%PDF-1.5 1 0 obj <> endobj 3 0 obj <>] /Rotate 0 /Contents 4 0 R>> endobj 4 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 14.00 Tf ET q 0 0 0 rg BT 251.20 737.55 Td (UNITED ST) Tj ET Q q 0 0 0 rg BT 325.24 737.55 Td (A) Tj ET Q q 0 0 0 rg BT 334.31 737.55 Td (TES) Tj ET Q BT /F2 14.00 Tf ET q 0 0 0 rg BT 155.65 720.75 Td (SECURITIES ) Tj ET Q q 0 0 0 rg BT 243.19 720.75 Td (AND EXCHANGE COMMISSION) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 253.20 708.75 Td (W) Tj ET Q q 0 0 0 rg BT 262.65 708.75 Td (ashington, D.C.20549) Tj ET Q BT /F2 18.00 Tf ET q 0 0 0 rg BT 263.25 684.15 Td (Form 10-K) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 669.15 Td (\(Mark ) Tj ET Q q 0 0 0 rg BT 67.99 669.15 Td (One\)) Tj ET Q /GS0 gs q 10.60 0 0 9.76 43.65 646.39 cm /I1 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.50 648.33 Td (ANNUAL) Tj ET Q q 0 0 0 rg BT 102.73 648.33 Td ( ) Tj ET Q q 0 0 0 rg BT 105.23 648.33 Td (REPOR) Tj ET Q q 0 0 0 rg BT 139.88 648.33 Td (T) Tj ET Q q 0 0 0 rg BT 146.36 648.33 Td ( ) Tj ET Q q 0 0 0 rg BT 148.86 648.33 Td (PURSUANT) Tj ET Q q 0 0 0 rg BT 203.13 648.33 Td ( ) Tj ET Q q 0 0 0 rg BT 205.45 648.33 Td (T) Tj ET Q q 0 0 0 rg BT 211.94 648.33 Td (O ) Tj ET Q q 0 0 0 rg BT 222.22 648.33 Td (SECTION ) Tj ET Q q 0 0 0 rg BT 269.73 648.33 Td (13 ) Tj ET Q q 0 0 0 rg BT 282.23 648.33 Td (OR ) Tj ET Q q 0 0 0 rg BT 299.73 648.33 Td (15\(d\) ) Tj ET Q q 0 0 0 rg BT 324.46 648.33 Td (OF) Tj ET Q q 0 0 0 rg BT 337.97 648.33 Td ( ) Tj ET Q q 0 0 0 rg BT 340.29 648.33 Td (THE ) Tj ET Q q 0 0 0 rg BT 363.91 648.33 Td (SECURITIES ) Tj ET Q q 0 0 0 rg BT 426.99 648.33 Td (EXCHANGE ) Tj ET Q q 0 0 0 rg BT 486.72 648.33 Td (ACT) Tj ET Q q 0 0 0 rg BT 507.65 648.33 Td ( ) Tj ET Q q 0 0 0 rg BT 510.15 648.33 Td (OF) Tj ET Q q 0 0 0 rg BT 523.67 648.33 Td ( ) Tj ET Q q 0 0 0 rg BT 526.17 648.33 Td (1934) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.35 629.15 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 216.85 629.15 Td (For) Tj ET Q q 0 0 0 rg BT 232.22 629.15 Td ( the fiscal year) Tj ET Q q 0 0 0 rg BT 293.96 629.15 Td ( ended ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.52 629.15 Td (January31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.58 629.15 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.55 614.15 Td (or) Tj ET Q /GS0 gs q 8.91 0 0 9.76 44.50 591.39 cm /I2 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.50 594.38 Td (TRANSITION REPOR) Tj ET Q q 0 0 0 rg BT 161.00 594.38 Td (T) Tj ET Q q 0 0 0 rg BT 167.49 594.38 Td ( PURSUANT) Tj ET Q q 0 0 0 rg BT 224.25 594.38 Td ( ) Tj ET Q q 0 0 0 rg BT 226.57 594.38 Td (T) Tj ET Q q 0 0 0 rg BT 233.06 594.38 Td (O SECTION 13 OR 15\(d\) OF) Tj ET Q q 0 0 0 rg BT 359.09 594.38 Td ( ) Tj ET Q q 0 0 0 rg BT 361.41 594.38 Td (THE SECURITIES EXCHANGE ) Tj ET Q q 0 0 0 rg BT 507.84 594.38 Td (ACT) Tj ET Q q 0 0 0 rg BT 528.78 594.38 Td ( OF) Tj ET Q q 0 0 0 rg BT 544.79 594.38 Td ( 1934) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.30 574.15 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 222.30 574.15 Td (For) Tj ET Q q 0 0 0 rg BT 237.67 574.15 Td ( the transition period fr) Tj ET Q q 0 0 0 rg BT 338.03 574.15 Td (om ) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 353.8625 572.58505859375 m 366.3625 572.58505859375 l s q 0 0 0 rg BT 353.86 574.15 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 366.36 574.15 Td ( to ) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 379.692578125 572.58505859375 m 392.192578125 572.58505859375 l s q 0 0 0 rg BT 379.69 574.15 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 1 1 1 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 392.192578125 572.58505859375 m 394.692578125 572.58505859375 l s q 1 1 1 rg BT 392.19 574.15 Td (.) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 228.45 559.15 Td (Commission File Number) Tj ET Q q 0 0 0 rg BT 337.71 559.15 Td ( 001-34956) Tj ET Q BT /F2 18.00 Tf ET q 0 0 0 rg BT 248.70 534.55 Td (CONN'S, INC.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.70 522.55 Td (\(Exact name of registrant as specified in its charter\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 164.80 502.78 Td (Delawar) Tj ET Q q 0 0 0 rg BT 200.81 502.78 Td (e) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 435.80 502.78 Td (06-1672840) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 65.50 490.67 Td (\(State or other jurisdiction of incorporation or or) Tj ET Q q 0 0 0 rg BT 259.53 490.67 Td (ganization\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.35 490.67 Td (\(I.R.S. Employer Identification Number\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 55.05 466.73 Td (2445 ) Tj ET Q q 0 0 0 rg BT 77.37 466.73 Td (T) Tj ET Q q 0 0 0 rg BT 83.12 466.73 Td (echnology For) Tj ET Q q 0 0 0 rg BT 143.77 466.73 Td (est Blvd., Suite 800, ) Tj ET Q q 0 0 0 rg BT 229.43 466.73 Td (The ) Tj ET Q q 0 0 0 rg BT 248.41 466.73 Td (W) Tj ET Q q 0 0 0 rg BT 257.86 466.73 Td (oodlands, ) Tj ET Q q 0 0 0 rg BT 301.04 466.73 Td (TX) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.50 466.73 Td (77381) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.65 452.67 Td (\(Address of principal executive of) Tj ET Q q 0 0 0 rg BT 242.18 452.67 Td (fices\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.90 452.67 Td (\(Zip Code\)) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 167.55 435.55 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.05 435.55 Td (Registrant's telephone number) Tj ET Q q 0 0 0 rg BT 290.87 435.55 Td (, including area code: ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.94 435.55 Td (\(936\) 230-5899) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.75 420.55 Td (Securities registered pursuant to Section 12\(b\) of the ) Tj ET Q q 0 0 0 rg BT 404.97 420.55 Td (Act:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 384.55 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.95 400.62 Td (T) Tj ET Q q 0 0 0 rg BT 133.88 400.62 Td (itle of Each Class) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 400.62 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.55 400.62 Td (Name of Each Exchange on ) Tj ET Q q 0 0 0 rg BT 452.49 400.62 Td (Which Registered) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 76.80 387.78 Td (Common Stock, par) Tj ET Q q 0 0 0 rg BT 162.54 387.78 Td ( value $0.01 per) Tj ET Q q 0 0 0 rg BT 229.58 387.78 Td ( shar) Tj ET Q q 0 0 0 rg BT 250.79 387.78 Td (e) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 387.62 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 363.55 387.78 Td (NASDAQ Global Select Market) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.40 369.55 Td (Securities registered pursuant to Section 12\(g\) of the ) Tj ET Q q 0 0 0 rg BT 390.12 369.55 Td (Act: ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 412.34 369.55 Td (None) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 354.55 Td (Indicate ) Tj ET Q q 0 0 0 rg BT 75.20 354.55 Td (by ) Tj ET Q q 0 0 0 rg BT 87.70 354.55 Td (check ) Tj ET Q q 0 0 0 rg BT 113.52 354.55 Td (mark ) Tj ET Q q 0 0 0 rg BT 136.56 354.55 Td (if ) Tj ET Q q 0 0 0 rg BT 145.17 354.55 Td (the ) Tj ET Q q 0 0 0 rg BT 159.89 354.55 Td (registrant ) Tj ET Q q 0 0 0 rg BT 200.15 354.55 Td (is ) Tj ET Q q 0 0 0 rg BT 209.32 354.55 Td (a ) Tj ET Q q 0 0 0 rg BT 216.26 354.55 Td (well-known ) Tj ET Q q 0 0 0 rg BT 266.53 354.55 Td (seasoned ) Tj ET Q q 0 0 0 rg BT 305.13 354.55 Td (issuer) Tj ET Q q 0 0 0 rg BT 328.06 354.55 Td (, ) Tj ET Q q 0 0 0 rg BT 333.06 354.55 Td (as ) Tj ET Q q 0 0 0 rg BT 343.89 354.55 Td (defined ) Tj ET Q q 0 0 0 rg BT 376.37 354.55 Td (in ) Tj ET Q q 0 0 0 rg BT 386.65 354.55 Td (Rule ) Tj ET Q q 0 0 0 rg BT 408.04 354.55 Td (405 ) Tj ET Q q 0 0 0 rg BT 425.54 354.55 Td (of ) Tj ET Q q 0 0 0 rg BT 436.37 354.55 Td (the ) Tj ET Q q 0 0 0 rg BT 451.09 354.55 Td (Securities ) Tj ET Q q 0 0 0 rg BT 492.47 354.55 Td (Act.) Tj ET Q q 0 0 0 rg BT 511.54 354.55 Td (Y) Tj ET Q q 0 0 0 rg BT 517.76 354.55 Td (es) Tj ET Q /GS0 gs q 8.91 0 0 10.09 528.59 352.39 cm /I3 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.50 354.55 Td (No ) Tj ET Q /GS0 gs q 8.92 0 0 10.09 557.22 352.39 cm /I4 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 339.55 Td (Indicate ) Tj ET Q q 0 0 0 rg BT 75.04 339.55 Td (by ) Tj ET Q q 0 0 0 rg BT 87.38 339.55 Td (check ) Tj ET Q q 0 0 0 rg BT 113.04 339.55 Td (mark ) Tj ET Q q 0 0 0 rg BT 135.93 339.55 Td (if ) Tj ET Q q 0 0 0 rg BT 144.37 339.55 Td (the ) Tj ET Q q 0 0 0 rg BT 158.93 339.55 Td (registrant ) Tj ET Q q 0 0 0 rg BT 199.04 339.55 Td (is ) Tj ET Q q 0 0 0 rg BT 208.05 339.55 Td (not ) Tj ET Q q 0 0 0 rg BT 223.16 339.55 Td (required ) Tj ET Q q 0 0 0 rg BT 258.82 339.55 Td (to ) Tj ET Q q 0 0 0 rg BT 268.94 339.55 Td (file ) Tj ET Q q 0 0 0 rg BT 284.60 339.55 Td (reports ) Tj ET Q q 0 0 0 rg BT 314.71 339.55 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 351.49 339.55 Td (to ) Tj ET Q q 0 0 0 rg BT 361.61 339.55 Td (Section ) Tj ET Q q 0 0 0 rg BT 393.95 339.55 Td (13 ) Tj ET Q q 0 0 0 rg BT 406.29 339.55 Td (or ) Tj ET Q q 0 0 0 rg BT 416.96 339.55 Td (Section ) Tj ET Q q 0 0 0 rg BT 449.29 339.55 Td (15\(d\) ) Tj ET Q q 0 0 0 rg BT 473.29 339.55 Td (of ) Tj ET Q q 0 0 0 rg BT 483.96 339.55 Td (the ) Tj ET Q q 0 0 0 rg BT 498.00 339.55 Td (Act.) Tj ET Q q 0 0 0 rg BT 517.07 339.55 Td (Y) Tj ET Q q 0 0 0 rg BT 523.29 339.55 Td (es) Tj ET Q /GS0 gs q 8.91 0 0 10.09 534.12 337.39 cm /I5 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.03 339.55 Td (No ) Tj ET Q /GS0 gs q 8.92 0 0 10.09 562.60 337.39 cm /I6 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 324.55 Td (Indicate ) Tj ET Q q 0 0 0 rg BT 75.87 324.55 Td (by ) Tj ET Q q 0 0 0 rg BT 89.04 324.55 Td (check ) Tj ET Q q 0 0 0 rg BT 115.52 324.55 Td (mark ) Tj ET Q q 0 0 0 rg BT 139.24 324.55 Td (whether ) Tj ET Q q 0 0 0 rg BT 174.61 324.55 Td (the ) Tj ET Q q 0 0 0 rg BT 190.00 324.55 Td (registrant ) Tj ET Q q 0 0 0 rg BT 230.93 324.55 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 245.76 324.55 Td (has ) Tj ET Q q 0 0 0 rg BT 262.25 324.55 Td (filed ) Tj ET Q q 0 0 0 rg BT 283.75 324.55 Td (all ) Tj ET Q q 0 0 0 rg BT 296.91 324.55 Td (reports ) Tj ET Q q 0 0 0 rg BT 327.85 324.55 Td (required ) Tj ET Q q 0 0 0 rg BT 364.33 324.55 Td (to ) Tj ET Q q 0 0 0 rg BT 375.28 324.55 Td (be ) Tj ET Q q 0 0 0 rg BT 387.88 324.55 Td (filed ) Tj ET Q q 0 0 0 rg BT 409.38 324.55 Td (by ) Tj ET Q q 0 0 0 rg BT 422.54 324.55 Td (Section ) Tj ET Q q 0 0 0 rg BT 455.71 324.55 Td (13 ) Tj ET Q q 0 0 0 rg BT 468.88 324.55 Td (or ) Tj ET Q q 0 0 0 rg BT 480.37 324.55 Td (15\(d\) ) Tj ET Q q 0 0 0 rg BT 505.20 324.55 Td (of ) Tj ET Q q 0 0 0 rg BT 516.70 324.55 Td (the ) Tj ET Q q 0 0 0 rg BT 532.08 324.55 Td (Securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 312.55 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 81.70 312.55 Td (Act ) Tj ET Q q 0 0 0 rg BT 98.43 312.55 Td (of ) Tj ET Q q 0 0 0 rg BT 109.04 312.55 Td (1934 ) Tj ET Q q 0 0 0 rg BT 131.33 312.55 Td (during ) Tj ET Q q 0 0 0 rg BT 159.72 312.55 Td (the ) Tj ET Q q 0 0 0 rg BT 174.22 312.55 Td (preceding ) Tj ET Q q 0 0 0 rg BT 215.93 312.55 Td (12 ) Tj ET Q q 0 0 0 rg BT 228.22 312.55 Td (months ) Tj ET Q q 0 0 0 rg BT 259.95 312.55 Td (\(or ) Tj ET Q q 0 0 0 rg BT 273.90 312.55 Td (for ) Tj ET Q q 0 0 0 rg BT 287.84 312.55 Td (such ) Tj ET Q q 0 0 0 rg BT 308.46 312.55 Td (shorter ) Tj ET Q q 0 0 0 rg BT 338.51 312.55 Td (period ) Tj ET Q q 0 0 0 rg BT 366.34 312.55 Td (that ) Tj ET Q q 0 0 0 rg BT 383.62 312.55 Td (the ) Tj ET Q q 0 0 0 rg BT 398.13 312.55 Td (registrant ) Tj ET Q q 0 0 0 rg BT 438.17 312.55 Td (was ) Tj ET Q q 0 0 0 rg BT 456.01 312.55 Td (required ) Tj ET Q q 0 0 0 rg BT 491.61 312.55 Td (to ) Tj ET Q q 0 0 0 rg BT 501.68 312.55 Td (file ) Tj ET Q q 0 0 0 rg BT 517.29 312.55 Td (such ) Tj ET Q q 0 0 0 rg BT 537.90 312.55 Td (reports\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 300.55 Td (and ) Tj ET Q q 0 0 0 rg BT 57.44 300.55 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 71.60 300.55 Td (has ) Tj ET Q q 0 0 0 rg BT 87.43 300.55 Td (been ) Tj ET Q q 0 0 0 rg BT 108.81 300.55 Td (subject ) Tj ET Q q 0 0 0 rg BT 139.63 300.55 Td (to ) Tj ET Q q 0 0 0 rg BT 149.91 300.55 Td (such ) Tj ET Q q 0 0 0 rg BT 170.74 300.55 Td (filing ) Tj ET Q q 0 0 0 rg BT 194.90 300.55 Td (requirements ) Tj ET Q q 0 0 0 rg BT 249.61 300.55 Td (for ) Tj ET Q q 0 0 0 rg BT 263.77 300.55 Td (the ) Tj ET Q q 0 0 0 rg BT 278.48 300.55 Td (past ) Tj ET Q q 0 0 0 rg BT 297.09 300.55 Td (90 ) Tj ET Q q 0 0 0 rg BT 309.59 300.55 Td (days.) Tj ET Q q 0 0 0 rg BT 332.55 300.55 Td (Y) Tj ET Q q 0 0 0 rg BT 338.77 300.55 Td (es) Tj ET Q /GS0 gs q 8.92 0 0 10.09 349.60 298.39 cm /I7 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.52 300.55 Td (No ) Tj ET Q /GS0 gs q 8.91 0 0 10.09 378.24 298.39 cm /I8 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 285.55 Td (Indicate ) Tj ET Q q 0 0 0 rg BT 74.51 285.55 Td (by ) Tj ET Q q 0 0 0 rg BT 86.32 285.55 Td (check ) Tj ET Q q 0 0 0 rg BT 111.44 285.55 Td (mark ) Tj ET Q q 0 0 0 rg BT 133.79 285.55 Td (whether ) Tj ET Q q 0 0 0 rg BT 167.80 285.55 Td (the ) Tj ET Q q 0 0 0 rg BT 181.83 285.55 Td (registrant ) Tj ET Q q 0 0 0 rg BT 221.40 285.55 Td (has ) Tj ET Q q 0 0 0 rg BT 236.54 285.55 Td (submitted ) Tj ET Q q 0 0 0 rg BT 277.79 285.55 Td (electronically ) Tj ET Q q 0 0 0 rg BT 334.01 285.55 Td (and ) Tj ET Q q 0 0 0 rg BT 350.25 285.55 Td (posted ) Tj ET Q q 0 0 0 rg BT 378.17 285.55 Td (on ) Tj ET Q q 0 0 0 rg BT 389.97 285.55 Td (its ) Tj ET Q q 0 0 0 rg BT 401.23 285.55 Td (corporate ) Tj ET Q q 0 0 0 rg BT 440.66 285.55 Td (W) Tj ET Q q 0 0 0 rg BT 449.30 285.55 Td (eb ) Tj ET Q q 0 0 0 rg BT 460.54 285.55 Td (site, ) Tj ET Q q 0 0 0 rg BT 478.73 285.55 Td (if ) Tj ET Q q 0 0 0 rg BT 486.65 285.55 Td (any) Tj ET Q q 0 0 0 rg BT 500.44 285.55 Td (, ) Tj ET Q q 0 0 0 rg BT 504.74 285.55 Td (every ) Tj ET Q q 0 0 0 rg BT 528.76 285.55 Td (Interactive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 273.55 Td (Data ) Tj ET Q q 0 0 0 rg BT 61.70 273.55 Td (File ) Tj ET Q q 0 0 0 rg BT 79.58 273.55 Td (required ) Tj ET Q q 0 0 0 rg BT 115.22 273.55 Td (to ) Tj ET Q q 0 0 0 rg BT 125.32 273.55 Td (be ) Tj ET Q q 0 0 0 rg BT 137.09 273.55 Td (submitted ) Tj ET Q q 0 0 0 rg BT 178.85 273.55 Td (and ) Tj ET Q q 0 0 0 rg BT 195.62 273.55 Td (posted ) Tj ET Q q 0 0 0 rg BT 224.05 273.55 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 260.81 273.55 Td (to ) Tj ET Q q 0 0 0 rg BT 270.92 273.55 Td (Rule ) Tj ET Q q 0 0 0 rg BT 292.13 273.55 Td (405 ) Tj ET Q q 0 0 0 rg BT 309.45 273.55 Td (of ) Tj ET Q q 0 0 0 rg BT 320.10 273.55 Td (Regulation ) Tj ET Q q 0 0 0 rg BT 366.31 273.55 Td (S-T) Tj ET Q q 0 0 0 rg BT 381.13 273.55 Td ( ) Tj ET Q q 0 0 0 rg BT 383.45 273.55 Td (\(232.405 ) Tj ET Q q 0 0 0 rg BT 426.61 273.55 Td (of ) Tj ET Q q 0 0 0 rg BT 437.26 273.55 Td (this ) Tj ET Q q 0 0 0 rg BT 454.04 273.55 Td (chapter\) ) Tj ET Q q 0 0 0 rg BT 489.11 273.55 Td (during ) Tj ET Q q 0 0 0 rg BT 517.55 273.55 Td (the ) Tj ET Q q 0 0 0 rg BT 532.09 273.55 Td (preceding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 261.55 Td (12 ) Tj ET Q q 0 0 0 rg BT 53.00 261.55 Td (months ) Tj ET Q q 0 0 0 rg BT 84.95 261.55 Td (\(or ) Tj ET Q q 0 0 0 rg BT 99.11 261.55 Td (for ) Tj ET Q q 0 0 0 rg BT 113.27 261.55 Td (such ) Tj ET Q q 0 0 0 rg BT 134.10 261.55 Td (shorter ) Tj ET Q q 0 0 0 rg BT 164.37 261.55 Td (period ) Tj ET Q q 0 0 0 rg BT 192.41 261.55 Td (that ) Tj ET Q q 0 0 0 rg BT 209.91 261.55 Td (the ) Tj ET Q q 0 0 0 rg BT 224.63 261.55 Td (registrant ) Tj ET Q q 0 0 0 rg BT 264.89 261.55 Td (was ) Tj ET Q q 0 0 0 rg BT 282.94 261.55 Td (required ) Tj ET Q q 0 0 0 rg BT 318.76 261.55 Td (to ) Tj ET Q q 0 0 0 rg BT 329.04 261.55 Td (submit ) Tj ET Q q 0 0 0 rg BT 358.76 261.55 Td (and ) Tj ET Q q 0 0 0 rg BT 375.70 261.55 Td (post ) Tj ET Q q 0 0 0 rg BT 394.87 261.55 Td (such ) Tj ET Q q 0 0 0 rg BT 415.70 261.55 Td (files\). ) Tj ET Q q 0 0 0 rg BT 440.88 261.55 Td (Y) Tj ET Q q 0 0 0 rg BT 447.10 261.55 Td (es) Tj ET Q /GS0 gs q 8.92 0 0 10.09 457.93 259.39 cm /I9 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.84 261.55 Td (No ) Tj ET Q /GS0 gs q 8.91 0 0 10.09 486.56 259.39 cm /I10 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 246.55 Td (Indicate ) Tj ET Q q 0 0 0 rg BT 75.92 246.55 Td (by ) Tj ET Q q 0 0 0 rg BT 89.13 246.55 Td (check ) Tj ET Q q 0 0 0 rg BT 115.66 246.55 Td (mark ) Tj ET Q q 0 0 0 rg BT 139.43 246.55 Td (if ) Tj ET Q q 0 0 0 rg BT 148.75 246.55 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 192.51 246.55 Td (of ) Tj ET Q q 0 0 0 rg BT 204.06 246.55 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 249.48 246.55 Td (filers ) Tj ET Q q 0 0 0 rg BT 273.25 246.55 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 310.90 246.55 Td (to ) Tj ET Q q 0 0 0 rg BT 321.89 246.55 Td (Item ) Tj ET Q q 0 0 0 rg BT 343.43 246.55 Td (405 ) Tj ET Q q 0 0 0 rg BT 361.65 246.55 Td (of ) Tj ET Q q 0 0 0 rg BT 373.20 246.55 Td (Regulation ) Tj ET Q q 0 0 0 rg BT 420.29 246.55 Td (S-K ) Tj ET Q q 0 0 0 rg BT 439.62 246.55 Td (\(229.405 ) Tj ET Q q 0 0 0 rg BT 483.67 246.55 Td (of ) Tj ET Q q 0 0 0 rg BT 495.21 246.55 Td (this ) Tj ET Q q 0 0 0 rg BT 512.88 246.55 Td (chapter\) ) Tj ET Q q 0 0 0 rg BT 548.84 246.55 Td (is ) Tj ET Q q 0 0 0 rg BT 558.73 246.55 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 234.55 Td (contained ) Tj ET Q q 0 0 0 rg BT 83.24 234.55 Td (herein, ) Tj ET Q q 0 0 0 rg BT 114.59 234.55 Td (and ) Tj ET Q q 0 0 0 rg BT 132.90 234.55 Td (will ) Tj ET Q q 0 0 0 rg BT 152.32 234.55 Td (not ) Tj ET Q q 0 0 0 rg BT 168.97 234.55 Td (be ) Tj ET Q q 0 0 0 rg BT 182.27 234.55 Td (contained, ) Tj ET Q q 0 0 0 rg BT 227.51 234.55 Td (to ) Tj ET Q q 0 0 0 rg BT 239.16 234.55 Td (the ) Tj ET Q q 0 0 0 rg BT 255.24 234.55 Td (best ) Tj ET Q q 0 0 0 rg BT 275.22 234.55 Td (of ) Tj ET Q q 0 0 0 rg BT 287.41 234.55 Td (registrant's ) Tj ET Q q 0 0 0 rg BT 334.74 234.55 Td (knowledge, ) Tj ET Q q 0 0 0 rg BT 384.98 234.55 Td (in ) Tj ET Q q 0 0 0 rg BT 396.63 234.55 Td (definitive ) Tj ET Q q 0 0 0 rg BT 438.82 234.55 Td (proxy ) Tj ET Q q 0 0 0 rg BT 466.01 234.55 Td (or ) Tj ET Q q 0 0 0 rg BT 478.21 234.55 Td (information ) Tj ET Q q 0 0 0 rg BT 529.29 234.55 Td (statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 222.55 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 93.53 222.55 Td (by ) Tj ET Q q 0 0 0 rg BT 106.03 222.55 Td (reference ) Tj ET Q q 0 0 0 rg BT 145.71 222.55 Td (in ) Tj ET Q q 0 0 0 rg BT 155.99 222.55 Td (Part ) Tj ET Q q 0 0 0 rg BT 174.60 222.55 Td (III ) Tj ET Q q 0 0 0 rg BT 187.09 222.55 Td (of ) Tj ET Q q 0 0 0 rg BT 197.92 222.55 Td (this ) Tj ET Q q 0 0 0 rg BT 214.87 222.55 Td (Form ) Tj ET Q q 0 0 0 rg BT 239.04 222.55 Td (10-K ) Tj ET Q q 0 0 0 rg BT 262.09 222.55 Td (or ) Tj ET Q q 0 0 0 rg BT 272.92 222.55 Td (any ) Tj ET Q q 0 0 0 rg BT 289.86 222.55 Td (amendment ) Tj ET Q q 0 0 0 rg BT 339.01 222.55 Td (to ) Tj ET Q q 0 0 0 rg BT 349.29 222.55 Td (this ) Tj ET Q q 0 0 0 rg BT 366.24 222.55 Td (Form ) Tj ET Q q 0 0 0 rg BT 390.41 222.55 Td (10-K.) Tj ET Q /GS0 gs q 8.91 0 0 10.09 415.96 220.39 cm /I11 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 207.55 Td (Indicate ) Tj ET Q q 0 0 0 rg BT 76.02 207.55 Td (by ) Tj ET Q q 0 0 0 rg BT 89.33 207.55 Td (check ) Tj ET Q q 0 0 0 rg BT 115.96 207.55 Td (mark ) Tj ET Q q 0 0 0 rg BT 139.83 207.55 Td (whether ) Tj ET Q q 0 0 0 rg BT 175.35 207.55 Td (the ) Tj ET Q q 0 0 0 rg BT 190.88 207.55 Td (registrant ) Tj ET Q q 0 0 0 rg BT 231.96 207.55 Td (is ) Tj ET Q q 0 0 0 rg BT 241.95 207.55 Td (a ) Tj ET Q q 0 0 0 rg BT 249.70 207.55 Td (lar) Tj ET Q q 0 0 0 rg BT 260.07 207.55 Td (ge ) Tj ET Q q 0 0 0 rg BT 272.82 207.55 Td (accelerated ) Tj ET Q q 0 0 0 rg BT 321.09 207.55 Td (filer) Tj ET Q q 0 0 0 rg BT 337.35 207.55 Td (, ) Tj ET Q q 0 0 0 rg BT 343.16 207.55 Td (an ) Tj ET Q q 0 0 0 rg BT 355.92 207.55 Td (accelerated ) Tj ET Q q 0 0 0 rg BT 404.19 207.55 Td (filer) Tj ET Q q 0 0 0 rg BT 420.44 207.55 Td (, ) Tj ET Q q 0 0 0 rg BT 426.26 207.55 Td (a ) Tj ET Q q 0 0 0 rg BT 434.01 207.55 Td (non-accelerated ) Tj ET Q q 0 0 0 rg BT 500.61 207.55 Td (filer) Tj ET Q q 0 0 0 rg BT 516.87 207.55 Td (, ) Tj ET Q q 0 0 0 rg BT 522.68 207.55 Td (or ) Tj ET Q q 0 0 0 rg BT 534.33 207.55 Td (a ) Tj ET Q q 0 0 0 rg BT 542.08 207.55 Td (smaller ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 195.55 Td (reporting ) Tj ET Q q 0 0 0 rg BT 79.81 195.55 Td (company) Tj ET Q q 0 0 0 rg BT 115.82 195.55 Td (. ) Tj ET Q q 0 0 0 rg BT 120.98 195.55 Td (See ) Tj ET Q q 0 0 0 rg BT 138.07 195.55 Td (definitions ) Tj ET Q q 0 0 0 rg BT 183.50 195.55 Td (of ) Tj ET Q q 0 0 0 rg BT 194.49 195.55 Td ("lar) Tj ET Q q 0 0 0 rg BT 208.94 195.55 Td (ge ) Tj ET Q q 0 0 0 rg BT 221.04 195.55 Td (accelerated ) Tj ET Q q 0 0 0 rg BT 268.65 195.55 Td (filer) Tj ET Q q 0 0 0 rg BT 284.90 195.55 Td (," ) Tj ET Q q 0 0 0 rg BT 294.14 195.55 Td ("accelerated ) Tj ET Q q 0 0 0 rg BT 345.84 195.55 Td (filer" ) Tj ET Q q 0 0 0 rg BT 369.24 195.55 Td (and ) Tj ET Q q 0 0 0 rg BT 386.33 195.55 Td ("smaller ) Tj ET Q q 0 0 0 rg BT 422.50 195.55 Td (reporting ) Tj ET Q q 0 0 0 rg BT 461.82 195.55 Td (company" ) Tj ET Q q 0 0 0 rg BT 505.21 195.55 Td (in ) Tj ET Q q 0 0 0 rg BT 515.65 195.55 Td (Rule ) Tj ET Q q 0 0 0 rg BT 537.19 195.55 Td (12b-2 ) Tj ET Q q 0 0 0 rg BT 563.18 195.55 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 183.55 Td (the ) Tj ET Q q 0 0 0 rg BT 55.22 183.55 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 96.59 183.55 Td (Act. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.50 162.72 Td (Lar) Tj ET Q q 0 0 0 rg BT 75.29 162.72 Td (ge ) Tj ET Q q 0 0 0 rg BT 87.13 162.72 Td (accelerated ) Tj ET Q q 0 0 0 rg BT 134.59 162.72 Td (filer) Tj ET Q /GS0 gs q 8.91 0 0 10.76 161.50 160.59 cm /I12 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.50 162.72 Td (Accelerated ) Tj ET Q q 0 0 0 rg BT 397.74 162.72 Td (filer) Tj ET Q /GS0 gs q 8.92 0 0 10.76 463.50 160.59 cm /I13 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.50 143.72 Td (Non-accelerated ) Tj ET Q q 0 0 0 rg BT 129.51 143.72 Td (filer) Tj ET Q /GS0 gs q 8.91 0 0 10.76 161.50 141.59 cm /I14 Do Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 176.50 143.30 Td (\(Do not check if a smaller reporting company\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.50 143.72 Td (Smaller reporting company) Tj ET Q /GS0 gs q 8.91 0 0 10.76 463.50 141.59 cm /I15 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.50 123.72 Td (Emer) Tj ET Q q 0 0 0 rg BT 368.97 123.72 Td (ging growth company) Tj ET Q /GS0 gs q 8.91 0 0 10.76 463.50 121.59 cm /I16 Do Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 104.55 Td (If ) Tj ET Q q 0 0 0 rg BT 50.50 104.55 Td (an ) Tj ET Q q 0 0 0 rg BT 63.27 104.55 Td (emer) Tj ET Q q 0 0 0 rg BT 83.08 104.55 Td (ging ) Tj ET Q q 0 0 0 rg BT 104.19 104.55 Td (growth ) Tj ET Q q 0 0 0 rg BT 135.86 104.55 Td (company) Tj ET Q q 0 0 0 rg BT 171.86 104.55 Td (, ) Tj ET Q q 0 0 0 rg BT 177.70 104.55 Td (indicate ) Tj ET Q q 0 0 0 rg BT 212.69 104.55 Td (by ) Tj ET Q q 0 0 0 rg BT 226.02 104.55 Td (check ) Tj ET Q q 0 0 0 rg BT 252.67 104.55 Td (mark ) Tj ET Q q 0 0 0 rg BT 276.56 104.55 Td (if ) Tj ET Q q 0 0 0 rg BT 286.00 104.55 Td (the ) Tj ET Q q 0 0 0 rg BT 301.56 104.55 Td (registrant ) Tj ET Q q 0 0 0 rg BT 342.66 104.55 Td (has ) Tj ET Q q 0 0 0 rg BT 359.32 104.55 Td (elected ) Tj ET Q q 0 0 0 rg BT 390.97 104.55 Td (not ) Tj ET Q q 0 0 0 rg BT 407.08 104.55 Td (to ) Tj ET Q q 0 0 0 rg BT 418.20 104.55 Td (use ) Tj ET Q q 0 0 0 rg BT 434.87 104.55 Td (the ) Tj ET Q q 0 0 0 rg BT 450.42 104.55 Td (extended ) Tj ET Q q 0 0 0 rg BT 489.85 104.55 Td (transition ) Tj ET Q q 0 0 0 rg BT 530.96 104.55 Td (period ) Tj ET Q q 0 0 0 rg BT 559.84 104.55 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 92.55 Td (complying ) Tj ET Q q 0 0 0 rg BT 85.77 92.55 Td (with ) Tj ET Q q 0 0 0 rg BT 106.05 92.55 Td (any ) Tj ET Q q 0 0 0 rg BT 122.99 92.55 Td (new ) Tj ET Q q 0 0 0 rg BT 142.15 92.55 Td (or ) Tj ET Q q 0 0 0 rg BT 152.98 92.55 Td (revised ) Tj ET Q q 0 0 0 rg BT 184.36 92.55 Td (financial ) Tj ET Q q 0 0 0 rg BT 221.84 92.55 Td (accounting ) Tj ET Q q 0 0 0 rg BT 268.21 92.55 Td (standards ) Tj ET Q q 0 0 0 rg BT 308.48 92.55 Td (provided ) Tj ET Q q 0 0 0 rg BT 346.53 92.55 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 383.46 92.55 Td (to ) Tj ET Q q 0 0 0 rg BT 393.74 92.55 Td (Section ) Tj ET Q q 0 0 0 rg BT 426.24 92.55 Td (13\(a\) ) Tj ET Q q 0 0 0 rg BT 449.84 92.55 Td (of ) Tj ET Q q 0 0 0 rg BT 460.67 92.55 Td (the ) Tj ET Q q 0 0 0 rg BT 475.38 92.55 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 516.75 92.55 Td (Act. ) Tj ET Q q 0 0 0 rg BT 536.19 92.55 Td ( ) Tj ET Q q 0 0 0 rg BT 538.69 92.55 Td ( ) Tj ET Q q 0 0 0 rg BT 541.19 92.55 Td ( ) Tj ET Q /GS0 gs q 8.91 0 0 10.09 543.69 90.39 cm /I17 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.60 92.55 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 77.55 Td (Indicate ) Tj ET Q q 0 0 0 rg BT 75.20 77.55 Td (by ) Tj ET Q q 0 0 0 rg BT 87.70 77.55 Td (check ) Tj ET Q q 0 0 0 rg BT 113.52 77.55 Td (mark ) Tj ET Q q 0 0 0 rg BT 136.56 77.55 Td (whether ) Tj ET Q q 0 0 0 rg BT 171.27 77.55 Td (the ) Tj ET Q q 0 0 0 rg BT 185.99 77.55 Td (registrant ) Tj ET Q q 0 0 0 rg BT 226.25 77.55 Td (is ) Tj ET Q q 0 0 0 rg BT 235.42 77.55 Td (a ) Tj ET Q q 0 0 0 rg BT 242.36 77.55 Td (shell ) Tj ET Q q 0 0 0 rg BT 263.75 77.55 Td (company ) Tj ET Q q 0 0 0 rg BT 302.90 77.55 Td (\(as ) Tj ET Q q 0 0 0 rg BT 317.06 77.55 Td (defined ) Tj ET Q q 0 0 0 rg BT 349.55 77.55 Td (in ) Tj ET Q q 0 0 0 rg BT 359.83 77.55 Td (Rule ) Tj ET Q q 0 0 0 rg BT 381.21 77.55 Td (12b-2 ) Tj ET Q q 0 0 0 rg BT 407.04 77.55 Td (of ) Tj ET Q q 0 0 0 rg BT 417.87 77.55 Td (the ) Tj ET Q q 0 0 0 rg BT 432.04 77.55 Td (Act\).) Tj ET Q q 0 0 0 rg BT 456.94 77.55 Td (Y) Tj ET Q q 0 0 0 rg BT 463.16 77.55 Td (es) Tj ET Q /GS0 gs q 8.91 0 0 10.09 473.99 75.39 cm /I18 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.90 77.55 Td (No ) Tj ET Q /GS0 gs q 8.92 0 0 10.09 502.62 75.39 cm /I19 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 62.55 Td (The ) Tj ET Q q 0 0 0 rg BT 58.05 62.55 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 98.92 62.55 Td (market ) Tj ET Q q 0 0 0 rg BT 128.69 62.55 Td (value ) Tj ET Q q 0 0 0 rg BT 152.36 62.55 Td (of ) Tj ET Q q 0 0 0 rg BT 162.69 62.55 Td (the ) Tj ET Q q 0 0 0 rg BT 176.92 62.55 Td (voting ) Tj ET Q q 0 0 0 rg BT 204.48 62.55 Td (and ) Tj ET Q q 0 0 0 rg BT 220.92 62.55 Td (non-voting ) Tj ET Q q 0 0 0 rg BT 266.82 62.55 Td (common ) Tj ET Q q 0 0 0 rg BT 303.82 62.55 Td (equity ) Tj ET Q q 0 0 0 rg BT 330.82 62.55 Td (held ) Tj ET Q q 0 0 0 rg BT 350.05 62.55 Td (by ) Tj ET Q q 0 0 0 rg BT 362.05 62.55 Td (non-af) Tj ET Q q 0 0 0 rg BT 387.97 62.55 Td (filiates ) Tj ET Q q 0 0 0 rg BT 417.19 62.55 Td (as ) Tj ET Q q 0 0 0 rg BT 427.53 62.55 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.86 62.55 Td (July ) Tj ET Q q 0 0 0 rg BT 456.54 62.55 Td (31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.04 62.55 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.05 62.55 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.05 62.55 Td (, ) Tj ET Q q 0 0 0 rg BT 495.55 62.55 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.11 62.55 Td ($489.7 ) Tj ET Q q 0 0 0 rg BT 542.62 62.55 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 50.55 Td (based ) Tj ET Q q 0 0 0 rg BT 65.77 50.55 Td (on ) Tj ET Q q 0 0 0 rg BT 78.27 50.55 Td (the ) Tj ET Q q 0 0 0 rg BT 92.99 50.55 Td (closing ) Tj ET Q q 0 0 0 rg BT 124.37 50.55 Td (price ) Tj ET Q q 0 0 0 rg BT 146.86 50.55 Td (of ) Tj ET Q q 0 0 0 rg BT 157.69 50.55 Td (the ) Tj ET Q q 0 0 0 rg BT 172.40 50.55 Td (registrant's ) Tj ET Q q 0 0 0 rg BT 218.36 50.55 Td (common ) Tj ET Q q 0 0 0 rg BT 255.86 50.55 Td (stock ) Tj ET Q q 0 0 0 rg BT 279.46 50.55 Td (as ) Tj ET Q q 0 0 0 rg BT 290.29 50.55 Td (reported ) Tj ET Q q 0 0 0 rg BT 326.11 50.55 Td (on ) Tj ET Q q 0 0 0 rg BT 338.61 50.55 Td (the ) Tj ET Q q 0 0 0 rg BT 353.33 50.55 Td (NASDAQ ) Tj ET Q q 0 0 0 rg BT 397.50 50.55 Td (Global ) Tj ET Q q 0 0 0 rg BT 427.21 50.55 Td (Select ) Tj ET Q q 0 0 0 rg BT 454.15 50.55 Td (Market ) Tj ET Q q 0 0 0 rg BT 485.52 50.55 Td (on ) Tj ET Q q 0 0 0 rg BT 498.02 50.55 Td (such ) Tj ET Q q 0 0 0 rg BT 518.85 50.55 Td (date.) Tj ET Q endstream endobj 5 0 obj <>] /Rotate 0 /Contents 6 0 R>> endobj 6 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 740.10 Td (There ) Tj ET Q q 0 0 0 rg BT 66.32 740.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.24 740.10 Td (31,553,334) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.24 740.10 Td ( ) Tj ET Q q 0 0 0 rg BT 135.74 740.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 163.23 740.10 Td (of ) Tj ET Q q 0 0 0 rg BT 174.06 740.10 Td (common ) Tj ET Q q 0 0 0 rg BT 211.56 740.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 237.67 740.10 Td ($0.01 ) Tj ET Q q 0 0 0 rg BT 262.67 740.10 Td (par ) Tj ET Q q 0 0 0 rg BT 277.94 740.10 Td (value ) Tj ET Q q 0 0 0 rg BT 302.09 740.10 Td (per ) Tj ET Q q 0 0 0 rg BT 317.36 740.10 Td (share, ) Tj ET Q q 0 0 0 rg BT 343.46 740.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 392.62 740.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.12 740.10 Td (March27, ) Tj ET Q q 0 0 0 rg BT 448.72 740.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.72 740.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 191.40 725.10 Td (DOCUMENTS INCORPORA) Tj ET Q q 0 0 0 rg BT 319.83 725.10 Td (TED BY) Tj ET Q q 0 0 0 rg BT 356.41 725.10 Td ( REFERENCE) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 710.10 Td (Certain ) Tj ET Q q 0 0 0 rg BT 71.64 710.10 Td (information ) Tj ET Q q 0 0 0 rg BT 120.56 710.10 Td (required ) Tj ET Q q 0 0 0 rg BT 155.58 710.10 Td (to ) Tj ET Q q 0 0 0 rg BT 165.06 710.10 Td (be ) Tj ET Q q 0 0 0 rg BT 176.21 710.10 Td (furnished ) Tj ET Q q 0 0 0 rg BT 215.68 710.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 251.82 710.10 Td (to ) Tj ET Q q 0 0 0 rg BT 261.31 710.10 Td (Part ) Tj ET Q q 0 0 0 rg BT 279.12 710.10 Td (III ) Tj ET Q q 0 0 0 rg BT 290.82 710.10 Td (of ) Tj ET Q q 0 0 0 rg BT 300.85 710.10 Td (this ) Tj ET Q q 0 0 0 rg BT 317.01 710.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 340.38 710.10 Td (10-K ) Tj ET Q q 0 0 0 rg BT 362.64 710.10 Td (is ) Tj ET Q q 0 0 0 rg BT 371.02 710.10 Td (set ) Tj ET Q q 0 0 0 rg BT 383.83 710.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 404.97 710.10 Td (in, ) Tj ET Q q 0 0 0 rg BT 416.96 710.10 Td (and ) Tj ET Q q 0 0 0 rg BT 433.10 710.10 Td (is ) Tj ET Q q 0 0 0 rg BT 441.48 710.10 Td (hereby ) Tj ET Q q 0 0 0 rg BT 470.39 710.10 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 522.63 710.10 Td (by ) Tj ET Q q 0 0 0 rg BT 534.33 710.10 Td (reference ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 698.10 Td (herein ) Tj ET Q q 0 0 0 rg BT 67.89 698.10 Td (from, ) Tj ET Q q 0 0 0 rg BT 92.23 698.10 Td (Conn's ) Tj ET Q q 0 0 0 rg BT 121.99 698.10 Td (definitive ) Tj ET Q q 0 0 0 rg BT 162.71 698.10 Td (proxy ) Tj ET Q q 0 0 0 rg BT 188.44 698.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 229.17 698.10 Td (for ) Tj ET Q q 0 0 0 rg BT 243.23 698.10 Td (its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.08 698.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.08 698.10 Td ( ) Tj ET Q q 0 0 0 rg BT 276.95 698.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 308.79 698.10 Td (Meeting ) Tj ET Q q 0 0 0 rg BT 344.51 698.10 Td (of ) Tj ET Q q 0 0 0 rg BT 355.25 698.10 Td (Stockholders, ) Tj ET Q q 0 0 0 rg BT 412.36 698.10 Td (to ) Tj ET Q q 0 0 0 rg BT 422.54 698.10 Td (be ) Tj ET Q q 0 0 0 rg BT 434.38 698.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 455.11 698.10 Td (by ) Tj ET Q q 0 0 0 rg BT 467.51 698.10 Td (Conn's ) Tj ET Q q 0 0 0 rg BT 497.28 698.10 Td (with ) Tj ET Q q 0 0 0 rg BT 517.46 698.10 Td (the ) Tj ET Q q 0 0 0 rg BT 532.07 698.10 Td (Securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 686.10 Td (and ) Tj ET Q q 0 0 0 rg BT 57.44 686.10 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 99.36 686.10 Td (Commission ) Tj ET Q q 0 0 0 rg BT 152.43 686.10 Td (\("SEC"\) ) Tj ET Q q 0 0 0 rg BT 188.09 686.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 225.03 686.10 Td (to ) Tj ET Q q 0 0 0 rg BT 235.31 686.10 Td (Regulation ) Tj ET Q q 0 0 0 rg BT 281.69 686.10 Td (14A) Tj ET Q q 0 0 0 rg BT 298.36 686.10 Td ( ) Tj ET Q q 0 0 0 rg BT 300.86 686.10 Td (within ) Tj ET Q q 0 0 0 rg BT 328.92 686.10 Td (120 ) Tj ET Q q 0 0 0 rg BT 346.42 686.10 Td (days ) Tj ET Q q 0 0 0 rg BT 367.25 686.10 Td (after ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.06 686.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 436.66 686.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.66 686.10 Td (.) Tj ET Q endstream endobj 7 0 obj <><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><>] /Rotate 0 /Contents 8 0 R>> endobj 8 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 227.05 742.25 Td (CONN'S INC. ) Tj ET Q q 0 0 0 rg BT 290.12 742.25 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 278.90 724.25 Td (FORM 10-K) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 186.60 712.25 Td (FOR ) Tj ET Q q 0 0 0 rg BT 210.03 712.25 Td (THE FISCAL) Tj ET Q q 0 0 0 rg BT 269.77 712.25 Td ( ) Tj ET Q q 0 0 0 rg BT 271.90 712.25 Td (YEAR ENDED ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 340.24 712.25 Td (JANUAR) Tj ET Q q 0 0 0 rg BT 380.99 712.25 Td (Y) Tj ET Q q 0 0 0 rg BT 387.85 712.25 Td (31, 2018) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 252.65 694.25 Td (T) Tj ET Q q 0 0 0 rg BT 258.58 694.25 Td (ABLE OF) Tj ET Q q 0 0 0 rg BT 301.82 694.25 Td ( CONTENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.34 694.25 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 662.75 446.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 662.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 632.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 104.50 632.75 391.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 632.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 602.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 104.50 602.75 391.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 602.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 572.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 104.50 572.75 391.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 572.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 542.75 55.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 104.50 542.75 391.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 542.75 66.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 502.75 55.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 104.50 502.75 391.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 502.75 66.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 462.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 104.50 462.75 391.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 462.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 422.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 104.50 422.75 391.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 422.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 392.75 446.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 392.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 362.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 104.50 362.75 391.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 362.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 322.75 55.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 104.50 322.75 391.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 322.75 66.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 282.75 446.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 282.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 252.75 446.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 222.75 446.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 222.75 66.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 662.75 m 561.5 662.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 667.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.00 667.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 509.10 667.43 Td (Page No.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 255.80 652.43 Td (P) Tj ET Q q 0 0 0 rg BT 261.54 652.43 Td (AR) Tj ET Q q 0 0 0 rg BT 275.43 652.43 Td (T) Tj ET Q q 0 0 0 rg BT 281.84 652.43 Td ( I) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.00 652.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 637.42 Td (ITEM 1.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 107 636.0833984375 m 154.236328125 636.0833984375 l s q 0 0 1 rg BT 107.00 637.42 Td (BUSINESS) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 52.00 622.42 Td (ITEM 1A.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 107 621.0833984375 m 176.375 621.0833984375 l s q 0 0 1 rg BT 107.00 622.42 Td (RISK F) Tj ET Q q 0 0 1 rg BT 137.10 622.42 Td (ACT) Tj ET Q q 0 0 1 rg BT 156.92 622.42 Td (ORS) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 52.00 607.42 Td (ITEM 1B.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 107 606.0833984375 m 263.6357421875 606.0833984375 l s q 0 0 1 rg BT 107.00 607.42 Td (UNRESOL) Tj ET Q q 0 0 1 rg BT 152.20 607.42 Td (VED ST) Tj ET Q q 0 0 1 rg BT 186.12 607.42 Td (AFF COMMENTS) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 52.00 592.42 Td (ITEM 2.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 107 591.0833984375 m 165.30078125 591.0833984375 l s q 0 0 1 rg BT 107.00 592.42 Td (PROPER) Tj ET Q q 0 0 1 rg BT 144.19 592.42 Td (TIES) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 52.00 577.42 Td (ITEM 3.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 107 576.0833984375 m 210.7939453125 576.0833984375 l s q 0 0 1 rg BT 107.00 577.42 Td (LEGAL) Tj ET Q q 0 0 1 rg BT 139.40 577.42 Td ( PROCEEDINGS) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 52.00 562.42 Td (ITEM 4.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 107 561.0833984375 m 242.2001953125 561.0833984375 l s q 0 0 1 rg BT 107.00 562.42 Td (MINE SAFETY) Tj ET Q q 0 0 1 rg BT 172.46 562.42 Td ( DISCLOSURES) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 253.85 547.43 Td (P) Tj ET Q q 0 0 0 rg BT 259.59 547.43 Td (AR) Tj ET Q q 0 0 0 rg BT 273.48 547.43 Td (T) Tj ET Q q 0 0 0 rg BT 279.89 547.43 Td ( II) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.00 547.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 533.32 Td (ITEM 5.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 107 531.9833984375 m 481.326171875 531.9833984375 l s q 0 0 1 rg BT 107.00 533.32 Td (MARKET) Tj ET Q q 0 0 1 rg BT 149.04 533.32 Td ( FOR REGISTRANT'S COMMON EQUITY) Tj ET Q q 0 0 1 rg BT 330.12 533.32 Td (, ) Tj ET Q q 0 0 1 rg BT 334.57 533.32 Td (AND RELA) Tj ET Q q 0 0 1 rg BT 383.73 533.32 Td (TED ST) Tj ET Q q 0 0 1 rg BT 417.16 533.32 Td (OCKHOLDER ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 116 521.9833984375 m 396.2197265625 521.9833984375 l s q 0 0 1 rg BT 116.00 523.32 Td (MA) Tj ET Q q 0 0 1 rg BT 131.00 523.32 Td (TTERS ) Tj ET Q q 0 0 1 rg BT 163.51 523.32 Td (AND ISSUER PURCHASES OF EQUITY) Tj ET Q q 0 0 1 rg BT 337.05 523.32 Td ( SECURITIES) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 52.00 508.32 Td (ITEM 6.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 107 506.9833984375 m 241.09912109375 506.9833984375 l s q 0 0 1 rg BT 107.00 508.32 Td (SELECTED FINANCIAL) Tj ET Q q 0 0 1 rg BT 213.01 508.32 Td ( DA) Tj ET Q q 0 0 1 rg BT 228.85 508.32 Td (T) Tj ET Q q 0 0 1 rg BT 234.15 508.32 Td (A) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 52.00 493.32 Td (ITEM 7.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 107 491.9833984375 m 477.44921875 491.9833984375 l s q 0 0 1 rg BT 107.00 493.32 Td (MANAGEMENT'S DISCUSSION ) Tj ET Q q 0 0 1 rg BT 249.93 493.32 Td (AND ) Tj ET Q q 0 0 1 rg BT 273.54 493.32 Td (ANAL) Tj ET Q q 0 0 1 rg BT 300.32 493.32 Td (YSIS OF FINANCIAL) Tj ET Q q 0 0 1 rg BT 393.29 493.32 Td ( CONDITION ) Tj ET Q q 0 0 1 rg BT 453.28 493.32 Td (AND ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 116 481.9833984375 m 237.3232421875 481.9833984375 l s q 0 0 1 rg BT 116.00 483.32 Td (RESUL) Tj ET Q q 0 0 1 rg BT 146.75 483.32 Td (TS OF OPERA) Tj ET Q q 0 0 1 rg BT 207.88 483.32 Td (TIONS) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 52.00 468.32 Td (ITEM 7A.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 107 466.9833984375 m 446.6923828125 466.9833984375 l s q 0 0 1 rg BT 107.00 468.32 Td (QUANTIT) Tj ET Q q 0 0 1 rg BT 150.63 468.32 Td (A) Tj ET Q q 0 0 1 rg BT 156.75 468.32 Td (TIVE ) Tj ET Q q 0 0 1 rg BT 181.46 468.32 Td (AND QUALIT) Tj ET Q q 0 0 1 rg BT 242.04 468.32 Td (A) Tj ET Q q 0 0 1 rg BT 248.15 468.32 Td (TIVE DISCLOSURES ) Tj ET Q q 0 0 1 rg BT 342.61 468.32 Td (ABOUT) Tj ET Q q 0 0 1 rg BT 376.87 468.32 Td ( MARKET) Tj ET Q q 0 0 1 rg BT 421.41 468.32 Td ( RISK) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 52.00 453.32 Td (ITEM 8.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 107 451.9833984375 m 364.15087890625 451.9833984375 l s q 0 0 1 rg BT 107.00 453.32 Td (FINANCIAL) Tj ET Q q 0 0 1 rg BT 160.52 453.32 Td ( ST) Tj ET Q q 0 0 1 rg BT 173.88 453.32 Td (A) Tj ET Q q 0 0 1 rg BT 180.00 453.32 Td (TEMENTS ) Tj ET Q q 0 0 1 rg BT 228.05 453.32 Td (AND SUPPLEMENT) Tj ET Q q 0 0 1 rg BT 315.87 453.32 Td (AR) Tj ET Q q 0 0 1 rg BT 329.21 453.32 Td (Y) Tj ET Q q 0 0 1 rg BT 336.06 453.32 Td ( DA) Tj ET Q q 0 0 1 rg BT 351.90 453.32 Td (T) Tj ET Q q 0 0 1 rg BT 357.21 453.32 Td (A) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 52.00 438.32 Td (ITEM 9.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 107 436.9833984375 m 491.853515625 436.9833984375 l s q 0 0 1 rg BT 107.00 438.32 Td (CHANGES IN ) Tj ET Q q 0 0 1 rg BT 169.23 438.32 Td (AND DISAGREEMENTS ) Tj ET Q q 0 0 1 rg BT 279.05 438.32 Td (WITH ) Tj ET Q q 0 0 1 rg BT 307.09 438.32 Td (ACCOUNT) Tj ET Q q 0 0 1 rg BT 354.63 438.32 Td (ANTS ON ) Tj ET Q q 0 0 1 rg BT 399.63 438.32 Td (ACCOUNTING ) Tj ET Q q 0 0 1 rg BT 467.69 438.32 Td (AND ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 116 426.9833984375 m 233.6904296875 426.9833984375 l s q 0 0 1 rg BT 116.00 428.32 Td (FINANCIAL) Tj ET Q q 0 0 1 rg BT 169.52 428.32 Td ( DISCLOSURE) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 52.00 413.32 Td (ITEM 9A.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 107 411.9833984375 m 250.9111328125 411.9833984375 l s q 0 0 1 rg BT 107.00 413.32 Td (CONTROLS ) Tj ET Q q 0 0 1 rg BT 161.73 413.32 Td (AND PROCEDURES) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 52.00 398.32 Td (ITEM 9B.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 107 396.9833984375 m 211.7216796875 396.9833984375 l s q 0 0 1 rg BT 107.00 398.32 Td (OTHER INFORMA) Tj ET Q q 0 0 1 rg BT 187.84 398.32 Td (TION) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 251.90 382.43 Td (P) Tj ET Q q 0 0 0 rg BT 257.64 382.43 Td (AR) Tj ET Q q 0 0 0 rg BT 271.53 382.43 Td (T) Tj ET Q q 0 0 0 rg BT 277.94 382.43 Td ( III) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.00 382.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 368.32 Td (ITEM 10.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 107 366.9833984375 m 428.5087890625 366.9833984375 l s q 0 0 1 rg BT 107.00 368.32 Td (DIRECT) Tj ET Q q 0 0 1 rg BT 142.93 368.32 Td (ORS, EXECUTIVE OFFICERS ) Tj ET Q q 0 0 1 rg BT 274.61 368.32 Td (AND CORPORA) Tj ET Q q 0 0 1 rg BT 344.91 368.32 Td (TE GOVERNANCE) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 52.00 353.32 Td (ITEM 1) Tj ET Q q 0 0 0 rg BT 83.75 353.32 Td (1.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 107 351.9833984375 m 242.830078125 351.9833984375 l s q 0 0 1 rg BT 107.00 353.32 Td (EXECUTIVE COMPENSA) Tj ET Q q 0 0 1 rg BT 218.95 353.32 Td (TION) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 52.00 338.32 Td (ITEM 12.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 107 336.9833984375 m 481.5263671875 336.9833984375 l s q 0 0 1 rg BT 107.00 338.32 Td (SECURITY) Tj ET Q q 0 0 1 rg BT 155.52 338.32 Td ( OWNERSHIP) Tj ET Q q 0 0 1 rg BT 215.98 338.32 Td ( OF CER) Tj ET Q q 0 0 1 rg BT 252.62 338.32 Td (T) Tj ET Q q 0 0 1 rg BT 257.92 338.32 Td (AIN BENEFICIAL) Tj ET Q q 0 0 1 rg BT 336.16 338.32 Td ( OWNERS ) Tj ET Q q 0 0 1 rg BT 382.83 338.32 Td (AND MANAGEMENT) Tj ET Q q 0 0 1 rg BT 479.03 338.32 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 116 326.9833984375 m 308.3193359375 326.9833984375 l s q 0 0 1 rg BT 116.00 328.32 Td (AND RELA) Tj ET Q q 0 0 1 rg BT 165.17 328.32 Td (TED ST) Tj ET Q q 0 0 1 rg BT 198.59 328.32 Td (OCKHOLDER MA) Tj ET Q q 0 0 1 rg BT 277.76 328.32 Td (TTERS) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 52.00 313.32 Td (ITEM 13.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 107 311.9833984375 m 454.96875 311.9833984375 l s q 0 0 1 rg BT 107.00 313.32 Td (CER) Tj ET Q q 0 0 1 rg BT 125.85 313.32 Td (T) Tj ET Q q 0 0 1 rg BT 131.16 313.32 Td (AIN RELA) Tj ET Q q 0 0 1 rg BT 176.43 313.32 Td (TIONSHIPS ) Tj ET Q q 0 0 1 rg BT 229.50 313.32 Td (AND RELA) Tj ET Q q 0 0 1 rg BT 278.66 313.32 Td (TED ) Tj ET Q q 0 0 1 rg BT 300.42 313.32 Td (TRANSACTIONS ) Tj ET Q q 0 0 1 rg BT 378.48 313.32 Td (AND DIRECT) Tj ET Q q 0 0 1 rg BT 438.58 313.32 Td (OR ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 116 301.9833984375 m 192.103515625 301.9833984375 l s q 0 0 1 rg BT 116.00 303.32 Td (INDEPENDENCE) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 52.00 288.32 Td (ITEM 14.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 107 286.9833984375 m 325.623046875 286.9833984375 l s q 0 0 1 rg BT 107.00 288.32 Td (PRINCIP) Tj ET Q q 0 0 1 rg BT 144.43 288.32 Td (AL) Tj ET Q q 0 0 1 rg BT 157.39 288.32 Td ( ) Tj ET Q q 0 0 1 rg BT 159.33 288.32 Td (ACCOUNT) Tj ET Q q 0 0 1 rg BT 206.87 288.32 Td (ANT) Tj ET Q q 0 0 1 rg BT 227.24 288.32 Td ( FEES ) Tj ET Q q 0 0 1 rg BT 255.03 288.32 Td (AND SER) Tj ET Q q 0 0 1 rg BT 296.73 288.32 Td (VICES) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 252.30 272.43 Td (P) Tj ET Q q 0 0 0 rg BT 257.67 272.43 Td (AR) Tj ET Q q 0 0 0 rg BT 271.76 272.43 Td (T) Tj ET Q q 0 0 0 rg BT 278.25 272.43 Td ( IV) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.00 272.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 258.32 Td (ITEM 15.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 107 256.9833984375 m 352.3125 256.9833984375 l s q 0 0 1 rg BT 107.00 258.32 Td (EXHIBITS ) Tj ET Q q 0 0 1 rg BT 154.50 258.32 Td (AND FINANCIAL) Tj ET Q q 0 0 1 rg BT 232.18 258.32 Td ( ST) Tj ET Q q 0 0 1 rg BT 245.55 258.32 Td (A) Tj ET Q q 0 0 1 rg BT 251.66 258.32 Td (TEMENT) Tj ET Q q 0 0 1 rg BT 292.03 258.32 Td ( SCHEDULES) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 52 241.08339843750002 m 125.4130859375 241.08339843750002 l s q 0 0 1 rg BT 52.00 242.42 Td (EXHIBIT) Tj ET Q q 0 0 1 rg BT 91.81 242.42 Td ( INDEX) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 228.32 Td (ITEM 16.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 107 226.9833984375 m 211.8388671875 226.9833984375 l s q 0 0 1 rg BT 107.00 228.32 Td (FORM 10-K SUMMAR) Tj ET Q q 0 0 1 rg BT 204.80 228.32 Td (Y) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 52 211.08339843750002 m 113.1181640625 211.08339843750002 l s q 0 0 1 rg BT 52.00 212.42 Td (SIGNA) Tj ET Q q 0 0 1 rg BT 81.45 212.42 Td (TURES) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 196.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.25 Td (This ) Tj ET Q q 0 0 0 rg BT 69.23 184.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 100.52 184.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 129.60 184.25 Td (on ) Tj ET Q q 0 0 0 rg BT 141.46 184.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 164.98 184.25 Td (10-K ) Tj ET Q q 0 0 0 rg BT 187.39 184.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 222.58 184.25 Td (our ) Tj ET Q q 0 0 0 rg BT 237.76 184.25 Td (trademarks ) Tj ET Q q 0 0 0 rg BT 284.05 184.25 Td (such ) Tj ET Q q 0 0 0 rg BT 304.23 184.25 Td (as ) Tj ET Q q 0 0 0 rg BT 314.42 184.25 Td (Conn) Tj ET Q q 0 0 0 rg BT 343.31 184.25 Td (s, ) Tj ET Q q 0 0 0 rg BT 356.00 184.25 Td (Conn) Tj ET Q q 0 0 0 rg BT 384.88 184.25 Td (s ) Tj ET Q q 0 0 0 rg BT 390.63 184.25 Td (HomePlus, ) Tj ET Q q 0 0 0 rg BT 441.10 184.25 Td (YES ) Tj ET Q q 0 0 0 rg BT 466.29 184.25 Td (Money) Tj ET Q q 0 0 0 rg BT 493.97 184.25 Td (, ) Tj ET Q q 0 0 0 rg BT 502.76 184.25 Td (YE$ ) Tj ET Q q 0 0 0 rg BT 527.39 184.25 Td (Money) Tj ET Q q 0 0 0 rg BT 555.07 184.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.49 172.25 Td (our ) Tj ET Q q 0 0 0 rg BT 81.86 172.25 Td (logos, ) Tj ET Q q 0 0 0 rg BT 108.08 172.25 Td (which ) Tj ET Q q 0 0 0 rg BT 134.57 172.25 Td (are ) Tj ET Q q 0 0 0 rg BT 148.82 172.25 Td (protected ) Tj ET Q q 0 0 0 rg BT 188.07 172.25 Td (under ) Tj ET Q q 0 0 0 rg BT 212.89 172.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 256.02 172.25 Td (intellectual ) Tj ET Q q 0 0 0 rg BT 302.49 172.25 Td (property ) Tj ET Q q 0 0 0 rg BT 338.42 172.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 358.80 172.25 Td (and ) Tj ET Q q 0 0 0 rg BT 375.28 172.25 Td (are ) Tj ET Q q 0 0 0 rg BT 389.54 172.25 Td (the ) Tj ET Q q 0 0 0 rg BT 403.80 172.25 Td (property ) Tj ET Q q 0 0 0 rg BT 439.72 172.25 Td (of ) Tj ET Q q 0 0 0 rg BT 450.10 172.25 Td (Conn) Tj ET Q q 0 0 0 rg BT 474.55 172.25 Td (s, ) Tj ET Q q 0 0 0 rg BT 482.99 172.25 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 500.16 172.25 Td (This ) Tj ET Q q 0 0 0 rg BT 519.98 172.25 Td (report ) Tj ET Q q 0 0 0 rg BT 545.91 172.25 Td (also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.25 Td (contains ) Tj ET Q q 0 0 0 rg BT 86.28 160.25 Td (trademarks, ) Tj ET Q q 0 0 0 rg BT 136.16 160.25 Td (service ) Tj ET Q q 0 0 0 rg BT 167.43 160.25 Td (marks, ) Tj ET Q q 0 0 0 rg BT 197.33 160.25 Td (trade ) Tj ET Q q 0 0 0 rg BT 220.27 160.25 Td (names ) Tj ET Q q 0 0 0 rg BT 248.77 160.25 Td (and ) Tj ET Q q 0 0 0 rg BT 266.16 160.25 Td (copyrights ) Tj ET Q q 0 0 0 rg BT 311.33 160.25 Td (of ) Tj ET Q q 0 0 0 rg BT 322.62 160.25 Td (other ) Tj ET Q q 0 0 0 rg BT 346.12 160.25 Td (companies, ) Tj ET Q q 0 0 0 rg BT 394.34 160.25 Td (which ) Tj ET Q q 0 0 0 rg BT 421.74 160.25 Td (are ) Tj ET Q q 0 0 0 rg BT 436.90 160.25 Td (the ) Tj ET Q q 0 0 0 rg BT 452.07 160.25 Td (property ) Tj ET Q q 0 0 0 rg BT 488.90 160.25 Td (of ) Tj ET Q q 0 0 0 rg BT 500.19 160.25 Td (their ) Tj ET Q q 0 0 0 rg BT 521.47 160.25 Td (respective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.25 Td (owners.Solely ) Tj ET Q q 0 0 0 rg BT 112.01 148.25 Td (for ) Tj ET Q q 0 0 0 rg BT 126.25 148.25 Td (convenience, ) Tj ET Q q 0 0 0 rg BT 181.30 148.25 Td (trademarks ) Tj ET Q q 0 0 0 rg BT 228.30 148.25 Td (and ) Tj ET Q q 0 0 0 rg BT 245.31 148.25 Td (trade ) Tj ET Q q 0 0 0 rg BT 267.87 148.25 Td (names ) Tj ET Q q 0 0 0 rg BT 295.99 148.25 Td (referred ) Tj ET Q q 0 0 0 rg BT 330.21 148.25 Td (to ) Tj ET Q q 0 0 0 rg BT 340.56 148.25 Td (in ) Tj ET Q q 0 0 0 rg BT 350.91 148.25 Td (this ) Tj ET Q q 0 0 0 rg BT 367.37 148.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 399.38 148.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 429.18 148.25 Td (may ) Tj ET Q q 0 0 0 rg BT 448.97 148.25 Td (appear ) Tj ET Q q 0 0 0 rg BT 478.19 148.25 Td (without ) Tj ET Q q 0 0 0 rg BT 511.32 148.25 Td (the ) Tj ET Q q 0 0 0 rg BT 526.11 148.25 Td ( ) Tj ET Q q 0 0 0 rg BT 536.29 148.25 Td (or ) Tj ET Q q 0 0 0 rg BT 547.01 148.25 Td (TM ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.25 Td (symbols, ) Tj ET Q q 0 0 0 rg BT 88.04 136.25 Td (but ) Tj ET Q q 0 0 0 rg BT 103.02 136.25 Td (such ) Tj ET Q q 0 0 0 rg BT 123.54 136.25 Td (references ) Tj ET Q q 0 0 0 rg BT 166.82 136.25 Td (are ) Tj ET Q q 0 0 0 rg BT 181.22 136.25 Td (not ) Tj ET Q q 0 0 0 rg BT 196.20 136.25 Td (intended ) Tj ET Q q 0 0 0 rg BT 232.83 136.25 Td (to ) Tj ET Q q 0 0 0 rg BT 242.81 136.25 Td (indicate, ) Tj ET Q q 0 0 0 rg BT 279.16 136.25 Td (in ) Tj ET Q q 0 0 0 rg BT 289.14 136.25 Td (any ) Tj ET Q q 0 0 0 rg BT 305.77 136.25 Td (way) Tj ET Q q 0 0 0 rg BT 321.78 136.25 Td (, ) Tj ET Q q 0 0 0 rg BT 326.48 136.25 Td (that ) Tj ET Q q 0 0 0 rg BT 343.68 136.25 Td (we ) Tj ET Q q 0 0 0 rg BT 357.54 136.25 Td (will ) Tj ET Q q 0 0 0 rg BT 375.29 136.25 Td (not ) Tj ET Q q 0 0 0 rg BT 390.27 136.25 Td (assert, ) Tj ET Q q 0 0 0 rg BT 417.73 136.25 Td (to ) Tj ET Q q 0 0 0 rg BT 427.71 136.25 Td (the ) Tj ET Q q 0 0 0 rg BT 442.13 136.25 Td (fullest ) Tj ET Q q 0 0 0 rg BT 469.32 136.25 Td (extent ) Tj ET Q q 0 0 0 rg BT 495.95 136.25 Td (under ) Tj ET Q q 0 0 0 rg BT 520.92 136.25 Td (applicable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.25 Td (law) Tj ET Q q 0 0 0 rg BT 63.79 124.25 Td (, ) Tj ET Q q 0 0 0 rg BT 68.79 124.25 Td (our ) Tj ET Q q 0 0 0 rg BT 84.62 124.25 Td (rights ) Tj ET Q q 0 0 0 rg BT 109.90 124.25 Td (or ) Tj ET Q q 0 0 0 rg BT 120.73 124.25 Td (the ) Tj ET Q q 0 0 0 rg BT 135.44 124.25 Td (rights ) Tj ET Q q 0 0 0 rg BT 160.72 124.25 Td (of ) Tj ET Q q 0 0 0 rg BT 171.55 124.25 Td (the ) Tj ET Q q 0 0 0 rg BT 186.27 124.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 229.86 124.25 Td (licensor ) Tj ET Q q 0 0 0 rg BT 264.01 124.25 Td (to ) Tj ET Q q 0 0 0 rg BT 274.29 124.25 Td (these ) Tj ET Q q 0 0 0 rg BT 297.34 124.25 Td (trademarks ) Tj ET Q q 0 0 0 rg BT 344.26 124.25 Td (and ) Tj ET Q q 0 0 0 rg BT 361.20 124.25 Td (trade ) Tj ET Q q 0 0 0 rg BT 383.69 124.25 Td (names.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.25 Td (References ) Tj ET Q q 0 0 0 rg BT 97.18 100.25 Td (to ) Tj ET Q q 0 0 0 rg BT 107.72 100.25 Td (we, ) Tj ET Q q 0 0 0 rg BT 133.53 100.25 Td (our) Tj ET Q q 0 0 0 rg BT 150.90 100.25 Td (, ) Tj ET Q q 0 0 0 rg BT 160.60 100.25 Td (us, ) Tj ET Q q 0 0 0 rg BT 183.64 100.25 Td (the ) Tj ET Q q 0 0 0 rg BT 203.06 100.25 Td (Company) Tj ET Q q 0 0 0 rg BT 241.29 100.25 Td (, ) Tj ET Q q 0 0 0 rg BT 251.00 100.25 Td (Conn) Tj ET Q q 0 0 0 rg BT 279.89 100.25 Td (s ) Tj ET Q q 0 0 0 rg BT 290.98 100.25 Td (or ) Tj ET Q q 0 0 0 rg BT 302.08 100.25 Td (CONN ) Tj ET Q q 0 0 0 rg BT 342.06 100.25 Td (refer ) Tj ET Q q 0 0 0 rg BT 363.69 100.25 Td (to ) Tj ET Q q 0 0 0 rg BT 374.23 100.25 Td (Conn's, ) Tj ET Q q 0 0 0 rg BT 406.86 100.25 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 424.90 100.25 Td (and, ) Tj ET Q q 0 0 0 rg BT 444.60 100.25 Td (as ) Tj ET Q q 0 0 0 rg BT 455.70 100.25 Td (apparent ) Tj ET Q q 0 0 0 rg BT 492.89 100.25 Td (from ) Tj ET Q q 0 0 0 rg BT 515.09 100.25 Td (the ) Tj ET Q q 0 0 0 rg BT 530.08 100.25 Td (context, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.25 Td (its ) Tj ET Q q 0 0 0 rg BT 61.95 88.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 114.99 88.25 Td (bankruptcy-remote ) Tj ET Q q 0 0 0 rg BT 193.57 88.25 Td (variable-interest ) Tj ET Q q 0 0 0 rg BT 261.04 88.25 Td (entities ) Tj ET Q q 0 0 0 rg BT 292.42 88.25 Td (\("VIEs"\), ) Tj ET Q q 0 0 0 rg BT 332.79 88.25 Td (and ) Tj ET Q q 0 0 0 rg BT 349.73 88.25 Td (its ) Tj ET Q q 0 0 0 rg BT 361.68 88.25 Td (wholly-owned ) Tj ET Q q 0 0 0 rg BT 421.95 88.25 Td (subsidiaries.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 553 636.0833984375 m 558 636.0833984375 l s q 0 0 1 rg BT 553.00 637.42 Td (4) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 548 621.0833984375 m 558 621.0833984375 l s q 0 0 1 rg BT 548.00 622.42 Td (13) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 548 606.0833984375 m 558 606.0833984375 l s q 0 0 1 rg BT 548.00 607.42 Td (30) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 548 591.0833984375 m 558 591.0833984375 l s q 0 0 1 rg BT 548.00 592.42 Td (30) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 548 576.0833984375 m 558 576.0833984375 l s q 0 0 1 rg BT 548.00 577.42 Td (30) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 548 561.0833984375 m 558 561.0833984375 l s q 0 0 1 rg BT 548.00 562.42 Td (30) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 548 521.0833984375 m 558 521.0833984375 l s q 0 0 1 rg BT 548.00 522.42 Td (30) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 548 506.0833984375 m 558 506.0833984375 l s q 0 0 1 rg BT 548.00 507.42 Td (33) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 548 481.0833984375 m 558 481.0833984375 l s q 0 0 1 rg BT 548.00 482.42 Td (35) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 548 466.0833984375 m 558 466.0833984375 l s q 0 0 1 rg BT 548.00 467.42 Td (54) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 548 451.0833984375 m 558 451.0833984375 l s q 0 0 1 rg BT 548.00 452.42 Td (55) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 548 426.0833984375 m 558 426.0833984375 l s q 0 0 1 rg BT 548.00 427.42 Td (98) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 548 411.0833984375 m 558 411.0833984375 l s q 0 0 1 rg BT 548.00 412.42 Td (98) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 548 396.0833984375 m 558 396.0833984375 l s q 0 0 1 rg BT 548.00 397.42 Td (98) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 548 366.0833984375 m 558 366.0833984375 l s q 0 0 1 rg BT 548.00 367.42 Td (98) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 548 351.0833984375 m 558 351.0833984375 l s q 0 0 1 rg BT 548.00 352.42 Td (98) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 548 326.0833984375 m 558 326.0833984375 l s q 0 0 1 rg BT 548.00 327.42 Td (98) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 548 301.0833984375 m 558 301.0833984375 l s q 0 0 1 rg BT 548.00 302.42 Td (98) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 548 286.0833984375 m 558 286.0833984375 l s q 0 0 1 rg BT 548.00 287.42 Td (98) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 548 256.0833984375 m 558 256.0833984375 l s q 0 0 1 rg BT 548.00 257.42 Td (99) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 548 241.08339843750002 m 558 241.08339843750002 l s q 0 0 1 rg BT 548.00 242.42 Td (99) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 548 226.08339843750002 m 558 226.08339843750002 l s q 0 0 1 rg BT 548.00 227.42 Td (99) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 543 211.08339843750002 m 558 211.08339843750002 l s q 0 0 1 rg BT 543.00 212.42 Td (105) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 9 0 obj <>] /Rotate 0 /Contents 10 0 R>> endobj 10 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (3) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.69 730.10 Td (following ) Tj ET Q q 0 0 0 rg BT 108.16 730.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 152.52 730.10 Td (contains ) Tj ET Q q 0 0 0 rg BT 189.10 730.10 Td (various ) Tj ET Q q 0 0 0 rg BT 221.79 730.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 266.70 730.10 Td (r) Tj ET Q q 0 0 0 rg BT 270.22 730.10 Td (egar) Tj ET Q q 0 0 0 rg BT 288.18 730.10 Td (ding ) Tj ET Q q 0 0 0 rg BT 308.65 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 325.23 730.10 Td (curr) Tj ET Q q 0 0 0 rg BT 342.08 730.10 Td (ent ) Tj ET Q q 0 0 0 rg BT 356.99 730.10 Td (initiatives, ) Tj ET Q q 0 0 0 rg BT 401.62 730.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 439.86 730.10 Td (position, ) Tj ET Q q 0 0 0 rg BT 477.28 730.10 Td (r) Tj ET Q q 0 0 0 rg BT 480.80 730.10 Td (esults ) Tj ET Q q 0 0 0 rg BT 506.26 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 516.73 730.10 Td (operations, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 70.79 718.10 Td (flows, ) Tj ET Q q 0 0 0 rg BT 96.88 718.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 138.23 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 155.69 718.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 193.71 718.10 Td (tr) Tj ET Q q 0 0 0 rg BT 200.01 718.10 Td (ends ) Tj ET Q q 0 0 0 rg BT 220.80 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 238.27 718.10 Td (uncertainties, ) Tj ET Q q 0 0 0 rg BT 295.45 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 306.80 718.10 Td (well ) Tj ET Q q 0 0 0 rg BT 325.93 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 337.29 718.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 368.08 718.10 Td (forwar) Tj ET Q q 0 0 0 rg BT 394.94 718.10 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 435.73 718.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 480.41 718.10 Td (r) Tj ET Q q 0 0 0 rg BT 483.93 718.10 Td (egar) Tj ET Q q 0 0 0 rg BT 501.89 718.10 Td (ding ) Tj ET Q q 0 0 0 rg BT 522.13 718.10 Td (our ) Tj ET Q q 0 0 0 rg BT 538.49 718.10 Td (futur) Tj ET Q q 0 0 0 rg BT 557.57 718.10 Td (e ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (expectations. ) Tj ET Q q 0 0 0 rg BT 104.75 706.10 Td (When ) Tj ET Q q 0 0 0 rg BT 129.78 706.10 Td (used ) Tj ET Q q 0 0 0 rg BT 150.37 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 160.42 706.10 Td (this ) Tj ET Q q 0 0 0 rg BT 177.13 706.10 Td (discussion, ) Tj ET Q q 0 0 0 rg BT 223.56 706.10 Td (wor) Tj ET Q q 0 0 0 rg BT 238.75 706.10 Td (ds ) Tj ET Q q 0 0 0 rg BT 249.91 706.10 Td (such ) Tj ET Q q 0 0 0 rg BT 270.50 706.10 Td (as ) Tj ET Q q 0 0 0 rg BT 281.66 706.10 Td ("anticipate," ) Tj ET Q q 0 0 0 rg BT 334.81 706.10 Td ("believe," ) Tj ET Q q 0 0 0 rg BT 376.29 706.10 Td ("estimate," ) Tj ET Q q 0 0 0 rg BT 422.78 706.10 Td ("expect," ) Tj ET Q q 0 0 0 rg BT 461.47 706.10 Td ("intend," ) Tj ET Q q 0 0 0 rg BT 499.63 706.10 Td ("could," ) Tj ET Q q 0 0 0 rg BT 535.01 706.10 Td ("may) Tj ET Q q 0 0 0 rg BT 555.32 706.10 Td (," ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td ("will," ) Tj ET Q q 0 0 0 rg BT 78.57 694.10 Td ("should," ) Tj ET Q q 0 0 0 rg BT 118.81 694.10 Td ("plan," ) Tj ET Q q 0 0 0 rg BT 150.16 694.10 Td ("pr) Tj ET Q q 0 0 0 rg BT 162.88 694.10 Td (oject," ) Tj ET Q q 0 0 0 rg BT 191.68 694.10 Td ("pr) Tj ET Q q 0 0 0 rg BT 204.40 694.10 Td (edict," ) Tj ET Q q 0 0 0 rg BT 233.21 694.10 Td ("potential," ) Tj ET Q q 0 0 0 rg BT 282.33 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 300.00 694.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 331.01 694.10 Td (expr) Tj ET Q q 0 0 0 rg BT 348.41 694.10 Td (essions ) Tj ET Q q 0 0 0 rg BT 379.97 694.10 Td (ar) Tj ET Q q 0 0 0 rg BT 388.49 694.10 Td (e ) Tj ET Q q 0 0 0 rg BT 395.60 694.10 Td (intended ) Tj ET Q q 0 0 0 rg BT 432.71 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 443.15 694.10 Td (identify ) Tj ET Q q 0 0 0 rg BT 475.82 694.10 Td (such ) Tj ET Q q 0 0 0 rg BT 496.82 694.10 Td (forwar) Tj ET Q q 0 0 0 rg BT 523.68 694.10 Td (d-looking ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (statements. ) Tj ET Q q 0 0 0 rg BT 98.94 682.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 119.27 682.10 Td (forwar) Tj ET Q q 0 0 0 rg BT 146.13 682.10 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 188.67 682.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 235.11 682.10 Td (ar) Tj ET Q q 0 0 0 rg BT 243.63 682.10 Td (e ) Tj ET Q q 0 0 0 rg BT 252.29 682.10 Td (based ) Tj ET Q q 0 0 0 rg BT 279.84 682.10 Td (on ) Tj ET Q q 0 0 0 rg BT 294.06 682.10 Td (our ) Tj ET Q q 0 0 0 rg BT 312.17 682.10 Td (curr) Tj ET Q q 0 0 0 rg BT 329.02 682.10 Td (ent ) Tj ET Q q 0 0 0 rg BT 345.46 682.10 Td (expectations ) Tj ET Q q 0 0 0 rg BT 399.66 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 418.88 682.10 Td (ar) Tj ET Q q 0 0 0 rg BT 427.40 682.10 Td (e ) Tj ET Q q 0 0 0 rg BT 436.06 682.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 468.60 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 480.60 682.10 Td (numer) Tj ET Q q 0 0 0 rg BT 505.78 682.10 Td (ous ) Tj ET Q q 0 0 0 rg BT 523.89 682.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 547.00 682.10 Td (and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (uncertainties. ) Tj ET Q q 0 0 0 rg BT 107.38 670.10 Td (As ) Tj ET Q q 0 0 0 rg BT 120.27 670.10 Td (such, ) Tj ET Q q 0 0 0 rg BT 143.98 670.10 Td (our ) Tj ET Q q 0 0 0 rg BT 160.75 670.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 188.63 670.10 Td (futur) Tj ET Q q 0 0 0 rg BT 207.70 670.10 Td (e ) Tj ET Q q 0 0 0 rg BT 215.02 670.10 Td (r) Tj ET Q q 0 0 0 rg BT 218.54 670.10 Td (esults, ) Tj ET Q q 0 0 0 rg BT 246.70 670.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 300.68 670.10 Td (or ) Tj ET Q q 0 0 0 rg BT 312.45 670.10 Td (achievements ) Tj ET Q q 0 0 0 rg BT 369.20 670.10 Td (may ) Tj ET Q q 0 0 0 rg BT 388.74 670.10 Td (differ ) Tj ET Q q 0 0 0 rg BT 413.28 670.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 457.27 670.10 Td (fr) Tj ET Q q 0 0 0 rg BT 463.57 670.10 Td (om ) Tj ET Q q 0 0 0 rg BT 478.67 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 493.77 670.10 Td (r) Tj ET Q q 0 0 0 rg BT 497.29 670.10 Td (esults ) Tj ET Q q 0 0 0 rg BT 522.95 670.10 Td (expr) Tj ET Q q 0 0 0 rg BT 540.34 670.10 Td (essed ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (in, ) Tj ET Q q 0 0 0 rg BT 62.61 658.10 Td (or ) Tj ET Q q 0 0 0 rg BT 73.83 658.10 Td (implied ) Tj ET Q q 0 0 0 rg BT 106.15 658.10 Td (by) Tj ET Q q 0 0 0 rg BT 115.04 658.10 Td (, ) Tj ET Q q 0 0 0 rg BT 119.86 658.10 Td (our ) Tj ET Q q 0 0 0 rg BT 136.08 658.10 Td (forwar) Tj ET Q q 0 0 0 rg BT 162.94 658.10 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 203.60 658.10 Td (statements. ) Tj ET Q q 0 0 0 rg BT 250.64 658.10 Td (Refer ) Tj ET Q q 0 0 0 rg BT 274.63 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 284.73 658.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 304.83 658.10 Td (1A. ) Tj ET Q q 0 0 0 rg BT 320.77 658.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 340.31 658.10 Td (Factors, ) Tj ET Q q 0 0 0 rg BT 376.25 658.10 Td (in ) Tj ET Q q 0 0 0 rg BT 386.35 658.10 Td (this ) Tj ET Q q 0 0 0 rg BT 403.13 658.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 427.68 658.10 Td (10-K. ) Tj ET Q q 0 0 0 rg BT 452.51 658.10 Td (W) Tj ET Q q 0 0 0 rg BT 459.92 658.10 Td (e ) Tj ET Q q 0 0 0 rg BT 466.69 658.10 Td (assume ) Tj ET Q q 0 0 0 rg BT 498.46 658.10 Td (no ) Tj ET Q q 0 0 0 rg BT 510.79 658.10 Td (obligation ) Tj ET Q q 0 0 0 rg BT 554.23 658.10 Td (to ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (update ) Tj ET Q q 0 0 0 rg BT 79.72 646.10 Td (our ) Tj ET Q q 0 0 0 rg BT 96.11 646.10 Td (forwar) Tj ET Q q 0 0 0 rg BT 122.97 646.10 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 163.79 646.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 208.51 646.10 Td (or ) Tj ET Q q 0 0 0 rg BT 219.90 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 230.18 646.10 Td (pr) Tj ET Q q 0 0 0 rg BT 238.70 646.10 Td (ovide ) Tj ET Q q 0 0 0 rg BT 262.86 646.10 Td (periodic ) Tj ET Q q 0 0 0 rg BT 298.68 646.10 Td (updates ) Tj ET Q q 0 0 0 rg BT 332.29 646.10 Td (or ) Tj ET Q q 0 0 0 rg BT 343.68 646.10 Td (guidance.) Tj ET Q endstream endobj 11 0 obj <>] /Rotate 0 /Contents 12 0 R>> endobj 12 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 289.80 742.25 Td (P) Tj ET Q q 0 0 0 rg BT 295.17 742.25 Td (AR) Tj ET Q q 0 0 0 rg BT 309.26 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 315.75 742.25 Td ( I) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 245.25 724.25 Td (Forward-Looking Statements) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (This ) Tj ET Q q 0 0 0 rg BT 70.07 706.25 Td (r) Tj ET Q q 0 0 0 rg BT 73.60 706.25 Td (eport ) Tj ET Q q 0 0 0 rg BT 97.55 706.25 Td (contains ) Tj ET Q q 0 0 0 rg BT 134.28 706.25 Td (forwar) Tj ET Q q 0 0 0 rg BT 161.14 706.25 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 202.31 706.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 247.37 706.25 Td (within ) Tj ET Q q 0 0 0 rg BT 275.21 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 290.27 706.25 Td (meaning ) Tj ET Q q 0 0 0 rg BT 327.56 706.25 Td (of ) Tj ET Q q 0 0 0 rg BT 338.18 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 353.24 706.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 384.41 706.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 425.57 706.25 Td (laws, ) Tj ET Q q 0 0 0 rg BT 449.26 706.25 Td (including ) Tj ET Q q 0 0 0 rg BT 489.87 706.25 Td (but ) Tj ET Q q 0 0 0 rg BT 505.50 706.25 Td (not ) Tj ET Q q 0 0 0 rg BT 521.12 706.25 Td (limited ) Tj ET Q q 0 0 0 rg BT 551.73 706.25 Td (to, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.05 694.25 Td (Private ) Tj ET Q q 0 0 0 rg BT 95.31 694.25 Td (Securities ) Tj ET Q q 0 0 0 rg BT 136.57 694.25 Td (Litigation ) Tj ET Q q 0 0 0 rg BT 177.85 694.25 Td (Reform ) Tj ET Q q 0 0 0 rg BT 208.99 694.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 224.14 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 233.75 694.25 Td (1995, ) Tj ET Q q 0 0 0 rg BT 258.08 694.25 Td (that ) Tj ET Q q 0 0 0 rg BT 275.46 694.25 Td (involve ) Tj ET Q q 0 0 0 rg BT 306.16 694.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 326.88 694.25 Td (and ) Tj ET Q q 0 0 0 rg BT 343.71 694.25 Td (uncertainties. ) Tj ET Q q 0 0 0 rg BT 400.25 694.25 Td (Such ) Tj ET Q q 0 0 0 rg BT 421.52 694.25 Td (forwar) Tj ET Q q 0 0 0 rg BT 448.38 694.25 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 488.53 694.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 532.58 694.25 Td (include ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (information ) Tj ET Q q 0 0 0 rg BT 99.98 682.25 Td (concerning ) Tj ET Q q 0 0 0 rg BT 147.71 682.25 Td (our ) Tj ET Q q 0 0 0 rg BT 164.35 682.25 Td (futur) Tj ET Q q 0 0 0 rg BT 183.43 682.25 Td (e ) Tj ET Q q 0 0 0 rg BT 190.62 682.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 228.92 682.25 Td (performance, ) Tj ET Q q 0 0 0 rg BT 285.27 682.25 Td (business ) Tj ET Q q 0 0 0 rg BT 321.91 682.25 Td (strategy) Tj ET Q q 0 0 0 rg BT 353.58 682.25 Td (, ) Tj ET Q q 0 0 0 rg BT 358.83 682.25 Td (plans, ) Tj ET Q q 0 0 0 rg BT 385.75 682.25 Td (goals ) Tj ET Q q 0 0 0 rg BT 410.17 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 427.92 682.25 Td (objectives. ) Tj ET Q q 0 0 0 rg BT 473.15 682.25 Td (Statements ) Tj ET Q q 0 0 0 rg BT 519.23 682.25 Td (containing ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 65.22 670.25 Td (wor) Tj ET Q q 0 0 0 rg BT 80.41 670.25 Td (ds ) Tj ET Q q 0 0 0 rg BT 92.31 670.25 Td ("anticipate," ) Tj ET Q q 0 0 0 rg BT 146.21 670.25 Td ("believe," ) Tj ET Q q 0 0 0 rg BT 188.42 670.25 Td ("could," ) Tj ET Q q 0 0 0 rg BT 224.55 670.25 Td ("estimate," ) Tj ET Q q 0 0 0 rg BT 271.78 670.25 Td ("expect," ) Tj ET Q q 0 0 0 rg BT 311.21 670.25 Td ("intend," ) Tj ET Q q 0 0 0 rg BT 350.11 670.25 Td ("may) Tj ET Q q 0 0 0 rg BT 370.42 670.25 Td (," ) Tj ET Q q 0 0 0 rg BT 380.13 670.25 Td ("plan," ) Tj ET Q q 0 0 0 rg BT 411.81 670.25 Td ("pr) Tj ET Q q 0 0 0 rg BT 424.53 670.25 Td (oject," ) Tj ET Q q 0 0 0 rg BT 453.67 670.25 Td ("should," ) Tj ET Q q 0 0 0 rg BT 494.25 670.25 Td ("pr) Tj ET Q q 0 0 0 rg BT 506.97 670.25 Td (edict," ) Tj ET Q q 0 0 0 rg BT 536.11 670.25 Td ("will," ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (potential, ) Tj ET Q q 0 0 0 rg BT 101.36 658.25 Td (or ) Tj ET Q q 0 0 0 rg BT 112.44 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 126.84 658.25 Td (negative ) Tj ET Q q 0 0 0 rg BT 162.90 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 172.87 658.25 Td (such ) Tj ET Q q 0 0 0 rg BT 193.38 658.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 217.79 658.25 Td (or ) Tj ET Q q 0 0 0 rg BT 228.87 658.25 Td (other ) Tj ET Q q 0 0 0 rg BT 252.16 658.25 Td (similar ) Tj ET Q q 0 0 0 rg BT 282.69 658.25 Td (expr) Tj ET Q q 0 0 0 rg BT 300.09 658.25 Td (essions ) Tj ET Q q 0 0 0 rg BT 331.17 658.25 Td (ar) Tj ET Q q 0 0 0 rg BT 339.69 658.25 Td (e ) Tj ET Q q 0 0 0 rg BT 346.31 658.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 386.26 658.25 Td (forwar) Tj ET Q q 0 0 0 rg BT 413.12 658.25 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 453.63 658.25 Td (in ) Tj ET Q q 0 0 0 rg BT 463.60 658.25 Td (natur) Tj ET Q q 0 0 0 rg BT 484.90 658.25 Td (e ) Tj ET Q q 0 0 0 rg BT 491.52 658.25 Td (and ) Tj ET Q q 0 0 0 rg BT 508.71 658.25 Td (not ) Tj ET Q q 0 0 0 rg BT 523.67 658.25 Td (historical ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (facts. ) Tj ET Q q 0 0 0 rg BT 73.47 646.25 Td (Such ) Tj ET Q q 0 0 0 rg BT 94.99 646.25 Td (forwar) Tj ET Q q 0 0 0 rg BT 121.85 646.25 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 162.25 646.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 206.55 646.25 Td (ar) Tj ET Q q 0 0 0 rg BT 215.07 646.25 Td (e ) Tj ET Q q 0 0 0 rg BT 221.59 646.25 Td (based ) Tj ET Q q 0 0 0 rg BT 247.00 646.25 Td (on ) Tj ET Q q 0 0 0 rg BT 259.08 646.25 Td (our ) Tj ET Q q 0 0 0 rg BT 275.05 646.25 Td (curr) Tj ET Q q 0 0 0 rg BT 291.90 646.25 Td (ent ) Tj ET Q q 0 0 0 rg BT 306.20 646.25 Td (expectations. ) Tj ET Q q 0 0 0 rg BT 360.76 646.25 Td (W) Tj ET Q q 0 0 0 rg BT 368.17 646.25 Td (e ) Tj ET Q q 0 0 0 rg BT 374.69 646.25 Td (can ) Tj ET Q q 0 0 0 rg BT 391.21 646.25 Td (give ) Tj ET Q q 0 0 0 rg BT 409.94 646.25 Td (no ) Tj ET Q q 0 0 0 rg BT 422.02 646.25 Td (assurance ) Tj ET Q q 0 0 0 rg BT 464.65 646.25 Td (that ) Tj ET Q q 0 0 0 rg BT 482.29 646.25 Td (such ) Tj ET Q q 0 0 0 rg BT 502.70 646.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 547.00 646.25 Td (will ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (pr) Tj ET Q q 0 0 0 rg BT 58.52 634.25 Td (ove ) Tj ET Q q 0 0 0 rg BT 75.45 634.25 Td (to ) Tj ET Q q 0 0 0 rg BT 86.28 634.25 Td (be ) Tj ET Q q 0 0 0 rg BT 98.78 634.25 Td (corr) Tj ET Q q 0 0 0 rg BT 115.63 634.25 Td (ect, ) Tj ET Q q 0 0 0 rg BT 132.84 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 150.89 634.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 178.94 634.25 Td (r) Tj ET Q q 0 0 0 rg BT 182.46 634.25 Td (esults ) Tj ET Q q 0 0 0 rg BT 208.29 634.25 Td (may ) Tj ET Q q 0 0 0 rg BT 228.01 634.25 Td (differ ) Tj ET Q q 0 0 0 rg BT 252.73 634.25 Td (materially) Tj ET Q q 0 0 0 rg BT 293.28 634.25 Td (. ) Tj ET Q q 0 0 0 rg BT 298.61 634.25 Td (A) Tj ET Q q 0 0 0 rg BT 304.54 634.25 Td ( ) Tj ET Q q 0 0 0 rg BT 307.59 634.25 Td (wide ) Tj ET Q q 0 0 0 rg BT 329.54 634.25 Td (variety ) Tj ET Q q 0 0 0 rg BT 360.35 634.25 Td (of ) Tj ET Q q 0 0 0 rg BT 371.19 634.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 409.79 634.25 Td (risks, ) Tj ET Q q 0 0 0 rg BT 434.24 634.25 Td (uncertainties, ) Tj ET Q q 0 0 0 rg BT 492.00 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 510.06 634.25 Td (other ) Tj ET Q q 0 0 0 rg BT 534.22 634.25 Td (factors ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (could ) Tj ET Q q 0 0 0 rg BT 74.30 622.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 117.49 622.25 Td (affect ) Tj ET Q q 0 0 0 rg BT 141.78 622.25 Td (our ) Tj ET Q q 0 0 0 rg BT 157.76 622.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 185.40 622.25 Td (to ) Tj ET Q q 0 0 0 rg BT 195.26 622.25 Td (achieve ) Tj ET Q q 0 0 0 rg BT 227.87 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 242.17 622.25 Td (r) Tj ET Q q 0 0 0 rg BT 245.70 622.25 Td (esults ) Tj ET Q q 0 0 0 rg BT 270.56 622.25 Td (either ) Tj ET Q q 0 0 0 rg BT 295.97 622.25 Td (expr) Tj ET Q q 0 0 0 rg BT 313.36 622.25 Td (essed ) Tj ET Q q 0 0 0 rg BT 337.11 622.25 Td (or ) Tj ET Q q 0 0 0 rg BT 348.08 622.25 Td (implied ) Tj ET Q q 0 0 0 rg BT 380.16 622.25 Td (by ) Tj ET Q q 0 0 0 rg BT 391.69 622.25 Td (our ) Tj ET Q q 0 0 0 rg BT 407.66 622.25 Td (forwar) Tj ET Q q 0 0 0 rg BT 434.52 622.25 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 474.93 622.25 Td (statements, ) Tj ET Q q 0 0 0 rg BT 521.73 622.25 Td (including, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (but ) Tj ET Q q 0 0 0 rg BT 65.35 610.25 Td (not ) Tj ET Q q 0 0 0 rg BT 80.71 610.25 Td (limited ) Tj ET Q q 0 0 0 rg BT 111.05 610.25 Td (to: ) Tj ET Q q 0 0 0 rg BT 124.74 610.25 Td (general ) Tj ET Q q 0 0 0 rg BT 157.86 610.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 198.75 610.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 242.99 610.25 Td (impacting ) Tj ET Q q 0 0 0 rg BT 285.56 610.25 Td (our ) Tj ET Q q 0 0 0 rg BT 302.02 610.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 345.15 610.25 Td (or ) Tj ET Q q 0 0 0 rg BT 356.62 610.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 394.74 610.25 Td (customers; ) Tj ET Q q 0 0 0 rg BT 441.20 610.25 Td (our ) Tj ET Q q 0 0 0 rg BT 457.67 610.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 485.79 610.25 Td (to ) Tj ET Q q 0 0 0 rg BT 496.15 610.25 Td (execute ) Tj ET Q q 0 0 0 rg BT 528.69 610.25 Td (periodic ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (securitizations ) Tj ET Q q 0 0 0 rg BT 109.76 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 118.96 598.25 Td (futur) Tj ET Q q 0 0 0 rg BT 138.04 598.25 Td (e ) Tj ET Q q 0 0 0 rg BT 143.90 598.25 Td (originated ) Tj ET Q q 0 0 0 rg BT 186.99 598.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 225.08 598.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 248.17 598.25 Td (on ) Tj ET Q q 0 0 0 rg BT 259.60 598.25 Td (favorable ) Tj ET Q q 0 0 0 rg BT 299.35 598.25 Td (terms; ) Tj ET Q q 0 0 0 rg BT 326.32 598.25 Td (our ) Tj ET Q q 0 0 0 rg BT 341.64 598.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 368.62 598.25 Td (to ) Tj ET Q q 0 0 0 rg BT 377.82 598.25 Td (continue ) Tj ET Q q 0 0 0 rg BT 413.68 598.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 446.21 598.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 484.29 598.25 Td (financing ) Tj ET Q q 0 0 0 rg BT 523.49 598.25 Td (pr) Tj ET Q q 0 0 0 rg BT 532.01 598.25 Td (ograms ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (or ) Tj ET Q q 0 0 0 rg BT 60.89 586.25 Td (to ) Tj ET Q q 0 0 0 rg BT 70.66 586.25 Td (offer ) Tj ET Q q 0 0 0 rg BT 91.54 586.25 Td (new ) Tj ET Q q 0 0 0 rg BT 109.65 586.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 148.31 586.25 Td (financing ) Tj ET Q q 0 0 0 rg BT 188.08 586.25 Td (pr) Tj ET Q q 0 0 0 rg BT 196.60 586.25 Td (ograms; ) Tj ET Q q 0 0 0 rg BT 231.93 586.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 266.69 586.25 Td (in ) Tj ET Q q 0 0 0 rg BT 276.47 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 290.68 586.25 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 340.99 586.25 Td (status ) Tj ET Q q 0 0 0 rg BT 366.32 586.25 Td (of ) Tj ET Q q 0 0 0 rg BT 376.10 586.25 Td (our ) Tj ET Q q 0 0 0 rg BT 391.98 586.25 Td (cr) Tj ET Q q 0 0 0 rg BT 399.94 586.25 Td (edit ) Tj ET Q q 0 0 0 rg BT 416.93 586.25 Td (portfolio; ) Tj ET Q q 0 0 0 rg BT 457.26 586.25 Td (unfavorable ) Tj ET Q q 0 0 0 rg BT 507.59 586.25 Td (developments ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.33 574.25 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 95.65 574.25 Td (litigation; ) Tj ET Q q 0 0 0 rg BT 138.20 574.25 Td (incr) Tj ET Q q 0 0 0 rg BT 153.94 574.25 Td (eased ) Tj ET Q q 0 0 0 rg BT 179.26 574.25 Td (r) Tj ET Q q 0 0 0 rg BT 182.78 574.25 Td (egulatory ) Tj ET Q q 0 0 0 rg BT 223.65 574.25 Td (oversight; ) Tj ET Q q 0 0 0 rg BT 266.75 574.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 295.41 574.25 Td (than ) Tj ET Q q 0 0 0 rg BT 315.73 574.25 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 363.27 574.25 Td (net ) Tj ET Q q 0 0 0 rg BT 378.04 574.25 Td (char) Tj ET Q q 0 0 0 rg BT 396.00 574.25 Td (ge-offs ) Tj ET Q q 0 0 0 rg BT 425.76 574.25 Td (in ) Tj ET Q q 0 0 0 rg BT 436.09 574.25 Td (the ) Tj ET Q q 0 0 0 rg BT 450.85 574.25 Td (cr) Tj ET Q q 0 0 0 rg BT 458.81 574.25 Td (edit ) Tj ET Q q 0 0 0 rg BT 476.36 574.25 Td (portfolio; ) Tj ET Q q 0 0 0 rg BT 517.24 574.25 Td (the ) Tj ET Q q 0 0 0 rg BT 532.01 574.25 Td (success ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.27 562.25 Td (our ) Tj ET Q q 0 0 0 rg BT 76.65 562.25 Td (planned ) Tj ET Q q 0 0 0 rg BT 111.36 562.25 Td (opening ) Tj ET Q q 0 0 0 rg BT 146.07 562.25 Td (of ) Tj ET Q q 0 0 0 rg BT 156.34 562.25 Td (new ) Tj ET Q q 0 0 0 rg BT 174.94 562.25 Td (stor) Tj ET Q q 0 0 0 rg BT 190.13 562.25 Td (es; ) Tj ET Q q 0 0 0 rg BT 204.28 562.25 Td (technological ) Tj ET Q q 0 0 0 rg BT 261.20 562.25 Td (and ) Tj ET Q q 0 0 0 rg BT 278.69 562.25 Td (market ) Tj ET Q q 0 0 0 rg BT 308.96 562.25 Td (developments ) Tj ET Q q 0 0 0 rg BT 365.87 562.25 Td (and ) Tj ET Q q 0 0 0 rg BT 383.36 562.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 405.85 562.25 Td (tr) Tj ET Q q 0 0 0 rg BT 412.15 562.25 Td (ends ) Tj ET Q q 0 0 0 rg BT 432.97 562.25 Td (for ) Tj ET Q q 0 0 0 rg BT 447.14 562.25 Td (our ) Tj ET Q q 0 0 0 rg BT 463.52 562.25 Td (major ) Tj ET Q q 0 0 0 rg BT 489.90 562.25 Td (pr) Tj ET Q q 0 0 0 rg BT 498.42 562.25 Td (oduct ) Tj ET Q q 0 0 0 rg BT 523.13 562.25 Td (offerings; ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (our ) Tj ET Q q 0 0 0 rg BT 66.24 550.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 94.15 550.25 Td (to ) Tj ET Q q 0 0 0 rg BT 104.28 550.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 138.29 550.25 Td (effectively ) Tj ET Q q 0 0 0 rg BT 181.17 550.25 Td (the ) Tj ET Q q 0 0 0 rg BT 195.74 550.25 Td (selection ) Tj ET Q q 0 0 0 rg BT 233.63 550.25 Td (of ) Tj ET Q q 0 0 0 rg BT 243.76 550.25 Td (our ) Tj ET Q q 0 0 0 rg BT 260.01 550.25 Td (major ) Tj ET Q q 0 0 0 rg BT 286.25 550.25 Td (pr) Tj ET Q q 0 0 0 rg BT 294.77 550.25 Td (oduct ) Tj ET Q q 0 0 0 rg BT 319.34 550.25 Td (offerings; ) Tj ET Q q 0 0 0 rg BT 360.58 550.25 Td (our ) Tj ET Q q 0 0 0 rg BT 376.82 550.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 404.73 550.25 Td (to ) Tj ET Q q 0 0 0 rg BT 414.86 550.25 Td (pr) Tj ET Q q 0 0 0 rg BT 423.38 550.25 Td (otect ) Tj ET Q q 0 0 0 rg BT 445.17 550.25 Td (against ) Tj ET Q q 0 0 0 rg BT 476.97 550.25 Td (cyber) Tj ET Q q 0 0 0 rg BT 498.97 550.25 Td (-attacks ) Tj ET Q q 0 0 0 rg BT 532.98 550.25 Td (or ) Tj ET Q q 0 0 0 rg BT 544.22 550.25 Td (data ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (security ) Tj ET Q q 0 0 0 rg BT 84.22 538.25 Td (br) Tj ET Q q 0 0 0 rg BT 92.74 538.25 Td (eaches ) Tj ET Q q 0 0 0 rg BT 122.51 538.25 Td (and ) Tj ET Q q 0 0 0 rg BT 140.08 538.25 Td (to ) Tj ET Q q 0 0 0 rg BT 150.42 538.25 Td (pr) Tj ET Q q 0 0 0 rg BT 158.94 538.25 Td (otect ) Tj ET Q q 0 0 0 rg BT 180.94 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 195.72 538.25 Td (integrity ) Tj ET Q q 0 0 0 rg BT 232.17 538.25 Td (and ) Tj ET Q q 0 0 0 rg BT 249.73 538.25 Td (security ) Tj ET Q q 0 0 0 rg BT 283.95 538.25 Td (of ) Tj ET Q q 0 0 0 rg BT 294.30 538.25 Td (individually ) Tj ET Q q 0 0 0 rg BT 344.63 538.25 Td (identifiable ) Tj ET Q q 0 0 0 rg BT 392.74 538.25 Td (data ) Tj ET Q q 0 0 0 rg BT 413.09 538.25 Td (of ) Tj ET Q q 0 0 0 rg BT 423.43 538.25 Td (our ) Tj ET Q q 0 0 0 rg BT 439.89 538.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 483.00 538.25 Td (and ) Tj ET Q q 0 0 0 rg BT 500.57 538.25 Td (employees; ) Tj ET Q q 0 0 0 rg BT 548.11 538.25 Td (our ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 77.97 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 88.16 526.25 Td (fund ) Tj ET Q q 0 0 0 rg BT 108.35 526.25 Td (our ) Tj ET Q q 0 0 0 rg BT 124.65 526.25 Td (operations, ) Tj ET Q q 0 0 0 rg BT 172.35 526.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 202.53 526.25 Td (expenditur) Tj ET Q q 0 0 0 rg BT 244.93 526.25 Td (es, ) Tj ET Q q 0 0 0 rg BT 258.17 526.25 Td (debt ) Tj ET Q q 0 0 0 rg BT 277.80 526.25 Td (r) Tj ET Q q 0 0 0 rg BT 281.32 526.25 Td (epayment ) Tj ET Q q 0 0 0 rg BT 322.05 526.25 Td (and ) Tj ET Q q 0 0 0 rg BT 339.46 526.25 Td (expansion ) Tj ET Q q 0 0 0 rg BT 382.42 526.25 Td (fr) Tj ET Q q 0 0 0 rg BT 388.72 526.25 Td (om ) Tj ET Q q 0 0 0 rg BT 403.36 526.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 424.10 526.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 447.63 526.25 Td (fr) Tj ET Q q 0 0 0 rg BT 453.93 526.25 Td (om ) Tj ET Q q 0 0 0 rg BT 468.57 526.25 Td (operations, ) Tj ET Q q 0 0 0 rg BT 516.26 526.25 Td (borr) Tj ET Q q 0 0 0 rg BT 533.67 526.25 Td (owings ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (fr) Tj ET Q q 0 0 0 rg BT 56.30 514.25 Td (om ) Tj ET Q q 0 0 0 rg BT 70.71 514.25 Td (our ) Tj ET Q q 0 0 0 rg BT 86.78 514.25 Td (r) Tj ET Q q 0 0 0 rg BT 90.30 514.25 Td (evolving ) Tj ET Q q 0 0 0 rg BT 126.36 514.25 Td (cr) Tj ET Q q 0 0 0 rg BT 134.32 514.25 Td (edit ) Tj ET Q q 0 0 0 rg BT 151.50 514.25 Td (facility) Tj ET Q q 0 0 0 rg BT 178.72 514.25 Td (, ) Tj ET Q q 0 0 0 rg BT 183.40 514.25 Td (and ) Tj ET Q q 0 0 0 rg BT 200.59 514.25 Td (pr) Tj ET Q q 0 0 0 rg BT 209.11 514.25 Td (oceeds ) Tj ET Q q 0 0 0 rg BT 238.50 514.25 Td (fr) Tj ET Q q 0 0 0 rg BT 244.80 514.25 Td (om ) Tj ET Q q 0 0 0 rg BT 259.20 514.25 Td (accessing ) Tj ET Q q 0 0 0 rg BT 300.27 514.25 Td (debt ) Tj ET Q q 0 0 0 rg BT 319.67 514.25 Td (or ) Tj ET Q q 0 0 0 rg BT 330.74 514.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 357.36 514.25 Td (markets; ) Tj ET Q q 0 0 0 rg BT 394.54 514.25 Td (and ) Tj ET Q q 0 0 0 rg BT 411.72 514.25 Td (other ) Tj ET Q q 0 0 0 rg BT 435.02 514.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 456.09 514.25 Td (detailed ) Tj ET Q q 0 0 0 rg BT 490.49 514.25 Td (in ) Tj ET Q q 0 0 0 rg BT 500.45 514.25 Td (Part ) Tj ET Q q 0 0 0 rg BT 520.42 514.25 Td (I, ) Tj ET Q q 0 0 0 rg BT 528.43 514.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 548.39 514.25 Td (1A, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (Risk ) Tj ET Q q 0 0 0 rg BT 69.74 502.25 Td (Factors, ) Tj ET Q q 0 0 0 rg BT 105.86 502.25 Td (of ) Tj ET Q q 0 0 0 rg BT 116.16 502.25 Td (this ) Tj ET Q q 0 0 0 rg BT 132.94 502.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 164.35 502.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 194.08 502.25 Td (on ) Tj ET Q q 0 0 0 rg BT 206.60 502.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 231.34 502.25 Td (10-K ) Tj ET Q q 0 0 0 rg BT 253.86 502.25 Td (and ) Tj ET Q q 0 0 0 rg BT 271.38 502.25 Td (other ) Tj ET Q q 0 0 0 rg BT 295.01 502.25 Td (r) Tj ET Q q 0 0 0 rg BT 298.53 502.25 Td (eports ) Tj ET Q q 0 0 0 rg BT 326.05 502.25 Td (filed ) Tj ET Q q 0 0 0 rg BT 346.34 502.25 Td (with ) Tj ET Q q 0 0 0 rg BT 366.08 502.25 Td (the ) Tj ET Q q 0 0 0 rg BT 380.82 502.25 Td (SEC. ) Tj ET Q q 0 0 0 rg BT 403.62 502.25 Td (If ) Tj ET Q q 0 0 0 rg BT 412.24 502.25 Td (one ) Tj ET Q q 0 0 0 rg BT 429.20 502.25 Td (or ) Tj ET Q q 0 0 0 rg BT 440.61 502.25 Td (mor) Tj ET Q q 0 0 0 rg BT 456.35 502.25 Td (e ) Tj ET Q q 0 0 0 rg BT 463.31 502.25 Td (of ) Tj ET Q q 0 0 0 rg BT 473.61 502.25 Td (these ) Tj ET Q q 0 0 0 rg BT 496.67 502.25 Td (or ) Tj ET Q q 0 0 0 rg BT 508.08 502.25 Td (other ) Tj ET Q q 0 0 0 rg BT 531.71 502.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 553.12 502.25 Td (or ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (uncertainties ) Tj ET Q q 0 0 0 rg BT 105.58 490.25 Td (materialize ) Tj ET Q q 0 0 0 rg BT 153.94 490.25 Td (\(or ) Tj ET Q q 0 0 0 rg BT 169.53 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 185.12 490.25 Td (consequences ) Tj ET Q q 0 0 0 rg BT 243.46 490.25 Td (of ) Tj ET Q q 0 0 0 rg BT 254.61 490.25 Td (such ) Tj ET Q q 0 0 0 rg BT 276.31 490.25 Td (a ) Tj ET Q q 0 0 0 rg BT 284.67 490.25 Td (development ) Tj ET Q q 0 0 0 rg BT 338.58 490.25 Td (changes\), ) Tj ET Q q 0 0 0 rg BT 380.54 490.25 Td (or ) Tj ET Q q 0 0 0 rg BT 392.80 490.25 Td (should ) Tj ET Q q 0 0 0 rg BT 422.84 490.25 Td (our ) Tj ET Q q 0 0 0 rg BT 440.10 490.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 486.79 490.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 539.61 490.25 Td (pr) Tj ET Q q 0 0 0 rg BT 548.13 490.25 Td (ove ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (incorr) Tj ET Q q 0 0 0 rg BT 74.63 478.25 Td (ect, ) Tj ET Q q 0 0 0 rg BT 91.23 478.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 118.67 478.25 Td (outcomes ) Tj ET Q q 0 0 0 rg BT 158.88 478.25 Td (may ) Tj ET Q q 0 0 0 rg BT 177.98 478.25 Td (vary ) Tj ET Q q 0 0 0 rg BT 198.19 478.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 241.74 478.25 Td (fr) Tj ET Q q 0 0 0 rg BT 248.04 478.25 Td (om ) Tj ET Q q 0 0 0 rg BT 262.70 478.25 Td (those ) Tj ET Q q 0 0 0 rg BT 286.25 478.25 Td (r) Tj ET Q q 0 0 0 rg BT 289.77 478.25 Td (eflected ) Tj ET Q q 0 0 0 rg BT 323.30 478.25 Td (in ) Tj ET Q q 0 0 0 rg BT 333.53 478.25 Td (our ) Tj ET Q q 0 0 0 rg BT 349.86 478.25 Td (forwar) Tj ET Q q 0 0 0 rg BT 376.72 478.25 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 417.49 478.25 Td (statements. ) Tj ET Q q 0 0 0 rg BT 464.65 478.25 Td (Y) Tj ET Q q 0 0 0 rg BT 469.29 478.25 Td (ou ) Tj ET Q q 0 0 0 rg BT 481.73 478.25 Td (ar) Tj ET Q q 0 0 0 rg BT 490.25 478.25 Td (e ) Tj ET Q q 0 0 0 rg BT 497.14 478.25 Td (cautioned ) Tj ET Q q 0 0 0 rg BT 539.01 478.25 Td (not ) Tj ET Q q 0 0 0 rg BT 554.23 478.25 Td (to ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (place ) Tj ET Q q 0 0 0 rg BT 73.56 466.25 Td (undue ) Tj ET Q q 0 0 0 rg BT 99.90 466.25 Td (r) Tj ET Q q 0 0 0 rg BT 103.42 466.25 Td (eliance ) Tj ET Q q 0 0 0 rg BT 134.19 466.25 Td (on ) Tj ET Q q 0 0 0 rg BT 146.09 466.25 Td (these ) Tj ET Q q 0 0 0 rg BT 168.54 466.25 Td (forwar) Tj ET Q q 0 0 0 rg BT 195.40 466.25 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 235.62 466.25 Td (statements, ) Tj ET Q q 0 0 0 rg BT 282.24 466.25 Td (which ) Tj ET Q q 0 0 0 rg BT 308.03 466.25 Td (speak ) Tj ET Q q 0 0 0 rg BT 332.70 466.25 Td (only ) Tj ET Q q 0 0 0 rg BT 351.82 466.25 Td (as ) Tj ET Q q 0 0 0 rg BT 362.61 466.25 Td (of ) Tj ET Q q 0 0 0 rg BT 372.29 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 386.41 466.25 Td (date ) Tj ET Q q 0 0 0 rg BT 405.52 466.25 Td (of ) Tj ET Q q 0 0 0 rg BT 415.20 466.25 Td (this ) Tj ET Q q 0 0 0 rg BT 431.55 466.25 Td (r) Tj ET Q q 0 0 0 rg BT 435.07 466.25 Td (eport. ) Tj ET Q q 0 0 0 rg BT 460.58 466.25 Td (W) Tj ET Q q 0 0 0 rg BT 467.99 466.25 Td (e ) Tj ET Q q 0 0 0 rg BT 474.33 466.25 Td (disclaim ) Tj ET Q q 0 0 0 rg BT 510.12 466.25 Td (any ) Tj ET Q q 0 0 0 rg BT 526.46 466.25 Td (intention ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (or ) Tj ET Q q 0 0 0 rg BT 61.37 454.25 Td (obligation ) Tj ET Q q 0 0 0 rg BT 104.96 454.25 Td (to ) Tj ET Q q 0 0 0 rg BT 115.22 454.25 Td (update ) Tj ET Q q 0 0 0 rg BT 144.91 454.25 Td (publicly ) Tj ET Q q 0 0 0 rg BT 179.60 454.25 Td (or ) Tj ET Q q 0 0 0 rg BT 190.97 454.25 Td (r) Tj ET Q q 0 0 0 rg BT 194.49 454.25 Td (evise ) Tj ET Q q 0 0 0 rg BT 216.96 454.25 Td (such ) Tj ET Q q 0 0 0 rg BT 237.76 454.25 Td (statements, ) Tj ET Q q 0 0 0 rg BT 284.96 454.25 Td (whether ) Tj ET Q q 0 0 0 rg BT 319.65 454.25 Td (as ) Tj ET Q q 0 0 0 rg BT 331.02 454.25 Td (a ) Tj ET Q q 0 0 0 rg BT 338.50 454.25 Td (r) Tj ET Q q 0 0 0 rg BT 342.02 454.25 Td (esult ) Tj ET Q q 0 0 0 rg BT 363.39 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 373.64 454.25 Td (new ) Tj ET Q q 0 0 0 rg BT 392.23 454.25 Td (information, ) Tj ET Q q 0 0 0 rg BT 444.43 454.25 Td (futur) Tj ET Q q 0 0 0 rg BT 463.51 454.25 Td (e ) Tj ET Q q 0 0 0 rg BT 470.43 454.25 Td (events ) Tj ET Q q 0 0 0 rg BT 497.89 454.25 Td (or ) Tj ET Q q 0 0 0 rg BT 509.26 454.25 Td (otherwise, ) Tj ET Q q 0 0 0 rg BT 553.13 454.25 Td (or ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.68 442.25 Td (pr) Tj ET Q q 0 0 0 rg BT 69.20 442.25 Td (ovide ) Tj ET Q q 0 0 0 rg BT 93.75 442.25 Td (periodic ) Tj ET Q q 0 0 0 rg BT 129.97 442.25 Td (updates ) Tj ET Q q 0 0 0 rg BT 163.98 442.25 Td (or ) Tj ET Q q 0 0 0 rg BT 175.77 442.25 Td (guidance. ) Tj ET Q q 0 0 0 rg BT 217.61 442.25 Td (All ) Tj ET Q q 0 0 0 rg BT 232.18 442.25 Td (forwar) Tj ET Q q 0 0 0 rg BT 259.04 442.25 Td (d-looking ) Tj ET Q q 0 0 0 rg BT 300.26 442.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 345.37 442.25 Td (attributable ) Tj ET Q q 0 0 0 rg BT 395.49 442.25 Td (to ) Tj ET Q q 0 0 0 rg BT 406.17 442.25 Td (us, ) Tj ET Q q 0 0 0 rg BT 420.46 442.25 Td (or ) Tj ET Q q 0 0 0 rg BT 432.25 442.25 Td (to ) Tj ET Q q 0 0 0 rg BT 442.93 442.25 Td (persons ) Tj ET Q q 0 0 0 rg BT 476.94 442.25 Td (acting ) Tj ET Q q 0 0 0 rg BT 504.83 442.25 Td (on ) Tj ET Q q 0 0 0 rg BT 517.73 442.25 Td (our ) Tj ET Q q 0 0 0 rg BT 534.52 442.25 Td (behalf, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (ar) Tj ET Q q 0 0 0 rg BT 58.52 430.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.46 430.25 Td (expr) Tj ET Q q 0 0 0 rg BT 82.86 430.25 Td (essly ) Tj ET Q q 0 0 0 rg BT 104.79 430.25 Td (qualified ) Tj ET Q q 0 0 0 rg BT 142.85 430.25 Td (in ) Tj ET Q q 0 0 0 rg BT 153.13 430.25 Td (their ) Tj ET Q q 0 0 0 rg BT 174.51 430.25 Td (entir) Tj ET Q q 0 0 0 rg BT 193.03 430.25 Td (ety ) Tj ET Q q 0 0 0 rg BT 207.18 430.25 Td (by ) Tj ET Q q 0 0 0 rg BT 219.12 430.25 Td (these ) Tj ET Q q 0 0 0 rg BT 242.17 430.25 Td (cautionary ) Tj ET Q q 0 0 0 rg BT 287.99 430.25 Td (statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (ITEM ) Tj ET Q q 0 0 0 rg BT 79.17 406.25 Td (1. ) Tj ET Q q 0 0 0 rg BT 89.17 406.25 Td ( ) Tj ET Q q 0 0 0 rg BT 104.00 406.25 Td (BUSINESS.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.86 406.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 388.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 94.17 388.25 Td (Overview) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.27 388.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (Conn's, ) Tj ET Q q 0 0 0 rg BT 82.63 370.25 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 103.16 370.25 Td (a ) Tj ET Q q 0 0 0 rg BT 110.37 370.25 Td (Delaware ) Tj ET Q q 0 0 0 rg BT 151.44 370.25 Td (corporation, ) Tj ET Q q 0 0 0 rg BT 202.80 370.25 Td (is ) Tj ET Q q 0 0 0 rg BT 212.23 370.25 Td (a ) Tj ET Q q 0 0 0 rg BT 219.43 370.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 252.76 370.25 Td (company ) Tj ET Q q 0 0 0 rg BT 292.18 370.25 Td (with ) Tj ET Q q 0 0 0 rg BT 312.72 370.25 Td (no ) Tj ET Q q 0 0 0 rg BT 325.48 370.25 Td (independent ) Tj ET Q q 0 0 0 rg BT 377.12 370.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 403.22 370.25 Td (or ) Tj ET Q q 0 0 0 rg BT 414.31 370.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 458.73 370.25 Td (other ) Tj ET Q q 0 0 0 rg BT 482.04 370.25 Td (than ) Tj ET Q q 0 0 0 rg BT 502.03 370.25 Td (its ) Tj ET Q q 0 0 0 rg BT 514.24 370.25 Td (investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.45 358.25 Td (its ) Tj ET Q q 0 0 0 rg BT 72.57 358.25 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 124.95 358.25 Td (References ) Tj ET Q q 0 0 0 rg BT 172.04 358.25 Td (to ) Tj ET Q q 0 0 0 rg BT 182.49 358.25 Td (we, ) Tj ET Q q 0 0 0 rg BT 208.19 358.25 Td (our) Tj ET Q q 0 0 0 rg BT 225.56 358.25 Td (, ) Tj ET Q q 0 0 0 rg BT 235.17 358.25 Td (us, ) Tj ET Q q 0 0 0 rg BT 258.11 358.25 Td (the ) Tj ET Q q 0 0 0 rg BT 277.43 358.25 Td (Company) Tj ET Q q 0 0 0 rg BT 315.67 358.25 Td (, ) Tj ET Q q 0 0 0 rg BT 325.28 358.25 Td (Conn) Tj ET Q q 0 0 0 rg BT 354.17 358.25 Td (s ) Tj ET Q q 0 0 0 rg BT 365.17 358.25 Td (or ) Tj ET Q q 0 0 0 rg BT 376.17 358.25 Td (CONN ) Tj ET Q q 0 0 0 rg BT 416.05 358.25 Td (refer ) Tj ET Q q 0 0 0 rg BT 437.58 358.25 Td (to ) Tj ET Q q 0 0 0 rg BT 448.03 358.25 Td (Conn) Tj ET Q q 0 0 0 rg BT 472.48 358.25 Td (s ) Tj ET Q q 0 0 0 rg BT 479.04 358.25 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 496.98 358.25 Td (and, ) Tj ET Q q 0 0 0 rg BT 516.59 358.25 Td (as ) Tj ET Q q 0 0 0 rg BT 527.59 358.25 Td (apparent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (from ) Tj ET Q q 0 0 0 rg BT 72.41 346.25 Td (the ) Tj ET Q q 0 0 0 rg BT 87.60 346.25 Td (context, ) Tj ET Q q 0 0 0 rg BT 122.50 346.25 Td (its ) Tj ET Q q 0 0 0 rg BT 134.92 346.25 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 187.61 346.25 Td (Conn's ) Tj ET Q q 0 0 0 rg BT 217.94 346.25 Td (is ) Tj ET Q q 0 0 0 rg BT 227.59 346.25 Td (a ) Tj ET Q q 0 0 0 rg BT 235.00 346.25 Td (leading ) Tj ET Q q 0 0 0 rg BT 267.40 346.25 Td (specialty ) Tj ET Q q 0 0 0 rg BT 305.91 346.25 Td (retailer ) Tj ET Q q 0 0 0 rg BT 337.19 346.25 Td (that ) Tj ET Q q 0 0 0 rg BT 355.16 346.25 Td (of) Tj ET Q q 0 0 0 rg BT 363.31 346.25 Td (fers ) Tj ET Q q 0 0 0 rg BT 381.27 346.25 Td (a ) Tj ET Q q 0 0 0 rg BT 388.68 346.25 Td (broad ) Tj ET Q q 0 0 0 rg BT 414.42 346.25 Td (selection ) Tj ET Q q 0 0 0 rg BT 452.93 346.25 Td (of ) Tj ET Q q 0 0 0 rg BT 464.24 346.25 Td (quality) Tj ET Q q 0 0 0 rg BT 491.36 346.25 Td (, ) Tj ET Q q 0 0 0 rg BT 496.83 346.25 Td (branded ) Tj ET Q q 0 0 0 rg BT 532.01 346.25 Td (durable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 92.32 334.25 Td (goods ) Tj ET Q q 0 0 0 rg BT 119.66 334.25 Td (and ) Tj ET Q q 0 0 0 rg BT 137.55 334.25 Td (related ) Tj ET Q q 0 0 0 rg BT 168.20 334.25 Td (services ) Tj ET Q q 0 0 0 rg BT 203.85 334.25 Td (in ) Tj ET Q q 0 0 0 rg BT 215.08 334.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 251.30 334.25 Td (to ) Tj ET Q q 0 0 0 rg BT 262.52 334.25 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 310.40 334.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 336.61 334.25 Td (solutions ) Tj ET Q q 0 0 0 rg BT 376.17 334.25 Td (for ) Tj ET Q q 0 0 0 rg BT 391.28 334.25 Td (its ) Tj ET Q q 0 0 0 rg BT 404.17 334.25 Td (core ) Tj ET Q q 0 0 0 rg BT 424.83 334.25 Td (credit-constrained ) Tj ET Q q 0 0 0 rg BT 500.46 334.25 Td (consumers. ) Tj ET Q q 0 0 0 rg BT 548.93 334.25 Td (W) Tj ET Q q 0 0 0 rg BT 557.57 334.25 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.25 Td (operate ) Tj ET Q q 0 0 0 rg BT 82.12 322.25 Td (an ) Tj ET Q q 0 0 0 rg BT 94.26 322.25 Td (integrated ) Tj ET Q q 0 0 0 rg BT 136.94 322.25 Td (and ) Tj ET Q q 0 0 0 rg BT 154.08 322.25 Td (scalable ) Tj ET Q q 0 0 0 rg BT 188.98 322.25 Td (business ) Tj ET Q q 0 0 0 rg BT 225.57 322.25 Td (through ) Tj ET Q q 0 0 0 rg BT 259.38 322.25 Td (our ) Tj ET Q q 0 0 0 rg BT 275.41 322.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 298.65 322.25 Td (stores ) Tj ET Q q 0 0 0 rg BT 324.68 322.25 Td (and ) Tj ET Q q 0 0 0 rg BT 341.82 322.25 Td (website. ) Tj ET Q q 0 0 0 rg BT 377.56 322.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 395.81 322.25 Td (complementary ) Tj ET Q q 0 0 0 rg BT 460.71 322.25 Td (product ) Tj ET Q q 0 0 0 rg BT 493.96 322.25 Td (of) Tj ET Q q 0 0 0 rg BT 502.10 322.25 Td (ferings ) Tj ET Q q 0 0 0 rg BT 532.57 322.25 Td (include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.25 Td (furniture ) Tj ET Q q 0 0 0 rg BT 87.81 310.25 Td (and ) Tj ET Q q 0 0 0 rg BT 105.07 310.25 Td (mattresses, ) Tj ET Q q 0 0 0 rg BT 152.04 310.25 Td (home ) Tj ET Q q 0 0 0 rg BT 177.08 310.25 Td (appliances, ) Tj ET Q q 0 0 0 rg BT 224.60 310.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 266.30 310.25 Td (electronics ) Tj ET Q q 0 0 0 rg BT 312.43 310.25 Td (and ) Tj ET Q q 0 0 0 rg BT 329.69 310.25 Td (home ) Tj ET Q q 0 0 0 rg BT 354.73 310.25 Td (of) Tj ET Q q 0 0 0 rg BT 362.88 310.25 Td (fice ) Tj ET Q q 0 0 0 rg BT 380.69 310.25 Td (products ) Tj ET Q q 0 0 0 rg BT 417.95 310.25 Td (from ) Tj ET Q q 0 0 0 rg BT 440.21 310.25 Td (leading ) Tj ET Q q 0 0 0 rg BT 472.46 310.25 Td (global ) Tj ET Q q 0 0 0 rg BT 500.28 310.25 Td (brands ) Tj ET Q q 0 0 0 rg BT 529.76 310.25 Td (across ) Tj ET Q q 0 0 0 rg BT 557.57 310.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (wide ) Tj ET Q q 0 0 0 rg BT 71.00 298.25 Td (range ) Tj ET Q q 0 0 0 rg BT 94.78 298.25 Td (of ) Tj ET Q q 0 0 0 rg BT 104.67 298.25 Td (price ) Tj ET Q q 0 0 0 rg BT 126.23 298.25 Td (points. ) Tj ET Q q 0 0 0 rg BT 154.74 298.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 171.86 298.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 196.19 298.25 Td (of) Tj ET Q q 0 0 0 rg BT 204.34 298.25 Td (fering ) Tj ET Q q 0 0 0 rg BT 229.78 298.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 265.79 298.25 Td (financing ) Tj ET Q q 0 0 0 rg BT 305.12 298.25 Td (solutions ) Tj ET Q q 0 0 0 rg BT 342.80 298.25 Td (to ) Tj ET Q q 0 0 0 rg BT 352.15 298.25 Td (a ) Tj ET Q q 0 0 0 rg BT 358.15 298.25 Td (lar) Tj ET Q q 0 0 0 rg BT 368.52 298.25 Td (ge, ) Tj ET Q q 0 0 0 rg BT 382.02 298.25 Td (under) Tj ET Q q 0 0 0 rg BT 404.59 298.25 Td (-served ) Tj ET Q q 0 0 0 rg BT 435.59 298.25 Td (population ) Tj ET Q q 0 0 0 rg BT 479.93 298.25 Td (of ) Tj ET Q q 0 0 0 rg BT 489.82 298.25 Td (credit-constrained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (consumers ) Tj ET Q q 0 0 0 rg BT 94.68 286.25 Td (who ) Tj ET Q q 0 0 0 rg BT 113.81 286.25 Td (typically ) Tj ET Q q 0 0 0 rg BT 150.71 286.25 Td (have ) Tj ET Q q 0 0 0 rg BT 171.50 286.25 Td (limited ) Tj ET Q q 0 0 0 rg BT 201.74 286.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 226.42 286.25 Td (alternatives. ) Tj ET Q q 0 0 0 rg BT 276.78 286.25 Td (W) Tj ET Q q 0 0 0 rg BT 285.41 286.25 Td (e ) Tj ET Q q 0 0 0 rg BT 291.76 286.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 324.22 286.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 366.68 286.25 Td (the ) Tj ET Q q 0 0 0 rg BT 380.81 286.25 Td (opportunity ) Tj ET Q q 0 0 0 rg BT 429.38 286.25 Td (to ) Tj ET Q q 0 0 0 rg BT 439.07 286.25 Td (comparison ) Tj ET Q q 0 0 0 rg BT 487.64 286.25 Td (shop ) Tj ET Q q 0 0 0 rg BT 508.44 286.25 Td (across ) Tj ET Q q 0 0 0 rg BT 535.34 286.25 Td (brands ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.25 Td (with ) Tj ET Q q 0 0 0 rg BT 69.90 274.25 Td (confidence ) Tj ET Q q 0 0 0 rg BT 115.89 274.25 Td (in ) Tj ET Q q 0 0 0 rg BT 125.80 274.25 Td (our ) Tj ET Q q 0 0 0 rg BT 141.25 274.25 Td (competitive ) Tj ET Q q 0 0 0 rg BT 190.58 274.25 Td (prices ) Tj ET Q q 0 0 0 rg BT 216.59 274.25 Td (as ) Tj ET Q q 0 0 0 rg BT 227.04 274.25 Td (well ) Tj ET Q q 0 0 0 rg BT 246.38 274.25 Td (as ) Tj ET Q q 0 0 0 rg BT 256.84 274.25 Td (af) Tj ET Q q 0 0 0 rg BT 264.43 274.25 Td (fordable ) Tj ET Q q 0 0 0 rg BT 299.87 274.25 Td (monthly ) Tj ET Q q 0 0 0 rg BT 335.33 274.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 371.89 274.25 Td (options, ) Tj ET Q q 0 0 0 rg BT 405.96 274.25 Td (next ) Tj ET Q q 0 0 0 rg BT 425.30 274.25 Td (day ) Tj ET Q q 0 0 0 rg BT 441.87 274.25 Td (delivery ) Tj ET Q q 0 0 0 rg BT 476.76 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 493.32 274.25 Td (installation ) Tj ET Q q 0 0 0 rg BT 539.88 274.25 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 274.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (majority ) Tj ET Q q 0 0 0 rg BT 86.89 262.25 Td (of ) Tj ET Q q 0 0 0 rg BT 98.23 262.25 Td (our ) Tj ET Q q 0 0 0 rg BT 114.57 262.25 Td (markets ) Tj ET Q q 0 0 0 rg BT 149.24 262.25 Td (and ) Tj ET Q q 0 0 0 rg BT 166.69 262.25 Td (product ) Tj ET Q q 0 0 0 rg BT 200.24 262.25 Td (repair ) Tj ET Q q 0 0 0 rg BT 226.57 262.25 Td (service. ) Tj ET Q q 0 0 0 rg BT 260.18 262.25 Td (W) Tj ET Q q 0 0 0 rg BT 268.82 262.25 Td (e ) Tj ET Q q 0 0 0 rg BT 276.26 262.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 308.15 262.25 Td (our ) Tj ET Q q 0 0 0 rg BT 324.49 262.25 Td (lar) Tj ET Q q 0 0 0 rg BT 334.85 262.25 Td (ge, ) Tj ET Q q 0 0 0 rg BT 349.80 262.25 Td (attractively ) Tj ET Q q 0 0 0 rg BT 397.79 262.25 Td (merchandised ) Tj ET Q q 0 0 0 rg BT 456.33 262.25 Td (stores ) Tj ET Q q 0 0 0 rg BT 482.67 262.25 Td (and ) Tj ET Q q 0 0 0 rg BT 500.12 262.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 525.89 262.25 Td (solutions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 250.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 71.75 250.25 Td (a ) Tj ET Q q 0 0 0 rg BT 78.69 250.25 Td (distinctive ) Tj ET Q q 0 0 0 rg BT 122.85 250.25 Td (value ) Tj ET Q q 0 0 0 rg BT 147.00 250.25 Td (proposition ) Tj ET Q q 0 0 0 rg BT 195.06 250.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 236.98 250.25 Td (to ) Tj ET Q q 0 0 0 rg BT 247.26 250.25 Td (other ) Tj ET Q q 0 0 0 rg BT 270.31 250.25 Td (retailers ) Tj ET Q q 0 0 0 rg BT 305.01 250.25 Td (that ) Tj ET Q q 0 0 0 rg BT 322.50 250.25 Td (tar) Tj ET Q q 0 0 0 rg BT 332.87 250.25 Td (get ) Tj ET Q q 0 0 0 rg BT 347.59 250.25 Td (our ) Tj ET Q q 0 0 0 rg BT 363.42 250.25 Td (core ) Tj ET Q q 0 0 0 rg BT 383.13 250.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 422.28 250.25 Td (demographic.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.05 232.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 92.21 232.25 Td (year ) Tj ET Q q 0 0 0 rg BT 111.91 232.25 Td (ends ) Tj ET Q q 0 0 0 rg BT 132.74 232.25 Td (on ) Tj ET Q q 0 0 0 rg BT 145.24 232.25 Td (January ) Tj ET Q q 0 0 0 rg BT 178.84 232.25 Td (31. ) Tj ET Q q 0 0 0 rg BT 193.84 232.25 Td (References ) Tj ET Q q 0 0 0 rg BT 240.76 232.25 Td (to ) Tj ET Q q 0 0 0 rg BT 251.04 232.25 Td (a ) Tj ET Q q 0 0 0 rg BT 257.97 232.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 282.13 232.25 Td (year ) Tj ET Q q 0 0 0 rg BT 301.84 232.25 Td (refer ) Tj ET Q q 0 0 0 rg BT 323.20 232.25 Td (to ) Tj ET Q q 0 0 0 rg BT 333.48 232.25 Td (the ) Tj ET Q q 0 0 0 rg BT 348.20 232.25 Td (calendar ) Tj ET Q q 0 0 0 rg BT 384.56 232.25 Td (year ) Tj ET Q q 0 0 0 rg BT 404.27 232.25 Td (in ) Tj ET Q q 0 0 0 rg BT 414.55 232.25 Td (which ) Tj ET Q q 0 0 0 rg BT 441.48 232.25 Td (the ) Tj ET Q q 0 0 0 rg BT 456.20 232.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 480.36 232.25 Td (year ) Tj ET Q q 0 0 0 rg BT 500.06 232.25 Td (ends.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 214.25 Td (Operating ) Tj ET Q q 0 0 0 rg BT 96.39 214.25 Td (Segments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 196.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.37 196.25 Td (operate ) Tj ET Q q 0 0 0 rg BT 97.09 196.25 Td (two ) Tj ET Q q 0 0 0 rg BT 114.39 196.25 Td (reportable ) Tj ET Q q 0 0 0 rg BT 157.22 196.25 Td (segments: ) Tj ET Q q 0 0 0 rg BT 199.51 196.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 222.35 196.25 Td (and ) Tj ET Q q 0 0 0 rg BT 239.08 196.25 Td (credit. ) Tj ET Q q 0 0 0 rg BT 266.64 196.25 Td (Information ) Tj ET Q q 0 0 0 rg BT 316.70 196.25 Td (regarding ) Tj ET Q q 0 0 0 rg BT 357.31 196.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 392.94 196.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 445.75 196.25 Td (is ) Tj ET Q q 0 0 0 rg BT 454.72 196.25 Td (included ) Tj ET Q q 0 0 0 rg BT 491.45 196.25 Td (in ) Tj ET Q q 0 0 0 rg BT 501.53 196.25 Td (Part ) Tj ET Q q 0 0 0 rg BT 519.93 196.25 Td (II, ) Tj ET Q q 0 0 0 rg BT 531.39 196.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 552.01 196.25 Td (7., ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 184.25 Td (Management's ) Tj ET Q q 0 0 0 rg BT 110.14 184.25 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 155.94 184.25 Td (and ) Tj ET Q q 0 0 0 rg BT 172.70 184.25 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 208.50 184.25 Td (of ) Tj ET Q q 0 0 0 rg BT 218.18 184.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 258.96 184.25 Td (Condition ) Tj ET Q q 0 0 0 rg BT 300.87 184.25 Td (and ) Tj ET Q q 0 0 0 rg BT 317.78 184.25 Td (Results ) Tj ET Q q 0 0 0 rg BT 348.57 184.25 Td (of ) Tj ET Q q 0 0 0 rg BT 358.25 184.25 Td (Operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.25 184.25 Td (, ) Tj ET Q q 0 0 0 rg BT 407.66 184.25 Td (and ) Tj ET Q q 0 0 0 rg BT 424.00 184.25 Td (Part ) Tj ET Q q 0 0 0 rg BT 442.01 184.25 Td (II, ) Tj ET Q q 0 0 0 rg BT 453.08 184.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 473.30 184.25 Td (8. ) Tj ET Q q 0 0 0 rg BT 482.71 184.25 Td (in ) Tj ET Q q 0 0 0 rg BT 492.39 184.25 Td (Note ) Tj ET Q q 0 0 0 rg BT 513.73 184.25 Td (14, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 528.14 184.25 Td (Segment ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 172.25 Td (Information) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.78 172.25 Td (, ) Tj ET Q q 0 0 0 rg BT 102.78 172.25 Td (of ) Tj ET Q q 0 0 0 rg BT 113.61 172.25 Td (the ) Tj ET Q q 0 0 0 rg BT 128.33 172.25 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 183.60 172.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 223.31 172.25 Td (Statements ) Tj ET Q q 0 0 0 rg BT 269.69 172.25 Td (of ) Tj ET Q q 0 0 0 rg BT 280.52 172.25 Td (this ) Tj ET Q q 0 0 0 rg BT 296.92 172.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 328.86 172.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 358.57 172.25 Td (on ) Tj ET Q q 0 0 0 rg BT 371.07 172.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 395.24 172.25 Td (10-K. ) Tj ET Q q 0 0 0 rg BT 420.80 172.25 Td () Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 154.25 Td (Retail ) Tj ET Q q 0 0 0 rg BT 77.56 154.25 Td (Segment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.62 154.25 Td () Tj ET Q q 0 0 0 rg BT 117.94 154.25 Td (W) Tj ET Q q 0 0 0 rg BT 126.57 154.25 Td (e ) Tj ET Q q 0 0 0 rg BT 134.13 154.25 Td (began ) Tj ET Q q 0 0 0 rg BT 161.12 154.25 Td (as ) Tj ET Q q 0 0 0 rg BT 172.57 154.25 Td (a ) Tj ET Q q 0 0 0 rg BT 180.12 154.25 Td (small ) Tj ET Q q 0 0 0 rg BT 204.91 154.25 Td (plumbing ) Tj ET Q q 0 0 0 rg BT 246.36 154.25 Td (and ) Tj ET Q q 0 0 0 rg BT 263.91 154.25 Td (heating ) Tj ET Q q 0 0 0 rg BT 296.46 154.25 Td (business ) Tj ET Q q 0 0 0 rg BT 333.47 154.25 Td (in ) Tj ET Q q 0 0 0 rg BT 344.37 154.25 Td (1890 ) Tj ET Q q 0 0 0 rg BT 367.48 154.25 Td (and ) Tj ET Q q 0 0 0 rg BT 385.04 154.25 Td (started ) Tj ET Q q 0 0 0 rg BT 414.81 154.25 Td (selling ) Tj ET Q q 0 0 0 rg BT 444.59 154.25 Td (home ) Tj ET Q q 0 0 0 rg BT 469.93 154.25 Td (appliances ) Tj ET Q q 0 0 0 rg BT 515.24 154.25 Td (to ) Tj ET Q q 0 0 0 rg BT 526.14 154.25 Td (the ) Tj ET Q q 0 0 0 rg BT 541.47 154.25 Td (retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.25 Td (market ) Tj ET Q q 0 0 0 rg BT 80.00 142.25 Td (in ) Tj ET Q q 0 0 0 rg BT 90.01 142.25 Td (1937 ) Tj ET Q q 0 0 0 rg BT 112.24 142.25 Td (through ) Tj ET Q q 0 0 0 rg BT 145.59 142.25 Td (one ) Tj ET Q q 0 0 0 rg BT 162.26 142.25 Td (store ) Tj ET Q q 0 0 0 rg BT 183.93 142.25 Td (located ) Tj ET Q q 0 0 0 rg BT 215.04 142.25 Td (in ) Tj ET Q q 0 0 0 rg BT 225.05 142.25 Td (Beaumont, ) Tj ET Q q 0 0 0 rg BT 270.72 142.25 Td (T) Tj ET Q q 0 0 0 rg BT 276.13 142.25 Td (exas. ) Tj ET Q q 0 0 0 rg BT 298.14 142.25 Td (As ) Tj ET Q q 0 0 0 rg BT 311.49 142.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.06 142.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 370.39 142.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.39 142.25 Td (, ) Tj ET Q q 0 0 0 rg BT 395.12 142.25 Td (we ) Tj ET Q q 0 0 0 rg BT 409.02 142.25 Td (operated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.67 142.25 Td (1) Tj ET Q q 0 0 0 rg BT 450.30 142.25 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.30 142.25 Td ( ) Tj ET Q q 0 0 0 rg BT 462.54 142.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 485.31 142.25 Td (stores ) Tj ET Q q 0 0 0 rg BT 510.88 142.25 Td (located ) Tj ET Q q 0 0 0 rg BT 541.98 142.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.99 142.25 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 561.99 142.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.25 Td (states. ) Tj ET Q q 0 0 0 rg BT 76.34 130.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 93.51 130.25 Td (stores ) Tj ET Q q 0 0 0 rg BT 118.47 130.25 Td (typically ) Tj ET Q q 0 0 0 rg BT 155.08 130.25 Td (range ) Tj ET Q q 0 0 0 rg BT 178.91 130.25 Td (in ) Tj ET Q q 0 0 0 rg BT 188.31 130.25 Td (size ) Tj ET Q q 0 0 0 rg BT 205.48 130.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.54 130.25 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.04 130.25 Td ( ) Tj ET Q q 0 0 0 rg BT 255.66 130.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.06 130.25 Td (50,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.56 130.25 Td ( ) Tj ET Q q 0 0 0 rg BT 294.19 130.25 Td (square ) Tj ET Q q 0 0 0 rg BT 321.91 130.25 Td (feet ) Tj ET Q q 0 0 0 rg BT 338.52 130.25 Td (and ) Tj ET Q q 0 0 0 rg BT 354.58 130.25 Td (are ) Tj ET Q q 0 0 0 rg BT 368.41 130.25 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 428.35 130.25 Td (located ) Tj ET Q q 0 0 0 rg BT 458.84 130.25 Td (in ) Tj ET Q q 0 0 0 rg BT 468.24 130.25 Td (areas ) Tj ET Q q 0 0 0 rg BT 490.40 130.25 Td (densely ) Tj ET Q q 0 0 0 rg BT 522.57 130.25 Td (populated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.25 Td (by ) Tj ET Q q 0 0 0 rg BT 62.50 118.25 Td (our ) Tj ET Q q 0 0 0 rg BT 78.33 118.25 Td (core ) Tj ET Q q 0 0 0 rg BT 98.04 118.25 Td (customers. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 100.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.38 100.25 Td (utilize ) Tj ET Q q 0 0 0 rg BT 92.67 100.25 Td (a ) Tj ET Q q 0 0 0 rg BT 99.41 100.25 Td (merchandising ) Tj ET Q q 0 0 0 rg BT 160.59 100.25 Td (strategy ) Tj ET Q q 0 0 0 rg BT 194.54 100.25 Td (that ) Tj ET Q q 0 0 0 rg BT 211.84 100.25 Td (of) Tj ET Q q 0 0 0 rg BT 219.99 100.25 Td (fers ) Tj ET Q q 0 0 0 rg BT 237.28 100.25 Td (a ) Tj ET Q q 0 0 0 rg BT 244.02 100.25 Td (wide ) Tj ET Q q 0 0 0 rg BT 265.76 100.25 Td (range ) Tj ET Q q 0 0 0 rg BT 290.27 100.25 Td (of ) Tj ET Q q 0 0 0 rg BT 300.91 100.25 Td (quality) Tj ET Q q 0 0 0 rg BT 328.03 100.25 Td (, ) Tj ET Q q 0 0 0 rg BT 332.83 100.25 Td (branded ) Tj ET Q q 0 0 0 rg BT 367.34 100.25 Td (products ) Tj ET Q q 0 0 0 rg BT 404.08 100.25 Td (across ) Tj ET Q q 0 0 0 rg BT 431.37 100.25 Td (a ) Tj ET Q q 0 0 0 rg BT 438.12 100.25 Td (broad ) Tj ET Q q 0 0 0 rg BT 463.19 100.25 Td (spectrum ) Tj ET Q q 0 0 0 rg BT 502.14 100.25 Td (of ) Tj ET Q q 0 0 0 rg BT 512.78 100.25 Td (price ) Tj ET Q q 0 0 0 rg BT 535.06 100.25 Td (points. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.25 Td (This ) Tj ET Q q 0 0 0 rg BT 70.52 88.25 Td (wide ) Tj ET Q q 0 0 0 rg BT 92.70 88.25 Td (selection ) Tj ET Q q 0 0 0 rg BT 130.99 88.25 Td (allows ) Tj ET Q q 0 0 0 rg BT 159.84 88.25 Td (us ) Tj ET Q q 0 0 0 rg BT 171.47 88.25 Td (to ) Tj ET Q q 0 0 0 rg BT 182.00 88.25 Td (of) Tj ET Q q 0 0 0 rg BT 190.15 88.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 203.99 88.25 Td (products ) Tj ET Q q 0 0 0 rg BT 241.17 88.25 Td (and ) Tj ET Q q 0 0 0 rg BT 258.35 88.25 Td (price ) Tj ET Q q 0 0 0 rg BT 281.08 88.25 Td (points ) Tj ET Q q 0 0 0 rg BT 308.27 88.25 Td (that ) Tj ET Q q 0 0 0 rg BT 326.01 88.25 Td (appeal ) Tj ET Q q 0 0 0 rg BT 354.85 88.25 Td (to ) Tj ET Q q 0 0 0 rg BT 365.37 88.25 Td (the ) Tj ET Q q 0 0 0 rg BT 380.33 88.25 Td (majority ) Tj ET Q q 0 0 0 rg BT 416.95 88.25 Td (of ) Tj ET Q q 0 0 0 rg BT 428.03 88.25 Td (our ) Tj ET Q q 0 0 0 rg BT 444.10 88.25 Td (core ) Tj ET Q q 0 0 0 rg BT 464.05 88.25 Td (consumers. ) Tj ET Q q 0 0 0 rg BT 512.06 88.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 530.36 88.25 Td (primary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 73.04 76.25 Td (product ) Tj ET Q q 0 0 0 rg BT 106.09 76.25 Td (categories ) Tj ET Q q 0 0 0 rg BT 149.12 76.25 Td (include:) Tj ET Q endstream endobj 13 0 obj <>] /Rotate 0 /Contents 14 0 R>> endobj 14 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 742.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 742.10 Td (Furniture ) Tj ET Q q 0 0 0 rg BT 125.20 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 141.61 742.10 Td (mattress, ) Tj ET Q q 0 0 0 rg BT 179.42 742.10 Td (including ) Tj ET Q q 0 0 0 rg BT 219.17 742.10 Td (furniture ) Tj ET Q q 0 0 0 rg BT 256.13 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 272.55 742.10 Td (related ) Tj ET Q q 0 0 0 rg BT 301.73 742.10 Td (accessories ) Tj ET Q q 0 0 0 rg BT 348.69 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 362.33 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.52 742.10 Td (living ) Tj ET Q q 0 0 0 rg BT 401.84 742.10 Td (room, ) Tj ET Q q 0 0 0 rg BT 427.42 742.10 Td (dining ) Tj ET Q q 0 0 0 rg BT 454.96 742.10 Td (room ) Tj ET Q q 0 0 0 rg BT 478.05 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 494.46 742.10 Td (bedroom, ) Tj ET Q q 0 0 0 rg BT 534.49 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 544.80 742.10 Td (well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 96.30 730.10 Td (both ) Tj ET Q q 0 0 0 rg BT 116.05 730.10 Td (traditional ) Tj ET Q q 0 0 0 rg BT 159.12 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 175.53 730.10 Td (specialty ) Tj ET Q q 0 0 0 rg BT 213.04 730.10 Td (mattresses. ) Tj ET Q q 0 0 0 rg BT 259.02 730.10 Td (W) Tj ET Q q 0 0 0 rg BT 267.66 730.10 Td (e ) Tj ET Q q 0 0 0 rg BT 274.07 730.10 Td (of) Tj ET Q q 0 0 0 rg BT 282.22 730.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 295.29 730.10 Td (brands ) Tj ET Q q 0 0 0 rg BT 323.92 730.10 Td (such ) Tj ET Q q 0 0 0 rg BT 344.22 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 354.52 730.10 Td (Corinthian, ) Tj ET Q q 0 0 0 rg BT 401.76 730.10 Td (Franklin, ) Tj ET Q q 0 0 0 rg BT 440.12 730.10 Td (Catnapper) Tj ET Q q 0 0 0 rg BT 480.81 730.10 Td (, ) Tj ET Q q 0 0 0 rg BT 485.28 730.10 Td (Serta ) Tj ET Q q 0 0 0 rg BT 507.80 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 524.21 730.10 Td (Simmons ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 718.10 Td (Beautyrest.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 700.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 700.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 113.89 700.10 Td (appliance, ) Tj ET Q q 0 0 0 rg BT 158.15 700.10 Td (including ) Tj ET Q q 0 0 0 rg BT 199.37 700.10 Td (refrigerators, ) Tj ET Q q 0 0 0 rg BT 254.74 700.10 Td (freezers, ) Tj ET Q q 0 0 0 rg BT 292.32 700.10 Td (washers, ) Tj ET Q q 0 0 0 rg BT 330.48 700.10 Td (dryers, ) Tj ET Q q 0 0 0 rg BT 361.42 700.10 Td (dishwashers ) Tj ET Q q 0 0 0 rg BT 413.75 700.10 Td (and ) Tj ET Q q 0 0 0 rg BT 431.64 700.10 Td (ranges.) Tj ET Q q 0 0 0 rg BT 462.56 700.10 Td (W) Tj ET Q q 0 0 0 rg BT 471.20 700.10 Td (e ) Tj ET Q q 0 0 0 rg BT 479.09 700.10 Td (of) Tj ET Q q 0 0 0 rg BT 487.24 700.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 501.78 700.10 Td (brands ) Tj ET Q q 0 0 0 rg BT 531.89 700.10 Td (such ) Tj ET Q q 0 0 0 rg BT 553.67 700.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 688.10 Td (Samsung, ) Tj ET Q q 0 0 0 rg BT 127.67 688.10 Td (LG, ) Tj ET Q q 0 0 0 rg BT 146.00 688.10 Td (General ) Tj ET Q q 0 0 0 rg BT 180.15 688.10 Td (Electric, ) Tj ET Q q 0 0 0 rg BT 216.05 688.10 Td (Whirlpool, ) Tj ET Q q 0 0 0 rg BT 262.16 688.10 Td (Maytag ) Tj ET Q q 0 0 0 rg BT 295.20 688.10 Td (and ) Tj ET Q q 0 0 0 rg BT 312.14 688.10 Td (Frigidaire.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 670.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 670.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 128.98 670.10 Td (electronics, ) Tj ET Q q 0 0 0 rg BT 176.66 670.10 Td (including ) Tj ET Q q 0 0 0 rg BT 216.31 670.10 Td (LED, ) Tj ET Q q 0 0 0 rg BT 240.12 670.10 Td (OLED, ) Tj ET Q q 0 0 0 rg BT 271.15 670.10 Td (QLED, ) Tj ET Q q 0 0 0 rg BT 302.18 670.10 Td (4K ) Tj ET Q q 0 0 0 rg BT 316.27 670.10 Td (Ultra ) Tj ET Q q 0 0 0 rg BT 338.69 670.10 Td (HD, ) Tj ET Q q 0 0 0 rg BT 357.51 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 373.82 670.10 Td (smart ) Tj ET Q q 0 0 0 rg BT 397.91 670.10 Td (televisions, ) Tj ET Q q 0 0 0 rg BT 445.05 670.10 Td (Blu-ray ) Tj ET Q q 0 0 0 rg BT 477.47 670.10 Td (players, ) Tj ET Q q 0 0 0 rg BT 510.72 670.10 Td (home ) Tj ET Q q 0 0 0 rg BT 534.81 670.10 Td (theater ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 102.94 658.10 Td (portable ) Tj ET Q q 0 0 0 rg BT 138.20 658.10 Td (audio ) Tj ET Q q 0 0 0 rg BT 162.92 658.10 Td (equipment. ) Tj ET Q q 0 0 0 rg BT 209.95 658.10 Td (W) Tj ET Q q 0 0 0 rg BT 218.59 658.10 Td (e ) Tj ET Q q 0 0 0 rg BT 225.53 658.10 Td (of) Tj ET Q q 0 0 0 rg BT 233.68 658.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 247.27 658.10 Td (brands ) Tj ET Q q 0 0 0 rg BT 276.43 658.10 Td (such ) Tj ET Q q 0 0 0 rg BT 297.26 658.10 Td (as ) Tj ET Q q 0 0 0 rg BT 308.09 658.10 Td (Samsung, ) Tj ET Q q 0 0 0 rg BT 349.76 658.10 Td (LG, ) Tj ET Q q 0 0 0 rg BT 368.09 658.10 Td (Sony) Tj ET Q q 0 0 0 rg BT 388.01 658.10 Td (, ) Tj ET Q q 0 0 0 rg BT 393.01 658.10 Td (Monster) Tj ET Q q 0 0 0 rg BT 425.94 658.10 Td (, ) Tj ET Q q 0 0 0 rg BT 430.94 658.10 Td (Bose ) Tj ET Q q 0 0 0 rg BT 453.44 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 470.38 658.10 Td (Beats.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 640.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 640.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 112.94 640.10 Td (of) Tj ET Q q 0 0 0 rg BT 121.09 640.10 Td (fice, ) Tj ET Q q 0 0 0 rg BT 141.07 640.10 Td (including ) Tj ET Q q 0 0 0 rg BT 181.35 640.10 Td (computers, ) Tj ET Q q 0 0 0 rg BT 228.00 640.10 Td (printers ) Tj ET Q q 0 0 0 rg BT 261.05 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 277.99 640.10 Td (accessories. ) Tj ET Q q 0 0 0 rg BT 327.78 640.10 Td (W) Tj ET Q q 0 0 0 rg BT 336.42 640.10 Td (e ) Tj ET Q q 0 0 0 rg BT 343.36 640.10 Td (of) Tj ET Q q 0 0 0 rg BT 351.51 640.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 365.11 640.10 Td (brands ) Tj ET Q q 0 0 0 rg BT 394.27 640.10 Td (such ) Tj ET Q q 0 0 0 rg BT 415.10 640.10 Td (as ) Tj ET Q q 0 0 0 rg BT 425.93 640.10 Td (HP) Tj ET Q q 0 0 0 rg BT 437.60 640.10 Td (, ) Tj ET Q q 0 0 0 rg BT 442.60 640.10 Td (Dell, ) Tj ET Q q 0 0 0 rg BT 464.27 640.10 Td (Apple, ) Tj ET Q q 0 0 0 rg BT 493.71 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 510.64 640.10 Td (Microsoft. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 622.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.02 622.10 Td (strive ) Tj ET Q q 0 0 0 rg BT 89.17 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 98.89 622.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 126.93 622.10 Td (that ) Tj ET Q q 0 0 0 rg BT 143.87 622.10 Td (our ) Tj ET Q q 0 0 0 rg BT 159.14 622.10 Td (customers' ) Tj ET Q q 0 0 0 rg BT 203.43 622.10 Td (shopping ) Tj ET Q q 0 0 0 rg BT 242.04 622.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 287.28 622.10 Td (at ) Tj ET Q q 0 0 0 rg BT 296.44 622.10 Td (Conn's ) Tj ET Q q 0 0 0 rg BT 325.74 622.10 Td (is ) Tj ET Q q 0 0 0 rg BT 334.36 622.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 357.95 622.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 370.17 622.10 Td (or ) Tj ET Q q 0 0 0 rg BT 380.44 622.10 Td (exceeds, ) Tj ET Q q 0 0 0 rg BT 416.53 622.10 Td (their ) Tj ET Q q 0 0 0 rg BT 436.79 622.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 482.04 622.10 Td (with ) Tj ET Q q 0 0 0 rg BT 501.76 622.10 Td (other ) Tj ET Q q 0 0 0 rg BT 524.24 622.10 Td (providers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.79 610.10 Td (durable ) Tj ET Q q 0 0 0 rg BT 95.23 610.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 137.56 610.10 Td (goods ) Tj ET Q q 0 0 0 rg BT 164.91 610.10 Td (tar) Tj ET Q q 0 0 0 rg BT 175.27 610.10 Td (geting ) Tj ET Q q 0 0 0 rg BT 203.73 610.10 Td (our ) Tj ET Q q 0 0 0 rg BT 220.51 610.10 Td (core ) Tj ET Q q 0 0 0 rg BT 241.17 610.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 281.29 610.10 Td (demographic. ) Tj ET Q q 0 0 0 rg BT 339.19 610.10 Td (W) Tj ET Q q 0 0 0 rg BT 347.83 610.10 Td (e ) Tj ET Q q 0 0 0 rg BT 355.73 610.10 Td (of) Tj ET Q q 0 0 0 rg BT 363.88 610.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 378.43 610.10 Td (a ) Tj ET Q q 0 0 0 rg BT 386.33 610.10 Td (high ) Tj ET Q q 0 0 0 rg BT 407.56 610.10 Td (level ) Tj ET Q q 0 0 0 rg BT 430.45 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 442.24 610.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 482.35 610.10 Td (service ) Tj ET Q q 0 0 0 rg BT 514.12 610.10 Td (through ) Tj ET Q q 0 0 0 rg BT 548.68 610.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (commissioned ) Tj ET Q q 0 0 0 rg BT 111.06 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 128.78 598.10 Td (trained ) Tj ET Q q 0 0 0 rg BT 159.83 598.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 182.56 598.10 Td (force, ) Tj ET Q q 0 0 0 rg BT 208.88 598.10 Td (next ) Tj ET Q q 0 0 0 rg BT 229.38 598.10 Td (day ) Tj ET Q q 0 0 0 rg BT 247.11 598.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 283.16 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 300.88 598.10 Td (installation ) Tj ET Q q 0 0 0 rg BT 348.61 598.10 Td (in ) Tj ET Q q 0 0 0 rg BT 359.67 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 375.18 598.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 412.34 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 423.96 598.10 Td (our ) Tj ET Q q 0 0 0 rg BT 440.58 598.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 475.52 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 493.24 598.10 Td (product ) Tj ET Q q 0 0 0 rg BT 527.08 598.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 553.68 598.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (replacement ) Tj ET Q q 0 0 0 rg BT 101.94 586.10 Td (services ) Tj ET Q q 0 0 0 rg BT 137.22 586.10 Td (for ) Tj ET Q q 0 0 0 rg BT 151.96 586.10 Td (most ) Tj ET Q q 0 0 0 rg BT 174.49 586.10 Td (items ) Tj ET Q q 0 0 0 rg BT 199.24 586.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 218.99 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 229.85 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 246.26 586.10 Td (stores. ) Tj ET Q q 0 0 0 rg BT 275.17 586.10 Td (Flexible ) Tj ET Q q 0 0 0 rg BT 311.02 586.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 348.53 586.10 Td (alternatives ) Tj ET Q q 0 0 0 rg BT 397.70 586.10 Td (of) Tj ET Q q 0 0 0 rg BT 405.85 586.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 429.47 586.10 Td (through ) Tj ET Q q 0 0 0 rg BT 463.66 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 480.07 586.10 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 527.57 586.10 Td (in-house ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 74.54 574.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 114.08 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 130.30 574.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 174.83 574.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 214.37 574.10 Td (alternatives ) Tj ET Q q 0 0 0 rg BT 262.24 574.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 294.56 574.10 Td (our ) Tj ET Q q 0 0 0 rg BT 309.66 574.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 351.98 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 365.98 574.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 393.30 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 402.86 574.10 Td (make ) Tj ET Q q 0 0 0 rg BT 426.29 574.10 Td (aspirational ) Tj ET Q q 0 0 0 rg BT 474.71 574.10 Td (purchases. ) Tj ET Q q 0 0 0 rg BT 518.29 574.10 Td (W) Tj ET Q q 0 0 0 rg BT 526.92 574.10 Td (e ) Tj ET Q q 0 0 0 rg BT 533.14 574.10 Td (believe ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.38 562.10 Td (extensive ) Tj ET Q q 0 0 0 rg BT 105.20 562.10 Td (brand ) Tj ET Q q 0 0 0 rg BT 130.01 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 146.50 562.10 Td (product ) Tj ET Q q 0 0 0 rg BT 179.10 562.10 Td (selection, ) Tj ET Q q 0 0 0 rg BT 219.19 562.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 268.45 562.10 Td (pricing, ) Tj ET Q q 0 0 0 rg BT 301.33 562.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 341.14 562.10 Td (alternatives ) Tj ET Q q 0 0 0 rg BT 389.28 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 405.77 562.10 Td (supporting ) Tj ET Q q 0 0 0 rg BT 450.60 562.10 Td (services, ) Tj ET Q q 0 0 0 rg BT 487.36 562.10 Td (combined ) Tj ET Q q 0 0 0 rg BT 528.84 562.10 Td (with ) Tj ET Q q 0 0 0 rg BT 548.67 562.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 90.12 550.10 Td (service-focused ) Tj ET Q q 0 0 0 rg BT 156.33 550.10 Td (store, ) Tj ET Q q 0 0 0 rg BT 181.73 550.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 217.96 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 235.86 550.10 Td (service ) Tj ET Q q 0 0 0 rg BT 267.64 550.10 Td (associates ) Tj ET Q q 0 0 0 rg BT 311.08 550.10 Td (make ) Tj ET Q q 0 0 0 rg BT 336.20 550.10 Td (us ) Tj ET Q q 0 0 0 rg BT 348.56 550.10 Td (an ) Tj ET Q q 0 0 0 rg BT 361.46 550.10 Td (attractive ) Tj ET Q q 0 0 0 rg BT 402.12 550.10 Td (alternative ) Tj ET Q q 0 0 0 rg BT 447.78 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 459.02 550.10 Td (appliance ) Tj ET Q q 0 0 0 rg BT 500.80 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 518.70 550.10 Td (electronics ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (superstores, ) Tj ET Q q 0 0 0 rg BT 100.02 538.10 Td (department ) Tj ET Q q 0 0 0 rg BT 147.53 538.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 173.39 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 190.36 538.10 Td (other ) Tj ET Q q 0 0 0 rg BT 213.44 538.10 Td (national, ) Tj ET Q q 0 0 0 rg BT 250.68 538.10 Td (regional, ) Tj ET Q q 0 0 0 rg BT 288.48 538.10 Td (local ) Tj ET Q q 0 0 0 rg BT 310.44 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 327.41 538.10 Td (internet ) Tj ET Q q 0 0 0 rg BT 360.48 538.10 Td (retailers.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 395.19 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 397.72 538.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.25 538.10 Td (W) Tj ET Q q 0 0 0 rg BT 408.88 538.10 Td (e ) Tj ET Q q 0 0 0 rg BT 415.85 538.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 447.26 538.10 Td (our ) Tj ET Q q 0 0 0 rg BT 463.12 538.10 Td (attractive ) Tj ET Q q 0 0 0 rg BT 502.85 538.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 528.14 538.10 Td (program ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (generates ) Tj ET Q q 0 0 0 rg BT 90.25 526.10 Td (strong ) Tj ET Q q 0 0 0 rg BT 117.75 526.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 156.91 526.10 Td (loyalty ) Tj ET Q q 0 0 0 rg BT 187.18 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 204.12 526.10 Td (repeat ) Tj ET Q q 0 0 0 rg BT 231.04 526.10 Td (business. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 78.19 508.10 Td (Segment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.24 508.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 136.92 508.10 Td (in-house ) Tj ET Q q 0 0 0 rg BT 173.99 508.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 215.49 508.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 240.89 508.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 281.28 508.10 Td (are ) Tj ET Q q 0 0 0 rg BT 296.12 508.10 Td (an ) Tj ET Q q 0 0 0 rg BT 308.19 508.10 Td (integral ) Tj ET Q q 0 0 0 rg BT 341.36 508.10 Td (part ) Tj ET Q q 0 0 0 rg BT 359.53 508.10 Td (of ) Tj ET Q q 0 0 0 rg BT 370.49 508.10 Td (our ) Tj ET Q q 0 0 0 rg BT 386.45 508.10 Td (business ) Tj ET Q q 0 0 0 rg BT 422.97 508.10 Td (and ) Tj ET Q q 0 0 0 rg BT 440.04 508.10 Td (are ) Tj ET Q q 0 0 0 rg BT 454.87 508.10 Td (a ) Tj ET Q q 0 0 0 rg BT 461.94 508.10 Td (major ) Tj ET Q q 0 0 0 rg BT 487.89 508.10 Td (driver ) Tj ET Q q 0 0 0 rg BT 514.40 508.10 Td (of ) Tj ET Q q 0 0 0 rg BT 525.35 508.10 Td (customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (loyalty) Tj ET Q q 0 0 0 rg BT 77.12 496.10 Td (. ) Tj ET Q q 0 0 0 rg BT 82.50 496.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.17 496.10 Td (W) Tj ET Q q 0 0 0 rg BT 93.81 496.10 Td (e ) Tj ET Q q 0 0 0 rg BT 101.13 496.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 132.88 496.10 Td (our ) Tj ET Q q 0 0 0 rg BT 149.09 496.10 Td (in-house ) Tj ET Q q 0 0 0 rg BT 186.40 496.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 212.05 496.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 252.69 496.10 Td (are ) Tj ET Q q 0 0 0 rg BT 267.78 496.10 Td (a ) Tj ET Q q 0 0 0 rg BT 275.09 496.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 320.19 496.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 370.27 496.10 Td (advantage ) Tj ET Q q 0 0 0 rg BT 413.68 496.10 Td (that ) Tj ET Q q 0 0 0 rg BT 431.55 496.10 Td (we ) Tj ET Q q 0 0 0 rg BT 446.09 496.10 Td (have ) Tj ET Q q 0 0 0 rg BT 467.85 496.10 Td (developed ) Tj ET Q q 0 0 0 rg BT 511.82 496.10 Td (over ) Tj ET Q q 0 0 0 rg BT 532.47 496.10 Td (our ) Tj ET Q q 0 0 0 rg BT 548.68 496.10 Td (50-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 69.11 484.10 Td (years ) Tj ET Q q 0 0 0 rg BT 92.65 484.10 Td (in ) Tj ET Q q 0 0 0 rg BT 102.87 484.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 144.20 484.10 Td (credit. ) Tj ET Q q 0 0 0 rg BT 171.90 484.10 Td ( ) Tj ET Q q 0 0 0 rg BT 174.16 484.10 Td (W) Tj ET Q q 0 0 0 rg BT 182.80 484.10 Td (e ) Tj ET Q q 0 0 0 rg BT 189.68 484.10 Td (have ) Tj ET Q q 0 0 0 rg BT 211.00 484.10 Td (developed ) Tj ET Q q 0 0 0 rg BT 254.53 484.10 Td (a ) Tj ET Q q 0 0 0 rg BT 261.41 484.10 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 308.27 484.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 362.37 484.10 Td (model ) Tj ET Q q 0 0 0 rg BT 389.81 484.10 Td (that ) Tj ET Q q 0 0 0 rg BT 407.24 484.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 444.12 484.10 Td (standardized ) Tj ET Q q 0 0 0 rg BT 497.09 484.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 522.30 484.10 Td (decisions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (including ) Tj ET Q q 0 0 0 rg BT 90.05 472.10 Td (down ) Tj ET Q q 0 0 0 rg BT 114.56 472.10 Td (payment, ) Tj ET Q q 0 0 0 rg BT 153.77 472.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 174.94 472.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 211.11 472.10 Td (and ) Tj ET Q q 0 0 0 rg BT 227.83 472.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 252.87 472.10 Td (terms, ) Tj ET Q q 0 0 0 rg BT 279.87 472.10 Td (based ) Tj ET Q q 0 0 0 rg BT 304.92 472.10 Td (on ) Tj ET Q q 0 0 0 rg BT 317.20 472.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 356.13 472.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 373.41 472.10 Td (and ) Tj ET Q q 0 0 0 rg BT 390.13 472.10 Td (income ) Tj ET Q q 0 0 0 rg BT 421.85 472.10 Td (level. ) Tj ET Q q 0 0 0 rg BT 446.06 472.10 Td ( ) Tj ET Q q 0 0 0 rg BT 448.18 472.10 Td (W) Tj ET Q q 0 0 0 rg BT 456.81 472.10 Td (e ) Tj ET Q q 0 0 0 rg BT 463.53 472.10 Td (use ) Tj ET Q q 0 0 0 rg BT 479.14 472.10 Td (our ) Tj ET Q q 0 0 0 rg BT 494.75 472.10 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 541.46 472.10 Td (auto-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (decision ) Tj ET Q q 0 0 0 rg BT 85.66 460.10 Td (algorithm ) Tj ET Q q 0 0 0 rg BT 126.88 460.10 Td (and ) Tj ET Q q 0 0 0 rg BT 143.65 460.10 Td (in-depth ) Tj ET Q q 0 0 0 rg BT 179.32 460.10 Td (evaluations ) Tj ET Q q 0 0 0 rg BT 227.19 460.10 Td (of ) Tj ET Q q 0 0 0 rg BT 237.86 460.10 Td (creditworthiness ) Tj ET Q q 0 0 0 rg BT 306.29 460.10 Td (performed ) Tj ET Q q 0 0 0 rg BT 350.27 460.10 Td (by ) Tj ET Q q 0 0 0 rg BT 362.61 460.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 400.49 460.10 Td (in-house ) Tj ET Q q 0 0 0 rg BT 437.26 460.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 462.36 460.10 Td (underwriters ) Tj ET Q q 0 0 0 rg BT 515.24 460.10 Td (to ) Tj ET Q q 0 0 0 rg BT 525.35 460.10 Td (complete ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (all ) Tj ET Q q 0 0 0 rg BT 63.08 448.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 88.92 448.10 Td (decisions. ) Tj ET Q q 0 0 0 rg BT 131.72 448.10 Td (In ) Tj ET Q q 0 0 0 rg BT 143.14 448.10 Td (order ) Tj ET Q q 0 0 0 rg BT 167.32 448.10 Td (to ) Tj ET Q q 0 0 0 rg BT 178.18 448.10 Td (improve ) Tj ET Q q 0 0 0 rg BT 214.59 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 229.88 448.10 Td (speed ) Tj ET Q q 0 0 0 rg BT 255.74 448.10 Td (and ) Tj ET Q q 0 0 0 rg BT 273.26 448.10 Td (consistency ) Tj ET Q q 0 0 0 rg BT 322.99 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 334.41 448.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 389.15 448.10 Td (decisions, ) Tj ET Q q 0 0 0 rg BT 431.94 448.10 Td (we ) Tj ET Q q 0 0 0 rg BT 446.69 448.10 Td (continually ) Tj ET Q q 0 0 0 rg BT 494.76 448.10 Td (review ) Tj ET Q q 0 0 0 rg BT 525.05 448.10 Td (our ) Tj ET Q q 0 0 0 rg BT 541.46 448.10 Td (auto-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (decision ) Tj ET Q q 0 0 0 rg BT 86.14 436.10 Td (algorithm. ) Tj ET Q q 0 0 0 rg BT 129.72 436.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 179.62 436.10 Td (, ) Tj ET Q q 0 0 0 rg BT 184.93 436.10 Td (we ) Tj ET Q q 0 0 0 rg BT 199.41 436.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 232.77 436.10 Td (access ) Tj ET Q q 0 0 0 rg BT 261.12 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 271.72 436.10 Td (alternative ) Tj ET Q q 0 0 0 rg BT 316.73 436.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 357.31 436.10 Td (options ) Tj ET Q q 0 0 0 rg BT 389.57 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 400.16 436.10 Td (a ) Tj ET Q q 0 0 0 rg BT 407.42 436.10 Td (wider ) Tj ET Q q 0 0 0 rg BT 433.00 436.10 Td (range ) Tj ET Q q 0 0 0 rg BT 458.02 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 469.17 436.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 514.75 436.10 Td (through ) Tj ET Q q 0 0 0 rg BT 548.67 436.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 99.10 424.10 Td (with ) Tj ET Q q 0 0 0 rg BT 118.76 424.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 163.41 424.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 199.72 424.10 Td (solution ) Tj ET Q q 0 0 0 rg BT 233.83 424.10 Td (providers ) Tj ET Q q 0 0 0 rg BT 273.49 424.10 Td (such ) Tj ET Q q 0 0 0 rg BT 293.70 424.10 Td (as ) Tj ET Q q 0 0 0 rg BT 303.91 424.10 Td (Synchrony ) Tj ET Q q 0 0 0 rg BT 349.13 424.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 372.12 424.10 Td (and ) Tj ET Q q 0 0 0 rg BT 388.44 424.10 Td (Progressive ) Tj ET Q q 0 0 0 rg BT 436.99 424.10 Td (Leasing ) Tj ET Q q 0 0 0 rg BT 470.52 424.10 Td (\("Progressive"\). ) Tj ET Q q 0 0 0 rg BT 536.39 424.10 Td ( ) Tj ET Q q 0 0 0 rg BT 538.14 424.10 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (third ) Tj ET Q q 0 0 0 rg BT 70.79 412.10 Td (parties ) Tj ET Q q 0 0 0 rg BT 99.36 412.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 132.36 412.10 Td (their ) Tj ET Q q 0 0 0 rg BT 152.59 412.10 Td (own ) Tj ET Q q 0 0 0 rg BT 171.72 412.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 214.16 412.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 267.73 412.10 Td (decisions ) Tj ET Q q 0 0 0 rg BT 306.85 412.10 Td (and ) Tj ET Q q 0 0 0 rg BT 323.20 412.10 Td (are ) Tj ET Q q 0 0 0 rg BT 337.31 412.10 Td (responsible ) Tj ET Q q 0 0 0 rg BT 384.77 412.10 Td (for ) Tj ET Q q 0 0 0 rg BT 398.34 412.10 Td (their ) Tj ET Q q 0 0 0 rg BT 418.57 412.10 Td (own ) Tj ET Q q 0 0 0 rg BT 437.70 412.10 Td (collections. ) Tj ET Q q 0 0 0 rg BT 485.43 412.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 502.89 412.10 Td (in-house ) Tj ET Q q 0 0 0 rg BT 539.24 412.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 90.39 400.10 Td (and ) Tj ET Q q 0 0 0 rg BT 107.44 400.10 Td (access ) Tj ET Q q 0 0 0 rg BT 135.60 400.10 Td (to ) Tj ET Q q 0 0 0 rg BT 146.00 400.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 191.38 400.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 228.43 400.10 Td (solutions ) Tj ET Q q 0 0 0 rg BT 267.17 400.10 Td (allows ) Tj ET Q q 0 0 0 rg BT 295.90 400.10 Td (us ) Tj ET Q q 0 0 0 rg BT 307.41 400.10 Td (to ) Tj ET Q q 0 0 0 rg BT 317.80 400.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 350.97 400.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 376.35 400.10 Td (to ) Tj ET Q q 0 0 0 rg BT 386.75 400.10 Td (a ) Tj ET Q q 0 0 0 rg BT 393.80 400.10 Td (lar) Tj ET Q q 0 0 0 rg BT 404.17 400.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 416.23 400.10 Td (and ) Tj ET Q q 0 0 0 rg BT 433.29 400.10 Td (under) Tj ET Q q 0 0 0 rg BT 455.85 400.10 Td (-served ) Tj ET Q q 0 0 0 rg BT 487.90 400.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 527.17 400.10 Td (base ) Tj ET Q q 0 0 0 rg BT 547.56 400.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (dif) Tj ET Q q 0 0 0 rg BT 60.93 388.10 Td (ferentiates ) Tj ET Q q 0 0 0 rg BT 105.07 388.10 Td (us ) Tj ET Q q 0 0 0 rg BT 116.46 388.10 Td (from ) Tj ET Q q 0 0 0 rg BT 138.40 388.10 Td (our ) Tj ET Q q 0 0 0 rg BT 154.23 388.10 Td (competitors ) Tj ET Q q 0 0 0 rg BT 203.94 388.10 Td (that ) Tj ET Q q 0 0 0 rg BT 221.44 388.10 Td (do ) Tj ET Q q 0 0 0 rg BT 233.94 388.10 Td (not ) Tj ET Q q 0 0 0 rg BT 249.21 388.10 Td (of) Tj ET Q q 0 0 0 rg BT 257.36 388.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 270.96 388.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 301.24 388.10 Td (programs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.26 370.10 Td (goal ) Tj ET Q q 0 0 0 rg BT 88.18 370.10 Td (is ) Tj ET Q q 0 0 0 rg BT 97.55 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 108.03 370.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 141.28 370.10 Td (every ) Tj ET Q q 0 0 0 rg BT 166.20 370.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 205.55 370.10 Td (that ) Tj ET Q q 0 0 0 rg BT 223.25 370.10 Td (enters ) Tj ET Q q 0 0 0 rg BT 249.83 370.10 Td (our ) Tj ET Q q 0 0 0 rg BT 265.87 370.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 291.90 370.10 Td (or ) Tj ET Q q 0 0 0 rg BT 302.94 370.10 Td (applies ) Tj ET Q q 0 0 0 rg BT 333.97 370.10 Td (for ) Tj ET Q q 0 0 0 rg BT 348.33 370.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 373.80 370.10 Td (on ) Tj ET Q q 0 0 0 rg BT 386.50 370.10 Td (our ) Tj ET Q q 0 0 0 rg BT 402.54 370.10 Td (website ) Tj ET Q q 0 0 0 rg BT 435.79 370.10 Td (an ) Tj ET Q q 0 0 0 rg BT 447.93 370.10 Td (af) Tj ET Q q 0 0 0 rg BT 455.52 370.10 Td (fordable ) Tj ET Q q 0 0 0 rg BT 491.54 370.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 527.58 370.10 Td (payment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (option. ) Tj ET Q q 0 0 0 rg BT 80.05 358.10 Td (Currently) Tj ET Q q 0 0 0 rg BT 117.72 358.10 Td (, ) Tj ET Q q 0 0 0 rg BT 122.21 358.10 Td (we ) Tj ET Q q 0 0 0 rg BT 135.86 358.10 Td (make ) Tj ET Q q 0 0 0 rg BT 159.50 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 173.71 358.10 Td (following ) Tj ET Q q 0 0 0 rg BT 214.58 358.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 251.01 358.10 Td (options ) Tj ET Q q 0 0 0 rg BT 282.44 358.10 Td (available ) Tj ET Q q 0 0 0 rg BT 320.52 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 330.29 358.10 Td (our ) Tj ET Q q 0 0 0 rg BT 345.61 358.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 388.14 358.10 Td (based ) Tj ET Q q 0 0 0 rg BT 412.90 358.10 Td (on ) Tj ET Q q 0 0 0 rg BT 424.89 358.10 Td (a ) Tj ET Q q 0 0 0 rg BT 431.32 358.10 Td (review ) Tj ET Q q 0 0 0 rg BT 460.51 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 470.83 358.10 Td (their ) Tj ET Q q 0 0 0 rg BT 491.14 358.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 515.90 358.10 Td (worthiness:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 340.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 340.10 Td (For ) Tj ET Q q 0 0 0 rg BT 101.37 340.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 143.40 340.10 Td (with ) Tj ET Q q 0 0 0 rg BT 162.65 340.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 186.89 340.10 Td (scores ) Tj ET Q q 0 0 0 rg BT 213.36 340.10 Td (that ) Tj ET Q q 0 0 0 rg BT 229.84 340.10 Td (are ) Tj ET Q q 0 0 0 rg BT 243.52 340.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 279.99 340.10 Td (above ) Tj ET Q q 0 0 0 rg BT 305.35 340.10 Td (650, ) Tj ET Q q 0 0 0 rg BT 324.33 340.10 Td (we ) Tj ET Q q 0 0 0 rg BT 337.46 340.10 Td (of) Tj ET Q q 0 0 0 rg BT 345.61 340.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 358.19 340.10 Td (special ) Tj ET Q q 0 0 0 rg BT 387.43 340.10 Td (low ) Tj ET Q q 0 0 0 rg BT 403.91 340.10 Td (or ) Tj ET Q q 0 0 0 rg BT 413.72 340.10 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 457.96 340.10 Td (option ) Tj ET Q q 0 0 0 rg BT 485.00 340.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 524.24 340.10 Td (programs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 328.10 Td (on ) Tj ET Q q 0 0 0 rg BT 98.84 328.10 Td (select ) Tj ET Q q 0 0 0 rg BT 124.45 328.10 Td (products ) Tj ET Q q 0 0 0 rg BT 161.73 328.10 Td (through ) Tj ET Q q 0 0 0 rg BT 195.68 328.10 Td (a ) Tj ET Q q 0 0 0 rg BT 202.97 328.10 Td (Conn's ) Tj ET Q q 0 0 0 rg BT 233.17 328.10 Td (branded ) Tj ET Q q 0 0 0 rg BT 268.22 328.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 309.39 328.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 335.00 328.10 Td (card ) Tj ET Q q 0 0 0 rg BT 355.05 328.10 Td (from ) Tj ET Q q 0 0 0 rg BT 377.33 328.10 Td (Synchrony ) Tj ET Q q 0 0 0 rg BT 423.50 328.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 447.45 328.10 Td (or ) Tj ET Q q 0 0 0 rg BT 458.63 328.10 Td (we ) Tj ET Q q 0 0 0 rg BT 473.13 328.10 Td (may ) Tj ET Q q 0 0 0 rg BT 493.19 328.10 Td (of) Tj ET Q q 0 0 0 rg BT 501.34 328.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 515.28 328.10 Td (an ) Tj ET Q q 0 0 0 rg BT 527.56 328.10 Td (in-house ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 316.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 126.26 316.10 Td (program;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 298.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 298.10 Td (For ) Tj ET Q q 0 0 0 rg BT 102.99 298.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 146.64 298.10 Td (with ) Tj ET Q q 0 0 0 rg BT 167.52 298.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 193.39 298.10 Td (scores ) Tj ET Q q 0 0 0 rg BT 221.48 298.10 Td (that ) Tj ET Q q 0 0 0 rg BT 239.58 298.10 Td (are ) Tj ET Q q 0 0 0 rg BT 254.89 298.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 292.98 298.10 Td (between ) Tj ET Q q 0 0 0 rg BT 329.40 298.10 Td (550 ) Tj ET Q q 0 0 0 rg BT 347.50 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 365.04 298.10 Td (650, ) Tj ET Q q 0 0 0 rg BT 385.64 298.10 Td (we ) Tj ET Q q 0 0 0 rg BT 400.40 298.10 Td (of) Tj ET Q q 0 0 0 rg BT 408.55 298.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 422.75 298.10 Td (our ) Tj ET Q q 0 0 0 rg BT 439.19 298.10 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 486.71 298.10 Td (in-house ) Tj ET Q q 0 0 0 rg BT 524.25 298.10 Td (financing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 286.10 Td (program, ) Tj ET Q q 0 0 0 rg BT 124.88 286.10 Td (which ) Tj ET Q q 0 0 0 rg BT 151.82 286.10 Td (is ) Tj ET Q q 0 0 0 rg BT 160.99 286.10 Td (a ) Tj ET Q q 0 0 0 rg BT 167.92 286.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 190.97 286.10 Td (term, ) Tj ET Q q 0 0 0 rg BT 214.30 286.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 237.34 286.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 274.28 286.10 Td (installment ) Tj ET Q q 0 0 0 rg BT 321.21 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 338.15 286.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 379.53 286.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 399.25 286.10 Td (contract; ) Tj ET Q q 0 0 0 rg BT 436.73 286.10 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 268.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 268.10 Td (For ) Tj ET Q q 0 0 0 rg BT 101.56 268.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 143.77 268.10 Td (that ) Tj ET Q q 0 0 0 rg BT 160.43 268.10 Td (do ) Tj ET Q q 0 0 0 rg BT 172.09 268.10 Td (not ) Tj ET Q q 0 0 0 rg BT 186.53 268.10 Td (qualify ) Tj ET Q q 0 0 0 rg BT 216.52 268.10 Td (for ) Tj ET Q q 0 0 0 rg BT 229.85 268.10 Td (our ) Tj ET Q q 0 0 0 rg BT 244.84 268.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 269.27 268.10 Td (programs, ) Tj ET Q q 0 0 0 rg BT 311.20 268.10 Td (we ) Tj ET Q q 0 0 0 rg BT 324.52 268.10 Td (of) Tj ET Q q 0 0 0 rg BT 332.67 268.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 345.44 268.10 Td (a ) Tj ET Q q 0 0 0 rg BT 351.54 268.10 Td (lease-to-own ) Tj ET Q q 0 0 0 rg BT 404.85 268.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 440.95 268.10 Td (option ) Tj ET Q q 0 0 0 rg BT 468.17 268.10 Td (through ) Tj ET Q q 0 0 0 rg BT 500.94 268.10 Td (an ) Tj ET Q q 0 0 0 rg BT 512.04 268.10 Td (arrangement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 256.10 Td (with ) Tj ET Q q 0 0 0 rg BT 106.28 256.10 Td (our ) Tj ET Q q 0 0 0 rg BT 122.11 256.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 167.37 256.10 Td (lease-to-own ) Tj ET Q q 0 0 0 rg BT 221.52 256.10 Td (provider) Tj ET Q q 0 0 0 rg BT 254.84 256.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 238.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.59 238.10 Td (continuously ) Tj ET Q q 0 0 0 rg BT 119.76 238.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 155.58 238.10 Td (alternative ) Tj ET Q q 0 0 0 rg BT 200.29 238.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 240.56 238.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 280.84 238.10 Td (that ) Tj ET Q q 0 0 0 rg BT 298.34 238.10 Td (may ) Tj ET Q q 0 0 0 rg BT 318.07 238.10 Td (give ) Tj ET Q q 0 0 0 rg BT 337.80 238.10 Td (us ) Tj ET Q q 0 0 0 rg BT 349.20 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 363.93 238.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 391.99 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 402.28 238.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 435.33 238.10 Td (more ) Tj ET Q q 0 0 0 rg BT 458.39 238.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 501.45 238.10 Td (with ) Tj ET Q q 0 0 0 rg BT 521.73 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 536.46 238.10 Td (ability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 226.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 98.32 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 113.03 226.10 Td (products ) Tj ET Q q 0 0 0 rg BT 149.97 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 166.91 226.10 Td (services ) Tj ET Q q 0 0 0 rg BT 201.62 226.10 Td (we ) Tj ET Q q 0 0 0 rg BT 215.78 226.10 Td (of) Tj ET Q q 0 0 0 rg BT 223.93 226.10 Td (fer) Tj ET Q q 0 0 0 rg BT 234.47 226.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 67.41 208.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 89.81 208.10 Td (business ) Tj ET Q q 0 0 0 rg BT 125.57 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 141.87 208.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 166.49 208.10 Td (business ) Tj ET Q q 0 0 0 rg BT 202.24 208.10 Td (operate ) Tj ET Q q 0 0 0 rg BT 233.53 208.10 Td (independently ) Tj ET Q q 0 0 0 rg BT 292.04 208.10 Td (from ) Tj ET Q q 0 0 0 rg BT 313.33 208.10 Td (each ) Tj ET Q q 0 0 0 rg BT 333.51 208.10 Td (other) Tj ET Q q 0 0 0 rg BT 353.51 208.10 Td (. ) Tj ET Q q 0 0 0 rg BT 357.73 208.10 Td (The ) Tj ET Q q 0 0 0 rg BT 375.14 208.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 397.54 208.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 432.73 208.10 Td (is ) Tj ET Q q 0 0 0 rg BT 441.26 208.10 Td (not ) Tj ET Q q 0 0 0 rg BT 455.90 208.10 Td (involved ) Tj ET Q q 0 0 0 rg BT 492.75 208.10 Td (in ) Tj ET Q q 0 0 0 rg BT 502.39 208.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 527.01 208.10 Td (approval ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (decisions ) Tj ET Q q 0 0 0 rg BT 90.04 196.10 Td (or ) Tj ET Q q 0 0 0 rg BT 101.19 196.10 Td (collections. ) Tj ET Q q 0 0 0 rg BT 149.83 196.10 Td (Decisions ) Tj ET Q q 0 0 0 rg BT 192.08 196.10 Td (to ) Tj ET Q q 0 0 0 rg BT 202.68 196.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 232.16 196.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 273.85 196.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 299.44 196.10 Td (to ) Tj ET Q q 0 0 0 rg BT 310.04 196.10 Td (our ) Tj ET Q q 0 0 0 rg BT 326.19 196.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 349.55 196.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 392.92 196.10 Td (under ) Tj ET Q q 0 0 0 rg BT 418.50 196.10 Td (our ) Tj ET Q q 0 0 0 rg BT 434.65 196.10 Td (in-house ) Tj ET Q q 0 0 0 rg BT 471.91 196.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 512.50 196.10 Td (are ) Tj ET Q q 0 0 0 rg BT 527.53 196.10 Td (made ) Tj ET Q q 0 0 0 rg BT 552.00 196.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (our ) Tj ET Q q 0 0 0 rg BT 64.73 184.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 96.67 184.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 120.84 184.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 173.90 184.10 Td (department. ) Tj ET Q q 0 0 0 rg BT 222.78 184.10 Td (In ) Tj ET Q q 0 0 0 rg BT 232.51 184.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 266.68 184.10 Td (to ) Tj ET Q q 0 0 0 rg BT 275.86 184.10 Td (underwriting, ) Tj ET Q q 0 0 0 rg BT 331.42 184.10 Td (we ) Tj ET Q q 0 0 0 rg BT 344.48 184.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 376.98 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 390.60 184.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 431.43 184.10 Td (process ) Tj ET Q q 0 0 0 rg BT 462.82 184.10 Td (of ) Tj ET Q q 0 0 0 rg BT 472.55 184.10 Td (our ) Tj ET Q q 0 0 0 rg BT 487.28 184.10 Td (in-house ) Tj ET Q q 0 0 0 rg BT 523.12 184.10 Td (consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 75.67 172.10 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 116.07 172.10 Td (Sales ) Tj ET Q q 0 0 0 rg BT 140.08 172.10 Td (financed ) Tj ET Q q 0 0 0 rg BT 177.41 172.10 Td (through ) Tj ET Q q 0 0 0 rg BT 211.43 172.10 Td (our ) Tj ET Q q 0 0 0 rg BT 227.66 172.10 Td (in-house ) Tj ET Q q 0 0 0 rg BT 265.00 172.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 290.67 172.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 331.35 172.10 Td (are ) Tj ET Q q 0 0 0 rg BT 346.46 172.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 379.90 172.10 Td (by ) Tj ET Q q 0 0 0 rg BT 392.81 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 407.93 172.10 Td (products ) Tj ET Q q 0 0 0 rg BT 445.27 172.10 Td (purchased, ) Tj ET Q q 0 0 0 rg BT 491.22 172.10 Td (which ) Tj ET Q q 0 0 0 rg BT 518.56 172.10 Td (we ) Tj ET Q q 0 0 0 rg BT 533.13 172.10 Td (believe ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (gives ) Tj ET Q q 0 0 0 rg BT 73.62 160.10 Td (us ) Tj ET Q q 0 0 0 rg BT 85.02 160.10 Td (a ) Tj ET Q q 0 0 0 rg BT 91.97 160.10 Td (distinct ) Tj ET Q q 0 0 0 rg BT 123.93 160.10 Td (advantage ) Tj ET Q q 0 0 0 rg BT 166.97 160.10 Td (over ) Tj ET Q q 0 0 0 rg BT 187.25 160.10 Td (other ) Tj ET Q q 0 0 0 rg BT 210.31 160.10 Td (creditors ) Tj ET Q q 0 0 0 rg BT 247.80 160.10 Td (when ) Tj ET Q q 0 0 0 rg BT 271.98 160.10 Td (pursuing ) Tj ET Q q 0 0 0 rg BT 309.49 160.10 Td (collections. ) Tj ET Q q 0 0 0 rg BT 357.26 160.10 Td (Also, ) Tj ET Q q 0 0 0 rg BT 381.17 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 395.90 160.10 Td (products ) Tj ET Q q 0 0 0 rg BT 432.85 160.10 Td (we ) Tj ET Q q 0 0 0 rg BT 447.02 160.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 463.41 160.10 Td (and ) Tj ET Q q 0 0 0 rg BT 480.36 160.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 512.30 160.10 Td (are ) Tj ET Q q 0 0 0 rg BT 527.02 160.10 Td (typically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (necessities ) Tj ET Q q 0 0 0 rg BT 95.26 148.10 Td (for ) Tj ET Q q 0 0 0 rg BT 109.42 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 124.14 148.10 Td (home.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 130.10 Td (e ) Tj ET Q q 0 0 0 rg BT 64.51 130.10 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 98.70 130.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 122.90 130.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 139.33 130.10 Td (by ) Tj ET Q q 0 0 0 rg BT 150.76 130.10 Td (originating ) Tj ET Q q 0 0 0 rg BT 196.07 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 205.28 130.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 247.25 130.10 Td (who ) Tj ET Q q 0 0 0 rg BT 265.90 130.10 Td (have ) Tj ET Q q 0 0 0 rg BT 286.21 130.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 328.18 130.10 Td (from ) Tj ET Q q 0 0 0 rg BT 349.05 130.10 Td (us ) Tj ET Q q 0 0 0 rg BT 359.37 130.10 Td (in ) Tj ET Q q 0 0 0 rg BT 368.58 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.22 130.10 Td (past. ) Tj ET Q q 0 0 0 rg BT 402.26 130.10 Td ( ) Tj ET Q q 0 0 0 rg BT 403.59 130.10 Td (These ) Tj ET Q q 0 0 0 rg BT 428.89 130.10 Td (repeat ) Tj ET Q q 0 0 0 rg BT 454.75 130.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 496.72 130.10 Td (have ) Tj ET Q q 0 0 0 rg BT 517.03 130.10 Td (historically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (exhibited ) Tj ET Q q 0 0 0 rg BT 88.78 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 94.79 118.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 119.13 118.10 Td (probability ) Tj ET Q q 0 0 0 rg BT 164.58 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 174.48 118.10 Td (default ) Tj ET Q q 0 0 0 rg BT 203.81 118.10 Td (than ) Tj ET Q q 0 0 0 rg BT 222.60 118.10 Td (new ) Tj ET Q q 0 0 0 rg BT 240.83 118.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 287.95 118.10 Td (For ) Tj ET Q q 0 0 0 rg BT 303.41 118.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 326.63 118.10 Td (year ) Tj ET Q q 0 0 0 rg BT 345.41 118.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 369.48 118.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 391.05 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 407.06 118.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 431.13 118.10 Td (53%, ) Tj ET Q q 0 0 0 rg BT 453.53 118.10 Td (50% ) Tj ET Q q 0 0 0 rg BT 473.43 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 489.44 118.10 Td (49%, ) Tj ET Q q 0 0 0 rg BT 511.84 118.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 559.50 118.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.26 106.10 Td (our ) Tj ET Q q 0 0 0 rg BT 75.51 106.10 Td (originations ) Tj ET Q q 0 0 0 rg BT 125.21 106.10 Td (were ) Tj ET Q q 0 0 0 rg BT 146.57 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 156.27 106.10 Td (repeat ) Tj ET Q q 0 0 0 rg BT 182.62 106.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 225.10 106.10 Td (who ) Tj ET Q q 0 0 0 rg BT 244.24 106.10 Td (financed ) Tj ET Q q 0 0 0 rg BT 280.59 106.10 Td (a ) Tj ET Q q 0 0 0 rg BT 286.96 106.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 324.42 106.10 Td (through ) Tj ET Q q 0 0 0 rg BT 357.46 106.10 Td (our ) Tj ET Q q 0 0 0 rg BT 372.71 106.10 Td (in-house ) Tj ET Q q 0 0 0 rg BT 409.08 106.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 433.77 106.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 473.46 106.10 Td (more ) Tj ET Q q 0 0 0 rg BT 495.94 106.10 Td (than ) Tj ET Q q 0 0 0 rg BT 515.08 106.10 Td (five ) Tj ET Q q 0 0 0 rg BT 532.55 106.10 Td (months ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (after ) Tj ET Q q 0 0 0 rg BT 72.09 94.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 113.63 94.10 Td (an ) Tj ET Q q 0 0 0 rg BT 126.84 94.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 153.95 94.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 193.26 94.10 Td (through ) Tj ET Q q 0 0 0 rg BT 228.15 94.10 Td (our ) Tj ET Q q 0 0 0 rg BT 245.25 94.10 Td (in-house ) Tj ET Q q 0 0 0 rg BT 283.46 94.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 310.00 94.10 Td (programs. ) Tj ET Q q 0 0 0 rg BT 355.71 94.10 Td (As ) Tj ET Q q 0 0 0 rg BT 370.60 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 382.71 94.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 432.58 94.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 456.36 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 474.57 94.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 500.85 94.10 Td (61% ) Tj ET Q q 0 0 0 rg BT 522.95 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 541.17 94.10 Td (57%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.66 82.10 Td (, ) Tj ET Q q 0 0 0 rg BT 102.47 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 113.11 82.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 149.84 82.10 Td (due ) Tj ET Q q 0 0 0 rg BT 166.58 82.10 Td (under ) Tj ET Q q 0 0 0 rg BT 191.66 82.10 Td (our ) Tj ET Q q 0 0 0 rg BT 207.29 82.10 Td (in-house ) Tj ET Q q 0 0 0 rg BT 244.04 82.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 269.11 82.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 309.19 82.10 Td (were ) Tj ET Q q 0 0 0 rg BT 330.92 82.10 Td (from ) Tj ET Q q 0 0 0 rg BT 352.67 82.10 Td (repeat ) Tj ET Q q 0 0 0 rg BT 379.40 82.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 422.25 82.10 Td (who ) Tj ET Q q 0 0 0 rg BT 441.78 82.10 Td (have ) Tj ET Q q 0 0 0 rg BT 462.97 82.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 507.49 82.10 Td (financed ) Tj ET Q q 0 0 0 rg BT 544.22 82.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (us.) Tj ET Q endstream endobj 15 0 obj <>] /Rotate 0 /Contents 16 0 R>> endobj 16 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Industry ) Tj ET Q q 0 0 0 rg BT 89.74 742.25 Td (and ) Tj ET Q q 0 0 0 rg BT 108.36 742.25 Td (Market ) Tj ET Q q 0 0 0 rg BT 143.07 742.25 Td (Overview) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.16 742.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 724.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.97 724.25 Td (products ) Tj ET Q q 0 0 0 rg BT 106.83 724.25 Td (we ) Tj ET Q q 0 0 0 rg BT 121.91 724.25 Td (sell ) Tj ET Q q 0 0 0 rg BT 139.22 724.25 Td (are ) Tj ET Q q 0 0 0 rg BT 154.85 724.25 Td (typically ) Tj ET Q q 0 0 0 rg BT 193.26 724.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 240.00 724.25 Td (home ) Tj ET Q q 0 0 0 rg BT 265.64 724.25 Td (necessities, ) Tj ET Q q 0 0 0 rg BT 314.32 724.25 Td (used ) Tj ET Q q 0 0 0 rg BT 336.07 724.25 Td (by ) Tj ET Q q 0 0 0 rg BT 349.50 724.25 Td (our ) Tj ET Q q 0 0 0 rg BT 366.25 724.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 410.22 724.25 Td (in ) Tj ET Q q 0 0 0 rg BT 421.42 724.25 Td (their ) Tj ET Q q 0 0 0 rg BT 443.16 724.25 Td (everyday ) Tj ET Q q 0 0 0 rg BT 483.23 724.25 Td (lives. ) Tj ET Q q 0 0 0 rg BT 508.04 724.25 Td (Many ) Tj ET Q q 0 0 0 rg BT 534.79 724.25 Td (factors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (influence ) Tj ET Q q 0 0 0 rg BT 91.28 712.25 Td (sales, ) Tj ET Q q 0 0 0 rg BT 117.30 712.25 Td (including ) Tj ET Q q 0 0 0 rg BT 159.16 712.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 202.11 712.25 Td (confidence, ) Tj ET Q q 0 0 0 rg BT 252.56 712.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 295.51 712.25 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 343.75 712.25 Td (and ) Tj ET Q q 0 0 0 rg BT 362.27 712.25 Td (household ) Tj ET Q q 0 0 0 rg BT 407.46 712.25 Td (formations. ) Tj ET Q q 0 0 0 rg BT 457.07 712.25 Td (W) Tj ET Q q 0 0 0 rg BT 465.71 712.25 Td (e ) Tj ET Q q 0 0 0 rg BT 474.23 712.25 Td (also ) Tj ET Q q 0 0 0 rg BT 494.42 712.25 Td (benefit ) Tj ET Q q 0 0 0 rg BT 526.26 712.25 Td (from ) Tj ET Q q 0 0 0 rg BT 549.78 712.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (introduction ) Tj ET Q q 0 0 0 rg BT 101.38 700.25 Td (of ) Tj ET Q q 0 0 0 rg BT 112.21 700.25 Td (new ) Tj ET Q q 0 0 0 rg BT 131.37 700.25 Td (products ) Tj ET Q q 0 0 0 rg BT 168.31 700.25 Td (and ) Tj ET Q q 0 0 0 rg BT 185.25 700.25 Td (technologies ) Tj ET Q q 0 0 0 rg BT 238.29 700.25 Td (driving ) Tj ET Q q 0 0 0 rg BT 269.68 700.25 Td (consumers ) Tj ET Q q 0 0 0 rg BT 314.95 700.25 Td (to ) Tj ET Q q 0 0 0 rg BT 325.22 700.25 Td (upgrade ) Tj ET Q q 0 0 0 rg BT 359.93 700.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 394.10 700.25 Td (appliances ) Tj ET Q q 0 0 0 rg BT 438.80 700.25 Td (and ) Tj ET Q q 0 0 0 rg BT 455.74 700.25 Td (electronics. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (As ) Tj ET Q q 0 0 0 rg BT 63.70 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 74.62 682.25 Td (January ) Tj ET Q q 0 0 0 rg BT 108.31 682.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 123.39 682.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 148.48 682.25 Td (we ) Tj ET Q q 0 0 0 rg BT 162.73 682.25 Td (operated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.74 682.25 Td (55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.74 682.25 Td ( ) Tj ET Q q 0 0 0 rg BT 212.33 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 223.25 682.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.17 682.25 Td (1) Tj ET Q q 0 0 0 rg BT 243.79 682.25 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.79 682.25 Td ( ) Tj ET Q q 0 0 0 rg BT 256.38 682.25 Td (stores ) Tj ET Q q 0 0 0 rg BT 282.30 682.25 Td (in ) Tj ET Q q 0 0 0 rg BT 292.48 682.25 Td (T) Tj ET Q q 0 0 0 rg BT 297.89 682.25 Td (exas. ) Tj ET Q q 0 0 0 rg BT 320.17 682.25 Td (As ) Tj ET Q q 0 0 0 rg BT 333.88 682.25 Td (a ) Tj ET Q q 0 0 0 rg BT 340.90 682.25 Td (result, ) Tj ET Q q 0 0 0 rg BT 368.21 682.25 Td (we ) Tj ET Q q 0 0 0 rg BT 382.45 682.25 Td (continue ) Tj ET Q q 0 0 0 rg BT 419.48 682.25 Td (to ) Tj ET Q q 0 0 0 rg BT 429.84 682.25 Td (benefit ) Tj ET Q q 0 0 0 rg BT 460.19 682.25 Td (from ) Tj ET Q q 0 0 0 rg BT 482.22 682.25 Td (strong ) Tj ET Q q 0 0 0 rg BT 509.81 682.25 Td (demographic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (trends. ) Tj ET Q q 0 0 0 rg BT 79.22 670.25 Td (According ) Tj ET Q q 0 0 0 rg BT 124.36 670.25 Td (to ) Tj ET Q q 0 0 0 rg BT 135.07 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 150.21 670.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 170.93 670.25 Td (Department ) Tj ET Q q 0 0 0 rg BT 221.06 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 232.32 670.25 Td (Commerce's ) Tj ET Q q 0 0 0 rg BT 284.81 670.25 Td (Bureau ) Tj ET Q q 0 0 0 rg BT 316.62 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 327.88 670.25 Td (Economic ) Tj ET Q q 0 0 0 rg BT 370.70 670.25 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 408.63 670.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 427.11 670.25 Td ("Bureau ) Tj ET Q q 0 0 0 rg BT 463.00 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 474.26 670.25 Td (Economic ) Tj ET Q q 0 0 0 rg BT 517.08 670.25 Td (Analysis"\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 658.25 Td (exas ) Tj ET Q q 0 0 0 rg BT 76.31 658.25 Td (was ) Tj ET Q q 0 0 0 rg BT 95.00 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 110.35 658.25 Td (second ) Tj ET Q q 0 0 0 rg BT 141.25 658.25 Td (lar) Tj ET Q q 0 0 0 rg BT 151.62 658.25 Td (gest ) Tj ET Q q 0 0 0 rg BT 170.86 658.25 Td (state ) Tj ET Q q 0 0 0 rg BT 192.32 658.25 Td (by ) Tj ET Q q 0 0 0 rg BT 205.45 658.25 Td (nominal ) Tj ET Q q 0 0 0 rg BT 241.36 658.25 Td (GDP) Tj ET Q q 0 0 0 rg BT 260.99 658.25 Td ( ) Tj ET Q q 0 0 0 rg BT 264.13 658.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.04 658.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.04 658.25 Td (. ) Tj ET Q q 0 0 0 rg BT 300.67 658.25 Td (In ) Tj ET Q q 0 0 0 rg BT 312.14 658.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 350.54 658.25 Td (from ) Tj ET Q q 0 0 0 rg BT 373.12 658.25 Td (calendar ) Tj ET Q q 0 0 0 rg BT 410.11 658.25 Td (year ) Tj ET Q q 0 0 0 rg BT 430.45 658.25 Td (2012 ) Tj ET Q q 0 0 0 rg BT 453.59 658.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.50 658.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.50 658.25 Td ( ) Tj ET Q q 0 0 0 rg BT 487.41 658.25 Td (T) Tj ET Q q 0 0 0 rg BT 492.82 658.25 Td (exas ) Tj ET Q q 0 0 0 rg BT 513.72 658.25 Td (experienced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (population ) Tj ET Q q 0 0 0 rg BT 95.31 646.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 126.18 646.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.05 646.25 Td (6.9%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.88 646.25 Td ( ) Tj ET Q q 0 0 0 rg BT 160.42 646.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 202.38 646.25 Td (to ) Tj ET Q q 0 0 0 rg BT 212.70 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 227.46 646.25 Td (United ) Tj ET Q q 0 0 0 rg BT 257.21 646.25 Td (States ) Tj ET Q q 0 0 0 rg BT 283.64 646.25 Td (\("U.S."\) ) Tj ET Q q 0 0 0 rg BT 318.78 646.25 Td (population ) Tj ET Q q 0 0 0 rg BT 364.10 646.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 394.97 646.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.83 646.25 Td (2.9%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.67 646.25 Td ( ) Tj ET Q q 0 0 0 rg BT 429.20 646.25 Td (over ) Tj ET Q q 0 0 0 rg BT 449.51 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 464.27 646.25 Td (same ) Tj ET Q q 0 0 0 rg BT 487.35 646.25 Td (period. ) Tj ET Q q 0 0 0 rg BT 517.94 646.25 Td ( ) Tj ET Q q 0 0 0 rg BT 520.48 646.25 Td (Moreover) Tj ET Q q 0 0 0 rg BT 559.51 646.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 634.25 Td (unemployment ) Tj ET Q q 0 0 0 rg BT 127.21 634.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 144.69 634.25 Td (in ) Tj ET Q q 0 0 0 rg BT 154.79 634.25 Td (T) Tj ET Q q 0 0 0 rg BT 160.20 634.25 Td (exas ) Tj ET Q q 0 0 0 rg BT 180.47 634.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.52 634.25 Td (4.8%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.35 634.25 Td (, ) Tj ET Q q 0 0 0 rg BT 224.35 634.25 Td (as ) Tj ET Q q 0 0 0 rg BT 235.18 634.25 Td (of ) Tj ET Q q 0 0 0 rg BT 246.01 634.25 Td (January ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.61 634.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.61 634.25 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 616.25 Td (Furniture ) Tj ET Q q 0 0 0 rg BT 94.61 616.25 Td (and ) Tj ET Q q 0 0 0 rg BT 113.65 616.25 Td (Mattress.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 151.71 616.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.68 616.25 Td (According ) Tj ET Q q 0 0 0 rg BT 203.37 616.25 Td (to ) Tj ET Q q 0 0 0 rg BT 214.62 616.25 Td (the ) Tj ET Q q 0 0 0 rg BT 230.31 616.25 Td (Bureau ) Tj ET Q q 0 0 0 rg BT 262.66 616.25 Td (of ) Tj ET Q q 0 0 0 rg BT 274.47 616.25 Td (Economic ) Tj ET Q q 0 0 0 rg BT 317.72 616.25 Td (Analysis, ) Tj ET Q q 0 0 0 rg BT 358.70 616.25 Td (personal ) Tj ET Q q 0 0 0 rg BT 396.05 616.25 Td (consumption ) Tj ET Q q 0 0 0 rg BT 451.19 616.25 Td (expenditures ) Tj ET Q q 0 0 0 rg BT 505.76 616.25 Td (for ) Tj ET Q q 0 0 0 rg BT 520.89 616.25 Td (household ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.25 Td (furniture ) Tj ET Q q 0 0 0 rg BT 86.58 604.25 Td (and ) Tj ET Q q 0 0 0 rg BT 102.61 604.25 Td (mattresses ) Tj ET Q q 0 0 0 rg BT 145.85 604.25 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.87 604.25 Td ($121.7 ) Tj ET Q q 0 0 0 rg BT 195.96 604.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.08 604.25 Td ( ) Tj ET Q q 0 0 0 rg BT 223.67 604.25 Td (for ) Tj ET Q q 0 0 0 rg BT 236.92 604.25 Td (calendar ) Tj ET Q q 0 0 0 rg BT 272.37 604.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.17 604.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.17 604.25 Td (, ) Tj ET Q q 0 0 0 rg BT 315.26 604.25 Td (an ) Tj ET Q q 0 0 0 rg BT 326.29 604.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 360.63 604.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.55 604.25 Td (6.2%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.38 604.25 Td ( ) Tj ET Q q 0 0 0 rg BT 392.97 604.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.00 604.25 Td ($1) Tj ET Q q 0 0 0 rg BT 423.63 604.25 Td (14.6 ) Tj ET Q q 0 0 0 rg BT 442.72 604.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.84 604.25 Td ( ) Tj ET Q q 0 0 0 rg BT 470.43 604.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.80 604.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 604.25 Td (. ) Tj ET Q q 0 0 0 rg BT 503.77 604.25 Td (The ) Tj ET Q q 0 0 0 rg BT 520.91 604.25 Td (household ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.25 Td (furniture ) Tj ET Q q 0 0 0 rg BT 88.45 592.25 Td (and ) Tj ET Q q 0 0 0 rg BT 106.35 592.25 Td (mattress ) Tj ET Q q 0 0 0 rg BT 143.13 592.25 Td (market ) Tj ET Q q 0 0 0 rg BT 174.36 592.25 Td (is ) Tj ET Q q 0 0 0 rg BT 184.49 592.25 Td (highly ) Tj ET Q q 0 0 0 rg BT 213.51 592.25 Td (fragmented ) Tj ET Q q 0 0 0 rg BT 262.50 592.25 Td (with ) Tj ET Q q 0 0 0 rg BT 283.75 592.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 306.65 592.25 Td (coming ) Tj ET Q q 0 0 0 rg BT 340.10 592.25 Td (from ) Tj ET Q q 0 0 0 rg BT 363.00 592.25 Td (manufacturer) Tj ET Q q 0 0 0 rg BT 416.10 592.25 Td (-owned ) Tj ET Q q 0 0 0 rg BT 449.56 592.25 Td (stores, ) Tj ET Q q 0 0 0 rg BT 478.85 592.25 Td (independent ) Tj ET Q q 0 0 0 rg BT 531.18 592.25 Td (dealers, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.25 Td (furniture ) Tj ET Q q 0 0 0 rg BT 87.55 580.25 Td (centers, ) Tj ET Q q 0 0 0 rg BT 120.94 580.25 Td (specialty ) Tj ET Q q 0 0 0 rg BT 159.04 580.25 Td (sleep ) Tj ET Q q 0 0 0 rg BT 182.16 580.25 Td (product ) Tj ET Q q 0 0 0 rg BT 215.27 580.25 Td (stores, ) Tj ET Q q 0 0 0 rg BT 243.67 580.25 Td (national ) Tj ET Q q 0 0 0 rg BT 278.45 580.25 Td (and ) Tj ET Q q 0 0 0 rg BT 295.46 580.25 Td (local ) Tj ET Q q 0 0 0 rg BT 317.46 580.25 Td (chains, ) Tj ET Q q 0 0 0 rg BT 348.07 580.25 Td (mass ) Tj ET Q q 0 0 0 rg BT 370.64 580.25 Td (market ) Tj ET Q q 0 0 0 rg BT 400.97 580.25 Td (retailers, ) Tj ET Q q 0 0 0 rg BT 438.24 580.25 Td (department ) Tj ET Q q 0 0 0 rg BT 485.79 580.25 Td (stores, ) Tj ET Q q 0 0 0 rg BT 514.18 580.25 Td (the ) Tj ET Q q 0 0 0 rg BT 528.97 580.25 Td (internet, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.25 Td (and, ) Tj ET Q q 0 0 0 rg BT 69.79 568.25 Td (to ) Tj ET Q q 0 0 0 rg BT 80.43 568.25 Td (a ) Tj ET Q q 0 0 0 rg BT 87.72 568.25 Td (lesser ) Tj ET Q q 0 0 0 rg BT 113.35 568.25 Td (extent, ) Tj ET Q q 0 0 0 rg BT 143.14 568.25 Td (home ) Tj ET Q q 0 0 0 rg BT 168.21 568.25 Td (improvement ) Tj ET Q q 0 0 0 rg BT 224.39 568.25 Td (centers, ) Tj ET Q q 0 0 0 rg BT 258.06 568.25 Td (decorator ) Tj ET Q q 0 0 0 rg BT 298.67 568.25 Td (showrooms, ) Tj ET Q q 0 0 0 rg BT 350.14 568.25 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 392.98 568.25 Td (clubs ) Tj ET Q q 0 0 0 rg BT 416.95 568.25 Td (and ) Tj ET Q q 0 0 0 rg BT 434.24 568.25 Td (catalog ) Tj ET Q q 0 0 0 rg BT 465.97 568.25 Td (retailers. ) Tj ET Q q 0 0 0 rg BT 503.53 568.25 Td (For ) Tj ET Q q 0 0 0 rg BT 520.28 568.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 544.79 568.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 556.25 Td (, ) Tj ET Q q 0 0 0 rg BT 75.42 556.25 Td (we ) Tj ET Q q 0 0 0 rg BT 90.00 556.25 Td (generated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.78 556.25 Td (36.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.61 556.25 Td ( ) Tj ET Q q 0 0 0 rg BT 160.53 556.25 Td (of ) Tj ET Q q 0 0 0 rg BT 171.78 556.25 Td (total ) Tj ET Q q 0 0 0 rg BT 192.47 556.25 Td (product ) Tj ET Q q 0 0 0 rg BT 225.94 556.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 248.29 556.25 Td (from ) Tj ET Q q 0 0 0 rg BT 270.65 556.25 Td (the ) Tj ET Q q 0 0 0 rg BT 285.79 556.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 304.25 556.25 Td (of ) Tj ET Q q 0 0 0 rg BT 315.50 556.25 Td (furniture ) Tj ET Q q 0 0 0 rg BT 353.41 556.25 Td (and ) Tj ET Q q 0 0 0 rg BT 370.76 556.25 Td (mattresses. ) Tj ET Q q 0 0 0 rg BT 417.63 556.25 Td (The ) Tj ET Q q 0 0 0 rg BT 436.09 556.25 Td (furniture ) Tj ET Q q 0 0 0 rg BT 474.00 556.25 Td (and ) Tj ET Q q 0 0 0 rg BT 491.35 556.25 Td (mattress ) Tj ET Q q 0 0 0 rg BT 527.60 556.25 Td (category ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.25 Td (generated ) Tj ET Q q 0 0 0 rg BT 91.89 544.25 Td (our ) Tj ET Q q 0 0 0 rg BT 108.25 544.25 Td (highest ) Tj ET Q q 0 0 0 rg BT 140.17 544.25 Td (individual ) Tj ET Q q 0 0 0 rg BT 183.75 544.25 Td (product ) Tj ET Q q 0 0 0 rg BT 217.32 544.25 Td (category ) Tj ET Q q 0 0 0 rg BT 254.77 544.25 Td (gross ) Tj ET Q q 0 0 0 rg BT 278.92 544.25 Td (mar) Tj ET Q q 0 0 0 rg BT 294.28 544.25 Td (gin. ) Tj ET Q q 0 0 0 rg BT 312.59 544.25 Td (Given ) Tj ET Q q 0 0 0 rg BT 340.06 544.25 Td (our ) Tj ET Q q 0 0 0 rg BT 356.42 544.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 385.00 544.25 Td (to ) Tj ET Q q 0 0 0 rg BT 395.80 544.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 429.38 544.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 469.06 544.25 Td (financing ) Tj ET Q q 0 0 0 rg BT 509.86 544.25 Td (and ) Tj ET Q q 0 0 0 rg BT 527.32 544.25 Td (next ) Tj ET Q q 0 0 0 rg BT 547.57 544.25 Td (day ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (delivery) Tj ET Q q 0 0 0 rg BT 82.11 532.25 Td (, ) Tj ET Q q 0 0 0 rg BT 87.35 532.25 Td (we ) Tj ET Q q 0 0 0 rg BT 101.74 532.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 133.34 532.25 Td (that ) Tj ET Q q 0 0 0 rg BT 151.07 532.25 Td (we ) Tj ET Q q 0 0 0 rg BT 165.46 532.25 Td (have ) Tj ET Q q 0 0 0 rg BT 187.06 532.25 Td (strong ) Tj ET Q q 0 0 0 rg BT 214.80 532.25 Td (competitive ) Tj ET Q q 0 0 0 rg BT 264.73 532.25 Td (advantages ) Tj ET Q q 0 0 0 rg BT 311.89 532.25 Td (and ) Tj ET Q q 0 0 0 rg BT 329.06 532.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 374.00 532.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 405.06 532.25 Td (opportunities ) Tj ET Q q 0 0 0 rg BT 460.57 532.25 Td (in ) Tj ET Q q 0 0 0 rg BT 471.08 532.25 Td (this ) Tj ET Q q 0 0 0 rg BT 488.25 532.25 Td (market ) Tj ET Q q 0 0 0 rg BT 518.75 532.25 Td (and ) Tj ET Q q 0 0 0 rg BT 535.92 532.25 Td (expect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 520.25 Td (continue ) Tj ET Q q 0 0 0 rg BT 97.21 520.25 Td (to ) Tj ET Q q 0 0 0 rg BT 107.49 520.25 Td (grow ) Tj ET Q q 0 0 0 rg BT 130.54 520.25 Td (the ) Tj ET Q q 0 0 0 rg BT 145.26 520.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 178.29 520.25 Td (of ) Tj ET Q q 0 0 0 rg BT 189.12 520.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 207.17 520.25 Td (of ) Tj ET Q q 0 0 0 rg BT 218.00 520.25 Td (our ) Tj ET Q q 0 0 0 rg BT 233.83 520.25 Td (furniture ) Tj ET Q q 0 0 0 rg BT 271.31 520.25 Td (and ) Tj ET Q q 0 0 0 rg BT 288.25 520.25 Td (mattress ) Tj ET Q q 0 0 0 rg BT 324.08 520.25 Td (product ) Tj ET Q q 0 0 0 rg BT 357.12 520.25 Td (category) Tj ET Q q 0 0 0 rg BT 390.90 520.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (Product ) Tj ET Q q 0 0 0 rg BT 84.02 502.25 Td (design, ) Tj ET Q q 0 0 0 rg BT 115.54 502.25 Td (innovation ) Tj ET Q q 0 0 0 rg BT 161.23 502.25 Td (and ) Tj ET Q q 0 0 0 rg BT 178.58 502.25 Td (technological ) Tj ET Q q 0 0 0 rg BT 235.35 502.25 Td (advancements ) Tj ET Q q 0 0 0 rg BT 294.91 502.25 Td (have ) Tj ET Q q 0 0 0 rg BT 316.69 502.25 Td (been ) Tj ET Q q 0 0 0 rg BT 338.48 502.25 Td (key ) Tj ET Q q 0 0 0 rg BT 355.83 502.25 Td (drivers ) Tj ET Q q 0 0 0 rg BT 386.51 502.25 Td (of ) Tj ET Q q 0 0 0 rg BT 397.76 502.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 420.11 502.25 Td (in ) Tj ET Q q 0 0 0 rg BT 430.80 502.25 Td (this ) Tj ET Q q 0 0 0 rg BT 448.16 502.25 Td (market. ) Tj ET Q q 0 0 0 rg BT 481.33 502.25 Td (Products ) Tj ET Q q 0 0 0 rg BT 519.24 502.25 Td (introduced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (include ) Tj ET Q q 0 0 0 rg BT 81.93 490.25 Td (specialty ) Tj ET Q q 0 0 0 rg BT 119.98 490.25 Td (mattresses, ) Tj ET Q q 0 0 0 rg BT 166.63 490.25 Td (power ) Tj ET Q q 0 0 0 rg BT 194.12 490.25 Td (and ) Tj ET Q q 0 0 0 rg BT 211.06 490.25 Td (manual ) Tj ET Q q 0 0 0 rg BT 242.99 490.25 Td (motion ) Tj ET Q q 0 0 0 rg BT 273.83 490.25 Td (furniture ) Tj ET Q q 0 0 0 rg BT 311.31 490.25 Td (products, ) Tj ET Q q 0 0 0 rg BT 350.75 490.25 Td (and ) Tj ET Q q 0 0 0 rg BT 367.69 490.25 Td (Italian ) Tj ET Q q 0 0 0 rg BT 395.73 490.25 Td (leather ) Tj ET Q q 0 0 0 rg BT 425.43 490.25 Td (furniture. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 472.25 Td (Home ) Tj ET Q q 0 0 0 rg BT 76.92 472.25 Td (Appliance.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 121.08 472.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.58 472.25 Td (According ) Tj ET Q q 0 0 0 rg BT 168.04 472.25 Td (to ) Tj ET Q q 0 0 0 rg BT 178.08 472.25 Td (the ) Tj ET Q q 0 0 0 rg BT 192.55 472.25 Td (Bureau ) Tj ET Q q 0 0 0 rg BT 223.68 472.25 Td (of ) Tj ET Q q 0 0 0 rg BT 234.27 472.25 Td (Economic ) Tj ET Q q 0 0 0 rg BT 276.57 472.25 Td (Analysis, ) Tj ET Q q 0 0 0 rg BT 316.33 472.25 Td (personal ) Tj ET Q q 0 0 0 rg BT 352.46 472.25 Td (consumption ) Tj ET Q q 0 0 0 rg BT 406.38 472.25 Td (expenditures ) Tj ET Q q 0 0 0 rg BT 459.73 472.25 Td (for ) Tj ET Q q 0 0 0 rg BT 473.64 472.25 Td (home ) Tj ET Q q 0 0 0 rg BT 498.12 472.25 Td (appliances ) Tj ET Q q 0 0 0 rg BT 542.58 472.25 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.25 Td ($49.0 ) Tj ET Q q 0 0 0 rg BT 75.35 460.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.46 460.25 Td ( ) Tj ET Q q 0 0 0 rg BT 104.31 460.25 Td (for ) Tj ET Q q 0 0 0 rg BT 118.83 460.25 Td (calendar ) Tj ET Q q 0 0 0 rg BT 155.54 460.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.60 460.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.60 460.25 Td (, ) Tj ET Q q 0 0 0 rg BT 200.95 460.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 243.22 460.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.85 460.25 Td ($48.9 ) Tj ET Q q 0 0 0 rg BT 279.20 460.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.31 460.25 Td ( ) Tj ET Q q 0 0 0 rg BT 308.16 460.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.79 460.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.79 460.25 Td (. ) Tj ET Q q 0 0 0 rg BT 344.14 460.25 Td (Major ) Tj ET Q q 0 0 0 rg BT 371.43 460.25 Td (household ) Tj ET Q q 0 0 0 rg BT 415.39 460.25 Td (appliances, ) Tj ET Q q 0 0 0 rg BT 462.94 460.25 Td (such ) Tj ET Q q 0 0 0 rg BT 484.13 460.25 Td (as ) Tj ET Q q 0 0 0 rg BT 495.31 460.25 Td (refrigerators ) Tj ET Q q 0 0 0 rg BT 547.57 460.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.25 Td (washer/dryers, ) Tj ET Q q 0 0 0 rg BT 110.52 448.25 Td (accounted ) Tj ET Q q 0 0 0 rg BT 152.98 448.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.56 448.25 Td (85.1%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.39 448.25 Td ( ) Tj ET Q q 0 0 0 rg BT 194.32 448.25 Td (of ) Tj ET Q q 0 0 0 rg BT 204.58 448.25 Td (this ) Tj ET Q q 0 0 0 rg BT 220.96 448.25 Td (total ) Tj ET Q q 0 0 0 rg BT 240.66 448.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.80 448.25 Td ($41.7 ) Tj ET Q q 0 0 0 rg BT 274.23 448.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.34 448.25 Td ( ) Tj ET Q q 0 0 0 rg BT 302.27 448.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.98 448.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.98 448.25 Td (. ) Tj ET Q q 0 0 0 rg BT 336.40 448.25 Td (For ) Tj ET Q q 0 0 0 rg BT 352.22 448.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 375.81 448.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.94 448.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.94 448.25 Td (, ) Tj ET Q q 0 0 0 rg BT 419.37 448.25 Td (we ) Tj ET Q q 0 0 0 rg BT 432.96 448.25 Td (generated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.75 448.25 Td (31.3%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.58 448.25 Td ( ) Tj ET Q q 0 0 0 rg BT 501.50 448.25 Td (of ) Tj ET Q q 0 0 0 rg BT 511.76 448.25 Td (total ) Tj ET Q q 0 0 0 rg BT 531.46 448.25 Td (product ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 72.34 436.25 Td (from ) Tj ET Q q 0 0 0 rg BT 94.68 436.25 Td (the ) Tj ET Q q 0 0 0 rg BT 109.79 436.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 128.24 436.25 Td (of ) Tj ET Q q 0 0 0 rg BT 139.47 436.25 Td (home ) Tj ET Q q 0 0 0 rg BT 164.58 436.25 Td (appliances.) Tj ET Q q 0 0 0 rg BT 211.61 436.25 Td (The ) Tj ET Q q 0 0 0 rg BT 230.05 436.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 253.49 436.25 Td (appliance ) Tj ET Q q 0 0 0 rg BT 294.70 436.25 Td (market ) Tj ET Q q 0 0 0 rg BT 325.37 436.25 Td (is ) Tj ET Q q 0 0 0 rg BT 334.94 436.25 Td (lar) Tj ET Q q 0 0 0 rg BT 345.30 436.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 357.64 436.25 Td (and ) Tj ET Q q 0 0 0 rg BT 374.98 436.25 Td (concentrated ) Tj ET Q q 0 0 0 rg BT 428.96 436.25 Td (among ) Tj ET Q q 0 0 0 rg BT 459.07 436.25 Td (a ) Tj ET Q q 0 0 0 rg BT 466.41 436.25 Td (few ) Tj ET Q q 0 0 0 rg BT 484.30 436.25 Td (major ) Tj ET Q q 0 0 0 rg BT 510.52 436.25 Td (dealers, ) Tj ET Q q 0 0 0 rg BT 544.24 436.25 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 71.81 424.25 Td (coming ) Tj ET Q q 0 0 0 rg BT 104.17 424.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 143.76 424.25 Td (from ) Tj ET Q q 0 0 0 rg BT 165.57 424.25 Td (home ) Tj ET Q q 0 0 0 rg BT 190.15 424.25 Td (improvement ) Tj ET Q q 0 0 0 rg BT 245.84 424.25 Td (centers, ) Tj ET Q q 0 0 0 rg BT 279.03 424.25 Td (lar) Tj ET Q q 0 0 0 rg BT 289.40 424.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 301.21 424.25 Td (appliance ) Tj ET Q q 0 0 0 rg BT 341.89 424.25 Td (and ) Tj ET Q q 0 0 0 rg BT 358.70 424.25 Td (electronics ) Tj ET Q q 0 0 0 rg BT 404.38 424.25 Td (superstores, ) Tj ET Q q 0 0 0 rg BT 454.24 424.25 Td (national ) Tj ET Q q 0 0 0 rg BT 488.82 424.25 Td (chains, ) Tj ET Q q 0 0 0 rg BT 519.24 424.25 Td (warehouse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.25 Td (clubs, ) Tj ET Q q 0 0 0 rg BT 75.82 412.25 Td (department ) Tj ET Q q 0 0 0 rg BT 123.02 412.25 Td (stores, ) Tj ET Q q 0 0 0 rg BT 151.06 412.25 Td (regional ) Tj ET Q q 0 0 0 rg BT 186.04 412.25 Td (chains, ) Tj ET Q q 0 0 0 rg BT 216.30 412.25 Td (local ) Tj ET Q q 0 0 0 rg BT 237.95 412.25 Td (dealers/single-store ) Tj ET Q q 0 0 0 rg BT 317.91 412.25 Td (operators, ) Tj ET Q q 0 0 0 rg BT 359.83 412.25 Td (manufacturer) Tj ET Q q 0 0 0 rg BT 412.93 412.25 Td (-direct ) Tj ET Q q 0 0 0 rg BT 441.24 412.25 Td (websites ) Tj ET Q q 0 0 0 rg BT 477.90 412.25 Td (and ) Tj ET Q q 0 0 0 rg BT 494.55 412.25 Td (internet ) Tj ET Q q 0 0 0 rg BT 527.30 412.25 Td (retailers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (Key ) Tj ET Q q 0 0 0 rg BT 69.58 394.25 Td (drivers ) Tj ET Q q 0 0 0 rg BT 100.27 394.25 Td (of ) Tj ET Q q 0 0 0 rg BT 111.52 394.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 133.88 394.25 Td (in ) Tj ET Q q 0 0 0 rg BT 144.58 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 159.71 394.25 Td (appliance ) Tj ET Q q 0 0 0 rg BT 200.94 394.25 Td (market ) Tj ET Q q 0 0 0 rg BT 231.63 394.25 Td (include ) Tj ET Q q 0 0 0 rg BT 263.98 394.25 Td (product ) Tj ET Q q 0 0 0 rg BT 297.45 394.25 Td (design ) Tj ET Q q 0 0 0 rg BT 326.47 394.25 Td (and ) Tj ET Q q 0 0 0 rg BT 343.83 394.25 Td (innovation, ) Tj ET Q q 0 0 0 rg BT 392.03 394.25 Td (brand ) Tj ET Q q 0 0 0 rg BT 417.71 394.25 Td (and ) Tj ET Q q 0 0 0 rg BT 435.07 394.25 Td (quality) Tj ET Q q 0 0 0 rg BT 462.20 394.25 Td (. ) Tj ET Q q 0 0 0 rg BT 467.41 394.25 Td (W) Tj ET Q q 0 0 0 rg BT 476.04 394.25 Td (e ) Tj ET Q q 0 0 0 rg BT 483.40 394.25 Td (carry ) Tj ET Q q 0 0 0 rg BT 506.86 394.25 Td (products ) Tj ET Q q 0 0 0 rg BT 544.22 394.25 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (features ) Tj ET Q q 0 0 0 rg BT 82.92 382.25 Td (that ) Tj ET Q q 0 0 0 rg BT 99.20 382.25 Td (include ) Tj ET Q q 0 0 0 rg BT 129.91 382.25 Td (lar) Tj ET Q q 0 0 0 rg BT 140.28 382.25 Td (ge-capacity) Tj ET Q q 0 0 0 rg BT 185.71 382.25 Td (, ) Tj ET Q q 0 0 0 rg BT 189.49 382.25 Td (high-ef) Tj ET Q q 0 0 0 rg BT 218.18 382.25 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 251.67 382.25 Td (laundry ) Tj ET Q q 0 0 0 rg BT 283.49 382.25 Td (appliances, ) Tj ET Q q 0 0 0 rg BT 329.47 382.25 Td (refrigerator ) Tj ET Q q 0 0 0 rg BT 376.27 382.25 Td (design ) Tj ET Q q 0 0 0 rg BT 403.66 382.25 Td (innovation, ) Tj ET Q q 0 0 0 rg BT 450.21 382.25 Td (technological ) Tj ET Q q 0 0 0 rg BT 505.36 382.25 Td (advancements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (such ) Tj ET Q q 0 0 0 rg BT 70.83 370.25 Td (as ) Tj ET Q q 0 0 0 rg BT 81.66 370.25 Td (smart ) Tj ET Q q 0 0 0 rg BT 106.38 370.25 Td (home ) Tj ET Q q 0 0 0 rg BT 131.09 370.25 Td (connectivity ) Tj ET Q q 0 0 0 rg BT 183.02 370.25 Td (and ) Tj ET Q q 0 0 0 rg BT 199.96 370.25 Td (variations ) Tj ET Q q 0 0 0 rg BT 241.89 370.25 Td (on ) Tj ET Q q 0 0 0 rg BT 254.39 370.25 Td (these ) Tj ET Q q 0 0 0 rg BT 277.44 370.25 Td (features ) Tj ET Q q 0 0 0 rg BT 311.59 370.25 Td (from ) Tj ET Q q 0 0 0 rg BT 333.53 370.25 Td (leading ) Tj ET Q q 0 0 0 rg BT 365.46 370.25 Td (brands. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 352.25 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 94.53 352.25 Td (Electronics ) Tj ET Q q 0 0 0 rg BT 142.92 352.25 Td (and ) Tj ET Q q 0 0 0 rg BT 160.22 352.25 Td (Home ) Tj ET Q q 0 0 0 rg BT 186.94 352.25 Td (Of) Tj ET Q q 0 0 0 rg BT 197.32 352.25 Td (fice.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 214.80 352.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.30 352.25 Td (According ) Tj ET Q q 0 0 0 rg BT 261.24 352.25 Td (to ) Tj ET Q q 0 0 0 rg BT 270.75 352.25 Td (the ) Tj ET Q q 0 0 0 rg BT 284.70 352.25 Td (Bureau ) Tj ET Q q 0 0 0 rg BT 315.31 352.25 Td (of ) Tj ET Q q 0 0 0 rg BT 325.37 352.25 Td (Economic ) Tj ET Q q 0 0 0 rg BT 367.26 352.25 Td (Analysis, ) Tj ET Q q 0 0 0 rg BT 406.50 352.25 Td (electronics ) Tj ET Q q 0 0 0 rg BT 451.54 352.25 Td (spending ) Tj ET Q q 0 0 0 rg BT 489.38 352.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.66 352.25 Td ($238.7 ) Tj ET Q q 0 0 0 rg BT 535.90 352.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.25 Td (for ) Tj ET Q q 0 0 0 rg BT 64.35 340.25 Td (calendar ) Tj ET Q q 0 0 0 rg BT 100.90 340.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.80 340.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.80 340.25 Td (, ) Tj ET Q q 0 0 0 rg BT 145.99 340.25 Td (an ) Tj ET Q q 0 0 0 rg BT 158.12 340.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 193.56 340.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.58 340.25 Td (5.9%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.42 340.25 Td ( ) Tj ET Q q 0 0 0 rg BT 228.11 340.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.23 340.25 Td ($225.3 ) Tj ET Q q 0 0 0 rg BT 280.42 340.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.54 340.25 Td ( ) Tj ET Q q 0 0 0 rg BT 309.23 340.25 Td (for ) Tj ET Q q 0 0 0 rg BT 323.58 340.25 Td (calendar ) Tj ET Q q 0 0 0 rg BT 360.13 340.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.03 340.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.03 340.25 Td (. ) Tj ET Q q 0 0 0 rg BT 405.03 340.25 Td (T) Tj ET Q q 0 0 0 rg BT 410.44 340.25 Td (elevisions ) Tj ET Q q 0 0 0 rg BT 453.12 340.25 Td (accounted ) Tj ET Q q 0 0 0 rg BT 496.34 340.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.69 340.25 Td ($41.1 ) Tj ET Q q 0 0 0 rg BT 535.88 340.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.00 340.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.25 Td (of ) Tj ET Q q 0 0 0 rg BT 62.13 328.25 Td (the ) Tj ET Q q 0 0 0 rg BT 78.14 328.25 Td (overall ) Tj ET Q q 0 0 0 rg BT 109.70 328.25 Td (personal ) Tj ET Q q 0 0 0 rg BT 147.37 328.25 Td (consumption ) Tj ET Q q 0 0 0 rg BT 202.83 328.25 Td (expenditures, ) Tj ET Q q 0 0 0 rg BT 260.22 328.25 Td (versus ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.57 328.25 Td ($39.4 ) Tj ET Q q 0 0 0 rg BT 315.87 328.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.98 328.25 Td ( ) Tj ET Q q 0 0 0 rg BT 345.77 328.25 Td (in ) Tj ET Q q 0 0 0 rg BT 357.35 328.25 Td (the ) Tj ET Q q 0 0 0 rg BT 373.36 328.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 396.60 328.25 Td (year) Tj ET Q q 0 0 0 rg BT 413.25 328.25 Td (. ) Tj ET Q q 0 0 0 rg BT 419.55 328.25 Td (Personal ) Tj ET Q q 0 0 0 rg BT 457.78 328.25 Td (computers ) Tj ET Q q 0 0 0 rg BT 503.23 328.25 Td (and ) Tj ET Q q 0 0 0 rg BT 521.47 328.25 Td (peripheral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.25 Td (equipment ) Tj ET Q q 0 0 0 rg BT 94.08 316.25 Td (accounted ) Tj ET Q q 0 0 0 rg BT 136.49 316.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.02 316.25 Td ($67.2 ) Tj ET Q q 0 0 0 rg BT 174.39 316.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.50 316.25 Td ( ) Tj ET Q q 0 0 0 rg BT 202.38 316.25 Td (of ) Tj ET Q q 0 0 0 rg BT 212.58 316.25 Td (the ) Tj ET Q q 0 0 0 rg BT 226.67 316.25 Td (overall ) Tj ET Q q 0 0 0 rg BT 256.30 316.25 Td (expenditures, ) Tj ET Q q 0 0 0 rg BT 311.77 316.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 353.06 316.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.71 316.25 Td ($61.7 ) Tj ET Q q 0 0 0 rg BT 387.08 316.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.20 316.25 Td ( ) Tj ET Q q 0 0 0 rg BT 415.07 316.25 Td (in ) Tj ET Q q 0 0 0 rg BT 424.72 316.25 Td (the ) Tj ET Q q 0 0 0 rg BT 438.81 316.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 460.12 316.25 Td (year) Tj ET Q q 0 0 0 rg BT 476.77 316.25 Td (. ) Tj ET Q q 0 0 0 rg BT 481.14 316.25 Td (For ) Tj ET Q q 0 0 0 rg BT 496.91 316.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 520.43 316.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.51 316.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.51 316.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.25 Td (we ) Tj ET Q q 0 0 0 rg BT 64.16 304.25 Td (generated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.52 304.25 Td (23.1%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.35 304.25 Td ( ) Tj ET Q q 0 0 0 rg BT 133.85 304.25 Td (of ) Tj ET Q q 0 0 0 rg BT 144.67 304.25 Td (total ) Tj ET Q q 0 0 0 rg BT 164.94 304.25 Td (product ) Tj ET Q q 0 0 0 rg BT 197.99 304.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 219.92 304.25 Td (from ) Tj ET Q q 0 0 0 rg BT 241.86 304.25 Td (the ) Tj ET Q q 0 0 0 rg BT 256.57 304.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 274.62 304.25 Td (of ) Tj ET Q q 0 0 0 rg BT 285.45 304.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 326.82 304.25 Td (electronics ) Tj ET Q q 0 0 0 rg BT 372.63 304.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.57 304.25 Td (7.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.40 304.25 Td ( ) Tj ET Q q 0 0 0 rg BT 412.89 304.25 Td (of ) Tj ET Q q 0 0 0 rg BT 423.72 304.25 Td (total ) Tj ET Q q 0 0 0 rg BT 443.99 304.25 Td (product ) Tj ET Q q 0 0 0 rg BT 477.04 304.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 498.97 304.25 Td (from ) Tj ET Q q 0 0 0 rg BT 520.91 304.25 Td (the ) Tj ET Q q 0 0 0 rg BT 535.62 304.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 553.67 304.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.25 Td (home ) Tj ET Q q 0 0 0 rg BT 76.16 292.25 Td (of) Tj ET Q q 0 0 0 rg BT 84.31 292.25 Td (fice ) Tj ET Q q 0 0 0 rg BT 103.24 292.25 Td (products. ) Tj ET Q q 0 0 0 rg BT 143.84 292.25 Td (The ) Tj ET Q q 0 0 0 rg BT 163.33 292.25 Td (electronics ) Tj ET Q q 0 0 0 rg BT 210.58 292.25 Td (market ) Tj ET Q q 0 0 0 rg BT 242.29 292.25 Td (is ) Tj ET Q q 0 0 0 rg BT 252.90 292.25 Td (highly ) Tj ET Q q 0 0 0 rg BT 282.40 292.25 Td (fragmented ) Tj ET Q q 0 0 0 rg BT 331.88 292.25 Td (with ) Tj ET Q q 0 0 0 rg BT 353.60 292.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 376.98 292.25 Td (coming ) Tj ET Q q 0 0 0 rg BT 410.92 292.25 Td (from ) Tj ET Q q 0 0 0 rg BT 434.31 292.25 Td (lar) Tj ET Q q 0 0 0 rg BT 444.67 292.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 458.05 292.25 Td (appliance ) Tj ET Q q 0 0 0 rg BT 500.31 292.25 Td (and ) Tj ET Q q 0 0 0 rg BT 518.69 292.25 Td (electronics ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.25 Td (superstores, ) Tj ET Q q 0 0 0 rg BT 99.68 280.25 Td (national ) Tj ET Q q 0 0 0 rg BT 134.08 280.25 Td (chains, ) Tj ET Q q 0 0 0 rg BT 164.31 280.25 Td (warehouse ) Tj ET Q q 0 0 0 rg BT 209.25 280.25 Td (clubs, ) Tj ET Q q 0 0 0 rg BT 235.05 280.25 Td (regional ) Tj ET Q q 0 0 0 rg BT 270.00 280.25 Td (chains, ) Tj ET Q q 0 0 0 rg BT 300.23 280.25 Td (local ) Tj ET Q q 0 0 0 rg BT 321.85 280.25 Td (dealers/single-store ) Tj ET Q q 0 0 0 rg BT 401.79 280.25 Td (operators, ) Tj ET Q q 0 0 0 rg BT 443.68 280.25 Td (manufacturer) Tj ET Q q 0 0 0 rg BT 496.78 280.25 Td (-direct ) Tj ET Q q 0 0 0 rg BT 525.06 280.25 Td (websites, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 91.38 268.25 Td (electronics ) Tj ET Q q 0 0 0 rg BT 137.19 268.25 Td (departments ) Tj ET Q q 0 0 0 rg BT 188.56 268.25 Td (of ) Tj ET Q q 0 0 0 rg BT 199.39 268.25 Td (selected ) Tj ET Q q 0 0 0 rg BT 234.09 268.25 Td (department ) Tj ET Q q 0 0 0 rg BT 281.57 268.25 Td (and ) Tj ET Q q 0 0 0 rg BT 298.51 268.25 Td (discount ) Tj ET Q q 0 0 0 rg BT 334.90 268.25 Td (stores ) Tj ET Q q 0 0 0 rg BT 360.73 268.25 Td (and ) Tj ET Q q 0 0 0 rg BT 377.67 268.25 Td (internet ) Tj ET Q q 0 0 0 rg BT 410.71 268.25 Td (retailers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 250.25 Td (echnological ) Tj ET Q q 0 0 0 rg BT 109.09 250.25 Td (advancements ) Tj ET Q q 0 0 0 rg BT 168.33 250.25 Td (and ) Tj ET Q q 0 0 0 rg BT 185.36 250.25 Td (the ) Tj ET Q q 0 0 0 rg BT 200.17 250.25 Td (introduction ) Tj ET Q q 0 0 0 rg BT 251.64 250.25 Td (of ) Tj ET Q q 0 0 0 rg BT 262.56 250.25 Td (new ) Tj ET Q q 0 0 0 rg BT 281.82 250.25 Td (products ) Tj ET Q q 0 0 0 rg BT 318.85 250.25 Td (lar) Tj ET Q q 0 0 0 rg BT 329.21 250.25 Td (gely ) Tj ET Q q 0 0 0 rg BT 349.02 250.25 Td (drive ) Tj ET Q q 0 0 0 rg BT 372.16 250.25 Td (demand ) Tj ET Q q 0 0 0 rg BT 406.41 250.25 Td (in ) Tj ET Q q 0 0 0 rg BT 416.78 250.25 Td (the ) Tj ET Q q 0 0 0 rg BT 431.59 250.25 Td (electronics ) Tj ET Q q 0 0 0 rg BT 477.50 250.25 Td (market. ) Tj ET Q q 0 0 0 rg BT 510.35 250.25 Td ( ) Tj ET Q q 0 0 0 rg BT 512.94 250.25 Td (Historically) Tj ET Q q 0 0 0 rg BT 559.51 250.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td (industry ) Tj ET Q q 0 0 0 rg BT 86.07 238.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 117.69 238.25 Td (has ) Tj ET Q q 0 0 0 rg BT 134.32 238.25 Td (been ) Tj ET Q q 0 0 0 rg BT 156.49 238.25 Td (fueled ) Tj ET Q q 0 0 0 rg BT 184.76 238.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 225.27 238.25 Td (by ) Tj ET Q q 0 0 0 rg BT 238.56 238.25 Td (the ) Tj ET Q q 0 0 0 rg BT 254.07 238.25 Td (introduction ) Tj ET Q q 0 0 0 rg BT 306.24 238.25 Td (of ) Tj ET Q q 0 0 0 rg BT 317.87 238.25 Td (products ) Tj ET Q q 0 0 0 rg BT 355.60 238.25 Td (that ) Tj ET Q q 0 0 0 rg BT 373.88 238.25 Td (incorporate ) Tj ET Q q 0 0 0 rg BT 422.71 238.25 Td (new ) Tj ET Q q 0 0 0 rg BT 442.66 238.25 Td (technologies, ) Tj ET Q q 0 0 0 rg BT 499.00 238.25 Td (including ) Tj ET Q q 0 0 0 rg BT 540.06 238.25 Td (LED, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.25 Td (OLED, ) Tj ET Q q 0 0 0 rg BT 81.23 226.25 Td (4K ) Tj ET Q q 0 0 0 rg BT 95.53 226.25 Td (Ultra ) Tj ET Q q 0 0 0 rg BT 118.15 226.25 Td (HD, ) Tj ET Q q 0 0 0 rg BT 137.17 226.25 Td (smart ) Tj ET Q q 0 0 0 rg BT 161.46 226.25 Td (televisions, ) Tj ET Q q 0 0 0 rg BT 208.81 226.25 Td (Blu-ray ) Tj ET Q q 0 0 0 rg BT 241.43 226.25 Td (players, ) Tj ET Q q 0 0 0 rg BT 274.88 226.25 Td (home ) Tj ET Q q 0 0 0 rg BT 299.17 226.25 Td (theater ) Tj ET Q q 0 0 0 rg BT 328.45 226.25 Td (and ) Tj ET Q q 0 0 0 rg BT 344.96 226.25 Td (touch-screen ) Tj ET Q q 0 0 0 rg BT 398.12 226.25 Td (computers. ) Tj ET Q q 0 0 0 rg BT 444.35 226.25 Td (New ) Tj ET Q q 0 0 0 rg BT 465.30 226.25 Td (technologies ) Tj ET Q q 0 0 0 rg BT 517.92 226.25 Td (of) Tj ET Q q 0 0 0 rg BT 526.07 226.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 539.24 226.25 Td (better ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.25 Td (clarity ) Tj ET Q q 0 0 0 rg BT 78.44 214.25 Td (and ) Tj ET Q q 0 0 0 rg BT 95.77 214.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 126.44 214.25 Td (of ) Tj ET Q q 0 0 0 rg BT 137.67 214.25 Td (video, ) Tj ET Q q 0 0 0 rg BT 165.28 214.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 205.93 214.25 Td (processing ) Tj ET Q q 0 0 0 rg BT 251.59 214.25 Td (speed, ) Tj ET Q q 0 0 0 rg BT 279.76 214.25 Td (availability ) Tj ET Q q 0 0 0 rg BT 327.64 214.25 Td (of ) Tj ET Q q 0 0 0 rg BT 338.86 214.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 381.75 214.25 Td (4K ) Tj ET Q q 0 0 0 rg BT 396.87 214.25 Td (content ) Tj ET Q q 0 0 0 rg BT 429.19 214.25 Td (and ) Tj ET Q q 0 0 0 rg BT 446.53 214.25 Td (other ) Tj ET Q q 0 0 0 rg BT 469.97 214.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 515.08 214.25 Td (advantages, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.25 Td (which ) Tj ET Q q 0 0 0 rg BT 76.94 202.25 Td (have ) Tj ET Q q 0 0 0 rg BT 98.32 202.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 126.36 202.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 165.51 202.25 Td (in ) Tj ET Q q 0 0 0 rg BT 175.79 202.25 Td (lar) Tj ET Q q 0 0 0 rg BT 186.15 202.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 198.09 202.25 Td (screen ) Tj ET Q q 0 0 0 rg BT 226.13 202.25 Td (and ) Tj ET Q q 0 0 0 rg BT 243.07 202.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 281.67 202.25 Td (television ) Tj ET Q q 0 0 0 rg BT 323.05 202.25 Td (sales. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 184.25 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 94.87 184.25 Td (Credit. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 125.00 184.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.50 184.25 Td (Based ) Tj ET Q q 0 0 0 rg BT 154.02 184.25 Td (on ) Tj ET Q q 0 0 0 rg BT 166.09 184.25 Td (data ) Tj ET Q q 0 0 0 rg BT 184.83 184.25 Td (from ) Tj ET Q q 0 0 0 rg BT 206.34 184.25 Td (the ) Tj ET Q q 0 0 0 rg BT 220.64 184.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 252.70 184.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 286.98 184.25 Td (System, ) Tj ET Q q 0 0 0 rg BT 321.01 184.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 361.40 184.25 Td (total ) Tj ET Q q 0 0 0 rg BT 381.25 184.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 422.21 184.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 447.05 184.25 Td (outstanding, ) Tj ET Q q 0 0 0 rg BT 498.29 184.25 Td (which ) Tj ET Q q 0 0 0 rg BT 524.80 184.25 Td (primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.25 Td (excludes ) Tj ET Q q 0 0 0 rg BT 86.73 172.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 109.58 172.25 Td (secured ) Tj ET Q q 0 0 0 rg BT 141.85 172.25 Td (by ) Tj ET Q q 0 0 0 rg BT 153.59 172.25 Td (real ) Tj ET Q q 0 0 0 rg BT 170.32 172.25 Td (estate, ) Tj ET Q q 0 0 0 rg BT 197.32 172.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.62 172.25 Td ($3.8 ) Tj ET Q q 0 0 0 rg BT 233.86 172.25 Td (trillion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.08 172.25 Td ( ) Tj ET Q q 0 0 0 rg BT 262.82 172.25 Td (as ) Tj ET Q q 0 0 0 rg BT 272.89 172.25 Td (of ) Tj ET Q q 0 0 0 rg BT 282.96 172.25 Td (December ) Tj ET Q q 0 0 0 rg BT 325.79 172.25 Td (31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.03 172.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.03 172.25 Td (, ) Tj ET Q q 0 0 0 rg BT 364.27 172.25 Td (an ) Tj ET Q q 0 0 0 rg BT 375.45 172.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 409.94 172.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.01 172.25 Td (5.6%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.84 172.25 Td ( ) Tj ET Q q 0 0 0 rg BT 442.58 172.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.76 172.25 Td ($3.6 ) Tj ET Q q 0 0 0 rg BT 483.00 172.25 Td (trillion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.22 172.25 Td ( ) Tj ET Q q 0 0 0 rg BT 511.97 172.25 Td (at ) Tj ET Q q 0 0 0 rg BT 520.92 172.25 Td (December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.25 Td (31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 65.34 160.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.34 160.25 Td (. ) Tj ET Q q 0 0 0 rg BT 90.67 160.25 Td (Consumers ) Tj ET Q q 0 0 0 rg BT 138.51 160.25 Td (obtain ) Tj ET Q q 0 0 0 rg BT 166.34 160.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 191.94 160.25 Td (from ) Tj ET Q q 0 0 0 rg BT 214.21 160.25 Td (banks, ) Tj ET Q q 0 0 0 rg BT 242.88 160.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 268.48 160.25 Td (unions, ) Tj ET Q q 0 0 0 rg BT 300.48 160.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 332.74 160.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 378.34 160.25 Td (and ) Tj ET Q q 0 0 0 rg BT 395.62 160.25 Td (non-financial ) Tj ET Q q 0 0 0 rg BT 451.76 160.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 496.82 160.25 Td (that ) Tj ET Q q 0 0 0 rg BT 514.65 160.25 Td (of) Tj ET Q q 0 0 0 rg BT 522.80 160.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 536.74 160.25 Td (credit, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.25 Td (including ) Tj ET Q q 0 0 0 rg BT 89.83 148.25 Td (retailers. ) Tj ET Q q 0 0 0 rg BT 126.44 148.25 Td (The ) Tj ET Q q 0 0 0 rg BT 144.04 148.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 168.86 148.25 Td (obtained ) Tj ET Q q 0 0 0 rg BT 205.35 148.25 Td (takes ) Tj ET Q q 0 0 0 rg BT 227.95 148.25 Td (many ) Tj ET Q q 0 0 0 rg BT 252.22 148.25 Td (forms, ) Tj ET Q q 0 0 0 rg BT 280.11 148.25 Td (including ) Tj ET Q q 0 0 0 rg BT 319.94 148.25 Td (revolving ) Tj ET Q q 0 0 0 rg BT 360.32 148.25 Td (\(e.g., ) Tj ET Q q 0 0 0 rg BT 382.64 148.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 407.46 148.25 Td (cards\) ) Tj ET Q q 0 0 0 rg BT 433.95 148.25 Td (and ) Tj ET Q q 0 0 0 rg BT 450.44 148.25 Td (fixed-term ) Tj ET Q q 0 0 0 rg BT 494.70 148.25 Td (\(e.g., ) Tj ET Q q 0 0 0 rg BT 517.02 148.25 Td (automobile ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.25 Td (loans\), ) Tj ET Q q 0 0 0 rg BT 79.44 136.25 Td (and ) Tj ET Q q 0 0 0 rg BT 96.38 136.25 Td (at ) Tj ET Q q 0 0 0 rg BT 106.09 136.25 Td (times ) Tj ET Q q 0 0 0 rg BT 130.26 136.25 Td (is ) Tj ET Q q 0 0 0 rg BT 139.43 136.25 Td (secured ) Tj ET Q q 0 0 0 rg BT 172.47 136.25 Td (by ) Tj ET Q q 0 0 0 rg BT 184.97 136.25 Td (the ) Tj ET Q q 0 0 0 rg BT 199.68 136.25 Td (products ) Tj ET Q q 0 0 0 rg BT 236.62 136.25 Td (being ) Tj ET Q q 0 0 0 rg BT 261.34 136.25 Td (purchased.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 118.25 Td (Competition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.06 118.25 Td ( ) Tj ET Q q 0 0 0 rg BT 105.05 118.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 122.59 118.25 Td (competitive ) Tj ET Q q 0 0 0 rg BT 171.78 118.25 Td (strength ) Tj ET Q q 0 0 0 rg BT 205.98 118.25 Td (is ) Tj ET Q q 0 0 0 rg BT 214.64 118.25 Td (based ) Tj ET Q q 0 0 0 rg BT 239.39 118.25 Td (on ) Tj ET Q q 0 0 0 rg BT 251.38 118.25 Td (of) Tj ET Q q 0 0 0 rg BT 259.53 118.25 Td (fering ) Tj ET Q q 0 0 0 rg BT 285.39 118.25 Td (financing ) Tj ET Q q 0 0 0 rg BT 325.14 118.25 Td (options, ) Tj ET Q q 0 0 0 rg BT 359.08 118.25 Td (including ) Tj ET Q q 0 0 0 rg BT 398.84 118.25 Td (our ) Tj ET Q q 0 0 0 rg BT 414.15 118.25 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 460.56 118.25 Td (in-house ) Tj ET Q q 0 0 0 rg BT 496.99 118.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 521.74 118.25 Td (programs, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.02 106.25 Td (our ) Tj ET Q q 0 0 0 rg BT 75.58 106.25 Td (core ) Tj ET Q q 0 0 0 rg BT 95.03 106.25 Td (credit-constrained ) Tj ET Q q 0 0 0 rg BT 169.45 106.25 Td (customers, ) Tj ET Q q 0 0 0 rg BT 214.74 106.25 Td (enhanced ) Tj ET Q q 0 0 0 rg BT 254.73 106.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 293.62 106.25 Td (service ) Tj ET Q q 0 0 0 rg BT 324.18 106.25 Td (and ) Tj ET Q q 0 0 0 rg BT 340.85 106.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 379.75 106.25 Td (shopping ) Tj ET Q q 0 0 0 rg BT 418.65 106.25 Td (experience ) Tj ET Q q 0 0 0 rg BT 464.19 106.25 Td (through ) Tj ET Q q 0 0 0 rg BT 497.54 106.25 Td (our ) Tj ET Q q 0 0 0 rg BT 513.11 106.25 Td (unique ) Tj ET Q q 0 0 0 rg BT 542.56 106.25 Td (sales ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.25 Td (force ) Tj ET Q q 0 0 0 rg BT 73.09 94.25 Td (training ) Tj ET Q q 0 0 0 rg BT 106.75 94.25 Td (and ) Tj ET Q q 0 0 0 rg BT 123.74 94.25 Td (product ) Tj ET Q q 0 0 0 rg BT 156.84 94.25 Td (knowledge, ) Tj ET Q q 0 0 0 rg BT 205.77 94.25 Td (next ) Tj ET Q q 0 0 0 rg BT 225.54 94.25 Td (day ) Tj ET Q q 0 0 0 rg BT 242.53 94.25 Td (delivery ) Tj ET Q q 0 0 0 rg BT 277.85 94.25 Td (capabilities, ) Tj ET Q q 0 0 0 rg BT 328.44 94.25 Td (low ) Tj ET Q q 0 0 0 rg BT 346.00 94.25 Td (price ) Tj ET Q q 0 0 0 rg BT 368.54 94.25 Td (guarantee ) Tj ET Q q 0 0 0 rg BT 409.95 94.25 Td (and ) Tj ET Q q 0 0 0 rg BT 426.94 94.25 Td (product ) Tj ET Q q 0 0 0 rg BT 460.04 94.25 Td (repair ) Tj ET Q q 0 0 0 rg BT 485.91 94.25 Td (service. ) Tj ET Q q 0 0 0 rg BT 519.28 94.25 Td ( ) Tj ET Q q 0 0 0 rg BT 521.84 94.25 Td (Currently) Tj ET Q q 0 0 0 rg BT 559.51 94.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.25 Td (we ) Tj ET Q q 0 0 0 rg BT 64.17 82.25 Td (compete ) Tj ET Q q 0 0 0 rg BT 100.55 82.25 Td (against ) Tj ET Q q 0 0 0 rg BT 131.39 82.25 Td (a ) Tj ET Q q 0 0 0 rg BT 138.33 82.25 Td (diverse ) Tj ET Q q 0 0 0 rg BT 169.72 82.25 Td (group ) Tj ET Q q 0 0 0 rg BT 195.56 82.25 Td (of ) Tj ET Q q 0 0 0 rg BT 206.40 82.25 Td (retailers, ) Tj ET Q q 0 0 0 rg BT 243.61 82.25 Td (including ) Tj ET Q q 0 0 0 rg BT 283.90 82.25 Td (national ) Tj ET Q q 0 0 0 rg BT 318.62 82.25 Td (mass ) Tj ET Q q 0 0 0 rg BT 341.13 82.25 Td (merchants ) Tj ET Q q 0 0 0 rg BT 384.73 82.25 Td (such ) Tj ET Q q 0 0 0 rg BT 405.57 82.25 Td (as ) Tj ET Q q 0 0 0 rg BT 416.41 82.25 Td (Sears, ) Tj ET Q q 0 0 0 rg BT 442.90 82.25 Td (W) Tj ET Q q 0 0 0 rg BT 451.54 82.25 Td (al-Mart, ) Tj ET Q q 0 0 0 rg BT 486.35 82.25 Td (T) Tj ET Q q 0 0 0 rg BT 491.76 82.25 Td (ar) Tj ET Q q 0 0 0 rg BT 499.35 82.25 Td (get, ) Tj ET Q q 0 0 0 rg BT 516.58 82.25 Td (Sam's ) Tj ET Q q 0 0 0 rg BT 542.56 82.25 Td (Club ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.79 70.25 Td (Costco, ) Tj ET Q q 0 0 0 rg BT 99.42 70.25 Td (specialized ) Tj ET Q q 0 0 0 rg BT 146.19 70.25 Td (national ) Tj ET Q q 0 0 0 rg BT 180.75 70.25 Td (retailers ) Tj ET Q q 0 0 0 rg BT 215.30 70.25 Td (such ) Tj ET Q q 0 0 0 rg BT 235.98 70.25 Td (as ) Tj ET Q q 0 0 0 rg BT 246.66 70.25 Td (Best ) Tj ET Q q 0 0 0 rg BT 266.79 70.25 Td (Buy) Tj ET Q q 0 0 0 rg BT 282.81 70.25 Td (, ) Tj ET Q q 0 0 0 rg BT 287.14 70.25 Td (Ashley ) Tj ET Q q 0 0 0 rg BT 317.82 70.25 Td (Furniture, ) Tj ET Q q 0 0 0 rg BT 359.89 70.25 Td (and ) Tj ET Q q 0 0 0 rg BT 376.68 70.25 Td (Mattress ) Tj ET Q q 0 0 0 rg BT 413.46 70.25 Td (Firm, ) Tj ET Q q 0 0 0 rg BT 437.76 70.25 Td (home ) Tj ET Q q 0 0 0 rg BT 462.33 70.25 Td (improvement ) Tj ET Q q 0 0 0 rg BT 518.00 70.25 Td (stores ) Tj ET Q q 0 0 0 rg BT 543.68 70.25 Td (such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.25 Td (as ) Tj ET Q q 0 0 0 rg BT 61.03 58.25 Td (Lowe's ) Tj ET Q q 0 0 0 rg BT 92.20 58.25 Td (and ) Tj ET Q q 0 0 0 rg BT 109.34 58.25 Td (Home ) Tj ET Q q 0 0 0 rg BT 136.48 58.25 Td (Depot, ) Tj ET Q q 0 0 0 rg BT 166.12 58.25 Td (and ) Tj ET Q q 0 0 0 rg BT 183.26 58.25 Td (locally-owned ) Tj ET Q q 0 0 0 rg BT 243.16 58.25 Td (regional ) Tj ET Q q 0 0 0 rg BT 278.63 58.25 Td (or ) Tj ET Q q 0 0 0 rg BT 289.66 58.25 Td (independent ) Tj ET Q q 0 0 0 rg BT 341.23 58.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 364.47 58.25 Td (specialty ) Tj ET Q q 0 0 0 rg BT 402.72 58.25 Td (stores ) Tj ET Q q 0 0 0 rg BT 428.75 58.25 Td (that ) Tj ET Q q 0 0 0 rg BT 446.45 58.25 Td (sell ) Tj ET Q q 0 0 0 rg BT 463.03 58.25 Td (furniture ) Tj ET Q q 0 0 0 rg BT 500.72 58.25 Td (and ) Tj ET Q q 0 0 0 rg BT 517.86 58.25 Td (mattresses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.25 Td (home ) Tj ET Q q 0 0 0 rg BT 75.38 46.25 Td (appliances, ) Tj ET Q q 0 0 0 rg BT 123.25 46.25 Td (and ) Tj ET Q q 0 0 0 rg BT 140.85 46.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 182.89 46.25 Td (electronics ) Tj ET Q q 0 0 0 rg BT 229.36 46.25 Td (similar) Tj ET Q q 0 0 0 rg BT 256.73 46.25 Td (, ) Tj ET Q q 0 0 0 rg BT 262.40 46.25 Td (and ) Tj ET Q q 0 0 0 rg BT 280.00 46.25 Td (often ) Tj ET Q q 0 0 0 rg BT 303.71 46.25 Td (identical, ) Tj ET Q q 0 0 0 rg BT 343.80 46.25 Td (to ) Tj ET Q q 0 0 0 rg BT 354.74 46.25 Td (those ) Tj ET Q q 0 0 0 rg BT 379.01 46.25 Td (items ) Tj ET Q q 0 0 0 rg BT 403.84 46.25 Td (we ) Tj ET Q q 0 0 0 rg BT 418.66 46.25 Td (sell. ) Tj ET Q q 0 0 0 rg BT 437.98 46.25 Td (W) Tj ET Q q 0 0 0 rg BT 446.62 46.25 Td (e ) Tj ET Q q 0 0 0 rg BT 454.22 46.25 Td (also ) Tj ET Q q 0 0 0 rg BT 473.50 46.25 Td (compete ) Tj ET Q q 0 0 0 rg BT 510.53 46.25 Td (with ) Tj ET Q q 0 0 0 rg BT 531.47 46.25 Td (internet ) Tj ET Q endstream endobj 17 0 obj <>] /Rotate 0 /Contents 18 0 R>> endobj 18 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (retailers ) Tj ET Q q 0 0 0 rg BT 84.74 742.10 Td (such ) Tj ET Q q 0 0 0 rg BT 105.60 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 115.90 742.10 Td (Amazon, ) Tj ET Q q 0 0 0 rg BT 154.63 742.10 Td (W) Tj ET Q q 0 0 0 rg BT 163.27 742.10 Td (ayfair ) Tj ET Q q 0 0 0 rg BT 189.12 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 206.09 742.10 Td (manufacturer) Tj ET Q q 0 0 0 rg BT 259.19 742.10 Td (-direct ) Tj ET Q q 0 0 0 rg BT 287.82 742.10 Td (websites. ) Tj ET Q q 0 0 0 rg BT 327.29 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 329.82 742.10 Td (In ) Tj ET Q q 0 0 0 rg BT 340.68 742.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 378.49 742.10 Td (there ) Tj ET Q q 0 0 0 rg BT 401.01 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 415.75 742.10 Td (few ) Tj ET Q q 0 0 0 rg BT 433.27 742.10 Td (barriers ) Tj ET Q q 0 0 0 rg BT 466.34 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 476.65 742.10 Td (entry ) Tj ET Q q 0 0 0 rg BT 499.73 742.10 Td (into ) Tj ET Q q 0 0 0 rg BT 517.82 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 533.69 742.10 Td (current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.65 730.10 Td (contemplated ) Tj ET Q q 0 0 0 rg BT 122.73 730.10 Td (markets, ) Tj ET Q q 0 0 0 rg BT 159.09 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 175.74 730.10 Td (new ) Tj ET Q q 0 0 0 rg BT 194.61 730.10 Td (competitors ) Tj ET Q q 0 0 0 rg BT 244.04 730.10 Td (may ) Tj ET Q q 0 0 0 rg BT 263.46 730.10 Td (enter ) Tj ET Q q 0 0 0 rg BT 285.66 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 301.20 730.10 Td (current ) Tj ET Q q 0 0 0 rg BT 331.73 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 342.27 730.10 Td (future ) Tj ET Q q 0 0 0 rg BT 368.36 730.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 402.22 730.10 Td (at ) Tj ET Q q 0 0 0 rg BT 411.65 730.10 Td (any ) Tj ET Q q 0 0 0 rg BT 428.30 730.10 Td (time.However) Tj ET Q q 0 0 0 rg BT 487.32 730.10 Td (, ) Tj ET Q q 0 0 0 rg BT 492.04 730.10 Td (these ) Tj ET Q q 0 0 0 rg BT 514.79 730.10 Td (competitors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 87.93 718.10 Td (do ) Tj ET Q q 0 0 0 rg BT 100.87 718.10 Td (not ) Tj ET Q q 0 0 0 rg BT 116.59 718.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 150.08 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 157.46 718.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 183.17 718.10 Td (of) Tj ET Q q 0 0 0 rg BT 191.32 718.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 218.14 718.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 248.85 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 259.57 718.10 Td (our ) Tj ET Q q 0 0 0 rg BT 275.84 718.10 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 323.21 718.10 Td (in-house ) Tj ET Q q 0 0 0 rg BT 360.59 718.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 386.30 718.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 427.01 718.10 Td (for ) Tj ET Q q 0 0 0 rg BT 441.61 718.10 Td (credit-constrained ) Tj ET Q q 0 0 0 rg BT 516.74 718.10 Td (consumers. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 706.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.79 706.10 Td (also ) Tj ET Q q 0 0 0 rg BT 84.61 706.10 Td (compete ) Tj ET Q q 0 0 0 rg BT 121.19 706.10 Td (against ) Tj ET Q q 0 0 0 rg BT 152.23 706.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 197.71 706.10 Td (of) Tj ET Q q 0 0 0 rg BT 205.86 706.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 232.45 706.10 Td (credit-constrained ) Tj ET Q q 0 0 0 rg BT 307.35 706.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 352.83 706.10 Td (products ) Tj ET Q q 0 0 0 rg BT 389.98 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 404.35 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 419.28 706.10 Td (home ) Tj ET Q q 0 0 0 rg BT 444.21 706.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 474.69 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 485.19 706.10 Td (those ) Tj ET Q q 0 0 0 rg BT 509.01 706.10 Td (of) Tj ET Q q 0 0 0 rg BT 517.16 706.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 540.41 706.10 Td (by ) Tj ET Q q 0 0 0 rg BT 553.12 706.10 Td (us ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (under ) Tj ET Q q 0 0 0 rg BT 74.46 694.10 Td (weekly ) Tj ET Q q 0 0 0 rg BT 105.03 694.10 Td (or ) Tj ET Q q 0 0 0 rg BT 115.06 694.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 150.08 694.10 Td (lease-to-own ) Tj ET Q q 0 0 0 rg BT 203.42 694.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 239.55 694.10 Td (options.Competitors ) Tj ET Q q 0 0 0 rg BT 325.13 694.10 Td (include ) Tj ET Q q 0 0 0 rg BT 355.89 694.10 Td (Aaron's ) Tj ET Q q 0 0 0 rg BT 388.26 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 404.40 694.10 Td (Rent-A-Center) Tj ET Q q 0 0 0 rg BT 463.42 694.10 Td (, ) Tj ET Q q 0 0 0 rg BT 467.61 694.10 Td (as ) Tj ET Q q 0 0 0 rg BT 477.64 694.10 Td (well ) Tj ET Q q 0 0 0 rg BT 496.55 694.10 Td (as ) Tj ET Q q 0 0 0 rg BT 506.57 694.10 Td (many ) Tj ET Q q 0 0 0 rg BT 530.48 694.10 Td (smaller) Tj ET Q q 0 0 0 rg BT 559.51 694.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 101.37 682.10 Td (companies.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (Customers) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 646.10 Td (e ) Tj ET Q q 0 0 0 rg BT 66.34 646.10 Td (have ) Tj ET Q q 0 0 0 rg BT 88.49 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 96.19 646.10 Td (well-defined ) Tj ET Q q 0 0 0 rg BT 149.99 646.10 Td (core ) Tj ET Q q 0 0 0 rg BT 170.46 646.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 212.61 646.10 Td (base ) Tj ET Q q 0 0 0 rg BT 233.64 646.10 Td (that ) Tj ET Q q 0 0 0 rg BT 251.90 646.10 Td (is ) Tj ET Q q 0 0 0 rg BT 261.84 646.10 Td (comprised ) Tj ET Q q 0 0 0 rg BT 306.76 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 318.36 646.10 Td (working ) Tj ET Q q 0 0 0 rg BT 354.96 646.10 Td (individuals ) Tj ET Q q 0 0 0 rg BT 402.67 646.10 Td (who ) Tj ET Q q 0 0 0 rg BT 423.15 646.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 461.41 646.10 Td (earn ) Tj ET Q q 0 0 0 rg BT 481.88 646.10 Td (between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.47 646.10 Td ($25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.97 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 554.23 646.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td ($60,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.50 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 84.97 634.10 Td (in ) Tj ET Q q 0 0 0 rg BT 95.21 634.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 124.33 634.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 158.73 634.10 Td (live ) Tj ET Q q 0 0 0 rg BT 176.19 634.10 Td (in ) Tj ET Q q 0 0 0 rg BT 186.44 634.10 Td (densely ) Tj ET Q q 0 0 0 rg BT 219.45 634.10 Td (populated ) Tj ET Q q 0 0 0 rg BT 261.35 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 278.25 634.10 Td (mature ) Tj ET Q q 0 0 0 rg BT 308.48 634.10 Td (neighborhoods, ) Tj ET Q q 0 0 0 rg BT 372.89 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 389.79 634.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 427.25 634.10 Td (shop ) Tj ET Q q 0 0 0 rg BT 448.60 634.10 Td (at ) Tj ET Q q 0 0 0 rg BT 458.29 634.10 Td (our ) Tj ET Q q 0 0 0 rg BT 474.08 634.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 499.88 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 510.12 634.10 Td (replace ) Tj ET Q q 0 0 0 rg BT 541.45 634.10 Td (older ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (household ) Tj ET Q q 0 0 0 rg BT 93.90 622.10 Td (goods ) Tj ET Q q 0 0 0 rg BT 120.57 622.10 Td (with ) Tj ET Q q 0 0 0 rg BT 141.14 622.10 Td (newer ) Tj ET Q q 0 0 0 rg BT 168.36 622.10 Td (items. ) Tj ET Q q 0 0 0 rg BT 195.31 622.10 Td ( ) Tj ET Q q 0 0 0 rg BT 198.09 622.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 216.43 622.10 Td (product ) Tj ET Q q 0 0 0 rg BT 249.77 622.10 Td (line ) Tj ET Q q 0 0 0 rg BT 267.55 622.10 Td (is ) Tj ET Q q 0 0 0 rg BT 277.01 622.10 Td (comprised ) Tj ET Q q 0 0 0 rg BT 321.45 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 332.57 622.10 Td (durable ) Tj ET Q q 0 0 0 rg BT 365.34 622.10 Td (home ) Tj ET Q q 0 0 0 rg BT 390.34 622.10 Td (necessities ) Tj ET Q q 0 0 0 rg BT 435.89 622.10 Td (which ) Tj ET Q q 0 0 0 rg BT 463.12 622.10 Td (enables ) Tj ET Q q 0 0 0 rg BT 495.89 622.10 Td (us ) Tj ET Q q 0 0 0 rg BT 507.57 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 518.14 622.10 Td (appeal ) Tj ET Q q 0 0 0 rg BT 547.02 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 557.58 622.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (diverse ) Tj ET Q q 0 0 0 rg BT 81.27 610.10 Td (range ) Tj ET Q q 0 0 0 rg BT 105.86 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 116.58 610.10 Td (cultural ) Tj ET Q q 0 0 0 rg BT 149.51 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 166.34 610.10 Td (socioeconomic ) Tj ET Q q 0 0 0 rg BT 228.71 610.10 Td (backgrounds ) Tj ET Q q 0 0 0 rg BT 282.20 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 299.03 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 309.19 610.10 Td (operate ) Tj ET Q q 0 0 0 rg BT 341.01 610.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 366.73 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 376.89 610.10 Td (diverse ) Tj ET Q q 0 0 0 rg BT 408.16 610.10 Td (markets. ) Tj ET Q q 0 0 0 rg BT 444.70 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 447.09 610.10 Td (No ) Tj ET Q q 0 0 0 rg BT 461.70 610.10 Td (single ) Tj ET Q q 0 0 0 rg BT 487.98 610.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 527.02 610.10 Td (accounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.77 598.10 Td (more ) Tj ET Q q 0 0 0 rg BT 86.42 598.10 Td (than ) Tj ET Q q 0 0 0 rg BT 105.74 598.10 Td (10% ) Tj ET Q q 0 0 0 rg BT 126.18 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 136.61 598.10 Td (our ) Tj ET Q q 0 0 0 rg BT 152.05 598.10 Td (total ) Tj ET Q q 0 0 0 rg BT 171.93 598.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 209.57 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 226.12 598.10 Td (we ) Tj ET Q q 0 0 0 rg BT 239.88 598.10 Td (do ) Tj ET Q q 0 0 0 rg BT 251.99 598.10 Td (not ) Tj ET Q q 0 0 0 rg BT 266.87 598.10 Td (have ) Tj ET Q q 0 0 0 rg BT 287.86 598.10 Td (a ) Tj ET Q q 0 0 0 rg BT 294.40 598.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 338.72 598.10 Td (concentration ) Tj ET Q q 0 0 0 rg BT 395.24 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 405.68 598.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 427.22 598.10 Td (with ) Tj ET Q q 0 0 0 rg BT 447.11 598.10 Td (any ) Tj ET Q q 0 0 0 rg BT 463.65 598.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 506.31 598.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 545.07 598.10 Td (and, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (therefore, ) Tj ET Q q 0 0 0 rg BT 91.08 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 105.80 586.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 123.86 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 134.69 586.10 Td (any ) Tj ET Q q 0 0 0 rg BT 151.63 586.10 Td (one ) Tj ET Q q 0 0 0 rg BT 168.57 586.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 207.72 586.10 Td (would ) Tj ET Q q 0 0 0 rg BT 235.22 586.10 Td (not ) Tj ET Q q 0 0 0 rg BT 250.50 586.10 Td (have ) Tj ET Q q 0 0 0 rg BT 271.88 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 278.82 586.10 Td (material ) Tj ET Q q 0 0 0 rg BT 314.08 586.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 343.79 586.10 Td (on ) Tj ET Q q 0 0 0 rg BT 356.29 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 372.12 586.10 Td (business. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (Seasonality) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.34 568.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 67.88 550.10 Td (business ) Tj ET Q q 0 0 0 rg BT 104.09 550.10 Td (is ) Tj ET Q q 0 0 0 rg BT 113.09 550.10 Td (seasonal ) Tj ET Q q 0 0 0 rg BT 149.29 550.10 Td (with ) Tj ET Q q 0 0 0 rg BT 169.39 550.10 Td (a ) Tj ET Q q 0 0 0 rg BT 176.15 550.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 204.02 550.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 235.23 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 245.89 550.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 267.65 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 284.41 550.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 324.50 550.10 Td (profit ) Tj ET Q q 0 0 0 rg BT 349.04 550.10 Td (realized ) Tj ET Q q 0 0 0 rg BT 383.01 550.10 Td (during ) Tj ET Q q 0 0 0 rg BT 411.44 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 425.98 550.10 Td (fourth ) Tj ET Q q 0 0 0 rg BT 452.74 550.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 483.38 550.10 Td (due ) Tj ET Q q 0 0 0 rg BT 500.15 550.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 539.68 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 549.79 550.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (holiday ) Tj ET Q q 0 0 0 rg BT 82.10 538.10 Td (selling ) Tj ET Q q 0 0 0 rg BT 110.86 538.10 Td (season. ) Tj ET Q q 0 0 0 rg BT 142.12 538.10 Td (In ) Tj ET Q q 0 0 0 rg BT 152.55 538.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 189.93 538.10 Td (during ) Tj ET Q q 0 0 0 rg BT 218.14 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 232.46 538.10 Td (first ) Tj ET Q q 0 0 0 rg BT 250.67 538.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 278.58 538.10 Td (, ) Tj ET Q q 0 0 0 rg BT 283.18 538.10 Td (our ) Tj ET Q q 0 0 0 rg BT 298.61 538.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 335.71 538.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 388.33 538.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 422.09 538.10 Td (from ) Tj ET Q q 0 0 0 rg BT 443.63 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.95 538.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 486.16 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 496.59 538.10 Td (personal ) Tj ET Q q 0 0 0 rg BT 532.57 538.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 64.72 526.10 Td (refunds ) Tj ET Q q 0 0 0 rg BT 97.21 526.10 Td (received ) Tj ET Q q 0 0 0 rg BT 133.57 526.10 Td (by ) Tj ET Q q 0 0 0 rg BT 146.07 526.10 Td (our ) Tj ET Q q 0 0 0 rg BT 161.90 526.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 204.95 526.10 Td (which ) Tj ET Q q 0 0 0 rg BT 231.88 526.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 269.38 526.10 Td (results ) Tj ET Q q 0 0 0 rg BT 297.98 526.10 Td (in ) Tj ET Q q 0 0 0 rg BT 308.26 526.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 336.31 526.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 356.58 526.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 398.51 526.10 Td (rates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.88 526.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (Mer) Tj ET Q q 0 0 0 rg BT 68.13 508.10 Td (chandising) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (V) Tj ET Q q 0 0 0 rg BT 55.56 490.10 Td (endors.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 85.84 490.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.34 490.10 Td (W) Tj ET Q q 0 0 0 rg BT 96.98 490.10 Td (e ) Tj ET Q q 0 0 0 rg BT 104.12 490.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 142.35 490.10 Td (products ) Tj ET Q q 0 0 0 rg BT 179.49 490.10 Td (from ) Tj ET Q q 0 0 0 rg BT 201.63 490.10 Td (a ) Tj ET Q q 0 0 0 rg BT 208.76 490.10 Td (wide ) Tj ET Q q 0 0 0 rg BT 230.90 490.10 Td (range ) Tj ET Q q 0 0 0 rg BT 255.80 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.83 490.10 Td (manufacturers ) Tj ET Q q 0 0 0 rg BT 326.72 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 343.86 490.10 Td (distributors. ) Tj ET Q q 0 0 0 rg BT 394.61 490.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 412.86 490.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 461.09 490.10 Td (with ) Tj ET Q q 0 0 0 rg BT 481.57 490.10 Td (these ) Tj ET Q q 0 0 0 rg BT 504.81 490.10 Td (manufacturers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.26 478.10 Td (distributors ) Tj ET Q q 0 0 0 rg BT 115.63 478.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 153.44 478.10 Td (cover ) Tj ET Q q 0 0 0 rg BT 178.46 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 185.72 478.10 Td (one-year ) Tj ET Q q 0 0 0 rg BT 223.51 478.10 Td (time ) Tj ET Q q 0 0 0 rg BT 244.10 478.10 Td (period ) Tj ET Q q 0 0 0 rg BT 272.47 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 289.72 478.10 Td (are ) Tj ET Q q 0 0 0 rg BT 304.75 478.10 Td (renewable ) Tj ET Q q 0 0 0 rg BT 348.65 478.10 Td (at ) Tj ET Q q 0 0 0 rg BT 358.68 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 373.72 478.10 Td (option ) Tj ET Q q 0 0 0 rg BT 402.09 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 413.24 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 428.27 478.10 Td (parties. ) Tj ET Q q 0 0 0 rg BT 460.24 478.10 Td (Similar ) Tj ET Q q 0 0 0 rg BT 492.50 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 503.10 478.10 Td (other ) Tj ET Q q 0 0 0 rg BT 526.46 478.10 Td (specialty ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (retailers, ) Tj ET Q q 0 0 0 rg BT 86.50 466.10 Td (we ) Tj ET Q q 0 0 0 rg BT 99.97 466.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 137.30 466.10 Td (a ) Tj ET Q q 0 0 0 rg BT 143.54 466.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 187.56 466.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 218.25 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 228.38 466.10 Td (our ) Tj ET Q q 0 0 0 rg BT 243.51 466.10 Td (total ) Tj ET Q q 0 0 0 rg BT 263.09 466.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 303.21 466.10 Td (from ) Tj ET Q q 0 0 0 rg BT 324.45 466.10 Td (a ) Tj ET Q q 0 0 0 rg BT 330.69 466.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 360.83 466.10 Td (number ) Tj ET Q q 0 0 0 rg BT 393.17 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 403.31 466.10 Td (vendors. ) Tj ET Q q 0 0 0 rg BT 439.27 466.10 Td (During ) Tj ET Q q 0 0 0 rg BT 469.40 466.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 492.86 466.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.87 466.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.87 466.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.17 466.10 Td (62.1%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.00 466.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.77 454.10 Td (our ) Tj ET Q q 0 0 0 rg BT 76.53 454.10 Td (total ) Tj ET Q q 0 0 0 rg BT 96.74 454.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 137.50 454.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 179.37 454.10 Td (were ) Tj ET Q q 0 0 0 rg BT 201.24 454.10 Td (from ) Tj ET Q q 0 0 0 rg BT 223.11 454.10 Td (six ) Tj ET Q q 0 0 0 rg BT 237.22 454.10 Td (vendors, ) Tj ET Q q 0 0 0 rg BT 273.81 454.10 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.02 454.10 Td (27.6%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.85 454.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.79 454.10 Td (14.8%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.62 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 373.06 454.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.93 454.10 Td (6.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.76 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 413.20 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 423.96 454.10 Td (our ) Tj ET Q q 0 0 0 rg BT 439.73 454.10 Td (total ) Tj ET Q q 0 0 0 rg BT 459.94 454.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 500.70 454.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 542.57 454.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (Samsung, ) Tj ET Q q 0 0 0 rg BT 91.03 442.10 Td (LG, ) Tj ET Q q 0 0 0 rg BT 108.72 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 125.02 442.10 Td (New ) Tj ET Q q 0 0 0 rg BT 145.35 442.10 Td (Age, ) Tj ET Q q 0 0 0 rg BT 166.37 442.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 214.03 442.10 Td (. ) Tj ET Q q 0 0 0 rg BT 218.26 442.10 Td (The ) Tj ET Q q 0 0 0 rg BT 235.67 442.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 253.09 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.28 442.10 Td (any ) Tj ET Q q 0 0 0 rg BT 279.58 442.10 Td (one ) Tj ET Q q 0 0 0 rg BT 295.88 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 306.07 442.10 Td (more ) Tj ET Q q 0 0 0 rg BT 328.47 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 338.66 442.10 Td (these ) Tj ET Q q 0 0 0 rg BT 361.07 442.10 Td (key ) Tj ET Q q 0 0 0 rg BT 377.37 442.10 Td (vendors ) Tj ET Q q 0 0 0 rg BT 410.89 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 421.08 442.10 Td (our ) Tj ET Q q 0 0 0 rg BT 436.27 442.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 464.23 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 473.86 442.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 510.72 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 527.02 442.10 Td (maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 102.97 430.10 Td (with ) Tj ET Q q 0 0 0 rg BT 122.61 430.10 Td (these ) Tj ET Q q 0 0 0 rg BT 145.02 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 161.32 430.10 Td (other ) Tj ET Q q 0 0 0 rg BT 183.74 430.10 Td (vendors ) Tj ET Q q 0 0 0 rg BT 217.26 430.10 Td (could ) Tj ET Q q 0 0 0 rg BT 241.34 430.10 Td (have ) Tj ET Q q 0 0 0 rg BT 262.08 430.10 Td (a ) Tj ET Q q 0 0 0 rg BT 268.38 430.10 Td (material ) Tj ET Q q 0 0 0 rg BT 303.01 430.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 335.41 430.10 Td (ef) Tj ET Q q 0 0 0 rg BT 343.00 430.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 359.85 430.10 Td (on ) Tj ET Q q 0 0 0 rg BT 371.71 430.10 Td (our ) Tj ET Q q 0 0 0 rg BT 386.91 430.10 Td (results ) Tj ET Q q 0 0 0 rg BT 414.88 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 425.07 430.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 468.59 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 484.89 430.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 521.74 430.10 Td (condition. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 75.70 418.10 Td (than ) Tj ET Q q 0 0 0 rg BT 95.85 418.10 Td (industry-wide ) Tj ET Q q 0 0 0 rg BT 154.33 418.10 Td (shortages ) Tj ET Q q 0 0 0 rg BT 195.03 418.10 Td (that ) Tj ET Q q 0 0 0 rg BT 212.95 418.10 Td (occur ) Tj ET Q q 0 0 0 rg BT 238.09 418.10 Td (from ) Tj ET Q q 0 0 0 rg BT 260.46 418.10 Td (time ) Tj ET Q q 0 0 0 rg BT 281.16 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 291.87 418.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 315.08 418.10 Td (we ) Tj ET Q q 0 0 0 rg BT 329.67 418.10 Td (have ) Tj ET Q q 0 0 0 rg BT 351.48 418.10 Td (not ) Tj ET Q q 0 0 0 rg BT 367.19 418.10 Td (experienced ) Tj ET Q q 0 0 0 rg BT 418.42 418.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 463.56 418.10 Td (dif) Tj ET Q q 0 0 0 rg BT 474.49 418.10 Td (ficulty ) Tj ET Q q 0 0 0 rg BT 503.52 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 514.23 418.10 Td (maintaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (adequate ) Tj ET Q q 0 0 0 rg BT 87.49 406.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 119.44 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 129.73 406.10 Td (merchandise ) Tj ET Q q 0 0 0 rg BT 182.22 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 198.61 406.10 Td (we ) Tj ET Q q 0 0 0 rg BT 212.23 406.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 251.39 406.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 279.44 406.10 Td (that ) Tj ET Q q 0 0 0 rg BT 296.40 406.10 Td (adequate ) Tj ET Q q 0 0 0 rg BT 333.89 406.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 365.83 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 376.12 406.10 Td (merchandise ) Tj ET Q q 0 0 0 rg BT 428.61 406.10 Td (will ) Tj ET Q q 0 0 0 rg BT 446.13 406.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 482.52 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 492.26 406.10 Td (exist ) Tj ET Q q 0 0 0 rg BT 513.10 406.10 Td (for ) Tj ET Q q 0 0 0 rg BT 526.72 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 540.89 406.10 Td (types ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 394.10 Td (products ) Tj ET Q q 0 0 0 rg BT 97.77 394.10 Td (we ) Tj ET Q q 0 0 0 rg BT 111.93 394.10 Td (sell.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (Merchandise.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 106.39 376.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.89 376.10 Td (W) Tj ET Q q 0 0 0 rg BT 117.53 376.10 Td (e ) Tj ET Q q 0 0 0 rg BT 124.32 376.10 Td (focus ) Tj ET Q q 0 0 0 rg BT 148.34 376.10 Td (on ) Tj ET Q q 0 0 0 rg BT 160.70 376.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 201.94 376.10 Td (a ) Tj ET Q q 0 0 0 rg BT 208.73 376.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 271.62 376.10 Td (selection ) Tj ET Q q 0 0 0 rg BT 309.52 376.10 Td (of ) Tj ET Q q 0 0 0 rg BT 320.21 376.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 350.33 376.10 Td (merchandise ) Tj ET Q q 0 0 0 rg BT 403.22 376.10 Td (at ) Tj ET Q q 0 0 0 rg BT 412.80 376.10 Td (a ) Tj ET Q q 0 0 0 rg BT 419.59 376.10 Td (wide ) Tj ET Q q 0 0 0 rg BT 441.38 376.10 Td (range ) Tj ET Q q 0 0 0 rg BT 465.95 376.10 Td (of ) Tj ET Q q 0 0 0 rg BT 476.63 376.10 Td (price ) Tj ET Q q 0 0 0 rg BT 498.97 376.10 Td (points ) Tj ET Q q 0 0 0 rg BT 525.78 376.10 Td (to ) Tj ET Q q 0 0 0 rg BT 535.91 376.10 Td (appeal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.02 364.10 Td (a ) Tj ET Q q 0 0 0 rg BT 66.70 364.10 Td (broad ) Tj ET Q q 0 0 0 rg BT 91.72 364.10 Td (range ) Tj ET Q q 0 0 0 rg BT 116.17 364.10 Td (of ) Tj ET Q q 0 0 0 rg BT 126.74 364.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 163.97 364.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 209.10 364.10 Td (W) Tj ET Q q 0 0 0 rg BT 217.74 364.10 Td (e ) Tj ET Q q 0 0 0 rg BT 224.42 364.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 263.88 364.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 280.01 364.10 Td (brand ) Tj ET Q q 0 0 0 rg BT 305.02 364.10 Td (name ) Tj ET Q q 0 0 0 rg BT 328.92 364.10 Td (warranted ) Tj ET Q q 0 0 0 rg BT 371.14 364.10 Td (merchandise. ) Tj ET Q q 0 0 0 rg BT 426.42 364.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 444.21 364.10 Td (established ) Tj ET Q q 0 0 0 rg BT 490.89 364.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 544.23 364.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (furniture ) Tj ET Q q 0 0 0 rg BT 87.45 352.10 Td (and ) Tj ET Q q 0 0 0 rg BT 104.35 352.10 Td (mattress, ) Tj ET Q q 0 0 0 rg BT 142.63 352.10 Td (home ) Tj ET Q q 0 0 0 rg BT 167.31 352.10 Td (appliance ) Tj ET Q q 0 0 0 rg BT 208.08 352.10 Td (and ) Tj ET Q q 0 0 0 rg BT 224.98 352.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 266.32 352.10 Td (electronics ) Tj ET Q q 0 0 0 rg BT 312.09 352.10 Td (vendors ) Tj ET Q q 0 0 0 rg BT 346.21 352.10 Td (give ) Tj ET Q q 0 0 0 rg BT 365.89 352.10 Td (us ) Tj ET Q q 0 0 0 rg BT 377.24 352.10 Td (purchasing ) Tj ET Q q 0 0 0 rg BT 423.58 352.10 Td (power ) Tj ET Q q 0 0 0 rg BT 451.03 352.10 Td (that ) Tj ET Q q 0 0 0 rg BT 468.49 352.10 Td (allows ) Tj ET Q q 0 0 0 rg BT 497.06 352.10 Td (us ) Tj ET Q q 0 0 0 rg BT 508.41 352.10 Td (to ) Tj ET Q q 0 0 0 rg BT 518.65 352.10 Td (of) Tj ET Q q 0 0 0 rg BT 526.80 352.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 540.36 352.10 Td (name ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (brand ) Tj ET Q q 0 0 0 rg BT 74.19 340.10 Td (appliances ) Tj ET Q q 0 0 0 rg BT 117.81 340.10 Td (and ) Tj ET Q q 0 0 0 rg BT 133.67 340.10 Td (electronics ) Tj ET Q q 0 0 0 rg BT 178.40 340.10 Td (at ) Tj ET Q q 0 0 0 rg BT 187.04 340.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 212.33 340.10 Td (that ) Tj ET Q q 0 0 0 rg BT 228.75 340.10 Td (are ) Tj ET Q q 0 0 0 rg BT 242.38 340.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 290.44 340.10 Td (with ) Tj ET Q q 0 0 0 rg BT 309.63 340.10 Td (national ) Tj ET Q q 0 0 0 rg BT 343.27 340.10 Td (retailers ) Tj ET Q q 0 0 0 rg BT 376.89 340.10 Td (and ) Tj ET Q q 0 0 0 rg BT 392.75 340.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 428.60 340.10 Td (us ) Tj ET Q q 0 0 0 rg BT 438.92 340.10 Td (a ) Tj ET Q q 0 0 0 rg BT 444.77 340.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 493.40 340.10 Td (selling ) Tj ET Q q 0 0 0 rg BT 521.49 340.10 Td (advantage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (over ) Tj ET Q q 0 0 0 rg BT 70.20 328.10 Td (smaller ) Tj ET Q q 0 0 0 rg BT 102.07 328.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 153.37 328.10 Td (retailers. ) Tj ET Q q 0 0 0 rg BT 190.33 328.10 Td (W) Tj ET Q q 0 0 0 rg BT 198.96 328.10 Td (e ) Tj ET Q q 0 0 0 rg BT 205.83 328.10 Td (are ) Tj ET Q q 0 0 0 rg BT 220.47 328.10 Td (able ) Tj ET Q q 0 0 0 rg BT 239.56 328.10 Td (to ) Tj ET Q q 0 0 0 rg BT 249.77 328.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 287.74 328.10 Td (furniture ) Tj ET Q q 0 0 0 rg BT 325.16 328.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 365.91 328.10 Td (in ) Tj ET Q q 0 0 0 rg BT 376.12 328.10 Td (volumes ) Tj ET Q q 0 0 0 rg BT 412.44 328.10 Td (that ) Tj ET Q q 0 0 0 rg BT 429.87 328.10 Td (allow ) Tj ET Q q 0 0 0 rg BT 454.52 328.10 Td (us ) Tj ET Q q 0 0 0 rg BT 465.84 328.10 Td (to ) Tj ET Q q 0 0 0 rg BT 476.05 328.10 Td (import ) Tj ET Q q 0 0 0 rg BT 505.15 328.10 Td (container ) Tj ET Q q 0 0 0 rg BT 544.78 328.10 Td (load ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (quantities ) Tj ET Q q 0 0 0 rg BT 90.63 316.10 Td (that ) Tj ET Q q 0 0 0 rg BT 107.38 316.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 135.78 316.10 Td (our ) Tj ET Q q 0 0 0 rg BT 150.86 316.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 172.61 316.10 Td (and ) Tj ET Q q 0 0 0 rg BT 188.80 316.10 Td (allow ) Tj ET Q q 0 0 0 rg BT 212.77 316.10 Td (us ) Tj ET Q q 0 0 0 rg BT 223.42 316.10 Td (to ) Tj ET Q q 0 0 0 rg BT 232.95 316.10 Td (of) Tj ET Q q 0 0 0 rg BT 241.09 316.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 253.95 316.10 Td (our ) Tj ET Q q 0 0 0 rg BT 269.03 316.10 Td (products ) Tj ET Q q 0 0 0 rg BT 305.22 316.10 Td (at ) Tj ET Q q 0 0 0 rg BT 314.19 316.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 363.15 316.10 Td (prices. ) Tj ET Q q 0 0 0 rg BT 391.27 316.10 Td ( ) Tj ET Q q 0 0 0 rg BT 392.64 316.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 442.54 316.10 Td (, ) Tj ET Q q 0 0 0 rg BT 446.79 316.10 Td (we ) Tj ET Q q 0 0 0 rg BT 460.21 316.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 492.50 316.10 Td (next-day ) Tj ET Q q 0 0 0 rg BT 529.24 316.10 Td (delivery ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 304.10 Td (a ) Tj ET Q q 0 0 0 rg BT 67.22 304.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 103.60 304.10 Td (of ) Tj ET Q q 0 0 0 rg BT 114.43 304.10 Td (our ) Tj ET Q q 0 0 0 rg BT 130.26 304.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 175.81 304.10 Td (giving ) Tj ET Q q 0 0 0 rg BT 203.86 304.10 Td (us ) Tj ET Q q 0 0 0 rg BT 215.25 304.10 Td (a ) Tj ET Q q 0 0 0 rg BT 222.19 304.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 271.90 304.10 Td (advantage ) Tj ET Q q 0 0 0 rg BT 314.93 304.10 Td (over ) Tj ET Q q 0 0 0 rg BT 335.20 304.10 Td (smaller ) Tj ET Q q 0 0 0 rg BT 367.13 304.10 Td (furniture ) Tj ET Q q 0 0 0 rg BT 404.62 304.10 Td (retailers ) Tj ET Q q 0 0 0 rg BT 439.32 304.10 Td (in ) Tj ET Q q 0 0 0 rg BT 449.60 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 464.32 304.10 Td (marketplace ) Tj ET Q q 0 0 0 rg BT 515.67 304.10 Td (today) Tj ET Q q 0 0 0 rg BT 537.24 304.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (Cr) Tj ET Q q 0 0 0 rg BT 61.48 286.10 Td (edit ) Tj ET Q q 0 0 0 rg BT 80.09 286.10 Td (Operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.87 286.10 Td () Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (General.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 85.83 268.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.33 268.10 Td (W) Tj ET Q q 0 0 0 rg BT 96.97 268.10 Td (e ) Tj ET Q q 0 0 0 rg BT 104.06 268.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 120.60 268.10 Td (our ) Tj ET Q q 0 0 0 rg BT 136.58 268.10 Td (products ) Tj ET Q q 0 0 0 rg BT 173.67 268.10 Td (by ) Tj ET Q q 0 0 0 rg BT 186.32 268.10 Td (of) Tj ET Q q 0 0 0 rg BT 194.47 268.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 221.00 268.10 Td (our ) Tj ET Q q 0 0 0 rg BT 236.98 268.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 280.18 268.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 320.59 268.10 Td (through ) Tj ET Q q 0 0 0 rg BT 354.35 268.10 Td (our ) Tj ET Q q 0 0 0 rg BT 370.33 268.10 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 417.41 268.10 Td (in-house ) Tj ET Q q 0 0 0 rg BT 454.50 268.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 479.91 268.10 Td (programs, ) Tj ET Q q 0 0 0 rg BT 522.83 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 537.70 268.10 Td (use ) Tj ET Q q 0 0 0 rg BT 553.68 268.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 94.86 256.10 Td (financing, ) Tj ET Q q 0 0 0 rg BT 137.22 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 153.75 256.10 Td (by ) Tj ET Q q 0 0 0 rg BT 165.84 256.10 Td (taking ) Tj ET Q q 0 0 0 rg BT 192.93 256.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 212.80 256.10 Td (or ) Tj ET Q q 0 0 0 rg BT 223.22 256.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 248.08 256.10 Td (card ) Tj ET Q q 0 0 0 rg BT 267.38 256.10 Td (payments. ) Tj ET Q q 0 0 0 rg BT 310.30 256.10 Td ( ) Tj ET Q q 0 0 0 rg BT 312.40 256.10 Td (For ) Tj ET Q q 0 0 0 rg BT 328.38 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 342.70 256.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 366.45 256.10 Td (year ) Tj ET Q q 0 0 0 rg BT 385.75 256.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 410.34 256.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.20 256.10 Td (71%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.53 256.10 Td ( ) Tj ET Q q 0 0 0 rg BT 490.62 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 501.04 256.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 542.57 256.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (financed ) Tj ET Q q 0 0 0 rg BT 87.46 244.10 Td (through ) Tj ET Q q 0 0 0 rg BT 121.60 244.10 Td (our ) Tj ET Q q 0 0 0 rg BT 137.97 244.10 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 185.42 244.10 Td (in-house ) Tj ET Q q 0 0 0 rg BT 222.90 244.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 248.70 244.10 Td (programs, ) Tj ET Q q 0 0 0 rg BT 292.00 244.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.79 244.10 Td (22%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.12 244.10 Td ( ) Tj ET Q q 0 0 0 rg BT 374.16 244.10 Td (of ) Tj ET Q q 0 0 0 rg BT 385.52 244.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 427.99 244.10 Td (were ) Tj ET Q q 0 0 0 rg BT 450.45 244.10 Td (financed ) Tj ET Q q 0 0 0 rg BT 487.91 244.10 Td (through ) Tj ET Q q 0 0 0 rg BT 522.05 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 537.30 244.10 Td (use ) Tj ET Q q 0 0 0 rg BT 553.67 244.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 95.26 232.10 Td (financing, ) Tj ET Q q 0 0 0 rg BT 138.03 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 154.97 232.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.22 232.10 Td (7%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.55 232.10 Td ( ) Tj ET Q q 0 0 0 rg BT 231.05 232.10 Td (of ) Tj ET Q q 0 0 0 rg BT 241.88 232.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 283.81 232.10 Td (were ) Tj ET Q q 0 0 0 rg BT 305.74 232.10 Td (made ) Tj ET Q q 0 0 0 rg BT 329.90 232.10 Td (with ) Tj ET Q q 0 0 0 rg BT 350.18 232.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 370.44 232.10 Td (or ) Tj ET Q q 0 0 0 rg BT 381.27 232.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 406.54 232.10 Td (card. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (Underwriting.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.57 214.10 Td (Decisions ) Tj ET Q q 0 0 0 rg BT 152.42 214.10 Td (to ) Tj ET Q q 0 0 0 rg BT 162.61 214.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 191.67 214.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 216.84 214.10 Td (to ) Tj ET Q q 0 0 0 rg BT 227.03 214.10 Td (our ) Tj ET Q q 0 0 0 rg BT 242.77 214.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 265.72 214.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 308.67 214.10 Td (are ) Tj ET Q q 0 0 0 rg BT 323.29 214.10 Td (made ) Tj ET Q q 0 0 0 rg BT 347.35 214.10 Td (by ) Tj ET Q q 0 0 0 rg BT 359.76 214.10 Td (our ) Tj ET Q q 0 0 0 rg BT 375.50 214.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 408.45 214.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 433.62 214.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 487.69 214.10 Td (department, ) Tj ET Q q 0 0 0 rg BT 537.58 214.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (is ) Tj ET Q q 0 0 0 rg BT 59.47 202.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 95.03 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 112.27 202.10 Td (distinct ) Tj ET Q q 0 0 0 rg BT 144.52 202.10 Td (from ) Tj ET Q q 0 0 0 rg BT 166.76 202.10 Td (our ) Tj ET Q q 0 0 0 rg BT 182.89 202.10 Td (other ) Tj ET Q q 0 0 0 rg BT 206.24 202.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 253.20 202.10 Td (including ) Tj ET Q q 0 0 0 rg BT 293.77 202.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 319.34 202.10 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 366.59 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 383.83 202.10 Td (collections ) Tj ET Q q 0 0 0 rg BT 429.95 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 447.19 202.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 470.54 202.10 Td (sales. ) Tj ET Q q 0 0 0 rg BT 495.28 202.10 Td (In ) Tj ET Q q 0 0 0 rg BT 506.41 202.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 541.99 202.10 Td (to ) Tj ET Q q 0 0 0 rg BT 552.57 202.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (auto-decision ) Tj ET Q q 0 0 0 rg BT 107.43 190.10 Td (algorithm, ) Tj ET Q q 0 0 0 rg BT 152.36 190.10 Td (we ) Tj ET Q q 0 0 0 rg BT 167.58 190.10 Td (employ ) Tj ET Q q 0 0 0 rg BT 201.13 190.10 Td (a ) Tj ET Q q 0 0 0 rg BT 209.12 190.10 Td (team ) Tj ET Q q 0 0 0 rg BT 232.11 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 243.99 190.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 270.31 190.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 325.52 190.10 Td (personnel ) Tj ET Q q 0 0 0 rg BT 367.95 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 379.84 190.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 441.15 190.10 Td (60 ) Tj ET Q q 0 0 0 rg BT 454.71 190.10 Td (individuals ) Tj ET Q q 0 0 0 rg BT 502.71 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 514.04 190.10 Td (make ) Tj ET Q q 0 0 0 rg BT 539.25 190.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (granting ) Tj ET Q q 0 0 0 rg BT 86.75 178.10 Td (decisions ) Tj ET Q q 0 0 0 rg BT 127.40 178.10 Td (using ) Tj ET Q q 0 0 0 rg BT 152.49 178.10 Td (our ) Tj ET Q q 0 0 0 rg BT 169.25 178.10 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 217.10 178.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 272.18 178.10 Td (process ) Tj ET Q q 0 0 0 rg BT 305.60 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 323.46 178.10 Td (oversee ) Tj ET Q q 0 0 0 rg BT 357.43 178.10 Td (our ) Tj ET Q q 0 0 0 rg BT 374.18 178.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 400.38 178.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 455.46 178.10 Td (process. ) Tj ET Q q 0 0 0 rg BT 491.37 178.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 510.35 178.10 Td (underwriting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (process ) Tj ET Q q 0 0 0 rg BT 83.25 166.10 Td (considers ) Tj ET Q q 0 0 0 rg BT 124.28 166.10 Td (one ) Tj ET Q q 0 0 0 rg BT 141.98 166.10 Td (or ) Tj ET Q q 0 0 0 rg BT 153.57 166.10 Td (more ) Tj ET Q q 0 0 0 rg BT 177.38 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 188.97 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 204.45 166.10 Td (following ) Tj ET Q q 0 0 0 rg BT 246.59 166.10 Td (elements: ) Tj ET Q q 0 0 0 rg BT 288.17 166.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 314.20 166.10 Td (bureau ) Tj ET Q q 0 0 0 rg BT 344.67 166.10 Td (information; ) Tj ET Q q 0 0 0 rg BT 397.92 166.10 Td (income ) Tj ET Q q 0 0 0 rg BT 430.61 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 448.31 166.10 Td (address ) Tj ET Q q 0 0 0 rg BT 481.56 166.10 Td (verification; ) Tj ET Q q 0 0 0 rg BT 533.69 166.10 Td (current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (income ) Tj ET Q q 0 0 0 rg BT 82.13 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 99.26 154.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 119.17 154.10 Td (levels; ) Tj ET Q q 0 0 0 rg BT 147.97 154.10 Td (a ) Tj ET Q q 0 0 0 rg BT 155.10 154.10 Td (review ) Tj ET Q q 0 0 0 rg BT 185.00 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 196.03 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 210.94 154.10 Td (customer's ) Tj ET Q q 0 0 0 rg BT 255.98 154.10 Td (previous ) Tj ET Q q 0 0 0 rg BT 293.12 154.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 318.57 154.10 Td (history ) Tj ET Q q 0 0 0 rg BT 349.05 154.10 Td (with ) Tj ET Q q 0 0 0 rg BT 369.52 154.10 Td (us; ) Tj ET Q q 0 0 0 rg BT 383.88 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 401.02 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 415.93 154.10 Td (particular ) Tj ET Q q 0 0 0 rg BT 456.93 154.10 Td (products ) Tj ET Q q 0 0 0 rg BT 494.06 154.10 Td (being ) Tj ET Q q 0 0 0 rg BT 518.98 154.10 Td (purchased. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.55 142.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 123.20 142.10 Td (model ) Tj ET Q q 0 0 0 rg BT 151.20 142.10 Td (determines ) Tj ET Q q 0 0 0 rg BT 198.07 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 213.28 142.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 245.70 142.10 Td (terms, ) Tj ET Q q 0 0 0 rg BT 273.42 142.10 Td (including ) Tj ET Q q 0 0 0 rg BT 314.19 142.10 Td (down ) Tj ET Q q 0 0 0 rg BT 339.41 142.10 Td (payment, ) Tj ET Q q 0 0 0 rg BT 379.34 142.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 401.23 142.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 438.12 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 455.55 142.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 481.31 142.10 Td (terms. ) Tj ET Q q 0 0 0 rg BT 509.03 142.10 Td (During ) Tj ET Q q 0 0 0 rg BT 540.36 142.10 Td (fiscal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.64 130.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.64 130.10 Td (, ) Tj ET Q q 0 0 0 rg BT 94.57 130.10 Td (for ) Tj ET Q q 0 0 0 rg BT 108.67 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 123.32 130.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 148.51 130.10 Td (applications ) Tj ET Q q 0 0 0 rg BT 199.27 130.10 Td (that ) Tj ET Q q 0 0 0 rg BT 216.69 130.10 Td (were ) Tj ET Q q 0 0 0 rg BT 238.56 130.10 Td (approved ) Tj ET Q q 0 0 0 rg BT 278.20 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 295.07 130.10 Td (utilized, ) Tj ET Q q 0 0 0 rg BT 329.99 130.10 Td (71.3% ) Tj ET Q q 0 0 0 rg BT 358.25 130.10 Td (were ) Tj ET Q q 0 0 0 rg BT 380.12 130.10 Td (approved ) Tj ET Q q 0 0 0 rg BT 419.76 130.10 Td (automatically) Tj ET Q q 0 0 0 rg BT 473.53 130.10 Td (. ) Tj ET Q q 0 0 0 rg BT 478.29 130.10 Td (The ) Tj ET Q q 0 0 0 rg BT 496.27 130.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 539.24 130.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (decisions ) Tj ET Q q 0 0 0 rg BT 89.82 118.10 Td (were ) Tj ET Q q 0 0 0 rg BT 111.85 118.10 Td (based ) Tj ET Q q 0 0 0 rg BT 137.23 118.10 Td (on ) Tj ET Q q 0 0 0 rg BT 149.83 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 164.65 118.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 208.91 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 219.84 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 234.66 118.10 Td (customer's ) Tj ET Q q 0 0 0 rg BT 279.61 118.10 Td (creditworthiness ) Tj ET Q q 0 0 0 rg BT 348.31 118.10 Td (by ) Tj ET Q q 0 0 0 rg BT 360.91 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 367.96 118.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 406.10 118.10 Td (in-house ) Tj ET Q q 0 0 0 rg BT 443.15 118.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 468.51 118.10 Td (underwriter ) Tj ET Q q 0 0 0 rg BT 517.76 118.10 Td (or ) Tj ET Q q 0 0 0 rg BT 528.70 118.10 Td (required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 91.81 106.10 Td (documentation ) Tj ET Q q 0 0 0 rg BT 153.07 106.10 Td (from ) Tj ET Q q 0 0 0 rg BT 174.33 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.37 106.10 Td (applicant. ) Tj ET Q q 0 0 0 rg BT 229.34 106.10 Td (For ) Tj ET Q q 0 0 0 rg BT 245.06 106.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 274.08 106.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 298.67 106.10 Td (applicants ) Tj ET Q q 0 0 0 rg BT 341.04 106.10 Td (that ) Tj ET Q q 0 0 0 rg BT 357.86 106.10 Td (may ) Tj ET Q q 0 0 0 rg BT 376.90 106.10 Td (have ) Tj ET Q q 0 0 0 rg BT 397.60 106.10 Td (past ) Tj ET Q q 0 0 0 rg BT 415.53 106.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 440.12 106.10 Td (problems ) Tj ET Q q 0 0 0 rg BT 479.16 106.10 Td (or ) Tj ET Q q 0 0 0 rg BT 489.31 106.10 Td (lack ) Tj ET Q q 0 0 0 rg BT 507.79 106.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 532.38 106.10 Td (history) Tj ET Q q 0 0 0 rg BT 559.51 106.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (we ) Tj ET Q q 0 0 0 rg BT 64.75 94.10 Td (use ) Tj ET Q q 0 0 0 rg BT 81.17 94.10 Td (stricter ) Tj ET Q q 0 0 0 rg BT 112.03 94.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 166.78 94.10 Td (criteria. ) Tj ET Q q 0 0 0 rg BT 200.46 94.10 Td (The ) Tj ET Q q 0 0 0 rg BT 219.10 94.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 262.18 94.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 317.47 94.10 Td (include ) Tj ET Q q 0 0 0 rg BT 350.00 94.10 Td (verification ) Tj ET Q q 0 0 0 rg BT 399.18 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 410.60 94.10 Td (employment ) Tj ET Q q 0 0 0 rg BT 463.69 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 481.22 94.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 508.73 94.10 Td (work ) Tj ET Q q 0 0 0 rg BT 532.38 94.10 Td (history) Tj ET Q q 0 0 0 rg BT 559.51 94.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (reference ) Tj ET Q q 0 0 0 rg BT 90.56 82.10 Td (checks ) Tj ET Q q 0 0 0 rg BT 121.15 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 138.97 82.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 181.25 82.10 Td (down ) Tj ET Q q 0 0 0 rg BT 206.85 82.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 244.66 82.10 Td (levels. ) Tj ET Q q 0 0 0 rg BT 273.87 82.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 292.80 82.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 347.84 82.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 393.98 82.10 Td (are ) Tj ET Q q 0 0 0 rg BT 409.57 82.10 Td (trained ) Tj ET Q q 0 0 0 rg BT 440.72 82.10 Td (to ) Tj ET Q q 0 0 0 rg BT 451.88 82.10 Td (follow ) Tj ET Q q 0 0 0 rg BT 481.37 82.10 Td (our ) Tj ET Q q 0 0 0 rg BT 498.08 82.10 Td (methodology ) Tj ET Q q 0 0 0 rg BT 554.23 82.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (approving ) Tj ET Q q 0 0 0 rg BT 93.05 70.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 118.31 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 135.25 70.10 Td (are ) Tj ET Q q 0 0 0 rg BT 149.96 70.10 Td (required ) Tj ET Q q 0 0 0 rg BT 185.77 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 196.05 70.10 Td (complete ) Tj ET Q q 0 0 0 rg BT 235.20 70.10 Td (regular ) Tj ET Q q 0 0 0 rg BT 266.02 70.10 Td (refresher ) Tj ET Q q 0 0 0 rg BT 304.04 70.10 Td (training.) Tj ET Q endstream endobj 19 0 obj <>] /Rotate 0 /Contents 20 0 R>> endobj 20 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Part ) Tj ET Q q 0 0 0 rg BT 68.26 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 78.73 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 94.21 742.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 121.91 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 131.84 742.10 Td (control ) Tj ET Q q 0 0 0 rg BT 162.31 742.10 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 213.33 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 229.91 742.10 Td (net ) Tj ET Q q 0 0 0 rg BT 244.28 742.10 Td (char) Tj ET Q q 0 0 0 rg BT 261.30 742.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 282.22 742.10 Td (f ) Tj ET Q q 0 0 0 rg BT 287.70 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 296.52 742.10 Td (based ) Tj ET Q q 0 0 0 rg BT 321.43 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 333.58 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 347.95 742.10 Td (total ) Tj ET Q q 0 0 0 rg BT 367.87 742.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 405.00 742.10 Td (amount, ) Tj ET Q q 0 0 0 rg BT 439.64 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 454.01 742.10 Td (level ) Tj ET Q q 0 0 0 rg BT 475.59 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 486.06 742.10 Td (down ) Tj ET Q q 0 0 0 rg BT 510.43 742.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 547.01 742.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (we ) Tj ET Q q 0 0 0 rg BT 63.60 730.10 Td (require, ) Tj ET Q q 0 0 0 rg BT 96.36 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 110.52 730.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 153.01 730.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 187.16 730.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 211.32 730.10 Td (we ) Tj ET Q q 0 0 0 rg BT 224.92 730.10 Td (allow ) Tj ET Q q 0 0 0 rg BT 249.08 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 265.46 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.62 730.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 317.10 730.10 Td (money ) Tj ET Q q 0 0 0 rg BT 346.26 730.10 Td (security ) Tj ET Q q 0 0 0 rg BT 379.86 730.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 411.23 730.10 Td (that ) Tj ET Q q 0 0 0 rg BT 428.17 730.10 Td (we ) Tj ET Q q 0 0 0 rg BT 441.77 730.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 468.71 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 478.43 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 492.59 730.10 Td (product ) Tj ET Q q 0 0 0 rg BT 525.08 730.10 Td (financed, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (which ) Tj ET Q q 0 0 0 rg BT 77.16 718.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 106.52 718.10 Td (our ) Tj ET Q q 0 0 0 rg BT 122.57 718.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 148.05 718.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 165.77 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 182.93 718.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 218.40 718.10 Td (our ) Tj ET Q q 0 0 0 rg BT 234.45 718.10 Td (customers' ) Tj ET Q q 0 0 0 rg BT 279.52 718.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 307.79 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 324.95 718.10 Td (willingness ) Tj ET Q q 0 0 0 rg BT 373.22 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 383.72 718.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 405.87 718.10 Td (their ) Tj ET Q q 0 0 0 rg BT 426.91 718.10 Td (future ) Tj ET Q q 0 0 0 rg BT 453.51 718.10 Td (obligations. ) Tj ET Q q 0 0 0 rg BT 502.98 718.10 Td (W) Tj ET Q q 0 0 0 rg BT 511.61 718.10 Td (e ) Tj ET Q q 0 0 0 rg BT 518.77 718.10 Td (require ) Tj ET Q q 0 0 0 rg BT 549.80 718.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 88.68 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 98.48 706.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 131.05 706.10 Td (proof ) Tj ET Q q 0 0 0 rg BT 154.74 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 165.09 706.10 Td (property ) Tj ET Q q 0 0 0 rg BT 200.99 706.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 241.33 706.10 Td (coverage ) Tj ET Q q 0 0 0 rg BT 279.44 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 291.46 706.10 Td (all ) Tj ET Q q 0 0 0 rg BT 303.48 706.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 344.93 706.10 Td (financed ) Tj ET Q q 0 0 0 rg BT 381.38 706.10 Td (through ) Tj ET Q q 0 0 0 rg BT 414.51 706.10 Td (our ) Tj ET Q q 0 0 0 rg BT 429.87 706.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 454.66 706.10 Td (of) Tj ET Q q 0 0 0 rg BT 462.81 706.10 Td (ferings ) Tj ET Q q 0 0 0 rg BT 492.60 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 502.40 706.10 Td (of) Tj ET Q q 0 0 0 rg BT 510.55 706.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 527.01 706.10 Td (potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 76.25 694.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 109.15 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 119.29 694.10 Td (theft ) Tj ET Q q 0 0 0 rg BT 139.97 694.10 Td (or ) Tj ET Q q 0 0 0 rg BT 150.66 694.10 Td (damage ) Tj ET Q q 0 0 0 rg BT 184.11 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 194.80 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 209.38 694.10 Td (product ) Tj ET Q q 0 0 0 rg BT 242.28 694.10 Td (financed. ) Tj ET Q q 0 0 0 rg BT 281.39 694.10 Td (W) Tj ET Q q 0 0 0 rg BT 290.03 694.10 Td (e ) Tj ET Q q 0 0 0 rg BT 296.83 694.10 Td (do ) Tj ET Q q 0 0 0 rg BT 309.19 694.10 Td (not ) Tj ET Q q 0 0 0 rg BT 324.32 694.10 Td (require ) Tj ET Q q 0 0 0 rg BT 355.00 694.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 397.90 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 408.04 694.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 445.93 694.10 Td (property ) Tj ET Q q 0 0 0 rg BT 482.17 694.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 522.84 694.10 Td (from ) Tj ET Q q 0 0 0 rg BT 544.64 694.10 Td (us ) Tj ET Q q 0 0 0 rg BT 555.89 694.10 Td (if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (they ) Tj ET Q q 0 0 0 rg BT 69.72 682.10 Td (have ) Tj ET Q q 0 0 0 rg BT 91.09 682.10 Td (or ) Tj ET Q q 0 0 0 rg BT 101.92 682.10 Td (acquire ) Tj ET Q q 0 0 0 rg BT 133.85 682.10 Td (such ) Tj ET Q q 0 0 0 rg BT 154.68 682.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 195.49 682.10 Td (from ) Tj ET Q q 0 0 0 rg BT 217.43 682.10 Td (another ) Tj ET Q q 0 0 0 rg BT 249.92 682.10 Td (third-party) Tj ET Q q 0 0 0 rg BT 292.03 682.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 79.00 664.10 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 128.57 664.10 Td (and ) Tj ET Q q 0 0 0 rg BT 147.57 664.10 Td (collections.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.45 664.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 215.45 664.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 258.32 664.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 297.86 664.10 Td (involve ) Tj ET Q q 0 0 0 rg BT 331.29 664.10 Td (a ) Tj ET Q q 0 0 0 rg BT 339.17 664.10 Td (combination ) Tj ET Q q 0 0 0 rg BT 392.60 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 404.38 664.10 Td (ef) Tj ET Q q 0 0 0 rg BT 411.96 664.10 Td (forts ) Tj ET Q q 0 0 0 rg BT 433.73 664.10 Td (that ) Tj ET Q q 0 0 0 rg BT 452.17 664.10 Td (take ) Tj ET Q q 0 0 0 rg BT 472.27 664.10 Td (place ) Tj ET Q q 0 0 0 rg BT 496.80 664.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 537.46 664.10 Td (in ) Tj ET Q q 0 0 0 rg BT 548.68 664.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (Beaumont ) Tj ET Q q 0 0 0 rg BT 93.23 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 109.79 652.10 Td (San ) Tj ET Q q 0 0 0 rg BT 126.44 652.10 Td (Antonio, ) Tj ET Q q 0 0 0 rg BT 163.69 652.10 Td (T) Tj ET Q q 0 0 0 rg BT 169.10 652.10 Td (exas, ) Tj ET Q q 0 0 0 rg BT 191.49 652.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 233.04 652.10 Td (centers. ) Tj ET Q q 0 0 0 rg BT 265.50 652.10 Td (As ) Tj ET Q q 0 0 0 rg BT 278.74 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 289.19 652.10 Td (January ) Tj ET Q q 0 0 0 rg BT 322.41 652.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 337.03 652.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 361.65 652.10 Td (we ) Tj ET Q q 0 0 0 rg BT 375.44 652.10 Td (employed ) Tj ET Q q 0 0 0 rg BT 416.99 652.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 476.87 652.10 Td (480 ) Tj ET Q q 0 0 0 rg BT 493.99 652.10 Td (full ) Tj ET Q q 0 0 0 rg BT 510.00 652.10 Td (time ) Tj ET Q q 0 0 0 rg BT 529.90 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 546.46 652.10 Td (part ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (time ) Tj ET Q q 0 0 0 rg BT 69.18 640.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 111.14 640.10 Td (collectors ) Tj ET Q q 0 0 0 rg BT 151.42 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 167.26 640.10 Td (support ) Tj ET Q q 0 0 0 rg BT 198.67 640.10 Td (personnel ) Tj ET Q q 0 0 0 rg BT 238.95 640.10 Td (who ) Tj ET Q q 0 0 0 rg BT 257.58 640.10 Td (service ) Tj ET Q q 0 0 0 rg BT 287.30 640.10 Td (our ) Tj ET Q q 0 0 0 rg BT 302.04 640.10 Td (active ) Tj ET Q q 0 0 0 rg BT 327.31 640.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 365.38 640.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 389.55 640.10 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 428.35 640.10 Td (W) Tj ET Q q 0 0 0 rg BT 436.98 640.10 Td (e ) Tj ET Q q 0 0 0 rg BT 442.83 640.10 Td (also ) Tj ET Q q 0 0 0 rg BT 460.34 640.10 Td (utilize ) Tj ET Q q 0 0 0 rg BT 486.74 640.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 527.57 640.10 Td (agencies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.97 628.10 Td (service ) Tj ET Q q 0 0 0 rg BT 92.48 628.10 Td (portions ) Tj ET Q q 0 0 0 rg BT 128.46 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 139.98 628.10 Td (our ) Tj ET Q q 0 0 0 rg BT 156.51 628.10 Td (active ) Tj ET Q q 0 0 0 rg BT 183.57 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 201.21 628.10 Td (char) Tj ET Q q 0 0 0 rg BT 218.23 628.10 Td (ged-of) Tj ET Q q 0 0 0 rg BT 244.15 628.10 Td (f ) Tj ET Q q 0 0 0 rg BT 250.68 628.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 291.37 628.10 Td (which ) Tj ET Q q 0 0 0 rg BT 319.00 628.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 352.74 628.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 413.69 628.10 Td (270 ) Tj ET Q q 0 0 0 rg BT 431.89 628.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 475.07 628.10 Td (agents. ) Tj ET Q q 0 0 0 rg BT 506.32 628.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 525.06 628.10 Td (in-house, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (credit-financed ) Tj ET Q q 0 0 0 rg BT 113.13 616.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 135.17 616.10 Td (are ) Tj ET Q q 0 0 0 rg BT 149.99 616.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 183.13 616.10 Td (by ) Tj ET Q q 0 0 0 rg BT 195.74 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 210.56 616.10 Td (products ) Tj ET Q q 0 0 0 rg BT 247.61 616.10 Td (purchased, ) Tj ET Q q 0 0 0 rg BT 293.25 616.10 Td (which ) Tj ET Q q 0 0 0 rg BT 320.30 616.10 Td (we ) Tj ET Q q 0 0 0 rg BT 334.57 616.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 366.04 616.10 Td (gives ) Tj ET Q q 0 0 0 rg BT 389.76 616.10 Td (us ) Tj ET Q q 0 0 0 rg BT 401.26 616.10 Td (a ) Tj ET Q q 0 0 0 rg BT 408.31 616.10 Td (distinct ) Tj ET Q q 0 0 0 rg BT 440.36 616.10 Td (advantage ) Tj ET Q q 0 0 0 rg BT 483.50 616.10 Td (over ) Tj ET Q q 0 0 0 rg BT 503.87 616.10 Td (other ) Tj ET Q q 0 0 0 rg BT 527.03 616.10 Td (creditors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (when ) Tj ET Q q 0 0 0 rg BT 73.52 604.10 Td (pursuing ) Tj ET Q q 0 0 0 rg BT 110.38 604.10 Td (collections, ) Tj ET Q q 0 0 0 rg BT 158.06 604.10 Td (especially ) Tj ET Q q 0 0 0 rg BT 199.90 604.10 Td (given ) Tj ET Q q 0 0 0 rg BT 223.98 604.10 Td (that ) Tj ET Q q 0 0 0 rg BT 240.83 604.10 Td (many ) Tj ET Q q 0 0 0 rg BT 264.91 604.10 Td (of ) Tj ET Q q 0 0 0 rg BT 275.10 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 289.18 604.10 Td (products ) Tj ET Q q 0 0 0 rg BT 325.48 604.10 Td (we ) Tj ET Q q 0 0 0 rg BT 339.00 604.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 370.28 604.10 Td (are ) Tj ET Q q 0 0 0 rg BT 384.35 604.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 423.41 604.10 Td (necessities ) Tj ET Q q 0 0 0 rg BT 468.04 604.10 Td (for ) Tj ET Q q 0 0 0 rg BT 481.56 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 495.63 604.10 Td (home. ) Tj ET Q q 0 0 0 rg BT 522.08 604.10 Td (W) Tj ET Q q 0 0 0 rg BT 530.72 604.10 Td (e ) Tj ET Q q 0 0 0 rg BT 537.01 604.10 Td (utilize ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (a ) Tj ET Q q 0 0 0 rg BT 58.30 592.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 84.92 592.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 128.21 592.10 Td (strategy ) Tj ET Q q 0 0 0 rg BT 163.73 592.10 Td (that ) Tj ET Q q 0 0 0 rg BT 182.59 592.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 219.77 592.10 Td (dialer) Tj ET Q q 0 0 0 rg BT 242.33 592.10 Td (-based ) Tj ET Q q 0 0 0 rg BT 272.29 592.10 Td (calls ) Tj ET Q q 0 0 0 rg BT 294.48 592.10 Td (and ) Tj ET Q q 0 0 0 rg BT 312.78 592.10 Td (messaging ) Tj ET Q q 0 0 0 rg BT 358.86 592.10 Td (systems, ) Tj ET Q q 0 0 0 rg BT 396.89 592.10 Td (inside ) Tj ET Q q 0 0 0 rg BT 424.64 592.10 Td (collectors ) Tj ET Q q 0 0 0 rg BT 467.37 592.10 Td (that ) Tj ET Q q 0 0 0 rg BT 486.22 592.10 Td (contact ) Tj ET Q q 0 0 0 rg BT 518.96 592.10 Td (borrowers, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 92.17 580.10 Td (letters, ) Tj ET Q q 0 0 0 rg BT 121.84 580.10 Td (e-mails, ) Tj ET Q q 0 0 0 rg BT 156.52 580.10 Td (and ) Tj ET Q q 0 0 0 rg BT 173.70 580.10 Td (text ) Tj ET Q q 0 0 0 rg BT 191.43 580.10 Td (messages, ) Tj ET Q q 0 0 0 rg BT 234.44 580.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 279.95 580.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 302.12 580.10 Td (services ) Tj ET Q q 0 0 0 rg BT 337.07 580.10 Td (that ) Tj ET Q q 0 0 0 rg BT 354.80 580.10 Td (process ) Tj ET Q q 0 0 0 rg BT 387.54 580.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 416.38 580.10 Td (and ) Tj ET Q q 0 0 0 rg BT 433.56 580.10 Td (attend ) Tj ET Q q 0 0 0 rg BT 460.73 580.10 Td (bankruptcy ) Tj ET Q q 0 0 0 rg BT 508.46 580.10 Td (hearings, ) Tj ET Q q 0 0 0 rg BT 547.58 580.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (voluntary ) Tj ET Q q 0 0 0 rg BT 91.20 568.10 Td (repossession. ) Tj ET Q q 0 0 0 rg BT 147.12 568.10 Td ( ) Tj ET Q q 0 0 0 rg BT 149.99 568.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 168.41 568.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 214.04 568.10 Td (are ) Tj ET Q q 0 0 0 rg BT 229.12 568.10 Td (trained ) Tj ET Q q 0 0 0 rg BT 259.75 568.10 Td (to ) Tj ET Q q 0 0 0 rg BT 270.40 568.10 Td (follow ) Tj ET Q q 0 0 0 rg BT 299.38 568.10 Td (our ) Tj ET Q q 0 0 0 rg BT 315.58 568.10 Td (methodology ) Tj ET Q q 0 0 0 rg BT 371.22 568.10 Td (in ) Tj ET Q q 0 0 0 rg BT 381.87 568.10 Td (collecting ) Tj ET Q q 0 0 0 rg BT 424.17 568.10 Td (our ) Tj ET Q q 0 0 0 rg BT 440.37 568.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 478.23 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 495.54 568.10 Td (char) Tj ET Q q 0 0 0 rg BT 512.56 568.10 Td (ging ) Tj ET Q q 0 0 0 rg BT 533.21 568.10 Td (of) Tj ET Q q 0 0 0 rg BT 541.36 568.10 Td (f ) Tj ET Q q 0 0 0 rg BT 547.56 568.10 Td (any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 104.09 556.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 141.53 556.10 Td (based ) Tj ET Q q 0 0 0 rg BT 166.74 556.10 Td (on ) Tj ET Q q 0 0 0 rg BT 179.19 556.10 Td (pre-determined ) Tj ET Q q 0 0 0 rg BT 242.72 556.10 Td (aging ) Tj ET Q q 0 0 0 rg BT 267.38 556.10 Td (criteria, ) Tj ET Q q 0 0 0 rg BT 300.64 556.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 344.74 556.10 Td (on ) Tj ET Q q 0 0 0 rg BT 357.19 556.10 Td (their ) Tj ET Q q 0 0 0 rg BT 377.96 556.10 Td (area ) Tj ET Q q 0 0 0 rg BT 397.06 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 407.83 556.10 Td (responsibility) Tj ET Q q 0 0 0 rg BT 461.63 556.10 Td (. ) Tj ET Q q 0 0 0 rg BT 466.04 556.10 Td (All ) Tj ET Q q 0 0 0 rg BT 481.26 556.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 523.14 556.10 Td (personnel ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.62 544.10 Td (required ) Tj ET Q q 0 0 0 rg BT 100.34 544.10 Td (to ) Tj ET Q q 0 0 0 rg BT 110.53 544.10 Td (complete ) Tj ET Q q 0 0 0 rg BT 149.59 544.10 Td (classroom ) Tj ET Q q 0 0 0 rg BT 192.55 544.10 Td (training, ) Tj ET Q q 0 0 0 rg BT 228.56 544.10 Td (which ) Tj ET Q q 0 0 0 rg BT 255.41 544.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 291.14 544.10 Td (negotiation ) Tj ET Q q 0 0 0 rg BT 338.54 544.10 Td (techniques ) Tj ET Q q 0 0 0 rg BT 383.72 544.10 Td (and ) Tj ET Q q 0 0 0 rg BT 400.56 544.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 425.74 544.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 453.14 544.10 Td (training ) Tj ET Q q 0 0 0 rg BT 486.66 544.10 Td (to ) Tj ET Q q 0 0 0 rg BT 496.84 544.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 525.35 544.10 Td (customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (retention ) Tj ET Q q 0 0 0 rg BT 86.84 532.10 Td (and ) Tj ET Q q 0 0 0 rg BT 102.57 532.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 149.96 532.10 Td (with ) Tj ET Q q 0 0 0 rg BT 169.03 532.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 187.55 532.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 228.27 532.10 Td (regulations. ) Tj ET Q q 0 0 0 rg BT 276.50 532.10 Td (Post-graduation, ) Tj ET Q q 0 0 0 rg BT 343.62 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 357.14 532.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 397.86 532.10 Td (trainees ) Tj ET Q q 0 0 0 rg BT 430.25 532.10 Td (under) Tj ET Q q 0 0 0 rg BT 452.84 532.10 Td (go ) Tj ET Q q 0 0 0 rg BT 464.14 532.10 Td (skill ) Tj ET Q q 0 0 0 rg BT 482.66 532.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 528.39 532.10 Td (training, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (coaching ) Tj ET Q q 0 0 0 rg BT 87.81 520.10 Td (and ) Tj ET Q q 0 0 0 rg BT 103.97 520.10 Td (call ) Tj ET Q q 0 0 0 rg BT 120.12 520.10 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 166.28 520.10 Td (within ) Tj ET Q q 0 0 0 rg BT 193.55 520.10 Td (their ) Tj ET Q q 0 0 0 rg BT 213.60 520.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 255.85 520.10 Td (departments. ) Tj ET Q q 0 0 0 rg BT 308.94 520.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 326.21 520.10 Td (personnel ) Tj ET Q q 0 0 0 rg BT 366.80 520.10 Td (are ) Tj ET Q q 0 0 0 rg BT 380.73 520.10 Td (required ) Tj ET Q q 0 0 0 rg BT 415.76 520.10 Td (to ) Tj ET Q q 0 0 0 rg BT 425.26 520.10 Td (complete ) Tj ET Q q 0 0 0 rg BT 463.62 520.10 Td (regular ) Tj ET Q q 0 0 0 rg BT 493.66 520.10 Td (refresher ) Tj ET Q q 0 0 0 rg BT 530.90 520.10 Td (training ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 508.10 Td (testing. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 490.10 Td (e ) Tj ET Q q 0 0 0 rg BT 66.67 490.10 Td (closely ) Tj ET Q q 0 0 0 rg BT 98.58 490.10 Td (monitor ) Tj ET Q q 0 0 0 rg BT 133.83 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 149.64 490.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 175.99 490.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 214.58 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 225.94 490.10 Td (identify ) Tj ET Q q 0 0 0 rg BT 260.63 490.10 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 306.44 490.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 345.01 490.10 Td (early ) Tj ET Q q 0 0 0 rg BT 368.58 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 386.61 490.10 Td (dedicate ) Tj ET Q q 0 0 0 rg BT 423.51 490.10 Td (resources ) Tj ET Q q 0 0 0 rg BT 464.86 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 476.23 490.10 Td (contacting ) Tj ET Q q 0 0 0 rg BT 521.46 490.10 Td (customers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (concerning ) Tj ET Q q 0 0 0 rg BT 96.68 478.10 Td (past ) Tj ET Q q 0 0 0 rg BT 115.05 478.10 Td (due ) Tj ET Q q 0 0 0 rg BT 131.75 478.10 Td (accounts. ) Tj ET Q q 0 0 0 rg BT 171.34 478.10 Td (W) Tj ET Q q 0 0 0 rg BT 179.97 478.10 Td (e ) Tj ET Q q 0 0 0 rg BT 186.67 478.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 217.81 478.10 Td (that ) Tj ET Q q 0 0 0 rg BT 235.06 478.10 Td (our ) Tj ET Q q 0 0 0 rg BT 250.65 478.10 Td (unique ) Tj ET Q q 0 0 0 rg BT 280.13 478.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 334.05 478.10 Td (model, ) Tj ET Q q 0 0 0 rg BT 363.80 478.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 396.60 478.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 428.29 478.10 Td (in ) Tj ET Q q 0 0 0 rg BT 438.33 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 452.81 478.10 Td (products ) Tj ET Q q 0 0 0 rg BT 489.51 478.10 Td (financed, ) Tj ET Q q 0 0 0 rg BT 528.69 478.10 Td (required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (down ) Tj ET Q q 0 0 0 rg BT 74.89 466.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 115.89 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 133.00 466.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 158.44 466.10 Td (limits, ) Tj ET Q q 0 0 0 rg BT 186.39 466.10 Td (local ) Tj ET Q q 0 0 0 rg BT 208.50 466.10 Td (presence, ) Tj ET Q q 0 0 0 rg BT 248.65 466.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 276.87 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 287.32 466.10 Td (work ) Tj ET Q q 0 0 0 rg BT 310.55 466.10 Td (with ) Tj ET Q q 0 0 0 rg BT 331.00 466.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 374.22 466.10 Td (relative ) Tj ET Q q 0 0 0 rg BT 406.87 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 417.32 466.10 Td (their ) Tj ET Q q 0 0 0 rg BT 438.32 466.10 Td (product ) Tj ET Q q 0 0 0 rg BT 471.54 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 488.65 466.10 Td (service ) Tj ET Q q 0 0 0 rg BT 519.64 466.10 Td (needs, ) Tj ET Q q 0 0 0 rg BT 547.58 466.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.83 454.10 Td (flexible ) Tj ET Q q 0 0 0 rg BT 98.87 454.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 139.14 454.10 Td (alternatives ) Tj ET Q q 0 0 0 rg BT 187.72 454.10 Td (help ) Tj ET Q q 0 0 0 rg BT 207.44 454.10 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 242.71 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 257.43 454.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 275.49 454.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 321.29 454.10 Td (on ) Tj ET Q q 0 0 0 rg BT 333.79 454.10 Td (our ) Tj ET Q q 0 0 0 rg BT 349.62 454.10 Td (portfolio. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (Customers ) Tj ET Q q 0 0 0 rg BT 94.91 436.10 Td (can ) Tj ET Q q 0 0 0 rg BT 110.92 436.10 Td (make ) Tj ET Q q 0 0 0 rg BT 134.70 436.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 175.16 436.10 Td (through ) Tj ET Q q 0 0 0 rg BT 208.40 436.10 Td (our ) Tj ET Q q 0 0 0 rg BT 223.86 436.10 Td (web ) Tj ET Q q 0 0 0 rg BT 242.65 436.10 Td (portal, ) Tj ET Q q 0 0 0 rg BT 270.60 436.10 Td (over ) Tj ET Q q 0 0 0 rg BT 290.50 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.85 436.10 Td (phone, ) Tj ET Q q 0 0 0 rg BT 333.92 436.10 Td (by ) Tj ET Q q 0 0 0 rg BT 345.58 436.10 Td (ACH, ) Tj ET Q q 0 0 0 rg BT 371.32 436.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 416.22 436.10 Td (bill ) Tj ET Q q 0 0 0 rg BT 431.68 436.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 448.25 436.10 Td (arrangements, ) Tj ET Q q 0 0 0 rg BT 506.74 436.10 Td (by ) Tj ET Q q 0 0 0 rg BT 518.87 436.10 Td (mail ) Tj ET Q q 0 0 0 rg BT 538.78 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 548.69 436.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (lock ) Tj ET Q q 0 0 0 rg BT 69.94 424.10 Td (box, ) Tj ET Q q 0 0 0 rg BT 90.16 424.10 Td (or ) Tj ET Q q 0 0 0 rg BT 101.21 424.10 Td (in-person ) Tj ET Q q 0 0 0 rg BT 141.70 424.10 Td (at ) Tj ET Q q 0 0 0 rg BT 151.64 424.10 Td (our ) Tj ET Q q 0 0 0 rg BT 167.70 424.10 Td (store ) Tj ET Q q 0 0 0 rg BT 189.86 424.10 Td (locations. ) Tj ET Q q 0 0 0 rg BT 231.18 424.10 Td (During ) Tj ET Q q 0 0 0 rg BT 262.23 424.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 286.61 424.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.54 424.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.54 424.10 Td (, ) Tj ET Q q 0 0 0 rg BT 331.76 424.10 Td (we ) Tj ET Q q 0 0 0 rg BT 346.15 424.10 Td (received ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.73 424.10 Td (31.1%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.56 424.10 Td ( ) Tj ET Q q 0 0 0 rg BT 411.28 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 422.33 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 437.27 424.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 478.32 424.10 Td (on ) Tj ET Q q 0 0 0 rg BT 491.04 424.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 516.53 424.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 554.24 424.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (our ) Tj ET Q q 0 0 0 rg BT 66.24 412.10 Td (store ) Tj ET Q q 0 0 0 rg BT 88.59 412.10 Td (locations, ) Tj ET Q q 0 0 0 rg BT 130.11 412.10 Td (which ) Tj ET Q q 0 0 0 rg BT 157.46 412.10 Td (helps ) Tj ET Q q 0 0 0 rg BT 181.48 412.10 Td (us ) Tj ET Q q 0 0 0 rg BT 193.28 412.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 231.18 412.10 Td (a ) Tj ET Q q 0 0 0 rg BT 238.53 412.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 288.66 412.10 Td (with ) Tj ET Q q 0 0 0 rg BT 309.35 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 324.47 412.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 364.04 412.10 Td (that ) Tj ET Q q 0 0 0 rg BT 381.95 412.10 Td (keeps ) Tj ET Q q 0 0 0 rg BT 407.63 412.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 434.43 412.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 460.11 412.10 Td (while ) Tj ET Q q 0 0 0 rg BT 485.24 412.10 Td (encouraging ) Tj ET Q q 0 0 0 rg BT 537.58 412.10 Td (repeat ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (purchases. ) Tj ET Q q 0 0 0 rg BT 95.25 400.10 Td ( ) Tj ET Q q 0 0 0 rg BT 98.33 400.10 Td (W) Tj ET Q q 0 0 0 rg BT 106.97 400.10 Td (e ) Tj ET Q q 0 0 0 rg BT 114.73 400.10 Td (regularly ) Tj ET Q q 0 0 0 rg BT 154.15 400.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 184.13 400.10 Td (or ) Tj ET Q q 0 0 0 rg BT 195.78 400.10 Td ("re-age" ) Tj ET Q q 0 0 0 rg BT 232.24 400.10 Td (a ) Tj ET Q q 0 0 0 rg BT 240.00 400.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 272.21 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 283.87 400.10 Td (our ) Tj ET Q q 0 0 0 rg BT 300.52 400.10 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 346.05 400.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 386.03 400.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 424.34 400.10 Td (as ) Tj ET Q q 0 0 0 rg BT 435.99 400.10 Td (a ) Tj ET Q q 0 0 0 rg BT 443.75 400.10 Td (part ) Tj ET Q q 0 0 0 rg BT 462.62 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 474.28 400.10 Td (our ) Tj ET Q q 0 0 0 rg BT 490.93 400.10 Td (normal ) Tj ET Q q 0 0 0 rg BT 522.58 400.10 Td (collection ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 96.24 388.10 Td (to ) Tj ET Q q 0 0 0 rg BT 106.40 388.10 Td (protect ) Tj ET Q q 0 0 0 rg BT 136.54 388.10 Td (our ) Tj ET Q q 0 0 0 rg BT 152.25 388.10 Td (investment. ) Tj ET Q q 0 0 0 rg BT 201.01 388.10 Td (Generally) Tj ET Q q 0 0 0 rg BT 239.78 388.10 Td (, ) Tj ET Q q 0 0 0 rg BT 244.66 388.10 Td (extensions ) Tj ET Q q 0 0 0 rg BT 289.25 388.10 Td (are ) Tj ET Q q 0 0 0 rg BT 303.83 388.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 336.20 388.10 Td (to ) Tj ET Q q 0 0 0 rg BT 346.35 388.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 389.28 388.10 Td (who ) Tj ET Q q 0 0 0 rg BT 408.88 388.10 Td (have ) Tj ET Q q 0 0 0 rg BT 430.13 388.10 Td (experienced ) Tj ET Q q 0 0 0 rg BT 480.81 388.10 Td (a ) Tj ET Q q 0 0 0 rg BT 487.62 388.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 524.98 388.10 Td (dif) Tj ET Q q 0 0 0 rg BT 535.91 388.10 Td (ficulty ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (\(such ) Tj ET Q q 0 0 0 rg BT 74.26 376.10 Td (as ) Tj ET Q q 0 0 0 rg BT 85.20 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 100.01 376.10 Td (temporary ) Tj ET Q q 0 0 0 rg BT 143.71 376.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 161.88 376.10 Td (of ) Tj ET Q q 0 0 0 rg BT 172.81 376.10 Td (employment\), ) Tj ET Q q 0 0 0 rg BT 231.23 376.10 Td (which ) Tj ET Q q 0 0 0 rg BT 258.27 376.10 Td (is ) Tj ET Q q 0 0 0 rg BT 267.54 376.10 Td (subsequently ) Tj ET Q q 0 0 0 rg BT 322.36 376.10 Td (resolved ) Tj ET Q q 0 0 0 rg BT 358.84 376.10 Td (and ) Tj ET Q q 0 0 0 rg BT 375.88 376.10 Td (when ) Tj ET Q q 0 0 0 rg BT 400.15 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 414.97 376.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 454.22 376.10 Td (indicates ) Tj ET Q q 0 0 0 rg BT 492.37 376.10 Td (a ) Tj ET Q q 0 0 0 rg BT 499.41 376.10 Td (willingness ) Tj ET Q q 0 0 0 rg BT 547.57 376.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 78.32 364.10 Td (to ) Tj ET Q q 0 0 0 rg BT 88.87 364.10 Td (resume ) Tj ET Q q 0 0 0 rg BT 120.52 364.10 Td (making ) Tj ET Q q 0 0 0 rg BT 153.28 364.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 189.39 364.10 Td (payments. ) Tj ET Q q 0 0 0 rg BT 232.78 364.10 Td (These ) Tj ET Q q 0 0 0 rg BT 259.43 364.10 Td (re-ages ) Tj ET Q q 0 0 0 rg BT 291.07 364.10 Td (involve ) Tj ET Q q 0 0 0 rg BT 323.83 364.10 Td (modifying ) Tj ET Q q 0 0 0 rg BT 368.27 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 383.25 364.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 420.46 364.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 445.44 364.10 Td (to ) Tj ET Q q 0 0 0 rg BT 455.99 364.10 Td (defer ) Tj ET Q q 0 0 0 rg BT 479.30 364.10 Td (a ) Tj ET Q q 0 0 0 rg BT 486.51 364.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 518.16 364.10 Td (of ) Tj ET Q q 0 0 0 rg BT 529.26 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 544.25 364.10 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 90.81 352.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 129.39 352.10 Td (required ) Tj ET Q q 0 0 0 rg BT 165.19 352.10 Td (of ) Tj ET Q q 0 0 0 rg BT 176.00 352.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.70 352.10 Td (debtor ) Tj ET Q q 0 0 0 rg BT 218.73 352.10 Td (to ) Tj ET Q q 0 0 0 rg BT 229.00 352.10 Td (help ) Tj ET Q q 0 0 0 rg BT 248.70 352.10 Td (the ) Tj ET Q q 0 0 0 rg BT 263.40 352.10 Td (debtor ) Tj ET Q q 0 0 0 rg BT 291.43 352.10 Td (improve ) Tj ET Q q 0 0 0 rg BT 327.24 352.10 Td (his ) Tj ET Q q 0 0 0 rg BT 341.39 352.10 Td (or ) Tj ET Q q 0 0 0 rg BT 352.21 352.10 Td (her ) Tj ET Q q 0 0 0 rg BT 367.46 352.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 404.93 352.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 445.18 352.10 Td (and ) Tj ET Q q 0 0 0 rg BT 462.11 352.10 Td (eventually ) Tj ET Q q 0 0 0 rg BT 506.24 352.10 Td (be ) Tj ET Q q 0 0 0 rg BT 518.17 352.10 Td (able ) Tj ET Q q 0 0 0 rg BT 537.30 352.10 Td (to ) Tj ET Q q 0 0 0 rg BT 547.57 352.10 Td (pay ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.87 340.10 Td (account ) Tj ET Q q 0 0 0 rg BT 98.61 340.10 Td (balance. ) Tj ET Q q 0 0 0 rg BT 134.30 340.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 152.50 340.10 Td (re-aging ) Tj ET Q q 0 0 0 rg BT 188.47 340.10 Td (of ) Tj ET Q q 0 0 0 rg BT 199.45 340.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 238.75 340.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 276.39 340.10 Td (does ) Tj ET Q q 0 0 0 rg BT 297.37 340.10 Td (not ) Tj ET Q q 0 0 0 rg BT 312.80 340.10 Td (change ) Tj ET Q q 0 0 0 rg BT 343.77 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 358.64 340.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 390.72 340.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 408.36 340.10 Td (or ) Tj ET Q q 0 0 0 rg BT 419.34 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 434.21 340.10 Td (total ) Tj ET Q q 0 0 0 rg BT 454.63 340.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 492.83 340.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 525.47 340.10 Td (due ) Tj ET Q q 0 0 0 rg BT 542.56 340.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.38 328.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 103.20 328.10 Td (and ) Tj ET Q q 0 0 0 rg BT 119.80 328.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 156.95 328.10 Td (does ) Tj ET Q q 0 0 0 rg BT 177.45 328.10 Td (not ) Tj ET Q q 0 0 0 rg BT 192.39 328.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 221.20 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 235.58 328.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 271.07 328.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 317.66 328.10 Td (payments. ) Tj ET Q q 0 0 0 rg BT 360.49 328.10 Td (W) Tj ET Q q 0 0 0 rg BT 369.13 328.10 Td (e ) Tj ET Q q 0 0 0 rg BT 375.73 328.10 Td (may ) Tj ET Q q 0 0 0 rg BT 395.11 328.10 Td (also ) Tj ET Q q 0 0 0 rg BT 413.38 328.10 Td (char) Tj ET Q q 0 0 0 rg BT 430.41 328.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 442.01 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 456.39 328.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 495.21 328.10 Td (an ) Tj ET Q q 0 0 0 rg BT 506.81 328.10 Td (extension ) Tj ET Q q 0 0 0 rg BT 547.29 328.10 Td (fee, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (which ) Tj ET Q q 0 0 0 rg BT 77.26 316.10 Td (approximates ) Tj ET Q q 0 0 0 rg BT 133.95 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 148.98 316.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 181.24 316.10 Td (owed ) Tj ET Q q 0 0 0 rg BT 205.72 316.10 Td (for ) Tj ET Q q 0 0 0 rg BT 220.19 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 235.23 316.10 Td (time ) Tj ET Q q 0 0 0 rg BT 255.82 316.10 Td (period ) Tj ET Q q 0 0 0 rg BT 284.19 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 299.22 316.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 334.24 316.10 Td (was ) Tj ET Q q 0 0 0 rg BT 352.62 316.10 Td (past ) Tj ET Q q 0 0 0 rg BT 371.54 316.10 Td (due. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.30 316.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 409.67 316.10 Td (re-age ) Tj ET Q q 0 0 0 rg BT 437.46 316.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 478.05 316.10 Td (consist ) Tj ET Q q 0 0 0 rg BT 508.65 316.10 Td (of ) Tj ET Q q 0 0 0 rg BT 519.80 316.10 Td (extensions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.42 304.10 Td (two ) Tj ET Q q 0 0 0 rg BT 83.41 304.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 119.83 304.10 Td (updates, ) Tj ET Q q 0 0 0 rg BT 154.86 304.10 Td (which ) Tj ET Q q 0 0 0 rg BT 181.29 304.10 Td (include ) Tj ET Q q 0 0 0 rg BT 212.71 304.10 Td (unilateral ) Tj ET Q q 0 0 0 rg BT 252.45 304.10 Td (extensions ) Tj ET Q q 0 0 0 rg BT 296.66 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 306.42 304.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 348.96 304.10 Td (who ) Tj ET Q q 0 0 0 rg BT 368.16 304.10 Td (make ) Tj ET Q q 0 0 0 rg BT 391.80 304.10 Td (two ) Tj ET Q q 0 0 0 rg BT 408.79 304.10 Td (full ) Tj ET Q q 0 0 0 rg BT 424.66 304.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 464.98 304.10 Td (in ) Tj ET Q q 0 0 0 rg BT 474.74 304.10 Td (three ) Tj ET Q q 0 0 0 rg BT 496.71 304.10 Td (calendar ) Tj ET Q q 0 0 0 rg BT 532.56 304.10 Td (months ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.49 292.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 90.41 292.10 Td (states. ) Tj ET Q q 0 0 0 rg BT 117.83 292.10 Td (Re-ages ) Tj ET Q q 0 0 0 rg BT 152.75 292.10 Td (are ) Tj ET Q q 0 0 0 rg BT 167.67 292.10 Td (not ) Tj ET Q q 0 0 0 rg BT 183.16 292.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 215.86 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 226.35 292.10 Td (debtors ) Tj ET Q q 0 0 0 rg BT 258.50 292.10 Td (who ) Tj ET Q q 0 0 0 rg BT 278.44 292.10 Td (demonstrate ) Tj ET Q q 0 0 0 rg BT 330.02 292.10 Td (a ) Tj ET Q q 0 0 0 rg BT 337.17 292.10 Td (lack ) Tj ET Q q 0 0 0 rg BT 356.54 292.10 Td (of ) Tj ET Q q 0 0 0 rg BT 367.58 292.10 Td (intent ) Tj ET Q q 0 0 0 rg BT 393.07 292.10 Td (or ) Tj ET Q q 0 0 0 rg BT 404.11 292.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 432.38 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 442.87 292.10 Td (service ) Tj ET Q q 0 0 0 rg BT 473.89 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 488.82 292.10 Td (obligation ) Tj ET Q q 0 0 0 rg BT 532.09 292.10 Td (or ) Tj ET Q q 0 0 0 rg BT 543.13 292.10 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (reached ) Tj ET Q q 0 0 0 rg BT 83.06 280.10 Td (our ) Tj ET Q q 0 0 0 rg BT 98.36 280.10 Td (limits ) Tj ET Q q 0 0 0 rg BT 123.12 280.10 Td (for ) Tj ET Q q 0 0 0 rg BT 136.75 280.10 Td (account ) Tj ET Q q 0 0 0 rg BT 169.81 280.10 Td (re-aging.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.63 280.10 Td () Tj ET Q q 0 0 0 rg BT 207.95 280.10 Td (T) Tj ET Q q 0 0 0 rg BT 213.36 280.10 Td (o ) Tj ET Q q 0 0 0 rg BT 220.33 280.10 Td (a ) Tj ET Q q 0 0 0 rg BT 226.74 280.10 Td (much ) Tj ET Q q 0 0 0 rg BT 250.93 280.10 Td (lesser ) Tj ET Q q 0 0 0 rg BT 275.67 280.10 Td (extent, ) Tj ET Q q 0 0 0 rg BT 304.58 280.10 Td (we ) Tj ET Q q 0 0 0 rg BT 318.21 280.10 Td (may ) Tj ET Q q 0 0 0 rg BT 337.40 280.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 369.92 280.10 Td (the ) Tj ET Q q 0 0 0 rg BT 384.11 280.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 422.74 280.10 Td (the ) Tj ET Q q 0 0 0 rg BT 436.93 280.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 464.45 280.10 Td (to ) Tj ET Q q 0 0 0 rg BT 474.20 280.10 Td (re-age ) Tj ET Q q 0 0 0 rg BT 501.15 280.10 Td (their ) Tj ET Q q 0 0 0 rg BT 521.45 280.10 Td (obligation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.50 268.10 Td (refinancing ) Tj ET Q q 0 0 0 rg BT 110.53 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 125.24 268.10 Td (account, ) Tj ET Q q 0 0 0 rg BT 161.33 268.10 Td (which ) Tj ET Q q 0 0 0 rg BT 188.27 268.10 Td (does ) Tj ET Q q 0 0 0 rg BT 209.10 268.10 Td (not ) Tj ET Q q 0 0 0 rg BT 224.37 268.10 Td (change ) Tj ET Q q 0 0 0 rg BT 255.19 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 269.90 268.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 301.83 268.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 319.31 268.10 Td (or ) Tj ET Q q 0 0 0 rg BT 330.14 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 344.86 268.10 Td (total ) Tj ET Q q 0 0 0 rg BT 365.13 268.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 403.17 268.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 435.66 268.10 Td (due ) Tj ET Q q 0 0 0 rg BT 452.60 268.10 Td (from ) Tj ET Q q 0 0 0 rg BT 474.53 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 489.25 268.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 528.40 268.10 Td (but ) Tj ET Q q 0 0 0 rg BT 543.67 268.10 Td (does ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 78.81 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 93.20 256.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 128.70 256.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 175.29 256.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 215.78 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 232.39 256.10 Td (extends ) Tj ET Q q 0 0 0 rg BT 265.10 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.49 256.10 Td (term. ) Tj ET Q q 0 0 0 rg BT 302.48 256.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 329.64 256.10 Td (these ) Tj ET Q q 0 0 0 rg BT 352.35 256.10 Td (options ) Tj ET Q q 0 0 0 rg BT 383.97 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 398.35 256.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 437.18 256.10 Td (must ) Tj ET Q q 0 0 0 rg BT 458.79 256.10 Td (demonstrate ) Tj ET Q q 0 0 0 rg BT 509.83 256.10 Td (a ) Tj ET Q q 0 0 0 rg BT 516.44 256.10 Td (willingness ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 244.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 94.99 244.10 Td (to ) Tj ET Q q 0 0 0 rg BT 105.27 244.10 Td (resume ) Tj ET Q q 0 0 0 rg BT 136.65 244.10 Td (making ) Tj ET Q q 0 0 0 rg BT 169.14 244.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 216.06 244.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 251.89 244.10 Td (payments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 226.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.46 226.10 Td (deem ) Tj ET Q q 0 0 0 rg BT 89.50 226.10 Td (an ) Tj ET Q q 0 0 0 rg BT 101.32 226.10 Td (account ) Tj ET Q q 0 0 0 rg BT 134.79 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 144.96 226.10 Td (be ) Tj ET Q q 0 0 0 rg BT 156.78 226.10 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 210.81 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 227.63 226.10 Td (char) Tj ET Q q 0 0 0 rg BT 244.65 226.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 256.47 226.10 Td (it ) Tj ET Q q 0 0 0 rg BT 264.41 226.10 Td (of) Tj ET Q q 0 0 0 rg BT 272.56 226.10 Td (f ) Tj ET Q q 0 0 0 rg BT 278.28 226.10 Td (when ) Tj ET Q q 0 0 0 rg BT 302.32 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 316.92 226.10 Td (account ) Tj ET Q q 0 0 0 rg BT 350.40 226.10 Td (is ) Tj ET Q q 0 0 0 rg BT 359.45 226.10 Td (more ) Tj ET Q q 0 0 0 rg BT 382.38 226.10 Td (than ) Tj ET Q q 0 0 0 rg BT 401.98 226.10 Td (209 ) Tj ET Q q 0 0 0 rg BT 419.36 226.10 Td (days ) Tj ET Q q 0 0 0 rg BT 440.07 226.10 Td (past ) Tj ET Q q 0 0 0 rg BT 458.56 226.10 Td (due ) Tj ET Q q 0 0 0 rg BT 475.39 226.10 Td (at ) Tj ET Q q 0 0 0 rg BT 484.99 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 499.58 226.10 Td (end ) Tj ET Q q 0 0 0 rg BT 516.41 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 527.12 226.10 Td (a ) Tj ET Q q 0 0 0 rg BT 533.94 226.10 Td (month. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 67.88 214.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 92.97 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 109.74 214.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 155.94 214.10 Td (staf) Tj ET Q q 0 0 0 rg BT 170.20 214.10 Td (f ) Tj ET Q q 0 0 0 rg BT 175.85 214.10 Td (consistently ) Tj ET Q q 0 0 0 rg BT 225.96 214.10 Td (monitor ) Tj ET Q q 0 0 0 rg BT 259.95 214.10 Td (trends ) Tj ET Q q 0 0 0 rg BT 286.72 214.10 Td (in ) Tj ET Q q 0 0 0 rg BT 296.82 214.10 Td (char) Tj ET Q q 0 0 0 rg BT 313.85 214.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 334.77 214.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 344.32 214.10 Td (by ) Tj ET Q q 0 0 0 rg BT 356.64 214.10 Td (examining ) Tj ET Q q 0 0 0 rg BT 401.18 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 415.73 214.10 Td (various ) Tj ET Q q 0 0 0 rg BT 447.50 214.10 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 507.01 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 517.67 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 532.21 214.10 Td (char) Tj ET Q q 0 0 0 rg BT 549.24 214.10 Td (ge-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 202.10 Td (fs, ) Tj ET Q q 0 0 0 rg BT 70.58 202.10 Td (including ) Tj ET Q q 0 0 0 rg BT 111.07 202.10 Td (by ) Tj ET Q q 0 0 0 rg BT 123.79 202.10 Td (market, ) Tj ET Q q 0 0 0 rg BT 156.76 202.10 Td (product ) Tj ET Q q 0 0 0 rg BT 190.02 202.10 Td (type, ) Tj ET Q q 0 0 0 rg BT 212.46 202.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 251.82 202.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 277.30 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 294.45 202.10 Td (income ) Tj ET Q q 0 0 0 rg BT 326.60 202.10 Td (information, ) Tj ET Q q 0 0 0 rg BT 379.03 202.10 Td (down ) Tj ET Q q 0 0 0 rg BT 403.96 202.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 441.11 202.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 477.71 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 494.86 202.10 Td (other ) Tj ET Q q 0 0 0 rg BT 518.12 202.10 Td (identifying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (information. ) Tj ET Q q 0 0 0 rg BT 102.37 190.10 Td (W) Tj ET Q q 0 0 0 rg BT 111.01 190.10 Td (e ) Tj ET Q q 0 0 0 rg BT 118.32 190.10 Td (track ) Tj ET Q q 0 0 0 rg BT 141.17 190.10 Td (our ) Tj ET Q q 0 0 0 rg BT 157.37 190.10 Td (char) Tj ET Q q 0 0 0 rg BT 174.40 190.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 195.31 190.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 205.41 190.10 Td (both ) Tj ET Q q 0 0 0 rg BT 226.05 190.10 Td (gross, ) Tj ET Q q 0 0 0 rg BT 252.53 190.10 Td (before ) Tj ET Q q 0 0 0 rg BT 280.94 190.10 Td (recoveries, ) Tj ET Q q 0 0 0 rg BT 327.39 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 344.70 190.10 Td (net, ) Tj ET Q q 0 0 0 rg BT 362.29 190.10 Td (after ) Tj ET Q q 0 0 0 rg BT 383.47 190.10 Td (recoveries. ) Tj ET Q q 0 0 0 rg BT 429.71 190.10 Td (W) Tj ET Q q 0 0 0 rg BT 438.35 190.10 Td (e ) Tj ET Q q 0 0 0 rg BT 445.66 190.10 Td (periodically ) Tj ET Q q 0 0 0 rg BT 496.29 190.10 Td (adjust ) Tj ET Q q 0 0 0 rg BT 523.04 190.10 Td (our ) Tj ET Q q 0 0 0 rg BT 539.24 190.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (granting, ) Tj ET Q q 0 0 0 rg BT 88.68 178.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 130.96 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 148.25 178.10 Td (char) Tj ET Q q 0 0 0 rg BT 165.28 178.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 186.20 178.10 Td (f ) Tj ET Q q 0 0 0 rg BT 192.38 178.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 226.34 178.10 Td (based ) Tj ET Q q 0 0 0 rg BT 251.96 178.10 Td (on ) Tj ET Q q 0 0 0 rg BT 264.81 178.10 Td (this ) Tj ET Q q 0 0 0 rg BT 282.11 178.10 Td (information. ) Tj ET Q q 0 0 0 rg BT 334.68 178.10 Td (It ) Tj ET Q q 0 0 0 rg BT 343.64 178.10 Td (is ) Tj ET Q q 0 0 0 rg BT 353.16 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 363.79 178.10 Td (our ) Tj ET Q q 0 0 0 rg BT 379.98 178.10 Td (advantage ) Tj ET Q q 0 0 0 rg BT 423.36 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 433.99 178.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 467.94 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 483.01 178.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 520.86 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 531.49 178.10 Td (balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.27 166.10 Td (combined ) Tj ET Q q 0 0 0 rg BT 107.75 166.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 147.45 166.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 170.50 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 187.99 166.10 Td (net ) Tj ET Q q 0 0 0 rg BT 203.25 166.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 230.19 166.10 Td (on ) Tj ET Q q 0 0 0 rg BT 243.24 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.50 166.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 284.32 166.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 322.36 166.10 Td (with ) Tj ET Q q 0 0 0 rg BT 343.19 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 358.45 166.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 389.26 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 400.64 166.10 Td (repeat ) Tj ET Q q 0 0 0 rg BT 428.11 166.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 451.70 166.10 Td (sales. ) Tj ET Q q 0 0 0 rg BT 476.47 166.10 Td (W) Tj ET Q q 0 0 0 rg BT 485.11 166.10 Td (e ) Tj ET Q q 0 0 0 rg BT 492.60 166.10 Td (may ) Tj ET Q q 0 0 0 rg BT 512.86 166.10 Td (incur ) Tj ET Q q 0 0 0 rg BT 536.46 166.10 Td (higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 89.16 154.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 111.66 154.10 Td (in ) Tj ET Q q 0 0 0 rg BT 121.93 154.10 Td (order ) Tj ET Q q 0 0 0 rg BT 145.53 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 155.81 154.10 Td (build ) Tj ET Q q 0 0 0 rg BT 178.87 154.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 218.02 154.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 271.63 154.10 Td (that ) Tj ET Q q 0 0 0 rg BT 289.12 154.10 Td (may ) Tj ET Q q 0 0 0 rg BT 308.84 154.10 Td (result ) Tj ET Q q 0 0 0 rg BT 333.55 154.10 Td (in ) Tj ET Q q 0 0 0 rg BT 343.83 154.10 Td (future ) Tj ET Q q 0 0 0 rg BT 370.21 154.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 393.25 154.10 Td (sales.) Tj ET Q endstream endobj 21 0 obj <>] /Rotate 0 /Contents 22 0 R>> endobj 22 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Stor) Tj ET Q q 0 0 0 rg BT 68.15 742.25 Td (e ) Tj ET Q q 0 0 0 rg BT 75.09 742.25 Td (Operations) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 724.25 Td (Stores.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.56 724.25 Td (W) Tj ET Q q 0 0 0 rg BT 89.20 724.25 Td (e ) Tj ET Q q 0 0 0 rg BT 95.63 724.25 Td (operate ) Tj ET Q q 0 0 0 rg BT 127.04 724.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 149.57 724.25 Td (stores ) Tj ET Q q 0 0 0 rg BT 174.89 724.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.66 724.25 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.66 724.25 Td ( ) Tj ET Q q 0 0 0 rg BT 196.65 724.25 Td (states. ) Tj ET Q q 0 0 0 rg BT 223.21 724.25 Td (The ) Tj ET Q q 0 0 0 rg BT 240.75 724.25 Td (following ) Tj ET Q q 0 0 0 rg BT 281.63 724.25 Td (table ) Tj ET Q q 0 0 0 rg BT 303.05 724.25 Td (summarizes ) Tj ET Q q 0 0 0 rg BT 352.80 724.25 Td (the ) Tj ET Q q 0 0 0 rg BT 367.01 724.25 Td (number ) Tj ET Q q 0 0 0 rg BT 399.55 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 409.87 724.25 Td (stores ) Tj ET Q q 0 0 0 rg BT 435.19 724.25 Td (in ) Tj ET Q q 0 0 0 rg BT 444.95 724.25 Td (operation ) Tj ET Q q 0 0 0 rg BT 484.71 724.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.91 724.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 542.00 724.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 712.25 Td (each ) Tj ET Q q 0 0 0 rg BT 81.09 712.25 Td (of ) Tj ET Q q 0 0 0 rg BT 91.92 712.25 Td (our ) Tj ET Q q 0 0 0 rg BT 107.75 712.25 Td (markets:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 671.75 298.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 671.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 671.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 671.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 671.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 671.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 671.75 71.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 641.75 298.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 641.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 641.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 641.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 641.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 641.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 641.75 71.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 611.75 298.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 611.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 611.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 611.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 611.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 611.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 611.75 71.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 581.75 298.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 581.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 581.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 581.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 581.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 581.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 581.75 71.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 551.75 298.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 551.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 551.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 551.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 551.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 551.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 551.75 71.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 521.75 298.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 521.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 521.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 521.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 521.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 521.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 521.75 71.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 491.75 298.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 491.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 491.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 491.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 491.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 491.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 491.75 71.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 461.75 298.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 461.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 461.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 461.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 461.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 461.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 461.75 71.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 421.75 298.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 421.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 421.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 421.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 421.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 421.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 421.75 71.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 671.75 m 348.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 671.75 m 417.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 671.75 m 487.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 671.75 m 562.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 671.75 m 348.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 671.75 m 417.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 671.75 m 487.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 671.75 m 562.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 461.75 m 487.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 461.75 m 562.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 461.75 m 417.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 461.75 m 487.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 461.75 m 562.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 406.75 m 417.5 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 406.75 m 487.5 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 406.75 m 562.5 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 392.75 m 417.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 390.75 m 417.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 406.75 m 487.5 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 392.75 m 487.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 390.75 m 487.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 406.75 m 562.5 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 392.75 m 562.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 390.75 m 562.5 390.75 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 676.43 Td (Geographic ) Tj ET Q q 0 0 0 rg BT 105.50 676.43 Td (Location) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 361.35 686.43 Td (Number) Tj ET Q q 0 0 0 rg BT 396.81 686.43 Td ( of) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 363.65 676.43 Td (Locations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 424.75 686.43 Td (Retail Squar) Tj ET Q q 0 0 0 rg BT 478.83 686.43 Td (e) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 444.80 676.43 Td (Feet) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 513.80 686.43 Td (Other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.90 676.43 Td (Squar) Tj ET Q q 0 0 0 rg BT 526.84 676.43 Td (e Feet) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 661.42 Td (Alabama) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 661.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 661.42 Td (39,124) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 661.42 Td (7,204) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 646.42 Td (Arizona) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 646.42 Td (1) Tj ET Q q 0 0 0 rg BT 408.65 646.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.15 646.42 Td (384,283) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 646.42 Td (81,140) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 631.42 Td (Colorado) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 631.42 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.15 631.42 Td (243,383) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 631.42 Td (64,701) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 616.42 Td (Geor) Tj ET Q q 0 0 0 rg BT 72.90 616.42 Td (gia) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 616.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 616.42 Td (40,935) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 616.42 Td (8,446) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 601.42 Td (Louisiana) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 601.42 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.15 601.42 Td (242,532) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 601.42 Td (67,087) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 586.42 Td (Mississippi) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 586.42 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 586.42 Td (73,780) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 586.42 Td (13,892) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 571.42 Td (Nevada) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 571.42 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.15 571.42 Td (1) Tj ET Q q 0 0 0 rg BT 456.15 571.42 Td (18,51) Tj ET Q q 0 0 0 rg BT 478.65 571.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 571.42 Td (26,072) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 556.42 Td (New Mexico) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 556.42 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.15 556.42 Td (138,285) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 556.42 Td (23,325) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 541.42 Td (North Carolina) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 541.42 Td (1) Tj ET Q q 0 0 0 rg BT 408.65 541.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.15 541.42 Td (419,584) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 541.42 Td (83,889) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 526.42 Td (Oklahoma) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 526.42 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.15 526.42 Td (135,215) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 526.42 Td (27,740) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 511.42 Td (South Carolina) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 511.42 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.15 511.42 Td (140,145) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 511.42 Td (21,516) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 496.42 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 496.42 Td (ennessee) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 496.42 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.15 496.42 Td (214,1) Tj ET Q q 0 0 0 rg BT 473.65 496.42 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 496.42 Td (46,455) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 481.42 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 481.42 Td (exas) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 481.42 Td (55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.65 481.42 Td (1,905,761) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 481.42 Td (310,460) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 466.42 Td (V) Tj ET Q q 0 0 0 rg BT 59.92 466.42 Td (ir) Tj ET Q q 0 0 0 rg BT 65.64 466.42 Td (ginia) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 466.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 466.42 Td (37,094) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 466.42 Td (6,868) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 451.42 Td (Store totals) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.65 451.42 Td (1) Tj ET Q q 0 0 0 rg BT 403.65 451.42 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.65 451.42 Td (4,132,748) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 451.42 Td (788,795) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 436.42 Td (Distribution and Service Centers and Cross-dock Facilities \(excluding) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 426.42 Td (cross-docks within stores\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 426.42 Td (23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.65 426.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 426.42 Td (3,044,927) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 411.42 Td (Corporate Of) Tj ET Q q 0 0 0 rg BT 105.86 411.42 Td (fices) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 411.42 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.65 411.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 411.42 Td (206,243) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 396.42 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 396.42 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.65 396.42 Td (143) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.65 396.42 Td (4,132,748) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 396.42 Td (4,039,965) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 374.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.56 374.25 Td (stores ) Tj ET Q q 0 0 0 rg BT 94.90 374.25 Td (have ) Tj ET Q q 0 0 0 rg BT 116.79 374.25 Td (an ) Tj ET Q q 0 0 0 rg BT 129.24 374.25 Td (average ) Tj ET Q q 0 0 0 rg BT 163.33 374.25 Td (selling ) Tj ET Q q 0 0 0 rg BT 193.01 374.25 Td (space ) Tj ET Q q 0 0 0 rg BT 218.23 374.25 Td (of ) Tj ET Q q 0 0 0 rg BT 229.57 374.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.33 374.25 Td (36,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.83 374.25 Td ( ) Tj ET Q q 0 0 0 rg BT 320.84 374.25 Td (square ) Tj ET Q q 0 0 0 rg BT 349.95 374.25 Td (feet, ) Tj ET Q q 0 0 0 rg BT 370.45 374.25 Td (plus ) Tj ET Q q 0 0 0 rg BT 390.13 374.25 Td (a ) Tj ET Q q 0 0 0 rg BT 397.58 374.25 Td (storage ) Tj ET Q q 0 0 0 rg BT 429.47 374.25 Td (area ) Tj ET Q q 0 0 0 rg BT 449.12 374.25 Td (for ) Tj ET Q q 0 0 0 rg BT 463.79 374.25 Td (fast-moving ) Tj ET Q q 0 0 0 rg BT 515.13 374.25 Td (and ) Tj ET Q q 0 0 0 rg BT 532.58 374.25 Td (smaller ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 362.25 Td (products ) Tj ET Q q 0 0 0 rg BT 87.09 362.25 Td (that ) Tj ET Q q 0 0 0 rg BT 104.73 362.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 147.93 362.25 Td (prefer ) Tj ET Q q 0 0 0 rg BT 174.45 362.25 Td (to ) Tj ET Q q 0 0 0 rg BT 184.88 362.25 Td (carry ) Tj ET Q q 0 0 0 rg BT 208.07 362.25 Td (out ) Tj ET Q q 0 0 0 rg BT 223.49 362.25 Td (rather ) Tj ET Q q 0 0 0 rg BT 249.46 362.25 Td (than ) Tj ET Q q 0 0 0 rg BT 269.33 362.25 Td (wait ) Tj ET Q q 0 0 0 rg BT 289.19 362.25 Td (for ) Tj ET Q q 0 0 0 rg BT 303.50 362.25 Td (in-home ) Tj ET Q q 0 0 0 rg BT 339.48 362.25 Td (delivery) Tj ET Q q 0 0 0 rg BT 371.59 362.25 Td (. ) Tj ET Q q 0 0 0 rg BT 376.75 362.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.20 362.25 Td (T) Tj ET Q q 0 0 0 rg BT 384.61 362.25 Td (welve) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.49 362.25 Td ( ) Tj ET Q q 0 0 0 rg BT 411.14 362.25 Td (of ) Tj ET Q q 0 0 0 rg BT 422.12 362.25 Td (our ) Tj ET Q q 0 0 0 rg BT 438.10 362.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 461.29 362.25 Td (stores ) Tj ET Q q 0 0 0 rg BT 487.27 362.25 Td (also ) Tj ET Q q 0 0 0 rg BT 506.03 362.25 Td (contain ) Tj ET Q q 0 0 0 rg BT 538.12 362.25 Td (cross-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 350.25 Td (dock ) Tj ET Q q 0 0 0 rg BT 71.94 350.25 Td (facilities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 332.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 332.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.63 332.25 Td (continuously ) Tj ET Q q 0 0 0 rg BT 119.85 332.25 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 155.71 332.25 Td (our ) Tj ET Q q 0 0 0 rg BT 171.59 332.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 205.81 332.25 Td (and ) Tj ET Q q 0 0 0 rg BT 222.80 332.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 260.34 332.25 Td (sites ) Tj ET Q q 0 0 0 rg BT 280.68 332.25 Td (to ) Tj ET Q q 0 0 0 rg BT 291.01 332.25 Td (position ) Tj ET Q q 0 0 0 rg BT 325.79 332.25 Td (our ) Tj ET Q q 0 0 0 rg BT 341.67 332.25 Td (stores ) Tj ET Q q 0 0 0 rg BT 367.55 332.25 Td (in ) Tj ET Q q 0 0 0 rg BT 377.88 332.25 Td (desirable ) Tj ET Q q 0 0 0 rg BT 416.53 332.25 Td (locations ) Tj ET Q q 0 0 0 rg BT 455.19 332.25 Td (and ) Tj ET Q q 0 0 0 rg BT 472.18 332.25 Td (relocate ) Tj ET Q q 0 0 0 rg BT 506.37 332.25 Td (stores ) Tj ET Q q 0 0 0 rg BT 532.25 332.25 Td (that ) Tj ET Q q 0 0 0 rg BT 549.80 332.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 320.25 Td (not ) Tj ET Q q 0 0 0 rg BT 64.46 320.25 Td (properly ) Tj ET Q q 0 0 0 rg BT 100.03 320.25 Td (positioned. ) Tj ET Q q 0 0 0 rg BT 145.76 320.25 Td (W) Tj ET Q q 0 0 0 rg BT 154.39 320.25 Td (e ) Tj ET Q q 0 0 0 rg BT 160.52 320.25 Td (typically ) Tj ET Q q 0 0 0 rg BT 197.19 320.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 218.87 320.25 Td (rather ) Tj ET Q q 0 0 0 rg BT 243.87 320.25 Td (than ) Tj ET Q q 0 0 0 rg BT 262.77 320.25 Td (purchase ) Tj ET Q q 0 0 0 rg BT 299.99 320.25 Td (our ) Tj ET Q q 0 0 0 rg BT 315.01 320.25 Td (stores, ) Tj ET Q q 0 0 0 rg BT 342.53 320.25 Td (distribution ) Tj ET Q q 0 0 0 rg BT 390.33 320.25 Td (and ) Tj ET Q q 0 0 0 rg BT 406.45 320.25 Td (service ) Tj ET Q q 0 0 0 rg BT 436.45 320.25 Td (centers ) Tj ET Q q 0 0 0 rg BT 466.45 320.25 Td (and ) Tj ET Q q 0 0 0 rg BT 482.58 320.25 Td (cross-dock ) Tj ET Q q 0 0 0 rg BT 527.58 320.25 Td (facilities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 308.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.07 308.25 Td (retain ) Tj ET Q q 0 0 0 rg BT 85.13 308.25 Td (the ) Tj ET Q q 0 0 0 rg BT 99.65 308.25 Td (flexibility ) Tj ET Q q 0 0 0 rg BT 141.38 308.25 Td (of ) Tj ET Q q 0 0 0 rg BT 152.01 308.25 Td (managing ) Tj ET Q q 0 0 0 rg BT 193.74 308.25 Td (our ) Tj ET Q q 0 0 0 rg BT 209.37 308.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 246.64 308.25 Td (commitment ) Tj ET Q q 0 0 0 rg BT 299.49 308.25 Td (to ) Tj ET Q q 0 0 0 rg BT 309.56 308.25 Td (a ) Tj ET Q q 0 0 0 rg BT 316.30 308.25 Td (location ) Tj ET Q q 0 0 0 rg BT 350.80 308.25 Td (if ) Tj ET Q q 0 0 0 rg BT 359.21 308.25 Td (we ) Tj ET Q q 0 0 0 rg BT 373.17 308.25 Td (later ) Tj ET Q q 0 0 0 rg BT 393.23 308.25 Td (decide ) Tj ET Q q 0 0 0 rg BT 421.62 308.25 Td (that ) Tj ET Q q 0 0 0 rg BT 438.91 308.25 Td (a ) Tj ET Q q 0 0 0 rg BT 445.64 308.25 Td (store ) Tj ET Q q 0 0 0 rg BT 467.38 308.25 Td (or ) Tj ET Q q 0 0 0 rg BT 478.00 308.25 Td (market ) Tj ET Q q 0 0 0 rg BT 508.06 308.25 Td (is ) Tj ET Q q 0 0 0 rg BT 517.03 308.25 Td (performing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 296.25 Td (below ) Tj ET Q q 0 0 0 rg BT 77.44 296.25 Td (our ) Tj ET Q q 0 0 0 rg BT 93.78 296.25 Td (standards ) Tj ET Q q 0 0 0 rg BT 134.55 296.25 Td (or ) Tj ET Q q 0 0 0 rg BT 145.88 296.25 Td (the ) Tj ET Q q 0 0 0 rg BT 161.11 296.25 Td (market ) Tj ET Q q 0 0 0 rg BT 191.87 296.25 Td (would ) Tj ET Q q 0 0 0 rg BT 219.88 296.25 Td (be ) Tj ET Q q 0 0 0 rg BT 232.32 296.25 Td (better ) Tj ET Q q 0 0 0 rg BT 258.09 296.25 Td (served ) Tj ET Q q 0 0 0 rg BT 287.19 296.25 Td (by ) Tj ET Q q 0 0 0 rg BT 300.20 296.25 Td (a ) Tj ET Q q 0 0 0 rg BT 307.64 296.25 Td (relocation. ) Tj ET Q q 0 0 0 rg BT 352.46 296.25 Td (As ) Tj ET Q q 0 0 0 rg BT 366.58 296.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.91 296.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 427.02 296.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.02 296.25 Td (,) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 449.52 296.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.02 296.25 Td (we ) Tj ET Q q 0 0 0 rg BT 466.68 296.25 Td (leased ) Tj ET Q q 0 0 0 rg BT 494.67 296.25 Td (almost ) Tj ET Q q 0 0 0 rg BT 524.34 296.25 Td (all ) Tj ET Q q 0 0 0 rg BT 537.34 296.25 Td (of ) Tj ET Q q 0 0 0 rg BT 548.67 296.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 284.25 Td (store, ) Tj ET Q q 0 0 0 rg BT 74.44 284.25 Td (distribution ) Tj ET Q q 0 0 0 rg BT 123.05 284.25 Td (and ) Tj ET Q q 0 0 0 rg BT 139.99 284.25 Td (service ) Tj ET Q q 0 0 0 rg BT 170.81 284.25 Td (center ) Tj ET Q q 0 0 0 rg BT 197.73 284.25 Td (and ) Tj ET Q q 0 0 0 rg BT 214.67 284.25 Td (cross-dock ) Tj ET Q q 0 0 0 rg BT 260.49 284.25 Td (locations. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 266.25 Td (Personnel ) Tj ET Q q 0 0 0 rg BT 93.54 266.25 Td (and ) Tj ET Q q 0 0 0 rg BT 110.98 266.25 Td (compensation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.21 266.25 Td (W) Tj ET Q q 0 0 0 rg BT 181.84 266.25 Td (e ) Tj ET Q q 0 0 0 rg BT 188.16 266.25 Td (staf) Tj ET Q q 0 0 0 rg BT 202.41 266.25 Td (f ) Tj ET Q q 0 0 0 rg BT 207.62 266.25 Td (a ) Tj ET Q q 0 0 0 rg BT 213.93 266.25 Td (typical ) Tj ET Q q 0 0 0 rg BT 243.02 266.25 Td (store ) Tj ET Q q 0 0 0 rg BT 264.33 266.25 Td (with ) Tj ET Q q 0 0 0 rg BT 283.98 266.25 Td (a ) Tj ET Q q 0 0 0 rg BT 290.29 266.25 Td (store ) Tj ET Q q 0 0 0 rg BT 311.61 266.25 Td (manager) Tj ET Q q 0 0 0 rg BT 345.63 266.25 Td (, ) Tj ET Q q 0 0 0 rg BT 350.00 266.25 Td (an ) Tj ET Q q 0 0 0 rg BT 361.32 266.25 Td (assistant ) Tj ET Q q 0 0 0 rg BT 397.08 266.25 Td (manager) Tj ET Q q 0 0 0 rg BT 431.10 266.25 Td (, ) Tj ET Q q 0 0 0 rg BT 435.47 266.25 Td (an ) Tj ET Q q 0 0 0 rg BT 446.79 266.25 Td (average ) Tj ET Q q 0 0 0 rg BT 479.75 266.25 Td (of ) Tj ET Q q 0 0 0 rg BT 489.95 266.25 Td (20 ) Tj ET Q q 0 0 0 rg BT 501.82 266.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 523.14 266.25 Td (personnel ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 254.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.81 254.25 Td (other ) Tj ET Q q 0 0 0 rg BT 89.72 254.25 Td (support ) Tj ET Q q 0 0 0 rg BT 122.09 254.25 Td (staf) Tj ET Q q 0 0 0 rg BT 136.35 254.25 Td (f, ) Tj ET Q q 0 0 0 rg BT 144.55 254.25 Td (including ) Tj ET Q q 0 0 0 rg BT 184.69 254.25 Td (cashiers ) Tj ET Q q 0 0 0 rg BT 219.26 254.25 Td (and ) Tj ET Q q 0 0 0 rg BT 236.07 254.25 Td (porters ) Tj ET Q q 0 0 0 rg BT 266.21 254.25 Td (based ) Tj ET Q q 0 0 0 rg BT 291.34 254.25 Td (on ) Tj ET Q q 0 0 0 rg BT 303.71 254.25 Td (store ) Tj ET Q q 0 0 0 rg BT 325.52 254.25 Td (size ) Tj ET Q q 0 0 0 rg BT 343.43 254.25 Td (and ) Tj ET Q q 0 0 0 rg BT 360.24 254.25 Td (location. ) Tj ET Q q 0 0 0 rg BT 397.32 254.25 Td (Managers ) Tj ET Q q 0 0 0 rg BT 439.12 254.25 Td (have ) Tj ET Q q 0 0 0 rg BT 460.36 254.25 Td (an ) Tj ET Q q 0 0 0 rg BT 472.17 254.25 Td (average ) Tj ET Q q 0 0 0 rg BT 505.62 254.25 Td (tenure ) Tj ET Q q 0 0 0 rg BT 532.97 254.25 Td (with ) Tj ET Q q 0 0 0 rg BT 553.12 254.25 Td (us ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 242.25 Td (of ) Tj ET Q q 0 0 0 rg BT 61.40 242.25 Td (approximately ) Tj ET Q q 0 0 0 rg BT 122.22 242.25 Td (four ) Tj ET Q q 0 0 0 rg BT 141.95 242.25 Td (years ) Tj ET Q q 0 0 0 rg BT 166.12 242.25 Td (and ) Tj ET Q q 0 0 0 rg BT 183.63 242.25 Td (typically ) Tj ET Q q 0 0 0 rg BT 221.68 242.25 Td (have ) Tj ET Q q 0 0 0 rg BT 243.63 242.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 266.13 242.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 288.64 242.25 Td (floor ) Tj ET Q q 0 0 0 rg BT 311.15 242.25 Td (experience. ) Tj ET Q q 0 0 0 rg BT 360.02 242.25 Td (In ) Tj ET Q q 0 0 0 rg BT 371.41 242.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 407.26 242.25 Td (to ) Tj ET Q q 0 0 0 rg BT 418.10 242.25 Td (store ) Tj ET Q q 0 0 0 rg BT 440.61 242.25 Td (managers, ) Tj ET Q q 0 0 0 rg BT 484.49 242.25 Td (we ) Tj ET Q q 0 0 0 rg BT 499.22 242.25 Td (have ) Tj ET Q q 0 0 0 rg BT 521.16 242.25 Td (15 ) Tj ET Q q 0 0 0 rg BT 534.23 242.25 Td (district ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 230.25 Td (managers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 212.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 212.25 Td (e ) Tj ET Q q 0 0 0 rg BT 66.14 212.25 Td (compensate ) Tj ET Q q 0 0 0 rg BT 116.41 212.25 Td (the ) Tj ET Q q 0 0 0 rg BT 131.69 212.25 Td (majority ) Tj ET Q q 0 0 0 rg BT 168.64 212.25 Td (of ) Tj ET Q q 0 0 0 rg BT 180.03 212.25 Td (our ) Tj ET Q q 0 0 0 rg BT 196.43 212.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 218.93 212.25 Td (associates ) Tj ET Q q 0 0 0 rg BT 261.98 212.25 Td (on ) Tj ET Q q 0 0 0 rg BT 275.05 212.25 Td (a ) Tj ET Q q 0 0 0 rg BT 282.55 212.25 Td (straight ) Tj ET Q q 0 0 0 rg BT 315.61 212.25 Td (commission ) Tj ET Q q 0 0 0 rg BT 367.01 212.25 Td (arrangement. ) Tj ET Q q 0 0 0 rg BT 422.55 212.25 Td (Store ) Tj ET Q q 0 0 0 rg BT 446.72 212.25 Td (managers ) Tj ET Q q 0 0 0 rg BT 488.11 212.25 Td (and ) Tj ET Q q 0 0 0 rg BT 505.61 212.25 Td (assistant ) Tj ET Q q 0 0 0 rg BT 542.56 212.25 Td (store ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 200.25 Td (managers ) Tj ET Q q 0 0 0 rg BT 91.27 200.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 123.09 200.25 Td (a ) Tj ET Q q 0 0 0 rg BT 130.49 200.25 Td (salary ) Tj ET Q q 0 0 0 rg BT 157.33 200.25 Td (and ) Tj ET Q q 0 0 0 rg BT 174.72 200.25 Td (a ) Tj ET Q q 0 0 0 rg BT 182.12 200.25 Td (bonus. ) Tj ET Q q 0 0 0 rg BT 211.47 200.25 Td ( ) Tj ET Q q 0 0 0 rg BT 214.21 200.25 Td (W) Tj ET Q q 0 0 0 rg BT 222.85 200.25 Td (e ) Tj ET Q q 0 0 0 rg BT 230.25 200.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 262.08 200.25 Td (that ) Tj ET Q q 0 0 0 rg BT 280.03 200.25 Td (because ) Tj ET Q q 0 0 0 rg BT 314.63 200.25 Td (our ) Tj ET Q q 0 0 0 rg BT 330.92 200.25 Td (store ) Tj ET Q q 0 0 0 rg BT 353.32 200.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 411.82 200.25 Td (plans ) Tj ET Q q 0 0 0 rg BT 435.88 200.25 Td (are ) Tj ET Q q 0 0 0 rg BT 451.05 200.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 491.22 200.25 Td (tied ) Tj ET Q q 0 0 0 rg BT 509.17 200.25 Td (to ) Tj ET Q q 0 0 0 rg BT 519.91 200.25 Td (sales, ) Tj ET Q q 0 0 0 rg BT 544.80 200.25 Td (they ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 188.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 89.70 188.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 122.75 188.25 Td (us ) Tj ET Q q 0 0 0 rg BT 134.14 188.25 Td (an ) Tj ET Q q 0 0 0 rg BT 146.08 188.25 Td (advantage ) Tj ET Q q 0 0 0 rg BT 189.11 188.25 Td (in ) Tj ET Q q 0 0 0 rg BT 199.39 188.25 Td (attracting ) Tj ET Q q 0 0 0 rg BT 239.65 188.25 Td (and ) Tj ET Q q 0 0 0 rg BT 256.59 188.25 Td (retaining ) Tj ET Q q 0 0 0 rg BT 294.63 188.25 Td (highly ) Tj ET Q q 0 0 0 rg BT 322.69 188.25 Td (motivated ) Tj ET Q q 0 0 0 rg BT 365.18 188.25 Td (employees.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 170.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.74 170.25 Td (raining.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.31 170.25 Td (New ) Tj ET Q q 0 0 0 rg BT 113.35 170.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 135.95 170.25 Td (personnel ) Tj ET Q q 0 0 0 rg BT 177.98 170.25 Td (complete ) Tj ET Q q 0 0 0 rg BT 217.79 170.25 Td (an ) Tj ET Q q 0 0 0 rg BT 230.39 170.25 Td (intensive ) Tj ET Q q 0 0 0 rg BT 269.65 170.25 Td (classroom ) Tj ET Q q 0 0 0 rg BT 313.36 170.25 Td (training ) Tj ET Q q 0 0 0 rg BT 347.62 170.25 Td (program ) Tj ET Q q 0 0 0 rg BT 384.66 170.25 Td (in ) Tj ET Q q 0 0 0 rg BT 395.60 170.25 Td (the ) Tj ET Q q 0 0 0 rg BT 410.97 170.25 Td (markets ) Tj ET Q q 0 0 0 rg BT 445.79 170.25 Td (where ) Tj ET Q q 0 0 0 rg BT 473.37 170.25 Td (they ) Tj ET Q q 0 0 0 rg BT 493.75 170.25 Td (will ) Tj ET Q q 0 0 0 rg BT 512.47 170.25 Td (be ) Tj ET Q q 0 0 0 rg BT 525.06 170.25 Td (assigned, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 158.25 Td (under ) Tj ET Q q 0 0 0 rg BT 76.10 158.25 Td (the ) Tj ET Q q 0 0 0 rg BT 91.64 158.25 Td (direction ) Tj ET Q q 0 0 0 rg BT 130.51 158.25 Td (of ) Tj ET Q q 0 0 0 rg BT 142.17 158.25 Td (dedicated ) Tj ET Q q 0 0 0 rg BT 183.81 158.25 Td (training ) Tj ET Q q 0 0 0 rg BT 218.25 158.25 Td (personnel ) Tj ET Q q 0 0 0 rg BT 260.45 158.25 Td (in ) Tj ET Q q 0 0 0 rg BT 271.56 158.25 Td (those ) Tj ET Q q 0 0 0 rg BT 296.00 158.25 Td (markets. ) Tj ET Q q 0 0 0 rg BT 333.48 158.25 Td (In ) Tj ET Q q 0 0 0 rg BT 345.14 158.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 383.74 158.25 Td (our ) Tj ET Q q 0 0 0 rg BT 400.40 158.25 Td (employees ) Tj ET Q q 0 0 0 rg BT 446.50 158.25 Td (benefit ) Tj ET Q q 0 0 0 rg BT 477.59 158.25 Td (from ) Tj ET Q q 0 0 0 rg BT 500.36 158.25 Td (on-site ) Tj ET Q q 0 0 0 rg BT 530.90 158.25 Td (training ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 146.25 Td (conducted ) Tj ET Q q 0 0 0 rg BT 93.59 146.25 Td (by ) Tj ET Q q 0 0 0 rg BT 106.09 146.25 Td (many ) Tj ET Q q 0 0 0 rg BT 130.81 146.25 Td (of ) Tj ET Q q 0 0 0 rg BT 141.64 146.25 Td (our ) Tj ET Q q 0 0 0 rg BT 157.47 146.25 Td (vendors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 128.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 128.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.60 128.25 Td (attempt ) Tj ET Q q 0 0 0 rg BT 98.11 128.25 Td (to ) Tj ET Q q 0 0 0 rg BT 108.40 128.25 Td (identify ) Tj ET Q q 0 0 0 rg BT 142.03 128.25 Td (store ) Tj ET Q q 0 0 0 rg BT 163.98 128.25 Td (manager ) Tj ET Q q 0 0 0 rg BT 200.93 128.25 Td (candidates ) Tj ET Q q 0 0 0 rg BT 245.65 128.25 Td (early ) Tj ET Q q 0 0 0 rg BT 268.15 128.25 Td (in ) Tj ET Q q 0 0 0 rg BT 278.45 128.25 Td (their ) Tj ET Q q 0 0 0 rg BT 299.30 128.25 Td (careers ) Tj ET Q q 0 0 0 rg BT 330.12 128.25 Td (with ) Tj ET Q q 0 0 0 rg BT 350.42 128.25 Td (us ) Tj ET Q q 0 0 0 rg BT 361.83 128.25 Td (and ) Tj ET Q q 0 0 0 rg BT 378.79 128.25 Td (place ) Tj ET Q q 0 0 0 rg BT 402.40 128.25 Td (them ) Tj ET Q q 0 0 0 rg BT 424.92 128.25 Td (in ) Tj ET Q q 0 0 0 rg BT 435.21 128.25 Td (a ) Tj ET Q q 0 0 0 rg BT 442.17 128.25 Td (training ) Tj ET Q q 0 0 0 rg BT 475.80 128.25 Td (program. ) Tj ET Q q 0 0 0 rg BT 514.51 128.25 Td (They ) Tj ET Q q 0 0 0 rg BT 537.58 128.25 Td (attend ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 116.25 Td (our ) Tj ET Q q 0 0 0 rg BT 67.65 116.25 Td (in-house ) Tj ET Q q 0 0 0 rg BT 106.40 116.25 Td (manager) Tj ET Q q 0 0 0 rg BT 140.62 116.25 Td (-in-training ) Tj ET Q q 0 0 0 rg BT 190.48 116.25 Td (program, ) Tj ET Q q 0 0 0 rg BT 231.17 116.25 Td (which ) Tj ET Q q 0 0 0 rg BT 259.93 116.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 298.68 116.25 Td (guidance ) Tj ET Q q 0 0 0 rg BT 339.09 116.25 Td (and ) Tj ET Q q 0 0 0 rg BT 357.85 116.25 Td (direction ) Tj ET Q q 0 0 0 rg BT 397.71 116.25 Td (for ) Tj ET Q q 0 0 0 rg BT 413.68 116.25 Td (the ) Tj ET Q q 0 0 0 rg BT 430.21 116.25 Td (development ) Tj ET Q q 0 0 0 rg BT 486.18 116.25 Td (of ) Tj ET Q q 0 0 0 rg BT 498.83 116.25 Td (managerial ) Tj ET Q q 0 0 0 rg BT 547.56 116.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 104.25 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 98.87 104.25 Td (skills. ) Tj ET Q q 0 0 0 rg BT 124.22 104.25 Td (After ) Tj ET Q q 0 0 0 rg BT 147.53 104.25 Td (completion ) Tj ET Q q 0 0 0 rg BT 194.73 104.25 Td (of ) Tj ET Q q 0 0 0 rg BT 205.28 104.25 Td (the ) Tj ET Q q 0 0 0 rg BT 219.71 104.25 Td (training ) Tj ET Q q 0 0 0 rg BT 253.02 104.25 Td (program, ) Tj ET Q q 0 0 0 rg BT 291.61 104.25 Td (manager ) Tj ET Q q 0 0 0 rg BT 328.25 104.25 Td (candidates ) Tj ET Q q 0 0 0 rg BT 372.67 104.25 Td (work ) Tj ET Q q 0 0 0 rg BT 395.43 104.25 Td (as ) Tj ET Q q 0 0 0 rg BT 405.97 104.25 Td (assistant ) Tj ET Q q 0 0 0 rg BT 442.07 104.25 Td (managers ) Tj ET Q q 0 0 0 rg BT 482.60 104.25 Td (for ) Tj ET Q q 0 0 0 rg BT 496.48 104.25 Td (six ) Tj ET Q q 0 0 0 rg BT 510.36 104.25 Td (to ) Tj ET Q q 0 0 0 rg BT 520.35 104.25 Td (12 ) Tj ET Q q 0 0 0 rg BT 532.56 104.25 Td (months ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 92.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.15 92.25 Td (are ) Tj ET Q q 0 0 0 rg BT 82.07 92.25 Td (then ) Tj ET Q q 0 0 0 rg BT 102.00 92.25 Td (allowed ) Tj ET Q q 0 0 0 rg BT 136.36 92.25 Td (to ) Tj ET Q q 0 0 0 rg BT 146.85 92.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 180.66 92.25 Td (one ) Tj ET Q q 0 0 0 rg BT 197.81 92.25 Td (of ) Tj ET Q q 0 0 0 rg BT 208.85 92.25 Td (our ) Tj ET Q q 0 0 0 rg BT 224.89 92.25 Td (smaller ) Tj ET Q q 0 0 0 rg BT 257.04 92.25 Td (stores, ) Tj ET Q q 0 0 0 rg BT 285.58 92.25 Td (where ) Tj ET Q q 0 0 0 rg BT 312.72 92.25 Td (they ) Tj ET Q q 0 0 0 rg BT 332.65 92.25 Td (are ) Tj ET Q q 0 0 0 rg BT 347.56 92.25 Td (supervised ) Tj ET Q q 0 0 0 rg BT 393.04 92.25 Td (closely ) Tj ET Q q 0 0 0 rg BT 424.08 92.25 Td (by ) Tj ET Q q 0 0 0 rg BT 436.79 92.25 Td (the ) Tj ET Q q 0 0 0 rg BT 451.72 92.25 Td (store's ) Tj ET Q q 0 0 0 rg BT 479.56 92.25 Td (district ) Tj ET Q q 0 0 0 rg BT 510.05 92.25 Td (manager) Tj ET Q q 0 0 0 rg BT 543.92 92.25 Td (. ) Tj ET Q q 0 0 0 rg BT 548.94 92.25 Td (W) Tj ET Q q 0 0 0 rg BT 557.57 92.25 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 80.25 Td (give ) Tj ET Q q 0 0 0 rg BT 69.72 80.25 Td (new ) Tj ET Q q 0 0 0 rg BT 88.88 80.25 Td (managers ) Tj ET Q q 0 0 0 rg BT 129.69 80.25 Td (an ) Tj ET Q q 0 0 0 rg BT 141.63 80.25 Td (opportunity ) Tj ET Q q 0 0 0 rg BT 190.80 80.25 Td (to ) Tj ET Q q 0 0 0 rg BT 201.07 80.25 Td (operate ) Tj ET Q q 0 0 0 rg BT 233.00 80.25 Td (lar) Tj ET Q q 0 0 0 rg BT 243.36 80.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 258.63 80.25 Td (stores ) Tj ET Q q 0 0 0 rg BT 284.46 80.25 Td (as ) Tj ET Q q 0 0 0 rg BT 295.29 80.25 Td (they ) Tj ET Q q 0 0 0 rg BT 315.01 80.25 Td (become ) Tj ET Q q 0 0 0 rg BT 348.60 80.25 Td (more ) Tj ET Q q 0 0 0 rg BT 371.65 80.25 Td (proficient ) Tj ET Q q 0 0 0 rg BT 413.02 80.25 Td (in ) Tj ET Q q 0 0 0 rg BT 423.30 80.25 Td (their ) Tj ET Q q 0 0 0 rg BT 444.13 80.25 Td (management ) Tj ET Q q 0 0 0 rg BT 497.71 80.25 Td (skills. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 62.25 Td (New ) Tj ET Q q 0 0 0 rg BT 71.29 62.25 Td (hire ) Tj ET Q q 0 0 0 rg BT 89.24 62.25 Td (district ) Tj ET Q q 0 0 0 rg BT 119.42 62.25 Td (managers ) Tj ET Q q 0 0 0 rg BT 160.14 62.25 Td (and ) Tj ET Q q 0 0 0 rg BT 176.98 62.25 Td (high ) Tj ET Q q 0 0 0 rg BT 197.16 62.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 234.56 62.25 Td (store ) Tj ET Q q 0 0 0 rg BT 256.40 62.25 Td (managers ) Tj ET Q q 0 0 0 rg BT 297.12 62.25 Td (designated ) Tj ET Q q 0 0 0 rg BT 342.29 62.25 Td (for ) Tj ET Q q 0 0 0 rg BT 356.35 62.25 Td (promotion ) Tj ET Q q 0 0 0 rg BT 400.42 62.25 Td (to ) Tj ET Q q 0 0 0 rg BT 410.61 62.25 Td (district ) Tj ET Q q 0 0 0 rg BT 440.79 62.25 Td (manager ) Tj ET Q q 0 0 0 rg BT 477.61 62.25 Td (are ) Tj ET Q q 0 0 0 rg BT 492.23 62.25 Td (prepared ) Tj ET Q q 0 0 0 rg BT 529.61 62.25 Td (for ) Tj ET Q q 0 0 0 rg BT 543.67 62.25 Td (their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 50.25 Td (leadership ) Tj ET Q q 0 0 0 rg BT 93.67 50.25 Td (roles ) Tj ET Q q 0 0 0 rg BT 115.69 50.25 Td (and ) Tj ET Q q 0 0 0 rg BT 132.71 50.25 Td (responsibilities ) Tj ET Q q 0 0 0 rg BT 195.83 50.25 Td (by ) Tj ET Q q 0 0 0 rg BT 208.41 50.25 Td (participating ) Tj ET Q q 0 0 0 rg BT 261.53 50.25 Td (in ) Tj ET Q q 0 0 0 rg BT 271.88 50.25 Td (the ) Tj ET Q q 0 0 0 rg BT 286.68 50.25 Td (district ) Tj ET Q q 0 0 0 rg BT 317.03 50.25 Td (manager) Tj ET Q q 0 0 0 rg BT 351.25 50.25 Td (-in-training ) Tj ET Q q 0 0 0 rg BT 399.38 50.25 Td (program ) Tj ET Q q 0 0 0 rg BT 435.83 50.25 Td (to ) Tj ET Q q 0 0 0 rg BT 446.19 50.25 Td (prepare ) Tj ET Q q 0 0 0 rg BT 478.74 50.25 Td (them ) Tj ET Q q 0 0 0 rg BT 501.31 50.25 Td (to ) Tj ET Q q 0 0 0 rg BT 511.67 50.25 Td (assume ) Tj ET Q q 0 0 0 rg BT 543.69 50.25 Td (their ) Tj ET Q endstream endobj 23 0 obj <>] /Rotate 0 /Contents 24 0 R>> endobj 24 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (roles ) Tj ET Q q 0 0 0 rg BT 71.80 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 82.48 742.10 Td (multi-site ) Tj ET Q q 0 0 0 rg BT 123.17 742.10 Td (managers. ) Tj ET Q q 0 0 0 rg BT 166.34 742.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 188.69 742.10 Td (store ) Tj ET Q q 0 0 0 rg BT 210.48 742.10 Td (manager ) Tj ET Q q 0 0 0 rg BT 247.26 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 264.06 742.10 Td (district ) Tj ET Q q 0 0 0 rg BT 294.19 742.10 Td (manager ) Tj ET Q q 0 0 0 rg BT 330.97 742.10 Td (attends ) Tj ET Q q 0 0 0 rg BT 361.65 742.10 Td (mandatory ) Tj ET Q q 0 0 0 rg BT 406.78 742.10 Td (training ) Tj ET Q q 0 0 0 rg BT 440.24 742.10 Td (sessions ) Tj ET Q q 0 0 0 rg BT 475.38 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 487.73 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 494.53 742.10 Td (regular ) Tj ET Q q 0 0 0 rg BT 525.20 742.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 547.56 742.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (also ) Tj ET Q q 0 0 0 rg BT 68.61 730.10 Td (attends ) Tj ET Q q 0 0 0 rg BT 99.43 730.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 121.37 730.10 Td (training ) Tj ET Q q 0 0 0 rg BT 154.98 730.10 Td (meetings ) Tj ET Q q 0 0 0 rg BT 193.58 730.10 Td (where ) Tj ET Q q 0 0 0 rg BT 220.51 730.10 Td (participants ) Tj ET Q q 0 0 0 rg BT 269.66 730.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 301.02 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 317.96 730.10 Td (discuss ) Tj ET Q q 0 0 0 rg BT 349.35 730.10 Td (new ) Tj ET Q q 0 0 0 rg BT 368.51 730.10 Td (product ) Tj ET Q q 0 0 0 rg BT 401.56 730.10 Td (information.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.10 Td (Leadership ) Tj ET Q q 0 0 0 rg BT 96.22 712.10 Td (development ) Tj ET Q q 0 0 0 rg BT 149.68 712.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 189.80 712.10 Td (for ) Tj ET Q q 0 0 0 rg BT 203.26 712.10 Td (our ) Tj ET Q q 0 0 0 rg BT 218.39 712.10 Td (high ) Tj ET Q q 0 0 0 rg BT 237.97 712.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 274.76 712.10 Td (leaders ) Tj ET Q q 0 0 0 rg BT 304.88 712.10 Td (who ) Tj ET Q q 0 0 0 rg BT 323.90 712.10 Td (demonstrate ) Tj ET Q q 0 0 0 rg BT 374.58 712.10 Td (the ) Tj ET Q q 0 0 0 rg BT 388.59 712.10 Td (capacity ) Tj ET Q q 0 0 0 rg BT 423.70 712.10 Td (for ) Tj ET Q q 0 0 0 rg BT 437.17 712.10 Td (promotion ) Tj ET Q q 0 0 0 rg BT 480.63 712.10 Td (through ) Tj ET Q q 0 0 0 rg BT 513.54 712.10 Td (our ) Tj ET Q q 0 0 0 rg BT 528.67 712.10 Td (building ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (leadership ) Tj ET Q q 0 0 0 rg BT 93.59 700.10 Td (skills ) Tj ET Q q 0 0 0 rg BT 117.21 700.10 Td (program, ) Tj ET Q q 0 0 0 rg BT 156.09 700.10 Td (which ) Tj ET Q q 0 0 0 rg BT 183.03 700.10 Td (enhances ) Tj ET Q q 0 0 0 rg BT 222.17 700.10 Td (the ) Tj ET Q q 0 0 0 rg BT 236.89 700.10 Td (leadership ) Tj ET Q q 0 0 0 rg BT 280.48 700.10 Td (skills ) Tj ET Q q 0 0 0 rg BT 304.10 700.10 Td (of ) Tj ET Q q 0 0 0 rg BT 314.93 700.10 Td (front ) Tj ET Q q 0 0 0 rg BT 336.87 700.10 Td (line ) Tj ET Q q 0 0 0 rg BT 354.37 700.10 Td (managers ) Tj ET Q q 0 0 0 rg BT 395.18 700.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 440.44 700.10 Td (for ) Tj ET Q q 0 0 0 rg BT 454.60 700.10 Td (promotion.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (Advertising) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 664.10 Td (e ) Tj ET Q q 0 0 0 rg BT 64.93 664.10 Td (design ) Tj ET Q q 0 0 0 rg BT 92.90 664.10 Td (our ) Tj ET Q q 0 0 0 rg BT 108.09 664.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 150.49 664.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 190.11 664.10 Td (to ) Tj ET Q q 0 0 0 rg BT 199.75 664.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 234.36 664.10 Td (awareness ) Tj ET Q q 0 0 0 rg BT 277.31 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 287.50 664.10 Td (our ) Tj ET Q q 0 0 0 rg BT 302.69 664.10 Td (brand, ) Tj ET Q q 0 0 0 rg BT 329.81 664.10 Td (which ) Tj ET Q q 0 0 0 rg BT 356.11 664.10 Td (we ) Tj ET Q q 0 0 0 rg BT 369.63 664.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 397.58 664.10 Td (will ) Tj ET Q q 0 0 0 rg BT 414.99 664.10 Td (create ) Tj ET Q q 0 0 0 rg BT 440.71 664.10 Td (and ) Tj ET Q q 0 0 0 rg BT 457.01 664.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 493.86 664.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 532.37 664.10 Td (loyalty) Tj ET Q q 0 0 0 rg BT 559.49 664.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 85.49 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 100.45 652.10 Td (number ) Tj ET Q q 0 0 0 rg BT 133.74 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 144.80 652.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 188.09 652.10 Td (that ) Tj ET Q q 0 0 0 rg BT 205.83 652.10 Td (shop ) Tj ET Q q 0 0 0 rg BT 227.46 652.10 Td (in ) Tj ET Q q 0 0 0 rg BT 237.97 652.10 Td (our ) Tj ET Q q 0 0 0 rg BT 254.04 652.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 280.11 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 297.29 652.10 Td (on ) Tj ET Q q 0 0 0 rg BT 310.03 652.10 Td (our ) Tj ET Q q 0 0 0 rg BT 326.10 652.10 Td (website ) Tj ET Q q 0 0 0 rg BT 359.38 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 376.56 652.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 412.06 652.10 Td (sales.) Tj ET Q q 0 0 0 rg BT 436.31 652.10 Td (W) Tj ET Q q 0 0 0 rg BT 444.95 652.10 Td (e ) Tj ET Q q 0 0 0 rg BT 452.13 652.10 Td (employ ) Tj ET Q q 0 0 0 rg BT 484.86 652.10 Td (a ) Tj ET Q q 0 0 0 rg BT 492.04 652.10 Td (multi-touch ) Tj ET Q q 0 0 0 rg BT 541.44 652.10 Td (point ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (approach ) Tj ET Q q 0 0 0 rg BT 87.97 640.10 Td (utilizing ) Tj ET Q q 0 0 0 rg BT 122.63 640.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 146.72 640.10 Td (mail, ) Tj ET Q q 0 0 0 rg BT 168.32 640.10 Td (television, ) Tj ET Q q 0 0 0 rg BT 211.03 640.10 Td (newspaper) Tj ET Q q 0 0 0 rg BT 253.39 640.10 Td (, ) Tj ET Q q 0 0 0 rg BT 257.22 640.10 Td (digital, ) Tj ET Q q 0 0 0 rg BT 286.59 640.10 Td (radio ) Tj ET Q q 0 0 0 rg BT 308.47 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 324.23 640.10 Td (out-of-home ) Tj ET Q q 0 0 0 rg BT 375.55 640.10 Td (tar) Tj ET Q q 0 0 0 rg BT 385.91 640.10 Td (geted ) Tj ET Q q 0 0 0 rg BT 408.90 640.10 Td (advertising. ) Tj ET Q q 0 0 0 rg BT 457.16 640.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 474.04 640.10 Td (promotional ) Tj ET Q q 0 0 0 rg BT 524.24 640.10 Td (programs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (include ) Tj ET Q q 0 0 0 rg BT 81.57 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 95.93 628.10 Td (use ) Tj ET Q q 0 0 0 rg BT 111.40 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 121.87 628.10 Td (free ) Tj ET Q q 0 0 0 rg BT 139.55 628.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 174.45 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 191.03 628.10 Td (free ) Tj ET Q q 0 0 0 rg BT 208.71 628.10 Td (product ) Tj ET Q q 0 0 0 rg BT 241.40 628.10 Td (promotions, ) Tj ET Q q 0 0 0 rg BT 291.59 628.10 Td (in ) Tj ET Q q 0 0 0 rg BT 301.51 628.10 Td (conjunction ) Tj ET Q q 0 0 0 rg BT 350.86 628.10 Td (with ) Tj ET Q q 0 0 0 rg BT 370.78 628.10 Td (product ) Tj ET Q q 0 0 0 rg BT 403.47 628.10 Td (discounts ) Tj ET Q q 0 0 0 rg BT 443.39 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 459.96 628.10 Td (various ) Tj ET Q q 0 0 0 rg BT 491.54 628.10 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 536.45 628.10 Td (option ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 90.26 616.10 Td (of) Tj ET Q q 0 0 0 rg BT 98.41 616.10 Td (fers. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.37 598.10 Td (website ) Tj ET Q q 0 0 0 rg BT 101.73 598.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 138.98 598.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 182.34 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 197.38 598.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 225.74 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 236.34 598.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 261.37 598.10 Td (for ) Tj ET Q q 0 0 0 rg BT 275.84 598.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 301.42 598.10 Td (online ) Tj ET Q q 0 0 0 rg BT 329.23 598.10 Td (for ) Tj ET Q q 0 0 0 rg BT 343.71 598.10 Td (in-store ) Tj ET Q q 0 0 0 rg BT 377.07 598.10 Td (purchases. ) Tj ET Q q 0 0 0 rg BT 421.81 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 424.63 598.10 Td (Customers ) Tj ET Q q 0 0 0 rg BT 470.22 598.10 Td (also ) Tj ET Q q 0 0 0 rg BT 489.14 598.10 Td (have ) Tj ET Q q 0 0 0 rg BT 510.83 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 525.87 598.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 554.23 598.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 87.48 586.10 Td (products ) Tj ET Q q 0 0 0 rg BT 123.86 586.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 156.34 586.10 Td (through ) Tj ET Q q 0 0 0 rg BT 189.39 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 204.66 586.10 Td (website. ) Tj ET Q q 0 0 0 rg BT 239.64 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 241.58 586.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 259.07 586.10 Td (website ) Tj ET Q q 0 0 0 rg BT 291.56 586.10 Td (averaged ) Tj ET Q q 0 0 0 rg BT 329.58 586.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 389.28 586.10 Td (57,000) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 1 1 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 416.78369140625 584.7669921875 m 418.7236328125 584.7669921875 l s q 1 1 1 rg BT 416.78 586.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 418.72 586.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 443.43 586.10 Td (applications ) Tj ET Q q 0 0 0 rg BT 493.69 586.10 Td (per ) Tj ET Q q 0 0 0 rg BT 508.40 586.10 Td (month ) Tj ET Q q 0 0 0 rg BT 535.89 586.10 Td (during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 74.19 574.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.94 574.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.94 574.10 Td (. ) Tj ET Q q 0 0 0 rg BT 118.80 574.10 Td (This ) Tj ET Q q 0 0 0 rg BT 139.11 574.10 Td (compares ) Tj ET Q q 0 0 0 rg BT 179.97 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 190.29 574.10 Td (average ) Tj ET Q q 0 0 0 rg BT 223.91 574.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 259.78 574.10 Td (website ) Tj ET Q q 0 0 0 rg BT 292.87 574.10 Td (applications ) Tj ET Q q 0 0 0 rg BT 343.73 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 354.60 574.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 414.89 574.10 Td (53,000 ) Tj ET Q q 0 0 0 rg BT 444.93 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 461.91 574.10 Td (41,000 ) Tj ET Q q 0 0 0 rg BT 491.95 574.10 Td (during ) Tj ET Q q 0 0 0 rg BT 520.60 574.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 544.79 574.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 562.10 Td ( ) Tj ET Q q 0 0 0 rg BT 72.26 562.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.96 562.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.96 562.10 Td (, ) Tj ET Q q 0 0 0 rg BT 113.73 562.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 161.39 562.10 Td (. ) Tj ET Q q 0 0 0 rg BT 165.99 562.10 Td (The ) Tj ET Q q 0 0 0 rg BT 183.80 562.10 Td (website ) Tj ET Q q 0 0 0 rg BT 216.61 562.10 Td (is ) Tj ET Q q 0 0 0 rg BT 225.54 562.10 Td (supported ) Tj ET Q q 0 0 0 rg BT 267.24 562.10 Td (by ) Tj ET Q q 0 0 0 rg BT 279.51 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 286.21 562.10 Td (call ) Tj ET Q q 0 0 0 rg BT 302.91 562.10 Td (center) Tj ET Q q 0 0 0 rg BT 326.93 562.10 Td (, ) Tj ET Q q 0 0 0 rg BT 331.69 562.10 Td (allowing ) Tj ET Q q 0 0 0 rg BT 368.95 562.10 Td (us ) Tj ET Q q 0 0 0 rg BT 380.10 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 390.15 562.10 Td (better ) Tj ET Q q 0 0 0 rg BT 415.17 562.10 Td (assist ) Tj ET Q q 0 0 0 rg BT 439.11 562.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 481.92 562.10 Td (with ) Tj ET Q q 0 0 0 rg BT 501.96 562.10 Td (their ) Tj ET Q q 0 0 0 rg BT 522.55 562.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 547.57 562.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (product ) Tj ET Q q 0 0 0 rg BT 83.05 550.10 Td (needs.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (Distribution ) Tj ET Q q 0 0 0 rg BT 104.73 532.10 Td (and ) Tj ET Q q 0 0 0 rg BT 123.35 532.10 Td (Inventory ) Tj ET Q q 0 0 0 rg BT 168.08 532.10 Td (Management) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 514.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.18 514.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 103.38 514.10 Td (operate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.90 514.10 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.90 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 147.01 514.10 Td (regional ) Tj ET Q q 0 0 0 rg BT 181.88 514.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 230.09 514.10 Td (centers, ) Tj ET Q q 0 0 0 rg BT 263.01 514.10 Td (which ) Tj ET Q q 0 0 0 rg BT 289.55 514.10 Td (are ) Tj ET Q q 0 0 0 rg BT 303.86 514.10 Td (located ) Tj ET Q q 0 0 0 rg BT 334.84 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 344.72 514.10 Td (Houston, ) Tj ET Q q 0 0 0 rg BT 383.22 514.10 Td (San ) Tj ET Q q 0 0 0 rg BT 399.85 514.10 Td (Antonio, ) Tj ET Q q 0 0 0 rg BT 437.24 514.10 Td (Dallas, ) Tj ET Q q 0 0 0 rg BT 467.39 514.10 Td (Beaumont, ) Tj ET Q q 0 0 0 rg BT 513.09 514.10 Td (El ) Tj ET Q q 0 0 0 rg BT 524.08 514.10 Td (Paso, ) Tj ET Q q 0 0 0 rg BT 547.58 514.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (McAllen, ) Tj ET Q q 0 0 0 rg BT 90.96 502.10 Td (T) Tj ET Q q 0 0 0 rg BT 96.37 502.10 Td (exas; ) Tj ET Q q 0 0 0 rg BT 120.06 502.10 Td (Phoenix, ) Tj ET Q q 0 0 0 rg BT 157.79 502.10 Td (Arizona; ) Tj ET Q q 0 0 0 rg BT 195.92 502.10 Td (Denver) Tj ET Q q 0 0 0 rg BT 224.94 502.10 Td (, ) Tj ET Q q 0 0 0 rg BT 230.59 502.10 Td (Colorado; ) Tj ET Q q 0 0 0 rg BT 273.72 502.10 Td (Charlotte, ) Tj ET Q q 0 0 0 rg BT 316.58 502.10 Td (North ) Tj ET Q q 0 0 0 rg BT 343.05 502.10 Td (Carolina ) Tj ET Q q 0 0 0 rg BT 380.63 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 398.21 502.10 Td (Nashville, ) Tj ET Q q 0 0 0 rg BT 441.95 502.10 Td (T) Tj ET Q q 0 0 0 rg BT 447.36 502.10 Td (ennessee, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.54 502.10 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.97 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 506.12 502.10 Td (service ) Tj ET Q q 0 0 0 rg BT 537.57 502.10 Td (center ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (located ) Tj ET Q q 0 0 0 rg BT 82.13 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 93.16 490.10 Td (Houston, ) Tj ET Q q 0 0 0 rg BT 132.57 490.10 Td (T) Tj ET Q q 0 0 0 rg BT 137.98 490.10 Td (exas, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.50 490.10 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.50 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 174.76 490.10 Td (smaller ) Tj ET Q q 0 0 0 rg BT 207.45 490.10 Td (cross-dock ) Tj ET Q q 0 0 0 rg BT 254.02 490.10 Td (facilities ) Tj ET Q q 0 0 0 rg BT 291.70 490.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.40 490.10 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.40 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 322.65 490.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 349.23 490.10 Td (with ) Tj ET Q q 0 0 0 rg BT 370.27 490.10 Td (cross-dock ) Tj ET Q q 0 0 0 rg BT 416.84 490.10 Td (facilities. ) Tj ET Q q 0 0 0 rg BT 456.79 490.10 Td (This ) Tj ET Q q 0 0 0 rg BT 477.82 490.10 Td (enables ) Tj ET Q q 0 0 0 rg BT 511.06 490.10 Td (us ) Tj ET Q q 0 0 0 rg BT 523.21 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 534.24 490.10 Td (deliver ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (products ) Tj ET Q q 0 0 0 rg BT 86.99 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 97.32 478.10 Td (our ) Tj ET Q q 0 0 0 rg BT 113.21 478.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 156.31 478.10 Td (quickly) Tj ET Q q 0 0 0 rg BT 185.65 478.10 Td (, ) Tj ET Q q 0 0 0 rg BT 190.71 478.10 Td (reduces ) Tj ET Q q 0 0 0 rg BT 223.80 478.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 264.68 478.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 319.43 478.10 Td (at ) Tj ET Q q 0 0 0 rg BT 329.20 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.97 478.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 387.08 478.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 412.96 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 429.96 478.10 Td (facilitates ) Tj ET Q q 0 0 0 rg BT 471.38 478.10 Td (regional ) Tj ET Q q 0 0 0 rg BT 506.69 478.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 547.57 478.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 96.37 466.10 Td (controls.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.71 448.10 Td (our ) Tj ET Q q 0 0 0 rg BT 76.43 448.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 99.35 448.10 Td (stores, ) Tj ET Q q 0 0 0 rg BT 127.56 448.10 Td (we ) Tj ET Q q 0 0 0 rg BT 141.61 448.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 178.98 448.10 Td (an ) Tj ET Q q 0 0 0 rg BT 190.80 448.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 231.51 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 242.22 448.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 271.81 448.10 Td (fast-moving ) Tj ET Q q 0 0 0 rg BT 322.51 448.10 Td (items ) Tj ET Q q 0 0 0 rg BT 346.56 448.10 Td (and ) Tj ET Q q 0 0 0 rg BT 363.38 448.10 Td (products ) Tj ET Q q 0 0 0 rg BT 400.21 448.10 Td (that ) Tj ET Q q 0 0 0 rg BT 417.58 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 432.18 448.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 471.22 448.10 Td (is ) Tj ET Q q 0 0 0 rg BT 480.27 448.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 505.43 448.10 Td (to ) Tj ET Q q 0 0 0 rg BT 515.59 448.10 Td (carry ) Tj ET Q q 0 0 0 rg BT 538.51 448.10 Td (out ) Tj ET Q q 0 0 0 rg BT 553.67 448.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.02 436.10 Td (store. ) Tj ET Q q 0 0 0 rg BT 89.76 436.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 108.11 436.10 Td (computer ) Tj ET Q q 0 0 0 rg BT 148.67 436.10 Td (system ) Tj ET Q q 0 0 0 rg BT 179.25 436.10 Td (and ) Tj ET Q q 0 0 0 rg BT 196.49 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 211.51 436.10 Td (use ) Tj ET Q q 0 0 0 rg BT 227.64 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 238.77 436.10 Td (scanning ) Tj ET Q q 0 0 0 rg BT 277.11 436.10 Td (technology ) Tj ET Q q 0 0 0 rg BT 324.35 436.10 Td (in ) Tj ET Q q 0 0 0 rg BT 334.93 436.10 Td (our ) Tj ET Q q 0 0 0 rg BT 351.06 436.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 399.97 436.10 Td (centers ) Tj ET Q q 0 0 0 rg BT 431.09 436.10 Td (allow ) Tj ET Q q 0 0 0 rg BT 456.10 436.10 Td (us ) Tj ET Q q 0 0 0 rg BT 467.80 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 478.37 436.10 Td (determine, ) Tj ET Q q 0 0 0 rg BT 523.65 436.10 Td (on ) Tj ET Q q 0 0 0 rg BT 536.46 436.10 Td (a ) Tj ET Q q 0 0 0 rg BT 543.69 436.10 Td (real-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (time ) Tj ET Q q 0 0 0 rg BT 70.50 424.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 95.72 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 110.66 424.10 Td (location ) Tj ET Q q 0 0 0 rg BT 145.60 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 156.66 424.10 Td (any ) Tj ET Q q 0 0 0 rg BT 173.82 424.10 Td (product ) Tj ET Q q 0 0 0 rg BT 207.09 424.10 Td (we ) Tj ET Q q 0 0 0 rg BT 221.47 424.10 Td (sell. ) Tj ET Q q 0 0 0 rg BT 240.59 424.10 Td (If ) Tj ET Q q 0 0 0 rg BT 249.97 424.10 Td (we ) Tj ET Q q 0 0 0 rg BT 264.36 424.10 Td (do ) Tj ET Q q 0 0 0 rg BT 277.08 424.10 Td (not ) Tj ET Q q 0 0 0 rg BT 292.58 424.10 Td (have ) Tj ET Q q 0 0 0 rg BT 314.18 424.10 Td (a ) Tj ET Q q 0 0 0 rg BT 321.35 424.10 Td (product ) Tj ET Q q 0 0 0 rg BT 354.62 424.10 Td (at ) Tj ET Q q 0 0 0 rg BT 364.56 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 379.50 424.10 Td (desired ) Tj ET Q q 0 0 0 rg BT 411.10 424.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 434.37 424.10 Td (store ) Tj ET Q q 0 0 0 rg BT 456.53 424.10 Td (at ) Tj ET Q q 0 0 0 rg BT 466.47 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 481.42 424.10 Td (time ) Tj ET Q q 0 0 0 rg BT 501.91 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 512.97 424.10 Td (sale, ) Tj ET Q q 0 0 0 rg BT 533.74 424.10 Td (we ) Tj ET Q q 0 0 0 rg BT 548.13 424.10 Td (can ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 87.49 412.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 120.54 412.10 Td (it ) Tj ET Q q 0 0 0 rg BT 128.59 412.10 Td (through ) Tj ET Q q 0 0 0 rg BT 162.20 412.10 Td (one ) Tj ET Q q 0 0 0 rg BT 179.14 412.10 Td (of ) Tj ET Q q 0 0 0 rg BT 189.97 412.10 Td (our ) Tj ET Q q 0 0 0 rg BT 205.80 412.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 254.41 412.10 Td (centers ) Tj ET Q q 0 0 0 rg BT 285.23 412.10 Td (on ) Tj ET Q q 0 0 0 rg BT 297.73 412.10 Td (a ) Tj ET Q q 0 0 0 rg BT 304.67 412.10 Td (next ) Tj ET Q q 0 0 0 rg BT 324.38 412.10 Td (day ) Tj ET Q q 0 0 0 rg BT 341.32 412.10 Td (basis.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 394.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.03 394.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 104.20 394.10 Td (use ) Tj ET Q q 0 0 0 rg BT 119.48 394.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 164.20 394.10 Td (providers ) Tj ET Q q 0 0 0 rg BT 203.92 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 213.66 394.10 Td (move ) Tj ET Q q 0 0 0 rg BT 237.83 394.10 Td (products ) Tj ET Q q 0 0 0 rg BT 274.22 394.10 Td (from ) Tj ET Q q 0 0 0 rg BT 295.61 394.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 343.68 394.10 Td (centers ) Tj ET Q q 0 0 0 rg BT 373.95 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 383.68 394.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 408.97 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 425.36 394.10 Td (between ) Tj ET Q q 0 0 0 rg BT 460.63 394.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 494.24 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 503.98 394.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 525.36 394.10 Td (customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (needs. ) Tj ET Q q 0 0 0 rg BT 77.94 382.10 Td (W) Tj ET Q q 0 0 0 rg BT 86.58 382.10 Td (e ) Tj ET Q q 0 0 0 rg BT 93.90 382.10 Td (outsource ) Tj ET Q q 0 0 0 rg BT 135.66 382.10 Td (our ) Tj ET Q q 0 0 0 rg BT 151.87 382.10 Td (in-home ) Tj ET Q q 0 0 0 rg BT 188.07 382.10 Td (deliveries ) Tj ET Q q 0 0 0 rg BT 229.83 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 240.49 382.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 286.13 382.10 Td (providers, ) Tj ET Q q 0 0 0 rg BT 329.28 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 346.60 382.10 Td (for ) Tj ET Q q 0 0 0 rg BT 361.14 382.10 Td (most ) Tj ET Q q 0 0 0 rg BT 383.47 382.10 Td (purchases, ) Tj ET Q q 0 0 0 rg BT 428.28 382.10 Td (we ) Tj ET Q q 0 0 0 rg BT 442.82 382.10 Td (of) Tj ET Q q 0 0 0 rg BT 450.97 382.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 464.95 382.10 Td (next ) Tj ET Q q 0 0 0 rg BT 485.05 382.10 Td (day ) Tj ET Q q 0 0 0 rg BT 502.37 382.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 538.01 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 548.67 382.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 95.89 370.10 Td ( ) Tj ET Q q 0 0 0 rg BT 98.52 370.10 Td (These ) Tj ET Q q 0 0 0 rg BT 125.24 370.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 170.84 370.10 Td (providers ) Tj ET Q q 0 0 0 rg BT 211.45 370.10 Td (use ) Tj ET Q q 0 0 0 rg BT 227.62 370.10 Td (a ) Tj ET Q q 0 0 0 rg BT 234.90 370.10 Td (fleet ) Tj ET Q q 0 0 0 rg BT 255.50 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.67 370.10 Td (home ) Tj ET Q q 0 0 0 rg BT 291.72 370.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 327.33 370.10 Td (vehicles ) Tj ET Q q 0 0 0 rg BT 362.93 370.10 Td (that ) Tj ET Q q 0 0 0 rg BT 380.76 370.10 Td (enables ) Tj ET Q q 0 0 0 rg BT 413.59 370.10 Td (a ) Tj ET Q q 0 0 0 rg BT 420.87 370.10 Td (highly-trained ) Tj ET Q q 0 0 0 rg BT 480.36 370.10 Td (staf) Tj ET Q q 0 0 0 rg BT 494.61 370.10 Td (f ) Tj ET Q q 0 0 0 rg BT 500.78 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 511.95 370.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 547.56 370.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (installation ) Tj ET Q q 0 0 0 rg BT 97.29 358.10 Td (specialists ) Tj ET Q q 0 0 0 rg BT 141.24 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 151.86 358.10 Td (quickly ) Tj ET Q q 0 0 0 rg BT 184.71 358.10 Td (complete ) Tj ET Q q 0 0 0 rg BT 224.21 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 239.27 358.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 261.56 358.10 Td (process ) Tj ET Q q 0 0 0 rg BT 294.40 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 311.68 358.10 Td (enhance ) Tj ET Q q 0 0 0 rg BT 347.29 358.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 386.79 358.10 Td (service. ) Tj ET Q q 0 0 0 rg BT 420.25 358.10 Td (W) Tj ET Q q 0 0 0 rg BT 428.88 358.10 Td (e ) Tj ET Q q 0 0 0 rg BT 436.17 358.10 Td (also ) Tj ET Q q 0 0 0 rg BT 455.13 358.10 Td (may ) Tj ET Q q 0 0 0 rg BT 475.19 358.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 506.90 358.10 Td (a ) Tj ET Q q 0 0 0 rg BT 514.19 358.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 549.80 358.10 Td (fee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (based ) Tj ET Q q 0 0 0 rg BT 75.27 346.10 Td (on ) Tj ET Q q 0 0 0 rg BT 87.77 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 102.49 346.10 Td (products ) Tj ET Q q 0 0 0 rg BT 139.42 346.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 158.59 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 175.53 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.25 346.10 Td (services ) Tj ET Q q 0 0 0 rg BT 224.96 346.10 Td (needed ) Tj ET Q q 0 0 0 rg BT 255.77 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 266.05 346.10 Td (complete ) Tj ET Q q 0 0 0 rg BT 305.20 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 319.92 346.10 Td (delivery) Tj ET Q q 0 0 0 rg BT 352.03 346.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 60.37 328.10 Td (oduct ) Tj ET Q q 0 0 0 rg BT 86.76 328.10 Td (Support ) Tj ET Q q 0 0 0 rg BT 124.27 328.10 Td (Services) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (Next-day ) Tj ET Q q 0 0 0 rg BT 90.12 310.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 125.24 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 143.72 310.10 Td (installation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.41 310.10 Td (W) Tj ET Q q 0 0 0 rg BT 204.05 310.10 Td (e ) Tj ET Q q 0 0 0 rg BT 211.40 310.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 244.87 310.10 Td (next-day ) Tj ET Q q 0 0 0 rg BT 282.77 310.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 318.45 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 335.81 310.10 Td (installation ) Tj ET Q q 0 0 0 rg BT 383.16 310.10 Td (services ) Tj ET Q q 0 0 0 rg BT 418.29 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 428.98 310.10 Td (most ) Tj ET Q q 0 0 0 rg BT 451.35 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 462.60 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 477.73 310.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 512.30 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 523.00 310.10 Td (which ) Tj ET Q q 0 0 0 rg BT 550.35 310.10 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (operate. ) Tj ET Q q 0 0 0 rg BT 84.24 298.10 Td (W) Tj ET Q q 0 0 0 rg BT 92.88 298.10 Td (e ) Tj ET Q q 0 0 0 rg BT 99.82 298.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 131.19 298.10 Td (next-day ) Tj ET Q q 0 0 0 rg BT 168.68 298.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 203.94 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 214.77 298.10 Td (our ) Tj ET Q q 0 0 0 rg BT 230.60 298.10 Td (goods ) Tj ET Q q 0 0 0 rg BT 256.99 298.10 Td (is ) Tj ET Q q 0 0 0 rg BT 266.16 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 273.10 298.10 Td (highly ) Tj ET Q q 0 0 0 rg BT 301.16 298.10 Td (valued ) Tj ET Q q 0 0 0 rg BT 330.31 298.10 Td (service ) Tj ET Q q 0 0 0 rg BT 361.13 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 371.41 298.10 Td (our ) Tj ET Q q 0 0 0 rg BT 387.24 298.10 Td (customers.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 77.44 280.10 Td (insurance.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.56 280.10 Td (Acting ) Tj ET Q q 0 0 0 rg BT 152.66 280.10 Td (as ) Tj ET Q q 0 0 0 rg BT 162.87 280.10 Td (licensed ) Tj ET Q q 0 0 0 rg BT 197.52 280.10 Td (agents ) Tj ET Q q 0 0 0 rg BT 224.95 280.10 Td (for ) Tj ET Q q 0 0 0 rg BT 238.49 280.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 283.14 280.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 323.33 280.10 Td (companies, ) Tj ET Q q 0 0 0 rg BT 370.48 280.10 Td (we ) Tj ET Q q 0 0 0 rg BT 384.02 280.10 Td (of) Tj ET Q q 0 0 0 rg BT 392.17 280.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 405.15 280.10 Td (property) Tj ET Q q 0 0 0 rg BT 438.38 280.10 Td (, ) Tj ET Q q 0 0 0 rg BT 442.76 280.10 Td (life, ) Tj ET Q q 0 0 0 rg BT 460.47 280.10 Td (disability ) Tj ET Q q 0 0 0 rg BT 499.58 280.10 Td (and ) Tj ET Q q 0 0 0 rg BT 515.90 280.10 Td (involuntary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (unemployment ) Tj ET Q q 0 0 0 rg BT 112.62 268.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 138.01 268.10 Td (insurance, ) Tj ET Q q 0 0 0 rg BT 181.46 268.10 Td (which ) Tj ET Q q 0 0 0 rg BT 208.53 268.10 Td (we ) Tj ET Q q 0 0 0 rg BT 222.81 268.10 Td (collectively ) Tj ET Q q 0 0 0 rg BT 272.09 268.10 Td (refer ) Tj ET Q q 0 0 0 rg BT 293.59 268.10 Td (to ) Tj ET Q q 0 0 0 rg BT 303.99 268.10 Td (as ) Tj ET Q q 0 0 0 rg BT 314.95 268.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 340.35 268.10 Td (insurance, ) Tj ET Q q 0 0 0 rg BT 383.79 268.10 Td (at ) Tj ET Q q 0 0 0 rg BT 393.64 268.10 Td (all ) Tj ET Q q 0 0 0 rg BT 406.26 268.10 Td (of ) Tj ET Q q 0 0 0 rg BT 417.22 268.10 Td (our ) Tj ET Q q 0 0 0 rg BT 433.18 268.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 459.14 268.10 Td (on ) Tj ET Q q 0 0 0 rg BT 471.77 268.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 493.84 268.10 Td (financed ) Tj ET Q q 0 0 0 rg BT 530.89 268.10 Td (through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.34 256.10 Td (in-house ) Tj ET Q q 0 0 0 rg BT 101.79 256.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 126.56 256.10 Td (programs. ) Tj ET Q q 0 0 0 rg BT 168.69 256.10 Td (These ) Tj ET Q q 0 0 0 rg BT 194.57 256.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 234.90 256.10 Td (products ) Tj ET Q q 0 0 0 rg BT 271.34 256.10 Td (protect ) Tj ET Q q 0 0 0 rg BT 301.12 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 315.34 256.10 Td (customer's ) Tj ET Q q 0 0 0 rg BT 359.70 256.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 397.24 256.10 Td (by ) Tj ET Q q 0 0 0 rg BT 409.25 256.10 Td (covering ) Tj ET Q q 0 0 0 rg BT 446.25 256.10 Td (their ) Tj ET Q q 0 0 0 rg BT 466.58 256.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 506.91 256.10 Td (on ) Tj ET Q q 0 0 0 rg BT 518.92 256.10 Td (their ) Tj ET Q q 0 0 0 rg BT 539.25 256.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (account ) Tj ET Q q 0 0 0 rg BT 83.72 244.10 Td (if ) Tj ET Q q 0 0 0 rg BT 92.45 244.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 126.72 244.10 Td (events ) Tj ET Q q 0 0 0 rg BT 154.89 244.10 Td (occur) Tj ET Q q 0 0 0 rg BT 176.55 244.10 Td (. ) Tj ET Q q 0 0 0 rg BT 181.67 244.10 Td ( ) Tj ET Q q 0 0 0 rg BT 184.30 244.10 Td (Property ) Tj ET Q q 0 0 0 rg BT 221.36 244.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 262.30 244.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 305.46 244.10 Td (through ) Tj ET Q q 0 0 0 rg BT 339.19 244.10 Td (us ) Tj ET Q q 0 0 0 rg BT 350.71 244.10 Td (can ) Tj ET Q q 0 0 0 rg BT 367.21 244.10 Td (be ) Tj ET Q q 0 0 0 rg BT 379.27 244.10 Td (canceled ) Tj ET Q q 0 0 0 rg BT 416.87 244.10 Td (at ) Tj ET Q q 0 0 0 rg BT 426.71 244.10 Td (any ) Tj ET Q q 0 0 0 rg BT 443.77 244.10 Td (time ) Tj ET Q q 0 0 0 rg BT 464.17 244.10 Td (with ) Tj ET Q q 0 0 0 rg BT 484.58 244.10 Td (proof ) Tj ET Q q 0 0 0 rg BT 508.86 244.10 Td (of ) Tj ET Q q 0 0 0 rg BT 519.81 244.10 Td (alternative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (coverage. ) Tj ET Q q 0 0 0 rg BT 90.97 232.10 Td ( ) Tj ET Q q 0 0 0 rg BT 93.18 232.10 Td (W) Tj ET Q q 0 0 0 rg BT 101.81 232.10 Td (e ) Tj ET Q q 0 0 0 rg BT 108.63 232.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 139.88 232.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 161.70 232.10 Td (commissions ) Tj ET Q q 0 0 0 rg BT 216.31 232.10 Td (from ) Tj ET Q q 0 0 0 rg BT 238.13 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 252.73 232.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 297.87 232.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 338.57 232.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 383.71 232.10 Td (at ) Tj ET Q q 0 0 0 rg BT 393.31 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 407.91 232.10 Td (time ) Tj ET Q q 0 0 0 rg BT 428.07 232.10 Td (we ) Tj ET Q q 0 0 0 rg BT 442.11 232.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 458.38 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 472.98 232.10 Td (coverage, ) Tj ET Q q 0 0 0 rg BT 513.94 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 530.76 232.10 Td (we ) Tj ET Q q 0 0 0 rg BT 544.80 232.10 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 81.76 220.10 Td (retrospective ) Tj ET Q q 0 0 0 rg BT 136.30 220.10 Td (commissions, ) Tj ET Q q 0 0 0 rg BT 193.92 220.10 Td (which ) Tj ET Q q 0 0 0 rg BT 221.26 220.10 Td (are ) Tj ET Q q 0 0 0 rg BT 236.36 220.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 279.25 220.10 Td (commissions ) Tj ET Q q 0 0 0 rg BT 334.37 220.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 354.48 220.10 Td (by ) Tj ET Q q 0 0 0 rg BT 367.38 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.50 220.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 423.71 220.10 Td (carrier ) Tj ET Q q 0 0 0 rg BT 452.69 220.10 Td (if ) Tj ET Q q 0 0 0 rg BT 461.69 220.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 502.91 220.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 531.91 220.10 Td (are ) Tj ET Q q 0 0 0 rg BT 547.01 220.10 Td (less ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (than ) Tj ET Q q 0 0 0 rg BT 69.72 208.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 98.86 208.10 Td (premiums. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 190.10 Td (e ) Tj ET Q q 0 0 0 rg BT 64.92 190.10 Td (require ) Tj ET Q q 0 0 0 rg BT 95.07 190.10 Td (proof ) Tj ET Q q 0 0 0 rg BT 118.57 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 128.75 190.10 Td (property ) Tj ET Q q 0 0 0 rg BT 164.46 190.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 204.62 190.10 Td (on ) Tj ET Q q 0 0 0 rg BT 216.46 190.10 Td (all ) Tj ET Q q 0 0 0 rg BT 228.30 190.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 269.57 190.10 Td (financed ) Tj ET Q q 0 0 0 rg BT 305.83 190.10 Td (through ) Tj ET Q q 0 0 0 rg BT 338.78 190.10 Td (our ) Tj ET Q q 0 0 0 rg BT 353.95 190.10 Td (in-house ) Tj ET Q q 0 0 0 rg BT 390.23 190.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 414.83 190.10 Td (of) Tj ET Q q 0 0 0 rg BT 422.98 190.10 Td (ferings; ) Tj ET Q q 0 0 0 rg BT 455.37 190.10 Td (however) Tj ET Q q 0 0 0 rg BT 489.40 190.10 Td (, ) Tj ET Q q 0 0 0 rg BT 493.74 190.10 Td (we ) Tj ET Q q 0 0 0 rg BT 507.24 190.10 Td (do ) Tj ET Q q 0 0 0 rg BT 519.08 190.10 Td (not ) Tj ET Q q 0 0 0 rg BT 533.70 190.10 Td (require ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (that ) Tj ET Q q 0 0 0 rg BT 66.92 178.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 109.39 178.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 146.85 178.10 Td (this ) Tj ET Q q 0 0 0 rg BT 163.23 178.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 203.47 178.10 Td (from ) Tj ET Q q 0 0 0 rg BT 224.83 178.10 Td (us ) Tj ET Q q 0 0 0 rg BT 235.65 178.10 Td (if ) Tj ET Q q 0 0 0 rg BT 243.68 178.10 Td (they ) Tj ET Q q 0 0 0 rg BT 262.83 178.10 Td (have ) Tj ET Q q 0 0 0 rg BT 283.63 178.10 Td (or ) Tj ET Q q 0 0 0 rg BT 293.88 178.10 Td (acquire ) Tj ET Q q 0 0 0 rg BT 325.23 178.10 Td (such ) Tj ET Q q 0 0 0 rg BT 345.49 178.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 385.73 178.10 Td (from ) Tj ET Q q 0 0 0 rg BT 407.09 178.10 Td (another ) Tj ET Q q 0 0 0 rg BT 439.00 178.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 483.69 178.10 Td (provider) Tj ET Q q 0 0 0 rg BT 517.02 178.10 Td (. ) Tj ET Q q 0 0 0 rg BT 521.44 178.10 Td (Premiums ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (char) Tj ET Q q 0 0 0 rg BT 67.03 166.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 83.96 166.10 Td (on ) Tj ET Q q 0 0 0 rg BT 96.46 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 111.18 166.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 136.45 166.10 Td (products ) Tj ET Q q 0 0 0 rg BT 173.38 166.10 Td (we ) Tj ET Q q 0 0 0 rg BT 187.54 166.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 203.93 166.10 Td (are ) Tj ET Q q 0 0 0 rg BT 218.64 166.10 Td (regulated ) Tj ET Q q 0 0 0 rg BT 258.34 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 275.28 166.10 Td (vary ) Tj ET Q q 0 0 0 rg BT 295.55 166.10 Td (by ) Tj ET Q q 0 0 0 rg BT 308.05 166.10 Td (state.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (Product ) Tj ET Q q 0 0 0 rg BT 86.06 148.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 114.35 148.10 Td (service.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.66 148.10 Td (W) Tj ET Q q 0 0 0 rg BT 156.30 148.10 Td (e ) Tj ET Q q 0 0 0 rg BT 164.03 148.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 196.18 148.10 Td (that ) Tj ET Q q 0 0 0 rg BT 214.46 148.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 256.63 148.10 Td (product ) Tj ET Q q 0 0 0 rg BT 290.47 148.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 317.07 148.10 Td (and ) Tj ET Q q 0 0 0 rg BT 334.79 148.10 Td (replacement ) Tj ET Q q 0 0 0 rg BT 386.93 148.10 Td (services ) Tj ET Q q 0 0 0 rg BT 422.43 148.10 Td (is ) Tj ET Q q 0 0 0 rg BT 432.38 148.10 Td (an ) Tj ET Q q 0 0 0 rg BT 445.10 148.10 Td (important ) Tj ET Q q 0 0 0 rg BT 487.27 148.10 Td (dif) Tj ET Q q 0 0 0 rg BT 498.20 148.10 Td (ferentiation ) Tj ET Q q 0 0 0 rg BT 547.57 148.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (reinforces ) Tj ET Q q 0 0 0 rg BT 92.40 136.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 131.48 136.10 Td (loyalty) Tj ET Q q 0 0 0 rg BT 158.61 136.10 Td (. ) Tj ET Q q 0 0 0 rg BT 163.53 136.10 Td ( ) Tj ET Q q 0 0 0 rg BT 165.78 136.10 Td (W) Tj ET Q q 0 0 0 rg BT 174.42 136.10 Td (e ) Tj ET Q q 0 0 0 rg BT 181.28 136.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 214.26 136.10 Td (in-home ) Tj ET Q q 0 0 0 rg BT 250.01 136.10 Td (and ) Tj ET Q q 0 0 0 rg BT 266.87 136.10 Td (shop ) Tj ET Q q 0 0 0 rg BT 288.19 136.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 313.93 136.10 Td (services ) Tj ET Q q 0 0 0 rg BT 348.56 136.10 Td (for ) Tj ET Q q 0 0 0 rg BT 362.65 136.10 Td (most ) Tj ET Q q 0 0 0 rg BT 384.52 136.10 Td (of ) Tj ET Q q 0 0 0 rg BT 395.28 136.10 Td (the ) Tj ET Q q 0 0 0 rg BT 409.92 136.10 Td (products ) Tj ET Q q 0 0 0 rg BT 446.79 136.10 Td (we ) Tj ET Q q 0 0 0 rg BT 460.87 136.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 477.19 136.10 Td (and ) Tj ET Q q 0 0 0 rg BT 494.05 136.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 533.69 136.10 Td (service ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (products ) Tj ET Q q 0 0 0 rg BT 87.24 124.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 130.58 124.10 Td (from ) Tj ET Q q 0 0 0 rg BT 152.83 124.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 167.02 124.10 Td ( ) Tj ET Q q 0 0 0 rg BT 169.83 124.10 Td (Customers ) Tj ET Q q 0 0 0 rg BT 215.41 124.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 241.53 124.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 267.10 124.10 Td (are ) Tj ET Q q 0 0 0 rg BT 282.11 124.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 322.13 124.10 Td (serviced ) Tj ET Q q 0 0 0 rg BT 358.25 124.10 Td (with ) Tj ET Q q 0 0 0 rg BT 378.83 124.10 Td (an ) Tj ET Q q 0 0 0 rg BT 391.07 124.10 Td (employee-based ) Tj ET Q q 0 0 0 rg BT 458.85 124.10 Td (technician ) Tj ET Q q 0 0 0 rg BT 502.74 124.10 Td (workforce. ) Tj ET Q q 0 0 0 rg BT 548.93 124.10 Td (W) Tj ET Q q 0 0 0 rg BT 557.57 124.10 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 81.37 112.10 Td (this ) Tj ET Q q 0 0 0 rg BT 98.32 112.10 Td (staf) Tj ET Q q 0 0 0 rg BT 112.58 112.10 Td (fing ) Tj ET Q q 0 0 0 rg BT 131.19 112.10 Td (model ) Tj ET Q q 0 0 0 rg BT 158.68 112.10 Td (allows ) Tj ET Q q 0 0 0 rg BT 187.29 112.10 Td (us ) Tj ET Q q 0 0 0 rg BT 198.68 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 208.96 112.10 Td (control ) Tj ET Q q 0 0 0 rg BT 239.79 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.50 112.10 Td (post-sale ) Tj ET Q q 0 0 0 rg BT 292.55 112.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 331.70 112.10 Td (service ) Tj ET Q q 0 0 0 rg BT 362.52 112.10 Td (experience. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (Repair ) Tj ET Q q 0 0 0 rg BT 80.29 94.10 Td (service ) Tj ET Q q 0 0 0 rg BT 111.12 94.10 Td (agreements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.34 94.10 Td (Customers ) Tj ET Q q 0 0 0 rg BT 208.63 94.10 Td (may ) Tj ET Q q 0 0 0 rg BT 228.36 94.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 266.41 94.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 292.24 94.10 Td (service ) Tj ET Q q 0 0 0 rg BT 323.07 94.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 371.12 94.10 Td (that ) Tj ET Q q 0 0 0 rg BT 388.62 94.10 Td (we ) Tj ET Q q 0 0 0 rg BT 402.80 94.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 419.20 94.10 Td (for ) Tj ET Q q 0 0 0 rg BT 433.37 94.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 478.65 94.10 Td (insurers ) Tj ET Q q 0 0 0 rg BT 512.82 94.10 Td (at ) Tj ET Q q 0 0 0 rg BT 522.55 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 537.28 94.10 Td (time ) Tj ET Q q 0 0 0 rg BT 557.57 94.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (product ) Tj ET Q q 0 0 0 rg BT 83.23 82.10 Td (is ) Tj ET Q q 0 0 0 rg BT 92.58 82.10 Td (purchased. ) Tj ET Q q 0 0 0 rg BT 138.10 82.10 Td (These ) Tj ET Q q 0 0 0 rg BT 164.66 82.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 212.87 82.10 Td (broaden ) Tj ET Q q 0 0 0 rg BT 247.76 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 264.88 82.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 294.22 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 309.11 82.10 Td (period ) Tj ET Q q 0 0 0 rg BT 337.34 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 348.35 82.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 382.68 82.10 Td (manufacturer ) Tj ET Q q 0 0 0 rg BT 438.66 82.10 Td (warranty ) Tj ET Q q 0 0 0 rg BT 476.88 82.10 Td (service ) Tj ET Q q 0 0 0 rg BT 507.87 82.10 Td (for ) Tj ET Q q 0 0 0 rg BT 522.21 82.10 Td (up ) Tj ET Q q 0 0 0 rg BT 534.89 82.10 Td (to ) Tj ET Q q 0 0 0 rg BT 545.35 82.10 Td (four ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (years ) Tj ET Q q 0 0 0 rg BT 73.45 70.10 Td (from ) Tj ET Q q 0 0 0 rg BT 95.24 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 109.81 70.10 Td (date ) Tj ET Q q 0 0 0 rg BT 128.81 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 139.49 70.10 Td (purchase, ) Tj ET Q q 0 0 0 rg BT 179.88 70.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 223.89 70.10 Td (on ) Tj ET Q q 0 0 0 rg BT 236.24 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 250.81 70.10 Td (product, ) Tj ET Q q 0 0 0 rg BT 286.21 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 303.00 70.10 Td (protect ) Tj ET Q q 0 0 0 rg BT 333.11 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 347.68 70.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 386.68 70.10 Td (against ) Tj ET Q q 0 0 0 rg BT 417.36 70.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 443.03 70.10 Td (costs. ) Tj ET Q q 0 0 0 rg BT 467.88 70.10 Td (Customers ) Tj ET Q q 0 0 0 rg BT 513.01 70.10 Td (may ) Tj ET Q q 0 0 0 rg BT 532.58 70.10 Td (finance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 58.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 83.33 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 94.16 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 108.87 58.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 156.90 58.10 Td (along ) Tj ET Q q 0 0 0 rg BT 181.62 58.10 Td (with ) Tj ET Q q 0 0 0 rg BT 201.90 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 216.62 58.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 254.65 58.10 Td (price ) Tj ET Q q 0 0 0 rg BT 277.14 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 287.97 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 302.69 58.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 346.28 58.10 Td (product. ) Tj ET Q endstream endobj 25 0 obj <>] /Rotate 0 /Contents 26 0 R>> endobj 26 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.15 31.60 Td (1) Tj ET Q q 0 0 0 rg BT 305.78 31.60 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 742.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.43 742.10 Td (have ) Tj ET Q q 0 0 0 rg BT 86.66 742.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 125.10 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 145.23 742.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 190.34 742.10 Td (insurers ) Tj ET Q q 0 0 0 rg BT 224.36 742.10 Td (that ) Tj ET Q q 0 0 0 rg BT 241.70 742.10 Td (issue ) Tj ET Q q 0 0 0 rg BT 264.05 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 278.62 742.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 304.30 742.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 329.97 742.10 Td (service ) Tj ET Q q 0 0 0 rg BT 360.63 742.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 408.52 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 418.65 742.10 Td (cover ) Tj ET Q q 0 0 0 rg BT 443.21 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.77 742.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 480.12 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 490.81 742.10 Td (repairs ) Tj ET Q q 0 0 0 rg BT 520.36 742.10 Td (performed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (under ) Tj ET Q q 0 0 0 rg BT 74.46 730.10 Td (these ) Tj ET Q q 0 0 0 rg BT 96.70 730.10 Td (agreements. ) Tj ET Q q 0 0 0 rg BT 146.31 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 163.55 730.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 188.57 730.10 Td (service ) Tj ET Q q 0 0 0 rg BT 218.58 730.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 261.92 730.10 Td (is ) Tj ET Q q 0 0 0 rg BT 270.28 730.10 Td (between ) Tj ET Q q 0 0 0 rg BT 305.29 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 319.20 730.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 357.55 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 373.69 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 387.60 730.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 432.06 730.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 472.06 730.10 Td (company) Tj ET Q q 0 0 0 rg BT 508.07 730.10 Td (, ) Tj ET Q q 0 0 0 rg BT 512.27 730.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 530.90 730.10 Td (through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (our ) Tj ET Q q 0 0 0 rg BT 66.45 718.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 115.10 718.10 Td (with ) Tj ET Q q 0 0 0 rg BT 135.99 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 151.32 718.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 197.20 718.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 238.64 718.10 Td (company) Tj ET Q q 0 0 0 rg BT 274.64 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 280.26 718.10 Td (we ) Tj ET Q q 0 0 0 rg BT 295.04 718.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 328.70 718.10 Td (service ) Tj ET Q q 0 0 0 rg BT 360.13 718.10 Td (when ) Tj ET Q q 0 0 0 rg BT 384.91 718.10 Td (it ) Tj ET Q q 0 0 0 rg BT 393.58 718.10 Td (is ) Tj ET Q q 0 0 0 rg BT 403.37 718.10 Td (needed ) Tj ET Q q 0 0 0 rg BT 434.80 718.10 Td (under ) Tj ET Q q 0 0 0 rg BT 460.69 718.10 Td (each ) Tj ET Q q 0 0 0 rg BT 482.12 718.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 526.88 718.10 Td (sold. ) Tj ET Q q 0 0 0 rg BT 548.94 718.10 Td (W) Tj ET Q q 0 0 0 rg BT 557.57 718.10 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 80.67 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 86.91 706.10 Td (commission ) Tj ET Q q 0 0 0 rg BT 137.05 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 148.85 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 162.87 706.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 180.22 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 190.35 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 204.37 706.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 238.38 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 254.62 706.10 Td (we ) Tj ET Q q 0 0 0 rg BT 268.08 706.10 Td (may ) Tj ET Q q 0 0 0 rg BT 287.10 706.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 317.77 706.10 Td (retrospective ) Tj ET Q q 0 0 0 rg BT 371.21 706.10 Td (commissions, ) Tj ET Q q 0 0 0 rg BT 427.74 706.10 Td (which ) Tj ET Q q 0 0 0 rg BT 453.98 706.10 Td (are ) Tj ET Q q 0 0 0 rg BT 467.99 706.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 509.79 706.10 Td (commissions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 69.01 694.10 Td (by ) Tj ET Q q 0 0 0 rg BT 80.79 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 94.80 694.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 134.90 694.10 Td (carrier ) Tj ET Q q 0 0 0 rg BT 162.78 694.10 Td (over ) Tj ET Q q 0 0 0 rg BT 182.33 694.10 Td (time ) Tj ET Q q 0 0 0 rg BT 201.90 694.10 Td (if ) Tj ET Q q 0 0 0 rg BT 209.79 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 223.80 694.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 241.69 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 251.81 694.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 276.92 694.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 304.81 694.10 Td (are ) Tj ET Q q 0 0 0 rg BT 318.80 694.10 Td (less ) Tj ET Q q 0 0 0 rg BT 335.59 694.10 Td (than ) Tj ET Q q 0 0 0 rg BT 354.60 694.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 383.03 694.10 Td (premiums. ) Tj ET Q q 0 0 0 rg BT 426.92 694.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 476.82 694.10 Td (, ) Tj ET Q q 0 0 0 rg BT 481.11 694.10 Td (we ) Tj ET Q q 0 0 0 rg BT 494.56 694.10 Td (bill ) Tj ET Q q 0 0 0 rg BT 509.68 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.69 694.10 Td (insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (company ) Tj ET Q q 0 0 0 rg BT 89.16 682.10 Td (for ) Tj ET Q q 0 0 0 rg BT 103.32 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 118.03 682.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 136.64 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 147.47 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 162.19 682.10 Td (service ) Tj ET Q q 0 0 0 rg BT 193.00 682.10 Td (work ) Tj ET Q q 0 0 0 rg BT 216.05 682.10 Td (that ) Tj ET Q q 0 0 0 rg BT 233.55 682.10 Td (we ) Tj ET Q q 0 0 0 rg BT 247.71 682.10 Td (perform. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (Regulation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.36 646.10 Td (extension ) Tj ET Q q 0 0 0 rg BT 107.49 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 117.63 646.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 142.20 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 151.79 646.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 196.37 646.10 Td (is ) Tj ET Q q 0 0 0 rg BT 204.85 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 211.09 646.10 Td (highly ) Tj ET Q q 0 0 0 rg BT 238.46 646.10 Td (regulated ) Tj ET Q q 0 0 0 rg BT 277.47 646.10 Td (area ) Tj ET Q q 0 0 0 rg BT 295.93 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 306.06 646.10 Td (our ) Tj ET Q q 0 0 0 rg BT 321.20 646.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 359.40 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 361.21 646.10 Td (Numerous ) Tj ET Q q 0 0 0 rg BT 404.68 646.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 434.25 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 450.49 646.10 Td (state ) Tj ET Q q 0 0 0 rg BT 470.63 646.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 490.77 646.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 521.46 646.10 Td (disclosure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 68.17 634.10 Td (other ) Tj ET Q q 0 0 0 rg BT 92.44 634.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 148.37 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 166.54 634.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 213.04 634.10 Td (on ) Tj ET Q q 0 0 0 rg BT 226.77 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 242.72 634.10 Td (origination, ) Tj ET Q q 0 0 0 rg BT 292.83 634.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 333.21 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 351.38 634.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 405.08 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 417.13 634.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 441.40 634.10 Td (installment ) Tj ET Q q 0 0 0 rg BT 489.57 634.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 508.85 634.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 547.56 634.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 91.33 622.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 114.90 622.10 Td (as ) Tj ET Q q 0 0 0 rg BT 125.69 622.10 Td (well ) Tj ET Q q 0 0 0 rg BT 145.36 622.10 Td (as ) Tj ET Q q 0 0 0 rg BT 156.15 622.10 Td (our ) Tj ET Q q 0 0 0 rg BT 171.94 622.10 Td (acts ) Tj ET Q q 0 0 0 rg BT 189.94 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 206.84 622.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 244.83 622.10 Td (in ) Tj ET Q q 0 0 0 rg BT 255.06 622.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 301.39 622.10 Td (with ) Tj ET Q q 0 0 0 rg BT 321.63 622.10 Td (these ) Tj ET Q q 0 0 0 rg BT 344.63 622.10 Td (activities. ) Tj ET Q q 0 0 0 rg BT 385.69 622.10 Td ( ) Tj ET Q q 0 0 0 rg BT 387.60 622.10 Td (Applicable ) Tj ET Q q 0 0 0 rg BT 433.93 622.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 464.15 622.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 484.93 622.10 Td (include, ) Tj ET Q q 0 0 0 rg BT 519.32 622.10 Td (but ) Tj ET Q q 0 0 0 rg BT 534.56 622.10 Td (are ) Tj ET Q q 0 0 0 rg BT 549.22 622.10 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 82.16 610.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 96.26 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 112.03 610.10 Td (T) Tj ET Q q 0 0 0 rg BT 117.79 610.10 Td (ruth ) Tj ET Q q 0 0 0 rg BT 137.72 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 149.33 610.10 Td (Lending ) Tj ET Q q 0 0 0 rg BT 185.64 610.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 203.90 610.10 Td (\(TILA\), ) Tj ET Q q 0 0 0 rg BT 248.54 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 264.58 610.10 Td (Equal ) Tj ET Q q 0 0 0 rg BT 291.74 610.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 320.56 610.10 Td (Opportunity ) Tj ET Q q 0 0 0 rg BT 372.43 610.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 390.69 610.10 Td (\(ECOA\), ) Tj ET Q q 0 0 0 rg BT 439.78 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 455.82 610.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 475.76 610.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 504.58 610.10 Td (Reporting ) Tj ET Q q 0 0 0 rg BT 547.56 610.10 Td (Act ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (\(FCRA\), ) Tj ET Q q 0 0 0 rg BT 95.57 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 109.19 598.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 126.71 598.10 Td (Debt ) Tj ET Q q 0 0 0 rg BT 147.55 598.10 Td (Collection ) Tj ET Q q 0 0 0 rg BT 190.62 598.10 Td (Practices ) Tj ET Q q 0 0 0 rg BT 227.81 598.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 243.66 598.10 Td (\(FDCP) Tj ET Q q 0 0 0 rg BT 275.52 598.10 Td (A\), ) Tj ET Q q 0 0 0 rg BT 294.42 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 308.05 598.10 Td (Gramm-Leach-Bliley ) Tj ET Q q 0 0 0 rg BT 395.22 598.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 411.06 598.10 Td (\(GLB\), ) Tj ET Q q 0 0 0 rg BT 450.51 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 464.13 598.10 Td (Electronic ) Tj ET Q q 0 0 0 rg BT 506.63 598.10 Td (Fund ) Tj ET Q q 0 0 0 rg BT 528.50 598.10 Td (T) Tj ET Q q 0 0 0 rg BT 534.25 598.10 Td (ransfer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 67.42 586.10 Td (\(EFT) Tj ET Q q 0 0 0 rg BT 92.17 586.10 Td (A\) ) Tj ET Q q 0 0 0 rg BT 110.14 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 127.56 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.75 586.10 Td (implementing ) Tj ET Q q 0 0 0 rg BT 201.28 586.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 248.70 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 260.01 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 275.21 586.10 Td (foregoing ) Tj ET Q q 0 0 0 rg BT 317.06 586.10 Td (statutes. ) Tj ET Q q 0 0 0 rg BT 352.54 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 355.30 586.10 Td (The ) Tj ET Q q 0 0 0 rg BT 373.83 586.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 406.58 586.10 Td (T) Tj ET Q q 0 0 0 rg BT 412.34 586.10 Td (rade ) Tj ET Q q 0 0 0 rg BT 432.53 586.10 Td (Commission ) Tj ET Q q 0 0 0 rg BT 486.08 586.10 Td (\(FTC\) ) Tj ET Q q 0 0 0 rg BT 522.93 586.10 Td (has ) Tj ET Q q 0 0 0 rg BT 539.24 586.10 Td (broad ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 92.05 574.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 135.76 574.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 188.91 574.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 228.18 574.10 Td (under ) Tj ET Q q 0 0 0 rg BT 254.13 574.10 Td (Section ) Tj ET Q q 0 0 0 rg BT 287.29 574.10 Td (5 ) Tj ET Q q 0 0 0 rg BT 295.47 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 306.97 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 322.36 574.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 355.29 574.10 Td (T) Tj ET Q q 0 0 0 rg BT 361.04 574.10 Td (rade ) Tj ET Q q 0 0 0 rg BT 381.42 574.10 Td (Commission ) Tj ET Q q 0 0 0 rg BT 434.46 574.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 452.07 574.10 Td (\(FTCA\), ) Tj ET Q q 0 0 0 rg BT 498.85 574.10 Td (which ) Tj ET Q q 0 0 0 rg BT 526.46 574.10 Td (prohibits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (unfair ) Tj ET Q q 0 0 0 rg BT 80.47 562.10 Td (or ) Tj ET Q q 0 0 0 rg BT 90.95 562.10 Td (deceptive ) Tj ET Q q 0 0 0 rg BT 131.42 562.10 Td (acts ) Tj ET Q q 0 0 0 rg BT 149.12 562.10 Td (or ) Tj ET Q q 0 0 0 rg BT 159.60 562.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 197.29 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 207.22 562.10 Td (or ) Tj ET Q q 0 0 0 rg BT 217.70 562.10 Td (af) Tj ET Q q 0 0 0 rg BT 225.29 562.10 Td (fecting ) Tj ET Q q 0 0 0 rg BT 255.21 562.10 Td (commerce. ) Tj ET Q q 0 0 0 rg BT 305.94 562.10 Td ( ) Tj ET Q q 0 0 0 rg BT 307.94 562.10 Td (The ) Tj ET Q q 0 0 0 rg BT 325.64 562.10 Td (FTC ) Tj ET Q q 0 0 0 rg BT 346.13 562.10 Td (also ) Tj ET Q q 0 0 0 rg BT 364.39 562.10 Td (can ) Tj ET Q q 0 0 0 rg BT 380.42 562.10 Td (enforce ) Tj ET Q q 0 0 0 rg BT 412.55 562.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 445.80 562.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 486.83 562.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 529.52 562.10 Td (statutes, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (such ) Tj ET Q q 0 0 0 rg BT 69.68 550.10 Td (as ) Tj ET Q q 0 0 0 rg BT 79.36 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 92.93 550.10 Td (ECOA, ) Tj ET Q q 0 0 0 rg BT 124.00 550.10 Td (FCRA, ) Tj ET Q q 0 0 0 rg BT 153.97 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 169.66 550.10 Td (TILA, ) Tj ET Q q 0 0 0 rg BT 196.28 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 212.07 550.10 Td (issue ) Tj ET Q q 0 0 0 rg BT 233.42 550.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 279.20 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 288.33 550.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 318.00 550.10 Td (thereof. ) Tj ET Q q 0 0 0 rg BT 350.16 550.10 Td ( ) Tj ET Q q 0 0 0 rg BT 351.42 550.10 Td (The ) Tj ET Q q 0 0 0 rg BT 368.31 550.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 410.77 550.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 449.33 550.10 Td (Protection ) Tj ET Q q 0 0 0 rg BT 491.79 550.10 Td (Bureau ) Tj ET Q q 0 0 0 rg BT 522.01 550.10 Td (\(CFPB\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (was ) Tj ET Q q 0 0 0 rg BT 67.43 538.10 Td (created ) Tj ET Q q 0 0 0 rg BT 98.17 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 107.83 538.10 Td (2010 ) Tj ET Q q 0 0 0 rg BT 129.71 538.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 151.59 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 165.68 538.10 Td (enactment ) Tj ET Q q 0 0 0 rg BT 208.65 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 218.86 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 232.96 538.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 283.58 538.10 Td (W) Tj ET Q q 0 0 0 rg BT 292.22 538.10 Td (all ) Tj ET Q q 0 0 0 rg BT 304.09 538.10 Td (Street ) Tj ET Q q 0 0 0 rg BT 329.30 538.10 Td (Reform ) Tj ET Q q 0 0 0 rg BT 361.72 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 378.04 538.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 421.03 538.10 Td (Protection ) Tj ET Q q 0 0 0 rg BT 463.59 538.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 479.91 538.10 Td (\("Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 537.67 538.10 Td (Act"\). ) Tj ET Q q 0 0 0 rg BT 564.52 538.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.96 526.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 96.83 526.10 Td (has ) Tj ET Q q 0 0 0 rg BT 113.56 526.10 Td (rulemaking ) Tj ET Q q 0 0 0 rg BT 162.51 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 180.36 526.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 233.74 526.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 273.25 526.10 Td (over ) Tj ET Q q 0 0 0 rg BT 294.43 526.10 Td (nonbanks ) Tj ET Q q 0 0 0 rg BT 336.17 526.10 Td (engaging ) Tj ET Q q 0 0 0 rg BT 376.23 526.10 Td (in ) Tj ET Q q 0 0 0 rg BT 387.42 526.10 Td (of) Tj ET Q q 0 0 0 rg BT 395.57 526.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 422.85 526.10 Td (or ) Tj ET Q q 0 0 0 rg BT 434.59 526.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 476.88 526.10 Td (a ) Tj ET Q q 0 0 0 rg BT 484.73 526.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 527.02 526.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (product ) Tj ET Q q 0 0 0 rg BT 83.31 514.10 Td (or ) Tj ET Q q 0 0 0 rg BT 94.40 514.10 Td (service ) Tj ET Q q 0 0 0 rg BT 125.47 514.10 Td (\(such ) Tj ET Q q 0 0 0 rg BT 149.89 514.10 Td (as ) Tj ET Q q 0 0 0 rg BT 160.98 514.10 Td (extending ) Tj ET Q q 0 0 0 rg BT 203.18 514.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 228.70 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 245.90 514.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 285.32 514.10 Td (loans\) ) Tj ET Q q 0 0 0 rg BT 312.51 514.10 Td (as ) Tj ET Q q 0 0 0 rg BT 323.60 514.10 Td (well ) Tj ET Q q 0 0 0 rg BT 343.58 514.10 Td (as ) Tj ET Q q 0 0 0 rg BT 354.67 514.10 Td (any ) Tj ET Q q 0 0 0 rg BT 371.87 514.10 Td (af) Tj ET Q q 0 0 0 rg BT 379.46 514.10 Td (filiate ) Tj ET Q q 0 0 0 rg BT 405.54 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 416.63 514.10 Td (such ) Tj ET Q q 0 0 0 rg BT 437.72 514.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 476.56 514.10 Td (person ) Tj ET Q q 0 0 0 rg BT 510.42 514.10 Td (that ) Tj ET Q q 0 0 0 rg BT 528.18 514.10 Td (acts ) Tj ET Q q 0 0 0 rg BT 546.49 514.10 Td (as ) Tj ET Q q 0 0 0 rg BT 557.58 514.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (service ) Tj ET Q q 0 0 0 rg BT 86.21 502.10 Td (provider ) Tj ET Q q 0 0 0 rg BT 127.98 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 139.21 502.10 Td (such ) Tj ET Q q 0 0 0 rg BT 160.99 502.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 196.09 502.10 Td (person. ) Tj ET Q q 0 0 0 rg BT 228.71 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 231.91 502.10 Td (The ) Tj ET Q q 0 0 0 rg BT 250.91 502.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 282.12 502.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 324.45 502.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 362.88 502.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 384.67 502.10 Td (over ) Tj ET Q q 0 0 0 rg BT 405.89 502.10 Td (which ) Tj ET Q q 0 0 0 rg BT 433.78 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 449.45 502.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 477.37 502.10 Td (has ) Tj ET Q q 0 0 0 rg BT 494.15 502.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 547.57 502.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (rulemaking ) Tj ET Q q 0 0 0 rg BT 98.05 490.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 136.66 490.10 Td (include ) Tj ET Q q 0 0 0 rg BT 168.41 490.10 Td (TILA, ) Tj ET Q q 0 0 0 rg BT 196.19 490.10 Td (ECOA, ) Tj ET Q q 0 0 0 rg BT 228.41 490.10 Td (FCRA, ) Tj ET Q q 0 0 0 rg BT 259.54 490.10 Td (FDCP) Tj ET Q q 0 0 0 rg BT 283.64 490.10 Td (A, ) Tj ET Q q 0 0 0 rg BT 295.86 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 312.81 490.10 Td (GLB ) Tj ET Q q 0 0 0 rg BT 335.31 490.10 Td (as ) Tj ET Q q 0 0 0 rg BT 346.15 490.10 Td (well ) Tj ET Q q 0 0 0 rg BT 365.87 490.10 Td (as ) Tj ET Q q 0 0 0 rg BT 376.70 490.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 415.31 490.10 Td (under ) Tj ET Q q 0 0 0 rg BT 440.40 490.10 Td (T) Tj ET Q q 0 0 0 rg BT 446.16 490.10 Td (itle ) Tj ET Q q 0 0 0 rg BT 461.44 490.10 Td (X ) Tj ET Q q 0 0 0 rg BT 471.17 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 482.00 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 496.72 490.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 547.56 490.10 Td (Act ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.21 478.10 Td (prohibit ) Tj ET Q q 0 0 0 rg BT 92.30 478.10 Td (unfair) Tj ET Q q 0 0 0 rg BT 120.21 478.10 Td (, ) Tj ET Q q 0 0 0 rg BT 124.14 478.10 Td (deceptive ) Tj ET Q q 0 0 0 rg BT 163.88 478.10 Td (or ) Tj ET Q q 0 0 0 rg BT 173.64 478.10 Td (abusive ) Tj ET Q q 0 0 0 rg BT 205.61 478.10 Td (acts ) Tj ET Q q 0 0 0 rg BT 222.58 478.10 Td (or ) Tj ET Q q 0 0 0 rg BT 232.34 478.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 273.74 478.10 Td (\(UDAAP\) ) Tj ET Q q 0 0 0 rg BT 325.15 478.10 Td (in ) Tj ET Q q 0 0 0 rg BT 334.36 478.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 379.66 478.10 Td (with ) Tj ET Q q 0 0 0 rg BT 398.86 478.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 439.17 478.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 475.57 478.10 Td (products ) Tj ET Q q 0 0 0 rg BT 511.44 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 527.31 478.10 Td (services. ) Tj ET Q q 0 0 0 rg BT 564.51 478.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.26 466.10 Td (scope ) Tj ET Q q 0 0 0 rg BT 93.74 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 104.79 466.10 Td (UDAAP) Tj ET Q q 0 0 0 rg BT 138.86 466.10 Td ( ) Tj ET Q q 0 0 0 rg BT 141.58 466.10 Td (is ) Tj ET Q q 0 0 0 rg BT 150.96 466.10 Td (broad ) Tj ET Q q 0 0 0 rg BT 176.44 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 193.60 466.10 Td (often ) Tj ET Q q 0 0 0 rg BT 216.86 466.10 Td (uncertain, ) Tj ET Q q 0 0 0 rg BT 259.27 466.10 Td (but ) Tj ET Q q 0 0 0 rg BT 274.77 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 289.70 466.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 316.87 466.10 Td (has ) Tj ET Q q 0 0 0 rg BT 332.92 466.10 Td (been ) Tj ET Q q 0 0 0 rg BT 354.51 466.10 Td (active ) Tj ET Q q 0 0 0 rg BT 381.09 466.10 Td (in ) Tj ET Q q 0 0 0 rg BT 391.59 466.10 Td (enforcing ) Tj ET Q q 0 0 0 rg BT 432.62 466.10 Td (UDAAP) Tj ET Q q 0 0 0 rg BT 466.69 466.10 Td ( ) Tj ET Q q 0 0 0 rg BT 469.41 466.10 Td (claims. ) Tj ET Q q 0 0 0 rg BT 500.72 466.10 Td ( ) Tj ET Q q 0 0 0 rg BT 503.24 466.10 Td (The ) Tj ET Q q 0 0 0 rg BT 521.50 466.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 548.68 466.10 Td (has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (broad ) Tj ET Q q 0 0 0 rg BT 75.00 454.10 Td (power ) Tj ET Q q 0 0 0 rg BT 102.23 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 112.24 454.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 143.37 454.10 Td (civil ) Tj ET Q q 0 0 0 rg BT 163.37 454.10 Td (money ) Tj ET Q q 0 0 0 rg BT 192.83 454.10 Td (penalties, ) Tj ET Q q 0 0 0 rg BT 233.10 454.10 Td (restitution, ) Tj ET Q q 0 0 0 rg BT 278.39 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 295.06 454.10 Td (other ) Tj ET Q q 0 0 0 rg BT 317.85 454.10 Td (corrective ) Tj ET Q q 0 0 0 rg BT 360.05 454.10 Td (action ) Tj ET Q q 0 0 0 rg BT 386.72 454.10 Td (under ) Tj ET Q q 0 0 0 rg BT 411.73 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 426.18 454.10 Td (various ) Tj ET Q q 0 0 0 rg BT 457.85 454.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 478.42 454.10 Td (described ) Tj ET Q q 0 0 0 rg BT 518.97 454.10 Td (above ) Tj ET Q q 0 0 0 rg BT 545.08 454.10 Td (and, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.45 442.10 Td (this ) Tj ET Q q 0 0 0 rg BT 81.69 442.10 Td (reason, ) Tj ET Q q 0 0 0 rg BT 113.08 442.10 Td (poses ) Tj ET Q q 0 0 0 rg BT 138.09 442.10 Td (a ) Tj ET Q q 0 0 0 rg BT 145.31 442.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 190.32 442.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 234.20 442.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 251.99 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 262.56 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 277.56 442.10 Td (origination, ) Tj ET Q q 0 0 0 rg BT 326.73 442.10 Td (servicing, ) Tj ET Q q 0 0 0 rg BT 368.68 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 385.91 442.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 428.13 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 439.25 442.10 Td (our ) Tj ET Q q 0 0 0 rg BT 455.37 442.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 478.70 442.10 Td (installment ) Tj ET Q q 0 0 0 rg BT 525.92 442.10 Td (contracts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 430.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 108.32 430.10 Td (loans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.56 412.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 95.57 412.10 Td (to ) Tj ET Q q 0 0 0 rg BT 105.58 412.10 Td (its ) Tj ET Q q 0 0 0 rg BT 117.26 412.10 Td (rulemaking ) Tj ET Q q 0 0 0 rg BT 165.04 412.10 Td (and ) Tj ET Q q 0 0 0 rg BT 181.71 412.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 233.91 412.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 272.25 412.10 Td (described ) Tj ET Q q 0 0 0 rg BT 312.80 412.10 Td (in ) Tj ET Q q 0 0 0 rg BT 322.81 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 337.26 412.10 Td (preceding ) Tj ET Q q 0 0 0 rg BT 378.91 412.10 Td (paragraph, ) Tj ET Q q 0 0 0 rg BT 423.62 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 438.07 412.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 464.77 412.10 Td (also ) Tj ET Q q 0 0 0 rg BT 483.11 412.10 Td (has ) Tj ET Q q 0 0 0 rg BT 498.67 412.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 547.57 412.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 101.35 400.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 139.37 400.10 Td (over ) Tj ET Q q 0 0 0 rg BT 159.06 400.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 198.74 400.10 Td (lending, ) Tj ET Q q 0 0 0 rg BT 233.15 400.10 Td (payday ) Tj ET Q q 0 0 0 rg BT 263.95 400.10 Td (lending, ) Tj ET Q q 0 0 0 rg BT 298.36 400.10 Td (and ) Tj ET Q q 0 0 0 rg BT 314.72 400.10 Td (private ) Tj ET Q q 0 0 0 rg BT 344.40 400.10 Td (student ) Tj ET Q q 0 0 0 rg BT 375.21 400.10 Td (lending, ) Tj ET Q q 0 0 0 rg BT 409.62 400.10 Td (as ) Tj ET Q q 0 0 0 rg BT 419.87 400.10 Td (well ) Tj ET Q q 0 0 0 rg BT 439.01 400.10 Td (as ) Tj ET Q q 0 0 0 rg BT 449.26 400.10 Td (lar) Tj ET Q q 0 0 0 rg BT 464.06 400.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 478.75 400.10 Td (participants ) Tj ET Q q 0 0 0 rg BT 531.76 400.10 Td (in ) Tj ET Q q 0 0 0 rg BT 541.46 400.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 83.09 388.10 Td (for ) Tj ET Q q 0 0 0 rg BT 96.18 388.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 136.49 388.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 172.90 388.10 Td (products ) Tj ET Q q 0 0 0 rg BT 208.77 388.10 Td (or ) Tj ET Q q 0 0 0 rg BT 218.53 388.10 Td (services ) Tj ET Q q 0 0 0 rg BT 252.17 388.10 Td (\(including ) Tj ET Q q 0 0 0 rg BT 294.71 388.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 313.36 388.10 Td (collection\), ) Tj ET Q q 0 0 0 rg BT 360.05 388.10 Td (and ) Tj ET Q q 0 0 0 rg BT 375.92 388.10 Td (any ) Tj ET Q q 0 0 0 rg BT 391.79 388.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 424.87 388.10 Td (person ) Tj ET Q q 0 0 0 rg BT 452.96 388.10 Td (if ) Tj ET Q q 0 0 0 rg BT 460.50 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.15 388.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 500.04 388.10 Td (has ) Tj ET Q q 0 0 0 rg BT 514.81 388.10 Td (reasonable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 74.87 376.10 Td (to ) Tj ET Q q 0 0 0 rg BT 85.31 376.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 132.40 376.10 Td (that ) Tj ET Q q 0 0 0 rg BT 150.05 376.10 Td (such ) Tj ET Q q 0 0 0 rg BT 171.05 376.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 205.36 376.10 Td (person ) Tj ET Q q 0 0 0 rg BT 234.68 376.10 Td (is ) Tj ET Q q 0 0 0 rg BT 244.01 376.10 Td (engaging, ) Tj ET Q q 0 0 0 rg BT 285.83 376.10 Td (or ) Tj ET Q q 0 0 0 rg BT 296.83 376.10 Td (has ) Tj ET Q q 0 0 0 rg BT 312.82 376.10 Td (engaged, ) Tj ET Q q 0 0 0 rg BT 351.30 376.10 Td (in ) Tj ET Q q 0 0 0 rg BT 361.74 376.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 396.06 376.10 Td (that ) Tj ET Q q 0 0 0 rg BT 413.72 376.10 Td (poses ) Tj ET Q q 0 0 0 rg BT 438.60 376.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 460.16 376.10 Td (to ) Tj ET Q q 0 0 0 rg BT 470.60 376.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 516.03 376.10 Td (with ) Tj ET Q q 0 0 0 rg BT 536.47 376.10 Td (regard ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.51 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.47 364.10 Td (of) Tj ET Q q 0 0 0 rg BT 83.62 364.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 110.23 364.10 Td (or ) Tj ET Q q 0 0 0 rg BT 121.29 364.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 161.81 364.10 Td (of ) Tj ET Q q 0 0 0 rg BT 172.88 364.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 214.49 364.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 252.20 364.10 Td (products ) Tj ET Q q 0 0 0 rg BT 289.38 364.10 Td (or ) Tj ET Q q 0 0 0 rg BT 300.44 364.10 Td (services, ) Tj ET Q q 0 0 0 rg BT 337.89 364.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 372.83 364.10 Td (based ) Tj ET Q q 0 0 0 rg BT 398.33 364.10 Td (on ) Tj ET Q q 0 0 0 rg BT 411.07 364.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 452.68 364.10 Td (complaints ) Tj ET Q q 0 0 0 rg BT 499.30 364.10 Td (or ) Tj ET Q q 0 0 0 rg BT 510.37 364.10 Td (information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (from ) Tj ET Q q 0 0 0 rg BT 72.82 352.10 Td (other ) Tj ET Q q 0 0 0 rg BT 96.75 352.10 Td (sources. ) Tj ET Q q 0 0 0 rg BT 137.07 352.10 Td ( ) Tj ET Q q 0 0 0 rg BT 139.70 352.10 Td (Although ) Tj ET Q q 0 0 0 rg BT 180.86 352.10 Td (we ) Tj ET Q q 0 0 0 rg BT 195.91 352.10 Td (are ) Tj ET Q q 0 0 0 rg BT 211.50 352.10 Td (not ) Tj ET Q q 0 0 0 rg BT 227.66 352.10 Td (automatically ) Tj ET Q q 0 0 0 rg BT 285.47 352.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 317.18 352.10 Td (to ) Tj ET Q q 0 0 0 rg BT 328.34 352.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 356.19 352.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 406.23 352.10 Td (or ) Tj ET Q q 0 0 0 rg BT 417.94 352.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 470.76 352.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 510.24 352.10 Td (based ) Tj ET Q q 0 0 0 rg BT 536.40 352.10 Td (on ) Tj ET Q q 0 0 0 rg BT 549.78 352.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (foregoing ) Tj ET Q q 0 0 0 rg BT 91.82 340.10 Td (categories, ) Tj ET Q q 0 0 0 rg BT 137.80 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 152.96 340.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 180.36 340.10 Td (has ) Tj ET Q q 0 0 0 rg BT 196.64 340.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 235.68 340.10 Td (to ) Tj ET Q q 0 0 0 rg BT 246.40 340.10 Td (investigate ) Tj ET Q q 0 0 0 rg BT 292.67 340.10 Td (and ) Tj ET Q q 0 0 0 rg BT 310.05 340.10 Td (take ) Tj ET Q q 0 0 0 rg BT 329.65 340.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 382.56 340.10 Td (action ) Tj ET Q q 0 0 0 rg BT 409.94 340.10 Td (against ) Tj ET Q q 0 0 0 rg BT 441.21 340.10 Td (us ) Tj ET Q q 0 0 0 rg BT 453.04 340.10 Td (with ) Tj ET Q q 0 0 0 rg BT 473.76 340.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 505.02 340.10 Td (to ) Tj ET Q q 0 0 0 rg BT 515.75 340.10 Td (any ) Tj ET Q q 0 0 0 rg BT 533.13 340.10 Td (alleged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (violation ) Tj ET Q q 0 0 0 rg BT 88.09 328.10 Td (by ) Tj ET Q q 0 0 0 rg BT 100.63 328.10 Td (us ) Tj ET Q q 0 0 0 rg BT 112.05 328.10 Td (of ) Tj ET Q q 0 0 0 rg BT 122.92 328.10 Td (a ) Tj ET Q q 0 0 0 rg BT 129.90 328.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 160.19 328.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 201.60 328.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 239.12 328.10 Td (law ) Tj ET Q q 0 0 0 rg BT 256.09 328.10 Td (over ) Tj ET Q q 0 0 0 rg BT 276.40 328.10 Td (which ) Tj ET Q q 0 0 0 rg BT 303.37 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 318.13 328.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 345.12 328.10 Td (has ) Tj ET Q q 0 0 0 rg BT 360.99 328.10 Td (jurisdiction, ) Tj ET Q q 0 0 0 rg BT 411.58 328.10 Td (including ) Tj ET Q q 0 0 0 rg BT 451.89 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 466.64 328.10 Td (prohibition ) Tj ET Q q 0 0 0 rg BT 513.62 328.10 Td (on ) Tj ET Q q 0 0 0 rg BT 526.16 328.10 Td (UDAAP) Tj ET Q q 0 0 0 rg BT 559.50 328.10 Td (. ) Tj ET Q q 0 0 0 rg BT 564.50 328.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.23 316.10 Td (mere ) Tj ET Q q 0 0 0 rg BT 90.89 316.10 Td (receipt ) Tj ET Q q 0 0 0 rg BT 120.78 316.10 Td (by ) Tj ET Q q 0 0 0 rg BT 133.46 316.10 Td (us ) Tj ET Q q 0 0 0 rg BT 145.03 316.10 Td (of ) Tj ET Q q 0 0 0 rg BT 156.04 316.10 Td (a ) Tj ET Q q 0 0 0 rg BT 163.16 316.10 Td (civil ) Tj ET Q q 0 0 0 rg BT 188.05 316.10 Td (investigative ) Tj ET Q q 0 0 0 rg BT 241.83 316.10 Td (demand ) Tj ET Q q 0 0 0 rg BT 280.61 316.10 Td (from ) Tj ET Q q 0 0 0 rg BT 302.72 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 317.62 316.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 344.77 316.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 384.10 316.10 Td (production ) Tj ET Q q 0 0 0 rg BT 430.11 316.10 Td (of ) Tj ET Q q 0 0 0 rg BT 441.12 316.10 Td (documents, ) Tj ET Q q 0 0 0 rg BT 489.62 316.10 Td (written ) Tj ET Q q 0 0 0 rg BT 520.63 316.10 Td (responses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (reports ) Tj ET Q q 0 0 0 rg BT 80.31 304.10 Td (or ) Tj ET Q q 0 0 0 rg BT 91.19 304.10 Td (oral ) Tj ET Q q 0 0 0 rg BT 109.28 304.10 Td (testimony ) Tj ET Q q 0 0 0 rg BT 151.26 304.10 Td (could ) Tj ET Q q 0 0 0 rg BT 176.03 304.10 Td (result ) Tj ET Q q 0 0 0 rg BT 200.79 304.10 Td (in ) Tj ET Q q 0 0 0 rg BT 211.11 304.10 Td (required ) Tj ET Q q 0 0 0 rg BT 246.97 304.10 Td (public ) Tj ET Q q 0 0 0 rg BT 274.51 304.10 Td (disclosure, ) Tj ET Q q 0 0 0 rg BT 320.10 304.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 353.18 304.10 Td (publicity) Tj ET Q q 0 0 0 rg BT 388.08 304.10 Td (, ) Tj ET Q q 0 0 0 rg BT 393.13 304.10 Td (and ) Tj ET Q q 0 0 0 rg BT 410.11 304.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 455.42 304.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 474.08 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 484.40 304.10 Td (us ) Tj ET Q q 0 0 0 rg BT 495.83 304.10 Td (regardless ) Tj ET Q q 0 0 0 rg BT 538.92 304.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 304.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (outcome. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 96.56 274.10 Td (rulemaking ) Tj ET Q q 0 0 0 rg BT 144.24 274.10 Td (by ) Tj ET Q q 0 0 0 rg BT 156.37 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 170.71 274.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 197.31 274.10 Td (could ) Tj ET Q q 0 0 0 rg BT 221.65 274.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 262.10 274.10 Td (af) Tj ET Q q 0 0 0 rg BT 269.69 274.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 286.80 274.10 Td (origination, ) Tj ET Q q 0 0 0 rg BT 335.32 274.10 Td (servicing, ) Tj ET Q q 0 0 0 rg BT 376.60 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 393.17 274.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 434.73 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 445.19 274.10 Td (our ) Tj ET Q q 0 0 0 rg BT 460.65 274.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 483.32 274.10 Td (installment ) Tj ET Q q 0 0 0 rg BT 529.89 274.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 547.57 274.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 91.09 262.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 110.52 262.10 Td (products ) Tj ET Q q 0 0 0 rg BT 147.18 262.10 Td (by ) Tj ET Q q 0 0 0 rg BT 159.39 262.10 Td (making ) Tj ET Q q 0 0 0 rg BT 191.60 262.10 Td (it ) Tj ET Q q 0 0 0 rg BT 199.37 262.10 Td (more ) Tj ET Q q 0 0 0 rg BT 222.13 262.10 Td (dif) Tj ET Q q 0 0 0 rg BT 233.06 262.10 Td (ficult ) Tj ET Q q 0 0 0 rg BT 256.38 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 273.03 262.10 Td (costly ) Tj ET Q q 0 0 0 rg BT 299.13 262.10 Td (for ) Tj ET Q q 0 0 0 rg BT 313.01 262.10 Td (us ) Tj ET Q q 0 0 0 rg BT 324.11 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 334.10 262.10 Td (of) Tj ET Q q 0 0 0 rg BT 342.25 262.10 Td (fer) Tj ET Q q 0 0 0 rg BT 352.95 262.10 Td (, ) Tj ET Q q 0 0 0 rg BT 357.67 262.10 Td (service ) Tj ET Q q 0 0 0 rg BT 388.20 262.10 Td (or ) Tj ET Q q 0 0 0 rg BT 398.74 262.10 Td (collect ) Tj ET Q q 0 0 0 rg BT 427.60 262.10 Td (these ) Tj ET Q q 0 0 0 rg BT 450.37 262.10 Td (products. ) Tj ET Q q 0 0 0 rg BT 489.52 262.10 Td (In ) Tj ET Q q 0 0 0 rg BT 500.06 262.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 537.55 262.10 Td (CFPB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (rulemaking ) Tj ET Q q 0 0 0 rg BT 97.96 250.10 Td (could ) Tj ET Q q 0 0 0 rg BT 122.60 250.10 Td (make ) Tj ET Q q 0 0 0 rg BT 146.67 250.10 Td (it ) Tj ET Q q 0 0 0 rg BT 154.65 250.10 Td (possible, ) Tj ET Q q 0 0 0 rg BT 192.35 250.10 Td (or ) Tj ET Q q 0 0 0 rg BT 203.10 250.10 Td (easier ) Tj ET Q q 0 0 0 rg BT 228.83 250.10 Td (for ) Tj ET Q q 0 0 0 rg BT 242.91 250.10 Td (our ) Tj ET Q q 0 0 0 rg BT 258.66 250.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 301.63 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 311.82 250.10 Td (bring ) Tj ET Q q 0 0 0 rg BT 335.35 250.10 Td (class ) Tj ET Q q 0 0 0 rg BT 357.21 250.10 Td (action ) Tj ET Q q 0 0 0 rg BT 384.06 250.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 412.59 250.10 Td (against ) Tj ET Q q 0 0 0 rg BT 443.33 250.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 457.14 250.10 Td (or ) Tj ET Q q 0 0 0 rg BT 467.89 250.10 Td (prohibit ) Tj ET Q q 0 0 0 rg BT 501.98 250.10 Td (or ) Tj ET Q q 0 0 0 rg BT 512.72 250.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 534.04 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 548.67 250.10 Td (use ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 238.10 Td (arbitration ) Tj ET Q q 0 0 0 rg BT 104.98 238.10 Td (clauses ) Tj ET Q q 0 0 0 rg BT 136.36 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 153.30 238.10 Td (class ) Tj ET Q q 0 0 0 rg BT 175.23 238.10 Td (action ) Tj ET Q q 0 0 0 rg BT 202.17 238.10 Td (waivers, ) Tj ET Q q 0 0 0 rg BT 238.27 238.10 Td (both ) Tj ET Q q 0 0 0 rg BT 258.54 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 269.38 238.10 Td (which ) Tj ET Q q 0 0 0 rg BT 296.31 238.10 Td (we ) Tj ET Q q 0 0 0 rg BT 310.47 238.10 Td (include ) Tj ET Q q 0 0 0 rg BT 342.41 238.10 Td (in ) Tj ET Q q 0 0 0 rg BT 352.69 238.10 Td (our ) Tj ET Q q 0 0 0 rg BT 368.52 238.10 Td (installment ) Tj ET Q q 0 0 0 rg BT 415.45 238.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 454.05 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 470.99 238.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 490.70 238.10 Td (agreements. ) Tj ET Q q 0 0 0 rg BT 541.24 238.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (Prior ) Tj ET Q q 0 0 0 rg BT 72.48 220.10 Td (to ) Tj ET Q q 0 0 0 rg BT 82.19 220.10 Td (August ) Tj ET Q q 0 0 0 rg BT 113.56 220.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 138.54 220.10 Td (our ) Tj ET Q q 0 0 0 rg BT 154.35 220.10 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 201.26 220.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 241.50 220.10 Td (product ) Tj ET Q q 0 0 0 rg BT 274.53 220.10 Td (consisted ) Tj ET Q q 0 0 0 rg BT 314.23 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 325.04 220.10 Td (a ) Tj ET Q q 0 0 0 rg BT 331.96 220.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 354.98 220.10 Td (installment ) Tj ET Q q 0 0 0 rg BT 401.90 220.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 419.93 220.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 454.61 220.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 486.51 220.10 Td (into ) Tj ET Q q 0 0 0 rg BT 504.55 220.10 Td (between ) Tj ET Q q 0 0 0 rg BT 540.35 220.10 Td (Conn ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (Appliances, ) Tj ET Q q 0 0 0 rg BT 99.83 208.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 117.45 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 134.24 208.10 Td (our ) Tj ET Q q 0 0 0 rg BT 149.91 208.10 Td (customer) Tj ET Q q 0 0 0 rg BT 186.02 208.10 Td (. ) Tj ET Q q 0 0 0 rg BT 190.86 208.10 Td ( ) Tj ET Q q 0 0 0 rg BT 193.21 208.10 Td (Commencing ) Tj ET Q q 0 0 0 rg BT 249.44 208.10 Td (in ) Tj ET Q q 0 0 0 rg BT 259.05 208.10 Td (August ) Tj ET Q q 0 0 0 rg BT 290.29 208.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 315.14 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 329.70 208.10 Td (Conn ) Tj ET Q q 0 0 0 rg BT 353.20 208.10 Td (Appliances, ) Tj ET Q q 0 0 0 rg BT 403.03 208.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 420.65 208.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 443.54 208.10 Td (installment ) Tj ET Q q 0 0 0 rg BT 490.32 208.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 508.22 208.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 542.77 208.10 Td (of) Tj ET Q q 0 0 0 rg BT 550.92 208.10 Td (fer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.51 196.10 Td (T) Tj ET Q q 0 0 0 rg BT 68.92 196.10 Td (exas ) Tj ET Q q 0 0 0 rg BT 88.69 196.10 Td (store ) Tj ET Q q 0 0 0 rg BT 110.13 196.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 152.67 196.10 Td (was ) Tj ET Q q 0 0 0 rg BT 170.22 196.10 Td (phased ) Tj ET Q q 0 0 0 rg BT 199.99 196.10 Td (out, ) Tj ET Q q 0 0 0 rg BT 217.27 196.10 Td (and ) Tj ET Q q 0 0 0 rg BT 233.71 196.10 Td (Conn ) Tj ET Q q 0 0 0 rg BT 257.37 196.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 284.37 196.10 Td (Corporation, ) Tj ET Q q 0 0 0 rg BT 337.19 196.10 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 356.96 196.10 Td (an ) Tj ET Q q 0 0 0 rg BT 368.40 196.10 Td (af) Tj ET Q q 0 0 0 rg BT 375.98 196.10 Td (filiate ) Tj ET Q q 0 0 0 rg BT 401.30 196.10 Td (of ) Tj ET Q q 0 0 0 rg BT 411.63 196.10 Td (Conn ) Tj ET Q q 0 0 0 rg BT 434.86 196.10 Td (Appliances, ) Tj ET Q q 0 0 0 rg BT 484.34 196.10 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 504.11 196.10 Td (began ) Tj ET Q q 0 0 0 rg BT 529.98 196.10 Td (of) Tj ET Q q 0 0 0 rg BT 538.13 196.10 Td (fering ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (a ) Tj ET Q q 0 0 0 rg BT 57.68 184.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 99.80 184.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 120.26 184.10 Td (product ) Tj ET Q q 0 0 0 rg BT 154.05 184.10 Td (to ) Tj ET Q q 0 0 0 rg BT 165.07 184.10 Td (our ) Tj ET Q q 0 0 0 rg BT 181.64 184.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 227.93 184.10 Td ( ) Tj ET Q q 0 0 0 rg BT 231.17 184.10 Td (Similar ) Tj ET Q q 0 0 0 rg BT 263.86 184.10 Td (to ) Tj ET Q q 0 0 0 rg BT 274.88 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 290.34 184.10 Td (procedure ) Tj ET Q q 0 0 0 rg BT 333.55 184.10 Td (employed ) Tj ET Q q 0 0 0 rg BT 376.23 184.10 Td (with ) Tj ET Q q 0 0 0 rg BT 397.25 184.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 421.04 184.10 Td (installment ) Tj ET Q q 0 0 0 rg BT 468.72 184.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 487.50 184.10 Td (contracts, ) Tj ET Q q 0 0 0 rg BT 529.34 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 544.80 184.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 88.35 172.10 Td (are ) Tj ET Q q 0 0 0 rg BT 102.82 172.10 Td (assigned ) Tj ET Q q 0 0 0 rg BT 139.52 172.10 Td (to ) Tj ET Q q 0 0 0 rg BT 149.56 172.10 Td (an ) Tj ET Q q 0 0 0 rg BT 161.26 172.10 Td (af) Tj ET Q q 0 0 0 rg BT 168.85 172.10 Td (filiate ) Tj ET Q q 0 0 0 rg BT 194.43 172.10 Td (to ) Tj ET Q q 0 0 0 rg BT 204.47 172.10 Td (service ) Tj ET Q q 0 0 0 rg BT 235.04 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.52 172.10 Td (contracts. ) Tj ET Q q 0 0 0 rg BT 290.38 172.10 Td ( ) Tj ET Q q 0 0 0 rg BT 292.64 172.10 Td (In ) Tj ET Q q 0 0 0 rg BT 303.23 172.10 Td (conjunction ) Tj ET Q q 0 0 0 rg BT 352.70 172.10 Td (with ) Tj ET Q q 0 0 0 rg BT 372.74 172.10 Td (this ) Tj ET Q q 0 0 0 rg BT 389.28 172.10 Td (T) Tj ET Q q 0 0 0 rg BT 394.69 172.10 Td (exas ) Tj ET Q q 0 0 0 rg BT 414.72 172.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 439.75 172.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 459.23 172.10 Td (program, ) Tj ET Q q 0 0 0 rg BT 497.70 172.10 Td (T) Tj ET Q q 0 0 0 rg BT 503.11 172.10 Td (exas ) Tj ET Q q 0 0 0 rg BT 523.14 172.10 Td (consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (lender ) Tj ET Q q 0 0 0 rg BT 77.39 160.10 Td (licenses ) Tj ET Q q 0 0 0 rg BT 111.45 160.10 Td (were ) Tj ET Q q 0 0 0 rg BT 133.29 160.10 Td (obtained ) Tj ET Q q 0 0 0 rg BT 170.13 160.10 Td (by ) Tj ET Q q 0 0 0 rg BT 182.53 160.10 Td (Conn ) Tj ET Q q 0 0 0 rg BT 206.61 160.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 234.01 160.10 Td (Corporation, ) Tj ET Q q 0 0 0 rg BT 287.24 160.10 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 307.42 160.10 Td (Conn ) Tj ET Q q 0 0 0 rg BT 330.96 160.10 Td (Appliances, ) Tj ET Q q 0 0 0 rg BT 380.85 160.10 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 401.03 160.10 Td (and ) Tj ET Q q 0 0 0 rg BT 417.87 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 432.50 160.10 Td (af) Tj ET Q q 0 0 0 rg BT 440.08 160.10 Td (filiate ) Tj ET Q q 0 0 0 rg BT 465.81 160.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 490.99 160.10 Td (Conn ) Tj ET Q q 0 0 0 rg BT 515.07 160.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 542.47 160.10 Td (I, ) Tj ET Q q 0 0 0 rg BT 550.71 160.10 Td (LP) Tj ET Q q 0 0 0 rg BT 562.00 160.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 82.55 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 96.77 148.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 115.98 148.10 Td (contracts. ) Tj ET Q q 0 0 0 rg BT 156.57 148.10 Td ( ) Tj ET Q q 0 0 0 rg BT 158.57 148.10 Td (For ) Tj ET Q q 0 0 0 rg BT 174.46 148.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 217.00 148.10 Td (of ) Tj ET Q q 0 0 0 rg BT 227.33 148.10 Td (most ) Tj ET Q q 0 0 0 rg BT 248.77 148.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 274.10 148.10 Td (located ) Tj ET Q q 0 0 0 rg BT 304.97 148.10 Td (outside ) Tj ET Q q 0 0 0 rg BT 335.85 148.10 Td (of ) Tj ET Q q 0 0 0 rg BT 346.04 148.10 Td (T) Tj ET Q q 0 0 0 rg BT 351.45 148.10 Td (exas, ) Tj ET Q q 0 0 0 rg BT 373.71 148.10 Td (Conn ) Tj ET Q q 0 0 0 rg BT 396.94 148.10 Td (Appliances, ) Tj ET Q q 0 0 0 rg BT 446.42 148.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 463.69 148.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 504.01 148.10 Td (to ) Tj ET Q q 0 0 0 rg BT 513.78 148.10 Td (of) Tj ET Q q 0 0 0 rg BT 521.93 148.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 535.03 148.10 Td (a ) Tj ET Q q 0 0 0 rg BT 541.47 148.10 Td (retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (installment ) Tj ET Q q 0 0 0 rg BT 95.86 136.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 112.83 136.10 Td (contract. ) Tj ET Q q 0 0 0 rg BT 148.95 136.10 Td ( ) Tj ET Q q 0 0 0 rg BT 150.38 136.10 Td (Over ) Tj ET Q q 0 0 0 rg BT 171.79 136.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.43 136.10 Td (past ) Tj ET Q q 0 0 0 rg BT 202.96 136.10 Td (year) Tj ET Q q 0 0 0 rg BT 219.77 136.10 Td (, ) Tj ET Q q 0 0 0 rg BT 223.69 136.10 Td (we ) Tj ET Q q 0 0 0 rg BT 236.77 136.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 279.84 136.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 309.04 136.10 Td (transitions ) Tj ET Q q 0 0 0 rg BT 352.13 136.10 Td (from ) Tj ET Q q 0 0 0 rg BT 372.99 136.10 Td (our ) Tj ET Q q 0 0 0 rg BT 387.74 136.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 409.70 136.10 Td (installment ) Tj ET Q q 0 0 0 rg BT 455.57 136.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 476.43 136.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 513.94 136.10 Td (to ) Tj ET Q q 0 0 0 rg BT 523.14 136.10 Td (consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 70.00 124.10 Td (products ) Tj ET Q q 0 0 0 rg BT 107.23 124.10 Td (in ) Tj ET Q q 0 0 0 rg BT 117.79 124.10 Td (Oklahoma, ) Tj ET Q q 0 0 0 rg BT 164.74 124.10 Td (Louisiana ) Tj ET Q q 0 0 0 rg BT 206.96 124.10 Td (and ) Tj ET Q q 0 0 0 rg BT 223.98 124.10 Td (T) Tj ET Q q 0 0 0 rg BT 229.39 124.10 Td (ennessee. ) Tj ET Q q 0 0 0 rg BT 270.22 124.10 Td ( ) Tj ET Q q 0 0 0 rg BT 272.80 124.10 Td (W) Tj ET Q q 0 0 0 rg BT 281.44 124.10 Td (e ) Tj ET Q q 0 0 0 rg BT 288.67 124.10 Td (are ) Tj ET Q q 0 0 0 rg BT 303.66 124.10 Td (reviewing ) Tj ET Q q 0 0 0 rg BT 346.43 124.10 Td (opportunities ) Tj ET Q q 0 0 0 rg BT 401.99 124.10 Td (in ) Tj ET Q q 0 0 0 rg BT 412.56 124.10 Td (other ) Tj ET Q q 0 0 0 rg BT 435.89 124.10 Td (states ) Tj ET Q q 0 0 0 rg BT 460.90 124.10 Td (where ) Tj ET Q q 0 0 0 rg BT 488.11 124.10 Td (we ) Tj ET Q q 0 0 0 rg BT 502.56 124.10 Td (may ) Tj ET Q q 0 0 0 rg BT 522.56 124.10 Td (be ) Tj ET Q q 0 0 0 rg BT 534.79 124.10 Td (able ) Tj ET Q q 0 0 0 rg BT 554.23 124.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (make ) Tj ET Q q 0 0 0 rg BT 74.16 112.10 Td (a ) Tj ET Q q 0 0 0 rg BT 81.09 112.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 111.37 112.10 Td (transition ) Tj ET Q q 0 0 0 rg BT 151.64 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 161.92 112.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 203.30 112.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 223.01 112.10 Td (products. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (State ) Tj ET Q q 0 0 0 rg BT 73.91 94.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 96.16 94.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 128.97 94.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 173.43 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 191.79 94.10 Td (other ) Tj ET Q q 0 0 0 rg BT 216.25 94.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 272.37 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 290.73 94.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 337.42 94.10 Td (on ) Tj ET Q q 0 0 0 rg BT 351.34 94.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 375.80 94.10 Td (installment ) Tj ET Q q 0 0 0 rg BT 424.16 94.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 443.62 94.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 483.64 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 501.99 94.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 544.79 94.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 97.36 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 113.63 82.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 144.35 82.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 186.73 82.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 222.45 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 232.61 82.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 263.86 82.10 Td (char) Tj ET Q q 0 0 0 rg BT 280.89 82.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 296.05 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 312.32 82.10 Td (interest, ) Tj ET Q q 0 0 0 rg BT 346.08 82.10 Td (as ) Tj ET Q q 0 0 0 rg BT 356.24 82.10 Td (well ) Tj ET Q q 0 0 0 rg BT 375.29 82.10 Td (as ) Tj ET Q q 0 0 0 rg BT 385.45 82.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 427.82 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 437.98 82.10 Td (other ) Tj ET Q q 0 0 0 rg BT 460.36 82.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 478.28 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 494.55 82.10 Td (char) Tj ET Q q 0 0 0 rg BT 511.58 82.10 Td (ges, ) Tj ET Q q 0 0 0 rg BT 529.24 82.10 Td (together ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (with ) Tj ET Q q 0 0 0 rg BT 69.94 70.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 116.53 70.10 Td (on ) Tj ET Q q 0 0 0 rg BT 128.69 70.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 153.61 70.10 Td (terms, ) Tj ET Q q 0 0 0 rg BT 180.48 70.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 222.07 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 238.67 70.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 290.80 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 307.39 70.10 Td (other ) Tj ET Q q 0 0 0 rg BT 330.10 70.10 Td (aspects ) Tj ET Q q 0 0 0 rg BT 361.13 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 371.62 70.10 Td (extending ) Tj ET Q q 0 0 0 rg BT 413.21 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 429.81 70.10 Td (collecting ) Tj ET Q q 0 0 0 rg BT 471.40 70.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 512.43 70.10 Td (credit. ) Tj ET Q q 0 0 0 rg BT 539.85 70.10 Td ( ) Tj ET Q q 0 0 0 rg BT 542.01 70.10 Td (State ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 91.77 58.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 124.08 58.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 145.30 58.10 Td (vary ) Tj ET Q q 0 0 0 rg BT 165.95 58.10 Td (from ) Tj ET Q q 0 0 0 rg BT 188.28 58.10 Td (state ) Tj ET Q q 0 0 0 rg BT 209.49 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 220.16 58.10 Td (state. ) Tj ET Q q 0 0 0 rg BT 243.87 58.10 Td ( ) Tj ET Q q 0 0 0 rg BT 246.55 58.10 Td (The ) Tj ET Q q 0 0 0 rg BT 264.99 58.10 Td (making ) Tj ET Q q 0 0 0 rg BT 297.87 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 315.20 58.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 354.74 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 365.96 58.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 407.72 58.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 431.72 58.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 469.60 58.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 504.69 58.10 Td (state ) Tj ET Q q 0 0 0 rg BT 525.91 58.10 Td (licensing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (which ) Tj ET Q q 0 0 0 rg BT 76.41 46.10 Td (entails ) Tj ET Q q 0 0 0 rg BT 104.49 46.10 Td (heightened ) Tj ET Q q 0 0 0 rg BT 150.34 46.10 Td (supervision, ) Tj ET Q q 0 0 0 rg BT 200.92 46.10 Td (examination, ) Tj ET Q q 0 0 0 rg BT 254.83 46.10 Td (and ) Tj ET Q q 0 0 0 rg BT 271.24 46.10 Td (other ) Tj ET Q q 0 0 0 rg BT 293.76 46.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 347.94 46.10 Td (which ) Tj ET Q q 0 0 0 rg BT 374.35 46.10 Td (may ) Tj ET Q q 0 0 0 rg BT 393.54 46.10 Td (not ) Tj ET Q q 0 0 0 rg BT 408.30 46.10 Td (be ) Tj ET Q q 0 0 0 rg BT 419.71 46.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 462.78 46.10 Td (to ) Tj ET Q q 0 0 0 rg BT 472.53 46.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 495.05 46.10 Td (sellers ) Tj ET Q q 0 0 0 rg BT 522.57 46.10 Td (extending ) Tj ET Q endstream endobj 27 0 obj <>] /Rotate 0 /Contents 28 0 R>> endobj 28 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 74.32 742.10 Td (under ) Tj ET Q q 0 0 0 rg BT 98.65 742.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 120.75 742.10 Td (installment ) Tj ET Q q 0 0 0 rg BT 166.75 742.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 183.86 742.10 Td (contracts. ) Tj ET Q q 0 0 0 rg BT 224.01 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 225.57 742.10 Td (Pursuant ) Tj ET Q q 0 0 0 rg BT 262.13 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 271.47 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 285.25 742.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 335.35 742.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 353.85 742.10 Td (state ) Tj ET Q q 0 0 0 rg BT 373.73 742.10 Td (attorneys ) Tj ET Q q 0 0 0 rg BT 411.95 742.10 Td (general ) Tj ET Q q 0 0 0 rg BT 442.93 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 458.93 742.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 503.25 742.10 Td (state ) Tj ET Q q 0 0 0 rg BT 523.14 742.10 Td (consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 82.55 730.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 126.77 730.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 164.32 730.10 Td (may ) Tj ET Q q 0 0 0 rg BT 184.66 730.10 Td (enforce ) Tj ET Q q 0 0 0 rg BT 217.76 730.10 Td (specified ) Tj ET Q q 0 0 0 rg BT 256.98 730.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 287.86 730.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 329.86 730.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 362.41 730.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 383.86 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 401.43 730.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 433.44 730.10 Td (penalties ) Tj ET Q q 0 0 0 rg BT 472.10 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 489.67 730.10 Td (remedies ) Tj ET Q q 0 0 0 rg BT 528.89 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 543.67 730.10 Td (their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (violation. ) Tj ET Q q 0 0 0 rg BT 90.29 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 92.38 718.10 Td (W) Tj ET Q q 0 0 0 rg BT 101.01 718.10 Td (e ) Tj ET Q q 0 0 0 rg BT 107.69 718.10 Td (routinely ) Tj ET Q q 0 0 0 rg BT 146.04 718.10 Td (review ) Tj ET Q q 0 0 0 rg BT 175.49 718.10 Td (our ) Tj ET Q q 0 0 0 rg BT 191.06 718.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 229.40 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 246.08 718.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 292.19 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 302.21 718.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 330.55 718.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 378.88 718.10 Td (with ) Tj ET Q q 0 0 0 rg BT 398.90 718.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 442.24 718.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 483.36 718.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 508.36 718.10 Td (laws. ) Tj ET Q q 0 0 0 rg BT 531.44 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 533.68 718.10 Td (Failure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.45 706.10 Td (our ) Tj ET Q q 0 0 0 rg BT 78.23 706.10 Td (part ) Tj ET Q q 0 0 0 rg BT 96.22 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 106.45 706.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 138.89 706.10 Td (with ) Tj ET Q q 0 0 0 rg BT 159.12 706.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 202.66 706.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 223.44 706.10 Td (could ) Tj ET Q q 0 0 0 rg BT 248.10 706.10 Td (expose ) Tj ET Q q 0 0 0 rg BT 278.32 706.10 Td (us ) Tj ET Q q 0 0 0 rg BT 289.66 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 299.89 706.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 341.21 706.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 379.77 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 396.66 706.10 Td (government ) Tj ET Q q 0 0 0 rg BT 446.87 706.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 499.29 706.10 Td (action, ) Tj ET Q q 0 0 0 rg BT 528.67 706.10 Td (possibly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 87.57 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 97.92 694.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 143.26 694.10 Td (penalties ) Tj ET Q q 0 0 0 rg BT 181.38 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 198.39 694.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 227.06 694.10 Td (for ) Tj ET Q q 0 0 0 rg BT 241.30 694.10 Td (damages ) Tj ET Q q 0 0 0 rg BT 278.85 694.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 298.37 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 308.72 694.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 338.49 694.10 Td (circumstances, ) Tj ET Q q 0 0 0 rg BT 400.20 694.10 Td (may ) Tj ET Q q 0 0 0 rg BT 419.99 694.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 450.89 694.10 Td (us ) Tj ET Q q 0 0 0 rg BT 462.35 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 472.70 694.10 Td (injunctions, ) Tj ET Q q 0 0 0 rg BT 522.22 694.10 Td (require ) Tj ET Q q 0 0 0 rg BT 553.11 694.10 Td (us ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.97 682.10 Td (refund ) Tj ET Q q 0 0 0 rg BT 90.26 682.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 122.88 682.10 Td (char) Tj ET Q q 0 0 0 rg BT 139.91 682.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 156.43 682.10 Td (already ) Tj ET Q q 0 0 0 rg BT 189.05 682.10 Td (paid, ) Tj ET Q q 0 0 0 rg BT 211.96 682.10 Td (for) Tj ET Q q 0 0 0 rg BT 223.44 682.10 Td (go ) Tj ET Q q 0 0 0 rg BT 236.63 682.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 269.25 682.10 Td (char) Tj ET Q q 0 0 0 rg BT 286.27 682.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 302.80 682.10 Td (not ) Tj ET Q q 0 0 0 rg BT 318.77 682.10 Td (yet ) Tj ET Q q 0 0 0 rg BT 334.18 682.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 354.59 682.10 Td (under ) Tj ET Q q 0 0 0 rg BT 380.55 682.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 406.51 682.10 Td (accounts, ) Tj ET Q q 0 0 0 rg BT 447.19 682.10 Td (change ) Tj ET Q q 0 0 0 rg BT 478.70 682.10 Td (our ) Tj ET Q q 0 0 0 rg BT 495.22 682.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 521.18 682.10 Td (extension, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (servicing, ) Tj ET Q q 0 0 0 rg BT 91.29 670.10 Td (collection, ) Tj ET Q q 0 0 0 rg BT 135.35 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 151.93 670.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 194.61 670.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 232.27 670.10 Td (or ) Tj ET Q q 0 0 0 rg BT 242.74 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 249.31 670.10 Td (combination ) Tj ET Q q 0 0 0 rg BT 301.44 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 311.90 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 326.25 670.10 Td (foregoing. ) Tj ET Q q 0 0 0 rg BT 369.61 670.10 Td (W) Tj ET Q q 0 0 0 rg BT 378.25 670.10 Td (e ) Tj ET Q q 0 0 0 rg BT 384.82 670.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 415.83 670.10 Td (that ) Tj ET Q q 0 0 0 rg BT 432.96 670.10 Td (we ) Tj ET Q q 0 0 0 rg BT 446.76 670.10 Td (are ) Tj ET Q q 0 0 0 rg BT 461.10 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 471.01 670.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 515.92 670.10 Td (compliance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (with ) Tj ET Q q 0 0 0 rg BT 70.28 658.10 Td (all ) Tj ET Q q 0 0 0 rg BT 82.77 658.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 126.36 658.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 156.62 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 173.55 658.10 Td (state ) Tj ET Q q 0 0 0 rg BT 194.38 658.