{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff0\deff0\stshfdbch31505\stshfloch31506\stshfhich31506\stshfbi0\deflang6153\deflangfe2052\themelang6153\themelangfe0\themelangcs0{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f1\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604020202020204}Arial;}
{\f3\fbidi \froman\fcharset2\fprq2{\*\panose 05050102010706020507}Symbol;}{\f34\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria Math;}{\f37\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri{\*\falt Calibri};}
{\f65\fbidi \fmodern\fcharset0\fprq1{\*\panose 020b0609020204030204}Consolas;}{\f144\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604030504040204}Tahoma;}{\flomajor\f31500\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fdbmajor\f31501\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fhimajor\f31502\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria;}
{\fbimajor\f31503\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\flominor\f31504\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fdbminor\f31505\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fhiminor\f31506\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri{\*\falt Calibri};}
{\fbiminor\f31507\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f1292\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\f1293\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\f1295\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\f1296\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\f1297\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\f1298\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\f1299\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\f1300\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\f1302\fbidi \fswiss\fcharset238\fprq2 Arial CE;}
{\f1303\fbidi \fswiss\fcharset204\fprq2 Arial Cyr;}{\f1305\fbidi \fswiss\fcharset161\fprq2 Arial Greek;}{\f1306\fbidi \fswiss\fcharset162\fprq2 Arial Tur;}{\f1307\fbidi \fswiss\fcharset177\fprq2 Arial (Hebrew);}
{\f1308\fbidi \fswiss\fcharset178\fprq2 Arial (Arabic);}{\f1309\fbidi \fswiss\fcharset186\fprq2 Arial Baltic;}{\f1310\fbidi \fswiss\fcharset163\fprq2 Arial (Vietnamese);}{\f1632\fbidi \froman\fcharset238\fprq2 Cambria Math CE;}
{\f1633\fbidi \froman\fcharset204\fprq2 Cambria Math Cyr;}{\f1635\fbidi \froman\fcharset161\fprq2 Cambria Math Greek;}{\f1636\fbidi \froman\fcharset162\fprq2 Cambria Math Tur;}{\f1639\fbidi \froman\fcharset186\fprq2 Cambria Math Baltic;}
{\f1640\fbidi \froman\fcharset163\fprq2 Cambria Math (Vietnamese);}{\f1662\fbidi \fswiss\fcharset238\fprq2 Calibri CE{\*\falt Calibri};}{\f1663\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr{\*\falt Calibri};}
{\f1665\fbidi \fswiss\fcharset161\fprq2 Calibri Greek{\*\falt Calibri};}{\f1666\fbidi \fswiss\fcharset162\fprq2 Calibri Tur{\*\falt Calibri};}{\f1667\fbidi \fswiss\fcharset177\fprq2 Calibri (Hebrew){\*\falt Calibri};}
{\f1668\fbidi \fswiss\fcharset178\fprq2 Calibri (Arabic){\*\falt Calibri};}{\f1669\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic{\*\falt Calibri};}{\f1670\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese){\*\falt Calibri};}
{\f1942\fbidi \fmodern\fcharset238\fprq1 Consolas CE;}{\f1943\fbidi \fmodern\fcharset204\fprq1 Consolas Cyr;}{\f1945\fbidi \fmodern\fcharset161\fprq1 Consolas Greek;}{\f1946\fbidi \fmodern\fcharset162\fprq1 Consolas Tur;}
{\f1949\fbidi \fmodern\fcharset186\fprq1 Consolas Baltic;}{\f1950\fbidi \fmodern\fcharset163\fprq1 Consolas (Vietnamese);}{\f2732\fbidi \fswiss\fcharset238\fprq2 Tahoma CE;}{\f2733\fbidi \fswiss\fcharset204\fprq2 Tahoma Cyr;}
{\f2735\fbidi \fswiss\fcharset161\fprq2 Tahoma Greek;}{\f2736\fbidi \fswiss\fcharset162\fprq2 Tahoma Tur;}{\f2737\fbidi \fswiss\fcharset177\fprq2 Tahoma (Hebrew);}{\f2738\fbidi \fswiss\fcharset178\fprq2 Tahoma (Arabic);}
{\f2739\fbidi \fswiss\fcharset186\fprq2 Tahoma Baltic;}{\f2740\fbidi \fswiss\fcharset163\fprq2 Tahoma (Vietnamese);}{\f2741\fbidi \fswiss\fcharset222\fprq2 Tahoma (Thai);}{\flomajor\f31508\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\flomajor\f31509\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\flomajor\f31511\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\flomajor\f31512\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\flomajor\f31513\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\flomajor\f31514\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fdbmajor\f31518\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fdbmajor\f31519\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\fdbmajor\f31521\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fdbmajor\f31522\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fdbmajor\f31523\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\fdbmajor\f31524\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fdbmajor\f31525\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fdbmajor\f31526\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\fhimajor\f31528\fbidi \froman\fcharset238\fprq2 Cambria CE;}{\fhimajor\f31529\fbidi \froman\fcharset204\fprq2 Cambria Cyr;}{\fhimajor\f31531\fbidi \froman\fcharset161\fprq2 Cambria Greek;}{\fhimajor\f31532\fbidi \froman\fcharset162\fprq2 Cambria Tur;}
{\fhimajor\f31535\fbidi \froman\fcharset186\fprq2 Cambria Baltic;}{\fhimajor\f31536\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese);}{\fbimajor\f31538\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\fbimajor\f31539\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fbimajor\f31541\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbimajor\f31542\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fbimajor\f31544\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbimajor\f31545\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\fbimajor\f31546\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\flominor\f31548\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\flominor\f31549\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\fdbminor\f31558\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}
{\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fdbminor\f31564\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\fdbminor\f31565\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fhiminor\f31568\fbidi \fswiss\fcharset238\fprq2 Calibri CE{\*\falt Calibri};}
{\fhiminor\f31569\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr{\*\falt Calibri};}{\fhiminor\f31571\fbidi \fswiss\fcharset161\fprq2 Calibri Greek{\*\falt Calibri};}{\fhiminor\f31572\fbidi \fswiss\fcharset162\fprq2 Calibri Tur{\*\falt Calibri};}
{\fhiminor\f31573\fbidi \fswiss\fcharset177\fprq2 Calibri (Hebrew){\*\falt Calibri};}{\fhiminor\f31574\fbidi \fswiss\fcharset178\fprq2 Calibri (Arabic){\*\falt Calibri};}{\fhiminor\f31575\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic{\*\falt Calibri};}
{\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese){\*\falt Calibri};}{\fbiminor\f31578\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fbiminor\f31579\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\fbiminor\f31581\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbiminor\f31582\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fbiminor\f31583\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\fbiminor\f31584\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbiminor\f31585\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fbiminor\f31586\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}}
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\red128\green0\blue128;\red128\green0\blue0;\red128\green128\blue0;\red128\green128\blue128;\red192\green192\blue192;\red0\green0\blue0;\red0\green0\blue0;\red217\green217\blue217;\red35\green31\blue32;}{\*\defchp 
\fs22\loch\af31506\hich\af31506\dbch\af31505 }{\*\defpap \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 }\noqfpromote {\stylesheet{\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 
\rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang6153\langfe6153\loch\f0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 \snext0 \sqformat \spriority1 Normal;}{\s1\ql \li0\ri0\sb34\nowidctlpar\wrapdefault\faauto\outlinelevel0\rin0\lin0\itap0 
\rtlch\fcs1 \ab\af0\afs30\alang1025 \ltrch\fcs0 \b\fs30\lang6153\langfe6153\loch\f0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 \sbasedon0 \snext0 \slink15 \sqformat \spriority1 heading 1;}{
\s2\ql \li2005\ri0\nowidctlpar\wrapdefault\faauto\outlinelevel1\rin0\lin2005\itap0 \rtlch\fcs1 \ab\af0\afs26\alang1025 \ltrch\fcs0 \b\fs26\lang6153\langfe6153\loch\f0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 
\sbasedon0 \snext0 \slink16 \sqformat \spriority1 heading 2;}{\s3\ql \li154\ri0\nowidctlpar\wrapdefault\faauto\outlinelevel2\rin0\lin154\itap0 \rtlch\fcs1 \ab\af0\afs22\alang1025 \ltrch\fcs0 
\b\fs22\lang6153\langfe6153\loch\f0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 \sbasedon0 \snext0 \slink17 \sqformat \spriority1 heading 3;}{\s4\ql \li154\ri0\nowidctlpar\wrapdefault\faauto\outlinelevel3\rin0\lin154\itap0 \rtlch\fcs1 
\ab\ai\af0\afs22\alang1025 \ltrch\fcs0 \b\i\fs22\lang6153\langfe6153\loch\f0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 \sbasedon0 \snext0 \slink18 \sqformat \spriority1 heading 4;}{\*\cs10 \additive \ssemihidden \sunhideused \spriority1 
Default Paragraph Font;}{\*\ts11\tsrowd\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblind0\tblindtype3\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv \ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang6153\langfe2052\loch\f31506\hich\af31506\dbch\af31505\cgrid\langnp6153\langfenp2052 \snext11 \ssemihidden \sunhideused 
Normal Table;}{\*\cs15 \additive \rtlch\fcs1 \ab\af0\afs32 \ltrch\fcs0 \b\fs32\kerning32\loch\f31502\hich\af31502\dbch\af31501 \sbasedon10 \slink1 \slocked \spriority9 Heading 1 Char;}{\*\cs16 \additive \rtlch\fcs1 \ab\ai\af0\afs28 \ltrch\fcs0 
\b\i\fs28\loch\f31502\hich\af31502\dbch\af31501 \sbasedon10 \slink2 \slocked \ssemihidden \spriority9 Heading 2 Char;}{\*\cs17 \additive \rtlch\fcs1 \ab\af0\afs26 \ltrch\fcs0 \b\fs26\loch\f31502\hich\af31502\dbch\af31501 
\sbasedon10 \slink3 \slocked \ssemihidden \spriority9 Heading 3 Char;}{\*\cs18 \additive \rtlch\fcs1 \ab\af0\afs28 \ltrch\fcs0 \b\fs28 \sbasedon10 \slink4 \slocked \ssemihidden \spriority9 Heading 4 Char;}{
\s19\ql \li832\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin832\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang6153\langfe6153\loch\f0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 \sbasedon0 \snext19 \slink20 \sqformat \spriority1 
Body Text;}{\*\cs20 \additive \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24 \sbasedon10 \slink19 \slocked \ssemihidden Body Text Char;}{\s21\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang6153\langfe6153\loch\f0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 \sbasedon0 \snext21 \sqformat \spriority1 List Paragraph;}{\s22\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang6153\langfe6153\loch\f0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 \sbasedon0 \snext22 \sqformat \spriority1 Table Paragraph;}{\s23\ql \li0\ri0\nowidctlpar\tqc\tx4513\tqr\tx9026\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 
\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang6153\langfe6153\loch\f0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 \sbasedon0 \snext23 \slink24 \sunhideused \styrsid8158165 header;}{\*\cs24 \additive \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24 
\sbasedon10 \slink23 \slocked \styrsid8158165 Header Char;}{\s25\ql \li0\ri0\nowidctlpar\tqc\tx4513\tqr\tx9026\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang6153\langfe6153\loch\f0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 \sbasedon0 \snext25 \slink26 \sunhideused \styrsid8158165 footer;}{\*\cs26 \additive \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24 
\sbasedon10 \slink25 \slocked \styrsid8158165 Footer Char;}{\s27\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af65\afs21\alang1025 \ltrch\fcs0 
\fs20\lang6153\langfe1033\loch\f1\hich\af1\dbch\af31505\cgrid\langnp6153\langfenp1033 \sbasedon0 \snext27 \slink28 \ssemihidden \sunhideused \styrsid12353491 Plain Text;}{\*\cs28 \additive \rtlch\fcs1 \af65\afs21 \ltrch\fcs0 
\f1\fs21\lang0\langfe1033\langnp0\langfenp1033 \sbasedon10 \slink27 \slocked \ssemihidden \styrsid12353491 Plain Text Char;}{\s29\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af144\afs16\alang1025 \ltrch\fcs0 
\fs16\lang6153\langfe6153\loch\f144\hich\af144\dbch\af31505\cgrid\langnp6153\langfenp6153 \sbasedon0 \snext29 \slink30 \ssemihidden \sunhideused \styrsid13462375 Balloon Text;}{\*\cs30 \additive \rtlch\fcs1 \af144\afs16 \ltrch\fcs0 \f144\fs16 
\sbasedon10 \slink29 \slocked \ssemihidden \styrsid13462375 Balloon Text Char;}}{\*\listtable{\list\listtemplateid-1{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat3\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers
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\rtlch\fcs1 \ab0\af0\afs22 \ltrch\fcs0 \b0\f0\fs22\cf20\charscalex103 \fi-343\li2301\lin2301 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace0\levelindent0{\leveltext\'01\'95;}{\levelnumbers;}
\fi-343\li3290\lin3290 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace0\levelindent0{\leveltext\'01\'95;}{\levelnumbers;}\fi-343\li4280\lin4280 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0
\levelfollow0\levelstartat0\levelspace0\levelindent0{\leveltext\'01\'95;}{\levelnumbers;}\fi-343\li5269\lin5269 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace0\levelindent0{\leveltext\'01\'95;}{\levelnumbers;}
\fi-343\li6258\lin6258 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace0\levelindent0{\leveltext\'01\'95;}{\levelnumbers;}\fi-343\li7248\lin7248 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0
\levelfollow0\levelstartat0\levelspace0\levelindent0{\leveltext\'01\'95;}{\levelnumbers;}\fi-343\li8237\lin8237 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace0\levelindent0{\leveltext\'01\'95;}{\levelnumbers;}
\fi-343\li9226\lin9226 }{\listname ;}\listid1026}{\list\listtemplateid-1{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat4\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \ab0\af0\afs22 
\ltrch\fcs0 \b0\f0\fs22\expnd0\expndtw-1\charscalex102 \fi-340\li832\lin832 }{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'01);}{\levelnumbers\'02;}\rtlch\fcs1 \ab0\af0\afs22 
\ltrch\fcs0 \b0\f0\fs22\charscalex102 \fi-339\li1170\lin1170 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace0\levelindent0{\leveltext\'01\'95;}{\levelnumbers;}\fi-339\li2018\lin2018 }{\listlevel\levelnfc23
\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace0\levelindent0{\leveltext\'01\'95;}{\levelnumbers;}\fi-339\li2866\lin2866 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace0\levelindent0
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\i\fs20\expnd-3\expndtw-16\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\fs20\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 TO}{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 
\i\fs20\expnd-3\expndtw-16\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\fs20\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 THE}{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 
\i\fs20\expnd-3\expndtw-16\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\fs20\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 CIVIL}{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 
\i\fs20\expnd-3\expndtw-16\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\fs20\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 SERVICE}{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 
\i\fs20\expnd-3\expndtw-17\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\fs20\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 OR}{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 
\i\fs20\expnd-3\expndtw-15\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\fs20\expnd0\expndtw-1\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 PUBLIC}{\rtlch\fcs1 \ai\af0\afs20 
