<SUBMISSION>
<ACCESSION-NUMBER>0000912057-02-026553
<TYPE>8-K
<PUBLIC-DOCUMENT-COUNT>3
<PERIOD>20020628
<ITEMS>5
<ITEMS>7
<FILING-DATE>20020705
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>CENTIV INC
<CIK>0001044167
<ASSIGNED-SIC>5045
<IRS-NUMBER>582033795
<STATE-OF-INCORPORATION>GA
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>8-K
<ACT>34
<FILE-NUMBER>000-23221
<FILM-NUMBER>02697128
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>998 FOREST EDGE DRIVE
<CITY>VERNON HILLS
<STATE>IL
<ZIP>60061
<PHONE>8478768300
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>998 FOREST EDGE DRIVE
<CITY>VERNON HILLS
<STATE>IL
<ZIP>60061
</MAIL-ADDRESS>
<FORMER-COMPANY>
<FORMER-CONFORMED-NAME>TEKGRAF INC
<DATE-CHANGED>19970808
</FORMER-COMPANY>
</FILER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>a2083974z8-k.htm
<DESCRIPTION>8-K
<TEXT>
<HTML>
<HEAD>
<TITLE>
</TITLE>
</HEAD>
<BODY BGCOLOR="#FFFFFF" LINK=BLUE  VLINK=PURPLE>
<BR>
<FONT SIZE=3 ><A HREF="#02CHI3535_1">QuickLinks</A></FONT>
<font size=3> -- Click here to rapidly navigate through this document</font>
<HR NOSHADE>
<HR NOSHADE>
<P ALIGN="CENTER"><FONT SIZE=5><B>SECURITIES AND EXCHANGE COMMISSION<BR>  </B></FONT><FONT SIZE=2><B>Washington, D.C. 20549  </B></FONT></P>

<HR NOSHADE ALIGN="CENTER" WIDTH="120">
<P ALIGN="CENTER"><FONT SIZE=5><B>FORM 8-K  </B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=3>Current Report Pursuant to Section 13 or 15(d)&nbsp;of<BR>
The Securities Exchange Act of 1934 </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>Date of Report (Date of earliest event reported): June&nbsp;28, 2002 </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=5><B>CENTIV, INC.<BR>  </B></FONT><FONT SIZE=2>(Exact name of registrant as specified in its charter) </FONT></P>

<!-- User-specified TAGGED TABLE -->
<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="TOP">
<TD WIDTH="32%" ALIGN="CENTER"><FONT SIZE=2><BR>
DELAWARE<BR>
(State or other jurisdiction of<BR>
incorporation)</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="32%" ALIGN="CENTER"><FONT SIZE=2><BR>
000-23221<BR>
(Commission File Number)</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="32%" ALIGN="CENTER"><FONT SIZE=2><BR>
58-2033795<BR>
(I.R.S. Employer<BR>
Identification No.)</FONT></TD>
</TR>
</TABLE>
<!-- end of user-specified TAGGED TABLE -->

<P ALIGN="CENTER"><FONT SIZE=2>998 Forest Edge Drive, Vernon Hills, Illinois 60061<BR>
(Address of principal executive offices) (Zip Code) </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>Registrant's
telephone number, including area code: (847) 876-8300 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="BOTTOM">
<TD WIDTH="100%" ALIGN="CENTER"><HR NOSHADE><FONT SIZE=2> (Former name or former address, if changed since last report.)<BR></FONT>
</TD>
</TR>
</TABLE>
<!-- end of user-specified TAGGED TABLE -->

<HR NOSHADE>
<HR NOSHADE>
<HR NOSHADE>
<!-- ZEQ.=1,SEQ=1,EFW="2083974",CP="CENTIV, INC.",DN="1",CHK=444505,FOLIO='blank',FILE='DISK032:[02CHI5.02CHI3535]BA3535A.;4',USER='MBLOUNT',CD=';5-JUL-2002;09:20' -->
<!-- THIS IS THE END OF A COMPOSITION COMPONENT -->

<P><FONT SIZE=2><A
NAME="page_de3535_1_2"> </A> </FONT></P>

<!-- TOC_END -->

<P><FONT SIZE=2><A
NAME="de3535_item_5._other_events."> </A>
<A NAME="toc_de3535_1"> </A>
<BR></FONT><FONT SIZE=2><B>Item 5. Other Events.    <BR>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On July&nbsp;3, 2002, Centiv,&nbsp;Inc., announced that, on June&nbsp;27, 2002, it filed a lawsuit in Illinois state court seeking to prevent the
termination by Encad,&nbsp;Inc., a wholly owned subsidiary of Eastman Kodak Company, of a multi-year supply agreement between Centiv and Encad. A copy of the press release making this announcement
is attached as Exhibit&nbsp;99.1 </FONT></P>


<P><FONT SIZE=2><A
NAME="de3535_item_7._financial_statements_and_exhibits"> </A>
<A NAME="toc_de3535_2"> </A>
<BR></FONT><FONT SIZE=2><B>Item 7. Financial Statements and Exhibits    <BR>  </B></FONT></P>