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 235.76 658.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 261.02 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 277.96 658.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 319.89 658.10 Td (laws.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.87 640.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 85.74 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 96.39 640.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 121.47 640.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 162.11 640.10 Td (products ) Tj ET Q q 0 0 0 rg BT 198.87 640.10 Td (by ) Tj ET Q q 0 0 0 rg BT 211.19 640.10 Td (us ) Tj ET Q q 0 0 0 rg BT 222.41 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 239.17 640.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 270.93 640.10 Td (by ) Tj ET Q q 0 0 0 rg BT 283.25 640.10 Td (an ) Tj ET Q q 0 0 0 rg BT 295.01 640.10 Td (unaf) Tj ET Q q 0 0 0 rg BT 312.60 640.10 Td (filiated ) Tj ET Q q 0 0 0 rg BT 343.24 640.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 383.88 640.10 Td (provider ) Tj ET Q q 0 0 0 rg BT 420.08 640.10 Td (include ) Tj ET Q q 0 0 0 rg BT 451.83 640.10 Td (property) Tj ET Q q 0 0 0 rg BT 485.06 640.10 Td (, ) Tj ET Q q 0 0 0 rg BT 489.88 640.10 Td (life, ) Tj ET Q q 0 0 0 rg BT 508.03 640.10 Td (disability ) Tj ET Q q 0 0 0 rg BT 547.57 640.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (involuntary ) Tj ET Q q 0 0 0 rg BT 99.80 628.10 Td (unemployment ) Tj ET Q q 0 0 0 rg BT 163.49 628.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 189.95 628.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 231.97 628.10 Td (products ) Tj ET Q q 0 0 0 rg BT 270.10 628.10 Td (is ) Tj ET Q q 0 0 0 rg BT 280.47 628.10 Td (also ) Tj ET Q q 0 0 0 rg BT 300.28 628.10 Td (highly ) Tj ET Q q 0 0 0 rg BT 329.54 628.10 Td (regulated. ) Tj ET Q q 0 0 0 rg BT 372.94 628.10 Td ( ) Tj ET Q q 0 0 0 rg BT 376.37 628.10 Td (These ) Tj ET Q q 0 0 0 rg BT 403.94 628.10 Td (products ) Tj ET Q q 0 0 0 rg BT 442.08 628.10 Td (are ) Tj ET Q q 0 0 0 rg BT 457.99 628.10 Td (only ) Tj ET Q q 0 0 0 rg BT 479.46 628.10 Td (of) Tj ET Q q 0 0 0 rg BT 487.61 628.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 511.85 628.10 Td (with ) Tj ET Q q 0 0 0 rg BT 533.33 628.10 Td (a ) Tj ET Q q 0 0 0 rg BT 541.46 628.10 Td (retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (installment ) Tj ET Q q 0 0 0 rg BT 97.30 616.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 119.61 616.10 Td (or ) Tj ET Q q 0 0 0 rg BT 130.81 616.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 150.89 616.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 185.96 616.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 230.46 616.10 Td (purchase. ) Tj ET Q q 0 0 0 rg BT 271.37 616.10 Td (State ) Tj ET Q q 0 0 0 rg BT 294.23 616.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 315.42 616.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 354.38 616.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 386.14 616.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 429.55 616.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 476.86 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 494.17 616.10 Td (other ) Tj ET Q q 0 0 0 rg BT 517.58 616.10 Td (restrictions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (with ) Tj ET Q q 0 0 0 rg BT 69.59 604.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 99.73 604.10 Td (to ) Tj ET Q q 0 0 0 rg BT 109.32 604.10 Td (our ) Tj ET Q q 0 0 0 rg BT 124.47 604.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 145.72 604.10 Td (of ) Tj ET Q q 0 0 0 rg BT 155.87 604.10 Td (these ) Tj ET Q q 0 0 0 rg BT 178.23 604.10 Td (products, ) Tj ET Q q 0 0 0 rg BT 216.99 604.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 247.69 604.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 292.29 604.10 Td (on ) Tj ET Q q 0 0 0 rg BT 304.10 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 318.13 604.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 349.95 604.10 Td (of ) Tj ET Q q 0 0 0 rg BT 360.09 604.10 Td (premiums ) Tj ET Q q 0 0 0 rg BT 401.90 604.10 Td (that ) Tj ET Q q 0 0 0 rg BT 418.72 604.10 Td (we ) Tj ET Q q 0 0 0 rg BT 432.19 604.10 Td (may ) Tj ET Q q 0 0 0 rg BT 451.23 604.10 Td (char) Tj ET Q q 0 0 0 rg BT 468.25 604.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 479.51 604.10 Td (and ) Tj ET Q q 0 0 0 rg BT 495.76 604.10 Td (require ) Tj ET Q q 0 0 0 rg BT 525.89 604.10 Td (licensing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.24 592.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 91.35 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.58 592.10 Td (our ) Tj ET Q q 0 0 0 rg BT 118.82 592.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 164.49 592.10 Td (and ) Tj ET Q q 0 0 0 rg BT 181.83 592.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 222.51 592.10 Td (entities. ) Tj ET Q q 0 0 0 rg BT 256.79 592.10 Td (State ) Tj ET Q q 0 0 0 rg BT 279.70 592.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 300.93 592.10 Td (with ) Tj ET Q q 0 0 0 rg BT 321.62 592.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 352.84 592.10 Td (to ) Tj ET Q q 0 0 0 rg BT 363.52 592.10 Td (these ) Tj ET Q q 0 0 0 rg BT 386.98 592.10 Td (products ) Tj ET Q q 0 0 0 rg BT 424.32 592.10 Td (vary ) Tj ET Q q 0 0 0 rg BT 445.00 592.10 Td (from ) Tj ET Q q 0 0 0 rg BT 467.34 592.10 Td (state ) Tj ET Q q 0 0 0 rg BT 488.58 592.10 Td (to ) Tj ET Q q 0 0 0 rg BT 499.26 592.10 Td (state. ) Tj ET Q q 0 0 0 rg BT 522.99 592.10 Td (Failure ) Tj ET Q q 0 0 0 rg BT 554.23 592.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 81.51 580.10 Td (with ) Tj ET Q q 0 0 0 rg BT 100.80 580.10 Td (these ) Tj ET Q q 0 0 0 rg BT 122.86 580.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 142.70 580.10 Td (could ) Tj ET Q q 0 0 0 rg BT 166.43 580.10 Td (expose ) Tj ET Q q 0 0 0 rg BT 195.71 580.10 Td (us ) Tj ET Q q 0 0 0 rg BT 206.12 580.10 Td (to ) Tj ET Q q 0 0 0 rg BT 215.41 580.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 255.80 580.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 293.42 580.10 Td (and ) Tj ET Q q 0 0 0 rg BT 309.37 580.10 Td (government ) Tj ET Q q 0 0 0 rg BT 358.65 580.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 410.13 580.10 Td (action, ) Tj ET Q q 0 0 0 rg BT 438.58 580.10 Td (possibly ) Tj ET Q q 0 0 0 rg BT 473.43 580.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 509.94 580.10 Td (in ) Tj ET Q q 0 0 0 rg BT 519.23 580.10 Td (substantial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (penalties ) Tj ET Q q 0 0 0 rg BT 88.29 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 105.47 568.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 134.32 568.10 Td (for ) Tj ET Q q 0 0 0 rg BT 148.73 568.10 Td (damages, ) Tj ET Q q 0 0 0 rg BT 188.96 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 206.14 568.10 Td (in ) Tj ET Q q 0 0 0 rg BT 216.67 568.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 246.61 568.10 Td (circumstances, ) Tj ET Q q 0 0 0 rg BT 308.50 568.10 Td (may ) Tj ET Q q 0 0 0 rg BT 328.46 568.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 359.53 568.10 Td (us ) Tj ET Q q 0 0 0 rg BT 371.17 568.10 Td (to ) Tj ET Q q 0 0 0 rg BT 381.69 568.10 Td (injunctions ) Tj ET Q q 0 0 0 rg BT 428.88 568.10 Td (or ) Tj ET Q q 0 0 0 rg BT 439.96 568.10 Td (require ) Tj ET Q q 0 0 0 rg BT 471.02 568.10 Td (us ) Tj ET Q q 0 0 0 rg BT 482.66 568.10 Td (to ) Tj ET Q q 0 0 0 rg BT 493.18 568.10 Td (refund ) Tj ET Q q 0 0 0 rg BT 522.02 568.10 Td (premiums ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.71 556.10 Td (change ) Tj ET Q q 0 0 0 rg BT 91.40 556.10 Td (our ) Tj ET Q q 0 0 0 rg BT 107.11 556.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 140.59 556.10 Td (and ) Tj ET Q q 0 0 0 rg BT 157.41 556.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 203.65 556.10 Td (with ) Tj ET Q q 0 0 0 rg BT 223.81 556.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 254.50 556.10 Td (to ) Tj ET Q q 0 0 0 rg BT 264.66 556.10 Td (these ) Tj ET Q q 0 0 0 rg BT 287.58 556.10 Td (products ) Tj ET Q q 0 0 0 rg BT 324.40 556.10 Td (and ) Tj ET Q q 0 0 0 rg BT 341.22 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 355.81 556.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 398.73 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 409.44 556.10 Td (these ) Tj ET Q q 0 0 0 rg BT 432.36 556.10 Td (products ) Tj ET Q q 0 0 0 rg BT 469.18 556.10 Td (or ) Tj ET Q q 0 0 0 rg BT 479.89 556.10 Td (a ) Tj ET Q q 0 0 0 rg BT 486.70 556.10 Td (combination ) Tj ET Q q 0 0 0 rg BT 539.07 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 556.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (foregoing. ) Tj ET Q q 0 0 0 rg BT 93.93 544.10 Td (W) Tj ET Q q 0 0 0 rg BT 102.57 544.10 Td (e ) Tj ET Q q 0 0 0 rg BT 109.76 544.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 141.39 544.10 Td (we ) Tj ET Q q 0 0 0 rg BT 155.80 544.10 Td (are ) Tj ET Q q 0 0 0 rg BT 170.76 544.10 Td (in ) Tj ET Q q 0 0 0 rg BT 181.29 544.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 226.82 544.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 275.67 544.10 Td (with ) Tj ET Q q 0 0 0 rg BT 296.20 544.10 Td (all ) Tj ET Q q 0 0 0 rg BT 308.95 544.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 352.79 544.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 373.87 544.10 Td (and ) Tj ET Q q 0 0 0 rg BT 391.07 544.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 438.25 544.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 471.55 544.10 Td (to ) Tj ET Q q 0 0 0 rg BT 482.08 544.10 Td (our ) Tj ET Q q 0 0 0 rg BT 498.17 544.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 523.68 544.10 Td (insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.41 514.10 Td (conjunction ) Tj ET Q q 0 0 0 rg BT 111.70 514.10 Td (with ) Tj ET Q q 0 0 0 rg BT 132.56 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.85 514.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 166.48 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 177.89 514.10 Td (merchandise, ) Tj ET Q q 0 0 0 rg BT 234.00 514.10 Td (we ) Tj ET Q q 0 0 0 rg BT 248.74 514.10 Td (of) Tj ET Q q 0 0 0 rg BT 256.88 514.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 271.06 514.10 Td (our ) Tj ET Q q 0 0 0 rg BT 287.47 514.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 331.10 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 346.39 514.10 Td (opportunity ) Tj ET Q q 0 0 0 rg BT 396.14 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 406.99 514.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 445.61 514.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 472.00 514.10 Td (service ) Tj ET Q q 0 0 0 rg BT 503.40 514.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 552.01 514.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (specified ) Tj ET Q q 0 0 0 rg BT 87.75 502.10 Td (products. ) Tj ET Q q 0 0 0 rg BT 126.23 502.10 Td (These ) Tj ET Q q 0 0 0 rg BT 151.77 502.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 189.52 502.10 Td (are ) Tj ET Q q 0 0 0 rg BT 203.39 502.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 234.47 502.10 Td (into ) Tj ET Q q 0 0 0 rg BT 251.68 502.10 Td (between ) Tj ET Q q 0 0 0 rg BT 286.66 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 300.54 502.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 338.85 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 354.95 502.10 Td (an ) Tj ET Q q 0 0 0 rg BT 366.04 502.10 Td (unaf) Tj ET Q q 0 0 0 rg BT 383.63 502.10 Td (filiated ) Tj ET Q q 0 0 0 rg BT 413.61 502.10 Td (service ) Tj ET Q q 0 0 0 rg BT 443.59 502.10 Td (provider) Tj ET Q q 0 0 0 rg BT 476.91 502.10 Td (. ) Tj ET Q q 0 0 0 rg BT 480.95 502.10 Td (The ) Tj ET Q q 0 0 0 rg BT 498.16 502.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 535.91 502.10 Td (enable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 490.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 103.87 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 114.15 490.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 141.64 490.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 167.46 490.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 195.50 490.10 Td (replacement ) Tj ET Q q 0 0 0 rg BT 246.86 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 257.69 490.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 287.39 490.10 Td (eligible ) Tj ET Q q 0 0 0 rg BT 319.88 490.10 Td (products ) Tj ET Q q 0 0 0 rg BT 356.82 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 367.09 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 381.81 490.10 Td (event ) Tj ET Q q 0 0 0 rg BT 405.96 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 416.79 490.10 Td (specified ) Tj ET Q q 0 0 0 rg BT 455.38 490.10 Td (failures ) Tj ET Q q 0 0 0 rg BT 487.87 490.10 Td (as ) Tj ET Q q 0 0 0 rg BT 498.70 490.10 Td (described ) Tj ET Q q 0 0 0 rg BT 539.51 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 490.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 75.71 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 93.64 478.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 138.79 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 150.61 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 166.32 478.10 Td (contract. ) Tj ET Q q 0 0 0 rg BT 204.26 478.10 Td (The ) Tj ET Q q 0 0 0 rg BT 223.30 478.10 Td (service ) Tj ET Q q 0 0 0 rg BT 255.10 478.10 Td (provider) Tj ET Q q 0 0 0 rg BT 288.58 478.10 Td (, ) Tj ET Q q 0 0 0 rg BT 294.57 478.10 Td (which ) Tj ET Q q 0 0 0 rg BT 322.50 478.10 Td (is ) Tj ET Q q 0 0 0 rg BT 332.66 478.10 Td (financially ) Tj ET Q q 0 0 0 rg BT 378.91 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 396.83 478.10 Td (legally ) Tj ET Q q 0 0 0 rg BT 427.54 478.10 Td (obligated ) Tj ET Q q 0 0 0 rg BT 468.24 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 479.51 478.10 Td (perform ) Tj ET Q q 0 0 0 rg BT 515.20 478.10 Td (under ) Tj ET Q q 0 0 0 rg BT 541.46 478.10 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (contracts, ) Tj ET Q q 0 0 0 rg BT 90.54 466.10 Td (has ) Tj ET Q q 0 0 0 rg BT 105.81 466.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 137.18 466.10 Td (into ) Tj ET Q q 0 0 0 rg BT 154.68 466.10 Td (a ) Tj ET Q q 0 0 0 rg BT 161.06 466.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 195.21 466.10 Td (with ) Tj ET Q q 0 0 0 rg BT 214.93 466.10 Td (our ) Tj ET Q q 0 0 0 rg BT 230.20 466.10 Td (af) Tj ET Q q 0 0 0 rg BT 237.79 466.10 Td (filiate ) Tj ET Q q 0 0 0 rg BT 263.05 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 272.77 466.10 Td (administer ) Tj ET Q q 0 0 0 rg BT 316.93 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 331.09 466.10 Td (contracts. ) Tj ET Q q 0 0 0 rg BT 371.49 466.10 Td (W) Tj ET Q q 0 0 0 rg BT 380.12 466.10 Td (e ) Tj ET Q q 0 0 0 rg BT 386.50 466.10 Td (post ) Tj ET Q q 0 0 0 rg BT 405.12 466.10 Td (descriptions ) Tj ET Q q 0 0 0 rg BT 455.39 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 465.66 466.10 Td (these ) Tj ET Q q 0 0 0 rg BT 488.15 466.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 526.19 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 542.57 466.10 Td (links ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.66 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 73.75 454.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 107.83 454.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 131.93 454.10 Td (on ) Tj ET Q q 0 0 0 rg BT 143.81 454.10 Td (our ) Tj ET Q q 0 0 0 rg BT 159.02 454.10 Td (website. ) Tj ET Q q 0 0 0 rg BT 193.94 454.10 Td (Service ) Tj ET Q q 0 0 0 rg BT 225.81 454.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 263.78 454.10 Td (require ) Tj ET Q q 0 0 0 rg BT 293.97 454.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 330.29 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 340.50 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 346.81 454.10 Td (segregated ) Tj ET Q q 0 0 0 rg BT 391.45 454.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 405.53 454.10 Td (which ) Tj ET Q q 0 0 0 rg BT 431.85 454.10 Td (may ) Tj ET Q q 0 0 0 rg BT 450.95 454.10 Td (be ) Tj ET Q q 0 0 0 rg BT 462.26 454.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 504.68 454.10 Td (by ) Tj ET Q q 0 0 0 rg BT 516.56 454.10 Td (cash, ) Tj ET Q q 0 0 0 rg BT 538.71 454.10 Td (check ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.64 442.10 Td (financed ) Tj ET Q q 0 0 0 rg BT 97.37 442.10 Td (by ) Tj ET Q q 0 0 0 rg BT 109.68 442.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 152.54 442.10 Td (entering ) Tj ET Q q 0 0 0 rg BT 187.61 442.10 Td (into ) Tj ET Q q 0 0 0 rg BT 205.47 442.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 228.32 442.10 Td (installment ) Tj ET Q q 0 0 0 rg BT 275.07 442.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 292.93 442.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 331.33 442.10 Td (with ) Tj ET Q q 0 0 0 rg BT 351.42 442.10 Td (Conn ) Tj ET Q q 0 0 0 rg BT 374.88 442.10 Td (Appliances, ) Tj ET Q q 0 0 0 rg BT 424.68 442.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 442.25 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 452.89 442.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 472.42 442.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 520.26 442.10 Td (with ) Tj ET Q q 0 0 0 rg BT 540.35 442.10 Td (Conn ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 77.89 430.10 Td (Corporation. ) Tj ET Q q 0 0 0 rg BT 131.60 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 134.28 430.10 Td (The ) Tj ET Q q 0 0 0 rg BT 152.72 430.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 183.37 430.10 Td (Magnusson-Moss ) Tj ET Q q 0 0 0 rg BT 257.17 430.10 Td (W) Tj ET Q q 0 0 0 rg BT 265.80 430.10 Td (arranty ) Tj ET Q q 0 0 0 rg BT 296.37 430.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 313.70 430.10 Td (governs ) Tj ET Q q 0 0 0 rg BT 348.25 430.10 Td (written ) Tj ET Q q 0 0 0 rg BT 379.47 430.10 Td (warranties ) Tj ET Q q 0 0 0 rg BT 424.00 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 441.33 430.10 Td (service ) Tj ET Q q 0 0 0 rg BT 472.54 430.10 Td (contracts. ) Tj ET Q q 0 0 0 rg BT 514.02 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 516.91 430.10 Td (For ) Tj ET Q q 0 0 0 rg BT 533.69 430.10 Td (service ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 88.72 418.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 120.77 418.10 Td (into ) Tj ET Q q 0 0 0 rg BT 138.95 418.10 Td (with ) Tj ET Q q 0 0 0 rg BT 159.16 418.10 Td (T) Tj ET Q q 0 0 0 rg BT 164.57 418.10 Td (exas ) Tj ET Q q 0 0 0 rg BT 184.96 418.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 230.64 418.10 Td (state ) Tj ET Q q 0 0 0 rg BT 251.59 418.10 Td (law ) Tj ET Q q 0 0 0 rg BT 268.65 418.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 303.48 418.10 Td (registration ) Tj ET Q q 0 0 0 rg BT 351.65 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 362.60 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 377.44 418.10 Td (service ) Tj ET Q q 0 0 0 rg BT 408.38 418.10 Td (provider ) Tj ET Q q 0 0 0 rg BT 444.88 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 461.95 418.10 Td (Conn ) Tj ET Q q 0 0 0 rg BT 485.66 418.10 Td (Appliances, ) Tj ET Q q 0 0 0 rg BT 535.77 418.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 553.67 418.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (an ) Tj ET Q q 0 0 0 rg BT 62.56 406.10 Td (administrator) Tj ET Q q 0 0 0 rg BT 115.48 406.10 Td (, ) Tj ET Q q 0 0 0 rg BT 121.11 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 128.67 406.10 Td (reimbursement ) Tj ET Q q 0 0 0 rg BT 191.77 406.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 233.21 406.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 261.33 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 278.89 406.10 Td (other ) Tj ET Q q 0 0 0 rg BT 302.57 406.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 357.89 406.10 Td (on ) Tj ET Q q 0 0 0 rg BT 371.02 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 386.36 406.10 Td (service ) Tj ET Q q 0 0 0 rg BT 417.80 406.10 Td (provider) Tj ET Q q 0 0 0 rg BT 451.27 406.10 Td (, ) Tj ET Q q 0 0 0 rg BT 456.90 406.10 Td (responsibilities ) Tj ET Q q 0 0 0 rg BT 520.57 406.10 Td (on ) Tj ET Q q 0 0 0 rg BT 533.70 406.10 Td (service ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 85.03 394.10 Td (sellers, ) Tj ET Q q 0 0 0 rg BT 115.91 394.10 Td (record-keeping ) Tj ET Q q 0 0 0 rg BT 179.27 394.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 236.80 394.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 284.07 394.10 Td (on ) Tj ET Q q 0 0 0 rg BT 296.90 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 311.95 394.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 330.33 394.10 Td (or ) Tj ET Q q 0 0 0 rg BT 341.49 394.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 384.86 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 396.03 394.10 Td (service ) Tj ET Q q 0 0 0 rg BT 427.17 394.10 Td (contracts, ) Tj ET Q q 0 0 0 rg BT 468.60 394.10 Td (required ) Tj ET Q q 0 0 0 rg BT 504.75 394.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 539.78 394.10 Td (terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.01 382.10 Td (disclosures, ) Tj ET Q q 0 0 0 rg BT 116.52 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 133.52 382.10 Td (cancellation ) Tj ET Q q 0 0 0 rg BT 184.40 382.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 241.67 382.10 Td (among ) Tj ET Q q 0 0 0 rg BT 271.46 382.10 Td (other ) Tj ET Q q 0 0 0 rg BT 294.58 382.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 349.35 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 366.36 382.10 Td (prohibitions. ) Tj ET Q q 0 0 0 rg BT 419.76 382.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 445.10 382.10 Td (states ) Tj ET Q q 0 0 0 rg BT 469.89 382.10 Td (vary ) Tj ET Q q 0 0 0 rg BT 490.22 382.10 Td (in ) Tj ET Q q 0 0 0 rg BT 500.57 382.10 Td (their ) Tj ET Q q 0 0 0 rg BT 521.47 382.10 Td (regulation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.55 370.10 Td (these ) Tj ET Q q 0 0 0 rg BT 83.33 370.10 Td (contracts. ) Tj ET Q q 0 0 0 rg BT 123.98 370.10 Td (V) Tj ET Q q 0 0 0 rg BT 130.60 370.10 Td (iolation ) Tj ET Q q 0 0 0 rg BT 163.38 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 173.93 370.10 Td (these ) Tj ET Q q 0 0 0 rg BT 196.70 370.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 217.26 370.10 Td (can ) Tj ET Q q 0 0 0 rg BT 233.36 370.10 Td (result ) Tj ET Q q 0 0 0 rg BT 257.80 370.10 Td (in ) Tj ET Q q 0 0 0 rg BT 267.80 370.10 Td (injunctive ) Tj ET Q q 0 0 0 rg BT 310.02 370.10 Td (relief, ) Tj ET Q q 0 0 0 rg BT 335.84 370.10 Td (civil ) Tj ET Q q 0 0 0 rg BT 355.83 370.10 Td (penalties, ) Tj ET Q q 0 0 0 rg BT 396.10 370.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 423.87 370.10 Td (other ) Tj ET Q q 0 0 0 rg BT 446.64 370.10 Td (remedies. ) Tj ET Q q 0 0 0 rg BT 487.46 370.10 Td ( ) Tj ET Q q 0 0 0 rg BT 489.52 370.10 Td (W) Tj ET Q q 0 0 0 rg BT 498.16 370.10 Td (e ) Tj ET Q q 0 0 0 rg BT 504.82 370.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 535.92 370.10 Td (we ) Tj ET Q q 0 0 0 rg BT 549.80 370.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.09 358.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 105.17 358.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 153.57 358.10 Td (with ) Tj ET Q q 0 0 0 rg BT 173.66 358.10 Td (all ) Tj ET Q q 0 0 0 rg BT 185.97 358.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 229.37 358.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 250.01 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 266.76 358.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 313.50 358.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 346.36 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 356.45 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 370.97 358.10 Td (of) Tj ET Q q 0 0 0 rg BT 379.12 358.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 405.31 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 422.06 358.10 Td (administration ) Tj ET Q q 0 0 0 rg BT 482.14 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 492.78 358.10 Td (service ) Tj ET Q q 0 0 0 rg BT 523.41 358.10 Td (contracts.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (Employees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (As ) Tj ET Q q 0 0 0 rg BT 62.85 322.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.92 322.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 120.76 322.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.76 322.10 Td (, ) Tj ET Q q 0 0 0 rg BT 145.00 322.10 Td (we ) Tj ET Q q 0 0 0 rg BT 158.41 322.10 Td (had ) Tj ET Q q 0 0 0 rg BT 174.58 322.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 234.08 322.10 Td (4,000 ) Tj ET Q q 0 0 0 rg BT 258.33 322.10 Td (full-time ) Tj ET Q q 0 0 0 rg BT 295.06 322.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 339.56 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 355.74 322.10 Td (250 ) Tj ET Q q 0 0 0 rg BT 372.48 322.10 Td (part-time ) Tj ET Q q 0 0 0 rg BT 410.87 322.10 Td (employees. ) Tj ET Q q 0 0 0 rg BT 457.88 322.10 Td ( ) Tj ET Q q 0 0 0 rg BT 459.49 322.10 Td (W) Tj ET Q q 0 0 0 rg BT 468.13 322.10 Td (e ) Tj ET Q q 0 0 0 rg BT 474.31 322.10 Td (of) Tj ET Q q 0 0 0 rg BT 482.46 322.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 495.30 322.10 Td (a ) Tj ET Q q 0 0 0 rg BT 501.48 322.10 Td (comprehensive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 84.30 310.10 Td (package ) Tj ET Q q 0 0 0 rg BT 119.69 310.10 Td (for ) Tj ET Q q 0 0 0 rg BT 133.99 310.10 Td (eligible ) Tj ET Q q 0 0 0 rg BT 166.63 310.10 Td (employees, ) Tj ET Q q 0 0 0 rg BT 214.53 310.10 Td (including ) Tj ET Q q 0 0 0 rg BT 254.95 310.10 Td (health, ) Tj ET Q q 0 0 0 rg BT 284.52 310.10 Td (life, ) Tj ET Q q 0 0 0 rg BT 302.99 310.10 Td (short- ) Tj ET Q q 0 0 0 rg BT 328.96 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 346.04 310.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 388.12 310.10 Td (disability) Tj ET Q q 0 0 0 rg BT 424.69 310.10 Td (, ) Tj ET Q q 0 0 0 rg BT 429.83 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 446.91 310.10 Td (dental ) Tj ET Q q 0 0 0 rg BT 473.98 310.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 514.94 310.10 Td (coverage ) Tj ET Q q 0 0 0 rg BT 553.67 310.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (well ) Tj ET Q q 0 0 0 rg BT 68.82 298.10 Td (as ) Tj ET Q q 0 0 0 rg BT 78.76 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 84.80 298.10 Td (401\(k\) ) Tj ET Q q 0 0 0 rg BT 113.07 298.10 Td (plan, ) Tj ET Q q 0 0 0 rg BT 134.39 298.10 Td (employee ) Tj ET Q q 0 0 0 rg BT 174.87 298.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 197.59 298.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 234.73 298.10 Td (plan, ) Tj ET Q q 0 0 0 rg BT 256.05 298.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 274.88 298.10 Td (vacation ) Tj ET Q q 0 0 0 rg BT 310.36 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 326.40 298.10 Td (holiday ) Tj ET Q q 0 0 0 rg BT 358.00 298.10 Td (pay) Tj ET Q q 0 0 0 rg BT 371.79 298.10 Td (. ) Tj ET Q q 0 0 0 rg BT 375.90 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 377.50 298.10 Td (None ) Tj ET Q q 0 0 0 rg BT 400.77 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 410.71 298.10 Td (our ) Tj ET Q q 0 0 0 rg BT 425.64 298.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 470.01 298.10 Td (are ) Tj ET Q q 0 0 0 rg BT 483.83 298.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 513.76 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 523.14 298.10 Td (collective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (bar) Tj ET Q q 0 0 0 rg BT 62.59 286.10 Td (gaining ) Tj ET Q q 0 0 0 rg BT 95.66 286.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 144.26 286.10 Td (governing ) Tj ET Q q 0 0 0 rg BT 187.88 286.10 Td (their ) Tj ET Q q 0 0 0 rg BT 209.28 286.10 Td (employment ) Tj ET Q q 0 0 0 rg BT 262.34 286.10 Td (with ) Tj ET Q q 0 0 0 rg BT 283.19 286.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 297.66 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 315.17 286.10 Td (we ) Tj ET Q q 0 0 0 rg BT 329.90 286.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 361.85 286.10 Td (that ) Tj ET Q q 0 0 0 rg BT 379.91 286.10 Td (our ) Tj ET Q q 0 0 0 rg BT 396.32 286.10 Td (employee ) Tj ET Q q 0 0 0 rg BT 438.26 286.10 Td (relations ) Tj ET Q q 0 0 0 rg BT 475.77 286.10 Td (are ) Tj ET Q q 0 0 0 rg BT 491.05 286.10 Td (good. ) Tj ET Q q 0 0 0 rg BT 516.62 286.10 Td ( ) Tj ET Q q 0 0 0 rg BT 519.47 286.10 Td (W) Tj ET Q q 0 0 0 rg BT 528.11 286.10 Td (e ) Tj ET Q q 0 0 0 rg BT 535.62 286.10 Td (have ) Tj ET Q q 0 0 0 rg BT 557.57 286.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (formal ) Tj ET Q q 0 0 0 rg BT 79.16 274.10 Td (dispute ) Tj ET Q q 0 0 0 rg BT 110.54 274.10 Td (resolution ) Tj ET Q q 0 0 0 rg BT 153.04 274.10 Td (plan ) Tj ET Q q 0 0 0 rg BT 172.75 274.10 Td (that ) Tj ET Q q 0 0 0 rg BT 190.25 274.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 224.96 274.10 Td (mandatory ) Tj ET Q q 0 0 0 rg BT 270.22 274.10 Td (arbitration ) Tj ET Q q 0 0 0 rg BT 314.37 274.10 Td (for ) Tj ET Q q 0 0 0 rg BT 328.53 274.10 Td (employment-related ) Tj ET Q q 0 0 0 rg BT 411.55 274.10 Td (issues.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.93 256.10 Td (radenames ) Tj ET Q q 0 0 0 rg BT 105.09 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 123.53 256.10 Td (T) Tj ET Q q 0 0 0 rg BT 129.46 256.10 Td (rademarks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 238.10 Td (e ) Tj ET Q q 0 0 0 rg BT 66.04 238.10 Td (have ) Tj ET Q q 0 0 0 rg BT 87.88 238.10 Td (registered ) Tj ET Q q 0 0 0 rg BT 130.26 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 145.44 238.10 Td (trademarks ) Tj ET Q q 0 0 0 rg BT 192.82 238.10 Td ("Conn's," ) Tj ET Q q 0 0 0 rg BT 233.81 238.10 Td ("Conn's ) Tj ET Q q 0 0 0 rg BT 268.22 238.10 Td (HomePlus," ) Tj ET Q q 0 0 0 rg BT 319.43 238.10 Td ("YES ) Tj ET Q q 0 0 0 rg BT 345.37 238.10 Td (Money) Tj ET Q q 0 0 0 rg BT 373.05 238.10 Td (," ) Tj ET Q q 0 0 0 rg BT 382.59 238.10 Td ("YE$ ) Tj ET Q q 0 0 0 rg BT 407.97 238.10 Td (Money) Tj ET Q q 0 0 0 rg BT 435.65 238.10 Td (," ) Tj ET Q q 0 0 0 rg BT 445.19 238.10 Td (YE$ ) Tj ET Q q 0 0 0 rg BT 470.92 238.10 Td (Lease, ) Tj ET Q q 0 0 0 rg BT 504.14 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 521.54 238.10 Td (our ) Tj ET Q q 0 0 0 rg BT 537.83 238.10 Td (logos, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (which ) Tj ET Q q 0 0 0 rg BT 77.14 226.10 Td (are ) Tj ET Q q 0 0 0 rg BT 92.05 226.10 Td (protected ) Tj ET Q q 0 0 0 rg BT 131.96 226.10 Td (under ) Tj ET Q q 0 0 0 rg BT 157.43 226.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 201.22 226.10 Td (intellectual ) Tj ET Q q 0 0 0 rg BT 248.34 226.10 Td (property ) Tj ET Q q 0 0 0 rg BT 284.92 226.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 305.96 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 323.10 226.10 Td (are ) Tj ET Q q 0 0 0 rg BT 338.01 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 352.93 226.10 Td (property ) Tj ET Q q 0 0 0 rg BT 389.51 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 400.54 226.10 Td (Conn's, ) Tj ET Q q 0 0 0 rg BT 433.11 226.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 451.08 226.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 469.33 226.10 Td (trademark ) Tj ET Q q 0 0 0 rg BT 512.57 226.10 Td (registrations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 89.70 214.10 Td (last ) Tj ET Q q 0 0 0 rg BT 106.09 214.10 Td (for ) Tj ET Q q 0 0 0 rg BT 120.25 214.10 Td (ten-year ) Tj ET Q q 0 0 0 rg BT 155.50 214.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 187.44 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 204.38 214.10 Td (are ) Tj ET Q q 0 0 0 rg BT 219.09 214.10 Td (renewed ) Tj ET Q q 0 0 0 rg BT 255.45 214.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 277.39 214.10 Td (to ) Tj ET Q q 0 0 0 rg BT 287.67 214.10 Td (expiration ) Tj ET Q q 0 0 0 rg BT 330.71 214.10 Td (for ) Tj ET Q q 0 0 0 rg BT 344.87 214.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 387.36 214.10 Td (ten-year ) Tj ET Q q 0 0 0 rg BT 422.62 214.10 Td (periods.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.48 196.10 Td (vailable ) Tj ET Q q 0 0 0 rg BT 92.31 196.10 Td (Information) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 178.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.31 178.10 Td (are ) Tj ET Q q 0 0 0 rg BT 79.75 178.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 110.31 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 120.33 178.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 159.22 178.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 213.66 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 224.22 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.67 178.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 280.34 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 297.02 178.10 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 338.18 178.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 354.86 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 365.42 178.10 Td (1934, ) Tj ET Q q 0 0 0 rg BT 390.16 178.10 Td (as ) Tj ET Q q 0 0 0 rg BT 400.72 178.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 439.05 178.10 Td (\("Exchange ) Tj ET Q q 0 0 0 rg BT 487.63 178.10 Td (Act"\), ) Tj ET Q q 0 0 0 rg BT 514.21 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 530.89 178.10 Td (its ) Tj ET Q q 0 0 0 rg BT 542.57 178.10 Td (rules ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.76 166.10 Td (regulations. ) Tj ET Q q 0 0 0 rg BT 115.84 166.10 Td (The ) Tj ET Q q 0 0 0 rg BT 133.71 166.10 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 174.94 166.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 191.69 166.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 226.22 166.10 Td (us ) Tj ET Q q 0 0 0 rg BT 237.43 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 247.53 166.10 Td (file ) Tj ET Q q 0 0 0 rg BT 263.17 166.10 Td (reports, ) Tj ET Q q 0 0 0 rg BT 295.76 166.10 Td (proxy ) Tj ET Q q 0 0 0 rg BT 321.40 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 338.16 166.10 Td (other ) Tj ET Q q 0 0 0 rg BT 361.03 166.10 Td (information ) Tj ET Q q 0 0 0 rg BT 410.56 166.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 455.09 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 471.84 166.10 Td (other ) Tj ET Q q 0 0 0 rg BT 494.71 166.10 Td (information ) Tj ET Q q 0 0 0 rg BT 544.24 166.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 63.59 154.10 Td (SEC. ) Tj ET Q q 0 0 0 rg BT 85.79 154.10 Td (Copies ) Tj ET Q q 0 0 0 rg BT 114.94 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 124.64 154.10 Td (these ) Tj ET Q q 0 0 0 rg BT 146.56 154.10 Td (materials ) Tj ET Q q 0 0 0 rg BT 184.57 154.10 Td (can ) Tj ET Q q 0 0 0 rg BT 199.82 154.10 Td (be ) Tj ET Q q 0 0 0 rg BT 210.63 154.10 Td (inspected ) Tj ET Q q 0 0 0 rg BT 249.76 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 265.57 154.10 Td (copied ) Tj ET Q q 0 0 0 rg BT 293.59 154.10 Td (at ) Tj ET Q q 0 0 0 rg BT 302.18 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 315.76 154.10 Td (SEC's ) Tj ET Q q 0 0 0 rg BT 341.16 154.10 Td (Public ) Tj ET Q q 0 0 0 rg BT 368.09 154.10 Td (Reference ) Tj ET Q q 0 0 0 rg BT 409.98 154.10 Td (Room ) Tj ET Q q 0 0 0 rg BT 435.80 154.10 Td (at ) Tj ET Q q 0 0 0 rg BT 444.38 154.10 Td (100 ) Tj ET Q q 0 0 0 rg BT 460.75 154.10 Td (F ) Tj ET Q q 0 0 0 rg BT 467.68 154.10 Td (Street, ) Tj ET Q q 0 0 0 rg BT 494.87 154.10 Td (NE, ) Tj ET Q q 0 0 0 rg BT 511.97 154.10 Td (W) Tj ET Q q 0 0 0 rg BT 520.61 154.10 Td (ashington, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (D.C. ) Tj ET Q q 0 0 0 rg BT 71.18 142.10 Td (20549. ) Tj ET Q q 0 0 0 rg BT 100.63 142.10 Td (Y) Tj ET Q q 0 0 0 rg BT 106.85 142.10 Td (ou ) Tj ET Q q 0 0 0 rg BT 119.13 142.10 Td (may ) Tj ET Q q 0 0 0 rg BT 138.64 142.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 165.92 142.10 Td (information ) Tj ET Q q 0 0 0 rg BT 215.42 142.10 Td (on ) Tj ET Q q 0 0 0 rg BT 227.70 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 242.21 142.10 Td (operation ) Tj ET Q q 0 0 0 rg BT 282.26 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 292.87 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 307.38 142.10 Td (Public ) Tj ET Q q 0 0 0 rg BT 335.22 142.10 Td (Reference ) Tj ET Q q 0 0 0 rg BT 378.03 142.10 Td (Room ) Tj ET Q q 0 0 0 rg BT 404.76 142.10 Td (by ) Tj ET Q q 0 0 0 rg BT 417.05 142.10 Td (calling ) Tj ET Q q 0 0 0 rg BT 446.55 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.05 142.10 Td (SEC ) Tj ET Q q 0 0 0 rg BT 481.68 142.10 Td (at ) Tj ET Q q 0 0 0 rg BT 491.18 142.10 Td (1-800-SEC-0330. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (Y) Tj ET Q q 0 0 0 rg BT 56.22 130.10 Td (ou ) Tj ET Q q 0 0 0 rg BT 68.72 130.10 Td (may ) Tj ET Q q 0 0 0 rg BT 88.44 130.10 Td (also ) Tj ET Q q 0 0 0 rg BT 107.05 130.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 134.54 130.10 Td (these ) Tj ET Q q 0 0 0 rg BT 157.59 130.10 Td (materials ) Tj ET Q q 0 0 0 rg BT 196.74 130.10 Td (electronically ) Tj ET Q q 0 0 0 rg BT 253.65 130.10 Td (by ) Tj ET Q q 0 0 0 rg BT 266.15 130.10 Td (accessing ) Tj ET Q q 0 0 0 rg BT 306.97 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 321.68 130.10 Td (SEC's ) Tj ET Q q 0 0 0 rg BT 348.22 130.10 Td (website ) Tj ET Q q 0 0 0 rg BT 381.26 130.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 390.9814453125 128.76699218750002 m 444.44091796875 128.76699218750002 l s q 0 0 0 rg BT 390.98 130.10 Td (www) Tj ET Q q 0 0 0 rg BT 412.00 130.10 Td (.sec.gov) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.12 130.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.07 112.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 93.04 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.89 112.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 141.63 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 151.48 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 165.22 112.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 205.64 112.10 Td (\("Board ) Tj ET Q q 0 0 0 rg BT 239.01 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 248.87 112.10 Td (Directors"\) ) Tj ET Q q 0 0 0 rg BT 295.01 112.10 Td (has ) Tj ET Q q 0 0 0 rg BT 309.87 112.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 343.05 112.10 Td (a ) Tj ET Q q 0 0 0 rg BT 349.02 112.10 Td (code ) Tj ET Q q 0 0 0 rg BT 369.42 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 379.27 112.10 Td (business ) Tj ET Q q 0 0 0 rg BT 414.69 112.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 447.87 112.10 Td (and ) Tj ET Q q 0 0 0 rg BT 463.84 112.10 Td (ethics ) Tj ET Q q 0 0 0 rg BT 488.69 112.10 Td (for ) Tj ET Q q 0 0 0 rg BT 501.88 112.10 Td (our ) Tj ET Q q 0 0 0 rg BT 516.73 112.10 Td (employees, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (code ) Tj ET Q q 0 0 0 rg BT 71.00 100.10 Td (of ) Tj ET Q q 0 0 0 rg BT 81.45 100.10 Td (ethics ) Tj ET Q q 0 0 0 rg BT 106.90 100.10 Td (for ) Tj ET Q q 0 0 0 rg BT 120.68 100.10 Td (our ) Tj ET Q q 0 0 0 rg BT 136.14 100.10 Td (Chief ) Tj ET Q q 0 0 0 rg BT 160.48 100.10 Td (Executive ) Tj ET Q q 0 0 0 rg BT 202.58 100.10 Td (Of) Tj ET Q q 0 0 0 rg BT 212.95 100.10 Td (ficer ) Tj ET Q q 0 0 0 rg BT 233.39 100.10 Td (and ) Tj ET Q q 0 0 0 rg BT 249.95 100.10 Td (senior ) Tj ET Q q 0 0 0 rg BT 276.51 100.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 313.62 100.10 Td (professionals ) Tj ET Q q 0 0 0 rg BT 368.51 100.10 Td (and ) Tj ET Q q 0 0 0 rg BT 385.07 100.10 Td (a ) Tj ET Q q 0 0 0 rg BT 391.63 100.10 Td (code ) Tj ET Q q 0 0 0 rg BT 412.63 100.10 Td (of ) Tj ET Q q 0 0 0 rg BT 423.08 100.10 Td (business ) Tj ET Q q 0 0 0 rg BT 459.10 100.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 492.88 100.10 Td (and ) Tj ET Q q 0 0 0 rg BT 509.44 100.10 Td (ethics ) Tj ET Q q 0 0 0 rg BT 534.89 100.10 Td (for ) Tj ET Q q 0 0 0 rg BT 548.67 100.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 76.34 88.10 Td (of ) Tj ET Q q 0 0 0 rg BT 86.57 88.10 Td (Directors. ) Tj ET Q q 0 0 0 rg BT 127.75 88.10 Td (A) Tj ET Q q 0 0 0 rg BT 134.42 88.10 Td ( ) Tj ET Q q 0 0 0 rg BT 136.32 88.10 Td (copy ) Tj ET Q q 0 0 0 rg BT 157.66 88.10 Td (of ) Tj ET Q q 0 0 0 rg BT 167.89 88.10 Td (these ) Tj ET Q q 0 0 0 rg BT 190.33 88.10 Td (codes ) Tj ET Q q 0 0 0 rg BT 215.00 88.10 Td (are ) Tj ET Q q 0 0 0 rg BT 229.10 88.10 Td (published ) Tj ET Q q 0 0 0 rg BT 269.89 88.10 Td (on ) Tj ET Q q 0 0 0 rg BT 281.79 88.10 Td (our ) Tj ET Q q 0 0 0 rg BT 297.02 88.10 Td (website ) Tj ET Q q 0 0 0 rg BT 329.46 88.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 338.576171875 86.76699218750002 m 405.138671875 86.76699218750002 l s q 0 0 0 rg BT 338.58 88.10 Td (www) Tj ET Q q 0 0 0 rg BT 359.59 88.10 Td (.conns.com) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.14 88.10 Td ( ) Tj ET Q q 0 0 0 rg BT 407.04 88.10 Td (under ) Tj ET Q q 0 0 0 rg BT 431.70 88.10 Td ("Investor ) Tj ET Q q 0 0 0 rg BT 470.45 88.10 Td (Relations ) Tj ET Q q 0 0 0 rg BT 510.13 88.10 Td ( ) Tj ET Q q 0 0 0 rg BT 522.02 88.10 Td (Corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (Governance." ) Tj ET Q q 0 0 0 rg BT 107.69 76.10 Td (W) Tj ET Q q 0 0 0 rg BT 116.33 76.10 Td (e ) Tj ET Q q 0 0 0 rg BT 123.79 76.10 Td (intend ) Tj ET Q q 0 0 0 rg BT 151.80 76.10 Td (to ) Tj ET Q q 0 0 0 rg BT 162.60 76.10 Td (make ) Tj ET Q q 0 0 0 rg BT 187.28 76.10 Td (all ) Tj ET Q q 0 0 0 rg BT 200.30 76.10 Td (required ) Tj ET Q q 0 0 0 rg BT 236.63 76.10 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 284.09 76.10 Td (concerning ) Tj ET Q q 0 0 0 rg BT 331.54 76.10 Td (any ) Tj ET Q q 0 0 0 rg BT 349.00 76.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 402.56 76.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 415.86 76.10 Td (or ) Tj ET Q q 0 0 0 rg BT 427.21 76.10 Td (waivers ) Tj ET Q q 0 0 0 rg BT 461.33 76.10 Td (from, ) Tj ET Q q 0 0 0 rg BT 486.29 76.10 Td (these ) Tj ET Q q 0 0 0 rg BT 509.86 76.10 Td (codes ) Tj ET Q q 0 0 0 rg BT 535.65 76.10 Td (on ) Tj ET Q q 0 0 0 rg BT 548.67 76.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (website. ) Tj ET Q q 0 0 0 rg BT 85.71 64.10 Td (In ) Tj ET Q q 0 0 0 rg BT 96.70 64.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 134.63 64.10 Td (we ) Tj ET Q q 0 0 0 rg BT 148.95 64.10 Td (make ) Tj ET Q q 0 0 0 rg BT 173.27 64.10 Td (available, ) Tj ET Q q 0 0 0 rg BT 214.52 64.10 Td (free ) Tj ET Q q 0 0 0 rg BT 232.71 64.10 Td (of ) Tj ET Q q 0 0 0 rg BT 243.70 64.10 Td (char) Tj ET Q q 0 0 0 rg BT 260.73 64.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 272.83 64.10 Td (on ) Tj ET Q q 0 0 0 rg BT 285.49 64.10 Td (our ) Tj ET Q q 0 0 0 rg BT 301.48 64.10 Td (website, ) Tj ET Q q 0 0 0 rg BT 337.19 64.10 Td (our ) Tj ET Q q 0 0 0 rg BT 352.59 64.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 384.69 64.10 Td (Report ) Tj ET Q q 0 0 0 rg BT 414.56 64.10 Td (on ) Tj ET Q q 0 0 0 rg BT 427.22 64.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 451.55 64.10 Td (10-K, ) Tj ET Q q 0 0 0 rg BT 477.27 64.10 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 518.24 64.10 Td (Reports ) Tj ET Q q 0 0 0 rg BT 552.01 64.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 52.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 74.15 52.10 Td (10-Q, ) Tj ET Q q 0 0 0 rg BT 99.68 52.10 Td (Current ) Tj ET Q q 0 0 0 rg BT 132.71 52.10 Td (Reports ) Tj ET Q q 0 0 0 rg BT 166.30 52.10 Td (on ) Tj ET Q q 0 0 0 rg BT 178.78 52.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 202.93 52.10 Td (8-K ) Tj ET Q q 0 0 0 rg BT 220.96 52.10 Td (and ) Tj ET Q q 0 0 0 rg BT 237.88 52.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 290.90 52.10 Td (to ) Tj ET Q q 0 0 0 rg BT 301.16 52.10 Td (these ) Tj ET Q q 0 0 0 rg BT 324.19 52.10 Td (reports ) Tj ET Q q 0 0 0 rg BT 354.44 52.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 375.24 52.10 Td (or ) Tj ET Q q 0 0 0 rg BT 386.05 52.10 Td (furnished ) Tj ET Q q 0 0 0 rg BT 426.30 52.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 463.22 52.10 Td (to ) Tj ET Q q 0 0 0 rg BT 473.48 52.10 Td (Section ) Tj ET Q q 0 0 0 rg BT 505.96 52.10 Td (13\(a\) ) Tj ET Q q 0 0 0 rg BT 529.54 52.10 Td (or ) Tj ET Q q 0 0 0 rg BT 540.35 52.10 Td (15\(d\) ) Tj ET Q endstream endobj 29 0 obj <>] /Rotate 0 /Contents 30 0 R>> endobj 30 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.54 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.98 742.10 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 116.13 742.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 132.78 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 143.32 742.10 Td (soon ) Tj ET Q q 0 0 0 rg BT 164.43 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 174.97 742.10 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 220.50 742.10 Td (practicable ) Tj ET Q q 0 0 0 rg BT 266.57 742.10 Td (after ) Tj ET Q q 0 0 0 rg BT 287.10 742.10 Td (we ) Tj ET Q q 0 0 0 rg BT 300.98 742.10 Td (electronically ) Tj ET Q q 0 0 0 rg BT 357.61 742.10 Td (file ) Tj ET Q q 0 0 0 rg BT 373.15 742.10 Td (this ) Tj ET Q q 0 0 0 rg BT 389.81 742.10 Td (material ) Tj ET Q q 0 0 0 rg BT 424.78 742.10 Td (with, ) Tj ET Q q 0 0 0 rg BT 447.27 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 457.82 742.10 Td (furnish ) Tj ET Q q 0 0 0 rg BT 488.36 742.10 Td (it ) Tj ET Q q 0 0 0 rg BT 496.13 742.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 508.63 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.06 742.10 Td (SEC. ) Tj ET Q q 0 0 0 rg BT 545.78 742.10 Td (Y) Tj ET Q q 0 0 0 rg BT 552.00 742.10 Td (ou ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (may ) Tj ET Q q 0 0 0 rg BT 68.91 730.10 Td (review ) Tj ET Q q 0 0 0 rg BT 97.81 730.10 Td (these ) Tj ET Q q 0 0 0 rg BT 120.05 730.10 Td (documents, ) Tj ET Q q 0 0 0 rg BT 167.56 730.10 Td (under ) Tj ET Q q 0 0 0 rg BT 192.02 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 205.93 730.10 Td (heading ) Tj ET Q q 0 0 0 rg BT 239.28 730.10 Td ("Investor ) Tj ET Q q 0 0 0 rg BT 277.82 730.10 Td (Relations ) Tj ET Q q 0 0 0 rg BT 317.29 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 328.98 730.10 Td (SEC ) Tj ET Q q 0 0 0 rg BT 349.01 730.10 Td (Filings," ) Tj ET Q q 0 0 0 rg BT 385.07 730.10 Td (by ) Tj ET Q q 0 0 0 rg BT 396.77 730.10 Td (accessing ) Tj ET Q q 0 0 0 rg BT 436.77 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 451.79 730.10 Td (website ) Tj ET Q q 0 0 0 rg BT 484.03 730.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 492.94189453125 728.7669921875 m 559.50439453125 728.7669921875 l s q 0 0 0 rg BT 492.94 730.10 Td (www) Tj ET Q q 0 0 0 rg BT 513.96 730.10 Td (.conns.com) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 730.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 712.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.95 712.10 Td (make ) Tj ET Q q 0 0 0 rg BT 90.49 712.10 Td (available ) Tj ET Q q 0 0 0 rg BT 129.46 712.10 Td (on ) Tj ET Q q 0 0 0 rg BT 142.33 712.10 Td (our ) Tj ET Q q 0 0 0 rg BT 158.54 712.10 Td (website ) Tj ET Q q 0 0 0 rg BT 191.97 712.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 202.06298828125 710.7669921875 m 268.62548828125 710.7669921875 l s q 0 0 0 rg BT 202.06 712.10 Td (www) Tj ET Q q 0 0 0 rg BT 223.08 712.10 Td (.conns.com) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.63 712.10 Td ( ) Tj ET Q q 0 0 0 rg BT 271.50 712.10 Td (under ) Tj ET Q q 0 0 0 rg BT 297.15 712.10 Td ("Investor ) Tj ET Q q 0 0 0 rg BT 336.88 712.10 Td (Relations ) Tj ET Q q 0 0 0 rg BT 377.53 712.10 Td ( ) Tj ET Q q 0 0 0 rg BT 389.77 712.10 Td (Asset ) Tj ET Q q 0 0 0 rg BT 414.88 712.10 Td (Backed ) Tj ET Q q 0 0 0 rg BT 447.74 712.10 Td (Securities" ) Tj ET Q q 0 0 0 rg BT 494.13 712.10 Td (updated ) Tj ET Q q 0 0 0 rg BT 528.67 712.10 Td (monthly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (reports ) Tj ET Q q 0 0 0 rg BT 80.84 700.10 Td (to ) Tj ET Q q 0 0 0 rg BT 91.69 700.10 Td (the ) Tj ET Q q 0 0 0 rg BT 106.97 700.10 Td (holders ) Tj ET Q q 0 0 0 rg BT 139.48 700.10 Td (of ) Tj ET Q q 0 0 0 rg BT 150.88 700.10 Td (our ) Tj ET Q q 0 0 0 rg BT 167.28 700.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 221.44 700.10 Td (notes. ) Tj ET Q q 0 0 0 rg BT 247.90 700.10 Td (This ) Tj ET Q q 0 0 0 rg BT 268.74 700.10 Td (information ) Tj ET Q q 0 0 0 rg BT 319.03 700.10 Td (reflects ) Tj ET Q q 0 0 0 rg BT 351.52 700.10 Td (the ) Tj ET Q q 0 0 0 rg BT 366.81 700.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 420.40 700.10 Td (of ) Tj ET Q q 0 0 0 rg BT 431.80 700.10 Td (the ) Tj ET Q q 0 0 0 rg BT 447.09 700.10 Td (securitized ) Tj ET Q q 0 0 0 rg BT 493.47 700.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 531.53 700.10 Td (only) Tj ET Q q 0 0 0 rg BT 548.66 700.10 Td (, ) Tj ET Q q 0 0 0 rg BT 554.23 700.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (contrast ) Tj ET Q q 0 0 0 rg BT 83.21 688.10 Td (to ) Tj ET Q q 0 0 0 rg BT 92.55 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 106.33 688.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 142.87 688.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 186.64 688.10 Td (contained ) Tj ET Q q 0 0 0 rg BT 227.07 688.10 Td (herein, ) Tj ET Q q 0 0 0 rg BT 256.11 688.10 Td (which ) Tj ET Q q 0 0 0 rg BT 282.11 688.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 309.20 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 322.98 688.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 375.06 688.10 Td (of ) Tj ET Q q 0 0 0 rg BT 384.95 688.10 Td (all ) Tj ET Q q 0 0 0 rg BT 396.50 688.10 Td (of ) Tj ET Q q 0 0 0 rg BT 406.39 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 420.17 688.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 466.31 688.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 514.53 688.10 Td (receivables, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (including ) Tj ET Q q 0 0 0 rg BT 90.27 676.10 Td (those ) Tj ET Q q 0 0 0 rg BT 113.88 676.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 156.92 676.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 203.86 676.10 Td (to ) Tj ET Q q 0 0 0 rg BT 214.14 676.10 Td (those ) Tj ET Q q 0 0 0 rg BT 237.75 676.10 Td (included ) Tj ET Q q 0 0 0 rg BT 274.68 676.10 Td (in ) Tj ET Q q 0 0 0 rg BT 284.96 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 299.68 676.10 Td (securitized ) Tj ET Q q 0 0 0 rg BT 345.49 676.10 Td (portfolio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.19 658.10 Td (website ) Tj ET Q q 0 0 0 rg BT 101.38 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 118.46 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 133.32 658.10 Td (information ) Tj ET Q q 0 0 0 rg BT 183.17 658.10 Td (contained ) Tj ET Q q 0 0 0 rg BT 224.69 658.10 Td (on ) Tj ET Q q 0 0 0 rg BT 237.33 658.10 Td (our ) Tj ET Q q 0 0 0 rg BT 253.30 658.10 Td (website ) Tj ET Q q 0 0 0 rg BT 286.49 658.10 Td (is ) Tj ET Q q 0 0 0 rg BT 295.80 658.10 Td (not ) Tj ET Q q 0 0 0 rg BT 311.22 658.10 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 364.39 658.10 Td (in ) Tj ET Q q 0 0 0 rg BT 374.81 658.10 Td (this ) Tj ET Q q 0 0 0 rg BT 391.32 658.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 423.40 658.10 Td (Report ) Tj ET Q q 0 0 0 rg BT 453.26 658.10 Td (on ) Tj ET Q q 0 0 0 rg BT 465.90 658.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 490.21 658.10 Td (10-K ) Tj ET Q q 0 0 0 rg BT 513.41 658.10 Td (or ) Tj ET Q q 0 0 0 rg BT 524.38 658.10 Td (any ) Tj ET Q q 0 0 0 rg BT 541.46 658.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (document ) Tj ET Q q 0 0 0 rg BT 91.93 646.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 112.76 646.10 Td (with ) Tj ET Q q 0 0 0 rg BT 133.04 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.75 646.10 Td (SEC.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (ITEM ) Tj ET Q q 0 0 0 rg BT 79.17 628.10 Td (1A. ) Tj ET Q q 0 0 0 rg BT 104.00 628.10 Td (RISK ) Tj ET Q q 0 0 0 rg BT 130.95 628.10 Td (F) Tj ET Q q 0 0 0 rg BT 136.32 628.10 Td (ACT) Tj ET Q q 0 0 0 rg BT 157.25 628.10 Td (ORS.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (Y) Tj ET Q q 0 0 0 rg BT 54.64 610.10 Td (ou ) Tj ET Q q 0 0 0 rg BT 67.72 610.10 Td (should ) Tj ET Q q 0 0 0 rg BT 97.47 610.10 Td (consider ) Tj ET Q q 0 0 0 rg BT 134.98 610.10 Td (car) Tj ET Q q 0 0 0 rg BT 147.94 610.10 Td (efully ) Tj ET Q q 0 0 0 rg BT 173.23 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.52 610.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 210.49 610.10 Td (described ) Tj ET Q q 0 0 0 rg BT 252.44 610.10 Td (below ) Tj ET Q q 0 0 0 rg BT 279.40 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 297.48 610.10 Td (other ) Tj ET Q q 0 0 0 rg BT 321.67 610.10 Td (information ) Tj ET Q q 0 0 0 rg BT 371.97 610.10 Td (pr) Tj ET Q q 0 0 0 rg BT 380.49 610.10 Td (esented ) Tj ET Q q 0 0 0 rg BT 413.55 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 424.40 610.10 Td (this ) Tj ET Q q 0 0 0 rg BT 441.93 610.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 467.23 610.10 Td (10-K, ) Tj ET Q q 0 0 0 rg BT 492.80 610.10 Td (including ) Tj ET Q q 0 0 0 rg BT 533.65 610.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 554.50 610.10 Td (7. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (Management) Tj ET Q q 0 0 0 rg BT 104.25 598.10 Td (s ) Tj ET Q q 0 0 0 rg BT 109.59 598.10 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 154.93 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 171.28 598.10 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 206.62 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 215.85 598.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 256.18 598.10 Td (Condition ) Tj ET Q q 0 0 0 rg BT 297.64 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 314.09 598.10 Td (Results ) Tj ET Q q 0 0 0 rg BT 344.43 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 353.66 598.10 Td (Operations ) Tj ET Q q 0 0 0 rg BT 400.11 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 416.56 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 430.23 598.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 482.79 598.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 519.79 598.10 Td (statements ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.47 586.10 Td (r) Tj ET Q q 0 0 0 rg BT 69.99 586.10 Td (elated ) Tj ET Q q 0 0 0 rg BT 95.90 586.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 118.48 586.10 Td (included ) Tj ET Q q 0 0 0 rg BT 154.38 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 163.63 586.10 Td (this ) Tj ET Q q 0 0 0 rg BT 179.55 586.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 203.24 586.10 Td (10-K, ) Tj ET Q q 0 0 0 rg BT 227.21 586.10 Td (as ) Tj ET Q q 0 0 0 rg BT 237.58 586.10 Td (well ) Tj ET Q q 0 0 0 rg BT 255.71 586.10 Td (as ) Tj ET Q q 0 0 0 rg BT 266.08 586.10 Td (information ) Tj ET Q q 0 0 0 rg BT 314.77 586.10 Td (pr) Tj ET Q q 0 0 0 rg BT 323.29 586.10 Td (ovided ) Tj ET Q q 0 0 0 rg BT 351.42 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 360.67 586.10 Td (other ) Tj ET Q q 0 0 0 rg BT 383.25 586.10 Td (r) Tj ET Q q 0 0 0 rg BT 386.77 586.10 Td (eports, ) Tj ET Q q 0 0 0 rg BT 415.74 586.10 Td (r) Tj ET Q q 0 0 0 rg BT 419.26 586.10 Td (egistration ) Tj ET Q q 0 0 0 rg BT 464.07 586.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 507.76 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 524.23 586.10 Td (materials ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (that ) Tj ET Q q 0 0 0 rg BT 68.55 574.10 Td (we ) Tj ET Q q 0 0 0 rg BT 82.65 574.10 Td (file ) Tj ET Q q 0 0 0 rg BT 98.42 574.10 Td (with ) Tj ET Q q 0 0 0 rg BT 118.64 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 133.85 574.10 Td (SEC ) Tj ET Q q 0 0 0 rg BT 154.63 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 172.62 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 187.83 574.10 Td (other ) Tj ET Q q 0 0 0 rg BT 211.94 574.10 Td (information ) Tj ET Q q 0 0 0 rg BT 262.16 574.10 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 317.37 574.10 Td (by ) Tj ET Q q 0 0 0 rg BT 329.80 574.10 Td (r) Tj ET Q q 0 0 0 rg BT 333.32 574.10 Td (efer) Tj ET Q q 0 0 0 rg BT 348.50 574.10 Td (ence ) Tj ET Q q 0 0 0 rg BT 369.81 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 380.58 574.10 Td (this ) Tj ET Q q 0 0 0 rg BT 398.02 574.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 423.24 574.10 Td (10-K. ) Tj ET Q q 0 0 0 rg BT 448.74 574.10 Td (If ) Tj ET Q q 0 0 0 rg BT 457.84 574.10 Td (any ) Tj ET Q q 0 0 0 rg BT 475.27 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 486.04 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 501.26 574.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 523.14 574.10 Td (described ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (below ) Tj ET Q q 0 0 0 rg BT 76.36 562.10 Td (or ) Tj ET Q q 0 0 0 rg BT 87.73 562.10 Td (elsewher) Tj ET Q q 0 0 0 rg BT 122.90 562.10 Td (e ) Tj ET Q q 0 0 0 rg BT 129.82 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 140.07 562.10 Td (this ) Tj ET Q q 0 0 0 rg BT 156.99 562.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 181.69 562.10 Td (10-K ) Tj ET Q q 0 0 0 rg BT 204.16 562.10 Td (wer) Tj ET Q q 0 0 0 rg BT 218.79 562.10 Td (e ) Tj ET Q q 0 0 0 rg BT 225.71 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 235.96 562.10 Td (materialize, ) Tj ET Q q 0 0 0 rg BT 285.93 562.10 Td (our ) Tj ET Q q 0 0 0 rg BT 302.29 562.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 341.16 562.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 379.19 562.10 Td (condition, ) Tj ET Q q 0 0 0 rg BT 421.93 562.10 Td (r) Tj ET Q q 0 0 0 rg BT 425.46 562.10 Td (esults ) Tj ET Q q 0 0 0 rg BT 450.71 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 460.96 562.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 508.71 562.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 529.52 562.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 553.11 562.10 Td (or ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (pr) Tj ET Q q 0 0 0 rg BT 58.52 550.10 Td (ospects ) Tj ET Q q 0 0 0 rg BT 90.00 550.10 Td (could ) Tj ET Q q 0 0 0 rg BT 114.26 550.10 Td (be ) Tj ET Q q 0 0 0 rg BT 125.74 550.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 168.89 550.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 209.25 550.10 Td (affected. ) Tj ET Q q 0 0 0 rg BT 245.44 550.10 Td (In ) Tj ET Q q 0 0 0 rg BT 255.81 550.10 Td (such ) Tj ET Q q 0 0 0 rg BT 276.18 550.10 Td (case, ) Tj ET Q q 0 0 0 rg BT 298.49 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 312.75 550.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 344.24 550.10 Td (price ) Tj ET Q q 0 0 0 rg BT 366.83 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 376.65 550.10 Td (our ) Tj ET Q q 0 0 0 rg BT 392.59 550.10 Td (common ) Tj ET Q q 0 0 0 rg BT 428.51 550.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 451.10 550.10 Td (could ) Tj ET Q q 0 0 0 rg BT 475.36 550.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 506.28 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 523.32 550.10 Td (you ) Tj ET Q q 0 0 0 rg BT 539.80 550.10 Td (could ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (lose ) Tj ET Q q 0 0 0 rg BT 67.61 538.10 Td (part ) Tj ET Q q 0 0 0 rg BT 85.78 538.10 Td (or ) Tj ET Q q 0 0 0 rg BT 96.17 538.10 Td (all ) Tj ET Q q 0 0 0 rg BT 108.23 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 117.51 538.10 Td (your ) Tj ET Q q 0 0 0 rg BT 137.34 538.10 Td (investment. ) Tj ET Q q 0 0 0 rg BT 184.00 538.10 Td (Additional ) Tj ET Q q 0 0 0 rg BT 227.72 538.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 248.12 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 264.62 538.10 Td (uncertainties ) Tj ET Q q 0 0 0 rg BT 318.33 538.10 Td (not ) Tj ET Q q 0 0 0 rg BT 332.61 538.10 Td (curr) Tj ET Q q 0 0 0 rg BT 349.46 538.10 Td (ently ) Tj ET Q q 0 0 0 rg BT 370.40 538.10 Td (known ) Tj ET Q q 0 0 0 rg BT 398.01 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 407.29 538.10 Td (us ) Tj ET Q q 0 0 0 rg BT 417.68 538.10 Td (or ) Tj ET Q q 0 0 0 rg BT 428.07 538.10 Td (that ) Tj ET Q q 0 0 0 rg BT 445.13 538.10 Td (we ) Tj ET Q q 0 0 0 rg BT 457.74 538.10 Td (curr) Tj ET Q q 0 0 0 rg BT 474.59 538.10 Td (ently ) Tj ET Q q 0 0 0 rg BT 495.53 538.10 Td (deem ) Tj ET Q q 0 0 0 rg BT 518.13 538.10 Td (immaterial ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (may ) Tj ET Q q 0 0 0 rg BT 69.18 526.10 Td (also ) Tj ET Q q 0 0 0 rg BT 88.36 526.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 129.19 526.10 Td (affect ) Tj ET Q q 0 0 0 rg BT 153.92 526.10 Td (our ) Tj ET Q q 0 0 0 rg BT 170.33 526.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 209.24 526.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 247.31 526.10 Td (condition, ) Tj ET Q q 0 0 0 rg BT 290.09 526.10 Td (r) Tj ET Q q 0 0 0 rg BT 293.62 526.10 Td (esults ) Tj ET Q q 0 0 0 rg BT 318.91 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 329.20 526.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 377.00 526.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 397.84 526.10 Td (flows, ) Tj ET Q q 0 0 0 rg BT 423.98 526.10 Td (pr) Tj ET Q q 0 0 0 rg BT 432.50 526.10 Td (ospects ) Tj ET Q q 0 0 0 rg BT 464.45 526.10 Td (or ) Tj ET Q q 0 0 0 rg BT 475.86 526.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 498.92 526.10 Td (price, ) Tj ET Q q 0 0 0 rg BT 524.49 526.10 Td (which ) Tj ET Q q 0 0 0 rg BT 550.89 526.10 Td (we ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (r) Tj ET Q q 0 0 0 rg BT 53.52 514.10 Td (efer ) Tj ET Q q 0 0 0 rg BT 71.57 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 81.85 514.10 Td (collectively ) Tj ET Q q 0 0 0 rg BT 129.87 514.10 Td (as ) Tj ET Q q 0 0 0 rg BT 141.26 514.10 Td (a ) Tj ET Q q 0 0 0 rg BT 148.76 514.10 Td (material ) Tj ET Q q 0 0 0 rg BT 185.15 514.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 218.75 514.10 Td (effect ) Tj ET Q q 0 0 0 rg BT 242.90 514.10 Td (on ) Tj ET Q q 0 0 0 rg BT 255.40 514.10 Td (us ) Tj ET Q q 0 0 0 rg BT 266.79 514.10 Td (\(or ) Tj ET Q q 0 0 0 rg BT 281.51 514.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 331.78 514.10 Td (phrases\).) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 496.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.76 496.10 Td (may ) Tj ET Q q 0 0 0 rg BT 86.14 496.10 Td (not ) Tj ET Q q 0 0 0 rg BT 102.65 496.10 Td (be ) Tj ET Q q 0 0 0 rg BT 115.25 496.10 Td (able ) Tj ET Q q 0 0 0 rg BT 135.64 496.10 Td (to ) Tj ET Q q 0 0 0 rg BT 146.59 496.10 Td (open ) Tj ET Q q 0 0 0 rg BT 169.75 496.10 Td (or ) Tj ET Q q 0 0 0 rg BT 181.81 496.10 Td (profitably ) Tj ET Q q 0 0 0 rg BT 224.98 496.10 Td (operate ) Tj ET Q q 0 0 0 rg BT 258.69 496.10 Td (new ) Tj ET Q q 0 0 0 rg BT 278.53 496.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 305.59 496.10 Td (in ) Tj ET Q q 0 0 0 rg BT 317.10 496.10 Td (existing, ) Tj ET Q q 0 0 0 rg BT 354.99 496.10 Td (adjacent ) Tj ET Q q 0 0 0 rg BT 393.15 496.10 Td (or ) Tj ET Q q 0 0 0 rg BT 405.21 496.10 Td (new ) Tj ET Q q 0 0 0 rg BT 425.05 496.10 Td (geographic ) Tj ET Q q 0 0 0 rg BT 474.33 496.10 Td (markets. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.77 496.10 Td ( ) Tj ET Q q 0 0 0 rg BT 515.71 496.10 Td (There ) Tj ET Q q 0 0 0 rg BT 542.20 496.10 Td (are ) Tj ET Q q 0 0 0 rg BT 557.57 496.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (number ) Tj ET Q q 0 0 0 rg BT 83.05 484.10 Td (of ) Tj ET Q q 0 0 0 rg BT 93.88 484.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 123.58 484.10 Td (that ) Tj ET Q q 0 0 0 rg BT 141.08 484.10 Td (could ) Tj ET Q q 0 0 0 rg BT 165.80 484.10 Td (af) Tj ET Q q 0 0 0 rg BT 173.38 484.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 190.87 484.10 Td (our ) Tj ET Q q 0 0 0 rg BT 206.70 484.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 234.75 484.10 Td (to ) Tj ET Q q 0 0 0 rg BT 245.03 484.10 Td (successfully ) Tj ET Q q 0 0 0 rg BT 296.41 484.10 Td (execute ) Tj ET Q q 0 0 0 rg BT 329.44 484.10 Td (our ) Tj ET Q q 0 0 0 rg BT 345.27 484.10 Td (store ) Tj ET Q q 0 0 0 rg BT 367.21 484.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 398.04 484.10 Td (strategy) Tj ET Q q 0 0 0 rg BT 429.04 484.10 Td (, ) Tj ET Q q 0 0 0 rg BT 434.04 484.10 Td (including:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 466.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 466.10 Td (Dif) Tj ET Q q 0 0 0 rg BT 99.15 466.10 Td (ficulties associated with the hiring, training and retention of skilled personnel, including store managers;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 448.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 448.10 Td (The availability of financial resources;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 430.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 430.10 Td (The availability of favorable sites in existing, adjacent or new markets on terms, including price, consistent with our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 418.10 Td (business plan;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 400.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 400.10 Td (Competition in existing, adjacent or new markets;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 382.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 382.10 Td (Competitive ) Tj ET Q q 0 0 0 rg BT 137.29 382.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 183.30 382.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 224.02 382.10 Td (tastes ) Tj ET Q q 0 0 0 rg BT 248.09 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 264.38 382.10 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 318.43 382.10 Td (spending ) Tj ET Q q 0 0 0 rg BT 356.38 382.10 Td (patterns ) Tj ET Q q 0 0 0 rg BT 389.89 382.10 Td (in ) Tj ET Q q 0 0 0 rg BT 399.51 382.10 Td (adjacent ) Tj ET Q q 0 0 0 rg BT 434.67 382.10 Td (or ) Tj ET Q q 0 0 0 rg BT 444.85 382.10 Td (new ) Tj ET Q q 0 0 0 rg BT 463.36 382.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 496.86 382.10 Td (that ) Tj ET Q q 0 0 0 rg BT 513.71 382.10 Td (are ) Tj ET Q q 0 0 0 rg BT 527.76 382.10 Td (dif) Tj ET Q q 0 0 0 rg BT 538.69 382.10 Td (ferent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 370.10 Td (from ) Tj ET Q q 0 0 0 rg BT 108.60 370.10 Td (those ) Tj ET Q q 0 0 0 rg BT 132.88 370.10 Td (in ) Tj ET Q q 0 0 0 rg BT 143.82 370.10 Td (our ) Tj ET Q q 0 0 0 rg BT 160.32 370.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 195.15 370.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 229.97 370.10 Td (or ) Tj ET Q q 0 0 0 rg BT 241.47 370.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 276.84 370.10 Td (in ) Tj ET Q q 0 0 0 rg BT 287.79 370.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 338.16 370.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 385.49 370.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 427.54 370.10 Td (tastes ) Tj ET Q q 0 0 0 rg BT 452.92 370.10 Td (and ) Tj ET Q q 0 0 0 rg BT 470.53 370.10 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 525.90 370.10 Td (spending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 358.10 Td (patterns ) Tj ET Q q 0 0 0 rg BT 120.16 358.10 Td (in ) Tj ET Q q 0 0 0 rg BT 130.43 358.10 Td (our ) Tj ET Q q 0 0 0 rg BT 146.26 358.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 180.43 358.10 Td (markets;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 340.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 340.10 Td (A) Tj ET Q q 0 0 0 rg BT 92.67 340.10 Td ( lack of consumer demand for our products or financing programs at levels that can support store growth or the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 328.10 Td (profitability of existing stores;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 310.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 310.10 Td (Inability ) Tj ET Q q 0 0 0 rg BT 122.84 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 133.57 310.10 Td (make ) Tj ET Q q 0 0 0 rg BT 158.18 310.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 197.79 310.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 238.50 310.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 279.23 310.10 Td (available ) Tj ET Q q 0 0 0 rg BT 318.27 310.10 Td (that ) Tj ET Q q 0 0 0 rg BT 336.22 310.10 Td (allow ) Tj ET Q q 0 0 0 rg BT 361.39 310.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 407.11 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 417.85 310.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 456.34 310.10 Td (products ) Tj ET Q q 0 0 0 rg BT 493.73 310.10 Td (at ) Tj ET Q q 0 0 0 rg BT 503.90 310.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 530.18 310.10 Td (that ) Tj ET Q q 0 0 0 rg BT 548.13 310.10 Td (can ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 298.10 Td (support ) Tj ET Q q 0 0 0 rg BT 118.50 298.10 Td (store ) Tj ET Q q 0 0 0 rg BT 140.44 298.10 Td (growth;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 280.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 280.10 Td (Limitations ) Tj ET Q q 0 0 0 rg BT 134.71 280.10 Td (created ) Tj ET Q q 0 0 0 rg BT 166.17 280.10 Td (by ) Tj ET Q q 0 0 0 rg BT 178.78 280.10 Td (covenants ) Tj ET Q q 0 0 0 rg BT 221.36 280.10 Td (and ) Tj ET Q q 0 0 0 rg BT 238.40 280.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 282.67 280.10 Td (under ) Tj ET Q q 0 0 0 rg BT 308.04 280.10 Td (our ) Tj ET Q q 0 0 0 rg BT 323.97 280.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 343.79 280.10 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 394.42 280.10 Td (including ) Tj ET Q q 0 0 0 rg BT 434.80 280.10 Td (our ) Tj ET Q q 0 0 0 rg BT 450.73 280.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 491.66 280.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 517.02 280.10 Td (facility) Tj ET Q q 0 0 0 rg BT 544.69 280.10 Td (, ) Tj ET Q q 0 0 0 rg BT 549.79 280.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 268.10 Td (indenture ) Tj ET Q q 0 0 0 rg BT 126.26 268.10 Td (governing ) Tj ET Q q 0 0 0 rg BT 169.31 268.10 Td (our ) Tj ET Q q 0 0 0 rg BT 185.14 268.10 Td (senior ) Tj ET Q q 0 0 0 rg BT 212.08 268.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 235.69 268.10 Td (and ) Tj ET Q q 0 0 0 rg BT 252.63 268.10 Td (our ) Tj ET Q q 0 0 0 rg BT 268.46 268.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 322.04 268.10 Td (notes;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 250.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 250.10 Td (An inability or unwillingness of vendors to supply product on a timely basis or at competitive prices;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 232.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 232.10 Td (The ) Tj ET Q q 0 0 0 rg BT 104.81 232.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 134.16 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 145.20 232.10 Td (open ) Tj ET Q q 0 0 0 rg BT 167.89 232.10 Td (enough ) Tj ET Q q 0 0 0 rg BT 200.59 232.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 227.18 232.10 Td (in ) Tj ET Q q 0 0 0 rg BT 238.22 232.10 Td (new ) Tj ET Q q 0 0 0 rg BT 258.14 232.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 293.05 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 304.09 232.10 Td (achieve ) Tj ET Q q 0 0 0 rg BT 337.88 232.10 Td (a ) Tj ET Q q 0 0 0 rg BT 345.58 232.10 Td (suf) Tj ET Q q 0 0 0 rg BT 357.62 232.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 386.42 232.10 Td (market ) Tj ET Q q 0 0 0 rg BT 417.45 232.10 Td (presence ) Tj ET Q q 0 0 0 rg BT 455.68 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 473.38 232.10 Td (realize ) Tj ET Q q 0 0 0 rg BT 503.28 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.75 232.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 553.67 232.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 220.10 Td (leveraging ) Tj ET Q q 0 0 0 rg BT 130.70 220.10 Td (our ) Tj ET Q q 0 0 0 rg BT 146.53 220.10 Td (advertising ) Tj ET Q q 0 0 0 rg BT 193.47 220.10 Td (and ) Tj ET Q q 0 0 0 rg BT 210.40 220.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 259.02 220.10 Td (systems;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 202.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 202.10 Td (Unfamiliarity with local real estate markets and demographics in adjacent and new markets;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 184.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 184.10 Td (Problems ) Tj ET Q q 0 0 0 rg BT 126.07 184.10 Td (in ) Tj ET Q q 0 0 0 rg BT 136.14 184.10 Td (adapting ) Tj ET Q q 0 0 0 rg BT 172.86 184.10 Td (our ) Tj ET Q q 0 0 0 rg BT 188.49 184.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 236.89 184.10 Td (and ) Tj ET Q q 0 0 0 rg BT 253.62 184.10 Td (other ) Tj ET Q q 0 0 0 rg BT 276.46 184.10 Td (operational ) Tj ET Q q 0 0 0 rg BT 323.73 184.10 Td (and ) Tj ET Q q 0 0 0 rg BT 340.46 184.10 Td (management ) Tj ET Q q 0 0 0 rg BT 393.84 184.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 427.80 184.10 Td (to ) Tj ET Q q 0 0 0 rg BT 437.87 184.10 Td (an ) Tj ET Q q 0 0 0 rg BT 449.60 184.10 Td (expanded ) Tj ET Q q 0 0 0 rg BT 490.21 184.10 Td (network ) Tj ET Q q 0 0 0 rg BT 525.27 184.10 Td (of ) Tj ET Q q 0 0 0 rg BT 535.89 184.10 Td (stores; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 172.10 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 154.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 154.10 Td (Higher costs for direct mail, television, newspaper) Tj ET Q q 0 0 0 rg BT 287.21 154.10 Td (, digital, radio and out-of-home tar) Tj ET Q q 0 0 0 rg BT 425.59 154.10 Td (geted advertising.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (These ) Tj ET Q q 0 0 0 rg BT 77.15 136.10 Td (and ) Tj ET Q q 0 0 0 rg BT 94.86 136.10 Td (other ) Tj ET Q q 0 0 0 rg BT 118.68 136.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 149.73 136.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 180.21 136.10 Td (may ) Tj ET Q q 0 0 0 rg BT 200.70 136.10 Td (also ) Tj ET Q q 0 0 0 rg BT 220.09 136.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 242.25 136.10 Td (the ) Tj ET Q q 0 0 0 rg BT 257.74 136.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 286.57 136.10 Td (of ) Tj ET Q q 0 0 0 rg BT 298.17 136.10 Td (any ) Tj ET Q q 0 0 0 rg BT 315.88 136.10 Td (newly ) Tj ET Q q 0 0 0 rg BT 343.60 136.10 Td (opened ) Tj ET Q q 0 0 0 rg BT 375.75 136.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 402.35 136.10 Td (to ) Tj ET Q q 0 0 0 rg BT 413.40 136.10 Td (achieve ) Tj ET Q q 0 0 0 rg BT 447.21 136.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 469.92 136.10 Td (and ) Tj ET Q q 0 0 0 rg BT 487.63 136.10 Td (profitability ) Tj ET Q q 0 0 0 rg BT 538.68 136.10 Td (levels ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (consistent ) Tj ET Q q 0 0 0 rg BT 91.94 124.10 Td (with ) Tj ET Q q 0 0 0 rg BT 111.67 124.10 Td (our ) Tj ET Q q 0 0 0 rg BT 126.95 124.10 Td (projections ) Tj ET Q q 0 0 0 rg BT 173.33 124.10 Td (or ) Tj ET Q q 0 0 0 rg BT 183.61 124.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 232.20 124.10 Td (with ) Tj ET Q q 0 0 0 rg BT 251.92 124.10 Td (our ) Tj ET Q q 0 0 0 rg BT 267.20 124.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 300.82 124.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 326.09 124.10 Td (or ) Tj ET Q q 0 0 0 rg BT 336.37 124.10 Td (to ) Tj ET Q q 0 0 0 rg BT 346.10 124.10 Td (become ) Tj ET Q q 0 0 0 rg BT 379.14 124.10 Td (profitable ) Tj ET Q q 0 0 0 rg BT 419.96 124.10 Td (at ) Tj ET Q q 0 0 0 rg BT 429.13 124.10 Td (all. ) Tj ET Q q 0 0 0 rg BT 443.14 124.10 Td (As ) Tj ET Q q 0 0 0 rg BT 456.20 124.10 Td (a ) Tj ET Q q 0 0 0 rg BT 462.59 124.10 Td (result, ) Tj ET Q q 0 0 0 rg BT 489.25 124.10 Td (we ) Tj ET Q q 0 0 0 rg BT 502.86 124.10 Td (may ) Tj ET Q q 0 0 0 rg BT 522.03 124.10 Td (determine ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.50 112.10 Td (we ) Tj ET Q q 0 0 0 rg BT 81.66 112.10 Td (need ) Tj ET Q q 0 0 0 rg BT 103.03 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 113.31 112.10 Td (close ) Tj ET Q q 0 0 0 rg BT 136.36 112.10 Td (or ) Tj ET Q q 0 0 0 rg BT 147.19 112.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 176.33 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 191.05 112.10 Td (hours ) Tj ET Q q 0 0 0 rg BT 215.77 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 226.60 112.10 Td (operation ) Tj ET Q q 0 0 0 rg BT 266.87 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 277.70 112.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 307.40 112.10 Td (stores, ) Tj ET Q q 0 0 0 rg BT 335.73 112.10 Td (which ) Tj ET Q q 0 0 0 rg BT 362.67 112.10 Td (could ) Tj ET Q q 0 0 0 rg BT 387.38 112.10 Td (have ) Tj ET Q q 0 0 0 rg BT 408.76 112.10 Td (a ) Tj ET Q q 0 0 0 rg BT 415.70 112.10 Td (material ) Tj ET Q q 0 0 0 rg BT 450.96 112.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 483.99 112.10 Td (ef) Tj ET Q q 0 0 0 rg BT 491.58 112.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 509.07 112.10 Td (on ) Tj ET Q q 0 0 0 rg BT 521.57 112.10 Td (us.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (If ) Tj ET Q q 0 0 0 rg BT 59.60 94.10 Td (we ) Tj ET Q q 0 0 0 rg BT 73.09 94.10 Td (are ) Tj ET Q q 0 0 0 rg BT 88.80 94.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 119.52 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 129.68 94.10 Td (ef) Tj ET Q q 0 0 0 rg BT 137.26 94.10 Td (fectively ) Tj ET Q q 0 0 0 rg BT 173.50 94.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 208.66 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 223.82 94.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 255.10 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 265.81 94.10 Td (our ) Tj ET Q q 0 0 0 rg BT 282.64 94.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 322.53 94.10 Td (our ) Tj ET Q q 0 0 0 rg BT 339.36 94.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 378.40 94.10 Td (may ) Tj ET Q q 0 0 0 rg BT 398.00 94.10 Td (not ) Tj ET Q q 0 0 0 rg BT 413.72 94.10 Td (increase, ) Tj ET Q q 0 0 0 rg BT 453.04 94.10 Td (our ) Tj ET Q q 0 0 0 rg BT 469.87 94.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 488.36 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 499.07 94.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 544.79 94.10 Td (may ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (rise ) Tj ET Q q 0 0 0 rg BT 67.47 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 85.50 82.10 Td (our ) Tj ET Q q 0 0 0 rg BT 102.42 82.10 Td (results ) Tj ET Q q 0 0 0 rg BT 132.12 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 142.91 82.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 188.72 82.10 Td (may ) Tj ET Q q 0 0 0 rg BT 208.40 82.10 Td (decline.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.34 82.10 Td () Tj ET Q q 0 0 0 rg BT 242.29 82.10 Td (As ) Tj ET Q q 0 0 0 rg BT 255.87 82.10 Td (we ) Tj ET Q q 0 0 0 rg BT 269.99 82.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 315.23 82.10 Td (a ) Tj ET Q q 0 0 0 rg BT 322.14 82.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 352.93 82.10 Td (plan ) Tj ET Q q 0 0 0 rg BT 372.62 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 389.52 82.10 Td (expand ) Tj ET Q q 0 0 0 rg BT 420.87 82.10 Td (our ) Tj ET Q q 0 0 0 rg BT 436.66 82.10 Td (store ) Tj ET Q q 0 0 0 rg BT 458.57 82.10 Td (base, ) Tj ET Q q 0 0 0 rg BT 481.31 82.10 Td (we ) Tj ET Q q 0 0 0 rg BT 495.43 82.10 Td (will ) Tj ET Q q 0 0 0 rg BT 513.46 82.10 Td (face ) Tj ET Q q 0 0 0 rg BT 532.57 82.10 Td (various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (business ) Tj ET Q q 0 0 0 rg BT 86.07 70.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 107.15 70.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 150.42 70.10 Td (with ) Tj ET Q q 0 0 0 rg BT 170.39 70.10 Td (growth, ) Tj ET Q q 0 0 0 rg BT 203.40 70.10 Td (including ) Tj ET Q q 0 0 0 rg BT 243.35 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 257.75 70.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 274.94 70.10 Td (that ) Tj ET Q q 0 0 0 rg BT 292.11 70.10 Td (our ) Tj ET Q q 0 0 0 rg BT 307.63 70.10 Td (management, ) Tj ET Q q 0 0 0 rg BT 363.40 70.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 400.56 70.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 434.96 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 451.58 70.10 Td (information ) Tj ET Q q 0 0 0 rg BT 500.98 70.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 534.83 70.10 Td (will ) Tj ET Q q 0 0 0 rg BT 552.57 70.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (inadequate ) Tj ET Q q 0 0 0 rg BT 96.91 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 108.29 58.10 Td (support ) Tj ET Q q 0 0 0 rg BT 141.89 58.10 Td (our ) Tj ET Q q 0 0 0 rg BT 158.82 58.10 Td (expansion. ) Tj ET Q q 0 0 0 rg BT 205.47 58.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 224.62 58.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 256.55 58.10 Td (will ) Tj ET Q q 0 0 0 rg BT 275.71 58.10 Td (require ) Tj ET Q q 0 0 0 rg BT 307.62 58.10 Td (management ) Tj ET Q q 0 0 0 rg BT 362.31 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 373.69 58.10 Td (expend ) Tj ET Q q 0 0 0 rg BT 406.17 58.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 451.98 58.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 475.85 58.10 Td (ef) Tj ET Q q 0 0 0 rg BT 483.44 58.10 Td (fort, ) Tj ET Q q 0 0 0 rg BT 503.98 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 522.02 58.10 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (resources ) Tj ET Q q 0 0 0 rg BT 92.06 46.10 Td (to ) Tj ET Q q 0 0 0 rg BT 104.14 46.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 134.54 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 151.05 46.10 Td (continuing ) Tj ET Q q 0 0 0 rg BT 198.13 46.10 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 240.18 46.10 Td (of ) Tj ET Q q 0 0 0 rg BT 252.81 46.10 Td (our ) Tj ET Q q 0 0 0 rg BT 270.44 46.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 309.72 46.10 Td (controls, ) Tj ET Q q 0 0 0 rg BT 348.74 46.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 390.80 46.10 Td (procedures, ) Tj ET Q q 0 0 0 rg BT 441.47 46.10 Td (information ) Tj ET Q q 0 0 0 rg BT 492.98 46.10 Td (systems, ) Tj ET Q q 0 0 0 rg BT 531.45 46.10 Td (product ) Tj ET Q endstream endobj 31 0 obj <>] /Rotate 0 /Contents 32 0 R>> endobj 32 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (purchasing, ) Tj ET Q q 0 0 0 rg BT 98.15 742.10 Td (warehousing ) Tj ET Q q 0 0 0 rg BT 151.02 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 167.24 742.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 215.12 742.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 248.57 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 264.78 742.10 Td (employee ) Tj ET Q q 0 0 0 rg BT 305.43 742.10 Td (training ) Tj ET Q q 0 0 0 rg BT 338.30 742.10 Td (programs. ) Tj ET Q q 0 0 0 rg BT 380.22 742.10 Td (While ) Tj ET Q q 0 0 0 rg BT 406.42 742.10 Td (we ) Tj ET Q q 0 0 0 rg BT 419.86 742.10 Td (have ) Tj ET Q q 0 0 0 rg BT 440.51 742.10 Td (always ) Tj ET Q q 0 0 0 rg BT 470.05 742.10 Td (engaged ) Tj ET Q q 0 0 0 rg BT 505.14 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 514.69 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 530.91 742.10 Td (focused ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 61.78 730.10 Td (these ) Tj ET Q q 0 0 0 rg BT 84.10 730.10 Td (elements, ) Tj ET Q q 0 0 0 rg BT 123.92 730.10 Td (we ) Tj ET Q q 0 0 0 rg BT 137.36 730.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 165.79 730.10 Td (predict ) Tj ET Q q 0 0 0 rg BT 195.33 730.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 229.32 730.10 Td (we ) Tj ET Q q 0 0 0 rg BT 242.75 730.10 Td (will ) Tj ET Q q 0 0 0 rg BT 260.09 730.10 Td (be ) Tj ET Q q 0 0 0 rg BT 271.30 730.10 Td (able ) Tj ET Q q 0 0 0 rg BT 289.74 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 299.29 730.10 Td (ef) Tj ET Q q 0 0 0 rg BT 306.88 730.10 Td (fectively ) Tj ET Q q 0 0 0 rg BT 343.64 730.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 376.51 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 390.50 730.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 430.03 730.10 Td (demand ) Tj ET Q q 0 0 0 rg BT 463.47 730.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 500.24 730.10 Td (from ) Tj ET Q q 0 0 0 rg BT 521.46 730.10 Td (expansion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (into ) Tj ET Q q 0 0 0 rg BT 68.82 718.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 112.07 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 123.66 718.10 Td (new ) Tj ET Q q 0 0 0 rg BT 143.58 718.10 Td (markets, ) Tj ET Q q 0 0 0 rg BT 181.00 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 192.59 718.10 Td (respond ) Tj ET Q q 0 0 0 rg BT 227.51 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 240.78 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 248.48 718.10 Td (timely ) Tj ET Q q 0 0 0 rg BT 277.29 718.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 300.55 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 311.59 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 327.07 718.10 Td (changing ) Tj ET Q q 0 0 0 rg BT 366.99 718.10 Td (demands ) Tj ET Q q 0 0 0 rg BT 405.80 718.10 Td (that ) Tj ET Q q 0 0 0 rg BT 424.05 718.10 Td (our ) Tj ET Q q 0 0 0 rg BT 440.64 718.10 Td (expansion ) Tj ET Q q 0 0 0 rg BT 484.45 718.10 Td (will ) Tj ET Q q 0 0 0 rg BT 503.27 718.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 535.42 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 548.68 718.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (management, ) Tj ET Q q 0 0 0 rg BT 107.10 706.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 145.59 706.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 181.31 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 199.26 706.10 Td (information ) Tj ET Q q 0 0 0 rg BT 249.98 706.10 Td (systems. ) Tj ET Q q 0 0 0 rg BT 287.66 706.10 Td (If ) Tj ET Q q 0 0 0 rg BT 297.82 706.10 Td (we ) Tj ET Q q 0 0 0 rg BT 312.99 706.10 Td (fail ) Tj ET Q q 0 0 0 rg BT 329.83 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 341.11 706.10 Td (successfully ) Tj ET Q q 0 0 0 rg BT 393.50 706.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 428.10 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 443.83 706.10 Td (challenges ) Tj ET Q q 0 0 0 rg BT 489.54 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 501.37 706.10 Td (growth, ) Tj ET Q q 0 0 0 rg BT 535.71 706.10 Td (do ) Tj ET Q q 0 0 0 rg BT 549.22 706.10 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 87.40 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 98.14 694.10 Td (improve ) Tj ET Q q 0 0 0 rg BT 134.43 694.10 Td (our ) Tj ET Q q 0 0 0 rg BT 150.72 694.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 185.35 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 202.75 694.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 237.93 694.10 Td (or ) Tj ET Q q 0 0 0 rg BT 249.23 694.10 Td (encounter ) Tj ET Q q 0 0 0 rg BT 291.61 694.10 Td (unexpected ) Tj ET Q q 0 0 0 rg BT 340.11 694.10 Td (dif) Tj ET Q q 0 0 0 rg BT 351.04 694.10 Td (ficulties ) Tj ET Q q 0 0 0 rg BT 386.21 694.10 Td (during ) Tj ET Q q 0 0 0 rg BT 415.28 694.10 Td (expansion, ) Tj ET Q q 0 0 0 rg BT 461.29 694.10 Td (our ) Tj ET Q q 0 0 0 rg BT 477.58 694.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 508.88 694.10 Td (plan ) Tj ET Q q 0 0 0 rg BT 529.06 694.10 Td (may ) Tj ET Q q 0 0 0 rg BT 549.24 694.10 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 72.50 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 87.21 682.10 Td (results ) Tj ET Q q 0 0 0 rg BT 115.82 682.10 Td (we ) Tj ET Q q 0 0 0 rg BT 129.98 682.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 168.57 682.10 Td (anticipate ) Tj ET Q q 0 0 0 rg BT 209.94 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 226.88 682.10 Td (we ) Tj ET Q q 0 0 0 rg BT 241.04 682.10 Td (could ) Tj ET Q q 0 0 0 rg BT 265.76 682.10 Td (be ) Tj ET Q q 0 0 0 rg BT 277.70 682.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 320.73 682.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 361.55 682.10 Td (af) Tj ET Q q 0 0 0 rg BT 369.14 682.10 Td (fected.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 664.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.34 664.10 Td (may ) Tj ET Q q 0 0 0 rg BT 85.31 664.10 Td (expand ) Tj ET Q q 0 0 0 rg BT 118.06 664.10 Td (our ) Tj ET Q q 0 0 0 rg BT 135.26 664.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 159.68 664.10 Td (or ) Tj ET Q q 0 0 0 rg BT 171.32 664.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 197.39 664.10 Td (of) Tj ET Q q 0 0 0 rg BT 205.54 664.10 Td (ferings ) Tj ET Q q 0 0 0 rg BT 237.18 664.10 Td (and ) Tj ET Q q 0 0 0 rg BT 255.50 664.10 Td (become ) Tj ET Q q 0 0 0 rg BT 289.34 664.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 320.98 664.10 Td (to ) Tj ET Q q 0 0 0 rg BT 331.51 664.10 Td (dif) Tj ET Q q 0 0 0 rg BT 342.43 664.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 369.62 664.10 Td (operating, ) Tj ET Q q 0 0 0 rg BT 414.32 664.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 459.85 664.10 Td (or ) Tj ET Q q 0 0 0 rg BT 471.49 664.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 494.24 664.10 Td (requirements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.19 664.10 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 85.59 652.10 Td (to ) Tj ET Q q 0 0 0 rg BT 96.18 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 111.21 652.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 134.57 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 151.82 652.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 193.52 652.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 225.75 652.10 Td (products ) Tj ET Q q 0 0 0 rg BT 263.01 652.10 Td (we ) Tj ET Q q 0 0 0 rg BT 277.48 652.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 316.39 652.10 Td (of) Tj ET Q q 0 0 0 rg BT 324.54 652.10 Td (fer) Tj ET Q q 0 0 0 rg BT 335.24 652.10 Td (, ) Tj ET Q q 0 0 0 rg BT 340.55 652.10 Td (we ) Tj ET Q q 0 0 0 rg BT 355.03 652.10 Td (may ) Tj ET Q q 0 0 0 rg BT 375.06 652.10 Td (of) Tj ET Q q 0 0 0 rg BT 383.21 652.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 397.12 652.10 Td (other ) Tj ET Q q 0 0 0 rg BT 420.49 652.10 Td (products ) Tj ET Q q 0 0 0 rg BT 457.74 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 474.99 652.10 Td (services ) Tj ET Q q 0 0 0 rg BT 510.01 652.10 Td (in ) Tj ET Q q 0 0 0 rg BT 520.61 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 535.64 652.10 Td (future, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (including ) Tj ET Q q 0 0 0 rg BT 90.97 640.10 Td (new ) Tj ET Q q 0 0 0 rg BT 110.83 640.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 151.80 640.10 Td (products ) Tj ET Q q 0 0 0 rg BT 189.43 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 207.07 640.10 Td (services. ) Tj ET Q q 0 0 0 rg BT 244.75 640.10 Td (These ) Tj ET Q q 0 0 0 rg BT 271.82 640.10 Td (products ) Tj ET Q q 0 0 0 rg BT 309.46 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 327.10 640.10 Td (services ) Tj ET Q q 0 0 0 rg BT 362.51 640.10 Td (may ) Tj ET Q q 0 0 0 rg BT 382.92 640.10 Td (require ) Tj ET Q q 0 0 0 rg BT 414.44 640.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 457.63 640.10 Td (or ) Tj ET Q q 0 0 0 rg BT 469.16 640.10 Td (dif) Tj ET Q q 0 0 0 rg BT 480.09 640.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 506.60 640.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 547.57 640.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 98.74 628.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 133.07 628.10 Td (or ) Tj ET Q q 0 0 0 rg BT 144.05 628.10 Td (have ) Tj ET Q q 0 0 0 rg BT 165.59 628.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 208.23 628.10 Td (or ) Tj ET Q q 0 0 0 rg BT 219.22 628.10 Td (dif) Tj ET Q q 0 0 0 rg BT 230.15 628.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 256.12 628.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 278.21 628.10 Td (or ) Tj ET Q q 0 0 0 rg BT 289.19 628.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 332.94 628.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 387.80 628.10 Td (than ) Tj ET Q q 0 0 0 rg BT 407.67 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 422.54 628.10 Td (products ) Tj ET Q q 0 0 0 rg BT 459.63 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 476.73 628.10 Td (services ) Tj ET Q q 0 0 0 rg BT 511.59 628.10 Td (we ) Tj ET Q q 0 0 0 rg BT 525.91 628.10 Td (currently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 616.10 Td (fer) Tj ET Q q 0 0 0 rg BT 68.70 616.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (For ) Tj ET Q q 0 0 0 rg BT 66.74 598.10 Td (example, ) Tj ET Q q 0 0 0 rg BT 105.96 598.10 Td (we ) Tj ET Q q 0 0 0 rg BT 120.47 598.10 Td (began ) Tj ET Q q 0 0 0 rg BT 147.20 598.10 Td (of) Tj ET Q q 0 0 0 rg BT 155.35 598.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 182.07 598.10 Td (our ) Tj ET Q q 0 0 0 rg BT 198.25 598.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 223.86 598.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 243.93 598.10 Td (program ) Tj ET Q q 0 0 0 rg BT 280.66 598.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 317.94 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 328.57 598.10 Td (state-issued ) Tj ET Q q 0 0 0 rg BT 378.08 598.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 410.92 598.10 Td (licenses ) Tj ET Q q 0 0 0 rg BT 445.42 598.10 Td (across ) Tj ET Q q 0 0 0 rg BT 473.26 598.10 Td (our ) Tj ET Q q 0 0 0 rg BT 489.24 598.10 Td (T) Tj ET Q q 0 0 0 rg BT 494.65 598.10 Td (exas ) Tj ET Q q 0 0 0 rg BT 515.27 598.10 Td (locations ) Tj ET Q q 0 0 0 rg BT 554.22 598.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 72.61 586.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 92.16 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 102.55 586.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 127.66 586.10 Td (we ) Tj ET Q q 0 0 0 rg BT 141.93 586.10 Td (began ) Tj ET Q q 0 0 0 rg BT 168.41 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 178.80 586.10 Td (of) Tj ET Q q 0 0 0 rg BT 186.95 586.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 200.66 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 216.60 586.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 241.97 586.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 265.69 586.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 302.74 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 313.13 586.10 Td (state-issued ) Tj ET Q q 0 0 0 rg BT 362.39 586.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 395.00 586.10 Td (licenses ) Tj ET Q q 0 0 0 rg BT 429.26 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 439.65 586.10 Td (all ) Tj ET Q q 0 0 0 rg BT 452.26 586.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 478.20 586.10 Td (located ) Tj ET Q q 0 0 0 rg BT 509.68 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 520.07 586.10 Td (Louisiana, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 574.10 Td (ennessee ) Tj ET Q q 0 0 0 rg BT 92.86 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 109.20 574.10 Td (Oklahoma. ) Tj ET Q q 0 0 0 rg BT 155.13 574.10 Td (These ) Tj ET Q q 0 0 0 rg BT 180.92 574.10 Td (four ) Tj ET Q q 0 0 0 rg BT 199.49 574.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 224.16 574.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 243.28 574.10 Td (program ) Tj ET Q q 0 0 0 rg BT 279.07 574.10 Td (states ) Tj ET Q q 0 0 0 rg BT 303.20 574.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 341.75 574.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 401.42 574.10 Td (78% ) Tj ET Q q 0 0 0 rg BT 421.66 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 431.90 574.10 Td (our ) Tj ET Q q 0 0 0 rg BT 447.14 574.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 470.70 574.10 Td (year ) Tj ET Q q 0 0 0 rg BT 489.82 574.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 511.73 574.10 Td (originations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (If ) Tj ET Q q 0 0 0 rg BT 58.50 562.10 Td (we ) Tj ET Q q 0 0 0 rg BT 72.00 562.10 Td (fail ) Tj ET Q q 0 0 0 rg BT 87.17 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 96.79 562.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 133.62 562.10 Td (or ) Tj ET Q q 0 0 0 rg BT 143.79 562.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 188.40 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 194.68 562.10 Td (proper ) Tj ET Q q 0 0 0 rg BT 222.62 562.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 265.56 562.10 Td (infrastructure ) Tj ET Q q 0 0 0 rg BT 321.26 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 330.88 562.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 362.71 562.10 Td (with ) Tj ET Q q 0 0 0 rg BT 382.33 562.10 Td (each ) Tj ET Q q 0 0 0 rg BT 402.49 562.10 Td (state) Tj ET Q q 0 0 0 rg BT 423.59 562.10 Td (s ) Tj ET Q q 0 0 0 rg BT 429.33 562.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 450.60 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 466.88 562.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 509.81 562.10 Td (requirements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.44 550.10 Td (each ) Tj ET Q q 0 0 0 rg BT 85.53 550.10 Td (state) Tj ET Q q 0 0 0 rg BT 106.64 550.10 Td (s ) Tj ET Q q 0 0 0 rg BT 113.31 550.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 138.85 550.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 158.84 550.10 Td (program, ) Tj ET Q q 0 0 0 rg BT 198.00 550.10 Td (state ) Tj ET Q q 0 0 0 rg BT 219.10 550.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 261.87 550.10 Td (could ) Tj ET Q q 0 0 0 rg BT 286.86 550.10 Td (restrict ) Tj ET Q q 0 0 0 rg BT 317.40 550.10 Td (or ) Tj ET Q q 0 0 0 rg BT 328.51 550.10 Td (rescind ) Tj ET Q q 0 0 0 rg BT 360.17 550.10 Td (our ) Tj ET Q q 0 0 0 rg BT 376.27 550.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 401.82 550.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 421.81 550.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 454.58 550.10 Td (licenses. ) Tj ET Q q 0 0 0 rg BT 491.52 550.10 Td ( ) Tj ET Q q 0 0 0 rg BT 493.68 550.10 Td (A) Tj ET Q q 0 0 0 rg BT 500.35 550.10 Td ( ) Tj ET Q q 0 0 0 rg BT 503.13 550.10 Td (restriction ) Tj ET Q q 0 0 0 rg BT 546.45 550.10 Td (or ) Tj ET Q q 0 0 0 rg BT 557.56 550.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 68.06 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 78.89 538.10 Td (such ) Tj ET Q q 0 0 0 rg BT 99.72 538.10 Td (licenses ) Tj ET Q q 0 0 0 rg BT 133.88 538.10 Td (could ) Tj ET Q q 0 0 0 rg BT 158.59 538.10 Td (have ) Tj ET Q q 0 0 0 rg BT 179.97 538.10 Td (a ) Tj ET Q q 0 0 0 rg BT 186.91 538.10 Td (material ) Tj ET Q q 0 0 0 rg BT 222.17 538.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 255.21 538.10 Td (ef) Tj ET Q q 0 0 0 rg BT 262.79 538.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 280.28 538.10 Td (on ) Tj ET Q q 0 0 0 rg BT 292.78 538.10 Td (our ) Tj ET Q q 0 0 0 rg BT 308.61 538.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 346.09 538.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 399.11 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 416.05 538.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 440.76 538.10 Td (reputational ) Tj ET Q q 0 0 0 rg BT 491.02 538.10 Td (harm. ) Tj ET Q q 0 0 0 rg BT 516.56 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 519.06 538.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (Further) Tj ET Q q 0 0 0 rg BT 79.04 520.10 Td (, ) Tj ET Q q 0 0 0 rg BT 83.56 520.10 Td (in ) Tj ET Q q 0 0 0 rg BT 93.37 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 107.61 520.10 Td (event ) Tj ET Q q 0 0 0 rg BT 131.29 520.10 Td (we ) Tj ET Q q 0 0 0 rg BT 144.98 520.10 Td (undertake ) Tj ET Q q 0 0 0 rg BT 186.43 520.10 Td (such ) Tj ET Q q 0 0 0 rg BT 206.79 520.10 Td (an ) Tj ET Q q 0 0 0 rg BT 218.25 520.10 Td (expansion ) Tj ET Q q 0 0 0 rg BT 260.83 520.10 Td (into ) Tj ET Q q 0 0 0 rg BT 278.41 520.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 320.42 520.10 Td (states ) Tj ET Q q 0 0 0 rg BT 344.67 520.10 Td (that ) Tj ET Q q 0 0 0 rg BT 361.69 520.10 Td (allow ) Tj ET Q q 0 0 0 rg BT 385.93 520.10 Td (for ) Tj ET Q q 0 0 0 rg BT 399.62 520.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 424.41 520.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 465.31 520.10 Td (lending, ) Tj ET Q q 0 0 0 rg BT 499.83 520.10 Td (and ) Tj ET Q q 0 0 0 rg BT 516.30 520.10 Td (do ) Tj ET Q q 0 0 0 rg BT 528.33 520.10 Td (not ) Tj ET Q q 0 0 0 rg BT 543.13 520.10 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 63.92 508.10 Td (proper ) Tj ET Q q 0 0 0 rg BT 91.71 508.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 112.84 508.10 Td (and ) Tj ET Q q 0 0 0 rg BT 128.98 508.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 171.77 508.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 219.56 508.10 Td (infrastructure ) Tj ET Q q 0 0 0 rg BT 275.12 508.10 Td (or ) Tj ET Q q 0 0 0 rg BT 285.15 508.10 Td (personnel, ) Tj ET Q q 0 0 0 rg BT 328.22 508.10 Td (or ) Tj ET Q q 0 0 0 rg BT 338.25 508.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 378.83 508.10 Td (do ) Tj ET Q q 0 0 0 rg BT 390.53 508.10 Td (not ) Tj ET Q q 0 0 0 rg BT 405.00 508.10 Td (successfully ) Tj ET Q q 0 0 0 rg BT 455.58 508.10 Td (execute ) Tj ET Q q 0 0 0 rg BT 487.81 508.10 Td (such ) Tj ET Q q 0 0 0 rg BT 507.84 508.10 Td (an ) Tj ET Q q 0 0 0 rg BT 518.97 508.10 Td (expansion, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.83 496.10 Td (our ) Tj ET Q q 0 0 0 rg BT 76.66 496.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 119.71 496.10 Td (do ) Tj ET Q q 0 0 0 rg BT 132.21 496.10 Td (not ) Tj ET Q q 0 0 0 rg BT 147.49 496.10 Td (positively ) Tj ET Q q 0 0 0 rg BT 189.43 496.10 Td (respond ) Tj ET Q q 0 0 0 rg BT 223.59 496.10 Td (to ) Tj ET Q q 0 0 0 rg BT 233.87 496.10 Td (such ) Tj ET Q q 0 0 0 rg BT 254.70 496.10 Td (an ) Tj ET Q q 0 0 0 rg BT 266.64 496.10 Td (expansion, ) Tj ET Q q 0 0 0 rg BT 312.18 496.10 Td (it ) Tj ET Q q 0 0 0 rg BT 320.24 496.10 Td (could ) Tj ET Q q 0 0 0 rg BT 344.96 496.10 Td (have ) Tj ET Q q 0 0 0 rg BT 366.33 496.10 Td (a ) Tj ET Q q 0 0 0 rg BT 373.27 496.10 Td (material ) Tj ET Q q 0 0 0 rg BT 408.53 496.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 441.57 496.10 Td (ef) Tj ET Q q 0 0 0 rg BT 449.16 496.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 466.64 496.10 Td (on ) Tj ET Q q 0 0 0 rg BT 479.14 496.10 Td (us.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 478.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.26 478.10 Td (have ) Tj ET Q q 0 0 0 rg BT 87.37 478.10 Td (plans ) Tj ET Q q 0 0 0 rg BT 112.27 478.10 Td (for ) Tj ET Q q 0 0 0 rg BT 127.16 478.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 173.73 478.10 Td (future ) Tj ET Q q 0 0 0 rg BT 201.96 478.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 232.41 478.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 258.41 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 276.64 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 292.09 478.10 Td (inability ) Tj ET Q q 0 0 0 rg BT 328.65 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 339.10 478.10 Td (access ) Tj ET Q q 0 0 0 rg BT 367.87 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 383.32 478.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 413.76 478.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 449.21 478.10 Td (on ) Tj ET Q q 0 0 0 rg BT 462.45 478.10 Td (favorable ) Tj ET Q q 0 0 0 rg BT 503.99 478.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 529.44 478.10 Td (or ) Tj ET Q q 0 0 0 rg BT 541.01 478.10 Td (at ) Tj ET Q q 0 0 0 rg BT 551.46 478.10 Td (all ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (may ) Tj ET Q q 0 0 0 rg BT 69.89 466.10 Td (have ) Tj ET Q q 0 0 0 rg BT 92.01 466.10 Td (a ) Tj ET Q q 0 0 0 rg BT 99.68 466.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 144.02 466.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 177.79 466.10 Td (ef) Tj ET Q q 0 0 0 rg BT 185.38 466.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 203.04 466.10 Td (on ) Tj ET Q q 0 0 0 rg BT 216.28 466.10 Td (us.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.23 466.10 Td ( ) Tj ET Q q 0 0 0 rg BT 230.71 466.10 Td (W) Tj ET Q q 0 0 0 rg BT 239.35 466.10 Td (e ) Tj ET Q q 0 0 0 rg BT 246.47 466.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 286.34 466.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 318.44 466.10 Td (our ) Tj ET Q q 0 0 0 rg BT 334.45 466.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 378.78 466.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 418.67 466.10 Td (through ) Tj ET Q q 0 0 0 rg BT 452.45 466.10 Td (a ) Tj ET Q q 0 0 0 rg BT 459.57 466.10 Td (combination ) Tj ET Q q 0 0 0 rg BT 512.23 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 523.24 466.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 543.68 466.10 Td (flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (generated ) Tj ET Q q 0 0 0 rg BT 90.94 454.10 Td (from ) Tj ET Q q 0 0 0 rg BT 112.46 454.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 158.69 454.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 206.32 454.10 Td (under ) Tj ET Q q 0 0 0 rg BT 231.16 454.10 Td (our ) Tj ET Q q 0 0 0 rg BT 246.57 454.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 286.98 454.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 311.82 454.10 Td (facility) Tj ET Q q 0 0 0 rg BT 339.49 454.10 Td (, ) Tj ET Q q 0 0 0 rg BT 344.06 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 360.58 454.10 Td (securitizations ) Tj ET Q q 0 0 0 rg BT 420.42 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 430.83 454.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 469.56 454.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 516.61 454.10 Td (through ) Tj ET Q q 0 0 0 rg BT 549.79 454.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 79.33 442.10 Td (markets. ) Tj ET Q q 0 0 0 rg BT 116.17 442.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 134.40 442.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 162.64 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 173.10 442.10 Td (access ) Tj ET Q q 0 0 0 rg BT 201.32 442.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 230.65 442.10 Td (through ) Tj ET Q q 0 0 0 rg BT 264.44 442.10 Td (our ) Tj ET Q q 0 0 0 rg BT 280.45 442.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 314.80 442.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 355.81 442.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 381.25 442.10 Td (facility) Tj ET Q q 0 0 0 rg BT 408.92 442.10 Td (, ) Tj ET Q q 0 0 0 rg BT 414.11 442.10 Td (raise ) Tj ET Q q 0 0 0 rg BT 435.67 442.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 478.34 442.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 507.67 442.10 Td (by ) Tj ET Q q 0 0 0 rg BT 520.35 442.10 Td (expanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.15 430.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 105.29 430.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 129.87 430.10 Td (facility) Tj ET Q q 0 0 0 rg BT 157.54 430.10 Td (, ) Tj ET Q q 0 0 0 rg BT 161.86 430.10 Td (or ) Tj ET Q q 0 0 0 rg BT 172.01 430.10 Td (undertake ) Tj ET Q q 0 0 0 rg BT 213.25 430.10 Td (future ) Tj ET Q q 0 0 0 rg BT 238.95 430.10 Td (securitization ) Tj ET Q q 0 0 0 rg BT 294.63 430.10 Td (or ) Tj ET Q q 0 0 0 rg BT 304.78 430.10 Td (other ) Tj ET Q q 0 0 0 rg BT 327.14 430.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 346.18 430.10 Td (or ) Tj ET Q q 0 0 0 rg BT 356.33 430.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 383.14 430.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 432.72 430.10 Td (on ) Tj ET Q q 0 0 0 rg BT 444.54 430.10 Td (economically ) Tj ET Q q 0 0 0 rg BT 500.22 430.10 Td (favorable ) Tj ET Q q 0 0 0 rg BT 539.80 430.10 Td (terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.83 418.10 Td (at ) Tj ET Q q 0 0 0 rg BT 70.55 418.10 Td (all, ) Tj ET Q q 0 0 0 rg BT 85.54 418.10 Td (depends ) Tj ET Q q 0 0 0 rg BT 120.81 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 131.09 418.10 Td (lar) Tj ET Q q 0 0 0 rg BT 141.46 418.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 153.39 418.10 Td (part ) Tj ET Q q 0 0 0 rg BT 171.44 418.10 Td (on ) Tj ET Q q 0 0 0 rg BT 183.94 418.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 213.65 418.10 Td (that ) Tj ET Q q 0 0 0 rg BT 231.14 418.10 Td (are ) Tj ET Q q 0 0 0 rg BT 245.85 418.10 Td (beyond ) Tj ET Q q 0 0 0 rg BT 277.79 418.10 Td (our ) Tj ET Q q 0 0 0 rg BT 293.62 418.10 Td (control, ) Tj ET Q q 0 0 0 rg BT 326.94 418.10 Td (including:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 400.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 400.10 Td (Conditions in the securities and finance markets generally) Tj ET Q q 0 0 0 rg BT 317.23 400.10 Td (, and for securitized instruments in particular;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 382.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 382.10 Td (A) Tj ET Q q 0 0 0 rg BT 92.67 382.10 Td ( negative bias toward our industry by capital market participants;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 364.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 364.10 Td (Our credit rating or the credit rating of any securities we may issue;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 346.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 346.10 Td (General economic conditions and the economic health of our earnings, cash flows and balance sheet;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 328.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 328.10 Td (Security or collateral requirements;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 310.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 310.10 Td (The credit quality and performance of our customer receivables;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 292.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 292.10 Td (Regulatory restrictions applicable to us;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 274.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 274.10 Td (Our overall business and industry prospects;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 256.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 256.10 Td (Our overall sales performance, profitability) Tj ET Q q 0 0 0 rg BT 258.90 256.10 Td (, cash flow) Tj ET Q q 0 0 0 rg BT 301.84 256.10 Td (, balance sheet quality) Tj ET Q q 0 0 0 rg BT 390.05 256.10 Td (, regulatory restrictions;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 238.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 238.10 Td (Our ability to provide or obtain financial support for required credit enhancement;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 220.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 220.10 Td (Our ability to adequately service our financial instruments;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 202.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 202.10 Td (Our ability to meet debt covenant requirements; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 184.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 184.10 Td (Prevailing interest rates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.35 166.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 101.16 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 112.29 166.10 Td (our ) Tj ET Q q 0 0 0 rg BT 128.43 166.10 Td (planned ) Tj ET Q q 0 0 0 rg BT 162.90 166.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 192.35 166.10 Td (expenditures ) Tj ET Q q 0 0 0 rg BT 246.25 166.10 Td (may ) Tj ET Q q 0 0 0 rg BT 266.28 166.10 Td (be ) Tj ET Q q 0 0 0 rg BT 278.53 166.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 309.66 166.10 Td (by) Tj ET Q q 0 0 0 rg BT 319.01 166.10 Td (, ) Tj ET Q q 0 0 0 rg BT 324.32 166.10 Td (among ) Tj ET Q q 0 0 0 rg BT 354.35 166.10 Td (other ) Tj ET Q q 0 0 0 rg BT 377.70 166.10 Td (factors, ) Tj ET Q q 0 0 0 rg BT 410.21 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 425.24 166.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 473.03 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 484.17 166.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 513.63 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 524.21 166.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 545.35 166.10 Td (new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (store ) Tj ET Q q 0 0 0 rg BT 71.73 154.10 Td (openings ) Tj ET Q q 0 0 0 rg BT 110.14 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 126.87 154.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 165.83 154.10 Td (receivable ) Tj ET Q q 0 0 0 rg BT 209.20 154.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 246.49 154.10 Td (growth. ) Tj ET Q q 0 0 0 rg BT 279.62 154.10 Td ( ) Tj ET Q q 0 0 0 rg BT 281.92 154.10 Td (If ) Tj ET Q q 0 0 0 rg BT 290.87 154.10 Td (adequate ) Tj ET Q q 0 0 0 rg BT 328.70 154.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 357.65 154.10 Td (is ) Tj ET Q q 0 0 0 rg BT 366.61 154.10 Td (not ) Tj ET Q q 0 0 0 rg BT 381.69 154.10 Td (available ) Tj ET Q q 0 0 0 rg BT 420.07 154.10 Td (at ) Tj ET Q q 0 0 0 rg BT 429.59 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 444.10 154.10 Td (time ) Tj ET Q q 0 0 0 rg BT 464.17 154.10 Td (we ) Tj ET Q q 0 0 0 rg BT 478.13 154.10 Td (need ) Tj ET Q q 0 0 0 rg BT 499.30 154.10 Td (it, ) Tj ET Q q 0 0 0 rg BT 509.65 154.10 Td (we ) Tj ET Q q 0 0 0 rg BT 523.61 154.10 Td (may ) Tj ET Q q 0 0 0 rg BT 543.12 154.10 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 142.10 Td (curtail ) Tj ET Q q 0 0 0 rg BT 88.32 142.10 Td (future ) Tj ET Q q 0 0 0 rg BT 114.70 142.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 145.53 142.10 Td (or ) Tj ET Q q 0 0 0 rg BT 156.36 142.10 Td (change ) Tj ET Q q 0 0 0 rg BT 187.17 142.10 Td (our ) Tj ET Q q 0 0 0 rg BT 203.00 142.10 Td (expansion ) Tj ET Q q 0 0 0 rg BT 246.05 142.10 Td (plans, ) Tj ET Q q 0 0 0 rg BT 272.16 142.10 Td (which ) Tj ET Q q 0 0 0 rg BT 299.10 142.10 Td (could ) Tj ET Q q 0 0 0 rg BT 323.81 142.10 Td (have ) Tj ET Q q 0 0 0 rg BT 345.19 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 352.13 142.10 Td (material ) Tj ET Q q 0 0 0 rg BT 387.39 142.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 420.42 142.10 Td (ef) Tj ET Q q 0 0 0 rg BT 428.01 142.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 445.50 142.10 Td (on ) Tj ET Q q 0 0 0 rg BT 458.00 142.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 471.89 142.10 Td ( ) Tj ET Q q 0 0 0 rg BT 474.39 142.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 124.10 Td (e ) Tj ET Q q 0 0 0 rg BT 66.45 124.10 Td (use ) Tj ET Q q 0 0 0 rg BT 83.14 124.10 Td (our ) Tj ET Q q 0 0 0 rg BT 99.84 124.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 139.87 124.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 188.21 124.10 Td (as ) Tj ET Q q 0 0 0 rg BT 199.91 124.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 240.47 124.10 Td (to ) Tj ET Q q 0 0 0 rg BT 251.62 124.10 Td (support ) Tj ET Q q 0 0 0 rg BT 284.99 124.10 Td (our ) Tj ET Q q 0 0 0 rg BT 301.69 124.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 331.71 124.10 Td (needs. ) Tj ET Q q 0 0 0 rg BT 359.60 124.10 Td (As ) Tj ET Q q 0 0 0 rg BT 374.09 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 389.67 124.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 431.90 124.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 465.27 124.10 Td (and ) Tj ET Q q 0 0 0 rg BT 483.07 124.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 536.97 124.10 Td (of ) Tj ET Q q 0 0 0 rg BT 548.67 124.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 89.58 112.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 137.48 112.10 Td (has ) Tj ET Q q 0 0 0 rg BT 153.74 112.10 Td (fluctuated, ) Tj ET Q q 0 0 0 rg BT 199.15 112.10 Td (from ) Tj ET Q q 0 0 0 rg BT 221.52 112.10 Td (time ) Tj ET Q q 0 0 0 rg BT 242.22 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 252.93 112.10 Td (time ) Tj ET Q q 0 0 0 rg BT 273.63 112.10 Td (we ) Tj ET Q q 0 0 0 rg BT 288.22 112.10 Td (have ) Tj ET Q q 0 0 0 rg BT 310.02 112.10 Td (required ) Tj ET Q q 0 0 0 rg BT 346.27 112.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 399.74 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 410.45 112.10 Td (our ) Tj ET Q q 0 0 0 rg BT 426.71 112.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 452.40 112.10 Td (facilities ) Tj ET Q q 0 0 0 rg BT 489.75 112.10 Td (in ) Tj ET Q q 0 0 0 rg BT 500.46 112.10 Td (order ) Tj ET Q q 0 0 0 rg BT 524.49 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 535.20 112.10 Td (stay ) Tj ET Q q 0 0 0 rg BT 554.23 112.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 98.55 100.10 Td (with ) Tj ET Q q 0 0 0 rg BT 118.78 100.10 Td (our ) Tj ET Q q 0 0 0 rg BT 134.57 100.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 181.47 100.10 Td (thereunder) Tj ET Q q 0 0 0 rg BT 223.68 100.10 Td (. ) Tj ET Q q 0 0 0 rg BT 228.64 100.10 Td (If ) Tj ET Q q 0 0 0 rg BT 237.75 100.10 Td (we ) Tj ET Q q 0 0 0 rg BT 251.87 100.10 Td (require ) Tj ET Q q 0 0 0 rg BT 282.65 100.10 Td (such ) Tj ET Q q 0 0 0 rg BT 303.44 100.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 356.44 100.10 Td (in ) Tj ET Q q 0 0 0 rg BT 366.67 100.10 Td (the ) Tj ET Q q 0 0 0 rg BT 381.35 100.10 Td (future ) Tj ET Q q 0 0 0 rg BT 407.68 100.10 Td (and ) Tj ET Q q 0 0 0 rg BT 424.58 100.10 Td (are ) Tj ET Q q 0 0 0 rg BT 439.25 100.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 468.36 100.10 Td (to ) Tj ET Q q 0 0 0 rg BT 478.60 100.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 506.05 100.10 Td (them, ) Tj ET Q q 0 0 0 rg BT 531.00 100.10 Td (or ) Tj ET Q q 0 0 0 rg BT 541.79 100.10 Td (if ) Tj ET Q q 0 0 0 rg BT 550.36 100.10 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.66 88.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 93.77 88.10 Td (to ) Tj ET Q q 0 0 0 rg BT 104.01 88.10 Td (arrange ) Tj ET Q q 0 0 0 rg BT 136.44 88.10 Td (substitute ) Tj ET Q q 0 0 0 rg BT 177.23 88.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 217.45 88.10 Td (facilities ) Tj ET Q q 0 0 0 rg BT 254.34 88.10 Td (or ) Tj ET Q q 0 0 0 rg BT 265.12 88.10 Td (other ) Tj ET Q q 0 0 0 rg BT 288.13 88.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 320.57 88.10 Td (of ) Tj ET Q q 0 0 0 rg BT 331.36 88.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 362.96 88.10 Td (then ) Tj ET Q q 0 0 0 rg BT 382.64 88.10 Td (we ) Tj ET Q q 0 0 0 rg BT 396.75 88.10 Td (may ) Tj ET Q q 0 0 0 rg BT 416.43 88.10 Td (be ) Tj ET Q q 0 0 0 rg BT 428.32 88.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 457.43 88.10 Td (to ) Tj ET Q q 0 0 0 rg BT 467.67 88.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 504.56 88.10 Td (drawing ) Tj ET Q q 0 0 0 rg BT 539.78 88.10 Td (funds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (under ) Tj ET Q q 0 0 0 rg BT 74.93 76.10 Td (our ) Tj ET Q q 0 0 0 rg BT 90.42 76.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 130.91 76.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 155.83 76.10 Td (facility) Tj ET Q q 0 0 0 rg BT 183.50 76.10 Td (, ) Tj ET Q q 0 0 0 rg BT 188.16 76.10 Td (which ) Tj ET Q q 0 0 0 rg BT 214.76 76.10 Td (would ) Tj ET Q q 0 0 0 rg BT 241.92 76.10 Td (force ) Tj ET Q q 0 0 0 rg BT 264.62 76.10 Td (us ) Tj ET Q q 0 0 0 rg BT 275.67 76.10 Td (to ) Tj ET Q q 0 0 0 rg BT 285.61 76.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 306.66 76.10 Td (or ) Tj ET Q q 0 0 0 rg BT 317.15 76.10 Td (cease ) Tj ET Q q 0 0 0 rg BT 340.96 76.10 Td (of) Tj ET Q q 0 0 0 rg BT 349.11 76.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 375.15 76.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 400.07 76.10 Td (through ) Tj ET Q q 0 0 0 rg BT 433.34 76.10 Td (our ) Tj ET Q q 0 0 0 rg BT 448.83 76.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 480.42 76.10 Td (programs. ) Tj ET Q q 0 0 0 rg BT 522.84 76.10 Td (Likewise, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (if ) Tj ET Q q 0 0 0 rg BT 58.14 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 72.38 64.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 116.07 64.10 Td (base ) Tj ET Q q 0 0 0 rg BT 135.87 64.10 Td (under ) Tj ET Q q 0 0 0 rg BT 160.66 64.10 Td (our ) Tj ET Q q 0 0 0 rg BT 176.02 64.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 216.37 64.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 241.16 64.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 271.51 64.10 Td (is ) Tj ET Q q 0 0 0 rg BT 280.21 64.10 Td (reduced, ) Tj ET Q q 0 0 0 rg BT 316.38 64.10 Td (or ) Tj ET Q q 0 0 0 rg BT 326.74 64.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 367.65 64.10 Td (becomes ) Tj ET Q q 0 0 0 rg BT 404.66 64.10 Td (unavailable, ) Tj ET Q q 0 0 0 rg BT 455.28 64.10 Td (or ) Tj ET Q q 0 0 0 rg BT 465.63 64.10 Td (we ) Tj ET Q q 0 0 0 rg BT 479.32 64.10 Td (are ) Tj ET Q q 0 0 0 rg BT 493.56 64.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 522.24 64.10 Td (to ) Tj ET Q q 0 0 0 rg BT 532.05 64.10 Td (arrange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 52.10 Td (substitute ) Tj ET Q q 0 0 0 rg BT 90.33 52.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 130.09 52.10 Td (facilities ) Tj ET Q q 0 0 0 rg BT 166.51 52.10 Td (or ) Tj ET Q q 0 0 0 rg BT 176.84 52.10 Td (other ) Tj ET Q q 0 0 0 rg BT 199.38 52.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 231.36 52.10 Td (of ) Tj ET Q q 0 0 0 rg BT 241.69 52.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 272.83 52.10 Td (we ) Tj ET Q q 0 0 0 rg BT 286.49 52.10 Td (may ) Tj ET Q q 0 0 0 rg BT 305.70 52.10 Td (have ) Tj ET Q q 0 0 0 rg BT 326.57 52.10 Td (to ) Tj ET Q q 0 0 0 rg BT 336.34 52.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 357.23 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 371.44 52.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 403.43 52.10 Td (of ) Tj ET Q q 0 0 0 rg BT 413.75 52.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 438.51 52.10 Td (that ) Tj ET Q q 0 0 0 rg BT 455.50 52.10 Td (we ) Tj ET Q q 0 0 0 rg BT 469.16 52.10 Td (make ) Tj ET Q q 0 0 0 rg BT 492.81 52.10 Td (available ) Tj ET Q q 0 0 0 rg BT 530.89 52.10 Td (through ) Tj ET Q endstream endobj 33 0 obj <>] /Rotate 0 /Contents 34 0 R>> endobj 34 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.12 742.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 103.56 742.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 128.11 742.10 Td (programs. ) Tj ET Q q 0 0 0 rg BT 169.77 742.10 Td (A) Tj ET Q q 0 0 0 rg BT 176.44 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 178.22 742.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 217.77 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 227.34 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 242.45 742.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 269.79 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 279.36 742.10 Td (of) Tj ET Q q 0 0 0 rg BT 287.51 742.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 300.39 742.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 338.83 742.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 363.38 742.10 Td (could ) Tj ET Q q 0 0 0 rg BT 387.38 742.10 Td (have ) Tj ET Q q 0 0 0 rg BT 408.05 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 414.27 742.10 Td (material ) Tj ET Q q 0 0 0 rg BT 448.82 742.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 481.14 742.10 Td (ef) Tj ET Q q 0 0 0 rg BT 488.73 742.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 505.50 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 517.29 742.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 530.46 742.10 Td (Further) Tj ET Q q 0 0 0 rg BT 559.50 742.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 66.96 730.10 Td (inability) Tj ET Q q 0 0 0 rg BT 99.64 730.10 Td (, ) Tj ET Q q 0 0 0 rg BT 105.77 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 117.74 730.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 164.15 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 177.78 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 194.74 730.10 Td (ability) Tj ET Q q 0 0 0 rg BT 219.64 730.10 Td (, ) Tj ET Q q 0 0 0 rg BT 225.77 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 237.18 730.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 265.81 730.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 300.55 730.10 Td (through ) Tj ET Q q 0 0 0 rg BT 335.29 730.10 Td (securitization ) Tj ET Q q 0 0 0 rg BT 392.79 730.10 Td (facilities ) Tj ET Q q 0 0 0 rg BT 430.85 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 442.81 730.10 Td (other ) Tj ET Q q 0 0 0 rg BT 466.99 730.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 500.61 730.10 Td (may ) Tj ET Q q 0 0 0 rg BT 521.46 730.10 Td (materially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 90.92 718.10 Td (af) Tj ET Q q 0 0 0 rg BT 98.51 718.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 116.10 718.10 Td (our ) Tj ET Q q 0 0 0 rg BT 132.03 718.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 160.19 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 170.57 718.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 203.73 718.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 246.32 718.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 271.69 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 282.07 718.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 316.34 718.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 361.99 718.10 Td (which ) Tj ET Q q 0 0 0 rg BT 389.04 718.10 Td (could ) Tj ET Q q 0 0 0 rg BT 413.86 718.10 Td (have ) Tj ET Q q 0 0 0 rg BT 435.34 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 442.39 718.10 Td (material ) Tj ET Q q 0 0 0 rg BT 477.75 718.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 510.89 718.10 Td (ef) Tj ET Q q 0 0 0 rg BT 518.48 718.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 536.07 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 548.67 718.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (profitability ) Tj ET Q q 0 0 0 rg BT 100.72 706.10 Td (under ) Tj ET Q q 0 0 0 rg BT 126.43 706.10 Td (our ) Tj ET Q q 0 0 0 rg BT 142.71 706.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 168.42 706.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 209.13 706.10 Td (if ) Tj ET Q q 0 0 0 rg BT 218.19 706.10 Td (such ) Tj ET Q q 0 0 0 rg BT 239.47 706.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 274.08 706.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 317.57 706.10 Td (fail ) Tj ET Q q 0 0 0 rg BT 333.84 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 344.57 706.10 Td (repay ) Tj ET Q q 0 0 0 rg BT 369.72 706.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 419.33 706.10 Td (credit. ) Tj ET Q q 0 0 0 rg BT 446.89 706.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 496.80 706.10 Td (, ) Tj ET Q q 0 0 0 rg BT 502.24 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 517.41 706.10 Td (inability ) Tj ET Q q 0 0 0 rg BT 553.68 706.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (any ) Tj ET Q q 0 0 0 rg BT 66.48 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 76.86 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 91.12 694.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 128.14 694.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 174.64 694.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 215.57 694.10 Td (our ) Tj ET Q q 0 0 0 rg BT 230.94 694.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 270.75 694.10 Td (facilities ) Tj ET Q q 0 0 0 rg BT 307.22 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 317.04 694.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 337.41 694.10 Td (their ) Tj ET Q q 0 0 0 rg BT 357.78 694.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 400.36 694.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 456.84 694.10 Td (could ) Tj ET Q q 0 0 0 rg BT 481.10 694.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 523.68 694.10 Td (adversely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (af) Tj ET Q q 0 0 0 rg BT 57.59 682.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 75.07 682.10 Td (our ) Tj ET Q q 0 0 0 rg BT 90.90 682.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 118.96 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 129.23 682.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 150.06 682.10 Td (our ) Tj ET Q q 0 0 0 rg BT 165.89 682.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 191.16 682.10 Td (programs, ) Tj ET Q q 0 0 0 rg BT 233.93 682.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 263.08 682.10 Td (expenditures ) Tj ET Q q 0 0 0 rg BT 316.67 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 333.61 682.10 Td (other ) Tj ET Q q 0 0 0 rg BT 356.66 682.10 Td (general ) Tj ET Q q 0 0 0 rg BT 388.58 682.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 428.83 682.10 Td (needs.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.46 664.10 Td (Company) Tj ET Q q 0 0 0 rg BT 109.50 664.10 Td (s ) Tj ET Q q 0 0 0 rg BT 114.74 664.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 148.32 664.10 Td (and ) Tj ET Q q 0 0 0 rg BT 165.23 664.10 Td (future ) Tj ET Q q 0 0 0 rg BT 192.14 664.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 216.26 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 225.94 664.10 Td (indebtedness ) Tj ET Q q 0 0 0 rg BT 280.07 664.10 Td (could ) Tj ET Q q 0 0 0 rg BT 304.20 664.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 343.87 664.10 Td (af) Tj ET Q q 0 0 0 rg BT 352.02 664.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 368.35 664.10 Td (its ) Tj ET Q q 0 0 0 rg BT 379.15 664.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 417.73 664.10 Td (health, ) Tj ET Q q 0 0 0 rg BT 447.70 664.10 Td (its ) Tj ET Q q 0 0 0 rg BT 458.50 664.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 485.40 664.10 Td (to ) Tj ET Q q 0 0 0 rg BT 494.53 664.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 522.00 664.10 Td (financing ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.89 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.21 652.10 Td (future, ) Tj ET Q q 0 0 0 rg BT 106.82 652.10 Td (its ) Tj ET Q q 0 0 0 rg BT 118.82 652.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 146.92 652.10 Td (to ) Tj ET Q q 0 0 0 rg BT 157.25 652.10 Td (react ) Tj ET Q q 0 0 0 rg BT 180.34 652.10 Td (to ) Tj ET Q q 0 0 0 rg BT 190.67 652.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 227.11 652.10 Td (in ) Tj ET Q q 0 0 0 rg BT 237.99 652.10 Td (its ) Tj ET Q q 0 0 0 rg BT 249.99 652.10 Td (business ) Tj ET Q q 0 0 0 rg BT 287.55 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 305.66 652.10 Td (its ) Tj ET Q q 0 0 0 rg BT 317.66 652.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 345.76 652.10 Td (to ) Tj ET Q q 0 0 0 rg BT 356.08 652.10 Td (fulfill ) Tj ET Q q 0 0 0 rg BT 381.97 652.10 Td (its ) Tj ET Q q 0 0 0 rg BT 393.96 652.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 442.08 652.10 Td (under ) Tj ET Q q 0 0 0 rg BT 469.08 652.10 Td (such ) Tj ET Q q 0 0 0 rg BT 491.08 652.10 Td (indebtedness.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.36 652.10 Td ( ) Tj ET Q q 0 0 0 rg BT 548.90 652.10 Td ( ) Tj ET Q q 0 0 0 rg BT 550.89 652.10 Td (As ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.52 640.10 Td (January ) Tj ET Q q 0 0 0 rg BT 93.81 640.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 108.50 640.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 133.18 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.59 640.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 188.67 640.10 Td (had ) Tj ET Q q 0 0 0 rg BT 205.29 640.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 246.34 640.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 295.20 640.10 Td (indebtedness, ) Tj ET Q q 0 0 0 rg BT 351.54 640.10 Td (including ) Tj ET Q q 0 0 0 rg BT 391.51 640.10 Td (under ) Tj ET Q q 0 0 0 rg BT 416.46 640.10 Td (its ) Tj ET Q q 0 0 0 rg BT 428.10 640.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 468.61 640.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 493.57 640.10 Td (facility) Tj ET Q q 0 0 0 rg BT 521.24 640.10 Td (, ) Tj ET Q q 0 0 0 rg BT 525.93 640.10 Td (its ) Tj ET Q q 0 0 0 rg BT 537.56 640.10 Td (senior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (notes, ) Tj ET Q q 0 0 0 rg BT 76.11 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 93.05 628.10 Td (its ) Tj ET Q q 0 0 0 rg BT 105.00 628.10 Td (various ) Tj ET Q q 0 0 0 rg BT 136.93 628.10 Td (classes ) Tj ET Q q 0 0 0 rg BT 167.20 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 178.03 628.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 231.62 628.10 Td (notes, ) Tj ET Q q 0 0 0 rg BT 257.72 628.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.55 628.10 Td ($1.09 ) Tj ET Q q 0 0 0 rg BT 293.55 628.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.67 628.10 Td (. ) Tj ET Q q 0 0 0 rg BT 324.67 628.10 Td ( ) Tj ET Q q 0 0 0 rg BT 326.99 628.10 Td (This ) Tj ET Q q 0 0 0 rg BT 347.27 628.10 Td (level ) Tj ET Q q 0 0 0 rg BT 369.20 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 380.03 628.10 Td (indebtedness ) Tj ET Q q 0 0 0 rg BT 434.18 628.10 Td (could:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 610.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 610.10 Td (make it more dif) Tj ET Q q 0 0 0 rg BT 152.19 610.10 Td (ficult for the Company to satisfy its obligations with respect to its outstanding notes and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 598.10 Td (indebtedness, resulting in possible defaults on and acceleration of such indebtedness;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 580.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 580.10 Td (require the Company to dedicate a substantial portion of its cash flow from operations to the payment of principal and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 568.10 Td (interest on its indebtedness, thereby reducing the availability of such cash flows to fund working capital, acquisitions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 556.10 Td (new store openings, capital expenditures and other general corporate purposes;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 538.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 538.10 Td (limit the Company) Tj ET Q q 0 0 0 rg BT 163.77 538.10 Td (s ability to obtain additional financing for working capital, acquisitions, new store openings, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 526.10 Td (capital expenditures, debt service requirements and other general corporate purposes;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 508.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 508.10 Td (limit the Company) Tj ET Q q 0 0 0 rg BT 163.77 508.10 Td (s ability to refinance indebtedness or cause the associated costs of such refinancing to increase;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 490.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 490.10 Td (increase the Company's vulnerability to general adverse economic and industry conditions, including interest rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 478.10 Td (fluctuations \(because a portion of its borrowings are at variable rates of interest\); and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 460.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 460.10 Td (place the Company at a competitive disadvantage compared to its competitors with proportionately less debt or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 448.10 Td (comparable debt at more favorable interest rates which, as a result, may be better positioned to withstand economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 436.10 Td (downturns.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 69.72 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 80.55 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 95.27 418.10 Td (foregoing ) Tj ET Q q 0 0 0 rg BT 136.65 418.10 Td (impacts ) Tj ET Q q 0 0 0 rg BT 170.25 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 181.08 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 195.80 418.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 242.88 418.10 Td (level ) Tj ET Q q 0 0 0 rg BT 264.81 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 275.64 418.10 Td (indebtedness ) Tj ET Q q 0 0 0 rg BT 329.79 418.10 Td (could ) Tj ET Q q 0 0 0 rg BT 354.51 418.10 Td (have ) Tj ET Q q 0 0 0 rg BT 375.89 418.10 Td (a ) Tj ET Q q 0 0 0 rg BT 382.83 418.10 Td (material ) Tj ET Q q 0 0 0 rg BT 418.09 418.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 451.12 418.10 Td (ef) Tj ET Q q 0 0 0 rg BT 458.71 418.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 476.20 418.10 Td (on ) Tj ET Q q 0 0 0 rg BT 488.70 418.10 Td (it.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.97 400.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 88.48 400.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 129.66 400.10 Td (may ) Tj ET Q q 0 0 0 rg BT 149.17 400.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 180.33 400.10 Td (ratings ) Tj ET Q q 0 0 0 rg BT 211.52 400.10 Td (that ) Tj ET Q q 0 0 0 rg BT 229.93 400.10 Td (may ) Tj ET Q q 0 0 0 rg BT 249.45 400.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 286.18 400.10 Td (our ) Tj ET Q q 0 0 0 rg BT 302.92 400.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 348.01 400.10 Td (costs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.51 400.10 Td ( ) Tj ET Q q 0 0 0 rg BT 372.81 400.10 Td ( ) Tj ET Q q 0 0 0 rg BT 375.10 400.10 Td (In ) Tj ET Q q 0 0 0 rg BT 385.72 400.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 423.29 400.10 Td (we ) Tj ET Q q 0 0 0 rg BT 437.25 400.10 Td (may ) Tj ET Q q 0 0 0 rg BT 456.76 400.10 Td (elect ) Tj ET Q q 0 0 0 rg BT 477.92 400.10 Td (to ) Tj ET Q q 0 0 0 rg BT 487.99 400.10 Td (issue ) Tj ET Q q 0 0 0 rg BT 510.29 400.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 550.35 400.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (which ) Tj ET Q q 0 0 0 rg BT 78.31 388.10 Td (we ) Tj ET Q q 0 0 0 rg BT 93.84 388.10 Td (may ) Tj ET Q q 0 0 0 rg BT 114.93 388.10 Td (seek ) Tj ET Q q 0 0 0 rg BT 136.57 388.10 Td (to ) Tj ET Q q 0 0 0 rg BT 148.22 388.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 177.08 388.10 Td (a ) Tj ET Q q 0 0 0 rg BT 185.39 388.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 212.59 388.10 Td (from ) Tj ET Q q 0 0 0 rg BT 235.90 388.10 Td (a ) Tj ET Q q 0 0 0 rg BT 244.20 388.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 271.40 388.10 Td (agency) Tj ET Q q 0 0 0 rg BT 299.07 388.10 Td (. ) Tj ET Q q 0 0 0 rg BT 305.44 388.10 Td (It ) Tj ET Q q 0 0 0 rg BT 315.42 388.10 Td (is ) Tj ET Q q 0 0 0 rg BT 325.96 388.10 Td (possible, ) Tj ET Q q 0 0 0 rg BT 365.10 388.10 Td (however) Tj ET Q q 0 0 0 rg BT 399.13 388.10 Td (, ) Tj ET Q q 0 0 0 rg BT 405.50 388.10 Td (that ) Tj ET Q q 0 0 0 rg BT 424.37 388.10 Td (one ) Tj ET Q q 0 0 0 rg BT 442.68 388.10 Td (or ) Tj ET Q q 0 0 0 rg BT 454.88 388.10 Td (more ) Tj ET Q q 0 0 0 rg BT 479.30 388.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 506.49 388.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 544.79 388.10 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (independently ) Tj ET Q q 0 0 0 rg BT 109.33 376.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 151.99 376.10 Td (to ) Tj ET Q q 0 0 0 rg BT 162.44 376.10 Td (assign ) Tj ET Q q 0 0 0 rg BT 190.12 376.10 Td (a ) Tj ET Q q 0 0 0 rg BT 197.24 376.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 223.24 376.10 Td (to ) Tj ET Q q 0 0 0 rg BT 233.70 376.10 Td (any ) Tj ET Q q 0 0 0 rg BT 250.82 376.10 Td (of ) Tj ET Q q 0 0 0 rg BT 261.82 376.10 Td (our ) Tj ET Q q 0 0 0 rg BT 277.83 376.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 305.51 376.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 325.41 376.10 Td (securities. ) Tj ET Q q 0 0 0 rg BT 368.35 376.10 Td (If ) Tj ET Q q 0 0 0 rg BT 377.69 376.10 Td (any ) Tj ET Q q 0 0 0 rg BT 394.80 376.10 Td (ratings ) Tj ET Q q 0 0 0 rg BT 424.70 376.10 Td (are ) Tj ET Q q 0 0 0 rg BT 439.58 376.10 Td (assigned ) Tj ET Q q 0 0 0 rg BT 476.70 376.10 Td (to ) Tj ET Q q 0 0 0 rg BT 487.16 376.10 Td (any ) Tj ET Q q 0 0 0 rg BT 504.27 376.10 Td (of ) Tj ET Q q 0 0 0 rg BT 515.28 376.10 Td (our ) Tj ET Q q 0 0 0 rg BT 531.29 376.10 Td (debt, ) Tj ET Q q 0 0 0 rg BT 553.68 376.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.16 364.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 117.19 364.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 140.24 364.10 Td (or ) Tj ET Q q 0 0 0 rg BT 150.51 364.10 Td (other ) Tj ET Q q 0 0 0 rg BT 173.00 364.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 212.70 364.10 Td (with ) Tj ET Q q 0 0 0 rg BT 232.42 364.10 Td (a ) Tj ET Q q 0 0 0 rg BT 238.81 364.10 Td (rating, ) Tj ET Q q 0 0 0 rg BT 266.57 364.10 Td (such ) Tj ET Q q 0 0 0 rg BT 286.85 364.10 Td (ratings, ) Tj ET Q q 0 0 0 rg BT 318.50 364.10 Td (if ) Tj ET Q q 0 0 0 rg BT 326.56 364.10 Td (they ) Tj ET Q q 0 0 0 rg BT 345.71 364.10 Td (are ) Tj ET Q q 0 0 0 rg BT 359.86 364.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 384.58 364.10 Td (than ) Tj ET Q q 0 0 0 rg BT 403.73 364.10 Td (market ) Tj ET Q q 0 0 0 rg BT 433.44 364.10 Td (expectations ) Tj ET Q q 0 0 0 rg BT 485.36 364.10 Td (or ) Tj ET Q q 0 0 0 rg BT 495.64 364.10 Td (are ) Tj ET Q q 0 0 0 rg BT 509.79 364.10 Td (subsequently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (lowered ) Tj ET Q q 0 0 0 rg BT 85.76 352.10 Td (or ) Tj ET Q q 0 0 0 rg BT 97.64 352.10 Td (withdrawn, ) Tj ET Q q 0 0 0 rg BT 146.47 352.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 182.23 352.10 Td (as ) Tj ET Q q 0 0 0 rg BT 194.11 352.10 Td (a ) Tj ET Q q 0 0 0 rg BT 202.10 352.10 Td (result ) Tj ET Q q 0 0 0 rg BT 227.87 352.10 Td (of ) Tj ET Q q 0 0 0 rg BT 239.76 352.10 Td (our ) Tj ET Q q 0 0 0 rg BT 256.64 352.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 288.52 352.10 Td (or ) Tj ET Q q 0 0 0 rg BT 300.40 352.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 331.17 352.10 Td (which ) Tj ET Q q 0 0 0 rg BT 359.16 352.10 Td (are ) Tj ET Q q 0 0 0 rg BT 374.92 352.10 Td (beyond ) Tj ET Q q 0 0 0 rg BT 407.91 352.10 Td (our ) Tj ET Q q 0 0 0 rg BT 424.79 352.10 Td (control, ) Tj ET Q q 0 0 0 rg BT 459.17 352.10 Td (could ) Tj ET Q q 0 0 0 rg BT 484.94 352.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 521.25 352.10 Td (our ) Tj ET Q q 0 0 0 rg BT 538.13 352.10 Td (future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 94.94 340.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 118.21 340.10 Td (and ) Tj ET Q q 0 0 0 rg BT 135.92 340.10 Td (impair ) Tj ET Q q 0 0 0 rg BT 165.30 340.10 Td (our ) Tj ET Q q 0 0 0 rg BT 181.91 340.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 210.74 340.10 Td (to ) Tj ET Q q 0 0 0 rg BT 221.79 340.10 Td (access ) Tj ET Q q 0 0 0 rg BT 250.60 340.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 280.53 340.10 Td (and ) Tj ET Q q 0 0 0 rg BT 298.24 340.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 324.28 340.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 359.21 340.10 Td (on ) Tj ET Q q 0 0 0 rg BT 372.49 340.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 397.98 340.10 Td (commercially ) Tj ET Q q 0 0 0 rg BT 456.23 340.10 Td (acceptable ) Tj ET Q q 0 0 0 rg BT 501.69 340.10 Td (to ) Tj ET Q q 0 0 0 rg BT 512.75 340.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 527.41 340.10 Td (or ) Tj ET Q q 0 0 0 rg BT 539.02 340.10 Td (at ) Tj ET Q q 0 0 0 rg BT 549.51 340.10 Td (all. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (Inability ) Tj ET Q q 0 0 0 rg BT 86.05 328.10 Td (to ) Tj ET Q q 0 0 0 rg BT 95.99 328.10 Td (access ) Tj ET Q q 0 0 0 rg BT 123.69 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 138.08 328.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 163.01 328.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 196.83 328.10 Td (on ) Tj ET Q q 0 0 0 rg BT 208.99 328.10 Td (acceptable ) Tj ET Q q 0 0 0 rg BT 253.34 328.10 Td (terms, ) Tj ET Q q 0 0 0 rg BT 280.23 328.10 Td (if ) Tj ET Q q 0 0 0 rg BT 288.50 328.10 Td (at ) Tj ET Q q 0 0 0 rg BT 297.88 328.10 Td (all, ) Tj ET Q q 0 0 0 rg BT 312.54 328.10 Td (could ) Tj ET Q q 0 0 0 rg BT 336.93 328.10 Td (have ) Tj ET Q q 0 0 0 rg BT 357.97 328.10 Td (a ) Tj ET Q q 0 0 0 rg BT 364.57 328.10 Td (material ) Tj ET Q q 0 0 0 rg BT 399.50 328.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 432.20 328.10 Td (ef) Tj ET Q q 0 0 0 rg BT 439.79 328.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 456.94 328.10 Td (on ) Tj ET Q q 0 0 0 rg BT 469.10 328.10 Td (our ) Tj ET Q q 0 0 0 rg BT 484.60 328.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 521.75 328.10 Td (condition.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (Securitization ) Tj ET Q q 0 0 0 rg BT 110.05 310.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 145.63 310.10 Td (have ) Tj ET Q q 0 0 0 rg BT 167.88 310.10 Td (undergone ) Tj ET Q q 0 0 0 rg BT 215.14 310.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 247.95 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 259.09 310.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 305.80 310.10 Td (dislocation ) Tj ET Q q 0 0 0 rg BT 353.61 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 364.76 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 380.35 310.10 Td (past, ) Tj ET Q q 0 0 0 rg BT 402.33 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 420.70 310.10 Td (we ) Tj ET Q q 0 0 0 rg BT 434.61 310.10 Td (might ) Tj ET Q q 0 0 0 rg BT 461.32 310.10 Td (not ) Tj ET Q q 0 0 0 rg BT 477.47 310.10 Td (be ) Tj ET Q q 0 0 0 rg BT 489.72 310.10 Td (able ) Tj ET Q q 0 0 0 rg BT 509.74 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 520.33 310.10 Td (access ) Tj ET Q q 0 0 0 rg BT 549.24 310.10 Td (the ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (securitization ) Tj ET Q q 0 0 0 rg BT 108.11 298.10 Td (market ) Tj ET Q q 0 0 0 rg BT 139.54 298.10 Td (for ) Tj ET Q q 0 0 0 rg BT 154.31 298.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 184.63 298.10 Td (from ) Tj ET Q q 0 0 0 rg BT 207.18 298.10 Td (time ) Tj ET Q q 0 0 0 rg BT 227.49 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 237.82 298.10 Td (time ) Tj ET Q q 0 0 0 rg BT 258.14 298.10 Td (in ) Tj ET Q q 0 0 0 rg BT 269.02 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.35 298.10 Td (future. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.95 298.10 Td (The ) Tj ET Q q 0 0 0 rg BT 333.04 298.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 377.80 298.10 Td (recession ) Tj ET Q q 0 0 0 rg BT 417.55 298.10 Td (that ) Tj ET Q q 0 0 0 rg BT 435.10 298.10 Td (began ) Tj ET Q q 0 0 0 rg BT 461.52 298.10 Td (in ) Tj ET Q q 0 0 0 rg BT 471.84 298.10 Td (2009 ) Tj ET Q q 0 0 0 rg BT 494.39 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 511.37 298.10 Td (events ) Tj ET Q q 0 0 0 rg BT 539.46 298.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 298.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (securitization ) Tj ET Q q 0 0 0 rg BT 106.11 286.10 Td (markets, ) Tj ET Q q 0 0 0 rg BT 142.50 286.10 Td (as ) Tj ET Q q 0 0 0 rg BT 153.07 286.10 Td (well ) Tj ET Q q 0 0 0 rg BT 172.52 286.10 Td (as ) Tj ET Q q 0 0 0 rg BT 183.09 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 197.55 286.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 217.00 286.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 250.90 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 267.58 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 282.03 286.10 Td (economy ) Tj ET Q q 0 0 0 rg BT 320.93 286.10 Td (generally) Tj ET Q q 0 0 0 rg BT 357.48 286.10 Td (, ) Tj ET Q q 0 0 0 rg BT 362.22 286.10 Td (caused ) Tj ET Q q 0 0 0 rg BT 391.66 286.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 436.11 286.10 Td (dislocations, ) Tj ET Q q 0 0 0 rg BT 488.63 286.10 Td (lack ) Tj ET Q q 0 0 0 rg BT 507.52 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 518.09 286.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 554.22 286.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 63.60 274.10 Td (market ) Tj ET Q q 0 0 0 rg BT 92.75 274.10 Td (for ) Tj ET Q q 0 0 0 rg BT 105.80 274.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 158.27 274.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 199.92 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 215.75 274.10 Td (a ) Tj ET Q q 0 0 0 rg BT 221.57 274.10 Td (severe ) Tj ET Q q 0 0 0 rg BT 248.50 274.10 Td (disruption ) Tj ET Q q 0 0 0 rg BT 290.44 274.10 Td (in ) Tj ET Q q 0 0 0 rg BT 299.60 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 313.21 274.10 Td (wider ) Tj ET Q q 0 0 0 rg BT 337.36 274.10 Td (global ) Tj ET Q q 0 0 0 rg BT 363.75 274.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 400.11 274.10 Td (markets, ) Tj ET Q q 0 0 0 rg BT 435.65 274.10 Td (including ) Tj ET Q q 0 0 0 rg BT 474.81 274.10 Td (a ) Tj ET Q q 0 0 0 rg BT 480.64 274.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 524.24 274.10 Td (reduction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 59.84 262.10 Td (investor ) Tj ET Q q 0 0 0 rg BT 93.56 262.10 Td (demand ) Tj ET Q q 0 0 0 rg BT 126.72 262.10 Td (for) Tj ET Q q 0 0 0 rg BT 137.98 262.10 Td (, ) Tj ET Q q 0 0 0 rg BT 141.98 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 157.93 262.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 198.86 262.10 Td (of, ) Tj ET Q q 0 0 0 rg BT 211.20 262.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 263.79 262.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 303.06 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 319.00 262.10 Td (structured ) Tj ET Q q 0 0 0 rg BT 360.49 262.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 396.98 262.10 Td (products. ) Tj ET Q q 0 0 0 rg BT 435.31 262.10 Td (While ) Tj ET Q q 0 0 0 rg BT 461.25 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.97 262.10 Td (securitization ) Tj ET Q q 0 0 0 rg BT 530.34 262.10 Td (markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (have ) Tj ET Q q 0 0 0 rg BT 73.08 250.10 Td (recovered ) Tj ET Q q 0 0 0 rg BT 116.70 250.10 Td (in ) Tj ET Q q 0 0 0 rg BT 128.68 250.10 Td (many ) Tj ET Q q 0 0 0 rg BT 155.10 250.10 Td (respects, ) Tj ET Q q 0 0 0 rg BT 194.01 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 212.65 250.10 Td (we ) Tj ET Q q 0 0 0 rg BT 228.51 250.10 Td (have ) Tj ET Q q 0 0 0 rg BT 251.59 250.10 Td (successfully ) Tj ET Q q 0 0 0 rg BT 304.67 250.10 Td (consummated ) Tj ET Q q 0 0 0 rg BT 364.42 250.10 Td (several ) Tj ET Q q 0 0 0 rg BT 396.94 250.10 Td (securitization ) Tj ET Q q 0 0 0 rg BT 455.01 250.10 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 509.47 250.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 553.67 250.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (prolonged ) Tj ET Q q 0 0 0 rg BT 92.93 238.10 Td (disruptions ) Tj ET Q q 0 0 0 rg BT 139.77 238.10 Td (on ) Tj ET Q q 0 0 0 rg BT 152.16 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 166.76 238.10 Td (securitization ) Tj ET Q q 0 0 0 rg BT 223.02 238.10 Td (market ) Tj ET Q q 0 0 0 rg BT 253.17 238.10 Td (could ) Tj ET Q q 0 0 0 rg BT 277.77 238.10 Td (preclude ) Tj ET Q q 0 0 0 rg BT 314.58 238.10 Td (our ) Tj ET Q q 0 0 0 rg BT 330.30 238.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 358.24 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 368.41 238.10 Td (use ) Tj ET Q q 0 0 0 rg BT 384.13 238.10 Td (securitization ) Tj ET Q q 0 0 0 rg BT 440.38 238.10 Td (as ) Tj ET Q q 0 0 0 rg BT 451.10 238.10 Td (a ) Tj ET Q q 0 0 0 rg BT 457.92 238.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 498.08 238.10 Td (source, ) Tj ET Q q 0 0 0 rg BT 529.06 238.10 Td (or ) Tj ET Q q 0 0 0 rg BT 539.78 238.10 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (render ) Tj ET Q q 0 0 0 rg BT 78.35 226.10 Td (it ) Tj ET Q q 0 0 0 rg BT 86.72 226.10 Td (an ) Tj ET Q q 0 0 0 rg BT 98.97 226.10 Td (inef) Tj ET Q q 0 0 0 rg BT 114.34 226.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 142.69 226.10 Td (source ) Tj ET Q q 0 0 0 rg BT 171.60 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 182.74 226.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 223.32 226.10 Td (making ) Tj ET Q q 0 0 0 rg BT 256.13 226.10 Td (us ) Tj ET Q q 0 0 0 rg BT 267.83 226.10 Td (more ) Tj ET Q q 0 0 0 rg BT 291.19 226.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 335.10 226.10 Td (on ) Tj ET Q q 0 0 0 rg BT 347.91 226.10 Td (alternative ) Tj ET Q q 0 0 0 rg BT 392.92 226.10 Td (sourcing ) Tj ET Q q 0 0 0 rg BT 430.17 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 441.31 226.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 481.89 226.10 Td (that ) Tj ET Q q 0 0 0 rg BT 499.70 226.10 Td (might ) Tj ET Q q 0 0 0 rg BT 525.84 226.10 Td (not ) Tj ET Q q 0 0 0 rg BT 541.44 226.10 Td (be ) Tj ET Q q 0 0 0 rg BT 553.69 226.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (favorable ) Tj ET Q q 0 0 0 rg BT 90.25 214.10 Td (as ) Tj ET Q q 0 0 0 rg BT 101.08 214.10 Td (securitizations ) Tj ET Q q 0 0 0 rg BT 161.34 214.10 Td (or ) Tj ET Q q 0 0 0 rg BT 172.17 214.10 Td (might ) Tj ET Q q 0 0 0 rg BT 198.01 214.10 Td (be ) Tj ET Q q 0 0 0 rg BT 209.95 214.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 251.32 214.10 Td (unfavorable ) Tj ET Q q 0 0 0 rg BT 301.58 214.10 Td (or ) Tj ET Q q 0 0 0 rg BT 312.41 214.10 Td (unavailable ) Tj ET Q q 0 0 0 rg BT 361.00 214.10 Td (altogether) Tj ET Q q 0 0 0 rg BT 400.42 214.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (Securitization ) Tj ET Q q 0 0 0 rg BT 109.72 196.10 Td (structures ) Tj ET Q q 0 0 0 rg BT 153.32 196.10 Td (are ) Tj ET Q q 0 0 0 rg BT 169.13 196.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 200.49 196.10 Td (to ) Tj ET Q q 0 0 0 rg BT 210.75 196.10 Td (an ) Tj ET Q q 0 0 0 rg BT 223.79 196.10 Td (evolving ) Tj ET Q q 0 0 0 rg BT 260.71 196.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 305.96 196.10 Td (environment ) Tj ET Q q 0 0 0 rg BT 360.67 196.10 Td (that ) Tj ET Q q 0 0 0 rg BT 379.27 196.10 Td (may ) Tj ET Q q 0 0 0 rg BT 398.96 196.10 Td (af) Tj ET Q q 0 0 0 rg BT 407.11 196.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 424.58 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 439.84 196.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 487.86 196.10 Td (and ) Tj ET Q q 0 0 0 rg BT 505.90 196.10 Td (attractiveness ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.48 184.10 Td (securitization ) Tj ET Q q 0 0 0 rg BT 118.19 184.10 Td (as ) Tj ET Q q 0 0 0 rg BT 129.23 184.10 Td (a ) Tj ET Q q 0 0 0 rg BT 136.37 184.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 178.53 184.10 Td (option. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.29 184.10 Td (In ) Tj ET Q q 0 0 0 rg BT 219.77 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 234.13 184.10 Td (United ) Tj ET Q q 0 0 0 rg BT 263.49 184.10 Td (States, ) Tj ET Q q 0 0 0 rg BT 292.03 184.10 Td (following ) Tj ET Q q 0 0 0 rg BT 333.06 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 347.42 184.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 388.44 184.10 Td (recession ) Tj ET Q q 0 0 0 rg BT 427.79 184.10 Td (that ) Tj ET Q q 0 0 0 rg BT 444.93 184.10 Td (began ) Tj ET Q q 0 0 0 rg BT 470.96 184.10 Td (in ) Tj ET Q q 0 0 0 rg BT 480.88 184.10 Td (2009, ) Tj ET Q q 0 0 0 rg BT 505.53 184.10 Td (there ) Tj ET Q q 0 0 0 rg BT 527.66 184.10 Td (has ) Tj ET Q q 0 0 0 rg BT 543.13 184.10 Td (been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 90.07 172.10 Td (political ) Tj ET Q q 0 0 0 rg BT 125.15 172.10 Td (and ) Tj ET Q q 0 0 0 rg BT 141.91 172.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 185.32 172.10 Td (scrutiny ) Tj ET Q q 0 0 0 rg BT 219.85 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 230.50 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 245.03 172.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 298.43 172.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 338.51 172.10 Td (industry) Tj ET Q q 0 0 0 rg BT 370.64 172.10 Td (. ) Tj ET Q q 0 0 0 rg BT 375.29 172.10 Td (This ) Tj ET Q q 0 0 0 rg BT 395.38 172.10 Td (has ) Tj ET Q q 0 0 0 rg BT 411.03 172.10 Td (resulted ) Tj ET Q q 0 0 0 rg BT 445.00 172.10 Td (in ) Tj ET Q q 0 0 0 rg BT 455.09 172.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 495.16 172.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 538.02 172.10 Td (that ) Tj ET Q q 0 0 0 rg BT 555.33 172.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 89.72 160.10 Td (at ) Tj ET Q q 0 0 0 rg BT 100.55 160.10 Td (various ) Tj ET Q q 0 0 0 rg BT 133.62 160.10 Td (stages ) Tj ET Q q 0 0 0 rg BT 161.68 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 173.63 160.10 Td (implementation. ) Tj ET Q q 0 0 0 rg BT 242.25 160.10 Td (The ) Tj ET Q q 0 0 0 rg BT 261.42 160.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 292.25 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 304.21 160.10 Td (such ) Tj ET Q q 0 0 0 rg BT 326.16 160.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 374.21 160.10 Td (on ) Tj ET Q q 0 0 0 rg BT 387.84 160.10 Td (investors ) Tj ET Q q 0 0 0 rg BT 427.57 160.10 Td (in ) Tj ET Q q 0 0 0 rg BT 438.97 160.10 Td (securitization ) Tj ET Q q 0 0 0 rg BT 496.46 160.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 531.73 160.10 Td (and ) Tj ET Q q 0 0 0 rg BT 549.79 160.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (incentives ) Tj ET Q q 0 0 0 rg BT 93.86 148.10 Td (for ) Tj ET Q q 0 0 0 rg BT 108.84 148.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 139.36 148.10 Td (investors ) Tj ET Q q 0 0 0 rg BT 178.79 148.10 Td (to ) Tj ET Q q 0 0 0 rg BT 189.89 148.10 Td (hold ) Tj ET Q q 0 0 0 rg BT 210.99 148.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 265.39 148.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 306.47 148.10 Td (remain ) Tj ET Q q 0 0 0 rg BT 337.55 148.10 Td (unclear) Tj ET Q q 0 0 0 rg BT 366.58 148.10 Td (, ) Tj ET Q q 0 0 0 rg BT 372.40 148.10 Td (and ) Tj ET Q q 0 0 0 rg BT 390.16 148.10 Td (may ) Tj ET Q q 0 0 0 rg BT 410.69 148.10 Td (have ) Tj ET Q q 0 0 0 rg BT 432.89 148.10 Td (a ) Tj ET Q q 0 0 0 rg BT 440.65 148.10 Td (material ) Tj ET Q q 0 0 0 rg BT 476.72 148.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 510.58 148.10 Td (ef) Tj ET Q q 0 0 0 rg BT 518.17 148.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 536.47 148.10 Td (on ) Tj ET Q q 0 0 0 rg BT 549.79 148.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 86.21 136.10 Td (of ) Tj ET Q q 0 0 0 rg BT 96.85 136.10 Td (such ) Tj ET Q q 0 0 0 rg BT 117.49 136.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 160.07 136.10 Td (which ) Tj ET Q q 0 0 0 rg BT 186.82 136.10 Td (could ) Tj ET Q q 0 0 0 rg BT 211.35 136.10 Td (have ) Tj ET Q q 0 0 0 rg BT 232.54 136.10 Td (a ) Tj ET Q q 0 0 0 rg BT 239.29 136.10 Td (material ) Tj ET Q q 0 0 0 rg BT 274.37 136.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 307.22 136.10 Td (ef) Tj ET Q q 0 0 0 rg BT 314.80 136.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 332.10 136.10 Td (on ) Tj ET Q q 0 0 0 rg BT 344.42 136.10 Td (our ) Tj ET Q q 0 0 0 rg BT 360.06 136.10 Td (liquidity) Tj ET Q q 0 0 0 rg BT 393.30 136.10 Td (. ) Tj ET Q q 0 0 0 rg BT 397.61 136.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 447.51 136.10 Td (, ) Tj ET Q q 0 0 0 rg BT 452.32 136.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 474.07 136.10 Td (from ) Tj ET Q q 0 0 0 rg BT 495.83 136.10 Td (various ) Tj ET Q q 0 0 0 rg BT 527.58 136.10 Td (agencies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (now ) Tj ET Q q 0 0 0 rg BT 69.77 124.10 Td (require ) Tj ET Q q 0 0 0 rg BT 100.63 124.10 Td (sponsors ) Tj ET Q q 0 0 0 rg BT 138.19 124.10 Td (of ) Tj ET Q q 0 0 0 rg BT 149.07 124.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 202.70 124.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 243.01 124.10 Td (to ) Tj ET Q q 0 0 0 rg BT 253.34 124.10 Td (retain ) Tj ET Q q 0 0 0 rg BT 278.65 124.10 Td (an ) Tj ET Q q 0 0 0 rg BT 290.64 124.10 Td (ownership ) Tj ET Q q 0 0 0 rg BT 334.85 124.10 Td (stake ) Tj ET Q q 0 0 0 rg BT 357.94 124.10 Td (in ) Tj ET Q q 0 0 0 rg BT 368.27 124.10 Td (securitization ) Tj ET Q q 0 0 0 rg BT 424.69 124.10 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 476.94 124.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 496.71 124.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 529.79 124.10 Td (changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.19 112.10 Td (these ) Tj ET Q q 0 0 0 rg BT 81.15 112.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 126.99 112.10 Td (could ) Tj ET Q q 0 0 0 rg BT 150.62 112.10 Td (ef) Tj ET Q q 0 0 0 rg BT 158.21 112.10 Td (fectively ) Tj ET Q q 0 0 0 rg BT 194.60 112.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 214.90 112.10 Td (our ) Tj ET Q q 0 0 0 rg BT 229.64 112.10 Td (access ) Tj ET Q q 0 0 0 rg BT 256.59 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 265.78 112.10 Td (securitization ) Tj ET Q q 0 0 0 rg BT 321.06 112.10 Td (as ) Tj ET Q q 0 0 0 rg BT 330.80 112.10 Td (a ) Tj ET Q q 0 0 0 rg BT 336.65 112.10 Td (source ) Tj ET Q q 0 0 0 rg BT 364.16 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 373.90 112.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 413.08 112.10 Td (or ) Tj ET Q q 0 0 0 rg BT 422.82 112.10 Td (alter ) Tj ET Q q 0 0 0 rg BT 441.99 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 455.62 112.10 Td (structure ) Tj ET Q q 0 0 0 rg BT 492.02 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 501.76 112.10 Td (securitizations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (which ) Tj ET Q q 0 0 0 rg BT 77.30 100.10 Td (could ) Tj ET Q q 0 0 0 rg BT 102.37 100.10 Td (pose ) Tj ET Q q 0 0 0 rg BT 123.56 100.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 145.31 100.10 Td (to ) Tj ET Q q 0 0 0 rg BT 155.94 100.10 Td (our ) Tj ET Q q 0 0 0 rg BT 172.13 100.10 Td (participation ) Tj ET Q q 0 0 0 rg BT 225.53 100.10 Td (in ) Tj ET Q q 0 0 0 rg BT 236.16 100.10 Td (any ) Tj ET Q q 0 0 0 rg BT 253.46 100.10 Td (securitizations ) Tj ET Q q 0 0 0 rg BT 314.08 100.10 Td (or ) Tj ET Q q 0 0 0 rg BT 325.27 100.10 Td (could ) Tj ET Q q 0 0 0 rg BT 350.34 100.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 379.84 100.10 Td (or ) Tj ET Q q 0 0 0 rg BT 391.03 100.10 Td (eliminate ) Tj ET Q q 0 0 0 rg BT 431.10 100.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.17 100.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 487.90 100.10 Td (incentives ) Tj ET Q q 0 0 0 rg BT 531.30 100.10 Td (to ) Tj ET Q q 0 0 0 rg BT 541.94 100.10 Td (us ) Tj ET Q q 0 0 0 rg BT 553.69 100.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (participating ) Tj ET Q q 0 0 0 rg BT 103.04 88.10 Td (in ) Tj ET Q q 0 0 0 rg BT 113.32 88.10 Td (securitizations.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (One ) Tj ET Q q 0 0 0 rg BT 69.33 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 79.76 70.10 Td (our ) Tj ET Q q 0 0 0 rg BT 96.32 70.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 137.87 70.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 188.88 70.10 Td (may ) Tj ET Q q 0 0 0 rg BT 208.20 70.10 Td (be ) Tj ET Q q 0 0 0 rg BT 219.74 70.10 Td (required ) Tj ET Q q 0 0 0 rg BT 256.85 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 266.73 70.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 314.95 70.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 345.94 70.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 379.15 70.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 426.79 70.10 Td (if ) Tj ET Q q 0 0 0 rg BT 435.00 70.10 Td (representations ) Tj ET Q q 0 0 0 rg BT 500.44 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 518.11 70.10 Td (warranties ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (about ) Tj ET Q q 0 0 0 rg BT 75.18 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 89.80 58.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 119.97 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 137.37 58.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 166.45 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 176.62 58.10 Td (such ) Tj ET Q q 0 0 0 rg BT 197.91 58.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 245.28 58.10 Td (are ) Tj ET Q q 0 0 0 rg BT 260.45 58.10 Td (breached, ) Tj ET Q q 0 0 0 rg BT 302.56 58.10 Td (which ) Tj ET Q q 0 0 0 rg BT 329.41 58.10 Td (may ) Tj ET Q q 0 0 0 rg BT 348.46 58.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 391.96 58.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 421.57 58.10 Td (our ) Tj ET Q q 0 0 0 rg BT 437.86 58.10 Td (results ) Tj ET Q q 0 0 0 rg BT 466.93 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 477.10 58.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 524.78 58.10 Td (financial ) Tj ET Q endstream endobj 35 0 obj <>] /Rotate 0 /Contents 36 0 R>> endobj 36 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (16) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 740.90 Td (condition, ) Tj ET Q q 0 0 0 rg BT 94.03 740.90 Td (and ) Tj ET Q q 0 0 0 rg BT 112.22 740.90 Td (liquidity) Tj ET Q q 0 0 0 rg BT 145.75 740.90 Td (.) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 148.25 740.90 Td ( ) Tj ET Q q 0 0 0 rg BT 151.40 740.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.56 740.90 Td (W) Tj ET Q q 0 0 0 rg BT 163.20 740.90 Td (e ) Tj ET Q q 0 0 0 rg BT 170.27 740.90 Td (have ) Tj ET Q q 0 0 0 rg BT 191.78 740.90 Td (entered ) Tj ET Q q 0 0 0 rg BT 223.84 740.90 Td (into ) Tj ET Q q 0 0 0 rg BT 242.03 740.90 Td (certain ) Tj ET Q q 0 0 0 rg BT 271.87 740.90 Td (financing ) Tj ET Q q 0 0 0 rg BT 312.26 740.90 Td (arrangements, ) Tj ET Q q 0 0 0 rg BT 371.26 740.90 Td (including ) Tj ET Q q 0 0 0 rg BT 411.67 740.90 Td (issuances ) Tj ET Q q 0 0 0 rg BT 452.07 740.90 Td (of ) Tj ET Q q 0 0 0 rg BT 463.03 740.90 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 516.75 740.90 Td (notes ) Tj ET Q q 0 0 0 rg BT 540.49 740.90 Td (and ) Tj ET Q q 0 0 0 rg BT 557.56 740.90 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 728.90 Td (warehouse ) Tj ET Q q 0 0 0 rg BT 95.62 728.90 Td (financing ) Tj ET Q q 0 0 0 rg BT 136.25 728.90 Td (facility ) Tj ET Q q 0 0 0 rg BT 167.43 728.90 Td (\(collectively) Tj ET Q q 0 0 0 rg BT 216.76 728.90 Td (, ) Tj ET Q q 0 0 0 rg BT 222.12 728.90 Td (Financing ) Tj ET Q q 0 0 0 rg BT 269.21 728.90 Td (T) Tj ET Q q 0 0 0 rg BT 274.97 728.90 Td (ransactions\), ) Tj ET Q q 0 0 0 rg BT 333.08 728.90 Td (that ) Tj ET Q q 0 0 0 rg BT 350.94 728.90 Td (are ) Tj ET Q q 0 0 0 rg BT 366.01 728.90 Td (secured ) Tj ET Q q 0 0 0 rg BT 399.41 728.90 Td (by ) Tj ET Q q 0 0 0 rg BT 412.27 728.90 Td (retail ) Tj ET Q q 0 0 0 rg BT 435.68 728.90 Td (installment ) Tj ET Q q 0 0 0 rg BT 482.98 728.90 Td (contracts ) Tj ET Q q 0 0 0 rg BT 521.94 728.90 Td (and ) Tj ET Q q 0 0 0 rg BT 539.24 728.90 Td (direct ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 716.90 Td (consumer ) Tj ET Q q 0 0 0 rg BT 91.13 716.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 114.49 716.90 Td (originated ) Tj ET Q q 0 0 0 rg BT 157.28 716.90 Td (by ) Tj ET Q q 0 0 0 rg BT 169.53 716.90 Td (our ) Tj ET Q q 0 0 0 rg BT 185.11 716.90 Td (operating ) Tj ET Q q 0 0 0 rg BT 225.12 716.90 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 274.59 716.90 Td (\(the ) Tj ET Q q 0 0 0 rg BT 292.38 716.90 Td (Receivables\). ) Tj ET Q q 0 0 0 rg BT 357.65 716.90 Td ( ) Tj ET Q q 0 0 0 rg BT 359.90 716.90 Td (In ) Tj ET Q q 0 0 0 rg BT 370.48 716.90 Td (connection ) Tj ET Q q 0 0 0 rg BT 416.60 716.90 Td (with ) Tj ET Q q 0 0 0 rg BT 436.63 716.90 Td (the ) Tj ET Q q 0 0 0 rg BT 451.10 716.90 Td (Financing ) Tj ET Q q 0 0 0 rg BT 493.18 716.90 Td (T) Tj ET Q q 0 0 0 rg BT 498.94 716.90 Td (ransactions, ) Tj ET Q q 0 0 0 rg BT 548.67 716.90 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 704.90 Td (operating ) Tj ET Q q 0 0 0 rg BT 89.75 704.90 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 138.95 704.90 Td (sold ) Tj ET Q q 0 0 0 rg BT 157.60 704.90 Td (the ) Tj ET Q q 0 0 0 rg BT 171.81 704.90 Td (Receivables ) Tj ET Q q 0 0 0 rg BT 222.10 704.90 Td (to ) Tj ET Q q 0 0 0 rg BT 231.87 704.90 Td (certain ) Tj ET Q q 0 0 0 rg BT 261.05 704.90 Td (of ) Tj ET Q q 0 0 0 rg BT 271.37 704.90 Td (our ) Tj ET Q q 0 0 0 rg BT 286.68 704.90 Td (wholly-owned ) Tj ET Q q 0 0 0 rg BT 346.44 704.90 Td (special ) Tj ET Q q 0 0 0 rg BT 376.18 704.90 Td (purpose ) Tj ET Q q 0 0 0 rg BT 409.69 704.90 Td (VIEs ) Tj ET Q q 0 0 0 rg BT 432.22 704.90 Td (and ) Tj ET Q q 0 0 0 rg BT 448.65 704.90 Td (made ) Tj ET Q q 0 0 0 rg BT 472.29 704.90 Td (certain ) Tj ET Q q 0 0 0 rg BT 501.47 704.90 Td (representations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 692.90 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 692.90 Td (warranties ) Tj ET Q q 0 0 0 rg BT 111.08 692.90 Td (about ) Tj ET Q q 0 0 0 rg BT 135.80 692.90 Td (the ) Tj ET Q q 0 0 0 rg BT 150.52 692.90 Td (quality ) Tj ET Q q 0 0 0 rg BT 180.79 692.90 Td (and ) Tj ET Q q 0 0 0 rg BT 197.73 692.90 Td (nature ) Tj ET Q q 0 0 0 rg BT 225.21 692.90 Td (of ) Tj ET Q q 0 0 0 rg BT 236.04 692.90 Td (the ) Tj ET Q q 0 0 0 rg BT 250.76 692.90 Td (Receivables. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 674.90 Td (If ) Tj ET Q q 0 0 0 rg BT 59.20 674.90 Td (there ) Tj ET Q q 0 0 0 rg BT 81.73 674.90 Td (is ) Tj ET Q q 0 0 0 rg BT 90.94 674.90 Td (a ) Tj ET Q q 0 0 0 rg BT 97.92 674.90 Td (breach ) Tj ET Q q 0 0 0 rg BT 127.10 674.90 Td (of ) Tj ET Q q 0 0 0 rg BT 137.97 674.90 Td (those ) Tj ET Q q 0 0 0 rg BT 161.62 674.90 Td (representations ) Tj ET Q q 0 0 0 rg BT 224.69 674.90 Td (and ) Tj ET Q q 0 0 0 rg BT 241.67 674.90 Td (warranties, ) Tj ET Q q 0 0 0 rg BT 288.36 674.90 Td (one ) Tj ET Q q 0 0 0 rg BT 305.34 674.90 Td (of ) Tj ET Q q 0 0 0 rg BT 316.21 674.90 Td (our ) Tj ET Q q 0 0 0 rg BT 332.08 674.90 Td (operating ) Tj ET Q q 0 0 0 rg BT 372.38 674.90 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 422.14 674.90 Td (may ) Tj ET Q q 0 0 0 rg BT 441.90 674.90 Td (be ) Tj ET Q q 0 0 0 rg BT 453.88 674.90 Td (obligated ) Tj ET Q q 0 0 0 rg BT 493.63 674.90 Td (to ) Tj ET Q q 0 0 0 rg BT 503.95 674.90 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 549.79 674.90 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 662.90 Td (af) Tj ET Q q 0 0 0 rg BT 57.59 662.90 Td (fected ) Tj ET Q q 0 0 0 rg BT 84.72 662.90 Td (Receivables. ) Tj ET Q q 0 0 0 rg BT 138.23 662.90 Td ( ) Tj ET Q q 0 0 0 rg BT 140.94 662.90 Td (If ) Tj ET Q q 0 0 0 rg BT 150.30 662.90 Td (our ) Tj ET Q q 0 0 0 rg BT 166.34 662.90 Td (operating ) Tj ET Q q 0 0 0 rg BT 206.81 662.90 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 250.62 662.90 Td (is ) Tj ET Q q 0 0 0 rg BT 260.00 662.90 Td (required ) Tj ET Q q 0 0 0 rg BT 296.02 662.90 Td (to ) Tj ET Q q 0 0 0 rg BT 306.50 662.90 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 352.51 662.90 Td (Receivables ) Tj ET Q q 0 0 0 rg BT 403.53 662.90 Td (that ) Tj ET Q q 0 0 0 rg BT 421.23 662.90 Td (were ) Tj ET Q q 0 0 0 rg BT 443.36 662.90 Td (previously ) Tj ET Q q 0 0 0 rg BT 488.28 662.90 Td (sold ) Tj ET Q q 0 0 0 rg BT 507.66 662.90 Td (in ) Tj ET Q q 0 0 0 rg BT 518.14 662.90 Td (connection ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 650.90 Td (with ) Tj ET Q q 0 0 0 rg BT 70.28 650.90 Td (the ) Tj ET Q q 0 0 0 rg BT 85.00 650.90 Td (Financing ) Tj ET Q q 0 0 0 rg BT 127.31 650.90 Td (T) Tj ET Q q 0 0 0 rg BT 133.07 650.90 Td (ransactions, ) Tj ET Q q 0 0 0 rg BT 183.05 650.90 Td (this ) Tj ET Q q 0 0 0 rg BT 200.00 650.90 Td (could ) Tj ET Q q 0 0 0 rg BT 224.72 650.90 Td (negatively ) Tj ET Q q 0 0 0 rg BT 268.87 650.90 Td (impact ) Tj ET Q q 0 0 0 rg BT 298.58 650.90 Td (our ) Tj ET Q q 0 0 0 rg BT 314.41 650.90 Td (results ) Tj ET Q q 0 0 0 rg BT 343.02 650.90 Td (of ) Tj ET Q q 0 0 0 rg BT 353.85 650.90 Td (operations, ) Tj ET Q q 0 0 0 rg BT 400.50 650.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 437.98 650.90 Td (condition, ) Tj ET Q q 0 0 0 rg BT 480.76 650.90 Td (and ) Tj ET Q q 0 0 0 rg BT 497.70 650.90 Td (liquidity) Tj ET Q q 0 0 0 rg BT 530.94 650.90 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 632.90 Td (A) Tj ET Q q 0 0 0 rg BT 56.12 632.90 Td ( ) Tj ET Q q 0 0 0 rg BT 58.49 632.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 96.39 632.90 Td (in ) Tj ET Q q 0 0 0 rg BT 107.10 632.90 Td (our ) Tj ET Q q 0 0 0 rg BT 123.93 632.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 149.62 632.90 Td (sales, ) Tj ET Q q 0 0 0 rg BT 174.49 632.90 Td (a ) Tj ET Q q 0 0 0 rg BT 181.86 632.90 Td (decline ) Tj ET Q q 0 0 0 rg BT 213.66 632.90 Td (in ) Tj ET Q q 0 0 0 rg BT 224.37 632.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 250.07 632.90 Td (quality ) Tj ET Q q 0 0 0 rg BT 280.77 632.90 Td (of ) Tj ET Q q 0 0 0 rg BT 291.47 632.90 Td (our ) Tj ET Q q 0 0 0 rg BT 308.30 632.90 Td (customers ) Tj ET Q q 0 0 0 rg BT 352.33 632.90 Td (or ) Tj ET Q q 0 0 0 rg BT 363.60 632.90 Td (other ) Tj ET Q q 0 0 0 rg BT 387.64 632.90 Td (factors ) Tj ET Q q 0 0 0 rg BT 418.34 632.90 Td (outside ) Tj ET Q q 0 0 0 rg BT 450.15 632.90 Td (of ) Tj ET Q q 0 0 0 rg BT 460.85 632.90 Td (our ) Tj ET Q q 0 0 0 rg BT 477.68 632.90 Td (control ) Tj ET Q q 0 0 0 rg BT 509.49 632.90 Td (could ) Tj ET Q q 0 0 0 rg BT 534.64 632.90 Td (lead ) Tj ET Q q 0 0 0 rg BT 554.23 632.90 Td (to ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 620.90 Td (a ) Tj ET Q q 0 0 0 rg BT 56.57 620.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 93.67 620.90 Td (in ) Tj ET Q q 0 0 0 rg BT 103.58 620.90 Td (our ) Tj ET Q q 0 0 0 rg BT 119.60 620.90 Td (product ) Tj ET Q q 0 0 0 rg BT 152.84 620.90 Td (sales ) Tj ET Q q 0 0 0 rg BT 174.40 620.90 Td (and ) Tj ET Q q 0 0 0 rg BT 191.53 620.90 Td (profitability) Tj ET Q q 0 0 0 rg BT 239.49 620.90 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.56 620.90 Td (A) Tj ET Q q 0 0 0 rg BT 250.23 620.90 Td ( ) Tj ET Q q 0 0 0 rg BT 251.80 620.90 Td (lar) Tj ET Q q 0 0 0 rg BT 262.16 620.90 Td (ge ) Tj ET Q q 0 0 0 rg BT 273.17 620.90 Td (portion ) Tj ET Q q 0 0 0 rg BT 303.62 620.90 Td (of ) Tj ET Q q 0 0 0 rg BT 313.52 620.90 Td (our ) Tj ET Q q 0 0 0 rg BT 328.42 620.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 352.75 620.90 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 389.31 620.90 Td (is ) Tj ET Q q 0 0 0 rg BT 397.55 620.90 Td (comprised ) Tj ET Q q 0 0 0 rg BT 440.77 620.90 Td (of ) Tj ET Q q 0 0 0 rg BT 450.67 620.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 475.00 620.90 Td (provided ) Tj ET Q q 0 0 0 rg BT 512.11 620.90 Td (to ) Tj ET Q q 0 0 0 rg BT 521.46 620.90 Td (customers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 608.90 Td (considered ) Tj ET Q q 0 0 0 rg BT 96.06 608.90 Td (to ) Tj ET Q q 0 0 0 rg BT 106.59 608.90 Td (be ) Tj ET Q q 0 0 0 rg BT 118.78 608.90 Td (sub-prime ) Tj ET Q q 0 0 0 rg BT 162.07 608.90 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 205.36 608.90 Td (who ) Tj ET Q q 0 0 0 rg BT 225.33 608.90 Td (have ) Tj ET Q q 0 0 0 rg BT 246.96 608.90 Td (limited ) Tj ET Q q 0 0 0 rg BT 278.03 608.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 303.55 608.90 Td (history) Tj ET Q q 0 0 0 rg BT 330.67 608.90 Td (, ) Tj ET Q q 0 0 0 rg BT 335.92 608.90 Td (low ) Tj ET Q q 0 0 0 rg BT 353.67 608.90 Td (income ) Tj ET Q q 0 0 0 rg BT 385.85 608.90 Td (or ) Tj ET Q q 0 0 0 rg BT 396.93 608.90 Td (past ) Tj ET Q q 0 0 0 rg BT 415.79 608.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 441.30 608.90 Td (problems. ) Tj ET Q q 0 0 0 rg BT 483.76 608.90 Td (Entering ) Tj ET Q q 0 0 0 rg BT 520.95 608.90 Td (into ) Tj ET Q q 0 0 0 rg BT 539.25 608.90 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 596.90 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 107.44 596.90 Td (with ) Tj ET Q q 0 0 0 rg BT 128.79 596.90 Td (such ) Tj ET Q q 0 0 0 rg BT 150.69 596.90 Td (customers ) Tj ET Q q 0 0 0 rg BT 194.81 596.90 Td (entails ) Tj ET Q q 0 0 0 rg BT 224.49 596.90 Td (a ) Tj ET Q q 0 0 0 rg BT 232.50 596.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 261.63 596.90 Td (risk ) Tj ET Q q 0 0 0 rg BT 280.20 596.90 Td (of ) Tj ET Q q 0 0 0 rg BT 292.10 596.90 Td (customer ) Tj ET Q q 0 0 0 rg BT 332.33 596.90 Td (default, ) Tj ET Q q 0 0 0 rg BT 366.17 596.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 395.29 596.90 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 447.74 596.90 Td (rates ) Tj ET Q q 0 0 0 rg BT 470.19 596.90 Td (and ) Tj ET Q q 0 0 0 rg BT 488.20 596.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 517.32 596.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 544.79 596.90 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 584.90 Td (extending ) Tj ET Q q 0 0 0 rg BT 92.11 584.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 117.54 584.90 Td (to ) Tj ET Q q 0 0 0 rg BT 127.99 584.90 Td (more ) Tj ET Q q 0 0 0 rg BT 151.21 584.90 Td (creditworthy ) Tj ET Q q 0 0 0 rg BT 204.98 584.90 Td (customers. ) Tj ET Q q 0 0 0 rg BT 250.50 584.90 Td (While ) Tj ET Q q 0 0 0 rg BT 277.61 584.90 Td (we ) Tj ET Q q 0 0 0 rg BT 291.94 584.90 Td (believe ) Tj ET Q q 0 0 0 rg BT 323.49 584.90 Td (that ) Tj ET Q q 0 0 0 rg BT 341.15 584.90 Td (our ) Tj ET Q q 0 0 0 rg BT 357.16 584.90 Td (pricing ) Tj ET Q q 0 0 0 rg BT 388.15 584.90 Td (and ) Tj ET Q q 0 0 0 rg BT 405.27 584.90 Td (the ) Tj ET Q q 0 0 0 rg BT 420.15 584.90 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 474.48 584.90 Td (criteria ) Tj ET Q q 0 0 0 rg BT 505.46 584.90 Td (and ) Tj ET Q q 0 0 0 rg BT 522.58 584.90 Td (collection ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 572.90 Td (methods ) Tj ET Q q 0 0 0 rg BT 86.98 572.90 Td (we ) Tj ET Q q 0 0 0 rg BT 101.73 572.90 Td (employ ) Tj ET Q q 0 0 0 rg BT 134.82 572.90 Td (enable ) Tj ET Q q 0 0 0 rg BT 164.00 572.90 Td (us ) Tj ET Q q 0 0 0 rg BT 175.99 572.90 Td (to ) Tj ET Q q 0 0 0 rg BT 186.86 572.90 Td (ef) Tj ET Q q 0 0 0 rg BT 194.45 572.90 Td (fectively ) Tj ET Q q 0 0 0 rg BT 232.52 572.90 Td (and ) Tj ET Q q 0 0 0 rg BT 250.05 572.90 Td (appropriately ) Tj ET Q q 0 0 0 rg BT 306.45 572.90 Td (manage ) Tj ET Q q 0 0 0 rg BT 340.64 572.90 Td (the ) Tj ET Q q 0 0 0 rg BT 355.95 572.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 384.59 572.90 Td (risks ) Tj ET Q q 0 0 0 rg BT 406.57 572.90 Td (inherent ) Tj ET Q q 0 0 0 rg BT 442.43 572.90 Td (in ) Tj ET Q q 0 0 0 rg BT 453.30 572.90 Td (issuing ) Tj ET Q q 0 0 0 rg BT 484.73 572.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 510.59 572.90 Td (to ) Tj ET Q q 0 0 0 rg BT 521.46 572.90 Td (sub-prime ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 560.90 Td (customers, ) Tj ET Q q 0 0 0 rg BT 95.82 560.90 Td (no ) Tj ET Q q 0 0 0 rg BT 108.59 560.90 Td (assurance ) Tj ET Q q 0 0 0 rg BT 150.22 560.90 Td (can ) Tj ET Q q 0 0 0 rg BT 166.87 560.90 Td (be ) Tj ET Q q 0 0 0 rg BT 179.08 560.90 Td (given ) Tj ET Q q 0 0 0 rg BT 204.07 560.90 Td (that ) Tj ET Q q 0 0 0 rg BT 221.83 560.90 Td (such ) Tj ET Q q 0 0 0 rg BT 242.93 560.90 Td (pricing, ) Tj ET Q q 0 0 0 rg BT 276.53 560.90 Td (criteria ) Tj ET Q q 0 0 0 rg BT 307.61 560.90 Td (and ) Tj ET Q q 0 0 0 rg BT 324.82 560.90 Td (methods ) Tj ET Q q 0 0 0 rg BT 361.47 560.90 Td (will ) Tj ET Q q 0 0 0 rg BT 379.80 560.90 Td (af) Tj ET Q q 0 0 0 rg BT 387.39 560.90 Td (ford ) Tj ET Q q 0 0 0 rg BT 406.82 560.90 Td (adequate ) Tj ET Q q 0 0 0 rg BT 445.12 560.90 Td (protection ) Tj ET Q q 0 0 0 rg BT 488.43 560.90 Td (against ) Tj ET Q q 0 0 0 rg BT 519.53 560.90 Td (such ) Tj ET Q q 0 0 0 rg BT 540.63 560.90 Td (risks. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 548.90 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 548.90 Td (e ) Tj ET Q q 0 0 0 rg BT 65.68 548.90 Td (have ) Tj ET Q q 0 0 0 rg BT 87.15 548.90 Td (experienced ) Tj ET Q q 0 0 0 rg BT 138.05 548.90 Td (volatility ) Tj ET Q q 0 0 0 rg BT 176.76 548.90 Td (in ) Tj ET Q q 0 0 0 rg BT 187.14 548.90 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 238.61 548.90 Td (and ) Tj ET Q q 0 0 0 rg BT 255.65 548.90 Td (char) Tj ET Q q 0 0 0 rg BT 272.68 548.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 293.60 548.90 Td (f ) Tj ET Q q 0 0 0 rg BT 299.53 548.90 Td (rates ) Tj ET Q q 0 0 0 rg BT 321.00 548.90 Td (on ) Tj ET Q q 0 0 0 rg BT 333.60 548.90 Td (our ) Tj ET Q q 0 0 0 rg BT 349.53 548.90 Td (customer ) Tj ET Q q 0 0 0 rg BT 388.79 548.90 Td (receivables, ) Tj ET Q q 0 0 0 rg BT 438.86 548.90 Td (each ) Tj ET Q q 0 0 0 rg BT 459.78 548.90 Td (of ) Tj ET Q q 0 0 0 rg BT 470.71 548.90 Td (which ) Tj ET Q q 0 0 0 rg BT 497.74 548.90 Td (has ) Tj ET Q q 0 0 0 rg BT 513.67 548.90 Td (the ) Tj ET Q q 0 0 0 rg BT 528.49 548.90 Td (ef) Tj ET Q q 0 0 0 rg BT 536.08 548.90 Td (fect ) Tj ET Q q 0 0 0 rg BT 553.66 548.90 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 536.90 Td (decreasing ) Tj ET Q q 0 0 0 rg BT 95.63 536.90 Td (our ) Tj ET Q q 0 0 0 rg BT 111.83 536.90 Td (profitability) Tj ET Q q 0 0 0 rg BT 158.95 536.90 Td (. ) Tj ET Q q 0 0 0 rg BT 164.32 536.90 Td (Some ) Tj ET Q q 0 0 0 rg BT 189.97 536.90 Td (of ) Tj ET Q q 0 0 0 rg BT 201.17 536.90 Td (our ) Tj ET Q q 0 0 0 rg BT 217.37 536.90 Td (customer ) Tj ET Q q 0 0 0 rg BT 256.89 536.90 Td (receivables ) Tj ET Q q 0 0 0 rg BT 304.74 536.90 Td (become ) Tj ET Q q 0 0 0 rg BT 338.70 536.90 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 383.78 536.90 Td (from ) Tj ET Q q 0 0 0 rg BT 406.09 536.90 Td (time ) Tj ET Q q 0 0 0 rg BT 426.74 536.90 Td (to ) Tj ET Q q 0 0 0 rg BT 437.39 536.90 Td (time. ) Tj ET Q q 0 0 0 rg BT 460.53 536.90 Td (Some ) Tj ET Q q 0 0 0 rg BT 486.18 536.90 Td (accounts ) Tj ET Q q 0 0 0 rg BT 524.04 536.90 Td (end ) Tj ET Q q 0 0 0 rg BT 541.35 536.90 Td (up ) Tj ET Q q 0 0 0 rg BT 554.22 536.90 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 524.90 Td (default, ) Tj ET Q q 0 0 0 rg BT 83.23 524.90 Td (due ) Tj ET Q q 0 0 0 rg BT 100.63 524.90 Td (to ) Tj ET Q q 0 0 0 rg BT 111.38 524.90 Td (various ) Tj ET Q q 0 0 0 rg BT 143.78 524.90 Td (factors, ) Tj ET Q q 0 0 0 rg BT 176.45 524.90 Td (such ) Tj ET Q q 0 0 0 rg BT 197.75 524.90 Td (as ) Tj ET Q q 0 0 0 rg BT 209.04 524.90 Td (general ) Tj ET Q q 0 0 0 rg BT 241.43 524.90 Td (and ) Tj ET Q q 0 0 0 rg BT 258.84 524.90 Td (local ) Tj ET Q q 0 0 0 rg BT 281.24 524.90 Td (economic ) Tj ET Q q 0 0 0 rg BT 323.07 524.90 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 370.20 524.90 Td (including ) Tj ET Q q 0 0 0 rg BT 410.94 524.90 Td (the ) Tj ET Q q 0 0 0 rg BT 426.12 524.90 Td (impact ) Tj ET Q q 0 0 0 rg BT 456.30 524.90 Td (of ) Tj ET Q q 0 0 0 rg BT 467.60 524.90 Td (rising ) Tj ET Q q 0 0 0 rg BT 493.34 524.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 525.74 524.90 Td (rates ) Tj ET Q q 0 0 0 rg BT 547.58 524.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 512.90 Td (unemployment ) Tj ET Q q 0 0 0 rg BT 112.89 512.90 Td (rates. ) Tj ET Q q 0 0 0 rg BT 136.52 512.90 Td (As ) Tj ET Q q 0 0 0 rg BT 150.53 512.90 Td (we ) Tj ET Q q 0 0 0 rg BT 165.08 512.90 Td (continue ) Tj ET Q q 0 0 0 rg BT 202.41 512.90 Td (to ) Tj ET Q q 0 0 0 rg BT 213.09 512.90 Td (expand ) Tj ET Q q 0 0 0 rg BT 244.86 512.90 Td (into ) Tj ET Q q 0 0 0 rg BT 263.31 512.90 Td (new ) Tj ET Q q 0 0 0 rg BT 282.87 512.90 Td (markets, ) Tj ET Q q 0 0 0 rg BT 319.92 512.90 Td (we ) Tj ET Q q 0 0 0 rg BT 334.47 512.90 Td (will ) Tj ET Q q 0 0 0 rg BT 352.93 512.90 Td (obtain ) Tj ET Q q 0 0 0 rg BT 380.82 512.90 Td (new ) Tj ET Q q 0 0 0 rg BT 400.37 512.90 Td (customer ) Tj ET Q q 0 0 0 rg BT 439.92 512.90 Td (receivables ) Tj ET Q q 0 0 0 rg BT 487.79 512.90 Td (that ) Tj ET Q q 0 0 0 rg BT 505.68 512.90 Td (may ) Tj ET Q q 0 0 0 rg BT 525.79 512.90 Td (present ) Tj ET Q q 0 0 0 rg BT 557.56 512.90 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 500.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 78.04 500.90 Td (risk ) Tj ET Q q 0 0 0 rg BT 95.54 500.90 Td (than ) Tj ET Q q 0 0 0 rg BT 115.25 500.90 Td (our ) Tj ET Q q 0 0 0 rg BT 131.08 500.90 Td (existing ) Tj ET Q q 0 0 0 rg BT 165.24 500.90 Td (customer ) Tj ET Q q 0 0 0 rg BT 204.39 500.90 Td (receivables ) Tj ET Q q 0 0 0 rg BT 251.86 500.90 Td (since ) Tj ET Q q 0 0 0 rg BT 274.90 500.90 Td (new ) Tj ET Q q 0 0 0 rg BT 294.06 500.90 Td (customer ) Tj ET Q q 0 0 0 rg BT 333.21 500.90 Td (receivables ) Tj ET Q q 0 0 0 rg BT 380.68 500.90 Td (do ) Tj ET Q q 0 0 0 rg BT 393.18 500.90 Td (not ) Tj ET Q q 0 0 0 rg BT 408.45 500.90 Td (have ) Tj ET Q q 0 0 0 rg BT 429.83 500.90 Td (an ) Tj ET Q q 0 0 0 rg BT 441.76 500.90 Td (established ) Tj ET Q q 0 0 0 rg BT 488.69 500.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 513.95 500.90 Td (history ) Tj ET Q q 0 0 0 rg BT 544.23 500.90 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 488.90 Td (us.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 470.90 Td (If ) Tj ET Q q 0 0 0 rg BT 59.29 470.90 Td (we ) Tj ET Q q 0 0 0 rg BT 73.58 470.90 Td (are ) Tj ET Q q 0 0 0 rg BT 88.42 470.90 Td (required ) Tj ET Q q 0 0 0 rg BT 124.37 470.90 Td (to ) Tj ET Q q 0 0 0 rg BT 134.78 470.90 Td (reduce ) Tj ET Q q 0 0 0 rg BT 164.06 470.90 Td (the ) Tj ET Q q 0 0 0 rg BT 178.91 470.90 Td (amount ) Tj ET Q q 0 0 0 rg BT 211.53 470.90 Td (of ) Tj ET Q q 0 0 0 rg BT 222.50 470.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 247.89 470.90 Td (we ) Tj ET Q q 0 0 0 rg BT 262.18 470.90 Td (grant ) Tj ET Q q 0 0 0 rg BT 285.36 470.90 Td (to ) Tj ET Q q 0 0 0 rg BT 295.77 470.90 Td (our ) Tj ET Q q 0 0 0 rg BT 311.73 470.90 Td (customers ) Tj ET Q q 0 0 0 rg BT 354.91 470.90 Td (\(whether ) Tj ET Q q 0 0 0 rg BT 393.08 470.90 Td (due ) Tj ET Q q 0 0 0 rg BT 410.15 470.90 Td (to ) Tj ET Q q 0 0 0 rg BT 420.56 470.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 458.17 470.90 Td (or ) Tj ET Q q 0 0 0 rg BT 469.14 470.90 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 512.86 470.90 Td (constraints\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 458.90 Td (or ) Tj ET Q q 0 0 0 rg BT 60.54 458.90 Td (if ) Tj ET Q q 0 0 0 rg BT 68.85 458.90 Td (our ) Tj ET Q q 0 0 0 rg BT 84.39 458.90 Td (customers ) Tj ET Q q 0 0 0 rg BT 127.14 458.90 Td (curtail ) Tj ET Q q 0 0 0 rg BT 154.89 458.90 Td (entering ) Tj ET Q q 0 0 0 rg BT 189.86 458.90 Td (into ) Tj ET Q q 0 0 0 rg BT 207.62 458.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 232.59 458.90 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 288.66 458.90 Td (with ) Tj ET Q q 0 0 0 rg BT 308.64 458.90 Td (us, ) Tj ET Q q 0 0 0 rg BT 322.24 458.90 Td (whether ) Tj ET Q q 0 0 0 rg BT 356.65 458.90 Td (as ) Tj ET Q q 0 0 0 rg BT 367.19 458.90 Td (a ) Tj ET Q q 0 0 0 rg BT 373.83 458.90 Td (result ) Tj ET Q q 0 0 0 rg BT 398.26 458.90 Td (of ) Tj ET Q q 0 0 0 rg BT 408.79 458.90 Td (prolonged ) Tj ET Q q 0 0 0 rg BT 451.55 458.90 Td (economic ) Tj ET Q q 0 0 0 rg BT 492.62 458.90 Td (uncertainty ) Tj ET Q q 0 0 0 rg BT 539.81 458.90 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 458.90 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 446.90 Td (United ) Tj ET Q q 0 0 0 rg BT 79.77 446.90 Td (States, ) Tj ET Q q 0 0 0 rg BT 108.71 446.90 Td (increases ) Tj ET Q q 0 0 0 rg BT 147.91 446.90 Td (in ) Tj ET Q q 0 0 0 rg BT 158.25 446.90 Td (unemployment ) Tj ET Q q 0 0 0 rg BT 220.79 446.90 Td (or ) Tj ET Q q 0 0 0 rg BT 231.68 446.90 Td (other ) Tj ET Q q 0 0 0 rg BT 254.78 446.90 Td (factors, ) Tj ET Q q 0 0 0 rg BT 287.04 446.90 Td (we ) Tj ET Q q 0 0 0 rg BT 301.26 446.90 Td (likely ) Tj ET Q q 0 0 0 rg BT 326.59 446.90 Td (would ) Tj ET Q q 0 0 0 rg BT 354.14 446.90 Td (sell ) Tj ET Q q 0 0 0 rg BT 370.58 446.90 Td (fewer ) Tj ET Q q 0 0 0 rg BT 395.90 446.90 Td (products, ) Tj ET Q q 0 0 0 rg BT 435.39 446.90 Td (which ) Tj ET Q q 0 0 0 rg BT 462.39 446.90 Td (could ) Tj ET Q q 0 0 0 rg BT 487.16 446.90 Td (result ) Tj ET Q q 0 0 0 rg BT 511.93 446.90 Td (in ) Tj ET Q q 0 0 0 rg BT 522.26 446.90 Td (a ) Tj ET Q q 0 0 0 rg BT 529.26 446.90 Td (material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 434.90 Td (adverse ) Tj ET Q q 0 0 0 rg BT 83.73 434.90 Td (ef) Tj ET Q q 0 0 0 rg BT 91.32 434.90 Td (fect ) Tj ET Q q 0 0 0 rg BT 109.50 434.90 Td (on ) Tj ET Q q 0 0 0 rg BT 122.69 434.90 Td (us. ) Tj ET Q q 0 0 0 rg BT 137.28 434.90 Td (Further) Tj ET Q q 0 0 0 rg BT 166.32 434.90 Td (, ) Tj ET Q q 0 0 0 rg BT 172.01 434.90 Td (because ) Tj ET Q q 0 0 0 rg BT 206.85 434.90 Td (a ) Tj ET Q q 0 0 0 rg BT 214.49 434.90 Td (significant ) Tj ET Q q 0 0 0 rg BT 259.89 434.90 Td (number ) Tj ET Q q 0 0 0 rg BT 293.64 434.90 Td (of ) Tj ET Q q 0 0 0 rg BT 305.16 434.90 Td (payments ) Tj ET Q q 0 0 0 rg BT 346.68 434.90 Td (we ) Tj ET Q q 0 0 0 rg BT 361.54 434.90 Td (receive ) Tj ET Q q 0 0 0 rg BT 393.59 434.90 Td (on ) Tj ET Q q 0 0 0 rg BT 406.79 434.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 432.75 434.90 Td (accounts ) Tj ET Q q 0 0 0 rg BT 470.93 434.90 Td (are ) Tj ET Q q 0 0 0 rg BT 486.33 434.90 Td (made ) Tj ET Q q 0 0 0 rg BT 511.18 434.90 Td (in ) Tj ET Q q 0 0 0 rg BT 522.15 434.90 Td (person ) Tj ET Q q 0 0 0 rg BT 552.01 434.90 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 422.90 Td (customers ) Tj ET Q q 0 0 0 rg BT 92.73 422.90 Td (in ) Tj ET Q q 0 0 0 rg BT 102.68 422.90 Td (one ) Tj ET Q q 0 0 0 rg BT 119.30 422.90 Td (of ) Tj ET Q q 0 0 0 rg BT 129.81 422.90 Td (our ) Tj ET Q q 0 0 0 rg BT 145.32 422.90 Td (store ) Tj ET Q q 0 0 0 rg BT 166.94 422.90 Td (locations, ) Tj ET Q q 0 0 0 rg BT 207.72 422.90 Td (any ) Tj ET Q q 0 0 0 rg BT 224.34 422.90 Td (decrease ) Tj ET Q q 0 0 0 rg BT 260.93 422.90 Td (in ) Tj ET Q q 0 0 0 rg BT 270.89 422.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 295.83 422.90 Td (sales ) Tj ET Q q 0 0 0 rg BT 317.45 422.90 Td (could ) Tj ET Q q 0 0 0 rg BT 341.85 422.90 Td (reduce ) Tj ET Q q 0 0 0 rg BT 370.67 422.90 Td (traf) Tj ET Q q 0 0 0 rg BT 384.37 422.90 Td (fic ) Tj ET Q q 0 0 0 rg BT 397.09 422.90 Td (in ) Tj ET Q q 0 0 0 rg BT 407.05 422.90 Td (our ) Tj ET Q q 0 0 0 rg BT 422.56 422.90 Td (stores ) Tj ET Q q 0 0 0 rg BT 448.07 422.90 Td (and ) Tj ET Q q 0 0 0 rg BT 464.69 422.90 Td (result ) Tj ET Q q 0 0 0 rg BT 489.08 422.90 Td (in ) Tj ET Q q 0 0 0 rg BT 499.04 422.90 Td (lower ) Tj ET Q q 0 0 0 rg BT 523.99 422.90 Td (revenues. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 410.90 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 410.90 Td ( ) Tj ET Q q 0 0 0 rg BT 59.48 410.90 Td (decline ) Tj ET Q q 0 0 0 rg BT 91.17 410.90 Td (in ) Tj ET Q q 0 0 0 rg BT 101.75 410.90 Td (the ) Tj ET Q q 0 0 0 rg BT 116.78 410.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 142.36 410.90 Td (quality ) Tj ET Q q 0 0 0 rg BT 172.94 410.90 Td (of ) Tj ET Q q 0 0 0 rg BT 184.08 410.90 Td (our ) Tj ET Q q 0 0 0 rg BT 200.23 410.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 225.80 410.90 Td (accounts ) Tj ET Q q 0 0 0 rg BT 263.60 410.90 Td (could ) Tj ET Q q 0 0 0 rg BT 288.63 410.90 Td (also ) Tj ET Q q 0 0 0 rg BT 307.55 410.90 Td (cause ) Tj ET Q q 0 0 0 rg BT 332.57 410.90 Td (an ) Tj ET Q q 0 0 0 rg BT 344.82 410.90 Td (increase ) Tj ET Q q 0 0 0 rg BT 380.38 410.90 Td (in ) Tj ET Q q 0 0 0 rg BT 390.97 410.90 Td (our ) Tj ET Q q 0 0 0 rg BT 407.11 410.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 432.69 410.90 Td (losses, ) Tj ET Q q 0 0 0 rg BT 461.89 410.90 Td (which ) Tj ET Q q 0 0 0 rg BT 489.14 410.90 Td (would ) Tj ET Q q 0 0 0 rg BT 516.95 410.90 Td (result ) Tj ET Q q 0 0 0 rg BT 541.98 410.90 Td (in ) Tj ET Q q 0 0 0 rg BT 552.57 410.90 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 398.90 Td (adverse ) Tj ET Q q 0 0 0 rg BT 83.82 398.90 Td (ef) Tj ET Q q 0 0 0 rg BT 91.41 398.90 Td (fect ) Tj ET Q q 0 0 0 rg BT 109.67 398.90 Td (on ) Tj ET Q q 0 0 0 rg BT 122.95 398.90 Td (our ) Tj ET Q q 0 0 0 rg BT 139.56 398.90 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 178.49 398.90 Td (A) Tj ET Q q 0 0 0 rg BT 185.16 398.90 Td ( ) Tj ET Q q 0 0 0 rg BT 188.44 398.90 Td (decline ) Tj ET Q q 0 0 0 rg BT 220.60 398.90 Td (in ) Tj ET Q q 0 0 0 rg BT 231.66 398.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 257.70 398.90 Td (quality ) Tj ET Q q 0 0 0 rg BT 288.75 398.90 Td (could ) Tj ET Q q 0 0 0 rg BT 314.25 398.90 Td (also ) Tj ET Q q 0 0 0 rg BT 333.64 398.90 Td (lead ) Tj ET Q q 0 0 0 rg BT 353.57 398.90 Td (to ) Tj ET Q q 0 0 0 rg BT 364.63 398.90 Td (stricter ) Tj ET Q q 0 0 0 rg BT 395.68 398.90 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 450.61 398.90 Td (criteria ) Tj ET Q q 0 0 0 rg BT 482.20 398.90 Td (which ) Tj ET Q q 0 0 0 rg BT 509.92 398.90 Td (could ) Tj ET Q q 0 0 0 rg BT 535.42 398.90 Td (have ) Tj ET Q q 0 0 0 rg BT 557.58 398.90 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 386.90 Td (negative ) Tj ET Q q 0 0 0 rg BT 86.37 386.90 Td (impact ) Tj ET Q q 0 0 0 rg BT 116.08 386.90 Td (on ) Tj ET Q q 0 0 0 rg BT 128.58 386.90 Td (net ) Tj ET Q q 0 0 0 rg BT 143.30 386.90 Td (sales.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 368.90 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 368.90 Td (e ) Tj ET Q q 0 0 0 rg BT 65.41 368.90 Td (maintain ) Tj ET Q q 0 0 0 rg BT 102.73 368.90 Td (an ) Tj ET Q q 0 0 0 rg BT 114.50 368.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 157.36 368.90 Td (for ) Tj ET Q q 0 0 0 rg BT 171.35 368.90 Td (doubtful ) Tj ET Q q 0 0 0 rg BT 207.57 368.90 Td (accounts ) Tj ET Q q 0 0 0 rg BT 244.88 368.90 Td (on ) Tj ET Q q 0 0 0 rg BT 257.21 368.90 Td (our ) Tj ET Q q 0 0 0 rg BT 272.87 368.90 Td (customer ) Tj ET Q q 0 0 0 rg BT 311.86 368.90 Td (accounts ) Tj ET Q q 0 0 0 rg BT 349.18 368.90 Td (receivable ) Tj ET Q q 0 0 0 rg BT 392.59 368.90 Td (for ) Tj ET Q q 0 0 0 rg BT 406.58 368.90 Td (a ) Tj ET Q q 0 0 0 rg BT 413.35 368.90 Td (12 ) Tj ET Q q 0 0 0 rg BT 425.68 368.90 Td (month ) Tj ET Q q 0 0 0 rg BT 453.56 368.90 Td (period. ) Tj ET Q q 0 0 0 rg BT 483.94 368.90 Td (If ) Tj ET Q q 0 0 0 rg BT 492.93 368.90 Td (the ) Tj ET Q q 0 0 0 rg BT 507.48 368.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 550.34 368.90 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 356.90 Td (doubtful ) Tj ET Q q 0 0 0 rg BT 85.88 356.90 Td (accounts ) Tj ET Q q 0 0 0 rg BT 122.87 356.90 Td (is ) Tj ET Q q 0 0 0 rg BT 131.53 356.90 Td (inadequate, ) Tj ET Q q 0 0 0 rg BT 179.34 356.90 Td (we ) Tj ET Q q 0 0 0 rg BT 193.00 356.90 Td (would ) Tj ET Q q 0 0 0 rg BT 220.00 356.90 Td (recognize ) Tj ET Q q 0 0 0 rg BT 260.85 356.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 286.74 356.90 Td (in ) Tj ET Q q 0 0 0 rg BT 296.52 356.90 Td (excess ) Tj ET Q q 0 0 0 rg BT 324.61 356.90 Td (of ) Tj ET Q q 0 0 0 rg BT 334.94 356.90 Td (the ) Tj ET Q q 0 0 0 rg BT 349.16 356.90 Td (allowance, ) Tj ET Q q 0 0 0 rg BT 394.18 356.90 Td (which ) Tj ET Q q 0 0 0 rg BT 420.62 356.90 Td (could ) Tj ET Q q 0 0 0 rg BT 444.83 356.90 Td (have ) Tj ET Q q 0 0 0 rg BT 465.71 356.90 Td (a ) Tj ET Q q 0 0 0 rg BT 472.14 356.90 Td (material ) Tj ET Q q 0 0 0 rg BT 506.90 356.90 Td (adverse ) Tj ET Q q 0 0 0 rg BT 539.43 356.90 Td (ef) Tj ET Q q 0 0 0 rg BT 547.02 356.90 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 344.90 Td (on ) Tj ET Q q 0 0 0 rg BT 62.50 344.90 Td (us.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 326.90 Td (Covenants ) Tj ET Q q 0 0 0 rg BT 95.70 326.90 Td (in ) Tj ET Q q 0 0 0 rg BT 106.40 326.90 Td (our ) Tj ET Q q 0 0 0 rg BT 123.22 326.90 Td (debt ) Tj ET Q q 0 0 0 rg BT 142.80 326.90 Td (agreements ) Tj ET Q q 0 0 0 rg BT 192.38 326.90 Td (impose ) Tj ET Q q 0 0 0 rg BT 223.63 326.90 Td (various ) Tj ET Q q 0 0 0 rg BT 256.55 326.90 Td (operating ) Tj ET Q q 0 0 0 rg BT 298.36 326.90 Td (and ) Tj ET Q q 0 0 0 rg BT 316.29 326.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 355.87 326.90 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 404.35 326.90 Td (on ) Tj ET Q q 0 0 0 rg BT 417.28 326.90 Td (us, ) Tj ET Q q 0 0 0 rg BT 431.59 326.90 Td (and ) Tj ET Q q 0 0 0 rg BT 449.52 326.90 Td (if ) Tj ET Q q 0 0 0 rg BT 457.99 326.90 Td (we ) Tj ET Q q 0 0 0 rg BT 471.46 326.90 Td (are ) Tj ET Q q 0 0 0 rg BT 487.15 326.90 Td (not ) Tj ET Q q 0 0 0 rg BT 502.85 326.90 Td (able ) Tj ET Q q 0 0 0 rg BT 522.43 326.90 Td (to ) Tj ET Q q 0 0 0 rg BT 532.57 326.90 Td (comply ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 314.90 Td (with ) Tj ET Q q 0 0 0 rg BT 70.76 314.90 Td (such ) Tj ET Q q 0 0 0 rg BT 93.19 314.90 Td (covenants, ) Tj ET Q q 0 0 0 rg BT 139.77 314.90 Td (our ) Tj ET Q q 0 0 0 rg BT 157.20 314.90 Td (lenders ) Tj ET Q q 0 0 0 rg BT 190.17 314.90 Td (could ) Tj ET Q q 0 0 0 rg BT 215.92 314.90 Td (accelerate ) Tj ET Q q 0 0 0 rg BT 260.54 314.90 Td (our ) Tj ET Q q 0 0 0 rg BT 277.96 314.90 Td (indebtedness, ) Tj ET Q q 0 0 0 rg BT 336.22 314.90 Td (proceed ) Tj ET Q q 0 0 0 rg BT 371.40 314.90 Td (against ) Tj ET Q q 0 0 0 rg BT 404.38 314.90 Td (certain ) Tj ET Q q 0 0 0 rg BT 436.24 314.90 Td (collateral ) Tj ET Q q 0 0 0 rg BT 478.10 314.90 Td (we ) Tj ET Q q 0 0 0 rg BT 492.18 314.90 Td (have ) Tj ET Q q 0 0 0 rg BT 514.59 314.90 Td (provided ) Tj ET Q q 0 0 0 rg BT 553.11 314.90 Td (or ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 302.90 Td (exercise ) Tj ET Q q 0 0 0 rg BT 86.21 302.90 Td (other ) Tj ET Q q 0 0 0 rg BT 110.76 302.90 Td (remedies, ) Tj ET Q q 0 0 0 rg BT 152.81 302.90 Td (which ) Tj ET Q q 0 0 0 rg BT 180.71 302.90 Td (could ) Tj ET Q q 0 0 0 rg BT 206.38 302.90 Td (have ) Tj ET Q q 0 0 0 rg BT 228.71 302.90 Td (a ) Tj ET Q q 0 0 0 rg BT 236.59 302.90 Td (material ) Tj ET Q q 0 0 0 rg BT 273.93 302.90 Td (adverse ) Tj ET Q q 0 0 0 rg BT 307.92 302.90 Td (ef) Tj ET Q q 0 0 0 rg BT 315.50 302.90 Td (fect ) Tj ET Q q 0 0 0 rg BT 333.38 302.90 Td (on ) Tj ET Q q 0 0 0 rg BT 346.83 302.90 Td (us. ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 361.67 302.90 Td (The ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 380.11 302.90 Td (covenants ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 422.98 302.90 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 433.65 302.90 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 449.87 302.90 Td (revolving ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 491.09 302.90 Td (credit ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 516.74 302.90 Td (facility) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 544.41 302.90 Td (, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 549.80 302.90 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 290.90 Td (indenture ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 91.24 290.90 Td (governing ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 135.26 290.90 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 152.07 290.90 Td (senior ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 179.98 290.90 Td (notes, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 207.07 290.90 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 224.98 290.90 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 241.79 290.90 Td (asset-backed ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 296.34 290.90 Td (notes ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 320.93 290.90 Td (contain ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 353.84 290.90 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 361.75 290.90 Td (number ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 395.77 290.90 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 407.58 290.90 Td (restrictions ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 455.49 290.90 Td (that ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 473.96 290.90 Td (impose ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 506.32 290.90 Td (operating ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 547.56 290.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 278.90 Td (financial ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 87.18 278.90 Td (restrictions ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 133.80 278.90 Td (on ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 146.00 278.90 Td (us ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 157.08 278.90 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 173.72 278.90 Td (may ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 193.13 278.90 Td (limit ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 214.22 278.90 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 229.74 278.90 Td (ability ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 257.49 278.90 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 267.46 278.90 Td (execute ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 300.19 278.90 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 315.71 278.90 Td (growth ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 346.24 278.90 Td (strategy ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 380.09 278.90 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 390.61 278.90 Td (engage ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 421.12 278.90 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 431.10 278.90 Td (acts ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 448.84 278.90 Td (that ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 466.03 278.90 Td (may ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 485.44 278.90 Td (be ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 497.07 278.90 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 507.05 278.90 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 522.57 278.90 Td (long-term ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 266.90 Td (best ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 69.25 266.90 Td (interest, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 104.33 266.90 Td (including ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 145.25 266.90 Td (restrictions ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 192.83 266.90 Td (on ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 205.98 266.90 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 222.46 266.90 Td (ability ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 251.15 266.90 Td (to ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 262.08 266.90 Td (incur ) Tj ET Q q 0 0 0 rg BT 285.77 266.90 Td (additional ) Tj ET Q q 0 0 0 rg BT 328.91 266.90 Td (indebtedness, ) Tj ET Q q 0 0 0 rg BT 386.21 266.90 Td (grant ) Tj ET Q q 0 0 0 rg BT 409.90 266.90 Td (liens ) Tj ET Q q 0 0 0 rg BT 431.93 266.90 Td (on ) Tj ET Q q 0 0 0 rg BT 445.08 266.90 Td (assets, ) Tj ET Q q 0 0 0 rg BT 474.06 266.90 Td (make ) Tj ET Q q 0 0 0 rg BT 498.86 266.90 Td (distributions ) Tj ET Q q 0 0 0 rg BT 552.01 266.90 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 254.90 Td (equity ) Tj ET Q q 0 0 0 rg BT 77.12 254.90 Td (interests, ) Tj ET Q q 0 0 0 rg BT 115.07 254.90 Td (dispose ) Tj ET Q q 0 0 0 rg BT 147.20 254.90 Td (of ) Tj ET Q q 0 0 0 rg BT 157.65 254.90 Td (assets, ) Tj ET Q q 0 0 0 rg BT 185.61 254.90 Td (make ) Tj ET Q q 0 0 0 rg BT 209.39 254.90 Td (loans, ) Tj ET Q q 0 0 0 rg BT 235.12 254.90 Td (pay ) Tj ET Q q 0 0 0 rg BT 251.69 254.90 Td (other ) Tj ET Q q 0 0 0 rg BT 274.36 254.90 Td (indebtedness, ) Tj ET Q q 0 0 0 rg BT 330.64 254.90 Td (engage ) Tj ET Q q 0 0 0 rg BT 361.08 254.90 Td (in ) Tj ET Q q 0 0 0 rg BT 370.98 254.90 Td (mer) Tj ET Q q 0 0 0 rg BT 386.35 254.90 Td (gers, ) Tj ET Q q 0 0 0 rg BT 407.64 254.90 Td (and ) Tj ET Q q 0 0 0 rg BT 424.20 254.90 Td (other ) Tj ET Q q 0 0 0 rg BT 446.87 254.90 Td (matters. ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 480.93 254.90 Td (In ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 491.39 254.90 Td (addition, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 528.79 254.90 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 542.57 254.90 Td (must ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 242.90 Td (maintain ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 88.12 242.90 Td (compliance ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 137.34 242.90 Td (with ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 158.25 242.90 Td (certain ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 188.58 242.90 Td (financial ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 226.69 242.90 Td (covenants. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 272.30 242.90 Td (Our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 290.99 242.90 Td (ability ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 319.67 242.90 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 330.58 242.90 Td (meet ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 353.14 242.90 Td (those ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 377.38 242.90 Td (financial ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 415.49 242.90 Td (covenants ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 458.60 242.90 Td (can ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 475.61 242.90 Td (be ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 488.18 242.90 Td (af) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 495.77 242.90 Td (fected ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 523.32 242.90 Td (by ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 536.45 242.90 Td (events ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 230.90 Td (beyond ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 81.94 230.90 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 97.77 230.90 Td (control, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 131.09 230.90 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 148.03 230.90 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 162.19 230.90 Td (may ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 181.91 230.90 Td (be ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 193.85 230.90 Td (unable ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 223.00 230.90 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 233.28 230.90 Td (meet ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 255.21 230.90 Td (them.) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 212.90 Td (A) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 56.67 212.90 Td ( ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 59.00 212.90 Td (breach ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 87.98 212.90 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 98.65 212.90 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 113.20 212.90 Td (covenants ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 155.52 212.90 Td (could ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 180.07 212.90 Td (result ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 204.62 212.90 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 214.73 212.90 Td (an ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 226.50 212.90 Td (event ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 250.49 212.90 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 261.16 212.90 Td (default ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 291.25 212.90 Td (under ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 316.36 212.90 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 332.02 212.90 Td (credit ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 357.12 212.90 Td (facility ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 387.77 212.90 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 398.44 212.90 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 412.99 212.90 Td (indenture ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 453.09 212.90 Td (governing ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 495.97 212.90 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 511.63 212.90 Td (senior ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 538.40 212.90 Td (notes. ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 200.90 Td (Such ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 72.05 200.90 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 78.53 200.90 Td (default ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 108.34 200.90 Td (may ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 127.60 200.90 Td (allow ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 151.87 200.90 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 166.13 200.90 Td (applicable ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 209.26 200.90 Td (creditors ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 246.29 200.90 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 256.12 200.90 Td (accelerate ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 298.12 200.90 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 312.38 200.90 Td (related ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 341.63 200.90 Td (debt ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 360.89 200.90 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 377.38 200.90 Td (may ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 396.64 200.90 Td (result ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 420.90 200.90 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 430.73 200.90 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 444.99 200.90 Td (acceleration ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 495.33 200.90 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 505.71 200.90 Td (any ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 522.19 200.90 Td (other ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 544.79 200.90 Td (debt ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 188.90 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 59.55 188.90 Td (which ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 85.77 188.90 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 91.98 188.90 Td (cross-default ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 145.40 188.90 Td (provision ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 184.95 188.90 Td (applies. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 217.55 188.90 Td (Furthermore, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 271.81 188.90 Td (if ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 279.70 188.90 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 293.13 188.90 Td (are ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 307.11 188.90 Td (unable ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 335.54 188.90 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 345.10 188.90 Td (repay ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 369.08 188.90 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 383.07 188.90 Td (amounts ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 418.73 188.90 Td (due ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 434.95 188.90 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 451.16 188.90 Td (payable ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 484.03 188.90 Td (under ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 508.57 188.90 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 523.68 188.90 Td (revolving ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 176.90 Td (credit ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 74.80 176.90 Td (facility) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 102.48 176.90 Td (, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 107.02 176.90 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 121.27 176.90 Td (lenders ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 152.19 176.90 Td (thereunder ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 196.99 176.90 Td (could ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 221.25 176.90 Td (proceed ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 254.93 176.90 Td (against ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 285.30 176.90 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 299.56 176.90 Td (collateral ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 338.79 176.90 Td (granted ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 370.82 176.90 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 380.64 176.90 Td (them ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 402.68 176.90 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 412.50 176.90 Td (secure ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 440.07 176.90 Td (that ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 457.11 176.90 Td (indebtedness, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 513.31 176.90 Td (which ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 539.79 176.90 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 164.90 Td (have ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 70.46 164.90 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 76.48 164.90 Td (material ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 110.82 164.90 Td (adverse ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 142.95 164.90 Td (ef) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 150.53 164.90 Td (fect ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 167.10 164.90 Td (on ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 178.69 164.90 Td (us. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 191.66 164.90 Td (In ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 201.57 164.90 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 215.37 164.90 Td (event ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 238.61 164.90 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 253.53 164.90 Td (lenders ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 283.99 164.90 Td (accelerate ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 325.53 164.90 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 339.33 164.90 Td (repayment ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 383.11 164.90 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 393.03 164.90 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 407.94 164.90 Td (borrowings, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 457.58 164.90 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 470.82 164.90 Td (may ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 489.62 164.90 Td (not ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 503.98 164.90 Td (have ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 524.44 164.90 Td (suf) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 536.48 164.90 Td (ficient ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 152.90 Td (funds ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 74.72 152.90 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 85.00 152.90 Td (repay ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 109.71 152.90 Td (that ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 127.20 152.90 Td (indebtedness.) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 50.00 134.90 Td (Increased ) Tj ET Q q 0 0 0 rg BT 92.62 134.90 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 137.49 134.90 Td (costs ) Tj ET Q q 0 0 0 rg BT 159.56 134.90 Td (will ) Tj ET Q q 0 0 0 rg BT 176.64 134.90 Td (negatively ) Tj ET Q q 0 0 0 rg BT 220.36 134.90 Td (impact ) Tj ET Q q 0 0 0 rg BT 250.21 134.90 Td (our ) Tj ET Q q 0 0 0 rg BT 266.74 134.90 Td (results ) Tj ET Q q 0 0 0 rg BT 296.04 134.90 Td (of ) Tj ET Q q 0 0 0 rg BT 306.44 134.90 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.28 134.90 Td (Because ) Tj ET Q q 0 0 0 rg BT 390.17 134.90 Td (most ) Tj ET Q q 0 0 0 rg BT 411.69 134.90 Td (of ) Tj ET Q q 0 0 0 rg BT 422.09 134.90 Td (our ) Tj ET Q q 0 0 0 rg BT 437.50 134.90 Td (consumer ) Tj ET Q q 0 0 0 rg BT 478.45 134.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 503.28 134.90 Td (programs ) Tj ET Q q 0 0 0 rg BT 543.13 134.90 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 122.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.14 122.90 Td (rates ) Tj ET Q q 0 0 0 rg BT 101.73 122.90 Td (equal ) Tj ET Q q 0 0 0 rg BT 125.09 122.90 Td (to ) Tj ET Q q 0 0 0 rg BT 134.58 122.90 Td (the ) Tj ET Q q 0 0 0 rg BT 148.51 122.90 Td (highest ) Tj ET Q q 0 0 0 rg BT 179.10 122.90 Td (rate ) Tj ET Q q 0 0 0 rg BT 195.80 122.90 Td (allowable ) Tj ET Q q 0 0 0 rg BT 236.38 122.90 Td (under ) Tj ET Q q 0 0 0 rg BT 260.85 122.90 Td (applicable ) Tj ET Q q 0 0 0 rg BT 303.65 122.90 Td (state ) Tj ET Q q 0 0 0 rg BT 323.69 122.90 Td (law) Tj ET Q q 0 0 0 rg BT 337.48 122.90 Td (, ) Tj ET Q q 0 0 0 rg BT 341.68 122.90 Td (we ) Tj ET Q q 0 0 0 rg BT 355.05 122.90 Td (would ) Tj ET Q q 0 0 0 rg BT 381.76 122.90 Td (generally ) Tj ET Q q 0 0 0 rg BT 420.67 122.90 Td (not ) Tj ET Q q 0 0 0 rg BT 435.16 122.90 Td (be ) Tj ET Q q 0 0 0 rg BT 446.31 122.90 Td (able ) Tj ET Q q 0 0 0 rg BT 464.67 122.90 Td (to ) Tj ET Q q 0 0 0 rg BT 474.16 122.90 Td (pass ) Tj ET Q q 0 0 0 rg BT 493.09 122.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 520.35 122.90 Td (borrowing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 110.90 Td (costs ) Tj ET Q q 0 0 0 rg BT 72.42 110.90 Td (along ) Tj ET Q q 0 0 0 rg BT 97.05 110.90 Td (to ) Tj ET Q q 0 0 0 rg BT 107.25 110.90 Td (future ) Tj ET Q q 0 0 0 rg BT 133.55 110.90 Td (consumer ) Tj ET Q q 0 0 0 rg BT 174.84 110.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 200.02 110.90 Td (customers ) Tj ET Q q 0 0 0 rg BT 242.99 110.90 Td (and ) Tj ET Q q 0 0 0 rg BT 259.85 110.90 Td (our ) Tj ET Q q 0 0 0 rg BT 275.59 110.90 Td (results ) Tj ET Q q 0 0 0 rg BT 304.12 110.90 Td (of ) Tj ET Q q 0 0 0 rg BT 314.87 110.90 Td (operations ) Tj ET Q q 0 0 0 rg BT 358.94 110.90 Td (could ) Tj ET Q q 0 0 0 rg BT 383.58 110.90 Td (be ) Tj ET Q q 0 0 0 rg BT 395.44 110.90 Td (negatively ) Tj ET Q q 0 0 0 rg BT 439.50 110.90 Td (impacted. ) Tj ET Q q 0 0 0 rg BT 480.90 110.90 Td (The ) Tj ET Q q 0 0 0 rg BT 498.86 110.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 530.72 110.90 Td (rates ) Tj ET Q q 0 0 0 rg BT 552.01 110.90 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 98.90 Td (our ) Tj ET Q q 0 0 0 rg BT 65.91 98.90 Td (revolving ) Tj ET Q q 0 0 0 rg BT 106.82 98.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 132.16 98.90 Td (facility ) Tj ET Q q 0 0 0 rg BT 163.06 98.90 Td (are ) Tj ET Q q 0 0 0 rg BT 177.85 98.90 Td (variable ) Tj ET Q q 0 0 0 rg BT 212.63 98.90 Td (based ) Tj ET Q q 0 0 0 rg BT 237.98 98.90 Td (upon ) Tj ET Q q 0 0 0 rg BT 260.56 98.90 Td (an ) Tj ET Q q 0 0 0 rg BT 272.58 98.90 Td (applicable ) Tj ET Q q 0 0 0 rg BT 316.25 98.90 Td (mar) Tj ET Q q 0 0 0 rg BT 331.62 98.90 Td (gin ) Tj ET Q q 0 0 0 rg BT 346.98 98.90 Td (determined ) Tj ET Q q 0 0 0 rg BT 394.54 98.90 Td (by ) Tj ET Q q 0 0 0 rg BT 407.12 98.90 Td (a ) Tj ET Q q 0 0 0 rg BT 414.14 98.90 Td (pricing ) Tj ET Q q 0 0 0 rg BT 445.04 98.90 Td (grid ) Tj ET Q q 0 0 0 rg BT 463.73 98.90 Td (plus ) Tj ET Q q 0 0 0 rg BT 482.98 98.90 Td (a ) Tj ET Q q 0 0 0 rg BT 490.00 98.90 Td (London ) Tj ET Q q 0 0 0 rg BT 523.69 98.90 Td (Interbank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 86.90 Td (Of) Tj ET Q q 0 0 0 rg BT 60.37 86.90 Td (fered ) Tj ET Q q 0 0 0 rg BT 83.55 86.90 Td (Rate ) Tj ET Q q 0 0 0 rg BT 104.53 86.90 Td (\("LIBOR"\) ) Tj ET Q q 0 0 0 rg BT 152.00 86.90 Td (or ) Tj ET Q q 0 0 0 rg BT 162.97 86.90 Td (alternate ) Tj ET Q q 0 0 0 rg BT 200.04 86.90 Td (base ) Tj ET Q q 0 0 0 rg BT 220.45 86.90 Td (rate, ) Tj ET Q q 0 0 0 rg BT 240.59 86.90 Td (and ) Tj ET Q q 0 0 0 rg BT 257.67 86.90 Td (increases ) Tj ET Q q 0 0 0 rg BT 296.96 86.90 Td (in ) Tj ET Q q 0 0 0 rg BT 307.39 86.90 Td (such ) Tj ET Q q 0 0 0 rg BT 328.36 86.90 Td (rates ) Tj ET Q q 0 0 0 rg BT 349.89 86.90 Td (would ) Tj ET Q q 0 0 0 rg BT 377.53 86.90 Td (reduce ) Tj ET Q q 0 0 0 rg BT 406.83 86.90 Td (our ) Tj ET Q q 0 0 0 rg BT 422.80 86.90 Td (mar) Tj ET Q q 0 0 0 rg BT 438.17 86.90 Td (gins. ) Tj ET Q q 0 0 0 rg BT 459.79 86.90 Td (The ) Tj ET Q q 0 0 0 rg BT 477.99 86.90 Td (level ) Tj ET Q q 0 0 0 rg BT 500.07 86.90 Td (of ) Tj ET Q q 0 0 0 rg BT 511.04 86.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 543.12 86.90 Td (rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 74.90 Td (in ) Tj ET Q q 0 0 0 rg BT 60.53 74.90 Td (the ) Tj ET Q q 0 0 0 rg BT 75.51 74.90 Td (market ) Tj ET Q q 0 0 0 rg BT 106.02 74.90 Td (in ) Tj ET Q q 0 0 0 rg BT 116.56 74.90 Td (general ) Tj ET Q q 0 0 0 rg BT 148.74 74.90 Td (will ) Tj ET Q q 0 0 0 rg BT 167.05 74.90 Td (impact ) Tj ET Q q 0 0 0 rg BT 197.02 74.90 Td (the ) Tj ET Q q 0 0 0 rg BT 211.99 74.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 244.18 74.90 Td (rate ) Tj ET Q q 0 0 0 rg BT 261.92 74.90 Td (on ) Tj ET Q q 0 0 0 rg BT 274.67 74.90 Td (any ) Tj ET Q q 0 0 0 rg BT 291.87 74.90 Td (debt ) Tj ET Q q 0 0 0 rg BT 311.84 74.90 Td (instruments ) Tj ET Q q 0 0 0 rg BT 361.26 74.90 Td (we ) Tj ET Q q 0 0 0 rg BT 375.68 74.90 Td (issue ) Tj ET Q q 0 0 0 rg BT 398.43 74.90 Td (in ) Tj ET Q q 0 0 0 rg BT 408.97 74.90 Td (the ) Tj ET Q q 0 0 0 rg BT 423.94 74.90 Td (future. ) Tj ET Q q 0 0 0 rg BT 452.46 74.90 Td (Additionally) Tj ET Q q 0 0 0 rg BT 502.36 74.90 Td (, ) Tj ET Q q 0 0 0 rg BT 507.62 74.90 Td (we ) Tj ET Q q 0 0 0 rg BT 522.03 74.90 Td (may ) Tj ET Q q 0 0 0 rg BT 542.01 74.90 Td (issue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 62.90 Td (debt ) Tj ET Q q 0 0 0 rg BT 70.27 62.90 Td (securities ) Tj ET Q q 0 0 0 rg BT 111.09 62.90 Td (or ) Tj ET Q q 0 0 0 rg BT 122.47 62.90 Td (enter ) Tj ET Q q 0 0 0 rg BT 145.51 62.90 Td (into ) Tj ET Q q 0 0 0 rg BT 164.12 62.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 189.94 62.90 Td (facilities ) Tj ET Q q 0 0 0 rg BT 227.42 62.90 Td (under ) Tj ET Q q 0 0 0 rg BT 253.25 62.90 Td (which ) Tj ET Q q 0 0 0 rg BT 280.74 62.90 Td (we ) Tj ET Q q 0 0 0 rg BT 295.45 62.90 Td (pay ) Tj ET Q q 0 0 0 rg BT 312.95 62.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 345.43 62.90 Td (at ) Tj ET Q q 0 0 0 rg BT 355.71 62.90 Td (a ) Tj ET Q q 0 0 0 rg BT 363.20 62.90 Td (higher ) Tj ET Q q 0 0 0 rg BT 391.80 62.90 Td (rate ) Tj ET Q q 0 0 0 rg BT 409.84 62.90 Td (than ) Tj ET Q q 0 0 0 rg BT 430.11 62.90 Td (we ) Tj ET Q q 0 0 0 rg BT 444.82 62.90 Td (have ) Tj ET Q q 0 0 0 rg BT 466.76 62.90 Td (historically ) Tj ET Q q 0 0 0 rg BT 514.80 62.90 Td (paid, ) Tj ET Q q 0 0 0 rg BT 537.57 62.90 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 50.90 Td (would ) Tj ET Q q 0 0 0 rg BT 77.50 50.90 Td (further ) Tj ET Q q 0 0 0 rg BT 107.21 50.90 Td (reduce ) Tj ET Q q 0 0 0 rg BT 136.35 50.90 Td (our ) Tj ET Q q 0 0 0 rg BT 152.18 50.90 Td (earnings ) Tj ET Q q 0 0 0 rg BT 188.56 50.90 Td (and ) Tj ET Q q 0 0 0 rg BT 205.50 50.90 Td (negatively ) Tj ET Q q 0 0 0 rg BT 249.65 50.90 Td (impact ) Tj ET Q q 0 0 0 rg BT 279.36 50.90 Td (our ) Tj ET Q q 0 0 0 rg BT 295.19 50.90 Td (results ) Tj ET Q q 0 0 0 rg BT 323.80 50.90 Td (of ) Tj ET Q q 0 0 0 rg BT 334.63 50.90 Td (operations.) Tj ET Q endstream endobj 37 0 obj <>] /Rotate 0 /Contents 38 0 R>> endobj 38 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (17) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Deterioration ) Tj ET Q q 0 0 0 rg BT 107.82 742.25 Td (in ) Tj ET Q q 0 0 0 rg BT 118.42 742.25 Td (the ) Tj ET Q q 0 0 0 rg BT 133.45 742.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 188.48 742.25 Td (of ) Tj ET Q q 0 0 0 rg BT 199.07 742.25 Td (our ) Tj ET Q q 0 0 0 rg BT 215.79 742.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 255.82 742.25 Td (receivables ) Tj ET Q q 0 0 0 rg BT 303.62 742.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 341.43 742.25 Td (could ) Tj ET Q q 0 0 0 rg BT 366.47 742.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 410.39 742.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 450.96 742.25 Td (af) Tj ET Q q 0 0 0 rg BT 459.11 742.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 476.36 742.25 Td (our ) Tj ET Q q 0 0 0 rg BT 493.07 742.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 529.22 742.25 Td (position ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.82 730.25 Td (profitability) Tj ET Q q 0 0 0 rg BT 115.78 730.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.28 730.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 138.59 730.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 174.74 730.25 Td (position ) Tj ET Q q 0 0 0 rg BT 209.22 730.25 Td (and ) Tj ET Q q 0 0 0 rg BT 225.92 730.25 Td (profitability ) Tj ET Q q 0 0 0 rg BT 275.94 730.25 Td (are ) Tj ET Q q 0 0 0 rg BT 290.41 730.25 Td (heavily ) Tj ET Q q 0 0 0 rg BT 322.10 730.25 Td (dependent ) Tj ET Q q 0 0 0 rg BT 365.45 730.25 Td (on ) Tj ET Q q 0 0 0 rg BT 377.71 730.25 Td (our ) Tj ET Q q 0 0 0 rg BT 393.29 730.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 421.10 730.25 Td (to ) Tj ET Q q 0 0 0 rg BT 431.14 730.25 Td (collect ) Tj ET Q q 0 0 0 rg BT 460.04 730.25 Td (our ) Tj ET Q q 0 0 0 rg BT 475.63 730.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 514.54 730.25 Td (receivables. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (If ) Tj ET Q q 0 0 0 rg BT 59.43 718.25 Td (our ) Tj ET Q q 0 0 0 rg BT 75.53 718.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 114.96 718.25 Td (receivables ) Tj ET Q q 0 0 0 rg BT 162.70 718.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 200.47 718.25 Td (were ) Tj ET Q q 0 0 0 rg BT 222.67 718.25 Td (to ) Tj ET Q q 0 0 0 rg BT 233.22 718.25 Td (substantially ) Tj ET Q q 0 0 0 rg BT 286.54 718.25 Td (deteriorate, ) Tj ET Q q 0 0 0 rg BT 334.56 718.25 Td (that ) Tj ET Q q 0 0 0 rg BT 352.32 718.25 Td (could ) Tj ET Q q 0 0 0 rg BT 377.31 718.25 Td (have ) Tj ET Q q 0 0 0 rg BT 398.96 718.25 Td (a ) Tj ET Q q 0 0 0 rg BT 406.17 718.25 Td (material ) Tj ET Q q 0 0 0 rg BT 441.70 718.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 475.01 718.25 Td (ef) Tj ET Q q 0 0 0 rg BT 482.60 718.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 500.35 718.25 Td (on ) Tj ET Q q 0 0 0 rg BT 513.12 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 528.11 718.25 Td (liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (available ) Tj ET Q q 0 0 0 rg BT 88.68 706.25 Td (to ) Tj ET Q q 0 0 0 rg BT 99.05 706.25 Td (us ) Tj ET Q q 0 0 0 rg BT 110.53 706.25 Td (and ) Tj ET Q q 0 0 0 rg BT 127.55 706.25 Td (our ) Tj ET Q q 0 0 0 rg BT 143.47 706.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 171.62 706.25 Td (to ) Tj ET Q q 0 0 0 rg BT 181.98 706.25 Td (comply ) Tj ET Q q 0 0 0 rg BT 214.57 706.25 Td (with ) Tj ET Q q 0 0 0 rg BT 234.94 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 249.74 706.25 Td (covenants ) Tj ET Q q 0 0 0 rg BT 292.32 706.25 Td (and ) Tj ET Q q 0 0 0 rg BT 309.34 706.25 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 353.59 706.25 Td (base ) Tj ET Q q 0 0 0 rg BT 373.95 706.25 Td (calculations ) Tj ET Q q 0 0 0 rg BT 424.30 706.25 Td (under ) Tj ET Q q 0 0 0 rg BT 449.66 706.25 Td (our ) Tj ET Q q 0 0 0 rg BT 465.58 706.25 Td (revolving ) Tj ET Q q 0 0 0 rg BT 506.49 706.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 531.84 706.25 Td (facility) Tj ET Q q 0 0 0 rg BT 559.52 706.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.29 694.25 Td (our ) Tj ET Q q 0 0 0 rg BT 83.47 694.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 120.20 694.25 Td (may ) Tj ET Q q 0 0 0 rg BT 140.27 694.25 Td (decline ) Tj ET Q q 0 0 0 rg BT 172.00 694.25 Td (due ) Tj ET Q q 0 0 0 rg BT 189.29 694.25 Td (to ) Tj ET Q q 0 0 0 rg BT 199.92 694.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 228.32 694.25 Td (provisions ) Tj ET Q q 0 0 0 rg BT 272.85 694.25 Td (for ) Tj ET Q q 0 0 0 rg BT 287.36 694.25 Td (bad ) Tj ET Q q 0 0 0 rg BT 304.65 694.25 Td (debt ) Tj ET Q q 0 0 0 rg BT 324.72 694.25 Td (expense, ) Tj ET Q q 0 0 0 rg BT 362.28 694.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 390.68 694.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 430.19 694.25 Td (costs, ) Tj ET Q q 0 0 0 rg BT 455.54 694.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 483.94 694.25 Td (net ) Tj ET Q q 0 0 0 rg BT 499.01 694.25 Td (char) Tj ET Q q 0 0 0 rg BT 516.04 694.25 Td (ge-of) Tj ET Q q 0 0 0 rg BT 536.96 694.25 Td (f ) Tj ET Q q 0 0 0 rg BT 543.14 694.25 Td (rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 682.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 92.21 682.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 124.14 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 141.08 682.25 Td (fee ) Tj ET Q q 0 0 0 rg BT 155.79 682.25 Td (income.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 664.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 69.21 664.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 97.30 664.25 Td (to ) Tj ET Q q 0 0 0 rg BT 107.61 664.25 Td (collect ) Tj ET Q q 0 0 0 rg BT 136.80 664.25 Td (from ) Tj ET Q q 0 0 0 rg BT 159.33 664.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 185.19 664.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 229.40 664.25 Td (may ) Tj ET Q q 0 0 0 rg BT 249.15 664.25 Td (be ) Tj ET Q q 0 0 0 rg BT 261.13 664.25 Td (impaired ) Tj ET Q q 0 0 0 rg BT 300.33 664.25 Td (by ) Tj ET Q q 0 0 0 rg BT 312.30 664.25 Td (store ) Tj ET Q q 0 0 0 rg BT 334.84 664.25 Td (closings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.68 664.25 Td ( ) Tj ET Q q 0 0 0 rg BT 375.71 664.25 Td (In ) Tj ET Q q 0 0 0 rg BT 386.58 664.25 Td (the ) Tj ET Q q 0 0 0 rg BT 401.33 664.25 Td (event ) Tj ET Q q 0 0 0 rg BT 425.52 664.25 Td (of ) Tj ET Q q 0 0 0 rg BT 436.39 664.25 Td (store ) Tj ET Q q 0 0 0 rg BT 458.36 664.25 Td (closings, ) Tj ET Q q 0 0 0 rg BT 496.18 664.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 521.47 664.25 Td (customers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.25 Td (may ) Tj ET Q q 0 0 0 rg BT 70.00 652.25 Td (not ) Tj ET Q q 0 0 0 rg BT 85.56 652.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 102.78 652.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 139.99 652.25 Td (in ) Tj ET Q q 0 0 0 rg BT 150.55 652.25 Td (a ) Tj ET Q q 0 0 0 rg BT 157.77 652.25 Td (timely ) Tj ET Q q 0 0 0 rg BT 186.10 652.25 Td (fashion, ) Tj ET Q q 0 0 0 rg BT 220.82 652.25 Td (or ) Tj ET Q q 0 0 0 rg BT 231.93 652.25 Td (may ) Tj ET Q q 0 0 0 rg BT 251.93 652.25 Td (not ) Tj ET Q q 0 0 0 rg BT 267.49 652.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 284.71 652.25 Td (at ) Tj ET Q q 0 0 0 rg BT 294.71 652.25 Td (all, ) Tj ET Q q 0 0 0 rg BT 309.99 652.25 Td (since ) Tj ET Q q 0 0 0 rg BT 333.32 652.25 Td (a ) Tj ET Q q 0 0 0 rg BT 340.54 652.25 Td (lar) Tj ET Q q 0 0 0 rg BT 350.91 652.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 363.13 652.25 Td (number ) Tj ET Q q 0 0 0 rg BT 396.46 652.25 Td (of ) Tj ET Q q 0 0 0 rg BT 407.57 652.25 Td (our ) Tj ET Q q 0 0 0 rg BT 423.68 652.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 467.01 652.25 Td (remit ) Tj ET Q q 0 0 0 rg BT 490.90 652.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 532.00 652.25 Td (in ) Tj ET Q q 0 0 0 rg BT 542.56 652.25 Td (store ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 640.25 Td (have ) Tj ET Q q 0 0 0 rg BT 88.32 640.25 Td (not ) Tj ET Q q 0 0 0 rg BT 103.59 640.25 Td (traditionally ) Tj ET Q q 0 0 0 rg BT 154.97 640.25 Td (made ) Tj ET Q q 0 0 0 rg BT 179.13 640.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 219.95 640.25 Td (to ) Tj ET Q q 0 0 0 rg BT 230.23 640.25 Td (a ) Tj ET Q q 0 0 0 rg BT 237.17 640.25 Td (central ) Tj ET Q q 0 0 0 rg BT 266.87 640.25 Td (location.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (In ) Tj ET Q q 0 0 0 rg BT 62.18 622.25 Td (deciding ) Tj ET Q q 0 0 0 rg BT 99.89 622.25 Td (whether ) Tj ET Q q 0 0 0 rg BT 135.95 622.25 Td (to ) Tj ET Q q 0 0 0 rg BT 146.46 622.25 Td (extend ) Tj ET Q q 0 0 0 rg BT 176.39 622.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 202.44 622.25 Td (to ) Tj ET Q q 0 0 0 rg BT 212.94 622.25 Td (customers, ) Tj ET Q q 0 0 0 rg BT 259.83 622.25 Td (we ) Tj ET Q q 0 0 0 rg BT 273.66 622.25 Td (rely ) Tj ET Q q 0 0 0 rg BT 291.93 622.25 Td (on ) Tj ET Q q 0 0 0 rg BT 305.22 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 320.72 622.25 Td (accuracy ) Tj ET Q q 0 0 0 rg BT 360.65 622.25 Td (and ) Tj ET Q q 0 0 0 rg BT 378.93 622.25 Td (completeness ) Tj ET Q q 0 0 0 rg BT 436.09 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 447.14 622.25 Td (information ) Tj ET Q q 0 0 0 rg BT 499.32 622.25 Td (furnished ) Tj ET Q q 0 0 0 rg BT 542.06 622.25 Td (to ) Tj ET Q q 0 0 0 rg BT 552.56 622.25 Td (us ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (by ) Tj ET Q q 0 0 0 rg BT 61.93 610.25 Td (or ) Tj ET Q q 0 0 0 rg BT 73.31 610.25 Td (on ) Tj ET Q q 0 0 0 rg BT 86.36 610.25 Td (behalf ) Tj ET Q q 0 0 0 rg BT 114.96 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 125.78 610.25 Td (our ) Tj ET Q q 0 0 0 rg BT 142.72 610.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 168.53 610.25 Td (customers, ) Tj ET Q q 0 0 0 rg BT 215.19 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 233.24 610.25 Td (we ) Tj ET Q q 0 0 0 rg BT 246.84 610.25 Td (assume ) Tj ET Q q 0 0 0 rg BT 279.89 610.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 311.27 610.25 Td (behavior ) Tj ET Q q 0 0 0 rg BT 349.87 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 367.92 610.25 Td (attributes ) Tj ET Q q 0 0 0 rg BT 409.30 610.25 Td (on ) Tj ET Q q 0 0 0 rg BT 422.35 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 437.62 610.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 460.67 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 471.49 610.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 494.54 610.25 Td (customers. ) Tj ET Q q 0 0 0 rg BT 541.20 610.25 Td (If ) Tj ET Q q 0 0 0 rg BT 550.91 610.25 Td (we ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 68.57 598.25 Td (our ) Tj ET Q q 0 0 0 rg BT 86.03 598.25 Td (systems ) Tj ET Q q 0 0 0 rg BT 120.15 598.25 Td (are ) Tj ET Q q 0 0 0 rg BT 136.49 598.25 Td (unable ) Tj ET Q q 0 0 0 rg BT 167.84 598.25 Td (to ) Tj ET Q q 0 0 0 rg BT 178.63 598.25 Td (detect ) Tj ET Q q 0 0 0 rg BT 205.51 598.25 Td (any ) Tj ET Q q 0 0 0 rg BT 223.52 598.25 Td (misrepresentations ) Tj ET Q q 0 0 0 rg BT 304.31 598.25 Td (in ) Tj ET Q q 0 0 0 rg BT 315.66 598.25 Td (this ) Tj ET Q q 0 0 0 rg BT 333.68 598.25 Td (information, ) Tj ET Q q 0 0 0 rg BT 388.65 598.25 Td (or ) Tj ET Q q 0 0 0 rg BT 400.55 598.25 Td (if ) Tj ET Q q 0 0 0 rg BT 409.67 598.25 Td (our ) Tj ET Q q 0 0 0 rg BT 427.13 598.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 481.27 598.25 Td (prove ) Tj ET Q q 0 0 0 rg BT 507.05 598.25 Td (inaccurate, ) Tj ET Q q 0 0 0 rg BT 556.45 598.25 Td (it ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (may ) Tj ET Q q 0 0 0 rg BT 70.39 586.25 Td (have ) Tj ET Q q 0 0 0 rg BT 93.01 586.25 Td (a ) Tj ET Q q 0 0 0 rg BT 101.19 586.25 Td (material ) Tj ET Q q 0 0 0 rg BT 138.81 586.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 173.09 586.25 Td (ef) Tj ET Q q 0 0 0 rg BT 180.67 586.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 198.84 586.25 Td (on ) Tj ET Q q 0 0 0 rg BT 212.58 586.25 Td (us.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.53 586.25 Td (In ) Tj ET Q q 0 0 0 rg BT 238.54 586.25 Td (deciding ) Tj ET Q q 0 0 0 rg BT 276.15 586.25 Td (whether ) Tj ET Q q 0 0 0 rg BT 311.53 586.25 Td (to ) Tj ET Q q 0 0 0 rg BT 322.49 586.25 Td (extend ) Tj ET Q q 0 0 0 rg BT 352.32 586.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 378.26 586.25 Td (to ) Tj ET Q q 0 0 0 rg BT 389.22 586.25 Td (customers, ) Tj ET Q q 0 0 0 rg BT 435.44 586.25 Td (we ) Tj ET Q q 0 0 0 rg BT 450.28 586.25 Td (rely ) Tj ET Q q 0 0 0 rg BT 469.01 586.25 Td (heavily ) Tj ET Q q 0 0 0 rg BT 501.62 586.25 Td (on ) Tj ET Q q 0 0 0 rg BT 514.80 586.25 Td (information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (furnished ) Tj ET Q q 0 0 0 rg BT 90.39 574.25 Td (to ) Tj ET Q q 0 0 0 rg BT 100.79 574.25 Td (us ) Tj ET Q q 0 0 0 rg BT 112.30 574.25 Td (by ) Tj ET Q q 0 0 0 rg BT 124.92 574.25 Td (or ) Tj ET Q q 0 0 0 rg BT 135.87 574.25 Td (on ) Tj ET Q q 0 0 0 rg BT 148.50 574.25 Td (behalf ) Tj ET Q q 0 0 0 rg BT 176.10 574.25 Td (of ) Tj ET Q q 0 0 0 rg BT 187.05 574.25 Td (our ) Tj ET Q q 0 0 0 rg BT 203.00 574.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 228.39 574.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 271.56 574.25 Td (and ) Tj ET Q q 0 0 0 rg BT 288.62 574.25 Td (our ) Tj ET Q q 0 0 0 rg BT 304.57 574.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 332.74 574.25 Td (to ) Tj ET Q q 0 0 0 rg BT 343.14 574.25 Td (validate ) Tj ET Q q 0 0 0 rg BT 377.41 574.25 Td (such ) Tj ET Q q 0 0 0 rg BT 398.36 574.25 Td (information ) Tj ET Q q 0 0 0 rg BT 448.20 574.25 Td (through ) Tj ET Q q 0 0 0 rg BT 481.92 574.25 Td (third-party ) Tj ET Q q 0 0 0 rg BT 527.31 574.25 Td (services, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (including ) Tj ET Q q 0 0 0 rg BT 91.42 562.25 Td (employment ) Tj ET Q q 0 0 0 rg BT 145.05 562.25 Td (and ) Tj ET Q q 0 0 0 rg BT 163.13 562.25 Td (personal ) Tj ET Q q 0 0 0 rg BT 200.66 562.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 239.28 562.25 Td (information, ) Tj ET Q q 0 0 0 rg BT 292.64 562.25 Td (and ) Tj ET Q q 0 0 0 rg BT 310.72 562.25 Td (we ) Tj ET Q q 0 0 0 rg BT 326.02 562.25 Td (assume ) Tj ET Q q 0 0 0 rg BT 359.10 562.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 389.95 562.25 Td (behavior ) Tj ET Q q 0 0 0 rg BT 428.58 562.25 Td (and ) Tj ET Q q 0 0 0 rg BT 446.66 562.25 Td (attributes ) Tj ET Q q 0 0 0 rg BT 487.52 562.25 Td (observed ) Tj ET Q q 0 0 0 rg BT 527.26 562.25 Td (for ) Tj ET Q q 0 0 0 rg BT 542.57 562.25 Td (prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (customers. ) Tj ET Q q 0 0 0 rg BT 95.42 550.25 Td ( ) Tj ET Q q 0 0 0 rg BT 97.80 550.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 115.73 550.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 143.66 550.25 Td (to ) Tj ET Q q 0 0 0 rg BT 153.81 550.25 Td (ef) Tj ET Q q 0 0 0 rg BT 161.40 550.25 Td (fectively ) Tj ET Q q 0 0 0 rg BT 198.76 550.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 232.23 550.25 Td (our ) Tj ET Q q 0 0 0 rg BT 247.94 550.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 273.08 550.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 290.45 550.25 Td (could ) Tj ET Q q 0 0 0 rg BT 315.05 550.25 Td (be ) Tj ET Q q 0 0 0 rg BT 326.86 550.25 Td (impaired, ) Tj ET Q q 0 0 0 rg BT 367.28 550.25 Td (and ) Tj ET Q q 0 0 0 rg BT 384.10 550.25 Td (could ) Tj ET Q q 0 0 0 rg BT 408.69 550.25 Td (have ) Tj ET Q q 0 0 0 rg BT 429.95 550.25 Td (a ) Tj ET Q q 0 0 0 rg BT 436.76 550.25 Td (material ) Tj ET Q q 0 0 0 rg BT 471.90 550.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 504.81 550.25 Td (ef) Tj ET Q q 0 0 0 rg BT 512.40 550.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 529.76 550.25 Td (on ) Tj ET Q q 0 0 0 rg BT 542.14 550.25 Td (us, ) Tj ET Q q 0 0 0 rg BT 555.91 550.25 Td (if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (a ) Tj ET Q q 0 0 0 rg BT 56.54 538.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 100.86 538.25 Td (percentage ) Tj ET Q q 0 0 0 rg BT 146.26 538.25 Td (of ) Tj ET Q q 0 0 0 rg BT 156.70 538.25 Td (our ) Tj ET Q q 0 0 0 rg BT 172.13 538.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 197.00 538.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 239.65 538.25 Td (intentionally ) Tj ET Q q 0 0 0 rg BT 292.30 538.25 Td (or ) Tj ET Q q 0 0 0 rg BT 302.73 538.25 Td (negligently ) Tj ET Q q 0 0 0 rg BT 349.82 538.25 Td (misrepresent ) Tj ET Q q 0 0 0 rg BT 403.02 538.25 Td (any ) Tj ET Q q 0 0 0 rg BT 419.56 538.25 Td (of ) Tj ET Q q 0 0 0 rg BT 430.00 538.25 Td (this ) Tj ET Q q 0 0 0 rg BT 446.55 538.25 Td (information, ) Tj ET Q q 0 0 0 rg BT 498.36 538.25 Td (and ) Tj ET Q q 0 0 0 rg BT 514.91 538.25 Td (our ) Tj ET Q q 0 0 0 rg BT 530.34 538.25 Td (systems ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (do ) Tj ET Q q 0 0 0 rg BT 63.09 526.25 Td (not ) Tj ET Q q 0 0 0 rg BT 78.95 526.25 Td (detect ) Tj ET Q q 0 0 0 rg BT 105.91 526.25 Td (such ) Tj ET Q q 0 0 0 rg BT 127.33 526.25 Td (misrepresentations, ) Tj ET Q q 0 0 0 rg BT 207.90 526.25 Td (or ) Tj ET Q q 0 0 0 rg BT 219.32 526.25 Td (if ) Tj ET Q q 0 0 0 rg BT 228.51 526.25 Td (unexpected ) Tj ET Q q 0 0 0 rg BT 277.13 526.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 312.43 526.25 Td (in ) Tj ET Q q 0 0 0 rg BT 323.29 526.25 Td (behavior ) Tj ET Q q 0 0 0 rg BT 361.36 526.25 Td (caused ) Tj ET Q q 0 0 0 rg BT 391.66 526.25 Td (by ) Tj ET Q q 0 0 0 rg BT 404.75 526.25 Td (macroeconomic ) Tj ET Q q 0 0 0 rg BT 471.69 526.25 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 518.94 526.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 554.24 526.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 91.38 514.25 Td (preferences, ) Tj ET Q q 0 0 0 rg BT 142.45 514.25 Td (availability ) Tj ET Q q 0 0 0 rg BT 189.94 514.25 Td (of ) Tj ET Q q 0 0 0 rg BT 200.77 514.25 Td (alternative ) Tj ET Q q 0 0 0 rg BT 245.46 514.25 Td (products ) Tj ET Q q 0 0 0 rg BT 282.40 514.25 Td (or ) Tj ET Q q 0 0 0 rg BT 293.23 514.25 Td (other ) Tj ET Q q 0 0 0 rg BT 316.28 514.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 345.99 514.25 Td (cause ) Tj ET Q q 0 0 0 rg BT 370.69 514.25 Td (our ) Tj ET Q q 0 0 0 rg BT 386.52 514.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 438.47 514.25 Td (to ) Tj ET Q q 0 0 0 rg BT 448.75 514.25 Td (be ) Tj ET Q q 0 0 0 rg BT 460.69 514.25 Td (inaccurate.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 496.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.77 496.25 Td (policy ) Tj ET Q q 0 0 0 rg BT 95.30 496.25 Td (of ) Tj ET Q q 0 0 0 rg BT 105.72 496.25 Td (re-aging ) Tj ET Q q 0 0 0 rg BT 142.82 496.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 173.80 496.25 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 219.79 496.25 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 263.56 496.25 Td (af) Tj ET Q q 0 0 0 rg BT 271.71 496.25 Td (fects ) Tj ET Q q 0 0 0 rg BT 292.68 496.25 Td (our ) Tj ET Q q 0 0 0 rg BT 309.23 496.25 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 361.32 496.25 Td (statistics ) Tj ET Q q 0 0 0 rg BT 398.42 496.25 Td (and ) Tj ET Q q 0 0 0 rg BT 416.07 496.25 Td (the ) Tj ET Q q 0 0 0 rg BT 430.95 496.25 Td (timing ) Tj ET Q q 0 0 0 rg BT 459.72 496.25 Td (and ) Tj ET Q q 0 0 0 rg BT 477.37 496.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 511.15 496.25 Td (of ) Tj ET Q q 0 0 0 rg BT 521.57 496.25 Td (our ) Tj ET Q q 0 0 0 rg BT 538.12 496.25 Td (write-) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 484.25 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 484.25 Td (fs, ) Tj ET Q q 0 0 0 rg BT 70.17 484.25 Td (and ) Tj ET Q q 0 0 0 rg BT 88.04 484.25 Td (may ) Tj ET Q q 0 0 0 rg BT 107.56 484.25 Td (lead ) Tj ET Q q 0 0 0 rg BT 127.08 484.25 Td (to ) Tj ET Q q 0 0 0 rg BT 137.16 484.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 166.69 484.25 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 218.99 484.25 Td (statistics ) Tj ET Q q 0 0 0 rg BT 256.29 484.25 Td (in ) Tj ET Q q 0 0 0 rg BT 266.94 484.25 Td (the ) Tj ET Q q 0 0 0 rg BT 282.02 484.25 Td (future.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.08 484.25 Td (Re-aging ) Tj ET Q q 0 0 0 rg BT 351.54 484.25 Td (is ) Tj ET Q q 0 0 0 rg BT 360.51 484.25 Td (of) Tj ET Q q 0 0 0 rg BT 368.66 484.25 Td (fered ) Tj ET Q q 0 0 0 rg BT 391.50 484.25 Td (to ) Tj ET Q q 0 0 0 rg BT 401.58 484.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 431.08 484.25 Td (of ) Tj ET Q q 0 0 0 rg BT 441.71 484.25 Td (our ) Tj ET Q q 0 0 0 rg BT 457.35 484.25 Td (past-due ) Tj ET Q q 0 0 0 rg BT 493.53 484.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 536.37 484.25 Td (if ) Tj ET Q q 0 0 0 rg BT 544.79 484.25 Td (they ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.25 Td (meet ) Tj ET Q q 0 0 0 rg BT 71.62 472.25 Td (the ) Tj ET Q q 0 0 0 rg BT 86.03 472.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 129.88 472.25 Td (of ) Tj ET Q q 0 0 0 rg BT 140.40 472.25 Td (our ) Tj ET Q q 0 0 0 rg BT 155.91 472.25 Td (re-age ) Tj ET Q q 0 0 0 rg BT 183.08 472.25 Td (policy) Tj ET Q q 0 0 0 rg BT 207.42 472.25 Td (. ) Tj ET Q q 0 0 0 rg BT 212.11 472.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 229.85 472.25 Td (decision ) Tj ET Q q 0 0 0 rg BT 265.36 472.25 Td (to ) Tj ET Q q 0 0 0 rg BT 275.33 472.25 Td (of) Tj ET Q q 0 0 0 rg BT 283.48 472.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 296.76 472.25 Td (a ) Tj ET Q q 0 0 0 rg BT 303.39 472.25 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 347.79 472.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 386.63 472.25 Td (a ) Tj ET Q q 0 0 0 rg BT 393.26 472.25 Td (re-age ) Tj ET Q q 0 0 0 rg BT 420.42 472.25 Td (program ) Tj ET Q q 0 0 0 rg BT 456.48 472.25 Td (is ) Tj ET Q q 0 0 0 rg BT 465.34 472.25 Td (based ) Tj ET Q q 0 0 0 rg BT 490.30 472.25 Td (on ) Tj ET Q q 0 0 0 rg BT 502.49 472.25 Td (that ) Tj ET Q q 0 0 0 rg BT 519.67 472.25 Td (borrower's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.25 Td (specific ) Tj ET Q q 0 0 0 rg BT 83.57 460.25 Td (condition, ) Tj ET Q q 0 0 0 rg BT 126.32 460.25 Td (our ) Tj ET Q q 0 0 0 rg BT 142.13 460.25 Td (history ) Tj ET Q q 0 0 0 rg BT 172.39 460.25 Td (with ) Tj ET Q q 0 0 0 rg BT 192.64 460.25 Td (the ) Tj ET Q q 0 0 0 rg BT 207.34 460.25 Td (borrower) Tj ET Q q 0 0 0 rg BT 243.59 460.25 Td (, ) Tj ET Q q 0 0 0 rg BT 248.57 460.25 Td (the ) Tj ET Q q 0 0 0 rg BT 263.26 460.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 295.73 460.25 Td (of ) Tj ET Q q 0 0 0 rg BT 306.54 460.25 Td (the ) Tj ET Q q 0 0 0 rg BT 321.24 460.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 340.93 460.25 Td (and ) Tj ET Q q 0 0 0 rg BT 357.85 460.25 Td (various ) Tj ET Q q 0 0 0 rg BT 389.77 460.25 Td (other ) Tj ET Q q 0 0 0 rg BT 412.79 460.25 Td (factors. ) Tj ET Q q 0 0 0 rg BT 444.80 460.25 Td (When ) Tj ET Q q 0 0 0 rg BT 471.15 460.25 Td (we ) Tj ET Q q 0 0 0 rg BT 485.29 460.25 Td (re-age ) Tj ET Q q 0 0 0 rg BT 512.74 460.25 Td (a ) Tj ET Q q 0 0 0 rg BT 519.66 460.25 Td (customer's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.25 Td (account, ) Tj ET Q q 0 0 0 rg BT 87.17 448.25 Td (we ) Tj ET Q q 0 0 0 rg BT 102.41 448.25 Td (move ) Tj ET Q q 0 0 0 rg BT 128.21 448.25 Td (the ) Tj ET Q q 0 0 0 rg BT 144.00 448.25 Td (account ) Tj ET Q q 0 0 0 rg BT 178.67 448.25 Td (from ) Tj ET Q q 0 0 0 rg BT 201.69 448.25 Td (a ) Tj ET Q q 0 0 0 rg BT 209.71 448.25 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 255.50 448.25 Td (status ) Tj ET Q q 0 0 0 rg BT 281.85 448.25 Td (to ) Tj ET Q q 0 0 0 rg BT 293.21 448.25 Td (a ) Tj ET Q q 0 0 0 rg BT 301.22 448.25 Td (current ) Tj ET Q q 0 0 0 rg BT 333.12 448.25 Td (status. ) Tj ET Q q 0 0 0 rg BT 361.97 448.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 417.75 448.25 Td (exercises ) Tj ET Q q 0 0 0 rg BT 457.98 448.25 Td (a ) Tj ET Q q 0 0 0 rg BT 466.00 448.25 Td (considerable ) Tj ET Q q 0 0 0 rg BT 520.11 448.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 553.68 448.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.25 Td (discretion ) Tj ET Q q 0 0 0 rg BT 92.06 436.25 Td (over ) Tj ET Q q 0 0 0 rg BT 112.45 436.25 Td (the ) Tj ET Q q 0 0 0 rg BT 127.29 436.25 Td (re-aging ) Tj ET Q q 0 0 0 rg BT 163.22 436.25 Td (process ) Tj ET Q q 0 0 0 rg BT 195.83 436.25 Td (and ) Tj ET Q q 0 0 0 rg BT 212.90 436.25 Td (has ) Tj ET Q q 0 0 0 rg BT 228.85 436.25 Td (the ) Tj ET Q q 0 0 0 rg BT 243.69 436.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 271.86 436.25 Td (to ) Tj ET Q q 0 0 0 rg BT 282.26 436.25 Td (re-age ) Tj ET Q q 0 0 0 rg BT 309.86 436.25 Td (an ) Tj ET Q q 0 0 0 rg BT 321.92 436.25 Td (account ) Tj ET Q q 0 0 0 rg BT 355.63 436.25 Td (multiple ) Tj ET Q q 0 0 0 rg BT 391.59 436.25 Td (times ) Tj ET Q q 0 0 0 rg BT 415.87 436.25 Td (during ) Tj ET Q q 0 0 0 rg BT 444.60 436.25 Td (its ) Tj ET Q q 0 0 0 rg BT 456.67 436.25 Td (life. ) Tj ET Q q 0 0 0 rg BT 474.93 436.25 Td (T) Tj ET Q q 0 0 0 rg BT 480.69 436.25 Td (reating ) Tj ET Q q 0 0 0 rg BT 511.08 436.25 Td (an ) Tj ET Q q 0 0 0 rg BT 523.14 436.25 Td (otherwise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.25 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 104.30 424.25 Td (account ) Tj ET Q q 0 0 0 rg BT 138.04 424.25 Td (as ) Tj ET Q q 0 0 0 rg BT 149.02 424.25 Td (current ) Tj ET Q q 0 0 0 rg BT 179.99 424.25 Td (af) Tj ET Q q 0 0 0 rg BT 187.58 424.25 Td (fects ) Tj ET Q q 0 0 0 rg BT 209.11 424.25 Td (our ) Tj ET Q q 0 0 0 rg BT 225.09 424.25 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 276.61 424.25 Td (statistics, ) Tj ET Q q 0 0 0 rg BT 316.21 424.25 Td (as ) Tj ET Q q 0 0 0 rg BT 327.19 424.25 Td (well ) Tj ET Q q 0 0 0 rg BT 347.06 424.25 Td (as ) Tj ET Q q 0 0 0 rg BT 358.04 424.25 Td (impacting ) Tj ET Q q 0 0 0 rg BT 400.68 424.25 Td (the ) Tj ET Q q 0 0 0 rg BT 415.55 424.25 Td (timing ) Tj ET Q q 0 0 0 rg BT 444.31 424.25 Td (and ) Tj ET Q q 0 0 0 rg BT 461.40 424.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 494.05 424.25 Td (of ) Tj ET Q q 0 0 0 rg BT 505.03 424.25 Td (char) Tj ET Q q 0 0 0 rg BT 522.06 424.25 Td (ge-of) Tj ET Q q 0 0 0 rg BT 542.97 424.25 Td (fs. ) Tj ET Q q 0 0 0 rg BT 555.35 424.25 Td (If ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.25 Td (these ) Tj ET Q q 0 0 0 rg BT 72.78 412.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 109.99 412.25 Td (had ) Tj ET Q q 0 0 0 rg BT 126.66 412.25 Td (been ) Tj ET Q q 0 0 0 rg BT 147.77 412.25 Td (char) Tj ET Q q 0 0 0 rg BT 164.80 412.25 Td (ged ) Tj ET Q q 0 0 0 rg BT 181.46 412.25 Td (of) Tj ET Q q 0 0 0 rg BT 189.61 412.25 Td (f ) Tj ET Q q 0 0 0 rg BT 195.17 412.25 Td (sooner) Tj ET Q q 0 0 0 rg BT 221.43 412.25 Td (, ) Tj ET Q q 0 0 0 rg BT 226.17 412.25 Td (our ) Tj ET Q q 0 0 0 rg BT 241.73 412.25 Td (net ) Tj ET Q q 0 0 0 rg BT 256.17 412.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 273.96 412.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 295.07 412.25 Td (for ) Tj ET Q q 0 0 0 rg BT 308.96 412.25 Td (earlier ) Tj ET Q q 0 0 0 rg BT 336.73 412.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 368.39 412.25 Td (might ) Tj ET Q q 0 0 0 rg BT 393.96 412.25 Td (have ) Tj ET Q q 0 0 0 rg BT 415.07 412.25 Td (been ) Tj ET Q q 0 0 0 rg BT 436.17 412.25 Td (higher) Tj ET Q q 0 0 0 rg BT 461.17 412.25 Td (. ) Tj ET Q q 0 0 0 rg BT 465.90 412.25 Td ( ) Tj ET Q q 0 0 0 rg BT 468.13 412.25 Td (If ) Tj ET Q q 0 0 0 rg BT 477.02 412.25 Td (the ) Tj ET Q q 0 0 0 rg BT 491.47 412.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 530.35 412.25 Td (defaults ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.25 Td (on ) Tj ET Q q 0 0 0 rg BT 63.33 400.25 Td (the ) Tj ET Q q 0 0 0 rg BT 78.89 400.25 Td (re-aged ) Tj ET Q q 0 0 0 rg BT 112.20 400.25 Td (account, ) Tj ET Q q 0 0 0 rg BT 149.13 400.25 Td (our ) Tj ET Q q 0 0 0 rg BT 165.79 400.25 Td (re-aging ) Tj ET Q q 0 0 0 rg BT 202.44 400.25 Td (may ) Tj ET Q q 0 0 0 rg BT 222.99 400.25 Td (have ) Tj ET Q q 0 0 0 rg BT 245.21 400.25 Td (simply ) Tj ET Q q 0 0 0 rg BT 275.77 400.25 Td (postponed ) Tj ET Q q 0 0 0 rg BT 320.21 400.25 Td (a ) Tj ET Q q 0 0 0 rg BT 327.98 400.25 Td (delinquency) Tj ET Q q 0 0 0 rg BT 376.21 400.25 Td (, ) Tj ET Q q 0 0 0 rg BT 382.04 400.25 Td (and ) Tj ET Q q 0 0 0 rg BT 399.81 400.25 Td (our ) Tj ET Q q 0 0 0 rg BT 416.48 400.25 Td (future ) Tj ET Q q 0 0 0 rg BT 443.69 400.25 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 495.90 400.25 Td (statistics ) Tj ET Q q 0 0 0 rg BT 533.68 400.25 Td (will ) Tj ET Q q 0 0 0 rg BT 552.57 400.25 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.25 Td (correspondingly ) Tj ET Q q 0 0 0 rg BT 117.49 388.25 Td (higher) Tj ET Q q 0 0 0 rg BT 142.48 388.25 Td (. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (If ) Tj ET Q q 0 0 0 rg BT 59.10 370.25 Td (we ) Tj ET Q q 0 0 0 rg BT 72.09 370.25 Td (fail ) Tj ET Q q 0 0 0 rg BT 87.86 370.25 Td (to ) Tj ET Q q 0 0 0 rg BT 97.52 370.25 Td (properly ) Tj ET Q q 0 0 0 rg BT 133.85 370.25 Td (staf) Tj ET Q q 0 0 0 rg BT 148.66 370.25 Td (f ) Tj ET Q q 0 0 0 rg BT 153.88 370.25 Td (and ) Tj ET Q q 0 0 0 rg BT 171.32 370.25 Td (train ) Tj ET Q q 0 0 0 rg BT 193.21 370.25 Td (our ) Tj ET Q q 0 0 0 rg BT 209.55 370.25 Td (collections ) Tj ET Q q 0 0 0 rg BT 255.31 370.25 Td (personnel ) Tj ET Q q 0 0 0 rg BT 297.76 370.25 Td (or ) Tj ET Q q 0 0 0 rg BT 308.53 370.25 Td (timely ) Tj ET Q q 0 0 0 rg BT 335.40 370.25 Td (contact ) Tj ET Q q 0 0 0 rg BT 367.28 370.25 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 413.06 370.25 Td (borrowers, ) Tj ET Q q 0 0 0 rg BT 459.12 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 473.78 370.25 Td (number ) Tj ET Q q 0 0 0 rg BT 507.89 370.25 Td (of ) Tj ET Q q 0 0 0 rg BT 518.10 370.25 Td (delinquent ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 89.64 358.25 Td (receivables ) Tj ET Q q 0 0 0 rg BT 137.04 358.25 Td (eventually ) Tj ET Q q 0 0 0 rg BT 181.12 358.25 Td (being ) Tj ET Q q 0 0 0 rg BT 205.76 358.25 Td (charged ) Tj ET Q q 0 0 0 rg BT 240.95 358.25 Td (of) Tj ET Q q 0 0 0 rg BT 249.10 358.25 Td (f ) Tj ET Q q 0 0 0 rg BT 254.30 358.25 Td (could ) Tj ET Q q 0 0 0 rg BT 278.94 358.25 Td (increase.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.88 358.25 Td () Tj ET Q q 0 0 0 rg BT 318.20 358.25 Td (W) Tj ET Q q 0 0 0 rg BT 326.83 358.25 Td (e ) Tj ET Q q 0 0 0 rg BT 333.14 358.25 Td (contact ) Tj ET Q q 0 0 0 rg BT 363.87 358.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 406.28 358.25 Td (with ) Tj ET Q q 0 0 0 rg BT 425.93 358.25 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 470.00 358.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 494.63 358.25 Td (account ) Tj ET Q q 0 0 0 rg BT 527.59 358.25 Td (balances ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (soon ) Tj ET Q q 0 0 0 rg BT 71.98 346.25 Td (after ) Tj ET Q q 0 0 0 rg BT 93.37 346.25 Td (the ) Tj ET Q q 0 0 0 rg BT 108.67 346.25 Td (account ) Tj ET Q q 0 0 0 rg BT 142.85 346.25 Td (becomes ) Tj ET Q q 0 0 0 rg BT 180.92 346.25 Td (delinquent. ) Tj ET Q q 0 0 0 rg BT 228.72 346.25 Td (During ) Tj ET Q q 0 0 0 rg BT 260.13 346.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 292.65 346.25 Td (of ) Tj ET Q q 0 0 0 rg BT 304.06 346.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 344.90 346.25 Td (delinquencies, ) Tj ET Q q 0 0 0 rg BT 405.47 346.25 Td (it ) Tj ET Q q 0 0 0 rg BT 414.11 346.25 Td (is ) Tj ET Q q 0 0 0 rg BT 423.86 346.25 Td (important ) Tj ET Q q 0 0 0 rg BT 465.83 346.25 Td (that ) Tj ET Q q 0 0 0 rg BT 483.90 346.25 Td (we ) Tj ET Q q 0 0 0 rg BT 498.65 346.25 Td (are ) Tj ET Q q 0 0 0 rg BT 513.94 346.25 Td (proactive ) Tj ET Q q 0 0 0 rg BT 554.22 346.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (dealing ) Tj ET Q q 0 0 0 rg BT 82.55 334.25 Td (with ) Tj ET Q q 0 0 0 rg BT 103.44 334.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 147.10 334.25 Td (rather ) Tj ET Q q 0 0 0 rg BT 173.53 334.25 Td (than ) Tj ET Q q 0 0 0 rg BT 193.86 334.25 Td (simply ) Tj ET Q q 0 0 0 rg BT 224.20 334.25 Td (allowing ) Tj ET Q q 0 0 0 rg BT 262.31 334.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 302.08 334.25 Td (receivables ) Tj ET Q q 0 0 0 rg BT 350.17 334.25 Td (to ) Tj ET Q q 0 0 0 rg BT 361.06 334.25 Td (go ) Tj ET Q q 0 0 0 rg BT 374.17 334.25 Td (to ) Tj ET Q q 0 0 0 rg BT 385.07 334.25 Td (char) Tj ET Q q 0 0 0 rg BT 402.09 334.25 Td (ge-of) Tj ET Q q 0 0 0 rg BT 423.01 334.25 Td (f. ) Tj ET Q q 0 0 0 rg BT 431.96 334.25 Td (Historically) Tj ET Q q 0 0 0 rg BT 478.52 334.25 Td (, ) Tj ET Q q 0 0 0 rg BT 484.13 334.25 Td (when ) Tj ET Q q 0 0 0 rg BT 508.91 334.25 Td (our ) Tj ET Q q 0 0 0 rg BT 525.35 334.25 Td (servicing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.25 Td (becomes ) Tj ET Q q 0 0 0 rg BT 87.81 322.25 Td (involved ) Tj ET Q q 0 0 0 rg BT 125.62 322.25 Td (at ) Tj ET Q q 0 0 0 rg BT 135.66 322.25 Td (an ) Tj ET Q q 0 0 0 rg BT 147.92 322.25 Td (earlier ) Tj ET Q q 0 0 0 rg BT 176.27 322.25 Td (stage ) Tj ET Q q 0 0 0 rg BT 199.64 322.25 Td (of ) Tj ET Q q 0 0 0 rg BT 210.79 322.25 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 262.49 322.25 Td (with ) Tj ET Q q 0 0 0 rg BT 283.09 322.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 308.67 322.25 Td (counseling ) Tj ET Q q 0 0 0 rg BT 354.82 322.25 Td (and ) Tj ET Q q 0 0 0 rg BT 372.08 322.25 Td (workout ) Tj ET Q q 0 0 0 rg BT 408.23 322.25 Td (programs, ) Tj ET Q q 0 0 0 rg BT 451.32 322.25 Td (there ) Tj ET Q q 0 0 0 rg BT 474.13 322.25 Td (is ) Tj ET Q q 0 0 0 rg BT 483.62 322.25 Td (a ) Tj ET Q q 0 0 0 rg BT 490.88 322.25 Td (greater ) Tj ET Q q 0 0 0 rg BT 521.45 322.25 Td (likelihood ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.25 Td (that ) Tj ET Q q 0 0 0 rg BT 67.50 310.25 Td (the ) Tj ET Q q 0 0 0 rg BT 82.21 310.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 121.37 310.25 Td (receivable ) Tj ET Q q 0 0 0 rg BT 164.95 310.25 Td (will ) Tj ET Q q 0 0 0 rg BT 183.00 310.25 Td (not ) Tj ET Q q 0 0 0 rg BT 198.28 310.25 Td (be ) Tj ET Q q 0 0 0 rg BT 210.22 310.25 Td (char) Tj ET Q q 0 0 0 rg BT 227.25 310.25 Td (ged ) Tj ET Q q 0 0 0 rg BT 244.18 310.25 Td (of) Tj ET Q q 0 0 0 rg BT 252.33 310.25 Td (f.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.74 292.25 Td (success ) Tj ET Q q 0 0 0 rg BT 101.93 292.25 Td (of ) Tj ET Q q 0 0 0 rg BT 113.45 292.25 Td (our ) Tj ET Q q 0 0 0 rg BT 129.98 292.25 Td (collection ) Tj ET Q q 0 0 0 rg BT 172.60 292.25 Td (ef) Tj ET Q q 0 0 0 rg BT 180.19 292.25 Td (forts ) Tj ET Q q 0 0 0 rg BT 201.71 292.25 Td (depends ) Tj ET Q q 0 0 0 rg BT 237.68 292.25 Td (on ) Tj ET Q q 0 0 0 rg BT 250.87 292.25 Td (being ) Tj ET Q q 0 0 0 rg BT 276.28 292.25 Td (properly ) Tj ET Q q 0 0 0 rg BT 313.35 292.25 Td (staf) Tj ET Q q 0 0 0 rg BT 327.61 292.25 Td (fed ) Tj ET Q q 0 0 0 rg BT 343.58 292.25 Td (and ) Tj ET Q q 0 0 0 rg BT 361.21 292.25 Td (trained ) Tj ET Q q 0 0 0 rg BT 392.17 292.25 Td (to ) Tj ET Q q 0 0 0 rg BT 403.14 292.25 Td (assist ) Tj ET Q q 0 0 0 rg BT 428.01 292.25 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 471.74 292.25 Td (in ) Tj ET Q q 0 0 0 rg BT 482.72 292.25 Td (bringing ) Tj ET Q q 0 0 0 rg BT 519.80 292.25 Td (delinquent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 86.70 280.25 Td (current ) Tj ET Q q 0 0 0 rg BT 117.29 280.25 Td (and ) Tj ET Q q 0 0 0 rg BT 134.00 280.25 Td (ultimately ) Tj ET Q q 0 0 0 rg BT 176.83 280.25 Td (avoiding ) Tj ET Q q 0 0 0 rg BT 214.10 280.25 Td (char) Tj ET Q q 0 0 0 rg BT 231.12 280.25 Td (ge-of) Tj ET Q q 0 0 0 rg BT 252.04 280.25 Td (f. ) Tj ET Q q 0 0 0 rg BT 260.15 280.25 Td (If ) Tj ET Q q 0 0 0 rg BT 269.08 280.25 Td (we ) Tj ET Q q 0 0 0 rg BT 283.02 280.25 Td (do ) Tj ET Q q 0 0 0 rg BT 295.29 280.25 Td (not ) Tj ET Q q 0 0 0 rg BT 310.35 280.25 Td (properly ) Tj ET Q q 0 0 0 rg BT 346.50 280.25 Td (staf) Tj ET Q q 0 0 0 rg BT 360.76 280.25 Td (f ) Tj ET Q q 0 0 0 rg BT 366.36 280.25 Td (and ) Tj ET Q q 0 0 0 rg BT 383.08 280.25 Td (train ) Tj ET Q q 0 0 0 rg BT 403.68 280.25 Td (our ) Tj ET Q q 0 0 0 rg BT 419.28 280.25 Td (collections ) Tj ET Q q 0 0 0 rg BT 464.88 280.25 Td (personnel, ) Tj ET Q q 0 0 0 rg BT 508.53 280.25 Td (or ) Tj ET Q q 0 0 0 rg BT 519.14 280.25 Td (if ) Tj ET Q q 0 0 0 rg BT 527.52 280.25 Td (we ) Tj ET Q q 0 0 0 rg BT 541.46 280.25 Td (incur ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.25 Td (any ) Tj ET Q q 0 0 0 rg BT 66.79 268.25 Td (downtime ) Tj ET Q q 0 0 0 rg BT 109.13 268.25 Td (or ) Tj ET Q q 0 0 0 rg BT 119.81 268.25 Td (other ) Tj ET Q q 0 0 0 rg BT 142.71 268.25 Td (issues ) Tj ET Q q 0 0 0 rg BT 168.95 268.25 Td (with ) Tj ET Q q 0 0 0 rg BT 189.08 268.25 Td (our ) Tj ET Q q 0 0 0 rg BT 204.76 268.25 Td (information ) Tj ET Q q 0 0 0 rg BT 254.32 268.25 Td (systems ) Tj ET Q q 0 0 0 rg BT 288.34 268.25 Td (that ) Tj ET Q q 0 0 0 rg BT 305.69 268.25 Td (assist ) Tj ET Q q 0 0 0 rg BT 329.71 268.25 Td (us ) Tj ET Q q 0 0 0 rg BT 340.95 268.25 Td (with ) Tj ET Q q 0 0 0 rg BT 361.08 268.25 Td (our ) Tj ET Q q 0 0 0 rg BT 376.76 268.25 Td (collection ) Tj ET Q q 0 0 0 rg BT 418.54 268.25 Td (ef) Tj ET Q q 0 0 0 rg BT 426.13 268.25 Td (forts, ) Tj ET Q q 0 0 0 rg BT 449.31 268.25 Td (then ) Tj ET Q q 0 0 0 rg BT 468.87 268.25 Td (the ) Tj ET Q q 0 0 0 rg BT 483.44 268.25 Td (number ) Tj ET Q q 0 0 0 rg BT 516.34 268.25 Td (of ) Tj ET Q q 0 0 0 rg BT 527.02 268.25 Td (accounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.25 256.25 Td (a ) Tj ET Q q 0 0 0 rg BT 67.15 256.25 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 111.83 256.25 Td (status ) Tj ET Q q 0 0 0 rg BT 137.08 256.25 Td (or ) Tj ET Q q 0 0 0 rg BT 147.88 256.25 Td (char) Tj ET Q q 0 0 0 rg BT 164.90 256.25 Td (ged-of) Tj ET Q q 0 0 0 rg BT 190.82 256.25 Td (f ) Tj ET Q q 0 0 0 rg BT 196.62 256.25 Td (could ) Tj ET Q q 0 0 0 rg BT 221.31 256.25 Td (increase. ) Tj ET Q q 0 0 0 rg BT 259.03 256.25 Td (In ) Tj ET Q q 0 0 0 rg BT 269.83 256.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 307.57 256.25 Td (managing ) Tj ET Q q 0 0 0 rg BT 349.47 256.25 Td (a ) Tj ET Q q 0 0 0 rg BT 356.38 256.25 Td (substantially ) Tj ET Q q 0 0 0 rg BT 409.40 256.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 437.41 256.25 Td (volume ) Tj ET Q q 0 0 0 rg BT 469.88 256.25 Td (of ) Tj ET Q q 0 0 0 rg BT 480.67 256.25 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 525.35 256.25 Td (customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.25 Td (receivables ) Tj ET Q q 0 0 0 rg BT 96.92 244.25 Td (typically ) Tj ET Q q 0 0 0 rg BT 133.87 244.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 172.46 244.25 Td (our ) Tj ET Q q 0 0 0 rg BT 187.75 244.25 Td (operational ) Tj ET Q q 0 0 0 rg BT 234.68 244.25 Td (costs. ) Tj ET Q q 0 0 0 rg BT 258.70 244.25 Td (A) Tj ET Q q 0 0 0 rg BT 265.37 244.25 Td ( ) Tj ET Q q 0 0 0 rg BT 267.32 244.25 Td (rise ) Tj ET Q q 0 0 0 rg BT 283.71 244.25 Td (in ) Tj ET Q q 0 0 0 rg BT 293.44 244.25 Td (delinquencies ) Tj ET Q q 0 0 0 rg BT 350.37 244.25 Td (or ) Tj ET Q q 0 0 0 rg BT 360.66 244.25 Td (char) Tj ET Q q 0 0 0 rg BT 377.68 244.25 Td (ge-of) Tj ET Q q 0 0 0 rg BT 398.60 244.25 Td (fs ) Tj ET Q q 0 0 0 rg BT 407.77 244.25 Td (could ) Tj ET Q q 0 0 0 rg BT 431.94 244.25 Td (result ) Tj ET Q q 0 0 0 rg BT 456.11 244.25 Td (in ) Tj ET Q q 0 0 0 rg BT 465.84 244.25 Td (a ) Tj ET Q q 0 0 0 rg BT 472.23 244.25 Td (material ) Tj ET Q q 0 0 0 rg BT 506.94 244.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 539.43 244.25 Td (ef) Tj ET Q q 0 0 0 rg BT 547.02 244.25 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.25 Td (on ) Tj ET Q q 0 0 0 rg BT 62.50 232.25 Td (us.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 214.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 214.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.42 214.25 Td (rely ) Tj ET Q q 0 0 0 rg BT 83.79 214.25 Td (on ) Tj ET Q q 0 0 0 rg BT 97.19 214.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 132.80 214.25 Td (models ) Tj ET Q q 0 0 0 rg BT 164.52 214.25 Td (to ) Tj ET Q q 0 0 0 rg BT 175.13 214.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 210.73 214.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 229.13 214.25 Td (and ) Tj ET Q q 0 0 0 rg BT 247.52 214.25 Td (to ) Tj ET Q q 0 0 0 rg BT 258.13 214.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 291.50 214.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 340.45 214.25 Td (estimates. ) Tj ET Q q 0 0 0 rg BT 383.35 214.25 Td (W) Tj ET Q q 0 0 0 rg BT 391.50 214.25 Td (e ) Tj ET Q q 0 0 0 rg BT 398.77 214.25 Td (could ) Tj ET Q q 0 0 0 rg BT 424.37 214.25 Td (suf) Tj ET Q q 0 0 0 rg BT 436.98 214.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 451.47 214.25 Td (a ) Tj ET Q q 0 0 0 rg BT 459.29 214.25 Td (material ) Tj ET Q q 0 0 0 rg BT 496.57 214.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 530.50 214.25 Td (ef) Tj ET Q q 0 0 0 rg BT 538.08 214.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 555.90 214.25 Td (if ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 202.25 Td (those ) Tj ET Q q 0 0 0 rg BT 73.90 202.25 Td (models ) Tj ET Q q 0 0 0 rg BT 105.01 202.25 Td (do ) Tj ET Q q 0 0 0 rg BT 117.24 202.25 Td (not ) Tj ET Q q 0 0 0 rg BT 132.80 202.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 165.58 202.25 Td (reliable ) Tj ET Q q 0 0 0 rg BT 198.91 202.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 247.25 202.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 287.25 202.25 Td (or ) Tj ET Q q 0 0 0 rg BT 298.37 202.25 Td (predictions ) Tj ET Q q 0 0 0 rg BT 346.15 202.25 Td (of ) Tj ET Q q 0 0 0 rg BT 356.71 202.25 Td (future ) Tj ET Q q 0 0 0 rg BT 384.50 202.25 Td (activity) Tj ET Q q 0 0 0 rg BT 413.55 202.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.05 202.25 Td () Tj ET Q q 0 0 0 rg BT 418.37 202.25 Td (W) Tj ET Q q 0 0 0 rg BT 427.01 202.25 Td (e ) Tj ET Q q 0 0 0 rg BT 433.68 202.25 Td (make ) Tj ET Q q 0 0 0 rg BT 457.56 202.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 502.00 202.25 Td (use ) Tj ET Q q 0 0 0 rg BT 517.55 202.25 Td (of ) Tj ET Q q 0 0 0 rg BT 528.11 202.25 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.57 190.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 103.68 190.25 Td (models ) Tj ET Q q 0 0 0 rg BT 134.70 190.25 Td (in ) Tj ET Q q 0 0 0 rg BT 144.61 190.25 Td (connection ) Tj ET Q q 0 0 0 rg BT 190.61 190.25 Td (with ) Tj ET Q q 0 0 0 rg BT 210.52 190.25 Td (our ) Tj ET Q q 0 0 0 rg BT 225.98 190.25 Td (ef) Tj ET Q q 0 0 0 rg BT 233.56 190.25 Td (forts ) Tj ET Q q 0 0 0 rg BT 254.03 190.25 Td (to ) Tj ET Q q 0 0 0 rg BT 263.93 190.25 Td (measure ) Tj ET Q q 0 0 0 rg BT 299.38 190.25 Td (and ) Tj ET Q q 0 0 0 rg BT 315.95 190.25 Td (monitor ) Tj ET Q q 0 0 0 rg BT 349.74 190.25 Td (our ) Tj ET Q q 0 0 0 rg BT 365.20 190.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 382.33 190.25 Td (exposures ) Tj ET Q q 0 0 0 rg BT 424.46 190.25 Td (and ) Tj ET Q q 0 0 0 rg BT 441.02 190.25 Td (to ) Tj ET Q q 0 0 0 rg BT 450.93 190.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 484.16 190.25 Td (our ) Tj ET Q q 0 0 0 rg BT 499.62 190.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 524.51 190.25 Td (portfolio. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.25 Td (For ) Tj ET Q q 0 0 0 rg BT 68.17 178.25 Td (example, ) Tj ET Q q 0 0 0 rg BT 108.82 178.25 Td (we ) Tj ET Q q 0 0 0 rg BT 124.76 178.25 Td (use ) Tj ET Q q 0 0 0 rg BT 142.36 178.25 Td (models ) Tj ET Q q 0 0 0 rg BT 175.53 178.25 Td (as ) Tj ET Q q 0 0 0 rg BT 188.13 178.25 Td (a ) Tj ET Q q 0 0 0 rg BT 196.85 178.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 221.13 178.25 Td (for ) Tj ET Q q 0 0 0 rg BT 237.07 178.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 264.11 178.25 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 320.04 178.25 Td (decisions, ) Tj ET Q q 0 0 0 rg BT 364.03 178.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 403.31 178.25 Td (delinquency) Tj ET Q q 0 0 0 rg BT 451.53 178.25 Td (, ) Tj ET Q q 0 0 0 rg BT 458.31 178.25 Td (char) Tj ET Q q 0 0 0 rg BT 475.33 178.25 Td (ge-of) Tj ET Q q 0 0 0 rg BT 496.25 178.25 Td (f ) Tj ET Q q 0 0 0 rg BT 503.86 178.25 Td (and ) Tj ET Q q 0 0 0 rg BT 522.57 178.25 Td (collection ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.25 Td (expectations ) Tj ET Q q 0 0 0 rg BT 102.27 166.25 Td (and ) Tj ET Q q 0 0 0 rg BT 119.00 166.25 Td (other ) Tj ET Q q 0 0 0 rg BT 141.84 166.25 Td (market ) Tj ET Q q 0 0 0 rg BT 171.89 166.25 Td (risks, ) Tj ET Q q 0 0 0 rg BT 195.57 166.25 Td (based ) Tj ET Q q 0 0 0 rg BT 220.63 166.25 Td (on ) Tj ET Q q 0 0 0 rg BT 232.92 166.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 274.08 166.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 303.58 166.25 Td (and ) Tj ET Q q 0 0 0 rg BT 320.31 166.25 Td (our ) Tj ET Q q 0 0 0 rg BT 335.93 166.25 Td (experience. ) Tj ET Q q 0 0 0 rg BT 383.85 166.25 Td (The ) Tj ET Q q 0 0 0 rg BT 401.69 166.25 Td (information ) Tj ET Q q 0 0 0 rg BT 451.19 166.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 489.03 166.25 Td (by ) Tj ET Q q 0 0 0 rg BT 501.32 166.25 Td (these ) Tj ET Q q 0 0 0 rg BT 524.16 166.25 Td (models ) Tj ET Q q 0 0 0 rg BT 555.33 166.25 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.25 Td (used ) Tj ET Q q 0 0 0 rg BT 70.83 154.25 Td (in ) Tj ET Q q 0 0 0 rg BT 81.10 154.25 Td (making ) Tj ET Q q 0 0 0 rg BT 113.59 154.25 Td (business ) Tj ET Q q 0 0 0 rg BT 149.98 154.25 Td (decisions ) Tj ET Q q 0 0 0 rg BT 189.69 154.25 Td (relating ) Tj ET Q q 0 0 0 rg BT 222.72 154.25 Td (to ) Tj ET Q q 0 0 0 rg BT 233.00 154.25 Td (strategies, ) Tj ET Q q 0 0 0 rg BT 275.76 154.25 Td (initiatives, ) Tj ET Q q 0 0 0 rg BT 320.19 154.25 Td (transactions ) Tj ET Q q 0 0 0 rg BT 370.45 154.25 Td (and ) Tj ET Q q 0 0 0 rg BT 387.38 154.25 Td (pricing, ) Tj ET Q q 0 0 0 rg BT 420.70 154.25 Td (as ) Tj ET Q q 0 0 0 rg BT 431.53 154.25 Td (well ) Tj ET Q q 0 0 0 rg BT 451.24 154.25 Td (as ) Tj ET Q q 0 0 0 rg BT 462.07 154.25 Td (the ) Tj ET Q q 0 0 0 rg BT 476.78 154.25 Td (size ) Tj ET Q q 0 0 0 rg BT 494.82 154.25 Td (of ) Tj ET Q q 0 0 0 rg BT 505.64 154.25 Td (our ) Tj ET Q q 0 0 0 rg BT 521.47 154.25 Td (allowance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.25 Td (for ) Tj ET Q q 0 0 0 rg BT 64.16 142.25 Td (doubtful ) Tj ET Q q 0 0 0 rg BT 100.55 142.25 Td (accounts, ) Tj ET Q q 0 0 0 rg BT 140.53 142.25 Td (among ) Tj ET Q q 0 0 0 rg BT 170.25 142.25 Td (other ) Tj ET Q q 0 0 0 rg BT 193.30 142.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 239.67 142.25 Td (estimates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.25 Td (Models ) Tj ET Q q 0 0 0 rg BT 82.60 124.25 Td (are ) Tj ET Q q 0 0 0 rg BT 97.41 124.25 Td (inherently ) Tj ET Q q 0 0 0 rg BT 140.55 124.25 Td (imperfect ) Tj ET Q q 0 0 0 rg BT 181.47 124.25 Td (predictors ) Tj ET Q q 0 0 0 rg BT 224.05 124.25 Td (of ) Tj ET Q q 0 0 0 rg BT 234.98 124.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 261.46 124.25 Td (results ) Tj ET Q q 0 0 0 rg BT 290.17 124.25 Td (because ) Tj ET Q q 0 0 0 rg BT 324.42 124.25 Td (they ) Tj ET Q q 0 0 0 rg BT 344.23 124.25 Td (are ) Tj ET Q q 0 0 0 rg BT 359.04 124.25 Td (based ) Tj ET Q q 0 0 0 rg BT 384.41 124.25 Td (on ) Tj ET Q q 0 0 0 rg BT 397.01 124.25 Td (current ) Tj ET Q q 0 0 0 rg BT 427.93 124.25 Td (and ) Tj ET Q q 0 0 0 rg BT 444.97 124.25 Td (historical ) Tj ET Q q 0 0 0 rg BT 484.78 124.25 Td (data ) Tj ET Q q 0 0 0 rg BT 504.04 124.25 Td (available ) Tj ET Q q 0 0 0 rg BT 542.73 124.25 Td (to ) Tj ET Q q 0 0 0 rg BT 553.11 124.25 Td (us ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.32 112.25 Td (our ) Tj ET Q q 0 0 0 rg BT 83.54 112.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 135.87 112.25 Td (about ) Tj ET Q q 0 0 0 rg BT 160.97 112.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 191.06 112.25 Td (such ) Tj ET Q q 0 0 0 rg BT 212.27 112.25 Td (as ) Tj ET Q q 0 0 0 rg BT 223.48 112.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 249.13 112.25 Td (demand, ) Tj ET Q q 0 0 0 rg BT 286.17 112.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 323.49 112.25 Td (rates, ) Tj ET Q q 0 0 0 rg BT 347.75 112.25 Td (default ) Tj ET Q q 0 0 0 rg BT 378.39 112.25 Td (rates, ) Tj ET Q q 0 0 0 rg BT 402.65 112.25 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 454.41 112.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 476.17 112.25 Td (and ) Tj ET Q q 0 0 0 rg BT 493.49 112.25 Td (other ) Tj ET Q q 0 0 0 rg BT 516.92 112.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 547.01 112.25 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.25 Td (may ) Tj ET Q q 0 0 0 rg BT 70.12 100.25 Td (overstate ) Tj ET Q q 0 0 0 rg BT 109.12 100.25 Td (or ) Tj ET Q q 0 0 0 rg BT 120.36 100.25 Td (understate ) Tj ET Q q 0 0 0 rg BT 164.36 100.25 Td (future ) Tj ET Q q 0 0 0 rg BT 191.15 100.25 Td (experience. ) Tj ET Q q 0 0 0 rg BT 239.85 100.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 258.31 100.25 Td (models ) Tj ET Q q 0 0 0 rg BT 290.10 100.25 Td (could ) Tj ET Q q 0 0 0 rg BT 315.23 100.25 Td (produce ) Tj ET Q q 0 0 0 rg BT 350.34 100.25 Td (unreliable ) Tj ET Q q 0 0 0 rg BT 393.23 100.25 Td (results ) Tj ET Q q 0 0 0 rg BT 422.24 100.25 Td (for ) Tj ET Q q 0 0 0 rg BT 436.81 100.25 Td (a ) Tj ET Q q 0 0 0 rg BT 444.16 100.25 Td (number ) Tj ET Q q 0 0 0 rg BT 477.61 100.25 Td (of ) Tj ET Q q 0 0 0 rg BT 488.85 100.25 Td (reasons, ) Tj ET Q q 0 0 0 rg BT 524.24 100.25 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.21 88.25 Td (limitations ) Tj ET Q q 0 0 0 rg BT 108.97 88.25 Td (of ) Tj ET Q q 0 0 0 rg BT 119.29 88.25 Td (historical ) Tj ET Q q 0 0 0 rg BT 158.49 88.25 Td (data ) Tj ET Q q 0 0 0 rg BT 177.14 88.25 Td (to ) Tj ET Q q 0 0 0 rg BT 186.90 88.25 Td (predict ) Tj ET Q q 0 0 0 rg BT 216.66 88.25 Td (results ) Tj ET Q q 0 0 0 rg BT 244.75 88.25 Td (due ) Tj ET Q q 0 0 0 rg BT 261.18 88.25 Td (to ) Tj ET Q q 0 0 0 rg BT 270.95 88.25 Td (unprecedented ) Tj ET Q q 0 0 0 rg BT 331.24 88.25 Td (or ) Tj ET Q q 0 0 0 rg BT 341.56 88.25 Td (unforeseen ) Tj ET Q q 0 0 0 rg BT 387.41 88.25 Td (events ) Tj ET Q q 0 0 0 rg BT 414.95 88.25 Td (or ) Tj ET Q q 0 0 0 rg BT 425.27 88.25 Td (circumstances, ) Tj ET Q q 0 0 0 rg BT 486.40 88.25 Td (invalid ) Tj ET Q q 0 0 0 rg BT 516.16 88.25 Td (or ) Tj ET Q q 0 0 0 rg BT 526.48 88.25 Td (incorrect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 101.17 76.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 146.23 76.25 Td (the ) Tj ET Q q 0 0 0 rg BT 160.17 76.25 Td (models, ) Tj ET Q q 0 0 0 rg BT 193.28 76.25 Td (the ) Tj ET Q q 0 0 0 rg BT 207.22 76.25 Td (need ) Tj ET Q q 0 0 0 rg BT 227.83 76.25 Td (for ) Tj ET Q q 0 0 0 rg BT 241.21 76.25 Td (manual ) Tj ET Q q 0 0 0 rg BT 272.37 76.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 321.87 76.25 Td (in ) Tj ET Q q 0 0 0 rg BT 331.38 76.25 Td (response ) Tj ET Q q 0 0 0 rg BT 368.09 76.25 Td (to ) Tj ET Q q 0 0 0 rg BT 377.60 76.25 Td (rapid ) Tj ET Q q 0 0 0 rg BT 399.87 76.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 433.80 76.25 Td (in ) Tj ET Q q 0 0 0 rg BT 443.31 76.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 483.91 76.25 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 529.80 76.25 Td (changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.05 64.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 85.09 64.25 Td (policies, ) Tj ET Q q 0 0 0 rg BT 120.97 64.25 Td (incorrect ) Tj ET Q q 0 0 0 rg BT 158.78 64.25 Td (coding ) Tj ET Q q 0 0 0 rg BT 188.27 64.25 Td (of ) Tj ET Q q 0 0 0 rg BT 198.88 64.25 Td (the ) Tj ET Q q 0 0 0 rg BT 213.37 64.25 Td (models, ) Tj ET Q q 0 0 0 rg BT 247.03 64.25 Td (incorrect ) Tj ET Q q 0 0 0 rg BT 284.84 64.25 Td (data ) Tj ET Q q 0 0 0 rg BT 303.77 64.25 Td (being ) Tj ET Q q 0 0 0 rg BT 328.26 64.25 Td (used ) Tj ET Q q 0 0 0 rg BT 348.87 64.25 Td (by ) Tj ET Q q 0 0 0 rg BT 361.14 64.25 Td (the ) Tj ET Q q 0 0 0 rg BT 375.63 64.25 Td (models ) Tj ET Q q 0 0 0 rg BT 406.80 64.25 Td (or ) Tj ET Q q 0 0 0 rg BT 417.40 64.25 Td (inappropriate ) Tj ET Q q 0 0 0 rg BT 472.99 64.25 Td (application ) Tj ET Q q 0 0 0 rg BT 519.69 64.25 Td (of ) Tj ET Q q 0 0 0 rg BT 530.30 64.25 Td (a ) Tj ET Q q 0 0 0 rg BT 537.01 64.25 Td (model ) Tj ET Q endstream endobj 39 0 obj <>] /Rotate 0 /Contents 40 0 R>> endobj 40 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.98 742.10 Td (products ) Tj ET Q q 0 0 0 rg BT 96.62 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 107.16 742.10 Td (events ) Tj ET Q q 0 0 0 rg BT 134.91 742.10 Td (outside ) Tj ET Q q 0 0 0 rg BT 166.00 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 176.53 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.95 742.10 Td (model's ) Tj ET Q q 0 0 0 rg BT 223.84 742.10 Td (intended ) Tj ET Q q 0 0 0 rg BT 260.48 742.10 Td (use. ) Tj ET Q q 0 0 0 rg BT 278.52 742.10 Td (In ) Tj ET Q q 0 0 0 rg BT 289.05 742.10 Td (particular) Tj ET Q q 0 0 0 rg BT 326.96 742.10 Td (, ) Tj ET Q q 0 0 0 rg BT 331.66 742.10 Td (models ) Tj ET Q q 0 0 0 rg BT 362.75 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 377.16 742.10 Td (less ) Tj ET Q q 0 0 0 rg BT 394.37 742.10 Td (dependable ) Tj ET Q q 0 0 0 rg BT 442.10 742.10 Td (when ) Tj ET Q q 0 0 0 rg BT 465.97 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.39 742.10 Td (prevailing ) Tj ET Q q 0 0 0 rg BT 523.13 742.10 Td (economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (environment ) Tj ET Q q 0 0 0 rg BT 103.04 730.10 Td (is ) Tj ET Q q 0 0 0 rg BT 112.21 730.10 Td (dif) Tj ET Q q 0 0 0 rg BT 123.14 730.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 148.96 730.10 Td (than ) Tj ET Q q 0 0 0 rg BT 168.67 730.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 208.38 730.10 Td (experience.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.12 712.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 99.18 712.10 Td (we ) Tj ET Q q 0 0 0 rg BT 113.64 712.10 Td (continually ) Tj ET Q q 0 0 0 rg BT 161.42 712.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 193.07 712.10 Td (new ) Tj ET Q q 0 0 0 rg BT 212.52 712.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 254.18 712.10 Td (data. ) Tj ET Q q 0 0 0 rg BT 276.13 712.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 294.47 712.10 Td (critical ) Tj ET Q q 0 0 0 rg BT 325.02 712.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 371.68 712.10 Td (estimates, ) Tj ET Q q 0 0 0 rg BT 414.18 712.10 Td (such ) Tj ET Q q 0 0 0 rg BT 435.31 712.10 Td (as ) Tj ET Q q 0 0 0 rg BT 446.43 712.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.43 712.10 Td (size ) Tj ET Q q 0 0 0 rg BT 479.77 712.10 Td (of ) Tj ET Q q 0 0 0 rg BT 490.89 712.10 Td (our ) Tj ET Q q 0 0 0 rg BT 507.01 712.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 550.33 712.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (doubtful ) Tj ET Q q 0 0 0 rg BT 86.20 700.10 Td (accounts, ) Tj ET Q q 0 0 0 rg BT 126.01 700.10 Td (are ) Tj ET Q q 0 0 0 rg BT 140.53 700.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 171.17 700.10 Td (to ) Tj ET Q q 0 0 0 rg BT 181.27 700.10 Td (change, ) Tj ET Q q 0 0 0 rg BT 214.40 700.10 Td (often ) Tj ET Q q 0 0 0 rg BT 237.26 700.10 Td (significantly) Tj ET Q q 0 0 0 rg BT 286.60 700.10 Td (, ) Tj ET Q q 0 0 0 rg BT 291.42 700.10 Td (due ) Tj ET Q q 0 0 0 rg BT 308.18 700.10 Td (to ) Tj ET Q q 0 0 0 rg BT 318.27 700.10 Td (the ) Tj ET Q q 0 0 0 rg BT 332.81 700.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 360.11 700.10 Td (and ) Tj ET Q q 0 0 0 rg BT 376.86 700.10 Td (magnitude ) Tj ET Q q 0 0 0 rg BT 421.39 700.10 Td (of ) Tj ET Q q 0 0 0 rg BT 432.04 700.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 466.56 700.10 Td (in ) Tj ET Q q 0 0 0 rg BT 476.66 700.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 517.85 700.10 Td (conditions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (However) Tj ET Q q 0 0 0 rg BT 86.25 688.10 Td (, ) Tj ET Q q 0 0 0 rg BT 92.02 688.10 Td (there ) Tj ET Q q 0 0 0 rg BT 115.28 688.10 Td (is ) Tj ET Q q 0 0 0 rg BT 125.22 688.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 165.70 688.10 Td (a ) Tj ET Q q 0 0 0 rg BT 173.41 688.10 Td (lag ) Tj ET Q q 0 0 0 rg BT 188.90 688.10 Td (between ) Tj ET Q q 0 0 0 rg BT 225.49 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 240.98 688.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 289.24 688.10 Td (of ) Tj ET Q q 0 0 0 rg BT 300.84 688.10 Td (this ) Tj ET Q q 0 0 0 rg BT 318.56 688.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 360.71 688.10 Td (information ) Tj ET Q q 0 0 0 rg BT 411.19 688.10 Td (and ) Tj ET Q q 0 0 0 rg BT 428.90 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 444.39 688.10 Td (preparation ) Tj ET Q q 0 0 0 rg BT 493.20 688.10 Td (of ) Tj ET Q q 0 0 0 rg BT 504.80 688.10 Td (corresponding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 83.39 676.10 Td (models. ) Tj ET Q q 0 0 0 rg BT 117.42 676.10 Td (When ) Tj ET Q q 0 0 0 rg BT 144.15 676.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 185.87 676.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 230.39 676.10 Td (change ) Tj ET Q q 0 0 0 rg BT 261.56 676.10 Td (quickly ) Tj ET Q q 0 0 0 rg BT 294.40 676.10 Td (or ) Tj ET Q q 0 0 0 rg BT 305.58 676.10 Td (in ) Tj ET Q q 0 0 0 rg BT 316.21 676.10 Td (unforeseen ) Tj ET Q q 0 0 0 rg BT 362.93 676.10 Td (ways, ) Tj ET Q q 0 0 0 rg BT 388.83 676.10 Td (there ) Tj ET Q q 0 0 0 rg BT 411.67 676.10 Td (is ) Tj ET Q q 0 0 0 rg BT 421.19 676.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 461.79 676.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 479.64 676.10 Td (that ) Tj ET Q q 0 0 0 rg BT 497.49 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 512.56 676.10 Td (assumptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 664.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 93.89 664.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 131.36 664.10 Td (in ) Tj ET Q q 0 0 0 rg BT 141.64 664.10 Td (our ) Tj ET Q q 0 0 0 rg BT 157.47 664.10 Td (models ) Tj ET Q q 0 0 0 rg BT 188.85 664.10 Td (are ) Tj ET Q q 0 0 0 rg BT 203.56 664.10 Td (not ) Tj ET Q q 0 0 0 rg BT 218.84 664.10 Td (representative ) Tj ET Q q 0 0 0 rg BT 277.42 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 288.25 664.10 Td (current ) Tj ET Q q 0 0 0 rg BT 319.06 664.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 360.43 664.10 Td (conditions. ) Tj ET Q q 0 0 0 rg BT 407.10 664.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 87.19 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 97.72 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 112.69 646.10 Td (economy) Tj ET Q q 0 0 0 rg BT 148.69 646.10 Td (, ) Tj ET Q q 0 0 0 rg BT 153.94 646.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 179.46 646.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 213.31 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 230.50 646.10 Td (practices, ) Tj ET Q q 0 0 0 rg BT 271.28 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 288.47 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 303.44 646.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 328.95 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 346.14 646.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 375.54 646.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 409.95 646.10 Td (have ) Tj ET Q q 0 0 0 rg BT 431.57 646.10 Td (required ) Tj ET Q q 0 0 0 rg BT 467.64 646.10 Td (frequent ) Tj ET Q q 0 0 0 rg BT 503.71 646.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 554.23 646.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.98 634.10 Td (models ) Tj ET Q q 0 0 0 rg BT 97.52 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 114.61 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 129.47 634.10 Td (application ) Tj ET Q q 0 0 0 rg BT 176.55 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 187.53 634.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 217.94 634.10 Td (management ) Tj ET Q q 0 0 0 rg BT 271.68 634.10 Td (judgment ) Tj ET Q q 0 0 0 rg BT 312.10 634.10 Td (in ) Tj ET Q q 0 0 0 rg BT 322.53 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 337.40 634.10 Td (interpretation ) Tj ET Q q 0 0 0 rg BT 393.91 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 411.00 634.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 457.54 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 468.52 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 483.38 634.10 Td (results ) Tj ET Q q 0 0 0 rg BT 512.14 634.10 Td (produced ) Tj ET Q q 0 0 0 rg BT 552.00 634.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (our ) Tj ET Q q 0 0 0 rg BT 66.26 622.10 Td (models. ) Tj ET Q q 0 0 0 rg BT 100.37 622.10 Td (The ) Tj ET Q q 0 0 0 rg BT 118.86 622.10 Td (application ) Tj ET Q q 0 0 0 rg BT 166.22 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 177.48 622.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 208.17 622.10 Td (management ) Tj ET Q q 0 0 0 rg BT 262.20 622.10 Td (judgment ) Tj ET Q q 0 0 0 rg BT 302.90 622.10 Td (reflects ) Tj ET Q q 0 0 0 rg BT 335.26 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 350.41 622.10 Td (need ) Tj ET Q q 0 0 0 rg BT 372.22 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 382.94 622.10 Td (take ) Tj ET Q q 0 0 0 rg BT 402.53 622.10 Td (into ) Tj ET Q q 0 0 0 rg BT 421.02 622.10 Td (account ) Tj ET Q q 0 0 0 rg BT 455.05 622.10 Td (updated ) Tj ET Q q 0 0 0 rg BT 489.64 622.10 Td (information ) Tj ET Q q 0 0 0 rg BT 539.78 622.10 Td (while ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (continuing ) Tj ET Q q 0 0 0 rg BT 94.81 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 104.62 610.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 141.65 610.10 Td (controlled ) Tj ET Q q 0 0 0 rg BT 184.23 610.10 Td (processes ) Tj ET Q q 0 0 0 rg BT 224.58 610.10 Td (for ) Tj ET Q q 0 0 0 rg BT 238.28 610.10 Td (model ) Tj ET Q q 0 0 0 rg BT 265.31 610.10 Td (updates, ) Tj ET Q q 0 0 0 rg BT 300.40 610.10 Td (including ) Tj ET Q q 0 0 0 rg BT 340.21 610.10 Td (model ) Tj ET Q q 0 0 0 rg BT 367.24 610.10 Td (development, ) Tj ET Q q 0 0 0 rg BT 423.42 610.10 Td (testing, ) Tj ET Q q 0 0 0 rg BT 454.62 610.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 505.53 610.10 Td (validation ) Tj ET Q q 0 0 0 rg BT 547.56 610.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (implementation. ) Tj ET Q q 0 0 0 rg BT 116.76 598.10 Td (As ) Tj ET Q q 0 0 0 rg BT 129.79 598.10 Td (a ) Tj ET Q q 0 0 0 rg BT 136.14 598.10 Td (result ) Tj ET Q q 0 0 0 rg BT 160.28 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 170.52 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 184.66 598.10 Td (time ) Tj ET Q q 0 0 0 rg BT 204.35 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 220.70 598.10 Td (resources, ) Tj ET Q q 0 0 0 rg BT 262.88 598.10 Td (including ) Tj ET Q q 0 0 0 rg BT 302.57 598.10 Td (technical ) Tj ET Q q 0 0 0 rg BT 340.57 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 356.93 598.10 Td (staf) Tj ET Q q 0 0 0 rg BT 371.18 598.10 Td (fing ) Tj ET Q q 0 0 0 rg BT 389.21 598.10 Td (resources, ) Tj ET Q q 0 0 0 rg BT 431.38 598.10 Td (that ) Tj ET Q q 0 0 0 rg BT 448.30 598.10 Td (are ) Tj ET Q q 0 0 0 rg BT 462.42 598.10 Td (required ) Tj ET Q q 0 0 0 rg BT 497.65 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 507.35 598.10 Td (perform ) Tj ET Q q 0 0 0 rg BT 541.47 598.10 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (processes ) Tj ET Q q 0 0 0 rg BT 91.04 586.10 Td (ef) Tj ET Q q 0 0 0 rg BT 98.62 586.10 Td (fectively) Tj ET Q q 0 0 0 rg BT 132.95 586.10 Td (, ) Tj ET Q q 0 0 0 rg BT 138.17 586.10 Td (it ) Tj ET Q q 0 0 0 rg BT 146.44 586.10 Td (may ) Tj ET Q q 0 0 0 rg BT 166.37 586.10 Td (not ) Tj ET Q q 0 0 0 rg BT 181.87 586.10 Td (be ) Tj ET Q q 0 0 0 rg BT 194.02 586.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 229.51 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 240.00 586.10 Td (replace ) Tj ET Q q 0 0 0 rg BT 271.58 586.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 305.96 586.10 Td (models ) Tj ET Q q 0 0 0 rg BT 337.56 586.10 Td (quickly ) Tj ET Q q 0 0 0 rg BT 370.27 586.10 Td (enough ) Tj ET Q q 0 0 0 rg BT 402.43 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 412.92 586.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 441.73 586.10 Td (that ) Tj ET Q q 0 0 0 rg BT 459.44 586.10 Td (they ) Tj ET Q q 0 0 0 rg BT 479.38 586.10 Td (will ) Tj ET Q q 0 0 0 rg BT 497.65 586.10 Td (always ) Tj ET Q q 0 0 0 rg BT 528.13 586.10 Td (properly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (account ) Tj ET Q q 0 0 0 rg BT 83.59 574.10 Td (for ) Tj ET Q q 0 0 0 rg BT 97.75 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 112.47 574.10 Td (impacts ) Tj ET Q q 0 0 0 rg BT 146.07 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 156.90 574.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 183.83 574.10 Td (information ) Tj ET Q q 0 0 0 rg BT 233.54 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 250.48 574.10 Td (actions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (If ) Tj ET Q q 0 0 0 rg BT 59.84 556.10 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 119.66 556.10 Td (prove ) Tj ET Q q 0 0 0 rg BT 145.61 556.10 Td (our ) Tj ET Q q 0 0 0 rg BT 162.11 556.10 Td (models ) Tj ET Q q 0 0 0 rg BT 194.18 556.10 Td (to ) Tj ET Q q 0 0 0 rg BT 205.14 556.10 Td (be ) Tj ET Q q 0 0 0 rg BT 217.75 556.10 Td (undependable ) Tj ET Q q 0 0 0 rg BT 276.46 556.10 Td (or ) Tj ET Q q 0 0 0 rg BT 287.97 556.10 Td (not ) Tj ET Q q 0 0 0 rg BT 303.93 556.10 Td (representative ) Tj ET Q q 0 0 0 rg BT 363.19 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 374.70 556.10 Td (our ) Tj ET Q q 0 0 0 rg BT 391.21 556.10 Td (results, ) Tj ET Q q 0 0 0 rg BT 422.99 556.10 Td (then ) Tj ET Q q 0 0 0 rg BT 443.39 556.10 Td (we ) Tj ET Q q 0 0 0 rg BT 458.23 556.10 Td (may ) Tj ET Q q 0 0 0 rg BT 478.62 556.10 Td (deem ) Tj ET Q q 0 0 0 rg BT 503.46 556.10 Td (it ) Tj ET Q q 0 0 0 rg BT 512.19 556.10 Td (necessary ) Tj ET Q q 0 0 0 rg BT 554.24 556.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 85.42 544.10 Td (our ) Tj ET Q q 0 0 0 rg BT 101.41 544.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 144.61 544.10 Td (for ) Tj ET Q q 0 0 0 rg BT 158.93 544.10 Td (doubtful ) Tj ET Q q 0 0 0 rg BT 195.48 544.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 233.13 544.10 Td (in ) Tj ET Q q 0 0 0 rg BT 243.57 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.45 544.10 Td (future. ) Tj ET Q q 0 0 0 rg BT 287.49 544.10 Td (If ) Tj ET Q q 0 0 0 rg BT 296.82 544.10 Td (our ) Tj ET Q q 0 0 0 rg BT 312.81 544.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 339.35 544.10 Td (char) Tj ET Q q 0 0 0 rg BT 356.37 544.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 377.29 544.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 387.18 544.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 417.59 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 432.47 544.10 Td (assumption ) Tj ET Q q 0 0 0 rg BT 480.69 544.10 Td (used ) Tj ET Q q 0 0 0 rg BT 501.69 544.10 Td (to ) Tj ET Q q 0 0 0 rg BT 512.13 544.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 549.79 544.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (allowance, ) Tj ET Q q 0 0 0 rg BT 95.53 532.10 Td (our ) Tj ET Q q 0 0 0 rg BT 111.36 532.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 151.64 532.10 Td (for ) Tj ET Q q 0 0 0 rg BT 165.80 532.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 192.19 532.10 Td (would ) Tj ET Q q 0 0 0 rg BT 219.69 532.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 254.95 532.10 Td (and ) Tj ET Q q 0 0 0 rg BT 271.88 532.10 Td (could ) Tj ET Q q 0 0 0 rg BT 296.60 532.10 Td (result ) Tj ET Q q 0 0 0 rg BT 321.32 532.10 Td (in ) Tj ET Q q 0 0 0 rg BT 331.60 532.10 Td (a ) Tj ET Q q 0 0 0 rg BT 338.54 532.10 Td (material ) Tj ET Q q 0 0 0 rg BT 373.79 532.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 406.83 532.10 Td (ef) Tj ET Q q 0 0 0 rg BT 414.42 532.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 431.90 532.10 Td (on ) Tj ET Q q 0 0 0 rg BT 444.40 532.10 Td (us.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 514.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.60 514.10 Td (could ) Tj ET Q q 0 0 0 rg BT 91.39 514.10 Td (lose ) Tj ET Q q 0 0 0 rg BT 110.51 514.10 Td (our ) Tj ET Q q 0 0 0 rg BT 127.98 514.10 Td (access ) Tj ET Q q 0 0 0 rg BT 157.09 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 167.88 514.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 208.67 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 227.25 514.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 253.58 514.10 Td (data ) Tj ET Q q 0 0 0 rg BT 274.38 514.10 Td (sources, ) Tj ET Q q 0 0 0 rg BT 311.00 514.10 Td (which ) Tj ET Q q 0 0 0 rg BT 339.02 514.10 Td (could ) Tj ET Q q 0 0 0 rg BT 364.81 514.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 391.16 514.10 Td (us ) Tj ET Q q 0 0 0 rg BT 403.62 514.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 453.28 514.10 Td (harm ) Tj ET Q q 0 0 0 rg BT 478.53 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 497.10 514.10 Td (have ) Tj ET Q q 0 0 0 rg BT 519.55 514.10 Td (a ) Tj ET Q q 0 0 0 rg BT 527.56 514.10 Td (material ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 83.31 502.10 Td (ef) Tj ET Q q 0 0 0 rg BT 90.90 502.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 108.09 502.10 Td (on ) Tj ET Q q 0 0 0 rg BT 120.86 502.10 Td (us.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.81 502.10 Td () Tj ET Q q 0 0 0 rg BT 135.13 502.10 Td (W) Tj ET Q q 0 0 0 rg BT 143.77 502.10 Td (e ) Tj ET Q q 0 0 0 rg BT 150.42 502.10 Td (are ) Tj ET Q q 0 0 0 rg BT 164.83 502.10 Td (heavily ) Tj ET Q q 0 0 0 rg BT 196.47 502.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 239.78 502.10 Td (on ) Tj ET Q q 0 0 0 rg BT 251.98 502.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 290.85 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 307.50 502.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 332.47 502.10 Td (data ) Tj ET Q q 0 0 0 rg BT 351.33 502.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 389.09 502.10 Td (by ) Tj ET Q q 0 0 0 rg BT 401.29 502.10 Td (third ) Tj ET Q q 0 0 0 rg BT 422.39 502.10 Td (party ) Tj ET Q q 0 0 0 rg BT 445.15 502.10 Td (providers. ) Tj ET Q q 0 0 0 rg BT 487.62 502.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 505.38 502.10 Td (data ) Tj ET Q q 0 0 0 rg BT 524.25 502.10 Td (providers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (could ) Tj ET Q q 0 0 0 rg BT 73.89 490.10 Td (stop ) Tj ET Q q 0 0 0 rg BT 92.23 490.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 132.78 490.10 Td (data, ) Tj ET Q q 0 0 0 rg BT 153.61 490.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 185.83 490.10 Td (untimely) Tj ET Q q 0 0 0 rg BT 220.73 490.10 Td (, ) Tj ET Q q 0 0 0 rg BT 224.90 490.10 Td (incorrect ) Tj ET Q q 0 0 0 rg BT 262.10 490.10 Td (or ) Tj ET Q q 0 0 0 rg BT 272.10 490.10 Td (incomplete ) Tj ET Q q 0 0 0 rg BT 318.20 490.10 Td (data, ) Tj ET Q q 0 0 0 rg BT 339.02 490.10 Td (or ) Tj ET Q q 0 0 0 rg BT 349.02 490.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 383.45 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 397.33 490.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 419.00 490.10 Td (for ) Tj ET Q q 0 0 0 rg BT 432.33 490.10 Td (their ) Tj ET Q q 0 0 0 rg BT 452.33 490.10 Td (data ) Tj ET Q q 0 0 0 rg BT 470.65 490.10 Td (for ) Tj ET Q q 0 0 0 rg BT 483.98 490.10 Td (a ) Tj ET Q q 0 0 0 rg BT 490.09 490.10 Td (variety ) Tj ET Q q 0 0 0 rg BT 519.53 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 529.53 490.10 Td (reasons, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (including ) Tj ET Q q 0 0 0 rg BT 90.42 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 97.51 478.10 Td (perception ) Tj ET Q q 0 0 0 rg BT 142.37 478.10 Td (that ) Tj ET Q q 0 0 0 rg BT 160.01 478.10 Td (our ) Tj ET Q q 0 0 0 rg BT 176.00 478.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 210.32 478.10 Td (are ) Tj ET Q q 0 0 0 rg BT 225.18 478.10 Td (insecure ) Tj ET Q q 0 0 0 rg BT 261.14 478.10 Td (as ) Tj ET Q q 0 0 0 rg BT 272.12 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 279.21 478.10 Td (result ) Tj ET Q q 0 0 0 rg BT 304.08 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 315.06 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 322.15 478.10 Td (data ) Tj ET Q q 0 0 0 rg BT 341.46 478.10 Td (security ) Tj ET Q q 0 0 0 rg BT 375.77 478.10 Td (breach, ) Tj ET Q q 0 0 0 rg BT 407.56 478.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 451.31 478.10 Td (concerns ) Tj ET Q q 0 0 0 rg BT 489.50 478.10 Td (or ) Tj ET Q q 0 0 0 rg BT 500.48 478.10 Td (for ) Tj ET Q q 0 0 0 rg BT 514.79 478.10 Td (competitive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (reasons. ) Tj ET Q q 0 0 0 rg BT 84.98 466.10 Td (W) Tj ET Q q 0 0 0 rg BT 93.62 466.10 Td (e ) Tj ET Q q 0 0 0 rg BT 100.75 466.10 Td (could ) Tj ET Q q 0 0 0 rg BT 125.65 466.10 Td (also ) Tj ET Q q 0 0 0 rg BT 144.45 466.10 Td (become ) Tj ET Q q 0 0 0 rg BT 178.23 466.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 209.24 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 219.70 466.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 260.14 466.10 Td (legislative, ) Tj ET Q q 0 0 0 rg BT 306.43 466.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 350.21 466.10 Td (or ) Tj ET Q q 0 0 0 rg BT 361.23 466.10 Td (judicial ) Tj ET Q q 0 0 0 rg BT 393.91 466.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 441.03 466.10 Td (or ) Tj ET Q q 0 0 0 rg BT 452.04 466.10 Td (mandates ) Tj ET Q q 0 0 0 rg BT 492.49 466.10 Td (on ) Tj ET Q q 0 0 0 rg BT 505.18 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 520.08 466.10 Td (collection, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 92.88 454.10 Td (or ) Tj ET Q q 0 0 0 rg BT 103.55 454.10 Td (use ) Tj ET Q q 0 0 0 rg BT 119.22 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 129.88 454.10 Td (such ) Tj ET Q q 0 0 0 rg BT 150.55 454.10 Td (data, ) Tj ET Q q 0 0 0 rg BT 172.04 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 182.16 454.10 Td (particular ) Tj ET Q q 0 0 0 rg BT 222.80 454.10 Td (if ) Tj ET Q q 0 0 0 rg BT 231.25 454.10 Td (such ) Tj ET Q q 0 0 0 rg BT 251.91 454.10 Td (data ) Tj ET Q q 0 0 0 rg BT 270.91 454.10 Td (is ) Tj ET Q q 0 0 0 rg BT 279.91 454.10 Td (not ) Tj ET Q q 0 0 0 rg BT 295.03 454.10 Td (collected ) Tj ET Q q 0 0 0 rg BT 333.45 454.10 Td (by ) Tj ET Q q 0 0 0 rg BT 345.79 454.10 Td (our ) Tj ET Q q 0 0 0 rg BT 361.46 454.10 Td (providers ) Tj ET Q q 0 0 0 rg BT 401.56 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 411.67 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 418.45 454.10 Td (way ) Tj ET Q q 0 0 0 rg BT 437.45 454.10 Td (that ) Tj ET Q q 0 0 0 rg BT 454.78 454.10 Td (allows ) Tj ET Q q 0 0 0 rg BT 483.22 454.10 Td (us ) Tj ET Q q 0 0 0 rg BT 494.45 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 504.57 454.10 Td (legally ) Tj ET Q q 0 0 0 rg BT 534.11 454.10 Td (use ) Tj ET Q q 0 0 0 rg BT 549.78 454.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (data. ) Tj ET Q q 0 0 0 rg BT 71.83 442.10 Td (If ) Tj ET Q q 0 0 0 rg BT 81.17 442.10 Td (we ) Tj ET Q q 0 0 0 rg BT 95.51 442.10 Td (were ) Tj ET Q q 0 0 0 rg BT 117.62 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 128.07 442.10 Td (lose ) Tj ET Q q 0 0 0 rg BT 146.86 442.10 Td (access ) Tj ET Q q 0 0 0 rg BT 175.08 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 185.53 442.10 Td (this ) Tj ET Q q 0 0 0 rg BT 202.66 442.10 Td (external ) Tj ET Q q 0 0 0 rg BT 237.54 442.10 Td (data ) Tj ET Q q 0 0 0 rg BT 256.87 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 267.88 442.10 Td (if ) Tj ET Q q 0 0 0 rg BT 276.67 442.10 Td (our ) Tj ET Q q 0 0 0 rg BT 292.68 442.10 Td (access ) Tj ET Q q 0 0 0 rg BT 320.89 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 331.90 442.10 Td (use ) Tj ET Q q 0 0 0 rg BT 347.91 442.10 Td (were ) Tj ET Q q 0 0 0 rg BT 370.01 442.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 409.90 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 420.90 442.10 Td (were ) Tj ET Q q 0 0 0 rg BT 443.01 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 453.47 442.10 Td (become ) Tj ET Q q 0 0 0 rg BT 487.24 442.10 Td (less ) Tj ET Q q 0 0 0 rg BT 504.92 442.10 Td (economical ) Tj ET Q q 0 0 0 rg BT 553.68 442.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (desirable, ) Tj ET Q q 0 0 0 rg BT 90.70 430.10 Td (our ) Tj ET Q q 0 0 0 rg BT 106.14 430.10 Td (business ) Tj ET Q q 0 0 0 rg BT 142.14 430.10 Td (would ) Tj ET Q q 0 0 0 rg BT 169.25 430.10 Td (be ) Tj ET Q q 0 0 0 rg BT 180.80 430.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 224.55 430.10 Td (impacted, ) Tj ET Q q 0 0 0 rg BT 265.81 430.10 Td (which ) Tj ET Q q 0 0 0 rg BT 292.36 430.10 Td (would ) Tj ET Q q 0 0 0 rg BT 319.47 430.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 359.89 430.10 Td (af) Tj ET Q q 0 0 0 rg BT 367.48 430.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 384.57 430.10 Td (our ) Tj ET Q q 0 0 0 rg BT 400.01 430.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 439.88 430.10 Td (results ) Tj ET Q q 0 0 0 rg BT 468.10 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 484.65 430.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 521.74 430.10 Td (condition. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 418.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.25 418.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 94.08 418.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 126.79 418.10 Td (assurance ) Tj ET Q q 0 0 0 rg BT 167.83 418.10 Td (that ) Tj ET Q q 0 0 0 rg BT 185.00 418.10 Td (we ) Tj ET Q q 0 0 0 rg BT 198.83 418.10 Td (will ) Tj ET Q q 0 0 0 rg BT 216.56 418.10 Td (be ) Tj ET Q q 0 0 0 rg BT 228.17 418.10 Td (successful ) Tj ET Q q 0 0 0 rg BT 271.44 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 281.39 418.10 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 331.33 418.10 Td (our ) Tj ET Q q 0 0 0 rg BT 346.83 418.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 400.11 418.10 Td (with ) Tj ET Q q 0 0 0 rg BT 420.06 418.10 Td (these ) Tj ET Q q 0 0 0 rg BT 442.78 418.10 Td (external ) Tj ET Q q 0 0 0 rg BT 477.15 418.10 Td (data ) Tj ET Q q 0 0 0 rg BT 495.98 418.10 Td (source ) Tj ET Q q 0 0 0 rg BT 524.25 418.10 Td (providers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.14 406.10 Td (that ) Tj ET Q q 0 0 0 rg BT 76.95 406.10 Td (we ) Tj ET Q q 0 0 0 rg BT 90.42 406.10 Td (will ) Tj ET Q q 0 0 0 rg BT 107.78 406.10 Td (be ) Tj ET Q q 0 0 0 rg BT 119.03 406.10 Td (able ) Tj ET Q q 0 0 0 rg BT 137.50 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 147.09 406.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 183.33 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 192.92 406.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 219.73 406.10 Td (data ) Tj ET Q q 0 0 0 rg BT 238.19 406.10 Td (from ) Tj ET Q q 0 0 0 rg BT 259.44 406.10 Td (them ) Tj ET Q q 0 0 0 rg BT 281.25 406.10 Td (on ) Tj ET Q q 0 0 0 rg BT 293.06 406.10 Td (acceptable ) Tj ET Q q 0 0 0 rg BT 337.06 406.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 361.08 406.10 Td (or ) Tj ET Q q 0 0 0 rg BT 371.22 406.10 Td (at ) Tj ET Q q 0 0 0 rg BT 380.25 406.10 Td (all. ) Tj ET Q q 0 0 0 rg BT 394.56 406.10 Td (Furthermore, ) Tj ET Q q 0 0 0 rg BT 448.85 406.10 Td (we ) Tj ET Q q 0 0 0 rg BT 462.32 406.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 490.79 406.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 523.15 406.10 Td (assurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.34 394.10 Td (we ) Tj ET Q q 0 0 0 rg BT 81.35 394.10 Td (will ) Tj ET Q q 0 0 0 rg BT 99.25 394.10 Td (be ) Tj ET Q q 0 0 0 rg BT 111.04 394.10 Td (able ) Tj ET Q q 0 0 0 rg BT 130.04 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 140.17 394.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 167.51 394.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 216.50 394.10 Td (data ) Tj ET Q q 0 0 0 rg BT 235.50 394.10 Td (from ) Tj ET Q q 0 0 0 rg BT 257.29 394.10 Td (alternative ) Tj ET Q q 0 0 0 rg BT 301.83 394.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 334.17 394.10 Td (on ) Tj ET Q q 0 0 0 rg BT 346.52 394.10 Td (favorable ) Tj ET Q q 0 0 0 rg BT 386.62 394.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 411.19 394.10 Td (or ) Tj ET Q q 0 0 0 rg BT 421.86 394.10 Td (at ) Tj ET Q q 0 0 0 rg BT 431.43 394.10 Td (all ) Tj ET Q q 0 0 0 rg BT 443.77 394.10 Td (if ) Tj ET Q q 0 0 0 rg BT 452.23 394.10 Td (our ) Tj ET Q q 0 0 0 rg BT 467.91 394.10 Td (current ) Tj ET Q q 0 0 0 rg BT 498.57 394.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 530.91 394.10 Td (become ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (unavailable.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.70 364.10 Td (Company) Tj ET Q q 0 0 0 rg BT 110.74 364.10 Td (s ) Tj ET Q q 0 0 0 rg BT 117.23 364.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 154.26 364.10 Td (results ) Tj ET Q q 0 0 0 rg BT 184.09 364.10 Td (require ) Tj ET Q q 0 0 0 rg BT 216.68 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 232.06 364.10 Td (judgment ) Tj ET Q q 0 0 0 rg BT 273.55 364.10 Td (of ) Tj ET Q q 0 0 0 rg BT 284.47 364.10 Td (management, ) Tj ET Q q 0 0 0 rg BT 342.90 364.10 Td (and ) Tj ET Q q 0 0 0 rg BT 361.06 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.43 364.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 418.48 364.10 Td (could ) Tj ET Q q 0 0 0 rg BT 443.85 364.10 Td (be ) Tj ET Q q 0 0 0 rg BT 455.88 364.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 487.37 364.10 Td (to ) Tj ET Q q 0 0 0 rg BT 497.74 364.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 519.79 364.10 Td (associated ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (with ) Tj ET Q q 0 0 0 rg BT 69.94 352.10 Td (these ) Tj ET Q q 0 0 0 rg BT 93.20 352.10 Td (judgments ) Tj ET Q q 0 0 0 rg BT 138.14 352.10 Td (or ) Tj ET Q q 0 0 0 rg BT 149.19 352.10 Td (could ) Tj ET Q q 0 0 0 rg BT 174.12 352.10 Td (be ) Tj ET Q q 0 0 0 rg BT 185.71 352.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 226.17 352.10 Td (af) Tj ET Q q 0 0 0 rg BT 234.32 352.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 260.90 352.10 Td (by ) Tj ET Q q 0 0 0 rg BT 272.49 352.10 Td (the ) Tj ET Q q 0 0 0 rg BT 287.42 352.10 Td (implementation ) Tj ET Q q 0 0 0 rg BT 354.02 352.10 Td (of ) Tj ET Q q 0 0 0 rg BT 364.50 352.10 Td (new) Tj ET Q q 0 0 0 rg BT 380.80 352.10 Td (, ) Tj ET Q q 0 0 0 rg BT 385.46 352.10 Td (or ) Tj ET Q q 0 0 0 rg BT 396.50 352.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 432.54 352.10 Td (in ) Tj ET Q q 0 0 0 rg BT 443.04 352.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.97 352.10 Td (interpretation ) Tj ET Q q 0 0 0 rg BT 516.79 352.10 Td (of ) Tj ET Q q 0 0 0 rg BT 527.28 352.10 Td (existing, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 99.87 340.10 Td (principles ) Tj ET Q q 0 0 0 rg BT 144.18 340.10 Td (or ) Tj ET Q q 0 0 0 rg BT 156.82 340.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 197.80 340.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 239.89 340.10 Td (requirements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.84 340.10 Td () Tj ET Q q 0 0 0 rg BT 299.16 340.10 Td (The ) Tj ET Q q 0 0 0 rg BT 318.46 340.10 Td (preparation ) Tj ET Q q 0 0 0 rg BT 367.74 340.10 Td (of ) Tj ET Q q 0 0 0 rg BT 379.82 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 395.79 340.10 Td (Company) Tj ET Q q 0 0 0 rg BT 437.45 340.10 Td (s ) Tj ET Q q 0 0 0 rg BT 445.10 340.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 483.83 340.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 529.79 340.10 Td (requires ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (management ) Tj ET Q q 0 0 0 rg BT 104.87 328.10 Td (to ) Tj ET Q q 0 0 0 rg BT 116.43 328.10 Td (make ) Tj ET Q q 0 0 0 rg BT 141.86 328.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 182.86 328.10 Td (and ) Tj ET Q q 0 0 0 rg BT 201.07 328.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 254.30 328.10 Td (that ) Tj ET Q q 0 0 0 rg BT 273.08 328.10 Td (af) Tj ET Q q 0 0 0 rg BT 280.67 328.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 299.43 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 315.43 328.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 352.52 328.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 390.19 328.10 Td (of ) Tj ET Q q 0 0 0 rg BT 402.30 328.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 429.41 328.10 Td (and ) Tj ET Q q 0 0 0 rg BT 447.63 328.10 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 491.13 328.10 Td (and ) Tj ET Q q 0 0 0 rg BT 509.35 328.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 553.67 328.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (contingent ) Tj ET Q q 0 0 0 rg BT 95.31 316.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 121.74 316.10 Td (and ) Tj ET Q q 0 0 0 rg BT 139.27 316.10 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 182.09 316.10 Td (at ) Tj ET Q q 0 0 0 rg BT 192.40 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 207.72 316.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 231.36 316.10 Td (of ) Tj ET Q q 0 0 0 rg BT 242.79 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.11 316.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 311.75 316.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 349.83 316.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 395.14 316.10 Td (and ) Tj ET Q q 0 0 0 rg BT 412.67 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 427.99 316.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 464.40 316.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 501.39 316.10 Td (of ) Tj ET Q q 0 0 0 rg BT 512.81 316.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 547.56 316.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 88.98 304.10 Td (during ) Tj ET Q q 0 0 0 rg BT 117.96 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 133.06 304.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 172.59 304.10 Td (periods. ) Tj ET Q q 0 0 0 rg BT 207.41 304.10 Td (In ) Tj ET Q q 0 0 0 rg BT 218.62 304.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 256.77 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 271.87 304.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 313.63 304.10 Td (prepares ) Tj ET Q q 0 0 0 rg BT 350.38 304.10 Td (its ) Tj ET Q q 0 0 0 rg BT 362.70 304.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 400.56 304.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 445.65 304.10 Td (in ) Tj ET Q q 0 0 0 rg BT 456.31 304.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 504.15 304.10 Td (with ) Tj ET Q q 0 0 0 rg BT 524.80 304.10 Td (generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (accepted ) Tj ET Q q 0 0 0 rg BT 86.71 292.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 132.33 292.10 Td (principles ) Tj ET Q q 0 0 0 rg BT 173.50 292.10 Td (\(GAAP\), ) Tj ET Q q 0 0 0 rg BT 220.51 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 236.69 292.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 263.54 292.10 Td ( ) Tj ET Q q 0 0 0 rg BT 265.29 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 281.47 292.10 Td (its ) Tj ET Q q 0 0 0 rg BT 292.66 292.10 Td (interpretations ) Tj ET Q q 0 0 0 rg BT 352.16 292.10 Td (are ) Tj ET Q q 0 0 0 rg BT 366.11 292.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 396.18 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 405.70 292.10 Td (change ) Tj ET Q q 0 0 0 rg BT 435.75 292.10 Td (over ) Tj ET Q q 0 0 0 rg BT 455.26 292.10 Td (time. ) Tj ET Q q 0 0 0 rg BT 477.28 292.10 Td (If ) Tj ET Q q 0 0 0 rg BT 485.68 292.10 Td (new ) Tj ET Q q 0 0 0 rg BT 504.08 292.10 Td (rules, ) Tj ET Q q 0 0 0 rg BT 527.77 292.10 Td (dif) Tj ET Q q 0 0 0 rg BT 538.69 292.10 Td (ferent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (judgments, ) Tj ET Q q 0 0 0 rg BT 97.17 280.10 Td (or ) Tj ET Q q 0 0 0 rg BT 108.50 280.10 Td (interpretations ) Tj ET Q q 0 0 0 rg BT 169.26 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 180.59 280.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 215.25 280.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 237.69 280.10 Td (require ) Tj ET Q q 0 0 0 rg BT 269.01 280.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.22 280.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 326.11 280.10 Td (to ) Tj ET Q q 0 0 0 rg BT 336.89 280.10 Td (change ) Tj ET Q q 0 0 0 rg BT 368.21 280.10 Td (its ) Tj ET Q q 0 0 0 rg BT 380.65 280.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 418.64 280.10 Td (reporting, ) Tj ET Q q 0 0 0 rg BT 460.79 280.10 Td (the ) Tj ET Q q 0 0 0 rg BT 476.01 280.10 Td (Company) Tj ET Q q 0 0 0 rg BT 517.67 280.10 Td (s ) Tj ET Q q 0 0 0 rg BT 524.57 280.10 Td (results ) Tj ET Q q 0 0 0 rg BT 553.67 280.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 93.81 268.10 Td (and ) Tj ET Q q 0 0 0 rg BT 110.39 268.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 147.52 268.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 187.45 268.10 Td (could ) Tj ET Q q 0 0 0 rg BT 211.81 268.10 Td (be ) Tj ET Q q 0 0 0 rg BT 223.40 268.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 266.09 268.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 306.55 268.10 Td (af) Tj ET Q q 0 0 0 rg BT 314.14 268.10 Td (fected, ) Tj ET Q q 0 0 0 rg BT 343.22 268.10 Td (and ) Tj ET Q q 0 0 0 rg BT 359.80 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 374.17 268.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 415.21 268.10 Td (could ) Tj ET Q q 0 0 0 rg BT 439.57 268.10 Td (be ) Tj ET Q q 0 0 0 rg BT 451.16 268.10 Td (required ) Tj ET Q q 0 0 0 rg BT 486.63 268.10 Td (to ) Tj ET Q q 0 0 0 rg BT 496.56 268.10 Td (restate ) Tj ET Q q 0 0 0 rg BT 524.80 268.10 Td (historical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.48 256.10 Td (reporting.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (An ) Tj ET Q q 0 0 0 rg BT 65.20 238.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 107.61 238.10 Td (downturn ) Tj ET Q q 0 0 0 rg BT 150.60 238.10 Td (or ) Tj ET Q q 0 0 0 rg BT 162.46 238.10 Td (other ) Tj ET Q q 0 0 0 rg BT 187.10 238.10 Td (events ) Tj ET Q q 0 0 0 rg BT 215.62 238.10 Td (may ) Tj ET Q q 0 0 0 rg BT 235.81 238.10 Td (af) Tj ET Q q 0 0 0 rg BT 243.96 238.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 261.91 238.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 305.44 238.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 350.09 238.10 Td (from ) Tj ET Q q 0 0 0 rg BT 373.06 238.10 Td (us ) Tj ET Q q 0 0 0 rg BT 385.48 238.10 Td (as ) Tj ET Q q 0 0 0 rg BT 397.34 238.10 Td (well ) Tj ET Q q 0 0 0 rg BT 416.98 238.10 Td (as ) Tj ET Q q 0 0 0 rg BT 428.84 238.10 Td (their ) Tj ET Q q 0 0 0 rg BT 451.26 238.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 479.78 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 490.53 238.10 Td (repay ) Tj ET Q q 0 0 0 rg BT 516.27 238.10 Td (their ) Tj ET Q q 0 0 0 rg BT 538.69 238.10 Td (credit ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 97.12 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 106.45 226.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 119.96 226.10 Td (which ) Tj ET Q q 0 0 0 rg BT 146.52 226.10 Td (could ) Tj ET Q q 0 0 0 rg BT 170.86 226.10 Td (result ) Tj ET Q q 0 0 0 rg BT 195.75 226.10 Td (in ) Tj ET Q q 0 0 0 rg BT 205.65 226.10 Td (a ) Tj ET Q q 0 0 0 rg BT 212.20 226.10 Td (material ) Tj ET Q q 0 0 0 rg BT 248.20 226.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 280.85 226.10 Td (ef) Tj ET Q q 0 0 0 rg BT 288.44 226.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 304.98 226.10 Td (on ) Tj ET Q q 0 0 0 rg BT 317.09 226.10 Td (us.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.05 226.10 Td (Many ) Tj ET Q q 0 0 0 rg BT 356.43 226.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 385.19 226.10 Td (af) Tj ET Q q 0 0 0 rg BT 392.78 226.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 409.32 226.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 449.75 226.10 Td (spending, ) Tj ET Q q 0 0 0 rg BT 489.91 226.10 Td (including ) Tj ET Q q 0 0 0 rg BT 529.24 226.10 Td (regional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (or ) Tj ET Q q 0 0 0 rg BT 61.28 214.10 Td (world ) Tj ET Q q 0 0 0 rg BT 87.56 214.10 Td (events, ) Tj ET Q q 0 0 0 rg BT 118.55 214.10 Td (war) Tj ET Q q 0 0 0 rg BT 133.14 214.10 Td (, ) Tj ET Q q 0 0 0 rg BT 138.59 214.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 183.20 214.10 Td (in ) Tj ET Q q 0 0 0 rg BT 193.93 214.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 231.86 214.10 Td (markets, ) Tj ET Q q 0 0 0 rg BT 268.96 214.10 Td (general ) Tj ET Q q 0 0 0 rg BT 301.33 214.10 Td (business ) Tj ET Q q 0 0 0 rg BT 338.17 214.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 385.29 214.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 417.67 214.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 441.99 214.10 Td (inflation, ) Tj ET Q q 0 0 0 rg BT 481.32 214.10 Td (ener) Tj ET Q q 0 0 0 rg BT 498.35 214.10 Td (gy ) Tj ET Q q 0 0 0 rg BT 511.30 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 528.69 214.10 Td (gasoline ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (prices, ) Tj ET Q q 0 0 0 rg BT 78.77 202.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 120.04 202.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 139.65 202.10 Td (levels, ) Tj ET Q q 0 0 0 rg BT 167.87 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 182.48 202.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 229.85 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 240.58 202.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 281.85 202.10 Td (credit, ) Tj ET Q q 0 0 0 rg BT 309.50 202.10 Td (taxation, ) Tj ET Q q 0 0 0 rg BT 346.61 202.10 Td (unemployment ) Tj ET Q q 0 0 0 rg BT 408.99 202.10 Td (trends ) Tj ET Q q 0 0 0 rg BT 435.82 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 452.65 202.10 Td (other ) Tj ET Q q 0 0 0 rg BT 475.59 202.10 Td (matters ) Tj ET Q q 0 0 0 rg BT 507.42 202.10 Td (that ) Tj ET Q q 0 0 0 rg BT 524.80 202.10 Td (influence ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 91.63 190.10 Td (confidence. ) Tj ET Q q 0 0 0 rg BT 140.75 190.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 184.61 190.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 226.80 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 237.88 190.10 Td (our ) Tj ET Q q 0 0 0 rg BT 253.97 190.10 Td (products ) Tj ET Q q 0 0 0 rg BT 291.16 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 308.36 190.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 351.66 190.10 Td (making ) Tj ET Q q 0 0 0 rg BT 384.41 190.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 425.49 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 436.02 190.10 Td (us ) Tj ET Q q 0 0 0 rg BT 447.67 190.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 479.30 190.10 Td (during ) Tj ET Q q 0 0 0 rg BT 508.16 190.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 540.36 190.10 Td (when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (disposable ) Tj ET Q q 0 0 0 rg BT 95.49 178.10 Td (income ) Tj ET Q q 0 0 0 rg BT 128.21 178.10 Td (is ) Tj ET Q q 0 0 0 rg BT 138.15 178.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 164.20 178.10 Td (or ) Tj ET Q q 0 0 0 rg BT 175.81 178.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 208.52 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 220.13 178.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 247.28 178.10 Td (or ) Tj ET Q q 0 0 0 rg BT 258.89 178.10 Td (perceived ) Tj ET Q q 0 0 0 rg BT 301.03 178.10 Td (unfavorable ) Tj ET Q q 0 0 0 rg BT 352.06 178.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 394.21 178.10 Td (conditions. ) Tj ET Q q 0 0 0 rg BT 441.65 178.10 Td (Recent ) Tj ET Q q 0 0 0 rg BT 472.70 178.10 Td (instability ) Tj ET Q q 0 0 0 rg BT 515.97 178.10 Td (in ) Tj ET Q q 0 0 0 rg BT 527.03 178.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (markets, ) Tj ET Q q 0 0 0 rg BT 85.91 166.10 Td (turmoil ) Tj ET Q q 0 0 0 rg BT 117.11 166.10 Td (in ) Tj ET Q q 0 0 0 rg BT 126.65 166.10 Td (Europe, ) Tj ET Q q 0 0 0 rg BT 159.79 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 173.76 166.10 Td (Middle ) Tj ET Q q 0 0 0 rg BT 204.40 166.10 Td (East ) Tj ET Q q 0 0 0 rg BT 223.38 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 239.19 166.10 Td (Asia, ) Tj ET Q q 0 0 0 rg BT 261.77 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 277.97 166.10 Td (decreases ) Tj ET Q q 0 0 0 rg BT 318.03 166.10 Td (in ) Tj ET Q q 0 0 0 rg BT 327.57 166.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 368.21 166.10 Td (confidence ) Tj ET Q q 0 0 0 rg BT 413.83 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 430.02 166.10 Td (volatile ) Tj ET Q q 0 0 0 rg BT 461.77 166.10 Td (oil ) Tj ET Q q 0 0 0 rg BT 474.08 166.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 499.72 166.10 Td (have ) Tj ET Q q 0 0 0 rg BT 520.35 166.10 Td (negatively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (impacted ) Tj ET Q q 0 0 0 rg BT 88.60 154.10 Td (our ) Tj ET Q q 0 0 0 rg BT 103.89 154.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 137.50 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 153.89 154.10 Td (may ) Tj ET Q q 0 0 0 rg BT 173.06 154.10 Td (present ) Tj ET Q q 0 0 0 rg BT 203.90 154.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 248.06 154.10 Td (challenges ) Tj ET Q q 0 0 0 rg BT 292.22 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 301.95 154.10 Td (our ) Tj ET Q q 0 0 0 rg BT 317.24 154.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 360.85 154.10 Td (in ) Tj ET Q q 0 0 0 rg BT 370.58 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 384.75 154.10 Td (future. ) Tj ET Q q 0 0 0 rg BT 413.08 154.10 Td (If ) Tj ET Q q 0 0 0 rg BT 421.70 154.10 Td (this ) Tj ET Q q 0 0 0 rg BT 438.10 154.10 Td (occurs, ) Tj ET Q q 0 0 0 rg BT 468.65 154.10 Td (our ) Tj ET Q q 0 0 0 rg BT 483.94 154.10 Td (net ) Tj ET Q q 0 0 0 rg BT 498.11 154.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 519.50 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 535.90 154.10 Td (results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 142.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 104.99 142.10 Td (could ) Tj ET Q q 0 0 0 rg BT 129.70 142.10 Td (decline.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (Some ) Tj ET Q q 0 0 0 rg BT 75.78 124.10 Td (of ) Tj ET Q q 0 0 0 rg BT 87.10 124.10 Td (our ) Tj ET Q q 0 0 0 rg BT 104.56 124.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 149.22 124.10 Td (may ) Tj ET Q q 0 0 0 rg BT 169.44 124.10 Td (be ) Tj ET Q q 0 0 0 rg BT 181.88 124.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 210.42 124.10 Td (immigrants ) Tj ET Q q 0 0 0 rg BT 260.65 124.10 Td (and ) Tj ET Q q 0 0 0 rg BT 279.21 124.10 Td (some ) Tj ET Q q 0 0 0 rg BT 303.32 124.10 Td (may ) Tj ET Q q 0 0 0 rg BT 323.54 124.10 Td (not ) Tj ET Q q 0 0 0 rg BT 339.87 124.10 Td (be ) Tj ET Q q 0 0 0 rg BT 352.31 124.10 Td (US ) Tj ET Q q 0 0 0 rg BT 368.09 124.10 Td (citizens. ) Tj ET Q q 0 0 0 rg BT 404.15 124.10 Td (Further) Tj ET Q q 0 0 0 rg BT 436.39 124.10 Td (, ) Tj ET Q q 0 0 0 rg BT 441.88 124.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 488.22 124.10 Td (from ) Tj ET Q q 0 0 0 rg BT 511.22 124.10 Td (our ) Tj ET Q q 0 0 0 rg BT 528.67 124.10 Td (nation's ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 79.70 112.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 122.19 112.10 Td (immigration ) Tj ET Q q 0 0 0 rg BT 175.24 112.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 208.27 112.10 Td (that ) Tj ET Q q 0 0 0 rg BT 226.32 112.10 Td (af) Tj ET Q q 0 0 0 rg BT 234.47 112.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 251.38 112.10 Td (states ) Tj ET Q q 0 0 0 rg BT 276.09 112.10 Td (that ) Tj ET Q q 0 0 0 rg BT 294.13 112.10 Td (share ) Tj ET Q q 0 0 0 rg BT 318.84 112.10 Td (a ) Tj ET Q q 0 0 0 rg BT 325.77 112.10 Td (border ) Tj ET Q q 0 0 0 rg BT 354.92 112.10 Td (with ) Tj ET Q q 0 0 0 rg BT 374.64 112.10 Td (Mexico ) Tj ET Q q 0 0 0 rg BT 407.11 112.10 Td (may ) Tj ET Q q 0 0 0 rg BT 426.26 112.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 469.83 112.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 499.54 112.10 Td (our ) Tj ET Q q 0 0 0 rg BT 515.92 112.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 539.51 112.10 Td (sales.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.01 112.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 100.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.37 100.10 Td (follow ) Tj ET Q q 0 0 0 rg BT 93.77 100.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 132.72 100.10 Td (identification ) Tj ET Q q 0 0 0 rg BT 188.33 100.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 234.50 100.10 Td (including ) Tj ET Q q 0 0 0 rg BT 274.57 100.10 Td (accepting ) Tj ET Q q 0 0 0 rg BT 315.17 100.10 Td (government-issued ) Tj ET Q q 0 0 0 rg BT 393.56 100.10 Td (picture ) Tj ET Q q 0 0 0 rg BT 423.62 100.10 Td (identification, ) Tj ET Q q 0 0 0 rg BT 481.73 100.10 Td (but ) Tj ET Q q 0 0 0 rg BT 496.80 100.10 Td (we ) Tj ET Q q 0 0 0 rg BT 510.76 100.10 Td (do ) Tj ET Q q 0 0 0 rg BT 523.05 100.10 Td (not ) Tj ET Q q 0 0 0 rg BT 538.13 100.10 Td (verify ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (immigration ) Tj ET Q q 0 0 0 rg BT 102.05 88.10 Td (status ) Tj ET Q q 0 0 0 rg BT 127.43 88.10 Td (of ) Tj ET Q q 0 0 0 rg BT 138.37 88.10 Td (our ) Tj ET Q q 0 0 0 rg BT 154.31 88.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 202.47 88.10 Td (If ) Tj ET Q q 0 0 0 rg BT 211.74 88.10 Td (we ) Tj ET Q q 0 0 0 rg BT 226.01 88.10 Td (or ) Tj ET Q q 0 0 0 rg BT 236.95 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 251.77 88.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 274.92 88.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 300.29 88.10 Td (of) Tj ET Q q 0 0 0 rg BT 308.44 88.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 334.93 88.10 Td (sector ) Tj ET Q q 0 0 0 rg BT 361.42 88.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 392.89 88.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 429.37 88.10 Td (publicity ) Tj ET Q q 0 0 0 rg BT 467.53 88.10 Td (around ) Tj ET Q q 0 0 0 rg BT 497.91 88.10 Td (making ) Tj ET Q q 0 0 0 rg BT 530.51 88.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 554.23 88.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (potentially ) Tj ET Q q 0 0 0 rg BT 94.91 76.10 Td (undocumented ) Tj ET Q q 0 0 0 rg BT 155.93 76.10 Td (immigrants, ) Tj ET Q q 0 0 0 rg BT 206.12 76.10 Td (it ) Tj ET Q q 0 0 0 rg BT 213.82 76.10 Td (may ) Tj ET Q q 0 0 0 rg BT 233.18 76.10 Td (draw ) Tj ET Q q 0 0 0 rg BT 255.32 76.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 297.45 76.10 Td (attention ) Tj ET Q q 0 0 0 rg BT 334.58 76.10 Td (from ) Tj ET Q q 0 0 0 rg BT 356.17 76.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 399.40 76.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 435.97 76.10 Td (or ) Tj ET Q q 0 0 0 rg BT 446.45 76.10 Td (advocacy ) Tj ET Q q 0 0 0 rg BT 486.34 76.10 Td (groups, ) Tj ET Q q 0 0 0 rg BT 518.21 76.10 Td (which ) Tj ET Q q 0 0 0 rg BT 544.79 76.10 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (harm ) Tj ET Q q 0 0 0 rg BT 73.46 64.10 Td (our ) Tj ET Q q 0 0 0 rg BT 89.71 64.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 112.06 64.10 Td (and ) Tj ET Q q 0 0 0 rg BT 129.42 64.10 Td (collections ) Tj ET Q q 0 0 0 rg BT 175.66 64.10 Td (results. ) Tj ET Q q 0 0 0 rg BT 206.97 64.10 Td (While ) Tj ET Q q 0 0 0 rg BT 234.32 64.10 Td (our ) Tj ET Q q 0 0 0 rg BT 250.57 64.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 276.25 64.10 Td (models ) Tj ET Q q 0 0 0 rg BT 308.05 64.10 Td (look ) Tj ET Q q 0 0 0 rg BT 328.75 64.10 Td (to ) Tj ET Q q 0 0 0 rg BT 339.44 64.10 Td (approve ) Tj ET Q q 0 0 0 rg BT 374.56 64.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 418.03 64.10 Td (who ) Tj ET Q q 0 0 0 rg BT 438.17 64.10 Td (have ) Tj ET Q q 0 0 0 rg BT 459.96 64.10 Td (stability ) Tj ET Q q 0 0 0 rg BT 495.10 64.10 Td (of ) Tj ET Q q 0 0 0 rg BT 506.34 64.10 Td (residency ) Tj ET Q q 0 0 0 rg BT 547.58 64.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 52.10 Td (employment, ) Tj ET Q q 0 0 0 rg BT 105.17 52.10 Td (it ) Tj ET Q q 0 0 0 rg BT 113.40 52.10 Td (is ) Tj ET Q q 0 0 0 rg BT 122.74 52.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 158.19 52.10 Td (that ) Tj ET Q q 0 0 0 rg BT 175.86 52.10 Td (a ) Tj ET Q q 0 0 0 rg BT 182.98 52.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 227.86 52.10 Td (change ) Tj ET Q q 0 0 0 rg BT 258.85 52.10 Td (in ) Tj ET Q q 0 0 0 rg BT 269.31 52.10 Td (immigration ) Tj ET Q q 0 0 0 rg BT 321.42 52.10 Td (patterns, ) Tj ET Q q 0 0 0 rg BT 358.25 52.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 392.03 52.10 Td (or ) Tj ET Q q 0 0 0 rg BT 403.03 52.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 455.68 52.10 Td (could ) Tj ET Q q 0 0 0 rg BT 480.57 52.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 505.45 52.10 Td (our ) Tj ET Q q 0 0 0 rg BT 521.46 52.10 Td (customers ) Tj ET Q endstream endobj 41 0 obj <>] /Rotate 0 /Contents 42 0 R>> endobj 42 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.55 742.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 89.97 742.10 Td (their ) Tj ET Q q 0 0 0 rg BT 111.07 742.10 Td (business ) Tj ET Q q 0 0 0 rg BT 147.74 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 168.29 742.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 182.46 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 193.56 742.10 Td (not ) Tj ET Q q 0 0 0 rg BT 209.12 742.10 Td (engage ) Tj ET Q q 0 0 0 rg BT 240.21 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 250.76 742.10 Td (business ) Tj ET Q q 0 0 0 rg BT 287.43 742.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 337.97 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 358.52 742.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 372.69 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 389.90 742.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 414.88 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 422.10 742.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 462.63 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 473.19 742.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 495.40 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 506.51 742.10 Td (an ) Tj ET Q q 0 0 0 rg BT 518.72 742.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 554.25 742.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (account ) Tj ET Q q 0 0 0 rg BT 84.06 730.10 Td (delinquencies. ) Tj ET Q q 0 0 0 rg BT 144.50 730.10 Td (Further) Tj ET Q q 0 0 0 rg BT 173.54 730.10 Td (, ) Tj ET Q q 0 0 0 rg BT 179.00 730.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 221.40 730.10 Td (political ) Tj ET Q q 0 0 0 rg BT 257.13 730.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 302.30 730.10 Td (coming ) Tj ET Q q 0 0 0 rg BT 335.26 730.10 Td (from ) Tj ET Q q 0 0 0 rg BT 357.66 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 373.96 730.10 Td (nation's ) Tj ET Q q 0 0 0 rg BT 407.61 730.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 437.22 730.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 478.50 730.10 Td (immigration ) Tj ET Q q 0 0 0 rg BT 530.90 730.10 Td (policies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.28 718.10 Td (af) Tj ET Q q 0 0 0 rg BT 74.87 718.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 92.13 718.10 Td (states ) Tj ET Q q 0 0 0 rg BT 116.63 718.10 Td (that ) Tj ET Q q 0 0 0 rg BT 133.91 718.10 Td (share ) Tj ET Q q 0 0 0 rg BT 157.29 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 164.01 718.10 Td (border ) Tj ET Q q 0 0 0 rg BT 192.40 718.10 Td (with ) Tj ET Q q 0 0 0 rg BT 212.46 718.10 Td (Mexico ) Tj ET Q q 0 0 0 rg BT 245.29 718.10 Td (may ) Tj ET Q q 0 0 0 rg BT 264.79 718.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 301.50 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 311.56 718.10 Td (create ) Tj ET Q q 0 0 0 rg BT 337.71 718.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 359.43 718.10 Td (challenges ) Tj ET Q q 0 0 0 rg BT 403.91 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 420.63 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 430.70 718.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 474.63 718.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 504.12 718.10 Td (our ) Tj ET Q q 0 0 0 rg BT 519.74 718.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 542.56 718.10 Td (sales ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.17 706.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 85.88 706.10 Td (along ) Tj ET Q q 0 0 0 rg BT 110.49 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 125.09 706.10 Td (Mexican ) Tj ET Q q 0 0 0 rg BT 162.47 706.10 Td (border) Tj ET Q q 0 0 0 rg BT 188.01 706.10 Td (. ) Tj ET Q q 0 0 0 rg BT 192.73 706.10 Td (There ) Tj ET Q q 0 0 0 rg BT 218.43 706.10 Td (is ) Tj ET Q q 0 0 0 rg BT 227.49 706.10 Td (no ) Tj ET Q q 0 0 0 rg BT 239.88 706.10 Td (assurance ) Tj ET Q q 0 0 0 rg BT 281.13 706.10 Td (that ) Tj ET Q q 0 0 0 rg BT 298.51 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 305.34 706.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 349.94 706.10 Td (change ) Tj ET Q q 0 0 0 rg BT 380.64 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 390.81 706.10 Td (US ) Tj ET Q q 0 0 0 rg BT 405.98 706.10 Td (immigration ) Tj ET Q q 0 0 0 rg BT 457.81 706.10 Td (patterns, ) Tj ET Q q 0 0 0 rg BT 494.35 706.10 Td (laws, ) Tj ET Q q 0 0 0 rg BT 517.57 706.10 Td (regulations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.83 694.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 113.30 694.10 Td (will ) Tj ET Q q 0 0 0 rg BT 131.36 694.10 Td (not ) Tj ET Q q 0 0 0 rg BT 146.64 694.10 Td (occur) Tj ET Q q 0 0 0 rg BT 168.44 694.10 Td (, ) Tj ET Q q 0 0 0 rg BT 173.44 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 190.38 694.10 Td (any ) Tj ET Q q 0 0 0 rg BT 207.32 694.10 Td (such ) Tj ET Q q 0 0 0 rg BT 228.15 694.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 272.86 694.10 Td (change ) Tj ET Q q 0 0 0 rg BT 303.68 694.10 Td (could ) Tj ET Q q 0 0 0 rg BT 328.39 694.10 Td (have ) Tj ET Q q 0 0 0 rg BT 349.77 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 356.71 694.10 Td (material ) Tj ET Q q 0 0 0 rg BT 391.97 694.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 425.00 694.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 454.72 694.10 Td (on ) Tj ET Q q 0 0 0 rg BT 467.22 694.10 Td (us.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (If ) Tj ET Q q 0 0 0 rg BT 59.49 676.10 Td (we ) Tj ET Q q 0 0 0 rg BT 72.86 676.10 Td (lose ) Tj ET Q q 0 0 0 rg BT 91.24 676.10 Td (key ) Tj ET Q q 0 0 0 rg BT 107.38 676.10 Td (management ) Tj ET Q q 0 0 0 rg BT 162.99 676.10 Td (or ) Tj ET Q q 0 0 0 rg BT 174.14 676.10 Td (are ) Tj ET Q q 0 0 0 rg BT 189.74 676.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 220.35 676.10 Td (to ) Tj ET Q q 0 0 0 rg BT 230.39 676.10 Td (attract ) Tj ET Q q 0 0 0 rg BT 259.33 676.10 Td (and ) Tj ET Q q 0 0 0 rg BT 277.15 676.10 Td (retain ) Tj ET Q q 0 0 0 rg BT 303.87 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 318.92 676.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 357.85 676.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 380.11 676.10 Td (and ) Tj ET Q q 0 0 0 rg BT 397.94 676.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 423.54 676.10 Td (granting ) Tj ET Q q 0 0 0 rg BT 461.37 676.10 Td (and ) Tj ET Q q 0 0 0 rg BT 479.20 676.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 521.46 676.10 Td (personnel ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (required ) Tj ET Q q 0 0 0 rg BT 86.76 664.10 Td (for ) Tj ET Q q 0 0 0 rg BT 100.74 664.10 Td (our ) Tj ET Q q 0 0 0 rg BT 116.95 664.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 156.23 664.10 Td (our ) Tj ET Q q 0 0 0 rg BT 172.44 664.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 213.65 664.10 Td (results ) Tj ET Q q 0 0 0 rg BT 242.64 664.10 Td (could ) Tj ET Q q 0 0 0 rg BT 267.17 664.10 Td (suf) Tj ET Q q 0 0 0 rg BT 279.78 664.10 Td (fer) Tj ET Q q 0 0 0 rg BT 290.89 664.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.39 664.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 313.20 664.10 Td (success ) Tj ET Q q 0 0 0 rg BT 344.95 664.10 Td (depends ) Tj ET Q q 0 0 0 rg BT 379.47 664.10 Td (to ) Tj ET Q q 0 0 0 rg BT 389.01 664.10 Td (a ) Tj ET Q q 0 0 0 rg BT 395.21 664.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 439.18 664.10 Td (degree ) Tj ET Q q 0 0 0 rg BT 467.59 664.10 Td (on ) Tj ET Q q 0 0 0 rg BT 479.34 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 493.32 664.10 Td (skills, ) Tj ET Q q 0 0 0 rg BT 518.70 664.10 Td (experience ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.04 652.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 109.07 652.10 Td (service ) Tj ET Q q 0 0 0 rg BT 139.98 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 150.90 652.10 Td (our ) Tj ET Q q 0 0 0 rg BT 166.83 652.10 Td (key ) Tj ET Q q 0 0 0 rg BT 183.87 652.10 Td (executives ) Tj ET Q q 0 0 0 rg BT 228.67 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 245.70 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 260.51 652.10 Td (identification ) Tj ET Q q 0 0 0 rg BT 316.43 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 327.35 652.10 Td (suitable ) Tj ET Q q 0 0 0 rg BT 361.05 652.10 Td (successors ) Tj ET Q q 0 0 0 rg BT 405.86 652.10 Td (for ) Tj ET Q q 0 0 0 rg BT 420.12 652.10 Td (them. ) Tj ET Q q 0 0 0 rg BT 445.02 652.10 Td (While ) Tj ET Q q 0 0 0 rg BT 472.05 652.10 Td (our ) Tj ET Q q 0 0 0 rg BT 487.98 652.10 Td (key ) Tj ET Q q 0 0 0 rg BT 505.01 652.10 Td (executives ) Tj ET Q q 0 0 0 rg BT 549.81 652.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 80.14 640.10 Td (to ) Tj ET Q q 0 0 0 rg BT 89.74 640.10 Td (non-competition ) Tj ET Q q 0 0 0 rg BT 157.66 640.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 203.91 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 220.16 640.10 Td (other ) Tj ET Q q 0 0 0 rg BT 242.53 640.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 278.22 640.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 324.46 640.10 Td (covenants, ) Tj ET Q q 0 0 0 rg BT 368.76 640.10 Td (if ) Tj ET Q q 0 0 0 rg BT 376.68 640.10 Td (we ) Tj ET Q q 0 0 0 rg BT 390.16 640.10 Td (lose ) Tj ET Q q 0 0 0 rg BT 408.09 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 422.12 640.10 Td (services ) Tj ET Q q 0 0 0 rg BT 456.15 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 466.30 640.10 Td (any ) Tj ET Q q 0 0 0 rg BT 482.55 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 492.70 640.10 Td (these ) Tj ET Q q 0 0 0 rg BT 515.07 640.10 Td (individuals, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.90 628.10 Td (if ) Tj ET Q q 0 0 0 rg BT 69.58 628.10 Td (one ) Tj ET Q q 0 0 0 rg BT 86.59 628.10 Td (or ) Tj ET Q q 0 0 0 rg BT 97.49 628.10 Td (more ) Tj ET Q q 0 0 0 rg BT 120.60 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 131.50 628.10 Td (them ) Tj ET Q q 0 0 0 rg BT 154.07 628.10 Td (or ) Tj ET Q q 0 0 0 rg BT 164.97 628.10 Td (other ) Tj ET Q q 0 0 0 rg BT 188.08 628.10 Td (key ) Tj ET Q q 0 0 0 rg BT 205.09 628.10 Td (personnel ) Tj ET Q q 0 0 0 rg BT 246.54 628.10 Td (decide ) Tj ET Q q 0 0 0 rg BT 275.20 628.10 Td (to ) Tj ET Q q 0 0 0 rg BT 285.55 628.10 Td (join ) Tj ET Q q 0 0 0 rg BT 303.68 628.10 Td (a ) Tj ET Q q 0 0 0 rg BT 310.69 628.10 Td (competitor ) Tj ET Q q 0 0 0 rg BT 356.58 628.10 Td (or ) Tj ET Q q 0 0 0 rg BT 367.48 628.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 408.92 628.10 Td (compete ) Tj ET Q q 0 0 0 rg BT 445.36 628.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 478.48 628.10 Td (or ) Tj ET Q q 0 0 0 rg BT 489.38 628.10 Td (indirectly ) Tj ET Q q 0 0 0 rg BT 530.27 628.10 Td (with ) Tj ET Q q 0 0 0 rg BT 550.61 628.10 Td (us, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.95 616.10 Td (we ) Tj ET Q q 0 0 0 rg BT 81.12 616.10 Td (are ) Tj ET Q q 0 0 0 rg BT 95.84 616.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 125.01 616.10 Td (to ) Tj ET Q q 0 0 0 rg BT 135.30 616.10 Td (identify ) Tj ET Q q 0 0 0 rg BT 168.92 616.10 Td (a ) Tj ET Q q 0 0 0 rg BT 175.87 616.10 Td (suitable ) Tj ET Q q 0 0 0 rg BT 209.48 616.10 Td (successor) Tj ET Q q 0 0 0 rg BT 247.40 616.10 Td (, ) Tj ET Q q 0 0 0 rg BT 252.41 616.10 Td (our ) Tj ET Q q 0 0 0 rg BT 268.26 616.10 Td (business ) Tj ET Q q 0 0 0 rg BT 304.66 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 321.61 616.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 365.78 616.10 Td (could ) Tj ET Q q 0 0 0 rg BT 390.51 616.10 Td (be ) Tj ET Q q 0 0 0 rg BT 402.46 616.10 Td (harmed, ) Tj ET Q q 0 0 0 rg BT 437.46 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 454.41 616.10 Td (we ) Tj ET Q q 0 0 0 rg BT 468.58 616.10 Td (could ) Tj ET Q q 0 0 0 rg BT 493.31 616.10 Td (have ) Tj ET Q q 0 0 0 rg BT 514.70 616.10 Td (dif) Tj ET Q q 0 0 0 rg BT 525.63 616.10 Td (ficulty ) Tj ET Q q 0 0 0 rg BT 554.24 616.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (implementing ) Tj ET Q q 0 0 0 rg BT 107.58 604.10 Td (our ) Tj ET Q q 0 0 0 rg BT 122.95 604.10 Td (strategy) Tj ET Q q 0 0 0 rg BT 153.96 604.10 Td (. ) Tj ET Q q 0 0 0 rg BT 158.50 604.10 Td (In ) Tj ET Q q 0 0 0 rg BT 168.86 604.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 206.17 604.10 Td (our ) Tj ET Q q 0 0 0 rg BT 221.54 604.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 243.02 604.10 Td (and ) Tj ET Q q 0 0 0 rg BT 259.49 604.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 284.30 604.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 327.99 604.10 Td (are ) Tj ET Q q 0 0 0 rg BT 342.23 604.10 Td (lar) Tj ET Q q 0 0 0 rg BT 352.60 604.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 371.85 604.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 414.98 604.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 437.02 604.10 Td (our ) Tj ET Q q 0 0 0 rg BT 452.39 604.10 Td (labor ) Tj ET Q q 0 0 0 rg BT 474.97 604.10 Td (force. ) Tj ET Q q 0 0 0 rg BT 499.60 604.10 Td (As ) Tj ET Q q 0 0 0 rg BT 512.75 604.10 Td (our ) Tj ET Q q 0 0 0 rg BT 528.12 604.10 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (grows, ) Tj ET Q q 0 0 0 rg BT 79.68 592.10 Td (and ) Tj ET Q q 0 0 0 rg BT 96.85 592.10 Td (as ) Tj ET Q q 0 0 0 rg BT 107.91 592.10 Td (we ) Tj ET Q q 0 0 0 rg BT 122.31 592.10 Td (incur ) Tj ET Q q 0 0 0 rg BT 145.59 592.10 Td (turnover ) Tj ET Q q 0 0 0 rg BT 182.20 592.10 Td (in ) Tj ET Q q 0 0 0 rg BT 192.71 592.10 Td (current ) Tj ET Q q 0 0 0 rg BT 223.76 592.10 Td (positions, ) Tj ET Q q 0 0 0 rg BT 265.11 592.10 Td (we ) Tj ET Q q 0 0 0 rg BT 279.50 592.10 Td (will ) Tj ET Q q 0 0 0 rg BT 297.79 592.10 Td (need ) Tj ET Q q 0 0 0 rg BT 319.40 592.10 Td (to ) Tj ET Q q 0 0 0 rg BT 329.91 592.10 Td (locate, ) Tj ET Q q 0 0 0 rg BT 359.02 592.10 Td (hire ) Tj ET Q q 0 0 0 rg BT 377.30 592.10 Td (and ) Tj ET Q q 0 0 0 rg BT 394.47 592.10 Td (retain ) Tj ET Q q 0 0 0 rg BT 419.97 592.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 462.69 592.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 500.97 592.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 523.14 592.10 Td (personnel ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.47 580.10 Td (a ) Tj ET Q q 0 0 0 rg BT 65.61 580.10 Td (timely ) Tj ET Q q 0 0 0 rg BT 92.85 580.10 Td (manner ) Tj ET Q q 0 0 0 rg BT 124.53 580.10 Td (and ) Tj ET Q q 0 0 0 rg BT 140.66 580.10 Td (develop, ) Tj ET Q q 0 0 0 rg BT 176.51 580.10 Td (train ) Tj ET Q q 0 0 0 rg BT 196.53 580.10 Td (and ) Tj ET Q q 0 0 0 rg BT 212.67 580.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 245.45 580.10 Td (an ) Tj ET Q q 0 0 0 rg BT 256.59 580.10 Td (increasing ) Tj ET Q q 0 0 0 rg BT 299.38 580.10 Td (number ) Tj ET Q q 0 0 0 rg BT 331.62 580.10 Td (of ) Tj ET Q q 0 0 0 rg BT 341.64 580.10 Td (management ) Tj ET Q q 0 0 0 rg BT 394.42 580.10 Td (level ) Tj ET Q q 0 0 0 rg BT 415.55 580.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 436.68 580.10 Td (associates ) Tj ET Q q 0 0 0 rg BT 478.36 580.10 Td (and ) Tj ET Q q 0 0 0 rg BT 494.50 580.10 Td (other ) Tj ET Q q 0 0 0 rg BT 516.74 580.10 Td (employees. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 99.90 568.10 Td (, ) Tj ET Q q 0 0 0 rg BT 104.48 568.10 Td (if ) Tj ET Q q 0 0 0 rg BT 112.67 568.10 Td (we ) Tj ET Q q 0 0 0 rg BT 126.41 568.10 Td (are ) Tj ET Q q 0 0 0 rg BT 140.69 568.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 169.43 568.10 Td (to ) Tj ET Q q 0 0 0 rg BT 179.29 568.10 Td (attract ) Tj ET Q q 0 0 0 rg BT 206.35 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 222.86 568.10 Td (retain ) Tj ET Q q 0 0 0 rg BT 247.71 568.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 285.33 568.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 310.17 568.10 Td (granting ) Tj ET Q q 0 0 0 rg BT 345.57 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 362.09 568.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 403.60 568.10 Td (personnel, ) Tj ET Q q 0 0 0 rg BT 447.06 568.10 Td (our ) Tj ET Q q 0 0 0 rg BT 462.46 568.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 490.10 568.10 Td (to ) Tj ET Q q 0 0 0 rg BT 499.95 568.10 Td (perform ) Tj ET Q q 0 0 0 rg BT 534.24 568.10 Td (quality ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 104.95 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 116.58 556.10 Td (new ) Tj ET Q q 0 0 0 rg BT 136.54 556.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 162.60 556.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 213.66 556.10 Td (and ) Tj ET Q q 0 0 0 rg BT 231.40 556.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 269.69 556.10 Td (workloads ) Tj ET Q q 0 0 0 rg BT 314.65 556.10 Td (for ) Tj ET Q q 0 0 0 rg BT 329.61 556.10 Td (our ) Tj ET Q q 0 0 0 rg BT 346.24 556.10 Td (collections ) Tj ET Q q 0 0 0 rg BT 392.85 556.10 Td (personnel ) Tj ET Q q 0 0 0 rg BT 435.03 556.10 Td (at ) Tj ET Q q 0 0 0 rg BT 445.54 556.10 Td (a ) Tj ET Q q 0 0 0 rg BT 453.28 556.10 Td (manageable ) Tj ET Q q 0 0 0 rg BT 504.33 556.10 Td (level ) Tj ET Q q 0 0 0 rg BT 527.06 556.10 Td (could ) Tj ET Q q 0 0 0 rg BT 552.58 556.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 92.77 544.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 133.32 544.10 Td (af) Tj ET Q q 0 0 0 rg BT 140.90 544.10 Td (fected, ) Tj ET Q q 0 0 0 rg BT 170.06 544.10 Td (and ) Tj ET Q q 0 0 0 rg BT 186.73 544.10 Td (our ) Tj ET Q q 0 0 0 rg BT 202.29 544.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 246.18 544.10 Td (could ) Tj ET Q q 0 0 0 rg BT 270.63 544.10 Td (be ) Tj ET Q q 0 0 0 rg BT 282.29 544.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 325.06 544.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 365.61 544.10 Td (impacted, ) Tj ET Q q 0 0 0 rg BT 406.99 544.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 444.22 544.10 Td (in ) Tj ET Q q 0 0 0 rg BT 454.23 544.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 482.01 544.10 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 533.11 544.10 Td (and ) Tj ET Q q 0 0 0 rg BT 549.78 544.10 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (char) Tj ET Q q 0 0 0 rg BT 67.03 532.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 87.94 532.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 97.93 532.10 Td (on ) Tj ET Q q 0 0 0 rg BT 110.69 532.10 Td (our ) Tj ET Q q 0 0 0 rg BT 126.79 532.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 152.31 532.10 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 192.57 532.10 Td (Competition ) Tj ET Q q 0 0 0 rg BT 245.34 532.10 Td (for ) Tj ET Q q 0 0 0 rg BT 259.76 532.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 298.07 532.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 343.59 532.10 Td (could ) Tj ET Q q 0 0 0 rg BT 368.57 532.10 Td (require ) Tj ET Q q 0 0 0 rg BT 399.65 532.10 Td (us ) Tj ET Q q 0 0 0 rg BT 411.31 532.10 Td (to ) Tj ET Q q 0 0 0 rg BT 421.85 532.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 439.05 532.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 467.36 532.10 Td (wages, ) Tj ET Q q 0 0 0 rg BT 497.62 532.10 Td (and ) Tj ET Q q 0 0 0 rg BT 514.82 532.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 554.23 532.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.40 520.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 94.33 520.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 135.40 520.10 Td (wage ) Tj ET Q q 0 0 0 rg BT 158.68 520.10 Td (or ) Tj ET Q q 0 0 0 rg BT 169.19 520.10 Td (other ) Tj ET Q q 0 0 0 rg BT 191.92 520.10 Td (employee ) Tj ET Q q 0 0 0 rg BT 232.97 520.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 266.81 520.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 288.99 520.10 Td (could ) Tj ET Q q 0 0 0 rg BT 313.38 520.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 348.32 520.10 Td (our ) Tj ET Q q 0 0 0 rg BT 363.83 520.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 403.77 520.10 Td (expenses. ) Tj ET Q q 0 0 0 rg BT 444.55 520.10 Td (If ) Tj ET Q q 0 0 0 rg BT 453.39 520.10 Td (we ) Tj ET Q q 0 0 0 rg BT 467.23 520.10 Td (are ) Tj ET Q q 0 0 0 rg BT 481.62 520.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 510.45 520.10 Td (to ) Tj ET Q q 0 0 0 rg BT 520.41 520.10 Td (attract ) Tj ET Q q 0 0 0 rg BT 547.57 520.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (retain ) Tj ET Q q 0 0 0 rg BT 75.26 508.10 Td (personnel ) Tj ET Q q 0 0 0 rg BT 116.64 508.10 Td (as ) Tj ET Q q 0 0 0 rg BT 127.47 508.10 Td (needed ) Tj ET Q q 0 0 0 rg BT 158.29 508.10 Td (in ) Tj ET Q q 0 0 0 rg BT 168.56 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 183.28 508.10 Td (future, ) Tj ET Q q 0 0 0 rg BT 212.16 508.10 Td (our ) Tj ET Q q 0 0 0 rg BT 227.99 508.10 Td (net ) Tj ET Q q 0 0 0 rg BT 242.71 508.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 264.64 508.10 Td (and ) Tj ET Q q 0 0 0 rg BT 281.58 508.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 321.85 508.10 Td (results ) Tj ET Q q 0 0 0 rg BT 350.45 508.10 Td (could ) Tj ET Q q 0 0 0 rg BT 375.17 508.10 Td (suf) Tj ET Q q 0 0 0 rg BT 387.21 508.10 Td (fer) Tj ET Q q 0 0 0 rg BT 397.76 508.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 490.10 Td (e ) Tj ET Q q 0 0 0 rg BT 64.84 490.10 Td (depend ) Tj ET Q q 0 0 0 rg BT 96.52 490.10 Td (on ) Tj ET Q q 0 0 0 rg BT 109.33 490.10 Td (hiring ) Tj ET Q q 0 0 0 rg BT 137.15 490.10 Td (an ) Tj ET Q q 0 0 0 rg BT 149.96 490.10 Td (adequate ) Tj ET Q q 0 0 0 rg BT 189.42 490.10 Td (number ) Tj ET Q q 0 0 0 rg BT 223.90 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 234.48 490.10 Td (hourly ) Tj ET Q q 0 0 0 rg BT 263.96 490.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 308.41 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 318.43 490.10 Td (run ) Tj ET Q q 0 0 0 rg BT 335.70 490.10 Td (our ) Tj ET Q q 0 0 0 rg BT 352.40 490.10 Td (business ) Tj ET Q q 0 0 0 rg BT 389.66 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 407.47 490.10 Td (are ) Tj ET Q q 0 0 0 rg BT 423.05 490.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 454.18 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 464.21 490.10 Td (government ) Tj ET Q q 0 0 0 rg BT 515.34 490.10 Td (regulations ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (concerning ) Tj ET Q q 0 0 0 rg BT 99.97 478.10 Td (these ) Tj ET Q q 0 0 0 rg BT 124.38 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 143.24 478.10 Td (our ) Tj ET Q q 0 0 0 rg BT 161.00 478.10 Td (other ) Tj ET Q q 0 0 0 rg BT 185.97 478.10 Td (employees, ) Tj ET Q q 0 0 0 rg BT 233.97 478.10 Td (including ) Tj ET Q q 0 0 0 rg BT 276.73 478.10 Td (wage ) Tj ET Q q 0 0 0 rg BT 301.14 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 320.00 478.10 Td (hour ) Tj ET Q q 0 0 0 rg BT 343.32 478.10 Td (regulations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.50 478.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 413.85 478.10 Td (workforce ) Tj ET Q q 0 0 0 rg BT 458.24 478.10 Td (is ) Tj ET Q q 0 0 0 rg BT 468.21 478.10 Td (comprised ) Tj ET Q q 0 0 0 rg BT 513.16 478.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 553.68 478.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 94.27 466.10 Td (who ) Tj ET Q q 0 0 0 rg BT 112.99 466.10 Td (work ) Tj ET Q q 0 0 0 rg BT 135.05 466.10 Td (on ) Tj ET Q q 0 0 0 rg BT 146.55 466.10 Td (an ) Tj ET Q q 0 0 0 rg BT 157.49 466.10 Td (hourly ) Tj ET Q q 0 0 0 rg BT 185.10 466.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 209.10 466.10 Td (In ) Tj ET Q q 0 0 0 rg BT 218.94 466.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 247.64 466.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 280.80 466.10 Td (where ) Tj ET Q q 0 0 0 rg BT 306.73 466.10 Td (we ) Tj ET Q q 0 0 0 rg BT 319.90 466.10 Td (operate, ) Tj ET Q q 0 0 0 rg BT 353.32 466.10 Td (there ) Tj ET Q q 0 0 0 rg BT 374.81 466.10 Td (is ) Tj ET Q q 0 0 0 rg BT 382.98 466.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 426.70 466.10 Td (competition ) Tj ET Q q 0 0 0 rg BT 475.97 466.10 Td (for ) Tj ET Q q 0 0 0 rg BT 489.13 466.10 Td (hourly ) Tj ET Q q 0 0 0 rg BT 516.74 466.10 Td (employees. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.41 454.10 Td (lack ) Tj ET Q q 0 0 0 rg BT 87.92 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 99.11 454.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 146.96 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 158.15 454.10 Td (an ) Tj ET Q q 0 0 0 rg BT 170.45 454.10 Td (adequate ) Tj ET Q q 0 0 0 rg BT 208.84 454.10 Td (number ) Tj ET Q q 0 0 0 rg BT 242.25 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 253.44 454.10 Td (hourly ) Tj ET Q q 0 0 0 rg BT 282.41 454.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 328.03 454.10 Td (or ) Tj ET Q q 0 0 0 rg BT 339.22 454.10 Td (an ) Tj ET Q q 0 0 0 rg BT 351.52 454.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 387.13 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 397.77 454.10 Td (wages ) Tj ET Q q 0 0 0 rg BT 425.62 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 442.92 454.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 477.44 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 488.08 454.10 Td (current ) Tj ET Q q 0 0 0 rg BT 519.25 454.10 Td (employees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (could ) Tj ET Q q 0 0 0 rg BT 74.53 442.10 Td (have ) Tj ET Q q 0 0 0 rg BT 95.73 442.10 Td (a ) Tj ET Q q 0 0 0 rg BT 102.48 442.10 Td (material ) Tj ET Q q 0 0 0 rg BT 137.55 442.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 170.41 442.10 Td (ef) Tj ET Q q 0 0 0 rg BT 178.00 442.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 195.30 442.10 Td (on ) Tj ET Q q 0 0 0 rg BT 207.61 442.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 221.15 442.10 Td (W) Tj ET Q q 0 0 0 rg BT 229.79 442.10 Td (e ) Tj ET Q q 0 0 0 rg BT 236.54 442.10 Td (are ) Tj ET Q q 0 0 0 rg BT 251.07 442.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 281.71 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 291.80 442.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 335.21 442.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 356.96 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 373.72 442.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 420.47 442.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 453.32 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 463.42 442.10 Td (our ) Tj ET Q q 0 0 0 rg BT 479.06 442.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 528.59 442.10 Td (with ) Tj ET Q q 0 0 0 rg BT 548.69 442.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (employees, ) Tj ET Q q 0 0 0 rg BT 97.59 430.10 Td (including ) Tj ET Q q 0 0 0 rg BT 137.69 430.10 Td (wage ) Tj ET Q q 0 0 0 rg BT 161.12 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 177.88 430.10 Td (hour ) Tj ET Q q 0 0 0 rg BT 198.54 430.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 247.80 430.10 Td (health ) Tj ET Q q 0 0 0 rg BT 274.56 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 291.32 430.10 Td (workers' ) Tj ET Q q 0 0 0 rg BT 327.66 430.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 385.53 430.10 Td (benefits, ) Tj ET Q q 0 0 0 rg BT 422.01 430.10 Td (unemployment ) Tj ET Q q 0 0 0 rg BT 484.33 430.10 Td (taxes, ) Tj ET Q q 0 0 0 rg BT 509.70 430.10 Td (overtime ) Tj ET Q q 0 0 0 rg BT 547.57 430.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (working ) Tj ET Q q 0 0 0 rg BT 85.52 418.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 129.37 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 145.99 418.10 Td (immigration ) Tj ET Q q 0 0 0 rg BT 197.62 418.10 Td (status. ) Tj ET Q q 0 0 0 rg BT 224.60 418.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 273.94 418.10 Td (, ) Tj ET Q q 0 0 0 rg BT 278.62 418.10 Td (legislated ) Tj ET Q q 0 0 0 rg BT 319.13 418.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 357.96 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 367.93 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.33 418.10 Td (federal, ) Tj ET Q q 0 0 0 rg BT 414.77 418.10 Td (state ) Tj ET Q q 0 0 0 rg BT 435.28 418.10 Td (or ) Tj ET Q q 0 0 0 rg BT 445.80 418.10 Td (local ) Tj ET Q q 0 0 0 rg BT 467.42 418.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 508.50 418.10 Td (wage, ) Tj ET Q q 0 0 0 rg BT 534.28 418.10 Td (as ) Tj ET Q q 0 0 0 rg BT 544.80 418.10 Td (well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (as ) Tj ET Q q 0 0 0 rg BT 59.73 406.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 97.77 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 106.95 406.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 148.34 406.10 Td (labor ) Tj ET Q q 0 0 0 rg BT 170.28 406.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 187.79 406.10 Td (components ) Tj ET Q q 0 0 0 rg BT 237.51 406.10 Td (such ) Tj ET Q q 0 0 0 rg BT 257.24 406.10 Td (as ) Tj ET Q q 0 0 0 rg BT 266.97 406.10 Td (employee ) Tj ET Q q 0 0 0 rg BT 307.24 406.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 336.40 406.10 Td (costs, ) Tj ET Q q 0 0 0 rg BT 360.30 406.10 Td (workers) Tj ET Q q 0 0 0 rg BT 395.10 406.10 Td ( ) Tj ET Q q 0 0 0 rg BT 396.49 406.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 453.43 406.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 493.15 406.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 515.92 406.10 Td (compliance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 72.50 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 89.44 394.10 Td (fines, ) Tj ET Q q 0 0 0 rg BT 113.88 394.10 Td (would ) Tj ET Q q 0 0 0 rg BT 141.38 394.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 176.63 394.10 Td (our ) Tj ET Q q 0 0 0 rg BT 192.46 394.10 Td (labor ) Tj ET Q q 0 0 0 rg BT 215.51 394.10 Td (costs, ) Tj ET Q q 0 0 0 rg BT 240.51 394.10 Td (which ) Tj ET Q q 0 0 0 rg BT 267.45 394.10 Td (could ) Tj ET Q q 0 0 0 rg BT 292.16 394.10 Td (have ) Tj ET Q q 0 0 0 rg BT 313.54 394.10 Td (a ) Tj ET Q q 0 0 0 rg BT 320.48 394.10 Td (material ) Tj ET Q q 0 0 0 rg BT 355.74 394.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 388.77 394.10 Td (ef) Tj ET Q q 0 0 0 rg BT 396.36 394.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 413.85 394.10 Td (on ) Tj ET Q q 0 0 0 rg BT 426.35 394.10 Td (us.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 376.10 Td (e ) Tj ET Q q 0 0 0 rg BT 66.90 376.10 Td (face ) Tj ET Q q 0 0 0 rg BT 88.42 376.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 136.62 376.10 Td (competition ) Tj ET Q q 0 0 0 rg BT 189.26 376.10 Td (from ) Tj ET Q q 0 0 0 rg BT 213.57 376.10 Td (national, ) Tj ET Q q 0 0 0 rg BT 254.84 376.10 Td (regional, ) Tj ET Q q 0 0 0 rg BT 296.10 376.10 Td (local ) Tj ET Q q 0 0 0 rg BT 320.41 376.10 Td (and ) Tj ET Q q 0 0 0 rg BT 340.28 376.10 Td (internet ) Tj ET Q q 0 0 0 rg BT 376.82 376.10 Td (retailers ) Tj ET Q q 0 0 0 rg BT 415.01 376.10 Td (of ) Tj ET Q q 0 0 0 rg BT 427.65 376.10 Td (furniture ) Tj ET Q q 0 0 0 rg BT 469.76 376.10 Td (and ) Tj ET Q q 0 0 0 rg BT 489.63 376.10 Td (mattresses, ) Tj ET Q q 0 0 0 rg BT 539.22 376.10 Td (home ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (appliances, ) Tj ET Q q 0 0 0 rg BT 98.62 364.10 Td (and ) Tj ET Q q 0 0 0 rg BT 116.41 364.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 159.20 364.10 Td (electronics.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.13 364.10 Td () Tj ET Q q 0 0 0 rg BT 208.45 364.10 Td (The ) Tj ET Q q 0 0 0 rg BT 226.23 364.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 249.00 364.10 Td (market ) Tj ET Q q 0 0 0 rg BT 278.99 364.10 Td (for ) Tj ET Q q 0 0 0 rg BT 292.88 364.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 333.98 364.10 Td (electronics, ) Tj ET Q q 0 0 0 rg BT 382.02 364.10 Td (furniture ) Tj ET Q q 0 0 0 rg BT 419.24 364.10 Td (and ) Tj ET Q q 0 0 0 rg BT 435.91 364.10 Td (mattresses ) Tj ET Q q 0 0 0 rg BT 479.79 364.10 Td (is ) Tj ET Q q 0 0 0 rg BT 488.69 364.10 Td (highly ) Tj ET Q q 0 0 0 rg BT 516.47 364.10 Td (fragmented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.79 352.10 Td (intensely ) Tj ET Q q 0 0 0 rg BT 105.25 352.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 154.81 352.10 Td (and ) Tj ET Q q 0 0 0 rg BT 171.60 352.10 Td (the ) Tj ET Q q 0 0 0 rg BT 186.17 352.10 Td (market ) Tj ET Q q 0 0 0 rg BT 216.28 352.10 Td (for ) Tj ET Q q 0 0 0 rg BT 230.30 352.10 Td (home ) Tj ET Q q 0 0 0 rg BT 254.87 352.10 Td (appliances ) Tj ET Q q 0 0 0 rg BT 299.42 352.10 Td (is ) Tj ET Q q 0 0 0 rg BT 308.44 352.10 Td (concentrated ) Tj ET Q q 0 0 0 rg BT 361.87 352.10 Td (among ) Tj ET Q q 0 0 0 rg BT 391.44 352.10 Td (a ) Tj ET Q q 0 0 0 rg BT 398.23 352.10 Td (few ) Tj ET Q q 0 0 0 rg BT 415.58 352.10 Td (major ) Tj ET Q q 0 0 0 rg BT 441.25 352.10 Td (dealers. ) Tj ET Q q 0 0 0 rg BT 474.25 352.10 Td (W) Tj ET Q q 0 0 0 rg BT 482.89 352.10 Td (e ) Tj ET Q q 0 0 0 rg BT 489.68 352.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 528.13 352.10 Td (compete ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (against ) Tj ET Q q 0 0 0 rg BT 80.84 340.10 Td (a ) Tj ET Q q 0 0 0 rg BT 87.79 340.10 Td (diverse ) Tj ET Q q 0 0 0 rg BT 119.18 340.10 Td (group ) Tj ET Q q 0 0 0 rg BT 145.03 340.10 Td (of ) Tj ET Q q 0 0 0 rg BT 155.87 340.10 Td (retailers, ) Tj ET Q q 0 0 0 rg BT 193.09 340.10 Td (including ) Tj ET Q q 0 0 0 rg BT 233.38 340.10 Td (national ) Tj ET Q q 0 0 0 rg BT 268.11 340.10 Td (mass ) Tj ET Q q 0 0 0 rg BT 290.62 340.10 Td (merchants, ) Tj ET Q q 0 0 0 rg BT 336.73 340.10 Td (specialized ) Tj ET Q q 0 0 0 rg BT 383.66 340.10 Td (national ) Tj ET Q q 0 0 0 rg BT 418.39 340.10 Td (retailers, ) Tj ET Q q 0 0 0 rg BT 455.61 340.10 Td (home ) Tj ET Q q 0 0 0 rg BT 480.34 340.10 Td (improvement ) Tj ET Q q 0 0 0 rg BT 536.17 340.10 Td (stores, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.29 328.10 Td (locally-owned ) Tj ET Q q 0 0 0 rg BT 127.34 328.10 Td (regional ) Tj ET Q q 0 0 0 rg BT 162.95 328.10 Td (or ) Tj ET Q q 0 0 0 rg BT 174.13 328.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 225.85 328.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 249.24 328.10 Td (specialty ) Tj ET Q q 0 0 0 rg BT 287.63 328.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 313.81 328.10 Td (that ) Tj ET Q q 0 0 0 rg BT 331.65 328.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 348.38 328.10 Td (furniture ) Tj ET Q q 0 0 0 rg BT 386.22 328.10 Td (and ) Tj ET Q q 0 0 0 rg BT 403.50 328.10 Td (mattresses, ) Tj ET Q q 0 0 0 rg BT 450.51 328.10 Td (home ) Tj ET Q q 0 0 0 rg BT 475.57 328.10 Td (appliances, ) Tj ET Q q 0 0 0 rg BT 523.12 328.10 Td (consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.45 316.10 Td (electronics, ) Tj ET Q q 0 0 0 rg BT 114.27 316.10 Td (similar) Tj ET Q q 0 0 0 rg BT 141.64 316.10 Td (, ) Tj ET Q q 0 0 0 rg BT 146.15 316.10 Td (and ) Tj ET Q q 0 0 0 rg BT 162.60 316.10 Td (often ) Tj ET Q q 0 0 0 rg BT 185.15 316.10 Td (identical, ) Tj ET Q q 0 0 0 rg BT 224.09 316.10 Td (to ) Tj ET Q q 0 0 0 rg BT 233.88 316.10 Td (those ) Tj ET Q q 0 0 0 rg BT 257.00 316.10 Td (items ) Tj ET Q q 0 0 0 rg BT 280.67 316.10 Td (we ) Tj ET Q q 0 0 0 rg BT 294.34 316.10 Td (sell. ) Tj ET Q q 0 0 0 rg BT 312.59 316.10 Td (W) Tj ET Q q 0 0 0 rg BT 321.23 316.10 Td (e ) Tj ET Q q 0 0 0 rg BT 327.68 316.10 Td (also ) Tj ET Q q 0 0 0 rg BT 345.79 316.10 Td (compete ) Tj ET Q q 0 0 0 rg BT 381.68 316.10 Td (with ) Tj ET Q q 0 0 0 rg BT 401.46 316.10 Td (retailers ) Tj ET Q q 0 0 0 rg BT 435.68 316.10 Td (that ) Tj ET Q q 0 0 0 rg BT 452.68 316.10 Td (market ) Tj ET Q q 0 0 0 rg BT 482.45 316.10 Td (products ) Tj ET Q q 0 0 0 rg BT 518.90 316.10 Td (using ) Tj ET Q q 0 0 0 rg BT 542.58 316.10 Td (store ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (catalogs ) Tj ET Q q 0 0 0 rg BT 84.36 304.10 Td (and ) Tj ET Q q 0 0 0 rg BT 100.40 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 114.21 304.10 Td (internet. ) Tj ET Q q 0 0 0 rg BT 148.85 304.10 Td (In ) Tj ET Q q 0 0 0 rg BT 158.77 304.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 195.64 304.10 Td (there ) Tj ET Q q 0 0 0 rg BT 217.23 304.10 Td (are ) Tj ET Q q 0 0 0 rg BT 231.03 304.10 Td (few ) Tj ET Q q 0 0 0 rg BT 247.62 304.10 Td (barriers ) Tj ET Q q 0 0 0 rg BT 279.75 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 289.13 304.10 Td (entry ) Tj ET Q q 0 0 0 rg BT 311.27 304.10 Td (into ) Tj ET Q q 0 0 0 rg BT 328.42 304.10 Td (our ) Tj ET Q q 0 0 0 rg BT 343.35 304.10 Td (current ) Tj ET Q q 0 0 0 rg BT 373.26 304.10 Td (and ) Tj ET Q q 0 0 0 rg BT 389.30 304.10 Td (contemplated ) Tj ET Q q 0 0 0 rg BT 444.76 304.10 Td (markets, ) Tj ET Q q 0 0 0 rg BT 480.51 304.10 Td (and ) Tj ET Q q 0 0 0 rg BT 496.55 304.10 Td (new ) Tj ET Q q 0 0 0 rg BT 514.80 304.10 Td (competitors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (may ) Tj ET Q q 0 0 0 rg BT 69.57 292.10 Td (enter ) Tj ET Q q 0 0 0 rg BT 91.90 292.10 Td (our ) Tj ET Q q 0 0 0 rg BT 107.58 292.10 Td (current ) Tj ET Q q 0 0 0 rg BT 138.25 292.10 Td (or ) Tj ET Q q 0 0 0 rg BT 148.93 292.10 Td (future ) Tj ET Q q 0 0 0 rg BT 175.16 292.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 209.16 292.10 Td (at ) Tj ET Q q 0 0 0 rg BT 218.73 292.10 Td (any ) Tj ET Q q 0 0 0 rg BT 235.52 292.10 Td (time. ) Tj ET Q q 0 0 0 rg BT 257.62 292.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 307.52 292.10 Td (, ) Tj ET Q q 0 0 0 rg BT 312.37 292.10 Td (we ) Tj ET Q q 0 0 0 rg BT 326.38 292.10 Td (compete ) Tj ET Q q 0 0 0 rg BT 362.61 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 372.73 292.10 Td (some ) Tj ET Q q 0 0 0 rg BT 396.19 292.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 422.98 292.10 Td (against ) Tj ET Q q 0 0 0 rg BT 453.65 292.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 498.77 292.10 Td (of) Tj ET Q q 0 0 0 rg BT 506.91 292.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 533.14 292.10 Td (weekly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.99 280.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 96.99 280.10 Td (lease-to-own ) Tj ET Q q 0 0 0 rg BT 151.29 280.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 188.38 280.10 Td (options ) Tj ET Q q 0 0 0 rg BT 220.49 280.10 Td (to ) Tj ET Q q 0 0 0 rg BT 230.93 280.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 256.36 280.10 Td (constrained ) Tj ET Q q 0 0 0 rg BT 305.11 280.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 350.54 280.10 Td (for ) Tj ET Q q 0 0 0 rg BT 364.86 280.10 Td (products ) Tj ET Q q 0 0 0 rg BT 401.96 280.10 Td (for ) Tj ET Q q 0 0 0 rg BT 416.28 280.10 Td (the ) Tj ET Q q 0 0 0 rg BT 431.15 280.10 Td (home ) Tj ET Q q 0 0 0 rg BT 456.03 280.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 486.46 280.10 Td (to ) Tj ET Q q 0 0 0 rg BT 496.90 280.10 Td (those ) Tj ET Q q 0 0 0 rg BT 520.67 280.10 Td (of) Tj ET Q q 0 0 0 rg BT 528.82 280.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 552.02 280.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (us.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 250.10 Td (e ) Tj ET Q q 0 0 0 rg BT 66.34 250.10 Td (may ) Tj ET Q q 0 0 0 rg BT 86.82 250.10 Td (not ) Tj ET Q q 0 0 0 rg BT 102.87 250.10 Td (be ) Tj ET Q q 0 0 0 rg BT 115.57 250.10 Td (able ) Tj ET Q q 0 0 0 rg BT 135.49 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 146.54 250.10 Td (compete ) Tj ET Q q 0 0 0 rg BT 183.67 250.10 Td (successfully ) Tj ET Q q 0 0 0 rg BT 235.82 250.10 Td (against ) Tj ET Q q 0 0 0 rg BT 267.41 250.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 302.34 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 320.04 250.10 Td (future ) Tj ET Q q 0 0 0 rg BT 347.19 250.10 Td (competitors. ) Tj ET Q q 0 0 0 rg BT 400.16 250.10 Td (Some ) Tj ET Q q 0 0 0 rg BT 426.21 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 437.80 250.10 Td (our ) Tj ET Q q 0 0 0 rg BT 454.40 250.10 Td (competitors ) Tj ET Q q 0 0 0 rg BT 504.88 250.10 Td (have ) Tj ET Q q 0 0 0 rg BT 527.02 250.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (resources ) Tj ET Q q 0 0 0 rg BT 90.09 238.10 Td (that ) Tj ET Q q 0 0 0 rg BT 107.41 238.10 Td (may ) Tj ET Q q 0 0 0 rg BT 126.95 238.10 Td (be ) Tj ET Q q 0 0 0 rg BT 138.72 238.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 191.59 238.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 221.67 238.10 Td (than ) Tj ET Q q 0 0 0 rg BT 241.22 238.10 Td (ours ) Tj ET Q q 0 0 0 rg BT 260.77 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 277.53 238.10 Td (they ) Tj ET Q q 0 0 0 rg BT 297.08 238.10 Td (may ) Tj ET Q q 0 0 0 rg BT 316.62 238.10 Td (be ) Tj ET Q q 0 0 0 rg BT 328.38 238.10 Td (able ) Tj ET Q q 0 0 0 rg BT 347.37 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 357.47 238.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 395.33 238.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 435.99 238.10 Td (at ) Tj ET Q q 0 0 0 rg BT 445.53 238.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 470.63 238.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 492.95 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 509.72 238.10 Td (better ) Tj ET Q q 0 0 0 rg BT 534.81 238.10 Td (endure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 91.99 226.10 Td (downturns. ) Tj ET Q q 0 0 0 rg BT 139.83 226.10 Td (If ) Tj ET Q q 0 0 0 rg BT 149.61 226.10 Td (we ) Tj ET Q q 0 0 0 rg BT 164.38 226.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 194.16 226.10 Td (of) Tj ET Q q 0 0 0 rg BT 202.31 226.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 216.52 226.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 266.85 226.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 293.84 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 304.74 226.10 Td (our ) Tj ET Q q 0 0 0 rg BT 321.19 226.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 367.35 226.10 Td (our ) Tj ET Q q 0 0 0 rg BT 383.80 226.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 406.35 226.10 Td (may ) Tj ET Q q 0 0 0 rg BT 426.69 226.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 458.68 226.10 Td (or ) Tj ET Q q 0 0 0 rg BT 470.13 226.10 Td (we ) Tj ET Q q 0 0 0 rg BT 484.90 226.10 Td (may ) Tj ET Q q 0 0 0 rg BT 505.24 226.10 Td (be ) Tj ET Q q 0 0 0 rg BT 517.80 226.10 Td (required ) Tj ET Q q 0 0 0 rg BT 554.23 226.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (accept ) Tj ET Q q 0 0 0 rg BT 78.07 214.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 103.37 214.10 Td (profit ) Tj ET Q q 0 0 0 rg BT 128.12 214.10 Td (mar) Tj ET Q q 0 0 0 rg BT 143.48 214.10 Td (gins. ) Tj ET Q q 0 0 0 rg BT 165.19 214.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 183.27 214.10 Td (competitors ) Tj ET Q q 0 0 0 rg BT 233.02 214.10 Td (may ) Tj ET Q q 0 0 0 rg BT 252.77 214.10 Td (respond ) Tj ET Q q 0 0 0 rg BT 286.96 214.10 Td (more ) Tj ET Q q 0 0 0 rg BT 310.04 214.10 Td (quickly ) Tj ET Q q 0 0 0 rg BT 342.57 214.10 Td (to ) Tj ET Q q 0 0 0 rg BT 352.88 214.10 Td (new ) Tj ET Q q 0 0 0 rg BT 372.07 214.10 Td (or ) Tj ET Q q 0 0 0 rg BT 382.94 214.10 Td (emer) Tj ET Q q 0 0 0 rg BT 402.74 214.10 Td (ging ) Tj ET Q q 0 0 0 rg BT 423.05 214.10 Td (technologies ) Tj ET Q q 0 0 0 rg BT 476.13 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 493.10 214.10 Td (may ) Tj ET Q q 0 0 0 rg BT 512.85 214.10 Td (have ) Tj ET Q q 0 0 0 rg BT 534.26 214.10 Td (greater ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (resources ) Tj ET Q q 0 0 0 rg BT 90.72 202.10 Td (to ) Tj ET Q q 0 0 0 rg BT 101.46 202.10 Td (devote ) Tj ET Q q 0 0 0 rg BT 131.08 202.10 Td (to ) Tj ET Q q 0 0 0 rg BT 141.83 202.10 Td (promotion ) Tj ET Q q 0 0 0 rg BT 186.46 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 203.86 202.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 222.37 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 233.66 202.10 Td (products ) Tj ET Q q 0 0 0 rg BT 271.06 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 288.47 202.10 Td (services. ) Tj ET Q q 0 0 0 rg BT 326.14 202.10 Td (If ) Tj ET Q q 0 0 0 rg BT 335.76 202.10 Td (two ) Tj ET Q q 0 0 0 rg BT 353.73 202.10 Td (or ) Tj ET Q q 0 0 0 rg BT 365.02 202.10 Td (more ) Tj ET Q q 0 0 0 rg BT 388.53 202.10 Td (competitors ) Tj ET Q q 0 0 0 rg BT 438.71 202.10 Td (consolidate ) Tj ET Q q 0 0 0 rg BT 487.21 202.10 Td (their ) Tj ET Q q 0 0 0 rg BT 508.50 202.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 553.69 202.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (enter ) Tj ET Q q 0 0 0 rg BT 72.49 190.10 Td (into ) Tj ET Q q 0 0 0 rg BT 90.54 190.10 Td (strategic ) Tj ET Q q 0 0 0 rg BT 126.91 190.10 Td (partnerships, ) Tj ET Q q 0 0 0 rg BT 180.79 190.10 Td (they ) Tj ET Q q 0 0 0 rg BT 200.51 190.10 Td (may ) Tj ET Q q 0 0 0 rg BT 220.22 190.10 Td (be ) Tj ET Q q 0 0 0 rg BT 232.16 190.10 Td (able ) Tj ET Q q 0 0 0 rg BT 251.32 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 261.60 190.10 Td (compete ) Tj ET Q q 0 0 0 rg BT 297.97 190.10 Td (more ) Tj ET Q q 0 0 0 rg BT 321.02 190.10 Td (ef) Tj ET Q q 0 0 0 rg BT 328.60 190.10 Td (fectively ) Tj ET Q q 0 0 0 rg BT 366.08 190.10 Td (against ) Tj ET Q q 0 0 0 rg BT 396.91 190.10 Td (us.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 67.13 172.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 100.36 172.10 Td (competitors ) Tj ET Q q 0 0 0 rg BT 149.15 172.10 Td (or ) Tj ET Q q 0 0 0 rg BT 159.05 172.10 Td (new ) Tj ET Q q 0 0 0 rg BT 177.29 172.10 Td (entrants ) Tj ET Q q 0 0 0 rg BT 210.52 172.10 Td (into ) Tj ET Q q 0 0 0 rg BT 227.65 172.10 Td (our ) Tj ET Q q 0 0 0 rg BT 242.55 172.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 276.90 172.10 Td (may ) Tj ET Q q 0 0 0 rg BT 295.69 172.10 Td (use ) Tj ET Q q 0 0 0 rg BT 310.60 172.10 Td (a ) Tj ET Q q 0 0 0 rg BT 316.61 172.10 Td (number ) Tj ET Q q 0 0 0 rg BT 348.73 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 358.63 172.10 Td (dif) Tj ET Q q 0 0 0 rg BT 369.56 172.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 394.45 172.10 Td (strategies ) Tj ET Q q 0 0 0 rg BT 433.79 172.10 Td (to ) Tj ET Q q 0 0 0 rg BT 443.14 172.10 Td (compete ) Tj ET Q q 0 0 0 rg BT 478.59 172.10 Td (against ) Tj ET Q q 0 0 0 rg BT 508.48 172.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 521.45 172.10 Td (including:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 154.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 154.10 Td (Expansion by our existing competitors or entry by new competitors into markets where we currently operate;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 136.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 136.10 Td (Lower pricing;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 118.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 118.10 Td (Aggressive advertising and marketing;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 100.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 100.10 Td (Extension of credit to customers on terms more favorable than we of) Tj ET Q q 0 0 0 rg BT 360.46 100.10 Td (fer;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 82.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 82.10 Td (Lar) Tj ET Q q 0 0 0 rg BT 99.70 82.10 Td (ger store size, or innovative store formats, which may result in greater operational ef) Tj ET Q q 0 0 0 rg BT 437.45 82.10 Td (ficiencies; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 64.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 64.10 Td (Adoption of improved retail sales methods.) Tj ET Q endstream endobj 43 0 obj <>] /Rotate 0 /Contents 44 0 R>> endobj 44 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Competition ) Tj ET Q q 0 0 0 rg BT 102.69 742.10 Td (from ) Tj ET Q q 0 0 0 rg BT 124.83 742.10 Td (any ) Tj ET Q q 0 0 0 rg BT 141.96 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 152.98 742.10 Td (these ) Tj ET Q q 0 0 0 rg BT 176.23 742.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 208.91 742.10 Td (could ) Tj ET Q q 0 0 0 rg BT 233.82 742.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 258.72 742.10 Td (us ) Tj ET Q q 0 0 0 rg BT 270.31 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 280.78 742.10 Td (lose ) Tj ET Q q 0 0 0 rg BT 299.58 742.10 Td (market ) Tj ET Q q 0 0 0 rg BT 330.04 742.10 Td (share, ) Tj ET Q q 0 0 0 rg BT 356.33 742.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 378.47 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 395.60 742.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 441.34 742.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 462.93 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 478.95 742.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 507.20 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 517.67 742.10 Td (attract ) Tj ET Q q 0 0 0 rg BT 545.35 742.10 Td (new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 95.55 730.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 130.80 730.10 Td (expenditures ) Tj ET Q q 0 0 0 rg BT 184.39 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 195.22 730.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 224.37 730.10 Td (prices, ) Tj ET Q q 0 0 0 rg BT 253.25 730.10 Td (any ) Tj ET Q q 0 0 0 rg BT 270.19 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 281.02 730.10 Td (which ) Tj ET Q q 0 0 0 rg BT 307.95 730.10 Td (could ) Tj ET Q q 0 0 0 rg BT 332.67 730.10 Td (have ) Tj ET Q q 0 0 0 rg BT 354.05 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 360.99 730.10 Td (material ) Tj ET Q q 0 0 0 rg BT 396.25 730.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 429.28 730.10 Td (ef) Tj ET Q q 0 0 0 rg BT 436.87 730.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 454.36 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 466.86 730.10 Td (us.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 712.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 88.83 712.10 Td (in ) Tj ET Q q 0 0 0 rg BT 99.89 712.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 140.38 712.10 Td (demand ) Tj ET Q q 0 0 0 rg BT 175.87 712.10 Td (and ) Tj ET Q q 0 0 0 rg BT 194.14 712.10 Td (product ) Tj ET Q q 0 0 0 rg BT 228.52 712.10 Td (mix ) Tj ET Q q 0 0 0 rg BT 246.79 712.10 Td (could ) Tj ET Q q 0 0 0 rg BT 272.28 712.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 316.65 712.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 357.68 712.10 Td (af) Tj ET Q q 0 0 0 rg BT 365.83 712.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 383.52 712.10 Td (our ) Tj ET Q q 0 0 0 rg BT 400.69 712.10 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.20 712.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 458.96 712.10 Td (products ) Tj ET Q q 0 0 0 rg BT 496.11 712.10 Td (must ) Tj ET Q q 0 0 0 rg BT 518.27 712.10 Td (appeal ) Tj ET Q q 0 0 0 rg BT 547.08 712.10 Td (to ) Tj ET Q q 0 0 0 rg BT 557.57 712.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (broad ) Tj ET Q q 0 0 0 rg BT 74.92 700.10 Td (range ) Tj ET Q q 0 0 0 rg BT 99.27 700.10 Td (of ) Tj ET Q q 0 0 0 rg BT 109.75 700.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 154.67 700.10 Td (whose ) Tj ET Q q 0 0 0 rg BT 182.37 700.10 Td (preferences ) Tj ET Q q 0 0 0 rg BT 230.59 700.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 259.39 700.10 Td (be ) Tj ET Q q 0 0 0 rg BT 270.98 700.10 Td (predicted ) Tj ET Q q 0 0 0 rg BT 310.33 700.10 Td (with ) Tj ET Q q 0 0 0 rg BT 330.26 700.10 Td (certainty ) Tj ET Q q 0 0 0 rg BT 367.39 700.10 Td (and ) Tj ET Q q 0 0 0 rg BT 383.97 700.10 Td (are ) Tj ET Q q 0 0 0 rg BT 398.33 700.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 428.80 700.10 Td (to ) Tj ET Q q 0 0 0 rg BT 438.73 700.10 Td (change. ) Tj ET Q q 0 0 0 rg BT 471.69 700.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 489.39 700.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 517.09 700.10 Td (to ) Tj ET Q q 0 0 0 rg BT 527.02 700.10 Td (maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.83 688.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 101.98 688.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 123.82 688.10 Td (depends ) Tj ET Q q 0 0 0 rg BT 158.98 688.10 Td (to ) Tj ET Q q 0 0 0 rg BT 169.15 688.10 Td (a ) Tj ET Q q 0 0 0 rg BT 175.99 688.10 Td (lar) Tj ET Q q 0 0 0 rg BT 186.35 688.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 198.19 688.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 225.01 688.10 Td (on ) Tj ET Q q 0 0 0 rg BT 237.41 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 252.02 688.10 Td (introduction ) Tj ET Q q 0 0 0 rg BT 303.30 688.10 Td (and ) Tj ET Q q 0 0 0 rg BT 320.13 688.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 367.51 688.10 Td (of ) Tj ET Q q 0 0 0 rg BT 378.24 688.10 Td (new ) Tj ET Q q 0 0 0 rg BT 397.29 688.10 Td (products ) Tj ET Q q 0 0 0 rg BT 434.13 688.10 Td (and ) Tj ET Q q 0 0 0 rg BT 450.96 688.10 Td (technologies ) Tj ET Q q 0 0 0 rg BT 503.90 688.10 Td (and ) Tj ET Q q 0 0 0 rg BT 520.73 688.10 Td (our ) Tj ET Q q 0 0 0 rg BT 536.46 688.10 Td (ability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.87 676.10 Td (respond ) Tj ET Q q 0 0 0 rg BT 93.62 676.10 Td (timely ) Tj ET Q q 0 0 0 rg BT 121.27 676.10 Td (to ) Tj ET Q q 0 0 0 rg BT 131.14 676.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 169.89 676.10 Td (demands ) Tj ET Q q 0 0 0 rg BT 207.52 676.10 Td (and ) Tj ET Q q 0 0 0 rg BT 224.06 676.10 Td (preferences ) Tj ET Q q 0 0 0 rg BT 272.22 676.10 Td (for ) Tj ET Q q 0 0 0 rg BT 285.97 676.10 Td (such ) Tj ET Q q 0 0 0 rg BT 306.40 676.10 Td (new ) Tj ET Q q 0 0 0 rg BT 325.15 676.10 Td (products. ) Tj ET Q q 0 0 0 rg BT 364.18 676.10 Td (It ) Tj ET Q q 0 0 0 rg BT 372.38 676.10 Td (is ) Tj ET Q q 0 0 0 rg BT 381.14 676.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 416.01 676.10 Td (that ) Tj ET Q q 0 0 0 rg BT 433.10 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 447.41 676.10 Td (introduction ) Tj ET Q q 0 0 0 rg BT 498.38 676.10 Td (of ) Tj ET Q q 0 0 0 rg BT 508.81 676.10 Td (new ) Tj ET Q q 0 0 0 rg BT 527.56 676.10 Td (products ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (will ) Tj ET Q q 0 0 0 rg BT 68.46 664.10 Td (never ) Tj ET Q q 0 0 0 rg BT 93.58 664.10 Td (achieve ) Tj ET Q q 0 0 0 rg BT 127.02 664.10 Td (widespread ) Tj ET Q q 0 0 0 rg BT 175.46 664.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 217.24 664.10 Td (acceptance ) Tj ET Q q 0 0 0 rg BT 264.00 664.10 Td (or ) Tj ET Q q 0 0 0 rg BT 275.23 664.10 Td (will ) Tj ET Q q 0 0 0 rg BT 293.70 664.10 Td (be ) Tj ET Q q 0 0 0 rg BT 306.04 664.10 Td (supplanted ) Tj ET Q q 0 0 0 rg BT 352.28 664.10 Td (by ) Tj ET Q q 0 0 0 rg BT 365.18 664.10 Td (alternative ) Tj ET Q q 0 0 0 rg BT 410.29 664.10 Td (products ) Tj ET Q q 0 0 0 rg BT 447.63 664.10 Td (and ) Tj ET Q q 0 0 0 rg BT 464.98 664.10 Td (technologies ) Tj ET Q q 0 0 0 rg BT 518.43 664.10 Td (that ) Tj ET Q q 0 0 0 rg BT 536.33 664.10 Td (do ) Tj ET Q q 0 0 0 rg BT 549.23 664.10 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 652.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 72.43 652.10 Td (us ) Tj ET Q q 0 0 0 rg BT 84.50 652.10 Td (a ) Tj ET Q q 0 0 0 rg BT 92.11 652.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 123.07 652.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 145.68 652.10 Td (opportunity ) Tj ET Q q 0 0 0 rg BT 195.53 652.10 Td (or ) Tj ET Q q 0 0 0 rg BT 207.04 652.10 Td (are ) Tj ET Q q 0 0 0 rg BT 222.42 652.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 242.27 652.10 Td (at ) Tj ET Q q 0 0 0 rg BT 252.67 652.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 278.61 652.10 Td (price ) Tj ET Q q 0 0 0 rg BT 301.78 652.10 Td (points ) Tj ET Q q 0 0 0 rg BT 329.40 652.10 Td (or ) Tj ET Q q 0 0 0 rg BT 340.91 652.10 Td (mar) Tj ET Q q 0 0 0 rg BT 356.28 652.10 Td (gins. ) Tj ET Q q 0 0 0 rg BT 378.40 652.10 Td (W) Tj ET Q q 0 0 0 rg BT 387.04 652.10 Td (e ) Tj ET Q q 0 0 0 rg BT 394.65 652.10 Td (may ) Tj ET Q q 0 0 0 rg BT 415.05 652.10 Td (be ) Tj ET Q q 0 0 0 rg BT 427.67 652.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 457.50 652.10 Td (to ) Tj ET Q q 0 0 0 rg BT 468.46 652.10 Td (anticipate ) Tj ET Q q 0 0 0 rg BT 510.50 652.10 Td (these ) Tj ET Q q 0 0 0 rg BT 534.23 652.10 Td (buying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (patterns ) Tj ET Q q 0 0 0 rg BT 83.80 640.10 Td (which ) Tj ET Q q 0 0 0 rg BT 110.38 640.10 Td (could ) Tj ET Q q 0 0 0 rg BT 134.75 640.10 Td (result ) Tj ET Q q 0 0 0 rg BT 159.11 640.10 Td (in ) Tj ET Q q 0 0 0 rg BT 169.03 640.10 Td (a ) Tj ET Q q 0 0 0 rg BT 175.61 640.10 Td (material ) Tj ET Q q 0 0 0 rg BT 210.52 640.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 243.20 640.10 Td (ef) Tj ET Q q 0 0 0 rg BT 250.79 640.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 267.92 640.10 Td (on ) Tj ET Q q 0 0 0 rg BT 280.06 640.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 293.60 640.10 Td (In ) Tj ET Q q 0 0 0 rg BT 304.08 640.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 341.49 640.10 Td (we ) Tj ET Q q 0 0 0 rg BT 355.30 640.10 Td (often ) Tj ET Q q 0 0 0 rg BT 377.99 640.10 Td (make ) Tj ET Q q 0 0 0 rg BT 401.79 640.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 458.37 640.10 Td (to ) Tj ET Q q 0 0 0 rg BT 468.30 640.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 505.98 640.10 Td (products ) Tj ET Q q 0 0 0 rg BT 542.56 640.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.70 628.10 Td (vendors ) Tj ET Q q 0 0 0 rg BT 99.72 628.10 Td (several ) Tj ET Q q 0 0 0 rg BT 130.40 628.10 Td (months ) Tj ET Q q 0 0 0 rg BT 162.22 628.10 Td (in ) Tj ET Q q 0 0 0 rg BT 172.36 628.10 Td (advance ) Tj ET Q q 0 0 0 rg BT 207.48 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 218.18 628.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 257.20 628.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 292.33 628.10 Td (dates. ) Tj ET Q q 0 0 0 rg BT 317.74 628.10 Td (Significant ) Tj ET Q q 0 0 0 rg BT 363.99 628.10 Td (deviation ) Tj ET Q q 0 0 0 rg BT 403.57 628.10 Td (from ) Tj ET Q q 0 0 0 rg BT 425.37 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 439.96 628.10 Td (projected ) Tj ET Q q 0 0 0 rg BT 479.52 628.10 Td (demand ) Tj ET Q q 0 0 0 rg BT 513.54 628.10 Td (for ) Tj ET Q q 0 0 0 rg BT 527.57 628.10 Td (products ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.43 616.10 Td (we ) Tj ET Q q 0 0 0 rg BT 81.52 616.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 97.84 616.10 Td (could ) Tj ET Q q 0 0 0 rg BT 122.50 616.10 Td (af) Tj ET Q q 0 0 0 rg BT 130.08 616.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 147.50 616.10 Td (our ) Tj ET Q q 0 0 0 rg BT 163.27 616.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 204.03 616.10 Td (strategies ) Tj ET Q q 0 0 0 rg BT 244.22 616.10 Td (which ) Tj ET Q q 0 0 0 rg BT 271.10 616.10 Td (may ) Tj ET Q q 0 0 0 rg BT 290.75 616.10 Td (have ) Tj ET Q q 0 0 0 rg BT 312.06 616.10 Td (an ) Tj ET Q q 0 0 0 rg BT 323.93 616.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 356.90 616.10 Td (ef) Tj ET Q q 0 0 0 rg BT 364.49 616.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 381.91 616.10 Td (on ) Tj ET Q q 0 0 0 rg BT 394.34 616.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 408.17 616.10 Td (either ) Tj ET Q q 0 0 0 rg BT 433.37 616.10 Td (from ) Tj ET Q q 0 0 0 rg BT 455.24 616.10 Td (lost ) Tj ET Q q 0 0 0 rg BT 472.12 616.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 493.99 616.10 Td (or ) Tj ET Q q 0 0 0 rg BT 504.76 616.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 529.96 616.10 Td (mar) Tj ET Q q 0 0 0 rg BT 545.33 616.10 Td (gins ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (due ) Tj ET Q q 0 0 0 rg BT 66.94 604.10 Td (to ) Tj ET Q q 0 0 0 rg BT 77.22 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 91.93 604.10 Td (need ) Tj ET Q q 0 0 0 rg BT 113.31 604.10 Td (to ) Tj ET Q q 0 0 0 rg BT 123.59 604.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 152.73 604.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 179.11 604.10 Td (to ) Tj ET Q q 0 0 0 rg BT 189.39 604.10 Td (dispose ) Tj ET Q q 0 0 0 rg BT 221.89 604.10 Td (of ) Tj ET Q q 0 0 0 rg BT 232.72 604.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 261.32 604.10 Td (inventory) Tj ET Q q 0 0 0 rg BT 298.99 604.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (Furthermore, ) Tj ET Q q 0 0 0 rg BT 104.88 586.10 Td (due ) Tj ET Q q 0 0 0 rg BT 121.71 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 131.88 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 147.60 586.10 Td (increasing ) Tj ET Q q 0 0 0 rg BT 191.09 586.10 Td (emphasis ) Tj ET Q q 0 0 0 rg BT 230.70 586.10 Td (on ) Tj ET Q q 0 0 0 rg BT 243.09 586.10 Td (furniture ) Tj ET Q q 0 0 0 rg BT 280.47 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 297.30 586.10 Td (mattress ) Tj ET Q q 0 0 0 rg BT 333.02 586.10 Td (of) Tj ET Q q 0 0 0 rg BT 341.17 586.10 Td (ferings, ) Tj ET Q q 0 0 0 rg BT 373.83 586.10 Td (we ) Tj ET Q q 0 0 0 rg BT 387.88 586.10 Td (are ) Tj ET Q q 0 0 0 rg BT 402.48 586.10 Td (building ) Tj ET Q q 0 0 0 rg BT 438.21 586.10 Td (lar) Tj ET Q q 0 0 0 rg BT 448.57 586.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 463.74 586.10 Td (new ) Tj ET Q q 0 0 0 rg BT 482.79 586.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 508.51 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 525.34 586.10 Td (investing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 93.29 574.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 123.24 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 134.31 574.10 Td (expand ) Tj ET Q q 0 0 0 rg BT 166.49 574.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 201.45 574.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 228.08 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 239.15 574.10 Td (accommodate ) Tj ET Q q 0 0 0 rg BT 297.98 574.10 Td (those ) Tj ET Q q 0 0 0 rg BT 322.38 574.10 Td (of) Tj ET Q q 0 0 0 rg BT 330.53 574.10 Td (ferings. ) Tj ET Q q 0 0 0 rg BT 364.10 574.10 Td (If ) Tj ET Q q 0 0 0 rg BT 374.05 574.10 Td (we ) Tj ET Q q 0 0 0 rg BT 389.01 574.10 Td (are ) Tj ET Q q 0 0 0 rg BT 404.52 574.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 434.47 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 445.54 574.10 Td (execute ) Tj ET Q q 0 0 0 rg BT 479.37 574.10 Td (on ) Tj ET Q q 0 0 0 rg BT 492.67 574.10 Td (our ) Tj ET Q q 0 0 0 rg BT 509.30 574.10 Td (furniture ) Tj ET Q q 0 0 0 rg BT 547.58 574.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (mattress ) Tj ET Q q 0 0 0 rg BT 85.83 562.10 Td (of) Tj ET Q q 0 0 0 rg BT 93.97 562.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 120.35 562.10 Td (strategy) Tj ET Q q 0 0 0 rg BT 151.36 562.10 Td (, ) Tj ET Q q 0 0 0 rg BT 156.36 562.10 Td (it ) Tj ET Q q 0 0 0 rg BT 164.41 562.10 Td (could ) Tj ET Q q 0 0 0 rg BT 189.13 562.10 Td (have ) Tj ET Q q 0 0 0 rg BT 210.51 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 217.45 562.10 Td (material ) Tj ET Q q 0 0 0 rg BT 252.71 562.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 285.74 562.10 Td (ef) Tj ET Q q 0 0 0 rg BT 293.33 562.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 310.82 562.10 Td (on ) Tj ET Q q 0 0 0 rg BT 323.32 562.10 Td (us.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 544.10 Td (e ) Tj ET Q q 0 0 0 rg BT 66.54 544.10 Td (may ) Tj ET Q q 0 0 0 rg BT 87.71 544.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 136.09 544.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 183.94 544.10 Td (price ) Tj ET Q q 0 0 0 rg BT 208.44 544.10 Td (pressures ) Tj ET Q q 0 0 0 rg BT 251.30 544.10 Td (over ) Tj ET Q q 0 0 0 rg BT 273.02 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 289.75 544.10 Td (life ) Tj ET Q q 0 0 0 rg BT 307.03 544.10 Td (cycle ) Tj ET Q q 0 0 0 rg BT 331.52 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 343.80 544.10 Td (our ) Tj ET Q q 0 0 0 rg BT 362.21 544.10 Td (products ) Tj ET Q q 0 0 0 rg BT 401.73 544.10 Td (from ) Tj ET Q q 0 0 0 rg BT 425.68 544.10 Td (competing ) Tj ET Q q 0 0 0 rg BT 472.41 544.10 Td (technologies ) Tj ET Q q 0 0 0 rg BT 528.03 544.10 Td (and ) Tj ET Q q 0 0 0 rg BT 547.55 544.10 Td (our ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (competitors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.27 532.10 Td (Prices ) Tj ET Q q 0 0 0 rg BT 129.76 532.10 Td (for ) Tj ET Q q 0 0 0 rg BT 143.96 532.10 Td (many ) Tj ET Q q 0 0 0 rg BT 168.72 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 179.59 532.10 Td (our ) Tj ET Q q 0 0 0 rg BT 195.47 532.10 Td (products ) Tj ET Q q 0 0 0 rg BT 232.45 532.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 269.41 532.10 Td (over ) Tj ET Q q 0 0 0 rg BT 289.72 532.10 Td (their ) Tj ET Q q 0 0 0 rg BT 310.59 532.10 Td (life ) Tj ET Q q 0 0 0 rg BT 326.46 532.10 Td (cycle. ) Tj ET Q q 0 0 0 rg BT 352.60 532.10 Td (Such ) Tj ET Q q 0 0 0 rg BT 375.14 532.10 Td (decreases ) Tj ET Q q 0 0 0 rg BT 415.99 532.10 Td (often ) Tj ET Q q 0 0 0 rg BT 439.08 532.10 Td (result ) Tj ET Q q 0 0 0 rg BT 463.84 532.10 Td (in ) Tj ET Q q 0 0 0 rg BT 474.17 532.10 Td (decreased ) Tj ET Q q 0 0 0 rg BT 516.12 532.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 539.78 532.10 Td (profit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (mar) Tj ET Q q 0 0 0 rg BT 65.37 520.10 Td (gins. ) Tj ET Q q 0 0 0 rg BT 86.59 520.10 Td (Suppliers ) Tj ET Q q 0 0 0 rg BT 126.41 520.10 Td (may ) Tj ET Q q 0 0 0 rg BT 145.68 520.10 Td (also ) Tj ET Q q 0 0 0 rg BT 163.84 520.10 Td (take ) Tj ET Q q 0 0 0 rg BT 182.54 520.10 Td (various ) Tj ET Q q 0 0 0 rg BT 214.03 520.10 Td (steps, ) Tj ET Q q 0 0 0 rg BT 238.58 520.10 Td (including ) Tj ET Q q 0 0 0 rg BT 278.41 520.10 Td (manufacturing ) Tj ET Q q 0 0 0 rg BT 338.77 520.10 Td (lower) Tj ET Q q 0 0 0 rg BT 361.33 520.10 Td (-cost ) Tj ET Q q 0 0 0 rg BT 382.82 520.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 423.20 520.10 Td (in ) Tj ET Q q 0 0 0 rg BT 433.03 520.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 460.62 520.10 Td (volumes, ) Tj ET Q q 0 0 0 rg BT 499.06 520.10 Td (to ) Tj ET Q q 0 0 0 rg BT 508.89 520.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 543.69 520.10 Td (their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (own ) Tj ET Q q 0 0 0 rg BT 70.13 508.10 Td (profitability) Tj ET Q q 0 0 0 rg BT 117.25 508.10 Td (, ) Tj ET Q q 0 0 0 rg BT 122.66 508.10 Td (which ) Tj ET Q q 0 0 0 rg BT 150.01 508.10 Td (may ) Tj ET Q q 0 0 0 rg BT 170.14 508.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 214.70 508.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 244.82 508.10 Td (our ) Tj ET Q q 0 0 0 rg BT 261.06 508.10 Td (mar) Tj ET Q q 0 0 0 rg BT 276.43 508.10 Td (gins ) Tj ET Q q 0 0 0 rg BT 296.01 508.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 315.85 508.10 Td (as ) Tj ET Q q 0 0 0 rg BT 327.09 508.10 Td (a ) Tj ET Q q 0 0 0 rg BT 334.44 508.10 Td (result, ) Tj ET Q q 0 0 0 rg BT 362.07 508.10 Td (our ) Tj ET Q q 0 0 0 rg BT 378.31 508.10 Td (profitability) Tj ET Q q 0 0 0 rg BT 425.43 508.10 Td (. ) Tj ET Q q 0 0 0 rg BT 430.63 508.10 Td (T) Tj ET Q q 0 0 0 rg BT 436.04 508.10 Td (ypically) Tj ET Q q 0 0 0 rg BT 467.60 508.10 Td (, ) Tj ET Q q 0 0 0 rg BT 473.01 508.10 Td (new ) Tj ET Q q 0 0 0 rg BT 492.58 508.10 Td (products, ) Tj ET Q q 0 0 0 rg BT 532.43 508.10 Td (such ) Tj ET Q q 0 0 0 rg BT 553.67 508.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (LED, ) Tj ET Q q 0 0 0 rg BT 75.16 496.10 Td (OLED, ) Tj ET Q q 0 0 0 rg BT 107.53 496.10 Td (QLED, ) Tj ET Q q 0 0 0 rg BT 139.91 496.10 Td (4K, ) Tj ET Q q 0 0 0 rg BT 157.85 496.10 Td (Ultra ) Tj ET Q q 0 0 0 rg BT 181.61 496.10 Td (HD, ) Tj ET Q q 0 0 0 rg BT 201.77 496.10 Td (and ) Tj ET Q q 0 0 0 rg BT 219.43 496.10 Td (internet-ready ) Tj ET Q q 0 0 0 rg BT 278.72 496.10 Td (televisions ) Tj ET Q q 0 0 0 rg BT 324.71 496.10 Td (and ) Tj ET Q q 0 0 0 rg BT 342.37 496.10 Td (Blu-ray ) Tj ET Q q 0 0 0 rg BT 376.13 496.10 Td (players ) Tj ET Q q 0 0 0 rg BT 408.23 496.10 Td (are ) Tj ET Q q 0 0 0 rg BT 423.65 496.10 Td (introduced ) Tj ET Q q 0 0 0 rg BT 469.63 496.10 Td (at ) Tj ET Q q 0 0 0 rg BT 480.06 496.10 Td (relatively ) Tj ET Q q 0 0 0 rg BT 521.04 496.10 Td (high ) Tj ET Q q 0 0 0 rg BT 542.03 496.10 Td (price ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (points ) Tj ET Q q 0 0 0 rg BT 77.39 484.10 Td (that ) Tj ET Q q 0 0 0 rg BT 95.32 484.10 Td (are ) Tj ET Q q 0 0 0 rg BT 110.47 484.10 Td (then ) Tj ET Q q 0 0 0 rg BT 130.62 484.10 Td (gradually ) Tj ET Q q 0 0 0 rg BT 171.32 484.10 Td (reduced ) Tj ET Q q 0 0 0 rg BT 205.91 484.10 Td (as ) Tj ET Q q 0 0 0 rg BT 217.18 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 232.33 484.10 Td (product ) Tj ET Q q 0 0 0 rg BT 265.82 484.10 Td (becomes ) Tj ET Q q 0 0 0 rg BT 303.74 484.10 Td (mainstream. ) Tj ET Q q 0 0 0 rg BT 355.62 484.10 Td (T) Tj ET Q q 0 0 0 rg BT 361.03 484.10 Td (o ) Tj ET Q q 0 0 0 rg BT 368.97 484.10 Td (sustain ) Tj ET Q q 0 0 0 rg BT 399.68 484.10 Td (same ) Tj ET Q q 0 0 0 rg BT 423.17 484.10 Td (store ) Tj ET Q q 0 0 0 rg BT 445.54 484.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 467.92 484.10 Td (growth, ) Tj ET Q q 0 0 0 rg BT 501.69 484.10 Td (unit ) Tj ET Q q 0 0 0 rg BT 520.19 484.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 542.56 484.10 Td (must ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 85.14 472.10 Td (at ) Tj ET Q q 0 0 0 rg BT 94.74 472.10 Td (a ) Tj ET Q q 0 0 0 rg BT 101.56 472.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 118.93 472.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 149.07 472.10 Td (than ) Tj ET Q q 0 0 0 rg BT 168.67 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 183.27 472.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 214.53 472.10 Td (in ) Tj ET Q q 0 0 0 rg BT 224.69 472.10 Td (product ) Tj ET Q q 0 0 0 rg BT 257.62 472.10 Td (prices. ) Tj ET Q q 0 0 0 rg BT 286.21 472.10 Td (The ) Tj ET Q q 0 0 0 rg BT 304.14 472.10 Td (af) Tj ET Q q 0 0 0 rg BT 311.73 472.10 Td (fordability ) Tj ET Q q 0 0 0 rg BT 356.33 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 367.04 472.10 Td (products ) Tj ET Q q 0 0 0 rg BT 403.86 472.10 Td (helps ) Tj ET Q q 0 0 0 rg BT 427.36 472.10 Td (drive ) Tj ET Q q 0 0 0 rg BT 450.29 472.10 Td (unit ) Tj ET Q q 0 0 0 rg BT 468.23 472.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 490.05 472.10 Td (growth. ) Tj ET Q q 0 0 0 rg BT 523.27 472.10 Td (However) Tj ET Q q 0 0 0 rg BT 559.52 472.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.51 460.10 Td (a ) Tj ET Q q 0 0 0 rg BT 67.14 460.10 Td (result ) Tj ET Q q 0 0 0 rg BT 91.54 460.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.05 460.10 Td (relatively ) Tj ET Q q 0 0 0 rg BT 141.99 460.10 Td (short ) Tj ET Q q 0 0 0 rg BT 164.18 460.10 Td (product ) Tj ET Q q 0 0 0 rg BT 196.91 460.10 Td (life ) Tj ET Q q 0 0 0 rg BT 212.42 460.10 Td (cycles ) Tj ET Q q 0 0 0 rg BT 239.59 460.10 Td (in ) Tj ET Q q 0 0 0 rg BT 249.55 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 263.95 460.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 305.01 460.10 Td (electronics ) Tj ET Q q 0 0 0 rg BT 350.51 460.10 Td (industry) Tj ET Q q 0 0 0 rg BT 382.64 460.10 Td (, ) Tj ET Q q 0 0 0 rg BT 387.32 460.10 Td (which ) Tj ET Q q 0 0 0 rg BT 413.94 460.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 435.02 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 449.42 460.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 481.60 460.10 Td (of ) Tj ET Q q 0 0 0 rg BT 492.11 460.10 Td (time ) Tj ET Q q 0 0 0 rg BT 512.07 460.10 Td (available ) Tj ET Q q 0 0 0 rg BT 550.34 460.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 72.68 448.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 105.92 448.10 Td (to ) Tj ET Q q 0 0 0 rg BT 116.94 448.10 Td (increase, ) Tj ET Q q 0 0 0 rg BT 155.43 448.10 Td (combined ) Tj ET Q q 0 0 0 rg BT 198.11 448.10 Td (with ) Tj ET Q q 0 0 0 rg BT 219.13 448.10 Td (rapid ) Tj ET Q q 0 0 0 rg BT 242.92 448.10 Td (price ) Tj ET Q q 0 0 0 rg BT 266.15 448.10 Td (erosion ) Tj ET Q q 0 0 0 rg BT 298.83 448.10 Td (in ) Tj ET Q q 0 0 0 rg BT 309.85 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 325.31 448.10 Td (industry) Tj ET Q q 0 0 0 rg BT 357.44 448.10 Td (, ) Tj ET Q q 0 0 0 rg BT 363.18 448.10 Td (retailers ) Tj ET Q q 0 0 0 rg BT 398.62 448.10 Td (are ) Tj ET Q q 0 0 0 rg BT 414.07 448.10 Td (challenged ) Tj ET Q q 0 0 0 rg BT 460.63 448.10 Td (to ) Tj ET Q q 0 0 0 rg BT 471.65 448.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 509.88 448.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 540.88 448.10 Td (gross ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (mar) Tj ET Q q 0 0 0 rg BT 65.37 436.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 80.67 436.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 106.53 436.10 Td (and ) Tj ET Q q 0 0 0 rg BT 123.49 436.10 Td (positive ) Tj ET Q q 0 0 0 rg BT 157.69 436.10 Td (same ) Tj ET Q q 0 0 0 rg BT 180.76 436.10 Td (store ) Tj ET Q q 0 0 0 rg BT 202.73 436.10 Td (sales. ) Tj ET Q q 0 0 0 rg BT 227.01 436.10 Td (W) Tj ET Q q 0 0 0 rg BT 235.65 436.10 Td (e ) Tj ET Q q 0 0 0 rg BT 242.62 436.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 279.58 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 289.89 436.10 Td (adjust ) Tj ET Q q 0 0 0 rg BT 316.30 436.10 Td (our ) Tj ET Q q 0 0 0 rg BT 332.16 436.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 375.23 436.10 Td (strategies ) Tj ET Q q 0 0 0 rg BT 415.52 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 425.83 436.10 Td (address ) Tj ET Q q 0 0 0 rg BT 458.35 436.10 Td (this ) Tj ET Q q 0 0 0 rg BT 475.32 436.10 Td (challenge ) Tj ET Q q 0 0 0 rg BT 516.16 436.10 Td (through ) Tj ET Q q 0 0 0 rg BT 549.80 436.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (introduction ) Tj ET Q q 0 0 0 rg BT 102.01 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 113.47 424.10 Td (new ) Tj ET Q q 0 0 0 rg BT 133.26 424.10 Td (product ) Tj ET Q q 0 0 0 rg BT 166.94 424.10 Td (categories ) Tj ET Q q 0 0 0 rg BT 210.60 424.10 Td (and ) Tj ET Q q 0 0 0 rg BT 228.17 424.10 Td (new ) Tj ET Q q 0 0 0 rg BT 247.96 424.10 Td (products ) Tj ET Q q 0 0 0 rg BT 285.53 424.10 Td (within ) Tj ET Q q 0 0 0 rg BT 314.21 424.10 Td (our ) Tj ET Q q 0 0 0 rg BT 330.67 424.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 365.47 424.10 Td (categories. ) Tj ET Q q 0 0 0 rg BT 411.63 424.10 Td (If ) Tj ET Q q 0 0 0 rg BT 421.42 424.10 Td (we ) Tj ET Q q 0 0 0 rg BT 436.21 424.10 Td (fail ) Tj ET Q q 0 0 0 rg BT 452.67 424.10 Td (to ) Tj ET Q q 0 0 0 rg BT 463.57 424.10 Td (accurately ) Tj ET Q q 0 0 0 rg BT 507.78 424.10 Td (anticipate ) Tj ET Q q 0 0 0 rg BT 549.78 424.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (introduction ) Tj ET Q q 0 0 0 rg BT 101.08 412.10 Td (of ) Tj ET Q q 0 0 0 rg BT 111.61 412.10 Td (new ) Tj ET Q q 0 0 0 rg BT 130.47 412.10 Td (technologies, ) Tj ET Q q 0 0 0 rg BT 185.71 412.10 Td (we ) Tj ET Q q 0 0 0 rg BT 199.57 412.10 Td (may ) Tj ET Q q 0 0 0 rg BT 218.99 412.10 Td (possess ) Tj ET Q q 0 0 0 rg BT 251.19 412.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 295.61 412.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 331.69 412.10 Td (of ) Tj ET Q q 0 0 0 rg BT 342.22 412.10 Td (obsolete ) Tj ET Q q 0 0 0 rg BT 377.75 412.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 418.27 412.10 Td (that ) Tj ET Q q 0 0 0 rg BT 435.47 412.10 Td (can ) Tj ET Q q 0 0 0 rg BT 451.54 412.10 Td (only ) Tj ET Q q 0 0 0 rg BT 471.52 412.10 Td (be ) Tj ET Q q 0 0 0 rg BT 483.16 412.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 502.03 412.10 Td (at ) Tj ET Q q 0 0 0 rg BT 511.45 412.10 Td (substantially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 75.85 400.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 102.82 400.10 Td (than ) Tj ET Q q 0 0 0 rg BT 123.12 400.10 Td (we ) Tj ET Q q 0 0 0 rg BT 137.87 400.10 Td (anticipated. ) Tj ET Q q 0 0 0 rg BT 187.32 400.10 Td (In ) Tj ET Q q 0 0 0 rg BT 198.74 400.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 237.09 400.10 Td (we ) Tj ET Q q 0 0 0 rg BT 251.84 400.10 Td (may ) Tj ET Q q 0 0 0 rg BT 272.14 400.10 Td (not ) Tj ET Q q 0 0 0 rg BT 288.01 400.10 Td (be ) Tj ET Q q 0 0 0 rg BT 300.53 400.10 Td (able ) Tj ET Q q 0 0 0 rg BT 320.27 400.10 Td (to ) Tj ET Q q 0 0 0 rg BT 331.14 400.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 369.21 400.10 Td (our ) Tj ET Q q 0 0 0 rg BT 385.63 400.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 425.93 400.10 Td (mar) Tj ET Q q 0 0 0 rg BT 441.29 400.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 457.16 400.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 483.57 400.10 Td (in ) Tj ET Q q 0 0 0 rg BT 494.43 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 509.74 400.10 Td (future ) Tj ET Q q 0 0 0 rg BT 536.70 400.10 Td (due ) Tj ET Q q 0 0 0 rg BT 554.22 400.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 91.00 388.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 113.69 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 125.27 388.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 151.29 388.10 Td (mar) Tj ET Q q 0 0 0 rg BT 166.65 388.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 182.68 388.10 Td (products, ) Tj ET Q q 0 0 0 rg BT 222.87 388.10 Td (such ) Tj ET Q q 0 0 0 rg BT 244.44 388.10 Td (as ) Tj ET Q q 0 0 0 rg BT 256.02 388.10 Td (personal ) Tj ET Q q 0 0 0 rg BT 293.15 388.10 Td (electronics ) Tj ET Q q 0 0 0 rg BT 339.71 388.10 Td (products, ) Tj ET Q q 0 0 0 rg BT 379.89 388.10 Td (and ) Tj ET Q q 0 0 0 rg BT 397.58 388.10 Td (declines ) Tj ET Q q 0 0 0 rg BT 433.59 388.10 Td (in ) Tj ET Q q 0 0 0 rg BT 444.62 388.10 Td (average ) Tj ET Q q 0 0 0 rg BT 478.95 388.10 Td (selling ) Tj ET Q q 0 0 0 rg BT 508.87 388.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 535.99 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 547.57 388.10 Td (key ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (products, ) Tj ET Q q 0 0 0 rg BT 89.05 376.10 Td (such ) Tj ET Q q 0 0 0 rg BT 109.50 376.10 Td (as ) Tj ET Q q 0 0 0 rg BT 119.94 376.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 160.93 376.10 Td (electronics ) Tj ET Q q 0 0 0 rg BT 206.35 376.10 Td (and ) Tj ET Q q 0 0 0 rg BT 222.90 376.10 Td (home ) Tj ET Q q 0 0 0 rg BT 247.23 376.10 Td (appliances. ) Tj ET Q q 0 0 0 rg BT 294.05 376.10 Td (If ) Tj ET Q q 0 0 0 rg BT 302.82 376.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 324.38 376.10 Td (of ) Tj ET Q q 0 0 0 rg BT 334.82 376.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 359.70 376.10 Td (mar) Tj ET Q q 0 0 0 rg BT 375.07 376.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 389.96 376.10 Td (items ) Tj ET Q q 0 0 0 rg BT 413.74 376.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 450.28 376.10 Td (to ) Tj ET Q q 0 0 0 rg BT 460.17 376.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 495.04 376.10 Td (and ) Tj ET Q q 0 0 0 rg BT 511.59 376.10 Td (replace ) Tj ET Q q 0 0 0 rg BT 542.57 376.10 Td (sales ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.18 364.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 89.58 364.10 Td (mar) Tj ET Q q 0 0 0 rg BT 104.95 364.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 120.58 364.10 Td (items, ) Tj ET Q q 0 0 0 rg BT 147.60 364.10 Td (or ) Tj ET Q q 0 0 0 rg BT 158.79 364.10 Td (if ) Tj ET Q q 0 0 0 rg BT 167.75 364.10 Td (our ) Tj ET Q q 0 0 0 rg BT 183.93 364.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 225.66 364.10 Td (electronics ) Tj ET Q q 0 0 0 rg BT 271.83 364.10 Td (products ) Tj ET Q q 0 0 0 rg BT 309.12 364.10 Td (average ) Tj ET Q q 0 0 0 rg BT 343.06 364.10 Td (selling ) Tj ET Q q 0 0 0 rg BT 372.58 364.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 399.31 364.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 436.58 364.10 Td (due ) Tj ET Q q 0 0 0 rg BT 453.87 364.10 Td (to ) Tj ET Q q 0 0 0 rg BT 464.50 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 479.57 364.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 516.31 364.10 Td (of ) Tj ET Q q 0 0 0 rg BT 527.49 364.10 Td (their ) Tj ET Q q 0 0 0 rg BT 548.67 364.10 Td (life ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (cycle, ) Tj ET Q q 0 0 0 rg BT 76.09 352.10 Td (our ) Tj ET Q q 0 0 0 rg BT 91.92 352.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 115.54 352.10 Td (mar) Tj ET Q q 0 0 0 rg BT 130.90 352.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 146.18 352.10 Td (and ) Tj ET Q q 0 0 0 rg BT 163.12 352.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 193.38 352.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 217.00 352.10 Td (profit ) Tj ET Q q 0 0 0 rg BT 241.71 352.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 267.54 352.10 Td (may ) Tj ET Q q 0 0 0 rg BT 287.26 352.10 Td (be ) Tj ET Q q 0 0 0 rg BT 299.19 352.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 342.23 352.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 383.05 352.10 Td (af) Tj ET Q q 0 0 0 rg BT 390.63 352.10 Td (fected.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.12 334.10 Td ( ) Tj ET Q q 0 0 0 rg BT 59.17 334.10 Td (disruption ) Tj ET Q q 0 0 0 rg BT 104.47 334.10 Td (in ) Tj ET Q q 0 0 0 rg BT 115.86 334.10 Td (our ) Tj ET Q q 0 0 0 rg BT 133.37 334.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 189.77 334.10 Td (with, ) Tj ET Q q 0 0 0 rg BT 213.12 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 228.95 334.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 275.34 334.10 Td (of, ) Tj ET Q q 0 0 0 rg BT 289.23 334.10 Td (or ) Tj ET Q q 0 0 0 rg BT 301.17 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 317.00 334.10 Td (supply ) Tj ET Q q 0 0 0 rg BT 346.73 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 358.11 334.10 Td (product ) Tj ET Q q 0 0 0 rg BT 392.84 334.10 Td (from ) Tj ET Q q 0 0 0 rg BT 415.89 334.10 Td (any ) Tj ET Q q 0 0 0 rg BT 433.95 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 445.33 334.10 Td (our ) Tj ET Q q 0 0 0 rg BT 462.84 334.10 Td (key ) Tj ET Q q 0 0 0 rg BT 479.77 334.10 Td (suppliers, ) Tj ET Q q 0 0 0 rg BT 522.55 334.10 Td (including ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (those ) Tj ET Q q 0 0 0 rg BT 74.02 322.10 Td (suppliers ) Tj ET Q q 0 0 0 rg BT 113.61 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 131.52 322.10 Td (manufacturers ) Tj ET Q q 0 0 0 rg BT 195.00 322.10 Td (located ) Tj ET Q q 0 0 0 rg BT 226.78 322.10 Td (in ) Tj ET Q q 0 0 0 rg BT 237.13 322.10 Td (Asia ) Tj ET Q q 0 0 0 rg BT 257.82 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 275.73 322.10 Td (Mexico, ) Tj ET Q q 0 0 0 rg BT 311.13 322.10 Td (could ) Tj ET Q q 0 0 0 rg BT 336.26 322.10 Td (have ) Tj ET Q q 0 0 0 rg BT 358.05 322.10 Td (a ) Tj ET Q q 0 0 0 rg BT 365.41 322.10 Td (material ) Tj ET Q q 0 0 0 rg BT 402.20 322.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 435.65 322.10 Td (ef) Tj ET Q q 0 0 0 rg BT 443.24 322.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 460.58 322.10 Td (on ) Tj ET Q q 0 0 0 rg BT 473.49 322.10 Td (us.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.45 322.10 Td () Tj ET Q q 0 0 0 rg BT 487.76 322.10 Td (The ) Tj ET Q q 0 0 0 rg BT 505.66 322.10 Td (success ) Tj ET Q q 0 0 0 rg BT 538.01 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 548.69 322.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (business ) Tj ET Q q 0 0 0 rg BT 85.88 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 102.30 310.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 132.62 310.10 Td (strategies ) Tj ET Q q 0 0 0 rg BT 172.37 310.10 Td (depends ) Tj ET Q q 0 0 0 rg BT 207.12 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 216.89 310.10 Td (a ) Tj ET Q q 0 0 0 rg BT 223.31 310.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 267.51 310.10 Td (degree ) Tj ET Q q 0 0 0 rg BT 296.14 310.10 Td (on ) Tj ET Q q 0 0 0 rg BT 308.13 310.10 Td (our ) Tj ET Q q 0 0 0 rg BT 323.45 310.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 376.54 310.10 Td (with ) Tj ET Q q 0 0 0 rg BT 396.30 310.10 Td (our ) Tj ET Q q 0 0 0 rg BT 411.62 310.10 Td (suppliers, ) Tj ET Q q 0 0 0 rg BT 452.21 310.10 Td (particularly ) Tj ET Q q 0 0 0 rg BT 500.29 310.10 Td (our ) Tj ET Q q 0 0 0 rg BT 515.60 310.10 Td (brand ) Tj ET Q q 0 0 0 rg BT 540.36 310.10 Td (name ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (suppliers. ) Tj ET Q q 0 0 0 rg BT 90.65 298.10 Td (W) Tj ET Q q 0 0 0 rg BT 99.29 298.10 Td (e ) Tj ET Q q 0 0 0 rg BT 105.93 298.10 Td (do ) Tj ET Q q 0 0 0 rg BT 118.13 298.10 Td (not ) Tj ET Q q 0 0 0 rg BT 133.11 298.10 Td (have ) Tj ET Q q 0 0 0 rg BT 154.19 298.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 195.83 298.10 Td (supply ) Tj ET Q q 0 0 0 rg BT 224.70 298.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 272.43 298.10 Td (or ) Tj ET Q q 0 0 0 rg BT 282.97 298.10 Td (exclusive ) Tj ET Q q 0 0 0 rg BT 322.93 298.10 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 379.00 298.10 Td (with ) Tj ET Q q 0 0 0 rg BT 398.98 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 413.40 298.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 449.48 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 460.01 298.10 Td (our ) Tj ET Q q 0 0 0 rg BT 475.54 298.10 Td (vendors. ) Tj ET Q q 0 0 0 rg BT 511.75 298.10 Td (W) Tj ET Q q 0 0 0 rg BT 520.38 298.10 Td (e ) Tj ET Q q 0 0 0 rg BT 527.03 298.10 Td (typically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (order ) Tj ET Q q 0 0 0 rg BT 74.72 286.10 Td (our ) Tj ET Q q 0 0 0 rg BT 91.67 286.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 133.62 286.10 Td (through ) Tj ET Q q 0 0 0 rg BT 168.34 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 184.18 286.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 221.68 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 233.63 286.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 277.80 286.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 316.96 286.10 Td (orders ) Tj ET Q q 0 0 0 rg BT 345.57 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 356.97 286.10 Td (vendors. ) Tj ET Q q 0 0 0 rg BT 394.49 286.10 Td (W) Tj ET Q q 0 0 0 rg BT 403.13 286.10 Td (e ) Tj ET Q q 0 0 0 rg BT 411.19 286.10 Td (have ) Tj ET Q q 0 0 0 rg BT 433.68 286.10 Td (no ) Tj ET Q q 0 0 0 rg BT 447.30 286.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 495.34 286.10 Td (assurance ) Tj ET Q q 0 0 0 rg BT 537.83 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 286.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 92.18 274.10 Td (supply ) Tj ET Q q 0 0 0 rg BT 121.59 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 132.66 274.10 Td (merchandise ) Tj ET Q q 0 0 0 rg BT 185.93 274.10 Td (we ) Tj ET Q q 0 0 0 rg BT 200.33 274.10 Td (currently) Tj ET Q q 0 0 0 rg BT 235.78 274.10 Td (, ) Tj ET Q q 0 0 0 rg BT 241.02 274.10 Td (or ) Tj ET Q q 0 0 0 rg BT 252.09 274.10 Td (would ) Tj ET Q q 0 0 0 rg BT 279.83 274.10 Td (like ) Tj ET Q q 0 0 0 rg BT 297.57 274.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 310.59 274.10 Td (of) Tj ET Q q 0 0 0 rg BT 318.74 274.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 332.58 274.10 Td (our ) Tj ET Q q 0 0 0 rg BT 348.65 274.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 394.24 274.10 Td (W) Tj ET Q q 0 0 0 rg BT 402.88 274.10 Td (e ) Tj ET Q q 0 0 0 rg BT 410.06 274.10 Td (also ) Tj ET Q q 0 0 0 rg BT 428.91 274.10 Td (rely ) Tj ET Q q 0 0 0 rg BT 447.20 274.10 Td (on ) Tj ET Q q 0 0 0 rg BT 459.94 274.10 Td (our ) Tj ET Q q 0 0 0 rg BT 476.01 274.10 Td (suppliers ) Tj ET Q q 0 0 0 rg BT 514.86 274.10 Td (for ) Tj ET Q q 0 0 0 rg BT 529.26 274.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 554.23 274.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.29 262.10 Td (form ) Tj ET Q q 0 0 0 rg BT 85.81 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 96.22 262.10 Td (vendor ) Tj ET Q q 0 0 0 rg BT 126.06 262.10 Td (allowances. ) Tj ET Q q 0 0 0 rg BT 174.92 262.10 Td (W) Tj ET Q q 0 0 0 rg BT 183.55 262.10 Td (e ) Tj ET Q q 0 0 0 rg BT 190.07 262.10 Td (may ) Tj ET Q q 0 0 0 rg BT 209.36 262.10 Td (be ) Tj ET Q q 0 0 0 rg BT 220.88 262.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 251.28 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 261.14 262.10 Td (rationing ) Tj ET Q q 0 0 0 rg BT 299.32 262.10 Td (by ) Tj ET Q q 0 0 0 rg BT 311.40 262.10 Td (suppliers ) Tj ET Q q 0 0 0 rg BT 349.58 262.10 Td (with ) Tj ET Q q 0 0 0 rg BT 369.44 262.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 399.83 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 409.69 262.10 Td (a ) Tj ET Q q 0 0 0 rg BT 416.21 262.10 Td (number ) Tj ET Q q 0 0 0 rg BT 448.83 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 459.24 262.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 489.65 262.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 537.84 262.10 Td (items. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.91 250.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 98.76 250.10 Td (while ) Tj ET Q q 0 0 0 rg BT 123.55 250.10 Td (we ) Tj ET Q q 0 0 0 rg BT 137.79 250.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 175.91 250.10 Td (products ) Tj ET Q q 0 0 0 rg BT 212.92 250.10 Td (from ) Tj ET Q q 0 0 0 rg BT 234.94 250.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 295.28 250.10 Td (100 ) Tj ET Q q 0 0 0 rg BT 312.86 250.10 Td (manufacturers ) Tj ET Q q 0 0 0 rg BT 372.63 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 389.64 250.10 Td (distributors, ) Tj ET Q q 0 0 0 rg BT 440.28 250.10 Td (we ) Tj ET Q q 0 0 0 rg BT 454.52 250.10 Td (rely ) Tj ET Q q 0 0 0 rg BT 472.64 250.10 Td (heavily ) Tj ET Q q 0 0 0 rg BT 504.65 250.10 Td (on ) Tj ET Q q 0 0 0 rg BT 517.23 250.10 Td (a ) Tj ET Q q 0 0 0 rg BT 524.25 250.10 Td (relatively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (small ) Tj ET Q q 0 0 0 rg BT 74.16 238.10 Td (number ) Tj ET Q q 0 0 0 rg BT 107.20 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 118.03 238.10 Td (suppliers. ) Tj ET Q q 0 0 0 rg BT 159.13 238.10 Td (For ) Tj ET Q q 0 0 0 rg BT 175.52 238.10 Td (example, ) Tj ET Q q 0 0 0 rg BT 214.38 238.10 Td (during ) Tj ET Q q 0 0 0 rg BT 242.99 238.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 267.14 238.10 Td (year ) Tj ET Q q 0 0 0 rg BT 286.84 238.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 311.84 238.10 Td (62.0% ) Tj ET Q q 0 0 0 rg BT 340.16 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 350.99 238.10 Td (our ) Tj ET Q q 0 0 0 rg BT 366.81 238.10 Td (total ) Tj ET Q q 0 0 0 rg BT 387.08 238.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 427.90 238.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 469.82 238.10 Td (were ) Tj ET Q q 0 0 0 rg BT 491.75 238.10 Td (from ) Tj ET Q q 0 0 0 rg BT 513.68 238.10 Td (six ) Tj ET Q q 0 0 0 rg BT 527.85 238.10 Td (vendors. ) Tj ET Q q 0 0 0 rg BT 564.51 238.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.16 226.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 86.33 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 97.27 226.10 Td (any ) Tj ET Q q 0 0 0 rg BT 114.32 226.10 Td (one ) Tj ET Q q 0 0 0 rg BT 131.36 226.10 Td (or ) Tj ET Q q 0 0 0 rg BT 142.30 226.10 Td (more ) Tj ET Q q 0 0 0 rg BT 165.46 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 176.40 226.10 Td (our ) Tj ET Q q 0 0 0 rg BT 192.34 226.10 Td (key ) Tj ET Q q 0 0 0 rg BT 209.39 226.10 Td (suppliers ) Tj ET Q q 0 0 0 rg BT 248.11 226.10 Td (or ) Tj ET Q q 0 0 0 rg BT 259.05 226.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 287.75 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 298.14 226.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 335.74 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 352.79 226.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 390.39 226.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 444.11 226.10 Td (with ) Tj ET Q q 0 0 0 rg BT 464.49 226.10 Td (these ) Tj ET Q q 0 0 0 rg BT 487.65 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 504.70 226.10 Td (other ) Tj ET Q q 0 0 0 rg BT 527.86 226.10 Td (vendors, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.85 214.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 112.04 214.10 Td (on ) Tj ET Q q 0 0 0 rg BT 124.45 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 139.07 214.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 186.47 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 197.21 214.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 237.94 214.10 Td (or ) Tj ET Q q 0 0 0 rg BT 248.68 214.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 274.41 214.10 Td (parts, ) Tj ET Q q 0 0 0 rg BT 298.75 214.10 Td (could ) Tj ET Q q 0 0 0 rg BT 323.38 214.10 Td (have ) Tj ET Q q 0 0 0 rg BT 344.67 214.10 Td (a ) Tj ET Q q 0 0 0 rg BT 351.52 214.10 Td (material ) Tj ET Q q 0 0 0 rg BT 386.68 214.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 419.63 214.10 Td (ef) Tj ET Q q 0 0 0 rg BT 427.22 214.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 444.61 214.10 Td (on ) Tj ET Q q 0 0 0 rg BT 457.02 214.10 Td (our ) Tj ET Q q 0 0 0 rg BT 472.76 214.10 Td (supply ) Tj ET Q q 0 0 0 rg BT 501.84 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 518.69 214.10 Td (assortment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.10 202.10 Td (products, ) Tj ET Q q 0 0 0 rg BT 100.82 202.10 Td (as ) Tj ET Q q 0 0 0 rg BT 111.92 202.10 Td (we ) Tj ET Q q 0 0 0 rg BT 126.35 202.10 Td (may ) Tj ET Q q 0 0 0 rg BT 146.34 202.10 Td (not ) Tj ET Q q 0 0 0 rg BT 161.89 202.10 Td (be ) Tj ET Q q 0 0 0 rg BT 174.11 202.10 Td (able ) Tj ET Q q 0 0 0 rg BT 193.54 202.10 Td (to ) Tj ET Q q 0 0 0 rg BT 204.09 202.10 Td (find ) Tj ET Q q 0 0 0 rg BT 222.97 202.10 Td (suitable ) Tj ET Q q 0 0 0 rg BT 256.85 202.10 Td (replacements ) Tj ET Q q 0 0 0 rg BT 312.37 202.10 Td (to ) Tj ET Q q 0 0 0 rg BT 322.92 202.10 Td (supply ) Tj ET Q q 0 0 0 rg BT 352.36 202.10 Td (products ) Tj ET Q q 0 0 0 rg BT 389.58 202.10 Td (at ) Tj ET Q q 0 0 0 rg BT 399.57 202.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 449.55 202.10 Td (prices, ) Tj ET Q q 0 0 0 rg BT 478.70 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 495.91 202.10 Td (on ) Tj ET Q q 0 0 0 rg BT 508.68 202.10 Td (our ) Tj ET Q q 0 0 0 rg BT 524.79 202.10 Td (results ) Tj ET Q q 0 0 0 rg BT 553.67 202.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 94.16 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 111.09 190.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 148.57 190.10 Td (condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (If ) Tj ET Q q 0 0 0 rg BT 58.59 172.10 Td (one ) Tj ET Q q 0 0 0 rg BT 74.96 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 85.22 172.10 Td (our ) Tj ET Q q 0 0 0 rg BT 100.48 172.10 Td (vendors ) Tj ET Q q 0 0 0 rg BT 134.07 172.10 Td (were ) Tj ET Q q 0 0 0 rg BT 155.43 172.10 Td (to ) Tj ET Q q 0 0 0 rg BT 165.14 172.10 Td (go ) Tj ET Q q 0 0 0 rg BT 177.07 172.10 Td (out ) Tj ET Q q 0 0 0 rg BT 191.78 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 202.04 172.10 Td (business ) Tj ET Q q 0 0 0 rg BT 237.86 172.10 Td (or ) Tj ET Q q 0 0 0 rg BT 248.12 172.10 Td (were ) Tj ET Q q 0 0 0 rg BT 269.48 172.10 Td (to ) Tj ET Q q 0 0 0 rg BT 279.19 172.10 Td (be ) Tj ET Q q 0 0 0 rg BT 290.55 172.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 319.14 172.10 Td (to ) Tj ET Q q 0 0 0 rg BT 328.85 172.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 349.11 172.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 384.93 172.10 Td (due ) Tj ET Q q 0 0 0 rg BT 401.29 172.10 Td (to ) Tj ET Q q 0 0 0 rg BT 411.00 172.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 424.32 172.10 Td (including ) Tj ET Q q 0 0 0 rg BT 464.03 172.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 504.28 172.10 Td (due ) Tj ET Q q 0 0 0 rg BT 520.65 172.10 Td (for ) Tj ET Q q 0 0 0 rg BT 534.24 172.10 Td (returns ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.93 160.10 Td (product ) Tj ET Q q 0 0 0 rg BT 96.08 160.10 Td (and ) Tj ET Q q 0 0 0 rg BT 114.13 160.10 Td (warranty ) Tj ET Q q 0 0 0 rg BT 153.27 160.10 Td (claims, ) Tj ET Q q 0 0 0 rg BT 185.47 160.10 Td (it ) Tj ET Q q 0 0 0 rg BT 194.63 160.10 Td (could ) Tj ET Q q 0 0 0 rg BT 220.45 160.10 Td (have ) Tj ET Q q 0 0 0 rg BT 242.93 160.10 Td (a ) Tj ET Q q 0 0 0 rg BT 250.98 160.10 Td (material ) Tj ET Q q 0 0 0 rg BT 287.34 160.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 321.48 160.10 Td (ef) Tj ET Q q 0 0 0 rg BT 329.07 160.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 347.66 160.10 Td (on ) Tj ET Q q 0 0 0 rg BT 361.26 160.10 Td (our ) Tj ET Q q 0 0 0 rg BT 378.19 160.10 Td (results ) Tj ET Q q 0 0 0 rg BT 407.91 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 419.84 160.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 465.10 160.10 Td (and ) Tj ET Q q 0 0 0 rg BT 483.14 160.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 521.72 160.10 Td (condition. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (Catastrophic ) Tj ET Q q 0 0 0 rg BT 102.56 148.10 Td (or ) Tj ET Q q 0 0 0 rg BT 112.92 148.10 Td (other ) Tj ET Q q 0 0 0 rg BT 135.48 148.10 Td (unforeseen ) Tj ET Q q 0 0 0 rg BT 181.37 148.10 Td (events, ) Tj ET Q q 0 0 0 rg BT 211.44 148.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 245.67 148.10 Td (inside ) Tj ET Q q 0 0 0 rg BT 271.58 148.10 Td (or ) Tj ET Q q 0 0 0 rg BT 281.93 148.10 Td (outside ) Tj ET Q q 0 0 0 rg BT 312.84 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 327.08 148.10 Td (United ) Tj ET Q q 0 0 0 rg BT 356.31 148.10 Td (States, ) Tj ET Q q 0 0 0 rg BT 384.72 148.10 Td (could ) Tj ET Q q 0 0 0 rg BT 408.96 148.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 451.52 148.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 491.86 148.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 521.09 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 535.33 148.10 Td (supply ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.64 136.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 101.60 136.10 Td (to ) Tj ET Q q 0 0 0 rg BT 111.58 136.10 Td (us ) Tj ET Q q 0 0 0 rg BT 122.68 136.10 Td (of ) Tj ET Q q 0 0 0 rg BT 133.21 136.10 Td (products ) Tj ET Q q 0 0 0 rg BT 169.85 136.10 Td (manufactured ) Tj ET Q q 0 0 0 rg BT 227.02 136.10 Td (far ) Tj ET Q q 0 0 0 rg BT 240.32 136.10 Td (from ) Tj ET Q q 0 0 0 rg BT 261.96 136.10 Td (our ) Tj ET Q q 0 0 0 rg BT 277.49 136.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 299.13 136.10 Td (facilities, ) Tj ET Q q 0 0 0 rg BT 338.26 136.10 Td (including ) Tj ET Q q 0 0 0 rg BT 378.23 136.10 Td (manufacturers ) Tj ET Q q 0 0 0 rg BT 437.63 136.10 Td (or ) Tj ET Q q 0 0 0 rg BT 448.16 136.10 Td (suppliers ) Tj ET Q q 0 0 0 rg BT 486.47 136.10 Td (located ) Tj ET Q q 0 0 0 rg BT 517.54 136.10 Td (in ) Tj ET Q q 0 0 0 rg BT 527.04 136.10 Td (Asia ) Tj ET Q q 0 0 0 rg BT 547.57 136.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (Mexico, ) Tj ET Q q 0 0 0 rg BT 85.37 124.10 Td (which ) Tj ET Q q 0 0 0 rg BT 112.13 124.10 Td (could ) Tj ET Q q 0 0 0 rg BT 136.67 124.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 179.53 124.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 220.16 124.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 249.70 124.10 Td (our ) Tj ET Q q 0 0 0 rg BT 265.35 124.10 Td (results ) Tj ET Q q 0 0 0 rg BT 293.78 124.10 Td (of ) Tj ET Q q 0 0 0 rg BT 304.43 124.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 350.91 124.10 Td (In ) Tj ET Q q 0 0 0 rg BT 361.56 124.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 399.16 124.10 Td (because ) Tj ET Q q 0 0 0 rg BT 433.12 124.10 Td (many ) Tj ET Q q 0 0 0 rg BT 457.66 124.10 Td (of ) Tj ET Q q 0 0 0 rg BT 468.31 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 482.85 124.10 Td (products ) Tj ET Q q 0 0 0 rg BT 519.61 124.10 Td (we ) Tj ET Q q 0 0 0 rg BT 533.59 124.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 549.80 124.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (manufactured ) Tj ET Q q 0 0 0 rg BT 107.02 112.10 Td (outside ) Tj ET Q q 0 0 0 rg BT 137.96 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 148.35 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 162.62 112.10 Td (United ) Tj ET Q q 0 0 0 rg BT 191.89 112.10 Td (States, ) Tj ET Q q 0 0 0 rg BT 220.33 112.10 Td (we ) Tj ET Q q 0 0 0 rg BT 234.04 112.10 Td (may ) Tj ET Q q 0 0 0 rg BT 253.31 112.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 298.66 112.10 Td (labor ) Tj ET Q q 0 0 0 rg BT 321.26 112.10 Td (unrest ) Tj ET Q q 0 0 0 rg BT 347.76 112.10 Td (or ) Tj ET Q q 0 0 0 rg BT 358.14 112.10 Td (an ) Tj ET Q q 0 0 0 rg BT 369.63 112.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 404.44 112.10 Td (in ) Tj ET Q q 0 0 0 rg BT 414.27 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 428.54 112.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 446.70 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 457.08 112.10 Td (imported ) Tj ET Q q 0 0 0 rg BT 495.24 112.10 Td (vendor ) Tj ET Q q 0 0 0 rg BT 525.06 112.10 Td (products, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (including ) Tj ET Q q 0 0 0 rg BT 90.14 100.10 Td (border ) Tj ET Q q 0 0 0 rg BT 118.61 100.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 141.53 100.10 Td (or ) Tj ET Q q 0 0 0 rg BT 152.23 100.10 Td (tarif) Tj ET Q q 0 0 0 rg BT 168.70 100.10 Td (fs, ) Tj ET Q q 0 0 0 rg BT 180.79 100.10 Td (at ) Tj ET Q q 0 0 0 rg BT 190.38 100.10 Td (any ) Tj ET Q q 0 0 0 rg BT 207.19 100.10 Td (time ) Tj ET Q q 0 0 0 rg BT 227.33 100.10 Td (for ) Tj ET Q q 0 0 0 rg BT 241.36 100.10 Td (reasons ) Tj ET Q q 0 0 0 rg BT 273.72 100.10 Td (beyond ) Tj ET Q q 0 0 0 rg BT 305.53 100.10 Td (our ) Tj ET Q q 0 0 0 rg BT 321.23 100.10 Td (control. ) Tj ET Q q 0 0 0 rg BT 353.90 100.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 373.49 100.10 Td (slow-downs, ) Tj ET Q q 0 0 0 rg BT 426.70 100.10 Td (disruptions ) Tj ET Q q 0 0 0 rg BT 473.51 100.10 Td (or ) Tj ET Q q 0 0 0 rg BT 484.21 100.10 Td (strikes ) Tj ET Q q 0 0 0 rg BT 512.69 100.10 Td (at ) Tj ET Q q 0 0 0 rg BT 522.28 100.10 Td (any ) Tj ET Q q 0 0 0 rg BT 539.09 100.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 100.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (ports ) Tj ET Q q 0 0 0 rg BT 71.83 88.10 Td (may ) Tj ET Q q 0 0 0 rg BT 90.88 88.10 Td (have ) Tj ET Q q 0 0 0 rg BT 111.59 88.10 Td (a ) Tj ET Q q 0 0 0 rg BT 117.87 88.10 Td (material ) Tj ET Q q 0 0 0 rg BT 152.46 88.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 184.83 88.10 Td (ef) Tj ET Q q 0 0 0 rg BT 192.42 88.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 209.24 88.10 Td (on ) Tj ET Q q 0 0 0 rg BT 221.07 88.10 Td (our ) Tj ET Q q 0 0 0 rg BT 236.23 88.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 289.17 88.10 Td (with ) Tj ET Q q 0 0 0 rg BT 308.78 88.10 Td (our ) Tj ET Q q 0 0 0 rg BT 323.95 88.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 366.33 88.10 Td (and ) Tj ET Q q 0 0 0 rg BT 382.60 88.10 Td (our ) Tj ET Q q 0 0 0 rg BT 397.76 88.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 435.99 88.10 Td (potentially ) Tj ET Q q 0 0 0 rg BT 480.59 88.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 517.42 88.10 Td (in ) Tj ET Q q 0 0 0 rg BT 527.03 88.10 Td (canceled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (orders ) Tj ET Q q 0 0 0 rg BT 76.63 76.10 Td (by ) Tj ET Q q 0 0 0 rg BT 88.27 76.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 130.46 76.10 Td (and ) Tj ET Q q 0 0 0 rg BT 146.54 76.10 Td (reduced ) Tj ET Q q 0 0 0 rg BT 179.83 76.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 217.01 76.10 Td (and ) Tj ET Q q 0 0 0 rg BT 233.09 76.10 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 271.11 76.10 Td (If ) Tj ET Q q 0 0 0 rg BT 279.41 76.10 Td (imported ) Tj ET Q q 0 0 0 rg BT 317.16 76.10 Td (merchandise ) Tj ET Q q 0 0 0 rg BT 369.33 76.10 Td (becomes ) Tj ET Q q 0 0 0 rg BT 405.96 76.10 Td (more ) Tj ET Q q 0 0 0 rg BT 428.15 76.10 Td (expensive, ) Tj ET Q q 0 0 0 rg BT 472.28 76.10 Td (unavailable ) Tj ET Q q 0 0 0 rg BT 520.01 76.10 Td (or ) Tj ET Q q 0 0 0 rg BT 529.98 76.10 Td (dif) Tj ET Q q 0 0 0 rg BT 540.91 76.10 Td (ficult ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.57 64.10 Td (obtain, ) Tj ET Q q 0 0 0 rg BT 88.85 64.10 Td (we ) Tj ET Q q 0 0 0 rg BT 102.30 64.10 Td (may ) Tj ET Q q 0 0 0 rg BT 121.31 64.10 Td (not ) Tj ET Q q 0 0 0 rg BT 135.88 64.10 Td (be ) Tj ET Q q 0 0 0 rg BT 147.10 64.10 Td (able ) Tj ET Q q 0 0 0 rg BT 165.55 64.10 Td (to ) Tj ET Q q 0 0 0 rg BT 175.12 64.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 196.34 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 210.35 64.10 Td (demands ) Tj ET Q q 0 0 0 rg BT 247.68 64.10 Td (of ) Tj ET Q q 0 0 0 rg BT 257.80 64.10 Td (our ) Tj ET Q q 0 0 0 rg BT 272.92 64.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 317.76 64.10 Td (Products ) Tj ET Q q 0 0 0 rg BT 354.55 64.10 Td (from ) Tj ET Q q 0 0 0 rg BT 375.78 64.10 Td (alternative ) Tj ET Q q 0 0 0 rg BT 419.76 64.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 451.54 64.10 Td (may ) Tj ET Q q 0 0 0 rg BT 470.55 64.10 Td (also ) Tj ET Q q 0 0 0 rg BT 488.45 64.10 Td (be ) Tj ET Q q 0 0 0 rg BT 499.68 64.10 Td (more ) Tj ET Q q 0 0 0 rg BT 522.01 64.10 Td (expensive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 52.10 Td (than ) Tj ET Q q 0 0 0 rg BT 69.72 52.10 Td (those ) Tj ET Q q 0 0 0 rg BT 93.33 52.10 Td (our ) Tj ET Q q 0 0 0 rg BT 109.16 52.10 Td (vendors ) Tj ET Q q 0 0 0 rg BT 143.32 52.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 181.91 52.10 Td (import.) Tj ET Q endstream endobj 45 0 obj <>] /Rotate 0 /Contents 46 0 R>> endobj 46 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.57 742.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 97.15 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 107.95 742.10 Td (enter ) Tj ET Q q 0 0 0 rg BT 130.96 742.10 Td (new ) Tj ET Q q 0 0 0 rg BT 150.64 742.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 185.32 742.10 Td (successfully ) Tj ET Q q 0 0 0 rg BT 237.22 742.10 Td (depends, ) Tj ET Q q 0 0 0 rg BT 275.51 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 286.31 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 293.77 742.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 339.00 742.10 Td (extent, ) Tj ET Q q 0 0 0 rg BT 368.96 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 381.98 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 397.22 742.10 Td (willingness ) Tj ET Q q 0 0 0 rg BT 445.80 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 463.26 742.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 491.84 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 503.19 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 519.54 742.10 Td (vendors ) Tj ET Q q 0 0 0 rg BT 554.22 742.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (supply ) Tj ET Q q 0 0 0 rg BT 79.07 730.10 Td (merchandise ) Tj ET Q q 0 0 0 rg BT 132.00 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 142.17 730.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 184.56 730.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 233.07 730.10 Td (centers ) Tj ET Q q 0 0 0 rg BT 263.78 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 280.62 730.10 Td (stores. ) Tj ET Q q 0 0 0 rg BT 308.85 730.10 Td (If ) Tj ET Q q 0 0 0 rg BT 317.91 730.10 Td (vendors ) Tj ET Q q 0 0 0 rg BT 351.96 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 366.57 730.10 Td (unwilling ) Tj ET Q q 0 0 0 rg BT 407.30 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 418.03 730.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 447.08 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 457.26 730.10 Td (supply ) Tj ET Q q 0 0 0 rg BT 486.32 730.10 Td (some ) Tj ET Q q 0 0 0 rg BT 509.83 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 520.56 730.10 Td (all ) Tj ET Q q 0 0 0 rg BT 532.95 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 543.68 730.10 Td (their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (products ) Tj ET Q q 0 0 0 rg BT 86.94 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 97.22 718.10 Td (us ) Tj ET Q q 0 0 0 rg BT 108.61 718.10 Td (at ) Tj ET Q q 0 0 0 rg BT 118.33 718.10 Td (acceptable ) Tj ET Q q 0 0 0 rg BT 163.01 718.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 189.39 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 199.67 718.10 Td (one ) Tj ET Q q 0 0 0 rg BT 216.61 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 227.44 718.10 Td (more ) Tj ET Q q 0 0 0 rg BT 250.48 718.10 Td (markets, ) Tj ET Q q 0 0 0 rg BT 287.14 718.10 Td (we ) Tj ET Q q 0 0 0 rg BT 301.30 718.10 Td (could ) Tj ET Q q 0 0 0 rg BT 326.02 718.10 Td (be ) Tj ET Q q 0 0 0 rg BT 337.95 718.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 380.99 718.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 421.81 718.10 Td (af) Tj ET Q q 0 0 0 rg BT 429.39 718.10 Td (fected.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (Furthermore, ) Tj ET Q q 0 0 0 rg BT 104.08 700.10 Td (we ) Tj ET Q q 0 0 0 rg BT 117.33 700.10 Td (rely ) Tj ET Q q 0 0 0 rg BT 134.46 700.10 Td (on ) Tj ET Q q 0 0 0 rg BT 146.06 700.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 170.41 700.10 Td (from ) Tj ET Q q 0 0 0 rg BT 191.44 700.10 Td (vendors ) Tj ET Q q 0 0 0 rg BT 224.69 700.10 Td (to ) Tj ET Q q 0 0 0 rg BT 234.06 700.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 271.19 700.10 Td (our ) Tj ET Q q 0 0 0 rg BT 286.11 700.10 Td (products. ) Tj ET Q q 0 0 0 rg BT 324.29 700.10 Td (A) Tj ET Q q 0 0 0 rg BT 330.96 700.10 Td ( ) Tj ET Q q 0 0 0 rg BT 332.55 700.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 376.91 700.10 Td (change ) Tj ET Q q 0 0 0 rg BT 406.82 700.10 Td (in ) Tj ET Q q 0 0 0 rg BT 416.19 700.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 440.54 700.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 464.35 700.10 Td (from ) Tj ET Q q 0 0 0 rg BT 485.38 700.10 Td (vendors ) Tj ET Q q 0 0 0 rg BT 518.63 700.10 Td (or ) Tj ET Q q 0 0 0 rg BT 528.55 700.10 Td (vendors' ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (willingness ) Tj ET Q q 0 0 0 rg BT 98.47 688.10 Td (to ) Tj ET Q q 0 0 0 rg BT 109.16 688.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 138.72 688.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 164.39 688.10 Td (to ) Tj ET Q q 0 0 0 rg BT 175.08 688.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 189.38 688.10 Td (including ) Tj ET Q q 0 0 0 rg BT 230.07 688.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 271.87 688.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 313.10 688.10 Td (under ) Tj ET Q q 0 0 0 rg BT 338.78 688.10 Td (consignment ) Tj ET Q q 0 0 0 rg BT 392.79 688.10 Td (arrangements, ) Tj ET Q q 0 0 0 rg BT 452.07 688.10 Td (would ) Tj ET Q q 0 0 0 rg BT 479.98 688.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 509.53 688.10 Td (our ) Tj ET Q q 0 0 0 rg BT 525.77 688.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 554.23 688.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 77.44 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 92.10 676.10 Td (merchandise ) Tj ET Q q 0 0 0 rg BT 145.07 676.10 Td (that ) Tj ET Q q 0 0 0 rg BT 162.51 676.10 Td (we ) Tj ET Q q 0 0 0 rg BT 176.61 676.10 Td (sell, ) Tj ET Q q 0 0 0 rg BT 195.44 676.10 Td (which ) Tj ET Q q 0 0 0 rg BT 222.32 676.10 Td (could ) Tj ET Q q 0 0 0 rg BT 246.98 676.10 Td (have ) Tj ET Q q 0 0 0 rg BT 268.30 676.10 Td (a ) Tj ET Q q 0 0 0 rg BT 275.19 676.10 Td (material ) Tj ET Q q 0 0 0 rg BT 310.39 676.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 343.37 676.10 Td (ef) Tj ET Q q 0 0 0 rg BT 350.96 676.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 368.38 676.10 Td (on ) Tj ET Q q 0 0 0 rg BT 380.83 676.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 394.66 676.10 Td (In ) Tj ET Q q 0 0 0 rg BT 405.43 676.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 443.15 676.10 Td (if ) Tj ET Q q 0 0 0 rg BT 451.70 676.10 Td (our ) Tj ET Q q 0 0 0 rg BT 467.47 676.10 Td (vendors ) Tj ET Q q 0 0 0 rg BT 501.58 676.10 Td (fail ) Tj ET Q q 0 0 0 rg BT 517.35 676.10 Td (to ) Tj ET Q q 0 0 0 rg BT 527.57 676.10 Td (continue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.85 664.10 Td (of) Tj ET Q q 0 0 0 rg BT 69.00 664.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 83.18 664.10 Td (vendor ) Tj ET Q q 0 0 0 rg BT 114.02 664.10 Td (allowances, ) Tj ET Q q 0 0 0 rg BT 164.02 664.10 Td (or ) Tj ET Q q 0 0 0 rg BT 175.42 664.10 Td (we ) Tj ET Q q 0 0 0 rg BT 190.16 664.10 Td (are ) Tj ET Q q 0 0 0 rg BT 205.44 664.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 245.72 664.10 Td (in ) Tj ET Q q 0 0 0 rg BT 256.57 664.10 Td (our ) Tj ET Q q 0 0 0 rg BT 272.98 664.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 301.61 664.10 Td (to ) Tj ET Q q 0 0 0 rg BT 312.46 664.10 Td (earn ) Tj ET Q q 0 0 0 rg BT 332.74 664.10 Td (such ) Tj ET Q q 0 0 0 rg BT 354.15 664.10 Td (funds, ) Tj ET Q q 0 0 0 rg BT 381.94 664.10 Td (our ) Tj ET Q q 0 0 0 rg BT 398.35 664.10 Td (results ) Tj ET Q q 0 0 0 rg BT 427.53 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 438.94 664.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 483.67 664.10 Td (could ) Tj ET Q q 0 0 0 rg BT 508.96 664.10 Td (be ) Tj ET Q q 0 0 0 rg BT 521.47 664.10 Td (materially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 90.82 652.10 Td (af) Tj ET Q q 0 0 0 rg BT 98.40 652.10 Td (fected.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.76 634.10 Td (urmoil ) Tj ET Q q 0 0 0 rg BT 84.36 634.10 Td (in ) Tj ET Q q 0 0 0 rg BT 94.08 634.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 130.99 634.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 164.59 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 180.96 634.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 221.77 634.10 Td (disruptions ) Tj ET Q q 0 0 0 rg BT 268.16 634.10 Td (in ) Tj ET Q q 0 0 0 rg BT 277.87 634.10 Td (other ) Tj ET Q q 0 0 0 rg BT 300.36 634.10 Td (parts ) Tj ET Q q 0 0 0 rg BT 321.73 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 332.00 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 346.16 634.10 Td (world ) Tj ET Q q 0 0 0 rg BT 371.42 634.10 Td (may ) Tj ET Q q 0 0 0 rg BT 390.58 634.10 Td (also ) Tj ET Q q 0 0 0 rg BT 408.62 634.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 452.21 634.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 481.36 634.10 Td (our ) Tj ET Q q 0 0 0 rg BT 496.63 634.10 Td (suppliers' ) Tj ET Q q 0 0 0 rg BT 536.48 634.10 Td (access ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.73 622.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 88.33 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 104.72 622.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 140.56 622.10 Td (with ) Tj ET Q q 0 0 0 rg BT 160.29 622.10 Td (which ) Tj ET Q q 0 0 0 rg BT 186.67 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 196.40 622.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 233.34 622.10 Td (their ) Tj ET Q q 0 0 0 rg BT 253.62 622.10 Td (inventory) Tj ET Q q 0 0 0 rg BT 291.29 622.10 Td (, ) Tj ET Q q 0 0 0 rg BT 295.74 622.10 Td (production ) Tj ET Q q 0 0 0 rg BT 341.02 622.10 Td (levels, ) Tj ET Q q 0 0 0 rg BT 368.79 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 385.18 622.10 Td (product ) Tj ET Q q 0 0 0 rg BT 417.68 622.10 Td (quality) Tj ET Q q 0 0 0 rg BT 444.80 622.10 Td (, ) Tj ET Q q 0 0 0 rg BT 449.25 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 465.64 622.10 Td (operate ) Tj ET Q q 0 0 0 rg BT 497.01 622.10 Td (their ) Tj ET Q q 0 0 0 rg BT 517.29 622.10 Td (businesses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (all ) Tj ET Q q 0 0 0 rg BT 62.95 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 74.23 610.10 Td (which ) Tj ET Q q 0 0 0 rg BT 101.62 610.10 Td (could ) Tj ET Q q 0 0 0 rg BT 126.79 610.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 170.28 610.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 211.54 610.10 Td (af) Tj ET Q q 0 0 0 rg BT 219.13 610.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 237.07 610.10 Td (our ) Tj ET Q q 0 0 0 rg BT 253.35 610.10 Td (supply ) Tj ET Q q 0 0 0 rg BT 282.97 610.10 Td (chain. ) Tj ET Q q 0 0 0 rg BT 310.08 610.10 Td (It ) Tj ET Q q 0 0 0 rg BT 319.14 610.10 Td (may ) Tj ET Q q 0 0 0 rg BT 339.31 610.10 Td (also ) Tj ET Q q 0 0 0 rg BT 358.37 610.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 383.53 610.10 Td (them ) Tj ET Q q 0 0 0 rg BT 406.47 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 417.20 610.10 Td (change ) Tj ET Q q 0 0 0 rg BT 448.47 610.10 Td (their ) Tj ET Q q 0 0 0 rg BT 469.75 610.10 Td (pricing ) Tj ET Q q 0 0 0 rg BT 501.02 610.10 Td (policies, ) Tj ET Q q 0 0 0 rg BT 537.58 610.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (could ) Tj ET Q q 0 0 0 rg BT 74.83 598.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 115.76 598.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 145.59 598.10 Td (demand ) Tj ET Q q 0 0 0 rg BT 179.85 598.10 Td (for ) Tj ET Q q 0 0 0 rg BT 194.13 598.10 Td (their ) Tj ET Q q 0 0 0 rg BT 215.07 598.10 Td (products. ) Tj ET Q q 0 0 0 rg BT 254.62 598.10 Td (Economic ) Tj ET Q q 0 0 0 rg BT 297.78 598.10 Td (disruptions ) Tj ET Q q 0 0 0 rg BT 344.84 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 361.89 598.10 Td (market ) Tj ET Q q 0 0 0 rg BT 392.27 598.10 Td (instability ) Tj ET Q q 0 0 0 rg BT 434.88 598.10 Td (may ) Tj ET Q q 0 0 0 rg BT 454.71 598.10 Td (make ) Tj ET Q q 0 0 0 rg BT 478.98 598.10 Td (it ) Tj ET Q q 0 0 0 rg BT 487.15 598.10 Td (dif) Tj ET Q q 0 0 0 rg BT 498.08 598.10 Td (ficult ) Tj ET Q q 0 0 0 rg BT 521.80 598.10 Td (for ) Tj ET Q q 0 0 0 rg BT 536.07 598.10 Td (us ) Tj ET Q q 0 0 0 rg BT 547.58 598.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.23 586.10 Td (suppliers ) Tj ET Q q 0 0 0 rg BT 103.24 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 112.92 586.10 Td (accurately ) Tj ET Q q 0 0 0 rg BT 155.90 586.10 Td (forecast ) Tj ET Q q 0 0 0 rg BT 189.45 586.10 Td (future ) Tj ET Q q 0 0 0 rg BT 215.22 586.10 Td (product ) Tj ET Q q 0 0 0 rg BT 247.67 586.10 Td (demand ) Tj ET Q q 0 0 0 rg BT 281.23 586.10 Td (trends, ) Tj ET Q q 0 0 0 rg BT 310.07 586.10 Td (which ) Tj ET Q q 0 0 0 rg BT 336.41 586.10 Td (could ) Tj ET Q q 0 0 0 rg BT 360.52 586.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 384.63 586.10 Td (us ) Tj ET Q q 0 0 0 rg BT 395.42 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 405.10 586.10 Td (carry ) Tj ET Q q 0 0 0 rg BT 427.54 586.10 Td (too ) Tj ET Q q 0 0 0 rg BT 442.22 586.10 Td (much ) Tj ET Q q 0 0 0 rg BT 466.34 586.10 Td (or ) Tj ET Q q 0 0 0 rg BT 476.57 586.10 Td (too ) Tj ET Q q 0 0 0 rg BT 491.25 586.10 Td (little ) Tj ET Q q 0 0 0 rg BT 511.48 586.10 Td (merchandise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 61.26 574.10 Td (various ) Tj ET Q q 0 0 0 rg BT 94.19 574.10 Td (product ) Tj ET Q q 0 0 0 rg BT 128.22 574.10 Td (categories. ) Tj ET Q q 0 0 0 rg BT 174.74 574.10 Td (In ) Tj ET Q q 0 0 0 rg BT 186.55 574.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 225.31 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 236.58 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 252.28 574.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 280.20 574.10 Td (that ) Tj ET Q q 0 0 0 rg BT 298.68 574.10 Td (any ) Tj ET Q q 0 0 0 rg BT 316.60 574.10 Td (manufacturer ) Tj ET Q q 0 0 0 rg BT 373.39 574.10 Td (utilizes ) Tj ET Q q 0 0 0 rg BT 405.75 574.10 Td (labor ) Tj ET Q q 0 0 0 rg BT 429.79 574.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 468.80 574.10 Td (that ) Tj ET Q q 0 0 0 rg BT 487.28 574.10 Td (are ) Tj ET Q q 0 0 0 rg BT 502.98 574.10 Td (not ) Tj ET Q q 0 0 0 rg BT 519.24 574.10 Td (commonly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (accepted ) Tj ET Q q 0 0 0 rg BT 87.47 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 97.75 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 112.47 562.10 Td (United ) Tj ET Q q 0 0 0 rg BT 142.18 562.10 Td (States, ) Tj ET Q q 0 0 0 rg BT 171.07 562.10 Td (we ) Tj ET Q q 0 0 0 rg BT 185.23 562.10 Td (could ) Tj ET Q q 0 0 0 rg BT 209.95 562.10 Td (be ) Tj ET Q q 0 0 0 rg BT 221.88 562.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 264.92 562.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 305.74 562.10 Td (af) Tj ET Q q 0 0 0 rg BT 313.33 562.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 340.25 562.10 Td (by ) Tj ET Q q 0 0 0 rg BT 352.75 562.10 Td (any ) Tj ET Q q 0 0 0 rg BT 369.69 562.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 407.18 562.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 443.55 562.10 Td (publicity) Tj ET Q q 0 0 0 rg BT 478.46 562.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 69.08 544.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 105.39 544.10 Td (in ) Tj ET Q q 0 0 0 rg BT 116.14 544.10 Td (same ) Tj ET Q q 0 0 0 rg BT 139.65 544.10 Td (store ) Tj ET Q q 0 0 0 rg BT 162.06 544.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 184.47 544.10 Td (fluctuate ) Tj ET Q q 0 0 0 rg BT 223.55 544.10 Td (significantly) Tj ET Q q 0 0 0 rg BT 274.29 544.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.79 544.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 297.25 544.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 336.87 544.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 371.49 544.10 Td (in ) Tj ET Q q 0 0 0 rg BT 381.68 544.10 Td (same ) Tj ET Q q 0 0 0 rg BT 404.63 544.10 Td (store ) Tj ET Q q 0 0 0 rg BT 426.48 544.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 448.33 544.10 Td (have ) Tj ET Q q 0 0 0 rg BT 469.62 544.10 Td (fluctuated ) Tj ET Q q 0 0 0 rg BT 512.01 544.10 Td (significantly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (from ) Tj ET Q q 0 0 0 rg BT 72.10 532.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 103.08 532.10 Td (to ) Tj ET Q q 0 0 0 rg BT 113.52 532.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 141.29 532.10 Td (. ) Tj ET Q q 0 0 0 rg BT 145.86 532.10 Td (A) Tj ET Q q 0 0 0 rg BT 152.53 532.10 Td ( ) Tj ET Q q 0 0 0 rg BT 155.20 532.10 Td (number ) Tj ET Q q 0 0 0 rg BT 188.41 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 199.40 532.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 229.27 532.10 Td (have ) Tj ET Q q 0 0 0 rg BT 250.81 532.10 Td (historically ) Tj ET Q q 0 0 0 rg BT 298.46 532.10 Td (af) Tj ET Q q 0 0 0 rg BT 306.05 532.10 Td (fected, ) Tj ET Q q 0 0 0 rg BT 335.64 532.10 Td (and ) Tj ET Q q 0 0 0 rg BT 352.74 532.10 Td (are ) Tj ET Q q 0 0 0 rg BT 367.61 532.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 393.05 532.10 Td (to ) Tj ET Q q 0 0 0 rg BT 403.49 532.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 440.59 532.10 Td (to ) Tj ET Q q 0 0 0 rg BT 451.03 532.10 Td (af) Tj ET Q q 0 0 0 rg BT 458.62 532.10 Td (fect, ) Tj ET Q q 0 0 0 rg BT 478.77 532.10 Td (our ) Tj ET Q q 0 0 0 rg BT 494.76 532.10 Td (same ) Tj ET Q q 0 0 0 rg BT 517.97 532.10 Td (store ) Tj ET Q q 0 0 0 rg BT 540.07 532.10 Td (sales, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (including:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 502.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 502.10 Td (Changes in competition, such as pricing pressure, and the opening of new stores by competitors in our markets;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 484.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 484.10 Td (General economic conditions;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 466.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 466.10 Td (New product introductions;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 448.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 448.10 Td (Changes in our marketing programs;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 430.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 430.10 Td (Consumer trends;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 412.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 412.10 Td (Changes in our merchandise mix;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 394.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 394.10 Td (Changes in the relative sales price points of our major product categories;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 376.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 376.10 Td (Underwriting standards for our customers purchasing merchandise on credit;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 358.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 358.10 Td (Our ability to of) Tj ET Q q 0 0 0 rg BT 150.53 358.10 Td (fer credit programs attractive to our customers;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 340.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 340.10 Td (The impact of any new stores on our existing stores;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 322.