<SEC-DOCUMENT>0001104659-25-080254.txt : 20250819
<SEC-HEADER>0001104659-25-080254.hdr.sgml : 20250819
<ACCEPTANCE-DATETIME>20250819160840
ACCESSION NUMBER:		0001104659-25-080254
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20250819
DATE AS OF CHANGE:		20250819

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BLOCK FINANCIAL LLC
		CENTRAL INDEX KEY:			0001042397
		STANDARD INDUSTRIAL CLASSIFICATION:	SERVICES-PERSONAL SERVICES [7200]
		ORGANIZATION NAME:           	07 Trade & Services
		EIN:				521781495
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0630

	FILING VALUES:
		FORM TYPE:		FWP
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	333-281584-01
		FILM NUMBER:		251231854

	BUSINESS ADDRESS:	
		STREET 1:		ONE H&R BLOCK WAY
		CITY:			KANSAS CITY
		STATE:			MO
		ZIP:			64105
		BUSINESS PHONE:		816-854-3000

	MAIL ADDRESS:	
		STREET 1:		ONE H&R BLOCK WAY
		CITY:			KANSAS CITY
		STATE:			MO
		ZIP:			64105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BLOCK FINANCIAL CORP
		DATE OF NAME CHANGE:	19970811

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			H&R BLOCK INC
		CENTRAL INDEX KEY:			0000012659
		STANDARD INDUSTRIAL CLASSIFICATION:	SERVICES-PERSONAL SERVICES [7200]
		ORGANIZATION NAME:           	07 Trade & Services
		EIN:				440607856
		STATE OF INCORPORATION:			MO
		FISCAL YEAR END:			0630

	FILING VALUES:
		FORM TYPE:		FWP

	BUSINESS ADDRESS:	
		STREET 1:		ONE H&R BLOCK WAY
		CITY:			KANSAS CITY
		STATE:			MO
		ZIP:			64105
		BUSINESS PHONE:		8168543000

	MAIL ADDRESS:	
		STREET 1:		ONE H&R BLOCK WAY
		CITY:			KANSAS CITY
		STATE:			MO
		ZIP:			64105
</SEC-HEADER>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Filed pursuant to Rule&nbsp;433<BR>
Free Writing Prospectus&nbsp;dated <FONT STYLE="background-color: white">August&nbsp;19, 2025</FONT><BR>
Registration Statement Nos.&nbsp;333-281584 and 333-281584-01</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-variant: small-caps"><B>$350,000,000</B></FONT></P>

<P STYLE="font: 5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="tm2522221d3_fwpimg001.jpg" ALT="">&nbsp;</P>

<P STYLE="font: 5pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-variant: small-caps"><B>Block
Financial LLC</B></FONT></P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-variant: small-caps"><B>5.375%
Notes due 2032</B></FONT></P>

