<SEC-DOCUMENT>0001193125-16-663215.txt : 20160729
<SEC-HEADER>0001193125-16-663215.hdr.sgml : 20160729
<ACCEPTANCE-DATETIME>20160729060703
ACCESSION NUMBER:		0001193125-16-663215
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20160728
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20160729
DATE AS OF CHANGE:		20160729

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CVB FINANCIAL CORP
		CENTRAL INDEX KEY:			0000354647
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				953629339
		STATE OF INCORPORATION:			CA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-10140
		FILM NUMBER:		161791891

	BUSINESS ADDRESS:	
		STREET 1:		701 N HAVEN AVE STE 300
		CITY:			ONTARIO
		STATE:			CA
		ZIP:			91764
		BUSINESS PHONE:		9099804030

	MAIL ADDRESS:	
		STREET 1:		701 N HAVEN AVENUE
		CITY:			ONTARIO
		STATE:			CA
		ZIP:			91764
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>d164430d8k.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<HTML><HEAD>
<TITLE>Form 8-K</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>UNITED STATES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>SECURITIES AND EXCHANGE COMMISSION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman" ALIGN="center"><B>Washington, D.C. 20549 </B></P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>FORM 8-K </B></P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Current
Report </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 </B></P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B></B>Date of Report (Date of earliest event reported):<B>&nbsp;&nbsp;&nbsp;&nbsp;July 28, 2016 </B></P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>CVB FINANCIAL CORP. </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10.5pt; font-family:Times New Roman" ALIGN="center">(Exact name of registrant as specified in its charter) </P> <P STYLE="font-size:36pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10.5pt" ALIGN="center">


<TR>
<TD WIDTH="34%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:11pt">
<TD VALIGN="top" ALIGN="center"><B>California</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>0-10140</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>95-3629339</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10.5pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10.5pt; font-family:Times New Roman" ALIGN="center">(State or other jurisdiction of</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10.5pt; font-family:Times New Roman" ALIGN="center">incorporation or organization)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">(Commission file number)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10.5pt; font-family:Times New Roman" ALIGN="center">(I.R.S. employer</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10.5pt; font-family:Times New Roman" ALIGN="center">identification number)</P></TD></TR>
</TABLE> <P STYLE="font-size:24pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:11pt" ALIGN="center">


<TR>
<TD WIDTH="19%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="15%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="15%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="15%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="16%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="15%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:11pt">
<TD VALIGN="top" COLSPAN="7" ALIGN="center"><B>701 North Haven Avenue, Ontario, California</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>91764</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10.5pt">
<TD VALIGN="top" COLSPAN="7" ALIGN="center">(Address of principal executive offices)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">(Zip Code)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman" ALIGN="center"><B>Registrant&#146;s telephone number, including area code: (909) 980-4030 </B></P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman" ALIGN="center"><B>Not Applicable </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10.5pt; font-family:Times New Roman" ALIGN="center">(Former
name or former address, if changed since last report.) </P> <P STYLE="margin-top:36pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the
filing obligation of the registrant under any of the following provisions (<U>see</U> General Instruction A.2. below): </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) </P>

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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman"><B>Item 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers;
Compensatory Arrangements of Certain Officers. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman"><I>(d) Appointment of a New Director </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman" ALIGN="justify">On July 28, 2016, CVB Financial Corp. announced the appointment of Anna Kan as a Board Member, effective July&nbsp;28, 2016. She was also
named a Director of Citizens Business Bank, the wholly-owned banking subsidiary of CVB Financial Corp. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman" ALIGN="justify">The press release announcing Ms.
Kan&#146;s appointment is attached as Exhibit No. 99.1 to this 8-K. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:11pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="13%" VALIGN="top" ALIGN="left"><B>Item&nbsp;9.01</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Financial Statements and Exhibits. </B></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman">(d) Exhibits </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:11pt" ALIGN="center">