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 322.10 Td (W) Tj ET Q q 0 0 0 rg BT 94.64 322.10 Td (eather conditions in our markets;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 304.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 304.10 Td (T) Tj ET Q q 0 0 0 rg BT 91.76 304.10 Td (iming of promotional events;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 286.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 286.10 Td (T) Tj ET Q q 0 0 0 rg BT 91.76 286.10 Td (iming, location and participants of major sporting events;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 268.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 268.10 Td (The number of new store openings;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 250.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 250.10 Td (The percentage of our stores that are mature stores that tend to be smaller or have fewer assortment of higher mar) Tj ET Q q 0 0 0 rg BT 539.53 250.10 Td (gin ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 238.10 Td (products, such as furniture;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 220.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 220.10 Td (The locations of our stores and the traf) Tj ET Q q 0 0 0 rg BT 240.49 220.10 Td (fic drawn to those areas;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 202.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 202.10 Td (How often we update our stores; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 184.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 184.10 Td (Our ability to execute our business strategy ef) Tj ET Q q 0 0 0 rg BT 269.38 184.10 Td (fectively) Tj ET Q q 0 0 0 rg BT 303.71 184.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.78 166.10 Td (business ) Tj ET Q q 0 0 0 rg BT 105.90 166.10 Td (could ) Tj ET Q q 0 0 0 rg BT 130.79 166.10 Td (be ) Tj ET Q q 0 0 0 rg BT 142.33 166.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 186.10 166.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 226.52 166.10 Td (af) Tj ET Q q 0 0 0 rg BT 234.67 166.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 261.20 166.10 Td (by ) Tj ET Q q 0 0 0 rg BT 272.75 166.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 308.75 166.10 Td (in ) Tj ET Q q 0 0 0 rg BT 319.19 166.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 361.86 166.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 405.63 166.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 426.08 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 443.75 166.10 Td (regulations.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 492.93 166.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.04 166.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 527.13 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 543.67 166.10 Td (state ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 90.47 154.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 132.60 154.10 Td (laws, ) Tj ET Q q 0 0 0 rg BT 155.01 154.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 201.04 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 217.06 154.10 Td (agencies, ) Tj ET Q q 0 0 0 rg BT 255.58 154.10 Td (such ) Tj ET Q q 0 0 0 rg BT 275.49 154.10 Td (as ) Tj ET Q q 0 0 0 rg BT 285.41 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 299.22 154.10 Td (FCRA) Tj ET Q q 0 0 0 rg BT 324.79 154.10 Td ( ) Tj ET Q q 0 0 0 rg BT 326.38 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 342.40 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 356.21 154.10 Td (CFPB, ) Tj ET Q q 0 0 0 rg BT 384.76 154.10 Td (heavily ) Tj ET Q q 0 0 0 rg BT 415.78 154.10 Td (regulate ) Tj ET Q q 0 0 0 rg BT 449.57 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 463.38 154.10 Td (way ) Tj ET Q q 0 0 0 rg BT 481.63 154.10 Td (we ) Tj ET Q q 0 0 0 rg BT 494.88 154.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 528.12 154.10 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.73 142.10 Td (could ) Tj ET Q q 0 0 0 rg BT 91.24 142.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 112.42 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 126.93 142.10 Td (manner ) Tj ET Q q 0 0 0 rg BT 159.21 142.10 Td (in ) Tj ET Q q 0 0 0 rg BT 169.28 142.10 Td (which ) Tj ET Q q 0 0 0 rg BT 196.01 142.10 Td (we ) Tj ET Q q 0 0 0 rg BT 209.96 142.10 Td (may ) Tj ET Q q 0 0 0 rg BT 229.47 142.10 Td (of) Tj ET Q q 0 0 0 rg BT 237.62 142.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 251.01 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 267.74 142.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 296.68 142.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 321.74 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 338.47 142.10 Td (collect ) Tj ET Q q 0 0 0 rg BT 367.41 142.10 Td (on ) Tj ET Q q 0 0 0 rg BT 379.70 142.10 Td (our ) Tj ET Q q 0 0 0 rg BT 395.32 142.10 Td (accounts. ) Tj ET Q q 0 0 0 rg BT 435.10 142.10 Td (Because ) Tj ET Q q 0 0 0 rg BT 470.71 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 477.44 142.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 522.50 142.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 553.68 142.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.70 130.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 87.51 130.10 Td (are ) Tj ET Q q 0 0 0 rg BT 102.08 130.10 Td (financed ) Tj ET Q q 0 0 0 rg BT 138.88 130.10 Td (through ) Tj ET Q q 0 0 0 rg BT 172.36 130.10 Td (our ) Tj ET Q q 0 0 0 rg BT 188.06 130.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 213.19 130.10 Td (of) Tj ET Q q 0 0 0 rg BT 221.34 130.10 Td (ferings ) Tj ET Q q 0 0 0 rg BT 251.48 130.10 Td (any ) Tj ET Q q 0 0 0 rg BT 268.28 130.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 301.19 130.10 Td (change ) Tj ET Q q 0 0 0 rg BT 331.88 130.10 Td (in ) Tj ET Q q 0 0 0 rg BT 342.02 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 356.61 130.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 399.52 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 410.22 130.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 451.47 130.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 476.60 130.10 Td (could ) Tj ET Q q 0 0 0 rg BT 501.19 130.10 Td (have ) Tj ET Q q 0 0 0 rg BT 522.44 130.10 Td (a ) Tj ET Q q 0 0 0 rg BT 529.24 130.10 Td (material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 83.04 118.10 Td (ef) Tj ET Q q 0 0 0 rg BT 90.63 118.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 108.11 118.10 Td (on ) Tj ET Q q 0 0 0 rg BT 120.61 118.10 Td (us.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (New ) Tj ET Q q 0 0 0 rg BT 71.05 100.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 91.54 100.10 Td (or ) Tj ET Q q 0 0 0 rg BT 102.04 100.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 151.14 100.10 Td (or ) Tj ET Q q 0 0 0 rg BT 161.63 100.10 Td (new ) Tj ET Q q 0 0 0 rg BT 180.46 100.10 Td (interpretations ) Tj ET Q q 0 0 0 rg BT 240.38 100.10 Td (of ) Tj ET Q q 0 0 0 rg BT 250.88 100.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 284.71 100.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 305.21 100.10 Td (or ) Tj ET Q q 0 0 0 rg BT 315.70 100.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 364.80 100.10 Td (could ) Tj ET Q q 0 0 0 rg BT 389.18 100.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 410.24 100.10 Td (the ) Tj ET Q q 0 0 0 rg BT 424.62 100.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 456.78 100.10 Td (of ) Tj ET Q q 0 0 0 rg BT 467.28 100.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 498.88 100.10 Td (or ) Tj ET Q q 0 0 0 rg BT 509.37 100.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 527.64 100.10 Td (that ) Tj ET Q q 0 0 0 rg BT 544.80 100.10 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (be ) Tj ET Q q 0 0 0 rg BT 62.55 88.10 Td (char) Tj ET Q q 0 0 0 rg BT 79.58 88.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 97.13 88.10 Td (on ) Tj ET Q q 0 0 0 rg BT 110.24 88.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 152.23 88.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 178.11 88.10 Td (accounts, ) Tj ET Q q 0 0 0 rg BT 218.71 88.10 Td (including ) Tj ET Q q 0 0 0 rg BT 259.59 88.10 Td (by ) Tj ET Q q 0 0 0 rg BT 272.71 88.10 Td (reducing ) Tj ET Q q 0 0 0 rg BT 310.80 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 326.13 88.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 369.80 88.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 402.34 88.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 420.44 88.10 Td (that ) Tj ET Q q 0 0 0 rg BT 438.55 88.10 Td (can ) Tj ET Q q 0 0 0 rg BT 455.54 88.10 Td (be ) Tj ET Q q 0 0 0 rg BT 468.09 88.10 Td (char) Tj ET Q q 0 0 0 rg BT 485.12 88.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 502.67 88.10 Td (in ) Tj ET Q q 0 0 0 rg BT 513.56 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 528.89 88.10 Td (states ) Tj ET Q q 0 0 0 rg BT 554.22 88.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (which ) Tj ET Q q 0 0 0 rg BT 76.78 76.10 Td (we ) Tj ET Q q 0 0 0 rg BT 90.78 76.10 Td (operate, ) Tj ET Q q 0 0 0 rg BT 125.05 76.10 Td (or ) Tj ET Q q 0 0 0 rg BT 135.72 76.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 166.95 76.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 212.07 76.10 Td (on ) Tj ET Q q 0 0 0 rg BT 224.41 76.10 Td (our ) Tj ET Q q 0 0 0 rg BT 240.08 76.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 267.97 76.10 Td (to ) Tj ET Q q 0 0 0 rg BT 278.09 76.10 Td (collect ) Tj ET Q q 0 0 0 rg BT 307.08 76.10 Td (on ) Tj ET Q q 0 0 0 rg BT 319.42 76.10 Td (account ) Tj ET Q q 0 0 0 rg BT 352.86 76.10 Td (balances, ) Tj ET Q q 0 0 0 rg BT 392.12 76.10 Td (which ) Tj ET Q q 0 0 0 rg BT 418.90 76.10 Td (could ) Tj ET Q q 0 0 0 rg BT 443.46 76.10 Td (have ) Tj ET Q q 0 0 0 rg BT 464.68 76.10 Td (a ) Tj ET Q q 0 0 0 rg BT 471.46 76.10 Td (material ) Tj ET Q q 0 0 0 rg BT 506.56 76.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 539.44 76.10 Td (ef) Tj ET Q q 0 0 0 rg BT 547.03 76.10 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (on ) Tj ET Q q 0 0 0 rg BT 61.94 64.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 75.27 64.10 Td (Compliance ) Tj ET Q q 0 0 0 rg BT 125.53 64.10 Td (with ) Tj ET Q q 0 0 0 rg BT 145.25 64.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 178.85 64.10 Td (and ) Tj ET Q q 0 0 0 rg BT 195.23 64.10 Td (future ) Tj ET Q q 0 0 0 rg BT 221.05 64.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 241.32 64.10 Td (or ) Tj ET Q q 0 0 0 rg BT 251.59 64.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 300.46 64.10 Td (including ) Tj ET Q q 0 0 0 rg BT 340.18 64.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 386.55 64.10 Td (that ) Tj ET Q q 0 0 0 rg BT 403.49 64.10 Td (may ) Tj ET Q q 0 0 0 rg BT 422.64 64.10 Td (be ) Tj ET Q q 0 0 0 rg BT 434.02 64.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 477.05 64.10 Td (to ) Tj ET Q q 0 0 0 rg BT 486.77 64.10 Td (us ) Tj ET Q q 0 0 0 rg BT 497.60 64.10 Td (under ) Tj ET Q q 0 0 0 rg BT 522.31 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 536.46 64.10 Td (Dodd-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 52.10 Td (Frank ) Tj ET Q q 0 0 0 rg BT 76.29 52.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 97.02 52.10 Td (could ) Tj ET Q q 0 0 0 rg BT 123.02 52.10 Td (require ) Tj ET Q q 0 0 0 rg BT 155.13 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 171.14 52.10 Td (expenditure ) Tj ET Q q 0 0 0 rg BT 222.13 52.10 Td (of ) Tj ET Q q 0 0 0 rg BT 234.26 52.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 280.82 52.10 Td (resources. ) Tj ET Q q 0 0 0 rg BT 324.87 52.10 Td (Failure ) Tj ET Q q 0 0 0 rg BT 356.99 52.10 Td (to ) Tj ET Q q 0 0 0 rg BT 368.56 52.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 402.35 52.10 Td (with ) Tj ET Q q 0 0 0 rg BT 423.92 52.10 Td (these ) Tj ET Q q 0 0 0 rg BT 448.26 52.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 470.38 52.10 Td (or ) Tj ET Q q 0 0 0 rg BT 482.50 52.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 533.23 52.10 Td (even ) Tj ET Q q 0 0 0 rg BT 555.90 52.10 Td (if ) Tj ET Q endstream endobj 47 0 obj <>] /Rotate 0 /Contents 48 0 R>> endobj 48 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (inadvertent, ) Tj ET Q q 0 0 0 rg BT 99.13 742.10 Td (could ) Tj ET Q q 0 0 0 rg BT 123.01 742.10 Td (result ) Tj ET Q q 0 0 0 rg BT 146.88 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 156.31 742.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 191.84 742.10 Td (publicity) Tj ET Q q 0 0 0 rg BT 226.74 742.10 Td (, ) Tj ET Q q 0 0 0 rg BT 230.89 742.10 Td (fines ) Tj ET Q q 0 0 0 rg BT 251.99 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 261.97 742.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 303.61 742.10 Td (licensing ) Tj ET Q q 0 0 0 rg BT 341.37 742.10 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 381.63 742.10 Td (any ) Tj ET Q q 0 0 0 rg BT 397.72 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 407.70 742.10 Td (which ) Tj ET Q q 0 0 0 rg BT 433.79 742.10 Td (could ) Tj ET Q q 0 0 0 rg BT 457.67 742.10 Td (result ) Tj ET Q q 0 0 0 rg BT 481.54 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 490.97 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 497.06 742.10 Td (material ) Tj ET Q q 0 0 0 rg BT 531.48 742.10 Td (adverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 730.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 75.07 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 87.57 730.10 Td (us.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 712.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.87 712.10 Td (have ) Tj ET Q q 0 0 0 rg BT 87.53 712.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 134.19 712.10 Td (and ) Tj ET Q q 0 0 0 rg BT 151.42 712.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 186.43 712.10 Td (in ) Tj ET Q q 0 0 0 rg BT 197.00 712.10 Td (place ) Tj ET Q q 0 0 0 rg BT 220.88 712.10 Td (that ) Tj ET Q q 0 0 0 rg BT 238.67 712.10 Td (we ) Tj ET Q q 0 0 0 rg BT 253.12 712.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 284.78 712.10 Td (are ) Tj ET Q q 0 0 0 rg BT 299.78 712.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 345.32 712.10 Td (to ) Tj ET Q q 0 0 0 rg BT 355.89 712.10 Td (monitor ) Tj ET Q q 0 0 0 rg BT 390.35 712.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 439.23 712.10 Td (with ) Tj ET Q q 0 0 0 rg BT 459.79 712.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.80 712.10 Td (numerous ) Tj ET Q q 0 0 0 rg BT 517.03 712.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 547.58 712.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (state ) Tj ET Q q 0 0 0 rg BT 70.59 700.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 91.19 700.10 Td (and ) Tj ET Q q 0 0 0 rg BT 107.90 700.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 154.61 700.10 Td (and ) Tj ET Q q 0 0 0 rg BT 171.31 700.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 202.46 700.10 Td (we ) Tj ET Q q 0 0 0 rg BT 216.38 700.10 Td (are ) Tj ET Q q 0 0 0 rg BT 230.86 700.10 Td (in ) Tj ET Q q 0 0 0 rg BT 240.91 700.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 289.27 700.10 Td (with ) Tj ET Q q 0 0 0 rg BT 309.32 700.10 Td (such ) Tj ET Q q 0 0 0 rg BT 329.92 700.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 350.51 700.10 Td (and ) Tj ET Q q 0 0 0 rg BT 367.22 700.10 Td (regulations. ) Tj ET Q q 0 0 0 rg BT 416.43 700.10 Td (However) Tj ET Q q 0 0 0 rg BT 452.68 700.10 Td (, ) Tj ET Q q 0 0 0 rg BT 457.45 700.10 Td (these ) Tj ET Q q 0 0 0 rg BT 480.26 700.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 500.86 700.10 Td (and ) Tj ET Q q 0 0 0 rg BT 517.57 700.10 Td (regulations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.87 688.10 Td (complex, ) Tj ET Q q 0 0 0 rg BT 104.47 688.10 Td (dif) Tj ET Q q 0 0 0 rg BT 115.39 688.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 129.15 688.10 Td (between ) Tj ET Q q 0 0 0 rg BT 165.13 688.10 Td (jurisdictions ) Tj ET Q q 0 0 0 rg BT 217.24 688.10 Td (and ) Tj ET Q q 0 0 0 rg BT 234.34 688.10 Td (are ) Tj ET Q q 0 0 0 rg BT 249.21 688.10 Td (often ) Tj ET Q q 0 0 0 rg BT 272.42 688.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 303.41 688.10 Td (to ) Tj ET Q q 0 0 0 rg BT 313.85 688.10 Td (interpretation. ) Tj ET Q q 0 0 0 rg BT 372.88 688.10 Td ( ) Tj ET Q q 0 0 0 rg BT 374.95 688.10 Td (As ) Tj ET Q q 0 0 0 rg BT 388.73 688.10 Td (we ) Tj ET Q q 0 0 0 rg BT 403.05 688.10 Td (expand ) Tj ET Q q 0 0 0 rg BT 434.59 688.10 Td (into ) Tj ET Q q 0 0 0 rg BT 452.81 688.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 495.46 688.10 Td (jurisdictions ) Tj ET Q q 0 0 0 rg BT 547.57 688.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 676.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 71.57 676.10 Td (new ) Tj ET Q q 0 0 0 rg BT 90.55 676.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 115.63 676.10 Td (products ) Tj ET Q q 0 0 0 rg BT 152.39 676.10 Td (such ) Tj ET Q q 0 0 0 rg BT 173.04 676.10 Td (as ) Tj ET Q q 0 0 0 rg BT 183.70 676.10 Td (our ) Tj ET Q q 0 0 0 rg BT 199.35 676.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 224.43 676.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 265.63 676.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 291.56 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.10 676.10 Td (complexities ) Tj ET Q q 0 0 0 rg BT 359.51 676.10 Td (grow) Tj ET Q q 0 0 0 rg BT 379.42 676.10 Td (. ) Tj ET Q q 0 0 0 rg BT 384.24 676.10 Td ( ) Tj ET Q q 0 0 0 rg BT 386.56 676.10 Td (Compliance ) Tj ET Q q 0 0 0 rg BT 437.20 676.10 Td (with ) Tj ET Q q 0 0 0 rg BT 457.30 676.10 Td (these ) Tj ET Q q 0 0 0 rg BT 480.17 676.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 500.82 676.10 Td (and ) Tj ET Q q 0 0 0 rg BT 517.58 676.10 Td (regulations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (is ) Tj ET Q q 0 0 0 rg BT 59.85 664.10 Td (expensive ) Tj ET Q q 0 0 0 rg BT 103.01 664.10 Td (and ) Tj ET Q q 0 0 0 rg BT 120.62 664.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 156.01 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 171.40 664.10 Td (time ) Tj ET Q q 0 0 0 rg BT 192.35 664.10 Td (and ) Tj ET Q q 0 0 0 rg BT 209.96 664.10 Td (attention ) Tj ET Q q 0 0 0 rg BT 248.13 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 259.64 664.10 Td (management. ) Tj ET Q q 0 0 0 rg BT 316.40 664.10 Td ( ) Tj ET Q q 0 0 0 rg BT 319.58 664.10 Td (If ) Tj ET Q q 0 0 0 rg BT 329.41 664.10 Td (we ) Tj ET Q q 0 0 0 rg BT 344.25 664.10 Td (do ) Tj ET Q q 0 0 0 rg BT 357.43 664.10 Td (not ) Tj ET Q q 0 0 0 rg BT 373.38 664.10 Td (successfully ) Tj ET Q q 0 0 0 rg BT 425.43 664.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 458.61 664.10 Td (with ) Tj ET Q q 0 0 0 rg BT 479.56 664.10 Td (laws, ) Tj ET Q q 0 0 0 rg BT 503.57 664.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 553.68 664.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (policies, ) Tj ET Q q 0 0 0 rg BT 86.25 652.10 Td (we ) Tj ET Q q 0 0 0 rg BT 100.55 652.10 Td (could ) Tj ET Q q 0 0 0 rg BT 125.41 652.10 Td (incur ) Tj ET Q q 0 0 0 rg BT 148.60 652.10 Td (fines ) Tj ET Q q 0 0 0 rg BT 170.69 652.10 Td (or ) Tj ET Q q 0 0 0 rg BT 181.66 652.10 Td (penalties, ) Tj ET Q q 0 0 0 rg BT 222.35 652.10 Td (lose ) Tj ET Q q 0 0 0 rg BT 241.10 652.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 275.41 652.10 Td (or ) Tj ET Q q 0 0 0 rg BT 286.38 652.10 Td (new ) Tj ET Q q 0 0 0 rg BT 305.69 652.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 351.38 652.10 Td (or ) Tj ET Q q 0 0 0 rg BT 362.35 652.10 Td (suf) Tj ET Q q 0 0 0 rg BT 374.39 652.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 388.13 652.10 Td (damage ) Tj ET Q q 0 0 0 rg BT 421.87 652.10 Td (to ) Tj ET Q q 0 0 0 rg BT 432.29 652.10 Td (our ) Tj ET Q q 0 0 0 rg BT 448.27 652.10 Td (reputation. ) Tj ET Q q 0 0 0 rg BT 493.96 652.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 531.04 652.10 Td (in ) Tj ET Q q 0 0 0 rg BT 541.46 652.10 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 71.94 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 89.98 640.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 138.02 640.10 Td (can ) Tj ET Q q 0 0 0 rg BT 155.50 640.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 209.09 640.10 Td (alter ) Tj ET Q q 0 0 0 rg BT 230.46 640.10 Td (our ) Tj ET Q q 0 0 0 rg BT 247.40 640.10 Td (business ) Tj ET Q q 0 0 0 rg BT 284.89 640.10 Td (environment, ) Tj ET Q q 0 0 0 rg BT 341.54 640.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 364.04 640.10 Td (business ) Tj ET Q q 0 0 0 rg BT 401.53 640.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 449.29 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 467.34 640.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 503.70 640.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 527.30 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 539.24 640.10 Td (doing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 88.89 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 105.83 628.10 Td (we ) Tj ET Q q 0 0 0 rg BT 119.99 628.10 Td (may ) Tj ET Q q 0 0 0 rg BT 139.71 628.10 Td (not ) Tj ET Q q 0 0 0 rg BT 154.99 628.10 Td (be ) Tj ET Q q 0 0 0 rg BT 166.92 628.10 Td (able ) Tj ET Q q 0 0 0 rg BT 186.08 628.10 Td (predict ) Tj ET Q q 0 0 0 rg BT 216.34 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 231.06 628.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 260.77 628.10 Td (such ) Tj ET Q q 0 0 0 rg BT 281.60 628.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 316.31 628.10 Td (would ) Tj ET Q q 0 0 0 rg BT 343.81 628.10 Td (have ) Tj ET Q q 0 0 0 rg BT 365.19 628.10 Td (on ) Tj ET Q q 0 0 0 rg BT 377.69 628.10 Td (our ) Tj ET Q q 0 0 0 rg BT 393.52 628.10 Td (profitability) Tj ET Q q 0 0 0 rg BT 440.63 628.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.29 610.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 96.59 610.10 Td (may ) Tj ET Q q 0 0 0 rg BT 115.99 610.10 Td (reshape ) Tj ET Q q 0 0 0 rg BT 150.39 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 165.35 610.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 208.09 610.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 247.50 610.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 268.02 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 285.77 610.10 Td (there ) Tj ET Q q 0 0 0 rg BT 309.06 610.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 351.25 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 361.21 610.10 Td (be ) Tj ET Q q 0 0 0 rg BT 372.83 610.10 Td (uncertainty ) Tj ET Q q 0 0 0 rg BT 422.24 610.10 Td (as ) Tj ET Q q 0 0 0 rg BT 433.31 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 443.27 610.10 Td (how ) Tj ET Q q 0 0 0 rg BT 462.68 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 477.64 610.10 Td (agency's ) Tj ET Q q 0 0 0 rg BT 515.37 610.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 547.00 610.10 Td (will ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 80.45 598.10 Td (our ) Tj ET Q q 0 0 0 rg BT 97.59 598.10 Td (business.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 135.10 598.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.78 598.10 Td (The ) Tj ET Q q 0 0 0 rg BT 156.01 598.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 206.98 598.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 224.09 598.10 Td (comprehensively ) Tj ET Q q 0 0 0 rg BT 295.08 598.10 Td (overhauled ) Tj ET Q q 0 0 0 rg BT 342.19 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 357.08 598.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 394.75 598.10 Td (services ) Tj ET Q q 0 0 0 rg BT 429.63 598.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 465.09 598.10 Td (within ) Tj ET Q q 0 0 0 rg BT 493.33 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 508.22 598.10 Td (United ) Tj ET Q q 0 0 0 rg BT 538.12 598.10 Td (States ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.08 586.10 Td (established ) Tj ET Q q 0 0 0 rg BT 114.17 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 129.03 586.10 Td (CFPB. ) Tj ET Q q 0 0 0 rg BT 158.45 586.10 Td (The ) Tj ET Q q 0 0 0 rg BT 176.64 586.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 203.75 586.10 Td (has ) Tj ET Q q 0 0 0 rg BT 219.73 586.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 272.34 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 289.43 586.10 Td (rulemaking ) Tj ET Q q 0 0 0 rg BT 337.62 586.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 376.37 586.10 Td (under ) Tj ET Q q 0 0 0 rg BT 401.78 586.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 431.63 586.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 462.03 586.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 503.55 586.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 541.18 586.10 Td (laws, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (including ) Tj ET Q q 0 0 0 rg BT 90.01 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 104.30 574.10 Td (TILA, ) Tj ET Q q 0 0 0 rg BT 131.80 574.10 Td (ECOA, ) Tj ET Q q 0 0 0 rg BT 163.75 574.10 Td (FCRA, ) Tj ET Q q 0 0 0 rg BT 194.61 574.10 Td (FDCP) Tj ET Q q 0 0 0 rg BT 218.71 574.10 Td (A, ) Tj ET Q q 0 0 0 rg BT 230.66 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 247.34 574.10 Td (GLB. ) Tj ET Q q 0 0 0 rg BT 271.91 574.10 Td (This ) Tj ET Q q 0 0 0 rg BT 291.92 574.10 Td (means, ) Tj ET Q q 0 0 0 rg BT 322.20 574.10 Td (for ) Tj ET Q q 0 0 0 rg BT 336.10 574.10 Td (example, ) Tj ET Q q 0 0 0 rg BT 374.70 574.10 Td (that ) Tj ET Q q 0 0 0 rg BT 391.93 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 406.38 574.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 433.08 574.10 Td (has ) Tj ET Q q 0 0 0 rg BT 448.64 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 463.09 574.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 490.88 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 500.89 574.10 Td (adopt ) Tj ET Q q 0 0 0 rg BT 525.34 574.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 547.01 574.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (interpret ) Tj ET Q q 0 0 0 rg BT 86.57 562.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 130.93 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 141.96 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 156.87 562.10 Td (FDCP) Tj ET Q q 0 0 0 rg BT 180.96 562.10 Td (A, ) Tj ET Q q 0 0 0 rg BT 193.38 562.10 Td (potentially ) Tj ET Q q 0 0 0 rg BT 238.84 562.10 Td (af) Tj ET Q q 0 0 0 rg BT 246.43 562.10 Td (fecting ) Tj ET Q q 0 0 0 rg BT 276.89 562.10 Td (all ) Tj ET Q q 0 0 0 rg BT 289.58 562.10 Td (facets ) Tj ET Q q 0 0 0 rg BT 315.59 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 326.61 562.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 346.52 562.10 Td (collection. ) Tj ET Q q 0 0 0 rg BT 391.15 562.10 Td (In ) Tj ET Q q 0 0 0 rg BT 402.17 562.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 440.14 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 455.05 562.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 482.21 562.10 Td (has ) Tj ET Q q 0 0 0 rg BT 498.23 562.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 525.92 562.10 Td (guidance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 61.10 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.63 550.10 Td (form ) Tj ET Q q 0 0 0 rg BT 99.38 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 111.03 550.10 Td (bulletins ) Tj ET Q q 0 0 0 rg BT 148.79 550.10 Td (on ) Tj ET Q q 0 0 0 rg BT 162.11 550.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 182.64 550.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 225.39 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 243.14 550.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 269.22 550.10 Td (furnishing ) Tj ET Q q 0 0 0 rg BT 313.65 550.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 353.06 550.10 Td (generally) Tj ET Q q 0 0 0 rg BT 389.62 550.10 Td (, ) Tj ET Q q 0 0 0 rg BT 395.43 550.10 Td (including ) Tj ET Q q 0 0 0 rg BT 436.52 550.10 Td (bulletins ) Tj ET Q q 0 0 0 rg BT 474.28 550.10 Td (that ) Tj ET Q q 0 0 0 rg BT 492.60 550.10 Td (address ) Tj ET Q q 0 0 0 rg BT 525.90 550.10 Td (furnisher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 104.18 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 120.59 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 134.79 538.10 Td (application ) Tj ET Q q 0 0 0 rg BT 181.19 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 191.50 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 205.69 538.10 Td (CFPB) Tj ET Q q 0 0 0 rg BT 232.93 538.10 Td (s ) Tj ET Q q 0 0 0 rg BT 238.80 538.10 Td (prohibition ) Tj ET Q q 0 0 0 rg BT 285.22 538.10 Td (on ) Tj ET Q q 0 0 0 rg BT 297.20 538.10 Td (unfair) Tj ET Q q 0 0 0 rg BT 325.11 538.10 Td (, ) Tj ET Q q 0 0 0 rg BT 329.59 538.10 Td (deceptive, ) Tj ET Q q 0 0 0 rg BT 372.38 538.10 Td (or ) Tj ET Q q 0 0 0 rg BT 382.68 538.10 Td (abusive ) Tj ET Q q 0 0 0 rg BT 419.65 538.10 Td (acts ) Tj ET Q q 0 0 0 rg BT 437.17 538.10 Td (or ) Tj ET Q q 0 0 0 rg BT 447.48 538.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 484.98 538.10 Td (with ) Tj ET Q q 0 0 0 rg BT 504.74 538.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 535.03 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 544.79 538.10 Td (debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (collection.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.46 508.10 Td (October ) Tj ET Q q 0 0 0 rg BT 94.79 508.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 119.42 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 133.76 508.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 160.35 508.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 187.48 508.10 Td (a ) Tj ET Q q 0 0 0 rg BT 194.04 508.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 211.71 508.10 Td (to ) Tj ET Q q 0 0 0 rg BT 221.62 508.10 Td (require ) Tj ET Q q 0 0 0 rg BT 252.06 508.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 281.39 508.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 322.39 508.10 Td (installment ) Tj ET Q q 0 0 0 rg BT 368.96 508.10 Td (lenders ) Tj ET Q q 0 0 0 rg BT 399.96 508.10 Td (to ) Tj ET Q q 0 0 0 rg BT 409.87 508.10 Td (take ) Tj ET Q q 0 0 0 rg BT 428.65 508.10 Td (steps ) Tj ET Q q 0 0 0 rg BT 450.77 508.10 Td (to ) Tj ET Q q 0 0 0 rg BT 460.68 508.10 Td (make ) Tj ET Q q 0 0 0 rg BT 484.46 508.10 Td (sure ) Tj ET Q q 0 0 0 rg BT 503.25 508.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 548.14 508.10 Td (can ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (repay ) Tj ET Q q 0 0 0 rg BT 75.83 496.10 Td (their ) Tj ET Q q 0 0 0 rg BT 97.77 496.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 124.73 496.10 Td (This ) Tj ET Q q 0 0 0 rg BT 146.13 496.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 174.21 496.10 Td (rule, ) Tj ET Q q 0 0 0 rg BT 195.88 496.10 Td (among ) Tj ET Q q 0 0 0 rg BT 226.71 496.10 Td (other ) Tj ET Q q 0 0 0 rg BT 250.88 496.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 281.44 496.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 317.27 496.10 Td (lenders ) Tj ET Q q 0 0 0 rg BT 349.76 496.10 Td (to ) Tj ET Q q 0 0 0 rg BT 361.16 496.10 Td (use ) Tj ET Q q 0 0 0 rg BT 378.11 496.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 404.49 496.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 444.76 496.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 480.05 496.10 Td (to ) Tj ET Q q 0 0 0 rg BT 491.45 496.10 Td (report ) Tj ET Q q 0 0 0 rg BT 518.94 496.10 Td (and ) Tj ET Q q 0 0 0 rg BT 537.00 496.10 Td (obtain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (information ) Tj ET Q q 0 0 0 rg BT 100.24 484.10 Td (on ) Tj ET Q q 0 0 0 rg BT 113.27 484.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 143.50 484.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 167.64 484.10 Td (and ) Tj ET Q q 0 0 0 rg BT 185.10 484.10 Td (borrowers. ) Tj ET Q q 0 0 0 rg BT 230.96 484.10 Td (The ) Tj ET Q q 0 0 0 rg BT 249.53 484.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 268.11 484.10 Td (is ) Tj ET Q q 0 0 0 rg BT 277.81 484.10 Td (slated ) Tj ET Q q 0 0 0 rg BT 304.16 484.10 Td (to ) Tj ET Q q 0 0 0 rg BT 314.97 484.10 Td (take ) Tj ET Q q 0 0 0 rg BT 334.65 484.10 Td (ef) Tj ET Q q 0 0 0 rg BT 342.24 484.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 360.25 484.10 Td (in ) Tj ET Q q 0 0 0 rg BT 370.39 484.10 Td (August ) Tj ET Q q 0 0 0 rg BT 402.31 484.10 Td (2019. ) Tj ET Q q 0 0 0 rg BT 427.84 484.10 Td ( ) Tj ET Q q 0 0 0 rg BT 430.87 484.10 Td (Presently) Tj ET Q q 0 0 0 rg BT 467.44 484.10 Td (, ) Tj ET Q q 0 0 0 rg BT 472.97 484.10 Td (it ) Tj ET Q q 0 0 0 rg BT 481.55 484.10 Td (appears ) Tj ET Q q 0 0 0 rg BT 515.12 484.10 Td (our ) Tj ET Q q 0 0 0 rg BT 531.48 484.10 Td (secured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 92.49 472.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 117.21 472.10 Td (are ) Tj ET Q q 0 0 0 rg BT 133.02 472.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 159.41 472.10 Td (excluded ) Tj ET Q q 0 0 0 rg BT 199.11 472.10 Td (from ) Tj ET Q q 0 0 0 rg BT 222.16 472.10 Td (this ) Tj ET Q q 0 0 0 rg BT 240.22 472.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 259.37 472.10 Td (because ) Tj ET Q q 0 0 0 rg BT 294.63 472.10 Td (we ) Tj ET Q q 0 0 0 rg BT 309.90 472.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 340.16 472.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 366.54 472.10 Td (for ) Tj ET Q q 0 0 0 rg BT 381.81 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 397.63 472.10 Td (sole ) Tj ET Q q 0 0 0 rg BT 417.35 472.10 Td (and ) Tj ET Q q 0 0 0 rg BT 435.40 472.10 Td (express ) Tj ET Q q 0 0 0 rg BT 469.00 472.10 Td (purpose ) Tj ET Q q 0 0 0 rg BT 504.27 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 516.21 472.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 557.58 472.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (consumer's ) Tj ET Q q 0 0 0 rg BT 97.67 460.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 124.11 460.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 162.75 460.10 Td (of ) Tj ET Q q 0 0 0 rg BT 174.18 460.10 Td (our ) Tj ET Q q 0 0 0 rg BT 190.61 460.10 Td (goods ) Tj ET Q q 0 0 0 rg BT 217.61 460.10 Td (and ) Tj ET Q q 0 0 0 rg BT 235.15 460.10 Td (merchandise ) Tj ET Q q 0 0 0 rg BT 288.78 460.10 Td (with ) Tj ET Q q 0 0 0 rg BT 309.67 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 324.99 460.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 350.85 460.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 384.49 460.10 Td (by ) Tj ET Q q 0 0 0 rg BT 397.60 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 412.92 460.10 Td (property) Tj ET Q q 0 0 0 rg BT 446.14 460.10 Td (. ) Tj ET Q q 0 0 0 rg BT 451.75 460.10 Td ( ) Tj ET Q q 0 0 0 rg BT 454.62 460.10 Td (While ) Tj ET Q q 0 0 0 rg BT 482.16 460.10 Td (we ) Tj ET Q q 0 0 0 rg BT 496.92 460.10 Td (do ) Tj ET Q q 0 0 0 rg BT 510.03 460.10 Td (not ) Tj ET Q q 0 0 0 rg BT 525.91 460.10 Td (currently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (know ) Tj ET Q q 0 0 0 rg BT 74.02 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 88.04 448.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 114.27 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 124.40 448.10 Td (this ) Tj ET Q q 0 0 0 rg BT 140.64 448.10 Td (final ) Tj ET Q q 0 0 0 rg BT 160.77 448.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 178.11 448.10 Td (until ) Tj ET Q q 0 0 0 rg BT 198.24 448.10 Td (it ) Tj ET Q q 0 0 0 rg BT 205.60 448.10 Td (is ) Tj ET Q q 0 0 0 rg BT 214.07 448.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 234.75 448.10 Td (implemented ) Tj ET Q q 0 0 0 rg BT 288.76 448.10 Td (and ) Tj ET Q q 0 0 0 rg BT 304.99 448.10 Td (enforced ) Tj ET Q q 0 0 0 rg BT 341.77 448.10 Td (by ) Tj ET Q q 0 0 0 rg BT 353.57 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.58 448.10 Td (CFPB, ) Tj ET Q q 0 0 0 rg BT 396.34 448.10 Td (such ) Tj ET Q q 0 0 0 rg BT 416.47 448.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 433.82 448.10 Td (could ) Tj ET Q q 0 0 0 rg BT 457.83 448.10 Td (have ) Tj ET Q q 0 0 0 rg BT 478.51 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 492.52 448.10 Td (ef) Tj ET Q q 0 0 0 rg BT 500.11 448.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 516.89 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 527.02 448.10 Td (reducing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 85.50 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 97.13 436.10 Td (us ) Tj ET Q q 0 0 0 rg BT 109.88 436.10 Td (from ) Tj ET Q q 0 0 0 rg BT 133.17 436.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 164.23 436.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 191.69 436.10 Td (reducing ) Tj ET Q q 0 0 0 rg BT 230.53 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 246.60 436.10 Td (likelihood ) Tj ET Q q 0 0 0 rg BT 291.01 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 303.19 436.10 Td (collections, ) Tj ET Q q 0 0 0 rg BT 352.87 436.10 Td (or ) Tj ET Q q 0 0 0 rg BT 365.05 436.10 Td (make ) Tj ET Q q 0 0 0 rg BT 390.56 436.10 Td (continuance ) Tj ET Q q 0 0 0 rg BT 442.73 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 454.91 436.10 Td (those ) Tj ET Q q 0 0 0 rg BT 479.88 436.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 504.84 436.10 Td (impractical ) Tj ET Q q 0 0 0 rg BT 553.67 436.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (unprofitable.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.53 406.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 98.00 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 112.42 406.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 139.08 406.10 Td (maintains ) Tj ET Q q 0 0 0 rg BT 180.16 406.10 Td (an ) Tj ET Q q 0 0 0 rg BT 191.80 406.10 Td (online ) Tj ET Q q 0 0 0 rg BT 219.00 406.10 Td (complaint ) Tj ET Q q 0 0 0 rg BT 261.19 406.10 Td (system ) Tj ET Q q 0 0 0 rg BT 291.16 406.10 Td (that ) Tj ET Q q 0 0 0 rg BT 308.36 406.10 Td (allows ) Tj ET Q q 0 0 0 rg BT 336.67 406.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 381.64 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 391.61 406.10 Td (log ) Tj ET Q q 0 0 0 rg BT 406.59 406.10 Td (complaints ) Tj ET Q q 0 0 0 rg BT 452.67 406.10 Td (with ) Tj ET Q q 0 0 0 rg BT 472.65 406.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 503.17 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 513.14 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 527.56 406.10 Td (products ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (we ) Tj ET Q q 0 0 0 rg BT 64.64 394.10 Td (of) Tj ET Q q 0 0 0 rg BT 72.79 394.10 Td (fer) Tj ET Q q 0 0 0 rg BT 83.34 394.10 Td (. ) Tj ET Q q 0 0 0 rg BT 88.60 394.10 Td (The ) Tj ET Q q 0 0 0 rg BT 107.13 394.10 Td (system ) Tj ET Q q 0 0 0 rg BT 137.89 394.10 Td (could ) Tj ET Q q 0 0 0 rg BT 163.08 394.10 Td (inform ) Tj ET Q q 0 0 0 rg BT 193.28 394.10 Td (future ) Tj ET Q q 0 0 0 rg BT 220.14 394.10 Td (agency ) Tj ET Q q 0 0 0 rg BT 251.43 394.10 Td (decisions ) Tj ET Q q 0 0 0 rg BT 291.63 394.10 Td (with ) Tj ET Q q 0 0 0 rg BT 312.39 394.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 343.68 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 354.44 394.10 Td (regulatory) Tj ET Q q 0 0 0 rg BT 394.88 394.10 Td (, ) Tj ET Q q 0 0 0 rg BT 400.36 394.10 Td (enforcement, ) Tj ET Q q 0 0 0 rg BT 455.82 394.10 Td (or ) Tj ET Q q 0 0 0 rg BT 467.13 394.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 519.53 394.10 Td (focus. ) Tj ET Q q 0 0 0 rg BT 546.46 394.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 76.21 382.10 Td (is ) Tj ET Q q 0 0 0 rg BT 84.63 382.10 Td (authorized ) Tj ET Q q 0 0 0 rg BT 128.59 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 138.12 382.10 Td (collect ) Tj ET Q q 0 0 0 rg BT 166.52 382.10 Td (fines ) Tj ET Q q 0 0 0 rg BT 187.71 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 203.89 382.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 236.19 382.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 276.82 382.10 Td (restitution ) Tj ET Q q 0 0 0 rg BT 319.12 382.10 Td (in ) Tj ET Q q 0 0 0 rg BT 328.65 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 342.62 382.10 Td (event ) Tj ET Q q 0 0 0 rg BT 366.02 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 376.10 382.10 Td (violations ) Tj ET Q q 0 0 0 rg BT 417.30 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 427.38 382.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 456.33 382.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 496.96 382.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 533.69 382.10 Td (service ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (laws, ) Tj ET Q q 0 0 0 rg BT 74.05 370.10 Td (engage ) Tj ET Q q 0 0 0 rg BT 105.59 370.10 Td (in ) Tj ET Q q 0 0 0 rg BT 116.59 370.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 158.69 370.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 196.89 370.10 Td (education, ) Tj ET Q q 0 0 0 rg BT 241.49 370.10 Td (request ) Tj ET Q q 0 0 0 rg BT 273.59 370.10 Td (data, ) Tj ET Q q 0 0 0 rg BT 295.97 370.10 Td (and ) Tj ET Q q 0 0 0 rg BT 313.63 370.10 Td (promote ) Tj ET Q q 0 0 0 rg BT 350.18 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 365.62 370.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 413.82 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 425.38 370.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 463.58 370.10 Td (services ) Tj ET Q q 0 0 0 rg BT 499.01 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 510.01 370.10 Td (under) Tj ET Q q 0 0 0 rg BT 532.58 370.10 Td (-served ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 95.79 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 113.25 358.10 Td (communities. ) Tj ET Q q 0 0 0 rg BT 170.22 358.10 Td (There ) Tj ET Q q 0 0 0 rg BT 196.56 358.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 237.91 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 248.71 358.10 Td (be ) Tj ET Q q 0 0 0 rg BT 261.17 358.10 Td (uncertainty ) Tj ET Q q 0 0 0 rg BT 309.18 358.10 Td (as ) Tj ET Q q 0 0 0 rg BT 320.53 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 331.33 358.10 Td (how) Tj ET Q q 0 0 0 rg BT 347.91 358.10 Td (, ) Tj ET Q q 0 0 0 rg BT 353.43 358.10 Td (or ) Tj ET Q q 0 0 0 rg BT 364.78 358.10 Td (if, ) Tj ET Q q 0 0 0 rg BT 376.42 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 391.66 358.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 419.14 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 436.61 358.10 Td (its ) Tj ET Q q 0 0 0 rg BT 449.08 358.10 Td (strategies ) Tj ET Q q 0 0 0 rg BT 489.87 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 507.33 358.10 Td (priorities ) Tj ET Q q 0 0 0 rg BT 546.46 358.10 Td (will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 79.37 346.10 Td (our ) Tj ET Q q 0 0 0 rg BT 94.85 346.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 139.23 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 155.83 346.10 Td (our ) Tj ET Q q 0 0 0 rg BT 171.31 346.10 Td (results ) Tj ET Q q 0 0 0 rg BT 199.58 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 210.06 346.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 253.87 346.10 Td (going ) Tj ET Q q 0 0 0 rg BT 278.81 346.10 Td (forward ) Tj ET Q q 0 0 0 rg BT 312.61 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 329.21 346.10 Td (could ) Tj ET Q q 0 0 0 rg BT 353.58 346.10 Td (result ) Tj ET Q q 0 0 0 rg BT 377.95 346.10 Td (in ) Tj ET Q q 0 0 0 rg BT 387.89 346.10 Td (new ) Tj ET Q q 0 0 0 rg BT 406.70 346.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 449.95 346.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 504.31 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 520.90 346.10 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 72.50 334.10 Td (for ) Tj ET Q q 0 0 0 rg BT 86.66 334.10 Td (us.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (Although ) Tj ET Q q 0 0 0 rg BT 90.51 316.10 Td (we ) Tj ET Q q 0 0 0 rg BT 104.91 316.10 Td (have ) Tj ET Q q 0 0 0 rg BT 126.52 316.10 Td (committed ) Tj ET Q q 0 0 0 rg BT 172.02 316.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 217.52 316.10 Td (resources ) Tj ET Q q 0 0 0 rg BT 258.02 316.10 Td (to ) Tj ET Q q 0 0 0 rg BT 268.53 316.10 Td (enhancing ) Tj ET Q q 0 0 0 rg BT 312.36 316.10 Td (our ) Tj ET Q q 0 0 0 rg BT 328.42 316.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 377.24 316.10 Td (programs, ) Tj ET Q q 0 0 0 rg BT 420.24 316.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 455.18 316.10 Td (in ) Tj ET Q q 0 0 0 rg BT 465.70 316.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 509.52 316.10 Td (expectations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (interpretations ) Tj ET Q q 0 0 0 rg BT 110.80 304.10 Td (or ) Tj ET Q q 0 0 0 rg BT 122.17 304.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 160.75 304.10 Td (could ) Tj ET Q q 0 0 0 rg BT 186.01 304.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 221.80 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 237.06 304.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 255.10 304.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.47 304.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 319.49 304.10 Td (actions, ) Tj ET Q q 0 0 0 rg BT 353.35 304.10 Td (fines ) Tj ET Q q 0 0 0 rg BT 375.83 304.10 Td (and ) Tj ET Q q 0 0 0 rg BT 393.32 304.10 Td (penalties. ) Tj ET Q q 0 0 0 rg BT 433.73 304.10 Td (Actions ) Tj ET Q q 0 0 0 rg BT 467.88 304.10 Td (by ) Tj ET Q q 0 0 0 rg BT 480.92 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 496.18 304.10 Td (CFPB, ) Tj ET Q q 0 0 0 rg BT 526.18 304.10 Td (FTC ) Tj ET Q q 0 0 0 rg BT 547.57 304.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (various ) Tj ET Q q 0 0 0 rg BT 81.75 292.10 Td (state ) Tj ET Q q 0 0 0 rg BT 102.38 292.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 139.11 292.10 Td (could ) Tj ET Q q 0 0 0 rg BT 163.63 292.10 Td (result ) Tj ET Q q 0 0 0 rg BT 188.16 292.10 Td (in ) Tj ET Q q 0 0 0 rg BT 198.24 292.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 252.75 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 262.84 292.10 Td (alter ) Tj ET Q q 0 0 0 rg BT 282.91 292.10 Td (our ) Tj ET Q q 0 0 0 rg BT 298.54 292.10 Td (products ) Tj ET Q q 0 0 0 rg BT 335.29 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 352.04 292.10 Td (services ) Tj ET Q q 0 0 0 rg BT 386.55 292.10 Td (that ) Tj ET Q q 0 0 0 rg BT 403.85 292.10 Td (would ) Tj ET Q q 0 0 0 rg BT 431.16 292.10 Td (make ) Tj ET Q q 0 0 0 rg BT 455.12 292.10 Td (our ) Tj ET Q q 0 0 0 rg BT 470.76 292.10 Td (products ) Tj ET Q q 0 0 0 rg BT 507.50 292.10 Td (less ) Tj ET Q q 0 0 0 rg BT 524.81 292.10 Td (attractive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.63 280.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 106.26 280.10 Td (or ) Tj ET Q q 0 0 0 rg BT 117.45 280.10 Td (impair ) Tj ET Q q 0 0 0 rg BT 146.41 280.10 Td (our ) Tj ET Q q 0 0 0 rg BT 162.59 280.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 191.00 280.10 Td (to ) Tj ET Q q 0 0 0 rg BT 201.64 280.10 Td (of) Tj ET Q q 0 0 0 rg BT 209.79 280.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 223.74 280.10 Td (them ) Tj ET Q q 0 0 0 rg BT 246.59 280.10 Td (profitably) Tj ET Q q 0 0 0 rg BT 285.38 280.10 Td (. ) Tj ET Q q 0 0 0 rg BT 290.73 280.10 Td (Future ) Tj ET Q q 0 0 0 rg BT 319.70 280.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 350.88 280.10 Td (by ) Tj ET Q q 0 0 0 rg BT 363.74 280.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 406.58 280.10 Td (that ) Tj ET Q q 0 0 0 rg BT 424.43 280.10 Td (discourage ) Tj ET Q q 0 0 0 rg BT 470.60 280.10 Td (the ) Tj ET Q q 0 0 0 rg BT 485.67 280.10 Td (use ) Tj ET Q q 0 0 0 rg BT 501.86 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 513.05 280.10 Td (products ) Tj ET Q q 0 0 0 rg BT 550.34 280.10 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 268.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 71.42 268.10 Td (or ) Tj ET Q q 0 0 0 rg BT 81.92 268.10 Td (steer ) Tj ET Q q 0 0 0 rg BT 102.97 268.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 147.92 268.10 Td (to ) Tj ET Q q 0 0 0 rg BT 157.87 268.10 Td (other ) Tj ET Q q 0 0 0 rg BT 180.59 268.10 Td (products ) Tj ET Q q 0 0 0 rg BT 217.20 268.10 Td (or ) Tj ET Q q 0 0 0 rg BT 227.70 268.10 Td (services ) Tj ET Q q 0 0 0 rg BT 262.08 268.10 Td (could ) Tj ET Q q 0 0 0 rg BT 286.47 268.10 Td (result ) Tj ET Q q 0 0 0 rg BT 310.86 268.10 Td (in ) Tj ET Q q 0 0 0 rg BT 320.81 268.10 Td (reputational ) Tj ET Q q 0 0 0 rg BT 370.74 268.10 Td (harm ) Tj ET Q q 0 0 0 rg BT 393.46 268.10 Td (and ) Tj ET Q q 0 0 0 rg BT 410.07 268.10 Td (a ) Tj ET Q q 0 0 0 rg BT 416.68 268.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 434.42 268.10 Td (of ) Tj ET Q q 0 0 0 rg BT 444.92 268.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 490.14 268.10 Td (Should ) Tj ET Q q 0 0 0 rg BT 520.65 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 535.04 268.10 Td (CFPB, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (FTC ) Tj ET Q q 0 0 0 rg BT 71.15 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 88.39 256.10 Td (various ) Tj ET Q q 0 0 0 rg BT 120.63 256.10 Td (state ) Tj ET Q q 0 0 0 rg BT 141.76 256.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 178.99 256.10 Td (change ) Tj ET Q q 0 0 0 rg BT 210.11 256.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 257.35 256.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 291.81 256.10 Td (in ) Tj ET Q q 0 0 0 rg BT 302.40 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 317.42 256.10 Td (past ) Tj ET Q q 0 0 0 rg BT 336.33 256.10 Td (by ) Tj ET Q q 0 0 0 rg BT 349.14 256.10 Td (other ) Tj ET Q q 0 0 0 rg BT 372.49 256.10 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 417.78 256.10 Td (or ) Tj ET Q q 0 0 0 rg BT 428.91 256.10 Td (modify ) Tj ET Q q 0 0 0 rg BT 460.61 256.10 Td (past ) Tj ET Q q 0 0 0 rg BT 479.52 256.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 523.42 256.10 Td (guidance, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.59 244.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 113.95 244.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 136.21 244.10 Td (and ) Tj ET Q q 0 0 0 rg BT 152.92 244.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 191.29 244.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 229.65 244.10 Td (could ) Tj ET Q q 0 0 0 rg BT 254.13 244.10 Td (increase. ) Tj ET Q q 0 0 0 rg BT 291.65 244.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 309.47 244.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 347.84 244.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 386.21 244.10 Td (could ) Tj ET Q q 0 0 0 rg BT 410.69 244.10 Td (also ) Tj ET Q q 0 0 0 rg BT 429.06 244.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 464.08 244.10 Td (if ) Tj ET Q q 0 0 0 rg BT 472.45 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 486.93 244.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 513.66 244.10 Td (exercises ) Tj ET Q q 0 0 0 rg BT 552.57 244.10 Td (its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 88.52 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 98.72 232.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 120.03 232.10 Td (or ) Tj ET Q q 0 0 0 rg BT 130.78 232.10 Td (ban ) Tj ET Q q 0 0 0 rg BT 147.64 232.10 Td (arbitration ) Tj ET Q q 0 0 0 rg BT 191.71 232.10 Td (clauses. ) Tj ET Q q 0 0 0 rg BT 225.33 232.10 Td (This ) Tj ET Q q 0 0 0 rg BT 245.53 232.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 287.94 232.10 Td (focus ) Tj ET Q q 0 0 0 rg BT 312.02 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 328.88 232.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 372.39 232.10 Td (oversight ) Tj ET Q q 0 0 0 rg BT 412.02 232.10 Td (could ) Tj ET Q q 0 0 0 rg BT 436.66 232.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 489.07 232.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 524.24 232.10 Td (operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (costs.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 202.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.08 202.10 Td (are ) Tj ET Q q 0 0 0 rg BT 80.91 202.10 Td (required ) Tj ET Q q 0 0 0 rg BT 118.40 202.10 Td (to ) Tj ET Q q 0 0 0 rg BT 128.67 202.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 160.60 202.10 Td (with ) Tj ET Q q 0 0 0 rg BT 180.88 202.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 201.72 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 219.77 202.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 268.95 202.10 Td (regulating ) Tj ET Q q 0 0 0 rg BT 314.23 202.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 340.05 202.10 Td (extensions ) Tj ET Q q 0 0 0 rg BT 385.88 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 403.94 202.10 Td (other ) Tj ET Q q 0 0 0 rg BT 428.10 202.10 Td (dealings ) Tj ET Q q 0 0 0 rg BT 465.04 202.10 Td (with ) Tj ET Q q 0 0 0 rg BT 485.33 202.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 529.49 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 547.55 202.10 Td (our ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 81.22 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 92.43 190.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 125.30 190.10 Td (with ) Tj ET Q q 0 0 0 rg BT 146.53 190.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 192.18 190.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 213.96 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 232.95 190.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 285.57 190.10 Td (or ) Tj ET Q q 0 0 0 rg BT 297.90 190.10 Td (any ) Tj ET Q q 0 0 0 rg BT 316.34 190.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 350.87 190.10 Td (change ) Tj ET Q q 0 0 0 rg BT 384.31 190.10 Td (in ) Tj ET Q q 0 0 0 rg BT 396.09 190.10 Td (those ) Tj ET Q q 0 0 0 rg BT 421.20 190.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 442.97 190.10 Td (or ) Tj ET Q q 0 0 0 rg BT 455.30 190.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 507.92 190.10 Td (could ) Tj ET Q q 0 0 0 rg BT 534.14 190.10 Td (have ) Tj ET Q q 0 0 0 rg BT 557.01 190.10 Td (a ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 87.78 178.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 118.91 178.10 Td (on ) Tj ET Q q 0 0 0 rg BT 132.82 178.10 Td (our ) Tj ET Q q 0 0 0 rg BT 150.63 178.10 Td (business.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 188.14 178.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.49 178.10 Td (A) Tj ET Q q 0 0 0 rg BT 198.16 178.10 Td ( ) Tj ET Q q 0 0 0 rg BT 201.51 178.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 247.64 178.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 279.88 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 291.56 178.10 Td (our ) Tj ET Q q 0 0 0 rg BT 308.24 178.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 352.14 178.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 384.91 178.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 427.69 178.10 Td (through ) Tj ET Q q 0 0 0 rg BT 462.15 178.10 Td (our ) Tj ET Q q 0 0 0 rg BT 478.83 178.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 504.95 178.10 Td (of) Tj ET Q q 0 0 0 rg BT 513.09 178.10 Td (ferings. ) Tj ET Q q 0 0 0 rg BT 546.47 178.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (extension ) Tj ET Q q 0 0 0 rg BT 91.10 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.20 166.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 127.73 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 138.28 166.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 183.82 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 201.02 166.10 Td (related ) Tj ET Q q 0 0 0 rg BT 231.00 166.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 273.20 166.10 Td (ef) Tj ET Q q 0 0 0 rg BT 280.78 166.10 Td (forts ) Tj ET Q q 0 0 0 rg BT 301.88 166.10 Td (is ) Tj ET Q q 0 0 0 rg BT 311.32 166.10 Td (a ) Tj ET Q q 0 0 0 rg BT 318.53 166.10 Td (highly ) Tj ET Q q 0 0 0 rg BT 346.86 166.10 Td (regulated ) Tj ET Q q 0 0 0 rg BT 386.83 166.10 Td (area ) Tj ET Q q 0 0 0 rg BT 406.25 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 417.35 166.10 Td (our ) Tj ET Q q 0 0 0 rg BT 433.45 166.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 472.61 166.10 Td (Numerous ) Tj ET Q q 0 0 0 rg BT 517.04 166.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 547.56 166.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (state ) Tj ET Q q 0 0 0 rg BT 70.59 154.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 91.18 154.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 122.33 154.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 165.14 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 181.84 154.10 Td (other ) Tj ET Q q 0 0 0 rg BT 204.65 154.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 259.11 154.10 Td (on ) Tj ET Q q 0 0 0 rg BT 271.37 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 285.85 154.10 Td (origination, ) Tj ET Q q 0 0 0 rg BT 334.50 154.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 373.41 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 390.12 154.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 442.35 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 452.94 154.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 477.97 154.10 Td (accounts. ) Tj ET Q q 0 0 0 rg BT 517.55 154.10 Td (These ) Tj ET Q q 0 0 0 rg BT 543.69 154.10 Td (laws ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (include, ) Tj ET Q q 0 0 0 rg BT 84.44 142.10 Td (but ) Tj ET Q q 0 0 0 rg BT 99.72 142.10 Td (are ) Tj ET Q q 0 0 0 rg BT 114.43 142.10 Td (not ) Tj ET Q q 0 0 0 rg BT 129.72 142.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 160.55 142.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 173.15 142.10 Td (TILA, ) Tj ET Q q 0 0 0 rg BT 200.93 142.10 Td (ECOA, ) Tj ET Q q 0 0 0 rg BT 233.15 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 247.88 142.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 298.71 142.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 318.15 142.10 Td (FCRA, ) Tj ET Q q 0 0 0 rg BT 349.28 142.10 Td (GLB, ) Tj ET Q q 0 0 0 rg BT 374.29 142.10 Td (FTCA) Tj ET Q q 0 0 0 rg BT 399.30 142.10 Td ( ) Tj ET Q q 0 0 0 rg BT 401.80 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 418.74 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 433.28 142.10 Td (T) Tj ET Q q 0 0 0 rg BT 438.69 142.10 Td (elephone ) Tj ET Q q 0 0 0 rg BT 477.29 142.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 520.91 142.10 Td (Protection ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 69.49 130.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 87.60 130.10 Td (business ) Tj ET Q q 0 0 0 rg BT 124.04 130.10 Td (practices, ) Tj ET Q q 0 0 0 rg BT 164.63 130.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 207.72 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 224.71 130.10 Td (advertising ) Tj ET Q q 0 0 0 rg BT 271.70 130.10 Td (terms, ) Tj ET Q q 0 0 0 rg BT 298.97 130.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 345.39 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 362.38 130.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 400.46 130.10 Td (for ) Tj ET Q q 0 0 0 rg BT 414.68 130.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 439.99 130.10 Td (applications ) Tj ET Q q 0 0 0 rg BT 490.87 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 507.86 130.10 Td (underwriting, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 74.65 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 85.41 118.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 110.61 118.10 Td (extensions ) Tj ET Q q 0 0 0 rg BT 155.26 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 172.13 118.10 Td (related ) Tj ET Q q 0 0 0 rg BT 201.77 118.10 Td (disclosures, ) Tj ET Q q 0 0 0 rg BT 251.14 118.10 Td (data ) Tj ET Q q 0 0 0 rg BT 270.23 118.10 Td (privacy ) Tj ET Q q 0 0 0 rg BT 302.65 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 319.52 118.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 362.49 118.10 Td (practices, ) Tj ET Q q 0 0 0 rg BT 402.96 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 419.83 118.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 461.69 118.10 Td (practices, ) Tj ET Q q 0 0 0 rg BT 502.16 118.10 Td (may ) Tj ET Q q 0 0 0 rg BT 521.81 118.10 Td (be ) Tj ET Q q 0 0 0 rg BT 533.68 118.10 Td (subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.88 106.10 Td (periodic ) Tj ET Q q 0 0 0 rg BT 96.74 106.10 Td (or ) Tj ET Q q 0 0 0 rg BT 108.17 106.10 Td (special ) Tj ET Q q 0 0 0 rg BT 139.03 106.10 Td (reviews ) Tj ET Q q 0 0 0 rg BT 173.23 106.10 Td (by ) Tj ET Q q 0 0 0 rg BT 186.33 106.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 230.53 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 248.06 106.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 301.13 106.10 Td (authorities ) Tj ET Q q 0 0 0 rg BT 346.45 106.10 Td (under ) Tj ET Q q 0 0 0 rg BT 372.31 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 387.63 106.10 Td (foregoing ) Tj ET Q q 0 0 0 rg BT 429.61 106.10 Td (laws. ) Tj ET Q q 0 0 0 rg BT 453.31 106.10 Td (These ) Tj ET Q q 0 0 0 rg BT 480.29 106.10 Td (reviews ) Tj ET Q q 0 0 0 rg BT 514.49 106.10 Td (could ) Tj ET Q q 0 0 0 rg BT 539.80 106.10 Td (range ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (from ) Tj ET Q q 0 0 0 rg BT 72.37 94.10 Td (investigations ) Tj ET Q q 0 0 0 rg BT 130.86 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 142.12 94.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 176.15 94.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 217.96 94.10 Td (complaints ) Tj ET Q q 0 0 0 rg BT 264.78 94.10 Td (or ) Tj ET Q q 0 0 0 rg BT 276.04 94.10 Td (concerns ) Tj ET Q q 0 0 0 rg BT 314.52 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 325.23 94.10 Td (broader ) Tj ET Q q 0 0 0 rg BT 358.70 94.10 Td (inquiries ) Tj ET Q q 0 0 0 rg BT 396.63 94.10 Td (into ) Tj ET Q q 0 0 0 rg BT 415.12 94.10 Td (our ) Tj ET Q q 0 0 0 rg BT 431.39 94.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 469.85 94.10 Td (generally) Tj ET Q q 0 0 0 rg BT 506.41 94.10 Td (. ) Tj ET Q q 0 0 0 rg BT 511.84 94.10 Td (If, ) Tj ET Q q 0 0 0 rg BT 523.94 94.10 Td (as ) Tj ET Q q 0 0 0 rg BT 535.20 94.10 Td (part ) Tj ET Q q 0 0 0 rg BT 553.68 94.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (these ) Tj ET Q q 0 0 0 rg BT 72.27 82.10 Td (reviews, ) Tj ET Q q 0 0 0 rg BT 107.60 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.54 82.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 164.36 82.10 Td (authorities ) Tj ET Q q 0 0 0 rg BT 208.29 82.10 Td (conclude ) Tj ET Q q 0 0 0 rg BT 246.11 82.10 Td (that ) Tj ET Q q 0 0 0 rg BT 262.83 82.10 Td (we ) Tj ET Q q 0 0 0 rg BT 276.22 82.10 Td (are ) Tj ET Q q 0 0 0 rg BT 290.15 82.10 Td (not ) Tj ET Q q 0 0 0 rg BT 304.65 82.10 Td (complying ) Tj ET Q q 0 0 0 rg BT 349.15 82.10 Td (with ) Tj ET Q q 0 0 0 rg BT 368.66 82.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 411.47 82.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 431.52 82.10 Td (or ) Tj ET Q q 0 0 0 rg BT 441.58 82.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 490.24 82.10 Td (they ) Tj ET Q q 0 0 0 rg BT 509.18 82.10 Td (could ) Tj ET Q q 0 0 0 rg BT 533.12 82.10 Td (request ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.66 70.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 91.87 70.10 Td (a ) Tj ET Q q 0 0 0 rg BT 98.64 70.10 Td (wide ) Tj ET Q q 0 0 0 rg BT 120.41 70.10 Td (range ) Tj ET Q q 0 0 0 rg BT 144.94 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 155.60 70.10 Td (sanctions ) Tj ET Q q 0 0 0 rg BT 195.14 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 211.91 70.10 Td (remedies ) Tj ET Q q 0 0 0 rg BT 250.33 70.10 Td (including ) Tj ET Q q 0 0 0 rg BT 290.43 70.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 329.42 70.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 363.95 70.10 Td (in ) Tj ET Q q 0 0 0 rg BT 374.06 70.10 Td (advertising ) Tj ET Q q 0 0 0 rg BT 420.82 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 437.59 70.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 479.34 70.10 Td (practices, ) Tj ET Q q 0 0 0 rg BT 519.71 70.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 554.24 70.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.67 58.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 90.77 58.10 Td (application ) Tj ET Q q 0 0 0 rg BT 137.54 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 154.31 58.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 208.31 58.10 Td (practices, ) Tj ET Q q 0 0 0 rg BT 248.68 58.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 283.22 58.10 Td (in ) Tj ET Q q 0 0 0 rg BT 293.34 58.10 Td (our ) Tj ET Q q 0 0 0 rg BT 309.00 58.10 Td (data ) Tj ET Q q 0 0 0 rg BT 328.00 58.10 Td (privacy ) Tj ET Q q 0 0 0 rg BT 360.32 58.10 Td (or ) Tj ET Q q 0 0 0 rg BT 370.99 58.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 413.87 58.10 Td (practices, ) Tj ET Q q 0 0 0 rg BT 454.24 58.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 488.78 58.10 Td (in ) Tj ET Q q 0 0 0 rg BT 498.90 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 513.46 58.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 538.01 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 548.68 58.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 75.09 46.10 Td (or ) Tj ET Q q 0 0 0 rg BT 85.74 46.10 Td (other ) Tj ET Q q 0 0 0 rg BT 108.61 46.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 145.91 46.10 Td (products ) Tj ET Q q 0 0 0 rg BT 182.67 46.10 Td (\(such ) Tj ET Q q 0 0 0 rg BT 206.65 46.10 Td (as ) Tj ET Q q 0 0 0 rg BT 217.30 46.10 Td (decreases ) Tj ET Q q 0 0 0 rg BT 257.93 46.10 Td (in ) Tj ET Q q 0 0 0 rg BT 268.03 46.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 299.79 46.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 320.98 46.10 Td (or ) Tj ET Q q 0 0 0 rg BT 331.64 46.10 Td (fees\), ) Tj ET Q q 0 0 0 rg BT 355.89 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 370.42 46.10 Td (imposition ) Tj ET Q q 0 0 0 rg BT 415.53 46.10 Td (of ) Tj ET Q q 0 0 0 rg BT 426.18 46.10 Td (fines ) Tj ET Q q 0 0 0 rg BT 447.94 46.10 Td (or ) Tj ET Q q 0 0 0 rg BT 458.59 46.10 Td (penalties, ) Tj ET Q q 0 0 0 rg BT 498.96 46.10 Td (or ) Tj ET Q q 0 0 0 rg BT 509.61 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 524.15 46.10 Td (paying ) Tj ET Q q 0 0 0 rg BT 553.69 46.10 Td (of ) Tj ET Q endstream endobj 49 0 obj <>] /Rotate 0 /Contents 50 0 R>> endobj 50 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (restitution ) Tj ET Q q 0 0 0 rg BT 93.37 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 104.52 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 119.55 742.10 Td (taking ) Tj ET Q q 0 0 0 rg BT 147.36 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 158.51 742.10 Td (other ) Tj ET Q q 0 0 0 rg BT 181.88 742.10 Td (remedial ) Tj ET Q q 0 0 0 rg BT 219.67 742.10 Td (action ) Tj ET Q q 0 0 0 rg BT 246.92 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 267.52 742.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 298.65 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 309.25 742.10 Td (af) Tj ET Q q 0 0 0 rg BT 316.84 742.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 344.08 742.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 389.74 742.10 Td (They ) Tj ET Q q 0 0 0 rg BT 413.10 742.10 Td (also ) Tj ET Q q 0 0 0 rg BT 432.03 742.10 Td (could ) Tj ET Q q 0 0 0 rg BT 457.06 742.10 Td (require ) Tj ET Q q 0 0 0 rg BT 488.19 742.10 Td (us ) Tj ET Q q 0 0 0 rg BT 499.90 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 510.50 742.10 Td (stop ) Tj ET Q q 0 0 0 rg BT 529.99 742.10 Td (of) Tj ET Q q 0 0 0 rg BT 538.14 742.10 Td (fering ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (some ) Tj ET Q q 0 0 0 rg BT 73.61 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 84.44 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 100.27 730.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 125.53 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 136.36 730.10 Td (other ) Tj ET Q q 0 0 0 rg BT 159.41 730.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 196.89 730.10 Td (products ) Tj ET Q q 0 0 0 rg BT 233.83 730.10 Td (within ) Tj ET Q q 0 0 0 rg BT 261.88 730.10 Td (one ) Tj ET Q q 0 0 0 rg BT 278.82 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 289.65 730.10 Td (more ) Tj ET Q q 0 0 0 rg BT 312.70 730.10 Td (states, ) Tj ET Q q 0 0 0 rg BT 339.92 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 350.75 730.10 Td (nationwide.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.10 Td (Negative ) Tj ET Q q 0 0 0 rg BT 88.48 712.10 Td (publicity ) Tj ET Q q 0 0 0 rg BT 126.42 712.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 159.35 712.10 Td (to ) Tj ET Q q 0 0 0 rg BT 169.52 712.10 Td (any ) Tj ET Q q 0 0 0 rg BT 186.35 712.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 219.83 712.10 Td (inquiry ) Tj ET Q q 0 0 0 rg BT 251.11 712.10 Td (or ) Tj ET Q q 0 0 0 rg BT 261.83 712.10 Td (investigation, ) Tj ET Q q 0 0 0 rg BT 318.38 712.10 Td (regardless ) Tj ET Q q 0 0 0 rg BT 361.30 712.10 Td (of ) Tj ET Q q 0 0 0 rg BT 372.02 712.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 406.62 712.10 Td (we ) Tj ET Q q 0 0 0 rg BT 420.67 712.10 Td (have ) Tj ET Q q 0 0 0 rg BT 441.93 712.10 Td (violated ) Tj ET Q q 0 0 0 rg BT 476.54 712.10 Td (any ) Tj ET Q q 0 0 0 rg BT 493.36 712.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 536.84 712.10 Td (law ) Tj ET Q q 0 0 0 rg BT 553.67 712.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 93.06 700.10 Td (or ) Tj ET Q q 0 0 0 rg BT 103.91 700.10 Td (the ) Tj ET Q q 0 0 0 rg BT 118.65 700.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 145.61 700.10 Td (of ) Tj ET Q q 0 0 0 rg BT 156.46 700.10 Td (any ) Tj ET Q q 0 0 0 rg BT 173.42 700.10 Td (such ) Tj ET Q q 0 0 0 rg BT 194.27 700.10 Td (violation, ) Tj ET Q q 0 0 0 rg BT 234.84 700.10 Td (could ) Tj ET Q q 0 0 0 rg BT 259.58 700.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 303.75 700.10 Td (af) Tj ET Q q 0 0 0 rg BT 311.34 700.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 328.84 700.10 Td (our ) Tj ET Q q 0 0 0 rg BT 344.70 700.10 Td (reputation, ) Tj ET Q q 0 0 0 rg BT 390.26 700.10 Td (our ) Tj ET Q q 0 0 0 rg BT 406.11 700.10 Td (brand ) Tj ET Q q 0 0 0 rg BT 431.40 700.10 Td (and ) Tj ET Q q 0 0 0 rg BT 448.36 700.10 Td (our ) Tj ET Q q 0 0 0 rg BT 464.21 700.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 487.84 700.10 Td (price, ) Tj ET Q q 0 0 0 rg BT 512.85 700.10 Td (which ) Tj ET Q q 0 0 0 rg BT 539.80 700.10 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (have ) Tj ET Q q 0 0 0 rg BT 71.26 688.10 Td (a ) Tj ET Q q 0 0 0 rg BT 78.09 688.10 Td (material ) Tj ET Q q 0 0 0 rg BT 113.23 688.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 146.16 688.10 Td (ef) Tj ET Q q 0 0 0 rg BT 153.75 688.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 171.12 688.10 Td (on ) Tj ET Q q 0 0 0 rg BT 183.50 688.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 197.28 688.10 Td (If ) Tj ET Q q 0 0 0 rg BT 206.33 688.10 Td (any ) Tj ET Q q 0 0 0 rg BT 223.16 688.10 Td (deficiencies ) Tj ET Q q 0 0 0 rg BT 273.29 688.10 Td (or ) Tj ET Q q 0 0 0 rg BT 284.01 688.10 Td (violations ) Tj ET Q q 0 0 0 rg BT 325.84 688.10 Td (of ) Tj ET Q q 0 0 0 rg BT 336.55 688.10 Td (law ) Tj ET Q q 0 0 0 rg BT 353.38 688.10 Td (or ) Tj ET Q q 0 0 0 rg BT 364.10 688.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 410.92 688.10 Td (are ) Tj ET Q q 0 0 0 rg BT 425.51 688.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 466.22 688.10 Td (by ) Tj ET Q q 0 0 0 rg BT 478.60 688.10 Td (us ) Tj ET Q q 0 0 0 rg BT 489.88 688.10 Td (or ) Tj ET Q q 0 0 0 rg BT 500.60 688.10 Td (asserted ) Tj ET Q q 0 0 0 rg BT 535.19 688.10 Td (by ) Tj ET Q q 0 0 0 rg BT 547.58 688.10 Td (any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (regulator ) Tj ET Q q 0 0 0 rg BT 89.00 676.10 Td (or ) Tj ET Q q 0 0 0 rg BT 100.24 676.10 Td (other ) Tj ET Q q 0 0 0 rg BT 123.70 676.10 Td (person, ) Tj ET Q q 0 0 0 rg BT 155.77 676.10 Td (or ) Tj ET Q q 0 0 0 rg BT 167.01 676.10 Td (if ) Tj ET Q q 0 0 0 rg BT 176.02 676.10 Td (any ) Tj ET Q q 0 0 0 rg BT 193.37 676.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 237.38 676.10 Td (or ) Tj ET Q q 0 0 0 rg BT 248.61 676.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 301.49 676.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 340.51 676.10 Td (or ) Tj ET Q q 0 0 0 rg BT 351.75 676.10 Td (court ) Tj ET Q q 0 0 0 rg BT 375.20 676.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 410.32 676.10 Td (us ) Tj ET Q q 0 0 0 rg BT 422.12 676.10 Td (to ) Tj ET Q q 0 0 0 rg BT 432.81 676.10 Td (change ) Tj ET Q q 0 0 0 rg BT 464.03 676.10 Td (any ) Tj ET Q q 0 0 0 rg BT 481.38 676.10 Td (of ) Tj ET Q q 0 0 0 rg BT 492.62 676.10 Td (our ) Tj ET Q q 0 0 0 rg BT 508.86 676.10 Td (practices, ) Tj ET Q q 0 0 0 rg BT 549.80 676.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (correction ) Tj ET Q q 0 0 0 rg BT 93.03 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 103.87 664.10 Td (such ) Tj ET Q q 0 0 0 rg BT 124.70 664.10 Td (deficiencies ) Tj ET Q q 0 0 0 rg BT 174.95 664.10 Td (or ) Tj ET Q q 0 0 0 rg BT 185.78 664.10 Td (violations, ) Tj ET Q q 0 0 0 rg BT 230.23 664.10 Td (or ) Tj ET Q q 0 0 0 rg BT 241.06 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.78 664.10 Td (making ) Tj ET Q q 0 0 0 rg BT 288.28 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 299.11 664.10 Td (such ) Tj ET Q q 0 0 0 rg BT 319.94 664.10 Td (changes, ) Tj ET Q q 0 0 0 rg BT 357.15 664.10 Td (could ) Tj ET Q q 0 0 0 rg BT 381.87 664.10 Td (have ) Tj ET Q q 0 0 0 rg BT 403.25 664.10 Td (a ) Tj ET Q q 0 0 0 rg BT 410.19 664.10 Td (material ) Tj ET Q q 0 0 0 rg BT 445.45 664.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 478.49 664.10 Td (ef) Tj ET Q q 0 0 0 rg BT 486.08 664.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 503.57 664.10 Td (on ) Tj ET Q q 0 0 0 rg BT 516.07 664.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 529.79 664.10 Td (W) Tj ET Q q 0 0 0 rg BT 538.42 664.10 Td (e ) Tj ET Q q 0 0 0 rg BT 545.36 664.10 Td (face ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 63.72 652.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 80.22 652.10 Td (that ) Tj ET Q q 0 0 0 rg BT 96.72 652.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 142.66 652.10 Td (or ) Tj ET Q q 0 0 0 rg BT 152.49 652.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 196.77 652.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 233.27 652.10 Td (from ) Tj ET Q q 0 0 0 rg BT 254.21 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 267.93 652.10 Td (enactment, ) Tj ET Q q 0 0 0 rg BT 313.02 652.10 Td (change, ) Tj ET Q q 0 0 0 rg BT 345.34 652.10 Td (or ) Tj ET Q q 0 0 0 rg BT 355.17 652.10 Td (interpretation ) Tj ET Q q 0 0 0 rg BT 410.54 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 420.38 652.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 449.63 652.10 Td (or ) Tj ET Q q 0 0 0 rg BT 459.47 652.10 Td (state ) Tj ET Q q 0 0 0 rg BT 479.29 652.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 499.13 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 515.07 652.10 Td (regulations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (such ) Tj ET Q q 0 0 0 rg BT 69.69 640.10 Td (as ) Tj ET Q q 0 0 0 rg BT 79.38 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 92.96 640.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 142.90 640.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 161.20 640.10 Td (could ) Tj ET Q q 0 0 0 rg BT 184.78 640.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 227.79 640.10 Td (af) Tj ET Q q 0 0 0 rg BT 235.38 640.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 251.73 640.10 Td (our ) Tj ET Q q 0 0 0 rg BT 266.42 640.10 Td (business ) Tj ET Q q 0 0 0 rg BT 301.67 640.10 Td (activities, ) Tj ET Q q 0 0 0 rg BT 341.63 640.10 Td (require ) Tj ET Q q 0 0 0 rg BT 371.31 640.10 Td (us ) Tj ET Q q 0 0 0 rg BT 381.56 640.10 Td (to ) Tj ET Q q 0 0 0 rg BT 390.70 640.10 Td (make ) Tj ET Q q 0 0 0 rg BT 413.72 640.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 457.29 640.10 Td (expenditures ) Tj ET Q q 0 0 0 rg BT 509.75 640.10 Td (or ) Tj ET Q q 0 0 0 rg BT 519.44 640.10 Td (ef) Tj ET Q q 0 0 0 rg BT 527.03 640.10 Td (fectively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (eliminate ) Tj ET Q q 0 0 0 rg BT 89.71 628.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 114.97 628.10 Td (products ) Tj ET Q q 0 0 0 rg BT 151.91 628.10 Td (or ) Tj ET Q q 0 0 0 rg BT 162.74 628.10 Td (other ) Tj ET Q q 0 0 0 rg BT 185.79 628.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 223.27 628.10 Td (products ) Tj ET Q q 0 0 0 rg BT 260.21 628.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 298.80 628.10 Td (of) Tj ET Q q 0 0 0 rg BT 306.95 628.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 329.99 628.10 Td (to ) Tj ET Q q 0 0 0 rg BT 340.26 628.10 Td (customers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 69.70 610.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 98.28 610.10 Td (on ) Tj ET Q q 0 0 0 rg BT 110.76 610.10 Td (our ) Tj ET Q q 0 0 0 rg BT 126.58 610.10 Td (part ) Tj ET Q q 0 0 0 rg BT 144.61 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 154.87 610.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 187.35 610.10 Td (with ) Tj ET Q q 0 0 0 rg BT 207.61 610.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 229.52 610.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 284.21 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 294.47 610.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 340.83 610.10 Td (with ) Tj ET Q q 0 0 0 rg BT 361.09 610.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 386.33 610.10 Td (or ) Tj ET Q q 0 0 0 rg BT 397.15 610.10 Td (other ) Tj ET Q q 0 0 0 rg BT 420.18 610.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 457.64 610.10 Td (products, ) Tj ET Q q 0 0 0 rg BT 497.06 610.10 Td (or ) Tj ET Q q 0 0 0 rg BT 507.87 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 518.13 610.10 Td (connection ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (with ) Tj ET Q q 0 0 0 rg BT 69.89 598.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 108.65 598.10 Td (or ) Tj ET Q q 0 0 0 rg BT 119.09 598.10 Td (collecting ) Tj ET Q q 0 0 0 rg BT 160.63 598.10 Td (our ) Tj ET Q q 0 0 0 rg BT 176.07 598.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 213.16 598.10 Td (or ) Tj ET Q q 0 0 0 rg BT 223.60 598.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 264.59 598.10 Td (dealing ) Tj ET Q q 0 0 0 rg BT 296.13 598.10 Td (with ) Tj ET Q q 0 0 0 rg BT 316.02 598.10 Td (consumers, ) Tj ET Q q 0 0 0 rg BT 363.40 598.10 Td (could ) Tj ET Q q 0 0 0 rg BT 387.72 598.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 439.82 598.10 Td (impair ) Tj ET Q q 0 0 0 rg BT 468.04 598.10 Td (our ) Tj ET Q q 0 0 0 rg BT 483.48 598.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 511.14 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 521.03 598.10 Td (collect ) Tj ET Q q 0 0 0 rg BT 549.79 598.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (full ) Tj ET Q q 0 0 0 rg BT 66.63 586.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 99.37 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 110.44 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 125.40 586.10 Td (account ) Tj ET Q q 0 0 0 rg BT 159.23 586.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 196.40 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 213.58 586.10 Td (could ) Tj ET Q q 0 0 0 rg BT 238.54 586.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 269.60 586.10 Td (us ) Tj ET Q q 0 0 0 rg BT 281.24 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 291.76 586.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 337.27 586.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 371.12 586.10 Td (for ) Tj ET Q q 0 0 0 rg BT 385.52 586.10 Td (damages ) Tj ET Q q 0 0 0 rg BT 423.25 586.10 Td (or ) Tj ET Q q 0 0 0 rg BT 434.32 586.10 Td (penalties. ) Tj ET Q q 0 0 0 rg BT 474.91 586.10 Td (The ) Tj ET Q q 0 0 0 rg BT 493.20 586.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 536.50 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 547.57 586.10 Td (any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 88.45 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 99.13 574.10 Td (this ) Tj ET Q q 0 0 0 rg BT 115.92 574.10 Td (nature, ) Tj ET Q q 0 0 0 rg BT 145.75 574.10 Td (or ) Tj ET Q q 0 0 0 rg BT 156.43 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 170.99 574.10 Td (rendering ) Tj ET Q q 0 0 0 rg BT 211.65 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 222.33 574.10 Td (any ) Tj ET Q q 0 0 0 rg BT 239.11 574.10 Td (judgment ) Tj ET Q q 0 0 0 rg BT 279.23 574.10 Td (against ) Tj ET Q q 0 0 0 rg BT 309.90 574.10 Td (us ) Tj ET Q q 0 0 0 rg BT 321.14 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 331.26 574.10 Td (any ) Tj ET Q q 0 0 0 rg BT 348.04 574.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 386.50 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 397.17 574.10 Td (this ) Tj ET Q q 0 0 0 rg BT 413.97 574.10 Td (nature, ) Tj ET Q q 0 0 0 rg BT 443.80 574.10 Td (could ) Tj ET Q q 0 0 0 rg BT 468.36 574.10 Td (have ) Tj ET Q q 0 0 0 rg BT 489.58 574.10 Td (a ) Tj ET Q q 0 0 0 rg BT 496.36 574.10 Td (material ) Tj ET Q q 0 0 0 rg BT 531.47 574.10 Td (adverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 562.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 75.07 562.10 Td (on ) Tj ET Q q 0 0 0 rg BT 87.57 562.10 Td (us.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 544.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.53 544.10 Td (may ) Tj ET Q q 0 0 0 rg BT 85.20 544.10 Td (also ) Tj ET Q q 0 0 0 rg BT 103.75 544.10 Td (expand ) Tj ET Q q 0 0 0 rg BT 135.08 544.10 Td (into ) Tj ET Q q 0 0 0 rg BT 153.09 544.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 195.53 544.10 Td (jurisdictions ) Tj ET Q q 0 0 0 rg BT 247.43 544.10 Td (or ) Tj ET Q q 0 0 0 rg BT 258.21 544.10 Td (of) Tj ET Q q 0 0 0 rg BT 266.36 544.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 279.91 544.10 Td (new ) Tj ET Q q 0 0 0 rg BT 299.02 544.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 324.23 544.10 Td (products ) Tj ET Q q 0 0 0 rg BT 361.12 544.10 Td (in ) Tj ET Q q 0 0 0 rg BT 371.35 544.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 405.47 544.10 Td (jurisdictions. ) Tj ET Q q 0 0 0 rg BT 459.69 544.10 Td (W) Tj ET Q q 0 0 0 rg BT 468.32 544.10 Td (e ) Tj ET Q q 0 0 0 rg BT 475.21 544.10 Td (must ) Tj ET Q q 0 0 0 rg BT 497.11 544.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 529.56 544.10 Td (with ) Tj ET Q q 0 0 0 rg BT 549.79 544.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 70.68 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 81.35 532.10 Td (each ) Tj ET Q q 0 0 0 rg BT 102.01 532.10 Td (jurisdiction ) Tj ET Q q 0 0 0 rg BT 149.91 532.10 Td (we ) Tj ET Q q 0 0 0 rg BT 163.92 532.10 Td (operate ) Tj ET Q q 0 0 0 rg BT 195.69 532.10 Td (in, ) Tj ET Q q 0 0 0 rg BT 208.31 532.10 Td (which ) Tj ET Q q 0 0 0 rg BT 235.10 532.10 Td (are ) Tj ET Q q 0 0 0 rg BT 249.65 532.10 Td (not ) Tj ET Q q 0 0 0 rg BT 264.78 532.10 Td (uniform. ) Tj ET Q q 0 0 0 rg BT 301.84 532.10 Td (New ) Tj ET Q q 0 0 0 rg BT 323.07 532.10 Td (or ) Tj ET Q q 0 0 0 rg BT 333.74 532.10 Td (dif) Tj ET Q q 0 0 0 rg BT 344.67 532.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 370.33 532.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 391.01 532.10 Td (in ) Tj ET Q q 0 0 0 rg BT 401.13 532.10 Td (new ) Tj ET Q q 0 0 0 rg BT 420.14 532.10 Td (jurisdictions ) Tj ET Q q 0 0 0 rg BT 471.93 532.10 Td (into ) Tj ET Q q 0 0 0 rg BT 489.83 532.10 Td (which ) Tj ET Q q 0 0 0 rg BT 516.62 532.10 Td (we ) Tj ET Q q 0 0 0 rg BT 530.62 532.10 Td (expand, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.21 520.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 94.29 520.10 Td (to ) Tj ET Q q 0 0 0 rg BT 103.94 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 118.03 520.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 138.24 520.10 Td (in ) Tj ET Q q 0 0 0 rg BT 147.89 520.10 Td (those ) Tj ET Q q 0 0 0 rg BT 170.87 520.10 Td (jurisdictions ) Tj ET Q q 0 0 0 rg BT 222.19 520.10 Td (or ) Tj ET Q q 0 0 0 rg BT 232.40 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 246.49 520.10 Td (ones ) Tj ET Q q 0 0 0 rg BT 266.69 520.10 Td (in ) Tj ET Q q 0 0 0 rg BT 276.35 520.10 Td (which ) Tj ET Q q 0 0 0 rg BT 302.66 520.10 Td (we ) Tj ET Q q 0 0 0 rg BT 316.20 520.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 354.17 520.10 Td (operate, ) Tj ET Q q 0 0 0 rg BT 387.96 520.10 Td (could ) Tj ET Q q 0 0 0 rg BT 412.06 520.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 446.68 520.10 Td (our ) Tj ET Q q 0 0 0 rg BT 461.89 520.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 509.85 520.10 Td (costs, ) Tj ET Q q 0 0 0 rg BT 534.23 520.10 Td (expose ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (us ) Tj ET Q q 0 0 0 rg BT 61.39 508.10 Td (to ) Tj ET Q q 0 0 0 rg BT 71.67 508.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 110.28 508.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 127.78 508.10 Td (or ) Tj ET Q q 0 0 0 rg BT 138.61 508.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 179.99 508.10 Td (have ) Tj ET Q q 0 0 0 rg BT 201.36 508.10 Td (a ) Tj ET Q q 0 0 0 rg BT 208.30 508.10 Td (material ) Tj ET Q q 0 0 0 rg BT 243.56 508.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 276.60 508.10 Td (ef) Tj ET Q q 0 0 0 rg BT 284.18 508.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 301.67 508.10 Td (on ) Tj ET Q q 0 0 0 rg BT 314.17 508.10 Td (us.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 490.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.26 490.10 Td (have ) Tj ET Q q 0 0 0 rg BT 87.36 490.10 Td (been ) Tj ET Q q 0 0 0 rg BT 109.47 490.10 Td (named ) Tj ET Q q 0 0 0 rg BT 139.91 490.10 Td (as ) Tj ET Q q 0 0 0 rg BT 151.47 490.10 Td (a ) Tj ET Q q 0 0 0 rg BT 159.14 490.10 Td (defendant ) Tj ET Q q 0 0 0 rg BT 202.92 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 213.92 490.10 Td (multiple ) Tj ET Q q 0 0 0 rg BT 250.48 490.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 292.04 490.10 Td (class ) Tj ET Q q 0 0 0 rg BT 314.70 490.10 Td (action ) Tj ET Q q 0 0 0 rg BT 342.93 490.10 Td (lawsuits ) Tj ET Q q 0 0 0 rg BT 378.94 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 397.17 490.10 Td (shareholder ) Tj ET Q q 0 0 0 rg BT 449.29 490.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 491.94 490.10 Td (lawsuits, ) Tj ET Q q 0 0 0 rg BT 530.46 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 548.69 490.10 Td (are ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (also ) Tj ET Q q 0 0 0 rg BT 68.69 478.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 99.60 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 109.41 478.10 Td (an ) Tj ET Q q 0 0 0 rg BT 121.99 478.10 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 157.92 478.10 Td (SEC ) Tj ET Q q 0 0 0 rg BT 178.84 478.10 Td (investigation. ) Tj ET Q q 0 0 0 rg BT 236.15 478.10 Td (Potential ) Tj ET Q q 0 0 0 rg BT 275.40 478.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 306.32 478.10 Td (or ) Tj ET Q q 0 0 0 rg BT 317.23 478.10 Td (related ) Tj ET Q q 0 0 0 rg BT 347.58 478.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 386.84 478.10 Td (or ) Tj ET Q q 0 0 0 rg BT 397.75 478.10 Td (investigations ) Tj ET Q q 0 0 0 rg BT 456.45 478.10 Td (could ) Tj ET Q q 0 0 0 rg BT 481.25 478.10 Td (result ) Tj ET Q q 0 0 0 rg BT 506.62 478.10 Td (in ) Tj ET Q q 0 0 0 rg BT 516.98 478.10 Td (substantial ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (damages ) Tj ET Q q 0 0 0 rg BT 88.28 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 106.02 466.10 Td (may ) Tj ET Q q 0 0 0 rg BT 125.41 466.10 Td (divert ) Tj ET Q q 0 0 0 rg BT 150.90 466.10 Td (management's ) Tj ET Q q 0 0 0 rg BT 213.08 466.10 Td (time ) Tj ET Q q 0 0 0 rg BT 233.03 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 250.76 466.10 Td (attention ) Tj ET Q q 0 0 0 rg BT 289.61 466.10 Td (from ) Tj ET Q q 0 0 0 rg BT 311.78 466.10 Td (our ) Tj ET Q q 0 0 0 rg BT 328.41 466.10 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.92 466.10 Td ( ) Tj ET Q q 0 0 0 rg BT 367.94 466.10 Td (W) Tj ET Q q 0 0 0 rg BT 376.58 466.10 Td (e ) Tj ET Q q 0 0 0 rg BT 383.19 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 399.80 466.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 429.17 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 439.68 466.10 Td (our ) Tj ET Q q 0 0 0 rg BT 455.18 466.10 Td (current ) Tj ET Q q 0 0 0 rg BT 485.67 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 502.28 466.10 Td (former ) Tj ET Q q 0 0 0 rg BT 531.66 466.10 Td (of) Tj ET Q q 0 0 0 rg BT 539.81 466.10 Td (ficers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.41 454.10 Td (directors ) Tj ET Q q 0 0 0 rg BT 105.37 454.10 Td (are ) Tj ET Q q 0 0 0 rg BT 120.54 454.10 Td (named ) Tj ET Q q 0 0 0 rg BT 150.17 454.10 Td (as ) Tj ET Q q 0 0 0 rg BT 161.47 454.10 Td (defendants ) Tj ET Q q 0 0 0 rg BT 207.76 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 218.51 454.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 259.24 454.10 Td (class ) Tj ET Q q 0 0 0 rg BT 281.65 454.10 Td (action ) Tj ET Q q 0 0 0 rg BT 309.06 454.10 Td (lawsuits ) Tj ET Q q 0 0 0 rg BT 344.81 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 362.22 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 372.97 454.10 Td (related ) Tj ET Q q 0 0 0 rg BT 403.14 454.10 Td (shareholder ) Tj ET Q q 0 0 0 rg BT 452.76 454.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 495.71 454.10 Td (lawsuits. ) Tj ET Q q 0 0 0 rg BT 533.74 454.10 Td (W) Tj ET Q q 0 0 0 rg BT 542.38 454.10 Td (e ) Tj ET Q q 0 0 0 rg BT 549.79 454.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (also ) Tj ET Q q 0 0 0 rg BT 69.16 442.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 100.54 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 111.36 442.10 Td (an ) Tj ET Q q 0 0 0 rg BT 123.85 442.10 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 159.68 442.10 Td (SEC ) Tj ET Q q 0 0 0 rg BT 181.07 442.10 Td (investigation. ) Tj ET Q q 0 0 0 rg BT 238.28 442.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 261.32 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 272.70 442.10 Td (these ) Tj ET Q q 0 0 0 rg BT 296.30 442.10 Td (matters ) Tj ET Q q 0 0 0 rg BT 328.78 442.10 Td (is ) Tj ET Q q 0 0 0 rg BT 338.50 442.10 Td (described ) Tj ET Q q 0 0 0 rg BT 379.87 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 390.70 442.10 Td (more ) Tj ET Q q 0 0 0 rg BT 414.30 442.10 Td (detail ) Tj ET Q q 0 0 0 rg BT 439.56 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 450.39 442.10 Td (Part ) Tj ET Q q 0 0 0 rg BT 469.55 442.10 Td (II, ) Tj ET Q q 0 0 0 rg BT 481.76 442.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 503.13 442.10 Td (8., ) Tj ET Q q 0 0 0 rg BT 516.19 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 527.01 442.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 549.50 442.10 Td (12, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (Contingencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.21 430.10 Td (, ) Tj ET Q q 0 0 0 rg BT 112.21 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 123.04 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 137.76 430.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 193.03 430.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 232.74 430.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 279.13 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 289.96 430.10 Td (this ) Tj ET Q q 0 0 0 rg BT 306.35 430.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 338.29 430.10 Td (Report ) Tj ET Q q 0 0 0 rg BT 368.01 430.10 Td (on ) Tj ET Q q 0 0 0 rg BT 380.51 430.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 404.68 430.10 Td (10-K.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 412.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.21 412.10 Td (are ) Tj ET Q q 0 0 0 rg BT 79.54 412.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 108.33 412.10 Td (to ) Tj ET Q q 0 0 0 rg BT 118.23 412.10 Td (predict ) Tj ET Q q 0 0 0 rg BT 148.13 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 162.47 412.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 190.71 412.10 Td (or ) Tj ET Q q 0 0 0 rg BT 201.17 412.10 Td (outcome ) Tj ET Q q 0 0 0 rg BT 237.73 412.10 Td (of ) Tj ET Q q 0 0 0 rg BT 248.19 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 262.54 412.10 Td (SEC ) Tj ET Q q 0 0 0 rg BT 283.01 412.10 Td (investigation ) Tj ET Q q 0 0 0 rg BT 336.80 412.10 Td (or ) Tj ET Q q 0 0 0 rg BT 347.26 412.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 382.71 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 397.05 412.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 424.17 412.10 Td (or ) Tj ET Q q 0 0 0 rg BT 434.62 412.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 466.75 412.10 Td (of ) Tj ET Q q 0 0 0 rg BT 477.21 412.10 Td (any ) Tj ET Q q 0 0 0 rg BT 493.77 412.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 528.68 412.10 Td (sanction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (or ) Tj ET Q q 0 0 0 rg BT 61.40 400.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 114.44 400.10 Td (action ) Tj ET Q q 0 0 0 rg BT 141.94 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 157.22 400.10 Td (SEC ) Tj ET Q q 0 0 0 rg BT 178.63 400.10 Td (could ) Tj ET Q q 0 0 0 rg BT 203.92 400.10 Td (seek ) Tj ET Q q 0 0 0 rg BT 224.75 400.10 Td (to ) Tj ET Q q 0 0 0 rg BT 235.60 400.10 Td (impose, ) Tj ET Q q 0 0 0 rg BT 270.05 400.10 Td (which ) Tj ET Q q 0 0 0 rg BT 297.56 400.10 Td (could ) Tj ET Q q 0 0 0 rg BT 322.84 400.10 Td (include ) Tj ET Q q 0 0 0 rg BT 355.34 400.10 Td (fines, ) Tj ET Q q 0 0 0 rg BT 380.35 400.10 Td (penalties, ) Tj ET Q q 0 0 0 rg BT 421.46 400.10 Td (damages, ) Tj ET Q q 0 0 0 rg BT 462.01 400.10 Td (sanctions, ) Tj ET Q q 0 0 0 rg BT 504.80 400.10 Td (administrative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (remedies ) Tj ET Q q 0 0 0 rg BT 88.44 388.10 Td (and ) Tj ET Q q 0 0 0 rg BT 105.23 388.10 Td (modifications ) Tj ET Q q 0 0 0 rg BT 162.57 388.10 Td (to ) Tj ET Q q 0 0 0 rg BT 172.70 388.10 Td (our ) Tj ET Q q 0 0 0 rg BT 188.37 388.10 Td (disclosure, ) Tj ET Q q 0 0 0 rg BT 233.77 388.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 279.99 388.10 Td (and ) Tj ET Q q 0 0 0 rg BT 296.78 388.10 Td (business ) Tj ET Q q 0 0 0 rg BT 333.02 388.10 Td (practices, ) Tj ET Q q 0 0 0 rg BT 373.40 388.10 Td (including ) Tj ET Q q 0 0 0 rg BT 413.52 388.10 Td (a ) Tj ET Q q 0 0 0 rg BT 420.31 388.10 Td (prohibition ) Tj ET Q q 0 0 0 rg BT 467.10 388.10 Td (on ) Tj ET Q q 0 0 0 rg BT 479.45 388.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 512.89 388.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 546.89 388.10 Td (or ) Tj ET Q q 0 0 0 rg BT 557.57 388.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 87.49 376.10 Td (restatement ) Tj ET Q q 0 0 0 rg BT 136.08 376.10 Td (of ) Tj ET Q q 0 0 0 rg BT 146.91 376.10 Td (our ) Tj ET Q q 0 0 0 rg BT 162.74 376.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 200.22 376.10 Td (statements, ) Tj ET Q q 0 0 0 rg BT 247.43 376.10 Td (any ) Tj ET Q q 0 0 0 rg BT 264.37 376.10 Td (of ) Tj ET Q q 0 0 0 rg BT 275.20 376.10 Td (which ) Tj ET Q q 0 0 0 rg BT 302.14 376.10 Td (could ) Tj ET Q q 0 0 0 rg BT 326.86 376.10 Td (be ) Tj ET Q q 0 0 0 rg BT 338.79 376.10 Td (material.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.03 358.10 Td (lawsuits ) Tj ET Q q 0 0 0 rg BT 101.29 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 117.21 358.10 Td (SEC ) Tj ET Q q 0 0 0 rg BT 137.04 358.10 Td (investigation ) Tj ET Q q 0 0 0 rg BT 190.18 358.10 Td (could ) Tj ET Q q 0 0 0 rg BT 213.88 358.10 Td (result ) Tj ET Q q 0 0 0 rg BT 237.58 358.10 Td (in ) Tj ET Q q 0 0 0 rg BT 246.84 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 260.54 358.10 Td (diversion ) Tj ET Q q 0 0 0 rg BT 299.24 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 309.06 358.10 Td (management's ) Tj ET Q q 0 0 0 rg BT 367.32 358.10 Td (time ) Tj ET Q q 0 0 0 rg BT 386.58 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 402.50 358.10 Td (attention ) Tj ET Q q 0 0 0 rg BT 438.97 358.10 Td (away ) Tj ET Q q 0 0 0 rg BT 461.56 358.10 Td (from ) Tj ET Q q 0 0 0 rg BT 482.48 358.10 Td (business ) Tj ET Q q 0 0 0 rg BT 517.85 358.10 Td (operations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (which ) Tj ET Q q 0 0 0 rg BT 77.18 346.10 Td (could ) Tj ET Q q 0 0 0 rg BT 102.13 346.10 Td (harm ) Tj ET Q q 0 0 0 rg BT 125.41 346.10 Td (our ) Tj ET Q q 0 0 0 rg BT 141.48 346.10 Td (business ) Tj ET Q q 0 0 0 rg BT 178.11 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 195.28 346.10 Td (also ) Tj ET Q q 0 0 0 rg BT 214.13 346.10 Td (harm ) Tj ET Q q 0 0 0 rg BT 237.41 346.10 Td (our ) Tj ET Q q 0 0 0 rg BT 253.48 346.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 307.32 346.10 Td (with ) Tj ET Q q 0 0 0 rg BT 327.83 346.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 362.24 346.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 405.52 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 422.70 346.10 Td (vendors. ) Tj ET Q q 0 0 0 rg BT 459.39 346.10 Td (They ) Tj ET Q q 0 0 0 rg BT 482.68 346.10 Td (may ) Tj ET Q q 0 0 0 rg BT 502.63 346.10 Td (also ) Tj ET Q q 0 0 0 rg BT 521.48 346.10 Td (materially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (damage ) Tj ET Q q 0 0 0 rg BT 83.88 334.10 Td (our ) Tj ET Q q 0 0 0 rg BT 100.00 334.10 Td (reputation ) Tj ET Q q 0 0 0 rg BT 143.33 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 160.56 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 175.56 334.10 Td (value ) Tj ET Q q 0 0 0 rg BT 200.00 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 211.12 334.10 Td (our ) Tj ET Q q 0 0 0 rg BT 227.24 334.10 Td (brand. ) Tj ET Q q 0 0 0 rg BT 255.30 334.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 273.64 334.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 295.86 334.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 334.75 334.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 370.85 334.10 Td (in ) Tj ET Q q 0 0 0 rg BT 381.42 334.10 Td (defending ) Tj ET Q q 0 0 0 rg BT 424.19 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 439.19 334.10 Td (lawsuits ) Tj ET Q q 0 0 0 rg BT 474.76 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 491.99 334.10 Td (responding ) Tj ET Q q 0 0 0 rg BT 539.21 334.10 Td (to ) Tj ET Q q 0 0 0 rg BT 549.78 334.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (SEC ) Tj ET Q q 0 0 0 rg BT 71.55 322.10 Td (investigation ) Tj ET Q q 0 0 0 rg BT 126.42 322.10 Td (could ) Tj ET Q q 0 0 0 rg BT 151.85 322.10 Td (be ) Tj ET Q q 0 0 0 rg BT 164.50 322.10 Td (significant, ) Tj ET Q q 0 0 0 rg BT 212.42 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 230.07 322.10 Td (a ) Tj ET Q q 0 0 0 rg BT 237.72 322.10 Td (ruling ) Tj ET Q q 0 0 0 rg BT 264.81 322.10 Td (against ) Tj ET Q q 0 0 0 rg BT 296.35 322.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 310.95 322.10 Td (or ) Tj ET Q q 0 0 0 rg BT 322.49 322.10 Td (a ) Tj ET Q q 0 0 0 rg BT 330.14 322.10 Td (settlement ) Tj ET Q q 0 0 0 rg BT 374.45 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 385.99 322.10 Td (any ) Tj ET Q q 0 0 0 rg BT 403.64 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 415.18 322.10 Td (these ) Tj ET Q q 0 0 0 rg BT 438.94 322.10 Td (matters, ) Tj ET Q q 0 0 0 rg BT 474.08 322.10 Td (could ) Tj ET Q q 0 0 0 rg BT 499.51 322.10 Td (have ) Tj ET Q q 0 0 0 rg BT 521.60 322.10 Td (a ) Tj ET Q q 0 0 0 rg BT 529.25 322.10 Td (material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 83.04 310.10 Td (ef) Tj ET Q q 0 0 0 rg BT 90.63 310.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 108.11 310.10 Td (on ) Tj ET Q q 0 0 0 rg BT 120.61 310.10 Td (us.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (There ) Tj ET Q q 0 0 0 rg BT 75.77 292.10 Td (can ) Tj ET Q q 0 0 0 rg BT 92.10 292.10 Td (be ) Tj ET Q q 0 0 0 rg BT 104.00 292.10 Td (no ) Tj ET Q q 0 0 0 rg BT 116.45 292.10 Td (assurance ) Tj ET Q q 0 0 0 rg BT 157.77 292.10 Td (that ) Tj ET Q q 0 0 0 rg BT 175.22 292.10 Td (any ) Tj ET Q q 0 0 0 rg BT 192.12 292.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 230.68 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 240.91 292.10 Td (which ) Tj ET Q q 0 0 0 rg BT 267.81 292.10 Td (we ) Tj ET Q q 0 0 0 rg BT 281.92 292.10 Td (are, ) Tj ET Q q 0 0 0 rg BT 299.08 292.10 Td (or ) Tj ET Q q 0 0 0 rg BT 309.87 292.10 Td (in ) Tj ET Q q 0 0 0 rg BT 320.10 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 334.78 292.10 Td (future ) Tj ET Q q 0 0 0 rg BT 361.11 292.10 Td (may ) Tj ET Q q 0 0 0 rg BT 380.78 292.10 Td (become, ) Tj ET Q q 0 0 0 rg BT 416.83 292.10 Td (a ) Tj ET Q q 0 0 0 rg BT 423.72 292.10 Td (party ) Tj ET Q q 0 0 0 rg BT 446.72 292.10 Td (will ) Tj ET Q q 0 0 0 rg BT 464.74 292.10 Td (be ) Tj ET Q q 0 0 0 rg BT 476.63 292.10 Td (resolved ) Tj ET Q q 0 0 0 rg BT 512.96 292.10 Td (in ) Tj ET Q q 0 0 0 rg BT 523.19 292.10 Td (our ) Tj ET Q q 0 0 0 rg BT 538.98 292.10 Td (favor) Tj ET Q q 0 0 0 rg BT 559.53 292.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (These ) Tj ET Q q 0 0 0 rg BT 76.77 280.10 Td (lawsuits ) Tj ET Q q 0 0 0 rg BT 112.43 280.10 Td (and ) Tj ET Q q 0 0 0 rg BT 129.76 280.10 Td (any ) Tj ET Q q 0 0 0 rg BT 147.08 280.10 Td (other ) Tj ET Q q 0 0 0 rg BT 170.52 280.10 Td (lawsuits ) Tj ET Q q 0 0 0 rg BT 206.19 280.10 Td (that ) Tj ET Q q 0 0 0 rg BT 224.07 280.10 Td (we ) Tj ET Q q 0 0 0 rg BT 238.62 280.10 Td (may ) Tj ET Q q 0 0 0 rg BT 258.72 280.10 Td (become ) Tj ET Q q 0 0 0 rg BT 292.71 280.10 Td (party ) Tj ET Q q 0 0 0 rg BT 316.14 280.10 Td (to ) Tj ET Q q 0 0 0 rg BT 326.81 280.10 Td (are ) Tj ET Q q 0 0 0 rg BT 341.90 280.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 373.12 280.10 Td (to ) Tj ET Q q 0 0 0 rg BT 383.78 280.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 419.43 280.10 Td (uncertainties, ) Tj ET Q q 0 0 0 rg BT 475.91 280.10 Td (and ) Tj ET Q q 0 0 0 rg BT 493.24 280.10 Td (the ) Tj ET Q q 0 0 0 rg BT 508.34 280.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 531.23 280.10 Td (to ) Tj ET Q q 0 0 0 rg BT 541.90 280.10 Td (us ) Tj ET Q q 0 0 0 rg BT 553.68 280.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (defending ) Tj ET Q q 0 0 0 rg BT 91.62 268.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 129.37 268.10 Td (matters ) Tj ET Q q 0 0 0 rg BT 160.43 268.10 Td (will ) Tj ET Q q 0 0 0 rg BT 177.63 268.10 Td (depend ) Tj ET Q q 0 0 0 rg BT 208.14 268.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 229.78 268.10 Td (many ) Tj ET Q q 0 0 0 rg BT 253.63 268.10 Td (unknown ) Tj ET Q q 0 0 0 rg BT 292.49 268.10 Td (factors. ) Tj ET Q q 0 0 0 rg BT 323.47 268.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 342.32 268.10 Td (claim ) Tj ET Q q 0 0 0 rg BT 366.17 268.10 Td (that ) Tj ET Q q 0 0 0 rg BT 382.80 268.10 Td (is ) Tj ET Q q 0 0 0 rg BT 391.11 268.10 Td (successfully ) Tj ET Q q 0 0 0 rg BT 441.62 268.10 Td (decided ) Tj ET Q q 0 0 0 rg BT 474.35 268.10 Td (against ) Tj ET Q q 0 0 0 rg BT 504.31 268.10 Td (us ) Tj ET Q q 0 0 0 rg BT 514.84 268.10 Td (may ) Tj ET Q q 0 0 0 rg BT 533.69 268.10 Td (require ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (us ) Tj ET Q q 0 0 0 rg BT 60.53 256.10 Td (to ) Tj ET Q q 0 0 0 rg BT 69.94 256.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 86.02 256.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 130.42 256.10 Td (damages, ) Tj ET Q q 0 0 0 rg BT 169.55 256.10 Td (including ) Tj ET Q q 0 0 0 rg BT 208.96 256.10 Td (punitive ) Tj ET Q q 0 0 0 rg BT 243.36 256.10 Td (damages, ) Tj ET Q q 0 0 0 rg BT 282.49 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 298.56 256.10 Td (other ) Tj ET Q q 0 0 0 rg BT 320.74 256.10 Td (related ) Tj ET Q q 0 0 0 rg BT 349.58 256.10 Td (fees, ) Tj ET Q q 0 0 0 rg BT 369.81 256.10 Td (or ) Tj ET Q q 0 0 0 rg BT 379.78 256.10 Td (prevent ) Tj ET Q q 0 0 0 rg BT 411.40 256.10 Td (us ) Tj ET Q q 0 0 0 rg BT 421.93 256.10 Td (from ) Tj ET Q q 0 0 0 rg BT 443.00 256.10 Td (selling ) Tj ET Q q 0 0 0 rg BT 471.30 256.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 500.14 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 510.11 256.10 Td (our ) Tj ET Q q 0 0 0 rg BT 525.07 256.10 Td (products. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (Regardless ) Tj ET Q q 0 0 0 rg BT 96.52 244.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.50 244.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 142.35 244.10 Td (lawsuits ) Tj ET Q q 0 0 0 rg BT 177.77 244.10 Td (are ) Tj ET Q q 0 0 0 rg BT 192.62 244.10 Td (resolved ) Tj ET Q q 0 0 0 rg BT 229.14 244.10 Td (in ) Tj ET Q q 0 0 0 rg BT 239.56 244.10 Td (our ) Tj ET Q q 0 0 0 rg BT 255.54 244.10 Td (favor ) Tj ET Q q 0 0 0 rg BT 279.28 244.10 Td (or ) Tj ET Q q 0 0 0 rg BT 290.25 244.10 Td (if ) Tj ET Q q 0 0 0 rg BT 299.01 244.10 Td (we ) Tj ET Q q 0 0 0 rg BT 313.31 244.10 Td (are ) Tj ET Q q 0 0 0 rg BT 328.16 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.02 244.10 Td (plaintif) Tj ET Q q 0 0 0 rg BT 371.72 244.10 Td (f ) Tj ET Q q 0 0 0 rg BT 377.70 244.10 Td (or ) Tj ET Q q 0 0 0 rg BT 388.67 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.53 244.10 Td (defendant ) Tj ET Q q 0 0 0 rg BT 445.60 244.10 Td (in ) Tj ET Q q 0 0 0 rg BT 456.02 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 470.88 244.10 Td (litigation, ) Tj ET Q q 0 0 0 rg BT 512.14 244.10 Td (any ) Tj ET Q q 0 0 0 rg BT 529.22 244.10 Td (lawsuits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 232.10 Td (which ) Tj ET Q q 0 0 0 rg BT 87.22 232.10 Td (we ) Tj ET Q q 0 0 0 rg BT 101.38 232.10 Td (are ) Tj ET Q q 0 0 0 rg BT 116.08 232.10 Td (or ) Tj ET Q q 0 0 0 rg BT 126.91 232.10 Td (may ) Tj ET Q q 0 0 0 rg BT 146.63 232.10 Td (become ) Tj ET Q q 0 0 0 rg BT 180.22 232.10 Td (a ) Tj ET Q q 0 0 0 rg BT 187.16 232.10 Td (party ) Tj ET Q q 0 0 0 rg BT 210.21 232.10 Td (will ) Tj ET Q q 0 0 0 rg BT 228.27 232.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 253.54 232.10 Td (be ) Tj ET Q q 0 0 0 rg BT 265.48 232.10 Td (expensive ) Tj ET Q q 0 0 0 rg BT 307.96 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 324.90 232.10 Td (time ) Tj ET Q q 0 0 0 rg BT 345.18 232.10 Td (consuming ) Tj ET Q q 0 0 0 rg BT 391.56 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 401.84 232.10 Td (defend ) Tj ET Q q 0 0 0 rg BT 431.55 232.10 Td (or ) Tj ET Q q 0 0 0 rg BT 442.38 232.10 Td (resolve. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (Judicial ) Tj ET Q q 0 0 0 rg BT 87.19 214.10 Td (or ) Tj ET Q q 0 0 0 rg BT 99.94 214.10 Td (administrative ) Tj ET Q q 0 0 0 rg BT 162.68 214.10 Td (decisions, ) Tj ET Q q 0 0 0 rg BT 206.82 214.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 236.79 214.10 Td (rule-making ) Tj ET Q q 0 0 0 rg BT 291.76 214.10 Td (or ) Tj ET Q q 0 0 0 rg BT 304.51 214.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 360.59 214.10 Td (to ) Tj ET Q q 0 0 0 rg BT 372.22 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 388.86 214.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 424.36 214.10 Td (Arbitration ) Tj ET Q q 0 0 0 rg BT 473.77 214.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 491.51 214.10 Td (could ) Tj ET Q q 0 0 0 rg BT 518.14 214.10 Td (render ) Tj ET Q q 0 0 0 rg BT 549.22 214.10 Td (the ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (arbitration ) Tj ET Q q 0 0 0 rg BT 98.04 202.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 148.83 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 165.19 202.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 208.22 202.10 Td (uses ) Tj ET Q q 0 0 0 rg BT 229.58 202.10 Td (illegal ) Tj ET Q q 0 0 0 rg BT 258.71 202.10 Td (or ) Tj ET Q q 0 0 0 rg BT 271.18 202.10 Td (unenforceable.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.12 202.10 Td ( ) Tj ET Q q 0 0 0 rg BT 336.70 202.10 Td (Dispute ) Tj ET Q q 0 0 0 rg BT 371.39 202.10 Td (arbitration ) Tj ET Q q 0 0 0 rg BT 416.62 202.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 461.87 202.10 Td (are ) Tj ET Q q 0 0 0 rg BT 477.65 202.10 Td (commonplace ) Tj ET Q q 0 0 0 rg BT 537.32 202.10 Td (in ) Tj ET Q q 0 0 0 rg BT 548.68 202.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 88.08 190.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 112.26 190.10 Td (arrangements. ) Tj ET Q q 0 0 0 rg BT 170.05 190.10 Td ( ) Tj ET Q q 0 0 0 rg BT 171.37 190.10 Td (These ) Tj ET Q q 0 0 0 rg BT 196.67 190.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 239.76 190.10 Td (are ) Tj ET Q q 0 0 0 rg BT 253.39 190.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 290.36 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 299.56 190.10 Td (allow ) Tj ET Q q 0 0 0 rg BT 323.20 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 336.84 190.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 377.15 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 386.35 190.10 Td (resolve ) Tj ET Q q 0 0 0 rg BT 416.65 190.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 454.72 190.10 Td (disputes ) Tj ET Q q 0 0 0 rg BT 488.92 190.10 Td (through ) Tj ET Q q 0 0 0 rg BT 521.46 190.10 Td (individual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (arbitration ) Tj ET Q q 0 0 0 rg BT 93.86 178.10 Td (rather ) Tj ET Q q 0 0 0 rg BT 119.39 178.10 Td (than ) Tj ET Q q 0 0 0 rg BT 138.82 178.10 Td (in ) Tj ET Q q 0 0 0 rg BT 148.80 178.10 Td (court. ) Tj ET Q q 0 0 0 rg BT 174.06 178.10 Td ( ) Tj ET Q q 0 0 0 rg BT 176.11 178.10 Td (The ) Tj ET Q q 0 0 0 rg BT 193.87 178.10 Td (Company) Tj ET Q q 0 0 0 rg BT 235.54 178.10 Td (s ) Tj ET Q q 0 0 0 rg BT 241.64 178.10 Td (arbitration ) Tj ET Q q 0 0 0 rg BT 285.50 178.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 329.38 178.10 Td (explicitly ) Tj ET Q q 0 0 0 rg BT 369.36 178.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 402.12 178.10 Td (that ) Tj ET Q q 0 0 0 rg BT 419.32 178.10 Td (all ) Tj ET Q q 0 0 0 rg BT 431.53 178.10 Td (arbitrations ) Tj ET Q q 0 0 0 rg BT 479.28 178.10 Td (will ) Tj ET Q q 0 0 0 rg BT 497.05 178.10 Td (be ) Tj ET Q q 0 0 0 rg BT 508.70 178.10 Td (conducted ) Tj ET Q q 0 0 0 rg BT 552.00 178.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (an ) Tj ET Q q 0 0 0 rg BT 62.12 166.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 105.35 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 122.48 166.10 Td (not ) Tj ET Q q 0 0 0 rg BT 137.94 166.10 Td (on ) Tj ET Q q 0 0 0 rg BT 150.62 166.10 Td (a ) Tj ET Q q 0 0 0 rg BT 157.74 166.10 Td (class ) Tj ET Q q 0 0 0 rg BT 179.86 166.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 205.04 166.10 Td ( ) Tj ET Q q 0 0 0 rg BT 207.53 166.10 Td (Thus, ) Tj ET Q q 0 0 0 rg BT 232.71 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 247.61 166.10 Td (Company) Tj ET Q q 0 0 0 rg BT 289.28 166.10 Td (s ) Tj ET Q q 0 0 0 rg BT 295.85 166.10 Td (arbitration ) Tj ET Q q 0 0 0 rg BT 340.18 166.10 Td (arrangements, ) Tj ET Q q 0 0 0 rg BT 399.23 166.10 Td (if ) Tj ET Q q 0 0 0 rg BT 408.02 166.10 Td (enforced, ) Tj ET Q q 0 0 0 rg BT 448.17 166.10 Td (have ) Tj ET Q q 0 0 0 rg BT 469.73 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 484.63 166.10 Td (ef) Tj ET Q q 0 0 0 rg BT 492.22 166.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 509.89 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 520.90 166.10 Td (mitigating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (class ) Tj ET Q q 0 0 0 rg BT 72.73 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 90.47 154.10 Td (collective ) Tj ET Q q 0 0 0 rg BT 132.63 154.10 Td (action ) Tj ET Q q 0 0 0 rg BT 160.36 154.10 Td (exposure. ) Tj ET Q q 0 0 0 rg BT 202.25 154.10 Td (In ) Tj ET Q q 0 0 0 rg BT 213.88 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 229.39 154.10 Td (past, ) Tj ET Q q 0 0 0 rg BT 251.29 154.10 Td (various ) Tj ET Q q 0 0 0 rg BT 284.02 154.10 Td (courts ) Tj ET Q q 0 0 0 rg BT 311.76 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 329.49 154.10 Td (administrative ) Tj ET Q q 0 0 0 rg BT 389.99 154.10 Td (authorities ) Tj ET Q q 0 0 0 rg BT 435.50 154.10 Td (have ) Tj ET Q q 0 0 0 rg BT 457.67 154.10 Td (concluded ) Tj ET Q q 0 0 0 rg BT 502.06 154.10 Td (that ) Tj ET Q q 0 0 0 rg BT 520.35 154.10 Td (arbitration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 97.24 142.10 Td (with ) Tj ET Q q 0 0 0 rg BT 116.73 142.10 Td (class ) Tj ET Q q 0 0 0 rg BT 137.88 142.10 Td (action ) Tj ET Q q 0 0 0 rg BT 164.03 142.10 Td (waivers ) Tj ET Q q 0 0 0 rg BT 196.84 142.10 Td (are ) Tj ET Q q 0 0 0 rg BT 210.76 142.10 Td (unenforceable, ) Tj ET Q q 0 0 0 rg BT 271.60 142.10 Td (particularly ) Tj ET Q q 0 0 0 rg BT 319.40 142.10 Td (where ) Tj ET Q q 0 0 0 rg BT 345.54 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 351.69 142.10 Td (small ) Tj ET Q q 0 0 0 rg BT 375.07 142.10 Td (dollar ) Tj ET Q q 0 0 0 rg BT 400.10 142.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 431.81 142.10 Td (is ) Tj ET Q q 0 0 0 rg BT 440.19 142.10 Td (in ) Tj ET Q q 0 0 0 rg BT 449.68 142.10 Td (controversy ) Tj ET Q q 0 0 0 rg BT 498.60 142.10 Td (on ) Tj ET Q q 0 0 0 rg BT 510.31 142.10 Td (an ) Tj ET Q q 0 0 0 rg BT 521.46 142.10 Td (individual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 74.77 130.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 94.89 130.10 Td (judicial ) Tj ET Q q 0 0 0 rg BT 127.79 130.10 Td (or ) Tj ET Q q 0 0 0 rg BT 139.03 130.10 Td (administrative ) Tj ET Q q 0 0 0 rg BT 199.14 130.10 Td (decisions, ) Tj ET Q q 0 0 0 rg BT 241.76 130.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 272.43 130.10 Td (legislation ) Tj ET Q q 0 0 0 rg BT 316.99 130.10 Td (or ) Tj ET Q q 0 0 0 rg BT 328.23 130.10 Td (final ) Tj ET Q q 0 0 0 rg BT 349.46 130.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 376.83 130.10 Td (or ) Tj ET Q q 0 0 0 rg BT 388.07 130.10 Td (other ) Tj ET Q q 0 0 0 rg BT 411.52 130.10 Td (administrative ) Tj ET Q q 0 0 0 rg BT 471.63 130.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 490.09 130.10 Td (that ) Tj ET Q q 0 0 0 rg BT 507.99 130.10 Td (would ) Tj ET Q q 0 0 0 rg BT 535.90 130.10 Td (impair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 66.66 118.10 Td (Company) Tj ET Q q 0 0 0 rg BT 108.32 118.10 Td (s ) Tj ET Q q 0 0 0 rg BT 116.65 118.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 146.64 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 158.86 118.10 Td (enter ) Tj ET Q q 0 0 0 rg BT 183.29 118.10 Td (into ) Tj ET Q q 0 0 0 rg BT 203.28 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 222.16 118.10 Td (enforce ) Tj ET Q q 0 0 0 rg BT 256.58 118.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 299.89 118.10 Td (dispute ) Tj ET Q q 0 0 0 rg BT 333.22 118.10 Td (arbitration ) Tj ET Q q 0 0 0 rg BT 379.31 118.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 429.28 118.10 Td (with ) Tj ET Q q 0 0 0 rg BT 451.50 118.10 Td (class ) Tj ET Q q 0 0 0 rg BT 475.38 118.10 Td (action ) Tj ET Q q 0 0 0 rg BT 504.25 118.10 Td (waivers ) Tj ET Q q 0 0 0 rg BT 539.79 118.10 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 101.81 106.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 136.38 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 150.41 106.10 Td (Company) Tj ET Q q 0 0 0 rg BT 192.08 106.10 Td (s ) Tj ET Q q 0 0 0 rg BT 197.79 106.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 235.71 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 245.30 106.10 Td (class ) Tj ET Q q 0 0 0 rg BT 266.56 106.10 Td (action ) Tj ET Q q 0 0 0 rg BT 292.81 106.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 330.74 106.10 Td (as ) Tj ET Q q 0 0 0 rg BT 340.88 106.10 Td (well ) Tj ET Q q 0 0 0 rg BT 359.92 106.10 Td (as ) Tj ET Q q 0 0 0 rg BT 370.07 106.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 407.99 106.10 Td (in ) Tj ET Q q 0 0 0 rg BT 417.59 106.10 Td (plaintif) Tj ET Q q 0 0 0 rg BT 446.29 106.10 Td (f-friendly ) Tj ET Q q 0 0 0 rg BT 486.42 106.10 Td (jurisdictions. ) Tj ET Q q 0 0 0 rg BT 540.18 106.10 Td ( ) Tj ET Q q 0 0 0 rg BT 542.00 106.10 Td (Such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 88.61 94.10 Td (could ) Tj ET Q q 0 0 0 rg BT 113.33 94.10 Td (have ) Tj ET Q q 0 0 0 rg BT 134.70 94.10 Td (a ) Tj ET Q q 0 0 0 rg BT 141.64 94.10 Td (material ) Tj ET Q q 0 0 0 rg BT 176.90 94.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 209.94 94.10 Td (ef) Tj ET Q q 0 0 0 rg BT 217.52 94.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 235.01 94.10 Td (on ) Tj ET Q q 0 0 0 rg BT 247.51 94.10 Td (us.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (Pending ) Tj ET Q q 0 0 0 rg BT 86.74 76.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 126.27 76.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 160.79 76.10 Td (to ) Tj ET Q q 0 0 0 rg BT 170.86 76.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.93 76.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 204.33 76.10 Td (of ) Tj ET Q q 0 0 0 rg BT 214.96 76.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 240.58 76.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 284.00 76.10 Td (and ) Tj ET Q q 0 0 0 rg BT 301.85 76.10 Td (the ) Tj ET Q q 0 0 0 rg BT 316.92 76.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 335.33 76.10 Td (of ) Tj ET Q q 0 0 0 rg BT 345.95 76.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 373.24 76.10 Td (service ) Tj ET Q q 0 0 0 rg BT 403.85 76.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 453.36 76.10 Td (in ) Tj ET Q q 0 0 0 rg BT 464.00 76.10 Td (the ) Tj ET Q q 0 0 0 rg BT 479.07 76.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 503.03 76.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 539.22 76.10 Td (could ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (have ) Tj ET Q q 0 0 0 rg BT 72.69 64.10 Td (a ) Tj ET Q q 0 0 0 rg BT 80.94 64.10 Td (material ) Tj ET Q q 0 0 0 rg BT 118.64 64.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 152.99 64.10 Td (ef) Tj ET Q q 0 0 0 rg BT 160.58 64.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 178.81 64.10 Td (on ) Tj ET Q q 0 0 0 rg BT 192.63 64.10 Td (us.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.58 64.10 Td (State ) Tj ET Q q 0 0 0 rg BT 230.33 64.10 Td (attorneys ) Tj ET Q q 0 0 0 rg BT 270.23 64.10 Td (generals ) Tj ET Q q 0 0 0 rg BT 306.80 64.10 Td (and ) Tj ET Q q 0 0 0 rg BT 324.49 64.10 Td (private ) Tj ET Q q 0 0 0 rg BT 355.51 64.10 Td (plaintif) Tj ET Q q 0 0 0 rg BT 384.21 64.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 394.68 64.10 Td (have ) Tj ET Q q 0 0 0 rg BT 416.81 64.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 438.39 64.10 Td (lawsuits ) Tj ET Q q 0 0 0 rg BT 474.42 64.10 Td (against ) Tj ET Q q 0 0 0 rg BT 506.00 64.10 Td (other ) Tj ET Q q 0 0 0 rg BT 529.79 64.10 Td (retailers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 52.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 82.64 52.10 Td (to ) Tj ET Q q 0 0 0 rg BT 92.51 52.10 Td (improper ) Tj ET Q q 0 0 0 rg BT 131.27 52.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 168.90 52.10 Td (in ) Tj ET Q q 0 0 0 rg BT 178.77 52.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 224.74 52.10 Td (with ) Tj ET Q q 0 0 0 rg BT 244.62 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.93 52.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 276.57 52.10 Td (of ) Tj ET Q q 0 0 0 rg BT 287.00 52.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 311.86 52.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 352.28 52.10 Td (and ) Tj ET Q q 0 0 0 rg BT 368.81 52.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 394.22 52.10 Td (service ) Tj ET Q q 0 0 0 rg BT 424.64 52.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 472.27 52.10 Td (in ) Tj ET Q q 0 0 0 rg BT 482.14 52.10 Td (several ) Tj ET Q q 0 0 0 rg BT 512.55 52.10 Td (jurisdictions ) Tj ET Q endstream endobj 51 0 obj <>] /Rotate 0 /Contents 52 0 R>> endobj 52 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (24) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (around ) Tj ET Q q 0 0 0 rg BT 80.29 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 95.02 742.10 Td (country) Tj ET Q q 0 0 0 rg BT 124.92 742.10 Td (. ) Tj ET Q q 0 0 0 rg BT 129.76 742.10 Td (W) Tj ET Q q 0 0 0 rg BT 138.40 742.10 Td (e ) Tj ET Q q 0 0 0 rg BT 145.35 742.10 Td (of) Tj ET Q q 0 0 0 rg BT 153.50 742.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 167.12 742.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 192.41 742.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 233.24 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 243.54 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 259.39 742.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 285.24 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 297.76 742.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 319.72 742.10 Td (financed ) Tj ET Q q 0 0 0 rg BT 356.66 742.10 Td (under ) Tj ET Q q 0 0 0 rg BT 381.95 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 397.80 742.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 423.08 742.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 463.37 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 480.33 742.10 Td (require ) Tj ET Q q 0 0 0 rg BT 511.16 742.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 554.23 742.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 87.77 730.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 112.76 730.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 153.30 730.10 Td (from ) Tj ET Q q 0 0 0 rg BT 174.97 730.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 188.59 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 199.14 730.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 231.92 730.10 Td (evidence ) Tj ET Q q 0 0 0 rg BT 269.68 730.10 Td (from ) Tj ET Q q 0 0 0 rg BT 291.35 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 298.01 730.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 343.00 730.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 383.55 730.10 Td (provider) Tj ET Q q 0 0 0 rg BT 417.02 730.10 Td (, ) Tj ET Q q 0 0 0 rg BT 421.75 730.10 Td (at ) Tj ET Q q 0 0 0 rg BT 431.20 730.10 Td (their ) Tj ET Q q 0 0 0 rg BT 451.75 730.10 Td (election, ) Tj ET Q q 0 0 0 rg BT 488.13 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 498.14 730.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 544.24 730.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 71.13 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 81.15 718.10 Td (merchandise ) Tj ET Q q 0 0 0 rg BT 133.37 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 145.06 718.10 Td (credit. ) Tj ET Q q 0 0 0 rg BT 171.90 718.10 Td (Therefore, ) Tj ET Q q 0 0 0 rg BT 215.50 718.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 244.97 718.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 282.77 718.10 Td (could ) Tj ET Q q 0 0 0 rg BT 306.67 718.10 Td (be ) Tj ET Q q 0 0 0 rg BT 317.80 718.10 Td (brought ) Tj ET Q q 0 0 0 rg BT 350.60 718.10 Td (against ) Tj ET Q q 0 0 0 rg BT 380.62 718.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 393.58 718.10 Td (While ) Tj ET Q q 0 0 0 rg BT 419.70 718.10 Td (we ) Tj ET Q q 0 0 0 rg BT 433.05 718.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 463.62 718.10 Td (we ) Tj ET Q q 0 0 0 rg BT 476.97 718.10 Td (are ) Tj ET Q q 0 0 0 rg BT 490.87 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 500.33 718.10 Td (full ) Tj ET Q q 0 0 0 rg BT 515.91 718.10 Td (compliance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (with ) Tj ET Q q 0 0 0 rg BT 71.12 706.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 115.56 706.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 137.24 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 155.02 706.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 205.30 706.10 Td (if ) Tj ET Q q 0 0 0 rg BT 214.75 706.10 Td (we ) Tj ET Q q 0 0 0 rg BT 229.76 706.10 Td (are ) Tj ET Q q 0 0 0 rg BT 245.31 706.10 Td (found ) Tj ET Q q 0 0 0 rg BT 271.99 706.10 Td (liable ) Tj ET Q q 0 0 0 rg BT 297.55 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 308.67 706.10 Td (any ) Tj ET Q q 0 0 0 rg BT 326.46 706.10 Td (future ) Tj ET Q q 0 0 0 rg BT 353.68 706.10 Td (lawsuit ) Tj ET Q q 0 0 0 rg BT 385.91 706.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 427.58 706.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 453.69 706.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 495.35 706.10 Td (or ) Tj ET Q q 0 0 0 rg BT 507.02 706.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 533.69 706.10 Td (service ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 101.00 694.10 Td (we ) Tj ET Q q 0 0 0 rg BT 115.62 694.10 Td (could ) Tj ET Q q 0 0 0 rg BT 140.81 694.10 Td (be ) Tj ET Q q 0 0 0 rg BT 153.21 694.10 Td (required ) Tj ET Q q 0 0 0 rg BT 189.49 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 200.23 694.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 217.64 694.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 263.38 694.10 Td (damages ) Tj ET Q q 0 0 0 rg BT 301.33 694.10 Td (or ) Tj ET Q q 0 0 0 rg BT 312.62 694.10 Td (incur ) Tj ET Q q 0 0 0 rg BT 336.13 694.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 381.87 694.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 404.84 694.10 Td (as ) Tj ET Q q 0 0 0 rg BT 416.13 694.10 Td (part ) Tj ET Q q 0 0 0 rg BT 434.65 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 445.94 694.10 Td (an ) Tj ET Q q 0 0 0 rg BT 458.35 694.10 Td (out-of-court ) Tj ET Q q 0 0 0 rg BT 509.63 694.10 Td (settlement ) Tj ET Q q 0 0 0 rg BT 553.69 694.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (require ) Tj ET Q q 0 0 0 rg BT 80.51 682.10 Td (us ) Tj ET Q q 0 0 0 rg BT 91.60 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 101.58 682.10 Td (modify ) Tj ET Q q 0 0 0 rg BT 132.67 682.10 Td (or ) Tj ET Q q 0 0 0 rg BT 143.20 682.10 Td (suspend ) Tj ET Q q 0 0 0 rg BT 177.62 682.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 207.02 682.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 253.37 682.10 Td (any ) Tj ET Q q 0 0 0 rg BT 270.01 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 280.54 682.10 Td (which ) Tj ET Q q 0 0 0 rg BT 307.17 682.10 Td (could ) Tj ET Q q 0 0 0 rg BT 331.59 682.10 Td (have ) Tj ET Q q 0 0 0 rg BT 352.67 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 359.30 682.10 Td (material ) Tj ET Q q 0 0 0 rg BT 394.26 682.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 427.00 682.10 Td (ef) Tj ET Q q 0 0 0 rg BT 434.58 682.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 451.77 682.10 Td (on ) Tj ET Q q 0 0 0 rg BT 463.97 682.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 477.07 682.10 Td (An ) Tj ET Q q 0 0 0 rg BT 491.49 682.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 524.23 682.10 Td (judgment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.25 670.10 Td (any ) Tj ET Q q 0 0 0 rg BT 76.61 670.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 112.41 670.10 Td (publicity ) Tj ET Q q 0 0 0 rg BT 149.88 670.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 192.90 670.10 Td (with ) Tj ET Q q 0 0 0 rg BT 212.60 670.10 Td (our ) Tj ET Q q 0 0 0 rg BT 227.85 670.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 253.09 670.10 Td (service ) Tj ET Q q 0 0 0 rg BT 283.33 670.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 330.79 670.10 Td (or ) Tj ET Q q 0 0 0 rg BT 341.04 670.10 Td (any ) Tj ET Q q 0 0 0 rg BT 357.40 670.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 394.31 670.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 419.00 670.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 459.24 670.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 497.27 670.10 Td (could ) Tj ET Q q 0 0 0 rg BT 521.41 670.10 Td (also ) Tj ET Q q 0 0 0 rg BT 539.44 670.10 Td (af) Tj ET Q q 0 0 0 rg BT 547.03 670.10 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.83 658.10 Td (reputation, ) Tj ET Q q 0 0 0 rg BT 111.37 658.10 Td (which ) Tj ET Q q 0 0 0 rg BT 138.31 658.10 Td (could ) Tj ET Q q 0 0 0 rg BT 163.03 658.10 Td (have ) Tj ET Q q 0 0 0 rg BT 184.40 658.10 Td (a ) Tj ET Q q 0 0 0 rg BT 191.34 658.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 227.71 658.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 257.43 658.10 Td (on ) Tj ET Q q 0 0 0 rg BT 269.93 658.10 Td (our ) Tj ET Q q 0 0 0 rg BT 285.76 658.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 306.03 658.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 326.86 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 343.79 658.10 Td (results ) Tj ET Q q 0 0 0 rg BT 372.40 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 383.23 658.10 Td (operations.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (Pending ) Tj ET Q q 0 0 0 rg BT 87.05 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 105.21 640.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 143.92 640.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 183.75 640.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 226.90 640.10 Td (alleged ) Tj ET Q q 0 0 0 rg BT 258.94 640.10 Td (patent ) Tj ET Q q 0 0 0 rg BT 287.09 640.10 Td (infringements ) Tj ET Q q 0 0 0 rg BT 347.48 640.10 Td (could ) Tj ET Q q 0 0 0 rg BT 372.85 640.10 Td (result ) Tj ET Q q 0 0 0 rg BT 398.79 640.10 Td (in ) Tj ET Q q 0 0 0 rg BT 409.73 640.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 456.22 640.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 478.82 640.10 Td (to ) Tj ET Q q 0 0 0 rg BT 489.19 640.10 Td (us ) Tj ET Q q 0 0 0 rg BT 501.25 640.10 Td (to ) Tj ET Q q 0 0 0 rg BT 511.62 640.10 Td (defend ) Tj ET Q q 0 0 0 rg BT 541.99 640.10 Td (what ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (we ) Tj ET Q q 0 0 0 rg BT 64.09 628.10 Td (consider ) Tj ET Q q 0 0 0 rg BT 102.08 628.10 Td (to ) Tj ET Q q 0 0 0 rg BT 112.84 628.10 Td (be ) Tj ET Q q 0 0 0 rg BT 125.26 628.10 Td (spurious ) Tj ET Q q 0 0 0 rg BT 163.83 628.10 Td (claims.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.99 628.10 Td (In ) Tj ET Q q 0 0 0 rg BT 206.81 628.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 234.21 628.10 Td (years ) Tj ET Q q 0 0 0 rg BT 258.30 628.10 Td (many ) Tj ET Q q 0 0 0 rg BT 283.50 628.10 Td (participants ) Tj ET Q q 0 0 0 rg BT 333.13 628.10 Td (in ) Tj ET Q q 0 0 0 rg BT 343.90 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 359.10 628.10 Td (manufacturing, ) Tj ET Q q 0 0 0 rg BT 422.90 628.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 446.42 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 463.85 628.10 Td (software ) Tj ET Q q 0 0 0 rg BT 501.26 628.10 Td (industries ) Tj ET Q q 0 0 0 rg BT 543.13 628.10 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (been ) Tj ET Q q 0 0 0 rg BT 71.01 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 85.37 616.10 Td (tar) Tj ET Q q 0 0 0 rg BT 95.73 616.10 Td (get ) Tj ET Q q 0 0 0 rg BT 110.09 616.10 Td (of ) Tj ET Q q 0 0 0 rg BT 120.55 616.10 Td (patent ) Tj ET Q q 0 0 0 rg BT 147.12 616.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 185.37 616.10 Td (claimants ) Tj ET Q q 0 0 0 rg BT 225.82 616.10 Td (making ) Tj ET Q q 0 0 0 rg BT 257.95 616.10 Td (demands ) Tj ET Q q 0 0 0 rg BT 295.64 616.10 Td (or ) Tj ET Q q 0 0 0 rg BT 306.10 616.10 Td (filing ) Tj ET Q q 0 0 0 rg BT 329.90 616.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 358.14 616.10 Td (based ) Tj ET Q q 0 0 0 rg BT 383.05 616.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 405.19 616.10 Td (alleged ) Tj ET Q q 0 0 0 rg BT 436.19 616.10 Td (patent ) Tj ET Q q 0 0 0 rg BT 462.76 616.10 Td (infringement ) Tj ET Q q 0 0 0 rg BT 516.55 616.10 Td (through ) Tj ET Q q 0 0 0 rg BT 549.79 616.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (manufacturing ) Tj ET Q q 0 0 0 rg BT 110.30 604.10 Td (and ) Tj ET Q q 0 0 0 rg BT 126.73 604.10 Td (selling, ) Tj ET Q q 0 0 0 rg BT 157.89 604.10 Td (either ) Tj ET Q q 0 0 0 rg BT 182.64 604.10 Td (in ) Tj ET Q q 0 0 0 rg BT 192.41 604.10 Td (merchandise ) Tj ET Q q 0 0 0 rg BT 244.94 604.10 Td (or ) Tj ET Q q 0 0 0 rg BT 255.26 604.10 Td (through ) Tj ET Q q 0 0 0 rg BT 288.36 604.10 Td (software ) Tj ET Q q 0 0 0 rg BT 324.78 604.10 Td (and ) Tj ET Q q 0 0 0 rg BT 341.21 604.10 Td (internet ) Tj ET Q q 0 0 0 rg BT 373.74 604.10 Td (websites, ) Tj ET Q q 0 0 0 rg BT 412.67 604.10 Td (of ) Tj ET Q q 0 0 0 rg BT 422.99 604.10 Td (product ) Tj ET Q q 0 0 0 rg BT 455.53 604.10 Td (or ) Tj ET Q q 0 0 0 rg BT 465.85 604.10 Td (merely ) Tj ET Q q 0 0 0 rg BT 495.60 604.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 536.48 604.10 Td (access ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (through ) Tj ET Q q 0 0 0 rg BT 83.46 592.10 Td (website ) Tj ET Q q 0 0 0 rg BT 116.35 592.10 Td (portals. ) Tj ET Q q 0 0 0 rg BT 148.25 592.10 Td (W) Tj ET Q q 0 0 0 rg BT 156.88 592.10 Td (e, ) Tj ET Q q 0 0 0 rg BT 166.17 592.10 Td (in ) Tj ET Q q 0 0 0 rg BT 176.29 592.10 Td (conjunction ) Tj ET Q q 0 0 0 rg BT 225.85 592.10 Td (with ) Tj ET Q q 0 0 0 rg BT 245.98 592.10 Td (multiple ) Tj ET Q q 0 0 0 rg BT 281.66 592.10 Td (other ) Tj ET Q q 0 0 0 rg BT 304.55 592.10 Td (parties, ) Tj ET Q q 0 0 0 rg BT 336.06 592.10 Td (have ) Tj ET Q q 0 0 0 rg BT 357.28 592.10 Td (been ) Tj ET Q q 0 0 0 rg BT 378.50 592.10 Td (\(and ) Tj ET Q q 0 0 0 rg BT 398.62 592.10 Td (remain\) ) Tj ET Q q 0 0 0 rg BT 432.06 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.63 592.10 Td (tar) Tj ET Q q 0 0 0 rg BT 456.99 592.10 Td (gets ) Tj ET Q q 0 0 0 rg BT 475.45 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 486.13 592.10 Td (such ) Tj ET Q q 0 0 0 rg BT 506.80 592.10 Td (claims. ) Tj ET Q q 0 0 0 rg BT 537.59 592.10 Td (While ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (we ) Tj ET Q q 0 0 0 rg BT 64.17 580.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 95.55 580.10 Td (that ) Tj ET Q q 0 0 0 rg BT 113.06 580.10 Td (we ) Tj ET Q q 0 0 0 rg BT 127.23 580.10 Td (have ) Tj ET Q q 0 0 0 rg BT 148.62 580.10 Td (not ) Tj ET Q q 0 0 0 rg BT 163.91 580.10 Td (violated ) Tj ET Q q 0 0 0 rg BT 198.63 580.10 Td (or ) Tj ET Q q 0 0 0 rg BT 209.47 580.10 Td (infringed ) Tj ET Q q 0 0 0 rg BT 248.64 580.10 Td (any ) Tj ET Q q 0 0 0 rg BT 265.59 580.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 310.87 580.10 Td (alleged ) Tj ET Q q 0 0 0 rg BT 342.25 580.10 Td (patent ) Tj ET Q q 0 0 0 rg BT 369.19 580.10 Td (rights, ) Tj ET Q q 0 0 0 rg BT 396.98 580.10 Td (and ) Tj ET Q q 0 0 0 rg BT 413.93 580.10 Td (intend ) Tj ET Q q 0 0 0 rg BT 441.44 580.10 Td (to ) Tj ET Q q 0 0 0 rg BT 451.73 580.10 Td (defend ) Tj ET Q q 0 0 0 rg BT 481.45 580.10 Td (vigorously ) Tj ET Q q 0 0 0 rg BT 526.74 580.10 Td (any ) Tj ET Q q 0 0 0 rg BT 543.69 580.10 Td (such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (claims, ) Tj ET Q q 0 0 0 rg BT 81.10 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 95.82 568.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 114.43 568.10 Td (to ) Tj ET Q q 0 0 0 rg BT 124.71 568.10 Td (defend, ) Tj ET Q q 0 0 0 rg BT 156.91 568.10 Td (settle ) Tj ET Q q 0 0 0 rg BT 180.52 568.10 Td (or ) Tj ET Q q 0 0 0 rg BT 191.35 568.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 208.29 568.10 Td (any ) Tj ET Q q 0 0 0 rg BT 225.22 568.10 Td (such ) Tj ET Q q 0 0 0 rg BT 246.05 568.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 274.66 568.10 Td (could ) Tj ET Q q 0 0 0 rg BT 299.38 568.10 Td (be ) Tj ET Q q 0 0 0 rg BT 311.31 568.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 356.59 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 373.53 568.10 Td (could ) Tj ET Q q 0 0 0 rg BT 398.24 568.10 Td (have ) Tj ET Q q 0 0 0 rg BT 419.62 568.10 Td (a ) Tj ET Q q 0 0 0 rg BT 426.56 568.10 Td (material ) Tj ET Q q 0 0 0 rg BT 461.82 568.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 494.85 568.10 Td (ef) Tj ET Q q 0 0 0 rg BT 502.44 568.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 519.93 568.10 Td (on ) Tj ET Q q 0 0 0 rg BT 532.43 568.10 Td (us.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 69.57 550.10 Td (governance ) Tj ET Q q 0 0 0 rg BT 120.24 550.10 Td (documents ) Tj ET Q q 0 0 0 rg BT 167.58 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 186.04 550.10 Td (state ) Tj ET Q q 0 0 0 rg BT 207.82 550.10 Td (law ) Tj ET Q q 0 0 0 rg BT 225.17 550.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 258.61 550.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 290.40 550.10 Td (anti-takeover ) Tj ET Q q 0 0 0 rg BT 347.73 550.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 389.52 550.10 Td (which ) Tj ET Q q 0 0 0 rg BT 417.42 550.10 Td (could ) Tj ET Q q 0 0 0 rg BT 443.10 550.10 Td (prevent ) Tj ET Q q 0 0 0 rg BT 476.54 550.10 Td (or ) Tj ET Q q 0 0 0 rg BT 488.33 550.10 Td (delay ) Tj ET Q q 0 0 0 rg BT 512.88 550.10 Td (a ) Tj ET Q q 0 0 0 rg BT 520.78 550.10 Td (change ) Tj ET Q q 0 0 0 rg BT 553.68 550.10 Td (in ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (control ) Tj ET Q q 0 0 0 rg BT 81.80 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 92.48 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 107.60 538.10 Td (Company) Tj ET Q q 0 0 0 rg BT 146.68 538.10 Td (, ) Tj ET Q q 0 0 0 rg BT 151.53 538.10 Td (even ) Tj ET Q q 0 0 0 rg BT 172.75 538.10 Td (if ) Tj ET Q q 0 0 0 rg BT 181.21 538.10 Td (such ) Tj ET Q q 0 0 0 rg BT 203.01 538.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 239.25 538.10 Td (would ) Tj ET Q q 0 0 0 rg BT 266.61 538.10 Td (be ) Tj ET Q q 0 0 0 rg BT 278.40 538.10 Td (beneficial ) Tj ET Q q 0 0 0 rg BT 321.29 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 331.42 538.10 Td (our ) Tj ET Q q 0 0 0 rg BT 348.22 538.10 Td (stockholders. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.74 538.10 Td (Provisions ) Tj ET Q q 0 0 0 rg BT 449.32 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 460.00 538.10 Td (our ) Tj ET Q q 0 0 0 rg BT 475.67 538.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 514.12 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 530.90 538.10 Td (restated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (certificate ) Tj ET Q q 0 0 0 rg BT 92.95 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 104.27 526.10 Td (incorporation ) Tj ET Q q 0 0 0 rg BT 161.13 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 178.56 526.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 217.64 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 235.07 526.10 Td (restated ) Tj ET Q q 0 0 0 rg BT 269.15 526.10 Td (bylaws, ) Tj ET Q q 0 0 0 rg BT 302.97 526.10 Td (as ) Tj ET Q q 0 0 0 rg BT 314.29 526.10 Td (well ) Tj ET Q q 0 0 0 rg BT 334.49 526.10 Td (as ) Tj ET Q q 0 0 0 rg BT 345.81 526.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 390.47 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 401.79 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 416.99 526.10 Td (Delaware ) Tj ET Q q 0 0 0 rg BT 458.29 526.10 Td (General ) Tj ET Q q 0 0 0 rg BT 492.92 526.10 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 544.23 526.10 Td (Law ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (\(DGCL\) ) Tj ET Q q 0 0 0 rg BT 94.58 514.10 Td (could ) Tj ET Q q 0 0 0 rg BT 118.62 514.10 Td (discourage, ) Tj ET Q q 0 0 0 rg BT 166.26 514.10 Td (delay ) Tj ET Q q 0 0 0 rg BT 189.74 514.10 Td (or ) Tj ET Q q 0 0 0 rg BT 199.90 514.10 Td (prevent ) Tj ET Q q 0 0 0 rg BT 231.70 514.10 Td (a ) Tj ET Q q 0 0 0 rg BT 237.97 514.10 Td (mer) Tj ET Q q 0 0 0 rg BT 253.33 514.10 Td (ger) Tj ET Q q 0 0 0 rg BT 265.70 514.10 Td (, ) Tj ET Q q 0 0 0 rg BT 270.02 514.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 315.73 514.10 Td (or ) Tj ET Q q 0 0 0 rg BT 325.88 514.10 Td (other ) Tj ET Q q 0 0 0 rg BT 348.25 514.10 Td (change ) Tj ET Q q 0 0 0 rg BT 378.39 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 388.00 514.10 Td (control ) Tj ET Q q 0 0 0 rg BT 418.14 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 428.30 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 442.34 514.10 Td (Company) Tj ET Q q 0 0 0 rg BT 480.58 514.10 Td (, ) Tj ET Q q 0 0 0 rg BT 484.90 514.10 Td (even ) Tj ET Q q 0 0 0 rg BT 505.60 514.10 Td (if ) Tj ET Q q 0 0 0 rg BT 513.53 514.10 Td (such ) Tj ET Q q 0 0 0 rg BT 533.69 514.10 Td (change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 502.10 Td (control ) Tj ET Q q 0 0 0 rg BT 91.10 502.10 Td (would ) Tj ET Q q 0 0 0 rg BT 118.60 502.10 Td (be ) Tj ET Q q 0 0 0 rg BT 130.54 502.10 Td (beneficial ) Tj ET Q q 0 0 0 rg BT 172.46 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 182.74 502.10 Td (our ) Tj ET Q q 0 0 0 rg BT 198.57 502.10 Td (stockholders. ) Tj ET Q q 0 0 0 rg BT 253.94 502.10 Td (These ) Tj ET Q q 0 0 0 rg BT 280.31 502.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 324.48 502.10 Td (include:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 484.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 484.10 Td (A) Tj ET Q q 0 0 0 rg BT 92.67 484.10 Td ( ) Tj ET Q q 0 0 0 rg BT 95.37 484.10 Td (prohibition ) Tj ET Q q 0 0 0 rg BT 142.52 484.10 Td (on ) Tj ET Q q 0 0 0 rg BT 155.22 484.10 Td (stockholder ) Tj ET Q q 0 0 0 rg BT 204.58 484.10 Td (action ) Tj ET Q q 0 0 0 rg BT 231.71 484.10 Td (without ) Tj ET Q q 0 0 0 rg BT 264.97 484.10 Td (a ) Tj ET Q q 0 0 0 rg BT 272.11 484.10 Td (meeting, ) Tj ET Q q 0 0 0 rg BT 309.52 484.10 Td (unless ) Tj ET Q q 0 0 0 rg BT 337.22 484.10 Td (such ) Tj ET Q q 0 0 0 rg BT 358.26 484.10 Td (action ) Tj ET Q q 0 0 0 rg BT 385.39 484.10 Td (has ) Tj ET Q q 0 0 0 rg BT 401.42 484.10 Td (been ) Tj ET Q q 0 0 0 rg BT 423.00 484.10 Td (approved ) Tj ET Q q 0 0 0 rg BT 462.91 484.10 Td (in ) Tj ET Q q 0 0 0 rg BT 473.39 484.10 Td (advance ) Tj ET Q q 0 0 0 rg BT 508.85 484.10 Td (by ) Tj ET Q q 0 0 0 rg BT 521.55 484.10 Td (our ) Tj ET Q q 0 0 0 rg BT 537.58 484.10 Td (Board ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 96.83 472.10 Td (Directors;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 454.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 454.10 Td (A) Tj ET Q q 0 0 0 rg BT 92.67 454.10 Td ( prohibition on stockholders) Tj ET Q q 0 0 0 rg BT 207.75 454.10 Td ( ability to call special meetings of stockholders;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 436.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 436.10 Td (Advance ) Tj ET Q q 0 0 0 rg BT 123.85 436.10 Td (notice ) Tj ET Q q 0 0 0 rg BT 150.60 436.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 205.12 436.10 Td (for ) Tj ET Q q 0 0 0 rg BT 219.10 436.10 Td (nominations ) Tj ET Q q 0 0 0 rg BT 270.86 436.10 Td (for ) Tj ET Q q 0 0 0 rg BT 284.84 436.10 Td (election ) Tj ET Q q 0 0 0 rg BT 318.81 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 328.90 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.43 436.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 370.19 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 380.84 436.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 420.36 436.10 Td (or ) Tj ET Q q 0 0 0 rg BT 431.01 436.10 Td (for ) Tj ET Q q 0 0 0 rg BT 444.98 436.10 Td (proposing ) Tj ET Q q 0 0 0 rg BT 487.30 436.10 Td (matters ) Tj ET Q q 0 0 0 rg BT 519.05 436.10 Td (that ) Tj ET Q q 0 0 0 rg BT 536.36 436.10 Td (can ) Tj ET Q q 0 0 0 rg BT 552.56 436.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 424.10 Td (acted ) Tj ET Q q 0 0 0 rg BT 109.59 424.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 132.09 424.10 Td (by ) Tj ET Q q 0 0 0 rg BT 144.59 424.10 Td (stockholders ) Tj ET Q q 0 0 0 rg BT 197.64 424.10 Td (at ) Tj ET Q q 0 0 0 rg BT 207.36 424.10 Td (stockholder ) Tj ET Q q 0 0 0 rg BT 256.51 424.10 Td (meetings; ) Tj ET Q q 0 0 0 rg BT 297.89 424.10 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 406.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 406.10 Td (Authorization ) Tj ET Q q 0 0 0 rg BT 143.65 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 154.09 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 168.42 406.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 204.40 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 214.84 406.10 Td (blank ) Tj ET Q q 0 0 0 rg BT 243.61 406.10 Td (check ) Tj ET Q q 0 0 0 rg BT 273.47 406.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 312.22 406.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 335.43 406.10 Td (that ) Tj ET Q q 0 0 0 rg BT 352.54 406.10 Td (could ) Tj ET Q q 0 0 0 rg BT 376.86 406.10 Td (be ) Tj ET Q q 0 0 0 rg BT 388.41 406.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 415.52 406.10 Td (by ) Tj ET Q q 0 0 0 rg BT 427.63 406.10 Td (our ) Tj ET Q q 0 0 0 rg BT 443.07 406.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 469.62 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 480.06 406.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 519.37 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 529.26 406.10 Td (increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 100.72 394.10 Td (number ) Tj ET Q q 0 0 0 rg BT 133.76 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 144.59 394.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 193.76 394.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 221.25 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 238.19 394.10 Td (thwart ) Tj ET Q q 0 0 0 rg BT 266.23 394.10 Td (a ) Tj ET Q q 0 0 0 rg BT 273.17 394.10 Td (takeover ) Tj ET Q q 0 0 0 rg BT 310.10 394.10 Td (attempt.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (Further) Tj ET Q q 0 0 0 rg BT 79.04 376.10 Td (, ) Tj ET Q q 0 0 0 rg BT 85.04 376.10 Td (we ) Tj ET Q q 0 0 0 rg BT 100.21 376.10 Td (are ) Tj ET Q q 0 0 0 rg BT 115.92 376.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 147.75 376.10 Td (to ) Tj ET Q q 0 0 0 rg BT 159.03 376.10 Td (Section ) Tj ET Q q 0 0 0 rg BT 192.53 376.10 Td (203 ) Tj ET Q q 0 0 0 rg BT 211.04 376.10 Td (of ) Tj ET Q q 0 0 0 rg BT 222.87 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.59 376.10 Td (DGCL, ) Tj ET Q q 0 0 0 rg BT 271.82 376.10 Td (which ) Tj ET Q q 0 0 0 rg BT 299.76 376.10 Td (limits ) Tj ET Q q 0 0 0 rg BT 326.05 376.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 356.76 376.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 408.03 376.10 Td (and ) Tj ET Q q 0 0 0 rg BT 425.97 376.10 Td (business ) Tj ET Q q 0 0 0 rg BT 463.37 376.10 Td (combinations ) Tj ET Q q 0 0 0 rg BT 520.75 376.10 Td (between ) Tj ET Q q 0 0 0 rg BT 557.58 376.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (corporation ) Tj ET Q q 0 0 0 rg BT 98.44 364.10 Td (and ) Tj ET Q q 0 0 0 rg BT 115.23 364.10 Td (a ) Tj ET Q q 0 0 0 rg BT 122.02 364.10 Td (stockholder ) Tj ET Q q 0 0 0 rg BT 171.03 364.10 Td (owning ) Tj ET Q q 0 0 0 rg BT 203.38 364.10 Td (15% ) Tj ET Q q 0 0 0 rg BT 224.06 364.10 Td (or ) Tj ET Q q 0 0 0 rg BT 234.74 364.10 Td (more ) Tj ET Q q 0 0 0 rg BT 257.64 364.10 Td (of ) Tj ET Q q 0 0 0 rg BT 268.32 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 282.89 364.10 Td (corporation's ) Tj ET Q q 0 0 0 rg BT 337.03 364.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 386.04 364.10 Td (voting ) Tj ET Q q 0 0 0 rg BT 413.95 364.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 437.41 364.10 Td (for ) Tj ET Q q 0 0 0 rg BT 451.42 364.10 Td (a ) Tj ET Q q 0 0 0 rg BT 458.21 364.10 Td (period ) Tj ET Q q 0 0 0 rg BT 486.11 364.10 Td (of ) Tj ET Q q 0 0 0 rg BT 496.79 364.10 Td (three ) Tj ET Q q 0 0 0 rg BT 519.13 364.10 Td (years ) Tj ET Q q 0 0 0 rg BT 542.58 364.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (the ) Tj ET Q q 0 0 0 rg BT 66.08 352.10 Td (date ) Tj ET Q q 0 0 0 rg BT 86.59 352.10 Td (the ) Tj ET Q q 0 0 0 rg BT 102.67 352.10 Td (stockholder ) Tj ET Q q 0 0 0 rg BT 153.19 352.10 Td (becomes ) Tj ET Q q 0 0 0 rg BT 192.03 352.10 Td (a ) Tj ET Q q 0 0 0 rg BT 200.33 352.10 Td (15% ) Tj ET Q q 0 0 0 rg BT 222.52 352.10 Td (stockholder) Tj ET Q q 0 0 0 rg BT 268.63 352.10 Td (. ) Tj ET Q q 0 0 0 rg BT 274.71 352.10 Td (These ) Tj ET Q q 0 0 0 rg BT 302.45 352.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 347.98 352.10 Td (and ) Tj ET Q q 0 0 0 rg BT 366.28 352.10 Td (our ) Tj ET Q q 0 0 0 rg BT 383.47 352.10 Td (stockholders' ) Tj ET Q q 0 0 0 rg BT 439.68 352.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 466.32 352.10 Td (plan, ) Tj ET Q q 0 0 0 rg BT 489.89 352.10 Td (either ) Tj ET Q q 0 0 0 rg BT 516.52 352.10 Td (alone ) Tj ET Q q 0 0 0 rg BT 542.03 352.10 Td (or ) Tj ET Q q 0 0 0 rg BT 554.23 352.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (combination ) Tj ET Q q 0 0 0 rg BT 102.15 340.10 Td (with ) Tj ET Q q 0 0 0 rg BT 122.09 340.10 Td (each ) Tj ET Q q 0 0 0 rg BT 142.57 340.10 Td (other) Tj ET Q q 0 0 0 rg BT 162.72 340.10 Td (, ) Tj ET Q q 0 0 0 rg BT 167.38 340.10 Td (could ) Tj ET Q q 0 0 0 rg BT 191.76 340.10 Td (delay) Tj ET Q q 0 0 0 rg BT 212.76 340.10 Td (, ) Tj ET Q q 0 0 0 rg BT 217.43 340.10 Td (deter ) Tj ET Q q 0 0 0 rg BT 239.57 340.10 Td (or ) Tj ET Q q 0 0 0 rg BT 250.07 340.10 Td (prevent ) Tj ET Q q 0 0 0 rg BT 282.21 340.10 Td (a ) Tj ET Q q 0 0 0 rg BT 288.81 340.10 Td (change ) Tj ET Q q 0 0 0 rg BT 319.29 340.10 Td (of ) Tj ET Q q 0 0 0 rg BT 329.78 340.10 Td (control, ) Tj ET Q q 0 0 0 rg BT 362.77 340.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 397.14 340.10 Td (or ) Tj ET Q q 0 0 0 rg BT 407.63 340.10 Td (not ) Tj ET Q q 0 0 0 rg BT 422.57 340.10 Td (it ) Tj ET Q q 0 0 0 rg BT 430.29 340.10 Td (is ) Tj ET Q q 0 0 0 rg BT 439.12 340.10 Td (desired ) Tj ET Q q 0 0 0 rg BT 470.16 340.10 Td (by) Tj ET Q q 0 0 0 rg BT 479.51 340.10 Td (, ) Tj ET Q q 0 0 0 rg BT 484.17 340.10 Td (or ) Tj ET Q q 0 0 0 rg BT 494.67 340.10 Td (beneficial ) Tj ET Q q 0 0 0 rg BT 536.25 340.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 548.69 340.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (stockholders.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 69.17 310.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 111.10 310.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 143.04 310.10 Td (may ) Tj ET Q q 0 0 0 rg BT 162.75 310.10 Td (be ) Tj ET Q q 0 0 0 rg BT 174.68 310.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 229.40 310.10 Td (controlled ) Tj ET Q q 0 0 0 rg BT 273.56 310.10 Td (by ) Tj ET Q q 0 0 0 rg BT 285.49 310.10 Td (our ) Tj ET Q q 0 0 0 rg BT 302.44 310.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 342.15 310.10 Td (stockholders ) Tj ET Q q 0 0 0 rg BT 396.31 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 414.37 310.10 Td (af) Tj ET Q q 0 0 0 rg BT 422.52 310.10 Td (filiated ) Tj ET Q q 0 0 0 rg BT 453.89 310.10 Td (entities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.33 310.10 Td (A) Tj ET Q q 0 0 0 rg BT 495.00 310.10 Td ( ) Tj ET Q q 0 0 0 rg BT 497.49 310.10 Td (lar) Tj ET Q q 0 0 0 rg BT 507.85 310.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 519.78 310.10 Td (proportion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.85 298.10 Td (our ) Tj ET Q q 0 0 0 rg BT 76.70 298.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 125.88 298.10 Td (common ) Tj ET Q q 0 0 0 rg BT 163.40 298.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 187.03 298.10 Td (is ) Tj ET Q q 0 0 0 rg BT 196.22 298.10 Td (beneficially ) Tj ET Q q 0 0 0 rg BT 245.93 298.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 275.11 298.10 Td (by ) Tj ET Q q 0 0 0 rg BT 287.63 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 294.59 298.10 Td (small ) Tj ET Q q 0 0 0 rg BT 318.77 298.10 Td (group ) Tj ET Q q 0 0 0 rg BT 344.62 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 355.47 298.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 393.54 298.10 Td (stockholders ) Tj ET Q q 0 0 0 rg BT 446.60 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 463.56 298.10 Td (their ) Tj ET Q q 0 0 0 rg BT 484.40 298.10 Td (af) Tj ET Q q 0 0 0 rg BT 491.99 298.10 Td (filiates, ) Tj ET Q q 0 0 0 rg BT 524.22 298.10 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (Stephens ) Tj ET Q q 0 0 0 rg BT 88.06 286.10 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 107.77 286.10 Td (Stephens ) Tj ET Q q 0 0 0 rg BT 145.83 286.10 Td (Group, ) Tj ET Q q 0 0 0 rg BT 175.83 286.10 Td (P) Tj ET Q q 0 0 0 rg BT 180.47 286.10 Td (AR ) Tj ET Q q 0 0 0 rg BT 196.31 286.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 227.14 286.10 Td (Management, ) Tj ET Q q 0 0 0 rg BT 283.79 286.10 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 303.50 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 319.46 286.10 Td (Anchorage ) Tj ET Q q 0 0 0 rg BT 365.27 286.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 396.10 286.10 Td (Group, ) Tj ET Q q 0 0 0 rg BT 426.10 286.10 Td (LLC. ) Tj ET Q q 0 0 0 rg BT 449.44 286.10 Td (Lar) Tj ET Q q 0 0 0 rg BT 463.13 286.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 474.52 286.10 Td (holders, ) Tj ET Q q 0 0 0 rg BT 508.40 286.10 Td (such ) Tj ET Q q 0 0 0 rg BT 528.68 286.10 Td (as ) Tj ET Q q 0 0 0 rg BT 538.96 286.10 Td (these, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (may ) Tj ET Q q 0 0 0 rg BT 69.92 274.10 Td (be ) Tj ET Q q 0 0 0 rg BT 82.07 274.10 Td (able ) Tj ET Q q 0 0 0 rg BT 101.43 274.10 Td (to ) Tj ET Q q 0 0 0 rg BT 111.92 274.10 Td (af) Tj ET Q q 0 0 0 rg BT 119.51 274.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 137.20 274.10 Td (matters ) Tj ET Q q 0 0 0 rg BT 169.34 274.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 208.70 274.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 246.40 274.10 Td (by ) Tj ET Q q 0 0 0 rg BT 259.10 274.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 300.70 274.10 Td (stockholders, ) Tj ET Q q 0 0 0 rg BT 356.45 274.10 Td (including ) Tj ET Q q 0 0 0 rg BT 396.93 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 411.86 274.10 Td (election ) Tj ET Q q 0 0 0 rg BT 446.22 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 457.25 274.10 Td (directors ) Tj ET Q q 0 0 0 rg BT 494.95 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 512.09 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 527.02 274.10 Td (approval ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.25 262.10 Td (mer) Tj ET Q q 0 0 0 rg BT 76.62 262.10 Td (gers ) Tj ET Q q 0 0 0 rg BT 96.21 262.10 Td (or ) Tj ET Q q 0 0 0 rg BT 107.46 262.10 Td (other ) Tj ET Q q 0 0 0 rg BT 130.93 262.10 Td (business ) Tj ET Q q 0 0 0 rg BT 167.75 262.10 Td (combination ) Tj ET Q q 0 0 0 rg BT 220.66 262.10 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 273.85 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 276.57 262.10 Td (The ) Tj ET Q q 0 0 0 rg BT 295.04 262.10 Td (concentration ) Tj ET Q q 0 0 0 rg BT 352.38 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 363.64 262.10 Td (ownership ) Tj ET Q q 0 0 0 rg BT 408.22 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 419.48 262.10 Td (our ) Tj ET Q q 0 0 0 rg BT 435.73 262.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 463.65 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 474.90 262.10 Td (common ) Tj ET Q q 0 0 0 rg BT 512.82 262.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 536.85 262.10 Td (by ) Tj ET Q q 0 0 0 rg BT 549.78 262.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (relatively ) Tj ET Q q 0 0 0 rg BT 90.26 250.10 Td (small ) Tj ET Q q 0 0 0 rg BT 114.42 250.10 Td (number ) Tj ET Q q 0 0 0 rg BT 147.47 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 158.30 250.10 Td (investors ) Tj ET Q q 0 0 0 rg BT 196.91 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 213.85 250.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 240.22 250.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 264.95 250.10 Td (may:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 232.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 232.10 Td (Have ) Tj ET Q q 0 0 0 rg BT 109.75 232.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 154.61 232.10 Td (influence ) Tj ET Q q 0 0 0 rg BT 194.46 232.10 Td (in ) Tj ET Q q 0 0 0 rg BT 204.89 232.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 255.86 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 270.73 232.10 Td (outcome ) Tj ET Q q 0 0 0 rg BT 307.81 232.10 Td (of ) Tj ET Q q 0 0 0 rg BT 318.79 232.10 Td (any ) Tj ET Q q 0 0 0 rg BT 335.88 232.10 Td (matter ) Tj ET Q q 0 0 0 rg BT 364.08 232.10 Td (submitted ) Tj ET Q q 0 0 0 rg BT 406.17 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 416.60 232.10 Td (stockholders ) Tj ET Q q 0 0 0 rg BT 469.80 232.10 Td (for ) Tj ET Q q 0 0 0 rg BT 484.11 232.10 Td (approval, ) Tj ET Q q 0 0 0 rg BT 524.24 232.10 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.33 220.10 Td (election ) Tj ET Q q 0 0 0 rg BT 136.09 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 147.54 220.10 Td (directors, ) Tj ET Q q 0 0 0 rg BT 188.13 220.10 Td (mer) Tj ET Q q 0 0 0 rg BT 203.50 220.10 Td (gers, ) Tj ET Q q 0 0 0 rg BT 225.77 220.10 Td (consolidations, ) Tj ET Q q 0 0 0 rg BT 289.16 220.10 Td (and ) Tj ET Q q 0 0 0 rg BT 306.71 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 322.04 220.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 340.70 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 352.14 220.10 Td (all ) Tj ET Q q 0 0 0 rg BT 365.25 220.10 Td (or ) Tj ET Q q 0 0 0 rg BT 376.69 220.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 430.36 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 441.80 220.10 Td (our ) Tj ET Q q 0 0 0 rg BT 458.24 220.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 484.69 220.10 Td (or ) Tj ET Q q 0 0 0 rg BT 496.13 220.10 Td (other ) Tj ET Q q 0 0 0 rg BT 519.79 220.10 Td (significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 208.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 126.25 208.10 Td (actions;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 190.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 190.10 Td (Delay or deter a change of control of the Company;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 172.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 172.10 Td (Deprive stockholders of an opportunity to receive a premium for their shares as part of a sale of the Company; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 154.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 154.10 Td (Af) Tj ET Q q 0 0 0 rg BT 96.37 154.10 Td (fect the market price volatility and liquidity of our shares of common stock.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.19 136.10 Td (interests ) Tj ET Q q 0 0 0 rg BT 102.16 136.10 Td (of ) Tj ET Q q 0 0 0 rg BT 112.13 136.10 Td (these ) Tj ET Q q 0 0 0 rg BT 134.32 136.10 Td (investors ) Tj ET Q q 0 0 0 rg BT 172.07 136.10 Td (and ) Tj ET Q q 0 0 0 rg BT 188.15 136.10 Td (their ) Tj ET Q q 0 0 0 rg BT 208.12 136.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 250.30 136.10 Td (af) Tj ET Q q 0 0 0 rg BT 257.89 136.10 Td (filiates ) Tj ET Q q 0 0 0 rg BT 286.74 136.10 Td (may ) Tj ET Q q 0 0 0 rg BT 305.60 136.10 Td (dif) Tj ET Q q 0 0 0 rg BT 316.53 136.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 329.27 136.10 Td (from ) Tj ET Q q 0 0 0 rg BT 350.35 136.10 Td (or ) Tj ET Q q 0 0 0 rg BT 360.32 136.10 Td (be ) Tj ET Q q 0 0 0 rg BT 371.41 136.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 403.59 136.10 Td (to ) Tj ET Q q 0 0 0 rg BT 413.01 136.10 Td (the ) Tj ET Q q 0 0 0 rg BT 426.87 136.10 Td (interests ) Tj ET Q q 0 0 0 rg BT 461.84 136.10 Td (of ) Tj ET Q q 0 0 0 rg BT 471.81 136.10 Td (our ) Tj ET Q q 0 0 0 rg BT 486.78 136.10 Td (other ) Tj ET Q q 0 0 0 rg BT 508.97 136.10 Td (stockholders. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (If ) Tj ET Q q 0 0 0 rg BT 59.35 124.10 Td (any ) Tj ET Q q 0 0 0 rg BT 76.47 124.10 Td (of ) Tj ET Q q 0 0 0 rg BT 87.49 124.10 Td (these ) Tj ET Q q 0 0 0 rg BT 110.72 124.10 Td (investors ) Tj ET Q q 0 0 0 rg BT 149.52 124.10 Td (sells ) Tj ET Q q 0 0 0 rg BT 169.98 124.10 Td (a ) Tj ET Q q 0 0 0 rg BT 177.11 124.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 222.57 124.10 Td (number ) Tj ET Q q 0 0 0 rg BT 255.80 124.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.82 124.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 294.50 124.10 Td (in ) Tj ET Q q 0 0 0 rg BT 304.96 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 319.87 124.10 Td (public ) Tj ET Q q 0 0 0 rg BT 347.55 124.10 Td (market, ) Tj ET Q q 0 0 0 rg BT 380.50 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 395.40 124.10 Td (market ) Tj ET Q q 0 0 0 rg BT 425.85 124.10 Td (price ) Tj ET Q q 0 0 0 rg BT 448.53 124.10 Td (of ) Tj ET Q q 0 0 0 rg BT 459.54 124.10 Td (our ) Tj ET Q q 0 0 0 rg BT 475.56 124.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 503.24 124.10 Td (could ) Tj ET Q q 0 0 0 rg BT 528.14 124.10 Td (fall. ) Tj ET Q q 0 0 0 rg BT 546.46 124.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (perception ) Tj ET Q q 0 0 0 rg BT 94.70 112.10 Td (among ) Tj ET Q q 0 0 0 rg BT 124.42 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 139.14 112.10 Td (public ) Tj ET Q q 0 0 0 rg BT 166.63 112.10 Td (that ) Tj ET Q q 0 0 0 rg BT 184.13 112.10 Td (these ) Tj ET Q q 0 0 0 rg BT 207.17 112.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 229.11 112.10 Td (will ) Tj ET Q q 0 0 0 rg BT 247.17 112.10 Td (occur ) Tj ET Q q 0 0 0 rg BT 271.88 112.10 Td (could ) Tj ET Q q 0 0 0 rg BT 296.59 112.10 Td (also ) Tj ET Q q 0 0 0 rg BT 315.20 112.10 Td (contribute ) Tj ET Q q 0 0 0 rg BT 358.24 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 368.52 112.10 Td (a ) Tj ET Q q 0 0 0 rg BT 375.46 112.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 406.83 112.10 Td (in ) Tj ET Q q 0 0 0 rg BT 417.11 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 431.83 112.10 Td (market ) Tj ET Q q 0 0 0 rg BT 462.09 112.10 Td (price ) Tj ET Q q 0 0 0 rg BT 484.58 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 495.41 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 510.12 112.10 Td (shares.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (Failure ) Tj ET Q q 0 0 0 rg BT 83.81 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 94.27 94.10 Td (ef) Tj ET Q q 0 0 0 rg BT 101.86 94.10 Td (fectively ) Tj ET Q q 0 0 0 rg BT 138.41 94.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 173.87 94.10 Td (our ) Tj ET Q q 0 0 0 rg BT 191.01 94.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 213.70 94.10 Td (could ) Tj ET Q q 0 0 0 rg BT 239.17 94.10 Td (have ) Tj ET Q q 0 0 0 rg BT 261.29 94.10 Td (a ) Tj ET Q q 0 0 0 rg BT 268.98 94.10 Td (material ) Tj ET Q q 0 0 0 rg BT 306.11 94.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 339.90 94.10 Td (ef) Tj ET Q q 0 0 0 rg BT 347.49 94.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 365.16 94.10 Td (on ) Tj ET Q q 0 0 0 rg BT 378.41 94.10 Td (our ) Tj ET Q q 0 0 0 rg BT 395.55 94.10 Td (profitability) Tj ET Q q 0 0 0 rg BT 443.51 94.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.01 94.10 Td (Certain ) Tj ET Q q 0 0 0 rg BT 480.63 94.10 Td (elements ) Tj ET Q q 0 0 0 rg BT 518.86 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 529.88 94.10 Td (our ) Tj ET Q q 0 0 0 rg BT 545.90 94.10 Td (cost ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (structure ) Tj ET Q q 0 0 0 rg BT 87.58 82.10 Td (are ) Tj ET Q q 0 0 0 rg BT 102.39 82.10 Td (lar) Tj ET Q q 0 0 0 rg BT 112.76 82.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 132.57 82.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 155.72 82.10 Td (in ) Tj ET Q q 0 0 0 rg BT 166.10 82.10 Td (nature. ) Tj ET Q q 0 0 0 rg BT 196.18 82.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 239.89 82.10 Td (spending ) Tj ET Q q 0 0 0 rg BT 278.60 82.10 Td (remains ) Tj ET Q q 0 0 0 rg BT 312.85 82.10 Td (uncertain, ) Tj ET Q q 0 0 0 rg BT 355.15 82.10 Td (which ) Tj ET Q q 0 0 0 rg BT 382.19 82.10 Td (makes ) Tj ET Q q 0 0 0 rg BT 410.33 82.10 Td (it ) Tj ET Q q 0 0 0 rg BT 418.49 82.10 Td (more ) Tj ET Q q 0 0 0 rg BT 441.64 82.10 Td (challenging ) Tj ET Q q 0 0 0 rg BT 490.89 82.10 Td (for ) Tj ET Q q 0 0 0 rg BT 505.15 82.10 Td (us ) Tj ET Q q 0 0 0 rg BT 516.64 82.10 Td (to ) Tj ET Q q 0 0 0 rg BT 527.01 82.10 Td (maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.73 70.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 95.88 70.10 Td (our ) Tj ET Q q 0 0 0 rg BT 111.61 70.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 151.77 70.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 185.93 70.10 Td (The ) Tj ET Q q 0 0 0 rg BT 203.88 70.10 Td (competitiveness ) Tj ET Q q 0 0 0 rg BT 270.71 70.10 Td (in ) Tj ET Q q 0 0 0 rg BT 280.88 70.10 Td (our ) Tj ET Q q 0 0 0 rg BT 296.61 70.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 331.79 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 348.63 70.10 Td (increasing ) Tj ET Q q 0 0 0 rg BT 392.12 70.10 Td (price ) Tj ET Q q 0 0 0 rg BT 414.50 70.10 Td (transparency ) Tj ET Q q 0 0 0 rg BT 467.99 70.10 Td (means ) Tj ET Q q 0 0 0 rg BT 495.93 70.10 Td (that ) Tj ET Q q 0 0 0 rg BT 513.33 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 527.94 70.10 Td (focus ) Tj ET Q q 0 0 0 rg BT 552.00 70.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (achieving ) Tj ET Q q 0 0 0 rg BT 90.90 58.10 Td (ef) Tj ET Q q 0 0 0 rg BT 98.49 58.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 126.07 58.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 169.76 58.10 Td (is ) Tj ET Q q 0 0 0 rg BT 178.46 58.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 208.24 58.10 Td (than ) Tj ET Q q 0 0 0 rg BT 227.49 58.10 Td (ever) Tj ET Q q 0 0 0 rg BT 244.15 58.10 Td (. ) Tj ET Q q 0 0 0 rg BT 248.23 58.10 Td (As ) Tj ET Q q 0 0 0 rg BT 261.38 58.10 Td (a ) Tj ET Q q 0 0 0 rg BT 267.85 58.10 Td (result, ) Tj ET Q q 0 0 0 rg BT 294.60 58.10 Td (we ) Tj ET Q q 0 0 0 rg BT 308.29 58.10 Td (must ) Tj ET Q q 0 0 0 rg BT 329.77 58.10 Td (continuously ) Tj ET Q q 0 0 0 rg BT 383.47 58.10 Td (focus ) Tj ET Q q 0 0 0 rg BT 407.16 58.10 Td (on ) Tj ET Q q 0 0 0 rg BT 419.20 58.10 Td (managing ) Tj ET Q q 0 0 0 rg BT 460.66 58.10 Td (our ) Tj ET Q q 0 0 0 rg BT 476.03 58.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 494.17 58.10 Td (structure. ) Tj ET Q q 0 0 0 rg BT 533.69 58.10 Td (Failure ) Tj ET Q endstream endobj 53 0 obj <>] /Rotate 0 /Contents 54 0 R>> endobj 54 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.22 742.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 93.75 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 109.52 742.10 Td (labor ) Tj ET Q q 0 0 0 rg BT 132.50 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 149.38 742.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 179.58 742.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 203.39 742.10 Td (advertising ) Tj ET Q q 0 0 0 rg BT 250.27 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 267.14 742.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 310.12 742.10 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 351.16 742.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 391.36 742.10 Td (leases, ) Tj ET Q q 0 0 0 rg BT 420.18 742.10 Td (char) Tj ET Q q 0 0 0 rg BT 437.20 742.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 458.12 742.10 Td (fs, ) Tj ET Q q 0 0 0 rg BT 470.28 742.10 Td (other ) Tj ET Q q 0 0 0 rg BT 493.26 742.10 Td (store ) Tj ET Q q 0 0 0 rg BT 515.14 742.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 553.68 742.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (indirect ) Tj ET Q q 0 0 0 rg BT 83.04 730.10 Td (spending ) Tj ET Q q 0 0 0 rg BT 121.65 730.10 Td (could ) Tj ET Q q 0 0 0 rg BT 146.37 730.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 189.40 730.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 230.22 730.10 Td (af) Tj ET Q q 0 0 0 rg BT 237.81 730.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 255.29 730.10 Td (us.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 712.10 Td (If ) Tj ET Q q 0 0 0 rg BT 58.69 712.10 Td (we ) Tj ET Q q 0 0 0 rg BT 71.26 712.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 101.06 712.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 138.64 712.10 Td (to ) Tj ET Q q 0 0 0 rg BT 147.89 712.10 Td (of) Tj ET Q q 0 0 0 rg BT 156.04 712.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 169.16 712.10 Td (third ) Tj ET Q q 0 0 0 rg BT 190.63 712.10 Td (party ) Tj ET Q q 0 0 0 rg BT 213.21 712.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 249.66 712.10 Td (solutions ) Tj ET Q q 0 0 0 rg BT 288.37 712.10 Td (for ) Tj ET Q q 0 0 0 rg BT 302.05 712.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 345.19 712.10 Td (who ) Tj ET Q q 0 0 0 rg BT 363.88 712.10 Td (do ) Tj ET Q q 0 0 0 rg BT 375.35 712.10 Td (not ) Tj ET Q q 0 0 0 rg BT 390.15 712.10 Td (qualify ) Tj ET Q q 0 0 0 rg BT 420.50 712.10 Td (for ) Tj ET Q q 0 0 0 rg BT 434.19 712.10 Td (our ) Tj ET Q q 0 0 0 rg BT 450.10 712.10 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 497.68 712.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 522.47 712.10 Td (of) Tj ET Q q 0 0 0 rg BT 530.62 712.10 Td (ferings, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (our ) Tj ET Q q 0 0 0 rg BT 67.15 700.10 Td (business ) Tj ET Q q 0 0 0 rg BT 104.86 700.10 Td (may ) Tj ET Q q 0 0 0 rg BT 124.77 700.10 Td (be ) Tj ET Q q 0 0 0 rg BT 136.90 700.10 Td (impaired.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.07 700.10 Td ( ) Tj ET Q q 0 0 0 rg BT 181.26 700.10 Td (Currently) Tj ET Q q 0 0 0 rg BT 218.94 700.10 Td (, ) Tj ET Q q 0 0 0 rg BT 224.13 700.10 Td (if ) Tj ET Q q 0 0 0 rg BT 232.93 700.10 Td (a ) Tj ET Q q 0 0 0 rg BT 240.07 700.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 279.42 700.10 Td (does ) Tj ET Q q 0 0 0 rg BT 300.44 700.10 Td (not ) Tj ET Q q 0 0 0 rg BT 315.91 700.10 Td (qualify ) Tj ET Q q 0 0 0 rg BT 346.93 700.10 Td (for ) Tj ET Q q 0 0 0 rg BT 361.29 700.10 Td (our ) Tj ET Q q 0 0 0 rg BT 377.31 700.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 402.77 700.10 Td (of) Tj ET Q q 0 0 0 rg BT 410.92 700.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 437.49 700.10 Td (for ) Tj ET Q q 0 0 0 rg BT 451.84 700.10 Td (a ) Tj ET Q q 0 0 0 rg BT 458.98 700.10 Td (particular ) Tj ET Q q 0 0 0 rg BT 499.98 700.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 538.21 700.10 Td (in ) Tj ET Q q 0 0 0 rg BT 548.69 700.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (stores, ) Tj ET Q q 0 0 0 rg BT 77.98 688.10 Td (but ) Tj ET Q q 0 0 0 rg BT 92.91 688.10 Td (qualifies ) Tj ET Q q 0 0 0 rg BT 129.49 688.10 Td (with ) Tj ET Q q 0 0 0 rg BT 149.42 688.10 Td (Progressive, ) Tj ET Q q 0 0 0 rg BT 200.73 688.10 Td (a ) Tj ET Q q 0 0 0 rg BT 207.32 688.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 243.90 688.10 Td (solutions ) Tj ET Q q 0 0 0 rg BT 282.17 688.10 Td (provider ) Tj ET Q q 0 0 0 rg BT 318.20 688.10 Td (not ) Tj ET Q q 0 0 0 rg BT 333.13 688.10 Td (af) Tj ET Q q 0 0 0 rg BT 340.71 688.10 Td (filiated ) Tj ET Q q 0 0 0 rg BT 371.18 688.10 Td (with ) Tj ET Q q 0 0 0 rg BT 391.11 688.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 404.65 688.10 Td (then ) Tj ET Q q 0 0 0 rg BT 424.02 688.10 Td (we ) Tj ET Q q 0 0 0 rg BT 437.83 688.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 453.87 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 468.23 688.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 511.47 688.10 Td (merchandise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.26 676.10 Td (Progressive, ) Tj ET Q q 0 0 0 rg BT 111.91 676.10 Td (which ) Tj ET Q q 0 0 0 rg BT 138.83 676.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 165.19 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 179.89 676.10 Td (merchandise ) Tj ET Q q 0 0 0 rg BT 232.91 676.10 Td (to ) Tj ET Q q 0 0 0 rg BT 243.17 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 257.87 676.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 297.01 676.10 Td (under ) Tj ET Q q 0 0 0 rg BT 322.27 676.10 Td (a ) Tj ET Q q 0 0 0 rg BT 329.19 676.10 Td (lease-to-own ) Tj ET Q q 0 0 0 rg BT 383.32 676.10 Td (arrangement, ) Tj ET Q q 0 0 0 rg BT 438.27 676.10 Td (and ) Tj ET Q q 0 0 0 rg BT 455.20 676.10 Td (we ) Tj ET Q q 0 0 0 rg BT 469.34 676.10 Td (record ) Tj ET Q q 0 0 0 rg BT 497.36 676.10 Td (a ) Tj ET Q q 0 0 0 rg BT 504.29 676.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 524.54 676.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 542.57 676.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (this ) Tj ET Q q 0 0 0 rg BT 66.43 664.10 Td (arrangement. ) Tj ET Q q 0 0 0 rg BT 120.89 664.10 Td ( ) Tj ET Q q 0 0 0 rg BT 122.88 664.10 Td (In ) Tj ET Q q 0 0 0 rg BT 133.19 664.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 156.84 664.10 Td (year ) Tj ET Q q 0 0 0 rg BT 176.03 664.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 200.08 664.10 Td (AcceptanceNow) Tj ET Q q 0 0 0 rg BT 265.50 664.10 Td (, ) Tj ET Q q 0 0 0 rg BT 269.99 664.10 Td (our ) Tj ET Q q 0 0 0 rg BT 285.30 664.10 Td (previous ) Tj ET Q q 0 0 0 rg BT 321.73 664.10 Td (provider ) Tj ET Q q 0 0 0 rg BT 357.59 664.10 Td (until ) Tj ET Q q 0 0 0 rg BT 377.91 664.10 Td (May ) Tj ET Q q 0 0 0 rg BT 398.23 664.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 422.72 664.10 Td (and ) Tj ET Q q 0 0 0 rg BT 439.14 664.10 Td (Progressive, ) Tj ET Q q 0 0 0 rg BT 490.29 664.10 Td (our ) Tj ET Q q 0 0 0 rg BT 505.60 664.10 Td (provider ) Tj ET Q q 0 0 0 rg BT 541.47 664.10 Td (since ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (May ) Tj ET Q q 0 0 0 rg BT 71.66 652.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 97.49 652.10 Td (represented ) Tj ET Q q 0 0 0 rg BT 146.90 652.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 207.99 652.10 Td (5.9% ) Tj ET Q q 0 0 0 rg BT 232.15 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 243.81 652.10 Td (our ) Tj ET Q q 0 0 0 rg BT 260.47 652.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 284.35 652.10 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 321.82 652.10 Td ( ) Tj ET Q q 0 0 0 rg BT 325.15 652.10 Td (During ) Tj ET Q q 0 0 0 rg BT 356.81 652.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 381.80 652.10 Td (year ) Tj ET Q q 0 0 0 rg BT 402.33 652.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 428.16 652.10 Td (we ) Tj ET Q q 0 0 0 rg BT 443.15 652.10 Td (transitioned ) Tj ET Q q 0 0 0 rg BT 493.70 652.10 Td (our ) Tj ET Q q 0 0 0 rg BT 510.36 652.10 Td (lease-to-own ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 99.67 640.10 Td (to ) Tj ET Q q 0 0 0 rg BT 109.90 640.10 Td (Progressive, ) Tj ET Q q 0 0 0 rg BT 161.52 640.10 Td (a ) Tj ET Q q 0 0 0 rg BT 168.41 640.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 211.98 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 222.22 640.10 Td (Aaron) Tj ET Q q 0 0 0 rg BT 249.99 640.10 Td (s, ) Tj ET Q q 0 0 0 rg BT 258.84 640.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 276.56 640.10 Td ( ) Tj ET Q q 0 0 0 rg BT 279.02 640.10 Td (Progressive's ) Tj ET Q q 0 0 0 rg BT 333.83 640.10 Td (business ) Tj ET Q q 0 0 0 rg BT 370.18 640.10 Td (model ) Tj ET Q q 0 0 0 rg BT 397.63 640.10 Td (is ) Tj ET Q q 0 0 0 rg BT 406.75 640.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 437.53 640.10 Td (to ) Tj ET Q q 0 0 0 rg BT 447.77 640.10 Td (various ) Tj ET Q q 0 0 0 rg BT 479.66 640.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 501.01 640.10 Td (that ) Tj ET Q q 0 0 0 rg BT 518.46 640.10 Td (are ) Tj ET Q q 0 0 0 rg BT 533.13 640.10 Td (outside ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.07 628.10 Td (our ) Tj ET Q q 0 0 0 rg BT 75.13 628.10 Td (control. ) Tj ET Q q 0 0 0 rg BT 107.69 628.10 Td ( ) Tj ET Q q 0 0 0 rg BT 109.43 628.10 Td (If, ) Tj ET Q q 0 0 0 rg BT 120.32 628.10 Td (as ) Tj ET Q q 0 0 0 rg BT 130.39 628.10 Td (a ) Tj ET Q q 0 0 0 rg BT 136.56 628.10 Td (result ) Tj ET Q q 0 0 0 rg BT 160.52 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 170.58 628.10 Td (any ) Tj ET Q q 0 0 0 rg BT 186.76 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 196.82 628.10 Td (these ) Tj ET Q q 0 0 0 rg BT 219.11 628.10 Td (risks, ) Tj ET Q q 0 0 0 rg BT 242.23 628.10 Td (Progressive ) Tj ET Q q 0 0 0 rg BT 290.63 628.10 Td (becomes ) Tj ET Q q 0 0 0 rg BT 327.35 628.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 355.74 628.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 367.76 628.10 Td (or ) Tj ET Q q 0 0 0 rg BT 377.82 628.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 418.44 628.10 Td (determines ) Tj ET Q q 0 0 0 rg BT 464.04 628.10 Td (not ) Tj ET Q q 0 0 0 rg BT 478.56 628.10 Td (to ) Tj ET Q q 0 0 0 rg BT 488.07 628.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 524.24 628.10 Td (operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (with ) Tj ET Q q 0 0 0 rg BT 69.55 616.10 Td (us ) Tj ET Q q 0 0 0 rg BT 80.21 616.10 Td (at ) Tj ET Q q 0 0 0 rg BT 89.20 616.10 Td (a ) Tj ET Q q 0 0 0 rg BT 95.42 616.10 Td (level ) Tj ET Q q 0 0 0 rg BT 116.62 616.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 146.17 616.10 Td (to ) Tj ET Q q 0 0 0 rg BT 155.72 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 169.71 616.10 Td (level ) Tj ET Q q 0 0 0 rg BT 190.91 616.10 Td (we ) Tj ET Q q 0 0 0 rg BT 204.35 616.10 Td (have ) Tj ET Q q 0 0 0 rg BT 225.00 616.10 Td (historically ) Tj ET Q q 0 0 0 rg BT 271.76 616.10 Td (operated, ) Tj ET Q q 0 0 0 rg BT 310.45 616.10 Td (or ) Tj ET Q q 0 0 0 rg BT 320.56 616.10 Td (if ) Tj ET Q q 0 0 0 rg BT 328.44 616.10 Td (we ) Tj ET Q q 0 0 0 rg BT 341.87 616.10 Td (are ) Tj ET Q q 0 0 0 rg BT 355.85 616.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 384.28 616.10 Td (to ) Tj ET Q q 0 0 0 rg BT 393.83 616.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 430.60 616.10 Td (a ) Tj ET Q q 0 0 0 rg BT 436.81 616.10 Td (new ) Tj ET Q q 0 0 0 rg BT 455.24 616.10 Td (partnership ) Tj ET Q q 0 0 0 rg BT 502.00 616.10 Td (with ) Tj ET Q q 0 0 0 rg BT 521.55 616.10 Td (a ) Tj ET Q q 0 0 0 rg BT 527.76 616.10 Td (dif) Tj ET Q q 0 0 0 rg BT 538.69 616.10 Td (ferent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (provider ) Tj ET Q q 0 0 0 rg BT 86.68 604.10 Td (on ) Tj ET Q q 0 0 0 rg BT 99.48 604.10 Td (favorable ) Tj ET Q q 0 0 0 rg BT 140.03 604.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 165.04 604.10 Td (or ) Tj ET Q q 0 0 0 rg BT 176.17 604.10 Td (at ) Tj ET Q q 0 0 0 rg BT 186.19 604.10 Td (all, ) Tj ET Q q 0 0 0 rg BT 201.48 604.10 Td (then ) Tj ET Q q 0 0 0 rg BT 221.50 604.10 Td (we ) Tj ET Q q 0 0 0 rg BT 235.96 604.10 Td (could ) Tj ET Q q 0 0 0 rg BT 260.98 604.10 Td (lose ) Tj ET Q q 0 0 0 rg BT 279.88 604.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 302.12 604.10 Td (or ) Tj ET Q q 0 0 0 rg BT 313.25 604.10 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 350.20 604.10 Td (our ) Tj ET Q q 0 0 0 rg BT 366.33 604.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 404.11 604.10 Td (results ) Tj ET Q q 0 0 0 rg BT 433.01 604.10 Td (could ) Tj ET Q q 0 0 0 rg BT 458.03 604.10 Td (be ) Tj ET Q q 0 0 0 rg BT 470.27 604.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 511.38 604.10 Td (af) Tj ET Q q 0 0 0 rg BT 518.97 604.10 Td (fected, ) Tj ET Q q 0 0 0 rg BT 548.69 604.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 78.05 592.10 Td (to ) Tj ET Q q 0 0 0 rg BT 88.33 592.10 Td (execute ) Tj ET Q q 0 0 0 rg BT 121.36 592.10 Td (our ) Tj ET Q q 0 0 0 rg BT 137.19 592.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 168.02 592.10 Td (plan ) Tj ET Q q 0 0 0 rg BT 187.74 592.10 Td (could ) Tj ET Q q 0 0 0 rg BT 212.46 592.10 Td (be ) Tj ET Q q 0 0 0 rg BT 224.39 592.10 Td (impeded ) Tj ET Q q 0 0 0 rg BT 261.33 592.10 Td (and ) Tj ET Q q 0 0 0 rg BT 278.27 592.10 Td (we ) Tj ET Q q 0 0 0 rg BT 292.43 592.10 Td (could ) Tj ET Q q 0 0 0 rg BT 317.14 592.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 358.52 592.10 Td (suf) Tj ET Q q 0 0 0 rg BT 370.56 592.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 384.16 592.10 Td (a ) Tj ET Q q 0 0 0 rg BT 391.10 592.10 Td (material ) Tj ET Q q 0 0 0 rg BT 426.36 592.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 459.39 592.10 Td (ef) Tj ET Q q 0 0 0 rg BT 466.98 592.10 Td (fect.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.78 574.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 90.88 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 101.31 574.10 Td (doing ) Tj ET Q q 0 0 0 rg BT 126.75 574.10 Td (business ) Tj ET Q q 0 0 0 rg BT 163.86 574.10 Td (could ) Tj ET Q q 0 0 0 rg BT 188.74 574.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 225.28 574.10 Td (as ) Tj ET Q q 0 0 0 rg BT 236.28 574.10 Td (a ) Tj ET Q q 0 0 0 rg BT 243.38 574.10 Td (result ) Tj ET Q q 0 0 0 rg BT 268.82 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 279.25 574.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 315.24 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 325.68 574.10 Td (federal, ) Tj ET Q q 0 0 0 rg BT 359.16 574.10 Td (state ) Tj ET Q q 0 0 0 rg BT 380.15 574.10 Td (or ) Tj ET Q q 0 0 0 rg BT 391.14 574.10 Td (local ) Tj ET Q q 0 0 0 rg BT 413.24 574.10 Td (regulations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.42 574.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 501.46 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 511.34 574.10 Td (federal, ) Tj ET Q q 0 0 0 rg BT 543.69 574.10 Td (state ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.21 562.10 Td (local ) Tj ET Q q 0 0 0 rg BT 81.53 562.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 122.30 562.10 Td (wage ) Tj ET Q q 0 0 0 rg BT 145.28 562.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 199.37 562.10 Td (or ) Tj ET Q q 0 0 0 rg BT 209.58 562.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 243.67 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 253.33 562.10 Td (other ) Tj ET Q q 0 0 0 rg BT 275.76 562.10 Td (wage ) Tj ET Q q 0 0 0 rg BT 298.74 562.10 Td (or ) Tj ET Q q 0 0 0 rg BT 308.95 562.10 Td (workplace ) Tj ET Q q 0 0 0 rg BT 352.48 562.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 398.80 562.10 Td (could ) Tj ET Q q 0 0 0 rg BT 422.90 562.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 457.53 562.10 Td (our ) Tj ET Q q 0 0 0 rg BT 472.74 562.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 490.73 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 500.95 562.10 Td (doing ) Tj ET Q q 0 0 0 rg BT 525.61 562.10 Td (business. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.66 550.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 100.26 550.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 135.80 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 146.91 550.10 Td (federal, ) Tj ET Q q 0 0 0 rg BT 180.49 550.10 Td (state ) Tj ET Q q 0 0 0 rg BT 202.15 550.10 Td (or ) Tj ET Q q 0 0 0 rg BT 213.81 550.10 Td (local ) Tj ET Q q 0 0 0 rg BT 236.57 550.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 284.34 550.10 Td (governing ) Tj ET Q q 0 0 0 rg BT 328.21 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.76 550.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 362.64 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 374.30 550.10 Td (some ) Tj ET Q q 0 0 0 rg BT 398.74 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 410.40 550.10 Td (our ) Tj ET Q q 0 0 0 rg BT 427.06 550.10 Td (products ) Tj ET Q q 0 0 0 rg BT 464.82 550.10 Td (or ) Tj ET Q q 0 0 0 rg BT 476.48 550.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 492.03 550.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 539.79 550.10 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 85.83 538.10 Td (our ) Tj ET Q q 0 0 0 rg BT 102.23 538.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 121.42 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 132.82 538.10 Td (doing ) Tj ET Q q 0 0 0 rg BT 158.68 538.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 197.46 538.10 Td (Also, ) Tj ET Q q 0 0 0 rg BT 221.93 538.10 Td (passage ) Tj ET Q q 0 0 0 rg BT 256.11 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 267.51 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 282.80 538.10 Td (Employer ) Tj ET Q q 0 0 0 rg BT 325.31 538.10 Td (Free ) Tj ET Q q 0 0 0 rg BT 346.16 538.10 Td (Choice ) Tj ET Q q 0 0 0 rg BT 376.88 538.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 394.39 538.10 Td (or ) Tj ET Q q 0 0 0 rg BT 405.80 538.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 436.64 538.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 458.05 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 468.90 538.10 Td (Congress ) Tj ET Q q 0 0 0 rg BT 509.20 538.10 Td (could ) Tj ET Q q 0 0 0 rg BT 534.49 538.10 Td (lead ) Tj ET Q q 0 0 0 rg BT 554.22 538.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 78.05 526.10 Td (labor ) Tj ET Q q 0 0 0 rg BT 101.09 526.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 123.59 526.10 Td (by ) Tj ET Q q 0 0 0 rg BT 136.09 526.10 Td (encouraging ) Tj ET Q q 0 0 0 rg BT 188.02 526.10 Td (unionization ) Tj ET Q q 0 0 0 rg BT 240.51 526.10 Td (ef) Tj ET Q q 0 0 0 rg BT 248.10 526.10 Td (forts ) Tj ET Q q 0 0 0 rg BT 268.93 526.10 Td (among ) Tj ET Q q 0 0 0 rg BT 298.64 526.10 Td (our ) Tj ET Q q 0 0 0 rg BT 314.47 526.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 359.74 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 376.67 526.10 Td (disruption ) Tj ET Q q 0 0 0 rg BT 419.73 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 430.56 526.10 Td (store ) Tj ET Q q 0 0 0 rg BT 452.50 526.10 Td (operations.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 69.15 508.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 95.52 508.10 Td (are ) Tj ET Q q 0 0 0 rg BT 111.33 508.10 Td (concentrated ) Tj ET Q q 0 0 0 rg BT 167.13 508.10 Td (in ) Tj ET Q q 0 0 0 rg BT 177.95 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 193.20 508.10 Td (southern ) Tj ET Q q 0 0 0 rg BT 232.36 508.10 Td (region ) Tj ET Q q 0 0 0 rg BT 261.51 508.10 Td (of ) Tj ET Q q 0 0 0 rg BT 272.32 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 287.57 508.10 Td (United ) Tj ET Q q 0 0 0 rg BT 317.83 508.10 Td (States, ) Tj ET Q q 0 0 0 rg BT 347.25 508.10 Td (especially ) Tj ET Q q 0 0 0 rg BT 389.71 508.10 Td (T) Tj ET Q q 0 0 0 rg BT 394.90 508.10 Td (exas, ) Tj ET Q q 0 0 0 rg BT 418.21 508.10 Td (which ) Tj ET Q q 0 0 0 rg BT 445.70 508.10 Td (subjects ) Tj ET Q q 0 0 0 rg BT 480.95 508.10 Td (us ) Tj ET Q q 0 0 0 rg BT 492.88 508.10 Td (to ) Tj ET Q q 0 0 0 rg BT 503.14 508.10 Td (regional ) Tj ET Q q 0 0 0 rg BT 540.06 508.10 Td (risks, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (such ) Tj ET Q q 0 0 0 rg BT 72.28 496.10 Td (as ) Tj ET Q q 0 0 0 rg BT 84.01 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 99.62 496.10 Td (economy) Tj ET Q q 0 0 0 rg BT 135.90 496.10 Td (, ) Tj ET Q q 0 0 0 rg BT 141.23 496.10 Td (weather ) Tj ET Q q 0 0 0 rg BT 176.84 496.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 224.96 496.10 Td (hurricanes ) Tj ET Q q 0 0 0 rg BT 272.81 496.10 Td (and ) Tj ET Q q 0 0 0 rg BT 291.20 496.10 Td (other ) Tj ET Q q 0 0 0 rg BT 315.70 496.10 Td (natural ) Tj ET Q q 0 0 0 rg BT 349.10 496.10 Td (or ) Tj ET Q q 0 0 0 rg BT 360.82 496.10 Td (man-made ) Tj ET Q q 0 0 0 rg BT 407.54 496.10 Td (disasters.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.60 496.10 Td ( ) Tj ET Q q 0 0 0 rg BT 448.43 496.10 Td (If ) Tj ET Q q 0 0 0 rg BT 457.93 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 472.97 496.10 Td (southern ) Tj ET Q q 0 0 0 rg BT 510.24 496.10 Td (region ) Tj ET Q q 0 0 0 rg BT 538.62 496.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 496.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (United ) Tj ET Q q 0 0 0 rg BT 79.77 484.10 Td (States ) Tj ET Q q 0 0 0 rg BT 106.21 484.10 Td (suf) Tj ET Q q 0 0 0 rg BT 118.25 484.10 Td (fers ) Tj ET Q q 0 0 0 rg BT 135.80 484.10 Td (a ) Tj ET Q q 0 0 0 rg BT 142.79 484.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 184.78 484.10 Td (or ) Tj ET Q q 0 0 0 rg BT 195.66 484.10 Td (another ) Tj ET Q q 0 0 0 rg BT 228.20 484.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 269.62 484.10 Td (downturn ) Tj ET Q q 0 0 0 rg BT 310.51 484.10 Td (or ) Tj ET Q q 0 0 0 rg BT 321.39 484.10 Td (any ) Tj ET Q q 0 0 0 rg BT 338.38 484.10 Td (other ) Tj ET Q q 0 0 0 rg BT 361.48 484.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 394.58 484.10 Td (regional ) Tj ET Q q 0 0 0 rg BT 429.89 484.10 Td (event, ) Tj ET Q q 0 0 0 rg BT 456.60 484.10 Td (such ) Tj ET Q q 0 0 0 rg BT 477.49 484.10 Td (as ) Tj ET Q q 0 0 0 rg BT 488.37 484.10 Td (inclement ) Tj ET Q q 0 0 0 rg BT 530.35 484.10 Td (weather ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (\(including ) Tj ET Q q 0 0 0 rg BT 93.56 472.10 Td (hurricanes ) Tj ET Q q 0 0 0 rg BT 137.66 472.10 Td (like ) Tj ET Q q 0 0 0 rg BT 155.11 472.10 Td (Hurricane ) Tj ET Q q 0 0 0 rg BT 197.54 472.10 Td (Harvey\), ) Tj ET Q q 0 0 0 rg BT 235.26 472.10 Td (it ) Tj ET Q q 0 0 0 rg BT 243.27 472.10 Td (could ) Tj ET Q q 0 0 0 rg BT 267.94 472.10 Td (have ) Tj ET Q q 0 0 0 rg BT 289.28 472.10 Td (a ) Tj ET Q q 0 0 0 rg BT 296.17 472.10 Td (material ) Tj ET Q q 0 0 0 rg BT 331.39 472.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 364.38 472.10 Td (ef) Tj ET Q q 0 0 0 rg BT 371.97 472.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 389.41 472.10 Td (on ) Tj ET Q q 0 0 0 rg BT 401.87 472.10 Td (us ) Tj ET Q q 0 0 0 rg BT 413.21 472.10 Td (as ) Tj ET Q q 0 0 0 rg BT 424.00 472.10 Td (a ) Tj ET Q q 0 0 0 rg BT 430.89 472.10 Td (result ) Tj ET Q q 0 0 0 rg BT 455.57 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 466.35 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 481.03 472.10 Td (concentration ) Tj ET Q q 0 0 0 rg BT 537.90 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 548.69 472.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 76.06 460.10 Td (in ) Tj ET Q q 0 0 0 rg BT 86.58 460.10 Td (such ) Tj ET Q q 0 0 0 rg BT 107.64 460.10 Td (region. ) Tj ET Q q 0 0 0 rg BT 138.42 460.10 Td (Several ) Tj ET Q q 0 0 0 rg BT 171.14 460.10 Td (of ) Tj ET Q q 0 0 0 rg BT 182.20 460.10 Td (our ) Tj ET Q q 0 0 0 rg BT 198.26 460.10 Td (competitors ) Tj ET Q q 0 0 0 rg BT 248.21 460.10 Td (operate ) Tj ET Q q 0 0 0 rg BT 280.37 460.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 306.43 460.10 Td (in ) Tj ET Q q 0 0 0 rg BT 316.94 460.10 Td (various ) Tj ET Q q 0 0 0 rg BT 349.11 460.10 Td (regions ) Tj ET Q q 0 0 0 rg BT 381.29 460.10 Td (across ) Tj ET Q q 0 0 0 rg BT 409.01 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 423.96 460.10 Td (United ) Tj ET Q q 0 0 0 rg BT 453.91 460.10 Td (States ) Tj ET Q q 0 0 0 rg BT 480.53 460.10 Td (and ) Tj ET Q q 0 0 0 rg BT 497.70 460.10 Td (thus ) Tj ET Q q 0 0 0 rg BT 517.11 460.10 Td (may ) Tj ET Q q 0 0 0 rg BT 537.06 460.10 Td (not ) Tj ET Q q 0 0 0 rg BT 552.57 460.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.99 448.10 Td (vulnerable ) Tj ET Q q 0 0 0 rg BT 105.85 448.10 Td (to ) Tj ET Q q 0 0 0 rg BT 116.29 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 131.17 448.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 152.72 448.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 196.47 448.10 Td (with ) Tj ET Q q 0 0 0 rg BT 216.91 448.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 257.34 448.10 Td (in ) Tj ET Q q 0 0 0 rg BT 267.77 448.10 Td (a ) Tj ET Q q 0 0 0 rg BT 274.87 448.10 Td (concentrated ) Tj ET Q q 0 0 0 rg BT 328.61 448.10 Td (region. ) Tj ET Q q 0 0 0 rg BT 359.13 448.10 Td (The ) Tj ET Q q 0 0 0 rg BT 377.33 448.10 Td (states ) Tj ET Q q 0 0 0 rg BT 402.21 448.10 Td (and ) Tj ET Q q 0 0 0 rg BT 419.31 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 434.19 448.10 Td (local ) Tj ET Q q 0 0 0 rg BT 456.28 448.10 Td (economies ) Tj ET Q q 0 0 0 rg BT 501.70 448.10 Td (where ) Tj ET Q q 0 0 0 rg BT 528.79 448.10 Td (many ) Tj ET Q q 0 0 0 rg BT 553.67 448.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (our ) Tj ET Q q 0 0 0 rg BT 66.02 436.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 92.04 436.10 Td (are ) Tj ET Q q 0 0 0 rg BT 106.94 436.10 Td (located ) Tj ET Q q 0 0 0 rg BT 138.51 436.10 Td (are ) Tj ET Q q 0 0 0 rg BT 153.41 436.10 Td (dependent, ) Tj ET Q q 0 0 0 rg BT 199.69 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 210.16 436.10 Td (a ) Tj ET Q q 0 0 0 rg BT 217.29 436.10 Td (degree, ) Tj ET Q q 0 0 0 rg BT 249.13 436.10 Td (on ) Tj ET Q q 0 0 0 rg BT 261.82 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 276.73 436.10 Td (oil ) Tj ET Q q 0 0 0 rg BT 289.98 436.10 Td (and ) Tj ET Q q 0 0 0 rg BT 307.11 436.10 Td (gas ) Tj ET Q q 0 0 0 rg BT 323.13 436.10 Td (industries, ) Tj ET Q q 0 0 0 rg BT 367.21 436.10 Td (which ) Tj ET Q q 0 0 0 rg BT 394.34 436.10 Td (can ) Tj ET Q q 0 0 0 rg BT 410.91 436.10 Td (be ) Tj ET Q q 0 0 0 rg BT 423.04 436.10 Td (very ) Tj ET Q q 0 0 0 rg BT 443.50 436.10 Td (volatile ) Tj ET Q q 0 0 0 rg BT 476.18 436.10 Td (due ) Tj ET Q q 0 0 0 rg BT 493.31 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 503.78 436.10 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 553.69 436.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (commodities ) Tj ET Q q 0 0 0 rg BT 103.96 424.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 130.13 424.10 Td (or ) Tj ET Q q 0 0 0 rg BT 140.76 424.10 Td (other ) Tj ET Q q 0 0 0 rg BT 163.61 424.10 Td (causes. ) Tj ET Q q 0 0 0 rg BT 194.51 424.10 Td (Because ) Tj ET Q q 0 0 0 rg BT 230.12 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 240.75 424.10 Td (fears ) Tj ET Q q 0 0 0 rg BT 262.48 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 273.11 424.10 Td (climate ) Tj ET Q q 0 0 0 rg BT 304.83 424.10 Td (change ) Tj ET Q q 0 0 0 rg BT 335.45 424.10 Td (and ) Tj ET Q q 0 0 0 rg BT 352.19 424.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 385.02 424.10 Td (ef) Tj ET Q q 0 0 0 rg BT 392.61 424.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 413.79 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 424.41 424.10 Td (drilling ) Tj ET Q q 0 0 0 rg BT 456.16 424.10 Td (explosions ) Tj ET Q q 0 0 0 rg BT 501.23 424.10 Td (and ) Tj ET Q q 0 0 0 rg BT 517.97 424.10 Td (oil ) Tj ET Q q 0 0 0 rg BT 530.83 424.10 Td (spills ) Tj ET Q q 0 0 0 rg BT 554.24 424.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.30 412.10 Td (Gulf ) Tj ET Q q 0 0 0 rg BT 84.72 412.10 Td (of ) Tj ET Q q 0 0 0 rg BT 95.14 412.10 Td (Mexico, ) Tj ET Q q 0 0 0 rg BT 130.27 412.10 Td (legislation ) Tj ET Q q 0 0 0 rg BT 174.02 412.10 Td (has ) Tj ET Q q 0 0 0 rg BT 189.44 412.10 Td (been ) Tj ET Q q 0 0 0 rg BT 210.40 412.10 Td (considered, ) Tj ET Q q 0 0 0 rg BT 258.31 412.10 Td (and ) Tj ET Q q 0 0 0 rg BT 274.83 412.10 Td (governmental ) Tj ET Q q 0 0 0 rg BT 331.90 412.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 378.42 412.10 Td (and ) Tj ET Q q 0 0 0 rg BT 394.95 412.10 Td (orders ) Tj ET Q q 0 0 0 rg BT 422.02 412.10 Td (have ) Tj ET Q q 0 0 0 rg BT 442.99 412.10 Td (been ) Tj ET Q q 0 0 0 rg BT 463.95 412.10 Td (issued, ) Tj ET Q q 0 0 0 rg BT 493.54 412.10 Td (which, ) Tj ET Q q 0 0 0 rg BT 522.57 412.10 Td (combined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (with ) Tj ET Q q 0 0 0 rg BT 70.13 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.71 400.10 Td (local ) Tj ET Q q 0 0 0 rg BT 106.50 400.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 147.72 400.10 Td (and ) Tj ET Q q 0 0 0 rg BT 164.52 400.10 Td (employment ) Tj ET Q q 0 0 0 rg BT 216.87 400.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 260.89 400.10 Td (caused ) Tj ET Q q 0 0 0 rg BT 290.45 400.10 Td (by ) Tj ET Q q 0 0 0 rg BT 302.81 400.10 Td (both, ) Tj ET Q q 0 0 0 rg BT 325.44 400.10 Td (could ) Tj ET Q q 0 0 0 rg BT 350.01 400.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 392.91 400.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 433.58 400.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 463.14 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 477.72 400.10 Td (oil ) Tj ET Q q 0 0 0 rg BT 490.63 400.10 Td (and ) Tj ET Q q 0 0 0 rg BT 507.42 400.10 Td (gas ) Tj ET Q q 0 0 0 rg BT 523.11 400.10 Td (industries ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.17 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 82.12 388.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 123.73 388.10 Td (health ) Tj ET Q q 0 0 0 rg BT 150.90 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 161.96 388.10 Td (areas ) Tj ET Q q 0 0 0 rg BT 185.23 388.10 Td (in ) Tj ET Q q 0 0 0 rg BT 195.75 388.10 Td (which ) Tj ET Q q 0 0 0 rg BT 222.92 388.10 Td (a ) Tj ET Q q 0 0 0 rg BT 230.09 388.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 275.04 388.10 Td (number ) Tj ET Q q 0 0 0 rg BT 308.32 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 319.38 388.10 Td (our ) Tj ET Q q 0 0 0 rg BT 335.45 388.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 361.51 388.10 Td (are ) Tj ET Q q 0 0 0 rg BT 376.46 388.10 Td (located. ) Tj ET Q q 0 0 0 rg BT 410.56 388.10 Td (In ) Tj ET Q q 0 0 0 rg BT 421.63 388.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 459.63 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.58 388.10 Td (legislative, ) Tj ET Q q 0 0 0 rg BT 520.92 388.10 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 376.10 Td (general ) Tj ET Q q 0 0 0 rg BT 98.86 376.10 Td (business ) Tj ET Q q 0 0 0 rg BT 135.24 376.10 Td (environment ) Tj ET Q q 0 0 0 rg BT 188.28 376.10 Td (in ) Tj ET Q q 0 0 0 rg BT 198.38 376.10 Td (T) Tj ET Q q 0 0 0 rg BT 203.79 376.10 Td (exas, ) Tj ET Q q 0 0 0 rg BT 226.55 376.10 Td (where ) Tj ET Q q 0 0 0 rg BT 253.48 376.10 Td (a ) Tj ET Q q 0 0 0 rg BT 260.41 376.10 Td (lar) Tj ET Q q 0 0 0 rg BT 270.78 376.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 282.71 376.10 Td (number ) Tj ET Q q 0 0 0 rg BT 315.76 376.10 Td (of ) Tj ET Q q 0 0 0 rg BT 326.58 376.10 Td (our ) Tj ET Q q 0 0 0 rg BT 342.41 376.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 368.24 376.10 Td (are ) Tj ET Q q 0 0 0 rg BT 382.94 376.10 Td (located, ) Tj ET Q q 0 0 0 rg BT 416.81 376.10 Td (has ) Tj ET Q q 0 0 0 rg BT 432.64 376.10 Td (been ) Tj ET Q q 0 0 0 rg BT 454.01 376.10 Td (relatively ) Tj ET Q q 0 0 0 rg BT 494.26 376.10 Td (favorable ) Tj ET Q q 0 0 0 rg BT 534.52 376.10 Td (for ) Tj ET Q q 0 0 0 rg BT 548.67 376.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 88.89 364.10 Td (but ) Tj ET Q q 0 0 0 rg BT 104.17 364.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 140.54 364.10 Td (or ) Tj ET Q q 0 0 0 rg BT 151.37 364.10 Td (unexpected ) Tj ET Q q 0 0 0 rg BT 199.40 364.10 Td (legislative ) Tj ET Q q 0 0 0 rg BT 243.00 364.10 Td (or ) Tj ET Q q 0 0 0 rg BT 253.83 364.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 297.43 364.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 332.13 364.10 Td (in ) Tj ET Q q 0 0 0 rg BT 342.23 364.10 Td (T) Tj ET Q q 0 0 0 rg BT 347.64 364.10 Td (exas ) Tj ET Q q 0 0 0 rg BT 367.91 364.10 Td (could ) Tj ET Q q 0 0 0 rg BT 392.63 364.10 Td (have ) Tj ET Q q 0 0 0 rg BT 414.00 364.10 Td (a ) Tj ET Q q 0 0 0 rg BT 420.94 364.10 Td (material ) Tj ET Q q 0 0 0 rg BT 456.20 364.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 489.24 364.10 Td (ef) Tj ET Q q 0 0 0 rg BT 496.83 364.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 514.31 364.10 Td (on ) Tj ET Q q 0 0 0 rg BT 526.81 364.10 Td (us.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 69.51 346.10 Td (information ) Tj ET Q q 0 0 0 rg BT 121.79 346.10 Td (technology ) Tj ET Q q 0 0 0 rg BT 169.62 346.10 Td (infrastructure ) Tj ET Q q 0 0 0 rg BT 230.25 346.10 Td (is ) Tj ET Q q 0 0 0 rg BT 239.75 346.10 Td (vulnerable ) Tj ET Q q 0 0 0 rg BT 286.46 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 297.07 346.10 Td (damage ) Tj ET Q q 0 0 0 rg BT 332.12 346.10 Td (that ) Tj ET Q q 0 0 0 rg BT 351.07 346.10 Td (could ) Tj ET Q q 0 0 0 rg BT 376.68 346.10 Td (harm ) Tj ET Q q 0 0 0 rg BT 401.74 346.10 Td (our ) Tj ET Q q 0 0 0 rg BT 419.03 346.10 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.54 346.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 477.42 346.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 505.81 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 516.42 346.10 Td (operate ) Tj ET Q q 0 0 0 rg BT 548.67 346.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 87.94 334.10 Td (including ) Tj ET Q q 0 0 0 rg BT 127.25 334.10 Td (our ) Tj ET Q q 0 0 0 rg BT 142.13 334.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 169.22 334.10 Td (to ) Tj ET Q q 0 0 0 rg BT 178.55 334.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 211.19 334.10 Td (our ) Tj ET Q q 0 0 0 rg BT 226.06 334.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 250.37 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 266.35 334.10 Td (collections, ) Tj ET Q q 0 0 0 rg BT 313.72 334.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 356.92 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 372.90 334.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 412.77 334.10 Td (levels, ) Tj ET Q q 0 0 0 rg BT 440.14 334.10 Td (lar) Tj ET Q q 0 0 0 rg BT 450.50 334.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 469.27 334.10 Td (depends ) Tj ET Q q 0 0 0 rg BT 503.58 334.10 Td (on ) Tj ET Q q 0 0 0 rg BT 515.12 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 528.88 334.10 Td (ef) Tj ET Q q 0 0 0 rg BT 536.47 334.10 Td (ficient ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (operation ) Tj ET Q q 0 0 0 rg BT 91.91 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 104.38 322.10 Td (our ) Tj ET Q q 0 0 0 rg BT 121.85 322.10 Td (computer ) Tj ET Q q 0 0 0 rg BT 163.76 322.10 Td (hardware ) Tj ET Q q 0 0 0 rg BT 205.10 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 223.68 322.10 Td (software ) Tj ET Q q 0 0 0 rg BT 262.25 322.10 Td (systems. ) Tj ET Q q 0 0 0 rg BT 300.26 322.10 Td (W) Tj ET Q q 0 0 0 rg BT 308.90 322.10 Td (e ) Tj ET Q q 0 0 0 rg BT 317.48 322.10 Td (use ) Tj ET Q q 0 0 0 rg BT 334.95 322.10 Td (management ) Tj ET Q q 0 0 0 rg BT 390.18 322.10 Td (information ) Tj ET Q q 0 0 0 rg BT 441.53 322.10 Td (systems, ) Tj ET Q q 0 0 0 rg BT 479.85 322.10 Td (including ) Tj ET Q q 0 0 0 rg BT 521.76 322.10 Td (our ) Tj ET Q q 0 0 0 rg BT 539.23 322.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (underwriting, ) Tj ET Q q 0 0 0 rg BT 106.26 310.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 125.58 310.10 Td (management, ) Tj ET Q q 0 0 0 rg BT 181.28 310.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 221.71 310.10 Td (management ) Tj ET Q q 0 0 0 rg BT 274.90 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 291.45 310.10 Td (collections ) Tj ET Q q 0 0 0 rg BT 336.88 310.10 Td (systems, ) Tj ET Q q 0 0 0 rg BT 373.15 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 383.04 310.10 Td (track ) Tj ET Q q 0 0 0 rg BT 405.13 310.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 445.56 310.10 Td (information ) Tj ET Q q 0 0 0 rg BT 494.88 310.10 Td (at ) Tj ET Q q 0 0 0 rg BT 504.20 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.52 310.10 Td (store ) Tj ET Q q 0 0 0 rg BT 540.07 310.10 Td (level, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (communicate ) Tj ET Q q 0 0 0 rg BT 106.92 298.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 146.63 298.10 Td (information, ) Tj ET Q q 0 0 0 rg BT 199.39 298.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 241.30 298.10 Td (daily ) Tj ET Q q 0 0 0 rg BT 264.35 298.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 286.84 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 304.33 298.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 339.59 298.10 Td (information ) Tj ET Q q 0 0 0 rg BT 389.85 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 407.34 298.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 441.49 298.10 Td (our ) Tj ET Q q 0 0 0 rg BT 457.87 298.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 483.69 298.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 524.23 298.10 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (processing ) Tj ET Q q 0 0 0 rg BT 95.14 286.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 120.28 286.10 Td (applications ) Tj ET Q q 0 0 0 rg BT 170.98 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 187.79 286.10 Td (managing ) Tj ET Q q 0 0 0 rg BT 229.60 286.10 Td (collections. ) Tj ET Q q 0 0 0 rg BT 277.79 286.10 Td (In ) Tj ET Q q 0 0 0 rg BT 288.50 286.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 326.14 286.10 Td (we ) Tj ET Q q 0 0 0 rg BT 340.18 286.10 Td (license ) Tj ET Q q 0 0 0 rg BT 370.32 286.10 Td (these ) Tj ET Q q 0 0 0 rg BT 393.24 286.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 427.28 286.10 Td (from ) Tj ET Q q 0 0 0 rg BT 449.10 286.10 Td (third ) Tj ET Q q 0 0 0 rg BT 470.36 286.10 Td (parties. ) Tj ET Q q 0 0 0 rg BT 501.89 286.10 Td ( ) Tj ET Q q 0 0 0 rg BT 504.09 286.10 Td (These ) Tj ET Q q 0 0 0 rg BT 530.34 286.10 Td (systems ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 274.10 Td (our ) Tj ET Q q 0 0 0 rg BT 82.77 274.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 126.92 274.10 Td (are ) Tj ET Q q 0 0 0 rg BT 141.63 274.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 172.46 274.10 Td (to ) Tj ET Q q 0 0 0 rg BT 182.73 274.10 Td (damage ) Tj ET Q q 0 0 0 rg BT 216.33 274.10 Td (or ) Tj ET Q q 0 0 0 rg BT 227.16 274.10 Td (interruption ) Tj ET Q q 0 0 0 rg BT 276.87 274.10 Td (from, ) Tj ET Q q 0 0 0 rg BT 301.31 274.10 Td (among ) Tj ET Q q 0 0 0 rg BT 331.03 274.10 Td (other ) Tj ET Q q 0 0 0 rg BT 354.07 274.10 Td (things:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 256.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 256.10 Td (Power loss, computer systems failures and internet, telecommunications or data network failures;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 238.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 238.10 Td (Operator negligence or improper operation by) Tj ET Q q 0 0 0 rg BT 269.45 238.10 Td (, or supervision of, employees;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 220.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 220.10 Td (Physical and electronic loss of data or security breaches, misappropriation and similar events;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 202.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 202.10 Td (Computer viruses;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 184.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 184.10 Td (Intentional acts of vandalism and similar events; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 166.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 166.10 Td (Failures on behalf of third parties from which we license certain of these systems to provide timely) Tj ET Q q 0 0 0 rg BT 481.35 166.10 Td (, quality and regular ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 154.10 Td (access to or maintenance of such systems; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 136.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 136.10 Td (Hurricanes, fires, floods and other natural disasters.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.45 118.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 97.85 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 112.19 118.10 Td (software ) Tj ET Q q 0 0 0 rg BT 148.74 118.10 Td (that ) Tj ET Q q 0 0 0 rg BT 165.86 118.10 Td (we ) Tj ET Q q 0 0 0 rg BT 179.64 118.10 Td (have ) Tj ET Q q 0 0 0 rg BT 200.64 118.10 Td (developed ) Tj ET Q q 0 0 0 rg BT 243.86 118.10 Td (internally ) Tj ET Q q 0 0 0 rg BT 284.30 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 294.20 118.10 Td (use ) Tj ET Q q 0 0 0 rg BT 309.66 118.10 Td (in ) Tj ET Q q 0 0 0 rg BT 319.56 118.10 Td (our ) Tj ET Q q 0 0 0 rg BT 335.01 118.10 Td (daily ) Tj ET Q q 0 0 0 rg BT 357.13 118.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 400.91 118.10 Td (may ) Tj ET Q q 0 0 0 rg BT 420.25 118.10 Td (contain ) Tj ET Q q 0 0 0 rg BT 451.80 118.10 Td (undetected ) Tj ET Q q 0 0 0 rg BT 497.24 118.10 Td (errors ) Tj ET Q q 0 0 0 rg BT 522.68 118.10 Td (that ) Tj ET Q q 0 0 0 rg BT 539.80 118.10 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 74.86 106.10 Td (our ) Tj ET Q q 0 0 0 rg BT 90.83 106.10 Td (network ) Tj ET Q q 0 0 0 rg BT 126.25 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 136.68 106.10 Td (fail ) Tj ET Q q 0 0 0 rg BT 152.65 106.10 Td (or ) Tj ET Q q 0 0 0 rg BT 163.63 106.10 Td (our ) Tj ET Q q 0 0 0 rg BT 179.61 106.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 218.36 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 228.79 106.10 Td (increase. ) Tj ET Q q 0 0 0 rg BT 266.10 106.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 285.98 106.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 314.72 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 325.70 106.10 Td (our ) Tj ET Q q 0 0 0 rg BT 341.68 106.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 370.99 106.10 Td (or ) Tj ET Q q 0 0 0 rg BT 381.96 106.10 Td (licensed ) Tj ET Q q 0 0 0 rg BT 417.38 106.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 451.70 106.10 Td (due ) Tj ET Q q 0 0 0 rg BT 468.78 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 479.21 106.10 Td (any ) Tj ET Q q 0 0 0 rg BT 496.30 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 507.28 106.10 Td (these ) Tj ET Q q 0 0 0 rg BT 530.47 106.10 Td (or ) Tj ET Q q 0 0 0 rg BT 541.45 106.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (causes ) Tj ET Q q 0 0 0 rg BT 79.09 94.10 Td (could ) Tj ET Q q 0 0 0 rg BT 104.30 94.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 129.50 94.10 Td (an ) Tj ET Q q 0 0 0 rg BT 141.93 94.10 Td (interruption ) Tj ET Q q 0 0 0 rg BT 192.14 94.10 Td (in ) Tj ET Q q 0 0 0 rg BT 202.91 94.10 Td (our ) Tj ET Q q 0 0 0 rg BT 219.23 94.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 263.88 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 281.31 94.10 Td (result ) Tj ET Q q 0 0 0 rg BT 306.52 94.10 Td (in ) Tj ET Q q 0 0 0 rg BT 317.29 94.10 Td (reduced ) Tj ET Q q 0 0 0 rg BT 351.93 94.10 Td (net ) Tj ET Q q 0 0 0 rg BT 367.14 94.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 389.58 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 407.01 94.10 Td (results ) Tj ET Q q 0 0 0 rg BT 436.11 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 447.43 94.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 494.36 94.10 Td (Though ) Tj ET Q q 0 0 0 rg BT 528.47 94.10 Td (we ) Tj ET Q q 0 0 0 rg BT 543.12 94.10 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (implemented ) Tj ET Q q 0 0 0 rg BT 103.84 82.10 Td (contingency ) Tj ET Q q 0 0 0 rg BT 154.35 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 170.42 82.10 Td (disaster ) Tj ET Q q 0 0 0 rg BT 202.60 82.10 Td (recovery ) Tj ET Q q 0 0 0 rg BT 239.21 82.10 Td (processes ) Tj ET Q q 0 0 0 rg BT 279.16 82.10 Td (in ) Tj ET Q q 0 0 0 rg BT 288.57 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 302.42 82.10 Td (event ) Tj ET Q q 0 0 0 rg BT 325.71 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 335.67 82.10 Td (one ) Tj ET Q q 0 0 0 rg BT 351.75 82.10 Td (or ) Tj ET Q q 0 0 0 rg BT 361.71 82.10 Td (several ) Tj ET Q q 0 0 0 rg BT 391.66 82.10 Td (technology ) Tj ET Q q 0 0 0 rg BT 437.72 82.10 Td (failures, ) Tj ET Q q 0 0 0 rg BT 471.84 82.10 Td (any ) Tj ET Q q 0 0 0 rg BT 487.92 82.10 Td (unforeseen ) Tj ET Q q 0 0 0 rg BT 533.42 82.10 Td (failure, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (interruption ) Tj ET Q q 0 0 0 rg BT 99.52 70.10 Td (or ) Tj ET Q q 0 0 0 rg BT 110.15 70.10 Td (compromise ) Tj ET Q q 0 0 0 rg BT 161.89 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 172.52 70.10 Td (our ) Tj ET Q q 0 0 0 rg BT 188.16 70.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 222.13 70.10 Td (or ) Tj ET Q q 0 0 0 rg BT 232.77 70.10 Td (our ) Tj ET Q q 0 0 0 rg BT 248.40 70.10 Td (security ) Tj ET Q q 0 0 0 rg BT 282.36 70.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 321.88 70.10 Td (could ) Tj ET Q q 0 0 0 rg BT 346.40 70.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 387.02 70.10 Td (af) Tj ET Q q 0 0 0 rg BT 394.60 70.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 411.89 70.10 Td (our ) Tj ET Q q 0 0 0 rg BT 427.53 70.10 Td (business ) Tj ET Q q 0 0 0 rg BT 463.73 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 480.47 70.10 Td (harm ) Tj ET Q q 0 0 0 rg BT 503.32 70.10 Td (our ) Tj ET Q q 0 0 0 rg BT 518.96 70.10 Td (reputation. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.52 58.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 86.50 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 97.81 58.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 133.57 58.10 Td (failures ) Tj ET Q q 0 0 0 rg BT 166.53 58.10 Td (or ) Tj ET Q q 0 0 0 rg BT 177.84 58.10 Td (interruptions ) Tj ET Q q 0 0 0 rg BT 231.92 58.10 Td (may ) Tj ET Q q 0 0 0 rg BT 252.11 58.10 Td (not ) Tj ET Q q 0 0 0 rg BT 267.87 58.10 Td (be ) Tj ET Q q 0 0 0 rg BT 280.28 58.10 Td (adequately ) Tj ET Q q 0 0 0 rg BT 326.57 58.10 Td (addressed ) Tj ET Q q 0 0 0 rg BT 368.98 58.10 Td (by ) Tj ET Q q 0 0 0 rg BT 381.96 58.10 Td (us ) Tj ET Q q 0 0 0 rg BT 393.82 58.10 Td (or ) Tj ET Q q 0 0 0 rg BT 405.13 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 420.33 58.10 Td (third-parties ) Tj ET Q q 0 0 0 rg BT 472.18 58.10 Td (on ) Tj ET Q q 0 0 0 rg BT 485.15 58.10 Td (which ) Tj ET Q q 0 0 0 rg BT 512.57 58.10 Td (we ) Tj ET Q q 0 0 0 rg BT 527.21 58.10 Td (rely) Tj ET Q q 0 0 0 rg BT 542.10 58.10 Td (, ) Tj ET Q q 0 0 0 rg BT 547.58 58.10 Td (and ) Tj ET Q endstream endobj 55 0 obj <>] /Rotate 0 /Contents 56 0 R>> endobj 56 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (such ) Tj ET Q q 0 0 0 rg BT 70.70 742.10 Td (failures ) Tj ET Q q 0 0 0 rg BT 103.06 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 113.76 742.10 Td (interruptions ) Tj ET Q q 0 0 0 rg BT 167.24 742.10 Td (could ) Tj ET Q q 0 0 0 rg BT 191.83 742.10 Td (occur) Tj ET Q q 0 0 0 rg BT 213.48 742.10 Td (. ) Tj ET Q q 0 0 0 rg BT 218.18 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 236.10 742.10 Td (occurrence ) Tj ET Q q 0 0 0 rg BT 282.33 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 293.03 742.10 Td (any ) Tj ET Q q 0 0 0 rg BT 309.84 742.10 Td (failures ) Tj ET Q q 0 0 0 rg BT 342.20 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 352.90 742.10 Td (interruptions ) Tj ET Q q 0 0 0 rg BT 406.37 742.10 Td (could ) Tj ET Q q 0 0 0 rg BT 430.96 742.10 Td (have ) Tj ET Q q 0 0 0 rg BT 452.21 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 459.02 742.10 Td (material ) Tj ET Q q 0 0 0 rg BT 494.15 742.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 527.06 742.10 Td (ef) Tj ET Q q 0 0 0 rg BT 534.65 742.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 552.01 742.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (us.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 712.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.85 712.10 Td (management ) Tj ET Q q 0 0 0 rg BT 124.36 712.10 Td (information ) Tj ET Q q 0 0 0 rg BT 175.99 712.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 209.28 712.10 Td (may ) Tj ET Q q 0 0 0 rg BT 228.67 712.10 Td (not ) Tj ET Q q 0 0 0 rg BT 244.18 712.10 Td (be ) Tj ET Q q 0 0 0 rg BT 255.80 712.10 Td (adequate ) Tj ET Q q 0 0 0 rg BT 295.19 712.10 Td (to ) Tj ET Q q 0 0 0 rg BT 305.14 712.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 326.75 712.10 Td (our ) Tj ET Q q 0 0 0 rg BT 343.38 712.10 Td (evolving ) Tj ET Q q 0 0 0 rg BT 379.99 712.10 Td (business ) Tj ET Q q 0 0 0 rg BT 417.18 712.10 Td (and ) Tj ET Q q 0 0 0 rg BT 434.92 712.10 Td (emerging ) Tj ET Q q 0 0 0 rg BT 475.98 712.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 520.93 712.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 546.44 712.10 Td (and ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.96 700.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 94.93 700.10 Td (to ) Tj ET Q q 0 0 0 rg BT 104.89 700.10 Td (successfully ) Tj ET Q q 0 0 0 rg BT 156.51 700.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 202.03 700.10 Td (new ) Tj ET Q q 0 0 0 rg BT 220.88 700.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 254.18 700.10 Td (could ) Tj ET Q q 0 0 0 rg BT 279.14 700.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 322.98 700.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 352.93 700.10 Td (our ) Tj ET Q q 0 0 0 rg BT 369.57 700.10 Td (business ) Tj ET Q q 0 0 0 rg BT 406.77 700.10 Td (and ) Tj ET Q q 0 0 0 rg BT 424.52 700.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 463.93 700.10 Td (results.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.66 700.10 Td ( ) Tj ET Q q 0 0 0 rg BT 495.69 700.10 Td (W) Tj ET Q q 0 0 0 rg BT 504.33 700.10 Td (e ) Tj ET Q q 0 0 0 rg BT 510.95 700.10 Td (are ) Tj ET Q q 0 0 0 rg BT 525.34 700.10 Td (investing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 79.14 688.10 Td (in ) Tj ET Q q 0 0 0 rg BT 89.41 688.10 Td (new ) Tj ET Q q 0 0 0 rg BT 108.56 688.10 Td (information ) Tj ET Q q 0 0 0 rg BT 158.27 688.10 Td (technology ) Tj ET Q q 0 0 0 rg BT 205.19 688.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 239.35 688.10 Td (and ) Tj ET Q q 0 0 0 rg BT 256.28 688.10 Td (implementing ) Tj ET Q q 0 0 0 rg BT 314.32 688.10 Td (modifications ) Tj ET Q q 0 0 0 rg BT 371.81 688.10 Td (and ) Tj ET Q q 0 0 0 rg BT 388.74 688.10 Td (upgrades ) Tj ET Q q 0 0 0 rg BT 427.33 688.10 Td (to ) Tj ET Q q 0 0 0 rg BT 437.60 688.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 471.75 688.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 505.91 688.10 Td (to ) Tj ET Q q 0 0 0 rg BT 516.18 688.10 Td (support ) Tj ET Q q 0 0 0 rg BT 548.68 688.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 81.27 676.10 Td (plan. ) Tj ET Q q 0 0 0 rg BT 103.72 676.10 Td (These ) Tj ET Q q 0 0 0 rg BT 130.54 676.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 181.26 676.10 Td (include ) Tj ET Q q 0 0 0 rg BT 213.64 676.10 Td (replacing ) Tj ET Q q 0 0 0 rg BT 253.79 676.10 Td (legacy ) Tj ET Q q 0 0 0 rg BT 282.82 676.10 Td (systems, ) Tj ET Q q 0 0 0 rg BT 319.94 676.10 Td (making ) Tj ET Q q 0 0 0 rg BT 352.88 676.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 388.03 676.10 Td (to ) Tj ET Q q 0 0 0 rg BT 398.75 676.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 433.36 676.10 Td (systems, ) Tj ET Q q 0 0 0 rg BT 470.48 676.10 Td (building ) Tj ET Q q 0 0 0 rg BT 506.75 676.10 Td (redundancies, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.15 664.10 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 105.62 664.10 Td (new ) Tj ET Q q 0 0 0 rg BT 123.98 664.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 157.36 664.10 Td (and ) Tj ET Q q 0 0 0 rg BT 173.50 664.10 Td (hardware ) Tj ET Q q 0 0 0 rg BT 212.41 664.10 Td (with ) Tj ET Q q 0 0 0 rg BT 231.89 664.10 Td (updated ) Tj ET Q q 0 0 0 rg BT 265.25 664.10 Td (functionality) Tj ET Q q 0 0 0 rg BT 315.70 664.10 Td (. ) Tj ET Q q 0 0 0 rg BT 319.79 664.10 Td (W) Tj ET Q q 0 0 0 rg BT 328.42 664.10 Td (e ) Tj ET Q q 0 0 0 rg BT 334.57 664.10 Td (are ) Tj ET Q q 0 0 0 rg BT 348.48 664.10 Td (taking ) Tj ET Q q 0 0 0 rg BT 375.18 664.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 405.22 664.10 Td (to ) Tj ET Q q 0 0 0 rg BT 414.70 664.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 442.51 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 456.43 664.10 Td (successful ) Tj ET Q q 0 0 0 rg BT 499.23 664.10 Td (implementation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.25 652.10 Td (these ) Tj ET Q q 0 0 0 rg BT 82.72 652.10 Td (initiatives, ) Tj ET Q q 0 0 0 rg BT 126.59 652.10 Td (including ) Tj ET Q q 0 0 0 rg BT 166.28 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 180.42 652.10 Td (testing ) Tj ET Q q 0 0 0 rg BT 209.01 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 219.27 652.10 Td (new ) Tj ET Q q 0 0 0 rg BT 237.85 652.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 271.45 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 287.81 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 301.95 652.10 Td (transfer ) Tj ET Q q 0 0 0 rg BT 334.41 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 344.66 652.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 378.25 652.10 Td (data, ) Tj ET Q q 0 0 0 rg BT 399.33 652.10 Td (with ) Tj ET Q q 0 0 0 rg BT 419.03 652.10 Td (minimal ) Tj ET Q q 0 0 0 rg BT 454.29 652.10 Td (disruptions ) Tj ET Q q 0 0 0 rg BT 500.66 652.10 Td (to ) Tj ET Q q 0 0 0 rg BT 510.36 652.10 Td (our ) Tj ET Q q 0 0 0 rg BT 525.62 652.10 Td (business. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (These ) Tj ET Q q 0 0 0 rg BT 75.95 640.10 Td (ef) Tj ET Q q 0 0 0 rg BT 83.54 640.10 Td (forts ) Tj ET Q q 0 0 0 rg BT 103.94 640.10 Td (may ) Tj ET Q q 0 0 0 rg BT 123.23 640.10 Td (take ) Tj ET Q q 0 0 0 rg BT 141.95 640.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 169.57 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 186.08 640.10 Td (may ) Tj ET Q q 0 0 0 rg BT 205.37 640.10 Td (require ) Tj ET Q q 0 0 0 rg BT 235.76 640.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 265.58 640.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 302.64 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 319.15 640.10 Td (other ) Tj ET Q q 0 0 0 rg BT 341.77 640.10 Td (resources ) Tj ET Q q 0 0 0 rg BT 381.60 640.10 Td (than ) Tj ET Q q 0 0 0 rg BT 400.88 640.10 Td (anticipated, ) Tj ET Q q 0 0 0 rg BT 449.32 640.10 Td (may ) Tj ET Q q 0 0 0 rg BT 468.61 640.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 492.89 640.10 Td (distraction ) Tj ET Q q 0 0 0 rg BT 537.17 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 547.58 640.10 Td (key ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (personnel, ) Tj ET Q q 0 0 0 rg BT 94.51 628.10 Td (may ) Tj ET Q q 0 0 0 rg BT 114.86 628.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 140.20 628.10 Td (disruptions ) Tj ET Q q 0 0 0 rg BT 187.78 628.10 Td (to ) Tj ET Q q 0 0 0 rg BT 198.70 628.10 Td (our ) Tj ET Q q 0 0 0 rg BT 215.16 628.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 249.96 628.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 284.76 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 302.33 628.10 Td (our ) Tj ET Q q 0 0 0 rg BT 318.80 628.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 358.32 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 375.90 628.10 Td (may ) Tj ET Q q 0 0 0 rg BT 396.25 628.10 Td (not ) Tj ET Q q 0 0 0 rg BT 412.16 628.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 445.84 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.19 628.10 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 508.19 628.10 Td (benefits. ) Tj ET Q q 0 0 0 rg BT 544.79 628.10 Td (Any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (disruption ) Tj ET Q q 0 0 0 rg BT 93.16 616.10 Td (in ) Tj ET Q q 0 0 0 rg BT 103.54 616.10 Td (our ) Tj ET Q q 0 0 0 rg BT 119.47 616.10 Td (information ) Tj ET Q q 0 0 0 rg BT 169.28 616.10 Td (technology ) Tj ET Q q 0 0 0 rg BT 216.32 616.10 Td (systems, ) Tj ET Q q 0 0 0 rg BT 253.09 616.10 Td (or ) Tj ET Q q 0 0 0 rg BT 264.02 616.10 Td (our ) Tj ET Q q 0 0 0 rg BT 279.95 616.10 Td (inability ) Tj ET Q q 0 0 0 rg BT 315.88 616.10 Td (to ) Tj ET Q q 0 0 0 rg BT 326.26 616.10 Td (improve, ) Tj ET Q q 0 0 0 rg BT 364.69 616.10 Td (upgrade, ) Tj ET Q q 0 0 0 rg BT 402.00 616.10 Td (integrate ) Tj ET Q q 0 0 0 rg BT 439.58 616.10 Td (or ) Tj ET Q q 0 0 0 rg BT 450.51 616.10 Td (expand ) Tj ET Q q 0 0 0 rg BT 481.99 616.10 Td (our ) Tj ET Q q 0 0 0 rg BT 497.92 616.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 532.20 616.10 Td (to ) Tj ET Q q 0 0 0 rg BT 542.58 616.10 Td (meet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.89 604.10 Td (evolving ) Tj ET Q q 0 0 0 rg BT 103.45 604.10 Td (business ) Tj ET Q q 0 0 0 rg BT 139.90 604.10 Td (and ) Tj ET Q q 0 0 0 rg BT 156.90 604.10 Td (emer) Tj ET Q q 0 0 0 rg BT 176.70 604.10 Td (ging ) Tj ET Q q 0 0 0 rg BT 197.04 604.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 240.69 604.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 297.95 604.10 Td (could ) Tj ET Q q 0 0 0 rg BT 322.73 604.10 Td (impair ) Tj ET Q q 0 0 0 rg BT 351.40 604.10 Td (our ) Tj ET Q q 0 0 0 rg BT 367.29 604.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 395.40 604.10 Td (to ) Tj ET Q q 0 0 0 rg BT 405.74 604.10 Td (achieve ) Tj ET Q q 0 0 0 rg BT 438.83 604.10 Td (critical ) Tj ET Q q 0 0 0 rg BT 469.15 604.10 Td (strategic ) Tj ET Q q 0 0 0 rg BT 505.58 604.10 Td (initiatives ) Tj ET Q q 0 0 0 rg BT 547.58 604.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (could ) Tj ET Q q 0 0 0 rg BT 74.72 592.10 Td (have ) Tj ET Q q 0 0 0 rg BT 96.09 592.10 Td (a ) Tj ET Q q 0 0 0 rg BT 103.03 592.10 Td (material ) Tj ET Q q 0 0 0 rg BT 138.29 592.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 171.33 592.10 Td (ef) Tj ET Q q 0 0 0 rg BT 178.92 592.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 196.40 592.10 Td (on ) Tj ET Q q 0 0 0 rg BT 208.90 592.10 Td (us.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 87.74 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 97.71 574.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 136.55 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 153.74 574.10 Td (commission ) Tj ET Q q 0 0 0 rg BT 204.25 574.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 225.87 574.10 Td (on ) Tj ET Q q 0 0 0 rg BT 238.06 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 252.46 574.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 295.20 574.10 Td (products ) Tj ET Q q 0 0 0 rg BT 332.38 574.10 Td (we ) Tj ET Q q 0 0 0 rg BT 345.11 574.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 360.62 574.10 Td (or ) Tj ET Q q 0 0 0 rg BT 371.13 574.10 Td (our ) Tj ET Q q 0 0 0 rg BT 387.21 574.10 Td (inability ) Tj ET Q q 0 0 0 rg BT 422.72 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 432.12 574.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 470.98 574.10 Td (our ) Tj ET Q q 0 0 0 rg BT 487.05 574.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 529.79 574.10 Td (licenses ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 107.27 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 118.43 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 134.02 562.10 Td (states ) Tj ET Q q 0 0 0 rg BT 159.62 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 170.78 562.10 Td (which ) Tj ET Q q 0 0 0 rg BT 198.61 562.10 Td (we ) Tj ET Q q 0 0 0 rg BT 212.53 562.10 Td (operate ) Tj ET Q q 0 0 0 rg BT 245.90 562.10 Td (could ) Tj ET Q q 0 0 0 rg BT 271.50 562.10 Td (have ) Tj ET Q q 0 0 0 rg BT 293.75 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 301.57 562.10 Td (material ) Tj ET Q q 0 0 0 rg BT 338.84 562.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 372.75 562.10 Td (ef) Tj ET Q q 0 0 0 rg BT 380.34 562.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 398.15 562.10 Td (on ) Tj ET Q q 0 0 0 rg BT 411.53 562.10 Td (us.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.98 562.10 Td (W) Tj ET Q q 0 0 0 rg BT 434.62 562.10 Td (e ) Tj ET Q q 0 0 0 rg BT 441.87 562.10 Td (derive ) Tj ET Q q 0 0 0 rg BT 469.68 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 476.94 562.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 521.97 562.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 553.67 562.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (our ) Tj ET Q q 0 0 0 rg BT 66.66 550.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 105.53 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 123.30 550.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 164.39 550.10 Td (income ) Tj ET Q q 0 0 0 rg BT 197.15 550.10 Td (from ) Tj ET Q q 0 0 0 rg BT 219.92 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 235.47 550.10 Td (commissions ) Tj ET Q q 0 0 0 rg BT 291.03 550.10 Td (we ) Tj ET Q q 0 0 0 rg BT 306.02 550.10 Td (earn ) Tj ET Q q 0 0 0 rg BT 326.55 550.10 Td (from ) Tj ET Q q 0 0 0 rg BT 349.32 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 364.87 550.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 383.75 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 395.41 550.10 Td (various ) Tj ET Q q 0 0 0 rg BT 428.17 550.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 469.82 550.10 Td (products ) Tj ET Q q 0 0 0 rg BT 507.59 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 519.25 550.10 Td (third-party ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (insurers ) Tj ET Q q 0 0 0 rg BT 84.36 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 94.83 538.10 Td (our ) Tj ET Q q 0 0 0 rg BT 110.86 538.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 156.41 538.10 Td (These ) Tj ET Q q 0 0 0 rg BT 182.98 538.10 Td (products ) Tj ET Q q 0 0 0 rg BT 220.12 538.10 Td (include ) Tj ET Q q 0 0 0 rg BT 252.25 538.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 277.71 538.10 Td (insurance, ) Tj ET Q q 0 0 0 rg BT 321.22 538.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 347.23 538.10 Td (service ) Tj ET Q q 0 0 0 rg BT 378.24 538.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 426.47 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 443.61 538.10 Td (product ) Tj ET Q q 0 0 0 rg BT 476.85 538.10 Td (replacement ) Tj ET Q q 0 0 0 rg BT 528.41 538.10 Td (policies. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (Most ) Tj ET Q q 0 0 0 rg BT 73.01 526.10 Td (states ) Tj ET Q q 0 0 0 rg BT 97.68 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 114.57 526.10 Td (many ) Tj ET Q q 0 0 0 rg BT 139.24 526.10 Td (local ) Tj ET Q q 0 0 0 rg BT 161.13 526.10 Td (jurisdictions ) Tj ET Q q 0 0 0 rg BT 213.03 526.10 Td (in ) Tj ET Q q 0 0 0 rg BT 223.26 526.10 Td (which ) Tj ET Q q 0 0 0 rg BT 250.15 526.10 Td (we ) Tj ET Q q 0 0 0 rg BT 264.26 526.10 Td (operate ) Tj ET Q q 0 0 0 rg BT 296.14 526.10 Td (require ) Tj ET Q q 0 0 0 rg BT 326.91 526.10 Td (registration ) Tj ET Q q 0 0 0 rg BT 374.90 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 391.79 526.10 Td (licenses ) Tj ET Q q 0 0 0 rg BT 425.90 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 436.13 526.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 452.47 526.10 Td (these ) Tj ET Q q 0 0 0 rg BT 475.47 526.10 Td (products ) Tj ET Q q 0 0 0 rg BT 512.36 526.10 Td (or ) Tj ET Q q 0 0 0 rg BT 523.14 526.10 Td (otherwise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 84.39 514.10 Td (our ) Tj ET Q q 0 0 0 rg BT 100.46 514.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 139.39 514.10 Td (These ) Tj ET Q q 0 0 0 rg BT 166.00 514.10 Td (states ) Tj ET Q q 0 0 0 rg BT 190.96 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 208.13 514.10 Td (local ) Tj ET Q q 0 0 0 rg BT 230.30 514.10 Td (jurisdictions ) Tj ET Q q 0 0 0 rg BT 282.48 514.10 Td (have, ) Tj ET Q q 0 0 0 rg BT 306.60 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 317.11 514.10 Td (many ) Tj ET Q q 0 0 0 rg BT 342.07 514.10 Td (cases, ) Tj ET Q q 0 0 0 rg BT 368.40 514.10 Td (established ) Tj ET Q q 0 0 0 rg BT 415.57 514.10 Td (criteria ) Tj ET Q q 0 0 0 rg BT 446.62 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.57 514.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 503.20 514.10 Td (must ) Tj ET Q q 0 0 0 rg BT 525.38 514.10 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 554.23 514.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (order ) Tj ET Q q 0 0 0 rg BT 73.22 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 83.12 502.10 Td (obtain, ) Tj ET Q q 0 0 0 rg BT 112.74 502.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 149.85 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 166.41 502.10 Td (renew ) Tj ET Q q 0 0 0 rg BT 192.96 502.10 Td (these ) Tj ET Q q 0 0 0 rg BT 215.63 502.10 Td (licenses. ) Tj ET Q q 0 0 0 rg BT 251.90 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 254.03 502.10 Td (For ) Tj ET Q q 0 0 0 rg BT 270.04 502.10 Td (example, ) Tj ET Q q 0 0 0 rg BT 308.53 502.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 337.86 502.10 Td (states ) Tj ET Q q 0 0 0 rg BT 362.19 502.10 Td (or ) Tj ET Q q 0 0 0 rg BT 372.65 502.10 Td (other ) Tj ET Q q 0 0 0 rg BT 395.31 502.10 Td (jurisdictions ) Tj ET Q q 0 0 0 rg BT 446.88 502.10 Td (require ) Tj ET Q q 0 0 0 rg BT 477.32 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 491.66 502.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 532.66 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 542.56 502.10 Td (meet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (or ) Tj ET Q q 0 0 0 rg BT 61.72 490.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 92.86 490.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 123.46 490.10 Td (operational, ) Tj ET Q q 0 0 0 rg BT 174.33 490.10 Td (advertising, ) Tj ET Q q 0 0 0 rg BT 224.65 490.10 Td (disclosure, ) Tj ET Q q 0 0 0 rg BT 271.09 490.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 313.91 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 331.74 490.10 Td (recordkeeping ) Tj ET Q q 0 0 0 rg BT 392.32 490.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 447.91 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 465.74 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 476.91 490.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 515.29 490.10 Td (a ) Tj ET Q q 0 0 0 rg BT 523.12 490.10 Td (minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 82.28 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 92.90 478.10 Td (net ) Tj ET Q q 0 0 0 rg BT 107.41 478.10 Td (worth ) Tj ET Q q 0 0 0 rg BT 133.03 478.10 Td (or ) Tj ET Q q 0 0 0 rg BT 143.65 478.10 Td (equity) Tj ET Q q 0 0 0 rg BT 167.99 478.10 Td (. ) Tj ET Q q 0 0 0 rg BT 172.78 478.10 Td ( ) Tj ET Q q 0 0 0 rg BT 175.07 478.10 Td (From ) Tj ET Q q 0 0 0 rg BT 199.03 478.10 Td (time ) Tj ET Q q 0 0 0 rg BT 219.09 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 229.16 478.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 251.72 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 266.23 478.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 307.40 478.10 Td (is ) Tj ET Q q 0 0 0 rg BT 316.36 478.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 346.98 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 357.04 478.10 Td (audits ) Tj ET Q q 0 0 0 rg BT 383.22 478.10 Td (in ) Tj ET Q q 0 0 0 rg BT 393.29 478.10 Td (these ) Tj ET Q q 0 0 0 rg BT 416.12 478.10 Td (jurisdictions ) Tj ET Q q 0 0 0 rg BT 467.86 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 477.92 478.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 506.31 478.10 Td (it ) Tj ET Q q 0 0 0 rg BT 514.16 478.10 Td (is ) Tj ET Q q 0 0 0 rg BT 523.12 478.10 Td (satisfying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 66.03 466.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 110.93 466.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 166.95 466.10 Td (in ) Tj ET Q q 0 0 0 rg BT 178.54 466.10 Td (order ) Tj ET Q q 0 0 0 rg BT 203.45 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 215.05 466.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 253.85 466.10 Td (these ) Tj ET Q q 0 0 0 rg BT 278.21 466.10 Td (necessary ) Tj ET Q q 0 0 0 rg BT 320.89 466.10 Td (licenses. ) Tj ET Q q 0 0 0 rg BT 358.86 466.10 Td (If, ) Tj ET Q q 0 0 0 rg BT 371.84 466.10 Td (for ) Tj ET Q q 0 0 0 rg BT 387.31 466.10 Td (any ) Tj ET Q q 0 0 0 rg BT 405.56 466.10 Td (reason, ) Tj ET Q q 0 0 0 rg BT 437.98 466.10 Td (we ) Tj ET Q q 0 0 0 rg BT 453.45 466.10 Td (are ) Tj ET Q q 0 0 0 rg BT 469.47 466.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 499.94 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 511.53 466.10 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 541.45 466.10 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 107.00 454.10 Td (we ) Tj ET Q q 0 0 0 rg BT 120.97 454.10 Td (might ) Tj ET Q q 0 0 0 rg BT 146.60 454.10 Td (be ) Tj ET Q q 0 0 0 rg BT 158.34 454.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 187.30 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 197.38 454.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 234.68 454.10 Td (our ) Tj ET Q q 0 0 0 rg BT 250.31 454.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 290.93 454.10 Td (licenses ) Tj ET Q q 0 0 0 rg BT 324.88 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 334.96 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 349.48 454.10 Td (states ) Tj ET Q q 0 0 0 rg BT 374.00 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 390.74 454.10 Td (other ) Tj ET Q q 0 0 0 rg BT 413.59 454.10 Td (jurisdictions ) Tj ET Q q 0 0 0 rg BT 465.34 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 475.42 454.10 Td (which ) Tj ET Q q 0 0 0 rg BT 502.16 454.10 Td (we ) Tj ET Q q 0 0 0 rg BT 516.12 454.10 Td (operate, ) Tj ET Q q 0 0 0 rg BT 550.35 454.10 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (might ) Tj ET Q q 0 0 0 rg BT 75.81 442.10 Td (be ) Tj ET Q q 0 0 0 rg BT 87.72 442.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 118.52 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 128.77 442.10 Td (various ) Tj ET Q q 0 0 0 rg BT 160.68 442.10 Td (fines ) Tj ET Q q 0 0 0 rg BT 182.59 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 199.50 442.10 Td (penalties ) Tj ET Q q 0 0 0 rg BT 237.51 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 248.31 442.10 Td (store ) Tj ET Q q 0 0 0 rg BT 270.22 442.10 Td (closures, ) Tj ET Q q 0 0 0 rg BT 307.97 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 318.77 442.10 Td (our ) Tj ET Q q 0 0 0 rg BT 334.57 442.10 Td (requests ) Tj ET Q q 0 0 0 rg BT 369.81 442.10 Td (for ) Tj ET Q q 0 0 0 rg BT 383.94 442.10 Td (new ) Tj ET Q q 0 0 0 rg BT 403.08 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 413.88 442.10 Td (renewed ) Tj ET Q q 0 0 0 rg BT 450.22 442.10 Td (licenses ) Tj ET Q q 0 0 0 rg BT 484.34 442.10 Td (may ) Tj ET Q q 0 0 0 rg BT 504.03 442.10 Td (be ) Tj ET Q q 0 0 0 rg BT 515.94 442.10 Td (denied, ) Tj ET Q q 0 0 0 rg BT 547.57 442.10 Td (any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.00 430.10 Td (which ) Tj ET Q q 0 0 0 rg BT 88.12 430.10 Td (consequences ) Tj ET Q q 0 0 0 rg BT 145.77 430.10 Td (could ) Tj ET Q q 0 0 0 rg BT 170.66 430.10 Td (have ) Tj ET Q q 0 0 0 rg BT 192.21 430.10 Td (a ) Tj ET Q q 0 0 0 rg BT 199.33 430.10 Td (material ) Tj ET Q q 0 0 0 rg BT 234.76 430.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 267.97 430.10 Td (ef) Tj ET Q q 0 0 0 rg BT 275.56 430.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 293.22 430.10 Td (on ) Tj ET Q q 0 0 0 rg BT 305.89 430.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 319.96 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 322.63 430.10 Td (In ) Tj ET Q q 0 0 0 rg BT 333.64 430.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 371.59 430.10 Td (any ) Tj ET Q q 0 0 0 rg BT 388.70 430.10 Td (material ) Tj ET Q q 0 0 0 rg BT 424.13 430.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 452.91 430.10 Td (or ) Tj ET Q q 0 0 0 rg BT 463.92 430.10 Td (future ) Tj ET Q q 0 0 0 rg BT 490.47 430.10 Td (material ) Tj ET Q q 0 0 0 rg BT 525.90 430.10 Td (litigation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (involving ) Tj ET Q q 0 0 0 rg BT 91.16 418.10 Td (our ) Tj ET Q q 0 0 0 rg BT 107.31 418.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 133.44 418.10 Td (service ) Tj ET Q q 0 0 0 rg BT 164.58 418.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 212.93 418.10 Td (or ) Tj ET Q q 0 0 0 rg BT 224.09 418.10 Td (product ) Tj ET Q q 0 0 0 rg BT 257.45 418.10 Td (replacement ) Tj ET Q q 0 0 0 rg BT 309.13 418.10 Td (policies, ) Tj ET Q q 0 0 0 rg BT 345.56 418.10 Td (or ) Tj ET Q q 0 0 0 rg BT 356.71 418.10 Td (any ) Tj ET Q q 0 0 0 rg BT 373.97 418.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 405.66 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 416.26 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 431.30 418.10 Td (commissions ) Tj ET Q q 0 0 0 rg BT 486.35 418.10 Td (we ) Tj ET Q q 0 0 0 rg BT 500.83 418.10 Td (retain ) Tj ET Q q 0 0 0 rg BT 526.41 418.10 Td (from ) Tj ET Q q 0 0 0 rg BT 548.67 418.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 71.47 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 81.83 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 96.08 406.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 136.42 406.10 Td (products ) Tj ET Q q 0 0 0 rg BT 172.89 406.10 Td (declines, ) Tj ET Q q 0 0 0 rg BT 210.18 406.10 Td (it ) Tj ET Q q 0 0 0 rg BT 217.77 406.10 Td (may ) Tj ET Q q 0 0 0 rg BT 237.02 406.10 Td (have ) Tj ET Q q 0 0 0 rg BT 257.93 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 264.39 406.10 Td (material ) Tj ET Q q 0 0 0 rg BT 299.18 406.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 331.75 406.10 Td (ef) Tj ET Q q 0 0 0 rg BT 339.34 406.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 356.35 406.10 Td (on ) Tj ET Q q 0 0 0 rg BT 368.38 406.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 381.81 406.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 383.84 406.10 Td (Commissions ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 440.33 406.10 Td (earned ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 469.00 406.10 Td (on ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 481.03 406.10 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 496.39 406.10 Td (credit ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 521.19 406.10 Td (insurance, ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 394.10 Td (repair ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 76.21 394.10 Td (service ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 107.42 394.10 Td (agreement ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 151.96 394.10 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 163.18 394.10 Td (product ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 196.62 394.10 Td (replacement ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 248.37 394.10 Td (agreement ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 292.91 394.10 Td (products ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 330.24 394.10 Td (could ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 355.35 394.10 Td (also ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 374.36 394.10 Td (be ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 386.69 394.10 Td (materially ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 430.12 394.10 Td (adversely ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 471.33 394.10 Td (af) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 478.92 394.10 Td (fected ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 506.24 394.10 Td (by ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 519.13 394.10 Td (changes ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 554.23 394.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 382.10 Td (statutory ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 87.50 382.10 Td (premium ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 126.10 382.10 Td (rates, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 149.98 382.10 Td (commission ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 200.81 382.10 Td (rates, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 224.69 382.10 Td (adverse ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 257.72 382.10 Td (claims ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 286.33 382.10 Td (experience ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 332.13 382.10 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 349.07 382.10 Td (other ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 372.11 382.10 Td (factors.) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 50.00 364.10 Td (If ) Tj ET Q q 0 0 0 rg BT 59.92 364.10 Td (we ) Tj ET Q q 0 0 0 rg BT 73.74 364.10 Td (are ) Tj ET Q q 0 0 0 rg BT 89.77 364.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 120.81 364.10 Td (to ) Tj ET Q q 0 0 0 rg BT 131.29 364.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 170.11 364.10 Td (to ) Tj ET Q q 0 0 0 rg BT 180.59 364.10 Td (of) Tj ET Q q 0 0 0 rg BT 188.74 364.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 203.11 364.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 250.26 364.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 277.96 364.10 Td (service ) Tj ET Q q 0 0 0 rg BT 308.98 364.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 358.90 364.10 Td (to ) Tj ET Q q 0 0 0 rg BT 369.38 364.10 Td (our ) Tj ET Q q 0 0 0 rg BT 386.53 364.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 433.41 364.10 Td (we ) Tj ET Q q 0 0 0 rg BT 447.22 364.10 Td (could ) Tj ET Q q 0 0 0 rg BT 472.70 364.10 Td (incur ) Tj ET Q q 0 0 0 rg BT 497.63 364.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 542.01 364.10 Td (costs ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (or ) Tj ET Q q 0 0 0 rg BT 61.99 352.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 90.08 352.10 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 132.34 352.10 Td (which ) Tj ET Q q 0 0 0 rg BT 160.44 352.10 Td (could ) Tj ET Q q 0 0 0 rg BT 186.31 352.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 231.07 352.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 272.48 352.10 Td (af) Tj ET Q q 0 0 0 rg BT 280.63 352.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 298.71 352.10 Td (us.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.16 352.10 Td (There ) Tj ET Q q 0 0 0 rg BT 339.57 352.10 Td (are ) Tj ET Q q 0 0 0 rg BT 354.87 352.10 Td (a ) Tj ET Q q 0 0 0 rg BT 362.41 352.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 393.83 352.10 Td (number ) Tj ET Q q 0 0 0 rg BT 427.47 352.10 Td (of ) Tj ET Q q 0 0 0 rg BT 438.90 352.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 480.31 352.10 Td (carriers ) Tj ET Q q 0 0 0 rg BT 513.38 352.10 Td (that ) Tj ET Q q 0 0 0 rg BT 531.47 352.10 Td (provide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 75.73 340.10 Td (service ) Tj ET Q q 0 0 0 rg BT 106.46 340.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 150.52 340.10 Td (programs. ) Tj ET Q q 0 0 0 rg BT 193.20 340.10 Td (If ) Tj ET Q q 0 0 0 rg BT 202.27 340.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 228.00 340.10 Td (service ) Tj ET Q q 0 0 0 rg BT 258.73 340.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 302.79 340.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 342.97 340.10 Td (become ) Tj ET Q q 0 0 0 rg BT 376.48 340.10 Td (unavailable ) Tj ET Q q 0 0 0 rg BT 424.98 340.10 Td (from ) Tj ET Q q 0 0 0 rg BT 446.84 340.10 Td (our ) Tj ET Q q 0 0 0 rg BT 462.58 340.10 Td (current ) Tj ET Q q 0 0 0 rg BT 493.31 340.10 Td (providers ) Tj ET Q q 0 0 0 rg BT 533.49 340.10 Td (for ) Tj ET Q q 0 0 0 rg BT 547.57 340.10 Td (any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (reason, ) Tj ET Q q 0 0 0 rg BT 81.34 328.10 Td (we ) Tj ET Q q 0 0 0 rg BT 95.74 328.10 Td (may ) Tj ET Q q 0 0 0 rg BT 115.69 328.10 Td (be ) Tj ET Q q 0 0 0 rg BT 127.87 328.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 157.27 328.10 Td (to ) Tj ET Q q 0 0 0 rg BT 167.78 328.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 201.07 328.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 227.12 328.10 Td (service ) Tj ET Q q 0 0 0 rg BT 258.18 328.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 306.45 328.10 Td (to ) Tj ET Q q 0 0 0 rg BT 316.97 328.10 Td (our ) Tj ET Q q 0 0 0 rg BT 333.04 328.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 376.32 328.10 Td (on ) Tj ET Q q 0 0 0 rg BT 389.06 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 404.02 328.10 Td (same ) Tj ET Q q 0 0 0 rg BT 427.30 328.10 Td (or ) Tj ET Q q 0 0 0 rg BT 438.37 328.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 468.89 328.10 Td (terms, ) Tj ET Q q 0 0 0 rg BT 496.34 328.10 Td (or ) Tj ET Q q 0 0 0 rg BT 507.41 328.10 Td (at ) Tj ET Q q 0 0 0 rg BT 517.37 328.10 Td (all. ) Tj ET Q q 0 0 0 rg BT 532.60 328.10 Td (Even ) Tj ET Q q 0 0 0 rg BT 555.89 328.10 Td (if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (we ) Tj ET Q q 0 0 0 rg BT 64.17 316.10 Td (are ) Tj ET Q q 0 0 0 rg BT 78.89 316.10 Td (able ) Tj ET Q q 0 0 0 rg BT 98.06 316.10 Td (to ) Tj ET Q q 0 0 0 rg BT 108.36 316.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 135.86 316.10 Td (a ) Tj ET Q q 0 0 0 rg BT 142.82 316.10 Td (substitute ) Tj ET Q q 0 0 0 rg BT 183.67 316.10 Td (provider) Tj ET Q q 0 0 0 rg BT 217.14 316.10 Td (, ) Tj ET Q q 0 0 0 rg BT 222.16 316.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 250.22 316.10 Td (premiums ) Tj ET Q q 0 0 0 rg BT 292.72 316.10 Td (may ) Tj ET Q q 0 0 0 rg BT 312.46 316.10 Td (be ) Tj ET Q q 0 0 0 rg BT 324.41 316.10 Td (required, ) Tj ET Q q 0 0 0 rg BT 362.74 316.10 Td (which ) Tj ET Q q 0 0 0 rg BT 389.69 316.10 Td (could ) Tj ET Q q 0 0 0 rg BT 414.42 316.10 Td (have ) Tj ET Q q 0 0 0 rg BT 435.81 316.10 Td (a ) Tj ET Q q 0 0 0 rg BT 442.76 316.10 Td (material ) Tj ET Q q 0 0 0 rg BT 478.03 316.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 511.08 316.10 Td (ef) Tj ET Q q 0 0 0 rg BT 518.67 316.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 536.17 316.10 Td (on ) Tj ET Q q 0 0 0 rg BT 548.69 316.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (profitability ) Tj ET Q q 0 0 0 rg BT 100.40 304.10 Td (if ) Tj ET Q q 0 0 0 rg BT 109.14 304.10 Td (we ) Tj ET Q q 0 0 0 rg BT 123.43 304.10 Td (are ) Tj ET Q q 0 0 0 rg BT 138.26 304.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 167.55 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 177.95 304.10 Td (pass ) Tj ET Q q 0 0 0 rg BT 197.81 304.10 Td (along ) Tj ET Q q 0 0 0 rg BT 222.65 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 237.50 304.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 277.88 304.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 296.62 304.10 Td (of ) Tj ET Q q 0 0 0 rg BT 307.58 304.10 Td (such ) Tj ET Q q 0 0 0 rg BT 328.54 304.10 Td (coverage ) Tj ET Q q 0 0 0 rg BT 367.25 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 377.66 304.10 Td (our ) Tj ET Q q 0 0 0 rg BT 393.62 304.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 439.29 304.10 Td (Inability ) Tj ET Q q 0 0 0 rg BT 475.81 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 486.21 304.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 523.83 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 538.68 304.10 Td (repair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (service ) Tj ET Q q 0 0 0 rg BT 80.93 292.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 125.18 292.10 Td (program ) Tj ET Q q 0 0 0 rg BT 161.67 292.10 Td (could ) Tj ET Q q 0 0 0 rg BT 186.50 292.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 211.33 292.10 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 261.15 292.10 Td (in ) Tj ET Q q 0 0 0 rg BT 271.54 292.10 Td (our ) Tj ET Q q 0 0 0 rg BT 287.49 292.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 313.42 292.10 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 354.63 292.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 384.45 292.10 Td (our ) Tj ET Q q 0 0 0 rg BT 400.40 292.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 425.78 292.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 463.38 292.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 492.39 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 509.44 292.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 534.26 292.10 Td (greater ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (volatility ) Tj ET Q q 0 0 0 rg BT 88.61 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 99.44 280.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 135.82 280.10 Td (and ) Tj ET Q q 0 0 0 rg BT 152.75 280.10 Td (could ) Tj ET Q q 0 0 0 rg BT 177.47 280.10 Td (require ) Tj ET Q q 0 0 0 rg BT 208.29 280.10 Td (us ) Tj ET Q q 0 0 0 rg BT 219.68 280.10 Td (to ) Tj ET Q q 0 0 0 rg BT 229.96 280.10 Td (become ) Tj ET Q q 0 0 0 rg BT 263.55 280.10 Td (the ) Tj ET Q q 0 0 0 rg BT 278.27 280.10 Td (obligor ) Tj ET Q q 0 0 0 rg BT 309.65 280.10 Td (under ) Tj ET Q q 0 0 0 rg BT 334.92 280.10 Td (new ) Tj ET Q q 0 0 0 rg BT 354.08 280.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 392.68 280.10 Td (we ) Tj ET Q q 0 0 0 rg BT 406.84 280.10 Td (sell.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (If ) Tj ET Q q 0 0 0 rg BT 60.59 262.10 Td (we ) Tj ET Q q 0 0 0 rg BT 75.08 262.10 Td (are ) Tj ET Q q 0 0 0 rg BT 91.78 262.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 123.49 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 134.64 262.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 175.25 262.10 Td (group ) Tj ET Q q 0 0 0 rg BT 203.08 262.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 229.78 262.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 274.27 262.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 308.75 262.10 Td (from ) Tj ET Q q 0 0 0 rg BT 332.12 262.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 376.62 262.10 Td (carriers, ) Tj ET Q q 0 0 0 rg BT 414.71 262.10 Td (which ) Tj ET Q q 0 0 0 rg BT 443.10 262.10 Td (allow ) Tj ET Q q 0 0 0 rg BT 468.70 262.10 Td (us ) Tj ET Q q 0 0 0 rg BT 481.52 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 492.67 262.10 Td (of) Tj ET Q q 0 0 0 rg BT 500.82 262.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 515.86 262.10 Td (their ) Tj ET Q q 0 0 0 rg BT 538.68 262.10 Td (credit ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 93.35 250.10 Td (products ) Tj ET Q q 0 0 0 rg BT 131.13 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 141.13 250.10 Td (our ) Tj ET Q q 0 0 0 rg BT 157.81 250.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 201.70 250.10 Td (purchasing ) Tj ET Q q 0 0 0 rg BT 250.61 250.10 Td (our ) Tj ET Q q 0 0 0 rg BT 267.29 250.10 Td (merchandise ) Tj ET Q q 0 0 0 rg BT 322.29 250.10 Td (on ) Tj ET Q q 0 0 0 rg BT 335.07 250.10 Td (credit, ) Tj ET Q q 0 0 0 rg BT 363.12 250.10 Td (our ) Tj ET Q q 0 0 0 rg BT 379.80 250.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 418.68 250.10 Td (may ) Tj ET Q q 0 0 0 rg BT 438.12 250.10 Td (be ) Tj ET Q q 0 0 0 rg BT 449.78 250.10 Td (reduced ) Tj ET Q q 0 0 0 rg BT 484.77 250.10 Td (or ) Tj ET Q q 0 0 0 rg BT 495.89 250.10 Td (our ) Tj ET Q q 0 0 0 rg BT 512.56 250.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 538.11 250.10 Td (losses ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (may ) Tj ET Q q 0 0 0 rg BT 69.77 238.10 Td (increase.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.71 238.10 Td () Tj ET Q q 0 0 0 rg BT 109.03 238.10 Td (There ) Tj ET Q q 0 0 0 rg BT 134.90 238.10 Td (are ) Tj ET Q q 0 0 0 rg BT 149.67 238.10 Td (a ) Tj ET Q q 0 0 0 rg BT 156.66 238.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 187.55 238.10 Td (number ) Tj ET Q q 0 0 0 rg BT 220.65 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 231.54 238.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 272.41 238.10 Td (carriers ) Tj ET Q q 0 0 0 rg BT 304.94 238.10 Td (that ) Tj ET Q q 0 0 0 rg BT 322.49 238.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 355.59 238.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 380.91 238.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 421.78 238.10 Td (coverage ) Tj ET Q q 0 0 0 rg BT 460.42 238.10 Td (for ) Tj ET Q q 0 0 0 rg BT 474.64 238.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 492.74 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 503.08 238.10 Td (our ) Tj ET Q q 0 0 0 rg BT 518.96 238.10 Td (customers. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (If ) Tj ET Q q 0 0 0 rg BT 58.61 226.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 83.33 226.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 123.60 226.10 Td (becomes ) Tj ET Q q 0 0 0 rg BT 160.53 226.10 Td (unavailable ) Tj ET Q q 0 0 0 rg BT 208.57 226.10 Td (for ) Tj ET Q q 0 0 0 rg BT 222.19 226.10 Td (any ) Tj ET Q q 0 0 0 rg BT 238.58 226.10 Td (reason ) Tj ET Q q 0 0 0 rg BT 266.63 226.10 Td (we ) Tj ET Q q 0 0 0 rg BT 280.24 226.10 Td (may ) Tj ET Q q 0 0 0 rg BT 299.41 226.10 Td (be ) Tj ET Q q 0 0 0 rg BT 310.80 226.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 339.41 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 349.14 226.10 Td (of) Tj ET Q q 0 0 0 rg BT 357.29 226.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 370.34 226.10 Td (substitute ) Tj ET Q q 0 0 0 rg BT 410.63 226.10 Td (coverage ) Tj ET Q q 0 0 0 rg BT 448.66 226.10 Td (on ) Tj ET Q q 0 0 0 rg BT 460.61 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.78 226.10 Td (same ) Tj ET Q q 0 0 0 rg BT 497.28 226.10 Td (or ) Tj ET Q q 0 0 0 rg BT 507.56 226.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 537.29 226.10 Td (terms, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (or ) Tj ET Q q 0 0 0 rg BT 61.61 214.10 Td (at ) Tj ET Q q 0 0 0 rg BT 72.11 214.10 Td (all. ) Tj ET Q q 0 0 0 rg BT 87.88 214.10 Td (Even ) Tj ET Q q 0 0 0 rg BT 111.71 214.10 Td (if ) Tj ET Q q 0 0 0 rg BT 121.10 214.10 Td (we ) Tj ET Q q 0 0 0 rg BT 136.04 214.10 Td (are ) Tj ET Q q 0 0 0 rg BT 151.53 214.10 Td (able ) Tj ET Q q 0 0 0 rg BT 171.46 214.10 Td (to ) Tj ET Q q 0 0 0 rg BT 182.52 214.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 210.80 214.10 Td (substitute ) Tj ET Q q 0 0 0 rg BT 252.41 214.10 Td (coverage, ) Tj ET Q q 0 0 0 rg BT 294.28 214.10 Td (it ) Tj ET Q q 0 0 0 rg BT 303.11 214.10 Td (may ) Tj ET Q q 0 0 0 rg BT 323.61 214.10 Td (be ) Tj ET Q q 0 0 0 rg BT 336.33 214.10 Td (at ) Tj ET Q q 0 0 0 rg BT 346.83 214.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 375.65 214.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 397.81 214.10 Td (or ) Tj ET Q q 0 0 0 rg BT 409.42 214.10 Td (reduced ) Tj ET Q q 0 0 0 rg BT 444.35 214.10 Td (coverage, ) Tj ET Q q 0 0 0 rg BT 486.21 214.10 Td (which ) Tj ET Q q 0 0 0 rg BT 513.93 214.10 Td (could ) Tj ET Q q 0 0 0 rg BT 539.43 214.10 Td (af) Tj ET Q q 0 0 0 rg BT 547.01 214.10 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 89.16 202.10 Td (acceptance ) Tj ET Q q 0 0 0 rg BT 135.50 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 146.33 202.10 Td (these ) Tj ET Q q 0 0 0 rg BT 169.38 202.10 Td (products, ) Tj ET Q q 0 0 0 rg BT 208.82 202.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 237.96 202.10 Td (our ) Tj ET Q q 0 0 0 rg BT 253.79 202.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 291.83 202.10 Td (or ) Tj ET Q q 0 0 0 rg BT 302.66 202.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 337.92 202.10 Td (our ) Tj ET Q q 0 0 0 rg BT 353.75 202.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 379.01 202.10 Td (losses.) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 184.10 Td (Changes ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 88.15 184.10 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 98.52 184.10 Td (trade ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 121.66 184.10 Td (regulations, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 172.87 184.10 Td (currency ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 211.56 184.10 Td (exchange ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 253.02 184.10 Td (rate ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 271.16 184.10 Td (fluctuations ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 322.65 184.10 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 340.24 184.10 Td (other ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 363.94 184.10 Td (factors ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 394.29 184.10 Td (beyond ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 425.76 184.10 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 442.24 184.10 Td (control ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 473.72 184.10 Td (could ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 498.53 184.10 Td (adversely ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 538.87 184.10 Td (af) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 547.02 184.10 Td (fect ) Tj ET Q BT /F4 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 172.10 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 67.26 172.10 Td (business. ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 107.57 172.10 Td (A) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 114.24 172.10 Td ( ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 117.05 172.10 Td (significant ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 162.06 172.10 Td (portion ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 193.75 172.10 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 204.88 172.10 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 221.02 172.10 Td (inventory ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 262.14 172.10 Td (is ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 271.62 172.10 Td (manufactured ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 329.39 172.10 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 340.52 172.10 Td (assembled ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 384.98 172.10 Td (overseas ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 422.21 172.10 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 432.17 172.10 Td (Asia ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 453.31 172.10 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 470.55 172.10 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 481.13 172.10 Td (Mexico. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 516.98 172.10 Td (Changes ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 554.22 172.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 160.10 Td (trade ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 72.46 160.10 Td (regulations, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 121.87 160.10 Td (currency ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 159.33 160.10 Td (fluctuations, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 211.51 160.10 Td (border ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 240.09 160.10 Td (taxes, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 265.61 160.10 Td (import ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 294.76 160.10 Td (tarif) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 311.23 160.10 Td (fs, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 323.43 160.10 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 334.24 160.10 Td (other ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 357.26 160.10 Td (factors ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 386.94 160.10 Td (beyond ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 418.86 160.10 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 434.67 160.10 Td (control ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 465.47 160.10 Td (may ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 485.16 160.10 Td (increase ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 520.39 160.10 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 535.09 160.10 Td (cost ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 553.67 160.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 148.10 Td (items ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 75.25 148.10 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 90.49 148.10 Td (purchase ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 129.61 148.10 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 141.52 148.10 Td (create ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 168.96 148.10 Td (shortages ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 210.31 148.10 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 222.22 148.10 Td (these ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 246.35 148.10 Td (items, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 274.10 148.10 Td (which ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 302.12 148.10 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 313.48 148.10 Td (turn ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 333.17 148.10 Td (could ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 358.97 148.10 Td (have ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 381.43 148.10 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 389.45 148.10 Td (material ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 425.79 148.10 Td (adverse ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 459.90 148.10 Td (ef) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 467.49 148.10 Td (fect ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 486.06 148.10 Td (on ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 499.64 148.10 Td (us. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 514.61 148.10 Td (Conversely) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 559.51 148.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 136.10 Td (significant ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 95.59 136.10 Td (reductions ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 140.63 136.10 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 151.79 136.10 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 167.39 136.10 Td (cost ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 186.88 136.10 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 198.60 136.10 Td (these ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 222.53 136.10 Td (items ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 247.58 136.10 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 258.74 136.10 Td (U.S. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 279.90 136.10 Td (dollars ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 310.50 136.10 Td (may ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 331.10 136.10 Td (cause ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 356.69 136.10 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 364.51 136.10 Td (significant ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 410.11 136.10 Td (reduction ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 451.25 136.10 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 462.42 136.10 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 478.01 136.10 Td (retail ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 501.94 136.10 Td (prices ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 529.20 136.10 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 540.91 136.10 Td (those ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 124.10 Td (products, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 89.44 124.10 Td (resulting ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 126.93 124.10 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 137.21 124.10 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 144.15 124.10 Td (material ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 179.41 124.10 Td (adverse ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 212.45 124.10 Td (ef) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 220.03 124.10 Td (fect ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 237.52 124.10 Td (on ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 250.02 124.10 Td (us. ) Tj ET Q endstream endobj 57 0 obj <>] /Rotate 0 /Contents 58 0 R>> endobj 58 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (27) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 742.25 Td (Our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 69.47 742.25 Td (costs ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 92.26 742.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 102.84 742.25 Td (protect ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 133.96 742.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 151.20 742.25 Td (intellectual ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 200.11 742.25 Td (property ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 237.34 742.25 Td (rights, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 266.54 742.25 Td (infringement ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 323.23 742.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 334.35 742.25 Td (which ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 362.15 742.25 Td (could ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 387.73 742.25 Td (impair ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 417.75 742.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 435.00 742.25 Td (name ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 460.57 742.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 478.92 742.25 Td (reputation, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 527.01 742.25 Td (could ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 552.58 742.25 Td (be ) Tj ET Q BT /F4 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 730.25 Td (significant. ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 98.87 730.25 Td (W) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 107.51 730.25 Td (e ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 114.42 730.25 Td (believe ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 145.76 730.25 Td (that ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 163.23 730.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 179.03 730.25 Td (success ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 211.49 730.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 228.40 730.25 Td (ability ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 256.43 730.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 266.68 730.25 Td (compete ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 303.02 730.25 Td (depends ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 338.26 730.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 348.51 730.25 Td (part ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 366.53 730.25 Td (on ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 379.00 730.25 Td (consumer ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 420.35 730.25 Td (identification ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 476.14 730.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 486.94 730.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 501.63 730.25 Td (name ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 525.76 730.25 Td (Conn's ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 718.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 67.30 718.25 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 81.83 718.25 Td (rely ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 100.24 718.25 Td (on ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 113.11 718.25 Td (certain ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 143.18 718.25 Td (trademark ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 186.58 718.25 Td (registrations ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 238.88 718.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 256.18 718.25 Td (common ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 294.04 718.25 Td (law ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 311.35 718.25 Td (rights ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 336.99 718.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 347.64 718.25 Td (protect ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 378.27 718.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 393.35 718.25 Td (distinctiveness ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 455.10 718.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 466.29 718.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 482.49 718.25 Td (brand. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 510.42 718.25 Td (W) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 519.06 718.25 Td (e ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 526.36 718.25 Td (intend ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 554.22 718.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 706.25 Td (protect ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 81.14 706.25 Td (vigorously ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 127.29 706.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 144.00 706.25 Td (trademarks ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 191.80 706.25 Td (against ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 223.50 706.25 Td (infringement, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 281.02 706.25 Td (misappropriation ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 352.72 706.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 364.43 706.25 Td (dilution ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 398.91 706.25 Td (by ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 412.29 706.25 Td (others. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 441.86 706.25 Td (A) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 448.53 706.25 Td ( ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 451.90 706.25 Td (third-party) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 494.02 706.25 Td (, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 499.89 706.25 Td (however) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 533.92 706.25 Td (, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 539.80 706.25 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 694.25 Td (attempt ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 83.08 694.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 93.94 694.25 Td (misappropriate ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 157.01 694.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 173.42 694.25 Td (intellectual ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 220.93 694.25 Td (property ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 257.90 694.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 269.31 694.25 Td (claim ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 294.61 694.25 Td (that ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 312.69 694.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 329.11 694.25 Td (intellectual ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 376.62 694.25 Td (property ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 413.58 694.25 Td (infringes ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 452.21 694.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 463.63 694.25 Td (otherwise ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 505.59 694.25 Td (violates ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 539.78 694.25 Td (third-) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 682.25 Td (party ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 72.76 682.25 Td (trademarks ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 119.40 682.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 129.39 682.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 143.82 682.25 Td (future. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 171.93 682.25 Td (Any ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 191.36 682.25 Td (litigation ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 229.68 682.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 240.23 682.25 Td (claims ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 268.55 682.25 Td (relating ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 301.30 682.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 311.30 682.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 326.84 682.25 Td (intellectual ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 373.48 682.25 Td (property ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 409.57 682.25 Td (brought ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 442.89 682.25 Td (by ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 455.11 682.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 465.65 682.25 Td (against ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 496.19 682.25 Td (us, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 509.80 682.25 Td (whether ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 544.22 682.25 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 670.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 60.84 670.25 Td (without ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 93.90 670.25 Td (merit, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 120.02 670.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 130.86 670.25 Td (whether ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 165.57 670.25 Td (successful ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 209.18 670.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 220.02 670.25 Td (not, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 237.80 670.25 Td (could ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 262.53 670.25 Td (result ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 287.26 670.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 297.54 670.25 Td (substantial ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 342.83 670.25 Td (costs ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 365.33 670.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 382.28 670.25 Td (diversion ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 422.01 670.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 432.85 670.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 448.68 670.25 Td (resources, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 491.45 670.25 Td (which ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 518.40 670.25 Td (could ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 543.13 670.25 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 658.25 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 56.94 658.25 Td (material ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 92.20 658.25 Td (adverse ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 125.23 658.25 Td (ef) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 132.82 658.25 Td (fect ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 150.31 658.25 Td (on ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 162.81 658.25 Td (us.) Tj ET Q BT /F4 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 640.25 Td (Failure ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 83.50 640.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 93.67 640.25 Td (protect ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 124.38 640.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 139.54 640.25 Td (security ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 174.14 640.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 184.86 640.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 201.70 640.25 Td (customer's ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 248.53 640.25 Td (information ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 300.37 640.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 311.65 640.25 Td (failure ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 341.81 640.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 351.98 640.25 Td (comply ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 383.80 640.25 Td (with ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 403.97 640.25 Td (data ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 424.13 640.25 Td (privacy ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 456.50 640.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 474.45 640.25 Td (protection ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 518.50 640.25 Td (laws ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 539.23 640.25 Td (could ) Tj ET Q BT /F4 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 628.25 Td (expose ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 80.66 628.25 Td (us ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 93.00 628.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 103.67 628.25 Td (litigation, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 146.29 628.25 Td (compromise ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 199.17 628.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 214.84 628.25 Td (integrity ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 252.18 628.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 263.40 628.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 280.74 628.25 Td (products, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 321.69 628.25 Td (damage ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 356.80 628.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 374.14 628.25 Td (reputation ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 419.82 628.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 438.27 628.25 Td (materially ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 482.82 628.25 Td (adversely ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 524.02 628.25 Td (af) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 532.17 628.25 Td (fect ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 550.05 628.25 Td (us. ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 616.25 Td (Our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 68.60 616.25 Td (business ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 105.54 616.25 Td (regularly ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 144.68 616.25 Td (captures, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 183.55 616.25 Td (collects, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 219.64 616.25 Td (handles, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 255.73 616.25 Td (processes, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 299.60 616.25 Td (transmits ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 339.31 616.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 356.80 616.25 Td (stores ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 383.18 616.25 Td (significant ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 428.44 616.25 Td (amounts ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 465.37 616.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 476.75 616.25 Td (sensitive ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 514.80 616.25 Td (information ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 604.25 Td (about ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 76.32 604.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 93.76 604.25 Td (customers, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 140.91 604.25 Td (employees ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 187.78 604.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 206.33 604.25 Td (others, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 237.37 604.25 Td (including ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 279.25 604.25 Td (financial ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 318.34 604.25 Td (records, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 354.37 604.25 Td (credit ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 381.24 604.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 399.78 604.25 Td (business ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 437.78 604.25 Td (information, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 491.60 604.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 510.14 604.25 Td (certain ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 541.45 604.25 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 592.25 Td (personally ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 94.55 592.25 Td (identifiable ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 142.98 592.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 154.20 592.25 Td (other ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 177.64 592.25 Td (sensitive ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 215.52 592.25 Td (personal ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 252.29 592.25 Td (information. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 304.26 592.25 Td (A) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 310.93 592.25 Td ( ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 313.82 592.25 Td (number ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 347.26 592.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 358.48 592.25 Td (other ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 381.92 592.25 Td (retailers ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 417.02 592.25 Td (have ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 438.78 592.25 Td (experienced ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 489.98 592.25 Td (security ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 524.52 592.25 Td (breaches, ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 580.25 Td (including ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 91.10 580.25 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 98.87 580.25 Td (number ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 132.75 580.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 144.41 580.25 Td (highly ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 173.29 580.25 Td (publicized ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 218.27 580.25 Td (incidents ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 257.70 580.25 Td (involving ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 299.37 580.25 Td (well-known ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 350.46 580.25 Td (retailers. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 388.26 580.25 Td (T) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 393.67 580.25 Td (o ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 401.99 580.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 418.65 580.25 Td (knowledge, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 468.36 580.25 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 483.35 580.25 Td (have ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 505.56 580.25 Td (not ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 521.66 580.25 Td (suf) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 533.70 580.25 Td (fered ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 557.57 580.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 568.25 Td (significant ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 94.62 568.25 Td (security ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 128.69 568.25 Td (breach. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 160.24 568.25 Td (In ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 170.98 568.25 Td (addition, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 208.66 568.25 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 222.73 568.25 Td (rely ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 240.69 568.25 Td (on ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 253.10 568.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 267.73 568.25 Td (secure ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 295.67 568.25 Td (operation ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 335.85 568.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 346.59 568.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 362.33 568.25 Td (website, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 397.78 568.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 412.41 568.25 Td (internet ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 445.36 568.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 462.21 568.25 Td (other ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 485.17 568.25 Td (third-party ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 530.34 568.25 Td (systems ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 556.25 Td (generally ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 89.84 556.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 100.26 556.25 Td (assist ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 124.58 556.25 Td (us ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 136.11 556.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 146.53 556.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 161.39 556.25 Td (collection ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 203.46 556.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 220.54 556.25 Td (transmission ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 273.74 556.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 284.71 556.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 299.57 556.25 Td (sensitive ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 337.20 556.25 Td (data ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 356.50 556.25 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 370.80 556.25 Td (collect. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 402.59 556.25 Td (Our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 420.79 556.25 Td (information ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 470.64 556.25 Td (systems ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 504.95 556.25 Td (are ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 519.80 556.25 Td (vulnerable ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 544.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 60.61 544.25 Td (damage ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 94.54 544.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 105.70 544.25 Td (interruption ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 155.75 544.25 Td (from ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 178.02 544.25 Td (power ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 205.84 544.25 Td (outages, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 241.72 544.25 Td (computer ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 282.32 544.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 299.59 544.25 Td (telecommunications ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 382.96 544.25 Td (failures, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 418.28 544.25 Td (computer ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 458.88 544.25 Td (viruses, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 492.54 544.25 Td (security ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 527.03 544.25 Td (breaches ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 532.25 Td (\(including ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 93.79 532.25 Td (credit ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 119.24 532.25 Td (card ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 139.13 532.25 Td (information ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 189.03 532.25 Td (breaches\), ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 232.52 532.25 Td (vandalism, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 278.81 532.25 Td (catastrophic ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 329.80 532.25 Td (events ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 358.04 532.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 375.16 532.25 Td (human ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 405.06 532.25 Td (error ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 427.18 532.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 438.19 532.25 Td (malfeasance. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 492.20 532.25 Td (A) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 498.87 532.25 Td ( ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 501.55 532.25 Td (compromise ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 553.67 532.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 520.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 66.02 520.25 Td (information ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 115.92 520.25 Td (security ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 150.27 520.25 Td (controls ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 185.18 520.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 196.20 520.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 207.22 520.25 Td (those ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 231.02 520.25 Td (businesses ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 275.93 520.25 Td (with ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 296.40 520.25 Td (which ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 323.53 520.25 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 337.88 520.25 Td (interact, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 373.05 520.25 Td (which ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 400.18 520.25 Td (results ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 428.97 520.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 439.44 520.25 Td (confidential ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 489.89 520.25 Td (information ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 539.79 520.25 Td (being ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 508.25 Td (accessed, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 89.45 508.25 Td (obtained, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 128.35 508.25 Td (damaged, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 168.92 508.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 179.22 508.25 Td (used ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 199.52 508.25 Td (by ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 211.49 508.25 Td (unauthorized ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 265.67 508.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 275.97 508.25 Td (improper ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 314.60 508.25 Td (persons, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 349.62 508.25 Td (could ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 373.81 508.25 Td (harm ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 396.33 508.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 411.63 508.25 Td (reputation ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 454.14 508.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 470.55 508.25 Td (expose ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 500.29 508.25 Td (us ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 511.16 508.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 520.91 508.25 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 496.25 Td (actions ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 80.85 496.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 97.82 496.25 Td (claims ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 126.45 496.25 Td (from ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 148.42 496.25 Td (customers ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 191.49 496.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 208.46 496.25 Td (clients, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 239.59 496.25 Td (financial ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 277.10 496.25 Td (institutions, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 326.58 496.25 Td (payment ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 363.54 496.25 Td (card ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 383.28 496.25 Td (associations ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 434.13 496.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 451.10 496.25 Td (other ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 474.18 496.25 Td (persons, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 509.76 496.25 Td (any ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 526.72 496.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 537.58 496.25 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 484.25 Td (could ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 74.74 484.25 Td (materially ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 117.79 484.25 Td (adversely ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 158.63 484.25 Td (af) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 166.21 484.25 Td (fect ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 183.72 484.25 Td (us. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 197.63 484.25 Td (Moreover) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 236.66 484.25 Td (, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 241.67 484.25 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 248.63 484.25 Td (data ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 267.80 484.25 Td (security ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 301.98 484.25 Td (breach ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 331.14 484.25 Td (could ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 355.88 484.25 Td (require ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 386.71 484.25 Td (that ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 404.23 484.25 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 418.40 484.25 Td (expend ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 449.80 484.25 Td (significant ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 494.53 484.25 Td (resources ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 534.81 484.25 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 472.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 61.09 472.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 77.73 472.25 Td (information ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 128.26 472.25 Td (systems ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 163.24 472.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 180.99 472.25 Td (infrastructure, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 240.66 472.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 258.41 472.25 Td (could ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 283.94 472.25 Td (distract ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 316.69 472.25 Td (management ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 371.09 472.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 388.84 472.25 Td (other ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 412.70 472.25 Td (key ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 430.45 472.25 Td (personnel ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 472.64 472.25 Td (from ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 495.39 472.25 Td (performing ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 543.69 472.25 Td (their ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 460.25 Td (primary ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 84.32 460.25 Td (operational ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 131.96 460.25 Td (duties. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 161.00 460.25 Td (If ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 170.32 460.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 186.31 460.25 Td (information ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 236.19 460.25 Td (systems ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 270.52 460.25 Td (are ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 285.38 460.25 Td (damaged, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 326.64 460.25 Td (fail ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 342.62 460.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 353.06 460.25 Td (work ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 376.27 460.25 Td (properly ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 412.81 460.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 423.80 460.25 Td (otherwise ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 465.34 460.25 Td (become ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 499.09 460.25 Td (unavailable, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 550.34 460.25 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 448.25 Td (may ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 70.15 448.25 Td (incur ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 93.62 448.25 Td (substantial ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 139.32 448.25 Td (costs ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 162.25 448.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 172.96 448.25 Td (repair ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 199.20 448.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 210.46 448.25 Td (replace ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 242.25 448.25 Td (them, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 267.68 448.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 285.04 448.25 Td (may ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 305.19 448.25 Td (experience ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 351.42 448.25 Td (loss ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 369.91 448.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 381.17 448.25 Td (critical ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 411.86 448.25 Td (information, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 464.50 448.25 Td (customer ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 504.08 448.25 Td (disruption ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 547.57 448.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 436.25 Td (interruptions ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 104.63 436.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 116.48 436.25 Td (delays ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 145.55 436.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 156.86 436.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 173.71 436.25 Td (ability ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 202.79 436.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 214.09 436.25 Td (perform ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 249.82 436.25 Td (essential ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 287.78 436.25 Td (functions ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 328.52 436.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 346.48 436.25 Td (implement ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 392.78 436.25 Td (new ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 412.96 436.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 430.92 436.25 Td (innovative ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 476.66 436.25 Td (services. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 514.89 436.25 Td (In ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 526.75 436.25 Td (addition, ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 424.25 Td (compliance ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 97.45 424.25 Td (with ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 116.58 424.25 Td (changes ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 150.14 424.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 159.28 424.25 Td (privacy ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 190.62 424.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 206.42 424.25 Td (information ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 254.98 424.25 Td (security ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 288.00 424.25 Td (laws ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 307.68 424.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 323.48 424.25 Td (standards ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 362.60 424.25 Td (may ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 381.17 424.25 Td (result ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 404.75 424.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 413.88 424.25 Td (considerable ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 465.77 424.25 Td (expense ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 499.33 424.25 Td (due ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 515.13 424.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 524.26 424.25 Td (increased ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 412.25 Td (investment ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 96.38 412.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 106.66 412.25 Td (technology ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 153.59 412.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 170.53 412.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 185.25 412.25 Td (development ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 239.40 412.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 250.23 412.25 Td (new ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 269.39 412.25 Td (operational ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 316.87 412.25 Td (processes.) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 394.25 Td (W) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 58.64 394.25 Td (e ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 65.35 394.25 Td (maintain ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 102.62 394.25 Td (data ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 121.55 394.25 Td (breach ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 150.47 394.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 167.19 394.25 Td (network ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 202.24 394.25 Td (security ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 236.17 394.25 Td (liability ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 269.55 394.25 Td (insurance, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 312.65 394.25 Td (but ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 327.70 394.25 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 341.64 394.25 Td (cannot ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 370.57 394.25 Td (be ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 382.28 394.25 Td (certain ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 411.76 394.25 Td (that ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 429.04 394.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 444.64 394.25 Td (coverage ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 483.00 394.25 Td (will ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 500.84 394.25 Td (be ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 512.55 394.25 Td (adequate ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 550.36 394.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 382.25 Td (any ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 67.28 382.25 Td (liabilities ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 107.35 382.25 Td (actually ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 141.84 382.25 Td (incurred ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 178.00 382.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 189.18 382.25 Td (that ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 207.02 382.25 Td (insurance ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 248.18 382.25 Td (will ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 266.58 382.25 Td (continue ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 303.86 382.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 314.49 382.25 Td (be ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 326.77 382.25 Td (available ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 365.71 382.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 376.33 382.25 Td (us ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 388.07 382.25 Td (on ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 400.91 382.25 Td (economically ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 457.63 382.25 Td (reasonable ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 503.23 382.25 Td (terms ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 528.29 382.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 539.46 382.25 Td (at ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 549.53 382.25 Td (all. ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 370.25 Td (W) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 58.64 370.25 Td (e ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 64.94 370.25 Td (may ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 84.03 370.25 Td (need ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 104.77 370.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 114.42 370.25 Td (devote ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 142.94 370.25 Td (significant ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 187.02 370.25 Td (resources ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 226.65 370.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 236.29 370.25 Td (protect ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 265.93 370.25 Td (against ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 296.12 370.25 Td (security ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 329.64 370.25 Td (breaches ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 366.48 370.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 376.68 370.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 386.33 370.25 Td (address ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 418.19 370.25 Td (problems ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 457.27 370.25 Td (caused ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 486.35 370.25 Td (by ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 498.21 370.25 Td (breaches, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 537.56 370.25 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 358.25 Td (would ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 77.50 358.25 Td (divert ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 103.33 358.25 Td (resources ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 143.58 358.25 Td (from ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 165.52 358.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 180.24 358.25 Td (growth ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 211.07 358.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 228.01 358.25 Td (expansion ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 271.05 358.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 281.88 358.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 297.71 358.25 Td (business.) Tj ET Q BT /F4 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 340.25 Td (W) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 58.15 340.25 Td (e ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 65.55 340.25 Td (may ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 85.73 340.25 Td (incur ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 110.92 340.25 Td (property) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 144.98 340.25 Td (, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 150.45 340.25 Td (casualty ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 187.29 340.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 199.14 340.25 Td (other ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 223.77 340.25 Td (losses ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 250.63 340.25 Td (not ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 266.93 340.25 Td (covered ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 301.53 340.25 Td (by ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 313.93 340.25 Td (insurance. ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 360.52 340.25 Td (W) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 369.15 340.25 Td (e ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 376.55 340.25 Td (maintain ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 414.50 340.25 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 421.90 340.25 Td (program ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 458.74 340.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 470.03 340.25 Td (insurance ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 511.31 340.25 Td (coverage ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 550.35 340.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 328.25 Td (various ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 82.26 328.25 Td (types ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 106.20 328.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 117.36 328.25 Td (property) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 150.58 328.25 Td (, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 155.91 328.25 Td (casualty ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 191.50 328.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 208.76 328.25 Td (other ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 232.14 328.25 Td (risks. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 256.35 328.25 Td ( ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 258.98 328.25 Td (The ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 277.35 328.25 Td (types ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 301.28 328.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 318.55 328.25 Td (amounts ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 355.26 328.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 366.42 328.25 Td (insurance ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 407.56 328.25 Td (that ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 425.38 328.25 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 439.87 328.25 Td (obtain ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 467.69 328.25 Td (vary ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 488.28 328.25 Td (from ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 510.55 328.25 Td (time ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 531.15 328.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 541.75 328.25 Td (time, ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 316.25 Td (depending ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 93.08 316.25 Td (on ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 104.50 316.25 Td (availability) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 148.84 316.25 Td (, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 152.76 316.25 Td (cost ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 170.29 316.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 186.15 316.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 200.90 316.25 Td (decisions ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 239.54 316.25 Td (with ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 258.74 316.25 Td (respect ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 288.48 316.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 297.68 316.25 Td (risk ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 314.10 316.25 Td (retention. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 353.57 316.25 Td ( ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 354.89 316.25 Td (The ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 371.86 316.25 Td (policies ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 404.38 316.25 Td (are ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 418.01 316.25 Td (subject ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 447.76 316.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 456.96 316.25 Td (deductibles ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 503.92 316.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 519.78 316.25 Td (exclusions ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 304.25 Td (that ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 67.64 304.25 Td (result ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 92.50 304.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 102.92 304.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 118.89 304.25 Td (retention ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 157.07 304.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 168.04 304.25 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 175.12 304.25 Td (level ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 197.20 304.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 208.17 304.25 Td (risk ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 225.81 304.25 Td (on ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 238.45 304.25 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 245.53 304.25 Td (self-insurance ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 304.26 304.25 Td (basis. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 329.40 304.25 Td ( ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 332.04 304.25 Td (Losses ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 361.90 304.25 Td (not ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 377.32 304.25 Td (covered ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 411.61 304.25 Td (by ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 424.25 304.25 Td (insurance ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 465.21 304.25 Td (could ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 490.07 304.25 Td (be ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 502.15 304.25 Td (substantial ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 547.56 304.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 292.25 Td (may ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 69.72 292.25 Td (increase ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 104.97 292.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 120.80 292.25 Td (expenses, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 161.90 292.25 Td (which ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 188.84 292.25 Td (could ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 213.55 292.25 Td (harm ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 236.60 292.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 252.43 292.25 Td (results ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 281.04 292.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 291.87 292.25 Td (operations ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 336.03 292.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 352.96 292.25 Td (financial ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 390.44 292.25 Td (condition.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 430.72 292.25 Td ( ) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 274.25 Td (Our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 68.19 274.25 Td (tax ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 82.47 274.25 Td (liabilities ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 121.76 274.25 Td (could ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 146.05 274.25 Td (be ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 157.00 274.25 Td (materially ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 200.17 274.25 Td (impacted ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 238.89 274.25 Td (by ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 249.84 274.25 Td (any ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 266.35 274.25 Td (changes ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 301.75 274.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 311.60 274.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 325.89 274.25 Td (tax ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 340.18 274.25 Td (laws ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 360.03 274.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 369.87 274.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 384.16 274.25 Td (jurisdictions ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 436.80 274.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 446.65 274.25 Td (which ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 473.17 274.25 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 485.79 274.25 Td (operate, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 520.34 274.25 Td (beginning ) Tj ET Q BT /F4 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 262.25 Td (operations ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 95.63 262.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 106.26 262.25 Td (new ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 125.23 262.25 Td (states, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 152.80 262.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 170.65 262.25 Td (assessments ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 222.40 262.25 Td (as ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 233.58 262.25 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 240.87 262.25 Td (result ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 266.51 262.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 277.13 262.25 Td (tax ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 292.20 262.25 Td (audits. ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 322.00 262.25 Td (Legislation ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 369.28 262.25 Td (could ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 393.79 262.25 Td (be ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 405.52 262.25 Td (introduced ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 450.58 262.25 Td (at ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 460.09 262.25 Td (any ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 476.82 262.25 Td (time ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 496.89 262.25 Td (that ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 514.17 262.25 Td (changes ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 548.67 262.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 250.25 Td (tax ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 64.70 250.25 Td (liabilities ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 104.39 250.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 114.65 250.25 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 121.57 250.25 Td (way ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 140.71 250.25 Td (that ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 158.18 250.25 Td (has ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 173.99 250.25 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 180.91 250.25 Td (material ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 216.15 250.25 Td (adverse ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 249.17 250.25 Td (ef) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 256.75 250.25 Td (fect ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 274.22 250.25 Td (on ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 286.70 250.25 Td (us. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 300.57 250.25 Td (In ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 311.38 250.25 Td (particular) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 349.29 250.25 Td (, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 354.27 250.25 Td (because ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 388.39 250.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 399.20 250.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 413.90 250.25 Td (extent ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 440.81 250.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 451.62 250.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 467.43 250.25 Td (operations ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 511.57 250.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 521.64 250.25 Td (T) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 527.05 250.25 Td (exas, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 549.80 250.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 238.25 Td (T) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 55.41 238.25 Td (exas ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 75.65 238.25 Td (mar) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 91.01 238.25 Td (gin ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 106.26 238.25 Td (tax, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 123.45 238.25 Td (which ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 150.36 238.25 Td (is ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 159.50 238.25 Td (based ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 184.74 238.25 Td (on ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 197.21 238.25 Td (gross ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 220.79 238.25 Td (profit ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 245.47 238.25 Td (rather ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 271.26 238.25 Td (than ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 290.95 238.25 Td (earnings, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 329.79 238.25 Td (can ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 346.14 238.25 Td (create ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 372.47 238.25 Td (significant ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 417.15 238.25 Td (volatility ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 455.73 238.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 465.98 238.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 481.78 238.25 Td (ef) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 489.37 238.25 Td (fective ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 519.04 238.25 Td (tax ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 533.73 238.25 Td (rate. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 553.68 238.25 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 226.25 Td (addition, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 88.03 226.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 104.11 226.25 Td (entry ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 127.41 226.25 Td (into ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 145.72 226.25 Td (new ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 165.13 226.25 Td (states ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 190.10 226.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 200.63 226.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 215.60 226.25 Td (future ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 242.23 226.25 Td (could ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 267.20 226.25 Td (subject ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 298.28 226.25 Td (us ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 309.92 226.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 320.46 226.25 Td (additional ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 363.20 226.25 Td (tax ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 378.17 226.25 Td (rate ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 395.91 226.25 Td (volatility) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 431.37 226.25 Td (, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 436.62 226.25 Td (dependent ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 480.47 226.25 Td (upon ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 503.22 226.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 518.19 226.25 Td (tax ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 533.16 226.25 Td (laws ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 554.24 226.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 214.25 Td (place ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 74.04 214.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 84.77 214.25 Td (those ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 108.83 214.25 Td (states. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 136.49 214.25 Td (Moreover) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 175.52 214.25 Td (, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 180.97 214.25 Td (d) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 185.97 214.25 Td (uring ) Tj ET Q q 0 0 0 rg BT 210.03 214.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 234.63 214.25 Td (year ) Tj ET Q q 0 0 0 rg BT 254.79 214.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 280.24 214.25 Td (we ) Tj ET Q q 0 0 0 rg BT 294.85 214.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 332.77 214.25 Td (an ) Tj ET Q q 0 0 0 rg BT 345.16 214.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 388.10 214.25 Td (indirect ) Tj ET Q q 0 0 0 rg BT 421.59 214.25 Td (ta) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 428.81 214.25 Td (x ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 436.76 214.25 Td (audit ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 459.70 214.25 Td (reserve ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 491.52 214.25 Td (based ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 517.24 214.25 Td (on ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 530.19 214.25 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 537.57 214.25 Td (recent ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 202.25 Td (assessment ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 97.60 202.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 109.09 202.25 Td (prior ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 131.68 202.25 Td (year ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 152.05 202.25 Td (periods ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 184.65 202.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 202.25 202.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 218.74 202.25 Td (estimate ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 255.21 202.25 Td (related ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 285.58 202.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 296.51 202.25 Td (post-audit ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 339.67 202.25 Td (periods. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 374.77 202.25 Td (In ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 386.25 202.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 401.63 202.25 Td (event ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 426.45 202.25 Td (that ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 444.60 202.25 Td (actual ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 471.63 202.25 Td (results ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 500.90 202.25 Td (dif) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 511.83 202.25 Td (fer ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 526.08 202.25 Td (from ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 548.68 202.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 190.25 Td (estimate, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 88.32 190.25 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 102.48 190.25 Td (may ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 122.20 190.25 Td (need ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 143.57 190.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 153.85 190.25 Td (adjust ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 180.24 190.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 196.07 190.25 Td (reserve, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 229.94 190.25 Td (which ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 256.88 190.25 Td (could ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 281.59 190.25 Td (materially ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 324.63 190.25 Td (impact ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 354.34 190.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 370.17 190.25 Td (financial ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 407.65 190.25 Td (condition ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 447.92 190.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 464.86 190.25 Td (results ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 493.47 190.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 504.30 190.25 Td (operations.) Tj ET Q BT /F4 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 172.25 Td (W) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 58.15 172.25 Td (e ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 65.93 172.25 Td (are ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 82.60 172.25 Td (subject ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 114.83 172.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 125.95 172.25 Td (sales, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 151.79 172.25 Td (income ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 185.13 172.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 204.03 172.25 Td (other ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 229.04 172.25 Td (taxes, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 255.99 172.25 Td (which ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 284.34 172.25 Td (can ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 302.68 172.25 Td (be ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 315.46 172.25 Td (dif) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 326.39 172.25 Td (ficult ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 351.40 172.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 370.30 172.25 Td (complex ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 408.07 172.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 419.19 172.25 Td (calculate ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 459.75 172.25 Td (due ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 478.09 172.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 489.21 172.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 505.33 172.25 Td (nature ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 535.90 172.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 547.57 172.25 Td (our ) Tj ET Q BT /F4 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 160.25 Td (business. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 90.76 160.25 Td ( ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 93.53 160.25 Td (A) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 99.65 160.25 Td ( ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 102.90 160.25 Td (failure ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 133.92 160.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 144.95 160.25 Td (correctly ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 184.29 160.25 Td (calculate ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 224.75 160.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 243.56 160.25 Td (pay ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 261.25 160.25 Td (such ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 283.95 160.25 Td (taxes ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 308.31 160.25 Td (could ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 334.33 160.25 Td (result ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 360.92 160.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 372.51 160.25 Td (substantial ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 420.78 160.25 Td (tax ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 436.81 160.25 Td (liabilities ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 477.83 160.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 496.64 160.25 Td (have ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 519.33 160.25 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 527.58 160.25 Td (material ) Tj ET Q BT /F4 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 148.25 Td (adverse ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 83.85 148.25 Td (ef) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 91.43 148.25 Td (fect ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 109.17 148.25 Td (on ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 122.47 148.25 Td (us. ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 137.17 148.25 Td (The ) Tj ET Q q 0 0 0 rg BT 155.47 148.25 Td (application ) Tj ET Q q 0 0 0 rg BT 202.64 148.25 Td (of ) Tj ET Q q 0 0 0 rg BT 213.72 148.25 Td (indirect ) Tj ET Q q 0 0 0 rg BT 247.01 148.25 Td (taxes, ) Tj ET Q q 0 0 0 rg BT 272.80 148.25 Td (such ) Tj ET Q q 0 0 0 rg BT 293.88 148.25 Td (as ) Tj ET Q q 0 0 0 rg BT 304.95 148.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 327.14 148.25 Td (tax, ) Tj ET Q q 0 0 0 rg BT 344.60 148.25 Td (is ) Tj ET Q q 0 0 0 rg BT 354.02 148.25 Td (a ) Tj ET Q q 0 0 0 rg BT 361.20 148.25 Td (complex ) Tj ET Q q 0 0 0 rg BT 398.38 148.25 Td (and ) Tj ET Q q 0 0 0 rg BT 415.57 148.25 Td (evolving ) Tj ET Q q 0 0 0 rg BT 453.31 148.25 Td (issue ) Tj ET Q q 0 0 0 rg BT 476.06 148.25 Td (and ) Tj ET Q q 0 0 0 rg BT 493.24 148.25 Td (we ) Tj ET Q q 0 0 0 rg BT 507.65 148.25 Td (may ) Tj ET Q q 0 0 0 rg BT 527.61 148.25 Td (not ) Tj ET Q q 0 0 0 rg BT 543.14 148.25 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.25 Td (accrued ) Tj ET Q q 0 0 0 rg BT 83.19 136.25 Td (or ) Tj ET Q q 0 0 0 rg BT 93.62 136.25 Td (remitted ) Tj ET Q q 0 0 0 rg BT 129.04 136.25 Td (required ) Tj ET Q q 0 0 0 rg BT 164.46 136.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 200.45 136.25 Td (to ) Tj ET Q q 0 0 0 rg BT 210.34 136.25 Td (various ) Tj ET Q q 0 0 0 rg BT 241.88 136.25 Td (jurisdictions. ) Tj ET Q q 0 0 0 rg BT 295.92 136.25 Td (Many ) Tj ET Q q 0 0 0 rg BT 321.36 136.25 Td (of ) Tj ET Q q 0 0 0 rg BT 331.79 136.25 Td (the ) Tj ET Q q 0 0 0 rg BT 346.11 136.25 Td (fundamental ) Tj ET Q q 0 0 0 rg BT 398.20 136.25 Td (statutes ) Tj ET Q q 0 0 0 rg BT 430.29 136.25 Td (and ) Tj ET Q q 0 0 0 rg BT 446.84 136.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 493.37 136.25 Td (that ) Tj ET Q q 0 0 0 rg BT 510.47 136.25 Td (impose ) Tj ET Q q 0 0 0 rg BT 541.46 136.25 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.25 Td (taxes ) Tj ET Q q 0 0 0 rg BT 73.13 124.25 Td (were ) Tj ET Q q 0 0 0 rg BT 95.14 124.25 Td (established ) Tj ET Q q 0 0 0 rg BT 142.16 124.25 Td (before ) Tj ET Q q 0 0 0 rg BT 170.27 124.25 Td (the ) Tj ET Q q 0 0 0 rg BT 185.07 124.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 215.99 124.25 Td (of ) Tj ET Q q 0 0 0 rg BT 226.90 124.25 Td (e-commerce ) Tj ET Q q 0 0 0 rg BT 278.89 124.25 Td (and, ) Tj ET Q q 0 0 0 rg BT 298.41 124.25 Td (therefore, ) Tj ET Q q 0 0 0 rg BT 339.58 124.25 Td (in ) Tj ET Q q 0 0 0 rg BT 349.94 124.25 Td (many ) Tj ET Q q 0 0 0 rg BT 374.73 124.25 Td (cases ) Tj ET Q q 0 0 0 rg BT 398.42 124.25 Td (it ) Tj ET Q q 0 0 0 rg BT 406.55 124.25 Td (is ) Tj ET Q q 0 0 0 rg BT 415.81 124.25 Td (not ) Tj ET Q q 0 0 0 rg BT 431.17 124.25 Td (clear ) Tj ET Q q 0 0 0 rg BT 453.17 124.25 Td (how ) Tj ET Q q 0 0 0 rg BT 472.98 124.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 507.22 124.25 Td (statutes ) Tj ET Q q 0 0 0 rg BT 539.80 124.25 Td (apply ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.25 Td (to ) Tj ET Q q 0 0 0 rg BT 59.53 112.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 88.47 112.25 Td (aspects ) Tj ET Q q 0 0 0 rg BT 119.10 112.25 Td (of ) Tj ET Q q 0 0 0 rg BT 129.18 112.25 Td (our ) Tj ET Q q 0 0 0 rg BT 144.25 112.25 Td (business ) Tj ET Q q 0 0 0 rg BT 179.89 112.25 Td (and ) Tj ET Q q 0 0 0 rg BT 196.08 112.25 Td (we ) Tj ET Q q 0 0 0 rg BT 209.48 112.25 Td (rely ) Tj ET Q q 0 0 0 rg BT 226.78 112.25 Td (on ) Tj ET Q q 0 0 0 rg BT 238.53 112.25 Td (advice ) Tj ET Q q 0 0 0 rg BT 266.37 112.25 Td (from ) Tj ET Q q 0 0 0 rg BT 287.55 112.25 Td (our ) Tj ET Q q 0 0 0 rg BT 302.63 112.25 Td (third-party ) Tj ET Q q 0 0 0 rg BT 347.14 112.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 361.10 112.25 Td (advisors. ) Tj ET Q q 0 0 0 rg BT 398.68 112.25 Td (In ) Tj ET Q q 0 0 0 rg BT 408.76 112.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 445.78 112.25 Td (governments ) Tj ET Q q 0 0 0 rg BT 499.18 112.25 Td (are ) Tj ET Q q 0 0 0 rg BT 513.13 112.25 Td (increasingly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.25 Td (looking ) Tj ET Q q 0 0 0 rg BT 82.94 100.25 Td (for ) Tj ET Q q 0 0 0 rg BT 96.98 100.25 Td (ways ) Tj ET Q q 0 0 0 rg BT 119.91 100.25 Td (to ) Tj ET Q q 0 0 0 rg BT 130.06 100.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 165.20 100.25 Td (revenues, ) Tj ET Q q 0 0 0 rg BT 205.61 100.25 Td (which ) Tj ET Q q 0 0 0 rg BT 232.43 100.25 Td (has ) Tj ET Q q 0 0 0 rg BT 248.14 100.25 Td (resulted ) Tj ET Q q 0 0 0 rg BT 282.18 100.25 Td (in ) Tj ET Q q 0 0 0 rg BT 292.33 100.25 Td (discussions ) Tj ET Q q 0 0 0 rg BT 340.27 100.25 Td (about ) Tj ET Q q 0 0 0 rg BT 364.87 100.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 379.47 100.25 Td (reform ) Tj ET Q q 0 0 0 rg BT 409.05 100.25 Td (and ) Tj ET Q q 0 0 0 rg BT 425.87 100.25 Td (other ) Tj ET Q q 0 0 0 rg BT 448.80 100.25 Td (legislative ) Tj ET Q q 0 0 0 rg BT 492.28 100.25 Td (action ) Tj ET Q q 0 0 0 rg BT 519.09 100.25 Td (to ) Tj ET Q q 0 0 0 rg BT 529.25 100.25 Td (increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 65.34 88.25 Td (revenues, ) Tj ET Q q 0 0 0 rg BT 106.50 88.25 Td (including ) Tj ET Q q 0 0 0 rg BT 147.40 88.25 Td (through ) Tj ET Q q 0 0 0 rg BT 181.64 88.25 Td (indirect ) Tj ET Q q 0 0 0 rg BT 215.30 88.25 Td (taxes. ) Tj ET Q q 0 0 0 rg BT 241.25 88.25 Td (This ) Tj ET Q q 0 0 0 rg BT 262.15 88.25 Td (also ) Tj ET Q q 0 0 0 rg BT 281.39 88.25 Td (could ) Tj ET Q q 0 0 0 rg BT 306.73 88.25 Td (result ) Tj ET Q q 0 0 0 rg BT 332.07 88.25 Td (in ) Tj ET Q q 0 0 0 rg BT 342.97 88.25 Td (other ) Tj ET Q q 0 0 0 rg BT 366.64 88.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 400.31 88.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 435.64 88.25 Td (in ) Tj ET Q q 0 0 0 rg BT 446.54 88.25 Td (or ) Tj ET Q q 0 0 0 rg BT 458.00 88.25 Td (interpretations ) Tj ET Q q 0 0 0 rg BT 518.88 88.25 Td (of ) Tj ET Q q 0 0 0 rg BT 530.34 88.25 Td (existing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.25 Td (sales, ) Tj ET Q q 0 0 0 rg BT 74.13 76.25 Td (income ) Tj ET Q q 0 0 0 rg BT 105.75 76.25 Td (and ) Tj ET Q q 0 0 0 rg BT 122.38 76.25 Td (other ) Tj ET Q q 0 0 0 rg BT 145.11 76.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 159.52 76.25 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 208.64 76.25 Td (the ) Tj ET Q q 0 0 0 rg BT 223.05 76.25 Td (exact ) Tj ET Q q 0 0 0 rg BT 246.33 76.25 Td (nature ) Tj ET Q q 0 0 0 rg BT 273.50 76.25 Td (or ) Tj ET Q q 0 0 0 rg BT 284.02 76.25 Td (ef) Tj ET Q q 0 0 0 rg BT 291.61 76.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 308.79 76.25 Td (of ) Tj ET Q q 0 0 0 rg BT 319.30 76.25 Td (which ) Tj ET Q q 0 0 0 rg BT 345.93 76.25 Td (cannot ) Tj ET Q q 0 0 0 rg BT 374.78 76.25 Td (be ) Tj ET Q q 0 0 0 rg BT 386.40 76.25 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 431.91 76.25 Td (calculated, ) Tj ET Q q 0 0 0 rg BT 477.12 76.25 Td (but ) Tj ET Q q 0 0 0 rg BT 492.09 76.25 Td (which ) Tj ET Q q 0 0 0 rg BT 518.72 76.25 Td (could ) Tj ET Q q 0 0 0 rg BT 543.13 76.25 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.25 Td (a ) Tj ET Q q 0 0 0 rg BT 56.94 64.25 Td (material ) Tj ET Q q 0 0 0 rg BT 92.20 64.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 125.23 64.25 Td (ef) Tj ET Q q 0 0 0 rg BT 132.82 64.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 150.31 64.25 Td (on ) Tj ET Q q 0 0 0 rg BT 162.81 64.25 Td (us.) Tj ET Q endstream endobj 59 0 obj <>] /Rotate 0 /Contents 60 0 R>> endobj 60 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (28) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 742.25 Td (Failure ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 83.34 742.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 93.34 742.25 Td (successfully ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 145.01 742.25 Td (utilize ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 172.24 742.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 190.02 742.25 Td (manage ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 225.02 742.25 Td (e-commerce, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 279.72 742.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 297.50 742.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 307.51 742.25 Td (compete ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 343.60 742.25 Td (ef) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 351.19 742.25 Td (fectively ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 387.27 742.25 Td (with ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 407.29 742.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 422.29 742.25 Td (growing ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 458.41 742.25 Td (e-commerce ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 510.61 742.25 Td (sector) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 534.49 742.25 Td (, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 539.22 742.25 Td (could ) Tj ET Q BT /F4 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 730.25 Td (materially ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 94.95 730.25 Td (adversely ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 136.55 730.25 Td (af) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 144.70 730.25 Td (fect ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 162.97 730.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 180.71 730.25 Td (business ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 219.01 730.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 237.86 730.25 Td (prospects. ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 281.97 730.25 Td (Our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 300.81 730.25 Td (website ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 334.64 730.25 Td (provides ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 372.37 730.25 Td (new ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 392.31 730.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 410.04 730.25 Td (existing ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 444.99 730.25 Td (customers ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 488.82 730.25 Td (with ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 509.89 730.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 525.39 730.25 Td (ability ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 554.23 730.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 718.25 Td (review ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 79.42 718.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 94.97 718.25 Td (product ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 127.73 718.25 Td (of) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 135.88 718.25 Td (ferings ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 165.86 718.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 182.51 718.25 Td (prices, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 211.10 718.25 Td (apply ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 235.53 718.25 Td (for ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 249.41 718.25 Td (credit, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 276.89 718.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 293.54 718.25 Td (access ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 321.29 718.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 337.94 718.25 Td (make ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 361.81 718.25 Td (payments ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 402.35 718.25 Td (on ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 414.57 718.25 Td (their ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 435.11 718.25 Td (credit ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 460.09 718.25 Td (accounts. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 499.79 718.25 Td (Customers ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 544.78 718.25 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 706.25 Td (also ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 67.75 706.25 Td (purchase ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 104.93 706.25 Td (certain ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 133.77 706.25 Td (products ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 169.85 706.25 Td (on ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 181.49 706.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 196.46 706.25 Td (website ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 228.65 706.25 Td (using ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 251.96 706.25 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 258.04 706.25 Td (credit ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 282.44 706.25 Td (card. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 303.79 706.25 Td (Our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 320.98 706.25 Td (website ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 353.17 706.25 Td (is ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 361.48 706.25 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 367.56 706.25 Td (significant ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 411.41 706.25 Td (component ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 457.49 706.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 467.46 706.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 482.43 706.25 Td (advertising ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 528.50 706.25 Td (strategy) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 559.51 706.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 694.25 Td (W) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 58.64 694.25 Td (e ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 65.51 694.25 Td (believe ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 96.81 694.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 112.57 694.25 Td (website ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 145.55 694.25 Td (represents ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 188.52 694.25 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 195.38 694.25 Td (possible ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 230.59 694.25 Td (source ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 259.12 694.25 Td (for ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 273.21 694.25 Td (future ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 299.52 694.25 Td (sales ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 321.39 694.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 338.26 694.25 Td (growth ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 369.02 694.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 379.23 694.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 394.99 694.25 Td (credit ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 420.18 694.25 Td (collections. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 468.44 694.25 Td (In ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 479.20 694.25 Td (order ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 502.73 694.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 512.93 694.25 Td (promote ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 548.69 694.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 682.25 Td (products ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 86.12 682.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 102.23 682.25 Td (services, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 138.62 682.25 Td (allow ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 162.51 682.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 177.52 682.25 Td (customers ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 219.74 682.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 229.20 682.25 Td (complete ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 267.52 682.25 Td (credit ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 291.97 682.25 Td (applications ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 341.96 682.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 351.42 682.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 365.31 682.25 Td (privacy ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 396.98 682.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 406.98 682.25 Td (their ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 426.98 682.25 Td (homes ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 454.77 682.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 470.89 682.25 Td (on ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 482.56 682.25 Td (their ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 502.57 682.25 Td (mobile ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 532.02 682.25 Td (devices ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 670.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 67.35 670.25 Td (make ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 91.91 670.25 Td (payments ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 133.15 670.25 Td (on ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 146.06 670.25 Td (their ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 167.29 670.25 Td (accounts, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 207.69 670.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 225.04 670.25 Td (drive ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 248.50 670.25 Td (traf) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 262.19 670.25 Td (fic ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 275.65 670.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 286.34 670.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 302.58 670.25 Td (stores, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 331.32 670.25 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 345.89 670.25 Td (must ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 368.25 670.25 Td (ef) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 375.83 670.25 Td (fectively ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 413.73 670.25 Td (create, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 443.00 670.25 Td (design, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 474.52 670.25 Td (publish ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 506.88 670.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 524.22 670.25 Td (distribute ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 658.25 Td (content ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 82.11 658.25 Td (over ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 102.56 658.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 117.46 658.25 Td (internet. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 152.99 658.25 Td (There ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 178.98 658.25 Td (can ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 195.54 658.25 Td (be ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 207.66 658.25 Td (no ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 220.34 658.25 Td (assurance ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 261.88 658.25 Td (that ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 279.56 658.25 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 293.90 658.25 Td (will ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 312.13 658.25 Td (be ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 324.25 658.25 Td (able ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 343.59 658.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 354.04 658.25 Td (design ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 382.83 658.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 399.95 658.25 Td (publish ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 432.08 658.25 Td (web ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 451.42 658.25 Td (content ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 483.53 658.25 Td (with ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 503.99 658.25 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 511.11 658.25 Td (high ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 531.57 658.25 Td (level ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 553.68 658.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 646.25 Td (ef) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 57.59 646.25 Td (fectiveness ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 104.30 646.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 114.92 646.25 Td (grow ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 137.76 646.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 153.38 646.25 Td (e-commerce ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 205.08 646.25 Td (business ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 241.26 646.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 251.33 646.25 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 258.05 646.25 Td (profitable ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 299.21 646.25 Td (manner) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 328.65 646.25 Td (. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 333.44 646.25 Td ( ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 335.73 646.25 Td (Certain ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 367.45 646.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 378.07 646.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 393.69 646.25 Td (competitors, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 445.69 646.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 462.42 646.25 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 469.14 646.25 Td (number ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 501.98 646.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 512.60 646.25 Td (e-commerce ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 634.25 Td (retailers, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 88.00 634.25 Td (have ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 110.18 634.25 Td (established ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 157.91 634.25 Td (e-commerce ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 210.62 634.25 Td (operations ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 255.57 634.25 Td (against ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 287.19 634.25 Td (which ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 314.93 634.25 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 329.89 634.25 Td (compete ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 367.06 634.25 Td (for ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 382.02 634.25 Td (customers. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 428.36 634.25 Td ( ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 431.66 634.25 Td (It ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 441.07 634.25 Td (is ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 451.04 634.25 Td (possible ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 487.11 634.25 Td (that ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 505.41 634.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 520.92 634.25 Td (increasing ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 622.25 Td (competition ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 99.72 622.25 Td (from ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 121.10 622.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 135.27 622.25 Td (e-commerce ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 186.63 622.25 Td (sector ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 212.45 622.25 Td (may ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 231.62 622.25 Td (reduce ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 260.21 622.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 275.49 622.25 Td (market ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 305.20 622.25 Td (share, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 330.75 622.25 Td (gross ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 353.81 622.25 Td (mar) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 369.17 622.25 Td (gin ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 383.90 622.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 394.18 622.25 Td (operating ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 433.89 622.25 Td (mar) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 449.26 622.25 Td (gin, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 466.48 622.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 482.87 622.25 Td (may ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 502.04 622.25 Td (have ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 522.86 622.25 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 529.25 622.25 Td (material ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 610.25 Td (adverse ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 83.04 610.25 Td (ef) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 90.63 610.25 Td (fect ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 108.11 610.25 Td (on ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 120.61 610.25 Td (us.) Tj ET Q BT /F4 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 592.25 Td (If ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 59.81 592.25 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 73.50 592.25 Td (fail ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 89.98 592.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 100.34 592.25 Td (maintain ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 140.17 592.25 Td (adequate ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 179.97 592.25 Td (systems ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 213.67 592.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 231.81 592.25 Td (processes ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 273.28 592.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 283.65 592.25 Td (detect ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 310.11 592.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 328.25 592.25 Td (prevent ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 361.39 592.25 Td (fraudulent ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 407.88 592.25 Td (activity) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 436.93 592.25 Td (, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 442.02 592.25 Td (including ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 484.07 592.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 494.99 592.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 512.03 592.25 Td (e-commerce ) Tj ET Q BT /F4 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 580.25 Td (business, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 89.43 580.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 105.80 580.25 Td (business ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 142.73 580.25 Td (could ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 167.42 580.25 Td (be ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 178.78 580.25 Td (materially ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 222.35 580.25 Td (adversely ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 262.58 580.25 Td (impacted. ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 304.21 580.25 Td (Criminals ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 345.57 580.25 Td (are ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 359.69 580.25 Td (using ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 383.28 580.25 Td (increasingly ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 434.07 580.25 Td (sophisticated ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 488.19 580.25 Td (methods ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 524.00 580.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 533.69 580.25 Td (engage ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 568.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 59.96 568.25 Td (illegal ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 87.14 568.25 Td (activities ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 125.42 568.25 Td (such ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 145.93 568.25 Td (as ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 156.45 568.25 Td (paper ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 180.84 568.25 Td (instrument ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 225.80 568.25 Td (counterfeiting, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 286.57 568.25 Td (fraudulent ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 329.85 568.25 Td (payment ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 366.46 568.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 376.98 568.25 Td (refund ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 405.26 568.25 Td (schemes ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 441.32 568.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 457.95 568.25 Td (identity ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 490.68 568.25 Td (theft. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 513.21 568.25 Td (As ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 526.51 568.25 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 540.35 568.25 Td (make ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 556.25 Td (more ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 74.03 556.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 85.84 556.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 102.66 556.25 Td (services ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 138.35 556.25 Td (available ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 177.92 556.25 Td (over ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 199.17 556.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 214.88 556.25 Td (internet ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 248.90 556.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 266.82 556.25 Td (other ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 290.85 556.25 Td (media, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 321.27 556.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 339.19 556.25 Td (as ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 351.01 556.25 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 366.15 556.25 Td (expand ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 398.51 556.25 Td (into ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 417.55 556.25 Td (new ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 437.70 556.25 Td (geographic ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 485.61 556.25 Td (regions ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 518.53 556.25 Td (without ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 552.57 556.25 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 544.25 Td (established ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 96.99 544.25 Td (customer ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 136.20 544.25 Td (base, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 159.03 544.25 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 173.25 544.25 Td (subject ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 204.13 544.25 Td (ourselves ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 244.46 544.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 254.79 544.25 Td (increased ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 295.10 544.25 Td (consumer ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 336.54 544.25 Td (fraud ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 360.20 544.25 Td (risk. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 380.07 544.25 Td (While ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 407.06 544.25 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 421.28 544.25 Td (believe ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 452.71 544.25 Td (past ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 471.37 544.25 Td (incidents ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 510.03 544.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 520.92 544.25 Td (fraudulent ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 532.25 Td (activity ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 82.46 532.25 Td (have ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 103.81 532.25 Td (been ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 125.16 532.25 Td (relatively ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 165.40 532.25 Td (isolated, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 201.47 532.25 Td (we ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 215.61 532.25 Td (cannot ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 244.73 532.25 Td (be ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 256.65 532.25 Td (certain ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 286.32 532.25 Td (that ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 303.79 532.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 319.59 532.25 Td (systems ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 353.74 532.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 370.65 532.25 Td (processes ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 411.44 532.25 Td (will ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 429.47 532.25 Td (always ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 459.71 532.25 Td (be ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 471.62 532.25 Td (adequate ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 509.63 532.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 519.88 532.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 534.57 532.25 Td (face ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 553.69 532.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 520.25 Td (increasingly ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 100.89 520.25 Td (sophisticated ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 155.12 520.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 171.57 520.25 Td (ever) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 188.58 520.25 Td (-changing ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 230.58 520.25 Td (fraud ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 253.70 520.25 Td (schemes. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 291.94 520.25 Td (W) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 300.58 520.25 Td (e ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 307.04 520.25 Td (use ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 322.38 520.25 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 328.84 520.25 Td (variety ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 358.62 520.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 368.97 520.25 Td (tools ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 390.43 520.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 400.23 520.25 Td (protect ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 430.01 520.25 Td (against ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 460.35 520.25 Td (fraud, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 485.96 520.25 Td (but ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 500.76 520.25 Td (these ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 523.32 520.25 Td (tools ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 544.79 520.25 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 508.25 Td (not ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 65.18 508.25 Td (always ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 95.35 508.25 Td (be ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 107.20 508.25 Td (successful ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 150.70 508.25 Td (at ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 160.32 508.25 Td (preventing ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 205.49 508.25 Td (such ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 226.22 508.25 Td (fraud. ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 252.22 508.25 Td (Instances ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 291.83 508.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 302.57 508.25 Td (fraud ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 326.07 508.25 Td (may ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 345.69 508.25 Td (result ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 370.31 508.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 380.49 508.25 Td (increased ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 420.65 508.25 Td (costs, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 445.56 508.25 Td (including ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 485.73 508.25 Td (possible ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 520.92 508.25 Td (settlement ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 496.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 66.94 496.25 Td (litigation ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 105.55 496.25 Td (expenses, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 146.65 496.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 163.58 496.25 Td (could ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 188.30 496.25 Td (have ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 209.68 496.25 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 216.62 496.25 Td (material ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 251.88 496.25 Td (adverse ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 284.91 496.25 Td (ef) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 292.50 496.25 Td (fect ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 309.99 496.25 Td (on ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 322.49 496.25 Td (us.) Tj ET Q BT /F4 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 478.25 Td (Our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 69.53 478.25 Td (reputation, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 117.67 478.25 Td (ability ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 146.08 478.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 156.71 478.25 Td (do ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 169.56 478.25 Td (business ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 207.43 478.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 225.85 478.25 Td (operating ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 268.15 478.25 Td (results ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 298.23 478.25 Td (may ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 318.31 478.25 Td (be ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 330.60 478.25 Td (impaired ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 370.12 478.25 Td (by ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 382.41 478.25 Td (improper ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 423.04 478.25 Td (conduct ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 458.67 478.25 Td (by ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 470.97 478.25 Td (any ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 488.82 478.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 500.00 478.25 Td (our ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 517.31 478.25 Td (employees, ) Tj ET Q BT /F4 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 466.25 Td (agents ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 80.62 466.25 Td (or ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 93.45 466.25 Td (business ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 132.42 466.25 Td (partners. ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 173.31 466.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 192.81 466.25 Td (employees, ) Tj ET Q q 0 0 0 rg BT 242.02 466.25 Td (agents ) Tj ET Q q 0 0 0 rg BT 271.52 466.25 Td (or ) Tj ET Q q 0 0 0 rg BT 283.79 466.25 Td (business ) Tj ET Q q 0 0 0 rg BT 321.63 466.25 Td (partners ) Tj ET Q q 0 0 0 rg BT 357.78 466.25 Td (may ) Tj ET Q q 0 0 0 rg BT 378.95 466.25 Td (violate ) Tj ET Q q 0 0 0 rg BT 410.10 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 426.27 466.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 461.32 466.25 Td (and ) Tj ET Q q 0 0 0 rg BT 479.70 466.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 527.52 466.25 Td (we ) Tj ET Q q 0 0 0 rg BT 543.12 466.25 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (implemented ) Tj ET Q q 0 0 0 rg BT 103.78 454.25 Td (to ) Tj ET Q q 0 0 0 rg BT 113.14 454.25 Td (ensure ) Tj ET Q q 0 0 0 rg BT 140.81 454.25 Td (compliance ) Tj ET Q q 0 0 0 rg BT 188.48 454.25 Td (with ) Tj ET Q q 0 0 0 rg BT 207.83 454.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 250.50 454.25 Td (laws. ) Tj ET Q q 0 0 0 rg BT 272.90 454.25 Td (Improper ) Tj ET Q q 0 0 0 rg BT 311.69 454.25 Td (actions ) Tj ET Q q 0 0 0 rg BT 341.59 454.25 Td (by ) Tj ET Q q 0 0 0 rg BT 353.16 454.25 Td (any ) Tj ET Q q 0 0 0 rg BT 369.18 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 379.08 454.25 Td (the ) Tj ET Q q 0 0 0 rg BT 392.88 454.25 Td (foregoing ) Tj ET Q q 0 0 0 rg BT 433.33 454.25 Td (could ) Tj ET Q q 0 0 0 rg BT 457.12 454.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 487.03 454.25 Td (us ) Tj ET Q q 0 0 0 rg BT 497.49 454.25 Td (to ) Tj ET Q q 0 0 0 rg BT 506.85 454.25 Td (civil, ) Tj ET Q q 0 0 0 rg BT 528.70 454.25 Td (criminal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (or ) Tj ET Q q 0 0 0 rg BT 61.20 442.25 Td (administrative ) Tj ET Q q 0 0 0 rg BT 121.27 442.25 Td (investigations, ) Tj ET Q q 0 0 0 rg BT 182.18 442.25 Td (could ) Tj ET Q q 0 0 0 rg BT 207.27 442.25 Td (lead ) Tj ET Q q 0 0 0 rg BT 226.79 442.25 Td (to ) Tj ET Q q 0 0 0 rg BT 237.43 442.25 Td (substantial ) Tj ET Q q 0 0 0 rg BT 283.07 442.25 Td (civil ) Tj ET Q q 0 0 0 rg BT 303.71 442.25 Td (and ) Tj ET Q q 0 0 0 rg BT 321.01 442.25 Td (criminal, ) Tj ET Q q 0 0 0 rg BT 359.70 442.25 Td (monetary ) Tj ET Q q 0 0 0 rg BT 400.33 442.25 Td (and ) Tj ET Q q 0 0 0 rg BT 417.63 442.25 Td (non-monetary ) Tj ET Q q 0 0 0 rg BT 476.59 442.25 Td (penalties, ) Tj ET Q q 0 0 0 rg BT 517.50 442.25 Td (and ) Tj ET Q q 0 0 0 rg BT 534.80 442.25 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (shareholder ) Tj ET Q q 0 0 0 rg BT 99.15 430.25 Td (lawsuits, ) Tj ET Q q 0 0 0 rg BT 136.92 430.25 Td (could ) Tj ET Q q 0 0 0 rg BT 161.64 430.25 Td (cause ) Tj ET Q q 0 0 0 rg BT 186.35 430.25 Td (us ) Tj ET Q q 0 0 0 rg BT 197.74 430.25 Td (to ) Tj ET Q q 0 0 0 rg BT 208.02 430.25 Td (incur ) Tj ET Q q 0 0 0 rg BT 231.06 430.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 275.78 430.25 Td (legal ) Tj ET Q q 0 0 0 rg BT 297.71 430.25 Td (fees, ) Tj ET Q q 0 0 0 rg BT 318.81 430.25 Td (and ) Tj ET Q q 0 0 0 rg BT 335.75 430.25 Td (could ) Tj ET Q q 0 0 0 rg BT 360.46 430.25 Td (damage ) Tj ET Q q 0 0 0 rg BT 394.06 430.25 Td (our ) Tj ET Q q 0 0 0 rg BT 409.89 430.25 Td (reputation.) Tj ET Q BT /F4 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 412.25 Td (Because ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 87.63 412.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 103.59 412.25 Td (Company ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 146.23 412.25 Td (maintains ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 190.55 412.25 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 198.74 412.25 Td (significant ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 245.82 412.25 Td (supply ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 275.68 412.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 287.20 412.25 Td (cash ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 309.28 412.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 328.03 412.25 Td (inventories ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 376.77 412.25 Td (in ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 388.30 412.25 Td (its ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 400.94 412.25 Td (stores, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 430.52 412.25 Td (the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 446.48 412.25 Td (Company ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 489.12 412.25 Td (may ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 509.53 412.25 Td (be ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 522.15 412.25 Td (subject ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 554.23 412.25 Td (to ) Tj ET Q BT /F4 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 50.00 400.25 Td (employee ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 90.59 400.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 108.43 400.25 Td (third-party ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 155.16 400.25 Td (robberies, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 198.27 400.25 Td (burglaries ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 242.78 400.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 260.62 400.25 Td (thefts, ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 288.18 400.25 Td (and ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 306.02 400.25 Td (may ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 325.51 400.25 Td (be ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 337.23 400.25 Td (subject ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 368.40 400.25 Td (to ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 378.46 400.25 Td (liability ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 411.84 400.25 Td (as ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 423.01 400.25 Td (a ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 430.29 400.25 Td (result ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 455.91 400.25 Td (of ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 466.52 400.25 Td (crimes ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 496.02 400.25 Td (at ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 506.08 400.25 Td (its ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 517.80 400.25 Td (stores. ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 546.47 400.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.25 Td (Company) Tj ET Q q 0 0 0 rg BT 91.67 388.25 Td (s ) Tj ET Q q 0 0 0 rg BT 97.98 388.25 Td (business ) Tj ET Q q 0 0 0 rg BT 134.30 388.25 Td (requires ) Tj ET Q q 0 0 0 rg BT 168.94 388.25 Td (it ) Tj ET Q q 0 0 0 rg BT 176.92 388.25 Td (to ) Tj ET Q q 0 0 0 rg BT 187.12 388.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 224.54 388.25 Td (a ) Tj ET Q q 0 0 0 rg BT 231.41 388.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 276.04 388.25 Td (supply ) Tj ET Q q 0 0 0 rg BT 305.14 388.25 Td (of ) Tj ET Q q 0 0 0 rg BT 315.90 388.25 Td (cash, ) Tj ET Q q 0 0 0 rg BT 338.59 388.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 358.24 388.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 397.86 388.25 Td (and ) Tj ET Q q 0 0 0 rg BT 414.73 388.25 Td (inventories ) Tj ET Q q 0 0 0 rg BT 461.59 388.25 Td (in ) Tj ET Q q 0 0 0 rg BT 471.79 388.25 Td (most ) Tj ET Q q 0 0 0 rg BT 493.67 388.25 Td (of ) Tj ET Q q 0 0 0 rg BT 504.42 388.25 Td (its ) Tj ET Q q 0 0 0 rg BT 516.30 388.25 Td (stores. ) Tj ET Q q 0 0 0 rg BT 544.02 388.25 Td (As ) Tj ET Q q 0 0 0 rg BT 557.56 388.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.25 Td (result, ) Tj ET Q q 0 0 0 rg BT 77.83 376.25 Td (the ) Tj ET Q q 0 0 0 rg BT 93.16 376.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 135.16 376.25 Td (is ) Tj ET Q q 0 0 0 rg BT 144.94 376.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 176.38 376.25 Td (to ) Tj ET Q q 0 0 0 rg BT 187.27 376.25 Td (the ) Tj ET Q q 0 0 0 rg BT 202.60 376.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 220.71 376.25 Td (of ) Tj ET Q q 0 0 0 rg BT 232.16 376.25 Td (robberies, ) Tj ET Q q 0 0 0 rg BT 274.98 376.25 Td (bur) Tj ET Q q 0 0 0 rg BT 288.13 376.25 Td (glaries ) Tj ET Q q 0 0 0 rg BT 317.89 376.25 Td (and ) Tj ET Q q 0 0 0 rg BT 335.44 376.25 Td (thefts. ) Tj ET Q q 0 0 0 rg BT 362.59 376.25 Td (Although ) Tj ET Q q 0 0 0 rg BT 403.48 376.25 Td (the ) Tj ET Q q 0 0 0 rg BT 418.81 376.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 460.81 376.25 Td (has ) Tj ET Q q 0 0 0 rg BT 477.25 376.25 Td (implemented ) Tj ET Q q 0 0 0 rg BT 532.57 376.25 Td (various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.25 Td (programs ) Tj ET Q q 0 0 0 rg BT 90.26 364.25 Td (in ) Tj ET Q q 0 0 0 rg BT 100.52 364.25 Td (an ) Tj ET Q q 0 0 0 rg BT 112.45 364.25 Td (ef) Tj ET Q q 0 0 0 rg BT 120.03 364.25 Td (fort ) Tj ET Q q 0 0 0 rg BT 136.96 364.25 Td (to ) Tj ET Q q 0 0 0 rg BT 147.22 364.25 Td (reduce ) Tj ET Q q 0 0 0 rg BT 176.36 364.25 Td (these ) Tj ET Q q 0 0 0 rg BT 199.39 364.25 Td (risks, ) Tj ET Q q 0 0 0 rg BT 223.27 364.25 Td (maintains ) Tj ET Q q 0 0 0 rg BT 264.64 364.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 305.44 364.25 Td (coverage ) Tj ET Q q 0 0 0 rg BT 344.01 364.25 Td (for ) Tj ET Q q 0 0 0 rg BT 358.16 364.25 Td (robberies, ) Tj ET Q q 0 0 0 rg BT 400.35 364.25 Td (bur) Tj ET Q q 0 0 0 rg BT 413.50 364.25 Td (glaries ) Tj ET Q q 0 0 0 rg BT 442.64 364.25 Td (and ) Tj ET Q q 0 0 0 rg BT 459.57 364.25 Td (thefts ) Tj ET Q q 0 0 0 rg BT 484.27 364.25 Td (and ) Tj ET Q q 0 0 0 rg BT 501.20 364.25 Td (utilizes ) Tj ET Q q 0 0 0 rg BT 532.57 364.25 Td (various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.25 Td (security ) Tj ET Q q 0 0 0 rg BT 84.20 352.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 123.95 352.25 Td (at ) Tj ET Q q 0 0 0 rg BT 133.71 352.25 Td (its ) Tj ET Q q 0 0 0 rg BT 145.70 352.25 Td (facilities, ) Tj ET Q q 0 0 0 rg BT 185.17 352.25 Td (there ) Tj ET Q q 0 0 0 rg BT 207.70 352.25 Td (can ) Tj ET Q q 0 0 0 rg BT 224.12 352.25 Td (be ) Tj ET Q q 0 0 0 rg BT 236.10 352.25 Td (no ) Tj ET Q q 0 0 0 rg BT 248.64 352.25 Td (assurance ) Tj ET Q q 0 0 0 rg BT 290.05 352.25 Td (that ) Tj ET Q q 0 0 0 rg BT 307.59 352.25 Td (robberies, ) Tj ET Q q 0 0 0 rg BT 349.84 352.25 Td (bur) Tj ET Q q 0 0 0 rg BT 362.99 352.25 Td (glaries ) Tj ET Q q 0 0 0 rg BT 392.19 352.25 Td (and ) Tj ET Q q 0 0 0 rg BT 409.17 352.25 Td (thefts ) Tj ET Q q 0 0 0 rg BT 433.93 352.25 Td (will ) Tj ET Q q 0 0 0 rg BT 452.03 352.25 Td (not ) Tj ET Q q 0 0 0 rg BT 467.35 352.25 Td (occur) Tj ET Q q 0 0 0 rg BT 489.01 352.25 Td (. ) Tj ET Q q 0 0 0 rg BT 493.87 352.25 Td (The ) Tj ET Q q 0 0 0 rg BT 511.96 352.25 Td (extent ) Tj ET Q q 0 0 0 rg BT 538.93 352.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.81 352.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.25 Td (Company) Tj ET Q q 0 0 0 rg BT 91.67 340.25 Td (s ) Tj ET Q q 0 0 0 rg BT 97.50 340.25 Td (cash, ) Tj ET Q q 0 0 0 rg BT 119.72 340.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 138.88 340.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 178.02 340.25 Td (and ) Tj ET Q q 0 0 0 rg BT 194.41 340.25 Td (inventory) Tj ET Q q 0 0 0 rg BT 232.08 340.25 Td (, ) Tj ET Q q 0 0 0 rg BT 236.53 340.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 262.37 340.25 Td (or ) Tj ET Q q 0 0 0 rg BT 272.64 340.25 Td (shortages ) Tj ET Q q 0 0 0 rg BT 312.36 340.25 Td (could ) Tj ET Q q 0 0 0 rg BT 336.52 340.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 371.22 340.25 Td (as ) Tj ET Q q 0 0 0 rg BT 381.49 340.25 Td (it ) Tj ET Q q 0 0 0 rg BT 389.00 340.25 Td (expands ) Tj ET Q q 0 0 0 rg BT 423.71 340.25 Td (the ) Tj ET Q q 0 0 0 rg BT 437.87 340.25 Td (nature ) Tj ET Q q 0 0 0 rg BT 464.80 340.25 Td (and ) Tj ET Q q 0 0 0 rg BT 481.19 340.25 Td (scope ) Tj ET Q q 0 0 0 rg BT 505.90 340.25 Td (of ) Tj ET Q q 0 0 0 rg BT 516.18 340.25 Td (its ) Tj ET Q q 0 0 0 rg BT 527.57 340.25 Td (products ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.11 328.25 Td (services. ) Tj ET Q q 0 0 0 rg BT 104.48 328.25 Td (Robberies, ) Tj ET Q q 0 0 0 rg BT 150.20 328.25 Td (bur) Tj ET Q q 0 0 0 rg BT 163.35 328.25 Td (glaries ) Tj ET Q q 0 0 0 rg BT 192.67 328.25 Td (and ) Tj ET Q q 0 0 0 rg BT 209.78 328.25 Td (thefts ) Tj ET Q q 0 0 0 rg BT 234.66 328.25 Td (could ) Tj ET Q q 0 0 0 rg BT 259.55 328.25 Td (lead ) Tj ET Q q 0 0 0 rg BT 278.87 328.25 Td (to ) Tj ET Q q 0 0 0 rg BT 289.32 328.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 315.88 328.25 Td (and ) Tj ET Q q 0 0 0 rg BT 332.99 328.25 Td (shortages ) Tj ET Q q 0 0 0 rg BT 373.42 328.25 Td (and ) Tj ET Q q 0 0 0 rg BT 390.53 328.25 Td (could ) Tj ET Q q 0 0 0 rg BT 415.42 328.25 Td (have ) Tj ET Q q 0 0 0 rg BT 436.96 328.25 Td (a ) Tj ET Q q 0 0 0 rg BT 444.07 328.25 Td (material ) Tj ET Q q 0 0 0 rg BT 479.49 328.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 512.70 328.25 Td (ef) Tj ET Q q 0 0 0 rg BT 520.29 328.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 537.94 328.25 Td (on ) Tj ET Q q 0 0 0 rg BT 550.61 328.25 Td (us. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.25 Td (It ) Tj ET Q q 0 0 0 rg BT 58.88 316.25 Td (is ) Tj ET Q q 0 0 0 rg BT 68.32 316.25 Td (also ) Tj ET Q q 0 0 0 rg BT 87.19 316.25 Td (possible ) Tj ET Q q 0 0 0 rg BT 122.74 316.25 Td (that ) Tj ET Q q 0 0 0 rg BT 140.50 316.25 Td (violent ) Tj ET Q q 0 0 0 rg BT 171.04 316.25 Td (crimes ) Tj ET Q q 0 0 0 rg BT 200.47 316.25 Td (such ) Tj ET Q q 0 0 0 rg BT 221.57 316.25 Td (as ) Tj ET Q q 0 0 0 rg BT 232.67 316.25 Td (armed ) Tj ET Q q 0 0 0 rg BT 260.42 316.25 Td (robberies ) Tj ET Q q 0 0 0 rg BT 300.40 316.25 Td (may ) Tj ET Q q 0 0 0 rg BT 320.38 316.25 Td (be ) Tj ET Q q 0 0 0 rg BT 332.59 316.25 Td (committed ) Tj ET Q q 0 0 0 rg BT 378.13 316.25 Td (at ) Tj ET Q q 0 0 0 rg BT 388.11 316.25 Td (the ) Tj ET Q q 0 0 0 rg BT 403.10 316.25 Td (Company) Tj ET Q q 0 0 0 rg BT 444.76 316.25 Td (s ) Tj ET Q q 0 0 0 rg BT 451.42 316.25 Td (stores. ) Tj ET Q q 0 0 0 rg BT 479.82 316.25 Td (The ) Tj ET Q q 0 0 0 rg BT 498.13 316.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 539.79 316.25 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.25 Td (experience ) Tj ET Q q 0 0 0 rg BT 96.74 304.25 Td (liability ) Tj ET Q q 0 0 0 rg BT 131.28 304.25 Td (or ) Tj ET Q q 0 0 0 rg BT 143.05 304.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 177.03 304.25 Td (publicity ) Tj ET Q q 0 0 0 rg BT 216.02 304.25 Td (arising ) Tj ET Q q 0 0 0 rg BT 246.67 304.25 Td (from ) Tj ET Q q 0 0 0 rg BT 269.55 304.25 Td (such ) Tj ET Q q 0 0 0 rg BT 291.31 304.25 Td (crimes. ) Tj ET Q q 0 0 0 rg BT 323.91 304.25 Td (For ) Tj ET Q q 0 0 0 rg BT 341.24 304.25 Td (example, ) Tj ET Q q 0 0 0 rg BT 381.04 304.25 Td (the ) Tj ET Q q 0 0 0 rg BT 396.70 304.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 439.02 304.25 Td (may ) Tj ET Q q 0 0 0 rg BT 459.68 304.25 Td (be ) Tj ET Q q 0 0 0 rg BT 472.55 304.25 Td (liable ) Tj ET Q q 0 0 0 rg BT 498.20 304.25 Td (if ) Tj ET Q q 0 0 0 rg BT 507.75 304.25 Td (an ) Tj ET Q q 0 0 0 rg BT 520.63 304.25 Td (employee, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.25 Td (customer) Tj ET Q q 0 0 0 rg BT 86.25 292.25 Td (, ) Tj ET Q q 0 0 0 rg BT 92.25 292.25 Td (guard ) Tj ET Q q 0 0 0 rg BT 118.51 292.25 Td (or ) Tj ET Q q 0 0 0 rg BT 130.33 292.25 Td (bystander ) Tj ET Q q 0 0 0 rg BT 172.70 292.25 Td (suf) Tj ET Q q 0 0 0 rg BT 184.74 292.25 Td (fers ) Tj ET Q q 0 0 0 rg BT 203.22 292.25 Td (bodily ) Tj ET Q q 0 0 0 rg BT 232.27 292.25 Td (injury ) Tj ET Q q 0 0 0 rg BT 259.64 292.25 Td (or ) Tj ET Q q 0 0 0 rg BT 271.46 292.25 Td (other ) Tj ET Q q 0 0 0 rg BT 295.50 292.25 Td (harm. ) Tj ET Q q 0 0 0 rg BT 321.27 292.25 Td (Any ) Tj ET Q q 0 0 0 rg BT 341.98 292.25 Td (such ) Tj ET Q q 0 0 0 rg BT 363.80 292.25 Td (event ) Tj ET Q q 0 0 0 rg BT 388.95 292.25 Td (may ) Tj ET Q q 0 0 0 rg BT 409.66 292.25 Td (have ) Tj ET Q q 0 0 0 rg BT 432.03 292.25 Td (a ) Tj ET Q q 0 0 0 rg BT 439.96 292.25 Td (material ) Tj ET Q q 0 0 0 rg BT 476.21 292.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 510.24 292.25 Td (ef) Tj ET Q q 0 0 0 rg BT 517.82 292.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 536.30 292.25 Td (on ) Tj ET Q q 0 0 0 rg BT 549.79 292.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.25 Td (Company) Tj ET Q q 0 0 0 rg BT 88.24 280.25 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 262.25 Td (e ) Tj ET Q q 0 0 0 rg BT 64.52 262.25 Td (are ) Tj ET Q q 0 0 0 rg BT 79.79 262.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 110.61 262.25 Td (to ) Tj ET Q q 0 0 0 rg BT 120.32 262.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 141.70 262.25 Td (associated ) Tj ET Q q 0 0 0 rg BT 185.85 262.25 Td (with ) Tj ET Q q 0 0 0 rg BT 205.58 262.25 Td (leasing ) Tj ET Q q 0 0 0 rg BT 236.96 262.25 Td (substantial ) Tj ET Q q 0 0 0 rg BT 283.91 262.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 321.42 262.25 Td (of ) Tj ET Q q 0 0 0 rg BT 331.68 262.25 Td (space, ) Tj ET Q q 0 0 0 rg BT 358.88 262.25 Td (including ) Tj ET Q q 0 0 0 rg BT 400.27 262.25 Td (future ) Tj ET Q q 0 0 0 rg BT 427.77 262.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 468.03 262.25 Td (in ) Tj ET Q q 0 0 0 rg BT 478.31 262.25 Td (occupancy ) Tj ET Q q 0 0 0 rg BT 524.12 262.25 Td (costs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.62 262.25 Td () Tj ET Q q 0 0 0 rg BT 548.94 262.25 Td (W) Tj ET Q q 0 0 0 rg BT 557.57 262.25 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 72.27 250.25 Td (almost ) Tj ET Q q 0 0 0 rg BT 101.21 250.25 Td (all ) Tj ET Q q 0 0 0 rg BT 113.49 250.25 Td (of ) Tj ET Q q 0 0 0 rg BT 124.10 250.25 Td (our ) Tj ET Q q 0 0 0 rg BT 139.71 250.25 Td (store ) Tj ET Q q 0 0 0 rg BT 161.43 250.25 Td (locations, ) Tj ET Q q 0 0 0 rg BT 202.31 250.25 Td (our ) Tj ET Q q 0 0 0 rg BT 217.92 250.25 Td (corporate ) Tj ET Q q 0 0 0 rg BT 257.95 250.25 Td (headquarters ) Tj ET Q q 0 0 0 rg BT 311.32 250.25 Td (and ) Tj ET Q q 0 0 0 rg BT 328.04 250.25 Td (our ) Tj ET Q q 0 0 0 rg BT 343.65 250.25 Td (distribution ) Tj ET Q q 0 0 0 rg BT 392.04 250.25 Td (centers. ) Tj ET Q q 0 0 0 rg BT 425.14 250.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 442.97 250.25 Td (continued ) Tj ET Q q 0 0 0 rg BT 484.68 250.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 515.29 250.25 Td (and ) Tj ET Q q 0 0 0 rg BT 532.01 250.25 Td (success ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td (depends ) Tj ET Q q 0 0 0 rg BT 85.11 238.25 Td (in ) Tj ET Q q 0 0 0 rg BT 95.23 238.25 Td (part ) Tj ET Q q 0 0 0 rg BT 113.12 238.25 Td (on ) Tj ET Q q 0 0 0 rg BT 125.46 238.25 Td (our ) Tj ET Q q 0 0 0 rg BT 141.13 238.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 169.02 238.25 Td (to ) Tj ET Q q 0 0 0 rg BT 179.14 238.25 Td (locate ) Tj ET Q q 0 0 0 rg BT 205.36 238.25 Td (property ) Tj ET Q q 0 0 0 rg BT 241.57 238.25 Td (for ) Tj ET Q q 0 0 0 rg BT 255.58 238.25 Td (new ) Tj ET Q q 0 0 0 rg BT 274.58 238.25 Td (stores ) Tj ET Q q 0 0 0 rg BT 300.25 238.25 Td (and ) Tj ET Q q 0 0 0 rg BT 317.03 238.25 Td (renew ) Tj ET Q q 0 0 0 rg BT 343.80 238.25 Td (leases ) Tj ET Q q 0 0 0 rg BT 370.02 238.25 Td (for ) Tj ET Q q 0 0 0 rg BT 384.02 238.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 418.02 238.25 Td (locations. ) Tj ET Q q 0 0 0 rg BT 458.80 238.25 Td (There ) Tj ET Q q 0 0 0 rg BT 484.46 238.25 Td (is ) Tj ET Q q 0 0 0 rg BT 493.47 238.25 Td (no ) Tj ET Q q 0 0 0 rg BT 505.81 238.25 Td (assurance ) Tj ET Q q 0 0 0 rg BT 547.02 238.25 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.25 Td (we ) Tj ET Q q 0 0 0 rg BT 63.97 226.25 Td (will ) Tj ET Q q 0 0 0 rg BT 81.83 226.25 Td (be ) Tj ET Q q 0 0 0 rg BT 93.57 226.25 Td (able ) Tj ET Q q 0 0 0 rg BT 112.54 226.25 Td (to ) Tj ET Q q 0 0 0 rg BT 122.62 226.25 Td (locate ) Tj ET Q q 0 0 0 rg BT 148.80 226.25 Td (real ) Tj ET Q q 0 0 0 rg BT 166.09 226.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 191.16 226.25 Td (and ) Tj ET Q q 0 0 0 rg BT 207.90 226.25 Td (negotiate ) Tj ET Q q 0 0 0 rg BT 246.86 226.25 Td (leases ) Tj ET Q q 0 0 0 rg BT 273.04 226.25 Td (for ) Tj ET Q q 0 0 0 rg BT 287.01 226.25 Td (new ) Tj ET Q q 0 0 0 rg BT 305.98 226.25 Td (stores, ) Tj ET Q q 0 0 0 rg BT 334.11 226.25 Td (or ) Tj ET Q q 0 0 0 rg BT 344.75 226.25 Td (renegotiate ) Tj ET Q q 0 0 0 rg BT 391.47 226.25 Td (leases ) Tj ET Q q 0 0 0 rg BT 417.66 226.25 Td (for ) Tj ET Q q 0 0 0 rg BT 431.62 226.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 465.59 226.25 Td (locations ) Tj ET Q q 0 0 0 rg BT 504.00 226.25 Td (on ) Tj ET Q q 0 0 0 rg BT 516.31 226.25 Td (the ) Tj ET Q q 0 0 0 rg BT 530.83 226.25 Td (same ) Tj ET Q q 0 0 0 rg BT 553.69 226.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.25 Td (similar ) Tj ET Q q 0 0 0 rg BT 80.11 214.25 Td (terms, ) Tj ET Q q 0 0 0 rg BT 107.16 214.25 Td (or ) Tj ET Q q 0 0 0 rg BT 117.83 214.25 Td (on ) Tj ET Q q 0 0 0 rg BT 130.17 214.25 Td (favorable ) Tj ET Q q 0 0 0 rg BT 170.26 214.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 194.81 214.25 Td (at ) Tj ET Q q 0 0 0 rg BT 204.36 214.25 Td (all, ) Tj ET Q q 0 0 0 rg BT 219.19 214.25 Td (and ) Tj ET Q q 0 0 0 rg BT 235.97 214.25 Td (we ) Tj ET Q q 0 0 0 rg BT 249.97 214.25 Td (could ) Tj ET Q q 0 0 0 rg BT 274.52 214.25 Td (be ) Tj ET Q q 0 0 0 rg BT 286.29 214.25 Td (forced ) Tj ET Q q 0 0 0 rg BT 314.17 214.25 Td (to ) Tj ET Q q 0 0 0 rg BT 324.28 214.25 Td (move ) Tj ET Q q 0 0 0 rg BT 348.84 214.25 Td (or ) Tj ET Q q 0 0 0 rg BT 359.50 214.25 Td (exit ) Tj ET Q q 0 0 0 rg BT 376.83 214.25 Td (a ) Tj ET Q q 0 0 0 rg BT 383.61 214.25 Td (market ) Tj ET Q q 0 0 0 rg BT 413.71 214.25 Td (as ) Tj ET Q q 0 0 0 rg BT 424.38 214.25 Td (a ) Tj ET Q q 0 0 0 rg BT 431.15 214.25 Td (result. ) Tj ET Q q 0 0 0 rg BT 458.20 214.25 Td (Furthermore, ) Tj ET Q q 0 0 0 rg BT 513.02 214.25 Td (a ) Tj ET Q q 0 0 0 rg BT 519.80 214.25 Td (significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.25 Td (rise ) Tj ET Q q 0 0 0 rg BT 67.48 202.25 Td (in ) Tj ET Q q 0 0 0 rg BT 78.30 202.25 Td (real ) Tj ET Q q 0 0 0 rg BT 96.33 202.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 122.14 202.25 Td (prices ) Tj ET Q q 0 0 0 rg BT 149.06 202.25 Td (or ) Tj ET Q q 0 0 0 rg BT 160.43 202.25 Td (real ) Tj ET Q q 0 0 0 rg BT 178.46 202.25 Td (property ) Tj ET Q q 0 0 0 rg BT 215.38 202.25 Td (taxes ) Tj ET Q q 0 0 0 rg BT 238.97 202.25 Td (could ) Tj ET Q q 0 0 0 rg BT 264.23 202.25 Td (result ) Tj ET Q q 0 0 0 rg BT 289.49 202.25 Td (in ) Tj ET Q q 0 0 0 rg BT 300.32 202.25 Td (an ) Tj ET Q q 0 0 0 rg BT 312.80 202.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 348.59 202.25 Td (in ) Tj ET Q q 0 0 0 rg BT 359.42 202.25 Td (store ) Tj ET Q q 0 0 0 rg BT 381.90 202.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 404.93 202.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 440.18 202.25 Td (as ) Tj ET Q q 0 0 0 rg BT 451.55 202.25 Td (we ) Tj ET Q q 0 0 0 rg BT 466.25 202.25 Td (open ) Tj ET Q q 0 0 0 rg BT 488.74 202.25 Td (new ) Tj ET Q q 0 0 0 rg BT 508.44 202.25 Td (locations ) Tj ET Q q 0 0 0 rg BT 547.59 202.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.25 Td (renew ) Tj ET Q q 0 0 0 rg BT 76.18 190.25 Td (leases ) Tj ET Q q 0 0 0 rg BT 101.80 190.25 Td (for ) Tj ET Q q 0 0 0 rg BT 115.21 190.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 148.62 190.25 Td (locations, ) Tj ET Q q 0 0 0 rg BT 188.97 190.25 Td (thereby ) Tj ET Q q 0 0 0 rg BT 220.70 190.25 Td (negatively ) Tj ET Q q 0 0 0 rg BT 264.10 190.25 Td (impacting ) Tj ET Q q 0 0 0 rg BT 305.84 190.25 Td (our ) Tj ET Q q 0 0 0 rg BT 320.91 190.25 Td (results ) Tj ET Q q 0 0 0 rg BT 348.77 190.25 Td (of ) Tj ET Q q 0 0 0 rg BT 358.85 190.25 Td (operations. ) Tj ET Q q 0 0 0 rg BT 404.75 190.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 422.05 190.25 Td (inability ) Tj ET Q q 0 0 0 rg BT 457.13 190.25 Td (to ) Tj ET Q q 0 0 0 rg BT 466.65 190.25 Td (renew) Tj ET Q q 0 0 0 rg BT 490.43 190.25 Td (, ) Tj ET Q q 0 0 0 rg BT 494.68 190.25 Td (extend ) Tj ET Q q 0 0 0 rg BT 523.08 190.25 Td (or ) Tj ET Q q 0 0 0 rg BT 533.16 190.25 Td (replace ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.25 Td (expiring ) Tj ET Q q 0 0 0 rg BT 85.83 178.25 Td (store ) Tj ET Q q 0 0 0 rg BT 107.76 178.25 Td (leases ) Tj ET Q q 0 0 0 rg BT 134.14 178.25 Td (could ) Tj ET Q q 0 0 0 rg BT 158.86 178.25 Td (have ) Tj ET Q q 0 0 0 rg BT 180.23 178.25 Td (a ) Tj ET Q q 0 0 0 rg BT 187.17 178.25 Td (material ) Tj ET Q q 0 0 0 rg BT 222.43 178.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 255.47 178.25 Td (ef) Tj ET Q q 0 0 0 rg BT 263.06 178.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 280.54 178.25 Td (on ) Tj ET Q q 0 0 0 rg BT 293.04 178.25 Td (us.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 160.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.94 160.25 Td (depend ) Tj ET Q q 0 0 0 rg BT 97.69 160.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 137.76 160.25 Td (on ) Tj ET Q q 0 0 0 rg BT 150.63 160.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 171.26 160.25 Td (flow ) Tj ET Q q 0 0 0 rg BT 192.46 160.25 Td (from ) Tj ET Q q 0 0 0 rg BT 214.77 160.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 259.29 160.25 Td (to ) Tj ET Q q 0 0 0 rg BT 269.93 160.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 287.24 160.25 Td (our ) Tj ET Q q 0 0 0 rg BT 303.43 160.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 326.28 160.25 Td (expenses. ) Tj ET Q q 0 0 0 rg BT 367.75 160.25 Td (If ) Tj ET Q q 0 0 0 rg BT 377.28 160.25 Td (our ) Tj ET Q q 0 0 0 rg BT 393.47 160.25 Td (business ) Tj ET Q q 0 0 0 rg BT 430.23 160.25 Td (does ) Tj ET Q q 0 0 0 rg BT 451.43 160.25 Td (not ) Tj ET Q q 0 0 0 rg BT 467.07 160.25 Td (generate ) Tj ET Q q 0 0 0 rg BT 503.80 160.25 Td (suf) Tj ET Q q 0 0 0 rg BT 515.84 160.25 Td (ficient ) Tj ET Q q 0 0 0 rg BT 544.25 160.25 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.25 Td (flow ) Tj ET Q q 0 0 0 rg BT 70.94 148.25 Td (from ) Tj ET Q q 0 0 0 rg BT 92.99 148.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 133.36 148.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 172.07 148.25 Td (to ) Tj ET Q q 0 0 0 rg BT 182.45 148.25 Td (fund ) Tj ET Q q 0 0 0 rg BT 203.39 148.25 Td (these ) Tj ET Q q 0 0 0 rg BT 226.55 148.25 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 267.76 148.25 Td (we ) Tj ET Q q 0 0 0 rg BT 282.02 148.25 Td (may ) Tj ET Q q 0 0 0 rg BT 301.85 148.25 Td (not ) Tj ET Q q 0 0 0 rg BT 317.24 148.25 Td (be ) Tj ET Q q 0 0 0 rg BT 329.29 148.25 Td (able ) Tj ET Q q 0 0 0 rg BT 348.55 148.25 Td (to ) Tj ET Q q 0 0 0 rg BT 358.94 148.25 Td (service ) Tj ET Q q 0 0 0 rg BT 389.86 148.25 Td (our ) Tj ET Q q 0 0 0 rg BT 405.80 148.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 428.39 148.25 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 469.60 148.25 Td (which ) Tj ET Q q 0 0 0 rg BT 496.65 148.25 Td (could ) Tj ET Q q 0 0 0 rg BT 521.47 148.25 Td (materially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 90.72 136.25 Td (af) Tj ET Q q 0 0 0 rg BT 98.31 136.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 115.71 136.25 Td (us. ) Tj ET Q q 0 0 0 rg BT 129.51 136.25 Td (If ) Tj ET Q q 0 0 0 rg BT 138.58 136.25 Td (an ) Tj ET Q q 0 0 0 rg BT 150.42 136.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 184.50 136.25 Td (or ) Tj ET Q q 0 0 0 rg BT 195.23 136.25 Td (future ) Tj ET Q q 0 0 0 rg BT 221.52 136.25 Td (store ) Tj ET Q q 0 0 0 rg BT 243.37 136.25 Td (is ) Tj ET Q q 0 0 0 rg BT 252.45 136.25 Td (not ) Tj ET Q q 0 0 0 rg BT 267.63 136.25 Td (profitable, ) Tj ET Q q 0 0 0 rg BT 311.41 136.25 Td (and ) Tj ET Q q 0 0 0 rg BT 328.26 136.25 Td (we ) Tj ET Q q 0 0 0 rg BT 342.33 136.25 Td (decide ) Tj ET Q q 0 0 0 rg BT 370.83 136.25 Td (to ) Tj ET Q q 0 0 0 rg BT 381.02 136.25 Td (close ) Tj ET Q q 0 0 0 rg BT 403.98 136.25 Td (it, ) Tj ET Q q 0 0 0 rg BT 414.44 136.25 Td (we ) Tj ET Q q 0 0 0 rg BT 428.51 136.25 Td (may ) Tj ET Q q 0 0 0 rg BT 448.13 136.25 Td (be ) Tj ET Q q 0 0 0 rg BT 459.98 136.25 Td (nonetheless ) Tj ET Q q 0 0 0 rg BT 509.05 136.25 Td (committed ) Tj ET Q q 0 0 0 rg BT 554.22 136.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.25 Td (perform ) Tj ET Q q 0 0 0 rg BT 84.37 124.25 Td (our ) Tj ET Q q 0 0 0 rg BT 99.87 124.25 Td (obligations ) Tj ET Q q 0 0 0 rg BT 146.47 124.25 Td (under ) Tj ET Q q 0 0 0 rg BT 171.41 124.25 Td (the ) Tj ET Q q 0 0 0 rg BT 185.79 124.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 229.04 124.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 251.19 124.25 Td (including, ) Tj ET Q q 0 0 0 rg BT 293.63 124.25 Td (among ) Tj ET Q q 0 0 0 rg BT 323.01 124.25 Td (other ) Tj ET Q q 0 0 0 rg BT 345.72 124.25 Td (things, ) Tj ET Q q 0 0 0 rg BT 374.84 124.25 Td (paying ) Tj ET Q q 0 0 0 rg BT 404.22 124.25 Td (the ) Tj ET Q q 0 0 0 rg BT 418.60 124.25 Td (base ) Tj ET Q q 0 0 0 rg BT 438.53 124.25 Td (rent ) Tj ET Q q 0 0 0 rg BT 456.24 124.25 Td (for ) Tj ET Q q 0 0 0 rg BT 470.07 124.25 Td (the ) Tj ET Q q 0 0 0 rg BT 484.45 124.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 517.15 124.25 Td (of ) Tj ET Q q 0 0 0 rg BT 527.64 124.25 Td (the ) Tj ET Q q 0 0 0 rg BT 542.02 124.25 Td (lease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.25 Td (term. ) Tj ET Q q 0 0 0 rg BT 74.37 112.25 Td (Moreover) Tj ET Q q 0 0 0 rg BT 113.40 112.25 Td (, ) Tj ET Q q 0 0 0 rg BT 119.44 112.25 Td (even ) Tj ET Q q 0 0 0 rg BT 141.86 112.25 Td (if ) Tj ET Q q 0 0 0 rg BT 151.51 112.25 Td (a ) Tj ET Q q 0 0 0 rg BT 159.50 112.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 183.03 112.25 Td (has ) Tj ET Q q 0 0 0 rg BT 199.90 112.25 Td (an ) Tj ET Q q 0 0 0 rg BT 212.88 112.25 Td (early ) Tj ET Q q 0 0 0 rg BT 236.41 112.25 Td (cancellation ) Tj ET Q q 0 0 0 rg BT 288.26 112.25 Td (clause, ) Tj ET Q q 0 0 0 rg BT 319.29 112.25 Td (we ) Tj ET Q q 0 0 0 rg BT 334.50 112.25 Td (might ) Tj ET Q q 0 0 0 rg BT 361.37 112.25 Td (not ) Tj ET Q q 0 0 0 rg BT 377.70 112.25 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 407.35 112.25 Td (the ) Tj ET Q q 0 0 0 rg BT 423.11 112.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 471.07 112.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 526.82 112.25 Td (for ) Tj ET Q q 0 0 0 rg BT 542.02 112.25 Td (early ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.25 Td (cancellation ) Tj ET Q q 0 0 0 rg BT 100.05 100.25 Td (under ) Tj ET Q q 0 0 0 rg BT 124.56 100.25 Td (that ) Tj ET Q q 0 0 0 rg BT 141.30 100.25 Td (lease. ) Tj ET Q q 0 0 0 rg BT 165.52 100.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 182.82 100.25 Td (inability ) Tj ET Q q 0 0 0 rg BT 217.89 100.25 Td (to ) Tj ET Q q 0 0 0 rg BT 227.41 100.25 Td (enter ) Tj ET Q q 0 0 0 rg BT 249.14 100.25 Td (into ) Tj ET Q q 0 0 0 rg BT 266.44 100.25 Td (new ) Tj ET Q q 0 0 0 rg BT 284.84 100.25 Td (leases ) Tj ET Q q 0 0 0 rg BT 310.46 100.25 Td (or ) Tj ET Q q 0 0 0 rg BT 320.53 100.25 Td (renew ) Tj ET Q q 0 0 0 rg BT 346.70 100.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 380.11 100.25 Td (leases ) Tj ET Q q 0 0 0 rg BT 405.73 100.25 Td (on ) Tj ET Q q 0 0 0 rg BT 417.47 100.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 441.43 100.25 Td (acceptable ) Tj ET Q q 0 0 0 rg BT 485.36 100.25 Td (to ) Tj ET Q q 0 0 0 rg BT 494.88 100.25 Td (us, ) Tj ET Q q 0 0 0 rg BT 508.01 100.25 Td (or ) Tj ET Q q 0 0 0 rg BT 518.08 100.25 Td (be ) Tj ET Q q 0 0 0 rg BT 529.27 100.25 Td (released ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.25 Td (from ) Tj ET Q q 0 0 0 rg BT 71.94 88.25 Td (our ) Tj ET Q q 0 0 0 rg BT 87.77 88.25 Td (obligations ) Tj ET Q q 0 0 0 rg BT 134.71 88.25 Td (under ) Tj ET Q q 0 0 0 rg BT 159.98 88.25 Td (leases ) Tj ET Q q 0 0 0 rg BT 186.36 88.25 Td (for ) Tj ET Q q 0 0 0 rg BT 200.52 88.25 Td (stores ) Tj ET Q q 0 0 0 rg BT 226.35 88.25 Td (that ) Tj ET Q q 0 0 0 rg BT 243.84 88.25 Td (we ) Tj ET Q q 0 0 0 rg BT 258.00 88.25 Td (close, ) Tj ET Q q 0 0 0 rg BT 283.55 88.25 Td (could ) Tj ET Q q 0 0 0 rg BT 308.27 88.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 351.30 88.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 392.12 88.25 Td (af) Tj ET Q q 0 0 0 rg BT 399.71 88.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 417.19 88.25 Td (us.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 70.25 Td (Failure ) Tj ET Q q 0 0 0 rg BT 84.00 70.25 Td (to ) Tj ET Q q 0 0 0 rg BT 94.65 70.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 134.77 70.25 Td (positive ) Tj ET Q q 0 0 0 rg BT 168.75 70.25 Td (brand ) Tj ET Q q 0 0 0 rg BT 196.08 70.25 Td (perception ) Tj ET Q q 0 0 0 rg BT 242.29 70.25 Td (and ) Tj ET Q q 0 0 0 rg BT 260.73 70.25 Td (recognition ) Tj ET Q q 0 0 0 rg BT 310.83 70.25 Td (could ) Tj ET Q q 0 0 0 rg BT 336.49 70.25 Td (have ) Tj ET Q q 0 0 0 rg BT 358.80 70.25 Td (a ) Tj ET Q q 0 0 0 rg BT 366.68 70.25 Td (negative ) Tj ET Q q 0 0 0 rg BT 403.99 70.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 434.65 70.25 Td (on ) Tj ET Q q 0 0 0 rg BT 448.09 70.25 Td (our ) Tj ET Q q 0 0 0 rg BT 465.42 70.25 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.93 70.25 Td ( ) Tj ET Q q 0 0 0 rg BT 505.81 70.25 Td (Maintaining ) Tj ET Q q 0 0 0 rg BT 557.57 70.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.25 Td (good ) Tj ET Q q 0 0 0 rg BT 72.32 58.25 Td (reputation ) Tj ET Q q 0 0 0 rg BT 115.18 58.25 Td (is ) Tj ET Q q 0 0 0 rg BT 124.17 58.25 Td (critical ) Tj ET Q q 0 0 0 rg BT 154.25 58.25 Td (to ) Tj ET Q q 0 0 0 rg BT 164.35 58.25 Td (the ) Tj ET Q q 0 0 0 rg BT 178.88 58.25 Td (success ) Tj ET Q q 0 0 0 rg BT 211.19 58.25 Td (of ) Tj ET Q q 0 0 0 rg BT 221.84 58.25 Td (our ) Tj ET Q q 0 0 0 rg BT 237.49 58.25 Td (business. ) Tj ET Q q 0 0 0 rg BT 276.03 58.25 Td (The ) Tj ET Q q 0 0 0 rg BT 293.90 58.25 Td (considerable ) Tj ET Q q 0 0 0 rg BT 346.75 58.25 Td (expansion ) Tj ET Q q 0 0 0 rg BT 389.62 58.25 Td (of ) Tj ET Q q 0 0 0 rg BT 400.27 58.25 Td (the ) Tj ET Q q 0 0 0 rg BT 414.80 58.25 Td (use ) Tj ET Q q 0 0 0 rg BT 430.45 58.25 Td (of ) Tj ET Q q 0 0 0 rg BT 441.10 58.25 Td (social ) Tj ET Q q 0 0 0 rg BT 466.75 58.25 Td (media ) Tj ET Q q 0 0 0 rg BT 493.50 58.25 Td (by ) Tj ET Q q 0 0 0 rg BT 505.82 58.25 Td (our ) Tj ET Q q 0 0 0 rg BT 521.47 58.25 Td (customers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.25 Td (\(including, ) Tj ET Q q 0 0 0 rg BT 96.20 46.25 Td (but ) Tj ET Q q 0 0 0 rg BT 111.58 46.25 Td (not ) Tj ET Q q 0 0 0 rg BT 126.96 46.25 Td (only) Tj ET Q q 0 0 0 rg BT 144.09 46.25 Td (, ) Tj ET Q q 0 0 0 rg BT 149.19 46.25 Td (as ) Tj ET Q q 0 0 0 rg BT 160.11 46.25 Td (a ) Tj ET Q q 0 0 0 rg BT 167.15 46.25 Td (result ) Tj ET Q q 0 0 0 rg BT 191.97 46.25 Td (of ) Tj ET Q q 0 0 0 rg BT 202.90 46.25 Td (our ) Tj ET Q q 0 0 0 rg BT 218.83 46.25 Td (technological ) Tj ET Q q 0 0 0 rg BT 275.29 46.25 Td (outreach\), ) Tj ET Q q 0 0 0 rg BT 318.15 46.25 Td (has ) Tj ET Q q 0 0 0 rg BT 334.08 46.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 374.43 46.25 Td (the ) Tj ET Q q 0 0 0 rg BT 389.24 46.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 406.84 46.25 Td (that ) Tj ET Q q 0 0 0 rg BT 424.44 46.25 Td (our ) Tj ET Q q 0 0 0 rg BT 440.37 46.25 Td (reputation ) Tj ET Q q 0 0 0 rg BT 483.51 46.25 Td (could ) Tj ET Q q 0 0 0 rg BT 508.32 46.25 Td (be ) Tj ET Q q 0 0 0 rg BT 520.36 46.25 Td (negatively ) Tj ET Q endstream endobj 61 0 obj <>] /Rotate 0 /Contents 62 0 R>> endobj 62 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (29) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (impacted ) Tj ET Q q 0 0 0 rg BT 88.89 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 98.91 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 105.59 742.10 Td (short ) Tj ET Q q 0 0 0 rg BT 127.83 742.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 160.06 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 170.63 742.10 Td (time. ) Tj ET Q q 0 0 0 rg BT 193.15 742.10 Td (If ) Tj ET Q q 0 0 0 rg BT 202.05 742.10 Td (we ) Tj ET Q q 0 0 0 rg BT 215.95 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 230.40 742.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 259.29 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 269.31 742.10 Td (quickly ) Tj ET Q q 0 0 0 rg BT 301.54 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 318.22 742.10 Td (ef) Tj ET Q q 0 0 0 rg BT 325.81 742.10 Td (fectively ) Tj ET Q q 0 0 0 rg BT 363.03 742.10 Td (respond ) Tj ET Q q 0 0 0 rg BT 396.93 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 406.95 742.10 Td (criticism ) Tj ET Q q 0 0 0 rg BT 444.18 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 454.75 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 470.32 742.10 Td (brand ) Tj ET Q q 0 0 0 rg BT 495.33 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 505.90 742.10 Td (reputation ) Tj ET Q q 0 0 0 rg BT 548.68 742.10 Td (\(on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (any ) Tj ET Q q 0 0 0 rg BT 66.38 730.10 Td (basis\), ) Tj ET Q q 0 0 0 rg BT 94.16 730.10 Td (we ) Tj ET Q q 0 0 0 rg BT 107.77 730.10 Td (may ) Tj ET Q q 0 0 0 rg BT 126.93 730.10 Td (suf) Tj ET Q q 0 0 0 rg BT 138.97 730.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 152.01 730.10 Td (declines ) Tj ET Q q 0 0 0 rg BT 186.72 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 196.45 730.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 235.05 730.10 Td (loyalty ) Tj ET Q q 0 0 0 rg BT 264.77 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 281.15 730.10 Td (traf) Tj ET Q q 0 0 0 rg BT 294.85 730.10 Td (fic, ) Tj ET Q q 0 0 0 rg BT 309.84 730.10 Td (vendor ) Tj ET Q q 0 0 0 rg BT 339.56 730.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 388.71 730.10 Td (issues, ) Tj ET Q q 0 0 0 rg BT 417.05 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 433.44 730.10 Td (other ) Tj ET Q q 0 0 0 rg BT 455.93 730.10 Td (consequences, ) Tj ET Q q 0 0 0 rg BT 515.35 730.10 Td (all ) Tj ET Q q 0 0 0 rg BT 527.29 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 537.57 730.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (could ) Tj ET Q q 0 0 0 rg BT 74.72 718.10 Td (have ) Tj ET Q q 0 0 0 rg BT 96.09 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 103.03 718.10 Td (material ) Tj ET Q q 0 0 0 rg BT 138.29 718.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 171.33 718.10 Td (ef) Tj ET Q q 0 0 0 rg BT 178.92 718.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 196.40 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 208.90 718.10 Td (us.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 700.10 Td (e ) Tj ET Q q 0 0 0 rg BT 64.50 700.10 Td (utilize ) Tj ET Q q 0 0 0 rg BT 91.43 700.10 Td (three ) Tj ET Q q 0 0 0 rg BT 114.45 700.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 160.82 700.10 Td (home ) Tj ET Q q 0 0 0 rg BT 185.51 700.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 219.63 700.10 Td (service ) Tj ET Q q 0 0 0 rg BT 249.86 700.10 Td (providers. ) Tj ET Q q 0 0 0 rg BT 292.61 700.10 Td (The ) Tj ET Q q 0 0 0 rg BT 310.63 700.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 328.11 700.10 Td (of ) Tj ET Q q 0 0 0 rg BT 338.36 700.10 Td (any ) Tj ET Q q 0 0 0 rg BT 355.27 700.10 Td (one ) Tj ET Q q 0 0 0 rg BT 372.19 700.10 Td (provider ) Tj ET Q q 0 0 0 rg BT 408.54 700.10 Td (could ) Tj ET Q q 0 0 0 rg BT 433.24 700.10 Td (have ) Tj ET Q q 0 0 0 rg BT 454.59 700.10 Td (a ) Tj ET Q q 0 0 0 rg BT 461.51 700.10 Td (material ) Tj ET Q q 0 0 0 rg BT 497.87 700.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 534.22 700.10 Td (impact ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (on ) Tj ET Q q 0 0 0 rg BT 63.48 688.10 Td (our ) Tj ET Q q 0 0 0 rg BT 80.84 688.10 Td (home ) Tj ET Q q 0 0 0 rg BT 106.54 688.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 141.65 688.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 190.41 688.10 Td (If ) Tj ET Q q 0 0 0 rg BT 200.54 688.10 Td (our ) Tj ET Q q 0 0 0 rg BT 217.91 688.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 265.27 688.10 Td (merchandise ) Tj ET Q q 0 0 0 rg BT 320.96 688.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 356.08 688.10 Td (services ) Tj ET Q q 0 0 0 rg BT 391.20 688.10 Td (are ) Tj ET Q q 0 0 0 rg BT 407.44 688.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 438.70 688.10 Td (to ) Tj ET Q q 0 0 0 rg BT 449.39 688.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 471.74 688.10 Td (our ) Tj ET Q q 0 0 0 rg BT 489.11 688.10 Td (promised ) Tj ET Q q 0 0 0 rg BT 529.80 688.10 Td (delivery ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (schedule, ) Tj ET Q q 0 0 0 rg BT 90.94 676.10 Td (or ) Tj ET Q q 0 0 0 rg BT 102.17 676.10 Td (are ) Tj ET Q q 0 0 0 rg BT 117.84 676.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 148.51 676.10 Td (to ) Tj ET Q q 0 0 0 rg BT 158.63 676.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 198.20 676.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 233.30 676.10 Td (controls, ) Tj ET Q q 0 0 0 rg BT 271.48 676.10 Td (our ) Tj ET Q q 0 0 0 rg BT 288.27 676.10 Td (net ) Tj ET Q q 0 0 0 rg BT 303.38 676.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 325.71 676.10 Td (may ) Tj ET Q q 0 0 0 rg BT 345.27 676.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 377.04 676.10 Td (due ) Tj ET Q q 0 0 0 rg BT 394.37 676.10 Td (to ) Tj ET Q q 0 0 0 rg BT 404.48 676.10 Td (a ) Tj ET Q q 0 0 0 rg BT 411.82 676.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 443.59 676.10 Td (in ) Tj ET Q q 0 0 0 rg BT 454.26 676.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 494.38 676.10 Td (satisfaction, ) Tj ET Q q 0 0 0 rg BT 546.44 676.10 Td (and ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (profitability ) Tj ET Q q 0 0 0 rg BT 99.99 664.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 124.41 664.10 Td (may ) Tj ET Q q 0 0 0 rg BT 143.28 664.10 Td (be ) Tj ET Q q 0 0 0 rg BT 154.38 664.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 197.69 664.10 Td (impacted.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.40 664.10 Td (For ) Tj ET Q q 0 0 0 rg BT 255.45 664.10 Td (many ) Tj ET Q q 0 0 0 rg BT 279.32 664.10 Td (purchases, ) Tj ET Q q 0 0 0 rg BT 322.91 664.10 Td (we ) Tj ET Q q 0 0 0 rg BT 336.23 664.10 Td (of) Tj ET Q q 0 0 0 rg BT 344.38 664.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 357.13 664.10 Td (next ) Tj ET Q q 0 0 0 rg BT 376.01 664.10 Td (day ) Tj ET Q q 0 0 0 rg BT 392.10 664.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 426.53 664.10 Td (to ) Tj ET Q q 0 0 0 rg BT 435.96 664.10 Td (our ) Tj ET Q q 0 0 0 rg BT 450.95 664.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 493.15 664.10 Td (that ) Tj ET Q q 0 0 0 rg BT 509.81 664.10 Td (we ) Tj ET Q q 0 0 0 rg BT 523.13 664.10 Td (outsource ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.97 652.10 Td (one ) Tj ET Q q 0 0 0 rg BT 76.60 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 87.13 652.10 Td (three ) Tj ET Q q 0 0 0 rg BT 109.31 652.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 154.27 652.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 189.22 652.10 Td (service ) Tj ET Q q 0 0 0 rg BT 219.73 652.10 Td (providers. ) Tj ET Q q 0 0 0 rg BT 262.04 652.10 Td (The ) Tj ET Q q 0 0 0 rg BT 279.78 652.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 297.53 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 308.06 652.10 Td (any ) Tj ET Q q 0 0 0 rg BT 324.69 652.10 Td (one ) Tj ET Q q 0 0 0 rg BT 341.32 652.10 Td (service ) Tj ET Q q 0 0 0 rg BT 371.83 652.10 Td (provider) Tj ET Q q 0 0 0 rg BT 405.31 652.10 Td (, ) Tj ET Q q 0 0 0 rg BT 410.00 652.10 Td (or ) Tj ET Q q 0 0 0 rg BT 420.52 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 434.93 652.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 463.22 652.10 Td (to ) Tj ET Q q 0 0 0 rg BT 473.19 652.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 510.38 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 527.02 652.10 Td (maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 103.08 640.10 Td (with ) Tj ET Q q 0 0 0 rg BT 122.83 640.10 Td (these ) Tj ET Q q 0 0 0 rg BT 145.35 640.10 Td (or ) Tj ET Q q 0 0 0 rg BT 155.65 640.10 Td (other ) Tj ET Q q 0 0 0 rg BT 178.17 640.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 207.92 640.10 Td (service ) Tj ET Q q 0 0 0 rg BT 238.20 640.10 Td (providers, ) Tj ET Q q 0 0 0 rg BT 280.44 640.10 Td (could ) Tj ET Q q 0 0 0 rg BT 304.63 640.10 Td (have ) Tj ET Q q 0 0 0 rg BT 325.48 640.10 Td (a ) Tj ET Q q 0 0 0 rg BT 331.89 640.10 Td (material ) Tj ET Q q 0 0 0 rg BT 366.63 640.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 402.47 640.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 431.66 640.10 Td (on ) Tj ET Q q 0 0 0 rg BT 443.63 640.10 Td (our ) Tj ET Q q 0 0 0 rg BT 458.93 640.10 Td (home ) Tj ET Q q 0 0 0 rg BT 483.12 640.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 517.86 640.10 Td (operations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (These ) Tj ET Q q 0 0 0 rg BT 76.20 628.10 Td (third-parties ) Tj ET Q q 0 0 0 rg BT 127.40 628.10 Td (are ) Tj ET Q q 0 0 0 rg BT 141.93 628.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 172.58 628.10 Td (to ) Tj ET Q q 0 0 0 rg BT 182.69 628.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 203.91 628.10 Td (that ) Tj ET Q q 0 0 0 rg BT 221.23 628.10 Td (are ) Tj ET Q q 0 0 0 rg BT 235.76 628.10 Td (beyond ) Tj ET Q q 0 0 0 rg BT 267.52 628.10 Td (our ) Tj ET Q q 0 0 0 rg BT 283.18 628.10 Td (control ) Tj ET Q q 0 0 0 rg BT 313.83 628.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 333.09 628.10 Td (if ) Tj ET Q q 0 0 0 rg BT 341.53 628.10 Td (they ) Tj ET Q q 0 0 0 rg BT 361.07 628.10 Td (fail ) Tj ET Q q 0 0 0 rg BT 376.72 628.10 Td (to ) Tj ET Q q 0 0 0 rg BT 386.83 628.10 Td (timely ) Tj ET Q q 0 0 0 rg BT 414.70 628.10 Td (or ) Tj ET Q q 0 0 0 rg BT 425.36 628.10 Td (satisfactorily ) Tj ET Q q 0 0 0 rg BT 479.33 628.10 Td (deliver ) Tj ET Q q 0 0 0 rg BT 509.42 628.10 Td (our ) Tj ET Q q 0 0 0 rg BT 525.08 628.10 Td (products, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (we ) Tj ET Q q 0 0 0 rg BT 64.28 616.10 Td (may ) Tj ET Q q 0 0 0 rg BT 84.12 616.10 Td (lose ) Tj ET Q q 0 0 0 rg BT 102.84 616.10 Td (business ) Tj ET Q q 0 0 0 rg BT 139.36 616.10 Td (from ) Tj ET Q q 0 0 0 rg BT 161.41 616.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 204.58 616.10 Td (in ) Tj ET Q q 0 0 0 rg BT 214.98 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 229.81 616.10 Td (future ) Tj ET Q q 0 0 0 rg BT 256.31 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 273.37 616.10 Td (could ) Tj ET Q q 0 0 0 rg BT 298.21 616.10 Td (suf) Tj ET Q q 0 0 0 rg BT 310.25 616.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 323.96 616.10 Td (damage ) Tj ET Q q 0 0 0 rg BT 357.68 616.10 Td (to ) Tj ET Q q 0 0 0 rg BT 368.08 616.10 Td (our ) Tj ET Q q 0 0 0 rg BT 384.03 616.10 Td (reputation. ) Tj ET Q q 0 0 0 rg BT 429.50 616.10 Td (The ) Tj ET Q q 0 0 0 rg BT 447.66 616.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 465.85 616.10 Td (of ) Tj ET Q q 0 0 0 rg BT 476.80 616.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 519.96 616.10 Td (or ) Tj ET Q q 0 0 0 rg BT 530.91 616.10 Td (damage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.69 604.10 Td (our ) Tj ET Q q 0 0 0 rg BT 76.94 604.10 Td (reputation ) Tj ET Q q 0 0 0 rg BT 120.40 604.10 Td (could ) Tj ET Q q 0 0 0 rg BT 145.53 604.10 Td (have ) Tj ET Q q 0 0 0 rg BT 167.33 604.10 Td (a ) Tj ET Q q 0 0 0 rg BT 174.68 604.10 Td (material ) Tj ET Q q 0 0 0 rg BT 210.36 604.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 243.81 604.10 Td (ef) Tj ET Q q 0 0 0 rg BT 251.40 604.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 269.30 604.10 Td (on ) Tj ET Q q 0 0 0 rg BT 282.22 604.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 296.52 604.10 Td (Further) Tj ET Q q 0 0 0 rg BT 325.56 604.10 Td (, ) Tj ET Q q 0 0 0 rg BT 330.98 604.10 Td (if ) Tj ET Q q 0 0 0 rg BT 340.00 604.10 Td (our ) Tj ET Q q 0 0 0 rg BT 356.25 604.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 401.93 604.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 437.61 604.10 Td (service ) Tj ET Q q 0 0 0 rg BT 468.84 604.10 Td (providers ) Tj ET Q q 0 0 0 rg BT 509.53 604.10 Td (are ) Tj ET Q q 0 0 0 rg BT 524.65 604.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 554.22 604.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 87.49 592.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 122.20 592.10 Td (controls, ) Tj ET Q q 0 0 0 rg BT 159.41 592.10 Td (our ) Tj ET Q q 0 0 0 rg BT 175.24 592.10 Td (profitability ) Tj ET Q q 0 0 0 rg BT 225.51 592.10 Td (and ) Tj ET Q q 0 0 0 rg BT 242.45 592.10 Td (results ) Tj ET Q q 0 0 0 rg BT 271.06 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 281.89 592.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 326.04 592.10 Td (may ) Tj ET Q q 0 0 0 rg BT 345.76 592.10 Td (be ) Tj ET Q q 0 0 0 rg BT 357.70 592.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 401.85 592.10 Td (impacted.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 69.51 574.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 100.13 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 110.74 574.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 150.81 574.10 Td (an ) Tj ET Q q 0 0 0 rg BT 164.21 574.10 Td (ef) Tj ET Q q 0 0 0 rg BT 171.80 574.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 201.27 574.10 Td (system ) Tj ET Q q 0 0 0 rg BT 231.33 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 242.49 574.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 278.12 574.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 314.29 574.10 Td (could ) Tj ET Q q 0 0 0 rg BT 339.91 574.10 Td (result ) Tj ET Q q 0 0 0 rg BT 366.08 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 377.26 574.10 Td (inaccurate ) Tj ET Q q 0 0 0 rg BT 423.98 574.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 465.16 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 476.32 574.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 516.38 574.10 Td (results ) Tj ET Q q 0 0 0 rg BT 546.45 574.10 Td (and ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (harm ) Tj ET Q q 0 0 0 rg BT 74.89 562.10 Td (our ) Tj ET Q q 0 0 0 rg BT 92.00 562.10 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.51 562.10 Td ( ) Tj ET Q q 0 0 0 rg BT 131.98 562.10 Td (W) Tj ET Q q 0 0 0 rg BT 140.61 562.10 Td (e ) Tj ET Q q 0 0 0 rg BT 147.71 562.10 Td (are ) Tj ET Q q 0 0 0 rg BT 162.57 562.10 Td (required ) Tj ET Q q 0 0 0 rg BT 198.54 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 208.98 562.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 241.63 562.10 Td (with ) Tj ET Q q 0 0 0 rg BT 262.06 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 269.16 562.10 Td (variety ) Tj ET Q q 0 0 0 rg BT 299.58 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 310.56 562.10 Td (reporting, ) Tj ET Q q 0 0 0 rg BT 352.38 562.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 398.90 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 416.00 562.10 Td (other ) Tj ET Q q 0 0 0 rg BT 439.20 562.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 461.30 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 478.39 562.10 Td (regulations. ) Tj ET Q q 0 0 0 rg BT 527.40 562.10 Td (As ) Tj ET Q q 0 0 0 rg BT 541.17 562.10 Td (such, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (we ) Tj ET Q q 0 0 0 rg BT 64.11 550.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 101.55 550.10 Td (a ) Tj ET Q q 0 0 0 rg BT 108.44 550.10 Td (system ) Tj ET Q q 0 0 0 rg BT 138.67 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 149.45 550.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 182.45 550.10 Td (control ) Tj ET Q q 0 0 0 rg BT 213.22 550.10 Td (over ) Tj ET Q q 0 0 0 rg BT 233.44 550.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 270.87 550.10 Td (reporting, ) Tj ET Q q 0 0 0 rg BT 312.48 550.10 Td (but ) Tj ET Q q 0 0 0 rg BT 327.71 550.10 Td (there ) Tj ET Q q 0 0 0 rg BT 350.15 550.10 Td (are ) Tj ET Q q 0 0 0 rg BT 364.80 550.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 410.03 550.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 445.25 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 455.48 550.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 488.47 550.10 Td (control ) Tj ET Q q 0 0 0 rg BT 519.25 550.10 Td (systems. ) Tj ET Q q 0 0 0 rg BT 555.33 550.10 Td (A) Tj ET Q q 0 0 0 rg BT 562.00 550.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (control ) Tj ET Q q 0 0 0 rg BT 80.60 538.10 Td (system ) Tj ET Q q 0 0 0 rg BT 110.66 538.10 Td (can ) Tj ET Q q 0 0 0 rg BT 126.81 538.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 159.63 538.10 Td (only ) Tj ET Q q 0 0 0 rg BT 179.69 538.10 Td (reasonable, ) Tj ET Q q 0 0 0 rg BT 227.22 538.10 Td (not ) Tj ET Q q 0 0 0 rg BT 242.28 538.10 Td (absolute, ) Tj ET Q q 0 0 0 rg BT 280.38 538.10 Td (assurance ) Tj ET Q q 0 0 0 rg BT 321.52 538.10 Td (that ) Tj ET Q q 0 0 0 rg BT 338.79 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 353.29 538.10 Td (objectives ) Tj ET Q q 0 0 0 rg BT 396.11 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 406.71 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 421.21 538.10 Td (control ) Tj ET Q q 0 0 0 rg BT 451.81 538.10 Td (system ) Tj ET Q q 0 0 0 rg BT 481.86 538.10 Td (are ) Tj ET Q q 0 0 0 rg BT 496.35 538.10 Td (met. ) Tj ET Q q 0 0 0 rg BT 516.12 538.10 Td (In ) Tj ET Q q 0 0 0 rg BT 526.73 538.10 Td (addition, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 63.98 526.10 Td (design ) Tj ET Q q 0 0 0 rg BT 91.86 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 101.96 526.10 Td (a ) Tj ET Q q 0 0 0 rg BT 108.16 526.10 Td (control ) Tj ET Q q 0 0 0 rg BT 138.25 526.10 Td (system ) Tj ET Q q 0 0 0 rg BT 167.80 526.10 Td (must ) Tj ET Q q 0 0 0 rg BT 189.01 526.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 216.31 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.29 526.10 Td (fact ) Tj ET Q q 0 0 0 rg BT 247.05 526.10 Td (that ) Tj ET Q q 0 0 0 rg BT 263.81 526.10 Td (there ) Tj ET Q q 0 0 0 rg BT 285.56 526.10 Td (are ) Tj ET Q q 0 0 0 rg BT 299.53 526.10 Td (resource ) Tj ET Q q 0 0 0 rg BT 335.17 526.10 Td (constraints ) Tj ET Q q 0 0 0 rg BT 380.26 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 396.46 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 410.45 526.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 439.98 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 450.07 526.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 484.06 526.10 Td (must ) Tj ET Q q 0 0 0 rg BT 505.27 526.10 Td (be ) Tj ET Q q 0 0 0 rg BT 516.48 526.10 Td (appropriate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (relative ) Tj ET Q q 0 0 0 rg BT 81.97 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 91.74 514.10 Td (their ) Tj ET Q q 0 0 0 rg BT 112.05 514.10 Td (costs. ) Tj ET Q q 0 0 0 rg BT 136.54 514.10 Td (Furthermore, ) Tj ET Q q 0 0 0 rg BT 191.02 514.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 239.10 514.10 Td (with ) Tj ET Q q 0 0 0 rg BT 258.86 514.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 292.52 514.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 346.71 514.10 Td (is ) Tj ET Q q 0 0 0 rg BT 355.37 514.10 Td (expensive ) Tj ET Q q 0 0 0 rg BT 397.35 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 413.77 514.10 Td (we ) Tj ET Q q 0 0 0 rg BT 427.42 514.10 Td (may ) Tj ET Q q 0 0 0 rg BT 446.63 514.10 Td (need ) Tj ET Q q 0 0 0 rg BT 467.50 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 477.27 514.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 522.02 514.10 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 82.20 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 99.41 502.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 146.06 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 163.27 502.10 Td (other ) Tj ET Q q 0 0 0 rg BT 186.59 502.10 Td (systems, ) Tj ET Q q 0 0 0 rg BT 223.54 502.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 270.18 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 287.39 502.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 322.39 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 332.94 502.10 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 361.82 502.10 Td (our ) Tj ET Q q 0 0 0 rg BT 377.93 502.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 417.36 502.10 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 474.83 502.10 Td (If ) Tj ET Q q 0 0 0 rg BT 484.27 502.10 Td (our ) Tj ET Q q 0 0 0 rg BT 500.38 502.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 533.69 502.10 Td (control ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (over ) Tj ET Q q 0 0 0 rg BT 71.19 490.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 109.59 490.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 149.66 490.10 Td (is ) Tj ET Q q 0 0 0 rg BT 159.75 490.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 208.15 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 219.35 490.10 Td (be ) Tj ET Q q 0 0 0 rg BT 232.21 490.10 Td (inef) Tj ET Q q 0 0 0 rg BT 247.57 490.10 Td (fective, ) Tj ET Q q 0 0 0 rg BT 280.70 490.10 Td (such ) Tj ET Q q 0 0 0 rg BT 302.44 490.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 331.96 490.10 Td (could ) Tj ET Q q 0 0 0 rg BT 357.59 490.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 383.22 490.10 Td (investors ) Tj ET Q q 0 0 0 rg BT 422.75 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 433.95 490.10 Td (lose ) Tj ET Q q 0 0 0 rg BT 453.47 490.10 Td (confidence ) Tj ET Q q 0 0 0 rg BT 500.76 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 511.95 490.10 Td (our ) Tj ET Q q 0 0 0 rg BT 528.70 490.10 Td (reported ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 86.67 478.10 Td (information, ) Tj ET Q q 0 0 0 rg BT 138.07 478.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 181.42 478.10 Td (af) Tj ET Q q 0 0 0 rg BT 189.00 478.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 205.68 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 219.59 478.10 Td (market ) Tj ET Q q 0 0 0 rg BT 249.04 478.10 Td (price ) Tj ET Q q 0 0 0 rg BT 270.72 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 280.74 478.10 Td (our ) Tj ET Q q 0 0 0 rg BT 295.76 478.10 Td (common ) Tj ET Q q 0 0 0 rg BT 332.45 478.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 357.75 478.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 387.76 478.10 Td (us ) Tj ET Q q 0 0 0 rg BT 398.34 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 407.81 478.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 450.60 478.10 Td (investigations ) Tj ET Q q 0 0 0 rg BT 507.84 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 523.97 478.10 Td (penalties, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 466.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 108.32 466.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 151.35 466.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 192.17 466.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 221.88 466.10 Td (us.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 75.38 448.10 Td (market ) Tj ET Q q 0 0 0 rg BT 106.87 448.10 Td (volatility ) Tj ET Q q 0 0 0 rg BT 145.02 448.10 Td (may ) Tj ET Q q 0 0 0 rg BT 164.84 448.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 209.11 448.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 250.03 448.10 Td (af) Tj ET Q q 0 0 0 rg BT 258.18 448.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 275.77 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 291.15 448.10 Td (market ) Tj ET Q q 0 0 0 rg BT 322.64 448.10 Td (price ) Tj ET Q q 0 0 0 rg BT 345.79 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 356.73 448.10 Td (our ) Tj ET Q q 0 0 0 rg BT 373.78 448.10 Td (common ) Tj ET Q q 0 0 0 rg BT 411.94 448.10 Td (stock.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.55 448.10 Td ( ) Tj ET Q q 0 0 0 rg BT 437.97 448.10 Td (The ) Tj ET Q q 0 0 0 rg BT 456.12 448.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 503.30 448.10 Td (common ) Tj ET Q q 0 0 0 rg BT 540.90 448.10 Td (stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (price ) Tj ET Q q 0 0 0 rg BT 73.14 436.10 Td (has ) Tj ET Q q 0 0 0 rg BT 89.63 436.10 Td (been ) Tj ET Q q 0 0 0 rg BT 111.67 436.10 Td (and ) Tj ET Q q 0 0 0 rg BT 129.27 436.10 Td (is ) Tj ET Q q 0 0 0 rg BT 139.10 436.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 165.03 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 175.97 436.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 213.56 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 224.50 436.10 Td (be ) Tj ET Q q 0 0 0 rg BT 237.09 436.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 268.58 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 279.52 436.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 324.89 436.10 Td (volatility) Tj ET Q q 0 0 0 rg BT 360.35 436.10 Td (. ) Tj ET Q q 0 0 0 rg BT 365.31 436.10 Td (A) Tj ET Q q 0 0 0 rg BT 371.98 436.10 Td ( ) Tj ET Q q 0 0 0 rg BT 375.14 436.10 Td (variety ) Tj ET Q q 0 0 0 rg BT 406.06 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 417.55 436.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 447.92 436.10 Td (could ) Tj ET Q q 0 0 0 rg BT 473.29 436.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 498.66 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 514.03 436.10 Td (price ) Tj ET Q q 0 0 0 rg BT 537.18 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 548.67 436.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (common ) Tj ET Q q 0 0 0 rg BT 87.50 424.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 111.10 424.10 Td (to ) Tj ET Q q 0 0 0 rg BT 121.38 424.10 Td (fluctuate ) Tj ET Q q 0 0 0 rg BT 158.86 424.10 Td (substantially) Tj ET Q q 0 0 0 rg BT 208.76 424.10 Td (, ) Tj ET Q q 0 0 0 rg BT 213.76 424.10 Td (including:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 406.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 406.10 Td (General ) Tj ET Q q 0 0 0 rg BT 121.05 406.10 Td (market ) Tj ET Q q 0 0 0 rg BT 152.21 406.10 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 202.83 406.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 241.23 406.10 Td (from ) Tj ET Q q 0 0 0 rg BT 264.07 406.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 294.68 406.10 Td (not ) Tj ET Q q 0 0 0 rg BT 310.86 406.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 344.80 406.10 Td (related ) Tj ET Q q 0 0 0 rg BT 375.41 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 386.59 406.10 Td (our ) Tj ET Q q 0 0 0 rg BT 403.32 406.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 448.38 406.10 Td (or ) Tj ET Q q 0 0 0 rg BT 460.11 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 475.73 406.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 511.89 406.10 Td (value ) Tj ET Q q 0 0 0 rg BT 536.95 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 548.68 406.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 394.10 Td (common ) Tj ET Q q 0 0 0 rg BT 123.50 394.10 Td (stock;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 376.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 376.10 Td (State ) Tj ET Q q 0 0 0 rg BT 108.13 376.10 Td (or ) Tj ET Q q 0 0 0 rg BT 118.59 376.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 148.48 376.10 Td (legislative ) Tj ET Q q 0 0 0 rg BT 191.71 376.10 Td (or ) Tj ET Q q 0 0 0 rg BT 202.18 376.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 245.40 376.10 Td (proposals, ) Tj ET Q q 0 0 0 rg BT 288.37 376.10 Td (initiatives, ) Tj ET Q q 0 0 0 rg BT 332.44 376.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 362.90 376.10 Td (or ) Tj ET Q q 0 0 0 rg BT 373.36 376.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 407.70 376.10 Td (that ) Tj ET Q q 0 0 0 rg BT 424.83 376.10 Td (are, ) Tj ET Q q 0 0 0 rg BT 441.67 376.10 Td (or ) Tj ET Q q 0 0 0 rg BT 452.14 376.10 Td (are ) Tj ET Q q 0 0 0 rg BT 466.48 376.10 Td (perceived ) Tj ET Q q 0 0 0 rg BT 507.47 376.10 Td (to ) Tj ET Q q 0 0 0 rg BT 517.39 376.10 Td (be, ) Tj ET Q q 0 0 0 rg BT 531.46 376.10 Td (adverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 364.10 Td (to ) Tj ET Q q 0 0 0 rg BT 96.28 364.10 Td (our ) Tj ET Q q 0 0 0 rg BT 112.11 364.10 Td (operations;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 346.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 346.10 Td (Announcements of developments related to our business or our competitors;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 328.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 328.10 Td (Fluctuations in our operating results and the provision for bad debts;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 310.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 310.10 Td (General ) Tj ET Q q 0 0 0 rg BT 119.86 310.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 163.74 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 173.73 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.16 310.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 229.25 310.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 266.44 310.10 Td (service ) Tj ET Q q 0 0 0 rg BT 296.97 310.10 Td (industry) Tj ET Q q 0 0 0 rg BT 329.10 310.10 Td (, ) Tj ET Q q 0 0 0 rg BT 333.81 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.24 310.10 Td (domestic ) Tj ET Q q 0 0 0 rg BT 386.56 310.10 Td (or ) Tj ET Q q 0 0 0 rg BT 397.10 310.10 Td (global ) Tj ET Q q 0 0 0 rg BT 424.31 310.10 Td (economy ) Tj ET Q q 0 0 0 rg BT 463.18 310.10 Td (or ) Tj ET Q q 0 0 0 rg BT 473.73 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 488.16 310.10 Td (domestic ) Tj ET Q q 0 0 0 rg BT 526.47 310.10 Td (or ) Tj ET Q q 0 0 0 rg BT 537.02 310.10 Td (global ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 298.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 111.26 298.10 Td (or ) Tj ET Q q 0 0 0 rg BT 122.09 298.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 151.24 298.10 Td (markets;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 280.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 280.10 Td (Changes in financial estimates by securities analysts;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 262.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 262.10 Td (Our failure to meet the expectations of securities analysts or investors;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 244.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 244.10 Td (Negative commentary regarding us and corresponding short-selling market behavior;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 226.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 226.10 Td (Adverse developments in our relationships with our customers or vendors;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 208.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 208.10 Td (Legal proceedings brought against the Company or its of) Tj ET Q q 0 0 0 rg BT 313.54 208.10 Td (ficers and directors; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 190.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 190.10 Td (Changes in our senior management team.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (Due ) Tj ET Q q 0 0 0 rg BT 69.08 172.10 Td (to ) Tj ET Q q 0 0 0 rg BT 79.28 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 93.92 172.10 Td (volatility ) Tj ET Q q 0 0 0 rg BT 132.45 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 143.20 172.10 Td (our ) Tj ET Q q 0 0 0 rg BT 158.95 172.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 182.48 172.10 Td (price, ) Tj ET Q q 0 0 0 rg BT 207.38 172.10 Td (we ) Tj ET Q q 0 0 0 rg BT 221.47 172.10 Td (are ) Tj ET Q q 0 0 0 rg BT 236.09 172.10 Td (and ) Tj ET Q q 0 0 0 rg BT 252.95 172.10 Td (may ) Tj ET Q q 0 0 0 rg BT 272.59 172.10 Td (be ) Tj ET Q q 0 0 0 rg BT 284.45 172.10 Td (in ) Tj ET Q q 0 0 0 rg BT 294.65 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 309.29 172.10 Td (future ) Tj ET Q q 0 0 0 rg BT 335.58 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 350.22 172.10 Td (tar) Tj ET Q q 0 0 0 rg BT 360.59 172.10 Td (get ) Tj ET Q q 0 0 0 rg BT 375.23 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 385.98 172.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 426.16 172.10 Td (litigation. ) Tj ET Q q 0 0 0 rg BT 467.19 172.10 Td (Such ) Tj ET Q q 0 0 0 rg BT 489.61 172.10 Td (lawsuits ) Tj ET Q q 0 0 0 rg BT 524.81 172.10 Td (generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (result ) Tj ET Q q 0 0 0 rg BT 74.19 160.10 Td (in ) Tj ET Q q 0 0 0 rg BT 83.95 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 98.14 160.10 Td (diversion ) Tj ET Q q 0 0 0 rg BT 137.33 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 147.64 160.10 Td (management's ) Tj ET Q q 0 0 0 rg BT 206.40 160.10 Td (time ) Tj ET Q q 0 0 0 rg BT 226.15 160.10 Td (and ) Tj ET Q q 0 0 0 rg BT 242.57 160.10 Td (attention ) Tj ET Q q 0 0 0 rg BT 279.53 160.10 Td (away ) Tj ET Q q 0 0 0 rg BT 302.61 160.10 Td (from ) Tj ET Q q 0 0 0 rg BT 324.02 160.10 Td (business ) Tj ET Q q 0 0 0 rg BT 359.89 160.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 406.02 160.10 Td (which ) Tj ET Q q 0 0 0 rg BT 432.44 160.10 Td (could ) Tj ET Q q 0 0 0 rg BT 456.63 160.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 499.14 160.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 539.44 160.10 Td (af) Tj ET Q q 0 0 0 rg BT 547.02 160.10 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 63.46 148.10 Td (In ) Tj ET Q q 0 0 0 rg BT 73.87 148.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 111.21 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 125.50 148.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 147.58 148.10 Td (of ) Tj ET Q q 0 0 0 rg BT 157.98 148.10 Td (defense ) Tj ET Q q 0 0 0 rg BT 190.59 148.10 Td (and ) Tj ET Q q 0 0 0 rg BT 207.10 148.10 Td (any ) Tj ET Q q 0 0 0 rg BT 223.61 148.10 Td (damages ) Tj ET Q q 0 0 0 rg BT 260.67 148.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 297.74 148.10 Td (from ) Tj ET Q q 0 0 0 rg BT 319.25 148.10 Td (such ) Tj ET Q q 0 0 0 rg BT 339.65 148.10 Td (litigation, ) Tj ET Q q 0 0 0 rg BT 380.33 148.10 Td (a ) Tj ET Q q 0 0 0 rg BT 386.84 148.10 Td (ruling ) Tj ET Q q 0 0 0 rg BT 412.80 148.10 Td (against ) Tj ET Q q 0 0 0 rg BT 443.20 148.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 456.67 148.10 Td (or ) Tj ET Q q 0 0 0 rg BT 467.07 148.10 Td (a ) Tj ET Q q 0 0 0 rg BT 473.58 148.10 Td (settlement ) Tj ET Q q 0 0 0 rg BT 516.75 148.10 Td (of ) Tj ET Q q 0 0 0 rg BT 527.15 148.10 Td (any ) Tj ET Q q 0 0 0 rg BT 543.66 148.10 Td (such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 88.61 136.10 Td (could ) Tj ET Q q 0 0 0 rg BT 113.33 136.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 156.36 136.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 197.18 136.10 Td (af) Tj ET Q q 0 0 0 rg BT 204.77 136.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 222.25 136.10 Td (our ) Tj ET Q q 0 0 0 rg BT 238.08 136.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 275.56 136.10 Td (results.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 118.10 Td (e ) Tj ET Q q 0 0 0 rg BT 64.33 118.10 Td (face ) Tj ET Q q 0 0 0 rg BT 83.27 118.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 104.46 118.10 Td (with ) Tj ET Q q 0 0 0 rg BT 123.99 118.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 154.60 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 164.12 118.10 Td (product ) Tj ET Q q 0 0 0 rg BT 197.53 118.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 230.38 118.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 258.78 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 276.08 118.10 Td (product ) Tj ET Q q 0 0 0 rg BT 309.49 118.10 Td (recalls, ) Tj ET Q q 0 0 0 rg BT 340.94 118.10 Td (which ) Tj ET Q q 0 0 0 rg BT 367.69 118.10 Td (could ) Tj ET Q q 0 0 0 rg BT 392.21 118.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 435.61 118.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 475.66 118.10 Td (af) Tj ET Q q 0 0 0 rg BT 483.81 118.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 500.53 118.10 Td (our ) Tj ET Q q 0 0 0 rg BT 516.72 118.10 Td (reputation, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (our ) Tj ET Q q 0 0 0 rg BT 66.39 106.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 105.84 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 123.34 106.10 Td (our ) Tj ET Q q 0 0 0 rg BT 139.73 106.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 193.33 106.10 Td (results ) Tj ET Q q 0 0 0 rg BT 222.50 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 232.76 106.10 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.60 106.10 Td ( ) Tj ET Q q 0 0 0 rg BT 280.40 106.10 Td (W) Tj ET Q q 0 0 0 rg BT 289.03 106.10 Td (e ) Tj ET Q q 0 0 0 rg BT 295.41 106.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 332.88 106.10 Td (merchandise ) Tj ET Q q 0 0 0 rg BT 385.35 106.10 Td (from ) Tj ET Q q 0 0 0 rg BT 406.73 106.10 Td (third-parties ) Tj ET Q q 0 0 0 rg BT 457.53 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 473.91 106.10 Td (of) Tj ET Q q 0 0 0 rg BT 482.06 106.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 495.09 106.10 Td (this ) Tj ET Q q 0 0 0 rg BT 511.48 106.10 Td (merchandise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.53 94.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 103.84 94.10 Td (for ) Tj ET Q q 0 0 0 rg BT 118.25 94.10 Td (sale. ) Tj ET Q q 0 0 0 rg BT 138.85 94.10 Td (This ) Tj ET Q q 0 0 0 rg BT 159.39 94.10 Td (merchandise ) Tj ET Q q 0 0 0 rg BT 212.68 94.10 Td (could ) Tj ET Q q 0 0 0 rg BT 237.65 94.10 Td (be ) Tj ET Q q 0 0 0 rg BT 249.84 94.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 280.92 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 291.46 94.10 Td (recalls ) Tj ET Q q 0 0 0 rg BT 320.31 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 337.50 94.10 Td (other ) Tj ET Q q 0 0 0 rg BT 360.80 94.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 391.88 94.10 Td (by ) Tj ET Q q 0 0 0 rg BT 404.64 94.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 448.49 94.10 Td (authorities. ) Tj ET Q q 0 0 0 rg BT 495.95 94.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 533.15 94.10 Td (in ) Tj ET Q q 0 0 0 rg BT 543.68 94.10 Td (laws ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.41 82.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 114.82 82.10 Td (could ) Tj ET Q q 0 0 0 rg BT 140.01 82.10 Td (also ) Tj ET Q q 0 0 0 rg BT 159.10 82.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 189.28 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 204.48 82.10 Td (type ) Tj ET Q q 0 0 0 rg BT 224.67 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 235.97 82.10 Td (merchandise ) Tj ET Q q 0 0 0 rg BT 289.48 82.10 Td (we ) Tj ET Q q 0 0 0 rg BT 304.12 82.10 Td (of) Tj ET Q q 0 0 0 rg BT 312.27 82.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 326.34 82.10 Td (to ) Tj ET Q q 0 0 0 rg BT 337.09 82.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 382.90 82.10 Td (W) Tj ET Q q 0 0 0 rg BT 391.54 82.10 Td (e ) Tj ET Q q 0 0 0 rg BT 398.95 82.10 Td (have ) Tj ET Q q 0 0 0 rg BT 420.80 82.10 Td (experienced, ) Tj ET Q q 0 0 0 rg BT 474.58 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 491.99 82.10 Td (may ) Tj ET Q q 0 0 0 rg BT 512.18 82.10 Td (in ) Tj ET Q q 0 0 0 rg BT 522.94 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 538.13 82.10 Td (future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (experience, ) Tj ET Q q 0 0 0 rg BT 98.19 70.10 Td (recalls ) Tj ET Q q 0 0 0 rg BT 126.67 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 137.39 70.10 Td (merchandise. ) Tj ET Q q 0 0 0 rg BT 192.81 70.10 Td (In ) Tj ET Q q 0 0 0 rg BT 203.53 70.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 241.20 70.10 Td (individuals ) Tj ET Q q 0 0 0 rg BT 288.03 70.10 Td (may ) Tj ET Q q 0 0 0 rg BT 307.63 70.10 Td (in ) Tj ET Q q 0 0 0 rg BT 317.80 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 332.41 70.10 Td (future ) Tj ET Q q 0 0 0 rg BT 358.67 70.10 Td (assert ) Tj ET Q q 0 0 0 rg BT 383.83 70.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 412.32 70.10 Td (that ) Tj ET Q q 0 0 0 rg BT 429.71 70.10 Td (they ) Tj ET Q q 0 0 0 rg BT 449.31 70.10 Td (have ) Tj ET Q q 0 0 0 rg BT 470.58 70.10 Td (sustained ) Tj ET Q q 0 0 0 rg BT 510.19 70.10 Td (injuries ) Tj ET Q q 0 0 0 rg BT 542.57 70.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 94.78 58.10 Td (merchandise ) Tj ET Q q 0 0 0 rg BT 147.32 58.10 Td (of) Tj ET Q q 0 0 0 rg BT 155.47 58.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 178.02 58.10 Td (by ) Tj ET Q q 0 0 0 rg BT 190.04 58.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 203.44 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 219.89 58.10 Td (we ) Tj ET Q q 0 0 0 rg BT 233.56 58.10 Td (may ) Tj ET Q q 0 0 0 rg BT 252.79 58.10 Td (be ) Tj ET Q q 0 0 0 rg BT 264.25 58.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 294.58 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 304.38 58.10 Td (future ) Tj ET Q q 0 0 0 rg BT 330.27 58.10 Td (lawsuits ) Tj ET Q q 0 0 0 rg BT 365.06 58.