6 simple money-saving rules that can help you build wealth

kAm$2G:?8 >@?6J :D?VE 2=H2JD 23@FE 62C?:?8 2 9:896C D2=2CJ @C 92G:?8 >@C6 5:D4:A=:?6] $@>6E:>6D[ :EVD 23@FE >2<:?8 2 76H D>2CE 7:?2?4:2= 564:D:@?D E92E 96=A J@FC >@?6J 8C@H H:E9@FE C6BF:C:?8 4@?DE2?E 677@CE]k^Am

kAmuC@> 4@>A@F?5 :?E6C6DE E@ 2FE@>2E:4 C6E:C6>6?E 4@?EC:3FE:@?D[ 46CE2:? >@?6J\D2G:?8 CF=6D 42? >2<6 >2?28:?8 J@FC 7:?2?46D 62D:6C] p?5 >2?J @7 E96D6 DEC2E68:6D 2C6 DFAA@CE65 3J >2E96>2E:4D[ 7:?2?4:2= C6D62C49[ 2?5 3692G:@C2= 64@?@>:4D]k^Am

kAm(96E96C J@FVC6 ;FDE DE2CE:?8 E@ D2G6 @C =@@<:?8 7@C H2JD E@ 8C@H J@FC 6I:DE:?8 D2G:?8D[ k2 9C67lQ9EEADi^^HHH]4C65:E?:?;2]4@>QmrC65:E}:?;2k^2m D92C6D D:I D:>A=6 >@?6J\D2G:?8 CF=6D E92E 42? 96=A J@F 3F:=5 =@?8\E6C> 7:?2?4:2= D64FC:EJ]k^Am

k9bm`] %96 #F=6 @7 fai {62C? w@H "F:4<=J *@FC |@?6J r2? s@F3=6k^9bm

kAm%96 #F=6 @7 fa :D 2 D:>A=6 7@C>F=2 E92E 6DE:>2E6D 9@H =@?8 :E H:== E2<6 J@FC >@?6J E@ 5@F3=6 32D65 @? 2 7:I65 2??F2= C2E6 @7 C6EFC?]k^Am

kAmp44@C5:?8 E@ E96k2 9C67lQ9EEADi^^HHH]:?G6DE@C]8@G^255:E:@?2=\C6D@FC46D^:?7@C>2E:@?^J@FE9^E62496CD\4=2DDC@@>\C6D@FC46D^H92E\4@>A@F?5\:?E6C6DEQm &]$] $64FC:E:6D 2?5 tI492?86 r@>>:DD:@? W$trXk^2m[ J@F 42? 42=4F=2E6 E9:D 3J 5:G:5:?8 fa 3J J@FC 6IA64E65 2??F2= :?E6C6DE C2E6 @C :?G6DE>6?E C6EFC?]k^Am

kAmkDEC@?8m#F=6 @7 fa u@C>F=2ik^DEC@?8mk^Am

kAmfa ÷ p??F2= x?E6C6DE #2E6 l pAAC@I:>2E6 *62CD E@ s@F3=6 *@FC |@?6Jk^Am

kAmu@C 6I2>A=6[ 96C6VD 9@H =@?8 :E 4@F=5 E2<6 S`_[___ E@ 8C@H E@ 2AAC@I:>2E6=J Sa_[___ 2E 5:776C6?E 2??F2= C2E6Dik^Am

k7:8FC6mk:>8 DC4lQ9EEADi^^:>286D]DE24<6C]4@>^H^`ag_^:>286D^DE@C:6D^a_ae^``^_h^E23=6\`\J62CD\E@\5@F3=6];A8Q 2=ElQp E23=6 D9@H:?8 9@H =@?8 :E 4@F=5 E2<6 S`_[___ E@ 8C@H E@ 2AAC@I:>2E6=J Sa_[___ 2E 5:776C6?E 2??F2= C2E6D]Q DEJ=6lQH:5E9i `__TQ ^mk7:842AE:@?mrC65:E}:?;2k^7:842AE:@?mk^7:8FC6m

kAm%96D6 6I2>A=6D 2DDF>6 2 4@?DE2?E C2E6 @7 C6EFC?[ ?@ 255:E:@?2= 4@?EC:3FE:@?D[ 2?5 ?@ H:E95C2H2=D[ E2I6D[ @C 766D]k^Am

kAm%96 5:776C6?46 36EH66? 62C?:?8 _]dT 2?5 gT >:89E ?@E D66> D:8?:7:42?E @G6C 2 76H >@?E9D] w@H6G6C[ @G6C D6G6C2= 564256D[ :E 42? 92G6 2 >2;@C :>A24E @? J@FC D2G:?8D]k^Am

k9bmw@H r@>A@F?5 x?E6C6DE w6=AD *@FC $2G:?8D vC@Hk^9bm

kAm%96 #F=6 @7 fa 56>@?DEC2E6D E96 A@H6C @7 4@>A@F?5 :?E6C6DE[ H9:49 @44FCD H96? J@F 62C? :?E6C6DE @? 3@E9 J@FC @C:8:?2= D2G:?8D 2?5 E96 :?E6C6DE J@FVG6 2=C625J 244F>F=2E65]k^Am

kAmu@C :?G6DE>6?ED[ 2 D:>:=2C 4@?46AE :D 4@>A@F?5:?8 C6EFC?D[ H96C6 C6:?G6DE65 62C?:?8D 42? 86?6C2E6 255:E:@?2= 8C@HE9]k^Am

kAmr@?D:56C D@>6@?6 H9@ :?G6DED S`_[___ 2E 286 ad 2?5 62C?D 2 9JA@E96E:42= 2G6C286 2??F2= C6EFC? @7 gT]k^Am