<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>(a)</FONT></DT><DD><FONT SIZE=2>Financial
Statements of Business Acquired. </FONT></DD></DL>
</UL>
<UL>
<UL>

<P><FONT SIZE=2>Not
Applicable. </FONT></P>

</UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>(b)</FONT></DT><DD><FONT SIZE=2>Pro
Forma Financial Information. </FONT></DD></DL>

<UL>

<P><FONT SIZE=2>Not
applicable. </FONT></P>

</UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>(c)</FONT></DT><DD><FONT SIZE=2>Exhibits.
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>99.1</FONT></DT><DD><FONT SIZE=2>Press
release dated July&nbsp;3, 2002. </FONT></DD></DL>
</UL>
<P ALIGN="CENTER"><FONT SIZE=2>2</FONT></P>

<HR NOSHADE>
<!-- ZEQ.=1,SEQ=2,EFW="2083974",CP="CENTIV, INC.",DN="1",CHK=477269,FOLIO='2',FILE='DISK032:[02CHI5.02CHI3535]DE3535A.;5',USER='MBLOUNT',CD=';5-JUL-2002;09:53' -->
<UL>
<UL>
</UL>
</UL>
<!-- THIS IS THE END OF A COMPOSITION COMPONENT -->
<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="page_jc3535_1_3"> </A> </FONT></P>

<!-- TOC_END -->
<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="jc3535_signature"> </A>
<A NAME="toc_jc3535_1"> </A>
<BR></FONT><FONT SIZE=2><B>SIGNATURE    <BR>  </B></FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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. </FONT></P>

<!-- User-specified TAGGED TABLE -->
<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="TOP">
<TD WIDTH="47%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD COLSPAN=2><FONT SIZE=2><BR>
CENTIV, INC.</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="47%"><FONT SIZE=2><BR>
Date: July&nbsp;5, 2002</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2><BR>
By:</FONT></TD>
<TD WIDTH="48%"><FONT SIZE=2><BR>
/s/ William M. Rychel</FONT><HR NOSHADE><FONT SIZE=2> William M. Rychel<BR>
Chief Executive Officer</FONT></TD>
</TR>
</TABLE>
<!-- end of user-specified TAGGED TABLE -->

<P ALIGN="CENTER"><FONT SIZE=2>3</FONT></P>

<HR NOSHADE>
<!-- ZEQ.=1,SEQ=3,EFW="2083974",CP="CENTIV, INC.",DN="1",CHK=351853,FOLIO='3',FILE='DISK032:[02CHI5.02CHI3535]JC3535A.;4',USER='MBLOUNT',CD=';5-JUL-2002;09:20' -->
<!-- THIS IS THE END OF A COMPOSITION COMPONENT -->
<BR>
<P><br><A NAME="02CHI3535_1">QuickLinks</A><br></P>
<!-- TOC_BEGIN -->
<UL>
<FONT SIZE=2><A HREF="#toc_de3535_1">Item 5. Other Events.</A></FONT><BR>
<FONT SIZE=2><A HREF="#toc_de3535_2">Item 7. Financial Statements and Exhibits</A></FONT><BR>
</UL>
<!-- TOC_BEGIN -->
<FONT SIZE=2><A HREF="#toc_jc3535_1">SIGNATURE</A></FONT><BR>
<!-- SEQ=,FILE='QUICKLINK',USER=MBLOUNT,SEQ=,EFW="2083974",CP="CENTIV, INC.",DN="1" -->
<!-- TOCEXISTFLAG -->
</BODY>
</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>a2083974zex-99_1.htm
<DESCRIPTION>PRESS RELEASE
<TEXT>
<HTML>
<HEAD>
<TITLE>
</TITLE>
</HEAD>
<BODY BGCOLOR="#FFFFFF" LINK=BLUE  VLINK=PURPLE>
<BR>
<FONT SIZE=3 ><A HREF="#02CHI3535_2">QuickLinks</A></FONT>
<font size=3> -- Click here to rapidly navigate through this document</font>
<P ALIGN="RIGHT"><FONT SIZE=2><A
NAME="page_ka3535_1_4"> </A> </FONT></P>

<!-- TOC_END -->
<P ALIGN="RIGHT"><FONT SIZE=2><A
NAME="ka3535_exhibit_99.1"> </A>
<A NAME="toc_ka3535_1"> </A>
<BR></FONT><FONT SIZE=2>Exhibit 99.1    <BR></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> <FONT SIZE=2><B>
<IMG SRC="g664578.jpg" ALT="LOGO" WIDTH="102" HEIGHT="99">
  </B></FONT></P>

