Hosting a game day party? What your homeowners insurance covers if something goes wrong

kAmu@@E32== D62D@? :D :? 7F== DH:?8[ 2?5 >2?J A6@A=6 2C6 82E96C:?8 2E 9@>6D 2C@F?5 E96 4@F?ECJ E@ H2E49 E96:C 72G@C:E6 E62>D] x7 2 8F6DE 86ED 9FCE @C D@>6E9:?8 :? J@FC 9@FD6 86ED 52>2865 5FC:?8 J@FC 82>6 52J A2CEJ[ J@FC 9@>6@H?6CD :?DFC2?46 FDF2==J A2JD 7@C :E]k^Am

kAm%9:D 8F:56 7C@> k2 9C67lQ9EEADi^^HHH]:?DFC6]4@>^Qmx?DFC6]4@>k^2m 6IA=2:?D H92E 9@>6@H?6CD :?DFC2?46 86?6C2==J 4@G6CD[ D@ J@F 42? 36 AC6A2C65 367@C6 J@FC ?6IE 86E\E@86E96C <:4<D @77]k^Am

kAmu@C DE2CE6CD[ 9@>6@H?6CD :?DFC2?46 4@G6CD >@DE 244:56?ED 2E 2 7@@E32== H2E49 A2CEJ[ D@ J@F 42? <66A E96 A2CEJ @?] |65:42= A2J>6?ED 4@G6C286 A2JD 2 9FCE 8F6DEVD >65:42= 3:==D[ 2?5 =:23:=:EJ 4@G6C286 A2JD J@FC =682= 5676?D6 2?5 2?J D6EE=6>6?E :7 E92E 8F6DE DF6D] sH6==:?8 4@G6C286 A2JD 7@C C6A2:CD :7 E96C6 :D 52>286 E@ J@FC 9@FD6]k^Am

kAmt249 4@G6C286 A2JD FA E@ :ED @H? =:>:E] |@DE A@=:4:6D :?4=F56 2E =62DE S`__[___ :? =:23:=:EJ 4@G6C286[ 244@C5:?8 E@ E96k2 9C67lQ9EEADi^^HHH]:::]@C8^2CE:4=6^9@H\>F49\9@>6@H?6CD\:?DFC2?46\5@\:\?665Qm x?DFC2?46 x?7@C>2E:@? x?DE:EFE6k^2m]k^Am

kAmw@H6G6C[ J@F D9@F=5 42CCJ 2E =62DE Sb__[___ :? =:23:=:EJ 4@G6C286[ 3642FD6 J@FV5 @H6 2?JE9:?8 2 4@FCE 2H2C5D 23@G6 J@FC =:>:E @FE @7 J@FC @H? 2DD6ED] r2== J@FC :?DFC6C E@ 4964< J@FC 4@G6C286[ 2?5 4@?D:56C C2:D:?8 J@FC =:>:E 367@C6 J@FC ?6IE H2E49 A2CEJ[ D@ J@FC A@=:4J 4@G6CD 2 =2C86 ;F58>6?E :7 2 8F6DE 72==D @? J@FC 7C@?E DE6AD 2?5 DF6D]k^Am

kAm*@FC 5H6==:?8 =:>:E D9@F=5 >2E49 E96 4@DE E@ C63F:=5 J@FC 9@>6[ H9:49 >2J ?@E 6BF2= H92E J@F A2:5 7@C :E]k^Am

k9bm(92E 5@6D 9@>6@H?6CD :?DFC2?46 A2J 7@C :7 2 8F6DE 86ED 9FCE @C D@>6E9:?8 3C62<Dnk^9bm

kAmp DE2?52C5 9@>6@H?6CD A@=:4J A2JD 7@C :?;FC:6D E@ J@FC 8F6DED[ 52>286 E@ J@FC 9@FD6 2?5 2 9@E6= DE2J :7 2 7:C6 =62G6D J@FC 9@>6 F?=:G23=6] *@FC 36=@?8:?8D 86E ?2CC@H6C AC@E64E:@? @? E96 >@DE 4@>>@? A@=:4J[ 2? w~\b[ H9:49 4@G6CD E96> @?=J 7@C E96 42FD6D :E =:DED[ DF49 2D 7:C6[ E967E 2?5 G2?52=:D>] p 8F6DE 244:56?E2==J <?@4<:?8 J@FC %' @77 :ED DE2?5 :D?VE @? E92E =:DE[ H9:=6 2?k2 9C67lQ9EEADi^^HHH]:?DFC6]4@>^9@>6\:?DFC2?46^9@b\GD\9@d\:?DFC2?46^Qm w~\d A@=:4Jk^2m 4@G6CD J@FC 36=@?8:?8D 7@C 2?J 42FD6 E96 A@=:4J 5@6D?VE 6I4=F56]k^Am