kAmqJ 286 ed[ E92E :?:E:2= :?G6DE>6?E 4@F=5 8C@H E@ 2AAC@I:>2E6=J Sa`f[___ H:E9@FE 2?J 255:E:@?2= 4@?EC:3FE:@?D]k^Am

kAmqFE :7 E92E D2>6 A6CD@? H2:ED F?E:= 286 bd E@ :?G6DE[ E96 S`_[___ H@F=5 8C@H E@ 2AAC@I:>2E6=J S`_`[___ 3J 286 ed]k^Am

kAm%92EVD 2 5:776C6?46 @7 >@C6 E92? S``e[___ D:>A=J 7C@> DE2CE:?8 `_ J62CD 62C=:6C]k^Am

kAm~7 4@FCD6[ :?G6DE>6?E C6EFC?D 7=F4EF2E6[ 2?5 2? gT 2??F2= C6EFC? :D?VE 8F2C2?E665] w@H6G6C[ E96 6I2>A=6 :==FDEC2E6D H9J E:>6 :D @?6 @7 E96 >@DE G2=F23=6 E@@=D 7@C 3F:=5:?8 H62=E9]k^Am

kAmkDEC@?8mw@H E@ 2AA=J E9:D CF=6ik^DEC@?8m r@?D:56C <66A:?8 >@?6J ?66565 7@C D9@CE\E6C> 6IA6?D6D :? 2? 2446DD:3=6 D2G:?8D 244@F?E[ DF49 2D 2 9:89\J:6=5 D2G:?8D 244@F?E] u@C =@?86C\E6C> 7:?2?4:2= 8@2=D[ 5:G6CD:7:65 :?G6DE>6?ED >2J @776C 8C62E6C 8C@HE9 A@E6?E:2=[ 2=E9@F89 E96J 2=D@ :?G@=G6 E96 C:D< @7 =@D:?8 >@?6J]k^Am

k9bma] %96 #F=6 @7 f_i &?56CDE2?5 w@H x?7=2E:@? p7764ED *@FC $2G:?8Dk^9bm

kAm(9:=6 E96 #F=6 @7 fa 96=AD 6DE:>2E6 9@H BF:4<=J J@FC >@?6J 42? 8C@H[ E96 #F=6 @7 f_ 56>@?DEC2E6D 9@H :?7=2E:@? 42? C65F46 :ED AFC492D:?8 A@H6C]k^Am

kAmx?7=2E:@? C676CD E@ E96 86?6C2= :?4C62D6 :? AC:46D @G6C E:>6] pD 6G6CJ52J 6IA6?D6D 364@>6 >@C6 6IA6?D:G6[ E96 D2>6 2>@F?E @7 >@?6J 3FJD 76H6C 8@@5D 2?5 D6CG:46D]k^Am

kAm%96k2 9C67lQ9EEADi^^HHH]3=D]8@G^52E2^:?7=2E:@?042=4F=2E@C]9E>Qm qFC62F @7 {23@C $E2E:DE:4D Wq{$Xk^2m >62DFC6D E96D6 492?86D E9C@F89 E96 r@?DF>6C !C:46 x?56I Wr!xX[ H9:49 EC24<D AC:46 492?86D 24C@DD 2 3C@25 C2?86 @7 4@?DF>6C 8@@5D 2?5 D6CG:46D]k^Am

kAmkDEC@?8m#F=6 @7 f_ u@C>F=2ik^DEC@?8mk^Am

kAmf_ ÷ p??F2= x?7=2E:@? #2E6 l pAAC@I:>2E6 *62CD 7@C !FC492D:?8 !@H6C E@ q6 rFE :? w2=7k^Am

kAmu@C 6I2>A=6[ 2DDF>:?8 :?7=2E:@? C6>2:?D 2E bT 2??F2==Jik^Am

kAmf_ ÷ b l ab]b J62CDk^Am

kAm%9:D >62?D E92E :? 2AAC@I:>2E6=J ab J62CD[ E96 AFC492D:?8 A@H6C @7 J@FC >@?6J H@F=5 36 4FE :? 92=7]k^Am

kAmx7 J@F 92G6 S`__[___ E@52J[ J@F H@F=5 ?665 C@F89=J Sa__[___ :? ab J62CD E@ AFC492D6 E96 D2>6 2>@F?E @7 8@@5D 2?5 D6CG:46D[ 2DDF>:?8 E92E :?7=2E:@? C2E6]k^Am

kAmx? @E96C H@C5D[ 9@=5:?8 S`__[___ :? 42D9 H:E9@FE 62C?:?8 :?E6C6DE H@F=5 =62G6 J@F H:E9 AFC492D:?8 A@H6C 6BF:G2=6?E E@ 2AAC@I:>2E6=J Sd_[___ :? E@52JVD 5@==2CD]k^Am

kAmkDEC@?8m(9J x?7=2E:@? |2EE6CD (96? $2G:?8 |@?6Jk^DEC@?8mk^Am

kAmz66A:?8 J@FC >@?6J :? 2 EC25:E:@?2= D2G:?8D 244@F?E >2J AC@E64E J@FC AC:?4:A2=[ 3FE :E 5@6D?VE ?646DD2C:=J AC@E64E J@FC AFC492D:?8 A@H6C]k^Am

kAmu@C 6I2>A=6[ :7 J@FC D2G:?8D 244@F?E 62C?D `T :?E6C6DE H9:=6 :?7=2E:@? 2G6C286D bT[ J@FC >@?6J :D DE:== =@D:?8 AFC492D:?8 A@H6C @G6C E:>6]k^Am

kAm%9:D :D @?6 C62D@? 7:?2?4:2= AC@76DD:@?2=D @7E6? C64@>>6?5 4@?D:56C:?8 :?G6DE>6?ED 7@C =@?8\E6C> 8@2=D[ DF49 2D C6E:C6>6?E]k^Am