<!-- User-specified TAGGED TABLE -->
<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="TOP">
<TD WIDTH="49%"><BR><FONT SIZE=2><B><U>FOR IMMEDIATE RELEASE</U></B></FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><B><BR>&nbsp;</B></FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><B><BR>
&nbsp;</B></FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2><B>Contacts:</B></FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2>Tom Mason&#151;CFO<BR>
Centiv,&nbsp;Inc.<BR>
847-876-8304<BR>
Email: tmason@centiv.com</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2>Keith Fetter<BR>
Piedmont Consulting,&nbsp;Inc.<BR>
404-233-6999<BR>
Email: keith@piedmont-consulting.net</FONT></TD>
</TR>
</TABLE>
<!-- end of user-specified TAGGED TABLE -->

<P ALIGN="CENTER"><FONT SIZE=2><B>Centiv Files Suit to Block Encad Contract Termination  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;VERNON HILLS, Illinois, July&nbsp;3, 2002&#151;Centiv,&nbsp;Inc. [NASDAQ: CNTV] announced today that it has filed a lawsuit in
Illinois state court seeking to prevent the termination by Encad,&nbsp;Inc., a wholly owned subsidiary of Eastman Kodak Company [NYSE:EK] of a multi-year supply agreement
between Centiv and Encad. Encad filed a counterclaim seeking substantial alleged damages for past and future lost profits and expenses based upon claims that Centiv breached the supply agreement. At
the initial hearing on the case, the parties agreed to a temporary court order ensuring that Centiv would have access to the products supplied by Encad through an Encad reseller at non-wholesale
prices. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;"We
believe that Encad's termination of our agreement is their reaction after failing to be selected by a large Centiv customer for a large equipment upgrade later this year" said
William Rychel, Centiv's President and CEO. "It is unfortunate that Encad has taken this action against Centiv as the result of our customer's decision to replace certain Encad equipment. We believe
that Encad's counterclaim is without merit. We intend to pursue our claims and contest Encad's counterclaims vigorously." </FONT></P>

<P><FONT SIZE=2><B>About Centiv  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Centiv,&nbsp;Inc. [NASDAQ: CNTV], headquartered in Vernon Hills,&nbsp;IL, offers web services for consumer brand companies to manage
their in-store and on-premise POP processes. The delivered product is high quality, digitally produced signage that is mass-customized for the unique requirements of each retail location.
Centiv's&nbsp;P.O.P. services are currently used by leading U.S. Corporations including Action Performance, Anheuser Busch, DuPont, Brown-Forman, GuinnessUDV, PepsiAmericas and TruServ. Additional
information regarding Centiv,&nbsp;Inc., may be obtained by contacting Centiv headquarters, 998&nbsp;Forest Edge Drive, Vernon Hills, IL&nbsp;60061. Phone 847-876-8300 or fax 847-955-1269, or
visit its website: </FONT><FONT SIZE=2><I>http://www.centiv.com</I></FONT><FONT SIZE=2> for a product demonstration. </FONT></P>

<HR NOSHADE>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
press release contains statements that constitute forward-looking statements within the meaning of Section&nbsp;27A of the Securities Act of 1933, as amended, and Section 21E of
the Securities Exchange Act of 1934, as amended. These statements appear in a number of places in this press release and include all statements that are not historical statement of fact. The words
"may," "would," "could," "will," "progress toward," "move forward," "actively pursuing," "increase," "optimistic", "expect," "estimate," "anticipate," "believes," "intends," "plans," and similar
expressions and variations thereof are intended to identify forward-looking statements. Investors are cautioned that such statements are not guarantees of future performance and involve various risks
and uncertainties, many of which are beyond the Company's control. Actual results may differ materially from those discussed in the forward-looking statements as a result of factors described below.
These risks include, but are not limited to, competitive market pressures, material changes in customer demand, availability of labor, the Company's ability to perform contracts, governmental policies
adverse to the computer industry, economic and competitive conditions, and other risks outside the control of the Company, as well as those factors discussed in detail in the Company's filings with
the Securities and Exchange Commission, including "Factors That May&nbsp;Affect Future Results" section of the Company's Annual Report on Form&nbsp;10-K for the fiscal year ended
December&nbsp;31, 2001. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>4</FONT></P>