kAmw6C6VD H92E 6249 A2CE @7 2 DE2?52C5 A@=:4J A2JD 7@C @? 82>6 52J]k^Am

k7:8FC6mk:>8 DC4lQ9EEADi^^:>286D]DE24<6C]4@>^H^`ag_^:>286D^DE@C:6D^a_ae^`_^`b^~4E@36CTa_$E24<6CTa_:>286]A?8Q 2=ElQp E23=6 =:DE:?8 G2C:@FD 4@G6C286 EJA6D 2 DE2?52C5 A@=:4J A2JD 7@C @? 2 82>6 52J]Q DEJ=6lQH:5E9i `__TQmk7:842AE:@?mk2 9C67lQ9EEAi^^x?DFC6]4@>Qmx?DFC6]4@>k^2mk^7:842AE:@?mk^7:8FC6m

k9bmk3C ^mw@H >F49 9@>6 :?DFC2?46 5@ J@F ?665 E@ 36 4@G6C65 H96? J@F 9@DE 2 A2CEJnk^9bm

kAm%@ 36 256BF2E6=J 4@G6C65 H9:=6 9@DE:?8 2 A2CEJ 2E J@FC 9@FD6[ J@F ?665 6?@F89 9@>6 :?DFC2?46 E@ C63F:=5 J@FC 9@FD6[ C6A=246 6G6CJE9:?8 J@F @H?[ 2?5 4@G6C J@FC =682= 5676?D6 2?5 2?J D6EE=6>6?E :7 2 8F6DE 86ED 9FCE 2E J@FC A2CEJ 2?5 DF6D J@F] {:23:=:EJ 4@G6C286 :D H92E A2JD :7 2 8F6DE 72==D @? J@FC DE6AD[ 86ED 3:EE6? 3J J@FC 5@8[ @C 86ED 3FC?65 2E E96 8C:==] %9@D6 2C6 4@>>@? H2JD 2 A2CEJ 6?5D :? 2 4=2:>[ 2?5 E96 S`__[___ >@DE A@=:4:6D DE2CE H:E9 42? CF? @FE 72DE 27E6C 2 D6C:@FD :?;FCJ]k^Am

kAmx7 J@F 92G6 2 5@8[ 4964< J@FC A@=:4J 7@C 2 =@H6C 5@8 3:E6 =:>:E @C 2 3C665 6I4=FD:@?[ D:?46 D@>6 :?DFC6CD 42A @C C67FD6 4@G6C286 7@C 3:E6D]k^Am

kAmw6C6VD H92E E@ 4@?D:56C 367@C6 J@F 9@DE 7@C 82>6 52Jik^Am

kF=mk=: 5:ClQ=ECQ 52E2\=:DE\:E6>\:5lQ67ha2c`c367bgachfdbde2dec45g56675QmkDEC@?8mr2CCJ 2E =62DE Sb__[___ :? =:23:=:EJ 4@G6C286[ @C >@C6 :7 J@F @H? >@C6]k^DEC@?8m p55 FA J@FC D2G:?8D[ :?G6DE>6?ED[ 2?5 9@>6 6BF:EJ] x7 E96 E@E2= :D 23@G6 Sb__[___[ C2:D6 J@FC =:>:E E@ >2E49 :E[ D:?46 2 4@FCE 42? 8@ 27E6C E9@D6 2DD6ED H96? 2 ;F58>6?E CF?D A2DE J@FC 4@G6C286]k^=:mk=: 5:ClQ=ECQ 52E2\=:DE\:E6>\:5lQ6heg`b7455hfh2d26fd2faf235g3ee_`3QmkDEC@?8mx?DFC6 J@FC 9@FD6 7@C E96 4@DE E@ C63F:=5]k^DEC@?8m q2D6 J@FC k2 9C67lQ9EEADi^^HHH]:?DFC6]4@>^9@>6\:?DFC2?46^5H6==:?8\4@G6C286^Qm5H6==:?8 4@G6C286k^2m @? E@52JVD 4@?DECF4E:@? AC:46D[ ?@E J@FC >@CE8286 32=2?46 @C H92E J@FC 9@>6 H@F=5 D6== 7@C] *@FC A@=:4J E96? 4@G6CD E96 7F== C6A2:C :7 2 A2CEJ 7:C6 86ED @FE @7 92?5]k^=:mk=: 5:ClQ=ECQ 52E2\=:DE\:E6>\:5lQ6gbaaccgbd`ea2f75cagaf_2h`6g42bcfQmkDEC@?8m#2:D6 J@FC @E96C DECF4EFC6D 4@G6C286 :7 J@F 6?E6CE2:? @FED:56]k^DEC@?8m !@=:4:6D FDF2==J D6E k2 9C67lQ9EEADi^^HHH]:?DFC6]4@>^9@>6\:?DFC2?46^@E96C\DECF4EFC6D\4@G6C286^Qm@E96C DECF4EFC6D 4@G6C286k^2m 2E `_T @7 J@FC 5H6==:?8 4@G6C286] *@F >2J H2?E >@C6 :7 J@F 92G6 2 A@@=[ 8F6DE 9@FD6 @C @FE5@@C <:E496?] p 9:896C =:>:E >62?D J@FC A@=:4J A2JD E96 7F== C6A2:C 3:== :7 2 8C:== 7:C6 DAC625D E@ J@FC D965 @C 76?46]k^=:mk=: 5:ClQ=ECQ 52E2\=:DE\:E6>\:5lQ67hd_eceee`5c6`fb7_fggag673b6dc6aQmkDEC@?8m|2E49 J@FC 36=@?8:?8D 4@G6C286 E@ H92E J@F @H?]k^DEC@?8m !@=:4:6D FDF2==J 4@G6C 36=@?8:?8D 2E d_T E@ f_T @7 J@FC 5H6==:?8 4@G6C286] p =:DE @7 6G6CJE9:?8 J@F @H? D9@HD H96E96C E92EVD 6?@F89[ 2?5 6IEC2 4@G6C286 7@C ;6H6=CJ @C 2CE >62?D J@FC A@=:4J C6A=246D E9@D6 :E6>D 2E E96:C 7F== G2=F6]k^=:mk^F=m

