 120 - file: a10k24wrapv3119.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>121
<FILENAME>a10k24wrapv3120.jpg
<TEXT>
Document 121 - file: a10k24wrapv3120.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>122
<FILENAME>a10k24wrapv3121.jpg
<TEXT>
Document 122 - file: a10k24wrapv3121.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>123
<FILENAME>a10k24wrapv3122.jpg
<TEXT>
Document 123 - file: a10k24wrapv3122.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>124
<FILENAME>a10k24wrapv3123.jpg
<TEXT>
Document 124 - file: a10k24wrapv3123.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>125
<FILENAME>a10k24wrapv3124.jpg
<TEXT>
Document 125 - file: a10k24wrapv3124.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>126
<FILENAME>a10k24wrapv3125.jpg
<TEXT>
Document 126 - file: a10k24wrapv3125.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>127
<FILENAME>a10k24wrapv3126.jpg
<TEXT>
Document 127 - file: a10k24wrapv3126.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>128
<FILENAME>a10k24wrapv3127.jpg
<TEXT>
Document 128 - file: a10k24wrapv3127.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>129
<FILENAME>a10k24wrapv3128.jpg
<TEXT>
Document 129 - file: a10k24wrapv3128.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>130
<FILENAME>a10k24wrapv3129.jpg
<TEXT>
Document 130 - file: a10k24wrapv3129.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>131
<FILENAME>a10k24wrapv3130.jpg
<TEXT>
Document 131 - file: a10k24wrapv3130.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>132
<FILENAME>a10k24wrapv3131.jpg
<TEXT>
Document 132 - file: a10k24wrapv3131.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>133
<FILENAME>a10k24wrapv3132.jpg
<TEXT>
Document 133 - file: a10k24wrapv3132.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>134
<FILENAME>a10k24wrapv3133.jpg
<TEXT>
Document 134 - file: a10k24wrapv3133.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>135
<FILENAME>a10k24wrapv3134.jpg
<TEXT>
Document 135 - file: a10k24wrapv3134.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>136
<FILENAME>a10k24wrapv3135.jpg
<TEXT>
Document 136 - file: a10k24wrapv3135.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>137
<FILENAME>a10k24wrapv3136.jpg
<TEXT>
Document 137 - file: a10k24wrapv3136.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>138
<FILENAME>a10k24wrapv3137.jpg
<TEXT>
Document 138 - file: a10k24wrapv3137.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>139
<FILENAME>a10k24wrapv3138.jpg
<TEXT>
Document 139 - file: a10k24wrapv3138.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>140
<FILENAME>a10k24wrapv3139.jpg
<TEXT>
Document 140 - file: a10k24wrapv3139.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>141
<FILENAME>a10k24wrapv3140.jpg
<TEXT>
Document 141 - file: a10k24wrapv3140.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>142
<FILENAME>a10k24wrapv3141.jpg
<TEXT>
Document 142 - file: a10k24wrapv3141.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>143
<FILENAME>a10k24wrapv3142.jpg
<TEXT>
Document 143 - file: a10k24wrapv3142.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>144
<FILENAME>a10k24wrapv3143.jpg
<TEXT>
Document 144 - file: a10k24wrapv3143.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>145
<FILENAME>a10k24wrapv3144.jpg
<TEXT>
Document 145 - file: a10k24wrapv3144.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>146
<FILENAME>a10k24wrapv3145.jpg
<TEXT>
Document 146 - file: a10k24wrapv3145.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>147
<FILENAME>a10k24wrapv3146.jpg
<TEXT>
Document 147 - file: a10k24wrapv3146.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>148
<FILENAME>a10k24wrapv3147.jpg
<TEXT>
Document 148 - file: a10k24wrapv3147.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>149
<FILENAME>a10k24wrapv3148.jpg
<TEXT>
Document 149 - file: a10k24wrapv3148.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>150
<FILENAME>a10k24wrapv3149.jpg
<TEXT>
Document 150 - file: a10k24wrapv3149.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>151
<FILENAME>a10k24wrapv3150.jpg
<TEXT>
Document 151 - file: a10k24wrapv3150.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>152
<FILENAME>a10k24wrapv3151.jpg
<TEXT>
Document 152 - file: a10k24wrapv3151.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>153
<FILENAME>a10k24wrapv3152.jpg
<TEXT>
Document 153 - file: a10k24wrapv3152.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>154
<FILENAME>a10k24wrapv3153.jpg
<TEXT>
Document 154 - file: a10k24wrapv3153.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>155
<FILENAME>a10k24wrapv3154.jpg
<TEXT>
Document 155 - file: a10k24wrapv3154.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>156
<FILENAME>a10k24wrapv3155.jpg