<HR NOSHADE>
<!-- ZEQ.=1,SEQ=1,EFW="2083974",CP="CENTIV, INC.",DN="2",CHK=563835,FOLIO='4',FILE='DISK032:[02CHI5.02CHI3535]KA3535A.;8',USER='MBLOUNT',CD=';5-JUL-2002;09:20' -->
<!-- THIS IS THE END OF A COMPOSITION COMPONENT -->
<BR>
<P><br><A NAME="02CHI3535_2">QuickLinks</A><br></P><!-- TOC_BEGIN -->
<UL>
<FONT SIZE=2><A HREF="#toc_ka3535_1">Exhibit 99.1</A></FONT><BR>
</UL>
<!-- SEQ=,FILE='QUICKLINK',USER=MBLOUNT,SEQ=,EFW="2083974",CP="CENTIV, INC.",DN="2" -->
<!-- TOCEXISTFLAG -->
</BODY>
</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>g664578.jpg
<DESCRIPTION>G664578.JPG
<TEXT>
begin 644 g664578.jpg
M_]C_X``02D9)1@`!`0$!L`&P``#_VP!#``@&!@<&!0@'!P<)"0@*#!0-#`L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+#`Q-#0T'R<Y/3@R/"XS-#+_
M_@`T1$E32S`S,CI;,#)#2$DU+C`R0TA),S4S-2Y/5510551=0T5.5$E67TM?
M3$]'3RY%4%/_P``+"`$:`2`!`1$`_\0`'``!``(#`0$!``````````````<(
M!`4&`P(!_\0`4A```0,#`0,&!@H/!@8#`````0`"`P0%$08'$B$3,4%187$(
M(C>!D;$4%C)"<G-TH;/1%1@T-3948G6"DI.4LL'2%R,D0U*#,U56HL+A1&/P
M_]H`"`$!```_`)_1$1$1$1$1$1$1$1%Y5-3%20.FF>&L;SG^2X^;456^XBIC
M.[&W@V(\Q;V]JZN@KX;A3":$]CFGG:>HK*1$1$1$1$1$1$1$1$1$1$1>534Q
M4D#IIGAK&]/\EPUTNDMSGWG9;$WW#.KM/:L!95!7S6^I$T)['-/,X=17<T%?
M#<*830GL<T\[3U%92(B(B(B(B(B(O&IJJ>BIWU%5/%!"P9=)*\-:T=I/`*/+
M]MRT99B^."KEN<[?>T3-YN?AG#?1E1[=/"3N#W%MIL--"WB`^JE=(3VX;N@>
MDKE*K;MKRH/]W<:>F[(:1G_D"MEH;:CK2\Z]LE#7WV66EJ*QC)8N2C:'-)XC
M@T*T@YD6HU%5ST=!')3R&-YD#20`>&#UKFOL]<_QMWZK?J3[/7/\;=^JWZD^
MSUS_`!MWZK?J78VR5\]LIY97;SWL!<>LKUJ:F*D@=-,\-8WI_DN'NETEN<^\
M[+8F^XCZNT]JP$19UIJ*N"O9[#:7R..#'T.';]?0N^&2!D8/4OU$1$1$1$1$
M7E4U,%'325%3-'#!&TN?)(X-:T=9)YE"FM?"#HJ$R46E:=M;,,@UDX(B'P6\
M[N\X'>H*U!JV_:HJ3/>;G459SEK'.PQGP6#Q1Y@M*B+K-F7E+T[\NC]:NF.9
M%HM5_>N/XX>HKCT1=S;ZF*DT_333/#6-B&3_`"7*W2Z2W.?>=EL3?<1]7:>U
M8"(O2""6IF;#"POD<<`!=O:;3%;8<\'3N'CO_D.Q;)$1$1$1$1$7/:OUG:-%
M6AU?=9\$Y$,#.,DSNIH]9Y@JJ:[VEWS756152>QK<UV8J&)WB-ZBX^^=VGS`
M+C$1$76;,O*7IWY='ZU=,<R+1:K^]<?QP]17'HBR)ZR:HAAA>[^[A:&L:.;O
M[UCHB](()*F9L,+"^1QP`%V]IM$5LAZ'SN'CO_D.Q;)$1$1$1$1$7*Z\US;M
M"6)U=5D25,F6TM*'8=,_^31TGH[R%4+4VIKIJR]372ZU!EGDX-:.#(V]#6CH
M`_\`9XK3HB(BZS9EY2]._+H_6KICF1:+5?WKC^.'J*X]$1$7I!!)4S-AA87O
M<<`!=O:+3';(>A\[AX[_`.0[%LD1$1$1$1$1:O4-_H=,V*JN]QEY.FIV;QQS
