Cyber Elder Fraud Guide - Spanish Version

Page 1


!"#$"%&'()"#$"*+*,

!"#$%&'()'(*)+'%,'"-./()'(*&'"/0/1(1$2%'(3%/4)'( 5.2'%"6,.-$(/(7'%1$"/1(8/9$%'1 -./."0.#)1.')1(2"3"4.5(#"0.56.'"3"7./.825.9."-&.':;5.(/('"<%&'$=

!"#$%&'()'*+,(#--$./'0'1,+2$-$%,-$./'3&4#/$2,+$,'5&-,6 -./."0.#)1.')1(2"3""7./.825.9."-&.':;5.(/('"3"4.5(#"0.56.'"3">/?"@(25$AA$"B':$A) 0)25."" <D/.'EA.8()'"F"G9H$/"G)66&'(89"I':.:$6$'8"D$.6=

!"#$%&'#&'%(")&"$#(*

"#$%&'(!)(!*)+(&,(#-./!)(!*'(#/0/1!1%2&(!3&/4)(!5.2(&#6,.-%!/!7(&1%#/1!8/9%&(1 ::::::: ; "#).-(!)(!-%#,(#.)%1 :::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::

;:!<(14'(#!)(!=/!/'(#/0/:::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::

>:!?($.#.-.@#A!B4.6#(1!1%#!=%1!-.2(&!'/9%&(1 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::

C:!D.E%1!)(!$&/4)(!F/2.,4/=(1 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::

G:!"'E/-,%1 :::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::

3.#/#-.(&%1 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::

71.-%=@H.-%1

J%-./=:::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::

I:!5@'%!)(,(-,/&=% ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::

K:!5@'%!(+.,/&=% ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::

L:!<(-%'(#)/-.%#(1 :::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::

/:!7/&/!=%1!'/9%&(1 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::

2:!7/&/!%&H/#.0/-.%#(1!M4(!E&(1,/#!1(&+.-.%1!/!E(&1%#/1!'/9%&(1 ::::::::::::::::::::::::::

-:!7/&/!$/'.=./&(1!9!/'.H%1 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::

N:!?@#)(!9!-@'%!)(#4#-./&!4#!$&/4)(!-.2(&#6,.-%!/!E(&1%#/1!'/9%&(1 :::::::::::::::::::::

B46!.#-=4.&!(#!=/!)(#4#-./ ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::

+,'-&*./&"'#&'01'1/&"121

IA"J/.&#$"2(H$/'K8(2)"."6.9)/$E"$E"&'.".6$'.L."2/$2($'8$"M&$"E$".;/)1$25."#$"A."J.A8."#$" J.6(A(./(#.#"9"2)'J(.'L."#$"A)E".#&A8)E"6.9)/$E";./."/)H./"#('$/)")"('J)/6.2(N'";$/E)'.A" &8(A(L.'#)"6$#()E"#(:(8.A$E?"IA"2)E8$"J('.'2($/)";./."A.E"1O28(6.E"$E".E8/)'N6(2)?"-."PJ(2('." Q$#$/.A"#$"R'1$E8(:.2(N'"<QSR="('J)/6N"&'.";K/#(#."#$"6TE"#$"U"VWX"6(A"6(AA)'$E"."#$A(8)E" /$A.2()'.#)E"2)'"A."2(H$/'K8(2."E)A)"$'"*+*VW"&'"$')/6$".&6$'8)"#$A"YYZ"2)'"/$E;$28)".A".[)" .'8$/()/"\Y]?

3,'4&5$"$%$6"7'8.$9"&*'*("'0(*'%$:&; /1<(;&*

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

G./.28$/OE8(2.E"2)6&'$E`

• 768,9)2$:,-$./'($;$2,6'6$4$2,(,< -."J.A8."#$"$_;)E(2(N'W"J)/6.2(N'W 9".;)9) 8$6;/.')W"9" A)E"/T;(#)E"2.6H()E"8$2')AN:(2)E";&$#$'"2/$./"A.:&'.E"#$"2)')2(6($'8)"$'"A.E" ;)HA.2()'$E"#$"6.9)/"$#.#?"IE8."J.A8."#$"/$2)')2(6($'8)")"2)6;/$'E(N'";&$#$W"."E&"1$LW" 5.2$/A$E"6TE"1&A'$/.HA$E".A"$':.[)"\*]?

• 7$=6,4$)/2&'=&-$,6<'-.E";$/E)'.E"6.9)/$E";&$#$'"1(1(/"E)A.E")".A$a.#.E"#$"E&"J.6(A(.?" ^('"&'."('8$/.22(N'"/$:&A./")"A."E&;$/1(E(N'"#$";$/E)'.E"#$"2)'J(.'L.W"."6$'&#)"')"5.9" '.#($";/$E$'8$";./."/$2)')2$/"&'"2)6;)/8.6($'8)"E)E;$25)E)"9"#$8$'$/A)".'8$E"#$"M&$" ;/):/$E$"\*W!]

• >)2)+$&+&'-&;/$2$?&< -.";K/#(#."#$"6$6)/(."9")8/)E";/)HA$6.E";&$#$'".J$28./".A"a&(2()"9" ."A."8)6."#$"#$2(E()'$EW"A)"M&$"J.2(A(8."('JA&(/"$'"A)E"6.9)/$E"E('"M&$"E$"#$'"2&$'8."#$"M&$" $E8T'"E($'#)"$E8.J.#)E"\V]?

• !=2,9$6$(,('8$/,/-$)+,< @&25.E";$/E)'.E"6.9)/$E"8($'$'"6TE"/$2&/E)E"J('.'2($/)E"M&$" A)E"aN1$'$E?"-."6.9)/O."E)'"a&H(A.#)E"2)'";$'E()'$EW".5)//)E")"2.;(8.A"('6)H(A(./()W"A)" M&$"A$E"2)'1($/8$"$'")Ha$8(1)E".8/.28(1)E";./."A)E"$E8.J.#)/$E"\*]?