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 397.61 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 407.40 58.10 Td (these ) Tj ET Q q 0 0 0 rg BT 429.96 58.10 Td (claims. ) Tj ET Q q 0 0 0 rg BT 460.44 58.10 Td (These ) Tj ET Q q 0 0 0 rg BT 486.33 58.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 514.44 58.10 Td (or ) Tj ET Q q 0 0 0 rg BT 524.79 58.10 Td (liabilities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (may ) Tj ET Q q 0 0 0 rg BT 70.06 46.10 Td (exceed, ) Tj ET Q q 0 0 0 rg BT 103.16 46.10 Td (or ) Tj ET Q q 0 0 0 rg BT 114.34 46.10 Td (fall ) Tj ET Q q 0 0 0 rg BT 130.51 46.10 Td (outside ) Tj ET Q q 0 0 0 rg BT 162.24 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.30 46.10 Td (scope ) Tj ET Q q 0 0 0 rg BT 202.92 46.10 Td (of, ) Tj ET Q q 0 0 0 rg BT 216.59 46.10 Td (our ) Tj ET Q q 0 0 0 rg BT 232.77 46.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 273.93 46.10 Td (coverage. ) Tj ET Q q 0 0 0 rg BT 314.73 46.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 334.80 46.10 Td (of ) Tj ET Q q 0 0 0 rg BT 345.98 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 361.04 46.10 Td (issues ) Tj ET Q q 0 0 0 rg BT 387.77 46.10 Td (mentioned ) Tj ET Q q 0 0 0 rg BT 432.83 46.10 Td (above ) Tj ET Q q 0 0 0 rg BT 459.56 46.10 Td (could ) Tj ET Q q 0 0 0 rg BT 484.62 46.10 Td (result ) Tj ET Q q 0 0 0 rg BT 509.68 46.10 Td (in ) Tj ET Q q 0 0 0 rg BT 520.30 46.10 Td (damage ) Tj ET Q q 0 0 0 rg BT 554.24 46.10 Td (to ) Tj ET Q endstream endobj 63 0 obj <>] /Rotate 0 /Contents 64 0 R>> endobj 64 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 66.22 742.10 Td (reputation, ) Tj ET Q q 0 0 0 rg BT 112.15 742.10 Td (diversion ) Tj ET Q q 0 0 0 rg BT 152.26 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 163.48 742.10 Td (development ) Tj ET Q q 0 0 0 rg BT 218.02 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 235.35 742.10 Td (management ) Tj ET Q q 0 0 0 rg BT 289.32 742.10 Td (resources, ) Tj ET Q q 0 0 0 rg BT 332.47 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 343.69 742.10 Td (reduced ) Tj ET Q q 0 0 0 rg BT 378.23 742.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 400.56 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 417.88 742.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 458.53 742.10 Td (costs, ) Tj ET Q q 0 0 0 rg BT 483.92 742.10 Td (any ) Tj ET Q q 0 0 0 rg BT 501.25 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 512.46 742.10 Td (which ) Tj ET Q q 0 0 0 rg BT 539.79 742.10 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (have ) Tj ET Q q 0 0 0 rg BT 71.38 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 78.32 730.10 Td (material ) Tj ET Q q 0 0 0 rg BT 113.57 730.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 146.61 730.10 Td (ef) Tj ET Q q 0 0 0 rg BT 154.20 730.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 171.68 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 184.18 730.10 Td (us.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 712.10 Td (ITEM ) Tj ET Q q 0 0 0 rg BT 78.67 712.10 Td (1B. ) Tj ET Q q 0 0 0 rg BT 95.34 712.10 Td ( ) Tj ET Q q 0 0 0 rg BT 103.50 712.10 Td (UNRESOL) Tj ET Q q 0 0 0 rg BT 150.93 712.10 Td (VED ) Tj ET Q q 0 0 0 rg BT 174.54 712.10 Td (ST) Tj ET Q q 0 0 0 rg BT 186.03 712.10 Td (AFF) Tj ET Q q 0 0 0 rg BT 205.10 712.10 Td ( ) Tj ET Q q 0 0 0 rg BT 207.60 712.10 Td (COMMENTS.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (None.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (ITEM ) Tj ET Q q 0 0 0 rg BT 79.17 658.10 Td (2. ) Tj ET Q q 0 0 0 rg BT 89.17 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 104.00 658.10 Td (PROPER) Tj ET Q q 0 0 0 rg BT 144.76 658.10 Td (TIES.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.31 640.10 Td (number ) Tj ET Q q 0 0 0 rg BT 99.62 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 109.71 640.10 Td (stores, ) Tj ET Q q 0 0 0 rg BT 137.30 640.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 185.18 640.10 Td (centers/cross-dock ) Tj ET Q q 0 0 0 rg BT 261.36 640.10 Td (facilities, ) Tj ET Q q 0 0 0 rg BT 300.05 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 316.25 640.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 355.77 640.10 Td (of) Tj ET Q q 0 0 0 rg BT 363.92 640.10 Td (fices ) Tj ET Q q 0 0 0 rg BT 384.56 640.10 Td (we ) Tj ET Q q 0 0 0 rg BT 397.98 640.10 Td (operate, ) Tj ET Q q 0 0 0 rg BT 431.67 640.10 Td (together ) Tj ET Q q 0 0 0 rg BT 466.19 640.10 Td (with ) Tj ET Q q 0 0 0 rg BT 485.73 640.10 Td (location ) Tj ET Q q 0 0 0 rg BT 519.71 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 535.91 640.10 Td (square ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (footage ) Tj ET Q q 0 0 0 rg BT 83.07 628.10 Td (information, ) Tj ET Q q 0 0 0 rg BT 135.86 628.10 Td (are ) Tj ET Q q 0 0 0 rg BT 151.14 628.10 Td (disclosed ) Tj ET Q q 0 0 0 rg BT 191.44 628.10 Td (in ) Tj ET Q q 0 0 0 rg BT 202.30 628.10 Td (Part ) Tj ET Q q 0 0 0 rg BT 221.49 628.10 Td (I, ) Tj ET Q q 0 0 0 rg BT 230.40 628.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 251.80 628.10 Td (1., ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 264.88 628.10 Td (Business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.88 628.10 Td (, ) Tj ET Q q 0 0 0 rg BT 305.46 628.10 Td (under ) Tj ET Q q 0 0 0 rg BT 331.31 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 346.61 628.10 Td (caption ) Tj ET Q q 0 0 0 rg BT 379.12 628.10 Td ("Store ) Tj ET Q q 0 0 0 rg BT 407.39 628.10 Td (Operations," ) Tj ET Q q 0 0 0 rg BT 460.93 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 472.34 628.10 Td (this ) Tj ET Q q 0 0 0 rg BT 489.19 628.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 521.71 628.10 Td (Report ) Tj ET Q q 0 0 0 rg BT 552.01 628.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 74.17 616.10 Td (10-K ) Tj ET Q q 0 0 0 rg BT 97.22 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 114.16 616.10 Td (is ) Tj ET Q q 0 0 0 rg BT 123.33 616.10 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 176.36 616.10 Td (herein ) Tj ET Q q 0 0 0 rg BT 203.85 616.10 Td (by ) Tj ET Q q 0 0 0 rg BT 216.35 616.10 Td (reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (ITEM ) Tj ET Q q 0 0 0 rg BT 79.17 598.10 Td (3. ) Tj ET Q q 0 0 0 rg BT 89.17 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 104.00 598.10 Td (LEGAL) Tj ET Q q 0 0 0 rg BT 138.46 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 140.96 598.10 Td (PROCEEDINGS.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.14 580.10 Td (information ) Tj ET Q q 0 0 0 rg BT 117.94 580.10 Td (set ) Tj ET Q q 0 0 0 rg BT 131.64 580.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 153.67 580.10 Td (in ) Tj ET Q q 0 0 0 rg BT 164.04 580.10 Td (Part ) Tj ET Q q 0 0 0 rg BT 182.74 580.10 Td (II, ) Tj ET Q q 0 0 0 rg BT 194.50 580.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 215.41 580.10 Td (8., ) Tj ET Q q 0 0 0 rg BT 228.00 580.10 Td (in ) Tj ET Q q 0 0 0 rg BT 238.37 580.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 260.40 580.10 Td (12, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 275.50 580.10 Td (Contingencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.71 580.10 Td (, ) Tj ET Q q 0 0 0 rg BT 337.80 580.10 Td (of ) Tj ET Q q 0 0 0 rg BT 348.72 580.10 Td (the ) Tj ET Q q 0 0 0 rg BT 363.53 580.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 418.90 580.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 458.70 580.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 505.17 580.10 Td (of ) Tj ET Q q 0 0 0 rg BT 516.09 580.10 Td (this ) Tj ET Q q 0 0 0 rg BT 532.56 580.10 Td (Annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (Report ) Tj ET Q q 0 0 0 rg BT 79.72 568.10 Td (on ) Tj ET Q q 0 0 0 rg BT 92.22 568.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 116.39 568.10 Td (10-K ) Tj ET Q q 0 0 0 rg BT 139.44 568.10 Td (is ) Tj ET Q q 0 0 0 rg BT 148.61 568.10 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 201.64 568.10 Td (herein ) Tj ET Q q 0 0 0 rg BT 229.13 568.10 Td (by ) Tj ET Q q 0 0 0 rg BT 241.63 568.10 Td (reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (ITEM ) Tj ET Q q 0 0 0 rg BT 79.17 532.10 Td (4. ) Tj ET Q q 0 0 0 rg BT 89.17 532.10 Td ( ) Tj ET Q q 0 0 0 rg BT 104.00 532.10 Td (MINE ) Tj ET Q q 0 0 0 rg BT 133.72 532.10 Td (SAFETY) Tj ET Q q 0 0 0 rg BT 172.80 532.10 Td ( ) Tj ET Q q 0 0 0 rg BT 175.30 532.10 Td (DISCLOSURES.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (Not ) Tj ET Q q 0 0 0 rg BT 67.50 514.10 Td (applicable.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 296.85 478.10 Td (P) Tj ET Q q 0 0 0 rg BT 302.22 478.10 Td (AR) Tj ET Q q 0 0 0 rg BT 316.31 478.10 Td (T) Tj ET Q q 0 0 0 rg BT 322.80 478.10 Td ( II) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (ITEM ) Tj ET Q q 0 0 0 rg BT 79.17 460.10 Td (5. ) Tj ET Q q 0 0 0 rg BT 89.17 460.10 Td ( ) Tj ET Q q 0 0 0 rg BT 104.00 460.10 Td (MARKET) Tj ET Q q 0 0 0 rg BT 148.82 460.10 Td ( ) Tj ET Q q 0 0 0 rg BT 152.87 460.10 Td (FOR ) Tj ET Q q 0 0 0 rg BT 178.04 460.10 Td (REGISTRANT'S ) Tj ET Q q 0 0 0 rg BT 256.56 460.10 Td (COMMON ) Tj ET Q q 0 0 0 rg BT 309.49 460.10 Td (EQUITY) Tj ET Q q 0 0 0 rg BT 348.03 460.10 Td (, ) Tj ET Q q 0 0 0 rg BT 354.58 460.10 Td (RELA) Tj ET Q q 0 0 0 rg BT 381.62 460.10 Td (TED ) Tj ET Q q 0 0 0 rg BT 406.24 460.10 Td (ST) Tj ET Q q 0 0 0 rg BT 418.29 460.10 Td (OCKHOLDER ) Tj ET Q q 0 0 0 rg BT 488.47 460.10 Td (MA) Tj ET Q q 0 0 0 rg BT 504.38 460.10 Td (TTERS ) Tj ET Q q 0 0 0 rg BT 540.34 460.10 Td (AND ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 448.10 Td (ISSUER ) Tj ET Q q 0 0 0 rg BT 142.63 448.10 Td (PURCHASES ) Tj ET Q q 0 0 0 rg BT 205.69 448.10 Td (OF) Tj ET Q q 0 0 0 rg BT 219.21 448.10 Td ( ) Tj ET Q q 0 0 0 rg BT 221.71 448.10 Td (EQUITY) Tj ET Q q 0 0 0 rg BT 260.79 448.10 Td ( ) Tj ET Q q 0 0 0 rg BT 263.29 448.10 Td (SECURITIES.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (Market ) Tj ET Q q 0 0 0 rg BT 84.71 430.10 Td (Information ) Tj ET Q q 0 0 0 rg BT 139.43 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 158.05 430.10 Td (Holders) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.86 412.10 Td (of ) Tj ET Q q 0 0 0 rg BT 74.93 412.10 Td (March27, ) Tj ET Q q 0 0 0 rg BT 118.77 412.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 144.01 412.10 Td (we ) Tj ET Q q 0 0 0 rg BT 158.42 412.10 Td (had ) Tj ET Q q 0 0 0 rg BT 175.60 412.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 236.10 412.10 Td (400 ) Tj ET Q q 0 0 0 rg BT 253.84 412.10 Td (common ) Tj ET Q q 0 0 0 rg BT 291.58 412.10 Td (stockholders ) Tj ET Q q 0 0 0 rg BT 344.87 412.10 Td (of ) Tj ET Q q 0 0 0 rg BT 355.95 412.10 Td (record ) Tj ET Q q 0 0 0 rg BT 384.23 412.10 Td (and ) Tj ET Q q 0 0 0 rg BT 401.41 412.10 Td (an ) Tj ET Q q 0 0 0 rg BT 413.59 412.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 454.65 412.10 Td (5,900 ) Tj ET Q q 0 0 0 rg BT 479.90 412.10 Td (beneficial ) Tj ET Q q 0 0 0 rg BT 522.06 412.10 Td (owners ) Tj ET Q q 0 0 0 rg BT 553.68 412.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.61 400.10 Td (common ) Tj ET Q q 0 0 0 rg BT 102.89 400.10 Td (stock.) Tj ET Q q 0 0 0 rg BT 128.82 400.10 Td (The ) Tj ET Q q 0 0 0 rg BT 146.65 400.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 184.47 400.10 Td (market ) Tj ET Q q 0 0 0 rg BT 214.51 400.10 Td (for ) Tj ET Q q 0 0 0 rg BT 228.46 400.10 Td (our ) Tj ET Q q 0 0 0 rg BT 244.07 400.10 Td (common ) Tj ET Q q 0 0 0 rg BT 281.34 400.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 304.73 400.10 Td (is ) Tj ET Q q 0 0 0 rg BT 313.69 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 328.19 400.10 Td (NASDAQ ) Tj ET Q q 0 0 0 rg BT 372.14 400.10 Td (Global ) Tj ET Q q 0 0 0 rg BT 401.64 400.10 Td (Select ) Tj ET Q q 0 0 0 rg BT 428.35 400.10 Td (Market ) Tj ET Q q 0 0 0 rg BT 459.51 400.10 Td (\("NASDAQ"\), ) Tj ET Q q 0 0 0 rg BT 520.79 400.10 Td (where ) Tj ET Q q 0 0 0 rg BT 547.50 400.10 Td (it ) Tj ET Q q 0 0 0 rg BT 555.33 400.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (traded ) Tj ET Q q 0 0 0 rg BT 77.49 388.10 Td (under ) Tj ET Q q 0 0 0 rg BT 102.76 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.49 388.10 Td (symbol ) Tj ET Q q 0 0 0 rg BT 149.44 388.10 Td ("CONN." ) Tj ET Q q 0 0 0 rg BT 190.94 388.10 Td (Information ) Tj ET Q q 0 0 0 rg BT 241.21 388.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 282.03 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 296.75 388.10 Td (high ) Tj ET Q q 0 0 0 rg BT 317.04 388.10 Td (and ) Tj ET Q q 0 0 0 rg BT 333.98 388.10 Td (low ) Tj ET Q q 0 0 0 rg BT 351.48 388.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 373.43 388.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 399.81 388.10 Td (for ) Tj ET Q q 0 0 0 rg BT 413.97 388.10 Td (our ) Tj ET Q q 0 0 0 rg BT 429.81 388.10 Td (common ) Tj ET Q q 0 0 0 rg BT 467.31 388.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 490.92 388.10 Td (for ) Tj ET Q q 0 0 0 rg BT 505.09 388.10 Td (each ) Tj ET Q q 0 0 0 rg BT 525.91 388.10 Td (quarterly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (period ) Tj ET Q q 0 0 0 rg BT 78.05 376.10 Td (within ) Tj ET Q q 0 0 0 rg BT 106.10 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 120.82 376.10 Td (two ) Tj ET Q q 0 0 0 rg BT 138.32 376.10 Td (most ) Tj ET Q q 0 0 0 rg BT 160.27 376.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 187.19 376.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 211.35 376.10 Td (years ) Tj ET Q q 0 0 0 rg BT 234.95 376.10 Td (as ) Tj ET Q q 0 0 0 rg BT 245.78 376.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 281.59 376.10 Td (by ) Tj ET Q q 0 0 0 rg BT 294.09 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 308.81 376.10 Td (NASDAQ ) Tj ET Q q 0 0 0 rg BT 352.98 376.10 Td (is ) Tj ET Q q 0 0 0 rg BT 362.15 376.10 Td (summarized ) Tj ET Q q 0 0 0 rg BT 413.52 376.10 Td (as ) Tj ET Q q 0 0 0 rg BT 424.35 376.10 Td (follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 314.60 256.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 314.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 314.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 314.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 314.60 8.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 314.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 314.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 314.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 284.60 256.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 284.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 284.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 284.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 284.60 8.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 284.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 284.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 284.60 60.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 344.6 m 366.5 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 344.6 m 370.5 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 344.6 m 430.5 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 344.6 m 438.5 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 344.6 m 498.5 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 344.6 m 502.5 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 344.6 m 562.5 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 344.6 m 366.5 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 329.6 m 366.5 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 329.6 m 370.5 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 329.6 m 430.5 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 344.6 m 498.5 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 329.6 m 498.5 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 329.6 m 502.5 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 329.6 m 562.5 329.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 314.6 m 366.5 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 314.6 m 430.5 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 314.6 m 498.5 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 314.6 m 562.5 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 314.6 m 366.5 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 314.6 m 430.5 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 314.6 m 498.5 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 314.6 m 562.5 314.6 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.00 349.28 Td (Price Range) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 334.27 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 333.25 334.28 Td (Fiscal ) Tj ET Q q 0 0 0 rg BT 360.37 334.28 Td (Y) Tj ET Q q 0 0 0 rg BT 366.49 334.28 Td (ear) Tj ET Q q 0 0 0 rg BT 380.18 334.28 Td ( 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.25 334.28 Td (Fiscal ) Tj ET Q q 0 0 0 rg BT 492.37 334.28 Td (Y) Tj ET Q q 0 0 0 rg BT 498.49 334.28 Td (ear) Tj ET Q q 0 0 0 rg BT 512.18 334.28 Td ( 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 319.27 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.40 319.28 Td (High) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.55 319.28 Td (Low) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 457.40 319.28 Td (High) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 522.55 319.28 Td (Low) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 304.27 Td (First quarter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.00 304.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.15 304.27 Td (17.83) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.00 304.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 304.27 Td (7.75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 304.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 304.27 Td (21.48) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 304.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 304.27 Td (10.25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 289.27 Td (Second quarter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.00 289.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.15 289.27 Td (23.75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.00 289.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 289.27 Td (15.10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 289.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 289.27 Td (13.92) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 289.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.15 289.27 Td (6.70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 274.27 Td (Third quarter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.00 274.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.15 274.27 Td (32.90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.00 274.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 274.27 Td (16.55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 274.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 274.27 Td (12.41) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 274.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.15 274.27 Td (6.54) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 259.27 Td (Fourth Quarter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.00 259.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.15 259.27 Td (37.80) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.00 259.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.15 259.27 Td (28.40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 259.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 259.27 Td (14.70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 259.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.15 259.27 Td (8.10) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 237.10 Td (Dividends) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 219.10 Td (No ) Tj ET Q q 0 0 0 rg BT 65.28 219.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 86.11 219.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 128.06 219.10 Td (were ) Tj ET Q q 0 0 0 rg BT 150.55 219.10 Td (declared ) Tj ET Q q 0 0 0 rg BT 187.48 219.10 Td (or ) Tj ET Q q 0 0 0 rg BT 198.87 219.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 219.15 219.10 Td (in ) Tj ET Q q 0 0 0 rg BT 229.99 219.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 254.70 219.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.97 219.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.97 219.10 Td ( ) Tj ET Q q 0 0 0 rg BT 298.03 219.10 Td (or ) Tj ET Q q 0 0 0 rg BT 309.42 219.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 334.14 219.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.41 219.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.41 219.10 Td (. ) Tj ET Q q 0 0 0 rg BT 379.75 219.10 Td (W) Tj ET Q q 0 0 0 rg BT 388.39 219.10 Td (e ) Tj ET Q q 0 0 0 rg BT 395.89 219.10 Td (do ) Tj ET Q q 0 0 0 rg BT 408.95 219.10 Td (not ) Tj ET Q q 0 0 0 rg BT 424.79 219.10 Td (anticipate ) Tj ET Q q 0 0 0 rg BT 466.72 219.10 Td (paying ) Tj ET Q q 0 0 0 rg BT 497.00 219.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 538.94 219.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.78 219.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 207.10 Td (foreseeable ) Tj ET Q q 0 0 0 rg BT 97.91 207.10 Td (future.) Tj ET Q q 0 0 0 rg BT 126.23 207.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 145.84 207.10 Td (future ) Tj ET Q q 0 0 0 rg BT 172.10 207.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 208.92 207.10 Td (of ) Tj ET Q q 0 0 0 rg BT 219.64 207.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 260.91 207.10 Td (will ) Tj ET Q q 0 0 0 rg BT 278.85 207.10 Td (be ) Tj ET Q q 0 0 0 rg BT 290.67 207.10 Td (at ) Tj ET Q q 0 0 0 rg BT 300.28 207.10 Td (the ) Tj ET Q q 0 0 0 rg BT 314.88 207.10 Td (discretion ) Tj ET Q q 0 0 0 rg BT 356.70 207.10 Td (of ) Tj ET Q q 0 0 0 rg BT 367.41 207.10 Td (our ) Tj ET Q q 0 0 0 rg BT 383.13 207.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 409.95 207.10 Td (of ) Tj ET Q q 0 0 0 rg BT 420.67 207.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 460.26 207.10 Td (and ) Tj ET Q q 0 0 0 rg BT 477.08 207.10 Td (will ) Tj ET Q q 0 0 0 rg BT 495.02 207.10 Td (depend ) Tj ET Q q 0 0 0 rg BT 526.29 207.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 548.67 207.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 195.10 Td (results ) Tj ET Q q 0 0 0 rg BT 77.89 195.10 Td (of ) Tj ET Q q 0 0 0 rg BT 88.00 195.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 133.93 195.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 170.69 195.10 Td (condition, ) Tj ET Q q 0 0 0 rg BT 212.74 195.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 232.29 195.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 286.27 195.10 Td (and ) Tj ET Q q 0 0 0 rg BT 302.49 195.10 Td (other ) Tj ET Q q 0 0 0 rg BT 324.81 195.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 353.80 195.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 386.67 195.10 Td (relevant ) Tj ET Q q 0 0 0 rg BT 420.65 195.10 Td (by ) Tj ET Q q 0 0 0 rg BT 432.43 195.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.43 195.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 472.64 195.10 Td (of ) Tj ET Q q 0 0 0 rg BT 482.75 195.10 Td (Directors, ) Tj ET Q q 0 0 0 rg BT 524.24 195.10 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 183.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.97 183.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 89.94 183.10 Td (of ) Tj ET Q q 0 0 0 rg BT 101.03 183.10 Td (our ) Tj ET Q q 0 0 0 rg BT 117.11 183.10 Td (indebtedness. ) Tj ET Q q 0 0 0 rg BT 174.02 183.10 Td (Provisions ) Tj ET Q q 0 0 0 rg BT 219.00 183.10 Td (in ) Tj ET Q q 0 0 0 rg BT 229.54 183.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 277.82 183.10 Td (governing ) Tj ET Q q 0 0 0 rg BT 321.12 183.10 Td (our ) Tj ET Q q 0 0 0 rg BT 337.21 183.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 379.39 183.10 Td (indebtedness ) Tj ET Q q 0 0 0 rg BT 433.80 183.10 Td (restrict ) Tj ET Q q 0 0 0 rg BT 464.32 183.10 Td (the ) Tj ET Q q 0 0 0 rg BT 479.29 183.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 512.04 183.10 Td (of ) Tj ET Q q 0 0 0 rg BT 523.13 183.10 Td (dividends ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 171.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.50 171.10 Td (we ) Tj ET Q q 0 0 0 rg BT 81.67 171.10 Td (may ) Tj ET Q q 0 0 0 rg BT 101.39 171.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 118.34 171.10 Td (to ) Tj ET Q q 0 0 0 rg BT 128.62 171.10 Td (our ) Tj ET Q q 0 0 0 rg BT 144.46 171.10 Td (stockholders. ) Tj ET Q q 0 0 0 rg BT 200.01 171.10 Td (See ) Tj ET Q q 0 0 0 rg BT 216.96 171.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 237.79 171.10 Td (7., ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 250.29 171.10 Td (Management's ) Tj ET Q q 0 0 0 rg BT 311.04 171.10 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 357.43 171.10 Td (and ) Tj ET Q q 0 0 0 rg BT 374.76 171.10 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 411.15 171.10 Td (of ) Tj ET Q q 0 0 0 rg BT 421.44 171.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 462.83 171.10 Td (Condition ) Tj ET Q q 0 0 0 rg BT 505.34 171.10 Td (and ) Tj ET Q q 0 0 0 rg BT 522.84 171.10 Td (Results ) Tj ET Q q 0 0 0 rg BT 554.24 171.10 Td (of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 159.10 Td (Operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 159.10 Td (, ) Tj ET Q q 0 0 0 rg BT 100.00 159.10 Td (under ) Tj ET Q q 0 0 0 rg BT 125.27 159.10 Td (the ) Tj ET Q q 0 0 0 rg BT 139.99 159.10 Td (heading ) Tj ET Q q 0 0 0 rg BT 174.14 159.10 Td ("Liquidity ) Tj ET Q q 0 0 0 rg BT 217.94 159.10 Td (and ) Tj ET Q q 0 0 0 rg BT 234.88 159.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 266.26 159.10 Td (Resources.") Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 141.10 Td (Shar) Tj ET Q q 0 0 0 rg BT 70.38 141.10 Td (e ) Tj ET Q q 0 0 0 rg BT 77.32 141.10 Td (Repur) Tj ET Q q 0 0 0 rg BT 104.36 141.10 Td (chases) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 123.10 Td (On ) Tj ET Q q 0 0 0 rg BT 65.89 123.10 Td (November ) Tj ET Q q 0 0 0 rg BT 111.76 123.10 Td (30, ) Tj ET Q q 0 0 0 rg BT 127.92 123.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 154.09 123.10 Td (the ) Tj ET Q q 0 0 0 rg BT 169.97 123.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 198.07 123.10 Td (of ) Tj ET Q q 0 0 0 rg BT 210.07 123.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 250.94 123.10 Td (terminated ) Tj ET Q q 0 0 0 rg BT 297.36 123.10 Td (our ) Tj ET Q q 0 0 0 rg BT 314.36 123.10 Td (share ) Tj ET Q q 0 0 0 rg BT 339.12 123.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 386.09 123.10 Td (programs. ) Tj ET Q q 0 0 0 rg BT 429.76 123.10 Td (W) Tj ET Q q 0 0 0 rg BT 438.40 123.10 Td (e ) Tj ET Q q 0 0 0 rg BT 446.50 123.10 Td (did ) Tj ET Q q 0 0 0 rg BT 462.94 123.10 Td (not ) Tj ET Q q 0 0 0 rg BT 479.38 123.10 Td (engage ) Tj ET Q q 0 0 0 rg BT 511.36 123.10 Td (in ) Tj ET Q q 0 0 0 rg BT 522.81 123.10 Td (any ) Tj ET Q q 0 0 0 rg BT 540.91 123.10 Td (share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 111.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 95.81 111.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 128.30 111.10 Td (during ) Tj ET Q q 0 0 0 rg BT 156.90 111.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 181.06 111.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.77 111.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.77 111.10 Td ( ) Tj ET Q q 0 0 0 rg BT 223.27 111.10 Td (or ) Tj ET Q q 0 0 0 rg BT 234.10 111.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 258.25 111.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.96 111.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.96 111.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 93.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 93.60 93.10 Td (Authorized ) Tj ET Q q 0 0 0 rg BT 144.43 93.10 Td (for) Tj ET Q q 0 0 0 rg BT 157.02 93.10 Td ( ) Tj ET Q q 0 0 0 rg BT 159.52 93.10 Td (Issuance ) Tj ET Q q 0 0 0 rg BT 198.70 93.10 Td (Under) Tj ET Q q 0 0 0 rg BT 225.74 93.10 Td ( ) Tj ET Q q 0 0 0 rg BT 228.24 93.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 259.64 93.10 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 323.81 93.10 Td (Plans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 75.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.75 75.10 Td (following ) Tj ET Q q 0 0 0 rg BT 108.84 75.10 Td (table ) Tj ET Q q 0 0 0 rg BT 130.47 75.10 Td (summarizes ) Tj ET Q q 0 0 0 rg BT 180.44 75.10 Td (information ) Tj ET Q q 0 0 0 rg BT 229.85 75.10 Td (as ) Tj ET Q q 0 0 0 rg BT 240.38 75.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.91 75.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 299.21 75.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.21 75.10 Td (, ) Tj ET Q q 0 0 0 rg BT 323.91 75.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 356.66 75.10 Td (to ) Tj ET Q q 0 0 0 rg BT 366.63 75.10 Td (our ) Tj ET Q q 0 0 0 rg BT 382.17 75.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 409.36 75.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 467.11 75.10 Td (plans ) Tj ET Q q 0 0 0 rg BT 490.42 75.10 Td (to ) Tj ET Q q 0 0 0 rg BT 500.39 75.10 Td (which ) Tj ET Q q 0 0 0 rg BT 527.03 75.10 Td (grants ) Tj ET Q q 0 0 0 rg BT 553.67 75.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 63.10 Td (options, ) Tj ET Q q 0 0 0 rg BT 84.45 63.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 124.15 63.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 147.76 63.10 Td (units ) Tj ET Q q 0 0 0 rg BT 169.71 63.10 Td (or ) Tj ET Q q 0 0 0 rg BT 180.54 63.10 Td (other ) Tj ET Q q 0 0 0 rg BT 203.58 63.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 228.86 63.10 Td (to ) Tj ET Q q 0 0 0 rg BT 239.14 63.10 Td (acquire ) Tj ET Q q 0 0 0 rg BT 271.06 63.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 298.55 63.10 Td (of ) Tj ET Q q 0 0 0 rg BT 309.38 63.10 Td (our ) Tj ET Q q 0 0 0 rg BT 325.21 63.10 Td (common ) Tj ET Q q 0 0 0 rg BT 362.71 63.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 386.32 63.10 Td (may ) Tj ET Q q 0 0 0 rg BT 406.04 63.10 Td (be ) Tj ET Q q 0 0 0 rg BT 417.97 63.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 450.46 63.10 Td (from ) Tj ET Q q 0 0 0 rg BT 472.40 63.10 Td (time ) Tj ET Q q 0 0 0 rg BT 492.67 63.10 Td (to ) Tj ET Q q 0 0 0 rg BT 502.95 63.10 Td (time:) Tj ET Q endstream endobj 65 0 obj <>] /Rotate 0 /Contents 66 0 R>> endobj 66 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (31) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 644.50 235.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 644.50 85.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 644.50 8.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 644.50 85.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 644.50 8.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 644.50 91.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 613.50 235.00 -7.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 613.50 85.00 -7.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 613.50 8.00 -7.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 613.50 85.00 -7.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 613.50 8.00 -7.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 613.50 91.00 -7.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 591.50 235.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 591.50 85.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 591.50 8.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 591.50 85.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 591.50 8.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 591.50 91.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 644.5 m 369.5 644.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 644.5 m 462.5 644.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 644.5 m 561.5 644.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 591.5 m 561.5 591.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 591.5 m 369.5 591.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 577.5 m 369.5 577.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 575.5 m 369.5 575.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 591.5 m 462.5 591.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 577.5 m 462.5 577.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 575.5 m 462.5 575.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 591.5 m 561.5 591.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 577.5 m 561.5 577.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 575.5 m 561.5 575.5 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 649.18 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.35 719.18 Td (Number) Tj ET Q q 0 0 0 rg BT 338.81 719.18 Td ( of) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 294.00 709.18 Td (Securities to be) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 300.75 699.18 Td (Issued upon) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.10 689.18 Td (Exer) Tj ET Q q 0 0 0 rg BT 323.56 689.18 Td (cise of) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 299.80 679.18 Td (Outstanding) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 308.25 669.18 Td (Options,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 296.60 659.18 Td (W) Tj ET Q q 0 0 0 rg BT 306.32 659.18 Td (arrants and) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 298.40 649.18 Td (Rights \(a\) \(1\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.15 699.18 Td (W) Tj ET Q q 0 0 0 rg BT 389.87 699.18 Td (eighted-A) Tj ET Q q 0 0 0 rg BT 430.89 699.18 Td (verage) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 383.75 689.18 Td (Exer) Tj ET Q q 0 0 0 rg BT 404.21 689.18 Td (cise Price of) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.80 679.18 Td (Outstanding) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 401.25 669.18 Td (Options,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.60 659.18 Td (W) Tj ET Q q 0 0 0 rg BT 399.32 659.18 Td (arrants and) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.15 649.18 Td (Rights \(b\) \(2\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 492.35 739.18 Td (Number) Tj ET Q q 0 0 0 rg BT 527.72 739.18 Td ( of) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 494.65 729.18 Td (Securities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 492.15 719.18 Td (Remaining) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 488.00 709.18 Td (A) Tj ET Q q 0 0 0 rg BT 494.48 709.18 Td (vailable for) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.25 699.18 Td (Futur) Tj ET Q q 0 0 0 rg BT 506.07 699.18 Td (e Issuance) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 486.25 689.18 Td (Under) Tj ET Q q 0 0 0 rg BT 513.29 689.18 Td ( Equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.65 679.18 Td (Compensation) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.20 669.18 Td (Plans \(Excluding) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.40 659.18 Td (Securities Reflected) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.10 649.18 Td (in Column \(a\)\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 633.18 Td (Plan Category:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.00 633.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 633.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 618.17 Td (Equity compensation plans approved by stockholders) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.65 618.17 Td (2,026,668) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 618.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.15 618.17 Td (1.35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.65 618.17 Td (2,176,520) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 596.17 Td (Equity compensation plans not approved by stockholders) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.65 596.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.65 596.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 596.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.25 581.17 Td (T) Tj ET Q q 0 0 0 rg BT 161.66 581.17 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.65 581.17 Td (2,026,668) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 581.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.15 581.17 Td (1.35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.65 581.17 Td (2,176,520) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 559.00 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 64.16 559.00 Td (Inclusive ) Tj ET Q q 0 0 0 rg BT 103.32 559.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.15 559.00 Td (189,485) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.65 559.00 Td ( ) Tj ET Q q 0 0 0 rg BT 149.15 559.00 Td (stock ) Tj ET Q q 0 0 0 rg BT 172.75 559.00 Td (options ) Tj ET Q q 0 0 0 rg BT 204.70 559.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.64 559.00 Td (1,837,183) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.64 559.00 Td ( ) Tj ET Q q 0 0 0 rg BT 264.14 559.00 Td (restricted ) Tj ET Q q 0 0 0 rg BT 303.84 559.00 Td (stock ) Tj ET Q q 0 0 0 rg BT 327.45 559.00 Td (units.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 541.00 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 64.08 541.00 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.24 541.00 Td ($1.35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.74 541.00 Td ( ) Tj ET Q q 0 0 0 rg BT 107.35 541.00 Td (is ) Tj ET Q q 0 0 0 rg BT 116.63 541.00 Td (inclusive ) Tj ET Q q 0 0 0 rg BT 155.35 541.00 Td (of ) Tj ET Q q 0 0 0 rg BT 166.29 541.00 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.12 541.00 Td (1,837,183) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.12 541.00 Td ( ) Tj ET Q q 0 0 0 rg BT 223.73 541.00 Td (shares ) Tj ET Q q 0 0 0 rg BT 251.33 541.00 Td (related ) Tj ET Q q 0 0 0 rg BT 281.14 541.00 Td (to ) Tj ET Q q 0 0 0 rg BT 291.53 541.00 Td (restricted ) Tj ET Q q 0 0 0 rg BT 331.35 541.00 Td (stock ) Tj ET Q q 0 0 0 rg BT 355.07 541.00 Td (units ) Tj ET Q q 0 0 0 rg BT 377.13 541.00 Td (which ) Tj ET Q q 0 0 0 rg BT 404.18 541.00 Td (only ) Tj ET Q q 0 0 0 rg BT 424.57 541.00 Td (have ) Tj ET Q q 0 0 0 rg BT 446.05 541.00 Td (a ) Tj ET Q q 0 0 0 rg BT 453.10 541.00 Td (service ) Tj ET Q q 0 0 0 rg BT 484.03 541.00 Td (requirement ) Tj ET Q q 0 0 0 rg BT 534.95 541.00 Td (and ) Tj ET Q q 0 0 0 rg BT 552.00 541.00 Td (no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 529.00 Td (exercise ) Tj ET Q q 0 0 0 rg BT 85.25 529.00 Td (price. ) Tj ET Q q 0 0 0 rg BT 110.06 529.00 Td (The ) Tj ET Q q 0 0 0 rg BT 128.11 529.00 Td (weighted-average ) Tj ET Q q 0 0 0 rg BT 201.67 529.00 Td (exercise ) Tj ET Q q 0 0 0 rg BT 236.93 529.00 Td (price ) Tj ET Q q 0 0 0 rg BT 259.41 529.00 Td (of ) Tj ET Q q 0 0 0 rg BT 270.24 529.00 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.96 529.00 Td (189,485) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.46 529.00 Td ( ) Tj ET Q q 0 0 0 rg BT 319.96 529.00 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 369.13 529.00 Td (stock ) Tj ET Q q 0 0 0 rg BT 392.73 529.00 Td (options ) Tj ET Q q 0 0 0 rg BT 424.68 529.00 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.85 529.00 Td ($14.39) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.35 529.00 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 511.00 Td (Performance ) Tj ET Q q 0 0 0 rg BT 108.02 511.00 Td (Graph) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 493.00 Td (The ) Tj ET Q q 0 0 0 rg BT 67.85 493.00 Td (following ) Tj ET Q q 0 0 0 rg BT 109.04 493.00 Td (graph ) Tj ET Q q 0 0 0 rg BT 134.11 493.00 Td (compares ) Tj ET Q q 0 0 0 rg BT 174.73 493.00 Td (the ) Tj ET Q q 0 0 0 rg BT 189.25 493.00 Td (cumulative ) Tj ET Q q 0 0 0 rg BT 235.98 493.00 Td (total ) Tj ET Q q 0 0 0 rg BT 256.05 493.00 Td (stockholder ) Tj ET Q q 0 0 0 rg BT 305.01 493.00 Td (return ) Tj ET Q q 0 0 0 rg BT 331.19 493.00 Td (on ) Tj ET Q q 0 0 0 rg BT 343.49 493.00 Td (our ) Tj ET Q q 0 0 0 rg BT 359.12 493.00 Td (common ) Tj ET Q q 0 0 0 rg BT 396.42 493.00 Td (stock ) Tj ET Q q 0 0 0 rg BT 419.83 493.00 Td (for ) Tj ET Q q 0 0 0 rg BT 433.79 493.00 Td (the ) Tj ET Q q 0 0 0 rg BT 448.31 493.00 Td (last ) Tj ET Q q 0 0 0 rg BT 464.50 493.00 Td (five ) Tj ET Q q 0 0 0 rg BT 482.35 493.00 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 506.31 493.00 Td (years ) Tj ET Q q 0 0 0 rg BT 529.71 493.00 Td (with ) Tj ET Q q 0 0 0 rg BT 549.79 493.00 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 481.00 Td (cumulative ) Tj ET Q q 0 0 0 rg BT 96.89 481.00 Td (total ) Tj ET Q q 0 0 0 rg BT 117.13 481.00 Td (returns ) Tj ET Q q 0 0 0 rg BT 147.36 481.00 Td (of ) Tj ET Q q 0 0 0 rg BT 158.15 481.00 Td (the ) Tj ET Q q 0 0 0 rg BT 172.83 481.00 Td (NASDAQ ) Tj ET Q q 0 0 0 rg BT 216.97 481.00 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 237.21 481.00 Td (Stock ) Tj ET Q q 0 0 0 rg BT 262.46 481.00 Td (Market ) Tj ET Q q 0 0 0 rg BT 293.80 481.00 Td (Index ) Tj ET Q q 0 0 0 rg BT 319.03 481.00 Td (and ) Tj ET Q q 0 0 0 rg BT 335.93 481.00 Td (a ) Tj ET Q q 0 0 0 rg BT 342.83 481.00 Td (customized ) Tj ET Q q 0 0 0 rg BT 390.84 481.00 Td (peer ) Tj ET Q q 0 0 0 rg BT 410.51 481.00 Td (group ) Tj ET Q q 0 0 0 rg BT 436.30 481.00 Td (index ) Tj ET Q q 0 0 0 rg BT 460.98 481.00 Td (comprised ) Tj ET Q q 0 0 0 rg BT 505.10 481.00 Td (of ) Tj ET Q q 0 0 0 rg BT 515.89 481.00 Td (Restoration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 469.00 Td (Hardware, ) Tj ET Q q 0 0 0 rg BT 93.48 469.00 Td (Pier ) Tj ET Q q 0 0 0 rg BT 111.15 469.00 Td (1 ) Tj ET Q q 0 0 0 rg BT 117.71 469.00 Td (Imports, ) Tj ET Q q 0 0 0 rg BT 152.88 469.00 Td (First ) Tj ET Q q 0 0 0 rg BT 172.78 469.00 Td (Cash, ) Tj ET Q q 0 0 0 rg BT 196.50 469.00 Td (Aaron) Tj ET Q q 0 0 0 rg BT 224.27 469.00 Td (s ) Tj ET Q q 0 0 0 rg BT 229.72 469.00 Td (Rent-A-Center) Tj ET Q q 0 0 0 rg BT 288.75 469.00 Td (, ) Tj ET Q q 0 0 0 rg BT 292.81 469.00 Td (La-Z-Boy) Tj ET Q q 0 0 0 rg BT 332.14 469.00 Td (, ) Tj ET Q q 0 0 0 rg BT 336.20 469.00 Td (Sleep ) Tj ET Q q 0 0 0 rg BT 359.98 469.00 Td (Number) Tj ET Q q 0 0 0 rg BT 392.35 469.00 Td (, ) Tj ET Q q 0 0 0 rg BT 396.41 469.00 Td (Ethan ) Tj ET Q q 0 0 0 rg BT 420.95 469.00 Td (Allen, ) Tj ET Q q 0 0 0 rg BT 447.23 469.00 Td (EZCORP) Tj ET Q q 0 0 0 rg BT 484.46 469.00 Td (, ) Tj ET Q q 0 0 0 rg BT 488.53 469.00 Td (Haverty ) Tj ET Q q 0 0 0 rg BT 522.29 469.00 Td (Furniture, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 457.00 Td (T) Tj ET Q q 0 0 0 rg BT 55.76 457.00 Td (uesday ) Tj ET Q q 0 0 0 rg BT 85.75 457.00 Td (Morning, ) Tj ET Q q 0 0 0 rg BT 125.47 457.00 Td (and ) Tj ET Q q 0 0 0 rg BT 142.14 457.00 Td (Gordman) Tj ET Q q 0 0 0 rg BT 182.68 457.00 Td (s ) Tj ET Q q 0 0 0 rg BT 188.80 457.00 Td (Stores ) Tj ET Q q 0 0 0 rg BT 216.02 457.00 Td (\(the ) Tj ET Q q 0 0 0 rg BT 233.79 457.00 Td ("Peer ) Tj ET Q q 0 0 0 rg BT 257.87 457.00 Td (Group"\). ) Tj ET Q q 0 0 0 rg BT 295.40 457.00 Td (The ) Tj ET Q q 0 0 0 rg BT 313.17 457.00 Td (graph ) Tj ET Q q 0 0 0 rg BT 338.16 457.00 Td (assumes ) Tj ET Q q 0 0 0 rg BT 373.71 457.00 Td (an ) Tj ET Q q 0 0 0 rg BT 385.38 457.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 431.48 457.00 Td (of ) Tj ET Q q 0 0 0 rg BT 442.04 457.00 Td ($100 ) Tj ET Q q 0 0 0 rg BT 464.26 457.00 Td (at ) Tj ET Q q 0 0 0 rg BT 473.70 457.00 Td (the ) Tj ET Q q 0 0 0 rg BT 488.14 457.00 Td (close ) Tj ET Q q 0 0 0 rg BT 510.91 457.00 Td (of ) Tj ET Q q 0 0 0 rg BT 521.47 457.00 Td (trading ) Tj ET Q q 0 0 0 rg BT 552.02 457.00 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 445.00 Td (January ) Tj ET Q q 0 0 0 rg BT 83.54 445.00 Td (31, ) Tj ET Q q 0 0 0 rg BT 98.49 445.00 Td (2013, ) Tj ET Q q 0 0 0 rg BT 123.44 445.00 Td (and ) Tj ET Q q 0 0 0 rg BT 140.32 445.00 Td (reinvestment ) Tj ET Q q 0 0 0 rg BT 194.42 445.00 Td (of ) Tj ET Q q 0 0 0 rg BT 205.20 445.00 Td (any ) Tj ET Q q 0 0 0 rg BT 222.08 445.00 Td (dividends. ) Tj ET Q q 0 0 0 rg BT 265.74 445.00 Td (The ) Tj ET Q q 0 0 0 rg BT 283.73 445.00 Td (stock ) Tj ET Q q 0 0 0 rg BT 307.28 445.00 Td (performance ) Tj ET Q q 0 0 0 rg BT 360.25 445.00 Td (shown ) Tj ET Q q 0 0 0 rg BT 388.81 445.00 Td (below ) Tj ET Q q 0 0 0 rg BT 415.70 445.00 Td (is ) Tj ET Q q 0 0 0 rg BT 424.81 445.00 Td (based ) Tj ET Q q 0 0 0 rg BT 450.03 445.00 Td (solely ) Tj ET Q q 0 0 0 rg BT 476.36 445.00 Td (on ) Tj ET Q q 0 0 0 rg BT 488.81 445.00 Td (historical ) Tj ET Q q 0 0 0 rg BT 528.47 445.00 Td (data ) Tj ET Q q 0 0 0 rg BT 547.57 445.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 433.00 Td (is ) Tj ET Q q 0 0 0 rg BT 59.17 433.00 Td (not ) Tj ET Q q 0 0 0 rg BT 74.45 433.00 Td (necessarily ) Tj ET Q q 0 0 0 rg BT 121.37 433.00 Td (indicative ) Tj ET Q q 0 0 0 rg BT 163.30 433.00 Td (of ) Tj ET Q q 0 0 0 rg BT 174.13 433.00 Td (future ) Tj ET Q q 0 0 0 rg BT 200.51 433.00 Td (performance.) Tj ET Q /GS0 gs q 512.00 0 0 270.20 50.00 151.81 cm /I20 Do Q BT /F1 10.00 Tf ET endstream endobj 67 0 obj <>] /Rotate 0 /Contents 68 0 R>> endobj 68 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (32) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 709.50 150.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.50 709.50 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 709.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.50 709.50 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.50 709.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 709.50 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 709.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 709.50 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 709.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 709.50 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 709.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 709.50 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 679.50 150.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.50 679.50 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 679.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.50 679.50 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.50 679.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 679.50 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 679.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 679.50 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 679.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 679.50 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 679.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 679.50 57.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 733.5 m 257.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 733.5 m 318.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 733.5 m 322.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 733.5 m 379.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 733.5 m 383.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 733.5 m 440.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 733.5 m 444.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 733.5 m 501.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 733.5 m 505.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 733.5 m 562.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 709.5 m 257.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 709.5 m 318.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 709.5 m 379.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 733.5 m 440.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 709.5 m 440.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 733.5 m 501.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 709.5 m 501.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 733.5 m 562.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 709.5 m 562.5 709.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 738.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 203.05 738.18 Td (Base Period) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 315.55 738.18 Td (V) Tj ET Q q 0 0 0 rg BT 322.31 738.18 Td (alue for) Tj ET Q q 0 0 0 rg BT 354.81 738.18 Td ( the Fiscal ) Tj ET Q q 0 0 0 rg BT 400.36 738.18 Td (Y) Tj ET Q q 0 0 0 rg BT 406.84 738.18 Td (ears Ended January 31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 203.20 724.18 Td (January 31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 218.50 714.18 Td (2013) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 279.50 714.18 Td (2014) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 340.50 714.18 Td (2015) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 401.50 714.18 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 462.50 714.18 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 523.50 714.18 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 699.18 Td (Company/Index:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 684.17 Td (Conn's, Inc.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.00 684.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.15 684.17 Td (100.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.00 684.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.15 684.17 Td (213.47) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.00 684.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.15 684.17 Td (55.34) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.00 684.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.15 684.17 Td (43.32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.00 684.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.15 684.17 Td (37.10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.00 684.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 684.17 Td (1) Tj ET Q q 0 0 0 rg BT 536.15 684.17 Td (17.09) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 669.17 Td (NASDAQ U.S. Stock Market Index) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.00 669.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.15 669.17 Td (100.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.00 669.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.15 669.17 Td (132.33) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.15 669.17 Td (151.25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.00 669.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 669.17 Td (152.32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.00 669.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.15 669.17 Td (187.70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.00 669.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 669.17 Td (250.45) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 654.17 Td (Peer Group) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.00 654.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.15 654.17 Td (100.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.00 654.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.15 654.17 Td (97.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.00 654.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.15 654.17 Td (1) Tj ET Q q 0 0 0 rg BT 353.15 654.17 Td (17.06) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.00 654.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.15 654.17 Td (73.40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.00 654.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.15 654.17 Td (75.31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.00 654.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 654.17 Td (1) Tj ET Q q 0 0 0 rg BT 536.15 654.17 Td (14.51) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 632.00 Td (The ) Tj ET Q q 0 0 0 rg BT 68.15 632.00 Td (information ) Tj ET Q q 0 0 0 rg BT 117.97 632.00 Td (set ) Tj ET Q q 0 0 0 rg BT 131.68 632.00 Td (forth ) Tj ET Q q 0 0 0 rg BT 153.73 632.00 Td (under ) Tj ET Q q 0 0 0 rg BT 179.10 632.00 Td (the ) Tj ET Q q 0 0 0 rg BT 193.92 632.00 Td (heading ) Tj ET Q q 0 0 0 rg BT 228.18 632.00 Td ("Performance ) Tj ET Q q 0 0 0 rg BT 285.95 632.00 Td (Graph" ) Tj ET Q q 0 0 0 rg BT 317.63 632.00 Td (is ) Tj ET Q q 0 0 0 rg BT 326.90 632.00 Td (not ) Tj ET Q q 0 0 0 rg BT 342.29 632.00 Td (deemed ) Tj ET Q q 0 0 0 rg BT 375.99 632.00 Td (to ) Tj ET Q q 0 0 0 rg BT 386.37 632.00 Td (be ) Tj ET Q q 0 0 0 rg BT 398.41 632.00 Td ("soliciting ) Tj ET Q q 0 0 0 rg BT 442.32 632.00 Td (material" ) Tj ET Q q 0 0 0 rg BT 481.77 632.00 Td (or ) Tj ET Q q 0 0 0 rg BT 492.70 632.00 Td (to ) Tj ET Q q 0 0 0 rg BT 503.09 632.00 Td (be ) Tj ET Q q 0 0 0 rg BT 515.13 632.00 Td ("filed" ) Tj ET Q q 0 0 0 rg BT 544.22 632.00 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 620.00 Td (the ) Tj ET Q q 0 0 0 rg BT 65.31 620.00 Td (SEC ) Tj ET Q q 0 0 0 rg BT 86.75 620.00 Td (or ) Tj ET Q q 0 0 0 rg BT 98.17 620.00 Td (subject ) Tj ET Q q 0 0 0 rg BT 129.59 620.00 Td (to ) Tj ET Q q 0 0 0 rg BT 140.47 620.00 Td (the ) Tj ET Q q 0 0 0 rg BT 155.78 620.00 Td (SEC's ) Tj ET Q q 0 0 0 rg BT 182.91 620.00 Td (proxy ) Tj ET Q q 0 0 0 rg BT 209.34 620.00 Td (rules ) Tj ET Q q 0 0 0 rg BT 231.87 620.00 Td (or ) Tj ET Q q 0 0 0 rg BT 243.30 620.00 Td (to ) Tj ET Q q 0 0 0 rg BT 254.17 620.00 Td (the ) Tj ET Q q 0 0 0 rg BT 269.48 620.00 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 309.79 620.00 Td (of ) Tj ET Q q 0 0 0 rg BT 321.22 620.00 Td (Section ) Tj ET Q q 0 0 0 rg BT 354.31 620.00 Td (18 ) Tj ET Q q 0 0 0 rg BT 367.41 620.00 Td (of ) Tj ET Q q 0 0 0 rg BT 378.83 620.00 Td (the ) Tj ET Q q 0 0 0 rg BT 394.15 620.00 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 435.98 620.00 Td (Act, ) Tj ET Q q 0 0 0 rg BT 456.02 620.00 Td (and ) Tj ET Q q 0 0 0 rg BT 473.55 620.00 Td (the ) Tj ET Q q 0 0 0 rg BT 488.86 620.00 Td (graph ) Tj ET Q q 0 0 0 rg BT 514.73 620.00 Td (shall ) Tj ET Q q 0 0 0 rg BT 536.71 620.00 Td (not ) Tj ET Q q 0 0 0 rg BT 552.58 620.00 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 608.00 Td (deemed ) Tj ET Q q 0 0 0 rg BT 83.76 608.00 Td (to ) Tj ET Q q 0 0 0 rg BT 94.21 608.00 Td (be ) Tj ET Q q 0 0 0 rg BT 106.32 608.00 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 159.52 608.00 Td (into ) Tj ET Q q 0 0 0 rg BT 177.74 608.00 Td (any ) Tj ET Q q 0 0 0 rg BT 194.85 608.00 Td (of ) Tj ET Q q 0 0 0 rg BT 205.85 608.00 Td (our ) Tj ET Q q 0 0 0 rg BT 221.85 608.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 243.95 608.00 Td (or ) Tj ET Q q 0 0 0 rg BT 254.95 608.00 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 302.06 608.00 Td (filings ) Tj ET Q q 0 0 0 rg BT 330.28 608.00 Td (under ) Tj ET Q q 0 0 0 rg BT 355.72 608.00 Td (the ) Tj ET Q q 0 0 0 rg BT 370.61 608.00 Td (Securities ) Tj ET Q q 0 0 0 rg BT 412.12 608.00 Td (Act ) Tj ET Q q 0 0 0 rg BT 429.23 608.00 Td (of ) Tj ET Q q 0 0 0 rg BT 440.22 608.00 Td (1933, ) Tj ET Q q 0 0 0 rg BT 465.39 608.00 Td (as ) Tj ET Q q 0 0 0 rg BT 476.39 608.00 Td (amended ) Tj ET Q q 0 0 0 rg BT 515.15 608.00 Td (\("Securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 596.00 Td (Act"\) ) Tj ET Q q 0 0 0 rg BT 74.35 596.00 Td (or ) Tj ET Q q 0 0 0 rg BT 85.18 596.00 Td (the ) Tj ET Q q 0 0 0 rg BT 99.90 596.00 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 141.27 596.00 Td (Act.) Tj ET Q endstream endobj 69 0 obj <>] /Rotate 0 /Contents 70 0 R>> endobj 70 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (33) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (ITEM ) Tj ET Q q 0 0 0 rg BT 79.17 742.25 Td (6. ) Tj ET Q q 0 0 0 rg BT 89.17 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 104.00 742.25 Td (SELECTED ) Tj ET Q q 0 0 0 rg BT 159.85 742.25 Td (FINANCIAL) Tj ET Q q 0 0 0 rg BT 215.97 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 218.47 742.25 Td (DA) Tj ET Q q 0 0 0 rg BT 232.17 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 238.10 742.25 Td (A.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 724.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.88 724.25 Td (following ) Tj ET Q q 0 0 0 rg BT 111.10 724.25 Td (table ) Tj ET Q q 0 0 0 rg BT 133.87 724.25 Td (sets ) Tj ET Q q 0 0 0 rg BT 152.20 724.25 Td (forth ) Tj ET Q q 0 0 0 rg BT 174.98 724.25 Td (selected ) Tj ET Q q 0 0 0 rg BT 210.51 724.25 Td (historical ) Tj ET Q q 0 0 0 rg BT 251.06 724.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 289.37 724.25 Td (information ) Tj ET Q q 0 0 0 rg BT 339.92 724.25 Td (and ) Tj ET Q q 0 0 0 rg BT 357.69 724.25 Td (should ) Tj ET Q q 0 0 0 rg BT 387.69 724.25 Td (be ) Tj ET Q q 0 0 0 rg BT 400.47 724.25 Td (read ) Tj ET Q q 0 0 0 rg BT 421.01 724.25 Td (in ) Tj ET Q q 0 0 0 rg BT 432.12 724.25 Td (conjunction ) Tj ET Q q 0 0 0 rg BT 482.67 724.25 Td (with ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 503.78 724.25 Td (Management's ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 96.32 712.25 Td (and ) Tj ET Q q 0 0 0 rg BT 113.58 712.25 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 149.90 712.25 Td (of ) Tj ET Q q 0 0 0 rg BT 160.11 712.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 201.43 712.25 Td (Condition ) Tj ET Q q 0 0 0 rg BT 243.87 712.25 Td (and ) Tj ET Q q 0 0 0 rg BT 261.30 712.25 Td (Results ) Tj ET Q q 0 0 0 rg BT 292.62 712.25 Td (of ) Tj ET Q q 0 0 0 rg BT 302.83 712.25 Td (Operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.83 712.25 Td ( ) Tj ET Q q 0 0 0 rg BT 350.26 712.25 Td (and ) Tj ET Q q 0 0 0 rg BT 367.13 712.25 Td (our ) Tj ET Q q 0 0 0 rg BT 382.90 712.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 435.87 712.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 473.29 712.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 517.93 712.25 Td (and ) Tj ET Q q 0 0 0 rg BT 534.80 712.25 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 73.87 700.25 Td (included ) Tj ET Q q 0 0 0 rg BT 111.06 700.25 Td (elsewhere ) Tj ET Q q 0 0 0 rg BT 153.80 700.25 Td (in ) Tj ET Q q 0 0 0 rg BT 164.34 700.25 Td (this ) Tj ET Q q 0 0 0 rg BT 180.94 700.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 213.14 700.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 243.12 700.25 Td (on ) Tj ET Q q 0 0 0 rg BT 255.88 700.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 280.31 700.25 Td (10-K. ) Tj ET Q q 0 0 0 rg BT 306.12 700.25 Td (Historical ) Tj ET Q q 0 0 0 rg BT 348.32 700.25 Td (data ) Tj ET Q q 0 0 0 rg BT 367.74 700.25 Td (is ) Tj ET Q q 0 0 0 rg BT 377.17 700.25 Td (not ) Tj ET Q q 0 0 0 rg BT 392.71 700.25 Td (necessarily ) Tj ET Q q 0 0 0 rg BT 439.89 700.25 Td (indicative ) Tj ET Q q 0 0 0 rg BT 482.08 700.25 Td (of ) Tj ET Q q 0 0 0 rg BT 493.17 700.25 Td (our ) Tj ET Q q 0 0 0 rg BT 509.26 700.25 Td (future ) Tj ET Q q 0 0 0 rg BT 535.90 700.25 Td (results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (of ) Tj ET Q q 0 0 0 rg BT 61.10 688.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 105.53 688.25 Td (or ) Tj ET Q q 0 0 0 rg BT 116.63 688.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 154.38 688.25 Td (condition. ) Tj ET Q q 0 0 0 rg BT 197.42 688.25 Td (Refer ) Tj ET Q q 0 0 0 rg BT 222.40 688.25 Td (to ) Tj ET Q q 0 0 0 rg BT 232.94 688.25 Td (Part ) Tj ET Q q 0 0 0 rg BT 251.82 688.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 262.09 688.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 283.19 688.25 Td (1A., ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 303.18 688.25 Td (Risk ) Tj ET Q q 0 0 0 rg BT 323.17 688.25 Td (Factors) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.28 688.25 Td (, ) Tj ET Q q 0 0 0 rg BT 359.55 688.25 Td (included ) Tj ET Q q 0 0 0 rg BT 396.75 688.25 Td (in ) Tj ET Q q 0 0 0 rg BT 407.30 688.25 Td (this ) Tj ET Q q 0 0 0 rg BT 423.90 688.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 456.11 688.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 486.10 688.25 Td (on ) Tj ET Q q 0 0 0 rg BT 498.87 688.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 523.31 688.25 Td (10-K. ) Tj ET Q q 0 0 0 rg BT 548.93 688.25 Td (W) Tj ET Q q 0 0 0 rg BT 557.57 688.25 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (have ) Tj ET Q q 0 0 0 rg BT 71.40 676.25 Td (derived ) Tj ET Q q 0 0 0 rg BT 103.92 676.25 Td (the ) Tj ET Q q 0 0 0 rg BT 118.66 676.25 Td (selected ) Tj ET Q q 0 0 0 rg BT 153.39 676.25 Td (statement ) Tj ET Q q 0 0 0 rg BT 194.24 676.25 Td (of ) Tj ET Q q 0 0 0 rg BT 205.09 676.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 249.27 676.25 Td (and ) Tj ET Q q 0 0 0 rg BT 266.24 676.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 299.30 676.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 322.37 676.25 Td (data ) Tj ET Q q 0 0 0 rg BT 341.56 676.25 Td (as ) Tj ET Q q 0 0 0 rg BT 352.41 676.25 Td (of ) Tj ET Q q 0 0 0 rg BT 363.27 676.25 Td (and ) Tj ET Q q 0 0 0 rg BT 380.23 676.25 Td (for ) Tj ET Q q 0 0 0 rg BT 394.42 676.25 Td (each ) Tj ET Q q 0 0 0 rg BT 415.26 676.25 Td (of ) Tj ET Q q 0 0 0 rg BT 426.12 676.25 Td (the ) Tj ET Q q 0 0 0 rg BT 440.86 676.25 Td (years ) Tj ET Q q 0 0 0 rg BT 464.49 676.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.89 676.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 539.52 676.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.52 676.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 664.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 664.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 664.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.00 664.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.00 664.25 Td ( ) Tj ET Q q 0 0 0 rg BT 122.50 664.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.44 664.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.44 664.25 Td ( ) Tj ET Q q 0 0 0 rg BT 161.94 664.25 Td (from ) Tj ET Q q 0 0 0 rg BT 183.88 664.25 Td (our ) Tj ET Q q 0 0 0 rg BT 199.71 664.25 Td (audited ) Tj ET Q q 0 0 0 rg BT 231.64 664.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 284.68 664.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 322.16 664.25 Td (statements. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 619.75 203.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 619.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 619.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 619.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 619.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 619.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 619.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 619.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 619.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 619.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 591.75 203.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 591.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 591.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 591.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 591.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 591.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 591.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 591.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 591.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 591.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 563.75 203.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 563.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 563.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 563.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 563.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 563.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 563.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 563.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 563.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 563.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 533.75 203.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 533.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 533.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 533.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 533.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 533.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 533.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 533.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 533.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 533.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 505.75 203.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 505.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 505.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 505.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 505.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 505.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 505.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 505.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 505.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 505.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 477.75 203.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 477.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 477.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 477.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 477.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 477.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 477.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 477.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 477.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 477.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 449.75 203.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 449.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 449.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 449.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 449.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 449.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 449.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 449.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 449.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 449.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 421.75 203.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 421.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 421.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 421.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 421.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 421.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 421.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 421.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 421.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 421.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 393.75 203.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 393.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 393.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 393.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 393.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 393.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 393.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 393.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 393.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 393.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 365.75 203.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 365.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 365.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 365.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 365.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 365.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 365.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 365.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 365.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 365.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 337.75 203.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 337.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 337.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 337.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 337.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 337.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 337.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 337.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 337.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 337.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 300.75 203.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 300.75 58.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 300.75 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 300.75 58.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 300.75 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 300.75 58.00 -21.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 435.50 300.75 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 300.75 58.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 300.75 4.00 -21.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 300.75 58.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 258.75 203.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 258.75 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 258.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 258.75 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 258.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 258.75 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 258.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 258.75 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 258.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 258.75 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 232.75 203.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 232.75 58.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 232.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 232.75 58.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 232.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 232.75 58.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 232.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 232.75 58.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 232.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 232.75 58.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 196.75 203.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 196.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 196.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 196.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 196.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 196.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 196.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 196.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 196.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 196.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 168.75 203.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 168.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 168.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 168.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 168.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 168.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 168.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 168.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 168.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 168.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 140.75 203.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 140.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 140.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 140.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 140.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 140.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 140.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 140.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 140.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 140.75 58.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 633.75 m 311.5 633.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 633.75 m 315.5 633.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 633.75 m 373.5 633.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 633.75 m 377.5 633.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 633.75 m 435.5 633.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 633.75 m 439.5 633.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 633.75 m 497.5 633.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 633.75 m 501.5 633.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 633.75 m 559.5 633.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 633.75 m 311.5 633.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 619.75 m 311.5 619.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 633.75 m 373.5 633.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 619.75 m 373.5 619.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 633.75 m 435.5 633.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 619.75 m 435.5 619.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 633.75 m 497.5 633.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 619.75 m 497.5 619.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 633.75 m 559.5 633.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 619.75 m 559.5 619.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 563.75 m 559.5 563.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 563.75 m 311.5 563.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 550.75 m 311.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 548.75 m 311.5 548.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 563.75 m 373.5 563.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 550.75 m 373.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 548.75 m 373.5 548.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 563.75 m 435.5 563.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 550.75 m 435.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 548.75 m 435.5 548.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 563.75 m 497.5 563.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 550.75 m 497.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 548.75 m 497.5 548.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 563.75 m 559.5 563.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 550.75 m 559.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 548.75 m 559.5 548.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 548.75 m 559.5 548.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 550.75 m 559.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 140.75 m 559.5 140.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 140.75 m 311.5 140.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 127.75 m 311.5 127.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 125.75 m 311.5 125.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 140.75 m 373.5 140.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 127.75 m 373.5 127.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 125.75 m 373.5 125.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 140.75 m 435.5 140.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 127.75 m 435.5 127.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 125.75 m 435.5 125.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 140.75 m 497.5 140.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 127.75 m 497.5 127.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 125.75 m 497.5 125.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 140.75 m 559.5 140.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 127.75 m 559.5 127.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 125.75 m 559.5 125.75 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 65.00 638.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.45 638.20 Td (As of and for) Tj ET Q q 0 0 0 rg BT 376.62 638.20 Td ( the ) Tj ET Q q 0 0 0 rg BT 392.87 638.20 Td (Y) Tj ET Q q 0 0 0 rg BT 398.70 638.20 Td (ear) Tj ET Q q 0 0 0 rg BT 410.61 638.20 Td ( Ended January 31,) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 53.00 624.20 Td (\(dollars in thousands, except per shar) Tj ET Q q 0 0 0 rg BT 189.16 624.20 Td (e amounts\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 624.20 Td (2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.00 624.20 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 624.20 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.00 624.20 Td (2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 521.00 624.20 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 610.20 Td (Statement of Operations Data:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 610.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 610.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 610.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 610.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 610.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 59.00 596.20 Td (Revenues:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 65.00 582.21 Td (T) Tj ET Q q 0 0 0 rg BT 70.18 582.21 Td (otal net sales) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 582.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.50 582.21 Td (1,191,967) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 582.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.50 582.21 Td (1,314,471) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 582.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.50 582.21 Td (1,322,589) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 582.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.50 582.21 Td (1,220,976) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 582.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.25 582.21 Td (991,840) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 65.00 568.21 Td (Finance char) Tj ET Q q 0 0 0 rg BT 111.14 568.21 Td (ges and other revenues) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.25 568.21 Td (324,064) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.25 568.21 Td (282,377) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.25 568.21 Td (290,589) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.25 568.21 Td (264,242) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.25 568.21 Td (201,929) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 554.21 Td (T) Tj ET Q q 0 0 0 rg BT 75.87 554.21 Td (otal revenues) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 554.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.50 554.21 Td (1,516,031) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 554.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.50 554.21 Td (1,596,848) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 554.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.50 554.21 Td (1,613,178) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 554.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.50 554.21 Td (1,485,218) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 554.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.50 554.21 Td (1,193,769) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 538.21 Td (Operating income) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 123.73 542.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 538.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.25 538.21 Td (1) Tj ET Q q 0 0 0 rg BT 275.75 538.21 Td (15,068) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 538.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.75 538.21 Td (64,098) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 538.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.25 538.21 Td (1) Tj ET Q q 0 0 0 rg BT 402.75 538.21 Td (13,716) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 538.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.25 538.21 Td (1) Tj ET Q q 0 0 0 rg BT 464.75 538.21 Td (19,867) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 538.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.25 538.21 Td (161,852) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 524.21 Td (Net income \(loss\) ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 125.23 528.29 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 524.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.25 524.21 Td (6,463) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 524.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.75 524.21 Td (\(25,562) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.50 524.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 524.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.75 524.21 Td (30,855) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 524.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.75 524.21 Td (58,513) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 524.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.75 524.21 Td (93,449) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 59.00 510.20 Td (Earnings \(loss\) per) Tj ET Q q 0 0 0 rg BT 131.42 510.20 Td ( common shar) Tj ET Q q 0 0 0 rg BT 185.76 510.20 Td (e:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 510.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 510.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 510.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 510.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.00 510.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 65.00 496.21 Td (Basic) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 496.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.75 496.21 Td (0.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 496.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.75 496.21 Td (\(0.83) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.50 496.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 496.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 496.21 Td (0.88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 496.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.75 496.21 Td (1.61) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 496.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 496.21 Td (2.61) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 65.00 482.21 Td (Diluted) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 482.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.75 482.21 Td (0.20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 482.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.75 482.21 Td (\(0.83) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.50 482.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 482.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 482.21 Td (0.87) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 482.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.75 482.21 Td (1.59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 482.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 482.21 Td (2.54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 468.20 Td (Balance Sheet Data:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 468.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 468.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 468.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 468.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 468.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 454.21 Td (W) Tj ET Q q 0 0 0 rg BT 67.13 454.21 Td (orking capital) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 454.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.25 454.21 Td (915,906) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 454.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.25 454.21 Td (920,292) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 454.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.50 454.21 Td (1,016,875) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 454.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.25 454.21 Td (760,666) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 454.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.25 454.21 Td (586,384) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 440.21 Td (Inventories) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 440.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.25 440.21 Td (21) Tj ET Q q 0 0 0 rg BT 280.25 440.21 Td (1,894) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 440.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.25 440.21 Td (164,856) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 440.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.25 440.21 Td (201,969) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 440.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.25 440.21 Td (159,068) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 440.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.25 440.21 Td (120,530) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 426.21 Td (Customer portfolio balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 426.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.50 426.21 Td (1,527,862) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 426.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.50 426.21 Td (1,556,439) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 426.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.50 426.21 Td (1,587,856) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 426.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.50 426.21 Td (1,365,807) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 426.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.50 426.21 Td (1,068,270) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 412.21 Td (T) Tj ET Q q 0 0 0 rg BT 64.18 412.21 Td (otal assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 412.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.50 412.21 Td (1,900,799) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 412.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.50 412.21 Td (1,941,134) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 412.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.50 412.21 Td (2,025,300) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 412.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.50 412.21 Td (1,645,804) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 412.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.50 412.21 Td (1,297,986) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 398.21 Td (T) Tj ET Q q 0 0 0 rg BT 64.18 398.21 Td (otal debt, net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 398.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.50 398.21 Td (1,091,012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 398.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.50 398.21 Td (1,145,242) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 398.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.50 398.21 Td (1,249,678) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 398.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.25 398.21 Td (772,892) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 398.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.25 398.21 Td (536,051) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 384.21 Td (T) Tj ET Q q 0 0 0 rg BT 64.18 384.21 Td (otal stockholders' equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 384.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.25 384.21 Td (535,068) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 384.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.25 384.21 Td (517,790) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 384.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.25 384.21 Td (538,281) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 384.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.25 384.21 Td (653,670) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 384.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.25 384.21 Td (589,290) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 370.20 Td (Selected Operating Data:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 370.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 370.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 370.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 370.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.00 370.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 356.21 Td (Change in same stores sales) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 159.48 360.29 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.75 356.21 Td (\(1) Tj ET Q q 0 0 0 rg BT 289.25 356.21 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.50 356.21 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.25 356.21 Td (\(6.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.50 356.21 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 356.21 Td (0.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.50 356.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.25 356.21 Td (8.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 356.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 356.21 Td (26.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.50 356.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 342.21 Td (Retail gross mar) Tj ET Q q 0 0 0 rg BT 117.83 342.21 Td (gin) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 129.33 346.29 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.75 342.21 Td (39.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.50 342.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 342.21 Td (37.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.50 342.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 342.21 Td (37.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.50 342.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.75 342.21 Td (36.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 342.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 342.21 Td (36.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.50 342.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 328.21 Td (Interest income and fee yield) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.75 328.21 Td (19.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.50 328.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 328.21 Td (15.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.50 328.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 328.21 Td (16.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.50 328.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.75 328.21 Td (17.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 328.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 328.21 Td (17.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.50 328.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 314.21 Td (Selling, general and administrative expense as a) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 68.00 305.21 Td (percent of total revenues) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.75 305.21 Td (29.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.50 305.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 305.21 Td (28.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.50 305.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 305.21 Td (27.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.50 305.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.75 305.21 Td (26.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 305.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 305.21 Td (25.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.50 305.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 292.01 Td (Provision for bad debts as a percentage of average ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 68.00 283.01 Td (outstanding balance) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 139.73 287.09 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.75 284.21 Td (14.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.50 284.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 284.21 Td (15.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.50 284.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 284.21 Td (15.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.50 284.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.75 284.21 Td (16.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 284.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 284.21 Td (1) Tj ET Q q 0 0 0 rg BT 540.25 284.21 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.50 284.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 271.01 Td (Bad debt char) Tj ET Q q 0 0 0 rg BT 108.90 271.01 Td (ge-of) Tj ET Q q 0 0 0 rg BT 127.72 271.01 Td (fs, net of recoveries, as a) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 68.00 262.01 Td (percentage of average outstanding balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.75 263.21 Td (15.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.50 263.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 263.21 Td (14.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.50 263.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 263.21 Td (12.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.50 263.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.75 263.21 Td (10.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 263.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.25 263.21 Td (8.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.50 263.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 250.01 Td (Operating mar) Tj ET Q q 0 0 0 rg BT 111.15 250.01 Td (gin) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 250.01 Td (7.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.50 250.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.25 250.01 Td (4.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.50 250.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 250.01 Td (7.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.50 250.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.25 250.01 Td (8.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 250.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 250.01 Td (13.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.50 250.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 237.21 Td (Return on average equity) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 149.72 241.29 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 237.21 Td (1.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.50 237.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.25 237.21 Td (\(4.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.50 237.21 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 237.21 Td (5.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.50 237.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.25 237.21 Td (9.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 237.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 237.21 Td (17.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.50 237.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 224.01 Td (Percent of retail sales financed in-house, including) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 68.00 215.01 Td (down payment received) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.75 215.21 Td (71.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.50 215.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 215.21 Td (72.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.50 215.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 215.21 Td (81.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.50 215.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.75 215.21 Td (78.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 215.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 215.21 Td (77.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.50 215.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 201.21 Td (W) Tj ET Q q 0 0 0 rg BT 66.77 201.21 Td (eighted-average monthly payment rate) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 205.47 205.29 Td (\(7\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.75 201.21 Td (5.04) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.50 201.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 201.21 Td (4.92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.50 201.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 201.21 Td (4.89) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.50 201.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.75 201.21 Td (5.1) Tj ET Q q 0 0 0 rg BT 485.00 201.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 201.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 201.21 Td (5.28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.50 201.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 59.00 187.20 Td (Number) Tj ET Q q 0 0 0 rg BT 90.83 187.20 Td ( of stor) Tj ET Q q 0 0 0 rg BT 117.66 187.20 Td (es:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 173.21 Td (Beginning of fiscal year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.50 173.32 Td (1) Tj ET Q q 0 0 0 rg BT 290.50 173.32 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.50 173.32 Td (103) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.50 173.32 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.50 173.32 Td (79) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.50 173.32 Td (68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 159.21 Td (Opened) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.50 159.32 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.50 159.32 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.50 159.32 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.50 159.32 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.50 159.32 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 145.21 Td (Closed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.50 145.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.50 145.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 145.32 Td (\(2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.50 145.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.15 145.32 Td (\(7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.50 145.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 145.32 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.50 145.32 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 65.00 131.20 Td (End of fiscal year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.50 131.32 Td (1) Tj ET Q q 0 0 0 rg BT 290.50 131.32 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.50 131.32 Td (1) Tj ET Q q 0 0 0 rg BT 352.50 131.32 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.50 131.32 Td (103) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.50 131.32 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.50 131.32 Td (79) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 109.25 Td () Tj ET Q endstream endobj 71 0 obj <>] /Rotate 0 /Contents 72 0 R>> endobj 72 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (34) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (\(1\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 742.10 Td (Operating ) Tj ET Q q 0 0 0 rg BT 110.49 742.10 Td (income ) Tj ET Q q 0 0 0 rg BT 142.42 742.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 178.24 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 192.96 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 234.35 742.10 Td (char) Tj ET Q q 0 0 0 rg BT 251.37 742.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 267.20 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 284.14 742.10 Td (credits:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 697.60 203.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 697.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 697.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 697.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 697.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 697.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 697.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 697.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 697.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 697.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 651.60 203.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 651.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 651.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 651.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 651.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 651.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 651.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 651.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 651.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 651.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 623.60 203.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 623.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 623.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 623.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 623.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 623.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 623.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 623.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 623.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 623.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 595.60 203.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 595.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 595.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 595.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 595.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.50 595.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 595.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 595.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 595.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 595.60 58.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 711.6 m 311.5 711.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 711.6 m 315.5 711.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 711.6 m 373.5 711.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 711.6 m 377.5 711.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 711.6 m 435.5 711.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 711.6 m 439.5 711.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 711.6 m 497.5 711.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 711.6 m 501.5 711.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 711.6 m 559.5 711.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 711.6 m 311.5 711.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 697.6 m 311.5 697.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 711.6 m 373.5 711.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 697.6 m 373.5 697.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 711.6 m 435.5 711.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 697.6 m 435.5 697.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 711.6 m 497.5 711.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 697.6 m 497.5 697.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 711.6 m 559.5 711.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 697.6 m 559.5 697.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 697.6 m 311.5 697.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 697.6 m 373.5 697.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 697.6 m 435.5 697.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 697.6 m 497.5 697.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 697.6 m 559.5 697.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 581.6 m 559.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 581.6 m 311.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 568.6 m 311.5 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 566.6 m 311.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 581.6 m 373.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 568.6 m 373.5 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 566.6 m 373.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 581.6 m 435.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 568.6 m 435.5 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 566.6 m 435.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 581.6 m 497.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 568.6 m 497.5 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 566.6 m 497.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 581.6 m 559.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 568.6 m 559.5 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 566.6 m 559.5 566.6 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 716.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.55 716.05 Td (Y) Tj ET Q q 0 0 0 rg BT 365.55 716.05 Td (ear) Tj ET Q q 0 0 0 rg BT 377.46 716.05 Td ( Ended January 31,) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 53.00 702.05 Td (\(in thousands\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 702.05 Td (2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.00 702.05 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 702.05 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.00 702.05 Td (2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 521.00 702.05 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 688.17 Td (Store and facility closure and relocation costs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 688.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.75 688.06 Td (2,381) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.00 688.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 688.17 Td (1,089) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 688.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.65 688.17 Td (637) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.00 688.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.15 688.17 Td (3,646) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.00 688.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 688.17 Td (2,1) Tj ET Q q 0 0 0 rg BT 545.65 688.17 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 674.17 Td (Legal and professional fees and related reserves) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.50 664.17 Td (associated with the exploration of strategic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.50 654.22 Td (alternatives, securities-related litigation and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.75 656.06 Td (1,177) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.65 656.27 Td (101) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 656.27 Td (3,153) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.15 656.27 Td (1,135) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 656.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 642.17 Td (Indirect tax audit reserve) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.75 642.06 Td (2,595) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 642.17 Td (1,434) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 642.17 Td (2,748) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.65 642.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 642.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 628.17 Td (Executive management transition costs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 299.00 628.06 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.65 628.17 Td (234) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.15 628.17 Td (1,506) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.65 628.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 628.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 614.17 Td (Impairment from disposal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 299.00 614.06 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 614.17 Td (1,986) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.65 614.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.65 614.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 614.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 600.17 Td (Employee severance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.75 600.06 Td (1,317) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 600.17 Td (1,634) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.65 600.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.65 600.17 Td (909) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 600.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 586.17 Td (W) Tj ET Q q 0 0 0 rg BT 62.04 586.17 Td (rite-of) Tj ET Q q 0 0 0 rg BT 86.84 586.17 Td (f of capitalized software costs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.75 586.06 Td (5,861) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.65 586.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.65 586.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.65 586.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.65 586.06 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 572.17 Td (Char) Tj ET Q q 0 0 0 rg BT 78.26 572.17 Td (ges and credits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 572.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.25 572.06 Td (13,331) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 572.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.40 572.06 Td (6,478) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 572.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.40 572.06 Td (8,044) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 572.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.40 572.06 Td (5,690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 572.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.40 572.06 Td (2,1) Tj ET Q q 0 0 0 rg BT 546.65 572.06 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 561.00 568.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (\(2\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 550.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 84.87 550.10 Td (income ) Tj ET Q q 0 0 0 rg BT 116.73 550.10 Td (\(loss\) ) Tj ET Q q 0 0 0 rg BT 141.38 550.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 177.13 550.10 Td (pre-tax ) Tj ET Q q 0 0 0 rg BT 207.88 550.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 225.87 550.10 Td (from ) Tj ET Q q 0 0 0 rg BT 247.73 550.10 Td (extinguishment ) Tj ET Q q 0 0 0 rg BT 311.82 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 322.58 550.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 342.22 550.10 Td (for ) Tj ET Q q 0 0 0 rg BT 356.31 550.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 380.40 550.10 Td (years ) Tj ET Q q 0 0 0 rg BT 403.92 550.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 426.35 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 443.22 550.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 465.65 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 476.40 550.10 Td ($3.3 ) Tj ET Q q 0 0 0 rg BT 496.33 550.10 Td (million ) Tj ET Q q 0 0 0 rg BT 527.65 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 544.52 550.10 Td ($1.4 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 538.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 101.89 538.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 149.55 538.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (\(3\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 520.10 Td (Change ) Tj ET Q q 0 0 0 rg BT 101.18 520.10 Td (in ) Tj ET Q q 0 0 0 rg BT 111.59 520.10 Td (same ) Tj ET Q q 0 0 0 rg BT 134.77 520.10 Td (store ) Tj ET Q q 0 0 0 rg BT 156.84 520.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 178.91 520.10 Td (is ) Tj ET Q q 0 0 0 rg BT 188.21 520.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 231.37 520.10 Td (by ) Tj ET Q q 0 0 0 rg BT 244.00 520.10 Td (comparing ) Tj ET Q q 0 0 0 rg BT 289.40 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.25 520.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 340.19 520.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 362.26 520.10 Td (for ) Tj ET Q q 0 0 0 rg BT 376.55 520.10 Td (all ) Tj ET Q q 0 0 0 rg BT 389.18 520.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 415.14 520.10 Td (that ) Tj ET Q q 0 0 0 rg BT 432.77 520.10 Td (were ) Tj ET Q q 0 0 0 rg BT 454.83 520.10 Td (open ) Tj ET Q q 0 0 0 rg BT 476.90 520.10 Td (during ) Tj ET Q q 0 0 0 rg BT 505.64 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 520.49 520.10 Td (entirety ) Tj ET Q q 0 0 0 rg BT 553.66 520.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 508.10 Td (both ) Tj ET Q q 0 0 0 rg BT 87.88 508.10 Td (comparative ) Tj ET Q q 0 0 0 rg BT 139.39 508.10 Td (full ) Tj ET Q q 0 0 0 rg BT 155.38 508.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 179.13 508.10 Td (years. ) Tj ET Q q 0 0 0 rg BT 204.82 508.10 Td (Sales ) Tj ET Q q 0 0 0 rg BT 228.03 508.10 Td (from ) Tj ET Q q 0 0 0 rg BT 249.56 508.10 Td (closed ) Tj ET Q q 0 0 0 rg BT 277.21 508.10 Td (stores, ) Tj ET Q q 0 0 0 rg BT 305.14 508.10 Td (if ) Tj ET Q q 0 0 0 rg BT 313.34 508.10 Td (any) Tj ET Q q 0 0 0 rg BT 327.13 508.10 Td (, ) Tj ET Q q 0 0 0 rg BT 331.73 508.10 Td (are ) Tj ET Q q 0 0 0 rg BT 346.03 508.10 Td (removed ) Tj ET Q q 0 0 0 rg BT 383.11 508.10 Td (from ) Tj ET Q q 0 0 0 rg BT 404.65 508.10 Td (each ) Tj ET Q q 0 0 0 rg BT 425.06 508.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 455.21 508.10 Td (Sales ) Tj ET Q q 0 0 0 rg BT 478.41 508.10 Td (from ) Tj ET Q q 0 0 0 rg BT 499.95 508.10 Td (relocated ) Tj ET Q q 0 0 0 rg BT 538.69 508.10 Td (stores ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 496.10 Td (have ) Tj ET Q q 0 0 0 rg BT 89.54 496.10 Td (been ) Tj ET Q q 0 0 0 rg BT 111.08 496.10 Td (included ) Tj ET Q q 0 0 0 rg BT 148.18 496.10 Td (in ) Tj ET Q q 0 0 0 rg BT 158.62 496.10 Td (each ) Tj ET Q q 0 0 0 rg BT 179.59 496.10 Td (period ) Tj ET Q q 0 0 0 rg BT 207.80 496.10 Td (as ) Tj ET Q q 0 0 0 rg BT 218.80 496.10 Td (each ) Tj ET Q q 0 0 0 rg BT 239.77 496.10 Td (such ) Tj ET Q q 0 0 0 rg BT 260.77 496.10 Td (store ) Tj ET Q q 0 0 0 rg BT 282.87 496.10 Td (was ) Tj ET Q q 0 0 0 rg BT 301.08 496.10 Td (relocated ) Tj ET Q q 0 0 0 rg BT 340.39 496.10 Td (within ) Tj ET Q q 0 0 0 rg BT 368.60 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 383.48 496.10 Td (same ) Tj ET Q q 0 0 0 rg BT 406.69 496.10 Td (general ) Tj ET Q q 0 0 0 rg BT 438.78 496.10 Td (geographic ) Tj ET Q q 0 0 0 rg BT 485.87 496.10 Td (market. ) Tj ET Q q 0 0 0 rg BT 518.79 496.10 Td (Sales ) Tj ET Q q 0 0 0 rg BT 542.56 496.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 484.10 Td (expanded ) Tj ET Q q 0 0 0 rg BT 108.82 484.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 134.65 484.10 Td (have ) Tj ET Q q 0 0 0 rg BT 156.02 484.10 Td (also ) Tj ET Q q 0 0 0 rg BT 174.63 484.10 Td (been ) Tj ET Q q 0 0 0 rg BT 196.01 484.10 Td (included ) Tj ET Q q 0 0 0 rg BT 232.94 484.10 Td (in ) Tj ET Q q 0 0 0 rg BT 243.22 484.10 Td (each ) Tj ET Q q 0 0 0 rg BT 264.04 484.10 Td (period.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (\(4\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 466.10 Td (Retail ) Tj ET Q q 0 0 0 rg BT 93.20 466.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 115.63 466.10 Td (mar) Tj ET Q q 0 0 0 rg BT 131.00 466.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 145.09 466.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 189.71 466.10 Td (is ) Tj ET Q q 0 0 0 rg BT 197.70 466.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 229.01 466.10 Td (as ) Tj ET Q q 0 0 0 rg BT 238.65 466.10 Td (total ) Tj ET Q q 0 0 0 rg BT 257.75 466.10 Td (net ) Tj ET Q q 0 0 0 rg BT 271.28 466.10 Td (sales, ) Tj ET Q q 0 0 0 rg BT 294.54 466.10 Td (which ) Tj ET Q q 0 0 0 rg BT 320.29 466.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 354.94 466.10 Td (product ) Tj ET Q q 0 0 0 rg BT 386.80 466.10 Td (sales, ) Tj ET Q q 0 0 0 rg BT 410.06 466.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 434.69 466.10 Td (service ) Tj ET Q q 0 0 0 rg BT 464.33 466.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 507.29 466.10 Td (commissions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 84.87 454.10 Td (service ) Tj ET Q q 0 0 0 rg BT 115.63 454.10 Td (revenues, ) Tj ET Q q 0 0 0 rg BT 156.10 454.10 Td (less ) Tj ET Q q 0 0 0 rg BT 173.53 454.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 192.08 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 202.84 454.10 Td (goods ) Tj ET Q q 0 0 0 rg BT 229.17 454.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 248.28 454.10 Td (divided ) Tj ET Q q 0 0 0 rg BT 280.71 454.10 Td (by ) Tj ET Q q 0 0 0 rg BT 293.14 454.10 Td (total ) Tj ET Q q 0 0 0 rg BT 313.35 454.10 Td (net ) Tj ET Q q 0 0 0 rg BT 328.00 454.10 Td (sales. ) Tj ET Q q 0 0 0 rg BT 352.20 454.10 Td (The ) Tj ET Q q 0 0 0 rg BT 370.18 454.10 Td (presentation ) Tj ET Q q 0 0 0 rg BT 421.49 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 432.26 454.10 Td (our ) Tj ET Q q 0 0 0 rg BT 448.02 454.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 471.00 454.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 494.55 454.10 Td (mar) Tj ET Q q 0 0 0 rg BT 509.91 454.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 525.13 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 542.00 454.10 Td (costs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 84.72 442.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 123.11 442.10 Td (may ) Tj ET Q q 0 0 0 rg BT 142.61 442.10 Td (not ) Tj ET Q q 0 0 0 rg BT 157.67 442.10 Td (be ) Tj ET Q q 0 0 0 rg BT 169.40 442.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 218.32 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 228.39 442.10 Td (other ) Tj ET Q q 0 0 0 rg BT 251.22 442.10 Td (retailers ) Tj ET Q q 0 0 0 rg BT 285.71 442.10 Td (since ) Tj ET Q q 0 0 0 rg BT 308.54 442.10 Td (we ) Tj ET Q q 0 0 0 rg BT 322.48 442.10 Td (include ) Tj ET Q q 0 0 0 rg BT 354.20 442.10 Td (delivery) Tj ET Q q 0 0 0 rg BT 386.32 442.10 Td (, ) Tj ET Q q 0 0 0 rg BT 391.10 442.10 Td (transportation ) Tj ET Q q 0 0 0 rg BT 448.93 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 465.65 442.10 Td (handling ) Tj ET Q q 0 0 0 rg BT 502.93 442.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 525.22 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 535.28 442.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 553.67 442.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 430.10 Td (goods ) Tj ET Q q 0 0 0 rg BT 94.20 430.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 113.18 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 129.93 430.10 Td (we ) Tj ET Q q 0 0 0 rg BT 143.90 430.10 Td (include ) Tj ET Q q 0 0 0 rg BT 175.65 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.18 430.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 208.60 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 219.24 430.10 Td (merchandising ) Tj ET Q q 0 0 0 rg BT 280.42 430.10 Td (our ) Tj ET Q q 0 0 0 rg BT 296.06 430.10 Td (products ) Tj ET Q q 0 0 0 rg BT 332.81 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 342.90 430.10 Td (selling, ) Tj ET Q q 0 0 0 rg BT 374.38 430.10 Td (general ) Tj ET Q q 0 0 0 rg BT 406.11 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 422.86 430.10 Td (administrative ) Tj ET Q q 0 0 0 rg BT 482.38 430.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 516.90 430.10 Td (\("SG&A"\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 418.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 93.27 418.10 Td (retailers ) Tj ET Q q 0 0 0 rg BT 127.97 418.10 Td (may ) Tj ET Q q 0 0 0 rg BT 147.69 418.10 Td (treat ) Tj ET Q q 0 0 0 rg BT 167.95 418.10 Td (such ) Tj ET Q q 0 0 0 rg BT 188.78 418.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 211.28 418.10 Td (dif) Tj ET Q q 0 0 0 rg BT 222.21 418.10 Td (ferently) Tj ET Q q 0 0 0 rg BT 252.65 418.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (\(5\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 400.10 Td (Amount ) Tj ET Q q 0 0 0 rg BT 103.28 400.10 Td (does ) Tj ET Q q 0 0 0 rg BT 124.11 400.10 Td (not ) Tj ET Q q 0 0 0 rg BT 139.39 400.10 Td (include ) Tj ET Q q 0 0 0 rg BT 171.32 400.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 194.36 400.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 230.19 400.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 270.47 400.10 Td (for ) Tj ET Q q 0 0 0 rg BT 284.63 400.10 Td (bad ) Tj ET Q q 0 0 0 rg BT 301.56 400.10 Td (debts.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (\(6\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 382.10 Td (Return ) Tj ET Q q 0 0 0 rg BT 97.72 382.10 Td (on ) Tj ET Q q 0 0 0 rg BT 110.22 382.10 Td (average ) Tj ET Q q 0 0 0 rg BT 143.80 382.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 171.30 382.10 Td (is ) Tj ET Q q 0 0 0 rg BT 180.47 382.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 223.49 382.10 Td (as ) Tj ET Q q 0 0 0 rg BT 234.32 382.10 Td (net ) Tj ET Q q 0 0 0 rg BT 249.04 382.10 Td (income ) Tj ET Q q 0 0 0 rg BT 280.97 382.10 Td (\(loss\) ) Tj ET Q q 0 0 0 rg BT 305.70 382.10 Td (divided ) Tj ET Q q 0 0 0 rg BT 338.19 382.10 Td (by ) Tj ET Q q 0 0 0 rg BT 350.69 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 365.41 382.10 Td (average ) Tj ET Q q 0 0 0 rg BT 398.99 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 409.82 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 424.54 382.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 467.03 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 483.97 382.10 Td (ending ) Tj ET Q q 0 0 0 rg BT 513.69 382.10 Td (equity) Tj ET Q q 0 0 0 rg BT 538.03 382.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (\(7\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 364.10 Td (Represents ) Tj ET Q q 0 0 0 rg BT 114.97 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 130.27 364.10 Td (weighted-average ) Tj ET Q q 0 0 0 rg BT 204.43 364.10 Td (of ) Tj ET Q q 0 0 0 rg BT 215.85 364.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 252.28 364.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 276.48 364.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 297.34 364.10 Td (collections ) Tj ET Q q 0 0 0 rg BT 343.75 364.10 Td (received ) Tj ET Q q 0 0 0 rg BT 380.70 364.10 Td (on ) Tj ET Q q 0 0 0 rg BT 393.79 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 409.10 364.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 434.95 364.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 473.04 364.10 Td (as ) Tj ET Q q 0 0 0 rg BT 484.46 364.10 Td (a ) Tj ET Q q 0 0 0 rg BT 491.98 364.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 538.38 364.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 364.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 352.10 Td (average ) Tj ET Q q 0 0 0 rg BT 101.58 352.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 137.42 352.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 179.91 352.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 217.41 352.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 250.44 352.10 Td (for ) Tj ET Q q 0 0 0 rg BT 264.60 352.10 Td (each ) Tj ET Q q 0 0 0 rg BT 285.42 352.10 Td (period.) Tj ET Q endstream endobj 73 0 obj <>] /Rotate 0 /Contents 74 0 R>> endobj 74 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (35) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (ITEM ) Tj ET Q q 0 0 0 rg BT 79.17 742.25 Td (7. ) Tj ET Q q 0 0 0 rg BT 89.17 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 104.00 742.25 Td (MANAGEMENT'S ) Tj ET Q q 0 0 0 rg BT 191.88 742.25 Td (DISCUSSION ) Tj ET Q q 0 0 0 rg BT 256.13 742.25 Td (AND ) Tj ET Q q 0 0 0 rg BT 280.90 742.25 Td (ANAL) Tj ET Q q 0 0 0 rg BT 308.32 742.25 Td (YSIS ) Tj ET Q q 0 0 0 rg BT 334.55 742.25 Td (OF) Tj ET Q q 0 0 0 rg BT 348.07 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 352.06 742.25 Td (FINANCIAL) Tj ET Q q 0 0 0 rg BT 408.18 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 412.17 742.25 Td (CONDITION ) Tj ET Q q 0 0 0 rg BT 474.18 742.25 Td (AND ) Tj ET Q q 0 0 0 rg BT 499.83 742.25 Td (RESUL) Tj ET Q q 0 0 0 rg BT 532.26 742.25 Td (TS ) Tj ET Q q 0 0 0 rg BT 548.48 742.25 Td (OF) Tj ET Q q 0 0 0 rg BT 562.00 742.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 730.25 Td (OPERA) Tj ET Q q 0 0 0 rg BT 138.26 730.25 Td (TIONS.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (Overview) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (This ) Tj ET Q q 0 0 0 rg BT 69.40 694.25 Td (section ) Tj ET Q q 0 0 0 rg BT 99.34 694.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 135.40 694.25 Td (a ) Tj ET Q q 0 0 0 rg BT 141.45 694.25 Td (discussion ) Tj ET Q q 0 0 0 rg BT 184.74 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 194.69 694.25 Td (our ) Tj ET Q q 0 0 0 rg BT 209.63 694.25 Td (historical ) Tj ET Q q 0 0 0 rg BT 248.46 694.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 285.06 694.25 Td (condition, ) Tj ET Q q 0 0 0 rg BT 326.95 694.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 346.34 694.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 370.18 694.25 Td (and ) Tj ET Q q 0 0 0 rg BT 386.23 694.25 Td (results ) Tj ET Q q 0 0 0 rg BT 413.96 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 423.91 694.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 467.18 694.25 Td (for ) Tj ET Q q 0 0 0 rg BT 480.46 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 494.29 694.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 525.35 694.25 Td (indicated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (herein. ) Tj ET Q q 0 0 0 rg BT 79.77 682.25 Td (W) Tj ET Q q 0 0 0 rg BT 88.41 682.25 Td (e ) Tj ET Q q 0 0 0 rg BT 95.32 682.25 Td (encourage ) Tj ET Q q 0 0 0 rg BT 138.87 682.25 Td (you ) Tj ET Q q 0 0 0 rg BT 156.34 682.25 Td (to ) Tj ET Q q 0 0 0 rg BT 166.58 682.25 Td (read ) Tj ET Q q 0 0 0 rg BT 186.26 682.25 Td (this ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 203.17 682.25 Td (Management's ) Tj ET Q q 0 0 0 rg BT 263.88 682.25 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 310.23 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 327.52 682.25 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 363.88 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 374.12 682.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 415.47 682.25 Td (Condition ) Tj ET Q q 0 0 0 rg BT 457.94 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 475.41 682.25 Td (Results ) Tj ET Q q 0 0 0 rg BT 506.77 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 517.01 682.25 Td (Operations) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.01 670.25 Td (conjunction ) Tj ET Q q 0 0 0 rg BT 109.46 670.25 Td (with ) Tj ET Q q 0 0 0 rg BT 129.47 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 143.92 670.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 196.69 670.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 233.91 670.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 278.35 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 295.02 670.25 Td (related ) Tj ET Q q 0 0 0 rg BT 324.46 670.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 347.80 670.25 Td (included ) Tj ET Q q 0 0 0 rg BT 384.46 670.25 Td (herein ) Tj ET Q q 0 0 0 rg BT 411.68 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 428.35 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 442.80 670.25 Td (discussion ) Tj ET Q q 0 0 0 rg BT 486.71 670.25 Td (in ) Tj ET Q q 0 0 0 rg BT 496.72 670.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 517.28 670.25 Td (1. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 527.01 670.25 Td (Business) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 62.45 658.25 Td (this ) Tj ET Q q 0 0 0 rg BT 81.03 658.25 Td (annual ) Tj ET Q q 0 0 0 rg BT 111.81 658.25 Td (report ) Tj ET Q q 0 0 0 rg BT 139.81 658.25 Td (on ) Tj ET Q q 0 0 0 rg BT 153.93 658.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 179.72 658.25 Td (10-K. ) Tj ET Q q 0 0 0 rg BT 206.60 658.25 Td (This ) Tj ET Q q 0 0 0 rg BT 228.50 658.25 Td (discussion ) Tj ET Q q 0 0 0 rg BT 274.30 658.25 Td (contains ) Tj ET Q q 0 0 0 rg BT 311.75 658.25 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 381.41 658.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 427.75 658.25 Td (that ) Tj ET Q q 0 0 0 rg BT 446.86 658.25 Td (involve ) Tj ET Q q 0 0 0 rg BT 480.98 658.25 Td (numerous ) Tj ET Q q 0 0 0 rg BT 524.55 658.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 547.56 658.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (uncertainties. ) Tj ET Q q 0 0 0 rg BT 106.08 646.25 Td (The ) Tj ET Q q 0 0 0 rg BT 124.31 646.25 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 192.53 646.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 237.42 646.25 Td (are ) Tj ET Q q 0 0 0 rg BT 252.31 646.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 283.32 646.25 Td (to ) Tj ET Q q 0 0 0 rg BT 293.78 646.25 Td (a ) Tj ET Q q 0 0 0 rg BT 300.90 646.25 Td (number ) Tj ET Q q 0 0 0 rg BT 334.13 646.25 Td (of ) Tj ET Q q 0 0 0 rg BT 345.14 646.25 Td (important ) Tj ET Q q 0 0 0 rg BT 386.70 646.25 Td (factors, ) Tj ET Q q 0 0 0 rg BT 419.09 646.25 Td (including ) Tj ET Q q 0 0 0 rg BT 459.55 646.25 Td (those ) Tj ET Q q 0 0 0 rg BT 483.34 646.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 513.23 646.25 Td (discussed ) Tj ET Q q 0 0 0 rg BT 554.24 646.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 70.67 634.25 Td (1A. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 87.74 634.25 Td (Risk ) Tj ET Q q 0 0 0 rg BT 107.31 634.25 Td (Factors) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.42 634.25 Td ( ) Tj ET Q q 0 0 0 rg BT 140.77 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 157.55 634.25 Td (Part ) Tj ET Q q 0 0 0 rg BT 176.01 634.25 Td (I ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 181.69 634.25 Td (Forwar) Tj ET Q q 0 0 0 rg BT 211.88 634.25 Td (d-Looking ) Tj ET Q q 0 0 0 rg BT 255.34 634.25 Td (Statements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.66 634.25 Td ( ) Tj ET Q q 0 0 0 rg BT 301.01 634.25 Td (that ) Tj ET Q q 0 0 0 rg BT 318.35 634.25 Td (could ) Tj ET Q q 0 0 0 rg BT 342.92 634.25 Td (cause ) Tj ET Q q 0 0 0 rg BT 367.48 634.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 393.70 634.25 Td (results ) Tj ET Q q 0 0 0 rg BT 422.15 634.25 Td (to ) Tj ET Q q 0 0 0 rg BT 432.28 634.25 Td (dif) Tj ET Q q 0 0 0 rg BT 443.21 634.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 456.66 634.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 499.54 634.25 Td (from ) Tj ET Q q 0 0 0 rg BT 521.33 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 535.89 634.25 Td (results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (described ) Tj ET Q q 0 0 0 rg BT 90.32 622.25 Td (or ) Tj ET Q q 0 0 0 rg BT 100.66 622.25 Td (implied ) Tj ET Q q 0 0 0 rg BT 133.22 622.25 Td (by ) Tj ET Q q 0 0 0 rg BT 145.23 622.25 Td (such ) Tj ET Q q 0 0 0 rg BT 165.57 622.25 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 233.11 622.25 Td (statements. ) Tj ET Q q 0 0 0 rg BT 279.39 622.25 Td (All ) Tj ET Q q 0 0 0 rg BT 294.18 622.25 Td (dollar ) Tj ET Q q 0 0 0 rg BT 319.51 622.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 355.41 622.25 Td (in ) Tj ET Q q 0 0 0 rg BT 365.19 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 379.42 622.25 Td (tables ) Tj ET Q q 0 0 0 rg BT 404.75 622.25 Td (in ) Tj ET Q q 0 0 0 rg BT 414.54 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 428.76 622.25 Td (following ) Tj ET Q q 0 0 0 rg BT 469.66 622.25 Td (discussion ) Tj ET Q q 0 0 0 rg BT 513.34 622.25 Td (and ) Tj ET Q q 0 0 0 rg BT 529.78 622.25 Td (analysis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (are ) Tj ET Q q 0 0 0 rg BT 64.71 610.25 Td (stated ) Tj ET Q q 0 0 0 rg BT 90.53 610.25 Td (in ) Tj ET Q q 0 0 0 rg BT 100.81 610.25 Td (United ) Tj ET Q q 0 0 0 rg BT 130.53 610.25 Td (States ) Tj ET Q q 0 0 0 rg BT 156.91 610.25 Td (dollars ) Tj ET Q q 0 0 0 rg BT 186.63 610.25 Td (unless ) Tj ET Q q 0 0 0 rg BT 214.13 610.25 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 255.51 610.25 Td (indicated.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.05 592.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 92.21 592.25 Td (year ) Tj ET Q q 0 0 0 rg BT 111.91 592.25 Td (ends ) Tj ET Q q 0 0 0 rg BT 132.74 592.25 Td (on ) Tj ET Q q 0 0 0 rg BT 145.24 592.25 Td (January ) Tj ET Q q 0 0 0 rg BT 178.84 592.25 Td (31. ) Tj ET Q q 0 0 0 rg BT 193.84 592.25 Td (References ) Tj ET Q q 0 0 0 rg BT 240.76 592.25 Td (to ) Tj ET Q q 0 0 0 rg BT 251.04 592.25 Td (a ) Tj ET Q q 0 0 0 rg BT 257.97 592.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 282.13 592.25 Td (year ) Tj ET Q q 0 0 0 rg BT 301.84 592.25 Td (refer ) Tj ET Q q 0 0 0 rg BT 323.20 592.25 Td (to ) Tj ET Q q 0 0 0 rg BT 333.48 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 348.20 592.25 Td (calendar ) Tj ET Q q 0 0 0 rg BT 384.56 592.25 Td (year ) Tj ET Q q 0 0 0 rg BT 404.27 592.25 Td (in ) Tj ET Q q 0 0 0 rg BT 414.55 592.25 Td (which ) Tj ET Q q 0 0 0 rg BT 441.48 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 456.20 592.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 480.36 592.25 Td (year ) Tj ET Q q 0 0 0 rg BT 500.06 592.25 Td (ends.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (Executive ) Tj ET Q q 0 0 0 rg BT 94.16 574.25 Td (Summary) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 556.25 Td (otal ) Tj ET Q q 0 0 0 rg BT 73.48 556.25 Td (revenues ) Tj ET Q q 0 0 0 rg BT 112.09 556.25 Td (decreased ) Tj ET Q q 0 0 0 rg BT 154.58 556.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.43 556.25 Td ($1.52 ) Tj ET Q q 0 0 0 rg BT 191.00 556.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.12 556.25 Td ( ) Tj ET Q q 0 0 0 rg BT 220.19 556.25 Td (for ) Tj ET Q q 0 0 0 rg BT 234.92 556.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 259.65 556.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.93 556.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.93 556.25 Td ( ) Tj ET Q q 0 0 0 rg BT 303.01 556.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 345.51 556.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.36 556.25 Td ($1.60 ) Tj ET Q q 0 0 0 rg BT 381.93 556.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.04 556.25 Td ( ) Tj ET Q q 0 0 0 rg BT 411.12 556.25 Td (for ) Tj ET Q q 0 0 0 rg BT 425.85 556.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 450.58 556.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.86 556.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.86 556.25 Td (. ) Tj ET Q q 0 0 0 rg BT 496.44 556.25 Td ( ) Tj ET Q q 0 0 0 rg BT 499.51 556.25 Td (Retail ) Tj ET Q q 0 0 0 rg BT 526.46 556.25 Td (revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.25 Td (decreased ) Tj ET Q q 0 0 0 rg BT 91.86 544.25 Td (to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.14 544.25 Td ($1.19 ) Tj ET Q q 0 0 0 rg BT 127.08 544.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.20 544.25 Td (for ) Tj ET Q q 0 0 0 rg BT 169.80 544.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 193.91 544.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.56 544.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.56 544.25 Td ( ) Tj ET Q q 0 0 0 rg BT 236.01 544.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 277.88 544.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.10 544.25 Td ($1.32 ) Tj ET Q q 0 0 0 rg BT 313.05 544.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.16 544.25 Td (for ) Tj ET Q q 0 0 0 rg BT 355.77 544.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 379.87 544.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.52 544.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.52 544.25 Td (. ) Tj ET Q q 0 0 0 rg BT 424.29 544.25 Td (The ) Tj ET Q q 0 0 0 rg BT 442.28 544.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 479.14 544.25 Td (in ) Tj ET Q q 0 0 0 rg BT 489.37 544.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 512.36 544.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 546.45 544.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 90.15 532.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 118.63 532.25 Td (by ) Tj ET Q q 0 0 0 rg BT 131.56 532.25 Td (a ) Tj ET Q q 0 0 0 rg BT 138.93 532.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 176.28 532.25 Td (in ) Tj ET Q q 0 0 0 rg BT 186.99 532.25 Td (same ) Tj ET Q q 0 0 0 rg BT 210.47 532.25 Td (store ) Tj ET Q q 0 0 0 rg BT 232.84 532.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 255.22 532.25 Td (of ) Tj ET Q q 0 0 0 rg BT 266.48 532.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.17 532.25 Td (1) Tj ET Q q 0 0 0 rg BT 331.80 532.25 Td (1%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.13 532.25 Td (, ) Tj ET Q q 0 0 0 rg BT 350.56 532.25 Td (partially ) Tj ET Q q 0 0 0 rg BT 386.82 532.25 Td (of) Tj ET Q q 0 0 0 rg BT 394.97 532.25 Td (fset ) Tj ET Q q 0 0 0 rg BT 412.34 532.25 Td (by ) Tj ET Q q 0 0 0 rg BT 425.27 532.25 Td (new ) Tj ET Q q 0 0 0 rg BT 444.87 532.25 Td (store ) Tj ET Q q 0 0 0 rg BT 467.24 532.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 489.61 532.25 Td (growth. ) Tj ET Q q 0 0 0 rg BT 523.38 532.25 Td ( ) Tj ET Q q 0 0 0 rg BT 526.31 532.25 Td (Sales ) Tj ET Q q 0 0 0 rg BT 550.35 532.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 74.79 520.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.14 520.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.14 520.25 Td ( ) Tj ET Q q 0 0 0 rg BT 118.28 520.25 Td (were ) Tj ET Q q 0 0 0 rg BT 140.85 520.25 Td (impacted ) Tj ET Q q 0 0 0 rg BT 180.64 520.25 Td (negatively ) Tj ET Q q 0 0 0 rg BT 225.43 520.25 Td (by ) Tj ET Q q 0 0 0 rg BT 238.57 520.25 Td (tightened ) Tj ET Q q 0 0 0 rg BT 278.92 520.25 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 333.72 520.25 Td (standards, ) Tj ET Q q 0 0 0 rg BT 377.12 520.25 Td (the ) Tj ET Q q 0 0 0 rg BT 392.48 520.25 Td (transition ) Tj ET Q q 0 0 0 rg BT 433.39 520.25 Td (of ) Tj ET Q q 0 0 0 rg BT 444.86 520.25 Td (our ) Tj ET Q q 0 0 0 rg BT 461.33 520.25 Td (lease-to-own ) Tj ET Q q 0 0 0 rg BT 516.12 520.25 Td (partner ) Tj ET Q q 0 0 0 rg BT 547.57 520.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.25 Td (general ) Tj ET Q q 0 0 0 rg BT 85.83 508.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 131.11 508.25 Td (softness ) Tj ET Q q 0 0 0 rg BT 169.73 508.25 Td (along ) Tj ET Q q 0 0 0 rg BT 198.35 508.25 Td (the ) Tj ET Q q 0 0 0 rg BT 216.97 508.25 Td (Mexico ) Tj ET Q q 0 0 0 rg BT 253.92 508.25 Td (border) Tj ET Q q 0 0 0 rg BT 279.47 508.25 Td (. ) Tj ET Q q 0 0 0 rg BT 288.37 508.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 322.27 508.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 360.32 508.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 404.48 508.25 Td (to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.76 508.25 Td ($323.7 ) Tj ET Q q 0 0 0 rg BT 448.66 508.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.55 508.25 Td (for ) Tj ET Q q 0 0 0 rg BT 498.11 508.25 Td (the ) Tj ET Q q 0 0 0 rg BT 516.73 508.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 544.79 508.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 496.25 Td (from) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.44 496.25 Td ($280.8 ) Tj ET Q q 0 0 0 rg BT 124.34 496.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.23 496.25 Td ( ) Tj ET Q q 0 0 0 rg BT 155.63 496.25 Td (for ) Tj ET Q q 0 0 0 rg BT 169.69 496.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 193.74 496.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.35 496.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.35 496.25 Td (.) Tj ET Q q 0 0 0 rg BT 238.17 496.25 Td (The ) Tj ET Q q 0 0 0 rg BT 256.11 496.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 291.27 496.25 Td (in ) Tj ET Q q 0 0 0 rg BT 301.44 496.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 326.60 496.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 360.65 496.25 Td (resulted ) Tj ET Q q 0 0 0 rg BT 394.70 496.25 Td (from ) Tj ET Q q 0 0 0 rg BT 416.54 496.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 456.69 496.25 Td (originations ) Tj ET Q q 0 0 0 rg BT 506.87 496.25 Td (of ) Tj ET Q q 0 0 0 rg BT 517.60 496.25 Td (our ) Tj ET Q q 0 0 0 rg BT 533.32 496.25 Td (higher) Tj ET Q q 0 0 0 rg BT 558.67 496.25 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.25 Td (yielding ) Tj ET Q q 0 0 0 rg BT 85.60 484.25 Td (direct ) Tj ET Q q 0 0 0 rg BT 111.20 484.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 131.25 484.25 Td (product, ) Tj ET Q q 0 0 0 rg BT 167.13 484.25 Td (which ) Tj ET Q q 0 0 0 rg BT 194.39 484.25 Td (resulted ) Tj ET Q q 0 0 0 rg BT 228.88 484.25 Td (in ) Tj ET Q q 0 0 0 rg BT 239.49 484.25 Td (an ) Tj ET Q q 0 0 0 rg BT 251.76 484.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 287.34 484.25 Td (in ) Tj ET Q q 0 0 0 rg BT 297.95 484.25 Td (the ) Tj ET Q q 0 0 0 rg BT 313.00 484.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 350.83 484.25 Td (yield ) Tj ET Q q 0 0 0 rg BT 373.65 484.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 391.47 484.25 Td (to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.75 484.25 Td (19.3%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.58 484.25 Td (from) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.02 484.25 Td (15.4%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.85 484.25 Td (, ) Tj ET Q q 0 0 0 rg BT 483.18 484.25 Td (partially ) Tj ET Q q 0 0 0 rg BT 519.33 484.25 Td (of) Tj ET Q q 0 0 0 rg BT 527.48 484.25 Td (fset ) Tj ET Q q 0 0 0 rg BT 544.75 484.25 Td (by ) Tj ET Q q 0 0 0 rg BT 557.58 484.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.25 Td (3.3%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.83 472.25 Td ( ) Tj ET Q q 0 0 0 rg BT 73.33 472.25 Td (decline ) Tj ET Q q 0 0 0 rg BT 104.70 472.25 Td (in ) Tj ET Q q 0 0 0 rg BT 114.98 472.25 Td (the ) Tj ET Q q 0 0 0 rg BT 129.70 472.25 Td (average ) Tj ET Q q 0 0 0 rg BT 163.28 472.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 196.31 472.25 Td (of ) Tj ET Q q 0 0 0 rg BT 207.14 472.25 Td (the ) Tj ET Q q 0 0 0 rg BT 221.86 472.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 261.02 472.25 Td (receivable ) Tj ET Q q 0 0 0 rg BT 304.59 472.25 Td (portfolio. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (Retail ) Tj ET Q q 0 0 0 rg BT 76.36 454.25 Td (gross ) Tj ET Q q 0 0 0 rg BT 99.95 454.25 Td (mar) Tj ET Q q 0 0 0 rg BT 115.32 454.25 Td (gin ) Tj ET Q q 0 0 0 rg BT 130.58 454.25 Td (for ) Tj ET Q q 0 0 0 rg BT 144.72 454.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 168.85 454.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.54 454.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.54 454.25 Td ( ) Tj ET Q q 0 0 0 rg BT 211.02 454.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.05 454.25 Td (39.6%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.88 454.25 Td (, ) Tj ET Q q 0 0 0 rg BT 259.86 454.25 Td (an ) Tj ET Q q 0 0 0 rg BT 271.78 454.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 307.01 454.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.82 454.25 Td (220) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.82 454.25 Td ( ) Tj ET Q q 0 0 0 rg BT 335.30 454.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 357.78 454.25 Td (points ) Tj ET Q q 0 0 0 rg BT 384.71 454.25 Td (from ) Tj ET Q q 0 0 0 rg BT 406.63 454.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.32 454.25 Td (37.4%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.15 454.25 Td ( ) Tj ET Q q 0 0 0 rg BT 449.63 454.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 485.43 454.25 Td (in ) Tj ET Q q 0 0 0 rg BT 495.68 454.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 519.82 454.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.50 454.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 454.25 Td (. ) Tj ET Q q 0 0 0 rg BT 564.50 454.25 Td ( ) Tj ET Q q 0 0 0 rg BT 567.00 454.25 Td ( ) Tj ET Q q 0 0 0 rg BT 569.50 454.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.86 442.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 102.93 442.25 Td (in ) Tj ET Q q 0 0 0 rg BT 113.03 442.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 135.89 442.25 Td (gross ) Tj ET Q q 0 0 0 rg BT 159.32 442.25 Td (mar) Tj ET Q q 0 0 0 rg BT 174.69 442.25 Td (gin ) Tj ET Q q 0 0 0 rg BT 189.78 442.25 Td (was ) Tj ET Q q 0 0 0 rg BT 207.65 442.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 235.51 442.25 Td (by ) Tj ET Q q 0 0 0 rg BT 247.83 442.25 Td (improved ) Tj ET Q q 0 0 0 rg BT 288.47 442.25 Td (product ) Tj ET Q q 0 0 0 rg BT 321.34 442.25 Td (mar) Tj ET Q q 0 0 0 rg BT 336.70 442.25 Td (gins ) Tj ET Q q 0 0 0 rg BT 355.69 442.25 Td (across ) Tj ET Q q 0 0 0 rg BT 383.00 442.25 Td (all ) Tj ET Q q 0 0 0 rg BT 395.31 442.25 Td (product ) Tj ET Q q 0 0 0 rg BT 428.17 442.25 Td (categories, ) Tj ET Q q 0 0 0 rg BT 473.52 442.25 Td (favorable ) Tj ET Q q 0 0 0 rg BT 513.59 442.25 Td (product ) Tj ET Q q 0 0 0 rg BT 546.46 442.25 Td (mix ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 430.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 92.21 430.25 Td (warehouse, ) Tj ET Q q 0 0 0 rg BT 139.97 430.25 Td (delivery ) Tj ET Q q 0 0 0 rg BT 175.23 430.25 Td (and ) Tj ET Q q 0 0 0 rg BT 192.17 430.25 Td (transportation ) Tj ET Q q 0 0 0 rg BT 250.21 430.25 Td (expenses ) Tj ET Q q 0 0 0 rg BT 288.81 430.25 Td (as ) Tj ET Q q 0 0 0 rg BT 299.64 430.25 Td (a ) Tj ET Q q 0 0 0 rg BT 306.58 430.25 Td (result ) Tj ET Q q 0 0 0 rg BT 331.29 430.25 Td (of ) Tj ET Q q 0 0 0 rg BT 342.12 430.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 382.38 430.25 Td (ef) Tj ET Q q 0 0 0 rg BT 389.97 430.25 Td (ficiencies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.78 430.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.25 Td (SG&A) Tj ET Q q 0 0 0 rg BT 77.23 412.25 Td ( ) Tj ET Q q 0 0 0 rg BT 79.67 412.25 Td (for ) Tj ET Q q 0 0 0 rg BT 93.77 412.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 117.87 412.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.52 412.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.52 412.25 Td ( ) Tj ET Q q 0 0 0 rg BT 159.96 412.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.95 412.25 Td ($450.4 ) Tj ET Q q 0 0 0 rg BT 207.90 412.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.79 412.25 Td (, ) Tj ET Q q 0 0 0 rg BT 241.73 412.25 Td (a ) Tj ET Q q 0 0 0 rg BT 248.61 412.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 285.46 412.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.24 412.25 Td ($10.5 ) Tj ET Q q 0 0 0 rg BT 321.18 412.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.07 412.25 Td (, ) Tj ET Q q 0 0 0 rg BT 355.01 412.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.78 412.25 Td (2.3%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.61 412.25 Td (, ) Tj ET Q q 0 0 0 rg BT 391.55 412.25 Td (over ) Tj ET Q q 0 0 0 rg BT 411.76 412.25 Td (the ) Tj ET Q q 0 0 0 rg BT 426.42 412.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 448.30 412.25 Td (year) Tj ET Q q 0 0 0 rg BT 464.96 412.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.72 412.25 Td (The ) Tj ET Q q 0 0 0 rg BT 487.71 412.25 Td (SG&A) Tj ET Q q 0 0 0 rg BT 514.94 412.25 Td ( ) Tj ET Q q 0 0 0 rg BT 517.38 412.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 554.24 412.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.66 400.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 89.86 400.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 125.62 400.25 Td (of ) Tj ET Q q 0 0 0 rg BT 136.39 400.25 Td ($0.7 ) Tj ET Q q 0 0 0 rg BT 156.33 400.25 Td (million ) Tj ET Q q 0 0 0 rg BT 187.66 400.25 Td (was ) Tj ET Q q 0 0 0 rg BT 205.65 400.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 245.30 400.25 Td (due ) Tj ET Q q 0 0 0 rg BT 262.18 400.25 Td (to ) Tj ET Q q 0 0 0 rg BT 272.40 400.25 Td (a ) Tj ET Q q 0 0 0 rg BT 279.27 400.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 316.13 400.25 Td (in ) Tj ET Q q 0 0 0 rg BT 326.35 400.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 384.33 400.25 Td (costs, ) Tj ET Q q 0 0 0 rg BT 409.27 400.25 Td (partially ) Tj ET Q q 0 0 0 rg BT 445.02 400.25 Td (of) Tj ET Q q 0 0 0 rg BT 453.17 400.25 Td (fset ) Tj ET Q q 0 0 0 rg BT 470.05 400.25 Td (by ) Tj ET Q q 0 0 0 rg BT 482.49 400.25 Td (an ) Tj ET Q q 0 0 0 rg BT 494.37 400.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 529.56 400.25 Td (in ) Tj ET Q q 0 0 0 rg BT 539.78 400.25 Td (third-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.25 Td (party ) Tj ET Q q 0 0 0 rg BT 73.13 388.25 Td (legal ) Tj ET Q q 0 0 0 rg BT 95.14 388.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 117.71 388.25 Td (related ) Tj ET Q q 0 0 0 rg BT 147.50 388.25 Td (to ) Tj ET Q q 0 0 0 rg BT 157.85 388.25 Td (collection ) Tj ET Q q 0 0 0 rg BT 199.86 388.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 238.54 388.25 Td (and ) Tj ET Q q 0 0 0 rg BT 255.55 388.25 Td (an ) Tj ET Q q 0 0 0 rg BT 267.57 388.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 302.90 388.25 Td (in ) Tj ET Q q 0 0 0 rg BT 313.26 388.25 Td (the ) Tj ET Q q 0 0 0 rg BT 328.05 388.25 Td (corporate ) Tj ET Q q 0 0 0 rg BT 368.38 388.25 Td (overhead ) Tj ET Q q 0 0 0 rg BT 407.61 388.25 Td (allocation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.54 388.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.11 388.25 Td ( ) Tj ET Q q 0 0 0 rg BT 454.51 388.25 Td (The ) Tj ET Q q 0 0 0 rg BT 472.63 388.25 Td (SG&A) Tj ET Q q 0 0 0 rg BT 499.86 388.25 Td ( ) Tj ET Q q 0 0 0 rg BT 502.44 388.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 539.43 388.25 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 388.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 72.18 376.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 107.14 376.25 Td (of ) Tj ET Q q 0 0 0 rg BT 117.11 376.25 Td ($9.8 ) Tj ET Q q 0 0 0 rg BT 136.25 376.25 Td (million ) Tj ET Q q 0 0 0 rg BT 166.77 376.25 Td (was ) Tj ET Q q 0 0 0 rg BT 183.96 376.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 222.81 376.25 Td (due ) Tj ET Q q 0 0 0 rg BT 238.89 376.25 Td (to ) Tj ET Q q 0 0 0 rg BT 248.30 376.25 Td (a ) Tj ET Q q 0 0 0 rg BT 254.38 376.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 290.43 376.25 Td (in ) Tj ET Q q 0 0 0 rg BT 299.85 376.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 357.03 376.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 378.66 376.25 Td (and ) Tj ET Q q 0 0 0 rg BT 394.74 376.25 Td (a ) Tj ET Q q 0 0 0 rg BT 400.81 376.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 436.87 376.25 Td (in ) Tj ET Q q 0 0 0 rg BT 446.28 376.25 Td (advertising ) Tj ET Q q 0 0 0 rg BT 492.35 376.25 Td (expense, ) Tj ET Q q 0 0 0 rg BT 528.70 376.25 Td (partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.25 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 364.25 Td (fset ) Tj ET Q q 0 0 0 rg BT 74.80 364.25 Td (by ) Tj ET Q q 0 0 0 rg BT 87.02 364.25 Td (an ) Tj ET Q q 0 0 0 rg BT 98.68 364.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 133.65 364.25 Td (in ) Tj ET Q q 0 0 0 rg BT 143.64 364.25 Td (the ) Tj ET Q q 0 0 0 rg BT 158.08 364.25 Td (corporate ) Tj ET Q q 0 0 0 rg BT 198.05 364.25 Td (overhead ) Tj ET Q q 0 0 0 rg BT 236.91 364.25 Td (allocation, ) Tj ET Q q 0 0 0 rg BT 281.05 364.25 Td (an ) Tj ET Q q 0 0 0 rg BT 292.71 364.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 327.68 364.25 Td (in ) Tj ET Q q 0 0 0 rg BT 337.68 364.25 Td (occupancy ) Tj ET Q q 0 0 0 rg BT 382.65 364.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 404.86 364.25 Td (due ) Tj ET Q q 0 0 0 rg BT 421.52 364.25 Td (to ) Tj ET Q q 0 0 0 rg BT 431.51 364.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 473.72 364.25 Td (stores ) Tj ET Q q 0 0 0 rg BT 499.27 364.25 Td (opened ) Tj ET Q q 0 0 0 rg BT 530.36 364.25 Td (in ) Tj ET Q q 0 0 0 rg BT 540.36 364.25 Td (fiscal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.25 Td (year ) Tj ET Q q 0 0 0 rg BT 69.51 352.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 91.81 352.25 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.25 352.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.75 352.25 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 128.55 352.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.44 352.25 Td (of ) Tj ET Q q 0 0 0 rg BT 170.58 352.25 Td (expenses ) Tj ET Q q 0 0 0 rg BT 208.98 352.25 Td (incurred, ) Tj ET Q q 0 0 0 rg BT 247.09 352.25 Td (net ) Tj ET Q q 0 0 0 rg BT 261.61 352.25 Td (of ) Tj ET Q q 0 0 0 rg BT 272.25 352.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 312.87 352.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 353.49 352.25 Td (proceeds, ) Tj ET Q q 0 0 0 rg BT 393.83 352.25 Td (related ) Tj ET Q q 0 0 0 rg BT 423.33 352.25 Td (to ) Tj ET Q q 0 0 0 rg BT 433.41 352.25 Td (Hurricane ) Tj ET Q q 0 0 0 rg BT 475.69 352.25 Td (Harvey) Tj ET Q q 0 0 0 rg BT 504.47 352.25 Td (. ) Tj ET Q q 0 0 0 rg BT 509.27 352.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.41 352.25 Td (The ) Tj ET Q q 0 0 0 rg BT 529.25 352.25 Td (increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.25 Td (in ) Tj ET Q q 0 0 0 rg BT 61.20 340.25 Td (the ) Tj ET Q q 0 0 0 rg BT 76.83 340.25 Td (corporate ) Tj ET Q q 0 0 0 rg BT 118.00 340.25 Td (overhead ) Tj ET Q q 0 0 0 rg BT 158.07 340.25 Td (allocation ) Tj ET Q q 0 0 0 rg BT 200.91 340.25 Td (made ) Tj ET Q q 0 0 0 rg BT 225.99 340.25 Td (to ) Tj ET Q q 0 0 0 rg BT 237.18 340.25 Td (each ) Tj ET Q q 0 0 0 rg BT 258.92 340.25 Td (of ) Tj ET Q q 0 0 0 rg BT 270.66 340.25 Td (the ) Tj ET Q q 0 0 0 rg BT 286.30 340.25 Td (segments ) Tj ET Q q 0 0 0 rg BT 326.93 340.25 Td (was ) Tj ET Q q 0 0 0 rg BT 345.90 340.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 374.87 340.25 Td (by ) Tj ET Q q 0 0 0 rg BT 388.29 340.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 439.48 340.25 Td (we ) Tj ET Q q 0 0 0 rg BT 454.56 340.25 Td (are ) Tj ET Q q 0 0 0 rg BT 470.18 340.25 Td (making ) Tj ET Q q 0 0 0 rg BT 503.59 340.25 Td (in ) Tj ET Q q 0 0 0 rg BT 514.79 340.25 Td (information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.25 Td (technology) Tj ET Q q 0 0 0 rg BT 93.78 328.25 Td (, ) Tj ET Q q 0 0 0 rg BT 100.12 328.25 Td (other ) Tj ET Q q 0 0 0 rg BT 124.50 328.25 Td (personnel ) Tj ET Q q 0 0 0 rg BT 167.21 328.25 Td (to ) Tj ET Q q 0 0 0 rg BT 178.82 328.25 Td (support ) Tj ET Q q 0 0 0 rg BT 212.65 328.25 Td (long-term ) Tj ET Q q 0 0 0 rg BT 255.92 328.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 310.27 328.25 Td (improvement ) Tj ET Q q 0 0 0 rg BT 367.42 328.25 Td (initiatives ) Tj ET Q q 0 0 0 rg BT 410.69 328.25 Td (and ) Tj ET Q q 0 0 0 rg BT 428.96 328.25 Td (an ) Tj ET Q q 0 0 0 rg BT 442.24 328.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 478.82 328.25 Td (in ) Tj ET Q q 0 0 0 rg BT 490.43 328.25 Td (accrued ) Tj ET Q q 0 0 0 rg BT 525.35 328.25 Td (incentive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.25 Td (compensation.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (Provision ) Tj ET Q q 0 0 0 rg BT 90.89 298.25 Td (for ) Tj ET Q q 0 0 0 rg BT 105.10 298.25 Td (bad ) Tj ET Q q 0 0 0 rg BT 122.08 298.25 Td (debts ) Tj ET Q q 0 0 0 rg BT 145.74 298.25 Td (for ) Tj ET Q q 0 0 0 rg BT 159.95 298.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 184.16 298.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.91 298.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.91 298.25 Td ( ) Tj ET Q q 0 0 0 rg BT 226.46 298.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.56 298.25 Td ($216.9 ) Tj ET Q q 0 0 0 rg BT 274.61 298.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 298.25 Td (, ) Tj ET Q q 0 0 0 rg BT 308.55 298.25 Td (a ) Tj ET Q q 0 0 0 rg BT 315.54 298.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 352.50 298.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.38 298.25 Td ($25.4 ) Tj ET Q q 0 0 0 rg BT 388.43 298.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.32 298.25 Td ( ) Tj ET Q q 0 0 0 rg BT 419.87 298.25 Td (from ) Tj ET Q q 0 0 0 rg BT 441.86 298.25 Td (the ) Tj ET Q q 0 0 0 rg BT 456.62 298.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 478.61 298.25 Td (year) Tj ET Q q 0 0 0 rg BT 495.26 298.25 Td (. ) Tj ET Q q 0 0 0 rg BT 500.31 298.25 Td ( ) Tj ET Q q 0 0 0 rg BT 502.68 298.25 Td (The ) Tj ET Q q 0 0 0 rg BT 520.77 298.25 Td (year) Tj ET Q q 0 0 0 rg BT 537.78 298.25 Td (-over) Tj ET Q q 0 0 0 rg BT 558.68 298.25 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (year ) Tj ET Q q 0 0 0 rg BT 69.71 286.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 106.62 286.25 Td (was ) Tj ET Q q 0 0 0 rg BT 124.67 286.25 Td (driven ) Tj ET Q q 0 0 0 rg BT 152.72 286.25 Td (by ) Tj ET Q q 0 0 0 rg BT 165.22 286.25 Td (the ) Tj ET Q q 0 0 0 rg BT 179.94 286.25 Td (following:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 268.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 268.25 Td (a ) Tj ET Q q 0 0 0 rg BT 93.25 268.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 130.47 268.25 Td (in ) Tj ET Q q 0 0 0 rg BT 141.06 268.25 Td (our ) Tj ET Q q 0 0 0 rg BT 157.20 268.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 198.33 268.25 Td (non-T) Tj ET Q q 0 0 0 rg BT 222.42 268.25 Td (roubled ) Tj ET Q q 0 0 0 rg BT 255.78 268.25 Td (Debt ) Tj ET Q q 0 0 0 rg BT 278.02 268.25 Td (Restructurings ) Tj ET Q q 0 0 0 rg BT 339.16 268.25 Td (\("non-TDR"\) ) Tj ET Q q 0 0 0 rg BT 395.12 268.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 413.50 268.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 431.29 268.25 Td (as ) Tj ET Q q 0 0 0 rg BT 442.43 268.25 Td (a ) Tj ET Q q 0 0 0 rg BT 449.68 268.25 Td (result ) Tj ET Q q 0 0 0 rg BT 474.71 268.25 Td (of ) Tj ET Q q 0 0 0 rg BT 485.85 268.25 Td (an ) Tj ET Q q 0 0 0 rg BT 498.09 268.25 Td (improvement ) Tj ET Q q 0 0 0 rg BT 554.23 268.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 256.25 Td (the ) Tj ET Q q 0 0 0 rg BT 100.72 256.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 125.98 256.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 156.25 256.25 Td (of ) Tj ET Q q 0 0 0 rg BT 167.08 256.25 Td (our ) Tj ET Q q 0 0 0 rg BT 182.91 256.25 Td (portfolio; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 238.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 238.25 Td (change ) Tj ET Q q 0 0 0 rg BT 116.58 238.25 Td (in ) Tj ET Q q 0 0 0 rg BT 126.62 238.25 Td (estimate ) Tj ET Q q 0 0 0 rg BT 162.20 238.25 Td (of ) Tj ET Q q 0 0 0 rg BT 172.79 238.25 Td ($5.0 ) Tj ET Q q 0 0 0 rg BT 192.55 238.25 Td (million ) Tj ET Q q 0 0 0 rg BT 223.70 238.25 Td (in ) Tj ET Q q 0 0 0 rg BT 233.74 238.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 257.66 238.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.12 238.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.12 238.25 Td ( ) Tj ET Q q 0 0 0 rg BT 299.38 238.25 Td (related ) Tj ET Q q 0 0 0 rg BT 328.85 238.25 Td (to ) Tj ET Q q 0 0 0 rg BT 338.89 238.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 379.47 238.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 401.17 238.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 415.64 238.25 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 458.99 238.25 Td (on ) Tj ET Q q 0 0 0 rg BT 471.25 238.25 Td (previously ) Tj ET Q q 0 0 0 rg BT 515.73 238.25 Td (char) Tj ET Q q 0 0 0 rg BT 532.75 238.25 Td (ged-of) Tj ET Q q 0 0 0 rg BT 558.67 238.25 Td (f ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 226.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 123.49 226.25 Td (that ) Tj ET Q q 0 0 0 rg BT 140.98 226.25 Td (resulted ) Tj ET Q q 0 0 0 rg BT 175.14 226.25 Td (in ) Tj ET Q q 0 0 0 rg BT 185.41 226.25 Td (an ) Tj ET Q q 0 0 0 rg BT 197.35 226.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 232.61 226.25 Td (to ) Tj ET Q q 0 0 0 rg BT 242.88 226.25 Td (the ) Tj ET Q q 0 0 0 rg BT 257.60 226.25 Td (provision ) Tj ET Q q 0 0 0 rg BT 297.88 226.25 Td (in ) Tj ET Q q 0 0 0 rg BT 308.16 226.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 332.31 226.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.02 226.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.02 226.25 Td (; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 208.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 208.25 Td (a ) Tj ET Q q 0 0 0 rg BT 94.59 208.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 133.16 208.25 Td (in ) Tj ET Q q 0 0 0 rg BT 145.08 208.25 Td (our ) Tj ET Q q 0 0 0 rg BT 162.57 208.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 204.74 208.25 Td (T) Tj ET Q q 0 0 0 rg BT 210.50 208.25 Td (roubled ) Tj ET Q q 0 0 0 rg BT 245.19 208.25 Td (Debt ) Tj ET Q q 0 0 0 rg BT 268.78 208.25 Td (Restructurings ) Tj ET Q q 0 0 0 rg BT 331.26 208.25 Td (\("TDR"\) ) Tj ET Q q 0 0 0 rg BT 370.24 208.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 389.95 208.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 409.08 208.25 Td (as ) Tj ET Q q 0 0 0 rg BT 421.57 208.25 Td (a ) Tj ET Q q 0 0 0 rg BT 430.16 208.25 Td (result ) Tj ET Q q 0 0 0 rg BT 456.52 208.25 Td (of ) Tj ET Q q 0 0 0 rg BT 469.01 208.25 Td (improvements ) Tj ET Q q 0 0 0 rg BT 530.37 208.25 Td (in ) Tj ET Q q 0 0 0 rg BT 542.00 208.25 Td (TDR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 196.25 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 137.37 196.25 Td (rates; ) Tj ET Q q 0 0 0 rg BT 161.53 196.25 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 178.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 178.25 Td (a ) Tj ET Q q 0 0 0 rg BT 92.94 178.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 129.85 178.25 Td (in ) Tj ET Q q 0 0 0 rg BT 140.13 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 154.85 178.25 Td (average ) Tj ET Q q 0 0 0 rg BT 188.43 178.25 Td (receivable ) Tj ET Q q 0 0 0 rg BT 232.01 178.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 269.51 178.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 302.54 178.25 Td (over ) Tj ET Q q 0 0 0 rg BT 322.81 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 337.52 178.25 Td (past ) Tj ET Q q 0 0 0 rg BT 356.13 178.25 Td (12 ) Tj ET Q q 0 0 0 rg BT 368.63 178.25 Td (months,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.25 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 160.25 Td (partially ) Tj ET Q q 0 0 0 rg BT 121.82 160.25 Td (of) Tj ET Q q 0 0 0 rg BT 129.97 160.25 Td (fset ) Tj ET Q q 0 0 0 rg BT 146.91 160.25 Td (by:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 142.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 142.25 Td (an ) Tj ET Q q 0 0 0 rg BT 97.94 142.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 133.19 142.25 Td (in ) Tj ET Q q 0 0 0 rg BT 143.47 142.25 Td (the ) Tj ET Q q 0 0 0 rg BT 158.01 142.25 Td (TDR ) Tj ET Q q 0 0 0 rg BT 180.51 142.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 213.54 142.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.26 142.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 271.85 142.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.85 142.25 Td ( ) Tj ET Q q 0 0 0 rg BT 294.35 142.25 Td (as ) Tj ET Q q 0 0 0 rg BT 305.18 142.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 347.11 142.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.39 142.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 405.99 142.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.99 142.25 Td (; ) Tj ET Q q 0 0 0 rg BT 431.26 142.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 124.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 124.25 Td (an ) Tj ET Q q 0 0 0 rg BT 97.94 124.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 133.19 124.25 Td (in ) Tj ET Q q 0 0 0 rg BT 143.47 124.25 Td (the ) Tj ET Q q 0 0 0 rg BT 158.19 124.25 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 202.89 124.25 Td (reserve ) Tj ET Q q 0 0 0 rg BT 234.26 124.25 Td (related ) Tj ET Q q 0 0 0 rg BT 263.96 124.25 Td (to ) Tj ET Q q 0 0 0 rg BT 274.24 124.25 Td (Hurricane ) Tj ET Q q 0 0 0 rg BT 316.72 124.25 Td (Harvey ) Tj ET Q q 0 0 0 rg BT 348.65 124.25 Td (of ) Tj ET Q q 0 0 0 rg BT 359.48 124.25 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 379.48 124.25 Td (million.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.25 Td (Interest ) Tj ET Q q 0 0 0 rg BT 81.75 106.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 115.73 106.25 Td (decreased ) Tj ET Q q 0 0 0 rg BT 156.91 106.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.45 106.25 Td ($80.2 ) Tj ET Q q 0 0 0 rg BT 190.72 106.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.61 106.25 Td ( ) Tj ET Q q 0 0 0 rg BT 221.38 106.25 Td (for ) Tj ET Q q 0 0 0 rg BT 234.80 106.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 258.22 106.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.20 106.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.20 106.25 Td ( ) Tj ET Q q 0 0 0 rg BT 298.96 106.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 340.16 106.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.70 106.25 Td ($98.6 ) Tj ET Q q 0 0 0 rg BT 373.97 106.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.86 106.25 Td ( ) Tj ET Q q 0 0 0 rg BT 404.63 106.25 Td (for ) Tj ET Q q 0 0 0 rg BT 418.05 106.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 441.47 106.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.45 106.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.45 106.25 Td (, ) Tj ET Q q 0 0 0 rg BT 484.71 106.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 523.69 106.25 Td (reflecting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.25 Td (a ) Tj ET Q q 0 0 0 rg BT 56.92 94.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 82.17 94.25 Td (ef) Tj ET Q q 0 0 0 rg BT 89.75 94.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 119.44 94.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 138.02 94.25 Td (of ) Tj ET Q q 0 0 0 rg BT 148.83 94.25 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 192.97 94.25 Td (and ) Tj ET Q q 0 0 0 rg BT 209.89 94.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 235.14 94.25 Td (average ) Tj ET Q q 0 0 0 rg BT 268.70 94.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 317.85 94.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 350.86 94.25 Td (of ) Tj ET Q q 0 0 0 rg BT 361.67 94.25 Td (debt. ) Tj ET Q q 0 0 0 rg BT 383.86 94.25 Td (Interest ) Tj ET Q q 0 0 0 rg BT 416.33 94.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 451.02 94.25 Td (during ) Tj ET Q q 0 0 0 rg BT 479.60 94.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 503.74 94.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.42 94.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.42 94.25 Td ( ) Tj ET Q q 0 0 0 rg BT 545.90 94.25 Td (also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.25 Td (benefited ) Tj ET Q q 0 0 0 rg BT 89.70 82.25 Td (from ) Tj ET Q q 0 0 0 rg BT 111.64 82.25 Td (the ) Tj ET Q q 0 0 0 rg BT 126.36 82.25 Td (early ) Tj ET Q q 0 0 0 rg BT 148.84 82.25 Td (redemption ) Tj ET Q q 0 0 0 rg BT 196.88 82.25 Td (of ) Tj ET Q q 0 0 0 rg BT 207.71 82.25 Td (previously ) Tj ET Q q 0 0 0 rg BT 252.43 82.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 279.93 82.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 307.98 82.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 326.59 82.25 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 380.17 82.25 Td (notes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.40 64.25 Td (income ) Tj ET Q q 0 0 0 rg BT 97.80 64.25 Td (for ) Tj ET Q q 0 0 0 rg BT 111.43 64.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 135.04 64.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.22 64.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.22 64.25 Td ( ) Tj ET Q q 0 0 0 rg BT 176.18 64.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.70 64.25 Td ($6.5 ) Tj ET Q q 0 0 0 rg BT 213.16 64.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.05 64.25 Td (, ) Tj ET Q q 0 0 0 rg BT 246.52 64.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.81 64.25 Td ($0.20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.31 64.25 Td ( ) Tj ET Q q 0 0 0 rg BT 281.28 64.25 Td (per ) Tj ET Q q 0 0 0 rg BT 296.01 64.25 Td (diluted ) Tj ET Q q 0 0 0 rg BT 325.75 64.25 Td (share, ) Tj ET Q q 0 0 0 rg BT 351.31 64.25 Td (which ) Tj ET Q q 0 0 0 rg BT 377.71 64.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 413.00 64.25 Td (a ) Tj ET Q q 0 0 0 rg BT 419.40 64.25 Td (char) Tj ET Q q 0 0 0 rg BT 436.43 64.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 447.83 64.25 Td (related ) Tj ET Q q 0 0 0 rg BT 477.00 64.25 Td (to ) Tj ET Q q 0 0 0 rg BT 486.74 64.25 Td (the ) Tj ET Q q 0 0 0 rg BT 500.92 64.25 Td (remeasurement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 52.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.57 52.25 Td (our ) Tj ET Q q 0 0 0 rg BT 76.15 52.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 111.69 52.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 126.15 52.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 151.73 52.25 Td (and ) Tj ET Q q 0 0 0 rg BT 168.41 52.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 207.87 52.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.44 52.25 Td ($13.1 ) Tj ET Q q 0 0 0 rg BT 243.18 52.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.07 52.25 Td ( ) Tj ET Q q 0 0 0 rg BT 274.32 52.25 Td (related ) Tj ET Q q 0 0 0 rg BT 303.76 52.25 Td (to ) Tj ET Q q 0 0 0 rg BT 313.78 52.25 Td (the ) Tj ET Q q 0 0 0 rg BT 328.08 52.25 Td (T) Tj ET Q q 0 0 0 rg BT 333.49 52.25 Td (ax ) Tj ET Q q 0 0 0 rg BT 345.17 52.25 Td (Cuts ) Tj ET Q q 0 0 0 rg BT 365.75 52.25 Td (and ) Tj ET Q q 0 0 0 rg BT 382.43 52.25 Td (Jobs ) Tj ET Q q 0 0 0 rg BT 401.97 52.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 418.65 52.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 436.44 52.25 Td (T) Tj ET Q q 0 0 0 rg BT 446.28 52.25 Td (ax ) Tj ET Q q 0 0 0 rg BT 457.47 52.25 Td (Act\), ) Tj ET Q q 0 0 0 rg BT 484.42 52.25 Td (pre-tax ) Tj ET Q q 0 0 0 rg BT 514.98 52.25 Td (char) Tj ET Q q 0 0 0 rg BT 532.00 52.25 Td (ges ) Tj ET Q q 0 0 0 rg BT 547.58 52.25 Td (and ) Tj ET Q endstream endobj 75 0 obj <>] /Rotate 0 /Contents 76 0 R>> endobj 76 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (36) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (credits ) Tj ET Q q 0 0 0 rg BT 79.37 742.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.42 742.10 Td ($13.3 ) Tj ET Q q 0 0 0 rg BT 115.64 742.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.53 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 147.25 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 164.40 742.10 Td (pre-tax ) Tj ET Q q 0 0 0 rg BT 195.43 742.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 222.04 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 234.76 742.10 Td (extinguishment ) Tj ET Q q 0 0 0 rg BT 299.14 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 310.19 742.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 330.12 742.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.17 742.10 Td ($3.3 ) Tj ET Q q 0 0 0 rg BT 361.38 742.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.28 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 392.99 742.10 Td (related ) Tj ET Q q 0 0 0 rg BT 422.91 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 433.41 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 448.34 742.10 Td (early ) Tj ET Q q 0 0 0 rg BT 471.04 742.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 519.30 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 530.35 742.10 Td (existing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (debt. ) Tj ET Q q 0 0 0 rg BT 71.80 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 89.58 730.10 Td (after) Tj ET Q q 0 0 0 rg BT 107.70 730.10 Td (-tax ) Tj ET Q q 0 0 0 rg BT 125.49 730.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 154.94 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 165.51 730.10 Td (these ) Tj ET Q q 0 0 0 rg BT 188.30 730.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 224.43 730.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.22 730.10 Td ($0.75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.72 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 266.96 730.10 Td (per ) Tj ET Q q 0 0 0 rg BT 281.97 730.10 Td (diluted ) Tj ET Q q 0 0 0 rg BT 311.99 730.10 Td (share. ) Tj ET Q q 0 0 0 rg BT 337.83 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 339.91 730.10 Td (This ) Tj ET Q q 0 0 0 rg BT 359.92 730.10 Td (compares ) Tj ET Q q 0 0 0 rg BT 400.48 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 410.50 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 417.18 730.10 Td (net ) Tj ET Q q 0 0 0 rg BT 431.64 730.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 449.44 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 463.34 730.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 487.24 730.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.69 730.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.69 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 528.93 730.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.50 730.10 Td ($25.6 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 83.31 718.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.55 718.10 Td ($0.83) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.05 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 117.96 718.10 Td (per ) Tj ET Q q 0 0 0 rg BT 132.65 718.10 Td (diluted ) Tj ET Q q 0 0 0 rg BT 162.33 718.10 Td (share, ) Tj ET Q q 0 0 0 rg BT 187.85 718.10 Td (which ) Tj ET Q q 0 0 0 rg BT 214.20 718.10 Td (included ) Tj ET Q q 0 0 0 rg BT 250.55 718.10 Td (pre-tax ) Tj ET Q q 0 0 0 rg BT 280.78 718.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 314.90 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 324.59 718.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 359.82 718.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.07 718.10 Td ($13.2 ) Tj ET Q q 0 0 0 rg BT 394.48 718.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.37 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 427.79 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 434.14 718.10 Td (discrete ) Tj ET Q q 0 0 0 rg BT 467.15 718.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 481.28 718.10 Td (item ) Tj ET Q q 0 0 0 rg BT 500.97 718.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.21 718.10 Td ($0.9 ) Tj ET Q q 0 0 0 rg BT 530.63 718.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.52 718.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 706.10 Td (pre-tax ) Tj ET Q q 0 0 0 rg BT 97.75 706.10 Td (char) Tj ET Q q 0 0 0 rg BT 114.78 706.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 130.61 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 147.55 706.10 Td (credits ) Tj ET Q q 0 0 0 rg BT 176.70 706.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.53 706.10 Td ($6.5 ) Tj ET Q q 0 0 0 rg BT 207.53 706.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.43 706.10 Td (. ) Tj ET Q q 0 0 0 rg BT 241.25 706.10 Td (The ) Tj ET Q q 0 0 0 rg BT 259.29 706.10 Td (after) Tj ET Q q 0 0 0 rg BT 277.41 706.10 Td (-tax ) Tj ET Q q 0 0 0 rg BT 295.45 706.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 325.17 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 336.00 706.10 Td (these ) Tj ET Q q 0 0 0 rg BT 359.04 706.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 395.43 706.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.48 706.10 Td ($0.61) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.98 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 438.48 706.10 Td (per ) Tj ET Q q 0 0 0 rg BT 453.75 706.10 Td (diluted ) Tj ET Q q 0 0 0 rg BT 484.02 706.10 Td (share. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 94.17 688.10 Td (Initiatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (Fiscal ) Tj ET Q q 0 0 0 rg BT 75.69 670.10 Td (year ) Tj ET Q q 0 0 0 rg BT 94.71 670.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 116.51 670.10 Td (was ) Tj ET Q q 0 0 0 rg BT 133.87 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 140.11 670.10 Td (transformative ) Tj ET Q q 0 0 0 rg BT 200.23 670.10 Td (year ) Tj ET Q q 0 0 0 rg BT 219.24 670.10 Td (for ) Tj ET Q q 0 0 0 rg BT 232.71 670.10 Td (our ) Tj ET Q q 0 0 0 rg BT 247.84 670.10 Td (Company) Tj ET Q q 0 0 0 rg BT 286.08 670.10 Td (. ) Tj ET Q q 0 0 0 rg BT 290.39 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 292.06 670.10 Td (W) Tj ET Q q 0 0 0 rg BT 300.70 670.10 Td (e ) Tj ET Q q 0 0 0 rg BT 306.94 670.10 Td (maintained ) Tj ET Q q 0 0 0 rg BT 353.18 670.10 Td (our ) Tj ET Q q 0 0 0 rg BT 368.31 670.10 Td (focus ) Tj ET Q q 0 0 0 rg BT 391.78 670.10 Td (on ) Tj ET Q q 0 0 0 rg BT 403.58 670.10 Td (enhancing ) Tj ET Q q 0 0 0 rg BT 446.48 670.10 Td (our ) Tj ET Q q 0 0 0 rg BT 461.62 670.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 486.19 670.10 Td (platform ) Tj ET Q q 0 0 0 rg BT 522.43 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 532.01 670.10 Td (support ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.44 658.10 Td (pursuit ) Tj ET Q q 0 0 0 rg BT 94.43 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 104.98 658.10 Td (our ) Tj ET Q q 0 0 0 rg BT 120.53 658.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 162.18 658.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 192.73 658.10 Td (objectives. ) Tj ET Q q 0 0 0 rg BT 237.99 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 240.21 658.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 257.98 658.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 282.96 658.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 318.50 658.10 Td (delivered ) Tj ET Q q 0 0 0 rg BT 357.92 658.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 410.13 658.10 Td (improved ) Tj ET Q q 0 0 0 rg BT 450.67 658.10 Td (results, ) Tj ET Q q 0 0 0 rg BT 481.50 658.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 522.03 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 536.47 658.10 Td (higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 72.67 646.10 Td (we ) Tj ET Q q 0 0 0 rg BT 87.00 646.10 Td (earn ) Tj ET Q q 0 0 0 rg BT 106.88 646.10 Td (on ) Tj ET Q q 0 0 0 rg BT 119.55 646.10 Td (our ) Tj ET Q q 0 0 0 rg BT 135.55 646.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 160.99 646.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 180.88 646.10 Td (product, ) Tj ET Q q 0 0 0 rg BT 216.60 646.10 Td (more ) Tj ET Q q 0 0 0 rg BT 239.82 646.10 Td (sophisticated ) Tj ET Q q 0 0 0 rg BT 294.70 646.10 Td (underwriting, ) Tj ET Q q 0 0 0 rg BT 351.53 646.10 Td (which ) Tj ET Q q 0 0 0 rg BT 378.64 646.10 Td (has ) Tj ET Q q 0 0 0 rg BT 394.64 646.10 Td (led ) Tj ET Q q 0 0 0 rg BT 409.53 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 419.98 646.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 445.42 646.10 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 496.97 646.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 518.52 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 535.63 646.10 Td (losses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.73 634.10 Td (better ) Tj ET Q q 0 0 0 rg BT 91.78 634.10 Td (execution ) Tj ET Q q 0 0 0 rg BT 132.94 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 149.66 634.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 202.47 634.10 Td (in ) Tj ET Q q 0 0 0 rg BT 212.54 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 227.04 634.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 255.98 634.10 Td (markets, ) Tj ET Q q 0 0 0 rg BT 292.42 634.10 Td (which ) Tj ET Q q 0 0 0 rg BT 319.15 634.10 Td (has ) Tj ET Q q 0 0 0 rg BT 334.77 634.10 Td (led ) Tj ET Q q 0 0 0 rg BT 349.27 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 359.34 634.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 384.39 634.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 402.79 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 413.41 634.10 Td (funds. ) Tj ET Q q 0 0 0 rg BT 440.42 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 442.54 634.10 Td (W) Tj ET Q q 0 0 0 rg BT 451.18 634.10 Td (e ) Tj ET Q q 0 0 0 rg BT 457.90 634.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 494.62 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 504.69 634.10 Td (see ) Tj ET Q q 0 0 0 rg BT 519.75 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 534.25 634.10 Td (benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.98 622.10 Td (our ) Tj ET Q q 0 0 0 rg BT 77.51 622.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 103.47 622.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 148.33 622.10 Td (from ) Tj ET Q q 0 0 0 rg BT 170.97 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 186.39 622.10 Td (structural ) Tj ET Q q 0 0 0 rg BT 227.35 622.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 262.76 622.10 Td (we ) Tj ET Q q 0 0 0 rg BT 277.62 622.10 Td (have ) Tj ET Q q 0 0 0 rg BT 299.70 622.10 Td (made ) Tj ET Q q 0 0 0 rg BT 324.55 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 335.53 622.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 371.49 622.10 Td (yield, ) Tj ET Q q 0 0 0 rg BT 397.18 622.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 427.03 622.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 454.12 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 471.76 622.10 Td (improve ) Tj ET Q q 0 0 0 rg BT 508.29 622.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 539.25 622.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (performance. ) Tj ET Q q 0 0 0 rg BT 105.03 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 107.03 610.10 Td (Retail ) Tj ET Q q 0 0 0 rg BT 132.92 610.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 172.69 610.10 Td (mar) Tj ET Q q 0 0 0 rg BT 188.05 610.10 Td (gins ) Tj ET Q q 0 0 0 rg BT 206.73 610.10 Td (remained ) Tj ET Q q 0 0 0 rg BT 245.93 610.10 Td (strong, ) Tj ET Q q 0 0 0 rg BT 275.44 610.10 Td (demonstrating ) Tj ET Q q 0 0 0 rg BT 334.65 610.10 Td (our ) Tj ET Q q 0 0 0 rg BT 349.99 610.10 Td (dif) Tj ET Q q 0 0 0 rg BT 360.92 610.10 Td (ferentiated ) Tj ET Q q 0 0 0 rg BT 405.67 610.10 Td (business ) Tj ET Q q 0 0 0 rg BT 441.56 610.10 Td (model, ) Tj ET Q q 0 0 0 rg BT 471.06 610.10 Td (improved ) Tj ET Q q 0 0 0 rg BT 511.39 610.10 Td (product ) Tj ET Q q 0 0 0 rg BT 543.95 610.10 Td (mix, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.10 598.10 Td (emphasis ) Tj ET Q q 0 0 0 rg BT 106.97 598.10 Td (on ) Tj ET Q q 0 0 0 rg BT 119.63 598.10 Td (disciplined ) Tj ET Q q 0 0 0 rg BT 166.17 598.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 184.94 598.10 Td (management. ) Tj ET Q q 0 0 0 rg BT 241.19 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 243.65 598.10 Td (W) Tj ET Q q 0 0 0 rg BT 252.29 598.10 Td (e ) Tj ET Q q 0 0 0 rg BT 259.39 598.10 Td (demonstrated ) Tj ET Q q 0 0 0 rg BT 315.92 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 330.79 598.10 Td (resiliency ) Tj ET Q q 0 0 0 rg BT 372.33 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 383.31 598.10 Td (our ) Tj ET Q q 0 0 0 rg BT 399.30 598.10 Td (business ) Tj ET Q q 0 0 0 rg BT 435.85 598.10 Td (model ) Tj ET Q q 0 0 0 rg BT 463.51 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 480.60 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 495.48 598.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 540.35 598.10 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (we ) Tj ET Q q 0 0 0 rg BT 64.30 586.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 97.50 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 113.47 586.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 156.66 586.10 Td (as ) Tj ET Q q 0 0 0 rg BT 167.63 586.10 Td (we ) Tj ET Q q 0 0 0 rg BT 181.94 586.10 Td (endured ) Tj ET Q q 0 0 0 rg BT 216.79 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 231.65 586.10 Td (challenges ) Tj ET Q q 0 0 0 rg BT 276.50 586.10 Td (caused ) Tj ET Q q 0 0 0 rg BT 306.35 586.10 Td (by ) Tj ET Q q 0 0 0 rg BT 318.99 586.10 Td (Hurricane ) Tj ET Q q 0 0 0 rg BT 361.61 586.10 Td (Harvey) Tj ET Q q 0 0 0 rg BT 390.39 586.10 Td (. ) Tj ET Q q 0 0 0 rg BT 395.53 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 397.99 586.10 Td (W) Tj ET Q q 0 0 0 rg BT 406.63 586.10 Td (e ) Tj ET Q q 0 0 0 rg BT 413.71 586.10 Td (delivered ) Tj ET Q q 0 0 0 rg BT 453.55 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 468.42 586.10 Td (following ) Tj ET Q q 0 0 0 rg BT 509.95 586.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 547.57 586.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (operational ) Tj ET Q q 0 0 0 rg BT 97.48 574.10 Td (results ) Tj ET Q q 0 0 0 rg BT 126.09 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 136.37 574.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 160.52 574.10 Td (year ) Tj ET Q q 0 0 0 rg BT 180.23 574.10 Td (2018: ) Tj ET Q q 0 0 0 rg BT 205.51 574.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 556.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 556.10 Td (Returned ) Tj ET Q q 0 0 0 rg BT 124.93 556.10 Td (to ) Tj ET Q q 0 0 0 rg BT 134.99 556.10 Td (full-year ) Tj ET Q q 0 0 0 rg BT 171.69 556.10 Td (profitability) Tj ET Q q 0 0 0 rg BT 218.81 556.10 Td (, ) Tj ET Q q 0 0 0 rg BT 223.58 556.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 251.41 556.10 Td (by ) Tj ET Q q 0 0 0 rg BT 263.68 556.10 Td (an ) Tj ET Q q 0 0 0 rg BT 275.40 556.10 Td (80% ) Tj ET Q q 0 0 0 rg BT 296.01 556.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 331.04 556.10 Td (in ) Tj ET Q q 0 0 0 rg BT 341.09 556.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 381.13 556.10 Td (income ) Tj ET Q q 0 0 0 rg BT 412.84 556.10 Td (in ) Tj ET Q q 0 0 0 rg BT 422.90 556.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 446.83 556.10 Td (year ) Tj ET Q q 0 0 0 rg BT 466.31 556.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 488.59 556.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 530.29 556.10 Td (to ) Tj ET Q q 0 0 0 rg BT 540.35 556.10 Td (fiscal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 544.10 Td (year ) Tj ET Q q 0 0 0 rg BT 105.71 544.10 Td (2017; ) Tj ET Q q 0 0 0 rg BT 130.99 544.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 532.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 532.10 Td (Delivered ) Tj ET Q q 0 0 0 rg BT 127.34 532.10 Td (a ) Tj ET Q q 0 0 0 rg BT 133.70 532.10 Td (record ) Tj ET Q q 0 0 0 rg BT 161.16 532.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 199.17 532.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 221.08 532.10 Td (on ) Tj ET Q q 0 0 0 rg BT 233.00 532.10 Td (our ) Tj ET Q q 0 0 0 rg BT 248.25 532.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 286.83 532.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 333.71 532.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 370.63 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 380.88 532.10 Td (20.5% ) Tj ET Q q 0 0 0 rg BT 408.63 532.10 Td (in ) Tj ET Q q 0 0 0 rg BT 418.32 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 432.46 532.10 Td (fourth ) Tj ET Q q 0 0 0 rg BT 458.82 532.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 489.05 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 499.30 532.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 522.88 532.10 Td (year ) Tj ET Q q 0 0 0 rg BT 542.00 532.10 Td (2018 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 520.10 Td (from ) Tj ET Q q 0 0 0 rg BT 107.83 520.10 Td (14.0% ) Tj ET Q q 0 0 0 rg BT 136.04 520.10 Td (in ) Tj ET Q q 0 0 0 rg BT 146.21 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 160.81 520.10 Td (second ) Tj ET Q q 0 0 0 rg BT 190.97 520.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 221.67 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 232.38 520.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 256.43 520.10 Td (year ) Tj ET Q q 0 0 0 rg BT 276.02 520.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 298.41 520.10 Td (as ) Tj ET Q q 0 0 0 rg BT 309.12 520.10 Td (a ) Tj ET Q q 0 0 0 rg BT 315.95 520.10 Td (result ) Tj ET Q q 0 0 0 rg BT 340.55 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 351.27 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 365.87 520.10 Td (successful ) Tj ET Q q 0 0 0 rg BT 409.36 520.10 Td (transition ) Tj ET Q q 0 0 0 rg BT 449.52 520.10 Td (to ) Tj ET Q q 0 0 0 rg BT 459.68 520.10 Td (our ) Tj ET Q q 0 0 0 rg BT 475.40 520.10 Td (higher) Tj ET Q q 0 0 0 rg BT 500.75 520.10 Td (-yielding ) Tj ET Q q 0 0 0 rg BT 539.24 520.10 Td (direct ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 508.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 105.72 508.10 Td (program; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 496.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 496.10 Td (For ) Tj ET Q q 0 0 0 rg BT 102.41 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.14 496.10 Td (first ) Tj ET Q q 0 0 0 rg BT 135.77 496.10 Td (time ) Tj ET Q q 0 0 0 rg BT 156.06 496.10 Td (in ) Tj ET Q q 0 0 0 rg BT 166.35 496.10 Td (five ) Tj ET Q q 0 0 0 rg BT 184.42 496.10 Td (years, ) Tj ET Q q 0 0 0 rg BT 210.53 496.10 Td (reduced, ) Tj ET Q q 0 0 0 rg BT 247.20 496.10 Td (year) Tj ET Q q 0 0 0 rg BT 264.20 496.10 Td (-over) Tj ET Q q 0 0 0 rg BT 285.10 496.10 Td (-year) Tj ET Q q 0 0 0 rg BT 305.24 496.10 Td (, ) Tj ET Q q 0 0 0 rg BT 310.26 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 324.99 496.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 358.04 496.10 Td (of ) Tj ET Q q 0 0 0 rg BT 368.89 496.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 406.39 496.10 Td (60 ) Tj ET Q q 0 0 0 rg BT 418.91 496.10 Td (days ) Tj ET Q q 0 0 0 rg BT 439.75 496.10 Td (past ) Tj ET Q q 0 0 0 rg BT 458.38 496.10 Td (due ) Tj ET Q q 0 0 0 rg BT 475.33 496.10 Td (as ) Tj ET Q q 0 0 0 rg BT 486.18 496.10 Td (a ) Tj ET Q q 0 0 0 rg BT 493.14 496.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 538.95 496.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 496.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 484.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 125.16 484.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 172.63 484.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 210.12 484.10 Td (to ) Tj ET Q q 0 0 0 rg BT 220.40 484.10 Td (9.9% ) Tj ET Q q 0 0 0 rg BT 243.73 484.10 Td (at ) Tj ET Q q 0 0 0 rg BT 253.45 484.10 Td (January ) Tj ET Q q 0 0 0 rg BT 287.04 484.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 302.04 484.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 324.54 484.10 Td (from ) Tj ET Q q 0 0 0 rg BT 346.48 484.10 Td (10.7% ) Tj ET Q q 0 0 0 rg BT 374.81 484.10 Td (at ) Tj ET Q q 0 0 0 rg BT 384.53 484.10 Td (January ) Tj ET Q q 0 0 0 rg BT 418.13 484.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 433.13 484.10 Td (2017;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 472.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 472.10 Td (Delivered ) Tj ET Q q 0 0 0 rg BT 127.78 472.10 Td (record ) Tj ET Q q 0 0 0 rg BT 155.68 472.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 178.58 472.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 202.05 472.10 Td (mar) Tj ET Q q 0 0 0 rg BT 217.42 472.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 232.55 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 243.24 472.10 Td (39.6% ) Tj ET Q q 0 0 0 rg BT 271.43 472.10 Td (in ) Tj ET Q q 0 0 0 rg BT 281.57 472.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 305.58 472.10 Td (year ) Tj ET Q q 0 0 0 rg BT 325.15 472.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 350.00 472.10 Td (an ) Tj ET Q q 0 0 0 rg BT 361.80 472.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 396.91 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 407.60 472.10 Td (220 ) Tj ET Q q 0 0 0 rg BT 424.96 472.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 447.32 472.10 Td (points ) Tj ET Q q 0 0 0 rg BT 474.13 472.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 515.91 472.10 Td (to ) Tj ET Q q 0 0 0 rg BT 526.04 472.10 Td (37.4% ) Tj ET Q q 0 0 0 rg BT 554.23 472.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 460.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 109.63 460.10 Td (year ) Tj ET Q q 0 0 0 rg BT 128.82 460.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 153.29 460.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 180.82 460.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 220.00 460.10 Td (by ) Tj ET Q q 0 0 0 rg BT 231.98 460.10 Td (improved ) Tj ET Q q 0 0 0 rg BT 272.28 460.10 Td (product ) Tj ET Q q 0 0 0 rg BT 304.81 460.10 Td (mar) Tj ET Q q 0 0 0 rg BT 320.17 460.10 Td (gins ) Tj ET Q q 0 0 0 rg BT 338.82 460.10 Td (across ) Tj ET Q q 0 0 0 rg BT 365.79 460.10 Td (all ) Tj ET Q q 0 0 0 rg BT 377.76 460.10 Td (product ) Tj ET Q q 0 0 0 rg BT 410.28 460.10 Td (categories, ) Tj ET Q q 0 0 0 rg BT 455.29 460.10 Td (favorable ) Tj ET Q q 0 0 0 rg BT 495.02 460.10 Td (product ) Tj ET Q q 0 0 0 rg BT 527.54 460.10 Td (mix, ) Tj ET Q q 0 0 0 rg BT 547.58 460.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 448.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 127.93 448.10 Td (focus ) Tj ET Q q 0 0 0 rg BT 152.09 448.10 Td (on ) Tj ET Q q 0 0 0 rg BT 164.59 448.10 Td (increasing ) Tj ET Q q 0 0 0 rg BT 208.19 448.10 Td (ef) Tj ET Q q 0 0 0 rg BT 215.78 448.10 Td (ficiencies; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 436.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 436.10 Td (Extended ) Tj ET Q q 0 0 0 rg BT 126.80 436.10 Td (our ) Tj ET Q q 0 0 0 rg BT 143.17 436.10 Td (successful ) Tj ET Q q 0 0 0 rg BT 187.30 436.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 241.42 436.10 Td (securitization ) Tj ET Q q 0 0 0 rg BT 298.33 436.10 Td (program, ) Tj ET Q q 0 0 0 rg BT 337.74 436.10 Td (securitizing ) Tj ET Q q 0 0 0 rg BT 387.43 436.10 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 407.97 436.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 437.12 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 448.49 436.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 488.18 436.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 536.19 436.10 Td (in ) Tj ET Q q 0 0 0 rg BT 547.00 436.10 Td (two ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 424.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 136.51 424.10 Td (in ) Tj ET Q q 0 0 0 rg BT 147.03 424.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 171.43 424.10 Td (year ) Tj ET Q q 0 0 0 rg BT 191.39 424.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 216.63 424.10 Td ( ) Tj ET Q q 0 0 0 rg BT 219.18 424.10 Td (These ) Tj ET Q q 0 0 0 rg BT 245.80 424.10 Td (securitizations ) Tj ET Q q 0 0 0 rg BT 306.31 424.10 Td (led ) Tj ET Q q 0 0 0 rg BT 321.27 424.10 Td (to ) Tj ET Q q 0 0 0 rg BT 331.79 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 346.75 424.10 Td (early ) Tj ET Q q 0 0 0 rg BT 369.49 424.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 417.77 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 428.85 424.10 Td (our ) Tj ET Q q 0 0 0 rg BT 444.92 424.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 472.11 424.10 Td (2015-A) Tj ET Q q 0 0 0 rg BT 502.11 424.10 Td ( ) Tj ET Q q 0 0 0 rg BT 504.85 424.10 Td (Class ) Tj ET Q q 0 0 0 rg BT 529.27 424.10 Td (B ) Tj ET Q q 0 0 0 rg BT 538.69 424.10 Td (Notes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 412.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 104.06 412.10 Td ("2015-A) Tj ET Q q 0 0 0 rg BT 138.14 412.10 Td ( ) Tj ET Q q 0 0 0 rg BT 140.66 412.10 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 185.38 412.10 Td (Notes"\), ) Tj ET Q q 0 0 0 rg BT 221.13 412.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 248.08 412.10 Td (2016-A) Tj ET Q q 0 0 0 rg BT 278.08 412.10 Td ( ) Tj ET Q q 0 0 0 rg BT 280.60 412.10 Td (Class ) Tj ET Q q 0 0 0 rg BT 304.78 412.10 Td (B ) Tj ET Q q 0 0 0 rg BT 313.97 412.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 339.81 412.10 Td (and ) Tj ET Q q 0 0 0 rg BT 356.77 412.10 Td (Class ) Tj ET Q q 0 0 0 rg BT 380.95 412.10 Td (C ) Tj ET Q q 0 0 0 rg BT 390.14 412.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 415.98 412.10 Td (\(collectively ) Tj ET Q q 0 0 0 rg BT 468.47 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 483.20 412.10 Td ("2016-A) Tj ET Q q 0 0 0 rg BT 517.28 412.10 Td ( ) Tj ET Q q 0 0 0 rg BT 519.80 412.10 Td (Redeemed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 400.10 Td (Notes"\), ) Tj ET Q q 0 0 0 rg BT 121.86 400.10 Td (which ) Tj ET Q q 0 0 0 rg BT 148.91 400.10 Td (contributed ) Tj ET Q q 0 0 0 rg BT 197.07 400.10 Td (to ) Tj ET Q q 0 0 0 rg BT 207.46 400.10 Td (an ) Tj ET Q q 0 0 0 rg BT 219.51 400.10 Td (18.7% ) Tj ET Q q 0 0 0 rg BT 247.96 400.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 288.34 400.10 Td (in ) Tj ET Q q 0 0 0 rg BT 298.73 400.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 330.78 400.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 365.60 400.10 Td (in ) Tj ET Q q 0 0 0 rg BT 375.99 400.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 400.26 400.10 Td (year ) Tj ET Q q 0 0 0 rg BT 420.08 400.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 442.70 400.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 484.74 400.10 Td (to ) Tj ET Q q 0 0 0 rg BT 495.13 400.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 519.40 400.10 Td (year ) Tj ET Q q 0 0 0 rg BT 539.22 400.10 Td (2017; ) Tj ET Q q 0 0 0 rg BT 564.50 400.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 388.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 376.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 376.10 Td (Increased ) Tj ET Q q 0 0 0 rg BT 126.06 376.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 147.25 376.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 189.53 376.10 Td (through ) Tj ET Q q 0 0 0 rg BT 222.39 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 236.36 376.10 Td (lease-to-own ) Tj ET Q q 0 0 0 rg BT 289.75 376.10 Td (product ) Tj ET Q q 0 0 0 rg BT 322.05 376.10 Td (of) Tj ET Q q 0 0 0 rg BT 330.20 376.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 352.49 376.10 Td (through ) Tj ET Q q 0 0 0 rg BT 385.35 376.10 Td (Progressive, ) Tj ET Q q 0 0 0 rg BT 436.26 376.10 Td (which ) Tj ET Q q 0 0 0 rg BT 462.45 376.10 Td (we ) Tj ET Q q 0 0 0 rg BT 475.86 376.10 Td (of) Tj ET Q q 0 0 0 rg BT 484.01 376.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 496.86 376.10 Td (to ) Tj ET Q q 0 0 0 rg BT 506.39 376.10 Td (our ) Tj ET Q q 0 0 0 rg BT 521.47 376.10 Td (customers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 364.10 Td (who ) Tj ET Q q 0 0 0 rg BT 106.01 364.10 Td (do ) Tj ET Q q 0 0 0 rg BT 118.81 364.10 Td (not ) Tj ET Q q 0 0 0 rg BT 134.38 364.10 Td (qualify ) Tj ET Q q 0 0 0 rg BT 165.49 364.10 Td (for ) Tj ET Q q 0 0 0 rg BT 179.95 364.10 Td (our ) Tj ET Q q 0 0 0 rg BT 196.07 364.10 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 243.28 364.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 268.84 364.10 Td (programs, ) Tj ET Q q 0 0 0 rg BT 311.90 364.10 Td (to ) Tj ET Q q 0 0 0 rg BT 322.47 364.10 Td (6.5% ) Tj ET Q q 0 0 0 rg BT 346.09 364.10 Td (in ) Tj ET Q q 0 0 0 rg BT 356.66 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 371.67 364.10 Td (fourth ) Tj ET Q q 0 0 0 rg BT 398.90 364.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 430.01 364.10 Td (of ) Tj ET Q q 0 0 0 rg BT 441.13 364.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 465.58 364.10 Td (year ) Tj ET Q q 0 0 0 rg BT 485.58 364.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 508.37 364.10 Td (from ) Tj ET Q q 0 0 0 rg BT 530.60 364.10 Td (3.8% ) Tj ET Q q 0 0 0 rg BT 554.22 364.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 352.10 Td (the ) Tj ET Q q 0 0 0 rg BT 100.72 352.10 Td (second ) Tj ET Q q 0 0 0 rg BT 130.99 352.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 161.80 352.10 Td (of ) Tj ET Q q 0 0 0 rg BT 172.63 352.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 196.79 352.10 Td (year ) Tj ET Q q 0 0 0 rg BT 216.49 352.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 241.49 352.10 Td (the ) Tj ET Q q 0 0 0 rg BT 256.21 352.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 287.03 352.10 Td (in ) Tj ET Q q 0 0 0 rg BT 297.30 352.10 Td (which ) Tj ET Q q 0 0 0 rg BT 324.24 352.10 Td (we ) Tj ET Q q 0 0 0 rg BT 338.40 352.10 Td (made ) Tj ET Q q 0 0 0 rg BT 362.56 352.10 Td (our ) Tj ET Q q 0 0 0 rg BT 378.39 352.10 Td (transition ) Tj ET Q q 0 0 0 rg BT 418.66 352.10 Td (to ) Tj ET Q q 0 0 0 rg BT 428.94 352.10 Td (Progressive.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 328.10 Td (e ) Tj ET Q q 0 0 0 rg BT 64.38 328.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 94.55 328.10 Td (that ) Tj ET Q q 0 0 0 rg BT 110.84 328.10 Td (we ) Tj ET Q q 0 0 0 rg BT 123.80 328.10 Td (have ) Tj ET Q q 0 0 0 rg BT 143.97 328.10 Td (laid ) Tj ET Q q 0 0 0 rg BT 160.27 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 173.78 328.10 Td (foundation ) Tj ET Q q 0 0 0 rg BT 218.41 328.10 Td (to ) Tj ET Q q 0 0 0 rg BT 227.49 328.10 Td (execute ) Tj ET Q q 0 0 0 rg BT 259.32 328.10 Td (our ) Tj ET Q q 0 0 0 rg BT 273.95 328.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 314.68 328.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 344.31 328.10 Td (strategy ) Tj ET Q q 0 0 0 rg BT 377.26 328.10 Td (and ) Tj ET Q q 0 0 0 rg BT 393.00 328.10 Td (prudently ) Tj ET Q q 0 0 0 rg BT 432.62 328.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 465.01 328.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 501.29 328.10 Td (and ) Tj ET Q q 0 0 0 rg BT 517.03 328.10 Td (operational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 67.50 316.10 Td (while ) Tj ET Q q 0 0 0 rg BT 92.22 316.10 Td (maximizing ) Tj ET Q q 0 0 0 rg BT 142.49 316.10 Td (shareholder ) Tj ET Q q 0 0 0 rg BT 191.63 316.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 218.29 316.10 Td ( ) Tj ET Q q 0 0 0 rg BT 220.61 316.10 Td (W) Tj ET Q q 0 0 0 rg BT 229.24 316.10 Td (e ) Tj ET Q q 0 0 0 rg BT 236.18 316.10 Td (have ) Tj ET Q q 0 0 0 rg BT 257.56 316.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 298.38 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 313.10 316.10 Td (following ) Tj ET Q q 0 0 0 rg BT 354.48 316.10 Td (strategic ) Tj ET Q q 0 0 0 rg BT 390.85 316.10 Td (priorities ) Tj ET Q q 0 0 0 rg BT 429.46 316.10 Td (for ) Tj ET Q q 0 0 0 rg BT 443.62 316.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 467.77 316.10 Td (year ) Tj ET Q q 0 0 0 rg BT 487.48 316.10 Td (2019: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 296.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 296.10 Td (Increase ) Tj ET Q q 0 0 0 rg BT 121.45 296.10 Td (net ) Tj ET Q q 0 0 0 rg BT 135.80 296.10 Td (income ) Tj ET Q q 0 0 0 rg BT 167.38 296.10 Td (by ) Tj ET Q q 0 0 0 rg BT 179.52 296.10 Td (improving ) Tj ET Q q 0 0 0 rg BT 223.33 296.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 275.99 296.10 Td (across ) Tj ET Q q 0 0 0 rg BT 303.12 296.10 Td (our ) Tj ET Q q 0 0 0 rg BT 318.59 296.10 Td (core ) Tj ET Q q 0 0 0 rg BT 337.94 296.10 Td (operational ) Tj ET Q q 0 0 0 rg BT 385.06 296.10 Td (and ) Tj ET Q q 0 0 0 rg BT 401.64 296.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 438.76 296.10 Td (metrics: ) Tj ET Q q 0 0 0 rg BT 473.12 296.10 Td (same ) Tj ET Q q 0 0 0 rg BT 495.80 296.10 Td (store ) Tj ET Q q 0 0 0 rg BT 517.38 296.10 Td (sales, ) Tj ET Q q 0 0 0 rg BT 541.46 296.10 Td (retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 284.10 Td (mar) Tj ET Q q 0 0 0 rg BT 101.37 284.10 Td (gin, ) Tj ET Q q 0 0 0 rg BT 119.14 284.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 156.64 284.10 Td (yield, ) Tj ET Q q 0 0 0 rg BT 181.63 284.10 Td (char) Tj ET Q q 0 0 0 rg BT 198.66 284.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 219.58 284.10 Td (f ) Tj ET Q q 0 0 0 rg BT 225.41 284.10 Td (rate, ) Tj ET Q q 0 0 0 rg BT 245.39 284.10 Td (and ) Tj ET Q q 0 0 0 rg BT 262.33 284.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 294.27 284.10 Td (expense; ) Tj ET Q q 0 0 0 rg BT 331.75 284.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 272.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 272.10 Td (Open ) Tj ET Q q 0 0 0 rg BT 110.16 272.10 Td (five ) Tj ET Q q 0 0 0 rg BT 128.21 272.10 Td (to ) Tj ET Q q 0 0 0 rg BT 138.49 272.10 Td (nine ) Tj ET Q q 0 0 0 rg BT 158.20 272.10 Td (new ) Tj ET Q q 0 0 0 rg BT 177.36 272.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 203.19 272.10 Td (in ) Tj ET Q q 0 0 0 rg BT 213.47 272.10 Td (our ) Tj ET Q q 0 0 0 rg BT 229.30 272.10 Td (current ) Tj ET Q q 0 0 0 rg BT 260.12 272.10 Td (geographic ) Tj ET Q q 0 0 0 rg BT 307.04 272.10 Td (footprint ) Tj ET Q q 0 0 0 rg BT 344.54 272.10 Td (to ) Tj ET Q q 0 0 0 rg BT 354.81 272.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 391.18 272.10 Td (our ) Tj ET Q q 0 0 0 rg BT 407.01 272.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 441.17 272.10 Td (infrastructure; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 260.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 260.10 Td (Increase ) Tj ET Q q 0 0 0 rg BT 121.81 260.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 153.74 260.10 Td (income ) Tj ET Q q 0 0 0 rg BT 185.67 260.10 Td (on ) Tj ET Q q 0 0 0 rg BT 198.17 260.10 Td (our ) Tj ET Q q 0 0 0 rg BT 214.00 260.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 233.72 260.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 271.21 260.10 Td (by ) Tj ET Q q 0 0 0 rg BT 283.71 260.10 Td (continuing ) Tj ET Q q 0 0 0 rg BT 328.99 260.10 Td (to ) Tj ET Q q 0 0 0 rg BT 339.27 260.10 Td (originate ) Tj ET Q q 0 0 0 rg BT 377.31 260.10 Td (higher) Tj ET Q q 0 0 0 rg BT 402.66 260.10 Td (-yielding ) Tj ET Q q 0 0 0 rg BT 441.26 260.10 Td (loans; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 248.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 248.10 Td (Continue ) Tj ET Q q 0 0 0 rg BT 125.17 248.10 Td (to ) Tj ET Q q 0 0 0 rg BT 135.44 248.10 Td (refine ) Tj ET Q q 0 0 0 rg BT 161.26 248.10 Td (and ) Tj ET Q q 0 0 0 rg BT 178.20 248.10 Td (enhance ) Tj ET Q q 0 0 0 rg BT 213.45 248.10 Td (our ) Tj ET Q q 0 0 0 rg BT 229.28 248.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 283.44 248.10 Td (platform;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 236.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 236.10 Td (Reduce ) Tj ET Q q 0 0 0 rg BT 118.49 236.10 Td (our ) Tj ET Q q 0 0 0 rg BT 134.32 236.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 166.25 236.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 200.96 236.10 Td (despite ) Tj ET Q q 0 0 0 rg BT 231.78 236.10 Td (a ) Tj ET Q q 0 0 0 rg BT 238.72 236.10 Td (rising ) Tj ET Q q 0 0 0 rg BT 264.00 236.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 281.48 236.10 Td (environment;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 224.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 224.10 Td (Optimize ) Tj ET Q q 0 0 0 rg BT 127.12 224.10 Td (our ) Tj ET Q q 0 0 0 rg BT 144.36 224.10 Td (mix ) Tj ET Q q 0 0 0 rg BT 163.83 224.10 Td (of ) Tj ET Q q 0 0 0 rg BT 176.07 224.10 Td (quality) Tj ET Q q 0 0 0 rg BT 203.19 224.10 Td (, ) Tj ET Q q 0 0 0 rg BT 209.60 224.10 Td (branded ) Tj ET Q q 0 0 0 rg BT 245.71 224.10 Td (products ) Tj ET Q q 0 0 0 rg BT 284.06 224.10 Td (and ) Tj ET Q q 0 0 0 rg BT 302.41 224.10 Td (gain ) Tj ET Q q 0 0 0 rg BT 323.54 224.10 Td (ef) Tj ET Q q 0 0 0 rg BT 331.12 224.10 Td (ficiencies ) Tj ET Q q 0 0 0 rg BT 373.34 224.10 Td (in ) Tj ET Q q 0 0 0 rg BT 385.03 224.10 Td (our ) Tj ET Q q 0 0 0 rg BT 402.27 224.10 Td (warehouse, ) Tj ET Q q 0 0 0 rg BT 451.44 224.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 488.11 224.10 Td (and ) Tj ET Q q 0 0 0 rg BT 506.46 224.10 Td (transportation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 212.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 130.16 212.10 Td (to ) Tj ET Q q 0 0 0 rg BT 140.43 212.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 175.69 212.10 Td (our ) Tj ET Q q 0 0 0 rg BT 191.52 212.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 214.56 212.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 238.17 212.10 Td (mar) Tj ET Q q 0 0 0 rg BT 253.54 212.10 Td (gin;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 200.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 200.10 Td (Continue ) Tj ET Q q 0 0 0 rg BT 125.17 200.10 Td (to ) Tj ET Q q 0 0 0 rg BT 135.44 200.10 Td (grow ) Tj ET Q q 0 0 0 rg BT 158.50 200.10 Td (our ) Tj ET Q q 0 0 0 rg BT 174.33 200.10 Td (lease-to-own ) Tj ET Q q 0 0 0 rg BT 228.47 200.10 Td (sales; ) Tj ET Q q 0 0 0 rg BT 253.19 200.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 188.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 188.10 Td (Maintain ) Tj ET Q q 0 0 0 rg BT 124.60 188.10 Td (disciplined ) Tj ET Q q 0 0 0 rg BT 170.99 188.10 Td (oversight ) Tj ET Q q 0 0 0 rg BT 210.70 188.10 Td (of ) Tj ET Q q 0 0 0 rg BT 221.53 188.10 Td (our ) Tj ET Q q 0 0 0 rg BT 237.36 188.10 Td (selling, ) Tj ET Q q 0 0 0 rg BT 269.03 188.10 Td (general ) Tj ET Q q 0 0 0 rg BT 300.95 188.10 Td (and ) Tj ET Q q 0 0 0 rg BT 317.89 188.10 Td (administrative ) Tj ET Q q 0 0 0 rg BT 377.60 188.10 Td (expenses.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 164.10 Td (Outlook) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 146.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.62 146.10 Td (broad ) Tj ET Q q 0 0 0 rg BT 92.46 146.10 Td (appeal ) Tj ET Q q 0 0 0 rg BT 120.62 146.10 Td (of ) Tj ET Q q 0 0 0 rg BT 131.03 146.10 Td (the ) Tj ET Q q 0 0 0 rg BT 145.31 146.10 Td (Conn's ) Tj ET Q q 0 0 0 rg BT 174.75 146.10 Td (value ) Tj ET Q q 0 0 0 rg BT 198.48 146.10 Td (proposition ) Tj ET Q q 0 0 0 rg BT 246.11 146.10 Td (to ) Tj ET Q q 0 0 0 rg BT 255.96 146.10 Td (our ) Tj ET Q q 0 0 0 rg BT 271.36 146.10 Td (geographically ) Tj ET Q q 0 0 0 rg BT 332.85 146.10 Td (diverse ) Tj ET Q q 0 0 0 rg BT 363.80 146.10 Td (core ) Tj ET Q q 0 0 0 rg BT 383.08 146.10 Td (demographic, ) Tj ET Q q 0 0 0 rg BT 439.85 146.10 Td (unit ) Tj ET Q q 0 0 0 rg BT 457.48 146.10 Td (economics ) Tj ET Q q 0 0 0 rg BT 502.31 146.10 Td (of ) Tj ET Q q 0 0 0 rg BT 512.72 146.10 Td (our ) Tj ET Q q 0 0 0 rg BT 528.12 146.10 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 134.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.58 134.10 Td (current ) Tj ET Q q 0 0 0 rg BT 97.04 134.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 119.72 134.10 Td (real ) Tj ET Q q 0 0 0 rg BT 136.85 134.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 161.76 134.10 Td (market ) Tj ET Q q 0 0 0 rg BT 191.66 134.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 235.47 134.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 268.16 134.10 Td (us ) Tj ET Q q 0 0 0 rg BT 279.20 134.10 Td (ample ) Tj ET Q q 0 0 0 rg BT 305.77 134.10 Td (opportunity ) Tj ET Q q 0 0 0 rg BT 354.58 134.10 Td (for ) Tj ET Q q 0 0 0 rg BT 368.38 134.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 409.96 134.10 Td (expansion. ) Tj ET Q q 0 0 0 rg BT 455.15 134.10 Td ( ) Tj ET Q q 0 0 0 rg BT 457.29 134.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 474.98 134.10 Td (brand ) Tj ET Q q 0 0 0 rg BT 499.90 134.10 Td (recognition ) Tj ET Q q 0 0 0 rg BT 547.58 134.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 122.10 Td (long ) Tj ET Q q 0 0 0 rg BT 70.80 122.10 Td (history ) Tj ET Q q 0 0 0 rg BT 101.60 122.10 Td (in ) Tj ET Q q 0 0 0 rg BT 112.40 122.10 Td (our ) Tj ET Q q 0 0 0 rg BT 128.75 122.10 Td (core ) Tj ET Q q 0 0 0 rg BT 148.98 122.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 183.66 122.10 Td (give ) Tj ET Q q 0 0 0 rg BT 203.90 122.10 Td (us ) Tj ET Q q 0 0 0 rg BT 215.82 122.10 Td (the ) Tj ET Q q 0 0 0 rg BT 231.05 122.10 Td (opportunity ) Tj ET Q q 0 0 0 rg BT 280.74 122.10 Td (to ) Tj ET Q q 0 0 0 rg BT 291.54 122.10 Td (further ) Tj ET Q q 0 0 0 rg BT 321.77 122.10 Td (penetrate ) Tj ET Q q 0 0 0 rg BT 361.44 122.10 Td (our ) Tj ET Q q 0 0 0 rg BT 377.79 122.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 412.48 122.10 Td (footprint, ) Tj ET Q q 0 0 0 rg BT 452.99 122.10 Td (particularly ) Tj ET Q q 0 0 0 rg BT 502.10 122.10 Td (as ) Tj ET Q q 0 0 0 rg BT 513.46 122.10 Td (we ) Tj ET Q q 0 0 0 rg BT 528.14 122.10 Td (leverage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 110.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 84.43 110.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 127.74 110.10 Td (spend, ) Tj ET Q q 0 0 0 rg BT 156.34 110.10 Td (logistics ) Tj ET Q q 0 0 0 rg BT 192.45 110.10 Td (infrastructure, ) Tj ET Q q 0 0 0 rg BT 251.58 110.10 Td (and ) Tj ET Q q 0 0 0 rg BT 268.78 110.10 Td (service ) Tj ET Q q 0 0 0 rg BT 299.87 110.10 Td (footprint. ) Tj ET Q q 0 0 0 rg BT 340.13 110.10 Td ( ) Tj ET Q q 0 0 0 rg BT 342.70 110.10 Td (There ) Tj ET Q q 0 0 0 rg BT 368.78 110.10 Td (are ) Tj ET Q q 0 0 0 rg BT 383.76 110.10 Td (also ) Tj ET Q q 0 0 0 rg BT 402.64 110.10 Td (many ) Tj ET Q q 0 0 0 rg BT 427.62 110.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 462.05 110.10 Td (in ) Tj ET Q q 0 0 0 rg BT 472.59 110.10 Td (the ) Tj ET Q q 0 0 0 rg BT 487.58 110.10 Td (United ) Tj ET Q q 0 0 0 rg BT 517.56 110.10 Td (States ) Tj ET Q q 0 0 0 rg BT 544.22 110.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 98.10 Td (demographic ) Tj ET Q q 0 0 0 rg BT 104.53 98.10 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 164.04 98.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 194.14 98.10 Td (to ) Tj ET Q q 0 0 0 rg BT 204.25 98.10 Td (those ) Tj ET Q q 0 0 0 rg BT 227.68 98.10 Td (in ) Tj ET Q q 0 0 0 rg BT 237.79 98.10 Td (our ) Tj ET Q q 0 0 0 rg BT 253.44 98.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 287.44 98.10 Td (footprint, ) Tj ET Q q 0 0 0 rg BT 327.26 98.10 Td (which ) Tj ET Q q 0 0 0 rg BT 354.02 98.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 390.79 98.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 435.89 98.10 Td (opportunities ) Tj ET Q q 0 0 0 rg BT 490.99 98.10 Td (for ) Tj ET Q q 0 0 0 rg BT 504.98 98.10 Td (future ) Tj ET Q q 0 0 0 rg BT 531.18 98.10 Td (growth. ) Tj ET Q q 0 0 0 rg BT 564.51 98.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 86.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 86.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.15 86.10 Td (plan ) Tj ET Q q 0 0 0 rg BT 84.45 86.10 Td (to ) Tj ET Q q 0 0 0 rg BT 94.30 86.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 130.82 86.10 Td (to ) Tj ET Q q 0 0 0 rg BT 140.67 86.10 Td (improve ) Tj ET Q q 0 0 0 rg BT 176.07 86.10 Td (our ) Tj ET Q q 0 0 0 rg BT 191.48 86.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 231.32 86.10 Td (results ) Tj ET Q q 0 0 0 rg BT 259.51 86.10 Td (by ) Tj ET Q q 0 0 0 rg BT 271.59 86.10 Td (leveraging ) Tj ET Q q 0 0 0 rg BT 315.87 86.10 Td (our ) Tj ET Q q 0 0 0 rg BT 331.27 86.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 365.02 86.10 Td (infrastructure ) Tj ET Q q 0 0 0 rg BT 420.96 86.10 Td (and ) Tj ET Q q 0 0 0 rg BT 437.47 86.10 Td (seeking ) Tj ET Q q 0 0 0 rg BT 470.10 86.10 Td (to ) Tj ET Q q 0 0 0 rg BT 479.95 86.10 Td (continually ) Tj ET Q q 0 0 0 rg BT 527.02 86.10 Td (optimize ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 74.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.05 74.10 Td (ef) Tj ET Q q 0 0 0 rg BT 71.64 74.10 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 105.68 74.10 Td (of ) Tj ET Q q 0 0 0 rg BT 115.84 74.10 Td (our ) Tj ET Q q 0 0 0 rg BT 131.01 74.10 Td (marketing, ) Tj ET Q q 0 0 0 rg BT 175.88 74.10 Td (merchandising, ) Tj ET Q q 0 0 0 rg BT 239.09 74.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 287.04 74.10 Td (and ) Tj ET Q q 0 0 0 rg BT 303.31 74.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 327.91 74.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 373.90 74.10 Td ( ) Tj ET Q q 0 0 0 rg BT 375.33 74.10 Td (As ) Tj ET Q q 0 0 0 rg BT 388.28 74.10 Td (we ) Tj ET Q q 0 0 0 rg BT 401.77 74.10 Td (expand ) Tj ET Q q 0 0 0 rg BT 432.49 74.10 Td (in ) Tj ET Q q 0 0 0 rg BT 442.10 74.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 475.60 74.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 509.09 74.10 Td (and ) Tj ET Q q 0 0 0 rg BT 525.36 74.10 Td (penetrate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 62.10 Td (new ) Tj ET Q q 0 0 0 rg BT 68.96 62.10 Td (markets, ) Tj ET Q q 0 0 0 rg BT 105.42 62.10 Td (we ) Tj ET Q q 0 0 0 rg BT 119.38 62.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 147.77 62.10 Td (to ) Tj ET Q q 0 0 0 rg BT 157.85 62.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 192.90 62.10 Td (our ) Tj ET Q q 0 0 0 rg BT 208.53 62.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 246.37 62.10 Td (volumes, ) Tj ET Q q 0 0 0 rg BT 285.05 62.10 Td (achieve ) Tj ET Q q 0 0 0 rg BT 317.89 62.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 366.30 62.10 Td (ef) Tj ET Q q 0 0 0 rg BT 373.89 62.10 Td (ficiencies ) Tj ET Q q 0 0 0 rg BT 414.50 62.10 Td (and ) Tj ET Q q 0 0 0 rg BT 431.24 62.10 Td (strengthen ) Tj ET Q q 0 0 0 rg BT 475.19 62.10 Td (our ) Tj ET Q q 0 0 0 rg BT 490.82 62.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 544.22 62.10 Td (with ) Tj ET Q endstream endobj 77 0 obj <>] /Rotate 0 /Contents 78 0 R>> endobj 78 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.35 742.10 Td (key ) Tj ET Q q 0 0 0 rg BT 81.81 742.10 Td (vendors. ) Tj ET Q q 0 0 0 rg BT 117.99 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 120.00 742.10 Td (Over ) Tj ET Q q 0 0 0 rg BT 142.01 742.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 164.31 742.10 Td (we ) Tj ET Q q 0 0 0 rg BT 177.99 742.10 Td (also ) Tj ET Q q 0 0 0 rg BT 196.11 742.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 224.23 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 239.58 742.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 279.35 742.10 Td (store ) Tj ET Q q 0 0 0 rg BT 300.81 742.10 Td (base ) Tj ET Q q 0 0 0 rg BT 320.59 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 337.05 742.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 364.62 742.10 Td (net ) Tj ET Q q 0 0 0 rg BT 378.85 742.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 400.31 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 410.11 742.10 Td (further ) Tj ET Q q 0 0 0 rg BT 439.33 742.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 475.21 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 490.56 742.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 524.25 742.10 Td (corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 730.10 Td (regional ) Tj ET Q q 0 0 0 rg BT 102.20 730.10 Td (infrastructure.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 54.00 694.10 Td (Results ) Tj ET Q q 0 0 0 rg BT 87.61 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 98.44 694.10 Td (Operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 676.10 Td (The ) Tj ET Q q 0 0 0 rg BT 72.05 676.10 Td (following ) Tj ET Q q 0 0 0 rg BT 113.43 676.10 Td (tables ) Tj ET Q q 0 0 0 rg BT 139.26 676.10 Td (present ) Tj ET Q q 0 0 0 rg BT 170.64 676.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 200.34 676.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 237.82 676.10 Td (and ) Tj ET Q q 0 0 0 rg BT 254.76 676.10 Td (other ) Tj ET Q q 0 0 0 rg BT 277.80 676.10 Td (information, ) Tj ET Q q 0 0 0 rg BT 330.02 676.10 Td (on ) Tj ET Q q 0 0 0 rg BT 342.52 676.10 Td (a ) Tj ET Q q 0 0 0 rg BT 349.45 676.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 402.50 676.10 Td (basis:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 622.60 221.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 622.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 622.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 622.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 622.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 622.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 622.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 622.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 622.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 622.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 594.60 221.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 594.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 594.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 594.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 594.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 594.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 594.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 594.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 594.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 594.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 566.60 221.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 566.60 55.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 566.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 566.60 55.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 566.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 566.60 55.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 566.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 566.60 55.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 566.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 566.60 55.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 535.60 221.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 535.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 535.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 535.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 535.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 535.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 535.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 535.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 535.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 535.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 507.60 221.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 507.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 507.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 507.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 507.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 507.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 507.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 507.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 507.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 507.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 479.60 221.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 479.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 479.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 479.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 479.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 479.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 479.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 479.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 479.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 479.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 452.60 221.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 452.60 55.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 452.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 452.60 55.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 452.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 452.60 55.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 452.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 452.60 55.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 452.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 452.60 55.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 423.60 221.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 423.60 55.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 423.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 423.60 55.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 423.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 423.60 55.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 423.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 423.60 55.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 423.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 423.60 55.00 -16.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 645.6 m 326 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326 645.6 m 330 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 645.6 m 385 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 645.6 m 389 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 645.6 m 444 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 645.6 m 503 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 645.6 m 507 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 645.6 m 562 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 645.6 m 326 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 622.6 m 326 622.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 622.6 m 385 622.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 622.6 m 444 622.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 622.6 m 503 622.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 622.6 m 562 622.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 580.6 m 326 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 566.6 m 326 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 580.6 m 385 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 566.6 m 385 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 580.6 m 444 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 566.6 m 444 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 580.6 m 503 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 566.6 m 503 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 580.6 m 562 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 566.6 m 562 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 493.6 m 326 493.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 493.6 m 326 493.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 479.6 m 326 479.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 493.6 m 385 493.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 479.6 m 385 479.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 493.6 m 444 493.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 479.6 m 444 479.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 493.6 m 503 493.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 479.6 m 503 479.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 493.6 m 562 493.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 479.6 m 562 479.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 436.6 m 326 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 436.6 m 385 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 436.6 m 444 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 436.6 m 503 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 436.6 m 562 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 407.6 m 326 407.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 395.6 m 326 395.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 393.6 m 326 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 407.6 m 385 407.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 395.6 m 385 395.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 393.6 m 385 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 407.6 m 444 407.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 395.6 m 444 395.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 393.6 m 444 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 407.6 m 503 407.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 395.6 m 503 395.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 393.6 m 503 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 407.6 m 562 407.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 395.6 m 562 395.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 393.6 m 562 393.6 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 650.28 Td (Consolidated:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.50 650.28 Td (Y) Tj ET Q q 0 0 0 rg BT 313.17 650.28 Td (ear) Tj ET Q q 0 0 0 rg BT 326.40 650.28 Td ( ended January 31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 488.10 650.28 Td (Change) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 627.31 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 288.00 627.28 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 347.00 627.28 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 406.00 627.28 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.05 636.33 Td (2018 vs.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.00 626.33 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 517.05 636.33 Td (2017 vs.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 524.00 626.33 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 613.28 Td (Revenues:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.50 613.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.50 613.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.50 613.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.50 613.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.50 613.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 599.17 Td (T) Tj ET Q q 0 0 0 rg BT 58.26 599.17 Td (otal net sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.50 599.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.10 599.17 Td (1,191,967) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.50 599.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.10 599.17 Td (1,314,471) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.50 599.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.10 599.17 Td (1,322,589) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.50 599.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.30 599.22 Td (\(122,504) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.15 599.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.50 599.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 599.22 Td (\(8,1) Tj ET Q q 0 0 0 rg BT 548.13 599.22 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 599.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 585.17 Td (Finance char) Tj ET Q q 0 0 0 rg BT 103.77 585.17 Td (ges and other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.65 585.17 Td (324,064) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 585.17 Td (282,377) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.65 585.17 Td (290,589) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.65 585.17 Td (41,687) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 585.22 Td (\(8,212) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 585.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 571.28 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 571.28 Td (otal r) Tj ET Q q 0 0 0 rg BT 87.21 571.28 Td (evenues) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.10 571.28 Td (1,516,031) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 341.10 571.28 Td (1,596,848) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 400.10 571.28 Td (1,613,178) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.30 571.33 Td (\(80,817) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.15 571.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.30 571.33 Td (\(16,330) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.15 571.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 555.28 Td (Costs and expenses:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.50 555.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.50 555.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.50 555.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 555.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.50 555.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 540.27 Td (Cost of goods sold) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.65 540.27 Td (720,344) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 540.27 Td (823,082) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.65 540.27 Td (833,126) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.30 540.32 Td (\(102,738) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.15 540.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.30 540.32 Td (\(10,044) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 540.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 526.17 Td (Selling, general and administrative expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.65 526.17 Td (450,413) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 526.17 Td (460,896) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.65 526.17 Td (436,1) Tj ET Q q 0 0 0 rg BT 430.15 526.17 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.30 526.22 Td (\(10,483) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.15 526.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 526.17 Td (24,781) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 512.17 Td (Provision for bad debts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.65 512.17 Td (216,875) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 512.17 Td (242,294) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.65 512.17 Td (222,177) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.30 512.22 Td (\(25,419) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.15 512.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 512.17 Td (20,1) Tj ET Q q 0 0 0 rg BT 548.15 512.17 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 498.17 Td (Char) Tj ET Q q 0 0 0 rg BT 71.85 498.17 Td (ges and credits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.65 498.17 Td (13,331) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.65 498.17 Td (6,478) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.65 498.17 Td (8,044) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 498.17 Td (6,853) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 498.22 Td (\(1,566) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 498.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 484.28 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 484.28 Td (otal costs and expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.10 484.28 Td (1,400,963) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 341.10 484.28 Td (1,532,750) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 400.10 484.28 Td (1,499,462) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.30 484.33 Td (\(131,787) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.15 484.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 530.65 484.28 Td (33,288) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 64.50 470.33 Td (Operating income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 289.65 470.33 Td (1) Tj ET Q q 0 0 0 rg BT 294.65 470.33 Td (15,068) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 353.65 470.33 Td (64,098) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.65 470.33 Td (1) Tj ET Q q 0 0 0 rg BT 412.65 470.33 Td (13,716) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.65 470.33 Td (50,970) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.30 470.38 Td (\(49,618) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.15 470.33 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 457.17 Td (Interest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.65 457.17 Td (80,160) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.65 457.17 Td (98,615) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.65 457.17 Td (63,106) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.30 457.22 Td (\(18,455) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.15 457.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 457.17 Td (35,509) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 441.27 Td (Loss on early extinguishment of debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.65 441.27 Td (3,274) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.15 441.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.65 441.27 Td (1,367) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 441.27 Td (3,274) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 441.32 Td (\(1,367) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 441.27 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 427.33 Td (Income \(loss\) befor) Tj ET Q q 0 0 0 rg BT 140.06 427.33 Td (e income taxes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 294.65 427.33 Td (31,634) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 350.30 427.38 Td (\(34,517) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.15 427.33 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 412.65 427.33 Td (49,243) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.65 427.33 Td (66,151) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.30 427.38 Td (\(83,760) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.15 427.33 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 412.27 Td (Provision \(benefit\) for income taxes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.65 412.27 Td (25,171) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.30 412.32 Td (\(8,955) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.15 412.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.65 412.27 Td (18,388) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.65 412.27 Td (34,126) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.30 412.32 Td (\(27,343) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 412.27 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 398.33 Td (Net income \(loss\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 273.50 398.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 299.65 398.33 Td (6,463) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.50 398.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 350.30 398.38 Td (\(25,562) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.15 398.33 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.50 398.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 412.65 398.33 Td (30,855) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.50 398.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.65 398.33 Td (32,025) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 509.50 398.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.30 398.38 Td (\(56,417) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.15 398.33 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 377.10 Td (Supplementary ) Tj ET Q q 0 0 0 rg BT 114.23 377.10 Td (Operating ) Tj ET Q q 0 0 0 rg BT 158.40 377.10 Td (Segment ) Tj ET Q q 0 0 0 rg BT 196.45 377.10 Td (Information) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 359.10 Td (Operating ) Tj ET Q q 0 0 0 rg BT 91.79 359.10 Td (segments ) Tj ET Q q 0 0 0 rg BT 131.32 359.10 Td (are ) Tj ET Q q 0 0 0 rg BT 145.84 359.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 178.13 359.10 Td (as ) Tj ET Q q 0 0 0 rg BT 188.77 359.10 Td (components ) Tj ET Q q 0 0 0 rg BT 239.41 359.10 Td (of ) Tj ET Q q 0 0 0 rg BT 250.05 359.10 Td (an ) Tj ET Q q 0 0 0 rg BT 261.79 359.10 Td (enterprise ) Tj ET Q q 0 0 0 rg BT 303.53 359.10 Td (that ) Tj ET Q q 0 0 0 rg BT 320.83 359.10 Td (engage ) Tj ET Q q 0 0 0 rg BT 351.46 359.10 Td (in ) Tj ET Q q 0 0 0 rg BT 361.55 359.10 Td (business ) Tj ET Q q 0 0 0 rg BT 397.75 359.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 436.16 359.10 Td (and ) Tj ET Q q 0 0 0 rg BT 452.90 359.10 Td (for ) Tj ET Q q 0 0 0 rg BT 466.87 359.10 Td (which ) Tj ET Q q 0 0 0 rg BT 493.62 359.10 Td (discrete ) Tj ET Q q 0 0 0 rg BT 527.02 359.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 347.10 Td (information ) Tj ET Q q 0 0 0 rg BT 98.98 347.10 Td (is ) Tj ET Q q 0 0 0 rg BT 107.92 347.10 Td (available ) Tj ET Q q 0 0 0 rg BT 146.28 347.10 Td (that ) Tj ET Q q 0 0 0 rg BT 163.54 347.10 Td (is ) Tj ET Q q 0 0 0 rg BT 172.48 347.10 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 213.06 347.10 Td (on ) Tj ET Q q 0 0 0 rg BT 225.33 347.10 Td (a ) Tj ET Q q 0 0 0 rg BT 232.04 347.10 Td (regular ) Tj ET Q q 0 0 0 rg BT 262.63 347.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 284.90 347.10 Td (by ) Tj ET Q q 0 0 0 rg BT 297.17 347.10 Td (the ) Tj ET Q q 0 0 0 rg BT 311.65 347.10 Td (chief ) Tj ET Q q 0 0 0 rg BT 333.91 347.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 373.94 347.10 Td (decision ) Tj ET Q q 0 0 0 rg BT 409.53 347.10 Td (maker ) Tj ET Q q 0 0 0 rg BT 436.79 347.10 Td (to ) Tj ET Q q 0 0 0 rg BT 446.84 347.10 Td (make ) Tj ET Q q 0 0 0 rg BT 470.76 347.10 Td (decisions ) Tj ET Q q 0 0 0 rg BT 510.25 347.10 Td (about ) Tj ET Q q 0 0 0 rg BT 534.73 347.10 Td (how ) Tj ET Q q 0 0 0 rg BT 554.23 347.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 335.10 Td (allocate ) Tj ET Q q 0 0 0 rg BT 82.29 335.10 Td (resources ) Tj ET Q q 0 0 0 rg BT 121.75 335.10 Td (and ) Tj ET Q q 0 0 0 rg BT 137.88 335.10 Td (assess ) Tj ET Q q 0 0 0 rg BT 164.03 335.10 Td (performance. ) Tj ET Q q 0 0 0 rg BT 218.63 335.10 Td (W) Tj ET Q q 0 0 0 rg BT 227.26 335.10 Td (e ) Tj ET Q q 0 0 0 rg BT 233.40 335.10 Td (are ) Tj ET Q q 0 0 0 rg BT 247.31 335.10 Td (a ) Tj ET Q q 0 0 0 rg BT 253.44 335.10 Td (leading ) Tj ET Q q 0 0 0 rg BT 284.58 335.10 Td (specialty ) Tj ET Q q 0 0 0 rg BT 321.82 335.10 Td (retailer ) Tj ET Q q 0 0 0 rg BT 351.83 335.10 Td (and ) Tj ET Q q 0 0 0 rg BT 367.97 335.10 Td (of) Tj ET Q q 0 0 0 rg BT 376.12 335.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 388.91 335.10 Td (a ) Tj ET Q q 0 0 0 rg BT 395.05 335.10 Td (broad ) Tj ET Q q 0 0 0 rg BT 419.52 335.10 Td (selection ) Tj ET Q q 0 0 0 rg BT 456.76 335.10 Td (of ) Tj ET Q q 0 0 0 rg BT 466.79 335.10 Td (quality) Tj ET Q q 0 0 0 rg BT 493.91 335.10 Td (, ) Tj ET Q q 0 0 0 rg BT 498.11 335.10 Td (branded ) Tj ET Q q 0 0 0 rg BT 532.02 335.10 Td (durable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 323.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 91.22 323.10 Td (goods ) Tj ET Q q 0 0 0 rg BT 117.96 323.10 Td (and ) Tj ET Q q 0 0 0 rg BT 135.24 323.10 Td (related ) Tj ET Q q 0 0 0 rg BT 165.28 323.10 Td (services ) Tj ET Q q 0 0 0 rg BT 200.33 323.10 Td (in ) Tj ET Q q 0 0 0 rg BT 210.95 323.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 246.57 323.10 Td (to ) Tj ET Q q 0 0 0 rg BT 257.19 323.10 Td (a ) Tj ET Q q 0 0 0 rg BT 264.47 323.10 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 311.74 323.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 337.35 323.10 Td (solution ) Tj ET Q q 0 0 0 rg BT 372.42 323.10 Td (for ) Tj ET Q q 0 0 0 rg BT 386.92 323.10 Td (our ) Tj ET Q q 0 0 0 rg BT 403.09 323.10 Td (core ) Tj ET Q q 0 0 0 rg BT 423.15 323.10 Td (credit-constrained ) Tj ET Q q 0 0 0 rg BT 498.18 323.10 Td (consumers. ) Tj ET Q q 0 0 0 rg BT 546.29 323.10 Td ( ) Tj ET Q q 0 0 0 rg BT 548.93 323.10 Td (W) Tj ET Q q 0 0 0 rg BT 557.56 323.10 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 311.10 Td (have ) Tj ET Q q 0 0 0 rg BT 71.72 311.10 Td (two ) Tj ET Q q 0 0 0 rg BT 90.06 311.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 131.16 311.10 Td (segments: ) Tj ET Q q 0 0 0 rg BT 174.50 311.10 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 187.27 311.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 211.16 311.10 Td (and ) Tj ET Q q 0 0 0 rg BT 228.93 311.10 Td (\(ii\) ) Tj ET Q q 0 0 0 rg BT 244.49 311.10 Td (credit. ) Tj ET Q q 0 0 0 rg BT 273.09 311.10 Td ( ) Tj ET Q q 0 0 0 rg BT 276.43 311.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 295.33 311.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 336.43 311.10 Td (segments ) Tj ET Q q 0 0 0 rg BT 376.99 311.10 Td (complement ) Tj ET Q q 0 0 0 rg BT 429.75 311.10 Td (one ) Tj ET Q q 0 0 0 rg BT 447.53 311.10 Td (another) Tj ET Q q 0 0 0 rg BT 476.97 311.10 Td (. ) Tj ET Q q 0 0 0 rg BT 482.81 311.10 Td ( ) Tj ET Q q 0 0 0 rg BT 485.90 311.10 Td (The ) Tj ET Q q 0 0 0 rg BT 504.79 311.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 528.67 311.10 Td (segment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 299.10 Td (operates ) Tj ET Q q 0 0 0 rg BT 85.87 299.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 126.15 299.10 Td (through ) Tj ET Q q 0 0 0 rg BT 160.31 299.10 Td (our ) Tj ET Q q 0 0 0 rg BT 176.70 299.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 203.09 299.10 Td (and ) Tj ET Q q 0 0 0 rg BT 220.59 299.10 Td (website ) Tj ET Q q 0 0 0 rg BT 254.19 299.10 Td (and ) Tj ET Q q 0 0 0 rg BT 271.69 299.10 Td (its ) Tj ET Q q 0 0 0 rg BT 284.20 299.10 Td (product ) Tj ET Q q 0 0 0 rg BT 317.81 299.10 Td (of) Tj ET Q q 0 0 0 rg BT 325.96 299.10 Td (ferings ) Tj ET Q q 0 0 0 rg BT 356.78 299.10 Td (include ) Tj ET Q q 0 0 0 rg BT 389.28 299.10 Td (furniture ) Tj ET Q q 0 0 0 rg BT 427.32 299.10 Td (and ) Tj ET Q q 0 0 0 rg BT 444.82 299.10 Td (mattresses, ) Tj ET Q q 0 0 0 rg BT 492.03 299.10 Td (home ) Tj ET Q q 0 0 0 rg BT 517.31 299.10 Td (appliances, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 287.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 90.35 287.10 Td (electronics ) Tj ET Q q 0 0 0 rg BT 135.64 287.10 Td (and ) Tj ET Q q 0 0 0 rg BT 152.06 287.10 Td (home ) Tj ET Q q 0 0 0 rg BT 176.25 287.10 Td (of) Tj ET Q q 0 0 0 rg BT 184.40 287.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 201.37 287.10 Td (products ) Tj ET Q q 0 0 0 rg BT 237.78 287.10 Td (from ) Tj ET Q q 0 0 0 rg BT 259.20 287.10 Td (leading ) Tj ET Q q 0 0 0 rg BT 290.61 287.10 Td (global ) Tj ET Q q 0 0 0 rg BT 317.58 287.10 Td (brands ) Tj ET Q q 0 0 0 rg BT 346.22 287.10 Td (across ) Tj ET Q q 0 0 0 rg BT 373.19 287.10 Td (a ) Tj ET Q q 0 0 0 rg BT 379.60 287.10 Td (wide ) Tj ET Q q 0 0 0 rg BT 401.02 287.10 Td (range ) Tj ET Q q 0 0 0 rg BT 425.20 287.10 Td (of ) Tj ET Q q 0 0 0 rg BT 435.51 287.10 Td (price ) Tj ET Q q 0 0 0 rg BT 457.47 287.10 Td (points. ) Tj ET Q q 0 0 0 rg BT 486.40 287.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 503.93 287.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 528.67 287.10 Td (segment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 275.10 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 275.10 Td (fers ) Tj ET Q q 0 0 0 rg BT 74.15 275.10 Td (af) Tj ET Q q 0 0 0 rg BT 81.73 275.10 Td (fordable ) Tj ET Q q 0 0 0 rg BT 116.55 275.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 155.82 275.10 Td (solutions ) Tj ET Q q 0 0 0 rg BT 193.45 275.10 Td (to ) Tj ET Q q 0 0 0 rg BT 202.73 275.10 Td (a ) Tj ET Q q 0 0 0 rg BT 208.67 275.10 Td (lar) Tj ET Q q 0 0 0 rg BT 219.04 275.10 Td (ge, ) Tj ET Q q 0 0 0 rg BT 232.48 275.10 Td (under) Tj ET Q q 0 0 0 rg BT 255.05 275.10 Td (-served ) Tj ET Q q 0 0 0 rg BT 285.99 275.10 Td (population ) Tj ET Q q 0 0 0 rg BT 330.27 275.10 Td (of ) Tj ET Q q 0 0 0 rg BT 340.10 275.10 Td (credit-constrained ) Tj ET Q q 0 0 0 rg BT 413.79 275.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 458.07 275.10 Td (who ) Tj ET Q q 0 0 0 rg BT 476.79 275.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 513.29 275.10 Td (have ) Tj ET Q q 0 0 0 rg BT 533.67 275.10 Td (limited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 263.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 74.53 263.10 Td (alternatives. ) Tj ET Q q 0 0 0 rg BT 125.39 263.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 143.21 263.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 183.24 263.10 Td (segments ) Tj ET Q q 0 0 0 rg BT 222.73 263.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 255.54 263.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 298.35 263.10 Td (the ) Tj ET Q q 0 0 0 rg BT 312.84 263.10 Td (opportunity ) Tj ET Q q 0 0 0 rg BT 361.77 263.10 Td (to ) Tj ET Q q 0 0 0 rg BT 371.82 263.10 Td (comparison ) Tj ET Q q 0 0 0 rg BT 420.74 263.10 Td (shop ) Tj ET Q q 0 0 0 rg BT 441.90 263.10 Td (across ) Tj ET Q q 0 0 0 rg BT 469.16 263.10 Td (brands ) Tj ET Q q 0 0 0 rg BT 498.09 263.10 Td (with ) Tj ET Q q 0 0 0 rg BT 518.14 263.10 Td (confidence ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 251.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.63 251.10 Td (our ) Tj ET Q q 0 0 0 rg BT 75.31 251.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 124.86 251.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 151.09 251.10 Td (as ) Tj ET Q q 0 0 0 rg BT 161.77 251.10 Td (well ) Tj ET Q q 0 0 0 rg BT 181.33 251.10 Td (as ) Tj ET Q q 0 0 0 rg BT 192.01 251.10 Td (af) Tj ET Q q 0 0 0 rg BT 199.60 251.10 Td (fordable ) Tj ET Q q 0 0 0 rg BT 235.26 251.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 270.95 251.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 307.73 251.10 Td (options, ) Tj ET Q q 0 0 0 rg BT 342.02 251.10 Td (next ) Tj ET Q q 0 0 0 rg BT 361.59 251.10 Td (day ) Tj ET Q q 0 0 0 rg BT 378.38 251.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 413.49 251.10 Td (and ) Tj ET Q q 0 0 0 rg BT 430.28 251.10 Td (installation ) Tj ET Q q 0 0 0 rg BT 477.06 251.10 Td (in ) Tj ET Q q 0 0 0 rg BT 487.19 251.10 Td (the ) Tj ET Q q 0 0 0 rg BT 501.76 251.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 537.99 251.10 Td (of ) Tj ET Q q 0 0 0 rg BT 548.67 251.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 239.10 Td (markets, ) Tj ET Q q 0 0 0 rg BT 87.21 239.10 Td (and ) Tj ET Q q 0 0 0 rg BT 105.21 239.10 Td (product ) Tj ET Q q 0 0 0 rg BT 139.32 239.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 166.19 239.10 Td (service. ) Tj ET Q q 0 0 0 rg BT 200.31 239.10 Td (W) Tj ET Q q 0 0 0 rg BT 208.95 239.10 Td (e ) Tj ET Q q 0 0 0 rg BT 216.95 239.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 249.38 239.10 Td (our ) Tj ET Q q 0 0 0 rg BT 266.27 239.10 Td (lar) Tj ET Q q 0 0 0 rg BT 276.64 239.10 Td (ge, ) Tj ET Q q 0 0 0 rg BT 292.13 239.10 Td (attractively ) Tj ET Q q 0 0 0 rg BT 340.67 239.10 Td (merchandised ) Tj ET Q q 0 0 0 rg BT 399.76 239.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 423.86 239.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 450.75 239.10 Td (and ) Tj ET Q q 0 0 0 rg BT 468.75 239.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 495.07 239.10 Td (solutions ) Tj ET Q q 0 0 0 rg BT 534.75 239.10 Td (of) Tj ET Q q 0 0 0 rg BT 542.90 239.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 557.56 239.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 227.10 Td (distinctive ) Tj ET Q q 0 0 0 rg BT 94.53 227.10 Td (value ) Tj ET Q q 0 0 0 rg BT 119.56 227.10 Td (proposition ) Tj ET Q q 0 0 0 rg BT 168.48 227.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 211.28 227.10 Td (to ) Tj ET Q q 0 0 0 rg BT 222.43 227.10 Td (other ) Tj ET Q q 0 0 0 rg BT 246.34 227.10 Td (retailers ) Tj ET Q q 0 0 0 rg BT 281.92 227.10 Td (that ) Tj ET Q q 0 0 0 rg BT 300.28 227.10 Td (tar) Tj ET Q q 0 0 0 rg BT 310.65 227.10 Td (get ) Tj ET Q q 0 0 0 rg BT 326.24 227.10 Td (our ) Tj ET Q q 0 0 0 rg BT 342.94 227.10 Td (core ) Tj ET Q q 0 0 0 rg BT 363.52 227.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 403.54 227.10 Td (demographic. ) Tj ET Q q 0 0 0 rg BT 461.61 227.10 Td ( ) Tj ET Q q 0 0 0 rg BT 464.74 227.10 Td (The ) Tj ET Q q 0 0 0 rg BT 483.66 227.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 524.79 227.10 Td (segments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 215.10 Td (follow ) Tj ET Q q 0 0 0 rg BT 78.11 215.10 Td (the ) Tj ET Q q 0 0 0 rg BT 92.83 215.10 Td (same ) Tj ET Q q 0 0 0 rg BT 115.87 215.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 162.24 215.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 195.85 215.10 Td (used ) Tj ET Q q 0 0 0 rg BT 216.68 215.10 Td (in ) Tj ET Q q 0 0 0 rg BT 226.96 215.10 Td (our ) Tj ET Q q 0 0 0 rg BT 242.79 215.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 295.83 215.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 333.31 215.10 Td (statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 197.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 197.10 Td (e ) Tj ET Q q 0 0 0 rg BT 64.88 197.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 100.50 197.10 Td (a ) Tj ET Q q 0 0 0 rg BT 107.24 197.10 Td (segment) Tj ET Q q 0 0 0 rg BT 143.34 197.10 Td (s ) Tj ET Q q 0 0 0 rg BT 149.54 197.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 202.37 197.10 Td (based ) Tj ET Q q 0 0 0 rg BT 227.44 197.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 249.74 197.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 289.81 197.10 Td (income ) Tj ET Q q 0 0 0 rg BT 321.55 197.10 Td (before ) Tj ET Q q 0 0 0 rg BT 349.39 197.10 Td (taxes. ) Tj ET Q q 0 0 0 rg BT 374.74 197.10 Td ( ) Tj ET Q q 0 0 0 rg BT 377.05 197.10 Td (SG&A) Tj ET Q q 0 0 0 rg BT 404.28 197.10 Td ( ) Tj ET Q q 0 0 0 rg BT 406.58 197.10 Td (include ) Tj ET Q q 0 0 0 rg BT 438.32 197.10 Td (the ) Tj ET Q q 0 0 0 rg BT 452.84 197.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 477.91 197.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 516.32 197.10 Td (of ) Tj ET Q q 0 0 0 rg BT 526.95 197.10 Td (the ) Tj ET Q q 0 0 0 rg BT 541.47 197.10 Td (retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 185.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.54 185.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 91.90 185.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 138.65 185.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 177.34 185.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 217.70 185.10 Td (overhead ) Tj ET Q q 0 0 0 rg BT 256.94 185.10 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 298.14 185.10 Td (and ) Tj ET Q q 0 0 0 rg BT 315.18 185.10 Td (a ) Tj ET Q q 0 0 0 rg BT 322.21 185.10 Td (char) Tj ET Q q 0 0 0 rg BT 339.24 185.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 351.28 185.10 Td (to ) Tj ET Q q 0 0 0 rg BT 361.65 185.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.47 185.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 401.83 185.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 437.76 185.10 Td (to ) Tj ET Q q 0 0 0 rg BT 448.14 185.10 Td (reimburse ) Tj ET Q q 0 0 0 rg BT 490.72 185.10 Td (the ) Tj ET Q q 0 0 0 rg BT 505.54 185.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 528.68 185.10 Td (segment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 173.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.94 173.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 102.81 173.10 Td (it ) Tj ET Q q 0 0 0 rg BT 111.15 173.10 Td (incurs ) Tj ET Q q 0 0 0 rg BT 138.36 173.10 Td (related ) Tj ET Q q 0 0 0 rg BT 168.34 173.10 Td (to ) Tj ET Q q 0 0 0 rg BT 178.90 173.10 Td (occupancy) Tj ET Q q 0 0 0 rg BT 221.00 173.10 Td (, ) Tj ET Q q 0 0 0 rg BT 226.28 173.10 Td (personnel, ) Tj ET Q q 0 0 0 rg BT 270.43 173.10 Td (advertising ) Tj ET Q q 0 0 0 rg BT 317.65 173.10 Td (and ) Tj ET Q q 0 0 0 rg BT 334.86 173.10 Td (other ) Tj ET Q q 0 0 0 rg BT 358.19 173.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 383.73 173.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 406.50 173.10 Td (of ) Tj ET Q q 0 0 0 rg BT 417.61 173.10 Td (the ) Tj ET Q q 0 0 0 rg BT 432.61 173.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 455.92 173.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 492.03 173.10 Td (which ) Tj ET Q q 0 0 0 rg BT 519.24 173.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 549.78 173.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 161.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 74.82 161.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 119.03 161.10 Td (by ) Tj ET Q q 0 0 0 rg BT 131.59 161.10 Td (sourcing ) Tj ET Q q 0 0 0 rg BT 168.59 161.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 193.91 161.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 237.01 161.10 Td (and ) Tj ET Q q 0 0 0 rg BT 254.01 161.10 Td (collecting ) Tj ET Q q 0 0 0 rg BT 296.00 161.10 Td (payments. ) Tj ET Q q 0 0 0 rg BT 339.19 161.10 Td (The ) Tj ET Q q 0 0 0 rg BT 357.30 161.10 Td (reimbursement ) Tj ET Q q 0 0 0 rg BT 419.84 161.10 Td (received ) Tj ET Q q 0 0 0 rg BT 456.26 161.10 Td (by ) Tj ET Q q 0 0 0 rg BT 468.81 161.10 Td (the ) Tj ET Q q 0 0 0 rg BT 483.59 161.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 506.69 161.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 542.57 161.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 149.10 Td (the ) Tj ET Q q 0 0 0 rg BT 63.63 149.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 88.31 149.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 123.54 149.10 Td (is ) Tj ET Q q 0 0 0 rg BT 132.13 149.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 172.36 149.10 Td (using ) Tj ET Q q 0 0 0 rg BT 195.94 149.10 Td (an ) Tj ET Q q 0 0 0 rg BT 207.30 149.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 235.86 149.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 252.76 149.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.01 149.10 Td (2.5% ) Tj ET Q q 0 0 0 rg BT 285.75 149.10 Td (multiplied ) Tj ET Q q 0 0 0 rg BT 328.77 149.10 Td (by ) Tj ET Q q 0 0 0 rg BT 340.68 149.10 Td (the ) Tj ET Q q 0 0 0 rg BT 354.81 149.10 Td (average ) Tj ET Q q 0 0 0 rg BT 387.81 149.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 424.72 149.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 457.16 149.10 Td (for ) Tj ET Q q 0 0 0 rg BT 470.74 149.10 Td (each ) Tj ET Q q 0 0 0 rg BT 490.97 149.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 533.97 149.10 Td (period. ) Tj ET Q endstream endobj 79 0 obj <>] /Rotate 0 /Contents 80 0 R>> endobj 80 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.30 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 108.43 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 130.12 742.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 172.90 742.10 Td (total ) Tj ET Q q 0 0 0 rg BT 192.93 742.10 Td (revenues, ) Tj ET Q q 0 0 0 rg BT 233.21 742.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 255.46 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 272.15 742.10 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 313.00 742.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 353.02 742.10 Td (income ) Tj ET Q q 0 0 0 rg BT 384.70 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 401.39 742.10 Td (income ) Tj ET Q q 0 0 0 rg BT 433.07 742.10 Td (before ) Tj ET Q q 0 0 0 rg BT 460.86 742.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 483.66 742.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 531.44 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 541.47 742.10 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 89.76 730.10 Td (segments ) Tj ET Q q 0 0 0 rg BT 129.48 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 143.64 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.36 730.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 190.30 730.10 Td (indicated:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 674.60 221.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 674.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 674.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 674.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 674.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 674.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 674.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 674.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 674.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 674.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 644.60 221.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 644.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 644.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 644.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 644.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 644.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 644.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 644.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 644.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 644.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 614.60 221.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 614.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 614.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 614.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 614.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 614.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 614.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 614.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 614.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 614.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 584.60 221.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 584.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 584.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 584.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 584.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 584.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 584.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 584.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 584.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 584.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 554.60 221.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 554.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 554.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 554.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 554.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 554.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 554.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 554.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 554.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 554.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 524.60 221.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 524.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 524.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 524.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 524.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 524.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 524.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 524.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 524.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 524.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 494.60 221.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 494.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 494.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 494.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 494.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 494.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 494.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 494.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 494.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 494.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 464.60 221.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 464.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 464.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 464.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 464.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 464.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 464.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 464.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 464.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 464.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 429.60 221.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 429.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 429.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 429.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 429.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 429.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 429.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 429.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 429.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 429.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 399.60 221.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 399.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 399.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 399.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 399.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 399.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 399.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 399.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 399.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 399.60 55.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 698.6 m 326 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326 698.6 m 330 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 698.6 m 385 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 698.6 m 389 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 698.6 m 444 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 698.6 m 503 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 698.6 m 507 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 698.6 m 562 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 698.6 m 326 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 674.6 m 326 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 674.6 m 385 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 674.6 m 444 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 674.6 m 503 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 674.6 m 562 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 614.6 m 326 614.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 614.6 m 385 614.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 614.6 m 444 614.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 614.6 m 503 614.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 614.6 m 562 614.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 584.6 m 326 584.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 569.6 m 326 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 584.6 m 385 584.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 569.6 m 385 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 584.6 m 444 584.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 569.6 m 444 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 584.6 m 503 584.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 569.6 m 503 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 584.6 m 562 584.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 569.6 m 562 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 494.6 m 326 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 479.6 m 326 479.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 494.6 m 385 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 479.6 m 385 479.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 494.6 m 444 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 479.6 m 444 479.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 494.6 m 503 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 479.6 m 503 479.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 494.6 m 562 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 479.6 m 562 479.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 464.6 m 326 464.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 450.6 m 326 450.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 448.6 m 326 448.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 464.6 m 385 464.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 450.6 m 385 450.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 448.6 m 385 448.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 464.6 m 444 464.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 450.6 m 444 450.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 448.6 m 444 448.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 464.6 m 503 464.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 450.6 m 503 450.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 448.6 m 503 448.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 464.6 m 562 464.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 450.6 m 562 450.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 448.6 m 562 448.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 384.6 m 326 384.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 370.6 m 326 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 368.6 m 326 368.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 384.6 m 385 384.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 370.6 m 385 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 368.6 m 385 368.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 384.6 m 444 384.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 370.6 m 444 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 368.6 m 444 368.6 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 703.28 Td (Retail ) Tj ET Q q 0 0 0 rg BT 79.44 703.28 Td (Segment:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.50 703.28 Td (Y) Tj ET Q q 0 0 0 rg BT 313.17 703.28 Td (ear) Tj ET Q q 0 0 0 rg BT 326.40 703.28 Td ( ended January 31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 488.10 703.28 Td (Change) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 679.31 Td (\(dollars in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 288.00 679.28 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 347.00 679.28 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 406.00 679.28 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.05 689.28 Td (2018 vs.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.00 679.28 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 517.05 689.28 Td (2017 vs.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 524.00 679.28 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 664.28 Td (Revenues:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.50 664.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.50 664.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.50 664.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.50 664.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.50 664.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 649.27 Td (Product sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.50 649.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.10 649.27 Td (1,077,874) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.50 649.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.10 649.27 Td (1,186,197) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.50 649.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.10 649.27 Td (1,199,134) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.50 649.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.30 649.32 Td (\(108,323) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.15 649.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.50 649.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.30 649.32 Td (\(12,937) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 649.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 634.27 Td (Repair service agreement commissions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.65 634.27 Td (100,383) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 634.27 Td (1) Tj ET Q q 0 0 0 rg BT 353.65 634.27 Td (13,615) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.65 634.27 Td (109,730) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.30 634.32 Td (\(13,232) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.15 634.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 634.27 Td (3,885) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 619.27 Td (Service revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.65 619.27 Td (13,710) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.65 619.27 Td (14,659) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.65 619.27 Td (13,725) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.80 619.32 Td (\(949) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.15 619.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 619.27 Td (934) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 604.27 Td (T) Tj ET Q q 0 0 0 rg BT 64.26 604.27 Td (otal net sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.10 604.27 Td (1,191,967) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.10 604.27 Td (1,314,471) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.10 604.27 Td (1,322,589) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.30 604.32 Td (\(122,504) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.15 604.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 604.32 Td (\(8,1) Tj ET Q q 0 0 0 rg BT 548.13 604.32 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 604.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 589.27 Td (Finance char) Tj ET Q q 0 0 0 rg BT 103.77 589.27 Td (ges and other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 589.27 Td (341) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.65 589.27 Td (1,569) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.65 589.27 Td (1,639) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.30 589.32 Td (\(1,228) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.15 589.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 589.32 Td (\(70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 589.27 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 574.28 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 574.28 Td (otal r) Tj ET Q q 0 0 0 rg BT 87.21 574.28 Td (evenues) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.10 574.28 Td (1,192,308) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 341.10 574.28 Td (1,316,040) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 400.10 574.28 Td (1,324,228) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.30 574.33 Td (\(123,732) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.15 574.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.30 574.33 Td (\(8,188) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.15 574.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 559.28 Td (Costs and Expenses:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.50 559.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 559.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.50 559.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 544.27 Td (Cost of goods) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.65 544.27 Td (720,344) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 544.27 Td (823,082) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.65 544.27 Td (833,126) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.30 544.32 Td (\(102,738) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.15 544.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.30 544.32 Td (\(10,044) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 544.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 529.27 Td (Selling, general and administrative expense) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 226.61 533.80 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.65 529.27 Td (316,325) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 529.27 Td (326,078) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.65 529.27 Td (313,694) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.30 529.32 Td (\(9,753) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.15 529.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 529.27 Td (12,384) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 514.27 Td (Provision for bad debts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 514.27 Td (829) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.15 514.27 Td (990) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.15 514.27 Td (791) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.80 514.32 Td (\(161) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.15 514.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 514.27 Td (199) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 499.27 Td (Char) Tj ET Q q 0 0 0 rg BT 71.85 499.27 Td (ges and credits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.65 499.27 Td (13,331) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.65 499.27 Td (6,478) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.65 499.27 Td (8,044) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 499.27 Td (6,853) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 499.32 Td (\(1,566) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 499.27 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 484.28 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 484.28 Td (otal costs and expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.10 484.28 Td (1,050,829) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 341.10 484.28 Td (1,156,628) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 400.10 484.28 Td (1,155,655) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.30 484.33 Td (\(105,799) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.15 484.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.15 484.28 Td (973) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 64.50 469.28 Td (Operating income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 289.65 469.28 Td (141,479) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 348.65 469.28 Td (159,412) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.65 469.28 Td (168,573) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.30 469.33 Td (\(17,933) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.15 469.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.30 469.33 Td (\(9,161) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.15 469.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 454.28 Td (Income befor) Tj ET Q q 0 0 0 rg BT 115.25 454.28 Td (e income taxes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 273.50 454.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 289.65 454.28 Td (141,479) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.50 454.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 348.65 454.28 Td (159,412) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.50 454.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.65 454.28 Td (168,573) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.50 454.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.30 454.33 Td (\(17,933) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.15 454.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 509.50 454.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.30 454.33 Td (\(9,161) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.15 454.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 434.28 Td (Number) Tj ET Q q 0 0 0 rg BT 87.87 434.28 Td ( of stor) Tj ET Q q 0 0 0 rg BT 117.68 434.28 Td (es:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 419.27 Td (Beginning of fiscal year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 419.27 Td (1) Tj ET Q q 0 0 0 rg BT 312.15 419.27 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.15 419.27 Td (103) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.15 419.27 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 404.27 Td (Opened) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.15 404.27 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.15 404.27 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.15 404.27 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 389.27 Td (Closed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.15 389.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.15 389.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.80 389.32 Td (\(2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.15 389.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 374.27 Td (End of fiscal year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 374.27 Td (1) Tj ET Q q 0 0 0 rg BT 312.15 374.27 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.15 374.27 Td (1) Tj ET Q q 0 0 0 rg BT 371.15 374.27 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.15 374.27 Td (103) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 314.60 221.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 314.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 314.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 314.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 314.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 314.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 314.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 314.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 314.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 314.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 284.60 221.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 284.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 284.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 284.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 284.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 284.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 284.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 284.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 284.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 284.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 254.60 221.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 254.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 254.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 254.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 254.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 254.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 254.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 254.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 254.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 254.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 224.60 221.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 224.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 224.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 224.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 224.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 224.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 224.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 224.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 224.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 224.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 194.60 221.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 194.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 194.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 194.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 194.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 194.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 194.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 194.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 194.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 194.60 55.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 338.6 m 326 338.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326 338.6 m 330 338.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 338.6 m 385 338.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 338.6 m 389 338.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 338.6 m 444 338.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 338.6 m 503 338.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 338.6 m 507 338.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 338.6 m 562 338.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 338.6 m 326 338.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 314.6 m 326 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 314.6 m 385 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 314.6 m 444 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 338.6 m 503 338.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 314.6 m 503 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 338.6 m 507 338.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 338.6 m 562 338.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 314.6 m 562 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 284.6 m 326 284.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 284.6 m 385 284.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 284.6 m 444 284.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 284.6 m 503 284.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 284.6 m 562 284.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 239.60000000000002 m 326 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 224.60000000000002 m 326 224.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 239.60000000000002 m 385 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 224.60000000000002 m 385 224.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 239.60000000000002 m 444 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 224.60000000000002 m 444 224.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 239.60000000000002 m 503 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 224.60000000000002 m 503 224.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 239.60000000000002 m 562 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 224.60000000000002 m 562 224.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 179.60000000000002 m 326 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 165.60000000000002 m 326 165.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 163.60000000000002 m 326 163.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 179.60000000000002 m 385 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 165.60000000000002 m 385 165.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 163.60000000000002 m 385 163.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 179.60000000000002 m 444 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 165.60000000000002 m 444 165.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 163.60000000000002 m 444 163.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 179.60000000000002 m 503 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 165.60000000000002 m 503 165.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 163.60000000000002 m 503 163.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 179.60000000000002 m 562 179.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 165.60000000000002 m 562 165.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 163.60000000000002 m 562 163.60000000000002 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 343.28 Td (Credit ) Tj ET Q q 0 0 0 rg BT 80.56 343.28 Td (Segment:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.50 343.28 Td (Y) Tj ET Q q 0 0 0 rg BT 313.17 343.28 Td (ear) Tj ET Q q 0 0 0 rg BT 326.40 343.28 Td ( ended January 31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 488.10 343.28 Td (Change) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 319.31 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 288.00 319.28 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 347.00 319.28 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 406.00 319.28 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.05 329.28 Td (2018 vs.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.00 319.28 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 517.05 329.28 Td (2017 vs.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 524.00 319.28 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 304.28 Td (Revenues:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.50 304.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.50 304.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.50 304.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.50 304.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.50 304.27 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 289.28 Td (Finance charges and other) Tj ET Q q 0 0 0 rg BT 171.46 289.28 Td ( r) Tj ET Q q 0 0 0 rg BT 178.21 289.28 Td (evenues) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 273.50 289.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 289.65 289.28 Td (323,723) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.50 289.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 348.65 289.28 Td (280,808) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.50 289.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.65 289.28 Td (288,950) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.50 289.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.65 289.28 Td (42,915) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 509.50 289.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.30 289.33 Td (\(8,142) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.15 289.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 274.28 Td (Costs and expenses:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 259.27 Td (Selling, general and administrative expense) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 226.61 263.80 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.65 259.27 Td (134,088) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 259.27 Td (134,818) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.65 259.27 Td (122,421) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.80 259.32 Td (\(730) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.15 259.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 259.27 Td (12,397) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 244.27 Td (Provision for bad debts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.65 244.27 Td (216,046) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 244.27 Td (241,304) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.65 244.27 Td (221,386) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.30 244.32 Td (\(25,258) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.15 244.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 244.27 Td (19,918) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 229.28 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 229.28 Td (otal cost and expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 289.65 229.28 Td (350,134) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 348.65 229.28 Td (376,122) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.65 229.28 Td (343,807) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.30 229.33 Td (\(25,988) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.15 229.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 530.65 229.28 Td (32,315) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 64.50 214.28 Td (Operating loss) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 291.30 214.33 Td (\(26,41) Tj ET Q q 0 0 0 rg BT 317.13 214.33 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 322.15 214.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 350.30 214.33 Td (\(95,314) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.15 214.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 409.30 214.33 Td (\(54,857) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 440.15 214.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.65 214.28 Td (68,903) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.30 214.33 Td (\(40,457) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.15 214.28 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 199.27 Td (Interest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.65 199.27 Td (80,160) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.65 199.27 Td (98,615) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.65 199.27 Td (63,106) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.30 199.32 Td (\(18,455) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.15 199.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 199.27 Td (35,509) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 184.27 Td (Loss on early extinguishment of debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.65 184.27 Td (3,274) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.15 184.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.65 184.27 Td (1,367) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 184.27 Td (3,274) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 184.32 Td (\(1,367) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 184.27 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 169.28 Td (Loss befor) Tj ET Q q 0 0 0 rg BT 103.04 169.28 Td (e income taxes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 273.50 169.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 286.30 169.33 Td (\(109,845) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 322.15 169.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.50 169.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 345.30 169.33 Td (\(193,929) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.15 169.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.50 169.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.30 169.33 Td (\(1) Tj ET Q q 0 0 0 rg BT 412.63 169.33 Td (19,330) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 440.15 169.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.50 169.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 471.65 169.28 Td (84,084) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 509.50 169.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.30 169.33 Td (\(74,599) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.15 169.28 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.50 165.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.10 Td (\(1\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 147.10 Td (For ) Tj ET Q q 0 0 0 rg BT 83.77 147.10 Td (the ) Tj ET Q q 0 0 0 rg BT 98.37 147.10 Td (years ) Tj ET Q q 0 0 0 rg BT 121.85 147.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.10 147.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 196.58 147.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.58 147.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.46 147.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.46 147.10 Td ( ) Tj ET Q q 0 0 0 rg BT 243.84 147.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.66 147.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.66 147.10 Td (, ) Tj ET Q q 0 0 0 rg BT 285.54 147.10 Td (the ) Tj ET Q q 0 0 0 rg BT 300.13 147.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 332.51 147.10 Td (of ) Tj ET Q q 0 0 0 rg BT 343.22 147.10 Td (overhead ) Tj ET Q q 0 0 0 rg BT 382.24 147.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 420.71 147.10 Td (to ) Tj ET Q q 0 0 0 rg BT 430.87 147.10 Td (each ) Tj ET Q q 0 0 0 rg BT 451.56 147.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 487.27 147.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 524.62 147.10 Td (in ) Tj ET Q q 0 0 0 rg BT 534.77 147.10 Td (SG&A) Tj ET Q q 0 0 0 rg BT 562.01 147.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 135.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.63 135.10 Td ($27.6 ) Tj ET Q q 0 0 0 rg BT 110.70 135.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.59 135.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.67 135.10 Td ($24.5 ) Tj ET Q q 0 0 0 rg BT 169.74 135.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.63 135.10 Td ( ) Tj ET Q q 0 0 0 rg BT 201.21 135.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.22 135.10 Td ($16.7 ) Tj ET Q q 0 0 0 rg BT 243.30 135.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.19 135.10 Td (, ) Tj ET Q q 0 0 0 rg BT 277.26 135.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 324.92 135.10 Td (. ) Tj ET Q q 0 0 0 rg BT 330.00 135.10 Td (For ) Tj ET Q q 0 0 0 rg BT 346.46 135.10 Td (the ) Tj ET Q q 0 0 0 rg BT 361.26 135.10 Td (years ) Tj ET Q q 0 0 0 rg BT 384.93 135.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.38 135.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 460.05 135.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.05 135.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.13 135.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.13 135.10 Td ( ) Tj ET Q q 0 0 0 rg BT 507.70 135.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.72 135.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.72 135.10 Td (, ) Tj ET Q q 0 0 0 rg BT 549.79 135.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 123.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 99.24 123.10 Td (of ) Tj ET Q q 0 0 0 rg BT 109.32 123.10 Td (reimbursement ) Tj ET Q q 0 0 0 rg BT 171.05 123.10 Td (made ) Tj ET Q q 0 0 0 rg BT 194.45 123.10 Td (to ) Tj ET Q q 0 0 0 rg BT 203.98 123.10 Td (the ) Tj ET Q q 0 0 0 rg BT 217.94 123.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 240.23 123.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 275.31 123.10 Td (by ) Tj ET Q q 0 0 0 rg BT 287.06 123.10 Td (the ) Tj ET Q q 0 0 0 rg BT 301.02 123.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 325.53 123.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 360.61 123.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.91 123.10 Td ($37.4 ) Tj ET Q q 0 0 0 rg BT 402.15 123.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.04 123.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.29 123.10 Td ($38.8 ) Tj ET Q q 0 0 0 rg BT 459.54 123.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.43 123.10 Td ( ) Tj ET Q q 0 0 0 rg BT 490.18 123.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.37 123.10 Td ($36.4 ) Tj ET Q q 0 0 0 rg BT 530.62 123.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.51 123.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 111.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 115.16 111.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 87.10 Td (Y) Tj ET Q q 0 0 0 rg BT 55.61 87.10 Td (ear) Tj ET Q q 0 0 0 rg BT 69.31 87.10 Td ( ) Tj ET Q q 0 0 0 rg BT 71.81 87.10 Td (ended ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 99.87 87.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 152.93 87.10 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 172.93 87.10 Td ( ) Tj ET Q q 0 0 0 rg BT 175.43 87.10 Td (compar) Tj ET Q q 0 0 0 rg BT 208.02 87.10 Td (ed ) Tj ET Q q 0 0 0 rg BT 220.52 87.10 Td (to ) Tj ET Q q 0 0 0 rg BT 231.35 87.10 Td (the ) Tj ET Q q 0 0 0 rg BT 247.18 87.10 Td (year) Tj ET Q q 0 0 0 rg BT 265.88 87.10 Td ( ) Tj ET Q q 0 0 0 rg BT 268.38 87.10 Td (ended ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 296.44 87.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 349.50 87.10 Td (2017) Tj ET Q BT /F2 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 63.10 Td (Revenues. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.63 63.10 Td (The ) Tj ET Q q 0 0 0 rg BT 111.36 63.10 Td (following ) Tj ET Q q 0 0 0 rg BT 152.43 63.10 Td (table ) Tj ET Q q 0 0 0 rg BT 174.06 63.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 210.68 63.10 Td (an ) Tj ET Q q 0 0 0 rg BT 222.31 63.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 256.71 63.10 Td (of ) Tj ET Q q 0 0 0 rg BT 267.23 63.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 289.96 63.10 Td (net ) Tj ET Q q 0 0 0 rg BT 304.36 63.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 325.99 63.10 Td (by ) Tj ET Q q 0 0 0 rg BT 338.18 63.10 Td (product ) Tj ET Q q 0 0 0 rg BT 370.91 63.10 Td (category ) Tj ET Q q 0 0 0 rg BT 407.52 63.10 Td (in ) Tj ET Q q 0 0 0 rg BT 417.49 63.10 Td (each ) Tj ET Q q 0 0 0 rg BT 437.99 63.10 Td (period, ) Tj ET Q q 0 0 0 rg BT 468.23 63.10 Td (including ) Tj ET Q q 0 0 0 rg BT 508.19 63.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 533.69 63.10 Td (service ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 51.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 93.64 51.10 Td (commissions ) Tj ET Q q 0 0 0 rg BT 148.37 51.10 Td (and ) Tj ET Q q 0 0 0 rg BT 165.31 51.10 Td (service ) Tj ET Q q 0 0 0 rg BT 196.12 51.10 Td (revenues, ) Tj ET Q q 0 0 0 rg BT 236.66 51.10 Td (expressed ) Tj ET Q q 0 0 0 rg BT 278.59 51.10 Td (both ) Tj ET Q q 0 0 0 rg BT 298.87 51.10 Td (in ) Tj ET Q q 0 0 0 rg BT 309.14 51.10 Td (dollar ) Tj ET Q q 0 0 0 rg BT 334.97 51.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 371.36 51.10 Td (and ) Tj ET Q q 0 0 0 rg BT 388.29 51.10 Td (as ) Tj ET Q q 0 0 0 rg BT 399.12 51.10 Td (a ) Tj ET Q q 0 0 0 rg BT 406.06 51.10 Td (percent ) Tj ET Q q 0 0 0 rg BT 437.99 51.10 Td (of ) Tj ET Q q 0 0 0 rg BT 448.82 51.10 Td (total ) Tj ET Q q 0 0 0 rg BT 469.09 51.10 Td (net ) Tj ET Q q 0 0 0 rg BT 483.81 51.10 Td (sales:) Tj ET Q endstream endobj 81 0 obj <>] /Rotate 0 /Contents 82 0 R>> endobj 82 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (39) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 718.50 127.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 177.00 718.50 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.00 718.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.00 718.50 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.00 718.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 718.50 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.00 718.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 718.50 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 718.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 718.50 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.00 718.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.00 718.50 45.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 718.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 718.50 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 688.50 127.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 177.00 688.50 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.00 688.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.00 688.50 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.00 688.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 688.50 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.00 688.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 688.50 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 688.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 688.50 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.00 688.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.00 688.50 45.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 688.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 688.50 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 658.50 127.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 177.00 658.50 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.00 658.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.00 658.50 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.00 658.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 658.50 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.00 658.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 658.50 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 658.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 658.50 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.00 658.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.00 658.50 45.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 658.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 658.50 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 628.50 127.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 177.00 628.50 52.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.00 628.50 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.00 628.50 52.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.00 628.50 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 628.50 52.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.00 628.50 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 628.50 52.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 628.50 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 628.50 52.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.00 628.50 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.00 628.50 45.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 628.50 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 628.50 56.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 592.50 127.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 177.00 592.50 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.00 592.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.00 592.50 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.00 592.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 592.50 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.00 592.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 592.50 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 592.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 592.50 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.00 592.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.00 592.50 45.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 592.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 592.50 56.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177 733.5 m 229 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229 733.5 m 233 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 733.5 m 285 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285 733.5 m 289 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 733.5 m 341 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341 733.5 m 345 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345 733.5 m 397 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177 718.5 m 229 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 718.5 m 285 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 718.5 m 341 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345 718.5 m 397 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 718.5 m 453 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457 718.5 m 502 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 718.5 m 562 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177 718.5 m 229 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 718.5 m 285 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 718.5 m 341 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345 718.5 m 397 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 718.5 m 453 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457 718.5 m 502 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 718.5 m 562 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177 643.5 m 229 643.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 643.5 m 285 643.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 643.5 m 341 643.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345 643.5 m 397 643.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 643.5 m 453 643.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177 643.5 m 229 643.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 643.5 m 285 643.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 643.5 m 341 643.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345 643.5 m 397 643.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177 592.5 m 229 592.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177 578.5 m 229 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177 576.5 m 229 576.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 592.5 m 285 592.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 578.5 m 285 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 576.5 m 285 576.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 592.5 m 341 592.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 578.5 m 341 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 576.5 m 341 576.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345 592.5 m 397 592.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345 578.5 m 397 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345 576.5 m 397 576.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 592.5 m 453 592.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 578.5 m 453 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 576.5 m 453 576.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 738.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 234.90 738.18 Td (Y) Tj ET Q q 0 0 0 rg BT 241.57 738.18 Td (ear) Tj ET Q q 0 0 0 rg BT 254.80 738.18 Td ( Ended January 31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 474.00 738.18 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 509.25 738.18 Td (Same Stor) Tj ET Q q 0 0 0 rg BT 553.32 738.18 Td (e) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 723.21 Td (\(dollars in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 192.50 723.18 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 235.95 723.18 Td (% of ) Tj ET Q q 0 0 0 rg BT 259.19 723.18 Td (T) Tj ET Q q 0 0 0 rg BT 265.31 723.18 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 304.50 723.18 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 347.95 723.18 Td (% of ) Tj ET Q q 0 0 0 rg BT 371.19 723.18 Td (T) Tj ET Q q 0 0 0 rg BT 377.31 723.18 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 410.10 723.18 Td (Change) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 462.60 723.18 Td (Change) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 510.85 723.18 Td (% Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 708.17 Td (Furniture and mattress) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.50 708.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.60 708.17 Td (393,853) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.65 708.17 Td (33.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.15 708.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.50 708.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.60 708.17 Td (421,055) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.65 708.17 Td (32.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.15 708.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.50 708.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.30 708.22 Td (\(27,202) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 708.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.95 708.17 Td (\(6.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.80 708.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.95 708.17 Td (\(10.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 708.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 693.17 Td (Home appliance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.60 693.17 Td (337,538) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.65 693.17 Td (28.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.60 693.17 Td (358,771) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.65 693.17 Td (27.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.30 693.22 Td (\(21,233) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 693.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.95 693.17 Td (\(5.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.80 693.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.95 693.17 Td (\(7.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 693.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 678.17 Td (Consumer electronic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.60 678.17 Td (248,727) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.65 678.17 Td (20.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.60 678.17 Td (293,685) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.65 678.17 Td (22.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.30 678.22 Td (\(44,958) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 678.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.95 678.17 Td (\(15.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.80 678.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.95 678.17 Td (\(15.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 678.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 663.17 Td (Home of) Tj ET Q q 0 0 0 rg BT 87.68 663.17 Td (fice) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.65 663.17 Td (80,330) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.65 663.17 Td (6.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.65 663.17 Td (92,404) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 663.17 Td (7.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.30 663.22 Td (\(12,074) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 663.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.95 663.17 Td (\(13.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.80 663.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.95 663.17 Td (\(12.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 663.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 648.17 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.65 648.17 Td (17,426) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.65 648.17 Td (1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.65 648.17 Td (20,282) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 648.17 Td (1.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.30 648.22 Td (\(2,856) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 648.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.95 648.17 Td (\(14.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.80 648.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.95 648.17 Td (\(15.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 648.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 633.17 Td (Product sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.10 633.17 Td (1,077,874) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.65 633.17 Td (90.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.10 633.17 Td (1,186,197) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.65 633.17 Td (90.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.30 633.22 Td (\(108,323) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 633.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.95 633.17 Td (\(9.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.80 633.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.95 633.17 Td (\(1) Tj ET Q q 0 0 0 rg BT 537.28 633.17 Td (1.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 633.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 619.07 Td (Repair service agreement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.50 609.12 Td (commissions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.60 612.17 Td (100,383) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.65 612.17 Td (8.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.60 612.17 Td (1) Tj ET Q q 0 0 0 rg BT 309.60 612.17 Td (13,615) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 612.17 Td (8.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.30 612.22 Td (\(13,232) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 612.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.95 612.17 Td (\(1) Tj ET Q q 0 0 0 rg BT 477.28 612.17 Td (1.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.80 612.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.95 612.17 Td (\(13.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 612.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 597.17 Td (Service revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.65 597.17 Td (13,710) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.65 597.17 Td (1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.65 597.17 Td (14,659) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 597.17 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.80 597.22 Td (\(949) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 597.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.95 597.17 Td (\(6.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.80 597.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.50 597.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 582.17 Td (T) Tj ET Q q 0 0 0 rg BT 63.91 582.17 Td (otal net sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.50 582.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.10 582.17 Td (1,191,967) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.65 582.17 Td (100.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.15 582.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.50 582.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.10 582.17 Td (1,314,471) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.65 582.17 Td (100.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.15 582.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.50 582.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.30 582.22 Td (\(122,504) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 582.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.95 582.17 Td (\(9.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.80 582.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.95 582.17 Td (\(1) Tj ET Q q 0 0 0 rg BT 537.28 582.17 Td (1.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.80 582.17 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.50 578.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 560.00 Td (Sales ) Tj ET Q q 0 0 0 rg BT 77.89 560.00 Td (for ) Tj ET Q q 0 0 0 rg BT 92.33 560.00 Td (the ) Tj ET Q q 0 0 0 rg BT 107.33 560.00 Td (year ) Tj ET Q q 0 0 0 rg BT 127.33 560.00 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.99 560.00 Td (January31, ) Tj ET Q q 0 0 0 rg BT 202.87 560.00 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.87 560.00 Td ( ) Tj ET Q q 0 0 0 rg BT 225.65 560.00 Td (were ) Tj ET Q q 0 0 0 rg BT 247.86 560.00 Td (negatively ) Tj ET Q q 0 0 0 rg BT 292.30 560.00 Td (impacted ) Tj ET Q q 0 0 0 rg BT 331.73 560.00 Td (by ) Tj ET Q q 0 0 0 rg BT 344.51 560.00 Td (tightened ) Tj ET Q q 0 0 0 rg BT 384.51 560.00 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 438.95 560.00 Td (standards, ) Tj ET Q q 0 0 0 rg BT 482.00 560.00 Td (the ) Tj ET Q q 0 0 0 rg BT 497.00 560.00 Td (transition ) Tj ET Q q 0 0 0 rg BT 537.55 560.00 Td (of ) Tj ET Q q 0 0 0 rg BT 548.67 560.00 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 548.00 Td (lease-to-own ) Tj ET Q q 0 0 0 rg BT 108.35 548.00 Td (partner ) Tj ET Q q 0 0 0 rg BT 139.36 548.00 Td (and ) Tj ET Q q 0 0 0 rg BT 156.50 548.00 Td (general ) Tj ET Q q 0 0 0 rg BT 188.63 548.00 Td (consumer ) Tj ET Q q 0 0 0 rg BT 230.21 548.00 Td (softness ) Tj ET Q q 0 0 0 rg BT 265.13 548.00 Td (along ) Tj ET Q q 0 0 0 rg BT 290.05 548.00 Td (the ) Tj ET Q q 0 0 0 rg BT 304.97 548.00 Td (Mexico ) Tj ET Q q 0 0 0 rg BT 338.22 548.00 Td (border) Tj ET Q q 0 0 0 rg BT 363.76 548.00 Td (. ) Tj ET Q q 0 0 0 rg BT 368.97 548.00 Td ( ) Tj ET Q q 0 0 0 rg BT 371.47 548.00 Td (The ) Tj ET Q q 0 0 0 rg BT 389.72 548.00 Td (following ) Tj ET Q q 0 0 0 rg BT 431.31 548.00 Td (provides ) Tj ET Q q 0 0 0 rg BT 468.45 548.00 Td (a ) Tj ET Q q 0 0 0 rg BT 475.59 548.00 Td (summary ) Tj ET Q q 0 0 0 rg BT 515.51 548.00 Td (of ) Tj ET Q q 0 0 0 rg BT 526.54 548.00 Td (the ) Tj ET Q q 0 0 0 rg BT 541.46 548.00 Td (same ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 536.00 Td (store ) Tj ET Q q 0 0 0 rg BT 75.94 536.00 Td (sales ) Tj ET Q q 0 0 0 rg BT 97.88 536.00 Td (performance ) Tj ET Q q 0 0 0 rg BT 150.90 536.00 Td (of ) Tj ET Q q 0 0 0 rg BT 161.73 536.00 Td (our ) Tj ET Q q 0 0 0 rg BT 177.56 536.00 Td (product ) Tj ET Q q 0 0 0 rg BT 210.61 536.00 Td (categories ) Tj ET Q q 0 0 0 rg BT 253.64 536.00 Td (during ) Tj ET Q q 0 0 0 rg BT 282.25 536.00 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 306.40 536.00 Td (year ) Tj ET Q q 0 0 0 rg BT 326.11 536.00 Td (2018 ) Tj ET Q q 0 0 0 rg BT 348.61 536.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 390.53 536.00 Td (to ) Tj ET Q q 0 0 0 rg BT 400.81 536.00 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 424.97 536.00 Td (year ) Tj ET Q q 0 0 0 rg BT 444.67 536.00 Td (2017:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 518.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 518.00 Td (Furniture ) Tj ET Q q 0 0 0 rg BT 125.22 518.00 Td (unit ) Tj ET Q q 0 0 0 rg BT 143.27 518.00 Td (volume ) Tj ET Q q 0 0 0 rg BT 175.77 518.00 Td (decreased ) Tj ET Q q 0 0 0 rg BT 217.68 518.00 Td (19.2%, ) Tj ET Q q 0 0 0 rg BT 248.51 518.00 Td (partially ) Tj ET Q q 0 0 0 rg BT 284.33 518.00 Td (of) Tj ET Q q 0 0 0 rg BT 292.48 518.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 309.42 518.00 Td (by ) Tj ET Q q 0 0 0 rg BT 321.92 518.00 Td (a ) Tj ET Q q 0 0 0 rg BT 328.86 518.00 Td (1) Tj ET Q q 0 0 0 rg BT 333.49 518.00 Td (1.1% ) Tj ET Q q 0 0 0 rg BT 356.82 518.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 392.07 518.00 Td (in ) Tj ET Q q 0 0 0 rg BT 402.35 518.00 Td (average ) Tj ET Q q 0 0 0 rg BT 435.93 518.00 Td (selling ) Tj ET Q q 0 0 0 rg BT 465.10 518.00 Td (price; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 500.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 500.00 Td (Mattress ) Tj ET Q q 0 0 0 rg BT 122.44 500.00 Td (unit ) Tj ET Q q 0 0 0 rg BT 140.50 500.00 Td (volume ) Tj ET Q q 0 0 0 rg BT 172.99 500.00 Td (decreased ) Tj ET Q q 0 0 0 rg BT 214.90 500.00 Td (17.7%, ) Tj ET Q q 0 0 0 rg BT 245.73 500.00 Td (partially ) Tj ET Q q 0 0 0 rg BT 281.55 500.00 Td (of) Tj ET Q q 0 0 0 rg BT 289.70 500.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 306.64 500.00 Td (by ) Tj ET Q q 0 0 0 rg BT 319.14 500.00 Td (a ) Tj ET Q q 0 0 0 rg BT 326.08 500.00 Td (9.2% ) Tj ET Q q 0 0 0 rg BT 349.41 500.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 384.67 500.00 Td (in ) Tj ET Q q 0 0 0 rg BT 394.94 500.00 Td (average ) Tj ET Q q 0 0 0 rg BT 428.53 500.00 Td (selling ) Tj ET Q q 0 0 0 rg BT 457.69 500.00 Td (price;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 482.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 482.00 Td (Home ) Tj ET Q q 0 0 0 rg BT 112.44 482.00 Td (appliance ) Tj ET Q q 0 0 0 rg BT 153.25 482.00 Td (unit ) Tj ET Q q 0 0 0 rg BT 171.31 482.00 Td (volume ) Tj ET Q q 0 0 0 rg BT 203.80 482.00 Td (decreased ) Tj ET Q q 0 0 0 rg BT 245.71 482.00 Td (7.0% ) Tj ET Q q 0 0 0 rg BT 269.04 482.00 Td (and ) Tj ET Q q 0 0 0 rg BT 285.98 482.00 Td (average ) Tj ET Q q 0 0 0 rg BT 319.57 482.00 Td (selling ) Tj ET Q q 0 0 0 rg BT 348.73 482.00 Td (price ) Tj ET Q q 0 0 0 rg BT 371.22 482.00 Td (decreased ) Tj ET Q q 0 0 0 rg BT 413.13 482.00 Td (by ) Tj ET Q q 0 0 0 rg BT 425.63 482.00 Td (0.7%; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 464.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 464.00 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 129.11 464.00 Td (electronic ) Tj ET Q q 0 0 0 rg BT 171.03 464.00 Td (unit ) Tj ET Q q 0 0 0 rg BT 189.08 464.00 Td (volume ) Tj ET Q q 0 0 0 rg BT 221.58 464.00 Td (decreased ) Tj ET Q q 0 0 0 rg BT 263.49 464.00 Td (15.5% ) Tj ET Q q 0 0 0 rg BT 291.82 464.00 Td (and ) Tj ET Q q 0 0 0 rg BT 308.76 464.00 Td (average ) Tj ET Q q 0 0 0 rg BT 342.35 464.00 Td (selling ) Tj ET Q q 0 0 0 rg BT 371.51 464.00 Td (price ) Tj ET Q q 0 0 0 rg BT 394.00 464.00 Td (was ) Tj ET Q q 0 0 0 rg BT 412.05 464.00 Td (flat; ) Tj ET Q q 0 0 0 rg BT 430.65 464.00 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 446.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 446.00 Td (Home ) Tj ET Q q 0 0 0 rg BT 112.44 446.00 Td (of) Tj ET Q q 0 0 0 rg BT 120.59 446.00 Td (fice ) Tj ET Q q 0 0 0 rg BT 138.07 446.00 Td (unit ) Tj ET Q q 0 0 0 rg BT 156.13 446.00 Td (volume ) Tj ET Q q 0 0 0 rg BT 188.63 446.00 Td (decreased ) Tj ET Q q 0 0 0 rg BT 230.54 446.00 Td (14.7%, ) Tj ET Q q 0 0 0 rg BT 261.37 446.00 Td (partially ) Tj ET Q q 0 0 0 rg BT 297.19 446.00 Td (of) Tj ET Q q 0 0 0 rg BT 305.34 446.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 322.28 446.00 Td (by ) Tj ET Q q 0 0 0 rg BT 334.78 446.00 Td (a ) Tj ET Q q 0 0 0 rg BT 341.72 446.00 Td (2.8% ) Tj ET Q q 0 0 0 rg BT 365.05 446.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 400.30 446.00 Td (in ) Tj ET Q q 0 0 0 rg BT 410.58 446.00 Td (average ) Tj ET Q q 0 0 0 rg BT 444.16 446.00 Td (selling ) Tj ET Q q 0 0 0 rg BT 473.33 446.00 Td (price.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 428.00 Td (The ) Tj ET Q q 0 0 0 rg BT 72.05 428.00 Td (following ) Tj ET Q q 0 0 0 rg BT 113.43 428.00 Td (table ) Tj ET Q q 0 0 0 rg BT 135.37 428.00 Td (provides ) Tj ET Q q 0 0 0 rg BT 172.31 428.00 Td (the ) Tj ET Q q 0 0 0 rg BT 187.02 428.00 Td (change ) Tj ET Q q 0 0 0 rg BT 217.84 428.00 Td (of ) Tj ET Q q 0 0 0 rg BT 228.67 428.00 Td (the ) Tj ET Q q 0 0 0 rg BT 243.38 428.00 Td (components ) Tj ET Q q 0 0 0 rg BT 294.21 428.00 Td (of ) Tj ET Q q 0 0 0 rg BT 305.04 428.00 Td (finance ) Tj ET Q q 0 0 0 rg BT 336.96 428.00 Td (char) Tj ET Q q 0 0 0 rg BT 353.99 428.00 Td (ges ) Tj ET Q q 0 0 0 rg BT 369.82 428.00 Td (and ) Tj ET Q q 0 0 0 rg BT 386.76 428.00 Td (other ) Tj ET Q q 0 0 0 rg BT 409.81 428.00 Td (revenues:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 381.50 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 381.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 381.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 381.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 381.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 381.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 351.50 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 351.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 351.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 351.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 351.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 351.50 65.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 396.5 m 424 396.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 396.5 m 428 396.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 396.5 m 493 396.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 381.5 m 424 381.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 381.5 m 493 381.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 381.5 m 562 381.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 336.5 m 424 336.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 336.5 m 493 336.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 336.5 m 562 336.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 322.5 m 424 322.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 320.5 m 424 320.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 322.5 m 493 322.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 320.5 m 493 320.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 322.5 m 562 322.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 320.5 m 562 320.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 401.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 375.00 401.18 Td (Y) Tj ET Q q 0 0 0 rg BT 381.67 401.18 Td (ear) Tj ET Q q 0 0 0 rg BT 394.90 401.18 Td ( ended January 31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 401.17 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 386.21 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.00 386.18 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.00 386.18 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 512.60 386.18 Td (Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 371.17 Td (Interest income and fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 371.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 371.17 Td (289,005) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 371.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.65 371.17 Td (238,386) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 371.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 371.17 Td (50,619) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 356.17 Td (Insurance income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 356.17 Td (34,718) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 356.17 Td (42,422) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 356.22 Td (\(7,704) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 356.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 341.17 Td (Other revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.15 341.17 Td (341) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 341.17 Td (1,569) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 341.22 Td (\(1,228) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 341.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 326.17 Td (Finance char) Tj ET Q q 0 0 0 rg BT 109.68 326.17 Td (ges and other revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 326.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 326.17 Td (324,064) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 326.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.65 326.17 Td (282,377) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 326.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 326.17 Td (41,687) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 304.00 Td (The ) Tj ET Q q 0 0 0 rg BT 67.24 304.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 102.19 304.00 Td (in ) Tj ET Q q 0 0 0 rg BT 112.17 304.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 143.80 304.00 Td (income ) Tj ET Q q 0 0 0 rg BT 175.43 304.00 Td (and ) Tj ET Q q 0 0 0 rg BT 192.06 304.00 Td (fees ) Tj ET Q q 0 0 0 rg BT 210.36 304.00 Td (was ) Tj ET Q q 0 0 0 rg BT 228.11 304.00 Td (due ) Tj ET Q q 0 0 0 rg BT 244.74 304.00 Td (to ) Tj ET Q q 0 0 0 rg BT 254.71 304.00 Td (an ) Tj ET Q q 0 0 0 rg BT 266.35 304.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 301.30 304.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.83 304.00 Td (390) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.83 304.00 Td ( ) Tj ET Q q 0 0 0 rg BT 329.02 304.00 Td (basis ) Tj ET Q q 0 0 0 rg BT 351.22 304.00 Td (points ) Tj ET Q q 0 0 0 rg BT 377.86 304.00 Td (in ) Tj ET Q q 0 0 0 rg BT 387.84 304.00 Td (the ) Tj ET Q q 0 0 0 rg BT 402.25 304.00 Td (yield ) Tj ET Q q 0 0 0 rg BT 424.44 304.00 Td (rate, ) Tj ET Q q 0 0 0 rg BT 444.12 304.00 Td (which ) Tj ET Q q 0 0 0 rg BT 470.76 304.00 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.51 304.00 Td (19.3%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.34 304.00 Td ( ) Tj ET Q q 0 0 0 rg BT 516.53 304.00 Td (for ) Tj ET Q q 0 0 0 rg BT 530.39 304.00 Td (the ) Tj ET Q q 0 0 0 rg BT 544.80 304.00 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 292.00 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.11 292.00 Td (January31, ) Tj ET Q q 0 0 0 rg BT 122.95 292.00 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.95 292.00 Td ( ) Tj ET Q q 0 0 0 rg BT 144.69 292.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 185.85 292.00 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.36 292.00 Td (15.4%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.19 292.00 Td ( ) Tj ET Q q 0 0 0 rg BT 222.93 292.00 Td (for ) Tj ET Q q 0 0 0 rg BT 236.33 292.00 Td (the ) Tj ET Q q 0 0 0 rg BT 250.28 292.00 Td (year ) Tj ET Q q 0 0 0 rg BT 269.23 292.00 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.84 292.00 Td (January31, ) Tj ET Q q 0 0 0 rg BT 342.68 292.00 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.68 292.00 Td (, ) Tj ET Q q 0 0 0 rg BT 366.92 292.00 Td (partially ) Tj ET Q q 0 0 0 rg BT 401.97 292.00 Td (of) Tj ET Q q 0 0 0 rg BT 410.12 292.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 426.30 292.00 Td (by ) Tj ET Q q 0 0 0 rg BT 438.04 292.00 Td (a ) Tj ET Q q 0 0 0 rg BT 444.21 292.00 Td (decline ) Tj ET Q q 0 0 0 rg BT 474.82 292.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.89 292.00 Td (3.3%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.72 292.00 Td ( ) Tj ET Q q 0 0 0 rg BT 507.46 292.00 Td (in ) Tj ET Q q 0 0 0 rg BT 516.97 292.00 Td (the ) Tj ET Q q 0 0 0 rg BT 530.92 292.00 Td (average ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 280.00 Td (balance ) Tj ET Q q 0 0 0 rg BT 82.51 280.00 Td (of ) Tj ET Q q 0 0 0 rg BT 93.32 280.00 Td (the ) Tj ET Q q 0 0 0 rg BT 108.02 280.00 Td (customer ) Tj ET Q q 0 0 0 rg BT 147.16 280.00 Td (receivable ) Tj ET Q q 0 0 0 rg BT 190.72 280.00 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 230.69 280.00 Td (Interest ) Tj ET Q q 0 0 0 rg BT 263.16 280.00 Td (income ) Tj ET Q q 0 0 0 rg BT 295.07 280.00 Td (and ) Tj ET Q q 0 0 0 rg BT 311.99 280.00 Td (fees ) Tj ET Q q 0 0 0 rg BT 330.57 280.00 Td (for ) Tj ET Q q 0 0 0 rg BT 344.71 280.00 Td (the ) Tj ET Q q 0 0 0 rg BT 359.41 280.00 Td (year ) Tj ET Q q 0 0 0 rg BT 379.09 280.00 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.45 280.00 Td (January31, ) Tj ET Q q 0 0 0 rg BT 454.03 280.00 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.03 280.00 Td ( ) Tj ET Q q 0 0 0 rg BT 476.51 280.00 Td (included ) Tj ET Q q 0 0 0 rg BT 513.43 280.00 Td (the ) Tj ET Q q 0 0 0 rg BT 528.12 280.00 Td (negative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 268.00 Td (impact ) Tj ET Q q 0 0 0 rg BT 78.86 268.00 Td (of ) Tj ET Q q 0 0 0 rg BT 89.33 268.00 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 139.25 268.00 Td (of ) Tj ET Q q 0 0 0 rg BT 149.73 268.00 Td ($8.2 ) Tj ET Q q 0 0 0 rg BT 169.38 268.00 Td (million ) Tj ET Q q 0 0 0 rg BT 200.41 268.00 Td (as ) Tj ET Q q 0 0 0 rg BT 210.89 268.00 Td (a ) Tj ET Q q 0 0 0 rg BT 217.47 268.00 Td (result ) Tj ET Q q 0 0 0 rg BT 241.84 268.00 Td (of ) Tj ET Q q 0 0 0 rg BT 252.31 268.00 Td (changes ) Tj ET Q q 0 0 0 rg BT 286.67 268.00 Td (in ) Tj ET Q q 0 0 0 rg BT 296.59 268.00 Td (estimates ) Tj ET Q q 0 0 0 rg BT 335.95 268.00 Td (for ) Tj ET Q q 0 0 0 rg BT 349.75 268.00 Td (allowances ) Tj ET Q q 0 0 0 rg BT 396.32 268.00 Td (for ) Tj ET Q q 0 0 0 rg BT 410.13 268.00 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 455.04 268.00 Td (option ) Tj ET Q q 0 0 0 rg BT 482.74 268.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 507.65 268.00 Td (programs ) Tj ET Q q 0 0 0 rg BT 547.57 268.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 256.00 Td (deferred ) Tj ET Q q 0 0 0 rg BT 85.88 256.00 Td (interest. ) Tj ET Q q 0 0 0 rg BT 120.90 256.00 Td ( ) Tj ET Q q 0 0 0 rg BT 123.98 256.00 Td (Excluding ) Tj ET Q q 0 0 0 rg BT 168.16 256.00 Td (the ) Tj ET Q q 0 0 0 rg BT 183.45 256.00 Td (impact ) Tj ET Q q 0 0 0 rg BT 213.74 256.00 Td (of ) Tj ET Q q 0 0 0 rg BT 225.15 256.00 Td (changes ) Tj ET Q q 0 0 0 rg BT 260.44 256.00 Td (in ) Tj ET Q q 0 0 0 rg BT 271.29 256.00 Td (estimates, ) Tj ET Q q 0 0 0 rg BT 314.08 256.00 Td (the ) Tj ET Q q 0 0 0 rg BT 329.38 256.00 Td (yield ) Tj ET Q q 0 0 0 rg BT 352.45 256.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 370.52 256.00 Td (increased ) Tj ET Q q 0 0 0 rg BT 411.35 256.00 Td (330 ) Tj ET Q q 0 0 0 rg BT 429.43 256.00 Td (basis ) Tj ET Q q 0 0 0 rg BT 452.51 256.00 Td (points ) Tj ET Q q 0 0 0 rg BT 480.03 256.00 Td (from ) Tj ET Q q 0 0 0 rg BT 502.55 256.00 Td (the ) Tj ET Q q 0 0 0 rg BT 517.85 256.00 Td (year ) Tj ET Q q 0 0 0 rg BT 538.13 256.00 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 244.00 Td (January31, ) Tj ET Q q 0 0 0 rg BT 99.22 244.00 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.22 244.00 Td ( ) Tj ET Q q 0 0 0 rg BT 122.84 244.00 Td (to ) Tj ET Q q 0 0 0 rg BT 134.24 244.00 Td (the ) Tj ET Q q 0 0 0 rg BT 150.07 244.00 Td (year ) Tj ET Q q 0 0 0 rg BT 170.90 244.00 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.40 244.00 Td (January31, ) Tj ET Q q 0 0 0 rg BT 248.11 244.00 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.11 244.00 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.23 244.00 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 316.72 244.00 Td (income ) Tj ET Q q 0 0 0 rg BT 349.77 244.00 Td (is ) Tj ET Q q 0 0 0 rg BT 360.06 244.00 Td (comprised ) Tj ET Q q 0 0 0 rg BT 405.34 244.00 Td (of ) Tj ET Q q 0 0 0 rg BT 417.29 244.00 Td (sales ) Tj ET Q q 0 0 0 rg BT 440.35 244.00 Td (commissions ) Tj ET Q q 0 0 0 rg BT 496.19 244.00 Td (from ) Tj ET Q q 0 0 0 rg BT 519.25 244.00 Td (third-party ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 232.00 Td (insurance ) Tj ET Q q 0 0 0 rg BT 90.82 232.00 Td (companies ) Tj ET Q q 0 0 0 rg BT 136.58 232.00 Td (that ) Tj ET Q q 0 0 0 rg BT 154.58 232.00 Td (are ) Tj ET Q q 0 0 0 rg BT 169.79 232.00 Td (recognized ) Tj ET Q q 0 0 0 rg BT 216.65 232.00 Td (when ) Tj ET Q q 0 0 0 rg BT 241.32 232.00 Td (coverage ) Tj ET Q q 0 0 0 rg BT 280.40 232.00 Td (is ) Tj ET Q q 0 0 0 rg BT 290.07 232.00 Td (sold ) Tj ET Q q 0 0 0 rg BT 309.75 232.00 Td (and ) Tj ET Q q 0 0 0 rg BT 327.19 232.00 Td (retrospective ) Tj ET Q q 0 0 0 rg BT 381.83 232.00 Td (commissions ) Tj ET Q q 0 0 0 rg BT 437.06 232.00 Td (paid ) Tj ET Q q 0 0 0 rg BT 457.28 232.00 Td (by ) Tj ET Q q 0 0 0 rg BT 470.28 232.00 Td (the ) Tj ET Q q 0 0 0 rg BT 485.50 232.00 Td (insurance ) Tj ET Q q 0 0 0 rg BT 526.81 232.00 Td (carrier ) Tj ET Q q 0 0 0 rg BT 555.90 232.00 Td (if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 220.00 Td (insurance ) Tj ET Q q 0 0 0 rg BT 91.13 220.00 Td (claims ) Tj ET Q q 0 0 0 rg BT 120.55 220.00 Td (are ) Tj ET Q q 0 0 0 rg BT 136.07 220.00 Td (less ) Tj ET Q q 0 0 0 rg BT 154.39 220.00 Td (than ) Tj ET Q q 0 0 0 rg BT 174.92 220.00 Td (earned ) Tj ET Q q 0 0 0 rg BT 204.88 220.00 Td (premiums.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.38 220.00 Td ( ) Tj ET Q q 0 0 0 rg BT 250.69 220.00 Td ( ) Tj ET Q q 0 0 0 rg BT 254.01 220.00 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 296.19 220.00 Td (income ) Tj ET Q q 0 0 0 rg BT 328.94 220.00 Td (decreased ) Tj ET Q q 0 0 0 rg BT 371.67 220.00 Td (over ) Tj ET Q q 0 0 0 rg BT 392.75 220.00 Td (the ) Tj ET Q q 0 0 0 rg BT 408.28 220.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 431.04 220.00 Td (year ) Tj ET Q q 0 0 0 rg BT 451.56 220.00 Td (period ) Tj ET Q q 0 0 0 rg BT 480.42 220.00 Td (primarily ) Tj ET Q q 0 0 0 rg BT 520.95 220.00 Td (due ) Tj ET Q q 0 0 0 rg BT 538.70 220.00 Td (to ) Tj ET Q q 0 0 0 rg BT 549.80 220.00 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 208.00 Td (decrease ) Tj ET Q q 0 0 0 rg BT 87.12 208.00 Td (in ) Tj ET Q q 0 0 0 rg BT 98.10 208.00 Td (retrospective ) Tj ET Q q 0 0 0 rg BT 152.94 208.00 Td (commissions ) Tj ET Q q 0 0 0 rg BT 208.37 208.00 Td (as ) Tj ET Q q 0 0 0 rg BT 219.91 208.00 Td (a ) Tj ET Q q 0 0 0 rg BT 227.55 208.00 Td (result ) Tj ET Q q 0 0 0 rg BT 252.97 208.00 Td (of ) Tj ET Q q 0 0 0 rg BT 264.50 208.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 293.25 208.00 Td (claim ) Tj ET Q q 0 0 0 rg BT 318.67 208.00 Td (volumes ) Tj ET Q q 0 0 0 rg BT 355.75 208.00 Td (related ) Tj ET Q q 0 0 0 rg BT 386.16 208.00 Td (to ) Tj ET Q q 0 0 0 rg BT 397.14 208.00 Td (Hurricane ) Tj ET Q q 0 0 0 rg BT 440.32 208.00 Td (Harvey) Tj ET Q q 0 0 0 rg BT 469.10 208.00 Td (, ) Tj ET Q q 0 0 0 rg BT 474.80 208.00 Td (a ) Tj ET Q q 0 0 0 rg BT 482.44 208.00 Td (decrease ) Tj ET Q q 0 0 0 rg BT 520.06 208.00 Td (in ) Tj ET Q q 0 0 0 rg BT 531.04 208.00 Td (sales ) Tj ET Q q 0 0 0 rg BT 553.68 208.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 196.00 Td (insurance ) Tj ET Q q 0 0 0 rg BT 90.32 196.00 Td (products ) Tj ET Q q 0 0 0 rg BT 127.25 196.00 Td (and ) Tj ET Q q 0 0 0 rg BT 144.19 196.00 Td (a ) Tj ET Q q 0 0 0 rg BT 151.13 196.00 Td (reduction ) Tj ET Q q 0 0 0 rg BT 191.39 196.00 Td (in ) Tj ET Q q 0 0 0 rg BT 201.67 196.00 Td (premium ) Tj ET Q q 0 0 0 rg BT 240.28 196.00 Td (rates ) Tj ET Q q 0 0 0 rg BT 261.65 196.00 Td (in ) Tj ET Q q 0 0 0 rg BT 271.93 196.00 Td (certain ) Tj ET Q q 0 0 0 rg BT 301.63 196.00 Td (states.) Tj ET Q endstream endobj 83 0 obj <>] /Rotate 0 /Contents 84 0 R>> endobj 84 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.55 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 108.93 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 130.87 742.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 167.81 742.10 Td (key ) Tj ET Q q 0 0 0 rg BT 184.74 742.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 222.24 742.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 275.26 742.10 Td (information:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 695.60 378.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 695.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 695.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 695.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 665.60 378.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 665.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 665.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 665.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 635.60 378.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 635.60 65.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 635.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 635.60 65.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 602.60 378.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 602.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 602.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 602.60 65.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 710.6 m 493 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 710.6 m 497 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 710.6 m 562 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 695.6 m 493 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 695.6 m 562 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 695.6 m 493 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 695.6 m 562 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 650.6 m 493 650.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 650.6 m 562 650.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 650.6 m 493 650.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 636.6 m 493 636.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 634.6 m 493 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 650.6 m 562 650.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 636.6 m 562 636.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 634.6 m 562 634.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 715.27 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 444.00 715.28 Td (Y) Tj ET Q q 0 0 0 rg BT 450.67 715.28 Td (ear) Tj ET Q q 0 0 0 rg BT 463.90 715.28 Td ( ended January 31,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 700.31 Td (\(dollars in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.00 700.28 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 519.00 700.28 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 685.27 Td (Interest income and fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 685.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.65 685.27 Td (289,005) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 685.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.65 685.27 Td (238,386) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 670.27 Td (Net char) Tj ET Q q 0 0 0 rg BT 86.56 670.27 Td (ge-of) Tj ET Q q 0 0 0 rg BT 107.47 670.27 Td (fs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.30 670.32 Td (\(226,798) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 670.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.30 670.32 Td (\(224,169) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 670.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 655.27 Td (Interest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.30 655.32 Td (\(80,160) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 655.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.30 655.32 Td (\(98,615) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 655.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 640.27 Td (Net portfolio total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 640.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.30 640.32 Td (\(17,953) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 640.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 640.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.30 640.32 Td (\(84,398) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 640.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 622.27 Td (A) Tj ET Q q 0 0 0 rg BT 59.35 622.27 Td (verage portfolio balance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 622.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.10 622.27 Td (1,500,700) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 622.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.10 622.27 Td (1,552,475) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 607.27 Td (Interest income and fee yield) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 607.27 Td (19.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 607.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 607.27 Td (15.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 607.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 592.27 Td (Net char) Tj ET Q q 0 0 0 rg BT 86.46 592.27 Td (ge-of) Tj ET Q q 0 0 0 rg BT 107.38 592.27 Td (f percentage) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 592.27 Td (15.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 592.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 592.27 Td (14.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 592.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 570.10 Td (Cost ) Tj ET Q q 0 0 0 rg BT 70.34 570.10 Td (of ) Tj ET Q q 0 0 0 rg BT 81.17 570.10 Td (Goods ) Tj ET Q q 0 0 0 rg BT 109.78 570.10 Td (and ) Tj ET Q q 0 0 0 rg BT 127.84 570.10 Td (Retail ) Tj ET Q q 0 0 0 rg BT 154.79 570.10 Td (Gross ) Tj ET Q q 0 0 0 rg BT 181.18 570.10 Td (Margin) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 523.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 523.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 523.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 523.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 523.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 523.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 493.60 309.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 493.60 65.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 493.60 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 493.60 65.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 493.60 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 493.60 65.00 -17.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 538.6 m 424 538.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 538.6 m 428 538.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 538.6 m 493 538.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 538.6 m 493 538.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 523.6 m 493 523.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 523.6 m 424 523.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 523.6 m 428 523.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 523.6 m 493 523.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 523.6 m 562 523.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 493.6 m 424 493.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 493.6 m 493 493.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 477.6 m 493 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 475.6 m 493 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 493.6 m 562 493.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 477.6 m 562 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 475.6 m 562 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 475.6 m 424 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 477.6 m 424 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 475.6 m 493 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 477.6 m 493 477.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 543.27 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 375.00 543.28 Td (Y) Tj ET Q q 0 0 0 rg BT 381.67 543.28 Td (ear) Tj ET Q q 0 0 0 rg BT 394.90 543.28 Td ( ended January 31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 543.27 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 528.31 Td (\(dollars in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.00 528.28 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.00 528.28 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 512.60 528.28 Td (Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 513.27 Td (Retail total net sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 513.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.10 513.27 Td (1,191,967) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 513.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.10 513.27 Td (1,314,471) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 513.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.30 513.32 Td (\(122,504) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 513.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 498.27 Td (Cost of goods sold) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 498.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.65 498.27 Td (720,344) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 498.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.65 498.27 Td (823,082) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 498.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.30 498.32 Td (\(102,738) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 498.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 481.27 Td (Retail gross mar) Tj ET Q q 0 0 0 rg BT 117.95 481.27 Td (gin) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 481.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.65 481.27 Td (471,623) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 481.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.65 481.27 Td (491,389) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 481.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.30 481.32 Td (\(19,766) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 481.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 464.27 Td (Retail gross mar) Tj ET Q q 0 0 0 rg BT 117.86 464.27 Td (gin percentage) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 464.27 Td (39.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.15 464.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 464.27 Td (37.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 464.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.50 464.27 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 442.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.39 442.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 102.49 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 112.61 442.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 135.50 442.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 158.95 442.10 Td (mar) Tj ET Q q 0 0 0 rg BT 174.32 442.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 189.44 442.10 Td (was ) Tj ET Q q 0 0 0 rg BT 207.34 442.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 235.23 442.10 Td (by ) Tj ET Q q 0 0 0 rg BT 247.57 442.10 Td (improved ) Tj ET Q q 0 0 0 rg BT 288.24 442.10 Td (product ) Tj ET Q q 0 0 0 rg BT 321.13 442.10 Td (mar) Tj ET Q q 0 0 0 rg BT 336.50 442.10 Td (gins ) Tj ET Q q 0 0 0 rg BT 355.51 442.10 Td (across ) Tj ET Q q 0 0 0 rg BT 382.84 442.10 Td (all ) Tj ET Q q 0 0 0 rg BT 395.18 442.10 Td (product ) Tj ET Q q 0 0 0 rg BT 428.07 442.10 Td (categories, ) Tj ET Q q 0 0 0 rg BT 473.45 442.10 Td (favorable ) Tj ET Q q 0 0 0 rg BT 513.55 442.10 Td (product ) Tj ET Q q 0 0 0 rg BT 546.44 442.10 Td (mix ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.44 430.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 91.71 430.10 Td (warehouse, ) Tj ET Q q 0 0 0 rg BT 139.47 430.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 174.73 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 191.67 430.10 Td (transportation ) Tj ET Q q 0 0 0 rg BT 249.71 430.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 288.31 430.10 Td (as ) Tj ET Q q 0 0 0 rg BT 299.14 430.10 Td (a ) Tj ET Q q 0 0 0 rg BT 306.08 430.10 Td (result ) Tj ET Q q 0 0 0 rg BT 330.79 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 341.62 430.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 381.88 430.10 Td (ef) Tj ET Q q 0 0 0 rg BT 389.47 430.10 Td (ficiencies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.28 430.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 406.10 Td (Selling, ) Tj ET Q q 0 0 0 rg BT 83.40 406.10 Td (General ) Tj ET Q q 0 0 0 rg BT 119.23 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 136.92 406.10 Td (Administrative ) Tj ET Q q 0 0 0 rg BT 199.98 406.10 Td (Expense) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 359.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 359.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 359.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 359.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 359.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 359.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 329.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 329.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 329.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 329.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 329.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 329.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 299.60 309.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 299.60 65.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 299.60 4.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 299.60 65.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 299.60 4.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 299.60 65.00 -19.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 374.6 m 424 374.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 374.6 m 428 374.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 374.6 m 493 374.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 359.6 m 424 359.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 359.6 m 493 359.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 359.6 m 562 359.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 314.6 m 424 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 300.6 m 424 300.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 298.6 m 424 298.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 314.6 m 493 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 300.6 m 493 300.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 298.6 m 493 298.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 314.6 m 562 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 300.6 m 562 300.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 298.6 m 562 298.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 379.27 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 375.00 379.28 Td (Y) Tj ET Q q 0 0 0 rg BT 381.67 379.28 Td (ear) Tj ET Q q 0 0 0 rg BT 394.90 379.28 Td ( ended January 31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 379.27 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 364.31 Td (\(dollars in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.00 364.28 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.00 364.28 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 512.60 364.28 Td (Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 349.27 Td (Selling, general and administrative expense:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 334.27 Td (Retail segment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 334.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.65 334.27 Td (316,325) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 334.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.65 334.27 Td (326,078) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 334.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 334.32 Td (\(9,753) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 334.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 319.27 Td (Credit segment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.65 319.27 Td (134,088) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.65 319.27 Td (134,818) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 319.32 Td (\(730) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 319.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 304.27 Td (Selling, general and administrative expense - consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 304.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.65 304.27 Td (450,413) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 304.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.65 304.27 Td (460,896) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 304.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.30 304.32 Td (\(10,483) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 304.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 285.27 Td (As a percent of total revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 285.27 Td (29.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.15 285.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 285.27 Td (28.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 285.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.50 285.27 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 263.10 Td ( ) Tj ET Q q 0 0 0 rg BT 51.82 263.10 Td (The SG&A) Tj ET Q q 0 0 0 rg BT 97.10 263.10 Td ( decrease in the retail segment of $9.8 million was primarily due to a decrease in compensation costs and a decrease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 251.10 Td (in advertising expense, partially of) Tj ET Q q 0 0 0 rg BT 187.89 251.10 Td (fset by an increase in the corporate overhead allocation, an increase in occupancy costs due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 239.10 Td (to additional stores opened in fiscal year 2018 and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.55 239.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.05 239.10 Td ($1.7 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.95 239.10 Td ( of expenses incurred, net of estimated insurance proceeds, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 227.10 Td (related to Hurricane Harvey) Tj ET Q q 0 0 0 rg BT 160.74 227.10 Td (. ) Tj ET Q q 0 0 0 rg BT 168.05 227.10 Td (The decrease in retail revenue resulted in an increase of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.94 227.10 Td (170) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.94 227.10 Td ( basis points in SG&A) Tj ET Q q 0 0 0 rg BT 497.40 227.10 Td ( as a percent of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 215.10 Td (retail segment revenues for the year ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.37 215.10 Td (January31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.96 215.10 Td ( as compared to the year ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.30 215.10 Td (January31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.90 215.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 197.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.49 197.10 Td (SG&A) Tj ET Q q 0 0 0 rg BT 94.73 197.10 Td ( ) Tj ET Q q 0 0 0 rg BT 97.17 197.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 134.04 197.10 Td (in ) Tj ET Q q 0 0 0 rg BT 144.26 197.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.93 197.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 184.14 197.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 219.91 197.10 Td (of ) Tj ET Q q 0 0 0 rg BT 230.69 197.10 Td ($0.7 ) Tj ET Q q 0 0 0 rg BT 250.64 197.10 Td (million ) Tj ET Q q 0 0 0 rg BT 281.98 197.10 Td (was ) Tj ET Q q 0 0 0 rg BT 299.98 197.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 339.63 197.10 Td (due ) Tj ET Q q 0 0 0 rg BT 356.52 197.10 Td (to ) Tj ET Q q 0 0 0 rg BT 366.75 197.10 Td (a ) Tj ET Q q 0 0 0 rg BT 373.63 197.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 410.50 197.10 Td (in ) Tj ET Q q 0 0 0 rg BT 420.72 197.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 478.71 197.10 Td (costs, ) Tj ET Q q 0 0 0 rg BT 503.66 197.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 539.43 197.10 Td (of) Tj ET Q q 0 0 0 rg BT 547.58 197.10 Td (fset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 185.10 Td (by ) Tj ET Q q 0 0 0 rg BT 61.97 185.10 Td (an ) Tj ET Q q 0 0 0 rg BT 73.88 185.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 109.10 185.10 Td (in ) Tj ET Q q 0 0 0 rg BT 119.35 185.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 164.58 185.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 186.49 185.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 208.96 185.10 Td (related ) Tj ET Q q 0 0 0 rg BT 238.63 185.10 Td (to ) Tj ET Q q 0 0 0 rg BT 248.88 185.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 290.77 185.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 329.34 185.10 Td (and ) Tj ET Q q 0 0 0 rg BT 346.25 185.10 Td (an ) Tj ET Q q 0 0 0 rg BT 358.16 185.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 393.38 185.10 Td (in ) Tj ET Q q 0 0 0 rg BT 403.63 185.10 Td (the ) Tj ET Q q 0 0 0 rg BT 418.32 185.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 458.54 185.10 Td (overhead ) Tj ET Q q 0 0 0 rg BT 497.66 185.10 Td (allocation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.58 185.10 Td ( ) Tj ET Q q 0 0 0 rg BT 542.05 185.10 Td ( ) Tj ET Q q 0 0 0 rg BT 543.98 185.10 Td (As ) Tj ET Q q 0 0 0 rg BT 557.56 185.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 173.10 Td (percent ) Tj ET Q q 0 0 0 rg BT 82.04 173.10 Td (of ) Tj ET Q q 0 0 0 rg BT 93.49 173.10 Td (average ) Tj ET Q q 0 0 0 rg BT 127.69 173.10 Td (total ) Tj ET Q q 0 0 0 rg BT 148.58 173.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 188.35 173.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 226.46 173.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 260.11 173.10 Td (\(annualized\), ) Tj ET Q q 0 0 0 rg BT 315.70 173.10 Td (SG&A) Tj ET Q q 0 0 0 rg BT 342.93 173.10 Td ( ) Tj ET Q q 0 0 0 rg BT 346.05 173.10 Td (for ) Tj ET Q q 0 0 0 rg BT 360.82 173.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.16 173.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 402.04 173.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 438.48 173.10 Td (for ) Tj ET Q q 0 0 0 rg BT 453.26 173.10 Td (the ) Tj ET Q q 0 0 0 rg BT 468.59 173.10 Td (year ) Tj ET Q q 0 0 0 rg BT 488.91 173.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.91 173.10 Td (January31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 161.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 161.10 Td ( ) Tj ET Q q 0 0 0 rg BT 72.00 161.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 112.25 161.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.75 161.10 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.75 161.10 Td ( ) Tj ET Q q 0 0 0 rg BT 137.25 161.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 159.75 161.10 Td (points ) Tj ET Q q 0 0 0 rg BT 186.70 161.10 Td (as ) Tj ET Q q 0 0 0 rg BT 197.53 161.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 239.46 161.10 Td (to ) Tj ET Q q 0 0 0 rg BT 249.73 161.10 Td (the ) Tj ET Q q 0 0 0 rg BT 264.45 161.10 Td (year ) Tj ET Q q 0 0 0 rg BT 284.16 161.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.54 161.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 359.13 161.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.13 161.10 Td (. ) Tj ET Q q 0 0 0 rg BT 384.13 161.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 143.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.26 143.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 104.24 143.10 Td (in ) Tj ET Q q 0 0 0 rg BT 115.23 143.10 Td (the ) Tj ET Q q 0 0 0 rg BT 130.67 143.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 171.64 143.10 Td (overhead ) Tj ET Q q 0 0 0 rg BT 211.50 143.10 Td (allocation ) Tj ET Q q 0 0 0 rg BT 254.15 143.10 Td (made ) Tj ET Q q 0 0 0 rg BT 279.02 143.10 Td (to ) Tj ET Q q 0 0 0 rg BT 290.02 143.10 Td (each ) Tj ET Q q 0 0 0 rg BT 311.55 143.10 Td (of ) Tj ET Q q 0 0 0 rg BT 323.10 143.10 Td (the ) Tj ET Q q 0 0 0 rg BT 338.53 143.10 Td (segments ) Tj ET Q q 0 0 0 rg BT 378.97 143.10 Td (was ) Tj ET Q q 0 0 0 rg BT 397.74 143.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 426.50 143.10 Td (by ) Tj ET Q q 0 0 0 rg BT 439.72 143.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 490.71 143.10 Td (we ) Tj ET Q q 0 0 0 rg BT 505.59 143.10 Td (are ) Tj ET Q q 0 0 0 rg BT 521.01 143.10 Td (making ) Tj ET Q q 0 0 0 rg BT 554.23 143.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 131.10 Td (information ) Tj ET Q q 0 0 0 rg BT 99.83 131.10 Td (technology) Tj ET Q q 0 0 0 rg BT 143.61 131.10 Td (, ) Tj ET Q q 0 0 0 rg BT 149.22 131.10 Td (other ) Tj ET Q q 0 0 0 rg BT 172.89 131.10 Td (personnel ) Tj ET Q q 0 0 0 rg BT 214.88 131.10 Td (to ) Tj ET Q q 0 0 0 rg BT 225.77 131.10 Td (support ) Tj ET Q q 0 0 0 rg BT 258.88 131.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 301.43 131.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 355.07 131.10 Td (improvement ) Tj ET Q q 0 0 0 rg BT 411.50 131.10 Td (initiatives ) Tj ET Q q 0 0 0 rg BT 454.06 131.10 Td (and ) Tj ET Q q 0 0 0 rg BT 471.61 131.10 Td (an ) Tj ET Q q 0 0 0 rg BT 484.16 131.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 520.03 131.10 Td (in ) Tj ET Q q 0 0 0 rg BT 530.92 131.10 Td (accrued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 119.10 Td (incentive ) Tj ET Q q 0 0 0 rg BT 88.65 119.10 Td (compensation.) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 85 0 obj <>] /Rotate 0 /Contents 86 0 R>> endobj 86 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (41) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 742.25 Td (Provision ) Tj ET Q q 0 0 0 rg BT 91.45 742.25 Td (for ) Tj ET Q q 0 0 0 rg BT 106.17 742.25 Td (Bad ) Tj ET Q q 0 0 0 rg BT 125.34 742.25 Td (Debts) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 697.75 308.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.00 697.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 697.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 697.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 697.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 697.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 667.75 308.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.00 667.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 667.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 667.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 667.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 667.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 637.75 308.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.00 637.75 66.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 637.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 637.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 637.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 637.75 65.00 -23.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358 711.75 m 424 711.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 711.75 m 428 711.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 711.75 m 493 711.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358 697.75 m 424 697.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 697.75 m 493 697.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 697.75 m 562 697.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358 652.75 m 424 652.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358 638.75 m 424 638.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358 636.75 m 424 636.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 652.75 m 493 652.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 638.75 m 493 638.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 636.75 m 493 636.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 652.75 m 562 652.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 638.75 m 562 638.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 636.75 m 562 636.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 716.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.50 716.43 Td (Y) Tj ET Q q 0 0 0 rg BT 381.17 716.43 Td (ear) Tj ET Q q 0 0 0 rg BT 394.40 716.43 Td ( ended January 31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 716.32 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 702.31 Td (\(dollars in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.50 702.43 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.00 702.43 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 512.60 702.43 Td (Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 687.42 Td (Provision for bad debts:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 672.42 Td (Retail segment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.50 672.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.15 672.42 Td (829) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 672.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.15 672.42 Td (990) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 672.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 672.47 Td (\(161) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 672.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 657.42 Td (Credit segment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.65 657.42 Td (216,046) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.65 657.42 Td (241,304) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.30 657.47 Td (\(25,258) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 657.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 642.42 Td (Provision for bad debts - consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.50 643.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.65 643.32 Td (216,875) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 643.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.65 643.32 Td (242,294) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 643.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.30 643.37 Td (\(25,419) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 643.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 628.32 Td (Provision for bad debts - credit segment, as a percent of average portfolio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.50 618.32 Td (balance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 619.42 Td (14.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.15 619.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 619.42 Td (15.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 619.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.50 619.42 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 597.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.61 597.25 Td (provision ) Tj ET Q q 0 0 0 rg BT 109.95 597.25 Td (for ) Tj ET Q q 0 0 0 rg BT 125.18 597.25 Td (bad ) Tj ET Q q 0 0 0 rg BT 143.18 597.25 Td (debts ) Tj ET Q q 0 0 0 rg BT 167.85 597.25 Td (decreased ) Tj ET Q q 0 0 0 rg BT 210.83 597.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.39 597.25 Td ($25.4 ) Tj ET Q q 0 0 0 rg BT 250.45 597.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.35 597.25 Td ( ) Tj ET Q q 0 0 0 rg BT 282.91 597.25 Td (for ) Tj ET Q q 0 0 0 rg BT 298.13 597.25 Td (the ) Tj ET Q q 0 0 0 rg BT 313.91 597.25 Td (year ) Tj ET Q q 0 0 0 rg BT 334.68 597.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.12 597.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 411.79 597.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.79 597.25 Td ( ) Tj ET Q q 0 0 0 rg BT 435.35 597.25 Td (as ) Tj ET Q q 0 0 0 rg BT 447.24 597.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 490.23 597.25 Td (to ) Tj ET Q q 0 0 0 rg BT 501.57 597.25 Td (the ) Tj ET Q q 0 0 0 rg BT 517.35 597.25 Td (year ) Tj ET Q q 0 0 0 rg BT 538.12 597.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 585.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 98.10 585.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.10 585.25 Td (. ) Tj ET Q q 0 0 0 rg BT 123.10 585.25 Td ( ) Tj ET Q q 0 0 0 rg BT 125.42 585.25 Td (The ) Tj ET Q q 0 0 0 rg BT 143.46 585.25 Td (most ) Tj ET Q q 0 0 0 rg BT 165.41 585.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 210.13 585.25 Td (reasons ) Tj ET Q q 0 0 0 rg BT 242.62 585.25 Td (for ) Tj ET Q q 0 0 0 rg BT 256.78 585.25 Td (this ) Tj ET Q q 0 0 0 rg BT 273.72 585.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 310.64 585.25 Td (were:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 567.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 567.25 Td (a ) Tj ET Q q 0 0 0 rg BT 92.44 567.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 129.35 567.25 Td (in ) Tj ET Q q 0 0 0 rg BT 139.63 567.25 Td (our ) Tj ET Q q 0 0 0 rg BT 155.46 567.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 196.28 567.25 Td (non-TDR ) Tj ET Q q 0 0 0 rg BT 237.11 567.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 255.17 567.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 272.66 567.25 Td (as ) Tj ET Q q 0 0 0 rg BT 283.49 567.25 Td (a ) Tj ET Q q 0 0 0 rg BT 290.43 567.25 Td (result ) Tj ET Q q 0 0 0 rg BT 315.14 567.25 Td (of ) Tj ET Q q 0 0 0 rg BT 325.97 567.25 Td (an ) Tj ET Q q 0 0 0 rg BT 337.91 567.25 Td (improvement ) Tj ET Q q 0 0 0 rg BT 393.73 567.25 Td (in ) Tj ET Q q 0 0 0 rg BT 404.01 567.25 Td (the ) Tj ET Q q 0 0 0 rg BT 418.73 567.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 443.99 567.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 474.26 567.25 Td (of ) Tj ET Q q 0 0 0 rg BT 485.09 567.25 Td (our ) Tj ET Q q 0 0 0 rg BT 500.92 567.25 Td (portfolio; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 552.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 552.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 120.20 552.25 Td (in ) Tj ET Q q 0 0 0 rg BT 130.47 552.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 170.18 552.25 Td (of ) Tj ET Q q 0 0 0 rg BT 181.00 552.25 Td ($5.0 ) Tj ET Q q 0 0 0 rg BT 201.00 552.25 Td (million ) Tj ET Q q 0 0 0 rg BT 232.38 552.25 Td (in ) Tj ET Q q 0 0 0 rg BT 242.66 552.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 266.81 552.25 Td (year ) Tj ET Q q 0 0 0 rg BT 286.51 552.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 309.00 552.25 Td (related ) Tj ET Q q 0 0 0 rg BT 338.70 552.25 Td (to ) Tj ET Q q 0 0 0 rg BT 348.97 552.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 389.78 552.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 411.72 552.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 426.43 552.25 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 470.01 552.25 Td (on ) Tj ET Q q 0 0 0 rg BT 482.50 552.25 Td (previously ) Tj ET Q q 0 0 0 rg BT 527.21 552.25 Td (char) Tj ET Q q 0 0 0 rg BT 544.24 552.25 Td (ged-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 540.25 Td (of) Tj ET Q q 0 0 0 rg BT 93.65 540.25 Td (f ) Tj ET Q q 0 0 0 rg BT 99.48 540.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 136.96 540.25 Td (that ) Tj ET Q q 0 0 0 rg BT 154.46 540.25 Td (resulted ) Tj ET Q q 0 0 0 rg BT 188.62 540.25 Td (in ) Tj ET Q q 0 0 0 rg BT 198.89 540.25 Td (an ) Tj ET Q q 0 0 0 rg BT 210.83 540.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 246.09 540.25 Td (to ) Tj ET Q q 0 0 0 rg BT 256.36 540.25 Td (the ) Tj ET Q q 0 0 0 rg BT 271.08 540.25 Td (provision ) Tj ET Q q 0 0 0 rg BT 311.36 540.25 Td (in ) Tj ET Q q 0 0 0 rg BT 321.64 540.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 345.79 540.25 Td (year ) Tj ET Q q 0 0 0 rg BT 365.50 540.25 Td (2017; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 525.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 525.25 Td (a ) Tj ET Q q 0 0 0 rg BT 92.44 525.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 129.35 525.25 Td (in ) Tj ET Q q 0 0 0 rg BT 139.63 525.25 Td (our ) Tj ET Q q 0 0 0 rg BT 155.46 525.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 196.10 525.25 Td (TDR ) Tj ET Q q 0 0 0 rg BT 218.60 525.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 236.66 525.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 254.15 525.25 Td (as ) Tj ET Q q 0 0 0 rg BT 264.98 525.25 Td (a ) Tj ET Q q 0 0 0 rg BT 271.92 525.25 Td (result ) Tj ET Q q 0 0 0 rg BT 296.63 525.25 Td (of ) Tj ET Q q 0 0 0 rg BT 307.46 525.25 Td (improvements ) Tj ET Q q 0 0 0 rg BT 367.17 525.25 Td (in ) Tj ET Q q 0 0 0 rg BT 377.27 525.25 Td (TDR ) Tj ET Q q 0 0 0 rg BT 399.77 525.25 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 451.14 525.25 Td (rates; ) Tj ET Q q 0 0 0 rg BT 475.30 525.25 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 510.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 510.25 Td (a ) Tj ET Q q 0 0 0 rg BT 92.44 510.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 129.35 510.25 Td (in ) Tj ET Q q 0 0 0 rg BT 139.63 510.25 Td (the ) Tj ET Q q 0 0 0 rg BT 154.35 510.25 Td (average ) Tj ET Q q 0 0 0 rg BT 187.93 510.25 Td (receivable ) Tj ET Q q 0 0 0 rg BT 231.51 510.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 269.01 510.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 302.04 510.25 Td (over ) Tj ET Q q 0 0 0 rg BT 322.31 510.25 Td (the ) Tj ET Q q 0 0 0 rg BT 337.02 510.25 Td (past ) Tj ET Q q 0 0 0 rg BT 355.63 510.25 Td (12 ) Tj ET Q q 0 0 0 rg BT 368.13 510.25 Td (months;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 495.25 Td (partially ) Tj ET Q q 0 0 0 rg BT 121.32 495.25 Td (of) Tj ET Q q 0 0 0 rg BT 129.47 495.25 Td (fset ) Tj ET Q q 0 0 0 rg BT 146.41 495.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 480.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 480.25 Td (an ) Tj ET Q q 0 0 0 rg BT 97.44 480.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 132.69 480.25 Td (in ) Tj ET Q q 0 0 0 rg BT 142.97 480.25 Td (the ) Tj ET Q q 0 0 0 rg BT 157.51 480.25 Td (TDR ) Tj ET Q q 0 0 0 rg BT 180.01 480.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 213.04 480.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.76 480.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 271.35 480.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.35 480.25 Td ( ) Tj ET Q q 0 0 0 rg BT 293.85 480.25 Td (as ) Tj ET Q q 0 0 0 rg BT 304.68 480.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 346.61 480.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.89 480.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 405.49 480.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.49 480.25 Td (; ) Tj ET Q q 0 0 0 rg BT 430.76 480.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 465.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 465.25 Td (an ) Tj ET Q q 0 0 0 rg BT 97.44 465.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 132.69 465.25 Td (in ) Tj ET Q q 0 0 0 rg BT 142.97 465.25 Td (the ) Tj ET Q q 0 0 0 rg BT 157.69 465.25 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 202.39 465.25 Td (reserve ) Tj ET Q q 0 0 0 rg BT 233.76 465.25 Td (related ) Tj ET Q q 0 0 0 rg BT 263.46 465.25 Td (to ) Tj ET Q q 0 0 0 rg BT 273.74 465.25 Td (Hurricane ) Tj ET Q q 0 0 0 rg BT 316.22 465.25 Td (Harvey ) Tj ET Q q 0 0 0 rg BT 348.15 465.25 Td (of ) Tj ET Q q 0 0 0 rg BT 358.98 465.25 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 378.98 465.25 Td (million.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 438.25 Td (Charges ) Tj ET Q q 0 0 0 rg BT 86.45 438.25 Td (and ) Tj ET Q q 0 0 0 rg BT 104.51 438.25 Td (Credits) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 399.75 308.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.00 399.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 399.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 399.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 399.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 399.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 347.75 308.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.00 347.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 347.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 347.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 347.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 347.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 319.75 308.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.00 319.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 319.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 319.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 319.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 319.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 291.75 308.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.00 291.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 291.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 291.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 291.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 291.75 65.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358 413.75 m 424 413.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 413.75 m 428 413.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 413.75 m 493 413.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358 399.75 m 424 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 399.75 m 493 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 399.75 m 562 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358 399.75 m 424 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 399.75 m 493 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358 277.75 m 424 277.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 277.75 m 493 277.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358 277.75 m 424 277.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358 264.75 m 424 264.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358 262.75 m 424 262.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 277.75 m 493 277.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 264.75 m 493 264.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 262.75 m 493 262.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 277.75 m 562 277.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 264.75 m 562 264.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 262.75 m 562 262.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 418.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.50 418.43 Td (Y) Tj ET Q q 0 0 0 rg BT 381.17 418.43 Td (ear) Tj ET Q q 0 0 0 rg BT 394.40 418.43 Td ( ended January 31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 418.32 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 404.31 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.50 404.43 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.00 404.43 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 512.60 404.43 Td (Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 390.32 Td (Store and facility relocation costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.50 390.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 390.32 Td (2,381) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 390.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 390.32 Td (1,089) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 390.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 390.32 Td (1,292) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 372.42 Td (Legal and professional fees and related reserves associated with the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 362.42 Td (exploration of strategic alternatives, securities-related litigation and other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 352.42 Td (legal matters) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 352.42 Td (1,177) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.15 352.42 Td (101) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 352.42 Td (1,076) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 338.32 Td (Indirect tax audit reserve) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 338.32 Td (2,595) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 338.32 Td (1,434) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 338.32 Td (1,161) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 324.32 Td (Executive management transition costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 324.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.15 324.32 Td (234) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 324.37 Td (\(234) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 324.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 310.32 Td (Impairment from disposal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 310.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 310.32 Td (1,986) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 310.37 Td (\(1,986) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 310.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 296.32 Td (Employee severance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 296.32 Td (1,317) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 296.32 Td (1,634) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 296.37 Td (\(317) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 296.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 282.32 Td (W) Tj ET Q q 0 0 0 rg BT 61.54 282.32 Td (rite-of) Tj ET Q q 0 0 0 rg BT 86.34 282.32 Td (f of capitalized software costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 282.32 Td (5,861) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 282.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 282.32 Td (5,861) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.50 268.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 268.32 Td (13,331) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 268.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 268.32 Td (6,478) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 268.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 268.32 Td (6,853) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 246.25 Td (During ) Tj ET Q q 0 0 0 rg BT 79.77 246.25 Td (the ) Tj ET Q q 0 0 0 rg BT 93.92 246.25 Td (year ) Tj ET Q q 0 0 0 rg BT 113.07 246.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.88 246.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 186.92 246.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.92 246.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.36 246.25 Td (we ) Tj ET Q q 0 0 0 rg BT 224.96 246.25 Td (incurred ) Tj ET Q q 0 0 0 rg BT 260.21 246.25 Td (exit ) Tj ET Q q 0 0 0 rg BT 277.15 246.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 299.08 246.25 Td (associated ) Tj ET Q q 0 0 0 rg BT 342.12 246.25 Td (with ) Tj ET Q q 0 0 0 rg BT 361.83 246.25 Td (reducing ) Tj ET Q q 0 0 0 rg BT 398.76 246.25 Td (the ) Tj ET Q q 0 0 0 rg BT 412.91 246.25 Td (square ) Tj ET Q q 0 0 0 rg BT 440.95 246.25 Td (footage ) Tj ET Q q 0 0 0 rg BT 472.87 246.25 Td (of ) Tj ET Q q 0 0 0 rg BT 483.14 246.25 Td (a ) Tj ET Q q 0 0 0 rg BT 489.52 246.25 Td (distribution ) Tj ET Q q 0 0 0 rg BT 537.57 246.25 Td (center ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 234.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.89 234.25 Td (consolidating ) Tj ET Q q 0 0 0 rg BT 123.72 234.25 Td (our ) Tj ET Q q 0 0 0 rg BT 140.00 234.25 Td (corporate ) Tj ET Q q 0 0 0 rg BT 180.70 234.25 Td (headquarters, ) Tj ET Q q 0 0 0 rg BT 237.23 234.25 Td (severance ) Tj ET Q q 0 0 0 rg BT 279.60 234.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 302.55 234.25 Td (related ) Tj ET Q q 0 0 0 rg BT 332.70 234.25 Td (to ) Tj ET Q q 0 0 0 rg BT 343.43 234.25 Td (a ) Tj ET Q q 0 0 0 rg BT 350.81 234.25 Td (change ) Tj ET Q q 0 0 0 rg BT 382.08 234.25 Td (in ) Tj ET Q q 0 0 0 rg BT 392.81 234.25 Td (the ) Tj ET Q q 0 0 0 rg BT 407.97 234.25 Td (executive ) Tj ET Q q 0 0 0 rg BT 449.23 234.25 Td (management ) Tj ET Q q 0 0 0 rg BT 503.27 234.25 Td (team, ) Tj ET Q q 0 0 0 rg BT 528.15 234.25 Td (a ) Tj ET Q q 0 0 0 rg BT 535.54 234.25 Td (char) Tj ET Q q 0 0 0 rg BT 552.57 234.25 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 222.25 Td (related ) Tj ET Q q 0 0 0 rg BT 78.56 222.25 Td (to ) Tj ET Q q 0 0 0 rg BT 88.20 222.25 Td (an ) Tj ET Q q 0 0 0 rg BT 99.50 222.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 134.12 222.25 Td (in ) Tj ET Q q 0 0 0 rg BT 143.76 222.25 Td (our ) Tj ET Q q 0 0 0 rg BT 158.95 222.25 Td (indirect ) Tj ET Q q 0 0 0 rg BT 191.36 222.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 205.43 222.25 Td (audit ) Tj ET Q q 0 0 0 rg BT 227.29 222.25 Td (reserve, ) Tj ET Q q 0 0 0 rg BT 260.52 222.25 Td (a) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.96 222.25 Td ( ) Tj ET Q q 0 0 0 rg BT 266.82 222.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 284.24 222.25 Td (from ) Tj ET Q q 0 0 0 rg BT 305.54 222.25 Td (the ) Tj ET Q q 0 0 0 rg BT 319.62 222.25 Td (write-of) Tj ET Q q 0 0 0 rg BT 351.65 222.25 Td (f ) Tj ET Q q 0 0 0 rg BT 356.84 222.25 Td (of ) Tj ET Q q 0 0 0 rg BT 367.03 222.25 Td (previously ) Tj ET Q q 0 0 0 rg BT 411.11 222.25 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 456.28 222.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 478.14 222.25 Td (for ) Tj ET Q q 0 0 0 rg BT 491.66 222.25 Td (a ) Tj ET Q q 0 0 0 rg BT 497.96 222.25 Td (software ) Tj ET Q q 0 0 0 rg BT 534.25 222.25 Td (project ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 210.25 Td (that ) Tj ET Q q 0 0 0 rg BT 67.07 210.25 Td (was ) Tj ET Q q 0 0 0 rg BT 85.19 210.25 Td (abandoned ) Tj ET Q q 0 0 0 rg BT 131.07 210.25 Td (during ) Tj ET Q q 0 0 0 rg BT 159.75 210.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 183.98 210.25 Td (year ) Tj ET Q q 0 0 0 rg BT 203.76 210.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 226.33 210.25 Td (related ) Tj ET Q q 0 0 0 rg BT 256.10 210.25 Td (to ) Tj ET Q q 0 0 0 rg BT 266.45 210.25 Td (the ) Tj ET Q q 0 0 0 rg BT 281.24 210.25 Td (implementation ) Tj ET Q q 0 0 0 rg BT 346.57 210.25 Td (of ) Tj ET Q q 0 0 0 rg BT 357.47 210.25 Td (a ) Tj ET Q q 0 0 0 rg BT 364.48 210.25 Td (new ) Tj ET Q q 0 0 0 rg BT 383.71 210.25 Td (point ) Tj ET Q q 0 0 0 rg BT 406.84 210.25 Td (of ) Tj ET Q q 0 0 0 rg BT 417.74 210.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 435.86 210.25 Td (system ) Tj ET Q q 0 0 0 rg BT 466.21 210.25 Td (that ) Tj ET Q q 0 0 0 rg BT 483.77 210.25 Td (began ) Tj ET Q q 0 0 0 rg BT 510.22 210.25 Td (in ) Tj ET Q q 0 0 0 rg BT 520.57 210.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 544.80 210.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.85 Td (2013 ) Tj ET Q q 0 0 0 rg BT 71.24 195.85 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.42 195.85 Td (contingency ) Tj ET Q q 0 0 0 rg BT 138.03 195.85 Td (reserves ) Tj ET Q q 0 0 0 rg BT 172.52 195.85 Td (related ) Tj ET Q q 0 0 0 rg BT 201.46 195.85 Td (to ) Tj ET Q q 0 0 0 rg BT 210.98 195.85 Td (legal ) Tj ET Q q 0 0 0 rg BT 232.15 195.85 Td (matters) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 261.58 195.85 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.67 195.85 Td (During ) Tj ET Q q 0 0 0 rg BT 296.74 195.85 Td (the ) Tj ET Q q 0 0 0 rg BT 310.69 195.85 Td (year ) Tj ET Q q 0 0 0 rg BT 329.64 195.85 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.25 195.85 Td (January31, ) Tj ET Q q 0 0 0 rg BT 403.09 195.85 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.09 195.85 Td (, ) Tj ET Q q 0 0 0 rg BT 427.33 195.85 Td (we ) Tj ET Q q 0 0 0 rg BT 440.73 195.85 Td (incurred ) Tj ET Q q 0 0 0 rg BT 475.78 195.85 Td (legal ) Tj ET Q q 0 0 0 rg BT 496.95 195.85 Td (and ) Tj ET Q q 0 0 0 rg BT 513.13 195.85 Td (professional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.85 Td (fees ) Tj ET Q q 0 0 0 rg BT 68.91 183.85 Td (related ) Tj ET Q q 0 0 0 rg BT 99.42 183.85 Td (to ) Tj ET Q q 0 0 0 rg BT 110.51 183.85 Td (the ) Tj ET Q q 0 0 0 rg BT 126.04 183.85 Td (exploration ) Tj ET Q q 0 0 0 rg BT 174.89 183.85 Td (of ) Tj ET Q q 0 0 0 rg BT 186.53 183.85 Td (strategic ) Tj ET Q q 0 0 0 rg BT 223.71 183.85 Td (alternatives ) Tj ET Q q 0 0 0 rg BT 273.11 183.85 Td (and ) Tj ET Q q 0 0 0 rg BT 290.86 183.85 Td (securities-related ) Tj ET Q q 0 0 0 rg BT 362.47 183.85 Td (litigation, ) Tj ET Q q 0 0 0 rg BT 404.39 183.85 Td (costs ) Tj ET Q q 0 0 0 rg BT 427.70 183.85 Td (associated ) Tj ET Q q 0 0 0 rg BT 472.10 183.85 Td (with ) Tj ET Q q 0 0 0 rg BT 493.19 183.85 Td (store ) Tj ET Q q 0 0 0 rg BT 515.94 183.85 Td (and ) Tj ET Q q 0 0 0 rg BT 533.69 183.85 Td (facility ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.85 Td (relocations, ) Tj ET Q q 0 0 0 rg BT 99.49 171.85 Td (a ) Tj ET Q q 0 0 0 rg BT 107.54 171.85 Td (char) Tj ET Q q 0 0 0 rg BT 124.57 171.85 Td (ge ) Tj ET Q q 0 0 0 rg BT 137.62 171.85 Td (related ) Tj ET Q q 0 0 0 rg BT 168.44 171.85 Td (to ) Tj ET Q q 0 0 0 rg BT 179.83 171.85 Td (an ) Tj ET Q q 0 0 0 rg BT 192.89 171.85 Td (increase ) Tj ET Q q 0 0 0 rg BT 229.26 171.85 Td (in ) Tj ET Q q 0 0 0 rg BT 240.65 171.85 Td (our ) Tj ET Q q 0 0 0 rg BT 257.60 171.85 Td (indirect ) Tj ET Q q 0 0 0 rg BT 291.76 171.85 Td (tax ) Tj ET Q q 0 0 0 rg BT 307.59 171.85 Td (audit ) Tj ET Q q 0 0 0 rg BT 331.20 171.85 Td (reserve, ) Tj ET Q q 0 0 0 rg BT 366.18 171.85 Td (transition ) Tj ET Q q 0 0 0 rg BT 407.57 171.85 Td (costs ) Tj ET Q q 0 0 0 rg BT 431.19 171.85 Td (due ) Tj ET Q q 0 0 0 rg BT 449.24 171.85 Td (to ) Tj ET Q q 0 0 0 rg BT 460.64 171.85 Td (changes ) Tj ET Q q 0 0 0 rg BT 496.46 171.85 Td (in ) Tj ET Q q 0 0 0 rg BT 507.85 171.85 Td (the ) Tj ET Q q 0 0 0 rg BT 523.68 171.85 Td (executive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.85 Td (management ) Tj ET Q q 0 0 0 rg BT 102.56 159.85 Td (team, ) Tj ET Q q 0 0 0 rg BT 126.47 159.85 Td (severance ) Tj ET Q q 0 0 0 rg BT 167.85 159.85 Td (costs ) Tj ET Q q 0 0 0 rg BT 189.83 159.85 Td (related ) Tj ET Q q 0 0 0 rg BT 219.00 159.85 Td (to ) Tj ET Q q 0 0 0 rg BT 228.75 159.85 Td (a ) Tj ET Q q 0 0 0 rg BT 235.16 159.85 Td (change ) Tj ET Q q 0 0 0 rg BT 265.45 159.85 Td (in ) Tj ET Q q 0 0 0 rg BT 275.20 159.85 Td (the ) Tj ET Q q 0 0 0 rg BT 289.39 159.85 Td (executive ) Tj ET Q q 0 0 0 rg BT 329.68 159.85 Td (management ) Tj ET Q q 0 0 0 rg BT 382.74 159.85 Td (team, ) Tj ET Q q 0 0 0 rg BT 406.64 159.85 Td (and ) Tj ET Q q 0 0 0 rg BT 423.05 159.85 Td (impairments ) Tj ET Q q 0 0 0 rg BT 475.02 159.85 Td (from ) Tj ET Q q 0 0 0 rg BT 496.43 159.85 Td (disposals, ) Tj ET Q q 0 0 0 rg BT 537.57 159.85 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.85 Td (included ) Tj ET Q q 0 0 0 rg BT 86.93 147.85 Td (the ) Tj ET Q q 0 0 0 rg BT 102.14 147.85 Td (write-of) Tj ET Q q 0 0 0 rg BT 134.16 147.85 Td (f ) Tj ET Q q 0 0 0 rg BT 140.49 147.85 Td (of ) Tj ET Q q 0 0 0 rg BT 151.81 147.85 Td (leasehold ) Tj ET Q q 0 0 0 rg BT 192.57 147.85 Td (improvements ) Tj ET Q q 0 0 0 rg BT 252.77 147.85 Td (for ) Tj ET Q q 0 0 0 rg BT 267.42 147.85 Td (one ) Tj ET Q q 0 0 0 rg BT 284.86 147.85 Td (store ) Tj ET Q q 0 0 0 rg BT 307.29 147.85 Td (we ) Tj ET Q q 0 0 0 rg BT 321.94 147.85 Td (relocated ) Tj ET Q q 0 0 0 rg BT 361.58 147.85 Td (prior ) Tj ET Q q 0 0 0 rg BT 384.01 147.85 Td (to ) Tj ET Q q 0 0 0 rg BT 394.78 147.85 Td (the ) Tj ET Q q 0 0 0 rg BT 409.99 147.85 Td (end ) Tj ET Q q 0 0 0 rg BT 427.42 147.85 Td (of ) Tj ET Q q 0 0 0 rg BT 438.74 147.85 Td (the ) Tj ET Q q 0 0 0 rg BT 453.95 147.85 Td (useful ) Tj ET Q q 0 0 0 rg BT 481.38 147.85 Td (life ) Tj ET Q q 0 0 0 rg BT 497.70 147.85 Td (of ) Tj ET Q q 0 0 0 rg BT 509.03 147.85 Td (the ) Tj ET Q q 0 0 0 rg BT 524.24 147.85 Td (leasehold ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.85 Td (improvements ) Tj ET Q q 0 0 0 rg BT 109.21 135.85 Td (and ) Tj ET Q q 0 0 0 rg BT 126.15 135.85 Td (incurred ) Tj ET Q q 0 0 0 rg BT 161.97 135.85 Td (costs ) Tj ET Q q 0 0 0 rg BT 184.47 135.85 Td (for ) Tj ET Q q 0 0 0 rg BT 198.63 135.85 Td (a ) Tj ET Q q 0 0 0 rg BT 205.56 135.85 Td (terminated ) Tj ET Q q 0 0 0 rg BT 250.82 135.85 Td (store ) Tj ET Q q 0 0 0 rg BT 272.76 135.85 Td (project ) Tj ET Q q 0 0 0 rg BT 303.03 135.85 Td (prior ) Tj ET Q q 0 0 0 rg BT 324.96 135.85 Td (to ) Tj ET Q q 0 0 0 rg BT 335.24 135.85 Td (starting ) Tj ET Q q 0 0 0 rg BT 367.74 135.85 Td (construction. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.85 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 111.85 Td (Interest ) Tj ET Q q 0 0 0 rg BT 83.67 111.85 Td (Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 93.85 Td (Net ) Tj ET Q q 0 0 0 rg BT 65.38 93.85 Td (interest ) Tj ET Q q 0 0 0 rg BT 96.25 93.85 Td (expense ) Tj ET Q q 0 0 0 rg BT 129.89 93.85 Td (for ) Tj ET Q q 0 0 0 rg BT 142.99 93.85 Td (the ) Tj ET Q q 0 0 0 rg BT 156.65 93.85 Td (year ) Tj ET Q q 0 0 0 rg BT 175.29 93.85 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.61 93.85 Td (January31, ) Tj ET Q q 0 0 0 rg BT 248.14 93.85 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.14 93.85 Td ( ) Tj ET Q q 0 0 0 rg BT 269.58 93.85 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.57 93.85 Td ($80.2 ) Tj ET Q q 0 0 0 rg BT 310.51 93.85 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.40 93.85 Td ( ) Tj ET Q q 0 0 0 rg BT 340.84 93.85 Td (compared ) Tj ET Q q 0 0 0 rg BT 381.70 93.85 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.92 93.85 Td ($98.6 ) Tj ET Q q 0 0 0 rg BT 414.85 93.85 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.75 93.85 Td ( ) Tj ET Q q 0 0 0 rg BT 445.18 93.85 Td (for ) Tj ET Q q 0 0 0 rg BT 458.28 93.85 Td (the ) Tj ET Q q 0 0 0 rg BT 471.94 93.85 Td (year ) Tj ET Q q 0 0 0 rg BT 490.58 93.85 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.90 93.85 Td (January31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 81.85 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 81.85 Td (. ) Tj ET Q q 0 0 0 rg BT 74.00 81.85 Td ( ) Tj ET Q q 0 0 0 rg BT 75.86 81.85 Td (The ) Tj ET Q q 0 0 0 rg BT 93.41 81.85 Td (decrease ) Tj ET Q q 0 0 0 rg BT 129.83 81.85 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.16 81.85 Td ($18.4 ) Tj ET Q q 0 0 0 rg BT 164.67 81.85 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.56 81.85 Td ( ) Tj ET Q q 0 0 0 rg BT 195.56 81.85 Td (reflects ) Tj ET Q q 0 0 0 rg BT 226.99 81.85 Td (a ) Tj ET Q q 0 0 0 rg BT 233.43 81.85 Td (lower ) Tj ET Q q 0 0 0 rg BT 258.20 81.85 Td (weighted ) Tj ET Q q 0 0 0 rg BT 296.86 81.85 Td (average ) Tj ET Q q 0 0 0 rg BT 329.95 81.85 Td (cost ) Tj ET Q q 0 0 0 rg BT 348.06 81.85 Td (of ) Tj ET Q q 0 0 0 rg BT 358.39 81.85 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 402.06 81.85 Td (and ) Tj ET Q q 0 0 0 rg BT 418.50 81.85 Td (a ) Tj ET Q q 0 0 0 rg BT 424.94 81.85 Td (lower ) Tj ET Q q 0 0 0 rg BT 449.71 81.85 Td (average ) Tj ET Q q 0 0 0 rg BT 482.80 81.85 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 531.47 81.85 Td (balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 69.85 Td (of ) Tj ET Q q 0 0 0 rg BT 60.33 69.85 Td (debt. ) Tj ET Q q 0 0 0 rg BT 82.55 69.85 Td () Tj ET Q endstream endobj 87 0 obj <>] /Rotate 0 /Contents 88 0 R>> endobj 88 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (42) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 742.25 Td (Loss ) Tj ET Q q 0 0 0 rg BT 70.89 742.25 Td (on ) Tj ET Q q 0 0 0 rg BT 83.95 742.25 Td (Extinguishment ) Tj ET Q q 0 0 0 rg BT 152.59 742.25 Td (of ) Tj ET Q q 0 0 0 rg BT 163.42 742.25 Td (Debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 724.25 Td (During ) Tj ET Q q 0 0 0 rg BT 79.67 724.25 Td (the ) Tj ET Q q 0 0 0 rg BT 93.72 724.25 Td (year ) Tj ET Q q 0 0 0 rg BT 112.76 724.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.47 724.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 186.41 724.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.41 724.25 Td (, ) Tj ET Q q 0 0 0 rg BT 210.75 724.25 Td (we ) Tj ET Q q 0 0 0 rg BT 224.24 724.25 Td (wrote-of) Tj ET Q q 0 0 0 rg BT 258.49 724.25 Td (f ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.66 724.25 Td ($3.3 ) Tj ET Q q 0 0 0 rg BT 282.99 724.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.88 724.25 Td ( ) Tj ET Q q 0 0 0 rg BT 313.72 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 323.88 724.25 Td (debt ) Tj ET Q q 0 0 0 rg BT 342.94 724.25 Td (issuance ) Tj ET Q q 0 0 0 rg BT 378.65 724.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 400.49 724.25 Td (related ) Tj ET Q q 0 0 0 rg BT 429.52 724.25 Td (to ) Tj ET Q q 0 0 0 rg BT 439.14 724.25 Td (an ) Tj ET Q q 0 0 0 rg BT 450.41 724.25 Td (amendment ) Tj ET Q q 0 0 0 rg BT 498.90 724.25 Td (to ) Tj ET Q q 0 0 0 rg BT 508.51 724.25 Td (our ) Tj ET Q q 0 0 0 rg BT 523.68 724.25 Td (revolving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 712.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 75.34 712.25 Td (facility ) Tj ET Q q 0 0 0 rg BT 106.74 712.25 Td (for ) Tj ET Q q 0 0 0 rg BT 121.48 712.25 Td (lenders ) Tj ET Q q 0 0 0 rg BT 153.44 712.25 Td (that ) Tj ET Q q 0 0 0 rg BT 171.51 712.25 Td (did ) Tj ET Q q 0 0 0 rg BT 187.37 712.25 Td (not ) Tj ET Q q 0 0 0 rg BT 203.22 712.25 Td (continue ) Tj ET Q q 0 0 0 rg BT 240.74 712.25 Td (to ) Tj ET Q q 0 0 0 rg BT 251.59 712.25 Td (participate ) Tj ET Q q 0 0 0 rg BT 296.87 712.25 Td (and ) Tj ET Q q 0 0 0 rg BT 314.39 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 329.68 712.25 Td (early ) Tj ET Q q 0 0 0 rg BT 352.74 712.25 Td (retirement ) Tj ET Q q 0 0 0 rg BT 396.91 712.25 Td (of ) Tj ET Q q 0 0 0 rg BT 408.32 712.25 Td (our ) Tj ET Q q 0 0 0 rg BT 424.73 712.25 Td (2015-A) Tj ET Q q 0 0 0 rg BT 454.73 712.25 Td ( ) Tj ET Q q 0 0 0 rg BT 457.81 712.25 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 503.09 712.25 Td (Notes, ) Tj ET Q q 0 0 0 rg BT 532.00 712.25 Td (2016-A) Tj ET Q q 0 0 0 rg BT 562.00 712.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 700.25 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 94.20 700.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 120.03 700.25 Td (and ) Tj ET Q q 0 0 0 rg BT 136.97 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 151.69 700.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 175.30 700.25 Td (\("W) Tj ET Q q 0 0 0 rg BT 191.35 700.25 Td (arehouse ) Tj ET Q q 0 0 0 rg BT 229.38 700.25 Td (Notes"\) ) Tj ET Q q 0 0 0 rg BT 262.63 700.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 290.13 700.25 Td (in ) Tj ET Q q 0 0 0 rg BT 300.40 700.25 Td (connection ) Tj ET Q q 0 0 0 rg BT 346.78 700.25 Td (with ) Tj ET Q q 0 0 0 rg BT 367.05 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 381.59 700.25 Td (W) Tj ET Q q 0 0 0 rg BT 390.23 700.25 Td (arehouse ) Tj ET Q q 0 0 0 rg BT 428.26 700.25 Td (Financing ) Tj ET Q q 0 0 0 rg BT 470.76 700.25 Td (\(defined ) Tj ET Q q 0 0 0 rg BT 506.58 700.25 Td (below\). ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 682.25 Td (Provision ) Tj ET Q q 0 0 0 rg BT 91.45 682.25 Td (\(Benefit\) ) Tj ET Q q 0 0 0 rg BT 130.60 682.25 Td (for ) Tj ET Q q 0 0 0 rg BT 145.33 682.25 Td (Income ) Tj ET Q q 0 0 0 rg BT 178.93 682.25 Td (T) Tj ET Q q 0 0 0 rg BT 184.12 682.25 Td (axes) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 635.75 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 635.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 635.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 635.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 635.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 635.75 65.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 650.75 m 424 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 650.75 m 428 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 650.75 m 493 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 635.75 m 424 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 635.75 m 493 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 635.75 m 562 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 621.75 m 424 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 619.75 m 424 619.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 621.75 m 493 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 619.75 m 493 619.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 621.75 m 562 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 619.75 m 562 619.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.50 655.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 375.00 655.43 Td (Y) Tj ET Q q 0 0 0 rg BT 381.67 655.43 Td (ear) Tj ET Q q 0 0 0 rg BT 394.90 655.43 Td ( ended January 31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 655.42 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 640.46 Td (\(dollars in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.00 640.43 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.00 640.43 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 512.60 640.43 Td (Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 625.42 Td (Provision \(benefit\) for income taxes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 625.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 625.42 Td (25,171) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 625.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.30 625.47 Td (\(8,955) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 625.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 625.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 625.42 Td (34,126) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 608.42 Td (Ef) Tj ET Q q 0 0 0 rg BT 67.76 608.42 Td (fective tax rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 608.42 Td (79.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.15 608.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 608.42 Td (25.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 608.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.50 608.42 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.79 586.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 103.29 586.25 Td (in ) Tj ET Q q 0 0 0 rg BT 113.81 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 128.77 586.25 Td (ef) Tj ET Q q 0 0 0 rg BT 136.36 586.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 166.31 586.25 Td (income ) Tj ET Q q 0 0 0 rg BT 198.48 586.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 213.45 586.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 231.17 586.25 Td (for ) Tj ET Q q 0 0 0 rg BT 245.58 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 260.54 586.25 Td (year ) Tj ET Q q 0 0 0 rg BT 280.49 586.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.11 586.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 355.96 586.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.96 586.25 Td ( ) Tj ET Q q 0 0 0 rg BT 378.70 586.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 420.87 586.25 Td (to ) Tj ET Q q 0 0 0 rg BT 431.39 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 446.35 586.25 Td (year ) Tj ET Q q 0 0 0 rg BT 466.30 586.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 492.92 586.25 Td (January ) Tj ET Q q 0 0 0 rg BT 526.77 586.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 542.01 586.25 Td (2017 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 89.21 574.25 Td (related ) Tj ET Q q 0 0 0 rg BT 118.91 574.25 Td (to: ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 67.50 553.85 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 553.85 Td (Income ) Tj ET Q q 0 0 0 rg BT 118.66 553.85 Td (before ) Tj ET Q q 0 0 0 rg BT 147.37 553.85 Td (taxes ) Tj ET Q q 0 0 0 rg BT 171.10 553.85 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.60 553.85 Td ($31.6 ) Tj ET Q q 0 0 0 rg BT 208.28 553.85 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.17 553.85 Td ( ) Tj ET Q q 0 0 0 rg BT 240.34 553.85 Td (resulting ) Tj ET Q q 0 0 0 rg BT 278.51 553.85 Td (in ) Tj ET Q q 0 0 0 rg BT 289.47 553.85 Td (a ) Tj ET Q q 0 0 0 rg BT 297.08 553.85 Td (provision ) Tj ET Q q 0 0 0 rg BT 338.03 553.85 Td (for ) Tj ET Q q 0 0 0 rg BT 352.87 553.85 Td (incomes ) Tj ET Q q 0 0 0 rg BT 389.37 553.85 Td (taxes ) Tj ET Q q 0 0 0 rg BT 413.09 553.85 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.60 553.85 Td ($1) Tj ET Q q 0 0 0 rg BT 434.23 553.85 Td (1.8 ) Tj ET Q q 0 0 0 rg BT 449.90 553.85 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.79 553.85 Td ( ) Tj ET Q q 0 0 0 rg BT 481.97 553.85 Td (for ) Tj ET Q q 0 0 0 rg BT 496.80 553.85 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 521.63 553.85 Td (year ) Tj ET Q q 0 0 0 rg BT 542.02 553.85 Td (2018 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 541.85 Td (compared ) Tj ET Q q 0 0 0 rg BT 127.73 541.85 Td (to ) Tj ET Q q 0 0 0 rg BT 138.31 541.85 Td (a ) Tj ET Q q 0 0 0 rg BT 145.55 541.85 Td (loss ) Tj ET Q q 0 0 0 rg BT 163.91 541.85 Td (before ) Tj ET Q q 0 0 0 rg BT 192.25 541.85 Td (income ) Tj ET Q q 0 0 0 rg BT 224.49 541.85 Td (taxes ) Tj ET Q q 0 0 0 rg BT 247.84 541.85 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.97 541.85 Td ($34.5 ) Tj ET Q q 0 0 0 rg BT 284.27 541.85 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.17 541.85 Td ( ) Tj ET Q q 0 0 0 rg BT 315.97 541.85 Td (resulting ) Tj ET Q q 0 0 0 rg BT 353.77 541.85 Td (in ) Tj ET Q q 0 0 0 rg BT 364.35 541.85 Td (a ) Tj ET Q q 0 0 0 rg BT 371.59 541.85 Td (tax ) Tj ET Q q 0 0 0 rg BT 386.61 541.85 Td (benefit ) Tj ET Q q 0 0 0 rg BT 417.17 541.85 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.31 541.85 Td ($9.0 ) Tj ET Q q 0 0 0 rg BT 448.61 541.85 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.50 541.85 Td ( ) Tj ET Q q 0 0 0 rg BT 480.30 541.85 Td (for ) Tj ET Q q 0 0 0 rg BT 494.77 541.85 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 519.23 541.85 Td (year ) Tj ET Q q 0 0 0 rg BT 539.24 541.85 Td (2017; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 529.85 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 511.85 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 511.85 Td (Remeasurement ) Tj ET Q q 0 0 0 rg BT 151.50 511.85 Td (of ) Tj ET Q q 0 0 0 rg BT 161.41 511.85 Td (deferred ) Tj ET Q q 0 0 0 rg BT 196.30 511.85 Td (tax ) Tj ET Q q 0 0 0 rg BT 210.10 511.85 Td (assets ) Tj ET Q q 0 0 0 rg BT 235.01 511.85 Td (and ) Tj ET Q q 0 0 0 rg BT 251.03 511.85 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 289.82 511.85 Td (in ) Tj ET Q q 0 0 0 rg BT 299.18 511.85 Td (connection ) Tj ET Q q 0 0 0 rg BT 344.64 511.85 Td (with ) Tj ET Q q 0 0 0 rg BT 364.00 511.85 Td (the ) Tj ET Q q 0 0 0 rg BT 377.68 511.85 Td (T) Tj ET Q q 0 0 0 rg BT 383.09 511.85 Td (ax ) Tj ET Q q 0 0 0 rg BT 393.76 511.85 Td (Act ) Tj ET Q q 0 0 0 rg BT 409.78 511.85 Td (resulting ) Tj ET Q q 0 0 0 rg BT 446.36 511.85 Td (in ) Tj ET Q q 0 0 0 rg BT 455.72 511.85 Td (an ) Tj ET Q q 0 0 0 rg BT 466.73 511.85 Td (increase ) Tj ET Q q 0 0 0 rg BT 501.07 511.85 Td (to ) Tj ET Q q 0 0 0 rg BT 510.43 511.85 Td (the ) Tj ET Q q 0 0 0 rg BT 524.23 511.85 Td (provision ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 499.85 Td (for ) Tj ET Q q 0 0 0 rg BT 99.66 499.85 Td (income ) Tj ET Q q 0 0 0 rg BT 131.59 499.85 Td (taxes ) Tj ET Q q 0 0 0 rg BT 154.64 499.85 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.47 499.85 Td ($13.4 ) Tj ET Q q 0 0 0 rg BT 190.47 499.85 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.36 499.85 Td ( ) Tj ET Q q 0 0 0 rg BT 221.86 499.85 Td (for ) Tj ET Q q 0 0 0 rg BT 236.02 499.85 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 260.18 499.85 Td (year ) Tj ET Q q 0 0 0 rg BT 279.88 499.85 Td (2018.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 481.85 Td (Y) Tj ET Q q 0 0 0 rg BT 55.61 481.85 Td (ear) Tj ET Q q 0 0 0 rg BT 69.31 481.85 Td ( ) Tj ET Q q 0 0 0 rg BT 71.81 481.85 Td (ended ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 99.87 481.85 Td (January31, ) Tj ET Q q 0 0 0 rg BT 152.93 481.85 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 172.93 481.85 Td ( ) Tj ET Q q 0 0 0 rg BT 175.43 481.85 Td (compar) Tj ET Q q 0 0 0 rg BT 208.02 481.85 Td (ed ) Tj ET Q q 0 0 0 rg BT 220.52 481.85 Td (to ) Tj ET Q q 0 0 0 rg BT 231.35 481.85 Td (the ) Tj ET Q q 0 0 0 rg BT 247.18 481.85 Td (year) Tj ET Q q 0 0 0 rg BT 265.88 481.85 Td ( ) Tj ET Q q 0 0 0 rg BT 268.38 481.85 Td (ended ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 296.44 481.85 Td (January31, ) Tj ET Q q 0 0 0 rg BT 349.50 481.85 Td (2016) Tj ET Q BT /F2 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 463.85 Td (Revenues. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.63 463.85 Td (The ) Tj ET Q q 0 0 0 rg BT 111.36 463.85 Td (following ) Tj ET Q q 0 0 0 rg BT 152.43 463.85 Td (table ) Tj ET Q q 0 0 0 rg BT 174.06 463.85 Td (provides ) Tj ET Q q 0 0 0 rg BT 210.68 463.85 Td (an ) Tj ET Q q 0 0 0 rg BT 222.31 463.85 Td (analysis ) Tj ET Q q 0 0 0 rg BT 256.71 463.85 Td (of ) Tj ET Q q 0 0 0 rg BT 267.23 463.85 Td (retail ) Tj ET Q q 0 0 0 rg BT 289.96 463.85 Td (net ) Tj ET Q q 0 0 0 rg BT 304.36 463.85 Td (sales ) Tj ET Q q 0 0 0 rg BT 325.99 463.85 Td (by ) Tj ET Q q 0 0 0 rg BT 338.18 463.85 Td (product ) Tj ET Q q 0 0 0 rg BT 370.91 463.85 Td (category ) Tj ET Q q 0 0 0 rg BT 407.52 463.85 Td (in ) Tj ET Q q 0 0 0 rg BT 417.49 463.85 Td (each ) Tj ET Q q 0 0 0 rg BT 437.99 463.85 Td (period, ) Tj ET Q q 0 0 0 rg BT 468.23 463.85 Td (including ) Tj ET Q q 0 0 0 rg BT 508.19 463.85 Td (repair ) Tj ET Q q 0 0 0 rg BT 533.69 463.85 Td (service ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 451.85 Td (agreement ) Tj ET Q q 0 0 0 rg BT 93.64 451.85 Td (commissions ) Tj ET Q q 0 0 0 rg BT 148.37 451.85 Td (and ) Tj ET Q q 0 0 0 rg BT 165.31 451.85 Td (service ) Tj ET Q q 0 0 0 rg BT 196.12 451.85 Td (revenues, ) Tj ET Q q 0 0 0 rg BT 236.66 451.85 Td (expressed ) Tj ET Q q 0 0 0 rg BT 278.59 451.85 Td (both ) Tj ET Q q 0 0 0 rg BT 298.87 451.85 Td (in ) Tj ET Q q 0 0 0 rg BT 309.14 451.85 Td (dollar ) Tj ET Q q 0 0 0 rg BT 334.97 451.85 Td (amounts ) Tj ET Q q 0 0 0 rg BT 371.36 451.85 Td (and ) Tj ET Q q 0 0 0 rg BT 388.29 451.85 Td (as ) Tj ET Q q 0 0 0 rg BT 399.12 451.85 Td (a ) Tj ET Q q 0 0 0 rg BT 406.06 451.85 Td (percent ) Tj ET Q q 0 0 0 rg BT 437.99 451.85 Td (of ) Tj ET Q q 0 0 0 rg BT 448.82 451.85 Td (total ) Tj ET Q q 0 0 0 rg BT 469.09 451.85 Td (net ) Tj ET Q q 0 0 0 rg BT 483.81 451.85 Td (sales: ) Tj ET Q q 0 0 0 rg BT 508.52 451.85 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 405.35 127.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 176.25 405.35 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.25 405.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.25 405.35 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.25 405.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.25 405.35 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.25 405.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.25 405.35 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.25 405.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.25 405.35 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.25 405.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.25 405.35 45.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 405.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.25 405.35 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 375.35 127.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 176.25 375.35 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.25 375.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.25 375.35 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.25 375.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.25 375.35 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.25 375.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.25 375.35 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.25 375.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.25 375.35 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.25 375.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.25 375.35 45.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 375.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.25 375.35 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 345.35 127.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 176.25 345.35 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.25 345.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.25 345.35 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.25 345.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.25 345.35 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.25 345.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.25 345.35 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.25 345.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.25 345.35 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.25 345.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.25 345.35 45.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 345.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.25 345.35 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 315.35 127.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 176.25 315.35 52.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.25 315.35 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.25 315.35 52.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.25 315.35 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.25 315.35 52.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.25 315.35 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.25 315.35 52.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.25 315.35 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.25 315.35 52.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.25 315.35 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.25 315.35 45.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 315.35 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.25 315.35 56.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 275.35 127.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 176.25 275.35 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.25 275.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.25 275.35 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.25 275.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.25 275.35 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.25 275.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.25 275.35 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.25 275.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.25 275.35 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.25 275.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.25 275.35 45.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 275.35 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.25 275.35 56.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.25 420.35 m 228.25 420.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.25 420.35 m 232.25 420.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.25 420.35 m 284.25 420.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.25 420.35 m 288.25 420.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.25 420.35 m 340.25 420.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.25 420.35 m 344.25 420.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.25 420.35 m 396.25 420.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.25 405.35 m 228.25 405.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.25 405.35 m 284.25 405.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.25 405.35 m 340.25 405.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.25 405.35 m 396.25 405.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.25 405.35 m 452.25 405.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.25 405.35 m 501.25 405.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.25 405.35 m 561.25 405.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.25 405.35 m 228.25 405.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.25 405.35 m 284.25 405.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.25 405.35 m 340.25 405.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.25 405.35 m 561.25 405.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.25 330.35 m 228.25 330.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.25 330.35 m 284.25 330.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.25 330.35 m 340.25 330.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.25 330.35 m 396.25 330.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.25 330.35 m 452.25 330.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.25 275.35 m 228.25 275.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.25 275.35 m 340.25 275.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.25 275.35 m 228.25 275.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.25 261.35 m 228.25 261.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.25 259.35 m 228.25 259.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.25 275.35 m 284.25 275.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.25 261.35 m 284.25 261.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.25 259.35 m 284.25 259.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.25 275.35 m 340.25 275.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.25 261.35 m 340.25 261.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.25 259.35 m 340.25 259.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.25 275.35 m 396.25 275.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.25 261.35 m 396.25 261.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.25 259.35 m 396.25 259.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.25 275.35 m 452.25 275.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.25 261.35 m 452.25 261.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.25 259.35 m 452.25 259.35 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 425.02 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 235.25 425.03 Td (Y) Tj ET Q q 0 0 0 rg BT 241.92 425.03 Td (ear) Tj ET Q q 0 0 0 rg BT 255.15 425.03 Td ( ended January 31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.75 425.02 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.25 425.03 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 509.35 425.03 Td (Same stor) Tj ET Q q 0 0 0 rg BT 551.75 425.03 Td (e) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 51.75 410.06 Td (\(dollars in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 191.75 410.03 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 235.20 410.03 Td (% of ) Tj ET Q q 0 0 0 rg BT 258.44 410.03 Td (T) Tj ET Q q 0 0 0 rg BT 264.56 410.03 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.75 410.03 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 347.20 410.03 Td (% of ) Tj ET Q q 0 0 0 rg BT 370.44 410.03 Td (T) Tj ET Q q 0 0 0 rg BT 376.56 410.03 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 409.35 410.03 Td (Change) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.85 410.03 Td (Change) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 511.50 410.03 Td (% change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 395.02 Td (Furniture and mattress) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.75 395.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.85 395.02 Td (421,055) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.90 395.02 Td (32.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.40 395.02 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.75 395.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.85 395.02 Td (409,788) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.90 395.02 Td (31.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.40 395.02 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.75 395.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.90 395.02 Td (1) Tj ET Q q 0 0 0 rg BT 425.90 395.02 Td (1,267) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.55 395.02 Td (2.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.40 395.02 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.20 395.02 Td (\(4.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.05 395.02 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 380.02 Td (Home appliance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.85 380.02 Td (358,771) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.90 380.02 Td (27.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.85 380.02 Td (356,634) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.90 380.02 Td (27.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.90 380.02 Td (2,137) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.55 380.02 Td (0.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.20 380.02 Td (\(5.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.05 380.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 365.02 Td (Consumer electronic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.85 365.02 Td (293,685) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.90 365.02 Td (22.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.85 365.02 Td (312,009) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.90 365.02 Td (23.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.55 365.07 Td (\(18,324) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.40 365.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.20 365.02 Td (\(5.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.05 365.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.20 365.02 Td (\(9.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.05 365.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 350.02 Td (Home of) Tj ET Q q 0 0 0 rg BT 86.93 350.02 Td (fice) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.90 350.02 Td (92,404) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.90 350.02 Td (7.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.85 350.02 Td (101,365) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.90 350.02 Td (7.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.55 350.07 Td (\(8,961) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.40 350.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.20 350.02 Td (\(8.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.05 350.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.20 350.02 Td (\(12.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.05 350.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 335.02 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.90 335.02 Td (20,282) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.90 335.02 Td (1.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.90 335.02 Td (19,338) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.90 335.02 Td (1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.40 335.02 Td (944) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.55 335.02 Td (4.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.20 335.02 Td (\(3.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.05 335.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 320.02 Td (T) Tj ET Q q 0 0 0 rg BT 63.51 320.02 Td (otal product sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.35 320.02 Td (1,186,197) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.90 320.02 Td (90.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.35 320.02 Td (1,199,134) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.90 320.02 Td (90.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.55 320.07 Td (\(12,937) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.40 320.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.20 320.02 Td (\(1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.05 320.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.20 320.02 Td (\(6.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.05 320.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 305.02 Td (Repair service agreement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 295.02 Td (commissions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.85 295.02 Td (1) Tj ET Q q 0 0 0 rg BT 196.85 295.02 Td (13,615) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.90 295.02 Td (8.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.85 295.02 Td (109,730) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.90 295.02 Td (8.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.90 295.02 Td (3,885) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.55 295.02 Td (3.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.20 295.02 Td (\(2.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.05 295.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 280.02 Td (Service revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.90 280.02 Td (14,659) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.90 280.02 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.90 280.02 Td (13,725) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.90 280.02 Td (1.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.40 280.02 Td (934) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.55 280.02 Td (6.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.75 280.02 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 265.02 Td (T) Tj ET Q q 0 0 0 rg BT 63.16 265.02 Td (otal net sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.75 265.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.35 265.02 Td (1,314,471) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.90 265.02 Td (100.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.40 265.02 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.75 265.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.35 265.02 Td (1,322,589) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.90 265.02 Td (100.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.40 265.02 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.75 265.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.55 265.07 Td (\(8,1) Tj ET Q q 0 0 0 rg BT 438.38 265.07 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.40 265.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.20 265.02 Td (\(0.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.05 265.02 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.20 265.02 Td (\(6.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.05 265.02 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 242.85 Td (Sales ) Tj ET Q q 0 0 0 rg BT 72.94 242.85 Td (for ) Tj ET Q q 0 0 0 rg BT 86.94 242.85 Td (the ) Tj ET Q q 0 0 0 rg BT 101.49 242.85 Td (year ) Tj ET Q q 0 0 0 rg BT 121.03 242.85 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.24 242.85 Td (January31, ) Tj ET Q q 0 0 0 rg BT 195.67 242.85 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.67 242.85 Td ( ) Tj ET Q q 0 0 0 rg BT 218.01 242.85 Td (were ) Tj ET Q q 0 0 0 rg BT 239.77 242.85 Td (negatively ) Tj ET Q q 0 0 0 rg BT 283.75 242.85 Td (impacted ) Tj ET Q q 0 0 0 rg BT 322.74 242.85 Td (by ) Tj ET Q q 0 0 0 rg BT 335.07 242.85 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 389.06 242.85 Td (changes ) Tj ET Q q 0 0 0 rg BT 423.60 242.85 Td (made ) Tj ET Q q 0 0 0 rg BT 447.59 242.85 Td (in ) Tj ET Q q 0 0 0 rg BT 457.70 242.85 Td (the ) Tj ET Q q 0 0 0 rg BT 472.25 242.85 Td (fourth ) Tj ET Q q 0 0 0 rg BT 499.03 242.85 Td (quarter ) Tj ET Q q 0 0 0 rg BT 529.68 242.85 Td (of ) Tj ET Q q 0 0 0 rg BT 540.34 242.85 Td (fiscal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 230.85 Td (year ) Tj ET Q q 0 0 0 rg BT 69.73 230.85 Td (2016 ) Tj ET Q q 0 0 0 rg BT 92.75 230.85 Td (and ) Tj ET Q q 0 0 0 rg BT 110.20 230.85 Td (during ) Tj ET Q q 0 0 0 rg BT 139.33 230.85 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 164.00 230.85 Td (year ) Tj ET Q q 0 0 0 rg BT 184.23 230.85 Td (2017. ) Tj ET Q q 0 0 0 rg BT 209.53 230.85 Td (The ) Tj ET Q q 0 0 0 rg BT 228.10 230.85 Td (following ) Tj ET Q q 0 0 0 rg BT 270.00 230.85 Td (provides ) Tj ET Q q 0 0 0 rg BT 307.46 230.85 Td (a ) Tj ET Q q 0 0 0 rg BT 314.92 230.85 Td (summary ) Tj ET Q q 0 0 0 rg BT 355.15 230.85 Td (of ) Tj ET Q q 0 0 0 rg BT 366.50 230.85 Td (the ) Tj ET Q q 0 0 0 rg BT 381.74 230.85 Td (same ) Tj ET Q q 0 0 0 rg BT 405.30 230.85 Td (store ) Tj ET Q q 0 0 0 rg BT 427.76 230.85 Td (sales ) Tj ET Q q 0 0 0 rg BT 450.22 230.85 Td (performance ) Tj ET Q q 0 0 0 rg BT 503.76 230.85 Td (of ) Tj ET Q q 0 0 0 rg BT 515.11 230.85 Td (our ) Tj ET Q q 0 0 0 rg BT 531.46 230.85 Td (product ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 218.85 Td (categories ) Tj ET Q q 0 0 0 rg BT 92.53 218.85 Td (during ) Tj ET Q q 0 0 0 rg BT 121.14 218.85 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 145.30 218.85 Td (year ) Tj ET Q q 0 0 0 rg BT 165.00 218.85 Td (2017 ) Tj ET Q q 0 0 0 rg BT 187.50 218.85 Td (compared ) Tj ET Q q 0 0 0 rg BT 229.43 218.85 Td (to ) Tj ET Q q 0 0 0 rg BT 239.71 218.85 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 263.86 218.85 Td (year ) Tj ET Q q 0 0 0 rg BT 283.57 218.85 Td (2016:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 200.85 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 200.85 Td (Furniture ) Tj ET Q q 0 0 0 rg BT 125.22 200.85 Td (unit ) Tj ET Q q 0 0 0 rg BT 143.27 200.85 Td (volume ) Tj ET Q q 0 0 0 rg BT 175.77 200.85 Td (decreased ) Tj ET Q q 0 0 0 rg BT 217.68 200.85 Td (1.6%, ) Tj ET Q q 0 0 0 rg BT 243.51 200.85 Td (partially ) Tj ET Q q 0 0 0 rg BT 279.33 200.85 Td (of) Tj ET Q q 0 0 0 rg BT 287.48 200.85 Td (fset ) Tj ET Q q 0 0 0 rg BT 304.42 200.85 Td (by ) Tj ET Q q 0 0 0 rg BT 316.92 200.85 Td (a ) Tj ET Q q 0 0 0 rg BT 323.86 200.85 Td (4.7% ) Tj ET Q q 0 0 0 rg BT 347.19 200.85 Td (increase ) Tj ET Q q 0 0 0 rg BT 382.44 200.85 Td (in ) Tj ET Q q 0 0 0 rg BT 392.72 200.85 Td (average ) Tj ET Q q 0 0 0 rg BT 426.31 200.85 Td (selling ) Tj ET Q q 0 0 0 rg BT 455.47 200.85 Td (price; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 182.85 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 182.85 Td (Mattress ) Tj ET Q q 0 0 0 rg BT 122.44 182.85 Td (unit ) Tj ET Q q 0 0 0 rg BT 140.50 182.85 Td (volume ) Tj ET Q q 0 0 0 rg BT 172.99 182.85 Td (increased ) Tj ET Q q 0 0 0 rg BT 213.24 182.85 Td (2.4% ) Tj ET Q q 0 0 0 rg BT 236.57 182.85 Td (and ) Tj ET Q q 0 0 0 rg BT 253.51 182.85 Td (average ) Tj ET Q q 0 0 0 rg BT 287.10 182.85 Td (selling ) Tj ET Q q 0 0 0 rg BT 316.26 182.85 Td (price ) Tj ET Q q 0 0 0 rg BT 338.75 182.85 Td (increased ) Tj ET Q q 0 0 0 rg BT 379.00 182.85 Td (1.2%;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 164.85 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 164.85 Td (Home ) Tj ET Q q 0 0 0 rg BT 112.44 164.85 Td (appliance ) Tj ET Q q 0 0 0 rg BT 153.25 164.85 Td (unit ) Tj ET Q q 0 0 0 rg BT 171.31 164.85 Td (volume ) Tj ET Q q 0 0 0 rg BT 203.80 164.85 Td (increased ) Tj ET Q q 0 0 0 rg BT 244.05 164.85 Td (3.4%, ) Tj ET Q q 0 0 0 rg BT 269.88 164.85 Td (partially ) Tj ET Q q 0 0 0 rg BT 305.71 164.85 Td (of) Tj ET Q q 0 0 0 rg BT 313.85 164.85 Td (fset ) Tj ET Q q 0 0 0 rg BT 330.79 164.85 Td (by ) Tj ET Q q 0 0 0 rg BT 343.29 164.85 Td (a ) Tj ET Q q 0 0 0 rg BT 350.23 164.85 Td (2.4% ) Tj ET Q q 0 0 0 rg BT 373.56 164.85 Td (decrease ) Tj ET Q q 0 0 0 rg BT 410.48 164.85 Td (in ) Tj ET Q q 0 0 0 rg BT 420.75 164.85 Td (average ) Tj ET Q q 0 0 0 rg BT 454.34 164.85 Td (selling ) Tj ET Q q 0 0 0 rg BT 483.50 164.85 Td (price;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 146.85 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 146.85 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 129.11 146.85 Td (electronic ) Tj ET Q q 0 0 0 rg BT 171.03 146.85 Td (unit ) Tj ET Q q 0 0 0 rg BT 189.08 146.85 Td (volume ) Tj ET Q q 0 0 0 rg BT 221.58 146.85 Td (decreased ) Tj ET Q q 0 0 0 rg BT 263.49 146.85 Td (9.4%, ) Tj ET Q q 0 0 0 rg BT 289.32 146.85 Td (partially ) Tj ET Q q 0 0 0 rg BT 325.14 146.85 Td (of) Tj ET Q q 0 0 0 rg BT 333.29 146.85 Td (fset ) Tj ET Q q 0 0 0 rg BT 350.23 146.85 Td (by ) Tj ET Q q 0 0 0 rg BT 362.73 146.85 Td (an ) Tj ET Q q 0 0 0 rg BT 374.67 146.85 Td (4.7% ) Tj ET Q q 0 0 0 rg BT 398.00 146.85 Td (increase ) Tj ET Q q 0 0 0 rg BT 433.25 146.85 Td (in ) Tj ET Q q 0 0 0 rg BT 443.53 146.85 Td (average ) Tj ET Q q 0 0 0 rg BT 477.12 146.85 Td (selling ) Tj ET Q q 0 0 0 rg BT 506.28 146.85 Td (price; ) Tj ET Q q 0 0 0 rg BT 531.54 146.85 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 128.85 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 128.85 Td (Home ) Tj ET Q q 0 0 0 rg BT 112.44 128.85 Td (of) Tj ET Q q 0 0 0 rg BT 120.59 128.85 Td (fice ) Tj ET Q q 0 0 0 rg BT 138.07 128.85 Td (unit ) Tj ET Q q 0 0 0 rg BT 156.13 128.85 Td (volume ) Tj ET Q q 0 0 0 rg BT 188.63 128.85 Td (decreased ) Tj ET Q q 0 0 0 rg BT 230.54 128.85 Td (10.0%, ) Tj ET Q q 0 0 0 rg BT 261.37 128.85 Td (partially ) Tj ET Q q 0 0 0 rg BT 297.19 128.85 Td (of) Tj ET Q q 0 0 0 rg BT 305.34 128.85 Td (fset ) Tj ET Q q 0 0 0 rg BT 322.28 128.85 Td (by ) Tj ET Q q 0 0 0 rg BT 334.78 128.85 Td (a ) Tj ET Q q 0 0 0 rg BT 341.72 128.85 Td (1.5% ) Tj ET Q q 0 0 0 rg BT 365.05 128.85 Td (increase ) Tj ET Q q 0 0 0 rg BT 400.30 128.85 Td (in ) Tj ET Q q 0 0 0 rg BT 410.58 128.85 Td (average ) Tj ET Q q 0 0 0 rg BT 444.16 128.85 Td (selling ) Tj ET Q q 0 0 0 rg BT 473.33 128.85 Td (price.) Tj ET Q endstream endobj 89 0 obj <>] /Rotate 0 /Contents 90 0 R>> endobj 90 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (43) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.55 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 108.93 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 130.87 742.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 167.81 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 182.52 742.10 Td (change ) Tj ET Q q 0 0 0 rg BT 213.34 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 224.17 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.88 742.10 Td (components ) Tj ET Q q 0 0 0 rg BT 289.71 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 300.54 742.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 332.46 742.10 Td (char) Tj ET Q q 0 0 0 rg BT 349.49 742.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 365.32 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 382.26 742.10 Td (other ) Tj ET Q q 0 0 0 rg BT 405.31 742.10 Td (revenues:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 695.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 695.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 695.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 695.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 695.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 695.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 665.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 665.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 665.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 665.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 665.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 665.60 65.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 710.6 m 424 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 710.6 m 428 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 710.6 m 493 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 695.6 m 424 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 695.6 m 493 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 695.6 m 562 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 695.6 m 424 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 695.6 m 493 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 650.6 m 424 650.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 650.6 m 493 650.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 650.6 m 424 650.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 636.6 m 424 636.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 634.6 m 424 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 650.6 m 493 650.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 636.6 m 493 636.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 634.6 m 493 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 650.6 m 562 650.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 636.6 m 562 636.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 634.6 m 562 634.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 715.27 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 375.00 715.28 Td (Y) Tj ET Q q 0 0 0 rg BT 381.67 715.28 Td (ear) Tj ET Q q 0 0 0 rg BT 394.90 715.28 Td ( ended January 31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 715.27 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 700.31 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.00 700.28 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.00 700.28 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 512.60 700.28 Td (Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 685.27 Td (Interest income and fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 685.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 685.27 Td (238,386) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 685.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.65 685.27 Td (238,161) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 685.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 685.27 Td (225) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 670.27 Td (Insurance income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 670.27 Td (42,422) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 670.27 Td (50,789) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 670.32 Td (\(8,367) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 670.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 655.27 Td (Other revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 655.27 Td (1,569) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 655.27 Td (1,639) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 655.32 Td (\(70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 655.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 640.27 Td (Finance char) Tj ET Q q 0 0 0 rg BT 109.68 640.27 Td (ges and other revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 640.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 640.27 Td (282,377) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 640.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.65 640.27 Td (290,589) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 640.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 640.32 Td (\(8,212) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 640.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 82.65 618.10 Td (income ) Tj ET Q q 0 0 0 rg BT 115.26 618.10 Td (and ) Tj ET Q q 0 0 0 rg BT 132.86 618.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 152.13 618.10 Td (of ) Tj ET Q q 0 0 0 rg BT 163.63 618.10 Td (the ) Tj ET Q q 0 0 0 rg BT 179.02 618.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 204.95 618.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 241.44 618.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 282.37 618.10 Td (over ) Tj ET Q q 0 0 0 rg BT 303.30 618.10 Td (the ) Tj ET Q q 0 0 0 rg BT 318.69 618.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 341.30 618.10 Td (year ) Tj ET Q q 0 0 0 rg BT 361.67 618.10 Td (period ) Tj ET Q q 0 0 0 rg BT 390.39 618.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 430.77 618.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 459.49 618.10 Td (by ) Tj ET Q q 0 0 0 rg BT 472.65 618.10 Td (a6.5%increase ) Tj ET Q q 0 0 0 rg BT 538.85 618.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 618.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 606.10 Td (average ) Tj ET Q q 0 0 0 rg BT 83.09 606.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 116.12 606.10 Td (of ) Tj ET Q q 0 0 0 rg BT 126.96 606.10 Td (the ) Tj ET Q q 0 0 0 rg BT 141.68 606.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 181.68 606.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 217.50 606.10 Td (of) Tj ET Q q 0 0 0 rg BT 225.65 606.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 242.59 606.10 Td (by ) Tj ET Q q 0 0 0 rg BT 255.10 606.10 Td (a ) Tj ET Q q 0 0 0 rg BT 262.04 606.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 284.54 606.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 302.03 606.10 Td (of15.4%,90basis ) Tj ET Q q 0 0 0 rg BT 378.69 606.10 Td (points ) Tj ET Q q 0 0 0 rg BT 405.64 606.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 430.92 606.10 Td (than ) Tj ET Q q 0 0 0 rg BT 450.64 606.10 Td (the ) Tj ET Q q 0 0 0 rg BT 465.36 606.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 487.30 606.10 Td (year ) Tj ET Q q 0 0 0 rg BT 507.01 606.10 Td (period, ) Tj ET Q q 0 0 0 rg BT 537.56 606.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 594.10 Td (included ) Tj ET Q q 0 0 0 rg BT 86.32 594.10 Td (the ) Tj ET Q q 0 0 0 rg BT 100.93 594.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 137.19 594.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 166.79 594.10 Td (of ) Tj ET Q q 0 0 0 rg BT 177.50 594.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 227.66 594.10 Td (of ) Tj ET Q q 0 0 0 rg BT 238.38 594.10 Td ($8.2 ) Tj ET Q q 0 0 0 rg BT 258.27 594.10 Td (million ) Tj ET Q q 0 0 0 rg BT 289.55 594.10 Td (as ) Tj ET Q q 0 0 0 rg BT 300.27 594.10 Td (a ) Tj ET Q q 0 0 0 rg BT 307.09 594.10 Td (result ) Tj ET Q q 0 0 0 rg BT 331.70 594.10 Td (of ) Tj ET Q q 0 0 0 rg BT 342.42 594.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 377.01 594.10 Td (in ) Tj ET Q q 0 0 0 rg BT 387.18 594.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 426.78 594.10 Td (of ) Tj ET Q q 0 0 0 rg BT 437.49 594.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 473.77 594.10 Td (for ) Tj ET Q q 0 0 0 rg BT 487.82 594.10 Td (allowances ) Tj ET Q q 0 0 0 rg BT 534.63 594.10 Td (for ) Tj ET Q q 0 0 0 rg BT 548.67 594.10 Td (no-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.61 582.10 Td (option ) Tj ET Q q 0 0 0 rg BT 109.85 582.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 135.29 582.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 175.74 582.10 Td (and ) Tj ET Q q 0 0 0 rg BT 192.86 582.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 228.84 582.10 Td (interest. ) Tj ET Q q 0 0 0 rg BT 263.46 582.10 Td (Excluding ) Tj ET Q q 0 0 0 rg BT 307.24 582.10 Td (the ) Tj ET Q q 0 0 0 rg BT 322.14 582.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 352.03 582.10 Td (of ) Tj ET Q q 0 0 0 rg BT 363.04 582.10 Td (the ) Tj ET Q q 0 0 0 rg BT 377.94 582.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 412.82 582.10 Td (in ) Tj ET Q q 0 0 0 rg BT 423.28 582.10 Td (estimates, ) Tj ET Q q 0 0 0 rg BT 465.67 582.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 488.35 582.10 Td (was ) Tj ET Q q 0 0 0 rg BT 506.58 582.10 Td (flat ) Tj ET Q q 0 0 0 rg BT 522.58 582.10 Td (compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 570.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.37 570.10 Td (the ) Tj ET Q q 0 0 0 rg BT 73.67 570.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 95.20 570.10 Td (year ) Tj ET Q q 0 0 0 rg BT 114.49 570.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 144.62 570.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 185.58 570.10 Td (commissions ) Tj ET Q q 0 0 0 rg BT 239.89 570.10 Td (decreased ) Tj ET Q q 0 0 0 rg BT 281.39 570.10 Td (over ) Tj ET Q q 0 0 0 rg BT 301.25 570.10 Td (the ) Tj ET Q q 0 0 0 rg BT 315.55 570.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 337.08 570.10 Td (year ) Tj ET Q q 0 0 0 rg BT 356.38 570.10 Td (period ) Tj ET Q q 0 0 0 rg BT 384.01 570.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 423.31 570.10 Td (due ) Tj ET Q q 0 0 0 rg BT 439.83 570.10 Td (to ) Tj ET Q q 0 0 0 rg BT 449.70 570.10 Td (the ) Tj ET Q q 0 0 0 rg BT 464.00 570.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 500.51 570.10 Td (in ) Tj ET Q q 0 0 0 rg BT 510.37 570.10 Td (retrospective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 558.10 Td (commissions ) Tj ET Q q 0 0 0 rg BT 103.89 558.10 Td (as ) Tj ET Q q 0 0 0 rg BT 114.39 558.10 Td (a ) Tj ET Q q 0 0 0 rg BT 120.99 558.10 Td (result ) Tj ET Q q 0 0 0 rg BT 145.37 558.10 Td (of ) Tj ET Q q 0 0 0 rg BT 155.87 558.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 183.58 558.10 Td (claim ) Tj ET Q q 0 0 0 rg BT 207.96 558.10 Td (volumes ) Tj ET Q q 0 0 0 rg BT 244.01 558.10 Td (in ) Tj ET Q q 0 0 0 rg BT 253.96 558.10 Td (Louisiana ) Tj ET Q q 0 0 0 rg BT 295.55 558.10 Td (after ) Tj ET Q q 0 0 0 rg BT 316.04 558.10 Td (the ) Tj ET Q q 0 0 0 rg BT 329.94 558.10 Td (August ) Tj ET Q q 0 0 0 rg BT 361.00 558.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 383.16 558.10 Td (floods, ) Tj ET Q q 0 0 0 rg BT 412.83 558.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 437.76 558.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 483.81 558.10 Td (volumes ) Tj ET Q q 0 0 0 rg BT 519.86 558.10 Td (and ) Tj ET Q q 0 0 0 rg BT 536.47 558.10 Td (higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.10 Td (char) Tj ET Q q 0 0 0 rg BT 66.53 546.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 87.44 546.10 Td (fs. ) Tj ET Q q 0 0 0 rg BT 100.13 546.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 141.96 546.10 Td (commissions ) Tj ET Q q 0 0 0 rg BT 197.14 546.10 Td (were ) Tj ET Q q 0 0 0 rg BT 219.53 546.10 Td (also ) Tj ET Q q 0 0 0 rg BT 238.60 546.10 Td (impacted ) Tj ET Q q 0 0 0 rg BT 278.22 546.10 Td (by ) Tj ET Q q 0 0 0 rg BT 291.18 546.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.36 546.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 338.19 546.10 Td (in ) Tj ET Q q 0 0 0 rg BT 348.93 546.10 Td (the ) Tj ET Q q 0 0 0 rg BT 364.11 546.10 Td (number ) Tj ET Q q 0 0 0 rg BT 397.62 546.10 Td (of ) Tj ET Q q 0 0 0 rg BT 408.91 546.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 432.98 546.10 Td (with ) Tj ET Q q 0 0 0 rg BT 453.72 546.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 494.99 546.10 Td (products ) Tj ET Q q 0 0 0 rg BT 532.39 546.10 Td (and ) Tj ET Q q 0 0 0 rg BT 549.79 546.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 80.33 534.10 Td (of ) Tj ET Q q 0 0 0 rg BT 91.16 534.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 113.10 534.10 Td (in ) Tj ET Q q 0 0 0 rg BT 123.38 534.10 Td (states ) Tj ET Q q 0 0 0 rg BT 148.09 534.10 Td (that ) Tj ET Q q 0 0 0 rg BT 165.59 534.10 Td (have ) Tj ET Q q 0 0 0 rg BT 186.97 534.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 212.23 534.10 Td (premiums.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.10 Td ( ) Tj ET Q q 0 0 0 rg BT 52.00 522.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 504.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.55 504.10 Td (following ) Tj ET Q q 0 0 0 rg BT 108.93 504.10 Td (table ) Tj ET Q q 0 0 0 rg BT 130.87 504.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 167.81 504.10 Td (key ) Tj ET Q q 0 0 0 rg BT 184.74 504.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 222.24 504.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 275.26 504.10 Td (information:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 457.60 378.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.25 457.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.25 457.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.25 457.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 427.60 378.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.25 427.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.25 427.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.25 427.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 397.60 378.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.25 397.60 65.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.25 397.60 4.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.25 397.60 65.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 363.60 378.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.25 363.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.25 363.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.25 363.60 65.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 472.6 m 492.25 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.25 472.6 m 496.25 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.25 472.6 m 561.25 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 457.6 m 492.25 457.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.25 457.6 m 561.25 457.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 457.6 m 492.25 457.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.25 457.6 m 561.25 457.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 412.6 m 492.25 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.25 412.6 m 561.25 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 412.6 m 492.25 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 398.6 m 492.25 398.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 396.6 m 492.25 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.25 412.6 m 561.25 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.25 398.6 m 561.25 398.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.25 396.6 m 561.25 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 396.6 m 492.25 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 398.6 m 492.25 398.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.25 396.6 m 561.25 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.25 398.6 m 561.25 398.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 477.27 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.25 477.28 Td (Y) Tj ET Q q 0 0 0 rg BT 449.92 477.28 Td (ear) Tj ET Q q 0 0 0 rg BT 463.15 477.28 Td ( ended January 31,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 51.75 462.31 Td (\(dollars in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 449.25 462.28 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.25 462.28 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 447.27 Td (Interest income and fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.75 447.