MN/0UO62>`5--9:NN&M-0SW6O=C>.[#"#EL,8YFC^9Z3DKGT1$1%UFS+REZ=^
M71^M73',BT6J_O7'\</45QZ(B+TAADJ)FQ1-WGN.`%VMIMD%MAXN:^=P\=_\
MAV+9;[?]0]*^D1$1$1$1$159VY:\=J'49L5%+FVVUY:XM/"6?F<>YO%H\_6H
MF1$1$1=9LR\I>G?ET?K5TQS(M%JO[UQ_'#U%<>B(B(O6F^ZX?C&^L*2$1$1$
M1$1$7&;4=7>T[0]96PO#:V?_``]*,\>4<#XWZ(R[S!4T<XN<7$DD\22OQ$1$
M1%UFS+REZ=^71^M73',BT6J_O7'\</45QZ(B(B]:;[KA^,;ZPI(1$1$1$1$1
M5A\(74AN.L*>RQ/S!;8<O`/^:_!/H;NCTJ'D1$1$1=9LR\I>G?ET?K5TQS(M
M%JO[UQ_'#U%<>B(B(O6F^ZX?C&^L*2$1$1$1$1%\R/;%&Z1YPUH)<3T`<ZHK
MJ*[/ONH[E=9#XU74OFQU`N)`\PP%K$1$1$73:6T#J36+S]A[>^2!IP^HD.Y$
MWLWCSGL&2IBT9L%NE@U%;+S6WJD+Z.H;,8(8G.#L=&\<>I3NBU]WMSKG2MA;
M*(]UX=DC/0?K6F]J4GXXS]F?K3VI2?CC/V9^M/:E)^.,_9GZT]J4GXXS]F?K
M3VI2?CC/V9^M/:E)^.,_9GZT]J4GXXS]F?K7U%I22.9C_9;3NN#L<F>@]ZZ=
M$1$1$1$1<UM"KW6W9[?ZIA(>VAE:T@X(<YNZ#Z2J2GG1$1$125LBV:^W>[/K
M;@UPLM&X"7!P9G\XC!Z!CB3U8ZU:ZCHZ:WTD5)1P1P4\+0V.*-H:U@'0`.9>
MZ(B(B(B(B(B(B(B(BCO;A.^'91=@PXY1T+#W&5OU*HB(B(B!76V<V"/3>@K1
M0,:!)R#9IB/?2/&\[YSCN`74HB(B(B(B(B(B(B(B(HWVZ^2JX\?\Z#Z0*I"(
MB(B_1SJ^MNF946VEFB_X<D+'M[BT$+)1$4=[8=;7'1&FZ*KM3X!5SU8BW9H]
M\%FXXG`SU[OI4+_;`:V_U6[]U_\`:^OM@M:]5L_=C_4GVP>M>JV?NQ_J3[8/
M6O5;/W8_U)]L'K7JMG[L?ZD^V#UKU6S]V/\`4GVP>M>JV?NQ_J67;-O.LZVZ
MT=*X6W=FG9&<4QS@N`_U=JL^$1$1$1$1%P>V6C]F[*KVT>ZC9',/T9&D_-E4
M\/`HB(B(K9[$=6Q:BT-!022`UUJ`IY&D\3&/^&[NQP[VJ3$1%5K;YJV*^ZMA
MM-)('TUJ:YCW-.0Z9V-_T8:.\%1*B(B(M]HBE?6ZZL-/&,N?<(/0'@GY@5>$
M(B(B(B(B+4ZHMOV8TI=K:!EU51RQ-X9\8M('SX5%R""0001SY7XB(B(MWI35
M5ST=?8;M:Y0V1GBR1N]Q*P\['#J/S<X5K-%;5-.:S@CCBJ64=R(&_15#P'9_
M(/,\=W'K`7<+RJ*F"D@?/4S1PPL&7R2.#6M'62>`4([2=NE)3TLUITE/R]4\
M%DEP;[B(=/)_ZG?E<PZ,]%='.<]Q<XDN)R23DDK\1$1$4B;$+8;CM2MKR,LI
M&25+_,T@?]SFJW:(B(B(B(B*E.T:Q'3NO[Q;PS=B%0Z6$=')O\9OS''F7+(B
M(B(F2%O*'6>I[;'R=%J"YP1_Z(ZIX;Z,K"N-[NMW?O7*Y5E8[.<U$[I/65@(
MB(B(BL)X-UC+:>\WZ1N`]S:2$XZO'?ZV>A3VB(B(B(B(B@+PC=,.>RVZF@9G
M<_PE20.8<7,/IWAYPJ^HB(B(B(B(B(B+ZCC?+(V.-I<]Q#6M`R23S!79T%IL
M:3T5;+00!-%%O3D=,KO&=W\3CN`72(B(B(B(B(M5J2Q4NIM.UUGK!_<U419G
M'%IYVN':"`?,J1WBU55CO%7:ZZ/<J:65T4@[1TCL/..PK!1$1$1$1$1$1%*F
MPS1CM0ZN;=ZF+-OM1$F2.#YO>-[<>Z/<.M6K1$1$1$1$1$4([>MGYN5#[:[;
M#FJI6;M:QO.^(<S^]O3V=RK<B(B(B(B(B(BSK/::R^W>EM=OA,M54R".-@ZS
MTGJ`YR>@!71T7I6DT;I>DL]+AQC&]-+CC+(?=._D.P`+H$1$1$1$1$1%\O8V