• 5&='4,0&+)='=#)6)/'=)+'4@='-&/8$,(&=< -)E"$E8&#()E"#$6&$E8/.'"M&$"A.E";$/E)'.E" 6.9)/$E"E$"H.E.'"$'"A.E";/(6$/.E"(6;/$E()'$E"#$"J(.H(A(#.#"('J$/(#.E"#$"A.E"E$[.A$E" J.2(.A$E"E('"('2A&(/"('J)/6.2(N'"J(.HA$"."6TE"A./:)";A.L)W"2)6)"$A"2)6;)/8.6($'8)W A)"M&$" A$E".H/$"A.E";&$/8.E"."A.E"$E8.J.E"\X]?

=,'>$?(*'#&'5;1.#&'@1:$).10&*

-)E"$E8.J.#)/$E"E&$A$'"5.2$/E$";.E./";)/"J(:&/.E"#$"2)'J(.'L."9"#$E.//)AA./"/$A.2()'$E"."A./:)" ;A.L) ;./."$E8.HA$2$/"2/$#(H(A(#.#?"b&$#$'"5.2$/E$";.E./";)/".:$'8$E"#$"E);)/8$"8K2'(2)W" J&'2()'./()E"#$A":)H($/')")"('2A&E)"J.6(A(./$E";./."H.a./"A.":&./#(."#$A")Ha$8(1)";)8$'2(.A"9" )H8$'$/".22$E)"."('J)/6.2(N'"E$'E(HA$"\YW*W,]?"

-)E"$E8.J.#)/$E";/$E()'.'"."A)E".'2(.')E";./."M&$".28c$'"2)'"/.;(#$L";./."$1(8./"#$8$'2()'$EW" 6&A8.E")";./."d.9&#./d"."&'"E$/"M&$/(#)"6$#(.'8$"8T28(2.E"#$"6($#)"9";/$E(N'?"IE8."E$'E.2(N'"#$" &/:$'2(."$6;&a."."A)E"6.9)/$E"."8)6./"#$2(E()'$E"/T;(#.E"E('"1$/(J(2.2(N'"\YW*W,]?"

!"#$"%&'()"#$"*+*,

@&25.E"$E8.J.E"2)6($'L.'"."8/.1KE"#$"AA.6.#.E"9"6$'E.a$E"8$A$JN'(2)E"')"E)A(2(8.#)EW"2)//$)E" $A$28/N'(2)E"#$";5(E5(':W"E(8()E"e$H"J.AE)EW".A$/8.E"$6$/:$'8$E"M&$";./$2$'"A$:O8(6.E"9"$'" ;A.8.J)/6.E"#$"/$#$E"E)2(.A$E?"IE8.E"5$//.6($'8.E"E$"&8(A(L.'";./.")H8$'$/"('J)/6.2(N'";$/E)'.A")" $':.[./"."A.E";$/E)'.E"6.9)/$E";./."M&$"J.2(A(8$'".22$E)")"/$.A(2$'";.:)E"\*W,]?"

-)E"$E8.J.#)/$E"#(/(:(#)E".";$/E)'.E"6.9)/$E";&$#$'"$6;A$./"&')")"1./()E"#$"A)E"E(:&($'8$E"8(;)E" #$"$E8.J.E`

• !=2,8,'+&4@/2$-,< -)E"$E8.J.#)/$E"E$"5.2$'";.E./";)/";./$a.E"/)6T'8(2.E"('8$/$E.#.E" ;./."$_;A)8./"A.E"2)'$_()'$E"$6)2()'.A$E"9"$E8.HA$2$/"A."2)'J(.'L.W".&6$'8.'#)"A." ;/)H.H(A(#.#"#$"2&6;A(6($'8)"\*]?

• !=2,8,'()6'=)+?$-$&'2A-/$-&<'-)E"$E8.J.#)/$E"E$"5.2$'";.E./";)/"E);)/8$"8K2'(2)";./." $':.[./"."A.E";$/E)'.E"6.9)/$E"9"2)'E$:&(/"M&$"A$E"#$'".22$E)"/$6)8)";./."E)A&2()'./" J.AE)E";/)HA$6.E"('J)/6T8(2)E"\*]?

• !=2,8,'()'6&=',9#)6&=< -)E"$E8.J.#)/$E"E$"5.2$'";.E./";)/"&'"J.6(A(./"M&$"'$2$E(8."#('$/)" &/:$'8$6$'8$"\*]?

• !=2,8,'()'=#%6,/2,-$./'()6';&9$)+/&<'-)E"$E8.J.#)/$E"E$"5.2$'";.E./";)/"$6;A$.#)E"#$A" :)H($/')"9"$_(:$'"#('$/)".6$'.L.'#)"2)'".//$E8)E")";/)HA$6.E"A$:.A$E"\*]?

• !=2,8,='()'=&+2)&=B'-,+$(,('&'6&2)+C,<'-)E"$E8.J.#)/$E"E$"5.2$'";.E./";)/")/:.'(L.2()'$E" A$:O8(6.E"9"A$E"#(2$'"M&$"5.'":.'.#)"&'";/$6()"M&$";&$#$'"2)H/./"."2.6H()"#$"&'." d2)6(E(N'd"\*]?

• !=2,8,'()'+)%,+,-$&/)='(&4A=2$-,=< -)E"$E8.J.#)/$E"2)H/.'";)/".#$A.'8.#)";)/" /$;./.2()'$E"#)6KE8(2.E"M&$"$'"/$.A(#.#"'&'2."5.2$'"\*]?

• !=2,8,'%&+'+,($&'&'2)6)?$=$./< -)E"$E8.J.#)/$E"&8(A(L.'".'&'2()E"J.AE)E";./.";/)6)2()'./" E$/1(2()E"/$.A$E"2)6)"5(;)8$2.E"('1$/E.E")"/$;./.2(N'"#$"2/K#(8)E"\*]?