\ltrch\fcs0 \i\fs20\expnd-3\expndtw-16\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\fs20\expnd0\expndtw-1\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 SERVICE}{\rtlch\fcs1 
\ai\af0\afs20 \ltrch\fcs0 \i\fs20\expnd-3\expndtw-16\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\fs20\expnd0\expndtw-1\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 PENSION}{
\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\fs20\expnd-3\expndtw-16\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\fs20\expnd0\expndtw-1\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
ENTITLEMENT}{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\fs20\expnd6\expndtw30\charscalex103\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\fs20\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 CURRENTLY}
{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\fs20\expnd-3\expndtw-18\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\fs20\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 BEING}{\rtlch\fcs1 
\ai\af0\afs20 \ltrch\fcs0 \i\fs20\expnd-3\expndtw-19\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\fs20\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 CLAIMED}{\rtlch\fcs1 
\ai\af0\afs20 \ltrch\fcs0 \i\fs20\expnd-3\expndtw-19\charscalex105\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\fs20\charscalex105\insrsid6561926 -.}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid6561926 

\par }\pard \ltrpar\s19\ql \li0\ri0\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin0\itap0\pararsid79021 {\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\fs20\insrsid6561926 
\par }\pard \ltrpar\s19\ql \li0\ri0\sb8\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin0\itap0\pararsid79021 {\rtlch\fcs1 \ai\af0\afs15 \ltrch\fcs0 \i\fs15\insrsid6561926 
\par }\pard\plain \ltrpar\s2\qc \li2005\ri2004\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\outlinelevel1\rin2004\lin2005\itap0\pararsid79021 \rtlch\fcs1 \ab\af0\afs26\alang1025 \ltrch\fcs0 
\b\fs26\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 PART}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw9\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 A}{\rtlch\fcs1 \ab0\af0 \ltrch\fcs0 \b0\insrsid6561926 
\par }\pard\plain \ltrpar\s19\ql \li0\ri0\sb4\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin0\itap0\pararsid79021 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {
\rtlch\fcs1 \ab\af0\afs30 \ltrch\fcs0 \b\fs30\insrsid6561926 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\lang6153\langfe6153\charscalex102\langfenp6153\insrsid6561926\charrsid79021 \hich\af0\dbch\af31505\loch\f0 1.\tab}}\pard \ltrpar
\s19\ql \fi-340\li678\ri474\sl265\slmult1\nowidctlpar\tx833\wrapdefault\nocwrap\nooverflow\faauto\ls9\rin474\lin678\itap0\pararsid79021 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926\charrsid79021 \hich\af0\dbch\af31505\loch\f0 On}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926\charrsid79021 \hich\af0\dbch\af31505\loch\f0 or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6561926\charrsid79021 \hich\af0\dbch\af31505\loch\f0 after}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0  7 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926\charrsid79021 \hich\af0\dbch\af31505\loch\f0 
December 2005 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid79021 \hich\af0\dbch\af31505\loch\f0 and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926\charrsid79021 \hich\af0\dbch\af31505\loch\f0  up}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926\charrsid79021 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0  and}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6561926\charrsid79021 \hich\af0\dbch\af31505\loch\f0  including}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0  the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926\charrsid79021 \hich\af0\dbch\af31505\loch\f0 date }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 you }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926\charrsid79021 \hich\af0\dbch\af31505\loch\f0 make}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0  
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926\charrsid79021 \hich\af0\dbch\af31505\loch\f0 this declaration:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\par }\pard \ltrpar\s19\ql \li0\ri0\sb11\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin0\itap0\pararsid79021 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6561926 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\lang6153\langfe6153\charscalex102\langfenp6153\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (a)\tab}}\pard \ltrpar\s19\ql \fi-677\li1355\ri201\sl281\slmult1\nowidctlpar
\tx1509\wrapdefault\nocwrap\nooverflow\faauto\ls9\ilvl1\rin201\lin1355\itap0\pararsid79021 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Did you }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 become}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 entitled}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  to any }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 benefits}{\rtlch\fcs1 \af0\afs15 \ltrch\fcs0 \fs15\expnd0\expndtw-1\up8\insrsid16387421 \hich\af0\dbch\af31505\loch\f0 1}{\rtlch\fcs1 \af0\afs15 \ltrch\fcs0 
\fs15\up8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0   }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (ignoring}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd4\expndtw20\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd11\expndtw56\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 entitlements}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 from}
{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 civil}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw9\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 service}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
public}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 service)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw9\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 currently}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 being}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 claimed)?}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\par }\pard \ltrpar\s19\ql \li0\ri0\sb4\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin0\itap0\pararsid79021 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1024\langfe1024\noproof\insrsid15288794 
{\shpgrp{\*\shpinst\shpleft8303\shptop181\shpright8825\shpbottom534\shpfhdr0\shpbxpage\shpbxignore\shpbypara\shpbyignore\shpwr3\shpwrk0\shpfblwtxt1\shpz9\shplid2052{\sp{\sn groupLeft}{\sv 8825}}{\sp{\sn groupTop}{\sv -122}}{\sp{\sn groupRight}{\sv 9347}}
{\sp{\sn groupBottom}{\sv 231}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{\sn lidRegroup}{\sv 0}}{\sp{\sn posrelh}{\sv 1}}{\sp{\sn posrelv}{\sv 2}}{\sp{\sn dhgt}{\sv 251637760}}{\sp{\sn fLayoutInCell}{\sv 0}}{\sp{\sn fBehindDocument}{\sv 1}}
{\sp{\sn fPseudoInline}{\sv 0}}{\sp{\sn fLayoutInCell}{\sv 0}}{\shp{\*\shpinst\shplid2053{\sp{\sn relLeft}{\sv 8825}}{\sp{\sn relTop}{\sv -122}}{\sp{\sn relRight}{\sv 9347}}
{\sp{\sn relBottom}{\sv 231}}{\sp{\sn fRelFlipH}{\sv 0}}{\sp{\sn fRelFlipV}{\sv 0}}{\sp{\sn shapeType}{\sv 0}}{\sp{\sn rotation}{\sv 0}}{\sp{\sn geoRight}{\sv 522}}{\sp{\sn geoBottom}{\sv 353}}{\sp{\sn shapePath}{\sv 4}}{\sp{\sn pVerticies}{\sv 8;13
;(522,0);(0,0);(0,353);(522,353);(522,346);(14,346);(7,339);(14,339);(14,15);(7,15);(14,7);(522,7);(522,0)}}{\sp{\sn pSegmentInfo}{\sv 2;28;16384;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824
;1;45824;1;45824;1;45824;1;45824;1;45824;24577;32768}}{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lidRegroup}{\sv 0}}
{\sp{\sn posrelh}{\sv 1}}{\sp{\sn posrelv}{\sv 2}}{\sp{\sn fLayoutInCell}{\sv 0}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn fLayoutInCell}{\sv 0}}}}{\shp{\*\shpinst\shplid2054{\sp{\sn relLeft}{\sv 8825}}{\sp{\sn relTop}{\sv -122}}
{\sp{\sn relRight}{\sv 9347}}{\sp{\sn relBottom}{\sv 231}}{\sp{\sn fRelFlipH}{\sv 0}}{\sp{\sn fRelFlipV}{\sv 0}}{\sp{\sn shapeType}{\sv 0}}{\sp{\sn rotation}{\sv 0}}{\sp{\sn geoRight}{\sv 522}}{\sp{\sn geoBottom}{\sv 353}}{\sp{\sn shapePath}{\sv 4}}
{\sp{\sn pVerticies}{\sv 8;4;(14,339);(7,339);(14,346);(14,339)}}{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}}{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}
{\sp{\sn fFilled}{\sv 1}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lidRegroup}{\sv 0}}{\sp{\sn posrelh}{\sv 1}}{\sp{\sn posrelv}{\sv 2}}{\sp{\sn fLayoutInCell}{\sv 0}}{\sp{\sn fBehindDocument}{\sv 1}}
{\sp{\sn fLayoutInCell}{\sv 0}}}}{\shp{\*\shpinst\shplid2055{\sp{\sn relLeft}{\sv 8825}}{\sp{\sn relTop}{\sv -122}}{\sp{\sn relRight}{\sv 9347}}{\sp{\sn relBottom}{\sv 231}}{\sp{\sn fRelFlipH}{\sv 0}}
{\sp{\sn fRelFlipV}{\sv 0}}{\sp{\sn shapeType}{\sv 0}}{\sp{\sn rotation}{\sv 0}}{\sp{\sn geoRight}{\sv 522}}{\sp{\sn geoBottom}{\sv 353}}{\sp{\sn shapePath}{\sv 4}}{\sp{\sn pVerticies}{\sv 8;5;(507,339);(14,339);(14,346);(507,346)
;(507,339)}}{\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;24577;32768}}{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}
{\sp{\sn fLine}{\sv 0}}{\sp{\sn lidRegroup}{\sv 0}}{\sp{\sn posrelh}{\sv 1}}{\sp{\sn posrelv}{\sv 2}}{\sp{\sn fLayoutInCell}{\sv 0}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn fLayoutInCell}{\sv 0}}}}
{\shp{\*\shpinst\shplid2056{\sp{\sn relLeft}{\sv 8825}}{\sp{\sn relTop}{\sv -122}}{\sp{\sn relRight}{\sv 9347}}{\sp{\sn relBottom}{\sv 231}}{\sp{\sn fRelFlipH}{\sv 0}}{\sp{\sn fRelFlipV}{\sv 0}}{\sp{\sn shapeType}{\sv 0}}{\sp{\sn rotation}{\sv 0}}
{\sp{\sn geoRight}{\sv 522}}{\sp{\sn geoBottom}{\sv 353}}{\sp{\sn shapePath}{\sv 4}}{\sp{\sn pVerticies}{\sv 8;7;(507,7);(507,346);(514,339);(522,339);(522,15);(514,15);(507,7)}}{\sp{\sn pSegmentInfo}{\sv 2;16;16384
;45824;1;45824;1;45824;1;45824;1;45824;1;45824;1;45824;24577;32768}}{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\sp{\sn fLine}{\sv 0}}
{\sp{\sn lidRegroup}{\sv 0}}{\sp{\sn posrelh}{\sv 1}}{\sp{\sn posrelv}{\sv 2}}{\sp{\sn fLayoutInCell}{\sv 0}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn fLayoutInCell}{\sv 0}}}}
{\shp{\*\shpinst\shplid2057{\sp{\sn relLeft}{\sv 8825}}{\sp{\sn relTop}{\sv -122}}{\sp{\sn relRight}{\sv 9347}}{\sp{\sn relBottom}{\sv 231}}{\sp{\sn fRelFlipH}{\sv 0}}{\sp{\sn fRelFlipV}{\sv 0}}{\sp{\sn shapeType}{\sv 0}}{\sp{\sn rotation}{\sv 0}}
{\sp{\sn geoRight}{\sv 522}}{\sp{\sn geoBottom}{\sv 353}}{\sp{\sn shapePath}{\sv 4}}{\sp{\sn pVerticies}{\sv 8;5;(522,339);(514,339);(507,346);(522,346);(522,339)}}{\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1
;45824;1;45824;1;45824;24577;32768}}{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lidRegroup}{\sv 0}}{\sp{\sn posrelh}{\sv 1}}
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\dpfillfgcr255\dpfillfgcg255\dpfillfgcb255\dpfillbgcr0\dpfillbgcg0\dpfillbgcb0\dpfillpat1\dplinehollow\dpendgroup\dpx0\dpy0\dpxsize0\dpysize0}}}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Did}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd4\expndtw21\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 you 
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd4\expndtw22\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 direct}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd4\expndtw23\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 that}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd4\expndtw24\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 a }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd4\expndtw23\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 payment}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd4\expndtw23\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 or}{\rtlch\fcs1 \af0 
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transfer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd4\expndtw22\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
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{\shpgrp{\*\shpinst\shpleft6985\shptop113\shpright7507\shpbottom465\shpfhdr0\shpbxpage\shpbxignore\shpbypara\shpbyignore\shpwr3\shpwrk0\shpfblwtxt1\shpz12\shplid2097{\sp{\sn groupLeft}{\sv 7625}}{\sp{\sn groupTop}{\sv -88}}{\sp{\sn groupRight}{\sv 8147}}
{\sp{\sn groupBottom}{\sv 264}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{\sn lidRegroup}{\sv 0}}{\sp{\sn posrelh}{\sv 1}}{\sp{\sn posrelv}{\sv 2}}{\sp{\sn dhgt}{\sv 251640832}}{\sp{\sn fLayoutInCell}{\sv 0}}{\sp{\sn fBehindDocument}{\sv 1}}
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{\sp{\sn fLayoutInCell}{\sv 0}}}}{\shp{\*\shpinst\shplid2105{\sp{\sn relLeft}{\sv 7625}}{\sp{\sn relTop}{\sv -88}}{\sp{\sn relRight}{\sv 8147}}{\sp{\sn relBottom}{\sv 264}}{\sp{\sn fRelFlipH}{\sv 0}}
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\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 YES\tab NO}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\par }\pard \ltrpar\s19\ql \li0\ri0\sb11\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin0\itap0\pararsid79021 {\rtlch\fcs1 \af0\afs29 \ltrch\fcs0 \fs29\insrsid6561926 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\lang1024\langfe1024\charscalex102\noproof\langfenp6153 \hich\af0\dbch\af31505\loch\f0 (b)\tab}}\pard \ltrpar\s19\ql \fi-677\li1355\ri668\sl282\slmult1\nowidctlpar
\tx1510\wrapdefault\nocwrap\nooverflow\faauto\ls9\ilvl1\rin668\lin1355\itap0\pararsid79021 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1024\langfe1024\noproof\insrsid15288794 
{\shpgrp{\*\shpinst\shpleft8289\shptop458\shpright8811\shpbottom811\shpfhdr0\shpbxpage\shpbxignore\shpbypara\shpbyignore\shpwr3\shpwrk0\shpfblwtxt1\shpz14\shplid2106{\sp{\sn groupLeft}{\sv 8811}}{\sp{\sn groupTop}{\sv 458}}{\sp{\sn groupRight}{\sv 9333}}
{\sp{\sn groupBottom}{\sv 811}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{\sn lidRegroup}{\sv 0}}{\sp{\sn posrelh}{\sv 1}}{\sp{\sn posrelv}{\sv 2}}{\sp{\sn dhgt}{\sv 251642880}}{\sp{\sn fLayoutInCell}{\sv 0}}{\sp{\sn fBehindDocument}{\sv 1}}
{\sp{\sn fPseudoInline}{\sv 0}}{\sp{\sn fLayoutInCell}{\sv 0}}{\shp{\*\shpinst\shplid2107{\sp{\sn relLeft}{\sv 8811}}{\sp{\sn relTop}{\sv 458}}{\sp{\sn relRight}{\sv 9333}}{\sp{\sn relBottom}{\sv 811}}{\sp{\sn fRelFlipH}{\sv 0}}{\sp{\sn fRelFlipV}{\sv 0}}
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{\sp{\sn fillColor}{\sv 0}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lidRegroup}{\sv 0}}{\sp{\sn posrelh}{\sv 1}}{\sp{\sn posrelv}{\sv 2}}{\sp{\sn fLayoutInCell}{\sv 0}}
{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn fLayoutInCell}{\sv 0}}}}{\shp{\*\shpinst\shplid2108{\sp{\sn relLeft}{\sv 8811}}{\sp{\sn relTop}{\sv 458}}{\sp{\sn relRight}{\sv 9333}}{\sp{\sn relBottom}{\sv 811}}{\sp{\sn fRelFlipH}{\sv 0}}
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{\shp{\*\shpinst\shplid2109{\sp{\sn relLeft}{\sv 8811}}{\sp{\sn relTop}{\sv 458}}{\sp{\sn relRight}{\sv 9333}}{\sp{\sn relBottom}{\sv 811}}{\sp{\sn fRelFlipH}{\sv 0}}{\sp{\sn fRelFlipV}{\sv 0}}{\sp{\sn shapeType}{\sv 0}}{\sp{\sn rotation}{\sv 0}}
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{\shpgrp{\*\shpinst\shpleft6985\shptop458\shpright7507\shpbottom811\shpfhdr0\shpbxpage\shpbxignore\shpbypara\shpbyignore\shpwr3\shpwrk0\shpfblwtxt1\shpz15\shplid2115{\sp{\sn groupLeft}{\sv 7625}}{\sp{\sn groupTop}{\sv 458}}{\sp{\sn groupRight}{\sv 8147}}
{\sp{\sn groupBottom}{\sv 811}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{\sn lidRegroup}{\sv 0}}{\sp{\sn posrelh}{\sv 1}}{\sp{\sn posrelv}{\sv 2}}{\sp{\sn dhgt}{\sv 251643904}}{\sp{\sn fLayoutInCell}{\sv 0}}{\sp{\sn fBehindDocument}{\sv 1}}
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{\sp{\sn fLayoutInCell}{\sv 0}}}}{\shp{\*\shpinst\shplid2121{\sp{\sn relLeft}{\sv 7625}}{\sp{\sn relTop}{\sv 458}}{\sp{\sn relRight}{\sv 8147}}{\sp{\sn relBottom}{\sv 811}}{\sp{\sn fRelFlipH}{\sv 0}}
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{\sp{\sn fLayoutInCell}{\sv 0}}}}{\shp{\*\shpinst\shplid2123{\sp{\sn relLeft}{\sv 7625}}{\sp{\sn relTop}{\sv 458}}{\sp{\sn relRight}{\sv 8147}}{\sp{\sn relBottom}{\sv 811}}{\sp{\sn fRelFlipH}{\sv 0}}