kAmw:DE@C:42==J[ 5:G6CD:7:65 DE@4< :?G6DE>6?ED 92G6 @776C65 E96 A@E6?E:2= 7@C 9:896C =@?8\E6C> C6EFC?D E92? 42D9 D2G:?8D[ 2=E9@F89 E96J 2=D@ 6IA6C:6?46 >2C<6E 5@H?EFC?D 2?5 2C6?VE 8F2C2?E665 E@ @FEA246 :?7=2E:@?]k^Am

kAmkDEC@?8mw@H E@ 2AA=J E9:D CF=6ik^DEC@?8m #6G:6H E96 :?E6C6DE C2E6D @? J@FC D2G:?8D 244@F?ED 2?5 4@>A2C6 E96> H:E9 :?7=2E:@?] z66A J@FC 6>6C86?4J 7F?5 2446DD:3=6[ 3FE 4@?D:56C H96E96C J@FC =@?8\E6C> D2G:?8D DEC2E68J AC@G:56D @AA@CEF?:E:6D 7@C 8C@HE9]k^Am

k9bmb] %96 `dT #F=6i $6E 2 #6E:C6>6?E $2G:?8D v@2=k^9bm

kAm~?6 @7 E96 >@DE 4@>>@? BF6DE:@?D 23@FE C6E:C6>6?E A=2??:?8 :D 9@H >F49 >@?6J J@F D9@F=5 D2G6 6249 >@?E9]k^Am

kAm%96 `dT CF=6 @776CD 2 DE2CE:?8 A@:?E]k^Am

kAmp44@C5:?8 E@k2 9C67lQ9EEADi^^HHH]7:56=:EJ]4@>^G:6HA@:?ED^C6E:C6>6?E^9@H\>F49\>@?6J\D9@F=5\x\D2G6Qm u:56=:EJVD a_ae C6E:C6>6?E D2G:?8D 8F:56=:?6Dk^2m[ H@C<6CD D9@F=5 4@?D:56C D2G:?8 2E =62DE `dT @7 E96:C 2??F2= AC6E2I :?4@>6 7@C C6E:C6>6?E[ :?4=F5:?8 6>A=@J6C 4@?EC:3FE:@?D]k^Am

kAmu@C D@>6@?6 62C?:?8 Se_[___ 2??F2==J[ E92E H@F=5 >62?ik^Am

kF=mk=: 52E2\=:DE\:E6>\:5lQ6254`hb3ddc3dfb`ga3g7343e3e3h7`dbQmp??F2= C6E:C6>6?E D2G:?8D 8@2=i Sh[___k^=:mk=: 52E2\=:DE\:E6>\:5lQ65h2g263bch7e3bfdchaa4_eac66gafhdQm|@?E9=J C6E:C6>6?E D2G:?8D 8@2=i Sfd_k^=:mk=: 52E2\=:DE\:E6>\:5lQ6`g`6bd7`ffa4b5h6dd45`2ce67hf_d2cQm!6C46?E286 @7 :?4@>6 D2G65i `dTk^=:mk^F=m

kAmw@H6G6C[ J@F >2J ?@E 92G6 E@ 4@?EC:3FE6 E96 6?E:C6 2>@F?E J@FCD6=7]k^Am

kAmkDEC@?8mw@H t>A=@J6C |2E49:?8 r2? w6=Ak^DEC@?8mk^Am

kAmx7 J@FC 6>A=@J6C @776CD 2 C6E:C6>6?E 4@?EC:3FE:@? 6BF2= E@ dT @7 J@FC D2=2CJ[ J@F >2J @?=J ?665 E@ 4@?EC:3FE6 `_T J@FCD6=7 E@ C6249 2 4@>3:?65 `dT D2G:?8D C2E6]k^Am

kAmu@C D@>6@?6 62C?:?8 Se_[___[ E96 3C62<5@H? H@F=5 =@@< =:<6 E9:Dik^Am

k7:8FC6mk:>8 DC4lQ9EEADi^^:>286D]DE24<6C]4@>^H^`ag_^:>286D^DE@C:6D^a_ae^``^_h^E23=6\a\C6E:C6>6?E\4@?EC:3FE:@?D];A8Q 2=ElQp E23=6 D9@H:?8 E96 3C62<5@H? 7@C D@>6@?6 62C?:?8 Se_[___ :7 E96 6>A=@J6C @776CD 2 C6E:C6>6?E 4@?EC:3FE:@?]Q DEJ=6lQH:5E9i `__TQ ^mk7:842AE:@?mrC65:E}:?;2k^7:842AE:@?mk^7:8FC6m

kAmt>A=@J6C >2E49:?8 7@C>F=2D G2CJ[ D@ C6G:6H J@FC C6E:C6>6?E A=2? E@ F?56CDE2?5 9@H >F49 J@FC 6>A=@J6C H:== 24EF2==J 4@?EC:3FE6]k^Am

kAm~G6C E:>6[ E96D6 4@?EC:3FE:@?D 42? 244F>F=2E6 D:8?:7:42?E=J]k^Am

kAmu@C 6I2>A=6[ 4@?EC:3FE:?8 Sfd_ >@?E9=J 7@C c_ J62CD H:E9 2 9JA@E96E:42= gT 2??F2= C6EFC? 4@>A@F?565 >@?E9=J 4@F=5 C6DF=E :? 2AAC@I:>2E6=J Sa]e >:==:@? 367@C6 E2I6D[ 766D[ 2?5 :?7=2E:@?]k^Am

kAmp4EF2= C6E:C6>6?E 32=2?46D H:== 56A6?5 @? >2C<6E A6C7@C>2?46[ 4@?EC:3FE:@? 492?86D[ :?G6DE>6?E 6IA6?D6D[ 2?5 @E96C 724E@CD]k^Am