• !=2,8,'()'8,4$6$,+)=D-#$(,(&+)=< Q.6(A(./$E")"2)')2(#)E"#$"2)'J(.'L."A$E"$_;A)8.'" $2)'N6(2.6$'8$")"A$E"/)H.'"#$"2&.AM&($/")8/."J)/6."\*]?

• !=2,8,'()'=)+?$-$&='%E96$-&=< -)E"$E8.J.#)/$E".J(/6.'"M&$"2)/8./T'"A."A&L")"$A".:&."." 6$')E"M&$"E$"/$.A(2$"&'";.:)"('6$#(.8)"\,]?

• !=2,8,'()')/2+);,<'^$";(#$"."A)E".'2(.')E"M&$";/);)/2()'$'"('J)/6.2(N'";$/E)'.A")"#$" ;.:)";./."A."$'8/$:."#$"&'";.M&$8$"J.AE)"\,]?

• !=2,8,'-&/'2,+F)2,='+);,6&< -)E"$E8.J.#)/$E"('JA&9$'"."A)E"6.9)/$E";./."M&$"2)6;/$'" 8./a$8.E"/$:.A)"9"2)6;./8.'"A)E"2N#(:)E"2)6)"J)/6."#$";.:)")";./.".9&#./"."&'"d.6(:)d" \,]

• A,'!/?1%)(*

!"#$#%"&'()

-)E".#&A8)E"6.9)/$E"M&$"E)'"1O28(6."#$"J/.&#$E"2(H$/'K8(2)E"E&J/$'";K/#(#.E"6)'$8./(.E" #$E;/);)/2()'.#.6$'8$":/.'#$E"$'"2)6;./.2(N'"2)'"A.E"1O28(6.E"6TE"aN1$'$EW";)/M&$"."6$'&#)"

!"#$"%&'()"#$"*+*,

5.'".2&6&A.#)".5)//)E"#&/.'8$"6&25)E".[)E"9"8($'$'";)2)"8($6;)";./."/$2&;$/./E$"\!]?"^)A)"$'" *+*VW"A.E"$E8.J.E"#(/(:(#.E".";$/E)'.E"#$"!+".[)E")"6TE"2.&E./)'"6TE"#$"V?X++"6(AA)'$E"#$" #NA./$E"$'";K/#(#.EW"&'".&6$'8)".;/)_(6.#)"#$A"YYZ"2)'"/$E;$28)".A".[)".'8$/()/"\*]?"^$:c'"$A" IE8&#()"E)H/$"^.A&#"9"%&H(A.2(N'"#$"*+Y!W"$'8/$"$A"*Wf"Z"9"$A"!W!"Z"#$"A)E".#&A8)E"6.9)/$E" #$2A././)'"5.H$/"E&J/(#)"&'"J/.&#$"J('.'2($/)"$'"A)E"cA8(6)E"Y*"6$E$EW"9"A)E"$E8.J.#)E"8($'#$'"." ;$/#$/"6TE"#('$/)"$'";/)6$#() M&$"A.E"1O28(6.E"6TE"aN1$'$E"\f]?"-)E"J/.&#$E"."8/.1KE"#$"2$'8/)E" #$".8$'2(N'"8$A$JN'(2."<;)/"$a$6;A)W"E);)/8$"8K2'(2)"9"E&;A.'8.2(N'"#$"(#$'8(#.#="E&;)'$'"6TE"#$" ,gh"6(AA)'$E"#$"#NA./$E"$'";K/#(#.E";./."A.E"1O28(6.E"6.9)/$E"#$"!+".[)EW"A)"M&$"(A&E8/."2N6)" A.E");$/.2()'$E"E$A$28(1.E";&$#$'"2.'.A(L./":/.'#$E"E&6.E"#$"#('$/)"$'8/$"A.E";)HA.2()'$E"#$" $#.#".1.'L.#."\g]?

+)"%(,-."%()

@TE".AAT"#$A"#.[)"6)'$8./()W"A.E"1O28(6.E"#$"J/.&#$"E&$A$'"$_;$/(6$'8./"(6;)/8.'8$E" 2)'E$2&$'2(.E"$6)2()'.A$E?"@&25.E"6.'(J($E8.'"E$'8(6($'8)E"#$"(/.W"(//(8.2(N'"9"1$/:i$'L.".A" #./E$"2&$'8."#$"M&$"5.'"E(#)"$':.[.#.EW"$6)2()'$E"M&$";&$#$'"2)'#&2(/"."2&A;./E$"."&')"6(E6) \h]?"-)E".#&A8)E"6.9)/$E"M&$";($/#$'"J)'#)E"2)'E(#$/.HA$E"2)//$'"&'"6.9)/"/($E:)"#$"E&J/(/" #$;/$E(N'W"8/.E8)/')"#$"$E8/KE";)E8/.&6T8(2)W".'E($#.#":$'$/.A(L.#."9"#(E6('&2(N'"#$A"H($'$E8./" :$'$/.AW"A)"M&$";&$#$".:/.1./"A)E";/)HA$6.E"2):'(8(1)E")"#$"E.A&#"$_(E8$'8$E"\!]?"-)E"$E8&#()E" 8.6H(K'"('#(2.'"M&$"A.E"1O28(6.E"#$"$#.#".1.'L.#."E&$A$'"/$8/.$/E$"E)2(.A6$'8$"<9."E$.";)/" 1$/:i$'L.")";)/"6($#)"."&'."6.9)/"$_;A)8.2(N'=W"A)"M&$";/)1)2."E$'8(6($'8)E"#$".(EA.6($'8)"9" &'."6$')/"2.A(#.#"#$"1(#."\Y+]?