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\dpfillfgcr255\dpfillfgcg255\dpfillfgcb255\dpfillbgcr0\dpfillbgcg0\dpfillbgcb0\dpfillpat1\dplinehollow\dpendgroup\dpx0\dpy0\dpxsize0\dpysize0}}}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Do}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 you}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw9\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 intend}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 direct}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 that}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
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\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 transfer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 be}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 made}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 an}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 overseas}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd7\expndtw38\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd7\expndtw39\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 arrangement?}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\par }\pard \ltrpar\s19\ql \li5348\ri0\sb4\nowidctlpar\tx6678\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin5348\itap0\pararsid79021 {\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 YES\tab NO}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6561926 
\par }\pard \ltrpar\s19\ql \li0\ri0\sb6\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin0\itap0\pararsid79021 {\rtlch\fcs1 \af0\afs26 \ltrch\fcs0 \fs26\insrsid6561926 
\par }\pard \ltrpar\s19\ql \li146\ri0\sl20\slmult0\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin146\itap0\pararsid79021 {\field\flddirty\fldlock{\*\fldinst {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \fs2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
SHAPE  \\* MERGEFORMAT}}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1024\langfe1024\noproof\insrsid15288794 
{\shpgrp{\*\shpinst\shpleft0\shptop0\shpright2725\shpbottom20\shpfhdr0\shpbxcolumn\shpbxignore\shpbypara\shpbyignore\shpwr3\shpwrk0\shpfblwtxt1\shpz7\shplockanchor\shplid2124
{\sp{\sn groupLeft}{\sv 0}}{\sp{\sn groupTop}{\sv 0}}{\sp{\sn groupRight}{\sv 2725}}{\sp{\sn groupBottom}{\sv 20}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{\sn lidRegroup}{\sv 0}}{\sp{\sn posrelh}{\sv 3}}{\sp{\sn posrelv}{\sv 3}}
{\sp{\sn dhgt}{\sv 0}}{\sp{\sn fLayoutInCell}{\sv 0}}{\sp{\sn fBehindDocument}{\sv 0}}{\sp{\sn fPseudoInline}{\sv 1}}{\sp{\sn fLayoutInCell}{\sv 0}}{\sp{\sn fLockPosition}{\sv 1}}
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{\sp{\sn rotation}{\sv 0}}{\sp{\sn geoRight}{\sv 2710}}{\sp{\sn geoBottom}{\sv 20}}{\sp{\sn shapePath}{\sv 4}}{\sp{\sn pVerticies}{\sv 8;2;(0,0);(2709,0)}}{\sp{\sn pSegmentInfo}{\sv 2;5;16384;45824;1;45824;32768}}{\sp{\sn fFillOK}{\sv 1}}
{\sp{\sn fFilled}{\sv 0}}{\sp{\sn lineColor}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn lineWidth}{\sv 9651}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\sp{\sn fLine}{\sv 1}}{\sp{\sn lidRegroup}{\sv 0}}{\sp{\sn posrelh}{\sv 1}}{\sp{\sn posrelv}{\sv 1}}
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\fs2\insrsid6561926 {\pict{\*\picprop\defshp\shplid1027{\sp{\sn shapeType}{\sv 75}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{\sn fLockRotation}{\sv 1}}{\sp{\sn fLockPosition}{\sv 1}}
{\sp{\sn fLayoutInCell}{\sv 1}}{\sp{\sn fPseudoInline}{\sv 1}}{\sp{\sn fLayoutInCell}{\sv 1}}{\sp{\sn fLockPosition}{\sv 1}}{\sp{\sn fLockRotation}{\sv 1}}}\picscalex100\picscaley100\piccropl0\piccropr0\piccropt-20\piccropb20
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\colno1\colw9440\sectlinegrid326\sectdefaultcl\sectrsid79021\sftnbj {\rtlch\fcs1 \af0\afs2 \ltrch\fcs0 \fs2\insrsid6561926 
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\fs19\expnd0\expndtw2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0\afs19 \ltrch\fcs0 \b\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 any}{\rtlch\fcs1 \ab\af0\afs19 \ltrch\fcs0 
\b\fs19\expnd0\expndtw3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension,}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 annuity,}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 retirement}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 lump}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw3\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 sum}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 or}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 any }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 other}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 related}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 benefit}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (e.g.
}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 transfer }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd18\expndtw91\charscalex99\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 an}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
Approved Retirement}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Fund)}{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd0\expndtw-2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 which}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 you}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  became entitled }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 under}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 a}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  pension}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-2\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 arrangement }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 but}{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 does}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 not include}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\par }\pard \ltrpar\s19\qj \li154\ri148\sl237\slmult1\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin148\lin154\itap0\pararsid79021 {\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 i)}{\rtlch\fcs1 \af0\afs19 
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\fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 welfare}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 benefits,}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw11\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 such}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 as}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 State}{
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\fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 or}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw10\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 ii)}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 benefits}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 which}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 came}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 into}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 payment
}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 before}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\ul\expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 7}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd14\expndtw71\charscalex99\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 December 2005.}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Please }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 note}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  key}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 point}{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  is}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  an}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 entitlement}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  to a}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  pension}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
 }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 on }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 or }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 after }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 7}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 December}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 2005}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  in}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  respect}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd17\expndtw89\charscalex99\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 which}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
benefits}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 actually}{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 came}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd1\expndtw5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 into}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw7\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 payment}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 e.g.}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 if}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 you}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 retired}{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 or}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 otherwise}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd1\expndtw5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 became}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 entitled}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd1\expndtw5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw7\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 an}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
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\af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 payment}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd7\expndtw38\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 a}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension}{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 benefit}{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 from}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 a}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 arrangement}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 on}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 or}{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 after}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 7}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 December}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }
{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 2005).}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\par }{\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \fs12\up6\insrsid16387421 \hich\af0\dbch\af31505\loch\f0 2}{\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \fs12\expnd4\expndtw20\up6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
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\hich\af0\dbch\af31505\loch\f0 includes}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw4\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 any}
{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension,}{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd0\expndtw2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 annuity,}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
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\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 sum}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
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\hich\af0\dbch\af31505\loch\f0 other}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension
}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 related}{\rtlch\fcs1 \af0\afs19 
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\fs19\expnd0\expndtw2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (e.g.}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw2\insrsid6561926 
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\hich\af0\dbch\af31505\loch\f0 Approved}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd6\expndtw30\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
Retirement}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd5\expndtw29\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Fund)}{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd6\expndtw30\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 which}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd6\expndtw32\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 you}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd6\expndtw31\insrsid6561926 
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\ltrch\fcs0 \expnd7\expndtw35\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 an}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd7\expndtw37\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 encashment}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd7\expndtw35\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 option}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd7\expndtw36\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 in}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd7\expndtw36\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 accordance}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd7\expndtw35\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 with}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd7\expndtw36\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 section}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd8\expndtw44\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 787TA}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Taxes}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd3\expndtw15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Consolidation}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw13\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Act}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 1997?}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\par }\pard \ltrpar\s19\ql \li0\ri0\sb2\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin0\itap0\pararsid79021 {\rtlch\fcs1 \af0\afs26 \ltrch\fcs0 \fs26\insrsid6561926 
\par }\pard \ltrpar\s19\ql \li5355\ri0\nowidctlpar\tx6685\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin5355\itap0\pararsid79021 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 YES\tab NO
\par }\pard \ltrpar\s19\ql \li0\ri0\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin0\itap0\pararsid79021 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\par 
\par }\pard\plain \ltrpar\s3\ql \li154\ri0\sb137\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\outlinelevel2\rin0\lin154\itap0\pararsid79021 \rtlch\fcs1 \ab\af0\afs22\alang1025 \ltrch\fcs0 
\b\fs22\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 IF}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 YOU}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 HAVE}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 ANSWERED}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ulth\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 NO}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \ulth\expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 TO}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw13\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ulth\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 ALL}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ulth\expnd3\expndtw16\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 OF}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 THE}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 ABOVE}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 QUESTIONS}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw12\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 THEN:-}{\rtlch\fcs1 \ab0\af0 \ltrch\fcs0 \b0\insrsid6561926 