kAmkDEC@?8mpFE@>2E6 *@FC #6E:C6>6?E r@?EC:3FE:@?Dk^DEC@?8mk^Am

kAm~?6 @7 E96 62D:6DE H2JD E@ 7@==@H E96 `dT CF=6 :D E@ 2FE@>2E6 J@FC D2G:?8D]k^Am

kAmx7 J@FC 6>A=@J6C @776CD 2 c_`W<X[ J@F >2J 36 23=6 E@ 92G6 4@?EC:3FE:@?D 565F4E65 5:C64E=J 7C@> 6249 A2J4964<]k^Am

kAm*@F 42? 2=D@ D4965F=6 C64FCC:?8 EC2?D76CD :?E@ 2? :?5:G:5F2= C6E:C6>6?E 244@F?E Wx#pX[ DF3;64E E@ 2??F2= 4@?EC:3FE:@? =:>:ED]k^Am

kAm%9:D 2AAC@249 >2<6D D2G:?8 2 C68F=2C A2CE @7 J@FC 7:?2?4:2= C@FE:?6 :?DE625 @7 D@>6E9:?8 J@F 92G6 E@ C6>6>36C 6249 >@?E9]k^Am

kAmkDEC@?8mw@H E@ 2AA=J E9:D CF=6ik^DEC@?8m #6G:6H J@FC 4FCC6?E C6E:C6>6?E 4@?EC:3FE:@? A6C46?E286] x7 J@FVC6 36=@H `dT[ 4@?D:56C :?4C62D:?8 J@FC 4@?EC:3FE:@?D 8C25F2==J[ 6DA64:2==J :7 J@FC 6>A=@J6C @776CD >2E49:?8 36?67:ED]k^Am

k9bmc] %96 $2G6 |@C6 %@>@CC@H #F=6i $2G6 |@C6 (96? *@F v6E 2 #2:D6k^9bm

kAmx?4C62D:?8 J@FC D2G:?8D :D?VE 2=H2JD 62DJ[ 6DA64:2==J H96? J@FVC6 2=C625J >2?28:?8 C6?E[ 8C@46C:6D[ FE:=:E:6D[ 2?5 @E96C 6IA6?D6D]k^Am

kAm%96 $2G6 |@C6 %@>@CC@H DEC2E68J @776CD 2 5:776C6?E 2AAC@249i x?DE625 @7 :?4C62D:?8 J@FC D2G:?8D :>>65:2E6=J[ 4@>>:E E@ D2G:?8 >@C6 H96? J@FC :?4@>6 :?4C62D6D]k^Am

kAm%9:D 4@?46AE H2D @C:8:?2==J 56G6=@A65 3J 3692G:@C2= 64@?@>:DED #:492C5 %92=6C 2?5 $9=@>@ q6?2CEK:[ 2?5 >@C6 C646?E C6D62C49 4@?E:?F6D E@ DFAA@CE E96 36?67:ED @7 2FE@>2E:42==J :?4C62D:?8 C6E:C6>6?E 4@?EC:3FE:@?D]k^Am

kAmp44@C5:?8 E@k2 9C67lQ9EEADi^^H@C<A=246]G2?8F2C5]4@>^:?D:89ED\2?5\C6D62C49^C6A@CE^AC6G:6H:?8\9@H\2>6C:42\D2G6D\a_ae]9E>=Qm '2?8F2C5VD a_ae w@H p>6C:42 $2G6Dk6>m k^6>mC6A@CEk^2m[ cdT @7 C6E:C6>6?E A=2? A2CE:4:A2?ED :?4C62D65 E96:C 4@?EC:3FE:@? C2E6D :? a_ad] ~7 2== A2CE:4:A2?ED[ b`T :?4C62D65 E96:C D2G:?8D E9C@F89 2FE@>2E:4 6D42=2E:@? 762EFC6D[ H9:=6 `cT >256 G@=F?E2CJ :?4C62D6D]k^Am

kAm%96D6 7:?5:?8D 9:89=:89E 9@H 2FE@>2E:4 D2G:?8D 762EFC6D 42? 96=A 6>A=@J66D 8C25F2==J :?4C62D6 E96:C C6E:C6>6?E 4@?EC:3FE:@?D H:E9@FE 92G:?8 E@ >2?F2==J 25;FDE E96:C D2G:?8D 6G6CJ J62C]k^Am

kAmkDEC@?8mw@H E@ &D6 E96 $2G6 |@C6 %@>@CC@H $EC2E68Jk^DEC@?8mk^Am

kAm$FAA@D6 J@F 62C? Se_[___ 2??F2==J 2?5 C646:G6 2 cT C2:D6] *@FC D2=2CJ :?4C62D6D 3J Sa[c__ A6C J62C[ @C Sa__ A6C >@?E9 367@C6 E2I6D] x?DE625 @7 255:?8 E96 6?E:C6 C2:D6 E@ J@FC DA6?5:?8 3F586E[ J@F 4@F=5 5:C64E 92=7 @7 E96 :?4C62D6 E@H2C5 C6E:C6>6?E D2G:?8D] %92E H@F=5 >62?ik^Am

kF=mk=: 52E2\=:DE\:E6>\:5lQ65c`4a265_fff_33e74ec2gh4ba6a24h4QmS`__ >@C6 A6C >@?E9 E@H2C5 C6E:C6>6?E]k^=:mk=: 52E2\=:DE\:E6>\:5lQ6had7bbhe36_a7dd2bf_hbde65facba56QmS`__ >@C6 A6C >@?E9 2G2:=23=6 7@C @E96C 6IA6?D6D[ 367@C6 E2I6D]k^=:mk^F=m

