2022年初级银行业专业人员资格考试-个人理财模拟试题3

《2022年初级银行业专业人员资格考试-个人理财模拟试题3》由会员上传分享，免费在线阅读，更多相关内容在教育资源-天天文库。

2022
ᕒὃ-ᳮ⚪3
⚪⌱⚪⚪⚪ᑨ⚪⚪▬⚪ᑖᑖᔁᑖஹᓫ⚗⌱⚪1.ᑡᐵ#$%&'()ᑶ+,Ḅ./0123Ḅ4()OA.78ᩭ0ᑭ᳛<=0>ἠ@ABCᓣB.᝞FGHIJKLMNOᜓQ᳛0)ᑶ+,@ABR#CSJC.᝞FGHIJTUVWḄ$%&'0>ἠ@ABCSD.᝞FGHIJKLXYZ᳛0[\)ᑶ+,J]^_`᪆bGHIJKLcdOᜓQ᳛0e☢ᖪhIJijᵨḄlQm[no0pNqr<0ᖪ,$%stu[vwnoxye☢zhḄ{|᡽~ᢓᑴ,ᑭ<஺0cdMNOᜓQ᳛KL0)ᑶ+,@AR#`஺2.ᳮ|ᳮḄ4஺஺A.|B.ᢝ├C.ᡝ◤D.☄V᪆bᳮ|ᙠMḄᳮ4☄¡ᡝᢗ£¤¥ᓻ§ᜐᳮ஺3.ᑡᐵ#©⊝«QḄ8c0┯Ḅ4()஺A.©⊝«Q7®25%5096Ḅl|ᢗl#¯°1±ᱯឋḄ)ᑶC

1B.©⊝«Q7®25%50%Ḅl|ᢗl#¹º>0ᐸ¼Ḅᢗl#½ᑶ¥¾ᐜ>JC.©⊝«Qi¤Â¹º>ḄᓣÃᦈÅD.©⊝ឋ«QḄᱯ4Ç◅ÉÊË᪆b©⊝«QBl|ᑖÌᢗl#¯°1±ᱯឋḄ)ᑶC0Íᙠ¤UᦈᐭÏÐḄḄ½ᑶ¥¾ᐜ>¡¤lÑÒÃÏÐḄḄ¹º>ÓÔJ©⊝0ᦑA⌱⚗23x©⊝«QḄ×⌕ÐḄ4ÙᐸᢗlÚᔠḄ½ᑶGᑮ〉ÞḄᑭᦈÅ0ß±=ài¤Â¹º>ḄᓣÃᦈÅ0ᦑC⌱⚗23x©⊝«QḄᱯ4Ç◅ÉÊË0ᦑD⌱⚗23஺©⊝«Q7®25%50%Ḅl|ᢗl#½ᑶ¥¾ᐜ>0ᐸ¼Ḅᢗl#¹º>0ᡠ¤B⌱⚗┯஺4.᪷äå§᪀Ḅvᐵçd0ᖪhIJwèéᳮÙhᕒ()ᳮᑴë0ìᗐᳮhîᕒḄOᐭ§ᑴ஺A.ïᦔñòB.Ç◅óC.ᢝ)CôVD.hîὃ᪶᪆bGøIå[ùúᔉüᐵ#ÔýçᖪhIJÿᳮᨵᐵ⚪Ḅᩩᖪᳮᕒᢝᳮᑴ"#$ᗐᳮᕒḄᜐ'(⌨*+ᑴ#,-.ᳮᕒḄᢝ/012(345ᦟ7#⌕9ᑴ#.:;<=ᡈ?@ABC├EḄᕒ#FGHIᐸKᐵLM#NOPᳮQ9Ḅ9R஺5.VᑡXYZ[\ᡝḄ^XYḄ_()஺A.c⚜eB.g◅ᱯjC.ᦈᐭno*VD.ᢗLtuv᪆^XY_xyᵨ{|^ᓄᑖ᪆Ḅ\ᡝXY#ᒹ\ᡝḄL(Q#ᦈᐭno*ஹᓫXYஹᕒᑭஹὁᑜឋXY_ᵨ{|^ᓄᑖ᪆ḄXY#ᒹ\ᡝḄc⚜eஹg◅ᱯjஹᢗLtuஹᳮஹஹᐵ஺6.ᳮᡠ☢Ḅᨬ¡¢£ᨬ¤⌕Ḅg◅_஺஺A.¥᳛g◅B.§ẠLḄ©ªg◅VC.o«ᩩ¬Ḅo«᪀ᩩ¬

2D.ᳮ+ᑴḄᢗLᳮg◅v᪆ᡠ:Ḅ¯ᳮᜧ<ᦪ_n²Ḅ§ẠLᢞ´Ḅ᪀ឋᳮ#µ¶ᳮLḄᨬ·¸ᵨ¹ᔣ»ᓽ§ẠL½ᡠ☢Ḅ©ªg◅_ᳮᨬ¡¢£ᨬ¤⌕Ḅg◅஺ᦑB⌱⚗ÁÂ஺7.Vᑡᐵ[{|Äᳮ⊤Æ┯BḄ_»½஺A,¤⌕ᢗL[{|©ªḄᳮB.ᢗLeÉ#LÊËᮣÍC.ÎஹᦈÏÐᐰឋÒD.ÓÔÕeÖ¬Ḅ×ØVv᪆{|Äᳮ_ᢗL[{|©ªḄᳮ஺¤⌕ᢗL[XᵨÙÚ?ÒஹÛÜឋ?uḄÝÞᐹ#ᒹàஹÝஹáἠãஹᑶËå(ÒXᵨÙÚḄæஹçèஹÉeÝLᑶ#yFéêéᐕìᢗLḄᐸíÝÞᐹ஺{|Äᳮ¤⌕ᨵᢗLeÉ#LÊËᮣÍ#ÎஹᦈÏÐᐰឋÒᱯî஺ïðÓÔÕÍeÖ¬Ḅ×Ø஺8.¹ᐜ;åóôçèõἠ#ïçèḄᑖö_1.2ᐗ#úᩭ3ýyþý10%Ḅ3Ḅᑭᐗ஺A.5.92B.1.31C.2.43D.1.60J᪆:3ᑭ=1.2X1.13$1.60஺9.%ᑡᐵ(ᖪ*+,-./0ᳮ2*345ᩩ7Ḅ⊤9┯;Ḅ<஺A.=>?@ABᑁDEFGHIᡝᑭKḄLᜧN7VB.ᐹᜓᨵᦔḄTUV◅XYஹ[\ஹ]^_`ᑴbcC.ᨵᐹᜓ-.dᐵ*3efgh_iXḄjklᳮ0ᕒஹn*0ᕒD.ᐹᨵdoḄV◅lᳮbc_ᑁp`ᑴᑴ᪆qrᖪ*+,/0ᳮ2*3lᳮᨚ,tuvwxᓝzᩩ{|qᖪ*+,-.◤⌕ᢇḄ/0ᳮ2*3oᐹᜓ%ᩩ7qজᐹᨵdoḄV◅lᳮbc_ᑁp`ᑴᑴ;ঝᐹᜓ-.dᐵ*3efgh_iXḄjklᳮ0ᕒஹn*0ᕒঞᐹᜓᨵᦔḄTUV◅XYஹ[\ஹ]^_`ᑴbc;ট=>?@AᑁDEFGHIᡝᑭKḄLᜧN7;ঠ+,*]ṓlᳮᕒ{|Ḅᐸឋᩩ7஺ᦑB⌱⚗┯;஺10.%ᑡ⌱⚗(TUᱯḄ<o

3A.TUᖪḄᱯឋB.TU᧕¢£Ḅ¤ឋC.TU᧕¥bḄ¦BឋVD.TU᧕§¨ḄB©ឋ᪆qTUᱯᒹ«qTUᖪḄᱯឋTU᧕§¨ḄB©ឋTU᧕¢£Ḅ¤ឋ᧕¥b¬⁐Ḅ®¯ឋ஺11.°᜜²lᳮ³Ḅ´ᑏ<()OA.SAFEVB.SBFEC.SCFED.SDFE᪆:°᜜²lᳮ³(StateAdministrationofForeignExChange,SAFE)⃩├ABḄᔠ"ឋEᳮḄ"F;⌕Hᙠ✌⚓ᨬ⏨KLMNOP◅;RSᨬTᑭḄᢗVWᢗ஺XYZᙠ78[\ᩞᧇ]^_`ஹbcḄdefgdehiḄᳮ+56;Tjᙠ78[\ᩞᧇkl“⚜oᦈq᳛”ᡈ“ᨬuᦈq᳛”v᪵஺14.z{|▭~ᨬஹᨬᐹᨵḄ%,()o

4A.%,B.ᩗᢗ%,C.᪀ឋᳮ+56VD.|▭%,᪆%,&'Ḅ8%,;ᦑAஹD⌱⚗Tᔠ⚪஺ᩗᢗ%,P◅ᜧ;|¡᝞ᡃ|¤Ἥ¦&'§¨©ª%,஺᪀ឋᳮ+%,«ᵨ~®ᢈ°;±²ஹ³´µᑶ·¸Fᦈq56>~¹º6¡᝞»oஹoᩗஹᣵo·¤½ᔠᙠ¾¿WᡂḄÁª~56஺KÃ;᪀ឋ56ÄÅᡂÆz{|▭~ᨬஹᨬᐹḄ%,஺ᦑC⌱⚗Çc஺15.1È¿É;ÊᑡÌÍÎÏἠÑÒÓḄÅÔÕÖ×BoA.Ø']uZF²bᜓ~᳛B.ÚÛÜÝÞÜᢗÓVC.ß%ᡠjáá᳛âD.|ᑁº4äåḄ1æçè᪆ÚÛÜÝÞÜᢗÓᕡḼ᦮(ìíÅÔîï;ᙠðÁVÖÊ;ß%Ḅñï;ÑÛÓ஺ᦑB⌱⚗Çc஺16.>ᖪ%&'òñ;ÍÊ⌱⚗óôᡲö÷ᙠ()ᳮ+ø,ᜐúûᙢLḄ¡¤A.ᐹᨵSýþÿḄ
ᡲ├Ḅឋ⌲B.
ᡲᑣᢗẠஹᙢ⚗"ஹ#ἠஹἠ%&'()*+,-VC.
ᡲḄ/01ᨵ▲45ᑁ789
ᡲ:;<=D.
ᡲᙠ?@ᔠ,
ᡲBᑜD4EᔣGᡝIJKLM,ḄNᐰPKL⚜RᦈTḄUVW᪆Yᵫ[ᡃ5ᖪ*^_`ab4᛻ᑁᖪ*Ede⃩Lᑶ+
ᡲ*h4iEdj,ᢗᔣklᵨḄnb+#ᩗpḄᢗ4qr
ᡲᑣᢗMஹᙢ⚗"ஹ#ἠஹἠ%&'(s*+,-4ᑣ
ᡲᙠtu☢ᓰᨵxy஺17.|ᑡᐵ[+Ḅ^4E`ḄroA.ḼᑭB⚣᳛Ḅ4s▭ᑭ᳛4,ḄVB.R▲4ᑭ᳛4ᜧC.ᢗḄD4ᙠbDRRᡠḄ,¡D.ᑭ᳛¢ᡈ¤,ḄR4¤,Ḅᜧ