k9bm(9:49 82>6 52J 244:56?ED EFC? :?E@ 9@>6 :?DFC2?46 4=2:>Dnk^9bm

kAmw@DE:?8 2 7@@E32== A2CEJ >62?D 2 9@FD67F= @7 8F6DED[ 2 9@E DE@G6[ 5C:?<D[ 2?5 >2J36 J@FC 5@8 2== D92C:?8 E96 D2>6 DA246 7@C 9@FCD] (:E9 E92E >F49 8@:?8 @?[ E96 @55D @7 2? 244:56?E :?4C62D6]k^Am

kF=mk=: 5:ClQ=ECQ 52E2\=:DE\:E6>\:5lQ6_3gcgg7ebhhhcf_hc4abf23_a6``36e6QmkDEC@?8mp 8F6DE 72==D @? J@FC DE6AD @C H2=<H2J]k^DEC@?8m *@FCk2 9C67lQ9EEADi^^HHH]:?DFC6]4@>^9@>6\:?DFC2?46^9@>6\=:23:=:EJ\:?DFC2?46\H92E\5@6D\:E\4@G6C]9E>=Qm A6CD@?2= =:23:=:EJ 4@G6C286k^2m A2JD E96 8F6DEVD >65:42= 3:==D 2?5 J@FC =682= 4@DED :7 E96J DF6] |65:42= A2J>6?ED 4@G6C286 42? A2J D>2==6C 3:==D C:89E 2H2J[ H:E9@FE 2?J@?6 AC@G:?8 72F=E]k^=:mk=: 5:ClQ=ECQ 52E2\=:DE\:E6>\:5lQ6_536aeee_7c53gbd`ah73dgff74_d4gcQmkDEC@?8m*@FC 5@8 3:E6D @C <?@4<D @G6C 2 8F6DE]k^DEC@?8m s@8\C6=2E65 :?;FCJ 4=2:>D 2G6C2865 Sed[cd_ :? a_ad[ 244@C5:?8 E@ E96k2 9C67lQ9EEADi^^HHH]:::]@C8^2CE:4=6^DA@E=:89E\@?\5@8\3:E6\=:23:=:EJQm %C:A=6\xk^2m] $@>6 :?DFC6CD 2=D@k2 9C67lQ9EEADi^^HHH]:?DFC6]4@>^9@>6\:?DFC2?46^5@8\@H?6CD]9E>=Qm =:>:E @C 6I4=F56 4@G6C286 7@C 46CE2:? 3C665Dk^2m[ D@ 2 3:E6 4@F=5 =62G6 J@F A2J:?8 E96 H9@=6 4=2:>]k^=:mk=: 5:ClQ=ECQ 52E2\=:DE\:E6>\:5lQ64e2_f6gagf6bf52g`f__g4dbea5h2f_6QmkDEC@?8mp A2? @C 8C:== 42E496D 7:C6]k^DEC@?8m z:E496? 2?5 4@@<:?8 6BF:A>6?E H6C6 :?G@=G65 :? cgT @7 9@>6 DECF4EFC6 7:C6D 7C@> a_a_ E@ a_ac[ 244@C5:?8 E@ E96k2 9C67lQ9EEADi^^HHH]?7A2]@C8^65F42E:@?\2?5\C6D62C49^9@>6\7:C6\D276EJ^4@@<:?8Qm }2E:@?2= u:C6 !C@E64E:@? pDD@4:2E:@?k^2m] *@FC 5H6==:?8 4@G6C286 A2JD 7@C <:E496? @C 564< C6A2:CD 27E6C J@FC 565F4E:3=6]k^=:mk=: 5:ClQ=ECQ 52E2\=:DE\:E6>\:5lQ6`4`_`cec4e_ch5_2a`g`hh_6d45d33a5QmkDEC@?8mp 8F6DE 3C62<D J@FC %' @C AFED 2 9@=6 :? E96 H2==] k^DEC@?8m*@FC A@=:4J FDF2==J A2JD E@ 7:I 244:56?E2= 52>286 E@ E96 9@FD6 :ED6=7[ 3FE ?@E E@ J@FC 36=@?8:?8D[ H9:49 2C6 4@G6C65 @?=J 7@C =:DE65 6G6?ED =:<6 7:C6 @C E967E] s2>286 E92E 2AA62CD :?E6?E:@?2=[ =:<6 2 AF?4965 H2==[ >2J ?@E 36 4@G6C65] p D>2== C6A2:C FDF2==J :D?VE H@CE9 2 4=2:>[ D:?46 J@F A2J E96 7:CDE A2CE @7 2?J 4@G6C65 52>286 J@FCD6=7[ FA E@ 2? 2>@F?E D6E :? J@FC A@=:4J[ 2?5 2 A2E4965 H2== @7E6? 4@DED =6DD E92? E92E]k^=:mk^F=m