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.90 447.27 Td (238,386) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.75 447.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.90 447.27 Td (238,161) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 432.27 Td (Net char) Tj ET Q q 0 0 0 rg BT 85.81 432.27 Td (ge-of) Tj ET Q q 0 0 0 rg BT 106.72 432.27 Td (fs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.55 432.32 Td (\(224,169) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.40 432.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.55 432.32 Td (\(180,421) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 432.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 417.27 Td (Interest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.55 417.32 Td (\(98,615) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.40 417.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.55 417.32 Td (\(63,106) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 417.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 402.27 Td (Net portfolio total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.75 402.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.55 402.32 Td (\(84,398) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.40 402.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.75 402.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.55 402.32 Td (\(5,366) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 402.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 383.27 Td (A) Tj ET Q q 0 0 0 rg BT 58.60 383.27 Td (verage portfolio balance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.75 383.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.35 383.27 Td (1,552,475) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.75 383.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.35 383.27 Td (1,458,326) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 368.27 Td (Interest income and fee yield) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.90 368.27 Td (15.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.40 368.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.90 368.27 Td (16.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 368.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 353.27 Td (Net char) Tj ET Q q 0 0 0 rg BT 85.71 353.27 Td (ge-of) Tj ET Q q 0 0 0 rg BT 106.63 353.27 Td (f percentage) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.90 353.27 Td (14.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.40 353.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.90 353.27 Td (12.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 353.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.75 349.10 Td () Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 331.10 Td (Cost ) Tj ET Q q 0 0 0 rg BT 70.34 331.10 Td (of ) Tj ET Q q 0 0 0 rg BT 81.17 331.10 Td (Goods ) Tj ET Q q 0 0 0 rg BT 109.78 331.10 Td (and ) Tj ET Q q 0 0 0 rg BT 127.84 331.10 Td (Retail ) Tj ET Q q 0 0 0 rg BT 154.79 331.10 Td (Gross ) Tj ET Q q 0 0 0 rg BT 181.18 331.10 Td (Margin) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 284.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.25 284.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.25 284.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.25 284.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.25 284.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.25 284.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 254.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.25 254.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.25 254.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.25 254.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.25 254.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.25 254.60 65.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.25 299.6 m 423.25 299.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.25 299.6 m 427.25 299.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 299.6 m 492.25 299.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.25 284.6 m 423.25 284.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 284.6 m 492.25 284.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.25 284.6 m 496.25 284.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.25 284.6 m 561.25 284.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.25 254.60000000000002 m 496.25 254.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.25 254.60000000000002 m 561.25 254.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.25 254.60000000000002 m 423.25 254.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.25 240.60000000000002 m 423.25 240.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.25 238.60000000000002 m 423.25 238.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 254.60000000000002 m 492.25 254.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 240.60000000000002 m 492.25 240.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 238.60000000000002 m 492.25 238.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.25 240.60000000000002 m 561.25 240.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.25 238.60000000000002 m 561.25 238.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.25 238.60000000000002 m 423.25 238.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.25 240.60000000000002 m 423.25 240.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 238.60000000000002 m 492.25 238.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 240.60000000000002 m 492.25 240.60000000000002 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 304.27 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.25 304.28 Td (Y) Tj ET Q q 0 0 0 rg BT 380.92 304.28 Td (ear) Tj ET Q q 0 0 0 rg BT 394.15 304.28 Td ( ended January 31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.75 304.27 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 51.75 289.31 Td (\(dollars in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.25 289.28 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 449.25 289.28 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 511.85 289.28 Td (Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 274.27 Td (Retail total net sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.75 274.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.35 274.27 Td (1,314,471) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.75 274.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.35 274.27 Td (1,322,589) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.75 274.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.55 274.32 Td (\(8,1) Tj ET Q q 0 0 0 rg BT 547.38 274.32 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.40 274.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 259.27 Td (Cost of goods sold) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.90 259.27 Td (823,082) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.90 259.27 Td (833,126) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.55 259.32 Td (\(10,044) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.40 259.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 244.27 Td (Retail gross mar) Tj ET Q q 0 0 0 rg BT 117.20 244.27 Td (gin) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.75 244.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.90 244.27 Td (491,389) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.75 244.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.90 244.27 Td (489,463) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.75 244.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.90 244.27 Td (1,926) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 228.27 Td (Retail gross mar) Tj ET Q q 0 0 0 rg BT 117.11 228.27 Td (gin percentage) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.90 228.27 Td (37.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.40 228.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.90 228.27 Td (37.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.40 228.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 206.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.02 206.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 101.75 206.10 Td (in ) Tj ET Q q 0 0 0 rg BT 111.50 206.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 134.02 206.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 157.11 206.10 Td (mar) Tj ET Q q 0 0 0 rg BT 172.48 206.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 187.23 206.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 232.51 206.10 Td (was ) Tj ET Q q 0 0 0 rg BT 250.03 206.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 277.55 206.10 Td (by ) Tj ET Q q 0 0 0 rg BT 289.53 206.10 Td (improved ) Tj ET Q q 0 0 0 rg BT 329.83 206.10 Td (product ) Tj ET Q q 0 0 0 rg BT 362.35 206.10 Td (mar) Tj ET Q q 0 0 0 rg BT 377.72 206.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 392.47 206.10 Td (and ) Tj ET Q q 0 0 0 rg BT 408.88 206.10 Td (an ) Tj ET Q q 0 0 0 rg BT 420.30 206.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 455.03 206.10 Td (in ) Tj ET Q q 0 0 0 rg BT 464.78 206.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 490.07 206.10 Td (service ) Tj ET Q q 0 0 0 rg BT 520.36 206.10 Td (agreement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 194.10 Td (commissions, ) Tj ET Q q 0 0 0 rg BT 106.73 194.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 142.55 194.10 Td (of) Tj ET Q q 0 0 0 rg BT 150.70 194.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 167.63 194.10 Td (by ) Tj ET Q q 0 0 0 rg BT 180.13 194.10 Td (the ) Tj ET Q q 0 0 0 rg BT 194.85 194.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 224.56 194.10 Td (softer ) Tj ET Q q 0 0 0 rg BT 249.83 194.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 271.77 194.10 Td (have ) Tj ET Q q 0 0 0 rg BT 293.15 194.10 Td (on ) Tj ET Q q 0 0 0 rg BT 305.65 194.10 Td (our ) Tj ET Q q 0 0 0 rg BT 321.48 194.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 344.52 194.10 Td (warehouse, ) Tj ET Q q 0 0 0 rg BT 392.28 194.10 Td (delivery) Tj ET Q q 0 0 0 rg BT 424.40 194.10 Td (, ) Tj ET Q q 0 0 0 rg BT 429.40 194.10 Td (and ) Tj ET Q q 0 0 0 rg BT 446.34 194.10 Td (transportation ) Tj ET Q q 0 0 0 rg BT 504.38 194.10 Td (costs.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 170.10 Td (Selling, ) Tj ET Q q 0 0 0 rg BT 83.40 170.10 Td (General ) Tj ET Q q 0 0 0 rg BT 119.23 170.10 Td (and ) Tj ET Q q 0 0 0 rg BT 136.92 170.10 Td (Administrative ) Tj ET Q q 0 0 0 rg BT 199.98 170.10 Td (Expense) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 123.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 123.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 123.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 123.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 123.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 123.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 93.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 93.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 93.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 93.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 93.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 93.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 63.60 309.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 63.60 65.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 63.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 63.60 65.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 63.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 63.60 65.00 -18.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 138.60000000000002 m 424 138.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 138.60000000000002 m 428 138.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 138.60000000000002 m 493 138.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 123.60000000000002 m 424 123.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 123.60000000000002 m 493 123.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 123.60000000000002 m 562 123.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 78.60000000000002 m 493 78.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 78.60000000000002 m 424 78.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 64.60000000000002 m 424 64.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 62.60000000000002 m 424 62.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 78.60000000000002 m 493 78.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 64.60000000000002 m 493 64.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 62.60000000000002 m 493 62.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 78.60000000000002 m 562 78.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 64.60000000000002 m 562 64.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 62.60000000000002 m 562 62.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 62.60000000000002 m 424 62.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 64.60000000000002 m 424 64.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 62.60000000000002 m 493 62.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 64.60000000000002 m 493 64.60000000000002 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 143.27 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 375.00 143.28 Td (Y) Tj ET Q q 0 0 0 rg BT 381.67 143.28 Td (ear) Tj ET Q q 0 0 0 rg BT 394.90 143.28 Td ( ended January 31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 143.27 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 128.31 Td (\(dollars in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.00 128.28 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.00 128.28 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 512.60 128.28 Td (Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 113.27 Td (Selling, general and administrative expense:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 98.27 Td (Retail segment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 98.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.65 98.27 Td (326,078) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 98.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.65 98.27 Td (313,694) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 98.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 98.27 Td (12,384) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 83.27 Td (Credit segment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.65 83.27 Td (134,818) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.65 83.27 Td (122,421) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 83.27 Td (12,397) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 68.27 Td (Selling, general and administrative expense - consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 68.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.65 68.27 Td (460,896) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 68.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.65 68.27 Td (436,1) Tj ET Q q 0 0 0 rg BT 474.15 68.27 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 68.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 68.27 Td (24,781) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 50.27 Td (As a percent of total revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 50.27 Td (28.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.15 50.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 50.27 Td (27.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 50.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.50 50.27 Td () Tj ET Q BT /F1 10.00 Tf ET endstream endobj 91 0 obj <>] /Rotate 0 /Contents 92 0 R>> endobj 92 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (44) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.30 742.10 Td (SG&A) Tj ET Q q 0 0 0 rg BT 94.53 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 96.78 742.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 131.79 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 141.81 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 156.28 742.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 179.08 742.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 214.65 742.10 Td (was ) Tj ET Q q 0 0 0 rg BT 232.45 742.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 271.92 742.10 Td (due ) Tj ET Q q 0 0 0 rg BT 288.61 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 298.64 742.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 326.43 742.10 Td (new ) Tj ET Q q 0 0 0 rg BT 345.34 742.10 Td (store ) Tj ET Q q 0 0 0 rg BT 367.03 742.10 Td (occupancy) Tj ET Q q 0 0 0 rg BT 409.14 742.10 Td (, ) Tj ET Q q 0 0 0 rg BT 413.89 742.10 Td (advertising ) Tj ET Q q 0 0 0 rg BT 460.57 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 477.26 742.10 Td (compensation, ) Tj ET Q q 0 0 0 rg BT 537.56 742.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (resulted ) Tj ET Q q 0 0 0 rg BT 83.39 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 93.40 730.10 Td (an ) Tj ET Q q 0 0 0 rg BT 105.07 730.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 140.05 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 150.61 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 157.28 730.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 202.82 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 213.38 730.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 248.93 730.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 286.70 730.10 Td (of1) Tj ET Q q 0 0 0 rg BT 302.16 730.10 Td (10basis ) Tj ET Q q 0 0 0 rg BT 336.89 730.10 Td (points ) Tj ET Q q 0 0 0 rg BT 363.57 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 374.13 730.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 415.79 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 425.80 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.25 730.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 461.92 730.10 Td (year ) Tj ET Q q 0 0 0 rg BT 481.36 730.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 511.47 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 529.25 730.10 Td (increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.25 718.10 Td (SG&A) Tj ET Q q 0 0 0 rg BT 86.48 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 88.45 718.10 Td (for ) Tj ET Q q 0 0 0 rg BT 102.07 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 116.26 718.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 140.99 718.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 176.28 718.10 Td (was ) Tj ET Q q 0 0 0 rg BT 193.80 718.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 221.32 718.10 Td (by ) Tj ET Q q 0 0 0 rg BT 233.28 718.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 275.24 718.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 324.98 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 334.73 718.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 359.46 718.10 Td (personnel ) Tj ET Q q 0 0 0 rg BT 400.31 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 410.05 718.10 Td (improve ) Tj ET Q q 0 0 0 rg BT 445.34 718.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 486.75 718.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 511.48 718.10 Td (performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.63 706.10 Td (an ) Tj ET Q q 0 0 0 rg BT 78.75 706.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 114.19 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 124.66 706.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 165.10 706.10 Td (allocations. ) Tj ET Q q 0 0 0 rg BT 213.02 706.10 Td (As ) Tj ET Q q 0 0 0 rg BT 226.82 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 233.95 706.10 Td (percent ) Tj ET Q q 0 0 0 rg BT 266.06 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 277.08 706.10 Td (average ) Tj ET Q q 0 0 0 rg BT 310.85 706.10 Td (total ) Tj ET Q q 0 0 0 rg BT 331.31 706.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 370.65 706.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 408.34 706.10 Td (balance, ) Tj ET Q q 0 0 0 rg BT 444.06 706.10 Td (SG&A) Tj ET Q q 0 0 0 rg BT 471.29 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 473.98 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 488.32 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 503.23 706.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 528.68 706.10 Td (segment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.14 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 73.22 694.10 Td (current ) Tj ET Q q 0 0 0 rg BT 103.40 694.10 Td (period ) Tj ET Q q 0 0 0 rg BT 130.81 694.10 Td (increased30basis ) Tj ET Q q 0 0 0 rg BT 205.43 694.10 Td (points ) Tj ET Q q 0 0 0 rg BT 231.75 694.10 Td (as ) Tj ET Q q 0 0 0 rg BT 241.94 694.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 283.23 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 292.87 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.95 694.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 328.25 694.10 Td (year ) Tj ET Q q 0 0 0 rg BT 347.33 694.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 377.10 694.10 Td (T) Tj ET Q q 0 0 0 rg BT 382.51 694.10 Td (otal ) Tj ET Q q 0 0 0 rg BT 399.37 694.10 Td (SG&A) Tj ET Q q 0 0 0 rg BT 426.60 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 428.47 694.10 Td (was ) Tj ET Q q 0 0 0 rg BT 445.88 694.10 Td (also ) Tj ET Q q 0 0 0 rg BT 463.86 694.10 Td (impacted ) Tj ET Q q 0 0 0 rg BT 502.37 694.10 Td (by ) Tj ET Q q 0 0 0 rg BT 514.23 694.10 Td (investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.10 Td (we ) Tj ET Q q 0 0 0 rg BT 63.66 682.10 Td (are ) Tj ET Q q 0 0 0 rg BT 78.37 682.10 Td (making ) Tj ET Q q 0 0 0 rg BT 110.86 682.10 Td (in ) Tj ET Q q 0 0 0 rg BT 121.14 682.10 Td (information ) Tj ET Q q 0 0 0 rg BT 170.85 682.10 Td (technology ) Tj ET Q q 0 0 0 rg BT 217.79 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 234.72 682.10 Td (other ) Tj ET Q q 0 0 0 rg BT 257.77 682.10 Td (personnel ) Tj ET Q q 0 0 0 rg BT 299.15 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 309.43 682.10 Td (support ) Tj ET Q q 0 0 0 rg BT 341.93 682.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 383.86 682.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 436.88 682.10 Td (improvement ) Tj ET Q q 0 0 0 rg BT 492.70 682.10 Td (initiatives.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 652.10 Td (Provision ) Tj ET Q q 0 0 0 rg BT 91.45 652.10 Td (for ) Tj ET Q q 0 0 0 rg BT 106.17 652.10 Td (Bad ) Tj ET Q q 0 0 0 rg BT 125.34 652.10 Td (Debts) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 607.60 309.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.25 607.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.25 607.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.25 607.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.25 607.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.25 607.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 579.60 309.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.25 579.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.25 579.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.25 579.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.25 579.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.25 579.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 551.60 309.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.25 551.60 65.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.25 551.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.25 551.60 65.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.25 551.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.25 551.60 65.00 -21.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.25 621.6 m 423.25 621.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.25 621.6 m 427.25 621.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 621.6 m 492.25 621.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.25 607.6 m 423.25 607.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 607.6 m 492.25 607.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.25 607.6 m 561.25 607.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.25 565.6 m 423.25 565.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.25 552.6 m 423.25 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.25 550.6 m 423.25 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 565.6 m 492.25 565.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 552.6 m 492.25 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 550.6 m 492.25 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.25 565.6 m 561.25 565.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.25 552.6 m 561.25 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.25 550.6 m 561.25 550.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 626.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.25 626.28 Td (Y) Tj ET Q q 0 0 0 rg BT 380.92 626.28 Td (ear) Tj ET Q q 0 0 0 rg BT 394.15 626.28 Td ( ended January 31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.75 626.17 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 51.75 612.16 Td (\(dollars in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.25 612.28 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 449.25 612.28 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 511.85 612.28 Td (Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 598.17 Td (Provision for bad debts:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 584.17 Td (Retail segment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.75 584.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.40 584.17 Td (990) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.75 584.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.40 584.17 Td (791) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.75 584.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.40 584.17 Td (199) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 570.17 Td (Credit segment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.90 570.17 Td (241,304) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.90 570.17 Td (221,386) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.90 570.17 Td (19,918) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 556.17 Td (Provision for bad debts - consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.75 556.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.90 556.17 Td (242,294) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.75 556.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.90 556.17 Td (222,177) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.75 556.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.90 556.17 Td (20,1) Tj ET Q q 0 0 0 rg BT 547.40 556.17 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 542.17 Td (Provision for bad debts - credit segment, as a percent of average portfolio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.25 532.22 Td (balance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.90 535.27 Td (15.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.40 535.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.90 535.27 Td (15.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.40 535.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.75 535.27 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 513.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.55 513.10 Td (year) Tj ET Q q 0 0 0 rg BT 84.55 513.10 Td (-over) Tj ET Q q 0 0 0 rg BT 105.45 513.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 128.49 513.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 163.74 513.10 Td (in ) Tj ET Q q 0 0 0 rg BT 174.02 513.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 214.30 513.10 Td (for ) Tj ET Q q 0 0 0 rg BT 228.46 513.10 Td (bad ) Tj ET Q q 0 0 0 rg BT 245.40 513.10 Td (debts ) Tj ET Q q 0 0 0 rg BT 269.01 513.10 Td (was ) Tj ET Q q 0 0 0 rg BT 287.06 513.10 Td (impacted ) Tj ET Q q 0 0 0 rg BT 326.21 513.10 Td (by ) Tj ET Q q 0 0 0 rg BT 338.71 513.10 Td (the ) Tj ET Q q 0 0 0 rg BT 353.43 513.10 Td (following:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 495.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 495.10 Td (A) Tj ET Q q 0 0 0 rg BT 92.17 495.10 Td (6.5%increase ) Tj ET Q q 0 0 0 rg BT 153.17 495.10 Td (in ) Tj ET Q q 0 0 0 rg BT 163.36 495.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.99 495.10 Td (average ) Tj ET Q q 0 0 0 rg BT 211.49 495.10 Td (receivable ) Tj ET Q q 0 0 0 rg BT 254.98 495.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 292.39 495.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 325.33 495.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 362.74 495.10 Td (from ) Tj ET Q q 0 0 0 rg BT 384.60 495.10 Td (new ) Tj ET Q q 0 0 0 rg BT 403.67 495.10 Td (store ) Tj ET Q q 0 0 0 rg BT 425.52 495.10 Td (openings ) Tj ET Q q 0 0 0 rg BT 464.04 495.10 Td (over ) Tj ET Q q 0 0 0 rg BT 484.23 495.10 Td (the ) Tj ET Q q 0 0 0 rg BT 498.86 495.10 Td (past ) Tj ET Q q 0 0 0 rg BT 517.38 495.10 Td (12 ) Tj ET Q q 0 0 0 rg BT 529.79 495.10 Td (months;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 477.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 477.10 Td (A) Tj ET Q q 0 0 0 rg BT 92.17 477.10 Td (2.0%increase ) Tj ET Q q 0 0 0 rg BT 153.10 477.10 Td (in ) Tj ET Q q 0 0 0 rg BT 163.21 477.10 Td (char) Tj ET Q q 0 0 0 rg BT 180.24 477.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 201.16 477.10 Td (fs, ) Tj ET Q q 0 0 0 rg BT 213.22 477.10 Td (net ) Tj ET Q q 0 0 0 rg BT 227.78 477.10 Td (of ) Tj ET Q q 0 0 0 rg BT 238.45 477.10 Td (recoveries, ) Tj ET Q q 0 0 0 rg BT 284.38 477.10 Td (as ) Tj ET Q q 0 0 0 rg BT 295.05 477.10 Td (a ) Tj ET Q q 0 0 0 rg BT 301.83 477.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 347.47 477.10 Td (of ) Tj ET Q q 0 0 0 rg BT 358.14 477.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.70 477.10 Td (average ) Tj ET Q q 0 0 0 rg BT 406.13 477.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 445.12 477.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 482.46 477.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 515.33 477.10 Td (outstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 465.10 Td (in ) Tj ET Q q 0 0 0 rg BT 95.78 465.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 119.93 465.10 Td (year ) Tj ET Q q 0 0 0 rg BT 139.64 465.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 162.14 465.10 Td (as ) Tj ET Q q 0 0 0 rg BT 172.97 465.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 214.89 465.10 Td (to ) Tj ET Q q 0 0 0 rg BT 225.17 465.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 249.33 465.10 Td (year ) Tj ET Q q 0 0 0 rg BT 269.04 465.10 Td (2016; ) Tj ET Q q 0 0 0 rg BT 294.31 465.10 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 447.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 447.10 Td (A) Tj ET Q q 0 0 0 rg BT 92.17 447.10 Td ( ) Tj ET Q q 0 0 0 rg BT 94.99 447.10 Td (1.5% ) Tj ET Q q 0 0 0 rg BT 118.64 447.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 154.22 447.10 Td (in ) Tj ET Q q 0 0 0 rg BT 164.82 447.10 Td (the ) Tj ET Q q 0 0 0 rg BT 179.86 447.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 223.21 447.10 Td (for ) Tj ET Q q 0 0 0 rg BT 237.70 447.10 Td (bad ) Tj ET Q q 0 0 0 rg BT 254.96 447.10 Td (debts ) Tj ET Q q 0 0 0 rg BT 278.89 447.10 Td (as ) Tj ET Q q 0 0 0 rg BT 290.04 447.10 Td (a ) Tj ET Q q 0 0 0 rg BT 297.30 447.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 343.42 447.10 Td (of ) Tj ET Q q 0 0 0 rg BT 354.58 447.10 Td (the ) Tj ET Q q 0 0 0 rg BT 369.62 447.10 Td (total ) Tj ET Q q 0 0 0 rg BT 390.21 447.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 429.69 447.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 467.51 447.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 500.86 447.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 550.35 447.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 435.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 110.26 435.10 Td (year ) Tj ET Q q 0 0 0 rg BT 130.56 435.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 153.66 435.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 196.19 435.10 Td (to ) Tj ET Q q 0 0 0 rg BT 207.07 435.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 231.82 435.10 Td (year ) Tj ET Q q 0 0 0 rg BT 252.13 435.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 277.73 435.10 Td (which ) Tj ET Q q 0 0 0 rg BT 305.27 435.10 Td (was ) Tj ET Q q 0 0 0 rg BT 323.92 435.10 Td (impacted ) Tj ET Q q 0 0 0 rg BT 363.67 435.10 Td (by ) Tj ET Q q 0 0 0 rg BT 376.77 435.10 Td (an ) Tj ET Q q 0 0 0 rg BT 389.31 435.10 Td (18.0% ) Tj ET Q q 0 0 0 rg BT 418.24 435.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 454.10 435.10 Td (in ) Tj ET Q q 0 0 0 rg BT 464.98 435.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.29 435.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 513.93 435.10 Td (of ) Tj ET Q q 0 0 0 rg BT 525.36 435.10 Td (customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 423.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 132.97 423.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 176.00 423.10 Td (for ) Tj ET Q q 0 0 0 rg BT 190.16 423.10 Td (as ) Tj ET Q q 0 0 0 rg BT 200.99 423.10 Td (troubled ) Tj ET Q q 0 0 0 rg BT 236.82 423.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 256.54 423.10 Td (restructurings.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 405.10 Td (Charges ) Tj ET Q q 0 0 0 rg BT 86.45 405.10 Td (and ) Tj ET Q q 0 0 0 rg BT 104.51 405.10 Td (Credits) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 360.60 308.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.00 360.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 360.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 360.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 360.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 360.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 325.60 308.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.00 325.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 325.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 325.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 325.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 325.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 297.60 308.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.00 297.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 297.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 297.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 297.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 297.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 269.60 308.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.00 269.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 269.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 269.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 269.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 269.60 65.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358 374.6 m 424 374.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 374.6 m 428 374.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 374.6 m 493 374.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358 360.6 m 424 360.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 360.6 m 493 360.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 360.6 m 562 360.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358 360.6 m 424 360.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 360.6 m 493 360.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358 269.6 m 424 269.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 269.6 m 493 269.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358 269.6 m 424 269.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358 256.6 m 424 256.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358 254.60000000000002 m 424 254.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 269.6 m 493 269.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 256.6 m 493 256.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 254.60000000000002 m 493 254.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 269.6 m 562 269.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 256.6 m 562 256.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 254.60000000000002 m 562 254.60000000000002 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 379.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.50 379.28 Td (Y) Tj ET Q q 0 0 0 rg BT 381.17 379.28 Td (ear) Tj ET Q q 0 0 0 rg BT 394.40 379.28 Td ( ended January 31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 379.17 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 365.16 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.50 365.28 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.00 365.28 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 512.60 365.28 Td (Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 351.17 Td (Store and facility closure costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.50 351.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 351.17 Td (1,089) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 351.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.15 351.17 Td (637) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 351.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 351.17 Td (452) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 337.17 Td (Legal and professional fees related to the exploration of strategic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 327.22 Td (alternative and securities-related litigation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.15 330.27 Td (101) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 330.27 Td (3,153) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 330.32 Td (\(3,052) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 330.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 316.17 Td (Indirect tax audit reserve) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 316.17 Td (1,434) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 316.17 Td (2,748) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 316.22 Td (\(1,314) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 316.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 302.17 Td (Executive management transition costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.15 302.17 Td (234) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 302.17 Td (1,506) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 302.22 Td (\(1,272) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 302.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 288.17 Td (Impairment from disposal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 288.17 Td (1,986) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 288.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 288.17 Td (1,986) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 274.17 Td (Employee severance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 274.17 Td (1,634) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 274.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 274.17 Td (1,634) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.50 260.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 260.17 Td (6,478) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 260.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 260.17 Td (8,044) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 260.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 260.22 Td (\(1,566) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 260.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.10 Td (During ) Tj ET Q q 0 0 0 rg BT 79.62 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 93.63 238.10 Td (year ) Tj ET Q q 0 0 0 rg BT 112.63 238.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 138.29 238.10 Td (January ) Tj ET Q q 0 0 0 rg BT 171.18 238.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 185.48 238.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 209.77 238.10 Td (we ) Tj ET Q q 0 0 0 rg BT 223.22 238.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 258.32 238.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 280.12 238.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 323.00 238.10 Td (with ) Tj ET Q q 0 0 0 rg BT 342.57 238.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 372.68 238.10 Td (closures, ) Tj ET Q q 0 0 0 rg BT 409.74 238.10 Td (retirement ) Tj ET Q q 0 0 0 rg BT 452.62 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 462.74 238.10 Td (leasehold ) Tj ET Q q 0 0 0 rg BT 502.30 238.10 Td (improvements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 226.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 71.30 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 88.11 226.10 Td (professional ) Tj ET Q q 0 0 0 rg BT 139.35 226.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 157.82 226.10 Td (related ) Tj ET Q q 0 0 0 rg BT 187.39 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 197.53 226.10 Td (our ) Tj ET Q q 0 0 0 rg BT 213.23 226.10 Td (securities-related ) Tj ET Q q 0 0 0 rg BT 283.89 226.10 Td (litigation, ) Tj ET Q q 0 0 0 rg BT 324.87 226.10 Td (char) Tj ET Q q 0 0 0 rg BT 341.89 226.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 357.59 226.10 Td (for ) Tj ET Q q 0 0 0 rg BT 371.62 226.10 Td (severance ) Tj ET Q q 0 0 0 rg BT 413.40 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 430.21 226.10 Td (transition ) Tj ET Q q 0 0 0 rg BT 470.35 226.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 492.71 226.10 Td (due ) Tj ET Q q 0 0 0 rg BT 509.52 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 519.66 226.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 554.24 226.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 214.10 Td (our ) Tj ET Q q 0 0 0 rg BT 64.79 214.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 105.07 214.10 Td (management ) Tj ET Q q 0 0 0 rg BT 158.12 214.10 Td (team ) Tj ET Q q 0 0 0 rg BT 179.52 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 195.92 214.10 Td (an ) Tj ET Q q 0 0 0 rg BT 207.33 214.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 242.04 214.10 Td (to ) Tj ET Q q 0 0 0 rg BT 251.79 214.10 Td (our ) Tj ET Q q 0 0 0 rg BT 267.08 214.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 288.48 214.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 302.67 214.10 Td (audit ) Tj ET Q q 0 0 0 rg BT 324.63 214.10 Td (reserve. ) Tj ET Q q 0 0 0 rg BT 357.81 214.10 Td (The ) Tj ET Q q 0 0 0 rg BT 375.33 214.10 Td (retirement ) Tj ET Q q 0 0 0 rg BT 418.38 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 428.67 214.10 Td (leasehold ) Tj ET Q q 0 0 0 rg BT 468.40 214.10 Td (improvements ) Tj ET Q q 0 0 0 rg BT 527.58 214.10 Td (included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.10 Td (write-of) Tj ET Q q 0 0 0 rg BT 81.53 202.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 91.34 202.10 Td (related ) Tj ET Q q 0 0 0 rg BT 121.14 202.10 Td (to ) Tj ET Q q 0 0 0 rg BT 131.52 202.10 Td (two ) Tj ET Q q 0 0 0 rg BT 149.12 202.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 175.04 202.10 Td (we ) Tj ET Q q 0 0 0 rg BT 189.30 202.10 Td (relocated ) Tj ET Q q 0 0 0 rg BT 228.54 202.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 250.57 202.10 Td (to ) Tj ET Q q 0 0 0 rg BT 260.95 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 275.76 202.10 Td (end ) Tj ET Q q 0 0 0 rg BT 292.79 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 303.72 202.10 Td (their ) Tj ET Q q 0 0 0 rg BT 324.64 202.10 Td (useful ) Tj ET Q q 0 0 0 rg BT 351.68 202.10 Td (lives ) Tj ET Q q 0 0 0 rg BT 373.16 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 390.20 202.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 426.11 202.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 448.71 202.10 Td (for ) Tj ET Q q 0 0 0 rg BT 462.96 202.10 Td (terminated ) Tj ET Q q 0 0 0 rg BT 508.32 202.10 Td (store ) Tj ET Q q 0 0 0 rg BT 530.35 202.10 Td (projects ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 190.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 71.15 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 81.14 190.10 Td (starting ) Tj ET Q q 0 0 0 rg BT 113.34 190.10 Td (construction. ) Tj ET Q q 0 0 0 rg BT 167.49 190.10 Td (During ) Tj ET Q q 0 0 0 rg BT 198.03 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 212.46 190.10 Td (year ) Tj ET Q q 0 0 0 rg BT 231.88 190.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 257.96 190.10 Td (January ) Tj ET Q q 0 0 0 rg BT 291.27 190.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 305.98 190.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 330.70 190.10 Td (we ) Tj ET Q q 0 0 0 rg BT 344.57 190.10 Td (had ) Tj ET Q q 0 0 0 rg BT 361.22 190.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 383.43 190.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 426.73 190.10 Td (with ) Tj ET Q q 0 0 0 rg BT 446.72 190.10 Td (char) Tj ET Q q 0 0 0 rg BT 463.75 190.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 479.29 190.10 Td (related ) Tj ET Q q 0 0 0 rg BT 508.70 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 518.69 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 533.12 190.10 Td (closing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 59.26 178.10 Td (under) Tj ET Q q 0 0 0 rg BT 81.83 178.10 Td (-performing ) Tj ET Q q 0 0 0 rg BT 131.57 178.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 153.54 178.10 Td (locations, ) Tj ET Q q 0 0 0 rg BT 193.58 178.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 214.44 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 230.31 178.10 Td (professional ) Tj ET Q q 0 0 0 rg BT 280.62 178.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 298.14 178.10 Td (related ) Tj ET Q q 0 0 0 rg BT 326.78 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 335.98 178.10 Td (our ) Tj ET Q q 0 0 0 rg BT 350.74 178.10 Td (exploration ) Tj ET Q q 0 0 0 rg BT 397.72 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 407.48 178.10 Td (strategic ) Tj ET Q q 0 0 0 rg BT 442.78 178.10 Td (alternatives ) Tj ET Q q 0 0 0 rg BT 490.30 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 506.16 178.10 Td (our ) Tj ET Q q 0 0 0 rg BT 520.92 178.10 Td (securities-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.10 Td (related ) Tj ET Q q 0 0 0 rg BT 79.20 166.10 Td (litigation, ) Tj ET Q q 0 0 0 rg BT 120.31 166.10 Td (transition ) Tj ET Q q 0 0 0 rg BT 160.58 166.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 183.08 166.10 Td (due ) Tj ET Q q 0 0 0 rg BT 200.02 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 210.30 166.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 245.01 166.10 Td (in ) Tj ET Q q 0 0 0 rg BT 255.29 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 270.00 166.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 310.81 166.10 Td (management ) Tj ET Q q 0 0 0 rg BT 364.40 166.10 Td (team, ) Tj ET Q q 0 0 0 rg BT 388.84 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 405.77 166.10 Td (we ) Tj ET Q q 0 0 0 rg BT 419.93 166.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 457.41 166.10 Td (a ) Tj ET Q q 0 0 0 rg BT 464.35 166.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 486.29 166.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 501.00 166.10 Td (audit ) Tj ET Q q 0 0 0 rg BT 523.50 166.10 Td (reserve.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 142.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 83.67 142.10 Td (Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.67 142.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 124.10 Td (For ) Tj ET Q q 0 0 0 rg BT 65.90 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 80.63 124.10 Td (year ) Tj ET Q q 0 0 0 rg BT 100.35 124.10 Td (endedJanuary31, ) Tj ET Q q 0 0 0 rg BT 175.34 124.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 200.35 124.10 Td (net ) Tj ET Q q 0 0 0 rg BT 215.08 124.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 247.02 124.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 281.74 124.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 322.00 124.10 Td (by$35.5 ) Tj ET Q q 0 0 0 rg BT 359.51 124.10 Td (millionfrom ) Tj ET Q q 0 0 0 rg BT 412.86 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 427.58 124.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 449.53 124.10 Td (year ) Tj ET Q q 0 0 0 rg BT 469.25 124.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 508.98 124.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 549.80 124.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 112.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 84.75 112.10 Td (in ) Tj ET Q q 0 0 0 rg BT 95.03 112.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 144.20 112.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 163.91 112.10 Td (and ) Tj ET Q q 0 0 0 rg BT 180.85 112.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 208.35 112.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 261.94 112.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 285.54 112.10 Td (by ) Tj ET Q q 0 0 0 rg BT 298.04 112.10 Td (our ) Tj ET Q q 0 0 0 rg BT 313.88 112.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 366.74 112.10 Td (VIEs.) Tj ET Q endstream endobj 93 0 obj <>] /Rotate 0 /Contents 94 0 R>> endobj 94 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (45) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 742.25 Td (\(Benefit\) ) Tj ET Q q 0 0 0 rg BT 88.66 742.25 Td (Provision ) Tj ET Q q 0 0 0 rg BT 130.60 742.25 Td (for ) Tj ET Q q 0 0 0 rg BT 145.33 742.25 Td (Income ) Tj ET Q q 0 0 0 rg BT 178.93 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 184.12 742.25 Td (axes) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 695.75 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.25 695.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.25 695.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.25 695.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.25 695.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.25 695.75 65.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.25 710.75 m 423.25 710.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.25 710.75 m 427.25 710.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 710.75 m 492.25 710.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.25 695.75 m 423.25 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.25 681.75 m 423.25 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.25 679.75 m 423.25 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 695.75 m 492.25 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 681.75 m 492.25 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 679.75 m 492.25 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.25 695.75 m 561.25 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.25 681.75 m 561.25 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.25 679.75 m 561.25 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.25 679.75 m 423.25 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.25 681.75 m 423.25 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 679.75 m 492.25 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.25 681.75 m 492.25 681.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.75 715.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.25 715.43 Td (Y) Tj ET Q q 0 0 0 rg BT 380.92 715.43 Td (ear) Tj ET Q q 0 0 0 rg BT 394.15 715.43 Td ( ended January 31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.75 715.42 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 51.75 700.46 Td (\(dollars in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.25 700.43 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 449.25 700.43 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 511.85 700.43 Td (Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 685.42 Td (\(Benefit\) provision for income taxes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.75 685.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.55 685.47 Td (\(8,955) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.40 685.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.75 685.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.90 685.42 Td (18,388) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.75 685.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.55 685.47 Td (\(27,343) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.40 685.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 666.42 Td (As a percent of income before income taxes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.90 666.42 Td (25.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.40 666.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.90 666.42 Td (37.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.40 666.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.75 666.42 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 644.25 Td (The decrease in the income tax rate for the year endedJanuary31, 2017compared to the year ended January 31, 2016 primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 632.25 Td (related to:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 620.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 620.25 Td (A) Tj ET Q q 0 0 0 rg BT 92.17 620.25 Td ( ) Tj ET Q q 0 0 0 rg BT 95.00 620.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 113.39 620.25 Td (before ) Tj ET Q q 0 0 0 rg BT 141.75 620.25 Td (income ) Tj ET Q q 0 0 0 rg BT 174.02 620.25 Td (taxes ) Tj ET Q q 0 0 0 rg BT 197.39 620.25 Td (of ) Tj ET Q q 0 0 0 rg BT 208.55 620.25 Td ($34.5 ) Tj ET Q q 0 0 0 rg BT 233.88 620.25 Td (million ) Tj ET Q q 0 0 0 rg BT 265.60 620.25 Td (resulting ) Tj ET Q q 0 0 0 rg BT 303.42 620.25 Td (in ) Tj ET Q q 0 0 0 rg BT 314.03 620.25 Td (a ) Tj ET Q q 0 0 0 rg BT 321.30 620.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 336.34 620.25 Td (benefit ) Tj ET Q q 0 0 0 rg BT 366.94 620.25 Td (of ) Tj ET Q q 0 0 0 rg BT 378.09 620.25 Td ($9.0 ) Tj ET Q q 0 0 0 rg BT 398.42 620.25 Td (million ) Tj ET Q q 0 0 0 rg BT 430.14 620.25 Td (for ) Tj ET Q q 0 0 0 rg BT 444.63 620.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 469.12 620.25 Td (year ) Tj ET Q q 0 0 0 rg BT 489.15 620.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 511.98 620.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 554.23 620.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 608.25 Td (income ) Tj ET Q q 0 0 0 rg BT 117.10 608.25 Td (before ) Tj ET Q q 0 0 0 rg BT 144.80 608.25 Td (taxes ) Tj ET Q q 0 0 0 rg BT 167.51 608.25 Td (of ) Tj ET Q q 0 0 0 rg BT 178.01 608.25 Td ($49.2 ) Tj ET Q q 0 0 0 rg BT 202.67 608.25 Td (million ) Tj ET Q q 0 0 0 rg BT 233.73 608.25 Td (resulting ) Tj ET Q q 0 0 0 rg BT 270.89 608.25 Td (in ) Tj ET Q q 0 0 0 rg BT 280.83 608.25 Td (a ) Tj ET Q q 0 0 0 rg BT 287.43 608.25 Td (provision ) Tj ET Q q 0 0 0 rg BT 327.38 608.25 Td (for ) Tj ET Q q 0 0 0 rg BT 341.20 608.25 Td (incomes ) Tj ET Q q 0 0 0 rg BT 376.69 608.25 Td (taxes ) Tj ET Q q 0 0 0 rg BT 399.40 608.25 Td (of ) Tj ET Q q 0 0 0 rg BT 409.90 608.25 Td ($18.4 ) Tj ET Q q 0 0 0 rg BT 434.56 608.25 Td (million ) Tj ET Q q 0 0 0 rg BT 465.62 608.25 Td (for ) Tj ET Q q 0 0 0 rg BT 479.44 608.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 503.26 608.25 Td (year ) Tj ET Q q 0 0 0 rg BT 522.63 608.25 Td (2016; ) Tj ET Q q 0 0 0 rg BT 547.58 608.25 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 590.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 590.25 Td (Adjustments ) Tj ET Q q 0 0 0 rg BT 137.50 590.25 Td (made ) Tj ET Q q 0 0 0 rg BT 160.59 590.25 Td (to ) Tj ET Q q 0 0 0 rg BT 169.81 590.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 204.55 590.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 218.21 590.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 254.07 590.25 Td (in ) Tj ET Q q 0 0 0 rg BT 263.29 590.25 Td (connection ) Tj ET Q q 0 0 0 rg BT 308.60 590.25 Td (with ) Tj ET Q q 0 0 0 rg BT 327.82 590.25 Td (our ) Tj ET Q q 0 0 0 rg BT 342.59 590.25 Td (state ) Tj ET Q q 0 0 0 rg BT 362.35 590.25 Td (taxes ) Tj ET Q q 0 0 0 rg BT 384.34 590.25 Td (as ) Tj ET Q q 0 0 0 rg BT 394.11 590.25 Td (more ) Tj ET Q q 0 0 0 rg BT 416.10 590.25 Td (information ) Tj ET Q q 0 0 0 rg BT 464.75 590.25 Td (became ) Tj ET Q q 0 0 0 rg BT 496.72 590.25 Td (readily ) Tj ET Q q 0 0 0 rg BT 525.92 590.25 Td (available ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 578.25 Td (resulting ) Tj ET Q q 0 0 0 rg BT 123.00 578.25 Td (in ) Tj ET Q q 0 0 0 rg BT 133.27 578.25 Td (a ) Tj ET Q q 0 0 0 rg BT 140.21 578.25 Td (reduction ) Tj ET Q q 0 0 0 rg BT 180.48 578.25 Td (of ) Tj ET Q q 0 0 0 rg BT 191.31 578.25 Td (income ) Tj ET Q q 0 0 0 rg BT 223.24 578.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 237.96 578.25 Td (benefit ) Tj ET Q q 0 0 0 rg BT 268.22 578.25 Td (of ) Tj ET Q q 0 0 0 rg BT 279.05 578.25 Td ($2.4 ) Tj ET Q q 0 0 0 rg BT 299.05 578.25 Td (million ) Tj ET Q q 0 0 0 rg BT 330.44 578.25 Td (for ) Tj ET Q q 0 0 0 rg BT 344.60 578.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 368.76 578.25 Td (year ) Tj ET Q q 0 0 0 rg BT 388.46 578.25 Td (2017.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 548.25 Td (Impact ) Tj ET Q q 0 0 0 rg BT 83.05 548.25 Td (of ) Tj ET Q q 0 0 0 rg BT 93.88 548.25 Td (Inflation ) Tj ET Q q 0 0 0 rg BT 133.61 548.25 Td (and ) Tj ET Q q 0 0 0 rg BT 152.24 548.25 Td (Changing ) Tj ET Q q 0 0 0 rg BT 196.42 548.25 Td (Prices) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.51 548.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 530.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 530.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.19 530.25 Td (do ) Tj ET Q q 0 0 0 rg BT 77.30 530.25 Td (not ) Tj ET Q q 0 0 0 rg BT 92.19 530.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 123.17 530.25 Td (that ) Tj ET Q q 0 0 0 rg BT 140.28 530.25 Td (inflation ) Tj ET Q q 0 0 0 rg BT 176.27 530.25 Td (has ) Tj ET Q q 0 0 0 rg BT 191.72 530.25 Td (had ) Tj ET Q q 0 0 0 rg BT 208.27 530.25 Td (a ) Tj ET Q q 0 0 0 rg BT 214.82 530.25 Td (material ) Tj ET Q q 0 0 0 rg BT 249.69 530.25 Td (ef) Tj ET Q q 0 0 0 rg BT 257.28 530.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 274.37 530.25 Td (on ) Tj ET Q q 0 0 0 rg BT 286.48 530.25 Td (our ) Tj ET Q q 0 0 0 rg BT 301.93 530.25 Td (net ) Tj ET Q q 0 0 0 rg BT 316.25 530.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 337.81 530.25 Td (or ) Tj ET Q q 0 0 0 rg BT 348.25 530.25 Td (results ) Tj ET Q q 0 0 0 rg BT 376.47 530.25 Td (of ) Tj ET Q q 0 0 0 rg BT 386.91 530.25 Td (operations. ) Tj ET Q q 0 0 0 rg BT 433.18 530.25 Td ( ) Tj ET Q q 0 0 0 rg BT 435.29 530.25 Td (However) Tj ET Q q 0 0 0 rg BT 471.54 530.25 Td (, ) Tj ET Q q 0 0 0 rg BT 476.15 530.25 Td (price ) Tj ET Q q 0 0 0 rg BT 498.25 530.25 Td (deflation ) Tj ET Q q 0 0 0 rg BT 535.90 530.25 Td (during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 518.25 Td (the ) Tj ET Q q 0 0 0 rg BT 65.43 518.25 Td (last ) Tj ET Q q 0 0 0 rg BT 82.54 518.25 Td (three ) Tj ET Q q 0 0 0 rg BT 105.74 518.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 130.62 518.25 Td (years, ) Tj ET Q q 0 0 0 rg BT 157.43 518.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 197.86 518.25 Td (in ) Tj ET Q q 0 0 0 rg BT 208.86 518.25 Td (the ) Tj ET Q q 0 0 0 rg BT 224.29 518.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 266.39 518.25 Td (electronics ) Tj ET Q q 0 0 0 rg BT 312.92 518.25 Td (industry) Tj ET Q q 0 0 0 rg BT 345.04 518.25 Td (, ) Tj ET Q q 0 0 0 rg BT 350.76 518.25 Td (has ) Tj ET Q q 0 0 0 rg BT 367.31 518.25 Td (negatively ) Tj ET Q q 0 0 0 rg BT 412.18 518.25 Td (impacted ) Tj ET Q q 0 0 0 rg BT 452.05 518.25 Td (our ) Tj ET Q q 0 0 0 rg BT 468.59 518.25 Td (net ) Tj ET Q q 0 0 0 rg BT 484.03 518.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 506.68 518.25 Td (and ) Tj ET Q q 0 0 0 rg BT 524.34 518.25 Td (results ) Tj ET Q q 0 0 0 rg BT 553.67 518.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 506.25 Td (operations. ) Tj ET Q q 0 0 0 rg BT 96.26 506.25 Td ( ) Tj ET Q q 0 0 0 rg BT 98.37 506.25 Td (Significant ) Tj ET Q q 0 0 0 rg BT 144.35 506.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 183.11 506.25 Td (in ) Tj ET Q q 0 0 0 rg BT 192.99 506.25 Td (oil ) Tj ET Q q 0 0 0 rg BT 205.65 506.25 Td (and ) Tj ET Q q 0 0 0 rg BT 222.20 506.25 Td (gasoline ) Tj ET Q q 0 0 0 rg BT 257.63 506.25 Td (prices ) Tj ET Q q 0 0 0 rg BT 283.61 506.25 Td (could ) Tj ET Q q 0 0 0 rg BT 307.93 506.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 348.36 506.25 Td (af) Tj ET Q q 0 0 0 rg BT 355.94 506.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 373.04 506.25 Td (our ) Tj ET Q q 0 0 0 rg BT 388.47 506.25 Td (customers' ) Tj ET Q q 0 0 0 rg BT 432.93 506.25 Td (shopping ) Tj ET Q q 0 0 0 rg BT 471.70 506.25 Td (decisions ) Tj ET Q q 0 0 0 rg BT 511.02 506.25 Td (and ) Tj ET Q q 0 0 0 rg BT 527.57 506.25 Td (payment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 494.25 Td (patterns. ) Tj ET Q q 0 0 0 rg BT 86.41 494.25 Td (W) Tj ET Q q 0 0 0 rg BT 95.04 494.25 Td (e ) Tj ET Q q 0 0 0 rg BT 101.91 494.25 Td (rely ) Tj ET Q q 0 0 0 rg BT 119.88 494.25 Td (heavily ) Tj ET Q q 0 0 0 rg BT 151.74 494.25 Td (on ) Tj ET Q q 0 0 0 rg BT 164.17 494.25 Td (our ) Tj ET Q q 0 0 0 rg BT 179.93 494.25 Td (distribution ) Tj ET Q q 0 0 0 rg BT 228.47 494.25 Td (system ) Tj ET Q q 0 0 0 rg BT 258.67 494.25 Td (and ) Tj ET Q q 0 0 0 rg BT 275.54 494.25 Td (our ) Tj ET Q q 0 0 0 rg BT 291.29 494.25 Td (next ) Tj ET Q q 0 0 0 rg BT 310.94 494.25 Td (day ) Tj ET Q q 0 0 0 rg BT 327.80 494.25 Td (delivery ) Tj ET Q q 0 0 0 rg BT 362.99 494.25 Td (policy ) Tj ET Q q 0 0 0 rg BT 390.42 494.25 Td (to ) Tj ET Q q 0 0 0 rg BT 400.62 494.25 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 429.16 494.25 Td (our ) Tj ET Q q 0 0 0 rg BT 444.91 494.25 Td (customers' ) Tj ET Q q 0 0 0 rg BT 489.69 494.25 Td (needs ) Tj ET Q q 0 0 0 rg BT 514.88 494.25 Td (and ) Tj ET Q q 0 0 0 rg BT 531.75 494.25 Td (desires, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 482.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.77 482.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 107.74 482.25 Td (in ) Tj ET Q q 0 0 0 rg BT 118.84 482.25 Td (oil ) Tj ET Q q 0 0 0 rg BT 132.73 482.25 Td (and ) Tj ET Q q 0 0 0 rg BT 150.49 482.25 Td (gasoline ) Tj ET Q q 0 0 0 rg BT 187.14 482.25 Td (prices ) Tj ET Q q 0 0 0 rg BT 214.35 482.25 Td (could ) Tj ET Q q 0 0 0 rg BT 239.89 482.25 Td (result ) Tj ET Q q 0 0 0 rg BT 265.43 482.25 Td (in ) Tj ET Q q 0 0 0 rg BT 276.54 482.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 317.62 482.25 Td (distribution ) Tj ET Q q 0 0 0 rg BT 367.06 482.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 390.39 482.25 Td (and ) Tj ET Q q 0 0 0 rg BT 408.15 482.25 Td (delivery ) Tj ET Q q 0 0 0 rg BT 444.24 482.25 Td (char) Tj ET Q q 0 0 0 rg BT 461.27 482.25 Td (ges. ) Tj ET Q q 0 0 0 rg BT 480.42 482.25 Td ( ) Tj ET Q q 0 0 0 rg BT 483.75 482.25 Td (If ) Tj ET Q q 0 0 0 rg BT 493.74 482.25 Td (we ) Tj ET Q q 0 0 0 rg BT 508.72 482.25 Td (are ) Tj ET Q q 0 0 0 rg BT 524.26 482.25 Td (unable ) Tj ET Q q 0 0 0 rg BT 554.24 482.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 470.25 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 470.25 Td (fectively ) Tj ET Q q 0 0 0 rg BT 95.13 470.25 Td (pass ) Tj ET Q q 0 0 0 rg BT 114.91 470.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 155.22 470.25 Td (transportation ) Tj ET Q q 0 0 0 rg BT 213.33 470.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 235.89 470.25 Td (on ) Tj ET Q q 0 0 0 rg BT 248.45 470.25 Td (to ) Tj ET Q q 0 0 0 rg BT 258.78 470.25 Td (the ) Tj ET Q q 0 0 0 rg BT 273.56 470.25 Td (consumer) Tj ET Q q 0 0 0 rg BT 312.04 470.25 Td (, ) Tj ET Q q 0 0 0 rg BT 317.10 470.25 Td (either ) Tj ET Q q 0 0 0 rg BT 342.42 470.25 Td (by ) Tj ET Q q 0 0 0 rg BT 354.98 470.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 395.30 470.25 Td (delivery ) Tj ET Q q 0 0 0 rg BT 430.62 470.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 453.18 470.25 Td (or ) Tj ET Q q 0 0 0 rg BT 464.07 470.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 492.18 470.25 Td (prices, ) Tj ET Q q 0 0 0 rg BT 521.11 470.25 Td (such ) Tj ET Q q 0 0 0 rg BT 542.00 470.25 Td (costs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 458.25 Td (could ) Tj ET Q q 0 0 0 rg BT 75.47 458.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 117.03 458.25 Td (af) Tj ET Q q 0 0 0 rg BT 124.62 458.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 142.85 458.25 Td (our ) Tj ET Q q 0 0 0 rg BT 159.43 458.25 Td (results ) Tj ET Q q 0 0 0 rg BT 188.79 458.25 Td (of ) Tj ET Q q 0 0 0 rg BT 200.37 458.25 Td (operations. ) Tj ET Q q 0 0 0 rg BT 247.77 458.25 Td ( ) Tj ET Q q 0 0 0 rg BT 251.02 458.25 Td (Conversely) Tj ET Q q 0 0 0 rg BT 295.92 458.25 Td (, ) Tj ET Q q 0 0 0 rg BT 301.66 458.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 347.12 458.25 Td (decreases ) Tj ET Q q 0 0 0 rg BT 388.68 458.25 Td (in ) Tj ET Q q 0 0 0 rg BT 399.71 458.25 Td (oil ) Tj ET Q q 0 0 0 rg BT 413.51 458.25 Td (and ) Tj ET Q q 0 0 0 rg BT 431.20 458.25 Td (gasoline ) Tj ET Q q 0 0 0 rg BT 467.77 458.25 Td (prices ) Tj ET Q q 0 0 0 rg BT 494.90 458.25 Td (could ) Tj ET Q q 0 0 0 rg BT 520.36 458.25 Td (negatively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 446.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 79.27 446.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 108.53 446.25 Td (local ) Tj ET Q q 0 0 0 rg BT 130.02 446.25 Td (economies ) Tj ET Q q 0 0 0 rg BT 174.84 446.25 Td (in ) Tj ET Q q 0 0 0 rg BT 184.68 446.25 Td (regions ) Tj ET Q q 0 0 0 rg BT 216.17 446.25 Td (in ) Tj ET Q q 0 0 0 rg BT 226.01 446.25 Td (which ) Tj ET Q q 0 0 0 rg BT 252.50 446.25 Td (we ) Tj ET Q q 0 0 0 rg BT 266.22 446.25 Td (have ) Tj ET Q q 0 0 0 rg BT 287.15 446.25 Td (stores, ) Tj ET Q q 0 0 0 rg BT 315.04 446.25 Td (impacting ) Tj ET Q q 0 0 0 rg BT 357.09 446.25 Td (our ) Tj ET Q q 0 0 0 rg BT 372.48 446.25 Td (customer's ) Tj ET Q q 0 0 0 rg BT 416.88 446.25 Td (employment ) Tj ET Q q 0 0 0 rg BT 468.93 446.25 Td (or ) Tj ET Q q 0 0 0 rg BT 479.32 446.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 513.31 446.25 Td (which ) Tj ET Q q 0 0 0 rg BT 539.80 446.25 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 434.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 91.55 434.25 Td (af) Tj ET Q q 0 0 0 rg BT 99.13 434.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 117.35 434.25 Td (our ) Tj ET Q q 0 0 0 rg BT 133.91 434.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 156.58 434.25 Td (and ) Tj ET Q q 0 0 0 rg BT 174.25 434.25 Td (collection ) Tj ET Q q 0 0 0 rg BT 216.90 434.25 Td (of ) Tj ET Q q 0 0 0 rg BT 228.46 434.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 268.35 434.25 Td (receivables. ) Tj ET Q q 0 0 0 rg BT 319.05 434.25 Td ( ) Tj ET Q q 0 0 0 rg BT 322.28 434.25 Td (In ) Tj ET Q q 0 0 0 rg BT 333.84 434.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 372.34 434.25 Td (the ) Tj ET Q q 0 0 0 rg BT 387.79 434.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 407.13 434.25 Td (of ) Tj ET Q q 0 0 0 rg BT 418.69 434.25 Td (items ) Tj ET Q q 0 0 0 rg BT 443.58 434.25 Td (we ) Tj ET Q q 0 0 0 rg BT 458.47 434.25 Td (purchase ) Tj ET Q q 0 0 0 rg BT 497.24 434.25 Td (may ) Tj ET Q q 0 0 0 rg BT 517.69 434.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 553.67 434.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 422.25 Td (shortages ) Tj ET Q q 0 0 0 rg BT 90.44 422.25 Td (of ) Tj ET Q q 0 0 0 rg BT 101.43 422.25 Td (these ) Tj ET Q q 0 0 0 rg BT 124.65 422.25 Td (items ) Tj ET Q q 0 0 0 rg BT 148.98 422.25 Td (may ) Tj ET Q q 0 0 0 rg BT 168.86 422.25 Td (arise ) Tj ET Q q 0 0 0 rg BT 190.41 422.25 Td (as ) Tj ET Q q 0 0 0 rg BT 201.41 422.25 Td (a ) Tj ET Q q 0 0 0 rg BT 208.51 422.25 Td (result ) Tj ET Q q 0 0 0 rg BT 233.40 422.25 Td (of ) Tj ET Q q 0 0 0 rg BT 244.39 422.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 279.27 422.25 Td (in ) Tj ET Q q 0 0 0 rg BT 289.71 422.25 Td (trade ) Tj ET Q q 0 0 0 rg BT 312.37 422.25 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 361.97 422.25 Td (currency ) Tj ET Q q 0 0 0 rg BT 399.61 422.25 Td (fluctuations, ) Tj ET Q q 0 0 0 rg BT 451.99 422.25 Td (border ) Tj ET Q q 0 0 0 rg BT 480.76 422.25 Td (taxes, ) Tj ET Q q 0 0 0 rg BT 506.47 422.25 Td (import ) Tj ET Q q 0 0 0 rg BT 535.80 422.25 Td (tarif) Tj ET Q q 0 0 0 rg BT 552.28 422.25 Td (fs, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 410.25 Td (or ) Tj ET Q q 0 0 0 rg BT 60.83 410.25 Td (other ) Tj ET Q q 0 0 0 rg BT 83.88 410.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 113.58 410.25 Td (beyond ) Tj ET Q q 0 0 0 rg BT 145.52 410.25 Td (our ) Tj ET Q q 0 0 0 rg BT 161.35 410.25 Td (control. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 392.25 Td (Seasonality ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 374.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 67.88 374.25 Td (business ) Tj ET Q q 0 0 0 rg BT 104.09 374.25 Td (is ) Tj ET Q q 0 0 0 rg BT 113.09 374.25 Td (seasonal ) Tj ET Q q 0 0 0 rg BT 149.29 374.25 Td (with ) Tj ET Q q 0 0 0 rg BT 169.39 374.25 Td (a ) Tj ET Q q 0 0 0 rg BT 176.15 374.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 204.02 374.25 Td (portion ) Tj ET Q q 0 0 0 rg BT 235.23 374.25 Td (of ) Tj ET Q q 0 0 0 rg BT 245.89 374.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 267.65 374.25 Td (and ) Tj ET Q q 0 0 0 rg BT 284.41 374.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 324.50 374.25 Td (profit ) Tj ET Q q 0 0 0 rg BT 349.04 374.25 Td (realized ) Tj ET Q q 0 0 0 rg BT 383.01 374.25 Td (during ) Tj ET Q q 0 0 0 rg BT 411.44 374.25 Td (the ) Tj ET Q q 0 0 0 rg BT 425.98 374.25 Td (fourth ) Tj ET Q q 0 0 0 rg BT 452.74 374.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 483.38 374.25 Td (due ) Tj ET Q q 0 0 0 rg BT 500.15 374.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 539.68 374.25 Td (to ) Tj ET Q q 0 0 0 rg BT 549.79 374.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 362.25 Td (holiday ) Tj ET Q q 0 0 0 rg BT 82.10 362.25 Td (selling ) Tj ET Q q 0 0 0 rg BT 110.86 362.25 Td (season. ) Tj ET Q q 0 0 0 rg BT 142.12 362.25 Td (In ) Tj ET Q q 0 0 0 rg BT 152.55 362.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 189.93 362.25 Td (during ) Tj ET Q q 0 0 0 rg BT 218.14 362.25 Td (the ) Tj ET Q q 0 0 0 rg BT 232.46 362.25 Td (first ) Tj ET Q q 0 0 0 rg BT 250.67 362.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 278.58 362.25 Td (, ) Tj ET Q q 0 0 0 rg BT 283.18 362.25 Td (our ) Tj ET Q q 0 0 0 rg BT 298.61 362.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 335.71 362.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 388.33 362.25 Td (benefits ) Tj ET Q q 0 0 0 rg BT 422.09 362.25 Td (from ) Tj ET Q q 0 0 0 rg BT 443.63 362.25 Td (the ) Tj ET Q q 0 0 0 rg BT 457.95 362.25 Td (timing ) Tj ET Q q 0 0 0 rg BT 486.16 362.25 Td (of ) Tj ET Q q 0 0 0 rg BT 496.59 362.25 Td (personal ) Tj ET Q q 0 0 0 rg BT 532.57 362.25 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 350.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 64.72 350.25 Td (refunds ) Tj ET Q q 0 0 0 rg BT 97.21 350.25 Td (received ) Tj ET Q q 0 0 0 rg BT 133.57 350.25 Td (by ) Tj ET Q q 0 0 0 rg BT 146.07 350.25 Td (our ) Tj ET Q q 0 0 0 rg BT 161.90 350.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 204.95 350.25 Td (which ) Tj ET Q q 0 0 0 rg BT 231.88 350.25 Td (typically ) Tj ET Q q 0 0 0 rg BT 269.38 350.25 Td (results ) Tj ET Q q 0 0 0 rg BT 297.98 350.25 Td (in ) Tj ET Q q 0 0 0 rg BT 308.26 350.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 336.31 350.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 356.58 350.25 Td (collection ) Tj ET Q q 0 0 0 rg BT 398.51 350.25 Td (rates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.88 350.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 332.25 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 95.26 332.25 Td (Results ) Tj ET Q q 0 0 0 rg BT 128.88 332.25 Td (of ) Tj ET Q q 0 0 0 rg BT 139.71 332.25 Td (Operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 314.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.05 314.25 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 106.65 314.25 Td (results ) Tj ET Q q 0 0 0 rg BT 135.25 314.25 Td (may ) Tj ET Q q 0 0 0 rg BT 154.97 314.25 Td (fluctuate ) Tj ET Q q 0 0 0 rg BT 192.45 314.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 235.49 314.25 Td (depending ) Tj ET Q q 0 0 0 rg BT 279.64 314.25 Td (on ) Tj ET Q q 0 0 0 rg BT 292.14 314.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 321.85 314.25 Td (such ) Tj ET Q q 0 0 0 rg BT 342.68 314.25 Td (as ) Tj ET Q q 0 0 0 rg BT 353.51 314.25 Td (the ) Tj ET Q q 0 0 0 rg BT 368.23 314.25 Td (following:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 296.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 296.25 Td (timing ) Tj ET Q q 0 0 0 rg BT 114.61 296.25 Td (of ) Tj ET Q q 0 0 0 rg BT 125.44 296.25 Td (new ) Tj ET Q q 0 0 0 rg BT 144.60 296.25 Td (product ) Tj ET Q q 0 0 0 rg BT 177.65 296.25 Td (introductions, ) Tj ET Q q 0 0 0 rg BT 235.42 296.25 Td (new ) Tj ET Q q 0 0 0 rg BT 254.58 296.25 Td (store ) Tj ET Q q 0 0 0 rg BT 276.52 296.25 Td (openings ) Tj ET Q q 0 0 0 rg BT 315.13 296.25 Td (and ) Tj ET Q q 0 0 0 rg BT 332.07 296.25 Td (store ) Tj ET Q q 0 0 0 rg BT 354.01 296.25 Td (relocations;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 278.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 278.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 107.94 278.25 Td (contributed ) Tj ET Q q 0 0 0 rg BT 155.98 278.25 Td (by ) Tj ET Q q 0 0 0 rg BT 168.48 278.25 Td (new ) Tj ET Q q 0 0 0 rg BT 187.64 278.25 Td (stores;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 260.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 260.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 120.71 260.25 Td (in ) Tj ET Q q 0 0 0 rg BT 130.99 260.25 Td (our ) Tj ET Q q 0 0 0 rg BT 146.82 260.25 Td (merchandise ) Tj ET Q q 0 0 0 rg BT 199.85 260.25 Td (mix;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 242.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 242.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 125.15 242.25 Td (or ) Tj ET Q q 0 0 0 rg BT 135.98 242.25 Td (decreases ) Tj ET Q q 0 0 0 rg BT 176.78 242.25 Td (in ) Tj ET Q q 0 0 0 rg BT 187.06 242.25 Td (comparable ) Tj ET Q q 0 0 0 rg BT 236.20 242.25 Td (store ) Tj ET Q q 0 0 0 rg BT 258.14 242.25 Td (sales;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 224.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 224.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 120.71 224.25 Td (in ) Tj ET Q q 0 0 0 rg BT 130.99 224.25 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 182.36 224.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 203.73 224.25 Td (and ) Tj ET Q q 0 0 0 rg BT 220.67 224.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 253.17 224.25 Td (of ) Tj ET Q q 0 0 0 rg BT 264.00 224.25 Td (char) Tj ET Q q 0 0 0 rg BT 281.02 224.25 Td (ge-of) Tj ET Q q 0 0 0 rg BT 301.94 224.25 Td (fs ) Tj ET Q q 0 0 0 rg BT 311.66 224.25 Td (with ) Tj ET Q q 0 0 0 rg BT 331.94 224.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 362.76 224.25 Td (to ) Tj ET Q q 0 0 0 rg BT 373.04 224.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 412.19 224.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 449.68 224.25 Td (receivable;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 206.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 206.25 Td (the ) Tj ET Q q 0 0 0 rg BT 100.72 206.25 Td (pace ) Tj ET Q q 0 0 0 rg BT 121.53 206.25 Td (of ) Tj ET Q q 0 0 0 rg BT 132.36 206.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 163.19 206.25 Td (or ) Tj ET Q q 0 0 0 rg BT 174.02 206.25 Td (decline ) Tj ET Q q 0 0 0 rg BT 205.39 206.25 Td (in ) Tj ET Q q 0 0 0 rg BT 215.67 206.25 Td (the ) Tj ET Q q 0 0 0 rg BT 230.39 206.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 269.54 206.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 307.03 206.25 Td (receivable ) Tj ET Q q 0 0 0 rg BT 350.61 206.25 Td (balance;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 188.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 188.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 119.04 188.25 Td (weather ) Tj ET Q q 0 0 0 rg BT 153.18 188.25 Td (conditions;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 170.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 170.25 Td (shifts ) Tj ET Q q 0 0 0 rg BT 110.17 170.25 Td (in ) Tj ET Q q 0 0 0 rg BT 120.45 170.25 Td (the ) Tj ET Q q 0 0 0 rg BT 135.17 170.25 Td (timing ) Tj ET Q q 0 0 0 rg BT 163.78 170.25 Td (of ) Tj ET Q q 0 0 0 rg BT 174.61 170.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 204.31 170.25 Td (holidays ) Tj ET Q q 0 0 0 rg BT 240.70 170.25 Td (and ) Tj ET Q q 0 0 0 rg BT 257.64 170.25 Td (promotions; ) Tj ET Q q 0 0 0 rg BT 308.47 170.25 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 152.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 152.25 Td (char) Tj ET Q q 0 0 0 rg BT 103.03 152.25 Td (ges ) Tj ET Q q 0 0 0 rg BT 118.86 152.25 Td (incurred ) Tj ET Q q 0 0 0 rg BT 154.67 152.25 Td (in ) Tj ET Q q 0 0 0 rg BT 164.95 152.25 Td (connection ) Tj ET Q q 0 0 0 rg BT 211.32 152.25 Td (with ) Tj ET Q q 0 0 0 rg BT 231.60 152.25 Td (store ) Tj ET Q q 0 0 0 rg BT 253.54 152.25 Td (closures ) Tj ET Q q 0 0 0 rg BT 288.81 152.25 Td (or ) Tj ET Q q 0 0 0 rg BT 299.64 152.25 Td (other ) Tj ET Q q 0 0 0 rg BT 322.68 152.25 Td (non-routine ) Tj ET Q q 0 0 0 rg BT 371.84 152.25 Td (events.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 134.25 Td (Results ) Tj ET Q q 0 0 0 rg BT 82.08 134.25 Td (for ) Tj ET Q q 0 0 0 rg BT 96.37 134.25 Td (any ) Tj ET Q q 0 0 0 rg BT 113.44 134.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 144.39 134.25 Td (are ) Tj ET Q q 0 0 0 rg BT 159.23 134.25 Td (not ) Tj ET Q q 0 0 0 rg BT 174.64 134.25 Td (necessarily ) Tj ET Q q 0 0 0 rg BT 221.69 134.25 Td (indicative ) Tj ET Q q 0 0 0 rg BT 263.75 134.25 Td (of ) Tj ET Q q 0 0 0 rg BT 274.72 134.25 Td (the ) Tj ET Q q 0 0 0 rg BT 289.57 134.25 Td (results ) Tj ET Q q 0 0 0 rg BT 318.31 134.25 Td (that ) Tj ET Q q 0 0 0 rg BT 335.93 134.25 Td (may ) Tj ET Q q 0 0 0 rg BT 355.78 134.25 Td (be ) Tj ET Q q 0 0 0 rg BT 367.85 134.25 Td (achieved ) Tj ET Q q 0 0 0 rg BT 406.02 134.25 Td (for ) Tj ET Q q 0 0 0 rg BT 420.31 134.25 Td (any ) Tj ET Q q 0 0 0 rg BT 437.38 134.25 Td (other ) Tj ET Q q 0 0 0 rg BT 460.56 134.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 491.50 134.25 Td (or ) Tj ET Q q 0 0 0 rg BT 502.47 134.25 Td (for ) Tj ET Q q 0 0 0 rg BT 516.76 134.25 Td (a ) Tj ET Q q 0 0 0 rg BT 523.83 134.25 Td (full ) Tj ET Q q 0 0 0 rg BT 540.35 134.25 Td (fiscal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 122.25 Td (year) Tj ET Q q 0 0 0 rg BT 66.66 122.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 104.25 Td (Customer) Tj ET Q q 0 0 0 rg BT 92.03 104.25 Td ( ) Tj ET Q q 0 0 0 rg BT 94.53 104.25 Td (Receivable ) Tj ET Q q 0 0 0 rg BT 143.13 104.25 Td (Portfolio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 86.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 86.25 Td (e ) Tj ET Q q 0 0 0 rg BT 66.14 86.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 99.76 86.25 Td (in-house ) Tj ET Q q 0 0 0 rg BT 137.26 86.25 Td (financing ) Tj ET Q q 0 0 0 rg BT 178.09 86.25 Td (to ) Tj ET Q q 0 0 0 rg BT 188.94 86.25 Td (individual ) Tj ET Q q 0 0 0 rg BT 232.55 86.25 Td (consumers ) Tj ET Q q 0 0 0 rg BT 278.39 86.25 Td (on ) Tj ET Q q 0 0 0 rg BT 291.46 86.25 Td (a ) Tj ET Q q 0 0 0 rg BT 298.96 86.25 Td (short- ) Tj ET Q q 0 0 0 rg BT 325.36 86.25 Td (and ) Tj ET Q q 0 0 0 rg BT 342.86 86.25 Td (medium-term ) Tj ET Q q 0 0 0 rg BT 400.36 86.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 423.42 86.25 Td (\(contractual ) Tj ET Q q 0 0 0 rg BT 474.24 86.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 499.52 86.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 539.79 86.25 Td (range ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 74.25 Td (from ) Tj ET Q q 0 0 0 rg BT 72.07 74.25 Td (12 ) Tj ET Q q 0 0 0 rg BT 84.71 74.25 Td (to ) Tj ET Q q 0 0 0 rg BT 95.12 74.25 Td (36 ) Tj ET Q q 0 0 0 rg BT 107.76 74.25 Td (months\) ) Tj ET Q q 0 0 0 rg BT 143.17 74.25 Td (for ) Tj ET Q q 0 0 0 rg BT 157.47 74.25 Td (the ) Tj ET Q q 0 0 0 rg BT 172.32 74.25 Td (purchase ) Tj ET Q q 0 0 0 rg BT 210.50 74.25 Td (of ) Tj ET Q q 0 0 0 rg BT 221.46 74.25 Td (durable ) Tj ET Q q 0 0 0 rg BT 254.08 74.25 Td (products ) Tj ET Q q 0 0 0 rg BT 291.16 74.25 Td (for ) Tj ET Q q 0 0 0 rg BT 305.45 74.25 Td (the ) Tj ET Q q 0 0 0 rg BT 320.30 74.25 Td (home. ) Tj ET Q q 0 0 0 rg BT 347.66 74.25 Td ( ) Tj ET Q q 0 0 0 rg BT 349.71 74.25 Td (A) Tj ET Q q 0 0 0 rg BT 356.38 74.25 Td ( ) Tj ET Q q 0 0 0 rg BT 359.02 74.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 403.86 74.25 Td (portion ) Tj ET Q q 0 0 0 rg BT 435.39 74.25 Td (of ) Tj ET Q q 0 0 0 rg BT 446.35 74.25 Td (our ) Tj ET Q q 0 0 0 rg BT 462.32 74.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 501.61 74.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 527.01 74.25 Td (portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 62.25 Td (is ) Tj ET Q q 0 0 0 rg BT 58.75 62.25 Td (due ) Tj ET Q q 0 0 0 rg BT 75.26 62.25 Td (from ) Tj ET Q q 0 0 0 rg BT 96.78 62.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 139.40 62.25 Td (that ) Tj ET Q q 0 0 0 rg BT 156.47 62.25 Td (are ) Tj ET Q q 0 0 0 rg BT 170.76 62.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 216.15 62.25 Td (higher) Tj ET Q q 0 0 0 rg BT 241.49 62.25 Td (-risk, ) Tj ET Q q 0 0 0 rg BT 264.40 62.25 Td (subprime ) Tj ET Q q 0 0 0 rg BT 303.69 62.25 Td (borrowers. ) Tj ET Q q 0 0 0 rg BT 348.81 62.25 Td ( ) Tj ET Q q 0 0 0 rg BT 350.89 62.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 368.52 62.25 Td (financing ) Tj ET Q q 0 0 0 rg BT 408.36 62.25 Td (is ) Tj ET Q q 0 0 0 rg BT 417.11 62.25 Td (executed ) Tj ET Q q 0 0 0 rg BT 454.71 62.25 Td (using ) Tj ET Q q 0 0 0 rg BT 478.46 62.25 Td (contracts ) Tj ET Q q 0 0 0 rg BT 516.63 62.25 Td (that ) Tj ET Q q 0 0 0 rg BT 533.70 62.25 Td (require ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 50.25 Td (fixed ) Tj ET Q q 0 0 0 rg BT 72.61 50.25 Td (monthly ) Tj ET Q q 0 0 0 rg BT 108.02 50.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 148.41 50.25 Td (over ) Tj ET Q q 0 0 0 rg BT 168.24 50.25 Td (fixed ) Tj ET Q q 0 0 0 rg BT 190.86 50.25 Td (terms. ) Tj ET Q q 0 0 0 rg BT 217.49 50.25 Td (W) Tj ET Q q 0 0 0 rg BT 226.13 50.25 Td (e ) Tj ET Q q 0 0 0 rg BT 232.63 50.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 269.69 50.25 Td (a ) Tj ET Q q 0 0 0 rg BT 276.20 50.25 Td (secured ) Tj ET Q q 0 0 0 rg BT 308.80 50.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 340.30 50.25 Td (in ) Tj ET Q q 0 0 0 rg BT 350.15 50.25 Td (the ) Tj ET Q q 0 0 0 rg BT 364.43 50.25 Td (product ) Tj ET Q q 0 0 0 rg BT 397.04 50.25 Td (financed. ) Tj ET Q q 0 0 0 rg BT 436.03 50.25 Td ( ) Tj ET Q q 0 0 0 rg BT 438.10 50.25 Td (If ) Tj ET Q q 0 0 0 rg BT 446.83 50.25 Td (a ) Tj ET Q q 0 0 0 rg BT 453.33 50.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 489.83 50.25 Td (is ) Tj ET Q q 0 0 0 rg BT 498.57 50.25 Td (delayed, ) Tj ET Q q 0 0 0 rg BT 534.23 50.25 Td (missed ) Tj ET Q endstream endobj 95 0 obj <>] /Rotate 0 /Contents 96 0 R>> endobj 96 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (46) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.96 742.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 80.81 742.10 Td (only ) Tj ET Q q 0 0 0 rg BT 101.21 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 111.62 742.10 Td (part, ) Tj ET Q q 0 0 0 rg BT 132.30 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.14 742.10 Td (account ) Tj ET Q q 0 0 0 rg BT 180.87 742.10 Td (becomes ) Tj ET Q q 0 0 0 rg BT 218.48 742.10 Td (delinquent. ) Tj ET Q q 0 0 0 rg BT 265.82 742.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 284.00 742.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 326.06 742.10 Td (personnel ) Tj ET Q q 0 0 0 rg BT 367.57 742.10 Td (attempt ) Tj ET Q q 0 0 0 rg BT 400.19 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 410.60 742.10 Td (contact ) Tj ET Q q 0 0 0 rg BT 442.10 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 449.17 742.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 488.45 742.10 Td (once ) Tj ET Q q 0 0 0 rg BT 509.96 742.10 Td (their ) Tj ET Q q 0 0 0 rg BT 530.91 742.10 Td (account ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (becomes ) Tj ET Q q 0 0 0 rg BT 87.76 730.10 Td (delinquent. ) Tj ET Q q 0 0 0 rg BT 135.25 730.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 153.58 730.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 173.58 730.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 212.45 730.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 252.43 730.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 280.74 730.10 Td (an ) Tj ET Q q 0 0 0 rg BT 292.95 730.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 325.16 730.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 342.92 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 354.03 730.10 Td (between ) Tj ET Q q 0 0 0 rg BT 390.13 730.10 Td (18% ) Tj ET Q q 0 0 0 rg BT 411.23 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 428.45 730.10 Td (30%. ) Tj ET Q q 0 0 0 rg BT 452.06 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 454.83 730.10 Td (During ) Tj ET Q q 0 0 0 rg BT 485.94 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 500.93 730.10 Td (third ) Tj ET Q q 0 0 0 rg BT 522.60 730.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 553.69 730.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 74.24 718.10 Td (year ) Tj ET Q q 0 0 0 rg BT 94.04 718.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 119.13 718.10 Td (we ) Tj ET Q q 0 0 0 rg BT 133.37 718.10 Td (implemented ) Tj ET Q q 0 0 0 rg BT 188.17 718.10 Td (our ) Tj ET Q q 0 0 0 rg BT 204.09 718.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 229.44 718.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 270.90 718.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 290.71 718.10 Td (program ) Tj ET Q q 0 0 0 rg BT 327.17 718.10 Td (across ) Tj ET Q q 0 0 0 rg BT 354.75 718.10 Td (all ) Tj ET Q q 0 0 0 rg BT 367.15 718.10 Td (T) Tj ET Q q 0 0 0 rg BT 372.56 718.10 Td (exas ) Tj ET Q q 0 0 0 rg BT 392.91 718.10 Td (locations. ) Tj ET Q q 0 0 0 rg BT 434.10 718.10 Td (During ) Tj ET Q q 0 0 0 rg BT 465.02 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 479.83 718.10 Td (first ) Tj ET Q q 0 0 0 rg BT 498.52 718.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 529.43 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 540.35 718.10 Td (fiscal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (year ) Tj ET Q q 0 0 0 rg BT 69.92 706.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 95.14 706.10 Td (we ) Tj ET Q q 0 0 0 rg BT 109.52 706.10 Td (implemented ) Tj ET Q q 0 0 0 rg BT 164.44 706.10 Td (our ) Tj ET Q q 0 0 0 rg BT 180.49 706.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 205.97 706.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 247.56 706.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 267.49 706.10 Td (program ) Tj ET Q q 0 0 0 rg BT 304.09 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 314.58 706.10 Td (all ) Tj ET Q q 0 0 0 rg BT 327.29 706.10 Td (Louisiana ) Tj ET Q q 0 0 0 rg BT 369.44 706.10 Td (locations. ) Tj ET Q q 0 0 0 rg BT 410.76 706.10 Td (During ) Tj ET Q q 0 0 0 rg BT 441.81 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 456.74 706.10 Td (third ) Tj ET Q q 0 0 0 rg BT 478.34 706.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 509.38 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 520.42 706.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 544.79 706.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 74.33 694.10 Td (we ) Tj ET Q q 0 0 0 rg BT 87.81 694.10 Td (implemented ) Tj ET Q q 0 0 0 rg BT 141.84 694.10 Td (our ) Tj ET Q q 0 0 0 rg BT 157.00 694.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 181.59 694.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 222.29 694.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 241.33 694.10 Td (program ) Tj ET Q q 0 0 0 rg BT 277.03 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 286.64 694.10 Td (all ) Tj ET Q q 0 0 0 rg BT 298.32 694.10 Td (T) Tj ET Q q 0 0 0 rg BT 303.73 694.10 Td (ennessee ) Tj ET Q q 0 0 0 rg BT 341.10 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 357.36 694.10 Td (Oklahoma ) Tj ET Q q 0 0 0 rg BT 400.84 694.10 Td (locations. ) Tj ET Q q 0 0 0 rg BT 441.14 694.10 Td (The ) Tj ET Q q 0 0 0 rg BT 458.51 694.10 Td (states ) Tj ET Q q 0 0 0 rg BT 482.55 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 492.57 694.10 Td (T) Tj ET Q q 0 0 0 rg BT 497.98 694.10 Td (exas, ) Tj ET Q q 0 0 0 rg BT 520.08 694.10 Td (Louisiana, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 682.10 Td (ennessee ) Tj ET Q q 0 0 0 rg BT 93.48 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 110.45 682.10 Td (Oklahoma ) Tj ET Q q 0 0 0 rg BT 154.64 682.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 193.82 682.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 254.12 682.10 Td (78% ) Tj ET Q q 0 0 0 rg BT 274.98 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 285.84 682.10 Td (our ) Tj ET Q q 0 0 0 rg BT 301.71 682.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 325.90 682.10 Td (year ) Tj ET Q q 0 0 0 rg BT 345.64 682.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 368.17 682.10 Td (originations, ) Tj ET Q q 0 0 0 rg BT 420.98 682.10 Td (which ) Tj ET Q q 0 0 0 rg BT 447.95 682.10 Td (under ) Tj ET Q q 0 0 0 rg BT 473.26 682.10 Td (our ) Tj ET Q q 0 0 0 rg BT 489.12 682.10 Td (previous ) Tj ET Q q 0 0 0 rg BT 526.09 682.10 Td (of) Tj ET Q q 0 0 0 rg BT 534.24 682.10 Td (ferings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (had ) Tj ET Q q 0 0 0 rg BT 66.82 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 73.65 670.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 116.58 670.10 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 160.62 670.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 192.43 670.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 209.80 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 220.52 670.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 280.66 670.10 Td (21%, ) Tj ET Q q 0 0 0 rg BT 303.88 670.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 345.68 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 355.85 670.10 Td (an ) Tj ET Q q 0 0 0 rg BT 367.67 670.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 399.49 670.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 416.86 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 427.57 670.10 Td (up ) Tj ET Q q 0 0 0 rg BT 439.96 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 450.12 670.10 Td (27% ) Tj ET Q q 0 0 0 rg BT 470.83 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 480.99 670.10 Td (Oklahoma ) Tj ET Q q 0 0 0 rg BT 525.03 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 541.86 670.10 Td (up ) Tj ET Q q 0 0 0 rg BT 554.24 670.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (30% ) Tj ET Q q 0 0 0 rg BT 70.14 658.10 Td (in ) Tj ET Q q 0 0 0 rg BT 79.60 658.10 Td (T) Tj ET Q q 0 0 0 rg BT 85.01 658.10 Td (exas, ) Tj ET Q q 0 0 0 rg BT 107.09 658.10 Td (Louisiana ) Tj ET Q q 0 0 0 rg BT 148.33 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 164.45 658.10 Td (T) Tj ET Q q 0 0 0 rg BT 169.86 658.10 Td (ennessee ) Tj ET Q q 0 0 0 rg BT 207.21 658.10 Td (under ) Tj ET Q q 0 0 0 rg BT 231.79 658.10 Td (our ) Tj ET Q q 0 0 0 rg BT 246.93 658.10 Td (new ) Tj ET Q q 0 0 0 rg BT 265.40 658.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 289.97 658.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 330.66 658.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 349.69 658.10 Td (programs. ) Tj ET Q q 0 0 0 rg BT 391.77 658.10 Td (In ) Tj ET Q q 0 0 0 rg BT 401.91 658.10 Td (states ) Tj ET Q q 0 0 0 rg BT 425.93 658.10 Td (where ) Tj ET Q q 0 0 0 rg BT 452.17 658.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 498.42 658.10 Td (do ) Tj ET Q q 0 0 0 rg BT 510.23 658.10 Td (not ) Tj ET Q q 0 0 0 rg BT 524.82 658.10 Td (generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 71.44 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 86.20 646.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 118.18 646.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 135.71 646.10 Td (char) Tj ET Q q 0 0 0 rg BT 152.74 646.10 Td (ged, ) Tj ET Q q 0 0 0 rg BT 172.22 646.10 Td (we ) Tj ET Q q 0 0 0 rg BT 186.42 646.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 226.72 646.10 Td (our ) Tj ET Q q 0 0 0 rg BT 242.60 646.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 264.02 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 274.35 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 289.11 646.10 Td (third ) Tj ET Q q 0 0 0 rg BT 310.54 646.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 341.40 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 352.28 646.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 376.48 646.10 Td (year ) Tj ET Q q 0 0 0 rg BT 396.23 646.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 418.77 646.10 Td (to29.99%. ) Tj ET Q q 0 0 0 rg BT 464.74 646.10 Td (These ) Tj ET Q q 0 0 0 rg BT 491.17 646.10 Td (states ) Tj ET Q q 0 0 0 rg BT 515.93 646.10 Td (represented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (1) Tj ET Q q 0 0 0 rg BT 54.63 634.10 Td (1% ) Tj ET Q q 0 0 0 rg BT 70.46 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 81.29 634.10 Td (our ) Tj ET Q q 0 0 0 rg BT 97.12 634.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 121.27 634.10 Td (year ) Tj ET Q q 0 0 0 rg BT 140.98 634.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 163.48 634.10 Td (originations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 616.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.59 616.10 Td (of) Tj ET Q q 0 0 0 rg BT 73.74 616.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 87.36 616.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 130.43 616.10 Td (12- ) Tj ET Q q 0 0 0 rg BT 146.28 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 163.23 616.10 Td (18-month ) Tj ET Q q 0 0 0 rg BT 204.64 616.10 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 249.92 616.10 Td (option ) Tj ET Q q 0 0 0 rg BT 278.00 616.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 309.94 616.10 Td (programs. ) Tj ET Q q 0 0 0 rg BT 352.72 616.10 Td ( ) Tj ET Q q 0 0 0 rg BT 355.24 616.10 Td (If ) Tj ET Q q 0 0 0 rg BT 364.42 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 379.16 616.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 418.33 616.10 Td (is ) Tj ET Q q 0 0 0 rg BT 427.52 616.10 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 472.25 616.10 Td (in ) Tj ET Q q 0 0 0 rg BT 482.55 616.10 Td (making ) Tj ET Q q 0 0 0 rg BT 515.06 616.10 Td (a ) Tj ET Q q 0 0 0 rg BT 522.02 616.10 Td (scheduled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 86.27 604.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 123.64 604.10 Td (or ) Tj ET Q q 0 0 0 rg BT 134.90 604.10 Td (does ) Tj ET Q q 0 0 0 rg BT 156.16 604.10 Td (not ) Tj ET Q q 0 0 0 rg BT 171.88 604.10 Td (repay ) Tj ET Q q 0 0 0 rg BT 197.02 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 212.17 604.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 250.64 604.10 Td (in ) Tj ET Q q 0 0 0 rg BT 261.35 604.10 Td (full ) Tj ET Q q 0 0 0 rg BT 278.17 604.10 Td (by ) Tj ET Q q 0 0 0 rg BT 291.11 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.26 604.10 Td (end ) Tj ET Q q 0 0 0 rg BT 323.63 604.10 Td (of ) Tj ET Q q 0 0 0 rg BT 334.89 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 350.04 604.10 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 395.74 604.10 Td (option ) Tj ET Q q 0 0 0 rg BT 424.23 604.10 Td (program ) Tj ET Q q 0 0 0 rg BT 461.04 604.10 Td (period ) Tj ET Q q 0 0 0 rg BT 489.52 604.10 Td (\(grace ) Tj ET Q q 0 0 0 rg BT 517.43 604.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 549.80 604.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (provided\), ) Tj ET Q q 0 0 0 rg BT 93.92 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 108.69 592.10 Td (account ) Tj ET Q q 0 0 0 rg BT 142.33 592.10 Td (does ) Tj ET Q q 0 0 0 rg BT 163.20 592.10 Td (not ) Tj ET Q q 0 0 0 rg BT 178.53 592.10 Td (qualify ) Tj ET Q q 0 0 0 rg BT 209.40 592.10 Td (for ) Tj ET Q q 0 0 0 rg BT 223.61 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.37 592.10 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 283.68 592.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 324.00 592.10 Td (and ) Tj ET Q q 0 0 0 rg BT 340.99 592.10 Td (none ) Tj ET Q q 0 0 0 rg BT 362.97 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 373.85 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 388.61 592.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 420.59 592.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 449.79 592.10 Td (is ) Tj ET Q q 0 0 0 rg BT 459.00 592.10 Td (waived. ) Tj ET Q q 0 0 0 rg BT 492.92 592.10 Td ( ) Tj ET Q q 0 0 0 rg BT 495.29 592.10 Td (W) Tj ET Q q 0 0 0 rg BT 503.92 592.10 Td (e ) Tj ET Q q 0 0 0 rg BT 510.91 592.10 Td (discontinued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 580.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 84.53 580.10 Td (our ) Tj ET Q q 0 0 0 rg BT 100.36 580.10 Td (18-month ) Tj ET Q q 0 0 0 rg BT 141.74 580.10 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 187.01 580.10 Td (option ) Tj ET Q q 0 0 0 rg BT 215.06 580.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 246.99 580.10 Td (program ) Tj ET Q q 0 0 0 rg BT 283.36 580.10 Td (after ) Tj ET Q q 0 0 0 rg BT 304.18 580.10 Td (January ) Tj ET Q q 0 0 0 rg BT 337.78 580.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 352.78 580.10 Td (2018. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 562.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.90 562.10 Td (regularly ) Tj ET Q q 0 0 0 rg BT 104.82 562.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 134.30 562.10 Td (or ) Tj ET Q q 0 0 0 rg BT 145.45 562.10 Td ("re-age" ) Tj ET Q q 0 0 0 rg BT 181.42 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 188.68 562.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 220.39 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 231.55 562.10 Td (our ) Tj ET Q q 0 0 0 rg BT 247.70 562.10 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 292.74 562.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 332.22 562.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 370.03 562.10 Td (as ) Tj ET Q q 0 0 0 rg BT 381.18 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 388.45 562.10 Td (part ) Tj ET Q q 0 0 0 rg BT 406.82 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 417.97 562.10 Td (our ) Tj ET Q q 0 0 0 rg BT 434.13 562.10 Td (normal ) Tj ET Q q 0 0 0 rg BT 465.28 562.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 507.53 562.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 554.22 562.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (protect ) Tj ET Q q 0 0 0 rg BT 80.56 550.10 Td (our ) Tj ET Q q 0 0 0 rg BT 96.68 550.10 Td (investment. ) Tj ET Q q 0 0 0 rg BT 145.85 550.10 Td (Generally) Tj ET Q q 0 0 0 rg BT 184.63 550.10 Td (, ) Tj ET Q q 0 0 0 rg BT 189.92 550.10 Td (extensions ) Tj ET Q q 0 0 0 rg BT 234.93 550.10 Td (are ) Tj ET Q q 0 0 0 rg BT 249.93 550.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 282.70 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 293.27 550.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 336.61 550.10 Td (who ) Tj ET Q q 0 0 0 rg BT 356.63 550.10 Td (have ) Tj ET Q q 0 0 0 rg BT 378.29 550.10 Td (experienced ) Tj ET Q q 0 0 0 rg BT 429.39 550.10 Td (a ) Tj ET Q q 0 0 0 rg BT 436.62 550.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 474.39 550.10 Td (dif) Tj ET Q q 0 0 0 rg BT 485.32 550.10 Td (ficulty ) Tj ET Q q 0 0 0 rg BT 514.21 550.10 Td (\(such ) Tj ET Q q 0 0 0 rg BT 538.67 550.10 Td (as ) Tj ET Q q 0 0 0 rg BT 549.79 550.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (temporary ) Tj ET Q q 0 0 0 rg BT 94.23 538.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 112.92 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 124.38 538.10 Td (employment\), ) Tj ET Q q 0 0 0 rg BT 183.33 538.10 Td (which ) Tj ET Q q 0 0 0 rg BT 210.90 538.10 Td (is ) Tj ET Q q 0 0 0 rg BT 220.70 538.10 Td (subsequently ) Tj ET Q q 0 0 0 rg BT 276.05 538.10 Td (resolved, ) Tj ET Q q 0 0 0 rg BT 315.56 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 333.13 538.10 Td (when ) Tj ET Q q 0 0 0 rg BT 357.92 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 373.27 538.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 413.05 538.10 Td (indicates ) Tj ET Q q 0 0 0 rg BT 451.73 538.10 Td (a ) Tj ET Q q 0 0 0 rg BT 459.30 538.10 Td (willingness ) Tj ET Q q 0 0 0 rg BT 507.99 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 525.56 538.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 554.24 538.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (resume ) Tj ET Q q 0 0 0 rg BT 81.52 526.10 Td (making ) Tj ET Q q 0 0 0 rg BT 114.16 526.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 150.14 526.10 Td (payments. ) Tj ET Q q 0 0 0 rg BT 193.42 526.10 Td (These ) Tj ET Q q 0 0 0 rg BT 219.95 526.10 Td (re-ages ) Tj ET Q q 0 0 0 rg BT 251.46 526.10 Td (involve ) Tj ET Q q 0 0 0 rg BT 284.10 526.10 Td (modifying ) Tj ET Q q 0 0 0 rg BT 328.41 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.27 526.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 380.35 526.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 405.21 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 415.64 526.10 Td (defer ) Tj ET Q q 0 0 0 rg BT 438.82 526.10 Td (a ) Tj ET Q q 0 0 0 rg BT 445.90 526.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 477.44 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 488.41 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 503.27 526.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 523.69 526.10 Td (payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 88.24 514.10 Td (required ) Tj ET Q q 0 0 0 rg BT 123.70 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 134.17 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 148.54 514.10 Td (debtor ) Tj ET Q q 0 0 0 rg BT 176.23 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 186.15 514.10 Td (help ) Tj ET Q q 0 0 0 rg BT 205.51 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 219.88 514.10 Td (debtor ) Tj ET Q q 0 0 0 rg BT 247.57 514.10 Td (improve ) Tj ET Q q 0 0 0 rg BT 283.04 514.10 Td (his ) Tj ET Q q 0 0 0 rg BT 296.85 514.10 Td (or ) Tj ET Q q 0 0 0 rg BT 307.33 514.10 Td (her ) Tj ET Q q 0 0 0 rg BT 322.24 514.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 359.37 514.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 399.28 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 415.87 514.10 Td (eventually ) Tj ET Q q 0 0 0 rg BT 459.66 514.10 Td (be ) Tj ET Q q 0 0 0 rg BT 471.25 514.10 Td (able ) Tj ET Q q 0 0 0 rg BT 490.05 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 499.97 514.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 516.55 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 530.92 514.10 Td (account ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (balance. ) Tj ET Q q 0 0 0 rg BT 85.41 502.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 103.33 502.10 Td (re-aging ) Tj ET Q q 0 0 0 rg BT 139.02 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 149.72 502.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 188.75 502.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 226.11 502.10 Td (does ) Tj ET Q q 0 0 0 rg BT 246.81 502.10 Td (not ) Tj ET Q q 0 0 0 rg BT 261.96 502.10 Td (change ) Tj ET Q q 0 0 0 rg BT 292.65 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 307.24 502.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 339.05 502.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 356.41 502.10 Td (or ) Tj ET Q q 0 0 0 rg BT 367.11 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 381.70 502.10 Td (total ) Tj ET Q q 0 0 0 rg BT 401.85 502.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 439.76 502.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 472.13 502.10 Td (due ) Tj ET Q q 0 0 0 rg BT 488.94 502.10 Td (from ) Tj ET Q q 0 0 0 rg BT 510.75 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 525.34 502.10 Td (customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 68.08 490.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 106.72 490.10 Td (does ) Tj ET Q q 0 0 0 rg BT 128.70 490.10 Td (not ) Tj ET Q q 0 0 0 rg BT 145.12 490.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 175.42 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 191.28 490.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 228.26 490.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 276.33 490.10 Td (payments. ) Tj ET Q q 0 0 0 rg BT 320.53 490.10 Td (W) Tj ET Q q 0 0 0 rg BT 329.17 490.10 Td (e ) Tj ET Q q 0 0 0 rg BT 337.26 490.10 Td (may ) Tj ET Q q 0 0 0 rg BT 358.12 490.10 Td (also ) Tj ET Q q 0 0 0 rg BT 377.87 490.10 Td (char) Tj ET Q q 0 0 0 rg BT 394.90 490.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 407.99 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 423.85 490.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 464.15 490.10 Td (an ) Tj ET Q q 0 0 0 rg BT 477.24 490.10 Td (extension ) Tj ET Q q 0 0 0 rg BT 519.21 490.10 Td (fee, ) Tj ET Q q 0 0 0 rg BT 537.56 490.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (approximates ) Tj ET Q q 0 0 0 rg BT 106.30 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 120.95 478.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 152.81 478.10 Td (owed ) Tj ET Q q 0 0 0 rg BT 176.90 478.10 Td (for ) Tj ET Q q 0 0 0 rg BT 190.98 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 205.63 478.10 Td (time ) Tj ET Q q 0 0 0 rg BT 225.83 478.10 Td (period ) Tj ET Q q 0 0 0 rg BT 253.81 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 268.45 478.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 303.08 478.10 Td (was ) Tj ET Q q 0 0 0 rg BT 321.06 478.10 Td (past ) Tj ET Q q 0 0 0 rg BT 339.60 478.10 Td (due. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.96 478.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 376.94 478.10 Td (re-age ) Tj ET Q q 0 0 0 rg BT 404.35 478.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 444.54 478.10 Td (consist ) Tj ET Q q 0 0 0 rg BT 474.75 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 485.51 478.10 Td (extensions ) Tj ET Q q 0 0 0 rg BT 530.15 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 547.02 478.10 Td (two ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 86.11 466.10 Td (updates, ) Tj ET Q q 0 0 0 rg BT 120.84 466.10 Td (which ) Tj ET Q q 0 0 0 rg BT 146.96 466.10 Td (include ) Tj ET Q q 0 0 0 rg BT 178.07 466.10 Td (unilateral ) Tj ET Q q 0 0 0 rg BT 217.50 466.10 Td (extensions ) Tj ET Q q 0 0 0 rg BT 261.40 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 270.86 466.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 313.08 466.10 Td (who ) Tj ET Q q 0 0 0 rg BT 331.98 466.10 Td (make ) Tj ET Q q 0 0 0 rg BT 355.32 466.10 Td (two ) Tj ET Q q 0 0 0 rg BT 372.00 466.10 Td (full ) Tj ET Q q 0 0 0 rg BT 387.56 466.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 427.57 466.10 Td (in ) Tj ET Q q 0 0 0 rg BT 437.02 466.10 Td (three ) Tj ET Q q 0 0 0 rg BT 458.69 466.10 Td (calendar ) Tj ET Q q 0 0 0 rg BT 494.23 466.10 Td (months ) Tj ET Q q 0 0 0 rg BT 525.35 466.10 Td (in ) Tj ET Q q 0 0 0 rg BT 534.81 466.10 Td (certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (states. ) Tj ET Q q 0 0 0 rg BT 77.00 454.10 Td (Re-ages ) Tj ET Q q 0 0 0 rg BT 111.49 454.10 Td (are ) Tj ET Q q 0 0 0 rg BT 125.98 454.10 Td (not ) Tj ET Q q 0 0 0 rg BT 141.05 454.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 173.32 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 183.38 454.10 Td (debtors ) Tj ET Q q 0 0 0 rg BT 215.10 454.10 Td (who ) Tj ET Q q 0 0 0 rg BT 234.61 454.10 Td (demonstrate ) Tj ET Q q 0 0 0 rg BT 285.76 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 292.49 454.10 Td (lack ) Tj ET Q q 0 0 0 rg BT 311.42 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 322.04 454.10 Td (intent ) Tj ET Q q 0 0 0 rg BT 347.10 454.10 Td (or ) Tj ET Q q 0 0 0 rg BT 357.71 454.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 385.55 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 395.61 454.10 Td (service ) Tj ET Q q 0 0 0 rg BT 426.21 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.71 454.10 Td (obligation ) Tj ET Q q 0 0 0 rg BT 483.55 454.10 Td (or ) Tj ET Q q 0 0 0 rg BT 494.16 454.10 Td (have ) Tj ET Q q 0 0 0 rg BT 515.32 454.10 Td (reached ) Tj ET Q q 0 0 0 rg BT 548.69 454.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (limits ) Tj ET Q q 0 0 0 rg BT 74.18 442.10 Td (for ) Tj ET Q q 0 0 0 rg BT 87.24 442.10 Td (account ) Tj ET Q q 0 0 0 rg BT 119.73 442.10 Td (re-aging.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.55 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 156.94 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 158.24 442.10 Td (T) Tj ET Q q 0 0 0 rg BT 163.65 442.10 Td (o ) Tj ET Q q 0 0 0 rg BT 170.05 442.10 Td (a ) Tj ET Q q 0 0 0 rg BT 175.89 442.10 Td (much ) Tj ET Q q 0 0 0 rg BT 199.50 442.10 Td (lesser ) Tj ET Q q 0 0 0 rg BT 223.67 442.10 Td (extent, ) Tj ET Q q 0 0 0 rg BT 252.00 442.10 Td (we ) Tj ET Q q 0 0 0 rg BT 265.06 442.10 Td (may ) Tj ET Q q 0 0 0 rg BT 283.67 442.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 315.62 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 329.23 442.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 367.28 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 380.90 442.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 407.85 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 417.02 442.10 Td (re-age ) Tj ET Q q 0 0 0 rg BT 443.40 442.10 Td (their ) Tj ET Q q 0 0 0 rg BT 463.12 442.10 Td (obligation ) Tj ET Q q 0 0 0 rg BT 505.07 442.10 Td (by ) Tj ET Q q 0 0 0 rg BT 516.47 442.10 Td (refinancing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.51 430.10 Td (account, ) Tj ET Q q 0 0 0 rg BT 102.39 430.10 Td (which ) Tj ET Q q 0 0 0 rg BT 130.12 430.10 Td (does ) Tj ET Q q 0 0 0 rg BT 151.74 430.10 Td (not ) Tj ET Q q 0 0 0 rg BT 167.81 430.10 Td (change ) Tj ET Q q 0 0 0 rg BT 199.42 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 214.93 430.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 247.65 430.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 265.93 430.10 Td (or ) Tj ET Q q 0 0 0 rg BT 277.55 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 293.06 430.10 Td (total ) Tj ET Q q 0 0 0 rg BT 314.12 430.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 352.95 430.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 386.24 430.10 Td (due ) Tj ET Q q 0 0 0 rg BT 403.97 430.10 Td (from ) Tj ET Q q 0 0 0 rg BT 426.70 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 442.21 430.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 482.15 430.10 Td (but ) Tj ET Q q 0 0 0 rg BT 498.22 430.10 Td (does ) Tj ET Q q 0 0 0 rg BT 519.84 430.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 549.78 430.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 85.23 418.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 131.54 418.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 171.76 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 188.09 418.10 Td (extends ) Tj ET Q q 0 0 0 rg BT 220.53 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 234.64 418.10 Td (term. ) Tj ET Q q 0 0 0 rg BT 257.36 418.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 284.25 418.10 Td (these ) Tj ET Q q 0 0 0 rg BT 306.69 418.10 Td (options, ) Tj ET Q q 0 0 0 rg BT 340.53 418.10 Td (as ) Tj ET Q q 0 0 0 rg BT 350.75 418.10 Td (with ) Tj ET Q q 0 0 0 rg BT 370.42 418.10 Td (extensions, ) Tj ET Q q 0 0 0 rg BT 417.03 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 431.14 418.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 469.69 418.10 Td (must ) Tj ET Q q 0 0 0 rg BT 491.03 418.10 Td (resolve ) Tj ET Q q 0 0 0 rg BT 521.80 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 535.92 418.10 Td (reason ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (for ) Tj ET Q q 0 0 0 rg BT 65.06 406.10 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 117.33 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 135.16 406.10 Td (show ) Tj ET Q q 0 0 0 rg BT 159.67 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 167.51 406.10 Td (willingness ) Tj ET Q q 0 0 0 rg BT 216.46 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 234.30 406.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 263.25 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 274.42 406.10 Td (resume ) Tj ET Q q 0 0 0 rg BT 306.70 406.10 Td (making ) Tj ET Q q 0 0 0 rg BT 340.09 406.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 387.91 406.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 424.64 406.10 Td (payments. ) Tj ET Q q 0 0 0 rg BT 468.62 406.10 Td (The ) Tj ET Q q 0 0 0 rg BT 487.56 406.10 Td (re-aged ) Tj ET Q q 0 0 0 rg BT 520.94 406.10 Td (receivable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 82.21 394.10 Td (as ) Tj ET Q q 0 0 0 rg BT 92.22 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.23 394.10 Td (January ) Tj ET Q q 0 0 0 rg BT 135.01 394.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 149.18 394.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 170.86 394.10 Td (includes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.87 394.10 Td ($62.0 ) Tj ET Q q 0 0 0 rg BT 230.05 394.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.94 394.10 Td (in ) Tj ET Q q 0 0 0 rg BT 270.89 394.10 Td (first ) Tj ET Q q 0 0 0 rg BT 288.68 394.10 Td (time ) Tj ET Q q 0 0 0 rg BT 308.13 394.10 Td (re-ages ) Tj ET Q q 0 0 0 rg BT 338.68 394.10 Td (related ) Tj ET Q q 0 0 0 rg BT 367.56 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 377.02 394.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 419.24 394.10 Td (within ) Tj ET Q q 0 0 0 rg BT 446.48 394.10 Td (FEMA-designated ) Tj ET Q q 0 0 0 rg BT 522.03 394.10 Td (Hurricane ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (Harvey ) Tj ET Q q 0 0 0 rg BT 81.93 382.10 Td (disaster ) Tj ET Q q 0 0 0 rg BT 114.98 382.10 Td (areas. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (The ) Tj ET Q q 0 0 0 rg BT 69.43 358.10 Td (following ) Tj ET Q q 0 0 0 rg BT 112.20 358.10 Td (tables ) Tj ET Q q 0 0 0 rg BT 139.41 358.10 Td (present, ) Tj ET Q q 0 0 0 rg BT 174.67 358.10 Td (for ) Tj ET Q q 0 0 0 rg BT 190.21 358.10 Td (comparison ) Tj ET Q q 0 0 0 rg BT 240.75 358.10 Td (purposes, ) Tj ET Q q 0 0 0 rg BT 282.68 358.10 Td (information ) Tj ET Q q 0 0 0 rg BT 333.78 358.10 Td (about ) Tj ET Q q 0 0 0 rg BT 359.88 358.10 Td (our ) Tj ET Q q 0 0 0 rg BT 377.09 358.10 Td (managed ) Tj ET Q q 0 0 0 rg BT 417.07 358.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 455.94 358.10 Td (\(information ) Tj ET Q q 0 0 0 rg BT 510.37 358.10 Td (reflects ) Tj ET Q q 0 0 0 rg BT 543.68 358.10 Td (on ) Tj ET Q q 0 0 0 rg BT 557.56 358.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (combined ) Tj ET Q q 0 0 0 rg BT 91.93 346.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 114.43 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 129.15 346.10 Td (securitized ) Tj ET Q q 0 0 0 rg BT 174.96 346.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 222.43 346.10 Td (transferred ) Tj ET Q q 0 0 0 rg BT 268.24 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 278.52 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 293.05 346.10 Td (VIEs ) Tj ET Q q 0 0 0 rg BT 316.10 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 333.04 346.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 380.51 346.10 Td (not ) Tj ET Q q 0 0 0 rg BT 395.79 346.10 Td (transferred ) Tj ET Q q 0 0 0 rg BT 441.60 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 451.88 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 466.41 346.10 Td (VIEs\):) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 299.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.50 299.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 299.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 299.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 299.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 299.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 269.60 309.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.50 269.60 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 269.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 269.60 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 269.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 269.60 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 229.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.50 229.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 229.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 229.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 229.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 229.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 199.60 309.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.50 199.60 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 199.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 199.60 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 199.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 199.60 65.00 -25.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 314.6 m 424.5 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 314.6 m 428.5 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 314.6 m 493.5 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 314.6 m 497.5 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 314.6 m 562.5 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 314.6 m 424.5 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 299.6 m 424.5 299.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 299.6 m 493.5 299.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 299.6 m 562.5 299.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.00 319.27 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 435.20 319.28 Td (January 31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.50 304.28 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.50 304.28 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 519.50 304.28 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 289.27 Td (W) Tj ET Q q 0 0 0 rg BT 61.64 289.27 Td (eighted-average credit score of outstanding balances) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 271.27 293.80 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.65 289.27 Td (591) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.65 289.27 Td (589) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.65 289.27 Td (595) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 274.27 Td (A) Tj ET Q q 0 0 0 rg BT 59.85 274.27 Td (verage outstanding customer balance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.00 274.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 274.27 Td (2,443) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 274.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 274.27 Td (2,376) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 274.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 274.27 Td (2,406) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 259.27 Td (Balances 60+ days past due as a percentage of total customer portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 249.27 Td (balance) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 92.53 253.80 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.15 249.27 Td (9.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 249.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 249.27 Td (10.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 249.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.15 249.27 Td (9.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 249.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 234.27 Td (Re-aged balance as a percentage of total customer portfolio balance) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 323.70 238.80 Td (\(2\)\(3\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 234.27 Td (24.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 234.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 234.27 Td (16.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 234.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 234.27 Td (14.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 234.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 219.27 Td (Account balances re-aged more than six months \(in thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.00 219.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.15 219.27 Td (76,165) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 219.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 219.27 Td (73,903) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 219.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 219.27 Td (62,288) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 204.27 Td (Allowance for bad debts as a percentage of total customer portfolio balance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 204.27 Td (13.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 204.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 204.27 Td (13.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 204.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 204.27 Td (12.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 204.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 189.27 Td (Percent of total customer portfolio balance represented by no-interest) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 179.27 Td (option receivables) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 179.27 Td (21.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 179.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 179.27 Td (27.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 179.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 179.27 Td (37.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 179.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 97 0 obj <>] /Rotate 0 /Contents 98 0 R>> endobj 98 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (47) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 712.50 307.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 712.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 712.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 712.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 712.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 712.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 682.50 307.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 682.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 682.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 682.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 682.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 682.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 652.50 307.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 652.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 652.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 652.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 652.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 652.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 622.50 307.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 622.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 622.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 622.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 622.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 622.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 592.50 307.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 592.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 592.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 592.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 592.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 592.50 65.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 727.5 m 422.5 727.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 727.5 m 426.5 727.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 727.5 m 491.5 727.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 727.5 m 495.5 727.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 727.5 m 560.5 727.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 727.5 m 422.5 727.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 712.5 m 422.5 712.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 727.5 m 426.5 727.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 727.5 m 491.5 727.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 712.5 m 491.5 712.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 727.5 m 495.5 727.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 727.5 m 560.5 727.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 712.5 m 560.5 712.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 712.5 m 422.5 712.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 712.5 m 491.5 712.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 712.5 m 560.5 712.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 577.5 m 422.5 577.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 563.5 m 422.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 561.5 m 422.5 561.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 577.5 m 491.5 577.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 563.5 m 491.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 561.5 m 491.5 561.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 577.5 m 560.5 577.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 563.5 m 560.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 561.5 m 560.5 561.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 732.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.00 732.18 Td (Y) Tj ET Q q 0 0 0 rg BT 414.67 732.18 Td (ear) Tj ET Q q 0 0 0 rg BT 427.90 732.18 Td ( ended January 31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 379.50 717.18 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.50 717.18 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 517.50 717.18 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 702.17 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 702.17 Td (otal applications processed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.60 702.17 Td (1,278,809) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.60 702.17 Td (1,337,850) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.60 702.17 Td (1,287,478) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 687.17 Td (W) Tj ET Q q 0 0 0 rg BT 61.64 687.17 Td (eighted-average origination credit score of sales financed) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 290.42 691.70 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.65 687.17 Td (610) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 687.17 Td (609) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.65 687.17 Td (615) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 672.17 Td (Percent of total applications approved and utilized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 672.17 Td (30.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 672.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.15 672.17 Td (34.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 672.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 672.17 Td (42.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.65 672.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 657.17 Td (A) Tj ET Q q 0 0 0 rg BT 59.85 657.17 Td (verage down payment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.15 657.17 Td (3.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 657.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.15 657.17 Td (3.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 657.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.15 657.17 Td (3.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.65 657.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 642.17 Td (A) Tj ET Q q 0 0 0 rg BT 59.85 642.17 Td (verage income of credit customer at origination) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.00 642.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.15 642.17 Td (43,400) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.00 642.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.15 642.17 Td (41,900) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.00 642.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.15 642.17 Td (41,100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 627.17 Td (Percent of retail sales paid for by:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 627.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.00 627.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.00 627.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 612.17 Td (In-house financing, including down payments received) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 612.17 Td (71.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 612.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.15 612.17 Td (72.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 612.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 612.17 Td (81.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.65 612.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 597.17 Td (Third-party financing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 597.17 Td (16.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 597.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.15 597.17 Td (15.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 597.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.15 597.17 Td (7.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.65 597.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 582.17 Td (Third-party lease-to-own option) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.15 582.17 Td (5.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 582.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.15 582.17 Td (6.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 582.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.15 582.17 Td (4.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.65 582.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 567.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 567.17 Td (93.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 567.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.15 567.17 Td (94.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 567.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 567.17 Td (93.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.65 567.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 545.00 Td (\(1\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 545.00 Td (Credit ) Tj ET Q q 0 0 0 rg BT 95.50 545.00 Td (scores ) Tj ET Q q 0 0 0 rg BT 122.99 545.00 Td (exclude ) Tj ET Q q 0 0 0 rg BT 156.58 545.00 Td (non-scored ) Tj ET Q q 0 0 0 rg BT 203.51 545.00 Td (accounts.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 527.00 Td (\(2\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 527.00 Td (Accounts ) Tj ET Q q 0 0 0 rg BT 108.27 527.00 Td (that ) Tj ET Q q 0 0 0 rg BT 125.76 527.00 Td (become ) Tj ET Q q 0 0 0 rg BT 159.36 527.00 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 204.07 527.00 Td (after ) Tj ET Q q 0 0 0 rg BT 224.88 527.00 Td (being ) Tj ET Q q 0 0 0 rg BT 249.60 527.00 Td (re-aged ) Tj ET Q q 0 0 0 rg BT 282.08 527.00 Td (are ) Tj ET Q q 0 0 0 rg BT 296.78 527.00 Td (included ) Tj ET Q q 0 0 0 rg BT 333.72 527.00 Td (in ) Tj ET Q q 0 0 0 rg BT 344.00 527.00 Td (both ) Tj ET Q q 0 0 0 rg BT 364.27 527.00 Td (the ) Tj ET Q q 0 0 0 rg BT 378.99 527.00 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 430.36 527.00 Td (and ) Tj ET Q q 0 0 0 rg BT 447.30 527.00 Td (re-aged ) Tj ET Q q 0 0 0 rg BT 479.78 527.00 Td (amounts.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 509.00 Td (\(3\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 509.00 Td (The ) Tj ET Q q 0 0 0 rg BT 86.45 509.00 Td (re-aged ) Tj ET Q q 0 0 0 rg BT 119.32 509.00 Td (balance ) Tj ET Q q 0 0 0 rg BT 152.76 509.00 Td (as ) Tj ET Q q 0 0 0 rg BT 163.99 509.00 Td (a ) Tj ET Q q 0 0 0 rg BT 171.33 509.00 Td (percentage ) Tj ET Q q 0 0 0 rg BT 217.53 509.00 Td (of ) Tj ET Q q 0 0 0 rg BT 228.76 509.00 Td (total ) Tj ET Q q 0 0 0 rg BT 249.43 509.00 Td (customer ) Tj ET Q q 0 0 0 rg BT 288.99 509.00 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 326.88 509.00 Td (as ) Tj ET Q q 0 0 0 rg BT 338.11 509.00 Td (of ) Tj ET Q q 0 0 0 rg BT 349.34 509.00 Td (January ) Tj ET Q q 0 0 0 rg BT 383.34 509.00 Td (31, ) Tj ET Q q 0 0 0 rg BT 398.74 509.00 Td (2018 ) Tj ET Q q 0 0 0 rg BT 421.64 509.00 Td (includes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.47 509.00 Td ($62.0 ) Tj ET Q q 0 0 0 rg BT 482.87 509.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.76 509.00 Td (, ) Tj ET Q q 0 0 0 rg BT 517.16 509.00 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.39 509.00 Td (4.1%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.22 509.00 Td (,in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 497.00 Td (first ) Tj ET Q q 0 0 0 rg BT 86.61 497.00 Td (time ) Tj ET Q q 0 0 0 rg BT 106.88 497.00 Td (re-ages ) Tj ET Q q 0 0 0 rg BT 138.25 497.00 Td (related ) Tj ET Q q 0 0 0 rg BT 167.95 497.00 Td (to ) Tj ET Q q 0 0 0 rg BT 178.23 497.00 Td (customers ) Tj ET Q q 0 0 0 rg BT 221.28 497.00 Td (within ) Tj ET Q q 0 0 0 rg BT 249.33 497.00 Td (FEMA-designated ) Tj ET Q q 0 0 0 rg BT 325.71 497.00 Td (Hurricane ) Tj ET Q q 0 0 0 rg BT 368.19 497.00 Td (Harvey ) Tj ET Q q 0 0 0 rg BT 400.11 497.00 Td (disaster ) Tj ET Q q 0 0 0 rg BT 433.16 497.00 Td (areas.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 479.00 Td (The ) Tj ET Q q 0 0 0 rg BT 67.67 479.00 Td (decrease ) Tj ET Q q 0 0 0 rg BT 104.22 479.00 Td (in ) Tj ET Q q 0 0 0 rg BT 114.12 479.00 Td (the ) Tj ET Q q 0 0 0 rg BT 128.47 479.00 Td (percentage ) Tj ET Q q 0 0 0 rg BT 173.90 479.00 Td (of ) Tj ET Q q 0 0 0 rg BT 184.35 479.00 Td (total ) Tj ET Q q 0 0 0 rg BT 204.26 479.00 Td (applications ) Tj ET Q q 0 0 0 rg BT 254.70 479.00 Td (approved ) Tj ET Q q 0 0 0 rg BT 294.04 479.00 Td (and ) Tj ET Q q 0 0 0 rg BT 310.61 479.00 Td (utilized ) Tj ET Q q 0 0 0 rg BT 342.72 479.00 Td (was ) Tj ET Q q 0 0 0 rg BT 360.40 479.00 Td (driven ) Tj ET Q q 0 0 0 rg BT 388.08 479.00 Td (by ) Tj ET Q q 0 0 0 rg BT 400.21 479.00 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 453.99 479.00 Td (changes ) Tj ET Q q 0 0 0 rg BT 488.32 479.00 Td (made ) Tj ET Q q 0 0 0 rg BT 512.11 479.00 Td (during ) Tj ET Q q 0 0 0 rg BT 540.34 479.00 Td (fiscal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 467.00 Td (year ) Tj ET Q q 0 0 0 rg BT 70.17 467.00 Td (2017. ) Tj ET Q q 0 0 0 rg BT 95.43 467.00 Td (The ) Tj ET Q q 0 0 0 rg BT 113.94 467.00 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 168.57 467.00 Td (changes ) Tj ET Q q 0 0 0 rg BT 203.74 467.00 Td (were ) Tj ET Q q 0 0 0 rg BT 226.14 467.00 Td (made ) Tj ET Q q 0 0 0 rg BT 250.76 467.00 Td (to ) Tj ET Q q 0 0 0 rg BT 261.51 467.00 Td (reduce ) Tj ET Q q 0 0 0 rg BT 291.12 467.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 316.85 467.00 Td (risk, ) Tj ET Q q 0 0 0 rg BT 337.32 467.00 Td (specifically ) Tj ET Q q 0 0 0 rg BT 386.38 467.00 Td (related ) Tj ET Q q 0 0 0 rg BT 416.54 467.00 Td (to ) Tj ET Q q 0 0 0 rg BT 427.29 467.00 Td (new ) Tj ET Q q 0 0 0 rg BT 446.92 467.00 Td (customers, ) Tj ET Q q 0 0 0 rg BT 492.93 467.00 Td (while ) Tj ET Q q 0 0 0 rg BT 518.12 467.00 Td (identifying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 455.00 Td (opportunities ) Tj ET Q q 0 0 0 rg BT 105.27 455.00 Td (to ) Tj ET Q q 0 0 0 rg BT 115.55 455.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 150.81 455.00 Td (originations ) Tj ET Q q 0 0 0 rg BT 201.08 455.00 Td (to ) Tj ET Q q 0 0 0 rg BT 211.36 455.00 Td (certain ) Tj ET Q q 0 0 0 rg BT 241.06 455.00 Td (existing ) Tj ET Q q 0 0 0 rg BT 275.22 455.00 Td (customers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 431.00 Td (Our ) Tj ET Q q 0 0 0 rg BT 69.40 431.00 Td (customer ) Tj ET Q q 0 0 0 rg BT 109.91 431.00 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 148.75 431.00 Td (balance ) Tj ET Q q 0 0 0 rg BT 183.13 431.00 Td (and ) Tj ET Q q 0 0 0 rg BT 201.42 431.00 Td (related ) Tj ET Q q 0 0 0 rg BT 232.47 431.00 Td (allowance ) Tj ET Q q 0 0 0 rg BT 276.85 431.00 Td (for ) Tj ET Q q 0 0 0 rg BT 292.36 431.00 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 347.85 431.00 Td (accounts ) Tj ET Q q 0 0 0 rg BT 386.69 431.00 Td (are ) Tj ET Q q 0 0 0 rg BT 402.75 431.00 Td (segregated ) Tj ET Q q 0 0 0 rg BT 449.35 431.00 Td (between ) Tj ET Q q 0 0 0 rg BT 486.51 431.00 Td (customer ) Tj ET Q q 0 0 0 rg BT 527.02 431.00 Td (accounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 419.00 Td (receivable ) Tj ET Q q 0 0 0 rg BT 94.08 419.00 Td (and ) Tj ET Q q 0 0 0 rg BT 111.52 419.00 Td (restructured ) Tj ET Q q 0 0 0 rg BT 162.28 419.00 Td (accounts. ) Tj ET Q q 0 0 0 rg BT 202.77 419.00 Td (Customer ) Tj ET Q q 0 0 0 rg BT 244.66 419.00 Td (accounts ) Tj ET Q q 0 0 0 rg BT 282.65 419.00 Td (receivable ) Tj ET Q q 0 0 0 rg BT 326.73 419.00 Td (include ) Tj ET Q q 0 0 0 rg BT 359.17 419.00 Td (all ) Tj ET Q q 0 0 0 rg BT 372.16 419.00 Td (accounts ) Tj ET Q q 0 0 0 rg BT 410.15 419.00 Td (for ) Tj ET Q q 0 0 0 rg BT 424.81 419.00 Td (which ) Tj ET Q q 0 0 0 rg BT 452.26 419.00 Td (payment ) Tj ET Q q 0 0 0 rg BT 489.69 419.00 Td (term ) Tj ET Q q 0 0 0 rg BT 511.02 419.00 Td (has ) Tj ET Q q 0 0 0 rg BT 527.35 419.00 Td (not ) Tj ET Q q 0 0 0 rg BT 543.13 419.00 Td (been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 407.00 Td (cumulatively ) Tj ET Q q 0 0 0 rg BT 104.51 407.00 Td (extended ) Tj ET Q q 0 0 0 rg BT 142.92 407.00 Td (over ) Tj ET Q q 0 0 0 rg BT 162.99 407.00 Td (three ) Tj ET Q q 0 0 0 rg BT 185.28 407.00 Td (months ) Tj ET Q q 0 0 0 rg BT 217.04 407.00 Td (or ) Tj ET Q q 0 0 0 rg BT 227.68 407.00 Td (refinanced. ) Tj ET Q q 0 0 0 rg BT 274.68 407.00 Td (Restructured ) Tj ET Q q 0 0 0 rg BT 328.08 407.00 Td (accounts ) Tj ET Q q 0 0 0 rg BT 365.37 407.00 Td (includes ) Tj ET Q q 0 0 0 rg BT 401.00 407.00 Td (all ) Tj ET Q q 0 0 0 rg BT 413.30 407.00 Td (accounts ) Tj ET Q q 0 0 0 rg BT 450.60 407.00 Td (for ) Tj ET Q q 0 0 0 rg BT 464.56 407.00 Td (which ) Tj ET Q q 0 0 0 rg BT 491.31 407.00 Td (payment ) Tj ET Q q 0 0 0 rg BT 528.05 407.00 Td (term ) Tj ET Q q 0 0 0 rg BT 548.68 407.00 Td (has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 395.00 Td (been ) Tj ET Q q 0 0 0 rg BT 71.38 395.00 Td (re-aged ) Tj ET Q q 0 0 0 rg BT 103.85 395.00 Td (in ) Tj ET Q q 0 0 0 rg BT 114.13 395.00 Td (excess ) Tj ET Q q 0 0 0 rg BT 142.73 395.00 Td (of ) Tj ET Q q 0 0 0 rg BT 153.56 395.00 Td (three ) Tj ET Q q 0 0 0 rg BT 176.04 395.00 Td (months ) Tj ET Q q 0 0 0 rg BT 207.99 395.00 Td (or ) Tj ET Q q 0 0 0 rg BT 218.82 395.00 Td (refinanced.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 371.00 Td (For ) Tj ET Q q 0 0 0 rg BT 66.47 371.00 Td (customer ) Tj ET Q q 0 0 0 rg BT 105.70 371.00 Td (accounts ) Tj ET Q q 0 0 0 rg BT 143.26 371.00 Td (receivable ) Tj ET Q q 0 0 0 rg BT 186.91 371.00 Td (\(excluding ) Tj ET Q q 0 0 0 rg BT 232.25 371.00 Td (restructured ) Tj ET Q q 0 0 0 rg BT 282.58 371.00 Td (accounts\), ) Tj ET Q q 0 0 0 rg BT 325.97 371.00 Td (the ) Tj ET Q q 0 0 0 rg BT 340.76 371.00 Td (allowance ) Tj ET Q q 0 0 0 rg BT 383.87 371.00 Td (for ) Tj ET Q q 0 0 0 rg BT 398.10 371.00 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 452.32 371.00 Td (accounts ) Tj ET Q q 0 0 0 rg BT 489.88 371.00 Td (as ) Tj ET Q q 0 0 0 rg BT 500.79 371.00 Td (a ) Tj ET Q q 0 0 0 rg BT 507.80 371.00 Td (percentage ) Tj ET Q q 0 0 0 rg BT 553.67 371.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 359.00 Td (the ) Tj ET Q q 0 0 0 rg BT 64.60 359.00 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 113.66 359.00 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 151.04 359.00 Td (balance ) Tj ET Q q 0 0 0 rg BT 183.96 359.00 Td (decreased ) Tj ET Q q 0 0 0 rg BT 225.76 359.00 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.93 359.00 Td (10.8%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.76 359.00 Td ( ) Tj ET Q q 0 0 0 rg BT 264.15 359.00 Td (as ) Tj ET Q q 0 0 0 rg BT 274.86 359.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.58 359.00 Td (January31, ) Tj ET Q q 0 0 0 rg BT 334.07 359.00 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.07 359.00 Td ( ) Tj ET Q q 0 0 0 rg BT 356.46 359.00 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.28 359.00 Td (1) Tj ET Q q 0 0 0 rg BT 382.91 359.00 Td (1.2%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.74 359.00 Td ( ) Tj ET Q q 0 0 0 rg BT 406.13 359.00 Td (as ) Tj ET Q q 0 0 0 rg BT 416.85 359.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.56 359.00 Td (January31, ) Tj ET Q q 0 0 0 rg BT 476.05 359.00 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.05 359.00 Td (. ) Tj ET Q q 0 0 0 rg BT 500.77 359.00 Td (The ) Tj ET Q q 0 0 0 rg BT 518.70 359.00 Td (percentage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 347.00 Td (of ) Tj ET Q q 0 0 0 rg BT 60.99 347.00 Td (non-restructured ) Tj ET Q q 0 0 0 rg BT 129.74 347.00 Td (accounts ) Tj ET Q q 0 0 0 rg BT 167.39 347.00 Td (greater ) Tj ET Q q 0 0 0 rg BT 197.81 347.00 Td (than ) Tj ET Q q 0 0 0 rg BT 217.69 347.00 Td (60 ) Tj ET Q q 0 0 0 rg BT 230.35 347.00 Td (days ) Tj ET Q q 0 0 0 rg BT 251.35 347.00 Td (past ) Tj ET Q q 0 0 0 rg BT 270.12 347.00 Td (due ) Tj ET Q q 0 0 0 rg BT 287.22 347.00 Td (decreased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.30 347.00 Td (70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.30 347.00 Td ( ) Tj ET Q q 0 0 0 rg BT 341.96 347.00 Td (basis ) Tj ET Q q 0 0 0 rg BT 364.62 347.00 Td (points ) Tj ET Q q 0 0 0 rg BT 391.74 347.00 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.18 347.00 Td (8.3%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.01 347.00 Td ( ) Tj ET Q q 0 0 0 rg BT 425.67 347.00 Td (as ) Tj ET Q q 0 0 0 rg BT 436.67 347.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.66 347.00 Td (January31, ) Tj ET Q q 0 0 0 rg BT 496.42 347.00 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.42 347.00 Td ( ) Tj ET Q q 0 0 0 rg BT 519.08 347.00 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.19 347.00 Td (9.0%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 335.00 Td (as ) Tj ET Q q 0 0 0 rg BT 60.76 335.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.52 335.00 Td (January31, ) Tj ET Q q 0 0 0 rg BT 120.05 335.00 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.05 335.00 Td (. ) Tj ET Q q 0 0 0 rg BT 144.99 335.00 Td ( ) Tj ET Q q 0 0 0 rg BT 147.24 335.00 Td (The ) Tj ET Q q 0 0 0 rg BT 165.22 335.00 Td (decrease ) Tj ET Q q 0 0 0 rg BT 202.07 335.00 Td (in ) Tj ET Q q 0 0 0 rg BT 212.28 335.00 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 263.58 335.00 Td (and ) Tj ET Q q 0 0 0 rg BT 280.45 335.00 Td (changes ) Tj ET Q q 0 0 0 rg BT 315.09 335.00 Td (in ) Tj ET Q q 0 0 0 rg BT 325.30 335.00 Td (expectations ) Tj ET Q q 0 0 0 rg BT 377.71 335.00 Td (for ) Tj ET Q q 0 0 0 rg BT 391.80 335.00 Td (customer ) Tj ET Q q 0 0 0 rg BT 430.89 335.00 Td (performance ) Tj ET Q q 0 0 0 rg BT 483.84 335.00 Td (and ) Tj ET Q q 0 0 0 rg BT 500.71 335.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 520.91 335.00 Td (recoveries ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 323.00 Td (on ) Tj ET Q q 0 0 0 rg BT 62.50 323.00 Td (char) Tj ET Q q 0 0 0 rg BT 79.53 323.00 Td (ged-of) Tj ET Q q 0 0 0 rg BT 105.44 323.00 Td (f ) Tj ET Q q 0 0 0 rg BT 111.27 323.00 Td (accounts ) Tj ET Q q 0 0 0 rg BT 148.76 323.00 Td (are ) Tj ET Q q 0 0 0 rg BT 163.47 323.00 Td (reflected ) Tj ET Q q 0 0 0 rg BT 200.94 323.00 Td (in ) Tj ET Q q 0 0 0 rg BT 211.22 323.00 Td (our ) Tj ET Q q 0 0 0 rg BT 227.05 323.00 Td (loss ) Tj ET Q q 0 0 0 rg BT 245.11 323.00 Td (projection ) Tj ET Q q 0 0 0 rg BT 288.15 323.00 Td (models.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 299.00 Td (For ) Tj ET Q q 0 0 0 rg BT 67.32 299.00 Td (restructured ) Tj ET Q q 0 0 0 rg BT 118.50 299.00 Td (accounts, ) Tj ET Q q 0 0 0 rg BT 159.41 299.00 Td (the ) Tj ET Q q 0 0 0 rg BT 175.05 299.00 Td (allowance ) Tj ET Q q 0 0 0 rg BT 219.01 299.00 Td (for ) Tj ET Q q 0 0 0 rg BT 234.09 299.00 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 289.16 299.00 Td (accounts ) Tj ET Q q 0 0 0 rg BT 327.57 299.00 Td (as ) Tj ET Q q 0 0 0 rg BT 339.33 299.00 Td (a ) Tj ET Q q 0 0 0 rg BT 347.19 299.00 Td (percentage ) Tj ET Q q 0 0 0 rg BT 393.92 299.00 Td (of ) Tj ET Q q 0 0 0 rg BT 405.67 299.00 Td (the ) Tj ET Q q 0 0 0 rg BT 421.32 299.00 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 459.74 299.00 Td (balance ) Tj ET Q q 0 0 0 rg BT 493.69 299.00 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.67 299.00 Td (35.6%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.50 299.00 Td ( ) Tj ET Q q 0 0 0 rg BT 541.93 299.00 Td (as ) Tj ET Q q 0 0 0 rg BT 553.68 299.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 287.00 Td (January31, ) Tj ET Q q 0 0 0 rg BT 99.06 287.00 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.06 287.00 Td ( ) Tj ET Q q 0 0 0 rg BT 122.02 287.00 Td (as ) Tj ET Q q 0 0 0 rg BT 133.31 287.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 175.69 287.00 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.43 287.00 Td (36.9%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.26 287.00 Td ( ) Tj ET Q q 0 0 0 rg BT 215.22 287.00 Td (as ) Tj ET Q q 0 0 0 rg BT 226.51 287.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.80 287.00 Td (January31, ) Tj ET Q q 0 0 0 rg BT 286.86 287.00 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.86 287.00 Td (. ) Tj ET Q q 0 0 0 rg BT 312.11 287.00 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.85 287.00 Td (130) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.85 287.00 Td ( ) Tj ET Q q 0 0 0 rg BT 350.81 287.00 Td (basis ) Tj ET Q q 0 0 0 rg BT 373.77 287.00 Td (point ) Tj ET Q q 0 0 0 rg BT 397.29 287.00 Td (decrease ) Tj ET Q q 0 0 0 rg BT 434.66 287.00 Td (reflects ) Tj ET Q q 0 0 0 rg BT 467.05 287.00 Td (the ) Tj ET Q q 0 0 0 rg BT 482.22 287.00 Td (impact ) Tj ET Q q 0 0 0 rg BT 512.40 287.00 Td (of ) Tj ET Q q 0 0 0 rg BT 523.69 287.00 Td (improved ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 275.00 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 101.37 275.00 Td (rates, ) Tj ET Q q 0 0 0 rg BT 125.25 275.00 Td (partially ) Tj ET Q q 0 0 0 rg BT 161.07 275.00 Td (of) Tj ET Q q 0 0 0 rg BT 169.22 275.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 186.16 275.00 Td (by ) Tj ET Q q 0 0 0 rg BT 198.66 275.00 Td (an ) Tj ET Q q 0 0 0 rg BT 210.60 275.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 245.85 275.00 Td (in ) Tj ET Q q 0 0 0 rg BT 256.13 275.00 Td (char) Tj ET Q q 0 0 0 rg BT 273.15 275.00 Td (ge-of) Tj ET Q q 0 0 0 rg BT 294.07 275.00 Td (fs ) Tj ET Q q 0 0 0 rg BT 303.79 275.00 Td (in ) Tj ET Q q 0 0 0 rg BT 314.07 275.00 Td (the ) Tj ET Q q 0 0 0 rg BT 328.79 275.00 Td (current ) Tj ET Q q 0 0 0 rg BT 359.60 275.00 Td (period ) Tj ET Q q 0 0 0 rg BT 387.65 275.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 429.58 275.00 Td (to ) Tj ET Q q 0 0 0 rg BT 439.85 275.00 Td (a ) Tj ET Q q 0 0 0 rg BT 446.79 275.00 Td (year ) Tj ET Q q 0 0 0 rg BT 466.50 275.00 Td (ago.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 257.00 Td (The ) Tj ET Q q 0 0 0 rg BT 68.13 257.00 Td (percent ) Tj ET Q q 0 0 0 rg BT 100.15 257.00 Td (of ) Tj ET Q q 0 0 0 rg BT 111.06 257.00 Td (bad ) Tj ET Q q 0 0 0 rg BT 128.09 257.00 Td (debt ) Tj ET Q q 0 0 0 rg BT 147.90 257.00 Td (char) Tj ET Q q 0 0 0 rg BT 164.92 257.00 Td (ge-of) Tj ET Q q 0 0 0 rg BT 185.84 257.00 Td (fs, ) Tj ET Q q 0 0 0 rg BT 198.15 257.00 Td (net ) Tj ET Q q 0 0 0 rg BT 212.95 257.00 Td (of ) Tj ET Q q 0 0 0 rg BT 223.87 257.00 Td (recoveries, ) Tj ET Q q 0 0 0 rg BT 270.04 257.00 Td (to ) Tj ET Q q 0 0 0 rg BT 280.41 257.00 Td (average ) Tj ET Q q 0 0 0 rg BT 314.08 257.00 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 351.67 257.00 Td (balance ) Tj ET Q q 0 0 0 rg BT 384.79 257.00 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.92 257.00 Td (15.1%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.75 257.00 Td ( ) Tj ET Q q 0 0 0 rg BT 431.34 257.00 Td (for ) Tj ET Q q 0 0 0 rg BT 445.59 257.00 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 469.83 257.00 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.63 257.00 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.63 257.00 Td ( ) Tj ET Q q 0 0 0 rg BT 512.22 257.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 554.23 257.00 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 245.00 Td (14.4%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.83 245.00 Td ( ) Tj ET Q q 0 0 0 rg BT 79.11 245.00 Td (for ) Tj ET Q q 0 0 0 rg BT 94.04 245.00 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 118.97 245.00 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.46 245.00 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.46 245.00 Td (. ) Tj ET Q q 0 0 0 rg BT 165.00 245.00 Td (The ) Tj ET Q q 0 0 0 rg BT 183.82 245.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 219.85 245.00 Td (was ) Tj ET Q q 0 0 0 rg BT 238.68 245.00 Td (primarily ) Tj ET Q q 0 0 0 rg BT 279.17 245.00 Td (due ) Tj ET Q q 0 0 0 rg BT 296.88 245.00 Td (to ) Tj ET Q q 0 0 0 rg BT 307.94 245.00 Td (the ) Tj ET Q q 0 0 0 rg BT 323.43 245.00 Td (acceleration ) Tj ET Q q 0 0 0 rg BT 375.00 245.00 Td (of ) Tj ET Q q 0 0 0 rg BT 386.61 245.00 Td (char) Tj ET Q q 0 0 0 rg BT 403.64 245.00 Td (ge-of) Tj ET Q q 0 0 0 rg BT 424.55 245.00 Td (fs ) Tj ET Q q 0 0 0 rg BT 435.05 245.00 Td (related ) Tj ET Q q 0 0 0 rg BT 465.53 245.00 Td (to ) Tj ET Q q 0 0 0 rg BT 476.58 245.00 Td (bankruptcy ) Tj ET Q q 0 0 0 rg BT 524.85 245.00 Td (and ) Tj ET Q q 0 0 0 rg BT 542.56 245.00 Td (legal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 233.00 Td (settlement ) Tj ET Q q 0 0 0 rg BT 93.34 233.00 Td (accounts ) Tj ET Q q 0 0 0 rg BT 130.58 233.00 Td (during ) Tj ET Q q 0 0 0 rg BT 158.93 233.00 Td (the ) Tj ET Q q 0 0 0 rg BT 173.39 233.00 Td (current ) Tj ET Q q 0 0 0 rg BT 203.96 233.00 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 227.86 233.00 Td (year ) Tj ET Q q 0 0 0 rg BT 247.31 233.00 Td (and ) Tj ET Q q 0 0 0 rg BT 263.99 233.00 Td (the ) Tj ET Q q 0 0 0 rg BT 278.46 233.00 Td (aging ) Tj ET Q q 0 0 0 rg BT 302.92 233.00 Td (of ) Tj ET Q q 0 0 0 rg BT 313.50 233.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 341.29 233.00 Td (risk ) Tj ET Q q 0 0 0 rg BT 358.54 233.00 Td (vintages ) Tj ET Q q 0 0 0 rg BT 394.11 233.00 Td (from ) Tj ET Q q 0 0 0 rg BT 415.79 233.00 Td (the ) Tj ET Q q 0 0 0 rg BT 430.25 233.00 Td (first ) Tj ET Q q 0 0 0 rg BT 448.61 233.00 Td (half ) Tj ET Q q 0 0 0 rg BT 466.40 233.00 Td (of ) Tj ET Q q 0 0 0 rg BT 476.98 233.00 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 500.88 233.00 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.33 233.00 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.33 233.00 Td ( ) Tj ET Q q 0 0 0 rg BT 542.58 233.00 Td (prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 221.00 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 221.00 Td (tightening ) Tj ET Q q 0 0 0 rg BT 103.33 221.00 Td (of ) Tj ET Q q 0 0 0 rg BT 114.16 221.00 Td (our ) Tj ET Q q 0 0 0 rg BT 129.99 221.00 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 184.15 221.00 Td (standards ) Tj ET Q q 0 0 0 rg BT 224.41 221.00 Td (in ) Tj ET Q q 0 0 0 rg BT 234.69 221.00 Td (the ) Tj ET Q q 0 0 0 rg BT 249.41 221.00 Td (second ) Tj ET Q q 0 0 0 rg BT 279.68 221.00 Td (half ) Tj ET Q q 0 0 0 rg BT 297.72 221.00 Td (of ) Tj ET Q q 0 0 0 rg BT 308.55 221.00 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 332.71 221.00 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.42 221.00 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.42 221.00 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 203.00 Td (As ) Tj ET Q q 0 0 0 rg BT 63.26 203.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.74 203.00 Td (January31, ) Tj ET Q q 0 0 0 rg BT 121.98 203.00 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.98 203.00 Td ( ) Tj ET Q q 0 0 0 rg BT 144.13 203.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.72 203.00 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.72 203.00 Td (, ) Tj ET Q q 0 0 0 rg BT 185.37 203.00 Td (balances ) Tj ET Q q 0 0 0 rg BT 221.94 203.00 Td (under ) Tj ET Q q 0 0 0 rg BT 246.85 203.00 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 291.76 203.00 Td (programs ) Tj ET Q q 0 0 0 rg BT 331.68 203.00 Td (included ) Tj ET Q q 0 0 0 rg BT 368.26 203.00 Td (within ) Tj ET Q q 0 0 0 rg BT 395.96 203.00 Td (customer ) Tj ET Q q 0 0 0 rg BT 434.77 203.00 Td (receivables ) Tj ET Q q 0 0 0 rg BT 481.89 203.00 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.46 203.00 Td ($323.6 ) Tj ET Q q 0 0 0 rg BT 533.11 203.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 191.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.85 191.00 Td ($421.8 ) Tj ET Q q 0 0 0 rg BT 96.75 191.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.64 191.00 Td (, ) Tj ET Q q 0 0 0 rg BT 130.55 191.00 Td (respectively) Tj ET Q q 0 0 0 rg BT 178.21 191.00 Td (. ) Tj ET Q q 0 0 0 rg BT 182.59 191.00 Td (Amounts ) Tj ET Q q 0 0 0 rg BT 221.67 191.00 Td (financed ) Tj ET Q q 0 0 0 rg BT 258.50 191.00 Td (under ) Tj ET Q q 0 0 0 rg BT 283.67 191.00 Td (these ) Tj ET Q q 0 0 0 rg BT 306.63 191.00 Td (programs ) Tj ET Q q 0 0 0 rg BT 346.80 191.00 Td (decreased ) Tj ET Q q 0 0 0 rg BT 388.62 191.00 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.81 191.00 Td (21.2%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.64 191.00 Td ( ) Tj ET Q q 0 0 0 rg BT 427.05 191.00 Td (of ) Tj ET Q q 0 0 0 rg BT 437.78 191.00 Td (the ) Tj ET Q q 0 0 0 rg BT 452.41 191.00 Td (total ) Tj ET Q q 0 0 0 rg BT 472.59 191.00 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 509.99 191.00 Td (balance ) Tj ET Q q 0 0 0 rg BT 542.93 191.00 Td (as ) Tj ET Q q 0 0 0 rg BT 553.67 191.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 179.00 Td (January31, ) Tj ET Q q 0 0 0 rg BT 98.37 179.00 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.37 179.00 Td ( ) Tj ET Q q 0 0 0 rg BT 120.64 179.00 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.35 179.00 Td (27.1%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.18 179.00 Td ( ) Tj ET Q q 0 0 0 rg BT 170.45 179.00 Td (as ) Tj ET Q q 0 0 0 rg BT 181.04 179.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.64 179.00 Td (January31, ) Tj ET Q q 0 0 0 rg BT 240.01 179.00 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.01 179.00 Td (. ) Tj ET Q q 0 0 0 rg BT 264.78 179.00 Td ( ) Tj ET Q q 0 0 0 rg BT 267.05 179.00 Td (During ) Tj ET Q q 0 0 0 rg BT 297.65 179.00 Td (the ) Tj ET Q q 0 0 0 rg BT 312.14 179.00 Td (first ) Tj ET Q q 0 0 0 rg BT 330.52 179.00 Td (quarter ) Tj ET Q q 0 0 0 rg BT 361.10 179.00 Td (of ) Tj ET Q q 0 0 0 rg BT 371.70 179.00 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 395.63 179.00 Td (year ) Tj ET Q q 0 0 0 rg BT 415.10 179.00 Td (2017 ) Tj ET Q q 0 0 0 rg BT 437.37 179.00 Td (we ) Tj ET Q q 0 0 0 rg BT 451.30 179.00 Td (transitioned ) Tj ET Q q 0 0 0 rg BT 500.78 179.00 Td (our ) Tj ET Q q 0 0 0 rg BT 516.38 179.00 Td (18- ) Tj ET Q q 0 0 0 rg BT 531.98 179.00 Td (and ) Tj ET Q q 0 0 0 rg BT 548.69 179.00 Td (24-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 167.00 Td (month ) Tj ET Q q 0 0 0 rg BT 78.22 167.00 Td (equal-payment, ) Tj ET Q q 0 0 0 rg BT 142.80 167.00 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 188.23 167.00 Td (programs ) Tj ET Q q 0 0 0 rg BT 228.66 167.00 Td (to ) Tj ET Q q 0 0 0 rg BT 239.10 167.00 Td (a ) Tj ET Q q 0 0 0 rg BT 246.20 167.00 Td (third-party ) Tj ET Q q 0 0 0 rg BT 291.63 167.00 Td (and ) Tj ET Q q 0 0 0 rg BT 308.73 167.00 Td (reduced ) Tj ET Q q 0 0 0 rg BT 343.04 167.00 Td (the ) Tj ET Q q 0 0 0 rg BT 357.92 167.00 Td (availability ) Tj ET Q q 0 0 0 rg BT 405.56 167.00 Td (of ) Tj ET Q q 0 0 0 rg BT 416.56 167.00 Td (cash-option, ) Tj ET Q q 0 0 0 rg BT 468.37 167.00 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 513.80 167.00 Td (programs ) Tj ET Q q 0 0 0 rg BT 554.23 167.00 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 155.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 78.27 155.00 Td (risk ) Tj ET Q q 0 0 0 rg BT 95.98 155.00 Td (customers. ) Tj ET Q q 0 0 0 rg BT 141.75 155.00 Td (In ) Tj ET Q q 0 0 0 rg BT 152.80 155.00 Td (the ) Tj ET Q q 0 0 0 rg BT 167.73 155.00 Td (third ) Tj ET Q q 0 0 0 rg BT 189.34 155.00 Td (quarter ) Tj ET Q q 0 0 0 rg BT 220.37 155.00 Td (of ) Tj ET Q q 0 0 0 rg BT 231.42 155.00 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 255.80 155.00 Td (year ) Tj ET Q q 0 0 0 rg BT 275.72 155.00 Td (2017, ) Tj ET Q q 0 0 0 rg BT 300.94 155.00 Td (we ) Tj ET Q q 0 0 0 rg BT 315.32 155.00 Td (began ) Tj ET Q q 0 0 0 rg BT 341.92 155.00 Td (to ) Tj ET Q q 0 0 0 rg BT 352.41 155.00 Td (issue ) Tj ET Q q 0 0 0 rg BT 375.13 155.00 Td (an ) Tj ET Q q 0 0 0 rg BT 387.29 155.00 Td (18 ) Tj ET Q q 0 0 0 rg BT 400.01 155.00 Td (month ) Tj ET Q q 0 0 0 rg BT 428.28 155.00 Td (cash-option, ) Tj ET Q q 0 0 0 rg BT 480.16 155.00 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 525.64 155.00 Td (program. ) Tj ET Q q 0 0 0 rg BT 564.52 155.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 143.00 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 143.00 Td (e ) Tj ET Q q 0 0 0 rg BT 65.58 143.00 Td (discontinued ) Tj ET Q q 0 0 0 rg BT 119.18 143.00 Td (of) Tj ET Q q 0 0 0 rg BT 127.33 143.00 Td (fering ) Tj ET Q q 0 0 0 rg BT 153.71 143.00 Td (our ) Tj ET Q q 0 0 0 rg BT 169.54 143.00 Td (18-month ) Tj ET Q q 0 0 0 rg BT 210.92 143.00 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 256.19 143.00 Td (option ) Tj ET Q q 0 0 0 rg BT 284.24 143.00 Td (finance ) Tj ET Q q 0 0 0 rg BT 316.17 143.00 Td (program ) Tj ET Q q 0 0 0 rg BT 352.54 143.00 Td (after ) Tj ET Q q 0 0 0 rg BT 373.36 143.00 Td (January ) Tj ET Q q 0 0 0 rg BT 406.96 143.00 Td (31, ) Tj ET Q q 0 0 0 rg BT 421.96 143.00 Td (2018. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 125.00 Td (Liquidity ) Tj ET Q q 0 0 0 rg BT 92.52 125.00 Td (and ) Tj ET Q q 0 0 0 rg BT 111.14 125.00 Td (Capital ) Tj ET Q q 0 0 0 rg BT 145.31 125.00 Td (Resour) Tj ET Q q 0 0 0 rg BT 175.68 125.00 Td (ces) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 107.00 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 107.00 Td (e ) Tj ET Q q 0 0 0 rg BT 66.04 107.00 Td (require ) Tj ET Q q 0 0 0 rg BT 97.33 107.00 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 134.19 107.00 Td (and ) Tj ET Q q 0 0 0 rg BT 151.59 107.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 181.21 107.00 Td (resources ) Tj ET Q q 0 0 0 rg BT 221.94 107.00 Td (to ) Tj ET Q q 0 0 0 rg BT 232.68 107.00 Td (finance ) Tj ET Q q 0 0 0 rg BT 265.08 107.00 Td (our ) Tj ET Q q 0 0 0 rg BT 281.37 107.00 Td (operations ) Tj ET Q q 0 0 0 rg BT 326.00 107.00 Td (and ) Tj ET Q q 0 0 0 rg BT 343.40 107.00 Td (future ) Tj ET Q q 0 0 0 rg BT 370.25 107.00 Td (growth ) Tj ET Q q 0 0 0 rg BT 401.54 107.00 Td (as ) Tj ET Q q 0 0 0 rg BT 412.84 107.00 Td (we ) Tj ET Q q 0 0 0 rg BT 427.47 107.00 Td (add ) Tj ET Q q 0 0 0 rg BT 444.88 107.00 Td (new ) Tj ET Q q 0 0 0 rg BT 464.50 107.00 Td (stores ) Tj ET Q q 0 0 0 rg BT 490.80 107.00 Td (to ) Tj ET Q q 0 0 0 rg BT 501.55 107.00 Td (our ) Tj ET Q q 0 0 0 rg BT 517.85 107.00 Td (operations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 95.00 Td (which ) Tj ET Q q 0 0 0 rg BT 77.56 95.00 Td (in ) Tj ET Q q 0 0 0 rg BT 88.46 95.00 Td (turn ) Tj ET Q q 0 0 0 rg BT 107.69 95.00 Td (requires ) Tj ET Q q 0 0 0 rg BT 143.01 95.00 Td (additional ) Tj ET Q q 0 0 0 rg BT 186.12 95.00 Td (working ) Tj ET Q q 0 0 0 rg BT 222.57 95.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 252.34 95.00 Td (for ) Tj ET Q q 0 0 0 rg BT 267.12 95.00 Td (increased ) Tj ET Q q 0 0 0 rg BT 308.00 95.00 Td (customer ) Tj ET Q q 0 0 0 rg BT 347.77 95.00 Td (receivables ) Tj ET Q q 0 0 0 rg BT 395.86 95.00 Td (and ) Tj ET Q q 0 0 0 rg BT 413.42 95.00 Td (inventory) Tj ET Q q 0 0 0 rg BT 451.10 95.00 Td (. ) Tj ET Q q 0 0 0 rg BT 456.72 95.00 Td ( ) Tj ET Q q 0 0 0 rg BT 459.61 95.00 Td (W) Tj ET Q q 0 0 0 rg BT 468.25 95.00 Td (e ) Tj ET Q q 0 0 0 rg BT 475.81 95.00 Td (generally ) Tj ET Q q 0 0 0 rg BT 516.13 95.00 Td (finance ) Tj ET Q q 0 0 0 rg BT 548.68 95.00 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 83.00 Td (operations ) Tj ET Q q 0 0 0 rg BT 94.65 83.00 Td (through ) Tj ET Q q 0 0 0 rg BT 128.75 83.00 Td (a ) Tj ET Q q 0 0 0 rg BT 136.19 83.00 Td (combination ) Tj ET Q q 0 0 0 rg BT 189.17 83.00 Td (of ) Tj ET Q q 0 0 0 rg BT 200.50 83.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 221.26 83.00 Td (flow ) Tj ET Q q 0 0 0 rg BT 242.59 83.00 Td (generated ) Tj ET Q q 0 0 0 rg BT 284.45 83.00 Td (from ) Tj ET Q q 0 0 0 rg BT 306.88 83.00 Td (operations, ) Tj ET Q q 0 0 0 rg BT 354.03 83.00 Td (the ) Tj ET Q q 0 0 0 rg BT 369.25 83.00 Td (use ) Tj ET Q q 0 0 0 rg BT 385.57 83.00 Td (of ) Tj ET Q q 0 0 0 rg BT 396.90 83.00 Td (our ) Tj ET Q q 0 0 0 rg BT 413.22 83.00 Td (revolving ) Tj ET Q q 0 0 0 rg BT 454.54 83.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 480.30 83.00 Td (facility) Tj ET Q q 0 0 0 rg BT 507.97 83.00 Td (, ) Tj ET Q q 0 0 0 rg BT 513.47 83.00 Td (and ) Tj ET Q q 0 0 0 rg BT 530.90 83.00 Td (through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 71.00 Td (periodic ) Tj ET Q q 0 0 0 rg BT 84.10 71.00 Td (securitizations ) Tj ET Q q 0 0 0 rg BT 143.20 71.00 Td (of ) Tj ET Q q 0 0 0 rg BT 152.86 71.00 Td (originated ) Tj ET Q q 0 0 0 rg BT 194.74 71.00 Td (customer ) Tj ET Q q 0 0 0 rg BT 232.73 71.00 Td (receivables. ) Tj ET Q q 0 0 0 rg BT 281.45 71.00 Td (W) Tj ET Q q 0 0 0 rg BT 290.08 71.00 Td (e ) Tj ET Q q 0 0 0 rg BT 295.86 71.00 Td (plan ) Tj ET Q q 0 0 0 rg BT 314.41 71.00 Td (to ) Tj ET Q q 0 0 0 rg BT 323.53 71.00 Td (execute ) Tj ET Q q 0 0 0 rg BT 355.40 71.00 Td (periodic ) Tj ET Q q 0 0 0 rg BT 389.50 71.00 Td (securitizations ) Tj ET Q q 0 0 0 rg BT 448.59 71.00 Td (of ) Tj ET Q q 0 0 0 rg BT 458.26 71.00 Td (future ) Tj ET Q q 0 0 0 rg BT 483.47 71.00 Td (originated ) Tj ET Q q 0 0 0 rg BT 525.35 71.00 Td (customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 59.00 Td (receivables. ) Tj ET Q endstream endobj 99 0 obj <>] /Rotate 0 /Contents 100 0 R>> endobj 100 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (48) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 742.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.57 742.10 Td (believe, ) Tj ET Q q 0 0 0 rg BT 99.43 742.10 Td (based ) Tj ET Q q 0 0 0 rg BT 124.69 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 137.18 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 153.00 742.10 Td (current ) Tj ET Q q 0 0 0 rg BT 183.80 742.10 Td (projections, ) Tj ET Q q 0 0 0 rg BT 233.23 742.10 Td (that ) Tj ET Q q 0 0 0 rg BT 250.71 742.10 Td (we ) Tj ET Q q 0 0 0 rg BT 264.86 742.10 Td (have ) Tj ET Q q 0 0 0 rg BT 286.23 742.10 Td (suf) Tj ET Q q 0 0 0 rg BT 298.27 742.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 326.30 742.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 358.78 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 369.60 742.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 405.99 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 416.25 742.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 437.08 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 452.90 742.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 499.54 742.10 Td (store ) Tj ET Q q 0 0 0 rg BT 521.47 742.10 Td (expansion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 730.10 Td (renovation ) Tj ET Q q 0 0 0 rg BT 112.20 730.10 Td (activities, ) Tj ET Q q 0 0 0 rg BT 153.30 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 170.24 730.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 199.39 730.10 Td (expenditures ) Tj ET Q q 0 0 0 rg BT 252.98 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 267.14 730.10 Td (at ) Tj ET Q q 0 0 0 rg BT 276.86 730.10 Td (least ) Tj ET Q q 0 0 0 rg BT 297.69 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 312.40 730.10 Td (next ) Tj ET Q q 0 0 0 rg BT 332.12 730.10 Td (12 ) Tj ET Q q 0 0 0 rg BT 344.62 730.10 Td (months.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 712.10 Td (Operating ) Tj ET Q q 0 0 0 rg BT 93.52 712.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 114.25 712.10 Td (flows.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.92 712.10 Td ( ) Tj ET Q q 0 0 0 rg BT 142.77 712.10 Td (For ) Tj ET Q q 0 0 0 rg BT 158.51 712.10 Td (the ) Tj ET Q q 0 0 0 rg BT 172.57 712.10 Td (year ) Tj ET Q q 0 0 0 rg BT 191.62 712.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.34 712.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 265.29 712.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.29 712.10 Td (, ) Tj ET Q q 0 0 0 rg BT 289.63 712.10 Td (net ) Tj ET Q q 0 0 0 rg BT 303.70 712.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 323.31 712.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 360.70 712.10 Td (by ) Tj ET Q q 0 0 0 rg BT 372.55 712.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 412.16 712.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 450.10 712.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.50 712.10 Td ($51.4 ) Tj ET Q q 0 0 0 rg BT 491.85 712.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.74 712.10 Td ( ) Tj ET Q q 0 0 0 rg BT 522.58 712.10 Td (compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.51 700.10 Td ($205.2 ) Tj ET Q q 0 0 0 rg BT 90.74 700.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.63 700.10 Td ( ) Tj ET Q q 0 0 0 rg BT 122.36 700.10 Td (for ) Tj ET Q q 0 0 0 rg BT 136.74 700.10 Td (the ) Tj ET Q q 0 0 0 rg BT 151.69 700.10 Td (year ) Tj ET Q q 0 0 0 rg BT 171.63 700.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.23 700.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 247.06 700.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.06 700.10 Td (. ) Tj ET Q q 0 0 0 rg BT 272.29 700.10 Td ( ) Tj ET Q q 0 0 0 rg BT 274.82 700.10 Td (The ) Tj ET Q q 0 0 0 rg BT 293.09 700.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 330.24 700.10 Td (in ) Tj ET Q q 0 0 0 rg BT 340.74 700.10 Td (net ) Tj ET Q q 0 0 0 rg BT 355.69 700.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 376.18 700.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 414.46 700.10 Td (by ) Tj ET Q q 0 0 0 rg BT 427.19 700.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 467.68 700.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 506.51 700.10 Td (was ) Tj ET Q q 0 0 0 rg BT 524.79 700.10 Td (primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 78.95 688.10 Td (by ) Tj ET Q q 0 0 0 rg BT 92.35 688.10 Td (an ) Tj ET Q q 0 0 0 rg BT 105.19 688.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 141.34 688.10 Td (in ) Tj ET Q q 0 0 0 rg BT 152.52 688.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 173.69 688.10 Td (used ) Tj ET Q q 0 0 0 rg BT 195.42 688.10 Td (for ) Tj ET Q q 0 0 0 rg BT 210.48 688.10 Td (working ) Tj ET Q q 0 0 0 rg BT 247.21 688.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 279.77 688.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 320.38 688.10 Td (used ) Tj ET Q q 0 0 0 rg BT 342.11 688.10 Td (to ) Tj ET Q q 0 0 0 rg BT 353.29 688.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 392.23 688.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 433.95 688.10 Td (and ) Tj ET Q q 0 0 0 rg BT 451.79 688.10 Td (for ) Tj ET Q q 0 0 0 rg BT 466.85 688.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 505.24 688.10 Td (payable ) Tj ET Q q 0 0 0 rg BT 539.73 688.10 Td (and ) Tj ET Q q 0 0 0 rg BT 557.57 688.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 87.09 676.10 Td (in ) Tj ET Q q 0 0 0 rg BT 97.55 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 112.44 676.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 145.12 676.10 Td (of ) Tj ET Q q 0 0 0 rg BT 156.13 676.10 Td (tenant ) Tj ET Q q 0 0 0 rg BT 183.24 676.10 Td (improvement ) Tj ET Q q 0 0 0 rg BT 239.24 676.10 Td (allowances ) Tj ET Q q 0 0 0 rg BT 286.34 676.10 Td (received, ) Tj ET Q q 0 0 0 rg BT 325.38 676.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 361.38 676.10 Td (of) Tj ET Q q 0 0 0 rg BT 369.53 676.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 386.64 676.10 Td (by ) Tj ET Q q 0 0 0 rg BT 399.32 676.10 Td (an ) Tj ET Q q 0 0 0 rg BT 411.44 676.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 446.87 676.10 Td (in ) Tj ET Q q 0 0 0 rg BT 457.33 676.10 Td (net ) Tj ET Q q 0 0 0 rg BT 472.22 676.10 Td (income ) Tj ET Q q 0 0 0 rg BT 504.33 676.10 Td (when ) Tj ET Q q 0 0 0 rg BT 528.67 676.10 Td (adjusted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.16 664.10 Td (non-cash ) Tj ET Q q 0 0 0 rg BT 102.76 664.10 Td (activity) Tj ET Q q 0 0 0 rg BT 132.10 664.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (Investing ) Tj ET Q q 0 0 0 rg BT 90.94 646.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 112.42 646.10 Td (flows. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.69 646.10 Td (For ) Tj ET Q q 0 0 0 rg BT 158.17 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 172.99 646.10 Td (year ) Tj ET Q q 0 0 0 rg BT 192.79 646.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.26 646.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 267.95 646.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.95 646.10 Td (, ) Tj ET Q q 0 0 0 rg BT 293.05 646.10 Td (net ) Tj ET Q q 0 0 0 rg BT 307.86 646.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 328.23 646.10 Td (used ) Tj ET Q q 0 0 0 rg BT 349.15 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 359.52 646.10 Td (investing ) Tj ET Q q 0 0 0 rg BT 398.78 646.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 437.48 646.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.63 646.10 Td ($16.9 ) Tj ET Q q 0 0 0 rg BT 480.72 646.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.61 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 512.21 646.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 554.23 646.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td ($35.8 ) Tj ET Q q 0 0 0 rg BT 75.45 634.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.34 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 107.30 634.10 Td (for ) Tj ET Q q 0 0 0 rg BT 121.91 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 137.08 634.10 Td (year ) Tj ET Q q 0 0 0 rg BT 157.24 634.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.07 634.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 233.12 634.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.12 634.10 Td (. ) Tj ET Q q 0 0 0 rg BT 258.58 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 261.32 634.10 Td (The ) Tj ET Q q 0 0 0 rg BT 279.82 634.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 317.18 634.10 Td (was ) Tj ET Q q 0 0 0 rg BT 335.69 634.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 375.85 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 391.02 634.10 Td (result ) Tj ET Q q 0 0 0 rg BT 416.19 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 427.48 634.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 453.20 634.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 482.80 634.10 Td (expenditures ) Tj ET Q q 0 0 0 rg BT 536.85 634.10 Td (due ) Tj ET Q q 0 0 0 rg BT 554.24 634.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (fewer ) Tj ET Q q 0 0 0 rg BT 75.09 622.10 Td (new ) Tj ET Q q 0 0 0 rg BT 94.07 622.10 Td (store ) Tj ET Q q 0 0 0 rg BT 115.84 622.10 Td (openings ) Tj ET Q q 0 0 0 rg BT 154.27 622.10 Td (for ) Tj ET Q q 0 0 0 rg BT 168.26 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 182.80 622.10 Td (year ) Tj ET Q q 0 0 0 rg BT 202.34 622.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.54 622.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 276.97 622.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.97 622.10 Td ( ) Tj ET Q q 0 0 0 rg BT 299.29 622.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 341.04 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 351.15 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 365.69 622.10 Td (year ) Tj ET Q q 0 0 0 rg BT 385.22 622.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.43 622.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 459.85 622.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.85 622.10 Td (, ) Tj ET Q q 0 0 0 rg BT 484.68 622.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 520.33 622.10 Td (of) Tj ET Q q 0 0 0 rg BT 528.48 622.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 545.24 622.10 Td (by ) Tj ET Q q 0 0 0 rg BT 557.57 622.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 86.91 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 97.19 610.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 135.23 610.10 Td (from ) Tj ET Q q 0 0 0 rg BT 157.17 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 171.88 610.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 189.93 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 200.76 610.10 Td (property ) Tj ET Q q 0 0 0 rg BT 237.14 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 254.08 610.10 Td (equipment.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (Financing ) Tj ET Q q 0 0 0 rg BT 95.62 592.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 116.79 592.10 Td (flows. ) Tj ET Q q 0 0 0 rg BT 143.23 592.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.73 592.10 Td (For ) Tj ET Q q 0 0 0 rg BT 161.90 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 176.39 592.10 Td (year ) Tj ET Q q 0 0 0 rg BT 195.87 592.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.02 592.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 270.40 592.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.40 592.10 Td (, ) Tj ET Q q 0 0 0 rg BT 295.17 592.10 Td (net ) Tj ET Q q 0 0 0 rg BT 309.66 592.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 329.71 592.10 Td (used ) Tj ET Q q 0 0 0 rg BT 350.31 592.10 Td (in ) Tj ET Q q 0 0 0 rg BT 360.36 592.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 400.40 592.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 438.77 592.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.60 592.10 Td ($48.7 ) Tj ET Q q 0 0 0 rg BT 481.38 592.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.27 592.10 Td ( ) Tj ET Q q 0 0 0 rg BT 512.54 592.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 554.24 592.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (net ) Tj ET Q q 0 0 0 rg BT 65.02 580.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 85.59 580.10 Td (used ) Tj ET Q q 0 0 0 rg BT 106.72 580.10 Td (in ) Tj ET Q q 0 0 0 rg BT 117.30 580.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 157.87 580.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 196.77 580.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.90 580.10 Td ($158.1 ) Tj ET Q q 0 0 0 rg BT 238.20 580.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.09 580.10 Td ( ) Tj ET Q q 0 0 0 rg BT 269.89 580.10 Td (for ) Tj ET Q q 0 0 0 rg BT 284.36 580.10 Td (the ) Tj ET Q q 0 0 0 rg BT 299.37 580.10 Td (year ) Tj ET Q q 0 0 0 rg BT 319.38 580.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.06 580.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 394.96 580.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.96 580.10 Td (. ) Tj ET Q q 0 0 0 rg BT 420.26 580.10 Td ( ) Tj ET Q q 0 0 0 rg BT 423.07 580.10 Td (During ) Tj ET Q q 0 0 0 rg BT 454.20 580.10 Td (the ) Tj ET Q q 0 0 0 rg BT 469.22 580.10 Td (year ) Tj ET Q q 0 0 0 rg BT 489.22 580.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.90 580.10 Td (January31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 568.10 Td (, ) Tj ET Q q 0 0 0 rg BT 74.85 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 89.41 568.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 125.64 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 136.31 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 150.88 568.10 Td (2017-A) Tj ET Q q 0 0 0 rg BT 180.88 568.10 Td ( ) Tj ET Q q 0 0 0 rg BT 183.06 568.10 Td (VIE ) Tj ET Q q 0 0 0 rg BT 202.06 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 218.85 568.10 Td (2017-B ) Tj ET Q q 0 0 0 rg BT 251.03 568.10 Td (VIE ) Tj ET Q q 0 0 0 rg BT 270.04 568.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 323.47 568.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 346.92 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 363.54 568.10 Td (W) Tj ET Q q 0 0 0 rg BT 372.18 568.10 Td (arehouse ) Tj ET Q q 0 0 0 rg BT 410.06 568.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 435.74 568.10 Td (resulted ) Tj ET Q q 0 0 0 rg BT 469.74 568.10 Td (in ) Tj ET Q q 0 0 0 rg BT 479.87 568.10 Td (net ) Tj ET Q q 0 0 0 rg BT 494.43 568.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 532.32 568.10 Td (to ) Tj ET Q q 0 0 0 rg BT 542.44 568.10 Td (us ) Tj ET Q q 0 0 0 rg BT 553.68 568.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.93 556.10 Td ($1.10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.43 556.10 Td ( ) Tj ET Q q 0 0 0 rg BT 136.59 556.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 168.37 556.10 Td (net ) Tj ET Q q 0 0 0 rg BT 183.75 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 195.25 556.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 242.29 556.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 265.46 556.10 Td (and ) Tj ET Q q 0 0 0 rg BT 283.06 556.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 323.43 556.10 Td (cash. ) Tj ET Q q 0 0 0 rg BT 346.64 556.10 Td (The ) Tj ET Q q 0 0 0 rg BT 365.35 556.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 404.05 556.10 Td (from ) Tj ET Q q 0 0 0 rg BT 426.66 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 442.04 556.10 Td (2017-A) Tj ET Q q 0 0 0 rg BT 472.04 556.10 Td ( ) Tj ET Q q 0 0 0 rg BT 474.98 556.10 Td (VIE ) Tj ET Q q 0 0 0 rg BT 494.81 556.10 Td (and ) Tj ET Q q 0 0 0 rg BT 512.41 556.10 Td (2017-B ) Tj ET Q q 0 0 0 rg BT 545.35 556.10 Td (VIE ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 103.75 544.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 127.52 544.10 Td (were ) Tj ET Q q 0 0 0 rg BT 149.62 544.10 Td (used ) Tj ET Q q 0 0 0 rg BT 170.61 544.10 Td (to ) Tj ET Q q 0 0 0 rg BT 181.05 544.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 198.16 544.10 Td (down ) Tj ET Q q 0 0 0 rg BT 223.04 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 237.93 544.10 Td (entire ) Tj ET Q q 0 0 0 rg BT 263.36 544.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 296.55 544.10 Td (on ) Tj ET Q q 0 0 0 rg BT 309.22 544.10 Td (our ) Tj ET Q q 0 0 0 rg BT 325.21 544.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 366.20 544.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 391.63 544.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 422.62 544.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 471.95 544.10 Td (at ) Tj ET Q q 0 0 0 rg BT 481.83 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 496.71 544.10 Td (time ) Tj ET Q q 0 0 0 rg BT 517.15 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 528.14 544.10 Td (issuance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.44 532.10 Td (for ) Tj ET Q q 0 0 0 rg BT 80.11 532.10 Td (other ) Tj ET Q q 0 0 0 rg BT 102.66 532.10 Td (general ) Tj ET Q q 0 0 0 rg BT 134.08 532.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 173.84 532.10 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 213.90 532.10 Td ( ) Tj ET Q q 0 0 0 rg BT 215.75 532.10 Td (The ) Tj ET Q q 0 0 0 rg BT 233.30 532.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 270.84 532.10 Td (from ) Tj ET Q q 0 0 0 rg BT 292.29 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.36 532.10 Td (W) Tj ET Q q 0 0 0 rg BT 315.00 532.10 Td (arehouse ) Tj ET Q q 0 0 0 rg BT 352.54 532.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 377.87 532.10 Td (were ) Tj ET Q q 0 0 0 rg BT 399.31 532.10 Td (used ) Tj ET Q q 0 0 0 rg BT 419.64 532.10 Td (to ) Tj ET Q q 0 0 0 rg BT 429.42 532.10 Td (early ) Tj ET Q q 0 0 0 rg BT 451.41 532.10 Td (retire ) Tj ET Q q 0 0 0 rg BT 474.51 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 488.73 532.10 Td (2016-A) Tj ET Q q 0 0 0 rg BT 518.73 532.10 Td ( ) Tj ET Q q 0 0 0 rg BT 520.59 532.10 Td (VIE ) Tj ET Q q 0 0 0 rg BT 539.25 532.10 Td (asset-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (backed ) Tj ET Q q 0 0 0 rg BT 81.87 520.10 Td (notes. ) Tj ET Q q 0 0 0 rg BT 109.03 520.10 Td ( ) Tj ET Q q 0 0 0 rg BT 112.33 520.10 Td (The ) Tj ET Q q 0 0 0 rg BT 131.43 520.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 170.52 520.10 Td (from ) Tj ET Q q 0 0 0 rg BT 193.52 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 209.29 520.10 Td (2017-B ) Tj ET Q q 0 0 0 rg BT 242.59 520.10 Td (VIE ) Tj ET Q q 0 0 0 rg BT 262.80 520.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 317.44 520.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 342.10 520.10 Td (were ) Tj ET Q q 0 0 0 rg BT 365.09 520.10 Td (also ) Tj ET Q q 0 0 0 rg BT 384.75 520.10 Td (used ) Tj ET Q q 0 0 0 rg BT 406.63 520.10 Td (to ) Tj ET Q q 0 0 0 rg BT 417.97 520.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 435.96 520.10 Td (down ) Tj ET Q q 0 0 0 rg BT 461.74 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 477.51 520.10 Td (entire ) Tj ET Q q 0 0 0 rg BT 503.83 520.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 537.91 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 520.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 508.10 Td (arehouse ) Tj ET Q q 0 0 0 rg BT 96.79 508.10 Td (Notes. ) Tj ET Q q 0 0 0 rg BT 125.24 508.10 Td ( ) Tj ET Q q 0 0 0 rg BT 127.86 508.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 150.48 508.10 Td (collections ) Tj ET Q q 0 0 0 rg BT 196.42 508.10 Td (from ) Tj ET Q q 0 0 0 rg BT 218.48 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 233.32 508.10 Td (securitized ) Tj ET Q q 0 0 0 rg BT 279.25 508.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 326.84 508.10 Td (were ) Tj ET Q q 0 0 0 rg BT 348.89 508.10 Td (used ) Tj ET Q q 0 0 0 rg BT 369.84 508.10 Td (to ) Tj ET Q q 0 0 0 rg BT 380.23 508.10 Td (make ) Tj ET Q q 0 0 0 rg BT 404.51 508.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 445.45 508.10 Td (on ) Tj ET Q q 0 0 0 rg BT 458.07 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 472.91 508.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 526.61 508.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 550.34 508.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.97 496.10 Td (years ) Tj ET Q q 0 0 0 rg BT 88.82 496.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.45 496.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 164.31 496.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.31 496.10 Td ( ) Tj ET Q q 0 0 0 rg BT 187.06 496.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.25 496.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 253.11 496.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.11 496.10 Td (. ) Tj ET Q q 0 0 0 rg BT 278.36 496.10 Td ( ) Tj ET Q q 0 0 0 rg BT 281.11 496.10 Td (During ) Tj ET Q q 0 0 0 rg BT 312.20 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 327.17 496.10 Td (year ) Tj ET Q q 0 0 0 rg BT 347.13 496.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.76 496.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 422.61 496.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.61 496.10 Td (, ) Tj ET Q q 0 0 0 rg BT 447.87 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 462.84 496.10 Td (2016-A) Tj ET Q q 0 0 0 rg BT 492.84 496.10 Td ( ) Tj ET Q q 0 0 0 rg BT 495.39 496.10 Td (VIE ) Tj ET Q q 0 0 0 rg BT 514.81 496.10 Td (and ) Tj ET Q q 0 0 0 rg BT 532.00 496.10 Td (2016-B ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (VIE ) Tj ET Q q 0 0 0 rg BT 68.64 484.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 95.63 484.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 148.70 484.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 171.79 484.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 208.77 484.10 Td (in ) Tj ET Q q 0 0 0 rg BT 218.53 484.10 Td (net ) Tj ET Q q 0 0 0 rg BT 232.73 484.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 270.25 484.10 Td (to ) Tj ET Q q 0 0 0 rg BT 280.01 484.10 Td (us ) Tj ET Q q 0 0 0 rg BT 290.89 484.10 Td (of ) Tj ET Q q 0 0 0 rg BT 301.20 484.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.95 484.10 Td ($1.04 ) Tj ET Q q 0 0 0 rg BT 385.43 484.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.54 484.10 Td (, ) Tj ET Q q 0 0 0 rg BT 416.03 484.10 Td (net ) Tj ET Q q 0 0 0 rg BT 430.23 484.10 Td (of ) Tj ET Q q 0 0 0 rg BT 440.54 484.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 486.40 484.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 508.38 484.10 Td (and ) Tj ET Q q 0 0 0 rg BT 524.80 484.10 Td (restricted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (cash, ) Tj ET Q q 0 0 0 rg BT 72.75 472.10 Td (which ) Tj ET Q q 0 0 0 rg BT 99.68 472.10 Td (were ) Tj ET Q q 0 0 0 rg BT 121.59 472.10 Td (used ) Tj ET Q q 0 0 0 rg BT 142.41 472.10 Td (to ) Tj ET Q q 0 0 0 rg BT 152.67 472.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 169.59 472.10 Td (down ) Tj ET Q q 0 0 0 rg BT 194.30 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 209.00 472.10 Td (entire ) Tj ET Q q 0 0 0 rg BT 234.25 472.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 267.27 472.10 Td (on ) Tj ET Q q 0 0 0 rg BT 279.76 472.10 Td (our ) Tj ET Q q 0 0 0 rg BT 295.57 472.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 336.38 472.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 361.63 472.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 392.44 472.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 441.59 472.10 Td (at ) Tj ET Q q 0 0 0 rg BT 451.29 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 465.99 472.10 Td (time ) Tj ET Q q 0 0 0 rg BT 486.25 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 497.07 472.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 533.43 472.10 Td (and ) Tj ET Q q 0 0 0 rg BT 550.35 472.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (other ) Tj ET Q q 0 0 0 rg BT 73.05 460.10 Td (general ) Tj ET Q q 0 0 0 rg BT 104.97 460.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 145.22 460.10 Td (purposes. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (Senior ) Tj ET Q q 0 0 0 rg BT 79.52 442.10 Td (Notes. ) Tj ET Q q 0 0 0 rg BT 107.64 442.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.94 442.10 Td (On ) Tj ET Q q 0 0 0 rg BT 124.45 442.10 Td (July ) Tj ET Q q 0 0 0 rg BT 143.41 442.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 153.20 442.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 177.99 442.10 Td (we ) Tj ET Q q 0 0 0 rg BT 191.95 442.10 Td (issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.24 442.10 Td ($250.0 ) Tj ET Q q 0 0 0 rg BT 249.03 442.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.92 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 280.21 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 290.83 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 305.34 442.10 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 348.17 442.10 Td (Senior ) Tj ET Q q 0 0 0 rg BT 376.57 442.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 402.19 442.10 Td (due ) Tj ET Q q 0 0 0 rg BT 418.92 442.10 Td (July ) Tj ET Q q 0 0 0 rg BT 437.88 442.10 Td (2022 ) Tj ET Q q 0 0 0 rg BT 460.17 442.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 492.45 442.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 524.18 442.10 Td (at ) Tj ET Q q 0 0 0 rg BT 533.68 442.10 Td (7.25%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 87.75 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 98.84 430.10 Td (an ) Tj ET Q q 0 0 0 rg BT 111.59 430.10 Td (indenture ) Tj ET Q q 0 0 0 rg BT 152.67 430.10 Td (dated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.64 430.10 Td (July1, ) Tj ET Q q 0 0 0 rg BT 207.62 430.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.62 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 230.94 430.10 Td (\(as ) Tj ET Q q 0 0 0 rg BT 245.91 430.10 Td (amended, ) Tj ET Q q 0 0 0 rg BT 287.81 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 303.34 430.10 Td ("Indenture"\), ) Tj ET Q q 0 0 0 rg BT 358.97 430.10 Td (among ) Tj ET Q q 0 0 0 rg BT 389.50 430.10 Td (Conn's, ) Tj ET Q q 0 0 0 rg BT 422.67 430.10 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 443.75 430.10 Td (its ) Tj ET Q q 0 0 0 rg BT 456.52 430.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 500.94 430.10 Td (guarantors ) Tj ET Q q 0 0 0 rg BT 546.46 430.10 Td (\(the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td ("Guarantors"\) ) Tj ET Q q 0 0 0 rg BT 108.59 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 125.70 418.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 146.15 418.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 169.93 418.10 Td (National ) Tj ET Q q 0 0 0 rg BT 206.45 418.10 Td (Association, ) Tj ET Q q 0 0 0 rg BT 258.83 418.10 Td (as ) Tj ET Q q 0 0 0 rg BT 269.83 418.10 Td (trustee. ) Tj ET Q q 0 0 0 rg BT 301.66 418.10 Td ( ) Tj ET Q q 0 0 0 rg BT 304.14 418.10 Td (The ) Tj ET Q q 0 0 0 rg BT 322.35 418.10 Td (ef) Tj ET Q q 0 0 0 rg BT 329.94 418.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 359.81 418.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 391.92 418.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 409.57 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 420.57 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 435.46 418.10 Td (Senior ) Tj ET Q q 0 0 0 rg BT 464.24 418.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 490.24 418.10 Td (after ) Tj ET Q q 0 0 0 rg BT 511.22 418.10 Td (giving ) Tj ET Q q 0 0 0 rg BT 539.45 418.10 Td (ef) Tj ET Q q 0 0 0 rg BT 547.04 418.10 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.00 406.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 111.38 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 128.32 406.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 164.70 406.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 187.20 406.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.37 406.10 Td (7.8%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.20 406.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.93 388.10 Td (Indenture ) Tj ET Q q 0 0 0 rg BT 108.62 388.10 Td (restricts ) Tj ET Q q 0 0 0 rg BT 142.66 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 157.25 388.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 204.21 388.10 Td (and ) Tj ET Q q 0 0 0 rg BT 221.03 388.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 250.61 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 261.32 388.10 Td (its ) Tj ET Q q 0 0 0 rg BT 273.15 388.10 Td (subsidiaries' ) Tj ET Q q 0 0 0 rg BT 324.55 388.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 352.48 388.10 Td (to: ) Tj ET Q q 0 0 0 rg BT 365.41 388.10 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 377.23 388.10 Td (incur ) Tj ET Q q 0 0 0 rg BT 400.16 388.10 Td (indebtedness; ) Tj ET Q q 0 0 0 rg BT 456.97 388.10 Td (\(ii\) ) Tj ET Q q 0 0 0 rg BT 471.57 388.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 488.38 388.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 529.65 388.10 Td (or ) Tj ET Q q 0 0 0 rg BT 540.36 388.10 Td (make ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (other ) Tj ET Q q 0 0 0 rg BT 71.84 376.10 Td (distributions ) Tj ET Q q 0 0 0 rg BT 123.14 376.10 Td (in ) Tj ET Q q 0 0 0 rg BT 132.22 376.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 161.83 376.10 Td (of, ) Tj ET Q q 0 0 0 rg BT 173.95 376.10 Td (or ) Tj ET Q q 0 0 0 rg BT 183.58 376.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 228.18 376.10 Td (or ) Tj ET Q q 0 0 0 rg BT 237.80 376.10 Td (redeem, ) Tj ET Q q 0 0 0 rg BT 271.02 376.10 Td (our ) Tj ET Q q 0 0 0 rg BT 285.65 376.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 313.60 376.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 336.00 376.10 Td (\("restricted ) Tj ET Q q 0 0 0 rg BT 381.91 376.10 Td (payments"\); ) Tj ET Q q 0 0 0 rg BT 431.72 376.10 Td (\(iii\) ) Tj ET Q q 0 0 0 rg BT 448.01 376.10 Td (prepay) Tj ET Q q 0 0 0 rg BT 474.57 376.10 Td (, ) Tj ET Q q 0 0 0 rg BT 478.36 376.10 Td (redeem ) Tj ET Q q 0 0 0 rg BT 509.08 376.10 Td (or ) Tj ET Q q 0 0 0 rg BT 518.71 376.10 Td (repurchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 69.87 364.10 Td (that ) Tj ET Q q 0 0 0 rg BT 87.52 364.10 Td (is ) Tj ET Q q 0 0 0 rg BT 96.84 364.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 123.38 364.10 Td (in ) Tj ET Q q 0 0 0 rg BT 133.81 364.10 Td (right ) Tj ET Q q 0 0 0 rg BT 155.35 364.10 Td (of ) Tj ET Q q 0 0 0 rg BT 166.33 364.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 203.42 364.10 Td (to ) Tj ET Q q 0 0 0 rg BT 213.85 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 228.72 364.10 Td (notes; ) Tj ET Q q 0 0 0 rg BT 255.26 364.10 Td (\(iv\) ) Tj ET Q q 0 0 0 rg BT 272.35 364.10 Td (make ) Tj ET Q q 0 0 0 rg BT 296.66 364.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 320.42 364.10 Td (and ) Tj ET Q q 0 0 0 rg BT 337.51 364.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 367.37 364.10 Td (investments; ) Tj ET Q q 0 0 0 rg BT 420.57 364.10 Td (\(v\) ) Tj ET Q q 0 0 0 rg BT 434.88 364.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 451.42 364.10 Td (assets; ) Tj ET Q q 0 0 0 rg BT 480.19 364.10 Td (\(vi\) ) Tj ET Q q 0 0 0 rg BT 497.28 364.10 Td (incur ) Tj ET Q q 0 0 0 rg BT 520.48 364.10 Td (liens; ) Tj ET Q q 0 0 0 rg BT 544.79 364.10 Td (\(vii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (enter ) Tj ET Q q 0 0 0 rg BT 72.82 352.10 Td (into ) Tj ET Q q 0 0 0 rg BT 91.21 352.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 141.81 352.10 Td (with ) Tj ET Q q 0 0 0 rg BT 162.42 352.10 Td (af) Tj ET Q q 0 0 0 rg BT 170.01 352.10 Td (filiates; ) Tj ET Q q 0 0 0 rg BT 202.83 352.10 Td (and ) Tj ET Q q 0 0 0 rg BT 220.10 352.10 Td (\(viii\) ) Tj ET Q q 0 0 0 rg BT 242.93 352.10 Td (consolidate, ) Tj ET Q q 0 0 0 rg BT 293.81 352.10 Td (mer) Tj ET Q q 0 0 0 rg BT 309.17 352.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 321.44 352.10 Td (or ) Tj ET Q q 0 0 0 rg BT 332.61 352.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 349.33 352.10 Td (all ) Tj ET Q q 0 0 0 rg BT 362.16 352.10 Td (or ) Tj ET Q q 0 0 0 rg BT 373.32 352.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 426.71 352.10 Td (all ) Tj ET Q q 0 0 0 rg BT 439.53 352.10 Td (of ) Tj ET Q q 0 0 0 rg BT 450.70 352.10 Td (our ) Tj ET Q q 0 0 0 rg BT 466.86 352.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 495.32 352.10 Td (These ) Tj ET Q q 0 0 0 rg BT 522.03 352.10 Td (covenants ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (are ) Tj ET Q q 0 0 0 rg BT 63.66 340.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 93.44 340.10 Td (to ) Tj ET Q q 0 0 0 rg BT 102.67 340.10 Td (a ) Tj ET Q q 0 0 0 rg BT 108.56 340.10 Td (number ) Tj ET Q q 0 0 0 rg BT 140.55 340.10 Td (of ) Tj ET Q q 0 0 0 rg BT 150.34 340.10 Td (important ) Tj ET Q q 0 0 0 rg BT 190.67 340.10 Td (exceptions ) Tj ET Q q 0 0 0 rg BT 234.88 340.10 Td (and ) Tj ET Q q 0 0 0 rg BT 250.77 340.10 Td (qualifications. ) Tj ET Q q 0 0 0 rg BT 309.16 340.10 Td (Specifically) Tj ET Q q 0 0 0 rg BT 356.26 340.10 Td (, ) Tj ET Q q 0 0 0 rg BT 360.22 340.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 404.45 340.10 Td (on ) Tj ET Q q 0 0 0 rg BT 415.90 340.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 454.55 340.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 494.33 340.10 Td (are ) Tj ET Q q 0 0 0 rg BT 507.99 340.10 Td (only ) Tj ET Q q 0 0 0 rg BT 527.22 340.10 Td (ef) Tj ET Q q 0 0 0 rg BT 534.81 340.10 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (if ) Tj ET Q q 0 0 0 rg BT 58.25 328.10 Td (one ) Tj ET Q q 0 0 0 rg BT 74.83 328.10 Td (or ) Tj ET Q q 0 0 0 rg BT 85.30 328.10 Td (more ) Tj ET Q q 0 0 0 rg BT 107.98 328.10 Td (of ) Tj ET Q q 0 0 0 rg BT 118.45 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 132.81 328.10 Td (following ) Tj ET Q q 0 0 0 rg BT 173.84 328.10 Td (occurred: ) Tj ET Q q 0 0 0 rg BT 213.73 328.10 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 227.53 328.10 Td (a ) Tj ET Q q 0 0 0 rg BT 234.11 328.10 Td (default ) Tj ET Q q 0 0 0 rg BT 264.02 328.10 Td (were ) Tj ET Q q 0 0 0 rg BT 285.58 328.10 Td (to ) Tj ET Q q 0 0 0 rg BT 295.50 328.10 Td (exist ) Tj ET Q q 0 0 0 rg BT 316.53 328.10 Td (under ) Tj ET Q q 0 0 0 rg BT 341.44 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 355.79 328.10 Td (Indenture, ) Tj ET Q q 0 0 0 rg BT 398.75 328.10 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 412.55 328.10 Td (we ) Tj ET Q q 0 0 0 rg BT 426.35 328.10 Td (could ) Tj ET Q q 0 0 0 rg BT 450.71 328.10 Td (not ) Tj ET Q q 0 0 0 rg BT 465.63 328.10 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 493.88 328.10 Td (a ) Tj ET Q q 0 0 0 rg BT 500.45 328.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 519.81 328.10 Td (incurrence ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (test, ) Tj ET Q q 0 0 0 rg BT 70.02 316.10 Td (and ) Tj ET Q q 0 0 0 rg BT 88.10 316.10 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 103.40 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 119.25 316.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 161.75 316.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 195.39 316.10 Td (of ) Tj ET Q q 0 0 0 rg BT 207.35 316.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 248.19 316.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 290.16 316.10 Td (were ) Tj ET Q q 0 0 0 rg BT 313.22 316.10 Td (to ) Tj ET Q q 0 0 0 rg BT 324.64 316.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 356.03 316.10 Td (an ) Tj ET Q q 0 0 0 rg BT 369.11 316.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 402.74 316.10 Td (tied ) Tj ET Q q 0 0 0 rg BT 421.37 316.10 Td (to ) Tj ET Q q 0 0 0 rg BT 432.79 316.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 486.97 316.10 Td (net ) Tj ET Q q 0 0 0 rg BT 502.82 316.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 538.13 316.10 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (limitations, ) Tj ET Q q 0 0 0 rg BT 97.39 304.10 Td (however) Tj ET Q q 0 0 0 rg BT 131.42 304.10 Td (, ) Tj ET Q q 0 0 0 rg BT 136.03 304.10 Td (are ) Tj ET Q q 0 0 0 rg BT 150.35 304.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 180.79 304.10 Td (to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.57 304.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.68 304.10 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.68 304.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.80 304.10 Td (exceptions: ) Tj ET Q q 0 0 0 rg BT 255.45 304.10 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 269.23 304.10 Td (an ) Tj ET Q q 0 0 0 rg BT 280.78 304.10 Td (exception ) Tj ET Q q 0 0 0 rg BT 321.76 304.10 Td (that ) Tj ET Q q 0 0 0 rg BT 338.87 304.10 Td (permits ) Tj ET Q q 0 0 0 rg BT 370.98 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.31 304.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 421.86 304.10 Td (of ) Tj ET Q q 0 0 0 rg BT 432.30 304.10 Td (up ) Tj ET Q q 0 0 0 rg BT 444.41 304.10 Td (to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.19 304.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.30 304.10 Td ($375.0 ) Tj ET Q q 0 0 0 rg BT 483.92 304.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.81 304.10 Td ( ) Tj ET Q q 0 0 0 rg BT 514.92 304.10 Td (in ) Tj ET Q q 0 0 0 rg BT 524.81 304.10 Td (restricted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (payments, ) Tj ET Q q 0 0 0 rg BT 93.75 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 111.10 292.10 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 125.68 292.10 Td (an ) Tj ET Q q 0 0 0 rg BT 138.04 292.10 Td (exception ) Tj ET Q q 0 0 0 rg BT 179.83 292.10 Td (that ) Tj ET Q q 0 0 0 rg BT 197.75 292.10 Td (permits ) Tj ET Q q 0 0 0 rg BT 230.66 292.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 270.79 292.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 312.03 292.10 Td (regardless ) Tj ET Q q 0 0 0 rg BT 355.49 292.10 Td (of ) Tj ET Q q 0 0 0 rg BT 366.74 292.10 Td (dollar ) Tj ET Q q 0 0 0 rg BT 392.98 292.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 425.90 292.10 Td (so ) Tj ET Q q 0 0 0 rg BT 437.71 292.10 Td (long ) Tj ET Q q 0 0 0 rg BT 458.41 292.10 Td (as, ) Tj ET Q q 0 0 0 rg BT 472.16 292.10 Td (after ) Tj ET Q q 0 0 0 rg BT 493.39 292.10 Td (giving ) Tj ET Q q 0 0 0 rg BT 521.87 292.10 Td (pro ) Tj ET Q q 0 0 0 rg BT 538.12 292.10 Td (forma ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 280.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 75.00 280.10 Td (to ) Tj ET Q q 0 0 0 rg BT 85.21 280.10 Td (the ) Tj ET Q q 0 0 0 rg BT 99.85 280.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 141.17 280.10 Td (and ) Tj ET Q q 0 0 0 rg BT 158.03 280.10 Td (other ) Tj ET Q q 0 0 0 rg BT 181.01 280.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 220.64 280.10 Td (payments, ) Tj ET Q q 0 0 0 rg BT 263.89 280.10 Td (we ) Tj ET Q q 0 0 0 rg BT 277.98 280.10 Td (would ) Tj ET Q q 0 0 0 rg BT 305.41 280.10 Td (have ) Tj ET Q q 0 0 0 rg BT 326.72 280.10 Td (had ) Tj ET Q q 0 0 0 rg BT 343.58 280.10 Td (a ) Tj ET Q q 0 0 0 rg BT 350.45 280.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 386.74 280.10 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 409.99 280.10 Td (as ) Tj ET Q q 0 0 0 rg BT 420.75 280.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 453.16 280.10 Td (under ) Tj ET Q q 0 0 0 rg BT 478.36 280.10 Td (the ) Tj ET Q q 0 0 0 rg BT 493.01 280.10 Td (Indenture, ) Tj ET Q q 0 0 0 rg BT 536.25 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 547.01 280.10 Td (less ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (than ) Tj ET Q q 0 0 0 rg BT 69.97 268.10 Td (or ) Tj ET Q q 0 0 0 rg BT 81.05 268.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 105.46 268.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.99 268.10 Td (2.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.49 268.10 Td ( ) Tj ET Q q 0 0 0 rg BT 136.25 268.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.78 268.10 Td (1.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.28 268.10 Td (. ) Tj ET Q q 0 0 0 rg BT 164.53 268.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.67 268.10 Td (As ) Tj ET Q q 0 0 0 rg BT 180.54 268.10 Td (a ) Tj ET Q q 0 0 0 rg BT 187.73 268.10 Td (result ) Tj ET Q q 0 0 0 rg BT 212.70 268.10 Td (of ) Tj ET Q q 0 0 0 rg BT 223.78 268.10 Td (these ) Tj ET Q q 0 0 0 rg BT 247.08 268.10 Td (exceptions, ) Tj ET Q q 0 0 0 rg BT 295.10 268.10 Td (as ) Tj ET Q q 0 0 0 rg BT 306.18 268.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.27 268.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 366.12 268.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.12 268.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.37 268.10 Td ($176.7 ) Tj ET Q q 0 0 0 rg BT 421.62 268.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.52 268.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.27 268.10 Td (would ) Tj ET Q q 0 0 0 rg BT 481.02 268.10 Td (have ) Tj ET Q q 0 0 0 rg BT 502.65 268.10 Td (been ) Tj ET Q q 0 0 0 rg BT 524.28 268.10 Td (free ) Tj ET Q q 0 0 0 rg BT 542.57 268.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 63.89 256.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 111.67 256.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 157.77 256.10 Td (related ) Tj ET Q q 0 0 0 rg BT 186.64 256.10 Td (to ) Tj ET Q q 0 0 0 rg BT 196.09 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 209.97 256.10 Td (Senior ) Tj ET Q q 0 0 0 rg BT 237.75 256.10 Td (Notes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.25 256.10 Td ( ) Tj ET Q q 0 0 0 rg BT 266.92 256.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.59 256.10 Td (However) Tj ET Q q 0 0 0 rg BT 304.84 256.10 Td (, ) Tj ET Q q 0 0 0 rg BT 309.01 256.10 Td (as ) Tj ET Q q 0 0 0 rg BT 319.01 256.10 Td (a ) Tj ET Q q 0 0 0 rg BT 325.11 256.10 Td (result ) Tj ET Q q 0 0 0 rg BT 349.00 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 359.00 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.88 256.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 412.88 256.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 437.31 256.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 467.30 256.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 515.08 256.10 Td (restrictions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (which ) Tj ET Q q 0 0 0 rg BT 76.83 244.10 Td (are ) Tj ET Q q 0 0 0 rg BT 91.44 244.10 Td (further ) Tj ET Q q 0 0 0 rg BT 121.04 244.10 Td (described ) Tj ET Q q 0 0 0 rg BT 161.75 244.10 Td (below) Tj ET Q q 0 0 0 rg BT 185.54 244.10 Td (, ) Tj ET Q q 0 0 0 rg BT 190.44 244.10 Td (we ) Tj ET Q q 0 0 0 rg BT 204.50 244.10 Td (were ) Tj ET Q q 0 0 0 rg BT 226.32 244.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 265.92 244.10 Td (from ) Tj ET Q q 0 0 0 rg BT 287.75 244.10 Td (making ) Tj ET Q q 0 0 0 rg BT 320.15 244.10 Td (a ) Tj ET Q q 0 0 0 rg BT 326.98 244.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 375.49 244.10 Td (as ) Tj ET Q q 0 0 0 rg BT 386.22 244.10 Td (of ) Tj ET Q q 0 0 0 rg BT 396.94 244.10 Td (January ) Tj ET Q q 0 0 0 rg BT 430.44 244.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 445.34 244.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 470.23 244.10 Td ( ) Tj ET Q q 0 0 0 rg BT 472.63 244.10 Td (During ) Tj ET Q q 0 0 0 rg BT 503.36 244.10 Td (any ) Tj ET Q q 0 0 0 rg BT 520.19 244.10 Td (time ) Tj ET Q q 0 0 0 rg BT 540.36 244.10 Td (when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.92 232.10 Td (Senior ) Tj ET Q q 0 0 0 rg BT 93.73 232.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 119.76 232.10 Td (are ) Tj ET Q q 0 0 0 rg BT 134.66 232.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 157.35 232.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 203.93 232.10 Td (grade ) Tj ET Q q 0 0 0 rg BT 228.84 232.10 Td (by ) Tj ET Q q 0 0 0 rg BT 241.54 232.10 Td (either ) Tj ET Q q 0 0 0 rg BT 267.00 232.10 Td (of ) Tj ET Q q 0 0 0 rg BT 278.03 232.10 Td (Moody's ) Tj ET Q q 0 0 0 rg BT 315.32 232.10 Td (Investors ) Tj ET Q q 0 0 0 rg BT 354.68 232.10 Td (Service, ) Tj ET Q q 0 0 0 rg BT 389.86 232.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 407.83 232.10 Td (or ) Tj ET Q q 0 0 0 rg BT 418.86 232.10 Td (Standard ) Tj ET Q q 0 0 0 rg BT 457.11 232.10 Td (& ) Tj ET Q q 0 0 0 rg BT 467.59 232.10 Td (Poor's ) Tj ET Q q 0 0 0 rg BT 494.87 232.10 Td (Ratings ) Tj ET Q q 0 0 0 rg BT 528.13 232.10 Td (Services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.31 220.10 Td (no ) Tj ET Q q 0 0 0 rg BT 80.17 220.10 Td (default ) Tj ET Q q 0 0 0 rg BT 110.81 220.10 Td (\(as ) Tj ET Q q 0 0 0 rg BT 125.33 220.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 158.19 220.10 Td (in ) Tj ET Q q 0 0 0 rg BT 168.83 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 183.92 220.10 Td (Indenture\) ) Tj ET Q q 0 0 0 rg BT 228.43 220.10 Td (has ) Tj ET Q q 0 0 0 rg BT 244.63 220.10 Td (occurred ) Tj ET Q q 0 0 0 rg BT 282.47 220.10 Td (and ) Tj ET Q q 0 0 0 rg BT 299.78 220.10 Td (is ) Tj ET Q q 0 0 0 rg BT 309.31 220.10 Td (continuing, ) Tj ET Q q 0 0 0 rg BT 357.46 220.10 Td (many ) Tj ET Q q 0 0 0 rg BT 382.54 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 393.74 220.10 Td (such ) Tj ET Q q 0 0 0 rg BT 414.94 220.10 Td (covenants ) Tj ET Q q 0 0 0 rg BT 457.79 220.10 Td (will ) Tj ET Q q 0 0 0 rg BT 476.21 220.10 Td (be ) Tj ET Q q 0 0 0 rg BT 488.52 220.10 Td (suspended ) Tj ET Q q 0 0 0 rg BT 533.05 220.10 Td (and ) Tj ET Q q 0 0 0 rg BT 550.35 220.10 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (will ) Tj ET Q q 0 0 0 rg BT 68.06 208.10 Td (cease ) Tj ET Q q 0 0 0 rg BT 92.20 208.10 Td (to ) Tj ET Q q 0 0 0 rg BT 102.48 208.10 Td (be ) Tj ET Q q 0 0 0 rg BT 114.42 208.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 145.24 208.10 Td (to ) Tj ET Q q 0 0 0 rg BT 155.52 208.10 Td (such ) Tj ET Q q 0 0 0 rg BT 176.35 208.10 Td (covenants ) Tj ET Q q 0 0 0 rg BT 218.84 208.10 Td (during ) Tj ET Q q 0 0 0 rg BT 247.45 208.10 Td (such ) Tj ET Q q 0 0 0 rg BT 268.28 208.10 Td (period.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (Events ) Tj ET Q q 0 0 0 rg BT 79.51 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 90.13 190.10 Td (default ) Tj ET Q q 0 0 0 rg BT 120.18 190.10 Td (under ) Tj ET Q q 0 0 0 rg BT 145.24 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 159.75 190.10 Td (Indenture ) Tj ET Q q 0 0 0 rg BT 200.35 190.10 Td (include ) Tj ET Q q 0 0 0 rg BT 232.08 190.10 Td (customary ) Tj ET Q q 0 0 0 rg BT 276.02 190.10 Td (events, ) Tj ET Q q 0 0 0 rg BT 306.36 190.10 Td (such ) Tj ET Q q 0 0 0 rg BT 326.98 190.10 Td (as ) Tj ET Q q 0 0 0 rg BT 337.60 190.10 Td (a ) Tj ET Q q 0 0 0 rg BT 344.33 190.10 Td (cross-acceleration ) Tj ET Q q 0 0 0 rg BT 418.79 190.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 458.86 190.10 Td (in ) Tj ET Q q 0 0 0 rg BT 468.93 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 483.44 190.10 Td (event ) Tj ET Q q 0 0 0 rg BT 507.38 190.10 Td (that ) Tj ET Q q 0 0 0 rg BT 524.67 190.10 Td (we ) Tj ET Q q 0 0 0 rg BT 538.62 190.10 Td (fail ) Tj ET Q q 0 0 0 rg BT 554.23 190.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (make ) Tj ET Q q 0 0 0 rg BT 74.31 178.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 111.39 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 122.38 178.10 Td (other ) Tj ET Q q 0 0 0 rg BT 145.58 178.10 Td (indebtedness ) Tj ET Q q 0 0 0 rg BT 199.89 178.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 221.98 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 232.41 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 247.28 178.10 Td (expiration ) Tj ET Q q 0 0 0 rg BT 290.47 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 301.46 178.10 Td (any ) Tj ET Q q 0 0 0 rg BT 318.55 178.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 362.29 178.10 Td (grace ) Tj ET Q q 0 0 0 rg BT 386.59 178.10 Td (period ) Tj ET Q q 0 0 0 rg BT 414.79 178.10 Td (or ) Tj ET Q q 0 0 0 rg BT 425.77 178.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 448.42 178.10 Td (acceleration ) Tj ET Q q 0 0 0 rg BT 499.37 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 510.35 178.10 Td (indebtedness ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 71.98 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 82.30 166.10 Td (its ) Tj ET Q q 0 0 0 rg BT 94.29 166.10 Td (stated ) Tj ET Q q 0 0 0 rg BT 120.16 166.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 156.59 166.10 Td (date ) Tj ET Q q 0 0 0 rg BT 175.79 166.10 Td (in ) Tj ET Q q 0 0 0 rg BT 186.11 166.10 Td (an ) Tj ET Q q 0 0 0 rg BT 198.09 166.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 230.63 166.10 Td (exceeding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.70 166.10 Td ($25.0 ) Tj ET Q q 0 0 0 rg BT 298.74 166.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.64 166.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.68 166.10 Td (as ) Tj ET Q q 0 0 0 rg BT 343.55 166.10 Td (well ) Tj ET Q q 0 0 0 rg BT 363.31 166.10 Td (as ) Tj ET Q q 0 0 0 rg BT 374.18 166.10 Td (in ) Tj ET Q q 0 0 0 rg BT 384.51 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 399.27 166.10 Td (event ) Tj ET Q q 0 0 0 rg BT 423.46 166.10 Td (a ) Tj ET Q q 0 0 0 rg BT 430.45 166.10 Td (judgment ) Tj ET Q q 0 0 0 rg BT 470.76 166.10 Td (is ) Tj ET Q q 0 0 0 rg BT 479.97 166.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 511.94 166.10 Td (against ) Tj ET Q q 0 0 0 rg BT 542.81 166.10 Td (us ) Tj ET Q q 0 0 0 rg BT 554.24 166.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 78.60 154.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.43 154.10 Td ($25.0 ) Tj ET Q q 0 0 0 rg BT 114.43 154.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.32 154.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.82 154.10 Td (that ) Tj ET Q q 0 0 0 rg BT 163.32 154.10 Td (is ) Tj ET Q q 0 0 0 rg BT 172.49 154.10 Td (not ) Tj ET Q q 0 0 0 rg BT 187.76 154.10 Td (dischar) Tj ET Q q 0 0 0 rg BT 216.46 154.10 Td (ged, ) Tj ET Q q 0 0 0 rg BT 235.90 154.10 Td (bonded ) Tj ET Q q 0 0 0 rg BT 267.84 154.10 Td (or ) Tj ET Q q 0 0 0 rg BT 278.67 154.10 Td (insured.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.61 154.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (As ) Tj ET Q q 0 0 0 rg BT 62.99 136.10 Td (of ) Tj ET Q q 0 0 0 rg BT 73.20 136.10 Td (January ) Tj ET Q q 0 0 0 rg BT 106.17 136.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 120.55 136.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 144.92 136.10 Td (we ) Tj ET Q q 0 0 0 rg BT 158.46 136.10 Td (were ) Tj ET Q q 0 0 0 rg BT 179.77 136.10 Td (not ) Tj ET Q q 0 0 0 rg BT 194.42 136.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 233.50 136.10 Td (from ) Tj ET Q q 0 0 0 rg BT 254.81 136.10 Td (making ) Tj ET Q q 0 0 0 rg BT 286.69 136.10 Td (up ) Tj ET Q q 0 0 0 rg BT 298.56 136.10 Td (to ) Tj ET Q q 0 0 0 rg BT 308.22 136.10 Td ($41.9 ) Tj ET Q q 0 0 0 rg BT 332.59 136.10 Td (million ) Tj ET Q q 0 0 0 rg BT 363.36 136.10 Td (in ) Tj ET Q q 0 0 0 rg BT 373.02 136.10 Td (distributions ) Tj ET Q q 0 0 0 rg BT 424.90 136.10 Td (related ) Tj ET Q q 0 0 0 rg BT 453.98 136.10 Td (to ) Tj ET Q q 0 0 0 rg BT 463.63 136.10 Td (repayments ) Tj ET Q q 0 0 0 rg BT 511.60 136.10 Td (of ) Tj ET Q q 0 0 0 rg BT 521.81 136.10 Td (the ) Tj ET Q q 0 0 0 rg BT 535.90 136.10 Td (Senior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 75.83 124.10 Td (as ) Tj ET Q q 0 0 0 rg BT 86.66 124.10 Td (a ) Tj ET Q q 0 0 0 rg BT 93.60 124.10 Td (result ) Tj ET Q q 0 0 0 rg BT 118.32 124.10 Td (of ) Tj ET Q q 0 0 0 rg BT 129.15 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 143.86 124.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 184.69 124.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 209.95 124.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 240.77 124.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 289.38 124.10 Td (restrictions, ) Tj ET Q q 0 0 0 rg BT 338.82 124.10 Td (which ) Tj ET Q q 0 0 0 rg BT 365.76 124.10 Td (are ) Tj ET Q q 0 0 0 rg BT 380.46 124.10 Td (further ) Tj ET Q q 0 0 0 rg BT 410.17 124.10 Td (described ) Tj ET Q q 0 0 0 rg BT 450.99 124.10 Td (below) Tj ET Q q 0 0 0 rg BT 474.78 124.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (Asset-backed ) Tj ET Q q 0 0 0 rg BT 106.46 106.10 Td (Notes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.87 106.10 Td (During ) Tj ET Q q 0 0 0 rg BT 165.79 106.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 190.02 106.10 Td (years ) Tj ET Q q 0 0 0 rg BT 213.71 106.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 238.79 106.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 261.37 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 278.39 106.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 303.48 106.10 Td (we ) Tj ET Q q 0 0 0 rg BT 317.72 106.10 Td (securitized ) Tj ET Q q 0 0 0 rg BT 363.61 106.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 402.85 106.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 440.42 106.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 487.97 106.10 Td (by ) Tj ET Q q 0 0 0 rg BT 500.56 106.10 Td (transferring ) Tj ET Q q 0 0 0 rg BT 549.79 106.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 97.41 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 107.62 94.10 Td (various ) Tj ET Q q 0 0 0 rg BT 139.50 94.10 Td (bankruptcy-remote ) Tj ET Q q 0 0 0 rg BT 217.84 94.10 Td (VIEs. ) Tj ET Q q 0 0 0 rg BT 243.32 94.10 Td ( ) Tj ET Q q 0 0 0 rg BT 245.76 94.10 Td (In ) Tj ET Q q 0 0 0 rg BT 256.53 94.10 Td (turn, ) Tj ET Q q 0 0 0 rg BT 277.57 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 292.05 94.10 Td (VIEs ) Tj ET Q q 0 0 0 rg BT 315.04 94.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 342.47 94.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 396.00 94.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 419.54 94.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 452.51 94.10 Td (by ) Tj ET Q q 0 0 0 rg BT 464.95 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 479.60 94.10 Td (transferred ) Tj ET Q q 0 0 0 rg BT 525.35 94.10 Td (customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 87.49 82.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 134.96 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 151.89 82.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 191.60 82.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 211.87 82.10 Td (held ) Tj ET Q q 0 0 0 rg BT 231.58 82.10 Td (by ) Tj ET Q q 0 0 0 rg BT 244.08 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.62 82.10 Td (VIEs. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 284.17 82.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 76.42 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 90.08 64.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 113.73 64.10 Td (of ) Tj ET Q q 0 0 0 rg BT 123.49 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 137.14 64.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 179.11 64.10 Td (securitization ) Tj ET Q q 0 0 0 rg BT 234.41 64.10 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 286.11 64.10 Td (all ) Tj ET Q q 0 0 0 rg BT 297.54 64.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 316.74 64.10 Td (collections ) Tj ET Q q 0 0 0 rg BT 361.50 64.10 Td (and ) Tj ET Q q 0 0 0 rg BT 377.37 64.10 Td (other ) Tj ET Q q 0 0 0 rg BT 399.35 64.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 418.56 64.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 455.53 64.10 Td (of ) Tj ET Q q 0 0 0 rg BT 465.29 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 478.94 64.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 517.03 64.10 Td (receivables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 52.10 Td (go ) Tj ET Q q 0 0 0 rg BT 63.35 52.10 Td (first ) Tj ET Q q 0 0 0 rg BT 82.81 52.10 Td (to ) Tj ET Q q 0 0 0 rg BT 93.94 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 109.51 52.10 Td (servicer ) Tj ET Q q 0 0 0 rg BT 144.50 52.10 Td (and ) Tj ET Q q 0 0 0 rg BT 162.29 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.86 52.10 Td (holders ) Tj ET Q q 0 0 0 rg BT 210.65 52.10 Td (of ) Tj ET Q q 0 0 0 rg BT 222.33 52.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 250.68 52.10 Td (notes, ) Tj ET Q q 0 0 0 rg BT 277.64 52.10 Td (and ) Tj ET Q q 0 0 0 rg BT 295.43 52.10 Td (then ) Tj ET Q q 0 0 0 rg BT 316.00 52.10 Td (to ) Tj ET Q q 0 0 0 rg BT 327.13 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 342.70 52.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 377.70 52.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 406.05 52.10 Td (holder) Tj ET Q q 0 0 0 rg BT 431.05 52.10 Td (. ) Tj ET Q q 0 0 0 rg BT 436.90 52.10 Td ( ) Tj ET Q q 0 0 0 rg BT 440.01 52.10 Td (W) Tj ET Q q 0 0 0 rg BT 448.64 52.10 Td (e ) Tj ET Q q 0 0 0 rg BT 456.43 52.10 Td (retain ) Tj ET Q q 0 0 0 rg BT 482.55 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 498.12 52.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 538.12 52.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 52.10 Td (the ) Tj ET Q endstream endobj 101 0 obj <>] /Rotate 0 /Contents 102 0 R>> endobj 102 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (49) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (securitized ) Tj ET Q q 0 0 0 rg BT 97.21 742.10 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 140.00 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 158.34 742.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 191.11 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 199.45 742.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 236.69 742.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 252.80 742.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.03 742.10 Td (4.75%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.86 742.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.76 742.10 Td (\(annualized\) ) Tj ET Q q 0 0 0 rg BT 348.64 742.10 Td (based ) Tj ET Q q 0 0 0 rg BT 375.31 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 389.21 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 405.33 742.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 455.90 742.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 490.33 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 502.57 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.69 742.10 Td (securitized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (receivables. ) Tj ET Q q 0 0 0 rg BT 100.32 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 103.16 730.10 Td (In ) Tj ET Q q 0 0 0 rg BT 114.34 730.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 152.46 730.10 Td (we, ) Tj ET Q q 0 0 0 rg BT 169.47 730.10 Td (rather ) Tj ET Q q 0 0 0 rg BT 195.63 730.10 Td (than ) Tj ET Q q 0 0 0 rg BT 215.69 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.55 730.10 Td (VIEs, ) Tj ET Q q 0 0 0 rg BT 256.45 730.10 Td (retain ) Tj ET Q q 0 0 0 rg BT 282.06 730.10 Td (all ) Tj ET Q q 0 0 0 rg BT 294.90 730.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 320.51 730.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 361.67 730.10 Td (income ) Tj ET Q q 0 0 0 rg BT 393.95 730.10 Td (together ) Tj ET Q q 0 0 0 rg BT 429.56 730.10 Td (with ) Tj ET Q q 0 0 0 rg BT 450.19 730.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 480.24 730.10 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 524.17 730.10 Td (related ) Tj ET Q q 0 0 0 rg BT 554.22 730.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 75.15 718.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 115.85 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 132.67 718.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 158.37 718.10 Td (service ) Tj ET Q q 0 0 0 rg BT 189.07 718.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 236.99 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 249.37 718.10 Td (char) Tj ET Q q 0 0 0 rg BT 266.40 718.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 287.31 718.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 296.92 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 307.64 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 322.24 718.10 Td (securitized ) Tj ET Q q 0 0 0 rg BT 367.93 718.10 Td (receivables, ) Tj ET Q q 0 0 0 rg BT 417.79 718.10 Td (which ) Tj ET Q q 0 0 0 rg BT 444.61 718.10 Td (are ) Tj ET Q q 0 0 0 rg BT 459.20 718.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 496.56 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 507.27 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 514.09 718.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 554.24 718.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (net ) Tj ET Q q 0 0 0 rg BT 64.72 706.10 Td (char) Tj ET Q q 0 0 0 rg BT 81.74 706.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 102.66 706.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 112.38 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 124.88 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 131.82 706.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 184.86 706.10 Td (basis.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.36 706.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.09 688.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 119.71 688.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 142.37 688.10 Td (were ) Tj ET Q q 0 0 0 rg BT 163.34 688.10 Td (of) Tj ET Q q 0 0 0 rg BT 171.49 688.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 193.56 688.10 Td (and ) Tj ET Q q 0 0 0 rg BT 209.54 688.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 227.76 688.10 Td (to ) Tj ET Q q 0 0 0 rg BT 237.08 688.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 274.16 688.10 Td (institutional ) Tj ET Q q 0 0 0 rg BT 323.48 688.10 Td (buyers ) Tj ET Q q 0 0 0 rg BT 351.68 688.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 387.66 688.10 Td (to ) Tj ET Q q 0 0 0 rg BT 396.98 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 410.74 688.10 Td (exemptions ) Tj ET Q q 0 0 0 rg BT 458.39 688.10 Td (from ) Tj ET Q q 0 0 0 rg BT 479.37 688.10 Td (registration ) Tj ET Q q 0 0 0 rg BT 526.45 688.10 Td (provided ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.38 676.10 Td (Rule ) Tj ET Q q 0 0 0 rg BT 83.65 676.10 Td (144A) Tj ET Q q 0 0 0 rg BT 105.32 676.10 Td ( ) Tj ET Q q 0 0 0 rg BT 107.71 676.10 Td (under ) Tj ET Q q 0 0 0 rg BT 132.86 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.46 676.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 188.75 676.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 208.07 676.10 Td (If ) Tj ET Q q 0 0 0 rg BT 217.11 676.10 Td (an ) Tj ET Q q 0 0 0 rg BT 228.93 676.10 Td (event ) Tj ET Q q 0 0 0 rg BT 252.97 676.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.68 676.10 Td (default ) Tj ET Q q 0 0 0 rg BT 293.83 676.10 Td (were ) Tj ET Q q 0 0 0 rg BT 315.64 676.10 Td (to ) Tj ET Q q 0 0 0 rg BT 325.80 676.10 Td (occur ) Tj ET Q q 0 0 0 rg BT 350.39 676.10 Td (under ) Tj ET Q q 0 0 0 rg BT 375.54 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 390.14 676.10 Td (indenture ) Tj ET Q q 0 0 0 rg BT 430.29 676.10 Td (that ) Tj ET Q q 0 0 0 rg BT 447.67 676.10 Td (governs ) Tj ET Q q 0 0 0 rg BT 481.71 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 496.31 676.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 539.23 676.10 Td (asset-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (backed ) Tj ET Q q 0 0 0 rg BT 81.12 664.10 Td (notes, ) Tj ET Q q 0 0 0 rg BT 107.53 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 122.56 664.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 159.79 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 170.93 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.95 664.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 235.42 664.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 272.11 664.10 Td (may ) Tj ET Q q 0 0 0 rg BT 292.14 664.10 Td (be ) Tj ET Q q 0 0 0 rg BT 304.38 664.10 Td (accelerated, ) Tj ET Q q 0 0 0 rg BT 354.64 664.10 Td (in ) Tj ET Q q 0 0 0 rg BT 365.22 664.10 Td (which ) Tj ET Q q 0 0 0 rg BT 392.47 664.10 Td (event ) Tj ET Q q 0 0 0 rg BT 416.93 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 431.95 664.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 452.52 664.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 490.87 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 502.00 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 517.02 664.10 Td (receivables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.71 652.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 109.31 652.10 Td (might ) Tj ET Q q 0 0 0 rg BT 135.36 652.10 Td (be ) Tj ET Q q 0 0 0 rg BT 147.51 652.10 Td (released ) Tj ET Q q 0 0 0 rg BT 182.99 652.10 Td (to ) Tj ET Q q 0 0 0 rg BT 193.48 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 208.42 652.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 242.79 652.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 270.50 652.10 Td (holder ) Tj ET Q q 0 0 0 rg BT 298.76 652.10 Td (would ) Tj ET Q q 0 0 0 rg BT 326.48 652.10 Td (instead ) Tj ET Q q 0 0 0 rg BT 357.52 652.10 Td (be ) Tj ET Q q 0 0 0 rg BT 369.68 652.10 Td (directed ) Tj ET Q q 0 0 0 rg BT 404.60 652.10 Td (entirely ) Tj ET Q q 0 0 0 rg BT 437.86 652.10 Td (toward ) Tj ET Q q 0 0 0 rg BT 468.34 652.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 513.26 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.31 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 539.25 652.10 Td (asset-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (backed ) Tj ET Q q 0 0 0 rg BT 80.19 640.10 Td (notes, ) Tj ET Q q 0 0 0 rg BT 105.66 640.10 Td (or ) Tj ET Q q 0 0 0 rg BT 115.86 640.10 Td (if ) Tj ET Q q 0 0 0 rg BT 123.84 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 137.93 640.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 184.77 640.10 Td (are ) Tj ET Q q 0 0 0 rg BT 198.85 640.10 Td (liquidated, ) Tj ET Q q 0 0 0 rg BT 243.21 640.10 Td (all ) Tj ET Q q 0 0 0 rg BT 255.07 640.10 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 300.27 640.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 337.68 640.10 Td (could ) Tj ET Q q 0 0 0 rg BT 361.77 640.10 Td (be ) Tj ET Q q 0 0 0 rg BT 373.08 640.10 Td (directed ) Tj ET Q q 0 0 0 rg BT 407.15 640.10 Td (solely ) Tj ET Q q 0 0 0 rg BT 432.91 640.10 Td (to ) Tj ET Q q 0 0 0 rg BT 442.55 640.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 486.63 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 496.83 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 510.91 640.10 Td (asset-backed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 73.96 628.10 Td (as ) Tj ET Q q 0 0 0 rg BT 85.15 628.10 Td (governed ) Tj ET Q q 0 0 0 rg BT 125.21 628.10 Td (by ) Tj ET Q q 0 0 0 rg BT 138.07 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 153.14 628.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 196.53 628.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 221.60 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 232.79 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 247.86 628.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 301.80 628.10 Td (notes. ) Tj ET Q q 0 0 0 rg BT 328.05 628.10 Td (The ) Tj ET Q q 0 0 0 rg BT 346.46 628.10 Td (holders ) Tj ET Q q 0 0 0 rg BT 378.75 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 389.94 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 405.01 628.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 458.95 628.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 482.91 628.10 Td (have ) Tj ET Q q 0 0 0 rg BT 504.64 628.10 Td (no ) Tj ET Q q 0 0 0 rg BT 517.50 628.10 Td (recourse ) Tj ET Q q 0 0 0 rg BT 554.22 628.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 75.44 616.10 Td (outside ) Tj ET Q q 0 0 0 rg BT 106.43 616.10 Td (of ) Tj ET Q q 0 0 0 rg BT 116.87 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 131.04 616.10 Td (VIEs. ) Tj ET Q q 0 0 0 rg BT 156.20 616.10 Td (Events ) Tj ET Q q 0 0 0 rg BT 185.52 616.10 Td (of ) Tj ET Q q 0 0 0 rg BT 195.96 616.10 Td (default ) Tj ET Q q 0 0 0 rg BT 225.83 616.10 Td (include, ) Tj ET Q q 0 0 0 rg BT 259.87 616.10 Td (but ) Tj ET Q q 0 0 0 rg BT 274.75 616.10 Td (are ) Tj ET Q q 0 0 0 rg BT 289.07 616.10 Td (not ) Tj ET Q q 0 0 0 rg BT 303.95 616.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 334.39 616.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 346.78 616.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 374.98 616.10 Td (to ) Tj ET Q q 0 0 0 rg BT 384.86 616.10 Td (make ) Tj ET Q q 0 0 0 rg BT 408.62 616.10 Td (required ) Tj ET Q q 0 0 0 rg BT 444.05 616.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 484.48 616.10 Td (on ) Tj ET Q q 0 0 0 rg BT 496.59 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 510.91 616.10 Td (asset-backed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 73.61 604.10 Td (or ) Tj ET Q q 0 0 0 rg BT 84.44 604.10 Td (specified ) Tj ET Q q 0 0 0 rg BT 123.03 604.10 Td (bankruptcy-related ) Tj ET Q q 0 0 0 rg BT 201.05 604.10 Td (events.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.10 604.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 586.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 121.63 586.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 145.24 586.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 194.40 586.10 Td (as ) Tj ET Q q 0 0 0 rg BT 205.23 586.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.06 586.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 264.66 586.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.66 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 287.16 586.10 Td (consisted ) Tj ET Q q 0 0 0 rg BT 326.88 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 337.71 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 352.43 586.10 Td (following:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 534.60 149.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 199.50 534.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 534.60 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 534.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 534.60 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 534.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 534.60 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 534.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 534.60 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 534.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 534.60 62.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 534.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 534.60 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 504.60 149.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 199.50 504.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 504.60 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 504.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 504.60 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 504.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 504.60 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 504.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 504.60 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 504.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 504.60 62.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 504.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 504.60 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 474.60 149.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 199.50 474.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 474.60 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 474.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 474.60 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 474.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 474.60 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 474.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 474.60 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 474.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 474.60 62.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 474.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 474.60 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 444.60 149.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 199.50 444.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 444.60 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 444.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 444.60 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 444.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 444.60 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 444.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 444.60 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 444.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 444.60 62.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 444.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 444.60 52.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 534.6 m 199.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 534.6 m 260.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 534.6 m 322.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 534.6 m 378.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 534.6 m 438.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 534.6 m 504.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 534.6 m 560.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 429.6 m 260.5 429.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 429.6 m 322.5 429.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 415.6 m 260.5 415.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 413.6 m 260.5 413.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 415.6 m 322.5 415.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 413.6 m 322.5 413.6 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 82.40 539.28 Td (Asset-Backed Notes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 213.40 559.28 Td (Original ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 211.75 549.28 Td (Principal ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 213.95 539.28 Td (Amount ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 274.90 559.28 Td (Original ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 285.50 549.28 Td (Net ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 270.10 539.28 Td (Pr) Tj ET Q q 0 0 0 rg BT 280.47 539.28 Td (oceeds) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 308.23 543.81 Td (\(1\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 333.65 549.28 Td (Issuance ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 342.00 539.28 Td (Date) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.55 549.28 Td (Maturity ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 400.00 539.28 Td (Date) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 549.28 Td (Contractual ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 445.15 539.28 Td (Inter) Tj ET Q q 0 0 0 rg BT 466.63 539.28 Td (est Rate) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 515.10 559.28 Td (Effective ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 517.40 549.28 Td (Inter) Tj ET Q q 0 0 0 rg BT 538.88 549.28 Td (est ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 520.20 539.28 Td (Rate) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 540.19 543.81 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 524.27 Td (2016-B Class B Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.15 524.27 Td (1) Tj ET Q q 0 0 0 rg BT 229.15 524.27 Td (1) Tj ET Q q 0 0 0 rg BT 234.15 524.27 Td (1,960) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.15 524.27 Td (108,586) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.70 524.27 Td (10/6/2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.70 524.27 Td (3/15/2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.05 524.27 Td (7.34%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.05 524.27 Td (8.10%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 509.27 Td (2017-A) Tj ET Q q 0 0 0 rg BT 83.28 509.27 Td ( Class ) Tj ET Q q 0 0 0 rg BT 109.39 509.27 Td (A) Tj ET Q q 0 0 0 rg BT 116.06 509.27 Td ( Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.15 509.27 Td (313,220) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.15 509.27 Td (304,451) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.70 509.27 Td (4/19/2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.70 509.27 Td (7/15/2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.05 509.27 Td (2.73%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.05 509.27 Td (5.13%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 494.27 Td (2017-A) Tj ET Q q 0 0 0 rg BT 83.28 494.27 Td ( Class B Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.15 494.27 Td (106,270) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.15 494.27 Td (103,300) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.70 494.27 Td (4/19/2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.70 494.27 Td (2/15/2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.05 494.27 Td (5.1) Tj ET Q q 0 0 0 rg BT 472.55 494.27 Td (1%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.05 494.27 Td (5.91%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 479.27 Td (2017-A) Tj ET Q q 0 0 0 rg BT 83.28 479.27 Td ( Class C Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.15 479.27 Td (50,340) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.15 479.27 Td (48,919) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.70 479.27 Td (4/19/2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.20 479.27 Td (10/15/2021) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.05 479.27 Td (7.40%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.05 479.27 Td (8.01%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 464.27 Td (2017-B Class ) Tj ET Q q 0 0 0 rg BT 109.39 464.27 Td (A) Tj ET Q q 0 0 0 rg BT 116.06 464.27 Td ( Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.15 464.27 Td (361,400) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.15 464.27 Td (358,945) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.20 464.27 Td (12/20/2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.70 464.27 Td (7/15/2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.05 464.27 Td (2.73%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.05 464.27 Td (4.32%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 449.27 Td (2017-B Class B Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.15 449.27 Td (132,180) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.15 449.27 Td (131,281) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.20 449.27 Td (12/20/2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.70 449.27 Td (4/15/2021) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.05 449.27 Td (4.52%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.05 449.27 Td (5.46%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 434.27 Td (2017-B Class C Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.15 434.27 Td (78,640) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.15 434.27 Td (77,843) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.20 434.27 Td (12/20/2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.40 434.27 Td (1) Tj ET Q q 0 0 0 rg BT 392.03 434.27 Td (1/15/2022) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.05 434.27 Td (5.95%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.05 434.27 Td (6.80%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 419.27 Td (T) Tj ET Q q 0 0 0 rg BT 58.41 419.27 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.00 419.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.60 419.27 Td (1,154,010) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.00 419.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.60 419.27 Td (1,133,325) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 397.10 Td (\(1\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.61 397.10 Td (After ) Tj ET Q q 0 0 0 rg BT 87.21 397.10 Td (giving ) Tj ET Q q 0 0 0 rg BT 115.26 397.10 Td (ef) Tj ET Q q 0 0 0 rg BT 122.85 397.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 140.34 397.10 Td (to ) Tj ET Q q 0 0 0 rg BT 150.62 397.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 170.33 397.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 206.71 397.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 229.21 397.10 Td (and ) Tj ET Q q 0 0 0 rg BT 246.15 397.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 285.85 397.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 306.12 397.10 Td (held ) Tj ET Q q 0 0 0 rg BT 325.83 397.10 Td (by ) Tj ET Q q 0 0 0 rg BT 338.33 397.10 Td (the ) Tj ET Q q 0 0 0 rg BT 352.87 397.10 Td (VIEs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.92 397.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 379.10 Td (\(2\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.16 379.10 Td (For ) Tj ET Q q 0 0 0 rg BT 80.55 379.10 Td (the ) Tj ET Q q 0 0 0 rg BT 95.27 379.10 Td (year ) Tj ET Q q 0 0 0 rg BT 114.98 379.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.35 379.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 189.95 379.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.95 379.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.95 379.10 Td (and ) Tj ET Q q 0 0 0 rg BT 231.89 379.10 Td (inclusive ) Tj ET Q q 0 0 0 rg BT 270.49 379.10 Td (of ) Tj ET Q q 0 0 0 rg BT 281.32 379.10 Td (the ) Tj ET Q q 0 0 0 rg BT 296.04 379.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 325.75 379.10 Td (of ) Tj ET Q q 0 0 0 rg BT 336.58 379.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 371.29 379.10 Td (in ) Tj ET Q q 0 0 0 rg BT 381.57 379.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 410.18 379.10 Td (of ) Tj ET Q q 0 0 0 rg BT 421.01 379.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 447.38 379.10 Td (and ) Tj ET Q q 0 0 0 rg BT 464.32 379.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 502.35 379.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 522.62 379.10 Td (flows. ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 349.10 Td (On ) Tj ET Q q 0 0 0 rg BT 65.02 349.10 Td (May ) Tj ET Q q 0 0 0 rg BT 86.16 349.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 101.46 349.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 126.76 349.10 Td (the ) Tj ET Q q 0 0 0 rg BT 141.78 349.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 183.47 349.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 227.92 349.10 Td (the ) Tj ET Q q 0 0 0 rg BT 242.94 349.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 291.29 349.10 Td (of ) Tj ET Q q 0 0 0 rg BT 302.42 349.10 Td (its ) Tj ET Q q 0 0 0 rg BT 314.67 349.10 Td (2015-A) Tj ET Q q 0 0 0 rg BT 344.67 349.10 Td ( ) Tj ET Q q 0 0 0 rg BT 347.48 349.10 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 392.48 349.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 418.61 349.10 Td (at ) Tj ET Q q 0 0 0 rg BT 428.63 349.10 Td (an ) Tj ET Q q 0 0 0 rg BT 440.87 349.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 482.54 349.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 530.88 349.10 Td (price ) Tj ET Q q 0 0 0 rg BT 553.67 349.10 Td (of) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 337.10 Td ($1) Tj ET Q q 0 0 0 rg BT 59.63 337.10 Td (14.1 ) Tj ET Q q 0 0 0 rg BT 80.01 337.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.91 337.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.79 337.10 Td (\(which ) Tj ET Q q 0 0 0 rg BT 142.45 337.10 Td (was ) Tj ET Q q 0 0 0 rg BT 160.88 337.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 185.42 337.10 Td (to ) Tj ET Q q 0 0 0 rg BT 196.09 337.10 Td (the ) Tj ET Q q 0 0 0 rg BT 211.19 337.10 Td (entire ) Tj ET Q q 0 0 0 rg BT 236.84 337.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 286.39 337.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 324.82 337.10 Td (of, ) Tj ET Q q 0 0 0 rg BT 338.54 337.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 358.09 337.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 392.06 337.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 424.38 337.10 Td (on, ) Tj ET Q q 0 0 0 rg BT 439.77 337.10 Td (the ) Tj ET Q q 0 0 0 rg BT 454.87 337.10 Td (2015-A) Tj ET Q q 0 0 0 rg BT 484.87 337.10 Td ( ) Tj ET Q q 0 0 0 rg BT 487.75 337.10 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 532.84 337.10 Td (Notes\). ) Tj ET Q q 0 0 0 rg BT 564.50 337.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 325.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.18 325.10 Td (net ) Tj ET Q q 0 0 0 rg BT 83.03 325.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 107.89 325.10 Td (used ) Tj ET Q q 0 0 0 rg BT 128.85 325.10 Td (to ) Tj ET Q q 0 0 0 rg BT 139.26 325.10 Td (call ) Tj ET Q q 0 0 0 rg BT 156.33 325.10 Td (the ) Tj ET Q q 0 0 0 rg BT 171.18 325.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 194.92 325.10 Td (was) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.47 325.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.10 325.10 Td ($78.8 ) Tj ET Q q 0 0 0 rg BT 238.24 325.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.13 325.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.26 325.10 Td (which ) Tj ET Q q 0 0 0 rg BT 299.33 325.10 Td (is ) Tj ET Q q 0 0 0 rg BT 308.64 325.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 332.93 325.10 Td (to ) Tj ET Q q 0 0 0 rg BT 343.34 325.10 Td (the ) Tj ET Q q 0 0 0 rg BT 358.19 325.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 406.36 325.10 Td (price ) Tj ET Q q 0 0 0 rg BT 428.98 325.10 Td (less ) Tj ET Q q 0 0 0 rg BT 446.61 325.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 497.02 325.10 Td (of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.35 325.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.98 325.10 Td ($35.3 ) Tj ET Q q 0 0 0 rg BT 533.12 325.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 313.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.20 313.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 88.96 313.10 Td (held ) Tj ET Q q 0 0 0 rg BT 108.72 313.10 Td (in ) Tj ET Q q 0 0 0 rg BT 119.04 313.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 150.45 313.10 Td (and ) Tj ET Q q 0 0 0 rg BT 167.43 313.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 209.40 313.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 246.93 313.10 Td (in ) Tj ET Q q 0 0 0 rg BT 257.25 313.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 304.75 313.10 Td (with ) Tj ET Q q 0 0 0 rg BT 325.07 313.10 Td (the ) Tj ET Q q 0 0 0 rg BT 339.83 313.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 364.59 313.10 Td (of ) Tj ET Q q 0 0 0 rg BT 375.46 313.10 Td (the ) Tj ET Q q 0 0 0 rg BT 390.22 313.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 433.85 313.10 Td (indenture ) Tj ET Q q 0 0 0 rg BT 474.15 313.10 Td (governing ) Tj ET Q q 0 0 0 rg BT 517.24 313.10 Td (the ) Tj ET Q q 0 0 0 rg BT 532.00 313.10 Td (2015-A) Tj ET Q q 0 0 0 rg BT 562.00 313.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 94.76 301.10 Td (Notes. ) Tj ET Q q 0 0 0 rg BT 123.15 301.10 Td ( ) Tj ET Q q 0 0 0 rg BT 125.53 301.10 Td (The ) Tj ET Q q 0 0 0 rg BT 143.64 301.10 Td (net ) Tj ET Q q 0 0 0 rg BT 158.42 301.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 183.20 301.10 Td (used ) Tj ET Q q 0 0 0 rg BT 204.09 301.10 Td (to ) Tj ET Q q 0 0 0 rg BT 214.43 301.10 Td (call ) Tj ET Q q 0 0 0 rg BT 231.42 301.10 Td (the ) Tj ET Q q 0 0 0 rg BT 246.20 301.10 Td (2015-A) Tj ET Q q 0 0 0 rg BT 276.20 301.10 Td ( ) Tj ET Q q 0 0 0 rg BT 278.76 301.10 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 323.53 301.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 349.42 301.10 Td (of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.75 301.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.31 301.10 Td ($78.8 ) Tj ET Q q 0 0 0 rg BT 385.37 301.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.26 301.10 Td ( ) Tj ET Q q 0 0 0 rg BT 416.82 301.10 Td (w) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.04 301.10 Td (as ) Tj ET Q q 0 0 0 rg BT 434.93 301.10 Td (transferred ) Tj ET Q q 0 0 0 rg BT 480.80 301.10 Td (from ) Tj ET Q q 0 0 0 rg BT 502.80 301.10 Td (the ) Tj ET Q q 0 0 0 rg BT 517.58 301.10 Td (Guarantors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 289.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.97 289.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.37 289.10 Td (Non-Guarantor ) Tj ET Q q 0 0 0 rg BT 137.65 289.10 Td (Subsidiary ) Tj ET Q q 0 0 0 rg BT 182.61 289.10 Td (in ) Tj ET Q q 0 0 0 rg BT 192.58 289.10 Td (exchange ) Tj ET Q q 0 0 0 rg BT 232.52 289.10 Td (for ) Tj ET Q q 0 0 0 rg BT 246.37 289.10 Td (the ) Tj ET Q q 0 0 0 rg BT 260.77 289.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 306.28 289.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 346.24 289.10 Td (held ) Tj ET Q q 0 0 0 rg BT 365.64 289.10 Td (as ) Tj ET Q q 0 0 0 rg BT 376.16 289.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 415.54 289.10 Td (on ) Tj ET Q q 0 0 0 rg BT 427.73 289.10 Td (the ) Tj ET Q q 0 0 0 rg BT 442.13 289.10 Td (2015-A) Tj ET Q q 0 0 0 rg BT 472.13 289.10 Td ( ) Tj ET Q q 0 0 0 rg BT 474.32 289.10 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 518.71 289.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 544.23 289.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 85.88 277.10 Td (value ) Tj ET Q q 0 0 0 rg BT 110.10 277.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.99 277.10 Td ($126.3 ) Tj ET Q q 0 0 0 rg BT 151.05 277.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.94 277.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.50 277.10 Td (as ) Tj ET Q q 0 0 0 rg BT 193.40 277.10 Td (of ) Tj ET Q q 0 0 0 rg BT 203.72 277.10 Td (April ) Tj ET Q q 0 0 0 rg BT 227.40 277.10 Td (30, ) Tj ET Q q 0 0 0 rg BT 242.46 277.10 Td (2017. ) Tj ET Q q 0 0 0 rg BT 267.52 277.10 Td ( ) Tj ET Q q 0 0 0 rg BT 270.08 277.10 Td (In ) Tj ET Q q 0 0 0 rg BT 280.98 277.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 327.41 277.10 Td (with ) Tj ET Q q 0 0 0 rg BT 347.75 277.10 Td (the ) Tj ET Q q 0 0 0 rg BT 362.53 277.10 Td (early ) Tj ET Q q 0 0 0 rg BT 385.08 277.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 433.18 277.10 Td (of ) Tj ET Q q 0 0 0 rg BT 444.07 277.10 Td (the ) Tj ET Q q 0 0 0 rg BT 458.85 277.10 Td (2015-A) Tj ET Q q 0 0 0 rg BT 488.85 277.10 Td ( ) Tj ET Q q 0 0 0 rg BT 491.42 277.10 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 536.18 277.10 Td (Notes, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 265.10 Td (we ) Tj ET Q q 0 0 0 rg BT 64.16 265.10 Td (wrote-of) Tj ET Q q 0 0 0 rg BT 98.41 265.10 Td (f) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.74 265.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.24 265.10 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 124.24 265.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.13 265.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.63 265.10 Td (of ) Tj ET Q q 0 0 0 rg BT 166.46 265.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 186.18 265.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 222.55 265.10 Td (costs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.05 265.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 247.10 Td (On ) Tj ET Q q 0 0 0 rg BT 64.84 247.10 Td (August ) Tj ET Q q 0 0 0 rg BT 97.10 247.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 112.96 247.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 138.83 247.10 Td (af) Tj ET Q q 0 0 0 rg BT 146.42 247.10 Td (filiates ) Tj ET Q q 0 0 0 rg BT 176.99 247.10 Td (of ) Tj ET Q q 0 0 0 rg BT 188.69 247.10 Td (the ) Tj ET Q q 0 0 0 rg BT 204.27 247.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 246.52 247.10 Td (closed ) Tj ET Q q 0 0 0 rg BT 275.43 247.10 Td (on ) Tj ET Q q 0 0 0 rg BT 288.79 247.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.60 247.10 Td ($79.9 ) Tj ET Q q 0 0 0 rg BT 322.46 247.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.35 247.10 Td ( ) Tj ET Q q 0 0 0 rg BT 354.72 247.10 Td (f) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.05 247.10 Td (inancing ) Tj ET Q q 0 0 0 rg BT 395.84 247.10 Td (under ) Tj ET Q q 0 0 0 rg BT 421.98 247.10 Td (a ) Tj ET Q q 0 0 0 rg BT 429.78 247.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 478.11 247.10 Td (warehouse ) Tj ET Q q 0 0 0 rg BT 524.24 247.10 Td (financing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 235.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 95.87 235.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 127.30 235.10 Td (into ) Tj ET Q q 0 0 0 rg BT 144.86 235.10 Td (on ) Tj ET Q q 0 0 0 rg BT 156.41 235.10 Td (August ) Tj ET Q q 0 0 0 rg BT 187.31 235.10 Td (8, ) Tj ET Q q 0 0 0 rg BT 196.81 235.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 218.81 235.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 236.36 235.10 Td ("W) Tj ET Q q 0 0 0 rg BT 249.08 235.10 Td (arehouse ) Tj ET Q q 0 0 0 rg BT 286.61 235.10 Td (Financing"\). ) Tj ET Q q 0 0 0 rg BT 338.52 235.10 Td ( ) Tj ET Q q 0 0 0 rg BT 340.38 235.10 Td (The ) Tj ET Q q 0 0 0 rg BT 357.93 235.10 Td (net ) Tj ET Q q 0 0 0 rg BT 372.14 235.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 409.68 235.10 Td (of ) Tj ET Q q 0 0 0 rg BT 420.01 235.10 Td (the ) Tj ET Q q 0 0 0 rg BT 434.09 235.10 Td (W) Tj ET Q q 0 0 0 rg BT 442.72 235.10 Td (arehouse ) Tj ET Q q 0 0 0 rg BT 480.26 235.10 Td (Financing ) Tj ET Q q 0 0 0 rg BT 522.26 235.10 Td (were ) Tj ET Q q 0 0 0 rg BT 543.69 235.10 Td (used ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 223.10 Td (to ) Tj ET Q q 0 0 0 rg BT 61.11 223.10 Td (prepay ) Tj ET Q q 0 0 0 rg BT 91.64 223.10 Td (in ) Tj ET Q q 0 0 0 rg BT 102.75 223.10 Td (full ) Tj ET Q q 0 0 0 rg BT 119.96 223.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.51 223.10 Td (2016-A) Tj ET Q q 0 0 0 rg BT 165.51 223.10 Td ( ) Tj ET Q q 0 0 0 rg BT 168.83 223.10 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 214.36 223.10 Td (Notes, ) Tj ET Q q 0 0 0 rg BT 243.52 223.10 Td (which ) Tj ET Q q 0 0 0 rg BT 271.29 223.10 Td (had ) Tj ET Q q 0 0 0 rg BT 289.05 223.10 Td (been ) Tj ET Q q 0 0 0 rg BT 311.26 223.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 339.58 223.10 Td (by ) Tj ET Q q 0 0 0 rg BT 352.91 223.10 Td (Conn) Tj ET Q q 0 0 0 rg BT 377.36 223.10 Td (s ) Tj ET Q q 0 0 0 rg BT 384.58 223.10 Td (Receivables ) Tj ET Q q 0 0 0 rg BT 436.22 223.10 Td (Funding ) Tj ET Q q 0 0 0 rg BT 472.89 223.10 Td (2016-A, ) Tj ET Q q 0 0 0 rg BT 509.27 223.10 Td (LLC ) Tj ET Q q 0 0 0 rg BT 531.48 223.10 Td (under ) Tj ET Q q 0 0 0 rg BT 557.58 223.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 211.10 Td (securitization ) Tj ET Q q 0 0 0 rg BT 106.37 211.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 152.74 211.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 184.66 211.10 Td (into ) Tj ET Q q 0 0 0 rg BT 202.72 211.10 Td (on ) Tj ET Q q 0 0 0 rg BT 215.22 211.10 Td (March ) Tj ET Q q 0 0 0 rg BT 243.82 211.10 Td (17, ) Tj ET Q q 0 0 0 rg BT 258.82 211.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 283.82 211.10 Td (that ) Tj ET Q q 0 0 0 rg BT 301.31 211.10 Td (were ) Tj ET Q q 0 0 0 rg BT 323.24 211.10 Td (still ) Tj ET Q q 0 0 0 rg BT 340.75 211.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 389.91 211.10 Td (as ) Tj ET Q q 0 0 0 rg BT 400.74 211.10 Td (of ) Tj ET Q q 0 0 0 rg BT 411.02 211.10 Td (August ) Tj ET Q q 0 0 0 rg BT 442.41 211.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 457.41 211.10 Td (2017. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.41 211.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 193.10 Td (On ) Tj ET Q q 0 0 0 rg BT 64.34 193.10 Td (August ) Tj ET Q q 0 0 0 rg BT 95.94 193.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 111.16 193.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 136.37 193.10 Td (the ) Tj ET Q q 0 0 0 rg BT 151.30 193.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 192.90 193.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 237.27 193.10 Td (the ) Tj ET Q q 0 0 0 rg BT 252.20 193.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 300.45 193.10 Td (of ) Tj ET Q q 0 0 0 rg BT 311.50 193.10 Td (the ) Tj ET Q q 0 0 0 rg BT 326.43 193.10 Td (2016-A) Tj ET Q q 0 0 0 rg BT 356.43 193.10 Td ( ) Tj ET Q q 0 0 0 rg BT 359.14 193.10 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 404.06 193.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 430.10 193.10 Td (at ) Tj ET Q q 0 0 0 rg BT 440.03 193.10 Td (an ) Tj ET Q q 0 0 0 rg BT 452.18 193.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 493.76 193.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 542.02 193.10 Td (price ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 181.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.24 181.10 Td ($102.9 ) Tj ET Q q 0 0 0 rg BT 89.66 181.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.55 181.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.46 181.10 Td (\(which ) Tj ET Q q 0 0 0 rg BT 150.15 181.10 Td (was ) Tj ET Q q 0 0 0 rg BT 167.61 181.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 191.18 181.10 Td (to ) Tj ET Q q 0 0 0 rg BT 200.87 181.10 Td (the ) Tj ET Q q 0 0 0 rg BT 215.00 181.10 Td (entire ) Tj ET Q q 0 0 0 rg BT 239.68 181.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 288.26 181.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 325.72 181.10 Td (of, ) Tj ET Q q 0 0 0 rg BT 338.46 181.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 357.05 181.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 390.04 181.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 421.39 181.10 Td (and ) Tj ET Q q 0 0 0 rg BT 437.74 181.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.88 181.10 Td (call ) Tj ET Q q 0 0 0 rg BT 468.22 181.10 Td (premiums ) Tj ET Q q 0 0 0 rg BT 510.13 181.10 Td (on, ) Tj ET Q q 0 0 0 rg BT 524.55 181.10 Td (the ) Tj ET Q q 0 0 0 rg BT 538.68 181.10 Td (2016-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 169.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 169.10 Td ( ) Tj ET Q q 0 0 0 rg BT 58.40 169.10 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 102.33 169.10 Td (Notes\). ) Tj ET Q q 0 0 0 rg BT 133.22 169.10 Td ( ) Tj ET Q q 0 0 0 rg BT 134.82 169.10 Td (The ) Tj ET Q q 0 0 0 rg BT 152.10 169.10 Td (net ) Tj ET Q q 0 0 0 rg BT 166.04 169.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 189.99 169.10 Td (used ) Tj ET Q q 0 0 0 rg BT 210.05 169.10 Td (to ) Tj ET Q q 0 0 0 rg BT 219.56 169.10 Td (call ) Tj ET Q q 0 0 0 rg BT 235.72 169.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.67 169.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 272.50 169.10 Td (was) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.05 169.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.78 169.10 Td ($78.6 ) Tj ET Q q 0 0 0 rg BT 314.01 169.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.90 169.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.13 169.10 Td (which ) Tj ET Q q 0 0 0 rg BT 373.30 169.10 Td (is ) Tj ET Q q 0 0 0 rg BT 381.70 169.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 405.08 169.10 Td (to ) Tj ET Q q 0 0 0 rg BT 414.59 169.10 Td (the ) Tj ET Q q 0 0 0 rg BT 428.53 169.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 475.80 169.10 Td (price ) Tj ET Q q 0 0 0 rg BT 497.52 169.10 Td (less ) Tj ET Q q 0 0 0 rg BT 514.25 169.10 Td (adjustments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 157.10 Td (of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.33 157.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.87 157.10 Td ($24.3 ) Tj ET Q q 0 0 0 rg BT 83.91 157.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.80 157.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.34 157.10 Td (for ) Tj ET Q q 0 0 0 rg BT 127.54 157.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 151.30 157.10 Td (held ) Tj ET Q q 0 0 0 rg BT 170.06 157.10 Td (in ) Tj ET Q q 0 0 0 rg BT 179.38 157.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 209.78 157.10 Td (and ) Tj ET Q q 0 0 0 rg BT 225.76 157.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 266.73 157.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 303.25 157.10 Td (in ) Tj ET Q q 0 0 0 rg BT 312.57 157.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 359.07 157.10 Td (with ) Tj ET Q q 0 0 0 rg BT 378.39 157.10 Td (the ) Tj ET Q q 0 0 0 rg BT 392.15 157.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 415.90 157.10 Td (of ) Tj ET Q q 0 0 0 rg BT 425.77 157.10 Td (the ) Tj ET Q q 0 0 0 rg BT 439.53 157.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 482.16 157.10 Td (indenture ) Tj ET Q q 0 0 0 rg BT 521.46 157.10 Td (governing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 145.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.64 145.10 Td (2016-A) Tj ET Q q 0 0 0 rg BT 94.64 145.10 Td ( ) Tj ET Q q 0 0 0 rg BT 97.06 145.10 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 141.69 145.10 Td (Notes. ) Tj ET Q q 0 0 0 rg BT 169.77 145.10 Td (The ) Tj ET Q q 0 0 0 rg BT 187.74 145.10 Td (dif) Tj ET Q q 0 0 0 rg BT 198.67 145.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 230.50 145.10 Td (between ) Tj ET Q q 0 0 0 rg BT 266.24 145.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.88 145.10 Td (net ) Tj ET Q q 0 0 0 rg BT 295.52 145.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 333.48 145.10 Td (of ) Tj ET Q q 0 0 0 rg BT 344.24 145.10 Td (the ) Tj ET Q q 0 0 0 rg BT 358.70 145.10 Td (W) Tj ET Q q 0 0 0 rg BT 367.34 145.10 Td (arehouse ) Tj ET Q q 0 0 0 rg BT 405.30 145.10 Td (Financing ) Tj ET Q q 0 0 0 rg BT 447.72 145.10 Td (and ) Tj ET Q q 0 0 0 rg BT 464.58 145.10 Td (the ) Tj ET Q q 0 0 0 rg BT 479.22 145.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 514.96 145.10 Td (value ) Tj ET Q q 0 0 0 rg BT 539.04 145.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 145.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 133.10 Td (2016-A) Tj ET Q q 0 0 0 rg BT 80.00 133.10 Td ( ) Tj ET Q q 0 0 0 rg BT 82.57 133.10 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 127.34 133.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 153.24 133.10 Td (at ) Tj ET Q q 0 0 0 rg BT 163.03 133.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 211.14 133.10 Td (was ) Tj ET Q q 0 0 0 rg BT 229.26 133.10 Td (used ) Tj ET Q q 0 0 0 rg BT 250.16 133.10 Td (to ) Tj ET Q q 0 0 0 rg BT 260.51 133.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 281.41 133.10 Td (fees, ) Tj ET Q q 0 0 0 rg BT 302.58 133.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 341.25 133.10 Td (and ) Tj ET Q q 0 0 0 rg BT 358.25 133.10 Td (a ) Tj ET Q q 0 0 0 rg BT 365.26 133.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 396.70 133.10 Td (account ) Tj ET Q q 0 0 0 rg BT 430.36 133.10 Td (related ) Tj ET Q q 0 0 0 rg BT 460.14 133.10 Td (to ) Tj ET Q q 0 0 0 rg BT 470.48 133.10 Td (the ) Tj ET Q q 0 0 0 rg BT 485.08 133.10 Td (W) Tj ET Q q 0 0 0 rg BT 493.72 133.10 Td (arehouse ) Tj ET Q q 0 0 0 rg BT 531.83 133.10 Td (facility) Tj ET Q q 0 0 0 rg BT 559.50 133.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 121.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.83 121.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 107.20 121.10 Td (with ) Tj ET Q q 0 0 0 rg BT 127.48 121.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.20 121.10 Td (early ) Tj ET Q q 0 0 0 rg BT 164.68 121.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 212.72 121.10 Td (of ) Tj ET Q q 0 0 0 rg BT 223.55 121.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.27 121.10 Td (2016-A) Tj ET Q q 0 0 0 rg BT 268.27 121.10 Td ( ) Tj ET Q q 0 0 0 rg BT 270.77 121.10 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 315.47 121.10 Td (Notes, ) Tj ET Q q 0 0 0 rg BT 343.80 121.10 Td (we ) Tj ET Q q 0 0 0 rg BT 357.96 121.10 Td (wrote-of) Tj ET Q q 0 0 0 rg BT 392.21 121.10 Td (f) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.54 121.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.04 121.10 Td ($0.5 ) Tj ET Q q 0 0 0 rg BT 418.04 121.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.93 121.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.43 121.10 Td (of ) Tj ET Q q 0 0 0 rg BT 460.26 121.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 479.98 121.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 516.36 121.10 Td (costs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.86 121.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 103.10 Td (Revolving ) Tj ET Q q 0 0 0 rg BT 93.39 103.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 121.24 103.10 Td (Facility) Tj ET Q q 0 0 0 rg BT 152.52 103.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.02 103.10 Td ( ) Tj ET Q q 0 0 0 rg BT 157.31 103.10 Td ( ) Tj ET Q q 0 0 0 rg BT 159.60 103.10 Td (On ) Tj ET Q q 0 0 0 rg BT 174.11 103.10 Td (March ) Tj ET Q q 0 0 0 rg BT 202.50 103.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 217.28 103.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 242.07 103.10 Td (Conn's, ) Tj ET Q q 0 0 0 rg BT 274.22 103.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 291.78 103.10 Td (and ) Tj ET Q q 0 0 0 rg BT 308.50 103.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 337.99 103.10 Td (of ) Tj ET Q q 0 0 0 rg BT 348.61 103.10 Td (its ) Tj ET Q q 0 0 0 rg BT 360.35 103.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 409.85 103.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 427.69 103.10 Td ("Borrowers"\) ) Tj ET Q q 0 0 0 rg BT 483.68 103.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 515.39 103.10 Td (into ) Tj ET Q q 0 0 0 rg BT 533.23 103.10 Td (a ) Tj ET Q q 0 0 0 rg BT 539.80 103.10 Td (Third ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 91.10 Td (Amendment ) Tj ET Q q 0 0 0 rg BT 101.50 91.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 119.11 91.10 Td ("Third ) Tj ET Q q 0 0 0 rg BT 147.02 91.10 Td (Amendment"\) ) Tj ET Q q 0 0 0 rg BT 205.93 91.10 Td (to ) Tj ET Q q 0 0 0 rg BT 215.77 91.10 Td (the ) Tj ET Q q 0 0 0 rg BT 229.91 91.10 Td (Third ) Tj ET Q q 0 0 0 rg BT 253.73 91.10 Td (Amended ) Tj ET Q q 0 0 0 rg BT 294.68 91.10 Td (and ) Tj ET Q q 0 0 0 rg BT 311.18 91.10 Td (Restated ) Tj ET Q q 0 0 0 rg BT 347.68 91.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 370.29 91.10 Td (and ) Tj ET Q q 0 0 0 rg BT 386.79 91.10 Td (Security ) Tj ET Q q 0 0 0 rg BT 421.73 91.10 Td (Agreement, ) Tj ET Q q 0 0 0 rg BT 470.72 91.10 Td (dated ) Tj ET Q q 0 0 0 rg BT 494.44 91.10 Td (as ) Tj ET Q q 0 0 0 rg BT 504.83 91.10 Td (of ) Tj ET Q q 0 0 0 rg BT 515.23 91.10 Td (October ) Tj ET Q q 0 0 0 rg BT 549.50 91.10 Td (30, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 79.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 74.29 79.10 Td (with ) Tj ET Q q 0 0 0 rg BT 93.85 79.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 122.84 79.10 Td (lenders, ) Tj ET Q q 0 0 0 rg BT 156.01 79.10 Td (which ) Tj ET Q q 0 0 0 rg BT 182.23 79.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 218.46 79.10 Td (for ) Tj ET Q q 0 0 0 rg BT 231.90 79.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.13 79.10 Td ($750.0 ) Tj ET Q q 0 0 0 rg BT 267.42 79.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.31 79.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.10 79.10 Td (asset-based ) Tj ET Q q 0 0 0 rg BT 345.42 79.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 385.53 79.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 410.08 79.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 440.19 79.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 457.52 79.10 Td ("revolving ) Tj ET Q q 0 0 0 rg BT 501.72 79.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 526.27 79.10 Td (facility"\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 67.10 Td (under ) Tj ET Q q 0 0 0 rg BT 75.27 67.10 Td (which ) Tj ET Q q 0 0 0 rg BT 102.21 67.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 127.47 67.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 174.96 67.10 Td (is ) Tj ET Q q 0 0 0 rg BT 184.13 67.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 214.95 67.10 Td (to ) Tj ET Q q 0 0 0 rg BT 225.23 67.10 Td (a ) Tj ET Q q 0 0 0 rg BT 232.17 67.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 276.33 67.10 Td (base. ) Tj ET Q q 0 0 0 rg BT 299.10 67.10 Td ( ) Tj ET Q q 0 0 0 rg BT 301.42 67.10 Td (The ) Tj ET Q q 0 0 0 rg BT 319.46 67.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 360.29 67.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 385.55 67.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 416.37 67.10 Td (matures ) Tj ET Q q 0 0 0 rg BT 450.53 67.10 Td (on ) Tj ET Q q 0 0 0 rg BT 463.03 67.10 Td (October ) Tj ET Q q 0 0 0 rg BT 497.73 67.10 Td (30, ) Tj ET Q q 0 0 0 rg BT 512.73 67.10 Td (2019.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.23 67.10 Td ( ) Tj ET Q endstream endobj 103 0 obj <>] /Rotate 0 /Contents 104 0 R>> endobj 104 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The) Tj ET Q q 0 0 0 rg BT 67.87 742.10 Td (Third ) Tj ET Q q 0 0 0 rg BT 91.86 742.10 Td (Amendment, ) Tj ET Q q 0 0 0 rg BT 146.08 742.10 Td (among ) Tj ET Q q 0 0 0 rg BT 175.57 742.10 Td (other ) Tj ET Q q 0 0 0 rg BT 198.40 742.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 227.63 742.10 Td (\(a\) ) Tj ET Q q 0 0 0 rg BT 241.01 742.10 Td (extended ) Tj ET Q q 0 0 0 rg BT 279.39 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 293.89 742.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 330.05 742.10 Td (date ) Tj ET Q q 0 0 0 rg BT 348.99 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 359.60 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 374.10 742.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 399.14 742.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 429.75 742.10 Td (one ) Tj ET Q q 0 0 0 rg BT 446.47 742.10 Td (year ) Tj ET Q q 0 0 0 rg BT 465.96 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 476.02 742.10 Td (October ) Tj ET Q q 0 0 0 rg BT 510.50 742.10 Td (30, ) Tj ET Q q 0 0 0 rg BT 525.29 742.10 Td (2019; ) Tj ET Q q 0 0 0 rg BT 550.35 742.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 88.54 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 103.18 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 110.61 730.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 151.36 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 162.13 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.33 730.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 219.18 730.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 276.61 730.10 Td (from) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.05 730.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.04 730.10 Td ($810 ) Tj ET Q q 0 0 0 rg BT 322.03 730.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.92 730.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.91 730.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.67 730.10 Td ($750 ) Tj ET Q q 0 0 0 rg BT 387.66 730.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.55 730.10 Td (; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.32 730.10 Td (\(c\) ) Tj ET Q q 0 0 0 rg BT 436.41 730.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 475.49 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 490.69 730.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 532.57 730.10 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (coverage ) Tj ET Q q 0 0 0 rg BT 88.37 718.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 108.98 718.10 Td (covenant ) Tj ET Q q 0 0 0 rg BT 147.37 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 157.43 718.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 186.36 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.87 718.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 242.05 718.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 273.77 718.10 Td (coverage ) Tj ET Q q 0 0 0 rg BT 312.14 718.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 332.75 718.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.82 718.10 Td (1.25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.32 718.10 Td (x ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.61 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 378.23 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 388.84 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.35 718.10 Td (last ) Tj ET Q q 0 0 0 rg BT 419.52 718.10 Td (day ) Tj ET Q q 0 0 0 rg BT 436.25 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 446.87 718.10 Td (each ) Tj ET Q q 0 0 0 rg BT 467.47 718.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 491.41 718.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 522.01 718.10 Td (beginning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (with ) Tj ET Q q 0 0 0 rg BT 70.37 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 85.19 706.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 109.44 706.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 140.35 706.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 166.82 706.10 Td (January ) Tj ET Q q 0 0 0 rg BT 200.51 706.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 215.61 706.10 Td (2018; ) Tj ET Q q 0 0 0 rg BT 240.98 706.10 Td (\(d\) ) Tj ET Q q 0 0 0 rg BT 255.24 706.10 Td (reduced ) Tj ET Q q 0 0 0 rg BT 289.48 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.29 706.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 345.78 706.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 366.14 706.10 Td (recovery ) Tj ET Q q 0 0 0 rg BT 403.71 706.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 449.61 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 462.20 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 477.01 706.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 515.70 706.10 Td (it ) Tj ET Q q 0 0 0 rg BT 523.85 706.10 Td (owns ) Tj ET Q q 0 0 0 rg BT 547.56 706.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (manages ) Tj ET Q q 0 0 0 rg BT 87.28 694.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.01 694.10 Td (4.50%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.84 694.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.14 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 147.21 694.10 Td (4.45% ) Tj ET Q q 0 0 0 rg BT 175.33 694.10 Td (for ) Tj ET Q q 0 0 0 rg BT 189.29 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 203.80 694.10 Td (first ) Tj ET Q q 0 0 0 rg BT 222.20 694.10 Td (nine ) Tj ET Q q 0 0 0 rg BT 241.71 694.10 Td (months ) Tj ET Q q 0 0 0 rg BT 273.45 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 284.08 694.10 Td (each ) Tj ET Q q 0 0 0 rg BT 304.69 694.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 328.63 694.10 Td (year) Tj ET Q q 0 0 0 rg BT 345.44 694.10 Td (, ) Tj ET Q q 0 0 0 rg BT 350.24 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 366.97 694.10 Td (from ) Tj ET Q q 0 0 0 rg BT 388.70 694.10 Td (4.25% ) Tj ET Q q 0 0 0 rg BT 416.82 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 426.90 694.10 Td (4.20% ) Tj ET Q q 0 0 0 rg BT 455.02 694.10 Td (for ) Tj ET Q q 0 0 0 rg BT 468.97 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 483.49 694.10 Td (last ) Tj ET Q q 0 0 0 rg BT 499.67 694.10 Td (three ) Tj ET Q q 0 0 0 rg BT 521.95 694.10 Td (months ) Tj ET Q q 0 0 0 rg BT 553.69 694.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (each ) Tj ET Q q 0 0 0 rg BT 70.49 682.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 94.31 682.10 Td (year; ) Tj ET Q q 0 0 0 rg BT 116.47 682.10 Td (\(e\) ) Tj ET Q q 0 0 0 rg BT 129.74 682.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 168.01 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 182.40 682.10 Td (definition ) Tj ET Q q 0 0 0 rg BT 223.45 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 233.95 682.10 Td (EBITDA ) Tj ET Q q 0 0 0 rg BT 281.66 682.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 294.11 682.10 Td (among ) Tj ET Q q 0 0 0 rg BT 323.50 682.10 Td (other ) Tj ET Q q 0 0 0 rg BT 346.22 682.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 375.34 682.10 Td (exclude ) Tj ET Q q 0 0 0 rg BT 408.60 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 422.99 682.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 452.38 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 462.88 682.10 Td (non-cash ) Tj ET Q q 0 0 0 rg BT 501.15 682.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 522.76 682.10 Td (write-of) Tj ET Q q 0 0 0 rg BT 554.79 682.10 Td (fs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 82.96 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 93.15 670.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 145.00 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 155.20 670.10 Td (process; ) Tj ET Q q 0 0 0 rg BT 190.38 670.10 Td (\(f\) ) Tj ET Q q 0 0 0 rg BT 202.79 670.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 241.30 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.93 670.10 Td (definition ) Tj ET Q q 0 0 0 rg BT 297.23 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 307.97 670.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 344.81 670.10 Td (Expense ) Tj ET Q q 0 0 0 rg BT 385.54 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 395.74 670.10 Td (exclude ) Tj ET Q q 0 0 0 rg BT 429.25 670.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 458.87 670.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 509.05 670.10 Td (expenses; ) Tj ET Q q 0 0 0 rg BT 550.34 670.10 Td (\(g\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 88.98 658.10 Td (various ) Tj ET Q q 0 0 0 rg BT 121.30 658.10 Td (definitions ) Tj ET Q q 0 0 0 rg BT 166.96 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 184.28 658.10 Td (other ) Tj ET Q q 0 0 0 rg BT 207.71 658.10 Td (related ) Tj ET Q q 0 0 0 rg BT 237.79 658.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 282.35 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 293.01 658.10 Td (clarify ) Tj ET Q q 0 0 0 rg BT 321.98 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 337.08 658.10 Td (Company) Tj ET Q q 0 0 0 rg BT 378.75 658.10 Td (s ) Tj ET Q q 0 0 0 rg BT 385.52 658.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 413.96 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 424.62 658.10 Td (undertake ) Tj ET Q q 0 0 0 rg BT 466.93 658.10 Td (permitted ) Tj ET Q q 0 0 0 rg BT 508.13 658.10 Td (securitization ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (transactions; ) Tj ET Q q 0 0 0 rg BT 103.27 646.10 Td (\(h\) ) Tj ET Q q 0 0 0 rg BT 117.65 646.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 158.13 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 173.07 646.10 Td (number ) Tj ET Q q 0 0 0 rg BT 206.34 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 217.39 646.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 245.11 646.10 Td (cures ) Tj ET Q q 0 0 0 rg BT 268.93 646.10 Td (that ) Tj ET Q q 0 0 0 rg BT 286.65 646.10 Td (may ) Tj ET Q q 0 0 0 rg BT 306.59 646.10 Td (be ) Tj ET Q q 0 0 0 rg BT 318.75 646.10 Td (exercised ) Tj ET Q q 0 0 0 rg BT 359.23 646.10 Td (during ) Tj ET Q q 0 0 0 rg BT 388.06 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.00 646.10 Td (term ) Tj ET Q q 0 0 0 rg BT 424.05 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 435.11 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 450.05 646.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 494.41 646.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.57 646.10 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.01 646.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.74 646.10 Td (time ) Tj ET Q q 0 0 0 rg BT 554.23 646.10 Td (to) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 65.00 634.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.81 634.10 Td (times, ) Tj ET Q q 0 0 0 rg BT 92.78 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 109.03 634.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 148.59 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 162.61 634.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 204.97 634.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 236.78 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 246.92 634.10 Td (each ) Tj ET Q q 0 0 0 rg BT 267.04 634.10 Td (such ) Tj ET Q q 0 0 0 rg BT 287.18 634.10 Td (cure ) Tj ET Q q 0 0 0 rg BT 306.19 634.10 Td (from) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.63 634.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.44 634.10 Td ($10 ) Tj ET Q q 0 0 0 rg BT 344.25 634.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.14 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 374.95 634.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.53 634.10 Td ($20 ) Tj ET Q q 0 0 0 rg BT 401.34 634.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.23 634.10 Td (;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.01 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 434.82 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 451.07 634.10 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 462.31 634.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 500.22 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 514.25 634.10 Td (calculations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 59.88 622.10 Td (T) Tj ET Q q 0 0 0 rg BT 69.73 622.10 Td (angible ) Tj ET Q q 0 0 0 rg BT 100.72 622.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 116.59 622.10 Td (W) Tj ET Q q 0 0 0 rg BT 125.23 622.10 Td (orth ) Tj ET Q q 0 0 0 rg BT 147.33 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 163.32 622.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 199.30 622.10 Td (Coverage ) Tj ET Q q 0 0 0 rg BT 239.16 622.10 Td (Ratio ) Tj ET Q q 0 0 0 rg BT 266.82 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 276.15 622.10 Td (deduct ) Tj ET Q q 0 0 0 rg BT 304.36 622.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 333.11 622.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 368.55 622.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 415.64 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 424.97 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 438.74 622.10 Td (dif) Tj ET Q q 0 0 0 rg BT 449.66 622.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 480.63 622.10 Td (between ) Tj ET Q q 0 0 0 rg BT 515.50 622.10 Td (a ) Tj ET Q q 0 0 0 rg BT 521.49 622.10 Td (calculated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 68.06 610.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 99.43 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 116.37 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 131.08 610.10 Td (Company) Tj ET Q q 0 0 0 rg BT 172.75 610.10 Td (s ) Tj ET Q q 0 0 0 rg BT 179.14 610.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 216.62 610.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 234.68 610.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 266.04 610.10 Td (on ) Tj ET Q q 0 0 0 rg BT 278.54 610.10 Td (its ) Tj ET Q q 0 0 0 rg BT 290.49 610.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 329.65 610.10 Td (receivables. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.62 610.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 77.22 592.10 Td (under ) Tj ET Q q 0 0 0 rg BT 102.78 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.78 592.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 158.89 592.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 184.44 592.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 215.54 592.10 Td (bear ) Tj ET Q q 0 0 0 rg BT 235.53 592.10 Td (interest, ) Tj ET Q q 0 0 0 rg BT 270.25 592.10 Td (at ) Tj ET Q q 0 0 0 rg BT 280.25 592.10 Td (our ) Tj ET Q q 0 0 0 rg BT 296.37 592.10 Td (option, ) Tj ET Q q 0 0 0 rg BT 327.21 592.10 Td (at ) Tj ET Q q 0 0 0 rg BT 337.21 592.10 Td (a ) Tj ET Q q 0 0 0 rg BT 344.43 592.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 362.20 592.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 386.64 592.10 Td (to ) Tj ET Q q 0 0 0 rg BT 397.21 592.10 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 429.99 592.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 449.45 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 464.45 592.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 508.32 592.10 Td (mar) Tj ET Q q 0 0 0 rg BT 523.69 592.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 539.25 592.10 Td (based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.94 580.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 94.20 580.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 142.12 580.10 Td (which ) Tj ET Q q 0 0 0 rg BT 169.50 580.10 Td (specifies ) Tj ET Q q 0 0 0 rg BT 207.43 580.10 Td (a ) Tj ET Q q 0 0 0 rg BT 214.80 580.10 Td (mar) Tj ET Q q 0 0 0 rg BT 230.17 580.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 245.89 580.10 Td (ranging ) Tj ET Q q 0 0 0 rg BT 279.38 580.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.75 580.10 Td (2.75%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.58 580.10 Td ( ) Tj ET Q q 0 0 0 rg BT 330.52 580.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.24 580.10 Td (3.25%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.07 580.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.01 580.10 Td (per ) Tj ET Q q 0 0 0 rg BT 385.72 580.10 Td (annum ) Tj ET Q q 0 0 0 rg BT 415.87 580.10 Td (\(depending ) Tj ET Q q 0 0 0 rg BT 463.80 580.10 Td (on ) Tj ET Q q 0 0 0 rg BT 476.74 580.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 515.77 580.10 Td (average ) Tj ET Q q 0 0 0 rg BT 549.79 580.10 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 96.88 568.10 Td (under ) Tj ET Q q 0 0 0 rg BT 121.55 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.66 568.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 179.21 568.10 Td (base\) ) Tj ET Q q 0 0 0 rg BT 202.21 568.10 Td (or ) Tj ET Q q 0 0 0 rg BT 212.44 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 226.55 568.10 Td (alternate ) Tj ET Q q 0 0 0 rg BT 262.86 568.10 Td (base ) Tj ET Q q 0 0 0 rg BT 282.53 568.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 299.41 568.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 317.98 568.10 Td (a ) Tj ET Q q 0 0 0 rg BT 324.31 568.10 Td (mar) Tj ET Q q 0 0 0 rg BT 339.68 568.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 354.35 568.10 Td (ranging ) Tj ET Q q 0 0 0 rg BT 386.79 568.10 Td (from) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.23 568.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.13 568.10 Td (1.75%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.96 568.10 Td ( ) Tj ET Q q 0 0 0 rg BT 435.85 568.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.53 568.10 Td (2.25%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.36 568.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.25 568.10 Td (per ) Tj ET Q q 0 0 0 rg BT 487.92 568.10 Td (annum ) Tj ET Q q 0 0 0 rg BT 517.03 568.10 Td (\(depending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.13 556.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 100.36 556.10 Td (average ) Tj ET Q q 0 0 0 rg BT 133.58 556.10 Td (net ) Tj ET Q q 0 0 0 rg BT 147.93 556.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 195.04 556.10 Td (under ) Tj ET Q q 0 0 0 rg BT 219.95 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 234.29 556.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 278.09 556.10 Td (base\). ) Tj ET Q q 0 0 0 rg BT 303.67 556.10 Td (The ) Tj ET Q q 0 0 0 rg BT 321.34 556.10 Td (alternate ) Tj ET Q q 0 0 0 rg BT 357.90 556.10 Td (base ) Tj ET Q q 0 0 0 rg BT 377.80 556.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 394.92 556.10 Td (is ) Tj ET Q q 0 0 0 rg BT 403.72 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 418.07 556.10 Td (greatest ) Tj ET Q q 0 0 0 rg BT 451.29 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 461.76 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 476.11 556.10 Td (prime ) Tj ET Q q 0 0 0 rg BT 501.57 556.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 518.68 556.10 Td (announced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.80 544.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 86.70 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 97.21 544.10 Td (America, ) Tj ET Q q 0 0 0 rg BT 136.93 544.10 Td (N.A., ) Tj ET Q q 0 0 0 rg BT 161.67 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 176.68 544.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 207.23 544.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 232.24 544.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 250.02 544.10 Td (plus ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.49 544.10 Td (0.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.32 544.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.62 544.10 Td (or ) Tj ET Q q 0 0 0 rg BT 306.74 544.10 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 339.54 544.10 Td (for ) Tj ET Q q 0 0 0 rg BT 353.99 544.10 Td (a ) Tj ET Q q 0 0 0 rg BT 361.23 544.10 Td (30-day ) Tj ET Q q 0 0 0 rg BT 391.79 544.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 424.02 544.10 Td (period ) Tj ET Q q 0 0 0 rg BT 452.36 544.10 Td (plus) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.03 544.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.83 544.10 Td (1.0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.66 544.10 Td (. ) Tj ET Q q 0 0 0 rg BT 497.95 544.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.55 544.10 Td (W) Tj ET Q q 0 0 0 rg BT 509.18 544.10 Td (e ) Tj ET Q q 0 0 0 rg BT 516.42 544.10 Td (also ) Tj ET Q q 0 0 0 rg BT 535.32 544.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 552.55 544.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (unused ) Tj ET Q q 0 0 0 rg BT 81.33 532.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 96.54 532.10 Td (on ) Tj ET Q q 0 0 0 rg BT 109.55 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 124.77 532.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 156.66 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 167.99 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 183.21 532.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 240.65 532.10 Td (that ) Tj ET Q q 0 0 0 rg BT 258.65 532.10 Td (is ) Tj ET Q q 0 0 0 rg BT 268.32 532.10 Td (available ) Tj ET Q q 0 0 0 rg BT 307.41 532.10 Td (for ) Tj ET Q q 0 0 0 rg BT 322.08 532.10 Td (future ) Tj ET Q q 0 0 0 rg BT 348.96 532.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 397.51 532.10 Td (or ) Tj ET Q q 0 0 0 rg BT 408.84 532.10 Td (letters ) Tj ET Q q 0 0 0 rg BT 436.28 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 447.61 532.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 473.38 532.10 Td (at ) Tj ET Q q 0 0 0 rg BT 483.60 532.10 Td (a ) Tj ET Q q 0 0 0 rg BT 491.04 532.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 509.03 532.10 Td (ranging ) Tj ET Q q 0 0 0 rg BT 542.58 532.10 Td (from) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (0.25%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.83 520.10 Td ( ) Tj ET Q q 0 0 0 rg BT 78.34 520.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.63 520.10 Td (0.75%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.46 520.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.97 520.10 Td (per ) Tj ET Q q 0 0 0 rg BT 132.25 520.10 Td (annum, ) Tj ET Q q 0 0 0 rg BT 164.48 520.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 208.65 520.10 Td (on ) Tj ET Q q 0 0 0 rg BT 221.16 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 235.89 520.10 Td (average ) Tj ET Q q 0 0 0 rg BT 269.48 520.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 318.66 520.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 351.70 520.10 Td (and ) Tj ET Q q 0 0 0 rg BT 368.65 520.10 Td (letters ) Tj ET Q q 0 0 0 rg BT 395.60 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 406.44 520.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 431.71 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 442.55 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.28 520.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 498.12 520.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 523.39 520.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 554.22 520.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.43 508.10 Td (immediately ) Tj ET Q q 0 0 0 rg BT 116.63 508.10 Td (preceding ) Tj ET Q q 0 0 0 rg BT 158.26 508.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 186.03 508.10 Td (. ) Tj ET Q q 0 0 0 rg BT 190.74 508.10 Td ( ) Tj ET Q q 0 0 0 rg BT 192.79 508.10 Td (The ) Tj ET Q q 0 0 0 rg BT 210.55 508.10 Td (weighted-average ) Tj ET Q q 0 0 0 rg BT 283.83 508.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 315.48 508.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 332.67 508.10 Td (on ) Tj ET Q q 0 0 0 rg BT 344.88 508.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 392.65 508.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 441.52 508.10 Td (and ) Tj ET Q q 0 0 0 rg BT 458.18 508.10 Td (including ) Tj ET Q q 0 0 0 rg BT 498.16 508.10 Td (unused ) Tj ET Q q 0 0 0 rg BT 528.70 508.10 Td (line ) Tj ET Q q 0 0 0 rg BT 545.91 508.10 Td (fees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (under ) Tj ET Q q 0 0 0 rg BT 75.27 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 89.99 496.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 130.81 496.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 156.07 496.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 186.89 496.10 Td (was) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.45 496.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.95 496.10 Td (6.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.78 496.10 Td ( ) Tj ET Q q 0 0 0 rg BT 228.28 496.10 Td (for ) Tj ET Q q 0 0 0 rg BT 242.44 496.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 266.59 496.10 Td (year ) Tj ET Q q 0 0 0 rg BT 286.30 496.10 Td (2018.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.80 496.10 Td ( ) Tj ET Q q 0 0 0 rg BT 311.30 496.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.04 478.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 108.87 478.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 134.13 478.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 164.95 478.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 201.88 478.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 235.49 478.10 Td (based ) Tj ET Q q 0 0 0 rg BT 260.75 478.10 Td (on ) Tj ET Q q 0 0 0 rg BT 273.25 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 280.19 478.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 324.35 478.10 Td (base ) Tj ET Q q 0 0 0 rg BT 344.61 478.10 Td (calculation ) Tj ET Q q 0 0 0 rg BT 390.98 478.10 Td (that ) Tj ET Q q 0 0 0 rg BT 408.47 478.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 444.29 478.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 483.44 478.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 520.93 478.10 Td (receivable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.54 466.10 Td (inventory) Tj ET Q q 0 0 0 rg BT 105.21 466.10 Td (, ) Tj ET Q q 0 0 0 rg BT 110.81 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 128.35 466.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 165.89 466.10 Td (for ) Tj ET Q q 0 0 0 rg BT 180.65 466.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.19 466.10 Td ($40.0 ) Tj ET Q q 0 0 0 rg BT 213.79 466.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.68 466.10 Td ( ) Tj ET Q q 0 0 0 rg BT 245.78 466.10 Td (s) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.67 466.10 Td (ub-facility ) Tj ET Q q 0 0 0 rg BT 294.42 466.10 Td (for ) Tj ET Q q 0 0 0 rg BT 309.18 466.10 Td (letters ) Tj ET Q q 0 0 0 rg BT 336.71 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 348.14 466.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 374.01 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 384.88 466.10 Td (support ) Tj ET Q q 0 0 0 rg BT 417.98 466.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 465.53 466.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 501.94 466.10 Td (in ) Tj ET Q q 0 0 0 rg BT 512.82 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 528.14 466.10 Td (ordinary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (course ) Tj ET Q q 0 0 0 rg BT 79.38 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 91.00 454.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 130.44 454.10 Td (The ) Tj ET Q q 0 0 0 rg BT 149.27 454.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 197.00 454.10 Td (under ) Tj ET Q q 0 0 0 rg BT 223.05 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.55 454.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 280.16 454.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 306.21 454.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 337.82 454.10 Td (are ) Tj ET Q q 0 0 0 rg BT 353.31 454.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 387.13 454.10 Td (by ) Tj ET Q q 0 0 0 rg BT 400.42 454.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 454.26 454.10 Td (all ) Tj ET Q q 0 0 0 rg BT 467.54 454.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 494.15 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 505.77 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.27 454.10 Td (Company) Tj ET Q q 0 0 0 rg BT 559.51 454.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 92.29 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 107.37 442.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 133.56 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 144.76 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 159.63 442.10 Td (VIEs. ) Tj ET Q q 0 0 0 rg BT 185.54 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 187.77 442.10 Td (As ) Tj ET Q q 0 0 0 rg BT 201.75 442.10 Td (of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.08 442.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.94 442.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 261.90 442.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.90 442.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.26 442.10 Td (we ) Tj ET Q q 0 0 0 rg BT 301.78 442.10 Td (had ) Tj ET Q q 0 0 0 rg BT 319.08 442.10 Td (immediately ) Tj ET Q q 0 0 0 rg BT 371.93 442.10 Td (available ) Tj ET Q q 0 0 0 rg BT 410.88 442.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 455.40 442.10 Td (capacity ) Tj ET Q q 0 0 0 rg BT 491.57 442.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.76 442.10 Td ($207.6 ) Tj ET Q q 0 0 0 rg BT 533.12 442.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (under ) Tj ET Q q 0 0 0 rg BT 75.78 430.10 Td (our ) Tj ET Q q 0 0 0 rg BT 92.12 430.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 133.46 430.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 159.23 430.10 Td (facility) Tj ET Q q 0 0 0 rg BT 186.91 430.10 Td (, ) Tj ET Q q 0 0 0 rg BT 192.42 430.10 Td (net ) Tj ET Q q 0 0 0 rg BT 207.65 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 218.99 430.10 Td (standby ) Tj ET Q q 0 0 0 rg BT 253.11 430.10 Td (letters ) Tj ET Q q 0 0 0 rg BT 280.55 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 291.89 430.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 317.67 430.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 345.68 430.10 Td (of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.01 430.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.02 430.10 Td ($2.8 ) Tj ET Q q 0 0 0 rg BT 377.54 430.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.43 430.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.72 430.10 Td (W) Tj ET Q q 0 0 0 rg BT 420.36 430.10 Td (e ) Tj ET Q q 0 0 0 rg BT 427.81 430.10 Td (also ) Tj ET Q q 0 0 0 rg BT 446.93 430.10 Td (had) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.37 430.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.38 430.10 Td ($462.6 ) Tj ET Q q 0 0 0 rg BT 494.89 430.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.78 430.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.79 430.10 Td (that ) Tj ET Q q 0 0 0 rg BT 544.80 430.10 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (become ) Tj ET Q q 0 0 0 rg BT 84.21 418.10 Td (available ) Tj ET Q q 0 0 0 rg BT 123.42 418.10 Td (under ) Tj ET Q q 0 0 0 rg BT 149.30 418.10 Td (our ) Tj ET Q q 0 0 0 rg BT 165.75 418.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 207.19 418.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 233.07 418.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 264.51 418.10 Td (if ) Tj ET Q q 0 0 0 rg BT 273.73 418.10 Td (we ) Tj ET Q q 0 0 0 rg BT 288.51 418.10 Td (grow ) Tj ET Q q 0 0 0 rg BT 312.18 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 327.51 418.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 361.16 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 372.61 418.10 Td (eligible ) Tj ET Q q 0 0 0 rg BT 405.71 418.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 445.49 418.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 493.57 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 511.13 418.10 Td (total ) Tj ET Q q 0 0 0 rg BT 532.02 418.10 Td (eligible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 90.83 406.10 Td (balances. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.25 406.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (The ) Tj ET Q q 0 0 0 rg BT 69.63 382.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 112.03 382.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 138.87 382.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 171.27 382.10 Td (places ) Tj ET Q q 0 0 0 rg BT 200.34 382.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 248.85 382.10 Td (on ) Tj ET Q q 0 0 0 rg BT 262.93 382.10 Td (our ) Tj ET Q q 0 0 0 rg BT 280.34 382.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 309.97 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 321.83 382.10 Td (incur ) Tj ET Q q 0 0 0 rg BT 346.46 382.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 390.53 382.10 Td (indebtedness, ) Tj ET Q q 0 0 0 rg BT 448.76 382.10 Td (grant ) Tj ET Q q 0 0 0 rg BT 473.39 382.10 Td (liens ) Tj ET Q q 0 0 0 rg BT 496.35 382.10 Td (on ) Tj ET Q q 0 0 0 rg BT 510.43 382.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 540.34 382.10 Td (make ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (distributions ) Tj ET Q q 0 0 0 rg BT 102.21 370.10 Td (on ) Tj ET Q q 0 0 0 rg BT 114.41 370.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 141.61 370.10 Td (interests, ) Tj ET Q q 0 0 0 rg BT 179.64 370.10 Td (dispose ) Tj ET Q q 0 0 0 rg BT 211.85 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 222.38 370.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 250.42 370.10 Td (make ) Tj ET Q q 0 0 0 rg BT 274.28 370.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 300.09 370.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 316.73 370.10 Td (other ) Tj ET Q q 0 0 0 rg BT 339.48 370.10 Td (indebtedness, ) Tj ET Q q 0 0 0 rg BT 395.84 370.10 Td (engage ) Tj ET Q q 0 0 0 rg BT 426.36 370.10 Td (in ) Tj ET Q q 0 0 0 rg BT 436.35 370.10 Td (mer) Tj ET Q q 0 0 0 rg BT 451.71 370.10 Td (gers, ) Tj ET Q q 0 0 0 rg BT 473.08 370.10 Td (and ) Tj ET Q q 0 0 0 rg BT 489.72 370.10 Td (other ) Tj ET Q q 0 0 0 rg BT 512.47 370.10 Td (matters. ) Tj ET Q q 0 0 0 rg BT 546.45 370.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 91.01 358.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 116.46 358.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 147.46 358.10 Td (restricts ) Tj ET Q q 0 0 0 rg BT 181.80 358.10 Td (our ) Tj ET Q q 0 0 0 rg BT 197.82 358.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 226.05 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 236.52 358.10 Td (make ) Tj ET Q q 0 0 0 rg BT 260.86 358.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 302.43 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 319.55 358.10 Td (distributions ) Tj ET Q q 0 0 0 rg BT 372.24 358.10 Td (unless ) Tj ET Q q 0 0 0 rg BT 399.92 358.10 Td (no ) Tj ET Q q 0 0 0 rg BT 412.61 358.10 Td (event ) Tj ET Q q 0 0 0 rg BT 436.95 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 447.96 358.10 Td (default ) Tj ET Q q 0 0 0 rg BT 478.41 358.10 Td (exists ) Tj ET Q q 0 0 0 rg BT 503.88 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 521.00 358.10 Td (a ) Tj ET Q q 0 0 0 rg BT 528.12 358.10 Td (liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (test ) Tj ET Q q 0 0 0 rg BT 66.17 346.10 Td (is ) Tj ET Q q 0 0 0 rg BT 75.13 346.10 Td (satisfied. ) Tj ET Q q 0 0 0 rg BT 113.24 346.10 Td (Subsidiaries ) Tj ET Q q 0 0 0 rg BT 164.42 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 175.04 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.54 346.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 230.72 346.10 Td (may ) Tj ET Q q 0 0 0 rg BT 250.22 346.10 Td (make ) Tj ET Q q 0 0 0 rg BT 274.16 346.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 315.34 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 332.06 346.10 Td (distributions ) Tj ET Q q 0 0 0 rg BT 384.36 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 394.42 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 408.93 346.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 450.10 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 466.83 346.10 Td (other ) Tj ET Q q 0 0 0 rg BT 489.66 346.10 Td (obligors ) Tj ET Q q 0 0 0 rg BT 524.73 346.10 Td (under ) Tj ET Q q 0 0 0 rg BT 549.78 346.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 91.03 334.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 116.50 334.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 147.52 334.10 Td (without ) Tj ET Q q 0 0 0 rg BT 180.79 334.10 Td (restriction. ) Tj ET Q q 0 0 0 rg BT 226.53 334.10 Td ( ) Tj ET Q q 0 0 0 rg BT 228.64 334.10 Td (As ) Tj ET Q q 0 0 0 rg BT 242.46 334.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.49 334.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 302.30 334.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.30 334.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.50 334.10 Td (we ) Tj ET Q q 0 0 0 rg BT 341.87 334.10 Td (were ) Tj ET Q q 0 0 0 rg BT 364.00 334.10 Td (not ) Tj ET Q q 0 0 0 rg BT 379.49 334.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 419.39 334.10 Td (from ) Tj ET Q q 0 0 0 rg BT 441.54 334.10 Td (making ) Tj ET Q q 0 0 0 rg BT 474.24 334.10 Td (up ) Tj ET Q q 0 0 0 rg BT 486.94 334.10 Td (to ) Tj ET Q q 0 0 0 rg BT 497.43 334.10 Td ($43.5 ) Tj ET Q q 0 0 0 rg BT 522.63 334.10 Td (million ) Tj ET Q q 0 0 0 rg BT 554.23 334.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (distributions ) Tj ET Q q 0 0 0 rg BT 102.15 322.10 Td (related ) Tj ET Q q 0 0 0 rg BT 131.50 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 141.42 322.10 Td (repayments ) Tj ET Q q 0 0 0 rg BT 189.66 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 200.13 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 214.50 322.10 Td (Senior ) Tj ET Q q 0 0 0 rg BT 242.75 322.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 268.22 322.10 Td (as ) Tj ET Q q 0 0 0 rg BT 278.70 322.10 Td (a ) Tj ET Q q 0 0 0 rg BT 285.28 322.10 Td (result ) Tj ET Q q 0 0 0 rg BT 309.65 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 320.12 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 334.48 322.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 374.95 322.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 399.86 322.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 430.33 322.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 478.58 322.10 Td (restrictions, ) Tj ET Q q 0 0 0 rg BT 527.66 322.10 Td (but ) Tj ET Q q 0 0 0 rg BT 542.59 322.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 90.43 310.10 Td (from ) Tj ET Q q 0 0 0 rg BT 113.10 310.10 Td (other ) Tj ET Q q 0 0 0 rg BT 136.87 310.10 Td (distributions ) Tj ET Q q 0 0 0 rg BT 190.11 310.10 Td (as ) Tj ET Q q 0 0 0 rg BT 201.67 310.10 Td (a ) Tj ET Q q 0 0 0 rg BT 209.33 310.10 Td (result ) Tj ET Q q 0 0 0 rg BT 234.78 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 246.34 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 261.79 310.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 303.34 310.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 329.33 310.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 360.88 310.10 Td (restrictions. ) Tj ET Q q 0 0 0 rg BT 410.81 310.10 Td (The ) Tj ET Q q 0 0 0 rg BT 429.59 310.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 471.14 310.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 497.13 310.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 528.68 310.10 Td (contains ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (customary ) Tj ET Q q 0 0 0 rg BT 93.50 298.10 Td (default ) Tj ET Q q 0 0 0 rg BT 123.10 298.10 Td (provisions, ) Tj ET Q q 0 0 0 rg BT 169.12 298.10 Td (which, ) Tj ET Q q 0 0 0 rg BT 197.90 298.10 Td (if ) Tj ET Q q 0 0 0 rg BT 205.85 298.10 Td (triggered, ) Tj ET Q q 0 0 0 rg BT 246.28 298.10 Td (could ) Tj ET Q q 0 0 0 rg BT 270.34 298.10 Td (result ) Tj ET Q q 0 0 0 rg BT 294.40 298.10 Td (in ) Tj ET Q q 0 0 0 rg BT 304.02 298.10 Td (acceleration ) Tj ET Q q 0 0 0 rg BT 354.16 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 364.33 298.10 Td (all ) Tj ET Q q 0 0 0 rg BT 376.17 298.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 411.90 298.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 460.41 298.10 Td (under ) Tj ET Q q 0 0 0 rg BT 485.02 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 499.08 298.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 539.24 298.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (facility) Tj ET Q q 0 0 0 rg BT 77.67 286.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.67 286.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.93 268.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 107.40 268.10 Td (with ) Tj ET Q q 0 0 0 rg BT 127.77 268.10 Td (entering ) Tj ET Q q 0 0 0 rg BT 163.13 268.10 Td (into ) Tj ET Q q 0 0 0 rg BT 181.29 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 195.92 268.10 Td (Third ) Tj ET Q q 0 0 0 rg BT 220.16 268.10 Td (Amendment, ) Tj ET Q q 0 0 0 rg BT 274.69 268.10 Td (we ) Tj ET Q q 0 0 0 rg BT 288.95 268.10 Td (wrote-of) Tj ET Q q 0 0 0 rg BT 323.19 268.10 Td (f ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.12 268.10 Td ($0.3 ) Tj ET Q q 0 0 0 rg BT 349.22 268.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.11 268.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.71 268.10 Td (of ) Tj ET Q q 0 0 0 rg BT 391.64 268.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 411.45 268.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 447.93 268.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 470.52 268.10 Td (for ) Tj ET Q q 0 0 0 rg BT 484.78 268.10 Td (lenders ) Tj ET Q q 0 0 0 rg BT 516.26 268.10 Td (that ) Tj ET Q q 0 0 0 rg BT 533.85 268.10 Td (did ) Tj ET Q q 0 0 0 rg BT 549.22 268.10 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 87.26 256.10 Td (to ) Tj ET Q q 0 0 0 rg BT 97.86 256.10 Td (participate. ) Tj ET Q q 0 0 0 rg BT 145.39 256.10 Td ( ) Tj ET Q q 0 0 0 rg BT 148.01 256.10 Td (W) Tj ET Q q 0 0 0 rg BT 156.65 256.10 Td (e ) Tj ET Q q 0 0 0 rg BT 163.91 256.10 Td (also ) Tj ET Q q 0 0 0 rg BT 182.85 256.10 Td (paid ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.89 256.10 Td ($2.8 ) Tj ET Q q 0 0 0 rg BT 223.22 256.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.11 256.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.93 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.09 256.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 286.13 256.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 322.84 256.10 Td (costs, ) Tj ET Q q 0 0 0 rg BT 348.16 256.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 385.96 256.10 Td (as ) Tj ET Q q 0 0 0 rg BT 397.12 256.10 Td (other ) Tj ET Q q 0 0 0 rg BT 420.49 256.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 449.15 256.10 Td (which ) Tj ET Q q 0 0 0 rg BT 476.41 256.10 Td (are ) Tj ET Q q 0 0 0 rg BT 491.45 256.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 534.25 256.10 Td (ratably ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (over ) Tj ET Q q 0 0 0 rg BT 69.81 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.07 244.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 126.66 244.10 Td (term ) Tj ET Q q 0 0 0 rg BT 147.03 244.10 Td (of ) Tj ET Q q 0 0 0 rg BT 157.40 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 171.66 244.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 212.03 244.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 236.84 244.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 267.20 244.10 Td (along ) Tj ET Q q 0 0 0 rg BT 291.46 244.10 Td (with ) Tj ET Q q 0 0 0 rg BT 311.28 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 325.54 244.10 Td (unamortized ) Tj ET Q q 0 0 0 rg BT 377.57 244.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 396.83 244.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 432.75 244.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 454.79 244.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 497.38 244.10 Td (on ) Tj ET Q q 0 0 0 rg BT 509.42 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.68 244.10 Td (revolving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 75.26 232.10 Td (facility) Tj ET Q q 0 0 0 rg BT 102.93 232.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.43 232.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (Debt ) Tj ET Q q 0 0 0 rg BT 71.42 214.10 Td (Covenants. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.25 214.10 Td (W) Tj ET Q q 0 0 0 rg BT 127.88 214.10 Td (e ) Tj ET Q q 0 0 0 rg BT 134.31 214.10 Td (were ) Tj ET Q q 0 0 0 rg BT 155.72 214.10 Td (in ) Tj ET Q q 0 0 0 rg BT 165.48 214.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 213.55 214.10 Td (with ) Tj ET Q q 0 0 0 rg BT 233.32 214.10 Td (our ) Tj ET Q q 0 0 0 rg BT 248.63 214.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 267.83 214.10 Td (covenants, ) Tj ET Q q 0 0 0 rg BT 312.30 214.10 Td (as ) Tj ET Q q 0 0 0 rg BT 322.61 214.10 Td (amended, ) Tj ET Q q 0 0 0 rg BT 363.19 214.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.39 214.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 420.47 214.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.47 214.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.42 214.10 Td (A) Tj ET Q q 0 0 0 rg BT 454.09 214.10 Td ( ) Tj ET Q q 0 0 0 rg BT 456.08 214.10 Td (summary ) Tj ET Q q 0 0 0 rg BT 495.28 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 505.59 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 519.79 214.10 Td (significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.11 202.10 Td (covenants ) Tj ET Q q 0 0 0 rg BT 129.22 202.10 Td (that ) Tj ET Q q 0 0 0 rg BT 146.34 202.10 Td (govern ) Tj ET Q q 0 0 0 rg BT 176.24 202.10 Td (our ) Tj ET Q q 0 0 0 rg BT 191.70 202.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 232.15 202.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 257.04 202.10 Td (facility) Tj ET Q q 0 0 0 rg BT 284.71 202.10 Td (, ) Tj ET Q q 0 0 0 rg BT 289.34 202.10 Td (as ) Tj ET Q q 0 0 0 rg BT 299.80 202.10 Td (amended, ) Tj ET Q q 0 0 0 rg BT 340.52 202.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 382.07 202.10 Td (to ) Tj ET Q q 0 0 0 rg BT 391.98 202.10 Td (our ) Tj ET Q q 0 0 0 rg BT 407.44 202.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 433.44 202.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 481.66 202.10 Td (status ) Tj ET Q q 0 0 0 rg BT 506.56 202.10 Td (at) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.78 202.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.91 202.10 Td (January31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 190.10 Td ( ) Tj ET Q q 0 0 0 rg BT 72.50 190.10 Td (is ) Tj ET Q q 0 0 0 rg BT 81.67 190.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 122.49 190.10 Td (below: ) Tj ET Q endstream endobj 105 0 obj <>] /Rotate 0 /Contents 106 0 R>> endobj 106 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (51) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 713.50 386.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 713.50 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 713.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 713.50 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 683.50 386.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 683.50 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 683.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 683.50 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 653.50 386.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 653.50 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 653.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 653.50 60.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 713.5 m 496.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 713.5 m 560.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 713.5 m 496.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 713.5 m 560.5 713.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 718.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.80 718.18 Td (Actual) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 510.05 738.18 Td (Requir) Tj ET Q q 0 0 0 rg BT 539.87 738.18 Td (ed) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 507.20 728.18 Td (Minimum/) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 507.75 718.18 Td (Maximum) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 703.17 Td (Interest Coverage Ratio must equal or exceed minimum) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.10 703.17 Td (3.29:1.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.10 703.17 Td (1.25:1.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 688.17 Td (Leverage Ratio must not exceed maximum) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.10 688.17 Td (2.46:1.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.10 688.17 Td (4.00:1.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 673.17 Td (ABS Excluded Leverage Ratio must not exceed maximum) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.10 673.17 Td (1.09:1.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.10 673.17 Td (2.00:1.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 658.17 Td (Cash Recovery Percent must exceed stated amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.05 658.17 Td (4.80%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.05 658.17 Td (4.20%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 643.17 Td (Capital Expenditures, net, must not exceed maximum) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.55 643.17 Td ($9.8 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.05 643.17 Td ($75.0 million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 621.00 Td (All ) Tj ET Q q 0 0 0 rg BT 64.85 621.00 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 110.23 621.00 Td (terms ) Tj ET Q q 0 0 0 rg BT 134.52 621.00 Td (in ) Tj ET Q q 0 0 0 rg BT 144.38 621.00 Td (the ) Tj ET Q q 0 0 0 rg BT 158.67 621.00 Td (above ) Tj ET Q q 0 0 0 rg BT 184.62 621.00 Td (table ) Tj ET Q q 0 0 0 rg BT 206.13 621.00 Td (are ) Tj ET Q q 0 0 0 rg BT 220.41 621.00 Td (defined ) Tj ET Q q 0 0 0 rg BT 252.47 621.00 Td (by ) Tj ET Q q 0 0 0 rg BT 264.54 621.00 Td (the ) Tj ET Q q 0 0 0 rg BT 278.83 621.00 Td (revolving ) Tj ET Q q 0 0 0 rg BT 319.23 621.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 344.07 621.00 Td (facility) Tj ET Q q 0 0 0 rg BT 371.74 621.00 Td (, ) Tj ET Q q 0 0 0 rg BT 376.31 621.00 Td (as ) Tj ET Q q 0 0 0 rg BT 386.72 621.00 Td (amended, ) Tj ET Q q 0 0 0 rg BT 427.39 621.00 Td (and ) Tj ET Q q 0 0 0 rg BT 443.90 621.00 Td (may ) Tj ET Q q 0 0 0 rg BT 463.19 621.00 Td (or ) Tj ET Q q 0 0 0 rg BT 473.59 621.00 Td (may ) Tj ET Q q 0 0 0 rg BT 492.89 621.00 Td (not ) Tj ET Q q 0 0 0 rg BT 507.74 621.00 Td (agree ) Tj ET Q q 0 0 0 rg BT 531.46 621.00 Td (directly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 609.00 Td (to ) Tj ET Q q 0 0 0 rg BT 59.69 609.00 Td (the ) Tj ET Q q 0 0 0 rg BT 73.82 609.00 Td (financial ) Tj ET Q q 0 0 0 rg BT 110.71 609.00 Td (statement ) Tj ET Q q 0 0 0 rg BT 150.94 609.00 Td (captions ) Tj ET Q q 0 0 0 rg BT 186.17 609.00 Td (in ) Tj ET Q q 0 0 0 rg BT 195.86 609.00 Td (this ) Tj ET Q q 0 0 0 rg BT 212.22 609.00 Td (document. ) Tj ET Q q 0 0 0 rg BT 255.93 609.00 Td (The ) Tj ET Q q 0 0 0 rg BT 273.39 609.00 Td (covenants ) Tj ET Q q 0 0 0 rg BT 315.28 609.00 Td (are ) Tj ET Q q 0 0 0 rg BT 329.40 609.00 Td (calculated ) Tj ET Q q 0 0 0 rg BT 371.84 609.00 Td (quarterly) Tj ET Q q 0 0 0 rg BT 407.28 609.00 Td (, ) Tj ET Q q 0 0 0 rg BT 411.69 609.00 Td (except ) Tj ET Q q 0 0 0 rg BT 439.70 609.00 Td (for ) Tj ET Q q 0 0 0 rg BT 453.27 609.00 Td (the ) Tj ET Q q 0 0 0 rg BT 467.40 609.00 Td (Cash ) Tj ET Q q 0 0 0 rg BT 489.31 609.00 Td (Recovery ) Tj ET Q q 0 0 0 rg BT 529.53 609.00 Td (Percent, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 597.00 Td (which ) Tj ET Q q 0 0 0 rg BT 77.36 597.00 Td (is ) Tj ET Q q 0 0 0 rg BT 86.95 597.00 Td (calculated ) Tj ET Q q 0 0 0 rg BT 130.40 597.00 Td (monthly ) Tj ET Q q 0 0 0 rg BT 166.65 597.00 Td (on ) Tj ET Q q 0 0 0 rg BT 179.57 597.00 Td (a ) Tj ET Q q 0 0 0 rg BT 186.93 597.00 Td (trailing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.81 597.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.73 597.00 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.72 597.00 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.05 597.00 Td (month ) Tj ET Q q 0 0 0 rg BT 270.52 597.00 Td (basis, ) Tj ET Q q 0 0 0 rg BT 295.94 597.00 Td (and ) Tj ET Q q 0 0 0 rg BT 313.30 597.00 Td (Capital ) Tj ET Q q 0 0 0 rg BT 345.10 597.00 Td (Expenditures, ) Tj ET Q q 0 0 0 rg BT 403.29 597.00 Td (which ) Tj ET Q q 0 0 0 rg BT 430.64 597.00 Td (is ) Tj ET Q q 0 0 0 rg BT 440.23 597.00 Td (calculated ) Tj ET Q q 0 0 0 rg BT 483.68 597.00 Td (for ) Tj ET Q q 0 0 0 rg BT 498.26 597.00 Td (a ) Tj ET Q q 0 0 0 rg BT 505.62 597.00 Td (period ) Tj ET Q q 0 0 0 rg BT 534.09 597.00 Td (of ) Tj ET Q q 0 0 0 rg BT 545.34 597.00 Td (four ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 585.00 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 99.70 585.00 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 123.86 585.00 Td (quarters, ) Tj ET Q q 0 0 0 rg BT 161.06 585.00 Td (as ) Tj ET Q q 0 0 0 rg BT 171.89 585.00 Td (of ) Tj ET Q q 0 0 0 rg BT 182.72 585.00 Td (the ) Tj ET Q q 0 0 0 rg BT 197.44 585.00 Td (end ) Tj ET Q q 0 0 0 rg BT 214.38 585.00 Td (of ) Tj ET Q q 0 0 0 rg BT 225.21 585.00 Td (each ) Tj ET Q q 0 0 0 rg BT 246.03 585.00 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 270.18 585.00 Td (quarter) Tj ET Q q 0 0 0 rg BT 297.94 585.00 Td (.) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 567.00 Td (Capital ) Tj ET Q q 0 0 0 rg BT 81.81 567.00 Td (expenditures. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.40 567.00 Td (W) Tj ET Q q 0 0 0 rg BT 150.04 567.00 Td (e ) Tj ET Q q 0 0 0 rg BT 156.28 567.00 Td (lease ) Tj ET Q q 0 0 0 rg BT 178.08 567.00 Td (the ) Tj ET Q q 0 0 0 rg BT 192.10 567.00 Td (majority ) Tj ET Q q 0 0 0 rg BT 227.79 567.00 Td (of ) Tj ET Q q 0 0 0 rg BT 237.93 567.00 Td (our ) Tj ET Q q 0 0 0 rg BT 253.07 567.00 Td (stores ) Tj ET Q q 0 0 0 rg BT 278.21 567.00 Td (under ) Tj ET Q q 0 0 0 rg BT 302.78 567.00 Td (operating ) Tj ET Q q 0 0 0 rg BT 342.35 567.00 Td (leases, ) Tj ET Q q 0 0 0 rg BT 370.54 567.00 Td (and ) Tj ET Q q 0 0 0 rg BT 386.79 567.00 Td (our ) Tj ET Q q 0 0 0 rg BT 401.92 567.00 Td (plans ) Tj ET Q q 0 0 0 rg BT 424.84 567.00 Td (for ) Tj ET Q q 0 0 0 rg BT 438.31 567.00 Td (future ) Tj ET Q q 0 0 0 rg BT 463.99 567.00 Td (store ) Tj ET Q q 0 0 0 rg BT 485.24 567.00 Td (locations ) Tj ET Q q 0 0 0 rg BT 523.15 567.00 Td (anticipate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 555.00 Td (operating ) Tj ET Q q 0 0 0 rg BT 90.01 555.00 Td (leases ) Tj ET Q q 0 0 0 rg BT 116.14 555.00 Td (under ) Tj ET Q q 0 0 0 rg BT 141.15 555.00 Td (existing ) Tj ET Q q 0 0 0 rg BT 175.07 555.00 Td (GAAP) Tj ET Q q 0 0 0 rg BT 201.19 555.00 Td (, ) Tj ET Q q 0 0 0 rg BT 205.94 555.00 Td (but ) Tj ET Q q 0 0 0 rg BT 220.96 555.00 Td (do ) Tj ET Q q 0 0 0 rg BT 233.21 555.00 Td (not ) Tj ET Q q 0 0 0 rg BT 248.24 555.00 Td (exclude ) Tj ET Q q 0 0 0 rg BT 281.58 555.00 Td (store ) Tj ET Q q 0 0 0 rg BT 303.27 555.00 Td (ownership. ) Tj ET Q q 0 0 0 rg BT 349.68 555.00 Td (Our ) Tj ET Q q 0 0 0 rg BT 367.48 555.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 396.37 555.00 Td (expenditures ) Tj ET Q q 0 0 0 rg BT 449.72 555.00 Td (for ) Tj ET Q q 0 0 0 rg BT 463.63 555.00 Td (future ) Tj ET Q q 0 0 0 rg BT 489.75 555.00 Td (new ) Tj ET Q q 0 0 0 rg BT 508.66 555.00 Td (store ) Tj ET Q q 0 0 0 rg BT 530.35 555.00 Td (projects ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 543.00 Td (should ) Tj ET Q q 0 0 0 rg BT 79.54 543.00 Td (primarily ) Tj ET Q q 0 0 0 rg BT 119.62 543.00 Td (be ) Tj ET Q q 0 0 0 rg BT 131.93 543.00 Td (for ) Tj ET Q q 0 0 0 rg BT 146.46 543.00 Td (our ) Tj ET Q q 0 0 0 rg BT 162.67 543.00 Td (tenant ) Tj ET Q q 0 0 0 rg BT 189.97 543.00 Td (improvements ) Tj ET Q q 0 0 0 rg BT 250.05 543.00 Td (to ) Tj ET Q q 0 0 0 rg BT 260.70 543.00 Td (the ) Tj ET Q q 0 0 0 rg BT 275.79 543.00 Td (property ) Tj ET Q q 0 0 0 rg BT 312.54 543.00 Td (leased ) Tj ET Q q 0 0 0 rg BT 340.40 543.00 Td (\(including ) Tj ET Q q 0 0 0 rg BT 384.37 543.00 Td (any ) Tj ET Q q 0 0 0 rg BT 401.68 543.00 Td (new ) Tj ET Q q 0 0 0 rg BT 421.21 543.00 Td (distribution ) Tj ET Q q 0 0 0 rg BT 470.20 543.00 Td (centers ) Tj ET Q q 0 0 0 rg BT 501.38 543.00 Td (and ) Tj ET Q q 0 0 0 rg BT 518.69 543.00 Td (cross-dock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 531.00 Td (facilities\), ) Tj ET Q q 0 0 0 rg BT 93.89 531.00 Td (the ) Tj ET Q q 0 0 0 rg BT 109.75 531.00 Td (cost ) Tj ET Q q 0 0 0 rg BT 129.49 531.00 Td (of ) Tj ET Q q 0 0 0 rg BT 141.46 531.00 Td (which ) Tj ET Q q 0 0 0 rg BT 169.53 531.00 Td (is ) Tj ET Q q 0 0 0 rg BT 179.83 531.00 Td (estimated ) Tj ET Q q 0 0 0 rg BT 221.79 531.00 Td (to ) Tj ET Q q 0 0 0 rg BT 233.20 531.00 Td (be ) Tj ET Q q 0 0 0 rg BT 246.28 531.00 Td (between ) Tj ET Q q 0 0 0 rg BT 283.23 531.00 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 304.36 531.00 Td (million ) Tj ET Q q 0 0 0 rg BT 336.89 531.00 Td (and ) Tj ET Q q 0 0 0 rg BT 354.96 531.00 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 376.10 531.00 Td (million ) Tj ET Q q 0 0 0 rg BT 408.63 531.00 Td (per ) Tj ET Q q 0 0 0 rg BT 425.03 531.00 Td (store ) Tj ET Q q 0 0 0 rg BT 448.10 531.00 Td (\(before ) Tj ET Q q 0 0 0 rg BT 480.61 531.00 Td (tenant ) Tj ET Q q 0 0 0 rg BT 508.67 531.00 Td (improvement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 519.00 Td (allowances\), ) Tj ET Q q 0 0 0 rg BT 103.49 519.00 Td (and ) Tj ET Q q 0 0 0 rg BT 121.17 519.00 Td (for ) Tj ET Q q 0 0 0 rg BT 136.06 519.00 Td (our ) Tj ET Q q 0 0 0 rg BT 152.63 519.00 Td (existing ) Tj ET Q q 0 0 0 rg BT 187.53 519.00 Td (store ) Tj ET Q q 0 0 0 rg BT 210.20 519.00 Td (remodels, ) Tj ET Q q 0 0 0 rg BT 252.60 519.00 Td (estimated ) Tj ET Q q 0 0 0 rg BT 294.15 519.00 Td (to ) Tj ET Q q 0 0 0 rg BT 305.17 519.00 Td (range ) Tj ET Q q 0 0 0 rg BT 330.61 519.00 Td (between ) Tj ET Q q 0 0 0 rg BT 367.16 519.00 Td ($0.5 ) Tj ET Q q 0 0 0 rg BT 387.90 519.00 Td (million ) Tj ET Q q 0 0 0 rg BT 420.03 519.00 Td (and ) Tj ET Q q 0 0 0 rg BT 437.70 519.00 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 458.44 519.00 Td (million ) Tj ET Q q 0 0 0 rg BT 490.57 519.00 Td (per ) Tj ET Q q 0 0 0 rg BT 506.57 519.00 Td (store ) Tj ET Q q 0 0 0 rg BT 529.25 519.00 Td (remodel ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 507.00 Td (\(before ) Tj ET Q q 0 0 0 rg BT 82.54 507.00 Td (tenant ) Tj ET Q q 0 0 0 rg BT 110.65 507.00 Td (improvement ) Tj ET Q q 0 0 0 rg BT 167.64 507.00 Td (allowances\), ) Tj ET Q q 0 0 0 rg BT 221.57 507.00 Td (depending ) Tj ET Q q 0 0 0 rg BT 266.90 507.00 Td (on ) Tj ET Q q 0 0 0 rg BT 280.58 507.00 Td (store ) Tj ET Q q 0 0 0 rg BT 303.69 507.00 Td (size. ) Tj ET Q q 0 0 0 rg BT 325.41 507.00 Td ( ) Tj ET Q q 0 0 0 rg BT 329.08 507.00 Td (In ) Tj ET Q q 0 0 0 rg BT 341.09 507.00 Td (the ) Tj ET Q q 0 0 0 rg BT 356.98 507.00 Td (event ) Tj ET Q q 0 0 0 rg BT 382.31 507.00 Td (we ) Tj ET Q q 0 0 0 rg BT 397.64 507.00 Td (purchase ) Tj ET Q q 0 0 0 rg BT 436.86 507.00 Td (existing ) Tj ET Q q 0 0 0 rg BT 472.19 507.00 Td (properties, ) Tj ET Q q 0 0 0 rg BT 518.35 507.00 Td (our ) Tj ET Q q 0 0 0 rg BT 535.36 507.00 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 495.00 Td (expenditures ) Tj ET Q q 0 0 0 rg BT 103.51 495.00 Td (will ) Tj ET Q q 0 0 0 rg BT 121.47 495.00 Td (depend ) Tj ET Q q 0 0 0 rg BT 152.76 495.00 Td (on ) Tj ET Q q 0 0 0 rg BT 165.18 495.00 Td (the ) Tj ET Q q 0 0 0 rg BT 179.80 495.00 Td (particular ) Tj ET Q q 0 0 0 rg BT 220.53 495.00 Td (property ) Tj ET Q q 0 0 0 rg BT 256.82 495.00 Td (and ) Tj ET Q q 0 0 0 rg BT 273.67 495.00 Td (whether ) Tj ET Q q 0 0 0 rg BT 308.29 495.00 Td (it ) Tj ET Q q 0 0 0 rg BT 316.25 495.00 Td (is ) Tj ET Q q 0 0 0 rg BT 325.34 495.00 Td (improved ) Tj ET Q q 0 0 0 rg BT 366.07 495.00 Td (when ) Tj ET Q q 0 0 0 rg BT 390.15 495.00 Td (purchased. ) Tj ET Q q 0 0 0 rg BT 435.60 495.00 Td ( ) Tj ET Q q 0 0 0 rg BT 437.83 495.00 Td (W) Tj ET Q q 0 0 0 rg BT 446.47 495.00 Td (e ) Tj ET Q q 0 0 0 rg BT 453.32 495.00 Td (are ) Tj ET Q q 0 0 0 rg BT 467.94 495.00 Td (continuously ) Tj ET Q q 0 0 0 rg BT 522.02 495.00 Td (reviewing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 483.00 Td (new ) Tj ET Q q 0 0 0 rg BT 69.35 483.00 Td (relationships ) Tj ET Q q 0 0 0 rg BT 123.14 483.00 Td (and ) Tj ET Q q 0 0 0 rg BT 140.26 483.00 Td (funding ) Tj ET Q q 0 0 0 rg BT 174.06 483.00 Td (sources ) Tj ET Q q 0 0 0 rg BT 206.74 483.00 Td (and ) Tj ET Q q 0 0 0 rg BT 223.86 483.00 Td (alternatives ) Tj ET Q q 0 0 0 rg BT 272.64 483.00 Td (for ) Tj ET Q q 0 0 0 rg BT 286.98 483.00 Td (new ) Tj ET Q q 0 0 0 rg BT 306.33 483.00 Td (stores, ) Tj ET Q q 0 0 0 rg BT 334.85 483.00 Td (which ) Tj ET Q q 0 0 0 rg BT 361.97 483.00 Td (may ) Tj ET Q q 0 0 0 rg BT 381.88 483.00 Td (include ) Tj ET Q q 0 0 0 rg BT 414.00 483.00 Td ("sale-leaseback" ) Tj ET Q q 0 0 0 rg BT 482.59 483.00 Td (or ) Tj ET Q q 0 0 0 rg BT 493.61 483.00 Td (direct ) Tj ET Q q 0 0 0 rg BT 519.06 483.00 Td ("purchase-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 471.00 Td (lease" ) Tj ET Q q 0 0 0 rg BT 76.58 471.00 Td (programs, ) Tj ET Q q 0 0 0 rg BT 119.36 471.00 Td (as ) Tj ET Q q 0 0 0 rg BT 130.21 471.00 Td (well ) Tj ET Q q 0 0 0 rg BT 149.94 471.00 Td (as ) Tj ET Q q 0 0 0 rg BT 160.78 471.00 Td (other ) Tj ET Q q 0 0 0 rg BT 183.84 471.00 Td (funding ) Tj ET Q q 0 0 0 rg BT 217.46 471.00 Td (sources ) Tj ET Q q 0 0 0 rg BT 249.97 471.00 Td (for ) Tj ET Q q 0 0 0 rg BT 264.14 471.00 Td (our ) Tj ET Q q 0 0 0 rg BT 279.99 471.00 Td (purchase ) Tj ET Q q 0 0 0 rg BT 318.04 471.00 Td (and ) Tj ET Q q 0 0 0 rg BT 334.99 471.00 Td (construction ) Tj ET Q q 0 0 0 rg BT 386.94 471.00 Td (of ) Tj ET Q q 0 0 0 rg BT 397.78 471.00 Td (those ) Tj ET Q q 0 0 0 rg BT 421.40 471.00 Td (projects. ) Tj ET Q q 0 0 0 rg BT 458.07 471.00 Td ( ) Tj ET Q q 0 0 0 rg BT 460.58 471.00 Td (If ) Tj ET Q q 0 0 0 rg BT 469.76 471.00 Td (we ) Tj ET Q q 0 0 0 rg BT 483.93 471.00 Td (do ) Tj ET Q q 0 0 0 rg BT 496.45 471.00 Td (not ) Tj ET Q q 0 0 0 rg BT 511.74 471.00 Td (purchase ) Tj ET Q q 0 0 0 rg BT 549.79 471.00 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 459.00 Td (real ) Tj ET Q q 0 0 0 rg BT 67.16 459.00 Td (property ) Tj ET Q q 0 0 0 rg BT 103.21 459.00 Td (for ) Tj ET Q q 0 0 0 rg BT 117.05 459.00 Td (new ) Tj ET Q q 0 0 0 rg BT 135.88 459.00 Td (stores, ) Tj ET Q q 0 0 0 rg BT 163.89 459.00 Td (our ) Tj ET Q q 0 0 0 rg BT 179.39 459.00 Td (direct ) Tj ET Q q 0 0 0 rg BT 204.33 459.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 224.28 459.00 Td (needs ) Tj ET Q q 0 0 0 rg BT 249.22 459.00 Td (should ) Tj ET Q q 0 0 0 rg BT 278.07 459.00 Td (include ) Tj ET Q q 0 0 0 rg BT 309.68 459.00 Td (only ) Tj ET Q q 0 0 0 rg BT 329.63 459.00 Td (our ) Tj ET Q q 0 0 0 rg BT 345.13 459.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 373.96 459.00 Td (expenditures ) Tj ET Q q 0 0 0 rg BT 427.23 459.00 Td (for ) Tj ET Q q 0 0 0 rg BT 441.06 459.00 Td (tenant ) Tj ET Q q 0 0 0 rg BT 467.67 459.00 Td (improvements ) Tj ET Q q 0 0 0 rg BT 527.06 459.00 Td (to ) Tj ET Q q 0 0 0 rg BT 537.01 459.00 Td (leased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 447.00 Td (properties ) Tj ET Q q 0 0 0 rg BT 92.36 447.00 Td (and ) Tj ET Q q 0 0 0 rg BT 109.18 447.00 Td (our ) Tj ET Q q 0 0 0 rg BT 124.89 447.00 Td (remodel ) Tj ET Q q 0 0 0 rg BT 160.04 447.00 Td (programs ) Tj ET Q q 0 0 0 rg BT 200.18 447.00 Td (for ) Tj ET Q q 0 0 0 rg BT 214.22 447.00 Td (existing ) Tj ET Q q 0 0 0 rg BT 248.27 447.00 Td (stores. ) Tj ET Q q 0 0 0 rg BT 276.48 447.00 Td ( ) Tj ET Q q 0 0 0 rg BT 278.68 447.00 Td (W) Tj ET Q q 0 0 0 rg BT 287.32 447.00 Td (e ) Tj ET Q q 0 0 0 rg BT 294.14 447.00 Td (opened ) Tj ET Q q 0 0 0 rg BT 325.40 447.00 Td (three ) Tj ET Q q 0 0 0 rg BT 347.76 447.00 Td (new ) Tj ET Q q 0 0 0 rg BT 366.80 447.00 Td (stores ) Tj ET Q q 0 0 0 rg BT 392.51 447.00 Td (during ) Tj ET Q q 0 0 0 rg BT 421.00 447.00 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 445.03 447.00 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.62 447.00 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.62 447.00 Td (, ) Tj ET Q q 0 0 0 rg BT 489.50 447.00 Td (and ) Tj ET Q q 0 0 0 rg BT 506.32 447.00 Td (currently ) Tj ET Q q 0 0 0 rg BT 544.79 447.00 Td (plan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 435.00 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 435.00 Td (open ) Tj ET Q q 0 0 0 rg BT 82.22 435.00 Td (five ) Tj ET Q q 0 0 0 rg BT 100.27 435.00 Td (to ) Tj ET Q q 0 0 0 rg BT 110.55 435.00 Td (nine ) Tj ET Q q 0 0 0 rg BT 130.27 435.00 Td (new ) Tj ET Q q 0 0 0 rg BT 149.43 435.00 Td (stores ) Tj ET Q q 0 0 0 rg BT 175.26 435.00 Td (during ) Tj ET Q q 0 0 0 rg BT 203.87 435.00 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 228.03 435.00 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.73 435.00 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.73 435.00 Td (. ) Tj ET Q q 0 0 0 rg BT 272.18 435.00 Td (Additionally) Tj ET Q q 0 0 0 rg BT 322.09 435.00 Td (, ) Tj ET Q q 0 0 0 rg BT 327.09 435.00 Td (we ) Tj ET Q q 0 0 0 rg BT 341.25 435.00 Td (plan ) Tj ET Q q 0 0 0 rg BT 360.97 435.00 Td (to ) Tj ET Q q 0 0 0 rg BT 371.25 435.00 Td (upgrade ) Tj ET Q q 0 0 0 rg BT 405.96 435.00 Td (several ) Tj ET Q q 0 0 0 rg BT 436.77 435.00 Td (of ) Tj ET Q q 0 0 0 rg BT 447.60 435.00 Td (our ) Tj ET Q q 0 0 0 rg BT 463.44 435.00 Td (facilities ) Tj ET Q q 0 0 0 rg BT 500.37 435.00 Td (and ) Tj ET Q q 0 0 0 rg BT 517.31 435.00 Td (continue ) Tj ET Q q 0 0 0 rg BT 554.24 435.00 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 423.00 Td (enhance ) Tj ET Q q 0 0 0 rg BT 85.64 423.00 Td (our ) Tj ET Q q 0 0 0 rg BT 101.86 423.00 Td (IT) Tj ET Q q 0 0 0 rg BT 111.12 423.00 Td ( ) Tj ET Q q 0 0 0 rg BT 114.01 423.00 Td (systems ) Tj ET Q q 0 0 0 rg BT 148.56 423.00 Td (during ) Tj ET Q q 0 0 0 rg BT 177.56 423.00 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 202.10 423.00 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.20 423.00 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.20 423.00 Td (. ) Tj ET Q q 0 0 0 rg BT 247.59 423.00 Td (Our ) Tj ET Q q 0 0 0 rg BT 266.03 423.00 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 312.78 423.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 342.32 423.00 Td (expenditures ) Tj ET Q q 0 0 0 rg BT 396.30 423.00 Td (for ) Tj ET Q q 0 0 0 rg BT 410.85 423.00 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 435.40 423.00 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.49 423.00 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.49 423.00 Td ( ) Tj ET Q q 0 0 0 rg BT 478.38 423.00 Td (are ) Tj ET Q q 0 0 0 rg BT 493.47 423.00 Td (between ) Tj ET Q q 0 0 0 rg BT 529.68 423.00 Td ($30 ) Tj ET Q q 0 0 0 rg BT 547.57 423.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 411.00 Td ($35 ) Tj ET Q q 0 0 0 rg BT 67.50 411.00 Td (million. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 393.00 Td (Cash Flow) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 375.00 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 375.00 Td (e ) Tj ET Q q 0 0 0 rg BT 66.91 375.00 Td (periodically ) Tj ET Q q 0 0 0 rg BT 118.50 375.00 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 155.64 375.00 Td (our ) Tj ET Q q 0 0 0 rg BT 172.80 375.00 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 210.52 375.00 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 269.06 375.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 299.54 375.00 Td (needs ) Tj ET Q q 0 0 0 rg BT 326.14 375.00 Td (and ) Tj ET Q q 0 0 0 rg BT 344.41 375.00 Td (availability ) Tj ET Q q 0 0 0 rg BT 393.23 375.00 Td (of ) Tj ET Q q 0 0 0 rg BT 405.39 375.00 Td (resources ) Tj ET Q q 0 0 0 rg BT 446.98 375.00 Td (in ) Tj ET Q q 0 0 0 rg BT 458.59 375.00 Td (view ) Tj ET Q q 0 0 0 rg BT 481.86 375.00 Td (of ) Tj ET Q q 0 0 0 rg BT 494.02 375.00 Td (inventory ) Tj ET Q q 0 0 0 rg BT 536.18 375.00 Td (levels, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 363.00 Td (expansion ) Tj ET Q q 0 0 0 rg BT 91.96 363.00 Td (plans, ) Tj ET Q q 0 0 0 rg BT 116.99 363.00 Td (debt ) Tj ET Q q 0 0 0 rg BT 135.62 363.00 Td (service ) Tj ET Q q 0 0 0 rg BT 165.35 363.00 Td (requirements ) Tj ET Q q 0 0 0 rg BT 218.96 363.00 Td (and ) Tj ET Q q 0 0 0 rg BT 234.82 363.00 Td (other ) Tj ET Q q 0 0 0 rg BT 256.78 363.00 Td (operating ) Tj ET Q q 0 0 0 rg BT 295.96 363.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 315.14 363.00 Td (needs. ) Tj ET Q q 0 0 0 rg BT 341.83 363.00 Td ( ) Tj ET Q q 0 0 0 rg BT 343.14 363.00 Td (T) Tj ET Q q 0 0 0 rg BT 348.55 363.00 Td (o ) Tj ET Q q 0 0 0 rg BT 354.96 363.00 Td (meet ) Tj ET Q q 0 0 0 rg BT 375.81 363.00 Td (our ) Tj ET Q q 0 0 0 rg BT 390.56 363.00 Td (short- ) Tj ET Q q 0 0 0 rg BT 415.30 363.00 Td (and ) Tj ET Q q 0 0 0 rg BT 431.16 363.00 Td (long-term ) Tj ET Q q 0 0 0 rg BT 472.00 363.00 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 507.31 363.00 Td (requirements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 351.00 Td (including ) Tj ET Q q 0 0 0 rg BT 90.09 351.00 Td (payment ) Tj ET Q q 0 0 0 rg BT 126.83 351.00 Td (of ) Tj ET Q q 0 0 0 rg BT 137.47 351.00 Td (operating ) Tj ET Q q 0 0 0 rg BT 177.55 351.00 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 218.46 351.00 Td (funding ) Tj ET Q q 0 0 0 rg BT 251.88 351.00 Td (of ) Tj ET Q q 0 0 0 rg BT 262.52 351.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 291.48 351.00 Td (expenditures ) Tj ET Q q 0 0 0 rg BT 344.89 351.00 Td (and ) Tj ET Q q 0 0 0 rg BT 361.64 351.00 Td (repayment ) Tj ET Q q 0 0 0 rg BT 406.15 351.00 Td (of ) Tj ET Q q 0 0 0 rg BT 416.80 351.00 Td (debt, ) Tj ET Q q 0 0 0 rg BT 438.83 351.00 Td (we ) Tj ET Q q 0 0 0 rg BT 452.80 351.00 Td (rely ) Tj ET Q q 0 0 0 rg BT 470.66 351.00 Td (primarily ) Tj ET Q q 0 0 0 rg BT 510.18 351.00 Td (on ) Tj ET Q q 0 0 0 rg BT 522.49 351.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 542.57 351.00 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 339.00 Td (operations. ) Tj ET Q q 0 0 0 rg BT 96.32 339.00 Td ( ) Tj ET Q q 0 0 0 rg BT 98.02 339.00 Td (As ) Tj ET Q q 0 0 0 rg BT 111.30 339.00 Td (of ) Tj ET Q q 0 0 0 rg BT 121.80 339.00 Td (January ) Tj ET Q q 0 0 0 rg BT 155.07 339.00 Td (31, ) Tj ET Q q 0 0 0 rg BT 169.73 339.00 Td (2018, ) Tj ET Q q 0 0 0 rg BT 194.40 339.00 Td (beyond ) Tj ET Q q 0 0 0 rg BT 226.01 339.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 245.95 339.00 Td (generated ) Tj ET Q q 0 0 0 rg BT 286.98 339.00 Td (from ) Tj ET Q q 0 0 0 rg BT 308.59 339.00 Td (operations ) Tj ET Q q 0 0 0 rg BT 352.41 339.00 Td (we ) Tj ET Q q 0 0 0 rg BT 366.24 339.00 Td (had ) Tj ET Q q 0 0 0 rg BT 382.85 339.00 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 394.46 339.00 Td (immediately ) Tj ET Q q 0 0 0 rg BT 446.61 339.00 Td (available ) Tj ET Q q 0 0 0 rg BT 484.87 339.00 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 528.70 339.00 Td (capacity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 327.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.37 327.00 Td ($207.6 ) Tj ET Q q 0 0 0 rg BT 91.91 327.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.80 327.00 Td ( ) Tj ET Q q 0 0 0 rg BT 123.84 327.00 Td (under ) Tj ET Q q 0 0 0 rg BT 149.65 327.00 Td (our ) Tj ET Q q 0 0 0 rg BT 166.03 327.00 Td (revolving ) Tj ET Q q 0 0 0 rg BT 207.39 327.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 233.20 327.00 Td (facility) Tj ET Q q 0 0 0 rg BT 260.87 327.00 Td (, ) Tj ET Q q 0 0 0 rg BT 266.41 327.00 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.67 327.00 Td ($462.6 ) Tj ET Q q 0 0 0 rg BT 312.21 327.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.10 327.00 Td ( ) Tj ET Q q 0 0 0 rg BT 344.14 327.00 Td (that ) Tj ET Q q 0 0 0 rg BT 362.18 327.00 Td (may ) Tj ET Q q 0 0 0 rg BT 382.43 327.00 Td (become ) Tj ET Q q 0 0 0 rg BT 416.57 327.00 Td (available ) Tj ET Q q 0 0 0 rg BT 455.70 327.00 Td (under ) Tj ET Q q 0 0 0 rg BT 481.51 327.00 Td (our ) Tj ET Q q 0 0 0 rg BT 497.88 327.00 Td (revolving ) Tj ET Q q 0 0 0 rg BT 539.25 327.00 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 315.00 Td (facility ) Tj ET Q q 0 0 0 rg BT 80.83 315.00 Td (if ) Tj ET Q q 0 0 0 rg BT 89.45 315.00 Td (we ) Tj ET Q q 0 0 0 rg BT 103.63 315.00 Td (grow ) Tj ET Q q 0 0 0 rg BT 126.69 315.00 Td (the ) Tj ET Q q 0 0 0 rg BT 141.42 315.00 Td (balance ) Tj ET Q q 0 0 0 rg BT 174.46 315.00 Td (of ) Tj ET Q q 0 0 0 rg BT 185.31 315.00 Td (eligible ) Tj ET Q q 0 0 0 rg BT 217.81 315.00 Td (customer ) Tj ET Q q 0 0 0 rg BT 256.98 315.00 Td (receivables ) Tj ET Q q 0 0 0 rg BT 304.46 315.00 Td (and ) Tj ET Q q 0 0 0 rg BT 321.41 315.00 Td (our ) Tj ET Q q 0 0 0 rg BT 337.25 315.00 Td (total ) Tj ET Q q 0 0 0 rg BT 357.54 315.00 Td (eligible ) Tj ET Q q 0 0 0 rg BT 390.04 315.00 Td (inventory ) Tj ET Q q 0 0 0 rg BT 430.88 315.00 Td (balances ) Tj ET Q q 0 0 0 rg BT 467.81 315.00 Td (and ) Tj ET Q q 0 0 0 rg BT 484.76 315.00 Td (\(iii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.27 315.00 Td ($9.3 ) Tj ET Q q 0 0 0 rg BT 522.28 315.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.17 315.00 Td ( ) Tj ET Q q 0 0 0 rg BT 553.69 315.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 303.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 70.27 303.00 Td (on ) Tj ET Q q 0 0 0 rg BT 82.77 303.00 Td (hand. ) Tj ET Q q 0 0 0 rg BT 107.21 303.00 Td (However) Tj ET Q q 0 0 0 rg BT 143.46 303.00 Td (, ) Tj ET Q q 0 0 0 rg BT 148.46 303.00 Td (we ) Tj ET Q q 0 0 0 rg BT 162.62 303.00 Td (have, ) Tj ET Q q 0 0 0 rg BT 186.49 303.00 Td (in ) Tj ET Q q 0 0 0 rg BT 196.77 303.00 Td (the ) Tj ET Q q 0 0 0 rg BT 211.49 303.00 Td (past, ) Tj ET Q q 0 0 0 rg BT 232.60 303.00 Td (sought ) Tj ET Q q 0 0 0 rg BT 261.77 303.00 Td (to ) Tj ET Q q 0 0 0 rg BT 272.05 303.00 Td (raise ) Tj ET Q q 0 0 0 rg BT 293.42 303.00 Td (additional ) Tj ET Q q 0 0 0 rg BT 335.91 303.00 Td (capital.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 285.00 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 285.00 Td (e ) Tj ET Q q 0 0 0 rg BT 64.74 285.00 Td (expect ) Tj ET Q q 0 0 0 rg BT 92.50 285.00 Td (that, ) Tj ET Q q 0 0 0 rg BT 111.66 285.00 Td (for ) Tj ET Q q 0 0 0 rg BT 124.98 285.00 Td (the ) Tj ET Q q 0 0 0 rg BT 138.86 285.00 Td (next ) Tj ET Q q 0 0 0 rg BT 157.74 285.00 Td (12 ) Tj ET Q q 0 0 0 rg BT 169.41 285.00 Td (months, ) Tj ET Q q 0 0 0 rg BT 203.02 285.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 222.45 285.00 Td (generated ) Tj ET Q q 0 0 0 rg BT 262.98 285.00 Td (from ) Tj ET Q q 0 0 0 rg BT 284.08 285.00 Td (operations, ) Tj ET Q q 0 0 0 rg BT 329.90 285.00 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 367.10 285.00 Td (from ) Tj ET Q q 0 0 0 rg BT 388.20 285.00 Td (potential ) Tj ET Q q 0 0 0 rg BT 424.86 285.00 Td (accounts ) Tj ET Q q 0 0 0 rg BT 461.51 285.00 Td (receivable ) Tj ET Q q 0 0 0 rg BT 504.25 285.00 Td (securitizations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 273.00 Td (and ) Tj ET Q q 0 0 0 rg BT 66.93 273.00 Td (our ) Tj ET Q q 0 0 0 rg BT 82.75 273.00 Td (revolving ) Tj ET Q q 0 0 0 rg BT 123.57 273.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 148.82 273.00 Td (facility ) Tj ET Q q 0 0 0 rg BT 179.64 273.00 Td (will ) Tj ET Q q 0 0 0 rg BT 197.68 273.00 Td (be ) Tj ET Q q 0 0 0 rg BT 209.61 273.00 Td (suf) Tj ET Q q 0 0 0 rg BT 221.66 273.00 Td (ficient ) Tj ET Q q 0 0 0 rg BT 249.69 273.00 Td (to ) Tj ET Q q 0 0 0 rg BT 259.96 273.00 Td (provide ) Tj ET Q q 0 0 0 rg BT 293.00 273.00 Td (us ) Tj ET Q q 0 0 0 rg BT 304.38 273.00 Td (the ) Tj ET Q q 0 0 0 rg BT 319.09 273.00 Td (ability ) Tj ET Q q 0 0 0 rg BT 347.13 273.00 Td (to ) Tj ET Q q 0 0 0 rg BT 357.40 273.00 Td (fund ) Tj ET Q q 0 0 0 rg BT 378.23 273.00 Td (our ) Tj ET Q q 0 0 0 rg BT 394.05 273.00 Td (operations, ) Tj ET Q q 0 0 0 rg BT 440.69 273.00 Td (provide ) Tj ET Q q 0 0 0 rg BT 473.73 273.00 Td (the ) Tj ET Q q 0 0 0 rg BT 488.44 273.00 Td (increased ) Tj ET Q q 0 0 0 rg BT 528.69 273.00 Td (working ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 261.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 79.15 261.00 Td (necessary ) Tj ET Q q 0 0 0 rg BT 120.52 261.00 Td (to ) Tj ET Q q 0 0 0 rg BT 130.80 261.00 Td (support ) Tj ET Q q 0 0 0 rg BT 163.30 261.00 Td (our ) Tj ET Q q 0 0 0 rg BT 179.13 261.00 Td (strategy ) Tj ET Q q 0 0 0 rg BT 213.28 261.00 Td (and ) Tj ET Q q 0 0 0 rg BT 230.22 261.00 Td (fund ) Tj ET Q q 0 0 0 rg BT 251.05 261.00 Td (planned ) Tj ET Q q 0 0 0 rg BT 285.21 261.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 314.36 261.00 Td (expenditures ) Tj ET Q q 0 0 0 rg BT 367.95 261.00 Td (discussed ) Tj ET Q q 0 0 0 rg BT 408.78 261.00 Td (above ) Tj ET Q q 0 0 0 rg BT 435.16 261.00 Td (in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 445.43 261.00 Td (Capital ) Tj ET Q q 0 0 0 rg BT 477.94 261.00 Td (expenditur) Tj ET Q q 0 0 0 rg BT 520.33 261.00 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.66 261.00 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 243.00 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 243.00 Td (e ) Tj ET Q q 0 0 0 rg BT 64.95 243.00 Td (may ) Tj ET Q q 0 0 0 rg BT 84.04 243.00 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 129.22 243.00 Td (or ) Tj ET Q q 0 0 0 rg BT 139.43 243.00 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 180.18 243.00 Td (retire ) Tj ET Q q 0 0 0 rg BT 203.15 243.00 Td (our ) Tj ET Q q 0 0 0 rg BT 218.35 243.00 Td (debt ) Tj ET Q q 0 0 0 rg BT 237.45 243.00 Td (and ) Tj ET Q q 0 0 0 rg BT 253.76 243.00 Td (take ) Tj ET Q q 0 0 0 rg BT 272.29 243.00 Td (other ) Tj ET Q q 0 0 0 rg BT 294.71 243.00 Td (steps ) Tj ET Q q 0 0 0 rg BT 316.59 243.00 Td (to ) Tj ET Q q 0 0 0 rg BT 326.24 243.00 Td (reduce ) Tj ET Q q 0 0 0 rg BT 354.76 243.00 Td (our ) Tj ET Q q 0 0 0 rg BT 369.97 243.00 Td (debt ) Tj ET Q q 0 0 0 rg BT 389.06 243.00 Td (or ) Tj ET Q q 0 0 0 rg BT 399.26 243.00 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 440.01 243.00 Td (improve ) Tj ET Q q 0 0 0 rg BT 475.21 243.00 Td (our ) Tj ET Q q 0 0 0 rg BT 490.42 243.00 Td (financial ) Tj ET Q q 0 0 0 rg BT 527.28 243.00 Td (position. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 231.00 Td (These ) Tj ET Q q 0 0 0 rg BT 77.25 231.00 Td (actions ) Tj ET Q q 0 0 0 rg BT 108.94 231.00 Td (could ) Tj ET Q q 0 0 0 rg BT 134.52 231.00 Td (include ) Tj ET Q q 0 0 0 rg BT 167.33 231.00 Td (open ) Tj ET Q q 0 0 0 rg BT 190.13 231.00 Td (market ) Tj ET Q q 0 0 0 rg BT 221.26 231.00 Td (debt ) Tj ET Q q 0 0 0 rg BT 241.85 231.00 Td (repurchases, ) Tj ET Q q 0 0 0 rg BT 294.91 231.00 Td (negotiated ) Tj ET Q q 0 0 0 rg BT 339.93 231.00 Td (repurchases, ) Tj ET Q q 0 0 0 rg BT 393.00 231.00 Td (other ) Tj ET Q q 0 0 0 rg BT 416.91 231.00 Td (retirements ) Tj ET Q q 0 0 0 rg BT 465.26 231.00 Td (of ) Tj ET Q q 0 0 0 rg BT 476.96 231.00 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 526.99 231.00 Td (debt ) Tj ET Q q 0 0 0 rg BT 547.58 231.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 219.00 Td (opportunistic ) Tj ET Q q 0 0 0 rg BT 104.99 219.00 Td (refinancing ) Tj ET Q q 0 0 0 rg BT 152.74 219.00 Td (of ) Tj ET Q q 0 0 0 rg BT 163.29 219.00 Td (debt. ) Tj ET Q q 0 0 0 rg BT 185.07 219.00 Td (The ) Tj ET Q q 0 0 0 rg BT 202.84 219.00 Td (amount ) Tj ET Q q 0 0 0 rg BT 235.05 219.00 Td (of ) Tj ET Q q 0 0 0 rg BT 245.60 219.00 Td (debt ) Tj ET Q q 0 0 0 rg BT 265.04 219.00 Td (that ) Tj ET Q q 0 0 0 rg BT 282.25 219.00 Td (may ) Tj ET Q q 0 0 0 rg BT 301.69 219.00 Td (be ) Tj ET Q q 0 0 0 rg BT 313.34 219.00 Td (repurchased ) Tj ET Q q 0 0 0 rg BT 363.87 219.00 Td (or ) Tj ET Q q 0 0 0 rg BT 374.42 219.00 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 415.51 219.00 Td (retired, ) Tj ET Q q 0 0 0 rg BT 446.33 219.00 Td (if ) Tj ET Q q 0 0 0 rg BT 454.65 219.00 Td (any) Tj ET Q q 0 0 0 rg BT 468.44 219.00 Td (, ) Tj ET Q q 0 0 0 rg BT 473.16 219.00 Td (will ) Tj ET Q q 0 0 0 rg BT 490.94 219.00 Td (depend ) Tj ET Q q 0 0 0 rg BT 522.03 219.00 Td (on ) Tj ET Q q 0 0 0 rg BT 534.25 219.00 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 207.00 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 96.67 207.00 Td (the ) Tj ET Q q 0 0 0 rg BT 111.38 207.00 Td (Company) Tj ET Q q 0 0 0 rg BT 153.05 207.00 Td (s ) Tj ET Q q 0 0 0 rg BT 159.44 207.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 179.71 207.00 Td (position, ) Tj ET Q q 0 0 0 rg BT 216.93 207.00 Td (compliance ) Tj ET Q q 0 0 0 rg BT 265.52 207.00 Td (with ) Tj ET Q q 0 0 0 rg BT 285.80 207.00 Td (debt ) Tj ET Q q 0 0 0 rg BT 305.52 207.00 Td (covenant ) Tj ET Q q 0 0 0 rg BT 344.11 207.00 Td (and ) Tj ET Q q 0 0 0 rg BT 361.05 207.00 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 407.98 207.00 Td (and ) Tj ET Q q 0 0 0 rg BT 424.92 207.00 Td (other ) Tj ET Q q 0 0 0 rg BT 447.97 207.00 Td (considerations. ) Tj ET Q endstream endobj 107 0 obj <>] /Rotate 0 /Contents 108 0 R>> endobj 108 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (52) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Off-Balance ) Tj ET Q q 0 0 0 rg BT 104.16 742.25 Td (Sheet ) Tj ET Q q 0 0 0 rg BT 129.99 742.25 Td (Liabilities ) Tj ET Q q 0 0 0 rg BT 175.27 742.25 Td (and ) Tj ET Q q 0 0 0 rg BT 193.89 742.25 Td (Other) Tj ET Q q 0 0 0 rg BT 219.26 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 221.76 742.25 Td (Contractual ) Tj ET Q q 0 0 0 rg BT 275.92 742.25 Td (Obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 724.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 724.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.25 724.25 Td (do ) Tj ET Q q 0 0 0 rg BT 77.43 724.25 Td (not ) Tj ET Q q 0 0 0 rg BT 92.39 724.25 Td (have ) Tj ET Q q 0 0 0 rg BT 113.44 724.25 Td (any ) Tj ET Q q 0 0 0 rg BT 130.06 724.25 Td (of) Tj ET Q q 0 0 0 rg BT 138.21 724.25 Td (f-balance ) Tj ET Q q 0 0 0 rg BT 177.58 724.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 200.30 724.25 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 256.34 724.25 Td (as ) Tj ET Q q 0 0 0 rg BT 266.85 724.25 Td (defined ) Tj ET Q q 0 0 0 rg BT 299.01 724.25 Td (by ) Tj ET Q q 0 0 0 rg BT 311.19 724.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 331.69 724.25 Td (303\(a\)\(4\) ) Tj ET Q q 0 0 0 rg BT 371.63 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 382.14 724.25 Td (Regulation ) Tj ET Q q 0 0 0 rg BT 428.20 724.25 Td (S-K. ) Tj ET Q q 0 0 0 rg BT 448.83 724.25 Td (The ) Tj ET Q q 0 0 0 rg BT 466.56 724.25 Td (following ) Tj ET Q q 0 0 0 rg BT 507.62 724.25 Td (table ) Tj ET Q q 0 0 0 rg BT 529.23 724.25 Td (presents ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (a ) Tj ET Q q 0 0 0 rg BT 56.94 712.25 Td (summary ) Tj ET Q q 0 0 0 rg BT 96.66 712.25 Td (of ) Tj ET Q q 0 0 0 rg BT 107.49 712.25 Td (our ) Tj ET Q q 0 0 0 rg BT 123.32 712.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 164.71 712.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 211.63 712.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 268.56 712.25 Td (and ) Tj ET Q q 0 0 0 rg BT 285.50 712.25 Td (obligations ) Tj ET Q q 0 0 0 rg BT 332.45 712.25 Td (as ) Tj ET Q q 0 0 0 rg BT 343.28 712.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.11 712.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 402.71 712.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.71 712.25 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 646.75 221.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 646.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 646.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 646.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 646.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 646.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 646.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 646.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 646.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 646.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 616.75 221.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 616.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 616.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 616.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 616.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 616.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 616.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 616.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 616.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 616.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 586.75 221.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 586.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 586.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 586.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 586.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 586.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 586.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 586.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 586.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 586.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 556.75 221.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 556.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 556.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 556.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 556.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 556.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 556.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 556.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 556.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 556.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 526.75 221.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 526.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 526.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 526.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 526.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 526.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 526.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 526.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 526.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 526.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 496.75 221.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 496.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 496.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 496.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 496.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 496.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 496.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 496.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 496.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 496.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 466.75 221.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 466.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 466.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 466.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 466.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 466.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 466.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 466.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 466.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 466.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 436.75 221.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 436.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 436.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 436.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 436.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 436.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 436.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 436.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 436.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 436.75 55.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 680.75 m 385.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 680.75 m 389.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 680.75 m 444.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 680.75 m 448.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 680.75 m 503.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 680.75 m 507.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 680.75 m 562.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 646.75 m 326.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 646.75 m 385.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 646.75 m 444.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 646.75 m 503.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 646.75 m 562.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 421.75 m 385.5 421.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 421.75 m 444.5 421.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 421.75 m 503.5 421.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 421.75 m 562.5 421.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 421.75 m 326.5 421.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 407.75 m 326.5 407.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 405.75 m 326.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 421.75 m 385.5 421.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 407.75 m 385.5 407.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 405.75 m 385.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 421.75 m 444.5 421.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 407.75 m 444.5 407.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 405.75 m 444.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 421.75 m 503.5 421.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 407.75 m 503.5 407.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 405.75 m 503.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 421.75 m 562.5 421.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 407.75 m 562.5 407.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 405.75 m 562.5 405.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.00 685.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.00 685.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.45 685.43 Td (Payments due by period) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 53.00 651.46 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 287.55 651.43 Td (T) Tj ET Q q 0 0 0 rg BT 293.30 651.43 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 335.45 671.43 Td (Less ) Tj ET Q q 0 0 0 rg BT 356.66 671.43 Td (Than ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 355.00 661.43 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 347.55 651.43 Td (Y) Tj ET Q q 0 0 0 rg BT 353.66 651.43 Td (ear) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 409.80 661.43 Td (1-3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.55 651.43 Td (Y) Tj ET Q q 0 0 0 rg BT 410.66 651.43 Td (ears) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.80 661.43 Td (3-5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.55 651.43 Td (Y) Tj ET Q q 0 0 0 rg BT 469.66 651.43 Td (ears) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 510.35 661.43 Td (Mor) Tj ET Q q 0 0 0 rg BT 529.05 661.43 Td (e ) Tj ET Q q 0 0 0 rg BT 535.80 661.43 Td (Than) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.80 651.43 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.80 651.43 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 526.30 651.43 Td (Y) Tj ET Q q 0 0 0 rg BT 532.41 651.43 Td (ears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 636.42 Td (Debt, including estimated interest payments:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.00 636.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 636.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 636.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 636.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 636.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 621.42 Td (Revolving credit facility) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 156.75 625.95 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.00 621.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.15 621.42 Td (83,384) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 621.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 621.42 Td (3,658) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 621.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 621.42 Td (79,726) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 621.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 621.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 621.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 621.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 606.42 Td (Senior Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.15 606.42 Td (300,315) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.15 606.42 Td (16,458) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 606.42 Td (32,915) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 606.42 Td (250,942) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 606.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 591.42 Td (2016B Class B Notes) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 144.84 595.95 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.15 591.42 Td (79,627) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 591.42 Td (5,401) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 591.42 Td (74,226) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 591.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 591.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 577.32 Td (2017A) Tj ET Q q 0 0 0 rg BT 85.67 577.32 Td ( Class ) Tj ET Q q 0 0 0 rg BT 111.79 577.32 Td (A) Tj ET Q q 0 0 0 rg BT 118.46 577.32 Td ( Notes) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 144.29 581.85 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.15 576.42 Td (62,164) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 576.42 Td (1,632) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 576.42 Td (60,532) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 576.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 576.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 562.32 Td (2017A) Tj ET Q q 0 0 0 rg BT 85.67 562.32 Td ( Class B Notes) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 144.84 566.85 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.15 561.42 Td (1) Tj ET Q q 0 0 0 rg BT 295.15 561.42 Td (17,354) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 561.42 Td (5,430) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 561.42 Td (1) Tj ET Q q 0 0 0 rg BT 413.15 561.42 Td (1) Tj ET Q q 0 0 0 rg BT 418.15 561.42 Td (1,924) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 561.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 561.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 547.32 Td (2017A) Tj ET Q q 0 0 0 rg BT 85.67 547.32 Td ( Class C Notes) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 144.84 551.85 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.15 546.42 Td (64,148) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 546.42 Td (3,725) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 546.42 Td (7,450) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 546.42 Td (52,973) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 546.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 532.32 Td (2017B Class ) Tj ET Q q 0 0 0 rg BT 111.79 532.32 Td (A) Tj ET Q q 0 0 0 rg BT 118.46 532.32 Td ( Notes) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 144.29 536.85 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.15 531.42 Td (312,277) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 531.42 Td (7,990) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 531.42 Td (304,287) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 531.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 531.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 517.32 Td (2017B Class B Notes) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 144.84 521.85 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.15 516.42 Td (151,332) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 516.42 Td (5,975) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 516.42 Td (1) Tj ET Q q 0 0 0 rg BT 418.15 516.42 Td (1,949) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 516.42 Td (133,408) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 516.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 502.32 Td (2017B Class C Notes) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 144.84 506.85 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.15 501.42 Td (101,061) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 501.42 Td (4,679) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 501.42 Td (9,358) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 501.42 Td (87,024) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 486.42 Td (Capital lease obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 486.42 Td (7,247) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 486.42 Td (1,192) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 486.42 Td (1,335) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 486.42 Td (763) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 486.42 Td (3,957) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 471.42 Td (Operating leases:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.00 471.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.00 471.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 471.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 471.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.00 471.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 456.42 Td (Real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.15 456.42 Td (430,401) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.15 456.42 Td (59,435) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 456.42 Td (1) Tj ET Q q 0 0 0 rg BT 413.15 456.42 Td (16,862) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 456.42 Td (1) Tj ET Q q 0 0 0 rg BT 472.15 456.42 Td (10,306) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 456.42 Td (143,798) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 441.42 Td (Equipment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.15 441.42 Td (4,252) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.15 441.42 Td (1,705) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 441.42 Td (1,790) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 441.42 Td (757) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 441.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 426.42 Td (Contractual commitments) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 156.59 430.95 Td (\(3\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.15 426.42 Td (71,950) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.15 426.42 Td (67,952) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 426.42 Td (3,918) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 426.42 Td (80) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 426.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 411.42 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 411.42 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.00 411.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.60 411.42 Td (1,785,512) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 411.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.15 411.42 Td (185,232) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 411.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 411.42 Td (816,272) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 411.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 411.42 Td (636,253) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 411.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 411.42 Td (147,755) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 389.25 Td (\(1\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 389.25 Td (Estimated ) Tj ET Q q 0 0 0 rg BT 110.26 389.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 141.97 389.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 182.57 389.25 Td (are ) Tj ET Q q 0 0 0 rg BT 197.05 389.25 Td (based ) Tj ET Q q 0 0 0 rg BT 222.09 389.25 Td (on ) Tj ET Q q 0 0 0 rg BT 234.36 389.25 Td (the ) Tj ET Q q 0 0 0 rg BT 248.85 389.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 297.79 389.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 330.60 389.25 Td (as ) Tj ET Q q 0 0 0 rg BT 341.20 389.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.80 389.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 400.17 389.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.17 389.25 Td ( ) Tj ET Q q 0 0 0 rg BT 422.45 389.25 Td (and ) Tj ET Q q 0 0 0 rg BT 439.16 389.25 Td (the ) Tj ET Q q 0 0 0 rg BT 453.65 389.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 485.35 389.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 502.61 389.25 Td (in ) Tj ET Q q 0 0 0 rg BT 512.66 389.25 Td (ef) Tj ET Q q 0 0 0 rg BT 520.25 389.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 537.51 389.25 Td (at ) Tj ET Q q 0 0 0 rg BT 547.00 389.25 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 377.25 Td (time.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 359.25 Td (\(2\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 359.25 Td (The ) Tj ET Q q 0 0 0 rg BT 86.57 359.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 127.92 359.25 Td (due ) Tj ET Q q 0 0 0 rg BT 145.39 359.25 Td (by ) Tj ET Q q 0 0 0 rg BT 158.42 359.25 Td (period ) Tj ET Q q 0 0 0 rg BT 186.99 359.25 Td (for ) Tj ET Q q 0 0 0 rg BT 201.68 359.25 Td (the ) Tj ET Q q 0 0 0 rg BT 216.92 359.25 Td (Senior ) Tj ET Q q 0 0 0 rg BT 246.05 359.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 272.41 359.25 Td (and ) Tj ET Q q 0 0 0 rg BT 289.88 359.25 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 343.99 359.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 368.12 359.25 Td (were ) Tj ET Q q 0 0 0 rg BT 390.58 359.25 Td (based ) Tj ET Q q 0 0 0 rg BT 416.37 359.25 Td (on ) Tj ET Q q 0 0 0 rg BT 429.40 359.25 Td (their ) Tj ET Q q 0 0 0 rg BT 450.75 359.25 Td (respective ) Tj ET Q q 0 0 0 rg BT 494.31 359.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 531.21 359.25 Td (dates ) Tj ET Q q 0 0 0 rg BT 554.79 359.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 347.25 Td (their ) Tj ET Q q 0 0 0 rg BT 88.42 347.25 Td (respective ) Tj ET Q q 0 0 0 rg BT 131.05 347.25 Td (fixed ) Tj ET Q q 0 0 0 rg BT 153.69 347.25 Td (annual ) Tj ET Q q 0 0 0 rg BT 182.44 347.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 213.97 347.25 Td (rate. ) Tj ET Q q 0 0 0 rg BT 233.56 347.25 Td ( ) Tj ET Q q 0 0 0 rg BT 235.19 347.25 Td (Actual ) Tj ET Q q 0 0 0 rg BT 263.94 347.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 301.58 347.25 Td (and ) Tj ET Q q 0 0 0 rg BT 318.11 347.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 349.64 347.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 390.06 347.25 Td (on ) Tj ET Q q 0 0 0 rg BT 402.16 347.25 Td (the ) Tj ET Q q 0 0 0 rg BT 416.47 347.25 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 469.65 347.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 492.86 347.25 Td (will ) Tj ET Q q 0 0 0 rg BT 510.51 347.25 Td (reflect ) Tj ET Q q 0 0 0 rg BT 538.14 347.25 Td (actual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 335.25 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 106.04 335.25 Td (from ) Tj ET Q q 0 0 0 rg BT 127.98 335.25 Td (the ) Tj ET Q q 0 0 0 rg BT 142.69 335.25 Td (securitized ) Tj ET Q q 0 0 0 rg BT 188.50 335.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 227.66 335.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 265.14 335.25 Td (receivables. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 317.25 Td (\(3\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 317.25 Td (Contractual ) Tj ET Q q 0 0 0 rg BT 116.79 317.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 173.37 317.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 212.72 317.25 Td (include ) Tj ET Q q 0 0 0 rg BT 244.29 317.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 300.87 317.25 Td (to ) Tj ET Q q 0 0 0 rg BT 310.79 317.25 Td (purchase ) Tj ET Q q 0 0 0 rg BT 348.47 317.25 Td (inventory ) Tj ET Q q 0 0 0 rg BT 388.93 317.25 Td (of ) Tj ET Q q 0 0 0 rg BT 399.40 317.25 Td ($60.9 ) Tj ET Q q 0 0 0 rg BT 424.04 317.25 Td (million ) Tj ET Q q 0 0 0 rg BT 455.08 317.25 Td (and ) Tj ET Q q 0 0 0 rg BT 471.66 317.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 500.45 317.25 Td (expenditures ) Tj ET Q q 0 0 0 rg BT 553.68 317.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 305.25 Td ($3.2 ) Tj ET Q q 0 0 0 rg BT 86.84 305.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 119.57 305.25 Td (which ) Tj ET Q q 0 0 0 rg BT 145.35 305.25 Td (is ) Tj ET Q q 0 0 0 rg BT 153.36 305.25 Td (not ) Tj ET Q q 0 0 0 rg BT 167.48 305.25 Td (reduced ) Tj ET Q q 0 0 0 rg BT 200.46 305.25 Td (for ) Tj ET Q q 0 0 0 rg BT 213.46 305.25 Td (any ) Tj ET Q q 0 0 0 rg BT 229.24 305.25 Td (reimbursements ) Tj ET Q q 0 0 0 rg BT 294.45 305.25 Td (we ) Tj ET Q q 0 0 0 rg BT 307.45 305.25 Td (might ) Tj ET Q q 0 0 0 rg BT 332.12 305.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 362.32 305.25 Td (for ) Tj ET Q q 0 0 0 rg BT 375.32 305.25 Td (tenant ) Tj ET Q q 0 0 0 rg BT 401.10 305.25 Td (improvement ) Tj ET Q q 0 0 0 rg BT 455.76 305.25 Td (allowances ) Tj ET Q q 0 0 0 rg BT 501.52 305.25 Td (from ) Tj ET Q q 0 0 0 rg BT 522.30 305.25 Td (landlords, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 293.25 Td (with ) Tj ET Q q 0 0 0 rg BT 88.50 293.25 Td (the ) Tj ET Q q 0 0 0 rg BT 103.44 293.25 Td (remaining ) Tj ET Q q 0 0 0 rg BT 146.71 293.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 203.87 293.25 Td (for ) Tj ET Q q 0 0 0 rg BT 218.26 293.25 Td (advertising ) Tj ET Q q 0 0 0 rg BT 265.42 293.25 Td (and ) Tj ET Q q 0 0 0 rg BT 282.58 293.25 Td (other ) Tj ET Q q 0 0 0 rg BT 305.85 293.25 Td (services. ) Tj ET Q q 0 0 0 rg BT 343.09 293.25 Td (The ) Tj ET Q q 0 0 0 rg BT 361.36 293.25 Td (timing ) Tj ET Q q 0 0 0 rg BT 390.20 293.25 Td (of ) Tj ET Q q 0 0 0 rg BT 401.25 293.25 Td (the ) Tj ET Q q 0 0 0 rg BT 416.19 293.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 457.24 293.25 Td (is ) Tj ET Q q 0 0 0 rg BT 466.64 293.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 497.69 293.25 Td (to ) Tj ET Q q 0 0 0 rg BT 508.19 293.25 Td (change ) Tj ET Q q 0 0 0 rg BT 539.23 293.25 Td (based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 281.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 90.50 281.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 116.87 281.25 Td (receipt ) Tj ET Q q 0 0 0 rg BT 146.57 281.25 Td (of ) Tj ET Q q 0 0 0 rg BT 157.40 281.25 Td (inventory ) Tj ET Q q 0 0 0 rg BT 198.23 281.25 Td (and ) Tj ET Q q 0 0 0 rg BT 215.17 281.25 Td (other ) Tj ET Q q 0 0 0 rg BT 238.21 281.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 275.15 281.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 299.87 281.25 Td (with ) Tj ET Q q 0 0 0 rg BT 320.14 281.25 Td (vendors.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 263.25 Td (Critical ) Tj ET Q q 0 0 0 rg BT 84.71 263.25 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 136.10 263.25 Td (Policies ) Tj ET Q q 0 0 0 rg BT 170.82 263.25 Td (and ) Tj ET Q q 0 0 0 rg BT 189.44 263.25 Td (Estimates) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.10 263.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 245.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.66 245.25 Td (preparation ) Tj ET Q q 0 0 0 rg BT 115.31 245.25 Td (of ) Tj ET Q q 0 0 0 rg BT 125.76 245.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 162.86 245.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 207.19 245.25 Td (and ) Tj ET Q q 0 0 0 rg BT 223.74 245.25 Td (related ) Tj ET Q q 0 0 0 rg BT 253.06 245.25 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 299.61 245.25 Td (in ) Tj ET Q q 0 0 0 rg BT 309.51 245.25 Td (conformity ) Tj ET Q q 0 0 0 rg BT 356.06 245.25 Td (with ) Tj ET Q q 0 0 0 rg BT 375.95 245.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 421.94 245.25 Td (principles ) Tj ET Q q 0 0 0 rg BT 463.49 245.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 502.81 245.25 Td (accepted ) Tj ET Q q 0 0 0 rg BT 539.90 245.25 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 245.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 233.25 Td (United ) Tj ET Q q 0 0 0 rg BT 79.69 233.25 Td (States ) Tj ET Q q 0 0 0 rg BT 106.06 233.25 Td (requires ) Tj ET Q q 0 0 0 rg BT 140.74 233.25 Td (us ) Tj ET Q q 0 0 0 rg BT 152.11 233.25 Td (to ) Tj ET Q q 0 0 0 rg BT 162.37 233.25 Td (make ) Tj ET Q q 0 0 0 rg BT 186.50 233.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 226.19 233.25 Td (that ) Tj ET Q q 0 0 0 rg BT 243.66 233.25 Td (af) Tj ET Q q 0 0 0 rg BT 251.25 233.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 268.71 233.25 Td (the ) Tj ET Q q 0 0 0 rg BT 283.40 233.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 319.20 233.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 355.56 233.25 Td (of ) Tj ET Q q 0 0 0 rg BT 366.37 233.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 394.67 233.25 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 436.87 233.25 Td (revenues ) Tj ET Q q 0 0 0 rg BT 474.88 233.25 Td (and ) Tj ET Q q 0 0 0 rg BT 491.80 233.25 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 532.87 233.25 Td (and ) Tj ET Q q 0 0 0 rg BT 549.79 233.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 221.25 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 92.70 221.25 Td (of ) Tj ET Q q 0 0 0 rg BT 103.19 221.25 Td (contingent ) Tj ET Q q 0 0 0 rg BT 147.56 221.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 173.05 221.25 Td (and ) Tj ET Q q 0 0 0 rg BT 189.64 221.25 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 231.52 221.25 Td (Certain ) Tj ET Q q 0 0 0 rg BT 263.11 221.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 309.14 221.25 Td (policies, ) Tj ET Q q 0 0 0 rg BT 344.90 221.25 Td (as ) Tj ET Q q 0 0 0 rg BT 355.39 221.25 Td (described ) Tj ET Q q 0 0 0 rg BT 395.86 221.25 Td (below) Tj ET Q q 0 0 0 rg BT 419.65 221.25 Td (, ) Tj ET Q q 0 0 0 rg BT 424.30 221.25 Td (are ) Tj ET Q q 0 0 0 rg BT 438.67 221.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 484.14 221.25 Td ("critical ) Tj ET Q q 0 0 0 rg BT 518.14 221.25 Td (accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 209.25 Td (policies" ) Tj ET Q q 0 0 0 rg BT 87.83 209.25 Td (because ) Tj ET Q q 0 0 0 rg BT 122.11 209.25 Td (they ) Tj ET Q q 0 0 0 rg BT 141.97 209.25 Td (are ) Tj ET Q q 0 0 0 rg BT 156.82 209.25 Td (particularly ) Tj ET Q q 0 0 0 rg BT 205.55 209.25 Td (dependent ) Tj ET Q q 0 0 0 rg BT 249.29 209.25 Td (on ) Tj ET Q q 0 0 0 rg BT 261.93 209.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 301.78 209.25 Td (made ) Tj ET Q q 0 0 0 rg BT 326.08 209.25 Td (by ) Tj ET Q q 0 0 0 rg BT 338.72 209.25 Td (us ) Tj ET Q q 0 0 0 rg BT 350.25 209.25 Td (about ) Tj ET Q q 0 0 0 rg BT 375.11 209.25 Td (matters ) Tj ET Q q 0 0 0 rg BT 407.19 209.25 Td (that ) Tj ET Q q 0 0 0 rg BT 424.82 209.25 Td (are ) Tj ET Q q 0 0 0 rg BT 439.67 209.25 Td (inherently ) Tj ET Q q 0 0 0 rg BT 482.86 209.25 Td (uncertain ) Tj ET Q q 0 0 0 rg BT 522.70 209.25 Td (and ) Tj ET Q q 0 0 0 rg BT 539.78 209.25 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 197.25 Td (have ) Tj ET Q q 0 0 0 rg BT 72.25 197.25 Td (a ) Tj ET Q q 0 0 0 rg BT 80.06 197.25 Td (material ) Tj ET Q q 0 0 0 rg BT 116.20 197.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 146.78 197.25 Td (to ) Tj ET Q q 0 0 0 rg BT 157.93 197.25 Td (our ) Tj ET Q q 0 0 0 rg BT 174.64 197.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 228.55 197.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 266.91 197.25 Td (statements. ) Tj ET Q q 0 0 0 rg BT 314.75 197.25 Td (W) Tj ET Q q 0 0 0 rg BT 323.39 197.25 Td (e ) Tj ET Q q 0 0 0 rg BT 331.20 197.25 Td (base ) Tj ET Q q 0 0 0 rg BT 352.34 197.25 Td (our ) Tj ET Q q 0 0 0 rg BT 369.05 197.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 409.63 197.25 Td (on ) Tj ET Q q 0 0 0 rg BT 423.01 197.25 Td (historical ) Tj ET Q q 0 0 0 rg BT 463.59 197.25 Td (experience ) Tj ET Q q 0 0 0 rg BT 510.27 197.25 Td (and ) Tj ET Q q 0 0 0 rg BT 528.08 197.25 Td (on ) Tj ET Q q 0 0 0 rg BT 541.46 197.25 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 185.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 101.85 185.25 Td (that ) Tj ET Q q 0 0 0 rg BT 119.24 185.25 Td (we ) Tj ET Q q 0 0 0 rg BT 133.30 185.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 164.57 185.25 Td (are ) Tj ET Q q 0 0 0 rg BT 179.17 185.25 Td (reasonable. ) Tj ET Q q 0 0 0 rg BT 226.29 185.25 Td (As ) Tj ET Q q 0 0 0 rg BT 239.80 185.25 Td (a ) Tj ET Q q 0 0 0 rg BT 246.64 185.25 Td (result, ) Tj ET Q q 0 0 0 rg BT 273.75 185.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 300.02 185.25 Td (results ) Tj ET Q q 0 0 0 rg BT 328.53 185.25 Td (could ) Tj ET Q q 0 0 0 rg BT 353.14 185.25 Td (dif) Tj ET Q q 0 0 0 rg BT 364.07 185.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 377.57 185.25 Td (because ) Tj ET Q q 0 0 0 rg BT 411.61 185.25 Td (of ) Tj ET Q q 0 0 0 rg BT 422.34 185.25 Td (the ) Tj ET Q q 0 0 0 rg BT 436.95 185.25 Td (use ) Tj ET Q q 0 0 0 rg BT 452.68 185.25 Td (of ) Tj ET Q q 0 0 0 rg BT 463.41 185.25 Td (estimates. ) Tj ET Q q 0 0 0 rg BT 504.99 185.25 Td (A) Tj ET Q q 0 0 0 rg BT 511.66 185.25 Td ( ) Tj ET Q q 0 0 0 rg BT 514.05 185.25 Td (summary ) Tj ET Q q 0 0 0 rg BT 553.67 185.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 173.25 Td (all ) Tj ET Q q 0 0 0 rg BT 62.50 173.25 Td (of ) Tj ET Q q 0 0 0 rg BT 73.33 173.25 Td (our ) Tj ET Q q 0 0 0 rg BT 89.17 173.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 133.88 173.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 180.26 173.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 213.87 173.25 Td (is ) Tj ET Q q 0 0 0 rg BT 223.04 173.25 Td (included ) Tj ET Q q 0 0 0 rg BT 259.98 173.25 Td (in ) Tj ET Q q 0 0 0 rg BT 270.26 173.25 Td (Note ) Tj ET Q q 0 0 0 rg BT 292.20 173.25 Td (1, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 302.21 173.25 Td (Summary ) Tj ET Q q 0 0 0 rg BT 342.48 173.25 Td (of ) Tj ET Q q 0 0 0 rg BT 352.77 173.25 Td (Significant ) Tj ET Q q 0 0 0 rg BT 398.42 173.25 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 446.46 173.25 Td (Policies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.68 173.25 Td (, ) Tj ET Q q 0 0 0 rg BT 483.68 173.25 Td (of ) Tj ET Q q 0 0 0 rg BT 494.51 173.25 Td (the ) Tj ET Q q 0 0 0 rg BT 509.23 173.25 Td (Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 161.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 89.71 161.25 Td (Statements ) Tj ET Q q 0 0 0 rg BT 136.09 161.25 Td (in ) Tj ET Q q 0 0 0 rg BT 146.37 161.25 Td (Part ) Tj ET Q q 0 0 0 rg BT 164.98 161.25 Td (II, ) Tj ET Q q 0 0 0 rg BT 176.64 161.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 197.47 161.25 Td (8., ) Tj ET Q q 0 0 0 rg BT 209.97 161.25 Td (of ) Tj ET Q q 0 0 0 rg BT 220.80 161.25 Td (this ) Tj ET Q q 0 0 0 rg BT 237.19 161.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 269.13 161.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 298.85 161.25 Td (on ) Tj ET Q q 0 0 0 rg BT 311.35 161.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 335.52 161.25 Td (10-K.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 143.25 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 95.74 143.25 Td (for ) Tj ET Q q 0 0 0 rg BT 110.36 143.25 Td (doubtful ) Tj ET Q q 0 0 0 rg BT 147.77 143.25 Td (accounts.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.44 143.25 Td (The ) Tj ET Q q 0 0 0 rg BT 207.39 143.25 Td (determination ) Tj ET Q q 0 0 0 rg BT 265.33 143.25 Td (of ) Tj ET Q q 0 0 0 rg BT 276.06 143.25 Td (the ) Tj ET Q q 0 0 0 rg BT 290.68 143.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 323.07 143.25 Td (of ) Tj ET Q q 0 0 0 rg BT 333.80 143.25 Td (the ) Tj ET Q q 0 0 0 rg BT 348.42 143.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 391.36 143.25 Td (for ) Tj ET Q q 0 0 0 rg BT 405.42 143.25 Td (bad ) Tj ET Q q 0 0 0 rg BT 422.26 143.25 Td (debts ) Tj ET Q q 0 0 0 rg BT 445.77 143.25 Td (is, ) Tj ET Q q 0 0 0 rg BT 457.34 143.25 Td (by ) Tj ET Q q 0 0 0 rg BT 469.74 143.25 Td (nature, ) Tj ET Q q 0 0 0 rg BT 499.63 143.25 Td (highly ) Tj ET Q q 0 0 0 rg BT 527.58 143.25 Td (complex ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 131.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.02 131.25 Td (subjective. ) Tj ET Q q 0 0 0 rg BT 112.64 131.25 Td ( ) Tj ET Q q 0 0 0 rg BT 115.21 131.25 Td (Future ) Tj ET Q q 0 0 0 rg BT 143.90 131.25 Td (events ) Tj ET Q q 0 0 0 rg BT 172.03 131.25 Td (that ) Tj ET Q q 0 0 0 rg BT 189.60 131.25 Td (are ) Tj ET Q q 0 0 0 rg BT 204.38 131.25 Td (inherently ) Tj ET Q q 0 0 0 rg BT 247.50 131.25 Td (uncertain ) Tj ET Q q 0 0 0 rg BT 287.29 131.25 Td (could ) Tj ET Q q 0 0 0 rg BT 312.08 131.25 Td (result ) Tj ET Q q 0 0 0 rg BT 336.88 131.25 Td (in ) Tj ET Q q 0 0 0 rg BT 347.23 131.25 Td (material ) Tj ET Q q 0 0 0 rg BT 382.57 131.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 417.35 131.25 Td (to ) Tj ET Q q 0 0 0 rg BT 427.71 131.25 Td (the ) Tj ET Q q 0 0 0 rg BT 442.50 131.25 Td (level ) Tj ET Q q 0 0 0 rg BT 464.52 131.25 Td (of ) Tj ET Q q 0 0 0 rg BT 475.42 131.25 Td (the ) Tj ET Q q 0 0 0 rg BT 490.22 131.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 533.33 131.25 Td (for ) Tj ET Q q 0 0 0 rg BT 547.57 131.25 Td (bad ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 119.25 Td (debts. ) Tj ET Q q 0 0 0 rg BT 75.92 119.25 Td ( ) Tj ET Q q 0 0 0 rg BT 78.23 119.25 Td (General ) Tj ET Q q 0 0 0 rg BT 112.18 119.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 153.36 119.25 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 199.84 119.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 234.36 119.25 Td (to ) Tj ET Q q 0 0 0 rg BT 244.44 119.25 Td (state ) Tj ET Q q 0 0 0 rg BT 265.08 119.25 Td (or ) Tj ET Q q 0 0 0 rg BT 275.72 119.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 305.78 119.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 352.52 119.25 Td (and ) Tj ET Q q 0 0 0 rg BT 369.27 119.25 Td (a ) Tj ET Q q 0 0 0 rg BT 376.02 119.25 Td (variety ) Tj ET Q q 0 0 0 rg BT 406.09 119.25 Td (of ) Tj ET Q q 0 0 0 rg BT 416.73 119.25 Td (other ) Tj ET Q q 0 0 0 rg BT 439.59 119.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 469.11 119.25 Td (that ) Tj ET Q q 0 0 0 rg BT 486.41 119.25 Td (af) Tj ET Q q 0 0 0 rg BT 494.00 119.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 511.29 119.25 Td (the ) Tj ET Q q 0 0 0 rg BT 525.82 119.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 553.68 119.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 107.25 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 93.04 107.25 Td (to ) Tj ET Q q 0 0 0 rg BT 103.32 107.25 Td (service ) Tj ET Q q 0 0 0 rg BT 134.14 107.25 Td (their ) Tj ET Q q 0 0 0 rg BT 154.96 107.25 Td (debts ) Tj ET Q q 0 0 0 rg BT 178.57 107.25 Td (or ) Tj ET Q q 0 0 0 rg BT 189.40 107.25 Td (our ) Tj ET Q q 0 0 0 rg BT 205.23 107.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 233.28 107.25 Td (to ) Tj ET Q q 0 0 0 rg BT 243.56 107.25 Td (collect ) Tj ET Q q 0 0 0 rg BT 272.71 107.25 Td (will ) Tj ET Q q 0 0 0 rg BT 290.77 107.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 320.48 107.25 Td (the ) Tj ET Q q 0 0 0 rg BT 335.20 107.25 Td (future ) Tj ET Q q 0 0 0 rg BT 361.57 107.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 414.59 107.25 Td (of ) Tj ET Q q 0 0 0 rg BT 425.42 107.25 Td (the ) Tj ET Q q 0 0 0 rg BT 440.14 107.25 Td (portfolio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.14 107.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 89.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 89.25 Td (e ) Tj ET Q q 0 0 0 rg BT 64.93 89.25 Td (establish ) Tj ET Q q 0 0 0 rg BT 101.78 89.25 Td (an ) Tj ET Q q 0 0 0 rg BT 113.07 89.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 155.45 89.25 Td (for ) Tj ET Q q 0 0 0 rg BT 168.96 89.25 Td (doubtful ) Tj ET Q q 0 0 0 rg BT 204.70 89.25 Td (accounts, ) Tj ET Q q 0 0 0 rg BT 244.04 89.25 Td (including ) Tj ET Q q 0 0 0 rg BT 283.66 89.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 323.84 89.25 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 377.33 89.25 Td (interest, ) Tj ET Q q 0 0 0 rg BT 411.12 89.25 Td (to ) Tj ET Q q 0 0 0 rg BT 420.75 89.25 Td (cover ) Tj ET Q q 0 0 0 rg BT 444.81 89.25 Td (probable ) Tj ET Q q 0 0 0 rg BT 481.65 89.25 Td (and ) Tj ET Q q 0 0 0 rg BT 497.94 89.25 Td (estimable ) Tj ET Q q 0 0 0 rg BT 538.11 89.25 Td (losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 77.25 Td (on ) Tj ET Q q 0 0 0 rg BT 61.80 77.25 Td (our ) Tj ET Q q 0 0 0 rg BT 76.94 77.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 115.40 77.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 152.18 77.25 Td (receivable ) Tj ET Q q 0 0 0 rg BT 195.07 77.25 Td (resulting ) Tj ET Q q 0 0 0 rg BT 231.86 77.25 Td (from ) Tj ET Q q 0 0 0 rg BT 253.11 77.25 Td (the ) Tj ET Q q 0 0 0 rg BT 267.13 77.25 Td (failure ) Tj ET Q q 0 0 0 rg BT 295.02 77.25 Td (of ) Tj ET Q q 0 0 0 rg BT 305.16 77.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 347.51 77.25 Td (to ) Tj ET Q q 0 0 0 rg BT 357.09 77.25 Td (make ) Tj ET Q q 0 0 0 rg BT 380.55 77.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 426.77 77.25 Td (payments. ) Tj ET Q q 0 0 0 rg BT 469.40 77.25 Td ( ) Tj ET Q q 0 0 0 rg BT 471.20 77.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 488.56 77.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 527.01 77.25 Td (portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 65.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 82.92 65.25 Td (consists ) Tj ET Q q 0 0 0 rg BT 116.97 65.25 Td (of ) Tj ET Q q 0 0 0 rg BT 127.69 65.25 Td (a ) Tj ET Q q 0 0 0 rg BT 134.51 65.25 Td (lar) Tj ET Q q 0 0 0 rg BT 144.88 65.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 156.70 65.25 Td (number ) Tj ET Q q 0 0 0 rg BT 189.63 65.25 Td (of ) Tj ET Q q 0 0 0 rg BT 200.35 65.25 Td (relatively ) Tj ET Q q 0 0 0 rg BT 240.49 65.25 Td (small, ) Tj ET Q q 0 0 0 rg BT 267.04 65.25 Td (homogeneous ) Tj ET Q q 0 0 0 rg BT 324.98 65.25 Td (accounts. ) Tj ET Q q 0 0 0 rg BT 364.85 65.25 Td (None ) Tj ET Q q 0 0 0 rg BT 388.89 65.25 Td (of ) Tj ET Q q 0 0 0 rg BT 399.61 65.25 Td (our ) Tj ET Q q 0 0 0 rg BT 415.32 65.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 452.69 65.25 Td (are ) Tj ET Q q 0 0 0 rg BT 467.29 65.25 Td (lar) Tj ET Q q 0 0 0 rg BT 477.65 65.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 489.48 65.25 Td (enough ) Tj ET Q q 0 0 0 rg BT 521.30 65.25 Td (to ) Tj ET Q q 0 0 0 rg BT 531.46 65.25 Td (warrant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 53.25 Td (individual ) Tj ET Q q 0 0 0 rg BT 93.05 53.25 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 137.20 53.25 Td (for ) Tj ET Q q 0 0 0 rg BT 151.36 53.25 Td (impairment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.96 53.25 Td ( ) Tj ET Q endstream endobj 109 0 obj <>] /Rotate 0 /Contents 110 0 R>> endobj 110 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (53) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 742.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.79 742.10 Td (record ) Tj ET Q q 0 0 0 rg BT 94.05 742.10 Td (an ) Tj ET Q q 0 0 0 rg BT 106.21 742.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 149.46 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 163.84 742.10 Td (doubtful ) Tj ET Q q 0 0 0 rg BT 200.44 742.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 238.15 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 250.87 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 266.92 742.10 Td (non-TDR ) Tj ET Q q 0 0 0 rg BT 307.96 742.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 347.34 742.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 385.04 742.10 Td (receivable ) Tj ET Q q 0 0 0 rg BT 428.84 742.10 Td (that ) Tj ET Q q 0 0 0 rg BT 446.55 742.10 Td (we ) Tj ET Q q 0 0 0 rg BT 460.93 742.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 489.75 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 500.24 742.10 Td (char) Tj ET Q q 0 0 0 rg BT 517.27 742.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 538.19 742.10 Td (f ) Tj ET Q q 0 0 0 rg BT 544.24 742.10 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.57 730.10 Td (next ) Tj ET Q q 0 0 0 rg BT 84.13 730.10 Td (12 ) Tj ET Q q 0 0 0 rg BT 96.48 730.10 Td (months ) Tj ET Q q 0 0 0 rg BT 128.28 730.10 Td (based ) Tj ET Q q 0 0 0 rg BT 153.39 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 165.74 730.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 205.30 730.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 228.76 730.10 Td (char) Tj ET Q q 0 0 0 rg BT 245.79 730.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 266.71 730.10 Td (f ) Tj ET Q q 0 0 0 rg BT 272.39 730.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 293.61 730.10 Td (over ) Tj ET Q q 0 0 0 rg BT 313.73 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 328.30 730.10 Td (last ) Tj ET Q q 0 0 0 rg BT 344.53 730.10 Td (24 ) Tj ET Q q 0 0 0 rg BT 356.88 730.10 Td (months. ) Tj ET Q q 0 0 0 rg BT 391.18 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 393.36 730.10 Td (W) Tj ET Q q 0 0 0 rg BT 401.99 730.10 Td (e ) Tj ET Q q 0 0 0 rg BT 408.78 730.10 Td (incorporate ) Tj ET Q q 0 0 0 rg BT 456.66 730.10 Td (an ) Tj ET Q q 0 0 0 rg BT 468.45 730.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 514.68 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 524.81 730.10 Td (historical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 74.07 718.10 Td (char) Tj ET Q q 0 0 0 rg BT 91.10 718.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 112.01 718.10 Td (f ) Tj ET Q q 0 0 0 rg BT 118.30 718.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 140.13 718.10 Td (for ) Tj ET Q q 0 0 0 rg BT 154.75 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 162.14 718.10 Td (scaled ) Tj ET Q q 0 0 0 rg BT 190.08 718.10 Td (factor ) Tj ET Q q 0 0 0 rg BT 216.35 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 227.64 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 242.81 718.10 Td (year) Tj ET Q q 0 0 0 rg BT 259.82 718.10 Td (-over) Tj ET Q q 0 0 0 rg BT 280.72 718.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 304.21 718.10 Td (change ) Tj ET Q q 0 0 0 rg BT 335.48 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 346.21 718.10 Td (six ) Tj ET Q q 0 0 0 rg BT 360.84 718.10 Td (month ) Tj ET Q q 0 0 0 rg BT 389.35 718.10 Td (average ) Tj ET Q q 0 0 0 rg BT 423.39 718.10 Td (first ) Tj ET Q q 0 0 0 rg BT 442.46 718.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 479.84 718.10 Td (default ) Tj ET Q q 0 0 0 rg BT 510.56 718.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 532.40 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 549.79 718.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (year) Tj ET Q q 0 0 0 rg BT 67.01 706.10 Td (-over) Tj ET Q q 0 0 0 rg BT 87.91 706.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 111.02 706.10 Td (change ) Tj ET Q q 0 0 0 rg BT 141.91 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 152.26 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 167.06 706.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 200.16 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 211.07 706.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 250.30 706.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 287.86 706.10 Td (receivable ) Tj ET Q q 0 0 0 rg BT 331.52 706.10 Td (that ) Tj ET Q q 0 0 0 rg BT 349.09 706.10 Td (are ) Tj ET Q q 0 0 0 rg BT 363.87 706.10 Td (60 ) Tj ET Q q 0 0 0 rg BT 376.45 706.10 Td (days ) Tj ET Q q 0 0 0 rg BT 397.35 706.10 Td (or ) Tj ET Q q 0 0 0 rg BT 408.26 706.10 Td (more ) Tj ET Q q 0 0 0 rg BT 431.38 706.10 Td (past ) Tj ET Q q 0 0 0 rg BT 450.06 706.10 Td (due. ) Tj ET Q q 0 0 0 rg BT 472.08 706.10 Td (In ) Tj ET Q q 0 0 0 rg BT 482.98 706.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 518.33 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 528.69 706.10 Td (adjusted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 88.55 694.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 111.00 694.10 Td (char) Tj ET Q q 0 0 0 rg BT 128.03 694.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 148.95 694.10 Td (f ) Tj ET Q q 0 0 0 rg BT 153.62 694.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 176.33 694.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 214.89 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 224.55 694.10 Td (post-char) Tj ET Q q 0 0 0 rg BT 261.58 694.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 282.50 694.10 Td (f ) Tj ET Q q 0 0 0 rg BT 287.17 694.10 Td (recoveries, ) Tj ET Q q 0 0 0 rg BT 332.09 694.10 Td (including ) Tj ET Q q 0 0 0 rg BT 371.20 694.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 390.31 694.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 429.98 694.10 Td (from ) Tj ET Q q 0 0 0 rg BT 450.75 694.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 495.14 694.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 530.37 694.10 Td (realized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (from ) Tj ET Q q 0 0 0 rg BT 71.59 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 85.96 682.10 Td (repossession ) Tj ET Q q 0 0 0 rg BT 138.67 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 149.15 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 163.52 682.10 Td (products ) Tj ET Q q 0 0 0 rg BT 200.11 682.10 Td (financed, ) Tj ET Q q 0 0 0 rg BT 239.19 682.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 260.78 682.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 275.15 682.10 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 318.39 682.10 Td (from ) Tj ET Q q 0 0 0 rg BT 339.98 682.10 Td (taxing ) Tj ET Q q 0 0 0 rg BT 367.13 682.10 Td (jurisdictions, ) Tj ET Q q 0 0 0 rg BT 421.23 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 437.82 682.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 478.30 682.10 Td (received ) Tj ET Q q 0 0 0 rg BT 514.31 682.10 Td (under ) Tj ET Q q 0 0 0 rg BT 539.23 682.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 90.82 670.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 124.42 670.10 Td (are ) Tj ET Q q 0 0 0 rg BT 139.13 670.10 Td (also ) Tj ET Q q 0 0 0 rg BT 157.73 670.10 Td (considered. ) Tj ET Q q 0 0 0 rg BT 208.55 670.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.05 670.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (Qualitative ) Tj ET Q q 0 0 0 rg BT 97.33 652.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 148.00 652.10 Td (are ) Tj ET Q q 0 0 0 rg BT 163.11 652.10 Td (made ) Tj ET Q q 0 0 0 rg BT 187.66 652.10 Td (to ) Tj ET Q q 0 0 0 rg BT 198.34 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 213.46 652.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 256.89 652.10 Td (for ) Tj ET Q q 0 0 0 rg BT 271.45 652.10 Td (bad ) Tj ET Q q 0 0 0 rg BT 288.79 652.10 Td (debts ) Tj ET Q q 0 0 0 rg BT 312.79 652.10 Td (when, ) Tj ET Q q 0 0 0 rg BT 339.85 652.10 Td (based ) Tj ET Q q 0 0 0 rg BT 365.52 652.10 Td (on ) Tj ET Q q 0 0 0 rg BT 378.42 652.10 Td (management) Tj ET Q q 0 0 0 rg BT 432.29 652.10 Td (s ) Tj ET Q q 0 0 0 rg BT 439.08 652.10 Td (judgment, ) Tj ET Q q 0 0 0 rg BT 482.25 652.10 Td (there ) Tj ET Q q 0 0 0 rg BT 505.14 652.10 Td (are ) Tj ET Q q 0 0 0 rg BT 520.24 652.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 553.68 652.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (external ) Tj ET Q q 0 0 0 rg BT 85.57 640.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 116.14 640.10 Td (impacting ) Tj ET Q q 0 0 0 rg BT 159.49 640.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 197.84 640.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 234.52 640.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 261.77 640.10 Td (not ) Tj ET Q q 0 0 0 rg BT 277.91 640.10 Td (taken ) Tj ET Q q 0 0 0 rg BT 302.93 640.10 Td (into ) Tj ET Q q 0 0 0 rg BT 321.85 640.10 Td (account ) Tj ET Q q 0 0 0 rg BT 356.31 640.10 Td (by ) Tj ET Q q 0 0 0 rg BT 369.67 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.25 640.10 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 435.82 640.10 Td (calculations. ) Tj ET Q q 0 0 0 rg BT 489.44 640.10 Td ( ) Tj ET Q q 0 0 0 rg BT 492.56 640.10 Td (These ) Tj ET Q q 0 0 0 rg BT 519.80 640.10 Td (qualitative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (considerations ) Tj ET Q q 0 0 0 rg BT 110.06 628.10 Td (are ) Tj ET Q q 0 0 0 rg BT 124.57 628.10 Td (based ) Tj ET Q q 0 0 0 rg BT 149.64 628.10 Td (on ) Tj ET Q q 0 0 0 rg BT 161.94 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 176.46 628.10 Td (following ) Tj ET Q q 0 0 0 rg BT 217.64 628.10 Td (factors: ) Tj ET Q q 0 0 0 rg BT 249.93 628.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 284.43 628.10 Td (in ) Tj ET Q q 0 0 0 rg BT 294.51 628.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 326.81 628.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 360.21 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 376.95 628.10 Td (procedures, ) Tj ET Q q 0 0 0 rg BT 425.62 628.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 460.12 628.10 Td (in ) Tj ET Q q 0 0 0 rg BT 470.20 628.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 511.37 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 528.11 628.10 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 96.23 616.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 130.50 616.10 Td (in ) Tj ET Q q 0 0 0 rg BT 140.34 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 154.62 616.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 181.67 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 198.17 616.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 230.23 616.10 Td (of ) Tj ET Q q 0 0 0 rg BT 240.62 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.90 616.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 294.46 616.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 328.73 616.10 Td (in ) Tj ET Q q 0 0 0 rg BT 338.57 616.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 370.63 616.10 Td (management, ) Tj ET Q q 0 0 0 rg BT 426.28 616.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 460.55 616.10 Td (in ) Tj ET Q q 0 0 0 rg BT 470.39 616.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 495.22 616.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 525.05 616.10 Td (statistics, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 84.64 604.10 Td (in ) Tj ET Q q 0 0 0 rg BT 94.85 604.10 Td (concentrations ) Tj ET Q q 0 0 0 rg BT 155.59 604.10 Td (of ) Tj ET Q q 0 0 0 rg BT 166.35 604.10 Td (credit, ) Tj ET Q q 0 0 0 rg BT 194.04 604.10 Td (and ) Tj ET Q q 0 0 0 rg BT 210.91 604.10 Td (other ) Tj ET Q q 0 0 0 rg BT 233.89 604.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 266.86 604.10 Td (or ) Tj ET Q q 0 0 0 rg BT 277.62 604.10 Td (external ) Tj ET Q q 0 0 0 rg BT 312.26 604.10 Td (factor ) Tj ET Q q 0 0 0 rg BT 338.00 604.10 Td (changes. ) Tj ET Q q 0 0 0 rg BT 375.14 604.10 Td ( ) Tj ET Q q 0 0 0 rg BT 377.39 604.10 Td (W) Tj ET Q q 0 0 0 rg BT 386.03 604.10 Td (e ) Tj ET Q q 0 0 0 rg BT 392.90 604.10 Td (utilize ) Tj ET Q q 0 0 0 rg BT 420.32 604.10 Td (an ) Tj ET Q q 0 0 0 rg BT 432.19 604.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 473.49 604.10 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 518.13 604.10 Td (adjustment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (based ) Tj ET Q q 0 0 0 rg BT 75.05 592.10 Td (on ) Tj ET Q q 0 0 0 rg BT 87.32 592.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 121.81 592.10 Td (in ) Tj ET Q q 0 0 0 rg BT 131.86 592.10 Td (unemployment ) Tj ET Q q 0 0 0 rg BT 194.13 592.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 215.28 592.10 Td (if ) Tj ET Q q 0 0 0 rg BT 223.67 592.10 Td (current ) Tj ET Q q 0 0 0 rg BT 254.26 592.10 Td (unemployment ) Tj ET Q q 0 0 0 rg BT 316.53 592.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 337.68 592.10 Td (in ) Tj ET Q q 0 0 0 rg BT 347.74 592.10 Td (our ) Tj ET Q q 0 0 0 rg BT 363.34 592.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 397.27 592.10 Td (are ) Tj ET Q q 0 0 0 rg BT 411.76 592.10 Td (worse ) Tj ET Q q 0 0 0 rg BT 437.92 592.10 Td (than ) Tj ET Q q 0 0 0 rg BT 457.41 592.10 Td (they ) Tj ET Q q 0 0 0 rg BT 476.90 592.10 Td (were ) Tj ET Q q 0 0 0 rg BT 498.61 592.10 Td (on ) Tj ET Q q 0 0 0 rg BT 510.89 592.10 Td (average ) Tj ET Q q 0 0 0 rg BT 544.25 592.10 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.99 580.10 Td (last ) Tj ET Q q 0 0 0 rg BT 81.64 580.10 Td (24 ) Tj ET Q q 0 0 0 rg BT 94.41 580.10 Td (months. ) Tj ET Q q 0 0 0 rg BT 131.43 580.10 Td (W) Tj ET Q q 0 0 0 rg BT 140.06 580.10 Td (e ) Tj ET Q q 0 0 0 rg BT 147.27 580.10 Td (also ) Tj ET Q q 0 0 0 rg BT 166.15 580.10 Td (qualitatively ) Tj ET Q q 0 0 0 rg BT 218.90 580.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 240.56 580.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.55 580.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 285.53 580.10 Td (of ) Tj ET Q q 0 0 0 rg BT 296.63 580.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 331.60 580.10 Td (in ) Tj ET Q q 0 0 0 rg BT 342.15 580.10 Td (first ) Tj ET Q q 0 0 0 rg BT 361.03 580.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 398.23 580.10 Td (default ) Tj ET Q q 0 0 0 rg BT 428.76 580.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 450.41 580.10 Td (and ) Tj ET Q q 0 0 0 rg BT 467.61 580.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 502.59 580.10 Td (in ) Tj ET Q q 0 0 0 rg BT 513.13 580.10 Td (delinquency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (when ) Tj ET Q q 0 0 0 rg BT 74.07 568.10 Td (those ) Tj ET Q q 0 0 0 rg BT 97.58 568.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 132.19 568.10 Td (result ) Tj ET Q q 0 0 0 rg BT 156.82 568.10 Td (in ) Tj ET Q q 0 0 0 rg BT 167.00 568.10 Td (a ) Tj ET Q q 0 0 0 rg BT 173.85 568.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 210.67 568.10 Td (to ) Tj ET Q q 0 0 0 rg BT 220.85 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 235.47 568.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 278.41 568.10 Td (for ) Tj ET Q q 0 0 0 rg BT 292.48 568.10 Td (bad ) Tj ET Q q 0 0 0 rg BT 309.32 568.10 Td (debts ) Tj ET Q q 0 0 0 rg BT 332.84 568.10 Td (based ) Tj ET Q q 0 0 0 rg BT 358.01 568.10 Td (on ) Tj ET Q q 0 0 0 rg BT 370.42 568.10 Td (a ) Tj ET Q q 0 0 0 rg BT 377.26 568.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 412.99 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 423.72 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 438.35 568.10 Td (dispersion ) Tj ET Q q 0 0 0 rg BT 481.86 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 492.60 568.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 532.21 568.10 Td (char) Tj ET Q q 0 0 0 rg BT 549.24 568.10 Td (ge-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 556.10 Td (f ) Tj ET Q q 0 0 0 rg BT 63.98 556.10 Td (rates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.86 556.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 538.10 Td (e ) Tj ET Q q 0 0 0 rg BT 66.07 538.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 109.04 538.10 Td (allowances ) Tj ET Q q 0 0 0 rg BT 156.46 538.10 Td (for ) Tj ET Q q 0 0 0 rg BT 171.11 538.10 Td (those ) Tj ET Q q 0 0 0 rg BT 195.21 538.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 233.19 538.10 Td (that ) Tj ET Q q 0 0 0 rg BT 251.18 538.10 Td (are ) Tj ET Q q 0 0 0 rg BT 266.17 538.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 289.16 538.10 Td (based ) Tj ET Q q 0 0 0 rg BT 314.92 538.10 Td (on ) Tj ET Q q 0 0 0 rg BT 327.91 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.12 538.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 389.44 538.10 Td (present ) Tj ET Q q 0 0 0 rg BT 421.31 538.10 Td (value ) Tj ET Q q 0 0 0 rg BT 445.96 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 457.28 538.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 478.05 538.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 503.26 538.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 541.79 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 552.56 538.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (collected ) Tj ET Q q 0 0 0 rg BT 88.02 526.10 Td (over ) Tj ET Q q 0 0 0 rg BT 107.72 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.86 526.10 Td (life ) Tj ET Q q 0 0 0 rg BT 137.12 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 147.38 526.10 Td (those ) Tj ET Q q 0 0 0 rg BT 170.42 526.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 207.33 526.10 Td (based ) Tj ET Q q 0 0 0 rg BT 232.03 526.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 271.18 526.10 Td (on ) Tj ET Q q 0 0 0 rg BT 283.11 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 297.25 526.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 349.71 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 359.83 526.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 381.76 526.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 404.79 526.10 Td (over ) Tj ET Q q 0 0 0 rg BT 424.49 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 438.64 526.10 Td (last ) Tj ET Q q 0 0 0 rg BT 454.46 526.10 Td (24 ) Tj ET Q q 0 0 0 rg BT 466.39 526.10 Td (months. ) Tj ET Q q 0 0 0 rg BT 502.63 526.10 Td (The ) Tj ET Q q 0 0 0 rg BT 520.10 526.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 539.80 526.10 Td (flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.32 514.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 109.77 514.10 Td (based ) Tj ET Q q 0 0 0 rg BT 134.65 514.10 Td (on ) Tj ET Q q 0 0 0 rg BT 146.77 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.10 514.10 Td (weighted-average ) Tj ET Q q 0 0 0 rg BT 234.29 514.10 Td (ef) Tj ET Q q 0 0 0 rg BT 241.88 514.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 271.19 514.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 302.74 514.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 319.85 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 330.29 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 344.47 514.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 366.59 514.10 Td (accounts. ) Tj ET Q q 0 0 0 rg BT 406.04 514.10 Td (The ) Tj ET Q q 0 0 0 rg BT 423.70 514.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 451.92 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 462.37 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 476.70 514.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 512.13 514.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 544.24 514.10 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 502.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 110.54 502.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 130.81 502.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 151.64 502.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 184.14 502.10 Td (is ) Tj ET Q q 0 0 0 rg BT 193.31 502.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 230.78 502.10 Td (as ) Tj ET Q q 0 0 0 rg BT 241.61 502.10 Td (an ) Tj ET Q q 0 0 0 rg BT 253.55 502.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 296.58 502.10 Td (for ) Tj ET Q q 0 0 0 rg BT 310.74 502.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 328.80 502.10 Td (on ) Tj ET Q q 0 0 0 rg BT 341.30 502.10 Td (those ) Tj ET Q q 0 0 0 rg BT 364.91 502.10 Td (accounts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.90 502.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.07 484.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.36 484.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 121.41 484.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.41 484.10 Td ( ) Tj ET Q q 0 0 0 rg BT 143.37 484.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.77 484.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.77 484.10 Td (, ) Tj ET Q q 0 0 0 rg BT 184.22 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 198.40 484.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 230.89 484.10 Td (of ) Tj ET Q q 0 0 0 rg BT 241.17 484.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 283.66 484.10 Td (for ) Tj ET Q q 0 0 0 rg BT 297.28 484.10 Td (doubtful ) Tj ET Q q 0 0 0 rg BT 333.12 484.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 370.07 484.10 Td (and ) Tj ET Q q 0 0 0 rg BT 386.46 484.10 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 440.06 484.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 471.45 484.10 Td (for ) Tj ET Q q 0 0 0 rg BT 485.07 484.10 Td (non-TDR ) Tj ET Q q 0 0 0 rg BT 525.36 484.10 Td (customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 97.92 472.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.43 472.10 Td ($148.9 ) Tj ET Q q 0 0 0 rg BT 146.88 472.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.77 472.10 Td ( ) Tj ET Q q 0 0 0 rg BT 178.72 472.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.11 472.10 Td ($159.0 ) Tj ET Q q 0 0 0 rg BT 226.56 472.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.45 472.10 Td (, ) Tj ET Q q 0 0 0 rg BT 260.91 472.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 308.57 472.10 Td (. ) Tj ET Q q 0 0 0 rg BT 313.37 472.10 Td (As ) Tj ET Q q 0 0 0 rg BT 327.43 472.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.71 472.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 387.76 472.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.76 472.10 Td ( ) Tj ET Q q 0 0 0 rg BT 410.72 472.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.11 472.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.11 472.10 Td (, ) Tj ET Q q 0 0 0 rg BT 453.56 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 468.73 472.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 501.67 472.10 Td (included ) Tj ET Q q 0 0 0 rg BT 539.06 472.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 472.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 93.63 460.10 Td (for ) Tj ET Q q 0 0 0 rg BT 108.38 460.10 Td (doubtful ) Tj ET Q q 0 0 0 rg BT 145.37 460.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 183.45 460.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 227.64 460.10 Td (with ) Tj ET Q q 0 0 0 rg BT 248.51 460.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 287.15 460.10 Td (and ) Tj ET Q q 0 0 0 rg BT 304.68 460.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 337.21 460.10 Td (on ) Tj ET Q q 0 0 0 rg BT 350.08 460.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 373.18 460.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 411.26 460.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.91 460.10 Td ($54.7 ) Tj ET Q q 0 0 0 rg BT 455.50 460.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.40 460.10 Td ( ) Tj ET Q q 0 0 0 rg BT 487.49 460.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.03 460.10 Td ($51.2 ) Tj ET Q q 0 0 0 rg BT 530.62 460.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.51 460.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.66 448.10 Td (. ) Tj ET Q q 0 0 0 rg BT 101.82 448.10 Td (A) Tj ET Q q 0 0 0 rg BT 108.49 448.10 Td ( ) Tj ET Q q 0 0 0 rg BT 110.63 448.10 Td (100 ) Tj ET Q q 0 0 0 rg BT 127.76 448.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 149.89 448.10 Td (point ) Tj ET Q q 0 0 0 rg BT 172.58 448.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 207.47 448.10 Td (in ) Tj ET Q q 0 0 0 rg BT 217.38 448.10 Td (our ) Tj ET Q q 0 0 0 rg BT 232.84 448.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 273.29 448.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 296.54 448.10 Td (char) Tj ET Q q 0 0 0 rg BT 313.57 448.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 334.49 448.10 Td (f ) Tj ET Q q 0 0 0 rg BT 339.95 448.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 357.07 448.10 Td (would ) Tj ET Q q 0 0 0 rg BT 384.20 448.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 419.09 448.10 Td (our ) Tj ET Q q 0 0 0 rg BT 434.55 448.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 477.21 448.10 Td (for ) Tj ET Q q 0 0 0 rg BT 491.01 448.10 Td (doubtful ) Tj ET Q q 0 0 0 rg BT 527.03 448.10 Td (accounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.48 436.10 Td (our ) Tj ET Q q 0 0 0 rg BT 80.63 436.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 120.10 436.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 157.91 436.10 Td (receivable ) Tj ET Q q 0 0 0 rg BT 201.81 436.10 Td (by ) Tj ET Q q 0 0 0 rg BT 214.63 436.10 Td ($10.8 ) Tj ET Q q 0 0 0 rg BT 239.95 436.10 Td (million ) Tj ET Q q 0 0 0 rg BT 271.66 436.10 Td (over ) Tj ET Q q 0 0 0 rg BT 292.25 436.10 Td (a ) Tj ET Q q 0 0 0 rg BT 299.51 436.10 Td (12-month ) Tj ET Q q 0 0 0 rg BT 341.21 436.10 Td (period ) Tj ET Q q 0 0 0 rg BT 369.58 436.10 Td (based ) Tj ET Q q 0 0 0 rg BT 395.17 436.10 Td (on ) Tj ET Q q 0 0 0 rg BT 407.99 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 423.02 436.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 456.38 436.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 505.86 436.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.90 436.10 Td (January31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 424.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 83.91 406.10 Td (income ) Tj ET Q q 0 0 0 rg BT 116.14 406.10 Td (on ) Tj ET Q q 0 0 0 rg BT 128.93 406.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 168.95 406.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 207.85 406.10 Td (receivable) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 249.49 406.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.73 406.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 288.95 406.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 323.12 406.10 Td (which ) Tj ET Q q 0 0 0 rg BT 349.79 406.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 385.35 406.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 417.02 406.10 Td (income ) Tj ET Q q 0 0 0 rg BT 448.69 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 465.36 406.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 518.14 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 528.70 406.10 Td (deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 68.42 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 85.19 394.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 131.39 394.10 Td (costs, ) Tj ET Q q 0 0 0 rg BT 156.22 394.10 Td (is ) Tj ET Q q 0 0 0 rg BT 165.21 394.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 202.51 394.10 Td (using ) Tj ET Q q 0 0 0 rg BT 226.50 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 241.04 394.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 272.80 394.10 Td (method ) Tj ET Q q 0 0 0 rg BT 305.12 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 321.88 394.10 Td (is ) Tj ET Q q 0 0 0 rg BT 330.88 394.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 368.17 394.10 Td (in ) Tj ET Q q 0 0 0 rg BT 378.28 394.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 410.02 394.10 Td (char) Tj ET Q q 0 0 0 rg BT 427.05 394.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 442.71 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 459.47 394.10 Td (other ) Tj ET Q q 0 0 0 rg BT 482.34 394.10 Td (revenues. ) Tj ET Q q 0 0 0 rg BT 522.53 394.10 Td (T) Tj ET Q q 0 0 0 rg BT 527.94 394.10 Td (ypically) Tj ET Q q 0 0 0 rg BT 559.50 394.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 82.81 382.10 Td (income ) Tj ET Q q 0 0 0 rg BT 115.62 382.10 Td (is ) Tj ET Q q 0 0 0 rg BT 125.66 382.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 164.01 382.10 Td (until ) Tj ET Q q 0 0 0 rg BT 185.73 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 201.32 382.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 241.35 382.10 Td (account ) Tj ET Q q 0 0 0 rg BT 275.82 382.10 Td (is ) Tj ET Q q 0 0 0 rg BT 285.86 382.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 306.46 382.10 Td (of) Tj ET Q q 0 0 0 rg BT 314.60 382.10 Td (f ) Tj ET Q q 0 0 0 rg BT 321.31 382.10 Td (or ) Tj ET Q q 0 0 0 rg BT 333.02 382.10 Td (char) Tj ET Q q 0 0 0 rg BT 350.04 382.10 Td (ged-of) Tj ET Q q 0 0 0 rg BT 375.96 382.10 Td (f, ) Tj ET Q q 0 0 0 rg BT 385.17 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 402.98 382.10 Td (we ) Tj ET Q q 0 0 0 rg BT 418.02 382.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 451.94 382.10 Td (an ) Tj ET Q q 0 0 0 rg BT 464.75 382.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 508.66 382.10 Td (for ) Tj ET Q q 0 0 0 rg BT 523.69 382.10 Td (estimated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 104.09 370.10 Td (interest. ) Tj ET Q q 0 0 0 rg BT 137.93 370.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 157.60 370.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 204.46 370.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 236.34 370.10 Td (income ) Tj ET Q q 0 0 0 rg BT 268.22 370.10 Td (received ) Tj ET Q q 0 0 0 rg BT 304.53 370.10 Td (from ) Tj ET Q q 0 0 0 rg BT 326.41 370.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 369.40 370.10 Td (in ) Tj ET Q q 0 0 0 rg BT 379.63 370.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 408.17 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 418.95 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 433.61 370.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 465.49 370.10 Td (income ) Tj ET Q q 0 0 0 rg BT 497.37 370.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 540.34 370.10 Td (using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.28 358.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 95.77 358.10 Td (method ) Tj ET Q q 0 0 0 rg BT 127.83 358.10 Td (is ) Tj ET Q q 0 0 0 rg BT 136.56 358.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 173.60 358.10 Td (as ) Tj ET Q q 0 0 0 rg BT 183.99 358.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 219.36 358.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 253.07 358.10 Td (on ) Tj ET Q q 0 0 0 rg BT 265.13 358.10 Td (our ) Tj ET Q q 0 0 0 rg BT 280.52 358.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 313.12 358.10 Td (sheets. ) Tj ET Q q 0 0 0 rg BT 341.66 358.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.72 358.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 401.88 358.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.88 358.10 Td ( ) Tj ET Q q 0 0 0 rg BT 423.95 358.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.45 358.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.45 358.10 Td (, ) Tj ET Q q 0 0 0 rg BT 465.01 358.10 Td (there ) Tj ET Q q 0 0 0 rg BT 487.06 358.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.55 358.10 Td ($12.5 ) Tj ET Q q 0 0 0 rg BT 533.11 358.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.53 346.10 Td ($13.7 ) Tj ET Q q 0 0 0 rg BT 91.13 346.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.02 346.10 Td (, ) Tj ET Q q 0 0 0 rg BT 124.61 346.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 172.28 346.10 Td (, ) Tj ET Q q 0 0 0 rg BT 176.87 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 187.29 346.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 222.70 346.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 254.22 346.10 Td (included ) Tj ET Q q 0 0 0 rg BT 290.75 346.10 Td (in ) Tj ET Q q 0 0 0 rg BT 300.63 346.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 336.03 346.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 373.66 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 390.19 346.10 Td (other ) Tj ET Q q 0 0 0 rg BT 412.83 346.10 Td (credits ) Tj ET Q q 0 0 0 rg BT 441.58 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 458.12 346.10 Td (other ) Tj ET Q q 0 0 0 rg BT 480.76 346.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 522.29 346.10 Td (liabilities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 334.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 103.85 334.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 135.79 334.10 Td (will ) Tj ET Q q 0 0 0 rg BT 153.84 334.10 Td (ultimately ) Tj ET Q q 0 0 0 rg BT 196.89 334.10 Td (be ) Tj ET Q q 0 0 0 rg BT 208.83 334.10 Td (brought ) Tj ET Q q 0 0 0 rg BT 242.44 334.10 Td (into ) Tj ET Q q 0 0 0 rg BT 260.49 334.10 Td (income ) Tj ET Q q 0 0 0 rg BT 292.43 334.10 Td (as ) Tj ET Q q 0 0 0 rg BT 303.26 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 317.97 334.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 355.46 334.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 372.40 334.10 Td (of) Tj ET Q q 0 0 0 rg BT 380.55 334.10 Td (f ) Tj ET Q q 0 0 0 rg BT 386.38 334.10 Td (or ) Tj ET Q q 0 0 0 rg BT 397.21 334.10 Td (char) Tj ET Q q 0 0 0 rg BT 414.23 334.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 435.15 334.10 Td (f.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 316.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.39 316.10 Td (of) Tj ET Q q 0 0 0 rg BT 73.54 316.10 Td (fer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.96 316.10 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.96 316.10 Td (-and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 117.05 316.10 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.05 316.10 Td (-month ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.25 316.10 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.25 316.10 Td (-interest ) Tj ET Q q 0 0 0 rg BT 203.33 316.10 Td (option ) Tj ET Q q 0 0 0 rg BT 231.21 316.10 Td (programs. ) Tj ET Q q 0 0 0 rg BT 273.80 316.10 Td (If ) Tj ET Q q 0 0 0 rg BT 282.78 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 297.31 316.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 336.28 316.10 Td (is ) Tj ET Q q 0 0 0 rg BT 345.27 316.10 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 389.80 316.10 Td (in ) Tj ET Q q 0 0 0 rg BT 399.90 316.10 Td (making ) Tj ET Q q 0 0 0 rg BT 432.21 316.10 Td (a ) Tj ET Q q 0 0 0 rg BT 438.97 316.10 Td (scheduled ) Tj ET Q q 0 0 0 rg BT 481.27 316.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 516.93 316.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 553.68 316.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (does ) Tj ET Q q 0 0 0 rg BT 70.85 304.10 Td (not ) Tj ET Q q 0 0 0 rg BT 86.16 304.10 Td (repay ) Tj ET Q q 0 0 0 rg BT 110.89 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 125.63 304.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 163.70 304.10 Td (in ) Tj ET Q q 0 0 0 rg BT 174.00 304.10 Td (full ) Tj ET Q q 0 0 0 rg BT 190.41 304.10 Td (by ) Tj ET Q q 0 0 0 rg BT 202.93 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 217.68 304.10 Td (end ) Tj ET Q q 0 0 0 rg BT 234.64 304.10 Td (of ) Tj ET Q q 0 0 0 rg BT 245.49 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 260.23 304.10 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 305.52 304.10 Td (option ) Tj ET Q q 0 0 0 rg BT 333.60 304.10 Td (program ) Tj ET Q q 0 0 0 rg BT 370.00 304.10 Td (period ) Tj ET Q q 0 0 0 rg BT 398.08 304.10 Td (\(grace ) Tj ET Q q 0 0 0 rg BT 425.58 304.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 457.54 304.10 Td (are ) Tj ET Q q 0 0 0 rg BT 472.27 304.10 Td (provided\), ) Tj ET Q q 0 0 0 rg BT 516.17 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 530.91 304.10 Td (account ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (does ) Tj ET Q q 0 0 0 rg BT 71.17 292.10 Td (not ) Tj ET Q q 0 0 0 rg BT 86.80 292.10 Td (qualify ) Tj ET Q q 0 0 0 rg BT 117.97 292.10 Td (for ) Tj ET Q q 0 0 0 rg BT 132.47 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.53 292.10 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 193.14 292.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 233.76 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 251.04 292.10 Td (none ) Tj ET Q q 0 0 0 rg BT 273.33 292.10 Td (of ) Tj ET Q q 0 0 0 rg BT 284.50 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 299.56 292.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 331.84 292.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 361.33 292.10 Td (is ) Tj ET Q q 0 0 0 rg BT 370.84 292.10 Td (waived. ) Tj ET Q q 0 0 0 rg BT 405.07 292.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 437.90 292.10 Td (income ) Tj ET Q q 0 0 0 rg BT 470.17 292.10 Td (is ) Tj ET Q q 0 0 0 rg BT 479.69 292.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 526.39 292.10 Td (based ) Tj ET Q q 0 0 0 rg BT 552.01 292.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 90.49 280.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 123.74 280.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 155.35 280.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 184.16 280.10 Td (to ) Tj ET Q q 0 0 0 rg BT 194.11 280.10 Td (date ) Tj ET Q q 0 0 0 rg BT 212.93 280.10 Td (on ) Tj ET Q q 0 0 0 rg BT 225.10 280.10 Td (all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.27 280.10 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.27 280.10 Td (-interest ) Tj ET Q q 0 0 0 rg BT 282.20 280.10 Td (option ) Tj ET Q q 0 0 0 rg BT 309.93 280.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 341.52 280.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 381.46 280.10 Td (with ) Tj ET Q q 0 0 0 rg BT 401.41 280.10 Td (an ) Tj ET Q q 0 0 0 rg BT 413.01 280.10 Td (of) Tj ET Q q 0 0 0 rg BT 421.16 280.10 Td (fsetting ) Tj ET Q q 0 0 0 rg BT 453.33 280.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 484.36 280.10 Td (for ) Tj ET Q q 0 0 0 rg BT 498.19 280.10 Td (those ) Tj ET Q q 0 0 0 rg BT 521.47 280.10 Td (customers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 88.26 268.10 Td (to ) Tj ET Q q 0 0 0 rg BT 98.77 268.10 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 127.61 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.55 268.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 197.49 268.10 Td (of ) Tj ET Q q 0 0 0 rg BT 208.54 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 223.49 268.10 Td (program ) Tj ET Q q 0 0 0 rg BT 260.10 268.10 Td (based ) Tj ET Q q 0 0 0 rg BT 285.60 268.10 Td (on ) Tj ET Q q 0 0 0 rg BT 298.33 268.10 Td (our ) Tj ET Q q 0 0 0 rg BT 314.38 268.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 354.33 268.10 Td (experience. ) Tj ET Q q 0 0 0 rg BT 402.66 268.10 Td (W) Tj ET Q q 0 0 0 rg BT 411.30 268.10 Td (e ) Tj ET Q q 0 0 0 rg BT 418.46 268.10 Td (discontinued ) Tj ET Q q 0 0 0 rg BT 472.30 268.10 Td (of) Tj ET Q q 0 0 0 rg BT 480.45 268.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 507.05 268.10 Td (our ) Tj ET Q q 0 0 0 rg BT 523.11 268.10 Td (18-month ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 95.26 256.10 Td (option ) Tj ET Q q 0 0 0 rg BT 123.32 256.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 155.24 256.10 Td (program ) Tj ET Q q 0 0 0 rg BT 191.62 256.10 Td (after ) Tj ET Q q 0 0 0 rg BT 212.44 256.10 Td (January ) Tj ET Q q 0 0 0 rg BT 246.04 256.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 261.04 256.10 Td (2018. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (No) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.22 238.10 Td (-interest ) Tj ET Q q 0 0 0 rg BT 96.60 238.10 Td (option ) Tj ET Q q 0 0 0 rg BT 123.77 238.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 154.81 238.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 194.20 238.10 Td (with ) Tj ET Q q 0 0 0 rg BT 213.59 238.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 237.43 238.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 266.80 238.10 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.63 238.10 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.63 238.10 Td ( ) Tj ET Q q 0 0 0 rg BT 297.25 238.10 Td (months ) Tj ET Q q 0 0 0 rg BT 328.31 238.10 Td (are ) Tj ET Q q 0 0 0 rg BT 342.13 238.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 387.08 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 396.47 238.10 Td (their ) Tj ET Q q 0 0 0 rg BT 416.41 238.10 Td (present ) Tj ET Q q 0 0 0 rg BT 446.90 238.10 Td (value ) Tj ET Q q 0 0 0 rg BT 470.18 238.10 Td (at ) Tj ET Q q 0 0 0 rg BT 479.01 238.10 Td (origination, ) Tj ET Q q 0 0 0 rg BT 527.01 238.10 Td (resulting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.58 226.10 Td (a ) Tj ET Q q 0 0 0 rg BT 67.82 226.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 108.38 226.10 Td (in ) Tj ET Q q 0 0 0 rg BT 118.96 226.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 141.20 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 158.44 226.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 197.89 226.10 Td (receivables, ) Tj ET Q q 0 0 0 rg BT 248.16 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 265.40 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.42 226.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 317.11 226.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 349.90 226.10 Td (is ) Tj ET Q q 0 0 0 rg BT 359.37 226.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 402.15 226.10 Td (into ) Tj ET Q q 0 0 0 rg BT 420.51 226.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 452.73 226.10 Td (char) Tj ET Q q 0 0 0 rg BT 469.76 226.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 485.89 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 503.13 226.10 Td (other ) Tj ET Q q 0 0 0 rg BT 526.48 226.10 Td (revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (over ) Tj ET Q q 0 0 0 rg BT 70.27 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.99 214.10 Td (term ) Tj ET Q q 0 0 0 rg BT 105.81 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 116.64 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 131.36 214.10 Td (contract.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 196.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.27 196.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 106.33 196.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 137.95 196.10 Td (income ) Tj ET Q q 0 0 0 rg BT 169.58 196.10 Td (on ) Tj ET Q q 0 0 0 rg BT 181.62 196.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 203.81 196.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 240.99 196.10 Td (using ) Tj ET Q q 0 0 0 rg BT 264.85 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.26 196.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 310.89 196.10 Td (income ) Tj ET Q q 0 0 0 rg BT 342.52 196.10 Td (method, ) Tj ET Q q 0 0 0 rg BT 377.21 196.10 Td (which ) Tj ET Q q 0 0 0 rg BT 403.84 196.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 438.24 196.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 477.09 196.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 508.72 196.10 Td (income ) Tj ET Q q 0 0 0 rg BT 540.34 196.10 Td (equal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.06 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.56 184.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 109.60 184.10 Td (in ) Tj ET Q q 0 0 0 rg BT 119.66 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 134.17 184.10 Td (net ) Tj ET Q q 0 0 0 rg BT 148.67 184.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 184.27 184.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 216.54 184.10 Td (of ) Tj ET Q q 0 0 0 rg BT 227.16 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 241.66 184.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 261.16 184.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 308.98 184.10 Td (to ) Tj ET Q q 0 0 0 rg BT 319.04 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 333.55 184.10 Td (passage ) Tj ET Q q 0 0 0 rg BT 366.93 184.10 Td (of ) Tj ET Q q 0 0 0 rg BT 377.54 184.10 Td (time. ) Tj ET Q q 0 0 0 rg BT 400.10 184.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 422.38 184.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 460.21 184.10 Td (and ) Tj ET Q q 0 0 0 rg BT 476.93 184.10 Td (other ) Tj ET Q q 0 0 0 rg BT 499.76 184.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 549.82 184.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 81.93 172.10 Td (to ) Tj ET Q q 0 0 0 rg BT 92.21 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 106.93 172.10 Td (net ) Tj ET Q q 0 0 0 rg BT 121.65 172.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 157.46 172.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 189.96 172.10 Td (such ) Tj ET Q q 0 0 0 rg BT 210.79 172.10 Td (that ) Tj ET Q q 0 0 0 rg BT 228.28 172.10 Td (it ) Tj ET Q q 0 0 0 rg BT 236.34 172.10 Td (equals ) Tj ET Q q 0 0 0 rg BT 264.38 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.10 172.10 Td (present ) Tj ET Q q 0 0 0 rg BT 310.48 172.10 Td (value ) Tj ET Q q 0 0 0 rg BT 334.63 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 345.46 172.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 383.50 172.10 Td (future ) Tj ET Q q 0 0 0 rg BT 409.87 172.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 430.14 172.10 Td (flows.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 154.10 Td (e ) Tj ET Q q 0 0 0 rg BT 66.11 154.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 104.14 154.10 Td (only ) Tj ET Q q 0 0 0 rg BT 124.95 154.10 Td (place ) Tj ET Q q 0 0 0 rg BT 149.08 154.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 187.10 154.10 Td (in ) Tj ET Q q 0 0 0 rg BT 197.92 154.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 248.15 154.10 Td (status ) Tj ET Q q 0 0 0 rg BT 273.96 154.10 Td (when ) Tj ET Q q 0 0 0 rg BT 298.66 154.10 Td (legally ) Tj ET Q q 0 0 0 rg BT 328.91 154.10 Td (required. ) Tj ET Q q 0 0 0 rg BT 367.76 154.10 Td (Payments ) Tj ET Q q 0 0 0 rg BT 409.68 154.10 Td (received ) Tj ET Q q 0 0 0 rg BT 446.58 154.10 Td (on ) Tj ET Q q 0 0 0 rg BT 459.62 154.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 509.84 154.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 533.99 154.10 Td (will ) Tj ET Q q 0 0 0 rg BT 552.58 154.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 81.47 142.10 Td (to ) Tj ET Q q 0 0 0 rg BT 91.29 142.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 128.87 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 145.35 142.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 174.04 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.29 142.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 220.33 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 230.70 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 244.96 142.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 266.26 142.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.30 142.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 326.44 142.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.44 142.10 Td ( ) Tj ET Q q 0 0 0 rg BT 348.48 142.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.96 142.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.96 142.10 Td (, ) Tj ET Q q 0 0 0 rg BT 389.50 142.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 428.20 142.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 475.21 142.10 Td (carried ) Tj ET Q q 0 0 0 rg BT 505.00 142.10 Td (in ) Tj ET Q q 0 0 0 rg BT 514.82 142.10 Td (non-accrual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (status ) Tj ET Q q 0 0 0 rg BT 74.17 130.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.99 130.10 Td ($16.9 ) Tj ET Q q 0 0 0 rg BT 118.89 130.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.78 130.10 Td ( ) Tj ET Q q 0 0 0 rg BT 149.17 130.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.00 130.10 Td ($22.9 ) Tj ET Q q 0 0 0 rg BT 188.90 130.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.79 130.10 Td (, ) Tj ET Q q 0 0 0 rg BT 221.68 130.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 269.34 130.10 Td (, ) Tj ET Q q 0 0 0 rg BT 273.23 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 282.96 130.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.79 130.10 Td ($14.5 ) Tj ET Q q 0 0 0 rg BT 332.68 130.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.57 130.10 Td ( ) Tj ET Q q 0 0 0 rg BT 362.97 130.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.80 130.10 Td ($19.5 ) Tj ET Q q 0 0 0 rg BT 402.69 130.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.58 130.10 Td (, ) Tj ET Q q 0 0 0 rg BT 435.48 130.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 483.14 130.10 Td (, ) Tj ET Q q 0 0 0 rg BT 487.03 130.10 Td (were ) Tj ET Q q 0 0 0 rg BT 507.85 130.10 Td (in ) Tj ET Q q 0 0 0 rg BT 517.02 130.10 Td (bankruptcy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (status ) Tj ET Q q 0 0 0 rg BT 75.60 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 92.87 118.10 Td (less ) Tj ET Q q 0 0 0 rg BT 110.69 118.10 Td (than ) Tj ET Q q 0 0 0 rg BT 130.73 118.10 Td (60 ) Tj ET Q q 0 0 0 rg BT 143.56 118.10 Td (days ) Tj ET Q q 0 0 0 rg BT 164.71 118.10 Td (past ) Tj ET Q q 0 0 0 rg BT 183.65 118.10 Td (due. ) Tj ET Q q 0 0 0 rg BT 203.41 118.10 Td ( ) Tj ET Q q 0 0 0 rg BT 205.61 118.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.43 118.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 267.36 118.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.36 118.10 Td ( ) Tj ET Q q 0 0 0 rg BT 290.18 118.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.45 118.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.45 118.10 Td (, ) Tj ET Q q 0 0 0 rg BT 332.77 118.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 372.25 118.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 420.05 118.10 Td (that ) Tj ET Q q 0 0 0 rg BT 437.87 118.10 Td (were ) Tj ET Q q 0 0 0 rg BT 460.12 118.10 Td (past ) Tj ET Q q 0 0 0 rg BT 479.05 118.10 Td (due ) Tj ET Q q 0 0 0 rg BT 496.31 118.10 Td (90 ) Tj ET Q q 0 0 0 rg BT 509.14 118.10 Td (days ) Tj ET Q q 0 0 0 rg BT 530.29 118.10 Td (or ) Tj ET Q q 0 0 0 rg BT 541.45 118.10 Td (more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 106.10 Td (still ) Tj ET Q q 0 0 0 rg BT 84.44 106.10 Td (accruing ) Tj ET Q q 0 0 0 rg BT 121.37 106.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 153.30 106.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.01 106.10 Td ($109.7 ) Tj ET Q q 0 0 0 rg BT 213.01 106.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.90 106.10 Td ( ) Tj ET Q q 0 0 0 rg BT 244.40 106.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.34 106.10 Td ($124.0 ) Tj ET Q q 0 0 0 rg BT 291.34 106.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.23 106.10 Td (, ) Tj ET Q q 0 0 0 rg BT 325.23 106.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 372.90 106.10 Td (. ) Tj ET Q endstream endobj 111 0 obj <>] /Rotate 0 /Contents 112 0 R>> endobj 112 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (54) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Inventories. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 102.03 742.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.53 742.25 Td (Inventories ) Tj ET Q q 0 0 0 rg BT 152.38 742.25 Td (consist ) Tj ET Q q 0 0 0 rg BT 183.02 742.25 Td (of ) Tj ET Q q 0 0 0 rg BT 194.22 742.25 Td (merchandise ) Tj ET Q q 0 0 0 rg BT 247.61 742.25 Td (purchased ) Tj ET Q q 0 0 0 rg BT 291.02 742.25 Td (for ) Tj ET Q q 0 0 0 rg BT 305.54 742.25 Td (resale ) Tj ET Q q 0 0 0 rg BT 331.72 742.25 Td (and ) Tj ET Q q 0 0 0 rg BT 349.02 742.25 Td (service ) Tj ET Q q 0 0 0 rg BT 380.20 742.25 Td (parts ) Tj ET Q q 0 0 0 rg BT 402.50 742.25 Td (and ) Tj ET Q q 0 0 0 rg BT 419.80 742.25 Td (are ) Tj ET Q q 0 0 0 rg BT 434.88 742.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 472.71 742.25 Td (at ) Tj ET Q q 0 0 0 rg BT 482.80 742.25 Td (the ) Tj ET Q q 0 0 0 rg BT 497.88 742.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 523.51 742.25 Td (of ) Tj ET Q q 0 0 0 rg BT 534.70 742.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 553.67 742.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td (market. ) Tj ET Q q 0 0 0 rg BT 82.85 730.25 Td (The ) Tj ET Q q 0 0 0 rg BT 101.18 730.25 Td (carrying ) Tj ET Q q 0 0 0 rg BT 137.28 730.25 Td (value ) Tj ET Q q 0 0 0 rg BT 161.72 730.25 Td (of ) Tj ET Q q 0 0 0 rg BT 172.84 730.25 Td (the ) Tj ET Q q 0 0 0 rg BT 187.84 730.25 Td (inventory ) Tj ET Q q 0 0 0 rg BT 228.95 730.25 Td (is ) Tj ET Q q 0 0 0 rg BT 238.41 730.25 Td (reduced ) Tj ET Q q 0 0 0 rg BT 272.84 730.25 Td (to ) Tj ET Q q 0 0 0 rg BT 283.40 730.25 Td (its ) Tj ET Q q 0 0 0 rg BT 295.64 730.25 Td (net ) Tj ET Q q 0 0 0 rg BT 310.64 730.25 Td (realizable ) Tj ET Q q 0 0 0 rg BT 352.28 730.25 Td (value ) Tj ET Q q 0 0 0 rg BT 376.72 730.25 Td (for ) Tj ET Q q 0 0 0 rg BT 391.17 730.25 Td (any ) Tj ET Q q 0 0 0 rg BT 408.39 730.25 Td (items ) Tj ET Q q 0 0 0 rg BT 432.84 730.25 Td (with ) Tj ET Q q 0 0 0 rg BT 453.41 730.25 Td (excess ) Tj ET Q q 0 0 0 rg BT 482.29 730.25 Td (of ) Tj ET Q q 0 0 0 rg BT 493.41 730.25 Td (carrying ) Tj ET Q q 0 0 0 rg BT 529.51 730.25 Td (amount, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (typically ) Tj ET Q q 0 0 0 rg BT 87.19 718.25 Td (weighted-average ) Tj ET Q q 0 0 0 rg BT 160.45 718.25 Td (cost, ) Tj ET Q q 0 0 0 rg BT 181.26 718.25 Td (over ) Tj ET Q q 0 0 0 rg BT 201.22 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 215.63 718.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 247.83 718.25 Td (we ) Tj ET Q q 0 0 0 rg BT 261.68 718.25 Td (expect ) Tj ET Q q 0 0 0 rg BT 289.97 718.25 Td (to ) Tj ET Q q 0 0 0 rg BT 299.95 718.25 Td (realize ) Tj ET Q q 0 0 0 rg BT 328.78 718.25 Td (from ) Tj ET Q q 0 0 0 rg BT 350.42 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 364.83 718.25 Td (ultimate ) Tj ET Q q 0 0 0 rg BT 399.80 718.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 417.54 718.25 Td (or ) Tj ET Q q 0 0 0 rg BT 428.07 718.25 Td (other ) Tj ET Q q 0 0 0 rg BT 450.81 718.25 Td (disposition ) Tj ET Q q 0 0 0 rg BT 496.90 718.25 Td (of ) Tj ET Q q 0 0 0 rg BT 507.43 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 521.84 718.25 Td (inventory) Tj ET Q q 0 0 0 rg BT 559.52 718.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (with ) Tj ET Q q 0 0 0 rg BT 69.50 706.25 Td (a ) Tj ET Q q 0 0 0 rg BT 75.65 706.25 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 134.58 706.25 Td (char) Tj ET Q q 0 0 0 rg BT 151.60 706.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 162.76 706.25 Td (to ) Tj ET Q q 0 0 0 rg BT 172.26 706.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 190.08 706.25 Td (of ) Tj ET Q q 0 0 0 rg BT 200.13 706.25 Td (sales. ) Tj ET Q q 0 0 0 rg BT 223.79 706.25 Td ( ) Tj ET Q q 0 0 0 rg BT 225.38 706.25 Td (The ) Tj ET Q q 0 0 0 rg BT 242.64 706.25 Td (write-down ) Tj ET Q q 0 0 0 rg BT 290.46 706.25 Td (of ) Tj ET Q q 0 0 0 rg BT 300.51 706.25 Td (inventory ) Tj ET Q q 0 0 0 rg BT 340.55 706.25 Td (to ) Tj ET Q q 0 0 0 rg BT 350.05 706.25 Td (net ) Tj ET Q q 0 0 0 rg BT 363.98 706.25 Td (realizable ) Tj ET Q q 0 0 0 rg BT 404.56 706.25 Td (value ) Tj ET Q q 0 0 0 rg BT 427.93 706.25 Td (is ) Tj ET Q q 0 0 0 rg BT 436.32 706.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 476.36 706.25 Td (based ) Tj ET Q q 0 0 0 rg BT 500.84 706.25 Td (on ) Tj ET Q q 0 0 0 rg BT 512.56 706.25 Td (assumptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (regarding ) Tj ET Q q 0 0 0 rg BT 89.85 694.25 Td (inventory ) Tj ET Q q 0 0 0 rg BT 129.71 694.25 Td (aging, ) Tj ET Q q 0 0 0 rg BT 155.97 694.25 Td (historical ) Tj ET Q q 0 0 0 rg BT 194.72 694.25 Td (product ) Tj ET Q q 0 0 0 rg BT 226.80 694.25 Td (sales, ) Tj ET Q q 0 0 0 rg BT 250.28 694.25 Td (and ) Tj ET Q q 0 0 0 rg BT 266.25 694.25 Td (obsolescence ) Tj ET Q q 0 0 0 rg BT 320.54 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 330.41 694.25 Td (products ) Tj ET Q q 0 0 0 rg BT 366.39 694.25 Td (on ) Tj ET Q q 0 0 0 rg BT 377.92 694.25 Td (hand.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.86 694.25 Td ( ) Tj ET Q q 0 0 0 rg BT 401.40 694.25 Td ( ) Tj ET Q q 0 0 0 rg BT 402.94 694.25 Td ( ) Tj ET Q q 0 0 0 rg BT 404.13 694.25 Td (A) Tj ET Q q 0 0 0 rg BT 410.80 694.25 Td ( ) Tj ET Q q 0 0 0 rg BT 412.34 694.25 Td (10% ) Tj ET Q q 0 0 0 rg BT 432.21 694.25 Td (dif) Tj ET Q q 0 0 0 rg BT 443.14 694.25 Td (ference ) Tj ET Q q 0 0 0 rg BT 474.09 694.25 Td (in ) Tj ET Q q 0 0 0 rg BT 483.40 694.25 Td (our ) Tj ET Q q 0 0 0 rg BT 498.27 694.