/(%"$,

IA"J/.&#$"2(H$/'K8(2)".";$/E)'.E"6.9)/$E"E&$A$"$/)E()'./"A."2)'J(.'L."#$'8/)"#$"A.E"J.6(A(.E"9"A.E" 2)6&'(#.#$E?"-.E"1O28(6.E";&$#$'"#$E2)'J(./"#$".6(:)E"O'8(6)EW";./($'8$E"A$a.')E")" ;/)1$$#)/$E"#$"E$/1(2()EW"2/$9$'#)"<."1$2$E"$//N'$.6$'8$="M&$".A:&($'"M&$"2)')2$'"$E"2N6;A(2$" \!WYY]?"IE8.";K/#(#."#$"2)'J(.'L.";&$#$"8$'E./"A.E"/$A.2()'$E"J.6(A(./$EW"9."M&$"A.E"J.6(A(.E" A&25.'";)/"5.2$/"J/$'8$".A"$E8(:6.".E)2(.#)"."A."$_;A)8.2(N'"$2)'N6(2."\YY]?"-.E"2)6&'(#.#$E" M&$".8($'#$'"."A)E".#&A8)E"6.9)/$E"8.6H(K'"('2&//$'"$'":.E8)E".A";/);)/2()'./".E$E)/.6($'8)W" .E(E8$'2(."a&/O#(2."9"E$/1(2()E"E)2(.A$E";./.".;)9./"."A.E"1O28(6.E"$'"E&"/$2&;$/.2(N'W"#$E1(.'#)" /$2&/E)E"#$")8/)E";/):/.6.E"\YY]?"B#$6TEW"2&.'#)"A)E"J/.&#$E".":/.'"$E2.A."E.A$'"."A."A&LW" ;&$#$'"6('./"A."2)'J(.'L."$'"A.E"('E8(8&2()'$E"<;)/"$a$6;A)W"H.'2)E 9";/)1$$#)/$E"#$" 8$A$2)6&'(2.2()'$E=";$/2(H(#.E"2)6)"/$E;)'E.HA$E"#$"')";/)8$:$/"."A)E"2A($'8$E"1&A'$/.HA$E"\Y]?

B,'C6/('#&)&%)1;0(

-)E"$E8.J.#)/$E"E&$A$'"E$:&(/";.8/)'$E";/$#$2(HA$E?"^$/"2.;.L"#$"/$2)')2$/"$E8.E"H.'#$/.E"/)a.E" 2)6&'$E"$E"$A";/(6$/";.E)";./."#$8$'$/"$A"J/.&#$".'8$E"#$"M&$"E$";/)#&L2.?"IE8K".8$'8)"."A.E" E(:&($'8$E"E$[.A$E`

Y? b)'$/E$"$'"2)'8.28)"2)'"&E8$#"E('".1(E./A$"'("$_;A(2./A$"M&(K'$E"E)'W"#N'#$"8/.H.a.'"9";)/" M&K"'$2$E(8.'"E&".9&#.j('J)/6.2(N'"\Y*]?

*? -$"6$8$'";/(E.";./."M&$"8)6$"&'."#$2(E(N'")".28c$"#$"('6$#(.8)"2&.'#)"E$"8/.8."#$" 2)6;./8(/"('J)/6.2(N'";$/E)'.A"E)H/$"&E8$#")"#$".2$;8./"&'"8/.8)"\Y*]?

V? k8(A(L./"E.A&#)E":$'K/(2)E"$"('J)/6.2(N'"#$"2)'8.28)"1.:.W"9."E$."('J)/6.2(N'":$'K/(2." E)H/$"8(")"('J)/6.2(N'":$'K/(2."E)H/$"$AA)E"\Y*]?

X? PJ$/8.E"#$6.E(.#)"H&$'.E";./."E$/"2($/8.E"<$EM&$6.E"#$"$'/(M&$2(6($'8)"/T;(#)="\Y*]? ,? G)6;./8(/"$'A.2$E"M&$"2)'8$':.'";$M&$[.E"#(J$/$'2(.E")/8):/TJ(2.E?"<k8(A(L./"'c6$/)E"$'" A&:./"#$"A$8/.EW")"1(2$1$/E.="\Y*]?

!? @.A.":/.6T8(2."&")/8):/.JO."#$"d;/)J$E()'.A$Ed"M&$".J(/6.'"8/.H.a./";./."&'." )/:.'(L.2(N'W".:$'2(.")"E$/1(2()"8K2'(2)"A$:O8(6)E"\Y*]?

f? ^)A(2(8&#"#$"6K8)#)E"#$";.:)"E)E;$25)E)E"<2)6)"8./a$8.E"/$:.A)W"l$'6)W"2.E5".;;W"4$AA$W" 8/.'EJ$/$'2(."H.'2./(.")"#('$/)";)/"2)//$)="\Y*]?

g? B28(1(#.#"J('.'2($/."('$E;$/.#.W"2)6)"E&6.E"M&$"J.A8.'")"8/.'E.22()'$E"#$E2)')2(#.E?

h? ^)A(2(8&#"#$"('J)/6.2(N'";$/E)'.A")"J('.'2($/.";)/"2)//$)"$A$28/N'(2)")"8$AKJ)')"\Y*]? Y+? I1.#(/";/$:&'8.E"M&$"A$E"$_(a.'"#)2&6$'8.2(N'")J(2(.A";./."1$/(J(2./"E&"(#$'8(#.#"\Y*]?

D,'C6/('&E$)1;0(

Y? m&'2."2)6;./8.E"('J)/6.2(N'";$/E)'.A")"J('.'2($/.";)/"8$AKJ)')W"2)//$)"$A$28/N'(2)")" 6$'E.a$"#$"8$_8)?

*? b(#."#)2&6$'8.2(N'"9"2&$E8()'$"A.E"E)A(2(8&#$E"('&E&.A$E"\YV]?

V? ^($6;/$"1$/(J(M&$"2)'"E&"('E8(8&2(N'"A$:O8(6."E("$A"2)'8.28)/"#(2$"E$/"#$"$E."('E8(8&2(N'" \YV]?