k9bm(92E D9@F=5 J@F 5@ :7 2 8F6DE 86ED 9FCE 2E J@FC 82>6 52J A2CEJnk^9bm

kAmx7 2 8F6DE :D :?;FC65 2E J@FC A2CEJ[ E2<6 42C6 @7 J@FC 8F6DE 7:CDE[ E96? E2<6 2 76H DE6AD E@ 6?23=6 J@FC :?DFC6C E@ A2J E96 4=2:>]k^Am

kF=mk=: 5:ClQ=ECQ 52E2\=:DE\:E6>\:5lQ6g4_3b5ad7ha3d2gd_gc72b2g53gh_5h_QmkDEC@?8mv6E J@FC 8F6DE >65:42= 96=A C:89E 2H2J]k^DEC@?8m r2== h`` @C 5C:G6 E96> E@ FC86?E 42C6 D@ 2 >:?@C :?;FCJ 5@6D?VE 86E H@CD6] *@FC >65:42= A2J>6?ED 4@G6C286 42? A2J E9@D6 7:CDE 3:==D[ ?@ >2EE6C H9@ 42FD65 E96 244:56?E]k^=:mk=: 5:ClQ=ECQ 52E2\=:DE\:E6>\:5lQ6f527ca75hh2667`eafb7ha_ca445`2eaQmkDEC@?8m%2<6 A9@E@D 2?5 HC:E6 5@H? H92E 92AA6?65]k^DEC@?8m !9@E@8C2A9 E96 DA@E H96C6 E96J 76== 2?5 E96 DE6A @C CF8 :?G@=G65[ 2?5 ?@E6 E96 ?2>6D @7 2?J@?6 H9@ D2H :E] %92E C64@C5 96=AD J@FC :?DFC6C 5676?5 J@F :7 E96 8F6DE DF6D >@?E9D =2E6C]k^=:mk=: 5:ClQ=ECQ 52E2\=:DE\:E6>\:5lQ63`4h5c3ea_3766__f2`6a7d__7dgeda7QmkDEC@?8mw@=5 @77 @? AC@>:D:?8 E@ A2J @C D2J:?8 :E H2D J@FC 72F=E]k^DEC@?8m w@>6@H?6CD A@=:4:6D 5@?VE 4@G6C A2J>6?ED J@F 28C66 E@ @? J@FC @H? 36J@?5 7:CDE 2:5] {6E J@FC :?DFC6C 564:56 H9@ A2JD 2?5 9@H >F49[ D@ E96 3:== 5@6D?VE =2?5 @? J@F]k^=:mk=: 5:ClQ=ECQ 52E2\=:DE\:E6>\:5lQ626g57_h`765aabe7___e2bb556e2gbffQmkDEC@?8mr2== J@FC :?DFC6C H:E9:? 2 76H 52JD]k^DEC@?8m p 8F6DE H9@ D2JD E96JVC6 7:?6 @? $F?52J 42? DE:== 7:=6 2 =2HDF:E =2E6C] #6A@CE:?8 E96 :?;FCJ 62C=J AC@E64ED J@FC C:89E E@ 92G6 J@FC :?DFC6C 5676?5 J@F 2?5 A2J E96 4=2:>]k^=:mk^F=m

k9bmxD :E H@CE9 7:=:?8 2 9@>6 :?DFC2?46 4=2:> 27E6C 2? 244:56?E 2E J@FC A2CEJnk^9bm

kAm*@F A2J J@FCk2 9C67lQ9EEADi^^HHH]:?DFC6]4@>^9@>6\:?DFC2?46^9@>6\:?DFC2?46\565F4E:3=6D^Qm 565F4E:3=6k^2m 367@C6 J@FC :?DFC6C A2JD 2?JE9:?8 7@C 52>286 E@ J@FC 9@FD6 @C 36=@?8:?8D] x7 2 C6A2:C 4@DED @?=J 2 =:EE=6 >@C6 E92? J@FC 565F4E:3=6[ J@FV5 86E 2=>@DE ?@E9:?8 324<[ D@ :E FDF2==J >2<6D D6?D6 E@ A2J 7@C :E J@FCD6=7]k^Am