<TR>
<TD WIDTH="15%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="82%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:11pt">
<TD VALIGN="bottom" NOWRAP>
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:81.25pt; font-size:11pt; font-family:Times New Roman"><B>&nbsp;&nbsp;Exhibit&nbsp;No.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:11pt; font-family:Times New Roman" ALIGN="center"><B>Description</B></P></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">99.1</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Press Release dated July 28, 2016, announcing the appointment of Anna Kan as a Board Member. She was also named a Director of Citizens Business Bank, the wholly-owned banking subsidiary of CVB Financial Corp.</TD></TR>
</TABLE>

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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman" ALIGN="center"><B>SIGNATURES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:11pt; 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:36pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:11pt">


<TR>
<TD WIDTH="60%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="27%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:11pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="5"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman"><B>CVB FINANCIAL CORP.</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:11pt; font-family:Times New Roman">(Registrant)</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="32"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:11pt">
<TD VALIGN="top">Date: July 28, 2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><U>/s/ E. Allen Nicholson&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"><FONT STYLE="font-size:11pt">E. Allen Nicholson</FONT></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10.5pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"><FONT STYLE="font-size:11pt">Executive Vice President and Chief Financial Officer</FONT></TD></TR>
</TABLE>

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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman" ALIGN="center"><B>Exhibit Index </B></P> <P STYLE="font-size:24pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:11pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">99.1</TD>
<TD ALIGN="left" VALIGN="top">Press Release dated July 28, 2016, announcing the appointment of Anna Kan as a Board Member. She was also named a Director of Citizens Business Bank, the wholly-owned banking subsidiary of CVB Financial Corp.
</TD></TR></TABLE>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>d164430dex991.htm
<DESCRIPTION>EX-99.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="right">Exhibit 99.1 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="right">


<IMG SRC="g164430g45h81.jpg" ALT="LOGO">
 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" ALIGN="center">


<TR>
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="49%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"><B>Press Release</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><B>Contact: <U>Christopher D. Myers</U></B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"><B>For Immediate Release</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><B>President and CEO</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:12pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><B>(909) 980-4030</B></TD></TR>
</TABLE> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>CVB Financial Corp. Announces New Board Member </B></P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Ontario, CA, July 28, 2016 &#150; CVB Financial Corp. (&#147;CVBF&#148;), the holding company for Citizens Business Bank, is pleased to announce the
appointment of Anna Kan as a Board Member. She was also named a Director of Citizens Business Bank. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">&#147;Anna&#146;s entrepreneurial experience in
building a successful small business will add a unique perspective to our Board&#148; said Raymond V. O&#146;Brien III, Chairman of CVBF. &#147;We are excited about utilizing her insight and experience as we continue to build and expand our market
presence.&#148; </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Ms. Kan served as the President and CEO of privately held Formosa Meat Company (dba Golden Island Jerky) from 1997 to 2013. Under her
leadership the company achieved seventeen consecutive years of growth.&nbsp;In 2013, Ms. Kan negotiated a successful sale of the company to Hillshire Brands. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Ms. Kan earned her Bachelors of Arts degree in communication studies from the University of Iowa and her Executive Masters of Business Administration from
Northwestern University.&nbsp;She presently serves as Chairman of the Board of California Manufacturing Technology Consulting (CMTC), a non-profit organization dedicated to promoting and preserving manufacturing jobs in California. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman"><B>Corporate Overview </B></P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">CVBF is the holding company for
Citizens Business Bank. The company is the ninth largest bank holding company headquartered in California with assets of approximately $8.3 billion. CVBF recently earned the ranking of &#147;Best Bank in America&#148; according to Forbes&#146;
<I><U>America&#146;s Best Banks 2016</U></I>. Citizens Business Bank has 43 Business Financial Centers, eight Commercial Banking Centers, and three trust office locations serving the Inland Empire, Los Angeles County, Orange County, San Diego
County, Ventura County, Santa Barbara County and the Central Valley area of California. </P>