X? b/$E8.".8$'2(N'"."A.E"E$[.A$E"#$".A./6.W"2)6)"A."&/:$'2(.W"A."6.A.":/.6T8(2.W"A)E"$'A.2$E" $_8/.[)E")"A)E"6K8)#)E"#$";.:)"E)E;$25)E)E"\YV]?

,? D$':."2&(#.#)"2)'"A)"M&$"2)6;./8$"$'"$A"R'8$/'$8W"('2A&E)"$'"A.E"/$#$E"E)2(.A$E?

!? >$E8/&9."A)E"#)2&6$'8)E"2)'J(#$'2(.A$E"M&$"2)'8$':.'"('J)/6.2(N'"E)H/$"E&"2&$'8." H.'2./(.W"#.8)E";$/E)'.A$EW"$82?"\YV]?

f? 0$1(E$"/$:&A./6$'8$"A.E"8/.'E.22()'$E"#$"E&"2&$'8."H.'2./(."9"E&E"('J)/6$E"#$"2/K#(8)" \YV]?

g? R'JN/6$E$"9"$#&M&$"."E&E"E$/$E"M&$/(#)E?

h? 0$;)/8$ 2&.AM&($/".28(1(#.#"E)E;$25)E.?

Y+? m)"8$':.E"6($#)"#$";$#(/"2)'E$a)"9j)".9&#.n

!"#$"%&'()"#$"*+*,

F,'-&%(/&"#1%$("&*

G.#."&')"#$E$6;$[."&'";.;$A"#(E8('8)"$'"A.";/$1$'2(N'"#$A"2(H$/J/.&#$"."A.E";$/E)'.E"6.9)/$E?" -.E"E(:&($'8$E"#(/$28/(2$E")J/$2$'"&'"2.6(')"2A./)";./."M&$"2.#.":/&;)".9&#$".";/)8$:$/"9" .;)9./"."A)E".#&A8)E"6.9)/$E?

!"#$!%!#&'(#)!*'%+(

Y? !G,4$/)'6,='66,4,(,='0'6&='-&++)&=')6)-2+./$-&=< D/.8$"2)'"#$E2)'J(.'L."A.E"AA.6.#.EW" 6$'E.a$E"#$"8$_8)")"2)//$)E"$A$28/N'(2)E"')"E)A(2(8.#)E?"^(".A:&($'"#(2$"E$/"#$"&'.".:$'2(." :&H$/'.6$'8.A")"#$"&'"H.'2)W"2&$A:&$"9"1$/(JOM&$A)";)/"E$;./.#)"&8(A(L.'#)"E&" ('J)/6.2(N'"#$"2)'8.28)")J(2(.A"\YXWY,]?

*? 1,#=,'0'?)+$8$-,<'^("&'"'c6$/)"')"E)A(2(8.#)"E$"5.";&$E8)"$'"2)'8.28)"2)'8(:)W"')"8$" .;/$E&/$E"."5.2$/"8/.8)E"'("."J.2(A(8./"('J)/6.2(N'";$/E)'.A?"0$1(E$"2&(#.#)E.6$'8$" M&(K'$E"E)'?"S&EM&$"A.E")/:.'(L.2()'$E"."A.E"M&$"#(2$'";$/8$'$2$/W"AA.6$"."A.E"AO'$.E"#$" .E(E8$'2(.")J(2(.A$E"9"&8(A(2$"E(8()E"e$H"J(.HA$E?"B"A)E"$E8.J.#)/$E"A$E":&E8."2/$./"&'." E$'E.2(N'"#$"&/:$'2(.";./."M&$"&E8$#".28c$"/T;(#)"9"E('";/$E8./".8$'2(N'?

V? !?$2)'6&='%,;&='$/#=#,6)=< m&'2.":(/$"#('$/)W"2)6;/$"8./a$8.E"/$:.A)"'("$'1O$"'.#." 6)'$8./()".";$/E)'.E"M&$"')"2)')2$")"#$"A.E"M&$"')"$E;$/."'.#.?"-.E")/:.'(L.2()'$E" A$:O8(6.E"')"E$";)'#/T'"$'"2)'8.28)"2)'"&E8$#"$_(:(K'#)A$"&'";.:)"."&'."#(/$22(N'" #$E2)')2(#.?

X? H$;$6)'=#='-#)/2,='9,/-,+$,=< G)6;/&$H$"2)'"J/$2&$'2(."9"/$:&A./(#.#"A)E"$_8/.28)E"#$" E&"8./a$8."#$"2/K#(8)W"$A"5(E8)/(.A"#$"8/.'E.22()'$E"9"$A"E.A#)"#$"E&"2&$'8."H.'2./(.?"^("1$" .A:)"E)E;$25)E)W"HA)M&$$"E&"2/K#(8)")".28(1$"&'.".A$/8."#$"J/.&#$"('6$#(.8.6$'8$"\Y,]? ,? !=2,96):-,'-&/2,-2&='()'-&/8$,/:,<'R#$'8(J(M&$"&')")"#)E";&'8)E"#$"2)'8.28)"<;&$#$"E$/" &'"J.6(A(./")"&'".6(:)="M&$";&$#.'".9&#./A$"."$_.6('./"E)A(2(8&#$E"('&E&.A$E".'8$E"#$" .28&./?

!? I,/2A/;,=)'$/8&+4,(&< -."2(H$/E$:&/(#.#"$E8T"$'"2)'E8.'8$"$1)A&2(N'W".A"(:&.A M&$"A.E" $E8.J.E"2(H$/'K8(2.E"<;)/"$a$6;A)W"(6;)E8)/$E"#$A":)H($/')W"AA.6.#.E"#$"E);)/8$"8K2'(2)")" $E8.J.E"#$"1)L":$'$/.#.E";)/"RB=?"@.'8$'8$".A"#O."('J)/6T'#)8$"2)'E8.'8$6$'8$"9" .;/$'#($'#)"E)H/$"$E8.E"8T28(2.E"#$"J&$'8$E"J(.HA$E? f? J/8&+4)'()',-2$?$(,()='=&=%)-K&=,=< ^("E)E;$25."#$"&'."$E8.J.W"#$'c'2($A.?"I'2)'8/./T" 6TE"('J)/6.2(N'"E)H/$"2N6)"#$'&'2(./"&'.".28(1(#.#"E)E;$25)E."$'"A."E(:&($'8$"E$22(N'" 8(8&A.#."d>N'#$"9"2N6)"#$'&'2(./"&'"J/.&#$"2(H$/'K8(2)".";$/E)'.E"6.9)/$Ed"\YX]?