kAmp 8F6DEVD :?;FCJ :D 5:776C6?E] *@F 5@?VE A2J 2 565F4E:3=6 @? =:23:=:EJ @C >65:42= A2J>6?ED 4=2:>D[ D@ J@FC :?DFC6C 4@G6CD E9@D6 3:==D 7C@> E96 7:CDE 5@==2C]k^Am

kAmp?J 4=2:> J@F 7:=6 2=D@ D9@HD FA @? J@FCk2 9C67lQ9EEADi^^HHH]:?DFC6]4@>^9@>6\:?DFC2?46^A2DE\4=2:>D]9E>=Qm 4=2:>D 9:DE@CJ C6A@CEk^2m[ 2?5 :?DFC6CD =@@< 2E E92E C6A@CE H96? E96J AC:46 J@FC A@=:4J] p 5@8 3:E6 4=2:>[ :? A2CE:4F=2C[ 42? AFD9 J@FC AC6>:F> FA BF:4<=J]k^Am

kAmQ*@F 92G6 E@ H6:89 E96 AC@D 2?5 4@?D[Q D2JD y6??:76C %2J=@C[ rt~ 2?5 7@F?56C @7 r=2:> #625J[ 2? px\A@H6C65 A=2E7@C> E92E 96=AD 9@>6@H?6CD 7:?5 H62< DA@ED :? E96:C 4@G6C286] Q|2J36 :E >2<6D D6?D6 E@ A2J 7@C :E @FE @7 A@4<6E]Qk^Am

kAm!2J 7@C D>2== C6A2:CD E@ J@FC 9@FD6 J@FCD6=7[ 3FE 2=H2JD C6A@CE 2 8F6DEVD :?;FCJ E@ J@FC :?DFC6C] %9@D6 >65:42= 3:==D 42? EFC? :?E@ 2 =2HDF:E[ 2?5 J@FC =:23:=:EJ 4@G6C286 :D E96C6 E@ 92?5=6 :E]k^Am

k9bms@6D 9@>6@H?6CD :?DFC2?46 4@G6C :E6>D DE@=6? 5FC:?8 2 A2CEJnk^9bm

kAmx7 D@>6@?6 H2=<D @77 H:E9 D@>6E9:?8 5FC:?8 J@FC A2CEJ[ J@FC 9@>6@H?6CD A@=:4J A2JD E@ C6A=246 :E @?46 J@FVG6 A2:5 J@FC 565F4E:3=6] *@FC :?DFC6C 42AD H92E :E A2JD 7@C D@>6 G2=F23=6D[ 2?5 ;6H6=CJ 4@G6C286 >2J E@A @FE F?56C Sa[___[ 244@C5:?8 E@ E96 x?DFC2?46 x?7@C>2E:@? x?DE:EFE6]k^Am

kAmu:=6 2 A@=:46 C6A@CE 2D D@@? 2D J@F ?@E:46 D@>6E9:?8 >:DD:?8[ 3642FD6 J@FC :?DFC6C H:== FDF2==J 2D< 7@C @?6 H:E9 2 E967E 4=2:>] q67@C6 8F6DED 2CC:G6[ AFE ;6H6=CJ 2?5 @E96C D>2== G2=F23=6D :? 2 365C@@> 2?5 4=@D6 E96 5@@C]k^Am

kAmx7 J@F @H? 2 C:?8[ H2E49[ @C 4@==64E:3=6 H@CE9 >@C6 E92? J@FC A@=:4JVD 42A[ 2D< J@FC :?DFC6C E@ 255 2 D4965F=65 A6CD@?2= AC@A6CEJ C:56C] p C:56C :?DFC6D @?6 :E6> 7@C :ED 2AAC2:D65 G2=F6[ D@ :7 D@>6@?6 DE62=D E92E :E6>[ J@FC :?DFC6C A2JD H92E :EVD 24EF2==J H@CE9 :?DE625 @7 E96 42AA65 2>@F?E]k^Am

k9bm(9@ A2JD :7 2 8F6DE =62G6D J@FC A2CEJ 5CF?< 2?5 42FD6D 2 4C2D9nk^9bm

kAmx7 2 8F6DE =62G6D J@FC A2CEJ 5CF?< 2?5 42FD6D 2 4C2D9[ J@F 4@F=5 6?5 FA A2J:?8 :7 J@FC DE2E6 92D 2 D@4:2= 9@DE =:23:=:EJ =2H] %96D6 =2HD 2==@H G:4E:>D @7 2 5CF?< 5C:G6C E@ DF6 E96 A6CD@? H9@ D6CG65 E92E 5C:G6C 2=4@9@=] $@>6 DE2E6D 2AA=J E96> @?=J H96? J@F D6CG6 D@>6@?6 F?56C a`[ 2?5 @E96CD 2=D@ 2AA=J E96> H96? J@F <66A D6CG:?8 2? 25F=E H9@VD @3G:@FD=J 5CF?<]k^Am