\par }\pard\plain \ltrpar\s19\ql \li0\ri0\sb3\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin0\itap0\pararsid79021 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {
\rtlch\fcs1 \ab\af0\afs23 \ltrch\fcs0 \b\fs23\insrsid6561926 
\par {\listtext\pard\plain\ltrpar \s4 \rtlch\fcs1 \ab\ai\af0\afs22 \ltrch\fcs0 \b\i\fs22\expnd0\expndtw-1\lang6153\langfe6153\charscalex102\langfenp6153\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (i)\tab}}\pard\plain \ltrpar
\s4\ql \fi-338\li492\ri0\sb76\nowidctlpar\tx493\wrapdefault\nocwrap\nooverflow\faauto\ls8\outlinelevel3\rin0\lin492\itap0\pararsid79021 \rtlch\fcs1 \ab\ai\af0\afs22\alang1025 \ltrch\fcs0 
\b\i\fs22\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 COMPLETE}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd3\expndtw18\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 PART}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd4\expndtw21\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 C}{\rtlch\fcs1 \ab0\ai0\af0 \ltrch\fcs0 \b0\i0\insrsid6561926 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \ab\ai\af0\afs22 \ltrch\fcs0 \b\i\fs22\lang6153\langfe6153\charscalex102\langfenp6153\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (ii)\tab}}\pard\plain \ltrpar\s19\ql \fi-338\li492\ri0\sb6\nowidctlpar
\tx493\wrapdefault\nocwrap\nooverflow\faauto\ls8\rin0\lin492\itap0\pararsid79021 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 
\b\i\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 SIGN}{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\expnd5\expndtw26\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 THE}{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\expnd5\expndtw27\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
DECLARATION.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\par }\pard \ltrpar\s19\ql \li0\ri0\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin0\itap0\pararsid79021 {\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\insrsid6561926 
\par }\pard \ltrpar\s19\ql \li0\ri0\sb7\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin0\itap0\pararsid79021 {\rtlch\fcs1 \ab\ai\af0\afs30 \ltrch\fcs0 \b\i\fs30\insrsid6561926 
\par }\pard \ltrpar\s19\ql \li154\ri0\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin154\itap0\pararsid79021 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 IF}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 
\b\expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 YOU}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\expnd3\expndtw16\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 HAVE}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\ab\af0 \ltrch\fcs0 \b\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 ANSWERED}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 
\b\ulth\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 YES}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\expnd3\expndtw16\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 TO}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\expnd3\expndtw15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 ANY}{
\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\expnd3\expndtw17\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 OF}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 
\b\expnd3\expndtw15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 THE}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\expnd3\expndtw15\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 ABOVE}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\expnd3\expndtw16\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\ab\af0 \ltrch\fcs0 \b\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 QUESTIONS}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 
\b\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 THEN:-}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\par }\pard \ltrpar\s19\ql \li0\ri0\sb4\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin0\itap0\pararsid79021 {\rtlch\fcs1 \ab\af0\afs23 \ltrch\fcs0 \b\fs23\insrsid6561926 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \ab\ai\af0\afs22 \ltrch\fcs0 \b\i\fs22\expnd0\expndtw-1\lang6153\langfe6153\charscalex102\langfenp6153\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (i)\tab}}\pard \ltrpar
\s19\ql \fi-678\li888\ri0\sb76\nowidctlpar\tx889\wrapdefault\nocwrap\nooverflow\faauto\ls7\rin0\lin888\itap0\pararsid79021 {\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 PROVIDE}{\rtlch\fcs1 
\ab\ai\af0 \ltrch\fcs0 \b\i\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 THE}{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 
\b\i\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 INFORMATION}{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 
\b\i\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 REQUESTED}{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\expnd1\expndtw9\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 IN}{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 PART}{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 
\b\i\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 B,}{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 AS}{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
APPROPRIATE;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
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\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 drawing}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 down}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 their}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 public}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 service}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
pension}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 rights}{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 with}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 a}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 view}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd17\expndtw87\charscalex99\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-18\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 mitigating}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-17\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-17\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 chargeable}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-18\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 excess}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-17\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 that}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-17\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 would
}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-17\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 otherwise}{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd-3\expndtw-18\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 arise}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-18\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 on}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-17\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-17\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 crystallisation}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-17\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-17\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 those}{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-17\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 public}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-3\expndtw-18\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 service}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-3\expndtw-18\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd19\expndtw99\charscalex99\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 rights.}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 The}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw11\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 amount}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 encashed}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 is}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 subject}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 income}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 tax}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 at}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 a}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \loch\af0\dbch\af31505\hich\f0 \'93\loch\f0 \hich\f0 ring-fenced\'94}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 rate}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 41%}{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 plus}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 4%}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 USC.}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Encashed}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd17\expndtw85\charscalex99\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 amounts}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 do}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 not}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
constitute}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 BCEs}{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 for}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 purposes}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}
{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 SFT}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 regime.}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\par \sect }\sectd \ltrsect\margtsxn1300\linex0\headery0\footery1380\sectdefaultcl\sftnbj \pard\plain \ltrpar\s2\qc \li2005\ri1939\sb58\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\outlinelevel1\rin1939\lin2005\itap0\pararsid79021 \rtlch\fcs1 
\ab\af0\afs26\alang1025 \ltrch\fcs0 \b\fs26\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16387421 \line }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 PART}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 B}{\rtlch\fcs1 \ab0\af0 \ltrch\fcs0 
\b0\insrsid6561926 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\expnd0\expndtw-1\lang1024\langfe1024\charscalex103\noproof\langfenp6153 \hich\af0\dbch\af31505\loch\f0 3.\tab}}\pard\plain \ltrpar\s19\qj \fi-338\li338\ri149\sb180\sl262\slmult1
\nowidctlpar\tx493\wrapdefault\nocwrap\nooverflow\faauto\ls6\rin149\lin338\itap0\pararsid16387421 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \af0 
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\hich\af0\dbch\af31505\loch\f0 contribution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd8\expndtw42\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
occupational}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd4\expndtw22\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd4\expndtw22\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 scheme,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd4\expndtw22\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 retirement}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd4\expndtw20\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 annuity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd4\expndtw23\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 contract,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd4\expndtw22\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 PRSA,}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd4\expndtw22\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Buy-Out-Bond,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd6\expndtw32\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Additional}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Voluntary}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Contributions}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 (AVC)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 for}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }
{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 purpose}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
supplementing}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd7\expndtw36\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 retirement}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd4\expndtw21\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 benefits}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd4\expndtw23\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 etc.).}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\lang6153\langfe6153\charscalex102\langfenp6153\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 b)\tab}}\pard \ltrpar\s19\qj \fi-340\li678\ri150\sb150\sl265\slmult1
\nowidctlpar\tx833\wrapdefault\nocwrap\nooverflow\faauto\ls6\ilvl1\rin150\lin678\itap0\pararsid79021 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 The}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 date}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 you}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 became}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 expect}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 become)}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 entitled}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 benefit(s)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 under}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd12\expndtw61\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 arrangement.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\lang6153\langfe6153\charscalex102\langfenp6153\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 c)\tab}}\pard \ltrpar\s19\ql \fi-340\li678\ri0\sb153\nowidctlpar
\tx833\wrapdefault\nocwrap\nooverflow\faauto\ls6\ilvl1\rin0\lin678\itap0\pararsid79021 {\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 The}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw16\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 name}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw18\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 scheme/arrangement.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\lang6153\langfe6153\charscalex102\langfenp6153\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 d)\tab}}\pard \ltrpar\s19\ql \fi-340\li678\ri0\sb176\nowidctlpar
\tx833\wrapdefault\nocwrap\nooverflow\faauto\ls6\ilvl1\rin0\lin678\itap0\pararsid79021 {\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 The}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw15\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 contact}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 details}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 for}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 scheme}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw17\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 administrator.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\lang6153\langfe6153\charscalex102\langfenp6153\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 e)\tab}}\pard \ltrpar\s19\ql \fi-340\li678\ri0\sb179\nowidctlpar
\tx833\wrapdefault\nocwrap\nooverflow\faauto\ls6\ilvl1\rin0\lin678\itap0\pararsid79021 {\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Your}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 reference}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw17\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 number}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 under}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd4\expndtw20\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd3\expndtw19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 scheme/arrangement.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\lang6153\langfe6153\charscalex102\langfenp6153\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 f)\tab}}\pard \ltrpar\s19\qj \fi-340\li678\ri151\sb178\sl265\slmult1