,"#$!%!#'%-!./0!1/'.+(#23+#4%+(5!.#(+%6/1/'(#!#4+%('.!(#)!*'%+(

Y? !(#-,+'0'()8)/()+< PJ/$L2."9".'&'2($"8.AA$/$E"E)H/$"$E8.J.E"2)6&'$EW"E$[.A$E"#$" .#1$/8$'2(."9"E$:&/(#.#"e$H"."A)E"M&$";&$#.'".E(E8(/"A)E"6.9)/$E?"Q.2(AO8$A$E"A."HcEM&$#." #$")/($'8.2(N'W".E$E)/.6($'8)"$"('J)/6.2(N'".A"/$E;$28)?

*? 1+&%&+-$&/)',=$=2)/-$,'2A-/$-,'-&/2+,')6'8+,#()<'PJ/$L2.".9&#.";./.";/)8$:$/"E&E" #(E;)E(8(1)E"9"2)'J(:&/./"A)E";./T6$8/)E"#$";/(1.2(#.#?"G)A.H)/$"2)'"A)E"H.'2)E";./." $E8.HA$2$/".A$/8.E"#$"J/.&#$"9".9&#$"."A)E"6.9)/$E"."$A(6('./"2./:)E"')".&8)/(L.#)E?

V? L8+):-,',0#(,')=%)-C8$-,'-&/2+,')6'8+,#()'-$9)+/A2$-&<'-.E"$E8.J.E")2&//$'"('2A&E)"2)'" ;/$1$'2(N'?"R'#$;$'#($'8$6$'8$"#$"A."$#.#W"A.E"1O28(6.E"#$A"2(H$/J/.&#$";&$#$'"E$'8(/E$" .1$/:)'L.#.EW";)/"A)"M&$"')"#$'&'2(.'"9"$A"J/.&#$"2)'8('c.?">(E;)':."#$"&'"E(E8$6." E$:&/)"#$"#$'&'2(.W".E(:'$"&'.";$/E)'."#$"2)'8.28)"9";)':."$'"2)'8.28)"."A)E"6.9)/$E" M&$";&$#.'"E$/")Ha$8)"#$"2(H$/J/.&#$"2)'".9&#."A$:.A")"J('.'2($/.?

1"#$!%!#7!)/&/!%+(#*#!)/-'(

Y? I,/2)/;,',9$)+2,'6,'-&4#/$-,-$./<'o.HA$"/$:&A./6$'8$"#$"A.E"AA.6.#.EW"2)//$)E" $A$28/N'(2)E")"E)A(2(8&#$E"E)E;$25)E.E"E('"$6(8(/"a&(2()E?"o.9"M&$".'(6./"."A.E";$/E)'.E" 6.9)/$E"."M&$"('J)/6$'"#$"2&.AM&($/"2)E."J&$/."#$"A)"')/6.A";./.";)#$/"/$E)A1$/"a&'8)E" $A";)E(HA$"J/.&#$"\Y,]?

*? M)8#)+-)'6,'=);#+$(,('()'6&='($=%&=$2$?&=<'B28(1$"A."2)'J(:&/.2(N'"#$"E$:&/(#.#W" (6;A$6$'8$"HA)M&$.#)/$E"#$".'&'2()EW"('E8.A$".'8(1(/&E"9"2)'J(:&/$"A.".&8$'8(2.2(N'" 6&A8(J.28)/"2&.'#)"E$.";)E(HA$W".#$6TE"#$"$'E$[./A$E"."2)'J(:&/./A."9"&8(A(L./A."\Y,]?

V? N),'#/'%#/2&'()'-&/2,-2&'()'-&/8$,/:,< >$a$"M&$"A.E";$/E)'.E"6.9)/$E";&$#.'";)'$/E$" $'"2)'8.28)"2)'"&E8$#";./."2)'J(/6./"E)A(2(8&#$E"(6;/$1(E8.E?"G)'"&'"E$:&'#)";./"#$")a)E" ;&$#$'"$1(8./E$"$//)/$E"2)E8)E)E"\Y,]?

X? 70#()'-&/'6,'()/#/-$,'0'6,'+)-#%)+,-$./< ^("E$";/)#&2$"&'"J/.&#$W".9&#$".";/$E$'8./" #$'&'2(.EW")J/$L2.".;)9)"$6)2()'.A"9".9&#$"2)'"A."#)2&6$'8.2(N'?"

B&'M&$"2.#.":/&;)";&$#$"8)6./"6$#(#.E"E(:'(J(2.8(1.E";./."/$#&2(/"$A"/($E:)"#$"J/.&#$" 2(H$/'K8(2)"."A.E";$/E)'.E"6.9)/$EW"A)E"$EJ&$/L)E"2))/#('.#)E"8$a$'"&'."/$#"#$"E$:&/(#.#"6&25)" 6TE"J&$/8$W"M&$"')"ENA)".9&#.".";/$1$'(/"A."$_;A)8.2(N'W"E(')"M&$"8.6H(K'".;)9."A."/$2&;$/.2(N'" 2&.'#)"E$";/)#&2$"$A"J/.&#$?