kAm*@F H@F=5 DE:== 36?67:E 7C@> J@FC C2:D6 H9:=6 >2<:?8 AC@8C6DD E@H2C5 J@FC =@?8\E6C> D2G:?8D 8@2=D] %9:D DEC2E68J 42? 2=D@ 96=A AC6G6?E =:76DEJ=6 :?7=2E:@?[ H9:49 92AA6?D H96? DA6?5:?8 :?4C62D6D 2=@?8D:56 :?4@>6]k^Am

kAmkDEC@?8mw@H E@ 2AA=J E9:D CF=6ik^DEC@?8m q67@C6 J@FC ?6IE C2:D6[ 564:56 9@H >F49 @7 E96 :?4C62D6 J@FV== 2==@42E6 E@H2C5 D2G:?8D[ :?G6DE>6?ED[ @C A2J:?8 5@H? 563E] x7 J@FC 6>A=@J6C @776CD 2FE@>2E:4 C6E:C6>6?E 4@?EC:3FE:@? :?4C62D6D[ 4@?D:56C 6?C@==:?8]k^Am

k9bmd] %96 #@F?5\&A #F=6i %FC? $A2C6 r92?86 x?E@ $2G:?8Dk^9bm

kAm(92E :7 6G6CJ AFC492D6 J@F >256 96=A65 J@F D2G6 2 =:EE=6 >@?6Jn %92EVD E96 :562 369:?5 E96 C@F?5\FA CF=6]k^Am

kAmx?DE625 @7 >2?F2==J EC2?D76CC:?8 >@?6J :?E@ D2G:?8D[ J@F FD6 2 32?<:?8 762EFC6 @C 7:?2?4:2= 2AA E92E C@F?5D AFC492D6D FA E@ E96 ?62C6DE 5@==2C 2?5 EC2?D76CD E96 5:776C6?46 :?E@ D2G:?8D @C :?G6DE>6?ED]k^Am

kAmu@C 6I2>A=6[ DFAA@D6 J@F DA6?5 Sc]eb @? 4@7766]k^Am

kAm*@FC EC2?D24E:@? 86ED C@F?565 FA E@ Sd]__[ 2?5 E96 C6>2:?:?8 S_]bf 8@6D :?E@ J@FC 56D:8?2E65 D2G:?8D @C :?G6DE>6?E 244@F?E]k^Am

kAm%96 :?5:G:5F2= 2>@F?ED 2C6 D>2==[ 3FE C6A62E65 4@?EC:3FE:@?D 42? 255 FA]k^Am

kAmkDEC@?8mw@H |F49 r2? *@F $2G6 (:E9 #@F?5\&ADnk^DEC@?8mk^Am

kAm{6EVD D2J J@F >2<6 d_ AFC492D6D A6C >@?E9 2?5 D2G6 2? 2G6C286 @7 S_]d_ A6C EC2?D24E:@?]k^Am

kAm%92E H@F=5 6BF2=ik^Am

kF=mk=: 52E2\=:DE\:E6>\:5lQ6ff2dghg65fdafdbadba3_33bca376474QmSad A6C >@?E9k^=:mk=: 52E2\=:DE\:E6>\:5lQ6h7g5g`a6575bd75234a67e3f2cdd27b`QmSb__ A6C J62Ck^=:mk=: 52E2\=:DE\:E6>\:5lQ6c5g_fh27b`gf74b_hdg25g6`a3_`4_h2QmSb[___ @G6C `_ J62CD[ 367@C6 :?E6C6DE @C :?G6DE>6?E C6EFC?Dk^=:mk^F=m

kAmx7 J@F :?G6DE E92E Sad >@?E9=J 2?5 62C? 2 9JA@E96E:42= gT 2??F2= C6EFC? 4@>A@F?565 >@?E9=J[ J@FC D2G:?8D 4@F=5 8C@H E@ 2AAC@I:>2E6=J Sdf[___ @G6C bd J62CD]k^Am

kAm%92EVD D:8?:7:42?E=J >@C6 E92? E96 S`_[d__ J@F H@F=5 4@?EC:3FE6 5FC:?8 E92E A6C:@5]k^Am

kAm~7 4@FCD6[ 24EF2= :?G6DE>6?E C6EFC?D G2CJ[ 2?5 D>2== 4@?EC:3FE:@?D 2=@?6 H@?VE ?646DD2C:=J AC@5F46 2 D:I\7:8FC6 :?G6DE>6?E 244@F?E]k^Am

kAmw@H6G6C[ C@F?5\FA AC@8C2>D 42? AC@G:56 2 4@?G6?:6?E H2J E@ 368:? D2G:?8 H:E9@FE >2<:?8 =2C86 56A@D:ED]k^Am

kAmkDEC@?8mw@H E@ $E2CE $2G:?8 (:E9 #@F?5\&ADk^DEC@?8mk^Am

kAm$@>6 32?<D 2?5 7:?2?4:2= 2AAD @776C 2FE@>2E:4 C@F?5\FA 762EFC6D]k^Am

kAmu@C 6I2>A=6[ :?G6DE>6?E A=2E7@C>D DF49 2D p4@C?D 2==@H 6=:8:3=6 FD6CD E@ :?G6DE DA2C6 492?86 7C@> =:?<65 AFC492D6D]k^Am

kAmq67@C6 D:8?:?8 FA[ C6G:6H 2?J >@?E9=J DF3D4C:AE:@? 766D[ :?G6DE>6?E 6IA6?D6D[ 2?5 244@F?E C6BF:C6>6?ED] u66D 42? E2<6 2 >62?:?87F= A@CE:@? @7 D>2==6C 32=2?46D]k^Am