\nowidctlpar\tx833\wrapdefault\nocwrap\nooverflow\faauto\ls6\ilvl1\rin151\lin678\itap0\pararsid79021 {\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 In}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd6\expndtw32\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd7\expndtw35\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 case}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd6\expndtw33\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd6\expndtw34\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 a}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \expnd6\expndtw34\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 transfer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd7\expndtw38\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 made}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd6\expndtw34\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd6\expndtw34\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd6\expndtw32\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 be}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd7\expndtw36\insrsid6561926 
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\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 with}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 option}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 commute}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 part}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd9\expndtw46\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 pension}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 for}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 lump}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 sum}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (i.e.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 most}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }
{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 private}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 sector}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 schemes),}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 capital}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw12\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 value}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd12\expndtw62\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 benefits}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 based}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 on}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 annual}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \ul\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 amount}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\expnd2\expndtw11\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 would}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \ul\expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 have}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\expnd2\expndtw10\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 been}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd8\expndtw40\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 payable}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 is}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 expected}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 be}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 payable)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 you}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 when}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 commenced}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (or}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd10\expndtw54\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 commences),}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 before}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\expnd2\expndtw11\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 any}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\expnd3\expndtw15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 
\ltrch\fcs0 \b\ulth\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 commutation}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 
\b\ulth\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 for}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 a}{
\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 lump}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 
\b\ulth\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 sum}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\expnd2\expndtw14\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (see}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 
\ltrch\fcs0 \b\ulth\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 footnote}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 for}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 fuller}{\rtlch\fcs1 
\ab\af0 \ltrch\fcs0 \b\expnd7\expndtw39\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 explanation}{\rtlch\fcs1 \ab\af37\afs15 \ltrch\fcs0 
\b\f37\fs15\expnd0\expndtw-1\up8\insrsid6561926 \hich\af37\dbch\af31505\loch\f37 5}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 )}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\lang6153\langfe6153\charscalex102\langfenp6153\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (ii)\tab}}\pard \ltrpar\s19\ql \fi-338\li1016\ri474\sb13\sl265\slmult1
\nowidctlpar\tx1171\wrapdefault\nocwrap\nooverflow\faauto\ls6\ilvl2\rin474\lin1016\itap0\pararsid79021 {\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 where}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 arrangement}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 provides}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
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\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Civil/Public}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd4\expndtw20\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
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\af0 \ltrch\fcs0 \insrsid6561926 
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}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
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\hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 a}{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 DC}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
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\fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 it}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 is}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 actual}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-4\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 value}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 fund}{
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\fs19\expnd0\expndtw-4\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 that}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-4\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 must}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
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\hich\af0\dbch\af31505\loch\f0 used}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd15\expndtw79\charscalex99\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 and}{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 not}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 any}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 earlier}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 estimates.}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\par }\pard \ltrpar\s19\qj \li0\ri149\sl237\slmult1\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin149\lin0\itap0\pararsid16387421 {\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \fs12\up7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 5}{\rtlch\fcs1 \af0\afs12 
\ltrch\fcs0 \fs12\expnd5\expndtw26\up7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Note}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw7\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 capital}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 value}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 be}{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 included}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 here}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw7\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 is}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 not}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 be}{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 based}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 on}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 actual}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 annual}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 rate}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension}{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 paid}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw9\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd16\expndtw83\charscalex99\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 individual}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-4\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  
}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 at}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-4\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 time}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-4\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 he/she}
{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 became}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-4\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 entitled}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-4\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 it,}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 which}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-4\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 could}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 reflect}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-4\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 fact}{
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\fs19\expnd0\expndtw-4\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 individual}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  
}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 commuted}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 part}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd21\expndtw107\charscalex99\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw4\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension}{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 entitlement}{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd1\expndtw5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 for}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw3\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 a}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 lump}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 sum.}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw4\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Neither}
{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw4\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 is}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd1\expndtw5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 it}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw6\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 be}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 based}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 on}{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw4\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 current}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\ul\expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 annual}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\ul\expnd0\expndtw4\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 rate}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw4\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 being}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd16\expndtw83\charscalex99\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 paid}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 if}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 this}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
reflects}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-2\expndtw-10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 adjustments}{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 in}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-2\expndtw-10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-2\expndtw-10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 rate}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-2\expndtw-10\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 since}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-2\expndtw-10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 it}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 was}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 first}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
awarded.}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-2\expndtw-11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Rather,}{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd-1\expndtw-9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 it}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-9\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 is}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 reflect}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-2\expndtw-10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-2\expndtw-10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 annual}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 rate}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd24\expndtw121\charscalex99\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension}
{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 that}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 would}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 have}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 been}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (or}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 would}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 be)}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 payable}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 individual}{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 on}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\ul\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd-1\expndtw-8\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 assumption}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd-1\expndtw-7\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 that}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
 }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 there}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd-1\expndtw-8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\ul\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 was}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd-1\expndtw-8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\ul\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (or}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 will}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd19\expndtw95\charscalex99\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 be) no 