5W᪆Yi¥ᙠᵨ¦4ᢣᢥ᯿⚜Bªᐸᢝ®ᵨ+ᨬᜐ±ᡠ²Ḅ³ᩭµ,ᐭᢚḄ,¡4ᓽᙠ+jᩭ(ᡈº)Ḅ¼½¾ᡈ½¾ᙠ¿ᜩḄ¦஺ÁÂ4ḼᑭB⚣᳛Ḅ4s▭ᑭ᳛Ḅ4,ḄÃ=஺A⌱⚗^┯Æ஺18.|ᑡᐵ[᜜ÈᢞÊpᳮÌḄRᩗÍWḄ^4┯ÆḄr()oA,RᩗÍWᑖÏÐᓽ¾+ÑᔣEÐ?RᩗB.Ðᓽ¾RᩗḄᳮÌBᑜᑮRD4ÓᨬÈ᳛ᦈÔ¦¢[Ð?È᳛4ÕÖ×=KLᢗ,¡X(1+ᨬ¢Ö×᳛)C.Ðᓽ¾RᩗḄᳮÌBᑜᑮRD4ÓᨬÈ᳛ᦈÔ¦¢[Ð?È᳛4ÕÈ×=KLᢗ,¡X(1+ᨬ¢Ö×᳛)D.ÑᔣEÐ?RᩗᢣᙠbᢗRᑁ4ÓᢞÊ᜜Èᙠ᦮ÚR³ÛÐPᓬuᡠ⚜ᐜbḄÞÚÐPß4ᑣᓬuE½¾àáÑuâbḄÖ×᳛VW᪆YÑᔣEÐ?RᩗᢣᙠbᢗRᑁ4ÓᢞÊ᜜Èᙠ᦮ÚR³ÛÐPãuᡠ⚜ᐜbḄÞÚÐPß4ᑣãuädàáÑuᡠåbḄÖ×᳛஺ᦑD⌱⚗┯Æ஺19.ᑭᵨÚçᳮÌ*hª)èéêë◤íîïᐵðñçḄ()oA.ᑛ)ðñVB.8)ðñC.óðñD.⍝õðñW᪆Y◤íîᑛ)ðñḄö÷ø⌕r9úûüðḄℏ)ஹþÿᳮ
ᕒᐸ
ᕒᜐᳮ᪀ᡂḄᑛᒹজ!"#
ᳮ$%&⌼ᡂ(ᡈ*ᡝ,ᜧ./0ᜫḄ;ঝ4567ᐵ9◅;ᳮᑴ=;ᳮ>?ᡈ@56AB#ᑴ=C4DE⌼ᡂ,ᜧ./0ᜫḄ;ঞG☄ᡈI"-3Lᵨ*ᡝ#
NᧇP᧕RSTU⌼ᡂV,WXḄ;টᑭᵨ#
ᳮ$%&[\]ஹ⌫`abcḄ;ঠeᵨᓫg;ᳮḄ*ᡝNhḄ஺[\]bcj.kᑛA◤⌕7ᐵḄᑛ஺20.᪷opᖪ%(ᳮ$hr├t;ᳮuvwᑡyz{|}~*ᡝḄ()OA.ᳮ$hr80ᐗ#
B.AᨬḄᦈᐭI20ᐗVC.Aᨬ28ᐗḄᦈᐭD.¡ᓫ¢{ᳮ$hr50ᐗ
£¤

6¥᪆~Nh*ᡝ§¨wᑡᩩª«¬Ḅᖪ%(*ᡝজᓫ¢{ᳮ$hrI100ᐗ
£¤Ḅ°ᯠ
;ঝ{ᳮ$hr#
ᡈ²³Nh´µ¶·100ᐗ
£¤¸¹7ᐵḄ°ᯠ
;ঞ#
ᦈᐭᙠᨬ3¶·20ᐗ
£¤ᡈὅᔠµᦈᐭᙠᨬ3ᑁ¶·30ᐗ
£¤¸¹7ᐵḄ°ᯠ
஺21.wᑡ#
ᑜ}ÂI¹ÃᑮᔠᳮÅ`ÆḄḄ()oA.Ëᦈᐭ̲zÍᑮÎÏÐÑÒ`VB.Õ%}ᕒÖ×ØÙᙠÖNÂᡷ◀ÜᑖÞ×Øß²C.zá├âᵨEᱥäåÍÜᑖᦈᐭD,ᑖÑèéᝄ²¥᪆`ᦈᑜëìᙠí`}îïðñḄᐜ}஺Ëᦈᐭ̲îïᙠí`}WI¹ÃᑮᔠᳮÅ`ÆḄ஺22.#
óἠᢗNö⌕☢ø#
ᡠÍ`()oA.ú`B.ᓺü`VC.⃩%`D.NþᑭÍ`¥᪆óἠP᧕ᓺü`[ÿᓺᩭḄ┐ἠ᧕ᦈḄ஺ᡃᑶ!"#$ᓬஹ'(ஹ)*ᡠ,-Ḅᩗ/012ᢥ,-45▭!"789:Ḅ;ᦈᓺ஺ᦑB⌱⚗@,஺23.ᢗEὅ⚜Hἠ78I#ᓣK⚜ᐜ$MNἠ᝞Pἠ78#ᓣQRSIᐜT$ᐭḄἠᓬVWᑭ஺YᡃZ[\᧕]^_`()஺A.de᧕B.Hᩗ᧕C.gᜮ᧕D.jᜮ᧕Vm᪆oRSᐜ$ᐭpᓬVḄ᧕]^`jᜮ᧕஺24.rstu18ᕜy`zᜧ|}t~|ᩭ|ᐰ☠᱄dᔣzᵭ|2.2ᐗ᝞2tᑮHᵫ()ᩭ(¡¢஺A.rs᱄ᐜ£¤SᵫrsB.rsJC.rs᱄

7D.|᪥m᪆oᢥ᯿¨©ᑣ«¬ᯠMḄ©®`¯᪷2¬ᯠMḄt±²³´Ḅᑖ¶ᓝ¸ᕜyS#Ḅ¹©ᡂtMᐹᨵ½ᐰ©®`¯RS¾-¿©®À½ᐰ©®`¯M஺rsᐹᨵ½ᐰ©®`¯ᵫrs¬Á(¡¢஺25.zᨵÃÄᳮÆÇÈ1ÉᳮÆÇÈḄHÊᦈË᳛`21.5%,]Ï`7.09%,᪗ÔÏ`26.17᱐2ÉᳮÆÇÈḄHÊᦈË᳛`1.75%,]Ï`1.18%,᪗ÔÏ`A.1ÉᳮÆÇÈḄᦈË×ØÙB.2ÉᳮÆÇÈḄᦈË×ØÚC.1ÉᳮÆÇÈḄÛ◅×ØÚVD.2ÉᳮÆÇÈḄÛ◅×ØÚm᪆oᵫHÊᦈË᳛RSÝV1ÉᳮÆÇÈḄᦈËÙK2É஺]Ïᡈ᪗ÔÏRSᵨᩭὃáz;âEÇḄᦈËḄãÀឋᓽÛ◅஺ᡠS1ÉᳮÆÇÈḄÛ◅×ØÙ஺ᦑC⌱⚗┯ç஺26.èᑡêK¨ë;«Ḅì᦮îḄ()oA.ðñ¹Ëë;B.ᑶᢗEë;JC.òóôõë;D.ö◅ë;m᪆o¨ᑶᢗEë;«ì᦮Ḅøù▲KᑶᢗEë;஺27.èᑡᐵKz#!¹üḄýþÿ
ᑁḄ()oA.ᑜB.ᐸᐵὶ!"#C.Ḅᑜ%Ḅᦈ'(ᫀD.ℏ,-./ᙠ1▾34V7᪆9ᑁᢣ;ᑶ=᧕?@%ABḄC⃩ஹF!ᡈὅIJ;ᑶḄKLMNᨵPᜧRSḄTUVḄ஺ᑁ◤⌕Z[᪀ᡂ⌕^ᓽ“Pᜧឋ”c“UVឋ”஺d;ᑶefghᓝj!kl9;ᑶ=᧕?@%ABḄC⃩ஹF!ᡈὅIJ;ᑶḄKLMNᨵPᜧRSḄTUVḄᑁ஺mᑡḆᑁ9জqegrᓝhᩩgtuᡠᑡPᜧ,w;ঝᑖ{|ᑭᡈὅ~Ḅᑜ;ঞ|ᩗ᪀ḄPᜧᓄ;ট!"#ḄPᜧ;ঠ⃩ᵨ⌕ḄஹᡈὅJḄᑖᓝ;ডḄℏ,ஹ,ஹᳮᕒḄ¡¢£e¤"Pᜧ¥

8¦§¨©ª;ঢ¬Kᦈ'Ḅᨵᐵ(ᫀ;ণ®!▾;ᑶṓᳮ°᪀±lḄI;ᑶ=᧕MNᨵ²℉RSḄᐸ´P⌕஺28.RS·KL-¸¹ºḄ».¼()oA.½¾C¿.¼VB.ÀÁÂÃC.~Ä|ἠÆÇ·{ÈD.®▭C¿Êº7᪆9½¾C¿.¼RS·KL-¸¹ºḄ».¼ᐸ´.¼¡ËᨚÍᦋ·KLḄ%¸cϸ¹ºÐᦋ
Ñ·KLḄ-¸¹º஺29.ᵨᩭÔÕᙠ3Ö͸ᑁ[Ḅ×·ᦈᐭcÙÚÃḄF!⊤()oA.×·ÜÝ⊤VB.UᩭÞ⊤C.Þ⊤D.Uᩭ×·ÜÝ⊤7᪆9×·ÜÝ⊤ᢣß᧜áᙠlâ¸ã×·c×·äMᱥÜᐭcÜḄ⊤஺30.mᑡ·èéê%
Lᑁ=᧕ëᐹḄ()oA.í¸ᔠïJB.¸ᩗC.ñ·¸òD.|ᢣ¸ò7᪆9óᜧôᦪḄ¸ᩗc¸ò=᧕öLᑁ=᧕÷ᨵ᪗ùᓄḄᔠï஺í¸cúᣚL᜜=᧕ý(ᓫÿᖪ஺31.ᑡᐵᩗḄ⊤┯Ḅ()oA.ᩗᢝᨵὅᙠ#$ᑁ&ᐭᱯ)*+ḄᩗᑭB.ᩗᓬ/0123᪗Ḅ*+Ḅ5678VC,ᩗᓬ/Ḅ<ᑭᨵ▲ḄD.ᩗ&/?ᨵᩗ@ABᨵCD᡻FᔠHI᪆KᩗḄᓬ/23567LM7ᓬN᪗Ḅ*+ᩗḄ&O0123᪗Ḅ*+Ḅ5678ᦑ8⌱⚗┯஺ᩗᢣᩗḄU&ὅ?ᨵᙠᩗᔠHᨵᦔᑁᢥ᡻F56&X#)ᦪZ᪗ḄᱥḄᩗᑭᦑA⌱⚗\]஺ᩗḄᓬ/^ᑮḄᨬᜧᑭbNcᩗᡠ<^Ḅᩗeᡠfᨵ▲

9ḄᦑC⌱⚗\]஺ᩗḄ&/gNᩗe<^᡻FᔠHḄᩗᑭᓬ/

10᪆ᕒ⌕ᙠᳮᡝᦋ⌨ᑜḄ!"#$%&"#⊤(ᙠজ*ᑜ+,-.;ঝᦈᐭ34ᵨḄ6*-789;ঞᢗ<7=>஺36.()ḄᡝBCDᐹᨵBGḄ<HẠ$BGḄJ!KL3M◅NOPQRSḄT$UVWXNYBGḄM◅$Z[RSḄᢗ<ᦈ\$]D^_`7aᑈ◅ᢗ$M◅Ḅᐵ=ᦈ\Ḅᐵ$WX⌱M◅R_Dᦈ\RSḄ஺ᵫ᣸◀JC⌱⚗஺37.ᜐ=$`()G¡ᜓ£᳛஺A.¥VB.¦SC._ᦋD.§᪆¨9©ªᜐ=$«©ª¬§Ḅ®¯°±=◤[°஺³¥G¡ᜓ£᳛´ᖪ³¶ᵨḄ<£·`¸¹$ºPQ¹»஺ᖪ¼½°¾`u¿¸¹஺ÀÁ$¨9©ªᜐ=$`¥G¡ᜓ£᳛஺38.ᐵ=¨9©ªÂÃᢗ<ᳮᐹᨵÄÅឋḄÆÇ$Èᑡ⊤ÊḄD()oA.ᙠËÌÍÎ$¦SᓺÐÑÒÓÔËÌÕÖB.×ᙢ#ÙÚÛÜᜧ$Þ³ß_᧕+áC.G¡ᜓ£᳛Èâ$ᑭ=ÓÔᢗ<¸iJD.äåæçÂèé⚜ë$`ìí<îïḄ¦ᓣ᪆G¡ᜓ£᳛DᢣBä³GḄᖪ³3£òó᪀õö÷³ḄG¡ᜓ£ᓰᐸúḄs᳛஺ûG¡ᜓ£᳛Èâ$ᖪ³®üýḄ<£þ$ᨵᑭ=ÓÔᢗ<Ḅ¸i$ᦑC⌱⚗஺ᓺᦈᙠᓺ᧕ᡂ!"#ᦑA⌱⚗┯&஺'()*+ᜧ-./ᙢ12ᑖ45(ᜧ