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 523.68 694.25 Td (inventory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (reserve ) Tj ET Q q 0 0 0 rg BT 81.37 682.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.08 682.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 139.68 682.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.68 682.25 Td (, ) Tj ET Q q 0 0 0 rg BT 164.68 682.25 Td (would ) Tj ET Q q 0 0 0 rg BT 192.18 682.25 Td (have ) Tj ET Q q 0 0 0 rg BT 213.56 682.25 Td (af) Tj ET Q q 0 0 0 rg BT 221.15 682.25 Td (fected ) Tj ET Q q 0 0 0 rg BT 248.07 682.25 Td (our ) Tj ET Q q 0 0 0 rg BT 263.90 682.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 282.51 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 293.34 682.25 Td (goods ) Tj ET Q q 0 0 0 rg BT 319.73 682.25 Td (sold ) Tj ET Q q 0 0 0 rg BT 338.90 682.25 Td (by ) Tj ET Q q 0 0 0 rg BT 351.40 682.25 Td ($0.4 ) Tj ET Q q 0 0 0 rg BT 371.40 682.25 Td (million.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 664.25 Td (Impairment ) Tj ET Q q 0 0 0 rg BT 100.96 664.25 Td (of ) Tj ET Q q 0 0 0 rg BT 111.35 664.25 Td (Long-Lived ) Tj ET Q q 0 0 0 rg BT 160.87 664.25 Td (Assets.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 188.93 664.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.50 664.25 Td (Long-lived ) Tj ET Q q 0 0 0 rg BT 239.99 664.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 265.39 664.25 Td (are ) Tj ET Q q 0 0 0 rg BT 279.66 664.25 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 320.03 664.25 Td (for ) Tj ET Q q 0 0 0 rg BT 333.75 664.25 Td (impairment, ) Tj ET Q q 0 0 0 rg BT 384.42 664.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 423.69 664.25 Td (at ) Tj ET Q q 0 0 0 rg BT 432.97 664.25 Td (the ) Tj ET Q q 0 0 0 rg BT 447.25 664.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 469.85 664.25 Td (store ) Tj ET Q q 0 0 0 rg BT 491.36 664.25 Td (level. ) Tj ET Q q 0 0 0 rg BT 515.20 664.25 Td (W) Tj ET Q q 0 0 0 rg BT 523.84 664.25 Td (e ) Tj ET Q q 0 0 0 rg BT 530.34 664.25 Td (monitor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.25 Td (store ) Tj ET Q q 0 0 0 rg BT 71.74 652.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 124.56 652.25 Td (in ) Tj ET Q q 0 0 0 rg BT 134.64 652.25 Td (order ) Tj ET Q q 0 0 0 rg BT 158.04 652.25 Td (to ) Tj ET Q q 0 0 0 rg BT 168.12 652.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 194.86 652.25 Td (if ) Tj ET Q q 0 0 0 rg BT 203.27 652.25 Td (events ) Tj ET Q q 0 0 0 rg BT 231.11 652.25 Td (or ) Tj ET Q q 0 0 0 rg BT 241.74 652.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 276.25 652.25 Td (in ) Tj ET Q q 0 0 0 rg BT 286.33 652.25 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 345.27 652.25 Td (indicate ) Tj ET Q q 0 0 0 rg BT 379.22 652.25 Td (that ) Tj ET Q q 0 0 0 rg BT 396.51 652.25 Td (the ) Tj ET Q q 0 0 0 rg BT 411.03 652.25 Td (carrying ) Tj ET Q q 0 0 0 rg BT 446.65 652.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 478.94 652.25 Td (of ) Tj ET Q q 0 0 0 rg BT 489.57 652.25 Td (the ) Tj ET Q q 0 0 0 rg BT 504.09 652.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 529.72 652.25 Td (may ) Tj ET Q q 0 0 0 rg BT 549.23 652.25 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.25 Td (be ) Tj ET Q q 0 0 0 rg BT 62.71 640.25 Td (recoverable. ) Tj ET Q q 0 0 0 rg BT 114.87 640.25 Td (The ) Tj ET Q q 0 0 0 rg BT 133.68 640.25 Td (most ) Tj ET Q q 0 0 0 rg BT 156.40 640.25 Td (likely ) Tj ET Q q 0 0 0 rg BT 182.44 640.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 223.48 640.25 Td (that ) Tj ET Q q 0 0 0 rg BT 241.74 640.25 Td (would ) Tj ET Q q 0 0 0 rg BT 270.00 640.25 Td (necessitate ) Tj ET Q q 0 0 0 rg BT 316.58 640.25 Td (an ) Tj ET Q q 0 0 0 rg BT 329.29 640.25 Td (assessment ) Tj ET Q q 0 0 0 rg BT 376.99 640.25 Td (would ) Tj ET Q q 0 0 0 rg BT 405.26 640.25 Td (be ) Tj ET Q q 0 0 0 rg BT 417.96 640.25 Td (an ) Tj ET Q q 0 0 0 rg BT 430.67 640.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 464.47 640.25 Td (change ) Tj ET Q q 0 0 0 rg BT 496.05 640.25 Td (in ) Tj ET Q q 0 0 0 rg BT 507.10 640.25 Td (historical ) Tj ET Q q 0 0 0 rg BT 547.58 640.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 91.06 628.25 Td (future ) Tj ET Q q 0 0 0 rg BT 117.67 628.25 Td (results ) Tj ET Q q 0 0 0 rg BT 146.52 628.25 Td (of ) Tj ET Q q 0 0 0 rg BT 157.58 628.25 Td (a ) Tj ET Q q 0 0 0 rg BT 164.76 628.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 188.04 628.25 Td (store's ) Tj ET Q q 0 0 0 rg BT 215.91 628.25 Td (performance. ) Tj ET Q q 0 0 0 rg BT 271.67 628.25 Td (For ) Tj ET Q q 0 0 0 rg BT 288.29 628.25 Td (property ) Tj ET Q q 0 0 0 rg BT 324.91 628.25 Td (and ) Tj ET Q q 0 0 0 rg BT 342.08 628.25 Td (equipment ) Tj ET Q q 0 0 0 rg BT 387.03 628.25 Td (held ) Tj ET Q q 0 0 0 rg BT 406.98 628.25 Td (and ) Tj ET Q q 0 0 0 rg BT 424.16 628.25 Td (used, ) Tj ET Q q 0 0 0 rg BT 447.73 628.25 Td (we ) Tj ET Q q 0 0 0 rg BT 462.12 628.25 Td (recognize ) Tj ET Q q 0 0 0 rg BT 503.72 628.25 Td (an ) Tj ET Q q 0 0 0 rg BT 515.90 628.25 Td (impairment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 67.97 616.25 Td (if ) Tj ET Q q 0 0 0 rg BT 76.49 616.25 Td (the ) Tj ET Q q 0 0 0 rg BT 91.12 616.25 Td (carrying ) Tj ET Q q 0 0 0 rg BT 126.85 616.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 159.26 616.25 Td (is ) Tj ET Q q 0 0 0 rg BT 168.34 616.25 Td (not ) Tj ET Q q 0 0 0 rg BT 183.53 616.25 Td (recoverable ) Tj ET Q q 0 0 0 rg BT 232.57 616.25 Td (through ) Tj ET Q q 0 0 0 rg BT 266.09 616.25 Td (its ) Tj ET Q q 0 0 0 rg BT 277.95 616.25 Td (undiscounted ) Tj ET Q q 0 0 0 rg BT 333.69 616.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 353.87 616.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 378.51 616.25 Td (and ) Tj ET Q q 0 0 0 rg BT 395.36 616.25 Td (measure ) Tj ET Q q 0 0 0 rg BT 431.08 616.25 Td (the ) Tj ET Q q 0 0 0 rg BT 445.71 616.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 494.22 616.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 512.20 616.25 Td (based ) Tj ET Q q 0 0 0 rg BT 537.38 616.25 Td (on ) Tj ET Q q 0 0 0 rg BT 549.79 616.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.25 Td (dif) Tj ET Q q 0 0 0 rg BT 60.93 604.25 Td (ference ) Tj ET Q q 0 0 0 rg BT 93.41 604.25 Td (between ) Tj ET Q q 0 0 0 rg BT 129.79 604.25 Td (the ) Tj ET Q q 0 0 0 rg BT 145.07 604.25 Td (carrying ) Tj ET Q q 0 0 0 rg BT 181.45 604.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 214.51 604.25 Td (and ) Tj ET Q q 0 0 0 rg BT 232.02 604.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 273.40 604.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 290.34 604.25 Td (value. ) Tj ET Q q 0 0 0 rg BT 317.56 604.25 Td (Fair ) Tj ET Q q 0 0 0 rg BT 336.74 604.25 Td (value ) Tj ET Q q 0 0 0 rg BT 361.46 604.25 Td (is ) Tj ET Q q 0 0 0 rg BT 371.19 604.25 Td (determined ) Tj ET Q q 0 0 0 rg BT 419.24 604.25 Td (by ) Tj ET Q q 0 0 0 rg BT 432.31 604.25 Td (discounting ) Tj ET Q q 0 0 0 rg BT 482.04 604.25 Td (the ) Tj ET Q q 0 0 0 rg BT 497.32 604.25 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 544.25 604.25 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 74.50 592.25 Td (over ) Tj ET Q q 0 0 0 rg BT 94.54 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 109.03 592.25 Td (remaining ) Tj ET Q q 0 0 0 rg BT 151.85 592.25 Td (term ) Tj ET Q q 0 0 0 rg BT 172.45 592.25 Td (of ) Tj ET Q q 0 0 0 rg BT 183.06 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 197.55 592.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 219.81 592.25 Td (utilizing ) Tj ET Q q 0 0 0 rg BT 255.42 592.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 284.89 592.25 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 340.48 592.25 Td (inputs ) Tj ET Q q 0 0 0 rg BT 367.21 592.25 Td (\(Level ) Tj ET Q q 0 0 0 rg BT 395.58 592.25 Td (3\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.41 592.25 Td ( ) Tj ET Q q 0 0 0 rg BT 408.68 592.25 Td ( ) Tj ET Q q 0 0 0 rg BT 410.96 592.25 Td (For ) Tj ET Q q 0 0 0 rg BT 427.12 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 441.62 592.25 Td (years ) Tj ET Q q 0 0 0 rg BT 464.99 592.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.14 592.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 539.52 592.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.52 592.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 580.25 Td (, ) Tj ET Q q 0 0 0 rg BT 75.00 580.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.94 580.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.94 580.25 Td (, ) Tj ET Q q 0 0 0 rg BT 116.94 580.25 Td (no ) Tj ET Q q 0 0 0 rg BT 129.44 580.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 178.04 580.25 Td (char) Tj ET Q q 0 0 0 rg BT 195.06 580.25 Td (ges ) Tj ET Q q 0 0 0 rg BT 210.89 580.25 Td (were ) Tj ET Q q 0 0 0 rg BT 232.82 580.25 Td (recorded.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (V) Tj ET Q q 0 0 0 rg BT 55.56 562.25 Td (endor ) Tj ET Q q 0 0 0 rg BT 81.12 562.25 Td (allowances.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.18 562.25 Td ( ) Tj ET Q q 0 0 0 rg BT 130.85 562.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.40 562.25 Td (W) Tj ET Q q 0 0 0 rg BT 141.03 562.25 Td (e ) Tj ET Q q 0 0 0 rg BT 147.14 562.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 177.67 562.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 201.56 562.25 Td (from ) Tj ET Q q 0 0 0 rg BT 222.67 562.25 Td (vendors ) Tj ET Q q 0 0 0 rg BT 256.00 562.25 Td (for ) Tj ET Q q 0 0 0 rg BT 269.33 562.25 Td (price ) Tj ET Q q 0 0 0 rg BT 290.98 562.25 Td (protection, ) Tj ET Q q 0 0 0 rg BT 335.69 562.25 Td (product ) Tj ET Q q 0 0 0 rg BT 367.91 562.25 Td (rebates ) Tj ET Q q 0 0 0 rg BT 397.89 562.25 Td (\(earned ) Tj ET Q q 0 0 0 rg BT 429.54 562.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 451.21 562.25 Td (purchase ) Tj ET Q q 0 0 0 rg BT 488.41 562.25 Td (or ) Tj ET Q q 0 0 0 rg BT 498.41 562.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 515.63 562.25 Td (of ) Tj ET Q q 0 0 0 rg BT 525.63 562.25 Td (product\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (marketing, ) Tj ET Q q 0 0 0 rg BT 95.71 550.25 Td (and ) Tj ET Q q 0 0 0 rg BT 112.83 550.25 Td (promotion ) Tj ET Q q 0 0 0 rg BT 157.16 550.25 Td (programs, ) Tj ET Q q 0 0 0 rg BT 200.10 550.25 Td (collectively ) Tj ET Q q 0 0 0 rg BT 249.42 550.25 Td (referred ) Tj ET Q q 0 0 0 rg BT 283.73 550.25 Td (to ) Tj ET Q q 0 0 0 rg BT 294.18 550.25 Td (as ) Tj ET Q q 0 0 0 rg BT 305.18 550.25 Td (vendor ) Tj ET Q q 0 0 0 rg BT 335.62 550.25 Td (allowances, ) Tj ET Q q 0 0 0 rg BT 385.22 550.25 Td (which ) Tj ET Q q 0 0 0 rg BT 412.33 550.25 Td (are ) Tj ET Q q 0 0 0 rg BT 427.21 550.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 464.86 550.25 Td (on ) Tj ET Q q 0 0 0 rg BT 477.53 550.25 Td (the ) Tj ET Q q 0 0 0 rg BT 492.42 550.25 Td (accrual ) Tj ET Q q 0 0 0 rg BT 523.95 550.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 548.93 550.25 Td (W) Tj ET Q q 0 0 0 rg BT 557.57 550.25 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (estimate ) Tj ET Q q 0 0 0 rg BT 84.91 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 98.71 538.25 Td (vendor ) Tj ET Q q 0 0 0 rg BT 128.06 538.25 Td (allowances ) Tj ET Q q 0 0 0 rg BT 174.07 538.25 Td (to ) Tj ET Q q 0 0 0 rg BT 183.44 538.25 Td (accrue ) Tj ET Q q 0 0 0 rg BT 211.11 538.25 Td (based ) Tj ET Q q 0 0 0 rg BT 235.46 538.25 Td (on ) Tj ET Q q 0 0 0 rg BT 247.05 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 260.85 538.25 Td (progress ) Tj ET Q q 0 0 0 rg BT 296.32 538.25 Td (of ) Tj ET Q q 0 0 0 rg BT 306.23 538.25 Td (satisfying ) Tj ET Q q 0 0 0 rg BT 346.71 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 360.51 538.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 384.31 538.25 Td (of ) Tj ET Q q 0 0 0 rg BT 394.23 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 408.03 538.25 Td (programs ) Tj ET Q q 0 0 0 rg BT 447.39 538.25 Td (based ) Tj ET Q q 0 0 0 rg BT 471.74 538.25 Td (on ) Tj ET Q q 0 0 0 rg BT 483.33 538.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 508.78 538.25 Td (and ) Tj ET Q q 0 0 0 rg BT 524.81 538.25 Td (projected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 71.87 526.25 Td (or ) Tj ET Q q 0 0 0 rg BT 82.62 526.25 Td (purchase ) Tj ET Q q 0 0 0 rg BT 120.59 526.25 Td (of ) Tj ET Q q 0 0 0 rg BT 131.34 526.25 Td (qualifying ) Tj ET Q q 0 0 0 rg BT 174.87 526.25 Td (products. ) Tj ET Q q 0 0 0 rg BT 214.24 526.25 Td (If ) Tj ET Q q 0 0 0 rg BT 223.33 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 237.97 526.25 Td (programs ) Tj ET Q q 0 0 0 rg BT 278.16 526.25 Td (are ) Tj ET Q q 0 0 0 rg BT 292.80 526.25 Td (related ) Tj ET Q q 0 0 0 rg BT 322.43 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 332.63 526.25 Td (product ) Tj ET Q q 0 0 0 rg BT 365.61 526.25 Td (purchases, ) Tj ET Q q 0 0 0 rg BT 409.96 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 424.60 526.25 Td (vendor ) Tj ET Q q 0 0 0 rg BT 454.80 526.25 Td (allowances ) Tj ET Q q 0 0 0 rg BT 501.65 526.25 Td (are ) Tj ET Q q 0 0 0 rg BT 516.28 526.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 553.69 526.25 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (a ) Tj ET Q q 0 0 0 rg BT 57.00 514.25 Td (reduction ) Tj ET Q q 0 0 0 rg BT 97.32 514.25 Td (of ) Tj ET Q q 0 0 0 rg BT 108.21 514.25 Td (product ) Tj ET Q q 0 0 0 rg BT 141.31 514.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 159.98 514.25 Td (in ) Tj ET Q q 0 0 0 rg BT 170.32 514.25 Td (inventory ) Tj ET Q q 0 0 0 rg BT 211.20 514.25 Td (still ) Tj ET Q q 0 0 0 rg BT 228.76 514.25 Td (on ) Tj ET Q q 0 0 0 rg BT 241.32 514.25 Td (hand ) Tj ET Q q 0 0 0 rg BT 263.32 514.25 Td (with ) Tj ET Q q 0 0 0 rg BT 283.66 514.25 Td (any ) Tj ET Q q 0 0 0 rg BT 300.65 514.25 Td (remaining ) Tj ET Q q 0 0 0 rg BT 343.75 514.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 380.20 514.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 417.73 514.25 Td (as ) Tj ET Q q 0 0 0 rg BT 428.62 514.25 Td (a ) Tj ET Q q 0 0 0 rg BT 435.62 514.25 Td (reduction ) Tj ET Q q 0 0 0 rg BT 475.94 514.25 Td (of ) Tj ET Q q 0 0 0 rg BT 486.83 514.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 505.50 514.25 Td (of ) Tj ET Q q 0 0 0 rg BT 516.39 514.25 Td (goods ) Tj ET Q q 0 0 0 rg BT 542.84 514.25 Td (sold.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (During ) Tj ET Q q 0 0 0 rg BT 82.19 502.25 Td (the ) Tj ET Q q 0 0 0 rg BT 98.28 502.25 Td (years ) Tj ET Q q 0 0 0 rg BT 123.24 502.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.98 502.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 200.94 502.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.94 502.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.31 502.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.31 502.25 Td ( ) Tj ET Q q 0 0 0 rg BT 251.17 502.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.47 502.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.47 502.25 Td (, ) Tj ET Q q 0 0 0 rg BT 295.84 502.25 Td (we ) Tj ET Q q 0 0 0 rg BT 311.36 502.25 Td (recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.20 502.25 Td ($153.0 ) Tj ET Q q 0 0 0 rg BT 381.57 502.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.46 502.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.82 502.25 Td ($162.5 ) Tj ET Q q 0 0 0 rg BT 448.19 502.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.08 502.25 Td ( ) Tj ET Q q 0 0 0 rg BT 480.94 502.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.25 502.25 Td ($145.4 ) Tj ET Q q 0 0 0 rg BT 530.61 502.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 502.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.66 490.25 Td (, ) Tj ET Q q 0 0 0 rg BT 102.66 490.25 Td (as ) Tj ET Q q 0 0 0 rg BT 113.49 490.25 Td (reductions ) Tj ET Q q 0 0 0 rg BT 157.65 490.25 Td (in ) Tj ET Q q 0 0 0 rg BT 167.92 490.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 186.53 490.25 Td (of ) Tj ET Q q 0 0 0 rg BT 197.36 490.25 Td (goods ) Tj ET Q q 0 0 0 rg BT 223.75 490.25 Td (sold ) Tj ET Q q 0 0 0 rg BT 242.92 490.25 Td (from ) Tj ET Q q 0 0 0 rg BT 264.86 490.25 Td (vendor ) Tj ET Q q 0 0 0 rg BT 295.13 490.25 Td (allowances.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 472.25 Td (Recent ) Tj ET Q q 0 0 0 rg BT 81.38 472.25 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 132.77 472.25 Td (Pr) Tj ET Q q 0 0 0 rg BT 143.13 472.25 Td (onouncements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.25 472.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.74 454.25 Td (information ) Tj ET Q q 0 0 0 rg BT 117.15 454.25 Td (related ) Tj ET Q q 0 0 0 rg BT 146.55 454.25 Td (to ) Tj ET Q q 0 0 0 rg BT 156.52 454.25 Td (recent ) Tj ET Q q 0 0 0 rg BT 183.14 454.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 229.20 454.25 Td (pronouncements ) Tj ET Q q 0 0 0 rg BT 297.49 454.25 Td (as ) Tj ET Q q 0 0 0 rg BT 308.02 454.25 Td (set ) Tj ET Q q 0 0 0 rg BT 321.32 454.25 Td (forth ) Tj ET Q q 0 0 0 rg BT 342.95 454.25 Td (in ) Tj ET Q q 0 0 0 rg BT 352.93 454.25 Td (Note ) Tj ET Q q 0 0 0 rg BT 374.56 454.25 Td (1, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 384.26 454.25 Td (Summary ) Tj ET Q q 0 0 0 rg BT 424.22 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 434.20 454.25 Td (Significant ) Tj ET Q q 0 0 0 rg BT 479.56 454.25 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 527.30 454.25 Td (Policies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.51 454.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (of ) Tj ET Q q 0 0 0 rg BT 59.90 442.25 Td (the ) Tj ET Q q 0 0 0 rg BT 73.69 442.25 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 128.04 442.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 166.83 442.25 Td (Statements ) Tj ET Q q 0 0 0 rg BT 212.28 442.25 Td (in ) Tj ET Q q 0 0 0 rg BT 221.63 442.25 Td (Part ) Tj ET Q q 0 0 0 rg BT 239.32 442.25 Td (II, ) Tj ET Q q 0 0 0 rg BT 250.05 442.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 269.95 442.25 Td (8., ) Tj ET Q q 0 0 0 rg BT 281.52 442.25 Td (of ) Tj ET Q q 0 0 0 rg BT 291.43 442.25 Td (this ) Tj ET Q q 0 0 0 rg BT 307.10 442.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 338.11 442.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 366.90 442.25 Td (on ) Tj ET Q q 0 0 0 rg BT 378.48 442.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 401.72 442.25 Td (10-K ) Tj ET Q q 0 0 0 rg BT 423.85 442.25 Td (is ) Tj ET Q q 0 0 0 rg BT 432.09 442.25 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 484.20 442.25 Td (herein ) Tj ET Q q 0 0 0 rg BT 510.76 442.25 Td (by ) Tj ET Q q 0 0 0 rg BT 522.33 442.25 Td (reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 424.25 Td (ITEM ) Tj ET Q q 0 0 0 rg BT 79.17 424.25 Td (7A. ) Tj ET Q q 0 0 0 rg BT 96.39 424.25 Td ( ) Tj ET Q q 0 0 0 rg BT 104.00 424.25 Td (QUANTIT) Tj ET Q q 0 0 0 rg BT 149.93 424.25 Td (A) Tj ET Q q 0 0 0 rg BT 156.41 424.25 Td (TIVE ) Tj ET Q q 0 0 0 rg BT 182.81 424.25 Td (AND ) Tj ET Q q 0 0 0 rg BT 206.98 424.25 Td (QUALIT) Tj ET Q q 0 0 0 rg BT 245.69 424.25 Td (A) Tj ET Q q 0 0 0 rg BT 252.17 424.25 Td (TIVE ) Tj ET Q q 0 0 0 rg BT 279.12 424.25 Td (DISCLOSURES ) Tj ET Q q 0 0 0 rg BT 351.65 424.25 Td (ABOUT) Tj ET Q q 0 0 0 rg BT 387.03 424.25 Td ( ) Tj ET Q q 0 0 0 rg BT 389.53 424.25 Td (MARKET) Tj ET Q q 0 0 0 rg BT 434.35 424.25 Td ( ) Tj ET Q q 0 0 0 rg BT 436.85 424.25 Td (RISK.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.80 424.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.15 406.25 Td (market ) Tj ET Q q 0 0 0 rg BT 98.52 406.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 116.13 406.25 Td (inherent ) Tj ET Q q 0 0 0 rg BT 151.49 406.25 Td (in ) Tj ET Q q 0 0 0 rg BT 161.88 406.25 Td (our ) Tj ET Q q 0 0 0 rg BT 177.81 406.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 215.40 406.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 264.67 406.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 307.81 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 322.63 406.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 360.23 406.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 378.39 406.25 Td (arising ) Tj ET Q q 0 0 0 rg BT 408.22 406.25 Td (from ) Tj ET Q q 0 0 0 rg BT 430.26 406.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 463.40 406.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 498.21 406.25 Td (in ) Tj ET Q q 0 0 0 rg BT 508.60 406.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 540.63 406.25 Td (rates. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 394.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.82 394.25 Td (have ) Tj ET Q q 0 0 0 rg BT 87.44 394.25 Td (not ) Tj ET Q q 0 0 0 rg BT 102.96 394.25 Td (been ) Tj ET Q q 0 0 0 rg BT 124.58 394.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 167.87 394.25 Td (impacted ) Tj ET Q q 0 0 0 rg BT 207.26 394.25 Td (by ) Tj ET Q q 0 0 0 rg BT 220.00 394.25 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 269.96 394.25 Td (in ) Tj ET Q q 0 0 0 rg BT 280.48 394.25 Td (foreign ) Tj ET Q q 0 0 0 rg BT 312.10 394.25 Td (currency ) Tj ET Q q 0 0 0 rg BT 349.82 394.25 Td (exchange ) Tj ET Q q 0 0 0 rg BT 390.32 394.25 Td (rates, ) Tj ET Q q 0 0 0 rg BT 414.44 394.25 Td (as ) Tj ET Q q 0 0 0 rg BT 425.52 394.25 Td (substantially ) Tj ET Q q 0 0 0 rg BT 478.81 394.25 Td (all ) Tj ET Q q 0 0 0 rg BT 491.55 394.25 Td (of ) Tj ET Q q 0 0 0 rg BT 502.63 394.25 Td (our ) Tj ET Q q 0 0 0 rg BT 518.70 394.25 Td (business ) Tj ET Q q 0 0 0 rg BT 555.34 394.25 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (transacted ) Tj ET Q q 0 0 0 rg BT 93.08 382.25 Td (in, ) Tj ET Q q 0 0 0 rg BT 105.91 382.25 Td (and ) Tj ET Q q 0 0 0 rg BT 122.90 382.25 Td (is ) Tj ET Q q 0 0 0 rg BT 132.11 382.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 170.20 382.25 Td (to ) Tj ET Q q 0 0 0 rg BT 180.52 382.25 Td (continue ) Tj ET Q q 0 0 0 rg BT 217.50 382.25 Td (to ) Tj ET Q q 0 0 0 rg BT 227.83 382.25 Td (be ) Tj ET Q q 0 0 0 rg BT 239.82 382.25 Td (transacted ) Tj ET Q q 0 0 0 rg BT 282.90 382.25 Td (in, ) Tj ET Q q 0 0 0 rg BT 295.73 382.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 316.06 382.25 Td (dollars ) Tj ET Q q 0 0 0 rg BT 345.83 382.25 Td (or ) Tj ET Q q 0 0 0 rg BT 356.70 382.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 377.04 382.25 Td (dollar) Tj ET Q q 0 0 0 rg BT 400.16 382.25 Td (-based ) Tj ET Q q 0 0 0 rg BT 428.81 382.25 Td (currencies. ) Tj ET Q q 0 0 0 rg BT 474.94 382.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 493.04 382.25 Td (Senior ) Tj ET Q q 0 0 0 rg BT 521.70 382.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 547.58 382.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 103.58 370.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 127.19 370.25 Td (bear ) Tj ET Q q 0 0 0 rg BT 146.90 370.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 178.83 370.25 Td (at ) Tj ET Q q 0 0 0 rg BT 188.55 370.25 Td (a ) Tj ET Q q 0 0 0 rg BT 195.49 370.25 Td (fixed ) Tj ET Q q 0 0 0 rg BT 218.54 370.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 236.02 370.25 Td (and ) Tj ET Q q 0 0 0 rg BT 252.96 370.25 Td (would ) Tj ET Q q 0 0 0 rg BT 280.46 370.25 Td (not ) Tj ET Q q 0 0 0 rg BT 295.74 370.25 Td (be ) Tj ET Q q 0 0 0 rg BT 307.68 370.25 Td (af) Tj ET Q q 0 0 0 rg BT 315.26 370.25 Td (fected ) Tj ET Q q 0 0 0 rg BT 342.19 370.25 Td (by ) Tj ET Q q 0 0 0 rg BT 354.69 370.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 386.62 370.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 404.11 370.25 Td (changes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.25 Td (Loans ) Tj ET Q q 0 0 0 rg BT 77.51 352.25 Td (under ) Tj ET Q q 0 0 0 rg BT 103.35 352.25 Td (the ) Tj ET Q q 0 0 0 rg BT 118.65 352.25 Td (revolving ) Tj ET Q q 0 0 0 rg BT 160.04 352.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 185.88 352.25 Td (facility ) Tj ET Q q 0 0 0 rg BT 217.28 352.25 Td (bear ) Tj ET Q q 0 0 0 rg BT 237.56 352.25 Td (interest, ) Tj ET Q q 0 0 0 rg BT 272.56 352.25 Td (at ) Tj ET Q q 0 0 0 rg BT 282.85 352.25 Td (our ) Tj ET Q q 0 0 0 rg BT 299.26 352.25 Td (option, ) Tj ET Q q 0 0 0 rg BT 330.39 352.25 Td (at ) Tj ET Q q 0 0 0 rg BT 340.68 352.25 Td (a ) Tj ET Q q 0 0 0 rg BT 348.19 352.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 366.25 352.25 Td (of ) Tj ET Q q 0 0 0 rg BT 377.65 352.25 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 410.73 352.25 Td (plus ) Tj ET Q q 0 0 0 rg BT 430.47 352.25 Td (a ) Tj ET Q q 0 0 0 rg BT 437.98 352.25 Td (mar) Tj ET Q q 0 0 0 rg BT 453.35 352.25 Td (gin ) Tj ET Q q 0 0 0 rg BT 469.20 352.25 Td (ranging ) Tj ET Q q 0 0 0 rg BT 502.82 352.25 Td (from ) Tj ET Q q 0 0 0 rg BT 525.33 352.25 Td (2.75% ) Tj ET Q q 0 0 0 rg BT 554.24 352.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.25 Td (3.25% ) Tj ET Q q 0 0 0 rg BT 79.00 340.25 Td (per ) Tj ET Q q 0 0 0 rg BT 94.94 340.25 Td (annum ) Tj ET Q q 0 0 0 rg BT 125.33 340.25 Td (\(depending ) Tj ET Q q 0 0 0 rg BT 173.49 340.25 Td (on ) Tj ET Q q 0 0 0 rg BT 186.66 340.25 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 225.92 340.25 Td (average ) Tj ET Q q 0 0 0 rg BT 260.18 340.25 Td (net ) Tj ET Q q 0 0 0 rg BT 275.57 340.25 Td (availability ) Tj ET Q q 0 0 0 rg BT 323.72 340.25 Td (under ) Tj ET Q q 0 0 0 rg BT 349.66 340.25 Td (the ) Tj ET Q q 0 0 0 rg BT 365.05 340.25 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 409.88 340.25 Td (base\) ) Tj ET Q q 0 0 0 rg BT 434.15 340.25 Td (or ) Tj ET Q q 0 0 0 rg BT 445.65 340.25 Td (the ) Tj ET Q q 0 0 0 rg BT 461.04 340.25 Td (alternate ) Tj ET Q q 0 0 0 rg BT 498.63 340.25 Td (base ) Tj ET Q q 0 0 0 rg BT 519.57 340.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 537.73 340.25 Td (plus ) Tj ET Q q 0 0 0 rg BT 557.57 340.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.25 Td (mar) Tj ET Q q 0 0 0 rg BT 65.37 328.25 Td (gin ) Tj ET Q q 0 0 0 rg BT 80.34 328.25 Td (ranging ) Tj ET Q q 0 0 0 rg BT 113.08 328.25 Td (from ) Tj ET Q q 0 0 0 rg BT 134.71 328.25 Td (1.75% ) Tj ET Q q 0 0 0 rg BT 162.73 328.25 Td (to ) Tj ET Q q 0 0 0 rg BT 172.70 328.25 Td (2.25% ) Tj ET Q q 0 0 0 rg BT 200.72 328.25 Td (per ) Tj ET Q q 0 0 0 rg BT 215.68 328.25 Td (annum ) Tj ET Q q 0 0 0 rg BT 245.09 328.25 Td (\(depending ) Tj ET Q q 0 0 0 rg BT 292.27 328.25 Td (on ) Tj ET Q q 0 0 0 rg BT 304.46 328.25 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 342.75 328.25 Td (average ) Tj ET Q q 0 0 0 rg BT 376.03 328.25 Td (net ) Tj ET Q q 0 0 0 rg BT 390.43 328.25 Td (availability ) Tj ET Q q 0 0 0 rg BT 437.61 328.25 Td (under ) Tj ET Q q 0 0 0 rg BT 462.57 328.25 Td (the ) Tj ET Q q 0 0 0 rg BT 476.98 328.25 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 520.83 328.25 Td (base\). ) Tj ET Q q 0 0 0 rg BT 546.47 328.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.25 Td (alternate ) Tj ET Q q 0 0 0 rg BT 87.30 316.25 Td (base ) Tj ET Q q 0 0 0 rg BT 107.94 316.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 125.81 316.25 Td (is ) Tj ET Q q 0 0 0 rg BT 135.36 316.25 Td (a ) Tj ET Q q 0 0 0 rg BT 142.67 316.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 160.54 316.25 Td (per ) Tj ET Q q 0 0 0 rg BT 176.18 316.25 Td (annum ) Tj ET Q q 0 0 0 rg BT 206.28 316.25 Td (equal ) Tj ET Q q 0 0 0 rg BT 230.81 316.25 Td (to ) Tj ET Q q 0 0 0 rg BT 241.47 316.25 Td (the ) Tj ET Q q 0 0 0 rg BT 256.56 316.25 Td (greatest ) Tj ET Q q 0 0 0 rg BT 290.54 316.25 Td (of ) Tj ET Q q 0 0 0 rg BT 301.75 316.25 Td (the ) Tj ET Q q 0 0 0 rg BT 316.84 316.25 Td (prime ) Tj ET Q q 0 0 0 rg BT 343.04 316.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 360.91 316.25 Td (announced ) Tj ET Q q 0 0 0 rg BT 407.10 316.25 Td (by ) Tj ET Q q 0 0 0 rg BT 419.98 316.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 443.97 316.25 Td (of ) Tj ET Q q 0 0 0 rg BT 454.54 316.25 Td (America, ) Tj ET Q q 0 0 0 rg BT 494.34 316.25 Td (N.A., ) Tj ET Q q 0 0 0 rg BT 519.16 316.25 Td (the ) Tj ET Q q 0 0 0 rg BT 534.26 316.25 Td (federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 73.64 304.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 90.05 304.25 Td (plus ) Tj ET Q q 0 0 0 rg BT 108.14 304.25 Td (0.5%, ) Tj ET Q q 0 0 0 rg BT 132.89 304.25 Td (or ) Tj ET Q q 0 0 0 rg BT 142.64 304.25 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 174.06 304.25 Td (for ) Tj ET Q q 0 0 0 rg BT 187.14 304.25 Td (a ) Tj ET Q q 0 0 0 rg BT 193.00 304.25 Td (30-day ) Tj ET Q q 0 0 0 rg BT 222.18 304.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 253.04 304.25 Td (period ) Tj ET Q q 0 0 0 rg BT 280.00 304.25 Td (plus ) Tj ET Q q 0 0 0 rg BT 298.09 304.25 Td (1.0%. ) Tj ET Q q 0 0 0 rg BT 322.53 304.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 371.87 304.25 Td (, ) Tj ET Q q 0 0 0 rg BT 375.79 304.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 409.41 304.25 Td (in ) Tj ET Q q 0 0 0 rg BT 418.61 304.25 Td (our ) Tj ET Q q 0 0 0 rg BT 433.36 304.25 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 470.88 304.25 Td (average ) Tj ET Q q 0 0 0 rg BT 503.38 304.25 Td (net ) Tj ET Q q 0 0 0 rg BT 517.02 304.25 Td (availability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.25 Td (under ) Tj ET Q q 0 0 0 rg BT 75.37 292.25 Td (the ) Tj ET Q q 0 0 0 rg BT 90.19 292.25 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 134.45 292.25 Td (base ) Tj ET Q q 0 0 0 rg BT 154.82 292.25 Td (and ) Tj ET Q q 0 0 0 rg BT 171.86 292.25 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 204.46 292.25 Td (or ) Tj ET Q q 0 0 0 rg BT 215.39 292.25 Td (the ) Tj ET Q q 0 0 0 rg BT 230.21 292.25 Td (alternate ) Tj ET Q q 0 0 0 rg BT 267.23 292.25 Td (base ) Tj ET Q q 0 0 0 rg BT 287.60 292.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 305.19 292.25 Td (will ) Tj ET Q q 0 0 0 rg BT 323.35 292.25 Td (af) Tj ET Q q 0 0 0 rg BT 330.94 292.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 348.52 292.25 Td (the ) Tj ET Q q 0 0 0 rg BT 363.34 292.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 395.38 292.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 412.96 292.25 Td (on, ) Tj ET Q q 0 0 0 rg BT 428.06 292.25 Td (and ) Tj ET Q q 0 0 0 rg BT 445.10 292.25 Td (therefore ) Tj ET Q q 0 0 0 rg BT 483.79 292.25 Td (our ) Tj ET Q q 0 0 0 rg BT 499.72 292.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 522.32 292.25 Td (under) Tj ET Q q 0 0 0 rg BT 544.69 292.25 Td (, ) Tj ET Q q 0 0 0 rg BT 549.79 292.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.25 Td (revolving ) Tj ET Q q 0 0 0 rg BT 90.70 280.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 115.83 280.25 Td (facility) Tj ET Q q 0 0 0 rg BT 143.51 280.25 Td (. ) Tj ET Q q 0 0 0 rg BT 147.85 280.25 Td (As ) Tj ET Q q 0 0 0 rg BT 161.34 280.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.04 280.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 220.52 280.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.52 280.25 Td (, ) Tj ET Q q 0 0 0 rg BT 245.39 280.25 Td (the ) Tj ET Q q 0 0 0 rg BT 259.98 280.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 292.88 280.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 341.92 280.25 Td (under ) Tj ET Q q 0 0 0 rg BT 367.06 280.25 Td (our ) Tj ET Q q 0 0 0 rg BT 382.77 280.25 Td (revolving ) Tj ET Q q 0 0 0 rg BT 423.47 280.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 448.60 280.25 Td (facility ) Tj ET Q q 0 0 0 rg BT 479.30 280.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.22 280.25 Td ($77.0 ) Tj ET Q q 0 0 0 rg BT 522.09 280.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.98 280.25 Td (. ) Tj ET Q q 0 0 0 rg BT 555.33 280.25 Td (A) Tj ET Q q 0 0 0 rg BT 562.00 280.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.25 Td (100 ) Tj ET Q q 0 0 0 rg BT 67.45 268.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 89.91 268.25 Td (point ) Tj ET Q q 0 0 0 rg BT 112.92 268.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 148.13 268.25 Td (in ) Tj ET Q q 0 0 0 rg BT 158.36 268.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 190.24 268.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 211.57 268.25 Td (on ) Tj ET Q q 0 0 0 rg BT 224.03 268.25 Td (the ) Tj ET Q q 0 0 0 rg BT 238.70 268.25 Td (revolving ) Tj ET Q q 0 0 0 rg BT 279.48 268.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 304.69 268.25 Td (facility ) Tj ET Q q 0 0 0 rg BT 335.47 268.25 Td (would ) Tj ET Q q 0 0 0 rg BT 362.92 268.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 398.13 268.25 Td (our ) Tj ET Q q 0 0 0 rg BT 413.91 268.25 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 458.03 268.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 480.48 268.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.93 268.25 Td ($0.8 ) Tj ET Q q 0 0 0 rg BT 512.89 268.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.78 268.25 Td ( ) Tj ET Q q 0 0 0 rg BT 544.23 268.25 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.25 Td (a ) Tj ET Q q 0 0 0 rg BT 56.94 256.25 Td (12-month ) Tj ET Q q 0 0 0 rg BT 98.33 256.25 Td (period, ) Tj ET Q q 0 0 0 rg BT 128.87 256.25 Td (based ) Tj ET Q q 0 0 0 rg BT 154.14 256.25 Td (on ) Tj ET Q q 0 0 0 rg BT 166.64 256.25 Td (the ) Tj ET Q q 0 0 0 rg BT 181.36 256.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 214.39 256.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 263.55 256.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.27 256.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 321.87 256.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.87 256.25 Td (.) Tj ET Q endstream endobj 113 0 obj <><><><><><><><><><><><><><><><><>] /Rotate 0 /Contents 114 0 R>> endobj 114 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (55) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (ITEM ) Tj ET Q q 0 0 0 rg BT 79.17 742.25 Td (8. ) Tj ET Q q 0 0 0 rg BT 89.17 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 104.00 742.25 Td (FINANCIAL) Tj ET Q q 0 0 0 rg BT 160.12 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 162.62 742.25 Td (ST) Tj ET Q q 0 0 0 rg BT 174.11 742.25 Td (A) Tj ET Q q 0 0 0 rg BT 180.59 742.25 Td (TEMENTS ) Tj ET Q q 0 0 0 rg BT 231.44 742.25 Td (AND ) Tj ET Q q 0 0 0 rg BT 255.60 742.25 Td (SUPPLEMENT) Tj ET Q q 0 0 0 rg BT 323.20 742.25 Td (AR) Tj ET Q q 0 0 0 rg BT 337.29 742.25 Td (Y) Tj ET Q q 0 0 0 rg BT 344.14 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 346.64 742.25 Td (DA) Tj ET Q q 0 0 0 rg BT 360.34 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 366.27 742.25 Td (A.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.99 742.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 176.15 706.25 Td (INDEX ) Tj ET Q q 0 0 0 rg BT 210.70 706.25 Td (T) Tj ET Q q 0 0 0 rg BT 217.19 706.25 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 287.29 706.25 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 366.47 706.25 Td ( ST) Tj ET Q q 0 0 0 rg BT 380.46 706.25 Td (A) Tj ET Q q 0 0 0 rg BT 386.94 706.25 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.84 706.25 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 674.75 464.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 674.75 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 644.75 464.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 644.75 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 614.75 464.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 614.75 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 584.75 464.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 584.75 48.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 674.75 m 562.5 674.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 680.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 519.10 680.48 Td (Page No.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 53 663.9833984375 m 324.4599609375 663.9833984375 l s q 0 0 1 rg BT 53.00 665.32 Td (Management's ) Tj ET Q q 0 0 1 rg BT 113.40 665.32 Td (Report ) Tj ET Q q 0 0 1 rg BT 143.11 665.32 Td (on ) Tj ET Q q 0 0 1 rg BT 155.61 665.32 Td (Internal ) Tj ET Q q 0 0 1 rg BT 189.21 665.32 Td (Control ) Tj ET Q q 0 0 1 rg BT 222.26 665.32 Td (Over ) Tj ET Q q 0 0 1 rg BT 244.75 665.32 Td (Financial ) Tj ET Q q 0 0 1 rg BT 284.46 665.32 Td (Reporting) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 53 648.9833984375 m 470.6904296875 648.9833984375 l s q 0 0 1 rg BT 53.00 650.32 Td (Report ) Tj ET Q q 0 0 1 rg BT 82.72 650.32 Td (of ) Tj ET Q q 0 0 1 rg BT 93.55 650.32 Td (Independent ) Tj ET Q q 0 0 1 rg BT 145.47 650.32 Td (Registered ) Tj ET Q q 0 0 1 rg BT 190.73 650.32 Td (Public ) Tj ET Q q 0 0 1 rg BT 218.24 650.32 Td (Accounting ) Tj ET Q q 0 0 1 rg BT 267.39 650.32 Td (Firm ) Tj ET Q q 0 0 1 rg BT 289.34 650.32 Td (on ) Tj ET Q q 0 0 1 rg BT 301.84 650.32 Td (Internal ) Tj ET Q q 0 0 1 rg BT 335.44 650.32 Td (Control ) Tj ET Q q 0 0 1 rg BT 368.49 650.32 Td (Over ) Tj ET Q q 0 0 1 rg BT 390.98 650.32 Td (Financial ) Tj ET Q q 0 0 1 rg BT 430.70 650.32 Td (Reporting) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 53 633.9833984375 m 286.8427734375 633.9833984375 l s q 0 0 1 rg BT 53.00 635.32 Td (Report ) Tj ET Q q 0 0 1 rg BT 82.72 635.32 Td (of ) Tj ET Q q 0 0 1 rg BT 93.55 635.32 Td (Independent ) Tj ET Q q 0 0 1 rg BT 145.47 635.32 Td (Registered ) Tj ET Q q 0 0 1 rg BT 190.73 635.32 Td (Public ) Tj ET Q q 0 0 1 rg BT 218.24 635.32 Td (Accounting ) Tj ET Q q 0 0 1 rg BT 267.39 635.32 Td (Firm) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 53 618.9833984375 m 169.083984375 618.9833984375 l s q 0 0 1 rg BT 53.00 620.32 Td (Consolidated ) Tj ET Q q 0 0 1 rg BT 108.27 620.32 Td (Balance ) Tj ET Q q 0 0 1 rg BT 142.98 620.32 Td (Sheets) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 53 603.9833984375 m 209.3623046875 603.9833984375 l s q 0 0 1 rg BT 53.00 605.32 Td (Consolidated ) Tj ET Q q 0 0 1 rg BT 108.27 605.32 Td (Statements ) Tj ET Q q 0 0 1 rg BT 154.66 605.32 Td (of ) Tj ET Q q 0 0 1 rg BT 165.49 605.32 Td (Operations) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 53 588.9833984375 m 248.6689453125 588.9833984375 l s q 0 0 1 rg BT 53.00 590.32 Td (Consolidated ) Tj ET Q q 0 0 1 rg BT 108.27 590.32 Td (Statements ) Tj ET Q q 0 0 1 rg BT 154.66 590.32 Td (of ) Tj ET Q q 0 0 1 rg BT 165.49 590.32 Td (Stockholders' ) Tj ET Q q 0 0 1 rg BT 222.00 590.32 Td (Equity) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 53 573.9833984375 m 212.4384765625 573.9833984375 l s q 0 0 1 rg BT 53.00 575.32 Td (Consolidated ) Tj ET Q q 0 0 1 rg BT 108.27 575.32 Td (Statements ) Tj ET Q q 0 0 1 rg BT 154.66 575.32 Td (of ) Tj ET Q q 0 0 1 rg BT 165.49 575.32 Td (Cash ) Tj ET Q q 0 0 1 rg BT 187.99 575.32 Td (Flows) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 53 558.9833984375 m 227.9755859375 558.9833984375 l s q 0 0 1 rg BT 53.00 560.32 Td (Notes ) Tj ET Q q 0 0 1 rg BT 78.83 560.32 Td (to ) Tj ET Q q 0 0 1 rg BT 89.11 560.32 Td (Consolidated ) Tj ET Q q 0 0 1 rg BT 144.38 560.32 Td (Financial ) Tj ET Q q 0 0 1 rg BT 184.09 560.32 Td (Statements) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 549 663.9833984375 m 559 663.9833984375 l s q 0 0 1 rg BT 549.00 665.32 Td (56) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 549 648.9833984375 m 559 648.9833984375 l s q 0 0 1 rg BT 549.00 650.32 Td (57) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 549 633.9833984375 m 559 633.9833984375 l s q 0 0 1 rg BT 549.00 635.32 Td (58) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 549 618.9833984375 m 559 618.9833984375 l s q 0 0 1 rg BT 549.00 620.32 Td (59) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 549 603.9833984375 m 559 603.9833984375 l s q 0 0 1 rg BT 549.00 605.32 Td (60) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 549 588.9833984375 m 559 588.9833984375 l s q 0 0 1 rg BT 549.00 590.32 Td (61) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 549 573.9833984375 m 559 573.9833984375 l s q 0 0 1 rg BT 549.00 575.32 Td (62) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 549 558.9833984375 m 559 558.9833984375 l s q 0 0 1 rg BT 549.00 560.32 Td (64) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 115 0 obj <>] /Rotate 0 /Contents 116 0 R>> endobj 116 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (56) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 159.10 742.25 Td (Management's Report on Internal Contr) Tj ET Q q 0 0 0 rg BT 332.79 742.25 Td (ol Over) Tj ET Q q 0 0 0 rg BT 364.54 742.25 Td ( Financial Reporting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.88 742.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 724.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.15 724.25 Td (management ) Tj ET Q q 0 0 0 rg BT 121.84 724.25 Td (is ) Tj ET Q q 0 0 0 rg BT 131.11 724.25 Td (responsible ) Tj ET Q q 0 0 0 rg BT 179.26 724.25 Td (for ) Tj ET Q q 0 0 0 rg BT 193.52 724.25 Td (establishing ) Tj ET Q q 0 0 0 rg BT 243.89 724.25 Td (and ) Tj ET Q q 0 0 0 rg BT 260.93 724.25 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 311.30 724.25 Td (adequate ) Tj ET Q q 0 0 0 rg BT 349.43 724.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 382.57 724.25 Td (control ) Tj ET Q q 0 0 0 rg BT 413.50 724.25 Td (over ) Tj ET Q q 0 0 0 rg BT 433.87 724.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 471.45 724.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 510.70 724.25 Td (as ) Tj ET Q q 0 0 0 rg BT 521.63 724.25 Td (defined ) Tj ET Q q 0 0 0 rg BT 554.22 724.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (Rule ) Tj ET Q q 0 0 0 rg BT 71.57 712.25 Td (13a-15\(f\) ) Tj ET Q q 0 0 0 rg BT 112.00 712.25 Td (or ) Tj ET Q q 0 0 0 rg BT 123.01 712.25 Td (Rule ) Tj ET Q q 0 0 0 rg BT 144.58 712.25 Td (15\(d\)-15\(f\) ) Tj ET Q q 0 0 0 rg BT 192.24 712.25 Td (under ) Tj ET Q q 0 0 0 rg BT 217.69 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 232.59 712.25 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 274.10 712.25 Td (Act.Our ) Tj ET Q q 0 0 0 rg BT 311.77 712.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 344.99 712.25 Td (control ) Tj ET Q q 0 0 0 rg BT 375.99 712.25 Td (over ) Tj ET Q q 0 0 0 rg BT 396.44 712.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 434.10 712.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 473.44 712.25 Td (is ) Tj ET Q q 0 0 0 rg BT 482.79 712.25 Td (designed ) Tj ET Q q 0 0 0 rg BT 521.01 712.25 Td (to ) Tj ET Q q 0 0 0 rg BT 531.47 712.25 Td (provide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 94.25 700.25 Td (assurance ) Tj ET Q q 0 0 0 rg BT 134.61 700.25 Td (regarding ) Tj ET Q q 0 0 0 rg BT 174.42 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 188.13 700.25 Td (reliability ) Tj ET Q q 0 0 0 rg BT 228.50 700.25 Td (of ) Tj ET Q q 0 0 0 rg BT 238.32 700.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 274.79 700.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 312.94 700.25 Td (and ) Tj ET Q q 0 0 0 rg BT 328.87 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 342.58 700.25 Td (preparation ) Tj ET Q q 0 0 0 rg BT 389.61 700.25 Td (of ) Tj ET Q q 0 0 0 rg BT 399.43 700.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 435.91 700.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 479.61 700.25 Td (for ) Tj ET Q q 0 0 0 rg BT 492.76 700.25 Td (external ) Tj ET Q q 0 0 0 rg BT 526.46 700.25 Td (purposes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 688.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 107.74 688.25 Td (with ) Tj ET Q q 0 0 0 rg BT 128.02 688.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 167.72 688.25 Td (accepted ) Tj ET Q q 0 0 0 rg BT 205.19 688.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 251.56 688.25 Td (principles.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (Because ) Tj ET Q q 0 0 0 rg BT 85.92 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 96.85 670.25 Td (its ) Tj ET Q q 0 0 0 rg BT 108.90 670.25 Td (inherent ) Tj ET Q q 0 0 0 rg BT 144.26 670.25 Td (limitations, ) Tj ET Q q 0 0 0 rg BT 192.14 670.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 225.29 670.25 Td (control ) Tj ET Q q 0 0 0 rg BT 256.21 670.25 Td (over ) Tj ET Q q 0 0 0 rg BT 276.58 670.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 314.17 670.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 353.42 670.25 Td (may ) Tj ET Q q 0 0 0 rg BT 373.24 670.25 Td (not ) Tj ET Q q 0 0 0 rg BT 388.62 670.25 Td (prevent ) Tj ET Q q 0 0 0 rg BT 421.21 670.25 Td (or ) Tj ET Q q 0 0 0 rg BT 432.14 670.25 Td (detect ) Tj ET Q q 0 0 0 rg BT 458.61 670.25 Td (misstatements.) Tj ET Q q 0 0 0 rg BT 520.09 670.25 Td (Therefore, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (even ) Tj ET Q q 0 0 0 rg BT 70.46 658.25 Td (those ) Tj ET Q q 0 0 0 rg BT 93.14 658.25 Td (systems ) Tj ET Q q 0 0 0 rg BT 126.39 658.25 Td (determined ) Tj ET Q q 0 0 0 rg BT 172.95 658.25 Td (to ) Tj ET Q q 0 0 0 rg BT 182.31 658.25 Td (be ) Tj ET Q q 0 0 0 rg BT 193.32 658.25 Td (ef) Tj ET Q q 0 0 0 rg BT 200.91 658.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 229.69 658.25 Td (can ) Tj ET Q q 0 0 0 rg BT 245.15 658.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 277.27 658.25 Td (only ) Tj ET Q q 0 0 0 rg BT 296.63 658.25 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 340.96 658.25 Td (assurance ) Tj ET Q q 0 0 0 rg BT 381.41 658.25 Td (with ) Tj ET Q q 0 0 0 rg BT 400.77 658.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 430.66 658.25 Td (to ) Tj ET Q q 0 0 0 rg BT 440.02 658.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 476.58 658.25 Td (statement ) Tj ET Q q 0 0 0 rg BT 516.48 658.25 Td (preparation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 646.25 Td (presentation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 69.64 628.25 Td (management ) Tj ET Q q 0 0 0 rg BT 124.81 628.25 Td (\(with ) Tj ET Q q 0 0 0 rg BT 150.00 628.25 Td (the ) Tj ET Q q 0 0 0 rg BT 166.30 628.25 Td (participation ) Tj ET Q q 0 0 0 rg BT 220.92 628.25 Td (of ) Tj ET Q q 0 0 0 rg BT 233.33 628.25 Td (our ) Tj ET Q q 0 0 0 rg BT 250.75 628.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 290.37 628.25 Td (executive ) Tj ET Q q 0 0 0 rg BT 332.77 628.25 Td (of) Tj ET Q q 0 0 0 rg BT 340.92 628.25 Td (ficer ) Tj ET Q q 0 0 0 rg BT 363.32 628.25 Td (and ) Tj ET Q q 0 0 0 rg BT 381.84 628.25 Td (our ) Tj ET Q q 0 0 0 rg BT 399.25 628.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 438.88 628.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 477.94 628.25 Td (of) Tj ET Q q 0 0 0 rg BT 486.09 628.25 Td (ficer\) ) Tj ET Q q 0 0 0 rg BT 511.82 628.25 Td (assessed ) Tj ET Q q 0 0 0 rg BT 549.78 628.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.25 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 616.25 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 104.08 616.25 Td (of ) Tj ET Q q 0 0 0 rg BT 114.49 616.25 Td (our ) Tj ET Q q 0 0 0 rg BT 129.89 616.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 162.50 616.25 Td (control ) Tj ET Q q 0 0 0 rg BT 192.90 616.25 Td (over ) Tj ET Q q 0 0 0 rg BT 212.74 616.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 249.80 616.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 288.53 616.25 Td (as ) Tj ET Q q 0 0 0 rg BT 298.93 616.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.33 616.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 357.50 616.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.50 616.25 Td (.In ) Tj ET Q q 0 0 0 rg BT 392.91 616.25 Td (making ) Tj ET Q q 0 0 0 rg BT 424.97 616.25 Td (this ) Tj ET Q q 0 0 0 rg BT 441.49 616.25 Td (assessment, ) Tj ET Q q 0 0 0 rg BT 490.51 616.25 Td (management ) Tj ET Q q 0 0 0 rg BT 543.67 616.25 Td (used ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.80 604.25 Td (criteria ) Tj ET Q q 0 0 0 rg BT 95.70 604.25 Td (established ) Tj ET Q q 0 0 0 rg BT 142.72 604.25 Td (in ) Tj ET Q q 0 0 0 rg BT 153.09 604.25 Td (Internal ) Tj ET Q q 0 0 0 rg BT 186.77 604.25 Td (Control ) Tj ET Q q 0 0 0 rg BT 219.91 604.25 Td ( ) Tj ET Q q 0 0 0 rg BT 227.50 604.25 Td (Integrated ) Tj ET Q q 0 0 0 rg BT 270.62 604.25 Td (Framework ) Tj ET Q q 0 0 0 rg BT 319.30 604.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 346.89 604.25 Td (by ) Tj ET Q q 0 0 0 rg BT 359.48 604.25 Td (the ) Tj ET Q q 0 0 0 rg BT 374.28 604.25 Td (Committee ) Tj ET Q q 0 0 0 rg BT 421.31 604.25 Td (of ) Tj ET Q q 0 0 0 rg BT 432.22 604.25 Td (Sponsoring ) Tj ET Q q 0 0 0 rg BT 480.37 604.25 Td (Or) Tj ET Q q 0 0 0 rg BT 490.74 604.25 Td (ganizations ) Tj ET Q q 0 0 0 rg BT 538.87 604.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 604.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.76 592.25 Td (readway ) Tj ET Q q 0 0 0 rg BT 91.77 592.25 Td (Commission ) Tj ET Q q 0 0 0 rg BT 144.48 592.25 Td (\(2013 ) Tj ET Q q 0 0 0 rg BT 169.95 592.25 Td (framework\) ) Tj ET Q q 0 0 0 rg BT 219.29 592.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 236.98 592.25 Td (COSO ) Tj ET Q q 0 0 0 rg BT 265.80 592.25 Td (criteria\).Based ) Tj ET Q q 0 0 0 rg BT 329.02 592.25 Td (on ) Tj ET Q q 0 0 0 rg BT 341.17 592.25 Td (our ) Tj ET Q q 0 0 0 rg BT 356.64 592.25 Td (assessment ) Tj ET Q q 0 0 0 rg BT 403.22 592.25 Td (and ) Tj ET Q q 0 0 0 rg BT 419.80 592.25 Td (those ) Tj ET Q q 0 0 0 rg BT 443.06 592.25 Td (criteria, ) Tj ET Q q 0 0 0 rg BT 476.01 592.25 Td (management ) Tj ET Q q 0 0 0 rg BT 529.24 592.25 Td (believes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.25 Td (that, ) Tj ET Q q 0 0 0 rg BT 70.00 580.25 Td (as ) Tj ET Q q 0 0 0 rg BT 80.83 580.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.66 580.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 140.25 580.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.25 580.25 Td (, ) Tj ET Q q 0 0 0 rg BT 165.25 580.25 Td (our ) Tj ET Q q 0 0 0 rg BT 181.08 580.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 214.13 580.25 Td (control ) Tj ET Q q 0 0 0 rg BT 244.95 580.25 Td (over ) Tj ET Q q 0 0 0 rg BT 265.22 580.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 302.70 580.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 341.86 580.25 Td (is ) Tj ET Q q 0 0 0 rg BT 351.03 580.25 Td (ef) Tj ET Q q 0 0 0 rg BT 358.61 580.25 Td (fective.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.73 562.25 Td (ef) Tj ET Q q 0 0 0 rg BT 75.32 562.25 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 121.92 562.25 Td (of ) Tj ET Q q 0 0 0 rg BT 132.44 562.25 Td (our ) Tj ET Q q 0 0 0 rg BT 147.95 562.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 180.67 562.25 Td (control ) Tj ET Q q 0 0 0 rg BT 211.18 562.25 Td (over ) Tj ET Q q 0 0 0 rg BT 231.13 562.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 268.30 562.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 307.13 562.25 Td (as ) Tj ET Q q 0 0 0 rg BT 317.65 562.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.16 562.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 376.44 562.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.44 562.25 Td (, ) Tj ET Q q 0 0 0 rg BT 401.12 562.25 Td (has ) Tj ET Q q 0 0 0 rg BT 416.64 562.25 Td (been ) Tj ET Q q 0 0 0 rg BT 437.70 562.25 Td (audited ) Tj ET Q q 0 0 0 rg BT 469.31 562.25 Td (by ) Tj ET Q q 0 0 0 rg BT 481.49 562.25 Td (Ernst ) Tj ET Q q 0 0 0 rg BT 504.79 562.25 Td (& ) Tj ET Q q 0 0 0 rg BT 514.42 562.25 Td (Y) Tj ET Q q 0 0 0 rg BT 520.64 562.25 Td (oung ) Tj ET Q q 0 0 0 rg BT 542.83 562.25 Td (LLP) Tj ET Q q 0 0 0 rg BT 559.50 562.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (an ) Tj ET Q q 0 0 0 rg BT 61.94 550.25 Td (independent ) Tj ET Q q 0 0 0 rg BT 113.31 550.25 Td (registered ) Tj ET Q q 0 0 0 rg BT 155.23 550.25 Td (public ) Tj ET Q q 0 0 0 rg BT 182.73 550.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 229.10 550.25 Td (firm, ) Tj ET Q q 0 0 0 rg BT 251.32 550.25 Td (as ) Tj ET Q q 0 0 0 rg BT 262.15 550.25 Td (stated ) Tj ET Q q 0 0 0 rg BT 287.97 550.25 Td (in ) Tj ET Q q 0 0 0 rg BT 298.25 550.25 Td (their ) Tj ET Q q 0 0 0 rg BT 319.08 550.25 Td (report ) Tj ET Q q 0 0 0 rg BT 345.45 550.25 Td (which ) Tj ET Q q 0 0 0 rg BT 372.39 550.25 Td (is ) Tj ET Q q 0 0 0 rg BT 381.56 550.25 Td (included ) Tj ET Q q 0 0 0 rg BT 418.50 550.25 Td (elsewhere ) Tj ET Q q 0 0 0 rg BT 460.97 550.25 Td (herein.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (Conn's, ) Tj ET Q q 0 0 0 rg BT 82.36 532.25 Td (Inc.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.87 520.25 Td (W) Tj ET Q q 0 0 0 rg BT 76.50 520.25 Td (oodlands, ) Tj ET Q q 0 0 0 rg BT 117.43 520.25 Td (T) Tj ET Q q 0 0 0 rg BT 122.84 520.25 Td (exas) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.25 Td (April5, ) Tj ET Q q 0 0 0 rg BT 83.61 508.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.61 508.25 Td ( ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 477.75 m 271.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 421.75 m 271.5 421.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 482.32 Td (/s/ Lee ) Tj ET Q q 0 0 0 rg BT 82.16 482.32 Td (A. ) Tj ET Q q 0 0 0 rg BT 94.01 482.32 Td (W) Tj ET Q q 0 0 0 rg BT 103.16 482.32 Td (right) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 468.32 Td (Lee ) Tj ET Q q 0 0 0 rg BT 70.21 468.32 Td (A. ) Tj ET Q q 0 0 0 rg BT 82.06 468.32 Td (W) Tj ET Q q 0 0 0 rg BT 91.21 468.32 Td (right) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 53.00 454.31 Td (Executive V) Tj ET Q q 0 0 0 rg BT 100.09 454.31 Td (ice Pr) Tj ET Q q 0 0 0 rg BT 123.69 454.31 Td (esident and Chief Financial Officer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 426.32 Td (/s/ Norman Miller) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 412.32 Td (Norman Miller) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 53.00 398.31 Td (Chief Executive Officer and Pr) Tj ET Q q 0 0 0 rg BT 176.48 398.31 Td (esident) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 117 0 obj <>] /Rotate 0 /Contents 118 0 R>> endobj 118 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (57) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 180.55 742.25 Td (Report of Independent Register) Tj ET Q q 0 0 0 rg BT 315.63 742.25 Td (ed Public ) Tj ET Q q 0 0 0 rg BT 357.31 742.25 Td (Accounting Firm) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 718.25 Td (o ) Tj ET Q q 0 0 0 rg BT 62.91 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 77.63 718.25 Td (Stockholders ) Tj ET Q q 0 0 0 rg BT 132.34 718.25 Td (and ) Tj ET Q q 0 0 0 rg BT 149.28 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 164.00 718.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 190.94 718.25 Td (of ) Tj ET Q q 0 0 0 rg BT 201.77 718.25 Td (Directors ) Tj ET Q q 0 0 0 rg BT 241.47 718.25 Td (of ) Tj ET Q q 0 0 0 rg BT 252.30 718.25 Td (Conn) Tj ET Q q 0 0 0 rg BT 276.75 718.25 Td (s, ) Tj ET Q q 0 0 0 rg BT 285.64 718.25 Td (Inc.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 698.25 Td (Opinion ) Tj ET Q q 0 0 0 rg BT 87.52 698.25 Td (on ) Tj ET Q q 0 0 0 rg BT 100.58 698.25 Td (Internal ) Tj ET Q q 0 0 0 rg BT 138.08 698.25 Td (Contr) Tj ET Q q 0 0 0 rg BT 163.45 698.25 Td (ol ) Tj ET Q q 0 0 0 rg BT 173.73 698.25 Td (over) Tj ET Q q 0 0 0 rg BT 192.43 698.25 Td ( ) Tj ET Q q 0 0 0 rg BT 194.93 698.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 237.43 698.25 Td (Reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 678.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 678.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.61 678.25 Td (have ) Tj ET Q q 0 0 0 rg BT 87.02 678.25 Td (audited ) Tj ET Q q 0 0 0 rg BT 118.99 678.25 Td (Conn) Tj ET Q q 0 0 0 rg BT 143.44 678.25 Td (s, ) Tj ET Q q 0 0 0 rg BT 152.36 678.25 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 170.17 678.25 Td (and ) Tj ET Q q 0 0 0 rg BT 187.14 678.25 Td (subsidiaries) Tj ET Q q 0 0 0 rg BT 236.94 678.25 Td ( ) Tj ET Q q 0 0 0 rg BT 239.48 678.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 272.55 678.25 Td (control ) Tj ET Q q 0 0 0 rg BT 303.41 678.25 Td (over ) Tj ET Q q 0 0 0 rg BT 323.72 678.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 361.23 678.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 400.42 678.25 Td (as ) Tj ET Q q 0 0 0 rg BT 411.28 678.25 Td (of ) Tj ET Q q 0 0 0 rg BT 422.15 678.25 Td (January ) Tj ET Q q 0 0 0 rg BT 455.78 678.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 470.82 678.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 495.85 678.25 Td (based ) Tj ET Q q 0 0 0 rg BT 521.15 678.25 Td (on ) Tj ET Q q 0 0 0 rg BT 533.69 678.25 Td (criteria ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 666.25 Td (established ) Tj ET Q q 0 0 0 rg BT 97.78 666.25 Td (in ) Tj ET Q q 0 0 0 rg BT 108.90 666.25 Td (Internal ) Tj ET Q q 0 0 0 rg BT 143.33 666.25 Td (Control-Integrated ) Tj ET Q q 0 0 0 rg BT 221.09 666.25 Td (Framework ) Tj ET Q q 0 0 0 rg BT 270.53 666.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 298.88 666.25 Td (by ) Tj ET Q q 0 0 0 rg BT 312.22 666.25 Td (the ) Tj ET Q q 0 0 0 rg BT 327.78 666.25 Td (Committee ) Tj ET Q q 0 0 0 rg BT 375.56 666.25 Td (of ) Tj ET Q q 0 0 0 rg BT 387.23 666.25 Td (Sponsoring ) Tj ET Q q 0 0 0 rg BT 436.14 666.25 Td (Or) Tj ET Q q 0 0 0 rg BT 446.51 666.25 Td (ganizations ) Tj ET Q q 0 0 0 rg BT 495.39 666.25 Td (of ) Tj ET Q q 0 0 0 rg BT 507.06 666.25 Td (the ) Tj ET Q q 0 0 0 rg BT 522.38 666.25 Td (T) Tj ET Q q 0 0 0 rg BT 528.14 666.25 Td (readway ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 654.25 Td (Commission ) Tj ET Q q 0 0 0 rg BT 103.04 654.25 Td (\(2013 ) Tj ET Q q 0 0 0 rg BT 128.85 654.25 Td (framework\) ) Tj ET Q q 0 0 0 rg BT 178.52 654.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 196.54 654.25 Td (COSO ) Tj ET Q q 0 0 0 rg BT 225.69 654.25 Td (criteria\). ) Tj ET Q q 0 0 0 rg BT 262.30 654.25 Td (In ) Tj ET Q q 0 0 0 rg BT 273.11 654.25 Td (our ) Tj ET Q q 0 0 0 rg BT 288.91 654.25 Td (opinion, ) Tj ET Q q 0 0 0 rg BT 324.44 654.25 Td (Conn) Tj ET Q q 0 0 0 rg BT 348.89 654.25 Td (s, ) Tj ET Q q 0 0 0 rg BT 357.76 654.25 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 375.50 654.25 Td (and ) Tj ET Q q 0 0 0 rg BT 392.42 654.25 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 442.11 654.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 460.13 654.25 Td (Company\) ) Tj ET Q q 0 0 0 rg BT 504.82 654.25 Td (maintained, ) Tj ET Q q 0 0 0 rg BT 554.22 654.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 642.25 Td (all ) Tj ET Q q 0 0 0 rg BT 62.50 642.25 Td (material ) Tj ET Q q 0 0 0 rg BT 97.75 642.25 Td (respects, ) Tj ET Q q 0 0 0 rg BT 134.96 642.25 Td (ef) Tj ET Q q 0 0 0 rg BT 142.55 642.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 172.25 642.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 205.29 642.25 Td (control ) Tj ET Q q 0 0 0 rg BT 236.12 642.25 Td (over ) Tj ET Q q 0 0 0 rg BT 256.39 642.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 293.87 642.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 333.02 642.25 Td (as ) Tj ET Q q 0 0 0 rg BT 343.85 642.25 Td (of ) Tj ET Q q 0 0 0 rg BT 354.68 642.25 Td (January ) Tj ET Q q 0 0 0 rg BT 388.28 642.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 403.28 642.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 428.28 642.25 Td (based ) Tj ET Q q 0 0 0 rg BT 453.55 642.25 Td (on ) Tj ET Q q 0 0 0 rg BT 466.05 642.25 Td (the ) Tj ET Q q 0 0 0 rg BT 480.77 642.25 Td (COSO ) Tj ET Q q 0 0 0 rg BT 509.94 642.25 Td (criteria.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 622.25 Td (e ) Tj ET Q q 0 0 0 rg BT 66.55 622.25 Td (also ) Tj ET Q q 0 0 0 rg BT 86.12 622.25 Td (have ) Tj ET Q q 0 0 0 rg BT 108.47 622.25 Td (audited, ) Tj ET Q q 0 0 0 rg BT 143.87 622.25 Td (in ) Tj ET Q q 0 0 0 rg BT 155.12 622.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 203.55 622.25 Td (with ) Tj ET Q q 0 0 0 rg BT 224.80 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 240.48 622.25 Td (standards ) Tj ET Q q 0 0 0 rg BT 281.72 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 293.52 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 309.21 622.25 Td (Public ) Tj ET Q q 0 0 0 rg BT 338.23 622.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 379.82 622.25 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 429.95 622.25 Td (Oversight ) Tj ET Q q 0 0 0 rg BT 472.85 622.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 500.76 622.25 Td (\(United ) Tj ET Q q 0 0 0 rg BT 534.78 622.25 Td (States\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (\(PCAOB\), ) Tj ET Q q 0 0 0 rg BT 94.89 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 109.50 610.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 162.42 610.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 195.34 610.25 Td (sheets ) Tj ET Q q 0 0 0 rg BT 222.17 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 232.88 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 247.49 610.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 288.76 610.25 Td (as ) Tj ET Q q 0 0 0 rg BT 299.48 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 310.20 610.25 Td (January ) Tj ET Q q 0 0 0 rg BT 343.68 610.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 358.57 610.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 380.95 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 397.78 610.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 422.67 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 437.27 610.25 Td (related ) Tj ET Q q 0 0 0 rg BT 466.86 610.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 519.79 610.25 Td (statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.34 598.25 Td (operations, ) Tj ET Q q 0 0 0 rg BT 106.50 598.25 Td (stockholders) Tj ET Q q 0 0 0 rg BT 159.63 598.25 Td ( ) Tj ET Q q 0 0 0 rg BT 161.64 598.25 Td (equity) Tj ET Q q 0 0 0 rg BT 185.98 598.25 Td (, ) Tj ET Q q 0 0 0 rg BT 190.49 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 206.93 598.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 226.71 598.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 250.94 598.25 Td (for ) Tj ET Q q 0 0 0 rg BT 264.60 598.25 Td (each ) Tj ET Q q 0 0 0 rg BT 284.92 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 295.26 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 309.48 598.25 Td (three ) Tj ET Q q 0 0 0 rg BT 331.47 598.25 Td (years ) Tj ET Q q 0 0 0 rg BT 354.58 598.25 Td (in ) Tj ET Q q 0 0 0 rg BT 364.36 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 378.58 598.25 Td (period ) Tj ET Q q 0 0 0 rg BT 406.14 598.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 432.02 598.25 Td (January ) Tj ET Q q 0 0 0 rg BT 465.12 598.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 479.63 598.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 504.14 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 520.58 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 534.80 598.25 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 73.61 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 90.55 586.25 Td (our ) Tj ET Q q 0 0 0 rg BT 106.38 586.25 Td (report ) Tj ET Q q 0 0 0 rg BT 132.75 586.25 Td (dated ) Tj ET Q q 0 0 0 rg BT 156.36 586.25 Td (April ) Tj ET Q q 0 0 0 rg BT 179.97 586.25 Td (5, ) Tj ET Q q 0 0 0 rg BT 189.97 586.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 212.47 586.25 Td (expressed ) Tj ET Q q 0 0 0 rg BT 254.39 586.25 Td (an ) Tj ET Q q 0 0 0 rg BT 266.33 586.25 Td (unqualified ) Tj ET Q q 0 0 0 rg BT 314.38 586.25 Td (opinion ) Tj ET Q q 0 0 0 rg BT 347.43 586.25 Td (thereon.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 566.25 Td (Basis ) Tj ET Q q 0 0 0 rg BT 74.73 566.25 Td (for) Tj ET Q q 0 0 0 rg BT 87.32 566.25 Td ( ) Tj ET Q q 0 0 0 rg BT 89.82 566.25 Td (Opinion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 546.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.12 546.25 Td (Company) Tj ET Q q 0 0 0 rg BT 108.78 546.25 Td (s ) Tj ET Q q 0 0 0 rg BT 114.24 546.25 Td (management ) Tj ET Q q 0 0 0 rg BT 166.90 546.25 Td (is ) Tj ET Q q 0 0 0 rg BT 175.14 546.25 Td (responsible ) Tj ET Q q 0 0 0 rg BT 222.26 546.25 Td (for ) Tj ET Q q 0 0 0 rg BT 235.49 546.25 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 284.83 546.25 Td (ef) Tj ET Q q 0 0 0 rg BT 292.41 546.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 321.19 546.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 353.30 546.25 Td (control ) Tj ET Q q 0 0 0 rg BT 383.19 546.25 Td (over ) Tj ET Q q 0 0 0 rg BT 402.53 546.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 439.08 546.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 477.31 546.25 Td (and ) Tj ET Q q 0 0 0 rg BT 493.32 546.25 Td (for ) Tj ET Q q 0 0 0 rg BT 506.55 546.25 Td (its ) Tj ET Q q 0 0 0 rg BT 517.56 546.25 Td (assessment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 534.25 Td (of ) Tj ET Q q 0 0 0 rg BT 61.01 534.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.91 534.25 Td (ef) Tj ET Q q 0 0 0 rg BT 83.50 534.25 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 130.61 534.25 Td (of ) Tj ET Q q 0 0 0 rg BT 141.62 534.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 174.85 534.25 Td (control ) Tj ET Q q 0 0 0 rg BT 205.85 534.25 Td (over ) Tj ET Q q 0 0 0 rg BT 226.31 534.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 263.97 534.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 303.31 534.25 Td (included ) Tj ET Q q 0 0 0 rg BT 340.42 534.25 Td (in ) Tj ET Q q 0 0 0 rg BT 350.89 534.25 Td (the ) Tj ET Q q 0 0 0 rg BT 365.79 534.25 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 426.78 534.25 Td (Management) Tj ET Q q 0 0 0 rg BT 481.76 534.25 Td (s ) Tj ET Q q 0 0 0 rg BT 488.33 534.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 518.23 534.25 Td (on ) Tj ET Q q 0 0 0 rg BT 530.92 534.25 Td (Internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 522.25 Td (Control ) Tj ET Q q 0 0 0 rg BT 83.38 522.25 Td (Over ) Tj ET Q q 0 0 0 rg BT 106.19 522.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 146.22 522.25 Td (Reporting. ) Tj ET Q q 0 0 0 rg BT 191.53 522.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 209.90 522.25 Td (responsibility ) Tj ET Q q 0 0 0 rg BT 267.17 522.25 Td (is ) Tj ET Q q 0 0 0 rg BT 276.66 522.25 Td (to ) Tj ET Q q 0 0 0 rg BT 287.26 522.25 Td (express ) Tj ET Q q 0 0 0 rg BT 320.07 522.25 Td (an ) Tj ET Q q 0 0 0 rg BT 332.32 522.25 Td (opinion ) Tj ET Q q 0 0 0 rg BT 365.70 522.25 Td (on ) Tj ET Q q 0 0 0 rg BT 378.52 522.25 Td (the ) Tj ET Q q 0 0 0 rg BT 393.56 522.25 Td (Company) Tj ET Q q 0 0 0 rg BT 435.22 522.25 Td (s ) Tj ET Q q 0 0 0 rg BT 441.93 522.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 475.30 522.25 Td (control ) Tj ET Q q 0 0 0 rg BT 506.44 522.25 Td (over ) Tj ET Q q 0 0 0 rg BT 527.03 522.25 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 510.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 88.77 510.25 Td (based ) Tj ET Q q 0 0 0 rg BT 113.66 510.25 Td (on ) Tj ET Q q 0 0 0 rg BT 125.78 510.25 Td (our ) Tj ET Q q 0 0 0 rg BT 141.23 510.25 Td (audit. ) Tj ET Q q 0 0 0 rg BT 165.69 510.25 Td (W) Tj ET Q q 0 0 0 rg BT 174.33 510.25 Td (e ) Tj ET Q q 0 0 0 rg BT 180.89 510.25 Td (are ) Tj ET Q q 0 0 0 rg BT 195.21 510.25 Td (a ) Tj ET Q q 0 0 0 rg BT 201.77 510.25 Td (public ) Tj ET Q q 0 0 0 rg BT 228.88 510.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 274.88 510.25 Td (firm ) Tj ET Q q 0 0 0 rg BT 294.21 510.25 Td (registered ) Tj ET Q q 0 0 0 rg BT 335.75 510.25 Td (with ) Tj ET Q q 0 0 0 rg BT 355.65 510.25 Td (the ) Tj ET Q q 0 0 0 rg BT 369.99 510.25 Td (PCAOB ) Tj ET Q q 0 0 0 rg BT 405.45 510.25 Td (and ) Tj ET Q q 0 0 0 rg BT 422.01 510.25 Td (are ) Tj ET Q q 0 0 0 rg BT 436.34 510.25 Td (required ) Tj ET Q q 0 0 0 rg BT 471.77 510.25 Td (to ) Tj ET Q q 0 0 0 rg BT 481.67 510.25 Td (be ) Tj ET Q q 0 0 0 rg BT 493.23 510.25 Td (independent ) Tj ET Q q 0 0 0 rg BT 544.22 510.25 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 498.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 80.04 498.25 Td (to ) Tj ET Q q 0 0 0 rg BT 89.53 498.25 Td (the ) Tj ET Q q 0 0 0 rg BT 103.47 498.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 144.08 498.25 Td (in ) Tj ET Q q 0 0 0 rg BT 153.58 498.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 200.26 498.25 Td (with ) Tj ET Q q 0 0 0 rg BT 219.76 498.25 Td (the ) Tj ET Q q 0 0 0 rg BT 233.69 498.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 253.20 498.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 282.67 498.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 322.15 498.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 342.21 498.25 Td (and ) Tj ET Q q 0 0 0 rg BT 358.36 498.25 Td (the ) Tj ET Q q 0 0 0 rg BT 372.30 498.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 415.11 498.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 436.27 498.25 Td (and ) Tj ET Q q 0 0 0 rg BT 452.43 498.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 498.58 498.25 Td (of ) Tj ET Q q 0 0 0 rg BT 508.63 498.25 Td (the ) Tj ET Q q 0 0 0 rg BT 522.57 498.25 Td (Securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 486.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 486.25 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 108.86 486.25 Td (Commission ) Tj ET Q q 0 0 0 rg BT 161.93 486.25 Td (and ) Tj ET Q q 0 0 0 rg BT 178.87 486.25 Td (the ) Tj ET Q q 0 0 0 rg BT 193.58 486.25 Td (PCAOB.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 466.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.80 466.25 Td (conducted ) Tj ET Q q 0 0 0 rg BT 109.63 466.25 Td (our ) Tj ET Q q 0 0 0 rg BT 125.69 466.25 Td (audit ) Tj ET Q q 0 0 0 rg BT 148.41 466.25 Td (in ) Tj ET Q q 0 0 0 rg BT 158.92 466.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 206.61 466.25 Td (with ) Tj ET Q q 0 0 0 rg BT 227.11 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 242.06 466.25 Td (standards ) Tj ET Q q 0 0 0 rg BT 282.55 466.25 Td (of ) Tj ET Q q 0 0 0 rg BT 293.61 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 308.56 466.25 Td (PCAOB. ) Tj ET Q q 0 0 0 rg BT 346.93 466.25 Td (Those ) Tj ET Q q 0 0 0 rg BT 374.10 466.25 Td (standards ) Tj ET Q q 0 0 0 rg BT 414.60 466.25 Td (require ) Tj ET Q q 0 0 0 rg BT 445.64 466.25 Td (that ) Tj ET Q q 0 0 0 rg BT 463.37 466.25 Td (we ) Tj ET Q q 0 0 0 rg BT 477.75 466.25 Td (plan ) Tj ET Q q 0 0 0 rg BT 497.70 466.25 Td (and ) Tj ET Q q 0 0 0 rg BT 514.87 466.25 Td (perform ) Tj ET Q q 0 0 0 rg BT 549.80 466.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (audit ) Tj ET Q q 0 0 0 rg BT 71.74 454.25 Td (to ) Tj ET Q q 0 0 0 rg BT 81.26 454.25 Td (obtain ) Tj ET Q q 0 0 0 rg BT 108.00 454.25 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 152.49 454.25 Td (assurance ) Tj ET Q q 0 0 0 rg BT 193.10 454.25 Td (about ) Tj ET Q q 0 0 0 rg BT 217.06 454.25 Td (whether ) Tj ET Q q 0 0 0 rg BT 251.01 454.25 Td (ef) Tj ET Q q 0 0 0 rg BT 258.60 454.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 287.54 454.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 319.83 454.25 Td (control ) Tj ET Q q 0 0 0 rg BT 349.89 454.25 Td (over ) Tj ET Q q 0 0 0 rg BT 369.40 454.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 406.13 454.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 444.52 454.25 Td (was ) Tj ET Q q 0 0 0 rg BT 461.82 454.25 Td (maintained ) Tj ET Q q 0 0 0 rg BT 507.99 454.25 Td (in ) Tj ET Q q 0 0 0 rg BT 517.51 454.25 Td (all ) Tj ET Q q 0 0 0 rg BT 529.25 454.25 Td (material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (respects.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 422.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 66.89 422.25 Td (audit ) Tj ET Q q 0 0 0 rg BT 88.23 422.25 Td (included ) Tj ET Q q 0 0 0 rg BT 124.00 422.25 Td (obtaining ) Tj ET Q q 0 0 0 rg BT 163.11 422.25 Td (an ) Tj ET Q q 0 0 0 rg BT 173.89 422.25 Td (understanding ) Tj ET Q q 0 0 0 rg BT 231.88 422.25 Td (of ) Tj ET Q q 0 0 0 rg BT 241.55 422.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 273.43 422.25 Td (control ) Tj ET Q q 0 0 0 rg BT 303.10 422.25 Td (over ) Tj ET Q q 0 0 0 rg BT 322.21 422.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 358.53 422.25 Td (reporting, ) Tj ET Q q 0 0 0 rg BT 399.02 422.25 Td (assessing ) Tj ET Q q 0 0 0 rg BT 437.58 422.25 Td (the ) Tj ET Q q 0 0 0 rg BT 451.14 422.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 467.48 422.25 Td (that ) Tj ET Q q 0 0 0 rg BT 483.81 422.25 Td (a ) Tj ET Q q 0 0 0 rg BT 489.59 422.25 Td (material ) Tj ET Q q 0 0 0 rg BT 523.69 422.25 Td (weakness ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 410.25 Td (exists, ) Tj ET Q q 0 0 0 rg BT 77.41 410.25 Td (testing ) Tj ET Q q 0 0 0 rg BT 106.22 410.25 Td (and ) Tj ET Q q 0 0 0 rg BT 122.79 410.25 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 166.58 410.25 Td (the ) Tj ET Q q 0 0 0 rg BT 180.93 410.25 Td (design ) Tj ET Q q 0 0 0 rg BT 209.17 410.25 Td (and ) Tj ET Q q 0 0 0 rg BT 225.75 410.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 265.65 410.25 Td (ef) Tj ET Q q 0 0 0 rg BT 273.24 410.25 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 319.80 410.25 Td (of ) Tj ET Q q 0 0 0 rg BT 330.26 410.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 362.94 410.25 Td (control ) Tj ET Q q 0 0 0 rg BT 393.40 410.25 Td (based ) Tj ET Q q 0 0 0 rg BT 418.31 410.25 Td (on ) Tj ET Q q 0 0 0 rg BT 430.44 410.25 Td (the ) Tj ET Q q 0 0 0 rg BT 444.80 410.25 Td (assessed ) Tj ET Q q 0 0 0 rg BT 480.82 410.25 Td (risk, ) Tj ET Q q 0 0 0 rg BT 500.45 410.25 Td (and ) Tj ET Q q 0 0 0 rg BT 517.03 410.25 Td (performing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 398.25 Td (such ) Tj ET Q q 0 0 0 rg BT 70.68 398.25 Td (other ) Tj ET Q q 0 0 0 rg BT 93.57 398.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 139.78 398.25 Td (as ) Tj ET Q q 0 0 0 rg BT 150.46 398.25 Td (we ) Tj ET Q q 0 0 0 rg BT 164.46 398.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 210.12 398.25 Td (necessary ) Tj ET Q q 0 0 0 rg BT 251.33 398.25 Td (in ) Tj ET Q q 0 0 0 rg BT 261.46 398.25 Td (the ) Tj ET Q q 0 0 0 rg BT 276.02 398.25 Td (circumstances. ) Tj ET Q q 0 0 0 rg BT 337.33 398.25 Td (W) Tj ET Q q 0 0 0 rg BT 345.97 398.25 Td (e ) Tj ET Q q 0 0 0 rg BT 352.76 398.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 383.97 398.25 Td (that ) Tj ET Q q 0 0 0 rg BT 401.31 398.25 Td (our ) Tj ET Q q 0 0 0 rg BT 416.99 398.25 Td (audit ) Tj ET Q q 0 0 0 rg BT 439.33 398.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 476.11 398.25 Td (a ) Tj ET Q q 0 0 0 rg BT 482.90 398.25 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 528.00 398.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 550.34 398.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 386.25 Td (our ) Tj ET Q q 0 0 0 rg BT 65.83 386.25 Td (opinion.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 366.25 Td (Definition ) Tj ET Q q 0 0 0 rg BT 95.28 366.25 Td (and ) Tj ET Q q 0 0 0 rg BT 113.90 366.25 Td (Limitations ) Tj ET Q q 0 0 0 rg BT 165.85 366.25 Td (of ) Tj ET Q q 0 0 0 rg BT 176.68 366.25 Td (Internal ) Tj ET Q q 0 0 0 rg BT 214.18 366.25 Td (Contr) Tj ET Q q 0 0 0 rg BT 239.55 366.25 Td (ol ) Tj ET Q q 0 0 0 rg BT 249.83 366.25 Td (Over) Tj ET Q q 0 0 0 rg BT 271.30 366.25 Td ( ) Tj ET Q q 0 0 0 rg BT 273.80 366.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 316.31 366.25 Td (Reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 346.25 Td ( ) Tj ET Q q 0 0 0 rg BT 58.30 346.25 Td (company) Tj ET Q q 0 0 0 rg BT 97.74 346.25 Td (s ) Tj ET Q q 0 0 0 rg BT 103.26 346.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 135.43 346.25 Td (control ) Tj ET Q q 0 0 0 rg BT 165.39 346.25 Td (over ) Tj ET Q q 0 0 0 rg BT 184.79 346.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 221.41 346.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 259.69 346.25 Td (is ) Tj ET Q q 0 0 0 rg BT 268.00 346.25 Td (a ) Tj ET Q q 0 0 0 rg BT 274.07 346.25 Td (process ) Tj ET Q q 0 0 0 rg BT 305.69 346.25 Td (designed ) Tj ET Q q 0 0 0 rg BT 342.87 346.25 Td (to ) Tj ET Q q 0 0 0 rg BT 352.28 346.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 384.46 346.25 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 428.84 346.25 Td (assurance ) Tj ET Q q 0 0 0 rg BT 469.34 346.25 Td (regarding ) Tj ET Q q 0 0 0 rg BT 509.29 346.25 Td (the ) Tj ET Q q 0 0 0 rg BT 523.14 346.25 Td (reliability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (of ) Tj ET Q q 0 0 0 rg BT 61.59 334.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 99.84 334.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 139.76 334.25 Td (and ) Tj ET Q q 0 0 0 rg BT 157.46 334.25 Td (the ) Tj ET Q q 0 0 0 rg BT 172.94 334.25 Td (preparation ) Tj ET Q q 0 0 0 rg BT 221.74 334.25 Td (of ) Tj ET Q q 0 0 0 rg BT 233.33 334.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 271.58 334.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 317.05 334.25 Td (for ) Tj ET Q q 0 0 0 rg BT 331.98 334.25 Td (external ) Tj ET Q q 0 0 0 rg BT 367.44 334.25 Td (purposes ) Tj ET Q q 0 0 0 rg BT 406.26 334.25 Td (in ) Tj ET Q q 0 0 0 rg BT 417.30 334.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 465.53 334.25 Td (with ) Tj ET Q q 0 0 0 rg BT 486.57 334.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 527.04 334.25 Td (accepted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 95.75 322.25 Td (principles. ) Tj ET Q q 0 0 0 rg BT 139.15 322.25 Td (A) Tj ET Q q 0 0 0 rg BT 145.82 322.25 Td ( ) Tj ET Q q 0 0 0 rg BT 147.70 322.25 Td (company) Tj ET Q q 0 0 0 rg BT 187.13 322.25 Td (s ) Tj ET Q q 0 0 0 rg BT 192.91 322.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 225.33 322.25 Td (control ) Tj ET Q q 0 0 0 rg BT 255.53 322.25 Td (over ) Tj ET Q q 0 0 0 rg BT 275.18 322.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 312.04 322.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 350.58 322.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 385.78 322.25 Td (those ) Tj ET Q q 0 0 0 rg BT 408.77 322.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 441.75 322.25 Td (and ) Tj ET Q q 0 0 0 rg BT 458.07 322.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 503.82 322.25 Td (that ) Tj ET Q q 0 0 0 rg BT 520.69 322.25 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 534.23 322.25 Td (pertain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.00 310.25 Td (the ) Tj ET Q q 0 0 0 rg BT 74.44 310.25 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 127.18 310.25 Td (of ) Tj ET Q q 0 0 0 rg BT 137.74 310.25 Td (records ) Tj ET Q q 0 0 0 rg BT 169.38 310.25 Td (that, ) Tj ET Q q 0 0 0 rg BT 189.10 310.25 Td (in ) Tj ET Q q 0 0 0 rg BT 199.10 310.25 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 244.07 310.25 Td (detail, ) Tj ET Q q 0 0 0 rg BT 271.01 310.25 Td (accurately ) Tj ET Q q 0 0 0 rg BT 314.31 310.25 Td (and ) Tj ET Q q 0 0 0 rg BT 330.97 310.25 Td (fairly ) Tj ET Q q 0 0 0 rg BT 354.84 310.25 Td (reflect ) Tj ET Q q 0 0 0 rg BT 382.59 310.25 Td (the ) Tj ET Q q 0 0 0 rg BT 397.03 310.25 Td (transactions ) Tj ET Q q 0 0 0 rg BT 447.02 310.25 Td (and ) Tj ET Q q 0 0 0 rg BT 463.68 310.25 Td (dispositions ) Tj ET Q q 0 0 0 rg BT 513.68 310.25 Td (of ) Tj ET Q q 0 0 0 rg BT 524.24 310.25 Td (the ) Tj ET Q q 0 0 0 rg BT 538.67 310.25 Td (assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (of ) Tj ET Q q 0 0 0 rg BT 61.17 298.25 Td (the ) Tj ET Q q 0 0 0 rg BT 76.23 298.25 Td (company; ) Tj ET Q q 0 0 0 rg BT 118.51 298.25 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 133.01 298.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 166.40 298.25 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 212.00 298.25 Td (assurance ) Tj ET Q q 0 0 0 rg BT 253.71 298.25 Td (that ) Tj ET Q q 0 0 0 rg BT 271.55 298.25 Td (transactions ) Tj ET Q q 0 0 0 rg BT 322.16 298.25 Td (are ) Tj ET Q q 0 0 0 rg BT 337.21 298.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 375.03 298.25 Td (as ) Tj ET Q q 0 0 0 rg BT 386.20 298.25 Td (necessary ) Tj ET Q q 0 0 0 rg BT 427.91 298.25 Td (to ) Tj ET Q q 0 0 0 rg BT 438.53 298.25 Td (permit ) Tj ET Q q 0 0 0 rg BT 467.48 298.25 Td (preparation ) Tj ET Q q 0 0 0 rg BT 515.85 298.25 Td (of ) Tj ET Q q 0 0 0 rg BT 527.03 298.25 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 95.08 286.25 Td (in ) Tj ET Q q 0 0 0 rg BT 105.72 286.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 153.54 286.25 Td (with ) Tj ET Q q 0 0 0 rg BT 174.18 286.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 214.25 286.25 Td (accepted ) Tj ET Q q 0 0 0 rg BT 252.08 286.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 298.82 286.25 Td (principles, ) Tj ET Q q 0 0 0 rg BT 343.62 286.25 Td (and ) Tj ET Q q 0 0 0 rg BT 360.92 286.25 Td (that ) Tj ET Q q 0 0 0 rg BT 378.78 286.25 Td (receipts ) Tj ET Q q 0 0 0 rg BT 412.74 286.25 Td (and ) Tj ET Q q 0 0 0 rg BT 430.04 286.25 Td (expenditures ) Tj ET Q q 0 0 0 rg BT 484.00 286.25 Td (of ) Tj ET Q q 0 0 0 rg BT 495.19 286.25 Td (the ) Tj ET Q q 0 0 0 rg BT 510.27 286.25 Td (company ) Tj ET Q q 0 0 0 rg BT 549.79 286.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.25 Td (being ) Tj ET Q q 0 0 0 rg BT 75.45 274.25 Td (made ) Tj ET Q q 0 0 0 rg BT 100.34 274.25 Td (only ) Tj ET Q q 0 0 0 rg BT 121.35 274.25 Td (in ) Tj ET Q q 0 0 0 rg BT 132.36 274.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 180.56 274.25 Td (with ) Tj ET Q q 0 0 0 rg BT 201.57 274.25 Td (authorizations ) Tj ET Q q 0 0 0 rg BT 261.46 274.25 Td (of ) Tj ET Q q 0 0 0 rg BT 273.02 274.25 Td (management ) Tj ET Q q 0 0 0 rg BT 327.34 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 345.01 274.25 Td (directors ) Tj ET Q q 0 0 0 rg BT 383.23 274.25 Td (of ) Tj ET Q q 0 0 0 rg BT 394.80 274.25 Td (the ) Tj ET Q q 0 0 0 rg BT 410.25 274.25 Td (company; ) Tj ET Q q 0 0 0 rg BT 452.92 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 470.59 274.25 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 485.48 274.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 519.26 274.25 Td (reasonable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (assurance ) Tj ET Q q 0 0 0 rg BT 91.64 262.25 Td (regarding ) Tj ET Q q 0 0 0 rg BT 132.73 262.25 Td (prevention ) Tj ET Q q 0 0 0 rg BT 178.26 262.25 Td (or ) Tj ET Q q 0 0 0 rg BT 189.37 262.25 Td (timely ) Tj ET Q q 0 0 0 rg BT 217.69 262.25 Td (detection ) Tj ET Q q 0 0 0 rg BT 257.11 262.25 Td (of ) Tj ET Q q 0 0 0 rg BT 268.22 262.25 Td (unauthorized ) Tj ET Q q 0 0 0 rg BT 323.19 262.25 Td (acquisition, ) Tj ET Q q 0 0 0 rg BT 372.34 262.25 Td (use, ) Tj ET Q q 0 0 0 rg BT 390.95 262.25 Td (or ) Tj ET Q q 0 0 0 rg BT 402.05 262.25 Td (disposition ) Tj ET Q q 0 0 0 rg BT 448.72 262.25 Td (of ) Tj ET Q q 0 0 0 rg BT 459.82 262.25 Td (the ) Tj ET Q q 0 0 0 rg BT 474.81 262.25 Td (company) Tj ET Q q 0 0 0 rg BT 514.24 262.25 Td (s ) Tj ET Q q 0 0 0 rg BT 520.91 262.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 547.01 262.25 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (could ) Tj ET Q q 0 0 0 rg BT 74.72 250.25 Td (have ) Tj ET Q q 0 0 0 rg BT 96.09 250.25 Td (a ) Tj ET Q q 0 0 0 rg BT 103.03 250.25 Td (material ) Tj ET Q q 0 0 0 rg BT 138.29 250.25 Td (ef) Tj ET Q q 0 0 0 rg BT 145.88 250.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 163.36 250.25 Td (on ) Tj ET Q q 0 0 0 rg BT 175.86 250.25 Td (the ) Tj ET Q q 0 0 0 rg BT 190.58 250.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 228.06 250.25 Td (statements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 230.25 Td (Because ) Tj ET Q q 0 0 0 rg BT 87.24 230.25 Td (of ) Tj ET Q q 0 0 0 rg BT 99.49 230.25 Td (its ) Tj ET Q q 0 0 0 rg BT 112.85 230.25 Td (inherent ) Tj ET Q q 0 0 0 rg BT 149.54 230.25 Td (limitations, ) Tj ET Q q 0 0 0 rg BT 198.74 230.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 233.20 230.25 Td (control ) Tj ET Q q 0 0 0 rg BT 265.45 230.25 Td (over ) Tj ET Q q 0 0 0 rg BT 287.13 230.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 326.04 230.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 366.61 230.25 Td (may ) Tj ET Q q 0 0 0 rg BT 387.75 230.25 Td (not ) Tj ET Q q 0 0 0 rg BT 404.45 230.25 Td (prevent ) Tj ET Q q 0 0 0 rg BT 438.35 230.25 Td (or ) Tj ET Q q 0 0 0 rg BT 450.60 230.25 Td (detect ) Tj ET Q q 0 0 0 rg BT 478.40 230.25 Td (misstatements. ) Tj ET Q q 0 0 0 rg BT 540.61 230.25 Td (Also, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 218.25 Td (projections ) Tj ET Q q 0 0 0 rg BT 96.31 218.25 Td (of ) Tj ET Q q 0 0 0 rg BT 106.52 218.25 Td (any ) Tj ET Q q 0 0 0 rg BT 122.84 218.25 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 166.37 218.25 Td (of ) Tj ET Q q 0 0 0 rg BT 176.58 218.25 Td (ef) Tj ET Q q 0 0 0 rg BT 184.17 218.25 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 230.47 218.25 Td (to ) Tj ET Q q 0 0 0 rg BT 240.13 218.25 Td (future ) Tj ET Q q 0 0 0 rg BT 265.89 218.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 297.21 218.25 Td (are ) Tj ET Q q 0 0 0 rg BT 311.29 218.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 341.50 218.25 Td (to ) Tj ET Q q 0 0 0 rg BT 351.16 218.25 Td (the ) Tj ET Q q 0 0 0 rg BT 365.25 218.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 382.13 218.25 Td (that ) Tj ET Q q 0 0 0 rg BT 399.01 218.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 433.11 218.25 Td (may ) Tj ET Q q 0 0 0 rg BT 452.20 218.25 Td (become ) Tj ET Q q 0 0 0 rg BT 485.18 218.25 Td (inadequate ) Tj ET Q q 0 0 0 rg BT 530.37 218.25 Td (because ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 206.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 206.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 95.54 206.25 Td (in ) Tj ET Q q 0 0 0 rg BT 105.82 206.25 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 152.48 206.25 Td (or ) Tj ET Q q 0 0 0 rg BT 163.31 206.25 Td (that ) Tj ET Q q 0 0 0 rg BT 180.81 206.25 Td (the ) Tj ET Q q 0 0 0 rg BT 195.52 206.25 Td (degree ) Tj ET Q q 0 0 0 rg BT 224.67 206.25 Td (of ) Tj ET Q q 0 0 0 rg BT 235.50 206.25 Td (compliance ) Tj ET Q q 0 0 0 rg BT 284.09 206.25 Td (with ) Tj ET Q q 0 0 0 rg BT 304.37 206.25 Td (the ) Tj ET Q q 0 0 0 rg BT 319.08 206.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 352.69 206.25 Td (or ) Tj ET Q q 0 0 0 rg BT 363.52 206.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 409.88 206.25 Td (may ) Tj ET Q q 0 0 0 rg BT 429.60 206.25 Td (deteriorate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 178.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 178.32 Td (/s/ ) Tj ET Q q 0 0 0 rg BT 364.95 178.32 Td (Ernst ) Tj ET Q q 0 0 0 rg BT 388.56 178.32 Td (& ) Tj ET Q q 0 0 0 rg BT 398.46 178.32 Td (Y) Tj ET Q q 0 0 0 rg BT 404.68 178.32 Td (oung ) Tj ET Q q 0 0 0 rg BT 427.18 178.32 Td (LLP) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 150.25 Td (Houston, ) Tj ET Q q 0 0 0 rg BT 88.71 150.25 Td (T) Tj ET Q q 0 0 0 rg BT 94.12 150.25 Td (exas) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 138.25 Td (April5, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.61 138.25 Td ( ) Tj ET Q endstream endobj 119 0 obj <>] /Rotate 0 /Contents 120 0 R>> endobj 120 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (58) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 158.00 742.25 Td (Report of Independent Register) Tj ET Q q 0 0 0 rg BT 293.08 742.25 Td (ed Public ) Tj ET Q q 0 0 0 rg BT 334.76 742.25 Td (Accounting Firm ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 718.25 Td (o ) Tj ET Q q 0 0 0 rg BT 62.91 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 77.63 718.25 Td (Stockholders ) Tj ET Q q 0 0 0 rg BT 132.34 718.25 Td (and ) Tj ET Q q 0 0 0 rg BT 149.28 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 164.00 718.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 190.94 718.25 Td (of ) Tj ET Q q 0 0 0 rg BT 201.77 718.25 Td (Directors ) Tj ET Q q 0 0 0 rg BT 241.47 718.25 Td (of ) Tj ET Q q 0 0 0 rg BT 252.30 718.25 Td (Conn) Tj ET Q q 0 0 0 rg BT 276.75 718.25 Td (s, ) Tj ET Q q 0 0 0 rg BT 285.64 718.25 Td (Inc.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 698.25 Td (Opinion ) Tj ET Q q 0 0 0 rg BT 87.52 698.25 Td (on ) Tj ET Q q 0 0 0 rg BT 100.58 698.25 Td (the ) Tj ET Q q 0 0 0 rg BT 116.41 698.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 158.92 698.25 Td (Statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 678.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 678.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.32 678.25 Td (have ) Tj ET Q q 0 0 0 rg BT 86.45 678.25 Td (audited ) Tj ET Q q 0 0 0 rg BT 118.13 678.25 Td (the ) Tj ET Q q 0 0 0 rg BT 132.59 678.25 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 193.15 678.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 245.94 678.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 278.72 678.25 Td (sheets ) Tj ET Q q 0 0 0 rg BT 305.41 678.25 Td (of ) Tj ET Q q 0 0 0 rg BT 315.98 678.25 Td (Conn) Tj ET Q q 0 0 0 rg BT 340.43 678.25 Td (s, ) Tj ET Q q 0 0 0 rg BT 349.07 678.25 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 366.59 678.25 Td (and ) Tj ET Q q 0 0 0 rg BT 383.27 678.25 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 432.74 678.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 450.53 678.25 Td (Company\) ) Tj ET Q q 0 0 0 rg BT 495.00 678.25 Td (as ) Tj ET Q q 0 0 0 rg BT 505.58 678.25 Td (of ) Tj ET Q q 0 0 0 rg BT 516.15 678.25 Td (January ) Tj ET Q q 0 0 0 rg BT 549.50 678.25 Td (31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 666.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 72.34 666.25 Td (and ) Tj ET Q q 0 0 0 rg BT 89.11 666.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 113.95 666.25 Td (the ) Tj ET Q q 0 0 0 rg BT 128.50 666.25 Td (related ) Tj ET Q q 0 0 0 rg BT 158.04 666.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 210.92 666.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 255.47 666.25 Td (of ) Tj ET Q q 0 0 0 rg BT 266.13 666.25 Td (operations, ) Tj ET Q q 0 0 0 rg BT 312.62 666.25 Td (stockholders) Tj ET Q q 0 0 0 rg BT 365.76 666.25 Td ( ) Tj ET Q q 0 0 0 rg BT 368.10 666.25 Td (equity) Tj ET Q q 0 0 0 rg BT 392.44 666.25 Td (, ) Tj ET Q q 0 0 0 rg BT 397.28 666.25 Td (and ) Tj ET Q q 0 0 0 rg BT 414.05 666.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 434.16 666.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 458.72 666.25 Td (for ) Tj ET Q q 0 0 0 rg BT 472.71 666.25 Td (each ) Tj ET Q q 0 0 0 rg BT 493.36 666.25 Td (of ) Tj ET Q q 0 0 0 rg BT 504.03 666.25 Td (the ) Tj ET Q q 0 0 0 rg BT 518.58 666.25 Td (three ) Tj ET Q q 0 0 0 rg BT 540.91 666.25 Td (years ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 654.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.51 654.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.46 654.25 Td (period ) Tj ET Q q 0 0 0 rg BT 103.73 654.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 130.34 654.25 Td (January ) Tj ET Q q 0 0 0 rg BT 164.17 654.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 179.40 654.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 204.63 654.25 Td (and ) Tj ET Q q 0 0 0 rg BT 221.80 654.25 Td (the ) Tj ET Q q 0 0 0 rg BT 236.75 654.25 Td (related ) Tj ET Q q 0 0 0 rg BT 266.68 654.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 290.52 654.25 Td (\(collectively ) Tj ET Q q 0 0 0 rg BT 343.23 654.25 Td (referred ) Tj ET Q q 0 0 0 rg BT 377.60 654.25 Td (to ) Tj ET Q q 0 0 0 rg BT 388.11 654.25 Td (as ) Tj ET Q q 0 0 0 rg BT 399.17 654.25 Td (the ) Tj ET Q q 0 0 0 rg BT 414.12 654.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 471.83 654.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 509.54 654.25 Td (statements\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 642.25 Td (In ) Tj ET Q q 0 0 0 rg BT 60.60 642.25 Td (our ) Tj ET Q q 0 0 0 rg BT 76.20 642.25 Td (opinion, ) Tj ET Q q 0 0 0 rg BT 111.53 642.25 Td (the ) Tj ET Q q 0 0 0 rg BT 126.01 642.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 178.82 642.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 216.07 642.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 260.55 642.25 Td (present ) Tj ET Q q 0 0 0 rg BT 291.70 642.25 Td (fairly) Tj ET Q q 0 0 0 rg BT 312.71 642.25 Td (, ) Tj ET Q q 0 0 0 rg BT 317.48 642.25 Td (in ) Tj ET Q q 0 0 0 rg BT 327.52 642.25 Td (all ) Tj ET Q q 0 0 0 rg BT 339.79 642.25 Td (material ) Tj ET Q q 0 0 0 rg BT 374.82 642.25 Td (respects, ) Tj ET Q q 0 0 0 rg BT 411.79 642.25 Td (the ) Tj ET Q q 0 0 0 rg BT 426.28 642.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 463.53 642.25 Td (position ) Tj ET Q q 0 0 0 rg BT 498.03 642.25 Td (of ) Tj ET Q q 0 0 0 rg BT 508.63 642.25 Td (the ) Tj ET Q q 0 0 0 rg BT 523.11 642.25 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 630.25 Td (at ) Tj ET Q q 0 0 0 rg BT 59.90 630.25 Td (January ) Tj ET Q q 0 0 0 rg BT 93.69 630.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 108.88 630.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 131.56 630.25 Td (and ) Tj ET Q q 0 0 0 rg BT 148.69 630.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 173.88 630.25 Td (and ) Tj ET Q q 0 0 0 rg BT 191.00 630.25 Td (the ) Tj ET Q q 0 0 0 rg BT 205.91 630.25 Td (results ) Tj ET Q q 0 0 0 rg BT 234.70 630.25 Td (of ) Tj ET Q q 0 0 0 rg BT 245.72 630.25 Td (its ) Tj ET Q q 0 0 0 rg BT 257.85 630.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 302.20 630.25 Td (and ) Tj ET Q q 0 0 0 rg BT 319.32 630.25 Td (its ) Tj ET Q q 0 0 0 rg BT 331.46 630.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 351.91 630.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 376.82 630.25 Td (for ) Tj ET Q q 0 0 0 rg BT 391.17 630.25 Td (each ) Tj ET Q q 0 0 0 rg BT 412.17 630.25 Td (of ) Tj ET Q q 0 0 0 rg BT 423.19 630.25 Td (the ) Tj ET Q q 0 0 0 rg BT 438.09 630.25 Td (three ) Tj ET Q q 0 0 0 rg BT 460.76 630.25 Td (years ) Tj ET Q q 0 0 0 rg BT 484.55 630.25 Td (in ) Tj ET Q q 0 0 0 rg BT 495.01 630.25 Td (the ) Tj ET Q q 0 0 0 rg BT 509.92 630.25 Td (period ) Tj ET Q q 0 0 0 rg BT 538.15 630.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 618.25 Td (January ) Tj ET Q q 0 0 0 rg BT 83.60 618.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 98.60 618.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 123.60 618.25 Td (in ) Tj ET Q q 0 0 0 rg BT 133.88 618.25 Td (conformity ) Tj ET Q q 0 0 0 rg BT 180.81 618.25 Td (with ) Tj ET Q q 0 0 0 rg BT 201.09 618.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 221.37 618.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 261.07 618.25 Td (accepted ) Tj ET Q q 0 0 0 rg BT 298.54 618.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 344.92 618.25 Td (principles.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 598.25 Td (e ) Tj ET Q q 0 0 0 rg BT 66.55 598.25 Td (also ) Tj ET Q q 0 0 0 rg BT 86.12 598.25 Td (have ) Tj ET Q q 0 0 0 rg BT 108.47 598.25 Td (audited, ) Tj ET Q q 0 0 0 rg BT 143.87 598.25 Td (in ) Tj ET Q q 0 0 0 rg BT 155.12 598.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 203.55 598.25 Td (with ) Tj ET Q q 0 0 0 rg BT 224.80 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 240.48 598.25 Td (standards ) Tj ET Q q 0 0 0 rg BT 281.72 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 293.52 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 309.21 598.25 Td (Public ) Tj ET Q q 0 0 0 rg BT 338.23 598.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 379.82 598.25 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 429.95 598.25 Td (Oversight ) Tj ET Q q 0 0 0 rg BT 472.85 598.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 500.76 598.25 Td (\(United ) Tj ET Q q 0 0 0 rg BT 534.78 598.25 Td (States\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (\(PCAOB\), ) Tj ET Q q 0 0 0 rg BT 94.52 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 108.76 586.25 Td (Company) Tj ET Q q 0 0 0 rg BT 150.42 586.25 Td (s ) Tj ET Q q 0 0 0 rg BT 156.33 586.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 188.89 586.25 Td (control ) Tj ET Q q 0 0 0 rg BT 219.24 586.25 Td (over ) Tj ET Q q 0 0 0 rg BT 239.02 586.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 276.02 586.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 314.69 586.25 Td (as ) Tj ET Q q 0 0 0 rg BT 325.04 586.25 Td (of ) Tj ET Q q 0 0 0 rg BT 335.39 586.25 Td (January ) Tj ET Q q 0 0 0 rg BT 368.51 586.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 383.03 586.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 407.54 586.25 Td (based ) Tj ET Q q 0 0 0 rg BT 432.33 586.25 Td (on ) Tj ET Q q 0 0 0 rg BT 444.35 586.25 Td (criteria ) Tj ET Q q 0 0 0 rg BT 474.68 586.25 Td (established ) Tj ET Q q 0 0 0 rg BT 521.13 586.25 Td (in ) Tj ET Q q 0 0 0 rg BT 530.92 586.25 Td (Internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (Control-Integrated ) Tj ET Q q 0 0 0 rg BT 128.75 574.25 Td (Framework ) Tj ET Q q 0 0 0 rg BT 179.17 574.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 208.50 574.25 Td (by ) Tj ET Q q 0 0 0 rg BT 222.83 574.25 Td (the ) Tj ET Q q 0 0 0 rg BT 239.38 574.25 Td (Committee ) Tj ET Q q 0 0 0 rg BT 288.14 574.25 Td (of ) Tj ET Q q 0 0 0 rg BT 300.80 574.25 Td (Sponsoring ) Tj ET Q q 0 0 0 rg BT 350.69 574.25 Td (Or) Tj ET Q q 0 0 0 rg BT 361.06 574.25 Td (ganizations ) Tj ET Q q 0 0 0 rg BT 410.93 574.25 Td (of ) Tj ET Q q 0 0 0 rg BT 423.59 574.25 Td (the ) Tj ET Q q 0 0 0 rg BT 439.82 574.25 Td (T) Tj ET Q q 0 0 0 rg BT 445.58 574.25 Td (readway ) Tj ET Q q 0 0 0 rg BT 483.77 574.25 Td (Commission ) Tj ET Q q 0 0 0 rg BT 538.67 574.25 Td (\(2013 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (framework\) ) Tj ET Q q 0 0 0 rg BT 99.70 562.25 Td (and ) Tj ET Q q 0 0 0 rg BT 116.64 562.25 Td (our ) Tj ET Q q 0 0 0 rg BT 132.47 562.25 Td (report ) Tj ET Q q 0 0 0 rg BT 158.84 562.25 Td (dated ) Tj ET Q q 0 0 0 rg BT 182.45 562.25 Td (April ) Tj ET Q q 0 0 0 rg BT 206.05 562.25 Td (5, ) Tj ET Q q 0 0 0 rg BT 216.05 562.25 Td (2018 ) Tj ET Q q 0 0 0 rg BT 238.55 562.25 Td (expressed ) Tj ET Q q 0 0 0 rg BT 280.48 562.25 Td (an ) Tj ET Q q 0 0 0 rg BT 292.42 562.25 Td (unqualified ) Tj ET Q q 0 0 0 rg BT 340.46 562.25 Td (opinion ) Tj ET Q q 0 0 0 rg BT 373.52 562.25 Td (thereon.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 542.25 Td (Basis ) Tj ET Q q 0 0 0 rg BT 74.73 542.25 Td (for) Tj ET Q q 0 0 0 rg BT 87.32 542.25 Td ( ) Tj ET Q q 0 0 0 rg BT 89.82 542.25 Td (Opinion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 522.25 Td (These ) Tj ET Q q 0 0 0 rg BT 76.76 522.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 114.61 522.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 159.70 522.25 Td (are ) Tj ET Q q 0 0 0 rg BT 174.79 522.25 Td (the ) Tj ET Q q 0 0 0 rg BT 189.89 522.25 Td (responsibility ) Tj ET Q q 0 0 0 rg BT 247.21 522.25 Td (of ) Tj ET Q q 0 0 0 rg BT 258.42 522.25 Td (the ) Tj ET Q q 0 0 0 rg BT 273.51 522.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 320.97 522.25 Td (management. ) Tj ET Q q 0 0 0 rg BT 377.44 522.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 395.87 522.25 Td (responsibility ) Tj ET Q q 0 0 0 rg BT 453.19 522.25 Td (is ) Tj ET Q q 0 0 0 rg BT 462.74 522.25 Td (to ) Tj ET Q q 0 0 0 rg BT 473.39 522.25 Td (express ) Tj ET Q q 0 0 0 rg BT 506.26 522.25 Td (an ) Tj ET Q q 0 0 0 rg BT 518.58 522.25 Td (opinion ) Tj ET Q q 0 0 0 rg BT 552.01 522.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 510.25 Td (the ) Tj ET Q q 0 0 0 rg BT 65.35 510.25 Td (Company) Tj ET Q q 0 0 0 rg BT 107.02 510.25 Td (s ) Tj ET Q q 0 0 0 rg BT 114.04 510.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 152.16 510.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 197.50 510.25 Td (based ) Tj ET Q q 0 0 0 rg BT 223.41 510.25 Td (on ) Tj ET Q q 0 0 0 rg BT 236.54 510.25 Td (our ) Tj ET Q q 0 0 0 rg BT 253.01 510.25 Td (audits. ) Tj ET Q q 0 0 0 rg BT 282.30 510.25 Td (W) Tj ET Q q 0 0 0 rg BT 290.94 510.25 Td (e ) Tj ET Q q 0 0 0 rg BT 298.51 510.25 Td (are ) Tj ET Q q 0 0 0 rg BT 313.86 510.25 Td (a ) Tj ET Q q 0 0 0 rg BT 321.43 510.25 Td (public ) Tj ET Q q 0 0 0 rg BT 349.56 510.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 396.57 510.25 Td (firm ) Tj ET Q q 0 0 0 rg BT 416.92 510.25 Td (registered ) Tj ET Q q 0 0 0 rg BT 459.48 510.25 Td (with ) Tj ET Q q 0 0 0 rg BT 480.39 510.25 Td (the ) Tj ET Q q 0 0 0 rg BT 495.74 510.25 Td (PCAOB ) Tj ET Q q 0 0 0 rg BT 532.22 510.25 Td (and ) Tj ET Q q 0 0 0 rg BT 549.79 510.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 498.25 Td (required ) Tj ET Q q 0 0 0 rg BT 86.24 498.25 Td (to ) Tj ET Q q 0 0 0 rg BT 96.94 498.25 Td (be ) Tj ET Q q 0 0 0 rg BT 109.30 498.25 Td (independent ) Tj ET Q q 0 0 0 rg BT 161.09 498.25 Td (with ) Tj ET Q q 0 0 0 rg BT 181.79 498.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 213.03 498.25 Td (to ) Tj ET Q q 0 0 0 rg BT 223.73 498.25 Td (the ) Tj ET Q q 0 0 0 rg BT 238.87 498.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 280.68 498.25 Td (in ) Tj ET Q q 0 0 0 rg BT 291.38 498.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 339.27 498.25 Td (with ) Tj ET Q q 0 0 0 rg BT 359.97 498.25 Td (the ) Tj ET Q q 0 0 0 rg BT 375.10 498.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 395.81 498.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 426.49 498.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 467.17 498.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 488.43 498.25 Td (and ) Tj ET Q q 0 0 0 rg BT 505.79 498.25 Td (the ) Tj ET Q q 0 0 0 rg BT 520.93 498.25 Td (applicable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 486.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 71.94 486.25 Td (and ) Tj ET Q q 0 0 0 rg BT 88.88 486.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 135.81 486.25 Td (of ) Tj ET Q q 0 0 0 rg BT 146.64 486.25 Td (the ) Tj ET Q q 0 0 0 rg BT 161.36 486.25 Td (Securities ) Tj ET Q q 0 0 0 rg BT 203.29 486.25 Td (and ) Tj ET Q q 0 0 0 rg BT 220.23 486.25 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 262.15 486.25 Td (Commission ) Tj ET Q q 0 0 0 rg BT 315.22 486.25 Td (and ) Tj ET Q q 0 0 0 rg BT 332.16 486.25 Td (the ) Tj ET Q q 0 0 0 rg BT 346.88 486.25 Td (PCAOB.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 466.25 Td (e conducted our audits in accordance with the standards of the PCAOB. ) Tj ET Q q 0 0 0 rg BT 348.10 466.25 Td (Those standards require that we plan and perform the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (audit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (error or fraud. Our audits included performing procedures to assess the risks of material misstatement of the financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (presentation of the financial statements. ) Tj ET Q q 0 0 0 rg BT 211.43 394.25 Td (W) Tj ET Q q 0 0 0 rg BT 220.07 394.25 Td (e believe that our audits provide a reasonable basis for our opinion.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 362.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.00 362.32 Td (/s/ ) Tj ET Q q 0 0 0 rg BT 364.95 362.32 Td (Ernst ) Tj ET Q q 0 0 0 rg BT 388.56 362.32 Td (& ) Tj ET Q q 0 0 0 rg BT 398.46 362.32 Td (Y) Tj ET Q q 0 0 0 rg BT 404.68 362.32 Td (oung ) Tj ET Q q 0 0 0 rg BT 427.18 362.32 Td (LLP) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 337.85 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 337.85 Td (e have served as the Company) Tj ET Q q 0 0 0 rg BT 182.76 337.85 Td (s auditor since 2001.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 313.85 Td (Houston, ) Tj ET Q q 0 0 0 rg BT 88.71 313.85 Td (T) Tj ET Q q 0 0 0 rg BT 94.12 313.85 Td (exas) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 301.85 Td (April5, ) Tj ET Q q 0 0 0 rg BT 83.61 301.85 Td (2018) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 121 0 obj <>] /Rotate 0 /Contents 122 0 R>> endobj 122 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 24.60 Td (59) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.80 749.25 Td (CONN'S, INC. ) Tj ET Q q 0 0 0 rg BT 291.37 749.25 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 219.40 737.25 Td (CONSOLIDA) Tj ET Q q 0 0 0 rg BT 279.22 737.25 Td (TED BALANCE SHEETS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.45 725.25 Td (\(dollars in thousands, except per share amounts\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 676.75 389.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 676.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 676.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 676.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 650.75 389.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 650.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 650.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 650.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 622.75 389.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 622.75 60.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 622.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 622.75 60.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 584.75 389.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 584.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 584.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 584.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 558.75 389.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 558.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 558.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 558.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 532.75 389.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 532.75 60.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 532.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 532.75 60.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 494.75 389.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 494.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 494.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 494.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 468.75 389.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 468.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 468.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 468.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 440.75 389.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 440.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 440.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 440.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 414.75 389.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 414.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 414.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 414.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 388.75 389.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 388.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 388.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 388.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 362.75 389.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 362.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 362.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 362.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 336.75 389.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 336.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 336.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 336.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 298.75 389.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 298.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 298.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 298.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 272.75 389.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 272.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 272.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 272.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 246.75 389.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 246.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 246.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 246.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 208.75 389.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 208.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 208.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 208.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 182.75 389.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 182.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 182.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 182.75 60.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439 689.75 m 499 689.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499 689.75 m 503 689.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 689.75 m 563 689.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439 676.75 m 499 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 676.75 m 563 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439 545.75 m 499 545.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 545.75 m 563 545.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439 468.75 m 499 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439 456.75 m 499 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439 454.75 m 499 454.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 468.75 m 563 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 456.75 m 563 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 454.75 m 563 454.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439 349.75 m 499 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 349.75 m 563 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439 285.75 m 499 285.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439 272.75 m 499 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 285.75 m 563 285.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 272.75 m 563 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439 182.75 m 499 182.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 182.75 m 563 182.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439 169.75 m 499 169.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439 157.75 m 499 157.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439 155.75 m 499 155.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 169.75 m 563 169.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 157.75 m 563 157.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 155.75 m 563 155.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 693.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.20 693.48 Td (January 31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.50 680.48 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 522.50 680.48 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 230.65 667.48 Td (Assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 654.48 Td (Curr) Tj ET Q q 0 0 0 rg BT 74.07 654.48 Td (ent assets:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.50 654.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.50 654.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 641.32 Td (Cash and cash equivalents) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.50 641.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 641.32 Td (9,286) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.50 641.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.65 641.32 Td (23,566) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 627.42 Td (Restricted cash \(includes ) Tj ET Q q 0 0 0 rg BT 154.88 627.42 Td (VIE balances of $85,322 and $1) Tj ET Q q 0 0 0 rg BT 283.45 627.42 Td (10,698, respectively\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 627.42 Td (86,872) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.65 627.42 Td (1) Tj ET Q q 0 0 0 rg BT 531.65 627.42 Td (10,698) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 612.42 Td (Customer accounts receivable, net of allowance \(includes ) Tj ET Q q 0 0 0 rg BT 285.10 612.42 Td (VIE balances of $459,708 and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.50 602.42 Td ($529,108, respectively\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.65 602.42 Td (636,825) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.65 602.42 Td (702,162) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 588.32 Td (Other accounts receivable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 588.32 Td (71,186) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.65 588.32 Td (69,286) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 575.32 Td (Inventories) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.65 575.32 Td (21) Tj ET Q q 0 0 0 rg BT 472.65 575.32 Td (1,894) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.65 575.32 Td (164,856) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 562.32 Td (Income taxes receivable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 562.32 Td (32,362) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.65 562.32 Td (2,150) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 549.32 Td (Prepaid expenses and other current assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 549.32 Td (31,592) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.65 549.32 Td (14,955) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 536.48 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 536.48 Td (otal curr) Tj ET Q q 0 0 0 rg BT 101.65 536.48 Td (ent assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 455.10 536.48 Td (1,080,017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 519.10 536.48 Td (1,087,673) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 522.42 Td (Long-term portion of customer accounts receivable, net of allowance \(includes ) Tj ET Q q 0 0 0 rg BT 370.34 522.42 Td (VIE balances of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.50 512.42 Td ($455,002 and $320,382, respectively\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.65 512.42 Td (650,608) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.65 512.42 Td (615,904) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 498.32 Td (Property and equipment, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.65 498.32 Td (143,152) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.65 498.32 Td (159,202) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 485.32 Td (Deferred income taxes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 485.32 Td (21,565) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.65 485.32 Td (71,442) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 472.32 Td (Other assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 472.32 Td (5,457) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.65 472.32 Td (6,913) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 459.48 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 459.48 Td (otal assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.50 459.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 455.10 459.48 Td (1,900,799) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 505.50 459.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 519.10 459.48 Td (1,941,134) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 167.15 445.43 Td (Liabilities and Stockholders' Equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.50 445.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 445.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 431.48 Td (Curr) Tj ET Q q 0 0 0 rg BT 74.07 431.48 Td (ent liabilities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.50 431.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 431.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 418.32 Td (Current maturities of capital lease obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.50 418.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.15 418.32 Td (907) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.50 418.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.15 418.32 Td (849) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 405.32 Td (Accounts payable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 405.32 Td (71,617) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.65 405.32 Td (101,612) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 392.32 Td (Accrued compensation and related expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 392.32 Td (21,366) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.65 392.32 Td (13,325) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 379.32 Td (Accrued expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 379.32 Td (44,807) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.65 379.32 Td (26,456) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 366.32 Td (Income taxes payable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 366.32 Td (2,939) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.65 366.32 Td (3,318) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 353.32 Td (Deferred revenues and other credits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 353.32 Td (22,475) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.65 353.32 Td (21,821) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 340.48 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 340.48 Td (otal curr) Tj ET Q q 0 0 0 rg BT 101.65 340.48 Td (ent liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 462.65 340.48 Td (164,1) Tj ET Q q 0 0 0 rg BT 485.15 340.48 Td (1) Tj ET Q q 0 0 0 rg BT 490.15 340.48 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 526.65 340.48 Td (167,381) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 327.32 Td (Deferred rent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 327.32 Td (87,003) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.65 327.32 Td (87,957) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 313.42 Td (Long-term debt and capital lease obligations \(includes ) Tj ET Q q 0 0 0 rg BT 272.06 313.42 Td (VIE balances of $787,979 and $745,581) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.50 303.42 Td (respectively\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.10 303.42 Td (1,090,105) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.10 303.42 Td (1,144,393) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 289.32 Td (Other long-term liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 289.32 Td (24,512) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.65 289.32 Td (23,613) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 276.48 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 276.48 Td (otal liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 455.10 276.48 Td (1,365,731) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 519.10 276.48 Td (1,423,344) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 263.48 Td (Commitments and contingencies) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 250.48 Td (Stockholders' equity:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.50 250.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 250.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 237.32 Td (Preferred stock \($0.01 par value, 1,000,000 shares authorized; none issued or outstanding\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.15 237.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.15 237.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 223.42 Td (Common stock \($0.01 par value, 100,000,000 shares authorized; 31,435,775 and 30,961,898) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.50 213.42 Td (shares issued, respectively\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.15 213.42 Td (314) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.15 213.42 Td (310) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 199.32 Td (Additional paid-in capital) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.65 199.32 Td (101,087) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.65 199.32 Td (90,276) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 186.32 Td (Retained earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.65 186.32 Td (433,667) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.65 186.32 Td (427,204) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 173.48 Td (T) Tj ET Q q 0 0 0 rg BT 64.25 173.48 Td (otal stockholders' equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 462.65 173.48 Td (535,068) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 526.65 173.48 Td (517,790) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 64.50 160.48 Td (T) Tj ET Q q 0 0 0 rg BT 70.25 160.48 Td (otal liabilities and stockholders' equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.50 160.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 455.10 160.48 Td (1,900,799) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 505.50 160.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 519.10 160.48 Td (1,941,134) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.95 139.25 Td (See notes to consolidated financial statements.) Tj ET Q endstream endobj 123 0 obj <>] /Rotate 0 /Contents 124 0 R>> endobj 124 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (60) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.80 742.25 Td (CONN'S, INC. ) Tj ET Q q 0 0 0 rg BT 291.37 742.25 Td (AND SUBSIDIARIES ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 189.15 730.25 Td (CONSOLIDA) Tj ET Q q 0 0 0 rg BT 248.97 730.25 Td (TED ST) Tj ET Q q 0 0 0 rg BT 283.52 730.25 Td (A) Tj ET Q q 0 0 0 rg BT 290.00 730.25 Td (TEMENTS OF) Tj ET Q q 0 0 0 rg BT 354.92 730.25 Td ( OPERA) Tj ET Q q 0 0 0 rg BT 391.68 730.25 Td (TIONS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.45 718.25 Td (\(dollars in thousands, except per share amounts\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 679.75 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 679.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 679.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 679.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 679.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 679.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 651.75 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 651.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 651.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 651.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 651.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 651.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 623.75 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 623.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 623.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 623.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 623.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 623.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 595.75 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 595.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 595.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 595.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 595.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 595.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 567.75 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 567.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 567.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 567.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 567.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 567.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 539.75 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 539.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 539.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 539.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 539.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 539.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 511.75 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 511.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 511.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 511.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 511.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 511.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 483.75 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 483.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 483.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 483.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 483.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 483.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 455.75 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 455.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 455.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 455.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 455.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 455.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 427.75 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 427.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 427.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 427.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 427.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 427.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 398.75 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 398.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 398.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 398.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 398.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 398.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 370.75 324.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 370.75 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 370.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 370.75 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 370.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 370.75 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 341.75 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 341.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 341.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 341.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 341.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 341.75 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 693.75 m 434.5 693.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 693.75 m 438.5 693.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 693.75 m 498.5 693.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 693.75 m 502.5 693.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 693.75 m 562.5 693.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 679.75 m 434.5 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 679.75 m 498.5 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 679.75 m 562.5 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 623.75 m 434.5 623.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 623.75 m 498.5 623.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 623.75 m 562.5 623.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 595.75 m 434.5 595.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 581.75 m 434.5 581.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 595.75 m 498.5 595.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 581.75 m 498.5 581.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 595.75 m 562.5 595.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 581.75 m 562.5 581.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 511.75 m 434.5 511.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 497.75 m 434.5 497.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 511.75 m 498.5 511.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 497.75 m 498.5 497.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 511.75 m 562.5 511.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 497.75 m 562.5 497.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 455.75 m 434.5 455.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 455.75 m 498.5 455.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 455.75 m 562.5 455.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 427.75 m 434.5 427.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 414.75 m 434.5 414.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 412.75 m 434.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 427.75 m 498.5 427.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 414.75 m 498.5 414.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 412.75 m 498.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 427.75 m 562.5 427.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 414.75 m 562.5 414.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 412.75 m 562.5 412.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 698.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 416.40 698.43 Td (Y) Tj ET Q q 0 0 0 rg BT 423.07 698.43 Td (ear) Tj ET Q q 0 0 0 rg BT 436.30 698.43 Td ( Ended January 31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 684.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.00 684.43 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.00 684.43 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 522.00 684.43 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 670.43 Td (Revenues:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.00 670.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 670.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 670.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 656.32 Td (Product sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.00 656.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.60 656.32 Td (1,077,874) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 656.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.60 656.32 Td (1,186,197) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 656.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.60 656.32 Td (1,199,134) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 642.32 Td (Repair service agreement commissions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 642.32 Td (100,383) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 642.32 Td (1) Tj ET Q q 0 0 0 rg BT 467.15 642.32 Td (13,615) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 642.32 Td (109,730) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 628.32 Td (Service revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.15 628.32 Td (13,710) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 628.32 Td (14,659) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 628.32 Td (13,725) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 614.32 Td (T) Tj ET Q q 0 0 0 rg BT 64.41 614.32 Td (otal net sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.60 614.32 Td (1,191,967) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.60 614.32 Td (1,314,471) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.60 614.32 Td (1,322,589) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 600.32 Td (Finance char) Tj ET Q q 0 0 0 rg BT 104.27 600.32 Td (ges and other revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 600.32 Td (324,064) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 600.32 Td (282,377) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 600.32 Td (290,589) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 586.43 Td (T) Tj ET Q q 0 0 0 rg BT 65.21 586.43 Td (otal r) Tj ET Q q 0 0 0 rg BT 87.71 586.43 Td (evenues) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.60 586.43 Td (1,516,031) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 454.60 586.43 Td (1,596,848) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.60 586.43 Td (1,613,178) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 572.43 Td (Costs and expenses:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 572.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.00 572.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.00 572.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 558.32 Td (Cost of goods sold) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 558.32 Td (720,344) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 558.32 Td (823,082) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 558.32 Td (833,126) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 544.32 Td (Selling, general and administrative expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 544.32 Td (450,413) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 544.32 Td (460,896) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 544.32 Td (436,1) Tj ET Q q 0 0 0 rg BT 548.65 544.32 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 530.32 Td (Provision for bad debts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 530.32 Td (216,875) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 530.32 Td (242,294) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 530.32 Td (222,177) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 516.32 Td (Char) Tj ET Q q 0 0 0 rg BT 72.35 516.32 Td (ges and credits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.15 516.32 Td (13,331) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 516.32 Td (6,478) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 516.32 Td (8,044) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 502.43 Td (T) Tj ET Q q 0 0 0 rg BT 65.21 502.43 Td (otal costs and expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.60 502.43 Td (1,400,963) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 454.60 502.43 Td (1,532,750) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.60 502.43 Td (1,499,462) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 65.00 488.43 Td (Operating income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.15 488.43 Td (1) Tj ET Q q 0 0 0 rg BT 403.15 488.43 Td (15,068) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 467.15 488.43 Td (64,098) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 526.15 488.43 Td (1) Tj ET Q q 0 0 0 rg BT 531.15 488.43 Td (13,716) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 474.32 Td (Interest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.15 474.32 Td (80,160) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 474.32 Td (98,615) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 474.32 Td (63,106) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 460.32 Td (Loss on extinguishment of debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 460.32 Td (3,274) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 460.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 460.32 Td (1,367) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 446.43 Td (Income \(loss\) befor) Tj ET Q q 0 0 0 rg BT 140.56 446.43 Td (e income taxes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 403.15 446.43 Td (31,634) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.80 446.48 Td (\(34,517) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 494.65 446.43 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 531.15 446.43 Td (49,243) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 432.32 Td (Provision \(benefit\) for income taxes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.15 432.32 Td (25,171) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.80 432.37 Td (\(8,955) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 432.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 432.32 Td (18,388) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 418.43 Td (Net income \(loss\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.00 418.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.15 418.43 Td (6,463) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.00 418.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.80 418.48 Td (\(25,562) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 494.65 418.43 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 505.00 418.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 531.15 418.43 Td (30,855) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 403.43 Td (Income \(loss\) per) Tj ET Q q 0 0 0 rg BT 126.23 403.43 Td ( shar) Tj ET Q q 0 0 0 rg BT 147.44 403.43 Td (e:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 403.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.00 403.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.00 403.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 389.32 Td (Basic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.00 389.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 389.32 Td (0.21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 389.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.80 389.37 Td (\(0.83) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 389.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 389.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.15 389.32 Td (0.88) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 375.32 Td (Diluted) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.00 375.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 375.32 Td (0.20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 375.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.80 375.37 Td (\(0.83) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 375.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 375.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.15 375.32 Td (0.87) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 360.43 Td (W) Tj ET Q q 0 0 0 rg BT 62.45 360.43 Td (eighted-average common shar) Tj ET Q q 0 0 0 rg BT 190.57 360.43 Td (es outstanding:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 360.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.00 360.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.00 360.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 346.32 Td (Basic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.60 346.32 Td (31,192,439) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.60 346.32 Td (30,776,479) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.60 346.32 Td (35,084,343) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 332.32 Td (Diluted) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.60 332.32 Td (31,777,823) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.60 332.32 Td (30,776,479) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.60 332.32 Td (35,557,069) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.95 296.25 Td (See notes to consolidated financial statements.) Tj ET Q endstream endobj 125 0 obj <>] /Rotate 0 /Contents 126 0 R>> endobj 126 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (61) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.80 742.25 Td (CONN'S, INC. ) Tj ET Q q 0 0 0 rg BT 291.37 742.25 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 157.80 730.25 Td (CONSOLIDA) Tj ET Q q 0 0 0 rg BT 217.62 730.25 Td (TED ST) Tj ET Q q 0 0 0 rg BT 252.18 730.25 Td (A) Tj ET Q q 0 0 0 rg BT 258.65 730.25 Td (TEMENTS OF) Tj ET Q q 0 0 0 rg BT 323.57 730.25 Td ( ST) Tj ET Q q 0 0 0 rg BT 338.12 730.25 Td (OCKHOLDERS' EQUITY) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.45 718.25 Td (\(in thousands except for number of shares\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 655.75 225.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 655.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 655.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 655.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 655.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 655.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 655.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 655.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 655.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 655.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 616.75 225.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 616.75 55.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 616.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 616.75 48.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 616.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 616.75 50.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 616.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 616.75 49.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 616.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 616.75 47.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 576.75 225.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 576.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 576.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 576.75 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 576.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 576.75 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 576.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 576.75 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 576.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 576.75 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 546.75 225.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 546.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 546.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 546.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 546.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 546.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 546.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 546.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 546.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 546.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 507.75 225.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 507.75 55.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 507.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 507.75 48.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 507.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 507.75 50.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 507.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 507.75 49.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 507.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 507.75 47.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 467.75 225.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 467.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 467.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 467.75 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 467.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 467.75 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 467.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 467.75 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 467.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 467.75 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 438.75 225.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 438.75 55.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 438.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 438.75 48.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 438.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 438.75 50.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 438.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 438.75 49.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 438.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 438.75 47.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 388.75 225.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 388.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 388.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 388.75 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 388.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 388.75 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 388.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 388.75 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 388.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 388.75 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 358.75 225.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 358.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 358.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 358.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 358.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 358.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 358.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 358.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 358.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 358.75 47.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 668.75 m 330.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 668.75 m 334.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 668.75 m 382.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 655.75 m 330.5 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 655.75 m 382.5 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 655.75 m 436.5 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 655.75 m 489.5 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 655.75 m 540.5 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 546.75 m 330.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 546.75 m 382.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 546.75 m 436.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 546.75 m 489.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 546.75 m 540.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 452.75 m 330.5 452.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 452.75 m 382.5 452.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 452.75 m 436.5 452.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 452.75 m 489.5 452.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 452.75 m 540.5 452.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 358.75 m 330.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 345.75 m 330.5 345.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 343.75 m 330.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 358.75 m 382.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 345.75 m 382.5 345.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 343.75 m 382.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 358.75 m 436.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 345.75 m 436.5 345.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 343.75 m 436.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 358.75 m 489.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 345.75 m 489.5 345.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 343.75 m 489.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 358.75 m 540.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 345.75 m 540.5 345.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 343.75 m 540.5 343.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.45 686.15 Td (Additional) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 295.55 672.48 Td (Common Stock) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 395.40 672.48 Td (Paid-in) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 445.30 672.48 Td (Retained) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 659.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 288.10 659.48 Td (Shar) Tj ET Q q 0 0 0 rg BT 308.57 659.48 Td (es) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 340.45 659.48 Td (Amount) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 395.15 659.48 Td (Capital) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 445.00 659.48 Td (Earnings) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 505.55 659.48 Td (T) Tj ET Q q 0 0 0 rg BT 511.30 659.48 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 646.43 Td (Balance January 31, 2015) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 281.60 646.43 Td (36,351,700) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 337.00 646.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 363.65 646.43 Td (364) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.00 646.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 400.10 646.43 Td (231,395) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.00 646.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.10 646.43 Td (421,91) Tj ET Q q 0 0 0 rg BT 480.60 646.43 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 496.00 646.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 504.10 646.43 Td (653,670) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 631.42 Td (Exercise of options and vesting of restricted stock, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 621.42 Td (of withholding tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.15 621.42 Td (195,378) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.65 621.42 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.30 621.47 Td (\(45) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 621.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 621.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.30 621.47 Td (\(43) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.65 621.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 606.42 Td (Issuance of common stock under Employee Stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 596.42 Td (Purchase Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.15 596.42 Td (48,586) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.65 596.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.65 596.42 Td (969) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 596.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.65 596.42 Td (969) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 582.32 Td (Repurchase of common stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.30 581.47 Td (\(5,965,275) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.65 581.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.30 581.47 Td (\(60) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.65 581.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.80 581.47 Td (\(151,721) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 581.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 581.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.80 581.47 Td (\(151,781) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.65 581.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 566.42 Td (Stock-based compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 566.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.65 566.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 566.42 Td (4,61) Tj ET Q q 0 0 0 rg BT 427.65 566.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 566.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.15 566.42 Td (4,61) Tj ET Q q 0 0 0 rg BT 531.65 566.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 551.42 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 551.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.65 551.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.65 551.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 551.42 Td (30,855) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.10 551.42 Td (30,855) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 537.43 Td (Balance January 31, 2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 281.60 537.43 Td (30,630,389) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 363.65 537.43 Td (306) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 405.15 537.43 Td (85,209) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.10 537.43 Td (452,766) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 504.10 537.43 Td (538,281) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 522.42 Td (Exercise of options and vesting of restricted stock, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 512.42 Td (of withholding tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.15 512.42 Td (230,752) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.65 512.42 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.30 512.47 Td (\(698) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 512.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 512.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.30 512.47 Td (\(695) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.65 512.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 497.42 Td (Issuance of common stock under Employee Stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 487.42 Td (Purchase Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.15 487.42 Td (100,757) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.65 487.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.65 487.42 Td (764) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 487.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.65 487.42 Td (765) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 472.42 Td (Stock-based compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 472.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.65 472.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 472.42 Td (5,001) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 472.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.15 472.42 Td (5,001) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 457.42 Td (Net loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 457.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.65 457.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.65 457.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.80 457.47 Td (\(25,562) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.65 457.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.80 457.47 Td (\(25,562) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.65 457.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 443.43 Td (Balance January 31, 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 281.60 443.43 Td (30,961,898) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 363.65 443.43 Td (310) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 405.15 443.43 Td (90,276) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.10 443.43 Td (427,204) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 504.10 443.43 Td (517,790) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 428.42 Td (Exercise of options and vesting of restricted stock, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 418.42 Td (of withholding tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.15 418.42 Td (415,940) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.65 418.42 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 418.42 Td (1,496) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 418.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.15 418.42 Td (1,499) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 403.42 Td (Issuance of common stock under Employee Stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 393.42 Td (Purchase Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.15 393.42 Td (57,937) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.65 393.42 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.65 393.42 Td (635) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 393.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.65 393.42 Td (636) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 378.42 Td (Stock-based compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 378.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.65 378.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 378.42 Td (8,680) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 378.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.15 378.42 Td (8,680) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 363.42 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 363.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.65 363.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.65 363.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 363.42 Td (6,463) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.15 363.42 Td (6,463) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 349.43 Td (Balance January 31, 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 281.60 349.43 Td (31,435,775) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 337.00 349.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 363.65 349.43 Td (314) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.00 349.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 400.10 349.43 Td (101,087) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.00 349.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.10 349.43 Td (433,667) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 496.00 349.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 504.10 349.43 Td (535,068) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.95 327.25 Td (See notes to consolidated financial statements.) Tj ET Q endstream endobj 127 0 obj <>] /Rotate 0 /Contents 128 0 R>> endobj 128 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (62) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.80 742.25 Td (CONN'S, INC. ) Tj ET Q q 0 0 0 rg BT 291.37 742.25 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 188.65 730.25 Td (CONSOLIDA) Tj ET Q q 0 0 0 rg BT 248.47 730.25 Td (TED ST) Tj ET Q q 0 0 0 rg BT 283.02 730.25 Td (A) Tj ET Q q 0 0 0 rg BT 289.50 730.25 Td (TEMENTS OF) Tj ET Q q 0 0 0 rg BT 354.42 730.25 Td ( CASH FLOWS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.50 718.25 Td (\(in thousands\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 683.75 324.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 683.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 683.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 683.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 683.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 683.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 659.75 324.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 659.75 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 659.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 659.75 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 659.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 659.75 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 624.75 324.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 624.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 624.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 624.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 624.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 624.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 600.75 324.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 600.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 600.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 600.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 600.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 600.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 576.75 324.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 576.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 576.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 576.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 576.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 576.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 552.75 324.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 552.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 552.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 552.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 552.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 552.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 528.75 324.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 528.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 528.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 528.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 528.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 528.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 504.75 324.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 504.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 504.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 504.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 504.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 504.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 480.75 324.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 480.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 480.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 480.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 480.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 480.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 456.75 324.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 456.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 456.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 456.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 456.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 456.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 432.75 324.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 432.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 432.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 432.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 432.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 432.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 406.75 324.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 406.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 406.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 406.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 406.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 406.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 382.75 324.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 382.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 382.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 382.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 382.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 382.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 358.75 324.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 358.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 358.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 358.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 358.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 358.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 334.75 324.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 334.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 334.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 334.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 334.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 334.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 310.75 324.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 310.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 310.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 310.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 310.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 310.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 286.75 324.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 286.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 286.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 286.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 286.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 286.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 258.75 324.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 258.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 258.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 258.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 258.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 258.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 234.75 324.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 234.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 234.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 234.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 234.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 234.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 210.75 324.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 210.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 210.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 210.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 210.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 210.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 186.75 324.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 186.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 186.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 186.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 186.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 186.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 162.75 324.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 162.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 162.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 162.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 162.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 162.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 138.75 324.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 138.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 138.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 138.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 138.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 138.75 60.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 695.75 m 433.5 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 695.75 m 437.5 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 695.75 m 497.5 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 695.75 m 501.5 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 695.75 m 561.5 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 683.75 m 433.5 683.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 683.75 m 497.5 683.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 683.75 m 561.5 683.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 406.75 m 433.5 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 394.75 m 433.5 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 406.75 m 497.5 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 394.75 m 497.5 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 406.75 m 561.5 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 394.75 m 561.5 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 358.75 m 433.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 346.75 m 433.5 346.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 358.75 m 497.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 346.75 m 497.5 346.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 358.75 m 561.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 346.75 m 561.5 346.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 174.75 m 433.5 174.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 162.75 m 433.5 162.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 174.75 m 497.5 174.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 162.75 m 497.5 162.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 174.75 m 561.5 174.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 162.75 m 561.5 162.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 138.75 m 433.5 138.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 127.75 m 433.5 127.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 125.75 m 433.5 125.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 138.75 m 497.5 138.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 127.75 m 497.5 127.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 125.75 m 497.5 125.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 138.75 m 561.5 138.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 127.75 m 561.5 127.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 125.75 m 561.5 125.75 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 699.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.55 699.15 Td (Y) Tj ET Q q 0 0 0 rg BT 427.55 699.15 Td (ear) Tj ET Q q 0 0 0 rg BT 439.46 699.15 Td ( ended January 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 687.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 687.15 Td (2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 687.15 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.00 687.15 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 675.15 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 102.92 675.15 Td (om operating activities:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.00 675.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 675.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 675.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 663.01 Td (Net income \(loss\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.00 663.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.75 663.01 Td (6,463) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 663.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.25 663.01 Td (\(25,562) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 663.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 663.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 663.01 Td (30,855) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 650.21 Td (Adjustments to reconcile net income \(loss\) to net cash provided by \(used in\) operating) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 641.21 Td (activities:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 641.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 641.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 641.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.00 628.01 Td (Depreciation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.25 628.01 Td (30,806) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.25 628.01 Td (28,846) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 628.01 Td (22,706) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.00 616.01 Td (Loss from retirement of leasehold improvement) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.00 616.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.75 616.01 Td (1,986) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 616.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.00 604.01 Td (Amortization of debt issuance costs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.25 604.01 Td (14,277) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.25 604.01 Td (24,044) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 604.01 Td (13,437) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.00 592.01 Td (Provision for bad debts and uncollectible interest) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.75 592.01 Td (261,662) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.75 592.01 Td (281,872) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 592.01 Td (258,157) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.00 580.01 Td (Loss on extinguishment of debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.75 580.01 Td (3,274) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 580.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 580.01 Td (1,367) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.00 568.01 Td (Stock-based compensation expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.75 568.01 Td (8,680) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.75 568.01 Td (5,001) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 568.01 Td (4,61) Tj ET Q q 0 0 0 rg BT 553.50 568.01 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.00 556.01 Td (Char) Tj ET Q q 0 0 0 rg BT 75.41 556.01 Td (ges, net of credits, for store and facility closures and relocations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.75 556.01 Td (1,479) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.75 556.01 Td (1,089) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 556.01 Td (637) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.00 544.01 Td (Deferred income taxes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.25 544.01 Td (49,878) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 544.01 Td (\(1,223) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 544.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 544.01 Td (\(16,674) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 544.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.00 532.01 Td (Loss \(gain\) from sale/write-of) Tj ET Q q 0 0 0 rg BT 166.13 532.01 Td (f of fixed assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.75 532.01 Td (5,529) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.50 532.01 Td (\(490) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 532.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.75 532.01 Td (\(1,338) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 532.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.00 520.01 Td (T) Tj ET Q q 0 0 0 rg BT 63.18 520.01 Td (enant improvement allowances received from landlords) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.75 520.01 Td (7,082) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.25 520.01 Td (24,274) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 520.01 Td (21,822) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.00 508.01 Td (Change in operating assets and liabilities:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 508.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 508.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 508.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 64.00 496.01 Td (Customer accounts receivable) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.75 496.01 Td (\(230,201) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 496.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.75 496.01 Td (\(224,363) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 496.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.75 496.01 Td (\(432,382) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 496.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 64.00 484.01 Td (Other accounts receivables) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.75 484.01 Td (\(2,917) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 484.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.25 484.01 Td (16,601) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 484.01 Td (\(24,421) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 484.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 64.00 472.01 Td (Inventories) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.25 472.01 Td (\(47,038) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 472.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.25 472.01 Td (37,1) Tj ET Q q 0 0 0 rg BT 485.00 472.01 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 472.01 Td (\(42,901) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 472.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 64.00 460.01 Td (Other assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.25 460.01 Td (\(15,474) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 460.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 460.01 Td (308) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.75 460.01 Td (\(2,759) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 460.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 64.00 448.01 Td (Accounts payable) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.25 448.01 Td (\(31,220) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 448.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.25 448.01 Td (18,434) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 448.01 Td (4,074) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 64.00 436.01 Td (Accrued expenses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.25 436.01 Td (25,100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.50 436.01 Td (\(904) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 436.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 436.01 Td (\(369) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 436.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 64.00 424.01 Td (Income taxes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.25 424.01 Td (\(30,590) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 424.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.75 424.01 Td (7,961) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 424.01 Td (\(344) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 424.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 64.00 411.21 Td (Deferred rent, revenues and other credits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.75 411.21 Td (\(5,429) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 411.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.25 411.21 Td (10,184) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.75 411.21 Td (\(8,263) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 411.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 70.00 398.15 Td (Net cash pr) Tj ET Q q 0 0 0 rg BT 113.91 398.15 Td (ovided by \(used in\) operating activities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.25 398.15 Td (51,361) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.75 398.15 Td (205,171) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 525.75 398.15 Td (\(171,785) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 398.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 386.15 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 102.92 386.15 Td (om investing activities:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 386.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 386.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 386.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 374.01 Td (Purchases of property and equipment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.25 374.01 Td (\(16,918) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 374.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.25 374.01 Td (\(46,556) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 374.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 374.01 Td (\(63,405) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 374.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 362.01 Td (Proceeds from sales of property and equipment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.00 362.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.25 362.01 Td (10,806) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 362.01 Td (5,647) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 70.00 350.15 Td (Net cash used in investing activities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.25 350.15 Td (\(16,918) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.00 350.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.25 350.15 Td (\(35,750) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 350.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.25 350.15 Td (\(57,758) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 350.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 338.15 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 102.84 338.15 Td (om financing activities:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 338.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 338.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 338.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 326.01 Td (Proceeds from issuance of asset-backed notes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 326.01 Td (1,042,034) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.00 326.01 Td (1,067,850) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 326.01 Td (1,1) Tj ET Q q 0 0 0 rg BT 533.25 326.01 Td (18,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 314.01 Td (Payments on asset-backed notes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 314.01 Td (\(1,001,702) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 314.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 314.01 Td (\(1,032,842) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 314.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.75 314.01 Td (\(400,717) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 314.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 302.01 Td (Changes in restricted cash balances) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.25 302.01 Td (23,826) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.25 302.01 Td (\(32,122) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 302.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 302.01 Td (\(78,576) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 302.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 290.01 Td (Borrowings from revolving credit facility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 290.01 Td (1,717,012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.75 290.01 Td (724,697) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 290.01 Td (606,288) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 278.01 Td (Payments on revolving credit facility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 278.01 Td (\(1,817,512) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 278.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.75 278.01 Td (\(876,404) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 278.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.75 278.01 Td (\(805,193) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 278.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 263.21 Td (Borrowings from warehouse facility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.25 263.21 Td (79,940) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 263.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 263.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 250.01 Td (Payments on warehouse facility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.25 250.01 Td (\(79,940) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 250.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 250.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 250.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 238.01 Td (Repurchase of senior notes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.00 238.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 238.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 238.01 Td (\(22,965) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 238.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 226.01 Td (Payment of debt issuance costs and amendment fees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.25 226.01 Td (\(13,874) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 226.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 226.01 Td (\(9,716) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 226.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 226.01 Td (\(35,776) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 226.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 214.01 Td (Repurchases of common stock) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.00 214.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 214.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.75 214.01 Td (\(151,781) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 214.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 202.01 Td (Proceeds from stock issued under employee benefit plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.75 202.01 Td (3,318) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.75 202.01 Td (1,268) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 202.01 Td (2,653) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 190.01 Td (T) Tj ET Q q 0 0 0 rg BT 57.18 190.01 Td (ax payments associated with equity-based compensation transactions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.75 190.01 Td (\(1,182) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 190.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 190.01 Td (\(40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 190.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.75 190.01 Td (\(1,726) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 190.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 178.01 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.50 178.01 Td (\(643) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 178.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.50 178.01 Td (\(800) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 178.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 178.01 Td (\(633) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 178.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 70.00 166.15 Td (Net cash \(used in\) pr) Tj ET Q q 0 0 0 rg BT 149.34 166.15 Td (ovided by financing activities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.25 166.15 Td (\(48,723) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.00 166.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.75 166.15 Td (\(158,109) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 166.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 528.75 166.15 Td (229,574) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 76.00 154.15 Td (Net change in cash and cash equivalents) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.25 154.15 Td (\(14,280) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.00 154.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 154.15 Td (1) Tj ET Q q 0 0 0 rg BT 473.75 154.15 Td (1,312) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.00 154.15 Td (31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 76.00 142.01 Td (Cash and cash equivalents, beginning of period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.25 142.01 Td (23,566) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.25 142.01 Td (12,254) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 142.01 Td (12,223) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 82.00 130.15 Td (Cash and cash equivalents, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 376.00 130.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.75 130.15 Td (9,286) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.00 130.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 130.15 Td (23,566) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 130.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.25 130.15 Td (12,254) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.30 109.25 Td (\(continued on next page\)) Tj ET Q endstream endobj 129 0 obj <>] /Rotate 0 /Contents 130 0 R>> endobj 130 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (63) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 67.50 724.50 311.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 724.50 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 724.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 724.50 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 724.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 724.50 59.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 67.50 700.50 311.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 700.50 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 700.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 700.50 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 700.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 700.50 59.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 67.50 676.50 311.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 676.50 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 676.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 676.50 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 676.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 676.50 59.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 736.5 m 436.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 736.5 m 440.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 736.5 m 498.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 736.5 m 502.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 736.5 m 561.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 736.5 m 436.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 724.5 m 436.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 736.5 m 440.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 736.5 m 498.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 724.5 m 498.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 736.5 m 502.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 736.5 m 561.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 724.5 m 561.5 724.5 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.00 739.76 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.05 739.90 Td (Y) Tj ET Q q 0 0 0 rg BT 430.05 739.90 Td (ear) Tj ET Q q 0 0 0 rg BT 441.96 739.90 Td ( ended January 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.00 727.76 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.00 727.90 Td (2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.00 727.90 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.50 727.90 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 70.00 715.90 Td (Non-cash investing and financing activities:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.00 703.76 Td (Capital lease asset additions and related obligations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 703.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.75 703.76 Td (3,196) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 443.00 703.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 703.76 Td (704) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 703.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 703.76 Td (2,187) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.00 691.76 Td (Property and equipment purchases not yet paid) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 691.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.75 691.76 Td (2,070) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 443.00 691.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 691.76 Td (857) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 691.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 691.76 Td (4,475) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 70.00 679.90 Td (Supplemental cash flow data:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 679.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 679.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 679.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.00 667.76 Td (Cash interest paid) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 667.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.25 667.76 Td (63,713) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 443.00 667.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.25 667.76 Td (71,239) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 667.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 667.76 Td (49,192) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.00 655.76 Td (Cash income taxes paid \(refunded\), net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 655.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.75 655.76 Td (3,083) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 443.00 655.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.25 655.76 Td (\(15,750) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 655.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 655.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 655.76 Td (36,894) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.95 641.00 Td (See notes to consolidated financial statements.) Tj ET Q endstream endobj 131 0 obj <>] /Rotate 0 /Contents 132 0 R>> endobj 132 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (64) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.80 742.25 Td (CONN'S, INC. ) Tj ET Q q 0 0 0 rg BT 291.37 742.25 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 730.25 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 730.25 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 730.25 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 730.25 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 730.25 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 730.25 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 730.25 Td (TEMENTS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 712.25 Td (1. ) Tj ET Q q 0 0 0 rg BT 67.50 712.25 Td (Summary of Significant ) Tj ET Q q 0 0 0 rg BT 171.12 712.25 Td (Accounting Policies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.72 712.25 Td () Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 694.25 Td (Business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.18 694.25 Td (. ) Tj ET Q q 0 0 0 rg BT 92.08 694.25 Td (Conn's, ) Tj ET Q q 0 0 0 rg BT 125.34 694.25 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 146.51 694.25 Td (a ) Tj ET Q q 0 0 0 rg BT 154.34 694.25 Td (Delaware ) Tj ET Q q 0 0 0 rg BT 196.05 694.25 Td (corporation, ) Tj ET Q q 0 0 0 rg BT 248.04 694.25 Td (is ) Tj ET Q q 0 0 0 rg BT 258.11 694.25 Td (a ) Tj ET Q q 0 0 0 rg BT 265.94 694.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 299.90 694.25 Td (company ) Tj ET Q q 0 0 0 rg BT 339.95 694.25 Td (withnoindependent ) Tj ET Q q 0 0 0 rg BT 425.00 694.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 451.72 694.25 Td (or ) Tj ET Q q 0 0 0 rg BT 463.45 694.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 508.50 694.25 Td (other ) Tj ET Q q 0 0 0 rg BT 532.45 694.25 Td (than ) Tj ET Q q 0 0 0 rg BT 553.06 694.25 Td (its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 99.73 682.25 Td (in ) Tj ET Q q 0 0 0 rg BT 109.96 682.25 Td (its ) Tj ET Q q 0 0 0 rg BT 121.87 682.25 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 174.04 682.25 Td (References ) Tj ET Q q 0 0 0 rg BT 220.91 682.25 Td (to ) Tj ET Q q 0 0 0 rg BT 231.15 682.25 Td (we, ) Tj ET Q q 0 0 0 rg BT 256.64 682.25 Td (our) Tj ET Q q 0 0 0 rg BT 274.01 682.25 Td (, ) Tj ET Q q 0 0 0 rg BT 283.40 682.25 Td (us, ) Tj ET Q q 0 0 0 rg BT 306.13 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 325.24 682.25 Td (Company) Tj ET Q q 0 0 0 rg BT 363.47 682.25 Td (, ) Tj ET Q q 0 0 0 rg BT 372.87 682.25 Td (Conn) Tj ET Q q 0 0 0 rg BT 401.76 682.25 Td (s ) Tj ET Q q 0 0 0 rg BT 412.54 682.25 Td (or ) Tj ET Q q 0 0 0 rg BT 423.33 682.25 Td (CONN ) Tj ET Q q 0 0 0 rg BT 463.00 682.25 Td (refer ) Tj ET Q q 0 0 0 rg BT 484.32 682.25 Td (to ) Tj ET Q q 0 0 0 rg BT 494.55 682.25 Td (Conn) Tj ET Q q 0 0 0 rg BT 519.00 682.25 Td (s, ) Tj ET Q q 0 0 0 rg BT 527.85 682.25 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 545.57 682.25 Td (and, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.25 Td (as ) Tj ET Q q 0 0 0 rg BT 60.07 670.25 Td (apparent ) Tj ET Q q 0 0 0 rg BT 96.72 670.25 Td (from ) Tj ET Q q 0 0 0 rg BT 118.40 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 132.85 670.25 Td (context, ) Tj ET Q q 0 0 0 rg BT 167.02 670.25 Td (its ) Tj ET Q q 0 0 0 rg BT 178.70 670.25 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 230.66 670.25 Td (Conn's ) Tj ET Q q 0 0 0 rg BT 260.25 670.25 Td (is ) Tj ET Q q 0 0 0 rg BT 269.16 670.25 Td (a ) Tj ET Q q 0 0 0 rg BT 275.83 670.25 Td (leading ) Tj ET Q q 0 0 0 rg BT 307.50 670.25 Td (specialty ) Tj ET Q q 0 0 0 rg BT 345.28 670.25 Td (retailer ) Tj ET Q q 0 0 0 rg BT 375.83 670.25 Td (that ) Tj ET Q q 0 0 0 rg BT 393.06 670.25 Td (of) Tj ET Q q 0 0 0 rg BT 401.21 670.25 Td (fers ) Tj ET Q q 0 0 0 rg BT 418.43 670.25 Td (a ) Tj ET Q q 0 0 0 rg BT 425.10 670.25 Td (broad ) Tj ET Q q 0 0 0 rg BT 450.11 670.25 Td (selection ) Tj ET Q q 0 0 0 rg BT 487.89 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 498.45 670.25 Td (quality) Tj ET Q q 0 0 0 rg BT 525.58 670.25 Td (, ) Tj ET Q q 0 0 0 rg BT 530.31 670.25 Td (branded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.25 Td (durable ) Tj ET Q q 0 0 0 rg BT 81.92 658.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 123.24 658.25 Td (goods ) Tj ET Q q 0 0 0 rg BT 149.57 658.25 Td (and ) Tj ET Q q 0 0 0 rg BT 166.44 658.25 Td (related ) Tj ET Q q 0 0 0 rg BT 196.08 658.25 Td (services ) Tj ET Q q 0 0 0 rg BT 230.73 658.25 Td (in ) Tj ET Q q 0 0 0 rg BT 240.95 658.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 276.16 658.25 Td (to ) Tj ET Q q 0 0 0 rg BT 286.37 658.25 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 333.24 658.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 358.44 658.25 Td (solutions ) Tj ET Q q 0 0 0 rg BT 396.99 658.25 Td (for ) Tj ET Q q 0 0 0 rg BT 411.09 658.25 Td (its ) Tj ET Q q 0 0 0 rg BT 422.98 658.25 Td (core ) Tj ET Q q 0 0 0 rg BT 442.62 658.25 Td (credit-constrained ) Tj ET Q q 0 0 0 rg BT 517.25 658.25 Td (consumers. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 646.25 Td (e ) Tj ET Q q 0 0 0 rg BT 64.41 646.25 Td (operate ) Tj ET Q q 0 0 0 rg BT 95.66 646.25 Td (an ) Tj ET Q q 0 0 0 rg BT 106.93 646.25 Td (integrated ) Tj ET Q q 0 0 0 rg BT 148.74 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 165.01 646.25 Td (scalable ) Tj ET Q q 0 0 0 rg BT 199.04 646.25 Td (business ) Tj ET Q q 0 0 0 rg BT 234.76 646.25 Td (through ) Tj ET Q q 0 0 0 rg BT 267.70 646.25 Td (our ) Tj ET Q q 0 0 0 rg BT 282.86 646.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 305.23 646.25 Td (stores ) Tj ET Q q 0 0 0 rg BT 330.39 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 346.66 646.25 Td (website. ) Tj ET Q q 0 0 0 rg BT 381.54 646.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 398.92 646.25 Td (complementary ) Tj ET Q q 0 0 0 rg BT 462.95 646.25 Td (product ) Tj ET Q q 0 0 0 rg BT 495.32 646.25 Td (of) Tj ET Q q 0 0 0 rg BT 503.47 646.25 Td (ferings ) Tj ET Q q 0 0 0 rg BT 533.07 646.25 Td (include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.25 Td (furniture ) Tj ET Q q 0 0 0 rg BT 87.37 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 104.69 634.25 Td (mattresses, ) Tj ET Q q 0 0 0 rg BT 151.73 634.25 Td (home ) Tj ET Q q 0 0 0 rg BT 176.83 634.25 Td (appliances, ) Tj ET Q q 0 0 0 rg BT 224.41 634.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 266.17 634.25 Td (electronics ) Tj ET Q q 0 0 0 rg BT 312.37 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 329.69 634.25 Td (home ) Tj ET Q q 0 0 0 rg BT 354.79 634.25 Td (of) Tj ET Q q 0 0 0 rg BT 362.94 634.25 Td (fice ) Tj ET Q q 0 0 0 rg BT 380.81 634.25 Td (products ) Tj ET Q q 0 0 0 rg BT 418.13 634.25 Td (from ) Tj ET Q q 0 0 0 rg BT 440.45 634.25 Td (leading ) Tj ET Q q 0 0 0 rg BT 472.77 634.25 Td (global ) Tj ET Q q 0 0 0 rg BT 500.65 634.25 Td (brands ) Tj ET Q q 0 0 0 rg BT 530.19 634.25 Td (across ) Tj ET Q q 0 0 0 rg BT 558.06 634.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.25 Td (wide ) Tj ET Q q 0 0 0 rg BT 70.56 622.25 Td (range ) Tj ET Q q 0 0 0 rg BT 94.40 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 104.35 622.25 Td (price ) Tj ET Q q 0 0 0 rg BT 125.96 622.25 Td (points. ) Tj ET Q q 0 0 0 rg BT 154.53 622.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 171.71 622.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 196.10 622.25 Td (of) Tj ET Q q 0 0 0 rg BT 204.25 622.25 Td (fering ) Tj ET Q q 0 0 0 rg BT 229.75 622.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 265.81 622.25 Td (financing ) Tj ET Q q 0 0 0 rg BT 305.20 622.25 Td (solutions ) Tj ET Q q 0 0 0 rg BT 342.95 622.25 Td (to ) Tj ET Q q 0 0 0 rg BT 352.35 622.25 Td (a ) Tj ET Q q 0 0 0 rg BT 358.41 622.25 Td (lar) Tj ET Q q 0 0 0 rg BT 368.78 622.25 Td (ge, ) Tj ET Q q 0 0 0 rg BT 382.34 622.25 Td (under) Tj ET Q q 0 0 0 rg BT 404.91 622.25 Td (-served ) Tj ET Q q 0 0 0 rg BT 435.96 622.25 Td (population ) Tj ET Q q 0 0 0 rg BT 480.36 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 490.32 622.25 Td (credit-constrained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.25 Td (consumers ) Tj ET Q q 0 0 0 rg BT 94.77 610.25 Td (who ) Tj ET Q q 0 0 0 rg BT 114.49 610.25 Td (typically ) Tj ET Q q 0 0 0 rg BT 151.98 610.25 Td (have ) Tj ET Q q 0 0 0 rg BT 173.36 610.25 Td (limited ) Tj ET Q q 0 0 0 rg BT 204.19 610.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 229.45 610.25 Td (alternatives.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 592.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 592.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.29 592.25 Td (operate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.43 592.25 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.43 592.25 Td ( ) Tj ET Q q 0 0 0 rg BT 115.14 592.25 Td (reportable ) Tj ET Q q 0 0 0 rg BT 158.39 592.25 Td (segments: ) Tj ET Q q 0 0 0 rg BT 201.10 592.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 224.35 592.25 Td (and ) Tj ET Q q 0 0 0 rg BT 241.50 592.25 Td (credit. ) Tj ET Q q 0 0 0 rg BT 269.48 592.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 287.75 592.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 311.00 592.25 Td (stores ) Tj ET Q q 0 0 0 rg BT 337.05 592.25 Td (bear ) Tj ET Q q 0 0 0 rg BT 356.97 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 371.90 592.25 Td ("Conn's ) Tj ET Q q 0 0 0 rg BT 406.06 592.25 Td (HomePlus" ) Tj ET Q q 0 0 0 rg BT 454.52 592.25 Td (name ) Tj ET Q q 0 0 0 rg BT 478.89 592.25 Td (with ) Tj ET Q q 0 0 0 rg BT 499.39 592.25 Td (all ) Tj ET Q q 0 0 0 rg BT 512.09 592.25 Td (of ) Tj ET Q q 0 0 0 rg BT 523.14 592.25 Td (our ) Tj ET Q q 0 0 0 rg BT 539.18 592.25 Td (stores ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 580.25 Td (providing ) Tj ET Q q 0 0 0 rg BT 91.17 580.25 Td (the ) Tj ET Q q 0 0 0 rg BT 106.17 580.25 Td (same ) Tj ET Q q 0 0 0 rg BT 129.50 580.25 Td (products ) Tj ET Q q 0 0 0 rg BT 166.72 580.25 Td (and ) Tj ET Q q 0 0 0 rg BT 183.94 580.25 Td (services ) Tj ET Q q 0 0 0 rg BT 218.93 580.25 Td (to ) Tj ET Q q 0 0 0 rg BT 229.49 580.25 Td (a ) Tj ET Q q 0 0 0 rg BT 236.71 580.25 Td (common ) Tj ET Q q 0 0 0 rg BT 274.49 580.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 313.92 580.25 Td (group. ) Tj ET Q q 0 0 0 rg BT 342.54 580.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 360.87 580.25 Td (stores ) Tj ET Q q 0 0 0 rg BT 386.98 580.25 Td (follow ) Tj ET Q q 0 0 0 rg BT 415.87 580.25 Td (the ) Tj ET Q q 0 0 0 rg BT 430.87 580.25 Td (same ) Tj ET Q q 0 0 0 rg BT 454.20 580.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 500.85 580.25 Td (and ) Tj ET Q q 0 0 0 rg BT 518.07 580.25 Td (methods ) Tj ET Q q 0 0 0 rg BT 554.74 580.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 568.25 Td (managing ) Tj ET Q q 0 0 0 rg BT 90.99 568.25 Td (their ) Tj ET Q q 0 0 0 rg BT 111.38 568.25 Td (operations. ) Tj ET Q q 0 0 0 rg BT 157.59 568.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 175.20 568.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 197.80 568.25 Td (business ) Tj ET Q q 0 0 0 rg BT 233.75 568.25 Td (and ) Tj ET Q q 0 0 0 rg BT 250.24 568.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 275.07 568.25 Td (business ) Tj ET Q q 0 0 0 rg BT 311.02 568.25 Td (are ) Tj ET Q q 0 0 0 rg BT 325.28 568.25 Td (operated ) Tj ET Q q 0 0 0 rg BT 361.76 568.25 Td (independently ) Tj ET Q q 0 0 0 rg BT 420.47 568.25 Td (from ) Tj ET Q q 0 0 0 rg BT 441.97 568.25 Td (each ) Tj ET Q q 0 0 0 rg BT 462.34 568.25 Td (other) Tj ET Q q 0 0 0 rg BT 482.34 568.25 Td (. ) Tj ET Q q 0 0 0 rg BT 486.75 568.25 Td (The ) Tj ET Q q 0 0 0 rg BT 504.35 568.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 529.17 568.25 Td (segment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 556.25 Td (is ) Tj ET Q q 0 0 0 rg BT 58.93 556.25 Td (dedicated ) Tj ET Q q 0 0 0 rg BT 100.01 556.25 Td (to ) Tj ET Q q 0 0 0 rg BT 110.55 556.25 Td (providing ) Tj ET Q q 0 0 0 rg BT 152.20 556.25 Td (short- ) Tj ET Q q 0 0 0 rg BT 178.29 556.25 Td (and ) Tj ET Q q 0 0 0 rg BT 195.50 556.25 Td (medium-term ) Tj ET Q q 0 0 0 rg BT 252.69 556.25 Td (financing ) Tj ET Q q 0 0 0 rg BT 293.22 556.25 Td (to ) Tj ET Q q 0 0 0 rg BT 303.76 556.25 Td (our ) Tj ET Q q 0 0 0 rg BT 319.85 556.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 343.16 556.25 Td (customers. ) Tj ET Q q 0 0 0 rg BT 388.77 556.25 Td (The ) Tj ET Q q 0 0 0 rg BT 407.08 556.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 430.38 556.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 466.47 556.25 Td (is ) Tj ET Q q 0 0 0 rg BT 475.91 556.25 Td (not ) Tj ET Q q 0 0 0 rg BT 491.45 556.25 Td (involved ) Tj ET Q q 0 0 0 rg BT 529.21 556.25 Td (in ) Tj ET Q q 0 0 0 rg BT 539.75 556.25 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 544.25 Td (approval ) Tj ET Q q 0 0 0 rg BT 87.41 544.25 Td (decisions. ) Tj ET Q q 0 0 0 rg BT 130.05 544.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 148.53 544.25 Td (management ) Tj ET Q q 0 0 0 rg BT 202.55 544.25 Td (evaluates ) Tj ET Q q 0 0 0 rg BT 242.68 544.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 296.13 544.25 Td (and ) Tj ET Q q 0 0 0 rg BT 313.49 544.25 Td (allocates ) Tj ET Q q 0 0 0 rg BT 351.40 544.25 Td (resources ) Tj ET Q q 0 0 0 rg BT 392.08 544.25 Td (based ) Tj ET Q q 0 0 0 rg BT 417.78 544.25 Td (on ) Tj ET Q q 0 0 0 rg BT 430.70 544.25 Td (the ) Tj ET Q q 0 0 0 rg BT 445.85 544.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 486.54 544.25 Td (results ) Tj ET Q q 0 0 0 rg BT 515.57 544.25 Td (of ) Tj ET Q q 0 0 0 rg BT 526.83 544.25 Td (the ) Tj ET Q q 0 0 0 rg BT 541.97 544.25 Td (retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 532.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.44 532.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 91.70 532.25 Td (segments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.85 514.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 123.19 514.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 161.97 514.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 207.98 514.25 Td (have ) Tj ET Q q 0 0 0 rg BT 230.66 514.25 Td (been ) Tj ET Q q 0 0 0 rg BT 253.34 514.25 Td (prepared ) Tj ET Q q 0 0 0 rg BT 292.12 514.25 Td (in ) Tj ET Q q 0 0 0 rg BT 303.70 514.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 352.46 514.25 Td (with ) Tj ET Q q 0 0 0 rg BT 374.04 514.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 395.62 514.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 436.62 514.25 Td (accepted ) Tj ET Q q 0 0 0 rg BT 475.39 514.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 523.07 514.25 Td (principles ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.25 Td (\("GAAP"\) ) Tj ET Q q 0 0 0 rg BT 94.05 502.25 Td (and ) Tj ET Q q 0 0 0 rg BT 110.99 502.25 Td (prevailing ) Tj ET Q q 0 0 0 rg BT 154.03 502.25 Td (industry ) Tj ET Q q 0 0 0 rg BT 189.31 502.25 Td (practices. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 484.25 Td (Fiscal ) Tj ET Q q 0 0 0 rg BT 77.05 484.25 Td (Y) Tj ET Q q 0 0 0 rg BT 82.05 484.25 Td (ear) Tj ET Q q 0 0 0 rg BT 94.82 484.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.32 484.25 Td ( ) Tj ET Q q 0 0 0 rg BT 99.47 484.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 117.16 484.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 140.96 484.25 Td (year ) Tj ET Q q 0 0 0 rg BT 160.31 484.25 Td (ends ) Tj ET Q q 0 0 0 rg BT 180.79 484.25 Td (on ) Tj ET Q q 0 0 0 rg BT 192.93 484.25 Td (January ) Tj ET Q q 0 0 0 rg BT 226.17 484.25 Td (31. ) Tj ET Q q 0 0 0 rg BT 240.81 484.25 Td (References ) Tj ET Q q 0 0 0 rg BT 287.37 484.25 Td (to ) Tj ET Q q 0 0 0 rg BT 297.29 484.25 Td (a ) Tj ET Q q 0 0 0 rg BT 303.88 484.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 327.68 484.25 Td (year ) Tj ET Q q 0 0 0 rg BT 347.03 484.25 Td (refer ) Tj ET Q q 0 0 0 rg BT 368.04 484.25 Td (to ) Tj ET Q q 0 0 0 rg BT 377.96 484.25 Td (the ) Tj ET Q q 0 0 0 rg BT 392.32 484.25 Td (calendar ) Tj ET Q q 0 0 0 rg BT 428.32 484.25 Td (year ) Tj ET Q q 0 0 0 rg BT 447.68 484.25 Td (in ) Tj ET Q q 0 0 0 rg BT 457.60 484.25 Td (which ) Tj ET Q q 0 0 0 rg BT 484.18 484.25 Td (the ) Tj ET Q q 0 0 0 rg BT 498.54 484.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 522.34 484.25 Td (year ) Tj ET Q q 0 0 0 rg BT 541.69 484.25 Td (ends.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 466.25 Td (Principles ) Tj ET Q q 0 0 0 rg BT 94.16 466.25 Td (of ) Tj ET Q q 0 0 0 rg BT 105.48 466.25 Td (Consolidation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.28 466.25 Td (. ) Tj ET Q q 0 0 0 rg BT 168.77 466.25 Td ( ) Tj ET Q q 0 0 0 rg BT 171.55 466.25 Td (The ) Tj ET Q q 0 0 0 rg BT 190.09 466.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 243.62 466.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 281.60 466.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 326.80 466.25 Td (include ) Tj ET Q q 0 0 0 rg BT 359.23 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 374.44 466.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 412.42 466.25 Td (of ) Tj ET Q q 0 0 0 rg BT 423.74 466.25 Td (Conn's, ) Tj ET Q q 0 0 0 rg BT 456.60 466.25 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 474.86 466.25 Td (and ) Tj ET Q q 0 0 0 rg BT 492.29 466.25 Td (its ) Tj ET Q q 0 0 0 rg BT 504.73 466.25 Td (wholly-owned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 454.25 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 101.72 454.25 Td ( ) Tj ET Q q 0 0 0 rg BT 103.67 454.25 Td (All ) Tj ET Q q 0 0 0 rg BT 118.94 454.25 Td (material ) Tj ET Q q 0 0 0 rg BT 154.20 454.25 Td (intercompany ) Tj ET Q q 0 0 0 rg BT 211.68 454.25 Td (transactions ) Tj ET Q q 0 0 0 rg BT 261.95 454.25 Td (and ) Tj ET Q q 0 0 0 rg BT 278.88 454.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 315.81 454.25 Td (have ) Tj ET Q q 0 0 0 rg BT 337.19 454.25 Td (been ) Tj ET Q q 0 0 0 rg BT 358.56 454.25 Td (eliminated ) Tj ET Q q 0 0 0 rg BT 403.27 454.25 Td (in ) Tj ET Q q 0 0 0 rg BT 413.55 454.25 Td (consolidation.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 436.25 Td (V) Tj ET Q q 0 0 0 rg BT 55.06 436.25 Td (ariable ) Tj ET Q q 0 0 0 rg BT 87.27 436.25 Td (Interest ) Tj ET Q q 0 0 0 rg BT 122.25 436.25 Td (Entities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.74 436.25 Td (V) Tj ET Q q 0 0 0 rg BT 165.86 436.25 Td (ariable ) Tj ET Q q 0 0 0 rg BT 196.38 436.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 229.13 436.25 Td (entities ) Tj ET Q q 0 0 0 rg BT 261.33 436.25 Td (\("VIEs"\) ) Tj ET Q q 0 0 0 rg BT 300.02 436.25 Td (are ) Tj ET Q q 0 0 0 rg BT 315.54 436.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 369.40 436.25 Td (if ) Tj ET Q q 0 0 0 rg BT 378.83 436.25 Td (the ) Tj ET Q q 0 0 0 rg BT 394.36 436.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 436.56 436.25 Td (is ) Tj ET Q q 0 0 0 rg BT 446.55 436.25 Td (the ) Tj ET Q q 0 0 0 rg BT 462.08 436.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 497.06 436.25 Td (beneficiary) Tj ET Q q 0 0 0 rg BT 541.38 436.25 Td (. ) Tj ET Q q 0 0 0 rg BT 546.95 436.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 424.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 82.95 424.25 Td (beneficiary ) Tj ET Q q 0 0 0 rg BT 129.71 424.25 Td (of ) Tj ET Q q 0 0 0 rg BT 139.83 424.25 Td (a ) Tj ET Q q 0 0 0 rg BT 145.93 424.25 Td (VIE ) Tj ET Q q 0 0 0 rg BT 164.39 424.25 Td (is ) Tj ET Q q 0 0 0 rg BT 172.85 424.25 Td (the ) Tj ET Q q 0 0 0 rg BT 186.86 424.25 Td (party ) Tj ET Q q 0 0 0 rg BT 209.19 424.25 Td (that ) Tj ET Q q 0 0 0 rg BT 225.98 424.25 Td (has ) Tj ET Q q 0 0 0 rg BT 241.10 424.25 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 252.33 424.25 Td (the ) Tj ET Q q 0 0 0 rg BT 266.34 424.25 Td (power ) Tj ET Q q 0 0 0 rg BT 293.13 424.25 Td (to ) Tj ET Q q 0 0 0 rg BT 302.70 424.25 Td (direct ) Tj ET Q q 0 0 0 rg BT 327.25 424.25 Td (the ) Tj ET Q q 0 0 0 rg BT 341.26 424.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 379.15 424.25 Td (that ) Tj ET Q q 0 0 0 rg BT 395.94 424.25 Td (most ) Tj ET Q q 0 0 0 rg BT 417.18 424.25 Td (significantly ) Tj ET Q q 0 0 0 rg BT 468.96 424.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 497.96 424.25 Td (the ) Tj ET Q q 0 0 0 rg BT 511.97 424.25 Td (performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 412.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.33 412.25 Td (the ) Tj ET Q q 0 0 0 rg BT 74.87 412.25 Td (VIE ) Tj ET Q q 0 0 0 rg BT 94.03 412.25 Td (and ) Tj ET Q q 0 0 0 rg BT 110.96 412.25 Td (\(ii\) ) Tj ET Q q 0 0 0 rg BT 125.68 412.25 Td (the ) Tj ET Q q 0 0 0 rg BT 140.40 412.25 Td (obligation ) Tj ET Q q 0 0 0 rg BT 183.45 412.25 Td (to ) Tj ET Q q 0 0 0 rg BT 193.73 412.25 Td (absorb ) Tj ET Q q 0 0 0 rg BT 222.89 412.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 249.28 412.25 Td (or ) Tj ET Q q 0 0 0 rg BT 260.11 412.25 Td (the ) Tj ET Q q 0 0 0 rg BT 274.83 412.25 Td (right ) Tj ET Q q 0 0 0 rg BT 296.21 412.25 Td (to ) Tj ET Q q 0 0 0 rg BT 306.49 412.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 337.85 412.25 Td (benefits ) Tj ET Q q 0 0 0 rg BT 372.01 412.25 Td (that ) Tj ET Q q 0 0 0 rg BT 389.50 412.25 Td (could ) Tj ET Q q 0 0 0 rg BT 414.22 412.25 Td (potentially ) Tj ET Q q 0 0 0 rg BT 459.49 412.25 Td (be ) Tj ET Q q 0 0 0 rg BT 471.43 412.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 516.14 412.25 Td (to ) Tj ET Q q 0 0 0 rg BT 526.42 412.25 Td (the ) Tj ET Q q 0 0 0 rg BT 540.96 412.25 Td (VIE.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 394.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.72 394.25 Td (securitize ) Tj ET Q q 0 0 0 rg BT 107.18 394.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 146.99 394.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 185.12 394.25 Td (receivables ) Tj ET Q q 0 0 0 rg BT 233.24 394.25 Td (by ) Tj ET Q q 0 0 0 rg BT 246.39 394.25 Td (transferring ) Tj ET Q q 0 0 0 rg BT 296.18 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 311.55 394.25 Td (receivables ) Tj ET Q q 0 0 0 rg BT 359.67 394.25 Td (to ) Tj ET Q q 0 0 0 rg BT 370.59 394.25 Td (various ) Tj ET Q q 0 0 0 rg BT 403.18 394.25 Td (bankruptcy-remote ) Tj ET Q q 0 0 0 rg BT 482.18 394.25 Td (VIEs. ) Tj ET Q q 0 0 0 rg BT 508.15 394.25 Td (W) Tj ET Q q 0 0 0 rg BT 516.79 394.25 Td (e ) Tj ET Q q 0 0 0 rg BT 524.38 394.25 Td (retain ) Tj ET Q q 0 0 0 rg BT 550.29 394.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 89.01 382.25 Td (of ) Tj ET Q q 0 0 0 rg BT 100.19 382.25 Td (the ) Tj ET Q q 0 0 0 rg BT 115.26 382.25 Td (securitized ) Tj ET Q q 0 0 0 rg BT 161.42 382.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 199.27 382.25 Td (and ) Tj ET Q q 0 0 0 rg BT 216.56 382.25 Td (have ) Tj ET Q q 0 0 0 rg BT 238.29 382.25 Td (a ) Tj ET Q q 0 0 0 rg BT 245.59 382.25 Td (variable ) Tj ET Q q 0 0 0 rg BT 280.64 382.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 312.93 382.25 Td (in ) Tj ET Q q 0 0 0 rg BT 323.56 382.25 Td (each ) Tj ET Q q 0 0 0 rg BT 344.73 382.25 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 404.58 382.25 Td (VIE ) Tj ET Q q 0 0 0 rg BT 424.09 382.25 Td (by ) Tj ET Q q 0 0 0 rg BT 436.95 382.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 470.36 382.25 Td (the ) Tj ET Q q 0 0 0 rg BT 485.43 382.25 Td (residual ) Tj ET Q q 0 0 0 rg BT 519.94 382.25 Td (equity) Tj ET Q q 0 0 0 rg BT 544.28 382.25 Td (. ) Tj ET Q q 0 0 0 rg BT 549.43 382.25 Td (W) Tj ET Q q 0 0 0 rg BT 558.06 382.25 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.25 Td (have ) Tj ET Q q 0 0 0 rg BT 71.84 370.25 Td (determined ) Tj ET Q q 0 0 0 rg BT 120.29 370.25 Td (that ) Tj ET Q q 0 0 0 rg BT 138.75 370.25 Td (we ) Tj ET Q q 0 0 0 rg BT 153.87 370.25 Td (are ) Tj ET Q q 0 0 0 rg BT 169.54 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 185.22 370.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 220.34 370.25 Td (beneficiary ) Tj ET Q q 0 0 0 rg BT 268.78 370.25 Td (of ) Tj ET Q q 0 0 0 rg BT 280.57 370.25 Td (each ) Tj ET Q q 0 0 0 rg BT 302.35 370.25 Td (respective ) Tj ET Q q 0 0 0 rg BT 346.10 370.25 Td (VIE ) Tj ET Q q 0 0 0 rg BT 366.22 370.25 Td (because ) Tj ET Q q 0 0 0 rg BT 401.33 370.25 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 414.23 370.25 Td (our ) Tj ET Q q 0 0 0 rg BT 431.03 370.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 471.15 370.25 Td (responsibilities ) Tj ET Q q 0 0 0 rg BT 535.17 370.25 Td (for ) Tj ET Q q 0 0 0 rg BT 550.29 370.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 358.25 Td (securitized ) Tj ET Q q 0 0 0 rg BT 95.53 358.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 133.25 358.25 Td (give ) Tj ET Q q 0 0 0 rg BT 153.19 358.25 Td (us ) Tj ET Q q 0 0 0 rg BT 164.81 358.25 Td (the ) Tj ET Q q 0 0 0 rg BT 179.75 358.25 Td (power ) Tj ET Q q 0 0 0 rg BT 207.46 358.25 Td (to ) Tj ET Q q 0 0 0 rg BT 217.96 358.25 Td (direct ) Tj ET Q q 0 0 0 rg BT 243.45 358.25 Td (the ) Tj ET Q q 0 0 0 rg BT 258.39 358.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 297.21 358.25 Td (that ) Tj ET Q q 0 0 0 rg BT 314.93 358.25 Td (most ) Tj ET Q q 0 0 0 rg BT 337.11 358.25 Td (significantly ) Tj ET Q q 0 0 0 rg BT 389.82 358.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 419.75 358.25 Td (the ) Tj ET Q q 0 0 0 rg BT 434.70 358.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 487.94 358.25 Td (of ) Tj ET Q q 0 0 0 rg BT 499.00 358.25 Td (the ) Tj ET Q q 0 0 0 rg BT 513.74 358.25 Td (VIE ) Tj ET Q q 0 0 0 rg BT 533.12 358.25 Td (and ) Tj ET Q q 0 0 0 rg BT 550.28 358.25 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 346.25 Td (our ) Tj ET Q q 0 0 0 rg BT 65.74 346.25 Td (variable ) Tj ET Q q 0 0 0 rg BT 100.86 346.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 133.20 346.25 Td (in ) Tj ET Q q 0 0 0 rg BT 143.89 346.25 Td (the ) Tj ET Q q 0 0 0 rg BT 158.81 346.25 Td (VIE ) Tj ET Q q 0 0 0 rg BT 178.38 346.25 Td (gives ) Tj ET Q q 0 0 0 rg BT 202.40 346.25 Td (us ) Tj ET Q q 0 0 0 rg BT 214.20 346.25 Td (the ) Tj ET Q q 0 0 0 rg BT 229.33 346.25 Td (obligation ) Tj ET Q q 0 0 0 rg BT 272.80 346.25 Td (to ) Tj ET Q q 0 0 0 rg BT 283.49 346.25 Td (absorb ) Tj ET Q q 0 0 0 rg BT 313.06 346.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 339.86 346.25 Td (and ) Tj ET Q q 0 0 0 rg BT 357.21 346.25 Td (the ) Tj ET Q q 0 0 0 rg BT 372.34 346.25 Td (right ) Tj ET Q q 0 0 0 rg BT 394.14 346.25 Td (to ) Tj ET Q q 0 0 0 rg BT 404.83 346.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 436.60 346.25 Td (residual ) Tj ET Q q 0 0 0 rg BT 471.17 346.25 Td (returns ) Tj ET Q q 0 0 0 rg BT 501.85 346.25 Td (that ) Tj ET Q q 0 0 0 rg BT 519.75 346.25 Td (potentially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 334.25 Td (could ) Tj ET Q q 0 0 0 rg BT 74.22 334.25 Td (be ) Tj ET Q q 0 0 0 rg BT 86.16 334.25 Td (significant. ) Tj ET Q q 0 0 0 rg BT 132.82 334.25 Td (As ) Tj ET Q q 0 0 0 rg BT 146.43 334.25 Td (a ) Tj ET Q q 0 0 0 rg BT 153.37 334.25 Td (result, ) Tj ET Q q 0 0 0 rg BT 180.58 334.25 Td (we ) Tj ET Q q 0 0 0 rg BT 194.74 334.25 Td (consolidate ) Tj ET Q q 0 0 0 rg BT 242.79 334.25 Td (the ) Tj ET Q q 0 0 0 rg BT 257.50 334.25 Td (respective ) Tj ET Q q 0 0 0 rg BT 300.35 334.25 Td (VIEs ) Tj ET Q q 0 0 0 rg BT 323.41 334.25 Td (within ) Tj ET Q q 0 0 0 rg BT 351.46 334.25 Td (our ) Tj ET Q q 0 0 0 rg BT 367.29 334.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 420.33 334.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 457.82 334.25 Td (statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 316.25 Td (Refer ) Tj ET Q q 0 0 0 rg BT 74.21 316.25 Td (to ) Tj ET Q q 0 0 0 rg BT 84.49 316.25 Td (Note ) Tj ET Q q 0 0 0 rg BT 106.42 316.25 Td (6,Debt ) Tj ET Q q 0 0 0 rg BT 138.36 316.25 Td (and ) Tj ET Q q 0 0 0 rg BT 155.30 316.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 186.68 316.25 Td (Lease ) Tj ET Q q 0 0 0 rg BT 212.50 316.25 Td (Obligations, ) Tj ET Q q 0 0 0 rg BT 264.16 316.25 Td (and ) Tj ET Q q 0 0 0 rg BT 281.10 316.25 Td (Note ) Tj ET Q q 0 0 0 rg BT 303.04 316.25 Td (13,) Tj ET Q q 0 0 0 rg BT 317.86 316.25 Td (V) Tj ET Q q 0 0 0 rg BT 323.97 316.25 Td (ariable ) Tj ET Q q 0 0 0 rg BT 353.67 316.25 Td (Interest ) Tj ET Q q 0 0 0 rg BT 386.16 316.25 Td (Entities, ) Tj ET Q q 0 0 0 rg BT 421.71 316.25 Td (for ) Tj ET Q q 0 0 0 rg BT 435.87 316.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 478.36 316.25 Td (information.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 298.25 Td (Use ) Tj ET Q q 0 0 0 rg BT 68.20 298.25 Td (of ) Tj ET Q q 0 0 0 rg BT 79.67 298.25 Td (Estimates) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.68 298.25 Td (. ) Tj ET Q q 0 0 0 rg BT 125.32 298.25 Td ( ) Tj ET Q q 0 0 0 rg BT 128.24 298.25 Td (The ) Tj ET Q q 0 0 0 rg BT 146.94 298.25 Td (preparation ) Tj ET Q q 0 0 0 rg BT 195.61 298.25 Td (of ) Tj ET Q q 0 0 0 rg BT 207.09 298.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 245.22 298.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 290.57 298.25 Td (in ) Tj ET Q q 0 0 0 rg BT 301.50 298.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 349.61 298.25 Td (with ) Tj ET Q q 0 0 0 rg BT 370.53 298.25 Td (GAAP) Tj ET Q q 0 0 0 rg BT 397.39 298.25 Td ( ) Tj ET Q q 0 0 0 rg BT 400.53 298.25 Td (requires ) Tj ET Q q 0 0 0 rg BT 435.88 298.25 Td (management ) Tj ET Q q 0 0 0 rg BT 490.12 298.25 Td (to ) Tj ET Q q 0 0 0 rg BT 501.04 298.25 Td (make ) Tj ET Q q 0 0 0 rg BT 525.85 298.25 Td (informed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 286.25 Td (judgments ) Tj ET Q q 0 0 0 rg BT 92.42 286.25 Td (and ) Tj ET Q q 0 0 0 rg BT 108.10 286.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 146.57 286.25 Td (that ) Tj ET Q q 0 0 0 rg BT 162.81 286.25 Td (af) Tj ET Q q 0 0 0 rg BT 170.40 286.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 186.63 286.25 Td (the ) Tj ET Q q 0 0 0 rg BT 200.10 286.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 234.67 286.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 269.80 286.25 Td (of ) Tj ET Q q 0 0 0 rg BT 279.38 286.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 306.46 286.25 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 347.43 286.25 Td (revenues ) Tj ET Q q 0 0 0 rg BT 384.22 286.25 Td (and ) Tj ET Q q 0 0 0 rg BT 399.91 286.25 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 439.75 286.25 Td (and ) Tj ET Q q 0 0 0 rg BT 455.44 286.25 Td (the ) Tj ET Q q 0 0 0 rg BT 468.91 286.25 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 510.71 286.25 Td (of ) Tj ET Q q 0 0 0 rg BT 520.29 286.25 Td (contingent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 274.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 75.99 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 93.59 274.25 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 136.46 274.25 Td (Changes ) Tj ET Q q 0 0 0 rg BT 174.06 274.25 Td (in ) Tj ET Q q 0 0 0 rg BT 185.00 274.25 Td (facts ) Tj ET Q q 0 0 0 rg BT 207.03 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 224.63 274.25 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 284.43 274.25 Td (or ) Tj ET Q q 0 0 0 rg BT 295.92 274.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 339.07 274.25 Td (information ) Tj ET Q q 0 0 0 rg BT 389.44 274.25 Td (may ) Tj ET Q q 0 0 0 rg BT 409.82 274.25 Td (result ) Tj ET Q q 0 0 0 rg BT 435.19 274.25 Td (in ) Tj ET Q q 0 0 0 rg BT 446.13 274.25 Td (revised ) Tj ET Q q 0 0 0 rg BT 478.17 274.25 Td (estimates, ) Tj ET Q q 0 0 0 rg BT 521.04 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 538.64 274.25 Td (actual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 262.25 Td (results ) Tj ET Q q 0 0 0 rg BT 77.61 262.25 Td (may ) Tj ET Q q 0 0 0 rg BT 96.83 262.25 Td (dif) Tj ET Q q 0 0 0 rg BT 107.76 262.25 Td (fer) Tj ET Q q 0 0 0 rg BT 118.46 262.25 Td (, ) Tj ET Q q 0 0 0 rg BT 122.96 262.25 Td (even ) Tj ET Q q 0 0 0 rg BT 143.84 262.25 Td (significantly) Tj ET Q q 0 0 0 rg BT 193.18 262.25 Td (, ) Tj ET Q q 0 0 0 rg BT 197.69 262.25 Td (from ) Tj ET Q q 0 0 0 rg BT 219.13 262.25 Td (these ) Tj ET Q q 0 0 0 rg BT 241.68 262.25 Td (estimates. ) Tj ET Q q 0 0 0 rg BT 283.39 262.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 337.60 262.25 Td (evaluates ) Tj ET Q q 0 0 0 rg BT 376.80 262.25 Td (its ) Tj ET Q q 0 0 0 rg BT 388.26 262.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 427.47 262.25 Td (and ) Tj ET Q q 0 0 0 rg BT 443.91 262.25 Td (related ) Tj ET Q q 0 0 0 rg BT 473.12 262.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 524.57 262.25 Td (regularly) Tj ET Q q 0 0 0 rg BT 560.02 262.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 250.25 Td (including ) Tj ET Q q 0 0 0 rg BT 90.06 250.25 Td (those ) Tj ET Q q 0 0 0 rg BT 113.95 250.25 Td (related ) Tj ET Q q 0 0 0 rg BT 143.94 250.25 Td (to ) Tj ET Q q 0 0 0 rg BT 154.50 250.25 Td (the ) Tj ET Q q 0 0 0 rg BT 169.50 250.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 212.82 250.25 Td (for ) Tj ET Q q 0 0 0 rg BT 227.26 250.25 Td (doubtful ) Tj ET Q q 0 0 0 rg BT 263.94 250.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 301.71 250.25 Td (and ) Tj ET Q q 0 0 0 rg BT 318.93 250.25 Td (allowances ) Tj ET Q q 0 0 0 rg BT 366.14 250.25 Td (for ) Tj ET Q q 0 0 0 rg BT 380.58 250.25 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 426.13 250.25 Td (option ) Tj ET Q q 0 0 0 rg BT 454.47 250.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 480.02 250.25 Td (programs, ) Tj ET Q q 0 0 0 rg BT 523.07 250.25 Td (which ) Tj ET Q q 0 0 0 rg BT 550.30 250.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.25 Td (particularly ) Tj ET Q q 0 0 0 rg BT 98.09 238.25 Td (sensitive ) Tj ET Q q 0 0 0 rg BT 135.58 238.25 Td (given ) Tj ET Q q 0 0 0 rg BT 160.30 238.25 Td (the ) Tj ET Q q 0 0 0 rg BT 175.02 238.25 Td (size ) Tj ET Q q 0 0 0 rg BT 193.06 238.25 Td (of ) Tj ET Q q 0 0 0 rg BT 203.89 238.25 Td (our ) Tj ET Q q 0 0 0 rg BT 219.72 238.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 258.88 238.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 296.38 238.25 Td (balance. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 220.25 Td (Cash ) Tj ET Q q 0 0 0 rg BT 74.20 220.25 Td (and ) Tj ET Q q 0 0 0 rg BT 93.35 220.25 Td (Cash ) Tj ET Q q 0 0 0 rg BT 118.05 220.25 Td (Equivalents) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 166.95 220.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.45 220.25 Td ( ) Tj ET Q q 0 0 0 rg BT 173.03 220.25 Td ( ) Tj ET Q q 0 0 0 rg BT 176.61 220.25 Td (Cash ) Tj ET Q q 0 0 0 rg BT 200.19 220.25 Td (and ) Tj ET Q q 0 0 0 rg BT 218.21 220.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 239.56 220.25 Td (equivalents ) Tj ET Q q 0 0 0 rg BT 288.68 220.25 Td (include ) Tj ET Q q 0 0 0 rg BT 321.69 220.25 Td (cash, ) Tj ET Q q 0 0 0 rg BT 345.54 220.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 371.89 220.25 Td (card ) Tj ET Q q 0 0 0 rg BT 392.67 220.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 429.03 220.25 Td (in-transit, ) Tj ET Q q 0 0 0 rg BT 471.22 220.25 Td (and ) Tj ET Q q 0 0 0 rg BT 489.24 220.25 Td (highly ) Tj ET Q q 0 0 0 rg BT 518.37 220.25 Td (liquid ) Tj ET Q q 0 0 0 rg BT 545.29 220.25 Td (debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 208.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 98.80 208.25 Td (purchased ) Tj ET Q q 0 0 0 rg BT 141.97 208.25 Td (with ) Tj ET Q q 0 0 0 rg BT 162.39 208.25 Td (a ) Tj ET Q q 0 0 0 rg BT 169.46 208.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 205.98 208.25 Td (of ) Tj ET Q q 0 0 0 rg BT 216.95 208.25 Td (three ) Tj ET Q q 0 0 0 rg BT 239.57 208.25 Td (months ) Tj ET Q q 0 0 0 rg BT 271.65 208.25 Td (or ) Tj ET Q q 0 0 0 rg BT 282.62 208.25 Td (less. ) Tj ET Q q 0 0 0 rg BT 302.75 208.25 Td ( ) Tj ET Q q 0 0 0 rg BT 305.39 208.25 Td (Cash ) Tj ET Q q 0 0 0 rg BT 328.02 208.25 Td (and ) Tj ET Q q 0 0 0 rg BT 345.10 208.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 365.50 208.25 Td (equivalents ) Tj ET Q q 0 0 0 rg BT 413.68 208.25 Td (include ) Tj ET Q q 0 0 0 rg BT 445.75 208.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 471.15 208.25 Td (card ) Tj ET Q q 0 0 0 rg BT 490.99 208.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 526.41 208.25 Td (in-transit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 196.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.33 196.25 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 80.33 196.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.22 196.25 Td ( ) Tj ET Q q 0 0 0 rg BT 111.72 196.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.66 196.25 Td ($2.4 ) Tj ET Q q 0 0 0 rg BT 148.66 196.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.55 196.25 Td (, ) Tj ET Q q 0 0 0 rg BT 182.55 196.25 Td (as ) Tj ET Q q 0 0 0 rg BT 193.38 196.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.21 196.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 252.81 196.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.81 196.25 Td ( ) Tj ET Q q 0 0 0 rg BT 275.31 196.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.25 196.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.25 196.25 Td (, ) Tj ET Q q 0 0 0 rg BT 317.25 196.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 364.91 196.25 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 178.25 Td (Restricted ) Tj ET Q q 0 0 0 rg BT 92.02 178.25 Td (Cash. ) Tj ET Q q 0 0 0 rg BT 117.05 178.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.46 178.25 Td (The ) Tj ET Q q 0 0 0 rg BT 135.42 178.25 Td (restricted ) Tj ET Q q 0 0 0 rg BT 174.04 178.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 193.22 178.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 225.16 178.25 Td (as ) Tj ET Q q 0 0 0 rg BT 234.91 178.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.65 178.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 292.16 178.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.16 178.25 Td ( ) Tj ET Q q 0 0 0 rg BT 313.57 178.25 Td (and ) Tj ET Q q 0 0 0 rg BT 329.42 178.25 Td (2017 ) Tj ET Q q 0 0 0 rg BT 350.84 178.25 Td (includes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.58 178.25 Td ($58.1 ) Tj ET Q q 0 0 0 rg BT 409.49 178.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.38 178.25 Td ( ) Tj ET Q q 0 0 0 rg BT 439.79 178.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.64 178.25 Td ($75.2 ) Tj ET Q q 0 0 0 rg BT 479.56 178.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.45 178.25 Td (, ) Tj ET Q q 0 0 0 rg BT 512.36 178.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 560.02 178.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.43 166.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 80.80 166.25 Td (we ) Tj ET Q q 0 0 0 rg BT 95.06 166.25 Td (collected ) Tj ET Q q 0 0 0 rg BT 133.74 166.25 Td (as ) Tj ET Q q 0 0 0 rg BT 144.67 166.25 Td (servicer ) Tj ET Q q 0 0 0 rg BT 178.92 166.25 Td (on ) Tj ET Q q 0 0 0 rg BT 191.52 166.25 Td (the ) Tj ET Q q 0 0 0 rg BT 206.33 166.25 Td (securitized ) Tj ET Q q 0 0 0 rg BT 252.24 166.25 Td (receivables ) Tj ET Q q 0 0 0 rg BT 299.81 166.25 Td (that ) Tj ET Q q 0 0 0 rg BT 317.41 166.25 Td (was ) Tj ET Q q 0 0 0 rg BT 335.56 166.25 Td (subsequently ) Tj ET Q q 0 0 0 rg BT 390.37 166.25 Td (remitted ) Tj ET Q q 0 0 0 rg BT 426.29 166.25 Td (to ) Tj ET Q q 0 0 0 rg BT 436.67 166.25 Td (the ) Tj ET Q q 0 0 0 rg BT 451.30 166.25 Td (VIEs ) Tj ET Q q 0 0 0 rg BT 474.45 166.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.49 166.25 Td ($27.2 ) Tj ET Q q 0 0 0 rg BT 516.59 166.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.48 166.25 Td ( ) Tj ET Q q 0 0 0 rg BT 548.08 166.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 154.25 Td ($35.5 ) Tj ET Q q 0 0 0 rg BT 74.50 154.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.39 154.25 Td (, ) Tj ET Q q 0 0 0 rg BT 108.39 154.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 156.05 154.25 Td (, ) Tj ET Q q 0 0 0 rg BT 161.05 154.25 Td (of ) Tj ET Q q 0 0 0 rg BT 171.88 154.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 192.15 154.25 Td (held ) Tj ET Q q 0 0 0 rg BT 211.87 154.25 Td (by ) Tj ET Q q 0 0 0 rg BT 224.37 154.25 Td (the ) Tj ET Q q 0 0 0 rg BT 238.90 154.25 Td (VIEs ) Tj ET Q q 0 0 0 rg BT 261.96 154.25 Td (as ) Tj ET Q q 0 0 0 rg BT 272.79 154.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 315.28 154.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 354.97 154.25 Td (for ) Tj ET Q q 0 0 0 rg BT 369.13 154.25 Td (the ) Tj ET Q q 0 0 0 rg BT 383.85 154.25 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 437.43 154.25 Td (notes. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 136.25 Td (Customer ) Tj ET Q q 0 0 0 rg BT 90.79 136.25 Td (Accounts ) Tj ET Q q 0 0 0 rg BT 130.63 136.25 Td (Receivable.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.05 136.25 Td (Customer ) Tj ET Q q 0 0 0 rg BT 220.43 136.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 256.92 136.25 Td (receivable ) Tj ET Q q 0 0 0 rg BT 299.50 136.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 334.31 136.25 Td (in ) Tj ET Q q 0 0 0 rg BT 343.59 136.25 Td (the ) Tj ET Q q 0 0 0 rg BT 357.31 136.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 409.35 136.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 441.39 136.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 463.43 136.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 498.26 136.25 Td (total ) Tj ET Q q 0 0 0 rg BT 517.53 136.25 Td (receivables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 124.25 Td (managed, ) Tj ET Q q 0 0 0 rg BT 91.01 124.25 Td (including ) Tj ET Q q 0 0 0 rg BT 131.70 124.25 Td (both ) Tj ET Q q 0 0 0 rg BT 152.40 124.25 Td (those ) Tj ET Q q 0 0 0 rg BT 176.42 124.25 Td (transferred ) Tj ET Q q 0 0 0 rg BT 222.64 124.25 Td (to ) Tj ET Q q 0 0 0 rg BT 233.34 124.25 Td (the ) Tj ET Q q 0 0 0 rg BT 248.26 124.25 Td (VIEs ) Tj ET Q q 0 0 0 rg BT 271.73 124.25 Td (and ) Tj ET Q q 0 0 0 rg BT 289.08 124.25 Td (those ) Tj ET Q q 0 0 0 rg BT 313.11 124.25 Td (not ) Tj ET Q q 0 0 0 rg BT 328.80 124.25 Td (transferred ) Tj ET Q q 0 0 0 rg BT 375.02 124.25 Td (to ) Tj ET Q q 0 0 0 rg BT 385.72 124.25 Td (the ) Tj ET Q q 0 0 0 rg BT 400.64 124.25 Td (VIEs. ) Tj ET Q q 0 0 0 rg BT 426.61 124.25 Td (Customer ) Tj ET Q q 0 0 0 rg BT 468.41 124.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 506.31 124.25 Td (receivable ) Tj ET Q q 0 0 0 rg BT 550.31 124.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 112.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 95.33 112.25 Td (at ) Tj ET Q q 0 0 0 rg BT 104.51 112.25 Td (the ) Tj ET Q q 0 0 0 rg BT 118.69 112.25 Td (time ) Tj ET Q q 0 0 0 rg BT 138.43 112.25 Td (the ) Tj ET Q q 0 0 0 rg BT 152.61 112.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 191.23 112.25 Td (takes ) Tj ET Q q 0 0 0 rg BT 213.74 112.25 Td (possession ) Tj ET Q q 0 0 0 rg BT 258.49 112.25 Td (of ) Tj ET Q q 0 0 0 rg BT 268.78 112.25 Td (the ) Tj ET Q q 0 0 0 rg BT 282.96 112.25 Td (product. ) Tj ET Q q 0 0 0 rg BT 317.97 112.25 Td (Based ) Tj ET Q q 0 0 0 rg BT 344.38 112.25 Td (on ) Tj ET Q q 0 0 0 rg BT 356.34 112.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 402.72 112.25 Td (terms, ) Tj ET Q q 0 0 0 rg BT 429.40 112.25 Td (we ) Tj ET Q q 0 0 0 rg BT 443.03 112.25 Td (record ) Tj ET Q q 0 0 0 rg BT 470.53 112.25 Td (the ) Tj ET Q q 0 0 0 rg BT 484.71 112.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 516.67 112.25 Td (of ) Tj ET Q q 0 0 0 rg BT 526.97 112.25 Td (principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 100.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.32 100.25 Td (accrued ) Tj ET Q q 0 0 0 rg BT 99.79 100.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 131.60 100.25 Td (on ) Tj ET Q q 0 0 0 rg BT 143.98 100.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 183.02 100.25 Td (receivables ) Tj ET Q q 0 0 0 rg BT 230.37 100.25 Td (that ) Tj ET Q q 0 0 0 rg BT 247.75 100.25 Td (is ) Tj ET Q q 0 0 0 rg BT 256.80 100.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 294.72 100.25 Td (to ) Tj ET Q q 0 0 0 rg BT 304.88 100.25 Td (be ) Tj ET Q q 0 0 0 rg BT 316.70 100.25 Td (collected ) Tj ET Q q 0 0 0 rg BT 355.17 100.25 Td (within ) Tj ET Q q 0 0 0 rg BT 383.11 100.25 Td (the ) Tj ET Q q 0 0 0 rg BT 397.70 100.25 Td (next ) Tj ET Q q 0 0 0 rg BT 417.30 100.25 Td (twelve ) Tj ET Q q 0 0 0 rg BT 446.34 100.25 Td (months ) Tj ET Q q 0 0 0 rg BT 478.17 100.25 Td (in ) Tj ET Q q 0 0 0 rg BT 488.33 100.25 Td (current ) Tj ET Q q 0 0 0 rg BT 519.03 100.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 544.74 100.25 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 88.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.99 88.25 Td (remaining ) Tj ET Q q 0 0 0 rg BT 108.81 88.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 142.62 88.25 Td (in ) Tj ET Q q 0 0 0 rg BT 153.67 88.25 Td (long-term ) Tj ET Q q 0 0 0 rg BT 196.38 88.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 222.99 88.25 Td (on ) Tj ET Q q 0 0 0 rg BT 236.26 88.25 Td (the ) Tj ET Q q 0 0 0 rg BT 251.75 88.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 305.57 88.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 339.38 88.25 Td (sheet. ) Tj ET Q q 0 0 0 rg BT 365.70 88.25 Td (Customer ) Tj ET Q q 0 0 0 rg BT 407.86 88.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 446.12 88.25 Td (receivable ) Tj ET Q q 0 0 0 rg BT 490.48 88.25 Td (include ) Tj ET Q q 0 0 0 rg BT 523.19 88.25 Td (the ) Tj ET Q q 0 0 0 rg BT 538.68 88.25 Td (net ) Tj ET Q q 0 0 0 rg BT 554.17 88.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 76.25 Td (unamortized ) Tj ET Q q 0 0 0 rg BT 101.13 76.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 136.09 76.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 153.84 76.25 Td (char) Tj ET Q q 0 0 0 rg BT 170.87 76.25 Td (ged ) Tj ET Q q 0 0 0 rg BT 186.96 76.25 Td (to ) Tj ET Q q 0 0 0 rg BT 196.39 76.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 238.59 76.25 Td (and ) Tj ET Q q 0 0 0 rg BT 254.68 76.25 Td (origination ) Tj ET Q q 0 0 0 rg BT 300.22 76.25 Td (costs. ) Tj ET Q q 0 0 0 rg BT 324.37 76.25 Td (Customer ) Tj ET Q q 0 0 0 rg BT 364.91 76.25 Td (receivables ) Tj ET Q q 0 0 0 rg BT 411.53 76.25 Td (are ) Tj ET Q q 0 0 0 rg BT 425.39 76.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 470.36 76.25 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 514.23 76.25 Td (if ) Tj ET Q q 0 0 0 rg BT 521.99 76.25 Td (a ) Tj ET Q q 0 0 0 rg BT 528.08 76.25 Td (payment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 64.25 Td (has ) Tj ET Q q 0 0 0 rg BT 65.62 64.25 Td (not ) Tj ET Q q 0 0 0 rg BT 81.18 64.25 Td (been ) Tj ET Q q 0 0 0 rg BT 102.84 64.25 Td (received ) Tj ET Q q 0 0 0 rg BT 139.49 64.25 Td (on ) Tj ET Q q 0 0 0 rg BT 152.28 64.25 Td (the ) Tj ET Q q 0 0 0 rg BT 167.28 64.25 Td (scheduled ) Tj ET Q q 0 0 0 rg BT 210.05 64.25 Td (due ) Tj ET Q q 0 0 0 rg BT 227.27 64.25 Td (date. ) Tj ET Q q 0 0 0 rg BT 248.60 64.25 Td (Accounts ) Tj ET Q q 0 0 0 rg BT 289.15 64.25 Td (that ) Tj ET Q q 0 0 0 rg BT 306.93 64.25 Td (are ) Tj ET Q q 0 0 0 rg BT 321.93 64.25 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 366.92 64.25 Td (more ) Tj ET Q q 0 0 0 rg BT 390.26 64.25 Td (than ) Tj ET Q q 0 0 0 rg BT 410.26 64.25 Td (209 ) Tj ET Q q 0 0 0 rg BT 428.05 64.25 Td (days ) Tj ET Q q 0 0 0 rg BT 449.16 64.25 Td (as ) Tj ET Q q 0 0 0 rg BT 460.28 64.25 Td (of ) Tj ET Q q 0 0 0 rg BT 471.39 64.25 Td (the ) Tj ET Q q 0 0 0 rg BT 486.40 64.25 Td (end ) Tj ET Q q 0 0 0 rg BT 503.62 64.25 Td (of ) Tj ET Q q 0 0 0 rg BT 514.73 64.25 Td (a ) Tj ET Q q 0 0 0 rg BT 521.96 64.25 Td (month ) Tj ET Q q 0 0 0 rg BT 550.30 64.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 52.25 Td (char) Tj ET Q q 0 0 0 rg BT 66.53 52.25 Td (ged-of) Tj ET Q q 0 0 0 rg BT 92.44 52.25 Td (f ) Tj ET Q q 0 0 0 rg BT 98.27 52.25 Td (against ) Tj ET Q q 0 0 0 rg BT 129.10 52.25 Td (the ) Tj ET Q q 0 0 0 rg BT 143.82 52.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 186.85 52.25 Td (for ) Tj ET Q q 0 0 0 rg BT 201.01 52.25 Td (doubtful ) Tj ET Q q 0 0 0 rg BT 237.40 52.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 274.88 52.25 Td (along ) Tj ET Q q 0 0 0 rg BT 299.60 52.25 Td (with ) Tj ET Q q 0 0 0 rg BT 319.88 52.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 351.81 52.25 Td (accrued ) Tj ET Q q 0 0 0 rg BT 385.39 52.25 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 432.33 52.25 Td (to ) Tj ET Q q 0 0 0 rg BT 442.61 52.25 Td (the ) Tj ET Q q 0 0 0 rg BT 457.33 52.25 Td (last ) Tj ET Q q 0 0 0 rg BT 473.71 52.25 Td (payment.) Tj ET Q endstream endobj 133 0 obj <>] /Rotate 0 /Contents 134 0 R>> endobj 134 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (65) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 731.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.39 731.10 Td (an ) Tj ET Q q 0 0 0 rg BT 72.39 731.10 Td (ef) Tj ET Q q 0 0 0 rg BT 79.98 731.10 Td (fort ) Tj ET Q q 0 0 0 rg BT 96.98 731.10 Td (to ) Tj ET Q q 0 0 0 rg BT 107.32 731.10 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 142.65 731.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 169.10 731.10 Td (on ) Tj ET Q q 0 0 0 rg BT 181.66 731.10 Td (our ) Tj ET Q q 0 0 0 rg BT 197.55 731.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 235.10 731.10 Td (receivable, ) Tj ET Q q 0 0 0 rg BT 281.24 731.10 Td (we ) Tj ET Q q 0 0 0 rg BT 295.46 731.10 Td (may ) Tj ET Q q 0 0 0 rg BT 315.24 731.10 Td (make ) Tj ET Q q 0 0 0 rg BT 339.45 731.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 359.23 731.10 Td (modifications ) Tj ET Q q 0 0 0 rg BT 416.78 731.10 Td (to ) Tj ET Q q 0 0 0 rg BT 427.12 731.10 Td (a ) Tj ET Q q 0 0 0 rg BT 434.12 731.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 473.33 731.10 Td (experiencing ) Tj ET Q q 0 0 0 rg BT 527.53 731.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 719.10 Td (dif) Tj ET Q q 0 0 0 rg BT 60.43 719.10 Td (ficulty) Tj ET Q q 0 0 0 rg BT 85.88 719.10 Td (. ) Tj ET Q q 0 0 0 rg BT 90.66 719.10 Td (In ) Tj ET Q q 0 0 0 rg BT 101.26 719.10 Td (our ) Tj ET Q q 0 0 0 rg BT 116.87 719.10 Td (role ) Tj ET Q q 0 0 0 rg BT 134.69 719.10 Td (as ) Tj ET Q q 0 0 0 rg BT 145.30 719.10 Td (servicer) Tj ET Q q 0 0 0 rg BT 176.54 719.10 Td (, ) Tj ET Q q 0 0 0 rg BT 181.32 719.10 Td (we ) Tj ET Q q 0 0 0 rg BT 195.25 719.10 Td (may ) Tj ET Q q 0 0 0 rg BT 214.74 719.10 Td (also ) Tj ET Q q 0 0 0 rg BT 233.13 719.10 Td (make ) Tj ET Q q 0 0 0 rg BT 257.06 719.10 Td (modifications ) Tj ET Q q 0 0 0 rg BT 314.32 719.10 Td (to ) Tj ET Q q 0 0 0 rg BT 324.38 719.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 347.76 719.10 Td (held ) Tj ET Q q 0 0 0 rg BT 367.25 719.10 Td (by ) Tj ET Q q 0 0 0 rg BT 379.53 719.10 Td (the ) Tj ET Q q 0 0 0 rg BT 393.86 719.10 Td (VIEs. ) Tj ET Q q 0 0 0 rg BT 419.02 719.10 Td (The ) Tj ET Q q 0 0 0 rg BT 436.84 719.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 456.33 719.10 Td (modifications ) Tj ET Q q 0 0 0 rg BT 513.60 719.10 Td (are ) Tj ET Q q 0 0 0 rg BT 528.08 719.10 Td (intended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 707.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.55 707.10 Td (maximize ) Tj ET Q q 0 0 0 rg BT 101.26 707.10 Td (net ) Tj ET Q q 0 0 0 rg BT 115.75 707.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 135.79 707.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 156.40 707.10 Td (after ) Tj ET Q q 0 0 0 rg BT 176.99 707.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 215.36 707.10 Td (and ) Tj ET Q q 0 0 0 rg BT 232.08 707.10 Td (avoid ) Tj ET Q q 0 0 0 rg BT 256.57 707.10 Td (the ) Tj ET Q q 0 0 0 rg BT 271.06 707.10 Td (need ) Tj ET Q q 0 0 0 rg BT 292.21 707.10 Td (to ) Tj ET Q q 0 0 0 rg BT 302.27 707.10 Td (repossess ) Tj ET Q q 0 0 0 rg BT 342.32 707.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 381.79 707.10 Td (or ) Tj ET Q q 0 0 0 rg BT 392.40 707.10 Td (exercise ) Tj ET Q q 0 0 0 rg BT 427.42 707.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 449.13 707.10 Td (remedies ) Tj ET Q q 0 0 0 rg BT 487.50 707.10 Td (available ) Tj ET Q q 0 0 0 rg BT 525.87 707.10 Td (to ) Tj ET Q q 0 0 0 rg BT 535.92 707.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 549.42 707.10 Td (W) Tj ET Q q 0 0 0 rg BT 558.06 707.10 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 695.10 Td (may ) Tj ET Q q 0 0 0 rg BT 68.98 695.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 97.90 695.10 Td (or ) Tj ET Q q 0 0 0 rg BT 108.49 695.10 Td ("re-age" ) Tj ET Q q 0 0 0 rg BT 143.89 695.10 Td (a ) Tj ET Q q 0 0 0 rg BT 150.59 695.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 181.74 695.10 Td (of ) Tj ET Q q 0 0 0 rg BT 192.33 695.10 Td (our ) Tj ET Q q 0 0 0 rg BT 207.92 695.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 246.84 695.10 Td (accounts, ) Tj ET Q q 0 0 0 rg BT 286.59 695.10 Td (which ) Tj ET Q q 0 0 0 rg BT 313.29 695.10 Td (involves ) Tj ET Q q 0 0 0 rg BT 349.44 695.10 Td (modifying ) Tj ET Q q 0 0 0 rg BT 393.37 695.10 Td (the ) Tj ET Q q 0 0 0 rg BT 407.85 695.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 444.54 695.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 469.02 695.10 Td (to ) Tj ET Q q 0 0 0 rg BT 479.06 695.10 Td (defer ) Tj ET Q q 0 0 0 rg BT 501.86 695.10 Td (a ) Tj ET Q q 0 0 0 rg BT 508.56 695.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 539.71 695.10 Td (of ) Tj ET Q q 0 0 0 rg BT 550.30 695.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 683.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 69.42 683.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 109.89 683.10 Td (due. ) Tj ET Q q 0 0 0 rg BT 128.98 683.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 146.68 683.10 Td (re-aging ) Tj ET Q q 0 0 0 rg BT 182.14 683.10 Td (of ) Tj ET Q q 0 0 0 rg BT 192.62 683.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 231.42 683.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 268.56 683.10 Td (does ) Tj ET Q q 0 0 0 rg BT 289.04 683.10 Td (not ) Tj ET Q q 0 0 0 rg BT 303.96 683.10 Td (change ) Tj ET Q q 0 0 0 rg BT 334.43 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.79 683.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 380.37 683.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 397.51 683.10 Td (or ) Tj ET Q q 0 0 0 rg BT 407.99 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 422.35 683.10 Td (total ) Tj ET Q q 0 0 0 rg BT 442.27 683.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 479.96 683.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 512.11 683.10 Td (due ) Tj ET Q q 0 0 0 rg BT 528.69 683.10 Td (from ) Tj ET Q q 0 0 0 rg BT 550.28 683.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 671.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 88.44 671.10 Td (and ) Tj ET Q q 0 0 0 rg BT 105.17 671.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 142.45 671.10 Td (does ) Tj ET Q q 0 0 0 rg BT 163.06 671.10 Td (not ) Tj ET Q q 0 0 0 rg BT 178.13 671.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 207.06 671.10 Td (the ) Tj ET Q q 0 0 0 rg BT 221.57 671.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 257.19 671.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 303.90 671.10 Td (payments. ) Tj ET Q q 0 0 0 rg BT 346.84 671.10 Td (T) Tj ET Q q 0 0 0 rg BT 352.25 671.10 Td (o ) Tj ET Q q 0 0 0 rg BT 359.54 671.10 Td (a ) Tj ET Q q 0 0 0 rg BT 366.27 671.10 Td (much ) Tj ET Q q 0 0 0 rg BT 390.77 671.10 Td (lesser ) Tj ET Q q 0 0 0 rg BT 415.83 671.10 Td (extent, ) Tj ET Q q 0 0 0 rg BT 445.05 671.10 Td (we ) Tj ET Q q 0 0 0 rg BT 459.00 671.10 Td (may ) Tj ET Q q 0 0 0 rg BT 478.50 671.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 511.34 671.10 Td (the ) Tj ET Q q 0 0 0 rg BT 525.84 671.10 Td (customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 659.10 Td (the ) Tj ET Q q 0 0 0 rg BT 63.52 659.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 90.88 659.10 Td (to ) Tj ET Q q 0 0 0 rg BT 100.46 659.10 Td (re-age ) Tj ET Q q 0 0 0 rg BT 127.25 659.10 Td (their ) Tj ET Q q 0 0 0 rg BT 147.38 659.10 Td (obligation ) Tj ET Q q 0 0 0 rg BT 189.73 659.10 Td (by ) Tj ET Q q 0 0 0 rg BT 201.54 659.10 Td (refinancing ) Tj ET Q q 0 0 0 rg BT 248.88 659.10 Td (the ) Tj ET Q q 0 0 0 rg BT 262.90 659.10 Td (account, ) Tj ET Q q 0 0 0 rg BT 298.30 659.10 Td (which ) Tj ET Q q 0 0 0 rg BT 324.54 659.10 Td (does ) Tj ET Q q 0 0 0 rg BT 344.68 659.10 Td (not ) Tj ET Q q 0 0 0 rg BT 359.26 659.10 Td (change ) Tj ET Q q 0 0 0 rg BT 389.38 659.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.41 659.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 434.65 659.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 451.44 659.10 Td (or ) Tj ET Q q 0 0 0 rg BT 461.57 659.10 Td (the ) Tj ET Q q 0 0 0 rg BT 475.59 659.10 Td (total ) Tj ET Q q 0 0 0 rg BT 495.17 659.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 532.52 659.10 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 647.10 Td (due ) Tj ET Q q 0 0 0 rg BT 66.80 647.10 Td (from ) Tj ET Q q 0 0 0 rg BT 89.11 647.10 Td (the ) Tj ET Q q 0 0 0 rg BT 104.19 647.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 143.71 647.10 Td (but ) Tj ET Q q 0 0 0 rg BT 159.36 647.10 Td (does ) Tj ET Q q 0 0 0 rg BT 180.55 647.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 210.07 647.10 Td (the ) Tj ET Q q 0 0 0 rg BT 225.15 647.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 261.35 647.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 308.64 647.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 349.83 647.10 Td (and ) Tj ET Q q 0 0 0 rg BT 367.13 647.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 396.65 647.10 Td (the ) Tj ET Q q 0 0 0 rg BT 411.74 647.10 Td (term. ) Tj ET Q q 0 0 0 rg BT 435.22 647.10 Td (W) Tj ET Q q 0 0 0 rg BT 443.86 647.10 Td (e ) Tj ET Q q 0 0 0 rg BT 451.16 647.10 Td (consider ) Tj ET Q q 0 0 0 rg BT 487.91 647.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 525.76 647.10 Td (that ) Tj ET Q q 0 0 0 rg BT 543.62 647.10 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 635.10 Td (been ) Tj ET Q q 0 0 0 rg BT 70.88 635.10 Td (re-aged ) Tj ET Q q 0 0 0 rg BT 103.35 635.10 Td (in ) Tj ET Q q 0 0 0 rg BT 113.63 635.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 142.23 635.10 Td (of ) Tj ET Q q 0 0 0 rg BT 153.06 635.10 Td (three ) Tj ET Q q 0 0 0 rg BT 175.54 635.10 Td (months ) Tj ET Q q 0 0 0 rg BT 207.49 635.10 Td (or ) Tj ET Q q 0 0 0 rg BT 218.32 635.10 Td (refinanced ) Tj ET Q q 0 0 0 rg BT 263.02 635.10 Td (as ) Tj ET Q q 0 0 0 rg BT 273.67 635.10 Td (T) Tj ET Q q 0 0 0 rg BT 279.42 635.10 Td (roubled ) Tj ET Q q 0 0 0 rg BT 312.47 635.10 Td (Debt ) Tj ET Q q 0 0 0 rg BT 334.41 635.10 Td (Restructurings ) Tj ET Q q 0 0 0 rg BT 395.23 635.10 Td (\("TDR" ) Tj ET Q q 0 0 0 rg BT 429.23 635.10 Td (or ) Tj ET Q q 0 0 0 rg BT 440.06 635.10 Td ("Restructured ) Tj ET Q q 0 0 0 rg BT 497.18 635.10 Td (Accounts"\).) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 617.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 82.97 617.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 115.88 617.10 Td (on ) Tj ET Q q 0 0 0 rg BT 128.24 617.10 Td (Customer ) Tj ET Q q 0 0 0 rg BT 169.79 617.10 Td (Accounts ) Tj ET Q q 0 0 0 rg BT 209.93 617.10 Td (Receivable) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 254.34 617.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.15 617.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 292.93 617.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 326.67 617.10 Td (which ) Tj ET Q q 0 0 0 rg BT 352.91 617.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 388.03 617.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 419.27 617.10 Td (income ) Tj ET Q q 0 0 0 rg BT 450.50 617.10 Td (and ) Tj ET Q q 0 0 0 rg BT 466.74 617.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 519.08 617.10 Td (of ) Tj ET Q q 0 0 0 rg BT 529.21 617.10 Td (deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 605.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 67.98 605.10 Td (and ) Tj ET Q q 0 0 0 rg BT 84.79 605.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 131.05 605.10 Td (costs, ) Tj ET Q q 0 0 0 rg BT 155.93 605.10 Td (is ) Tj ET Q q 0 0 0 rg BT 164.97 605.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 202.33 605.10 Td (using ) Tj ET Q q 0 0 0 rg BT 226.37 605.10 Td (the ) Tj ET Q q 0 0 0 rg BT 240.97 605.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 272.78 605.10 Td (method ) Tj ET Q q 0 0 0 rg BT 305.15 605.10 Td (and ) Tj ET Q q 0 0 0 rg BT 321.96 605.10 Td (is ) Tj ET Q q 0 0 0 rg BT 331.01 605.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 368.36 605.10 Td (in ) Tj ET Q q 0 0 0 rg BT 378.51 605.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 410.32 605.10 Td (char) Tj ET Q q 0 0 0 rg BT 427.34 605.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 443.05 605.10 Td (and ) Tj ET Q q 0 0 0 rg BT 459.86 605.10 Td (other ) Tj ET Q q 0 0 0 rg BT 482.79 605.10 Td (revenues. ) Tj ET Q q 0 0 0 rg BT 523.03 605.10 Td (T) Tj ET Q q 0 0 0 rg BT 528.44 605.10 Td (ypically) Tj ET Q q 0 0 0 rg BT 560.00 605.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 593.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 82.36 593.10 Td (income ) Tj ET Q q 0 0 0 rg BT 115.22 593.10 Td (is ) Tj ET Q q 0 0 0 rg BT 125.32 593.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 163.72 593.10 Td (until ) Tj ET Q q 0 0 0 rg BT 185.49 593.10 Td (the ) Tj ET Q q 0 0 0 rg BT 201.13 593.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 241.21 593.10 Td (account ) Tj ET Q q 0 0 0 rg BT 275.74 593.10 Td (is ) Tj ET Q q 0 0 0 rg BT 285.83 593.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 306.48 593.10 Td (of) Tj ET Q q 0 0 0 rg BT 314.63 593.10 Td (f ) Tj ET Q q 0 0 0 rg BT 321.38 593.10 Td (or ) Tj ET Q q 0 0 0 rg BT 333.14 593.10 Td (char) Tj ET Q q 0 0 0 rg BT 350.17 593.10 Td (ged-of) Tj ET Q q 0 0 0 rg BT 376.09 593.10 Td (f, ) Tj ET Q q 0 0 0 rg BT 385.34 593.10 Td (and ) Tj ET Q q 0 0 0 rg BT 403.21 593.10 Td (we ) Tj ET Q q 0 0 0 rg BT 418.30 593.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 452.27 593.10 Td (an ) Tj ET Q q 0 0 0 rg BT 465.14 593.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 509.10 593.10 Td (for ) Tj ET Q q 0 0 0 rg BT 524.19 593.10 Td (estimated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 581.10 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 103.65 581.10 Td (interest. ) Tj ET Q q 0 0 0 rg BT 137.54 581.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 157.27 581.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 204.20 581.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 236.14 581.10 Td (income ) Tj ET Q q 0 0 0 rg BT 268.09 581.10 Td (received ) Tj ET Q q 0 0 0 rg BT 304.46 581.10 Td (from ) Tj ET Q q 0 0 0 rg BT 326.40 581.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 369.46 581.10 Td (in ) Tj ET Q q 0 0 0 rg BT 379.75 581.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 408.35 581.10 Td (of ) Tj ET Q q 0 0 0 rg BT 419.19 581.10 Td (the ) Tj ET Q q 0 0 0 rg BT 433.92 581.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 465.86 581.10 Td (income ) Tj ET Q q 0 0 0 rg BT 497.80 581.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 540.84 581.10 Td (using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 569.10 Td (the ) Tj ET Q q 0 0 0 rg BT 63.83 569.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 95.38 569.10 Td (method ) Tj ET Q q 0 0 0 rg BT 127.49 569.10 Td (is ) Tj ET Q q 0 0 0 rg BT 136.27 569.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 173.36 569.10 Td (as ) Tj ET Q q 0 0 0 rg BT 183.80 569.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 219.22 569.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 252.98 569.10 Td (on ) Tj ET Q q 0 0 0 rg BT 265.09 569.10 Td (our ) Tj ET Q q 0 0 0 rg BT 280.54 569.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 313.18 569.10 Td (sheets. ) Tj ET Q q 0 0 0 rg BT 341.77 569.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.88 569.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 402.09 569.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.09 569.10 Td ( ) Tj ET Q q 0 0 0 rg BT 424.20 569.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.76 569.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.76 569.10 Td (, ) Tj ET Q q 0 0 0 rg BT 465.37 569.10 Td (there ) Tj ET Q q 0 0 0 rg BT 487.47 569.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.01 569.10 Td ($12.5 ) Tj ET Q q 0 0 0 rg BT 533.62 569.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 557.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.09 557.10 Td ($13.7 ) Tj ET Q q 0 0 0 rg BT 90.75 557.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.64 557.10 Td (, ) Tj ET Q q 0 0 0 rg BT 124.29 557.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 171.95 557.10 Td (, ) Tj ET Q q 0 0 0 rg BT 176.60 557.10 Td (of ) Tj ET Q q 0 0 0 rg BT 187.09 557.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 222.55 557.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 254.13 557.10 Td (included ) Tj ET Q q 0 0 0 rg BT 290.72 557.10 Td (in ) Tj ET Q q 0 0 0 rg BT 300.65 557.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 336.11 557.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 373.80 557.10 Td (and ) Tj ET Q q 0 0 0 rg BT 390.39 557.10 Td (other ) Tj ET Q q 0 0 0 rg BT 413.09 557.10 Td (credits ) Tj ET Q q 0 0 0 rg BT 441.90 557.10 Td (and ) Tj ET Q q 0 0 0 rg BT 458.49 557.10 Td (other ) Tj ET Q q 0 0 0 rg BT 481.19 557.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 522.78 557.10 Td (liabilities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 545.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.55 545.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 103.35 545.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 135.29 545.10 Td (will ) Tj ET Q q 0 0 0 rg BT 153.34 545.10 Td (ultimately ) Tj ET Q q 0 0 0 rg BT 196.39 545.10 Td (be ) Tj ET Q q 0 0 0 rg BT 208.33 545.10 Td (brought ) Tj ET Q q 0 0 0 rg BT 241.94 545.10 Td (into ) Tj ET Q q 0 0 0 rg BT 259.99 545.10 Td (income ) Tj ET Q q 0 0 0 rg BT 291.93 545.10 Td (as ) Tj ET Q q 0 0 0 rg BT 302.76 545.10 Td (the ) Tj ET Q q 0 0 0 rg BT 317.47 545.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 354.96 545.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 371.90 545.10 Td (of) Tj ET Q q 0 0 0 rg BT 380.05 545.10 Td (f ) Tj ET Q q 0 0 0 rg BT 385.88 545.10 Td (or ) Tj ET Q q 0 0 0 rg BT 396.71 545.10 Td (char) Tj ET Q q 0 0 0 rg BT 413.73 545.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 434.65 545.10 Td (f.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 527.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 527.10 Td (e ) Tj ET Q q 0 0 0 rg BT 66.10 527.10 Td (of) Tj ET Q q 0 0 0 rg BT 74.25 527.10 Td (fer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.88 527.10 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.88 527.10 Td (-month ) Tj ET Q q 0 0 0 rg BT 131.29 527.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.25 527.10 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.25 527.10 Td (-month ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.66 527.10 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.66 527.10 Td (-interest ) Tj ET Q q 0 0 0 rg BT 237.95 527.10 Td (option ) Tj ET Q q 0 0 0 rg BT 267.03 527.10 Td (programs. ) Tj ET Q q 0 0 0 rg BT 310.83 527.10 Td (If ) Tj ET Q q 0 0 0 rg BT 321.01 527.10 Td (the ) Tj ET Q q 0 0 0 rg BT 336.76 527.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 376.94 527.10 Td (is ) Tj ET Q q 0 0 0 rg BT 387.13 527.10 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 432.87 527.10 Td (in ) Tj ET Q q 0 0 0 rg BT 444.17 527.10 Td (making ) Tj ET Q q 0 0 0 rg BT 477.69 527.10 Td (a ) Tj ET Q q 0 0 0 rg BT 485.66 527.10 Td (scheduled ) Tj ET Q q 0 0 0 rg BT 529.17 527.10 Td (monthly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 515.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 86.53 515.10 Td (or ) Tj ET Q q 0 0 0 rg BT 97.46 515.10 Td (does ) Tj ET Q q 0 0 0 rg BT 118.39 515.10 Td (not ) Tj ET Q q 0 0 0 rg BT 133.76 515.10 Td (repay ) Tj ET Q q 0 0 0 rg BT 158.57 515.10 Td (the ) Tj ET Q q 0 0 0 rg BT 173.38 515.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 211.52 515.10 Td (in ) Tj ET Q q 0 0 0 rg BT 221.90 515.10 Td (full ) Tj ET Q q 0 0 0 rg BT 238.38 515.10 Td (by ) Tj ET Q q 0 0 0 rg BT 250.98 515.10 Td (the ) Tj ET Q q 0 0 0 rg BT 265.79 515.10 Td (end ) Tj ET Q q 0 0 0 rg BT 282.83 515.10 Td (of ) Tj ET Q q 0 0 0 rg BT 293.76 515.10 Td (the ) Tj ET Q q 0 0 0 rg BT 308.57 515.10 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 353.93 515.10 Td (option ) Tj ET Q q 0 0 0 rg BT 382.09 515.10 Td (program ) Tj ET Q q 0 0 0 rg BT 418.56 515.10 Td (period ) Tj ET Q q 0 0 0 rg BT 446.71 515.10 Td (\(grace ) Tj ET Q q 0 0 0 rg BT 474.28 515.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 506.32 515.10 Td (are ) Tj ET Q q 0 0 0 rg BT 521.12 515.10 Td (provided\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 503.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.08 503.10 Td (account ) Tj ET Q q 0 0 0 rg BT 97.54 503.10 Td (does ) Tj ET Q q 0 0 0 rg BT 118.24 503.10 Td (not ) Tj ET Q q 0 0 0 rg BT 133.39 503.10 Td (qualify ) Tj ET Q q 0 0 0 rg BT 164.08 503.10 Td (for ) Tj ET Q q 0 0 0 rg BT 178.11 503.10 Td (the ) Tj ET Q q 0 0 0 rg BT 192.69 503.10 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 237.82 503.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 277.97 503.10 Td (and ) Tj ET Q q 0 0 0 rg BT 294.77 503.10 Td (none ) Tj ET Q q 0 0 0 rg BT 316.58 503.10 Td (of ) Tj ET Q q 0 0 0 rg BT 327.28 503.10 Td (the ) Tj ET Q q 0 0 0 rg BT 341.86 503.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 373.66 503.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 402.67 503.10 Td (is ) Tj ET Q q 0 0 0 rg BT 411.71 503.10 Td (waived. ) Tj ET Q q 0 0 0 rg BT 445.46 503.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 477.81 503.10 Td (income ) Tj ET Q q 0 0 0 rg BT 509.61 503.10 Td (is ) Tj ET Q q 0 0 0 rg BT 518.65 503.10 Td (recognized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 491.10 Td (based ) Tj ET Q q 0 0 0 rg BT 74.79 491.10 Td (on ) Tj ET Q q 0 0 0 rg BT 87.30 491.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 128.14 491.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 161.74 491.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 193.69 491.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 222.85 491.10 Td (to ) Tj ET Q q 0 0 0 rg BT 233.15 491.10 Td (date ) Tj ET Q q 0 0 0 rg BT 252.32 491.10 Td (on ) Tj ET Q q 0 0 0 rg BT 264.84 491.10 Td (all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.35 491.10 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.35 491.10 Td (-interest ) Tj ET Q q 0 0 0 rg BT 322.63 491.10 Td (option ) Tj ET Q q 0 0 0 rg BT 350.71 491.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 382.65 491.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 422.93 491.10 Td (with ) Tj ET Q q 0 0 0 rg BT 443.23 491.10 Td (an ) Tj ET Q q 0 0 0 rg BT 455.18 491.10 Td (of) Tj ET Q q 0 0 0 rg BT 463.33 491.10 Td (fsetting ) Tj ET Q q 0 0 0 rg BT 495.85 491.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 527.23 491.10 Td (for ) Tj ET Q q 0 0 0 rg BT 541.41 491.10 Td (those ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 479.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 92.74 479.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 130.96 479.10 Td (to ) Tj ET Q q 0 0 0 rg BT 141.43 479.10 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 170.23 479.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.13 479.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 240.03 479.10 Td (of ) Tj ET Q q 0 0 0 rg BT 251.05 479.10 Td (the ) Tj ET Q q 0 0 0 rg BT 265.96 479.10 Td (program ) Tj ET Q q 0 0 0 rg BT 302.52 479.10 Td (based ) Tj ET Q q 0 0 0 rg BT 327.98 479.10 Td (on ) Tj ET Q q 0 0 0 rg BT 340.67 479.10 Td (our ) Tj ET Q q 0 0 0 rg BT 356.69 479.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 396.59 479.10 Td (experience. ) Tj ET Q q 0 0 0 rg BT 444.89 479.10 Td (W) Tj ET Q q 0 0 0 rg BT 453.53 479.10 Td (e ) Tj ET Q q 0 0 0 rg BT 460.66 479.10 Td (discontinued ) Tj ET Q q 0 0 0 rg BT 514.45 479.10 Td (of) Tj ET Q q 0 0 0 rg BT 522.60 479.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 549.17 479.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 467.10 Td (18-month ) Tj ET Q q 0 0 0 rg BT 90.89 467.10 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 136.15 467.10 Td (option ) Tj ET Q q 0 0 0 rg BT 164.21 467.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 196.13 467.10 Td (program ) Tj ET Q q 0 0 0 rg BT 232.51 467.10 Td (after ) Tj ET Q q 0 0 0 rg BT 253.32 467.10 Td (January ) Tj ET Q q 0 0 0 rg BT 286.92 467.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 301.92 467.10 Td (2018. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 449.10 Td (No) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.72 449.10 Td (-interest ) Tj ET Q q 0 0 0 rg BT 96.16 449.10 Td (option ) Tj ET Q q 0 0 0 rg BT 123.39 449.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 154.48 449.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 193.92 449.10 Td (with ) Tj ET Q q 0 0 0 rg BT 213.37 449.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 237.26 449.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 266.69 449.10 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.58 449.10 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.58 449.10 Td ( ) Tj ET Q q 0 0 0 rg BT 297.25 449.10 Td (months ) Tj ET Q q 0 0 0 rg BT 328.37 449.10 Td (are ) Tj ET Q q 0 0 0 rg BT 342.25 449.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 387.25 449.10 Td (to ) Tj ET Q q 0 0 0 rg BT 396.70 449.10 Td (their ) Tj ET Q q 0 0 0 rg BT 416.70 449.10 Td (present ) Tj ET Q q 0 0 0 rg BT 447.25 449.10 Td (value ) Tj ET Q q 0 0 0 rg BT 470.57 449.10 Td (at ) Tj ET Q q 0 0 0 rg BT 479.46 449.10 Td (origination, ) Tj ET Q q 0 0 0 rg BT 527.52 449.10 Td (resulting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 437.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.13 437.10 Td (a ) Tj ET Q q 0 0 0 rg BT 67.42 437.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 108.04 437.10 Td (in ) Tj ET Q q 0 0 0 rg BT 118.67 437.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 140.96 437.10 Td (and ) Tj ET Q q 0 0 0 rg BT 158.25 437.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 197.76 437.10 Td (receivables, ) Tj ET Q q 0 0 0 rg BT 248.09 437.10 Td (and ) Tj ET Q q 0 0 0 rg BT 265.38 437.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.45 437.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 317.19 437.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 350.04 437.10 Td (is ) Tj ET Q q 0 0 0 rg BT 359.56 437.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 402.39 437.10 Td (into ) Tj ET Q q 0 0 0 rg BT 420.80 437.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 453.08 437.10 Td (char) Tj ET Q q 0 0 0 rg BT 470.10 437.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 486.29 437.10 Td (and ) Tj ET Q q 0 0 0 rg BT 503.58 437.10 Td (other ) Tj ET Q q 0 0 0 rg BT 526.98 437.10 Td (revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 425.10 Td (over ) Tj ET Q q 0 0 0 rg BT 69.77 425.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.49 425.10 Td (term ) Tj ET Q q 0 0 0 rg BT 105.31 425.10 Td (of ) Tj ET Q q 0 0 0 rg BT 116.14 425.10 Td (the ) Tj ET Q q 0 0 0 rg BT 130.86 425.10 Td (contract.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 407.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 407.10 Td (e ) Tj ET Q q 0 0 0 rg BT 64.83 407.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 105.95 407.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 137.63 407.10 Td (income ) Tj ET Q q 0 0 0 rg BT 169.32 407.10 Td (on ) Tj ET Q q 0 0 0 rg BT 181.41 407.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 203.66 407.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 240.90 407.10 Td (using ) Tj ET Q q 0 0 0 rg BT 264.83 407.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.30 407.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 310.98 407.10 Td (income ) Tj ET Q q 0 0 0 rg BT 342.67 407.10 Td (method, ) Tj ET Q q 0 0 0 rg BT 377.42 407.10 Td (which ) Tj ET Q q 0 0 0 rg BT 404.11 407.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 438.57 407.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 477.48 407.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 509.17 407.10 Td (income ) Tj ET Q q 0 0 0 rg BT 540.85 407.10 Td (equal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 395.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.61 395.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.15 395.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 109.24 395.10 Td (in ) Tj ET Q q 0 0 0 rg BT 119.34 395.10 Td (the ) Tj ET Q q 0 0 0 rg BT 133.89 395.10 Td (net ) Tj ET Q q 0 0 0 rg BT 148.44 395.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 184.08 395.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 216.40 395.10 Td (of ) Tj ET Q q 0 0 0 rg BT 227.06 395.10 Td (the ) Tj ET Q q 0 0 0 rg BT 241.61 395.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 261.16 395.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 309.02 395.10 Td (to ) Tj ET Q q 0 0 0 rg BT 319.13 395.10 Td (the ) Tj ET Q q 0 0 0 rg BT 333.67 395.10 Td (passage ) Tj ET Q q 0 0 0 rg BT 367.10 395.10 Td (of ) Tj ET Q q 0 0 0 rg BT 377.76 395.10 Td (time. ) Tj ET Q q 0 0 0 rg BT 400.36 395.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 422.69 395.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 460.56 395.10 Td (and ) Tj ET Q q 0 0 0 rg BT 477.33 395.10 Td (other ) Tj ET Q q 0 0 0 rg BT 500.20 395.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 550.31 395.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 383.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 81.43 383.10 Td (to ) Tj ET Q q 0 0 0 rg BT 91.71 383.10 Td (the ) Tj ET Q q 0 0 0 rg BT 106.43 383.10 Td (net ) Tj ET Q q 0 0 0 rg BT 121.15 383.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 156.96 383.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 189.46 383.10 Td (such ) Tj ET Q q 0 0 0 rg BT 210.29 383.10 Td (that ) Tj ET Q q 0 0 0 rg BT 227.78 383.10 Td (it ) Tj ET Q q 0 0 0 rg BT 235.84 383.10 Td (equals ) Tj ET Q q 0 0 0 rg BT 263.88 383.10 Td (the ) Tj ET Q q 0 0 0 rg BT 278.60 383.10 Td (present ) Tj ET Q q 0 0 0 rg BT 309.98 383.10 Td (value ) Tj ET Q q 0 0 0 rg BT 334.13 383.10 Td (of ) Tj ET Q q 0 0 0 rg BT 344.96 383.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 383.00 383.10 Td (future ) Tj ET Q q 0 0 0 rg BT 409.37 383.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 429.64 383.10 Td (flows.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 365.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 365.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.67 365.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 103.76 365.10 Td (only ) Tj ET Q q 0 0 0 rg BT 124.63 365.10 Td (place ) Tj ET Q q 0 0 0 rg BT 148.82 365.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 186.90 365.10 Td (in ) Tj ET Q q 0 0 0 rg BT 197.77 365.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 248.06 365.10 Td (status ) Tj ET Q q 0 0 0 rg BT 273.93 365.10 Td (when ) Tj ET Q q 0 0 0 rg BT 298.69 365.10 Td (legally ) Tj ET Q q 0 0 0 rg BT 328.99 365.10 Td (required. ) Tj ET Q q 0 0 0 rg BT 367.90 365.10 Td (Payments ) Tj ET Q q 0 0 0 rg BT 409.88 365.10 Td (received ) Tj ET Q q 0 0 0 rg BT 446.84 365.10 Td (on ) Tj ET Q q 0 0 0 rg BT 459.94 365.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 510.22 365.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 534.43 365.10 Td (will ) Tj ET Q q 0 0 0 rg BT 553.08 365.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 353.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 81.03 353.10 Td (to ) Tj ET Q q 0 0 0 rg BT 90.90 353.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 128.54 353.10 Td (and ) Tj ET Q q 0 0 0 rg BT 145.07 353.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 173.81 353.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.12 353.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 220.21 353.10 Td (of ) Tj ET Q q 0 0 0 rg BT 230.63 353.10 Td (the ) Tj ET Q q 0 0 0 rg BT 244.94 353.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 266.29 353.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.38 353.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 326.57 353.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.57 353.10 Td ( ) Tj ET Q q 0 0 0 rg BT 348.67 353.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.20 353.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.20 353.10 Td (, ) Tj ET Q q 0 0 0 rg BT 389.79 353.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 428.54 353.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 475.61 353.10 Td (carried ) Tj ET Q q 0 0 0 rg BT 505.46 353.10 Td (in ) Tj ET Q q 0 0 0 rg BT 515.33 353.10 Td (non-accrual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 341.10 Td (status ) Tj ET Q q 0 0 0 rg BT 74.48 341.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.10 341.10 Td ($16.9 ) Tj ET Q q 0 0 0 rg BT 120.80 341.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.69 341.10 Td ( ) Tj ET Q q 0 0 0 rg BT 151.89 341.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.53 341.10 Td ($22.9 ) Tj ET Q q 0 0 0 rg BT 193.23 341.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.12 341.10 Td (, ) Tj ET Q q 0 0 0 rg BT 226.82 341.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 274.48 341.10 Td (. ) Tj ET Q q 0 0 0 rg BT 279.18 341.10 Td ( ) Tj ET Q q 0 0 0 rg BT 280.89 341.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.09 341.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 341.39 341.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.39 341.10 Td ( ) Tj ET Q q 0 0 0 rg BT 363.59 341.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.23 341.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.23 341.10 Td (, ) Tj ET Q q 0 0 0 rg BT 404.92 341.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 443.78 341.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 490.95 341.10 Td (that ) Tj ET Q q 0 0 0 rg BT 508.14 341.10 Td (were ) Tj ET Q q 0 0 0 rg BT 529.77 341.10 Td (past ) Tj ET Q q 0 0 0 rg BT 548.08 341.10 Td (due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 329.10 Td (90 ) Tj ET Q q 0 0 0 rg BT 61.30 329.10 Td (days ) Tj ET Q q 0 0 0 rg BT 81.43 329.10 Td (or ) Tj ET Q q 0 0 0 rg BT 91.56 329.10 Td (more ) Tj ET Q q 0 0 0 rg BT 113.90 329.10 Td (and ) Tj ET Q q 0 0 0 rg BT 130.14 329.10 Td (still ) Tj ET Q q 0 0 0 rg BT 146.94 329.10 Td (accruing ) Tj ET Q q 0 0 0 rg BT 183.16 329.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 214.39 329.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.40 329.10 Td ($109.7 ) Tj ET Q q 0 0 0 rg BT 272.70 329.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.59 329.10 Td ( ) Tj ET Q q 0 0 0 rg BT 303.39 329.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.63 329.10 Td ($124.0 ) Tj ET Q q 0 0 0 rg BT 348.93 329.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.82 329.10 Td (, ) Tj ET Q q 0 0 0 rg BT 382.12 329.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 429.78 329.10 Td (. ) Tj ET Q q 0 0 0 rg BT 433.68 329.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.48 329.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 493.38 329.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.38 329.10 Td ( ) Tj ET Q q 0 0 0 rg BT 515.17 329.10 Td (and ) Tj ET Q q 0 0 0 rg BT 531.41 329.10 Td (January ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 317.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 65.34 317.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 91.17 317.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 131.16 317.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 179.47 317.10 Td (in ) Tj ET Q q 0 0 0 rg BT 190.59 317.10 Td (a ) Tj ET Q q 0 0 0 rg BT 198.36 317.10 Td (bankruptcy ) Tj ET Q q 0 0 0 rg BT 246.68 317.10 Td (status ) Tj ET Q q 0 0 0 rg BT 272.80 317.10 Td (that ) Tj ET Q q 0 0 0 rg BT 291.13 317.10 Td (are ) Tj ET Q q 0 0 0 rg BT 306.67 317.10 Td (less ) Tj ET Q q 0 0 0 rg BT 325.01 317.10 Td (than ) Tj ET Q q 0 0 0 rg BT 345.56 317.10 Td (60 ) Tj ET Q q 0 0 0 rg BT 358.90 317.10 Td (days ) Tj ET Q q 0 0 0 rg BT 380.57 317.10 Td (past ) Tj ET Q q 0 0 0 rg BT 400.01 317.10 Td (due ) Tj ET Q q 0 0 0 rg BT 417.79 317.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.45 317.10 Td ($14.5 ) Tj ET Q q 0 0 0 rg BT 455.29 317.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.18 317.10 Td ( ) Tj ET Q q 0 0 0 rg BT 487.52 317.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.29 317.10 Td ($19.5 ) Tj ET Q q 0 0 0 rg BT 531.13 317.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 560.02 317.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 305.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.16 305.10 Td (, ) Tj ET Q q 0 0 0 rg BT 102.16 305.10 Td (are ) Tj ET Q q 0 0 0 rg BT 116.87 305.10 Td (included ) Tj ET Q q 0 0 0 rg BT 153.80 305.10 Td (within ) Tj ET Q q 0 0 0 rg BT 181.86 305.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.58 305.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 235.73 305.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 283.20 305.10 Td (carried ) Tj ET Q q 0 0 0 rg BT 313.46 305.10 Td (in ) Tj ET Q q 0 0 0 rg BT 323.73 305.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 373.43 305.10 Td (status ) Tj ET Q q 0 0 0 rg BT 398.70 305.10 Td (balance.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 287.10 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 95.12 287.10 Td (for ) Tj ET Q q 0 0 0 rg BT 109.62 287.10 Td (Doubtful ) Tj ET Q q 0 0 0 rg BT 148.79 287.10 Td (Accounts.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.63 287.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.75 287.10 Td (The ) Tj ET Q q 0 0 0 rg BT 209.57 287.10 Td (determination ) Tj ET Q q 0 0 0 rg BT 267.39 287.10 Td (of ) Tj ET Q q 0 0 0 rg BT 278.00 287.10 Td (the ) Tj ET Q q 0 0 0 rg BT 292.50 287.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 324.77 287.10 Td (of ) Tj ET Q q 0 0 0 rg BT 335.38 287.10 Td (the ) Tj ET Q q 0 0 0 rg BT 349.88 287.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 392.69 287.10 Td (for ) Tj ET Q q 0 0 0 rg BT 406.63 287.10 Td (bad ) Tj ET Q q 0 0 0 rg BT 423.35 287.10 Td (debts ) Tj ET Q q 0 0 0 rg BT 446.74 287.10 Td (is, ) Tj ET Q q 0 0 0 rg BT 458.19 287.10 Td (by ) Tj ET Q q 0 0 0 rg BT 470.47 287.10 Td (nature, ) Tj ET Q q 0 0 0 rg BT 500.24 287.10 Td (highly ) Tj ET Q q 0 0 0 rg BT 528.07 287.10 Td (complex ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 275.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.56 275.10 Td (subjective. ) Tj ET Q q 0 0 0 rg BT 112.23 275.10 Td ( ) Tj ET Q q 0 0 0 rg BT 114.86 275.10 Td (Future ) Tj ET Q q 0 0 0 rg BT 143.59 275.10 Td (events ) Tj ET Q q 0 0 0 rg BT 171.77 275.10 Td (that ) Tj ET Q q 0 0 0 rg BT 189.39 275.10 Td (are ) Tj ET Q q 0 0 0 rg BT 204.22 275.10 Td (inherently ) Tj ET Q q 0 0 0 rg BT 247.39 275.10 Td (uncertain ) Tj ET Q q 0 0 0 rg BT 287.22 275.10 Td (could ) Tj ET Q q 0 0 0 rg BT 312.06 275.10 Td (result ) Tj ET Q q 0 0 0 rg BT 336.90 275.10 Td (in ) Tj ET Q q 0 0 0 rg BT 347.31 275.10 Td (material ) Tj ET Q q 0 0 0 rg BT 382.69 275.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 417.52 275.10 Td (to ) Tj ET Q q 0 0 0 rg BT 427.93 275.10 Td (the ) Tj ET Q q 0 0 0 rg BT 442.77 275.10 Td (level ) Tj ET Q q 0 0 0 rg BT 464.83 275.10 Td (of ) Tj ET Q q 0 0 0 rg BT 475.79 275.10 Td (the ) Tj ET Q q 0 0 0 rg BT 490.63 275.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 533.79 275.10 Td (for ) Tj ET Q q 0 0 0 rg BT 548.07 275.10 Td (bad ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 263.10 Td (debts. ) Tj ET Q q 0 0 0 rg BT 75.47 263.10 Td ( ) Tj ET Q q 0 0 0 rg BT 77.82 263.10 Td (General ) Tj ET Q q 0 0 0 rg BT 111.83 263.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 153.06 263.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 199.58 263.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 234.14 263.10 Td (to ) Tj ET Q q 0 0 0 rg BT 244.28 263.10 Td (state ) Tj ET Q q 0 0 0 rg BT 264.96 263.10 Td (or ) Tj ET Q q 0 0 0 rg BT 275.65 263.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 305.76 263.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 352.55 263.10 Td (and ) Tj ET Q q 0 0 0 rg BT 369.35 263.10 Td (a ) Tj ET Q q 0 0 0 rg BT 376.14 263.10 Td (variety ) Tj ET Q q 0 0 0 rg BT 406.26 263.10 Td (of ) Tj ET Q q 0 0 0 rg BT 416.95 263.10 Td (other ) Tj ET Q q 0 0 0 rg BT 439.86 263.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 469.42 263.10 Td (that ) Tj ET Q q 0 0 0 rg BT 486.77 263.10 Td (af) Tj ET Q q 0 0 0 rg BT 494.36 263.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 511.70 263.10 Td (the ) Tj ET Q q 0 0 0 rg BT 526.28 263.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 554.19 263.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 251.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 92.54 251.10 Td (to ) Tj ET Q q 0 0 0 rg BT 102.82 251.10 Td (service ) Tj ET Q q 0 0 0 rg BT 133.64 251.10 Td (their ) Tj ET Q q 0 0 0 rg BT 154.46 251.10 Td (debts ) Tj ET Q q 0 0 0 rg BT 178.07 251.10 Td (or ) Tj ET Q q 0 0 0 rg BT 188.90 251.10 Td (our ) Tj ET Q q 0 0 0 rg BT 204.73 251.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 232.78 251.10 Td (to ) Tj ET Q q 0 0 0 rg BT 243.06 251.10 Td (collect ) Tj ET Q q 0 0 0 rg BT 272.21 251.10 Td (will ) Tj ET Q q 0 0 0 rg BT 290.27 251.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 319.98 251.10 Td (the ) Tj ET Q q 0 0 0 rg BT 334.70 251.10 Td (future ) Tj ET Q q 0 0 0 rg BT 361.07 251.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 414.09 251.10 Td (of ) Tj ET Q q 0 0 0 rg BT 424.92 251.10 Td (the ) Tj ET Q q 0 0 0 rg BT 439.64 251.10 Td (portfolio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.64 251.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 233.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 233.10 Td (e ) Tj ET Q q 0 0 0 rg BT 64.49 233.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 101.40 233.10 Td (an ) Tj ET Q q 0 0 0 rg BT 112.76 233.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 155.20 233.10 Td (for ) Tj ET Q q 0 0 0 rg BT 168.78 233.10 Td (doubtful ) Tj ET Q q 0 0 0 rg BT 204.58 233.10 Td (accounts, ) Tj ET Q q 0 0 0 rg BT 243.98 233.10 Td (including ) Tj ET Q q 0 0 0 rg BT 283.67 233.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 323.91 233.10 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 377.47 233.10 Td (interest, ) Tj ET Q q 0 0 0 rg BT 411.32 233.10 Td (to ) Tj ET Q q 0 0 0 rg BT 421.01 233.10 Td (cover ) Tj ET Q q 0 0 0 rg BT 445.13 233.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 482.04 233.10 Td (and ) Tj ET Q q 0 0 0 rg BT 498.39 233.10 Td (estimable ) Tj ET Q q 0 0 0 rg BT 538.63 233.10 Td (losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 221.10 Td (on ) Tj ET Q q 0 0 0 rg BT 61.36 221.10 Td (our ) Tj ET Q q 0 0 0 rg BT 76.55 221.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 115.06 221.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 151.91 221.10 Td (receivable ) Tj ET Q q 0 0 0 rg BT 194.85 221.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 231.70 221.10 Td (from ) Tj ET Q q 0 0 0 rg BT 253.00 221.10 Td (the ) Tj ET Q q 0 0 0 rg BT 267.08 221.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 295.03 221.10 Td (of ) Tj ET Q q 0 0 0 rg BT 305.22 221.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 347.62 221.10 Td (to ) Tj ET Q q 0 0 0 rg BT 357.26 221.10 Td (make ) Tj ET Q q 0 0 0 rg BT 380.78 221.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 427.05 221.10 Td (payments. ) Tj ET Q q 0 0 0 rg BT 469.74 221.10 Td ( ) Tj ET Q q 0 0 0 rg BT 471.60 221.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 489.01 221.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 527.52 221.10 Td (portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 209.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 82.47 209.10 Td (consists ) Tj ET Q q 0 0 0 rg BT 116.58 209.10 Td (of ) Tj ET Q q 0 0 0 rg BT 127.35 209.10 Td (a ) Tj ET Q q 0 0 0 rg BT 134.22 209.10 Td (lar) Tj ET Q q 0 0 0 rg BT 144.59 209.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 156.47 209.10 Td (number ) Tj ET Q q 0 0 0 rg BT 189.45 209.10 Td (of ) Tj ET Q q 0 0 0 rg BT 200.22 209.10 Td (relatively ) Tj ET Q q 0 0 0 rg BT 240.42 209.10 Td (small, ) Tj ET Q q 0 0 0 rg BT 267.02 209.10 Td (homogeneous ) Tj ET Q q 0 0 0 rg BT 325.00 209.10 Td (accounts. ) Tj ET Q q 0 0 0 rg BT 364.93 209.10 Td (None ) Tj ET Q q 0 0 0 rg BT 389.02 209.10 Td (of ) Tj ET Q q 0 0 0 rg BT 399.79 209.10 Td (our ) Tj ET Q q 0 0 0 rg BT 415.56 209.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 452.98 209.10 Td (are ) Tj ET Q q 0 0 0 rg BT 467.63 209.10 Td (lar) Tj ET Q q 0 0 0 rg BT 478.00 209.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 489.87 209.10 Td (enough ) Tj ET Q q 0 0 0 rg BT 521.75 209.10 Td (to ) Tj ET Q q 0 0 0 rg BT 531.96 209.10 Td (warrant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 197.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 92.55 197.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 136.70 197.10 Td (for ) Tj ET Q q 0 0 0 rg BT 150.86 197.10 Td (impairment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.46 197.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 179.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 179.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.35 179.10 Td (record ) Tj ET Q q 0 0 0 rg BT 93.66 179.10 Td (an ) Tj ET Q q 0 0 0 rg BT 105.88 179.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 149.18 179.10 Td (for ) Tj ET Q q 0 0 0 rg BT 163.62 179.10 Td (doubtful ) Tj ET Q q 0 0 0 rg BT 200.28 179.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 238.04 179.10 Td (on ) Tj ET Q q 0 0 0 rg BT 250.82 179.10 Td (our ) Tj ET Q q 0 0 0 rg BT 266.92 179.10 Td (non-TDR ) Tj ET Q q 0 0 0 rg BT 308.03 179.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 347.46 179.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 385.22 179.10 Td (receivable ) Tj ET Q q 0 0 0 rg BT 429.07 179.10 Td (that ) Tj ET Q q 0 0 0 rg BT 446.84 179.10 Td (we ) Tj ET Q q 0 0 0 rg BT 461.27 179.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 490.14 179.10 Td (to ) Tj ET Q q 0 0 0 rg BT 500.70 179.10 Td (char) Tj ET Q q 0 0 0 rg BT 517.72 179.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 538.64 179.10 Td (f ) Tj ET Q q 0 0 0 rg BT 544.75 179.10 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 167.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.11 167.10 Td (next ) Tj ET Q q 0 0 0 rg BT 83.73 167.10 Td (12 ) Tj ET Q q 0 0 0 rg BT 96.12 167.10 Td (months ) Tj ET Q q 0 0 0 rg BT 127.97 167.10 Td (based ) Tj ET Q q 0 0 0 rg BT 153.13 167.10 Td (on ) Tj ET Q q 0 0 0 rg BT 165.53 167.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 205.14 167.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 228.65 167.10 Td (char) Tj ET Q q 0 0 0 rg BT 245.67 167.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 266.59 167.10 Td (f ) Tj ET Q q 0 0 0 rg BT 272.32 167.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 293.59 167.10 Td (over ) Tj ET Q q 0 0 0 rg BT 313.76 167.10 Td (the ) Tj ET Q q 0 0 0 rg BT 328.37 167.10 Td (last ) Tj ET Q q 0 0 0 rg BT 344.65 167.10 Td (24 ) Tj ET Q q 0 0 0 rg BT 357.05 167.10 Td (months. ) Tj ET Q q 0 0 0 rg BT 391.39 167.10 Td ( ) Tj ET Q q 0 0 0 rg BT 393.62 167.10 Td (W) Tj ET Q q 0 0 0 rg BT 402.26 167.10 Td (e ) Tj ET Q q 0 0 0 rg BT 409.09 167.10 Td (incorporate ) Tj ET Q q 0 0 0 rg BT 457.02 167.10 Td (an ) Tj ET Q q 0 0 0 rg BT 468.85 167.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 515.13 167.10 Td (to ) Tj ET Q q 0 0 0 rg BT 525.31 167.10 Td (historical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 155.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 73.62 155.10 Td (char) Tj ET Q q 0 0 0 rg BT 90.65 155.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 111.56 155.10 Td (f ) Tj ET Q q 0 0 0 rg BT 117.90 155.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 139.78 155.10 Td (for ) Tj ET Q q 0 0 0 rg BT 154.45 155.10 Td (a ) Tj ET Q q 0 0 0 rg BT 161.89 155.10 Td (scaled ) Tj ET Q q 0 0 0 rg BT 189.88 155.10 Td (factor ) Tj ET Q q 0 0 0 rg BT 216.20 155.10 Td (of ) Tj ET Q q 0 0 0 rg BT 227.54 155.10 Td (the ) Tj ET Q q 0 0 0 rg BT 242.76 155.10 Td (year) Tj ET Q q 0 0 0 rg BT 259.77 155.10 Td (-over) Tj ET Q q 0 0 0 rg BT 280.66 155.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 304.21 155.10 Td (change ) Tj ET Q q 0 0 0 rg BT 335.53 155.10 Td (in ) Tj ET Q q 0 0 0 rg BT 346.31 155.10 Td (six ) Tj ET Q q 0 0 0 rg BT 360.99 155.10 Td (month ) Tj ET Q q 0 0 0 rg BT 389.55 155.10 Td (average ) Tj ET Q q 0 0 0 rg BT 423.64 155.10 Td (first ) Tj ET Q q 0 0 0 rg BT 442.75 155.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 480.19 155.10 Td (default ) Tj ET Q q 0 0 0 rg BT 510.96 155.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 532.84 155.10 Td (and ) Tj ET Q q 0 0 0 rg BT 550.29 155.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 143.10 Td (year) Tj ET Q q 0 0 0 rg BT 66.51 143.10 Td (-over) Tj ET Q q 0 0 0 rg BT 87.41 143.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 110.57 143.10 Td (change ) Tj ET Q q 0 0 0 rg BT 141.51 143.10 Td (in ) Tj ET Q q 0 0 0 rg BT 151.91 143.10 Td (the ) Tj ET Q q 0 0 0 rg BT 166.76 143.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 199.92 143.10 Td (of ) Tj ET Q q 0 0 0 rg BT 210.87 143.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 250.15 143.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 287.76 143.10 Td (receivable ) Tj ET Q q 0 0 0 rg BT 331.47 143.10 Td (that ) Tj ET Q q 0 0 0 rg BT 349.09 143.10 Td (are ) Tj ET Q q 0 0 0 rg BT 363.92 143.10 Td (60 ) Tj ET Q q 0 0 0 rg BT 376.55 143.10 Td (days ) Tj ET Q q 0 0 0 rg BT 397.50 143.10 Td (or ) Tj ET Q q 0 0 0 rg BT 408.46 143.10 Td (more ) Tj ET Q q 0 0 0 rg BT 431.63 143.10 Td (past ) Tj ET Q q 0 0 0 rg BT 450.37 143.10 Td (due. ) Tj ET Q q 0 0 0 rg BT 472.43 143.10 Td (In ) Tj ET Q q 0 0 0 rg BT 483.39 143.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 518.79 143.10 Td (to ) Tj ET Q q 0 0 0 rg BT 529.19 143.10 Td (adjusted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 131.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 88.12 131.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 110.65 131.10 Td (char) Tj ET Q q 0 0 0 rg BT 127.67 131.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 148.59 131.10 Td (f ) Tj ET Q q 0 0 0 rg BT 153.33 131.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 176.12 131.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 214.74 131.10 Td (of ) Tj ET Q q 0 0 0 rg BT 224.49 131.10 Td (post-char) Tj ET Q q 0 0 0 rg BT 261.51 131.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 282.43 131.10 Td (f ) Tj ET Q q 0 0 0 rg BT 287.17 131.10 Td (recoveries, ) Tj ET Q q 0 0 0 rg BT 332.17 131.10 Td (including ) Tj ET Q q 0 0 0 rg BT 371.35 131.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 390.53 131.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 430.27 131.10 Td (from ) Tj ET Q q 0 0 0 rg BT 451.12 131.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 495.57 131.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 530.87 131.10 Td (realized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 119.10 Td (from ) Tj ET Q q 0 0 0 rg BT 71.15 119.10 Td (the ) Tj ET Q q 0 0 0 rg BT 85.58 119.10 Td (repossession ) Tj ET Q q 0 0 0 rg BT 138.35 119.10 Td (of ) Tj ET Q q 0 0 0 rg BT 148.89 119.10 Td (the ) Tj ET Q q 0 0 0 rg BT 163.32 119.10 Td (products ) Tj ET Q q 0 0 0 rg BT 199.97 119.10 Td (financed, ) Tj ET Q q 0 0 0 rg BT 239.11 119.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 260.76 119.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 275.19 119.10 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 318.49 119.10 Td (from ) Tj ET Q q 0 0 0 rg BT 340.14 119.10 Td (taxing ) Tj ET Q q 0 0 0 rg BT 367.35 119.10 Td (jurisdictions, ) Tj ET Q q 0 0 0 rg BT 421.51 119.10 Td (and ) Tj ET Q q 0 0 0 rg BT 438.16 119.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 478.70 119.10 Td (received ) Tj ET Q q 0 0 0 rg BT 514.77 119.10 Td (under ) Tj ET Q q 0 0 0 rg BT 539.75 119.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 107.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 90.32 107.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 123.92 107.10 Td (are ) Tj ET Q q 0 0 0 rg BT 138.63 107.10 Td (also ) Tj ET Q q 0 0 0 rg BT 157.23 107.10 Td (considered. ) Tj ET Q q 0 0 0 rg BT 208.05 107.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.55 107.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 89.10 Td (Qualitative ) Tj ET Q q 0 0 0 rg BT 96.88 89.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 147.61 89.10 Td (are ) Tj ET Q q 0 0 0 rg BT 162.77 89.10 Td (made ) Tj ET Q q 0 0 0 rg BT 187.38 89.10 Td (to ) Tj ET Q q 0 0 0 rg BT 198.11 89.10 Td (the ) Tj ET Q q 0 0 0 rg BT 213.28 89.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 256.77 89.10 Td (for ) Tj ET Q q 0 0 0 rg BT 271.38 89.10 Td (bad ) Tj ET Q q 0 0 0 rg BT 288.78 89.10 Td (debts ) Tj ET Q q 0 0 0 rg BT 312.84 89.10 Td (when, ) Tj ET Q q 0 0 0 rg BT 339.95 89.10 Td (based ) Tj ET Q q 0 0 0 rg BT 365.68 89.10 Td (on ) Tj ET Q q 0 0 0 rg BT 378.63 89.10 Td (management) Tj ET Q q 0 0 0 rg BT 432.50 89.10 Td (s ) Tj ET Q q 0 0 0 rg BT 439.34 89.10 Td (judgment, ) Tj ET Q q 0 0 0 rg BT 482.57 89.10 Td (there ) Tj ET Q q 0 0 0 rg BT 505.51 89.10 Td (are ) Tj ET Q q 0 0 0 rg BT 520.67 89.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 554.17 89.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 77.10 Td (external ) Tj ET Q q 0 0 0 rg BT 85.13 77.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 115.76 77.10 Td (impacting ) Tj ET Q q 0 0 0 rg BT 159.18 77.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 197.59 77.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 234.33 77.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 261.64 77.10 Td (not ) Tj ET Q q 0 0 0 rg BT 277.85 77.10 Td (taken ) Tj ET Q q 0 0 0 rg BT 302.93 77.10 Td (into ) Tj ET Q q 0 0 0 rg BT 321.91 77.10 Td (account ) Tj ET Q q 0 0 0 rg BT 356.43 77.10 Td (by ) Tj ET Q q 0 0 0 rg BT 369.85 77.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.50 77.10 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 436.13 77.10 Td (calculations. ) Tj ET Q q 0 0 0 rg BT 489.81 77.10 Td ( ) Tj ET Q q 0 0 0 rg BT 492.99 77.10 Td (These ) Tj ET Q q 0 0 0 rg BT 520.29 77.10 Td (qualitative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 65.10 Td (considerations ) Tj ET Q q 0 0 0 rg BT 109.62 65.10 Td (are ) Tj ET Q q 0 0 0 rg BT 124.19 65.10 Td (based ) Tj ET Q q 0 0 0 rg BT 149.31 65.10 Td (on ) Tj ET Q q 0 0 0 rg BT 161.67 65.10 Td (the ) Tj ET Q q 0 0 0 rg BT 176.25 65.10 Td (following ) Tj ET Q q 0 0 0 rg BT 217.49 65.10 Td (factors: ) Tj ET Q q 0 0 0 rg BT 249.84 65.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 284.40 65.10 Td (in ) Tj ET Q q 0 0 0 rg BT 294.54 65.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 326.89 65.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 360.35 65.10 Td (and ) Tj ET Q q 0 0 0 rg BT 377.15 65.10 Td (procedures, ) Tj ET Q q 0 0 0 rg BT 425.88 65.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 460.44 65.10 Td (in ) Tj ET Q q 0 0 0 rg BT 470.58 65.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 511.81 65.10 Td (and ) Tj ET Q q 0 0 0 rg BT 528.61 65.10 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 53.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 95.78 53.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 130.11 53.10 Td (in ) Tj ET Q q 0 0 0 rg BT 140.01 53.10 Td (the ) Tj ET Q q 0 0 0 rg BT 154.34 53.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 181.45 53.10 Td (and ) Tj ET Q q 0 0 0 rg BT 198.01 53.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 230.12 53.10 Td (of ) Tj ET Q q 0 0 0 rg BT 240.57 53.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.91 53.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 294.52 53.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 328.85 53.10 Td (in ) Tj ET Q q 0 0 0 rg BT 338.74 53.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 370.86 53.10 Td (management, ) Tj ET Q q 0 0 0 rg BT 426.57 53.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 460.89 53.10 Td (in ) Tj ET Q q 0 0 0 rg BT 470.79 53.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 495.67 53.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 525.56 53.10 Td (statistics, ) Tj ET Q endstream endobj 135 0 obj <>] /Rotate 0 /Contents 136 0 R>> endobj 136 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (66) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 731.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 84.19 731.10 Td (in ) Tj ET Q q 0 0 0 rg BT 94.46 731.10 Td (concentrations ) Tj ET Q q 0 0 0 rg BT 155.26 731.10 Td (of ) Tj ET Q q 0 0 0 rg BT 166.07 731.10 Td (credit, ) Tj ET Q q 0 0 0 rg BT 193.82 731.10 Td (and ) Tj ET Q q 0 0 0 rg BT 210.75 731.10 Td (other ) Tj ET Q q 0 0 0 rg BT 233.78 731.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 266.81 731.10 Td (or ) Tj ET Q q 0 0 0 rg BT 277.63 731.10 Td (external ) Tj ET Q q 0 0 0 rg BT 312.32 731.10 Td (factor ) Tj ET Q q 0 0 0 rg BT 338.12 731.10 Td (changes. ) Tj ET Q q 0 0 0 rg BT 375.31 731.10 Td ( ) Tj ET Q q 0 0 0 rg BT 377.62 731.10 Td (W) Tj ET Q q 0 0 0 rg BT 386.26 731.10 Td (e ) Tj ET Q q 0 0 0 rg BT 393.18 731.10 Td (utilize ) Tj ET Q q 0 0 0 rg BT 420.66 731.10 Td (an ) Tj ET Q q 0 0 0 rg BT 432.59 731.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 473.94 731.10 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 518.64 731.10 Td (adjustment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 719.10 Td (based ) Tj ET Q q 0 0 0 rg BT 74.60 719.10 Td (on ) Tj ET Q q 0 0 0 rg BT 86.92 719.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 121.46 719.10 Td (in ) Tj ET Q q 0 0 0 rg BT 131.56 719.10 Td (unemployment ) Tj ET Q q 0 0 0 rg BT 193.88 719.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 215.08 719.10 Td (if ) Tj ET Q q 0 0 0 rg BT 223.52 719.10 Td (current ) Tj ET Q q 0 0 0 rg BT 254.16 719.10 Td (unemployment ) Tj ET Q q 0 0 0 rg BT 316.48 719.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 337.68 719.10 Td (in ) Tj ET Q q 0 0 0 rg BT 347.78 719.10 Td (our ) Tj ET Q q 0 0 0 rg BT 363.44 719.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 397.42 719.10 Td (are ) Tj ET Q q 0 0 0 rg BT 411.96 719.10 Td (worse ) Tj ET Q q 0 0 0 rg BT 438.16 719.10 Td (than ) Tj ET Q q 0 0 0 rg BT 457.71 719.10 Td (they ) Tj ET Q q 0 0 0 rg BT 477.25 719.10 Td (were ) Tj ET Q q 0 0 0 rg BT 499.01 719.10 Td (on ) Tj ET Q q 0 0 0 rg BT 511.33 719.10 Td (average ) Tj ET Q q 0 0 0 rg BT 544.74 719.10 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 707.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.54 707.10 Td (last ) Tj ET Q q 0 0 0 rg BT 81.24 707.10 Td (24 ) Tj ET Q q 0 0 0 rg BT 94.06 707.10 Td (months. ) Tj ET Q q 0 0 0 rg BT 131.12 707.10 Td (W) Tj ET Q q 0 0 0 rg BT 139.76 707.10 Td (e ) Tj ET Q q 0 0 0 rg BT 147.02 707.10 Td (also ) Tj ET Q q 0 0 0 rg BT 165.95 707.10 Td (qualitatively ) Tj ET Q q 0 0 0 rg BT 218.75 707.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 240.46 707.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.50 707.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 285.53 707.10 Td (of ) Tj ET Q q 0 0 0 rg BT 296.68 707.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 331.70 707.10 Td (in ) Tj ET Q q 0 0 0 rg BT 342.30 707.10 Td (first ) Tj ET Q q 0 0 0 rg BT 361.23 707.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 398.48 707.10 Td (default ) Tj ET Q q 0 0 0 rg BT 429.06 707.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 450.76 707.10 Td (and ) Tj ET Q q 0 0 0 rg BT 468.01 707.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 503.04 707.10 Td (in ) Tj ET Q q 0 0 0 rg BT 513.64 707.10 Td (delinquency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 695.10 Td (when ) Tj ET Q q 0 0 0 rg BT 73.61 695.10 Td (those ) Tj ET Q q 0 0 0 rg BT 97.17 695.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 131.83 695.10 Td (result ) Tj ET Q q 0 0 0 rg BT 156.50 695.10 Td (in ) Tj ET Q q 0 0 0 rg BT 166.73 695.10 Td (a ) Tj ET Q q 0 0 0 rg BT 173.62 695.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 210.48 695.10 Td (to ) Tj ET Q q 0 0 0 rg BT 220.71 695.10 Td (the ) Tj ET Q q 0 0 0 rg BT 235.38 695.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 278.36 695.10 Td (for ) Tj ET Q q 0 0 0 rg BT 292.47 695.10 Td (bad ) Tj ET Q q 0 0 0 rg BT 309.36 695.10 Td (debts ) Tj ET Q q 0 0 0 rg BT 332.92 695.10 Td (based ) Tj ET Q q 0 0 0 rg BT 358.14 695.10 Td (on ) Tj ET Q q 0 0 0 rg BT 370.59 695.10 Td (a ) Tj ET Q q 0 0 0 rg BT 377.48 695.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 413.25 695.10 Td (of ) Tj ET Q q 0 0 0 rg BT 424.03 695.10 Td (the ) Tj ET Q q 0 0 0 rg BT 438.70 695.10 Td (dispersion ) Tj ET Q q 0 0 0 rg BT 482.26 695.10 Td (of ) Tj ET Q q 0 0 0 rg BT 493.04 695.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 532.70 695.10 Td (char) Tj ET Q q 0 0 0 rg BT 549.73 695.10 Td (ge-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 683.10 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 683.10 Td (f ) Tj ET Q q 0 0 0 rg BT 63.48 683.10 Td (rates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.36 683.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 665.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 665.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.62 665.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 108.65 665.10 Td (allowances ) Tj ET Q q 0 0 0 rg BT 156.11 665.10 Td (for ) Tj ET Q q 0 0 0 rg BT 170.82 665.10 Td (those ) Tj ET Q q 0 0 0 rg BT 194.97 665.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 233.00 665.10 Td (that ) Tj ET Q q 0 0 0 rg BT 251.04 665.10 Td (are ) Tj ET Q q 0 0 0 rg BT 266.07 665.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 289.12 665.10 Td (based ) Tj ET Q q 0 0 0 rg BT 314.93 665.10 Td (on ) Tj ET Q q 0 0 0 rg BT 327.97 665.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.23 665.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 389.60 665.10 Td (present ) Tj ET Q q 0 0 0 rg BT 421.53 665.10 Td (value ) Tj ET Q q 0 0 0 rg BT 446.23 665.10 Td (of ) Tj ET Q q 0 0 0 rg BT 457.60 665.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 478.41 665.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 503.68 665.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 542.26 665.10 Td (to ) Tj ET Q q 0 0 0 rg BT 553.08 665.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 653.10 Td (collected ) Tj ET Q q 0 0 0 rg BT 87.56 653.10 Td (over ) Tj ET Q q 0 0 0 rg BT 107.31 653.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.50 653.10 Td (life ) Tj ET Q q 0 0 0 rg BT 136.80 653.10 Td (of ) Tj ET Q q 0 0 0 rg BT 147.10 653.10 Td (those ) Tj ET Q q 0 0 0 rg BT 170.19 653.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 207.15 653.10 Td (based ) Tj ET Q q 0 0 0 rg BT 231.89 653.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 271.08 653.10 Td (on ) Tj ET Q q 0 0 0 rg BT 283.05 653.10 Td (the ) Tj ET Q q 0 0 0 rg BT 297.25 653.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 349.74 653.10 Td (of ) Tj ET Q q 0 0 0 rg BT 359.91 653.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 381.88 653.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 404.97 653.10 Td (over ) Tj ET Q q 0 0 0 rg BT 424.71 653.10 Td (the ) Tj ET Q q 0 0 0 rg BT 438.90 653.10 Td (last ) Tj ET Q q 0 0 0 rg BT 454.76 653.10 Td (24 ) Tj ET Q q 0 0 0 rg BT 466.74 653.10 Td (months. ) Tj ET Q q 0 0 0 rg BT 503.02 653.10 Td (The ) Tj ET Q q 0 0 0 rg BT 520.54 653.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 540.28 653.10 Td (flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 641.10 Td (are ) Tj ET Q q 0 0 0 rg BT 63.88 641.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 109.37 641.10 Td (based ) Tj ET Q q 0 0 0 rg BT 134.31 641.10 Td (on ) Tj ET Q q 0 0 0 rg BT 146.48 641.10 Td (the ) Tj ET Q q 0 0 0 rg BT 160.86 641.10 Td (weighted-average ) Tj ET Q q 0 0 0 rg BT 234.10 641.10 Td (ef) Tj ET Q q 0 0 0 rg BT 241.69 641.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 271.06 641.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 302.67 641.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 319.82 641.10 Td (of ) Tj ET Q q 0 0 0 rg BT 330.32 641.10 Td (the ) Tj ET Q q 0 0 0 rg BT 344.55 641.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 366.72 641.10 Td (accounts. ) Tj ET Q q 0 0 0 rg BT 406.22 641.10 Td (The ) Tj ET Q q 0 0 0 rg BT 423.93 641.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 452.20 641.10 Td (of ) Tj ET Q q 0 0 0 rg BT 462.70 641.10 Td (the ) Tj ET Q q 0 0 0 rg BT 477.09 641.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 512.57 641.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 544.74 641.10 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 629.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.22 629.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 110.04 629.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 130.31 629.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 151.14 629.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 183.64 629.10 Td (is ) Tj ET Q q 0 0 0 rg BT 192.81 629.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 230.28 629.10 Td (as ) Tj ET Q q 0 0 0 rg BT 241.11 629.10 Td (an ) Tj ET Q q 0 0 0 rg BT 253.05 629.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 296.08 629.10 Td (for ) Tj ET Q q 0 0 0 rg BT 310.24 629.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 328.30 629.10 Td (on ) Tj ET Q q 0 0 0 rg BT 340.80 629.10 Td (those ) Tj ET Q q 0 0 0 rg BT 364.41 629.10 Td (accounts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.40 629.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 611.10 Td (Inventories.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.67 611.10 Td ( ) Tj ET Q q 0 0 0 rg BT 101.57 611.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.46 611.10 Td (Inventories ) Tj ET Q q 0 0 0 rg BT 152.34 611.10 Td (consist ) Tj ET Q q 0 0 0 rg BT 183.02 611.10 Td (of ) Tj ET Q q 0 0 0 rg BT 194.24 611.10 Td (merchandise ) Tj ET Q q 0 0 0 rg BT 247.67 611.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 291.10 611.10 Td (for ) Tj ET Q q 0 0 0 rg BT 305.66 611.10 Td (resale ) Tj ET Q q 0 0 0 rg BT 331.87 611.10 Td (and ) Tj ET Q q 0 0 0 rg BT 349.20 611.10 Td (service ) Tj ET Q q 0 0 0 rg BT 380.41 611.10 Td (parts ) Tj ET Q q 0 0 0 rg BT 402.75 611.10 Td (and ) Tj ET Q q 0 0 0 rg BT 420.08 611.10 Td (are ) Tj ET Q q 0 0 0 rg BT 435.18 611.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 473.05 611.10 Td (at ) Tj ET Q q 0 0 0 rg BT 483.17 611.10 Td (the ) Tj ET Q q 0 0 0 rg BT 498.28 611.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 523.94 611.10 Td (of ) Tj ET Q q 0 0 0 rg BT 535.17 611.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 554.17 611.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 599.10 Td (market. ) Tj ET Q q 0 0 0 rg BT 82.39 599.10 Td (The ) Tj ET Q q 0 0 0 rg BT 100.77 599.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 136.92 599.10 Td (value ) Tj ET Q q 0 0 0 rg BT 161.41 599.10 Td (of ) Tj ET Q q 0 0 0 rg BT 172.57 599.10 Td (the ) Tj ET Q q 0 0 0 rg BT 187.62 599.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 228.78 599.10 Td (is ) Tj ET Q q 0 0 0 rg BT 238.29 599.10 Td (reduced ) Tj ET Q q 0 0 0 rg BT 272.77 599.10 Td (to ) Tj ET Q q 0 0 0 rg BT 283.38 599.10 Td (its ) Tj ET Q q 0 0 0 rg BT 295.66 599.10 Td (net ) Tj ET Q q 0 0 0 rg BT 310.71 599.10 Td (realizable ) Tj ET Q q 0 0 0 rg BT 352.40 599.10 Td (value ) Tj ET Q q 0 0 0 rg BT 376.89 599.10 Td (for ) Tj ET Q q 0 0 0 rg BT 391.38 599.10 Td (any ) Tj ET Q q 0 0 0 rg BT 408.65 599.10 Td (items ) Tj ET Q q 0 0 0 rg BT 433.15 599.10 Td (with ) Tj ET Q q 0 0 0 rg BT 453.76 599.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 482.70 599.10 Td (of ) Tj ET Q q 0 0 0 rg BT 493.86 599.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 530.01 599.10 Td (amount, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 587.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 86.74 587.10 Td (weighted-average ) Tj ET Q q 0 0 0 rg BT 160.06 587.10 Td (cost, ) Tj ET Q q 0 0 0 rg BT 180.91 587.10 Td (over ) Tj ET Q q 0 0 0 rg BT 200.93 587.10 Td (the ) Tj ET Q q 0 0 0 rg BT 215.40 587.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 247.64 587.10 Td (we ) Tj ET Q q 0 0 0 rg BT 261.55 587.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 289.89 587.10 Td (to ) Tj ET Q q 0 0 0 rg BT 299.92 587.10 Td (realize ) Tj ET Q q 0 0 0 rg BT 328.81 587.10 Td (from ) Tj ET Q q 0 0 0 rg BT 350.49 587.10 Td (the ) Tj ET Q q 0 0 0 rg BT 364.96 587.10 Td (ultimate ) Tj ET Q q 0 0 0 rg BT 399.98 587.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 417.77 587.10 Td (or ) Tj ET Q q 0 0 0 rg BT 428.35 587.10 Td (other ) Tj ET Q q 0 0 0 rg BT 451.15 587.10 Td (disposition ) Tj ET Q q 0 0 0 rg BT 497.29 587.10 Td (of ) Tj ET Q q 0 0 0 rg BT 507.87 587.10 Td (the ) Tj ET Q q 0 0 0 rg BT 522.33 587.10 Td (inventory) Tj ET Q q 0 0 0 rg BT 560.01 587.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 575.10 Td (with ) Tj ET Q q 0 0 0 rg BT 69.04 575.10 Td (a ) Tj ET Q q 0 0 0 rg BT 75.25 575.10 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 134.22 575.10 Td (char) Tj ET Q q 0 0 0 rg BT 151.25 575.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 162.45 575.10 Td (to ) Tj ET Q q 0 0 0 rg BT 171.99 575.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 189.87 575.10 Td (of ) Tj ET Q q 0 0 0 rg BT 199.96 575.10 Td (sales. ) Tj ET Q q 0 0 0 rg BT 223.67 575.10 Td ( ) Tj ET Q q 0 0 0 rg BT 225.30 575.10 Td (The ) Tj ET Q q 0 0 0 rg BT 242.61 575.10 Td (write-down ) Tj ET Q q 0 0 0 rg BT 290.48 575.10 Td (of ) Tj ET Q q 0 0 0 rg BT 300.57 575.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 340.66 575.10 Td (to ) Tj ET Q q 0 0 0 rg BT 350.21 575.10 Td (net ) Tj ET Q q 0 0 0 rg BT 364.19 575.10 Td (realizable ) Tj ET Q q 0 0 0 rg BT 404.81 575.10 Td (value ) Tj ET Q q 0 0 0 rg BT 428.23 575.10 Td (is ) Tj ET Q q 0 0 0 rg BT 436.67 575.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 476.75 575.10 Td (based ) Tj ET Q q 0 0 0 rg BT 501.29 575.10 Td (on ) Tj ET Q q 0 0 0 rg BT 513.05 575.10 Td (assumptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 563.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 90.32 563.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 131.14 563.10 Td (aging, ) Tj ET Q q 0 0 0 rg BT 158.36 563.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 198.07 563.10 Td (product ) Tj ET Q q 0 0 0 rg BT 231.12 563.10 Td (sales, ) Tj ET Q q 0 0 0 rg BT 255.55 563.10 Td (and ) Tj ET Q q 0 0 0 rg BT 272.49 563.10 Td (obsolescence ) Tj ET Q q 0 0 0 rg BT 327.75 563.10 Td (of ) Tj ET Q q 0 0 0 rg BT 338.58 563.10 Td (products ) Tj ET Q q 0 0 0 rg BT 375.52 563.10 Td (on ) Tj ET Q q 0 0 0 rg BT 388.02 563.10 Td (hand.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.95 563.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 545.10 Td (V) Tj ET Q q 0 0 0 rg BT 55.06 545.10 Td (endor ) Tj ET Q q 0 0 0 rg BT 80.36 545.10 Td (Allowances) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 127.58 545.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.08 545.10 Td ( ) Tj ET Q q 0 0 0 rg BT 131.73 545.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.26 545.10 Td (W) Tj ET Q q 0 0 0 rg BT 141.89 545.10 Td (e ) Tj ET Q q 0 0 0 rg BT 147.98 545.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 178.49 545.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 202.36 545.10 Td (from ) Tj ET Q q 0 0 0 rg BT 223.44 545.10 Td (vendors ) Tj ET Q q 0 0 0 rg BT 256.75 545.10 Td (for ) Tj ET Q q 0 0 0 rg BT 270.06 545.10 Td (price ) Tj ET Q q 0 0 0 rg BT 291.69 545.10 Td (protection, ) Tj ET Q q 0 0 0 rg BT 336.38 545.10 Td (product ) Tj ET Q q 0 0 0 rg BT 368.57 545.10 Td (rebates ) Tj ET Q q 0 0 0 rg BT 398.54 545.10 Td (\(earned ) Tj ET Q q 0 0 0 rg BT 430.16 545.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 451.80 545.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 488.99 545.10 Td (or ) Tj ET Q q 0 0 0 rg BT 498.97 545.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 516.16 545.10 Td (of ) Tj ET Q q 0 0 0 rg BT 526.14 545.10 Td (product\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 533.10 Td (marketing, ) Tj ET Q q 0 0 0 rg BT 95.27 533.10 Td (and ) Tj ET Q q 0 0 0 rg BT 112.44 533.10 Td (promotion ) Tj ET Q q 0 0 0 rg BT 156.84 533.10 Td (programs, ) Tj ET Q q 0 0 0 rg BT 199.84 533.10 Td (collectively ) Tj ET Q q 0 0 0 rg BT 249.21 533.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 283.58 533.10 Td (to ) Tj ET Q q 0 0 0 rg BT 294.09 533.10 Td (as ) Tj ET Q q 0 0 0 rg BT 305.15 533.10 Td (vendor ) Tj ET Q q 0 0 0 rg BT 335.65 533.10 Td (allowances, ) Tj ET Q q 0 0 0 rg BT 385.31 533.10 Td (which ) Tj ET Q q 0 0 0 rg BT 412.48 533.10 Td (are ) Tj ET Q q 0 0 0 rg BT 427.41 533.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 465.12 533.10 Td (on ) Tj ET Q q 0 0 0 rg BT 477.85 533.10 Td (the ) Tj ET Q q 0 0 0 rg BT 492.80 533.10 Td (accrual ) Tj ET Q q 0 0 0 rg BT 524.39 533.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 549.42 533.10 Td (W) Tj ET Q q 0 0 0 rg BT 558.06 533.10 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 521.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 84.45 521.10 Td (the ) Tj ET Q q 0 0 0 rg BT 98.30 521.10 Td (vendor ) Tj ET Q q 0 0 0 rg BT 127.71 521.10 Td (allowances ) Tj ET Q q 0 0 0 rg BT 173.76 521.10 Td (to ) Tj ET Q q 0 0 0 rg BT 183.17 521.10 Td (accrue ) Tj ET Q q 0 0 0 rg BT 210.89 521.10 Td (based ) Tj ET Q q 0 0 0 rg BT 235.29 521.10 Td (on ) Tj ET Q q 0 0 0 rg BT 246.93 521.10 Td (the ) Tj ET Q q 0 0 0 rg BT 260.78 521.10 Td (progress ) Tj ET Q q 0 0 0 rg BT 296.29 521.10 Td (of ) Tj ET Q q 0 0 0 rg BT 306.26 521.10 Td (satisfying ) Tj ET Q q 0 0 0 rg BT 346.78 521.10 Td (the ) Tj ET Q q 0 0 0 rg BT 360.63 521.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 384.48 521.10 Td (of ) Tj ET Q q 0 0 0 rg BT 394.44 521.10 Td (the ) Tj ET Q q 0 0 0 rg BT 408.29 521.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 447.69 521.10 Td (based ) Tj ET Q q 0 0 0 rg BT 472.09 521.10 Td (on ) Tj ET Q q 0 0 0 rg BT 483.73 521.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 509.23 521.10 Td (and ) Tj ET Q q 0 0 0 rg BT 525.30 521.10 Td (projected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 509.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 71.42 509.10 Td (or ) Tj ET Q q 0 0 0 rg BT 82.23 509.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 120.24 509.10 Td (of ) Tj ET Q q 0 0 0 rg BT 131.05 509.10 Td (qualifying ) Tj ET Q q 0 0 0 rg BT 174.64 509.10 Td (products. ) Tj ET Q q 0 0 0 rg BT 214.05 509.10 Td (If ) Tj ET Q q 0 0 0 rg BT 223.19 509.10 Td (the ) Tj ET Q q 0 0 0 rg BT 237.89 509.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 278.14 509.10 Td (are ) Tj ET Q q 0 0 0 rg BT 292.83 509.10 Td (related ) Tj ET Q q 0 0 0 rg BT 322.51 509.10 Td (to ) Tj ET Q q 0 0 0 rg BT 332.76 509.10 Td (product ) Tj ET Q q 0 0 0 rg BT 365.79 509.10 Td (purchases, ) Tj ET Q q 0 0 0 rg BT 410.20 509.10 Td (the ) Tj ET Q q 0 0 0 rg BT 424.90 509.10 Td (vendor ) Tj ET Q q 0 0 0 rg BT 455.14 509.10 Td (allowances ) Tj ET Q q 0 0 0 rg BT 502.05 509.10 Td (are ) Tj ET Q q 0 0 0 rg BT 516.73 509.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 554.19 509.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 497.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.54 497.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 96.91 497.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.84 497.10 Td (product ) Tj ET Q q 0 0 0 rg BT 141.00 497.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 159.71 497.10 Td (in ) Tj ET Q q 0 0 0 rg BT 170.09 497.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 211.02 497.10 Td (still ) Tj ET Q q 0 0 0 rg BT 228.63 497.10 Td (on ) Tj ET Q q 0 0 0 rg BT 241.23 497.10 Td (hand ) Tj ET Q q 0 0 0 rg BT 263.27 497.10 Td (with ) Tj ET Q q 0 0 0 rg BT 283.66 497.10 Td (any ) Tj ET Q q 0 0 0 rg BT 300.70 497.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 343.85 497.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 380.34 497.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 417.92 497.10 Td (as ) Tj ET Q q 0 0 0 rg BT 428.85 497.10 Td (a ) Tj ET Q q 0 0 0 rg BT 435.89 497.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 476.26 497.10 Td (of ) Tj ET Q q 0 0 0 rg BT 487.19 497.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 505.91 497.10 Td (of ) Tj ET Q q 0 0 0 rg BT 516.84 497.10 Td (goods ) Tj ET Q q 0 0 0 rg BT 543.34 497.10 Td (sold.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 485.10 Td (During ) Tj ET Q q 0 0 0 rg BT 81.75 485.10 Td (the ) Tj ET Q q 0 0 0 rg BT 97.89 485.10 Td (years ) Tj ET Q q 0 0 0 rg BT 122.91 485.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.71 485.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 200.74 485.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.74 485.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.16 485.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.16 485.10 Td ( ) Tj ET Q q 0 0 0 rg BT 251.08 485.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.44 485.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.44 485.10 Td (, ) Tj ET Q q 0 0 0 rg BT 295.87 485.10 Td (we ) Tj ET Q q 0 0 0 rg BT 311.45 485.10 Td (recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.35 485.10 Td ($153.0 ) Tj ET Q q 0 0 0 rg BT 381.77 485.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.66 485.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.08 485.10 Td ($162.5 ) Tj ET Q q 0 0 0 rg BT 448.51 485.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.40 485.10 Td ( ) Tj ET Q q 0 0 0 rg BT 481.32 485.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.68 485.10 Td ($145.4 ) Tj ET Q q 0 0 0 rg BT 531.11 485.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 560.00 485.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 473.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.16 473.10 Td (, ) Tj ET Q q 0 0 0 rg BT 102.16 473.10 Td (as ) Tj ET Q q 0 0 0 rg BT 112.99 473.10 Td (reductions ) Tj ET Q q 0 0 0 rg BT 157.15 473.10 Td (in ) Tj ET Q q 0 0 0 rg BT 167.42 473.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 186.03 473.10 Td (of ) Tj ET Q q 0 0 0 rg BT 196.86 473.10 Td (goods ) Tj ET Q q 0 0 0 rg BT 223.25 473.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 242.42 473.10 Td (from ) Tj ET Q q 0 0 0 rg BT 264.36 473.10 Td (vendor ) Tj ET Q q 0 0 0 rg BT 294.63 473.10 Td (allowances. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 455.10 Td (Property ) Tj ET Q q 0 0 0 rg BT 87.27 455.10 Td (and ) Tj ET Q q 0 0 0 rg BT 105.06 455.10 Td (Equipment) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 150.62 455.10 Td (. ) Tj ET Q q 0 0 0 rg BT 155.35 455.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.57 455.10 Td (Property ) Tj ET Q q 0 0 0 rg BT 194.23 455.10 Td (and ) Tj ET Q q 0 0 0 rg BT 210.90 455.10 Td (equipment, ) Tj ET Q q 0 0 0 rg BT 257.83 455.10 Td (including ) Tj ET Q q 0 0 0 rg BT 297.83 455.10 Td (any ) Tj ET Q q 0 0 0 rg BT 314.49 455.10 Td (major ) Tj ET Q q 0 0 0 rg BT 340.04 455.10 Td (additions ) Tj ET Q q 0 0 0 rg BT 378.93 455.10 Td (and ) Tj ET Q q 0 0 0 rg BT 395.59 455.10 Td (improvements ) Tj ET Q q 0 0 0 rg BT 455.03 455.10 Td (to ) Tj ET Q q 0 0 0 rg BT 465.03 455.10 Td (property ) Tj ET Q q 0 0 0 rg BT 501.13 455.10 Td (and ) Tj ET Q q 0 0 0 rg BT 517.80 455.10 Td (equipment, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 443.10 Td (are ) Tj ET Q q 0 0 0 rg BT 63.63 443.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 100.53 443.10 Td (at ) Tj ET Q q 0 0 0 rg BT 109.68 443.10 Td (cost. ) Tj ET Q q 0 0 0 rg BT 130.21 443.10 Td (Normal ) Tj ET Q q 0 0 0 rg BT 162.68 443.10 Td (repairs ) Tj ET Q q 0 0 0 rg BT 191.81 443.10 Td (and ) Tj ET Q q 0 0 0 rg BT 208.18 443.10 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 260.63 443.10 Td (that ) Tj ET Q q 0 0 0 rg BT 277.55 443.10 Td (do ) Tj ET Q q 0 0 0 rg BT 289.48 443.10 Td (not ) Tj ET Q q 0 0 0 rg BT 304.18 443.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 346.64 443.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 375.22 443.10 Td (the ) Tj ET Q q 0 0 0 rg BT 389.36 443.10 Td (life ) Tj ET Q q 0 0 0 rg BT 404.61 443.10 Td (of ) Tj ET Q q 0 0 0 rg BT 414.87 443.10 Td (property ) Tj ET Q q 0 0 0 rg BT 450.67 443.10 Td (and ) Tj ET Q q 0 0 0 rg BT 467.04 443.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 511.17 443.10 Td (are ) Tj ET Q q 0 0 0 rg BT 525.31 443.10 Td (expensed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 431.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.34 431.10 Td (incurred. ) Tj ET Q q 0 0 0 rg BT 98.66 431.10 Td (Depreciation, ) Tj ET Q q 0 0 0 rg BT 155.31 431.10 Td (which ) Tj ET Q q 0 0 0 rg BT 182.25 431.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 218.09 431.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 271.13 431.10 Td (of ) Tj ET Q q 0 0 0 rg BT 281.97 431.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 327.78 431.10 Td (leases, ) Tj ET Q q 0 0 0 rg BT 356.67 431.10 Td (is ) Tj ET Q q 0 0 0 rg BT 365.84 431.10 Td (computed ) Tj ET Q q 0 0 0 rg BT 407.78 431.10 Td (using ) Tj ET Q q 0 0 0 rg BT 431.96 431.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.69 431.10 Td (straight-line ) Tj ET Q q 0 0 0 rg BT 497.51 431.10 Td (method ) Tj ET Q q 0 0 0 rg BT 530.02 431.10 Td (over ) Tj ET Q q 0 0 0 rg BT 550.29 431.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 419.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 90.24 419.10 Td (useful ) Tj ET Q q 0 0 0 rg BT 117.09 419.10 Td (lives ) Tj ET Q q 0 0 0 rg BT 138.39 419.10 Td (of ) Tj ET Q q 0 0 0 rg BT 149.14 419.10 Td (the ) Tj ET Q q 0 0 0 rg BT 163.77 419.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 192.02 419.10 Td (or ) Tj ET Q q 0 0 0 rg BT 202.76 419.10 Td (in ) Tj ET Q q 0 0 0 rg BT 212.96 419.10 Td (the ) Tj ET Q q 0 0 0 rg BT 227.59 419.10 Td (case ) Tj ET Q q 0 0 0 rg BT 247.21 419.10 Td (of ) Tj ET Q q 0 0 0 rg BT 257.96 419.10 Td (leasehold ) Tj ET Q q 0 0 0 rg BT 298.14 419.10 Td (improvements, ) Tj ET Q q 0 0 0 rg BT 360.27 419.10 Td (over ) Tj ET Q q 0 0 0 rg BT 380.45 419.10 Td (the ) Tj ET Q q 0 0 0 rg BT 395.09 419.10 Td (shorter ) Tj ET Q q 0 0 0 rg BT 425.27 419.10 Td (of ) Tj ET Q q 0 0 0 rg BT 436.02 419.10 Td (the ) Tj ET Q q 0 0 0 rg BT 450.65 419.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 491.39 419.10 Td (useful ) Tj ET Q q 0 0 0 rg BT 518.24 419.10 Td (lives ) Tj ET Q q 0 0 0 rg BT 539.54 419.10 Td (or ) Tj ET Q q 0 0 0 rg BT 550.29 419.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 407.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 92.54 407.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 117.26 407.10 Td (of ) Tj ET Q q 0 0 0 rg BT 128.09 407.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.81 407.10 Td (leases.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 389.10 Td (Internal-Use ) Tj ET Q q 0 0 0 rg BT 104.85 389.10 Td (Software ) Tj ET Q q 0 0 0 rg BT 144.08 389.10 Td (Costs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.82 389.10 Td ( ) Tj ET Q q 0 0 0 rg BT 171.38 389.10 Td (Costs ) Tj ET Q q 0 0 0 rg BT 196.18 389.10 Td (related ) Tj ET Q q 0 0 0 rg BT 225.95 389.10 Td (to ) Tj ET Q q 0 0 0 rg BT 236.29 389.10 Td (software ) Tj ET Q q 0 0 0 rg BT 273.29 389.10 Td (developed ) Tj ET Q q 0 0 0 rg BT 316.95 389.10 Td (or ) Tj ET Q q 0 0 0 rg BT 327.84 389.10 Td (obtained ) Tj ET Q q 0 0 0 rg BT 364.84 389.10 Td (for ) Tj ET Q q 0 0 0 rg BT 379.07 389.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 412.18 389.10 Td (use ) Tj ET Q q 0 0 0 rg BT 428.07 389.10 Td (are ) Tj ET Q q 0 0 0 rg BT 442.84 389.10 Td (expensed ) Tj ET Q q 0 0 0 rg BT 482.62 389.10 Td (as ) Tj ET Q q 0 0 0 rg BT 493.51 389.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 529.40 389.10 Td (until ) Tj ET Q q 0 0 0 rg BT 550.30 389.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 377.10 Td (application ) Tj ET Q q 0 0 0 rg BT 97.03 377.10 Td (development ) Tj ET Q q 0 0 0 rg BT 151.79 377.10 Td (stage ) Tj ET Q q 0 0 0 rg BT 175.44 377.10 Td (has ) Tj ET Q q 0 0 0 rg BT 191.87 377.10 Td (been ) Tj ET Q q 0 0 0 rg BT 213.85 377.10 Td (reached. ) Tj ET Q q 0 0 0 rg BT 250.54 377.10 Td (Once ) Tj ET Q q 0 0 0 rg BT 274.74 377.10 Td (the ) Tj ET Q q 0 0 0 rg BT 290.06 377.10 Td (application ) Tj ET Q q 0 0 0 rg BT 337.59 377.10 Td (development ) Tj ET Q q 0 0 0 rg BT 392.34 377.10 Td (stage ) Tj ET Q q 0 0 0 rg BT 415.99 377.10 Td (has ) Tj ET Q q 0 0 0 rg BT 432.42 377.10 Td (been ) Tj ET Q q 0 0 0 rg BT 454.40 377.10 Td (reached, ) Tj ET Q q 0 0 0 rg BT 491.09 377.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 521.40 377.10 Td (qualifying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 365.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 72.66 365.10 Td (are ) Tj ET Q q 0 0 0 rg BT 88.03 365.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 134.50 365.10 Td (until ) Tj ET Q q 0 0 0 rg BT 155.99 365.10 Td (the ) Tj ET Q q 0 0 0 rg BT 171.37 365.10 Td (software ) Tj ET Q q 0 0 0 rg BT 208.96 365.10 Td (is ) Tj ET Q q 0 0 0 rg BT 218.79 365.10 Td (ready ) Tj ET Q q 0 0 0 rg BT 244.16 365.10 Td (for ) Tj ET Q q 0 0 0 rg BT 258.98 365.10 Td (its ) Tj ET Q q 0 0 0 rg BT 271.59 365.10 Td (intended ) Tj ET Q q 0 0 0 rg BT 309.19 365.10 Td (use. ) Tj ET Q q 0 0 0 rg BT 328.18 365.10 Td ( ) Tj ET Q q 0 0 0 rg BT 331.34 365.10 Td (For ) Tj ET Q q 0 0 0 rg BT 348.40 365.10 Td (the ) Tj ET Q q 0 0 0 rg BT 363.77 365.10 Td (year ) Tj ET Q q 0 0 0 rg BT 384.14 365.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.18 365.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 460.44 365.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.44 365.10 Td (, ) Tj ET Q q 0 0 0 rg BT 486.10 365.10 Td (we ) Tj ET Q q 0 0 0 rg BT 500.93 365.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 537.40 365.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.00 365.10 Td ($5.9 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 353.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 353.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.05 353.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 99.28 353.10 Td (from ) Tj ET Q q 0 0 0 rg BT 121.38 353.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.25 353.10 Td (write-of) Tj ET Q q 0 0 0 rg BT 168.28 353.10 Td (f ) Tj ET Q q 0 0 0 rg BT 174.27 353.10 Td (of ) Tj ET Q q 0 0 0 rg BT 185.26 353.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 230.14 353.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 276.11 353.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 298.77 353.10 Td (for ) Tj ET Q q 0 0 0 rg BT 313.09 353.10 Td (a ) Tj ET Q q 0 0 0 rg BT 320.19 353.10 Td (software ) Tj ET Q q 0 0 0 rg BT 357.28 353.10 Td (project ) Tj ET Q q 0 0 0 rg BT 387.70 353.10 Td (that ) Tj ET Q q 0 0 0 rg BT 405.36 353.10 Td (was ) Tj ET Q q 0 0 0 rg BT 423.57 353.10 Td (abandoned ) Tj ET Q q 0 0 0 rg BT 469.55 353.10 Td (during ) Tj ET Q q 0 0 0 rg BT 498.32 353.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 522.63 353.10 Td (year ) Tj ET Q q 0 0 0 rg BT 542.50 353.10 Td (2018 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 341.10 Td (related ) Tj ET Q q 0 0 0 rg BT 79.20 341.10 Td (to ) Tj ET Q q 0 0 0 rg BT 89.48 341.10 Td (the ) Tj ET Q q 0 0 0 rg BT 104.20 341.10 Td (implementation ) Tj ET Q q 0 0 0 rg BT 169.46 341.10 Td (of ) Tj ET Q q 0 0 0 rg BT 180.29 341.10 Td (a ) Tj ET Q q 0 0 0 rg BT 187.23 341.10 Td (new ) Tj ET Q q 0 0 0 rg BT 206.39 341.10 Td (point ) Tj ET Q q 0 0 0 rg BT 229.45 341.10 Td (of ) Tj ET Q q 0 0 0 rg BT 240.28 341.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 258.32 341.10 Td (system ) Tj ET Q q 0 0 0 rg BT 288.60 341.10 Td (that ) Tj ET Q q 0 0 0 rg BT 306.10 341.10 Td (began ) Tj ET Q q 0 0 0 rg BT 332.47 341.10 Td (in ) Tj ET Q q 0 0 0 rg BT 342.75 341.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 366.91 341.10 Td (year ) Tj ET Q q 0 0 0 rg BT 386.61 341.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.61 341.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 323.10 Td (Impairment ) Tj ET Q q 0 0 0 rg BT 100.67 323.10 Td (of ) Tj ET Q q 0 0 0 rg BT 111.27 323.10 Td (Long-Lived ) Tj ET Q q 0 0 0 rg BT 160.97 323.10 Td (Assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.03 323.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.30 323.10 Td (Long-lived ) Tj ET Q q 0 0 0 rg BT 238.01 323.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 263.61 323.10 Td (are ) Tj ET Q q 0 0 0 rg BT 278.09 323.10 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 318.67 323.10 Td (for ) Tj ET Q q 0 0 0 rg BT 332.60 323.10 Td (impairment, ) Tj ET Q q 0 0 0 rg BT 383.47 323.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 422.96 323.10 Td (at ) Tj ET Q q 0 0 0 rg BT 432.45 323.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.94 323.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 469.75 323.10 Td (store ) Tj ET Q q 0 0 0 rg BT 491.46 323.10 Td (level. ) Tj ET Q q 0 0 0 rg BT 515.50 323.10 Td (W) Tj ET Q q 0 0 0 rg BT 524.14 323.10 Td (e ) Tj ET Q q 0 0 0 rg BT 530.85 323.10 Td (monitor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 311.10 Td (store ) Tj ET Q q 0 0 0 rg BT 71.29 311.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 124.16 311.10 Td (in ) Tj ET Q q 0 0 0 rg BT 134.28 311.10 Td (order ) Tj ET Q q 0 0 0 rg BT 157.73 311.10 Td (to ) Tj ET Q q 0 0 0 rg BT 167.85 311.10 Td (assess ) Tj ET Q q 0 0 0 rg BT 194.65 311.10 Td (if ) Tj ET Q q 0 0 0 rg BT 203.10 311.10 Td (events ) Tj ET Q q 0 0 0 rg BT 231.00 311.10 Td (or ) Tj ET Q q 0 0 0 rg BT 241.67 311.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 276.23 311.10 Td (in ) Tj ET Q q 0 0 0 rg BT 286.35 311.10 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 345.34 311.10 Td (indicate ) Tj ET Q q 0 0 0 rg BT 379.34 311.10 Td (that ) Tj ET Q q 0 0 0 rg BT 396.68 311.10 Td (the ) Tj ET Q q 0 0 0 rg BT 411.25 311.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 446.91 311.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 479.25 311.10 Td (of ) Tj ET Q q 0 0 0 rg BT 489.93 311.10 Td (the ) Tj ET Q q 0 0 0 rg BT 504.50 311.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 530.17 311.10 Td (may ) Tj ET Q q 0 0 0 rg BT 549.74 311.10 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 299.10 Td (be ) Tj ET Q q 0 0 0 rg BT 62.26 299.10 Td (recoverable. ) Tj ET Q q 0 0 0 rg BT 114.47 299.10 Td (The ) Tj ET Q q 0 0 0 rg BT 133.34 299.10 Td (most ) Tj ET Q q 0 0 0 rg BT 156.11 299.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 182.21 299.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 223.30 299.10 Td (that ) Tj ET Q q 0 0 0 rg BT 241.62 299.10 Td (would ) Tj ET Q q 0 0 0 rg BT 269.94 299.10 Td (necessitate ) Tj ET Q q 0 0 0 rg BT 316.57 299.10 Td (an ) Tj ET Q q 0 0 0 rg BT 329.33 299.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 377.09 299.10 Td (would ) Tj ET Q q 0 0 0 rg BT 405.42 299.10 Td (be ) Tj ET Q q 0 0 0 rg BT 418.18 299.10 Td (an ) Tj ET Q q 0 0 0 rg BT 430.94 299.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 464.79 299.10 Td (change ) Tj ET Q q 0 0 0 rg BT 496.43 299.10 Td (in ) Tj ET Q q 0 0 0 rg BT 507.53 299.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 548.07 299.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 287.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 90.61 287.10 Td (future ) Tj ET Q q 0 0 0 rg BT 117.28 287.10 Td (results ) Tj ET Q q 0 0 0 rg BT 146.18 287.10 Td (of ) Tj ET Q q 0 0 0 rg BT 157.31 287.10 Td (a ) Tj ET Q q 0 0 0 rg BT 164.54 287.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 187.87 287.10 Td (store's ) Tj ET Q q 0 0 0 rg BT 215.80 287.10 Td (performance. ) Tj ET Q q 0 0 0 rg BT 271.61 287.10 Td (For ) Tj ET Q q 0 0 0 rg BT 288.30 287.10 Td (property ) Tj ET Q q 0 0 0 rg BT 324.97 287.10 Td (and ) Tj ET Q q 0 0 0 rg BT 342.20 287.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 387.21 287.10 Td (held ) Tj ET Q q 0 0 0 rg BT 407.21 287.10 Td (and ) Tj ET Q q 0 0 0 rg BT 424.45 287.10 Td (used, ) Tj ET Q q 0 0 0 rg BT 448.07 287.10 Td (we ) Tj ET Q q 0 0 0 rg BT 462.52 287.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 504.18 287.10 Td (an ) Tj ET Q q 0 0 0 rg BT 516.41 287.10 Td (impairment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 275.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 67.52 275.10 Td (if ) Tj ET Q q 0 0 0 rg BT 76.09 275.10 Td (the ) Tj ET Q q 0 0 0 rg BT 90.77 275.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 126.55 275.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 159.01 275.10 Td (is ) Tj ET Q q 0 0 0 rg BT 168.14 275.10 Td (not ) Tj ET Q q 0 0 0 rg BT 183.38 275.10 Td (recoverable ) Tj ET Q q 0 0 0 rg BT 232.48 275.10 Td (through ) Tj ET Q q 0 0 0 rg BT 266.05 275.10 Td (its ) Tj ET Q q 0 0 0 rg BT 277.96 275.10 Td (undiscounted ) Tj ET Q q 0 0 0 rg BT 333.74 275.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 353.98 275.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 378.66 275.10 Td (and ) Tj ET Q q 0 0 0 rg BT 395.56 275.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 431.34 275.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.02 275.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 494.58 275.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 512.60 275.10 Td (based ) Tj ET Q q 0 0 0 rg BT 537.83 275.10 Td (on ) Tj ET Q q 0 0 0 rg BT 550.30 275.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 263.10 Td (dif) Tj ET Q q 0 0 0 rg BT 60.43 263.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 92.97 263.10 Td (between ) Tj ET Q q 0 0 0 rg BT 129.41 263.10 Td (the ) Tj ET Q q 0 0 0 rg BT 144.75 263.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 181.19 263.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 214.30 263.10 Td (and ) Tj ET Q q 0 0 0 rg BT 231.87 263.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 273.31 263.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 290.31 263.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 317.59 263.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 336.82 263.10 Td (value ) Tj ET Q q 0 0 0 rg BT 361.60 263.10 Td (is ) Tj ET Q q 0 0 0 rg BT 371.40 263.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 419.50 263.10 Td (by ) Tj ET Q q 0 0 0 rg BT 432.63 263.10 Td (discounting ) Tj ET Q q 0 0 0 rg BT 482.42 263.10 Td (the ) Tj ET Q q 0 0 0 rg BT 497.76 263.10 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 544.75 263.10 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 251.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 73.94 251.10 Td (over ) Tj ET Q q 0 0 0 rg BT 93.92 251.10 Td (the ) Tj ET Q q 0 0 0 rg BT 108.35 251.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 151.11 251.10 Td (term ) Tj ET Q q 0 0 0 rg BT 171.65 251.10 Td (of ) Tj ET Q q 0 0 0 rg BT 182.19 251.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.62 251.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 218.82 251.10 Td (utilizing ) Tj ET Q q 0 0 0 rg BT 254.37 251.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 283.78 251.10 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 339.31 251.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 365.97 251.10 Td (\(Level ) Tj ET Q q 0 0 0 rg BT 394.28 251.10 Td (3\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.11 251.10 Td ( ) Tj ET Q q 0 0 0 rg BT 407.33 251.10 Td ( ) Tj ET Q q 0 0 0 rg BT 409.54 251.10 Td ( ) Tj ET Q q 0 0 0 rg BT 411.76 251.10 Td (For ) Tj ET Q q 0 0 0 rg BT 427.86 251.10 Td (the ) Tj ET Q q 0 0 0 rg BT 442.29 251.10 Td (years ) Tj ET Q q 0 0 0 rg BT 465.61 251.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.70 251.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 540.01 251.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 560.01 251.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 239.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 239.10 Td ( ) Tj ET Q q 0 0 0 rg BT 72.00 239.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.94 239.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.94 239.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.94 239.10 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.94 239.10 Td ( ) Tj ET Q q 0 0 0 rg BT 126.44 239.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 175.04 239.10 Td (char) Tj ET Q q 0 0 0 rg BT 192.06 239.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 207.89 239.10 Td (were ) Tj ET Q q 0 0 0 rg BT 229.82 239.10 Td (recorded.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 221.10 Td (Debt ) Tj ET Q q 0 0 0 rg BT 71.36 221.10 Td (Issuance ) Tj ET Q q 0 0 0 rg BT 110.46 221.10 Td (Costs. ) Tj ET Q q 0 0 0 rg BT 137.61 221.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.03 221.10 Td (Costs ) Tj ET Q q 0 0 0 rg BT 164.69 221.10 Td (that ) Tj ET Q q 0 0 0 rg BT 182.10 221.10 Td (are ) Tj ET Q q 0 0 0 rg BT 196.73 221.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 221.92 221.10 Td (and ) Tj ET Q q 0 0 0 rg BT 238.78 221.10 Td (incremental ) Tj ET Q q 0 0 0 rg BT 288.40 221.10 Td (to ) Tj ET Q q 0 0 0 rg BT 298.60 221.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 318.24 221.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 354.53 221.10 Td (are ) Tj ET Q q 0 0 0 rg BT 369.16 221.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 404.89 221.10 Td (and ) Tj ET Q q 0 0 0 rg BT 421.75 221.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 464.15 221.10 Td (to ) Tj ET Q q 0 0 0 rg BT 474.35 221.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 506.21 221.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 540.84 221.10 Td (using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 209.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.22 209.10 Td (ef) Tj ET Q q 0 0 0 rg BT 71.81 209.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 101.51 209.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 133.45 209.10 Td (method ) Tj ET Q q 0 0 0 rg BT 165.95 209.10 Td (over ) Tj ET Q q 0 0 0 rg BT 186.22 209.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.94 209.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 238.97 209.10 Td (life ) Tj ET Q q 0 0 0 rg BT 254.80 209.10 Td (of ) Tj ET Q q 0 0 0 rg BT 265.63 209.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.35 209.10 Td (debt.) Tj ET Q q 0 0 0 rg BT 304.51 209.10 Td (All ) Tj ET Q q 0 0 0 rg BT 319.80 209.10 Td (other ) Tj ET Q q 0 0 0 rg BT 342.84 209.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 365.35 209.10 Td (related ) Tj ET Q q 0 0 0 rg BT 395.05 209.10 Td (to ) Tj ET Q q 0 0 0 rg BT 405.33 209.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 425.05 209.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 461.43 209.10 Td (are ) Tj ET Q q 0 0 0 rg BT 476.14 209.10 Td (expensed ) Tj ET Q q 0 0 0 rg BT 515.85 209.10 Td (as ) Tj ET Q q 0 0 0 rg BT 526.68 209.10 Td (incurred. ) Tj ET Q q 0 0 0 rg BT 565.00 209.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 197.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 197.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.32 197.10 Td (present ) Tj ET Q q 0 0 0 rg BT 96.94 197.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 116.90 197.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 153.51 197.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 176.26 197.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 220.09 197.10 Td (with ) Tj ET Q q 0 0 0 rg BT 240.61 197.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 282.79 197.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 302.74 197.10 Td (as ) Tj ET Q q 0 0 0 rg BT 313.82 197.10 Td (a ) Tj ET Q q 0 0 0 rg BT 321.00 197.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 361.50 197.10 Td (of ) Tj ET Q q 0 0 0 rg BT 372.57 197.10 Td (the ) Tj ET Q q 0 0 0 rg BT 387.53 197.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 423.59 197.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 456.33 197.10 Td (of ) Tj ET Q q 0 0 0 rg BT 467.40 197.10 Td (the ) Tj ET Q q 0 0 0 rg BT 482.36 197.10 Td (debt. ) Tj ET Q q 0 0 0 rg BT 504.81 197.10 Td ( ) Tj ET Q q 0 0 0 rg BT 507.56 197.10 Td ( ) Tj ET Q q 0 0 0 rg BT 510.30 197.10 Td (Unamortized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 185.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 72.15 185.10 Td (related ) Tj ET Q q 0 0 0 rg BT 101.99 185.10 Td (to ) Tj ET Q q 0 0 0 rg BT 112.42 185.10 Td (the ) Tj ET Q q 0 0 0 rg BT 127.28 185.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 168.25 185.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 193.66 185.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 224.63 185.10 Td (are ) Tj ET Q q 0 0 0 rg BT 239.48 185.10 Td (included ) Tj ET Q q 0 0 0 rg BT 276.56 185.10 Td (in ) Tj ET Q q 0 0 0 rg BT 286.98 185.10 Td (other ) Tj ET Q q 0 0 0 rg BT 310.17 185.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 336.15 185.10 Td (on ) Tj ET Q q 0 0 0 rg BT 348.79 185.10 Td (our ) Tj ET Q q 0 0 0 rg BT 364.77 185.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 417.96 185.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 451.13 185.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 474.33 185.10 Td (and ) Tj ET Q q 0 0 0 rg BT 491.41 185.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.49 185.10 Td ($5.2 ) Tj ET Q q 0 0 0 rg BT 533.63 185.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 173.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.44 173.10 Td ($5.7 ) Tj ET Q q 0 0 0 rg BT 86.44 173.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.33 173.10 Td ( ) Tj ET Q q 0 0 0 rg BT 117.83 173.10 Td (as ) Tj ET Q q 0 0 0 rg BT 128.66 173.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.49 173.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 188.09 173.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.09 173.10 Td ( ) Tj ET Q q 0 0 0 rg BT 210.59 173.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.53 173.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.53 173.10 Td (, ) Tj ET Q q 0 0 0 rg BT 252.53 173.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 300.19 173.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 155.10 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 88.15 155.10 Td (Recognition) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.15 155.10 Td (. ) Tj ET Q q 0 0 0 rg BT 143.76 155.10 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 181.85 155.10 Td (from ) Tj ET Q q 0 0 0 rg BT 204.39 155.10 Td (the ) Tj ET Q q 0 0 0 rg BT 219.71 155.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 238.36 155.10 Td (of ) Tj ET Q q 0 0 0 rg BT 249.79 155.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 273.44 155.10 Td (products ) Tj ET Q q 0 0 0 rg BT 310.98 155.10 Td (is ) Tj ET Q q 0 0 0 rg BT 320.75 155.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 367.72 155.10 Td (at ) Tj ET Q q 0 0 0 rg BT 378.04 155.10 Td (the ) Tj ET Q q 0 0 0 rg BT 393.35 155.10 Td (time ) Tj ET Q q 0 0 0 rg BT 414.23 155.10 Td (the ) Tj ET Q q 0 0 0 rg BT 429.55 155.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 469.31 155.10 Td (takes ) Tj ET Q q 0 0 0 rg BT 492.96 155.10 Td (possession ) Tj ET Q q 0 0 0 rg BT 538.85 155.10 Td (of ) Tj ET Q q 0 0 0 rg BT 550.28 155.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 143.10 Td (product. ) Tj ET Q q 0 0 0 rg BT 85.07 143.10 Td (Such ) Tj ET Q q 0 0 0 rg BT 107.59 143.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 141.76 143.10 Td (is ) Tj ET Q q 0 0 0 rg BT 150.95 143.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 197.33 143.10 Td (net ) Tj ET Q q 0 0 0 rg BT 212.07 143.10 Td (of ) Tj ET Q q 0 0 0 rg BT 222.92 143.10 Td (any ) Tj ET Q q 0 0 0 rg BT 239.88 143.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 290.17 143.10 Td (for ) Tj ET Q q 0 0 0 rg BT 304.35 143.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 326.31 143.10 Td (incentives ) Tj ET Q q 0 0 0 rg BT 369.38 143.10 Td (such ) Tj ET Q q 0 0 0 rg BT 390.23 143.10 Td (as ) Tj ET Q q 0 0 0 rg BT 401.08 143.10 Td (discounts, ) Tj ET Q q 0 0 0 rg BT 443.88 143.10 Td (coupons, ) Tj ET Q q 0 0 0 rg BT 482.23 143.10 Td (rebates ) Tj ET Q q 0 0 0 rg BT 513.06 143.10 Td (or ) Tj ET Q q 0 0 0 rg BT 523.92 143.10 Td (other ) Tj ET Q q 0 0 0 rg BT 546.98 143.10 Td (free ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 131.10 Td (products ) Tj ET Q q 0 0 0 rg BT 86.90 131.10 Td (or ) Tj ET Q q 0 0 0 rg BT 98.19 131.10 Td (services ) Tj ET Q q 0 0 0 rg BT 133.36 131.10 Td (and ) Tj ET Q q 0 0 0 rg BT 150.77 131.10 Td (discounts ) Tj ET Q q 0 0 0 rg BT 191.51 131.10 Td (on ) Tj ET Q q 0 0 0 rg BT 204.47 131.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 226.87 131.10 Td (financed ) Tj ET Q q 0 0 0 rg BT 264.26 131.10 Td (through ) Tj ET Q q 0 0 0 rg BT 298.33 131.10 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 344.06 131.10 Td (option ) Tj ET Q q 0 0 0 rg BT 372.58 131.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 413.31 131.10 Td (that ) Tj ET Q q 0 0 0 rg BT 431.26 131.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 460.88 131.10 Td (beyond ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.28 131.10 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.72 131.10 Td ( ) Tj ET Q q 0 0 0 rg BT 510.69 131.10 Td (year) Tj ET Q q 0 0 0 rg BT 527.34 131.10 Td (. ) Tj ET Q q 0 0 0 rg BT 532.59 131.10 Td (W) Tj ET Q q 0 0 0 rg BT 541.23 131.10 Td (e ) Tj ET Q q 0 0 0 rg BT 548.63 131.10 Td (sell ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 119.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 75.12 119.10 Td (service ) Tj ET Q q 0 0 0 rg BT 105.74 119.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 153.57 119.10 Td (and ) Tj ET Q q 0 0 0 rg BT 170.32 119.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 195.38 119.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 236.00 119.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 274.40 119.10 Td (on ) Tj ET Q q 0 0 0 rg BT 286.70 119.10 Td (behalf ) Tj ET Q q 0 0 0 rg BT 313.99 119.10 Td (of ) Tj ET Q q 0 0 0 rg BT 324.63 119.10 Td (unrelated ) Tj ET Q q 0 0 0 rg BT 364.13 119.10 Td (third-parties. ) Tj ET Q q 0 0 0 rg BT 417.81 119.10 Td (For ) Tj ET Q q 0 0 0 rg BT 434.00 119.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 472.40 119.10 Td (where ) Tj ET Q q 0 0 0 rg BT 499.13 119.10 Td (third-parties ) Tj ET Q q 0 0 0 rg BT 550.31 119.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 107.10 Td (the ) Tj ET Q q 0 0 0 rg BT 63.50 107.10 Td (obligor ) Tj ET Q q 0 0 0 rg BT 94.16 107.10 Td (on ) Tj ET Q q 0 0 0 rg BT 105.94 107.10 Td (the ) Tj ET Q q 0 0 0 rg BT 119.94 107.10 Td (contract, ) Tj ET Q q 0 0 0 rg BT 156.42 107.10 Td (commissions ) Tj ET Q q 0 0 0 rg BT 210.42 107.10 Td (are ) Tj ET Q q 0 0 0 rg BT 224.41 107.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 270.05 107.10 Td (in ) Tj ET Q q 0 0 0 rg BT 279.61 107.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 313.03 107.10 Td (at ) Tj ET Q q 0 0 0 rg BT 322.03 107.10 Td (the ) Tj ET Q q 0 0 0 rg BT 336.02 107.10 Td (time ) Tj ET Q q 0 0 0 rg BT 355.57 107.10 Td (of ) Tj ET Q q 0 0 0 rg BT 365.68 107.10 Td (sale, ) Tj ET Q q 0 0 0 rg BT 385.51 107.10 Td (and ) Tj ET Q q 0 0 0 rg BT 401.73 107.10 Td (in ) Tj ET Q q 0 0 0 rg BT 411.28 107.10 Td (the ) Tj ET Q q 0 0 0 rg BT 425.28 107.10 Td (case ) Tj ET Q q 0 0 0 rg BT 444.26 107.10 Td (of ) Tj ET Q q 0 0 0 rg BT 454.37 107.10 Td (retrospective ) Tj ET Q q 0 0 0 rg BT 507.79 107.10 Td (commissions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 95.10 Td (when ) Tj ET Q q 0 0 0 rg BT 73.66 95.10 Td (earned.Service ) Tj ET Q q 0 0 0 rg BT 137.79 95.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 175.83 95.10 Td (are ) Tj ET Q q 0 0 0 rg BT 190.54 95.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 236.90 95.10 Td (at ) Tj ET Q q 0 0 0 rg BT 246.61 95.10 Td (the ) Tj ET Q q 0 0 0 rg BT 261.33 95.10 Td (time ) Tj ET Q q 0 0 0 rg BT 281.60 95.10 Td (service ) Tj ET Q q 0 0 0 rg BT 312.42 95.10 Td (is ) Tj ET Q q 0 0 0 rg BT 321.59 95.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 359.64 95.10 Td (to ) Tj ET Q q 0 0 0 rg BT 369.92 95.10 Td (the ) Tj ET Q q 0 0 0 rg BT 384.63 95.10 Td (customer) Tj ET Q q 0 0 0 rg BT 420.74 95.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 77.10 Td (Sales ) Tj ET Q q 0 0 0 rg BT 72.68 77.10 Td (financed ) Tj ET Q q 0 0 0 rg BT 109.18 77.10 Td (by ) Tj ET Q q 0 0 0 rg BT 121.25 77.10 Td (us ) Tj ET Q q 0 0 0 rg BT 132.22 77.10 Td (under ) Tj ET Q q 0 0 0 rg BT 157.06 77.10 Td (short-term, ) Tj ET Q q 0 0 0 rg BT 203.29 77.10 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 248.13 77.10 Td (option ) Tj ET Q q 0 0 0 rg BT 275.76 77.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 300.60 77.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 340.44 77.10 Td (are ) Tj ET Q q 0 0 0 rg BT 354.72 77.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 400.66 77.10 Td (at ) Tj ET Q q 0 0 0 rg BT 409.95 77.10 Td (the ) Tj ET Q q 0 0 0 rg BT 424.24 77.10 Td (time ) Tj ET Q q 0 0 0 rg BT 444.09 77.10 Td (the ) Tj ET Q q 0 0 0 rg BT 458.38 77.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 497.11 77.10 Td (takes ) Tj ET Q q 0 0 0 rg BT 519.73 77.10 Td (possession ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 65.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.02 65.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.42 65.10 Td (product, ) Tj ET Q q 0 0 0 rg BT 112.66 65.10 Td (consistent ) Tj ET Q q 0 0 0 rg BT 155.84 65.10 Td (with ) Tj ET Q q 0 0 0 rg BT 176.81 65.10 Td (the ) Tj ET Q q 0 0 0 rg BT 192.21 65.10 Td (above ) Tj ET Q q 0 0 0 rg BT 219.28 65.10 Td (stated ) Tj ET Q q 0 0 0 rg BT 245.79 65.10 Td (policy) Tj ET Q q 0 0 0 rg BT 270.14 65.10 Td (. ) Tj ET Q q 0 0 0 rg BT 275.83 65.10 Td ( ) Tj ET Q q 0 0 0 rg BT 279.02 65.10 Td (Sales ) Tj ET Q q 0 0 0 rg BT 303.31 65.10 Td (financed ) Tj ET Q q 0 0 0 rg BT 340.93 65.10 Td (by ) Tj ET Q q 0 0 0 rg BT 354.11 65.10 Td (us ) Tj ET Q q 0 0 0 rg BT 366.19 65.10 Td (under ) Tj ET Q q 0 0 0 rg BT 392.15 65.10 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 438.10 65.10 Td (option ) Tj ET Q q 0 0 0 rg BT 466.85 65.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 507.81 65.10 Td (with ) Tj ET Q q 0 0 0 rg BT 528.77 65.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 554.18 65.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 53.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 79.51 53.10 Td (than ) Tj ET Q q 0 0 0 rg BT 98.99 53.10 Td (one ) Tj ET Q q 0 0 0 rg BT 115.68 53.10 Td (year ) Tj ET Q q 0 0 0 rg BT 135.15 53.10 Td (are ) Tj ET Q q 0 0 0 rg BT 149.61 53.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 186.84 53.10 Td (at ) Tj ET Q q 0 0 0 rg BT 196.32 53.10 Td (their ) Tj ET Q q 0 0 0 rg BT 216.90 53.10 Td (net ) Tj ET Q q 0 0 0 rg BT 231.37 53.10 Td (present ) Tj ET Q q 0 0 0 rg BT 262.51 53.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 288.92 53.10 Td ( ) Tj ET Q q 0 0 0 rg BT 291.18 53.10 Td (Sales ) Tj ET Q q 0 0 0 rg BT 314.54 53.10 Td (of ) Tj ET Q q 0 0 0 rg BT 325.13 53.10 Td (products ) Tj ET Q q 0 0 0 rg BT 361.83 53.10 Td (financed ) Tj ET Q q 0 0 0 rg BT 398.51 53.10 Td (through ) Tj ET Q q 0 0 0 rg BT 431.87 53.10 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 476.89 53.10 Td (option ) Tj ET Q q 0 0 0 rg BT 504.71 53.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 544.73 53.10 Td (with ) Tj ET Q endstream endobj 137 0 obj <>] /Rotate 0 /Contents 138 0 R>> endobj 138 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (67) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 731.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 74.29 731.10 Td (of ) Tj ET Q q 0 0 0 rg BT 85.20 731.10 Td (one ) Tj ET Q q 0 0 0 rg BT 102.22 731.10 Td (year ) Tj ET Q q 0 0 0 rg BT 122.00 731.10 Td (or ) Tj ET Q q 0 0 0 rg BT 132.91 731.10 Td (less ) Tj ET Q q 0 0 0 rg BT 150.49 731.10 Td (are ) Tj ET Q q 0 0 0 rg BT 165.28 731.10 Td (not ) Tj ET Q q 0 0 0 rg BT 180.63 731.10 Td (discounted. ) Tj ET Q q 0 0 0 rg BT 229.04 731.10 Td ( ) Tj ET Q q 0 0 0 rg BT 231.61 731.10 Td (Sales ) Tj ET Q q 0 0 0 rg BT 255.30 731.10 Td (financed ) Tj ET Q q 0 0 0 rg BT 292.30 731.10 Td (through ) Tj ET Q q 0 0 0 rg BT 325.99 731.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 371.33 731.10 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 416.67 731.10 Td (option ) Tj ET Q q 0 0 0 rg BT 444.81 731.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 485.15 731.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 522.72 731.10 Td (require ) Tj ET Q q 0 0 0 rg BT 553.62 731.10 Td (us ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 719.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.27 719.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 75.70 719.10 Td (the ) Tj ET Q q 0 0 0 rg BT 89.91 719.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 134.67 719.10 Td (a ) Tj ET Q q 0 0 0 rg BT 141.10 719.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 155.30 719.10 Td (on ) Tj ET Q q 0 0 0 rg BT 167.29 719.10 Td (each ) Tj ET Q q 0 0 0 rg BT 187.60 719.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 231.24 719.10 Td (sale, ) Tj ET Q q 0 0 0 rg BT 251.28 719.10 Td (which ) Tj ET Q q 0 0 0 rg BT 277.71 719.10 Td (is ) Tj ET Q q 0 0 0 rg BT 286.37 719.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 323.34 719.10 Td (as ) Tj ET Q q 0 0 0 rg BT 333.66 719.10 Td (a ) Tj ET Q q 0 0 0 rg BT 340.09 719.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 379.85 719.10 Td (of ) Tj ET Q q 0 0 0 rg BT 390.17 719.10 Td (net ) Tj ET Q q 0 0 0 rg BT 404.38 719.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 425.81 719.10 Td (in ) Tj ET Q q 0 0 0 rg BT 435.58 719.10 Td (the ) Tj ET Q q 0 0 0 rg BT 449.79 719.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 472.32 719.10 Td (segment.) Tj ET Q q 0 0 0 rg BT 510.10 719.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 560.00 719.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 707.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.39 707.10 Td (part ) Tj ET Q q 0 0 0 rg BT 78.49 707.10 Td (of ) Tj ET Q q 0 0 0 rg BT 89.38 707.10 Td (our ) Tj ET Q q 0 0 0 rg BT 105.26 707.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 149.46 707.10 Td (with ) Tj ET Q q 0 0 0 rg BT 169.79 707.10 Td (our ) Tj ET Q q 0 0 0 rg BT 185.68 707.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 231.00 707.10 Td (provider ) Tj ET Q q 0 0 0 rg BT 267.43 707.10 Td (of ) Tj ET Q q 0 0 0 rg BT 278.32 707.10 Td (no-interest ) Tj ET Q q 0 0 0 rg BT 323.64 707.10 Td (option ) Tj ET Q q 0 0 0 rg BT 351.75 707.10 Td (programs, ) Tj ET Q q 0 0 0 rg BT 394.58 707.10 Td (we ) Tj ET Q q 0 0 0 rg BT 408.79 707.10 Td (may ) Tj ET Q q 0 0 0 rg BT 428.56 707.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 459.98 707.10 Td (retrospective ) Tj ET Q q 0 0 0 rg BT 514.18 707.10 Td (commission ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 695.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 87.54 695.10 Td (based ) Tj ET Q q 0 0 0 rg BT 112.81 695.10 Td (on ) Tj ET Q q 0 0 0 rg BT 125.31 695.10 Td (the ) Tj ET Q q 0 0 0 rg BT 140.02 695.10 Td (total ) Tj ET Q q 0 0 0 rg BT 160.30 695.10 Td (dollar ) Tj ET Q q 0 0 0 rg BT 186.12 695.10 Td (value ) Tj ET Q q 0 0 0 rg BT 210.28 695.10 Td (of ) Tj ET Q q 0 0 0 rg BT 221.11 695.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 243.04 695.10 Td (made ) Tj ET Q q 0 0 0 rg BT 267.20 695.10 Td (under ) Tj ET Q q 0 0 0 rg BT 292.47 695.10 Td (our ) Tj ET Q q 0 0 0 rg BT 308.30 695.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 353.56 695.10 Td (provider) Tj ET Q q 0 0 0 rg BT 386.89 695.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 677.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 677.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.21 677.10 Td (classify ) Tj ET Q q 0 0 0 rg BT 98.39 677.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 134.91 677.10 Td (billed ) Tj ET Q q 0 0 0 rg BT 160.31 677.10 Td (to ) Tj ET Q q 0 0 0 rg BT 170.72 677.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 213.90 677.10 Td (for ) Tj ET Q q 0 0 0 rg BT 228.19 677.10 Td (delivery) Tj ET Q q 0 0 0 rg BT 260.31 677.10 Td (, ) Tj ET Q q 0 0 0 rg BT 265.44 677.10 Td (transportation ) Tj ET Q q 0 0 0 rg BT 323.61 677.10 Td (and ) Tj ET Q q 0 0 0 rg BT 340.68 677.10 Td (handling ) Tj ET Q q 0 0 0 rg BT 378.31 677.10 Td (as ) Tj ET Q q 0 0 0 rg BT 389.27 677.10 Td (revenues, ) Tj ET Q q 0 0 0 rg BT 429.94 677.10 Td (with ) Tj ET Q q 0 0 0 rg BT 450.35 677.10 Td (the ) Tj ET Q q 0 0 0 rg BT 465.20 677.10 Td (related ) Tj ET Q q 0 0 0 rg BT 495.03 677.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 517.66 677.10 Td (included ) Tj ET Q q 0 0 0 rg BT 554.73 677.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 665.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 68.11 665.10 Td (of ) Tj ET Q q 0 0 0 rg BT 78.94 665.10 Td (goods ) Tj ET Q q 0 0 0 rg BT 105.33 665.10 Td (sold.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 647.10 Td (Expense ) Tj ET Q q 0 0 0 rg BT 86.80 647.10 Td (Classifications) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.37 647.10 Td (. ) Tj ET Q q 0 0 0 rg BT 152.00 647.10 Td (W) Tj ET Q q 0 0 0 rg BT 160.64 647.10 Td (e ) Tj ET Q q 0 0 0 rg BT 167.38 647.10 Td (record ) Tj ET Q q 0 0 0 rg BT 195.22 647.10 Td (as ) Tj ET Q q 0 0 0 rg BT 205.85 647.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 224.27 647.10 Td (of ) Tj ET Q q 0 0 0 rg BT 234.90 647.10 Td (goods ) Tj ET Q q 0 0 0 rg BT 261.09 647.10 Td (sold, ) Tj ET Q q 0 0 0 rg BT 282.56 647.10 Td (the ) Tj ET Q q 0 0 0 rg BT 297.08 647.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 322.15 647.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 340.56 647.10 Td (of ) Tj ET Q q 0 0 0 rg BT 351.19 647.10 Td (products ) Tj ET Q q 0 0 0 rg BT 387.93 647.10 Td (and ) Tj ET Q q 0 0 0 rg BT 404.67 647.10 Td (parts ) Tj ET Q q 0 0 0 rg BT 426.41 647.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 445.39 647.10 Td (and ) Tj ET Q q 0 0 0 rg BT 462.13 647.10 Td (related ) Tj ET Q q 0 0 0 rg BT 491.63 647.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 513.93 647.10 Td (for ) Tj ET Q q 0 0 0 rg BT 527.90 647.10 Td (delivery) Tj ET Q q 0 0 0 rg BT 560.01 647.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 635.10 Td (transportation ) Tj ET Q q 0 0 0 rg BT 106.59 635.10 Td (and ) Tj ET Q q 0 0 0 rg BT 122.58 635.10 Td (handling, ) Tj ET Q q 0 0 0 rg BT 161.62 635.10 Td (inbound ) Tj ET Q q 0 0 0 rg BT 195.95 635.10 Td (freight, ) Tj ET Q q 0 0 0 rg BT 226.66 635.10 Td (receiving, ) Tj ET Q q 0 0 0 rg BT 267.91 635.10 Td (inspection, ) Tj ET Q q 0 0 0 rg BT 313.06 635.10 Td (and ) Tj ET Q q 0 0 0 rg BT 329.05 635.10 Td (other ) Tj ET Q q 0 0 0 rg BT 351.14 635.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 372.69 635.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 415.34 635.10 Td (with ) Tj ET Q q 0 0 0 rg BT 434.66 635.10 Td (the ) Tj ET Q q 0 0 0 rg BT 448.43 635.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 491.63 635.10 Td (of ) Tj ET Q q 0 0 0 rg BT 501.51 635.10 Td (our ) Tj ET Q q 0 0 0 rg BT 516.39 635.10 Td (distribution ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 623.10 Td (system, ) Tj ET Q q 0 0 0 rg BT 82.83 623.10 Td (including ) Tj ET Q q 0 0 0 rg BT 123.67 623.10 Td (occupancy ) Tj ET Q q 0 0 0 rg BT 169.48 623.10 Td (related ) Tj ET Q q 0 0 0 rg BT 199.73 623.10 Td (to ) Tj ET Q q 0 0 0 rg BT 210.57 623.10 Td (our ) Tj ET Q q 0 0 0 rg BT 226.96 623.10 Td (warehousing ) Tj ET Q q 0 0 0 rg BT 281.11 623.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 328.10 623.10 Td (The ) Tj ET Q q 0 0 0 rg BT 346.71 623.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 369.76 623.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 413.91 623.10 Td (with ) Tj ET Q q 0 0 0 rg BT 434.75 623.10 Td (our ) Tj ET Q q 0 0 0 rg BT 451.13 623.10 Td (merchandising, ) Tj ET Q q 0 0 0 rg BT 515.56 623.10 Td (advertising, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 611.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 71.44 611.10 Td (commissions, ) Tj ET Q q 0 0 0 rg BT 128.67 611.10 Td (and ) Tj ET Q q 0 0 0 rg BT 145.60 611.10 Td (all ) Tj ET Q q 0 0 0 rg BT 158.10 611.10 Td (store ) Tj ET Q q 0 0 0 rg BT 180.04 611.10 Td (occupancy ) Tj ET Q q 0 0 0 rg BT 225.29 611.10 Td (costs, ) Tj ET Q q 0 0 0 rg BT 250.29 611.10 Td (are ) Tj ET Q q 0 0 0 rg BT 265.00 611.10 Td (included ) Tj ET Q q 0 0 0 rg BT 301.93 611.10 Td (in ) Tj ET Q q 0 0 0 rg BT 312.21 611.10 Td (SG&A.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 593.10 Td (Advertising ) Tj ET Q q 0 0 0 rg BT 99.82 593.10 Td (Costs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.56 593.10 Td ( ) Tj ET Q q 0 0 0 rg BT 126.97 593.10 Td (Advertising ) Tj ET Q q 0 0 0 rg BT 177.29 593.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 200.38 593.10 Td (are ) Tj ET Q q 0 0 0 rg BT 215.69 593.10 Td (expensed ) Tj ET Q q 0 0 0 rg BT 255.99 593.10 Td (as ) Tj ET Q q 0 0 0 rg BT 267.42 593.10 Td (incurred. ) Tj ET Q q 0 0 0 rg BT 306.34 593.10 Td (For ) Tj ET Q q 0 0 0 rg BT 323.33 593.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 348.08 593.10 Td (years ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.28 593.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.28 593.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.87 593.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.87 593.10 Td ( ) Tj ET Q q 0 0 0 rg BT 420.97 593.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.51 593.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.51 593.10 Td (, ) Tj ET Q q 0 0 0 rg BT 464.11 593.10 Td (advertising ) Tj ET Q q 0 0 0 rg BT 511.64 593.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 546.94 593.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 581.10 Td ($86.8 ) Tj ET Q q 0 0 0 rg BT 74.50 581.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.39 581.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.39 581.10 Td ($92.9 ) Tj ET Q q 0 0 0 rg BT 133.39 581.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.28 581.10 Td ( ) Tj ET Q q 0 0 0 rg BT 164.78 581.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.72 581.10 Td ($89.9 ) Tj ET Q q 0 0 0 rg BT 206.72 581.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.61 581.10 Td (, ) Tj ET Q q 0 0 0 rg BT 240.61 581.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 288.27 581.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 563.10 Td (Stock-based ) Tj ET Q q 0 0 0 rg BT 103.47 563.10 Td (Compensation) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 162.93 563.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.43 563.10 Td ( ) Tj ET Q q 0 0 0 rg BT 169.97 563.10 Td ( ) Tj ET Q q 0 0 0 rg BT 174.50 563.10 Td (Stock-based ) Tj ET Q q 0 0 0 rg BT 227.92 563.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 287.99 563.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 324.74 563.10 Td (is ) Tj ET Q q 0 0 0 rg BT 335.94 563.10 Td (recorded, ) Tj ET Q q 0 0 0 rg BT 377.95 563.10 Td (net ) Tj ET Q q 0 0 0 rg BT 394.71 563.10 Td (of ) Tj ET Q q 0 0 0 rg BT 407.57 563.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 450.43 563.10 Td (forfeitures, ) Tj ET Q q 0 0 0 rg BT 499.11 563.10 Td (for ) Tj ET Q q 0 0 0 rg BT 515.30 563.10 Td (share-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 551.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 108.11 551.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 139.50 551.10 Td (over ) Tj ET Q q 0 0 0 rg BT 160.33 551.10 Td (the ) Tj ET Q q 0 0 0 rg BT 175.62 551.10 Td (requisite ) Tj ET Q q 0 0 0 rg BT 213.12 551.10 Td (service ) Tj ET Q q 0 0 0 rg BT 244.50 551.10 Td (period ) Tj ET Q q 0 0 0 rg BT 273.12 551.10 Td (using ) Tj ET Q q 0 0 0 rg BT 297.86 551.10 Td (the ) Tj ET Q q 0 0 0 rg BT 313.14 551.10 Td (straight-line ) Tj ET Q q 0 0 0 rg BT 364.53 551.10 Td (method. ) Tj ET Q q 0 0 0 rg BT 399.42 551.10 Td (An ) Tj ET Q q 0 0 0 rg BT 414.70 551.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 461.65 551.10 Td (is ) Tj ET Q q 0 0 0 rg BT 471.39 551.10 Td (made ) Tj ET Q q 0 0 0 rg BT 496.12 551.10 Td (to ) Tj ET Q q 0 0 0 rg BT 506.96 551.10 Td (compensation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 539.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 68.83 539.10 Td (for ) Tj ET Q q 0 0 0 rg BT 83.71 539.10 Td (any ) Tj ET Q q 0 0 0 rg BT 101.38 539.10 Td (dif) Tj ET Q q 0 0 0 rg BT 112.30 539.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 144.94 539.10 Td (between ) Tj ET Q q 0 0 0 rg BT 181.48 539.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.92 539.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 238.46 539.10 Td (forfeitures ) Tj ET Q q 0 0 0 rg BT 283.33 539.10 Td (and ) Tj ET Q q 0 0 0 rg BT 300.99 539.10 Td (the ) Tj ET Q q 0 0 0 rg BT 316.43 539.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 343.52 539.10 Td (forfeitures ) Tj ET Q q 0 0 0 rg BT 388.39 539.10 Td (related ) Tj ET Q q 0 0 0 rg BT 418.82 539.10 Td (to ) Tj ET Q q 0 0 0 rg BT 429.82 539.10 Td (the ) Tj ET Q q 0 0 0 rg BT 445.26 539.10 Td (awards. ) Tj ET Q q 0 0 0 rg BT 479.30 539.10 Td (For ) Tj ET Q q 0 0 0 rg BT 496.41 539.10 Td (equity-classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 527.10 Td (share-based ) Tj ET Q q 0 0 0 rg BT 99.25 527.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 157.34 527.10 Td (awards, ) Tj ET Q q 0 0 0 rg BT 190.71 527.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 225.47 527.10 Td (is ) Tj ET Q q 0 0 0 rg BT 234.69 527.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 281.10 527.10 Td (based ) Tj ET Q q 0 0 0 rg BT 306.42 527.10 Td (on ) Tj ET Q q 0 0 0 rg BT 318.97 527.10 Td (the ) Tj ET Q q 0 0 0 rg BT 333.74 527.10 Td (grant-date ) Tj ET Q q 0 0 0 rg BT 376.82 527.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 393.25 527.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 419.95 527.10 Td ( ) Tj ET Q q 0 0 0 rg BT 422.50 527.10 Td (For ) Tj ET Q q 0 0 0 rg BT 438.94 527.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 462.60 527.10 Td (option ) Tj ET Q q 0 0 0 rg BT 490.71 527.10 Td (grants, ) Tj ET Q q 0 0 0 rg BT 520.20 527.10 Td (we ) Tj ET Q q 0 0 0 rg BT 534.41 527.10 Td (use ) Tj ET Q q 0 0 0 rg BT 550.29 527.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 515.10 Td (Black-Scholes ) Tj ET Q q 0 0 0 rg BT 109.63 515.10 Td (model ) Tj ET Q q 0 0 0 rg BT 136.99 515.10 Td (to ) Tj ET Q q 0 0 0 rg BT 147.14 515.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 189.49 515.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 205.73 515.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 232.25 515.10 Td (For ) Tj ET Q q 0 0 0 rg BT 248.51 515.10 Td (grants ) Tj ET Q q 0 0 0 rg BT 275.32 515.10 Td (of ) Tj ET Q q 0 0 0 rg BT 286.01 515.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 325.58 515.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 349.06 515.10 Td (units, ) Tj ET Q q 0 0 0 rg BT 373.38 515.10 Td (the ) Tj ET Q q 0 0 0 rg BT 387.96 515.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 404.20 515.10 Td (value ) Tj ET Q q 0 0 0 rg BT 428.23 515.10 Td (of ) Tj ET Q q 0 0 0 rg BT 438.92 515.10 Td (the ) Tj ET Q q 0 0 0 rg BT 453.51 515.10 Td (grant ) Tj ET Q q 0 0 0 rg BT 476.42 515.10 Td (is ) Tj ET Q q 0 0 0 rg BT 485.46 515.10 Td (the ) Tj ET Q q 0 0 0 rg BT 500.04 515.10 Td (market ) Tj ET Q q 0 0 0 rg BT 530.17 515.10 Td (value ) Tj ET Q q 0 0 0 rg BT 554.20 515.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 503.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.50 503.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 89.28 503.10 Td (at ) Tj ET Q q 0 0 0 rg BT 99.17 503.10 Td (the ) Tj ET Q q 0 0 0 rg BT 114.05 503.10 Td (date ) Tj ET Q q 0 0 0 rg BT 133.38 503.10 Td (of ) Tj ET Q q 0 0 0 rg BT 144.38 503.10 Td (issuance. ) Tj ET Q q 0 0 0 rg BT 183.42 503.10 Td (For ) Tj ET Q q 0 0 0 rg BT 199.99 503.10 Td (grants ) Tj ET Q q 0 0 0 rg BT 227.09 503.10 Td (of ) Tj ET Q q 0 0 0 rg BT 238.09 503.10 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 317.38 503.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 357.26 503.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 381.04 503.10 Td (units, ) Tj ET Q q 0 0 0 rg BT 405.65 503.10 Td (the ) Tj ET Q q 0 0 0 rg BT 420.54 503.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 437.09 503.10 Td (value ) Tj ET Q q 0 0 0 rg BT 461.41 503.10 Td (of ) Tj ET Q q 0 0 0 rg BT 472.41 503.10 Td (the ) Tj ET Q q 0 0 0 rg BT 487.30 503.10 Td (grant ) Tj ET Q q 0 0 0 rg BT 510.52 503.10 Td (is ) Tj ET Q q 0 0 0 rg BT 519.86 503.10 Td (the ) Tj ET Q q 0 0 0 rg BT 534.74 503.10 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 491.10 Td (value ) Tj ET Q q 0 0 0 rg BT 73.66 491.10 Td (of ) Tj ET Q q 0 0 0 rg BT 84.49 491.10 Td (our ) Tj ET Q q 0 0 0 rg BT 100.32 491.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 123.92 491.10 Td (at ) Tj ET Q q 0 0 0 rg BT 133.64 491.10 Td (the ) Tj ET Q q 0 0 0 rg BT 148.36 491.10 Td (date ) Tj ET Q q 0 0 0 rg BT 167.51 491.10 Td (of ) Tj ET Q q 0 0 0 rg BT 178.34 491.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 214.72 491.10 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 250.54 491.10 Td (for ) Tj ET Q q 0 0 0 rg BT 264.71 491.10 Td (a ) Tj ET Q q 0 0 0 rg BT 271.64 491.10 Td (market ) Tj ET Q q 0 0 0 rg BT 301.91 491.10 Td (condition, ) Tj ET Q q 0 0 0 rg BT 344.68 491.10 Td (a ) Tj ET Q q 0 0 0 rg BT 351.62 491.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 404.64 491.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 444.92 491.10 Td (and ) Tj ET Q q 0 0 0 rg BT 461.85 491.10 Td (a ) Tj ET Q q 0 0 0 rg BT 468.79 491.10 Td (service ) Tj ET Q q 0 0 0 rg BT 499.61 491.10 Td (condition.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 473.10 Td (Self-insurance) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 110.06 473.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.56 473.10 Td ( ) Tj ET Q q 0 0 0 rg BT 115.22 473.10 Td (W) Tj ET Q q 0 0 0 rg BT 123.85 473.10 Td (e ) Tj ET Q q 0 0 0 rg BT 131.15 473.10 Td (are ) Tj ET Q q 0 0 0 rg BT 146.22 473.10 Td (self-insured ) Tj ET Q q 0 0 0 rg BT 196.29 473.10 Td (for ) Tj ET Q q 0 0 0 rg BT 210.81 473.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 240.88 473.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 267.63 473.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 301.03 473.10 Td (to ) Tj ET Q q 0 0 0 rg BT 311.67 473.10 Td (group ) Tj ET Q q 0 0 0 rg BT 337.86 473.10 Td (health, ) Tj ET Q q 0 0 0 rg BT 367.66 473.10 Td (workers' ) Tj ET Q q 0 0 0 rg BT 404.53 473.10 Td (compensation, ) Tj ET Q q 0 0 0 rg BT 465.44 473.10 Td (automobile, ) Tj ET Q q 0 0 0 rg BT 515.79 473.10 Td (general ) Tj ET Q q 0 0 0 rg BT 548.07 473.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 461.10 Td (product ) Tj ET Q q 0 0 0 rg BT 83.30 461.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 117.66 461.10 Td (claims. ) Tj ET Q q 0 0 0 rg BT 149.28 461.10 Td (W) Tj ET Q q 0 0 0 rg BT 157.92 461.10 Td (e ) Tj ET Q q 0 0 0 rg BT 165.61 461.10 Td (have ) Tj ET Q q 0 0 0 rg BT 187.74 461.10 Td (stop-loss ) Tj ET Q q 0 0 0 rg BT 226.55 461.10 Td (coverage ) Tj ET Q q 0 0 0 rg BT 265.89 461.10 Td (to ) Tj ET Q q 0 0 0 rg BT 276.92 461.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 299.06 461.10 Td (the ) Tj ET Q q 0 0 0 rg BT 314.53 461.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 353.88 461.10 Td (arising ) Tj ET Q q 0 0 0 rg BT 384.35 461.10 Td (from ) Tj ET Q q 0 0 0 rg BT 407.04 461.10 Td (these ) Tj ET Q q 0 0 0 rg BT 430.84 461.10 Td (claims. ) Tj ET Q q 0 0 0 rg BT 462.69 461.10 Td (Self-insurance ) Tj ET Q q 0 0 0 rg BT 523.70 461.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 550.84 461.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 449.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 78.29 449.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 99.30 449.10 Td (and ) Tj ET Q q 0 0 0 rg BT 116.43 449.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 145.22 449.10 Td (incurred, ) Tj ET Q q 0 0 0 rg BT 183.73 449.10 Td (but ) Tj ET Q q 0 0 0 rg BT 199.19 449.10 Td (not ) Tj ET Q q 0 0 0 rg BT 214.66 449.10 Td (reported, ) Tj ET Q q 0 0 0 rg BT 253.16 449.10 Td (are ) Tj ET Q q 0 0 0 rg BT 268.06 449.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 301.83 449.10 Td (based ) Tj ET Q q 0 0 0 rg BT 327.29 449.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 349.97 449.10 Td (our ) Tj ET Q q 0 0 0 rg BT 365.99 449.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 405.89 449.10 Td (of ) Tj ET Q q 0 0 0 rg BT 416.91 449.10 Td (the ) Tj ET Q q 0 0 0 rg BT 431.81 449.10 Td (net ) Tj ET Q q 0 0 0 rg BT 446.72 449.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 488.27 449.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 522.07 449.10 Td (for ) Tj ET Q q 0 0 0 rg BT 536.41 449.10 Td (claims ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 437.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 85.32 437.10 Td (using ) Tj ET Q q 0 0 0 rg BT 109.49 437.10 Td (development ) Tj ET Q q 0 0 0 rg BT 163.64 437.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 193.34 437.10 Td (based ) Tj ET Q q 0 0 0 rg BT 218.61 437.10 Td (on ) Tj ET Q q 0 0 0 rg BT 231.11 437.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 270.82 437.10 Td (experience.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 419.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 82.34 419.10 Td (T) Tj ET Q q 0 0 0 rg BT 87.53 419.10 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.86 419.10 Td (. ) Tj ET Q q 0 0 0 rg BT 109.97 419.10 Td (W) Tj ET Q q 0 0 0 rg BT 118.61 419.10 Td (e ) Tj ET Q q 0 0 0 rg BT 124.78 419.10 Td (are ) Tj ET Q q 0 0 0 rg BT 138.72 419.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 168.78 419.10 Td (to ) Tj ET Q q 0 0 0 rg BT 178.29 419.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 197.81 419.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 227.29 419.10 Td (income ) Tj ET Q q 0 0 0 rg BT 258.46 419.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 272.41 419.10 Td (as ) Tj ET Q q 0 0 0 rg BT 282.48 419.10 Td (well ) Tj ET Q q 0 0 0 rg BT 301.43 419.10 Td (as ) Tj ET Q q 0 0 0 rg BT 311.49 419.10 Td (income ) Tj ET Q q 0 0 0 rg BT 342.66 419.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 356.61 419.10 Td (in ) Tj ET Q q 0 0 0 rg BT 366.12 419.10 Td (multiple ) Tj ET Q q 0 0 0 rg BT 401.18 419.10 Td (state ) Tj ET Q q 0 0 0 rg BT 421.24 419.10 Td (jurisdictions. ) Tj ET Q q 0 0 0 rg BT 474.79 419.10 Td (W) Tj ET Q q 0 0 0 rg BT 483.43 419.10 Td (e ) Tj ET Q q 0 0 0 rg BT 489.60 419.10 Td (follow ) Tj ET Q q 0 0 0 rg BT 517.44 419.10 Td (the ) Tj ET Q q 0 0 0 rg BT 531.39 419.10 Td (liability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 407.10 Td (method ) Tj ET Q q 0 0 0 rg BT 81.89 407.10 Td (of ) Tj ET Q q 0 0 0 rg BT 92.62 407.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 138.89 407.10 Td (for ) Tj ET Q q 0 0 0 rg BT 152.95 407.10 Td (income ) Tj ET Q q 0 0 0 rg BT 184.79 407.10 Td (taxes. ) Tj ET Q q 0 0 0 rg BT 210.23 407.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 237.62 407.10 Td (this ) Tj ET Q q 0 0 0 rg BT 254.47 407.10 Td (method, ) Tj ET Q q 0 0 0 rg BT 289.36 407.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 325.07 407.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 339.68 407.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 365.41 407.10 Td (and ) Tj ET Q q 0 0 0 rg BT 382.25 407.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 421.86 407.10 Td (are ) Tj ET Q q 0 0 0 rg BT 436.47 407.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 483.85 407.10 Td (based ) Tj ET Q q 0 0 0 rg BT 509.02 407.10 Td (on ) Tj ET Q q 0 0 0 rg BT 521.42 407.10 Td (temporary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 395.10 Td (dif) Tj ET Q q 0 0 0 rg BT 60.43 395.10 Td (ferences ) Tj ET Q q 0 0 0 rg BT 95.99 395.10 Td (between ) Tj ET Q q 0 0 0 rg BT 131.57 395.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 158.42 395.10 Td ( ) Tj ET Q q 0 0 0 rg BT 160.68 395.10 Td (and ) Tj ET Q q 0 0 0 rg BT 177.38 395.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 191.85 395.10 Td (bases ) Tj ET Q q 0 0 0 rg BT 215.77 395.10 Td (of ) Tj ET Q q 0 0 0 rg BT 226.36 395.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 251.95 395.10 Td (and ) Tj ET Q q 0 0 0 rg BT 268.64 395.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 308.12 395.10 Td (and ) Tj ET Q q 0 0 0 rg BT 324.81 395.10 Td (for ) Tj ET Q q 0 0 0 rg BT 338.73 395.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 378.76 395.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 396.58 395.10 Td (and ) Tj ET Q q 0 0 0 rg BT 413.27 395.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 427.75 395.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 452.77 395.10 Td (carryforwards, ) Tj ET Q q 0 0 0 rg BT 513.61 395.10 Td (as ) Tj ET Q q 0 0 0 rg BT 524.19 395.10 Td (measured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 383.10 Td (using ) Tj ET Q q 0 0 0 rg BT 73.16 383.10 Td (the ) Tj ET Q q 0 0 0 rg BT 87.36 383.10 Td (enacted ) Tj ET Q q 0 0 0 rg BT 119.88 383.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 134.08 383.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 154.94 383.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 192.46 383.10 Td (to ) Tj ET Q q 0 0 0 rg BT 202.23 383.10 Td (be ) Tj ET Q q 0 0 0 rg BT 213.65 383.10 Td (in ) Tj ET Q q 0 0 0 rg BT 223.42 383.10 Td (ef) Tj ET Q q 0 0 0 rg BT 231.00 383.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 247.98 383.10 Td (when ) Tj ET Q q 0 0 0 rg BT 271.62 383.10 Td (the ) Tj ET Q q 0 0 0 rg BT 285.83 383.10 Td (temporary ) Tj ET Q q 0 0 0 rg BT 328.91 383.10 Td (dif) Tj ET Q q 0 0 0 rg BT 339.83 383.10 Td (ferences ) Tj ET Q q 0 0 0 rg BT 375.13 383.10 Td (are ) Tj ET Q q 0 0 0 rg BT 389.32 383.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 426.84 383.10 Td (to ) Tj ET Q q 0 0 0 rg BT 436.60 383.10 Td (be ) Tj ET Q q 0 0 0 rg BT 448.03 383.10 Td (realized ) Tj ET Q q 0 0 0 rg BT 481.65 383.10 Td (or ) Tj ET Q q 0 0 0 rg BT 491.97 383.10 Td (settled. ) Tj ET Q q 0 0 0 rg BT 522.42 383.10 Td (The ) Tj ET Q q 0 0 0 rg BT 539.95 383.10 Td (ef) Tj ET Q q 0 0 0 rg BT 547.54 383.10 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 371.10 Td (on ) Tj ET Q q 0 0 0 rg BT 61.90 371.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 97.60 371.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 112.21 371.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 137.94 371.10 Td (and ) Tj ET Q q 0 0 0 rg BT 154.78 371.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 194.39 371.10 Td (of ) Tj ET Q q 0 0 0 rg BT 205.12 371.10 Td (a ) Tj ET Q q 0 0 0 rg BT 211.96 371.10 Td (change ) Tj ET Q q 0 0 0 rg BT 242.67 371.10 Td (in ) Tj ET Q q 0 0 0 rg BT 252.84 371.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 267.46 371.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 288.73 371.10 Td (is ) Tj ET Q q 0 0 0 rg BT 297.80 371.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 344.06 371.10 Td (in ) Tj ET Q q 0 0 0 rg BT 354.24 371.10 Td (income ) Tj ET Q q 0 0 0 rg BT 386.07 371.10 Td (in ) Tj ET Q q 0 0 0 rg BT 396.24 371.10 Td (the ) Tj ET Q q 0 0 0 rg BT 410.86 371.10 Td (period ) Tj ET Q q 0 0 0 rg BT 438.80 371.10 Td (in ) Tj ET Q q 0 0 0 rg BT 448.98 371.10 Td (which ) Tj ET Q q 0 0 0 rg BT 475.81 371.10 Td (the ) Tj ET Q q 0 0 0 rg BT 490.43 371.10 Td (enactment ) Tj ET Q q 0 0 0 rg BT 533.91 371.10 Td (occurs. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 359.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.17 359.10 Td ( ) Tj ET Q q 0 0 0 rg BT 59.52 359.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 100.08 359.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 143.97 359.10 Td (is ) Tj ET Q q 0 0 0 rg BT 153.99 359.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 192.89 359.10 Td (when ) Tj ET Q q 0 0 0 rg BT 217.90 359.10 Td (it ) Tj ET Q q 0 0 0 rg BT 226.81 359.10 Td (is ) Tj ET Q q 0 0 0 rg BT 236.83 359.10 Td (more-likely-than-not ) Tj ET Q q 0 0 0 rg BT 323.48 359.10 Td (that ) Tj ET Q q 0 0 0 rg BT 341.83 359.10 Td (some ) Tj ET Q q 0 0 0 rg BT 366.29 359.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 398.53 359.10 Td (or ) Tj ET Q q 0 0 0 rg BT 410.21 359.10 Td (all ) Tj ET Q q 0 0 0 rg BT 423.55 359.10 Td (of ) Tj ET Q q 0 0 0 rg BT 435.23 359.10 Td (a ) Tj ET Q q 0 0 0 rg BT 443.02 359.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 479.68 359.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 495.25 359.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 518.04 359.10 Td (will ) Tj ET Q q 0 0 0 rg BT 536.95 359.10 Td (not ) Tj ET Q q 0 0 0 rg BT 553.08 359.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 347.10 Td (realized. ) Tj ET Q q 0 0 0 rg BT 86.75 347.10 Td (The ) Tj ET Q q 0 0 0 rg BT 105.65 347.10 Td (ultimate ) Tj ET Q q 0 0 0 rg BT 141.78 347.10 Td (realization ) Tj ET Q q 0 0 0 rg BT 187.33 347.10 Td (of ) Tj ET Q q 0 0 0 rg BT 199.01 347.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 235.67 347.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 251.25 347.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 277.93 347.10 Td (is ) Tj ET Q q 0 0 0 rg BT 287.95 347.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 332.40 347.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 355.76 347.10 Td (the ) Tj ET Q q 0 0 0 rg BT 371.33 347.10 Td (generation ) Tj ET Q q 0 0 0 rg BT 416.88 347.10 Td (of ) Tj ET Q q 0 0 0 rg BT 428.57 347.10 Td (future ) Tj ET Q q 0 0 0 rg BT 455.80 347.10 Td (taxable ) Tj ET Q q 0 0 0 rg BT 488.03 347.10 Td (income ) Tj ET Q q 0 0 0 rg BT 520.82 347.10 Td (during ) Tj ET Q q 0 0 0 rg BT 550.28 347.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 335.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 81.18 335.10 Td (in ) Tj ET Q q 0 0 0 rg BT 91.20 335.10 Td (which ) Tj ET Q q 0 0 0 rg BT 117.89 335.10 Td (those ) Tj ET Q q 0 0 0 rg BT 141.24 335.10 Td (temporary ) Tj ET Q q 0 0 0 rg BT 184.58 335.10 Td (dif) Tj ET Q q 0 0 0 rg BT 195.50 335.10 Td (ferences ) Tj ET Q q 0 0 0 rg BT 231.05 335.10 Td (become ) Tj ET Q q 0 0 0 rg BT 264.39 335.10 Td (realizable. ) Tj ET Q q 0 0 0 rg BT 307.83 335.10 Td (T) Tj ET Q q 0 0 0 rg BT 313.24 335.10 Td (o ) Tj ET Q q 0 0 0 rg BT 320.48 335.10 Td (the ) Tj ET Q q 0 0 0 rg BT 334.94 335.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 361.62 335.10 Td (penalties ) Tj ET Q q 0 0 0 rg BT 399.41 335.10 Td (and ) Tj ET Q q 0 0 0 rg BT 416.09 335.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 447.77 335.10 Td (are ) Tj ET Q q 0 0 0 rg BT 462.22 335.10 Td (incurred, ) Tj ET Q q 0 0 0 rg BT 500.28 335.10 Td (we ) Tj ET Q q 0 0 0 rg BT 514.18 335.10 Td (record ) Tj ET Q q 0 0 0 rg BT 541.96 335.10 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 323.10 Td (char) Tj ET Q q 0 0 0 rg BT 66.53 323.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 82.36 323.10 Td (as ) Tj ET Q q 0 0 0 rg BT 93.19 323.10 Td (a ) Tj ET Q q 0 0 0 rg BT 100.13 323.10 Td (component ) Tj ET Q q 0 0 0 rg BT 147.06 323.10 Td (of ) Tj ET Q q 0 0 0 rg BT 157.89 323.10 Td (our ) Tj ET Q q 0 0 0 rg BT 173.72 323.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 214.00 323.10 Td (for ) Tj ET Q q 0 0 0 rg BT 228.16 323.10 Td (income ) Tj ET Q q 0 0 0 rg BT 260.09 323.10 Td (taxes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 305.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 305.10 Td (e ) Tj ET Q q 0 0 0 rg BT 64.15 305.10 Td (review ) Tj ET Q q 0 0 0 rg BT 92.94 305.10 Td (and ) Tj ET Q q 0 0 0 rg BT 108.95 305.10 Td (update ) Tj ET Q q 0 0 0 rg BT 137.19 305.10 Td (our ) Tj ET Q q 0 0 0 rg BT 152.09 305.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 165.89 305.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 203.58 305.10 Td (as ) Tj ET Q q 0 0 0 rg BT 213.49 305.10 Td (necessary ) Tj ET Q q 0 0 0 rg BT 253.93 305.10 Td (to ) Tj ET Q q 0 0 0 rg BT 263.29 305.10 Td (add ) Tj ET Q q 0 0 0 rg BT 279.30 305.10 Td (any ) Tj ET Q q 0 0 0 rg BT 295.32 305.10 Td (new ) Tj ET Q q 0 0 0 rg BT 313.56 305.10 Td (uncertain ) Tj ET Q q 0 0 0 rg BT 352.34 305.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 366.13 305.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 403.83 305.10 Td (taken, ) Tj ET Q q 0 0 0 rg BT 429.56 305.10 Td (or ) Tj ET Q q 0 0 0 rg BT 439.47 305.10 Td (to ) Tj ET Q q 0 0 0 rg BT 448.82 305.10 Td (remove ) Tj ET Q q 0 0 0 rg BT 480.38 305.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 524.18 305.10 Td (identified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 293.10 Td (uncertain ) Tj ET Q q 0 0 0 rg BT 90.12 293.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 129.65 293.10 Td (that ) Tj ET Q q 0 0 0 rg BT 148.06 293.10 Td (have ) Tj ET Q q 0 0 0 rg BT 170.35 293.10 Td (been ) Tj ET Q q 0 0 0 rg BT 192.65 293.10 Td (adequately ) Tj ET Q q 0 0 0 rg BT 239.37 293.10 Td (resolved. ) Tj ET Q q 0 0 0 rg BT 278.41 293.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 328.31 293.10 Td (, ) Tj ET Q q 0 0 0 rg BT 334.23 293.10 Td (uncertain ) Tj ET Q q 0 0 0 rg BT 374.85 293.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 414.38 293.10 Td (may ) Tj ET Q q 0 0 0 rg BT 435.01 293.10 Td (be ) Tj ET Q q 0 0 0 rg BT 447.87 293.10 Td (remeasured ) Tj ET Q q 0 0 0 rg BT 497.37 293.10 Td (as ) Tj ET Q q 0 0 0 rg BT 509.11 293.10 Td (warranted ) Tj ET Q q 0 0 0 rg BT 552.50 293.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 281.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 84.23 281.10 Td (in ) Tj ET Q q 0 0 0 rg BT 94.53 281.10 Td (facts ) Tj ET Q q 0 0 0 rg BT 115.94 281.10 Td (or ) Tj ET Q q 0 0 0 rg BT 126.79 281.10 Td (law) Tj ET Q q 0 0 0 rg BT 140.58 281.10 Td (. ) Tj ET Q q 0 0 0 rg BT 145.05 281.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 194.23 281.10 Td (for ) Tj ET Q q 0 0 0 rg BT 208.41 281.10 Td (uncertain ) Tj ET Q q 0 0 0 rg BT 248.14 281.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 262.88 281.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 301.52 281.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 336.25 281.10 Td (estimating ) Tj ET Q q 0 0 0 rg BT 380.44 281.10 Td (the ) Tj ET Q q 0 0 0 rg BT 395.18 281.10 Td (amount, ) Tj ET Q q 0 0 0 rg BT 430.20 281.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 458.84 281.10 Td (and ) Tj ET Q q 0 0 0 rg BT 475.80 281.10 Td (likelihood ) Tj ET Q q 0 0 0 rg BT 518.87 281.10 Td (of ) Tj ET Q q 0 0 0 rg BT 529.73 281.10 Td (ultimate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 269.10 Td (settlement. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 251.10 Td (Leases. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.17 251.10 Td (W) Tj ET Q q 0 0 0 rg BT 90.81 251.10 Td (e ) Tj ET Q q 0 0 0 rg BT 97.65 251.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 120.04 251.10 Td (most ) Tj ET Q q 0 0 0 rg BT 141.89 251.10 Td (of ) Tj ET Q q 0 0 0 rg BT 152.63 251.10 Td (our ) Tj ET Q q 0 0 0 rg BT 168.36 251.10 Td (current ) Tj ET Q q 0 0 0 rg BT 199.08 251.10 Td (store ) Tj ET Q q 0 0 0 rg BT 220.92 251.10 Td (locations ) Tj ET Q q 0 0 0 rg BT 259.43 251.10 Td (and ) Tj ET Q q 0 0 0 rg BT 276.27 251.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 305.88 251.10 Td (of ) Tj ET Q q 0 0 0 rg BT 316.61 251.10 Td (our ) Tj ET Q q 0 0 0 rg BT 332.35 251.10 Td (facilities ) Tj ET Q q 0 0 0 rg BT 369.18 251.10 Td (and ) Tj ET Q q 0 0 0 rg BT 386.02 251.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 426.19 251.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 470.80 251.10 Td (under ) Tj ET Q q 0 0 0 rg BT 495.98 251.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 536.14 251.10 Td (leases. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 239.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.42 239.10 Td (fixed, ) Tj ET Q q 0 0 0 rg BT 92.83 239.10 Td (non-cancelable ) Tj ET Q q 0 0 0 rg BT 155.72 239.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 180.31 239.10 Td (of ) Tj ET Q q 0 0 0 rg BT 191.01 239.10 Td (our ) Tj ET Q q 0 0 0 rg BT 206.71 239.10 Td (real ) Tj ET Q q 0 0 0 rg BT 224.06 239.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 249.19 239.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 275.44 239.10 Td (are ) Tj ET Q q 0 0 0 rg BT 290.02 239.10 Td (generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.59 239.10 Td (five) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.14 239.10 Td ( ) Tj ET Q q 0 0 0 rg BT 347.51 239.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.65 239.10 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.65 239.10 Td ( ) Tj ET Q q 0 0 0 rg BT 370.02 239.10 Td (years ) Tj ET Q q 0 0 0 rg BT 393.49 239.10 Td (and ) Tj ET Q q 0 0 0 rg BT 410.30 239.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 449.87 239.10 Td (include ) Tj ET Q q 0 0 0 rg BT 481.67 239.10 Td (renewal ) Tj ET Q q 0 0 0 rg BT 515.69 239.10 Td (options ) Tj ET Q q 0 0 0 rg BT 547.51 239.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 227.10 Td (allow ) Tj ET Q q 0 0 0 rg BT 74.53 227.10 Td (us ) Tj ET Q q 0 0 0 rg BT 86.23 227.10 Td (to ) Tj ET Q q 0 0 0 rg BT 96.82 227.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 126.29 227.10 Td (the ) Tj ET Q q 0 0 0 rg BT 141.32 227.10 Td (term ) Tj ET Q q 0 0 0 rg BT 162.45 227.10 Td (beyond ) Tj ET Q q 0 0 0 rg BT 194.70 227.10 Td (the ) Tj ET Q q 0 0 0 rg BT 209.73 227.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 235.87 227.10 Td (non-cancelable ) Tj ET Q q 0 0 0 rg BT 299.20 227.10 Td (term. ) Tj ET Q q 0 0 0 rg BT 322.84 227.10 Td (Most ) Tj ET Q q 0 0 0 rg BT 346.21 227.10 Td (of ) Tj ET Q q 0 0 0 rg BT 357.35 227.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.38 227.10 Td (real ) Tj ET Q q 0 0 0 rg BT 390.18 227.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 415.75 227.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 442.44 227.10 Td (require ) Tj ET Q q 0 0 0 rg BT 473.57 227.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 510.81 227.10 Td (of ) Tj ET Q q 0 0 0 rg BT 521.96 227.10 Td (real ) Tj ET Q q 0 0 0 rg BT 539.75 227.10 Td (estate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 215.10 Td (taxes, ) Tj ET Q q 0 0 0 rg BT 75.56 215.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 116.88 215.10 Td (and ) Tj ET Q q 0 0 0 rg BT 134.33 215.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 164.54 215.10 Td (common ) Tj ET Q q 0 0 0 rg BT 202.55 215.10 Td (area ) Tj ET Q q 0 0 0 rg BT 222.21 215.10 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 275.74 215.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 298.75 215.10 Td (in ) Tj ET Q q 0 0 0 rg BT 309.54 215.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 345.33 215.10 Td (to ) Tj ET Q q 0 0 0 rg BT 356.11 215.10 Td (future ) Tj ET Q q 0 0 0 rg BT 383.00 215.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 424.90 215.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 447.90 215.10 Td (payments. ) Tj ET Q q 0 0 0 rg BT 491.73 215.10 Td (Equipment ) Tj ET Q q 0 0 0 rg BT 538.63 215.10 Td (leases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 203.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 89.41 203.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 122.66 203.10 Td (for ) Tj ET Q q 0 0 0 rg BT 137.03 203.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 163.07 203.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 185.76 203.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 210.68 203.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.72 203.10 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.70 203.10 Td ( ) Tj ET Q q 0 0 0 rg BT 244.41 203.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.89 203.10 Td (five) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.44 203.10 Td ( ) Tj ET Q q 0 0 0 rg BT 273.15 203.10 Td (years ) Tj ET Q q 0 0 0 rg BT 296.95 203.10 Td (and ) Tj ET Q q 0 0 0 rg BT 314.10 203.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 347.35 203.10 Td (for ) Tj ET Q q 0 0 0 rg BT 361.72 203.10 Td (a ) Tj ET Q q 0 0 0 rg BT 368.86 203.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 407.11 203.10 Td (right ) Tj ET Q q 0 0 0 rg BT 428.70 203.10 Td (at ) Tj ET Q q 0 0 0 rg BT 438.62 203.10 Td (the ) Tj ET Q q 0 0 0 rg BT 453.55 203.10 Td (end ) Tj ET Q q 0 0 0 rg BT 470.69 203.10 Td (of ) Tj ET Q q 0 0 0 rg BT 481.73 203.10 Td (the ) Tj ET Q q 0 0 0 rg BT 496.65 203.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 519.34 203.10 Td (term ) Tj ET Q q 0 0 0 rg BT 540.38 203.10 Td (at ) Tj ET Q q 0 0 0 rg BT 550.30 203.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 191.10 Td (then ) Tj ET Q q 0 0 0 rg BT 68.62 191.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 84.40 191.10 Td (market ) Tj ET Q q 0 0 0 rg BT 114.07 191.10 Td (value ) Tj ET Q q 0 0 0 rg BT 137.63 191.10 Td (of ) Tj ET Q q 0 0 0 rg BT 147.86 191.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.98 191.10 Td (equipment. ) Tj ET Q q 0 0 0 rg BT 208.17 191.10 Td (As ) Tj ET Q q 0 0 0 rg BT 221.19 191.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.42 191.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 279.43 191.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.43 191.10 Td ( ) Tj ET Q q 0 0 0 rg BT 301.33 191.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.67 191.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.67 191.10 Td (, ) Tj ET Q q 0 0 0 rg BT 342.07 191.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 377.28 191.10 Td (rent ) Tj ET Q q 0 0 0 rg BT 394.73 191.10 Td (related ) Tj ET Q q 0 0 0 rg BT 423.84 191.10 Td (to ) Tj ET Q q 0 0 0 rg BT 433.52 191.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 455.41 191.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 502.85 191.10 Td (with ) Tj ET Q q 0 0 0 rg BT 522.53 191.10 Td (escalating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 179.10 Td (rent ) Tj ET Q q 0 0 0 rg BT 67.55 179.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 108.37 179.10 Td (and ) Tj ET Q q 0 0 0 rg BT 125.31 179.10 Td (rent ) Tj ET Q q 0 0 0 rg BT 143.36 179.10 Td (holiday ) Tj ET Q q 0 0 0 rg BT 175.85 179.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.90 179.10 Td ($26.9 ) Tj ET Q q 0 0 0 rg BT 218.90 179.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.80 179.10 Td ( ) Tj ET Q q 0 0 0 rg BT 250.30 179.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.23 179.10 Td ($25.4 ) Tj ET Q q 0 0 0 rg BT 292.23 179.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.13 179.10 Td (, ) Tj ET Q q 0 0 0 rg BT 326.13 179.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 373.79 179.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 161.10 Td (Certain ) Tj ET Q q 0 0 0 rg BT 81.23 161.10 Td (of ) Tj ET Q q 0 0 0 rg BT 91.85 161.10 Td (our ) Tj ET Q q 0 0 0 rg BT 107.47 161.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 147.52 161.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 173.69 161.10 Td (contain ) Tj ET Q q 0 0 0 rg BT 205.42 161.10 Td (predetermined ) Tj ET Q q 0 0 0 rg BT 265.46 161.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 288.30 161.10 Td (escalations ) Tj ET Q q 0 0 0 rg BT 334.46 161.10 Td (of ) Tj ET Q q 0 0 0 rg BT 345.08 161.10 Td (the ) Tj ET Q q 0 0 0 rg BT 359.59 161.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 400.77 161.10 Td (rental ) Tj ET Q q 0 0 0 rg BT 425.83 161.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 466.44 161.10 Td (over ) Tj ET Q q 0 0 0 rg BT 486.50 161.10 Td (the ) Tj ET Q q 0 0 0 rg BT 501.01 161.10 Td (lease. ) Tj ET Q q 0 0 0 rg BT 525.79 161.10 Td (For ) Tj ET Q q 0 0 0 rg BT 541.97 161.10 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 149.10 Td (leases, ) Tj ET Q q 0 0 0 rg BT 77.90 149.10 Td (we ) Tj ET Q q 0 0 0 rg BT 91.58 149.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 132.47 149.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.71 149.10 Td (related ) Tj ET Q q 0 0 0 rg BT 175.93 149.10 Td (rental ) Tj ET Q q 0 0 0 rg BT 200.72 149.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 234.95 149.10 Td (on ) Tj ET Q q 0 0 0 rg BT 246.97 149.10 Td (a ) Tj ET Q q 0 0 0 rg BT 253.43 149.10 Td (straight-line ) Tj ET Q q 0 0 0 rg BT 303.78 149.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 325.80 149.10 Td (over ) Tj ET Q q 0 0 0 rg BT 345.59 149.10 Td (the ) Tj ET Q q 0 0 0 rg BT 359.83 149.10 Td (term ) Tj ET Q q 0 0 0 rg BT 380.18 149.10 Td (of ) Tj ET Q q 0 0 0 rg BT 390.53 149.10 Td (the ) Tj ET Q q 0 0 0 rg BT 404.77 149.10 Td (lease, ) Tj ET Q q 0 0 0 rg BT 429.28 149.10 Td (which ) Tj ET Q q 0 0 0 rg BT 455.74 149.10 Td (commences ) Tj ET Q q 0 0 0 rg BT 504.97 149.10 Td (for ) Tj ET Q q 0 0 0 rg BT 518.65 149.10 Td (accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 137.10 Td (purposes ) Tj ET Q q 0 0 0 rg BT 87.50 137.10 Td (on ) Tj ET Q q 0 0 0 rg BT 99.95 137.10 Td (the ) Tj ET Q q 0 0 0 rg BT 114.61 137.10 Td (date ) Tj ET Q q 0 0 0 rg BT 133.72 137.10 Td (we ) Tj ET Q q 0 0 0 rg BT 147.83 137.10 Td (take ) Tj ET Q q 0 0 0 rg BT 166.93 137.10 Td (possession ) Tj ET Q q 0 0 0 rg BT 212.16 137.10 Td (of ) Tj ET Q q 0 0 0 rg BT 222.94 137.10 Td (the ) Tj ET Q q 0 0 0 rg BT 237.61 137.10 Td (leased ) Tj ET Q q 0 0 0 rg BT 265.04 137.10 Td (store. ) Tj ET Q q 0 0 0 rg BT 289.43 137.10 Td (Possession ) Tj ET Q q 0 0 0 rg BT 335.22 137.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 374.87 137.10 Td (occurs ) Tj ET Q q 0 0 0 rg BT 403.42 137.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 425.31 137.10 Td (to ) Tj ET Q q 0 0 0 rg BT 435.54 137.10 Td (making ) Tj ET Q q 0 0 0 rg BT 467.98 137.10 Td (any ) Tj ET Q q 0 0 0 rg BT 484.87 137.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 507.30 137.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 548.07 137.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 125.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.80 125.10 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.80 125.10 Td ( ) Tj ET Q q 0 0 0 rg BT 122.34 125.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.66 125.10 Td (120) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.66 125.10 Td ( ) Tj ET Q q 0 0 0 rg BT 150.20 125.10 Td (days ) Tj ET Q q 0 0 0 rg BT 171.07 125.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 193.05 125.10 Td (to ) Tj ET Q q 0 0 0 rg BT 203.37 125.10 Td (the ) Tj ET Q q 0 0 0 rg BT 218.13 125.10 Td (opening ) Tj ET Q q 0 0 0 rg BT 252.88 125.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.75 125.10 Td (a ) Tj ET Q q 0 0 0 rg BT 270.73 125.10 Td (store. ) Tj ET Q q 0 0 0 rg BT 295.21 125.10 Td (In ) Tj ET Q q 0 0 0 rg BT 306.08 125.10 Td (the ) Tj ET Q q 0 0 0 rg BT 320.84 125.10 Td (early ) Tj ET Q q 0 0 0 rg BT 343.36 125.10 Td (years ) Tj ET Q q 0 0 0 rg BT 367.00 125.10 Td (of ) Tj ET Q q 0 0 0 rg BT 377.87 125.10 Td (a ) Tj ET Q q 0 0 0 rg BT 384.85 125.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 407.38 125.10 Td (with ) Tj ET Q q 0 0 0 rg BT 427.70 125.10 Td (rent ) Tj ET Q q 0 0 0 rg BT 445.79 125.10 Td (escalations, ) Tj ET Q q 0 0 0 rg BT 494.70 125.10 Td (the ) Tj ET Q q 0 0 0 rg BT 509.46 125.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 546.97 125.10 Td (rent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 113.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 83.86 113.10 Td (will ) Tj ET Q q 0 0 0 rg BT 101.58 113.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 131.48 113.10 Td (the ) Tj ET Q q 0 0 0 rg BT 145.86 113.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 171.89 113.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 191.81 113.10 Td (payments. ) Tj ET Q q 0 0 0 rg BT 234.63 113.10 Td (The ) Tj ET Q q 0 0 0 rg BT 252.34 113.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 284.49 113.10 Td (of ) Tj ET Q q 0 0 0 rg BT 294.97 113.10 Td (rent ) Tj ET Q q 0 0 0 rg BT 312.68 113.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 347.04 113.10 Td (that ) Tj ET Q q 0 0 0 rg BT 364.19 113.10 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 397.99 113.10 Td (the ) Tj ET Q q 0 0 0 rg BT 412.36 113.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 432.29 113.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 472.77 113.10 Td (is ) Tj ET Q q 0 0 0 rg BT 481.60 113.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 518.73 113.10 Td (as ) Tj ET Q q 0 0 0 rg BT 529.21 113.10 Td (deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 101.10 Td (rent ) Tj ET Q q 0 0 0 rg BT 67.19 101.10 Td (in ) Tj ET Q q 0 0 0 rg BT 77.12 101.10 Td (the ) Tj ET Q q 0 0 0 rg BT 91.48 101.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 144.16 101.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 176.84 101.10 Td (sheet. ) Tj ET Q q 0 0 0 rg BT 202.03 101.10 Td (In ) Tj ET Q q 0 0 0 rg BT 212.51 101.10 Td (the ) Tj ET Q q 0 0 0 rg BT 226.87 101.10 Td (later ) Tj ET Q q 0 0 0 rg BT 246.78 101.10 Td (years ) Tj ET Q q 0 0 0 rg BT 270.02 101.10 Td (of ) Tj ET Q q 0 0 0 rg BT 280.50 101.10 Td (a ) Tj ET Q q 0 0 0 rg BT 287.08 101.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 309.21 101.10 Td (with ) Tj ET Q q 0 0 0 rg BT 329.13 101.10 Td (rent ) Tj ET Q q 0 0 0 rg BT 346.83 101.10 Td (escalations, ) Tj ET Q q 0 0 0 rg BT 395.34 101.10 Td (the ) Tj ET Q q 0 0 0 rg BT 409.71 101.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 446.83 101.10 Td (rent ) Tj ET Q q 0 0 0 rg BT 464.52 101.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 498.87 101.10 Td (will ) Tj ET Q q 0 0 0 rg BT 516.57 101.10 Td (be ) Tj ET Q q 0 0 0 rg BT 528.16 101.10 Td (less ) Tj ET Q q 0 0 0 rg BT 545.30 101.10 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 89.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.35 89.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 90.86 89.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 111.26 89.10 Td (payments. ) Tj ET Q q 0 0 0 rg BT 154.53 89.10 Td (The ) Tj ET Q q 0 0 0 rg BT 172.72 89.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 205.35 89.10 Td (of ) Tj ET Q q 0 0 0 rg BT 216.31 89.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 236.72 89.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 277.68 89.10 Td (that ) Tj ET Q q 0 0 0 rg BT 295.31 89.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 325.70 89.10 Td (the ) Tj ET Q q 0 0 0 rg BT 340.55 89.10 Td (rent ) Tj ET Q q 0 0 0 rg BT 358.73 89.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 393.58 89.10 Td (is ) Tj ET Q q 0 0 0 rg BT 402.88 89.10 Td (then ) Tj ET Q q 0 0 0 rg BT 422.74 89.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 460.35 89.10 Td (as ) Tj ET Q q 0 0 0 rg BT 471.31 89.10 Td (a ) Tj ET Q q 0 0 0 rg BT 478.39 89.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 518.79 89.10 Td (to ) Tj ET Q q 0 0 0 rg BT 529.20 89.10 Td (deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 77.10 Td (rent. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 59.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 99.40 59.10 Td (, ) Tj ET Q q 0 0 0 rg BT 104.67 59.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 134.65 59.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 175.19 59.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 201.83 59.10 Td (contain ) Tj ET Q q 0 0 0 rg BT 234.04 59.10 Td (tenant ) Tj ET Q q 0 0 0 rg BT 261.25 59.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 304.55 59.10 Td (provisions, ) Tj ET Q q 0 0 0 rg BT 351.49 59.10 Td (which ) Tj ET Q q 0 0 0 rg BT 378.71 59.10 Td (obligate ) Tj ET Q q 0 0 0 rg BT 413.69 59.10 Td (the ) Tj ET Q q 0 0 0 rg BT 428.68 59.10 Td (landlord ) Tj ET Q q 0 0 0 rg BT 464.78 59.10 Td (to ) Tj ET Q q 0 0 0 rg BT 475.33 59.10 Td (remit ) Tj ET Q q 0 0 0 rg BT 499.20 59.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 519.74 59.10 Td (to ) Tj ET Q q 0 0 0 rg BT 530.29 59.10 Td (us ) Tj ET Q q 0 0 0 rg BT 541.96 59.10 Td (as ) Tj ET Q q 0 0 0 rg BT 553.06 59.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 47.10 Td (incentive ) Tj ET Q q 0 0 0 rg BT 88.59 47.10 Td (to ) Tj ET Q q 0 0 0 rg BT 98.80 47.10 Td (enter ) Tj ET Q q 0 0 0 rg BT 121.22 47.10 Td (into ) Tj ET Q q 0 0 0 rg BT 139.21 47.10 Td (the ) Tj ET Q q 0 0 0 rg BT 153.87 47.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 176.29 47.10 Td (agreement. ) Tj ET Q q 0 0 0 rg BT 222.69 47.10 Td (W) Tj ET Q q 0 0 0 rg BT 231.32 47.10 Td (e ) Tj ET Q q 0 0 0 rg BT 238.20 47.10 Td (record ) Tj ET Q q 0 0 0 rg BT 266.17 47.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.82 47.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 313.25 47.10 Td (to ) Tj ET Q q 0 0 0 rg BT 323.47 47.10 Td (be ) Tj ET Q q 0 0 0 rg BT 335.34 47.10 Td (remitted ) Tj ET Q q 0 0 0 rg BT 371.10 47.10 Td (by ) Tj ET Q q 0 0 0 rg BT 383.53 47.10 Td (the ) Tj ET Q q 0 0 0 rg BT 398.19 47.10 Td (landlord ) Tj ET Q q 0 0 0 rg BT 433.95 47.10 Td (as ) Tj ET Q q 0 0 0 rg BT 444.71 47.10 Td (a ) Tj ET Q q 0 0 0 rg BT 451.59 47.10 Td (tenant ) Tj ET Q q 0 0 0 rg BT 478.45 47.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 521.42 47.10 Td (receivable ) Tj ET Q endstream endobj 139 0 obj <>] /Rotate 0 /Contents 140 0 R>> endobj 140 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (68) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 731.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.75 731.10 Td (we ) Tj ET Q q 0 0 0 rg BT 75.32 731.10 Td (earn ) Tj ET Q q 0 0 0 rg BT 95.44 731.10 Td (it ) Tj ET Q q 0 0 0 rg BT 103.91 731.10 Td (under ) Tj ET Q q 0 0 0 rg BT 129.60 731.10 Td (the ) Tj ET Q q 0 0 0 rg BT 144.73 731.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 169.86 731.10 Td (of ) Tj ET Q q 0 0 0 rg BT 181.11 731.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.24 731.10 Td (contract. ) Tj ET Q q 0 0 0 rg BT 233.21 731.10 Td (At ) Tj ET Q q 0 0 0 rg BT 246.13 731.10 Td (the ) Tj ET Q q 0 0 0 rg BT 261.26 731.10 Td (same ) Tj ET Q q 0 0 0 rg BT 284.72 731.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 307.91 731.10 Td (we ) Tj ET Q q 0 0 0 rg BT 322.48 731.10 Td (record ) Tj ET Q q 0 0 0 rg BT 350.94 731.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 387.16 731.10 Td (rent ) Tj ET Q q 0 0 0 rg BT 405.62 731.10 Td (in ) Tj ET Q q 0 0 0 rg BT 416.31 731.10 Td (an ) Tj ET Q q 0 0 0 rg BT 428.67 731.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 453.24 731.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 486.15 731.10 Td (in ) Tj ET Q q 0 0 0 rg BT 496.84 731.10 Td (the ) Tj ET Q q 0 0 0 rg BT 511.97 731.10 Td (consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 719.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 81.81 719.10 Td (sheet. ) Tj ET Q q 0 0 0 rg BT 106.51 719.10 Td (The ) Tj ET Q q 0 0 0 rg BT 123.84 719.10 Td (tenant ) Tj ET Q q 0 0 0 rg BT 150.05 719.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 192.36 719.10 Td (receivable ) Tj ET Q q 0 0 0 rg BT 235.22 719.10 Td (is ) Tj ET Q q 0 0 0 rg BT 243.67 719.10 Td (reduced ) Tj ET Q q 0 0 0 rg BT 277.10 719.10 Td (as ) Tj ET Q q 0 0 0 rg BT 287.21 719.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 306.75 719.10 Td (is ) Tj ET Q q 0 0 0 rg BT 315.20 719.10 Td (received ) Tj ET Q q 0 0 0 rg BT 350.85 719.10 Td (from ) Tj ET Q q 0 0 0 rg BT 372.06 719.10 Td (the ) Tj ET Q q 0 0 0 rg BT 386.06 719.10 Td (landlord, ) Tj ET Q q 0 0 0 rg BT 423.67 719.10 Td (while ) Tj ET Q q 0 0 0 rg BT 447.66 719.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.66 719.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 496.74 719.10 Td (rent ) Tj ET Q q 0 0 0 rg BT 514.07 719.10 Td (is ) Tj ET Q q 0 0 0 rg BT 522.52 719.10 Td (amortized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 707.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.51 707.10 Td (a ) Tj ET Q q 0 0 0 rg BT 67.64 707.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 108.09 707.10 Td (to ) Tj ET Q q 0 0 0 rg BT 118.55 707.10 Td (rent ) Tj ET Q q 0 0 0 rg BT 136.78 707.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 171.67 707.10 Td (over ) Tj ET Q q 0 0 0 rg BT 192.13 707.10 Td (the ) Tj ET Q q 0 0 0 rg BT 207.03 707.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 229.70 707.10 Td (term. ) Tj ET Q q 0 0 0 rg BT 253.21 707.10 Td ( ) Tj ET Q q 0 0 0 rg BT 255.30 707.10 Td (As ) Tj ET Q q 0 0 0 rg BT 269.10 707.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.11 707.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 328.89 707.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.89 707.10 Td ( ) Tj ET Q q 0 0 0 rg BT 351.58 707.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.70 707.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.70 707.10 Td (, ) Tj ET Q q 0 0 0 rg BT 393.89 707.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 429.88 707.10 Td (rent ) Tj ET Q q 0 0 0 rg BT 448.11 707.10 Td (related ) Tj ET Q q 0 0 0 rg BT 477.99 707.10 Td (to ) Tj ET Q q 0 0 0 rg BT 488.46 707.10 Td (tenant ) Tj ET Q q 0 0 0 rg BT 515.58 707.10 Td (allowances, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 695.10 Td (including ) Tj ET Q q 0 0 0 rg BT 89.77 695.10 Td (both ) Tj ET Q q 0 0 0 rg BT 110.05 695.10 Td (current ) Tj ET Q q 0 0 0 rg BT 140.87 695.10 Td (and ) Tj ET Q q 0 0 0 rg BT 157.81 695.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 199.74 695.10 Td (portions, ) Tj ET Q q 0 0 0 rg BT 237.52 695.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.57 695.10 Td ($69.7 ) Tj ET Q q 0 0 0 rg BT 280.57 695.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.46 695.10 Td ( ) Tj ET Q q 0 0 0 rg BT 311.96 695.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.90 695.10 Td ($71.3 ) Tj ET Q q 0 0 0 rg BT 353.90 695.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.79 695.10 Td (, ) Tj ET Q q 0 0 0 rg BT 387.79 695.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 435.45 695.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 677.10 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 91.07 677.10 Td (per ) Tj ET Q q 0 0 0 rg BT 107.61 677.10 Td (Share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.06 677.10 Td (. ) Tj ET Q q 0 0 0 rg BT 137.78 677.10 Td (Basic ) Tj ET Q q 0 0 0 rg BT 163.21 677.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 200.30 677.10 Td (per ) Tj ET Q q 0 0 0 rg BT 216.28 677.10 Td (share ) Tj ET Q q 0 0 0 rg BT 240.59 677.10 Td (is ) Tj ET Q q 0 0 0 rg BT 250.47 677.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 294.21 677.10 Td (by ) Tj ET Q q 0 0 0 rg BT 307.42 677.10 Td (dividing ) Tj ET Q q 0 0 0 rg BT 343.97 677.10 Td (net ) Tj ET Q q 0 0 0 rg BT 359.40 677.10 Td (income ) Tj ET Q q 0 0 0 rg BT 392.05 677.10 Td (\(loss\) ) Tj ET Q q 0 0 0 rg BT 417.48 677.10 Td (by ) Tj ET Q q 0 0 0 rg BT 430.70 677.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.13 677.10 Td (weighted-average ) Tj ET Q q 0 0 0 rg BT 520.41 677.10 Td (number ) Tj ET Q q 0 0 0 rg BT 554.17 677.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 665.10 Td (common ) Tj ET Q q 0 0 0 rg BT 87.60 665.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 115.69 665.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 165.45 665.10 Td (during ) Tj ET Q q 0 0 0 rg BT 194.66 665.10 Td (the ) Tj ET Q q 0 0 0 rg BT 209.98 665.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 241.13 665.10 Td (Diluted ) Tj ET Q q 0 0 0 rg BT 274.22 665.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 311.20 665.10 Td (per ) Tj ET Q q 0 0 0 rg BT 327.07 665.10 Td (share ) Tj ET Q q 0 0 0 rg BT 351.27 665.10 Td (include ) Tj ET Q q 0 0 0 rg BT 383.80 665.10 Td (the ) Tj ET Q q 0 0 0 rg BT 399.12 665.10 Td (dilutive ) Tj ET Q q 0 0 0 rg BT 432.77 665.10 Td (ef) Tj ET Q q 0 0 0 rg BT 440.36 665.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 462.34 665.10 Td (of ) Tj ET Q q 0 0 0 rg BT 473.77 665.10 Td (any ) Tj ET Q q 0 0 0 rg BT 491.31 665.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 515.52 665.10 Td (options ) Tj ET Q q 0 0 0 rg BT 548.06 665.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 653.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 90.40 653.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 115.21 653.10 Td (units ) Tj ET Q q 0 0 0 rg BT 138.35 653.10 Td (granted, ) Tj ET Q q 0 0 0 rg BT 174.54 653.10 Td (which ) Tj ET Q q 0 0 0 rg BT 202.67 653.10 Td (is ) Tj ET Q q 0 0 0 rg BT 213.04 653.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 257.26 653.10 Td (using ) Tj ET Q q 0 0 0 rg BT 282.63 653.10 Td (the ) Tj ET Q q 0 0 0 rg BT 298.55 653.10 Td (treasury-stock ) Tj ET Q q 0 0 0 rg BT 358.89 653.10 Td (method. ) Tj ET Q q 0 0 0 rg BT 394.81 653.10 Td (The ) Tj ET Q q 0 0 0 rg BT 414.06 653.10 Td (following ) Tj ET Q q 0 0 0 rg BT 456.64 653.10 Td (table ) Tj ET Q q 0 0 0 rg BT 479.78 653.10 Td (sets ) Tj ET Q q 0 0 0 rg BT 498.47 653.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 521.61 653.10 Td (the ) Tj ET Q q 0 0 0 rg BT 537.52 653.10 Td (shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 641.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 98.67 641.10 Td (for ) Tj ET Q q 0 0 0 rg BT 112.83 641.10 Td (the ) Tj ET Q q 0 0 0 rg BT 127.54 641.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 163.92 641.10 Td (per ) Tj ET Q q 0 0 0 rg BT 179.19 641.10 Td (share ) Tj ET Q q 0 0 0 rg BT 202.79 641.10 Td (calculations:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 594.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 594.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 594.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 594.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 594.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 594.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 564.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 564.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 564.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 564.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 564.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 564.60 65.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 609.6 m 423.5 609.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 609.6 m 427.5 609.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 609.6 m 492.5 609.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 609.6 m 496.5 609.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 609.6 m 561.5 609.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 594.6 m 423.5 594.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 594.6 m 492.5 594.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 594.6 m 561.5 594.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 564.6 m 423.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 550.6 m 423.5 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 548.6 m 423.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 564.6 m 492.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 550.6 m 492.5 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 548.6 m 492.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 564.6 m 561.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 550.6 m 561.5 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 548.6 m 561.5 548.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.00 614.27 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.90 614.28 Td (Y) Tj ET Q q 0 0 0 rg BT 414.57 614.28 Td (ear) Tj ET Q q 0 0 0 rg BT 427.80 614.28 Td ( Ended January 31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.50 599.28 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 449.50 599.28 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.50 599.28 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 584.27 Td (W) Tj ET Q q 0 0 0 rg BT 61.04 584.27 Td (eighted-average common shares outstanding - Basic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.60 584.27 Td (31,192,439) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.60 584.27 Td (30,776,479) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.60 584.27 Td (35,084,343) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 569.27 Td (Dilutive ef) Tj ET Q q 0 0 0 rg BT 94.95 569.27 Td (fect of stock options and restricted stock units) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.15 569.27 Td (585,384) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.65 569.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.15 569.27 Td (472,726) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 554.27 Td (W) Tj ET Q q 0 0 0 rg BT 60.64 554.27 Td (eighted-average common shares outstanding - Diluted) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.60 554.27 Td (31,777,823) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.60 554.27 Td (30,776,479) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.60 554.27 Td (35,557,069) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 532.10 Td (For ) Tj ET Q q 0 0 0 rg BT 66.25 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 81.33 532.10 Td (years ) Tj ET Q q 0 0 0 rg BT 105.28 532.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.02 532.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 180.98 532.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.98 532.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.34 532.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.34 532.10 Td ( ) Tj ET Q q 0 0 0 rg BT 229.19 532.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.49 532.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.49 532.10 Td (, ) Tj ET Q q 0 0 0 rg BT 271.85 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.93 532.10 Td (weighted-average ) Tj ET Q q 0 0 0 rg BT 360.85 532.10 Td (number ) Tj ET Q q 0 0 0 rg BT 394.26 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 405.45 532.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 429.42 532.10 Td (options ) Tj ET Q q 0 0 0 rg BT 461.72 532.10 Td (and ) Tj ET Q q 0 0 0 rg BT 479.02 532.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 519.08 532.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 543.05 532.10 Td (units ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 520.10 Td (not ) Tj ET Q q 0 0 0 rg BT 65.09 520.10 Td (included ) Tj ET Q q 0 0 0 rg BT 102.33 520.10 Td (in ) Tj ET Q q 0 0 0 rg BT 112.92 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 127.94 520.10 Td (calculation ) Tj ET Q q 0 0 0 rg BT 174.62 520.10 Td (due ) Tj ET Q q 0 0 0 rg BT 191.87 520.10 Td (to ) Tj ET Q q 0 0 0 rg BT 202.45 520.10 Td (their ) Tj ET Q q 0 0 0 rg BT 223.59 520.10 Td (anti-dilutive ) Tj ET Q q 0 0 0 rg BT 275.27 520.10 Td (ef) Tj ET Q q 0 0 0 rg BT 282.86 520.10 Td (fect, ) Tj ET Q q 0 0 0 rg BT 303.16 520.10 Td (or ) Tj ET Q q 0 0 0 rg BT 314.30 520.10 Td (for ) Tj ET Q q 0 0 0 rg BT 328.77 520.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 382.10 520.10 Td (based ) Tj ET Q q 0 0 0 rg BT 407.67 520.10 Td (awards, ) Tj ET Q q 0 0 0 rg BT 441.30 520.10 Td (those ) Tj ET Q q 0 0 0 rg BT 465.22 520.10 Td (not ) Tj ET Q q 0 0 0 rg BT 480.81 520.10 Td (included ) Tj ET Q q 0 0 0 rg BT 518.05 520.10 Td (because ) Tj ET Q q 0 0 0 rg BT 552.51 520.10 Td (all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 508.10 Td (necessary ) Tj ET Q q 0 0 0 rg BT 90.60 508.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 134.50 508.10 Td (have ) Tj ET Q q 0 0 0 rg BT 155.61 508.10 Td (not ) Tj ET Q q 0 0 0 rg BT 170.62 508.10 Td (been ) Tj ET Q q 0 0 0 rg BT 191.73 508.10 Td (satisfied ) Tj ET Q q 0 0 0 rg BT 227.29 508.10 Td (by ) Tj ET Q q 0 0 0 rg BT 239.52 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 253.97 508.10 Td (end ) Tj ET Q q 0 0 0 rg BT 270.64 508.10 Td (of ) Tj ET Q q 0 0 0 rg BT 281.20 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 295.65 508.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 338.42 508.10 Td (period, ) Tj ET Q q 0 0 0 rg BT 368.70 508.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.48 508.10 Td (278,740) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.98 508.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.72 508.10 Td (735,456) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.22 508.10 Td ( ) Tj ET Q q 0 0 0 rg BT 458.45 508.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.12 508.10 Td (388,434) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.62 508.10 Td (, ) Tj ET Q q 0 0 0 rg BT 512.35 508.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 560.01 508.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 490.10 Td (Repurchase ) Tj ET Q q 0 0 0 rg BT 100.44 490.10 Td (Program. ) Tj ET Q q 0 0 0 rg BT 141.65 490.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.70 490.10 Td (During ) Tj ET Q q 0 0 0 rg BT 174.07 490.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 197.77 490.10 Td (year ) Tj ET Q q 0 0 0 rg BT 217.02 490.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 241.57 490.10 Td (we ) Tj ET Q q 0 0 0 rg BT 255.27 490.10 Td (announced ) Tj ET Q q 0 0 0 rg BT 300.63 490.10 Td (that ) Tj ET Q q 0 0 0 rg BT 317.67 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 331.94 490.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 358.42 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 368.79 490.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 408.05 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 418.42 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 432.68 490.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 473.61 490.10 Td (\("Board ) Tj ET Q q 0 0 0 rg BT 507.51 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 517.88 490.10 Td (Directors"\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 478.10 Td (authorized ) Tj ET Q q 0 0 0 rg BT 93.53 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 99.80 478.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 144.94 478.10 Td (program ) Tj ET Q q 0 0 0 rg BT 180.65 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 190.81 478.10 Td (up ) Tj ET Q q 0 0 0 rg BT 202.64 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 212.25 478.10 Td (an ) Tj ET Q q 0 0 0 rg BT 223.52 478.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 264.21 478.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.37 478.10 Td ($175.0 ) Tj ET Q q 0 0 0 rg BT 303.70 478.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.60 478.10 Td ( ) Tj ET Q q 0 0 0 rg BT 334.43 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 344.59 478.10 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 355.86 478.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 382.68 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 392.84 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 406.89 478.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 453.30 478.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 501.79 478.10 Td (common ) Tj ET Q q 0 0 0 rg BT 538.62 478.10 Td (stock; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.10 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.57 466.10 Td (7.250%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.40 466.10 Td ( ) Tj ET Q q 0 0 0 rg BT 98.25 466.10 Td (Senior ) Tj ET Q q 0 0 0 rg BT 127.20 466.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 153.38 466.10 Td (Due ) Tj ET Q q 0 0 0 rg BT 172.89 466.10 Td (2022 ) Tj ET Q q 0 0 0 rg BT 195.74 466.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 214.14 466.10 Td ("Senior ) Tj ET Q q 0 0 0 rg BT 247.18 466.10 Td (Notes"\); ) Tj ET Q q 0 0 0 rg BT 283.55 466.10 Td (or ) Tj ET Q q 0 0 0 rg BT 294.72 466.10 Td (\(iii\) ) Tj ET Q q 0 0 0 rg BT 312.57 466.10 Td (a ) Tj ET Q q 0 0 0 rg BT 319.86 466.10 Td (combination ) Tj ET Q q 0 0 0 rg BT 372.70 466.10 Td (thereof. ) Tj ET Q q 0 0 0 rg BT 406.36 466.10 Td (During ) Tj ET Q q 0 0 0 rg BT 437.54 466.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 462.04 466.10 Td (year ) Tj ET Q q 0 0 0 rg BT 482.10 466.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 507.45 466.10 Td (we ) Tj ET Q q 0 0 0 rg BT 521.96 466.10 Td (purchased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 454.10 Td (5.9 ) Tj ET Q q 0 0 0 rg BT 63.91 454.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.80 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 94.71 454.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 121.62 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 131.86 454.10 Td (common ) Tj ET Q q 0 0 0 rg BT 168.77 454.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 194.29 454.10 Td (using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.87 454.10 Td ($151.6 ) Tj ET Q q 0 0 0 rg BT 247.28 454.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.17 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 278.08 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 288.32 454.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.45 454.10 Td ($175.0 ) Tj ET Q q 0 0 0 rg BT 331.86 454.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.75 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 362.67 454.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 407.88 454.10 Td (authorization. ) Tj ET Q q 0 0 0 rg BT 464.63 454.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 514.53 454.10 Td (, ) Tj ET Q q 0 0 0 rg BT 518.95 454.10 Td (we ) Tj ET Q q 0 0 0 rg BT 532.52 454.10 Td (utilized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 442.10 Td ($22.9 ) Tj ET Q q 0 0 0 rg BT 74.23 442.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.12 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 105.34 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 115.90 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 130.34 442.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 175.88 442.10 Td (authorization ) Tj ET Q q 0 0 0 rg BT 230.86 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 240.87 442.10 Td (acquire ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.52 442.10 Td ($23.0 ) Tj ET Q q 0 0 0 rg BT 297.24 442.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.14 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 328.36 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 338.92 442.10 Td (face ) Tj ET Q q 0 0 0 rg BT 357.79 442.10 Td (value ) Tj ET Q q 0 0 0 rg BT 381.67 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 392.23 442.10 Td (our ) Tj ET Q q 0 0 0 rg BT 407.79 442.10 Td (Senior ) Tj ET Q q 0 0 0 rg BT 436.12 442.10 Td (Notes. ) Tj ET Q q 0 0 0 rg BT 464.18 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 466.40 442.10 Td (On ) Tj ET Q q 0 0 0 rg BT 480.85 442.10 Td (November ) Tj ET Q q 0 0 0 rg BT 525.29 442.10 Td (30, ) Tj ET Q q 0 0 0 rg BT 540.01 442.10 Td (2016, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.03 430.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 90.78 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 101.42 430.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 140.94 430.10 Td (terminated ) Tj ET Q q 0 0 0 rg BT 186.01 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.53 430.10 Td (share ) Tj ET Q q 0 0 0 rg BT 223.94 430.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 269.56 430.10 Td (program. ) Tj ET Q q 0 0 0 rg BT 308.08 430.10 Td (W) Tj ET Q q 0 0 0 rg BT 316.72 430.10 Td (e ) Tj ET Q q 0 0 0 rg BT 323.47 430.10 Td (did ) Tj ET Q q 0 0 0 rg BT 338.56 430.10 Td (not ) Tj ET Q q 0 0 0 rg BT 353.65 430.10 Td (engage ) Tj ET Q q 0 0 0 rg BT 384.27 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 394.36 430.10 Td (any ) Tj ET Q q 0 0 0 rg BT 411.11 430.10 Td (share ) Tj ET Q q 0 0 0 rg BT 434.52 430.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 480.14 430.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 512.44 430.10 Td (during ) Tj ET Q q 0 0 0 rg BT 540.86 430.10 Td (fiscal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.21 418.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.21 418.10 Td ( ) Tj ET Q q 0 0 0 rg BT 91.71 418.10 Td (or ) Tj ET Q q 0 0 0 rg BT 102.54 418.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 126.69 418.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.40 418.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.40 418.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 400.10 Td (Contingencies. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.12 400.10 Td (An ) Tj ET Q q 0 0 0 rg BT 127.57 400.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 168.12 400.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 185.90 400.10 Td (from ) Tj ET Q q 0 0 0 rg BT 207.57 400.10 Td (a ) Tj ET Q q 0 0 0 rg BT 214.23 400.10 Td (contingency ) Tj ET Q q 0 0 0 rg BT 265.33 400.10 Td (is ) Tj ET Q q 0 0 0 rg BT 274.22 400.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 311.42 400.10 Td (if ) Tj ET Q q 0 0 0 rg BT 319.76 400.10 Td (it ) Tj ET Q q 0 0 0 rg BT 327.54 400.10 Td (is ) Tj ET Q q 0 0 0 rg BT 336.44 400.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 373.65 400.10 Td (that ) Tj ET Q q 0 0 0 rg BT 390.87 400.10 Td (an ) Tj ET Q q 0 0 0 rg BT 402.53 400.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 424.20 400.10 Td (has ) Tj ET Q q 0 0 0 rg BT 439.75 400.10 Td (been ) Tj ET Q q 0 0 0 rg BT 460.85 400.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 498.62 400.10 Td (or ) Tj ET Q q 0 0 0 rg BT 509.18 400.10 Td (a ) Tj ET Q q 0 0 0 rg BT 515.84 400.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 549.18 400.10 Td (has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 388.10 Td (been ) Tj ET Q q 0 0 0 rg BT 71.00 388.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 106.93 388.10 Td (at ) Tj ET Q q 0 0 0 rg BT 116.77 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 131.60 388.10 Td (date ) Tj ET Q q 0 0 0 rg BT 150.87 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 161.82 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 176.66 388.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 214.26 388.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 259.09 388.10 Td (and ) Tj ET Q q 0 0 0 rg BT 276.15 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 290.98 388.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 323.59 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 334.54 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 349.38 388.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 367.56 388.10 Td (can ) Tj ET Q q 0 0 0 rg BT 384.05 388.10 Td (be ) Tj ET Q q 0 0 0 rg BT 396.11 388.10 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 442.05 388.10 Td (estimated. ) Tj ET Q q 0 0 0 rg BT 485.48 388.10 Td (Gain ) Tj ET Q q 0 0 0 rg BT 507.54 388.10 Td (contingencies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 376.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.23 376.10 Td (not ) Tj ET Q q 0 0 0 rg BT 79.53 376.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 117.03 376.10 Td (until ) Tj ET Q q 0 0 0 rg BT 137.88 376.10 Td (realization ) Tj ET Q q 0 0 0 rg BT 182.60 376.10 Td (is ) Tj ET Q q 0 0 0 rg BT 191.79 376.10 Td (assured ) Tj ET Q q 0 0 0 rg BT 224.31 376.10 Td (beyond ) Tj ET Q q 0 0 0 rg BT 256.27 376.10 Td (a ) Tj ET Q q 0 0 0 rg BT 263.23 376.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 308.50 376.10 Td (doubt. ) Tj ET Q q 0 0 0 rg BT 336.30 376.10 Td (Legal ) Tj ET Q q 0 0 0 rg BT 361.59 376.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 384.11 376.10 Td (related ) Tj ET Q q 0 0 0 rg BT 413.84 376.10 Td (to ) Tj ET Q q 0 0 0 rg BT 424.14 376.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 442.22 376.10 Td (contingencies ) Tj ET Q q 0 0 0 rg BT 499.72 376.10 Td (are ) Tj ET Q q 0 0 0 rg BT 514.45 376.10 Td (expensed ) Tj ET Q q 0 0 0 rg BT 554.18 376.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 364.10 Td (incurred.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 346.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 70.33 346.10 Td (V) Tj ET Q q 0 0 0 rg BT 75.89 346.10 Td (alue ) Tj ET Q q 0 0 0 rg BT 96.16 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 106.98 346.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 150.03 346.10 Td (Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.06 346.10 Td (. ) Tj ET Q q 0 0 0 rg BT 205.05 346.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 223.64 346.10 Td (value ) Tj ET Q q 0 0 0 rg BT 247.79 346.10 Td (is ) Tj ET Q q 0 0 0 rg BT 256.95 346.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 289.42 346.10 Td (as ) Tj ET Q q 0 0 0 rg BT 300.24 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 314.95 346.10 Td (price ) Tj ET Q q 0 0 0 rg BT 337.42 346.10 Td (that ) Tj ET Q q 0 0 0 rg BT 354.91 346.10 Td (would ) Tj ET Q q 0 0 0 rg BT 382.40 346.10 Td (be ) Tj ET Q q 0 0 0 rg BT 394.32 346.10 Td (received ) Tj ET Q q 0 0 0 rg BT 430.68 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 440.94 346.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 457.32 346.10 Td (an ) Tj ET Q q 0 0 0 rg BT 469.25 346.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 491.17 346.10 Td (or ) Tj ET Q q 0 0 0 rg BT 501.99 346.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 521.70 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 531.97 346.10 Td (transfer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 334.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.98 334.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 91.12 334.10 Td (in ) Tj ET Q q 0 0 0 rg BT 101.94 334.10 Td (an ) Tj ET Q q 0 0 0 rg BT 114.42 334.10 Td (orderly ) Tj ET Q q 0 0 0 rg BT 146.33 334.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 193.24 334.10 Td (between ) Tj ET Q q 0 0 0 rg BT 229.60 334.10 Td (market ) Tj ET Q q 0 0 0 rg BT 260.40 334.10 Td (participants ) Tj ET Q q 0 0 0 rg BT 310.09 334.10 Td (at ) Tj ET Q q 0 0 0 rg BT 320.34 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 335.60 334.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 391.95 334.10 Td (date. ) Tj ET Q q 0 0 0 rg BT 413.47 334.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 442.62 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 460.10 334.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 500.36 334.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 538.37 334.10 Td (at ) Tj ET Q q 0 0 0 rg BT 548.63 334.10 Td (fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 322.10 Td (value ) Tj ET Q q 0 0 0 rg BT 73.11 322.10 Td (are ) Tj ET Q q 0 0 0 rg BT 87.27 322.10 Td (categorized ) Tj ET Q q 0 0 0 rg BT 135.30 322.10 Td (using ) Tj ET Q q 0 0 0 rg BT 158.92 322.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 190.86 322.10 Td (hierarchical ) Tj ET Q q 0 0 0 rg BT 240.00 322.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 265.28 322.10 Td (related ) Tj ET Q q 0 0 0 rg BT 294.44 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 304.17 322.10 Td (subjectivity ) Tj ET Q q 0 0 0 rg BT 352.78 322.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 395.83 322.10 Td (with ) Tj ET Q q 0 0 0 rg BT 415.56 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 429.73 322.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 456.13 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 465.86 322.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 481.69 322.10 Td (value ) Tj ET Q q 0 0 0 rg BT 505.30 322.10 Td (measurements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.33 310.10 Td (follows: ) Tj ET Q q 0 0 0 rg BT 95.61 310.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 292.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 292.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 110.76 292.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 118.26 292.10 Td ( ) Tj ET Q q 0 0 0 rg BT 125.76 292.10 Td (Inputs ) Tj ET Q q 0 0 0 rg BT 153.26 292.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 192.41 292.10 Td (unadjusted ) Tj ET Q q 0 0 0 rg BT 238.23 292.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 267.95 292.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 294.33 292.10 Td (in ) Tj ET Q q 0 0 0 rg BT 304.61 292.10 Td (active ) Tj ET Q q 0 0 0 rg BT 330.98 292.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 365.13 292.10 Td (for ) Tj ET Q q 0 0 0 rg BT 379.29 292.10 Td (identical ) Tj ET Q q 0 0 0 rg BT 416.22 292.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 442.05 292.10 Td (or ) Tj ET Q q 0 0 0 rg BT 452.88 292.10 Td (liabilities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 274.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 274.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 111.50 274.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 119.74 274.10 Td ( ) Tj ET Q q 0 0 0 rg BT 127.98 274.10 Td (Inputs ) Tj ET Q q 0 0 0 rg BT 156.21 274.10 Td (other ) Tj ET Q q 0 0 0 rg BT 180.00 274.10 Td (than ) Tj ET Q q 0 0 0 rg BT 200.45 274.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 230.91 274.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 258.02 274.10 Td (included ) Tj ET Q q 0 0 0 rg BT 295.69 274.10 Td (within ) Tj ET Q q 0 0 0 rg BT 324.48 274.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 350.49 274.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 358.72 274.10 Td (that ) Tj ET Q q 0 0 0 rg BT 376.96 274.10 Td (are ) Tj ET Q q 0 0 0 rg BT 392.40 274.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 438.95 274.10 Td (for ) Tj ET Q q 0 0 0 rg BT 453.85 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 469.30 274.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 491.98 274.10 Td (or ) Tj ET Q q 0 0 0 rg BT 503.55 274.10 Td (liability) Tj ET Q q 0 0 0 rg BT 534.01 274.10 Td (, ) Tj ET Q q 0 0 0 rg BT 539.74 274.10 Td (either ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 262.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 117.97 262.10 Td (or ) Tj ET Q q 0 0 0 rg BT 128.22 262.10 Td (indirectly ) Tj ET Q q 0 0 0 rg BT 168.47 262.10 Td (\(for ) Tj ET Q q 0 0 0 rg BT 185.39 262.10 Td (example, ) Tj ET Q q 0 0 0 rg BT 223.69 262.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 252.83 262.10 Td (market ) Tj ET Q q 0 0 0 rg BT 282.52 262.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 308.32 262.10 Td (for ) Tj ET Q q 0 0 0 rg BT 321.91 262.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 351.61 262.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 376.86 262.10 Td (or ) Tj ET Q q 0 0 0 rg BT 387.12 262.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 426.26 262.10 Td (in ) Tj ET Q q 0 0 0 rg BT 435.97 262.10 Td (active ) Tj ET Q q 0 0 0 rg BT 461.77 262.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 495.35 262.10 Td (or ) Tj ET Q q 0 0 0 rg BT 505.60 262.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 534.75 262.10 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 250.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 112.46 250.10 Td (for ) Tj ET Q q 0 0 0 rg BT 127.20 250.10 Td (identical ) Tj ET Q q 0 0 0 rg BT 164.71 250.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 191.12 250.10 Td (or ) Tj ET Q q 0 0 0 rg BT 202.53 250.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 242.83 250.10 Td (in ) Tj ET Q q 0 0 0 rg BT 253.69 250.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 288.42 250.10 Td (not ) Tj ET Q q 0 0 0 rg BT 304.28 250.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 350.68 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 361.54 250.10 Td (be ) Tj ET Q q 0 0 0 rg BT 374.06 250.10 Td (active, ) Tj ET Q q 0 0 0 rg BT 403.51 250.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 431.04 250.10 Td (other ) Tj ET Q q 0 0 0 rg BT 454.67 250.10 Td (than ) Tj ET Q q 0 0 0 rg BT 474.97 250.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 505.27 250.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 532.22 250.10 Td (that ) Tj ET Q q 0 0 0 rg BT 550.30 250.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 238.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 131.32 238.10 Td (for ) Tj ET Q q 0 0 0 rg BT 145.48 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 160.19 238.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 182.13 238.10 Td (or ) Tj ET Q q 0 0 0 rg BT 192.96 238.10 Td (liability) Tj ET Q q 0 0 0 rg BT 223.42 238.10 Td (, ) Tj ET Q q 0 0 0 rg BT 228.42 238.10 Td (or ) Tj ET Q q 0 0 0 rg BT 239.25 238.10 Td (market-corroborated ) Tj ET Q q 0 0 0 rg BT 323.93 238.10 Td (inputs\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 220.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 220.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 111.31 220.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 119.37 220.10 Td ( ) Tj ET Q q 0 0 0 rg BT 127.42 220.10 Td (Inputs ) Tj ET Q q 0 0 0 rg BT 155.47 220.10 Td (that ) Tj ET Q q 0 0 0 rg BT 173.51 220.10 Td (are ) Tj ET Q q 0 0 0 rg BT 188.77 220.10 Td (not ) Tj ET Q q 0 0 0 rg BT 204.60 220.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 250.97 220.10 Td (from ) Tj ET Q q 0 0 0 rg BT 273.46 220.10 Td (objective ) Tj ET Q q 0 0 0 rg BT 313.16 220.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 346.20 220.10 Td (such ) Tj ET Q q 0 0 0 rg BT 367.58 220.10 Td (as ) Tj ET Q q 0 0 0 rg BT 378.96 220.10 Td (our ) Tj ET Q q 0 0 0 rg BT 395.34 220.10 Td (internally ) Tj ET Q q 0 0 0 rg BT 436.71 220.10 Td (developed ) Tj ET Q q 0 0 0 rg BT 480.86 220.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 533.35 220.10 Td (used ) Tj ET Q q 0 0 0 rg BT 554.74 220.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 208.10 Td (pricing ) Tj ET Q q 0 0 0 rg BT 116.18 208.10 Td (an ) Tj ET Q q 0 0 0 rg BT 127.97 208.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 149.76 208.10 Td (or ) Tj ET Q q 0 0 0 rg BT 160.44 208.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 193.90 208.10 Td (\(for ) Tj ET Q q 0 0 0 rg BT 211.24 208.10 Td (example, ) Tj ET Q q 0 0 0 rg BT 249.96 208.10 Td (an ) Tj ET Q q 0 0 0 rg BT 261.75 208.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 297.42 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 308.10 208.10 Td (future ) Tj ET Q q 0 0 0 rg BT 334.33 208.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 354.45 208.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 379.02 208.10 Td (used ) Tj ET Q q 0 0 0 rg BT 399.70 208.10 Td (in ) Tj ET Q q 0 0 0 rg BT 409.83 208.10 Td (our ) Tj ET Q q 0 0 0 rg BT 425.51 208.10 Td (internally ) Tj ET Q q 0 0 0 rg BT 466.19 208.10 Td (developed ) Tj ET Q q 0 0 0 rg BT 509.63 208.10 Td (present ) Tj ET Q q 0 0 0 rg BT 540.86 208.10 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 196.10 Td (of ) Tj ET Q q 0 0 0 rg BT 96.33 196.10 Td (future ) Tj ET Q q 0 0 0 rg BT 122.71 196.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 142.98 196.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 167.70 196.10 Td (model ) Tj ET Q q 0 0 0 rg BT 195.19 196.10 Td (that ) Tj ET Q q 0 0 0 rg BT 212.69 196.10 Td (underlies ) Tj ET Q q 0 0 0 rg BT 251.84 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 266.56 196.10 Td (fair) Tj ET Q q 0 0 0 rg BT 280.24 196.10 Td (-value ) Tj ET Q q 0 0 0 rg BT 307.72 196.10 Td (measurement\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.10 Td (In ) Tj ET Q q 0 0 0 rg BT 59.70 178.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 109.89 178.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 125.63 178.10 Td (value, ) Tj ET Q q 0 0 0 rg BT 151.65 178.10 Td (we ) Tj ET Q q 0 0 0 rg BT 165.18 178.10 Td (use ) Tj ET Q q 0 0 0 rg BT 180.38 178.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 225.56 178.10 Td (market ) Tj ET Q q 0 0 0 rg BT 255.19 178.10 Td (data ) Tj ET Q q 0 0 0 rg BT 273.72 178.10 Td (when ) Tj ET Q q 0 0 0 rg BT 297.24 178.10 Td (available, ) Tj ET Q q 0 0 0 rg BT 337.70 178.10 Td (or ) Tj ET Q q 0 0 0 rg BT 347.90 178.10 Td (models ) Tj ET Q q 0 0 0 rg BT 378.65 178.10 Td (that ) Tj ET Q q 0 0 0 rg BT 395.52 178.10 Td (incorporate ) Tj ET Q q 0 0 0 rg BT 442.92 178.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 488.10 178.10 Td (market ) Tj ET Q q 0 0 0 rg BT 517.73 178.10 Td (data. ) Tj ET Q q 0 0 0 rg BT 538.62 178.10 Td (When ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.10 Td (we ) Tj ET Q q 0 0 0 rg BT 63.82 166.10 Td (are ) Tj ET Q q 0 0 0 rg BT 78.68 166.10 Td (required ) Tj ET Q q 0 0 0 rg BT 114.66 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 125.09 166.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 161.06 166.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 177.60 166.10 Td (value ) Tj ET Q q 0 0 0 rg BT 201.91 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 219.01 166.10 Td (there ) Tj ET Q q 0 0 0 rg BT 241.65 166.10 Td (is ) Tj ET Q q 0 0 0 rg BT 250.98 166.10 Td (not ) Tj ET Q q 0 0 0 rg BT 266.42 166.10 Td (a ) Tj ET Q q 0 0 0 rg BT 273.51 166.10 Td (market-observable ) Tj ET Q q 0 0 0 rg BT 350.58 166.10 Td (price ) Tj ET Q q 0 0 0 rg BT 373.22 166.10 Td (for ) Tj ET Q q 0 0 0 rg BT 387.54 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 402.41 166.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 424.51 166.10 Td (or ) Tj ET Q q 0 0 0 rg BT 435.50 166.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 469.26 166.10 Td (or ) Tj ET Q q 0 0 0 rg BT 480.25 166.10 Td (for ) Tj ET Q q 0 0 0 rg BT 494.57 166.10 Td (a ) Tj ET Q q 0 0 0 rg BT 501.67 166.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 532.10 166.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 554.19 166.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 154.10 Td (liability) Tj ET Q q 0 0 0 rg BT 79.96 154.10 Td (, ) Tj ET Q q 0 0 0 rg BT 86.78 154.10 Td (we ) Tj ET Q q 0 0 0 rg BT 102.77 154.10 Td (use ) Tj ET Q q 0 0 0 rg BT 120.42 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.96 154.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 157.39 154.10 Td (or ) Tj ET Q q 0 0 0 rg BT 170.05 154.10 Td (income ) Tj ET Q q 0 0 0 rg BT 203.80 154.10 Td (approach ) Tj ET Q q 0 0 0 rg BT 244.77 154.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 290.75 154.10 Td (on ) Tj ET Q q 0 0 0 rg BT 305.08 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 321.62 154.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 353.71 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 366.37 154.10 Td (information ) Tj ET Q q 0 0 0 rg BT 417.90 154.10 Td (available ) Tj ET Q q 0 0 0 rg BT 458.32 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 470.42 154.10 Td (support ) Tj ET Q q 0 0 0 rg BT 504.74 154.10 Td (management) Tj ET Q q 0 0 0 rg BT 558.61 154.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 142.10 Td (assumptions. ) Tj ET Q q 0 0 0 rg BT 102.97 142.10 Td ( ) Tj ET Q q 0 0 0 rg BT 104.39 142.10 Td (The ) Tj ET Q q 0 0 0 rg BT 121.46 142.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 139.09 142.10 Td (approach ) Tj ET Q q 0 0 0 rg BT 177.26 142.10 Td (is ) Tj ET Q q 0 0 0 rg BT 185.46 142.10 Td (based ) Tj ET Q q 0 0 0 rg BT 209.75 142.10 Td (on ) Tj ET Q q 0 0 0 rg BT 221.28 142.10 Td (management) Tj ET Q q 0 0 0 rg BT 275.14 142.10 Td (s ) Tj ET Q q 0 0 0 rg BT 280.56 142.10 Td (best ) Tj ET Q q 0 0 0 rg BT 298.19 142.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 333.04 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 342.89 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 356.64 142.10 Td (current ) Tj ET Q q 0 0 0 rg BT 386.48 142.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 407.44 142.10 Td (replacement ) Tj ET Q q 0 0 0 rg BT 457.82 142.10 Td (cost. ) Tj ET Q q 0 0 0 rg BT 477.84 142.10 Td (The ) Tj ET Q q 0 0 0 rg BT 494.92 142.10 Td (income ) Tj ET Q q 0 0 0 rg BT 525.87 142.10 Td (approach ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 130.10 Td (is ) Tj ET Q q 0 0 0 rg BT 58.26 130.10 Td (based ) Tj ET Q q 0 0 0 rg BT 83.12 130.10 Td (on ) Tj ET Q q 0 0 0 rg BT 95.21 130.10 Td (management) Tj ET Q q 0 0 0 rg BT 149.07 130.10 Td (s ) Tj ET Q q 0 0 0 rg BT 155.05 130.10 Td (best ) Tj ET Q q 0 0 0 rg BT 173.25 130.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 224.79 130.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 265.19 130.10 Td (expectations ) Tj ET Q q 0 0 0 rg BT 317.26 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 327.68 130.10 Td (future ) Tj ET Q q 0 0 0 rg BT 353.65 130.10 Td (net ) Tj ET Q q 0 0 0 rg BT 367.95 130.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 387.81 130.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 412.12 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 428.65 130.10 Td (discounts ) Tj ET Q q 0 0 0 rg BT 468.51 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 482.82 130.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 520.44 130.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 540.30 130.10 Td (flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 118.10 Td (using ) Tj ET Q q 0 0 0 rg BT 74.28 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 81.83 118.10 Td (commensurate ) Tj ET Q q 0 0 0 rg BT 143.26 118.10 Td (risk-adjusted ) Tj ET Q q 0 0 0 rg BT 198.03 118.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 235.02 118.10 Td (rate. ) Tj ET Q q 0 0 0 rg BT 255.62 118.10 Td (Such ) Tj ET Q q 0 0 0 rg BT 278.74 118.10 Td (evaluations ) Tj ET Q q 0 0 0 rg BT 327.39 118.10 Td (involve ) Tj ET Q q 0 0 0 rg BT 360.50 118.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 405.82 118.10 Td (judgment, ) Tj ET Q q 0 0 0 rg BT 449.21 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 466.76 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 482.09 118.10 Td (results ) Tj ET Q q 0 0 0 rg BT 511.31 118.10 Td (are ) Tj ET Q q 0 0 0 rg BT 526.63 118.10 Td (based ) Tj ET Q q 0 0 0 rg BT 552.51 118.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 106.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 87.47 106.10 Td (future ) Tj ET Q q 0 0 0 rg BT 113.78 106.10 Td (events ) Tj ET Q q 0 0 0 rg BT 141.76 106.10 Td (or ) Tj ET Q q 0 0 0 rg BT 152.52 106.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 196.62 106.10 Td (such ) Tj ET Q q 0 0 0 rg BT 217.39 106.10 Td (as ) Tj ET Q q 0 0 0 rg BT 228.15 106.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 250.02 106.10 Td (prices, ) Tj ET Q q 0 0 0 rg BT 278.83 106.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 320.14 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 337.01 106.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 380.54 106.10 Td (climates, ) Tj ET Q q 0 0 0 rg BT 418.79 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 435.67 106.10 Td (other ) Tj ET Q q 0 0 0 rg BT 458.65 106.10 Td (factors, ) Tj ET Q q 0 0 0 rg BT 490.79 106.10 Td (most ) Tj ET Q q 0 0 0 rg BT 512.67 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 523.44 106.10 Td (which ) Tj ET Q q 0 0 0 rg BT 550.31 106.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 94.10 Td (often ) Tj ET Q q 0 0 0 rg BT 72.87 94.10 Td (outside ) Tj ET Q q 0 0 0 rg BT 104.59 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 115.75 94.10 Td (management) Tj ET Q q 0 0 0 rg BT 169.61 94.10 Td (s ) Tj ET Q q 0 0 0 rg BT 176.33 94.10 Td (control. ) Tj ET Q q 0 0 0 rg BT 209.98 94.10 Td (However) Tj ET Q q 0 0 0 rg BT 246.23 94.10 Td (, ) Tj ET Q q 0 0 0 rg BT 251.56 94.10 Td (we ) Tj ET Q q 0 0 0 rg BT 266.05 94.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 297.75 94.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 350.02 94.10 Td (used ) Tj ET Q q 0 0 0 rg BT 371.18 94.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 399.54 94.10 Td (a ) Tj ET Q q 0 0 0 rg BT 406.80 94.10 Td (market ) Tj ET Q q 0 0 0 rg BT 437.40 94.10 Td (participant) Tj ET Q q 0 0 0 rg BT 482.93 94.10 Td (s ) Tj ET Q q 0 0 0 rg BT 489.65 94.10 Td (view ) Tj ET Q q 0 0 0 rg BT 511.92 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 523.07 94.10 Td (long-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 82.10 Td (prices, ) Tj ET Q q 0 0 0 rg BT 78.38 82.10 Td (costs, ) Tj ET Q q 0 0 0 rg BT 103.38 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 120.32 82.10 Td (other ) Tj ET Q q 0 0 0 rg BT 143.36 82.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 173.07 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 190.01 82.10 Td (are ) Tj ET Q q 0 0 0 rg BT 204.71 82.10 Td (consistent ) Tj ET Q q 0 0 0 rg BT 247.21 82.10 Td (with ) Tj ET Q q 0 0 0 rg BT 267.49 82.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 319.44 82.10 Td (used ) Tj ET Q q 0 0 0 rg BT 340.27 82.10 Td (in ) Tj ET Q q 0 0 0 rg BT 350.54 82.10 Td (our ) Tj ET Q q 0 0 0 rg BT 366.38 82.10 Td (business ) Tj ET Q q 0 0 0 rg BT 402.77 82.10 Td (plans ) Tj ET Q q 0 0 0 rg BT 426.38 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 443.31 82.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 489.70 82.10 Td (decisions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 64.10 Td (In ) Tj ET Q q 0 0 0 rg BT 59.76 64.10 Td (arriving ) Tj ET Q q 0 0 0 rg BT 93.35 64.10 Td (at ) Tj ET Q q 0 0 0 rg BT 102.49 64.10 Td (fair) Tj ET Q q 0 0 0 rg BT 116.17 64.10 Td (-value ) Tj ET Q q 0 0 0 rg BT 143.08 64.10 Td (estimates, ) Tj ET Q q 0 0 0 rg BT 184.73 64.10 Td (we ) Tj ET Q q 0 0 0 rg BT 198.32 64.10 Td (use ) Tj ET Q q 0 0 0 rg BT 213.58 64.10 Td (relevant ) Tj ET Q q 0 0 0 rg BT 247.71 64.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 292.96 64.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 319.33 64.10 Td (available ) Tj ET Q q 0 0 0 rg BT 357.35 64.10 Td (for ) Tj ET Q q 0 0 0 rg BT 370.94 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.09 64.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 424.23 64.10 Td (technique ) Tj ET Q q 0 0 0 rg BT 465.03 64.10 Td (employed. ) Tj ET Q q 0 0 0 rg BT 508.90 64.10 Td (If ) Tj ET Q q 0 0 0 rg BT 517.49 64.10 Td (a ) Tj ET Q q 0 0 0 rg BT 523.86 64.10 Td (fair) Tj ET Q q 0 0 0 rg BT 537.53 64.10 Td (-value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 52.