M1A8]H<UPP01D$*J^V'9@_25R?>+5"38ZE_N6C[E>?>'\D]!\W5F*D1$1$1$1
M$1?4<;YI&QQL<][R&M:T9))Y@!UJU6Q[9D-'VW[*W6)IO=6S!:>/L:,^\'Y1
M]\?-T<931$1$1$1$1$1%CUU#2W*BFHJV!D]-,PLDBD&6N:><%58VH;(ZS1]1
M+<[6R2IL3SG>]T^FS[U_6WJ=YCQYXO1$1$1$1$7K34T]94QTU-"^:>5P8R.-
MI<YSCS``<Y5F]DVR"/3#8KY?HV27@C,,/NFTH/K?V\PZ.M2^B(B(B(B(B(B(
MB^9(V31NCD8U['@M<UPR"#S@A0/M#V"-F=+<]'M:QYRY]M<[#3\6X\WP3PZB
M.90%6T-5;JN2DK::6GJ(CNOBE86N:>T%8Z(B(B(BZ326A;]K.M$%IHW.B!Q+
M4R>+%%\)W7V#)[%9_9_LKLVA814-_P`9=G-Q)62-QNYYPP>]'SGKZ%WB(B(B
M(B(B(B(B(B+GM4:(T_K"EY&\4$<KVC$<[?%EC^"\<?-S=B@S5/@[W:B+Y].5
ML=PAXD4\Y$<P[`?<N_[5$UWT]>+#.8;M;:JC>#@<O$6@]QYCYEK41$3!76Z=
MV::MU.YIH+/.R`__`"*@<E'CKR[G\V5,^DO!YM=`Z.IU)5FXS#!]C0Y9"#VG
MW3O^U3'14-);J2.DHJ:*GIXQAD43`UK1V`+(1$1$1$1$1$1$1$1$1>4]-!50
MNAJ(8Y8G##F2-#FGS%<A=-DVA[LYSY]/TT4CN.]3%T/'N80/F7*5O@ZZ4G&:
M6NNE,[XQCQZ"W^:UQ\&RT^]U!6CO@8?YKZ9X-ME#ARE^N#F](;$P'T\5O*#8
M#HFD<UT\=?6X'%L]3@']0-796?0VE["0ZV6*A@>.:3D@Y_ZSLGYUT"(B(B(B
M(B(B(B(B(B(B(B(B(B(B(B(B(B(B(B(B(B(B(B(B(B+3WC5>G[!*V&[7FAHI
M7-WVQSS-:XMZP.?'`KQT]K33^JIZJ&R7%E8^E#3-N,<`W>SCB0`>8\RWR+F]
M9ZWM&AK4VNNKY"97%D,$0S)*X#)P#PP.DGAZ5RND=M^GM57F*U.IZJ@J9W;L
M!GW2R1W0W(/`GHSW94G(B(B(B(B(B(B(B(B(B(BJ]X17E"H_S;'])(MYX-'W
M7J3X%/ZY%85%#.WK0]XU'2VZZVB"6K=1-?'-31C>?NN((<T=/$8(''F44;/=
MG.I;MJZW2/M=914E-4,FFJ:B%T;6AC@2!G&7'&``K>HB(B(B(B(B(B(B(B(B
M(BJ[X1?E"H_S;'])(M[X,_W7J3X%/ZY%85$1$1$1$1$4<:QVT:9TI4244;GW
M.X1G#X:8C=8>ISSP![!DJ-:GPD[TZ8FDL5OBBZ&RR/>[TC=]2S[+X24AF#+Y
M8F<D3QEHI3EH^`[G_6"F?36K;)JV@]F6:NCJ&#&^SF?&>IS3Q'_["W:_"0!D
MG`"BW5FW;36GIY*2WM?=ZMAP[V.\-B:>KE..?T05'\WA)7UTKC!8[:R/H:]\
MCB.\@CU+86CPDYN5#;S8(S&3QDHYB"T?!=S_`*P4S:7U?9-86[V99JQLS6X$
MD9\62(]3FGB/4>@K>HH(N'A&FAN551^U??Y"9\6][.QO;KB,XY/L4DVC:!;*
MK0-'JR[OBM=-4-<2R27?P0YS=T<`7$[N<`94:W_PD*:*5\5@LKIV@X;45DFX
M#^@WCCO(6D@\)*^MF::BQVU\6?&;&^1CCW$DX]"EG06U2QZ[S30!]'<F-WG4
MDQ!+ATECAP<!YCV+NE\R.W(W.QG`)5,-HFMWZ]U#%='T#:(Q4[:?DVR\IG#G
M'.<#_5\RS=FVTF39W+<7LM;:[V:V,$.GY/<W"[\DYSO?,I9TEMWK=5:IM]DA
MTU'&:N7<=(*PNW&@$N=C<&<`$J:UR6T/7$>@=/Q762A?6<K4"!L39`SB6N.2
M<'AXO4N"T5MOK]8Z[M]D%GIJ2DJ>4WG&5TD@W6.<,'@.<=2FI1_K[:S:M!U;
M*"HH:RJKI(A*QC`&1EI)'%Y[1T`KXV6[3/[08;D*BEBHZJEE!;"QY=F)PX')