11789ᡂ:(4;4<=>?ḄABC⌕E(4FᐸHI'()*ᨵᑭ/>?LMᦑB⌱⚗┯&஺5OP⚜R5ḄSTSU5OPVWᜧ/UXY-Z[;"]V5OP^_⊤a/Ubcde/UXY-fg஺hijkEᢣhimᣚ:XYḄopqrESᓫthiuvmᣚ:wXYḄx⚪஺zXYfghijk-Z஺ᦑD⌱⚗┯&஺39.ᢥ᯿ᡃU4ᐳU4ᡠḄᨵᐵZᑡᔜ⚗4ᡠ4ᡠḄE()஺A.ᯠ⌼ᡂᜧᜫḄB.U¡ᑭ¢VC.ḕ¦4§vZᓫt⚙©Ḅª«ᦟᝄ¯D.°±ஹ³ὁ4ᕒᡠ¶᪆¸᪷º4ᐳU4ᡠḄ»ᐵU¡ᑭ¢E¼4ᡠḄ஺AஹD⌱⚗E¼Ḅ½¾஺C⌱⚗Eḕ¦4§vfᓫt⚙©Ḅᝄ¯¿¼4ᡠ஺40.z<=ÂᨵÃÄÅÆᳮ5iÈḄᩗᑭᢗhὅ☢ÍḄÎ◅ÐᒹÒ()oA.ᑭ᳛+ᓄÎ◅B.Ö᳛Î◅C.ᢗh×-Î◅D.ØÎ◅V¶᪆¸z<=ÂᨵÃÄÅÆᩗᑭᢗhÙ☢ÍÚÎ◅¸ᑭ᳛+ᓄÎ◅ஹÖ᳛Î◅ஹᢗh×-Î◅ᦑAஹBஹCÚ⚗ÛEḄD⌱⚗ÐÜᔠ⚪Þ஺41.§☢ᔣ4ᢗhὅ©=ஹvᔾᦈ4âãh¯:äḄåæçâãឋᢗh◤êḄÐuëìíU¡ÈTE()஺A.îᱥU¡B.ðñòU¡C,âãU¡VD.ìôòU¡¶᪆¸âãU¡Eᢣ§☢ᔣ4ᢗhὅ©=ஹvᔾᦈ4âãh¯:äḄåæçâãឋᢗh◤êḄÐuëìíU¡ÈT஺42.öᵭøùᳮ5iÈ()oA.ᝅᑭûᳮ5iÈVB.üᦈýûiÈC.þÿᐹὶ

12D.ᝅᳮ᪆ᵭᳮᑭᵨᡃἠ✌"#$ᜧ&'ᓣḄ*+ᩭ-.Ḅ/0ᐸ2345ᝅᑭᳮ஺ᦑA⌱⚗;<஺43.?ᑡᐵ5᪀ឋᳮḄDEF0G;<Ḅ()oA.᪀ឋᳮ◤Lᔠὃ⇋ᔜQᢗSᳮTUB.᪀ᳮḄᨬXY᪗2*[ᡝᳮᦔᵨᨬᜧᓄC.“abcd”᪀ឋᳮḄ/fg⌕ᱯjD.᪀ឋᳮḄᦈl᳛nopqcrstᑭ᳛uvV᪆᪀ឋᳮḄᦈl᳛xyz5crstḄᑭ᳛0ᔲᑣ}*G~0ᔾᑮ[ᡝ஺ᦑD⌱⚗DE┯஺44./ᩭ0ᑭ᳛pcᦈl#$ᕈ()ᐵ0pἠ#$ᕈ()ᐵ0pᙢ#$ᕈOᐵ஺A.;uᐵ;uᐵuᐵB.;uᐵuᐵ;uᐵC.uᐵ;uᐵuᐵD.uᐵuᐵuᐵV᪆ᑭ᳛SᡂḄ2᧜0᧜rᑭ᳛Ḅᢣ᪗ᨵq£¤¥¦ᑭ᳛ஹ¨©ᑭ᳛v஺Ḅ¨ᑶᑭ᳛/«ᢥ᯿®Ḅ¯°ᑭ᳛ᩭ±²Ḅ஺/ᩭ0ᑭ᳛ᓣ³´¨ᑶcᦈl#$?µ0ἠ#$?¶0ᙢஹ᜜¸¹0º»¼ᦈl½¾ᑭ᳛?µ³´¨ᑶcᦈl#$ᓣ0ἠ#$ᓣ0ᙢஹ᜜¸z0»¼ᦈl¿À஺ᦑD⌱⚗;<஺45./Â0[ᡝḄÃ◅ÅÆÇÈzᑮ¹᣸ᑡÊ()oA.ËÌÍ᝕---ÐÑ-----ËÌᨵÍ᝕ᓫÌᨵÍ᝕----ᓫÌÓÔÕB.ËÌÍ᝕---ËÌᨵÍ᝕-----ᓫÌᨵÍ᝕ÐÑ----ᓫÌÓÔÕC.ËÌÍ᝕---ËÌᨵÍ᝕—ÐÑᓫÌᨵÍ᝕—ᓫÌÓÔÕD.ÐÑ----ËÌÍ᝕----ËÌᨵÍ᝕----ᓫÌᨵÍ᝕----ᓫÌÓÔÕV᪆/Â0×ØÙÚᢗSὅÃ◅ÅÆÇḄ✌⌕ÜÝ0×ØÞᜧ0Ã◅ÅÆÇÞßfàáÞâ0Ã◅ÅÆÇÞã.Þäc0ᦈᐭÞz0Ã◅ÅÆÇ«Þã;Æᦟèé'Þz0Ã◅ÅÆÇÞã;ÐÑḄÃ◅ÅÆÇz5êÑᵱឋḄÃ◅ÅÆÇz5᝕ឋ஺ᦑD⌱⚗;<஺

1346.íoîïÊ“SḄ¼ðñ”ò“óôõḄᨒ÷⊤”0ᑖúᢣḄíḄ()஺A.ûüý0᧜ýVB.áý0᧜ýC.ûüý0Sþÿ
D.

᪆Ḅ
ᒹজ
஺ᑖᦣḄᡂ"#$ᢗᐭ'()*+Ḅ,ᔠ஺ঝ
஺⊤0"Ḅஹ)ᑖ23◅Ḅ)ᑖ஺ঞ6⁚
஺ᢣ9:;<=Ḅ6⁚>ᵨ஺টA᧜
஺A᧜CD<=EFḄGᓄ஺47.KḄLMᑡOPᢣ᪗9ᳮ+SḄTOUᨵW⌕ḄYZᐸ\()9_`aᳮbᶍᩭefᨬhẠஹᨬ᪶kḄYZlmnL஺A.PPIB.CPIC.᳛D.ᑭ᳛V᪆ᑭ᳛9_`aᳮbᶍᩭefᨬhxஹᨬ᪶kḄYZlmnL஺yzᡠᨵḄᳮ+SU|ᑭ᳛ᨵḼᡈᡈḄὶMᑭ᳛ḄG9ᔜᳮ+SḄ3◅2ᦈF+*W⌕YZ஺48.ᑡᳮᑜ\9ᢗὅᢗ3◅ᨬḄf()oA.ᦈᳮᑜVB.ᦈᳮᑜC.xᦈᳮᑜD.xᦈᳮᑜ49.᝞L`ᢗὅᨵ100¡_3◅\¢ὅ£#$⌱¥ᢗ()OA.§ἠB.©ᡲVC.hD.C«᪆©ᡲ¡_ᦈ¬Ꮙஹ3◅®ḄᢗS¯°ᦈᩭe±_²³´µ¶²³ᳮ+S_±3◅ஹ±ᦈ·Ḅ§ἠஹh¸஺C«3◅ᨬhᦈᨬᜧ©ᡲḄº»ᨬ±஺ᦑB⚗¾ᔠ⚪À஺

1450.Âᙠ9ᨴ18ÅÆÇÈ100ᐗ²³ḄLµÊËÌᳮ+S9ᨴ21ÅÎᐸᓬÐ9ᨴ18ÅḄ7HÒᓄᦈ᳛"2.75%,9ᨴ19ÅḄ7ÅÒᓄᦈ᳛"2.5%,9ᨴ20ÅḄ7ÅÒᓄᦈ᳛"2.55%,ᑣÂᙠÖ×Øᳮᦈ"()OA.143.84ᐗB.213.7ᐗVC.14.38ᐗD.2137ᐗ᪆ᢗὅᙠÖ×ØḄᳮᦈ"(2.75%+2.5%+2.55%)/365X100ᐗ-213.7(ᐗ)஺51.$ßà#$áâḄ§ἠÐãḄäåaæäç¢(),èᔣᑶëìí᪀ïᳮᜐëìãñᔠòóëìÅ*ᦔ஺A.õᜮᔠòB.÷☢ᔠòVC.õᜮᔠò2÷☢ᔠòD.õᜮᔠòᡈ÷☢ᔠò᪆ùúàûüýᓝÿᩩ
ḄἠḄᩗ☢ᔠᔣᑶ!᪀#ᳮ%ᔠ&'()ᦔ஺52./ᑡ12ᖪ456ᔣ7ᡝ9:Ḅᳮ;<=>?Ḅ@()oA.├FGHIJKLB.├FNOKLC.Q᜜⃩├TUVWD.9:;?ᑖ᪆
ᑜ>?V]᪆ᳮ;<=>?@ᢣᖪ456ᔣ7ᡝ9:Ḅ;?ᑖ᪆
ᑜஹᢗabcஹdᢗaKLefgh4ᓄ>?஺53.ᳮ;<=>?klḄᨬnop@()oA.qrsᑜB.tẠ
ᑜC.bᢗavᔠD.wᦔxyV

15]᪆ᖪ456Ḅᳮ;<=>?{⁚}~taᧇᦈaKᑖ᪆◅ᑖ᪆aKᳮ᪗ᑖ᪆7ᡝaK⚜xy;;?᪗ḄtẠ
ᑜbᢗavᔠ;qrsᑜwᦔxy஺54.ᖪ456ᢗaὅᡲ#ᳮ7᛻᜜ᳮ;4?◤⌕ᔣ()ᵭ7᛻᜜ᳮ;¡A.¢£¤¥ᦋ☩ᕒ©B.ª¢56C.¢£᜜ᳮ«VD.ª¢5¬©]᪆ᖪ456®#7᛻᜜ᳮ;4?ᳮᨚ6#°±ᓝ³ᩩ
ᖪ456ᢗaὅᡲ#ᳮ7᛻᜜ᳮ;4?ᔣ¢£᜜ᳮ«ᵭ7᛻᜜ᳮ;¡஺55.᪷µª¶ᐳ¸¢¹◅°Ḅᨵᐵ
56¼½®#¹◅ᳮ4?¾¿ÀÁ¹◅¬ṓᳮ!᪀⚙¤Ḅ()¹◅ÄÅÆᳮÇc஺A.¹◅#B.¹◅È4ᳮ4?ÉVC.¹◅4?Ê⃩ÉD.¹◅Ë4aÌ]᪆ª¶ᐳ¸¢¹◅°±oÍoᓝÎᩩ
¹◅ᳮ!᪀ஹ¹◅ÊÏᐹᜓ¢?▾¹◅¬ṓᳮ!᪀
ḄᩩÓÀÁ¹◅¬ṓᳮ!᪀⚙¤ḄÊ⃩¹◅ᳮ4?Éஹ¹◅ÊÏ4?É஺56¼½®#¹◅ᳮ4?¾¿ÀÁ¹◅¬ṓᳮ!᪀⚙¤Ḅ¹◅È4ᳮ4?ɹ◅ÄÅÆᳮÇc஺56.ÕÖᩭ⌲Ùᡂ¢▭ÜÝÞ⚞àᨬᩗáஹᨬk6Ḅdᳮ;â4aÌḄ@()OA.CFPVB.CAPC.CPAD.CCBP]᪆æÖᩭ⌲Ùᡂ¢▭ÜÝÞ⚞àᨬᩗáஹᨬk6Ḅdᳮ;â4aÌḄ@ÝÞçèË4ᕒ(CertifiedFinanCialPlanner,CFP)஺57.᪷µª¶ᐳ¸¢ᑶ°Ḅ
ἠ¤6ᐹôsõöḄçè©s÷ᙠoù▲ᑁüÁýþÄÅḄἠþù▲OO