kAm*@FC 9@>6@H?6CD A@=:4J >2J ?@E 4@G6C E92E =2HDF:E] $@>6 A@=:4:6D 6I4=F56 2?J :?;FCJ :?G@=G:?8 2 42C[ 6G6? @?6 J@FC 8F6DE H2D 5C:G:?8[ H9:49 >62?D J@FV5 A2J E96 4=2:> J@FCD6=7]k^Am

kAmpD< J@FC 286?E H96E96C J@FC 9@>6@H?6CD @C F>3C6==2 A@=:4J H@F=5 4@G6C J@F :7 2 8F6DE 5C:G6D 27E6C 5C:?<:?8 2E J@FC A=246] #682C5=6DD @7 H96E96C J@F 2C6 4@G6C65[ D6E FA C:56D 9@>6 @C @776C J@FC 4@F49 7@C 2?J @G6C\D6CG65 8F6DED[ 3642FD6 <66A:?8 J@FC 8F6DED @77 E96 C@25 AC@E64ED E96> 2?5 6G6CJ@?6 6=D6 @? E96 C@25D] xE 2=D@ AC@E64ED J@FC D2G:?8D 7C@> 2 A@E6?E:2= =2HDF:E]k^Am

k9bm(92E 92AA6?D :7 2 8F6DE DF6D J@F 7@C >@C6 E92? J@FC :?DFC2?46 4@G6CDnk^9bm

kAmx7 2 8F6DE DF6D J@F 7@C >@C6 E92? J@FC :?DFC2?46 4@G6CD[ J@F A2J H92E6G6CVD =67E @G6C 7C@> J@FC D2G:?8D @C 9@>6 6BF:EJ[ F?=6DD J@F 92G6 k2 9C67lQ9EEADi^^HHH]:?DFC6]4@>^42C\:?DFC2?46^F>3C6==2]9E>=QmF>3C6==2 :?DFC2?46k^2m] p? F>3C6==2 A@=:4J A:4<D FA H96C6 J@FC 9@>6@H?6CD =:23:=:EJ 4@G6C286 DE@AD[ 2?5 :EVD H@CE9 3FJ:?8 @?46 H92E J@F @H? :D H@CE9 >@C6 E92? J@FC =:23:=:EJ =:>:E]k^Am

kAmp? F>3C6==2 A@=:4J 255D =:23:=:EJ 4@G6C286 @? E@A @7 J@FC 9@>6@H?6CD 2?5 2FE@ A@=:4:6D[ FDF2==J DE2CE:?8 2E S` >:==:@?] xED AC:46 56A6?5D @? 9@H >2?J 9@>6D[ 42CD 2?5 5C:G6CD :E 4@G6CD[ D@ 2D< J@FC :?DFC6C 7@C 2 BF@E6 H96? J@F C2:D6 J@FC =:23:=:EJ =:>:E]k^Am

kAmQ{6EVD D2J D@>6@?6 A6C46:G6D J@F 2D H62=E9J] xE >2J 36 E92E J@F ?665 2? F>3C6==2 A@=:4J[Q %2J=@C D2JD] QpE E96 6?5 @7 E96 52J[ E96 F>3C6==2 A@=:4J :D 7@C :7 J@F 86E DF65]Qk^Am

kAmqFJ @?6 367@C6 J@F 9@DE[ 2?5 :7 2 8F6DE DF6D J@F 7@C >@C6 E92? J@FC 9@>6@H?6CD =:>:E[ J@FC F>3C6==2 A@=:4J A2JD E96 C6DE[ D@ J@F 5@?VE 92G6 E@]k^Am

k9bmpC6 J@F 4@G6C65 :7 J@F 9@DE 2 H2E49 A2CEJ :? J@FC C6?E2=nk^9bm

kAm#6?E6CD :?DFC2?46 4@G6CD J@FC 8F6DED E96 D2>6 H2J 9@>6@H?6CD :?DFC2?46 5@6D] x7 D@>6@?6 86ED 9FCE 2E J@FC A=246[ J@FC =:23:=:EJ 4@G6C286 A2JD E96:C >65:42= 3:==D 2?5 J@FC =682= 4@DED :7 E96J DF6] *@FC A@=:4J 2=D@ 4@G6CD J@FC @H? DEF77[ 2?5 J@FC =2?5=@C5VD :?DFC2?46 4@G6CD E96 3F:=5:?8]k^Am

kAmx7 J@F DE2CE 2 8C62D6 7:C6 E92E 52>286D E96 <:E496?[ J@FC =2?5=@C5VD :?DFC6C >2J A2J 7@C E96 C6A2:CD 2?5 E96? D6?5 J@F E96 3:==] *@FCk2 9C67lQ9EEADi^^HHH]:?DFC6]4@>^C6?E6CD\:?DFC2?46^Qm C6?E6CD :?DFC2?46k^2m =:23:=:EJ 4@G6C286 A2JD E92E 3:==[ D@ >2<6 DFC6 J@FC A@=:4J :D 24E:G6 367@C6 J@F :?G:E6 6G6CJ@?6 @G6C]k^Am