}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 commutation}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\ul\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
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\hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
pension}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 for}{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\ul\expnd0\expndtw2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 a}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw3\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 lump}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\ul\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 sum}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 or no}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
adjustments}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 made}{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 in}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\ul\expnd0\expndtw1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 relevant}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\ul\expnd0\expndtw3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\ul\expnd0\expndtw2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\ul\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 payable}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 .}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd15\expndtw75\charscalex99\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 The}{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 corollary}{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 this}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 is}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 that}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 capital}
{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 value}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw13\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 any}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 actual}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 lump}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 sum}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 taken}{
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\fs19\expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 be}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 taken)}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 is}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 ignored}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 as}{
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\fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 is}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd17\expndtw85\charscalex99\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 already}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
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\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 as}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 part}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}
{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension}{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 capital}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 value.}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\par }\pard \ltrpar\s19\qj \li154\ri149\sl237\slmult1\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin149\lin154\itap0\pararsid79021 {\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \sect }\sectd \ltrsect
\margtsxn1300\linex0\headery0\footery1380\sectdefaultcl\sftnbj {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\lang6153\langfe6153\charscalex102\langfenp6153\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (b)
\tab}\pard\plain \ltrpar\s19\ql \fi-338\li1693\ri201\sb59\sl265\slmult1\nowidctlpar\tx1848\wrapdefault\nocwrap\nooverflow\faauto\ls6\ilvl3\rin201\lin1693\itap0\pararsid79021 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw12\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 actual}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 cash}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 value}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 separately}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 accrued}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 lump}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 sum}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 paid}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 expected}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd10\expndtw52\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 be}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 paid)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw8\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 you.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\par }\pard \ltrpar\s19\ql \li0\ri0\sb7\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin0\itap0\pararsid79021 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6561926 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\lang6153\langfe6153\charscalex102\langfenp6153\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 h)\tab}}\pard \ltrpar\s19\qj \fi-340\li678\ri149\sl263\slmult1
\nowidctlpar\tx833\wrapdefault\nocwrap\nooverflow\faauto\ls6\ilvl1\rin149\lin678\itap0\pararsid79021 {\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Where}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 arrangement}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 is}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 defined}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\expnd0\expndtw2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 
\b\ulth\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 contribution}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 arrangement}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ulth\expnd0\expndtw1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (e.g.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0  a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 defined}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd8\expndtw43\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 contribution
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd7\expndtw37\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 occupational}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd7\expndtw38\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd7\expndtw38\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 scheme,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd7\expndtw38\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd7\expndtw38\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
retirement}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd7\expndtw38\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 annuity}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd8\expndtw41\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 contract,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd7\expndtw37\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd7\expndtw36\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 PRSA,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd7\expndtw38\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 a}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd9\expndtw45\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Buyout}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd5\expndtw28\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Bond,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd5\expndtw28\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 an}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd5\expndtw29\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 AVC}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd5\expndtw28\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
etc.)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd5\expndtw29\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 please}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd5\expndtw29\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 indicate}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd5\expndtw28\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 in}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd5\expndtw28\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd5\expndtw29\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 following}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd5\expndtw28\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 table}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd6\expndtw30\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd5\expndtw28\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 nature}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd5\expndtw29\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd5\expndtw28\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd10\expndtw53\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 capital}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 value}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw9\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 expected}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 capital}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 value)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
benefits}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 taken}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 be}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 taken)}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 i.e.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd13\expndtw65\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd8\expndtw42\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Benefit}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd8\expndtw42\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Crystallisation}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd8\expndtw42\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Events}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd8\expndtw42\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6561926 -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd8\expndtw43\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 on}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd8\expndtw42\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd8\expndtw41\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 date}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd8\expndtw42\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 you}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd8\expndtw42\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
became}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd8\expndtw42\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (or}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd8\expndtw42\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 expect}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd8\expndtw43\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd8\expndtw43\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 become)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd10\expndtw53\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 entitled}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 them.}{\rtlch\fcs1 \af37\afs15 
\ltrch\fcs0 \f37\fs15\expnd0\expndtw-1\up8\insrsid16387421 \hich\af37\dbch\af31505\loch\f37 6}{\rtlch\fcs1 \af37\afs15 \ltrch\fcs0 \f37\fs15\insrsid6561926 
\par }\pard \ltrpar\s19\ql \li0\ri0\sb7\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin0\itap0\pararsid79021 {\rtlch\fcs1 \af37\afs23 \ltrch\fcs0 \f37\fs23\insrsid6561926 
\par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts11\trrh-720\trleft1508\trftsWidth1\trftsWidthB3\trftsWidthA3\tblrsid79021\tblind1513\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr
\brdrs\brdrw10\brdrcf1 \clcbpat19\cltxlrtb\clftsWidth3\clwWidth4376\clcbpatraw19 \cellx5884\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\clcbpat19\cltxlrtb\clftsWidth3\clwWidth2668\clcbpatraw19 \cellx8552\pard\plain \ltrpar\s22\ql \li94\ri0\sb6\nowidctlpar\intbl\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin94 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \ab\af0\afs22 \ltrch\fcs0 \b\fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Nature}{\rtlch\fcs1 \ab\af0\afs22 \ltrch\fcs0 
\b\fs22\expnd3\expndtw15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0\afs22 \ltrch\fcs0 \b\fs22\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \ab\af0\afs22 \ltrch\fcs0 \b\fs22\expnd3\expndtw15\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0\afs22 \ltrch\fcs0 \b\fs22\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Benefit}{\rtlch\fcs1 \ab\af0\afs22 \ltrch\fcs0 \b\fs22\expnd3\expndtw15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \ab\af0\afs22 \ltrch\fcs0 \b\fs22\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (BCE)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \cell }\pard \ltrpar\s22\ql \li96\ri233\sb6\sl265\slmult1
\nowidctlpar\intbl\wrapdefault\nocwrap\nooverflow\faauto\rin233\lin96 {\rtlch\fcs1 \ab\af0\afs22 \ltrch\fcs0 \b\fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Capital}{\rtlch\fcs1 \ab\af0\afs22 \ltrch\fcs0 
\b\fs22\expnd3\expndtw15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0\afs22 \ltrch\fcs0 \b\fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Value}{\rtlch\fcs1 \ab\af0\afs22 \ltrch\fcs0 
\b\fs22\expnd3\expndtw15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0\afs22 \ltrch\fcs0 \b\fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \ab\af0\afs22 \ltrch\fcs0 
\b\fs22\expnd3\expndtw15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0\afs22 \ltrch\fcs0 \b\fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Benefit}{\rtlch\fcs1 \ab\af0\afs22 \ltrch\fcs0 
\b\fs22\expnd6\expndtw30\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ab\af0\afs22 \ltrch\fcs0 \b\fs22\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 \hich\f0 (\'80\loch\f0 )}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \trowd \irow0\irowband0\ltrrow
\ts11\trrh-720\trleft1508\trftsWidth1\trftsWidthB3\trftsWidthA3\tblrsid79021\tblind1513\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\clcbpat19\cltxlrtb\clftsWidth3\clwWidth4376\clcbpatraw19 \cellx5884\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\clcbpat19\cltxlrtb\clftsWidth3\clwWidth2668\clcbpatraw19 \cellx8552\row \ltrrow}\trowd \irow1\irowband1\ltrrow\ts11\trrh-440\trleft1508\trftsWidth1\trftsWidthB3\trftsWidthA3\tblrsid79021\tblind1513\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 
\clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth4376\clshdrawnil \cellx5884\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 
\clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2668\clshdrawnil \cellx8552\pard\plain \ltrpar\s22\ql \li94\ri0\sl-258\slmult0\nowidctlpar\intbl\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin94\pararsid7146092 \rtlch\fcs1 
\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Lump}{\rtlch\fcs1 \af0\afs22 
\ltrch\fcs0 \fs22\expnd3\expndtw19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Sum}{\rtlch\fcs1 \af0\afs15 \ltrch\fcs0 \fs15\up8\insrsid7146092 
\hich\af0\dbch\af31505\loch\f0 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \cell }\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \trowd \irow1\irowband1\ltrrow\ts11\trrh-440\trleft1508\trftsWidth1\trftsWidthB3\trftsWidthA3\tblrsid79021\tblind1513\tblindtype3 
\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth4376\clshdrawnil \cellx5884\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl
\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2668\clshdrawnil \cellx8552\row \ltrrow}\pard\plain \ltrpar\s22\ql \li94\ri0\sl-257\slmult0