G,'46"#&'<'%6/('#&"."%$1;'."'5;1.#&'%$:&;"9)$%('1'?&;*("1*'/1<(;&* k'."#$'&'2(."8$6;/.'."9"$_5.&E8(1."6._(6(L."A.E";)E(H(A(#.#$E"#$"/$2&;$/./"A)E"J)'#)E"/)H.#)E" 9".9&#."."A.E"J&$/L.E"#$"E$:&/(#.#"."A)2.A(L./"."A)E".&8)/$E?"B 2)'8('&.2(N'W E$"('#(2.'"A)E" 2.'.A$E";/('2(;.A$E"."8/.1KE"#$"A)E"2&.A$E";&$#$"#$'&'2(./E$"$A"J/.&#$".";$/E)'.E"6.9)/$E`

OP 5C/),'($+)-2,'/,-$&/,6'-&/2+,')6'8+,#()','%)+=&/,='4,0&+)='QR,2$&/,6'!6()+'S+,#(' T&26$/)U

.? N$2$&'V)9< )12?)a;?:)1 H? *)6A8&/&< gVV Vf* gVYYW"#$"A&'$E"."1($/'$EW"#$"Y+".?6?"."!";?6?"ID

2? N)+?$-$&=`"b/);)/2()'."&'".#6('(E8/.#)/"#$"2.E)E"$E;$2(.A(L.#)"M&$".9&#."."A.E" 1O28(6.E"."('J)/6./"."A.E".:$'2(.E"J$#$/.A$EW"$E8.8.A$E"9"A)2.A$Ep")J/$2$"/$2&/E)E"#$" .;)9)"$6)2()'.A"$"('#$6'(L.2(N'"."A.E"1O28(6.E?

#?

J($&4,=< ^$/1(2()E"#(E;)'(HA$E"$'"(':AKEW"$E;.[)A"9")8/)E"(#()6.E"."E)A(2(8&#?

012*"#%,1"'*&# ,$*3&#1#%"$

• >,2&='%)+=&/,6)=< m)6H/$W"$#.#W"#.8)E"#$"2)'8.28)"9"2&.AM&($/"A(6(8.2(N'"2):'(8(1.?

• >,2&='()6')=2,8,(&+<'m)6H/$"<E("E$"2)')2$=W"'c6$/)E"#$"8$AKJ)')W"#(/$22()'$E"#$"2)//$)"

$A$28/N'(2)W"#(/$22(N'";)E8.A")"2&.AM&($/"(6.:$'j:/.H.2(N'"#$"AA.6.#.?

• J/8&+4,-$./'8$/,/-$)+,<'Q$25.EW"2.'8(#.#$E"8/.'EJ$/(#.EW"'c6$/)E"#$"2&$'8.W"6K8)#)E"#$" ;.:)"<8/.'EJ$/$'2(."H.'2./(.W"8./a$8.E"/$:.A)W"2/(;8)6)'$#.=W"9"2&.AM&($/"/$2(H)"#$" 8/.'E.22(N'?

• M);$=2+&='()'-&4#/$-,-$./<'G);(.E"#$"2)//$)E"$A$28/N'(2)EW"6$'E.a$E"#$"8$_8)W":&()'$E" #$"AA.6.#.E"#$"1)L")"2.;8&/.E"#$";.'8.AA."#$"('8$/.22()'$E"$'"/$#$E"E)2(.A$E?

• *)=2$;&=<'m)6H/$E"9"#.8)E"#$"2)'8.28)"#$"2&.AM&($/"J.6(A(./W"1$2(')")"2&(#.#)/"M&$" ;&$#."5.H$/")HE$/1.#)"&'.".28(1(#.#"E)E;$25)E.?

• I)($(,=',(&%2,(,=<'G&.AM&($/"6$#(#."9."8)6.#."<;)'$/E$"$'"2)'8.28)"2)'"E&"H.'2)W" 2)6;/)H./"A.E".:$'2(.E"#$"2/K#(8)W"2)A)2./".A$/8."#$"J/.&#$W"2)':$A./"2&$'8.E=?

H,'I:;1*'%$)1#1*

\Y] QSR?"<*+*XW"B;/(A"V+=?"IA#$/"J/.&#W"('"J)2&E?"QSR?"588;E`jjeee?JH(?:)1j'$eEjE8)/($Ej$A#$/ J/.&# (' J)2&E"

\*] IA#$/"J/.&#"3"Q$#$/.A"S&/$.&")J"R'1$E8(:.8()'?"<'?#?=?"588;E`jjeee?JH(?:)1j5)e e$ 2.' 5$A; 9)&jE2.6E .'# E.J$89j2)66)' J/.&#E .'# E2.6Ej$A#$/ J/.&#

\V] %.6$EW"S?">?W"S)9A$W"b?"B?W"F"S$''$88W">?"B?"<*+YX=?"4(''&,$5&)*(6*)1)%&75"8","59*5(*)%$:)* "#*(,3&'*$31,5)*;"5<(15*3&:&#5"$?"%)&/'.A")J"$A#$/".H&E$"F"'$:A$28?" 588;E`jj;62?'2H(?'A6?'(5?:)1j./8(2A$Ejb@GVhY!h,gj"

\X] o)/8.W"@?W"^5)$'J$A8W"B?W"-(:585.AAW"m?"0?W"b$/$LW"I?W"Q/.L($/W"R?W"o$$6Eq$/qW"B?W"-('W"D?W" 7(AE)'W"0?"G?W"F"IH'$/W"m?"G?"<*+*XW"%.'&./9"*=?"B:$C:/)&;"#(JJ$/$'2$E"('"8/&E8C/$A.8$#" #$2(E()' 6.q(':".'#"A$./'(':?"m.8&/$"m$eE?"588;E`jjeee?'.8&/$?2)6j./8(2A$EjEXY,hg +*V ,+,++ _"

!"#$"%&'()"#$"*+*,

\,] %?b?"@)/:.'?"<*+*XW"P28)H$/"YX=?"o$A;"$A#$/A9"F"1&A'$/.HA$"J.6(A9".1)(#"E2.6E`"%?b?" @)/:.'?"o$A;"IA#$/A9"F"l&A'$/.HA$"Q.6(A9"B1)(#"^2.6E"3"%?b?"@)/:.'?" 588;E`jjeee?a;6)/:.'?2)6j('E(:58EjJ/.&#jJ/.&# 6(8(:.8()'j5$A;(': 9)&/ $A#$/A9 .'# 1&A'$/.HA$ A)1$# )'$E .1)(# 85$ E2.66$/E""

\!]