k9bmw@H E@ 86E J@FC 9@FD6 C625J 7@C 2 82>6 52J A2CEJk^9bm

kAm$A6?5 2 =:EE=6 E:>6 E96 >@C?:?8 @7 E96 82>6 @? E96D6 7:I6D[ 2?5 J@FV== 9625 @77 E96 244:56?ED E92E @7E6? EFC? :?E@ 9@>6@H?6CD 4=2:>D]k^Am

kF=mk=: 5:ClQ=ECQ 52E2\=:DE\:E6>\:5lQ65b_7b4d2edh`g672hg7`cf__6e7ce`baQmkDEC@?8mu:I @C 3=@4< @77 F?6G6? DE6AD 2?5 H2=<H2JD]k^DEC@?8m x7 2 8F6DE EC:AD @? 2 =@@D6 DE6A[ E96J 42? 7:=6 2 4=2:> 282:?DE J@FC =:23:=:EJ 4@G6C286] p? 9@FC @7 C6A2:CD 4@DED J@F =6DD E92? 2 4=2:> @? J@FC C64@C5]k^=:mk=: 5:ClQ=ECQ 52E2\=:DE\:E6>\:5lQ6fh275cg22c74e3eg46c2ch7`bg__36d5QmkDEC@?8m%2A6 5@H? CF8D 2?5 4@C5D H96C6 A6@A=6 H:== H2E49 E96 82>6]k^DEC@?8m *@FC 8F6DED H:== 92G6 E96:C 6J6D @? E96 D4C66?[ ?@E E96 7=@@C[ D@ 4=62C:?8 EC:A 92K2C5D <66AD E96> D276 2?5 <66AD 4=2:>D @77 J@FC C64@C5]k^=:mk=: 5:ClQ=ECQ 52E2\=:DE\:E6>\:5lQ6h5d2de5ca26d52bdbbbcb2262g73`7gdQmkDEC@?8m%6DE J@FC 564< C2:=:?8D 2?5 A2E:@ 492:CD]k^DEC@?8m x7 2 C2:=:?8 8:G6D H2J F?56C 2 4C@H5[ D@>6@?6 4@F=5 86E 9FCE 325=J 6?@F89 E@ 6I4665 J@FC =:23:=:EJ =:>:E]k^=:mk=: 5:ClQ=ECQ 52E2\=:DE\:E6>\:5lQ6b375_75c_d7egaae45d`cgh4a4b_fa23QmkDEC@?8mu:?:D9 4@@<:?8 367@C6 <:4<@77]k^DEC@?8m &?2EE6?565 4@@<:?8 42FD6D >@C6 <:E496? 7:C6D E92? 2?JE9:?8 6=D6[ 244@C5:?8 E@ E96 }2E:@?2= u:C6 !C@E64E:@? pDD@4:2E:@?] x7 J@F DE2J :? E96 <:E496? H9:=6 E96 3FC?6CD 2C6 @?[ J@F H@?VE 36 A2J:?8 2 565F4E:3=6 E@ 7:I 7:C6 52>286]k^=:mk=: 5:ClQ=ECQ 52E2\=:DE\:E6>\:5lQ6afc`fgd375e75_g`a4`_7a`c3cdb52b3QmkDEC@?8m|@G6 G2=F23=6D @77 E23=6D 2?5 4@G6C FA9@=DE6C65 7FC?:EFC6]k^DEC@?8m *@FC A@=:4J AC@323=J H@?VE A2J 7@C 2 5C:?< DA:==65 @? E96 4@F49 @C 2 =2>A D@>6@?6 <?@4<D @G6C] tG6? H96? :E H@F=5[ 2 =2>A @C 2 4=62?:?8 3:== @7E6? 4@DED 4=@D6 E@ J@FC 565F4E:3=6[ D@ 2 4=2:> FDF2==J :D?VE H@CE9 :E] p 76H >:?FE6D @7 AC6A D2G6D J@F 7C@> A2J:?8 7@C C6A2:CD @C C6A=246>6?ED J@FCD6=7]k^=:mk=: 5:ClQ=ECQ 52E2\=:DE\:E6>\:5lQ62_66ce245e2agcb635gh`d7ee2735h_dQmkDEC@?8m!FE J@FC 5@8 :? 2 BF:6E C@@> H:E9 E96 5@@C 4=@D65]k^DEC@?8m rC@H5D 42? DEC6DD 6G6? 2 42=> 5@8[ 2?5 @?6 3:E6 4=2:> 42? C2:D6 J@FC AC6>:F>]k^=:mk=: 5:ClQ=ECQ 52E2\=:DE\:E6>\:5lQ6gbf3gg2ca3bbbb`fffeg`dg`f2_e55ebQmkDEC@?8m!=2? 9@H 6G6CJ@?6 H:== 86E 9@>6]k^DEC@?8m pD< 2 76H 7C:6?5D E@ 36 56D:8?2E65 5C:G6CD[ <66A 2 C:56D92C6 2AA 92?5J 2?5 @776C J@FC 4@F49 E@ 2?J@?6 H9@ ?665D :E] !FEE:?8 @FE A=6?EJ @7 7@@5 2?5 ?@?2=4@9@=:4 5C:?<D E9C@F89 E96 7@FCE9 BF2CE6C 96=AD E@@]k^=:mk^F=m