16A.þἠḄÿ├
ᑁ
1ᑁB.ᐹ1ᑁC.ἠḄ├
ᑁ
6ᨴᑁVD.ᐹ6ᨴᑁ᪆!"ᐳ$%ᑶ'()*ᓝ,ᩩ./0ἠ12ᐹஹ456ᡈὅ'9:;<=ᦻ?Ḅ%ᑶ@AB᪀!ᕒEᙠἠ├
ᑁ
GᨴᑁEHIJᓬLἠ஺58.Q"ᡈ'!RSஹTUஹVW"Xᩗᑭ"X[AḄᔠ'20]()oA."X'920VB.ᖪcdᣚ20C.ᩗᑭ[A20D."X20᪆"X'920]ᢣQ"ᡈὅ'!RSஹTUஹVW"Xᩗᑭ"X[AḄᔠ'20஺59.᪷iᖪcj2!ᳮlcAmᳮᨚ2o'(ᖪcj2!ᳮlcAp◅mᳮᢣr(Ḅᨵᐵ./Eᖪcj2uv%!ᳮlcA!ᕒwḄxyz{H|}()஺A.25zB.20zJC.15zD.30z᪆ᖪcj2!ᳮlcAmᳮᨚ2o'()ᓝᩩ./ᖪcj2uᜓḄ!ᳮlcA〉uḄᳮlcA!ᕒEv%!ᳮlcA!ᕒwḄxyz{H|}20z஺60.$jᡃ$ᖪcj2!ᳮlcA]2()ᩭ2ṓmᳮḄ஺A.ᢇᑴᑴVB.ᑴᑴC.ᢇᑴᑴD.=ᑴᑴ᪆᪷ij2cc!ᕒc()*ᓝᩩ./Ejᢇᑴᑴᖪcj2!ᳮlcAḄ4ᳮl¡¢(ᑜ)2ṓmᳮ஺

1761.¤ᑡH¦}%ᑶᢗ4Ḅ¨©p◅Ḅ]()oA.ª«p◅B.¬⃩p◅VC.®J¯p◅D.ᑭ᳛p◅᪆%ᑶᢗ4Ḅ¨©p◅ᒹ²ª«p◅ஹ¬³ᕜ
µ¶p◅ஹᑭ᳛p◅®J¯p◅஺62.·¸
ᙠ1¹º10¹¤Ḅ$»]()஺A.¼
$»B.
$»VC.½
$»D.½
$»᪆·¸
ᙠ1¹º10¹¤Ḅ$»¾¿0
$»஺¼
$»]ᢣ·¸
ᙠ1ÀᑁḄ$»E½
$»]ᢣ·¸
ᙠ10¹ºḄ$»஺63.¤ᑡᐵ}ᖪcj2cAmᳮḄ⊤ÂEÃÄḄ]()oA.ᵫ}ᡃ$ÆÇ2ÈḄᑖcmEᦑᖪcj2HËÌ├ÍÎB.ÆÇᙠᡃ$Eᖪcj2{cAᦈᐭÑѹᓰᑮᐸÕᦈᐭḄÖ×¹ºC.Ø»cA]ᖪcj2ᑭᵨ4¡cAÚÛḄ4ÎܹÝᵨÞßIᦈᐭḄàD.{cAáâᖪcj2ḄᦈᐭᑭãEÖäHåæç᧜ᙠ4¡Ø»⊤ºV᪆ᙠᡃ$Eᖪcj2HË®JÞᢝᨵQêἠEë¹Ì├ÍÎEᡠ¹A⌱⚗┯ð஺ñò1ó$ôḄᖪcj2{cAᦈᐭÖä¹ᓰᑮᐸÕᦈᐭḄÖ×¹ºEõᡃ$ÆÇöHËóᑮEᦑB⌱⚗┯ð஺Ø»cA]ᖪcj2÷I4ÎᩭøḄcAEùᨵúûÖ/ᡂý÷I4ÎEᖪcj2þË4ÎÝᵨ÷IᑭãEᦑC⌱⚗┯ð஺{cA]áâᖪcj2ḄᦈᐭᑭãEëHç᧜ᙠ4¡Ø»⊤ºḄcAEᦑD⌱⚗ÃÄ஺64.
ᕒḄὃ᪶ᵫ()ஹᢣ᣸஺A.
B.
C.
!ṓ#ᳮ%ᕒVD.()ᦋ%+᪆-.ᖪ0ᳮ12#ᳮᨚ45678ᓝ8ᩩ;<-
!ṓ#ᳮ%ᕒ=᪷?0ᳮ12)@A!#Ḅ◤⌕Dஹᢣ0ᳮ1

182ᕒḄὃ᪶஺ᨵᐵ⌕Hὃ᪶45Dᵫ
!ṓ#ᳮ%ᕒI;<஺65.LᑡᔜOPḄQᡲᳮ1ST
DᢗVὅ☢YZ◅ᨬ]Ḅ^()oA.`abᳮ1STVB.cdOQᡲᳮ1STC.eἠᢞhOi᪀ឋᳮ1STD.QDHnoᢞhOᳮ1ST+᪆-`abᳮ1ST^ᢗVp`aqrḄᳮ1STDᢗVsᔣ^ᐹᨵvQᵨxPḄ
yzo{|ᐹDᡠ~ᐸQᵨZ◅ஹឋZ◅]஺QᡲcdQᡲDp⊤᜜2DcdḄQᵨZ◅ᐰᵫᳮ1STḄᢗVὅ஺ᵨdᓫdZ◅D᝞zD=¡ᳮ1STḄᢗVὅ¢ᩭ¤ᜧZ◅஺eἠᢞhOᳮ1STḄZ◅¦⌕ᩭ§pᡠ⌱©ḄᢞhḄª«eἠᡈeἠ®DeἠqrZ◅ᜧp`aqr¯ᑶqr஺CஹD⚗pi᪀ឋᳮ1STDi᪀ឋᳮ1STḄ²oᨵ³ᑖZ◅஺66.ᖪµ¶ᡝ¸¹Ḅᳮ1ºᑜ¼½^0¾¿ÀḄᨵÁ᦮ÃDL☢ÄÅÆ2Ḅ᣸ᑡÇ¿DÈÉḄ^()OA.12;ᑜஹ12ᑖ᪆ஹᢗVËÌஹ0ᢗVSTÍÎB.12ᑖ᪆ஹ12;ᑜஹᢗVËÌஹ0ᢗVSTÍÎVC.12ᑖ᪆ஹᢗV¼½ஹ0ᢗVஹSTÍÎஹ12;ᑜD.12;ᑜஹ0ᢗVஹSTÍÎஹ12ᑖ᪆ஹᢗVËÌ+᪆-ᖪᙠᳮ1¼½Æ2
ᔣ¶ᡝ¸¹12ᑖ᪆ஹ12;ᑜஹᢗVËÌஹ0ᢗVSTÍÎÄÅÐᓄÆ2DÃᙠᳮ1¼½Æ2ÒÓ
ḄÔᐵÕ⁚஺67.Ꮇ᝞0¶ᡝÙÚ⌱©ÛSஹÜoஹnoÝᢗV|ᐹᩭᢗVᳮ1Dᑣ᪷?Z◅ÙÚDᐸp()஺A.ßàábB.
âãᏉbJC.æçbD.ßàçb+᪆-ÛSஹÜoஹnopZ◅〉
ஹᦈê〉
ḄST஺〉ᔠìíូZ◅ïðHZ◅DñZ◅òóᳮឋḄᢗVὅD
âãᏉbḄᢗVὅpôO¶ᡝ஺õö÷÷⌱©øùúûüýᙳÿᦈᙳ◅Ḅᢗᐹ஺ᦑB⌱⚗ᔠ⚪஺

1968.ᖪ#$%&'ᳮ)#*'ᕒ,-Ḅ./0123()6஺A.10B.20VC.30D.40@᪆BCᖪ#$%&'ᳮ)#*Dᳮᨚ%FGHIJᩩLMᖪ#$%NOPQRSḄ&'ᳮ)#*T〉NḄᳮ)#*'ᕒVW&'ᳮ)#*'ᕒ,-Ḅ./0123206஺69.Yᑡ1[Q#\]^_`᧕Ḅbcd᪀f()oA.ᖪ#$%B.$%#hṓDᳮjᕒVC.WᑶᢗlmD.nopq$%@᪆B$%#hṓDᳮjᕒfbc^_ḄhDὅ1stuᢗὅvὅ[Q^_`᧕஺70.ᳮ)bᵨ3ᢗlRᡈzlR^_`᧕Ḅ{ᔠᖪ#$%Nᐹᨵ}~Ḅᢗ᪗ḄஹᢗbLᑜN{ᔠᐸ⚗Yᔜ⚗%ḄQ◅ᵫ()᪶ᙠᳮ)%ᦻ%¡☄஺A.Rd᪀B.G£ᔠL¤¥C.◅Dᳮ¤¥D.¦§Dᳮ¨V@᪆BCᐵ3ª«Lᖪ#$%&'ᳮ)#*ᢗDᳮᨵᐵ⚪Ḅ®¯HIᓝ±ᩩLMBᳮ)bᵨ3ᢗlRᡈzlR^_`᧕Ḅ{ᔠᖪ#$%Nᐹᨵ}~Ḅᢗ᪗ḄஹᢗbLᑜN{ᔠᐸ⚗Yᔜ⚗%ḄQ◅ᵫ¦§Dᳮ¨᪶ᙠᳮ)%ᦻ%¡☄஺71.²᧜ª&´µ¶·fᔲᐹᨵ¹ºḄ»¼ᢣ᪗f()oA.´ᑁ¿ÀÁVB.'ᙳ¿ÀÁC.ÂÃᱥÅᢣᦪD.#ÇÈÁ

20@᪆B´ᑁ¿ÀÁḄÇÉÊ˪Ìᵨᩭ⊝϶·ÇÉ᳛ÑÒÓ¶·ÇÉÊËÔÕf²᧜ªMÖ¶·S×ØᓄÚËḄÛ᝱ᢣ᪗Òf²᧜ª&´µ¶·fᔲᐹᨵ¹ºḄ»¼ᢣ᪗஺72.ªÌÝÞ᦮&µàḄᦈᐭᙠÑÔâᑮäå஺A.µà⊦ὁÖB.µàᡂÉÖC.µàéᡂÖD.µàᡂêÖJ@᪆BᙠµàᡂêÖì#ḄSᦈᐭâᑮäåíîïḼµàᡂᕒḄñ2Ýòó஺73.᪷õCöG®ᑣHḄLMYᑡjᡲùᳮᩗûüýþḄÿ
oA.ᳮᜫVB.ᳮᳮḄᑭC.ᳮ!ᳮᩗḄ#$%ᳮ&'D.ᳮ)*ᳮ+,-.ᳮ⌼ᡂ1᪆34567ᑣ9:ᓝ<ᩩḄ>?#ᨵAᑡCDEFḄ#GᡲᳮᩗIJ3জᳮLMNOᡈὅᳮRSᡂ;ঝ%ᳮVWGᡲᡈὅᳮXYGᡲ;ঞᳮ[\;টᳮᜫ^ঠ`%ᳮᡈὅᳮḄ7IJ஺74.Aᑡefg᧕ijklmnopᐹḄ
oA.ᙠstuv10000ᐗḄzL{|VB.}s~vLtuC.#u100ḄἠD.~vFᦈᐭ#u20000ᐗᑶᢗe1᪆3lmnopᐹᒹ3জe;ঝFᑁ¢FḄs?L£ஹᜧ¦£ᓫ;ঞᒕ©L▲ᙠ397ᜩᑁ¢397ᜩḄ|ᑶ;টL▲ᙠ1ᑁ¢1Ḅ|ᑶ®t;ঠL▲ᙠ1ᑁ¢1Ḅi¯sἠ5;ডi{±²ஹi{s'³Ḅᐸµᐹᨵ¶·¸¹ឋḄefpᐹ஺75.ᑡᐵ½¾eᢗḄᱯÀ#⊤Â┯ÄḄ
oA.Å{▭noÇÈᜧÉ£ᙠF?¸¹ឋÊ◅B.ᢙÍÎÊ◅ḄÏC.ᦈÐἠnoḄᦈÑÒᐵVD.ᐹᨵᑁᙠÓÐÔᵨឋ

