April 1, 2016 April 1, 2016 | Page 3

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ªV SUHVFULSWLRQ2IWKDWSHUFHQW RI VHQLRUV ZLWK UHSRUWHG RSLRLG &16 RU GHSUHVVDQW XVH  SHUFHQW KDYH XVHG WKHVH GHSHQGHQF\ IRUPLQJ VXEVWDQFHV ZLWKLQWKHODVWGD\V ,QGDWDUHYHDOHGZLWKLQ WKH7RZQRI3LWWVEXUJSHUFHQW RIWKHWKJUDGHUVZHUH§RIIHUHG VROG RU JLYHQ DQ LOOHJDO GUXJ RQ VFKRRO SURSHUW\ E\ VRPHRQH GXULQJWKHSDVWPRQWKV¨$OVR LQ3LWWVEXUJSHUFHQWRIWK JUDGHUVXVHGDSUHVFULSWLRQGUXJ VXFK DV 2[\&RQWLQ 3HUFRFHW 9LFRGLQ $GGHUDOO 5LWDOLQ RU ;DQD[ ZLWKRXW D SK\VLFLDQªV SUHVFULSWLRQ ,6+&ª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ªV ODZ HQIRUFHPHQW DFWLYLWLHV LQ ORFDO QHZVSDSHUV DQG WKH UHVXOWLQJ FRPPXQLW\ ZLGH FRQYHUVDWLRQV FDQQRW EH DYRLGHG:LWKLQFUHDVLQJ2SLRLG DEXVH LQFUHDVLQJ +HURLQ DYDLODE