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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman">Shares of CVBF&#146;s common stock are listed on the NASDAQ under the ticker symbol &#147;CVBF.&#148;&nbsp;For
investor information about CVBF, visit our Citizens Business Bank website at <U>www.cbbank.com</U> and click on the &#147;<U>Investors</U>&#148; tab. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman"><I>Certain matters set forth herein constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995,
including forward-looking statements relating to the Company&#146;s current business plans and expectations, growth projections, and our future financial position and operating results. Words such as &#147;will likely result, &#147;aims&#148;,
&#147;anticipates&#148;, &#147;believes&#148;, &#147;could&#148;, &#147;estimates&#148;, &#147;expects&#148;, &#147;hopes&#148;, &#147;intends&#148;, &#147;may&#148;, &#147;plans&#148;, &#147;projects&#148;, &#147;seeks&#148;, &#147;should&#148;,
&#147;will&#148; and variations of these words and similar expressions help to identify these forward looking statements.&nbsp;These forward-looking statements are subject to risks and uncertainties that could cause actual results, performance
and/or achievements to differ materially from those projected. These risks and uncertainties include, but are not limited to, all the risk factors set forth in the Company&#146;s public reports, including its Annual Report on Form 10-K for the year
ended December 31, 2015, and particularly the discussion of risk factors within that document. The Company does not undertake, and specifically disclaims any obligation, to update any forward-looking statements to reflect occurrences or
unanticipated events or circumstances after the date of such statements except as required by law. </I></P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>g164430g45h81.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g164430g45h81.jpg
M_]C_X  02D9)1@ !  $ 8 !@  #__@ ?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$  @&!@<&!0@'!P<*"0@*#18.#0P,#1L3%! 6(!PB(1\<
M'QXC*#,K(R8P)AX?+#TM,#4V.3HY(BL_0SXX0S,X.3<!"0H*#0L-&@X.&C<D
M'R0W-S<W-S<W-S<W-S<W-S<W-S<W-S<W-S<W-S<W-S<W-S<W-S<W-S<W-S<W
M-S<W-S<W-__$ :(   $% 0$! 0$!           ! @,$!08'" D*"P$  P$!
M 0$! 0$! 0        $" P0%!@<("0H+$  " 0,# @0#!04$!    7T! @,
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M P$  A$#$0 _ /?Z "@ H * "@ H * "@"M/J-C:G%Q>00GT>0+_ #- $/\
M;FD?]!6S_P"_Z_XT ']N:1_T%;/_ +_K_C0 ?VYI'_05L_\ O^O^- !_;FD?