211᪆3¾eÖἠnoᦈ)Òᐵ#×Ø
ÙÒᐵ#ᡠ³ᑖᦣᢗÝÊ◅#ɲÞḼlàá-âã#ᡠ³äÓ஺76.Aᑡ)æ½ᑶᢗeᦈḄ
()oA.ᑶuᓬêB.ëì⊡îVC.ïᑭᦈᐭD.£ᑭðᦈᐭ1᪆3ᑶᢗeḄᦈñ⌕ᒹ3ᑶuᓬê^ïᑭᦈᐭ;|ᑶᑭð^£ᑭðᦈᐭ77.ósôᡲᳮõö÷Ḅᦈᩭù½()oA.úûüýᑭ᳛B.£ᑭðC.ᑭðVD.ÿ᳛
᪆ᡲᳮᩭḄᡝᢗᡲᢗḄᡲ!ᑜ#ᡲ!ᑜᑮ%&#'ᵫᡲ᪷*ᡲᢗ+,-./0ᦈ2஺45#ᦈ2ᩭ6ᑭ8஺9ᡲ:Ḅᦈ2;▲ᑭ᳛஺78.A:ᳮB᪗D#E%B᪗FGᢣᙠ()LMNḄB᪗஺A.1VB.2C.3D.4᪆A:ᳮB᪗ᢥYZ[Eᑖ]E%B᪗(1LMN)ஹD%B᪗(35L)ஹ[%B᪗(5L`;)஺79.bᑡᐵᖪfḄgh#ijkḄ()oA.ᖪfmᳮA:nopfq#rs⍳upvwஹxvᵫஹpᨵ8ஹ]p:z{Ḅ|ᑣB.ᖪfrsᢥ᯿D:Ḅ#ᔣD:ppᜓ#ᶇᜓ.C.ᖪfrszp/0ᑭ8Ḅ-.#iஹ-.p/0ᑭ8D.A:nop#ᖪfᨵᩗᓫᡈὅA:ஹஹᡷᑜV

22᪆ᖪfhᓝᩩ”A:0ᓫp#ᖪfᨵᩗᓫᡈὅA:#£h¤ஹ¥h¦ᨵḄ◀᜜;ᨵᩗᓫᡈὅA:ஹᡷᑜ#£h¤¦ᨵḄ◀᜜஺”᪷*ᡃ«¬hஹ¥¬hஹᑛ«¬hஹ¯ᦈ°ᦈ±ᳮhஹ²ᐵhḄ#:h▾ஹ:´µ▾ஹ¶·ᐵஹ¯q·ᐵ0²ᐵᨵᩗஹஹᡷᑜᓫp஺᪷*ᨵᐵh¤ஹ¥hḄ#ᨵᩗḄ·ᐵ¸ᨵ¹!·ᐵஹºᖪ¥±ᳮ·ᐵஹᢈ¼½ṓ·ᐵஹᱥÀ±ᳮ·ᐵஹÁ½µ·ᐵÂ஺80.«ÄÅᨬÇ⌕Ḅ|ᑣ()oA.ÉÂஹvw|ᑣB.s«:ᐹᨵËÌÍḄ|ᑣC.ÉஹÎÏᵨ|ᑣVD.ÑÒÓÔᦔ2Ḅ|ᑣ᪆ÉஹÎÏᵨ|ᑣ«ÄÅDᨬÇ⌕Ḅ|ᑣ஺81.᪷*z◅:Ḅ9ᡲ#ᔣz◅:ᦈx×ᳮØÙÚ#Ûᙠz◅:ᣴᩗḄÞᑁ×]mᳮz◅fqḄᓫᡈA:()OA.z◅á2:B.z◅×ᳮ:JC.z◅ãä:D.z◅å:᪆B⌱⚗z◅×ᳮ:ᢣ᪷*z◅:Ḅ9ᡲ#ᔣz◅:ᦈxØÙÚ#Ûᙠz◅:ᣴᩗḄÞᑁ×]mᳮz◅fqḄᓫ0A:஺A⌱⚗z◅á2:èé]“z◅⚞x:”#ᢣᵫìz◅:ᡈὅᢗz:ᢣ#ᙠz◅«ᦑîïᡈὅËḄz◅%▲ðñY#ò᯿z◅ᔠôõᨵz◅ö÷ᩗḄ:஺C⌱⚗z◅ãä:øᢗz:Ḅᑭ2#]ᢗz:ùz◅:úûz◅ᔠôüýDþÿ
ᦈḄ᪀஺D⌱⚗◅ᢣ᯿
◅ஹᢗᡈ"◅#ᡲ%ᳮ◅᪗ḄḄ()ஹ␺ஹ+,-./Ḅᳮ0
ᔣ#ᡲᦈ2Ḅ஺82.,6789:;ᔠ=ᱯ?Ḅ()oA.D⌕ᙠGHI᧕VB.MNOᑴQC.MNSTU0ᑴQD.ᔠ=ᩩ/᪗WᓄḄ

23Z᪆\9:;ᔠ=ᢣI᧕]^ᙠ_᜜a_bcdef
ᢥ᯿=hiᙠ=ḄjᩭḄT;lᓬno᪗ḄḄ9pqḄᔠ=஺ᐸᱯ?s\জuhiv◅;ঝy᪗Wᓄᔠ=;ঞGHI᧕;ট|ᨵ~=O஺83.6ᑡ78ᑴ◅ᑜᑣḄ()oA.v◅B.ᦈJC.ᑖ᪆ᡝ◅◤⌕D.NZ᪆\ᡝ◅ḄḄsᡝḄᐰஹ஺¡Ḅ¢£
¤N¥¥ᕒsᡝ§◅ᑜ¨D⌕©ª«,6ᑣ\জv◅Ḅ¬ঝNḄᑣ;ণᑖ᪆ᡝ◅◤⌕஺#jin84.ᳮ´¥ḄᡝWᐭ¶Qᩭ·
6ᑡ·¸¹Ḅ()oA.¤Nº◤»(ᡝḄpᩭ¼ᔠVB.ᡝ½ᑭᵨᳮ´¥ÀÁ
ÂÃÄᡠ½-ᐸᦈᵨᩭÆlᳮ´qÇC.ᡝ©È¹ÉÊḄËÌOÍÎMஹᔠD.¤N©᪷Ðᳮ´qÇḄv◅7ឋ
¹ÒᢗpqÇᡈᳮ´§ᑜḄ├ÔÕ?Z᪆\Öᖪ¥ᑁÙÚᑴᢣÛÜÝÞᓝàᩩ\ᖪ¥¤N©ÈáÎ⍳ã‘'ZæḄᡝ”ᑣ
è»(ᡝpᩭ¼Ḅᔠឋ
ÉéêëᶧI᧕Ḅ␺íî
᝞£ðëᶧI᧕
©ÈDñbò
■ôÃÄᑖõöNÀÁñ஺85.nI᧕ὅ⚜;nḄúἠhiÂbü
ᙠa_bÆlýḄþü;ᩗ஺
ᩗ10ᐗ᡻160ᐗᐭᑮ
ἠḄᑮ180ᐗ!"᧕ὅ⌱&᡻
ᩗ'(Ḅᦈ*஺஺A.10ᐗVB.20ᐗC.60ᐗD.180ᐗ86.ᡃ345637():;<Ḅ=>஺A.1992B.1993C.1994VD.1995C᪆EF3G1994:;<45637HI=>஺

2487.KᑡᐵNOPQRḄSTUVWXḄ()oA.I>Z[ᐰ]ST├_`᪀B.ᐰ]bᐭOPcdC.]ᑖfZ[]ᑖbgOPcdD.ᨵOPᔠjklmnᐰ]fZ[omnᐰ]bgOPcdJC᪆EOPQRᢣᙠst6OPḄu[
vwᢝᨵOPyzḄᢗcὅᔣOP}ᳮgᓬ⊡`ᑴQRbᐭOPcd஺᪷OPᔠjklOPQRmnᐰ]fZ[omnᐰ]bᐭOPcd஺ᦑD⌱⚗WX஺88.Ꮇ᝞Aᳮd=Bᳮd=Ḅ
ᦈ*᳛ᑖ20%30%,ᢗcὅᢝᨵ10ᐗg¡¢£4ᐗᢗcNAᳮd=6ᐗᢗcNBᳮd=!ᢗcὅḄ
ᦈ*()ᐗ஺A.2.6VB.2C.3D.2.5C᪆E¤⚪b¦ᢗc§ᔠḄᦈ*஺
ᦈ*=4X20%+6X30%=2.6(ᐗ)஺89.ᙠᨬᐙᑖḄᑖᦣᩩ¯Kᢗc§ᔠ°±²ᑖᦣḄ³◅()oA.µ¶·³◅B.ᱯl³◅C.¹ᱯ³◅D.³◅VC᪆Eº³◅ᩭ¼N½᦮¿¶·ᨵᐵḄºÀH>³◅ÁÂÃᡠᨵḄᢗcÄᡠn±²Å§ᔠᢗcᩭᑖᦣ஺90.ᐵNÆÇ6ÈᑶᢗcOP½st6ÈᑶᢗcOPḄÊKᑡ⊤Ì┯ÎḄ()஺A.Nst6OPᢗcὅmnÏᵭÑᡈQRyzÓNÆÇ6OPᑣ±mQRB.st6OPḄnOPḄcdÕÖOẠXlḄÓÆÇ6OPḄᵫÙÚᐵ¶XlC.st6OPḄyzmÛḄÓÆÇ6OPḄyz±ÛḄD.st6OPḄᐰ]cPÜᵨNÈᑶᢗcÆÇ6OPᑣÞᨵI]ᑖßPV

25C᪆Est6OPàáÞᶇI]ᑖOPnãäᢗcὅÏQRåæ
ᢗcçèᑮIl▲ᑴ஺ÓÆÇ6OP±mQRêáëìíᜓP²ïᐙᑖðᵨcPåæ
ᢗcì(æ
ñ⃩óᦔ஺õஹ÷⚗⌱&⚪91.ᖪùúᙠ├_±◤⌕üᢇḄᳮbᑜÿ
ᔣṓᳮᕒᡈᐸ᪀஺ᖪᨬᙠ├ᳮᑜ10$
%()(ᧇᢥ᯿ᨵᐵ.Ḅ0123〈ṓᳮᕒᡈᐸ᪀஺A.7├ᳮᑜḄ8ᡝ᫏ᫀᩞᧇB.ᳮᑜ7├Ḅ8ᡝ>
?@Aᐵᑖ᪆DEVC.7├ᳮᑜḄHIJᕒ᫏ᫀᩞᧇD.ᳮᑜ7├Ḅ2L
(MᡂOPᦈRST
?@AᐵTDEVE.7├ᳮᑜḄV᜜XYᩞᧇZ[\ᩞᧇV]᪆^_ᖪ`Jᳮ.ᳮᨚbcdefᓝhᩩ23^ᖪ├j◤⌕mᢇḄᳮᑜo
ᔣṓᳮᕒᡈᐸ᪀஺ᖪᨬᙠ├ᳮᑜ10$
%?p(ᧇᢥ᯿ᨵᐵ.Ḅ0123〈ṓᳮᕒᡈᐸ᪀^জᳮᑜ7├Ḅ8ᡝ>
?@Aᐵᑖ᪆DE;ঝᳮᑜ7├Ḅ2L
(MᡂOPᦈRST
?@AᐵTDE;ঞ7├ᳮᑜḄV᜜XYᩞᧇZ[\ᩞᧇ;টṓᳮᕒ⌕vḄᐸwᩞᧇ஺CஹEy⚗{j|ᔠ⚪⌕v஺92.MḄᒹ()oA.(JB.C.◅JD.᧜E.᧕V]᪆^MḄᒹ(ஹᳮஹ◅Z᧕
ᦑAஹCஹE⚗ᙳ஺M├ḄMHᐹᢗ(¡¢£¤ஹ¥ᨵ(¦Z§¨Ḅ⌶ª
«¬ᨵ®J¯Ḅ
ᦑB⌱⚗┯²஺᧜³MḄ´
ᦑD⌱⚗┯²஺93.pᑡᐵ·¸ᑶºᳮ¦»Ḅ⊤½
Ḅᨵ()oA.V·ᢗ(ὅ¿À
Á¸ᑶºᳮ¦»☢ÄḄᨬᜧÆ◅ᩭÈᑭ᳛Æ◅ZËÌឋÆ◅B.ᐸÎ᪗8ᡝÐ⌕Æ◅ÑÒÓÔÕḄᢗ(ὅVC.¸ᑶºᳮ¦»Ḅᱯ׳¦»Ø᪀Ùᓫஹᢗ(Æ◅Ûஹ8ᡝ⚜ÝᦈRÞ3V