<P STYLE="font: 13pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-variant: small-caps"><B><I>Fully
and Unconditionally Guaranteed by<BR>
H&amp;R Block,&nbsp;Inc.</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="background-color: white">This term
sheet to the preliminary prospectus supplement dated August&nbsp;18, 2025 (the &ldquo;Preliminary Prospectus Supplement&rdquo;) should
be read together with the Preliminary Prospectus Supplement before making a decision in connection with an investment in the securities.
The information in this term sheet supersedes the information contained in the Preliminary Prospectus Supplement to the extent that it
is inconsistent therewith. Terms used but not defined herein have the meaning ascribed to them in the Preliminary Prospectus Supplement.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt; width: 36%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Issuer:</FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt; width: 64%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Block Financial LLC, a Delaware limited liability company</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Guarantor:</FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">H&amp;R Block,&nbsp;Inc., a Missouri corporation </FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Type:</FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">SEC Registered</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Expected Ratings*:</FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Baa3 (Stable Outlook) (Moody&rsquo;s) / BBB (Stable Outlook) (S&amp;P)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Trade Date:</FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">August&nbsp;<FONT STYLE="background-color: white">19</FONT>, 2025</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Settlement Date:</FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0">August&nbsp;<FONT STYLE="background-color: white">26</FONT>, 2025 (T+5
    days)</P>
    <P STYLE="font: 5pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0">It is expected that delivery of the notes will be made against payment
    therefor on or about August&nbsp;<FONT STYLE="background-color: white">26</FONT>, 2025, which is the fifth business day following the
    date hereof (such settlement cycle being referred to as &ldquo;T+5&rdquo;). Under Rule&nbsp;15c6-1 under the Securities Exchange Act of
    1934, as amended, trades in the secondary market generally are required to settle in one business day unless the parties to any such trade
    expressly agree otherwise. Accordingly, purchasers who wish to trade the notes on any date prior to the business day before delivery will
    be required, by virtue of the fact that the notes initially will settle in T+5, to specify an alternative settlement cycle at the time
    of any such trade to prevent a failed settlement. Purchasers of the notes who wish to trade the notes prior to the business day preceding
    the delivery date of the notes should consult their own advisors.</P></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Use of Proceeds:</FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">We intend to use the net proceeds from this offering for general corporate purposes, which may include, among other uses, redeeming or repaying our 5.250% notes due 2025.</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Aggregate Principal Amount Offered:</FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$350,000,000</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Maturity Date:</FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt; background-color: white">September&nbsp;15</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">, 2032</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Interest Rate Per Annum:</FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt; background-color: white">5.375</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Interest Payment Dates:</FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Semi-annually on the <FONT STYLE="background-color: white">15<SUP>th</SUP></FONT> of every <FONT STYLE="background-color: white">March&nbsp;</FONT>and <FONT STYLE="background-color: white">September</FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">First Interest Payment Date:</FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt; background-color: white">March&nbsp;15, 2026</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Public Offering Price:</FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt; background-color: white">99.787</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Treasury Benchmark:</FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt; background-color: white">4.000</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">% due <FONT STYLE="background-color: white">July&nbsp;31, 2032</FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Treasury Price:</FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt; background-color: white">99-25</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt; width: 36%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Treasury Yield:</FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt; width: 64%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt; background-color: white">4.036</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Re-offer Spread vs. Treasury:</FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">T + <FONT STYLE="background-color: white">137.5</FONT> bps</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Yield to Maturity:</FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt; background-color: white">5.411</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Net Proceeds (after deducting the underwriting discount and before expenses):</FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$<FONT STYLE="background-color: white">346,979,500</FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Optional Redemption:</FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">At any time prior to <FONT STYLE="background-color: white">July&nbsp;15,
    2032</FONT> (which is the date that is two months prior to the maturity date of the notes), in whole or in part, at a redemption price
    equal to the greater of: (i)&nbsp;the sum of the present values of the remaining scheduled payments of principal and interest on the notes
    to be redeemed that would be due if such notes matured on July&nbsp;15, 2032 but for the redemption, discounted to the redemption date
    on a semi-annual basis at the Treasury Rate plus 25 basis points less interest accrued to the date of redemption and (ii)&nbsp;100% of
    the principal amount of the notes to be redeemed, plus, in either case, accrued and unpaid interest thereon to the redemption date.</P>
    <P STYLE="font: 6pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">At any time on or following July&nbsp;15, 2032,
    in whole or in part, at a redemption price equal to 100% of the principal amount of the notes to be redeemed, plus accrued interest to
    the redemption date.</P></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Mandatory Offer to Repurchase Notes:</FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">In the event of a &ldquo;Change of Control Triggering Event&rdquo; as defined in the Preliminary Prospectus Supplement at 101% of their principal amount, plus accrued and unpaid interest.</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Day Count:</FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">30 / 360</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Minimum Denomination / Multiples:</FONT></TD>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$2,000 / $1,000</FONT></TD>
    </TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">CUSIP / ISIN:</FONT></TD>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">093662AK0 / US093662AK00</FONT></TD>
    </TR>
  <TR>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Joint Bookrunners: </FONT></TD>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt">
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0">J.P. Morgan Securities LLC</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0">PNC Capital Markets LLC</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="background-color: white">U.S. Bancorp Investments,&nbsp;Inc.</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="background-color: white">RBC Capital Markets, LLC</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="background-color: white">TD Securities (USA) LLC</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="background-color: white">Truist Securities,&nbsp;Inc.</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="background-color: white">Wells Fargo Securities, LLC </FONT></P></TD>
    </TR>
  </TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">* A credit rating of a security is not a recommendation
to buy, sell or hold securities and may be subject to review, revision, suspension, reduction or withdrawal at any time by the assigning
rating agency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 9pt">*</FONT><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-size: 9pt">*</FONT><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-size: 9pt">*</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>The issuer has filed a registration
statement (including a prospectus) with the Securities and Exchange Commission, or SEC, for the offering to which this communication relates.
Before you invest, you should read the Preliminary Prospectus Supplement, the accompanying prospectus and the other documents the company
has filed with the SEC for more complete information about the issuer and this offering. You may get these documents for free by visiting
EDGAR on the SEC web site at www.sec.gov. Alternatively, the company, any underwriter or any dealer participating in the offering will
arrange to send you these documents if you request them by contacting J.P. Morgan Securities LLC collect at (212) 834-4533, PNC Capital
Markets LLC toll-free at (855) 881-0697 or U.S. Bancorp Investments,&nbsp;Inc. toll-free at (877) 558-2607.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>This communication should
be read in conjunction with the Preliminary Prospectus Supplement and the accompanying prospectus dated August&nbsp;<FONT STYLE="background-color: white">15,
2024</FONT>.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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