kAm*@F 42? 2=D@ 4C62E6 J@FC @H? G6CD:@? 3J D6EE:?8 FA 2 D>2== C64FCC:?8 EC2?D76C 7C@> 4964<:?8 E@ D2G:?8D]k^Am

kAmkDEC@?8mw@H E@ 2AA=J E9:D CF=6ik^DEC@?8m $E2CE H:E9 2? 2>@F?E J@F 42? 4@>7@CE23=J 277@C5[ 6G6? :7 :EVD ;FDE Sd @C S`_ A6C H66<] u@4FD @? 4@?D:DE6?4J C2E96C E92? E96 D:K6 @7 6249 4@?EC:3FE:@?]k^Am

k9bme] %96 `T #F=6i x?4C62D6 *@FC $2G:?8D 2 {:EE=6 t249 *62Ck^9bm

kAm$2G:?8 >@C6 >@?6J 5@6D?VE 2=H2JD C6BF:C6 2 >2;@C =:76DEJ=6 492?86]k^Am

kAm%96 `T CF=6 6?4@FC286D J@F E@ :?4C62D6 J@FC D2G:?8D C2E6 3J ;FDE @?6 A6C46?E286 A@:?E 6249 J62C @C H96?6G6C J@F C646:G6 2 C2:D6]k^Am

kAmu@C D@>6@?6 62C?:?8 Se_[___ 2??F2==J[ :?4C62D:?8 E96:C D2G:?8D C2E6 3J @?6 A6C46?E286 A@:?E >62?D D6EE:?8 2D:56 2? 255:E:@?2= Se__ A6C J62C[ @C Sd_ A6C >@?E9]k^Am

kAm%92E >:89E 766= >@C6 >2?28623=6 E92? :>>65:2E6=J :?4C62D:?8 >@?E9=J D2G:?8D 3J D6G6C2= 9F?5C65 5@==2CD]k^Am

kAmkDEC@?8mw@H $>2== $2G:?8D x?4C62D6D p55 &Ak^DEC@?8mk^Am

kAm$FAA@D6 J@F 62C? Se_[___ 2?5 4FCC6?E=J D2G6 `_T @7 J@FC :?4@>6]k^Am

kAm%92EVD Se[___ A6C J62C]k^Am

kAmx7 J@F :?4C62D6 J@FC D2G:?8D C2E6 3J @?6 A6C46?E286 A@:?E 2??F2==J[ J@FC 4@?EC:3FE:@?D H@F=5 492?86 2D 7@==@HD[ 2DDF>:?8 J@FC D2=2CJ C6>2:?D E96 D2>6ik^Am

k7:8FC6mk:>8 DC4lQ9EEADi^^:>286D]DE24<6C]4@>^H^`ag_^:>286D^DE@C:6D^a_ae^``^_h^E23=6\b\D2G:?8D\C2E6\:?4C62D6];A8Q 2=ElQp E23=6 D9@H:?8 E96 :?4C62D6 :? D2G:?8D C2E6 2?5 :ED 2??F2= D2G:?8D A6C J62C]Q DEJ=6lQH:5E9i `__TQ ^mk7:842AE:@?mrC65:E}:?;2k^7:842AE:@?mk^7:8FC6m

kAmqJ E96 E6?E9 J62C[ J@F H@F=5 36 4@?EC:3FE:?8 Sd[c__ >@C6 2??F2==J E92? H96? J@F DE2CE65]k^Am

kAm%96D6 7:8FC6D C6AC6D6?E 4@?EC:3FE:@?D C2E96C E92? :?G6DE>6?E 8C@HE9[ 2?5 E96J 2DDF>6 ?@ D2=2CJ 492?86D]k^Am

kAm(96? 4@>3:?65 H:E9 4@>A@F?5 :?E6C6DE @C :?G6DE>6?E C6EFC?D[ :?4C62D:?8 4@?EC:3FE:@?D 42? 92G6 2? 6G6? 8C62E6C :>A24E @G6C E:>6]k^Am

kAmkDEC@?8mr@>3:?6 E96 `T #F=6 H:E9 pFE@>2E:4 $2G:?8Dk^DEC@?8mk^Am

kAm%96 `T CF=6 H@C<D A2CE:4F=2C=J H6== H:E9 E96 $2G6 |@C6 %@>@CC@H DEC2E68J]k^Am

kAmx?DE625 @7 :?4C62D:?8 J@FC 4@?EC:3FE:@?D >2?F2==J[ J@F >2J 36 23=6 E@ D4965F=6 2FE@>2E:4 :?4C62D6D E9C@F89 J@FC 6>A=@J6CVD C6E:C6>6?E A=2?]k^Am

kAmu@C 6I2>A=6[ :7 J@FVC6 4FCC6?E=J D2G:?8 eT @7 J@FC :?4@>6[ J@F 4@F=5 D4965F=6 2 @?6\A6C46?E286\A@:?E :?4C62D6 6249 J62C F?E:= J@F C6249 J@FC E2C86E]k^Am

kAm%9:D 2==@HD J@F E@ 8C25F2==J :>AC@G6 J@FC D2G:?8D 923:ED H:E9@FE >2<:?8 2 >2;@C 25;FDE>6?E 2== 2E @?46]k^Am

kAmkDEC@?8mw@H E@ 2AA=J E9:D CF=6ik^DEC@?8m r964< H96E96C J@FC C6E:C6>6?E A=2? @776CD 2FE@>2E:4 4@?EC:3FE:@? 6D42=2E:@?] x7 ?@E[ D6E 2? 2??F2= C6>:?56C E@ C6G:6H J@FC D2G:?8D C2E6 2?5 :?4C62D6 :E H96? J@FC 3F586E 2==@HD]k^Am