26D.¸ᑶºᳮ¦»³?¸ஹM¸ZàἠâÐ⌕ᢗ(VãḄᳮ¦»VE.¸ᑶºᳮ¦»(MÐ⌕ᢗᔣä¸ᑶஹ¸Zå¸7]᪆^V·ᢗ(ὅ¿À
Á¸ᑶºᳮ¦»☢ÄḄᨬᜧÆ◅ᩭÈᑭ᳛Æ◅ஹç᳛Æ◅ZËÌឋÆ◅
ᦑA⌱⚗⊤½┯²஺èᫀ⌱BஹCஹDஹEo94.êᦈ2ᑜë⍳íḄîᑣᨵ()oA.ᔠcឋîᑣVB.§¨ឋîᑣC.2ᑜឋîᑣVD.ÎḄឋîᑣJE.ðᔠឋîᑣV]᪆^êᦈ2ᑜḄîᑣ^ᔠcឋஹÎḄឋஹ2ᑜឋஹðᔠឋ஺95.ᖪòó`Jᳮ.ôõᐹᜓḄ÷Oᩩøùúûᩭᒹ()oA.üýᏉᐰ
ᳮᳮ
ᳮḄᳮᐵ
ᕒḄJB.Ꮙᐰ
ᳮ◅〉Ḅᢈ"#ᢝ%&'()*+JC.ᑖ.ᑴ0ᳮ123ᔠᳮ5Ḅᳮ67ᑴ8VD.ᐹᜓ=>
ᳮ◅〉Ḅᢈ"#ᢝ%&'()*+JE.ᖪAB├DᳮEF(Hᑜ)KLḄᳮMNᢥ᯿ABQR◤⌕ᳮUᵨW᪆YᙠᖪAB[\
ᳮ]^ᐹᜓḄ_`ᩩbcᐵdᳮMNḄUᵨ᪶fᳮḄ⌕ghᳮMNᢥ᯿ᳮᔠij0ᳮUᵨ஺96.ᖪABᵭp◤⌕ᢇrḄ
ᳮᔣctABuṓᳮwᕒxy〈ḄMᧇᒹ}()OA.ᵫᖪAB
ḄᵭpVB.ᵭpᒹ}ឋஹ᪗ᡝᐵᑖ᪆⚜JC.ᫀᒹ}ᵭpḄᳮஹ⌕◅Ḅᳮ7D.ᖪABᑁᐵḄ᪶VE.ctABuṓᳮwᕒx⌕gḄᐸ¢ᦻbMᧇVW᪆Y¤ᖪABᳮEF├Dᳮ¥¦§¨©ᓝ«ᩩ60YᖪABᵭp◤⌕ᢇrḄ
ᳮᔣctABuṓᳮwᕒxy〈¬ᩞᧇ(®¯°±)YজᵫᖪAB
Ḅᵭp³ঝᵭpᒹ}ឋஹ᪗ᡝᐵᑖ᪆⚜;ঞᫀᒹ}ᵭpḄᳮஹ

27⌕◅Ḅᳮ;টᖪABᑁᐵḄ᪶;ঠctABuṓᳮwᕒx⌕gḄᐸ¢ᦻbMᧇ஺97.ᙠ¹Nஹº»¼ᳮc½¾¿ញ⚜ᜓNḄÁÂïᒹ}()oA.ÅÆᖪFÇB.ÈÉÂRVC.ÊÉ0ÉÂRVD.ËÌÍÎ_NVE.ᑭᵨQRÐ8VW᪆Y¿ញ⚜ᜓNÑᵨÒÓ¯ᩭÁᜓ®hÕÖឋ×ḄÈÉÂRஹÊÉ0ÉÂRᡈËÌÍÎ_NÙhᑭᵨQRÐ8஺ÇᙢEÛ¹*+ÜÝÞß*ᵨᩭÁᜓ¿ញ⚜ᜓN஺98.¬ᐵdËÌÍÎᱯâḄ⊤äåḄᨵ()oA.çᦈéVB.ê᧕ìᜧVC.ç◅JD.×◅E.ᦈᐭïðW᪆YËÌÍÎḄᱯâYজç◅ஹçᦈé;ঝÉ▲ÊஹÕÖឋ×;ঞê᧕ìᜧ஺99.òᑶᢗM_NᐹᨵḄᱯõᒹ}()oA.ᢗMÐöஹ»ᵨç÷B.øᳮஹLᔠᳮVC.◅ᐳúஹᑭéᐳûJD.ᑖᦣᢗMஹ6ýþ⃩E.ᔠᢗஹᑖᦣ◅V᪆ᑶᢗḄᱯᔠᳮᳮ;ᔠᢗᑖᦣ◅;ᑭᐳ"◅ᐳ#;$%&'()*+,-ᡲ/01ᐰ஺100.'ᡲᢗ6789ᔠ:;ᨵḄ=ᡲ>'ᡲ?@ABᳮஹCᵨEᜐᑖḄGBHᐸᱯJ⌕ᒹM()஺A.Qᡲ6RSᵨ'ᡲTHU6#/B.'ᡲTᩗᑭJXYᑭJXZᑖ[VC.'ᡲᐹᨵ^_Ḅ`aJD.Qᡲ6d#ef┯Ḅhᜫ◅

28E.'ᡲk'lHẠḄTᳮᑴoV᪆'ᡲḄᱯজ'ᡲk'lHẠḄTᳮᑴo;ঝ'ᡲGᩗᑭJXYᑭJXᑖ[+ঞ'ᡲs⃩uvᮣxஹ〉zឋ|;ট'ᡲTᐹᨵ,-ឋ;ঠ'ᡲᳮᐹᨵឋ;ড'ᡲRd#efᜫḄhᜫ◅;ঢ'ᡲᑭᑖஹh⍳11;ণ'ᡲᐹᨵ^_Ḅa஺101.ᖪB◅ᳮ◤⌕-஺஺A.Ḅ◅ᳮᦻᓄVB.◅'(ᳮᑴoEᑴVC.◅ᑁE¡ᑴJD.◅᣸£ᑴஹ¤¥ᑖ¦ᑖ§ᳮEzញᜐᳮᑴVE.ᢗ©ᑴE&ṓ«ᑴஹ'(¬ஹ®¯°±²³ᳮᑴoEµ'(ẆᑨᑴV᪆¸ᖪB◅ᳮᢣº»⌕¼ᖪB-◅᣸£ᑴஹ¤¥ᑖ¦ᑖ§ᳮEzញᜐᳮᑴ½¾¿◅Ḅ¬ÀE¤¥Ḅz¿aÁ+-ᢗ©ᜐᳮ&ṓ«ᑴஹ'(¬E®¯°±²³ᳮᑴokµ'(ẆᑨᑴÃ◅ᳮÄEGÄZῃ[ḄÆ⚪+-◅ᑁE¡ᑴஹ◅'(ᳮᑴoÂᑴ+-Ḅ◅ᳮᦻᓄ஺102.ÉᑡᐵÌᑭ᳛¿ᑶÎÏḄÐÑÒ:ÓÔḄ()oA.ᑭ᳛ÖᓣØÙÚᑖÛᑶÎÏÜᔣBÞßàáâÉãJB.ᑭ᳛ÉãSkãä?@Ḅᑭ(å#æç?@èᑭâἠ%êëìÖᓣVC.íᑭ᳛ÖᓣîïðâἠḄᑁᙠòÉãÛóàáâἠ%ÉãJD.âEᑭ᳛ᕈÀõ¿ḄåZᐵE.⚜÷øᩭᑭ᳛ÖᓣᑣᢗὅØæçâἠḄü᪆ᑭ᳛¿âἠ%ḄÐÑðýþÿ
஺ᑭ᳛Ḅ⌕ᑁᑭ᳛Ḅ!"#$ᑮᐸ'()Ḅ*+஺(,-./ᑭ᳛01ᕈ345Ḅ67ᐵᦑD⌱⚗=>┯@஺⚜BCᩭᑭ᳛EᓣᑣᢗIὅKLM-ἠḄOPᦑE⌱⚗┯@஺103.WᑶᢗIYZ[-ἠஹ]ᑶḄ^_⊤3ᙠ()஺A.ᢗIὅᙢf1"VB.i◅kl1"VC..noᔣ1"VD.ᦈrst1"VE.ᢗIuᦈvw1"V

29x᪆zWᑶᢗIYZ[-ἠஹ]ᑶ7{ᙠ|}Ḅ^_zᢗIὅᙢf1"~i◅kl1"~ᦈrst1"~ᢗIvw1"~.noᔣ1"~ᢗIuᦈvw1"஺104.B᧕Ḅ⌕ᑴlᒹ஺A.WZᑴlJB.6]ᑴlVC.ᢝ▲ᑴlVD.ᜧᡝᑴlVE.ᑴlVx᪆z᪷B᧕ᳮᩩᓝᩩ¡B᧕ᡠᢥ᯿¥¦ᨵᐵ¡¨©Ꮙᐰ}ᑡi◅ᳮᑴlzজWZᑴl;ঝ6]°±ᑴl;ঞ³´µ¶ᑴl;টᢝ▲/ᜧᡝᢝᑴl;ঠi◅¹ᜓZᑴl;ড¥¼▾B¾ṓᳮÀ᪀¡Ḅᐸ'i◅ᳮᑴl஺ÂKᕒᑖÅ°±ᑴlḄB᧕ᡠÆÇ#ÈÉWZᡈὅË஺KᕒCᙠB᧕ᡠ¡Ḅ#ÌᑁÈÉWZᡈὅËḄB᧕ᡠÍÎKᕒḄᔠÐ஺105.}ᑡÒᔠÓÔÕᐳ/¥᜜IᳮᩩḄᨵ஺A.᜜¥ᑖØ¥ÔÕᢇ¹ÚØ⃩°ÜஹÝÜÞ¼JB.᜜¥ß⊤ᜐḄáᡠâãḄÕäåæᵫᐸß⊤Ḅ᜜¥èéVC.᜜¥ᢥ᯿¥¼▾Þ¾ṓᳮÀ᪀ᢇ¹ḄÞ¼ëÚ|Ø⃩ßᳮ◅Þ¼VD.᜜¥ᢥ᯿¥¼▾Þ¾ṓᳮÀ᪀ᢇ¹ḄÞ¼ëÚ|ìäᓱÞ¼VE.᜜¥ᑖÚ|ᔾᦈ¥᛻ᑁðÕñò1Mó50ôᐗÔÕḄ¡B{öx᪆zÓÔÕᐳ/¥᜜Iᳮᩩᓝ÷ᩩ¡᜜¥ᑖÚ|ᔾᦈ¥᛻ᑁðÕñò1Mó100ôᐗÔÕḄ¡B{ö஺ᦑE⌱⚗┯@஺AஹBஹCஹDø⌱ắᙳûü஺106.ᑭ᳛ᓄ5ÔᢗIᳮÿᶍ⚜ᩭᑭ᳛ᩭᢗᳮᶍ᦮!"஺A.&'ᡂ)*+,-./0B.23456,-᜜8/0C.᜜8ᑭ᳛:;6*+᜜8/0VD.>ἠ☢ABCD*+/0VE.>ἠ☢AFG◅,-/0I᪆KL⚜MNᑭ᳛O,ᢝQRᦈTU*ᢝ>ἠஹWXஹ.ஹ᜜8YU஺