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 104.54 52.10 Td (reflects ) Tj ET Q q 0 0 0 rg BT 135.69 52.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 161.86 52.10 Td (at ) Tj ET Q q 0 0 0 rg BT 170.80 52.10 Td (multiple ) Tj ET Q q 0 0 0 rg BT 205.86 52.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 230.91 52.10 Td (within ) Tj ET Q q 0 0 0 rg BT 258.19 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 272.14 52.10 Td (hierarchy) Tj ET Q q 0 0 0 rg BT 309.24 52.10 Td (, ) Tj ET Q q 0 0 0 rg BT 313.47 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 327.41 52.10 Td (fair) Tj ET Q q 0 0 0 rg BT 341.09 52.10 Td (-value ) Tj ET Q q 0 0 0 rg BT 367.80 52.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 422.83 52.10 Td (is ) Tj ET Q q 0 0 0 rg BT 431.23 52.10 Td (characterized ) Tj ET Q q 0 0 0 rg BT 486.24 52.10 Td (based ) Tj ET Q q 0 0 0 rg BT 510.74 52.10 Td (on ) Tj ET Q q 0 0 0 rg BT 522.46 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 536.41 52.10 Td (lowest ) Tj ET Q endstream endobj 141 0 obj <>] /Rotate 0 /Contents 142 0 R>> endobj 142 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (69) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 731.10 Td (level ) Tj ET Q q 0 0 0 rg BT 71.43 731.10 Td (of ) Tj ET Q q 0 0 0 rg BT 82.26 731.10 Td (input ) Tj ET Q q 0 0 0 rg BT 105.32 731.10 Td (that ) Tj ET Q q 0 0 0 rg BT 122.82 731.10 Td (is ) Tj ET Q q 0 0 0 rg BT 131.99 731.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 176.70 731.10 Td (to ) Tj ET Q q 0 0 0 rg BT 186.98 731.10 Td (the ) Tj ET Q q 0 0 0 rg BT 201.69 731.10 Td (fair) Tj ET Q q 0 0 0 rg BT 215.37 731.10 Td (-value ) Tj ET Q q 0 0 0 rg BT 242.85 731.10 Td (measurement. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 713.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.23 713.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 83.28 713.10 Td (value ) Tj ET Q q 0 0 0 rg BT 107.12 713.10 Td (of ) Tj ET Q q 0 0 0 rg BT 117.63 713.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 137.58 713.10 Td (and ) Tj ET Q q 0 0 0 rg BT 154.20 713.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 174.15 713.10 Td (equivalents, ) Tj ET Q q 0 0 0 rg BT 224.37 713.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 263.75 713.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 283.70 713.10 Td (held ) Tj ET Q q 0 0 0 rg BT 303.10 713.10 Td (by ) Tj ET Q q 0 0 0 rg BT 315.28 713.10 Td (the ) Tj ET Q q 0 0 0 rg BT 329.67 713.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 382.24 713.10 Td (VIEs ) Tj ET Q q 0 0 0 rg BT 404.97 713.10 Td (and ) Tj ET Q q 0 0 0 rg BT 421.59 713.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 458.75 713.10 Td (payable ) Tj ET Q q 0 0 0 rg BT 492.03 713.10 Td (approximate ) Tj ET Q q 0 0 0 rg BT 544.19 713.10 Td (their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 701.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 85.07 701.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 121.21 701.10 Td (because ) Tj ET Q q 0 0 0 rg BT 155.12 701.10 Td (of ) Tj ET Q q 0 0 0 rg BT 165.70 701.10 Td (the ) Tj ET Q q 0 0 0 rg BT 180.17 701.10 Td (short ) Tj ET Q q 0 0 0 rg BT 202.43 701.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 238.57 701.10 Td (of ) Tj ET Q q 0 0 0 rg BT 249.15 701.10 Td (these ) Tj ET Q q 0 0 0 rg BT 271.96 701.10 Td (instruments. ) Tj ET Q q 0 0 0 rg BT 323.21 701.10 Td (The ) Tj ET Q q 0 0 0 rg BT 341.02 701.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 357.15 701.10 Td (value ) Tj ET Q q 0 0 0 rg BT 381.06 701.10 Td (of ) Tj ET Q q 0 0 0 rg BT 391.65 701.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 430.56 701.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 467.80 701.10 Td (receivables, ) Tj ET Q q 0 0 0 rg BT 517.53 701.10 Td (determined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 689.10 Td (using ) Tj ET Q q 0 0 0 rg BT 74.17 689.10 Td (a ) Tj ET Q q 0 0 0 rg BT 81.60 689.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 107.36 689.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 115.35 689.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 161.68 689.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 182.44 689.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 203.77 689.10 Td (analysis, ) Tj ET Q q 0 0 0 rg BT 241.48 689.10 Td (approximates ) Tj ET Q q 0 0 0 rg BT 298.35 689.10 Td (their ) Tj ET Q q 0 0 0 rg BT 319.67 689.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 355.98 689.10 Td (amount, ) Tj ET Q q 0 0 0 rg BT 391.47 689.10 Td (which ) Tj ET Q q 0 0 0 rg BT 418.90 689.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 455.22 689.10 Td (the ) Tj ET Q q 0 0 0 rg BT 470.44 689.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 513.96 689.10 Td (for ) Tj ET Q q 0 0 0 rg BT 528.62 689.10 Td (doubtful ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 677.10 Td (accounts. ) Tj ET Q q 0 0 0 rg BT 88.71 677.10 Td (The ) Tj ET Q q 0 0 0 rg BT 106.11 677.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 121.85 677.10 Td (value ) Tj ET Q q 0 0 0 rg BT 145.36 677.10 Td (of ) Tj ET Q q 0 0 0 rg BT 155.54 677.10 Td (our ) Tj ET Q q 0 0 0 rg BT 170.73 677.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 210.91 677.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 235.53 677.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 265.71 677.10 Td (approximates ) Tj ET Q q 0 0 0 rg BT 321.44 677.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 356.61 677.10 Td (value ) Tj ET Q q 0 0 0 rg BT 380.13 677.10 Td (based ) Tj ET Q q 0 0 0 rg BT 404.75 677.10 Td (on ) Tj ET Q q 0 0 0 rg BT 416.61 677.10 Td (the ) Tj ET Q q 0 0 0 rg BT 430.68 677.10 Td (current ) Tj ET Q q 0 0 0 rg BT 460.85 677.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 504.37 677.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 521.21 677.10 Td (for ) Tj ET Q q 0 0 0 rg BT 534.73 677.10 Td (similar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 665.10 Td (types ) Tj ET Q q 0 0 0 rg BT 73.71 665.10 Td (of ) Tj ET Q q 0 0 0 rg BT 85.13 665.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 129.89 665.10 Td (arrangements. ) Tj ET Q q 0 0 0 rg BT 189.35 665.10 Td ( ) Tj ET Q q 0 0 0 rg BT 191.77 665.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.87 665.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 254.06 665.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.06 665.10 Td (, ) Tj ET Q q 0 0 0 rg BT 279.66 665.10 Td (the ) Tj ET Q q 0 0 0 rg BT 294.98 665.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 311.95 665.10 Td (value ) Tj ET Q q 0 0 0 rg BT 336.70 665.10 Td (of ) Tj ET Q q 0 0 0 rg BT 348.13 665.10 Td (the ) Tj ET Q q 0 0 0 rg BT 363.45 665.10 Td (Senior ) Tj ET Q q 0 0 0 rg BT 392.65 665.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 419.08 665.10 Td (outstanding, ) Tj ET Q q 0 0 0 rg BT 471.35 665.10 Td (which ) Tj ET Q q 0 0 0 rg BT 498.88 665.10 Td (was ) Tj ET Q q 0 0 0 rg BT 517.53 665.10 Td (determined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 653.10 Td (using ) Tj ET Q q 0 0 0 rg BT 73.46 653.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 98.52 653.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 105.81 653.10 Td (inputs, ) Tj ET Q q 0 0 0 rg BT 135.05 653.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.89 653.10 Td ($228.4 ) Tj ET Q q 0 0 0 rg BT 182.68 653.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.57 653.10 Td ( ) Tj ET Q q 0 0 0 rg BT 213.87 653.10 Td (as ) Tj ET Q q 0 0 0 rg BT 224.49 653.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 266.20 653.10 Td (to ) Tj ET Q q 0 0 0 rg BT 276.27 653.10 Td (the ) Tj ET Q q 0 0 0 rg BT 290.78 653.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 326.39 653.10 Td (value ) Tj ET Q q 0 0 0 rg BT 350.33 653.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.96 653.10 Td ($227.0 ) Tj ET Q q 0 0 0 rg BT 390.75 653.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.64 653.10 Td (, ) Tj ET Q q 0 0 0 rg BT 424.43 653.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 466.16 653.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.66 653.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 510.17 653.10 Td (of ) Tj ET Q q 0 0 0 rg BT 520.79 653.10 Td (the ) Tj ET Q q 0 0 0 rg BT 535.30 653.10 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 641.10 Td (discount. ) Tj ET Q q 0 0 0 rg BT 87.37 641.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.26 641.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 147.26 641.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.26 641.10 Td (, ) Tj ET Q q 0 0 0 rg BT 171.65 641.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.77 641.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 201.54 641.10 Td (value ) Tj ET Q q 0 0 0 rg BT 225.09 641.10 Td (of ) Tj ET Q q 0 0 0 rg BT 235.32 641.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.44 641.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 302.42 641.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 325.42 641.10 Td (approximates ) Tj ET Q q 0 0 0 rg BT 381.19 641.10 Td (their ) Tj ET Q q 0 0 0 rg BT 401.41 641.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 436.63 641.10 Td (value ) Tj ET Q q 0 0 0 rg BT 460.18 641.10 Td (and ) Tj ET Q q 0 0 0 rg BT 476.51 641.10 Td (was ) Tj ET Q q 0 0 0 rg BT 493.96 641.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 540.84 641.10 Td (using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 629.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 74.76 629.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 82.26 629.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 109.21 629.10 Td (based ) Tj ET Q q 0 0 0 rg BT 134.48 629.10 Td (on ) Tj ET Q q 0 0 0 rg BT 146.98 629.10 Td (inactive ) Tj ET Q q 0 0 0 rg BT 181.13 629.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 211.96 629.10 Td (activity) Tj ET Q q 0 0 0 rg BT 241.30 629.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 611.10 Td (Recent ) Tj ET Q q 0 0 0 rg BT 82.94 611.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 136.73 611.10 Td (Pronouncements ) Tj ET Q q 0 0 0 rg BT 211.85 611.10 Td (Adopted. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.23 611.10 Td (In ) Tj ET Q q 0 0 0 rg BT 271.07 611.10 Td (March ) Tj ET Q q 0 0 0 rg BT 303.17 611.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 331.67 611.10 Td (the ) Tj ET Q q 0 0 0 rg BT 349.89 611.10 Td (F) Tj ET Q q 0 0 0 rg BT 354.71 611.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 380.16 611.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 409.84 611.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 435.84 611.10 Td (2016-09,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 474.17 611.10 Td (CompensationStock ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 599.10 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 110.75 599.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 118.73 599.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 139.42 599.10 Td (718\): ) Tj ET Q q 0 0 0 rg BT 164.56 599.10 Td (Impr) Tj ET Q q 0 0 0 rg BT 183.63 599.10 Td (ovements ) Tj ET Q q 0 0 0 rg BT 224.31 599.10 Td (to ) Tj ET Q q 0 0 0 rg BT 235.56 599.10 Td (Employee ) Tj ET Q q 0 0 0 rg BT 278.46 599.10 Td (Shar) Tj ET Q q 0 0 0 rg BT 296.98 599.10 Td (e-Based ) Tj ET Q q 0 0 0 rg BT 332.67 599.10 Td (Payment ) Tj ET Q q 0 0 0 rg BT 370.88 599.10 Td (Accounting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.42 599.10 Td (,which ) Tj ET Q q 0 0 0 rg BT 449.33 599.10 Td (modifies ) Tj ET Q q 0 0 0 rg BT 487.80 599.10 Td (the ) Tj ET Q q 0 0 0 rg BT 503.50 599.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 550.84 599.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 587.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 77.50 587.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 91.62 587.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 125.18 587.10 Td (and ) Tj ET Q q 0 0 0 rg BT 141.52 587.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 155.64 587.10 Td (deficiencies ) Tj ET Q q 0 0 0 rg BT 205.29 587.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 248.28 587.10 Td (with ) Tj ET Q q 0 0 0 rg BT 267.96 587.10 Td (share-based ) Tj ET Q q 0 0 0 rg BT 317.06 587.10 Td (payments, ) Tj ET Q q 0 0 0 rg BT 359.79 587.10 Td (the ) Tj ET Q q 0 0 0 rg BT 373.91 587.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 419.68 587.10 Td (for ) Tj ET Q q 0 0 0 rg BT 433.24 587.10 Td (forfeitures, ) Tj ET Q q 0 0 0 rg BT 479.29 587.10 Td (and ) Tj ET Q q 0 0 0 rg BT 495.63 587.10 Td (the ) Tj ET Q q 0 0 0 rg BT 509.75 587.10 Td (classification ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 575.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.30 575.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 91.97 575.10 Td (items ) Tj ET Q q 0 0 0 rg BT 117.10 575.10 Td (on ) Tj ET Q q 0 0 0 rg BT 130.56 575.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.25 575.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 188.04 575.10 Td (of ) Tj ET Q q 0 0 0 rg BT 199.83 575.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 221.07 575.10 Td (flows. ) Tj ET Q q 0 0 0 rg BT 248.49 575.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 271.96 575.10 Td (2016-09 ) Tj ET Q q 0 0 0 rg BT 308.76 575.10 Td (eliminates ) Tj ET Q q 0 0 0 rg BT 353.32 575.10 Td (the ) Tj ET Q q 0 0 0 rg BT 369.01 575.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 420.79 575.10 Td (to ) Tj ET Q q 0 0 0 rg BT 432.03 575.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 474.36 575.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 503.93 575.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 519.61 575.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 554.73 575.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 563.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 91.28 563.10 Td (paid-in ) Tj ET Q q 0 0 0 rg BT 121.39 563.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 149.83 563.10 Td (\("APIC"\), ) Tj ET Q q 0 0 0 rg BT 191.73 563.10 Td (and ) Tj ET Q q 0 0 0 rg BT 207.96 563.10 Td (the ) Tj ET Q q 0 0 0 rg BT 221.97 563.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 272.07 563.10 Td (to ) Tj ET Q q 0 0 0 rg BT 281.63 563.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 316.73 563.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 330.74 563.10 Td (deficiencies ) Tj ET Q q 0 0 0 rg BT 380.28 563.10 Td (for ) Tj ET Q q 0 0 0 rg BT 393.33 563.10 Td (APIC ) Tj ET Q q 0 0 0 rg BT 417.91 563.10 Td (or ) Tj ET Q q 0 0 0 rg BT 428.03 563.10 Td (income ) Tj ET Q q 0 0 0 rg BT 459.25 563.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 473.26 563.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 507.25 563.10 Td (classification, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 551.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.54 551.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 103.58 551.10 Td (for ) Tj ET Q q 0 0 0 rg BT 117.84 551.10 Td (these ) Tj ET Q q 0 0 0 rg BT 140.99 551.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 175.25 551.10 Td (or ) Tj ET Q q 0 0 0 rg BT 186.18 551.10 Td (deficiencies ) Tj ET Q q 0 0 0 rg BT 236.53 551.10 Td (to ) Tj ET Q q 0 0 0 rg BT 246.91 551.10 Td (be ) Tj ET Q q 0 0 0 rg BT 258.95 551.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 296.53 551.10 Td (as ) Tj ET Q q 0 0 0 rg BT 307.46 551.10 Td (an ) Tj ET Q q 0 0 0 rg BT 319.50 551.10 Td (income ) Tj ET Q q 0 0 0 rg BT 351.53 551.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 366.35 551.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 401.16 551.10 Td (or ) Tj ET Q q 0 0 0 rg BT 412.09 551.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 442.46 551.10 Td (in ) Tj ET Q q 0 0 0 rg BT 452.84 551.10 Td (the ) Tj ET Q q 0 0 0 rg BT 467.66 551.10 Td (income ) Tj ET Q q 0 0 0 rg BT 499.69 551.10 Td (statement. ) Tj ET Q q 0 0 0 rg BT 542.92 551.10 Td (W) Tj ET Q q 0 0 0 rg BT 551.96 551.10 Td (ith ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 539.10 Td (these ) Tj ET Q q 0 0 0 rg BT 73.39 539.10 Td (changes, ) Tj ET Q q 0 0 0 rg BT 111.44 539.10 Td (tax-related ) Tj ET Q q 0 0 0 rg BT 157.53 539.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 178.64 539.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 204.20 539.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 242.54 539.10 Td (from ) Tj ET Q q 0 0 0 rg BT 265.32 539.10 Td (share-based ) Tj ET Q q 0 0 0 rg BT 315.85 539.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 357.52 539.10 Td (are ) Tj ET Q q 0 0 0 rg BT 373.07 539.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 414.17 539.10 Td (as ) Tj ET Q q 0 0 0 rg BT 425.85 539.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 466.95 539.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 506.39 539.10 Td (as ) Tj ET Q q 0 0 0 rg BT 518.06 539.10 Td (opposed ) Tj ET Q q 0 0 0 rg BT 554.73 539.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 527.10 Td (financing. ) Tj ET Q q 0 0 0 rg BT 92.06 527.10 Td (The ) Tj ET Q q 0 0 0 rg BT 110.09 527.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 146.44 527.10 Td (became ) Tj ET Q q 0 0 0 rg BT 179.45 527.10 Td (ef) Tj ET Q q 0 0 0 rg BT 187.04 527.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 216.72 527.10 Td (for ) Tj ET Q q 0 0 0 rg BT 230.86 527.10 Td (us ) Tj ET Q q 0 0 0 rg BT 242.23 527.10 Td (in ) Tj ET Q q 0 0 0 rg BT 252.48 527.10 Td (the ) Tj ET Q q 0 0 0 rg BT 267.18 527.10 Td (first ) Tj ET Q q 0 0 0 rg BT 285.77 527.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 316.56 527.10 Td (of ) Tj ET Q q 0 0 0 rg BT 327.37 527.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 351.50 527.10 Td (year ) Tj ET Q q 0 0 0 rg BT 371.19 527.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 395.98 527.10 Td (The ) Tj ET Q q 0 0 0 rg BT 414.01 527.10 Td (amendment ) Tj ET Q q 0 0 0 rg BT 463.14 527.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 502.27 527.10 Td (the ) Tj ET Q q 0 0 0 rg BT 516.97 527.10 Td (recognition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 515.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.38 515.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 89.03 515.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 103.79 515.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 138.00 515.10 Td (and ) Tj ET Q q 0 0 0 rg BT 154.98 515.10 Td (deficiencies ) Tj ET Q q 0 0 0 rg BT 205.28 515.10 Td (as ) Tj ET Q q 0 0 0 rg BT 216.16 515.10 Td (income ) Tj ET Q q 0 0 0 rg BT 248.14 515.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 262.91 515.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 293.22 515.10 Td (or ) Tj ET Q q 0 0 0 rg BT 304.10 515.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 338.86 515.10 Td (in ) Tj ET Q q 0 0 0 rg BT 349.18 515.10 Td (the ) Tj ET Q q 0 0 0 rg BT 363.95 515.10 Td (income ) Tj ET Q q 0 0 0 rg BT 395.93 515.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 436.80 515.10 Td (as ) Tj ET Q q 0 0 0 rg BT 447.68 515.10 Td (opposed ) Tj ET Q q 0 0 0 rg BT 483.56 515.10 Td (to ) Tj ET Q q 0 0 0 rg BT 493.88 515.10 Td (being ) Tj ET Q q 0 0 0 rg BT 518.65 515.10 Td (recognized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 503.10 Td (as ) Tj ET Q q 0 0 0 rg BT 61.58 503.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 105.33 503.10 Td (paid-in-capital ) Tj ET Q q 0 0 0 rg BT 167.39 503.10 Td (was ) Tj ET Q q 0 0 0 rg BT 186.69 503.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 219.88 503.10 Td (prospectively) Tj ET Q q 0 0 0 rg BT 273.10 503.10 Td (. ) Tj ET Q q 0 0 0 rg BT 279.09 503.10 Td (The ) Tj ET Q q 0 0 0 rg BT 298.39 503.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 341.03 503.10 Td (retrospectively ) Tj ET Q q 0 0 0 rg BT 404.20 503.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 439.61 503.10 Td (the ) Tj ET Q q 0 0 0 rg BT 455.58 503.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 509.88 503.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 550.29 503.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 491.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 104.71 491.10 Td (of ) Tj ET Q q 0 0 0 rg BT 115.49 491.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 144.03 491.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 158.70 491.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 192.80 491.10 Td (and ) Tj ET Q q 0 0 0 rg BT 209.69 491.10 Td (deficiencies ) Tj ET Q q 0 0 0 rg BT 259.89 491.10 Td (with ) Tj ET Q q 0 0 0 rg BT 280.12 491.10 Td (other ) Tj ET Q q 0 0 0 rg BT 303.11 491.10 Td (income ) Tj ET Q q 0 0 0 rg BT 334.99 491.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 349.66 491.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 369.88 491.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 394.55 491.10 Td (as ) Tj ET Q q 0 0 0 rg BT 405.33 491.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 445.54 491.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 484.08 491.10 Td (and ) Tj ET Q q 0 0 0 rg BT 500.97 491.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 521.19 491.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 540.85 491.10 Td (when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 479.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 82.15 479.10 Td (withholding ) Tj ET Q q 0 0 0 rg BT 132.59 479.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 159.69 479.10 Td (as ) Tj ET Q q 0 0 0 rg BT 170.12 479.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 209.99 479.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 248.20 479.10 Td (in ) Tj ET Q q 0 0 0 rg BT 258.08 479.10 Td (the ) Tj ET Q q 0 0 0 rg BT 272.40 479.10 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 332.82 479.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 385.47 479.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 429.78 479.10 Td (of ) Tj ET Q q 0 0 0 rg BT 440.22 479.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 460.10 479.10 Td (flows. ) Tj ET Q q 0 0 0 rg BT 486.77 479.10 Td (The ) Tj ET Q q 0 0 0 rg BT 504.42 479.10 Td (total ) Tj ET Q q 0 0 0 rg BT 524.30 479.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 544.18 479.10 Td (flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 467.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 79.71 467.10 Td (for ) Tj ET Q q 0 0 0 rg BT 94.36 467.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 119.01 467.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.22 467.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.22 467.10 Td ( ) Tj ET Q q 0 0 0 rg BT 162.21 467.10 Td (and ) Tj ET Q q 0 0 0 rg BT 179.65 467.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 204.30 467.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.50 467.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.50 467.10 Td ( ) Tj ET Q q 0 0 0 rg BT 247.50 467.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.04 467.10 Td ($0.0 ) Tj ET Q q 0 0 0 rg BT 286.54 467.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.43 467.10 Td ( ) Tj ET Q q 0 0 0 rg BT 318.43 467.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.86 467.10 Td ($2.3 ) Tj ET Q q 0 0 0 rg BT 356.36 467.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.25 467.10 Td (, ) Tj ET Q q 0 0 0 rg BT 390.74 467.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 438.40 467.10 Td (. ) Tj ET Q q 0 0 0 rg BT 443.90 467.10 Td ( ) Tj ET Q q 0 0 0 rg BT 446.68 467.10 Td (The ) Tj ET Q q 0 0 0 rg BT 465.22 467.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 507.10 467.10 Td (has ) Tj ET Q q 0 0 0 rg BT 523.43 467.10 Td (elected ) Tj ET Q q 0 0 0 rg BT 554.74 467.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 455.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 86.15 455.10 Td (its ) Tj ET Q q 0 0 0 rg BT 97.81 455.10 Td (current ) Tj ET Q q 0 0 0 rg BT 128.34 455.10 Td (practice ) Tj ET Q q 0 0 0 rg BT 162.19 455.10 Td (of ) Tj ET Q q 0 0 0 rg BT 172.73 455.10 Td (estimating ) Tj ET Q q 0 0 0 rg BT 216.61 455.10 Td (the ) Tj ET Q q 0 0 0 rg BT 231.04 455.10 Td (number ) Tj ET Q q 0 0 0 rg BT 263.80 455.10 Td (of ) Tj ET Q q 0 0 0 rg BT 274.34 455.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 304.88 455.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 342.62 455.10 Td (to ) Tj ET Q q 0 0 0 rg BT 352.61 455.10 Td (vest ) Tj ET Q q 0 0 0 rg BT 370.94 455.10 Td (in ) Tj ET Q q 0 0 0 rg BT 380.93 455.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 431.46 455.10 Td (the ) Tj ET Q q 0 0 0 rg BT 445.89 455.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 478.10 455.10 Td (of ) Tj ET Q q 0 0 0 rg BT 488.64 455.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 546.40 455.10 Td (cost ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 443.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.78 443.10 Td (be ) Tj ET Q q 0 0 0 rg BT 71.72 443.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 118.08 443.10 Td (related ) Tj ET Q q 0 0 0 rg BT 147.78 443.10 Td (to ) Tj ET Q q 0 0 0 rg BT 158.06 443.10 Td (share ) Tj ET Q q 0 0 0 rg BT 181.66 443.10 Td (based ) Tj ET Q q 0 0 0 rg BT 206.93 443.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 243.86 443.10 Td (transactions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 425.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.91 425.10 Td (July ) Tj ET Q q 0 0 0 rg BT 80.67 425.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 106.25 425.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.55 425.10 Td (F) Tj ET Q q 0 0 0 rg BT 126.37 425.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 148.90 425.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 176.30 425.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 199.39 425.10 Td (2015-1) Tj ET Q q 0 0 0 rg BT 227.35 425.10 Td (1,I) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 240.68 425.10 Td (nventory ) Tj ET Q q 0 0 0 rg BT 278.75 425.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 286.72 425.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 307.02 425.10 Td (330\): ) Tj ET Q q 0 0 0 rg BT 331.76 425.10 Td (Simplifying ) Tj ET Q q 0 0 0 rg BT 380.40 425.10 Td (the ) Tj ET Q q 0 0 0 rg BT 395.70 425.10 Td (Measur) Tj ET Q q 0 0 0 rg BT 425.88 425.10 Td (ement ) Tj ET Q q 0 0 0 rg BT 452.84 425.10 Td (of ) Tj ET Q q 0 0 0 rg BT 463.70 425.10 Td (Inventory) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.01 425.10 Td (.) Tj ET Q q 0 0 0 rg BT 506.46 425.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 529.55 425.10 Td (2015-1) Tj ET Q q 0 0 0 rg BT 557.51 425.10 Td (1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 413.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 84.20 413.10 Td (that ) Tj ET Q q 0 0 0 rg BT 101.69 413.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 142.50 413.10 Td (that ) Tj ET Q q 0 0 0 rg BT 159.99 413.10 Td (is ) Tj ET Q q 0 0 0 rg BT 169.15 413.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 212.17 413.10 Td (for ) Tj ET Q q 0 0 0 rg BT 226.33 413.10 Td (using ) Tj ET Q q 0 0 0 rg BT 250.49 413.10 Td (first-in, ) Tj ET Q q 0 0 0 rg BT 282.70 413.10 Td (first-out ) Tj ET Q q 0 0 0 rg BT 317.41 413.10 Td (or ) Tj ET Q q 0 0 0 rg BT 328.23 413.10 Td (average ) Tj ET Q q 0 0 0 rg BT 361.80 413.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 380.40 413.10 Td (method ) Tj ET Q q 0 0 0 rg BT 412.89 413.10 Td (and ) Tj ET Q q 0 0 0 rg BT 429.82 413.10 Td (has ) Tj ET Q q 0 0 0 rg BT 445.64 413.10 Td (historically ) Tj ET Q q 0 0 0 rg BT 493.12 413.10 Td (been ) Tj ET Q q 0 0 0 rg BT 514.49 413.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 555.30 413.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 401.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.03 401.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 89.12 401.10 Td (of ) Tj ET Q q 0 0 0 rg BT 99.77 401.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 118.19 401.10 Td (or ) Tj ET Q q 0 0 0 rg BT 128.84 401.10 Td (market ) Tj ET Q q 0 0 0 rg BT 158.92 401.10 Td (be ) Tj ET Q q 0 0 0 rg BT 170.67 401.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 211.31 401.10 Td (at ) Tj ET Q q 0 0 0 rg BT 220.84 401.10 Td (the ) Tj ET Q q 0 0 0 rg BT 235.37 401.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 260.46 401.10 Td (of ) Tj ET Q q 0 0 0 rg BT 271.11 401.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 289.53 401.10 Td (and ) Tj ET Q q 0 0 0 rg BT 306.29 401.10 Td (net ) Tj ET Q q 0 0 0 rg BT 320.82 401.10 Td (realizable ) Tj ET Q q 0 0 0 rg BT 362.00 401.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 388.30 401.10 Td (The ) Tj ET Q q 0 0 0 rg BT 406.16 401.10 Td (update ) Tj ET Q q 0 0 0 rg BT 435.14 401.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 469.66 401.10 Td (prospective ) Tj ET Q q 0 0 0 rg BT 518.07 401.10 Td (application ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 389.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.74 389.10 Td (became ) Tj ET Q q 0 0 0 rg BT 100.07 389.10 Td (ef) Tj ET Q q 0 0 0 rg BT 107.66 389.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 137.67 389.10 Td (for ) Tj ET Q q 0 0 0 rg BT 152.13 389.10 Td (us ) Tj ET Q q 0 0 0 rg BT 163.82 389.10 Td (in ) Tj ET Q q 0 0 0 rg BT 174.40 389.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.42 389.10 Td (first ) Tj ET Q q 0 0 0 rg BT 208.33 389.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 239.45 389.10 Td (of ) Tj ET Q q 0 0 0 rg BT 250.58 389.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 275.04 389.10 Td (year ) Tj ET Q q 0 0 0 rg BT 295.04 389.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 320.14 389.10 Td (The ) Tj ET Q q 0 0 0 rg BT 338.49 389.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 376.29 389.10 Td (of ) Tj ET Q q 0 0 0 rg BT 387.42 389.10 Td (this ) Tj ET Q q 0 0 0 rg BT 404.05 389.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 426.86 389.10 Td (did ) Tj ET Q q 0 0 0 rg BT 442.44 389.10 Td (not ) Tj ET Q q 0 0 0 rg BT 458.02 389.10 Td (have ) Tj ET Q q 0 0 0 rg BT 479.70 389.10 Td (a ) Tj ET Q q 0 0 0 rg BT 486.94 389.10 Td (material ) Tj ET Q q 0 0 0 rg BT 522.50 389.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 552.51 389.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 377.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.33 377.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 118.37 377.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 155.85 377.10 Td (statements.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 359.10 Td (Recent ) Tj ET Q q 0 0 0 rg BT 79.83 359.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 129.98 359.10 Td (Pronouncements ) Tj ET Q q 0 0 0 rg BT 202.17 359.10 Td (Y) Tj ET Q q 0 0 0 rg BT 207.17 359.10 Td (et ) Tj ET Q q 0 0 0 rg BT 216.74 359.10 Td (T) Tj ET Q q 0 0 0 rg BT 221.93 359.10 Td (o ) Tj ET Q q 0 0 0 rg BT 229.29 359.10 Td (Be ) Tj ET Q q 0 0 0 rg BT 242.40 359.10 Td (Adopted. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.15 359.10 Td (In ) Tj ET Q q 0 0 0 rg BT 291.83 359.10 Td (May ) Tj ET Q q 0 0 0 rg BT 312.52 359.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 337.38 359.10 Td (the ) Tj ET Q q 0 0 0 rg BT 351.95 359.10 Td (F) Tj ET Q q 0 0 0 rg BT 356.77 359.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 378.58 359.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 405.41 359.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 427.77 359.10 Td (2014-09, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 465.96 359.10 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 502.18 359.10 Td (fr) Tj ET Q q 0 0 0 rg BT 508.48 359.10 Td (om ) Tj ET Q q 0 0 0 rg BT 523.05 359.10 Td (Contracts ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 347.10 Td (with ) Tj ET Q q 0 0 0 rg BT 68.73 347.10 Td (Customers) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.52 347.10 Td (, ) Tj ET Q q 0 0 0 rg BT 116.02 347.10 Td (which ) Tj ET Q q 0 0 0 rg BT 142.47 347.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 178.91 347.10 Td (a ) Tj ET Q q 0 0 0 rg BT 185.35 347.10 Td (single ) Tj ET Q q 0 0 0 rg BT 211.25 347.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 273.79 347.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 319.66 347.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 355.55 347.10 Td (for ) Tj ET Q q 0 0 0 rg BT 369.21 347.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 402.86 347.10 Td (recognition ) Tj ET Q q 0 0 0 rg BT 450.41 347.10 Td (for ) Tj ET Q q 0 0 0 rg BT 464.08 347.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 502.18 347.10 Td (with ) Tj ET Q q 0 0 0 rg BT 521.96 347.10 Td (customers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 335.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.41 335.10 Td (supersedes ) Tj ET Q q 0 0 0 rg BT 112.21 335.10 Td (current ) Tj ET Q q 0 0 0 rg BT 142.99 335.10 Td (guidance. ) Tj ET Q q 0 0 0 rg BT 184.06 335.10 Td (Upon ) Tj ET Q q 0 0 0 rg BT 208.76 335.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 246.22 335.10 Td (of ) Tj ET Q q 0 0 0 rg BT 256.48 335.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 278.96 335.10 Td (2014-09, ) Tj ET Q q 0 0 0 rg BT 317.26 335.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 348.62 335.10 Td (are ) Tj ET Q q 0 0 0 rg BT 363.30 335.10 Td (required ) Tj ET Q q 0 0 0 rg BT 399.09 335.10 Td (to ) Tj ET Q q 0 0 0 rg BT 409.34 335.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 450.67 335.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 484.79 335.10 Td (using ) Tj ET Q q 0 0 0 rg BT 508.93 335.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.62 335.10 Td (following ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 323.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 113.95 323.10 Td (model: ) Tj ET Q q 0 0 0 rg BT 145.63 323.10 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 161.21 323.10 Td (identify ) Tj ET Q q 0 0 0 rg BT 196.22 323.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 236.23 323.10 Td (with ) Tj ET Q q 0 0 0 rg BT 257.92 323.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 304.88 323.10 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 320.46 323.10 Td (identify ) Tj ET Q q 0 0 0 rg BT 355.47 323.10 Td (the ) Tj ET Q q 0 0 0 rg BT 371.60 323.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 426.04 323.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 474.40 323.10 Td (in ) Tj ET Q q 0 0 0 rg BT 486.09 323.10 Td (such ) Tj ET Q q 0 0 0 rg BT 508.33 323.10 Td (contracts, ) Tj ET Q q 0 0 0 rg BT 550.84 323.10 Td (\(3\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 311.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 92.25 311.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 138.90 311.10 Td (price, ) Tj ET Q q 0 0 0 rg BT 164.16 311.10 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 178.59 311.10 Td (allocate ) Tj ET Q q 0 0 0 rg BT 212.45 311.10 Td (the ) Tj ET Q q 0 0 0 rg BT 227.44 311.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 274.08 311.10 Td (price ) Tj ET Q q 0 0 0 rg BT 296.84 311.10 Td (to ) Tj ET Q q 0 0 0 rg BT 307.39 311.10 Td (the ) Tj ET Q q 0 0 0 rg BT 322.38 311.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 375.68 311.10 Td (obligations, ) Tj ET Q q 0 0 0 rg BT 425.39 311.10 Td (and ) Tj ET Q q 0 0 0 rg BT 442.60 311.10 Td (\(5\) ) Tj ET Q q 0 0 0 rg BT 457.04 311.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 498.67 311.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 533.09 311.10 Td (as ) Tj ET Q q 0 0 0 rg BT 544.19 311.10 Td (each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 299.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 103.06 299.10 Td (obligation ) Tj ET Q q 0 0 0 rg BT 146.64 299.10 Td (is ) Tj ET Q q 0 0 0 rg BT 156.35 299.10 Td (satisfied. ) Tj ET Q q 0 0 0 rg BT 195.21 299.10 Td (In ) Tj ET Q q 0 0 0 rg BT 205.90 299.10 Td (August ) Tj ET Q q 0 0 0 rg BT 237.83 299.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 263.36 299.10 Td (the ) Tj ET Q q 0 0 0 rg BT 278.62 299.10 Td (F) Tj ET Q q 0 0 0 rg BT 283.43 299.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 305.92 299.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 333.29 299.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 356.33 299.10 Td (2015-14, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 395.19 299.10 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 432.09 299.10 Td (fr) Tj ET Q q 0 0 0 rg BT 438.39 299.10 Td (om ) Tj ET Q q 0 0 0 rg BT 453.64 299.10 Td (Contracts ) Tj ET Q q 0 0 0 rg BT 496.13 299.10 Td (with ) Tj ET Q q 0 0 0 rg BT 516.39 299.10 Td (Customers: ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 287.10 Td (Deferral ) Tj ET Q q 0 0 0 rg BT 86.81 287.10 Td (of ) Tj ET Q q 0 0 0 rg BT 97.47 287.10 Td (Effective ) Tj ET Q q 0 0 0 rg BT 135.32 287.10 Td (Date) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.76 287.10 Td (, ) Tj ET Q q 0 0 0 rg BT 160.13 287.10 Td (which ) Tj ET Q q 0 0 0 rg BT 187.44 287.10 Td (defers ) Tj ET Q q 0 0 0 rg BT 214.75 287.10 Td (the ) Tj ET Q q 0 0 0 rg BT 229.84 287.10 Td (ef) Tj ET Q q 0 0 0 rg BT 237.43 287.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 267.50 287.10 Td (date ) Tj ET Q q 0 0 0 rg BT 287.04 287.10 Td (of ) Tj ET Q q 0 0 0 rg BT 297.61 287.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 320.49 287.10 Td (2014-09 ) Tj ET Q q 0 0 0 rg BT 356.69 287.10 Td (by ) Tj ET Q q 0 0 0 rg BT 369.57 287.10 Td (one ) Tj ET Q q 0 0 0 rg BT 386.88 287.10 Td (year ) Tj ET Q q 0 0 0 rg BT 406.96 287.10 Td (and ) Tj ET Q q 0 0 0 rg BT 424.27 287.10 Td (allows ) Tj ET Q q 0 0 0 rg BT 453.26 287.10 Td (early ) Tj ET Q q 0 0 0 rg BT 476.12 287.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 513.99 287.10 Td (on ) Tj ET Q q 0 0 0 rg BT 526.86 287.10 Td (a ) Tj ET Q q 0 0 0 rg BT 534.18 287.10 Td (limited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 275.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 74.22 275.10 Td (The ) Tj ET Q q 0 0 0 rg BT 92.17 275.10 Td (F) Tj ET Q q 0 0 0 rg BT 96.99 275.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 118.84 275.10 Td (has ) Tj ET Q q 0 0 0 rg BT 134.56 275.10 Td (also ) Tj ET Q q 0 0 0 rg BT 153.07 275.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 179.93 275.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 202.34 275.10 Td (2016-08, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 240.56 275.10 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 276.82 275.10 Td (fr) Tj ET Q q 0 0 0 rg BT 283.12 275.10 Td (om ) Tj ET Q q 0 0 0 rg BT 297.74 275.10 Td (Contracts ) Tj ET Q q 0 0 0 rg BT 339.58 275.10 Td (with ) Tj ET Q q 0 0 0 rg BT 359.21 275.10 Td (Customers: ) Tj ET Q q 0 0 0 rg BT 407.72 275.10 Td (Principal ) Tj ET Q q 0 0 0 rg BT 447.89 275.10 Td (versus ) Tj ET Q q 0 0 0 rg BT 475.66 275.10 Td (Agent ) Tj ET Q q 0 0 0 rg BT 501.38 275.10 Td (Considerations ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 263.10 Td (\(Reporting ) Tj ET Q q 0 0 0 rg BT 97.41 263.10 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 135.87 263.10 Td (Gr) Tj ET Q q 0 0 0 rg BT 146.61 263.10 Td (oss ) Tj ET Q q 0 0 0 rg BT 163.98 263.10 Td (versus ) Tj ET Q q 0 0 0 rg BT 194.12 263.10 Td (Net\); ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.26 263.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 243.85 263.10 Td (2016-10, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 284.27 263.10 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 322.72 263.10 Td (fr) Tj ET Q q 0 0 0 rg BT 329.02 263.10 Td (om ) Tj ET Q q 0 0 0 rg BT 345.83 263.10 Td (Contracts ) Tj ET Q q 0 0 0 rg BT 389.87 263.10 Td (with ) Tj ET Q q 0 0 0 rg BT 411.68 263.10 Td (Customers: ) Tj ET Q q 0 0 0 rg BT 462.38 263.10 Td (Identifying ) Tj ET Q q 0 0 0 rg BT 510.29 263.10 Td (Performance ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 251.10 Td (Obligations ) Tj ET Q q 0 0 0 rg BT 99.35 251.10 Td (and ) Tj ET Q q 0 0 0 rg BT 116.96 251.10 Td (Licensing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.85 251.10 Td (; ) Tj ET Q q 0 0 0 rg BT 160.67 251.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 183.29 251.10 Td (2016-1) Tj ET Q q 0 0 0 rg BT 211.25 251.10 Td (1, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 221.37 251.10 Td (Rescission ) Tj ET Q q 0 0 0 rg BT 266.21 251.10 Td (of ) Tj ET Q q 0 0 0 rg BT 276.60 251.10 Td (SEC ) Tj ET Q q 0 0 0 rg BT 297.00 251.10 Td (Guidance ) Tj ET Q q 0 0 0 rg BT 338.50 251.10 Td (Because ) Tj ET Q q 0 0 0 rg BT 374.43 251.10 Td (of ) Tj ET Q q 0 0 0 rg BT 384.64 251.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 432.80 251.10 Td (Standar) Tj ET Q q 0 0 0 rg BT 464.10 251.10 Td (ds ) Tj ET Q q 0 0 0 rg BT 475.61 251.10 Td (Updates ) Tj ET Q q 0 0 0 rg BT 511.56 251.10 Td (2014-09 ) Tj ET Q q 0 0 0 rg BT 547.50 251.10 Td (and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 239.10 Td (2014-16 ) Tj ET Q q 0 0 0 rg BT 85.30 239.10 Td (Pursuant ) Tj ET Q q 0 0 0 rg BT 124.45 239.10 Td (to ) Tj ET Q q 0 0 0 rg BT 134.70 239.10 Td (Staff ) Tj ET Q q 0 0 0 rg BT 155.33 239.10 Td (Announcements ) Tj ET Q q 0 0 0 rg BT 221.12 239.10 Td (at ) Tj ET Q q 0 0 0 rg BT 231.38 239.10 Td (the ) Tj ET Q q 0 0 0 rg BT 246.07 239.10 Td (Mar) Tj ET Q q 0 0 0 rg BT 262.92 239.10 Td (ch ) Tj ET Q q 0 0 0 rg BT 274.83 239.10 Td (3, ) Tj ET Q q 0 0 0 rg BT 284.81 239.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 307.28 239.10 Td (EITF ) Tj ET Q q 0 0 0 rg BT 330.86 239.10 Td (Meeting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.63 239.10 Td (; ) Tj ET Q q 0 0 0 rg BT 368.88 239.10 Td (and ) Tj ET Q q 0 0 0 rg BT 385.25 239.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 407.73 239.10 Td (2016-12, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 446.03 239.10 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 482.37 239.10 Td (fr) Tj ET Q q 0 0 0 rg BT 488.67 239.10 Td (om ) Tj ET Q q 0 0 0 rg BT 503.36 239.10 Td (Contracts ) Tj ET Q q 0 0 0 rg BT 545.29 239.10 Td (with ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 227.10 Td (Customers: ) Tj ET Q q 0 0 0 rg BT 97.92 227.10 Td (Narr) Tj ET Q q 0 0 0 rg BT 117.00 227.10 Td (ow-Scope ) Tj ET Q q 0 0 0 rg BT 158.19 227.10 Td (Impr) Tj ET Q q 0 0 0 rg BT 177.26 227.10 Td (ovements ) Tj ET Q q 0 0 0 rg BT 216.78 227.10 Td (and ) Tj ET Q q 0 0 0 rg BT 234.09 227.10 Td (Practical ) Tj ET Q q 0 0 0 rg BT 273.61 227.10 Td (Expedients, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.29 227.10 Td (all ) Tj ET Q q 0 0 0 rg BT 334.59 227.10 Td (of ) Tj ET Q q 0 0 0 rg BT 345.23 227.10 Td (which ) Tj ET Q q 0 0 0 rg BT 371.98 227.10 Td (were ) Tj ET Q q 0 0 0 rg BT 393.71 227.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 421.02 227.10 Td (to ) Tj ET Q q 0 0 0 rg BT 431.11 227.10 Td (improve ) Tj ET Q q 0 0 0 rg BT 466.74 227.10 Td (and ) Tj ET Q q 0 0 0 rg BT 483.49 227.10 Td (clarify ) Tj ET Q q 0 0 0 rg BT 511.89 227.10 Td (the ) Tj ET Q q 0 0 0 rg BT 526.42 227.10 Td (guidance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 215.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.12 215.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 81.49 215.10 Td (2014-09. ) Tj ET Q q 0 0 0 rg BT 119.52 215.10 Td (These ) Tj ET Q q 0 0 0 rg BT 145.24 215.10 Td (ASUs ) Tj ET Q q 0 0 0 rg BT 171.50 215.10 Td (are ) Tj ET Q q 0 0 0 rg BT 186.07 215.10 Td (ef) Tj ET Q q 0 0 0 rg BT 193.66 215.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 223.23 215.10 Td (for ) Tj ET Q q 0 0 0 rg BT 237.25 215.10 Td (us ) Tj ET Q q 0 0 0 rg BT 248.51 215.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 290.87 215.10 Td (in ) Tj ET Q q 0 0 0 rg BT 301.02 215.10 Td (the ) Tj ET Q q 0 0 0 rg BT 315.60 215.10 Td (first ) Tj ET Q q 0 0 0 rg BT 334.07 215.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 364.75 215.10 Td (of ) Tj ET Q q 0 0 0 rg BT 375.45 215.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 399.47 215.10 Td (year ) Tj ET Q q 0 0 0 rg BT 419.04 215.10 Td (2019 ) Tj ET Q q 0 0 0 rg BT 441.41 215.10 Td (and ) Tj ET Q q 0 0 0 rg BT 458.21 215.10 Td (will ) Tj ET Q q 0 0 0 rg BT 476.14 215.10 Td (result ) Tj ET Q q 0 0 0 rg BT 500.72 215.10 Td (in ) Tj ET Q q 0 0 0 rg BT 510.86 215.10 Td (retrospective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 203.10 Td (application, ) Tj ET Q q 0 0 0 rg BT 98.19 203.10 Td (either ) Tj ET Q q 0 0 0 rg BT 122.72 203.10 Td (in ) Tj ET Q q 0 0 0 rg BT 132.26 203.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.24 203.10 Td (form ) Tj ET Q q 0 0 0 rg BT 167.45 203.10 Td (of ) Tj ET Q q 0 0 0 rg BT 177.54 203.10 Td (recasting ) Tj ET Q q 0 0 0 rg BT 215.40 203.10 Td (all ) Tj ET Q q 0 0 0 rg BT 227.16 203.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 248.36 203.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 279.56 203.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 319.64 203.10 Td (or ) Tj ET Q q 0 0 0 rg BT 329.74 203.10 Td (a ) Tj ET Q q 0 0 0 rg BT 335.94 203.10 Td (cumulative ) Tj ET Q q 0 0 0 rg BT 382.13 203.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 427.78 203.10 Td (to ) Tj ET Q q 0 0 0 rg BT 437.32 203.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 464.08 203.10 Td (in ) Tj ET Q q 0 0 0 rg BT 473.62 203.10 Td (the ) Tj ET Q q 0 0 0 rg BT 487.60 203.10 Td (period ) Tj ET Q q 0 0 0 rg BT 514.92 203.10 Td (of ) Tj ET Q q 0 0 0 rg BT 525.01 203.10 Td (adoption. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 191.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 191.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.54 191.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 104.60 191.10 Td (anticipate ) Tj ET Q q 0 0 0 rg BT 146.44 191.10 Td (adopting ) Tj ET Q q 0 0 0 rg BT 184.40 191.10 Td (the ) Tj ET Q q 0 0 0 rg BT 199.58 191.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 236.42 191.10 Td (using ) Tj ET Q q 0 0 0 rg BT 261.06 191.10 Td (the ) Tj ET Q q 0 0 0 rg BT 276.24 191.10 Td (cumulative ) Tj ET Q q 0 0 0 rg BT 323.64 191.10 Td (catch-up ) Tj ET Q q 0 0 0 rg BT 361.03 191.10 Td (transition ) Tj ET Q q 0 0 0 rg BT 401.77 191.10 Td (method. ) Tj ET Q q 0 0 0 rg BT 437.23 191.10 Td ( ) Tj ET Q q 0 0 0 rg BT 440.20 191.10 Td (Based ) Tj ET Q q 0 0 0 rg BT 467.60 191.10 Td (on ) Tj ET Q q 0 0 0 rg BT 480.57 191.10 Td (our ) Tj ET Q q 0 0 0 rg BT 496.86 191.10 Td (assessment, ) Tj ET Q q 0 0 0 rg BT 546.77 191.10 Td (as ) Tj ET Q q 0 0 0 rg BT 558.06 191.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 179.10 Td (result ) Tj ET Q q 0 0 0 rg BT 74.34 179.10 Td (of ) Tj ET Q q 0 0 0 rg BT 85.30 179.10 Td (adopting ) Tj ET Q q 0 0 0 rg BT 122.92 179.10 Td (these ) Tj ET Q q 0 0 0 rg BT 145.52 179.10 Td (ASUs, ) Tj ET Q q 0 0 0 rg BT 174.54 179.10 Td (we ) Tj ET Q q 0 0 0 rg BT 188.83 179.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 217.55 179.10 Td (the ) Tj ET Q q 0 0 0 rg BT 232.39 179.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 275.01 179.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 318.18 179.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 373.01 179.10 Td (will ) Tj ET Q q 0 0 0 rg BT 391.20 179.10 Td (be ) Tj ET Q q 0 0 0 rg BT 403.26 179.10 Td (qualitatively ) Tj ET Q q 0 0 0 rg BT 455.87 179.10 Td (material. ) Tj ET Q q 0 0 0 rg BT 493.76 179.10 Td ( ) Tj ET Q q 0 0 0 rg BT 495.81 179.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 545.71 179.10 Td (, ) Tj ET Q q 0 0 0 rg BT 550.84 179.10 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 167.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 77.88 167.10 Td (to ) Tj ET Q q 0 0 0 rg BT 87.94 167.10 Td (record ) Tj ET Q q 0 0 0 rg BT 115.76 167.10 Td (a ) Tj ET Q q 0 0 0 rg BT 122.48 167.10 Td (cumulative ) Tj ET Q q 0 0 0 rg BT 169.20 167.10 Td (catch-up ) Tj ET Q q 0 0 0 rg BT 205.91 167.10 Td (transition ) Tj ET Q q 0 0 0 rg BT 245.96 167.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 292.13 167.10 Td (related ) Tj ET Q q 0 0 0 rg BT 321.62 167.10 Td (to ) Tj ET Q q 0 0 0 rg BT 331.68 167.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 357.28 167.10 Td (service ) Tj ET Q q 0 0 0 rg BT 387.88 167.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 431.80 167.10 Td (retrospective ) Tj ET Q q 0 0 0 rg BT 485.73 167.10 Td (commissions ) Tj ET Q q 0 0 0 rg BT 540.24 167.10 Td (in ) Tj ET Q q 0 0 0 rg BT 550.30 167.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 155.10 Td (first ) Tj ET Q q 0 0 0 rg BT 68.11 155.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 98.92 155.10 Td (of ) Tj ET Q q 0 0 0 rg BT 109.75 155.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 133.91 155.10 Td (year ) Tj ET Q q 0 0 0 rg BT 153.62 155.10 Td (2019. ) Tj ET Q q 0 0 0 rg BT 178.62 155.10 Td ( ) Tj ET Q q 0 0 0 rg BT 181.12 155.10 Td ( ) Tj ET Q endstream endobj 143 0 obj <>] /Rotate 0 /Contents 144 0 R>> endobj 144 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 731.10 Td (In ) Tj ET Q q 0 0 0 rg BT 59.84 731.10 Td (February ) Tj ET Q q 0 0 0 rg BT 97.95 731.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 122.46 731.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.68 731.10 Td (F) Tj ET Q q 0 0 0 rg BT 141.50 731.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 162.96 731.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 189.53 731.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 211.54 731.10 Td (2016-02, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 249.38 731.10 Td (Leases ) Tj ET Q q 0 0 0 rg BT 278.61 731.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 286.59 731.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 305.81 731.10 Td (842\),) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.64 731.10 Td ( ) Tj ET Q q 0 0 0 rg BT 328.65 731.10 Td (which ) Tj ET Q q 0 0 0 rg BT 355.10 731.10 Td (will ) Tj ET Q q 0 0 0 rg BT 372.67 731.10 Td (change ) Tj ET Q q 0 0 0 rg BT 402.99 731.10 Td (how ) Tj ET Q q 0 0 0 rg BT 422.22 731.10 Td (lessees ) Tj ET Q q 0 0 0 rg BT 452.00 731.10 Td (account ) Tj ET Q q 0 0 0 rg BT 485.10 731.10 Td (for ) Tj ET Q q 0 0 0 rg BT 498.77 731.10 Td (leases. ) Tj ET Q q 0 0 0 rg BT 527.16 731.10 Td (For ) Tj ET Q q 0 0 0 rg BT 543.06 731.10 Td (most ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 719.10 Td (leases, ) Tj ET Q q 0 0 0 rg BT 78.08 719.10 Td (a ) Tj ET Q q 0 0 0 rg BT 84.72 719.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 118.03 719.10 Td (will ) Tj ET Q q 0 0 0 rg BT 135.79 719.10 Td (be ) Tj ET Q q 0 0 0 rg BT 147.43 719.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 184.61 719.10 Td (on ) Tj ET Q q 0 0 0 rg BT 196.81 719.10 Td (the ) Tj ET Q q 0 0 0 rg BT 211.23 719.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 243.96 719.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 266.71 719.10 Td (based ) Tj ET Q q 0 0 0 rg BT 291.68 719.10 Td (on ) Tj ET Q q 0 0 0 rg BT 303.88 719.10 Td (the ) Tj ET Q q 0 0 0 rg BT 318.30 719.10 Td (present ) Tj ET Q q 0 0 0 rg BT 349.38 719.10 Td (value ) Tj ET Q q 0 0 0 rg BT 373.24 719.10 Td (of ) Tj ET Q q 0 0 0 rg BT 383.77 719.10 Td (future ) Tj ET Q q 0 0 0 rg BT 409.85 719.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 432.04 719.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 478.68 719.10 Td (with ) Tj ET Q q 0 0 0 rg BT 498.67 719.10 Td (a ) Tj ET Q q 0 0 0 rg BT 505.31 719.10 Td (corresponding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 707.10 Td (right-of-use ) Tj ET Q q 0 0 0 rg BT 98.89 707.10 Td (asset. ) Tj ET Q q 0 0 0 rg BT 123.02 707.10 Td (Primarily ) Tj ET Q q 0 0 0 rg BT 162.98 707.10 Td (for ) Tj ET Q q 0 0 0 rg BT 176.83 707.10 Td (those ) Tj ET Q q 0 0 0 rg BT 200.12 707.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 226.18 707.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 264.46 707.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 304.41 707.10 Td (by ) Tj ET Q q 0 0 0 rg BT 316.60 707.10 Td (us ) Tj ET Q q 0 0 0 rg BT 327.68 707.10 Td (as ) Tj ET Q q 0 0 0 rg BT 338.20 707.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 378.15 707.10 Td (leases, ) Tj ET Q q 0 0 0 rg BT 406.71 707.10 Td (we ) Tj ET Q q 0 0 0 rg BT 420.56 707.10 Td (will ) Tj ET Q q 0 0 0 rg BT 438.30 707.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 479.35 707.10 Td (a ) Tj ET Q q 0 0 0 rg BT 485.97 707.10 Td (single ) Tj ET Q q 0 0 0 rg BT 512.05 707.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 534.22 707.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 552.51 707.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 695.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.94 695.10 Td (straight ) Tj ET Q q 0 0 0 rg BT 89.94 695.10 Td (line ) Tj ET Q q 0 0 0 rg BT 107.94 695.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 130.95 695.10 Td (based ) Tj ET Q q 0 0 0 rg BT 156.72 695.10 Td (on ) Tj ET Q q 0 0 0 rg BT 169.73 695.10 Td (the ) Tj ET Q q 0 0 0 rg BT 184.95 695.10 Td (combined ) Tj ET Q q 0 0 0 rg BT 227.39 695.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 280.93 695.10 Td (of ) Tj ET Q q 0 0 0 rg BT 292.27 695.10 Td (the ) Tj ET Q q 0 0 0 rg BT 307.49 695.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 330.48 695.10 Td (obligation ) Tj ET Q q 0 0 0 rg BT 374.04 695.10 Td (and ) Tj ET Q q 0 0 0 rg BT 391.48 695.10 Td (the ) Tj ET Q q 0 0 0 rg BT 406.70 695.10 Td (right-of-use ) Tj ET Q q 0 0 0 rg BT 456.92 695.10 Td (asset. ) Tj ET Q q 0 0 0 rg BT 481.86 695.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 507.63 695.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 534.52 695.10 Td (will ) Tj ET Q q 0 0 0 rg BT 553.08 695.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 683.10 Td (required ) Tj ET Q q 0 0 0 rg BT 85.44 683.10 Td (to ) Tj ET Q q 0 0 0 rg BT 95.84 683.10 Td (be ) Tj ET Q q 0 0 0 rg BT 107.91 683.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 151.06 683.10 Td (for ) Tj ET Q q 0 0 0 rg BT 165.35 683.10 Td (as ) Tj ET Q q 0 0 0 rg BT 176.30 683.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 216.69 683.10 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 273.18 683.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 303.57 683.10 Td (to ) Tj ET Q q 0 0 0 rg BT 313.98 683.10 Td (how ) Tj ET Q q 0 0 0 rg BT 333.82 683.10 Td (we ) Tj ET Q q 0 0 0 rg BT 348.11 683.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 386.83 683.10 Td (account ) Tj ET Q q 0 0 0 rg BT 420.54 683.10 Td (for ) Tj ET Q q 0 0 0 rg BT 434.83 683.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 464.10 683.10 Td (leases. ) Tj ET Q q 0 0 0 rg BT 493.11 683.10 Td (On ) Tj ET Q q 0 0 0 rg BT 507.95 683.10 Td (transition, ) Tj ET Q q 0 0 0 rg BT 550.85 683.10 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 671.10 Td (will ) Tj ET Q q 0 0 0 rg BT 67.05 671.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 107.90 671.10 Td (a ) Tj ET Q q 0 0 0 rg BT 114.33 671.10 Td (cumulative-ef) Tj ET Q q 0 0 0 rg BT 169.67 671.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 186.65 671.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 232.52 671.10 Td (to ) Tj ET Q q 0 0 0 rg BT 242.29 671.10 Td (the ) Tj ET Q q 0 0 0 rg BT 256.49 671.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 290.69 671.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 326.55 671.10 Td (on ) Tj ET Q q 0 0 0 rg BT 338.54 671.10 Td (the ) Tj ET Q q 0 0 0 rg BT 352.75 671.10 Td (opening ) Tj ET Q q 0 0 0 rg BT 386.96 671.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 419.48 671.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 442.01 671.10 Td (in ) Tj ET Q q 0 0 0 rg BT 451.78 671.10 Td (the ) Tj ET Q q 0 0 0 rg BT 465.99 671.10 Td (period ) Tj ET Q q 0 0 0 rg BT 493.53 671.10 Td (of ) Tj ET Q q 0 0 0 rg BT 503.85 671.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 540.83 671.10 Td (using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 659.10 Td (a ) Tj ET Q q 0 0 0 rg BT 55.84 659.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 93.84 659.10 Td (retrospective ) Tj ET Q q 0 0 0 rg BT 147.38 659.10 Td (approach. ) Tj ET Q q 0 0 0 rg BT 188.28 659.10 Td (The ) Tj ET Q q 0 0 0 rg BT 205.73 659.10 Td (final ) Tj ET Q q 0 0 0 rg BT 225.95 659.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 261.73 659.10 Td (will ) Tj ET Q q 0 0 0 rg BT 279.18 659.10 Td (become ) Tj ET Q q 0 0 0 rg BT 312.18 659.10 Td (ef) Tj ET Q q 0 0 0 rg BT 319.76 659.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 348.86 659.10 Td (for ) Tj ET Q q 0 0 0 rg BT 362.42 659.10 Td (us ) Tj ET Q q 0 0 0 rg BT 373.21 659.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 415.11 659.10 Td (in ) Tj ET Q q 0 0 0 rg BT 424.78 659.10 Td (the ) Tj ET Q q 0 0 0 rg BT 438.90 659.10 Td (first ) Tj ET Q q 0 0 0 rg BT 456.91 659.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 487.12 659.10 Td (of ) Tj ET Q q 0 0 0 rg BT 497.35 659.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 520.90 659.10 Td (year ) Tj ET Q q 0 0 0 rg BT 540.01 659.10 Td (2020. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 647.10 Td (Based ) Tj ET Q q 0 0 0 rg BT 76.05 647.10 Td (on ) Tj ET Q q 0 0 0 rg BT 88.16 647.10 Td (our ) Tj ET Q q 0 0 0 rg BT 103.60 647.10 Td (preliminary ) Tj ET Q q 0 0 0 rg BT 152.36 647.10 Td (assessment, ) Tj ET Q q 0 0 0 rg BT 201.41 647.10 Td (we ) Tj ET Q q 0 0 0 rg BT 215.18 647.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 246.17 647.10 Td (the ) Tj ET Q q 0 0 0 rg BT 260.49 647.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 297.60 647.10 Td (of ) Tj ET Q q 0 0 0 rg BT 308.04 647.10 Td (this ) Tj ET Q q 0 0 0 rg BT 324.13 647.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 346.25 647.10 Td (will ) Tj ET Q q 0 0 0 rg BT 363.92 647.10 Td (have ) Tj ET Q q 0 0 0 rg BT 384.90 647.10 Td (a ) Tj ET Q q 0 0 0 rg BT 391.45 647.10 Td (material ) Tj ET Q q 0 0 0 rg BT 426.32 647.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 455.65 647.10 Td (on ) Tj ET Q q 0 0 0 rg BT 467.76 647.10 Td (our ) Tj ET Q q 0 0 0 rg BT 483.20 647.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 520.29 647.10 Td (statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 635.10 Td (as ) Tj ET Q q 0 0 0 rg BT 59.39 635.10 Td (we ) Tj ET Q q 0 0 0 rg BT 72.61 635.10 Td (will ) Tj ET Q q 0 0 0 rg BT 89.72 635.10 Td (be ) Tj ET Q q 0 0 0 rg BT 100.72 635.10 Td (required ) Tj ET Q q 0 0 0 rg BT 135.60 635.10 Td (to ) Tj ET Q q 0 0 0 rg BT 144.93 635.10 Td (report ) Tj ET Q q 0 0 0 rg BT 170.37 635.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 211.92 635.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 237.35 635.10 Td (on ) Tj ET Q q 0 0 0 rg BT 248.91 635.10 Td (our ) Tj ET Q q 0 0 0 rg BT 263.80 635.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 315.90 635.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 348.00 635.10 Td (sheet. ) Tj ET Q q 0 0 0 rg BT 372.49 635.10 Td (W) Tj ET Q q 0 0 0 rg BT 381.13 635.10 Td (e ) Tj ET Q q 0 0 0 rg BT 387.12 635.10 Td (are ) Tj ET Q q 0 0 0 rg BT 400.89 635.10 Td (the ) Tj ET Q q 0 0 0 rg BT 414.67 635.10 Td (lessee ) Tj ET Q q 0 0 0 rg BT 440.10 635.10 Td (under ) Tj ET Q q 0 0 0 rg BT 464.43 635.10 Td (various ) Tj ET Q q 0 0 0 rg BT 495.43 635.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 516.97 635.10 Td (agreements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 623.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.66 623.10 Td (our ) Tj ET Q q 0 0 0 rg BT 79.49 623.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 102.53 623.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 128.36 623.10 Td (and ) Tj ET Q q 0 0 0 rg BT 145.30 623.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 190.01 623.10 Td (that ) Tj ET Q q 0 0 0 rg BT 207.51 623.10 Td (are ) Tj ET Q q 0 0 0 rg BT 222.21 623.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 260.81 623.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 303.84 623.10 Td (for ) Tj ET Q q 0 0 0 rg BT 318.00 623.10 Td (as ) Tj ET Q q 0 0 0 rg BT 328.83 623.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 369.09 623.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 395.47 623.10 Td (as ) Tj ET Q q 0 0 0 rg BT 406.30 623.10 Td (discussed ) Tj ET Q q 0 0 0 rg BT 447.13 623.10 Td (in ) Tj ET Q q 0 0 0 rg BT 457.41 623.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 479.35 623.10 Td (8, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 489.35 623.10 Td (Leases.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 605.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.31 605.10 Td (June ) Tj ET Q q 0 0 0 rg BT 81.12 605.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 106.10 605.10 Td (the ) Tj ET Q q 0 0 0 rg BT 120.79 605.10 Td (F) Tj ET Q q 0 0 0 rg BT 125.61 605.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 147.55 605.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 174.48 605.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 196.96 605.10 Td (2016-13, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 235.27 605.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 276.63 605.10 Td (InstrumentsCr) Tj ET Q q 0 0 0 rg BT 342.94 605.10 Td (edit ) Tj ET Q q 0 0 0 rg BT 360.41 605.10 Td (Losses ) Tj ET Q q 0 0 0 rg BT 389.57 605.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 397.54 605.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 417.24 605.10 Td (326\): ) Tj ET Q q 0 0 0 rg BT 441.38 605.10 Td (Measur) Tj ET Q q 0 0 0 rg BT 471.56 605.10 Td (ement ) Tj ET Q q 0 0 0 rg BT 497.91 605.10 Td (of ) Tj ET Q q 0 0 0 rg BT 508.17 605.10 Td (Cr) Tj ET Q q 0 0 0 rg BT 518.36 605.10 Td (edit ) Tj ET Q q 0 0 0 rg BT 535.84 605.10 Td (Losses ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 593.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.00 593.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 103.39 593.10 Td (Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.61 593.10 Td (. ) Tj ET Q q 0 0 0 rg BT 155.07 593.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 177.58 593.10 Td (2016-13 ) Tj ET Q q 0 0 0 rg BT 213.41 593.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 248.12 593.10 Td (that ) Tj ET Q q 0 0 0 rg BT 265.62 593.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 303.11 593.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 328.94 593.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 369.76 593.10 Td (at ) Tj ET Q q 0 0 0 rg BT 379.48 593.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 421.97 593.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 440.58 593.10 Td (be ) Tj ET Q q 0 0 0 rg BT 452.53 593.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 493.35 593.10 Td (at ) Tj ET Q q 0 0 0 rg BT 503.07 593.10 Td (the ) Tj ET Q q 0 0 0 rg BT 517.79 593.10 Td (net ) Tj ET Q q 0 0 0 rg BT 532.51 593.10 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 581.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 87.49 581.10 Td (to ) Tj ET Q q 0 0 0 rg BT 97.73 581.10 Td (be ) Tj ET Q q 0 0 0 rg BT 109.63 581.10 Td (collected ) Tj ET Q q 0 0 0 rg BT 148.18 581.10 Td (through ) Tj ET Q q 0 0 0 rg BT 181.75 581.10 Td (an ) Tj ET Q q 0 0 0 rg BT 193.65 581.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 236.64 581.10 Td (for ) Tj ET Q q 0 0 0 rg BT 250.76 581.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 275.99 581.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 302.34 581.10 Td (that ) Tj ET Q q 0 0 0 rg BT 319.80 581.10 Td (is ) Tj ET Q q 0 0 0 rg BT 328.93 581.10 Td (deducted ) Tj ET Q q 0 0 0 rg BT 367.48 581.10 Td (from ) Tj ET Q q 0 0 0 rg BT 389.38 581.10 Td (the ) Tj ET Q q 0 0 0 rg BT 404.06 581.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 446.50 581.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 465.07 581.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 489.85 581.10 Td (The ) Tj ET Q q 0 0 0 rg BT 507.86 581.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 550.86 581.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 569.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 74.79 569.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 101.20 569.10 Td (should ) Tj ET Q q 0 0 0 rg BT 130.39 569.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 158.45 569.10 Td (management) Tj ET Q q 0 0 0 rg BT 212.31 569.10 Td (s ) Tj ET Q q 0 0 0 rg BT 218.73 569.10 Td (current ) Tj ET Q q 0 0 0 rg BT 249.56 569.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 285.41 569.10 Td (of ) Tj ET Q q 0 0 0 rg BT 296.26 569.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 321.54 569.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 347.96 569.10 Td (that ) Tj ET Q q 0 0 0 rg BT 365.47 569.10 Td (are ) Tj ET Q q 0 0 0 rg BT 380.20 569.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 418.26 569.10 Td (to ) Tj ET Q q 0 0 0 rg BT 428.56 569.10 Td (occur ) Tj ET Q q 0 0 0 rg BT 453.29 569.10 Td (over ) Tj ET Q q 0 0 0 rg BT 473.58 569.10 Td (the ) Tj ET Q q 0 0 0 rg BT 488.32 569.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 531.38 569.10 Td (life ) Tj ET Q q 0 0 0 rg BT 547.23 569.10 Td (of ) Tj ET Q q 0 0 0 rg BT 558.08 569.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 557.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.28 557.10 Td (asset. ) Tj ET Q q 0 0 0 rg BT 111.82 557.10 Td (The ) Tj ET Q q 0 0 0 rg BT 130.17 557.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 166.85 557.10 Td (will ) Tj ET Q q 0 0 0 rg BT 185.21 557.10 Td (become ) Tj ET Q q 0 0 0 rg BT 219.11 557.10 Td (ef) Tj ET Q q 0 0 0 rg BT 226.69 557.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 256.70 557.10 Td (for ) Tj ET Q q 0 0 0 rg BT 271.16 557.10 Td (us ) Tj ET Q q 0 0 0 rg BT 282.86 557.10 Td (in ) Tj ET Q q 0 0 0 rg BT 293.44 557.10 Td (the ) Tj ET Q q 0 0 0 rg BT 308.46 557.10 Td (first ) Tj ET Q q 0 0 0 rg BT 327.37 557.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 358.49 557.10 Td (of ) Tj ET Q q 0 0 0 rg BT 369.62 557.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 394.08 557.10 Td (year ) Tj ET Q q 0 0 0 rg BT 414.09 557.10 Td (2021 ) Tj ET Q q 0 0 0 rg BT 436.89 557.10 Td (and ) Tj ET Q q 0 0 0 rg BT 454.13 557.10 Td (early ) Tj ET Q q 0 0 0 rg BT 476.92 557.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 514.72 557.10 Td (is ) Tj ET Q q 0 0 0 rg BT 524.19 557.10 Td (permitted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 545.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 91.44 545.10 Td (in ) Tj ET Q q 0 0 0 rg BT 101.16 545.10 Td (the ) Tj ET Q q 0 0 0 rg BT 115.31 545.10 Td (first ) Tj ET Q q 0 0 0 rg BT 133.36 545.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 163.62 545.10 Td (of ) Tj ET Q q 0 0 0 rg BT 173.89 545.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 197.49 545.10 Td (year ) Tj ET Q q 0 0 0 rg BT 216.63 545.10 Td (2020. ) Tj ET Q q 0 0 0 rg BT 241.07 545.10 Td ( ) Tj ET Q q 0 0 0 rg BT 242.88 545.10 Td (W) Tj ET Q q 0 0 0 rg BT 251.51 545.10 Td (e ) Tj ET Q q 0 0 0 rg BT 257.89 545.10 Td (have ) Tj ET Q q 0 0 0 rg BT 278.71 545.10 Td (formed ) Tj ET Q q 0 0 0 rg BT 309.53 545.10 Td (a ) Tj ET Q q 0 0 0 rg BT 315.91 545.10 Td (cross-functional ) Tj ET Q q 0 0 0 rg BT 382.27 545.10 Td (working ) Tj ET Q q 0 0 0 rg BT 417.54 545.10 Td (group ) Tj ET Q q 0 0 0 rg BT 442.81 545.10 Td (comprised ) Tj ET Q q 0 0 0 rg BT 486.41 545.10 Td (of ) Tj ET Q q 0 0 0 rg BT 496.68 545.10 Td (individuals ) Tj ET Q q 0 0 0 rg BT 543.07 545.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 533.10 Td (various ) Tj ET Q q 0 0 0 rg BT 81.13 533.10 Td (functional ) Tj ET Q q 0 0 0 rg BT 123.87 533.10 Td (areas ) Tj ET Q q 0 0 0 rg BT 146.60 533.10 Td (including ) Tj ET Q q 0 0 0 rg BT 186.57 533.10 Td (credit, ) Tj ET Q q 0 0 0 rg BT 214.03 533.10 Td (finance, ) Tj ET Q q 0 0 0 rg BT 248.15 533.10 Td (accounting, ) Tj ET Q q 0 0 0 rg BT 296.71 533.10 Td (and ) Tj ET Q q 0 0 0 rg BT 313.35 533.10 Td (information ) Tj ET Q q 0 0 0 rg BT 362.75 533.10 Td (technology) Tj ET Q q 0 0 0 rg BT 406.54 533.10 Td (. ) Tj ET Q q 0 0 0 rg BT 411.23 533.10 Td ( ) Tj ET Q q 0 0 0 rg BT 413.27 533.10 Td (While ) Tj ET Q q 0 0 0 rg BT 439.90 533.10 Td (we ) Tj ET Q q 0 0 0 rg BT 453.75 533.10 Td (are ) Tj ET Q q 0 0 0 rg BT 468.15 533.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 506.44 533.10 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 550.29 533.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 521.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 80.06 521.10 Td (on ) Tj ET Q q 0 0 0 rg BT 93.40 521.10 Td (our ) Tj ET Q q 0 0 0 rg BT 110.08 521.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 163.97 521.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 202.30 521.10 Td (statements, ) Tj ET Q q 0 0 0 rg BT 250.35 521.10 Td (the ) Tj ET Q q 0 0 0 rg BT 265.92 521.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 304.26 521.10 Td (of ) Tj ET Q q 0 0 0 rg BT 315.20 521.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 338.55 521.10 Td (2016-13 ) Tj ET Q q 0 0 0 rg BT 375.22 521.10 Td (is ) Tj ET Q q 0 0 0 rg BT 385.24 521.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 411.36 521.10 Td (to ) Tj ET Q q 0 0 0 rg BT 422.48 521.10 Td (result ) Tj ET Q q 0 0 0 rg BT 448.05 521.10 Td (in ) Tj ET Q q 0 0 0 rg BT 459.17 521.10 Td (a ) Tj ET Q q 0 0 0 rg BT 466.96 521.10 Td (material ) Tj ET Q q 0 0 0 rg BT 503.06 521.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 539.16 521.10 Td (in ) Tj ET Q q 0 0 0 rg BT 550.28 521.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 509.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 92.04 509.10 Td (for ) Tj ET Q q 0 0 0 rg BT 105.70 509.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 124.92 509.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 150.81 509.10 Td (as ) Tj ET Q q 0 0 0 rg BT 161.15 509.10 Td (a ) Tj ET Q q 0 0 0 rg BT 167.59 509.10 Td (result ) Tj ET Q q 0 0 0 rg BT 191.81 509.10 Td (of ) Tj ET Q q 0 0 0 rg BT 202.14 509.10 Td (changing ) Tj ET Q q 0 0 0 rg BT 240.80 509.10 Td (from ) Tj ET Q q 0 0 0 rg BT 262.24 509.10 Td (an ) Tj ET Q q 0 0 0 rg BT 273.69 509.10 Td ("incurred ) Tj ET Q q 0 0 0 rg BT 313.09 509.10 Td (loss" ) Tj ET Q q 0 0 0 rg BT 334.73 509.10 Td (model, ) Tj ET Q q 0 0 0 rg BT 364.23 509.10 Td (which ) Tj ET Q q 0 0 0 rg BT 390.67 509.10 Td (encompasses ) Tj ET Q q 0 0 0 rg BT 444.88 509.10 Td (allowances ) Tj ET Q q 0 0 0 rg BT 491.31 509.10 Td (for ) Tj ET Q q 0 0 0 rg BT 504.98 509.10 Td (current ) Tj ET Q q 0 0 0 rg BT 535.29 509.10 Td (known ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 497.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.90 497.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 102.63 497.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 129.48 497.10 Td (within ) Tj ET Q q 0 0 0 rg BT 158.00 497.10 Td (the ) Tj ET Q q 0 0 0 rg BT 173.17 497.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 213.63 497.10 Td (to ) Tj ET Q q 0 0 0 rg BT 224.37 497.10 Td (an ) Tj ET Q q 0 0 0 rg BT 236.77 497.10 Td ("expected ) Tj ET Q q 0 0 0 rg BT 279.35 497.10 Td (loss" ) Tj ET Q q 0 0 0 rg BT 301.95 497.10 Td (model, ) Tj ET Q q 0 0 0 rg BT 332.41 497.10 Td (which ) Tj ET Q q 0 0 0 rg BT 359.81 497.10 Td (encompasses ) Tj ET Q q 0 0 0 rg BT 414.98 497.10 Td (allowances ) Tj ET Q q 0 0 0 rg BT 462.36 497.10 Td (for ) Tj ET Q q 0 0 0 rg BT 476.98 497.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 503.84 497.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 542.33 497.10 Td (to ) Tj ET Q q 0 0 0 rg BT 553.07 497.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 485.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 85.32 485.10 Td (over ) Tj ET Q q 0 0 0 rg BT 105.58 485.10 Td (the ) Tj ET Q q 0 0 0 rg BT 120.30 485.10 Td (life ) Tj ET Q q 0 0 0 rg BT 136.13 485.10 Td (of ) Tj ET Q q 0 0 0 rg BT 146.96 485.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.67 485.10 Td (portfolio. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 467.10 Td (In ) Tj ET Q q 0 0 0 rg BT 59.98 467.10 Td (August ) Tj ET Q q 0 0 0 rg BT 91.64 467.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 116.91 467.10 Td (the ) Tj ET Q q 0 0 0 rg BT 131.89 467.10 Td (F) Tj ET Q q 0 0 0 rg BT 136.71 467.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 158.93 467.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 186.08 467.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 208.85 467.10 Td (2016-15, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 247.45 467.10 Td (Statement ) Tj ET Q q 0 0 0 rg BT 289.65 467.10 Td (of ) Tj ET Q q 0 0 0 rg BT 300.19 467.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 323.52 467.10 Td (Flows ) Tj ET Q q 0 0 0 rg BT 350.73 467.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 358.70 467.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 378.68 467.10 Td (230\): ) Tj ET Q q 0 0 0 rg BT 403.11 467.10 Td (Classification ) Tj ET Q q 0 0 0 rg BT 461.44 467.10 Td (of ) Tj ET Q q 0 0 0 rg BT 471.98 467.10 Td (Certain ) Tj ET Q q 0 0 0 rg BT 505.30 467.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 528.63 467.10 Td (Receipts ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 455.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.53 455.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 91.13 455.10 Td (Payments ) Tj ET Q q 0 0 0 rg BT 133.04 455.10 Td (\(a ) Tj ET Q q 0 0 0 rg BT 144.40 455.10 Td (consensus ) Tj ET Q q 0 0 0 rg BT 187.99 455.10 Td (of ) Tj ET Q q 0 0 0 rg BT 198.80 455.10 Td (the ) Tj ET Q q 0 0 0 rg BT 214.05 455.10 Td (Emer) Tj ET Q q 0 0 0 rg BT 235.34 455.10 Td (ging ) Tj ET Q q 0 0 0 rg BT 256.15 455.10 Td (Issues ) Tj ET Q q 0 0 0 rg BT 283.63 455.10 Td (T) Tj ET Q q 0 0 0 rg BT 288.27 455.10 Td (ask ) Tj ET Q q 0 0 0 rg BT 304.64 455.10 Td (For) Tj ET Q q 0 0 0 rg BT 319.27 455.10 Td (ce\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.47 455.10 Td (. ) Tj ET Q q 0 0 0 rg BT 336.34 455.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 359.38 455.10 Td (2016-15 ) Tj ET Q q 0 0 0 rg BT 395.74 455.10 Td (clarifies ) Tj ET Q q 0 0 0 rg BT 430.97 455.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 470.10 455.10 Td (on ) Tj ET Q q 0 0 0 rg BT 483.14 455.10 Td (the ) Tj ET Q q 0 0 0 rg BT 498.39 455.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 554.18 455.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 443.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 80.32 443.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 101.70 443.10 Td (receipts ) Tj ET Q q 0 0 0 rg BT 136.41 443.10 Td (and ) Tj ET Q q 0 0 0 rg BT 154.46 443.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 196.40 443.10 Td (in ) Tj ET Q q 0 0 0 rg BT 207.79 443.10 Td (the ) Tj ET Q q 0 0 0 rg BT 223.63 443.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 265.56 443.10 Td (of ) Tj ET Q q 0 0 0 rg BT 277.51 443.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 298.89 443.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 324.73 443.10 Td (to ) Tj ET Q q 0 0 0 rg BT 336.12 443.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 366.38 443.10 Td (diversity ) Tj ET Q q 0 0 0 rg BT 404.99 443.10 Td (in ) Tj ET Q q 0 0 0 rg BT 416.38 443.10 Td (practice. ) Tj ET Q q 0 0 0 rg BT 454.14 443.10 Td ( ) Tj ET Q q 0 0 0 rg BT 456.95 443.10 Td (Among ) Tj ET Q q 0 0 0 rg BT 490.57 443.10 Td (other ) Tj ET Q q 0 0 0 rg BT 514.73 443.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 545.29 443.10 Td (debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 431.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 98.90 431.10 Td (or ) Tj ET Q q 0 0 0 rg BT 109.44 431.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 128.86 431.10 Td (extinguishment ) Tj ET Q q 0 0 0 rg BT 192.72 431.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 214.92 431.10 Td (will ) Tj ET Q q 0 0 0 rg BT 232.68 431.10 Td (be ) Tj ET Q q 0 0 0 rg BT 244.32 431.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 284.84 431.10 Td (as ) Tj ET Q q 0 0 0 rg BT 295.37 431.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 315.34 431.10 Td (outflows ) Tj ET Q q 0 0 0 rg BT 352.54 431.10 Td (for ) Tj ET Q q 0 0 0 rg BT 366.40 431.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 406.37 431.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 444.67 431.10 Td (on ) Tj ET Q q 0 0 0 rg BT 456.87 431.10 Td (the ) Tj ET Q q 0 0 0 rg BT 471.29 431.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 511.81 431.10 Td (of ) Tj ET Q q 0 0 0 rg BT 522.35 431.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 542.32 431.10 Td (flow) Tj ET Q q 0 0 0 rg BT 560.00 431.10 Td (. ) Tj ET Q q 0 0 0 rg BT 565.00 431.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 419.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.17 419.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 103.17 419.10 Td (will ) Tj ET Q q 0 0 0 rg BT 120.86 419.10 Td (become ) Tj ET Q q 0 0 0 rg BT 154.08 419.10 Td (ef) Tj ET Q q 0 0 0 rg BT 161.66 419.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 190.99 419.10 Td (for ) Tj ET Q q 0 0 0 rg BT 204.78 419.10 Td (us ) Tj ET Q q 0 0 0 rg BT 215.79 419.10 Td (in ) Tj ET Q q 0 0 0 rg BT 225.70 419.10 Td (the ) Tj ET Q q 0 0 0 rg BT 240.04 419.10 Td (first ) Tj ET Q q 0 0 0 rg BT 258.27 419.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 288.72 419.10 Td (of ) Tj ET Q q 0 0 0 rg BT 299.17 419.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 322.95 419.10 Td (year ) Tj ET Q q 0 0 0 rg BT 342.28 419.10 Td (2019. ) Tj ET Q q 0 0 0 rg BT 366.91 419.10 Td ( ) Tj ET Q q 0 0 0 rg BT 368.88 419.10 Td (The ) Tj ET Q q 0 0 0 rg BT 386.55 419.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 423.67 419.10 Td (of ) Tj ET Q q 0 0 0 rg BT 434.13 419.10 Td (this ) Tj ET Q q 0 0 0 rg BT 450.23 419.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 472.36 419.10 Td (is ) Tj ET Q q 0 0 0 rg BT 481.16 419.10 Td (not ) Tj ET Q q 0 0 0 rg BT 496.06 419.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 533.72 419.10 Td (to ) Tj ET Q q 0 0 0 rg BT 543.63 419.10 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 407.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.44 407.10 Td (material ) Tj ET Q q 0 0 0 rg BT 91.70 407.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 121.41 407.10 Td (on ) Tj ET Q q 0 0 0 rg BT 133.91 407.10 Td (our ) Tj ET Q q 0 0 0 rg BT 149.74 407.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 202.78 407.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 240.26 407.10 Td (statements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 389.10 Td (In ) Tj ET Q q 0 0 0 rg BT 59.76 389.10 Td (October ) Tj ET Q q 0 0 0 rg BT 93.90 389.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 118.34 389.10 Td (the ) Tj ET Q q 0 0 0 rg BT 132.49 389.10 Td (F) Tj ET Q q 0 0 0 rg BT 137.31 389.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 158.69 389.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 185.20 389.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 207.14 389.10 Td (2016-16, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 244.90 389.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 276.27 389.10 Td (T) Tj ET Q q 0 0 0 rg BT 280.91 389.10 Td (axes ) Tj ET Q q 0 0 0 rg BT 300.61 389.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 308.58 389.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 327.74 389.10 Td (740\): ) Tj ET Q q 0 0 0 rg BT 351.33 389.10 Td (Intra-Entity ) Tj ET Q q 0 0 0 rg BT 400.47 389.10 Td (T) Tj ET Q q 0 0 0 rg BT 405.48 389.10 Td (ransfers ) Tj ET Q q 0 0 0 rg BT 440.20 389.10 Td (of ) Tj ET Q q 0 0 0 rg BT 449.77 389.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 476.71 389.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 501.97 389.10 Td (than ) Tj ET Q q 0 0 0 rg BT 521.68 389.10 Td (Inventory) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 560.00 389.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 377.10 Td (which ) Tj ET Q q 0 0 0 rg BT 76.59 377.10 Td (eliminates ) Tj ET Q q 0 0 0 rg BT 120.34 377.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.21 377.10 Td (exception ) Tj ET Q q 0 0 0 rg BT 176.73 377.10 Td (that ) Tj ET Q q 0 0 0 rg BT 194.37 377.10 Td (prohibits ) Tj ET Q q 0 0 0 rg BT 232.58 377.10 Td (the ) Tj ET Q q 0 0 0 rg BT 247.45 377.10 Td (recognition ) Tj ET Q q 0 0 0 rg BT 295.64 377.10 Td (of ) Tj ET Q q 0 0 0 rg BT 306.62 377.10 Td (current ) Tj ET Q q 0 0 0 rg BT 337.59 377.10 Td (and ) Tj ET Q q 0 0 0 rg BT 354.67 377.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 390.63 377.10 Td (income ) Tj ET Q q 0 0 0 rg BT 422.71 377.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 437.58 377.10 Td (ef) Tj ET Q q 0 0 0 rg BT 445.17 377.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 466.70 377.10 Td (for ) Tj ET Q q 0 0 0 rg BT 481.01 377.10 Td (intra-entity ) Tj ET Q q 0 0 0 rg BT 528.09 377.10 Td (transfers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 365.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.61 365.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 86.72 365.10 Td (other ) Tj ET Q q 0 0 0 rg BT 110.04 365.10 Td (than ) Tj ET Q q 0 0 0 rg BT 130.04 365.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 171.14 365.10 Td (until ) Tj ET Q q 0 0 0 rg BT 192.25 365.10 Td (the ) Tj ET Q q 0 0 0 rg BT 207.25 365.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 229.47 365.10 Td (has ) Tj ET Q q 0 0 0 rg BT 245.57 365.10 Td (been ) Tj ET Q q 0 0 0 rg BT 267.23 365.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 286.68 365.10 Td (to ) Tj ET Q q 0 0 0 rg BT 297.23 365.10 Td (an ) Tj ET Q q 0 0 0 rg BT 309.45 365.10 Td (outside ) Tj ET Q q 0 0 0 rg BT 341.12 365.10 Td (party) Tj ET Q q 0 0 0 rg BT 361.01 365.10 Td (. ) Tj ET Q q 0 0 0 rg BT 366.29 365.10 Td ( ) Tj ET Q q 0 0 0 rg BT 368.87 365.10 Td (The ) Tj ET Q q 0 0 0 rg BT 387.19 365.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 423.85 365.10 Td (will ) Tj ET Q q 0 0 0 rg BT 442.19 365.10 Td (become ) Tj ET Q q 0 0 0 rg BT 476.06 365.10 Td (ef) Tj ET Q q 0 0 0 rg BT 483.65 365.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 513.63 365.10 Td (for ) Tj ET Q q 0 0 0 rg BT 528.06 365.10 Td (us ) Tj ET Q q 0 0 0 rg BT 539.73 365.10 Td (in ) Tj ET Q q 0 0 0 rg BT 550.29 365.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 353.10 Td (first ) Tj ET Q q 0 0 0 rg BT 67.96 353.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 98.62 353.10 Td (of ) Tj ET Q q 0 0 0 rg BT 109.30 353.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 133.30 353.10 Td (year ) Tj ET Q q 0 0 0 rg BT 152.85 353.10 Td (2019. ) Tj ET Q q 0 0 0 rg BT 177.53 353.10 Td (The ) Tj ET Q q 0 0 0 rg BT 195.43 353.10 Td (application ) Tj ET Q q 0 0 0 rg BT 242.20 353.10 Td (of ) Tj ET Q q 0 0 0 rg BT 252.88 353.10 Td (the ) Tj ET Q q 0 0 0 rg BT 267.45 353.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 320.33 353.10 Td (will ) Tj ET Q q 0 0 0 rg BT 338.24 353.10 Td (require ) Tj ET Q q 0 0 0 rg BT 368.90 353.10 Td (the ) Tj ET Q q 0 0 0 rg BT 383.47 353.10 Td (use ) Tj ET Q q 0 0 0 rg BT 399.14 353.10 Td (of ) Tj ET Q q 0 0 0 rg BT 409.82 353.10 Td (a ) Tj ET Q q 0 0 0 rg BT 416.61 353.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 455.06 353.10 Td (retrospective ) Tj ET Q q 0 0 0 rg BT 509.05 353.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 531.40 353.10 Td (through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 341.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.53 341.10 Td (cumulative-ef) Tj ET Q q 0 0 0 rg BT 111.88 341.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 129.46 341.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 175.93 341.10 Td (to ) Tj ET Q q 0 0 0 rg BT 186.30 341.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 221.10 341.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 257.57 341.10 Td (as ) Tj ET Q q 0 0 0 rg BT 268.49 341.10 Td (of ) Tj ET Q q 0 0 0 rg BT 279.41 341.10 Td (the ) Tj ET Q q 0 0 0 rg BT 294.22 341.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 336.81 341.10 Td (of ) Tj ET Q q 0 0 0 rg BT 347.73 341.10 Td (the ) Tj ET Q q 0 0 0 rg BT 362.54 341.10 Td (period ) Tj ET Q q 0 0 0 rg BT 390.68 341.10 Td (of ) Tj ET Q q 0 0 0 rg BT 401.60 341.10 Td (adoption. ) Tj ET Q q 0 0 0 rg BT 441.50 341.10 Td (W) Tj ET Q q 0 0 0 rg BT 450.14 341.10 Td (e ) Tj ET Q q 0 0 0 rg BT 457.17 341.10 Td (do ) Tj ET Q q 0 0 0 rg BT 469.77 341.10 Td (not ) Tj ET Q q 0 0 0 rg BT 485.14 341.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 513.82 341.10 Td (the ) Tj ET Q q 0 0 0 rg BT 528.63 341.10 Td (standard ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 329.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.78 329.10 Td (have ) Tj ET Q q 0 0 0 rg BT 81.16 329.10 Td (a ) Tj ET Q q 0 0 0 rg BT 88.09 329.10 Td (material ) Tj ET Q q 0 0 0 rg BT 123.35 329.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 153.06 329.10 Td (on ) Tj ET Q q 0 0 0 rg BT 165.56 329.10 Td (our ) Tj ET Q q 0 0 0 rg BT 181.39 329.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 218.88 329.10 Td (statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 311.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.68 311.10 Td (November ) Tj ET Q q 0 0 0 rg BT 105.75 311.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 131.10 311.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.17 311.10 Td (F) Tj ET Q q 0 0 0 rg BT 150.99 311.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 173.30 311.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 200.52 311.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 223.38 311.10 Td (2016-18, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 262.06 311.10 Td (Statement ) Tj ET Q q 0 0 0 rg BT 304.35 311.10 Td (of ) Tj ET Q q 0 0 0 rg BT 314.98 311.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 338.40 311.10 Td (Flows ) Tj ET Q q 0 0 0 rg BT 365.70 311.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 373.67 311.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 393.75 311.10 Td (230\): ) Tj ET Q q 0 0 0 rg BT 418.26 311.10 Td (Restricted ) Tj ET Q q 0 0 0 rg BT 461.66 311.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 485.07 311.10 Td (\(a ) Tj ET Q q 0 0 0 rg BT 496.26 311.10 Td (consensus ) Tj ET Q q 0 0 0 rg BT 539.66 311.10 Td (of ) Tj ET Q q 0 0 0 rg BT 550.29 311.10 Td (the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 299.10 Td (F) Tj ET Q q 0 0 0 rg BT 54.32 299.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 74.55 299.10 Td (Emer) Tj ET Q q 0 0 0 rg BT 95.84 299.10 Td (ging ) Tj ET Q q 0 0 0 rg BT 116.64 299.10 Td (Issues ) Tj ET Q q 0 0 0 rg BT 144.10 299.10 Td (T) Tj ET Q q 0 0 0 rg BT 148.74 299.10 Td (ask ) Tj ET Q q 0 0 0 rg BT 165.09 299.10 Td (For) Tj ET Q q 0 0 0 rg BT 179.72 299.10 Td (ce\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.93 299.10 Td (. ) Tj ET Q q 0 0 0 rg BT 196.78 299.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 219.80 299.10 Td (2016-18 ) Tj ET Q q 0 0 0 rg BT 256.15 299.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 291.37 299.10 Td (that ) Tj ET Q q 0 0 0 rg BT 309.39 299.10 Td (the ) Tj ET Q q 0 0 0 rg BT 324.62 299.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 365.96 299.10 Td (of ) Tj ET Q q 0 0 0 rg BT 377.31 299.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 398.09 299.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 423.33 299.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 460.79 299.10 Td (the ) Tj ET Q q 0 0 0 rg BT 476.02 299.10 Td (change ) Tj ET Q q 0 0 0 rg BT 507.35 299.10 Td (in ) Tj ET Q q 0 0 0 rg BT 518.15 299.10 Td (the ) Tj ET Q q 0 0 0 rg BT 533.38 299.10 Td (total ) Tj ET Q q 0 0 0 rg BT 554.18 299.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 287.10 Td (cash, ) Tj ET Q q 0 0 0 rg BT 71.41 287.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 90.81 287.10 Td (equivalents, ) Tj ET Q q 0 0 0 rg BT 140.49 287.10 Td (and ) Tj ET Q q 0 0 0 rg BT 156.57 287.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 195.41 287.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 214.81 287.10 Td (or ) Tj ET Q q 0 0 0 rg BT 224.78 287.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 263.62 287.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 283.02 287.10 Td (equivalents. ) Tj ET Q q 0 0 0 rg BT 332.70 287.10 Td ( ) Tj ET Q q 0 0 0 rg BT 334.22 287.10 Td (W) Tj ET Q q 0 0 0 rg BT 342.86 287.10 Td (e ) Tj ET Q q 0 0 0 rg BT 348.94 287.10 Td (hold ) Tj ET Q q 0 0 0 rg BT 368.35 287.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 407.19 287.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 426.60 287.10 Td (related ) Tj ET Q q 0 0 0 rg BT 455.44 287.10 Td (to ) Tj ET Q q 0 0 0 rg BT 464.85 287.10 Td (our ) Tj ET Q q 0 0 0 rg BT 479.82 287.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 500.89 287.10 Td (backed ) Tj ET Q q 0 0 0 rg BT 530.85 287.10 Td (security ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 275.10 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 101.22 275.10 Td (The ) Tj ET Q q 0 0 0 rg BT 118.34 275.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 154.90 275.10 Td (of ) Tj ET Q q 0 0 0 rg BT 164.80 275.10 Td (this ) Tj ET Q q 0 0 0 rg BT 180.82 275.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 216.27 275.10 Td (will ) Tj ET Q q 0 0 0 rg BT 233.39 275.10 Td (result ) Tj ET Q q 0 0 0 rg BT 257.18 275.10 Td (in ) Tj ET Q q 0 0 0 rg BT 266.53 275.10 Td (us ) Tj ET Q q 0 0 0 rg BT 276.99 275.10 Td (no ) Tj ET Q q 0 0 0 rg BT 288.56 275.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 315.68 275.10 Td (showing ) Tj ET Q q 0 0 0 rg BT 351.14 275.10 Td (the ) Tj ET Q q 0 0 0 rg BT 364.92 275.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 398.70 275.10 Td (in ) Tj ET Q q 0 0 0 rg BT 408.05 275.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 446.82 275.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 466.16 275.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 502.15 275.10 Td (as ) Tj ET Q q 0 0 0 rg BT 512.05 275.10 Td (a ) Tj ET Q q 0 0 0 rg BT 518.06 275.10 Td (component ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 263.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.75 263.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 81.43 263.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 106.57 263.10 Td (from ) Tj ET Q q 0 0 0 rg BT 128.92 263.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 169.60 263.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 208.61 263.10 Td (but ) Tj ET Q q 0 0 0 rg BT 224.30 263.10 Td (instead ) Tj ET Q q 0 0 0 rg BT 255.54 263.10 Td (include ) Tj ET Q q 0 0 0 rg BT 287.89 263.10 Td (the ) Tj ET Q q 0 0 0 rg BT 303.03 263.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 340.36 263.10 Td (of ) Tj ET Q q 0 0 0 rg BT 351.61 263.10 Td (both ) Tj ET Q q 0 0 0 rg BT 372.30 263.10 Td (current ) Tj ET Q q 0 0 0 rg BT 403.53 263.10 Td (and ) Tj ET Q q 0 0 0 rg BT 420.89 263.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 463.24 263.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 503.35 263.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 524.04 263.10 Td (with ) Tj ET Q q 0 0 0 rg BT 544.73 263.10 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 251.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.83 251.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 87.49 251.10 Td (equivalents ) Tj ET Q q 0 0 0 rg BT 135.93 251.10 Td (in ) Tj ET Q q 0 0 0 rg BT 146.60 251.10 Td (total ) Tj ET Q q 0 0 0 rg BT 167.26 251.10 Td (cash, ) Tj ET Q q 0 0 0 rg BT 190.42 251.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 211.08 251.10 Td (equivalents ) Tj ET Q q 0 0 0 rg BT 259.52 251.10 Td (and ) Tj ET Q q 0 0 0 rg BT 276.85 251.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 316.94 251.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 337.60 251.10 Td (for ) Tj ET Q q 0 0 0 rg BT 352.15 251.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.26 251.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 410.15 251.10 Td (and ) Tj ET Q q 0 0 0 rg BT 427.48 251.10 Td (end ) Tj ET Q q 0 0 0 rg BT 444.81 251.10 Td (of ) Tj ET Q q 0 0 0 rg BT 456.03 251.10 Td (the ) Tj ET Q q 0 0 0 rg BT 471.14 251.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 503.47 251.10 Td (presented. ) Tj ET Q q 0 0 0 rg BT 546.97 251.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 239.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 72.00 239.10 Td (will ) Tj ET Q q 0 0 0 rg BT 90.06 239.10 Td (become ) Tj ET Q q 0 0 0 rg BT 123.66 239.10 Td (ef) Tj ET Q q 0 0 0 rg BT 131.24 239.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 160.95 239.10 Td (for ) Tj ET Q q 0 0 0 rg BT 175.11 239.10 Td (us ) Tj ET Q q 0 0 0 rg BT 186.50 239.10 Td (in ) Tj ET Q q 0 0 0 rg BT 196.78 239.10 Td (the ) Tj ET Q q 0 0 0 rg BT 211.49 239.10 Td (first ) Tj ET Q q 0 0 0 rg BT 230.10 239.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 260.92 239.10 Td (of ) Tj ET Q q 0 0 0 rg BT 271.75 239.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 295.90 239.10 Td (year ) Tj ET Q q 0 0 0 rg BT 315.61 239.10 Td (2019. ) Tj ET Q endstream endobj 145 0 obj <>] /Rotate 0 /Contents 146 0 R>> endobj 146 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (71) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 731.25 Td (2. ) Tj ET Q q 0 0 0 rg BT 67.50 731.25 Td (Customer) Tj ET Q q 0 0 0 rg BT 109.53 731.25 Td ( ) Tj ET Q q 0 0 0 rg BT 111.48 731.25 Td (Accounts Receivable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.52 731.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 713.25 Td (Customer accounts receivable consisted of the following:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.00 621.75 161.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 621.75 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.00 621.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.00 621.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 621.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 621.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 621.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 621.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 621.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 621.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 621.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 621.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.00 591.75 161.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 591.75 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.00 591.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.00 591.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 591.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 591.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 591.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 591.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 591.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 591.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 591.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 591.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.00 561.75 161.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 561.75 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.00 561.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.00 561.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 561.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 561.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 561.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 561.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 561.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 561.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 561.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 561.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.00 521.75 161.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 521.75 58.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.00 521.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.00 521.75 54.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 521.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 521.75 55.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 521.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 521.75 55.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 521.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 521.75 55.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 521.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 521.75 55.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.00 471.75 161.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 471.75 58.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.00 471.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.00 471.75 54.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 471.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 471.75 55.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 471.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 471.75 55.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 471.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 471.75 55.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 471.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 471.75 55.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.00 414.75 161.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 414.75 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.00 414.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.00 414.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 414.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.00 414.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 414.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.00 414.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 414.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 414.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 414.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 414.75 55.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 657.75 m 268 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 657.75 m 272 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272 657.75 m 326 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 657.75 m 385 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 657.75 m 389 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 657.75 m 444 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 657.75 m 503 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 657.75 m 507 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 657.75 m 562 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 657.75 m 268 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 621.75 m 268 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 657.75 m 272 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272 657.75 m 326 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272 621.75 m 326 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 657.75 m 385 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 621.75 m 385 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 657.75 m 389 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 657.75 m 444 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 621.75 m 444 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 657.75 m 503 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 621.75 m 503 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 657.75 m 507 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 657.75 m 562 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 621.75 m 562 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 621.75 m 268 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272 621.75 m 326 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 621.75 m 385 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 621.75 m 444 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 621.75 m 503 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 621.75 m 562 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 591.75 m 268 591.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272 591.75 m 326 591.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 591.75 m 385 591.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 577.75 m 385 577.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 575.75 m 385 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 591.75 m 444 591.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 577.75 m 444 577.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 575.75 m 444 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 591.75 m 503 591.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 577.75 m 503 577.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 575.75 m 503 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 591.75 m 562 591.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 577.75 m 562 577.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 575.75 m 562 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 521.75 m 268 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272 521.75 m 326 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272 521.75 m 326 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 471.75 m 268 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272 471.75 m 326 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 471.75 m 268 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 447.75 m 268 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 445.75 m 268 445.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272 471.75 m 326 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272 447.75 m 326 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272 445.75 m 326 445.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 445.75 m 268 445.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 447.75 m 268 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272 445.75 m 326 445.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272 447.75 m 326 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 399.75 m 268 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272 399.75 m 326 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 399.75 m 385 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 399.75 m 444 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 399.75 m 503 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 399.75 m 562 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 385.75 m 268 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 383.75 m 268 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272 385.75 m 326 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272 383.75 m 326 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 385.75 m 385 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330 383.75 m 385 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 385.75 m 444 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389 383.75 m 444 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 385.75 m 503 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 383.75 m 503 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 385.75 m 562 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 383.75 m 562 383.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 686.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 328.40 686.43 Td (T) Tj ET Q q 0 0 0 rg BT 334.61 686.43 Td (otal Outstanding Balance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 662.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.75 672.43 Td (Customer) Tj ET Q q 0 0 0 rg BT 267.78 672.43 Td ( ) Tj ET Q q 0 0 0 rg BT 269.73 672.43 Td (Accounts) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 244.45 662.43 Td (Receivable) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 345.60 662.43 Td (60 Days Past Due) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 419.77 666.96 Td (\(1\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.60 662.43 Td (Re-aged) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 513.59 666.96 Td (\(1\) \(2\)) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 51.50 626.46 Td (\(in thousands\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.70 635.20 Td (January 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.50 626.20 Td (2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 275.70 635.20 Td (January 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.50 626.20 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 334.20 635.20 Td (January 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.00 626.20 Td (2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.20 635.20 Td (January 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 626.20 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.20 635.20 Td (January 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 626.20 Td (2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.20 635.20 Td (January 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 525.00 626.20 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 611.42 Td (Customer accounts receivable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.50 611.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.10 611.42 Td (1,374,269) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.50 611.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.10 611.42 Td (1,417,581) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.50 611.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 611.42 Td (1) Tj ET Q q 0 0 0 rg BT 353.65 611.42 Td (14,120) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.50 611.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.65 611.42 Td (127,747) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.50 611.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 611.42 Td (217,952) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.50 611.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 611.42 Td (1) Tj ET Q q 0 0 0 rg BT 530.65 611.42 Td (1) Tj ET Q q 0 0 0 rg BT 535.65 611.42 Td (1,585) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 596.42 Td (Restructured accounts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.65 596.42 Td (153,593) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.65 596.42 Td (138,858) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.65 596.42 Td (37,687) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.65 596.42 Td (38,010) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 596.42 Td (153,593) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 596.42 Td (138,858) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.50 581.42 Td (T) Tj ET Q q 0 0 0 rg BT 65.91 581.42 Td (otal customer portfolio balance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.10 581.42 Td (1,527,862) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.10 581.42 Td (1,556,439) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.50 581.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 581.42 Td (151,807) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.50 581.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.65 581.42 Td (165,757) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.50 581.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 581.42 Td (371,545) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.50 581.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 581.42 Td (250,443) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 566.42 Td (Net deferred origination fees and costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.30 566.42 Td (\(15,897) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.15 566.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.30 566.47 Td (\(6,991) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 566.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 551.42 Td (Allowance for uncollectible accounts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.30 551.42 Td (\(203,572) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.15 551.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.30 551.47 Td (\(210,175) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 551.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.50 551.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.50 551.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 551.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.50 551.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 536.42 Td (Allowances for no-interest option) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.50 526.42 Td (credit programs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.30 526.42 Td (\(20,960) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.15 526.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.30 526.47 Td (\(21,207) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 526.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.50 526.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.50 526.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 526.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.50 526.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.50 511.42 Td (T) Tj ET Q q 0 0 0 rg BT 63.26 511.42 Td (otal customer accounts receivables,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.50 501.42 Td (net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.10 501.42 Td (1,287,433) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.10 501.42 Td (1,318,066) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 486.42 Td (Short-term portion of customer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.50 476.42 Td (accounts receivable, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.30 476.42 Td (\(636,825) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.15 476.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.30 476.47 Td (\(702,162) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 476.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.50 476.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.50 476.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 476.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.50 476.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.50 461.42 Td (Long-term portion of customer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.50 451.42 Td (accounts receivable, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.50 451.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.65 451.42 Td (650,608) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.50 451.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.65 451.42 Td (615,904) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.50 451.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.50 451.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 451.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.50 451.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 429.42 Td (Securitized receivables held by the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 65.00 419.42 Td (VIE) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.50 419.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.10 419.42 Td (1,085,385) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.50 419.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.10 419.42 Td (1,015,837) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.50 419.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 419.42 Td (124,627) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.50 419.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.65 419.42 Td (156,344) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.50 419.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 419.42 Td (300,348) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.50 419.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 419.42 Td (238,375) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 405.32 Td (Receivables not held by the ) Tj ET Q q 0 0 0 rg BT 168.84 405.32 Td (VIE) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.65 404.87 Td (442,477) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.65 404.87 Td (540,602) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.65 404.87 Td (27,180) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.65 404.87 Td (9,413) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.65 404.87 Td (71,197) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 404.87 Td (12,068) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 390.32 Td (T) Tj ET Q q 0 0 0 rg BT 67.41 390.32 Td (otal customer portfolio balance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.50 389.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.10 389.87 Td (1,527,862) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.50 389.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.10 389.87 Td (1,556,439) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.50 389.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.65 389.87 Td (151,807) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.50 389.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.65 389.87 Td (165,757) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.50 389.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 389.87 Td (371,545) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.50 389.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 389.87 Td (250,443) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.50 367.25 Td (\(1\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.50 367.25 Td (Due ) Tj ET Q q 0 0 0 rg BT 96.56 367.25 Td (to ) Tj ET Q q 0 0 0 rg BT 106.75 367.25 Td (the ) Tj ET Q q 0 0 0 rg BT 121.37 367.25 Td (fact ) Tj ET Q q 0 0 0 rg BT 138.76 367.25 Td (that ) Tj ET Q q 0 0 0 rg BT 156.16 367.25 Td (an ) Tj ET Q q 0 0 0 rg BT 168.00 367.25 Td (account ) Tj ET Q q 0 0 0 rg BT 201.50 367.25 Td (can ) Tj ET Q q 0 0 0 rg BT 217.78 367.25 Td (become ) Tj ET Q q 0 0 0 rg BT 251.28 367.25 Td (past ) Tj ET Q q 0 0 0 rg BT 269.79 367.25 Td (due ) Tj ET Q q 0 0 0 rg BT 286.64 367.25 Td (after ) Tj ET Q q 0 0 0 rg BT 307.36 367.25 Td (having ) Tj ET Q q 0 0 0 rg BT 336.98 367.25 Td (been ) Tj ET Q q 0 0 0 rg BT 358.26 367.25 Td (re-aged, ) Tj ET Q q 0 0 0 rg BT 393.14 367.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 430.53 367.25 Td (could ) Tj ET Q q 0 0 0 rg BT 455.15 367.25 Td (be ) Tj ET Q q 0 0 0 rg BT 467.00 367.25 Td (represented ) Tj ET Q q 0 0 0 rg BT 515.49 367.25 Td (as ) Tj ET Q q 0 0 0 rg BT 526.22 367.25 Td (both ) Tj ET Q q 0 0 0 rg BT 546.40 367.25 Td (past ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.50 355.25 Td (due ) Tj ET Q q 0 0 0 rg BT 94.89 355.25 Td (and ) Tj ET Q q 0 0 0 rg BT 112.29 355.25 Td (re-aged. ) Tj ET Q q 0 0 0 rg BT 147.07 355.25 Td (As ) Tj ET Q q 0 0 0 rg BT 161.14 355.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.42 355.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 221.48 355.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.48 355.25 Td ( ) Tj ET Q q 0 0 0 rg BT 244.43 355.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.83 355.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.83 355.25 Td (, ) Tj ET Q q 0 0 0 rg BT 287.28 355.25 Td (the ) Tj ET Q q 0 0 0 rg BT 302.45 355.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 339.30 355.25 Td (included ) Tj ET Q q 0 0 0 rg BT 376.68 355.25 Td (within ) Tj ET Q q 0 0 0 rg BT 405.20 355.25 Td (both ) Tj ET Q q 0 0 0 rg BT 425.93 355.25 Td (60 ) Tj ET Q q 0 0 0 rg BT 438.89 355.25 Td (days ) Tj ET Q q 0 0 0 rg BT 460.17 355.25 Td (past ) Tj ET Q q 0 0 0 rg BT 479.24 355.25 Td (due ) Tj ET Q q 0 0 0 rg BT 496.63 355.25 Td (and ) Tj ET Q q 0 0 0 rg BT 514.02 355.25 Td (re-aged ) Tj ET Q q 0 0 0 rg BT 546.96 355.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.50 343.25 Td ($80.8 ) Tj ET Q q 0 0 0 rg BT 102.64 343.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.54 343.25 Td ( ) Tj ET Q q 0 0 0 rg BT 134.18 343.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.26 343.25 Td ($66.7 ) Tj ET Q q 0 0 0 rg BT 176.41 343.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.30 343.25 Td (, ) Tj ET Q q 0 0 0 rg BT 210.44 343.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 258.10 343.25 Td (. ) Tj ET Q q 0 0 0 rg BT 262.66 343.25 Td (As ) Tj ET Q q 0 0 0 rg BT 276.42 343.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.40 343.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 336.14 343.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.14 343.25 Td ( ) Tj ET Q q 0 0 0 rg BT 358.78 343.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.86 343.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.86 343.25 Td (, ) Tj ET Q q 0 0 0 rg BT 401.01 343.25 Td (the ) Tj ET Q q 0 0 0 rg BT 415.87 343.25 Td (total ) Tj ET Q q 0 0 0 rg BT 436.29 343.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 475.59 343.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 513.23 343.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 546.40 343.25 Td (past ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.50 331.25 Td (due ) Tj ET Q q 0 0 0 rg BT 94.69 331.25 Td (one ) Tj ET Q q 0 0 0 rg BT 111.88 331.25 Td (day ) Tj ET Q q 0 0 0 rg BT 129.08 331.25 Td (or ) Tj ET Q q 0 0 0 rg BT 140.16 331.25 Td (greater ) Tj ET Q q 0 0 0 rg BT 170.67 331.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.97 331.25 Td ($401.0 ) Tj ET Q q 0 0 0 rg BT 219.23 331.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.12 331.25 Td ( ) Tj ET Q q 0 0 0 rg BT 250.87 331.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.07 331.25 Td ($406.1 ) Tj ET Q q 0 0 0 rg BT 298.32 331.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.21 331.25 Td (, ) Tj ET Q q 0 0 0 rg BT 332.47 331.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 380.13 331.25 Td (.) Tj ET Q q 0 0 0 rg BT 384.95 331.25 Td (These ) Tj ET Q q 0 0 0 rg BT 411.58 331.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 448.22 331.25 Td (include ) Tj ET Q q 0 0 0 rg BT 480.41 331.25 Td (the ) Tj ET Q q 0 0 0 rg BT 495.38 331.25 Td (60 ) Tj ET Q q 0 0 0 rg BT 508.13 331.25 Td (days ) Tj ET Q q 0 0 0 rg BT 529.21 331.25 Td (past ) Tj ET Q q 0 0 0 rg BT 548.08 331.25 Td (due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.50 319.25 Td (totals ) Tj ET Q q 0 0 0 rg BT 101.67 319.25 Td (shown ) Tj ET Q q 0 0 0 rg BT 130.28 319.25 Td (above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.50 301.25 Td (\(2\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.50 301.25 Td (The ) Tj ET Q q 0 0 0 rg BT 96.24 301.25 Td (re-aged ) Tj ET Q q 0 0 0 rg BT 129.42 301.25 Td (receivable ) Tj ET Q q 0 0 0 rg BT 173.69 301.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 207.42 301.25 Td (as ) Tj ET Q q 0 0 0 rg BT 218.95 301.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.48 301.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 279.77 301.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.77 301.25 Td ( ) Tj ET Q q 0 0 0 rg BT 302.97 301.25 Td (includes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.49 301.25 Td ($62.0 ) Tj ET Q q 0 0 0 rg BT 365.19 301.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.08 301.25 Td ( ) Tj ET Q q 0 0 0 rg BT 397.28 301.25 Td (in ) Tj ET Q q 0 0 0 rg BT 408.25 301.25 Td (first ) Tj ET Q q 0 0 0 rg BT 427.56 301.25 Td (time ) Tj ET Q q 0 0 0 rg BT 448.53 301.25 Td (re-ages ) Tj ET Q q 0 0 0 rg BT 480.60 301.25 Td (related ) Tj ET Q q 0 0 0 rg BT 511.00 301.25 Td (to ) Tj ET Q q 0 0 0 rg BT 521.97 301.25 Td (customers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.50 289.25 Td (within ) Tj ET Q q 0 0 0 rg BT 105.56 289.25 Td (FEMA-designated ) Tj ET Q q 0 0 0 rg BT 181.93 289.25 Td (Hurricane ) Tj ET Q q 0 0 0 rg BT 224.41 289.25 Td (Harvey ) Tj ET Q q 0 0 0 rg BT 256.34 289.25 Td (disaster ) Tj ET Q q 0 0 0 rg BT 289.38 289.25 Td (areas. ) Tj ET Q q 0 0 0 rg BT 314.92 289.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 271.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.55 271.25 Td (following ) Tj ET Q q 0 0 0 rg BT 108.93 271.25 Td (presents ) Tj ET Q q 0 0 0 rg BT 144.20 271.25 Td (the ) Tj ET Q q 0 0 0 rg BT 158.92 271.25 Td (activity ) Tj ET Q q 0 0 0 rg BT 191.41 271.25 Td (in ) Tj ET Q q 0 0 0 rg BT 201.69 271.25 Td (our ) Tj ET Q q 0 0 0 rg BT 217.52 271.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 260.55 271.25 Td (for ) Tj ET Q q 0 0 0 rg BT 274.71 271.25 Td (doubtful ) Tj ET Q q 0 0 0 rg BT 311.10 271.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 348.58 271.25 Td (and ) Tj ET Q q 0 0 0 rg BT 365.52 271.25 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 419.67 271.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 451.60 271.25 Td (for ) Tj ET Q q 0 0 0 rg BT 465.76 271.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 504.92 271.25 Td (receivables:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 205.75 300.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 205.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.00 205.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.00 205.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.00 205.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.00 205.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 175.75 300.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 175.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.00 175.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.00 175.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.00 175.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.00 175.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 145.75 300.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 145.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.00 145.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.00 145.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.00 145.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.00 145.75 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 115.75 300.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 115.75 66.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.00 115.75 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.00 115.75 65.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.00 115.75 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.00 115.75 74.00 -21.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 239.75 m 416 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416 239.75 m 420 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420 239.75 m 485 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485 239.75 m 489 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489 239.75 m 563 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 205.75 m 416 205.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420 205.75 m 485 205.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489 205.75 m 563 205.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 130.75 m 416 130.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 116.75 m 416 116.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 114.75 m 416 114.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420 130.75 m 485 130.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420 116.75 m 485 116.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420 114.75 m 485 114.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489 130.75 m 563 130.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489 116.75 m 563 116.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489 114.75 m 563 114.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 95.75 m 416 95.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 93.75 m 416 93.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420 95.75 m 485 95.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420 93.75 m 485 93.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489 95.75 m 563 95.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489 93.75 m 563 93.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 244.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 419.45 244.43 Td (January 31, 2018) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 210.46 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 361.45 230.43 Td (Customer) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 362.75 220.43 Td (Accounts) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 359.45 210.43 Td (Receivable) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 423.75 220.43 Td (Restructur) Tj ET Q q 0 0 0 rg BT 470.22 220.43 Td (ed) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 432.25 210.43 Td (Accounts) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 514.55 210.43 Td (T) Tj ET Q q 0 0 0 rg BT 520.30 210.43 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 195.42 Td (Allowance at beginning of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.50 195.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.65 195.42 Td (158,992) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.50 195.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.65 195.42 Td (51,183) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.50 195.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.65 195.42 Td (210,175) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 180.42 Td (Provision) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 90.84 184.95 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.65 180.42 Td (189,786) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.65 180.42 Td (71,047) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.65 180.42 Td (260,833) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 165.42 Td (Principal char) Tj ET Q q 0 0 0 rg BT 108.13 165.42 Td (ge-of) Tj ET Q q 0 0 0 rg BT 129.05 165.42 Td (fs) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 136.27 169.95 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.30 165.47 Td (\(177,682) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.15 165.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.30 165.47 Td (\(60,003) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.15 165.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.30 165.47 Td (\(237,685) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.15 165.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 150.42 Td (Interest char) Tj ET Q q 0 0 0 rg BT 102.10 150.42 Td (ge-of) Tj ET Q q 0 0 0 rg BT 123.02 150.42 Td (fs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.30 150.47 Td (\(30,379) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.15 150.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.30 150.47 Td (\(10,259) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.15 150.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.30 150.47 Td (\(40,638) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.15 150.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 135.42 Td (Recoveries) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 96.92 139.95 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.65 135.42 Td (8,139) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.65 135.42 Td (2,748) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.65 135.42 Td (10,887) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 120.42 Td (Allowance at end of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.50 120.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.65 120.42 Td (148,856) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.50 120.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.65 120.42 Td (54,716) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.50 120.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.65 120.42 Td (203,572) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 99.42 Td (A) Tj ET Q q 0 0 0 rg BT 58.98 99.42 Td (verage customer portfolio balance outstanding) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.50 99.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.15 99.42 Td (1,357,455) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.50 99.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.65 99.42 Td (143,245) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.50 99.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.15 99.42 Td (1,500,700) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 147 0 obj <>] /Rotate 0 /Contents 148 0 R>> endobj 148 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (72) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.00 688.50 300.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 688.50 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.00 688.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 688.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.00 688.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.00 688.50 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.00 658.50 300.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 658.50 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.00 658.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 658.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.00 658.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.00 658.50 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.00 628.50 300.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 628.50 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.00 628.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 628.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.00 628.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.00 628.50 74.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.00 598.50 300.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 598.50 66.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.00 598.50 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 598.50 65.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.00 598.50 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.00 598.50 74.00 -21.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 722.5 m 415 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415 722.5 m 419 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 722.5 m 484 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484 722.5 m 488 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488 722.5 m 562 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 688.5 m 415 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 688.5 m 484 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488 688.5 m 562 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 688.5 m 415 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 688.5 m 484 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 613.5 m 415 613.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 599.5 m 415 599.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 597.5 m 415 597.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 613.5 m 484 613.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 599.5 m 484 599.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 597.5 m 484 597.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488 613.5 m 562 613.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488 599.5 m 562 599.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488 597.5 m 562 597.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 597.5 m 415 597.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 599.5 m 415 599.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 578.5 m 415 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 576.5 m 415 576.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 597.5 m 484 597.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 599.5 m 484 599.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 578.5 m 484 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 576.5 m 484 576.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488 578.5 m 562 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488 576.5 m 562 576.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.50 727.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 418.45 727.18 Td (January 31, 2017) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 51.50 693.21 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.45 713.18 Td (Customer) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 361.75 703.18 Td (Accounts) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.45 693.18 Td (Receivable) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.75 703.18 Td (Restructur) Tj ET Q q 0 0 0 rg BT 469.22 703.18 Td (ed) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 431.25 693.18 Td (Accounts) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 513.55 693.18 Td (T) Tj ET Q q 0 0 0 rg BT 519.30 693.18 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 678.17 Td (Allowance at beginning of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.50 678.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.65 678.17 Td (149,227) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.50 678.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.65 678.17 Td (41,763) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.50 678.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 678.17 Td (190,990) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 663.17 Td (Provision) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 89.84 667.70 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.65 663.17 Td (219,084) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.65 663.17 Td (62,788) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 663.17 Td (281,872) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 648.17 Td (Principal char) Tj ET Q q 0 0 0 rg BT 107.13 648.17 Td (ge-of) Tj ET Q q 0 0 0 rg BT 128.05 648.17 Td (fs) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 135.27 652.70 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.30 648.22 Td (\(183,235) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.15 648.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.30 648.22 Td (\(46,710) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.15 648.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.30 648.22 Td (\(229,945) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 648.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 633.17 Td (Interest char) Tj ET Q q 0 0 0 rg BT 101.10 633.17 Td (ge-of) Tj ET Q q 0 0 0 rg BT 122.02 633.17 Td (fs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.30 633.22 Td (\(30,686) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.15 633.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.30 633.22 Td (\(7,832) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.15 633.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.30 633.22 Td (\(38,518) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 633.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 618.17 Td (Recoveries) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 95.92 622.70 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.65 618.17 Td (4,602) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.65 618.17 Td (1,174) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 618.17 Td (5,776) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.50 603.17 Td (Allowance at end of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.50 603.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.65 603.17 Td (158,992) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.50 603.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.65 603.17 Td (51,183) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.50 603.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 603.17 Td (210,175) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 582.17 Td (A) Tj ET Q q 0 0 0 rg BT 57.98 582.17 Td (verage customer portfolio balance outstanding) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.50 582.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.15 582.17 Td (1,423,445) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.50 582.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.65 582.17 Td (129,030) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.50 582.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.15 582.17 Td (1,552,475) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 512.50 300.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 512.50 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 512.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 512.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 512.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 512.50 73.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 482.50 300.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 482.50 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 482.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 482.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 482.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 482.50 73.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 452.50 300.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 452.50 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 452.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 452.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 452.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 452.50 73.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 422.50 300.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 422.50 66.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 422.50 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 422.50 65.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 422.50 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 422.50 73.00 -21.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 546.5 m 415.5 546.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 546.5 m 419.5 546.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 546.5 m 484.5 546.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 546.5 m 488.5 546.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 546.5 m 561.5 546.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 512.5 m 415.5 512.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 512.5 m 484.5 512.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 512.5 m 561.5 512.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 512.5 m 415.5 512.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 512.5 m 484.5 512.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 437.5 m 415.5 437.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 423.5 m 415.5 423.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 421.5 m 415.5 421.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 437.5 m 484.5 437.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 423.5 m 484.5 423.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 421.5 m 484.5 421.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 437.5 m 561.5 437.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 423.5 m 561.5 423.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 421.5 m 561.5 421.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 421.5 m 415.5 421.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 423.5 m 415.5 423.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 402.5 m 415.5 402.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 400.5 m 415.5 400.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 421.5 m 484.5 421.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 423.5 m 484.5 423.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 402.5 m 484.5 402.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 400.5 m 484.5 400.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 402.5 m 561.5 402.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 400.5 m 561.5 400.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.00 551.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 418.45 551.18 Td (January 31, 2016) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.00 517.21 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.95 537.18 Td (Customer) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 362.25 527.18 Td (Accounts) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.95 517.18 Td (Receivable) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 423.25 527.18 Td (Restructur) Tj ET Q q 0 0 0 rg BT 469.72 527.18 Td (ed) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 431.75 517.18 Td (Accounts) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 513.55 517.18 Td (T) Tj ET Q q 0 0 0 rg BT 519.30 517.18 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 502.17 Td (Allowance at beginning of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.00 502.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.15 502.17 Td (1) Tj ET Q q 0 0 0 rg BT 384.15 502.17 Td (18,786) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.00 502.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.15 502.17 Td (28,196) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.00 502.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.15 502.17 Td (146,982) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 487.17 Td (Provision) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 90.34 491.70 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.15 487.17 Td (204,499) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.15 487.17 Td (53,658) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.15 487.17 Td (258,157) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 472.17 Td (Principal char) Tj ET Q q 0 0 0 rg BT 107.63 472.17 Td (ge-of) Tj ET Q q 0 0 0 rg BT 128.55 472.17 Td (fs) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 135.77 476.70 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.80 472.22 Td (\(150,237) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.65 472.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.80 472.22 Td (\(34,604) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 472.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.80 472.22 Td (\(184,841) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 472.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 457.17 Td (Interest char) Tj ET Q q 0 0 0 rg BT 101.60 457.17 Td (ge-of) Tj ET Q q 0 0 0 rg BT 122.52 457.17 Td (fs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.80 457.22 Td (\(27,414) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.65 457.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.80 457.22 Td (\(6,314) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 457.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.80 457.22 Td (\(33,728) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 457.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 442.17 Td (Recoveries) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 96.42 446.70 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.15 442.17 Td (3,593) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.65 442.17 Td (827) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 442.17 Td (4,420) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 427.17 Td (Allowance at end of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.00 427.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.15 427.17 Td (149,227) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.00 427.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.15 427.17 Td (41,763) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.00 427.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.15 427.17 Td (190,990) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 406.17 Td (A) Tj ET Q q 0 0 0 rg BT 58.48 406.17 Td (verage customer portfolio balance outstanding) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.00 406.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.65 406.17 Td (1,355,804) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.00 406.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.15 406.17 Td (102,522) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.00 406.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.65 406.17 Td (1,458,326) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.50 384.00 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 91.66 384.00 Td (Includes ) Tj ET Q q 0 0 0 rg BT 128.04 384.00 Td (provision ) Tj ET Q q 0 0 0 rg BT 168.32 384.00 Td (for ) Tj ET Q q 0 0 0 rg BT 182.48 384.00 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 236.62 384.00 Td (interest, ) Tj ET Q q 0 0 0 rg BT 271.05 384.00 Td (which ) Tj ET Q q 0 0 0 rg BT 297.99 384.00 Td (is ) Tj ET Q q 0 0 0 rg BT 307.16 384.00 Td (included ) Tj ET Q q 0 0 0 rg BT 344.10 384.00 Td (in ) Tj ET Q q 0 0 0 rg BT 354.38 384.00 Td (finance ) Tj ET Q q 0 0 0 rg BT 386.30 384.00 Td (char) Tj ET Q q 0 0 0 rg BT 403.33 384.00 Td (ges ) Tj ET Q q 0 0 0 rg BT 419.16 384.00 Td (and ) Tj ET Q q 0 0 0 rg BT 436.09 384.00 Td (other ) Tj ET Q q 0 0 0 rg BT 459.14 384.00 Td (revenues.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.50 366.00 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 92.47 366.00 Td (Char) Tj ET Q q 0 0 0 rg BT 111.73 366.00 Td (ge-of) Tj ET Q q 0 0 0 rg BT 132.65 366.00 Td (fs ) Tj ET Q q 0 0 0 rg BT 143.18 366.00 Td (include ) Tj ET Q q 0 0 0 rg BT 175.93 366.00 Td (the ) Tj ET Q q 0 0 0 rg BT 191.46 366.00 Td (principal ) Tj ET Q q 0 0 0 rg BT 230.31 366.00 Td (amount ) Tj ET Q q 0 0 0 rg BT 263.62 366.00 Td (of ) Tj ET Q q 0 0 0 rg BT 275.27 366.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 302.47 366.00 Td (\(excluding ) Tj ET Q q 0 0 0 rg BT 348.55 366.00 Td (accrued ) Tj ET Q q 0 0 0 rg BT 382.94 366.00 Td (and ) Tj ET Q q 0 0 0 rg BT 400.70 366.00 Td (unpaid ) Tj ET Q q 0 0 0 rg BT 431.23 366.00 Td (interest\). ) Tj ET Q q 0 0 0 rg BT 469.80 366.00 Td (Recoveries ) Tj ET Q q 0 0 0 rg BT 517.54 366.00 Td (include ) Tj ET Q q 0 0 0 rg BT 550.29 366.00 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.50 354.00 Td (principal ) Tj ET Q q 0 0 0 rg BT 115.38 354.00 Td (amount ) Tj ET Q q 0 0 0 rg BT 147.70 354.00 Td (collected ) Tj ET Q q 0 0 0 rg BT 186.13 354.00 Td (during ) Tj ET Q q 0 0 0 rg BT 214.57 354.00 Td (the ) Tj ET Q q 0 0 0 rg BT 229.12 354.00 Td (period ) Tj ET Q q 0 0 0 rg BT 257.00 354.00 Td (for ) Tj ET Q q 0 0 0 rg BT 270.99 354.00 Td (previously ) Tj ET Q q 0 0 0 rg BT 315.54 354.00 Td (char) Tj ET Q q 0 0 0 rg BT 332.57 354.00 Td (ged-of) Tj ET Q q 0 0 0 rg BT 358.48 354.00 Td (f ) Tj ET Q q 0 0 0 rg BT 364.15 354.00 Td (balances. ) Tj ET Q q 0 0 0 rg BT 403.40 354.00 Td (Net ) Tj ET Q q 0 0 0 rg BT 420.17 354.00 Td (char) Tj ET Q q 0 0 0 rg BT 437.20 354.00 Td (ge-of) Tj ET Q q 0 0 0 rg BT 458.12 354.00 Td (fs ) Tj ET Q q 0 0 0 rg BT 467.67 354.00 Td (are ) Tj ET Q q 0 0 0 rg BT 482.21 354.00 Td (calculated ) Tj ET Q q 0 0 0 rg BT 525.07 354.00 Td (as ) Tj ET Q q 0 0 0 rg BT 535.74 354.00 Td (the ) Tj ET Q q 0 0 0 rg BT 550.29 354.00 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.50 342.00 Td (of ) Tj ET Q q 0 0 0 rg BT 88.33 342.00 Td (principal ) Tj ET Q q 0 0 0 rg BT 126.37 342.00 Td (char) Tj ET Q q 0 0 0 rg BT 143.40 342.00 Td (ge-of) Tj ET Q q 0 0 0 rg BT 164.32 342.00 Td (fs ) Tj ET Q q 0 0 0 rg BT 174.04 342.00 Td (and ) Tj ET Q q 0 0 0 rg BT 190.98 342.00 Td (recoveries.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 324.00 Td (3. ) Tj ET Q q 0 0 0 rg BT 67.50 324.00 Td (Pr) Tj ET Q q 0 0 0 rg BT 77.87 324.00 Td (operty and Equipment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 306.00 Td (Property ) Tj ET Q q 0 0 0 rg BT 86.44 306.00 Td (and ) Tj ET Q q 0 0 0 rg BT 103.38 306.00 Td (equipment ) Tj ET Q q 0 0 0 rg BT 148.09 306.00 Td (consist ) Tj ET Q q 0 0 0 rg BT 178.37 306.00 Td (of ) Tj ET Q q 0 0 0 rg BT 189.20 306.00 Td (the ) Tj ET Q q 0 0 0 rg BT 203.91 306.00 Td (following:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 259.50 314.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.00 259.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.00 259.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.00 259.50 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.00 259.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.00 259.50 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 229.50 314.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.00 229.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.00 229.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.00 229.50 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.00 229.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.00 229.50 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 199.50 314.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.00 199.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.00 199.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.00 199.50 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.00 199.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.00 199.50 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 169.50 314.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.00 169.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.00 169.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.00 169.50 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.00 169.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.00 169.50 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 139.50 314.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.00 139.50 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.00 139.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.00 139.50 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.00 139.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.00 139.50 59.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437 274.5 m 496 274.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496 274.5 m 500 274.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 274.5 m 559 274.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364 259.5 m 433 259.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437 259.5 m 496 259.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 259.5 m 559 259.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437 169.5 m 496 169.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 169.5 m 559 169.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437 139.5 m 496 139.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437 125.5 m 496 125.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437 123.5 m 496 123.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 139.5 m 559 139.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 125.5 m 559 125.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 123.5 m 559 123.5 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 376.30 279.18 Td (Estimated) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 472.20 279.18 Td (January 31,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 264.21 Td (\(dollars in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 371.75 264.18 Td (Useful Lives) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.00 264.18 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 519.00 264.18 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 249.17 Td (Land) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.00 249.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.50 249.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.65 249.17 Td (4,146) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.50 249.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.65 249.17 Td (3,979) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 234.17 Td (Buildings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.20 235.07 Td (30 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.65 234.17 Td (1,748) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.15 234.17 Td (913) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 219.17 Td (Leasehold improvements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.30 220.07 Td (5 to 15 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.65 219.17 Td (222,781) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.65 219.17 Td (215,612) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 204.17 Td (Equipment and fixtures) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.80 205.07 Td (3 to 5 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.65 204.17 Td (67,710) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.65 204.17 Td (59,879) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 189.17 Td (Capital leases) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.30 190.07 Td (3 to 20 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.65 189.17 Td (8,527) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.65 189.17 Td (4,989) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 174.17 Td (Construction in progress) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.00 174.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.65 174.17 Td (8,097) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.65 174.17 Td (13,572) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.65 159.17 Td (313,009) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.65 159.17 Td (298,944) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 144.17 Td (Less: accumulated depreciation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.30 144.22 Td (\(169,857) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.15 144.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.30 144.22 Td (\(139,742) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 555.15 144.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.50 129.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.65 129.17 Td (143,152) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.50 129.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.65 129.17 Td (159,202) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 560.50 125.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 107.00 Td (Depreciation ) Tj ET Q q 0 0 0 rg BT 104.10 107.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 139.26 107.00 Td (was ) Tj ET Q q 0 0 0 rg BT 157.77 107.00 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.48 107.00 Td ($30.8 ) Tj ET Q q 0 0 0 rg BT 243.94 107.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.83 107.00 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.28 107.00 Td ($28.8 ) Tj ET Q q 0 0 0 rg BT 303.74 107.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.63 107.00 Td ( ) Tj ET Q q 0 0 0 rg BT 335.59 107.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.98 107.00 Td ($22.7 ) Tj ET Q q 0 0 0 rg BT 378.44 107.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.33 107.00 Td ( ) Tj ET Q q 0 0 0 rg BT 410.28 107.00 Td (for ) Tj ET Q q 0 0 0 rg BT 424.90 107.00 Td (the ) Tj ET Q q 0 0 0 rg BT 440.07 107.00 Td (years ) Tj ET Q q 0 0 0 rg BT 464.13 107.00 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.96 107.00 Td (January31, ) Tj ET Q q 0 0 0 rg BT 540.01 107.00 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 560.01 107.00 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 95.00 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 95.00 Td ( ) Tj ET Q q 0 0 0 rg BT 71.16 95.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.26 95.00 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.26 95.00 Td (, ) Tj ET Q q 0 0 0 rg BT 111.42 95.00 Td (respectively) Tj ET Q q 0 0 0 rg BT 159.08 95.00 Td (. ) Tj ET Q q 0 0 0 rg BT 163.24 95.00 Td (Construction ) Tj ET Q q 0 0 0 rg BT 216.57 95.00 Td (in ) Tj ET Q q 0 0 0 rg BT 226.00 95.00 Td (progress ) Tj ET Q q 0 0 0 rg BT 261.55 95.00 Td (is ) Tj ET Q q 0 0 0 rg BT 269.88 95.00 Td (comprised ) Tj ET Q q 0 0 0 rg BT 313.19 95.00 Td (primarily ) Tj ET Q q 0 0 0 rg BT 352.06 95.00 Td (of ) Tj ET Q q 0 0 0 rg BT 362.05 95.00 Td (the ) Tj ET Q q 0 0 0 rg BT 375.93 95.00 Td (construction ) Tj ET Q q 0 0 0 rg BT 427.02 95.00 Td (of ) Tj ET Q q 0 0 0 rg BT 437.01 95.00 Td (leasehold ) Tj ET Q q 0 0 0 rg BT 476.44 95.00 Td (improvements ) Tj ET Q q 0 0 0 rg BT 535.31 95.00 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 83.00 Td (to ) Tj ET Q q 0 0 0 rg BT 59.78 83.00 Td (unopened ) Tj ET Q q 0 0 0 rg BT 101.16 83.00 Td (retail ) Tj ET Q q 0 0 0 rg BT 124.20 83.00 Td (stores ) Tj ET Q q 0 0 0 rg BT 150.03 83.00 Td (and ) Tj ET Q q 0 0 0 rg BT 166.97 83.00 Td (internal-use ) Tj ET Q q 0 0 0 rg BT 216.67 83.00 Td (software ) Tj ET Q q 0 0 0 rg BT 253.60 83.00 Td (under ) Tj ET Q q 0 0 0 rg BT 278.87 83.00 Td (development. ) Tj ET Q q 0 0 0 rg BT 335.52 83.00 Td (Capital ) Tj ET Q q 0 0 0 rg BT 366.90 83.00 Td (lease ) Tj ET Q q 0 0 0 rg BT 389.38 83.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 415.21 83.00 Td (primarily ) Tj ET Q q 0 0 0 rg BT 454.92 83.00 Td (include ) Tj ET Q q 0 0 0 rg BT 486.86 83.00 Td (retail ) Tj ET Q q 0 0 0 rg BT 509.90 83.00 Td (locations.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 65.00 Td (4. ) Tj ET Q q 0 0 0 rg BT 67.50 65.00 Td (Charges and Cr) Tj ET Q q 0 0 0 rg BT 135.65 65.00 Td (edits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.65 65.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 47.00 Td (Char) Tj ET Q q 0 0 0 rg BT 68.76 47.00 Td (ges ) Tj ET Q q 0 0 0 rg BT 84.59 47.00 Td (and ) Tj ET Q q 0 0 0 rg BT 101.53 47.00 Td (credits ) Tj ET Q q 0 0 0 rg BT 130.68 47.00 Td (consisted ) Tj ET Q q 0 0 0 rg BT 170.40 47.00 Td (of ) Tj ET Q q 0 0 0 rg BT 181.23 47.00 Td (the ) Tj ET Q q 0 0 0 rg BT 195.95 47.00 Td (following:) Tj ET Q endstream endobj 149 0 obj <>] /Rotate 0 /Contents 150 0 R>> endobj 150 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (73) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 709.50 339.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 709.50 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 709.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 709.50 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 709.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 709.50 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 671.50 339.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 671.50 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 671.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 671.50 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 671.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 671.50 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 643.50 339.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 643.50 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 643.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 643.50 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 643.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 643.50 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 615.50 339.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 615.50 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 615.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 615.50 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 615.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 615.50 55.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 723.5 m 443.5 723.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 723.5 m 447.5 723.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 723.5 m 502.5 723.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 723.5 m 506.5 723.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 723.5 m 561.5 723.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 709.5 m 443.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 709.5 m 502.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 709.5 m 561.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 709.5 m 443.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 709.5 m 502.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 709.5 m 561.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 601.5 m 443.5 601.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 601.5 m 502.5 601.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 601.5 m 561.5 601.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 601.5 m 443.5 601.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 588.5 m 443.5 588.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 586.5 m 443.5 586.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 601.5 m 502.5 601.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 588.5 m 502.5 588.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 586.5 m 502.5 586.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 601.5 m 561.5 601.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 588.5 m 561.5 588.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 586.5 m 561.5 586.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 728.07 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.90 728.18 Td (Y) Tj ET Q q 0 0 0 rg BT 429.57 728.18 Td (ear) Tj ET Q q 0 0 0 rg BT 442.80 728.18 Td ( Ended January 31,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.00 714.06 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 405.50 714.18 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 464.50 714.18 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 523.50 714.18 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 700.07 Td (Store and facility closure and relocation costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.00 700.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.15 700.07 Td (2,381) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.00 700.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.15 700.07 Td (1,089) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.00 700.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 700.07 Td (637) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 686.07 Td (Legal and professional fees and related reserves associated with the exploration of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.50 676.07 Td (strategic alternatives, securities-related litigation and other legal matters) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.15 676.17 Td (1,177) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.65 676.17 Td (101) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 676.17 Td (3,153) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 662.07 Td (Indirect tax audit reserve) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.15 662.07 Td (2,595) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.15 662.07 Td (1,434) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 662.07 Td (2,748) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 648.07 Td (Executive management transition costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.65 648.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.65 648.07 Td (234) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 648.07 Td (1,506) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 634.07 Td (Impairment from disposal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.65 634.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.15 634.07 Td (1,986) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 634.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 620.07 Td (Employee severance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.15 620.07 Td (1,317) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.15 620.07 Td (1,634) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 620.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 606.07 Td (W) Tj ET Q q 0 0 0 rg BT 61.04 606.07 Td (rite-of) Tj ET Q q 0 0 0 rg BT 85.84 606.07 Td (f of capitalized software costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.15 606.07 Td (5,861) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 606.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 606.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.00 592.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.15 592.07 Td (13,331) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.00 592.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.15 592.07 Td (6,478) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.00 592.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 592.07 Td (8,044) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 570.00 Td (During ) Tj ET Q q 0 0 0 rg BT 79.80 570.00 Td (the ) Tj ET Q q 0 0 0 rg BT 93.98 570.00 Td (year ) Tj ET Q q 0 0 0 rg BT 113.15 570.00 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.99 570.00 Td (January31, ) Tj ET Q q 0 0 0 rg BT 187.06 570.00 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.06 570.00 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.52 570.00 Td (we ) Tj ET Q q 0 0 0 rg BT 225.15 570.00 Td (incurred ) Tj ET Q q 0 0 0 rg BT 260.43 570.00 Td (exit ) Tj ET Q q 0 0 0 rg BT 277.39 570.00 Td (costs ) Tj ET Q q 0 0 0 rg BT 299.35 570.00 Td (associated ) Tj ET Q q 0 0 0 rg BT 342.41 570.00 Td (with ) Tj ET Q q 0 0 0 rg BT 362.16 570.00 Td (reducing ) Tj ET Q q 0 0 0 rg BT 399.11 570.00 Td (the ) Tj ET Q q 0 0 0 rg BT 413.29 570.00 Td (square ) Tj ET Q q 0 0 0 rg BT 441.35 570.00 Td (footage ) Tj ET Q q 0 0 0 rg BT 473.30 570.00 Td (of ) Tj ET Q q 0 0 0 rg BT 483.60 570.00 Td (a ) Tj ET Q q 0 0 0 rg BT 490.00 570.00 Td (distribution ) Tj ET Q q 0 0 0 rg BT 538.08 570.00 Td (center ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 558.00 Td (and ) Tj ET Q q 0 0 0 rg BT 66.92 558.00 Td (consolidating ) Tj ET Q q 0 0 0 rg BT 123.78 558.00 Td (our ) Tj ET Q q 0 0 0 rg BT 140.09 558.00 Td (corporate ) Tj ET Q q 0 0 0 rg BT 180.82 558.00 Td (headquarters, ) Tj ET Q q 0 0 0 rg BT 237.38 558.00 Td (severance ) Tj ET Q q 0 0 0 rg BT 279.77 558.00 Td (costs ) Tj ET Q q 0 0 0 rg BT 302.75 558.00 Td (related ) Tj ET Q q 0 0 0 rg BT 332.93 558.00 Td (to ) Tj ET Q q 0 0 0 rg BT 343.69 558.00 Td (a ) Tj ET Q q 0 0 0 rg BT 351.11 558.00 Td (change ) Tj ET Q q 0 0 0 rg BT 382.40 558.00 Td (in ) Tj ET Q q 0 0 0 rg BT 393.16 558.00 Td (the ) Tj ET Q q 0 0 0 rg BT 408.35 558.00 Td (executive ) Tj ET Q q 0 0 0 rg BT 449.64 558.00 Td (management ) Tj ET Q q 0 0 0 rg BT 503.71 558.00 Td (team, ) Tj ET Q q 0 0 0 rg BT 528.62 558.00 Td (a ) Tj ET Q q 0 0 0 rg BT 536.04 558.00 Td (char) Tj ET Q q 0 0 0 rg BT 553.06 558.00 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.00 Td (related ) Tj ET Q q 0 0 0 rg BT 78.59 546.00 Td (to ) Tj ET Q q 0 0 0 rg BT 88.25 546.00 Td (an ) Tj ET Q q 0 0 0 rg BT 99.57 546.00 Td (increase ) Tj ET Q q 0 0 0 rg BT 134.21 546.00 Td (in ) Tj ET Q q 0 0 0 rg BT 143.87 546.00 Td (our ) Tj ET Q q 0 0 0 rg BT 159.08 546.00 Td (indirect ) Tj ET Q q 0 0 0 rg BT 191.51 546.00 Td (tax ) Tj ET Q q 0 0 0 rg BT 205.61 546.00 Td (audit ) Tj ET Q q 0 0 0 rg BT 227.49 546.00 Td (reserve, ) Tj ET Q q 0 0 0 rg BT 260.74 546.00 Td (a) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.18 546.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.06 546.00 Td (loss ) Tj ET Q q 0 0 0 rg BT 284.51 546.00 Td (from ) Tj ET Q q 0 0 0 rg BT 305.83 546.00 Td (the ) Tj ET Q q 0 0 0 rg BT 319.93 546.00 Td (write-of) Tj ET Q q 0 0 0 rg BT 351.96 546.00 Td (f ) Tj ET Q q 0 0 0 rg BT 357.17 546.00 Td (of ) Tj ET Q q 0 0 0 rg BT 367.38 546.00 Td (previously ) Tj ET Q q 0 0 0 rg BT 411.49 546.00 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 456.67 546.00 Td (costs ) Tj ET Q q 0 0 0 rg BT 478.56 546.00 Td (for ) Tj ET Q q 0 0 0 rg BT 492.10 546.00 Td (a ) Tj ET Q q 0 0 0 rg BT 498.42 546.00 Td (software ) Tj ET Q q 0 0 0 rg BT 534.74 546.00 Td (project ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.00 Td (that ) Tj ET Q q 0 0 0 rg BT 67.09 534.00 Td (was ) Tj ET Q q 0 0 0 rg BT 85.24 534.00 Td (abandoned ) Tj ET Q q 0 0 0 rg BT 131.15 534.00 Td (during ) Tj ET Q q 0 0 0 rg BT 159.85 534.00 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 184.10 534.00 Td (year ) Tj ET Q q 0 0 0 rg BT 203.90 534.00 Td (2018 ) Tj ET Q q 0 0 0 rg BT 226.49 534.00 Td (related ) Tj ET Q q 0 0 0 rg BT 256.29 534.00 Td (to ) Tj ET Q q 0 0 0 rg BT 266.66 534.00 Td (the ) Tj ET Q q 0 0 0 rg BT 281.47 534.00 Td (implementation ) Tj ET Q q 0 0 0 rg BT 346.83 534.00 Td (of ) Tj ET Q q 0 0 0 rg BT 357.75 534.00 Td (a ) Tj ET Q q 0 0 0 rg BT 364.79 534.00 Td (new ) Tj ET Q q 0 0 0 rg BT 384.04 534.00 Td (point ) Tj ET Q q 0 0 0 rg BT 407.19 534.00 Td (of ) Tj ET Q q 0 0 0 rg BT 418.12 534.00 Td (sale ) Tj ET Q q 0 0 0 rg BT 436.26 534.00 Td (system ) Tj ET Q q 0 0 0 rg BT 466.63 534.00 Td (that ) Tj ET Q q 0 0 0 rg BT 484.22 534.00 Td (began ) Tj ET Q q 0 0 0 rg BT 510.69 534.00 Td (in ) Tj ET Q q 0 0 0 rg BT 521.06 534.00 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 545.31 534.00 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 519.60 Td (, ) Tj ET Q q 0 0 0 rg BT 75.08 519.60 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.60 519.60 Td (contingency ) Tj ET Q q 0 0 0 rg BT 144.55 519.60 Td (reserves ) Tj ET Q q 0 0 0 rg BT 180.39 519.60 Td (related ) Tj ET Q q 0 0 0 rg BT 210.67 519.60 Td (to ) Tj ET Q q 0 0 0 rg BT 221.53 519.60 Td (legal ) Tj ET Q q 0 0 0 rg BT 244.04 519.60 Td (matters) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 273.48 519.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.17 519.60 Td (During ) Tj ET Q q 0 0 0 rg BT 311.58 519.60 Td (the ) Tj ET Q q 0 0 0 rg BT 326.88 519.60 Td (year ) Tj ET Q q 0 0 0 rg BT 347.17 519.60 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.12 519.60 Td (January31, ) Tj ET Q q 0 0 0 rg BT 423.30 519.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.30 519.60 Td (, ) Tj ET Q q 0 0 0 rg BT 448.88 519.60 Td (we ) Tj ET Q q 0 0 0 rg BT 463.62 519.60 Td (incurred ) Tj ET Q q 0 0 0 rg BT 500.02 519.60 Td (severance ) Tj ET Q q 0 0 0 rg BT 542.51 519.60 Td (costs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (related ) Tj ET Q q 0 0 0 rg BT 78.97 507.60 Td (to ) Tj ET Q q 0 0 0 rg BT 89.02 507.60 Td (a ) Tj ET Q q 0 0 0 rg BT 95.73 507.60 Td (change ) Tj ET Q q 0 0 0 rg BT 126.32 507.60 Td (in ) Tj ET Q q 0 0 0 rg BT 136.37 507.60 Td (the ) Tj ET Q q 0 0 0 rg BT 150.85 507.60 Td (executive ) Tj ET Q q 0 0 0 rg BT 191.43 507.60 Td (management ) Tj ET Q q 0 0 0 rg BT 244.79 507.60 Td (team ) Tj ET Q q 0 0 0 rg BT 266.50 507.60 Td (and ) Tj ET Q q 0 0 0 rg BT 283.21 507.60 Td (impairments ) Tj ET Q q 0 0 0 rg BT 335.47 507.60 Td (from ) Tj ET Q q 0 0 0 rg BT 357.18 507.60 Td (disposals, ) Tj ET Q q 0 0 0 rg BT 398.62 507.60 Td (which ) Tj ET Q q 0 0 0 rg BT 425.33 507.60 Td (included ) Tj ET Q q 0 0 0 rg BT 462.03 507.60 Td (the ) Tj ET Q q 0 0 0 rg BT 476.52 507.60 Td (write-of) Tj ET Q q 0 0 0 rg BT 508.54 507.60 Td (f ) Tj ET Q q 0 0 0 rg BT 514.14 507.60 Td (of ) Tj ET Q q 0 0 0 rg BT 524.74 507.60 Td (leasehold ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (improvements ) Tj ET Q q 0 0 0 rg BT 109.32 495.60 Td (for ) Tj ET Q q 0 0 0 rg BT 123.59 495.60 Td (one ) Tj ET Q q 0 0 0 rg BT 140.64 495.60 Td (store ) Tj ET Q q 0 0 0 rg BT 162.69 495.60 Td (we ) Tj ET Q q 0 0 0 rg BT 176.97 495.60 Td (relocated ) Tj ET Q q 0 0 0 rg BT 216.22 495.60 Td (prior ) Tj ET Q q 0 0 0 rg BT 238.27 495.60 Td (to ) Tj ET Q q 0 0 0 rg BT 248.66 495.60 Td (the ) Tj ET Q q 0 0 0 rg BT 263.49 495.60 Td (end ) Tj ET Q q 0 0 0 rg BT 280.54 495.60 Td (of ) Tj ET Q q 0 0 0 rg BT 291.48 495.60 Td (the ) Tj ET Q q 0 0 0 rg BT 306.30 495.60 Td (useful ) Tj ET Q q 0 0 0 rg BT 333.35 495.60 Td (life ) Tj ET Q q 0 0 0 rg BT 349.29 495.60 Td (of ) Tj ET Q q 0 0 0 rg BT 360.23 495.60 Td (the ) Tj ET Q q 0 0 0 rg BT 375.06 495.60 Td (leasehold ) Tj ET Q q 0 0 0 rg BT 415.44 495.60 Td (improvements ) Tj ET Q q 0 0 0 rg BT 475.26 495.60 Td (and ) Tj ET Q q 0 0 0 rg BT 492.31 495.60 Td (incurred ) Tj ET Q q 0 0 0 rg BT 528.24 495.60 Td (costs ) Tj ET Q q 0 0 0 rg BT 550.85 495.60 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (a ) Tj ET Q q 0 0 0 rg BT 55.51 483.60 Td (terminated ) Tj ET Q q 0 0 0 rg BT 99.84 483.60 Td (store ) Tj ET Q q 0 0 0 rg BT 120.85 483.60 Td (project ) Tj ET Q q 0 0 0 rg BT 150.18 483.60 Td (prior ) Tj ET Q q 0 0 0 rg BT 171.19 483.60 Td (to ) Tj ET Q q 0 0 0 rg BT 180.54 483.60 Td (starting ) Tj ET Q q 0 0 0 rg BT 212.10 483.60 Td (construction. ) Tj ET Q q 0 0 0 rg BT 265.60 483.60 Td ( ) Tj ET Q q 0 0 0 rg BT 267.17 483.60 Td (During ) Tj ET Q q 0 0 0 rg BT 297.07 483.60 Td (the ) Tj ET Q q 0 0 0 rg BT 310.86 483.60 Td (years ) Tj ET Q q 0 0 0 rg BT 333.53 483.60 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.98 483.60 Td (January31, ) Tj ET Q q 0 0 0 rg BT 406.64 483.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.64 483.60 Td ( ) Tj ET Q q 0 0 0 rg BT 428.21 483.60 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.22 483.60 Td (January31, ) Tj ET Q q 0 0 0 rg BT 491.89 483.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.89 483.60 Td (, ) Tj ET Q q 0 0 0 rg BT 515.96 483.60 Td (we ) Tj ET Q q 0 0 0 rg BT 529.19 483.60 Td (incurred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (legal ) Tj ET Q q 0 0 0 rg BT 70.99 471.60 Td (and ) Tj ET Q q 0 0 0 rg BT 87.49 471.60 Td (professional ) Tj ET Q q 0 0 0 rg BT 138.42 471.60 Td (fees ) Tj ET Q q 0 0 0 rg BT 156.58 471.60 Td (related ) Tj ET Q q 0 0 0 rg BT 185.84 471.60 Td (to ) Tj ET Q q 0 0 0 rg BT 195.67 471.60 Td (the ) Tj ET Q q 0 0 0 rg BT 209.94 471.60 Td (exploration ) Tj ET Q q 0 0 0 rg BT 257.54 471.60 Td (of ) Tj ET Q q 0 0 0 rg BT 267.93 471.60 Td (strategic ) Tj ET Q q 0 0 0 rg BT 303.86 471.60 Td (alternatives ) Tj ET Q q 0 0 0 rg BT 352.01 471.60 Td (and ) Tj ET Q q 0 0 0 rg BT 368.50 471.60 Td (securities-related ) Tj ET Q q 0 0 0 rg BT 438.85 471.60 Td (litigation, ) Tj ET Q q 0 0 0 rg BT 479.52 471.60 Td (costs ) Tj ET Q q 0 0 0 rg BT 501.58 471.60 Td (associated ) Tj ET Q q 0 0 0 rg BT 544.73 471.60 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (store ) Tj ET Q q 0 0 0 rg BT 71.22 459.60 Td (and ) Tj ET Q q 0 0 0 rg BT 87.94 459.60 Td (facility ) Tj ET Q q 0 0 0 rg BT 118.54 459.60 Td (closures ) Tj ET Q q 0 0 0 rg BT 153.58 459.60 Td (and ) Tj ET Q q 0 0 0 rg BT 170.30 459.60 Td (relocations, ) Tj ET Q q 0 0 0 rg BT 218.95 459.60 Td (char) Tj ET Q q 0 0 0 rg BT 235.98 459.60 Td (ges ) Tj ET Q q 0 0 0 rg BT 251.59 459.60 Td (related ) Tj ET Q q 0 0 0 rg BT 281.07 459.60 Td (to ) Tj ET Q q 0 0 0 rg BT 291.13 459.60 Td (increases ) Tj ET Q q 0 0 0 rg BT 330.05 459.60 Td (in ) Tj ET Q q 0 0 0 rg BT 340.11 459.60 Td (our ) Tj ET Q q 0 0 0 rg BT 355.72 459.60 Td (indirect ) Tj ET Q q 0 0 0 rg BT 388.54 459.60 Td (tax ) Tj ET Q q 0 0 0 rg BT 403.04 459.60 Td (audit ) Tj ET Q q 0 0 0 rg BT 425.31 459.60 Td (reserve, ) Tj ET Q q 0 0 0 rg BT 458.96 459.60 Td (and ) Tj ET Q q 0 0 0 rg BT 475.67 459.60 Td (transition ) Tj ET Q q 0 0 0 rg BT 515.73 459.60 Td (costs ) Tj ET Q q 0 0 0 rg BT 538.01 459.60 Td (due ) Tj ET Q q 0 0 0 rg BT 554.72 459.60 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (changes ) Tj ET Q q 0 0 0 rg BT 84.21 447.60 Td (in ) Tj ET Q q 0 0 0 rg BT 94.49 447.60 Td (the ) Tj ET Q q 0 0 0 rg BT 109.20 447.60 Td (executive ) Tj ET Q q 0 0 0 rg BT 150.01 447.60 Td (management ) Tj ET Q q 0 0 0 rg BT 203.60 447.60 Td (team. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 429.60 Td (5. ) Tj ET Q q 0 0 0 rg BT 67.50 429.60 Td (Finance Charges and Other) Tj ET Q q 0 0 0 rg BT 185.93 429.60 Td ( Revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (Finance ) Tj ET Q q 0 0 0 rg BT 83.66 411.60 Td (char) Tj ET Q q 0 0 0 rg BT 100.68 411.60 Td (ges ) Tj ET Q q 0 0 0 rg BT 116.51 411.60 Td (and ) Tj ET Q q 0 0 0 rg BT 133.45 411.60 Td (other ) Tj ET Q q 0 0 0 rg BT 156.50 411.60 Td (revenues ) Tj ET Q q 0 0 0 rg BT 194.53 411.60 Td (consisted ) Tj ET Q q 0 0 0 rg BT 234.25 411.60 Td (of ) Tj ET Q q 0 0 0 rg BT 245.08 411.60 Td (the ) Tj ET Q q 0 0 0 rg BT 259.80 411.60 Td (following:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 365.10 339.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 365.10 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 365.10 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 365.10 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 365.10 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 365.10 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 335.10 339.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 335.10 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 335.10 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 335.10 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 335.10 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 335.10 55.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 380.1 m 443.5 380.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 380.1 m 447.5 380.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 380.1 m 502.5 380.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 380.1 m 506.5 380.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 380.1 m 561.5 380.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 365.1 m 443.5 365.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 365.1 m 502.5 365.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 365.1 m 561.5 365.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 320.1 m 443.5 320.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 306.1 m 443.5 306.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 304.1 m 443.5 304.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 320.1 m 502.5 320.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 306.1 m 502.5 306.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 304.1 m 502.5 304.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 320.1 m 561.5 320.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 306.1 m 561.5 306.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 304.1 m 561.5 304.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.00 384.77 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 424.00 384.78 Td (Y) Tj ET Q q 0 0 0 rg BT 430.67 384.78 Td (ear) Tj ET Q q 0 0 0 rg BT 443.90 384.78 Td ( ended January 31,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.00 369.81 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 405.50 369.78 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 464.50 369.78 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 523.50 369.78 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 354.77 Td (Interest income and fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.00 354.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.15 354.77 Td (289,005) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.00 354.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 354.77 Td (238,386) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.00 354.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.15 354.77 Td (238,161) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 339.77 Td (Insurance income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.15 339.77 Td (34,718) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.15 339.77 Td (42,422) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 339.77 Td (50,789) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 324.77 Td (Other revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.65 324.77 Td (341) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.15 324.77 Td (1,569) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 324.77 Td (1,639) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 309.77 Td (T) Tj ET Q q 0 0 0 rg BT 63.41 309.77 Td (otal finance char) Tj ET Q q 0 0 0 rg BT 129.86 309.77 Td (ges and other revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.00 309.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.15 309.77 Td (324,064) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.00 309.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 309.77 Td (282,377) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.00 309.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.15 309.77 Td (290,589) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.00 305.60 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 287.60 Td (Interest ) Tj ET Q q 0 0 0 rg BT 81.47 287.60 Td (income ) Tj ET Q q 0 0 0 rg BT 112.89 287.60 Td (and ) Tj ET Q q 0 0 0 rg BT 129.31 287.60 Td (fees ) Tj ET Q q 0 0 0 rg BT 147.40 287.60 Td (and ) Tj ET Q q 0 0 0 rg BT 163.82 287.60 Td (insurance ) Tj ET Q q 0 0 0 rg BT 204.12 287.60 Td (income ) Tj ET Q q 0 0 0 rg BT 235.54 287.60 Td (are ) Tj ET Q q 0 0 0 rg BT 249.73 287.60 Td (derived ) Tj ET Q q 0 0 0 rg BT 281.70 287.60 Td (from ) Tj ET Q q 0 0 0 rg BT 303.12 287.60 Td (the ) Tj ET Q q 0 0 0 rg BT 317.32 287.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 342.07 287.60 Td (segment ) Tj ET Q q 0 0 0 rg BT 377.38 287.60 Td (operations, ) Tj ET Q q 0 0 0 rg BT 423.52 287.60 Td (whereas ) Tj ET Q q 0 0 0 rg BT 458.27 287.60 Td (other ) Tj ET Q q 0 0 0 rg BT 480.80 287.60 Td (revenues ) Tj ET Q q 0 0 0 rg BT 518.32 287.60 Td (are ) Tj ET Q q 0 0 0 rg BT 532.51 287.60 Td (derived ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 275.60 Td (from ) Tj ET Q q 0 0 0 rg BT 71.83 275.60 Td (the ) Tj ET Q q 0 0 0 rg BT 86.95 275.60 Td (retail ) Tj ET Q q 0 0 0 rg BT 110.38 275.60 Td (segment ) Tj ET Q q 0 0 0 rg BT 146.60 275.60 Td (operations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.66 275.60 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 235.42 275.60 Td (income ) Tj ET Q q 0 0 0 rg BT 267.75 275.60 Td (is ) Tj ET Q q 0 0 0 rg BT 277.31 275.60 Td (comprised ) Tj ET Q q 0 0 0 rg BT 321.86 275.60 Td (of ) Tj ET Q q 0 0 0 rg BT 333.09 275.60 Td (sales ) Tj ET Q q 0 0 0 rg BT 355.42 275.60 Td (commissions ) Tj ET Q q 0 0 0 rg BT 410.54 275.60 Td (from ) Tj ET Q q 0 0 0 rg BT 432.88 275.60 Td (third-party ) Tj ET Q q 0 0 0 rg BT 478.54 275.60 Td (insurance ) Tj ET Q q 0 0 0 rg BT 519.75 275.60 Td (companies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 263.60 Td (that ) Tj ET Q q 0 0 0 rg BT 66.65 263.60 Td (are ) Tj ET Q q 0 0 0 rg BT 81.02 263.60 Td (recognized ) Tj ET Q q 0 0 0 rg BT 127.04 263.60 Td (when ) Tj ET Q q 0 0 0 rg BT 150.85 263.60 Td (coverage ) Tj ET Q q 0 0 0 rg BT 189.09 263.60 Td (is ) Tj ET Q q 0 0 0 rg BT 197.92 263.60 Td (sold ) Tj ET Q q 0 0 0 rg BT 216.75 263.60 Td (and ) Tj ET Q q 0 0 0 rg BT 233.34 263.60 Td (retrospective ) Tj ET Q q 0 0 0 rg BT 287.14 263.60 Td (commissions ) Tj ET Q q 0 0 0 rg BT 341.53 263.60 Td (paid ) Tj ET Q q 0 0 0 rg BT 360.90 263.60 Td (by ) Tj ET Q q 0 0 0 rg BT 373.06 263.60 Td (the ) Tj ET Q q 0 0 0 rg BT 387.43 263.60 Td (insurance ) Tj ET Q q 0 0 0 rg BT 427.90 263.60 Td (carrier ) Tj ET Q q 0 0 0 rg BT 456.15 263.60 Td (if ) Tj ET Q q 0 0 0 rg BT 464.41 263.60 Td (insurance ) Tj ET Q q 0 0 0 rg BT 504.88 263.60 Td (claims ) Tj ET Q q 0 0 0 rg BT 533.14 263.60 Td (are ) Tj ET Q q 0 0 0 rg BT 547.51 263.60 Td (less ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 251.60 Td (than ) Tj ET Q q 0 0 0 rg BT 69.22 251.60 Td (earned ) Tj ET Q q 0 0 0 rg BT 98.36 251.60 Td (premiums.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.86 251.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 227.60 Td (For ) Tj ET Q q 0 0 0 rg BT 66.13 227.60 Td (the ) Tj ET Q q 0 0 0 rg BT 81.08 227.60 Td (years ) Tj ET Q q 0 0 0 rg BT 104.92 227.60 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.53 227.60 Td (January31, ) Tj ET Q q 0 0 0 rg BT 180.37 227.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.37 227.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.60 227.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.60 227.60 Td ( ) Tj ET Q q 0 0 0 rg BT 228.34 227.60 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.52 227.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.52 227.60 Td (, ) Tj ET Q q 0 0 0 rg BT 270.75 227.60 Td (interest ) Tj ET Q q 0 0 0 rg BT 302.92 227.60 Td (income ) Tj ET Q q 0 0 0 rg BT 335.09 227.60 Td (and ) Tj ET Q q 0 0 0 rg BT 352.27 227.60 Td (fees ) Tj ET Q q 0 0 0 rg BT 371.10 227.60 Td (reflected ) Tj ET Q q 0 0 0 rg BT 408.81 227.60 Td (provisions ) Tj ET Q q 0 0 0 rg BT 453.22 227.60 Td (for ) Tj ET Q q 0 0 0 rg BT 467.62 227.60 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 522.00 227.60 Td (interest ) Tj ET Q q 0 0 0 rg BT 554.17 227.60 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 215.60 Td ($44.8 ) Tj ET Q q 0 0 0 rg BT 75.20 215.60 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.09 215.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.79 215.60 Td ($40.6 ) Tj ET Q q 0 0 0 rg BT 135.48 215.60 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.38 215.60 Td ( ) Tj ET Q q 0 0 0 rg BT 167.57 215.60 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.21 215.60 Td ($36.7 ) Tj ET Q q 0 0 0 rg BT 210.91 215.60 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.80 215.60 Td (, ) Tj ET Q q 0 0 0 rg BT 245.49 215.60 Td (respectively) Tj ET Q q 0 0 0 rg BT 293.16 215.60 Td (. ) Tj ET Q q 0 0 0 rg BT 298.62 215.60 Td (The ) Tj ET Q q 0 0 0 rg BT 317.37 215.60 Td (amount ) Tj ET Q q 0 0 0 rg BT 350.56 215.60 Td (included ) Tj ET Q q 0 0 0 rg BT 388.19 215.60 Td (in ) Tj ET Q q 0 0 0 rg BT 399.16 215.60 Td (interest ) Tj ET Q q 0 0 0 rg BT 431.79 215.60 Td (income ) Tj ET Q q 0 0 0 rg BT 464.43 215.60 Td (and ) Tj ET Q q 0 0 0 rg BT 482.06 215.60 Td (fees ) Tj ET Q q 0 0 0 rg BT 501.36 215.60 Td (related ) Tj ET Q q 0 0 0 rg BT 531.76 215.60 Td (to ) Tj ET Q q 0 0 0 rg BT 542.50 215.60 Td (TDR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 203.60 Td (accounts ) Tj ET Q q 0 0 0 rg BT 86.79 203.60 Td (for ) Tj ET Q q 0 0 0 rg BT 100.75 203.60 Td (the ) Tj ET Q q 0 0 0 rg BT 115.27 203.60 Td (years ) Tj ET Q q 0 0 0 rg BT 138.67 203.60 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.85 203.60 Td (January31, ) Tj ET Q q 0 0 0 rg BT 213.25 203.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.25 203.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.05 203.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.05 203.60 Td ( ) Tj ET Q q 0 0 0 rg BT 260.35 203.60 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.10 203.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.10 203.60 Td ( ) Tj ET Q q 0 0 0 rg BT 299.40 203.60 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.37 203.60 Td ($19.3 ) Tj ET Q q 0 0 0 rg BT 333.17 203.60 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.06 203.60 Td ( ) Tj ET Q q 0 0 0 rg BT 364.37 203.60 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.11 203.60 Td ($17.3 ) Tj ET Q q 0 0 0 rg BT 405.91 203.60 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.80 203.60 Td ( ) Tj ET Q q 0 0 0 rg BT 437.10 203.60 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.84 203.60 Td ($14.0 ) Tj ET Q q 0 0 0 rg BT 478.65 203.60 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.54 203.60 Td (, ) Tj ET Q q 0 0 0 rg BT 512.34 203.60 Td (respectively) Tj ET Q q 0 0 0 rg BT 560.00 203.60 Td (. ) Tj ET Q endstream endobj 151 0 obj <>] /Rotate 0 /Contents 152 0 R>> endobj 152 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (74) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 731.25 Td (6. ) Tj ET Q q 0 0 0 rg BT 67.50 731.25 Td (Debt and Capital Lease Obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 713.25 Td (Debt ) Tj ET Q q 0 0 0 rg BT 71.44 713.25 Td (and ) Tj ET Q q 0 0 0 rg BT 88.38 713.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 117.53 713.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 140.01 713.25 Td (obligations ) Tj ET Q q 0 0 0 rg BT 186.96 713.25 Td (consisted ) Tj ET Q q 0 0 0 rg BT 226.67 713.25 Td (of ) Tj ET Q q 0 0 0 rg BT 237.50 713.25 Td (the ) Tj ET Q q 0 0 0 rg BT 252.22 713.25 Td (following:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 666.75 378.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 666.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 666.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 666.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 634.75 378.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 634.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 634.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 634.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 604.75 378.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 604.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 604.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 604.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 574.75 378.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 574.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 574.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 574.75 65.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.00 544.75 378.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 428.00 544.75 65.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 493.00 544.75 4.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 497.00 544.75 65.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.00 514.75 378.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 428.00 514.75 65.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 493.00 514.75 4.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 497.00 514.75 65.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.00 484.75 378.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 428.00 484.75 65.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 493.00 484.75 4.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 497.00 484.75 65.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.00 454.75 378.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 428.00 454.75 65.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 493.00 454.75 4.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 497.00 454.75 65.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.00 424.75 378.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 428.00 424.75 65.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 493.00 424.75 4.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 497.00 424.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 394.75 378.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 394.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 394.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 394.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 364.75 378.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 364.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 364.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 364.75 65.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 681.75 m 493 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 681.75 m 497 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 681.75 m 562 681.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 666.75 m 493 666.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 666.75 m 562 666.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 666.75 m 562 666.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 424.75 m 493 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 424.75 m 562 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 349.75 m 493 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 335.75 m 493 335.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 333.75 m 493 333.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 349.75 m 562 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 335.75 m 562 335.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 333.75 m 562 333.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.50 686.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 469.20 686.43 Td (January 31,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 671.46 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.00 671.43 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 519.00 671.43 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 656.42 Td (Revolving credit facility) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 656.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 656.42 Td (77,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 656.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 656.42 Td (177,500) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 639.42 Td (Senior Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.65 639.42 Td (227,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 639.42 Td (227,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 624.42 Td (2015 ) Tj ET Q q 0 0 0 rg BT 74.91 624.42 Td (VIE ) Tj ET Q q 0 0 0 rg BT 93.70 624.42 Td (Asset-backed Class ) Tj ET Q q 0 0 0 rg BT 173.69 624.42 Td (A) Tj ET Q q 0 0 0 rg BT 180.36 624.42 Td ( Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 624.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 624.42 Td (12,166) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 609.42 Td (2015 ) Tj ET Q q 0 0 0 rg BT 74.91 609.42 Td (VIE ) Tj ET Q q 0 0 0 rg BT 93.70 609.42 Td (Asset-backed Class B Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 609.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 609.42 Td (165,900) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 594.42 Td (2016-A) Tj ET Q q 0 0 0 rg BT 82.78 594.42 Td ( ) Tj ET Q q 0 0 0 rg BT 84.91 594.42 Td (VIE ) Tj ET Q q 0 0 0 rg BT 103.70 594.42 Td (Asset-backed Class ) Tj ET Q q 0 0 0 rg BT 183.69 594.42 Td (A) Tj ET Q q 0 0 0 rg BT 190.36 594.42 Td ( Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 594.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 594.42 Td (64,732) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 579.42 Td (2016-A) Tj ET Q q 0 0 0 rg BT 82.78 579.42 Td ( ) Tj ET Q q 0 0 0 rg BT 84.91 579.42 Td (VIE ) Tj ET Q q 0 0 0 rg BT 103.70 579.42 Td (Asset-backed Class B Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 579.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 579.42 Td (70,510) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 564.42 Td (2016-A) Tj ET Q q 0 0 0 rg BT 82.78 564.42 Td ( ) Tj ET Q q 0 0 0 rg BT 84.91 564.42 Td (VIE ) Tj ET Q q 0 0 0 rg BT 103.70 564.42 Td (Asset-backed Class C Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 564.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 564.42 Td (70,510) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 549.42 Td (2016-B ) Tj ET Q q 0 0 0 rg BT 84.91 549.42 Td (VIE ) Tj ET Q q 0 0 0 rg BT 103.70 549.42 Td (Asset-backed Class ) Tj ET Q q 0 0 0 rg BT 183.69 549.42 Td (A) Tj ET Q q 0 0 0 rg BT 190.36 549.42 Td ( Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 549.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 549.42 Td (256,513) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 534.42 Td (2016-B ) Tj ET Q q 0 0 0 rg BT 84.91 534.42 Td (VIE ) Tj ET Q q 0 0 0 rg BT 103.70 534.42 Td (Asset-backed Class B Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 534.42 Td (73,589) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 534.42 Td (1) Tj ET Q q 0 0 0 rg BT 530.65 534.42 Td (1) Tj ET Q q 0 0 0 rg BT 535.65 534.42 Td (1,960) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 519.42 Td (2017-A) Tj ET Q q 0 0 0 rg BT 82.78 519.42 Td ( ) Tj ET Q q 0 0 0 rg BT 84.91 519.42 Td (VIE ) Tj ET Q q 0 0 0 rg BT 103.70 519.42 Td (Asset-backed Class ) Tj ET Q q 0 0 0 rg BT 183.69 519.42 Td (A) Tj ET Q q 0 0 0 rg BT 190.36 519.42 Td ( Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 519.42 Td (59,794) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 519.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 504.42 Td (2017-A) Tj ET Q q 0 0 0 rg BT 82.78 504.42 Td ( ) Tj ET Q q 0 0 0 rg BT 84.91 504.42 Td (VIE ) Tj ET Q q 0 0 0 rg BT 103.70 504.42 Td (Asset-backed Class B Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.65 504.42 Td (106,270) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 504.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 489.42 Td (2017-A) Tj ET Q q 0 0 0 rg BT 82.78 489.42 Td ( ) Tj ET Q q 0 0 0 rg BT 84.91 489.42 Td (VIE ) Tj ET Q q 0 0 0 rg BT 103.70 489.42 Td (Asset-backed Class C Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 489.42 Td (50,340) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 489.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 474.42 Td (2017-B ) Tj ET Q q 0 0 0 rg BT 84.91 474.42 Td (VIE ) Tj ET Q q 0 0 0 rg BT 103.70 474.42 Td (Asset-backed Class ) Tj ET Q q 0 0 0 rg BT 183.69 474.42 Td (A) Tj ET Q q 0 0 0 rg BT 190.36 474.42 Td ( Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.65 474.42 Td (292,663) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 474.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 459.42 Td (2017-B ) Tj ET Q q 0 0 0 rg BT 84.91 459.42 Td (VIE ) Tj ET Q q 0 0 0 rg BT 103.70 459.42 Td (Asset-backed Class B Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.65 459.42 Td (132,180) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 459.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 444.42 Td (2017-B ) Tj ET Q q 0 0 0 rg BT 84.91 444.42 Td (VIE ) Tj ET Q q 0 0 0 rg BT 103.70 444.42 Td (Asset-backed Class C Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 444.42 Td (78,640) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 444.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 429.42 Td (Capital lease obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 429.42 Td (4,949) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 429.42 Td (2,393) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 414.42 Td (T) Tj ET Q q 0 0 0 rg BT 64.26 414.42 Td (otal debt and capital lease obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 414.42 Td (1,102,425) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.15 414.42 Td (1,159,184) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 399.42 Td (Less:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 384.42 Td (Discount on debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.30 384.47 Td (\(2,527) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 384.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 384.47 Td (\(3,089) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 384.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 369.42 Td (Deferred debt issuance costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.30 369.47 Td (\(8,886) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 369.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.30 369.47 Td (\(10,853) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 369.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 354.42 Td (Current maturities of capital lease obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.80 354.47 Td (\(907) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 354.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 354.47 Td (\(849) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 354.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.50 339.42 Td (Long-term debt and capital lease obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 339.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 339.42 Td (1,090,105) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 339.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.15 339.42 Td (1,144,393) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 317.25 Td (Future ) Tj ET Q q 0 0 0 rg BT 78.35 317.25 Td (maturities ) Tj ET Q q 0 0 0 rg BT 121.07 317.25 Td (of ) Tj ET Q q 0 0 0 rg BT 132.14 317.25 Td (debt, ) Tj ET Q q 0 0 0 rg BT 154.59 317.25 Td (excluding ) Tj ET Q q 0 0 0 rg BT 196.76 317.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 226.15 317.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 248.87 317.25 Td (obligations ) Tj ET Q q 0 0 0 rg BT 296.05 317.25 Td (and ) Tj ET Q q 0 0 0 rg BT 313.23 317.25 Td (the ) Tj ET Q q 0 0 0 rg BT 328.18 317.25 Td (annual ) Tj ET Q q 0 0 0 rg BT 357.57 317.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 398.64 317.25 Td (contractually ) Tj ET Q q 0 0 0 rg BT 453.57 317.25 Td (required ) Tj ET Q q 0 0 0 rg BT 489.62 317.25 Td (on ) Tj ET Q q 0 0 0 rg BT 502.36 317.25 Td (the ) Tj ET Q q 0 0 0 rg BT 516.71 317.25 Td (ABS ) Tj ET Q q 0 0 0 rg BT 538.90 317.25 Td (notes, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 305.25 Td (as ) Tj ET Q q 0 0 0 rg BT 60.33 305.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.16 305.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 119.76 305.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.76 305.25 Td ( ) Tj ET Q q 0 0 0 rg BT 142.26 305.25 Td (are ) Tj ET Q q 0 0 0 rg BT 156.97 305.25 Td (as ) Tj ET Q q 0 0 0 rg BT 167.80 305.25 Td (follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 273.75 447.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 273.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 243.75 447.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 243.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 213.75 447.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 213.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 183.75 447.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 183.75 65.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 183.75 m 561.5 183.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 169.75 m 561.5 169.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 167.75 m 561.5 167.75 l s BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.00 278.46 Td (\(in thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 278.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 263.43 Td (Y) Tj ET Q q 0 0 0 rg BT 58.11 263.43 Td (ear) Tj ET Q q 0 0 0 rg BT 71.81 263.43 Td ( ended January 31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 263.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 248.42 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 248.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 248.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 233.42 Td (2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.15 233.42 Td (210,383) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 218.42 Td (2021) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.15 218.42 Td (398,933) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 203.42 Td (2022) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.15 203.42 Td (182,520) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 188.42 Td (2023) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.15 188.42 Td (305,640) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 173.42 Td (T) Tj ET Q q 0 0 0 rg BT 75.41 173.42 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 173.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.65 173.42 Td (1,097,476) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 151.25 Td (Senior ) Tj ET Q q 0 0 0 rg BT 78.92 151.25 Td (Notes. ) Tj ET Q q 0 0 0 rg BT 106.93 151.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.12 151.25 Td (On ) Tj ET Q q 0 0 0 rg BT 123.52 151.25 Td (July ) Tj ET Q q 0 0 0 rg BT 142.38 151.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 152.06 151.25 Td (2014, ) Tj ET Q q 0 0 0 rg BT 176.75 151.25 Td (we ) Tj ET Q q 0 0 0 rg BT 190.59 151.25 Td (issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.78 151.25 Td ($250.0 ) Tj ET Q q 0 0 0 rg BT 247.46 151.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.36 151.25 Td ( ) Tj ET Q q 0 0 0 rg BT 278.54 151.25 Td (of ) Tj ET Q q 0 0 0 rg BT 289.06 151.25 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 331.78 151.25 Td (Senior ) Tj ET Q q 0 0 0 rg BT 360.07 151.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 385.59 151.25 Td (due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.21 151.25 Td (July ) Tj ET Q q 0 0 0 rg BT 421.06 151.25 Td (2022) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.06 151.25 Td ( ) Tj ET Q q 0 0 0 rg BT 443.25 151.25 Td (bearing ) Tj ET Q q 0 0 0 rg BT 475.42 151.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 507.04 151.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.44 151.25 Td (7.25%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.27 151.25 Td (, ) Tj ET Q q 0 0 0 rg BT 546.96 151.25 Td (\(the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 139.25 Td ("Senior ) Tj ET Q q 0 0 0 rg BT 82.88 139.25 Td (Notes"\) ) Tj ET Q q 0 0 0 rg BT 116.80 139.25 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 154.43 139.25 Td (to ) Tj ET Q q 0 0 0 rg BT 165.39 139.25 Td (an ) Tj ET Q q 0 0 0 rg BT 178.01 139.25 Td (indenture ) Tj ET Q q 0 0 0 rg BT 218.96 139.25 Td (dated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.80 139.25 Td (July1, ) Tj ET Q q 0 0 0 rg BT 273.66 139.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.66 139.25 Td ( ) Tj ET Q q 0 0 0 rg BT 296.84 139.25 Td (\(as ) Tj ET Q q 0 0 0 rg BT 311.69 139.25 Td (amended, ) Tj ET Q q 0 0 0 rg BT 353.47 139.25 Td (the ) Tj ET Q q 0 0 0 rg BT 368.87 139.25 Td ("Indenture"\), ) Tj ET Q q 0 0 0 rg BT 424.36 139.25 Td (among ) Tj ET Q q 0 0 0 rg BT 454.76 139.25 Td (Conn's, ) Tj ET Q q 0 0 0 rg BT 487.81 139.25 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 508.77 139.25 Td (its ) Tj ET Q q 0 0 0 rg BT 521.40 139.25 Td (subsidiary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 127.25 Td (guarantors ) Tj ET Q q 0 0 0 rg BT 94.04 127.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 111.92 127.25 Td ("Guarantors"\) ) Tj ET Q q 0 0 0 rg BT 170.18 127.25 Td (and ) Tj ET Q q 0 0 0 rg BT 186.95 127.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 207.06 127.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 230.50 127.25 Td (National ) Tj ET Q q 0 0 0 rg BT 266.76 127.25 Td (Association, ) Tj ET Q q 0 0 0 rg BT 318.81 127.25 Td (as ) Tj ET Q q 0 0 0 rg BT 329.47 127.25 Td (trustee. ) Tj ET Q q 0 0 0 rg BT 360.79 127.25 Td (The ) Tj ET Q q 0 0 0 rg BT 378.67 127.25 Td (ef) Tj ET Q q 0 0 0 rg BT 386.26 127.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 415.79 127.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 447.56 127.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 464.88 127.25 Td (of ) Tj ET Q q 0 0 0 rg BT 475.54 127.25 Td (the ) Tj ET Q q 0 0 0 rg BT 490.09 127.25 Td (Senior ) Tj ET Q q 0 0 0 rg BT 518.53 127.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 544.19 127.25 Td (after ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 115.25 Td (giving ) Tj ET Q q 0 0 0 rg BT 77.56 115.25 Td (ef) Tj ET Q q 0 0 0 rg BT 85.14 115.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 102.63 115.25 Td (to ) Tj ET Q q 0 0 0 rg BT 112.91 115.25 Td (the ) Tj ET Q q 0 0 0 rg BT 127.63 115.25 Td (discount ) Tj ET Q q 0 0 0 rg BT 164.01 115.25 Td (and ) Tj ET Q q 0 0 0 rg BT 180.95 115.25 Td (issuance ) Tj ET Q q 0 0 0 rg BT 217.33 115.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 239.83 115.25 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.00 115.25 Td (7.8%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.83 115.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 97.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.48 97.25 Td (Indenture ) Tj ET Q q 0 0 0 rg BT 108.23 97.25 Td (restricts ) Tj ET Q q 0 0 0 rg BT 142.31 97.25 Td (the ) Tj ET Q q 0 0 0 rg BT 156.96 97.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 203.97 97.25 Td (and ) Tj ET Q q 0 0 0 rg BT 220.84 97.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 250.48 97.25 Td (of ) Tj ET Q q 0 0 0 rg BT 261.24 97.25 Td (its ) Tj ET Q q 0 0 0 rg BT 273.12 97.25 Td (subsidiaries' ) Tj ET Q q 0 0 0 rg BT 324.57 97.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 352.55 97.25 Td (to: ) Tj ET Q q 0 0 0 rg BT 365.54 97.25 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 377.41 97.25 Td (incur ) Tj ET Q q 0 0 0 rg BT 400.39 97.25 Td (indebtedness; ) Tj ET Q q 0 0 0 rg BT 457.25 97.25 Td (\(ii\) ) Tj ET Q q 0 0 0 rg BT 471.90 97.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 488.77 97.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 530.09 97.25 Td (or ) Tj ET Q q 0 0 0 rg BT 540.85 97.25 Td (make ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 85.25 Td (other ) Tj ET Q q 0 0 0 rg BT 71.40 85.25 Td (distributions ) Tj ET Q q 0 0 0 rg BT 122.75 85.25 Td (in ) Tj ET Q q 0 0 0 rg BT 131.88 85.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 161.55 85.25 Td (of, ) Tj ET Q q 0 0 0 rg BT 173.73 85.25 Td (or ) Tj ET Q q 0 0 0 rg BT 183.41 85.25 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 228.06 85.25 Td (or ) Tj ET Q q 0 0 0 rg BT 237.74 85.25 Td (redeem, ) Tj ET Q q 0 0 0 rg BT 271.02 85.25 Td (our ) Tj ET Q q 0 0 0 rg BT 285.70 85.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 313.70 85.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 336.16 85.25 Td (\("restricted ) Tj ET Q q 0 0 0 rg BT 382.12 85.25 Td (payments"\); ) Tj ET Q q 0 0 0 rg BT 431.99 85.25 Td (\(iii\) ) Tj ET Q q 0 0 0 rg BT 448.33 85.25 Td (prepay) Tj ET Q q 0 0 0 rg BT 474.89 85.25 Td (, ) Tj ET Q q 0 0 0 rg BT 478.74 85.25 Td (redeem ) Tj ET Q q 0 0 0 rg BT 509.51 85.25 Td (or ) Tj ET Q q 0 0 0 rg BT 519.19 85.25 Td (repurchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 73.25 Td (debt ) Tj ET Q q 0 0 0 rg BT 69.41 73.25 Td (that ) Tj ET Q q 0 0 0 rg BT 87.11 73.25 Td (is ) Tj ET Q q 0 0 0 rg BT 96.47 73.25 Td (junior ) Tj ET Q q 0 0 0 rg BT 123.06 73.25 Td (in ) Tj ET Q q 0 0 0 rg BT 133.53 73.25 Td (right ) Tj ET Q q 0 0 0 rg BT 155.11 73.25 Td (of ) Tj ET Q q 0 0 0 rg BT 166.14 73.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 203.27 73.25 Td (to ) Tj ET Q q 0 0 0 rg BT 213.75 73.25 Td (the ) Tj ET Q q 0 0 0 rg BT 228.66 73.25 Td (notes; ) Tj ET Q q 0 0 0 rg BT 255.24 73.25 Td (\(iv\) ) Tj ET Q q 0 0 0 rg BT 272.38 73.25 Td (make ) Tj ET Q q 0 0 0 rg BT 296.73 73.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 320.54 73.25 Td (and ) Tj ET Q q 0 0 0 rg BT 337.67 73.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 367.57 73.25 Td (investments; ) Tj ET Q q 0 0 0 rg BT 420.82 73.25 Td (\(v\) ) Tj ET Q q 0 0 0 rg BT 435.18 73.25 Td (sell ) Tj ET Q q 0 0 0 rg BT 451.76 73.25 Td (assets; ) Tj ET Q q 0 0 0 rg BT 480.56 73.25 Td (\(vi\) ) Tj ET Q q 0 0 0 rg BT 497.70 73.25 Td (incur ) Tj ET Q q 0 0 0 rg BT 520.94 73.25 Td (liens; ) Tj ET Q q 0 0 0 rg BT 545.31 73.25 Td (\(vii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 61.25 Td (enter ) Tj ET Q q 0 0 0 rg BT 71.61 61.25 Td (into ) Tj ET Q q 0 0 0 rg BT 89.30 61.25 Td (transactions ) Tj ET Q q 0 0 0 rg BT 139.19 61.25 Td (with ) Tj ET Q q 0 0 0 rg BT 159.10 61.25 Td (af) Tj ET Q q 0 0 0 rg BT 166.69 61.25 Td (filiates; ) Tj ET Q q 0 0 0 rg BT 198.81 61.25 Td (and ) Tj ET Q q 0 0 0 rg BT 215.37 61.25 Td (\(viii\) ) Tj ET Q q 0 0 0 rg BT 237.50 61.25 Td (consolidate, ) Tj ET Q q 0 0 0 rg BT 287.67 61.25 Td (mer) Tj ET Q q 0 0 0 rg BT 303.04 61.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 314.60 61.25 Td (or ) Tj ET Q q 0 0 0 rg BT 325.06 61.25 Td (sell ) Tj ET Q q 0 0 0 rg BT 341.08 61.25 Td (all ) Tj ET Q q 0 0 0 rg BT 353.20 61.25 Td (or ) Tj ET Q q 0 0 0 rg BT 363.66 61.25 Td (substantially ) Tj ET Q q 0 0 0 rg BT 416.34 61.25 Td (all ) Tj ET Q q 0 0 0 rg BT 428.46 61.25 Td (of ) Tj ET Q q 0 0 0 rg BT 438.92 61.25 Td (our ) Tj ET Q q 0 0 0 rg BT 454.38 61.25 Td (assets. ) Tj ET Q q 0 0 0 rg BT 482.19 61.25 Td (These ) Tj ET Q q 0 0 0 rg BT 508.19 61.25 Td (covenants ) Tj ET Q q 0 0 0 rg BT 550.31 61.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 49.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 80.19 49.25 Td (to ) Tj ET Q q 0 0 0 rg BT 90.34 49.25 Td (a ) Tj ET Q q 0 0 0 rg BT 97.15 49.25 Td (number ) Tj ET Q q 0 0 0 rg BT 130.06 49.25 Td (of ) Tj ET Q q 0 0 0 rg BT 140.76 49.25 Td (important ) Tj ET Q q 0 0 0 rg BT 182.01 49.25 Td (exceptions ) Tj ET Q q 0 0 0 rg BT 227.14 49.25 Td (and ) Tj ET Q q 0 0 0 rg BT 243.95 49.25 Td (qualifications. ) Tj ET Q q 0 0 0 rg BT 303.25 49.25 Td (Specifically) Tj ET Q q 0 0 0 rg BT 350.35 49.25 Td (, ) Tj ET Q q 0 0 0 rg BT 355.22 49.25 Td (limitations ) Tj ET Q q 0 0 0 rg BT 400.37 49.25 Td (on ) Tj ET Q q 0 0 0 rg BT 412.74 49.25 Td (restricted ) Tj ET Q q 0 0 0 rg BT 452.31 49.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 493.00 49.25 Td (are ) Tj ET Q q 0 0 0 rg BT 507.58 49.25 Td (only ) Tj ET Q q 0 0 0 rg BT 527.72 49.25 Td (ef) Tj ET Q q 0 0 0 rg BT 535.31 49.25 Td (fective ) Tj ET Q endstream endobj 153 0 obj <>] /Rotate 0 /Contents 154 0 R>> endobj 154 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 731.10 Td (if ) Tj ET Q q 0 0 0 rg BT 57.79 731.10 Td (one ) Tj ET Q q 0 0 0 rg BT 74.41 731.10 Td (or ) Tj ET Q q 0 0 0 rg BT 84.92 731.10 Td (more ) Tj ET Q q 0 0 0 rg BT 107.65 731.10 Td (of ) Tj ET Q q 0 0 0 rg BT 118.16 731.10 Td (the ) Tj ET Q q 0 0 0 rg BT 132.56 731.10 Td (following ) Tj ET Q q 0 0 0 rg BT 173.63 731.10 Td (occurred: ) Tj ET Q q 0 0 0 rg BT 213.56 731.10 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 227.41 731.10 Td (a ) Tj ET Q q 0 0 0 rg BT 234.03 731.10 Td (default ) Tj ET Q q 0 0 0 rg BT 263.97 731.10 Td (were ) Tj ET Q q 0 0 0 rg BT 285.58 731.10 Td (to ) Tj ET Q q 0 0 0 rg BT 295.54 731.10 Td (exist ) Tj ET Q q 0 0 0 rg BT 316.61 731.10 Td (under ) Tj ET Q q 0 0 0 rg BT 341.56 731.10 Td (the ) Tj ET Q q 0 0 0 rg BT 355.96 731.10 Td (Indenture, ) Tj ET Q q 0 0 0 rg BT 398.96 731.10 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 412.80 731.10 Td (we ) Tj ET Q q 0 0 0 rg BT 426.64 731.10 Td (could ) Tj ET Q q 0 0 0 rg BT 451.04 731.10 Td (not ) Tj ET Q q 0 0 0 rg BT 466.00 731.10 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 494.29 731.10 Td (a ) Tj ET Q q 0 0 0 rg BT 500.91 731.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 520.31 731.10 Td (incurrence ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 719.10 Td (test, ) Tj ET Q q 0 0 0 rg BT 69.58 719.10 Td (and ) Tj ET Q q 0 0 0 rg BT 87.71 719.10 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 103.06 719.10 Td (the ) Tj ET Q q 0 0 0 rg BT 118.96 719.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 161.52 719.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 195.20 719.10 Td (of ) Tj ET Q q 0 0 0 rg BT 207.22 719.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 248.12 719.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 290.13 719.10 Td (were ) Tj ET Q q 0 0 0 rg BT 313.25 719.10 Td (to ) Tj ET Q q 0 0 0 rg BT 324.72 719.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 356.16 719.10 Td (an ) Tj ET Q q 0 0 0 rg BT 369.29 719.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 402.98 719.10 Td (tied ) Tj ET Q q 0 0 0 rg BT 421.66 719.10 Td (to ) Tj ET Q q 0 0 0 rg BT 433.13 719.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 487.36 719.10 Td (net ) Tj ET Q q 0 0 0 rg BT 503.27 719.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 538.63 719.10 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 707.10 Td (limitations, ) Tj ET Q q 0 0 0 rg BT 96.94 707.10 Td (however) Tj ET Q q 0 0 0 rg BT 130.97 707.10 Td (, ) Tj ET Q q 0 0 0 rg BT 135.63 707.10 Td (are ) Tj ET Q q 0 0 0 rg BT 150.00 707.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 180.49 707.10 Td (to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.27 707.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.43 707.10 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.43 707.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.60 707.10 Td (exceptions: ) Tj ET Q q 0 0 0 rg BT 255.30 707.10 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 269.12 707.10 Td (an ) Tj ET Q q 0 0 0 rg BT 280.73 707.10 Td (exception ) Tj ET Q q 0 0 0 rg BT 321.76 707.10 Td (that ) Tj ET Q q 0 0 0 rg BT 338.92 707.10 Td (permits ) Tj ET Q q 0 0 0 rg BT 371.08 707.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.46 707.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 422.05 707.10 Td (of ) Tj ET Q q 0 0 0 rg BT 432.55 707.10 Td (up ) Tj ET Q q 0 0 0 rg BT 444.71 707.10 Td (to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.49 707.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.65 707.10 Td ($375.0 ) Tj ET Q q 0 0 0 rg BT 484.31 707.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.21 707.10 Td ( ) Tj ET Q q 0 0 0 rg BT 515.37 707.10 Td (in ) Tj ET Q q 0 0 0 rg BT 525.31 707.10 Td (restricted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 695.10 Td (payments, ) Tj ET Q q 0 0 0 rg BT 93.30 695.10 Td (and ) Tj ET Q q 0 0 0 rg BT 110.71 695.10 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 125.34 695.10 Td (an ) Tj ET Q q 0 0 0 rg BT 137.75 695.10 Td (exception ) Tj ET Q q 0 0 0 rg BT 179.60 695.10 Td (that ) Tj ET Q q 0 0 0 rg BT 197.57 695.10 Td (permits ) Tj ET Q q 0 0 0 rg BT 230.53 695.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 270.71 695.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 312.01 695.10 Td (regardless ) Tj ET Q q 0 0 0 rg BT 355.52 695.10 Td (of ) Tj ET Q q 0 0 0 rg BT 366.82 695.10 Td (dollar ) Tj ET Q q 0 0 0 rg BT 393.12 695.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 426.08 695.10 Td (so ) Tj ET Q q 0 0 0 rg BT 437.95 695.10 Td (long ) Tj ET Q q 0 0 0 rg BT 458.70 695.10 Td (as, ) Tj ET Q q 0 0 0 rg BT 472.50 695.10 Td (after ) Tj ET Q q 0 0 0 rg BT 493.79 695.10 Td (giving ) Tj ET Q q 0 0 0 rg BT 522.32 695.10 Td (pro ) Tj ET Q q 0 0 0 rg BT 538.62 695.10 Td (forma ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 683.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.09 683.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 74.55 683.10 Td (to ) Tj ET Q q 0 0 0 rg BT 84.80 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 99.50 683.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 140.86 683.10 Td (and ) Tj ET Q q 0 0 0 rg BT 157.77 683.10 Td (other ) Tj ET Q q 0 0 0 rg BT 180.79 683.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 220.47 683.10 Td (payments, ) Tj ET Q q 0 0 0 rg BT 263.77 683.10 Td (we ) Tj ET Q q 0 0 0 rg BT 277.91 683.10 Td (would ) Tj ET Q q 0 0 0 rg BT 305.38 683.10 Td (have ) Tj ET Q q 0 0 0 rg BT 326.74 683.10 Td (had ) Tj ET Q q 0 0 0 rg BT 343.65 683.10 Td (a ) Tj ET Q q 0 0 0 rg BT 350.56 683.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 386.90 683.10 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 410.20 683.10 Td (as ) Tj ET Q q 0 0 0 rg BT 421.01 683.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 453.47 683.10 Td (under ) Tj ET Q q 0 0 0 rg BT 478.71 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 493.41 683.10 Td (Indenture, ) Tj ET Q q 0 0 0 rg BT 536.70 683.10 Td (of ) Tj ET Q q 0 0 0 rg BT 547.50 683.10 Td (less ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 671.10 Td (than ) Tj ET Q q 0 0 0 rg BT 69.00 671.10 Td (or ) Tj ET Q q 0 0 0 rg BT 79.61 671.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 103.55 671.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.61 671.10 Td (2.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.11 671.10 Td ( ) Tj ET Q q 0 0 0 rg BT 133.39 671.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.45 671.10 Td (1.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.95 671.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.23 671.10 Td (As ) Tj ET Q q 0 0 0 rg BT 173.62 671.10 Td (a ) Tj ET Q q 0 0 0 rg BT 180.34 671.10 Td (result ) Tj ET Q q 0 0 0 rg BT 204.84 671.10 Td (of ) Tj ET Q q 0 0 0 rg BT 215.45 671.10 Td (these ) Tj ET Q q 0 0 0 rg BT 238.28 671.10 Td (exceptions, ) Tj ET Q q 0 0 0 rg BT 285.83 671.10 Td (as ) Tj ET Q q 0 0 0 rg BT 296.44 671.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.05 671.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 355.43 671.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.43 671.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.21 671.10 Td ($176.7 ) Tj ET Q q 0 0 0 rg BT 409.99 671.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.89 671.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.17 671.10 Td (would ) Tj ET Q q 0 0 0 rg BT 468.45 671.10 Td (have ) Tj ET Q q 0 0 0 rg BT 489.61 671.10 Td (been ) Tj ET Q q 0 0 0 rg BT 510.77 671.10 Td (free ) Tj ET Q q 0 0 0 rg BT 528.59 671.10 Td (from ) Tj ET Q q 0 0 0 rg BT 550.31 671.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 659.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 98.35 659.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 145.53 659.10 Td (related ) Tj ET Q q 0 0 0 rg BT 175.47 659.10 Td (to ) Tj ET Q q 0 0 0 rg BT 185.99 659.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.95 659.10 Td (Senior ) Tj ET Q q 0 0 0 rg BT 229.80 659.10 Td (Notes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.37 659.10 Td (However) Tj ET Q q 0 0 0 rg BT 294.62 659.10 Td (, ) Tj ET Q q 0 0 0 rg BT 299.86 659.10 Td (as ) Tj ET Q q 0 0 0 rg BT 310.93 659.10 Td (a ) Tj ET Q q 0 0 0 rg BT 318.11 659.10 Td (result ) Tj ET Q q 0 0 0 rg BT 343.07 659.10 Td (of ) Tj ET Q q 0 0 0 rg BT 354.14 659.10 Td (the ) Tj ET Q q 0 0 0 rg BT 369.09 659.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 410.16 659.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 435.66 659.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 466.73 659.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 515.58 659.10 Td (restrictions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 647.10 Td (which ) Tj ET Q q 0 0 0 rg BT 76.38 647.10 Td (are ) Tj ET Q q 0 0 0 rg BT 91.03 647.10 Td (further ) Tj ET Q q 0 0 0 rg BT 120.68 647.10 Td (described ) Tj ET Q q 0 0 0 rg BT 161.44 647.10 Td (below) Tj ET Q q 0 0 0 rg BT 185.23 647.10 Td (, ) Tj ET Q q 0 0 0 rg BT 190.18 647.10 Td (we ) Tj ET Q q 0 0 0 rg BT 204.28 647.10 Td (were ) Tj ET Q q 0 0 0 rg BT 226.15 647.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 265.80 647.10 Td (from ) Tj ET Q q 0 0 0 rg BT 287.68 647.10 Td (making ) Tj ET Q q 0 0 0 rg BT 320.12 647.10 Td (a ) Tj ET Q q 0 0 0 rg BT 327.00 647.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 375.56 647.10 Td (as ) Tj ET Q q 0 0 0 rg BT 386.33 647.10 Td (of ) Tj ET Q q 0 0 0 rg BT 397.11 647.10 Td (January ) Tj ET Q q 0 0 0 rg BT 430.65 647.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 445.59 647.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 470.54 647.10 Td ( ) Tj ET Q q 0 0 0 rg BT 472.98 647.10 Td (During ) Tj ET Q q 0 0 0 rg BT 503.76 647.10 Td (any ) Tj ET Q q 0 0 0 rg BT 520.64 647.10 Td (time ) Tj ET Q q 0 0 0 rg BT 540.85 647.10 Td (when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 635.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.47 635.10 Td (Senior ) Tj ET Q q 0 0 0 rg BT 93.33 635.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 119.41 635.10 Td (are ) Tj ET Q q 0 0 0 rg BT 134.37 635.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 157.11 635.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 203.75 635.10 Td (grade ) Tj ET Q q 0 0 0 rg BT 228.71 635.10 Td (by ) Tj ET Q q 0 0 0 rg BT 241.46 635.10 Td (either ) Tj ET Q q 0 0 0 rg BT 266.98 635.10 Td (of ) Tj ET Q q 0 0 0 rg BT 278.06 635.10 Td (Moody's ) Tj ET Q q 0 0 0 rg BT 315.40 635.10 Td (Investors ) Tj ET Q q 0 0 0 rg BT 354.81 635.10 Td (Service, ) Tj ET Q q 0 0 0 rg BT 390.05 635.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 408.07 635.10 Td (or ) Tj ET Q q 0 0 0 rg BT 419.15 635.10 Td (Standard ) Tj ET Q q 0 0 0 rg BT 457.45 635.10 Td (& ) Tj ET Q q 0 0 0 rg BT 467.98 635.10 Td (Poor's ) Tj ET Q q 0 0 0 rg BT 495.32 635.10 Td (Ratings ) Tj ET Q q 0 0 0 rg BT 528.63 635.10 Td (Services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 623.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.85 623.10 Td (no ) Tj ET Q q 0 0 0 rg BT 79.77 623.10 Td (default ) Tj ET Q q 0 0 0 rg BT 110.45 623.10 Td (\(as ) Tj ET Q q 0 0 0 rg BT 125.02 623.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 157.92 623.10 Td (in ) Tj ET Q q 0 0 0 rg BT 168.62 623.10 Td (the ) Tj ET Q q 0 0 0 rg BT 183.75 623.10 Td (Indenture\) ) Tj ET Q q 0 0 0 rg BT 228.31 623.10 Td (has ) Tj ET Q q 0 0 0 rg BT 244.55 623.10 Td (occurred ) Tj ET Q q 0 0 0 rg BT 282.44 623.10 Td (and ) Tj ET Q q 0 0 0 rg BT 299.80 623.10 Td (is ) Tj ET Q q 0 0 0 rg BT 309.38 623.10 Td (continuing, ) Tj ET Q q 0 0 0 rg BT 357.57 623.10 Td (many ) Tj ET Q q 0 0 0 rg BT 382.70 623.10 Td (of ) Tj ET Q q 0 0 0 rg BT 393.95 623.10 Td (such ) Tj ET Q q 0 0 0 rg BT 415.19 623.10 Td (covenants ) Tj ET Q q 0 0 0 rg BT 458.09 623.10 Td (will ) Tj ET Q q 0 0 0 rg BT 476.57 623.10 Td (be ) Tj ET Q q 0 0 0 rg BT 488.92 623.10 Td (suspended ) Tj ET Q q 0 0 0 rg BT 533.49 623.10 Td (and ) Tj ET Q q 0 0 0 rg BT 550.85 623.10 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 611.10 Td (will ) Tj ET Q q 0 0 0 rg BT 67.85 611.10 Td (cease ) Tj ET Q q 0 0 0 rg BT 92.30 611.10 Td (to ) Tj ET Q q 0 0 0 rg BT 102.87 611.10 Td (be ) Tj ET Q q 0 0 0 rg BT 115.11 611.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 146.23 611.10 Td (to ) Tj ET Q q 0 0 0 rg BT 156.80 611.10 Td (such ) Tj ET Q q 0 0 0 rg BT 177.93 611.10 Td (covenants ) Tj ET Q q 0 0 0 rg BT 220.71 611.10 Td (during ) Tj ET Q q 0 0 0 rg BT 249.62 611.10 Td (such ) Tj ET Q q 0 0 0 rg BT 270.75 611.10 Td (period.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.79 611.10 Td ( ) Tj ET Q q 0 0 0 rg BT 301.59 611.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.39 611.10 Td (Events ) Tj ET Q q 0 0 0 rg BT 334.40 611.10 Td (of ) Tj ET Q q 0 0 0 rg BT 345.53 611.10 Td (default ) Tj ET Q q 0 0 0 rg BT 376.09 611.10 Td (under ) Tj ET Q q 0 0 0 rg BT 401.65 611.10 Td (the ) Tj ET Q q 0 0 0 rg BT 416.67 611.10 Td (Indenture ) Tj ET Q q 0 0 0 rg BT 457.78 611.10 Td (include ) Tj ET Q q 0 0 0 rg BT 490.01 611.10 Td (customary ) Tj ET Q q 0 0 0 rg BT 534.46 611.10 Td (events, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 599.10 Td (such ) Tj ET Q q 0 0 0 rg BT 70.57 599.10 Td (as ) Tj ET Q q 0 0 0 rg BT 81.65 599.10 Td (a ) Tj ET Q q 0 0 0 rg BT 88.83 599.10 Td (cross-acceleration ) Tj ET Q q 0 0 0 rg BT 163.75 599.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 204.28 599.10 Td (in ) Tj ET Q q 0 0 0 rg BT 214.80 599.10 Td (the ) Tj ET Q q 0 0 0 rg BT 229.76 599.10 Td (event ) Tj ET Q q 0 0 0 rg BT 254.16 599.10 Td (that ) Tj ET Q q 0 0 0 rg BT 271.90 599.10 Td (we ) Tj ET Q q 0 0 0 rg BT 286.30 599.10 Td (fail ) Tj ET Q q 0 0 0 rg BT 302.37 599.10 Td (to ) Tj ET Q q 0 0 0 rg BT 312.89 599.10 Td (make ) Tj ET Q q 0 0 0 rg BT 337.29 599.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 374.47 599.10 Td (of ) Tj ET Q q 0 0 0 rg BT 385.54 599.10 Td (other ) Tj ET Q q 0 0 0 rg BT 408.84 599.10 Td (indebtedness ) Tj ET Q q 0 0 0 rg BT 463.24 599.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 485.42 599.10 Td (to ) Tj ET Q q 0 0 0 rg BT 495.94 599.10 Td (the ) Tj ET Q q 0 0 0 rg BT 510.90 599.10 Td (expiration ) Tj ET Q q 0 0 0 rg BT 554.19 599.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 587.10 Td (any ) Tj ET Q q 0 0 0 rg BT 66.72 587.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 110.60 587.10 Td (grace ) Tj ET Q q 0 0 0 rg BT 135.03 587.10 Td (period ) Tj ET Q q 0 0 0 rg BT 163.36 587.10 Td (or ) Tj ET Q q 0 0 0 rg BT 174.47 587.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 197.26 587.10 Td (acceleration ) Tj ET Q q 0 0 0 rg BT 248.34 587.10 Td (of ) Tj ET Q q 0 0 0 rg BT 259.45 587.10 Td (indebtedness ) Tj ET Q q 0 0 0 rg BT 313.89 587.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 336.12 587.10 Td (to ) Tj ET Q q 0 0 0 rg BT 346.68 587.10 Td (its ) Tj ET Q q 0 0 0 rg BT 358.91 587.10 Td (stated ) Tj ET Q q 0 0 0 rg BT 385.02 587.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 421.69 587.10 Td (date ) Tj ET Q q 0 0 0 rg BT 441.13 587.10 Td (in ) Tj ET Q q 0 0 0 rg BT 451.69 587.10 Td (an ) Tj ET Q q 0 0 0 rg BT 463.91 587.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 496.69 587.10 Td (exceeding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.01 587.10 Td ($25.0 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 575.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 575.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.86 575.10 Td (as ) Tj ET Q q 0 0 0 rg BT 93.15 575.10 Td (well ) Tj ET Q q 0 0 0 rg BT 112.33 575.10 Td (as ) Tj ET Q q 0 0 0 rg BT 122.63 575.10 Td (in ) Tj ET Q q 0 0 0 rg BT 132.37 575.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.56 575.10 Td (event ) Tj ET Q q 0 0 0 rg BT 170.18 575.10 Td (a ) Tj ET Q q 0 0 0 rg BT 176.58 575.10 Td (judgment ) Tj ET Q q 0 0 0 rg BT 216.32 575.10 Td (is ) Tj ET Q q 0 0 0 rg BT 224.95 575.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 256.34 575.10 Td (against ) Tj ET Q q 0 0 0 rg BT 286.63 575.10 Td (us ) Tj ET Q q 0 0 0 rg BT 297.49 575.10 Td (in ) Tj ET Q q 0 0 0 rg BT 307.23 575.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 335.30 575.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.59 575.10 Td ($25.0 ) Tj ET Q q 0 0 0 rg BT 370.06 575.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.95 575.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.92 575.10 Td (that ) Tj ET Q q 0 0 0 rg BT 417.88 575.10 Td (is ) Tj ET Q q 0 0 0 rg BT 426.51 575.10 Td (not ) Tj ET Q q 0 0 0 rg BT 441.26 575.10 Td (dischar) Tj ET Q q 0 0 0 rg BT 469.95 575.10 Td (ged, ) Tj ET Q q 0 0 0 rg BT 488.86 575.10 Td (bonded ) Tj ET Q q 0 0 0 rg BT 520.26 575.10 Td (or ) Tj ET Q q 0 0 0 rg BT 530.55 575.10 Td (insured.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.49 575.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 557.10 Td (As ) Tj ET Q q 0 0 0 rg BT 62.53 557.10 Td (of ) Tj ET Q q 0 0 0 rg BT 72.79 557.10 Td (January ) Tj ET Q q 0 0 0 rg BT 105.81 557.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 120.23 557.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 144.65 557.10 Td (we ) Tj ET Q q 0 0 0 rg BT 158.23 557.10 Td (were ) Tj ET Q q 0 0 0 rg BT 179.58 557.10 Td (not ) Tj ET Q q 0 0 0 rg BT 194.28 557.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 233.40 557.10 Td (from ) Tj ET Q q 0 0 0 rg BT 254.76 557.10 Td (making ) Tj ET Q q 0 0 0 rg BT 286.68 557.10 Td (up ) Tj ET Q q 0 0 0 rg BT 298.60 557.10 Td (to ) Tj ET Q q 0 0 0 rg BT 308.30 557.10 Td ($41.9 ) Tj ET Q q 0 0 0 rg BT 332.72 557.10 Td (million ) Tj ET Q q 0 0 0 rg BT 363.54 557.10 Td (in ) Tj ET Q q 0 0 0 rg BT 373.24 557.10 Td (distributions ) Tj ET Q q 0 0 0 rg BT 425.16 557.10 Td (related ) Tj ET Q q 0 0 0 rg BT 454.29 557.10 Td (to ) Tj ET Q q 0 0 0 rg BT 463.98 557.10 Td (repayments ) Tj ET Q q 0 0 0 rg BT 512.00 557.10 Td (of ) Tj ET Q q 0 0 0 rg BT 522.25 557.10 Td (the ) Tj ET Q q 0 0 0 rg BT 536.39 557.10 Td (Senior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 545.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 75.33 545.10 Td (as ) Tj ET Q q 0 0 0 rg BT 86.16 545.10 Td (a ) Tj ET Q q 0 0 0 rg BT 93.10 545.10 Td (result ) Tj ET Q q 0 0 0 rg BT 117.82 545.10 Td (of ) Tj ET Q q 0 0 0 rg BT 128.65 545.10 Td (the ) Tj ET Q q 0 0 0 rg BT 143.36 545.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 184.19 545.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 209.45 545.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 240.27 545.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 288.88 545.10 Td (restrictions, ) Tj ET Q q 0 0 0 rg BT 338.32 545.10 Td (which ) Tj ET Q q 0 0 0 rg BT 365.26 545.10 Td (are ) Tj ET Q q 0 0 0 rg BT 379.96 545.10 Td (further ) Tj ET Q q 0 0 0 rg BT 409.67 545.10 Td (described ) Tj ET Q q 0 0 0 rg BT 450.49 545.10 Td (below) Tj ET Q q 0 0 0 rg BT 474.28 545.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.28 545.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 527.10 Td (Asset-backed ) Tj ET Q q 0 0 0 rg BT 106.02 527.10 Td (Notes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.50 527.10 Td (During ) Tj ET Q q 0 0 0 rg BT 165.47 527.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 189.77 527.10 Td (years ) Tj ET Q q 0 0 0 rg BT 213.52 527.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 238.66 527.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 261.31 527.10 Td (and ) Tj ET Q q 0 0 0 rg BT 278.39 527.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 303.54 527.10 Td (we ) Tj ET Q q 0 0 0 rg BT 317.84 527.10 Td (securitized ) Tj ET Q q 0 0 0 rg BT 363.80 527.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 403.10 527.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 440.73 527.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 488.35 527.10 Td (by ) Tj ET Q q 0 0 0 rg BT 500.99 527.10 Td (transferring ) Tj ET Q q 0 0 0 rg BT 550.29 527.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 515.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 96.97 515.10 Td (to ) Tj ET Q q 0 0 0 rg BT 107.24 515.10 Td (various ) Tj ET Q q 0 0 0 rg BT 139.18 515.10 Td (bankruptcy-remote ) Tj ET Q q 0 0 0 rg BT 217.57 515.10 Td (VIEs. ) Tj ET Q q 0 0 0 rg BT 243.12 515.10 Td ( ) Tj ET Q q 0 0 0 rg BT 245.62 515.10 Td (In ) Tj ET Q q 0 0 0 rg BT 256.44 515.10 Td (turn, ) Tj ET Q q 0 0 0 rg BT 277.55 515.10 Td (the ) Tj ET Q q 0 0 0 rg BT 292.08 515.10 Td (VIEs ) Tj ET Q q 0 0 0 rg BT 315.13 515.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 342.63 515.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 396.21 515.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 419.81 515.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 452.85 515.10 Td (by ) Tj ET Q q 0 0 0 rg BT 465.34 515.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.06 515.10 Td (transferred ) Tj ET Q q 0 0 0 rg BT 525.86 515.10 Td (customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 503.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 86.99 503.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 134.46 503.10 Td (and ) Tj ET Q q 0 0 0 rg BT 151.39 503.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 191.10 503.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 211.37 503.10 Td (held ) Tj ET Q q 0 0 0 rg BT 231.08 503.10 Td (by ) Tj ET Q q 0 0 0 rg BT 243.58 503.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.12 503.10 Td (VIEs. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 283.67 503.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 485.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 75.98 485.10 Td (the ) Tj ET Q q 0 0 0 rg BT 89.69 485.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 113.40 485.10 Td (of ) Tj ET Q q 0 0 0 rg BT 123.22 485.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.92 485.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 178.95 485.10 Td (securitization ) Tj ET Q q 0 0 0 rg BT 234.31 485.10 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 286.06 485.10 Td (all ) Tj ET Q q 0 0 0 rg BT 297.55 485.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 316.80 485.10 Td (collections ) Tj ET Q q 0 0 0 rg BT 361.62 485.10 Td (and ) Tj ET Q q 0 0 0 rg BT 377.54 485.10 Td (other ) Tj ET Q q 0 0 0 rg BT 399.58 485.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 418.84 485.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 455.87 485.10 Td (of ) Tj ET Q q 0 0 0 rg BT 465.69 485.10 Td (the ) Tj ET Q q 0 0 0 rg BT 479.40 485.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 517.54 485.10 Td (receivables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 473.10 Td (go ) Tj ET Q q 0 0 0 rg BT 62.89 473.10 Td (first ) Tj ET Q q 0 0 0 rg BT 82.39 473.10 Td (to ) Tj ET Q q 0 0 0 rg BT 93.56 473.10 Td (the ) Tj ET Q q 0 0 0 rg BT 109.17 473.10 Td (servicer ) Tj ET Q q 0 0 0 rg BT 144.21 473.10 Td (and ) Tj ET Q q 0 0 0 rg BT 162.04 473.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.65 473.10 Td (holders ) Tj ET Q q 0 0 0 rg BT 210.48 473.10 Td (of ) Tj ET Q q 0 0 0 rg BT 222.21 473.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 250.60 473.10 Td (notes, ) Tj ET Q q 0 0 0 rg BT 277.60 473.10 Td (and ) Tj ET Q q 0 0 0 rg BT 295.43 473.10 Td (then ) Tj ET Q q 0 0 0 rg BT 316.04 473.10 Td (to ) Tj ET Q q 0 0 0 rg BT 327.21 473.10 Td (the ) Tj ET Q q 0 0 0 rg BT 342.82 473.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 377.87 473.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 406.26 473.10 Td (holder) Tj ET Q q 0 0 0 rg BT 431.25 473.10 Td (. ) Tj ET Q q 0 0 0 rg BT 437.14 473.10 Td ( ) Tj ET Q q 0 0 0 rg BT 440.29 473.10 Td (W) Tj ET Q q 0 0 0 rg BT 448.93 473.10 Td (e ) Tj ET Q q 0 0 0 rg BT 456.76 473.10 Td (retain ) Tj ET Q q 0 0 0 rg BT 482.92 473.10 Td (the ) Tj ET Q q 0 0 0 rg BT 498.52 473.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 538.57 473.10 Td (of ) Tj ET Q q 0 0 0 rg BT 550.30 473.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 461.10 Td (securitized ) Tj ET Q q 0 0 0 rg BT 96.77 461.10 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 139.62 461.10 Td (and ) Tj ET Q q 0 0 0 rg BT 158.02 461.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 190.85 461.10 Td (a ) Tj ET Q q 0 0 0 rg BT 199.25 461.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 236.54 461.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 252.71 461.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.00 461.10 Td (4.75%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.83 461.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.80 461.10 Td (\(annualized\) ) Tj ET Q q 0 0 0 rg BT 348.73 461.10 Td (based ) Tj ET Q q 0 0 0 rg BT 375.46 461.10 Td (on ) Tj ET Q q 0 0 0 rg BT 389.42 461.10 Td (the ) Tj ET Q q 0 0 0 rg BT 405.60 461.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 456.23 461.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 490.72 461.10 Td (of ) Tj ET Q q 0 0 0 rg BT 503.01 461.10 Td (the ) Tj ET Q q 0 0 0 rg BT 519.19 461.10 Td (securitized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 449.10 Td (receivables. ) Tj ET Q q 0 0 0 rg BT 99.87 449.10 Td ( ) Tj ET Q q 0 0 0 rg BT 102.77 449.10 Td (In ) Tj ET Q q 0 0 0 rg BT 114.00 449.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 152.18 449.10 Td (we, ) Tj ET Q q 0 0 0 rg BT 169.24 449.10 Td (rather ) Tj ET Q q 0 0 0 rg BT 195.45 449.10 Td (than ) Tj ET Q q 0 0 0 rg BT 215.57 449.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.48 449.10 Td (VIEs, ) Tj ET Q q 0 0 0 rg BT 256.43 449.10 Td (retain ) Tj ET Q q 0 0 0 rg BT 282.09 449.10 Td (all ) Tj ET Q q 0 0 0 rg BT 294.99 449.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 320.65 449.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 361.87 449.10 Td (income ) Tj ET Q q 0 0 0 rg BT 394.20 449.10 Td (together ) Tj ET Q q 0 0 0 rg BT 429.87 449.10 Td (with ) Tj ET Q q 0 0 0 rg BT 450.55 449.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 480.65 449.10 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 524.63 449.10 Td (related ) Tj ET Q q 0 0 0 rg BT 554.73 449.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 437.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 74.70 437.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 115.46 437.10 Td (and ) Tj ET Q q 0 0 0 rg BT 132.33 437.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 158.09 437.10 Td (service ) Tj ET Q q 0 0 0 rg BT 188.84 437.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 236.81 437.10 Td (on ) Tj ET Q q 0 0 0 rg BT 249.25 437.10 Td (char) Tj ET Q q 0 0 0 rg BT 266.28 437.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 287.20 437.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 296.86 437.10 Td (of ) Tj ET Q q 0 0 0 rg BT 307.63 437.10 Td (the ) Tj ET Q q 0 0 0 rg BT 322.28 437.10 Td (securitized ) Tj ET Q q 0 0 0 rg BT 368.03 437.10 Td (receivables, ) Tj ET Q q 0 0 0 rg BT 417.94 437.10 Td (which ) Tj ET Q q 0 0 0 rg BT 444.82 437.10 Td (are ) Tj ET Q q 0 0 0 rg BT 459.47 437.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 496.88 437.10 Td (as ) Tj ET Q q 0 0 0 rg BT 507.64 437.10 Td (a ) Tj ET Q q 0 0 0 rg BT 514.52 437.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 554.72 437.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 425.10 Td (net ) Tj ET Q q 0 0 0 rg BT 64.22 425.10 Td (char) Tj ET Q q 0 0 0 rg BT 81.24 425.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 102.16 425.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 111.88 425.10 Td (on ) Tj ET Q q 0 0 0 rg BT 124.38 425.10 Td (a ) Tj ET Q q 0 0 0 rg BT 131.32 425.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 184.36 425.10 Td (basis.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.86 425.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 407.10 Td (The ) Tj ET Q q 0 0 0 rg BT 66.65 407.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 119.33 407.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 142.04 407.10 Td (were ) Tj ET Q q 0 0 0 rg BT 163.07 407.10 Td (of) Tj ET Q q 0 0 0 rg BT 171.22 407.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 193.36 407.10 Td (and ) Tj ET Q q 0 0 0 rg BT 209.40 407.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 227.67 407.10 Td (to ) Tj ET Q q 0 0 0 rg BT 237.05 407.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 274.20 407.10 Td (institutional ) Tj ET Q q 0 0 0 rg BT 323.58 407.10 Td (buyers ) Tj ET Q q 0 0 0 rg BT 351.84 407.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 387.88 407.10 Td (to ) Tj ET Q q 0 0 0 rg BT 397.26 407.10 Td (the ) Tj ET Q q 0 0 0 rg BT 411.08 407.10 Td (exemptions ) Tj ET Q q 0 0 0 rg BT 458.78 407.10 Td (from ) Tj ET Q q 0 0 0 rg BT 479.82 407.10 Td (registration ) Tj ET Q q 0 0 0 rg BT 526.97 407.10 Td (provided ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 395.10 Td (by ) Tj ET Q q 0 0 0 rg BT 61.93 395.10 Td (Rule ) Tj ET Q q 0 0 0 rg BT 83.25 395.10 Td (144A) Tj ET Q q 0 0 0 rg BT 104.92 395.10 Td ( ) Tj ET Q q 0 0 0 rg BT 107.34 395.10 Td (under ) Tj ET Q q 0 0 0 rg BT 132.54 395.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.19 395.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 188.51 395.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 207.88 395.10 Td (If ) Tj ET Q q 0 0 0 rg BT 216.97 395.10 Td (an ) Tj ET Q q 0 0 0 rg BT 228.84 395.10 Td (event ) Tj ET Q q 0 0 0 rg BT 252.92 395.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.68 395.10 Td (default ) Tj ET Q q 0 0 0 rg BT 293.88 395.10 Td (were ) Tj ET Q q 0 0 0 rg BT 315.73 395.10 Td (to ) Tj ET Q q 0 0 0 rg BT 325.94 395.10 Td (occur ) Tj ET Q q 0 0 0 rg BT 350.58 395.10 Td (under ) Tj ET Q q 0 0 0 rg BT 375.78 395.10 Td (the ) Tj ET Q q 0 0 0 rg BT 390.42 395.10 Td (indenture ) Tj ET Q q 0 0 0 rg BT 430.61 395.10 Td (that ) Tj ET Q q 0 0 0 rg BT 448.04 395.10 Td (governs ) Tj ET Q q 0 0 0 rg BT 482.13 395.10 Td (the ) Tj ET Q q 0 0 0 rg BT 496.77 395.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 539.74 395.10 Td (asset-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 383.10 Td (backed ) Tj ET Q q 0 0 0 rg BT 80.67 383.10 Td (notes, ) Tj ET Q q 0 0 0 rg BT 107.14 383.10 Td (the ) Tj ET Q q 0 0 0 rg BT 122.22 383.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 159.51 383.10 Td (of ) Tj ET Q q 0 0 0 rg BT 170.70 383.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.77 383.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 235.30 383.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 272.04 383.10 Td (may ) Tj ET Q q 0 0 0 rg BT 292.12 383.10 Td (be ) Tj ET Q q 0 0 0 rg BT 304.42 383.10 Td (accelerated, ) Tj ET Q q 0 0 0 rg BT 354.73 383.10 Td (in ) Tj ET Q q 0 0 0 rg BT 365.37 383.10 Td (which ) Tj ET Q q 0 0 0 rg BT 392.67 383.10 Td (event ) Tj ET Q q 0 0 0 rg BT 417.18 383.10 Td (the ) Tj ET Q q 0 0 0 rg BT 432.26 383.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 452.88 383.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 491.28 383.10 Td (of ) Tj ET Q q 0 0 0 rg BT 502.47 383.10 Td (the ) Tj ET Q q 0 0 0 rg BT 517.54 383.10 Td (receivables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 371.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.27 371.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 108.91 371.10 Td (might ) Tj ET Q q 0 0 0 rg BT 135.02 371.10 Td (be ) Tj ET Q q 0 0 0 rg BT 147.23 371.10 Td (released ) Tj ET Q q 0 0 0 rg BT 182.75 371.10 Td (to ) Tj ET Q q 0 0 0 rg BT 193.30 371.10 Td (the ) Tj ET Q q 0 0 0 rg BT 208.28 371.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 242.71 371.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 270.48 371.10 Td (holder ) Tj ET Q q 0 0 0 rg BT 298.79 371.10 Td (would ) Tj ET Q q 0 0 0 rg BT 326.56 371.10 Td (instead ) Tj ET Q q 0 0 0 rg BT 357.66 371.10 Td (be ) Tj ET Q q 0 0 0 rg BT 369.87 371.10 Td (directed ) Tj ET Q q 0 0 0 rg BT 404.84 371.10 Td (entirely ) Tj ET Q q 0 0 0 rg BT 438.15 371.10 Td (toward ) Tj ET Q q 0 0 0 rg BT 468.69 371.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 513.66 371.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.76 371.10 Td (the ) Tj ET Q q 0 0 0 rg BT 539.75 371.10 Td (asset-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 359.10 Td (backed ) Tj ET Q q 0 0 0 rg BT 79.74 359.10 Td (notes, ) Tj ET Q q 0 0 0 rg BT 105.27 359.10 Td (or ) Tj ET Q q 0 0 0 rg BT 115.52 359.10 Td (if ) Tj ET Q q 0 0 0 rg BT 123.55 359.10 Td (the ) Tj ET Q q 0 0 0 rg BT 137.69 359.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 184.59 359.10 Td (are ) Tj ET Q q 0 0 0 rg BT 198.72 359.10 Td (liquidated, ) Tj ET Q q 0 0 0 rg BT 243.13 359.10 Td (all ) Tj ET Q q 0 0 0 rg BT 255.05 359.10 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 300.30 359.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 337.76 359.10 Td (could ) Tj ET Q q 0 0 0 rg BT 361.90 359.10 Td (be ) Tj ET Q q 0 0 0 rg BT 373.26 359.10 Td (directed ) Tj ET Q q 0 0 0 rg BT 407.39 359.10 Td (solely ) Tj ET Q q 0 0 0 rg BT 433.20 359.10 Td (to ) Tj ET Q q 0 0 0 rg BT 442.90 359.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 487.02 359.10 Td (of ) Tj ET Q q 0 0 0 rg BT 497.28 359.10 Td (the ) Tj ET Q q 0 0 0 rg BT 511.42 359.10 Td (asset-backed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 347.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 73.52 347.10 Td (as ) Tj ET Q q 0 0 0 rg BT 84.75 347.10 Td (governed ) Tj ET Q q 0 0 0 rg BT 124.87 347.10 Td (by ) Tj ET Q q 0 0 0 rg BT 137.77 347.10 Td (the ) Tj ET Q q 0 0 0 rg BT 152.90 347.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 196.33 347.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 221.46 347.10 Td (of ) Tj ET Q q 0 0 0 rg BT 232.70 347.10 Td (the ) Tj ET Q q 0 0 0 rg BT 247.82 347.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 301.81 347.10 Td (notes. ) Tj ET Q q 0 0 0 rg BT 328.11 347.10 Td (The ) Tj ET Q q 0 0 0 rg BT 346.57 347.10 Td (holders ) Tj ET Q q 0 0 0 rg BT 378.91 347.10 Td (of ) Tj ET Q q 0 0 0 rg BT 390.15 347.10 Td (the ) Tj ET Q q 0 0 0 rg BT 405.27 347.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 459.26 347.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 483.28 347.10 Td (have ) Tj ET Q q 0 0 0 rg BT 505.06 347.10 Td (no ) Tj ET Q q 0 0 0 rg BT 517.97 347.10 Td (recourse ) Tj ET Q q 0 0 0 rg BT 554.74 347.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 335.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 74.99 335.10 Td (outside ) Tj ET Q q 0 0 0 rg BT 106.03 335.10 Td (of ) Tj ET Q q 0 0 0 rg BT 116.51 335.10 Td (the ) Tj ET Q q 0 0 0 rg BT 130.73 335.10 Td (VIEs. ) Tj ET Q q 0 0 0 rg BT 155.94 335.10 Td (Events ) Tj ET Q q 0 0 0 rg BT 185.31 335.10 Td (of ) Tj ET Q q 0 0 0 rg BT 195.80 335.10 Td (default ) Tj ET Q q 0 0 0 rg BT 225.72 335.10 Td (include, ) Tj ET Q q 0 0 0 rg BT 259.81 335.10 Td (but ) Tj ET Q q 0 0 0 rg BT 274.74 335.10 Td (are ) Tj ET Q q 0 0 0 rg BT 289.10 335.10 Td (not ) Tj ET Q q 0 0 0 rg BT 304.04 335.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 334.52 335.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 346.96 335.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 375.21 335.10 Td (to ) Tj ET Q q 0 0 0 rg BT 385.14 335.10 Td (make ) Tj ET Q q 0 0 0 rg BT 408.95 335.10 Td (required ) Tj ET Q q 0 0 0 rg BT 444.42 335.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 484.90 335.10 Td (on ) Tj ET Q q 0 0 0 rg BT 497.06 335.10 Td (the ) Tj ET Q q 0 0 0 rg BT 511.43 335.10 Td (asset-backed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 323.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 73.11 323.10 Td (or ) Tj ET Q q 0 0 0 rg BT 83.94 323.10 Td (specified ) Tj ET Q q 0 0 0 rg BT 122.53 323.10 Td (bankruptcy-related ) Tj ET Q q 0 0 0 rg BT 200.55 323.10 Td (events.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.60 323.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 299.70 Td (The ) Tj ET Q q 0 0 0 rg BT 67.55 299.70 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 121.13 299.70 Td (notes ) Tj ET Q q 0 0 0 rg BT 144.74 299.70 Td (consisted ) Tj ET Q q 0 0 0 rg BT 184.46 299.70 Td (of ) Tj ET Q q 0 0 0 rg BT 195.29 299.70 Td (the ) Tj ET Q q 0 0 0 rg BT 210.00 299.70 Td (following:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.00 248.20 151.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.00 248.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 204.00 248.20 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.00 248.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.00 248.20 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.00 248.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.00 248.20 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 248.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.00 248.20 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 248.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 248.20 62.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 248.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.00 248.20 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.00 218.20 151.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.00 218.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 204.00 218.20 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.00 218.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.00 218.20 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.00 218.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.00 218.20 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 218.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.00 218.20 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 218.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 218.20 62.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 218.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.00 218.20 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.00 188.20 151.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.00 188.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 204.00 188.20 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.00 188.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.00 188.20 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.00 188.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.00 188.20 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 188.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.00 188.20 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 188.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 188.20 62.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 188.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.00 188.20 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.00 158.20 151.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.00 158.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 204.00 158.20 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.00 158.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.00 158.20 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.00 158.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.00 158.20 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 158.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.00 158.20 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 158.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 158.20 62.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 158.20 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.00 158.20 52.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49 248.20000000000005 m 200 248.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 204 248.20000000000005 m 261 248.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265 248.20000000000005 m 324 248.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328 248.20000000000005 m 380 248.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384 248.20000000000005 m 440 248.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444 248.20000000000005 m 506 248.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510 248.20000000000005 m 562 248.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 204 143.20000000000005 m 261 143.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265 143.20000000000005 m 324 143.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 204 129.20000000000005 m 261 129.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 204 127.20000000000005 m 261 127.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265 129.20000000000005 m 324 129.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265 127.20000000000005 m 324 127.20000000000005 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 81.90 252.88 Td (Asset-Backed Notes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 213.90 272.88 Td (Original ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 212.25 262.88 Td (Principal ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 214.45 252.88 Td (Amount ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 275.90 272.88 Td (Original ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 286.50 262.88 Td (Net ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 271.10 252.88 Td (Pr) Tj ET Q q 0 0 0 rg BT 281.47 252.88 Td (oceeds) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 309.23 257.41 Td (\(1\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 335.15 262.88 Td (Issuance ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 343.50 252.88 Td (Date) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.05 262.88 Td (Maturity ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 401.50 252.88 Td (Date) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.65 262.88 Td (Contractual ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.65 252.88 Td (Inter) Tj ET Q q 0 0 0 rg BT 468.13 252.88 Td (est Rate) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 516.60 272.88 Td (Effective ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.90 262.88 Td (Inter) Tj ET Q q 0 0 0 rg BT 540.38 262.88 Td (est ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 521.70 252.88 Td (Rate) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 541.69 257.41 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 237.87 Td (2016-B Class B Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.65 237.87 Td (1) Tj ET Q q 0 0 0 rg BT 229.65 237.87 Td (1) Tj ET Q q 0 0 0 rg BT 234.65 237.87 Td (1,960) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 237.87 Td (108,586) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.20 237.87 Td (10/6/2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.20 237.87 Td (3/15/2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.55 237.87 Td (7.34%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.55 237.87 Td (8.10%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 222.87 Td (2017-A) Tj ET Q q 0 0 0 rg BT 81.78 222.87 Td ( Class ) Tj ET Q q 0 0 0 rg BT 107.89 222.87 Td (A) Tj ET Q q 0 0 0 rg BT 114.56 222.87 Td ( Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.65 222.87 Td (313,220) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 222.87 Td (304,451) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.20 222.87 Td (4/19/2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.20 222.87 Td (7/15/2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.55 222.87 Td (2.73%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.55 222.87 Td (5.13%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 207.87 Td (2017-A) Tj ET Q q 0 0 0 rg BT 81.78 207.87 Td ( Class B Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.65 207.87 Td (106,270) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 207.87 Td (103,300) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.20 207.87 Td (4/19/2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.20 207.87 Td (2/15/2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.55 207.87 Td (5.1) Tj ET Q q 0 0 0 rg BT 474.05 207.87 Td (1%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.55 207.87 Td (5.91%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 192.87 Td (2017-A) Tj ET Q q 0 0 0 rg BT 81.78 192.87 Td ( Class C Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.65 192.87 Td (50,340) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.65 192.87 Td (48,919) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.20 192.87 Td (4/19/2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.70 192.87 Td (10/15/2021) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.55 192.87 Td (7.40%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.55 192.87 Td (8.01%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 177.87 Td (2017-B Class ) Tj ET Q q 0 0 0 rg BT 107.89 177.87 Td (A) Tj ET Q q 0 0 0 rg BT 114.56 177.87 Td ( Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.65 177.87 Td (361,400) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 177.87 Td (358,945) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.70 177.87 Td (12/20/2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.20 177.87 Td (7/15/2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.55 177.87 Td (2.73%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.55 177.87 Td (4.32%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 162.87 Td (2017-B Class B Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.65 162.87 Td (132,180) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.65 162.87 Td (131,281) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.70 162.87 Td (12/20/2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.20 162.87 Td (4/15/2021) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.55 162.87 Td (4.52%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.55 162.87 Td (5.46%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 147.87 Td (2017-B Class C Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.65 147.87 Td (78,640) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.65 147.87 Td (77,843) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.70 147.87 Td (12/20/2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.90 147.87 Td (1) Tj ET Q q 0 0 0 rg BT 393.53 147.87 Td (1/15/2022) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.55 147.87 Td (5.95%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.55 147.87 Td (6.80%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 132.87 Td (T) Tj ET Q q 0 0 0 rg BT 56.91 132.87 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.50 132.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.10 132.87 Td (1,154,010) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.50 132.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.10 132.87 Td (1,133,325) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 110.70 Td (\(1\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 110.70 Td (After ) Tj ET Q q 0 0 0 rg BT 91.10 110.70 Td (giving ) Tj ET Q q 0 0 0 rg BT 119.16 110.70 Td (ef) Tj ET Q q 0 0 0 rg BT 126.74 110.70 Td (fect ) Tj ET Q q 0 0 0 rg BT 144.23 110.70 Td (to ) Tj ET Q q 0 0 0 rg BT 154.51 110.70 Td (debt ) Tj ET Q q 0 0 0 rg BT 174.22 110.70 Td (issuance ) Tj ET Q q 0 0 0 rg BT 210.60 110.70 Td (costs ) Tj ET Q q 0 0 0 rg BT 233.10 110.70 Td (and ) Tj ET Q q 0 0 0 rg BT 250.04 110.70 Td (restricted ) Tj ET Q q 0 0 0 rg BT 289.74 110.70 Td (cash ) Tj ET Q q 0 0 0 rg BT 310.01 110.70 Td (held ) Tj ET Q q 0 0 0 rg BT 329.73 110.70 Td (by ) Tj ET Q q 0 0 0 rg BT 342.23 110.70 Td (the ) Tj ET Q q 0 0 0 rg BT 356.76 110.70 Td (VIEs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.81 110.70 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 92.70 Td (\(2\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 92.70 Td (For ) Tj ET Q q 0 0 0 rg BT 83.89 92.70 Td (the ) Tj ET Q q 0 0 0 rg BT 98.61 92.70 Td (year ) Tj ET Q q 0 0 0 rg BT 118.32 92.70 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.69 92.70 Td (January31, ) Tj ET Q q 0 0 0 rg BT 193.29 92.70 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.29 92.70 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.29 92.70 Td (and ) Tj ET Q q 0 0 0 rg BT 235.23 92.70 Td (inclusive ) Tj ET Q q 0 0 0 rg BT 273.83 92.70 Td (of ) Tj ET Q q 0 0 0 rg BT 284.66 92.70 Td (the ) Tj ET Q q 0 0 0 rg BT 299.38 92.70 Td (impact ) Tj ET Q q 0 0 0 rg BT 329.09 92.70 Td (of ) Tj ET Q q 0 0 0 rg BT 339.92 92.70 Td (changes ) Tj ET Q q 0 0 0 rg BT 374.63 92.70 Td (in ) Tj ET Q q 0 0 0 rg BT 384.91 92.70 Td (timing ) Tj ET Q q 0 0 0 rg BT 413.52 92.70 Td (of ) Tj ET Q q 0 0 0 rg BT 424.35 92.70 Td (actual ) Tj ET Q q 0 0 0 rg BT 450.72 92.70 Td (and ) Tj ET Q q 0 0 0 rg BT 467.66 92.70 Td (expected ) Tj ET Q q 0 0 0 rg BT 505.69 92.70 Td (cash ) Tj ET Q q 0 0 0 rg BT 525.96 92.70 Td (flows. ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 74.70 Td (On ) Tj ET Q q 0 0 0 rg BT 63.44 74.70 Td (May ) Tj ET Q q 0 0 0 rg BT 83.50 74.70 Td (15, ) Tj ET Q q 0 0 0 rg BT 97.72 74.70 Td (2017, ) Tj ET Q q 0 0 0 rg BT 121.94 74.70 Td (the ) Tj ET Q q 0 0 0 rg BT 135.88 74.70 Td (Company ) Tj ET Q q 0 0 0 rg BT 176.49 74.70 Td (completed ) Tj ET Q q 0 0 0 rg BT 219.86 74.70 Td (the ) Tj ET Q q 0 0 0 rg BT 233.80 74.70 Td (redemption ) Tj ET Q q 0 0 0 rg BT 281.07 74.70 Td (of ) Tj ET Q q 0 0 0 rg BT 291.12 74.70 Td (its ) Tj ET Q q 0 0 0 rg BT 302.29 74.70 Td (Series ) Tj ET Q q 0 0 0 rg BT 328.45 74.70 Td (2015-A) Tj ET Q q 0 0 0 rg BT 358.45 74.70 Td ( ) Tj ET Q q 0 0 0 rg BT 360.18 74.70 Td (Class ) Tj ET Q q 0 0 0 rg BT 383.57 74.70 Td (B ) Tj ET Q q 0 0 0 rg BT 391.96 74.70 Td (Notes ) Tj ET Q q 0 0 0 rg BT 417.01 74.70 Td (\(collectively) Tj ET Q q 0 0 0 rg BT 466.34 74.70 Td (, ) Tj ET Q q 0 0 0 rg BT 470.56 74.70 Td (the ) Tj ET Q q 0 0 0 rg BT 484.50 74.70 Td ("2015-A) Tj ET Q q 0 0 0 rg BT 518.58 74.70 Td ( ) Tj ET Q q 0 0 0 rg BT 520.31 74.70 Td (Redeemed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 62.70 Td (Notes"\) ) Tj ET Q q 0 0 0 rg BT 82.79 62.70 Td (at ) Tj ET Q q 0 0 0 rg BT 92.55 62.70 Td (an ) Tj ET Q q 0 0 0 rg BT 104.53 62.70 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 145.94 62.70 Td (redemption ) Tj ET Q q 0 0 0 rg BT 194.02 62.70 Td (price ) Tj ET Q q 0 0 0 rg BT 216.55 62.70 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.42 62.70 Td ($1) Tj ET Q q 0 0 0 rg BT 237.05 62.70 Td (14.1 ) Tj ET Q q 0 0 0 rg BT 257.10 62.70 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.99 62.70 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.53 62.70 Td (\(which ) Tj ET Q q 0 0 0 rg BT 318.85 62.70 Td (was ) Tj ET Q q 0 0 0 rg BT 336.94 62.70 Td (equal ) Tj ET Q q 0 0 0 rg BT 361.14 62.70 Td (to ) Tj ET Q q 0 0 0 rg BT 371.46 62.70 Td (the ) Tj ET Q q 0 0 0 rg BT 386.22 62.70 Td (entire ) Tj ET Q q 0 0 0 rg BT 411.53 62.70 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 460.74 62.70 Td (principal ) Tj ET Q q 0 0 0 rg BT 498.83 62.70 Td (of, ) Tj ET Q q 0 0 0 rg BT 512.20 62.70 Td (plus ) Tj ET Q q 0 0 0 rg BT 531.41 62.70 Td (accrued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 50.70 Td (interest ) Tj ET Q q 0 0 0 rg BT 80.94 50.70 Td (on, ) Tj ET Q q 0 0 0 rg BT 95.44 50.70 Td (the ) Tj ET Q q 0 0 0 rg BT 109.66 50.70 Td (2015-A) Tj ET Q q 0 0 0 rg BT 139.66 50.70 Td ( ) Tj ET Q q 0 0 0 rg BT 141.66 50.70 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 185.86 50.70 Td (Notes\). ) Tj ET Q q 0 0 0 rg BT 217.02 50.70 Td ( ) Tj ET Q q 0 0 0 rg BT 218.88 50.70 Td (The ) Tj ET Q q 0 0 0 rg BT 236.43 50.70 Td (net ) Tj ET Q q 0 0 0 rg BT 250.65 50.70 Td (funds ) Tj ET Q q 0 0 0 rg BT 274.87 50.70 Td (used ) Tj ET Q q 0 0 0 rg BT 295.21 50.70 Td (to ) Tj ET Q q 0 0 0 rg BT 304.99 50.70 Td (call ) Tj ET Q q 0 0 0 rg BT 321.42 50.70 Td (the ) Tj ET Q q 0 0 0 rg BT 335.64 50.70 Td (notes ) Tj ET Q q 0 0 0 rg BT 358.75 50.70 Td (was) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.30 50.70 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.30 50.70 Td ($78.8 ) Tj ET Q q 0 0 0 rg BT 400.81 50.70 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.70 50.70 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.20 50.70 Td (which ) Tj ET Q q 0 0 0 rg BT 460.64 50.70 Td (is ) Tj ET Q q 0 0 0 rg BT 469.31 50.70 Td (equal ) Tj ET Q q 0 0 0 rg BT 492.97 50.70 Td (to ) Tj ET Q q 0 0 0 rg BT 502.75 50.70 Td (the ) Tj ET Q q 0 0 0 rg BT 516.97 50.70 Td (redemption ) Tj ET Q endstream endobj 155 0 obj <>] /Rotate 0 /Contents 156 0 R>> endobj 156 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (76) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 731.10 Td (price ) Tj ET Q q 0 0 0 rg BT 72.91 731.10 Td (less ) Tj ET Q q 0 0 0 rg BT 91.33 731.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 142.52 731.10 Td (of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.85 731.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.28 731.10 Td ($35.3 ) Tj ET Q q 0 0 0 rg BT 180.20 731.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.09 731.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.51 731.10 Td (for ) Tj ET Q q 0 0 0 rg BT 227.59 731.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 253.24 731.10 Td (held ) Tj ET Q q 0 0 0 rg BT 273.88 731.10 Td (in ) Tj ET Q q 0 0 0 rg BT 285.08 731.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 317.37 731.10 Td (and ) Tj ET Q q 0 0 0 rg BT 335.23 731.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 378.08 731.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 416.48 731.10 Td (in ) Tj ET Q q 0 0 0 rg BT 427.68 731.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 476.07 731.10 Td (with ) Tj ET Q q 0 0 0 rg BT 497.27 731.10 Td (the ) Tj ET Q q 0 0 0 rg BT 512.91 731.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 538.54 731.10 Td (of ) Tj ET Q q 0 0 0 rg BT 550.30 731.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 719.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 93.46 719.10 Td (indenture ) Tj ET Q q 0 0 0 rg BT 134.08 719.10 Td (governing ) Tj ET Q q 0 0 0 rg BT 177.50 719.10 Td (the ) Tj ET Q q 0 0 0 rg BT 192.58 719.10 Td (2015-A) Tj ET Q q 0 0 0 rg BT 222.58 719.10 Td ( ) Tj ET Q q 0 0 0 rg BT 225.45 719.10 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 270.52 719.10 Td (Notes. ) Tj ET Q q 0 0 0 rg BT 299.21 719.10 Td ( ) Tj ET Q q 0 0 0 rg BT 301.87 719.10 Td (The ) Tj ET Q q 0 0 0 rg BT 320.28 719.10 Td (net ) Tj ET Q q 0 0 0 rg BT 335.37 719.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 360.46 719.10 Td (used ) Tj ET Q q 0 0 0 rg BT 381.65 719.10 Td (to ) Tj ET Q q 0 0 0 rg BT 392.30 719.10 Td (call ) Tj ET Q q 0 0 0 rg BT 409.60 719.10 Td (the ) Tj ET Q q 0 0 0 rg BT 424.68 719.10 Td (2015-A) Tj ET Q q 0 0 0 rg BT 454.68 719.10 Td ( ) Tj ET Q q 0 0 0 rg BT 457.54 719.10 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 502.61 719.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 528.81 719.10 Td (of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.14 719.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.01 719.10 Td ($78.8 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 707.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 707.10 Td ( ) Tj ET Q q 0 0 0 rg BT 81.29 707.10 Td (w) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.51 707.10 Td (as ) Tj ET Q q 0 0 0 rg BT 99.74 707.10 Td (transferred ) Tj ET Q q 0 0 0 rg BT 145.94 707.10 Td (from ) Tj ET Q q 0 0 0 rg BT 168.28 707.10 Td (the ) Tj ET Q q 0 0 0 rg BT 183.39 707.10 Td (Guarantors ) Tj ET Q q 0 0 0 rg BT 230.72 707.10 Td (to ) Tj ET Q q 0 0 0 rg BT 241.40 707.10 Td (the ) Tj ET Q q 0 0 0 rg BT 256.51 707.10 Td (Non-Guarantor ) Tj ET Q q 0 0 0 rg BT 320.50 707.10 Td (Subsidiary ) Tj ET Q q 0 0 0 rg BT 366.17 707.10 Td (in ) Tj ET Q q 0 0 0 rg BT 376.85 707.10 Td (exchange ) Tj ET Q q 0 0 0 rg BT 417.50 707.10 Td (for ) Tj ET Q q 0 0 0 rg BT 432.06 707.10 Td (the ) Tj ET Q q 0 0 0 rg BT 447.18 707.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 493.40 707.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 534.06 707.10 Td (held ) Tj ET Q q 0 0 0 rg BT 554.18 707.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 695.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 88.79 695.10 Td (on ) Tj ET Q q 0 0 0 rg BT 100.89 695.10 Td (the ) Tj ET Q q 0 0 0 rg BT 115.20 695.10 Td (2015-A) Tj ET Q q 0 0 0 rg BT 145.20 695.10 Td ( ) Tj ET Q q 0 0 0 rg BT 147.30 695.10 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 191.60 695.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 217.02 695.10 Td (with ) Tj ET Q q 0 0 0 rg BT 236.90 695.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 272.31 695.10 Td (value ) Tj ET Q q 0 0 0 rg BT 296.06 695.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.49 695.10 Td ($126.3 ) Tj ET Q q 0 0 0 rg BT 336.08 695.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.98 695.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.07 695.10 Td (as ) Tj ET Q q 0 0 0 rg BT 377.50 695.10 Td (of ) Tj ET Q q 0 0 0 rg BT 387.46 695.10 Td (April ) Tj ET Q q 0 0 0 rg BT 410.67 695.10 Td (30, ) Tj ET Q q 0 0 0 rg BT 425.26 695.10 Td (2017. ) Tj ET Q q 0 0 0 rg BT 449.86 695.10 Td ( ) Tj ET Q q 0 0 0 rg BT 451.95 695.10 Td (In ) Tj ET Q q 0 0 0 rg BT 462.38 695.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 508.35 695.10 Td (with ) Tj ET Q q 0 0 0 rg BT 528.22 695.10 Td (the ) Tj ET Q q 0 0 0 rg BT 542.54 695.10 Td (early ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 683.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 97.54 683.10 Td (of ) Tj ET Q q 0 0 0 rg BT 108.37 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 123.09 683.10 Td (2015-A) Tj ET Q q 0 0 0 rg BT 153.09 683.10 Td ( ) Tj ET Q q 0 0 0 rg BT 155.59 683.10 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 200.29 683.10 Td (Notes, ) Tj ET Q q 0 0 0 rg BT 228.62 683.10 Td (we ) Tj ET Q q 0 0 0 rg BT 242.78 683.10 Td (wrote-of) Tj ET Q q 0 0 0 rg BT 277.03 683.10 Td (f) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.36 683.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.86 683.10 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 302.86 683.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.75 683.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.25 683.10 Td (of ) Tj ET Q q 0 0 0 rg BT 345.08 683.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 364.80 683.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 401.17 683.10 Td (costs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.67 683.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 665.10 Td (On ) Tj ET Q q 0 0 0 rg BT 64.39 665.10 Td (August ) Tj ET Q q 0 0 0 rg BT 96.70 665.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 112.62 665.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 138.54 665.10 Td (af) Tj ET Q q 0 0 0 rg BT 146.13 665.10 Td (filiates ) Tj ET Q q 0 0 0 rg BT 176.76 665.10 Td (of ) Tj ET Q q 0 0 0 rg BT 188.51 665.10 Td (the ) Tj ET Q q 0 0 0 rg BT 204.15 665.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 246.46 665.10 Td (closed ) Tj ET Q q 0 0 0 rg BT 275.42 665.10 Td (on ) Tj ET Q q 0 0 0 rg BT 288.84 665.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.70 665.10 Td ($79.9 ) Tj ET Q q 0 0 0 rg BT 322.62 665.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.51 665.10 Td ( ) Tj ET Q q 0 0 0 rg BT 354.93 665.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 396.12 665.10 Td (under ) Tj ET Q q 0 0 0 rg BT 422.31 665.10 Td (a ) Tj ET Q q 0 0 0 rg BT 430.17 665.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 478.56 665.10 Td (warehouse ) Tj ET Q q 0 0 0 rg BT 524.74 665.10 Td (financing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 653.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 95.43 653.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 126.91 653.10 Td (into ) Tj ET Q q 0 0 0 rg BT 144.52 653.10 Td (on ) Tj ET Q q 0 0 0 rg BT 156.12 653.10 Td (August ) Tj ET Q q 0 0 0 rg BT 187.06 653.10 Td (8, ) Tj ET Q q 0 0 0 rg BT 196.62 653.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 218.67 653.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 236.27 653.10 Td ("W) Tj ET Q q 0 0 0 rg BT 248.99 653.10 Td (arehouse ) Tj ET Q q 0 0 0 rg BT 286.59 653.10 Td (Financing"\). ) Tj ET Q q 0 0 0 rg BT 338.55 653.10 Td ( ) Tj ET Q q 0 0 0 rg BT 340.45 653.10 Td (The ) Tj ET Q q 0 0 0 rg BT 358.06 653.10 Td (net ) Tj ET Q q 0 0 0 rg BT 372.33 653.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 409.92 653.10 Td (of ) Tj ET Q q 0 0 0 rg BT 420.30 653.10 Td (the ) Tj ET Q q 0 0 0 rg BT 434.43 653.10 Td (W) Tj ET Q q 0 0 0 rg BT 443.06 653.10 Td (arehouse ) Tj ET Q q 0 0 0 rg BT 480.66 653.10 Td (Financing ) Tj ET Q q 0 0 0 rg BT 522.71 653.10 Td (were ) Tj ET Q q 0 0 0 rg BT 544.19 653.10 Td (used ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 641.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.25 641.10 Td (prepay ) Tj ET Q q 0 0 0 rg BT 90.43 641.10 Td (in ) Tj ET Q q 0 0 0 rg BT 101.18 641.10 Td (full ) Tj ET Q q 0 0 0 rg BT 118.04 641.10 Td (the ) Tj ET Q q 0 0 0 rg BT 133.24 641.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 160.65 641.10 Td (2016-A) Tj ET Q q 0 0 0 rg BT 190.65 641.10 Td ( ) Tj ET Q q 0 0 0 rg BT 193.62 641.10 Td (Class ) Tj ET Q q 0 0 0 rg BT 218.26 641.10 Td (B ) Tj ET Q q 0 0 0 rg BT 227.91 641.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 254.21 641.10 Td (and ) Tj ET Q q 0 0 0 rg BT 271.62 641.10 Td (Class ) Tj ET Q q 0 0 0 rg BT 296.27 641.10 Td (C ) Tj ET Q q 0 0 0 rg BT 305.91 641.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 332.21 641.10 Td (\(collectively) Tj ET Q q 0 0 0 rg BT 381.54 641.10 Td (, ) Tj ET Q q 0 0 0 rg BT 387.01 641.10 Td (the ) Tj ET Q q 0 0 0 rg BT 402.21 641.10 Td ("2016-A) Tj ET Q q 0 0 0 rg BT 436.29 641.10 Td ( ) Tj ET Q q 0 0 0 rg BT 439.26 641.10 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 484.44 641.10 Td (Notes"\), ) Tj ET Q q 0 0 0 rg BT 520.65 641.10 Td (which ) Tj ET Q q 0 0 0 rg BT 548.06 641.10 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 629.10 Td (been ) Tj ET Q q 0 0 0 rg BT 70.66 629.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 97.95 629.10 Td (by ) Tj ET Q q 0 0 0 rg BT 110.24 629.10 Td (Conn) Tj ET Q q 0 0 0 rg BT 134.69 629.10 Td (s ) Tj ET Q q 0 0 0 rg BT 140.87 629.10 Td (Receivables ) Tj ET Q q 0 0 0 rg BT 191.47 629.10 Td (Funding ) Tj ET Q q 0 0 0 rg BT 227.09 629.10 Td (2016-A, ) Tj ET Q q 0 0 0 rg BT 262.43 629.10 Td (LLC ) Tj ET Q q 0 0 0 rg BT 283.61 629.10 Td (under ) Tj ET Q q 0 0 0 rg BT 308.66 629.10 Td (a ) Tj ET Q q 0 0 0 rg BT 315.39 629.10 Td (securitization ) Tj ET Q q 0 0 0 rg BT 371.54 629.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 417.70 629.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 449.41 629.10 Td (into ) Tj ET Q q 0 0 0 rg BT 467.26 629.10 Td (on ) Tj ET Q q 0 0 0 rg BT 479.55 629.10 Td (March ) Tj ET Q q 0 0 0 rg BT 507.93 629.10 Td (17, ) Tj ET Q q 0 0 0 rg BT 522.72 629.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 547.51 629.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 617.10 Td (were ) Tj ET Q q 0 0 0 rg BT 71.43 617.10 Td (still ) Tj ET Q q 0 0 0 rg BT 88.93 617.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 138.10 617.10 Td (as ) Tj ET Q q 0 0 0 rg BT 148.93 617.10 Td (of ) Tj ET Q q 0 0 0 rg BT 159.21 617.10 Td (August ) Tj ET Q q 0 0 0 rg BT 190.60 617.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 205.60 617.10 Td (2017. ) Tj ET Q q 0 0 0 rg BT 230.60 617.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 599.10 Td (On ) Tj ET Q q 0 0 0 rg BT 63.88 599.10 Td (August ) Tj ET Q q 0 0 0 rg BT 95.54 599.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 110.81 599.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 136.08 599.10 Td (the ) Tj ET Q q 0 0 0 rg BT 151.07 599.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 192.73 599.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 237.15 599.10 Td (the ) Tj ET Q q 0 0 0 rg BT 252.13 599.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 300.44 599.10 Td (of ) Tj ET Q q 0 0 0 rg BT 311.54 599.10 Td (the ) Tj ET Q q 0 0 0 rg BT 326.53 599.10 Td (2016-A) Tj ET Q q 0 0 0 rg BT 356.53 599.10 Td ( ) Tj ET Q q 0 0 0 rg BT 359.30 599.10 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 404.27 599.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 430.37 599.10 Td (at ) Tj ET Q q 0 0 0 rg BT 440.36 599.10 Td (an ) Tj ET Q q 0 0 0 rg BT 452.57 599.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 494.20 599.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 542.51 599.10 Td (price ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 587.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.79 587.10 Td ($102.9 ) Tj ET Q q 0 0 0 rg BT 89.25 587.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.15 587.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.11 587.10 Td (\(which ) Tj ET Q q 0 0 0 rg BT 149.84 587.10 Td (was ) Tj ET Q q 0 0 0 rg BT 167.35 587.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 190.97 587.10 Td (to ) Tj ET Q q 0 0 0 rg BT 200.71 587.10 Td (the ) Tj ET Q q 0 0 0 rg BT 214.89 587.10 Td (entire ) Tj ET Q q 0 0 0 rg BT 239.61 587.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 288.24 587.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 325.74 587.10 Td (of, ) Tj ET Q q 0 0 0 rg BT 338.54 587.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 357.17 587.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 390.21 587.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 421.61 587.10 Td (and ) Tj ET Q q 0 0 0 rg BT 438.01 587.10 Td (the ) Tj ET Q q 0 0 0 rg BT 452.19 587.10 Td (call ) Tj ET Q q 0 0 0 rg BT 468.58 587.10 Td (premiums ) Tj ET Q q 0 0 0 rg BT 510.54 587.10 Td (on, ) Tj ET Q q 0 0 0 rg BT 525.00 587.10 Td (the ) Tj ET Q q 0 0 0 rg BT 539.18 587.10 Td (2016-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 575.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.17 575.10 Td ( ) Tj ET Q q 0 0 0 rg BT 57.94 575.10 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 101.92 575.10 Td (Notes\). ) Tj ET Q q 0 0 0 rg BT 132.85 575.10 Td ( ) Tj ET Q q 0 0 0 rg BT 134.49 575.10 Td (The ) Tj ET Q q 0 0 0 rg BT 151.81 575.10 Td (net ) Tj ET Q q 0 0 0 rg BT 165.80 575.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 189.79 575.10 Td (used ) Tj ET Q q 0 0 0 rg BT 209.89 575.10 Td (to ) Tj ET Q q 0 0 0 rg BT 219.44 575.10 Td (call ) Tj ET Q q 0 0 0 rg BT 235.65 575.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.63 575.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 272.51 575.10 Td (was) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.07 575.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.84 575.10 Td ($78.6 ) Tj ET Q q 0 0 0 rg BT 314.11 575.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.00 575.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.27 575.10 Td (which ) Tj ET Q q 0 0 0 rg BT 373.48 575.10 Td (is ) Tj ET Q q 0 0 0 rg BT 381.92 575.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 405.35 575.10 Td (to ) Tj ET Q q 0 0 0 rg BT 414.90 575.10 Td (the ) Tj ET Q q 0 0 0 rg BT 428.89 575.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 476.20 575.10 Td (price ) Tj ET Q q 0 0 0 rg BT 497.96 575.10 Td (less ) Tj ET Q q 0 0 0 rg BT 514.73 575.10 Td (adjustments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 563.10 Td (of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.83 563.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.42 563.10 Td ($24.3 ) Tj ET Q q 0 0 0 rg BT 83.51 563.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.40 563.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.99 563.10 Td (for ) Tj ET Q q 0 0 0 rg BT 127.24 563.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 151.05 563.10 Td (held ) Tj ET Q q 0 0 0 rg BT 169.86 563.10 Td (in ) Tj ET Q q 0 0 0 rg BT 179.22 563.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 209.68 563.10 Td (and ) Tj ET Q q 0 0 0 rg BT 225.71 563.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 266.73 563.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 303.30 563.10 Td (in ) Tj ET Q q 0 0 0 rg BT 312.67 563.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 359.22 563.10 Td (with ) Tj ET Q q 0 0 0 rg BT 378.59 563.10 Td (the ) Tj ET Q q 0 0 0 rg BT 392.39 563.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 416.20 563.10 Td (of ) Tj ET Q q 0 0 0 rg BT 426.12 563.10 Td (the ) Tj ET Q q 0 0 0 rg BT 439.92 563.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 482.60 563.10 Td (indenture ) Tj ET Q q 0 0 0 rg BT 521.96 563.10 Td (governing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 551.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.19 551.10 Td (2016-A) Tj ET Q q 0 0 0 rg BT 94.19 551.10 Td ( ) Tj ET Q q 0 0 0 rg BT 96.67 551.10 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 141.35 551.10 Td (Notes. ) Tj ET Q q 0 0 0 rg BT 169.48 551.10 Td (The ) Tj ET Q q 0 0 0 rg BT 187.50 551.10 Td (dif) Tj ET Q q 0 0 0 rg BT 198.43 551.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 230.32 551.10 Td (between ) Tj ET Q q 0 0 0 rg BT 266.11 551.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.81 551.10 Td (net ) Tj ET Q q 0 0 0 rg BT 295.50 551.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 333.52 551.10 Td (of ) Tj ET Q q 0 0 0 rg BT 344.32 551.10 Td (the ) Tj ET Q q 0 0 0 rg BT 358.84 551.10 Td (W) Tj ET Q q 0 0 0 rg BT 367.47 551.10 Td (arehouse ) Tj ET Q q 0 0 0 rg BT 405.49 551.10 Td (Financing ) Tj ET Q q 0 0 0 rg BT 447.96 551.10 Td (and ) Tj ET Q q 0 0 0 rg BT 464.88 551.10 Td (the ) Tj ET Q q 0 0 0 rg BT 479.57 551.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 515.36 551.10 Td (value ) Tj ET Q q 0 0 0 rg BT 539.50 551.10 Td (of ) Tj ET Q q 0 0 0 rg BT 550.30 551.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 539.10 Td (2016-A) Tj ET Q q 0 0 0 rg BT 79.50 539.10 Td ( ) Tj ET Q q 0 0 0 rg BT 82.12 539.10 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 126.95 539.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 152.90 539.10 Td (at ) Tj ET Q q 0 0 0 rg BT 162.74 539.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 210.91 539.10 Td (was ) Tj ET Q q 0 0 0 rg BT 229.08 539.10 Td (used ) Tj ET Q q 0 0 0 rg BT 250.04 539.10 Td (to ) Tj ET Q q 0 0 0 rg BT 260.44 539.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 281.39 539.10 Td (fees, ) Tj ET Q q 0 0 0 rg BT 302.62 539.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 341.34 539.10 Td (and ) Tj ET Q q 0 0 0 rg BT 358.40 539.10 Td (a ) Tj ET Q q 0 0 0 rg BT 365.46 539.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 396.95 539.10 Td (account ) Tj ET Q q 0 0 0 rg BT 430.67 539.10 Td (related ) Tj ET Q q 0 0 0 rg BT 460.50 539.10 Td (to ) Tj ET Q q 0 0 0 rg BT 470.90 539.10 Td (the ) Tj ET Q q 0 0 0 rg BT 485.55 539.10 Td (W) Tj ET Q q 0 0 0 rg BT 494.19 539.10 Td (arehouse ) Tj ET Q q 0 0 0 rg BT 532.35 539.10 Td (facility) Tj ET Q q 0 0 0 rg BT 560.02 539.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 527.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.33 527.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 106.70 527.10 Td (with ) Tj ET Q q 0 0 0 rg BT 126.98 527.10 Td (the ) Tj ET Q q 0 0 0 rg BT 141.70 527.10 Td (early ) Tj ET Q q 0 0 0 rg BT 164.18 527.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 212.22 527.10 Td (of ) Tj ET Q q 0 0 0 rg BT 223.05 527.10 Td (the ) Tj ET Q q 0 0 0 rg BT 237.77 527.10 Td (2016-A) Tj ET Q q 0 0 0 rg BT 267.77 527.10 Td ( ) Tj ET Q q 0 0 0 rg BT 270.27 527.10 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 314.97 527.10 Td (Notes, ) Tj ET Q q 0 0 0 rg BT 343.30 527.10 Td (we ) Tj ET Q q 0 0 0 rg BT 357.46 527.10 Td (wrote-of) Tj ET Q q 0 0 0 rg BT 391.71 527.10 Td (f) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.04 527.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.54 527.10 Td ($0.5 ) Tj ET Q q 0 0 0 rg BT 417.54 527.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.43 527.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.93 527.10 Td (of ) Tj ET Q q 0 0 0 rg BT 459.76 527.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 479.48 527.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 515.86 527.10 Td (costs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.36 527.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 497.10 Td (Revolving ) Tj ET Q q 0 0 0 rg BT 92.94 497.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 120.84 497.10 Td (Facility) Tj ET Q q 0 0 0 rg BT 152.13 497.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.63 497.10 Td ( ) Tj ET Q q 0 0 0 rg BT 156.96 497.10 Td ( ) Tj ET Q q 0 0 0 rg BT 159.30 497.10 Td (On ) Tj ET Q q 0 0 0 rg BT 173.86 497.10 Td (March ) Tj ET Q q 0 0 0 rg BT 202.30 497.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 217.13 497.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 241.97 497.10 Td (Conn's, ) Tj ET Q q 0 0 0 rg BT 274.17 497.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 291.78 497.10 Td (and ) Tj ET Q q 0 0 0 rg BT 308.56 497.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 338.10 497.10 Td (of ) Tj ET Q q 0 0 0 rg BT 348.76 497.10 Td (its ) Tj ET Q q 0 0 0 rg BT 360.55 497.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 410.11 497.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 427.99 497.10 Td ("Borrowers"\) ) Tj ET Q q 0 0 0 rg BT 484.03 497.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 515.80 497.10 Td (into ) Tj ET Q q 0 0 0 rg BT 533.69 497.10 Td (a ) Tj ET Q q 0 0 0 rg BT 540.30 497.10 Td (Third ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 485.10 Td (Amendment ) Tj ET Q q 0 0 0 rg BT 101.06 485.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 118.73 485.10 Td ("Third ) Tj ET Q q 0 0 0 rg BT 146.68 485.10 Td (Amendment"\) ) Tj ET Q q 0 0 0 rg BT 205.65 485.10 Td (to ) Tj ET Q q 0 0 0 rg BT 215.55 485.10 Td (the ) Tj ET Q q 0 0 0 rg BT 229.74 485.10 Td (Third ) Tj ET Q q 0 0 0 rg BT 253.61 485.10 Td (Amended ) Tj ET Q q 0 0 0 rg BT 294.62 485.10 Td (and ) Tj ET Q q 0 0 0 rg BT 311.18 485.10 Td (Restated ) Tj ET Q q 0 0 0 rg BT 347.74 485.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 370.41 485.10 Td (and ) Tj ET Q q 0 0 0 rg BT 386.97 485.10 Td (Security ) Tj ET Q q 0 0 0 rg BT 421.95 485.10 Td (Agreement, ) Tj ET Q q 0 0 0 rg BT 471.00 485.10 Td (dated ) Tj ET Q q 0 0 0 rg BT 494.78 485.10 Td (as ) Tj ET Q q 0 0 0 rg BT 505.23 485.10 Td (of ) Tj ET Q q 0 0 0 rg BT 515.68 485.10 Td (October ) Tj ET Q q 0 0 0 rg BT 550.02 485.10 Td (30, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 473.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 73.85 473.10 Td (with ) Tj ET Q q 0 0 0 rg BT 93.47 473.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 122.52 473.10 Td (lenders, ) Tj ET Q q 0 0 0 rg BT 155.74 473.10 Td (which ) Tj ET Q q 0 0 0 rg BT 182.02 473.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 218.31 473.10 Td (for ) Tj ET Q q 0 0 0 rg BT 231.81 473.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.10 473.10 Td ($750.0 ) Tj ET Q q 0 0 0 rg BT 267.44 473.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.34 473.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.18 473.10 Td (asset-based ) Tj ET Q q 0 0 0 rg BT 345.56 473.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 385.74 473.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 410.34 473.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 440.51 473.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 457.90 473.10 Td ("revolving ) Tj ET Q q 0 0 0 rg BT 502.16 473.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 526.77 473.10 Td (facility"\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 461.10 Td (under ) Tj ET Q q 0 0 0 rg BT 74.77 461.10 Td (which ) Tj ET Q q 0 0 0 rg BT 101.71 461.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 126.97 461.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 174.46 461.10 Td (is ) Tj ET Q q 0 0 0 rg BT 183.63 461.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 214.45 461.10 Td (to ) Tj ET Q q 0 0 0 rg BT 224.73 461.10 Td (a ) Tj ET Q q 0 0 0 rg BT 231.67 461.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 275.83 461.10 Td (base. ) Tj ET Q q 0 0 0 rg BT 298.60 461.10 Td ( ) Tj ET Q q 0 0 0 rg BT 300.92 461.10 Td (The ) Tj ET Q q 0 0 0 rg BT 318.96 461.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 359.79 461.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 385.05 461.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 415.87 461.10 Td (matures ) Tj ET Q q 0 0 0 rg BT 450.03 461.10 Td (on ) Tj ET Q q 0 0 0 rg BT 462.53 461.10 Td (October ) Tj ET Q q 0 0 0 rg BT 497.23 461.10 Td (30, ) Tj ET Q q 0 0 0 rg BT 512.23 461.10 Td (2019.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.73 461.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 443.10 Td (The) Tj ET Q q 0 0 0 rg BT 67.37 443.10 Td (Third ) Tj ET Q q 0 0 0 rg BT 91.40 443.10 Td (Amendment, ) Tj ET Q q 0 0 0 rg BT 145.67 443.10 Td (among ) Tj ET Q q 0 0 0 rg BT 175.22 443.10 Td (other ) Tj ET Q q 0 0 0 rg BT 198.10 443.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 227.38 443.10 Td (\(a\) ) Tj ET Q q 0 0 0 rg BT 240.81 443.10 Td (extended ) Tj ET Q q 0 0 0 rg BT 279.24 443.10 Td (the ) Tj ET Q q 0 0 0 rg BT 293.79 443.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 330.00 443.10 Td (date ) Tj ET Q q 0 0 0 rg BT 348.99 443.10 Td (of ) Tj ET Q q 0 0 0 rg BT 359.65 443.10 Td (the ) Tj ET Q q 0 0 0 rg BT 374.20 443.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 399.30 443.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 429.95 443.10 Td (one ) Tj ET Q q 0 0 0 rg BT 446.72 443.10 Td (year ) Tj ET Q q 0 0 0 rg BT 466.26 443.10 Td (to ) Tj ET Q q 0 0 0 rg BT 476.38 443.10 Td (October ) Tj ET Q q 0 0 0 rg BT 510.92 443.10 Td (30, ) Tj ET Q q 0 0 0 rg BT 525.75 443.10 Td (2019; ) Tj ET Q q 0 0 0 rg BT 550.86 443.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 431.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 88.09 431.10 Td (for ) Tj ET Q q 0 0 0 rg BT 102.79 431.10 Td (a ) Tj ET Q q 0 0 0 rg BT 110.28 431.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 151.08 431.10 Td (in ) Tj ET Q q 0 0 0 rg BT 161.90 431.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.17 431.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 219.07 431.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 276.55 431.10 Td (from) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.99 431.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.03 431.10 Td ($810 ) Tj ET Q q 0 0 0 rg BT 322.08 431.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.97 431.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.01 431.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.83 431.10 Td ($750 ) Tj ET Q q 0 0 0 rg BT 387.88 431.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.77 431.10 Td (; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.59 431.10 Td (\(c\) ) Tj ET Q q 0 0 0 rg BT 436.73 431.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 475.87 431.10 Td (the ) Tj ET Q q 0 0 0 rg BT 491.13 431.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 533.07 431.10 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 419.10 Td (coverage ) Tj ET Q q 0 0 0 rg BT 87.92 419.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 108.58 419.10 Td (covenant ) Tj ET Q q 0 0 0 rg BT 147.01 419.10 Td (to ) Tj ET Q q 0 0 0 rg BT 157.12 419.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 186.10 419.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.66 419.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 241.88 419.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 273.65 419.10 Td (coverage ) Tj ET Q q 0 0 0 rg BT 312.07 419.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 332.73 419.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.85 419.10 Td (1.25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.35 419.10 Td (x ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.68 419.10 Td (as ) Tj ET Q q 0 0 0 rg BT 378.35 419.10 Td (of ) Tj ET Q q 0 0 0 rg BT 389.01 419.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.56 419.10 Td (last ) Tj ET Q q 0 0 0 rg BT 419.79 419.10 Td (day ) Tj ET Q q 0 0 0 rg BT 436.56 419.10 Td (of ) Tj ET Q q 0 0 0 rg BT 447.23 419.10 Td (each ) Tj ET Q q 0 0 0 rg BT 467.88 419.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 491.87 419.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 522.52 419.10 Td (beginning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 407.10 Td (with ) Tj ET Q q 0 0 0 rg BT 69.92 407.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.79 407.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 109.09 407.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 140.05 407.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 166.57 407.10 Td (January ) Tj ET Q q 0 0 0 rg BT 200.31 407.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 215.46 407.10 Td (2018; ) Tj ET Q q 0 0 0 rg BT 240.88 407.10 Td (\(d\) ) Tj ET Q q 0 0 0 rg BT 255.19 407.10 Td (reduced ) Tj ET Q q 0 0 0 rg BT 289.48 407.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.34 407.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 345.88 407.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 366.29 407.10 Td (recovery ) Tj ET Q q 0 0 0 rg BT 403.92 407.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 449.86 407.10 Td (on ) Tj ET Q q 0 0 0 rg BT 462.51 407.10 Td (the ) Tj ET Q q 0 0 0 rg BT 477.37 407.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 516.11 407.10 Td (it ) Tj ET Q q 0 0 0 rg BT 524.31 407.10 Td (owns ) Tj ET Q q 0 0 0 rg BT 548.07 407.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 395.10 Td (manages ) Tj ET Q q 0 0 0 rg BT 86.82 395.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.59 395.10 Td (4.50%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.42 395.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.76 395.10 Td (to ) Tj ET Q q 0 0 0 rg BT 146.87 395.10 Td (4.45% ) Tj ET Q q 0 0 0 rg BT 175.04 395.10 Td (for ) Tj ET Q q 0 0 0 rg BT 189.04 395.10 Td (the ) Tj ET Q q 0 0 0 rg BT 203.59 395.10 Td (first ) Tj ET Q q 0 0 0 rg BT 222.03 395.10 Td (nine ) Tj ET Q q 0 0 0 rg BT 241.58 395.10 Td (months ) Tj ET Q q 0 0 0 rg BT 273.37 395.10 Td (of ) Tj ET Q q 0 0 0 rg BT 284.03 395.10 Td (each ) Tj ET Q q 0 0 0 rg BT 304.68 395.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 328.67 395.10 Td (year) Tj ET Q q 0 0 0 rg BT 345.48 395.10 Td (, ) Tj ET Q q 0 0 0 rg BT 350.32 395.10 Td (and ) Tj ET Q q 0 0 0 rg BT 367.09 395.10 Td (from ) Tj ET Q q 0 0 0 rg BT 388.86 395.10 Td (4.25% ) Tj ET Q q 0 0 0 rg BT 417.03 395.10 Td (to ) Tj ET Q q 0 0 0 rg BT 427.14 395.10 Td (4.20% ) Tj ET Q q 0 0 0 rg BT 455.31 395.10 Td (for ) Tj ET Q q 0 0 0 rg BT 469.30 395.10 Td (the ) Tj ET Q q 0 0 0 rg BT 483.86 395.10 Td (last ) Tj ET Q q 0 0 0 rg BT 500.08 395.10 Td (three ) Tj ET Q q 0 0 0 rg BT 522.40 395.10 Td (months ) Tj ET Q q 0 0 0 rg BT 554.18 395.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 383.10 Td (each ) Tj ET Q q 0 0 0 rg BT 70.04 383.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 93.92 383.10 Td (year; ) Tj ET Q q 0 0 0 rg BT 116.13 383.10 Td (\(e\) ) Tj ET Q q 0 0 0 rg BT 129.45 383.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 167.77 383.10 Td (the ) Tj ET Q q 0 0 0 rg BT 182.21 383.10 Td (definition ) Tj ET Q q 0 0 0 rg BT 223.32 383.10 Td (of ) Tj ET Q q 0 0 0 rg BT 233.87 383.10 Td (EBITDA ) Tj ET Q q 0 0 0 rg BT 281.63 383.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 294.13 383.10 Td (among ) Tj ET Q q 0 0 0 rg BT 323.57 383.10 Td (other ) Tj ET Q q 0 0 0 rg BT 346.35 383.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 375.52 383.10 Td (exclude ) Tj ET Q q 0 0 0 rg BT 408.84 383.10 Td (the ) Tj ET Q q 0 0 0 rg BT 423.28 383.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 452.71 383.10 Td (of ) Tj ET Q q 0 0 0 rg BT 463.27 383.10 Td (non-cash ) Tj ET Q q 0 0 0 rg BT 501.59 383.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 523.25 383.10 Td (write-of) Tj ET Q q 0 0 0 rg BT 555.28 383.10 Td (fs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 371.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 82.52 371.10 Td (to ) Tj ET Q q 0 0 0 rg BT 92.77 371.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 144.68 371.10 Td (in ) Tj ET Q q 0 0 0 rg BT 154.93 371.10 Td (process; ) Tj ET Q q 0 0 0 rg BT 190.18 371.10 Td (\(f\) ) Tj ET Q q 0 0 0 rg BT 202.64 371.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 241.21 371.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.91 371.10 Td (definition ) Tj ET Q q 0 0 0 rg BT 297.26 371.10 Td (of ) Tj ET Q q 0 0 0 rg BT 308.07 371.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 344.97 371.10 Td (Expense ) Tj ET Q q 0 0 0 rg BT 385.76 371.10 Td (to ) Tj ET Q q 0 0 0 rg BT 396.01 371.10 Td (exclude ) Tj ET Q q 0 0 0 rg BT 429.58 371.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 459.26 371.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 509.50 371.10 Td (expenses; ) Tj ET Q q 0 0 0 rg BT 550.85 371.10 Td (\(g\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 359.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 88.54 359.10 Td (various ) Tj ET Q q 0 0 0 rg BT 120.93 359.10 Td (definitions ) Tj ET Q q 0 0 0 rg BT 166.66 359.10 Td (and ) Tj ET Q q 0 0 0 rg BT 184.05 359.10 Td (other ) Tj ET Q q 0 0 0 rg BT 207.54 359.10 Td (related ) Tj ET Q q 0 0 0 rg BT 237.70 359.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 282.32 359.10 Td (to ) Tj ET Q q 0 0 0 rg BT 293.05 359.10 Td (clarify ) Tj ET Q q 0 0 0 rg BT 322.09 359.10 Td (the ) Tj ET Q q 0 0 0 rg BT 337.26 359.10 Td (Company) Tj ET Q q 0 0 0 rg BT 378.92 359.10 Td (s ) Tj ET Q q 0 0 0 rg BT 385.77 359.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 414.27 359.10 Td (to ) Tj ET Q q 0 0 0 rg BT 425.00 359.10 Td (undertake ) Tj ET Q q 0 0 0 rg BT 467.37 359.10 Td (permitted ) Tj ET Q q 0 0 0 rg BT 508.64 359.10 Td (securitization ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 347.10 Td (transactions; ) Tj ET Q q 0 0 0 rg BT 102.81 347.10 Td (\(h\) ) Tj ET Q q 0 0 0 rg BT 117.24 347.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 157.77 347.10 Td (the ) Tj ET Q q 0 0 0 rg BT 172.76 347.10 Td (number ) Tj ET Q q 0 0 0 rg BT 206.07 347.10 Td (of ) Tj ET Q q 0 0 0 rg BT 217.18 347.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 244.94 347.10 Td (cures ) Tj ET Q q 0 0 0 rg BT 268.81 347.10 Td (that ) Tj ET Q q 0 0 0 rg BT 286.58 347.10 Td (may ) Tj ET Q q 0 0 0 rg BT 306.57 347.10 Td (be ) Tj ET Q q 0 0 0 rg BT 318.77 347.10 Td (exercised ) Tj ET Q q 0 0 0 rg BT 359.30 347.10 Td (during ) Tj ET Q q 0 0 0 rg BT 388.18 347.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.17 347.10 Td (term ) Tj ET Q q 0 0 0 rg BT 424.26 347.10 Td (of ) Tj ET Q q 0 0 0 rg BT 435.36 347.10 Td (the ) Tj ET Q q 0 0 0 rg BT 450.35 347.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 494.76 347.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.97 347.10 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.41 347.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.18 347.10 Td (time ) Tj ET Q q 0 0 0 rg BT 554.73 347.10 Td (to) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 335.10 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.50 335.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.36 335.10 Td (times, ) Tj ET Q q 0 0 0 rg BT 92.38 335.10 Td (and ) Tj ET Q q 0 0 0 rg BT 108.67 335.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 148.28 335.10 Td (the ) Tj ET Q q 0 0 0 rg BT 162.35 335.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 204.76 335.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 236.61 335.10 Td (of ) Tj ET Q q 0 0 0 rg BT 246.79 335.10 Td (each ) Tj ET Q q 0 0 0 rg BT 266.97 335.10 Td (such ) Tj ET Q q 0 0 0 rg BT 287.15 335.10 Td (cure ) Tj ET Q q 0 0 0 rg BT 306.21 335.10 Td (from) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.65 335.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.51 335.10 Td ($10 ) Tj ET Q q 0 0 0 rg BT 344.36 335.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.25 335.10 Td ( ) Tj ET Q q 0 0 0 rg BT 375.11 335.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.74 335.10 Td ($20 ) Tj ET Q q 0 0 0 rg BT 401.60 335.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.49 335.10 Td (;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.27 335.10 Td ( ) Tj ET Q q 0 0 0 rg BT 435.13 335.10 Td (and ) Tj ET Q q 0 0 0 rg BT 451.42 335.10 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 462.71 335.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 500.67 335.10 Td (the ) Tj ET Q q 0 0 0 rg BT 514.74 335.10 Td (calculations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 323.10 Td (of ) Tj ET Q q 0 0 0 rg BT 59.44 323.10 Td (T) Tj ET Q q 0 0 0 rg BT 69.29 323.10 Td (angible ) Tj ET Q q 0 0 0 rg BT 100.33 323.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 116.26 323.10 Td (W) Tj ET Q q 0 0 0 rg BT 124.90 323.10 Td (orth ) Tj ET Q q 0 0 0 rg BT 147.05 323.10 Td (and ) Tj ET Q q 0 0 0 rg BT 163.10 323.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 199.13 323.10 Td (Coverage ) Tj ET Q q 0 0 0 rg BT 239.05 323.10 Td (Ratio ) Tj ET Q q 0 0 0 rg BT 266.76 323.10 Td (to ) Tj ET Q q 0 0 0 rg BT 276.15 323.10 Td (deduct ) Tj ET Q q 0 0 0 rg BT 304.41 323.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 333.22 323.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 368.72 323.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 415.86 323.10 Td (to ) Tj ET Q q 0 0 0 rg BT 425.25 323.10 Td (the ) Tj ET Q q 0 0 0 rg BT 439.07 323.10 Td (dif) Tj ET Q q 0 0 0 rg BT 450.00 323.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 481.02 323.10 Td (between ) Tj ET Q q 0 0 0 rg BT 515.95 323.10 Td (a ) Tj ET Q q 0 0 0 rg BT 521.99 323.10 Td (calculated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 311.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 67.56 311.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 98.93 311.10 Td (and ) Tj ET Q q 0 0 0 rg BT 115.87 311.10 Td (the ) Tj ET Q q 0 0 0 rg BT 130.58 311.10 Td (Company) Tj ET Q q 0 0 0 rg BT 172.25 311.10 Td (s ) Tj ET Q q 0 0 0 rg BT 178.64 311.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 216.12 311.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 234.18 311.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 265.54 311.10 Td (on ) Tj ET Q q 0 0 0 rg BT 278.04 311.10 Td (its ) Tj ET Q q 0 0 0 rg BT 289.99 311.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 329.15 311.10 Td (receivables. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.12 311.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 293.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 76.19 293.10 Td (under ) Tj ET Q q 0 0 0 rg BT 101.20 293.10 Td (the ) Tj ET Q q 0 0 0 rg BT 115.67 293.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 156.24 293.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 181.26 293.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 211.82 293.10 Td (bear ) Tj ET Q q 0 0 0 rg BT 231.28 293.10 Td (interest, ) Tj ET Q q 0 0 0 rg BT 265.46 293.10 Td (at ) Tj ET Q q 0 0 0 rg BT 274.93 293.10 Td (our ) Tj ET Q q 0 0 0 rg BT 290.51 293.10 Td (option, ) Tj ET Q q 0 0 0 rg BT 320.81 293.10 Td (at ) Tj ET Q q 0 0 0 rg BT 330.28 293.10 Td (a ) Tj ET Q q 0 0 0 rg BT 336.96 293.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 354.20 293.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 378.10 293.10 Td (to ) Tj ET Q q 0 0 0 rg BT 388.13 293.10 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 420.38 293.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 439.29 293.10 Td (the ) Tj ET Q q 0 0 0 rg BT 453.76 293.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 497.10 293.10 Td (mar) Tj ET Q q 0 0 0 rg BT 512.46 293.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 527.49 293.10 Td (based ) Tj ET Q q 0 0 0 rg BT 552.51 293.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 281.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 81.58 281.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 130.32 281.10 Td (which ) Tj ET Q q 0 0 0 rg BT 158.52 281.10 Td (specifies ) Tj ET Q q 0 0 0 rg BT 197.26 281.10 Td (a ) Tj ET Q q 0 0 0 rg BT 205.46 281.10 Td (mar) Tj ET Q q 0 0 0 rg BT 220.83 281.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 237.37 281.10 Td (ranging ) Tj ET Q q 0 0 0 rg BT 271.67 281.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.87 281.10 Td (2.75%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.70 281.10 Td ( ) Tj ET Q q 0 0 0 rg BT 324.46 281.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.99 281.10 Td (3.25%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.82 281.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.58 281.10 Td (per ) Tj ET Q q 0 0 0 rg BT 382.11 281.10 Td (annum ) Tj ET Q q 0 0 0 rg BT 413.09 281.10 Td (\(depending ) Tj ET Q q 0 0 0 rg BT 461.83 281.10 Td (on ) Tj ET Q q 0 0 0 rg BT 475.59 281.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 515.44 281.10 Td (average ) Tj ET Q q 0 0 0 rg BT 550.28 281.10 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 269.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 96.43 269.10 Td (under ) Tj ET Q q 0 0 0 rg BT 121.15 269.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.31 269.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 178.91 269.10 Td (base\) ) Tj ET Q q 0 0 0 rg BT 201.96 269.10 Td (or ) Tj ET Q q 0 0 0 rg BT 212.23 269.10 Td (the ) Tj ET Q q 0 0 0 rg BT 226.40 269.10 Td (alternate ) Tj ET Q q 0 0 0 rg BT 262.76 269.10 Td (base ) Tj ET Q q 0 0 0 rg BT 282.48 269.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 299.41 269.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 318.02 269.10 Td (a ) Tj ET Q q 0 0 0 rg BT 324.41 269.10 Td (mar) Tj ET Q q 0 0 0 rg BT 339.77 269.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 354.50 269.10 Td (ranging ) Tj ET Q q 0 0 0 rg BT 386.99 269.10 Td (from) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.43 269.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.37 269.10 Td (1.75%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.20 269.10 Td ( ) Tj ET Q q 0 0 0 rg BT 436.15 269.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.87 269.10 Td (2.25%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.70 269.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.65 269.10 Td (per ) Tj ET Q q 0 0 0 rg BT 488.36 269.10 Td (annum ) Tj ET Q q 0 0 0 rg BT 517.53 269.10 Td (\(depending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 257.10 Td (on ) Tj ET Q q 0 0 0 rg BT 61.68 257.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 99.96 257.10 Td (average ) Tj ET Q q 0 0 0 rg BT 133.23 257.10 Td (net ) Tj ET Q q 0 0 0 rg BT 147.63 257.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 194.80 257.10 Td (under ) Tj ET Q q 0 0 0 rg BT 219.75 257.10 Td (the ) Tj ET Q q 0 0 0 rg BT 234.15 257.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 278.00 257.10 Td (base\). ) Tj ET Q q 0 0 0 rg BT 303.62 257.10 Td (The ) Tj ET Q q 0 0 0 rg BT 321.35 257.10 Td (alternate ) Tj ET Q q 0 0 0 rg BT 357.96 257.10 Td (base ) Tj ET Q q 0 0 0 rg BT 377.91 257.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 395.08 257.10 Td (is ) Tj ET Q q 0 0 0 rg BT 403.93 257.10 Td (the ) Tj ET Q q 0 0 0 rg BT 418.33 257.10 Td (greatest ) Tj ET Q q 0 0 0 rg BT 451.61 257.10 Td (of ) Tj ET Q q 0 0 0 rg BT 462.13 257.10 Td (the ) Tj ET Q q 0 0 0 rg BT 476.53 257.10 Td (prime ) Tj ET Q q 0 0 0 rg BT 502.04 257.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 519.21 257.10 Td (announced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 245.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.34 245.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 86.29 245.10 Td (of ) Tj ET Q q 0 0 0 rg BT 96.83 245.10 Td (America, ) Tj ET Q q 0 0 0 rg BT 136.59 245.10 Td (N.A., ) Tj ET Q q 0 0 0 rg BT 161.37 245.10 Td (the ) Tj ET Q q 0 0 0 rg BT 176.43 245.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 207.02 245.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 232.08 245.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 249.90 245.10 Td (plus ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.41 245.10 Td (0.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.24 245.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.58 245.10 Td (or ) Tj ET Q q 0 0 0 rg BT 306.75 245.10 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 339.59 245.10 Td (for ) Tj ET Q q 0 0 0 rg BT 354.08 245.10 Td (a ) Tj ET Q q 0 0 0 rg BT 361.36 245.10 Td (30-day ) Tj ET Q q 0 0 0 rg BT 391.97 245.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 424.24 245.10 Td (period ) Tj ET Q q 0 0 0 rg BT 452.63 245.10 Td (plus) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.30 245.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.13 245.10 Td (1.0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.96 245.10 Td (. ) Tj ET Q q 0 0 0 rg BT 498.30 245.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.94 245.10 Td (W) Tj ET Q q 0 0 0 rg BT 509.57 245.10 Td (e ) Tj ET Q q 0 0 0 rg BT 516.85 245.10 Td (also ) Tj ET Q q 0 0 0 rg BT 535.80 245.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 553.07 245.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 233.10 Td (unused ) Tj ET Q q 0 0 0 rg BT 80.88 233.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 96.13 233.10 Td (on ) Tj ET Q q 0 0 0 rg BT 109.18 233.10 Td (the ) Tj ET Q q 0 0 0 rg BT 124.45 233.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 156.38 233.10 Td (of ) Tj ET Q q 0 0 0 rg BT 167.76 233.10 Td (the ) Tj ET Q q 0 0 0 rg BT 183.03 233.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 240.51 233.10 Td (that ) Tj ET Q q 0 0 0 rg BT 258.56 233.10 Td (is ) Tj ET Q q 0 0 0 rg BT 268.27 233.10 Td (available ) Tj ET Q q 0 0 0 rg BT 307.41 233.10 Td (for ) Tj ET Q q 0 0 0 rg BT 322.12 233.10 Td (future ) Tj ET Q q 0 0 0 rg BT 349.05 233.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 397.65 233.10 Td (or ) Tj ET Q q 0 0 0 rg BT 409.02 233.10 Td (letters ) Tj ET Q q 0 0 0 rg BT 436.51 233.10 Td (of ) Tj ET Q q 0 0 0 rg BT 447.88 233.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 473.70 233.10 Td (at ) Tj ET Q q 0 0 0 rg BT 483.96 233.10 Td (a ) Tj ET Q q 0 0 0 rg BT 491.45 233.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 509.48 233.10 Td (ranging ) Tj ET Q q 0 0 0 rg BT 543.08 233.10 Td (from) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 221.10 Td (0.25%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.33 221.10 Td ( ) Tj ET Q q 0 0 0 rg BT 77.89 221.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.23 221.10 Td (0.75%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.06 221.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.62 221.10 Td (per ) Tj ET Q q 0 0 0 rg BT 131.95 221.10 Td (annum, ) Tj ET Q q 0 0 0 rg BT 164.23 221.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 208.45 221.10 Td (on ) Tj ET Q q 0 0 0 rg BT 221.01 221.10 Td (the ) Tj ET Q q 0 0 0 rg BT 235.78 221.10 Td (average ) Tj ET Q q 0 0 0 rg BT 269.43 221.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 318.66 221.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 351.75 221.10 Td (and ) Tj ET Q q 0 0 0 rg BT 368.75 221.10 Td (letters ) Tj ET Q q 0 0 0 rg BT 395.74 221.10 Td (of ) Tj ET Q q 0 0 0 rg BT 406.63 221.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 431.96 221.10 Td (of ) Tj ET Q q 0 0 0 rg BT 442.85 221.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.63 221.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 498.51 221.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 523.84 221.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 554.72 221.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 209.10 Td (the ) Tj ET Q q 0 0 0 rg BT 63.99 209.10 Td (immediately ) Tj ET Q q 0 0 0 rg BT 116.25 209.10 Td (preceding ) Tj ET Q q 0 0 0 rg BT 157.95 209.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 185.71 209.10 Td (. ) Tj ET Q q 0 0 0 rg BT 190.49 209.10 Td ( ) Tj ET Q q 0 0 0 rg BT 192.60 209.10 Td (The ) Tj ET Q q 0 0 0 rg BT 210.42 209.10 Td (weighted-average ) Tj ET Q q 0 0 0 rg BT 283.76 209.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 315.47 209.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 332.73 209.10 Td (on ) Tj ET Q q 0 0 0 rg BT 345.00 209.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 392.83 209.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 441.77 209.10 Td (and ) Tj ET Q q 0 0 0 rg BT 458.48 209.10 Td (including ) Tj ET Q q 0 0 0 rg BT 498.53 209.10 Td (unused ) Tj ET Q q 0 0 0 rg BT 529.14 209.10 Td (line ) Tj ET Q q 0 0 0 rg BT 546.40 209.10 Td (fees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 197.10 Td (under ) Tj ET Q q 0 0 0 rg BT 74.77 197.10 Td (the ) Tj ET Q q 0 0 0 rg BT 89.49 197.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 130.31 197.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 155.57 197.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 186.39 197.10 Td (was) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.95 197.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.45 197.10 Td (6.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.28 197.10 Td ( ) Tj ET Q q 0 0 0 rg BT 227.78 197.10 Td (for ) Tj ET Q q 0 0 0 rg BT 241.94 197.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 266.09 197.10 Td (year ) Tj ET Q q 0 0 0 rg BT 285.80 197.10 Td (2018.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.30 197.10 Td ( ) Tj ET Q q 0 0 0 rg BT 310.80 197.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 179.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.61 179.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 108.49 179.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 133.82 179.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 164.70 179.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 201.69 179.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 235.36 179.10 Td (based ) Tj ET Q q 0 0 0 rg BT 260.69 179.10 Td (on ) Tj ET Q q 0 0 0 rg BT 273.25 179.10 Td (a ) Tj ET Q q 0 0 0 rg BT 280.25 179.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 324.47 179.10 Td (base ) Tj ET Q q 0 0 0 rg BT 344.80 179.10 Td (calculation ) Tj ET Q q 0 0 0 rg BT 391.23 179.10 Td (that ) Tj ET Q q 0 0 0 rg BT 408.78 179.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 444.67 179.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 483.88 179.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 521.43 179.10 Td (receivable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 167.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.09 167.10 Td (inventory) Tj ET Q q 0 0 0 rg BT 104.77 167.10 Td (, ) Tj ET Q q 0 0 0 rg BT 110.42 167.10 Td (and ) Tj ET Q q 0 0 0 rg BT 128.01 167.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 165.60 167.10 Td (for ) Tj ET Q q 0 0 0 rg BT 180.41 167.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.00 167.10 Td ($40.0 ) Tj ET Q q 0 0 0 rg BT 213.65 167.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.54 167.10 Td ( ) Tj ET Q q 0 0 0 rg BT 245.70 167.10 Td (s) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.59 167.10 Td (ub-facility ) Tj ET Q q 0 0 0 rg BT 294.39 167.10 Td (for ) Tj ET Q q 0 0 0 rg BT 309.20 167.10 Td (letters ) Tj ET Q q 0 0 0 rg BT 336.79 167.10 Td (of ) Tj ET Q q 0 0 0 rg BT 348.27 167.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 374.19 167.10 Td (to ) Tj ET Q q 0 0 0 rg BT 385.12 167.10 Td (support ) Tj ET Q q 0 0 0 rg BT 418.27 167.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 465.86 167.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 502.33 167.10 Td (in ) Tj ET Q q 0 0 0 rg BT 513.26 167.10 Td (the ) Tj ET Q q 0 0 0 rg BT 528.63 167.10 Td (ordinary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 155.10 Td (course ) Tj ET Q q 0 0 0 rg BT 78.94 155.10 Td (of ) Tj ET Q q 0 0 0 rg BT 90.61 155.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 130.10 155.10 Td (The ) Tj ET Q q 0 0 0 rg BT 148.99 155.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 196.78 155.10 Td (under ) Tj ET Q q 0 0 0 rg BT 222.89 155.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.44 155.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 280.11 155.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 306.21 155.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 337.88 155.10 Td (are ) Tj ET Q q 0 0 0 rg BT 353.42 155.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 387.30 155.10 Td (by ) Tj ET Q q 0 0 0 rg BT 400.64 155.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 454.54 155.10 Td (all ) Tj ET Q q 0 0 0 rg BT 467.87 155.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 494.55 155.10 Td (of ) Tj ET Q q 0 0 0 rg BT 506.22 155.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.77 155.10 Td (Company) Tj ET Q q 0 0 0 rg BT 560.01 155.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 143.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 91.85 143.10 Td (the ) Tj ET Q q 0 0 0 rg BT 106.98 143.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 133.22 143.10 Td (of ) Tj ET Q q 0 0 0 rg BT 144.47 143.10 Td (the ) Tj ET Q q 0 0 0 rg BT 159.39 143.10 Td (VIEs. ) Tj ET Q q 0 0 0 rg BT 185.35 143.10 Td ( ) Tj ET Q q 0 0 0 rg BT 187.62 143.10 Td (As ) Tj ET Q q 0 0 0 rg BT 201.65 143.10 Td (of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.98 143.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.89 143.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 261.91 143.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.91 143.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.32 143.10 Td (we ) Tj ET Q q 0 0 0 rg BT 301.90 143.10 Td (had ) Tj ET Q q 0 0 0 rg BT 319.25 143.10 Td (immediately ) Tj ET Q q 0 0 0 rg BT 372.15 143.10 Td (available ) Tj ET Q q 0 0 0 rg BT 411.15 143.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 455.72 143.10 Td (capacity ) Tj ET Q q 0 0 0 rg BT 491.95 143.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.19 143.10 Td ($207.6 ) Tj ET Q q 0 0 0 rg BT 533.61 143.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.50 143.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 131.10 Td (under ) Tj ET Q q 0 0 0 rg BT 75.33 131.10 Td (our ) Tj ET Q q 0 0 0 rg BT 91.72 131.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 133.10 131.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 158.92 131.10 Td (facility) Tj ET Q q 0 0 0 rg BT 186.59 131.10 Td (, ) Tj ET Q q 0 0 0 rg BT 192.15 131.10 Td (net ) Tj ET Q q 0 0 0 rg BT 207.43 131.10 Td (of ) Tj ET Q q 0 0 0 rg BT 218.82 131.10 Td (standby ) Tj ET Q q 0 0 0 rg BT 252.99 131.10 Td (letters ) Tj ET Q q 0 0 0 rg BT 280.48 131.10 Td (of ) Tj ET Q q 0 0 0 rg BT 291.87 131.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 317.69 131.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 345.75 131.10 Td (of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.08 131.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.14 131.10 Td ($2.8 ) Tj ET Q q 0 0 0 rg BT 377.70 131.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.59 131.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.93 131.10 Td (W) Tj ET Q q 0 0 0 rg BT 420.57 131.10 Td (e ) Tj ET Q q 0 0 0 rg BT 428.06 131.10 Td (also ) Tj ET Q q 0 0 0 rg BT 447.23 131.10 Td (had) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.67 131.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.73 131.10 Td ($462.6 ) Tj ET Q q 0 0 0 rg BT 495.29 131.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.18 131.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.24 131.10 Td (that ) Tj ET Q q 0 0 0 rg BT 545.29 131.10 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 119.10 Td (become ) Tj ET Q q 0 0 0 rg BT 83.77 119.10 Td (available ) Tj ET Q q 0 0 0 rg BT 123.03 119.10 Td (under ) Tj ET Q q 0 0 0 rg BT 148.97 119.10 Td (our ) Tj ET Q q 0 0 0 rg BT 165.47 119.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 206.97 119.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 232.91 119.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 264.40 119.10 Td (if ) Tj ET Q q 0 0 0 rg BT 273.68 119.10 Td (we ) Tj ET Q q 0 0 0 rg BT 288.51 119.10 Td (grow ) Tj ET Q q 0 0 0 rg BT 312.24 119.10 Td (the ) Tj ET Q q 0 0 0 rg BT 327.63 119.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 361.33 119.10 Td (of ) Tj ET Q q 0 0 0 rg BT 372.84 119.10 Td (eligible ) Tj ET Q q 0 0 0 rg BT 406.00 119.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 445.83 119.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 493.97 119.10 Td (and ) Tj ET Q q 0 0 0 rg BT 511.58 119.10 Td (total ) Tj ET Q q 0 0 0 rg BT 532.53 119.10 Td (eligible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 107.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 90.33 107.10 Td (balances. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.75 107.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 89.10 Td (The ) Tj ET Q q 0 0 0 rg BT 69.19 89.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 111.65 89.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 138.55 89.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 171.01 89.10 Td (places ) Tj ET Q q 0 0 0 rg BT 200.13 89.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 248.71 89.10 Td (on ) Tj ET Q q 0 0 0 rg BT 262.85 89.10 Td (our ) Tj ET Q q 0 0 0 rg BT 280.31 89.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 310.00 89.10 Td (to ) Tj ET Q q 0 0 0 rg BT 321.92 89.10 Td (incur ) Tj ET Q q 0 0 0 rg BT 346.61 89.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 390.74 89.10 Td (indebtedness, ) Tj ET Q q 0 0 0 rg BT 449.03 89.10 Td (grant ) Tj ET Q q 0 0 0 rg BT 473.72 89.10 Td (liens ) Tj ET Q q 0 0 0 rg BT 496.74 89.10 Td (on ) Tj ET Q q 0 0 0 rg BT 510.88 89.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 540.85 89.10 Td (make ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 77.10 Td (distributions ) Tj ET Q q 0 0 0 rg BT 101.77 77.10 Td (on ) Tj ET Q q 0 0 0 rg BT 114.03 77.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 141.28 77.10 Td (interests, ) Tj ET Q q 0 0 0 rg BT 179.37 77.10 Td (dispose ) Tj ET Q q 0 0 0 rg BT 211.63 77.10 Td (of ) Tj ET Q q 0 0 0 rg BT 222.22 77.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 250.31 77.10 Td (make ) Tj ET Q q 0 0 0 rg BT 274.23 77.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 300.10 77.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 316.79 77.10 Td (other ) Tj ET Q q 0 0 0 rg BT 339.60 77.10 Td (indebtedness, ) Tj ET Q q 0 0 0 rg BT 396.02 77.10 Td (engage ) Tj ET Q q 0 0 0 rg BT 426.59 77.10 Td (in ) Tj ET Q q 0 0 0 rg BT 436.63 77.10 Td (mer) Tj ET Q q 0 0 0 rg BT 452.00 77.10 Td (gers, ) Tj ET Q q 0 0 0 rg BT 473.42 77.10 Td (and ) Tj ET Q q 0 0 0 rg BT 490.12 77.10 Td (other ) Tj ET Q q 0 0 0 rg BT 512.93 77.10 Td (matters. ) Tj ET Q q 0 0 0 rg BT 546.96 77.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 65.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 90.56 65.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 116.06 65.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 147.12 65.10 Td (restricts ) Tj ET Q q 0 0 0 rg BT 181.51 65.10 Td (our ) Tj ET Q q 0 0 0 rg BT 197.58 65.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 225.87 65.10 Td (to ) Tj ET Q q 0 0 0 rg BT 236.38 65.10 Td (make ) Tj ET Q q 0 0 0 rg BT 260.77 65.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 302.40 65.10 Td (and ) Tj ET Q q 0 0 0 rg BT 319.57 65.10 Td (distributions ) Tj ET Q q 0 0 0 rg BT 372.31 65.10 Td (unless ) Tj ET Q q 0 0 0 rg BT 400.05 65.10 Td (no ) Tj ET Q q 0 0 0 rg BT 412.79 65.10 Td (event ) Tj ET Q q 0 0 0 rg BT 437.18 65.10 Td (of ) Tj ET Q q 0 0 0 rg BT 448.25 65.10 Td (default ) Tj ET Q q 0 0 0 rg BT 478.75 65.10 Td (exists ) Tj ET Q q 0 0 0 rg BT 504.26 65.10 Td (and ) Tj ET Q q 0 0 0 rg BT 521.44 65.10 Td (a ) Tj ET Q q 0 0 0 rg BT 528.61 65.10 Td (liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 53.10 Td (test ) Tj ET Q q 0 0 0 rg BT 65.73 53.10 Td (is ) Tj ET Q q 0 0 0 rg BT 74.74 53.10 Td (satisfied. ) Tj ET Q q 0 0 0 rg BT 112.90 53.10 Td (Subsidiaries ) Tj ET Q q 0 0 0 rg BT 164.13 53.10 Td (of ) Tj ET Q q 0 0 0 rg BT 174.80 53.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.36 53.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 230.58 53.10 Td (may ) Tj ET Q q 0 0 0 rg BT 250.14 53.10 Td (make ) Tj ET Q q 0 0 0 rg BT 274.14 53.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 315.36 53.10 Td (and ) Tj ET Q q 0 0 0 rg BT 332.14 53.10 Td (distributions ) Tj ET Q q 0 0 0 rg BT 384.49 53.10 Td (to ) Tj ET Q q 0 0 0 rg BT 394.61 53.10 Td (the ) Tj ET Q q 0 0 0 rg BT 409.16 53.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 450.39 53.10 Td (and ) Tj ET Q q 0 0 0 rg BT 467.17 53.10 Td (other ) Tj ET Q q 0 0 0 rg BT 490.06 53.10 Td (obligors ) Tj ET Q q 0 0 0 rg BT 525.18 53.10 Td (under ) Tj ET Q q 0 0 0 rg BT 550.28 53.10 Td (the ) Tj ET Q endstream endobj 157 0 obj <>] /Rotate 0 /Contents 158 0 R>> endobj 158 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (77) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 731.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 90.58 731.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 116.10 731.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 147.18 731.10 Td (without ) Tj ET Q q 0 0 0 rg BT 180.49 731.10 Td (restriction. ) Tj ET Q q 0 0 0 rg BT 226.28 731.10 Td ( ) Tj ET Q q 0 0 0 rg BT 228.43 731.10 Td (As ) Tj ET Q q 0 0 0 rg BT 242.30 731.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.39 731.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 302.24 731.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.24 731.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.50 731.10 Td (we ) Tj ET Q q 0 0 0 rg BT 341.91 731.10 Td (were ) Tj ET Q q 0 0 0 rg BT 364.09 731.10 Td (not ) Tj ET Q q 0 0 0 rg BT 379.63 731.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 419.59 731.10 Td (from ) Tj ET Q q 0 0 0 rg BT 441.78 731.10 Td (making ) Tj ET Q q 0 0 0 rg BT 474.53 731.10 Td (up ) Tj ET Q q 0 0 0 rg BT 487.29 731.10 Td (to ) Tj ET Q q 0 0 0 rg BT 497.82 731.10 Td ($43.5 ) Tj ET Q q 0 0 0 rg BT 523.07 731.10 Td (million ) Tj ET Q q 0 0 0 rg BT 554.72 731.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 719.10 Td (distributions ) Tj ET Q q 0 0 0 rg BT 101.70 719.10 Td (related ) Tj ET Q q 0 0 0 rg BT 131.10 719.10 Td (to ) Tj ET Q q 0 0 0 rg BT 141.08 719.10 Td (repayments ) Tj ET Q q 0 0 0 rg BT 189.37 719.10 Td (of ) Tj ET Q q 0 0 0 rg BT 199.90 719.10 Td (the ) Tj ET Q q 0 0 0 rg BT 214.31 719.10 Td (Senior ) Tj ET Q q 0 0 0 rg BT 242.62 719.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 268.14 719.10 Td (as ) Tj ET Q q 0 0 0 rg BT 278.67 719.10 Td (a ) Tj ET Q q 0 0 0 rg BT 285.31 719.10 Td (result ) Tj ET Q q 0 0 0 rg BT 309.72 719.10 Td (of ) Tj ET Q q 0 0 0 rg BT 320.25 719.10 Td (the ) Tj ET Q q 0 0 0 rg BT 334.66 719.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 375.18 719.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 400.14 719.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 430.66 719.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 478.97 719.10 Td (restrictions, ) Tj ET Q q 0 0 0 rg BT 528.10 719.10 Td (but ) Tj ET Q q 0 0 0 rg BT 543.08 719.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 707.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 89.99 707.10 Td (from ) Tj ET Q q 0 0 0 rg BT 112.72 707.10 Td (other ) Tj ET Q q 0 0 0 rg BT 136.55 707.10 Td (distributions ) Tj ET Q q 0 0 0 rg BT 189.84 707.10 Td (as ) Tj ET Q q 0 0 0 rg BT 201.46 707.10 Td (a ) Tj ET Q q 0 0 0 rg BT 209.19 707.10 Td (result ) Tj ET Q q 0 0 0 rg BT 234.69 707.10 Td (of ) Tj ET Q q 0 0 0 rg BT 246.31 707.10 Td (the ) Tj ET Q q 0 0 0 rg BT 261.81 707.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 303.43 707.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 329.48 707.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 361.08 707.10 Td (restrictions. ) Tj ET Q q 0 0 0 rg BT 411.07 707.10 Td (The ) Tj ET Q q 0 0 0 rg BT 429.90 707.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 471.52 707.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 497.57 707.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 529.17 707.10 Td (contains ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 695.10 Td (customary ) Tj ET Q q 0 0 0 rg BT 93.06 695.10 Td (default ) Tj ET Q q 0 0 0 rg BT 122.72 695.10 Td (provisions, ) Tj ET Q q 0 0 0 rg BT 168.79 695.10 Td (which, ) Tj ET Q q 0 0 0 rg BT 197.63 695.10 Td (if ) Tj ET Q q 0 0 0 rg BT 205.64 695.10 Td (triggered, ) Tj ET Q q 0 0 0 rg BT 246.13 695.10 Td (could ) Tj ET Q q 0 0 0 rg BT 270.25 695.10 Td (result ) Tj ET Q q 0 0 0 rg BT 294.37 695.10 Td (in ) Tj ET Q q 0 0 0 rg BT 304.05 695.10 Td (acceleration ) Tj ET Q q 0 0 0 rg BT 354.25 695.10 Td (of ) Tj ET Q q 0 0 0 rg BT 364.48 695.10 Td (all ) Tj ET Q q 0 0 0 rg BT 376.37 695.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 412.16 695.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 460.73 695.10 Td (under ) Tj ET Q q 0 0 0 rg BT 485.40 695.10 Td (the ) Tj ET Q q 0 0 0 rg BT 499.51 695.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 539.74 695.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 683.10 Td (facility) Tj ET Q q 0 0 0 rg BT 77.17 683.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.17 683.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 665.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.48 665.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 107.00 665.10 Td (with ) Tj ET Q q 0 0 0 rg BT 127.43 665.10 Td (entering ) Tj ET Q q 0 0 0 rg BT 162.84 665.10 Td (into ) Tj ET Q q 0 0 0 rg BT 181.05 665.10 Td (the ) Tj ET Q q 0 0 0 rg BT 195.72 665.10 Td (Third ) Tj ET Q q 0 0 0 rg BT 220.00 665.10 Td (Amendment, ) Tj ET Q q 0 0 0 rg BT 274.58 665.10 Td (we ) Tj ET Q q 0 0 0 rg BT 288.89 665.10 Td (wrote-of) Tj ET Q q 0 0 0 rg BT 323.14 665.10 Td (f ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.12 665.10 Td ($0.3 ) Tj ET Q q 0 0 0 rg BT 349.27 665.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.16 665.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.81 665.10 Td (of ) Tj ET Q q 0 0 0 rg BT 391.79 665.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 411.65 665.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 448.18 665.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 470.83 665.10 Td (for ) Tj ET Q q 0 0 0 rg BT 485.14 665.10 Td (lenders ) Tj ET Q q 0 0 0 rg BT 516.66 665.10 Td (that ) Tj ET Q q 0 0 0 rg BT 534.31 665.10 Td (did ) Tj ET Q q 0 0 0 rg BT 549.73 665.10 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 653.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 86.81 653.10 Td (to ) Tj ET Q q 0 0 0 rg BT 97.46 653.10 Td (participate. ) Tj ET Q q 0 0 0 rg BT 145.04 653.10 Td ( ) Tj ET Q q 0 0 0 rg BT 147.71 653.10 Td (W) Tj ET Q q 0 0 0 rg BT 156.34 653.10 Td (e ) Tj ET Q q 0 0 0 rg BT 163.66 653.10 Td (also ) Tj ET Q q 0 0 0 rg BT 182.64 653.10 Td (paid ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.73 653.10 Td ($2.8 ) Tj ET Q q 0 0 0 rg BT 223.11 653.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.00 653.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.88 653.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.08 653.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 286.18 653.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 322.93 653.10 Td (costs, ) Tj ET Q q 0 0 0 rg BT 348.31 653.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 386.16 653.10 Td (as ) Tj ET Q q 0 0 0 rg BT 397.36 653.10 Td (other ) Tj ET Q q 0 0 0 rg BT 420.79 653.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 449.49 653.10 Td (which ) Tj ET Q q 0 0 0 rg BT 476.81 653.10 Td (are ) Tj ET Q q 0 0 0 rg BT 491.89 653.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 534.75 653.10 Td (ratably ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 641.10 Td (over ) Tj ET Q q 0 0 0 rg BT 69.36 641.10 Td (the ) Tj ET Q q 0 0 0 rg BT 83.68 641.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 126.32 641.10 Td (term ) Tj ET Q q 0 0 0 rg BT 146.74 641.10 Td (of ) Tj ET Q q 0 0 0 rg BT 157.16 641.10 Td (the ) Tj ET Q q 0 0 0 rg BT 171.48 641.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 211.90 641.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 236.76 641.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 267.17 641.10 Td (along ) Tj ET Q q 0 0 0 rg BT 291.49 641.10 Td (with ) Tj ET Q q 0 0 0 rg BT 311.36 641.10 Td (the ) Tj ET Q q 0 0 0 rg BT 325.67 641.10 Td (unamortized ) Tj ET Q q 0 0 0 rg BT 377.75 641.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 397.06 641.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 433.04 641.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 455.13 641.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 497.77 641.10 Td (on ) Tj ET Q q 0 0 0 rg BT 509.87 641.10 Td (the ) Tj ET Q q 0 0 0 rg BT 524.18 641.10 Td (revolving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 629.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 74.76 629.10 Td (facility) Tj ET Q q 0 0 0 rg BT 102.43 629.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.93 629.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 611.10 Td (Debt ) Tj ET Q q 0 0 0 rg BT 71.12 611.10 Td (Covenants. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.14 611.10 Td (W) Tj ET Q q 0 0 0 rg BT 127.77 611.10 Td (e ) Tj ET Q q 0 0 0 rg BT 134.39 611.10 Td (were ) Tj ET Q q 0 0 0 rg BT 156.00 611.10 Td (in ) Tj ET Q q 0 0 0 rg BT 165.96 611.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 214.23 611.10 Td (with ) Tj ET Q q 0 0 0 rg BT 234.18 611.10 Td (our ) Tj ET Q q 0 0 0 rg BT 249.69 611.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 269.09 611.10 Td (covenants, ) Tj ET Q q 0 0 0 rg BT 313.75 611.10 Td (as ) Tj ET Q q 0 0 0 rg BT 324.26 611.10 Td (amended, ) Tj ET Q q 0 0 0 rg BT 365.04 611.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.43 611.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 422.71 611.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.71 611.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.16 611.10 Td (A) Tj ET Q q 0 0 0 rg BT 453.83 611.10 Td ( ) Tj ET Q q 0 0 0 rg BT 456.01 611.10 Td (summary ) Tj ET Q q 0 0 0 rg BT 495.40 611.10 Td (of ) Tj ET Q q 0 0 0 rg BT 505.91 611.10 Td (the ) Tj ET Q q 0 0 0 rg BT 520.31 611.10 Td (significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 599.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 86.67 599.10 Td (covenants ) Tj ET Q q 0 0 0 rg BT 128.84 599.10 Td (that ) Tj ET Q q 0 0 0 rg BT 146.02 599.10 Td (govern ) Tj ET Q q 0 0 0 rg BT 175.98 599.10 Td (our ) Tj ET Q q 0 0 0 rg BT 191.49 599.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 232.00 599.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 256.95 599.10 Td (facility) Tj ET Q q 0 0 0 rg BT 284.63 599.10 Td (, ) Tj ET Q q 0 0 0 rg BT 289.31 599.10 Td (as ) Tj ET Q q 0 0 0 rg BT 299.83 599.10 Td (amended, ) Tj ET Q q 0 0 0 rg BT 340.61 599.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 382.22 599.10 Td (to ) Tj ET Q q 0 0 0 rg BT 392.18 599.10 Td (our ) Tj ET Q q 0 0 0 rg BT 407.70 599.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 433.76 599.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 482.03 599.10 Td (status ) Tj ET Q q 0 0 0 rg BT 507.00 599.10 Td (at) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.22 599.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.40 599.10 Td (January31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 587.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 587.10 Td ( ) Tj ET Q q 0 0 0 rg BT 72.00 587.10 Td (is ) Tj ET Q q 0 0 0 rg BT 81.17 587.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 121.99 587.10 Td (below:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.70 587.10 Td ( ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 535.60 388.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 535.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 535.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 535.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 505.60 388.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 505.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 505.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 505.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 475.60 388.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 475.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 475.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 475.60 60.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 535.6 m 497.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 535.6 m 561.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 535.6 m 497.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 535.6 m 561.5 535.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 540.27 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 452.80 540.28 Td (Actual) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 511.05 560.28 Td (Requir) Tj ET Q q 0 0 0 rg BT 540.87 560.28 Td (ed) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 508.20 550.28 Td (Minimum/) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 508.75 540.28 Td (Maximum) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 525.27 Td (Interest Coverage Ratio must equal or exceed minimum) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.10 525.27 Td (3.29:1.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.10 525.27 Td (1.25:1.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 510.27 Td (Leverage Ratio must not exceed maximum) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.10 510.27 Td (2.46:1.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.10 510.27 Td (4.00:1.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 495.27 Td (ABS Excluded Leverage Ratio must not exceed maximum) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.10 495.27 Td (1.09:1.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.10 495.27 Td (2.00:1.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 480.27 Td (Cash Recovery Percent must exceed stated amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.05 480.27 Td (4.80%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.05 480.27 Td (4.20%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 465.27 Td (Capital Expenditures, net, must not exceed maximum) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.55 465.27 Td ($9.8 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.05 465.27 Td ($75.0 million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 443.10 Td (All ) Tj ET Q q 0 0 0 rg BT 64.40 443.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 109.83 443.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 134.16 443.10 Td (in ) Tj ET Q q 0 0 0 rg BT 144.06 443.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.40 443.10 Td (above ) Tj ET Q q 0 0 0 rg BT 184.40 443.10 Td (table ) Tj ET Q q 0 0 0 rg BT 205.95 443.10 Td (are ) Tj ET Q q 0 0 0 rg BT 220.28 443.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 252.38 443.10 Td (by ) Tj ET Q q 0 0 0 rg BT 264.50 443.10 Td (the ) Tj ET Q q 0 0 0 rg BT 278.84 443.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 319.29 443.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 344.17 443.10 Td (facility) Tj ET Q q 0 0 0 rg BT 371.84 443.10 Td (, ) Tj ET Q q 0 0 0 rg BT 376.46 443.10 Td (as ) Tj ET Q q 0 0 0 rg BT 386.91 443.10 Td (amended, ) Tj ET Q q 0 0 0 rg BT 427.63 443.10 Td (and ) Tj ET Q q 0 0 0 rg BT 444.19 443.10 Td (may ) Tj ET Q q 0 0 0 rg BT 463.53 443.10 Td (or ) Tj ET Q q 0 0 0 rg BT 473.98 443.10 Td (may ) Tj ET Q q 0 0 0 rg BT 493.31 443.10 Td (not ) Tj ET Q q 0 0 0 rg BT 508.21 443.10 Td (agree ) Tj ET Q q 0 0 0 rg BT 531.98 443.10 Td (directly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 431.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.24 431.10 Td (the ) Tj ET Q q 0 0 0 rg BT 73.43 431.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 110.37 431.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 150.66 431.10 Td (captions ) Tj ET Q q 0 0 0 rg BT 185.95 431.10 Td (in ) Tj ET Q q 0 0 0 rg BT 195.69 431.10 Td (this ) Tj ET Q q 0 0 0 rg BT 212.10 431.10 Td (document. ) Tj ET Q q 0 0 0 rg BT 255.86 431.10 Td (The ) Tj ET Q q 0 0 0 rg BT 273.37 431.10 Td (covenants ) Tj ET Q q 0 0 0 rg BT 315.32 431.10 Td (are ) Tj ET Q q 0 0 0 rg BT 329.50 431.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 371.99 431.10 Td (quarterly) Tj ET Q q 0 0 0 rg BT 407.43 431.10 Td (, ) Tj ET Q q 0 0 0 rg BT 411.90 431.10 Td (except ) Tj ET Q q 0 0 0 rg BT 439.96 431.10 Td (for ) Tj ET Q q 0 0 0 rg BT 453.58 431.10 Td (the ) Tj ET Q q 0 0 0 rg BT 467.77 431.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 489.73 431.10 Td (Recovery ) Tj ET Q q 0 0 0 rg BT 530.01 431.10 Td (Percent, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 419.10 Td (which ) Tj ET Q q 0 0 0 rg BT 76.91 419.10 Td (is ) Tj ET Q q 0 0 0 rg BT 86.55 419.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 130.05 419.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 166.36 419.10 Td (on ) Tj ET Q q 0 0 0 rg BT 179.33 419.10 Td (a ) Tj ET Q q 0 0 0 rg BT 186.75 419.10 Td (trailing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.63 419.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.60 419.10 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.58 419.10 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.92 419.10 Td (month ) Tj ET Q q 0 0 0 rg BT 270.44 419.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 295.92 419.10 Td (and ) Tj ET Q q 0 0 0 rg BT 313.33 419.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 345.18 419.10 Td (Expenditures, ) Tj ET Q q 0 0 0 rg BT 403.42 419.10 Td (which ) Tj ET Q q 0 0 0 rg BT 430.83 419.10 Td (is ) Tj ET Q q 0 0 0 rg BT 440.47 419.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 483.97 419.10 Td (for ) Tj ET Q q 0 0 0 rg BT 498.61 419.10 Td (a ) Tj ET Q q 0 0 0 rg BT 506.02 419.10 Td (period ) Tj ET Q q 0 0 0 rg BT 534.54 419.10 Td (of ) Tj ET Q q 0 0 0 rg BT 545.84 419.10 Td (four ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 407.10 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 99.20 407.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 123.36 407.10 Td (quarters, ) Tj ET Q q 0 0 0 rg BT 160.56 407.10 Td (as ) Tj ET Q q 0 0 0 rg BT 171.39 407.10 Td (of ) Tj ET Q q 0 0 0 rg BT 182.22 407.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.94 407.10 Td (end ) Tj ET Q q 0 0 0 rg BT 213.88 407.10 Td (of ) Tj ET Q q 0 0 0 rg BT 224.71 407.10 Td (each ) Tj ET Q q 0 0 0 rg BT 245.53 407.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 269.68 407.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 297.44 407.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.44 407.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.94 407.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 389.10 Td (7. ) Tj ET Q q 0 0 0 rg BT 67.50 389.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 101.48 389.10 Td (T) Tj ET Q q 0 0 0 rg BT 107.23 389.10 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.56 389.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 371.10 Td (Deferred tax assets and liabilities consisted of the following:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 326.60 378.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 326.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 326.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 326.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 298.60 378.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 298.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 298.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 298.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 270.60 378.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 270.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 270.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 270.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 242.60 378.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 242.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 242.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 242.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 214.60 378.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 214.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 214.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 214.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 186.60 378.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 186.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 186.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 186.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 158.60 378.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 158.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 158.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 158.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 130.60 378.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 130.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 130.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 130.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 102.60 378.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 102.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 102.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 102.60 65.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 340.6 m 492.5 340.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 340.6 m 496.5 340.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 340.6 m 561.5 340.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 326.6 m 492.5 326.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 326.6 m 561.5 326.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 186.60000000000002 m 492.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 186.60000000000002 m 561.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 186.60000000000002 m 492.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 172.60000000000002 m 492.5 172.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 186.60000000000002 m 561.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 172.60000000000002 m 561.5 172.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 102.60000000000002 m 492.5 102.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 102.60000000000002 m 561.5 102.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 88.60000000000002 m 492.5 88.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 75.60000000000002 m 492.5 75.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 73.60000000000002 m 492.5 73.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 88.60000000000002 m 561.5 88.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 75.60000000000002 m 561.5 75.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 73.60000000000002 m 561.5 73.60000000000002 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.70 345.28 Td (January 31,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.00 331.16 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 449.50 331.28 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.50 331.28 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 317.28 Td (Deferr) Tj ET Q q 0 0 0 rg BT 80.22 317.28 Td (ed tax assets:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.00 317.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 317.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 303.17 Td (Allowance for doubtful accounts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.00 303.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 303.17 Td (19,325) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 303.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 303.17 Td (64,642) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 289.17 Td (Deferred rent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 289.17 Td (5,839) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 289.17 Td (9,185) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 275.17 Td (Deferred gains on sale-leaseback transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 275.17 Td (1,598) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 275.17 Td (3,014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 261.17 Td (Deferred revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 261.17 Td (1,240) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 261.17 Td (1,695) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 247.17 Td (Inventories) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 247.17 Td (2,126) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 247.17 Td (3,568) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 233.17 Td (Stock-based compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 233.17 Td (1,439) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 233.17 Td (1,840) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 219.17 Td (State net operating loss carryforwards) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 219.17 Td (1,207) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 219.17 Td (992) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 205.17 Td (State mar) Tj ET Q q 0 0 0 rg BT 89.95 205.17 Td (gin tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.65 205.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 205.17 Td (1,039) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 191.17 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 191.17 Td (3,534) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 191.17 Td (5,255) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 177.17 Td (T) Tj ET Q q 0 0 0 rg BT 63.76 177.17 Td (otal deferred tax assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 177.17 Td (36,308) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 177.17 Td (91,230) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 163.28 Td (Deferr) Tj ET Q q 0 0 0 rg BT 80.13 163.28 Td (ed tax liabilities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.00 163.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.00 163.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 149.17 Td (V) Tj ET Q q 0 0 0 rg BT 58.11 149.17 Td (endor prepayments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.80 149.22 Td (\(4,723) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 149.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.80 149.22 Td (\(1,758) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 149.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 135.17 Td (Sales tax receivable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.80 135.22 Td (\(3,649) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 135.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.80 135.22 Td (\(7,481) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 135.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 121.17 Td (Property and equipment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.80 121.22 Td (\(6,275) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 121.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.80 121.22 Td (\(10,319) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 121.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 107.17 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.30 107.22 Td (\(96) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 107.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.30 107.22 Td (\(230) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 107.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.00 93.17 Td (T) Tj ET Q q 0 0 0 rg BT 63.41 93.17 Td (otal deferred tax liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.80 93.22 Td (\(14,743) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 93.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.80 93.22 Td (\(19,788) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 93.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 79.17 Td (Net deferred tax asset) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.00 79.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 79.17 Td (21,565) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 79.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 79.17 Td (71,442) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 159 0 obj <>] /Rotate 0 /Contents 160 0 R>> endobj 160 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (78) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 731.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.11 731.10 Td (state ) Tj ET Q q 0 0 0 rg BT 89.50 731.10 Td (net ) Tj ET Q q 0 0 0 rg BT 104.78 731.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 145.60 731.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 164.23 731.10 Td (carryforwards ) Tj ET Q q 0 0 0 rg BT 223.37 731.10 Td (begin ) Tj ET Q q 0 0 0 rg BT 248.65 731.10 Td (to ) Tj ET Q q 0 0 0 rg BT 259.49 731.10 Td (expire ) Tj ET Q q 0 0 0 rg BT 287.53 731.10 Td (starting ) Tj ET Q q 0 0 0 rg BT 320.59 731.10 Td (with ) Tj ET Q q 0 0 0 rg BT 341.43 731.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 366.15 731.10 Td (year ) Tj ET Q q 0 0 0 rg BT 386.41 731.10 Td (2028. ) Tj ET Q q 0 0 0 rg BT 411.98 731.10 Td ( ) Tj ET Q q 0 0 0 rg BT 415.04 731.10 Td (Realization ) Tj ET Q q 0 0 0 rg BT 463.64 731.10 Td (of ) Tj ET Q q 0 0 0 rg BT 475.03 731.10 Td (our ) Tj ET Q q 0 0 0 rg BT 491.42 731.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 527.79 731.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 543.06 731.10 Td (asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 719.10 Td (ultimately ) Tj ET Q q 0 0 0 rg BT 93.50 719.10 Td (depends ) Tj ET Q q 0 0 0 rg BT 129.71 719.10 Td (on ) Tj ET Q q 0 0 0 rg BT 143.16 719.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.83 719.10 Td (existence ) Tj ET Q q 0 0 0 rg BT 199.48 719.10 Td (of ) Tj ET Q q 0 0 0 rg BT 211.26 719.10 Td (suf) Tj ET Q q 0 0 0 rg BT 223.30 719.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 252.29 719.10 Td (taxable ) Tj ET Q q 0 0 0 rg BT 284.61 719.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 319.99 719.10 Td (which ) Tj ET Q q 0 0 0 rg BT 347.88 719.10 Td (may ) Tj ET Q q 0 0 0 rg BT 368.54 719.10 Td (include ) Tj ET Q q 0 0 0 rg BT 401.43 719.10 Td (future ) Tj ET Q q 0 0 0 rg BT 428.75 719.10 Td (taxable ) Tj ET Q q 0 0 0 rg BT 461.07 719.10 Td (income ) Tj ET Q q 0 0 0 rg BT 493.96 719.10 Td (and ) Tj ET Q q 0 0 0 rg BT 511.84 719.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 527.51 719.10 Td (planning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 707.10 Td (strategies. ) Tj ET Q q 0 0 0 rg BT 92.48 707.10 Td (Based ) Tj ET Q q 0 0 0 rg BT 119.64 707.10 Td (on ) Tj ET Q q 0 0 0 rg BT 132.36 707.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.30 707.10 Td (weight ) Tj ET Q q 0 0 0 rg BT 177.23 707.10 Td (of ) Tj ET Q q 0 0 0 rg BT 188.28 707.10 Td (available ) Tj ET Q q 0 0 0 rg BT 227.09 707.10 Td (evidence ) Tj ET Q q 0 0 0 rg BT 265.34 707.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.28 707.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 324.10 707.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.10 707.10 Td (, ) Tj ET Q q 0 0 0 rg BT 349.32 707.10 Td (we ) Tj ET Q q 0 0 0 rg BT 363.70 707.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 395.29 707.10 Td (that ) Tj ET Q q 0 0 0 rg BT 413.01 707.10 Td (it ) Tj ET Q q 0 0 0 rg BT 421.28 707.10 Td (is ) Tj ET Q q 0 0 0 rg BT 430.67 707.10 Td (more ) Tj ET Q q 0 0 0 rg BT 453.94 707.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 479.43 707.10 Td (than ) Tj ET Q q 0 0 0 rg BT 499.37 707.10 Td (not ) Tj ET Q q 0 0 0 rg BT 514.87 707.10 Td (that ) Tj ET Q q 0 0 0 rg BT 532.58 707.10 Td (we ) Tj ET Q q 0 0 0 rg BT 546.96 707.10 Td (will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 695.10 Td (generate ) Tj ET Q q 0 0 0 rg BT 85.86 695.10 Td (suf) Tj ET Q q 0 0 0 rg BT 97.90 695.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 125.95 695.10 Td (taxable ) Tj ET Q q 0 0 0 rg BT 157.32 695.10 Td (income ) Tj ET Q q 0 0 0 rg BT 189.25 695.10 Td (to ) Tj ET Q q 0 0 0 rg BT 199.53 695.10 Td (utilize ) Tj ET Q q 0 0 0 rg BT 227.02 695.10 Td (our ) Tj ET Q q 0 0 0 rg BT 242.85 695.10 Td (entire ) Tj ET Q q 0 0 0 rg BT 268.11 695.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 303.92 695.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 318.64 695.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 340.57 695.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 362.51 695.10 Td (to ) Tj ET Q q 0 0 0 rg BT 372.79 695.10 Td (its ) Tj ET Q q 0 0 0 rg BT 384.74 695.10 Td (expiration.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 677.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 677.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.08 677.10 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.01 677.10 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.01 677.10 Td ( ) Tj ET Q q 0 0 0 rg BT 94.51 677.10 Td (uncertain ) Tj ET Q q 0 0 0 rg BT 134.22 677.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 148.93 677.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 187.55 677.10 Td (at ) Tj ET Q q 0 0 0 rg BT 197.27 677.10 Td (either ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.53 677.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 271.13 677.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.13 677.10 Td ( ) Tj ET Q q 0 0 0 rg BT 293.63 677.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.46 677.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.46 677.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 659.10 Td (Provision ) Tj ET Q q 0 0 0 rg BT 90.34 659.10 Td (for ) Tj ET Q q 0 0 0 rg BT 104.50 659.10 Td (income ) Tj ET Q q 0 0 0 rg BT 136.43 659.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 159.48 659.10 Td (consisted ) Tj ET Q q 0 0 0 rg BT 199.20 659.10 Td (of ) Tj ET Q q 0 0 0 rg BT 210.03 659.10 Td (the ) Tj ET Q q 0 0 0 rg BT 224.74 659.10 Td (following:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 612.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 612.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 612.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 612.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 612.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 612.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 582.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 582.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 582.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 582.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 582.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 582.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 552.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 552.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 552.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 552.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 552.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 552.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 522.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 522.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 522.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 522.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 522.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 522.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 492.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 492.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 492.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 492.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 492.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 492.60 65.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 627.6 m 424 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 627.6 m 428 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 627.6 m 493 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 627.6 m 497 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 627.6 m 562 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 612.6 m 424 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 612.6 m 493 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 612.6 m 562 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 567.6 m 424 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 552.6 m 424 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 567.6 m 493 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 552.6 m 493 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 567.6 m 562 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 552.6 m 562 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 507.6 m 424 507.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 507.6 m 493 507.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 507.6 m 562 507.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 492.6 m 424 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 478.6 m 424 478.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 476.6 m 424 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 492.6 m 493 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 478.6 m 493 478.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 476.6 m 493 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 492.6 m 562 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 478.6 m 562 478.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 476.6 m 562 476.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.50 632.27 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 409.50 632.28 Td (Y) Tj ET Q q 0 0 0 rg BT 416.17 632.28 Td (ear) Tj ET Q q 0 0 0 rg BT 429.40 632.28 Td ( ended January 31,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 617.31 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.00 617.28 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.00 617.28 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 519.00 617.28 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 602.28 Td (Curr) Tj ET Q q 0 0 0 rg BT 74.07 602.28 Td (ent:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 602.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 602.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 602.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 587.27 Td (Federal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 587.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.30 587.32 Td (\(25,891) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.15 587.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 587.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.30 587.32 Td (\(1) Tj ET Q q 0 0 0 rg BT 466.63 587.32 Td (1,251) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 587.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 587.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 587.27 Td (32,820) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 572.27 Td (State) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 572.27 Td (1,184) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 572.27 Td (3,519) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 572.27 Td (2,242) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 557.27 Td (T) Tj ET Q q 0 0 0 rg BT 64.26 557.27 Td (otal current) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.30 557.32 Td (\(24,707) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.15 557.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.30 557.32 Td (\(7,732) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 557.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 557.27 Td (35,062) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 542.28 Td (Deferr) Tj ET Q q 0 0 0 rg BT 80.63 542.28 Td (ed:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.50 542.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.50 542.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.50 542.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 527.27 Td (Federal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 527.27 Td (49,536) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.30 527.32 Td (\(1,435) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 527.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.30 527.32 Td (\(16,032) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 527.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 512.27 Td (State) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.15 512.27 Td (342) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.15 512.27 Td (212) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.80 512.32 Td (\(642) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 512.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 497.27 Td (T) Tj ET Q q 0 0 0 rg BT 63.91 497.27 Td (otal deferred) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 497.27 Td (49,878) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.30 497.32 Td (\(1,223) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 497.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.30 497.32 Td (\(16,674) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 497.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.50 482.27 Td (Provision \(benefit\) for income taxes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 482.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 482.27 Td (25,171) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 482.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.30 482.32 Td (\(8,955) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 482.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 482.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 482.27 Td (18,388) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 460.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.17 460.10 Td ( ) Tj ET Q q 0 0 0 rg BT 58.12 460.10 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 115.05 460.10 Td (of ) Tj ET Q q 0 0 0 rg BT 125.33 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 139.50 460.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 179.22 460.10 Td (\(benefit\) ) Tj ET Q q 0 0 0 rg BT 215.60 460.10 Td (for ) Tj ET Q q 0 0 0 rg BT 229.21 460.10 Td (income ) Tj ET Q q 0 0 0 rg BT 260.59 460.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 283.09 460.10 Td (at ) Tj ET Q q 0 0 0 rg BT 292.26 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.43 460.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 326.16 460.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 355.86 460.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 392.81 460.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 406.98 460.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 423.91 460.10 Td (and ) Tj ET Q q 0 0 0 rg BT 440.30 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 454.47 460.10 Td (total ) Tj ET Q q 0 0 0 rg BT 474.19 460.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 488.36 460.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 528.09 460.10 Td (\(benefit\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 448.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.66 448.10 Td (each ) Tj ET Q q 0 0 0 rg BT 84.48 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 95.31 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 110.02 448.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 141.96 448.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 182.78 448.10 Td (in ) Tj ET Q q 0 0 0 rg BT 193.05 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 207.77 448.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 252.48 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.31 448.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 307.47 448.10 Td (follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 401.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 401.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 401.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 401.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 401.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 401.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 371.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 371.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 371.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 371.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 371.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 371.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 341.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 341.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 341.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 341.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 341.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 341.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 311.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 311.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 311.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 311.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 311.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 311.60 65.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 416.6 m 424 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 416.6 m 428 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 416.6 m 493 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 416.6 m 497 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 416.6 m 562 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 401.6 m 424 401.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 401.6 m 493 401.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 401.6 m 562 401.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 311.6 m 424 311.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 297.6 m 424 297.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 295.6 m 424 295.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 311.6 m 493 311.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 297.6 m 493 297.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 295.6 m 493 295.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 311.6 m 562 311.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 297.6 m 562 297.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 295.6 m 562 295.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.50 421.27 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 409.50 421.28 Td (Y) Tj ET Q q 0 0 0 rg BT 416.17 421.28 Td (ear) Tj ET Q q 0 0 0 rg BT 429.40 421.28 Td ( ended January 31,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 406.31 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.00 406.28 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.00 406.28 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 519.00 406.28 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 391.27 Td (Income tax provision \(benefit\) at U.S. federal statutory rate ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 292.14 395.80 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 391.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 391.27 Td (10,696) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 391.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.30 391.32 Td (\(12,081) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 391.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 391.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 391.27 Td (17,235) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 376.27 Td (State income taxes, net of federal benefit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 376.27 Td (1,910) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 376.27 Td (2,363) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 376.27 Td (1,180) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 361.27 Td (Deferred tax adjustment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 361.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.15 361.27 Td (771) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 361.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 347.17 Td (Deferred tax adjustment due to ) Tj ET Q q 0 0 0 rg BT 178.66 347.17 Td (T) Tj ET Q q 0 0 0 rg BT 184.07 347.17 Td (ax ) Tj ET Q q 0 0 0 rg BT 195.46 347.17 Td (Act ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 346.27 Td (13,387) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 346.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 346.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 331.27 Td (Provision to return adjustments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.30 331.32 Td (\(1,142) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.15 331.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 331.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 331.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 316.27 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.15 316.27 Td (320) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.80 316.32 Td (\(8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 316.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.80 316.32 Td (\(27) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 316.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 301.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 301.27 Td (25,171) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 301.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.30 301.32 Td (\(8,955) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 301.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 301.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 301.27 Td (18,388) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 49.50 283.63 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.08 279.10 Td (As ) Tj ET Q q 0 0 0 rg BT 70.87 279.10 Td (a ) Tj ET Q q 0 0 0 rg BT 77.98 279.10 Td (result ) Tj ET Q q 0 0 0 rg BT 102.87 279.10 Td (of ) Tj ET Q q 0 0 0 rg BT 113.88 279.10 Td (the ) Tj ET Q q 0 0 0 rg BT 128.58 279.10 Td (T) Tj ET Q q 0 0 0 rg BT 133.99 279.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 145.51 279.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 165.13 279.10 Td (the ) Tj ET Q q 0 0 0 rg BT 180.02 279.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 221.58 279.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 259.23 279.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.35 279.10 Td ($0.3 ) Tj ET Q q 0 0 0 rg BT 286.52 279.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.42 279.10 Td ( ) Tj ET Q q 0 0 0 rg BT 318.09 279.10 Td (current ) Tj ET Q q 0 0 0 rg BT 349.08 279.10 Td (income ) Tj ET Q q 0 0 0 rg BT 381.19 279.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 396.08 279.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 426.52 279.10 Td (in ) Tj ET Q q 0 0 0 rg BT 436.98 279.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.87 279.10 Td (fourth ) Tj ET Q q 0 0 0 rg BT 478.98 279.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 509.98 279.10 Td (of ) Tj ET Q q 0 0 0 rg BT 520.98 279.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 545.31 279.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 72.00 267.10 Td (as ) Tj ET Q q 0 0 0 rg BT 82.83 267.10 Td (a ) Tj ET Q q 0 0 0 rg BT 89.77 267.10 Td (result ) Tj ET Q q 0 0 0 rg BT 114.49 267.10 Td (of ) Tj ET Q q 0 0 0 rg BT 125.32 267.10 Td (using ) Tj ET Q q 0 0 0 rg BT 149.49 267.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.42 267.10 Td (33.81%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.25 267.10 Td ( ) Tj ET Q q 0 0 0 rg BT 189.75 267.10 Td (blended ) Tj ET Q q 0 0 0 rg BT 223.91 267.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 241.39 267.10 Td (for ) Tj ET Q q 0 0 0 rg BT 255.55 267.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 279.71 267.10 Td (year ) Tj ET Q q 0 0 0 rg BT 299.42 267.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 321.92 267.10 Td (instead ) Tj ET Q q 0 0 0 rg BT 352.74 267.10 Td (of ) Tj ET Q q 0 0 0 rg BT 363.57 267.10 Td (the ) Tj ET Q q 0 0 0 rg BT 378.29 267.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 400.23 267.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 437.72 267.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 455.21 267.10 Td (of ) Tj ET Q q 0 0 0 rg BT 466.04 267.10 Td (35%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 249.10 Td (No) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.72 249.10 Td ( ) Tj ET Q q 0 0 0 rg BT 64.22 249.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 103.93 249.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 146.97 249.10 Td (was ) Tj ET Q q 0 0 0 rg BT 165.02 249.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 202.49 249.10 Td (for ) Tj ET Q q 0 0 0 rg BT 216.65 249.10 Td (the ) Tj ET Q q 0 0 0 rg BT 231.37 249.10 Td (years ) Tj ET Q q 0 0 0 rg BT 254.97 249.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 281.35 249.10 Td (January ) Tj ET Q q 0 0 0 rg BT 314.94 249.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 329.94 249.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 352.44 249.10 Td (or ) Tj ET Q q 0 0 0 rg BT 363.27 249.10 Td (2017.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 81.76 231.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 96.26 231.10 Td (returns ) Tj ET Q q 0 0 0 rg BT 126.30 231.10 Td (for ) Tj ET Q q 0 0 0 rg BT 140.24 231.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 164.17 231.10 Td (years ) Tj ET Q q 0 0 0 rg BT 187.55 231.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 234.26 231.10 Td (to ) Tj ET Q q 0 0 0 rg BT 244.32 231.10 Td (January ) Tj ET Q q 0 0 0 rg BT 277.69 231.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 292.47 231.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 317.25 231.10 Td (remain ) Tj ET Q q 0 0 0 rg BT 347.29 231.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 377.89 231.10 Td (to ) Tj ET Q q 0 0 0 rg BT 387.94 231.10 Td (examination. ) Tj ET Q q 0 0 0 rg BT 442.15 231.10 Td (Generally) Tj ET Q q 0 0 0 rg BT 480.92 231.10 Td (, ) Tj ET Q q 0 0 0 rg BT 485.70 231.10 Td (state ) Tj ET Q q 0 0 0 rg BT 506.30 231.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 520.80 231.10 Td (returns ) Tj ET Q q 0 0 0 rg BT 550.84 231.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 73.66 219.10 Td (years ) Tj ET Q q 0 0 0 rg BT 97.25 219.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 144.19 219.10 Td (to ) Tj ET Q q 0 0 0 rg BT 154.47 219.10 Td (January ) Tj ET Q q 0 0 0 rg BT 188.07 219.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 203.07 219.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 225.57 219.10 Td (remain ) Tj ET Q q 0 0 0 rg BT 255.83 219.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 286.66 219.10 Td (to ) Tj ET Q q 0 0 0 rg BT 296.94 219.10 Td (examination.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 201.10 Td (On ) Tj ET Q q 0 0 0 rg BT 64.37 201.10 Td (December ) Tj ET Q q 0 0 0 rg BT 108.11 201.10 Td (22, ) Tj ET Q q 0 0 0 rg BT 123.26 201.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 145.91 201.10 Td (H.R. ) Tj ET Q q 0 0 0 rg BT 167.45 201.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 177.61 201.10 Td (originally ) Tj ET Q q 0 0 0 rg BT 219.14 201.10 Td (known ) Tj ET Q q 0 0 0 rg BT 249.01 201.10 Td (as ) Tj ET Q q 0 0 0 rg BT 259.99 201.10 Td (the ) Tj ET Q q 0 0 0 rg BT 274.67 201.10 Td (T) Tj ET Q q 0 0 0 rg BT 280.08 201.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 292.17 201.10 Td (Cuts ) Tj ET Q q 0 0 0 rg BT 313.16 201.10 Td (and ) Tj ET Q q 0 0 0 rg BT 330.25 201.10 Td (Jobs ) Tj ET Q q 0 0 0 rg BT 350.10 201.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 367.19 201.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 385.39 201.10 Td (T) Tj ET Q q 0 0 0 rg BT 395.24 201.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 406.74 201.10 Td (Act\), ) Tj ET Q q 0 0 0 rg BT 434.10 201.10 Td (was ) Tj ET Q q 0 0 0 rg BT 452.30 201.10 Td (signed ) Tj ET Q q 0 0 0 rg BT 481.06 201.10 Td (into ) Tj ET Q q 0 0 0 rg BT 499.27 201.10 Td (law) Tj ET Q q 0 0 0 rg BT 513.06 201.10 Td (. ) Tj ET Q q 0 0 0 rg BT 517.63 201.10 Td (Among ) Tj ET Q q 0 0 0 rg BT 550.28 201.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 189.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 94.25 189.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 129.00 189.10 Td (to ) Tj ET Q q 0 0 0 rg BT 139.32 189.10 Td (the ) Tj ET Q q 0 0 0 rg BT 154.08 189.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 174.40 189.10 Td (Internal ) Tj ET Q q 0 0 0 rg BT 208.03 189.10 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 245.56 189.10 Td (Code, ) Tj ET Q q 0 0 0 rg BT 271.71 189.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.28 189.10 Td (T) Tj ET Q q 0 0 0 rg BT 291.69 189.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 303.11 189.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 320.09 189.10 Td (lowered ) Tj ET Q q 0 0 0 rg BT 354.84 189.10 Td (the ) Tj ET Q q 0 0 0 rg BT 369.59 189.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 389.92 189.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 420.21 189.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 460.51 189.10 Td (income ) Tj ET Q q 0 0 0 rg BT 492.48 189.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 507.24 189.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 524.76 189.10 Td (\(Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 177.10 Td (T) Tj ET Q q 0 0 0 rg BT 54.91 177.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 67.20 177.10 Td (Rate\) ) Tj ET Q q 0 0 0 rg BT 96.15 177.10 Td (from ) Tj ET Q q 0 0 0 rg BT 118.44 177.10 Td (35% ) Tj ET Q q 0 0 0 rg BT 139.62 177.10 Td (to ) Tj ET Q q 0 0 0 rg BT 150.25 177.10 Td (21% ) Tj ET Q q 0 0 0 rg BT 171.43 177.10 Td (ef) Tj ET Q q 0 0 0 rg BT 179.02 177.10 Td (fectiveJanuary ) Tj ET Q q 0 0 0 rg BT 242.67 177.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 253.02 177.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 278.17 177.10 Td (The ) Tj ET Q q 0 0 0 rg BT 296.56 177.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 338.30 177.10 Td (has ) Tj ET Q q 0 0 0 rg BT 354.48 177.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 397.86 177.10 Td (its ) Tj ET Q q 0 0 0 rg BT 410.16 177.10 Td (best ) Tj ET Q q 0 0 0 rg BT 429.12 177.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 465.29 177.10 Td (of ) Tj ET Q q 0 0 0 rg BT 476.48 177.10 Td (the ) Tj ET Q q 0 0 0 rg BT 491.54 177.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 521.61 177.10 Td (of ) Tj ET Q q 0 0 0 rg BT 532.79 177.10 Td (the ) Tj ET Q q 0 0 0 rg BT 547.65 177.10 Td (T) Tj ET Q q 0 0 0 rg BT 553.06 177.10 Td (ax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 165.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 66.24 165.10 Td (in ) Tj ET Q q 0 0 0 rg BT 76.31 165.10 Td (the ) Tj ET Q q 0 0 0 rg BT 90.83 165.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 113.13 165.10 Td (income ) Tj ET Q q 0 0 0 rg BT 144.86 165.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 159.38 165.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 199.45 165.10 Td (in ) Tj ET Q q 0 0 0 rg BT 209.53 165.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 256.79 165.10 Td (with ) Tj ET Q q 0 0 0 rg BT 276.87 165.10 Td (its ) Tj ET Q q 0 0 0 rg BT 288.62 165.10 Td (understanding ) Tj ET Q q 0 0 0 rg BT 347.57 165.10 Td (of ) Tj ET Q q 0 0 0 rg BT 358.20 165.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.55 165.10 Td (T) Tj ET Q q 0 0 0 rg BT 377.96 165.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 389.19 165.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 405.92 165.10 Td (and ) Tj ET Q q 0 0 0 rg BT 422.66 165.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 461.05 165.10 Td (available ) Tj ET Q q 0 0 0 rg BT 499.44 165.10 Td (as ) Tj ET Q q 0 0 0 rg BT 510.07 165.10 Td (of ) Tj ET Q q 0 0 0 rg BT 520.70 165.10 Td (the ) Tj ET Q q 0 0 0 rg BT 535.22 165.10 Td (date ) Tj ET Q q 0 0 0 rg BT 554.17 165.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 153.10 Td (this ) Tj ET Q q 0 0 0 rg BT 66.02 153.10 Td (filing. ) Tj ET Q q 0 0 0 rg BT 92.25 153.10 Td ( ) Tj ET Q q 0 0 0 rg BT 94.17 153.10 Td (The ) Tj ET Q q 0 0 0 rg BT 111.79 153.10 Td (provisional ) Tj ET Q q 0 0 0 rg BT 158.86 153.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 190.92 153.10 Td (of ) Tj ET Q q 0 0 0 rg BT 201.32 153.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 236.70 153.10 Td (income ) Tj ET Q q 0 0 0 rg BT 268.20 153.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 282.49 153.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 316.77 153.10 Td (related ) Tj ET Q q 0 0 0 rg BT 346.04 153.10 Td (to ) Tj ET Q q 0 0 0 rg BT 355.89 153.10 Td (the ) Tj ET Q q 0 0 0 rg BT 370.18 153.10 Td (remeasurement ) Tj ET Q q 0 0 0 rg BT 433.33 153.10 Td (of ) Tj ET Q q 0 0 0 rg BT 443.73 153.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 473.00 153.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 508.37 153.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 522.66 153.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 548.06 153.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 141.10 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 91.35 141.10 Td (based ) Tj ET Q q 0 0 0 rg BT 116.25 141.10 Td (on ) Tj ET Q q 0 0 0 rg BT 128.38 141.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.72 141.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 163.73 141.10 Td (at ) Tj ET Q q 0 0 0 rg BT 173.08 141.10 Td (which ) Tj ET Q q 0 0 0 rg BT 199.65 141.10 Td (they ) Tj ET Q q 0 0 0 rg BT 218.99 141.10 Td (are ) Tj ET Q q 0 0 0 rg BT 233.33 141.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 270.99 141.10 Td (to ) Tj ET Q q 0 0 0 rg BT 280.90 141.10 Td (reverse ) Tj ET Q q 0 0 0 rg BT 311.90 141.10 Td (in ) Tj ET Q q 0 0 0 rg BT 321.81 141.10 Td (the ) Tj ET Q q 0 0 0 rg BT 336.16 141.10 Td (future, ) Tj ET Q q 0 0 0 rg BT 364.66 141.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.35 141.10 Td ($13.4 ) Tj ET Q q 0 0 0 rg BT 406.98 141.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.87 141.10 Td ( ) Tj ET Q q 0 0 0 rg BT 438.00 141.10 Td (and ) Tj ET Q q 0 0 0 rg BT 454.57 141.10 Td (is ) Tj ET Q q 0 0 0 rg BT 463.37 141.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 500.47 141.10 Td (in ) Tj ET Q q 0 0 0 rg BT 510.38 141.10 Td (the ) Tj ET Q q 0 0 0 rg BT 524.72 141.10 Td (provision ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 129.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.04 129.10 Td (income ) Tj ET Q q 0 0 0 rg BT 94.36 129.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 116.79 129.10 Td (line ) Tj ET Q q 0 0 0 rg BT 133.67 129.10 Td (item ) Tj ET Q q 0 0 0 rg BT 153.33 129.10 Td (of ) Tj ET Q q 0 0 0 rg BT 163.54 129.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.64 129.10 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 237.84 129.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 274.70 129.10 Td (statements. ) Tj ET Q q 0 0 0 rg BT 321.16 129.10 Td (The ) Tj ET Q q 0 0 0 rg BT 338.59 129.10 Td (total ) Tj ET Q q 0 0 0 rg BT 358.25 129.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 387.34 129.10 Td (of ) Tj ET Q q 0 0 0 rg BT 397.56 129.10 Td (the ) Tj ET Q q 0 0 0 rg BT 411.52 129.10 Td (T) Tj ET Q q 0 0 0 rg BT 416.93 129.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 427.84 129.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 444.16 129.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.60 129.10 Td ($13.1 ) Tj ET Q q 0 0 0 rg BT 485.98 129.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.87 129.10 Td ( ) Tj ET Q q 0 0 0 rg BT 516.76 129.10 Td (and ) Tj ET Q q 0 0 0 rg BT 533.08 129.10 Td (reflects ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 117.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.46 117.10 Td (remeasurement ) Tj ET Q q 0 0 0 rg BT 128.28 117.10 Td (of ) Tj ET Q q 0 0 0 rg BT 139.36 117.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 169.30 117.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 205.35 117.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 220.31 117.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 246.38 117.10 Td (and ) Tj ET Q q 0 0 0 rg BT 263.56 117.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 303.52 117.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.60 117.10 Td ($13.4 ) Tj ET Q q 0 0 0 rg BT 339.84 117.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.73 117.10 Td ( ) Tj ET Q q 0 0 0 rg BT 371.48 117.10 Td (and ) Tj ET Q q 0 0 0 rg BT 388.66 117.10 Td (a ) Tj ET Q q 0 0 0 rg BT 395.84 117.10 Td (current ) Tj ET Q q 0 0 0 rg BT 426.90 117.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 441.86 117.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 472.36 117.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.44 117.10 Td ($0.3 ) Tj ET Q q 0 0 0 rg BT 503.68 117.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.57 117.10 Td ( ) Tj ET Q q 0 0 0 rg BT 535.32 117.10 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 105.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.78 105.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.50 105.10 Td (change ) Tj ET Q q 0 0 0 rg BT 105.31 105.10 Td (in ) Tj ET Q q 0 0 0 rg BT 115.59 105.10 Td (the ) Tj ET Q q 0 0 0 rg BT 130.31 105.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 162.61 105.10 Td (T) Tj ET Q q 0 0 0 rg BT 168.02 105.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 179.96 105.10 Td (Rate. ) Tj ET Q endstream endobj 161 0 obj <>] /Rotate 0 /Contents 162 0 R>> endobj 162 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (79) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 731.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.55 731.10 Td (21% ) Tj ET Q q 0 0 0 rg BT 88.38 731.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 120.68 731.10 Td (T) Tj ET Q q 0 0 0 rg BT 126.09 731.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 138.03 731.10 Td (Rate ) Tj ET Q q 0 0 0 rg BT 158.86 731.10 Td (will ) Tj ET Q q 0 0 0 rg BT 176.91 731.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 201.63 731.10 Td (to ) Tj ET Q q 0 0 0 rg BT 211.91 731.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 236.06 731.10 Td (year ) Tj ET Q q 0 0 0 rg BT 255.77 731.10 Td (2019 ) Tj ET Q q 0 0 0 rg BT 278.27 731.10 Td (and ) Tj ET Q q 0 0 0 rg BT 295.21 731.10 Td (each ) Tj ET Q q 0 0 0 rg BT 316.02 731.10 Td (year ) Tj ET Q q 0 0 0 rg BT 335.73 731.10 Td (thereafter) Tj ET Q q 0 0 0 rg BT 373.48 731.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 713.10 Td (On ) Tj ET Q q 0 0 0 rg BT 64.35 713.10 Td (December ) Tj ET Q q 0 0 0 rg BT 108.05 713.10 Td (22, ) Tj ET Q q 0 0 0 rg BT 123.18 713.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 148.30 713.10 Td (Staf) Tj ET Q q 0 0 0 rg BT 164.23 713.10 Td (f ) Tj ET Q q 0 0 0 rg BT 169.60 713.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 218.88 713.10 Td (Bulletin ) Tj ET Q q 0 0 0 rg BT 253.73 713.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 271.07 713.10 Td (1) Tj ET Q q 0 0 0 rg BT 275.70 713.10 Td (18 ) Tj ET Q q 0 0 0 rg BT 288.32 713.10 Td (\(SAB ) Tj ET Q q 0 0 0 rg BT 318.17 713.10 Td (1) Tj ET Q q 0 0 0 rg BT 322.80 713.10 Td (18\) ) Tj ET Q q 0 0 0 rg BT 343.19 713.10 Td (was ) Tj ET Q q 0 0 0 rg BT 361.37 713.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 388.99 713.10 Td (to ) Tj ET Q q 0 0 0 rg BT 399.39 713.10 Td (address ) Tj ET Q q 0 0 0 rg BT 432.00 713.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.84 713.10 Td (application ) Tj ET Q q 0 0 0 rg BT 493.90 713.10 Td (of ) Tj ET Q q 0 0 0 rg BT 504.85 713.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 525.26 713.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 552.11 713.10 Td ( ) Tj ET Q q 0 0 0 rg BT 554.74 713.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 701.10 Td (situations ) Tj ET Q q 0 0 0 rg BT 90.12 701.10 Td (when ) Tj ET Q q 0 0 0 rg BT 114.06 701.10 Td (a ) Tj ET Q q 0 0 0 rg BT 120.78 701.10 Td (registrant ) Tj ET Q q 0 0 0 rg BT 160.82 701.10 Td (does ) Tj ET Q q 0 0 0 rg BT 181.44 701.10 Td (not ) Tj ET Q q 0 0 0 rg BT 196.50 701.10 Td (have ) Tj ET Q q 0 0 0 rg BT 217.65 701.10 Td (the ) Tj ET Q q 0 0 0 rg BT 232.15 701.10 Td (necessary ) Tj ET Q q 0 0 0 rg BT 273.30 701.10 Td (information ) Tj ET Q q 0 0 0 rg BT 322.80 701.10 Td (available, ) Tj ET Q q 0 0 0 rg BT 363.67 701.10 Td (prepared, ) Tj ET Q q 0 0 0 rg BT 403.42 701.10 Td (or ) Tj ET Q q 0 0 0 rg BT 414.04 701.10 Td (analyzed ) Tj ET Q q 0 0 0 rg BT 451.85 701.10 Td (\(including ) Tj ET Q q 0 0 0 rg BT 495.23 701.10 Td (computations\) ) Tj ET Q q 0 0 0 rg BT 554.73 701.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 689.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 94.67 689.10 Td (detail ) Tj ET Q q 0 0 0 rg BT 119.30 689.10 Td (to ) Tj ET Q q 0 0 0 rg BT 129.49 689.10 Td (complete ) Tj ET Q q 0 0 0 rg BT 168.56 689.10 Td (the ) Tj ET Q q 0 0 0 rg BT 183.19 689.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 229.48 689.10 Td (for ) Tj ET Q q 0 0 0 rg BT 243.56 689.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 273.17 689.10 Td (income ) Tj ET Q q 0 0 0 rg BT 305.02 689.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 319.66 689.10 Td (ef) Tj ET Q q 0 0 0 rg BT 327.24 689.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 348.54 689.10 Td (of ) Tj ET Q q 0 0 0 rg BT 359.28 689.10 Td (the ) Tj ET Q q 0 0 0 rg BT 373.74 689.10 Td (T) Tj ET Q q 0 0 0 rg BT 379.15 689.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 390.47 689.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 409.83 689.10 Td (In ) Tj ET Q q 0 0 0 rg BT 420.57 689.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 467.95 689.10 Td (with ) Tj ET Q q 0 0 0 rg BT 488.14 689.10 Td (SAB ) Tj ET Q q 0 0 0 rg BT 510.01 689.10 Td (1) Tj ET Q q 0 0 0 rg BT 514.64 689.10 Td (18, ) Tj ET Q q 0 0 0 rg BT 529.56 689.10 Td (we ) Tj ET Q q 0 0 0 rg BT 543.63 689.10 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 677.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 96.96 677.10 Td (that ) Tj ET Q q 0 0 0 rg BT 114.43 677.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.13 677.10 Td ($13.4 ) Tj ET Q q 0 0 0 rg BT 154.10 677.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.00 677.10 Td ( ) Tj ET Q q 0 0 0 rg BT 185.47 677.10 Td (of ) Tj ET Q q 0 0 0 rg BT 196.28 677.10 Td (the ) Tj ET Q q 0 0 0 rg BT 210.98 677.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 246.76 677.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 261.46 677.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 296.14 677.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 333.59 677.10 Td (in ) Tj ET Q q 0 0 0 rg BT 343.85 677.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 390.20 677.10 Td (with ) Tj ET Q q 0 0 0 rg BT 410.46 677.10 Td (the ) Tj ET Q q 0 0 0 rg BT 425.15 677.10 Td (remeasurement ) Tj ET Q q 0 0 0 rg BT 488.71 677.10 Td (of ) Tj ET Q q 0 0 0 rg BT 499.52 677.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 529.20 677.10 Td (deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 665.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 64.58 665.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 90.76 665.10 Td (and ) Tj ET Q q 0 0 0 rg BT 108.06 665.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 148.14 665.10 Td (was ) Tj ET Q q 0 0 0 rg BT 166.55 665.10 Td (a ) Tj ET Q q 0 0 0 rg BT 173.85 665.10 Td (provisional ) Tj ET Q q 0 0 0 rg BT 221.70 665.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 254.55 665.10 Td (and ) Tj ET Q q 0 0 0 rg BT 271.85 665.10 Td (a ) Tj ET Q q 0 0 0 rg BT 279.15 665.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 324.76 665.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 360.94 665.10 Td (at ) Tj ET Q q 0 0 0 rg BT 371.02 665.10 Td (January ) Tj ET Q q 0 0 0 rg BT 404.97 665.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 420.33 665.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 445.06 665.10 Td (Additional ) Tj ET Q q 0 0 0 rg BT 490.69 665.10 Td (work ) Tj ET Q q 0 0 0 rg BT 514.10 665.10 Td (is ) Tj ET Q q 0 0 0 rg BT 523.63 665.10 Td (necessary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 653.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.65 653.10 Td (a ) Tj ET Q q 0 0 0 rg BT 70.58 653.10 Td (more ) Tj ET Q q 0 0 0 rg BT 93.62 653.10 Td (detailed ) Tj ET Q q 0 0 0 rg BT 127.76 653.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 162.46 653.10 Td (of ) Tj ET Q q 0 0 0 rg BT 173.28 653.10 Td (the ) Tj ET Q q 0 0 0 rg BT 187.99 653.10 Td (Company) Tj ET Q q 0 0 0 rg BT 229.66 653.10 Td (s ) Tj ET Q q 0 0 0 rg BT 236.04 653.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 271.83 653.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 286.54 653.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 312.36 653.10 Td (and ) Tj ET Q q 0 0 0 rg BT 329.29 653.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 369.00 653.10 Td (as ) Tj ET Q q 0 0 0 rg BT 379.82 653.10 Td (well ) Tj ET Q q 0 0 0 rg BT 399.52 653.10 Td (as ) Tj ET Q q 0 0 0 rg BT 410.34 653.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 447.83 653.10 Td (correlative ) Tj ET Q q 0 0 0 rg BT 493.06 653.10 Td (adjustments. ) Tj ET Q q 0 0 0 rg BT 545.28 653.10 Td (Any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 641.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 95.84 641.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 141.61 641.10 Td (to ) Tj ET Q q 0 0 0 rg BT 151.29 641.10 Td (those ) Tj ET Q q 0 0 0 rg BT 174.29 641.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 210.08 641.10 Td (will ) Tj ET Q q 0 0 0 rg BT 227.53 641.10 Td (be ) Tj ET Q q 0 0 0 rg BT 238.87 641.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 275.74 641.10 Td (to ) Tj ET Q q 0 0 0 rg BT 285.42 641.10 Td (current ) Tj ET Q q 0 0 0 rg BT 315.63 641.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 329.74 641.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 363.85 641.10 Td (in ) Tj ET Q q 0 0 0 rg BT 373.52 641.10 Td (the ) Tj ET Q q 0 0 0 rg BT 387.63 641.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 417.85 641.10 Td (of ) Tj ET Q q 0 0 0 rg BT 428.07 641.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 451.63 641.10 Td (year ) Tj ET Q q 0 0 0 rg BT 470.73 641.10 Td (2019 ) Tj ET Q q 0 0 0 rg BT 492.63 641.10 Td (when ) Tj ET Q q 0 0 0 rg BT 516.18 641.10 Td (the ) Tj ET Q q 0 0 0 rg BT 530.30 641.10 Td (analysis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 629.10 Td (is ) Tj ET Q q 0 0 0 rg BT 58.67 629.10 Td (complete.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 611.10 Td (8. ) Tj ET Q q 0 0 0 rg BT 67.50 611.10 Td (Leases) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.83 611.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 593.10 Td (For ) Tj ET Q q 0 0 0 rg BT 66.64 593.10 Td (the ) Tj ET Q q 0 0 0 rg BT 82.10 593.10 Td (years ) Tj ET Q q 0 0 0 rg BT 106.45 593.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.57 593.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 182.92 593.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.92 593.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.67 593.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.67 593.10 Td ( ) Tj ET Q q 0 0 0 rg BT 231.91 593.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.60 593.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.60 593.10 Td (, ) Tj ET Q q 0 0 0 rg BT 275.34 593.10 Td (total ) Tj ET Q q 0 0 0 rg BT 296.37 593.10 Td (rent ) Tj ET Q q 0 0 0 rg BT 315.16 593.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 350.61 593.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.41 593.10 Td ($51.4 ) Tj ET Q q 0 0 0 rg BT 395.16 593.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.05 593.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.80 593.10 Td ($50.9 ) Tj ET Q q 0 0 0 rg BT 455.54 593.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.44 593.10 Td ( ) Tj ET Q q 0 0 0 rg BT 487.68 593.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.37 593.10 Td ($44.7 ) Tj ET Q q 0 0 0 rg BT 531.12 593.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 560.01 593.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 581.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.16 581.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 563.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.11 563.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.94 563.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 122.54 563.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.54 563.10 Td (, ) Tj ET Q q 0 0 0 rg BT 147.54 563.10 Td (our ) Tj ET Q q 0 0 0 rg BT 163.37 563.10 Td (future ) Tj ET Q q 0 0 0 rg BT 189.75 563.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 231.14 563.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 253.63 563.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 294.45 563.10 Td (are ) Tj ET Q q 0 0 0 rg BT 309.16 563.10 Td (as ) Tj ET Q q 0 0 0 rg BT 319.99 563.10 Td (follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 522.60 378.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 522.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 522.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 522.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 493.60 378.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 493.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 493.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 493.60 64.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 463.60 378.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 463.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 463.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 463.60 64.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 433.60 378.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 433.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 433.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 433.60 64.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 403.60 378.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 403.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 403.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 403.60 64.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 373.60 378.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 373.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 373.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 373.60 64.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 522.6 m 493 522.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 522.6 m 561 522.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 418.6 m 561 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 418.6 m 493 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 404.6 m 493 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 402.6 m 493 402.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 388.6 m 561 388.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 358.6 m 561 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 344.6 m 561 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 342.6 m 561 342.6 l s BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 527.31 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 438.05 537.28 Td (Operating) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 445.80 527.28 Td (Leases) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 512.65 537.28 Td (Capital) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 514.30 527.28 Td (Leases) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 513.28 Td (Y) Tj ET Q q 0 0 0 rg BT 58.61 513.28 Td (ear) Tj ET Q q 0 0 0 rg BT 72.31 513.28 Td ( ending January 31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 498.27 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 498.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 498.27 Td (61,140) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 498.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.65 498.27 Td (1,192) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 483.27 Td (2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 483.27 Td (60,235) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.15 483.27 Td (827) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 468.27 Td (2021) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 468.27 Td (58,418) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.15 468.27 Td (508) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 453.27 Td (2022) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 453.27 Td (56,447) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.15 453.27 Td (508) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 438.27 Td (2023) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 438.27 Td (54,616) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.15 438.27 Td (255) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 423.27 Td (Thereafter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.65 423.27 Td (143,798) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.65 423.27 Td (3,954) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.50 408.27 Td (T) Tj ET Q q 0 0 0 rg BT 69.91 408.27 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 408.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.65 408.27 Td (434,654) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.65 408.27 Td (7,244) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 393.27 Td (Less - interest on capital lease obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.30 393.32 Td (\(2,295) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.15 393.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.50 378.27 Td (T) Tj ET Q q 0 0 0 rg BT 82.26 378.27 Td (otal principal payable on capital lease obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.65 378.27 Td (4,949) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 363.27 Td (Less - current maturities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.80 363.32 Td (\(907) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.15 363.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.50 348.27 Td (Long-term capital lease obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 348.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.65 348.27 Td (4,042) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 326.10 Td (9. ) Tj ET Q q 0 0 0 rg BT 59.50 326.10 Td ( ) Tj ET Q q 0 0 0 rg BT 67.50 326.10 Td (Stock-Based ) Tj ET Q q 0 0 0 rg BT 122.78 326.10 Td (Compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.46 326.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 308.10 Td (On ) Tj ET Q q 0 0 0 rg BT 63.24 308.10 Td (May ) Tj ET Q q 0 0 0 rg BT 83.09 308.10 Td (25, ) Tj ET Q q 0 0 0 rg BT 97.10 308.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 121.12 308.10 Td (our ) Tj ET Q q 0 0 0 rg BT 135.97 308.10 Td (stockholders ) Tj ET Q q 0 0 0 rg BT 188.03 308.10 Td (approved ) Tj ET Q q 0 0 0 rg BT 226.76 308.10 Td (the ) Tj ET Q q 0 0 0 rg BT 240.49 308.10 Td (Conn) Tj ET Q q 0 0 0 rg BT 264.94 308.10 Td (s, ) Tj ET Q q 0 0 0 rg BT 272.85 308.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 289.64 308.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 311.15 308.10 Td (Omnibus ) Tj ET Q q 0 0 0 rg BT 349.34 308.10 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 388.06 308.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 407.36 308.10 Td (\("2016 ) Tj ET Q q 0 0 0 rg BT 436.29 308.10 Td (Plan"\) ) Tj ET Q q 0 0 0 rg BT 463.00 308.10 Td (which ) Tj ET Q q 0 0 0 rg BT 488.95 308.10 Td (had ) Tj ET Q q 0 0 0 rg BT 504.91 308.10 Td (been ) Tj ET Q q 0 0 0 rg BT 525.30 308.10 Td (approved ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 296.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 93.83 296.10 Td (by ) Tj ET Q q 0 0 0 rg BT 105.95 296.10 Td (our ) Tj ET Q q 0 0 0 rg BT 121.40 296.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 147.96 296.10 Td (of ) Tj ET Q q 0 0 0 rg BT 158.41 296.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 197.73 296.10 Td (on ) Tj ET Q q 0 0 0 rg BT 209.85 296.10 Td (March ) Tj ET Q q 0 0 0 rg BT 238.07 296.10 Td (23, ) Tj ET Q q 0 0 0 rg BT 252.68 296.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 277.30 296.10 Td (and ) Tj ET Q q 0 0 0 rg BT 293.86 296.10 Td (which ) Tj ET Q q 0 0 0 rg BT 320.42 296.10 Td (replaced ) Tj ET Q q 0 0 0 rg BT 356.40 296.10 Td (our ) Tj ET Q q 0 0 0 rg BT 371.84 296.10 Td (201) Tj ET Q q 0 0 0 rg BT 386.47 296.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 393.59 296.10 Td (Omnibus ) Tj ET Q q 0 0 0 rg BT 432.38 296.10 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 471.70 296.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 491.60 296.10 Td (\("201) Tj ET Q q 0 0 0 rg BT 513.64 296.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 520.76 296.10 Td (Plan"\) ) Tj ET Q q 0 0 0 rg BT 548.06 296.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 284.10 Td (our ) Tj ET Q q 0 0 0 rg BT 64.89 284.10 Td (Amended ) Tj ET Q q 0 0 0 rg BT 106.42 284.10 Td (and ) Tj ET Q q 0 0 0 rg BT 123.50 284.10 Td (Restated ) Tj ET Q q 0 0 0 rg BT 160.59 284.10 Td (2003 ) Tj ET Q q 0 0 0 rg BT 183.23 284.10 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 223.08 284.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 248.51 284.10 Td (Option ) Tj ET Q q 0 0 0 rg BT 278.94 284.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 299.36 284.10 Td (\("2003 ) Tj ET Q q 0 0 0 rg BT 329.42 284.10 Td (Plan"\). ) Tj ET Q q 0 0 0 rg BT 359.57 284.10 Td (The ) Tj ET Q q 0 0 0 rg BT 377.77 284.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 400.41 284.10 Td (Plan, ) Tj ET Q q 0 0 0 rg BT 423.34 284.10 Td (as ) Tj ET Q q 0 0 0 rg BT 434.32 284.10 Td (originally ) Tj ET Q q 0 0 0 rg BT 475.85 284.10 Td (adopted, ) Tj ET Q q 0 0 0 rg BT 512.65 284.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 550.85 284.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 272.10 Td (1,200,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.50 272.10 Td ( ) Tj ET Q q 0 0 0 rg BT 92.49 272.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 120.47 272.10 Td (of ) Tj ET Q q 0 0 0 rg BT 131.79 272.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 173.67 272.10 Td (common ) Tj ET Q q 0 0 0 rg BT 211.66 272.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 235.75 272.10 Td (available ) Tj ET Q q 0 0 0 rg BT 274.83 272.10 Td (for ) Tj ET Q q 0 0 0 rg BT 289.49 272.10 Td (issuance. ) Tj ET Q q 0 0 0 rg BT 328.85 272.10 Td (Shares ) Tj ET Q q 0 0 0 rg BT 358.50 272.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 389.82 272.10 Td (to ) Tj ET Q q 0 0 0 rg BT 400.59 272.10 Td (an ) Tj ET Q q 0 0 0 rg BT 413.02 272.10 Td (award ) Tj ET Q q 0 0 0 rg BT 440.44 272.10 Td (under ) Tj ET Q q 0 0 0 rg BT 466.20 272.10 Td (the ) Tj ET Q q 0 0 0 rg BT 481.40 272.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 504.40 272.10 Td (Plan, ) Tj ET Q q 0 0 0 rg BT 527.66 272.10 Td (the ) Tj ET Q q 0 0 0 rg BT 542.87 272.10 Td (201) Tj ET Q q 0 0 0 rg BT 557.50 272.10 Td (1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 260.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 69.96 260.10 Td (or ) Tj ET Q q 0 0 0 rg BT 80.97 260.10 Td (the ) Tj ET Q q 0 0 0 rg BT 95.87 260.10 Td (2003 ) Tj ET Q q 0 0 0 rg BT 118.56 260.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 139.02 260.10 Td (that ) Tj ET Q q 0 0 0 rg BT 156.70 260.10 Td (lapse, ) Tj ET Q q 0 0 0 rg BT 182.43 260.10 Td (expire, ) Tj ET Q q 0 0 0 rg BT 212.60 260.10 Td (are ) Tj ET Q q 0 0 0 rg BT 227.49 260.10 Td (forfeited ) Tj ET Q q 0 0 0 rg BT 264.59 260.10 Td (or ) Tj ET Q q 0 0 0 rg BT 275.61 260.10 Td (terminated, ) Tj ET Q q 0 0 0 rg BT 323.55 260.10 Td (or ) Tj ET Q q 0 0 0 rg BT 334.56 260.10 Td (are ) Tj ET Q q 0 0 0 rg BT 349.45 260.10 Td (settled ) Tj ET Q q 0 0 0 rg BT 378.24 260.10 Td (in ) Tj ET Q q 0 0 0 rg BT 388.70 260.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 409.15 260.10 Td (will ) Tj ET Q q 0 0 0 rg BT 427.39 260.10 Td (again ) Tj ET Q q 0 0 0 rg BT 451.73 260.10 Td (become ) Tj ET Q q 0 0 0 rg BT 485.51 260.10 Td (available ) Tj ET Q q 0 0 0 rg BT 524.28 260.10 Td (for ) Tj ET Q q 0 0 0 rg BT 538.62 260.10 Td (future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 248.10 Td (grant ) Tj ET Q q 0 0 0 rg BT 72.66 248.10 Td (under ) Tj ET Q q 0 0 0 rg BT 98.04 248.10 Td (the ) Tj ET Q q 0 0 0 rg BT 112.86 248.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 135.47 248.10 Td (Plan.Shares ) Tj ET Q q 0 0 0 rg BT 187.52 248.10 Td (will ) Tj ET Q q 0 0 0 rg BT 205.69 248.10 Td (not ) Tj ET Q q 0 0 0 rg BT 221.07 248.10 Td (become ) Tj ET Q q 0 0 0 rg BT 254.78 248.10 Td (available ) Tj ET Q q 0 0 0 rg BT 293.48 248.10 Td (for ) Tj ET Q q 0 0 0 rg BT 307.75 248.10 Td (future ) Tj ET Q q 0 0 0 rg BT 334.23 248.10 Td (grant ) Tj ET Q q 0 0 0 rg BT 357.39 248.10 Td (under ) Tj ET Q q 0 0 0 rg BT 382.77 248.10 Td (the ) Tj ET Q q 0 0 0 rg BT 397.60 248.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 420.21 248.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 440.59 248.10 Td (if ) Tj ET Q q 0 0 0 rg BT 449.31 248.10 Td (delivered ) Tj ET Q q 0 0 0 rg BT 489.12 248.10 Td (or ) Tj ET Q q 0 0 0 rg BT 500.06 248.10 Td (withheld ) Tj ET Q q 0 0 0 rg BT 537.67 248.10 Td (to ) Tj ET Q q 0 0 0 rg BT 548.06 248.10 Td (pay ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 236.10 Td (withholding ) Tj ET Q q 0 0 0 rg BT 100.57 236.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 123.84 236.10 Td (or ) Tj ET Q q 0 0 0 rg BT 134.90 236.10 Td (the ) Tj ET Q q 0 0 0 rg BT 149.85 236.10 Td (exercise ) Tj ET Q q 0 0 0 rg BT 185.34 236.10 Td (price ) Tj ET Q q 0 0 0 rg BT 208.05 236.10 Td (of ) Tj ET Q q 0 0 0 rg BT 219.11 236.10 Td (an ) Tj ET Q q 0 0 0 rg BT 231.28 236.10 Td (option ) Tj ET Q q 0 0 0 rg BT 259.57 236.10 Td (or ) Tj ET Q q 0 0 0 rg BT 270.63 236.10 Td (repurchased ) Tj ET Q q 0 0 0 rg BT 321.67 236.10 Td (on ) Tj ET Q q 0 0 0 rg BT 334.40 236.10 Td (the ) Tj ET Q q 0 0 0 rg BT 349.35 236.10 Td (open ) Tj ET Q q 0 0 0 rg BT 371.52 236.10 Td (market ) Tj ET Q q 0 0 0 rg BT 402.01 236.10 Td (with ) Tj ET Q q 0 0 0 rg BT 422.52 236.10 Td (the ) Tj ET Q q 0 0 0 rg BT 437.47 236.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 475.74 236.10 Td (of ) Tj ET Q q 0 0 0 rg BT 486.80 236.10 Td (an ) Tj ET Q q 0 0 0 rg BT 498.97 236.10 Td (option ) Tj ET Q q 0 0 0 rg BT 527.26 236.10 Td (exercise. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 224.10 Td (On ) Tj ET Q q 0 0 0 rg BT 65.29 224.10 Td (May ) Tj ET Q q 0 0 0 rg BT 87.19 224.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 103.26 224.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 129.33 224.10 Td (our ) Tj ET Q q 0 0 0 rg BT 146.22 224.10 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 200.33 224.10 Td (approved ) Tj ET Q q 0 0 0 rg BT 241.10 224.10 Td (an ) Tj ET Q q 0 0 0 rg BT 254.11 224.10 Td (amendment ) Tj ET Q q 0 0 0 rg BT 304.33 224.10 Td (to ) Tj ET Q q 0 0 0 rg BT 315.68 224.10 Td (the ) Tj ET Q q 0 0 0 rg BT 331.46 224.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 355.03 224.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 376.38 224.10 Td (authorizing ) Tj ET Q q 0 0 0 rg BT 425.49 224.10 Td (an ) Tj ET Q q 0 0 0 rg BT 438.49 224.10 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.05 224.10 Td (1,400,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.05 224.10 Td ( ) Tj ET Q q 0 0 0 rg BT 525.62 224.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 554.18 224.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 212.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 90.89 212.10 Td (common ) Tj ET Q q 0 0 0 rg BT 128.38 212.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 151.99 212.10 Td (for ) Tj ET Q q 0 0 0 rg BT 166.15 212.10 Td (awards. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 194.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.24 194.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 91.42 194.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 112.38 194.10 Td (is ) Tj ET Q q 0 0 0 rg BT 122.23 194.10 Td (an ) Tj ET Q q 0 0 0 rg BT 134.86 194.10 Td (equity-based ) Tj ET Q q 0 0 0 rg BT 189.13 194.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 247.86 194.10 Td (plan ) Tj ET Q q 0 0 0 rg BT 268.26 194.10 Td (that ) Tj ET Q q 0 0 0 rg BT 286.44 194.10 Td (allows ) Tj ET Q q 0 0 0 rg BT 315.73 194.10 Td (for ) Tj ET Q q 0 0 0 rg BT 330.57 194.10 Td (the ) Tj ET Q q 0 0 0 rg BT 345.97 194.10 Td (grant ) Tj ET Q q 0 0 0 rg BT 369.71 194.10 Td (of ) Tj ET Q q 0 0 0 rg BT 381.22 194.10 Td (a ) Tj ET Q q 0 0 0 rg BT 388.84 194.10 Td (variety ) Tj ET Q q 0 0 0 rg BT 419.79 194.10 Td (of ) Tj ET Q q 0 0 0 rg BT 431.30 194.10 Td (awards, ) Tj ET Q q 0 0 0 rg BT 465.31 194.10 Td (including ) Tj ET Q q 0 0 0 rg BT 506.26 194.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 530.55 194.10 Td (options, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 182.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 89.05 182.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 112.50 182.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 143.16 182.10 Td (\("RSAs"\), ) Tj ET Q q 0 0 0 rg BT 186.17 182.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 225.72 182.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 249.17 182.10 Td (unit ) Tj ET Q q 0 0 0 rg BT 267.07 182.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 297.74 182.10 Td (\("RSUs"\), ) Tj ET Q q 0 0 0 rg BT 340.75 182.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 393.62 182.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 417.07 182.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 447.73 182.10 Td (\("PSUs"\), ) Tj ET Q q 0 0 0 rg BT 489.64 182.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 513.09 182.10 Td (appreciation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 170.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 73.72 170.10 Td (and ) Tj ET Q q 0 0 0 rg BT 89.59 170.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 141.55 170.10 Td (and ) Tj ET Q q 0 0 0 rg BT 157.43 170.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 176.64 170.10 Td (awards. ) Tj ET Q q 0 0 0 rg BT 208.58 170.10 Td (A) Tj ET Q q 0 0 0 rg BT 214.88 170.10 Td (wards ) Tj ET Q q 0 0 0 rg BT 240.20 170.10 Td (are ) Tj ET Q q 0 0 0 rg BT 253.85 170.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 292.49 170.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 323.91 170.10 Td (once ) Tj ET Q q 0 0 0 rg BT 344.22 170.10 Td (per ) Tj ET Q q 0 0 0 rg BT 358.43 170.10 Td (year) Tj ET Q q 0 0 0 rg BT 375.24 170.10 Td (, ) Tj ET Q q 0 0 0 rg BT 379.18 170.10 Td (with ) Tj ET Q q 0 0 0 rg BT 398.39 170.10 Td (the ) Tj ET Q q 0 0 0 rg BT 412.05 170.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 443.48 170.10 Td (and ) Tj ET Q q 0 0 0 rg BT 459.36 170.10 Td (type ) Tj ET Q q 0 0 0 rg BT 478.01 170.10 Td (of ) Tj ET Q q 0 0 0 rg BT 487.78 170.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 517.54 170.10 Td (determined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 158.10 Td (by ) Tj ET Q q 0 0 0 rg BT 63.09 158.10 Td (the ) Tj ET Q q 0 0 0 rg BT 78.90 158.10 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 140.27 158.10 Td (Committee ) Tj ET Q q 0 0 0 rg BT 188.30 158.10 Td (of ) Tj ET Q q 0 0 0 rg BT 200.22 158.10 Td (our ) Tj ET Q q 0 0 0 rg BT 217.15 158.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 245.18 158.10 Td (of ) Tj ET Q q 0 0 0 rg BT 257.10 158.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 297.90 158.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 317.04 158.10 Td ("Committee"\). ) Tj ET Q q 0 0 0 rg BT 379.06 158.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 405.44 158.10 Td (options ) Tj ET Q q 0 0 0 rg BT 438.48 158.10 Td (and ) Tj ET Q q 0 0 0 rg BT 456.51 158.10 Td (RSUs ) Tj ET Q q 0 0 0 rg BT 483.45 158.10 Td (are ) Tj ET Q q 0 0 0 rg BT 499.25 158.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 531.16 158.10 Td (to ) Tj ET Q q 0 0 0 rg BT 542.53 158.10 Td (early ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 146.10 Td (termination ) Tj ET Q q 0 0 0 rg BT 97.90 146.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 141.88 146.10 Td (but ) Tj ET Q q 0 0 0 rg BT 156.97 146.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 196.47 146.10 Td (vest ) Tj ET Q q 0 0 0 rg BT 214.89 146.10 Td (over ) Tj ET Q q 0 0 0 rg BT 234.96 146.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 266.71 146.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.34 146.10 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.78 146.10 Td ( ) Tj ET Q q 0 0 0 rg BT 294.09 146.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.17 146.10 Td (five) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.72 146.10 Td ( ) Tj ET Q q 0 0 0 rg BT 322.03 146.10 Td (years ) Tj ET Q q 0 0 0 rg BT 345.43 146.10 Td (from ) Tj ET Q q 0 0 0 rg BT 367.18 146.10 Td (the ) Tj ET Q q 0 0 0 rg BT 381.70 146.10 Td (date ) Tj ET Q q 0 0 0 rg BT 400.66 146.10 Td (of ) Tj ET Q q 0 0 0 rg BT 411.30 146.10 Td (grant. ) Tj ET Q q 0 0 0 rg BT 436.65 146.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 461.73 146.10 Td (options ) Tj ET Q q 0 0 0 rg BT 493.49 146.10 Td (under ) Tj ET Q q 0 0 0 rg BT 518.56 146.10 Td (the ) Tj ET Q q 0 0 0 rg BT 533.09 146.10 Td (various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 134.10 Td (plans ) Tj ET Q q 0 0 0 rg BT 73.51 134.10 Td (are ) Tj ET Q q 0 0 0 rg BT 88.61 134.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 116.51 134.10 Td (with ) Tj ET Q q 0 0 0 rg BT 137.18 134.10 Td (exercise ) Tj ET Q q 0 0 0 rg BT 172.83 134.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 199.61 134.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 224.16 134.10 Td (to ) Tj ET Q q 0 0 0 rg BT 234.83 134.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.95 134.10 Td (market ) Tj ET Q q 0 0 0 rg BT 280.61 134.10 Td (value ) Tj ET Q q 0 0 0 rg BT 305.16 134.10 Td (on ) Tj ET Q q 0 0 0 rg BT 318.06 134.10 Td (the ) Tj ET Q q 0 0 0 rg BT 333.17 134.10 Td (date ) Tj ET Q q 0 0 0 rg BT 352.72 134.10 Td (of ) Tj ET Q q 0 0 0 rg BT 363.95 134.10 Td (the ) Tj ET Q q 0 0 0 rg BT 379.06 134.10 Td (grant ) Tj ET Q q 0 0 0 rg BT 402.51 134.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 422.34 134.10 Td (typically) Tj ET Q q 0 0 0 rg BT 456.68 134.10 Td (, ) Tj ET Q q 0 0 0 rg BT 462.08 134.10 Td (expire ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.96 134.10 Td (ten) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.18 134.10 Td ( ) Tj ET Q q 0 0 0 rg BT 505.08 134.10 Td (years ) Tj ET Q q 0 0 0 rg BT 529.07 134.10 Td (after ) Tj ET Q q 0 0 0 rg BT 550.29 134.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 122.10 Td (date ) Tj ET Q q 0 0 0 rg BT 68.48 122.10 Td (of ) Tj ET Q q 0 0 0 rg BT 79.14 122.10 Td (grant. ) Tj ET Q q 0 0 0 rg BT 104.51 122.10 Td ( ) Tj ET Q q 0 0 0 rg BT 106.83 122.10 Td (Generally) Tj ET Q q 0 0 0 rg BT 145.61 122.10 Td (, ) Tj ET Q q 0 0 0 rg BT 150.44 122.10 Td (stock-based ) Tj ET Q q 0 0 0 rg BT 199.97 122.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 230.61 122.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 262.92 122.10 Td (under ) Tj ET Q q 0 0 0 rg BT 288.02 122.10 Td (the ) Tj ET Q q 0 0 0 rg BT 302.56 122.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 324.89 122.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 344.99 122.10 Td (will ) Tj ET Q q 0 0 0 rg BT 362.87 122.10 Td (not ) Tj ET Q q 0 0 0 rg BT 377.98 122.10 Td (become ) Tj ET Q q 0 0 0 rg BT 411.40 122.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 432.61 122.10 Td (vested ) Tj ET Q q 0 0 0 rg BT 460.48 122.10 Td (or ) Tj ET Q q 0 0 0 rg BT 471.14 122.10 Td (exercisable ) Tj ET Q q 0 0 0 rg BT 518.43 122.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 540.20 122.10 Td (to ) Tj ET Q q 0 0 0 rg BT 550.30 122.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 110.10 Td (one-year ) Tj ET Q q 0 0 0 rg BT 87.05 110.10 Td (anniversary ) Tj ET Q q 0 0 0 rg BT 136.27 110.10 Td (of ) Tj ET Q q 0 0 0 rg BT 147.17 110.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.96 110.10 Td (date ) Tj ET Q q 0 0 0 rg BT 181.18 110.10 Td (of ) Tj ET Q q 0 0 0 rg BT 192.09 110.10 Td (grant, ) Tj ET Q q 0 0 0 rg BT 217.71 110.10 Td (except ) Tj ET Q q 0 0 0 rg BT 246.37 110.10 Td (that ) Tj ET Q q 0 0 0 rg BT 263.94 110.10 Td (this ) Tj ET Q q 0 0 0 rg BT 280.96 110.10 Td (restriction ) Tj ET Q q 0 0 0 rg BT 324.07 110.10 Td (will ) Tj ET Q q 0 0 0 rg BT 342.20 110.10 Td (not ) Tj ET Q q 0 0 0 rg BT 357.55 110.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 382.34 110.10 Td (to ) Tj ET Q q 0 0 0 rg BT 392.69 110.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 423.59 110.10 Td (to ) Tj ET Q q 0 0 0 rg BT 433.94 110.10 Td (the ) Tj ET Q q 0 0 0 rg BT 448.73 110.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 475.73 110.10 Td (the ) Tj ET Q q 0 0 0 rg BT 490.52 110.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 531.96 110.10 Td (number ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 98.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.05 98.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 89.26 98.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 120.81 98.10 Td (to ) Tj ET Q q 0 0 0 rg BT 131.81 98.10 Td (such ) Tj ET Q q 0 0 0 rg BT 153.36 98.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 184.90 98.10 Td (do ) Tj ET Q q 0 0 0 rg BT 198.13 98.10 Td (not ) Tj ET Q q 0 0 0 rg BT 214.13 98.10 Td (exceed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.10 98.10 Td (5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.43 98.10 Td ( ) Tj ET Q q 0 0 0 rg BT 261.65 98.10 Td (of ) Tj ET Q q 0 0 0 rg BT 273.21 98.10 Td (the ) Tj ET Q q 0 0 0 rg BT 288.64 98.10 Td (total ) Tj ET Q q 0 0 0 rg BT 309.64 98.10 Td (number ) Tj ET Q q 0 0 0 rg BT 343.41 98.10 Td (of ) Tj ET Q q 0 0 0 rg BT 354.96 98.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 383.17 98.10 Td (initially ) Tj ET Q q 0 0 0 rg BT 417.50 98.10 Td (available ) Tj ET Q q 0 0 0 rg BT 456.81 98.10 Td (under ) Tj ET Q q 0 0 0 rg BT 482.80 98.10 Td (the ) Tj ET Q q 0 0 0 rg BT 498.24 98.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 521.46 98.10 Td (Plan. ) Tj ET Q q 0 0 0 rg BT 544.73 98.10 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 86.10 Td (restriction ) Tj ET Q q 0 0 0 rg BT 92.41 86.10 Td (also ) Tj ET Q q 0 0 0 rg BT 110.88 86.10 Td (does ) Tj ET Q q 0 0 0 rg BT 131.58 86.10 Td (not ) Tj ET Q q 0 0 0 rg BT 146.73 86.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 171.31 86.10 Td (to ) Tj ET Q q 0 0 0 rg BT 181.46 86.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.04 86.10 Td (acceleration ) Tj ET Q q 0 0 0 rg BT 246.70 86.10 Td (of ) Tj ET Q q 0 0 0 rg BT 257.40 86.10 Td (vesting ) Tj ET Q q 0 0 0 rg BT 288.66 86.10 Td (or ) Tj ET Q q 0 0 0 rg BT 299.35 86.10 Td (exercisability ) Tj ET Q q 0 0 0 rg BT 355.59 86.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 377.95 86.10 Td (or ) Tj ET Q q 0 0 0 rg BT 388.65 86.10 Td (after ) Tj ET Q q 0 0 0 rg BT 409.33 86.10 Td (a ) Tj ET Q q 0 0 0 rg BT 416.14 86.10 Td (change ) Tj ET Q q 0 0 0 rg BT 446.82 86.10 Td (in ) Tj ET Q q 0 0 0 rg BT 456.97 86.10 Td (control ) Tj ET Q q 0 0 0 rg BT 487.66 86.10 Td (of ) Tj ET Q q 0 0 0 rg BT 498.36 86.10 Td (the ) Tj ET Q q 0 0 0 rg BT 512.94 86.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 554.20 86.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 74.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.22 74.10 Td (right ) Tj ET Q q 0 0 0 rg BT 85.60 74.10 Td (of ) Tj ET Q q 0 0 0 rg BT 96.43 74.10 Td (the ) Tj ET Q q 0 0 0 rg BT 111.15 74.10 Td (Committee ) Tj ET Q q 0 0 0 rg BT 158.09 74.10 Td (to ) Tj ET Q q 0 0 0 rg BT 168.37 74.10 Td (accelerate ) Tj ET Q q 0 0 0 rg BT 210.82 74.10 Td (vesting ) Tj ET Q q 0 0 0 rg BT 242.21 74.10 Td (or ) Tj ET Q q 0 0 0 rg BT 253.04 74.10 Td (exercisability ) Tj ET Q q 0 0 0 rg BT 309.41 74.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 331.91 74.10 Td (a ) Tj ET Q q 0 0 0 rg BT 338.85 74.10 Td (participant) Tj ET Q q 0 0 0 rg BT 384.38 74.10 Td (s ) Tj ET Q q 0 0 0 rg BT 390.77 74.10 Td (termination ) Tj ET Q q 0 0 0 rg BT 439.37 74.10 Td (of ) Tj ET Q q 0 0 0 rg BT 450.20 74.10 Td (employment ) Tj ET Q q 0 0 0 rg BT 502.69 74.10 Td (or ) Tj ET Q q 0 0 0 rg BT 513.52 74.10 Td (service. ) Tj ET Q endstream endobj 163 0 obj <>] /Rotate 0 /Contents 164 0 R>> endobj 164 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (80) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 731.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.74 731.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.86 731.10 Td (event ) Tj ET Q q 0 0 0 rg BT 100.43 731.10 Td (of ) Tj ET Q q 0 0 0 rg BT 111.66 731.10 Td (a ) Tj ET Q q 0 0 0 rg BT 119.01 731.10 Td (change ) Tj ET Q q 0 0 0 rg BT 150.23 731.10 Td (in ) Tj ET Q q 0 0 0 rg BT 160.92 731.10 Td (control ) Tj ET Q q 0 0 0 rg BT 192.15 731.10 Td (of ) Tj ET Q q 0 0 0 rg BT 203.39 731.10 Td (the ) Tj ET Q q 0 0 0 rg BT 218.51 731.10 Td (Company) Tj ET Q q 0 0 0 rg BT 256.75 731.10 Td (, ) Tj ET Q q 0 0 0 rg BT 262.16 731.10 Td (as ) Tj ET Q q 0 0 0 rg BT 273.40 731.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 306.29 731.10 Td (in ) Tj ET Q q 0 0 0 rg BT 316.98 731.10 Td (the ) Tj ET Q q 0 0 0 rg BT 332.10 731.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 355.01 731.10 Td (Plan, ) Tj ET Q q 0 0 0 rg BT 378.19 731.10 Td (the ) Tj ET Q q 0 0 0 rg BT 393.32 731.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 420.66 731.10 Td (of ) Tj ET Q q 0 0 0 rg BT 431.90 731.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 472.02 731.10 Td (may ) Tj ET Q q 0 0 0 rg BT 492.14 731.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 517.26 731.10 Td (some ) Tj ET Q q 0 0 0 rg BT 541.27 731.10 Td (or ) Tj ET Q q 0 0 0 rg BT 552.51 731.10 Td (all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 719.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 98.80 719.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 129.76 719.10 Td (to ) Tj ET Q q 0 0 0 rg BT 140.17 719.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 161.69 719.10 Td (or ) Tj ET Q q 0 0 0 rg BT 172.66 719.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 208.62 719.10 Td (vest, ) Tj ET Q q 0 0 0 rg BT 229.86 719.10 Td (either ) Tj ET Q q 0 0 0 rg BT 255.26 719.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 277.89 719.10 Td (the ) Tj ET Q q 0 0 0 rg BT 292.75 719.10 Td (change ) Tj ET Q q 0 0 0 rg BT 323.70 719.10 Td (in ) Tj ET Q q 0 0 0 rg BT 334.11 719.10 Td (control ) Tj ET Q q 0 0 0 rg BT 365.07 719.10 Td (or ) Tj ET Q q 0 0 0 rg BT 376.04 719.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 398.67 719.10 Td (a ) Tj ET Q q 0 0 0 rg BT 405.75 719.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 452.82 719.10 Td (termination ) Tj ET Q q 0 0 0 rg BT 501.56 719.10 Td (of ) Tj ET Q q 0 0 0 rg BT 512.52 719.10 Td (employment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 707.10 Td (or ) Tj ET Q q 0 0 0 rg BT 59.77 707.10 Td (service, ) Tj ET Q q 0 0 0 rg BT 92.53 707.10 Td (and ) Tj ET Q q 0 0 0 rg BT 108.91 707.10 Td (may ) Tj ET Q q 0 0 0 rg BT 128.07 707.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 160.56 707.10 Td (that ) Tj ET Q q 0 0 0 rg BT 177.50 707.10 Td (any ) Tj ET Q q 0 0 0 rg BT 193.88 707.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 236.92 707.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 289.38 707.10 Td (criteria ) Tj ET Q q 0 0 0 rg BT 319.64 707.10 Td (be ) Tj ET Q q 0 0 0 rg BT 331.02 707.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 364.06 707.10 Td (satisfied ) Tj ET Q q 0 0 0 rg BT 399.32 707.10 Td (at ) Tj ET Q q 0 0 0 rg BT 408.48 707.10 Td (the ) Tj ET Q q 0 0 0 rg BT 422.64 707.10 Td (tar) Tj ET Q q 0 0 0 rg BT 433.01 707.10 Td (get ) Tj ET Q q 0 0 0 rg BT 447.17 707.10 Td (or ) Tj ET Q q 0 0 0 rg BT 457.44 707.10 Td (any ) Tj ET Q q 0 0 0 rg BT 473.83 707.10 Td (other ) Tj ET Q q 0 0 0 rg BT 496.32 707.10 Td (level.) Tj ET Q q 0 0 0 rg BT 520.57 707.10 Td (The ) Tj ET Q q 0 0 0 rg BT 538.06 707.10 Td (Board ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 695.10 Td (of ) Tj ET Q q 0 0 0 rg BT 59.49 695.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 98.36 695.10 Td (may ) Tj ET Q q 0 0 0 rg BT 117.23 695.10 Td (also ) Tj ET Q q 0 0 0 rg BT 135.00 695.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 158.87 695.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 207.19 695.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 237.17 695.10 Td (to ) Tj ET Q q 0 0 0 rg BT 246.61 695.10 Td (terminate ) Tj ET Q q 0 0 0 rg BT 286.02 695.10 Td (in ) Tj ET Q q 0 0 0 rg BT 295.46 695.10 Td (exchange ) Tj ET Q q 0 0 0 rg BT 334.88 695.10 Td (for ) Tj ET Q q 0 0 0 rg BT 348.19 695.10 Td (a ) Tj ET Q q 0 0 0 rg BT 354.29 695.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 373.72 695.10 Td (or ) Tj ET Q q 0 0 0 rg BT 383.71 695.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 406.48 695.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 442.57 695.10 Td (or ) Tj ET Q q 0 0 0 rg BT 452.56 695.10 Td (to ) Tj ET Q q 0 0 0 rg BT 462.00 695.10 Td (be ) Tj ET Q q 0 0 0 rg BT 473.09 695.10 Td (substituted ) Tj ET Q q 0 0 0 rg BT 518.09 695.10 Td (or ) Tj ET Q q 0 0 0 rg BT 528.08 695.10 Td (assumed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 683.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.00 683.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.72 683.10 Td (surviving ) Tj ET Q q 0 0 0 rg BT 117.00 683.10 Td (corporation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 665.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 665.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.24 665.10 Td (also ) Tj ET Q q 0 0 0 rg BT 84.01 665.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 121.11 665.10 Td (to ) Tj ET Q q 0 0 0 rg BT 131.56 665.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 169.21 665.10 Td (the ) Tj ET Q q 0 0 0 rg BT 184.09 665.10 Td (2003 ) Tj ET Q q 0 0 0 rg BT 206.76 665.10 Td (Non-Employee ) Tj ET Q q 0 0 0 rg BT 270.52 665.10 Td (Director ) Tj ET Q q 0 0 0 rg BT 306.50 665.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 331.94 665.10 Td (Option ) Tj ET Q q 0 0 0 rg BT 362.38 665.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 382.83 665.10 Td (and ) Tj ET Q q 0 0 0 rg BT 399.93 665.10 Td (201) Tj ET Q q 0 0 0 rg BT 414.56 665.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 422.23 665.10 Td (Non-Employee ) Tj ET Q q 0 0 0 rg BT 485.98 665.10 Td (Director ) Tj ET Q q 0 0 0 rg BT 521.96 665.10 Td (Restricted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 653.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 74.78 653.10 Td (Plan. ) Tj ET Q q 0 0 0 rg BT 97.56 653.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 635.10 Td (As ) Tj ET Q q 0 0 0 rg BT 62.85 635.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.42 635.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 121.76 635.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.76 635.10 Td (, ) Tj ET Q q 0 0 0 rg BT 146.50 635.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 173.73 635.10 Td (authorized ) Tj ET Q q 0 0 0 rg BT 218.18 635.10 Td (for ) Tj ET Q q 0 0 0 rg BT 232.08 635.10 Td (future ) Tj ET Q q 0 0 0 rg BT 258.19 635.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 294.31 635.10 Td (were: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.76 635.10 Td (1,137,248) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.76 635.10 Td ( ) Tj ET Q q 0 0 0 rg BT 361.00 635.10 Td (under ) Tj ET Q q 0 0 0 rg BT 386.01 635.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.46 635.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 422.70 635.10 Td (Plan; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.50 635.10 Td (120,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.00 635.10 Td ( ) Tj ET Q q 0 0 0 rg BT 480.24 635.10 Td (under ) Tj ET Q q 0 0 0 rg BT 505.25 635.10 Td (the ) Tj ET Q q 0 0 0 rg BT 519.71 635.10 Td (2003 ) Tj ET Q q 0 0 0 rg BT 541.95 635.10 Td (Non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 623.10 Td (Employee ) Tj ET Q q 0 0 0 rg BT 92.54 623.10 Td (Director ) Tj ET Q q 0 0 0 rg BT 128.36 623.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 153.64 623.10 Td (Option ) Tj ET Q q 0 0 0 rg BT 183.91 623.10 Td (Plan; ) Tj ET Q q 0 0 0 rg BT 206.97 623.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.91 623.10 Td (1) Tj ET Q q 0 0 0 rg BT 228.54 623.10 Td (12,628) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.04 623.10 Td ( ) Tj ET Q q 0 0 0 rg BT 258.54 623.10 Td (under ) Tj ET Q q 0 0 0 rg BT 283.81 623.10 Td (the ) Tj ET Q q 0 0 0 rg BT 298.52 623.10 Td (201) Tj ET Q q 0 0 0 rg BT 313.15 623.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 320.65 623.10 Td (Non-Employee ) Tj ET Q q 0 0 0 rg BT 384.25 623.10 Td (Director ) Tj ET Q q 0 0 0 rg BT 420.06 623.10 Td (Restricted ) Tj ET Q q 0 0 0 rg BT 463.10 623.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 488.38 623.10 Td (Plan.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 605.10 Td (Stock-Based ) Tj ET Q q 0 0 0 rg BT 102.25 605.10 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 163.34 605.10 Td (Expense. ) Tj ET Q q 0 0 0 rg BT 202.48 605.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.12 605.10 Td (T) Tj ET Q q 0 0 0 rg BT 209.53 605.10 Td (otal ) Tj ET Q q 0 0 0 rg BT 226.16 605.10 Td (stock-based ) Tj ET Q q 0 0 0 rg BT 275.01 605.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 332.19 605.10 Td (expense, ) Tj ET Q q 0 0 0 rg BT 368.53 605.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 414.03 605.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 452.88 605.10 Td (in ) Tj ET Q q 0 0 0 rg BT 462.30 605.10 Td (SG&A, ) Tj ET Q q 0 0 0 rg BT 494.22 605.10 Td (from ) Tj ET Q q 0 0 0 rg BT 515.30 605.10 Td (stock-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 593.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 107.54 593.10 Td (consisted ) Tj ET Q q 0 0 0 rg BT 147.26 593.10 Td (of ) Tj ET Q q 0 0 0 rg BT 158.09 593.10 Td (the ) Tj ET Q q 0 0 0 rg BT 172.81 593.10 Td (following:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 548.60 317.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 548.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 548.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 548.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 548.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 548.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 520.60 317.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 520.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 520.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 520.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 520.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 520.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 492.60 317.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 492.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 492.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 492.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 492.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 492.60 63.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 562.6 m 428.5 562.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 562.6 m 432.5 562.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 562.6 m 494.5 562.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 562.6 m 498.5 562.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 562.6 m 561.5 562.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 548.6 m 428.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 548.6 m 494.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 548.6 m 561.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 548.6 m 428.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 548.6 m 494.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 548.6 m 561.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 492.6 m 428.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 492.6 m 494.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 492.6 m 561.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 492.6 m 428.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 479.6 m 428.5 479.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 477.6 m 428.5 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 492.6 m 494.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 479.6 m 494.5 479.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 477.6 m 494.5 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 492.6 m 561.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 479.6 m 561.5 479.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 477.6 m 561.5 477.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 567.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 411.90 567.28 Td (Y) Tj ET Q q 0 0 0 rg BT 418.57 567.28 Td (ear) Tj ET Q q 0 0 0 rg BT 431.80 567.28 Td ( Ended January 31,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.00 553.16 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.00 553.28 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.00 553.28 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 519.50 553.28 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 539.17 Td (Stock options) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.00 539.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.65 539.17 Td (236) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.00 539.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 539.17 Td (173) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.00 539.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 539.17 Td (331) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 525.17 Td (RSUs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.15 525.17 Td (7,622) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.15 525.17 Td (4,282) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 525.17 Td (3,926) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 511.17 Td (Employee stock purchase plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.65 511.17 Td (220) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 511.17 Td (329) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 511.17 Td (354) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 497.17 Td (Accelerated RSU expense char) Tj ET Q q 0 0 0 rg BT 175.93 497.17 Td (ged to severance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.65 497.17 Td (602) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 497.17 Td (217) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 497.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.00 483.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.15 483.17 Td (8,680) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.00 483.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.15 483.17 Td (5,001) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.00 483.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 483.17 Td (4,61) Tj ET Q q 0 0 0 rg BT 552.65 483.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 461.10 Td (During ) Tj ET Q q 0 0 0 rg BT 79.86 461.10 Td (the ) Tj ET Q q 0 0 0 rg BT 94.10 461.10 Td (years ) Tj ET Q q 0 0 0 rg BT 117.23 461.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.13 461.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 191.26 461.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.26 461.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.79 461.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.79 461.10 Td (, ) Tj ET Q q 0 0 0 rg BT 240.32 461.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.78 461.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.78 461.10 Td (, ) Tj ET Q q 0 0 0 rg BT 281.31 461.10 Td (we ) Tj ET Q q 0 0 0 rg BT 295.00 461.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 340.89 461.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 355.13 461.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 388.82 461.10 Td (related ) Tj ET Q q 0 0 0 rg BT 418.05 461.10 Td (to ) Tj ET Q q 0 0 0 rg BT 427.85 461.10 Td (stock-based ) Tj ET Q q 0 0 0 rg BT 477.09 461.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 534.66 461.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.01 461.10 Td ($1.7 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 449.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 449.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 83.28 449.10 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 103.17 449.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.06 449.10 Td (, ) Tj ET Q q 0 0 0 rg BT 136.95 449.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.77 449.10 Td ($1.4 ) Tj ET Q q 0 0 0 rg BT 173.66 449.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.55 449.10 Td (, ) Tj ET Q q 0 0 0 rg BT 207.44 449.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 255.10 449.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 257.60 449.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.10 449.10 Td (As ) Tj ET Q q 0 0 0 rg BT 273.60 449.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.32 449.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 332.81 449.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.81 449.10 Td (, ) Tj ET Q q 0 0 0 rg BT 357.69 449.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.30 449.10 Td (total ) Tj ET Q q 0 0 0 rg BT 392.46 449.10 Td (unrecognized ) Tj ET Q q 0 0 0 rg BT 448.71 449.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 506.64 449.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 525.13 449.10 Td (related ) Tj ET Q q 0 0 0 rg BT 554.72 449.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 437.10 Td (all ) Tj ET Q q 0 0 0 rg BT 61.43 437.10 Td (unvested ) Tj ET Q q 0 0 0 rg BT 98.91 437.10 Td (stock-based ) Tj ET Q q 0 0 0 rg BT 148.06 437.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 205.54 437.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 235.79 437.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.28 437.10 Td ($17.1 ) Tj ET Q q 0 0 0 rg BT 277.72 437.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.61 437.10 Td ( ) Tj ET Q q 0 0 0 rg BT 308.54 437.10 Td (and ) Tj ET Q q 0 0 0 rg BT 324.92 437.10 Td (is ) Tj ET Q q 0 0 0 rg BT 333.52 437.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 370.99 437.10 Td (to ) Tj ET Q q 0 0 0 rg BT 380.71 437.10 Td (be ) Tj ET Q q 0 0 0 rg BT 392.08 437.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 437.88 437.10 Td (over ) Tj ET Q q 0 0 0 rg BT 457.58 437.10 Td (a ) Tj ET Q q 0 0 0 rg BT 463.96 437.10 Td (weighted-average ) Tj ET Q q 0 0 0 rg BT 536.96 437.10 Td (period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 425.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.70 425.10 Td (2.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.20 425.10 Td ( ) Tj ET Q q 0 0 0 rg BT 76.08 425.10 Td (years. ) Tj ET Q q 0 0 0 rg BT 102.55 425.10 Td ( ) Tj ET Q q 0 0 0 rg BT 105.22 425.10 Td (The ) Tj ET Q q 0 0 0 rg BT 123.64 425.10 Td (total ) Tj ET Q q 0 0 0 rg BT 144.28 425.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 161.03 425.10 Td (value ) Tj ET Q q 0 0 0 rg BT 185.56 425.10 Td (of ) Tj ET Q q 0 0 0 rg BT 196.77 425.10 Td (common ) Tj ET Q q 0 0 0 rg BT 234.63 425.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 258.62 425.10 Td (and ) Tj ET Q q 0 0 0 rg BT 275.93 425.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 299.91 425.10 Td (options ) Tj ET Q q 0 0 0 rg BT 332.23 425.10 Td (vested ) Tj ET Q q 0 0 0 rg BT 360.65 425.10 Td (during ) Tj ET Q q 0 0 0 rg BT 389.63 425.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 414.16 425.10 Td (years ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.14 425.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.14 425.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.51 425.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.51 425.10 Td ( ) Tj ET Q q 0 0 0 rg BT 486.38 425.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.69 425.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.69 425.10 Td ( ) Tj ET Q q 0 0 0 rg BT 526.57 425.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.99 425.10 Td ($6.0 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 413.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 413.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 83.39 413.10 Td ($1.9 ) Tj ET Q q 0 0 0 rg BT 103.39 413.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.28 413.10 Td ( ) Tj ET Q q 0 0 0 rg BT 134.78 413.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.72 413.10 Td ($7.0 ) Tj ET Q q 0 0 0 rg BT 171.72 413.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.61 413.10 Td (, ) Tj ET Q q 0 0 0 rg BT 205.61 413.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 253.27 413.10 Td (, ) Tj ET Q q 0 0 0 rg BT 258.27 413.10 Td (based ) Tj ET Q q 0 0 0 rg BT 283.54 413.10 Td (on ) Tj ET Q q 0 0 0 rg BT 296.04 413.10 Td (the ) Tj ET Q q 0 0 0 rg BT 310.76 413.10 Td (market ) Tj ET Q q 0 0 0 rg BT 341.02 413.10 Td (price ) Tj ET Q q 0 0 0 rg BT 363.51 413.10 Td (at ) Tj ET Q q 0 0 0 rg BT 373.23 413.10 Td (the ) Tj ET Q q 0 0 0 rg BT 387.94 413.10 Td (vesting ) Tj ET Q q 0 0 0 rg BT 419.33 413.10 Td (date.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 395.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 74.96 395.10 Td (Options.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.69 395.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.36 395.10 Td (No) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.59 395.10 Td ( ) Tj ET Q q 0 0 0 rg BT 127.26 395.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 151.05 395.10 Td (options ) Tj ET Q q 0 0 0 rg BT 183.17 395.10 Td (were ) Tj ET Q q 0 0 0 rg BT 205.28 395.10 Td (awarded ) Tj ET Q q 0 0 0 rg BT 241.82 395.10 Td (during ) Tj ET Q q 0 0 0 rg BT 270.61 395.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 294.94 395.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.83 395.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.83 395.10 Td ( ) Tj ET Q q 0 0 0 rg BT 337.50 395.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.51 395.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.51 395.10 Td (. ) Tj ET Q q 0 0 0 rg BT 373.69 395.10 Td (During ) Tj ET Q q 0 0 0 rg BT 404.70 395.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 429.03 395.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.91 395.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.91 395.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.09 395.10 Td (100,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.59 395.10 Td ( ) Tj ET Q q 0 0 0 rg BT 509.27 395.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 533.05 395.10 Td (options ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 383.10 Td (were ) Tj ET Q q 0 0 0 rg BT 72.07 383.10 Td (awarded ) Tj ET Q q 0 0 0 rg BT 109.07 383.10 Td (with ) Tj ET Q q 0 0 0 rg BT 129.99 383.10 Td (a ) Tj ET Q q 0 0 0 rg BT 137.57 383.10 Td (range ) Tj ET Q q 0 0 0 rg BT 162.91 383.10 Td (of ) Tj ET Q q 0 0 0 rg BT 174.38 383.10 Td (exercise ) Tj ET Q q 0 0 0 rg BT 210.27 383.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 237.29 383.10 Td (between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.74 383.10 Td ($12.65) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.24 383.10 Td ( ) Tj ET Q q 0 0 0 rg BT 304.38 383.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.96 383.10 Td ($25.30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.46 383.10 Td ( ) Tj ET Q q 0 0 0 rg BT 352.60 383.10 Td (per ) Tj ET Q q 0 0 0 rg BT 368.51 383.10 Td (share. ) Tj ET Q q 0 0 0 rg BT 395.24 383.10 Td ( ) Tj ET Q q 0 0 0 rg BT 398.15 383.10 Td (The ) Tj ET Q q 0 0 0 rg BT 416.84 383.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 441.09 383.10 Td (options ) Tj ET Q q 0 0 0 rg BT 473.67 383.10 Td (awarded ) Tj ET Q q 0 0 0 rg BT 510.68 383.10 Td (vest ) Tj ET Q q 0 0 0 rg BT 529.93 383.10 Td (in ) Tj ET Q q 0 0 0 rg BT 540.84 383.10 Td (equal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 371.10 Td (installments ) Tj ET Q q 0 0 0 rg BT 100.21 371.10 Td (over ) Tj ET Q q 0 0 0 rg BT 120.35 371.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.16 371.10 Td (four) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.62 371.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 166.54 371.10 Td (period ) Tj ET Q q 0 0 0 rg BT 194.46 371.10 Td (and ) Tj ET Q q 0 0 0 rg BT 211.27 371.10 Td (expire ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.63 371.10 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.63 371.10 Td ( ) Tj ET Q q 0 0 0 rg BT 251.01 371.10 Td (years ) Tj ET Q q 0 0 0 rg BT 274.48 371.10 Td (from ) Tj ET Q q 0 0 0 rg BT 296.30 371.10 Td (the ) Tj ET Q q 0 0 0 rg BT 310.89 371.10 Td (date ) Tj ET Q q 0 0 0 rg BT 329.92 371.10 Td (of ) Tj ET Q q 0 0 0 rg BT 340.63 371.10 Td (grant. ) Tj ET Q q 0 0 0 rg BT 366.05 371.10 Td ( ) Tj ET Q q 0 0 0 rg BT 368.42 371.10 Td ( ) Tj ET Q q 0 0 0 rg BT 370.63 371.10 Td (The ) Tj ET Q q 0 0 0 rg BT 388.55 371.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 404.80 371.10 Td (values ) Tj ET Q q 0 0 0 rg BT 432.72 371.10 Td (of ) Tj ET Q q 0 0 0 rg BT 443.43 371.10 Td (the ) Tj ET Q q 0 0 0 rg BT 458.02 371.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 481.51 371.10 Td (options ) Tj ET Q q 0 0 0 rg BT 513.33 371.10 Td (at ) Tj ET Q q 0 0 0 rg BT 522.92 371.10 Td (grant ) Tj ET Q q 0 0 0 rg BT 545.84 371.10 Td (date ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 359.10 Td (ranged ) Tj ET Q q 0 0 0 rg BT 79.00 359.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.73 359.10 Td ($8.97) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.23 359.10 Td ( ) Tj ET Q q 0 0 0 rg BT 125.52 359.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.58 359.10 Td ($10.03) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.08 359.10 Td (. ) Tj ET Q q 0 0 0 rg BT 167.87 359.10 Td ( ) Tj ET Q q 0 0 0 rg BT 170.00 359.10 Td (The ) Tj ET Q q 0 0 0 rg BT 187.84 359.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 204.00 359.10 Td (values ) Tj ET Q q 0 0 0 rg BT 231.84 359.10 Td (of ) Tj ET Q q 0 0 0 rg BT 242.46 359.10 Td (the ) Tj ET Q q 0 0 0 rg BT 256.97 359.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 280.36 359.10 Td (option ) Tj ET Q q 0 0 0 rg BT 308.21 359.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 338.82 359.10 Td (were ) Tj ET Q q 0 0 0 rg BT 360.54 359.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 407.81 359.10 Td (using ) Tj ET Q q 0 0 0 rg BT 431.77 359.