k9bmw@H E@ $E2CE qF:=5:?8 q6EE6C $2G:?8D w23:EDk^9bm

kAm&?56CDE2?5:?8 E96D6 >@?6J\D2G:?8 CF=6D :D 2 8C62E 7:CDE DE6A[ 3FE AFEE:?8 E96> :?E@ AC24E:46 :D H92E >2<6D E96 5:776C6?46]k^Am

kAm*@F 5@?VE ?665 E@ :>A=6>6?E 2== D:I DEC2E68:6D :>>65:2E6=J] $E2CE 3J :56?E:7J:?8 @?6 @C EH@ 492?86D E92E >2<6 D6?D6 7@C J@FC 7:?2?4:2= D:EF2E:@?]k^Am

kAmu@C 6I2>A=6[ J@F 4@F=5ik^Am

kF=mk=: 52E2\=:DE\:E6>\:5lQ67d32`h676dhfc_eaadb6_4255ccbeaegQm~A6? 2 9:89\J:6=5 D2G:?8D 244@F?E 7@C J@FC 6>6C86?4J 7F?5]k^=:mk=: 52E2\=:DE\:E6>\:5lQ6365247fad_ee5ecf_h`4e32232c_ahcdQm$6E FA 2FE@>2E:4 EC2?D76CD @? A2J52J]k^=:mk=: 52E2\=:DE\:E6>\:5lQ6c444_gchc2gbg72g55g2b536g337_2cdQmr@?EC:3FE6 6?@F89 E@ J@FC C6E:C6>6?E A=2? E@ C646:G6 J@FC 2G2:=23=6 6>A=@J6C >2E49]k^=:mk=: 52E2\=:DE\:E6>\:5lQ6g7ha`d2_f746deca2fa_2`gcebc2`_daQmx?4C62D6 J@FC D2G:?8D C2E6 3J @?6 A6C46?E286 A@:?E 2??F2==J]k^=:mk=: 52E2\=:DE\:E6>\:5lQ6ah6heh6habc6h5bcb5_h34b2e5e5cehfQm!FE A2CE @7 J@FC ?6IE C2:D6 E@H2C5 D2G:?8D @C A2J:?8 5@H? 563E]k^=:mk=: 52E2\=:DE\:E6>\:5lQ66dgdc54de6_5fbg3abg5adg3_aeeg327Qm&D6 C@F?5\FAD @C C64FCC:?8 56A@D:ED E@ 3F:=5 4@?D:DE6?E D2G:?8D 923:ED]k^=:mk^F=m

kAmq67@C6 :?G6DE:?8 255:E:@?2= >@?6J[ 4@?D:56C J@FC 6>6C86?4J D2G:?8D 2?5 @FEDE2?5:?8 9:89\:?E6C6DE 563E] !2J:?8 5@H? 6IA6?D:G6 563E >2J AC@G:56 2 8C62E6C 7:?2?4:2= 36?67:E E92? AFCDF:?8 F?46CE2:? :?G6DE>6?E C6EFC?D]k^Am

kAm%96 8@2= :D?VE E@ D2G6 2D >F49 2D A@DD:3=6 @G6C?:89E] xEVD E@ 4C62E6 2 DJDE6> E92E >2<6D D2G:?8 >@?6J 62D:6C 2?5 >@C6 4@?D:DE6?E]k^Am

k9bm(92E x7 2? &?6IA64E65 tIA6?D6 x?E6CCFAED *@FC $2G:?8Dnk^9bm

kAmtG6? H:E9 2 D@=:5 D2G:?8D A=2?[ F?6IA64E65 6IA6?D6D 42? 92AA6?]k^Am

kAmp 42C C6A2:C[ >65:42= 3:==[ @C 6>6C86?4J 9@>6 6IA6?D6 42? BF:4<=J 5:DCFAE J@FC 3F586E[ 6DA64:2==J :7 J@FVC6 DE:== 3F:=5:?8 J@FC 6>6C86?4J 7F?5]k^Am

kAm(96? A@DD:3=6[ 4@?D:56C FD:?8 6>6C86?4J D2G:?8D[ ?68@E:2E:?8 A2J>6?E 2CC2?86>6?ED[ @C 6IA=@C:?8 =@H6C\4@DE 7:?2?4:2= 2DD:DE2?46 367@C6 3@CC@H:?8]k^Am

kAmx7 J@F ?665 255:E:@?2= 7:?2?4:2= 7=6I:3:=:EJ[ 2 A6CD@?2= :?DE2==>6?E =@2? >2J 36 2?@E96C @AE:@? E@ 6G2=F2E6]k^Am

kAmw@H6G6C[ A6CD@?2= =@2?D :?G@=G6 :?E6C6DE 2?5 A@E6?E:2==J D:8?:7:42?E 3@CC@H:?8 4@DED] #6G:6H E96 p!#[ C6A2J>6?E E6C>D[ 2?5 E@E2= =@2? 4@DE 367@C6 564:5:?8 H96E96C 3@CC@H:?8 7:ED J@FC 3F586E]k^Am

k9bmuC6BF6?E=J pD<65 "F6DE:@?D p3@FE |@?6J\$2G:?8 #F=6Dk^9bm

kAmkDEC@?8m(92E xD E96 q6DE #F=6 7@C $2G:?8 |@?6Jnk^DEC@?8mk^Am

kAm%96 36DE D2G:?8D CF=6 56A6?5D @? J@FC 7:?2?4:2= 8@2=D] %96 `dT CF=6 42? AC@G:56 2 DE2CE:?8 A@:?E 7@C C6E:C6>6?E D2G:?8D[ H9:=6 E96 `T CF=6 >2J 36 >@C6 >2?28623=6 7@C D@>6@?6 H9@ H2?ED E@ :?4C62D6 4@?EC:3FE:@?D 8C25F2==J] pFE@>2E:4 EC2?D76CD 42? 2=D@ 96=A >2<6 D2G:?8 >@C6 4@?D:DE6?E]k^Am