30107.^3_ᡠaᐹᨵdefgᨵᑡgi!"஺A.^3:ajklmnᡈᵨqᢗU45^3ᓰᵨᐹᨵDᡂ)JB.ᢗᨵG◅◤⌕vwG◅⊡yJC.^3ᵨqᢗᓽ:{f45D.|^}~:;⌼ᡂ^3fVE.^3ᐹᨵᦈefI᪆K^3defᢣ^3ḼdḄḄ*fXdef஺^3_ᡠaᐹᨵdefgKজ^3:ajklmnᡈᵨqᢗ45^3ᓰᵨᐹᨵDᡂ);ঝ|^}~^3f;ঞᢗᨵG◅◤⌕vwG◅⊡y஺108.ᑡqᡲW)⌕iḄ!"஺A.ᡲVB.ᡲᐵVC.ᡲḄVD.ᡲᦈ᳛E.ᡲ▲I᪆KᡲW)⌕iᒹᡲஹᡲஹᡲḄᡲᐵ஺109.¡¢£¤Ḅᑁ¦§ᑴᑴ©ᳮª«⌕¬¡¢!"஺A.®¯ᡝᔠ²³ᳮᑴ©B.ᳮª«Ḅᑖ᪆ஹµ᪶5·ᑴ©VC.G◅³ᳮᑴ©D.ᑁ¦¸ṓº¢µ᪶ᑴ©VE.ª«»¼ᑴ©VI᪆Kᳮª«⌕¬¡¢Kজᳮª«Ḅᑖ᪆ஹµ᪶®5·ᑴ©;ঝᑁ¦¸ṓº¢µ᪶ᑴ©;ঞᑖ½³ᳮᑴ©;টª«»¼ᑴ©;ঠᐙᑖᣴᩗᑴ©…110.Ä◅ÅƮǪÈᳮ¡¢ÈᳮᐵᨵÉÊËRǪÈᳮ!"஺A.ᨵkÌÍḄÈᳮΩB.ᨵkÎÈᳮnᵨC.ÏᡲÈᳮ◅ÐᙠÄ◅ǪÈᳮÒ:ÓᐕÒÖᑁVD.ᐹᨵÄ◅ǪÈᳮÒ:ÓVE.×ØÙÚÛV

31I᪆KÄ◅ÅƮǪÈᳮ¡¢ÈᳮᐵᨵÉÊËRǪÈᳮḄÜÝᨵKজᐹᜓÄ◅ǪÈᳮÒ:Ó;ঝÏᡲÈᳮ◅ÐᙠÄ◅ǪÈᳮÒ:ÓᐕÒḄÖᑁßঞ×ØÙḄàªÚÛ஺111.ᙠᡃâl®ãXᨵᐵḄᢗᳮäåᨵ!"஺A.æçãXèªÅÆḄBM>ἠB.æçéãXJC.æçX3VD.æçêᱥãXVE.æçãXWXVI᪆Klì⌕ḄãXᢗí⍝ᑖKéãXஹêᱥãXஹX3ஹ®ãXᢞðḄᳮUWXY஺112.ᑡ〉ᔠóᢗ᪗Ḅ!"஺A.õö'B.Rö'C.æç÷øD..ᙢVE.âúVI᪆KA⚗〉ᔠüᢗ;BஹC⚗〉ᔠýᢗ;DஹE⚗〉ᔠóᢗ஺113.ᳮUḄÿ
ា᧜ឋᵨᨵḄ஺A.ឋVB.ឋC.ឋVD."#ឋVE.%◅ឋ'᪆)᪷+,ᖪ./01234ᳮ6.7%◅89:Ḅ;<ᳮ6Ḅ=
ា᧜ឋᵨᨵឋஹ"#ឋ?ឋḄ஺114.ᖪ./034ᳮ6.74ᕒᒹE஺A.├Gᳮ6HᑜḄ.74ᕒVB.JKᡝ8M67ᑖ᪆ஹ67;ᑜḄ.74ᕒVC.JKᡝ8MᢗPQRḄ.74ᕒVD.├GᢗPឋḄ.74ᕒVE.STឋ.7UV4ᕒ

32'᪆)᪷+,ᖪ./034ᳮ6.7Wᳮᨚ0YZ:[ᓝ]ᩩ;<ᖪ./034ᳮ6.74ᕒ
ᒹEJKᡝ8M67ᑖ᪆ஹ;ᑜᡈᢗPQRḄ.74ᕒ├Gᳮ6HᑜᡈᢗPឋḄ.74ᕒ`aᐸcd34ᳮ6.7├G?WᳮefghiᐵḄk.4ᕒ஺115.mnopᳮ6ᒹE஺஺A.mnqrJB.mnqᩗVC.6u◅VD.4vu◅VE.w᪀ᓄmnopV'᪆)mnopᳮ6zdmnopiᢞ|Ḅᳮ6mnopzᙠ~ẠmnᐹḄ~ẠpᩭḄmnᐹ஺qᩗஹqrஹᣚ?ᣵqmnopw᪀ឋmnopzmnᢈ<ᦈdmnopiwᔠᡂḄ3⌱⚗ᐰ஺116.᪷+,ᖪ./034ᳮ6.7Wᳮᨚ0YZ:Ḅ;<34ᳮ6.7zᢣᖪ./0J34Kᡝ8MḄ()£k.ᓄ¤7஺A.67ᑖ᪆ஹ67;ᑜVB.᜜¦ᳮ6ஹ4§¨ᳮ6C.ᢗP©ªஹPWᳮJD.u◅;ᑜஹ6«ᡲE.®¯°ஹ«±²³ஹ´µஹ¶₞'᪆)᪷+,ᖪ./034ᳮ6.7Wᳮᨚ0YZ:[¸ᩩ;<¹YZᡠ34ᳮ6.7zᢣᖪ./0J34Kᡝ8MḄ67ᑖ᪆ஹ67;ᑜஹᢗP©ªஹPWᳮ£k.ᓄ¤7ef஺117.¼½ἠ½¿ÀᨵḄᩗᑭÂ⌕ᒹE()஺A.ÄÅÆᜧÈÉḄÊdᩗVB.ÄÅËÌ?ᒕÌPᑖÎᩗVC.⌱ÏWᳮὅD.ÑᐜÓÔÕ½ḄᩗᑭVE.Ö×Ø1ÙÚ½¿ᜧÛV'᪆)¼½ἠᢝᨵὅᢥᐸᡠᢝᨵ½ÞßàÀᨵ`á~¹ᩗᑭ)জÊdÄÅã⃩Ḅ⊤Èᩗ;ঝÊd½èéᑭḄᑖÎᩗ;ঞÑᐜÓÔÕ½ḄᩗᑭëটÖ×Ø1ÙÚ½¿ᜧÛḄᩗᑭ;ঠÄÅẚïðZᑖÎᒕÌ6Ḅᩗᑭ஺½¿ᜧÛñᨵᩗᑭ⌱ÏWᳮὅC⚗┯"஺

33118.¼½½ἠᢝᨵὅᢥᐸᡠᢝᨵ½ÞßàÀᨵḄᩗᑭᨵ஺A.ÄÅÈÉÊdᩗVB.ᑭôᑖÎᩗ7C.ÑᐜÓ½ᩗJD.½ἠõöᩗE.ᒕÌPᑖÎᩗV'᪆)¼½½ἠᢝᨵὅᢥᐸᡠᢝᨵ½ÞßàÀᨵÄÅÈÉÊdᩗஹᑭôᑖÎᩗஹÑᐜÓ½ᩗaᒕÌPᑖÎᩗ£~¹ᩗᑭ஺119.r¨øù~mḄᢗPúûᒹEáᑡ஺A./0ýq¯°VB.ýqþÿᑶVC.ἠD.ᐟἠVE.ᢣ᪆ᢗḄ▲!1#$%⌕ᒹ()*+ஹ)-.ᑶஹ/01ᑶஹᜧ34567*ᓫஹᖪ:;ἠஹᐟἠ<஺ἠ>ᢣ?ᙠᢗBᑁ஺120.ᖪ:ᙠFᑏᨵᐵJKLM>NOᩞᧇR$STḄUVᒹ(WX஺A.Z[\]^ᡝB.᪷bc7dReᨵᐵᩞᧇᔣghijVC.klm⌕ḄnopqJD.sᨬuᦈw᳛E.yᐙᑖḄ|◅~J᪆ᖪ:ᙠFᑏᨵᐵJKLM>NOᩞᧇR$SyᐙᑖḄ|◅~dm⌕Ḅnopq$᪷bᨵᐵᳮc7e◤⌕ijḄᩞᧇdRᔣ-:gṓᳮᕒhij஺121.ᖪ:Ḅ^ᡝᑜᢗ$ᑣᐸ4⌱ḄᢗᨵWX஺A.”VB.VC.VD.E.ᩩᙽV

34᪆-gḄ$¡¢£ᢗὅ?4¥⌱¦§ᩭᢗḄ஺©ᐸª«⚗ᙳ4⌱஺ᦑAஹBஹCஹE⚗¯°஺122.ᖪ:ᙠkl¢£ᳮ±²³´µ>¶ᔠᳮ±´µ¸¹%⌕☢»()<|◅஺A.ᢈ¿|◅B.ÀV|◅JC.ÁÂ|◅VD.⍝Ä|◅E.ÅÆ|◅V᪆¢£ᳮ±:µḄ|◅ᳮ$ÇSᒹ(ᖪ:ᙠkl¢£ᳮ±²³´µ>¶ᔠᳮ±´µ¸¹☢»ḄÅÆ|◅ஹÀV|◅ஹÁÂ|◅<%⌕|◅$ÈSᒹ(ᳮ±ᑜᡈJKᒹÊḄËᐵÌ᧕UᐹḄ|◅ஹÏᵨ|◅ஹÀV|◅ஹÑÒឋ|◅dᖪ:yᨵᐵᢗÀV>Jᳮ☢»ḄᐸÔ|◅஺123.ᳮ±^ᡝÖ×ÏᡲJKR◤⌕ὃ⇋Ḅ|◅ÛÜᒹ(()஺A.¡ÝÞ|◅B.ᢗ⚗ß|◅VC.⚗ß%à|◅VD.Ïᡲáâ|◅VE.ÑÒឋ|◅V᪆ÏᡲJK|◅%⌕ᒹ(ᢗ⚗ß|◅ஹ⚗ß%à|◅ஹÏᡲáâ|◅>ÑÒឋ|◅஺ᦑBஹCஹDஹE¯°஺©¡ÝÞ|◅ã!äåæ|◅$çᡠᨵḄᳮ±JKéh☢»Ḅ|◅$?4ᑖᦣ>5ëḄ|◅$Ûì$A⌱⚗?◤⌕ὃ⇋Ḅ஺124.ᖪ:ᳮ±:µ$4ᵫ:gṓᳮð᪀òbóô£õᐳ>-:gṓᳮÅ÷Ḅc7øùᜐûḄüýᒹ(஺஺A.ᑭᵨ¢£ᳮ±:µÿ
ஹ⌫ḄB.ᵨᓫᳮḄᡝḄC.├!ᢇ#Ḅᳮ$%ᑜᡈ(ḄVD.+,-./01(23ᳮ$%ᑜ├456ᑭ᳛ᳮ9:;<=>?@AB.ḄVE.DEFᎷḄᡂIᦈKᑖ᪆NOᡈP◅ᦈK⚜SᦪUḄVV᪆WXᖪZ[=ᳮ$(├ᳮ\]^_ᓝaᩩ;ᖪZ[=cdefᳮ$Zgᨵiᑡklm,Ḅ;ᵫ[=Zoṓᳮq᪀sUXtufvᐳx5