MYR""#P`YE(:+C=I>M_:)I8W&&**:LEF;#3Q2YW7$\7$XXX#0?/A:'0.VBWZU
MNL-H?:JJDN$C2X;KA+%AH))+N!'-TCI74U6T31]%5S4M3J*WQ3PO,<D;Y<%K
M@<$'M!7M#KG2]1!3SPWRB?%45'L6)[9.#Y<`[@[?&'I6SNUXMUCH36W2LAI*
M8.#3+*[`R>8**-N>T2?3]#'IVTSF*OK(]^HF8<.AB/``'H<[CQZ`.U0+H[2%
MSUM?X[7;F@$C?FF?G<A9TN/IX#I)5B[5L`T;14C8ZYE7<)_?2R3NC&>QK,8'
M?GO6#J#P>-.5L#G66JJK=4`>*U[^6B)[0?&]!\RSME&R9VB7RW2ZSMFNT@=$
MUL#SR44>?-O$XSQ'#HZU*B@';OM'GIYW:0M,QC\0.N$K#@G(R(@>@8P3UY`Z
MU%^S[9[<=?W=U/3N]CT4&#4U3FY$8/,`.EQP<#L5@[?L(T+1TK8JB@J*V3&#
M+/4O!)[F$`>A<IKCP?Z#[&S5NDWSQU43=[V%*_?;*!T-<>(=WD@]BA/2FJ+E
MHS44%TH'N;)$[=EA)($K,^,QPZC\QX]"NI9KK37RS4=THW;U/5PMEC)Y\$9P
M>T<WF6<51+4/X273Y7+_`!E=+I/2FJ-I$E+;J:5WV.MS.3$TQ(AIFDEQ``YW
M$DG`XGIX*;;/X/>DZ*`"XS5MQF(\9QEY)F>QK>(\Y*YK:+L)M]OL=3>-,/J&
MOI6&66CE?R@<P<Y8><$#C@YRH,M5SJ[+=:6Y4,IBJ::02QO'6/Y'F(ZBKR6.
MZ1WNQ4%TAP(ZNG9,`.C>:#CS<RSG-#FEIYB,%5(VSZ3M&C]64E#9J=\-/+1-
MF<UTCGDN+W@G)/4`MCL2T/8=:3WIE\I7SBE;"8MR9S,;Q?GW)&>8*==.;+=)
MZ5N[+I::"2*K8QS&O?4/?@.&#P)ZEV2B#PC/)_0_G-GT<BA_8GY6K+_O?0O5
MOU#OA":9^R6DJ>^0QYGMDF)"!SPOP#Z';I\Y4.;(M2^UC:'02R2%E+5GV)4=
M6Z\C!/<[=/I5Q456=ONJ!>-:LM,$A--:F<FX`\#,[!?Z!NM\Q78>#II?D:"O
MU-41^/.?8M,2/>-.7D=[L#]$KM-I%#2-J](/%+`'2:DI@\\F,N!:_.>'%:K:
MOIZ.[5VE[31L93OGGJW1<FT-`E;3ES#P_*:U<]KR^^WG1U`T/<UE+9I;Q6L`
MP!,/[EC#W2<J<?DJ'=H%\.HM=WBY@DLEJ"V/)SAC0&M^8!3[X/=CBH=#374Q
M_P"(N%0[QR/\MGBM'IWSYU+J(OB61L43Y'G#6`N/<%1.^726]WZON<SB9*NH
M?,<]&\XG'F'!6`V3ZVT-I+05)1U=[IX+A,Y\]4TQO)WR<`$AO0T-"[?^V#0/
M_4=/^RD_I3^V#07_`%'3_LI/Z55S7\]KJM=WBILLS)K?/4&:)[`0#O`.=@$#
M'C$JQNP2MDJ]F%/$\DBEJIH6Y.>&0[_S*DXJB6H/PEN?RN7^,JV&QB&*+919
M#'&UAD;(]Y:,;SN4<,GK/`>A=ZOF2-LL;HWC+7`M(ZP50FKB;!73Q,]RR1S1
MGJ!PKD;*_)AI[Y(/65V"K%X1WX>6_P#-K/I)%N/!G^Z]2?`I_7(K"HH@\(SR
M?T/YS9]'(H?V)^5JR_[WT+U;]8ETMU/=[55VZK9OT]5$Z&0?DN&"J-WNU5%@
MOU;:ZD%L]),Z)QZ\'@1W\#YU<39OJ7VUZ$MER>\.J>3Y&I^-9XKCY^!\ZVVI
MKW#IO35PO$^"RD@=(&DXWG>];YS@>=4D`KM07T#QIZ^OJ/.^1[OK*NWIJR0:
M;TW;[/3X,=)"V/>`QO.]\[SG)\Z^;[IZFO[[6^HEEC-NKHZZ+DR/&>P$`.R.
M;QCS)<]/T]UO-GN<LLK9;7+)+$UF-UY>PL.]PZCT+00[,++3T.I:6&6I8V_N
M)G<"W,0))W8^'`9<X\<\ZIW4024M5+3S#$D3RQXZB#@JW6Q6HCGV3V81XS%R
ML;QU.$KOK"D!$6-<6E]MJFMSET+P,<_N2J%=*EFP;![OJ"P4%WIKS;V0UD+9
MFL<U^6Y',<#G',ME]K=?O^>6W]63ZD^UNOW_`#RV_JR?4OS[6Z_?\[MOZLGU