kAmkDEC@?8m(92E xD E96 #F=6 @7 fa :? $2G:?8Dnk^DEC@?8mk^Am

kAm%96 #F=6 @7 fa 6DE:>2E6D 9@H >2?J J62CD :E H:== E2<6 7@C >@?6J E@ 5@F3=6 2E 2 7:I65 2??F2= C2E6 @7 C6EFC?] s:G:56 fa 3J E96 2??F2= :?E6C6DE C2E6 @C 6IA64E65 C6EFC?] u@C 6I2>A=6[ 2E eT[ J@FC >@?6J H@F=5 E2<6 2AAC@I:>2E6=J `a J62CD E@ 5@F3=6]k^Am

kAmkDEC@?8mw@H |F49 @7 |J x?4@>6 $9@F=5 x $2G6 t249 |@?E9nk^DEC@?8mk^Am

kAmp 4@>>@?=J C64@>>6?565 C6E:C6>6?E D2G:?8D E2C86E :D `dT @7 AC6E2I :?4@>6[ :?4=F5:?8 6>A=@J6C 4@?EC:3FE:@?D] w@H6G6C[ E96 2AAC@AC:2E6 2>@F?E 56A6?5D @? J@FC :?4@>6[ 6IA6?D6D[ 563E[ C6E:C6>6?E E:>6=:?6[ 2?5 7:?2?4:2= 8@2=D] tG6? D>2==6C 4@?EC:3FE:@?D 42? 96=A J@F 6DE23=:D9 2 D2G:?8D 923:E]k^Am

kAmkDEC@?8mxD xE q6EE6C E@ $2G6 @C x?G6DE |@?6Jnk^DEC@?8mk^Am

kAmq@E9 D2G:?8 2?5 :?G6DE:?8 D6CG6 5:776C6?E AFCA@D6D] $2G:?8D 244@F?ED 2C6 86?6C2==J 36EE6C DF:E65 7@C 6>6C86?4J 7F?5D 2?5 D9@CE\E6C> 6IA6?D6D 3642FD6 E96J AC@G:56 62D:6C 2446DD E@ J@FC >@?6J] x?G6DE:?8 >2J 36 2AAC@AC:2E6 7@C =@?8\E6C> 8@2=D 3642FD6 :E @776CD 8C@HE9 A@E6?E:2=[ 3FE :?G6DE>6?ED 42? =@D6 G2=F6]k^Am

kAmkDEC@?8ms@6D pFE@>2E:?8 $2G:?8D p4EF2==J (@C<nk^DEC@?8mk^Am

kAmpFE@>2E:?8 D2G:?8D 42? 96=A A6@A=6 >2<6 4@?D:DE6?E 4@?EC:3FE:@?D H:E9@FE C6A62E65=J 564:5:?8 H96E96C E@ EC2?D76C >@?6J] k2 9C67lQ9EEADi^^HHH]2?56CD@?]F4=2]65F^5@4F>6?ED^2C62D^724^244@F?E:?8^D>2CE;A6aae]A57Qm#6D62C49 @? E96 $2G6 |@C6 %@>@CC@H AC@8C2>k^2m 7@F?5 E92E A2CE:4:A2?ED :?4C62D65 E96:C 2G6C286 D2G:?8D C2E6D 7C@> b]dT E@ `b]eT @G6C c_ >@?E9D[ 2=E9@F89 :?5:G:5F2= C6DF=ED H:== G2CJ]k^Am

k9bm%96 q@EE@> {:?6k^9bm

kAmqF:=5:?8 H62=E9 5@6D?VE 92G6 E@ :?G@=G6 4@>A=:42E65 7:?2?4:2= DEC2E68:6D @C 5C2DE:4 =:76DEJ=6 492?86D]k^Am

kAm$:>A=6 >@?6J\D2G:?8 CF=6D[ DF49 2D E96 #F=6 @7 fa[ E96 `dT C6E:C6>6?E CF=6[ 2?5 2FE@>2E:4 D2G:?8D :?4C62D6D[ 42? 96=A J@F >2<6 >@C6 :?7@C>65 7:?2?4:2= 564:D:@?D] %96 >@DE :>A@CE2?E DE6A :D 7:?5:?8 2 DEC2E68J E92E H@C<D 7@C J@FC 3F586E 2?5 DE:4<:?8 H:E9 :E]k^Am

kAm(96E96C J@F DE2CE 3J D2G:?8 2 76H 5@==2CD 6249 H66< @C :?4C62D:?8 J@FC C6E:C6>6?E 4@?EC:3FE:@?D[ D>2==[ 4@?D:DE6?E 24E:@?D 42? 96=A J@F 3F:=5 8C62E6C 7:?2?4:2= DE23:=:EJ @G6C E:>6]k^Am

kAmk2 9C67lQ9EEADi^^HHH]4C65:E?:?;2]4@>^3=@8^e\D:>A=6\>@?6J\D2G:?8\CF=6D\E92E\42?\96=A\J@F\3F:=5\H62=E9^Qmk6>m%9:D DE@CJk^6>mk^2mk6>m H2D AC@5F465 3Jk^6>m k2 9C67lQ9EEADi^^HHH]4C65:E?:?;2]4@>Qmk6>mrC65:E}:?;2k^6>mk^2mk6>m 2?5 C6G:6H65 2?5 5:DEC:3FE65 3Jk^6>m k2 9C67lQ9EEADi^^9F3D]=2^"_b<=8$#_Q C6=lQ?@7@==@HQmk6>m$E24<6Ck^6>mk^2mk6>m]k^6>mk^Am