\nowidctlpar\intbl\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin94\pararsid7146092 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 
\fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Annuity}{\rtlch\fcs1 \af0\afs15 \ltrch\fcs0 \fs15\expnd0\expndtw-1\up8\insrsid7146092 \hich\af0\dbch\af31505\loch\f0 8}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \cell 
}\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6561926 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \trowd \irow2\irowband2\ltrrow
\ts11\trrh-440\trleft1508\trftsWidth1\trftsWidthB3\trftsWidthA3\tblrsid79021\tblind1513\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth4376\clshdrawnil \cellx5884\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2668\clshdrawnil \cellx8552\row 
\ltrrow}\pard\plain \ltrpar\s22\ql \li94\ri0\sl-257\slmult0\nowidctlpar\intbl\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin94\pararsid7146092 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Transfer}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 
\fs22\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd2\expndtw12\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 an}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs22 
\ltrch\fcs0 \fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 ARF}{\rtlch\fcs1 \af0\afs15 \ltrch\fcs0 \fs15\expnd0\expndtw-1\up8\insrsid7146092 \hich\af0\dbch\af31505\loch\f0 9}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \cell 
}\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6561926 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \trowd \irow3\irowband3\ltrrow
\ts11\trrh-440\trleft1508\trftsWidth1\trftsWidthB3\trftsWidthA3\tblrsid79021\tblind1513\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth4376\clshdrawnil \cellx5884\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2668\clshdrawnil \cellx8552\row 
\ltrrow}\pard\plain \ltrpar\s22\ql \li94\ri0\sl-257\slmult0\nowidctlpar\intbl\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin94\pararsid7146092 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Transfer}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 
\fs22\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd2\expndtw14\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 an}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs22 
\ltrch\fcs0 \fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 AMRF}{\rtlch\fcs1 \af0\afs15 \ltrch\fcs0 \fs15\expnd0\expndtw-1\up8\insrsid7146092 \hich\af0\dbch\af31505\loch\f0 10}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \cell 
}\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6561926 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \trowd \irow4\irowband4\ltrrow
\ts11\trrh-440\trleft1508\trftsWidth1\trftsWidthB3\trftsWidthA3\tblrsid79021\tblind1513\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth4376\clshdrawnil \cellx5884\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2668\clshdrawnil \cellx8552\row 
\ltrrow}\trowd \irow5\irowband5\ltrrow\ts11\trrh-439\trleft1508\trftsWidth1\trftsWidthB3\trftsWidthA3\tblrsid79021\tblind1513\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr
\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth4376\clshdrawnil \cellx5884\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth2668\clshdrawnil \cellx8552\pard\plain \ltrpar\s22\ql \li94\ri0\sl-257\slmult0\nowidctlpar\intbl\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin94\pararsid7146092 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Transfer}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 
\fs22\expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd3\expndtw15\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Self}{\rtlch\fcs1 \af0\afs15 \ltrch\fcs0 \fs15\expnd0\expndtw-1\up8\insrsid7146092 \hich\af0\dbch\af31505\loch\f0 11}
{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \cell }\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \trowd \irow5\irowband5\ltrrow\ts11\trrh-439\trleft1508\trftsWidth1\trftsWidthB3\trftsWidthA3\tblrsid79021\tblind1513\tblindtype3 
\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth4376\clshdrawnil \cellx5884\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl
\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2668\clshdrawnil \cellx8552\row \ltrrow}\trowd \irow6\irowband6\ltrrow
\ts11\trrh-440\trleft1508\trftsWidth1\trftsWidthB3\trftsWidthA3\tblrsid79021\tblind1513\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth4376\clshdrawnil \cellx5884\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2668\clshdrawnil \cellx8552
\pard\plain \ltrpar\s22\ql \li94\ri0\sl-258\slmult0\nowidctlpar\intbl\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin94\pararsid7146092 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Amount}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 
\fs22\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 retained}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 
\fs22\expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 in}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd3\expndtw15\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 a}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs22 
\ltrch\fcs0 \fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 vested}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 
\fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 PRSA}{\rtlch\fcs1 \af0\afs15 \ltrch\fcs0 \fs15\expnd0\expndtw-1\up8\insrsid7146092 \hich\af0\dbch\af31505\loch\f0 12}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \cell 
}\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6561926 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \trowd \irow6\irowband6\ltrrow
\ts11\trrh-440\trleft1508\trftsWidth1\trftsWidthB3\trftsWidthA3\tblrsid79021\tblind1513\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth4376\clshdrawnil \cellx5884\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2668\clshdrawnil \cellx8552\row 
\ltrrow}\pard\plain \ltrpar\s22\ql \li94\ri0\sl-258\slmult0\nowidctlpar\intbl\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin94\pararsid7146092 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Transfer}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 
\fs22\expnd3\expndtw16\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd3\expndtw17\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 an}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd3\expndtw17\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs22 
\ltrch\fcs0 \fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Overseas}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd3\expndtw18\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 
\fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Arrangement}{\rtlch\fcs1 \af0\afs15 \ltrch\fcs0 \fs15\expnd0\expndtw-1\up8\insrsid7146092 \hich\af0\dbch\af31505\loch\f0 13}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \cell 
}\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6561926 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \trowd \irow7\irowband7\ltrrow
\ts11\trrh-440\trleft1508\trftsWidth1\trftsWidthB3\trftsWidthA3\tblrsid79021\tblind1513\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth4376\clshdrawnil \cellx5884\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2668\clshdrawnil \cellx8552\row 
\ltrrow}\pard\plain \ltrpar\s22\ql \li94\ri0\sb5\nowidctlpar\intbl\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin94 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {
\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Other}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \cell }\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0 \rtlch\fcs1 
\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \trowd \irow8\irowband8\lastrow \ltrrow
\ts11\trrh-440\trleft1508\trftsWidth1\trftsWidthB3\trftsWidthA3\tblrsid79021\tblind1513\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 
\cltxlrtb\clftsWidth3\clwWidth4376\clshdrawnil \cellx5884\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf1 \clbrdrl\brdrs\brdrw10\brdrcf1 \clbrdrb\brdrs\brdrw10\brdrcf1 \clbrdrr\brdrs\brdrw10\brdrcf1 \cltxlrtb\clftsWidth3\clwWidth2668\clshdrawnil \cellx8552\row 
}\pard\plain \ltrpar\s19\ql \li0\ri0\sb1\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin0\itap0\pararsid79021 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {
\rtlch\fcs1 \af37\afs17 \ltrch\fcs0 \f37\fs17\insrsid6561926 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\lang6153\langfe6153\charscalex102\langfenp6153\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 i)\tab}}\pard \ltrpar\s19\qj \fi-340\li678\ri149\sb76\sl260\slmult1
\nowidctlpar\tx833\wrapdefault\nocwrap\nooverflow\faauto\ls6\ilvl1\rin149\lin678\itap0\pararsid79021 {\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 The}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 legislation}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 provides}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 where}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 more}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 than}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 one}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 benefit}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (BCE)}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 arises}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 on}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd10\expndtw50\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 same}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 day}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd3\expndtw17\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (e.g.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw15\insrsid6561926 
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paid}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 
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\par }\pard \ltrpar\s19\qj \li154\ri151\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin151\lin154\itap0\pararsid79021 {\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \fs12\up6\insrsid7146092 \hich\af0\dbch\af31505\loch\f0 8}{\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 
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\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 market}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
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\fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-4\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd15\expndtw79\charscalex99\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 cash}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 or}{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 other}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 assets}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 as}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 were}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (or}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 are}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 expected}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 be)}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-4\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 transferred}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 an}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-4\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 ARF}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 following}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 exercise}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of
}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 option.}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\par }\pard \ltrpar\s19\qj \li154\ri149\sl237\slmult1\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin149\lin154\itap0\pararsid79021 {\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \fs12\up7\insrsid7146092 \hich\af0\dbch\af31505\loch\f0 10}{\rtlch\fcs1 \af0\afs12 
\ltrch\fcs0 \fs12\expnd5\expndtw26\up7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Where}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 you}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 have}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 exercised}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 (or}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 intend}{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 exercise)}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 an}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw9\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \loch\af0\dbch\af31505\hich\f0 \'93\loch\f0 ARF}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 \hich\f0 Option\'94}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw9\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (see}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 footnote}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 5),}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 capital}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 value}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 is}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd17\expndtw87\charscalex99\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 amount}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd4\expndtw21\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 or}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd3\expndtw18\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 market}{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd4\expndtw21\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 value}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd4\expndtw20\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd4\expndtw20\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd4\expndtw20\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 cash}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd4\expndtw20\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 or}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd3\expndtw19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 other}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd4\expndtw20\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 assets}{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd4\expndtw21\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 as}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd4\expndtw22\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 were}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd4\expndtw21\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (or}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd4\expndtw20\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 are}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd4\expndtw20\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 expected}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd4\expndtw21\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd4\expndtw20\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 be)}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd3\expndtw19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
transferred}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd4\expndtw20\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd4\expndtw20\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 an}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd4\expndtw20\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 AMRF}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd16\expndtw83\charscalex99\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 following}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  
}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 exercise}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 option.