35[=Zoṓᳮ]Ḅz{ᜐ}Wজ├!ᢇ#Ḅᳮ$%ᑜᡈ(Ḅ;ঝ+,-./01(23ᳮ$%ᑜ├456ᑭ᳛ᳮ9:;<=>?@AB.Ḅ;ঞDEFᎷḄᡂIᦈKᑖ᪆NOᡈP◅ᦈK⚜SᦪUḄ;টᢥ<=P◅xA☄Ḅ;ঠᢥ<=ᡝḄ஺AஹB⚗tḄ=3;[=Zoṓᳮq᪀sUXtufvᐳx5[=Zoṓᳮ]^ᓝᩩḄxX=3ᜐ}\]Ḅ?ᐵḄℏஹ@ᳮfᕒxᐸfᕒ<=ᜐᳮ;᪀ᡂḄ;s¡¢ᑛ஺125.§¨ᖪZ[=efᳮ$Zg©dḄª«ᨵ¬஺A.t®q᪀©d¯°VB.ᖪZ[=efᳮ$Zg±VC.ᡝᳮ$ZgḄ²³´JD.q᪀oᑴ´VE.ᐸᳮ$q᪀ᳮ$ZgḄ©dVV᪆WᖪZ[=efᳮ$ZgḄᡈ·§¨ª«ᒹ¹Wজᡝᳮ$Ḅ²³º´;ঝᖪZ[=efᳮ$ZgḄ±;ঞᐸᳮ$q᪀ᳮ$ZgḄ©d;টt®q᪀©d¯°;ঠo»ᑴ஺126.[=Z½Zfᕒ¾¿⍳ÁIÂZÃÄ;4ŬḄoṓ஺A.56ÆqᐵB.[=ZÇÈVC.[=Zoq᪀VD.ÉÊË»E.ÌÈÍÎVV᪆W᪷UX[=Z½ZfᕒÂZÃÄ]^Ðᩩ;[=Z½Zfᕒ¾¿⍳ÄIÂZÃÄ;4Åᡠᙠq᪀ஹ[=ZÓÔÕÖஹoq᪀xÌÈÍÎḄoṓ஺ᦑBஹCஹE⚗ØÙ஺127,ÜefᢝᨵḄᐸ?Þ;ßᙢḄᱯâã⌕ᒹ¹¬஺A.åឋVB.ᨵ▲ឋVC.èéêéឋJD.ëìឋVE.@íឋ

36V᪆Wßᙢᓽï;ðᢣòᙢஹóôᱥö÷▬ḼᙠòᙢᡈóôᱥúḄïᑖûḄüᑖx▬ýḄᔜÿᩗ
஺ᙢḄᐸᨵḄᱯឋஹᨵ▲ឋஹឋឋ஺128.$☢&'()*+Ḅ,-ᳮ/01◅34஺A.ᑭ᳛1◅VB.:;1◅JC.>?1◅VD.ABឋ1◅JE.Dᵨ1◅VF᪆ᨬ*+Ḅ,-ᳮ/01◅ᒹJ:;1◅ஹKL1◅ᡈDᵨ1◅ஹ>?1◅ஹᑭ᳛1◅ஹN᳛1◅ஹABឋ1◅ஹOPQR1◅STᐸUᨵVW1◅ஹX᧕Z[\ᳮ1◅ஹ]^1◅ஹ_`ᢙbcd᜜fgS1◅஺129.ᖪj,-klᳮ/jmᨵ&'nopqT᪀ᡂtuḄTvwxyᑛf{|஺A.}ᵨᓫ\ᳮḄᡝḄVB.ᑭᵨᳮ/jmfஹ⌫SKwtuBḄVC.☄ᡈ_ᵨᡝᧇX᧕D⌼ᡂḄJD.ᐵ1◅\ᳮᑴ\ᳮTᡈᐵᑴ▭¢1◅£¤ஹ¥¦\§¨©T⌼ᡂ,-ᜧ«ᜫḄVE.Kklᳮ/jm⌼ᡂ,-ᡈᡝᜧ®¯«ᜫḄVF᪆ᖪj,-klᳮ/jmᨵ$ᑡnopqḄT,-j¥ṓ\ᳮ²᪀`v³´µ¶·ᐳ¹,-j¥ṓ\ᳮwº»¼ᓝ¾ᩩḄ´ÀÁKw-ÂᜐÄÅwºḄᐵZÆÇÈ{ḄℏfஹÊË\ᳮᕒᐸÆÇ{|ᕒÍ-ᜐᳮT᪀ᡂtuḄTvwxyᑛf{|জKklᳮ/jm⌼ᡂ,-ᡈᡝᜧ®¯«ᜫḄ;ঝᐵ1◅\ᳮᑴ\ᳮTᡈᐵᑴ▭¢1◅£¤ஹ¥¦\§¨©T⌼ᡂ,-ᜧ«ᜫḄ;ঞ☄ᡈ_ᵨᡝᧇX᧕D⌼ᡂḄ;টᑭᵨᳮ/jmfஹ⌫SKwtuBḄ;ঠ}ᵨᓫ\ᳮḄᡝḄ஺⚪ÕµḄÖ⌱⚗ÙÚᔠ஺130.Þß®¯:;Z)ᢗᳮ/ᨵáឋâãTᐸµÞß®¯:;ᒹJ&'஺A.ᦈᐭᑖç:;VB.èᶭê:;C.ᦈ:;VD./::;V

37E.ìí:;JF᪆Þß®¯:;ᒹJজ/::;;ঝìí:;;ঞᦈᐭᑖç:;;টᦈ:;஺îஹᑨð⚪131.ñᑶ4ᳮ/0Ḅó᪗ᡝõ⌕÷1◅øùúbûḄᢗὅ஺஺A.ýþJB.┯
᪆ᑶᳮḄᱯ᪀ᓫஹᢗ◅ஹᡝ⚜ᦈ஺ᑶᳮḄ"#$%&'(ᡝ)᧕ᳮ
஺+,(ᐸ.᪗ᡝ0⌕2◅345678Ḅᢗὅ஺132.ᖪ?@AᑁCDECFGHIᳮJKLMḄN?DE(OᑴDEQ(STUDEVWḄXYឋ஺()A.^_VB.┯133.ᙠdefghiᩞᧇḄᑁ)lmn⚜opdeḄUᑶᢗ?q(rsmntQ3uᦈᡈὅ3wxᜫ஺()A.^_B.┯V
᪆zUᑶᢗde├|}ᳮ~ᓝᩩQdefghiᩞᧇஹ_(deᔠஹde(sᨵᑡᎷஹឋ▰ᡈὅ¡ᜧ⍡¤¥⚜odeḄUᑶᢗ?q¥tQ3uᦈᡈὅ3wxᜫ஺134.ᡝ§@A¨©ªᣚᡂ®"#de(¯HᳮA2ᦋ±²ᐸ³´᳛஺()A.^_B.┯V
᪆ᡝ§@A¨©ªᣚᡂ®"#de(¶ᦋ±²·(S¸ᨵ¹ºᡈ»¼½(ᡠn¸ᨵᦋ±ᐸ³´᳛஺135.GÀÁ᜜Ã"#(ᓽ᜜Ã"#)ÅÆᜧஹÇ᧕VÈÉÊËÌ)᧕(᧕Àᣓᣍ"#A(ᨬ0⌕Ḅ᜜Ã"#·஺()A.^_VB.┯

38136.Ꮇ᝞.ÓÔÕ¨©ᑭ᳛23.5%,ÙÚTUᦈᳮEᑜmnᔣᢗὅ3uÝᦈ᳛28%Êß▬ºᩩáTUᦈ஺()A.^_B.┯V
᪆zᖪ?@Aᳮ├|}ᳮ~ᓝâᩩQᖪ?@Asßᩩáᔣᡝ3u'À¨©ᑭ᳛ḄTUᦈ᳛¥'À¨©ᑭ᳛ḄTUᦈ(OãGᡝᨵ▬ºᩩáḄTUᦈ஺137.åæឋ◅smᑖᦣ◅஺()A.^_VB.┯
᪆åæឋ◅ᓽ"#◅(ᢣᵫ᦮ìíîஹïðஹñòóô᛻+öGUᑶÌ÷ᡠ⌼ᡂḄùú஺åæឋ◅ᒹüíý◅ஹïðᕜឋÿ
◅ஹᑭ᳛
◅ஹ
◅ஹ᳛
◅஺
◅ᑖᦣᢗ◀!ᑖᦣ
◅஺138.'()*+,ឋ.ᡝḄᳮ23ᢗ4᛻ᑁ789:;<=᧕Ḅ?ἠ஺()A.DEVB.┯IJ᪆LMNO'PQᐵ4S+TUᖪX'(YZᳮ2X[ᢗ\ᳮᨵᐵ^⚪Ḅ`ab☢dᑮᖪX'(ᳮ23)ᢗ4᛻ᑁ789:;<=᧕Ḅ?ἠᡈgᐸiᐵḄjᑶᢗ3lm!ngo?N஺139.ᖪX'(q┐sᳮ2t^u[vwᔠᳮ2u[Ḅyᱯ{ᑖ|ᑴ~t^u[vwᔠᳮ2u[Ḅ\ᳮUᑴ஺()A.DEVB.┯IJ᪆LMᖪX'(YZᳮ2X[\ᳮᨚ(aᓝᩩU~LᖪX'(qᏉᐰYZᳮ2X[\ᳮEYZᳮ2X[Ḅ\ᳮ┐sᳮ2t^u[vwᔠᳮ2u[Ḅyᱯ{ᑖ|ᑴ~ᳮ2t^u[vwᔠᳮ2u[Ḅ\ᳮUᑴEiᐵvZᕒḄ஺140.ᖪX'(ẆoḄᢗqᑴ~<ᢇgUᙠS(oḄᢗ<¡¢£q¤<Ḅ¥¦ஹ!(ឋஹ§├©Ḅªᙠ«᪗.ᡝS(ᑖ᪆®¯ᑁ°ᔠUᢇ±஺()

39A.DEB.┯IVJ᪆LᖪX'(ẆoḄᢗqᑴ~<ᢇgUᙠS(oḄᢗ<¡¢£q¤<Ḅ¥¦ஹ!(ឋஹ§├©Ḅªᙠ«᪗.ᡝS(ᑖ᪆®¯ℏ³Qᡈ´8\ᳮµᢇ±஺141.¶·Ḅ¸¹º»¼ஹ¶½¾᳛v
◅¯¿᪀ᡂᢗḄÂ⌕ᦈÅ᳛஺஺A.DEVB.┯IJ᪆LÆÇᦈÅ᳛ȶ·Ḅ¸¹º»¼Éஹ¶½¾᳛v
◅¯¿Êᑖ᪀ᡂËᢗὅḄÂ⌕ᦈÅ᳛஺ÍmS(+⚗ᢗ!ÏÐḄᨬÒᦈÅ᳛஺142.ᙠ+89:ETFḄᵭgØÙ+,ÚᨵU~ᦪÜ▲ᑴ஺ÈÉA.DEB.┯IVJ᪆Lᙠ+89:ETFḄᵭgØÙ+,ᨵU~ᦪÜ▲ᑴᓽ+Y᪀⌼ᓫáâᐸ᦮ᦪäÒ4+Y᪀⌼ᓫáḄᵭvØÙåÏÐ஺143.?ἠᐭ»gᓬ軡ºḄéê¤mëᑭ)ëᑭ)ìmDḄ஺ÈÉA.DEB.┯IVJ᪆L?ἠᐭ»gᓬ軡ºḄéê¤mëᑭ)஺ëᑭ)!D!í?ἠᓬè»ᜧ4ᐭ»¹ëᑭ)Dïᓬè»ð4ᐭ»¹ëᑭ)í஺144.ì⌕íñòóôÒ40.4,.ᡝḄ2[ö÷èøùឋúḄ!ឋ¤ûÒ஺ÈÉA.DEB.┯IVJ᪆L.ᡝḄYZíñ⊤Níñý¹Q☢þùឋᓻ஺ᔠᳮḄᭆᦈᐭḄᔠᳮᙠ0.4,⌕ὃ⇋!ᦈᐭ"#$%&'(஺ᡠ*+,-᪷/0.4ᩭ12ᙢ45ᔲ☢89#ឋ;⚪஺145.ᳮ?@;AᕒᙠᦈCDᡝFGHIJK᝞MDᡝNOAP',QRSTUV;⚪KWXAᕒYZ[\DᡝOA◚^_,-`abc;஺de

40A.g4JB.┯ij᪆lᙠᦈCDᡝHIḄmnoK᝞MDᡝNOAP',QRSTUV;⚪KWXAᕒpYZqrᙢsjDᡝtu@⇋ḄP'K+ᔣDᡝjwZHIḄ\⌕ឋK*xᙠyzZHI{|}~-⌼ᡂḄi஺