\f]"

=<&*%(#>&')$5"(#?*@'&*(,3&'*$31,5)*:('&*>1,#&'$8,&*5(*)%$:)A?"D5$"G)'1$/E.8()'`"B/$" )A#$/".#&A8E"6)/$"1&A'$/.HA$"8)"E2.6Er"m$eE"3"k'(1$/E(89")J"QA)/(#.?"<'?#?=?" 588;E`jj'$eE?&JA?$#&j*+*Xj+!j)A#$/ .#&A8E 1&A'$/.HA$ 8) E2.6Ej"

0.25$A"I?"@)/:.'W"^&E.''.5"m?"D.;;W"<'?#?=?"BC$:"#"#.*6"#$#%"$,*6'$13*$.$"#)5*(,3&'* $31,5)?"m.8()'.A"R'E8(8&8$")J"%&E8(2$?"588;E`jj'(a?)a;?:)1j8);(2Ej./8(2A$Ej$_.6('(':C J('.'2(.A J/.&# .:.('E8 )A#$/ .#&A8E"

\g] RGV"QSR?"<*+*X=?"*+*V"I->I0"Q0Bk>"0IbP0D?"

588;E`jjeee?(2V?:)1jB''&.A0$;)/8j0$;)/8Ej*+*VsRGVIA#$/Q/.&#0$;)/8?;#J" \h] t$6;W"^?W"F"I/.#$E"bK/$LW"m?"<*+*VW"B;/(A",=?"4(#)1:&'*6'$13*$.$"#)5*(,3&'*$31,5)*"#* 3"."5$,*)(%"&59?*BC$:"#"#.*>"%5":"D$5"(#*$#3*"5)*":7$%5?"R'8$/'.8()'.A"a)&/'.A")J"

$'1(/)'6$'8.A"/$E$./25".'#";&HA(2"5$.A85?"

588;E`jj;62?'2H(?'A6?'(5?:)1j./8(2A$Ejb@GY++hX,,,"

\Y+]

IH'$/W"m?"G?W"b$5A(1.'):A&W">?W"F"^5)$'J$A8W"B?"<*+*V=?"!"#$#%"$,*6'$13*$#3*3&%&75"(#*"#* $."#.?"B#1.'2$E"('":$/(.8/(2"6$#(2('$".'#"/$E$./25?"

588;E`jj;62?'2H(?'A6?'(5?:)1j./8(2A$Ejb@GY+!!*fh*j"

\YY] E(1'*.1"3&*5(*%3)F*:(#&9*:$'G&5*$#3*"'$*$%%(1#5)?"l.AA$9?2)6?"<'?#?=?"

588;E`jjeee?1.AA$9?2)6j;$/E)'.Aj('E(:58EjE$2&/(89 .'# J/.&#j$A#$/ J/.&# 85$ 5(##$' A('q H$8e$$'CJ('.'2(.ACJ/.&#C.'#C$A#$/C.H&E$"

\Y*] 7./'(':"E(:'E")J"$A#$/"J('.'2(.A".H&E$?"<'?#?=?"588;E`jj#J(?e.?:)1jJ('.'2(.AC $#&2.8()'j('J)/6.8()'je./'(': E(:'E $A#$/ J('.'2(.A .H&E$u`v`8$_8wk';.(#Z*+H(AAE?W)'Z*+25$2qEZ*GZ*+)/Z*+)&8/(:58Z*+J)/:$/9"

\YV]

B":&(#$"8)"E.J$:&./#(':"E$'()/E"J/)6"G9H$/"D5/$.8E?"<'?#?C.=?" 588;E`jjeee?.6$/(2.'H./?)/:j:/)&;EjE$'()/sA.e9$/Ej/$E)&/2$Ej1)(2$C)JC$_;$/($'2$j*+*XC .;/(Aj. :&(#$ 8) E.J$:&./#(': E$'()/E J/)6 29H$/ 85/$.8Ej"

\YX]" H ;$9)*9(1*%$#*$>("3*6$,,"#.*>"%5":*5(*$*7$9:&#5*)%$:?"o)e"G.'"^$'()/E"B1)(#"b.96$'8" ^2.6Er"<'?#?=?"588;E`jjeee?'2).?)/:j./8(2A$j5)e 8) .1)(# .' )'A('$ E2.6j

\Y,] +'(5&%5"#.*(,3&'*$31,5)*6'(:*6'$13*$#3*6"#$#%"$,*&C7,("5$5"(#?"G)'E&6$/"Q('.'2(.A" b/)8$28()'"S&/$.&?"<'?#?=?"588;E`jjeee?2)'E&6$/J('.'2$?:)1j2)'E&6$/ 8))AEj$#&2.8)/ 8))AEj/$E)&/2$E J)/ )A#$/ .#&A8Ej;/)8$28(': .:.('E8 J/.&#j"

!"#$"%&'()"#$"*+*,

\Y!]

%.E('Eq(W"B?"<*+*XW"P28)H$/"X=?"I())&#*'&7('5)?*J<$5*<$77&#)*;<&#*9(1*'&7('5*6'$13*5(* 5<&*!=4K*<(;*5(*.&5*:(#&9*8$%G?"tIDl?"588;E`jjeee?q$81?2)6j./8(2A$j/$;)/8(': J/.&# J82 (6;.28j!*,YV*gV

Turn static files into dynamic content formats.

Create a flipbook
Issuu converts static files into: digital portfolios, online yearbooks, online catalogs, digital photo albums and more. Sign up and create your flipbook.