<TEXT>
Document 156 - file: a10k24wrapv3155.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>157
<FILENAME>a10k24wrapv3156.jpg
<TEXT>
Document 157 - file: a10k24wrapv3156.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>158
<FILENAME>a10k24wrapv3157.jpg
<TEXT>
Document 158 - file: a10k24wrapv3157.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>159
<FILENAME>a10k24wrapv3158.jpg
<TEXT>
Document 159 - file: a10k24wrapv3158.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>160
<FILENAME>a10k24wrapv3159.jpg
<TEXT>
Document 160 - file: a10k24wrapv3159.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>161
<FILENAME>a10k24wrapv3160.jpg
<TEXT>
Document 161 - file: a10k24wrapv3160.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>162
<FILENAME>a10k24wrapv3161.jpg
<TEXT>
Document 162 - file: a10k24wrapv3161.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>163
<FILENAME>a10k24wrapv3162.jpg
<TEXT>
Document 163 - file: a10k24wrapv3162.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>164
<FILENAME>a10k24wrapv3163.jpg
<TEXT>
Document 164 - file: a10k24wrapv3163.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>165
<FILENAME>a10k24wrapv3164.jpg
<TEXT>
Document 165 - file: a10k24wrapv3164.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>166
<FILENAME>a10k24wrapv3165.jpg
<TEXT>
Document 166 - file: a10k24wrapv3165.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>167
<FILENAME>a10k24wrapv3166.jpg
<TEXT>
Document 167 - file: a10k24wrapv3166.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>168
<FILENAME>a10k24wrapv3167.jpg
<TEXT>
Document 168 - file: a10k24wrapv3167.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>169
<FILENAME>a10k24wrapv3168.jpg
<TEXT>
Document 169 - file: a10k24wrapv3168.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>170
<FILENAME>a10k24wrapv3169.jpg
<TEXT>
Document 170 - file: a10k24wrapv3169.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>171
<FILENAME>a10k24wrapv3170.jpg
<TEXT>
Document 171 - file: a10k24wrapv3170.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>172
<FILENAME>a10k24wrapv3171.jpg
<TEXT>
Document 172 - file: a10k24wrapv3171.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>173
<FILENAME>a10k24wrapv3172.jpg
<TEXT>
Document 173 - file: a10k24wrapv3172.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>174
<FILENAME>a10k24wrapv3173.jpg
<TEXT>
Document 174 - file: a10k24wrapv3173.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>175
<FILENAME>a10k24wrapv3174.jpg
<TEXT>
Document 175 - file: a10k24wrapv3174.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>176
<FILENAME>a10k24wrapv3175.jpg
<TEXT>
Document 176 - file: a10k24wrapv3175.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>177
<FILENAME>a10k24wrapv3176.jpg
<TEXT>
Document 177 - file: a10k24wrapv3176.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>178
<FILENAME>a10k24wrapv3177.jpg
<TEXT>
Document 178 - file: a10k24wrapv3177.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>179
<FILENAME>a10k24wrapv3178.jpg
<TEXT>
Document 179 - file: a10k24wrapv3178.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>180
<FILENAME>a10k24wrapv3179.jpg
<TEXT>
Document 180 - file: a10k24wrapv3179.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>181
<FILENAME>a10k24wrapv3180.jpg
<TEXT>
Document 181 - file: a10k24wrapv3180.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>182
<FILENAME>a10k24wrapv3181.jpg
<TEXT>
Document 182 - file: a10k24wrapv3181.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>183
<FILENAME>a10k24wrapv3182.jpg
<TEXT>
Document 183 - file: a10k24wrapv3182.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>184
<FILENAME>a10k24wrapv3183.jpg
<TEXT>
Document 184 - file: a10k24wrapv3183.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>185
<FILENAME>a10k24wrapv3184.jpg
<TEXT>
Document 185 - file: a10k24wrapv3184.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>186
<FILENAME>a10k24wrapv3185.jpg
<TEXT>
Document 186 - file: a10k24wrapv3185.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>187
<FILENAME>a10k24wrapv3186.jpg
<TEXT>
Document 187 - file: a10k24wrapv3186.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>188
<FILENAME>a10k24wrapv3187.jpg
<TEXT>
Document 188 - file: a10k24wrapv3187.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>189
<FILENAME>a10k24wrapv3188.jpg
<TEXT>
Document 189 - file: a10k24wrapv3188.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>190
<FILENAME>a10k24wrapv3189.jpg
<TEXT>
Document 190 - file: a10k24wrapv3189.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>ARS
<SEQUENCE>191
<FILENAME>a10k24wrapv3.pdf
<DESCRIPTION>ARS
<TEXT>
Document 191 - file: a10k24wrapv3.pdf

</DOCUMENT>
</SEC-DOCUMENT>