M*8MF>C:G0VE#::NIAJ)34OF+X@0W#@`!Q[EV15$M0?A+<_EDO\95M-CGDFL'
MQ<GTKUW*%4*N/WUJOCW_`,15Q=E?DPT]\D'K*[!5B\([\/+?^;6?22+<>#/]
MUZD^!3^N16%11!X1GD_H?SFSZ.10_L3\K5E_WOH7JWZ*M?A$:8]A:@H]101X
MAKV<C.0/\U@X$][<?JKV\'34WL:\5^FYG_W=6SV13@G_`#&CQ@.]O']%;CPC
M-3\C06_3,$GCSN]E5(!]XW(8#WG)_1"Y+P?],?9;64EYGCS3VMF\W(X&9^0W
MT#>/H5HT1%4/;3IN2P;1*V9L0927'_%0%HP./NQWAV?,0N[\'C6,$3*O2E7*
M&222&IH]X^Z.`'L';P#@/A*P*+\!#AD$$=B_52?:#IZ73&N;K;7MQ&V=TD!Q
MP=$\[S3Z#CO!4\;`M84]STI[79Y0*ZVEQC83Q?"XY!'7@D@]0PI@1?F1E?J%
M42U!^$MS^62_QE6TV.>2:P?%R?2O7<H50JX_?6J^/?\`Q%7%V5^3#3WR0>LK
ML%6+PCOP\M_YM9])(MQX-'W7J0?_`%T_KD5A440>$9Y/Z'\YL^CD4/[$_*U9
M?][Z%ZM^BY':9IGVUZ"N5O8S>J6,Y>FX9/*,X@#O&6_I*H>G+S-IS4MONT&1
M)23MDQG&0#XS?.,CSK-USJ5^KM8W&\'>$4TF[`T\[8F\&#OP,GM)5H]D>E_:
MML_H8I8]RLK![+J,C!#G@8:>YNZ._*[I$1<EM!T)1:\T\:&=PAJXB9*6IQDQ
MOQT];3S$>?G"J;J#2^H-$7=L5QIIJ2:-^]#4,)W'D'(<QXY^OK'8NTM.W[65
MMI&4\XH;ANC`EJH3OD=I:X9[R,K!O^VS6E^IW4XJXK?"\8<VA88W.'PB2X>8
MA27L'H-;45/(;C&Z+3L@+XHZO(DWS[Z,'B&GISP/..E3<H]VI[-(=>VMDU*Y
MD%XI6D4\KN#9&\YC=V9X@]![RJNU=!J#1%^8*B*KM=QIW;T;^+3WM<.#AVC(
M*[VW^$'K&CIVQ5$5MK7-&.5F@<UQ[]QP'S+RN.W[6M=$60.H*'(QOT]/EWI>
M7>I86A+_`*VNNT*WWBG%RO,\4FY.'.+F\D[@]I)\5@QQ',,@*W*%42U!^$MS
M^5R_QE6TV.>2:P?%R?2O7<H51S5]EJ]/ZMN5NK(G1R1U#RW/OV$DM<.L$8*M
MGLK\F&GOD@]978*O'A':?K'7&V:@CB<^C$'L65[1D1N#BYN>K.\?.%%FBM<7
M;0EVDKK7R+^5CY.6&=I<Q[<Y&<$$$'F(*F/06VV]:JUY;K1<*6@IJ*IWV?W+
M';V]N$MXN<>D8\ZG=1!X1GD_H?SFSZ.11EL$L5;7[1(+I%&[V);HY'S2XX9<
MPL:W/6=[/<"K6(BISM<TQ[6-H-?#%'N4E6?9=/@8`:\DD#N=O#T+*V3[/*K6
M6HX:FHA<VS4<@?4RN'BR$<1&WK)Z>H>96\`P,(B(BQ:^BI+A224U;30U,#F^
M-%-&'M/>#P54]H-LH**\.92T--`S>/BQ1-:.<]04B[$K+:IXS536RBDJ(V[S
M)7P-+VG/."1D*<!S+]1:^\6VAN=NE@N%%35<(&1'41-D;GKP055#6MNH:6Z;
ME/1T\+<>YCB:T?,%TFRZRVJX5\+:VV452#(`1-`U_0>L*RE+24U%3LIZ6GB@
MA:/%CB8&M'<!P7NBY671VF)9GR2:<M#WN<7.<ZAB)))R23NK?VVCI:"WQ4M'
M30TU/&"&10L#&-XYX`<`LM%I[S8K1=GQ/N5JH:U\>0QU33LD+1U#>!PL^WTM
M/14$--2014\$;=UD43`QK1U`#@%DK'KJ:"KH9Z>IACF@D86OCD:'-<,<Q!X$
M*D.IX(J?4M=%#$R.-LS@UC&@`#L`4F;#[?15%]BFFI*>26*4.C>^,%S"`<$$
MC@59H<RUUYM=ONU*R"XT--60MD#Q'4PMD:'8(SAP/'B?2O2U6ZAM="VGM]'3
MTD&2[DZ>)L;<]>``%FHBTUZL5GN\L4ERM5#6OC:6L=4T[)"T$\0"X'"V=+34
9]'31T]+!%!!&,,CB8&M:.H`<`O9$1%__V3\_
`
end

</TEXT>
</DOCUMENT>
</SUBMISSION>