}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\par }\pard \ltrpar\s19\qj \li154\ri146\sl237\slmult1\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin146\lin154\itap0\pararsid79021 {\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \fs12\up7\insrsid7146092 \hich\af0\dbch\af31505\loch\f0 11}{\rtlch\fcs1 \af0\afs12 
\ltrch\fcs0 \fs12\expnd5\expndtw29\up7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Where}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 you}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw11\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 have}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 exercised}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (or}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 intend}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 exercise)}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 an}{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \loch\af0\dbch\af31505\hich\f0 \'93\loch\f0 ARF}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Option}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (see}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 footnote}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 5),}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 capital}
{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 value}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 is}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw13\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd17\expndtw89\charscalex99\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 amount}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 or}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 market value}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 cash }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 or}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-4\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 other
}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 assets}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 as}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  were }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (or}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  are expected}{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 be)}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-3\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 transferred }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  you}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 as}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 a}{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 taxable}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd14\expndtw73\charscalex99\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 lump}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 sum}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 following}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 exercise}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }
{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 option.}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\par }\pard \ltrpar\s19\ql \li154\ri201\sl236\slmult1\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin201\lin154\itap0\pararsid79021 {\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \fs12\up7\insrsid7146092 \hich\af0\dbch\af31505\loch\f0 12}{\rtlch\fcs1 \af0\afs12 
\ltrch\fcs0 \fs12\expnd5\expndtw26\up7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Where}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 you}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 have}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 not}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 exercised
}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 an}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 ARF}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw10\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Option}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (or}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 do}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 not}{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 intend}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw9\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 do}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 so)}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (see}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 footnote}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 5)}{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 and}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 instead}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 have}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd14\expndtw71\charscalex99\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 retained}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (or}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw7\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 intend}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 retain)}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 assets}{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw6\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 PRSA}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 in}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 that}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 or}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw4\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 any}{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 other}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 PRSA}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw7\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (as}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 a}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 vested}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 PRSA),}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 capital}{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd15\expndtw79\charscalex99\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 value}{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd-3\expndtw-17\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 is}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-15\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-16\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 amount}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-2\expndtw-14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 or}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 market}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-16\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
value}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-16\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-3\expndtw-15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-3\expndtw-15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 cash}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-2\expndtw-14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 or}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-17\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 other}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-16\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 assets}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 as}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 were}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (or}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 are}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-17\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 be)}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-3\expndtw-15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
retained}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-2\expndtw-14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 in}{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd-2\expndtw-14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-2\expndtw-14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 vested}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-3\expndtw-15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 PRSA(s).}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd15\expndtw78\charscalex99\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \fs12\up7\insrsid7146092 \hich\af0\dbch\af31505\loch\f0 13}{\rtlch\fcs1 \af0\afs12 \ltrch\fcs0 
\fs12\expnd2\expndtw11\up7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Where}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 you}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 have}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (or}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
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\par }}\dpx5997\dpy14240\dpxsize247\dpysize247\dpfillfgcr255\dpfillfgcg255\dpfillfgcb255\dpfillbgcr255\dpfillbgcg255\dpfillbgcb255\dpfillpat0\dplinehollow}}}}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid6561926 
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\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid6561926 
\par 
\par }\pard \ltrpar\s19\ql \li0\ri0\sb1\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin0\itap0\pararsid79021 {\rtlch\fcs1 \af0\afs16 \ltrch\fcs0 \fs16\insrsid6561926 
\par }\pard \ltrpar\s19\qj \li154\ri149\sb76\sl262\slmult1\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin149\lin154\itap0\pararsid79021 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 4.}{\rtlch\fcs1 
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\expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 have}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 exercised,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
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\expnd3\expndtw15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 exercise,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw15\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 an}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
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\hich\af0\dbch\af31505\loch\f0 option}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 in}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd3\expndtw15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 accordance}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw12\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 with}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd6\expndtw32\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 section}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd4\expndtw24\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 787TA}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd5\expndtw26\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd5\expndtw25\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd4\expndtw24\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Taxes}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd5\expndtw25\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Consolidation}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd5\expndtw25\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Act}
{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd5\expndtw27\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 1997}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd5\expndtw26\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 (the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd5\expndtw25\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Act)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd5\expndtw26\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 in}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd5\expndtw28\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 circumstances}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \expnd4\expndtw24\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 where}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd5\expndtw27\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 all}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd4\expndtw24\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd13\expndtw69\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
any part of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw-2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 encashment}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-2\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 tax}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 remains}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 (or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 is}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 likely}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 remain)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 unpaid}{\rtlch\fcs1 \af0\afs15 \ltrch\fcs0 \fs15\expnd0\expndtw-1\up8\insrsid7146092 \hich\af0\dbch\af31505\loch\f0 14}{\rtlch\fcs1 \af0\afs15 \ltrch\fcs0 \fs15\expnd3\expndtw16\up8\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 and,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 as such,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 is}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 required}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd9\expndtw48\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 under}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw15\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 section}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 18}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd3\expndtw16\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }
{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Act}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 treated}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd3\expndtw15\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 as}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw16\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \loch\af0\dbch\af31505\hich\f0 \'93\loch\f0 chargeable}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 excess}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw16\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 \hich\f0 tax\'94}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 by}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \expnd3\expndtw18\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw13\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 public}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
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\hich\af0\dbch\af31505\loch\f0 pension}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd9\expndtw47\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
administrator,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 please}{\rtlch\fcs1 \af0 \ltrch\fcs0 
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\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 where}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 tax}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 due}{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 on}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw9\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 exercise}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 an}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 encashment
}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 option}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd1\expndtw7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 cannot}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw9\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 be}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 discharged}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 in}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd15\expndtw79\charscalex99\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 whole}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 or}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw10\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 in}{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 part}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 at}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 time}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 option}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 is}{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 exercised.}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Section}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 787TA(18)}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw11\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Taxes}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Consolidation}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Act}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 1997,}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd16\expndtw83\charscalex99\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 provides}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
that,}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 in}{\rtlch\fcs1 \af0\afs19 
\ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 such}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 circumstances,}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-8\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 tax,}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-9\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 or}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 outstanding}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 unpaid}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 balance}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 tax,}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 passes}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 
on}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 public}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd17\expndtw89\charscalex99\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 sector}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 pension}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 scheme}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 administrator}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\expnd-1\expndtw-8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 to}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 be}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 discharged}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 as}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\loch\af0\dbch\af31505\hich\f0 \'93\loch\f0 tax}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 on}{
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\fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 chargeable}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
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under}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw4\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
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\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
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\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 administrator}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-8\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 in}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 this}{
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in}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs19 
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\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 787Q}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-7\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
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\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Consolidation Act}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 1997. }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Note}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
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\af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 a}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  chargeable excess tax}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 
\fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 in}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
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\fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 may}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 not}{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd-1\expndtw-5\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \fs19\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 be}{
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\hich\af0\dbch\af31505\loch\f0 your}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd8\expndtw42\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Personal}{\rtlch\fcs1 
\ai\af0 \ltrch\fcs0 \i\expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Fund}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\expnd2\expndtw14\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Threshold}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 in}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 accordance}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 with}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 section}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 787P}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw14\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Taxes}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd2\expndtw13\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Consolidation}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd8\expndtw44\charscalex102\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Act}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw18\insrsid6561926 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 1997?}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 
\par }\pard \ltrpar\s19\ql \li5348\ri0\nowidctlpar\tx6677\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin5348\itap0\pararsid79021 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1024\langfe1024\noproof\insrsid15288794 
{\shpgrp{\*\shpinst\shpleft8853\shptop-93\shpright9377\shpbottom259\shpfhdr0\shpbxpage\shpbxignore\shpbypara\shpbyignore\shpwr3\shpwrk0\shpfblwtxt1\shpz22\shplid2178{\sp{\sn groupLeft}{\sv 8853}}{\sp{\sn groupTop}{\sv -93}}{\sp{\sn groupRight}{\sv 9377}}
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\dpfillfgcr255\dpfillfgcg255\dpfillfgcb255\dpfillbgcr0\dpfillbgcg0\dpfillbgcb0\dpfillpat1\dplinehollow\dppolygon\dppolycount4\dpptx508\dppty7\dpptx15\dppty7\dpptx15\dppty14\dpptx508\dppty14\dpx0\dpy0\dpxsize524\dpysize352
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\dpfillfgcr255\dpfillfgcg255\dpfillfgcb255\dpfillbgcr0\dpfillbgcg0\dpfillbgcb0\dpfillpat1\dplinehollow\dpendgroup\dpx0\dpy0\dpxsize0\dpysize0}}}
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{\sp{\sn pSegmentInfo}{\sv 2;12;16384;45824;1;45824;1;45824;1;45824;1;45824;24577;32768}}{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}
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\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 NO
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\par {\listtext\pard\plain\ltrpar \s3 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\lang6153\langfe6153\charscalex102\langfenp6153\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 6.\tab}}\pard\plain \ltrpar\s3\qj \fi-678\li832\ri153\sl284\slmult1
\nowidctlpar\tx833\wrapdefault\nocwrap\nooverflow\faauto\ls5\outlinelevel2\rin153\lin832\itap0\pararsid79021 \rtlch\fcs1 \ab\af0\afs22\alang1025 \ltrch\fcs0 \b\fs22\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {
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\expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \loch\af0\dbch\af31505\hich\f0 \endash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{
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\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw12\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
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\expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 Commissioners.}{\rtlch\fcs1 \ab0\af0 \ltrch\fcs0 \b0\insrsid6561926 
\par }\pard\plain \ltrpar\s19\ql \li0\ri0\sb11\nowidctlpar\wrapdefault\nocwrap\nooverflow\faauto\rin0\lin0\itap0\pararsid79021 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang6153\langfe6153\loch\af0\hich\af0\dbch\af31505\cgrid\langnp6153\langfenp6153 {
\rtlch\fcs1 \ab\af0\afs25 \ltrch\fcs0 \b\fs25\insrsid6561926 
\par {\listtext\pard\plain\ltrpar \s19 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd0\expndtw-1\lang6153\langfe6153\charscalex102\langfenp6153\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 7.\tab}}\pard \ltrpar\s19\qj \fi-678\li832\ri150\sl282\slmult1
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\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 directly}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw6\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
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 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0 necessary,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
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\ltrch\fcs0 \expnd0\expndtw2\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6561926 \hich\af0\dbch\af31505\loch\f0 under}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw3\insrsid6561926 \hich\af0\dbch\af31505\loch\f0  }
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Note:    It has been agreed with the Revenue Commissioners that, where professional added years have been awarded as part of your pension benefits on retirement, they will be used to enhance your Personal Fund Threshold, if you already have one, or will r
\hich\af0\dbch\af31505\loch\f0 ender you eligible to make a late application for a PFT at that stage. In either case, your public sector pension fund administrator can adv\hich\af0\dbch\af31505\loch\f0 
ise you of what the capital value of your public sector pension would have been at 1st January 2014 at your salary and service levels at that date, when you revised to take account of your actual professional added years award. You can then apply to Reven
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