M]!6S_P"_Z_XT 7(9HKB)989$DC;[KHP(/XB@!] !0!0.MZ2I(.J68([>>O\
MC0 ?VYI'_05L_P#O^O\ C0 ?VYI'_05L_P#O^O\ C0 ?VYI'_05L_P#O^O\
MC0 ?VYI'_05L_P#O^O\ C0 ?VYI'_05L_P#O^O\ C0!;AN(;B,/!*DJ?WD8$
M?I0!)0 4 % !0 4 % !0 4 9>M:[9Z';"2X;=(WW(EZM_@/>@#S75O%FJ:JQ
M!F,$':*(X'XGO0!ADD]30 E !0 4 % '<?#_ %GRYWTF9OEDR\.>Q[C\N?PI
M@>AT@,#QAJO]EZ#*$;$]Q^Z3VSU/Y?TH \CH * "@ H * "@"U8ZC=:;<K<6
MDS1NOH>#[$=Q0![!H6JIK.DPW:X#D;9%'\+#J/Z_C0!HT % !0 4 % !0!5U
M&^BTW3YKR<_)$N<>I[#\30!XUJ>I7&JW\EW<-EW/ [*.P'M0!3H * "@ H *
M "@"2WGDM;B.>%BLD;!E([$4 >TZ/J4>K:7!>1X&\?,H_A;N* /-_&VJ_P!H
M:ZT*-F&U_=K[M_$?SX_"@#FJ "@ H * "@ H * /0?AL[F#48S_JU9"/J=V?
MY"@#NJ "@ H * "@ H X7XC7S)!9V*G <F1Q].!_6@#SZ@ H * "@ H * "@
M H WM \3SZ%;7<*)YBRKE!G&Q_7_ #Z4 83,68LQ)).230 E !0 4 % !0 4
M *JEF"J"23@ 4 >N^$M';1]$1)1B>8^9(#_#D<#\/YYH W: "@ H * "@ H
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M#.K_ -CZQ'*Y_P!'D_=S#_9/?\.M !XGTC^Q]8=(Q_HTO[R$CIM/;\*8&-2
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MY6M6#.Q8[9& _+- #/\ A!M!_P"?9_\ OZW^- !_P@V@_P#/L_\ W];_ !H
MT(- TZWTN738H"+:4Y==QR3]>O84 9__  @V@_\ /L__ '];_&@ _P"$&T'_
M )]G_P"_K?XT '_"#:#_ ,^S_P#?UO\ &@ _X0;0?^?9_P#OZW^- !_P@V@_
M\^K_ /?UO\: -33]%T[2_P#CSM$B;H6ZM^9YH OT % !0 4 % !0 4 % !0
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M'8@]CSS[4 64N8'C+I-&R X+!@0#0 W[;:;0WVJ':>A\P8/.* )Z "@ H *
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M<EE82S0P^?,!\D6<;SZ9_P ]* );6ZBN[2"YB8;)D#K]",T 2AE) ##GIS0
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M % !0 4 5+B]$5U#:1)YEQ*"P7. JC&6)].0/QH ;;W_ )E]+8SQ>5<(HD4
MY5TSC(/UX(^E %MW6-2SL%4=R<"@!U $;RE)8H_+=M^?F4<+@=Z )* *MW>K
M;2P0*GF7$Y(1,XX R23V _J* "&XG:Z>WFMC'A0RR*VY6]NW(H BT[4UU"2Z
MC$31-;R;<$YW*1E6'L: %N]3CM'F7RWD\B+SI=N/D7G\SP>/:@!RZE"VHQ6:
MI(6EB,JR;?D(&.A[GYA0!%%J<SWD<#Z=<1+(6"R,4Q@=\9R/R[T 6K6Z2[C,
ML:MY7\+GC>/4>U !9W<5[;^=#G9O9 2.NUB,_3B@">@ H * "@ H * "@ H
M* "@ H RKNVN(=;@U*"/SD\DP31@@,!G<&&>O.<CWH JZG87.H/=W2PNA6S>
M"!-V'9FP<]>!P._K0!%=Z7))'?1)9,T+^1(J$C#,K9?OUQCZT 2M;W U6"1+
M"1+>*0CY6&2ACQZ\ 'C'MF@".STR:VM=*\NWDCN$8^>Q;.#Y;*">>>2OKTH
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M<;SB>S6)6 X\P;LY] 2V<_6@"4Z'^^M;>,RB)'CFN&+?([(!C ]25&>W'K3
MT-/7==W]PI_=RR@+[[5"D_F"/PI 9IT=EG9[>%V@M894MX)FRK,W8#^[CCGU
M]!0!#%I<\(1H!/);PRPRA9A^\^7(91GL 00/7.* -*VL[F2XO;E)I+43S!E&
MT$E0BKR"..0: (;[3]0?4+:>*XC=1<*QS#RBA2.N[ISZ=30!!;6ES#;Z9 UO
M(S:<SNY ^_A65=OJ3N!_G3 6XLKJ:YGN8%F-OYL,XBDX8NK?,%SR!MQQZCB@
M#2TN"2-[Z>1"@N+@R*IX(4*JC/UVYI :% !0 4 % !0 4 % !0 4 % !0 4
L% !0 @55)( !/)]Z %H * $5510J@!1P .U "T % !0 4 % !0 4 % '_]D!

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