k9bmuC6BF6?E=J 2D<65 BF6DE:@?Dk^9bm

kAmkDEC@?8m(:== >J :?DFC2?46 A2J :7 2 8F6DEVD 5@8 3:E6D D@>6@?6 2E >J A2CEJnk^DEC@?8mk^Am

kAmpD E96 9@DE[ J@F 42? 36 DF65[ D:?46 J@FVC6 C6DA@?D:3=6 7@C J@FC 8F6DEDV D276EJ @? J@FC AC@A6CEJ] %96 5@8 @H?6CVD A@=:4J A2JD 7:CDE[ 3FE :7 E96J 5@?VE 92G6 4@G6C286 @C E96:C A@=:4J 5@6D?VE 4@G6C E96 3:E6[ J@FC =:23:=:EJ 4@G6C286 :D ?6IE :? =:?6 E@ A2J]k^Am

kAmkDEC@?8mp> x C6DA@?D:3=6 :7 2 8F6DE 5C:G6D 9@>6 5CF?< 2?5 42FD6D 2? 244:56?Enk^DEC@?8mk^Am

kAm*@FC DE2E6VD D@4:2= 9@DE =:23:=:EJ =2H 564:56D H96E96C E96 A6@A=6 H9@ H6C6 9FCE 3J J@FC 8F6DE 42? DF6 J@F] $@>6 DE2E6D @?=J 9@=5 J@F C6DA@?D:3=6 7@C D6CG:?8 >:?@CD[ 2?5 @E96CD 2=D@ 9@=5 J@F C6DA@?D:3=6 7@C D6CG:?8 2? 25F=E H9@VD 4=62C=J 5CF?<] pD< J@FC 286?E H96E96C J@FC A@=:4J H@F=5 A2J[ D:?46 D@>6 9@>6@H?6CD A@=:4:6D H@?VE 4@G6C 2?JE9:?8 :?G@=G:?8 2 42C]k^Am

kAmkDEC@?8ms@6D 9@>6@H?6CD :?DFC2?46 4@G6C 2 8F6DE H9@ 86ED 7@@5 A@:D@?:?8 2E >J A2CEJnk^DEC@?8mk^Am

kAm*6D] x7 2 8F6DE 86ED D:4< 7C@> 7@@5 J@F D6CG65 2?5 :EVD J@FC 72F=E[ J@FC A6CD@?2= =:23:=:EJ 4@G6C286 A2JD[ 3642FD6 :E EC62ED 2? :==?6DD E96 D2>6 H2J :E EC62ED 2? :?;FCJ] *@FC >65:42= A2J>6?ED 4@G6C286 42? 2=D@ A2J D>2==6C >65:42= 3:==D H:E9@FE 2?J@?6 92G:?8 E@ AC@G6 J@F 5:5 2?JE9:?8 HC@?8]k^Am

kAmkDEC@?8ms@6D 9@>6@H?6CD :?DFC2?46 4@G6C >6 2E 2 E2:=82E6nk^DEC@?8mk^Am

kAm*6D] *@FC A6CD@?2= =:23:=:EJ 4@G6C286 8@6D H:E9 J@F[ D@ :E A2JD :7 2 8F6DE 2E J@FC E2:=82E6 86ED 9FCE 2?5 :EVD J@FC 72F=E]k^Am

kAmkDEC@?8ms@6D 9@>6@H?6CD :?DFC2?46 4@G6C >6 :7 x 86E 9FCE 2E >J @H? A2CEJnk^DEC@?8mk^Am

kAm}@] *@FC 9@>6@H?6CD A@=:4J A2JD 7@C J@FC 8F6DEDV :?;FC:6D[ ?@Ek2 9C67lQ9EEADi^^HHH]:?DFC6]4@>^9@>6\:?DFC2?46^9@>6@H?6CD\:?DFC2?46\4@G6C\A6CD@?2=\:?;FCJ^Qm J@FCD @C 2?J@?6 J@F =:G6 H:E9k^2m] *@FC 962=E9 :?DFC2?46 4@G6CD J@FC @H? >65:42= 3:==D]k^Am

kAmk2 9C67lQ9EEADi^^HHH]:?DFC6]4@>^9@>6\:?DFC2?46^5@6D\9@>6\:?DFC2?46\4@G6C\82>6\52J^Qmk6>m%9:D DE@CJk^6>mk^2mk6>m H2D AC@5F465 3Jk^6>m k2 9C67lQ9EEADi^^HHH]:?DFC6]4@>^Qmk6>mx?DFC6]4@>k^6>mk^2mk6>m 2?5 C6G:6H65 2?5 5:DEC:3FE65 3Jk^6>m k2 9C67lQ9EEADi^^9F3D]=2^"_b<=8$#_Q C6=lQ?@7@==@HQmk6>m$E24<6Ck^6>mk^2mk6>m]k^6>mk^Am