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.28 359.10 Td (Black-Scholes ) Tj ET Q q 0 0 0 rg BT 506.33 359.10 Td (option ) Tj ET Q q 0 0 0 rg BT 534.18 359.10 Td (pricing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 347.10 Td (model. ) Tj ET Q q 0 0 0 rg BT 78.80 347.10 Td ( ) Tj ET Q q 0 0 0 rg BT 80.47 347.10 Td (The ) Tj ET Q q 0 0 0 rg BT 97.82 347.10 Td (weighted-average ) Tj ET Q q 0 0 0 rg BT 170.69 347.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 221.95 347.10 Td (for ) Tj ET Q q 0 0 0 rg BT 235.41 347.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.43 347.10 Td (option ) Tj ET Q q 0 0 0 rg BT 276.79 347.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 306.91 347.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 338.70 347.10 Td (in ) Tj ET Q q 0 0 0 rg BT 348.28 347.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 371.74 347.10 Td (year ) Tj ET Q q 0 0 0 rg BT 390.75 347.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 412.55 347.10 Td (included ) Tj ET Q q 0 0 0 rg BT 448.79 347.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 486.13 347.10 Td (volatility ) Tj ET Q q 0 0 0 rg BT 524.04 347.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.17 347.10 Td (75.1%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 560.00 347.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 335.10 Td (an ) Tj ET Q q 0 0 0 rg BT 62.46 335.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 101.51 335.10 Td (term ) Tj ET Q q 0 0 0 rg BT 123.36 335.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.21 335.10 Td (ten) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.42 335.10 Td ( ) Tj ET Q q 0 0 0 rg BT 150.95 335.10 Td (years ) Tj ET Q q 0 0 0 rg BT 175.56 335.10 Td (and ) Tj ET Q q 0 0 0 rg BT 193.52 335.10 Td (risk-free ) Tj ET Q q 0 0 0 rg BT 230.91 335.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 263.87 335.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 282.37 335.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.22 335.10 Td (2.46%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.05 335.10 Td (. ) Tj ET Q q 0 0 0 rg BT 326.07 335.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.59 335.10 Td (No) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.81 335.10 Td ( ) Tj ET Q q 0 0 0 rg BT 345.33 335.10 Td (dividend ) Tj ET Q q 0 0 0 rg BT 383.85 335.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 407.37 335.10 Td (was ) Tj ET Q q 0 0 0 rg BT 426.44 335.10 Td (included ) Tj ET Q q 0 0 0 rg BT 464.39 335.10 Td (in ) Tj ET Q q 0 0 0 rg BT 475.69 335.10 Td (the ) Tj ET Q q 0 0 0 rg BT 491.43 335.10 Td (weighted-average ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 323.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 101.45 323.10 Td (for ) Tj ET Q q 0 0 0 rg BT 115.61 323.10 Td (the ) Tj ET Q q 0 0 0 rg BT 130.33 323.10 Td (option ) Tj ET Q q 0 0 0 rg BT 158.38 323.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 189.20 323.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 221.69 323.10 Td (in ) Tj ET Q q 0 0 0 rg BT 231.97 323.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 256.12 323.10 Td (year ) Tj ET Q q 0 0 0 rg BT 275.83 323.10 Td (2017.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 305.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.55 305.10 Td (following ) Tj ET Q q 0 0 0 rg BT 108.93 305.10 Td (table ) Tj ET Q q 0 0 0 rg BT 130.87 305.10 Td (summarizes ) Tj ET Q q 0 0 0 rg BT 181.13 305.10 Td (the ) Tj ET Q q 0 0 0 rg BT 195.85 305.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 228.34 305.10 Td (for ) Tj ET Q q 0 0 0 rg BT 242.50 305.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 291.66 305.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 315.27 305.10 Td (options:) Tj ET Q 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.00 218.60 306.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 356.00 218.60 65.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 421.00 218.60 4.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 425.00 218.60 65.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 490.00 218.60 4.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 494.00 218.60 65.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 559.00 218.60 4.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.00 188.60 306.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 356.00 188.60 65.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 421.00 188.60 4.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 425.00 188.60 65.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 490.00 188.60 4.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 494.00 188.60 65.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 559.00 188.60 4.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.00 158.60 306.00 -18.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 356.00 158.60 65.00 -18.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 421.00 158.60 4.00 -18.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 425.00 158.60 65.00 -18.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 490.00 158.60 4.00 -18.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 494.00 158.60 65.00 -18.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 559.00 158.60 4.00 -18.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 218.60000000000002 m 421 218.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425 218.60000000000002 m 490 218.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494 218.60000000000002 m 559 218.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 173.60000000000002 m 421 173.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 159.60000000000002 m 421 159.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 157.60000000000002 m 421 157.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 157.60000000000002 m 421 157.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 159.60000000000002 m 421 159.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 141.60000000000002 m 421 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 139.60000000000002 m 421 139.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 123.60000000000002 m 421 123.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 121.60000000000002 m 421 121.60000000000002 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 373.60 243.28 Td (Shar) Tj ET Q q 0 0 0 rg BT 393.98 243.28 Td (es) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.45 233.28 Td (Under) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 372.95 223.28 Td (Option) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 435.05 253.28 Td (W) Tj ET Q q 0 0 0 rg BT 444.50 253.28 Td (eighted-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 439.60 243.28 Td (A) Tj ET Q q 0 0 0 rg BT 446.08 243.28 Td (verage) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 439.00 233.28 Td (Exer) Tj ET Q q 0 0 0 rg BT 459.37 233.28 Td (cise) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 445.85 223.28 Td (Price) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 504.05 263.28 Td (W) Tj ET Q q 0 0 0 rg BT 513.50 263.28 Td (eighted-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 508.60 253.28 Td (A) Tj ET Q q 0 0 0 rg BT 515.08 253.28 Td (verage) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 502.65 243.28 Td (Remaining) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.15 233.28 Td (Contractual) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 517.35 223.28 Td (Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 208.27 Td (Outstanding, January 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.65 208.27 Td (508,645) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.50 208.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.65 208.27 Td (14.63) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 193.27 Td (Exercised) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.30 193.32 Td (\(233,260) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.15 193.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.50 193.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.65 193.27 Td (1) Tj ET Q q 0 0 0 rg BT 468.65 193.27 Td (1.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.50 193.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 178.27 Td (Forfeited and expired) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.30 178.32 Td (\(85,900) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.15 178.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.50 178.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.65 178.27 Td (23.64) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.50 178.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 163.27 Td (Outstanding, January 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.65 163.27 Td (189,485) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.50 163.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.65 163.27 Td (14.39) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.40 163.27 Td (5.5 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 145.27 Td (V) Tj ET Q q 0 0 0 rg BT 59.17 145.27 Td (ested and expected to vest, January 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.65 145.27 Td (189,485) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.50 145.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.65 145.27 Td (14.39) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.40 145.27 Td (5.5 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 127.27 Td (Exercisable, January 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.65 127.27 Td (1) Tj ET Q q 0 0 0 rg BT 389.65 127.27 Td (14,484) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.50 127.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.65 127.27 Td (1) Tj ET Q q 0 0 0 rg BT 468.65 127.27 Td (1.38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.40 127.27 Td (3.4 years) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 105.10 Td (During ) Tj ET Q q 0 0 0 rg BT 80.80 105.10 Td (the ) Tj ET Q q 0 0 0 rg BT 95.99 105.10 Td (years ) Tj ET Q q 0 0 0 rg BT 120.06 105.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.91 105.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 195.98 105.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.98 105.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.45 105.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.45 105.10 Td ( ) Tj ET Q q 0 0 0 rg BT 244.42 105.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.83 105.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.83 105.10 Td (, ) Tj ET Q q 0 0 0 rg BT 287.30 105.10 Td (the ) Tj ET Q q 0 0 0 rg BT 302.49 105.10 Td (total ) Tj ET Q q 0 0 0 rg BT 323.23 105.10 Td (intrinsic ) Tj ET Q q 0 0 0 rg BT 358.98 105.10 Td (value ) Tj ET Q q 0 0 0 rg BT 383.60 105.10 Td (of ) Tj ET Q q 0 0 0 rg BT 394.91 105.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 418.98 105.10 Td (options ) Tj ET Q q 0 0 0 rg BT 451.40 105.10 Td (exercised ) Tj ET Q q 0 0 0 rg BT 492.13 105.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.65 105.10 Td ($2.3 ) Tj ET Q q 0 0 0 rg BT 531.12 105.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 560.02 105.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 93.10 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 69.95 93.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.84 93.10 Td ( ) Tj ET Q q 0 0 0 rg BT 101.80 93.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.19 93.10 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 139.64 93.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.53 93.10 Td (, ) Tj ET Q q 0 0 0 rg BT 173.99 93.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 221.65 93.10 Td (. ) Tj ET Q q 0 0 0 rg BT 227.10 93.10 Td ( ) Tj ET Q q 0 0 0 rg BT 229.84 93.10 Td (The ) Tj ET Q q 0 0 0 rg BT 248.34 93.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 290.16 93.10 Td (intrinsic ) Tj ET Q q 0 0 0 rg BT 325.88 93.10 Td (value ) Tj ET Q q 0 0 0 rg BT 350.49 93.10 Td (of ) Tj ET Q q 0 0 0 rg BT 361.77 93.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 385.84 93.10 Td (options ) Tj ET Q q 0 0 0 rg BT 418.24 93.10 Td (outstanding, ) Tj ET Q q 0 0 0 rg BT 470.36 93.10 Td (vested ) Tj ET Q q 0 0 0 rg BT 498.86 93.10 Td (and ) Tj ET Q q 0 0 0 rg BT 516.25 93.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 554.73 93.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 81.10 Td (vest ) Tj ET Q q 0 0 0 rg BT 68.60 81.10 Td (and ) Tj ET Q q 0 0 0 rg BT 86.04 81.10 Td (exercisable ) Tj ET Q q 0 0 0 rg BT 134.00 81.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.21 81.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 193.31 81.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.31 81.10 Td ( ) Tj ET Q q 0 0 0 rg BT 216.30 81.10 Td (was ) Tj ET Q q 0 0 0 rg BT 234.85 81.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.60 81.10 Td ($3.6 ) Tj ET Q q 0 0 0 rg BT 316.10 81.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.99 81.10 Td (. ) Tj ET Q q 0 0 0 rg BT 350.26 81.10 Td (The ) Tj ET Q q 0 0 0 rg BT 368.81 81.10 Td (total ) Tj ET Q q 0 0 0 rg BT 389.57 81.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 406.45 81.10 Td (value ) Tj ET Q q 0 0 0 rg BT 431.10 81.10 Td (of ) Tj ET Q q 0 0 0 rg BT 442.42 81.10 Td (common ) Tj ET Q q 0 0 0 rg BT 480.41 81.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 504.51 81.10 Td (options ) Tj ET Q q 0 0 0 rg BT 536.96 81.10 Td (vested ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 69.10 Td (during ) Tj ET Q q 0 0 0 rg BT 78.12 69.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 102.28 69.10 Td (years ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.88 69.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.88 69.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.89 69.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.89 69.10 Td ( ) Tj ET Q q 0 0 0 rg BT 173.40 69.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.34 69.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.34 69.10 Td ( ) Tj ET Q q 0 0 0 rg BT 212.85 69.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.91 69.10 Td ($0.9 ) Tj ET Q q 0 0 0 rg BT 250.92 69.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.81 69.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.82 69.10 Td ($0.3 ) Tj ET Q q 0 0 0 rg BT 304.82 69.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.72 69.10 Td ( ) Tj ET Q q 0 0 0 rg BT 336.22 69.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.17 69.10 Td ($2.5 ) Tj ET Q q 0 0 0 rg BT 373.18 69.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.07 69.10 Td (, ) Tj ET Q q 0 0 0 rg BT 407.08 69.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 454.74 69.10 Td (, ) Tj ET Q q 0 0 0 rg BT 459.74 69.10 Td (based ) Tj ET Q q 0 0 0 rg BT 485.02 69.10 Td (on ) Tj ET Q q 0 0 0 rg BT 497.53 69.10 Td (the ) Tj ET Q q 0 0 0 rg BT 512.25 69.10 Td (market ) Tj ET Q q 0 0 0 rg BT 542.52 69.10 Td (price ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 57.10 Td (at ) Tj ET Q q 0 0 0 rg BT 59.22 57.10 Td (the ) Tj ET Q q 0 0 0 rg BT 73.93 57.10 Td (vesting ) Tj ET Q q 0 0 0 rg BT 105.32 57.10 Td (date.) Tj ET Q endstream endobj 165 0 obj <>] /Rotate 0 /Contents 166 0 R>> endobj 166 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (81) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 731.25 Td (Restricted ) Tj ET Q q 0 0 0 rg BT 92.47 731.25 Td (Stock ) Tj ET Q q 0 0 0 rg BT 117.12 731.25 Td (Units.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.85 731.25 Td ( ) Tj ET Q q 0 0 0 rg BT 143.59 731.25 Td (The ) Tj ET Q q 0 0 0 rg BT 161.01 731.25 Td (restricted ) Tj ET Q q 0 0 0 rg BT 200.08 731.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 223.06 731.25 Td (program ) Tj ET Q q 0 0 0 rg BT 258.80 731.25 Td (consists ) Tj ET Q q 0 0 0 rg BT 292.34 731.25 Td (of ) Tj ET Q q 0 0 0 rg BT 302.54 731.25 Td (a ) Tj ET Q q 0 0 0 rg BT 308.85 731.25 Td (combination ) Tj ET Q q 0 0 0 rg BT 360.71 731.25 Td (of ) Tj ET Q q 0 0 0 rg BT 370.91 731.25 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 449.40 731.25 Td (RSUs ) Tj ET Q q 0 0 0 rg BT 474.62 731.25 Td (and ) Tj ET Q q 0 0 0 rg BT 490.93 731.25 Td (time-based ) Tj ET Q q 0 0 0 rg BT 536.67 731.25 Td (RSUs. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 719.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.48 719.25 Td (number ) Tj ET Q q 0 0 0 rg BT 100.45 719.25 Td (of ) Tj ET Q q 0 0 0 rg BT 111.21 719.25 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 190.26 719.25 Td (RSUs ) Tj ET Q q 0 0 0 rg BT 216.04 719.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 243.46 719.25 Td (under ) Tj ET Q q 0 0 0 rg BT 268.66 719.25 Td (the ) Tj ET Q q 0 0 0 rg BT 283.31 719.25 Td (program ) Tj ET Q q 0 0 0 rg BT 319.61 719.25 Td (is ) Tj ET Q q 0 0 0 rg BT 328.71 719.25 Td (dependent ) Tj ET Q q 0 0 0 rg BT 372.24 719.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 394.67 719.25 Td (our ) Tj ET Q q 0 0 0 rg BT 410.43 719.25 Td (achievement ) Tj ET Q q 0 0 0 rg BT 463.38 719.25 Td (of ) Tj ET Q q 0 0 0 rg BT 474.14 719.25 Td (a ) Tj ET Q q 0 0 0 rg BT 481.01 719.25 Td (predefined ) Tj ET Q q 0 0 0 rg BT 526.19 719.25 Td (return ) Tj ET Q q 0 0 0 rg BT 552.50 719.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 707.25 Td (invested ) Tj ET Q q 0 0 0 rg BT 84.84 707.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 113.51 707.25 Td (\("ROIC"\) ) Tj ET Q q 0 0 0 rg BT 154.24 707.25 Td (or ) Tj ET Q q 0 0 0 rg BT 164.58 707.25 Td (on ) Tj ET Q q 0 0 0 rg BT 176.60 707.25 Td (an ) Tj ET Q q 0 0 0 rg BT 188.05 707.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 223.95 707.25 Td (before ) Tj ET Q q 0 0 0 rg BT 251.50 707.25 Td (interest, ) Tj ET Q q 0 0 0 rg BT 285.45 707.25 Td (taxes, ) Tj ET Q q 0 0 0 rg BT 310.51 707.25 Td (depreciation ) Tj ET Q q 0 0 0 rg BT 361.95 707.25 Td (and ) Tj ET Q q 0 0 0 rg BT 378.40 707.25 Td (amortization ) Tj ET Q q 0 0 0 rg BT 430.95 707.25 Td (\("EBITDA"\) ) Tj ET Q q 0 0 0 rg BT 484.45 707.25 Td (tar) Tj ET Q q 0 0 0 rg BT 494.82 707.25 Td (get ) Tj ET Q q 0 0 0 rg BT 509.05 707.25 Td (for ) Tj ET Q q 0 0 0 rg BT 522.73 707.25 Td (the ) Tj ET Q q 0 0 0 rg BT 536.96 707.25 Td (period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 695.25 Td (identified ) Tj ET Q q 0 0 0 rg BT 90.92 695.25 Td (in ) Tj ET Q q 0 0 0 rg BT 101.80 695.25 Td (the ) Tj ET Q q 0 0 0 rg BT 117.12 695.25 Td (grant, ) Tj ET Q q 0 0 0 rg BT 143.27 695.25 Td (which ) Tj ET Q q 0 0 0 rg BT 170.82 695.25 Td (is ) Tj ET Q q 0 0 0 rg BT 180.59 695.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 220.89 695.25 Td (between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.31 695.25 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.31 695.25 Td ( ) Tj ET Q q 0 0 0 rg BT 275.42 695.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.96 695.25 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.94 695.25 Td ( ) Tj ET Q q 0 0 0 rg BT 316.05 695.25 Td (years. ) Tj ET Q q 0 0 0 rg BT 342.75 695.25 Td (In ) Tj ET Q q 0 0 0 rg BT 354.18 695.25 Td (the ) Tj ET Q q 0 0 0 rg BT 369.50 695.25 Td (event ) Tj ET Q q 0 0 0 rg BT 394.26 695.25 Td (ROIC ) Tj ET Q q 0 0 0 rg BT 421.25 695.25 Td (or ) Tj ET Q q 0 0 0 rg BT 432.69 695.25 Td (EBITDA) Tj ET Q q 0 0 0 rg BT 468.79 695.25 Td ( ) Tj ET Q q 0 0 0 rg BT 471.90 695.25 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 506.65 695.25 Td (the ) Tj ET Q q 0 0 0 rg BT 521.97 695.25 Td (respective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 683.25 Td (predefined ) Tj ET Q q 0 0 0 rg BT 95.06 683.25 Td (tar) Tj ET Q q 0 0 0 rg BT 105.43 683.25 Td (get, ) Tj ET Q q 0 0 0 rg BT 122.96 683.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 150.76 683.25 Td (for ) Tj ET Q q 0 0 0 rg BT 165.23 683.25 Td (up ) Tj ET Q q 0 0 0 rg BT 178.04 683.25 Td (to ) Tj ET Q q 0 0 0 rg BT 188.63 683.25 Td (a ) Tj ET Q q 0 0 0 rg BT 195.87 683.25 Td (maximum ) Tj ET Q q 0 0 0 rg BT 239.24 683.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.38 683.25 Td (150%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.71 683.25 Td ( ) Tj ET Q q 0 0 0 rg BT 276.52 683.25 Td (of ) Tj ET Q q 0 0 0 rg BT 287.66 683.25 Td (the ) Tj ET Q q 0 0 0 rg BT 302.68 683.25 Td (tar) Tj ET Q q 0 0 0 rg BT 313.05 683.25 Td (get ) Tj ET Q q 0 0 0 rg BT 328.08 683.25 Td (award ) Tj ET Q q 0 0 0 rg BT 355.32 683.25 Td (may ) Tj ET Q q 0 0 0 rg BT 375.34 683.25 Td (be ) Tj ET Q q 0 0 0 rg BT 387.59 683.25 Td (granted. ) Tj ET Q q 0 0 0 rg BT 422.89 683.25 Td (In ) Tj ET Q q 0 0 0 rg BT 434.03 683.25 Td (the ) Tj ET Q q 0 0 0 rg BT 449.05 683.25 Td (event ) Tj ET Q q 0 0 0 rg BT 473.52 683.25 Td (the ) Tj ET Q q 0 0 0 rg BT 488.55 683.25 Td (ROIC ) Tj ET Q q 0 0 0 rg BT 515.25 683.25 Td (or ) Tj ET Q q 0 0 0 rg BT 526.39 683.25 Td (EBITDA) Tj ET Q q 0 0 0 rg BT 562.50 683.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 671.25 Td (falls ) Tj ET Q q 0 0 0 rg BT 69.13 671.25 Td (below ) Tj ET Q q 0 0 0 rg BT 95.97 671.25 Td (the ) Tj ET Q q 0 0 0 rg BT 110.60 671.25 Td (respective ) Tj ET Q q 0 0 0 rg BT 153.54 671.25 Td (predefined ) Tj ET Q q 0 0 0 rg BT 198.71 671.25 Td (tar) Tj ET Q q 0 0 0 rg BT 209.07 671.25 Td (get, ) Tj ET Q q 0 0 0 rg BT 226.20 671.25 Td (a ) Tj ET Q q 0 0 0 rg BT 233.05 671.25 Td (reduced ) Tj ET Q q 0 0 0 rg BT 267.10 671.25 Td (number ) Tj ET Q q 0 0 0 rg BT 300.06 671.25 Td (of ) Tj ET Q q 0 0 0 rg BT 310.80 671.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 338.20 671.25 Td (may ) Tj ET Q q 0 0 0 rg BT 357.83 671.25 Td (be ) Tj ET Q q 0 0 0 rg BT 369.67 671.25 Td (granted. ) Tj ET Q q 0 0 0 rg BT 404.57 671.25 Td (If ) Tj ET Q q 0 0 0 rg BT 413.64 671.25 Td (the ) Tj ET Q q 0 0 0 rg BT 428.26 671.25 Td (ROIC ) Tj ET Q q 0 0 0 rg BT 454.57 671.25 Td (or ) Tj ET Q q 0 0 0 rg BT 465.31 671.25 Td (EBITDA) Tj ET Q q 0 0 0 rg BT 501.41 671.25 Td ( ) Tj ET Q q 0 0 0 rg BT 503.82 671.25 Td (falls ) Tj ET Q q 0 0 0 rg BT 523.45 671.25 Td (below ) Tj ET Q q 0 0 0 rg BT 550.30 671.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 659.25 Td (respective ) Tj ET Q q 0 0 0 rg BT 92.01 659.25 Td (threshold ) Tj ET Q q 0 0 0 rg BT 131.21 659.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 183.72 659.25 Td (level, ) Tj ET Q q 0 0 0 rg BT 207.63 659.25 Td (no ) Tj ET Q q 0 0 0 rg BT 219.61 659.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 246.58 659.25 Td (will ) Tj ET Q q 0 0 0 rg BT 264.12 659.25 Td (be ) Tj ET Q q 0 0 0 rg BT 275.54 659.25 Td (granted. ) Tj ET Q q 0 0 0 rg BT 309.87 659.25 Td (The ) Tj ET Q q 0 0 0 rg BT 327.39 659.25 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 406.00 659.25 Td (RSUs ) Tj ET Q q 0 0 0 rg BT 431.32 659.25 Td (vest ) Tj ET Q q 0 0 0 rg BT 449.41 659.25 Td (on ) Tj ET Q q 0 0 0 rg BT 461.39 659.25 Td (predetermined ) Tj ET Q q 0 0 0 rg BT 521.12 659.25 Td (schedules, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 647.25 Td (which ) Tj ET Q q 0 0 0 rg BT 75.68 647.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 114.63 647.25 Td (occur ) Tj ET Q q 0 0 0 rg BT 138.58 647.25 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.09 647.25 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.08 647.25 Td ( ) Tj ET Q q 0 0 0 rg BT 179.82 647.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.35 647.25 Td (four) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.01 647.25 Td ( ) Tj ET Q q 0 0 0 rg BT 207.75 647.25 Td (years. ) Tj ET Q q 0 0 0 rg BT 232.97 647.25 Td (The ) Tj ET Q q 0 0 0 rg BT 250.26 647.25 Td (time-based ) Tj ET Q q 0 0 0 rg BT 295.88 647.25 Td (RSUs ) Tj ET Q q 0 0 0 rg BT 320.97 647.25 Td (vest ) Tj ET Q q 0 0 0 rg BT 338.82 647.25 Td (on ) Tj ET Q q 0 0 0 rg BT 350.56 647.25 Td (a ) Tj ET Q q 0 0 0 rg BT 356.75 647.25 Td (straight-line ) Tj ET Q q 0 0 0 rg BT 406.81 647.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 428.56 647.25 Td (over ) Tj ET Q q 0 0 0 rg BT 448.07 647.25 Td (their ) Tj ET Q q 0 0 0 rg BT 468.14 647.25 Td (term, ) Tj ET Q q 0 0 0 rg BT 490.71 647.25 Td (which ) Tj ET Q q 0 0 0 rg BT 516.89 647.25 Td (is ) Tj ET Q q 0 0 0 rg BT 525.31 647.25 Td (generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 635.25 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.49 635.25 Td ( ) Tj ET Q q 0 0 0 rg BT 71.99 635.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.26 635.25 Td (five ) Tj ET Q q 0 0 0 rg BT 100.31 635.25 Td (years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.41 635.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 617.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.55 617.25 Td (following ) Tj ET Q q 0 0 0 rg BT 108.93 617.25 Td (table ) Tj ET Q q 0 0 0 rg BT 130.87 617.25 Td (summarizes ) Tj ET Q q 0 0 0 rg BT 181.13 617.25 Td (the ) Tj ET Q q 0 0 0 rg BT 195.85 617.25 Td (activity ) Tj ET Q q 0 0 0 rg BT 228.34 617.25 Td (for ) Tj ET Q q 0 0 0 rg BT 242.50 617.25 Td (RSUs:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 532.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 532.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 532.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 532.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 532.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 532.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 532.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 532.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 532.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 532.75 65.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 50.00 517.75 171.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 221.00 517.75 65.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 286.00 517.75 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 290.00 517.75 65.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 355.00 517.75 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 359.00 517.75 65.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 424.00 517.75 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 428.00 517.75 65.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 493.00 517.75 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 497.00 517.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 502.75 171.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 502.75 65.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 502.75 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 502.75 65.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 502.75 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 502.75 65.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 502.75 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 502.75 65.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 502.75 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 502.75 65.00 -17.00 re f /GS0 gs 1 1 1 rg /GS0 gs 50.00 485.75 171.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 221.00 485.75 65.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 286.00 485.75 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 290.00 485.75 65.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 355.00 485.75 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 359.00 485.75 65.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 424.00 485.75 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 428.00 485.75 65.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 493.00 485.75 4.00 -15.00 re f /GS0 gs 1 1 1 rg /GS0 gs 497.00 485.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 470.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 470.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 470.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 470.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 470.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 470.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 470.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 470.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 470.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 470.75 65.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 586.75 m 286 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286 586.75 m 290 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 586.75 m 355 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 586.75 m 424 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 586.75 m 428 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 586.75 m 493 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 532.75 m 286 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 532.75 m 355 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 586.75 m 424 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 532.75 m 424 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 586.75 m 493 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 532.75 m 493 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 532.75 m 562 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 470.75 m 286 470.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 456.75 m 286 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 454.75 m 286 454.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 470.75 m 424 470.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 456.75 m 424 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 454.75 m 424 454.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 470.75 m 562 470.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 456.75 m 562 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 454.75 m 562 454.75 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 248.80 591.43 Td (T) Tj ET Q q 0 0 0 rg BT 255.38 591.43 Td (ime-Based RSUs) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 370.05 591.43 Td (Performance-Based RSUs) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 229.85 547.43 Td (Number) Tj ET Q q 0 0 0 rg BT 265.22 547.43 Td ( of) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 241.60 537.43 Td (Units) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 300.05 577.43 Td (W) Tj ET Q q 0 0 0 rg BT 309.50 577.43 Td (eighted-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 304.60 567.43 Td (A) Tj ET Q q 0 0 0 rg BT 311.08 567.43 Td (verage) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 308.90 557.43 Td (Grant) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.00 547.43 Td (Date) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 299.70 537.43 Td (Fair) Tj ET Q q 0 0 0 rg BT 317.84 537.43 Td ( ) Tj ET Q q 0 0 0 rg BT 320.16 537.43 Td (V) Tj ET Q q 0 0 0 rg BT 326.47 537.43 Td (alue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.85 547.43 Td (Number) Tj ET Q q 0 0 0 rg BT 403.22 547.43 Td ( of) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 379.60 537.43 Td (Units) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 438.05 577.43 Td (W) Tj ET Q q 0 0 0 rg BT 447.50 577.43 Td (eighted-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.60 567.43 Td (A) Tj ET Q q 0 0 0 rg BT 449.08 567.43 Td (verage) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.90 557.43 Td (Grant) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.00 547.43 Td (Date) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 437.70 537.43 Td (Fair) Tj ET Q q 0 0 0 rg BT 455.84 537.43 Td ( ) Tj ET Q q 0 0 0 rg BT 458.16 537.43 Td (V) Tj ET Q q 0 0 0 rg BT 464.47 537.43 Td (alue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.05 557.43 Td (T) Tj ET Q q 0 0 0 rg BT 523.80 557.43 Td (otal ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 505.85 547.43 Td (Number) Tj ET Q q 0 0 0 rg BT 541.22 547.43 Td ( of) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 517.60 537.43 Td (Units) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 522.43 Td (Balance, January 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 522.42 Td (818,623) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.50 522.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.65 522.42 Td (16.60) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 522.42 Td (120,395) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 522.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 522.42 Td (1) Tj ET Q q 0 0 0 rg BT 471.65 522.42 Td (1.65) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 522.42 Td (939,018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 507.42 Td (Granted) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 507.42 Td (732,027) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.50 507.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.65 507.42 Td (15.42) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 507.42 Td (501,012) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 507.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 507.42 Td (1) Tj ET Q q 0 0 0 rg BT 471.65 507.42 Td (1.81) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.15 507.42 Td (1,233,039) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 490.42 Td (V) Tj ET Q q 0 0 0 rg BT 59.17 490.42 Td (ested and converted to common stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.30 490.42 Td (\(237,053) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.15 490.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.50 490.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.65 490.42 Td (17.16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 490.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 490.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 490.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.30 490.47 Td (\(237,053) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 490.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 475.42 Td (Forfeited) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.30 475.42 Td (\(91,588) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.15 475.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.50 475.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.65 475.42 Td (20.05) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.30 475.47 Td (\(6,233) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.15 475.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 475.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 475.42 Td (36.90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.30 475.47 Td (\(97,821) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 475.42 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 460.43 Td (Balance, January 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.15 460.42 Td (1,222,009) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.50 460.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.65 460.42 Td (15.52) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 460.42 Td (615,174) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 460.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 460.42 Td (1) Tj ET Q q 0 0 0 rg BT 471.65 460.42 Td (1.78) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.15 460.42 Td (1,837,183) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.50 456.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 438.25 Td (The total fair value of restricted shares vested during fiscal years ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.78 438.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.78 438.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.78 438.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.78 438.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.22 438.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.22 438.25 Td ( was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.77 438.25 Td ($5.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.67 438.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.67 438.25 Td ($1.6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.56 438.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.00 438.25 Td ($4.5 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 426.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 426.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 131.05 426.25 Td (, based on the market price at the vesting date. ) Tj ET Q q 0 0 0 rg BT 318.58 426.25 Td (The total fair value of restricted shares granted during fiscal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.25 Td (years ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.10 414.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.10 414.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.10 414.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.10 414.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.54 414.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.54 414.25 Td ( was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.09 414.25 Td ($17.2 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.98 414.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.98 414.25 Td ($8.2 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.87 414.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.31 414.25 Td ($1) Tj ET Q q 0 0 0 rg BT 314.94 414.25 Td (1.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.83 414.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 411.49 414.25 Td (. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 396.25 Td (Employee ) Tj ET Q q 0 0 0 rg BT 91.33 396.25 Td (Stock ) Tj ET Q q 0 0 0 rg BT 115.41 396.25 Td (Purchase ) Tj ET Q q 0 0 0 rg BT 155.59 396.25 Td (Plan. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.83 396.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 195.68 396.25 Td (Employee ) Tj ET Q q 0 0 0 rg BT 237.51 396.25 Td (Stock ) Tj ET Q q 0 0 0 rg BT 261.58 396.25 Td (Purchase ) Tj ET Q q 0 0 0 rg BT 298.97 396.25 Td (Plan ) Tj ET Q q 0 0 0 rg BT 318.05 396.25 Td (is ) Tj ET Q q 0 0 0 rg BT 326.01 396.25 Td (available ) Tj ET Q q 0 0 0 rg BT 363.39 396.25 Td (to ) Tj ET Q q 0 0 0 rg BT 372.46 396.25 Td (our ) Tj ET Q q 0 0 0 rg BT 387.08 396.25 Td (employees, ) Tj ET Q q 0 0 0 rg BT 433.64 396.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 463.26 396.25 Td (to ) Tj ET Q q 0 0 0 rg BT 472.33 396.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 512.52 396.25 Td (employment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 384.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 92.87 384.25 Td (and ) Tj ET Q q 0 0 0 rg BT 109.01 384.25 Td (maximum ) Tj ET Q q 0 0 0 rg BT 151.26 384.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 208.51 384.25 Td (limitations. ) Tj ET Q q 0 0 0 rg BT 255.12 384.25 Td (At ) Tj ET Q q 0 0 0 rg BT 266.82 384.25 Td (the ) Tj ET Q q 0 0 0 rg BT 280.74 384.25 Td (end ) Tj ET Q q 0 0 0 rg BT 296.88 384.25 Td (of ) Tj ET Q q 0 0 0 rg BT 306.91 384.25 Td (each ) Tj ET Q q 0 0 0 rg BT 326.93 384.25 Td (calendar ) Tj ET Q q 0 0 0 rg BT 362.50 384.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 390.41 384.25 Td (, ) Tj ET Q q 0 0 0 rg BT 394.62 384.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 435.19 384.25 Td (contributions ) Tj ET Q q 0 0 0 rg BT 489.67 384.25 Td (are ) Tj ET Q q 0 0 0 rg BT 503.58 384.25 Td (used ) Tj ET Q q 0 0 0 rg BT 523.61 384.25 Td (to ) Tj ET Q q 0 0 0 rg BT 533.09 384.25 Td (acquire ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 372.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 76.98 372.25 Td (of ) Tj ET Q q 0 0 0 rg BT 87.81 372.25 Td (common ) Tj ET Q q 0 0 0 rg BT 125.30 372.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 148.90 372.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.61 372.25 Td (85%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.94 372.25 Td ( ) Tj ET Q q 0 0 0 rg BT 179.44 372.25 Td (of ) Tj ET Q q 0 0 0 rg BT 190.26 372.25 Td (the ) Tj ET Q q 0 0 0 rg BT 204.97 372.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 230.23 372.25 Td (of ) Tj ET Q q 0 0 0 rg BT 241.06 372.25 Td (the ) Tj ET Q q 0 0 0 rg BT 255.77 372.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 272.14 372.25 Td (market ) Tj ET Q q 0 0 0 rg BT 302.40 372.25 Td (value ) Tj ET Q q 0 0 0 rg BT 326.55 372.25 Td (of ) Tj ET Q q 0 0 0 rg BT 337.37 372.25 Td (the ) Tj ET Q q 0 0 0 rg BT 352.08 372.25 Td (common ) Tj ET Q q 0 0 0 rg BT 389.57 372.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 413.17 372.25 Td (on ) Tj ET Q q 0 0 0 rg BT 425.67 372.25 Td (the ) Tj ET Q q 0 0 0 rg BT 440.38 372.25 Td (first ) Tj ET Q q 0 0 0 rg BT 458.98 372.25 Td (or ) Tj ET Q q 0 0 0 rg BT 469.81 372.25 Td (last ) Tj ET Q q 0 0 0 rg BT 486.19 372.25 Td (day ) Tj ET Q q 0 0 0 rg BT 503.12 372.25 Td (of ) Tj ET Q q 0 0 0 rg BT 513.94 372.25 Td (the ) Tj ET Q q 0 0 0 rg BT 528.65 372.25 Td (calendar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 360.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 77.26 360.25 Td (. ) Tj ET Q q 0 0 0 rg BT 81.80 360.25 Td (During ) Tj ET Q q 0 0 0 rg BT 112.16 360.25 Td (the ) Tj ET Q q 0 0 0 rg BT 126.42 360.25 Td (years ) Tj ET Q q 0 0 0 rg BT 149.55 360.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.46 360.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 223.60 360.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.60 360.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.13 360.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.13 360.25 Td ( ) Tj ET Q q 0 0 0 rg BT 270.17 360.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.64 360.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.64 360.25 Td (, ) Tj ET Q q 0 0 0 rg BT 311.17 360.25 Td (we ) Tj ET Q q 0 0 0 rg BT 324.87 360.25 Td (issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.91 360.25 Td (57,937) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.41 360.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.94 360.25 Td (100,758) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.44 360.25 Td ( ) Tj ET Q q 0 0 0 rg BT 418.48 360.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.95 360.25 Td (48,585) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.45 360.25 Td ( ) Tj ET Q q 0 0 0 rg BT 464.48 360.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 491.51 360.25 Td (of ) Tj ET Q q 0 0 0 rg BT 501.88 360.25 Td (common ) Tj ET Q q 0 0 0 rg BT 538.91 360.25 Td (stock, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 348.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.16 348.25 Td (, ) Tj ET Q q 0 0 0 rg BT 101.96 348.25 Td (to ) Tj ET Q q 0 0 0 rg BT 112.04 348.25 Td (employees ) Tj ET Q q 0 0 0 rg BT 157.10 348.25 Td (participating ) Tj ET Q q 0 0 0 rg BT 209.94 348.25 Td (in ) Tj ET Q q 0 0 0 rg BT 220.02 348.25 Td (the ) Tj ET Q q 0 0 0 rg BT 234.53 348.25 Td (plan, ) Tj ET Q q 0 0 0 rg BT 256.55 348.25 Td (leaving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.28 348.25 Td (806,644) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.78 348.25 Td ( ) Tj ET Q q 0 0 0 rg BT 323.08 348.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 350.37 348.25 Td (remaining ) Tj ET Q q 0 0 0 rg BT 393.22 348.25 Td (reserved ) Tj ET Q q 0 0 0 rg BT 429.38 348.25 Td (for ) Tj ET Q q 0 0 0 rg BT 443.34 348.25 Td (future ) Tj ET Q q 0 0 0 rg BT 469.52 348.25 Td (issuance ) Tj ET Q q 0 0 0 rg BT 505.70 348.25 Td (under ) Tj ET Q q 0 0 0 rg BT 530.76 348.25 Td (the ) Tj ET Q q 0 0 0 rg BT 545.28 348.25 Td (plan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 336.25 Td (as ) Tj ET Q q 0 0 0 rg BT 60.33 336.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.16 336.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 119.76 336.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.76 336.25 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 318.25 Td (10. ) Tj ET Q q 0 0 0 rg BT 64.50 318.25 Td ( ) Tj ET Q q 0 0 0 rg BT 67.50 318.25 Td (Significant ) Tj ET Q q 0 0 0 rg BT 115.94 318.25 Td (V) Tj ET Q q 0 0 0 rg BT 122.24 318.25 Td (endors) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.13 318.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 300.25 Td (As ) Tj ET Q q 0 0 0 rg BT 63.11 300.25 Td (shown ) Tj ET Q q 0 0 0 rg BT 91.73 300.25 Td (in ) Tj ET Q q 0 0 0 rg BT 102.00 300.25 Td (the ) Tj ET Q q 0 0 0 rg BT 116.72 300.25 Td (table ) Tj ET Q q 0 0 0 rg BT 138.66 300.25 Td (below) Tj ET Q q 0 0 0 rg BT 162.44 300.25 Td (, ) Tj ET Q q 0 0 0 rg BT 167.44 300.25 Td (a ) Tj ET Q q 0 0 0 rg BT 174.38 300.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 219.09 300.25 Td (portion ) Tj ET Q q 0 0 0 rg BT 250.48 300.25 Td (of ) Tj ET Q q 0 0 0 rg BT 261.31 300.25 Td (our ) Tj ET Q q 0 0 0 rg BT 277.14 300.25 Td (merchandise ) Tj ET Q q 0 0 0 rg BT 330.17 300.25 Td (purchases ) Tj ET Q q 0 0 0 rg BT 372.10 300.25 Td (were ) Tj ET Q q 0 0 0 rg BT 394.03 300.25 Td (made ) Tj ET Q q 0 0 0 rg BT 418.19 300.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.13 300.25 Td (six) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.79 300.25 Td ( ) Tj ET Q q 0 0 0 rg BT 454.29 300.25 Td (vendors:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 254.75 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 254.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 254.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 254.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 254.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 254.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 224.75 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 224.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 224.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 224.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 224.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 224.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 194.75 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 194.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 194.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 194.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 194.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 194.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 164.75 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 164.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 164.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 164.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 164.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 164.75 65.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 268.75 m 424 268.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 268.75 m 428 268.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 268.75 m 493 268.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 268.75 m 497 268.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 268.75 m 562 268.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 254.75 m 424 254.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 254.75 m 493 254.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 254.75 m 562 254.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 164.75 m 424 164.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 150.75 m 424 150.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 148.75 m 424 148.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 164.75 m 493 164.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 150.75 m 493 150.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 148.75 m 493 148.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 164.75 m 562 164.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 150.75 m 562 150.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 148.75 m 562 148.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 273.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 409.50 273.43 Td (Y) Tj ET Q q 0 0 0 rg BT 416.17 273.43 Td (ear) Tj ET Q q 0 0 0 rg BT 429.40 273.43 Td ( ended January 31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.00 259.43 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.00 259.43 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 519.00 259.43 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 244.42 Td (V) Tj ET Q q 0 0 0 rg BT 59.17 244.42 Td (endor ) Tj ET Q q 0 0 0 rg BT 83.61 244.42 Td (A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 244.42 Td (27.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.15 244.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 244.42 Td (26.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 244.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 244.42 Td (29.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 244.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 229.42 Td (V) Tj ET Q q 0 0 0 rg BT 59.17 229.42 Td (endor B) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 229.42 Td (14.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 229.42 Td (17.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 229.42 Td (17.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 214.42 Td (V) Tj ET Q q 0 0 0 rg BT 59.17 214.42 Td (endor C) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.65 214.42 Td (6.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.65 214.42 Td (5.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 214.42 Td (4.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 199.42 Td (V) Tj ET Q q 0 0 0 rg BT 59.17 199.42 Td (endor D) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.65 199.42 Td (5.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.65 199.42 Td (5.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 199.42 Td (4.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 184.42 Td (V) Tj ET Q q 0 0 0 rg BT 59.17 184.42 Td (endor E) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.65 184.42 Td (4.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.65 184.42 Td (4.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 184.42 Td (3.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 169.42 Td (V) Tj ET Q q 0 0 0 rg BT 58.61 169.42 Td (endor F) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.65 169.42 Td (3.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.65 169.42 Td (3.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 169.42 Td (3.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 154.42 Td (62.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.15 154.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 154.42 Td (63.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 154.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 154.42 Td (62.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 154.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 132.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.33 132.25 Td (vendors ) Tj ET Q q 0 0 0 rg BT 101.28 132.25 Td (shown ) Tj ET Q q 0 0 0 rg BT 129.68 132.25 Td (above ) Tj ET Q q 0 0 0 rg BT 155.84 132.25 Td (represent ) Tj ET Q q 0 0 0 rg BT 194.78 132.25 Td (the ) Tj ET Q q 0 0 0 rg BT 209.28 132.25 Td (top ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.34 132.25 Td (six) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.01 132.25 Td ( ) Tj ET Q q 0 0 0 rg BT 238.30 132.25 Td (vendors ) Tj ET Q q 0 0 0 rg BT 272.25 132.25 Td (with ) Tj ET Q q 0 0 0 rg BT 292.31 132.25 Td (the ) Tj ET Q q 0 0 0 rg BT 306.82 132.25 Td (highest ) Tj ET Q q 0 0 0 rg BT 337.99 132.25 Td (volume ) Tj ET Q q 0 0 0 rg BT 370.27 132.25 Td (in ) Tj ET Q q 0 0 0 rg BT 380.34 132.25 Td (each ) Tj ET Q q 0 0 0 rg BT 400.94 132.25 Td (period ) Tj ET Q q 0 0 0 rg BT 428.77 132.25 Td (shown. ) Tj ET Q q 0 0 0 rg BT 459.51 132.25 Td (The ) Tj ET Q q 0 0 0 rg BT 477.34 132.25 Td (same ) Tj ET Q q 0 0 0 rg BT 500.17 132.25 Td (vendor ) Tj ET Q q 0 0 0 rg BT 530.23 132.25 Td (may ) Tj ET Q q 0 0 0 rg BT 549.73 132.25 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 120.25 Td (necessarily ) Tj ET Q q 0 0 0 rg BT 96.42 120.25 Td (be ) Tj ET Q q 0 0 0 rg BT 108.36 120.25 Td (represented ) Tj ET Q q 0 0 0 rg BT 156.95 120.25 Td (in ) Tj ET Q q 0 0 0 rg BT 167.22 120.25 Td (all ) Tj ET Q q 0 0 0 rg BT 179.72 120.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 211.66 120.25 Td (presented.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 102.25 Td (1) Tj ET Q q 0 0 0 rg BT 53.95 102.25 Td (1. ) Tj ET Q q 0 0 0 rg BT 63.95 102.25 Td ( ) Tj ET Q q 0 0 0 rg BT 67.50 102.25 Td (Defined ) Tj ET Q q 0 0 0 rg BT 103.33 102.25 Td (Contribution ) Tj ET Q q 0 0 0 rg BT 161.95 102.25 Td (Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.40 102.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 84.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 84.25 Td (e ) Tj ET Q q 0 0 0 rg BT 64.14 84.25 Td (have ) Tj ET Q q 0 0 0 rg BT 84.58 84.25 Td (established ) Tj ET Q q 0 0 0 rg BT 130.57 84.25 Td (a ) Tj ET Q q 0 0 0 rg BT 136.58 84.25 Td (defined ) Tj ET Q q 0 0 0 rg BT 168.12 84.25 Td (contribution ) Tj ET Q q 0 0 0 rg BT 218.57 84.25 Td (401\(k\) ) Tj ET Q q 0 0 0 rg BT 246.79 84.25 Td (plan ) Tj ET Q q 0 0 0 rg BT 265.57 84.25 Td (for ) Tj ET Q q 0 0 0 rg BT 278.79 84.25 Td (eligible ) Tj ET Q q 0 0 0 rg BT 310.34 84.25 Td (employees. ) Tj ET Q q 0 0 0 rg BT 357.17 84.25 Td (Prior ) Tj ET Q q 0 0 0 rg BT 378.73 84.25 Td (to ) Tj ET Q q 0 0 0 rg BT 388.07 84.25 Td (January ) Tj ET Q q 0 0 0 rg BT 420.74 84.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 429.80 84.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 453.86 84.25 Td (employees ) Tj ET Q q 0 0 0 rg BT 498.19 84.25 Td (could ) Tj ET Q q 0 0 0 rg BT 521.97 84.25 Td (contribute ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 72.25 Td (up ) Tj ET Q q 0 0 0 rg BT 61.72 72.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.72 72.25 Td (20%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.05 72.25 Td ( ) Tj ET Q q 0 0 0 rg BT 92.27 72.25 Td (of ) Tj ET Q q 0 0 0 rg BT 102.82 72.25 Td (their ) Tj ET Q q 0 0 0 rg BT 123.37 72.25 Td (eligible ) Tj ET Q q 0 0 0 rg BT 155.58 72.25 Td (pretax ) Tj ET Q q 0 0 0 rg BT 182.78 72.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 240.55 72.25 Td (to ) Tj ET Q q 0 0 0 rg BT 250.55 72.25 Td (the ) Tj ET Q q 0 0 0 rg BT 264.98 72.25 Td (plan ) Tj ET Q q 0 0 0 rg BT 284.42 72.25 Td (and ) Tj ET Q q 0 0 0 rg BT 301.08 72.25 Td (we ) Tj ET Q q 0 0 0 rg BT 314.96 72.25 Td (matched ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.05 72.25 Td (100%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.38 72.25 Td ( ) Tj ET Q q 0 0 0 rg BT 376.60 72.25 Td (of ) Tj ET Q q 0 0 0 rg BT 387.16 72.25 Td (the ) Tj ET Q q 0 0 0 rg BT 401.59 72.25 Td (first ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.92 72.25 Td (3%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.25 72.25 Td ( ) Tj ET Q q 0 0 0 rg BT 435.47 72.25 Td (of ) Tj ET Q q 0 0 0 rg BT 446.02 72.25 Td (the ) Tj ET Q q 0 0 0 rg BT 460.46 72.25 Td (employees' ) Tj ET Q q 0 0 0 rg BT 507.25 72.25 Td (contributions. ) Tj ET Q q 0 0 0 rg BT 565.02 72.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 60.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 58.76 60.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 88.66 60.25 Td (January ) Tj ET Q q 0 0 0 rg BT 122.45 60.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 132.64 60.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 157.84 60.25 Td (employees ) Tj ET Q q 0 0 0 rg BT 203.30 60.25 Td (may ) Tj ET Q q 0 0 0 rg BT 223.21 60.25 Td (contribute ) Tj ET Q q 0 0 0 rg BT 266.45 60.25 Td (up ) Tj ET Q q 0 0 0 rg BT 279.14 60.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.62 60.25 Td (50%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.95 60.25 Td ( ) Tj ET Q q 0 0 0 rg BT 310.64 60.25 Td (of ) Tj ET Q q 0 0 0 rg BT 321.67 60.25 Td (their ) Tj ET Q q 0 0 0 rg BT 342.69 60.25 Td (eligible ) Tj ET Q q 0 0 0 rg BT 375.37 60.25 Td (pretax ) Tj ET Q q 0 0 0 rg BT 403.05 60.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 461.29 60.25 Td (to ) Tj ET Q q 0 0 0 rg BT 471.77 60.25 Td (the ) Tj ET Q q 0 0 0 rg BT 486.68 60.25 Td (plan ) Tj ET Q q 0 0 0 rg BT 506.59 60.25 Td (and ) Tj ET Q q 0 0 0 rg BT 523.72 60.25 Td (we ) Tj ET Q q 0 0 0 rg BT 538.08 60.25 Td (match ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 48.25 Td (100%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.83 48.25 Td ( ) Tj ET Q q 0 0 0 rg BT 75.63 48.25 Td (of ) Tj ET Q q 0 0 0 rg BT 86.76 48.25 Td (the ) Tj ET Q q 0 0 0 rg BT 101.77 48.25 Td (first ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.68 48.25 Td (3%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.01 48.25 Td ( ) Tj ET Q q 0 0 0 rg BT 136.80 48.25 Td (of ) Tj ET Q q 0 0 0 rg BT 147.93 48.25 Td (the ) Tj ET Q q 0 0 0 rg BT 162.95 48.25 Td (employees' ) Tj ET Q q 0 0 0 rg BT 210.31 48.25 Td (contributions ) Tj ET Q q 0 0 0 rg BT 265.88 48.25 Td (and ) Tj ET Q q 0 0 0 rg BT 283.12 48.25 Td (an ) Tj ET Q q 0 0 0 rg BT 295.35 48.25 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.14 48.25 Td (50%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.47 48.25 Td ( ) Tj ET Q q 0 0 0 rg BT 359.27 48.25 Td (of ) Tj ET Q q 0 0 0 rg BT 370.40 48.25 Td (the ) Tj ET Q q 0 0 0 rg BT 385.41 48.25 Td (next ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.43 48.25 Td (2%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.76 48.25 Td ( ) Tj ET Q q 0 0 0 rg BT 421.56 48.25 Td (of ) Tj ET Q q 0 0 0 rg BT 432.68 48.25 Td (the ) Tj ET Q q 0 0 0 rg BT 447.70 48.25 Td (employees' ) Tj ET Q q 0 0 0 rg BT 495.06 48.25 Td (contributions. ) Tj ET Q q 0 0 0 rg BT 552.52 48.25 Td (At ) Tj ET Q endstream endobj 167 0 obj <>] /Rotate 0 /Contents 168 0 R>> endobj 168 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (82) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 731.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.39 731.10 Td (option, ) Tj ET Q q 0 0 0 rg BT 96.01 731.10 Td (we ) Tj ET Q q 0 0 0 rg BT 110.23 731.10 Td (may ) Tj ET Q q 0 0 0 rg BT 130.01 731.10 Td (make ) Tj ET Q q 0 0 0 rg BT 154.22 731.10 Td (supplemental ) Tj ET Q q 0 0 0 rg BT 210.11 731.10 Td (contributions ) Tj ET Q q 0 0 0 rg BT 265.44 731.10 Td (to ) Tj ET Q q 0 0 0 rg BT 275.78 731.10 Td (the ) Tj ET Q q 0 0 0 rg BT 290.56 731.10 Td (plan, ) Tj ET Q q 0 0 0 rg BT 312.83 731.10 Td (but ) Tj ET Q q 0 0 0 rg BT 328.17 731.10 Td (have ) Tj ET Q q 0 0 0 rg BT 349.61 731.10 Td (not ) Tj ET Q q 0 0 0 rg BT 364.95 731.10 Td (made ) Tj ET Q q 0 0 0 rg BT 389.17 731.10 Td (such ) Tj ET Q q 0 0 0 rg BT 410.06 731.10 Td (supplemental ) Tj ET Q q 0 0 0 rg BT 465.94 731.10 Td (contributions ) Tj ET Q q 0 0 0 rg BT 521.27 731.10 Td (in ) Tj ET Q q 0 0 0 rg BT 531.61 731.10 Td (the ) Tj ET Q q 0 0 0 rg BT 546.39 731.10 Td (past ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 719.10 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.49 719.10 Td ( ) Tj ET Q q 0 0 0 rg BT 72.48 719.10 Td (years. ) Tj ET Q q 0 0 0 rg BT 98.86 719.10 Td (The ) Tj ET Q q 0 0 0 rg BT 117.41 719.10 Td (matching ) Tj ET Q q 0 0 0 rg BT 157.61 719.10 Td (contributions ) Tj ET Q q 0 0 0 rg BT 213.38 719.10 Td (made ) Tj ET Q q 0 0 0 rg BT 238.04 719.10 Td (by ) Tj ET Q q 0 0 0 rg BT 251.03 719.10 Td (us ) Tj ET Q q 0 0 0 rg BT 262.92 719.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.13 719.10 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 313.63 719.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.52 719.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.02 719.10 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 368.51 719.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.41 719.10 Td ( ) Tj ET Q q 0 0 0 rg BT 400.40 719.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.84 719.10 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 438.34 719.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.23 719.10 Td ( ) Tj ET Q q 0 0 0 rg BT 470.22 719.10 Td (during ) Tj ET Q q 0 0 0 rg BT 499.33 719.10 Td (the ) Tj ET Q q 0 0 0 rg BT 514.54 719.10 Td (years ) Tj ET Q q 0 0 0 rg BT 538.64 719.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 707.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 98.10 707.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.10 707.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.10 707.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.10 707.10 Td ( ) Tj ET Q q 0 0 0 rg BT 145.60 707.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.54 707.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.54 707.10 Td (, ) Tj ET Q q 0 0 0 rg BT 187.54 707.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 235.20 707.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 689.10 Td (12. ) Tj ET Q q 0 0 0 rg BT 64.50 689.10 Td ( ) Tj ET Q q 0 0 0 rg BT 67.50 689.10 Td (Contingencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.50 689.10 Td () Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 671.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 92.20 671.10 Td (Litigation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.26 671.10 Td ( ) Tj ET Q q 0 0 0 rg BT 137.40 671.10 Td ( ) Tj ET Q q 0 0 0 rg BT 139.39 671.10 Td (W) Tj ET Q q 0 0 0 rg BT 148.02 671.10 Td (e ) Tj ET Q q 0 0 0 rg BT 154.60 671.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.18 671.10 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.18 671.10 Td ( ) Tj ET Q q 0 0 0 rg BT 188.32 671.10 Td (of ) Tj ET Q q 0 0 0 rg BT 198.80 671.10 Td (our ) Tj ET Q q 0 0 0 rg BT 214.27 671.10 Td (former ) Tj ET Q q 0 0 0 rg BT 243.62 671.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 284.07 671.10 Td (of) Tj ET Q q 0 0 0 rg BT 292.22 671.10 Td (ficers ) Tj ET Q q 0 0 0 rg BT 316.56 671.10 Td (are ) Tj ET Q q 0 0 0 rg BT 330.91 671.10 Td (defendants ) Tj ET Q q 0 0 0 rg BT 376.37 671.10 Td (in ) Tj ET Q q 0 0 0 rg BT 386.29 671.10 Td (a ) Tj ET Q q 0 0 0 rg BT 392.87 671.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 445.55 671.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 485.46 671.10 Td (class ) Tj ET Q q 0 0 0 rg BT 507.04 671.10 Td (action ) Tj ET Q q 0 0 0 rg BT 533.61 671.10 Td (lawsuit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 659.10 Td (pending ) Tj ET Q q 0 0 0 rg BT 83.99 659.10 Td (in ) Tj ET Q q 0 0 0 rg BT 94.05 659.10 Td (the ) Tj ET Q q 0 0 0 rg BT 108.54 659.10 Td (United ) Tj ET Q q 0 0 0 rg BT 138.04 659.10 Td (States ) Tj ET Q q 0 0 0 rg BT 164.20 659.10 Td (District ) Tj ET Q q 0 0 0 rg BT 196.47 659.10 Td (Court ) Tj ET Q q 0 0 0 rg BT 221.53 659.10 Td (for ) Tj ET Q q 0 0 0 rg BT 235.46 659.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.96 659.10 Td (Southern ) Tj ET Q q 0 0 0 rg BT 288.34 659.10 Td (District ) Tj ET Q q 0 0 0 rg BT 320.61 659.10 Td (of ) Tj ET Q q 0 0 0 rg BT 331.06 659.10 Td (T) Tj ET Q q 0 0 0 rg BT 336.47 659.10 Td (exas ) Tj ET Q q 0 0 0 rg BT 356.51 659.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 374.34 659.10 Td (Court\), ) Tj ET Q q 0 0 0 rg BT 414.10 659.10 Td (captioned ) Tj ET Q q 0 0 0 rg BT 455.25 659.10 Td (In ) Tj ET Q q 0 0 0 rg BT 465.85 659.10 Td (re ) Tj ET Q q 0 0 0 rg BT 475.90 659.10 Td (Conn's ) Tj ET Q q 0 0 0 rg BT 505.54 659.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 523.09 659.10 Td (Securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 647.10 Td (Litigation, ) Tj ET Q q 0 0 0 rg BT 94.23 647.10 Td (Cause ) Tj ET Q q 0 0 0 rg BT 121.46 647.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 138.97 647.10 Td (14-CV) Tj ET Q q 0 0 0 rg BT 165.28 647.10 Td (-00548 ) Tj ET Q q 0 0 0 rg BT 196.40 647.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 214.74 647.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 274.74 647.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 316.35 647.10 Td (Action\). ) Tj ET Q q 0 0 0 rg BT 356.43 647.10 Td (The ) Tj ET Q q 0 0 0 rg BT 374.77 647.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 430.33 647.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 471.94 647.10 Td (Action ) Tj ET Q q 0 0 0 rg BT 501.95 647.10 Td (started ) Tj ET Q q 0 0 0 rg BT 531.40 647.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.52 647.10 Td (three) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 635.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 83.94 635.10 Td (purported ) Tj ET Q q 0 0 0 rg BT 124.50 635.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 163.95 635.10 Td (class ) Tj ET Q q 0 0 0 rg BT 185.08 635.10 Td (action ) Tj ET Q q 0 0 0 rg BT 211.20 635.10 Td (lawsuits ) Tj ET Q q 0 0 0 rg BT 245.66 635.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 265.67 635.10 Td (between ) Tj ET Q q 0 0 0 rg BT 300.67 635.10 Td (March ) Tj ET Q q 0 0 0 rg BT 328.46 635.10 Td (5, ) Tj ET Q q 0 0 0 rg BT 337.64 635.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 359.33 635.10 Td (and ) Tj ET Q q 0 0 0 rg BT 375.46 635.10 Td (May ) Tj ET Q q 0 0 0 rg BT 395.47 635.10 Td (5, ) Tj ET Q q 0 0 0 rg BT 404.66 635.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 426.34 635.10 Td (in ) Tj ET Q q 0 0 0 rg BT 435.81 635.10 Td (the ) Tj ET Q q 0 0 0 rg BT 449.71 635.10 Td (Court ) Tj ET Q q 0 0 0 rg BT 474.17 635.10 Td (that ) Tj ET Q q 0 0 0 rg BT 490.86 635.10 Td (were ) Tj ET Q q 0 0 0 rg BT 511.97 635.10 Td (consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 623.10 Td (into ) Tj ET Q q 0 0 0 rg BT 68.60 623.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.36 623.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 140.68 623.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 182.87 623.10 Td (Action ) Tj ET Q q 0 0 0 rg BT 213.63 623.10 Td (on ) Tj ET Q q 0 0 0 rg BT 227.18 623.10 Td (June ) Tj ET Q q 0 0 0 rg BT 249.05 623.10 Td (3, ) Tj ET Q q 0 0 0 rg BT 260.10 623.10 Td (2014. ) Tj ET Q q 0 0 0 rg BT 286.14 623.10 Td ( ) Tj ET Q q 0 0 0 rg BT 289.43 623.10 Td (The ) Tj ET Q q 0 0 0 rg BT 308.52 623.10 Td (plaintif) Tj ET Q q 0 0 0 rg BT 337.22 623.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 347.99 623.10 Td (in ) Tj ET Q q 0 0 0 rg BT 359.31 623.10 Td (the ) Tj ET Q q 0 0 0 rg BT 375.07 623.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 431.39 623.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 473.58 623.10 Td (Action ) Tj ET Q q 0 0 0 rg BT 504.34 623.10 Td (allege ) Tj ET Q q 0 0 0 rg BT 531.76 623.10 Td (that ) Tj ET Q q 0 0 0 rg BT 550.30 623.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 611.10 Td (defendants ) Tj ET Q q 0 0 0 rg BT 95.45 611.10 Td (made ) Tj ET Q q 0 0 0 rg BT 119.74 611.10 Td (false ) Tj ET Q q 0 0 0 rg BT 141.26 611.10 Td (and ) Tj ET Q q 0 0 0 rg BT 158.33 611.10 Td (misleading ) Tj ET Q q 0 0 0 rg BT 204.85 611.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 249.70 611.10 Td (or ) Tj ET Q q 0 0 0 rg BT 260.67 611.10 Td (failed ) Tj ET Q q 0 0 0 rg BT 286.07 611.10 Td (to ) Tj ET Q q 0 0 0 rg BT 296.48 611.10 Td (disclose ) Tj ET Q q 0 0 0 rg BT 331.34 611.10 Td (material ) Tj ET Q q 0 0 0 rg BT 366.73 611.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 399.91 611.10 Td (facts ) Tj ET Q q 0 0 0 rg BT 421.42 611.10 Td (about ) Tj ET Q q 0 0 0 rg BT 446.27 611.10 Td (our ) Tj ET Q q 0 0 0 rg BT 462.24 611.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 501.27 611.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 548.06 611.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 599.10 Td (prospects. ) Tj ET Q q 0 0 0 rg BT 91.89 599.10 Td ( ) Tj ET Q q 0 0 0 rg BT 93.85 599.10 Td (They ) Tj ET Q q 0 0 0 rg BT 116.52 599.10 Td (allege ) Tj ET Q q 0 0 0 rg BT 142.51 599.10 Td (violations ) Tj ET Q q 0 0 0 rg BT 184.07 599.10 Td (of ) Tj ET Q q 0 0 0 rg BT 194.52 599.10 Td (sections ) Tj ET Q q 0 0 0 rg BT 228.86 599.10 Td (10\(b\) ) Tj ET Q q 0 0 0 rg BT 252.64 599.10 Td (and ) Tj ET Q q 0 0 0 rg BT 269.20 599.10 Td (20\(a\) ) Tj ET Q q 0 0 0 rg BT 292.41 599.10 Td (of ) Tj ET Q q 0 0 0 rg BT 302.86 599.10 Td (the ) Tj ET Q q 0 0 0 rg BT 317.20 599.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 358.75 599.10 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 399.83 599.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 416.38 599.10 Td (of ) Tj ET Q q 0 0 0 rg BT 426.83 599.10 Td (1934 ) Tj ET Q q 0 0 0 rg BT 448.95 599.10 Td (and ) Tj ET Q q 0 0 0 rg BT 465.51 599.10 Td (Rule ) Tj ET Q q 0 0 0 rg BT 486.52 599.10 Td (10b-5 ) Tj ET Q q 0 0 0 rg BT 511.96 599.10 Td (promulgated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 587.10 Td (thereunder ) Tj ET Q q 0 0 0 rg BT 94.38 587.10 Td (and ) Tj ET Q q 0 0 0 rg BT 110.95 587.10 Td (seek ) Tj ET Q q 0 0 0 rg BT 130.85 587.10 Td (to ) Tj ET Q q 0 0 0 rg BT 140.75 587.10 Td (certify ) Tj ET Q q 0 0 0 rg BT 168.98 587.10 Td (a ) Tj ET Q q 0 0 0 rg BT 175.54 587.10 Td (class ) Tj ET Q q 0 0 0 rg BT 197.11 587.10 Td (of ) Tj ET Q q 0 0 0 rg BT 207.57 587.10 Td (all ) Tj ET Q q 0 0 0 rg BT 219.70 587.10 Td (persons ) Tj ET Q q 0 0 0 rg BT 252.38 587.10 Td (and ) Tj ET Q q 0 0 0 rg BT 268.94 587.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 299.95 587.10 Td (that ) Tj ET Q q 0 0 0 rg BT 317.08 587.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 359.74 587.10 Td (or ) Tj ET Q q 0 0 0 rg BT 370.20 587.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 411.21 587.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 447.76 587.10 Td (Conn's ) Tj ET Q q 0 0 0 rg BT 477.25 587.10 Td (common ) Tj ET Q q 0 0 0 rg BT 514.38 587.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 537.62 587.10 Td (or ) Tj ET Q q 0 0 0 rg BT 548.07 587.10 Td (call ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 575.10 Td (options, ) Tj ET Q q 0 0 0 rg BT 84.22 575.10 Td (or ) Tj ET Q q 0 0 0 rg BT 95.32 575.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 114.77 575.10 Td (or ) Tj ET Q q 0 0 0 rg BT 125.87 575.10 Td (wrote ) Tj ET Q q 0 0 0 rg BT 151.41 575.10 Td (Conn's ) Tj ET Q q 0 0 0 rg BT 181.54 575.10 Td (put ) Tj ET Q q 0 0 0 rg BT 197.10 575.10 Td (options ) Tj ET Q q 0 0 0 rg BT 229.32 575.10 Td (between ) Tj ET Q q 0 0 0 rg BT 264.79 575.10 Td (April ) Tj ET Q q 0 0 0 rg BT 288.67 575.10 Td (3, ) Tj ET Q q 0 0 0 rg BT 298.95 575.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 321.72 575.10 Td (and ) Tj ET Q q 0 0 0 rg BT 338.93 575.10 Td (December ) Tj ET Q q 0 0 0 rg BT 382.79 575.10 Td (9, ) Tj ET Q q 0 0 0 rg BT 393.06 575.10 Td (2014. ) Tj ET Q q 0 0 0 rg BT 418.33 575.10 Td ( ) Tj ET Q q 0 0 0 rg BT 420.90 575.10 Td (The ) Tj ET Q q 0 0 0 rg BT 439.22 575.10 Td (complaint ) Tj ET Q q 0 0 0 rg BT 481.98 575.10 Td (does ) Tj ET Q q 0 0 0 rg BT 503.09 575.10 Td (not ) Tj ET Q q 0 0 0 rg BT 518.64 575.10 Td (specify ) Tj ET Q q 0 0 0 rg BT 550.29 575.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 563.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 82.00 563.10 Td (of ) Tj ET Q q 0 0 0 rg BT 92.83 563.10 Td (damages ) Tj ET Q q 0 0 0 rg BT 130.31 563.10 Td (sought.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 545.10 Td (On ) Tj ET Q q 0 0 0 rg BT 64.36 545.10 Td (June ) Tj ET Q q 0 0 0 rg BT 85.33 545.10 Td (30, ) Tj ET Q q 0 0 0 rg BT 100.47 545.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 125.60 545.10 Td (the ) Tj ET Q q 0 0 0 rg BT 140.46 545.10 Td (Court ) Tj ET Q q 0 0 0 rg BT 165.88 545.10 Td (held ) Tj ET Q q 0 0 0 rg BT 185.73 545.10 Td (a ) Tj ET Q q 0 0 0 rg BT 192.81 545.10 Td (hearing ) Tj ET Q q 0 0 0 rg BT 225.43 545.10 Td (on ) Tj ET Q q 0 0 0 rg BT 238.07 545.10 Td (the ) Tj ET Q q 0 0 0 rg BT 252.92 545.10 Td (defendants' ) Tj ET Q q 0 0 0 rg BT 300.68 545.10 Td (motion ) Tj ET Q q 0 0 0 rg BT 331.65 545.10 Td (to ) Tj ET Q q 0 0 0 rg BT 342.07 545.10 Td (dismiss ) Tj ET Q q 0 0 0 rg BT 374.72 545.10 Td (plaintif) Tj ET Q q 0 0 0 rg BT 403.42 545.10 Td (fs' ) Tj ET Q q 0 0 0 rg BT 415.08 545.10 Td (complaint. ) Tj ET Q q 0 0 0 rg BT 460.21 545.10 Td ( ) Tj ET Q q 0 0 0 rg BT 462.26 545.10 Td (At ) Tj ET Q q 0 0 0 rg BT 474.90 545.10 Td (the ) Tj ET Q q 0 0 0 rg BT 489.76 545.10 Td (hearing, ) Tj ET Q q 0 0 0 rg BT 524.88 545.10 Td (the ) Tj ET Q q 0 0 0 rg BT 539.74 545.10 Td (Court ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 533.10 Td (dismissed ) Tj ET Q q 0 0 0 rg BT 91.26 533.10 Td (Brian ) Tj ET Q q 0 0 0 rg BT 115.62 533.10 Td (T) Tj ET Q q 0 0 0 rg BT 121.03 533.10 Td (aylor) Tj ET Q q 0 0 0 rg BT 141.18 533.10 Td (, ) Tj ET Q q 0 0 0 rg BT 145.99 533.10 Td (a ) Tj ET Q q 0 0 0 rg BT 152.74 533.10 Td (former ) Tj ET Q q 0 0 0 rg BT 182.26 533.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 222.88 533.10 Td (of) Tj ET Q q 0 0 0 rg BT 231.03 533.10 Td (ficer) Tj ET Q q 0 0 0 rg BT 248.94 533.10 Td (, ) Tj ET Q q 0 0 0 rg BT 253.75 533.10 Td (and ) Tj ET Q q 0 0 0 rg BT 270.50 533.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 300.02 533.10 Td (other ) Tj ET Q q 0 0 0 rg BT 322.87 533.10 Td (aspects ) Tj ET Q q 0 0 0 rg BT 354.06 533.10 Td (of ) Tj ET Q q 0 0 0 rg BT 364.70 533.10 Td (the ) Tj ET Q q 0 0 0 rg BT 379.23 533.10 Td (complaint. ) Tj ET Q q 0 0 0 rg BT 424.03 533.10 Td ( ) Tj ET Q q 0 0 0 rg BT 426.18 533.10 Td (The ) Tj ET Q q 0 0 0 rg BT 444.03 533.10 Td (Court ) Tj ET Q q 0 0 0 rg BT 469.12 533.10 Td (ordered ) Tj ET Q q 0 0 0 rg BT 501.97 533.10 Td (the ) Tj ET Q q 0 0 0 rg BT 516.50 533.10 Td (plaintif) Tj ET Q q 0 0 0 rg BT 545.20 533.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 554.73 533.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 521.10 Td (further ) Tj ET Q q 0 0 0 rg BT 78.77 521.10 Td (amend ) Tj ET Q q 0 0 0 rg BT 107.50 521.10 Td (their ) Tj ET Q q 0 0 0 rg BT 127.89 521.10 Td (complaint ) Tj ET Q q 0 0 0 rg BT 169.95 521.10 Td (in ) Tj ET Q q 0 0 0 rg BT 179.80 521.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 226.82 521.10 Td (with ) Tj ET Q q 0 0 0 rg BT 246.67 521.10 Td (its ) Tj ET Q q 0 0 0 rg BT 258.19 521.10 Td (ruling, ) Tj ET Q q 0 0 0 rg BT 286.64 521.10 Td (and ) Tj ET Q q 0 0 0 rg BT 303.15 521.10 Td (the ) Tj ET Q q 0 0 0 rg BT 317.43 521.10 Td (plaintif) Tj ET Q q 0 0 0 rg BT 346.13 521.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 355.42 521.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 375.82 521.10 Td (their ) Tj ET Q q 0 0 0 rg BT 396.21 521.10 Td (Fourth ) Tj ET Q q 0 0 0 rg BT 424.95 521.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 479.33 521.10 Td (Amended ) Tj ET Q q 0 0 0 rg BT 520.28 521.10 Td (Complaint ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 509.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.38 509.10 Td (July ) Tj ET Q q 0 0 0 rg BT 81.94 509.10 Td (21, ) Tj ET Q q 0 0 0 rg BT 97.32 509.10 Td (2015. ) Tj ET Q q 0 0 0 rg BT 122.70 509.10 Td ( ) Tj ET Q q 0 0 0 rg BT 125.38 509.10 Td (The ) Tj ET Q q 0 0 0 rg BT 143.81 509.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 187.23 509.10 Td (defendants ) Tj ET Q q 0 0 0 rg BT 233.43 509.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 254.64 509.10 Td (a ) Tj ET Q q 0 0 0 rg BT 261.96 509.10 Td (motion ) Tj ET Q q 0 0 0 rg BT 293.18 509.10 Td (to ) Tj ET Q q 0 0 0 rg BT 303.84 509.10 Td (dismiss ) Tj ET Q q 0 0 0 rg BT 336.74 509.10 Td (on ) Tj ET Q q 0 0 0 rg BT 348.98 509.10 Td (August ) Tj ET Q q 0 0 0 rg BT 380.76 509.10 Td (28, ) Tj ET Q q 0 0 0 rg BT 396.14 509.10 Td (2015. ) Tj ET Q q 0 0 0 rg BT 421.52 509.10 Td ( ) Tj ET Q q 0 0 0 rg BT 424.20 509.10 Td (The ) Tj ET Q q 0 0 0 rg BT 442.63 509.10 Td (defendant's ) Tj ET Q q 0 0 0 rg BT 490.63 509.10 Td (motion ) Tj ET Q q 0 0 0 rg BT 521.85 509.10 Td (to ) Tj ET Q q 0 0 0 rg BT 532.51 509.10 Td (dismiss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 497.10 Td (was ) Tj ET Q q 0 0 0 rg BT 67.55 497.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 88.93 497.10 Td (briefed ) Tj ET Q q 0 0 0 rg BT 119.74 497.10 Td (and ) Tj ET Q q 0 0 0 rg BT 136.68 497.10 Td (the ) Tj ET Q q 0 0 0 rg BT 151.39 497.10 Td (Court ) Tj ET Q q 0 0 0 rg BT 176.67 497.10 Td (held ) Tj ET Q q 0 0 0 rg BT 196.38 497.10 Td (a ) Tj ET Q q 0 0 0 rg BT 203.32 497.10 Td (hearing ) Tj ET Q q 0 0 0 rg BT 235.80 497.10 Td (on ) Tj ET Q q 0 0 0 rg BT 248.29 497.10 Td (defendants' ) Tj ET Q q 0 0 0 rg BT 295.91 497.10 Td (motion ) Tj ET Q q 0 0 0 rg BT 326.74 497.10 Td (on ) Tj ET Q q 0 0 0 rg BT 339.24 497.10 Td (March ) Tj ET Q q 0 0 0 rg BT 367.83 497.10 Td (25, ) Tj ET Q q 0 0 0 rg BT 382.83 497.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 405.32 497.10 Td (and ) Tj ET Q q 0 0 0 rg BT 422.26 497.10 Td (on ) Tj ET Q q 0 0 0 rg BT 434.76 497.10 Td (May ) Tj ET Q q 0 0 0 rg BT 455.58 497.10 Td (5, ) Tj ET Q q 0 0 0 rg BT 465.58 497.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 490.58 497.10 Td (the ) Tj ET Q q 0 0 0 rg BT 505.29 497.10 Td (Court ) Tj ET Q q 0 0 0 rg BT 530.56 497.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 558.06 497.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 485.10 Td (ruling ) Tj ET Q q 0 0 0 rg BT 76.67 485.10 Td (that ) Tj ET Q q 0 0 0 rg BT 94.94 485.10 Td (dismissed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.67 485.10 Td (78) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.67 485.10 Td ( ) Tj ET Q q 0 0 0 rg BT 150.95 485.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.55 485.10 Td (91) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.55 485.10 Td ( ) Tj ET Q q 0 0 0 rg BT 175.83 485.10 Td (alleged ) Tj ET Q q 0 0 0 rg BT 207.98 485.10 Td (misstatements. ) Tj ET Q q 0 0 0 rg BT 270.42 485.10 Td ( ) Tj ET Q q 0 0 0 rg BT 273.46 485.10 Td (The ) Tj ET Q q 0 0 0 rg BT 292.29 485.10 Td (parties ) Tj ET Q q 0 0 0 rg BT 322.22 485.10 Td (have ) Tj ET Q q 0 0 0 rg BT 344.38 485.10 Td (submitted ) Tj ET Q q 0 0 0 rg BT 387.10 485.10 Td (their ) Tj ET Q q 0 0 0 rg BT 408.71 485.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 452.52 485.10 Td (briefs ) Tj ET Q q 0 0 0 rg BT 478.56 485.10 Td (in ) Tj ET Q q 0 0 0 rg BT 489.62 485.10 Td (support ) Tj ET Q q 0 0 0 rg BT 522.90 485.10 Td (of, ) Tj ET Q q 0 0 0 rg BT 537.01 485.10 Td (and ) Tj ET Q q 0 0 0 rg BT 554.73 485.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 473.10 Td (opposition ) Tj ET Q q 0 0 0 rg BT 94.41 473.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 107.37 473.10 Td (class ) Tj ET Q q 0 0 0 rg BT 129.50 473.10 Td (certification, ) Tj ET Q q 0 0 0 rg BT 182.99 473.10 Td (and ) Tj ET Q q 0 0 0 rg BT 200.11 473.10 Td (also ) Tj ET Q q 0 0 0 rg BT 218.90 473.10 Td (engaged ) Tj ET Q q 0 0 0 rg BT 254.90 473.10 Td (in ) Tj ET Q q 0 0 0 rg BT 265.37 473.10 Td (discovery ) Tj ET Q q 0 0 0 rg BT 306.93 473.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 344.05 473.10 Td (to ) Tj ET Q q 0 0 0 rg BT 354.51 473.10 Td (the ) Tj ET Q q 0 0 0 rg BT 369.42 473.10 Td (Court) Tj ET Q q 0 0 0 rg BT 394.97 473.10 Td (s ) Tj ET Q q 0 0 0 rg BT 401.55 473.10 Td (scheduling ) Tj ET Q q 0 0 0 rg BT 447.56 473.10 Td (order) Tj ET Q q 0 0 0 rg BT 468.10 473.10 Td (. ) Tj ET Q q 0 0 0 rg BT 473.29 473.10 Td ( ) Tj ET Q q 0 0 0 rg BT 475.97 473.10 Td (In ) Tj ET Q q 0 0 0 rg BT 486.99 473.10 Td (late ) Tj ET Q q 0 0 0 rg BT 504.11 473.10 Td (June ) Tj ET Q q 0 0 0 rg BT 525.12 473.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 550.31 473.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 461.10 Td (Court ) Tj ET Q q 0 0 0 rg BT 75.48 461.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 108.67 461.10 Td (the ) Tj ET Q q 0 0 0 rg BT 124.09 461.10 Td (plaintif) Tj ET Q q 0 0 0 rg BT 152.80 461.10 Td (fs) Tj ET Q q 0 0 0 rg BT 162.60 461.10 Td ( ) Tj ET Q q 0 0 0 rg BT 165.81 461.10 Td (motion ) Tj ET Q q 0 0 0 rg BT 197.35 461.10 Td (for ) Tj ET Q q 0 0 0 rg BT 212.21 461.10 Td (class ) Tj ET Q q 0 0 0 rg BT 234.86 461.10 Td (certification, ) Tj ET Q q 0 0 0 rg BT 288.87 461.10 Td (and ) Tj ET Q q 0 0 0 rg BT 306.51 461.10 Td (shortly ) Tj ET Q q 0 0 0 rg BT 337.49 461.10 Td (thereafter) Tj ET Q q 0 0 0 rg BT 375.39 461.10 Td (, ) Tj ET Q q 0 0 0 rg BT 381.10 461.10 Td (Defendants ) Tj ET Q q 0 0 0 rg BT 429.84 461.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 451.37 461.10 Td (a ) Tj ET Q q 0 0 0 rg BT 459.01 461.10 Td (petition ) Tj ET Q q 0 0 0 rg BT 492.77 461.10 Td (for ) Tj ET Q q 0 0 0 rg BT 507.63 461.10 Td (permission ) Tj ET Q q 0 0 0 rg BT 554.73 461.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 449.10 Td (appeal ) Tj ET Q q 0 0 0 rg BT 77.52 449.10 Td (to ) Tj ET Q q 0 0 0 rg BT 87.22 449.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.36 449.10 Td (United ) Tj ET Q q 0 0 0 rg BT 130.50 449.10 Td (States ) Tj ET Q q 0 0 0 rg BT 156.31 449.10 Td (Fifth ) Tj ET Q q 0 0 0 rg BT 177.68 449.10 Td (Circuit ) Tj ET Q q 0 0 0 rg BT 207.38 449.10 Td (Court ) Tj ET Q q 0 0 0 rg BT 232.08 449.10 Td (of ) Tj ET Q q 0 0 0 rg BT 241.91 449.10 Td (Appeals ) Tj ET Q q 0 0 0 rg BT 276.60 449.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 294.08 449.10 Td ("Fifth ) Tj ET Q q 0 0 0 rg BT 319.53 449.10 Td (Circuit"\). ) Tj ET Q q 0 0 0 rg BT 359.14 449.10 Td ( ) Tj ET Q q 0 0 0 rg BT 360.92 449.10 Td (The ) Tj ET Q q 0 0 0 rg BT 378.39 449.10 Td (Fifth ) Tj ET Q q 0 0 0 rg BT 399.77 449.10 Td (Circuit ) Tj ET Q q 0 0 0 rg BT 429.46 449.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 461.37 449.10 Td (leave ) Tj ET Q q 0 0 0 rg BT 484.39 449.10 Td (to ) Tj ET Q q 0 0 0 rg BT 494.09 449.10 Td (appeal ) Tj ET Q q 0 0 0 rg BT 522.11 449.10 Td (on ) Tj ET Q q 0 0 0 rg BT 533.61 449.10 Td (August ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 437.10 Td (21, ) Tj ET Q q 0 0 0 rg BT 64.48 437.10 Td (2017. ) Tj ET Q q 0 0 0 rg BT 89.46 437.10 Td ( ) Tj ET Q q 0 0 0 rg BT 91.95 437.10 Td (Briefing ) Tj ET Q q 0 0 0 rg BT 127.75 437.10 Td (on ) Tj ET Q q 0 0 0 rg BT 140.23 437.10 Td (the ) Tj ET Q q 0 0 0 rg BT 154.93 437.10 Td (appeal ) Tj ET Q q 0 0 0 rg BT 183.51 437.10 Td (is ) Tj ET Q q 0 0 0 rg BT 192.66 437.10 Td (complete ) Tj ET Q q 0 0 0 rg BT 231.79 437.10 Td (and ) Tj ET Q q 0 0 0 rg BT 248.71 437.10 Td (the ) Tj ET Q q 0 0 0 rg BT 263.41 437.10 Td (Fifth ) Tj ET Q q 0 0 0 rg BT 285.34 437.10 Td (Circuit ) Tj ET Q q 0 0 0 rg BT 315.60 437.10 Td (has ) Tj ET Q q 0 0 0 rg BT 331.41 437.10 Td (scheduled ) Tj ET Q q 0 0 0 rg BT 373.88 437.10 Td (oral ) Tj ET Q q 0 0 0 rg BT 391.91 437.10 Td (ar) Tj ET Q q 0 0 0 rg BT 399.49 437.10 Td (guments ) Tj ET Q q 0 0 0 rg BT 435.86 437.10 Td (for ) Tj ET Q q 0 0 0 rg BT 450.00 437.10 Td (May ) Tj ET Q q 0 0 0 rg BT 470.82 437.10 Td (2, ) Tj ET Q q 0 0 0 rg BT 480.80 437.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 505.78 437.10 Td ( ) Tj ET Q q 0 0 0 rg BT 508.08 437.10 Td (W) Tj ET Q q 0 0 0 rg BT 516.72 437.10 Td (e ) Tj ET Q q 0 0 0 rg BT 523.64 437.10 Td (anticipate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 425.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.00 425.10 Td (the ) Tj ET Q q 0 0 0 rg BT 81.71 425.10 Td (appellate ) Tj ET Q q 0 0 0 rg BT 120.30 425.10 Td (court ) Tj ET Q q 0 0 0 rg BT 143.35 425.10 Td (may ) Tj ET Q q 0 0 0 rg BT 163.06 425.10 Td (issue ) Tj ET Q q 0 0 0 rg BT 185.56 425.10 Td (its ) Tj ET Q q 0 0 0 rg BT 197.51 425.10 Td (ruling ) Tj ET Q q 0 0 0 rg BT 223.90 425.10 Td (in ) Tj ET Q q 0 0 0 rg BT 234.18 425.10 Td (the ) Tj ET Q q 0 0 0 rg BT 248.89 425.10 Td (summer ) Tj ET Q q 0 0 0 rg BT 283.61 425.10 Td (of ) Tj ET Q q 0 0 0 rg BT 294.44 425.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 319.26 425.10 Td (T) Tj ET Q q 0 0 0 rg BT 325.02 425.10 Td (rial ) Tj ET Q q 0 0 0 rg BT 340.84 425.10 Td (is ) Tj ET Q q 0 0 0 rg BT 350.01 425.10 Td (scheduled ) Tj ET Q q 0 0 0 rg BT 392.50 425.10 Td (for ) Tj ET Q q 0 0 0 rg BT 406.66 425.10 Td (October ) Tj ET Q q 0 0 0 rg BT 441.37 425.10 Td (2018.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 407.10 Td (On ) Tj ET Q q 0 0 0 rg BT 63.47 407.10 Td (April ) Tj ET Q q 0 0 0 rg BT 86.83 407.10 Td (2, ) Tj ET Q q 0 0 0 rg BT 96.58 407.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 121.33 407.10 Td (MicroCapital ) Tj ET Q q 0 0 0 rg BT 176.90 407.10 Td (Fund, ) Tj ET Q q 0 0 0 rg BT 202.21 407.10 Td (LP) Tj ET Q q 0 0 0 rg BT 212.77 407.10 Td (, ) Tj ET Q q 0 0 0 rg BT 217.52 407.10 Td (MicroCapital ) Tj ET Q q 0 0 0 rg BT 273.09 407.10 Td (Fund ) Tj ET Q q 0 0 0 rg BT 295.90 407.10 Td (Ltd, ) Tj ET Q q 0 0 0 rg BT 314.53 407.10 Td (and ) Tj ET Q q 0 0 0 rg BT 331.22 407.10 Td (MicroCapital ) Tj ET Q q 0 0 0 rg BT 386.79 407.10 Td (LLC ) Tj ET Q q 0 0 0 rg BT 407.92 407.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 428.50 407.10 Td (a ) Tj ET Q q 0 0 0 rg BT 435.18 407.10 Td (lawsuit ) Tj ET Q q 0 0 0 rg BT 466.32 407.10 Td (against ) Tj ET Q q 0 0 0 rg BT 496.89 407.10 Td (us ) Tj ET Q q 0 0 0 rg BT 508.03 407.10 Td (and ) Tj ET Q q 0 0 0 rg BT 524.72 407.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 554.17 407.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 395.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.72 395.10 Td (former ) Tj ET Q q 0 0 0 rg BT 95.82 395.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 137.03 395.10 Td (of) Tj ET Q q 0 0 0 rg BT 145.18 395.10 Td (ficers ) Tj ET Q q 0 0 0 rg BT 170.28 395.10 Td (in ) Tj ET Q q 0 0 0 rg BT 180.95 395.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.06 395.10 Td (United ) Tj ET Q q 0 0 0 rg BT 226.17 395.10 Td (States ) Tj ET Q q 0 0 0 rg BT 252.95 395.10 Td (District ) Tj ET Q q 0 0 0 rg BT 285.84 395.10 Td (Court ) Tj ET Q q 0 0 0 rg BT 311.51 395.10 Td (for ) Tj ET Q q 0 0 0 rg BT 326.06 395.10 Td (the ) Tj ET Q q 0 0 0 rg BT 341.17 395.10 Td (Southern ) Tj ET Q q 0 0 0 rg BT 380.17 395.10 Td (District ) Tj ET Q q 0 0 0 rg BT 413.06 395.10 Td (of ) Tj ET Q q 0 0 0 rg BT 424.07 395.10 Td (T) Tj ET Q q 0 0 0 rg BT 429.48 395.10 Td (exas, ) Tj ET Q q 0 0 0 rg BT 452.65 395.10 Td (Cause ) Tj ET Q q 0 0 0 rg BT 479.98 395.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 497.59 395.10 Td (4:18-CV) Tj ET Q q 0 0 0 rg BT 531.67 395.10 Td (-01020. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 383.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.03 383.10 Td (plaintif) Tj ET Q q 0 0 0 rg BT 96.73 383.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 106.94 383.10 Td (in ) Tj ET Q q 0 0 0 rg BT 117.70 383.10 Td (this ) Tj ET Q q 0 0 0 rg BT 135.13 383.10 Td (action ) Tj ET Q q 0 0 0 rg BT 162.55 383.10 Td (allege ) Tj ET Q q 0 0 0 rg BT 189.40 383.10 Td (that ) Tj ET Q q 0 0 0 rg BT 207.38 383.10 Td (the ) Tj ET Q q 0 0 0 rg BT 222.58 383.10 Td (defendants ) Tj ET Q q 0 0 0 rg BT 268.88 383.10 Td (made ) Tj ET Q q 0 0 0 rg BT 293.52 383.10 Td (false ) Tj ET Q q 0 0 0 rg BT 315.38 383.10 Td (and ) Tj ET Q q 0 0 0 rg BT 332.80 383.10 Td (misleading ) Tj ET Q q 0 0 0 rg BT 379.67 383.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 424.86 383.10 Td (or ) Tj ET Q q 0 0 0 rg BT 436.17 383.10 Td (failed ) Tj ET Q q 0 0 0 rg BT 461.92 383.10 Td (to ) Tj ET Q q 0 0 0 rg BT 472.68 383.10 Td (disclose ) Tj ET Q q 0 0 0 rg BT 507.88 383.10 Td (material ) Tj ET Q q 0 0 0 rg BT 543.63 383.10 Td (facts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 371.10 Td (about ) Tj ET Q q 0 0 0 rg BT 74.72 371.10 Td (our ) Tj ET Q q 0 0 0 rg BT 91.05 371.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 116.82 371.10 Td (and ) Tj ET Q q 0 0 0 rg BT 134.26 371.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 188.92 371.10 Td (practices, ) Tj ET Q q 0 0 0 rg BT 229.95 371.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 276.83 371.10 Td (and ) Tj ET Q q 0 0 0 rg BT 294.27 371.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 327.82 371.10 Td (controls. ) Tj ET Q q 0 0 0 rg BT 368.04 371.10 Td (Plaintif) Tj ET Q q 0 0 0 rg BT 397.30 371.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 407.52 371.10 Td (allege ) Tj ET Q q 0 0 0 rg BT 434.40 371.10 Td (violations ) Tj ET Q q 0 0 0 rg BT 476.84 371.10 Td (of ) Tj ET Q q 0 0 0 rg BT 488.18 371.10 Td (sections ) Tj ET Q q 0 0 0 rg BT 523.40 371.10 Td (10\(b\) ) Tj ET Q q 0 0 0 rg BT 548.06 371.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 359.10 Td (20\(a\) ) Tj ET Q q 0 0 0 rg BT 72.79 359.10 Td (of ) Tj ET Q q 0 0 0 rg BT 83.30 359.10 Td (the ) Tj ET Q q 0 0 0 rg BT 97.71 359.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 139.33 359.10 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 180.45 359.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 197.08 359.10 Td (of ) Tj ET Q q 0 0 0 rg BT 207.59 359.10 Td (1934 ) Tj ET Q q 0 0 0 rg BT 229.78 359.10 Td (and ) Tj ET Q q 0 0 0 rg BT 246.41 359.10 Td (Rule ) Tj ET Q q 0 0 0 rg BT 267.48 359.10 Td (10b-5 ) Tj ET Q q 0 0 0 rg BT 293.00 359.10 Td (promulgated ) Tj ET Q q 0 0 0 rg BT 345.72 359.10 Td (thereunder) Tj ET Q q 0 0 0 rg BT 388.08 359.10 Td (, ) Tj ET Q q 0 0 0 rg BT 392.61 359.10 Td (T) Tj ET Q q 0 0 0 rg BT 398.02 359.10 Td (exas ) Tj ET Q q 0 0 0 rg BT 417.97 359.10 Td (and ) Tj ET Q q 0 0 0 rg BT 434.60 359.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 485.10 359.10 Td (common ) Tj ET Q q 0 0 0 rg BT 522.28 359.10 Td (law ) Tj ET Q q 0 0 0 rg BT 538.91 359.10 Td (fraud, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 347.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.06 347.10 Td (T) Tj ET Q q 0 0 0 rg BT 71.47 347.10 Td (exas ) Tj ET Q q 0 0 0 rg BT 91.53 347.10 Td (common ) Tj ET Q q 0 0 0 rg BT 128.81 347.10 Td (law ) Tj ET Q q 0 0 0 rg BT 145.54 347.10 Td (negligent ) Tj ET Q q 0 0 0 rg BT 185.04 347.10 Td (misrepresentation ) Tj ET Q q 0 0 0 rg BT 258.42 347.10 Td (against ) Tj ET Q q 0 0 0 rg BT 289.03 347.10 Td (all ) Tj ET Q q 0 0 0 rg BT 301.32 347.10 Td (defendants; ) Tj ET Q q 0 0 0 rg BT 349.70 347.10 Td (as ) Tj ET Q q 0 0 0 rg BT 360.32 347.10 Td (well ) Tj ET Q q 0 0 0 rg BT 379.83 347.10 Td (section ) Tj ET Q q 0 0 0 rg BT 410.44 347.10 Td (20A) Tj ET Q q 0 0 0 rg BT 427.11 347.10 Td ( ) Tj ET Q q 0 0 0 rg BT 429.40 347.10 Td (of ) Tj ET Q q 0 0 0 rg BT 440.02 347.10 Td (the ) Tj ET Q q 0 0 0 rg BT 454.52 347.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 496.25 347.10 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 537.46 347.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 554.18 347.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 335.10 Td (1934; ) Tj ET Q q 0 0 0 rg BT 75.27 335.10 Td (and ) Tj ET Q q 0 0 0 rg BT 92.70 335.10 Td (Connecticut ) Tj ET Q q 0 0 0 rg BT 144.01 335.10 Td (common ) Tj ET Q q 0 0 0 rg BT 181.99 335.10 Td (law ) Tj ET Q q 0 0 0 rg BT 199.42 335.10 Td (negligent ) Tj ET Q q 0 0 0 rg BT 239.62 335.10 Td (misrepresentation ) Tj ET Q q 0 0 0 rg BT 313.70 335.10 Td (against ) Tj ET Q q 0 0 0 rg BT 345.01 335.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 375.21 335.10 Td (defendants ) Tj ET Q q 0 0 0 rg BT 421.51 335.10 Td (arising ) Tj ET Q q 0 0 0 rg BT 451.72 335.10 Td (from ) Tj ET Q q 0 0 0 rg BT 474.15 335.10 Td (plaintif) Tj ET Q q 0 0 0 rg BT 502.85 335.10 Td (fs) Tj ET Q q 0 0 0 rg BT 512.66 335.10 Td ( ) Tj ET Q q 0 0 0 rg BT 515.65 335.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 554.17 335.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 323.10 Td (Conn) Tj ET Q q 0 0 0 rg BT 73.95 323.10 Td (s, ) Tj ET Q q 0 0 0 rg BT 83.45 323.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 101.82 323.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 142.69 323.10 Td (between ) Tj ET Q q 0 0 0 rg BT 178.43 323.10 Td (April ) Tj ET Q q 0 0 0 rg BT 202.64 323.10 Td (3, ) Tj ET Q q 0 0 0 rg BT 213.25 323.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 236.36 323.10 Td (and ) Tj ET Q q 0 0 0 rg BT 253.90 323.10 Td (February ) Tj ET Q q 0 0 0 rg BT 293.11 323.10 Td (20, ) Tj ET Q q 0 0 0 rg BT 308.72 323.10 Td (2014. ) Tj ET Q q 0 0 0 rg BT 336.60 323.10 Td (The ) Tj ET Q q 0 0 0 rg BT 355.25 323.10 Td (complaint ) Tj ET Q q 0 0 0 rg BT 398.35 323.10 Td (does ) Tj ET Q q 0 0 0 rg BT 419.79 323.10 Td (not ) Tj ET Q q 0 0 0 rg BT 435.67 323.10 Td (specify ) Tj ET Q q 0 0 0 rg BT 467.66 323.10 Td (the ) Tj ET Q q 0 0 0 rg BT 482.98 323.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 516.08 323.10 Td (of ) Tj ET Q q 0 0 0 rg BT 527.52 323.10 Td (damages ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 311.10 Td (sought.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 293.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 293.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.86 293.10 Td (intend ) Tj ET Q q 0 0 0 rg BT 94.14 293.10 Td (to ) Tj ET Q q 0 0 0 rg BT 105.20 293.10 Td (vigorously ) Tj ET Q q 0 0 0 rg BT 151.26 293.10 Td (defend ) Tj ET Q q 0 0 0 rg BT 181.75 293.10 Td (against ) Tj ET Q q 0 0 0 rg BT 213.36 293.10 Td (all ) Tj ET Q q 0 0 0 rg BT 226.63 293.10 Td (of ) Tj ET Q q 0 0 0 rg BT 238.25 293.10 Td (the ) Tj ET Q q 0 0 0 rg BT 253.75 293.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 283.13 293.10 Td (in ) Tj ET Q q 0 0 0 rg BT 294.19 293.10 Td (the ) Tj ET Q q 0 0 0 rg BT 309.69 293.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 365.75 293.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 407.74 293.10 Td (Action ) Tj ET Q q 0 0 0 rg BT 438.24 293.10 Td (and ) Tj ET Q q 0 0 0 rg BT 455.96 293.10 Td (MicroCapital ) Tj ET Q q 0 0 0 rg BT 512.56 293.10 Td (Fund ) Tj ET Q q 0 0 0 rg BT 536.41 293.10 Td (claims ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 281.10 Td (against ) Tj ET Q q 0 0 0 rg BT 79.64 281.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 92.84 281.10 Td ( ) Tj ET Q q 0 0 0 rg BT 94.66 281.10 Td (It ) Tj ET Q q 0 0 0 rg BT 102.58 281.10 Td (is ) Tj ET Q q 0 0 0 rg BT 111.06 281.10 Td (not ) Tj ET Q q 0 0 0 rg BT 125.66 281.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 160.25 281.10 Td (at ) Tj ET Q q 0 0 0 rg BT 169.28 281.10 Td (this ) Tj ET Q q 0 0 0 rg BT 185.54 281.10 Td (time ) Tj ET Q q 0 0 0 rg BT 205.13 281.10 Td (to ) Tj ET Q q 0 0 0 rg BT 214.72 281.10 Td (predict ) Tj ET Q q 0 0 0 rg BT 244.30 281.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.33 281.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 286.26 281.10 Td (or ) Tj ET Q q 0 0 0 rg BT 296.40 281.10 Td (outcome ) Tj ET Q q 0 0 0 rg BT 332.65 281.10 Td (of ) Tj ET Q q 0 0 0 rg BT 342.79 281.10 Td (any ) Tj ET Q q 0 0 0 rg BT 359.05 281.10 Td (of ) Tj ET Q q 0 0 0 rg BT 369.19 281.10 Td (this ) Tj ET Q q 0 0 0 rg BT 385.45 281.10 Td (litigation, ) Tj ET Q q 0 0 0 rg BT 425.87 281.10 Td (and ) Tj ET Q q 0 0 0 rg BT 442.13 281.10 Td (we ) Tj ET Q q 0 0 0 rg BT 455.60 281.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 484.07 281.10 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 529.20 281.10 Td (estimate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 269.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.22 269.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 99.50 269.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 117.56 269.10 Td (or ) Tj ET Q q 0 0 0 rg BT 128.39 269.10 Td (range ) Tj ET Q q 0 0 0 rg BT 153.09 269.10 Td (of ) Tj ET Q q 0 0 0 rg BT 163.92 269.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 199.20 269.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 217.26 269.10 Td (from ) Tj ET Q q 0 0 0 rg BT 239.20 269.10 Td (these ) Tj ET Q q 0 0 0 rg BT 262.25 269.10 Td (claims.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 251.10 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 94.74 251.10 Td (Litigation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.81 251.10 Td ( ) Tj ET Q q 0 0 0 rg BT 140.85 251.10 Td (On ) Tj ET Q q 0 0 0 rg BT 156.11 251.10 Td (December ) Tj ET Q q 0 0 0 rg BT 200.24 251.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 210.78 251.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 236.32 251.10 Td (an ) Tj ET Q q 0 0 0 rg BT 248.80 251.10 Td (alleged ) Tj ET Q q 0 0 0 rg BT 280.72 251.10 Td (shareholder) Tj ET Q q 0 0 0 rg BT 326.96 251.10 Td (, ) Tj ET Q q 0 0 0 rg BT 332.50 251.10 Td (purportedly ) Tj ET Q q 0 0 0 rg BT 382.20 251.10 Td (on ) Tj ET Q q 0 0 0 rg BT 395.24 251.10 Td (behalf ) Tj ET Q q 0 0 0 rg BT 423.27 251.10 Td (of ) Tj ET Q q 0 0 0 rg BT 434.64 251.10 Td (the ) Tj ET Q q 0 0 0 rg BT 449.90 251.10 Td (Company) Tj ET Q q 0 0 0 rg BT 488.14 251.10 Td (, ) Tj ET Q q 0 0 0 rg BT 493.68 251.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 515.05 251.10 Td (a ) Tj ET Q q 0 0 0 rg BT 522.53 251.10 Td (derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 239.10 Td (shareholder ) Tj ET Q q 0 0 0 rg BT 98.12 239.10 Td (lawsuit ) Tj ET Q q 0 0 0 rg BT 128.99 239.10 Td (against ) Tj ET Q q 0 0 0 rg BT 159.29 239.10 Td (us ) Tj ET Q q 0 0 0 rg BT 170.16 239.10 Td (and ) Tj ET Q q 0 0 0 rg BT 186.57 239.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 215.75 239.10 Td (of ) Tj ET Q q 0 0 0 rg BT 226.06 239.10 Td (our ) Tj ET Q q 0 0 0 rg BT 241.36 239.10 Td (current ) Tj ET Q q 0 0 0 rg BT 271.65 239.10 Td (and ) Tj ET Q q 0 0 0 rg BT 288.07 239.10 Td (former ) Tj ET Q q 0 0 0 rg BT 317.25 239.10 Td (directors ) Tj ET Q q 0 0 0 rg BT 354.21 239.10 Td (and ) Tj ET Q q 0 0 0 rg BT 370.63 239.10 Td (former ) Tj ET Q q 0 0 0 rg BT 399.81 239.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 440.10 239.10 Td (of) Tj ET Q q 0 0 0 rg BT 448.25 239.10 Td (ficers ) Tj ET Q q 0 0 0 rg BT 472.43 239.10 Td (in ) Tj ET Q q 0 0 0 rg BT 482.19 239.10 Td (the ) Tj ET Q q 0 0 0 rg BT 496.38 239.10 Td (Court, ) Tj ET Q q 0 0 0 rg BT 523.64 239.10 Td (captioned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 227.10 Td (as ) Tj ET Q q 0 0 0 rg BT 59.96 227.10 Td (Robert ) Tj ET Q q 0 0 0 rg BT 89.30 227.10 Td (Hack, ) Tj ET Q q 0 0 0 rg BT 115.03 227.10 Td (derivatively ) Tj ET Q q 0 0 0 rg BT 164.92 227.10 Td (on ) Tj ET Q q 0 0 0 rg BT 177.04 227.10 Td (behalf ) Tj ET Q q 0 0 0 rg BT 204.16 227.10 Td (of ) Tj ET Q q 0 0 0 rg BT 214.62 227.10 Td (Conn's, ) Tj ET Q q 0 0 0 rg BT 246.61 227.10 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 266.50 227.10 Td (v) Tj ET Q q 0 0 0 rg BT 270.85 227.10 Td (. ) Tj ET Q q 0 0 0 rg BT 275.33 227.10 Td (Theodore ) Tj ET Q q 0 0 0 rg BT 315.77 227.10 Td (M. ) Tj ET Q q 0 0 0 rg BT 329.14 227.10 Td (W) Tj ET Q q 0 0 0 rg BT 338.17 227.10 Td (right ) Tj ET Q q 0 0 0 rg BT 359.19 227.10 Td (\(former ) Tj ET Q q 0 0 0 rg BT 391.85 227.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 432.29 227.10 Td (of) Tj ET Q q 0 0 0 rg BT 440.44 227.10 Td (ficer ) Tj ET Q q 0 0 0 rg BT 460.89 227.10 Td (and ) Tj ET Q q 0 0 0 rg BT 477.45 227.10 Td (former ) Tj ET Q q 0 0 0 rg BT 506.79 227.10 Td (director\), ) Tj ET Q q 0 0 0 rg BT 545.84 227.10 Td (Bob ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 215.10 Td (L. ) Tj ET Q q 0 0 0 rg BT 60.16 215.10 Td (Martin, ) Tj ET Q q 0 0 0 rg BT 91.92 215.10 Td (Jon ) Tj ET Q q 0 0 0 rg BT 107.86 215.10 Td (E.M. ) Tj ET Q q 0 0 0 rg BT 129.91 215.10 Td (Jacoby ) Tj ET Q q 0 0 0 rg BT 159.73 215.10 Td (\(former ) Tj ET Q q 0 0 0 rg BT 192.31 215.10 Td (director\), ) Tj ET Q q 0 0 0 rg BT 231.28 215.10 Td (Kelly ) Tj ET Q q 0 0 0 rg BT 255.55 215.10 Td (M. ) Tj ET Q q 0 0 0 rg BT 268.99 215.10 Td (Malson, ) Tj ET Q q 0 0 0 rg BT 303.54 215.10 Td (Douglas ) Tj ET Q q 0 0 0 rg BT 338.92 215.10 Td (H. ) Tj ET Q q 0 0 0 rg BT 350.69 215.10 Td (Martin, ) Tj ET Q q 0 0 0 rg BT 382.45 215.10 Td (David ) Tj ET Q q 0 0 0 rg BT 408.94 215.10 Td (Schofman, ) Tj ET Q q 0 0 0 rg BT 454.03 215.10 Td (Scott ) Tj ET Q q 0 0 0 rg BT 476.64 215.10 Td (L. ) Tj ET Q q 0 0 0 rg BT 487.15 215.10 Td (Thompson ) Tj ET Q q 0 0 0 rg BT 531.97 215.10 Td (\(former ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 203.10 Td (director\), ) Tj ET Q q 0 0 0 rg BT 88.36 203.10 Td (Brian ) Tj ET Q q 0 0 0 rg BT 112.37 203.10 Td (T) Tj ET Q q 0 0 0 rg BT 117.78 203.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 140.26 203.10 Td (\(former ) Tj ET Q q 0 0 0 rg BT 172.73 203.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 212.98 203.10 Td (of) Tj ET Q q 0 0 0 rg BT 221.13 203.10 Td (ficer\) ) Tj ET Q q 0 0 0 rg BT 244.71 203.10 Td (and ) Tj ET Q q 0 0 0 rg BT 261.08 203.10 Td (Michael ) Tj ET Q q 0 0 0 rg BT 295.78 203.10 Td (J. ) Tj ET Q q 0 0 0 rg BT 304.11 203.10 Td (Poppe ) Tj ET Q q 0 0 0 rg BT 331.04 203.10 Td (\(former ) Tj ET Q q 0 0 0 rg BT 363.52 203.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 403.76 203.10 Td (of) Tj ET Q q 0 0 0 rg BT 411.91 203.10 Td (ficer\) ) Tj ET Q q 0 0 0 rg BT 435.49 203.10 Td (and ) Tj ET Q q 0 0 0 rg BT 451.87 203.10 Td (Conn's, ) Tj ET Q q 0 0 0 rg BT 483.66 203.10 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 503.37 203.10 Td (Case ) Tj ET Q q 0 0 0 rg BT 524.74 203.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 541.40 203.10 Td (4:14-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 191.10 Td (cv-03442 ) Tj ET Q q 0 0 0 rg BT 89.77 191.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 107.81 191.10 Td ("Original ) Tj ET Q q 0 0 0 rg BT 147.72 191.10 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 191.87 191.10 Td (Action"\). ) Tj ET Q q 0 0 0 rg BT 231.32 191.10 Td (The ) Tj ET Q q 0 0 0 rg BT 249.36 191.10 Td (complaint ) Tj ET Q q 0 0 0 rg BT 291.85 191.10 Td (asserts ) Tj ET Q q 0 0 0 rg BT 321.01 191.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 349.61 191.10 Td (for ) Tj ET Q q 0 0 0 rg BT 363.77 191.10 Td (breach ) Tj ET Q q 0 0 0 rg BT 392.92 191.10 Td (of ) Tj ET Q q 0 0 0 rg BT 403.75 191.10 Td (fiduciary ) Tj ET Q q 0 0 0 rg BT 442.34 191.10 Td (duty) Tj ET Q q 0 0 0 rg BT 459.47 191.10 Td (, ) Tj ET Q q 0 0 0 rg BT 464.47 191.10 Td (unjust ) Tj ET Q q 0 0 0 rg BT 491.41 191.10 Td (enrichment, ) Tj ET Q q 0 0 0 rg BT 541.39 191.10 Td (gross ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 179.10 Td (mismanagement, ) Tj ET Q q 0 0 0 rg BT 121.47 179.10 Td (and ) Tj ET Q q 0 0 0 rg BT 139.84 179.10 Td (insider ) Tj ET Q q 0 0 0 rg BT 170.98 179.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 203.24 179.10 Td (based ) Tj ET Q q 0 0 0 rg BT 229.94 179.10 Td (on ) Tj ET Q q 0 0 0 rg BT 243.87 179.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 298.35 179.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 330.05 179.10 Td (factual ) Tj ET Q q 0 0 0 rg BT 361.19 179.10 Td (allegations ) Tj ET Q q 0 0 0 rg BT 408.44 179.10 Td (as ) Tj ET Q q 0 0 0 rg BT 420.70 179.10 Td (those ) Tj ET Q q 0 0 0 rg BT 445.73 179.10 Td (asserted ) Tj ET Q q 0 0 0 rg BT 481.87 179.10 Td (in ) Tj ET Q q 0 0 0 rg BT 493.58 179.10 Td (the ) Tj ET Q q 0 0 0 rg BT 509.73 179.10 Td (Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 167.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 90.30 167.10 Td (Action. ) Tj ET Q q 0 0 0 rg BT 121.65 167.10 Td (The ) Tj ET Q q 0 0 0 rg BT 138.95 167.10 Td (plaintif) Tj ET Q q 0 0 0 rg BT 167.65 167.10 Td (f ) Tj ET Q q 0 0 0 rg BT 172.74 167.10 Td (seeks ) Tj ET Q q 0 0 0 rg BT 196.16 167.10 Td (unspecified ) Tj ET Q q 0 0 0 rg BT 244.01 167.10 Td (damages ) Tj ET Q q 0 0 0 rg BT 280.75 167.10 Td (against ) Tj ET Q q 0 0 0 rg BT 310.83 167.10 Td (these ) Tj ET Q q 0 0 0 rg BT 333.14 167.10 Td (persons ) Tj ET Q q 0 0 0 rg BT 365.45 167.10 Td (and ) Tj ET Q q 0 0 0 rg BT 381.64 167.10 Td (does ) Tj ET Q q 0 0 0 rg BT 401.73 167.10 Td (not ) Tj ET Q q 0 0 0 rg BT 416.26 167.10 Td (request ) Tj ET Q q 0 0 0 rg BT 446.90 167.10 Td (any ) Tj ET Q q 0 0 0 rg BT 463.09 167.10 Td (damages ) Tj ET Q q 0 0 0 rg BT 499.83 167.10 Td (from ) Tj ET Q q 0 0 0 rg BT 521.03 167.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 534.18 167.10 Td (Setting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 155.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 72.50 155.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 126.62 155.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 157.96 155.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 187.63 155.10 Td (against ) Tj ET Q q 0 0 0 rg BT 219.51 155.10 Td (the ) Tj ET Q q 0 0 0 rg BT 235.30 155.10 Td (same ) Tj ET Q q 0 0 0 rg BT 259.41 155.10 Td (defendants, ) Tj ET Q q 0 0 0 rg BT 308.79 155.10 Td (on ) Tj ET Q q 0 0 0 rg BT 322.35 155.10 Td (February ) Tj ET Q q 0 0 0 rg BT 362.01 155.10 Td (25, ) Tj ET Q q 0 0 0 rg BT 378.08 155.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 404.14 155.10 Td (an ) Tj ET Q q 0 0 0 rg BT 417.15 155.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 460.70 155.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 492.02 155.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 535.56 155.10 Td (action, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 143.10 Td (captioned ) Tj ET Q q 0 0 0 rg BT 90.71 143.10 Td (95250 ) Tj ET Q q 0 0 0 rg BT 118.05 143.10 Td (Canada ) Tj ET Q q 0 0 0 rg BT 150.38 143.10 Td (L) Tj ET Q q 0 0 0 rg BT 155.57 143.10 Td (TEE, ) Tj ET Q q 0 0 0 rg BT 178.73 143.10 Td (derivatively ) Tj ET Q q 0 0 0 rg BT 228.83 143.10 Td (on ) Tj ET Q q 0 0 0 rg BT 241.17 143.10 Td (Behalf ) Tj ET Q q 0 0 0 rg BT 270.17 143.10 Td (of ) Tj ET Q q 0 0 0 rg BT 280.84 143.10 Td (Conn's, ) Tj ET Q q 0 0 0 rg BT 313.04 143.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 330.65 143.10 Td (v) Tj ET Q q 0 0 0 rg BT 335.00 143.10 Td (. ) Tj ET Q q 0 0 0 rg BT 339.67 143.10 Td (W) Tj ET Q q 0 0 0 rg BT 348.71 143.10 Td (right ) Tj ET Q q 0 0 0 rg BT 369.94 143.10 Td (et ) Tj ET Q q 0 0 0 rg BT 379.50 143.10 Td (al., ) Tj ET Q q 0 0 0 rg BT 394.05 143.10 Td (Cause ) Tj ET Q q 0 0 0 rg BT 420.83 143.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 437.89 143.10 Td (4:15-cv-00521, ) Tj ET Q q 0 0 0 rg BT 501.61 143.10 Td (was ) Tj ET Q q 0 0 0 rg BT 519.50 143.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 540.17 143.10 Td (in ) Tj ET Q q 0 0 0 rg BT 550.29 143.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 131.10 Td (Court, ) Tj ET Q q 0 0 0 rg BT 77.28 131.10 Td (which ) Tj ET Q q 0 0 0 rg BT 104.22 131.10 Td (has ) Tj ET Q q 0 0 0 rg BT 120.05 131.10 Td (been ) Tj ET Q q 0 0 0 rg BT 141.42 131.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 194.47 131.10 Td (with ) Tj ET Q q 0 0 0 rg BT 214.74 131.10 Td (the ) Tj ET Q q 0 0 0 rg BT 229.46 131.10 Td (Original ) Tj ET Q q 0 0 0 rg BT 265.29 131.10 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 309.44 131.10 Td (Action.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 113.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.72 113.10 Td (Court ) Tj ET Q q 0 0 0 rg BT 95.17 113.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 141.06 113.10 Td (approved ) Tj ET Q q 0 0 0 rg BT 181.94 113.10 Td (a ) Tj ET Q q 0 0 0 rg BT 190.05 113.10 Td (stipulation ) Tj ET Q q 0 0 0 rg BT 235.95 113.10 Td (among ) Tj ET Q q 0 0 0 rg BT 266.84 113.10 Td (the ) Tj ET Q q 0 0 0 rg BT 282.73 113.10 Td (parties ) Tj ET Q q 0 0 0 rg BT 313.06 113.10 Td (to ) Tj ET Q q 0 0 0 rg BT 324.51 113.10 Td (stay ) Tj ET Q q 0 0 0 rg BT 344.29 113.10 Td (the ) Tj ET Q q 0 0 0 rg BT 360.18 113.10 Td (action ) Tj ET Q q 0 0 0 rg BT 388.29 113.10 Td (pending ) Tj ET Q q 0 0 0 rg BT 424.18 113.10 Td (resolution ) Tj ET Q q 0 0 0 rg BT 467.85 113.10 Td (of ) Tj ET Q q 0 0 0 rg BT 479.85 113.10 Td (the ) Tj ET Q q 0 0 0 rg BT 495.74 113.10 Td (motion ) Tj ET Q q 0 0 0 rg BT 527.75 113.10 Td (for ) Tj ET Q q 0 0 0 rg BT 543.08 113.10 Td (class ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 101.10 Td (certification ) Tj ET Q q 0 0 0 rg BT 100.23 101.10 Td (in ) Tj ET Q q 0 0 0 rg BT 110.44 101.10 Td (the ) Tj ET Q q 0 0 0 rg BT 125.09 101.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 180.29 101.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 221.62 101.10 Td (Action. ) Tj ET Q q 0 0 0 rg BT 253.76 101.10 Td ( ) Tj ET Q q 0 0 0 rg BT 256.02 101.10 Td (The ) Tj ET Q q 0 0 0 rg BT 273.99 101.10 Td (parties ) Tj ET Q q 0 0 0 rg BT 303.08 101.10 Td (have ) Tj ET Q q 0 0 0 rg BT 324.38 101.10 Td (agreed ) Tj ET Q q 0 0 0 rg BT 353.46 101.10 Td (to ) Tj ET Q q 0 0 0 rg BT 363.67 101.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 400.53 101.10 Td (the ) Tj ET Q q 0 0 0 rg BT 415.17 101.10 Td (stay ) Tj ET Q q 0 0 0 rg BT 433.71 101.10 Td (pending ) Tj ET Q q 0 0 0 rg BT 468.36 101.10 Td (a ) Tj ET Q q 0 0 0 rg BT 475.23 101.10 Td (resolution ) Tj ET Q q 0 0 0 rg BT 517.65 101.10 Td (of ) Tj ET Q q 0 0 0 rg BT 528.41 101.10 Td (the ) Tj ET Q q 0 0 0 rg BT 543.06 101.10 Td (Fifth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 89.10 Td (Circuit ) Tj ET Q q 0 0 0 rg BT 79.77 89.10 Td (appeal ) Tj ET Q q 0 0 0 rg BT 108.37 89.10 Td (of ) Tj ET Q q 0 0 0 rg BT 119.20 89.10 Td (class ) Tj ET Q q 0 0 0 rg BT 141.14 89.10 Td (certification, ) Tj ET Q q 0 0 0 rg BT 194.44 89.10 Td (and ) Tj ET Q q 0 0 0 rg BT 211.38 89.10 Td (the ) Tj ET Q q 0 0 0 rg BT 226.10 89.10 Td (Court ) Tj ET Q q 0 0 0 rg BT 251.38 89.10 Td (has ) Tj ET Q q 0 0 0 rg BT 267.21 89.10 Td (scheduled ) Tj ET Q q 0 0 0 rg BT 309.69 89.10 Td (a ) Tj ET Q q 0 0 0 rg BT 316.63 89.10 Td (status ) Tj ET Q q 0 0 0 rg BT 341.91 89.10 Td (conference ) Tj ET Q q 0 0 0 rg BT 388.26 89.10 Td (for ) Tj ET Q q 0 0 0 rg BT 401.87 89.10 Td (April ) Tj ET Q q 0 0 0 rg BT 425.48 89.10 Td (10, ) Tj ET Q q 0 0 0 rg BT 440.48 89.10 Td (2018.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 65.10 Td (Another ) Tj ET Q q 0 0 0 rg BT 84.72 65.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 127.16 65.10 Td (action ) Tj ET Q q 0 0 0 rg BT 154.04 65.10 Td (was ) Tj ET Q q 0 0 0 rg BT 172.05 65.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 192.83 65.10 Td (on ) Tj ET Q q 0 0 0 rg BT 205.28 65.10 Td (January ) Tj ET Q q 0 0 0 rg BT 238.83 65.10 Td (27, ) Tj ET Q q 0 0 0 rg BT 253.79 65.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 278.74 65.10 Td (captioned ) Tj ET Q q 0 0 0 rg BT 320.07 65.10 Td (as ) Tj ET Q q 0 0 0 rg BT 330.85 65.10 Td (Richard ) Tj ET Q q 0 0 0 rg BT 364.42 65.10 Td (A. ) Tj ET Q q 0 0 0 rg BT 376.59 65.10 Td (Dohn ) Tj ET Q q 0 0 0 rg BT 401.27 65.10 Td (v) Tj ET Q q 0 0 0 rg BT 405.62 65.10 Td (. ) Tj ET Q q 0 0 0 rg BT 410.40 65.10 Td (W) Tj ET Q q 0 0 0 rg BT 419.43 65.10 Td (right, ) Tj ET Q q 0 0 0 rg BT 443.27 65.10 Td (et ) Tj ET Q q 0 0 0 rg BT 452.94 65.10 Td (al., ) Tj ET Q q 0 0 0 rg BT 467.61 65.10 Td (Cause ) Tj ET Q q 0 0 0 rg BT 494.51 65.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 511.68 65.10 Td (2015-04405, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 53.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.85 53.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.65 53.10 Td (281st ) Tj ET Q q 0 0 0 rg BT 101.89 53.10 Td (Judicial ) Tj ET Q q 0 0 0 rg BT 136.57 53.10 Td (District ) Tj ET Q q 0 0 0 rg BT 170.14 53.10 Td (Court, ) Tj ET Q q 0 0 0 rg BT 199.00 53.10 Td (Harris ) Tj ET Q q 0 0 0 rg BT 227.56 53.10 Td (County) Tj ET Q q 0 0 0 rg BT 256.36 53.10 Td (, ) Tj ET Q q 0 0 0 rg BT 262.18 53.10 Td (T) Tj ET Q q 0 0 0 rg BT 267.59 53.10 Td (exas. ) Tj ET Q q 0 0 0 rg BT 291.17 53.10 Td (This ) Tj ET Q q 0 0 0 rg BT 312.53 53.10 Td (action ) Tj ET Q q 0 0 0 rg BT 340.54 53.10 Td (makes ) Tj ET Q q 0 0 0 rg BT 369.66 53.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 423.79 53.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 455.14 53.10 Td (allegations ) Tj ET Q q 0 0 0 rg BT 502.03 53.10 Td (to ) Tj ET Q q 0 0 0 rg BT 513.39 53.10 Td (the ) Tj ET Q q 0 0 0 rg BT 529.18 53.10 Td (Original ) Tj ET Q endstream endobj 169 0 obj <>] /Rotate 0 /Contents 170 0 R>> endobj 170 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (83) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 731.10 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 92.74 731.10 Td (Action ) Tj ET Q q 0 0 0 rg BT 121.30 731.10 Td (against ) Tj ET Q q 0 0 0 rg BT 150.96 731.10 Td (the ) Tj ET Q q 0 0 0 rg BT 164.52 731.10 Td (same ) Tj ET Q q 0 0 0 rg BT 186.40 731.10 Td (defendants. ) Tj ET Q q 0 0 0 rg BT 233.56 731.10 Td (On ) Tj ET Q q 0 0 0 rg BT 247.11 731.10 Td (September ) Tj ET Q q 0 0 0 rg BT 291.22 731.10 Td (14, ) Tj ET Q q 0 0 0 rg BT 305.05 731.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 328.89 731.10 Td (the ) Tj ET Q q 0 0 0 rg BT 342.45 731.10 Td (court ) Tj ET Q q 0 0 0 rg BT 364.33 731.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 395.09 731.10 Td (an ) Tj ET Q q 0 0 0 rg BT 405.87 731.10 Td (order ) Tj ET Q q 0 0 0 rg BT 428.31 731.10 Td (extending ) Tj ET Q q 0 0 0 rg BT 469.08 731.10 Td (the ) Tj ET Q q 0 0 0 rg BT 482.63 731.10 Td (stay ) Tj ET Q q 0 0 0 rg BT 500.08 731.10 Td (until ) Tj ET Q q 0 0 0 rg BT 519.75 731.10 Td (September ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 719.10 Td (7, ) Tj ET Q q 0 0 0 rg BT 59.57 719.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 84.63 719.10 Td (Prior ) Tj ET Q q 0 0 0 rg BT 107.20 719.10 Td (to ) Tj ET Q q 0 0 0 rg BT 117.54 719.10 Td (filing ) Tj ET Q q 0 0 0 rg BT 141.77 719.10 Td (a ) Tj ET Q q 0 0 0 rg BT 148.78 719.10 Td (lawsuit, ) Tj ET Q q 0 0 0 rg BT 182.73 719.10 Td (an ) Tj ET Q q 0 0 0 rg BT 194.73 719.10 Td (alleged ) Tj ET Q q 0 0 0 rg BT 226.17 719.10 Td (shareholder) Tj ET Q q 0 0 0 rg BT 272.42 719.10 Td (, ) Tj ET Q q 0 0 0 rg BT 277.48 719.10 Td (Robert ) Tj ET Q q 0 0 0 rg BT 307.27 719.10 Td (J. ) Tj ET Q q 0 0 0 rg BT 316.22 719.10 Td (Casey ) Tj ET Q q 0 0 0 rg BT 343.23 719.10 Td (II ) Tj ET Q q 0 0 0 rg BT 352.45 719.10 Td (\("Casey"\), ) Tj ET Q q 0 0 0 rg BT 396.78 719.10 Td (submitted ) Tj ET Q q 0 0 0 rg BT 438.79 719.10 Td (a ) Tj ET Q q 0 0 0 rg BT 445.80 719.10 Td (demand ) Tj ET Q q 0 0 0 rg BT 480.02 719.10 Td (under ) Tj ET Q q 0 0 0 rg BT 505.35 719.10 Td (Delaware ) Tj ET Q q 0 0 0 rg BT 546.22 719.10 Td (law) Tj ET Q q 0 0 0 rg BT 560.01 719.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 707.10 Td (which ) Tj ET Q q 0 0 0 rg BT 76.31 707.10 Td (our ) Tj ET Q q 0 0 0 rg BT 92.00 707.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 118.81 707.10 Td (of ) Tj ET Q q 0 0 0 rg BT 129.51 707.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 169.08 707.10 Td (refused. ) Tj ET Q q 0 0 0 rg BT 203.38 707.10 Td (On ) Tj ET Q q 0 0 0 rg BT 217.96 707.10 Td (May ) Tj ET Q q 0 0 0 rg BT 238.66 707.10 Td (19, ) Tj ET Q q 0 0 0 rg BT 253.53 707.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 278.40 707.10 Td (Casey) Tj ET Q q 0 0 0 rg BT 302.19 707.10 Td (, ) Tj ET Q q 0 0 0 rg BT 307.05 707.10 Td (purportedly ) Tj ET Q q 0 0 0 rg BT 356.08 707.10 Td (on ) Tj ET Q q 0 0 0 rg BT 368.44 707.10 Td (behalf ) Tj ET Q q 0 0 0 rg BT 395.79 707.10 Td (of ) Tj ET Q q 0 0 0 rg BT 406.49 707.10 Td (the ) Tj ET Q q 0 0 0 rg BT 421.08 707.10 Td (Company) Tj ET Q q 0 0 0 rg BT 459.31 707.10 Td (, ) Tj ET Q q 0 0 0 rg BT 464.18 707.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 484.87 707.10 Td (a ) Tj ET Q q 0 0 0 rg BT 491.68 707.10 Td (lawsuit ) Tj ET Q q 0 0 0 rg BT 522.93 707.10 Td (against ) Tj ET Q q 0 0 0 rg BT 553.63 707.10 Td (us ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 695.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.78 695.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 96.83 695.10 Td (of ) Tj ET Q q 0 0 0 rg BT 108.00 695.10 Td (our ) Tj ET Q q 0 0 0 rg BT 124.17 695.10 Td (current ) Tj ET Q q 0 0 0 rg BT 155.33 695.10 Td (and ) Tj ET Q q 0 0 0 rg BT 172.61 695.10 Td (former ) Tj ET Q q 0 0 0 rg BT 202.66 695.10 Td (directors ) Tj ET Q q 0 0 0 rg BT 240.49 695.10 Td (and ) Tj ET Q q 0 0 0 rg BT 257.77 695.10 Td (former ) Tj ET Q q 0 0 0 rg BT 287.83 695.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 328.98 695.10 Td (of) Tj ET Q q 0 0 0 rg BT 337.13 695.10 Td (ficers ) Tj ET Q q 0 0 0 rg BT 362.18 695.10 Td (in ) Tj ET Q q 0 0 0 rg BT 372.80 695.10 Td (the ) Tj ET Q q 0 0 0 rg BT 387.86 695.10 Td (55th ) Tj ET Q q 0 0 0 rg BT 408.48 695.10 Td (Judicial ) Tj ET Q q 0 0 0 rg BT 442.43 695.10 Td (District ) Tj ET Q q 0 0 0 rg BT 475.27 695.10 Td (Court, ) Tj ET Q q 0 0 0 rg BT 503.39 695.10 Td (Harris ) Tj ET Q q 0 0 0 rg BT 531.22 695.10 Td (County) Tj ET Q q 0 0 0 rg BT 560.02 695.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 683.10 Td (T) Tj ET Q q 0 0 0 rg BT 54.91 683.10 Td (exas, ) Tj ET Q q 0 0 0 rg BT 78.19 683.10 Td (captioned ) Tj ET Q q 0 0 0 rg BT 120.06 683.10 Td (as ) Tj ET Q q 0 0 0 rg BT 131.40 683.10 Td (Casey) Tj ET Q q 0 0 0 rg BT 155.19 683.10 Td (, ) Tj ET Q q 0 0 0 rg BT 160.70 683.10 Td (derivatively ) Tj ET Q q 0 0 0 rg BT 211.46 683.10 Td (on ) Tj ET Q q 0 0 0 rg BT 224.47 683.10 Td (behalf ) Tj ET Q q 0 0 0 rg BT 252.46 683.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.80 683.10 Td (Conn's, ) Tj ET Q q 0 0 0 rg BT 296.67 683.10 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 317.44 683.10 Td (v) Tj ET Q q 0 0 0 rg BT 321.79 683.10 Td (. ) Tj ET Q q 0 0 0 rg BT 327.08 683.10 Td (Theodore ) Tj ET Q q 0 0 0 rg BT 368.41 683.10 Td (M. ) Tj ET Q q 0 0 0 rg BT 382.59 683.10 Td (W) Tj ET Q q 0 0 0 rg BT 391.63 683.10 Td (right ) Tj ET Q q 0 0 0 rg BT 413.52 683.10 Td (\(former ) Tj ET Q q 0 0 0 rg BT 447.06 683.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 488.38 683.10 Td (of) Tj ET Q q 0 0 0 rg BT 496.53 683.10 Td (ficer ) Tj ET Q q 0 0 0 rg BT 517.85 683.10 Td (and ) Tj ET Q q 0 0 0 rg BT 535.30 683.10 Td (former ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 671.10 Td (director\), ) Tj ET Q q 0 0 0 rg BT 89.07 671.10 Td (Michael ) Tj ET Q q 0 0 0 rg BT 124.48 671.10 Td (J. ) Tj ET Q q 0 0 0 rg BT 133.52 671.10 Td (Poppe ) Tj ET Q q 0 0 0 rg BT 161.17 671.10 Td (\(former ) Tj ET Q q 0 0 0 rg BT 194.36 671.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 235.31 671.10 Td (of) Tj ET Q q 0 0 0 rg BT 243.46 671.10 Td (ficer\), ) Tj ET Q q 0 0 0 rg BT 270.26 671.10 Td (Brian ) Tj ET Q q 0 0 0 rg BT 294.93 671.10 Td (T) Tj ET Q q 0 0 0 rg BT 300.34 671.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 323.54 671.10 Td (\(former ) Tj ET Q q 0 0 0 rg BT 356.72 671.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 397.68 671.10 Td (of) Tj ET Q q 0 0 0 rg BT 405.83 671.10 Td (ficer\), ) Tj ET Q q 0 0 0 rg BT 432.62 671.10 Td (Bob ) Tj ET Q q 0 0 0 rg BT 451.94 671.10 Td (L. ) Tj ET Q q 0 0 0 rg BT 463.20 671.10 Td (Martin, ) Tj ET Q q 0 0 0 rg BT 495.56 671.10 Td (Jon ) Tj ET Q q 0 0 0 rg BT 512.10 671.10 Td (E.M. ) Tj ET Q q 0 0 0 rg BT 534.75 671.10 Td (Jacoby ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 659.10 Td (\(former ) Tj ET Q q 0 0 0 rg BT 82.82 659.10 Td (director\), ) Tj ET Q q 0 0 0 rg BT 122.52 659.10 Td (Kelly ) Tj ET Q q 0 0 0 rg BT 147.52 659.10 Td (M. ) Tj ET Q q 0 0 0 rg BT 161.69 659.10 Td (Malson, ) Tj ET Q q 0 0 0 rg BT 196.97 659.10 Td (Douglas ) Tj ET Q q 0 0 0 rg BT 233.08 659.10 Td (H. ) Tj ET Q q 0 0 0 rg BT 245.59 659.10 Td (Martin, ) Tj ET Q q 0 0 0 rg BT 278.08 659.10 Td (David ) Tj ET Q q 0 0 0 rg BT 305.30 659.10 Td (Schofman, ) Tj ET Q q 0 0 0 rg BT 351.13 659.10 Td (Scott ) Tj ET Q q 0 0 0 rg BT 374.47 659.10 Td (L. ) Tj ET Q q 0 0 0 rg BT 385.66 659.10 Td (Thompson ) Tj ET Q q 0 0 0 rg BT 431.22 659.10 Td (\(former ) Tj ET Q q 0 0 0 rg BT 464.53 659.10 Td (director\) ) Tj ET Q q 0 0 0 rg BT 501.74 659.10 Td (and ) Tj ET Q q 0 0 0 rg BT 518.76 659.10 Td (W) Tj ET Q q 0 0 0 rg BT 527.79 659.10 Td (illiam ) Tj ET Q q 0 0 0 rg BT 553.90 659.10 Td (E. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 647.10 Td (Saunders ) Tj ET Q q 0 0 0 rg BT 89.44 647.10 Td (Jr) Tj ET Q q 0 0 0 rg BT 96.11 647.10 Td (., ) Tj ET Q q 0 0 0 rg BT 104.39 647.10 Td (and ) Tj ET Q q 0 0 0 rg BT 122.11 647.10 Td (Conn's, ) Tj ET Q q 0 0 0 rg BT 155.25 647.10 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 176.30 647.10 Td (Cause ) Tj ET Q q 0 0 0 rg BT 204.02 647.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 222.02 647.10 Td (2016-33135. ) Tj ET Q q 0 0 0 rg BT 275.90 647.10 Td (The ) Tj ET Q q 0 0 0 rg BT 294.72 647.10 Td (complaint ) Tj ET Q q 0 0 0 rg BT 337.99 647.10 Td (asserts ) Tj ET Q q 0 0 0 rg BT 367.93 647.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 397.32 647.10 Td (for ) Tj ET Q q 0 0 0 rg BT 412.26 647.10 Td (breach ) Tj ET Q q 0 0 0 rg BT 442.18 647.10 Td (of ) Tj ET Q q 0 0 0 rg BT 453.79 647.10 Td (fiduciary ) Tj ET Q q 0 0 0 rg BT 493.17 647.10 Td (duties ) Tj ET Q q 0 0 0 rg BT 520.33 647.10 Td (and ) Tj ET Q q 0 0 0 rg BT 538.05 647.10 Td (unjust ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 635.10 Td (enrichment ) Tj ET Q q 0 0 0 rg BT 97.28 635.10 Td (based ) Tj ET Q q 0 0 0 rg BT 122.85 635.10 Td (on ) Tj ET Q q 0 0 0 rg BT 135.65 635.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 189.00 635.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 219.58 635.10 Td (factual ) Tj ET Q q 0 0 0 rg BT 249.58 635.10 Td (allegations ) Tj ET Q q 0 0 0 rg BT 295.70 635.10 Td (as ) Tj ET Q q 0 0 0 rg BT 306.83 635.10 Td (those ) Tj ET Q q 0 0 0 rg BT 330.74 635.10 Td (asserted ) Tj ET Q q 0 0 0 rg BT 365.75 635.10 Td (in ) Tj ET Q q 0 0 0 rg BT 376.32 635.10 Td (the ) Tj ET Q q 0 0 0 rg BT 391.34 635.10 Td (Original ) Tj ET Q q 0 0 0 rg BT 427.47 635.10 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 471.85 635.10 Td (Action. ) Tj ET Q q 0 0 0 rg BT 504.17 635.10 Td (The ) Tj ET Q q 0 0 0 rg BT 522.51 635.10 Td (complaint ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 623.10 Td (does ) Tj ET Q q 0 0 0 rg BT 70.33 623.10 Td (not ) Tj ET Q q 0 0 0 rg BT 85.61 623.10 Td (specify ) Tj ET Q q 0 0 0 rg BT 116.99 623.10 Td (the ) Tj ET Q q 0 0 0 rg BT 131.70 623.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 164.20 623.10 Td (of ) Tj ET Q q 0 0 0 rg BT 175.03 623.10 Td (damages ) Tj ET Q q 0 0 0 rg BT 212.51 623.10 Td (sought. ) Tj ET Q q 0 0 0 rg BT 244.18 623.10 Td (Pursuant ) Tj ET Q q 0 0 0 rg BT 281.68 623.10 Td (to ) Tj ET Q q 0 0 0 rg BT 291.96 623.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.68 623.10 Td (parties) Tj ET Q q 0 0 0 rg BT 335.92 623.10 Td ( ) Tj ET Q q 0 0 0 rg BT 338.42 623.10 Td (agreement, ) Tj ET Q q 0 0 0 rg BT 385.06 623.10 Td (this ) Tj ET Q q 0 0 0 rg BT 402.01 623.10 Td (action ) Tj ET Q q 0 0 0 rg BT 428.94 623.10 Td (is ) Tj ET Q q 0 0 0 rg BT 438.11 623.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 476.71 623.10 Td (stayed.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 599.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 75.09 599.10 Td (than ) Tj ET Q q 0 0 0 rg BT 95.13 599.10 Td (Casey) Tj ET Q q 0 0 0 rg BT 118.91 599.10 Td (, ) Tj ET Q q 0 0 0 rg BT 124.23 599.10 Td (none ) Tj ET Q q 0 0 0 rg BT 146.49 599.10 Td (of ) Tj ET Q q 0 0 0 rg BT 157.64 599.10 Td (the ) Tj ET Q q 0 0 0 rg BT 172.68 599.10 Td (plaintif) Tj ET Q q 0 0 0 rg BT 201.38 599.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 211.42 599.10 Td (in ) Tj ET Q q 0 0 0 rg BT 222.02 599.10 Td (the ) Tj ET Q q 0 0 0 rg BT 237.06 599.10 Td (other ) Tj ET Q q 0 0 0 rg BT 260.42 599.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 303.22 599.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 334.37 599.10 Td (made ) Tj ET Q q 0 0 0 rg BT 358.84 599.10 Td (a ) Tj ET Q q 0 0 0 rg BT 366.10 599.10 Td (demand ) Tj ET Q q 0 0 0 rg BT 400.58 599.10 Td (on ) Tj ET Q q 0 0 0 rg BT 413.40 599.10 Td (our ) Tj ET Q q 0 0 0 rg BT 429.55 599.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 456.80 599.10 Td (of ) Tj ET Q q 0 0 0 rg BT 467.95 599.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 507.98 599.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 530.24 599.10 Td (to ) Tj ET Q q 0 0 0 rg BT 540.84 599.10 Td (filing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 587.10 Td (their ) Tj ET Q q 0 0 0 rg BT 69.58 587.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 111.86 587.10 Td (lawsuits. ) Tj ET Q q 0 0 0 rg BT 148.76 587.10 Td (The ) Tj ET Q q 0 0 0 rg BT 166.06 587.10 Td (defendants ) Tj ET Q q 0 0 0 rg BT 211.12 587.10 Td (in ) Tj ET Q q 0 0 0 rg BT 220.65 587.10 Td (the ) Tj ET Q q 0 0 0 rg BT 234.62 587.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 276.35 587.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 306.43 587.10 Td (intend ) Tj ET Q q 0 0 0 rg BT 333.17 587.10 Td (to ) Tj ET Q q 0 0 0 rg BT 342.70 587.10 Td (vigorously ) Tj ET Q q 0 0 0 rg BT 387.23 587.10 Td (defend ) Tj ET Q q 0 0 0 rg BT 416.19 587.10 Td (against ) Tj ET Q q 0 0 0 rg BT 446.26 587.10 Td (these ) Tj ET Q q 0 0 0 rg BT 468.56 587.10 Td (claims. ) Tj ET Q q 0 0 0 rg BT 498.91 587.10 Td (It ) Tj ET Q q 0 0 0 rg BT 506.77 587.10 Td (is ) Tj ET Q q 0 0 0 rg BT 515.19 587.10 Td (not ) Tj ET Q q 0 0 0 rg BT 529.72 587.10 Td (possible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 575.10 Td (at ) Tj ET Q q 0 0 0 rg BT 58.99 575.10 Td (this ) Tj ET Q q 0 0 0 rg BT 75.71 575.10 Td (time ) Tj ET Q q 0 0 0 rg BT 95.76 575.10 Td (to ) Tj ET Q q 0 0 0 rg BT 105.81 575.10 Td (predict ) Tj ET Q q 0 0 0 rg BT 135.85 575.10 Td (the ) Tj ET Q q 0 0 0 rg BT 150.34 575.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 178.73 575.10 Td (or ) Tj ET Q q 0 0 0 rg BT 189.34 575.10 Td (outcome ) Tj ET Q q 0 0 0 rg BT 226.04 575.10 Td (of ) Tj ET Q q 0 0 0 rg BT 236.65 575.10 Td (any ) Tj ET Q q 0 0 0 rg BT 253.36 575.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.97 575.10 Td (this ) Tj ET Q q 0 0 0 rg BT 280.69 575.10 Td (litigation, ) Tj ET Q q 0 0 0 rg BT 321.57 575.10 Td (and ) Tj ET Q q 0 0 0 rg BT 338.28 575.10 Td (we ) Tj ET Q q 0 0 0 rg BT 352.22 575.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 381.15 575.10 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 426.74 575.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 462.33 575.10 Td (the ) Tj ET Q q 0 0 0 rg BT 476.82 575.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 511.88 575.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 529.71 575.10 Td (or ) Tj ET Q q 0 0 0 rg BT 540.32 575.10 Td (range ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 563.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.33 563.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 95.61 563.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 113.67 563.10 Td (from ) Tj ET Q q 0 0 0 rg BT 135.61 563.10 Td (these ) Tj ET Q q 0 0 0 rg BT 158.66 563.10 Td (claims.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 539.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 98.74 539.10 Td (Matters.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.91 539.10 Td ( ) Tj ET Q q 0 0 0 rg BT 136.33 539.10 Td (W) Tj ET Q q 0 0 0 rg BT 144.97 539.10 Td (e ) Tj ET Q q 0 0 0 rg BT 153.09 539.10 Td (are ) Tj ET Q q 0 0 0 rg BT 168.99 539.10 Td (continuing ) Tj ET Q q 0 0 0 rg BT 215.44 539.10 Td (to ) Tj ET Q q 0 0 0 rg BT 226.91 539.10 Td (cooperate ) Tj ET Q q 0 0 0 rg BT 269.46 539.10 Td (with ) Tj ET Q q 0 0 0 rg BT 290.92 539.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.82 539.10 Td (SEC's ) Tj ET Q q 0 0 0 rg BT 334.54 539.10 Td (investigation ) Tj ET Q q 0 0 0 rg BT 389.89 539.10 Td (of ) Tj ET Q q 0 0 0 rg BT 401.90 539.10 Td (our ) Tj ET Q q 0 0 0 rg BT 418.92 539.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 474.26 539.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 509.05 539.10 Td (and ) Tj ET Q q 0 0 0 rg BT 527.17 539.10 Td (bad ) Tj ET Q q 0 0 0 rg BT 545.30 539.10 Td (debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 527.10 Td (provisions, ) Tj ET Q q 0 0 0 rg BT 96.28 527.10 Td (which ) Tj ET Q q 0 0 0 rg BT 123.33 527.10 Td (began ) Tj ET Q q 0 0 0 rg BT 149.82 527.10 Td (in ) Tj ET Q q 0 0 0 rg BT 160.21 527.10 Td (November ) Tj ET Q q 0 0 0 rg BT 205.03 527.10 Td (2014. ) Tj ET Q q 0 0 0 rg BT 232.45 527.10 Td (The ) Tj ET Q q 0 0 0 rg BT 250.61 527.10 Td (investigation ) Tj ET Q q 0 0 0 rg BT 304.88 527.10 Td (is ) Tj ET Q q 0 0 0 rg BT 314.16 527.10 Td (a ) Tj ET Q q 0 0 0 rg BT 321.21 527.10 Td (non-public, ) Tj ET Q q 0 0 0 rg BT 369.65 527.10 Td (fact-finding ) Tj ET Q q 0 0 0 rg BT 419.46 527.10 Td (inquiry) Tj ET Q q 0 0 0 rg BT 447.70 527.10 Td (, ) Tj ET Q q 0 0 0 rg BT 452.81 527.10 Td (and ) Tj ET Q q 0 0 0 rg BT 469.86 527.10 Td (the ) Tj ET Q q 0 0 0 rg BT 484.69 527.10 Td (SEC ) Tj ET Q q 0 0 0 rg BT 505.64 527.10 Td (has ) Tj ET Q q 0 0 0 rg BT 521.58 527.10 Td (stated ) Tj ET Q q 0 0 0 rg BT 547.52 527.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 515.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.22 515.10 Td (investigation ) Tj ET Q q 0 0 0 rg BT 118.38 515.10 Td (does ) Tj ET Q q 0 0 0 rg BT 139.21 515.10 Td (not ) Tj ET Q q 0 0 0 rg BT 154.49 515.10 Td (mean ) Tj ET Q q 0 0 0 rg BT 178.64 515.10 Td (that ) Tj ET Q q 0 0 0 rg BT 196.14 515.10 Td (any ) Tj ET Q q 0 0 0 rg BT 213.07 515.10 Td (violations ) Tj ET Q q 0 0 0 rg BT 255.02 515.10 Td (of ) Tj ET Q q 0 0 0 rg BT 265.85 515.10 Td (law ) Tj ET Q q 0 0 0 rg BT 282.79 515.10 Td (have ) Tj ET Q q 0 0 0 rg BT 304.16 515.10 Td (occurred. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 497.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.07 497.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 97.58 497.10 Td (we ) Tj ET Q q 0 0 0 rg BT 111.48 497.10 Td (are ) Tj ET Q q 0 0 0 rg BT 125.93 497.10 Td (involved ) Tj ET Q q 0 0 0 rg BT 163.16 497.10 Td (in ) Tj ET Q q 0 0 0 rg BT 173.18 497.10 Td (other ) Tj ET Q q 0 0 0 rg BT 195.96 497.10 Td (routine ) Tj ET Q q 0 0 0 rg BT 226.53 497.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 264.87 497.10 Td (and ) Tj ET Q q 0 0 0 rg BT 281.55 497.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 309.89 497.10 Td (incidental ) Tj ET Q q 0 0 0 rg BT 351.56 497.10 Td (to ) Tj ET Q q 0 0 0 rg BT 361.58 497.10 Td (our ) Tj ET Q q 0 0 0 rg BT 377.15 497.10 Td (business ) Tj ET Q q 0 0 0 rg BT 413.28 497.10 Td (from ) Tj ET Q q 0 0 0 rg BT 434.95 497.10 Td (time ) Tj ET Q q 0 0 0 rg BT 454.97 497.10 Td (to ) Tj ET Q q 0 0 0 rg BT 464.98 497.10 Td (time ) Tj ET Q q 0 0 0 rg BT 485.00 497.10 Td (which, ) Tj ET Q q 0 0 0 rg BT 514.17 497.10 Td (individually ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 485.10 Td (or ) Tj ET Q q 0 0 0 rg BT 59.89 485.10 Td (in ) Tj ET Q q 0 0 0 rg BT 69.74 485.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.02 485.10 Td (aggregate, ) Tj ET Q q 0 0 0 rg BT 127.45 485.10 Td (are ) Tj ET Q q 0 0 0 rg BT 141.72 485.10 Td (not ) Tj ET Q q 0 0 0 rg BT 156.56 485.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 194.16 485.10 Td (to ) Tj ET Q q 0 0 0 rg BT 204.00 485.10 Td (have ) Tj ET Q q 0 0 0 rg BT 224.94 485.10 Td (a ) Tj ET Q q 0 0 0 rg BT 231.44 485.10 Td (material ) Tj ET Q q 0 0 0 rg BT 266.27 485.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 298.87 485.10 Td (ef) Tj ET Q q 0 0 0 rg BT 306.46 485.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 323.51 485.10 Td (on ) Tj ET Q q 0 0 0 rg BT 335.57 485.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 348.57 485.10 Td (As ) Tj ET Q q 0 0 0 rg BT 361.75 485.10 Td (required, ) Tj ET Q q 0 0 0 rg BT 399.63 485.10 Td (we ) Tj ET Q q 0 0 0 rg BT 413.35 485.10 Td (accrue ) Tj ET Q q 0 0 0 rg BT 441.50 485.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 480.78 485.10 Td (of ) Tj ET Q q 0 0 0 rg BT 491.17 485.10 Td (the ) Tj ET Q q 0 0 0 rg BT 505.45 485.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 542.50 485.10 Td (costs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 473.10 Td (for ) Tj ET Q q 0 0 0 rg BT 62.78 473.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.62 473.10 Td (resolution ) Tj ET Q q 0 0 0 rg BT 118.24 473.10 Td (of ) Tj ET Q q 0 0 0 rg BT 128.19 473.10 Td (these ) Tj ET Q q 0 0 0 rg BT 150.36 473.10 Td (matters. ) Tj ET Q q 0 0 0 rg BT 183.80 473.10 Td (These ) Tj ET Q q 0 0 0 rg BT 209.30 473.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 248.13 473.10 Td (have ) Tj ET Q q 0 0 0 rg BT 268.63 473.10 Td (been ) Tj ET Q q 0 0 0 rg BT 289.13 473.10 Td (developed ) Tj ET Q q 0 0 0 rg BT 331.85 473.10 Td (in ) Tj ET Q q 0 0 0 rg BT 341.25 473.10 Td (consultation ) Tj ET Q q 0 0 0 rg BT 391.75 473.10 Td (with ) Tj ET Q q 0 0 0 rg BT 411.16 473.10 Td (counsel ) Tj ET Q q 0 0 0 rg BT 443.33 473.10 Td (and ) Tj ET Q q 0 0 0 rg BT 459.39 473.10 Td (are ) Tj ET Q q 0 0 0 rg BT 473.22 473.10 Td (based ) Tj ET Q q 0 0 0 rg BT 497.61 473.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 519.23 473.10 Td (an ) Tj ET Q q 0 0 0 rg BT 530.29 473.10 Td (analysis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 461.10 Td (of ) Tj ET Q q 0 0 0 rg BT 59.46 461.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 96.08 461.10 Td (results, ) Tj ET Q q 0 0 0 rg BT 126.32 461.10 Td (assuming ) Tj ET Q q 0 0 0 rg BT 165.73 461.10 Td (a ) Tj ET Q q 0 0 0 rg BT 171.79 461.10 Td (combination ) Tj ET Q q 0 0 0 rg BT 223.42 461.10 Td (of ) Tj ET Q q 0 0 0 rg BT 233.38 461.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 271.11 461.10 Td (and ) Tj ET Q q 0 0 0 rg BT 287.18 461.10 Td (settlement ) Tj ET Q q 0 0 0 rg BT 329.91 461.10 Td (strategies. ) Tj ET Q q 0 0 0 rg BT 371.80 461.10 Td (However) Tj ET Q q 0 0 0 rg BT 408.05 461.10 Td (, ) Tj ET Q q 0 0 0 rg BT 412.18 461.10 Td (the ) Tj ET Q q 0 0 0 rg BT 426.03 461.10 Td (results ) Tj ET Q q 0 0 0 rg BT 453.77 461.10 Td (of ) Tj ET Q q 0 0 0 rg BT 463.73 461.10 Td (these ) Tj ET Q q 0 0 0 rg BT 485.91 461.10 Td (proceedings ) Tj ET Q q 0 0 0 rg BT 535.85 461.10 Td (cannot ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 449.10 Td (be ) Tj ET Q q 0 0 0 rg BT 62.53 449.10 Td (predicted ) Tj ET Q q 0 0 0 rg BT 103.32 449.10 Td (with ) Tj ET Q q 0 0 0 rg BT 124.69 449.10 Td (certainty) Tj ET Q q 0 0 0 rg BT 159.02 449.10 Td (, ) Tj ET Q q 0 0 0 rg BT 165.12 449.10 Td (and ) Tj ET Q q 0 0 0 rg BT 183.15 449.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 218.94 449.10 Td (in ) Tj ET Q q 0 0 0 rg BT 230.31 449.10 Td (facts ) Tj ET Q q 0 0 0 rg BT 252.78 449.10 Td (and ) Tj ET Q q 0 0 0 rg BT 270.81 449.10 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 331.04 449.10 Td (could ) Tj ET Q q 0 0 0 rg BT 356.85 449.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 387.65 449.10 Td (our ) Tj ET Q q 0 0 0 rg BT 404.58 449.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 441.49 449.10 Td (of ) Tj ET Q q 0 0 0 rg BT 453.41 449.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 489.76 449.10 Td (for ) Tj ET Q q 0 0 0 rg BT 505.01 449.10 Td (litigation. ) Tj ET Q q 0 0 0 rg BT 546.95 449.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 437.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 91.19 437.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 126.76 437.10 Td (that ) Tj ET Q q 0 0 0 rg BT 144.55 437.10 Td (any ) Tj ET Q q 0 0 0 rg BT 161.79 437.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 199.58 437.10 Td (and ) Tj ET Q q 0 0 0 rg BT 216.82 437.10 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 262.94 437.10 Td (estimable ) Tj ET Q q 0 0 0 rg BT 304.07 437.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 322.43 437.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 366.33 437.10 Td (with ) Tj ET Q q 0 0 0 rg BT 386.91 437.10 Td (the ) Tj ET Q q 0 0 0 rg BT 401.93 437.10 Td (foregoing ) Tj ET Q q 0 0 0 rg BT 443.61 437.10 Td (has ) Tj ET Q q 0 0 0 rg BT 459.74 437.10 Td (been ) Tj ET Q q 0 0 0 rg BT 481.42 437.10 Td (adequately ) Tj ET Q q 0 0 0 rg BT 527.53 437.10 Td (reflected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 425.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.78 425.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.50 425.10 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 135.31 425.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 172.79 425.10 Td (statements. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 395.10 Td (13. ) Tj ET Q q 0 0 0 rg BT 64.50 395.10 Td ( ) Tj ET Q q 0 0 0 rg BT 67.50 395.10 Td (V) Tj ET Q q 0 0 0 rg BT 73.80 395.10 Td (ariable ) Tj ET Q q 0 0 0 rg BT 106.30 395.10 Td (Inter) Tj ET Q q 0 0 0 rg BT 127.78 395.10 Td (est ) Tj ET Q q 0 0 0 rg BT 141.94 395.10 Td (Entities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 377.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.35 377.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 86.53 377.10 Td (years ) Tj ET Q q 0 0 0 rg BT 111.15 377.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 137.17 377.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 160.69 377.10 Td (and ) Tj ET Q q 0 0 0 rg BT 178.65 377.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 204.67 377.10 Td (we ) Tj ET Q q 0 0 0 rg BT 219.85 377.10 Td (securitized ) Tj ET Q q 0 0 0 rg BT 266.68 377.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 306.85 377.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 345.36 377.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 393.85 377.10 Td (by ) Tj ET Q q 0 0 0 rg BT 407.37 377.10 Td (transferring ) Tj ET Q q 0 0 0 rg BT 457.54 377.10 Td (the ) Tj ET Q q 0 0 0 rg BT 473.27 377.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 521.77 377.10 Td (to ) Tj ET Q q 0 0 0 rg BT 533.06 377.10 Td (various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 365.10 Td (bankruptcy-remote ) Tj ET Q q 0 0 0 rg BT 127.32 365.10 Td (VIEs. ) Tj ET Q q 0 0 0 rg BT 152.25 365.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 179.11 365.10 Td (the ) Tj ET Q q 0 0 0 rg BT 193.20 365.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 217.29 365.10 Td (of ) Tj ET Q q 0 0 0 rg BT 227.50 365.10 Td (the ) Tj ET Q q 0 0 0 rg BT 241.59 365.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 284.00 365.10 Td (securitization ) Tj ET Q q 0 0 0 rg BT 339.74 365.10 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 391.88 365.10 Td (all ) Tj ET Q q 0 0 0 rg BT 403.75 365.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 423.39 365.10 Td (collections ) Tj ET Q q 0 0 0 rg BT 468.59 365.10 Td (and ) Tj ET Q q 0 0 0 rg BT 484.90 365.10 Td (other ) Tj ET Q q 0 0 0 rg BT 507.32 365.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 526.97 365.10 Td (proceeds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 353.10 Td (of ) Tj ET Q q 0 0 0 rg BT 59.92 353.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.22 353.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 112.97 353.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 160.03 353.10 Td (go ) Tj ET Q q 0 0 0 rg BT 172.12 353.10 Td (first ) Tj ET Q q 0 0 0 rg BT 190.31 353.10 Td (to ) Tj ET Q q 0 0 0 rg BT 200.18 353.10 Td (the ) Tj ET Q q 0 0 0 rg BT 214.49 353.10 Td (servicer ) Tj ET Q q 0 0 0 rg BT 248.22 353.10 Td (and ) Tj ET Q q 0 0 0 rg BT 264.75 353.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.05 353.10 Td (holders ) Tj ET Q q 0 0 0 rg BT 310.58 353.10 Td (of ) Tj ET Q q 0 0 0 rg BT 321.00 353.10 Td (the ) Tj ET Q q 0 0 0 rg BT 335.31 353.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 388.48 353.10 Td (notes, ) Tj ET Q q 0 0 0 rg BT 414.18 353.10 Td (and ) Tj ET Q q 0 0 0 rg BT 430.70 353.10 Td (then ) Tj ET Q q 0 0 0 rg BT 450.01 353.10 Td (to ) Tj ET Q q 0 0 0 rg BT 459.88 353.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.18 353.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 507.93 353.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 535.01 353.10 Td (holder) Tj ET Q q 0 0 0 rg BT 560.01 353.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 341.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 341.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.75 341.10 Td (retain ) Tj ET Q q 0 0 0 rg BT 91.70 341.10 Td (the ) Tj ET Q q 0 0 0 rg BT 107.09 341.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 146.92 341.10 Td (of ) Tj ET Q q 0 0 0 rg BT 158.43 341.10 Td (the ) Tj ET Q q 0 0 0 rg BT 173.83 341.10 Td (securitized ) Tj ET Q q 0 0 0 rg BT 220.31 341.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 258.49 341.10 Td (and ) Tj ET Q q 0 0 0 rg BT 276.10 341.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 308.14 341.10 Td (a ) Tj ET Q q 0 0 0 rg BT 315.76 341.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 352.27 341.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 367.66 341.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.16 341.10 Td (4.75%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.99 341.10 Td ( ) Tj ET Q q 0 0 0 rg BT 408.17 341.10 Td (\(annualized\) ) Tj ET Q q 0 0 0 rg BT 461.32 341.10 Td (based ) Tj ET Q q 0 0 0 rg BT 487.27 341.10 Td (on ) Tj ET Q q 0 0 0 rg BT 500.44 341.10 Td (the ) Tj ET Q q 0 0 0 rg BT 515.84 341.10 Td (outstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 329.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 82.57 329.10 Td (of ) Tj ET Q q 0 0 0 rg BT 93.43 329.10 Td (the ) Tj ET Q q 0 0 0 rg BT 108.18 329.10 Td (securitized ) Tj ET Q q 0 0 0 rg BT 154.02 329.10 Td (receivables, ) Tj ET Q q 0 0 0 rg BT 204.03 329.10 Td (and ) Tj ET Q q 0 0 0 rg BT 221.00 329.10 Td (we ) Tj ET Q q 0 0 0 rg BT 235.19 329.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 273.82 329.10 Td (hold ) Tj ET Q q 0 0 0 rg BT 294.13 329.10 Td (all ) Tj ET Q q 0 0 0 rg BT 306.66 329.10 Td (of ) Tj ET Q q 0 0 0 rg BT 317.52 329.10 Td (the ) Tj ET Q q 0 0 0 rg BT 332.27 329.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 366.46 329.10 Td (equity) Tj ET Q q 0 0 0 rg BT 390.81 329.10 Td (. ) Tj ET Q q 0 0 0 rg BT 395.84 329.10 Td (In ) Tj ET Q q 0 0 0 rg BT 406.70 329.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 444.51 329.10 Td (we, ) Tj ET Q q 0 0 0 rg BT 461.20 329.10 Td (rather ) Tj ET Q q 0 0 0 rg BT 487.05 329.10 Td (than ) Tj ET Q q 0 0 0 rg BT 506.80 329.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.37 329.10 Td (VIEs, ) Tj ET Q q 0 0 0 rg BT 546.95 329.10 Td (will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 317.10 Td (retain ) Tj ET Q q 0 0 0 rg BT 75.14 317.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 105.22 317.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 130.86 317.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 172.05 317.10 Td (income ) Tj ET Q q 0 0 0 rg BT 204.37 317.10 Td (together ) Tj ET Q q 0 0 0 rg BT 240.01 317.10 Td (with ) Tj ET Q q 0 0 0 rg BT 260.66 317.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 290.74 317.10 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 334.70 317.10 Td (related ) Tj ET Q q 0 0 0 rg BT 364.78 317.10 Td (to ) Tj ET Q q 0 0 0 rg BT 375.44 317.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 401.08 317.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 442.27 317.10 Td (and ) Tj ET Q q 0 0 0 rg BT 459.59 317.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 485.78 317.10 Td (service ) Tj ET Q q 0 0 0 rg BT 516.97 317.10 Td (agreements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 305.10 Td (on ) Tj ET Q q 0 0 0 rg BT 61.43 305.10 Td (char) Tj ET Q q 0 0 0 rg BT 78.46 305.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 99.38 305.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 108.53 305.10 Td (of ) Tj ET Q q 0 0 0 rg BT 118.80 305.10 Td (the ) Tj ET Q q 0 0 0 rg BT 132.95 305.10 Td (securitized ) Tj ET Q q 0 0 0 rg BT 178.19 305.10 Td (receivables, ) Tj ET Q q 0 0 0 rg BT 227.60 305.10 Td (which ) Tj ET Q q 0 0 0 rg BT 253.97 305.10 Td (will ) Tj ET Q q 0 0 0 rg BT 271.46 305.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 307.83 305.10 Td (to ) Tj ET Q q 0 0 0 rg BT 317.54 305.10 Td (be ) Tj ET Q q 0 0 0 rg BT 328.91 305.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 365.81 305.10 Td (as ) Tj ET Q q 0 0 0 rg BT 376.08 305.10 Td (a ) Tj ET Q q 0 0 0 rg BT 382.45 305.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 422.15 305.10 Td (of ) Tj ET Q q 0 0 0 rg BT 432.41 305.10 Td (net ) Tj ET Q q 0 0 0 rg BT 446.56 305.10 Td (char) Tj ET Q q 0 0 0 rg BT 463.59 305.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 484.50 305.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 493.66 305.10 Td (on ) Tj ET Q q 0 0 0 rg BT 505.59 305.10 Td (a ) Tj ET Q q 0 0 0 rg BT 511.97 305.10 Td (consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 293.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 72.00 293.10 Td (for ) Tj ET Q q 0 0 0 rg BT 86.16 293.10 Td (as ) Tj ET Q q 0 0 0 rg BT 96.99 293.10 Td (long ) Tj ET Q q 0 0 0 rg BT 117.27 293.10 Td (as ) Tj ET Q q 0 0 0 rg BT 128.10 293.10 Td (we ) Tj ET Q q 0 0 0 rg BT 142.26 293.10 Td (consolidate ) Tj ET Q q 0 0 0 rg BT 190.30 293.10 Td (the ) Tj ET Q q 0 0 0 rg BT 204.84 293.10 Td (VIEs. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 275.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 275.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.95 275.10 Td (consolidate ) Tj ET Q q 0 0 0 rg BT 114.63 275.10 Td (VIEs ) Tj ET Q q 0 0 0 rg BT 138.55 275.10 Td (when ) Tj ET Q q 0 0 0 rg BT 163.59 275.10 Td (we ) Tj ET Q q 0 0 0 rg BT 178.62 275.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 221.98 275.10 Td (that ) Tj ET Q q 0 0 0 rg BT 240.35 275.10 Td (we ) Tj ET Q q 0 0 0 rg BT 255.39 275.10 Td (are ) Tj ET Q q 0 0 0 rg BT 270.97 275.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.56 275.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 321.59 275.10 Td (beneficiary ) Tj ET Q q 0 0 0 rg BT 369.94 275.10 Td (of ) Tj ET Q q 0 0 0 rg BT 381.64 275.10 Td (these ) Tj ET Q q 0 0 0 rg BT 405.32 275.10 Td (VIEs, ) Tj ET Q q 0 0 0 rg BT 431.75 275.10 Td (we ) Tj ET Q q 0 0 0 rg BT 446.78 275.10 Td (have ) Tj ET Q q 0 0 0 rg BT 469.04 275.10 Td (the ) Tj ET Q q 0 0 0 rg BT 484.63 275.10 Td (power ) Tj ET Q q 0 0 0 rg BT 512.99 275.10 Td (to ) Tj ET Q q 0 0 0 rg BT 524.15 275.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 550.29 275.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 263.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 88.24 263.10 Td (that ) Tj ET Q q 0 0 0 rg BT 105.87 263.10 Td (most ) Tj ET Q q 0 0 0 rg BT 127.96 263.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 180.59 263.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 210.44 263.10 Td (the ) Tj ET Q q 0 0 0 rg BT 225.30 263.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 278.46 263.10 Td (of ) Tj ET Q q 0 0 0 rg BT 289.43 263.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.09 263.10 Td (VIEs ) Tj ET Q q 0 0 0 rg BT 327.28 263.10 Td (and ) Tj ET Q q 0 0 0 rg BT 344.36 263.10 Td (our ) Tj ET Q q 0 0 0 rg BT 360.33 263.10 Td (obligation ) Tj ET Q q 0 0 0 rg BT 403.52 263.10 Td (to ) Tj ET Q q 0 0 0 rg BT 413.94 263.10 Td (absorb ) Tj ET Q q 0 0 0 rg BT 443.24 263.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 469.77 263.10 Td (and ) Tj ET Q q 0 0 0 rg BT 486.85 263.10 Td (the ) Tj ET Q q 0 0 0 rg BT 501.70 263.10 Td (right ) Tj ET Q q 0 0 0 rg BT 523.23 263.10 Td (to ) Tj ET Q q 0 0 0 rg BT 533.65 263.10 Td (receive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 251.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 83.66 251.10 Td (returns ) Tj ET Q q 0 0 0 rg BT 113.92 251.10 Td (are ) Tj ET Q q 0 0 0 rg BT 128.63 251.10 Td (significant. ) Tj ET Q endstream endobj 171 0 obj <>] /Rotate 0 /Contents 172 0 R>> endobj 172 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (84) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 731.10 Td (The following table presents the assets and liabilities held by the ) Tj ET Q q 0 0 0 rg BT 310.09 731.10 Td (VIEs \(for legal purposes, the assets and liabilities of the ) Tj ET Q q 0 0 0 rg BT 535.69 731.10 Td (VIEs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 719.10 Td (will remain distinct from Conn's, Inc.\):) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 684.60 388.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.00 684.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 684.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 684.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 654.60 388.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.00 654.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 654.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 654.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 624.60 388.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.00 624.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 624.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 624.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 594.60 388.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.00 594.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 594.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 594.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 564.60 388.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.00 564.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 564.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 564.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 534.60 388.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.00 534.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 534.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 534.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 499.60 388.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.00 499.60 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 499.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 499.60 60.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.00 469.60 388.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 438.00 469.60 60.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 498.00 469.60 4.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 502.00 469.60 60.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.00 439.60 388.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 438.00 439.60 60.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 498.00 439.60 4.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 502.00 439.60 60.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.00 409.60 388.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 438.00 409.60 60.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 498.00 409.60 4.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 502.00 409.60 60.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.00 379.60 388.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 438.00 379.60 60.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 498.00 379.60 4.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 502.00 379.60 60.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.00 349.60 388.00 -17.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 438.00 349.60 60.00 -17.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 498.00 349.60 4.00 -17.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 502.00 349.60 60.00 -17.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.00 315.60 388.00 -17.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 438.00 315.60 60.00 -17.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 498.00 315.60 4.00 -17.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 502.00 315.60 60.00 -17.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.00 283.60 388.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 438.00 283.60 60.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 498.00 283.60 4.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 502.00 283.60 60.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.00 253.60 388.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 438.00 253.60 60.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 498.00 253.60 4.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 502.00 253.60 60.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 502.00 238.60 60.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.00 223.60 388.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 438.00 223.60 60.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 498.00 223.60 4.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 502.00 223.60 60.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438 684.6 m 498 684.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 684.6 m 562 684.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438 549.6 m 498 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 549.6 m 562 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438 549.6 m 498 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 549.6 m 562 549.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438 534.6 m 498 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438 520.6 m 498 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438 518.6 m 498 518.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 534.6 m 562 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 520.6 m 562 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 518.6 m 562 518.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438 253.60000000000002 m 498 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 253.60000000000002 m 562 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 223.60000000000002 m 562 223.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438 223.60000000000002 m 498 223.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438 208.60000000000002 m 498 208.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 208.60000000000002 m 562 208.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438 194.60000000000002 m 498 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438 192.60000000000002 m 498 192.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 194.60000000000002 m 562 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 192.60000000000002 m 562 192.60000000000002 l s BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 689.31 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.20 699.33 Td (January 31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 457.50 689.33 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 506.20 699.33 Td (January 31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 521.50 689.33 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 674.83 Td (Assets:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 659.72 Td (Restricted cash) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 659.27 Td (85,322) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.50 659.72 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 659.72 Td (1) Tj ET Q q 0 0 0 rg BT 530.65 659.72 Td (10,698) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 644.72 Td (Due from Conn's, Inc., net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 644.72 Td (15,212) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 644.72 Td (7,368) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 629.72 Td (Customer accounts receivable:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 614.72 Td (Customer accounts receivable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 614.72 Td (987,418) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 614.72 Td (884,367) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 599.72 Td (Restructured accounts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 599.72 Td (97,967) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 599.72 Td (131,470) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 584.72 Td (Allowance for uncollectible accounts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.30 584.77 Td (\(143,1) Tj ET Q q 0 0 0 rg BT 484.13 584.77 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.15 584.72 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.30 584.77 Td (\(150,435) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 584.72 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 569.72 Td (Allowance for short-term, no-interest option programs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.30 569.77 Td (\(18,228) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.15 569.72 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.30 569.77 Td (\(15,912) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 569.72 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 554.72 Td (Deferred fees and origination costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.30 554.77 Td (\(9,332) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.15 554.72 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 554.72 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.50 539.72 Td (T) Tj ET Q q 0 0 0 rg BT 70.26 539.72 Td (otal customer accounts receivable, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 539.72 Td (914,710) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 539.72 Td (849,490) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 524.83 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 524.83 Td (otal assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 440.50 524.83 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 454.10 524.83 Td (1,015,244) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 504.50 524.83 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 525.65 524.83 Td (967,556) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 504.28 Td (Liabilities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 489.72 Td (Accrued expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.50 489.72 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.65 489.72 Td (6,723) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.50 489.72 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 489.72 Td (6,525) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 474.72 Td (Other liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 474.72 Td (10,639) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 474.72 Td (6,691) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 459.72 Td (Long-term debt:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 444.72 Td (2015 Class ) Tj ET Q q 0 0 0 rg BT 104.89 444.72 Td (A) Tj ET Q q 0 0 0 rg BT 111.56 444.72 Td ( Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 444.72 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 444.72 Td (12,166) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 429.72 Td (2015 ) Tj ET Q q 0 0 0 rg BT 80.72 429.72 Td (Asset-Backed Class B Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 429.72 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 429.72 Td (165,900) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 414.27 Td (2016-A) Tj ET Q q 0 0 0 rg BT 88.78 414.27 Td ( Class ) Tj ET Q q 0 0 0 rg BT 114.89 414.27 Td (A) Tj ET Q q 0 0 0 rg BT 121.56 414.27 Td ( Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 414.72 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 414.72 Td (64,732) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 399.27 Td (2016-A) Tj ET Q q 0 0 0 rg BT 88.78 399.27 Td ( Class B Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 399.72 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 399.72 Td (70,510) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 384.27 Td (2016-A) Tj ET Q q 0 0 0 rg BT 88.78 384.27 Td ( Class C Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 384.72 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 384.72 Td (70,510) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 369.27 Td (2016-B Class ) Tj ET Q q 0 0 0 rg BT 114.89 369.27 Td (A) Tj ET Q q 0 0 0 rg BT 121.56 369.27 Td ( Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 369.72 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 369.72 Td (256,513) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 354.27 Td (2016-B Class B Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 354.72 Td (73,589) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 354.72 Td (1) Tj ET Q q 0 0 0 rg BT 530.65 354.72 Td (1) Tj ET Q q 0 0 0 rg BT 535.65 354.72 Td (1,960) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 338.72 Td (2017-A) Tj ET Q q 0 0 0 rg BT 88.50 338.72 Td ( Class ) Tj ET Q q 0 0 0 rg BT 114.62 338.72 Td (A) Tj ET Q q 0 0 0 rg BT 121.29 338.72 Td ( Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 338.72 Td (59,794) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 338.72 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 320.27 Td (2017-A) Tj ET Q q 0 0 0 rg BT 88.78 320.27 Td ( Class B Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 321.72 Td (106,270) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 321.72 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 303.27 Td (2017-A) Tj ET Q q 0 0 0 rg BT 88.78 303.27 Td ( Class C Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 304.72 Td (50,340) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 304.72 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 288.27 Td (2017-B Class ) Tj ET Q q 0 0 0 rg BT 114.89 288.27 Td (A) Tj ET Q q 0 0 0 rg BT 121.56 288.27 Td ( Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 288.72 Td (292,663) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 288.72 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 273.27 Td (2017-B Class B Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 273.72 Td (132,180) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 273.72 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 258.27 Td (2017-B Class C Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 258.72 Td (78,640) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 258.72 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 243.72 Td (793,476) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 243.72 Td (752,291) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 228.27 Td (Less deferred debt issuance costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.30 228.77 Td (\(5,497) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.15 228.72 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 228.77 Td (\(6,710) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 228.72 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.50 213.72 Td (T) Tj ET Q q 0 0 0 rg BT 69.91 213.72 Td (otal long-term debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 213.72 Td (787,979) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 213.72 Td (745,581) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 198.83 Td (T) Tj ET Q q 0 0 0 rg BT 64.25 198.83 Td (otal liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 440.50 198.83 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.65 198.83 Td (805,341) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 504.50 198.83 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 525.65 198.83 Td (758,797) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 176.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.47 176.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 93.22 176.10 Td (of ) Tj ET Q q 0 0 0 rg BT 103.97 176.10 Td (the ) Tj ET Q q 0 0 0 rg BT 118.61 176.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 161.39 176.10 Td (VIEs ) Tj ET Q q 0 0 0 rg BT 184.36 176.10 Td (serve ) Tj ET Q q 0 0 0 rg BT 207.88 176.10 Td (as ) Tj ET Q q 0 0 0 rg BT 218.64 176.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 258.26 176.10 Td (for ) Tj ET Q q 0 0 0 rg BT 272.34 176.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.98 176.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 333.84 176.10 Td (of ) Tj ET Q q 0 0 0 rg BT 344.59 176.10 Td (the ) Tj ET Q q 0 0 0 rg BT 359.23 176.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 402.01 176.10 Td (VIEs. ) Tj ET Q q 0 0 0 rg BT 427.31 176.10 Td (The ) Tj ET Q q 0 0 0 rg BT 445.28 176.10 Td (holders ) Tj ET Q q 0 0 0 rg BT 477.14 176.10 Td (of ) Tj ET Q q 0 0 0 rg BT 487.89 176.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 541.40 176.10 Td (notes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 164.10 Td (have ) Tj ET Q q 0 0 0 rg BT 70.88 164.10 Td (no ) Tj ET Q q 0 0 0 rg BT 83.38 164.10 Td (recourse ) Tj ET Q q 0 0 0 rg BT 119.74 164.10 Td (to ) Tj ET Q q 0 0 0 rg BT 130.02 164.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 155.85 164.10 Td (outside ) Tj ET Q q 0 0 0 rg BT 187.24 164.10 Td (of ) Tj ET Q q 0 0 0 rg BT 198.07 164.10 Td (the ) Tj ET Q q 0 0 0 rg BT 212.79 164.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 255.64 164.10 Td (VIEs.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 146.10 Td (14. ) Tj ET Q q 0 0 0 rg BT 64.50 146.10 Td ( ) Tj ET Q q 0 0 0 rg BT 67.50 146.10 Td (Segment ) Tj ET Q q 0 0 0 rg BT 106.66 146.10 Td (Information) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.88 146.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 128.10 Td (Operating ) Tj ET Q q 0 0 0 rg BT 91.82 128.10 Td (segments ) Tj ET Q q 0 0 0 rg BT 131.38 128.10 Td (are ) Tj ET Q q 0 0 0 rg BT 145.92 128.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 178.25 128.10 Td (as ) Tj ET Q q 0 0 0 rg BT 188.91 128.10 Td (components ) Tj ET Q q 0 0 0 rg BT 239.58 128.10 Td (of ) Tj ET Q q 0 0 0 rg BT 250.25 128.10 Td (an ) Tj ET Q q 0 0 0 rg BT 262.02 128.10 Td (enterprise ) Tj ET Q q 0 0 0 rg BT 303.78 128.10 Td (that ) Tj ET Q q 0 0 0 rg BT 321.12 128.10 Td (engage ) Tj ET Q q 0 0 0 rg BT 351.77 128.10 Td (in ) Tj ET Q q 0 0 0 rg BT 361.89 128.10 Td (business ) Tj ET Q q 0 0 0 rg BT 398.12 128.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 436.55 128.10 Td (and ) Tj ET Q q 0 0 0 rg BT 453.33 128.10 Td (for ) Tj ET Q q 0 0 0 rg BT 467.33 128.10 Td (which ) Tj ET Q q 0 0 0 rg BT 494.10 128.10 Td (discrete ) Tj ET Q q 0 0 0 rg BT 527.53 128.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 116.10 Td (information ) Tj ET Q q 0 0 0 rg BT 99.01 116.10 Td (is ) Tj ET Q q 0 0 0 rg BT 107.97 116.10 Td (available ) Tj ET Q q 0 0 0 rg BT 146.35 116.10 Td (that ) Tj ET Q q 0 0 0 rg BT 163.64 116.10 Td (is ) Tj ET Q q 0 0 0 rg BT 172.61 116.10 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 213.21 116.10 Td (on ) Tj ET Q q 0 0 0 rg BT 225.50 116.10 Td (a ) Tj ET Q q 0 0 0 rg BT 232.24 116.10 Td (regular ) Tj ET Q q 0 0 0 rg BT 262.85 116.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 285.14 116.10 Td (by ) Tj ET Q q 0 0 0 rg BT 297.43 116.10 Td (the ) Tj ET Q q 0 0 0 rg BT 311.94 116.10 Td (chief ) Tj ET Q q 0 0 0 rg BT 334.22 116.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 374.28 116.10 Td (decision ) Tj ET Q q 0 0 0 rg BT 409.90 116.10 Td (maker ) Tj ET Q q 0 0 0 rg BT 437.18 116.10 Td (to ) Tj ET Q q 0 0 0 rg BT 447.25 116.10 Td (make ) Tj ET Q q 0 0 0 rg BT 471.20 116.10 Td (decisions ) Tj ET Q q 0 0 0 rg BT 510.71 116.10 Td (about ) Tj ET Q q 0 0 0 rg BT 535.22 116.10 Td (how ) Tj ET Q q 0 0 0 rg BT 554.74 116.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 104.10 Td (allocate ) Tj ET Q q 0 0 0 rg BT 82.31 104.10 Td (resources ) Tj ET Q q 0 0 0 rg BT 121.80 104.10 Td (and ) Tj ET Q q 0 0 0 rg BT 137.96 104.10 Td (assess ) Tj ET Q q 0 0 0 rg BT 164.13 104.10 Td (performance. ) Tj ET Q q 0 0 0 rg BT 218.76 104.10 Td (W) Tj ET Q q 0 0 0 rg BT 227.40 104.10 Td (e ) Tj ET Q q 0 0 0 rg BT 233.56 104.10 Td (are ) Tj ET Q q 0 0 0 rg BT 247.49 104.10 Td (a ) Tj ET Q q 0 0 0 rg BT 253.66 104.10 Td (leading ) Tj ET Q q 0 0 0 rg BT 284.82 104.10 Td (specialty ) Tj ET Q q 0 0 0 rg BT 322.09 104.10 Td (retailer ) Tj ET Q q 0 0 0 rg BT 352.12 104.10 Td (and ) Tj ET Q q 0 0 0 rg BT 368.29 104.10 Td (of) Tj ET Q q 0 0 0 rg BT 376.44 104.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 389.26 104.10 Td (a ) Tj ET Q q 0 0 0 rg BT 395.43 104.10 Td (broad ) Tj ET Q q 0 0 0 rg BT 419.92 104.10 Td (selection ) Tj ET Q q 0 0 0 rg BT 457.19 104.10 Td (of ) Tj ET Q q 0 0 0 rg BT 467.24 104.10 Td (quality) Tj ET Q q 0 0 0 rg BT 494.37 104.10 Td (, ) Tj ET Q q 0 0 0 rg BT 498.59 104.10 Td (branded ) Tj ET Q q 0 0 0 rg BT 532.53 104.10 Td (durable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 92.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 91.25 92.10 Td (goods ) Tj ET Q q 0 0 0 rg BT 118.01 92.10 Td (and ) Tj ET Q q 0 0 0 rg BT 135.32 92.10 Td (related ) Tj ET Q q 0 0 0 rg BT 165.39 92.10 Td (services ) Tj ET Q q 0 0 0 rg BT 200.47 92.10 Td (in ) Tj ET Q q 0 0 0 rg BT 211.12 92.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 246.77 92.10 Td (to ) Tj ET Q q 0 0 0 rg BT 257.42 92.10 Td (a ) Tj ET Q q 0 0 0 rg BT 264.72 92.10 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 312.02 92.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 337.65 92.10 Td (solution ) Tj ET Q q 0 0 0 rg BT 372.75 92.10 Td (for ) Tj ET Q q 0 0 0 rg BT 387.28 92.10 Td (our ) Tj ET Q q 0 0 0 rg BT 403.48 92.10 Td (core ) Tj ET Q q 0 0 0 rg BT 423.56 92.10 Td (credit-constrained ) Tj ET Q q 0 0 0 rg BT 498.62 92.10 Td (consumers. ) Tj ET Q q 0 0 0 rg BT 546.76 92.10 Td ( ) Tj ET Q q 0 0 0 rg BT 549.42 92.10 Td (W) Tj ET Q q 0 0 0 rg BT 558.06 92.10 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 80.10 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.98 80.10 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.98 80.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.59 80.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 125.96 80.10 Td (segments: ) Tj ET Q q 0 0 0 rg BT 167.56 80.10 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 178.61 80.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 200.75 80.10 Td (and ) Tj ET Q q 0 0 0 rg BT 216.80 80.10 Td (\(ii\) ) Tj ET Q q 0 0 0 rg BT 230.62 80.10 Td (credit. ) Tj ET Q q 0 0 0 rg BT 257.49 80.10 Td ( ) Tj ET Q q 0 0 0 rg BT 259.10 80.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 276.26 80.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 315.63 80.10 Td (segments ) Tj ET Q q 0 0 0 rg BT 354.45 80.10 Td (complement ) Tj ET Q q 0 0 0 rg BT 405.49 80.10 Td (one ) Tj ET Q q 0 0 0 rg BT 421.53 80.10 Td (another) Tj ET Q q 0 0 0 rg BT 450.96 80.10 Td (. ) Tj ET Q q 0 0 0 rg BT 454.96 80.10 Td (The ) Tj ET Q q 0 0 0 rg BT 472.11 80.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 494.26 80.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 529.19 80.10 Td (operates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 68.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 89.25 68.10 Td (through ) Tj ET Q q 0 0 0 rg BT 122.90 68.10 Td (our ) Tj ET Q q 0 0 0 rg BT 138.77 68.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 164.64 68.10 Td (and ) Tj ET Q q 0 0 0 rg BT 181.61 68.10 Td (website ) Tj ET Q q 0 0 0 rg BT 214.70 68.10 Td (in ) Tj ET Q q 0 0 0 rg BT 225.02 68.10 Td (the ) Tj ET Q q 0 0 0 rg BT 239.77 68.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 262.85 68.10 Td (furniture ) Tj ET Q q 0 0 0 rg BT 300.38 68.10 Td (and ) Tj ET Q q 0 0 0 rg BT 317.36 68.10 Td (mattresses, ) Tj ET Q q 0 0 0 rg BT 364.05 68.10 Td (home ) Tj ET Q q 0 0 0 rg BT 388.81 68.10 Td (appliances, ) Tj ET Q q 0 0 0 rg BT 436.05 68.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 477.46 68.10 Td (electronics ) Tj ET Q q 0 0 0 rg BT 523.31 68.10 Td (and ) Tj ET Q q 0 0 0 rg BT 540.29 68.10 Td (home ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 56.10 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 56.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 76.52 56.10 Td (products ) Tj ET Q q 0 0 0 rg BT 114.84 56.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 155.11 56.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 174.54 56.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 198.97 56.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 236.17 56.10 Td (product ) Tj ET Q q 0 0 0 rg BT 270.60 56.10 Td (of) Tj ET Q q 0 0 0 rg BT 278.75 56.10 Td (ferings ) Tj ET Q q 0 0 0 rg BT 310.40 56.10 Td (include ) Tj ET Q q 0 0 0 rg BT 343.72 56.10 Td (furniture ) Tj ET Q q 0 0 0 rg BT 382.59 56.10 Td (and ) Tj ET Q q 0 0 0 rg BT 400.91 56.10 Td (mattresses, ) Tj ET Q q 0 0 0 rg BT 448.94 56.10 Td (home ) Tj ET Q q 0 0 0 rg BT 475.04 56.10 Td (appliances, ) Tj ET Q q 0 0 0 rg BT 523.63 56.10 Td (consumer ) Tj ET Q endstream endobj 173 0 obj <>] /Rotate 0 /Contents 174 0 R>> endobj 174 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (85) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 731.10 Td (electronics ) Tj ET Q q 0 0 0 rg BT 95.64 731.10 Td (and ) Tj ET Q q 0 0 0 rg BT 112.92 731.10 Td (home ) Tj ET Q q 0 0 0 rg BT 137.97 731.10 Td (of) Tj ET Q q 0 0 0 rg BT 146.12 731.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 163.93 731.10 Td (products ) Tj ET Q q 0 0 0 rg BT 201.21 731.10 Td (from ) Tj ET Q q 0 0 0 rg BT 223.48 731.10 Td (leading ) Tj ET Q q 0 0 0 rg BT 255.75 731.10 Td (global ) Tj ET Q q 0 0 0 rg BT 283.57 731.10 Td (brands ) Tj ET Q q 0 0 0 rg BT 313.07 731.10 Td (across ) Tj ET Q q 0 0 0 rg BT 340.89 731.10 Td (a ) Tj ET Q q 0 0 0 rg BT 348.16 731.10 Td (wide ) Tj ET Q q 0 0 0 rg BT 370.44 731.10 Td (range ) Tj ET Q q 0 0 0 rg BT 395.48 731.10 Td (of ) Tj ET Q q 0 0 0 rg BT 406.64 731.10 Td (price ) Tj ET Q q 0 0 0 rg BT 429.46 731.10 Td (points. ) Tj ET Q q 0 0 0 rg BT 459.24 731.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 477.63 731.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 503.22 731.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 539.38 731.10 Td (of) Tj ET Q q 0 0 0 rg BT 547.53 731.10 Td (fers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 719.10 Td (af) Tj ET Q q 0 0 0 rg BT 57.09 719.10 Td (fordable ) Tj ET Q q 0 0 0 rg BT 93.71 719.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 134.77 719.10 Td (solutions ) Tj ET Q q 0 0 0 rg BT 174.19 719.10 Td (to ) Tj ET Q q 0 0 0 rg BT 185.27 719.10 Td (a ) Tj ET Q q 0 0 0 rg BT 193.01 719.10 Td (lar) Tj ET Q q 0 0 0 rg BT 203.38 719.10 Td (ge, ) Tj ET Q q 0 0 0 rg BT 218.62 719.10 Td (under) Tj ET Q q 0 0 0 rg BT 241.19 719.10 Td (-served ) Tj ET Q q 0 0 0 rg BT 273.92 719.10 Td (population ) Tj ET Q q 0 0 0 rg BT 320.00 719.10 Td (of ) Tj ET Q q 0 0 0 rg BT 331.63 719.10 Td (credit-constrained ) Tj ET Q q 0 0 0 rg BT 407.12 719.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 453.19 719.10 Td (who ) Tj ET Q q 0 0 0 rg BT 473.71 719.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 512.00 719.10 Td (have ) Tj ET Q q 0 0 0 rg BT 534.18 719.10 Td (limited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 707.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 74.57 707.10 Td (alternatives. ) Tj ET Q q 0 0 0 rg BT 125.46 707.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 143.31 707.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 183.38 707.10 Td (segments ) Tj ET Q q 0 0 0 rg BT 222.90 707.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 255.75 707.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 298.59 707.10 Td (the ) Tj ET Q q 0 0 0 rg BT 313.11 707.10 Td (opportunity ) Tj ET Q q 0 0 0 rg BT 362.08 707.10 Td (to ) Tj ET Q q 0 0 0 rg BT 372.16 707.10 Td (comparison ) Tj ET Q q 0 0 0 rg BT 421.12 707.10 Td (shop ) Tj ET Q q 0 0 0 rg BT 442.31 707.10 Td (across ) Tj ET Q q 0 0 0 rg BT 469.60 707.10 Td (brands ) Tj ET Q q 0 0 0 rg BT 498.57 707.10 Td (with ) Tj ET Q q 0 0 0 rg BT 518.65 707.10 Td (confidence ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 695.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.65 695.10 Td (our ) Tj ET Q q 0 0 0 rg BT 75.36 695.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 124.94 695.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 151.19 695.10 Td (as ) Tj ET Q q 0 0 0 rg BT 161.90 695.10 Td (well ) Tj ET Q q 0 0 0 rg BT 181.49 695.10 Td (as ) Tj ET Q q 0 0 0 rg BT 192.19 695.10 Td (af) Tj ET Q q 0 0 0 rg BT 199.78 695.10 Td (fordable ) Tj ET Q q 0 0 0 rg BT 235.47 695.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 271.18 695.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 307.99 695.10 Td (options, ) Tj ET Q q 0 0 0 rg BT 342.31 695.10 Td (next ) Tj ET Q q 0 0 0 rg BT 361.90 695.10 Td (day ) Tj ET Q q 0 0 0 rg BT 378.71 695.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 413.85 695.10 Td (and ) Tj ET Q q 0 0 0 rg BT 430.66 695.10 Td (installation ) Tj ET Q q 0 0 0 rg BT 477.48 695.10 Td (in ) Tj ET Q q 0 0 0 rg BT 487.63 695.10 Td (the ) Tj ET Q q 0 0 0 rg BT 502.22 695.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 538.48 695.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.18 695.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 683.10 Td (markets, ) Tj ET Q q 0 0 0 rg BT 87.25 683.10 Td (and ) Tj ET Q q 0 0 0 rg BT 105.27 683.10 Td (product ) Tj ET Q q 0 0 0 rg BT 139.41 683.10 Td (repair ) Tj ET Q q 0 0 0 rg BT 166.32 683.10 Td (service. ) Tj ET Q q 0 0 0 rg BT 200.46 683.10 Td (W) Tj ET Q q 0 0 0 rg BT 209.10 683.10 Td (e ) Tj ET Q q 0 0 0 rg BT 217.13 683.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 249.59 683.10 Td (our ) Tj ET Q q 0 0 0 rg BT 266.51 683.10 Td (lar) Tj ET Q q 0 0 0 rg BT 276.88 683.10 Td (ge, ) Tj ET Q q 0 0 0 rg BT 292.41 683.10 Td (attractively ) Tj ET Q q 0 0 0 rg BT 340.97 683.10 Td (merchandised ) Tj ET Q q 0 0 0 rg BT 400.10 683.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 424.23 683.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 451.15 683.10 Td (and ) Tj ET Q q 0 0 0 rg BT 469.18 683.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 495.53 683.10 Td (solutions ) Tj ET Q q 0 0 0 rg BT 535.24 683.10 Td (of) Tj ET Q q 0 0 0 rg BT 543.39 683.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 558.08 683.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 671.10 Td (distinctive ) Tj ET Q q 0 0 0 rg BT 92.82 671.10 Td (value ) Tj ET Q q 0 0 0 rg BT 116.13 671.10 Td (proposition ) Tj ET Q q 0 0 0 rg BT 163.35 671.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 204.43 671.10 Td (to ) Tj ET Q q 0 0 0 rg BT 213.87 671.10 Td (other ) Tj ET Q q 0 0 0 rg BT 236.08 671.10 Td (retailers ) Tj ET Q q 0 0 0 rg BT 269.94 671.10 Td (that ) Tj ET Q q 0 0 0 rg BT 286.59 671.10 Td (tar) Tj ET Q q 0 0 0 rg BT 296.96 671.10 Td (get ) Tj ET Q q 0 0 0 rg BT 310.83 671.10 Td (our ) Tj ET Q q 0 0 0 rg BT 325.82 671.10 Td (core ) Tj ET Q q 0 0 0 rg BT 344.69 671.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 383.00 671.10 Td (demographic. ) Tj ET Q q 0 0 0 rg BT 439.37 671.10 Td ( ) Tj ET Q q 0 0 0 rg BT 440.90 671.10 Td (The ) Tj ET Q q 0 0 0 rg BT 458.11 671.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 497.53 671.10 Td (segments ) Tj ET Q q 0 0 0 rg BT 536.41 671.10 Td (follow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 659.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.22 659.10 Td (same ) Tj ET Q q 0 0 0 rg BT 87.26 659.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 133.64 659.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 167.24 659.10 Td (used ) Tj ET Q q 0 0 0 rg BT 188.07 659.10 Td (in ) Tj ET Q q 0 0 0 rg BT 198.35 659.10 Td (our ) Tj ET Q q 0 0 0 rg BT 214.18 659.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 267.22 659.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 304.70 659.10 Td (statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 641.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 641.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.64 641.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 102.01 641.10 Td (a ) Tj ET Q q 0 0 0 rg BT 109.51 641.10 Td (segment) Tj ET Q q 0 0 0 rg BT 145.62 641.10 Td (s ) Tj ET Q q 0 0 0 rg BT 152.57 641.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 206.16 641.10 Td (based ) Tj ET Q q 0 0 0 rg BT 231.99 641.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 255.05 641.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 295.88 641.10 Td (income ) Tj ET Q q 0 0 0 rg BT 328.38 641.10 Td (before ) Tj ET Q q 0 0 0 rg BT 356.98 641.10 Td (taxes. ) Tj ET Q q 0 0 0 rg BT 383.09 641.10 Td ( ) Tj ET Q q 0 0 0 rg BT 386.15 641.10 Td (Selling, ) Tj ET Q q 0 0 0 rg BT 420.05 641.10 Td (general ) Tj ET Q q 0 0 0 rg BT 452.53 641.10 Td (and ) Tj ET Q q 0 0 0 rg BT 470.03 641.10 Td (administrative ) Tj ET Q q 0 0 0 rg BT 530.30 641.10 Td (expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 629.10 Td (include ) Tj ET Q q 0 0 0 rg BT 81.41 629.10 Td (the ) Tj ET Q q 0 0 0 rg BT 96.10 629.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 121.34 629.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 159.92 629.10 Td (of ) Tj ET Q q 0 0 0 rg BT 170.72 629.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.41 629.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 208.43 629.10 Td (and ) Tj ET Q q 0 0 0 rg BT 225.34 629.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 250.58 629.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 297.21 629.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 335.78 629.10 Td (overhead ) Tj ET Q q 0 0 0 rg BT 374.90 629.10 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 415.97 629.10 Td (and ) Tj ET Q q 0 0 0 rg BT 432.89 629.10 Td (a ) Tj ET Q q 0 0 0 rg BT 439.80 629.10 Td (char) Tj ET Q q 0 0 0 rg BT 456.83 629.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 468.74 629.10 Td (to ) Tj ET Q q 0 0 0 rg BT 479.00 629.10 Td (the ) Tj ET Q q 0 0 0 rg BT 493.69 629.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 518.93 629.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 554.73 629.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 617.10 Td (reimburse ) Tj ET Q q 0 0 0 rg BT 91.85 617.10 Td (the ) Tj ET Q q 0 0 0 rg BT 106.43 617.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 129.34 617.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 165.03 617.10 Td (for ) Tj ET Q q 0 0 0 rg BT 179.06 617.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 217.52 617.10 Td (it ) Tj ET Q q 0 0 0 rg BT 225.44 617.10 Td (incurs ) Tj ET Q q 0 0 0 rg BT 252.25 617.10 Td (related ) Tj ET Q q 0 0 0 rg BT 281.82 617.10 Td (to ) Tj ET Q q 0 0 0 rg BT 291.96 617.10 Td (occupancy) Tj ET Q q 0 0 0 rg BT 334.07 617.10 Td (, ) Tj ET Q q 0 0 0 rg BT 338.93 617.10 Td (personnel, ) Tj ET Q q 0 0 0 rg BT 382.67 617.10 Td (advertising ) Tj ET Q q 0 0 0 rg BT 429.47 617.10 Td (and ) Tj ET Q q 0 0 0 rg BT 446.28 617.10 Td (other ) Tj ET Q q 0 0 0 rg BT 469.19 617.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 494.32 617.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 516.69 617.10 Td (of ) Tj ET Q q 0 0 0 rg BT 527.38 617.10 Td (the ) Tj ET Q q 0 0 0 rg BT 541.96 617.10 Td (retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 605.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 85.44 605.10 Td (which ) Tj ET Q q 0 0 0 rg BT 112.49 605.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 142.87 605.10 Td (the ) Tj ET Q q 0 0 0 rg BT 157.70 605.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 183.08 605.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 227.35 605.10 Td (by ) Tj ET Q q 0 0 0 rg BT 239.96 605.10 Td (sourcing ) Tj ET Q q 0 0 0 rg BT 277.01 605.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 302.39 605.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 345.55 605.10 Td (and ) Tj ET Q q 0 0 0 rg BT 362.60 605.10 Td (collecting ) Tj ET Q q 0 0 0 rg BT 404.64 605.10 Td (payments. ) Tj ET Q q 0 0 0 rg BT 447.89 605.10 Td (The ) Tj ET Q q 0 0 0 rg BT 466.06 605.10 Td (reimbursement ) Tj ET Q q 0 0 0 rg BT 528.65 605.10 Td (received ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 593.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.36 593.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.44 593.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 100.85 593.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 137.04 593.10 Td (from ) Tj ET Q q 0 0 0 rg BT 159.34 593.10 Td (the ) Tj ET Q q 0 0 0 rg BT 174.42 593.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 200.04 593.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 236.23 593.10 Td (is ) Tj ET Q q 0 0 0 rg BT 245.76 593.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 286.95 593.10 Td (using ) Tj ET Q q 0 0 0 rg BT 311.48 593.10 Td (an ) Tj ET Q q 0 0 0 rg BT 323.78 593.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 353.30 593.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 371.15 593.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.34 593.10 Td (2.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.17 593.10 Td ( ) Tj ET Q q 0 0 0 rg BT 406.03 593.10 Td (times ) Tj ET Q q 0 0 0 rg BT 430.56 593.10 Td (the ) Tj ET Q q 0 0 0 rg BT 445.64 593.10 Td (average ) Tj ET Q q 0 0 0 rg BT 479.59 593.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 517.44 593.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 550.84 593.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 581.10 Td (each ) Tj ET Q q 0 0 0 rg BT 70.32 581.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 113.90 581.10 Td (period. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 563.10 Td (As ) Tj ET Q q 0 0 0 rg BT 62.98 563.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.68 563.10 Td (January31, ) Tj ET Q q 0 0 0 rg BT 122.15 563.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.15 563.10 Td (, ) Tj ET Q q 0 0 0 rg BT 147.02 563.10 Td (we ) Tj ET Q q 0 0 0 rg BT 161.06 563.10 Td (operated ) Tj ET Q q 0 0 0 rg BT 197.85 563.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 220.76 563.10 Td (stores ) Tj ET Q q 0 0 0 rg BT 246.46 563.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.61 563.10 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.61 563.10 Td ( ) Tj ET Q q 0 0 0 rg BT 268.98 563.10 Td (states ) Tj ET Q q 0 0 0 rg BT 293.57 563.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.72 563.10 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.72 563.10 Td ( ) Tj ET Q q 0 0 0 rg BT 326.09 563.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 370.12 563.10 Td (outside ) Tj ET Q q 0 0 0 rg BT 401.37 563.10 Td (of ) Tj ET Q q 0 0 0 rg BT 412.07 563.10 Td (the ) Tj ET Q q 0 0 0 rg BT 426.66 563.10 Td (United ) Tj ET Q q 0 0 0 rg BT 456.25 563.10 Td (States. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.01 563.10 Td (No) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.23 563.10 Td ( ) Tj ET Q q 0 0 0 rg BT 499.60 563.10 Td (single ) Tj ET Q q 0 0 0 rg BT 525.85 563.10 Td (customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 551.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 86.99 551.10 Td (for ) Tj ET Q q 0 0 0 rg BT 101.15 551.10 Td (more ) Tj ET Q q 0 0 0 rg BT 124.19 551.10 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.91 551.10 Td (10%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.24 551.10 Td ( ) Tj ET Q q 0 0 0 rg BT 164.74 551.10 Td (of ) Tj ET Q q 0 0 0 rg BT 175.57 551.10 Td (our ) Tj ET Q q 0 0 0 rg BT 191.40 551.10 Td (total ) Tj ET Q q 0 0 0 rg BT 211.67 551.10 Td (revenues. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 533.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 89.21 533.10 Td (information ) Tj ET Q q 0 0 0 rg BT 138.92 533.10 Td (by ) Tj ET Q q 0 0 0 rg BT 151.42 533.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 187.25 533.10 Td (is ) Tj ET Q q 0 0 0 rg BT 196.42 533.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 237.23 533.10 Td (in ) Tj ET Q q 0 0 0 rg BT 247.51 533.10 Td (the ) Tj ET Q q 0 0 0 rg BT 262.23 533.10 Td (following ) Tj ET Q q 0 0 0 rg BT 303.62 533.10 Td (tables:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 486.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 486.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 486.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 486.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 486.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 486.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 456.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 456.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 456.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 456.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 456.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 456.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 426.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 426.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 426.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 426.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 426.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 426.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 396.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 396.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 396.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 396.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 396.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 396.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 366.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 366.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 366.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 366.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 366.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 366.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 336.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 336.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 336.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 336.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 336.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 336.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 306.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 306.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 306.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 306.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 306.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 306.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 276.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 276.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 276.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 276.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 276.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 276.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 246.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 246.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 246.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 246.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 246.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 246.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 216.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 216.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 216.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 216.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 216.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 216.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 186.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 186.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 186.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 186.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 186.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 186.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 156.60 309.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 156.60 65.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 156.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 156.60 65.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 156.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 156.60 65.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 121.60 309.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 121.60 65.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 121.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 121.60 65.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 121.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 121.60 65.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 63.60 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 63.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 63.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 63.60 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 63.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 63.60 65.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 501.6 m 424 501.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 501.6 m 428 501.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 501.6 m 493 501.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 501.6 m 497 501.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 501.6 m 562 501.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 486.6 m 424 486.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 486.6 m 493 486.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 486.6 m 562 486.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 396.6 m 424 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 396.6 m 493 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 396.6 m 562 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 351.6 m 424 351.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 351.6 m 493 351.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 351.6 m 562 351.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 321.6 m 424 321.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 306.6 m 424 306.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 321.6 m 493 321.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 306.6 m 493 306.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 321.6 m 562 321.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 306.6 m 562 306.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 231.60000000000002 m 424 231.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 231.60000000000002 m 493 231.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 231.60000000000002 m 562 231.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 216.60000000000002 m 424 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 216.60000000000002 m 493 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 216.60000000000002 m 562 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 171.60000000000002 m 424 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 171.60000000000002 m 493 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 171.60000000000002 m 562 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 171.60000000000002 m 424 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 157.60000000000002 m 424 157.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 155.60000000000002 m 424 155.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 171.60000000000002 m 493 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 157.60000000000002 m 493 157.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 155.60000000000002 m 493 155.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 171.60000000000002 m 562 171.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 157.60000000000002 m 562 157.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 155.60000000000002 m 562 155.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 155.60000000000002 m 424 155.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 157.60000000000002 m 424 157.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 155.60000000000002 m 493 155.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 157.60000000000002 m 493 157.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 155.60000000000002 m 562 155.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 157.60000000000002 m 562 157.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 78.60000000000002 m 424 78.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 78.60000000000002 m 428 78.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 78.60000000000002 m 493 78.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 78.60000000000002 m 497 78.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 78.60000000000002 m 562 78.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 63.60000000000002 m 424 63.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 63.60000000000002 m 493 63.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 63.60000000000002 m 562 63.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 63.60000000000002 m 424 63.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 49.60000000000002 m 424 49.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 47.60000000000002 m 424 47.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 63.60000000000002 m 493 63.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 49.60000000000002 m 493 49.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 47.60000000000002 m 493 47.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 49.60000000000002 m 562 49.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 47.60000000000002 m 562 47.60000000000002 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 506.27 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.25 506.28 Td (Y) Tj ET Q q 0 0 0 rg BT 404.92 506.28 Td (ear) Tj ET Q q 0 0 0 rg BT 418.15 506.28 Td ( ended January 31, 2018) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 491.31 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.20 491.28 Td (Retail) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.20 491.28 Td (Cr) Tj ET Q q 0 0 0 rg BT 457.77 491.28 Td (edit) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.05 491.28 Td (T) Tj ET Q q 0 0 0 rg BT 524.26 491.28 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 476.28 Td (Revenues:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 476.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 476.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 476.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 461.27 Td (Furniture and mattress) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 461.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 461.27 Td (393,853) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 461.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 461.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 461.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 461.27 Td (393,853) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 446.27 Td (Home appliance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 446.27 Td (337,538) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 446.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 446.27 Td (337,538) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 431.27 Td (Consumer electronic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 431.27 Td (248,727) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 431.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 431.27 Td (248,727) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 416.27 Td (Home of) Tj ET Q q 0 0 0 rg BT 87.68 416.27 Td (fice) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 416.27 Td (80,330) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 416.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 416.27 Td (80,330) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 401.27 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 401.27 Td (17,426) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 401.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 401.27 Td (17,426) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 386.27 Td (Product sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.15 386.27 Td (1,077,874) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 386.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.15 386.27 Td (1,077,874) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 371.27 Td (Repair service agreement commissions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 371.27 Td (100,383) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 371.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 371.27 Td (100,383) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 356.27 Td (Service revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 356.27 Td (13,710) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 356.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 356.27 Td (13,710) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 341.27 Td (T) Tj ET Q q 0 0 0 rg BT 63.91 341.27 Td (otal net sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.15 341.27 Td (1,191,967) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 341.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.15 341.27 Td (1,191,967) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 326.27 Td (Finance char) Tj ET Q q 0 0 0 rg BT 103.77 326.27 Td (ges and other revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.15 326.27 Td (341) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.65 326.27 Td (323,723) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 326.27 Td (324,064) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 311.28 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 311.28 Td (otal r) Tj ET Q q 0 0 0 rg BT 87.21 311.28 Td (evenues) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.15 311.28 Td (1,192,308) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.65 311.28 Td (323,723) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.15 311.28 Td (1,516,031) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 296.28 Td (Costs and expenses:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.50 296.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.50 296.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.50 296.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 281.27 Td (Cost of goods sold) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 281.27 Td (720,344) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 281.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 281.27 Td (720,344) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 266.27 Td (Selling, general and administrative expense) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 226.61 270.80 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 266.27 Td (316,325) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.65 266.27 Td (134,088) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 266.27 Td (450,413) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 251.27 Td (Provision for bad debts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.15 251.27 Td (829) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.65 251.27 Td (216,046) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 251.27 Td (216,875) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 236.27 Td (Char) Tj ET Q q 0 0 0 rg BT 71.85 236.27 Td (ges and credits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 236.27 Td (13,331) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 236.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 236.27 Td (13,331) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 221.28 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 221.28 Td (otal costs and expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.15 221.28 Td (1,050,829) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.65 221.28 Td (350,134) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.15 221.28 Td (1,400,963) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 64.50 206.28 Td (Operating income \(loss\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 206.28 Td (141,479) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.30 206.33 Td (\(26,41) Tj ET Q q 0 0 0 rg BT 484.13 206.33 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.15 206.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 525.65 206.28 Td (1) Tj ET Q q 0 0 0 rg BT 530.65 206.28 Td (15,068) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 191.27 Td (Interest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 191.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 191.27 Td (80,160) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 191.27 Td (80,160) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 176.27 Td (Loss on early extinguishment of debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 176.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 176.27 Td (3,274) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 176.27 Td (3,274) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 161.28 Td (Income \(loss\) befor) Tj ET Q q 0 0 0 rg BT 139.97 161.28 Td (e income taxes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 361.50 161.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 161.28 Td (141,479) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 430.50 161.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.30 161.33 Td (\(109,845) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.15 161.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.50 161.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 530.65 161.28 Td (31,634) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 141.28 Td (Additional Disclosur) Tj ET Q q 0 0 0 rg BT 140.48 141.28 Td (es:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 126.27 Td (Property and equipment additions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 126.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 126.27 Td (16,876) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 126.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 126.27 Td (42) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 126.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 126.27 Td (16,918) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 105.27 Td (Depreciation expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 105.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 105.27 Td (30,065) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 105.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.15 105.27 Td (741) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 105.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 105.27 Td (30,806) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 83.27 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 423.45 83.28 Td (January 31, 2018) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 68.31 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.20 68.28 Td (Retail) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.20 68.28 Td (Cr) Tj ET Q q 0 0 0 rg BT 457.77 68.28 Td (edit) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.05 68.28 Td (T) Tj ET Q q 0 0 0 rg BT 523.80 68.28 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 53.28 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 53.28 Td (otal assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 361.50 53.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 53.28 Td (344,327) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 430.50 53.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 449.15 53.28 Td (1,556,472) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.50 53.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.15 53.28 Td (1,900,799) Tj ET Q endstream endobj 175 0 obj <>] /Rotate 0 /Contents 176 0 R>> endobj 176 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (86) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 709.50 309.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 709.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 709.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 709.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 709.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 709.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 681.50 309.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 681.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 681.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 681.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 681.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 681.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 653.50 309.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 653.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 653.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 653.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 653.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 653.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 625.50 309.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 625.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 625.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 625.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 625.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 625.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 597.50 309.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 597.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 597.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 597.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 597.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 597.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 569.50 309.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 569.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 569.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 569.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 569.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 569.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 541.50 309.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 541.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 541.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 541.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 541.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 541.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 513.50 309.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 513.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 513.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 513.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 513.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 513.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 485.50 309.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 485.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 485.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 485.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 485.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 485.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 457.50 309.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 457.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 457.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 457.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 457.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 457.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 429.50 309.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 429.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 429.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 429.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 429.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 429.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 380.50 309.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 380.50 65.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 380.50 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 380.50 65.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 380.50 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 380.50 65.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 326.50 309.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 326.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 326.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 326.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 326.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 326.50 65.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 723.5 m 424 723.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 723.5 m 428 723.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 723.5 m 493 723.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 723.5 m 497 723.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 723.5 m 562 723.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 709.5 m 424 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 709.5 m 493 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 709.5 m 562 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 625.5 m 424 625.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 625.5 m 493 625.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 625.5 m 562 625.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 625.5 m 424 625.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 583.5 m 424 583.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 583.5 m 493 583.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 583.5 m 562 583.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 555.5 m 424 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 555.5 m 493 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 555.5 m 562 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 541.5 m 424 541.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 555.5 m 493 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 541.5 m 493 541.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 555.5 m 562 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 541.5 m 562 541.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 471.5 m 424 471.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 471.5 m 493 471.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 471.5 m 562 471.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 457.5 m 424 457.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 457.5 m 493 457.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 457.5 m 562 457.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 457.5 m 424 457.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 457.5 m 493 457.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 429.5 m 424 429.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 416.5 m 424 416.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 414.5 m 424 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 429.5 m 493 429.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 416.5 m 493 416.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 414.5 m 493 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 429.5 m 562 429.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 416.5 m 562 416.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 414.5 m 562 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 414.5 m 424 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 416.5 m 424 416.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 414.5 m 493 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 416.5 m 493 416.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 414.5 m 562 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 416.5 m 562 416.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 340.5 m 424 340.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 340.5 m 428 340.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 340.5 m 493 340.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 340.5 m 497 340.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 340.5 m 562 340.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 326.5 m 424 326.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 326.5 m 493 326.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 326.5 m 562 326.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 326.5 m 424 326.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 313.5 m 424 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 311.5 m 424 311.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 326.5 m 493 326.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 313.5 m 493 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 311.5 m 493 311.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 313.5 m 562 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 311.5 m 562 311.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 728.07 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.25 728.18 Td (Y) Tj ET Q q 0 0 0 rg BT 404.92 728.18 Td (ear) Tj ET Q q 0 0 0 rg BT 418.15 728.18 Td ( ended January 31, 2017) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 714.06 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.20 714.18 Td (Retail) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.20 714.18 Td (Cr) Tj ET Q q 0 0 0 rg BT 457.77 714.18 Td (edit) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.05 714.18 Td (T) Tj ET Q q 0 0 0 rg BT 524.26 714.18 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 700.18 Td (Revenues:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 700.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 700.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 700.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 686.07 Td (Furniture and mattress) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 686.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 686.07 Td (421,055) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 686.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 686.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 686.07 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 686.07 Td (421,055) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 672.07 Td (Home appliance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 672.07 Td (358,771) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 672.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 672.07 Td (358,771) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 658.07 Td (Consumer electronic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 658.07 Td (293,685) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 658.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 658.07 Td (293,685) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 644.07 Td (Home of) Tj ET Q q 0 0 0 rg BT 87.68 644.07 Td (fice) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 644.07 Td (92,404) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 644.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 644.07 Td (92,404) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 630.07 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 630.07 Td (20,282) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 630.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 630.07 Td (20,282) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 616.07 Td (Product sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.15 616.07 Td (1,186,197) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 616.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.15 616.07 Td (1,186,197) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 602.07 Td (Repair service agreement commissions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 602.07 Td (1) Tj ET Q q 0 0 0 rg BT 392.65 602.07 Td (13,615) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 602.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 602.07 Td (1) Tj ET Q q 0 0 0 rg BT 530.65 602.07 Td (13,615) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 588.07 Td (Service revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 588.07 Td (14,659) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 588.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 588.07 Td (14,659) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 574.07 Td (T) Tj ET Q q 0 0 0 rg BT 63.91 574.07 Td (otal net sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.15 574.07 Td (1,314,471) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 574.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.15 574.07 Td (1,314,471) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 560.07 Td (Finance char) Tj ET Q q 0 0 0 rg BT 103.77 560.07 Td (ges and other revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 560.07 Td (1,569) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.65 560.07 Td (280,808) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 560.07 Td (282,377) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 546.18 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 546.18 Td (otal r) Tj ET Q q 0 0 0 rg BT 87.21 546.18 Td (evenues) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.15 546.18 Td (1,316,040) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.65 546.18 Td (280,808) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.15 546.18 Td (1,596,848) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 532.18 Td (Costs and expenses:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.50 532.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.50 532.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.50 532.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 518.07 Td (Cost of goods sold) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 518.07 Td (823,082) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 518.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 518.07 Td (823,082) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 504.07 Td (Selling, general and administrative expense) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 226.61 508.60 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 504.07 Td (326,078) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.65 504.07 Td (134,818) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 504.07 Td (460,896) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 490.07 Td (Provision for bad debts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.15 490.07 Td (990) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.65 490.07 Td (241,304) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 490.07 Td (242,294) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 476.07 Td (Char) Tj ET Q q 0 0 0 rg BT 71.85 476.07 Td (ges and credits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 476.07 Td (6,478) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 476.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 476.07 Td (6,478) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 462.18 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 462.18 Td (otal costs and expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.15 462.18 Td (1,156,628) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.65 462.18 Td (376,122) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.15 462.18 Td (1,532,750) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 64.50 448.18 Td (Operating income \(loss\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 448.18 Td (159,412) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.30 448.23 Td (\(95,314) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.15 448.18 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 530.65 448.18 Td (64,098) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 434.07 Td (Interest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 434.07 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 434.07 Td (98,615) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 434.07 Td (98,615) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 420.18 Td (Income \(loss\) befor) Tj ET Q q 0 0 0 rg BT 139.97 420.18 Td (e income taxes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 361.50 420.18 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 420.18 Td (159,412) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 430.50 420.18 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.30 420.23 Td (\(193,929) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.15 420.18 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.50 420.18 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.30 420.23 Td (\(34,517) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.15 420.18 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 400.18 Td (Additional Disclosur) Tj ET Q q 0 0 0 rg BT 140.48 400.18 Td (es:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 385.17 Td (Property and equipment additions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 385.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 385.17 Td (46,374) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 385.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.15 385.17 Td (182) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 385.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 385.17 Td (46,556) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 365.17 Td (Depreciation expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 365.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 365.17 Td (28,063) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 365.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.15 365.17 Td (783) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 365.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 365.17 Td (28,846) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 345.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 423.45 345.18 Td (January 31, 2017) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 331.06 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.20 331.18 Td (Retail) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.20 331.18 Td (Cr) Tj ET Q q 0 0 0 rg BT 457.77 331.18 Td (edit) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.05 331.18 Td (T) Tj ET Q q 0 0 0 rg BT 523.80 331.18 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 317.18 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 317.18 Td (otal assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 361.50 317.18 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 317.18 Td (332,61) Tj ET Q q 0 0 0 rg BT 415.15 317.18 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 430.50 317.18 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 449.15 317.18 Td (1,608,523) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.50 317.18 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.15 317.18 Td (1,941,134) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 177 0 obj <>] /Rotate 0 /Contents 178 0 R>> endobj 178 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (87) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 707.50 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 707.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 707.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 707.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 707.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 707.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 677.50 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 677.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 677.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 677.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 677.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 677.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 647.50 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 647.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 647.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 647.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 647.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 647.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 617.50 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 617.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 617.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 617.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 617.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 617.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 587.50 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 587.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 587.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 587.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 587.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 587.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 557.50 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 557.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 557.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 557.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 557.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 557.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 527.50 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 527.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 527.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 527.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 527.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 527.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 497.50 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 497.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 497.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 497.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 497.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 497.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 467.50 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 467.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 467.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 467.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 467.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 467.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 437.50 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 437.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 437.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 437.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 437.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 437.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 407.50 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 407.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 407.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 407.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 407.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 407.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 377.50 309.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 377.50 65.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 377.50 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 377.50 65.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 377.50 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 377.50 65.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 342.50 309.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 342.50 65.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 342.50 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 342.50 65.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 342.50 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 342.50 65.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 286.50 309.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 286.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 286.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 286.50 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 286.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 286.50 65.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 722.5 m 424 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 722.5 m 428 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 722.5 m 493 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 722.5 m 497 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 722.5 m 562 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 707.5 m 424 707.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 707.5 m 493 707.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 707.5 m 562 707.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 617.5 m 424 617.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 617.5 m 493 617.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 617.5 m 562 617.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 617.5 m 424 617.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 572.5 m 424 572.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 572.5 m 493 572.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 572.5 m 562 572.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 542.5 m 424 542.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 542.5 m 424 542.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 527.5 m 424 527.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 542.5 m 493 542.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 527.5 m 493 527.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 542.5 m 562 542.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 527.5 m 562 527.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 452.5 m 424 452.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 452.5 m 493 452.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 452.5 m 562 452.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 437.5 m 424 437.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 437.5 m 493 437.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 437.5 m 562 437.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 437.5 m 424 437.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 392.5 m 424 392.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 378.5 m 424 378.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 376.5 m 424 376.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 392.5 m 493 392.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 378.5 m 493 378.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 376.5 m 493 376.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 392.5 m 562 392.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 378.5 m 562 378.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 376.5 m 562 376.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 301.5 m 424 301.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 301.5 m 428 301.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 301.5 m 493 301.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 301.5 m 497 301.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 301.5 m 562 301.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 286.5 m 424 286.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 286.5 m 493 286.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 286.5 m 562 286.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 272.5 m 424 272.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 270.5 m 424 270.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 272.5 m 493 272.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 270.5 m 493 270.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 272.5 m 562 272.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 270.5 m 562 270.5 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 727.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.25 727.18 Td (Y) Tj ET Q q 0 0 0 rg BT 404.92 727.18 Td (ear) Tj ET Q q 0 0 0 rg BT 418.15 727.18 Td ( ended January 31, 2016) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 712.21 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.20 712.18 Td (Retail) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.20 712.18 Td (Cr) Tj ET Q q 0 0 0 rg BT 457.77 712.18 Td (edit) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.05 712.18 Td (T) Tj ET Q q 0 0 0 rg BT 524.26 712.18 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 697.18 Td (Revenues:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 697.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 697.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 697.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 682.17 Td (Furniture and mattress) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 682.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 682.17 Td (409,788) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 682.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 682.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 682.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 682.17 Td (409,788) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 667.17 Td (Home appliance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 667.17 Td (356,634) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 667.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 667.17 Td (356,634) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 652.17 Td (Consumer electronic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 652.17 Td (312,009) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 652.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 652.17 Td (312,009) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 637.17 Td (Home of) Tj ET Q q 0 0 0 rg BT 87.68 637.17 Td (fice) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 637.17 Td (101,365) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 637.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 637.17 Td (101,365) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 622.17 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 622.17 Td (19,338) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 622.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 622.17 Td (19,338) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 607.17 Td (Product sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.15 607.17 Td (1,199,134) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 607.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.15 607.17 Td (1,199,134) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 592.17 Td (Repair service agreement commissions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 592.17 Td (109,730) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 592.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 592.17 Td (109,730) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 577.17 Td (Service revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 577.17 Td (13,725) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 577.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 577.17 Td (13,725) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 562.17 Td (T) Tj ET Q q 0 0 0 rg BT 63.91 562.17 Td (otal net sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.15 562.17 Td (1,322,589) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 562.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.15 562.17 Td (1,322,589) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 547.17 Td (Finance char) Tj ET Q q 0 0 0 rg BT 103.77 547.17 Td (ges and other revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 547.17 Td (1,639) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.65 547.17 Td (288,950) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 547.17 Td (290,589) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 532.18 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 532.18 Td (otal r) Tj ET Q q 0 0 0 rg BT 87.21 532.18 Td (evenues) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.15 532.18 Td (1,324,228) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.65 532.18 Td (288,950) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.15 532.18 Td (1,613,178) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 517.18 Td (Costs and expenses:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.50 517.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.50 517.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.50 517.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 502.17 Td (Cost of goods sold) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 502.17 Td (833,126) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 502.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 502.17 Td (833,126) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 487.17 Td (Selling, general and administrative expense) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 226.61 491.70 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 487.17 Td (313,694) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.65 487.17 Td (122,421) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 487.17 Td (436,1) Tj ET Q q 0 0 0 rg BT 548.15 487.17 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 472.17 Td (Provision for bad debts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.15 472.17 Td (791) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.65 472.17 Td (221,386) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 472.17 Td (222,177) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 457.17 Td (Char) Tj ET Q q 0 0 0 rg BT 71.85 457.17 Td (ges and credits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 457.17 Td (8,044) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 457.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 457.17 Td (8,044) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 442.18 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 442.18 Td (otal cost and expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.15 442.18 Td (1,155,655) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.65 442.18 Td (343,807) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.15 442.18 Td (1,499,462) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 64.50 427.18 Td (Operating income \(loss\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 427.18 Td (168,573) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.30 427.23 Td (\(54,857) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.15 427.18 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 525.65 427.18 Td (1) Tj ET Q q 0 0 0 rg BT 530.65 427.18 Td (13,716) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 412.17 Td (Interest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 412.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 412.17 Td (63,106) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 412.17 Td (63,106) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 397.17 Td (Loss from early extinguishment of debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 397.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 397.17 Td (1,367) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 397.17 Td (1,367) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 382.18 Td (Income \(loss\) befor) Tj ET Q q 0 0 0 rg BT 139.97 382.18 Td (e income taxes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 361.50 382.18 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 382.18 Td (168,573) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 430.50 382.18 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.30 382.23 Td (\(1) Tj ET Q q 0 0 0 rg BT 461.63 382.23 Td (19,330) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.15 382.18 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.50 382.18 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 530.65 382.18 Td (49,243) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 362.18 Td (Additional Disclosur) Tj ET Q q 0 0 0 rg BT 140.48 362.18 Td (es:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 347.17 Td (Property and equipment additions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 347.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 347.17 Td (63,262) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 347.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.15 347.17 Td (143) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 347.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 347.17 Td (63,405) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 327.17 Td (Depreciation expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 327.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 327.17 Td (21,995) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 327.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.15 327.17 Td (71) Tj ET Q q 0 0 0 rg BT 484.15 327.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 327.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 327.17 Td (22,706) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 306.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 423.45 306.18 Td (January 31, 2016) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 291.21 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.20 291.18 Td (Retail) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.20 291.18 Td (Cr) Tj ET Q q 0 0 0 rg BT 457.77 291.18 Td (edit) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.05 291.18 Td (T) Tj ET Q q 0 0 0 rg BT 523.80 291.18 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 276.18 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 276.18 Td (otal assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 361.50 276.18 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 276.18 Td (314,857) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 430.50 276.18 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 449.15 276.18 Td (1,710,443) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.50 276.18 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.15 276.18 Td (2,025,300) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 254.00 Td (\(1\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.50 254.00 Td (For ) Tj ET Q q 0 0 0 rg BT 92.22 254.00 Td (the ) Tj ET Q q 0 0 0 rg BT 106.27 254.00 Td (years ) Tj ET Q q 0 0 0 rg BT 129.20 254.00 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.90 254.00 Td (January31, ) Tj ET Q q 0 0 0 rg BT 202.83 254.00 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.83 254.00 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.16 254.00 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.16 254.00 Td ( ) Tj ET Q q 0 0 0 rg BT 248.99 254.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.26 254.00 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.26 254.00 Td (, ) Tj ET Q q 0 0 0 rg BT 289.59 254.00 Td (the ) Tj ET Q q 0 0 0 rg BT 303.64 254.00 Td (amount ) Tj ET Q q 0 0 0 rg BT 335.46 254.00 Td (of ) Tj ET Q q 0 0 0 rg BT 345.62 254.00 Td (overhead ) Tj ET Q q 0 0 0 rg BT 384.10 254.00 Td (allocated ) Tj ET Q q 0 0 0 rg BT 422.02 254.00 Td (to ) Tj ET Q q 0 0 0 rg BT 431.63 254.00 Td (each ) Tj ET Q q 0 0 0 rg BT 451.77 254.00 Td (segment ) Tj ET Q q 0 0 0 rg BT 486.93 254.00 Td (reflected ) Tj ET Q q 0 0 0 rg BT 523.73 254.00 Td (in ) Tj ET Q q 0 0 0 rg BT 533.34 254.00 Td (selling, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.50 242.00 Td (general ) Tj ET Q q 0 0 0 rg BT 108.57 242.00 Td (and ) Tj ET Q q 0 0 0 rg BT 125.65 242.00 Td (administrative ) Tj ET Q q 0 0 0 rg BT 185.51 242.00 Td (expense ) Tj ET Q q 0 0 0 rg BT 220.36 242.00 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.56 242.00 Td ($27.6 ) Tj ET Q q 0 0 0 rg BT 263.70 242.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.59 242.00 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.74 242.00 Td ($24.5 ) Tj ET Q q 0 0 0 rg BT 322.88 242.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.78 242.00 Td ( ) Tj ET Q q 0 0 0 rg BT 354.42 242.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.50 242.00 Td ($16.7 ) Tj ET Q q 0 0 0 rg BT 396.65 242.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.54 242.00 Td (, ) Tj ET Q q 0 0 0 rg BT 430.69 242.00 Td (respectively) Tj ET Q q 0 0 0 rg BT 478.35 242.00 Td (. ) Tj ET Q q 0 0 0 rg BT 483.49 242.00 Td (For ) Tj ET Q q 0 0 0 rg BT 500.03 242.00 Td (the ) Tj ET Q q 0 0 0 rg BT 514.89 242.00 Td (years ) Tj ET Q q 0 0 0 rg BT 538.64 242.00 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.50 230.00 Td (January31, ) Tj ET Q q 0 0 0 rg BT 124.60 230.00 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.60 230.00 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.11 230.00 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.11 230.00 Td ( ) Tj ET Q q 0 0 0 rg BT 171.11 230.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.55 230.00 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.55 230.00 Td (, ) Tj ET Q q 0 0 0 rg BT 212.05 230.00 Td (the ) Tj ET Q q 0 0 0 rg BT 226.27 230.00 Td (amount ) Tj ET Q q 0 0 0 rg BT 258.27 230.00 Td (of ) Tj ET Q q 0 0 0 rg BT 268.61 230.00 Td (reimbursement ) Tj ET Q q 0 0 0 rg BT 330.59 230.00 Td (made ) Tj ET Q q 0 0 0 rg BT 354.25 230.00 Td (to ) Tj ET Q q 0 0 0 rg BT 364.03 230.00 Td (the ) Tj ET Q q 0 0 0 rg BT 378.25 230.00 Td (retail ) Tj ET Q q 0 0 0 rg BT 400.80 230.00 Td (segment ) Tj ET Q q 0 0 0 rg BT 436.13 230.00 Td (by ) Tj ET Q q 0 0 0 rg BT 448.13 230.00 Td (the ) Tj ET Q q 0 0 0 rg BT 462.35 230.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 487.12 230.00 Td (segment ) Tj ET Q q 0 0 0 rg BT 522.44 230.00 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.00 230.00 Td ($37.4 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.50 218.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.39 218.00 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.39 218.00 Td ($38.8 ) Tj ET Q q 0 0 0 rg BT 135.39 218.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.28 218.00 Td ( ) Tj ET Q q 0 0 0 rg BT 166.78 218.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.72 218.00 Td ($36.4 ) Tj ET Q q 0 0 0 rg BT 208.72 218.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.61 218.00 Td (, ) Tj ET Q q 0 0 0 rg BT 242.61 218.00 Td (respectively) Tj ET Q q 0 0 0 rg BT 290.27 218.00 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 200.00 Td (15. ) Tj ET Q q 0 0 0 rg BT 64.50 200.00 Td ( ) Tj ET Q q 0 0 0 rg BT 67.50 200.00 Td (Guarantor) Tj ET Q q 0 0 0 rg BT 113.43 200.00 Td ( ) Tj ET Q q 0 0 0 rg BT 115.93 200.00 Td (Financial ) Tj ET Q q 0 0 0 rg BT 158.43 200.00 Td (Information) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.65 200.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 182.00 Td (Conn's, ) Tj ET Q q 0 0 0 rg BT 81.17 182.00 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 98.25 182.00 Td (is ) Tj ET Q q 0 0 0 rg BT 106.72 182.00 Td (a ) Tj ET Q q 0 0 0 rg BT 112.97 182.00 Td (holding ) Tj ET Q q 0 0 0 rg BT 145.33 182.00 Td (company ) Tj ET Q q 0 0 0 rg BT 183.79 182.00 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.38 182.00 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.38 182.00 Td ( ) Tj ET Q q 0 0 0 rg BT 215.18 182.00 Td (independent ) Tj ET Q q 0 0 0 rg BT 265.86 182.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 291.00 182.00 Td (or ) Tj ET Q q 0 0 0 rg BT 301.14 182.00 Td (operations ) Tj ET Q q 0 0 0 rg BT 344.60 182.00 Td (other ) Tj ET Q q 0 0 0 rg BT 366.95 182.00 Td (than ) Tj ET Q q 0 0 0 rg BT 385.97 182.00 Td (its ) Tj ET Q q 0 0 0 rg BT 397.23 182.00 Td (investments ) Tj ET Q q 0 0 0 rg BT 446.81 182.00 Td (in ) Tj ET Q q 0 0 0 rg BT 456.39 182.00 Td (its ) Tj ET Q q 0 0 0 rg BT 467.65 182.00 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 519.04 182.00 Td (The ) Tj ET Q q 0 0 0 rg BT 536.40 182.00 Td (Senior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 170.00 Td (Notes, ) Tj ET Q q 0 0 0 rg BT 77.86 170.00 Td (which ) Tj ET Q q 0 0 0 rg BT 104.82 170.00 Td (were ) Tj ET Q q 0 0 0 rg BT 126.78 170.00 Td (issued ) Tj ET Q q 0 0 0 rg BT 154.30 170.00 Td (by ) Tj ET Q q 0 0 0 rg BT 166.83 170.00 Td (Conn's, ) Tj ET Q q 0 0 0 rg BT 199.22 170.00 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 219.52 170.00 Td (are ) Tj ET Q q 0 0 0 rg BT 234.25 170.00 Td (fully ) Tj ET Q q 0 0 0 rg BT 255.66 170.00 Td (and ) Tj ET Q q 0 0 0 rg BT 272.63 170.00 Td (unconditionally ) Tj ET Q q 0 0 0 rg BT 337.93 170.00 Td (guaranteed ) Tj ET Q q 0 0 0 rg BT 384.31 170.00 Td (on ) Tj ET Q q 0 0 0 rg BT 396.84 170.00 Td (a ) Tj ET Q q 0 0 0 rg BT 403.81 170.00 Td (joint ) Tj ET Q q 0 0 0 rg BT 424.67 170.00 Td (and ) Tj ET Q q 0 0 0 rg BT 441.63 170.00 Td (several ) Tj ET Q q 0 0 0 rg BT 472.48 170.00 Td (senior ) Tj ET Q q 0 0 0 rg BT 499.44 170.00 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 542.51 170.00 Td (basis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 158.00 Td (by ) Tj ET Q q 0 0 0 rg BT 62.29 158.00 Td (the ) Tj ET Q q 0 0 0 rg BT 77.30 158.00 Td (Guarantors. ) Tj ET Q q 0 0 0 rg BT 126.41 158.00 Td (As ) Tj ET Q q 0 0 0 rg BT 140.31 158.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.43 158.00 Td (January31, ) Tj ET Q q 0 0 0 rg BT 200.32 158.00 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.32 158.00 Td ( ) Tj ET Q q 0 0 0 rg BT 223.12 158.00 Td (and ) Tj ET Q q 0 0 0 rg BT 240.35 158.00 Td (2017, ) Tj ET Q q 0 0 0 rg BT 265.64 158.00 Td (the ) Tj ET Q q 0 0 0 rg BT 280.65 158.00 Td (direct ) Tj ET Q q 0 0 0 rg BT 306.20 158.00 Td (or ) Tj ET Q q 0 0 0 rg BT 317.32 158.00 Td (indirect ) Tj ET Q q 0 0 0 rg BT 350.66 158.00 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 400.67 158.00 Td (of ) Tj ET Q q 0 0 0 rg BT 411.79 158.00 Td (Conn's, ) Tj ET Q q 0 0 0 rg BT 444.44 158.00 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 462.50 158.00 Td (that ) Tj ET Q q 0 0 0 rg BT 480.29 158.00 Td (were ) Tj ET Q q 0 0 0 rg BT 502.51 158.00 Td (not ) Tj ET Q q 0 0 0 rg BT 518.08 158.00 Td (Guarantors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 146.00 Td (\(the ) Tj ET Q q 0 0 0 rg BT 67.86 146.00 Td ("Non-Guarantor ) Tj ET Q q 0 0 0 rg BT 135.85 146.00 Td (Subsidiaries"\) ) Tj ET Q q 0 0 0 rg BT 194.97 146.00 Td (were ) Tj ET Q q 0 0 0 rg BT 217.21 146.00 Td (the ) Tj ET Q q 0 0 0 rg BT 232.04 146.00 Td (VIEs ) Tj ET Q q 0 0 0 rg BT 255.41 146.00 Td (and ) Tj ET Q q 0 0 0 rg BT 272.66 146.00 Td (minor ) Tj ET Q q 0 0 0 rg BT 299.37 146.00 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 351.90 146.00 Td ( ) Tj ET Q q 0 0 0 rg BT 354.51 146.00 Td (There ) Tj ET Q q 0 0 0 rg BT 380.64 146.00 Td (are ) Tj ET Q q 0 0 0 rg BT 395.67 146.00 Td (no ) Tj ET Q q 0 0 0 rg BT 408.48 146.00 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 455.73 146.00 Td (under ) Tj ET Q q 0 0 0 rg BT 481.32 146.00 Td (the ) Tj ET Q q 0 0 0 rg BT 496.35 146.00 Td (Indenture ) Tj ET Q q 0 0 0 rg BT 537.48 146.00 Td (on ) Tj ET Q q 0 0 0 rg BT 550.30 146.00 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 134.00 Td (ability ) Tj ET Q q 0 0 0 rg BT 77.55 134.00 Td (of ) Tj ET Q q 0 0 0 rg BT 88.38 134.00 Td (any ) Tj ET Q q 0 0 0 rg BT 105.32 134.00 Td (of ) Tj ET Q q 0 0 0 rg BT 116.15 134.00 Td (the ) Tj ET Q q 0 0 0 rg BT 130.87 134.00 Td (Guarantors ) Tj ET Q q 0 0 0 rg BT 177.80 134.00 Td (to ) Tj ET Q q 0 0 0 rg BT 188.07 134.00 Td (transfer ) Tj ET Q q 0 0 0 rg BT 221.11 134.00 Td (funds ) Tj ET Q q 0 0 0 rg BT 245.83 134.00 Td (to ) Tj ET Q q 0 0 0 rg BT 256.11 134.00 Td (Conn's, ) Tj ET Q q 0 0 0 rg BT 288.47 134.00 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 306.24 134.00 Td (in ) Tj ET Q q 0 0 0 rg BT 316.52 134.00 Td (the ) Tj ET Q q 0 0 0 rg BT 331.24 134.00 Td (form ) Tj ET Q q 0 0 0 rg BT 353.18 134.00 Td (of ) Tj ET Q q 0 0 0 rg BT 364.01 134.00 Td (dividends ) Tj ET Q q 0 0 0 rg BT 405.39 134.00 Td (or ) Tj ET Q q 0 0 0 rg BT 416.22 134.00 Td (distributions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 116.00 Td (The ) Tj ET Q q 0 0 0 rg BT 67.26 116.00 Td (following ) Tj ET Q q 0 0 0 rg BT 108.36 116.00 Td (financial ) Tj ET Q q 0 0 0 rg BT 145.55 116.00 Td (information ) Tj ET Q q 0 0 0 rg BT 194.97 116.00 Td (presents ) Tj ET Q q 0 0 0 rg BT 229.95 116.00 Td (the ) Tj ET Q q 0 0 0 rg BT 244.38 116.00 Td (condensed ) Tj ET Q q 0 0 0 rg BT 288.80 116.00 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 341.56 116.00 Td (balance ) Tj ET Q q 0 0 0 rg BT 374.30 116.00 Td (sheet, ) Tj ET Q q 0 0 0 rg BT 399.56 116.00 Td (statement ) Tj ET Q q 0 0 0 rg BT 440.09 116.00 Td (of ) Tj ET Q q 0 0 0 rg BT 450.63 116.00 Td (operations, ) Tj ET Q q 0 0 0 rg BT 497.00 116.00 Td (and ) Tj ET Q q 0 0 0 rg BT 513.65 116.00 Td (statement ) Tj ET Q q 0 0 0 rg BT 554.18 116.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 104.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 70.20 104.00 Td (flows ) Tj ET Q q 0 0 0 rg BT 95.35 104.00 Td (for ) Tj ET Q q 0 0 0 rg BT 109.94 104.00 Td (Conn's, ) Tj ET Q q 0 0 0 rg BT 142.73 104.00 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 160.93 104.00 Td (\(the ) Tj ET Q q 0 0 0 rg BT 179.40 104.00 Td (issuer ) Tj ET Q q 0 0 0 rg BT 205.66 104.00 Td (of ) Tj ET Q q 0 0 0 rg BT 216.92 104.00 Td (the ) Tj ET Q q 0 0 0 rg BT 232.06 104.00 Td (Senior ) Tj ET Q q 0 0 0 rg BT 261.10 104.00 Td (Notes\), ) Tj ET Q q 0 0 0 rg BT 293.19 104.00 Td (the ) Tj ET Q q 0 0 0 rg BT 308.34 104.00 Td (Guarantors, ) Tj ET Q q 0 0 0 rg BT 358.19 104.00 Td (and ) Tj ET Q q 0 0 0 rg BT 375.56 104.00 Td (the ) Tj ET Q q 0 0 0 rg BT 390.71 104.00 Td (Non-Guarantor ) Tj ET Q q 0 0 0 rg BT 454.72 104.00 Td (Subsidiaries, ) Tj ET Q q 0 0 0 rg BT 509.04 104.00 Td (together ) Tj ET Q q 0 0 0 rg BT 544.73 104.00 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 92.00 Td (certain ) Tj ET Q q 0 0 0 rg BT 79.27 92.00 Td (eliminations. ) Tj ET Q q 0 0 0 rg BT 133.78 92.00 Td ( ) Tj ET Q q 0 0 0 rg BT 136.34 92.00 Td (Investments ) Tj ET Q q 0 0 0 rg BT 187.24 92.00 Td (in ) Tj ET Q q 0 0 0 rg BT 197.58 92.00 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 247.37 92.00 Td (are ) Tj ET Q q 0 0 0 rg BT 262.14 92.00 Td (accounted ) Tj ET Q q 0 0 0 rg BT 305.24 92.00 Td (for ) Tj ET Q q 0 0 0 rg BT 319.47 92.00 Td (by ) Tj ET Q q 0 0 0 rg BT 332.03 92.00 Td (the ) Tj ET Q q 0 0 0 rg BT 346.82 92.00 Td (parent ) Tj ET Q q 0 0 0 rg BT 374.37 92.00 Td (company ) Tj ET Q q 0 0 0 rg BT 413.59 92.00 Td (using ) Tj ET Q q 0 0 0 rg BT 437.83 92.00 Td (the ) Tj ET Q q 0 0 0 rg BT 452.62 92.00 Td (equity ) Tj ET Q q 0 0 0 rg BT 480.18 92.00 Td (method ) Tj ET Q q 0 0 0 rg BT 512.74 92.00 Td (for ) Tj ET Q q 0 0 0 rg BT 526.97 92.00 Td (purposes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 80.00 Td (of ) Tj ET Q q 0 0 0 rg BT 60.18 80.00 Td (this ) Tj ET Q q 0 0 0 rg BT 76.98 80.00 Td (presentation. ) Tj ET Q q 0 0 0 rg BT 130.70 80.00 Td (Results ) Tj ET Q q 0 0 0 rg BT 162.50 80.00 Td (of ) Tj ET Q q 0 0 0 rg BT 173.18 80.00 Td (operations ) Tj ET Q q 0 0 0 rg BT 217.19 80.00 Td (of ) Tj ET Q q 0 0 0 rg BT 227.87 80.00 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 277.44 80.00 Td (are ) Tj ET Q q 0 0 0 rg BT 292.00 80.00 Td (therefore ) Tj ET Q q 0 0 0 rg BT 330.43 80.00 Td (reflected ) Tj ET Q q 0 0 0 rg BT 367.75 80.00 Td (in ) Tj ET Q q 0 0 0 rg BT 377.88 80.00 Td (the ) Tj ET Q q 0 0 0 rg BT 392.45 80.00 Td (parent ) Tj ET Q q 0 0 0 rg BT 419.79 80.00 Td (company's ) Tj ET Q q 0 0 0 rg BT 464.49 80.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 510.72 80.00 Td (accounts ) Tj ET Q q 0 0 0 rg BT 548.06 80.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 68.00 Td (operations. ) Tj ET Q q 0 0 0 rg BT 96.16 68.00 Td ( ) Tj ET Q q 0 0 0 rg BT 98.47 68.00 Td (The ) Tj ET Q q 0 0 0 rg BT 116.52 68.00 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 169.56 68.00 Td (financial ) Tj ET Q q 0 0 0 rg BT 207.04 68.00 Td (information ) Tj ET Q q 0 0 0 rg BT 256.76 68.00 Td (includes ) Tj ET Q q 0 0 0 rg BT 292.58 68.00 Td (financial ) Tj ET Q q 0 0 0 rg BT 330.06 68.00 Td (data ) Tj ET Q q 0 0 0 rg BT 349.22 68.00 Td (for: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 50.00 Td (\(i\) Conn) Tj ET Q q 0 0 0 rg BT 88.39 50.00 Td (s, Inc. \(on a parent-only basis\),) Tj ET Q endstream endobj 179 0 obj <>] /Rotate 0 /Contents 180 0 R>> endobj 180 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (88) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 731.10 Td (\(ii\) Guarantors, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 713.10 Td (\(iii\) Non-Guarantor Subsidiaries, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 695.10 Td (\(iv\) the parent company and the subsidiaries on a consolidated basis at January 31, 2018 and 2017 \(after the elimination of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 683.10 Td (intercompany balances and transactions\). ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 665.10 Td (Condensed Consolidated Balance Sheets as of ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 241.74 665.10 Td (January31, 2018) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 313.69 665.10 Td ( ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 614.60 170.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 614.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 614.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 614.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 614.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 614.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 614.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 614.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 614.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 614.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 588.60 170.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 588.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 588.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 588.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 588.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 588.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 588.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 588.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 588.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 588.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 560.60 170.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 560.60 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 560.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 560.60 64.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 560.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 560.60 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 560.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 560.60 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 560.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 560.60 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 522.60 170.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 522.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 522.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 522.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 522.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 522.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 522.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 522.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 522.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 522.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 494.60 170.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 494.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 494.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 494.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 494.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 494.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 494.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 494.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 494.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 494.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 456.60 170.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 456.60 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 456.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 456.60 64.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 456.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 456.60 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 456.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 456.60 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 456.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 456.60 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 418.60 170.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 418.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 418.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 418.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 418.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 418.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 418.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 418.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 418.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 418.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 392.60 170.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 392.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 392.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 392.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 392.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 392.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 392.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 392.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 392.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 392.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 360.60 170.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 360.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 360.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 360.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 360.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 360.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 360.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 360.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 360.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 360.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 322.60 170.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 322.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 322.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 322.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 322.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 322.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 322.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 322.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 322.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 322.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 296.60 170.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 296.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 296.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 296.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 296.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 296.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 296.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 296.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 296.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 296.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 270.60 170.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 270.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 270.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 270.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 270.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 270.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 270.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 270.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 270.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 270.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 232.60 170.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 232.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 232.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 232.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 232.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 232.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 232.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 232.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 232.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 232.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 206.60 170.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 206.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 206.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 206.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 206.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 206.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 206.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 206.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 206.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 206.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 180.60 170.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 180.60 65.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 180.60 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 180.60 64.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 180.60 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 180.60 65.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 180.60 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 180.60 65.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 180.60 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 180.60 65.00 -24.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 614.6 m 285.5 614.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 614.6 m 353.5 614.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 614.6 m 422.5 614.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 614.6 m 491.5 614.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 614.6 m 560.5 614.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 494.6 m 285.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 494.6 m 353.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 494.6 m 422.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 494.6 m 491.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 494.6 m 560.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 494.6 m 285.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 494.6 m 353.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 494.6 m 422.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 494.6 m 491.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 494.6 m 560.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 392.6 m 285.5 392.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 380.6 m 285.5 380.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 378.6 m 285.5 378.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 392.6 m 353.5 392.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 380.6 m 353.5 380.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 378.6 m 353.5 378.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 392.6 m 422.5 392.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 380.6 m 422.5 380.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 378.6 m 422.5 378.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 392.6 m 491.5 392.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 380.6 m 491.5 380.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 378.6 m 491.5 378.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 392.6 m 560.5 392.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 380.6 m 560.5 380.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 378.6 m 560.5 378.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 283.6 m 285.5 283.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 283.6 m 353.5 283.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 283.6 m 422.5 283.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 283.6 m 491.5 283.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 283.6 m 560.5 283.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 283.6 m 285.5 283.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 283.6 m 353.5 283.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 283.6 m 422.5 283.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 283.6 m 491.5 283.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 283.6 m 560.5 283.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 219.60000000000002 m 285.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 206.60000000000002 m 285.5 206.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 219.60000000000002 m 353.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 206.60000000000002 m 353.5 206.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 219.60000000000002 m 422.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 206.60000000000002 m 422.5 206.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 219.60000000000002 m 491.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 206.60000000000002 m 491.5 206.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 219.60000000000002 m 560.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 206.60000000000002 m 560.5 206.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 180.60000000000002 m 285.5 180.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 157.60000000000002 m 285.5 157.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 155.60000000000002 m 285.5 155.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 180.60000000000002 m 353.5 180.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 157.60000000000002 m 353.5 157.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 155.60000000000002 m 353.5 155.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 180.60000000000002 m 422.5 180.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 157.60000000000002 m 422.5 157.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 155.60000000000002 m 422.5 155.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 180.60000000000002 m 491.5 180.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 157.60000000000002 m 491.5 157.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 155.60000000000002 m 491.5 155.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 180.60000000000002 m 560.5 180.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 157.60000000000002 m 560.5 157.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 155.60000000000002 m 560.5 155.60000000000002 l s BT /F3 10.00 Tf ET q 0 0 0 rg BT 53.00 619.31 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 226.75 619.28 Td (Conn's, Inc.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 296.00 619.28 Td (Guarantors) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.90 639.28 Td (Non-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 366.50 629.28 Td (Guarantor) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 363.35 619.28 Td (Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 431.25 619.28 Td (Eliminations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.40 619.28 Td (Consolidated) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 121.65 605.33 Td (Assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 592.33 Td (Curr) Tj ET Q q 0 0 0 rg BT 74.57 592.33 Td (ent assets:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.00 592.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.00 592.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 579.17 Td (Cash and cash equivalents) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.00 579.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.65 579.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.00 579.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 579.17 Td (9,286) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.00 579.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 579.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.00 579.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 579.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.00 579.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 579.17 Td (9,286) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 565.27 Td (Restricted cash) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.65 565.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 565.27 Td (1,550) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.15 565.27 Td (85,322) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 565.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.15 565.27 Td (86,872) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 550.27 Td (Customer accounts receivable, net of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 540.27 Td (allowance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.65 540.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.15 540.27 Td (177,1) Tj ET Q q 0 0 0 rg BT 339.65 540.27 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.15 540.27 Td (459,708) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 540.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.15 540.27 Td (636,825) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 526.17 Td (Other accounts receivable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.65 526.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 526.17 Td (71,186) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 526.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 526.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.15 526.17 Td (71,186) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 513.17 Td (Inventories) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.65 513.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.15 513.17 Td (21) Tj ET Q q 0 0 0 rg BT 327.15 513.17 Td (1,894) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 513.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 513.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.15 513.17 Td (21) Tj ET Q q 0 0 0 rg BT 534.15 513.17 Td (1,894) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 499.27 Td (Other current assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.65 499.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 499.27 Td (68,621) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.15 499.27 Td (15,212) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.80 499.32 Td (\(19,879) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 499.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.15 499.27 Td (63,954) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 485.33 Td (T) Tj ET Q q 0 0 0 rg BT 65.21 485.33 Td (otal curr) Tj ET Q q 0 0 0 rg BT 102.15 485.33 Td (ent assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 271.65 485.33 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.15 485.33 Td (539,654) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.15 485.33 Td (560,242) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.80 485.38 Td (\(19,879) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.65 485.33 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 516.65 485.33 Td (1,080,017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 471.27 Td (Investment in and advances to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 461.27 Td (subsidiaries) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 461.27 Td (735,272) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.15 461.27 Td (209,903) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 461.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.80 461.32 Td (\(945,175) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 461.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 461.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 446.27 Td (Long-term portion of customer accounts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 436.27 Td (receivable, net of allowance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.65 436.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.15 436.27 Td (195,606) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.15 436.27 Td (455,002) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 436.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.15 436.27 Td (650,608) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 422.17 Td (Property and equipment, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.65 422.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.15 422.17 Td (143,152) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 422.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 422.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.15 422.17 Td (143,152) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 409.17 Td (Deferred income taxes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.15 409.17 Td (21,565) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.65 409.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 409.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 409.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.15 409.17 Td (21,565) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 396.17 Td (Other assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.65 396.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 396.17 Td (5,457) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 396.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 396.17 Td (5,457) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 383.33 Td (T) Tj ET Q q 0 0 0 rg BT 65.21 383.33 Td (otal assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 223.00 383.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 249.15 383.33 Td (756,837) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 292.00 383.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 309.65 383.33 Td (1,093,772) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.00 383.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.65 383.33 Td (1,015,244) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 429.00 383.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.80 383.38 Td (\(965,054) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.65 383.33 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 498.00 383.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 516.65 383.33 Td (1,900,799) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.15 365.28 Td (Liabilities and Stockholders' Equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 351.33 Td (Curr) Tj ET Q q 0 0 0 rg BT 74.57 351.33 Td (ent liabilities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 337.27 Td (Current maturities of capital lease) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 327.27 Td (obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.00 327.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.65 327.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.00 327.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.65 327.27 Td (907) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.00 327.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 327.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.00 327.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 327.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.00 327.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 327.27 Td (907) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 313.17 Td (Accounts payable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.65 313.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 313.17 Td (71,617) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 313.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 313.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.15 313.17 Td (71,617) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 300.17 Td (Accrued expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.65 300.17 Td (686) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 300.17 Td (66,370) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 300.17 Td (6,723) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.80 300.22 Td (\(4,667) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 300.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.15 300.17 Td (69,1) Tj ET Q q 0 0 0 rg BT 546.65 300.17 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 287.17 Td (Other current liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.65 287.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 287.17 Td (32,685) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 287.17 Td (5,002) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.80 287.22 Td (\(15,212) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 287.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.15 287.17 Td (22,475) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 274.33 Td (T) Tj ET Q q 0 0 0 rg BT 65.21 274.33 Td (otal curr) Tj ET Q q 0 0 0 rg BT 102.15 274.33 Td (ent liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 266.65 274.33 Td (686) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.15 274.33 Td (171,579) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.15 274.33 Td (1) Tj ET Q q 0 0 0 rg BT 396.15 274.33 Td (1,725) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.80 274.38 Td (\(19,879) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.65 274.33 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 524.15 274.33 Td (164,1) Tj ET Q q 0 0 0 rg BT 546.65 274.33 Td (1) Tj ET Q q 0 0 0 rg BT 551.65 274.33 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 261.17 Td (Deferred rent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.65 261.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 261.17 Td (87,003) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 261.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 261.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.15 261.17 Td (87,003) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 247.27 Td (Long-term debt and capital lease) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 237.27 Td (obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 237.27 Td (221,083) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 237.27 Td (81,043) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.15 237.27 Td (787,979) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 237.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.65 237.27 Td (1,090,105) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 223.17 Td (Other long-term liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.65 223.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 223.17 Td (18,875) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 223.17 Td (5,637) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 223.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.15 223.17 Td (24,512) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 210.33 Td (T) Tj ET Q q 0 0 0 rg BT 65.21 210.33 Td (otal liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 249.15 210.33 Td (221,769) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.15 210.33 Td (358,500) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.15 210.33 Td (805,341) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.80 210.38 Td (\(19,879) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.65 210.33 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 516.65 210.33 Td (1,365,731) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 197.33 Td (Stockholders' equity:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.00 197.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.00 197.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 197.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.00 197.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.00 197.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 184.33 Td (T) Tj ET Q q 0 0 0 rg BT 64.75 184.33 Td (otal stockholders' equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 249.15 184.33 Td (535,068) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.15 184.33 Td (735,272) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.15 184.33 Td (209,903) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.80 184.38 Td (\(945,175) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.65 184.33 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 524.15 184.33 Td (535,068) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 65.00 171.28 Td (T) Tj ET Q q 0 0 0 rg BT 70.75 171.28 Td (otal liabilities and stockholders') Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 74.00 161.28 Td (equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 223.00 161.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 249.15 161.28 Td (756,837) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 292.00 161.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 309.65 161.28 Td (1,093,772) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.00 161.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.65 161.28 Td (1,015,244) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 429.00 161.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.80 161.33 Td (\(965,054) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.65 161.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 498.00 161.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 516.65 161.28 Td (1,900,799) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 139.10 Td (Deferred income taxes related to tax attributes of the Guarantors and Non-Guarantor Subsidiaries are reflected under Conn's, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 127.10 Td (Inc.) Tj ET Q endstream endobj 181 0 obj <>] /Rotate 0 /Contents 182 0 R>> endobj 182 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (89) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 731.25 Td (Condensed Consolidated Statements of Operations for the year ended ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 337.56 731.25 Td (January31, 2018) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 409.51 731.25 Td ( ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 680.75 170.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 680.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 680.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 680.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 680.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 680.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 680.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 680.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 680.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 680.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 652.75 170.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 652.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 652.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 652.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 652.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 652.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 652.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 652.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 652.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 652.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 626.75 170.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 626.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 626.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 626.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 626.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 626.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 626.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 626.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 626.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 626.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 600.75 170.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 600.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 600.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 600.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 600.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 600.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 600.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 600.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 600.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 600.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 562.75 170.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 562.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 562.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 562.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 562.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 562.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 562.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 562.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 562.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 562.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 536.75 170.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 536.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 536.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 536.75 64.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 536.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 536.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 536.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 536.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 536.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 536.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 508.75 170.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 508.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 508.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 508.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 508.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 508.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 508.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 508.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 508.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 508.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 482.75 170.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 482.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 482.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 482.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 482.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 482.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 482.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 482.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 482.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 482.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 456.75 170.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 456.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 456.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 456.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 456.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 456.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 456.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 456.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 456.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 456.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 419.75 170.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 419.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 419.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 419.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 419.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 419.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 419.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 419.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 419.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 419.75 65.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 680.75 m 285.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 680.75 m 353.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 680.75 m 422.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 680.75 m 491.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 680.75 m 560.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 680.75 m 285.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 626.75 m 285.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 626.75 m 353.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 626.75 m 422.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 626.75 m 491.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 626.75 m 560.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 626.75 m 285.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 613.75 m 285.5 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 626.75 m 353.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 613.75 m 353.5 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 626.75 m 422.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 613.75 m 422.5 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 626.75 m 491.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 613.75 m 491.5 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 626.75 m 560.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 613.75 m 560.5 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 536.75 m 285.5 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 521.75 m 285.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 536.75 m 353.5 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 521.75 m 353.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 536.75 m 422.5 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 521.75 m 422.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 536.75 m 491.5 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 521.75 m 491.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 536.75 m 560.5 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 521.75 m 560.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 521.75 m 285.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 521.75 m 353.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 521.75 m 422.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 521.75 m 491.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 521.75 m 560.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 482.75 m 285.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 482.75 m 353.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 482.75 m 422.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 482.75 m 491.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 482.75 m 560.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 456.75 m 285.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 456.75 m 353.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 456.75 m 422.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 456.75 m 491.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 456.75 m 560.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 419.75 m 285.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 419.75 m 353.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 419.75 m 422.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 419.75 m 491.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 419.75 m 560.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 419.75 m 285.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 407.75 m 285.5 407.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 405.75 m 285.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 419.75 m 353.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 407.75 m 353.5 407.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 405.75 m 353.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 419.75 m 422.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 407.75 m 422.5 407.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 405.75 m 422.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 419.75 m 491.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 407.75 m 491.5 407.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 405.75 m 491.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 419.75 m 560.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 407.75 m 560.5 407.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 405.75 m 560.5 405.75 l s BT /F3 10.00 Tf ET q 0 0 0 rg BT 53.00 685.46 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 226.75 685.43 Td (Conn's, Inc.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 296.00 685.43 Td (Guarantors) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.90 705.43 Td (Non-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 366.50 695.43 Td (Guarantor) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 363.35 685.43 Td (Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 431.25 685.43 Td (Eliminations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.40 685.43 Td (Consolidated) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 671.48 Td (Revenues:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.00 671.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 657.42 Td (T) Tj ET Q q 0 0 0 rg BT 58.76 657.42 Td (otal net sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.00 657.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.65 657.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.00 657.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.65 657.42 Td (1,191,967) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.00 657.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 657.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.00 657.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 657.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.00 657.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.65 657.42 Td (1,191,967) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 643.32 Td (Finance char) Tj ET Q q 0 0 0 rg BT 104.27 643.32 Td (ges and other revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.65 643.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.15 643.32 Td (173,539) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.15 643.32 Td (150,525) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 643.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.15 643.32 Td (324,064) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 630.32 Td (Servicing fee revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.65 630.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 630.32 Td (63,372) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 630.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.80 630.37 Td (\(63,372) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 630.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 630.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 617.48 Td (T) Tj ET Q q 0 0 0 rg BT 65.21 617.48 Td (otal r) Tj ET Q q 0 0 0 rg BT 87.71 617.48 Td (evenues) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 271.65 617.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 309.65 617.48 Td (1,428,878) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.15 617.48 Td (150,525) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.80 617.53 Td (\(63,372) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.65 617.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 516.65 617.48 Td (1,516,031) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 604.48 Td (Costs and expenses:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.00 604.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.00 604.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 604.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.00 604.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.00 604.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 591.32 Td (Cost of goods sold) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.65 591.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.15 591.32 Td (720,344) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 591.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 591.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.15 591.32 Td (720,344) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 577.42 Td (Selling, general and administrative) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 567.42 Td (expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.65 567.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.15 567.42 Td (460,698) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.15 567.42 Td (53,087) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.80 567.47 Td (\(63,372) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 567.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.15 567.42 Td (450,413) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 553.32 Td (Provision for bad debts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.65 553.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 553.32 Td (42,677) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.15 553.32 Td (174,198) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 553.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.15 553.32 Td (216,875) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 540.32 Td (Char) Tj ET Q q 0 0 0 rg BT 72.35 540.32 Td (ges and credits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.65 540.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 540.32 Td (13,331) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 540.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 540.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.15 540.32 Td (13,331) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 526.43 Td (T) Tj ET Q q 0 0 0 rg BT 65.21 526.43 Td (otal costs and expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 271.65 526.43 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 309.65 526.43 Td (1,237,050) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.15 526.43 Td (227,285) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.80 526.48 Td (\(63,372) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.65 526.43 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 516.65 526.43 Td (1,400,963) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 65.00 512.48 Td (Operating income \(loss\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 271.65 512.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.15 512.48 Td (191,828) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.80 512.53 Td (\(76,760) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 418.65 512.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.65 512.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 524.15 512.48 Td (1) Tj ET Q q 0 0 0 rg BT 529.15 512.48 Td (15,068) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 499.32 Td (Interest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.15 499.32 Td (17,772) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 499.32 Td (15,978) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.15 499.32 Td (46,410) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 499.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.15 499.32 Td (80,160) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 486.32 Td (Loss on extinguishment of debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.65 486.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.65 486.32 Td (349) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 486.32 Td (2,925) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 486.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 486.32 Td (3,274) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 473.48 Td (Income \(loss\) befor) Tj ET Q q 0 0 0 rg BT 140.56 473.48 Td (e income taxes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 250.80 473.48 Td (\(17,772) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 281.65 473.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.15 473.48 Td (175,501) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.80 473.53 Td (\(126,095) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 418.65 473.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.65 473.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 529.15 473.48 Td (31,634) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 460.32 Td (Provision \(benefit\) for income taxes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.80 460.32 Td (\(14,141) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.65 460.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.15 460.32 Td (139,647) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.80 460.37 Td (\(100,335) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 460.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 460.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.15 460.32 Td (25,171) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 447.48 Td (Net income \(loss\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 255.80 447.48 Td (\(3,631) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 281.65 447.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 322.15 447.48 Td (35,854) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.80 447.53 Td (\(25,760) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 418.65 447.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 429.00 447.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.65 447.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 534.15 447.48 Td (6,463) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 434.32 Td (Income \(loss\) from consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 424.32 Td (subsidiaries) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.15 424.42 Td (10,094) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.80 424.47 Td (\(25,760) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.65 424.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 424.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.15 424.42 Td (15,666) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 424.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 410.48 Td (Consolidated net income \(loss\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 223.00 410.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 259.15 410.48 Td (6,463) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 292.00 410.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 322.15 410.48 Td (10,094) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.00 410.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.80 410.53 Td (\(25,760) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 418.65 410.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 429.00 410.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.15 410.48 Td (15,666) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 498.00 410.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 534.15 410.48 Td (6,463) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 183 0 obj <>] /Rotate 0 /Contents 184 0 R>> endobj 184 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (90) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 731.25 Td (Condensed Consolidated Statements of Cash Flows for the year ended ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 340.63 731.25 Td (January31, 2018) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 412.59 731.25 Td ( ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 680.75 170.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 680.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 680.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 680.75 64.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 680.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 680.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 680.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 680.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 680.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 680.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 642.75 170.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 642.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 642.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 642.75 64.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 642.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 642.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 642.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 642.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 642.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 642.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 612.75 170.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 612.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 612.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 612.75 64.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 612.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 612.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 612.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 612.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 612.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 612.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 574.75 170.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 574.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 574.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 574.75 64.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 574.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 574.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 574.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 574.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 574.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 574.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 536.75 170.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 536.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 536.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 536.75 64.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 536.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 536.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 536.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 536.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 536.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 536.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 506.75 170.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 506.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 506.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 506.75 64.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 506.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 506.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 506.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 506.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 506.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 506.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 476.75 170.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 476.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 476.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 476.75 64.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 476.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 476.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 476.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 476.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 476.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 476.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 430.75 170.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 430.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 430.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 430.75 64.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 430.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 430.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 430.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 430.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 430.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 430.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 392.75 170.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 392.75 65.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 392.75 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 392.75 64.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 392.75 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 392.75 65.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 392.75 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 392.75 65.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 392.75 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 392.75 65.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 349.75 170.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 349.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 349.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 349.75 64.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 349.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 349.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 349.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 349.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 349.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 349.75 65.00 -23.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 680.75 m 285.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 680.75 m 353.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 680.75 m 422.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 680.75 m 491.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 680.75 m 560.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 680.75 m 285.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 657.75 m 285.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 680.75 m 353.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 657.75 m 353.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 680.75 m 422.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 657.75 m 422.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 680.75 m 491.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 657.75 m 491.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 680.75 m 560.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 657.75 m 560.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 597.75 m 285.5 597.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 574.75 m 285.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 597.75 m 353.5 597.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 574.75 m 353.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 597.75 m 422.5 597.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 574.75 m 422.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 597.75 m 491.5 597.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 574.75 m 491.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 597.75 m 560.5 597.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 574.75 m 560.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 392.75 m 285.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 372.75 m 285.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 392.75 m 353.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 372.75 m 353.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 392.75 m 422.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 372.75 m 422.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 392.75 m 491.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 372.75 m 491.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 392.75 m 560.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 372.75 m 560.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 326.75 m 285.5 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 304.75 m 285.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 302.75 m 285.5 302.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 326.75 m 353.5 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 304.75 m 353.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 302.75 m 353.5 302.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 326.75 m 422.5 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 304.75 m 422.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 302.75 m 422.5 302.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 326.75 m 491.5 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 304.75 m 491.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 302.75 m 491.5 302.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 326.75 m 560.5 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 304.75 m 560.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 302.75 m 560.5 302.75 l s BT /F3 10.00 Tf ET q 0 0 0 rg BT 53.00 685.46 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 226.75 685.43 Td (Conn's, Inc.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 296.00 685.43 Td (Guarantors) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.90 705.43 Td (Non-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 366.50 695.43 Td (Guarantor) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 363.35 685.43 Td (Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 431.25 685.43 Td (Eliminations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.40 685.43 Td (Consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 671.20 Td (Net cash pr) Tj ET Q q 0 0 0 rg BT 96.83 671.20 Td (ovided by \(used in\) operating) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 62.00 662.20 Td (activities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.00 662.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.75 662.20 Td (\(3,318) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 662.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.00 662.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.75 662.20 Td (\(924,343) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.00 662.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.00 662.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.75 662.20 Td (979,022) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.00 662.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 662.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 662.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 532.25 662.20 Td (51,361) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 647.20 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 103.92 647.20 Td (om investing activities:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.00 647.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.00 647.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.00 647.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.00 647.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 647.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 632.21 Td (Purchase of customer accounts receivables) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 632.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.00 632.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 632.21 Td (\(1,1) Tj ET Q q 0 0 0 rg BT 394.25 632.21 Td (12,903) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.00 632.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 632.21 Td (1,1) Tj ET Q q 0 0 0 rg BT 463.25 632.21 Td (12,903) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.00 632.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 617.21 Td (Sale of customer accounts receivables) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 617.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.00 617.21 Td (1,1) Tj ET Q q 0 0 0 rg BT 325.25 617.21 Td (12,903) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 617.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 617.21 Td (\(1,1) Tj ET Q q 0 0 0 rg BT 463.25 617.21 Td (12,903) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.00 617.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.00 617.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 602.21 Td (Purchase of property and equipment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 602.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.25 602.21 Td (\(16,918) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.00 602.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 602.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 602.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.25 602.21 Td (\(16,918) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 602.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 59.00 588.20 Td (Net cash pr) Tj ET Q q 0 0 0 rg BT 102.91 588.20 Td (ovided by \(used in\) investing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.00 579.20 Td (activities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 579.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 579.20 Td (1,095,985) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.00 579.20 Td (\(1,1) Tj ET Q q 0 0 0 rg BT 394.25 579.20 Td (12,903) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.00 579.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 579.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.25 579.20 Td (\(16,918) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 557.00 579.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 564.20 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 103.84 564.20 Td (om financing activities:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 550.21 Td (Proceeds from issuance of asset-backed) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 541.21 Td (notes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 541.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.00 541.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 541.21 Td (1,042,034) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 541.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 541.21 Td (1,042,034) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 526.21 Td (Payments on asset-backed notes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 526.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.25 526.21 Td (\(78,779) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.00 526.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.75 526.21 Td (\(922,923) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.00 526.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 526.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 526.21 Td (\(1,001,702) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 526.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 511.21 Td (Changes in restricted cash balances) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 511.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.75 511.21 Td (\(1,550) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.00 511.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.25 511.21 Td (25,376) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 511.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.25 511.21 Td (23,826) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 496.21 Td (Borrowings from revolving credit facility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 496.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.00 496.21 Td (1,717,012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 496.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 496.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 496.21 Td (1,717,012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 481.21 Td (Payments on revolving credit facility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 481.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 481.21 Td (\(1,817,512) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.00 481.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 481.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 481.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 481.21 Td (\(1,817,512) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 481.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 467.21 Td (Payment of debt issuance costs and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 62.00 458.21 Td (amendment fees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 458.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.75 458.21 Td (\(3,268) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.00 458.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.25 458.21 Td (\(10,606) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.00 458.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 458.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.25 458.21 Td (\(13,874) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 458.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 444.21 Td (Proceeds from stock issued under employee) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 62.00 435.21 Td (benefit plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.75 435.21 Td (3,318) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.00 435.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 435.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 435.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.75 435.21 Td (3,318) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 421.21 Td (T) Tj ET Q q 0 0 0 rg BT 57.87 421.21 Td (ax Payments associated with equity-based ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 62.00 412.21 Td (compensation transactions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 412.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.75 412.21 Td (\(1,182) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.00 412.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 412.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 412.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.75 412.21 Td (\(1,182) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 412.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 397.21 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 397.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.50 397.21 Td (\(643) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.00 397.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 397.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 397.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.50 397.21 Td (\(643) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 397.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 59.00 384.15 Td (Net cash pr) Tj ET Q q 0 0 0 rg BT 102.83 384.15 Td (ovided by \(used in\) financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 68.00 375.20 Td (activities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.75 377.20 Td (3,318) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.75 377.20 Td (\(185,922) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.00 377.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.75 377.20 Td (133,881) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 377.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.25 377.20 Td (\(48,723) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 557.00 377.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 65.00 363.20 Td (Net change in cash and cash) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 74.00 354.20 Td (equivalents) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 354.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.25 354.20 Td (\(14,280) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.00 354.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 354.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 354.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.25 354.20 Td (\(14,280) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 557.00 354.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 65.00 340.21 Td (Cash and cash equivalents, beginning of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 74.00 331.21 Td (period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 331.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.25 331.21 Td (23,566) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 331.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 331.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.25 331.21 Td (23,566) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 71.00 317.20 Td (Cash and cash equivalents, end of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 80.00 308.20 Td (period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.00 308.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 308.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.00 308.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.75 308.20 Td (9,286) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.00 308.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 308.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.00 308.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 308.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 308.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 536.75 308.20 Td (9,286) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 185 0 obj <>] /Rotate 0 /Contents 186 0 R>> endobj 186 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (91) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 713.25 Td (Condensed ) Tj ET Q q 0 0 0 rg BT 97.56 713.25 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 153.96 713.25 Td (Balance ) Tj ET Q q 0 0 0 rg BT 190.34 713.25 Td (Sheets ) Tj ET Q q 0 0 0 rg BT 219.51 713.25 Td (as ) Tj ET Q q 0 0 0 rg BT 230.91 713.25 Td (of ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 241.74 713.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 293.69 713.25 Td (2017) Tj ET Q BT /F4 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 662.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 662.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 662.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 662.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 662.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 662.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 662.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 662.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 662.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 662.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 636.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 636.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 636.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 636.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 636.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 636.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 636.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 636.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 636.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 636.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 608.75 171.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 608.75 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 608.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 608.75 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 608.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 608.75 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 608.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 608.75 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 608.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 608.75 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 570.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 570.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 570.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 570.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 570.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 570.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 570.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 570.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 570.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 570.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 542.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 542.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 542.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 542.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 542.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 542.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 542.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 542.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 542.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 542.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 504.75 171.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 504.75 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 504.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 504.75 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 504.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 504.75 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 504.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 504.75 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 504.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 504.75 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 466.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 466.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 466.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 466.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 466.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 466.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 466.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 466.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 466.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 466.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 440.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 440.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 440.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 440.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 440.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 440.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 440.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 440.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 440.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 440.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 408.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 408.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 408.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 408.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 408.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 408.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 408.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 408.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 408.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 408.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 370.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 370.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 370.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 370.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 370.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 370.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 370.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 370.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 370.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 370.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 344.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 344.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 344.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 344.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 344.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 344.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 344.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 344.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 344.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 344.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 318.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 318.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 318.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 318.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 318.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 318.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 318.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 318.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 318.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 318.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 280.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 280.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 280.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 280.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 280.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 280.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 280.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 280.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 280.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 280.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 254.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 254.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 254.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 254.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 254.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 254.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 254.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 254.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 254.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 254.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 228.75 171.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 228.75 65.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 228.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 228.75 65.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 228.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 228.75 65.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 228.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 228.75 65.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 228.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 228.75 65.00 -24.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 662.75 m 286 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 662.75 m 355 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 662.75 m 424 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 662.75 m 493 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 662.75 m 562 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 542.75 m 286 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 542.75 m 355 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 542.75 m 424 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 542.75 m 493 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 542.75 m 562 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 542.75 m 286 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 542.75 m 355 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 542.75 m 424 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 542.75 m 493 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 542.75 m 562 542.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 440.75 m 286 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 428.75 m 286 428.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 426.75 m 286 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 440.75 m 355 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 428.75 m 355 428.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 426.75 m 355 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 440.75 m 424 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 428.75 m 424 428.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 426.75 m 424 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 440.75 m 493 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 428.75 m 493 428.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 426.75 m 493 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 440.75 m 562 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 428.75 m 562 428.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 426.75 m 562 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 331.75 m 286 331.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 331.75 m 355 331.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 331.75 m 424 331.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 331.75 m 493 331.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 331.75 m 562 331.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 331.75 m 286 331.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 331.75 m 355 331.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 331.75 m 424 331.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 331.75 m 493 331.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 331.75 m 562 331.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 267.75 m 286 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 254.75 m 286 254.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 267.75 m 355 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 254.75 m 355 254.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 267.75 m 424 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 254.75 m 424 254.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 267.75 m 493 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 254.75 m 493 254.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 267.75 m 562 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 254.75 m 562 254.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 228.75 m 286 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 205.75 m 286 205.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 203.75 m 286 203.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 228.75 m 355 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 205.75 m 355 205.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 203.75 m 355 203.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 228.75 m 424 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 205.75 m 424 205.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 203.75 m 424 203.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 228.75 m 493 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 205.75 m 493 205.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 203.75 m 493 203.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 228.75 m 562 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 205.75 m 562 205.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 203.75 m 562 203.75 l s BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 667.46 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 227.25 667.43 Td (Conn's, Inc.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 297.00 667.43 Td (Guarantors) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.40 687.43 Td (Non-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 368.00 677.43 Td (Guarantor) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 364.85 667.43 Td (Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 432.75 667.43 Td (Eliminations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.90 667.43 Td (Consolidated) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 121.65 653.48 Td (Assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 640.48 Td (Curr) Tj ET Q q 0 0 0 rg BT 74.07 640.48 Td (ent assets:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 640.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 640.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 627.32 Td (Cash and cash equivalents) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.50 627.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 627.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.50 627.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 627.32 Td (23,566) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 627.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 627.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 627.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 627.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 627.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 627.32 Td (23,566) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 613.42 Td (Restricted cash) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 613.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.15 613.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 613.42 Td (1) Tj ET Q q 0 0 0 rg BT 392.65 613.42 Td (10,698) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 613.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 613.42 Td (1) Tj ET Q q 0 0 0 rg BT 530.65 613.42 Td (10,698) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 598.42 Td (Customer accounts receivable, net of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.50 588.42 Td (allowance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 588.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.65 588.42 Td (173,054) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 588.42 Td (529,108) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 588.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 588.42 Td (702,162) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 574.32 Td (Other accounts receivable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 574.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 574.32 Td (69,286) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 574.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 574.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 574.32 Td (69,286) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 561.32 Td (Inventories) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 561.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.65 561.32 Td (164,856) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 561.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 561.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 561.32 Td (164,856) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 547.42 Td (Other current assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 547.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 547.42 Td (21,505) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 547.42 Td (7,368) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.30 547.47 Td (\(1) Tj ET Q q 0 0 0 rg BT 466.63 547.47 Td (1,768) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 547.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 547.42 Td (17,105) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 533.48 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 533.48 Td (otal curr) Tj ET Q q 0 0 0 rg BT 101.65 533.48 Td (ent assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 272.15 533.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 318.65 533.48 Td (452,267) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 533.48 Td (647,174) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.30 533.53 Td (\(1) Tj ET Q q 0 0 0 rg BT 466.63 533.53 Td (1,768) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.15 533.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.15 533.48 Td (1,087,673) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 519.42 Td (Investment in and advances to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.50 509.42 Td (subsidiaries) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 509.42 Td (678,149) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.65 509.42 Td (220,107) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 509.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.30 509.47 Td (\(898,256) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 509.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 509.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 494.42 Td (Long-term portion of customer accounts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.50 484.42 Td (receivable, net of allowance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 484.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.65 484.42 Td (295,522) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 484.42 Td (320,382) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 484.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 484.42 Td (615,904) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 470.32 Td (Property and equipment, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 470.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.65 470.32 Td (159,202) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 470.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 470.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 470.32 Td (159,202) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 457.32 Td (Deferred income taxes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.65 457.32 Td (71,442) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.15 457.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 457.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 457.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 457.32 Td (71,442) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 444.32 Td (Other assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 444.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.65 444.32 Td (6,913) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 444.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 444.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 444.32 Td (6,913) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 431.48 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 431.48 Td (otal assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 223.50 431.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 249.65 431.48 Td (749,591) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 292.50 431.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 311.15 431.48 Td (1,134,01) Tj ET Q q 0 0 0 rg BT 346.15 431.48 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 361.50 431.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 431.48 Td (967,556) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 430.50 431.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.30 431.53 Td (\(910,024) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.15 431.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.50 431.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.15 431.48 Td (1,941,134) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.15 413.43 Td (Liabilities and Stockholders' Equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 399.48 Td (Curr) Tj ET Q q 0 0 0 rg BT 74.07 399.48 Td (ent liabilities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 385.42 Td (Current maturities of capital lease) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.50 375.42 Td (obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.50 375.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 375.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.50 375.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.15 375.42 Td (849) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 375.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 375.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 375.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 375.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 375.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 375.42 Td (849) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 361.32 Td (Accounts payable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 361.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.65 361.32 Td (101,612) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 361.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 361.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 361.32 Td (101,612) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 348.32 Td (Accrued expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.15 348.32 Td (686) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 348.32 Td (40,287) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 348.32 Td (6,525) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.30 348.37 Td (\(4,399) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 348.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 348.32 Td (43,099) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 335.32 Td (Other current liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 335.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 335.32 Td (25,230) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 335.32 Td (3,961) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.30 335.37 Td (\(7,370) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 335.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 335.32 Td (21,821) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 322.48 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 322.48 Td (otal curr) Tj ET Q q 0 0 0 rg BT 101.65 322.48 Td (ent liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 267.15 322.48 Td (686) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 318.65 322.48 Td (167,978) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.65 322.48 Td (10,486) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.30 322.53 Td (\(1) Tj ET Q q 0 0 0 rg BT 466.63 322.53 Td (1,769) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.15 322.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 525.65 322.48 Td (167,381) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 309.32 Td (Deferred rent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 309.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 309.32 Td (87,957) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 309.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 309.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 309.32 Td (87,957) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 295.42 Td (Long-term debt and capital lease) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.50 285.42 Td (obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 285.42 Td (219,768) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.65 285.42 Td (179,044) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 285.42 Td (745,581) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 285.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.15 285.42 Td (1,144,393) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 271.32 Td (Other long-term liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 271.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 271.32 Td (20,883) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 271.32 Td (2,730) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 271.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 271.32 Td (23,613) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 258.48 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 258.48 Td (otal liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 249.65 258.48 Td (220,454) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 318.65 258.48 Td (455,862) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 258.48 Td (758,797) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.30 258.53 Td (\(1) Tj ET Q q 0 0 0 rg BT 466.63 258.53 Td (1,769) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.15 258.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.15 258.48 Td (1,423,344) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 245.48 Td (Stockholders' equity:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 245.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.50 245.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.50 245.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.50 245.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.50 245.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 232.48 Td (T) Tj ET Q q 0 0 0 rg BT 64.25 232.48 Td (otal stockholders' equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 249.65 232.48 Td (529,137) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 318.65 232.48 Td (678,149) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 232.48 Td (208,759) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.30 232.53 Td (\(898,255) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.15 232.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 525.65 232.48 Td (517,790) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 64.50 219.43 Td (T) Tj ET Q q 0 0 0 rg BT 70.25 219.43 Td (otal liabilities and stockholders') Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 73.50 209.43 Td (equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 223.50 209.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 249.65 209.43 Td (749,591) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 292.50 209.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 311.15 209.43 Td (1,134,01) Tj ET Q q 0 0 0 rg BT 346.15 209.43 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 361.50 209.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 209.43 Td (967,556) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 430.50 209.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.30 209.48 Td (\(910,024) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.15 209.43 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.50 209.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.15 209.43 Td (1,941,134) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 187 0 obj <>] /Rotate 0 /Contents 188 0 R>> endobj 188 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (92) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 731.25 Td (Condensed ) Tj ET Q q 0 0 0 rg BT 97.56 731.25 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 153.96 731.25 Td (Statement ) Tj ET Q q 0 0 0 rg BT 197.57 731.25 Td (of ) Tj ET Q q 0 0 0 rg BT 208.40 731.25 Td (Operations ) Tj ET Q q 0 0 0 rg BT 256.46 731.25 Td (for ) Tj ET Q q 0 0 0 rg BT 271.18 731.25 Td (the ) Tj ET Q q 0 0 0 rg BT 286.46 731.25 Td (year ) Tj ET Q q 0 0 0 rg BT 306.73 731.25 Td (ended ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 333.67 731.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 385.62 731.25 Td (2017) Tj ET Q BT /F4 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 680.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 680.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 680.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 680.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 680.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 680.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 680.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 680.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 680.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 680.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 652.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 652.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 652.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 652.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 652.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 652.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 652.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 652.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 652.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 652.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 626.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 626.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 626.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 626.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 626.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 626.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 626.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 626.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 626.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 626.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 600.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 600.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 600.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 600.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 600.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 600.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 600.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 600.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 600.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 600.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 562.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 562.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 562.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 562.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 562.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 562.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 562.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 562.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 562.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 562.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 536.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 536.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 536.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 536.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 536.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 536.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 536.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 536.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 536.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 536.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 508.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 508.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 508.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 508.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 508.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 508.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 508.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 508.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 508.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 508.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 482.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 482.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 482.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 482.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 482.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 482.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 482.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 482.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 482.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 482.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 456.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 456.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 456.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 456.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 456.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 456.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 456.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 456.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 456.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 456.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 418.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 418.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 418.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 418.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 418.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 418.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 418.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 418.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 418.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 418.75 65.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 680.75 m 286 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 680.75 m 355 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 680.75 m 424 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 680.75 m 493 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 680.75 m 562 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 680.75 m 286 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 626.75 m 286 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 626.75 m 355 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 626.75 m 424 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 626.75 m 493 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 626.75 m 562 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 626.75 m 286 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 613.75 m 286 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 626.75 m 355 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 613.75 m 355 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 626.75 m 424 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 613.75 m 424 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 626.75 m 493 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 613.75 m 493 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 626.75 m 562 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 613.75 m 562 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 536.75 m 286 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 521.75 m 286 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 536.75 m 355 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 521.75 m 355 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 536.75 m 424 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 521.75 m 424 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 536.75 m 493 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 521.75 m 493 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 536.75 m 562 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 521.75 m 562 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 521.75 m 286 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 521.75 m 355 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 521.75 m 424 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 521.75 m 493 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 521.75 m 562 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 482.75 m 286 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 482.75 m 355 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 482.75 m 424 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 482.75 m 493 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 482.75 m 562 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 456.75 m 286 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 456.75 m 355 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 456.75 m 424 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 456.75 m 493 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 456.75 m 562 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 418.75 m 286 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 406.75 m 286 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 404.75 m 286 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 418.75 m 355 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 406.75 m 355 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 404.75 m 355 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 418.75 m 424 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 406.75 m 424 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 404.75 m 424 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 418.75 m 493 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 406.75 m 493 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 404.75 m 493 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 418.75 m 562 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 406.75 m 562 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 404.75 m 562 404.75 l s BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 685.46 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 227.25 685.43 Td (Conn's, Inc.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 297.00 685.43 Td (Guarantors) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.40 705.43 Td (Non-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 368.00 695.43 Td (Guarantor) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 364.85 685.43 Td (Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 432.75 685.43 Td (Eliminations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.90 685.43 Td (Consolidated) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 671.48 Td (Revenues:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.50 671.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 657.42 Td (T) Tj ET Q q 0 0 0 rg BT 58.26 657.42 Td (otal net sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.50 657.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 657.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.50 657.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.15 657.42 Td (1,314,471) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 657.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 657.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 657.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 657.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 657.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.15 657.42 Td (1,314,471) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 643.32 Td (Finance char) Tj ET Q q 0 0 0 rg BT 103.77 643.32 Td (ges and other revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 643.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.65 643.32 Td (1) Tj ET Q q 0 0 0 rg BT 323.65 643.32 Td (17,028) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 643.32 Td (165,349) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 643.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 643.32 Td (282,377) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 630.32 Td (Servicing fee revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 630.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 630.32 Td (60,149) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 630.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.30 630.37 Td (\(60,149) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 630.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 630.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 617.48 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 617.48 Td (otal r) Tj ET Q q 0 0 0 rg BT 87.21 617.48 Td (evenues) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 272.15 617.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 311.15 617.48 Td (1,491,648) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 617.48 Td (165,349) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.30 617.53 Td (\(60,149) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.15 617.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.15 617.48 Td (1,596,848) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 604.48 Td (Costs and expenses:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 604.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.50 604.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.50 604.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.50 604.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.50 604.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 591.32 Td (Cost of goods sold) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 591.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.65 591.32 Td (823,082) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 591.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 591.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 591.32 Td (823,082) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 577.42 Td (Selling, general and administrative) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.50 567.42 Td (expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 567.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.65 567.42 Td (460,076) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 567.42 Td (60,969) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.30 567.47 Td (\(60,149) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 567.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 567.42 Td (460,896) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 553.32 Td (Provision for bad debts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 553.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.65 553.32 Td (6,974) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 553.32 Td (235,320) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 553.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 553.32 Td (242,294) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 540.32 Td (Char) Tj ET Q q 0 0 0 rg BT 71.85 540.32 Td (ges and credits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 540.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.65 540.32 Td (6,478) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 540.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 540.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 540.32 Td (6,478) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 526.43 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 526.43 Td (otal costs and expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 272.15 526.43 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 311.15 526.43 Td (1,296,610) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 526.43 Td (296,289) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.30 526.48 Td (\(60,149) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.15 526.43 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.15 526.43 Td (1,532,750) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 64.50 512.48 Td (Operating income \(loss\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 272.15 512.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 318.65 512.48 Td (195,038) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 384.30 512.53 Td (\(130,940) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 420.15 512.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.15 512.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 530.65 512.48 Td (64,098) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 499.32 Td (Interest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.65 499.32 Td (17,708) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 499.32 Td (13,379) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 499.32 Td (67,528) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 499.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 499.32 Td (98,615) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 486.32 Td (Loss on extinguishment of debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 486.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.15 486.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 486.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 486.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 486.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 473.48 Td (Income \(loss\) befor) Tj ET Q q 0 0 0 rg BT 140.06 473.48 Td (e income taxes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 251.30 473.48 Td (\(17,708) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.15 473.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 318.65 473.48 Td (181,659) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 384.30 473.53 Td (\(198,468) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 420.15 473.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.15 473.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.30 473.53 Td (\(34,517) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.15 473.48 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 460.32 Td (Provision \(benefit\) for income taxes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.30 460.32 Td (\(4,594) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.15 460.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 460.32 Td (47,129) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.30 460.37 Td (\(51,490) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.15 460.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 460.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 460.37 Td (\(8,955) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 460.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 447.48 Td (Net income \(loss\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 251.30 447.48 Td (\(13,1) Tj ET Q q 0 0 0 rg BT 272.13 447.48 Td (14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.15 447.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 318.65 447.48 Td (134,530) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 384.30 447.53 Td (\(146,978) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 420.15 447.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.15 447.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.30 447.53 Td (\(25,562) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.15 447.48 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 433.42 Td (Income \(loss\) from consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 423.42 Td (subsidiaries) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.30 423.42 Td (\(12,448) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.15 423.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.30 423.47 Td (\(146,978) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.15 423.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 423.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.65 423.42 Td (159,422) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 423.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 409.48 Td (Consolidated net income \(loss\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 223.50 409.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 251.30 409.48 Td (\(25,562) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.15 409.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 292.50 409.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 320.30 409.53 Td (\(12,448) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 351.15 409.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 361.50 409.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 384.30 409.53 Td (\(146,978) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 420.15 409.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 430.50 409.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.65 409.48 Td (159,422) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.50 409.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.30 409.53 Td (\(25,562) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.15 409.48 Td (\)) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 189 0 obj <>] /Rotate 0 /Contents 190 0 R>> endobj 190 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (93) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 731.25 Td (Condensed ) Tj ET Q q 0 0 0 rg BT 97.56 731.25 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 153.96 731.25 Td (Statement ) Tj ET Q q 0 0 0 rg BT 197.57 731.25 Td (of ) Tj ET Q q 0 0 0 rg BT 208.40 731.25 Td (Cash ) Tj ET Q q 0 0 0 rg BT 232.02 731.25 Td (Flows ) Tj ET Q q 0 0 0 rg BT 259.53 731.25 Td (for ) Tj ET Q q 0 0 0 rg BT 274.26 731.25 Td (the ) Tj ET Q q 0 0 0 rg BT 289.53 731.25 Td (year ) Tj ET Q q 0 0 0 rg BT 309.80 731.25 Td (ended ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 336.74 731.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 388.69 731.25 Td (2017) Tj ET Q BT /F4 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 680.75 171.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 680.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 680.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 680.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 680.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 680.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 680.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 680.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 680.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 680.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 642.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 642.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 642.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 642.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 642.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 642.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 642.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 642.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 642.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 642.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 612.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 612.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 612.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 612.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 612.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 612.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 612.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 612.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 612.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 612.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 582.75 171.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 582.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 582.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 582.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 582.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 582.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 582.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 582.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 582.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 582.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 544.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 544.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 544.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 544.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 544.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 544.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 544.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 544.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 544.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 544.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 514.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 514.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 514.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 514.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 514.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 514.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 514.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 514.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 514.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 514.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 484.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 484.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 484.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 484.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 484.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 484.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 484.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 484.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 484.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 484.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 446.75 171.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 446.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 446.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 446.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 446.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 446.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 446.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 446.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 446.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 446.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 401.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 401.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 401.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 401.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 401.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 401.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 401.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 401.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 401.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 401.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 363.75 171.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 363.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 363.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 363.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 363.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 363.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 363.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 363.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 363.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 363.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 317.75 171.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 317.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 317.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 317.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 317.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 317.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 317.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 317.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 317.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 317.75 65.00 -23.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 680.75 m 286 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 680.75 m 355 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 680.75 m 424 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 680.75 m 493 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 680.75 m 562 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 680.75 m 286 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 657.75 m 286 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 680.75 m 355 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 657.75 m 355 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 680.75 m 424 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 657.75 m 424 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 680.75 m 493 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 657.75 m 493 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 680.75 m 562 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 657.75 m 562 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 582.75 m 286 582.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 559.75 m 286 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 582.75 m 355 582.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 559.75 m 355 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 582.75 m 424 582.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 559.75 m 424 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 582.75 m 493 582.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 559.75 m 493 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 582.75 m 562 582.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 559.75 m 562 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 386.75 m 286 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 363.75 m 286 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 386.75 m 355 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 363.75 m 355 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 386.75 m 424 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 363.75 m 424 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 386.75 m 493 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 363.75 m 493 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 386.75 m 562 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 363.75 m 562 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 317.75 m 286 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 295.75 m 286 295.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 293.75 m 286 293.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 317.75 m 355 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 295.75 m 355 295.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 293.75 m 355 293.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 317.75 m 424 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 295.75 m 424 295.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 293.75 m 424 293.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 317.75 m 493 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 295.75 m 493 295.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 293.75 m 493 293.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 317.75 m 562 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 295.75 m 562 295.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 293.75 m 562 293.75 l s BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 685.46 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 227.25 685.43 Td (Conn's, Inc.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 297.00 685.43 Td (Guarantors) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.40 705.43 Td (Non-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 368.00 695.43 Td (Guarantor) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 364.85 685.43 Td (Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 432.75 685.43 Td (Eliminations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.90 685.43 Td (Consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 671.20 Td (Net cash pr) Tj ET Q q 0 0 0 rg BT 96.33 671.20 Td (ovided by \(used in\) operating) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 61.50 662.20 Td (activities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.50 662.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 259.25 662.20 Td (\(1,268) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.50 662.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.50 662.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.25 662.20 Td (\(723,018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.50 662.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.50 662.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.25 662.20 Td (929,457) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.50 662.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.50 662.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 662.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.25 662.20 Td (205,171) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 647.20 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 103.42 647.20 Td (om investing activities:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.50 647.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.50 647.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.50 647.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 647.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 647.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 632.21 Td (Purchase of customer accounts receivables) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 632.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.50 632.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.25 632.21 Td (\(923,842) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.50 632.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.25 632.21 Td (923,842) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.50 632.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 617.21 Td (Sale of customer accounts receivables) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 617.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.25 617.21 Td (923,842) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 617.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.25 617.21 Td (\(923,842) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 617.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.50 617.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 602.21 Td (Purchase of property and equipment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 602.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.75 602.21 Td (\(46,556) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.50 602.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 602.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 602.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.75 602.21 Td (\(46,556) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 602.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 587.21 Td (Proceeds from sales of property) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 587.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.75 587.21 Td (10,806) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 587.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 587.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.75 587.21 Td (10,806) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 58.50 573.20 Td (Net cash pr) Tj ET Q q 0 0 0 rg BT 102.33 573.20 Td (ovided by \(used in\) investing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 67.50 564.20 Td (activities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.50 564.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.25 564.20 Td (888,092) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.25 564.20 Td (\(923,842) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.50 564.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.50 564.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.75 564.20 Td (\(35,750) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 564.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 549.20 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 103.34 549.20 Td (om financing activities:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.50 549.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.50 549.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.50 549.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 549.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 549.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 534.21 Td (Proceeds from issuance of asset-backed notes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 534.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.50 534.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.50 534.21 Td (1,067,850) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 534.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 534.21 Td (1,067,850) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 519.21 Td (Payments on asset-backed notes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 519.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.50 519.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.50 519.21 Td (\(1,032,842) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.50 519.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 519.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.50 519.21 Td (\(1,032,842) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 519.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 504.21 Td (Changes in restricted cash balances) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 504.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.50 504.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 504.21 Td (\(32,122) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.50 504.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 504.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.75 504.21 Td (\(32,122) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 504.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 489.21 Td (Borrowings from revolving credit facility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 489.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.25 489.21 Td (724,697) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 489.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 489.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.25 489.21 Td (724,697) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 474.21 Td (Payments on revolving credit facility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 474.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.25 474.21 Td (\(876,404) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.50 474.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 474.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 474.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.25 474.21 Td (\(876,404) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 474.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 460.21 Td (Payment of debt issuance costs and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 61.50 451.21 Td (amendment fees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 451.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.25 451.21 Td (\(1,215) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.50 451.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 451.21 Td (\(8,501) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.50 451.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 451.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.25 451.21 Td (\(9,716) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 451.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 437.21 Td (Proceeds from stock issued under employee) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 61.50 428.21 Td (benefit plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 262.25 428.21 Td (1,268) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.50 428.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 428.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 428.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.25 428.21 Td (1,268) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 415.01 Td (T) Tj ET Q q 0 0 0 rg BT 57.37 415.01 Td (ax Payments associated with equity-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 61.50 406.01 Td (compensation transactions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 406.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.50 406.21 Td (\(40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.50 406.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 406.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 406.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.50 406.21 Td (\(40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 406.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 391.21 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 391.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 391.21 Td (\(800) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.50 391.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 391.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 391.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 391.21 Td (\(800) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 391.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 58.50 377.20 Td (Net cash pr) Tj ET Q q 0 0 0 rg BT 102.33 377.20 Td (ovided by \(used in\) financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 58.50 368.20 Td (activities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 262.25 368.20 Td (1,268) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.25 368.20 Td (\(153,762) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.50 368.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.25 368.20 Td (\(5,615) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.50 368.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.50 368.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.25 368.20 Td (\(158,109) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 368.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 64.50 354.20 Td (Net change in cash and cash) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 73.50 345.20 Td (equivalents) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.50 345.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.75 345.20 Td (1) Tj ET Q q 0 0 0 rg BT 331.25 345.20 Td (1,312) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.50 345.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.50 345.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.75 345.20 Td (1) Tj ET Q q 0 0 0 rg BT 538.25 345.20 Td (1,312) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 64.50 331.21 Td (Cash and cash equivalents, beginning of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 73.50 322.21 Td (period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 322.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.75 322.21 Td (12,254) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 322.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 322.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.75 322.21 Td (12,254) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 70.50 308.20 Td (Cash and cash equivalents, end of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 79.50 299.20 Td (period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.50 299.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.50 299.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.50 299.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.75 299.20 Td (23,566) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.50 299.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.50 299.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.50 299.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.50 299.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 299.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.75 299.20 Td (23,566) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 191 0 obj <>] /Rotate 0 /Contents 192 0 R>> endobj 192 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (94) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 731.25 Td (Condensed ) Tj ET Q q 0 0 0 rg BT 97.56 731.25 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 153.96 731.25 Td (Statement ) Tj ET Q q 0 0 0 rg BT 197.57 731.25 Td (of ) Tj ET Q q 0 0 0 rg BT 208.40 731.25 Td (Operations ) Tj ET Q q 0 0 0 rg BT 256.46 731.25 Td (for ) Tj ET Q q 0 0 0 rg BT 271.18 731.25 Td (the ) Tj ET Q q 0 0 0 rg BT 286.46 731.25 Td (year ) Tj ET Q q 0 0 0 rg BT 306.73 731.25 Td (ended ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 333.67 731.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 385.62 731.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.62 731.25 Td (.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 680.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 680.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 680.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 680.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 680.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 680.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 680.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 680.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 680.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 680.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 652.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 652.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 652.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 652.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 652.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 652.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 652.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 652.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 652.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 652.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 626.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 626.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 626.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 626.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 626.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 626.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 626.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 626.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 626.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 626.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 600.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 600.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 600.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 600.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 600.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 600.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 600.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 600.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 600.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 600.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 562.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 562.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 562.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 562.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 562.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 562.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 562.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 562.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 562.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 562.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 536.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 536.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 536.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 536.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 536.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 536.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 536.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 536.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 536.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 536.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 508.75 171.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 508.75 65.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 508.75 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 508.75 65.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 508.75 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 508.75 65.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 508.75 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 508.75 65.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 508.75 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 508.75 65.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 474.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 474.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 474.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 474.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 474.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 474.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 474.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 474.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 474.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 474.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 448.75 171.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 448.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 448.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 448.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 448.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 448.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 448.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 448.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 448.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 448.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 422.75 171.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 422.75 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 422.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 422.75 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 422.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 422.75 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 422.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 422.75 65.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 422.75 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 422.75 65.00 -25.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 680.75 m 286 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 680.75 m 355 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 680.75 m 424 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 680.75 m 493 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 680.75 m 562 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 680.75 m 286 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 626.75 m 286 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 626.75 m 355 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 626.75 m 424 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 626.75 m 493 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 626.75 m 562 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 626.75 m 286 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 613.75 m 286 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 626.75 m 355 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 613.75 m 355 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 626.75 m 424 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 613.75 m 424 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 626.75 m 493 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 613.75 m 493 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 626.75 m 562 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 613.75 m 562 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 536.75 m 286 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 521.75 m 286 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 536.75 m 355 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 521.75 m 355 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 536.75 m 424 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 521.75 m 424 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 536.75 m 493 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 521.75 m 493 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 536.75 m 562 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 521.75 m 562 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 461.75 m 286 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 461.75 m 355 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 461.75 m 424 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 461.75 m 493 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 461.75 m 562 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 435.75 m 286 435.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 435.75 m 355 435.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 435.75 m 424 435.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 435.75 m 493 435.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 435.75 m 562 435.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 397.75 m 286 397.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 385.75 m 286 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 383.75 m 286 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 397.75 m 355 397.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 385.75 m 355 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 383.75 m 355 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 397.75 m 424 397.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 385.75 m 424 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 383.75 m 424 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 397.75 m 493 397.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 385.75 m 493 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 383.75 m 493 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 397.75 m 562 397.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 385.75 m 562 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 383.75 m 562 383.75 l s BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 685.46 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 227.25 685.43 Td (Conn's, Inc.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 297.00 685.43 Td (Guarantors) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.40 705.43 Td (Non-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 368.00 695.43 Td (Guarantor) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 364.85 685.43 Td (Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 432.75 685.43 Td (Eliminations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.90 685.43 Td (Consolidated) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 671.48 Td (Revenues:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.50 671.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 657.42 Td (T) Tj ET Q q 0 0 0 rg BT 58.26 657.42 Td (otal net sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.50 657.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 657.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.50 657.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.15 657.42 Td (1,322,589) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.50 657.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 657.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 657.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 657.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 657.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.15 657.42 Td (1,322,589) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 643.32 Td (Finance char) Tj ET Q q 0 0 0 rg BT 103.77 643.32 Td (ges and other revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 643.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.65 643.32 Td (201,494) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 643.32 Td (89,095) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 643.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 643.32 Td (290,589) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 630.32 Td (Servicing fee revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 630.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 630.32 Td (28,395) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 630.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.30 630.37 Td (\(28,395) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 630.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 630.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 617.48 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 617.48 Td (otal r) Tj ET Q q 0 0 0 rg BT 87.21 617.48 Td (evenues) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 272.15 617.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 311.15 617.48 Td (1,552,478) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.65 617.48 Td (89,095) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.30 617.53 Td (\(28,395) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.15 617.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.15 617.48 Td (1,613,178) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 604.48 Td (Costs and expenses:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.50 604.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.50 604.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.50 604.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.50 604.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.50 604.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 591.32 Td (Cost of goods sold) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 591.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.65 591.32 Td (833,126) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 591.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 591.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 591.32 Td (833,126) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 577.42 Td (Selling, general and administrative) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.50 567.42 Td (expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 567.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.65 567.42 Td (436,1) Tj ET Q q 0 0 0 rg BT 341.15 567.42 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 567.42 Td (28,395) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.30 567.47 Td (\(28,395) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 567.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 567.42 Td (436,1) Tj ET Q q 0 0 0 rg BT 548.15 567.42 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 553.32 Td (Provision for bad debts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 553.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.65 553.32 Td (169,831) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 553.32 Td (52,346) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 553.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 553.32 Td (222,177) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 540.32 Td (Char) Tj ET Q q 0 0 0 rg BT 71.85 540.32 Td (ges and credits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 540.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.65 540.32 Td (8,044) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 540.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 540.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 540.32 Td (8,044) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 526.43 Td (T) Tj ET Q q 0 0 0 rg BT 64.71 526.43 Td (otal costs and expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 272.15 526.43 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 311.15 526.43 Td (1,447,1) Tj ET Q q 0 0 0 rg BT 341.15 526.43 Td (16) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.65 526.43 Td (80,741) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.30 526.48 Td (\(28,395) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.15 526.43 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.15 526.43 Td (1,499,462) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 64.50 512.48 Td (Operating income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 272.15 512.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 318.65 512.48 Td (105,362) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.65 512.48 Td (8,354) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.15 512.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 525.65 512.48 Td (1) Tj ET Q q 0 0 0 rg BT 530.65 512.48 Td (13,716) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 499.32 Td (\(Income\) loss from consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 489.37 Td (subsidiaries) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 492.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.15 492.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 492.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 492.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 478.32 Td (Interest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.65 478.32 Td (19,189) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 478.32 Td (15,551) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 478.32 Td (28,366) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 478.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 478.32 Td (63,106) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 465.32 Td (Loss on extinguishment of debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.15 465.32 Td (483) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.15 465.32 Td (884) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 465.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 465.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 465.32 Td (1,367) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 452.48 Td (Income \(loss\) befor) Tj ET Q q 0 0 0 rg BT 140.06 452.48 Td (e income taxes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 251.30 452.48 Td (\(19,672) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.15 452.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 323.65 452.48 Td (88,927) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.30 452.53 Td (\(20,012) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 420.15 452.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.15 452.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 530.65 452.48 Td (49,243) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 439.32 Td (\(Benefit\) provision for income taxes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.30 439.32 Td (\(7,346) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.15 439.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 439.32 Td (33,207) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.30 439.37 Td (\(7,473) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.15 439.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.15 439.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 439.32 Td (18,388) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 426.48 Td (Net income \(loss\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 251.30 426.48 Td (\(12,326) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.15 426.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 323.65 426.48 Td (55,720) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.30 426.53 Td (\(12,539) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 420.15 426.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 479.15 426.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 530.65 426.48 Td (30,855) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 412.42 Td (Income \(loss\) from consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 402.42 Td (subsidiaries) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.65 402.42 Td (43,181) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.30 402.47 Td (\(12,539) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.15 402.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 402.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 402.42 Td (30,642) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 402.42 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 388.48 Td (Consolidated net income \(loss\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 223.50 388.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 254.65 388.48 Td (30,855) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 292.50 388.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 323.65 388.48 Td (43,181) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 361.50 388.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.30 388.53 Td (\(12,539) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 420.15 388.48 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 430.50 388.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.65 388.48 Td (30,642) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.50 388.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 530.65 388.48 Td (30,855) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 193 0 obj <>] /Rotate 0 /Contents 194 0 R>> endobj 194 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (95) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 731.25 Td (Condensed ) Tj ET Q q 0 0 0 rg BT 97.56 731.25 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 153.96 731.25 Td (Statement ) Tj ET Q q 0 0 0 rg BT 197.57 731.25 Td (of ) Tj ET Q q 0 0 0 rg BT 208.40 731.25 Td (Cash ) Tj ET Q q 0 0 0 rg BT 232.02 731.25 Td (Flows ) Tj ET Q q 0 0 0 rg BT 259.53 731.25 Td (for ) Tj ET Q q 0 0 0 rg BT 274.26 731.25 Td (the ) Tj ET Q q 0 0 0 rg BT 289.53 731.25 Td (year ) Tj ET Q q 0 0 0 rg BT 309.80 731.25 Td (ended ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 336.74 731.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 388.69 731.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.69 731.25 Td (.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 680.75 171.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 680.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 680.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 680.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 680.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 680.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 680.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 680.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 680.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 680.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 642.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 642.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 642.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 642.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 642.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 642.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 642.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 642.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 642.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 642.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 612.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 612.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 612.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 612.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 612.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 612.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 612.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 612.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 612.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 612.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 582.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 582.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 582.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 582.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 582.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 582.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 582.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 582.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 582.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 582.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 544.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 544.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 544.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 544.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 544.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 544.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 544.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 544.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 544.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 544.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 514.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 514.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 514.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 514.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 514.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 514.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 514.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 514.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 514.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 514.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 484.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 484.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 484.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 484.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 484.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 484.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 484.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 484.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 484.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 484.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 454.75 171.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 454.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 454.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 454.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 454.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 454.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 454.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 454.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 454.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 454.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 417.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 417.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 417.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 417.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 417.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 417.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 417.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 417.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 417.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 417.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 379.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 379.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 379.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 379.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 379.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 379.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 379.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 379.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 379.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 379.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 341.75 171.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 341.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 341.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 341.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 341.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 341.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 341.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 341.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 341.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 341.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 303.75 171.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 303.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 303.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 303.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 303.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 303.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 303.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 303.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 303.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 303.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 257.75 171.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 257.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.00 257.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 257.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 257.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 257.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 257.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 257.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 257.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 257.75 65.00 -23.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 680.75 m 286 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 680.75 m 355 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 680.75 m 424 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 680.75 m 493 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 680.75 m 562 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 680.75 m 286 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 657.75 m 286 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 680.75 m 355 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 657.75 m 355 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 680.75 m 424 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 657.75 m 424 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 680.75 m 493 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 657.75 m 493 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 680.75 m 562 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 657.75 m 562 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 567.75 m 286 567.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 544.75 m 286 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 567.75 m 355 567.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 544.75 m 355 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 567.75 m 424 567.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 544.75 m 424 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 567.75 m 493 567.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 544.75 m 493 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 567.75 m 562 567.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 544.75 m 562 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 326.75 m 286 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 303.75 m 286 303.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 326.75 m 355 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 303.75 m 355 303.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 326.75 m 424 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 303.75 m 424 303.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 326.75 m 493 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 303.75 m 493 303.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 326.75 m 562 326.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 303.75 m 562 303.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 257.75 m 286 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 235.75 m 286 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 233.75 m 286 233.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 257.75 m 355 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 235.75 m 355 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 233.75 m 355 233.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 257.75 m 424 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 235.75 m 424 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 233.75 m 424 233.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 257.75 m 493 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 235.75 m 493 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 233.75 m 493 233.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 257.75 m 562 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 235.75 m 562 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 233.75 m 562 233.75 l s BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 685.46 Td (\(in thousands\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 227.25 685.43 Td (Conn's, Inc.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 297.00 685.43 Td (Guarantors) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.40 705.43 Td (Non-) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 368.00 695.43 Td (Guarantor) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 364.85 685.43 Td (Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 432.75 685.43 Td (Eliminations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 500.90 685.43 Td (Consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 671.20 Td (Net cash pr) Tj ET Q q 0 0 0 rg BT 96.33 671.20 Td (ovided by \(used in\) operating) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 61.50 662.20 Td (activities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.50 662.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.75 662.20 Td (15,201) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.50 662.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.25 662.20 Td (\(651,895) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.50 662.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.50 662.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.25 662.20 Td (464,909) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.50 662.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.50 662.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 662.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.25 662.20 Td (\(171,785) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 662.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 647.20 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 103.42 647.20 Td (om investing activities:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.50 647.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.50 647.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.50 647.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 647.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 647.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 632.21 Td (Purchase of customer accounts receivables) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 632.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.50 632.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.50 632.21 Td (\(1,076,106) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.50 632.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.50 632.21 Td (1,076,106) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.50 632.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 617.21 Td (Sale of customer accounts receivables) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 617.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.50 617.21 Td (1,076,106) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 617.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.50 617.21 Td (\(1,076,106) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 617.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.50 617.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 602.21 Td (Purchase of property and equipment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 602.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.75 602.21 Td (\(63,405) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.50 602.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 602.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 602.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.75 602.21 Td (\(63,405) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 602.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 587.21 Td (Proceeds from sales of property) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 587.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.25 587.21 Td (5,647) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 587.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 587.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.25 587.21 Td (5,647) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 572.21 Td (Net change in intercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 572.21 Td (160,739) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.50 572.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 572.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.25 572.21 Td (\(160,739) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 572.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.50 572.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 58.50 558.20 Td (Net cash pr) Tj ET Q q 0 0 0 rg BT 102.33 558.20 Td (ovided by \(used in\) investing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 67.50 549.20 Td (activities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.25 549.20 Td (160,739) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 549.20 Td (1,018,348) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.50 549.20 Td (\(1,076,106) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.50 549.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.25 549.20 Td (\(160,739) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.50 549.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.75 549.20 Td (\(57,758) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 549.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 534.20 Td (Cash flows fr) Tj ET Q q 0 0 0 rg BT 103.34 534.20 Td (om financing activities:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.50 534.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.50 534.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.50 534.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 534.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 534.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 519.21 Td (Proceeds from issuance of asset-backed notes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 519.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.50 519.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.50 519.21 Td (1,1) Tj ET Q q 0 0 0 rg BT 395.75 519.21 Td (18,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 519.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 519.21 Td (1,1) Tj ET Q q 0 0 0 rg BT 533.75 519.21 Td (18,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 504.21 Td (Payments on asset-backed notes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 504.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.50 504.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.25 504.21 Td (\(400,717) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.50 504.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 504.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.25 504.21 Td (\(400,717) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 504.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 489.21 Td (Changes in restricted cash balances) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 489.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.50 489.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 489.21 Td (\(78,576) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.50 489.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 489.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.75 489.21 Td (\(78,576) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 489.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 474.21 Td (Borrowings from revolving credit facility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 474.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.25 474.21 Td (606,288) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 474.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 474.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.25 474.21 Td (606,288) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 459.21 Td (Payments on revolving credit facility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 459.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.25 459.21 Td (\(805,193) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.50 459.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 459.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 459.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.25 459.21 Td (\(805,193) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 459.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 445.21 Td (Repurchase of senior notes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 254.75 445.21 Td (\(22,965) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.50 445.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.50 445.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 445.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 445.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.75 445.21 Td (\(22,965) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 445.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 431.21 Td (Payment of debt issuance costs and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 61.50 422.21 Td (amendment fees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.25 422.21 Td (\(3,847) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.50 422.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.25 422.21 Td (\(4,419) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.50 422.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 422.21 Td (\(27,510) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.50 422.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 422.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.75 422.21 Td (\(35,776) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 422.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 407.21 Td (Repurchases of common stock) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.25 407.21 Td (\(151,781) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.50 407.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.50 407.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 407.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 407.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.25 407.21 Td (\(151,781) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 407.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 393.21 Td (Proceeds from stock issued under employee) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 61.50 384.21 Td (benefit plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 262.25 384.21 Td (2,653) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.50 384.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 384.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 384.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.25 384.21 Td (2,653) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 369.21 Td (Net change in intercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 369.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.25 369.21 Td (\(160,739) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.50 369.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 369.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.25 369.21 Td (160,739) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.50 369.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 355.21 Td (T) Tj ET Q q 0 0 0 rg BT 57.37 355.21 Td (ax Payments associated with equity-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 61.50 346.21 Td (compensation transactions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 346.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.25 346.21 Td (\(1,726) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.50 346.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 346.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 346.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.25 346.21 Td (\(1,726) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 346.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 331.21 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 331.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 331.21 Td (\(633) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.50 331.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 331.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 331.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 331.21 Td (\(633) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 331.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 58.50 317.20 Td (Net cash \(used in\) pr) Tj ET Q q 0 0 0 rg BT 137.84 317.20 Td (ovided by financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 58.50 308.20 Td (activities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.25 308.20 Td (\(175,940) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.50 308.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.25 308.20 Td (\(366,422) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.50 308.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.25 308.20 Td (61) Tj ET Q q 0 0 0 rg BT 400.25 308.20 Td (1,197) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.25 308.20 Td (160,739) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.25 308.20 Td (229,574) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 64.50 294.20 Td (Net change in cash and cash) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 73.50 285.20 Td (equivalents) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.50 285.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.50 285.20 Td (31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.50 285.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.50 285.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.50 285.20 Td (31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 64.50 271.21 Td (Cash and cash equivalents, beginning of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 73.50 262.21 Td (period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 262.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.75 262.21 Td (12,223) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 262.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 262.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.75 262.21 Td (12,223) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 70.50 248.20 Td (Cash and cash equivalents, end of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 79.50 239.20 Td (period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.50 239.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.50 239.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.50 239.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.75 239.20 Td (12,254) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.50 239.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.50 239.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.50 239.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.50 239.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 239.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.75 239.20 Td (12,254) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 195 0 obj <>] /Rotate 0 /Contents 196 0 R>> endobj 196 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (96) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 731.25 Td (16. ) Tj ET Q q 0 0 0 rg BT 64.50 731.25 Td ( ) Tj ET Q q 0 0 0 rg BT 67.50 731.25 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 112.76 731.25 Td (Information ) Tj ET Q q 0 0 0 rg BT 167.49 731.25 Td (\(Unaudited\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.16 731.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 713.25 Td (The ) Tj ET Q q 0 0 0 rg BT 66.68 713.25 Td (following ) Tj ET Q q 0 0 0 rg BT 107.20 713.25 Td (tables ) Tj ET Q q 0 0 0 rg BT 132.16 713.25 Td (set ) Tj ET Q q 0 0 0 rg BT 144.90 713.25 Td (forth ) Tj ET Q q 0 0 0 rg BT 165.97 713.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 194.81 713.25 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 232.53 713.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 269.15 713.25 Td (data ) Tj ET Q q 0 0 0 rg BT 287.44 713.25 Td (for ) Tj ET Q q 0 0 0 rg BT 300.73 713.25 Td (the ) Tj ET Q q 0 0 0 rg BT 314.58 713.25 Td (years ) Tj ET Q q 0 0 0 rg BT 337.31 713.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.82 713.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 410.55 713.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.55 713.25 Td ( ) Tj ET Q q 0 0 0 rg BT 432.19 713.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.26 713.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.26 713.25 Td ( ) Tj ET Q q 0 0 0 rg BT 469.89 713.25 Td (that ) Tj ET Q q 0 0 0 rg BT 486.52 713.25 Td (have ) Tj ET Q q 0 0 0 rg BT 507.03 713.25 Td (been ) Tj ET Q q 0 0 0 rg BT 527.54 713.25 Td (prepared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 701.25 Td (on ) Tj ET Q q 0 0 0 rg BT 62.20 701.25 Td (a ) Tj ET Q q 0 0 0 rg BT 69.34 701.25 Td (consistent ) Tj ET Q q 0 0 0 rg BT 112.04 701.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 134.74 701.25 Td (as ) Tj ET Q q 0 0 0 rg BT 145.78 701.25 Td (the ) Tj ET Q q 0 0 0 rg BT 160.70 701.25 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 221.71 701.25 Td (audited ) Tj ET Q q 0 0 0 rg BT 253.85 701.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 307.09 701.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 344.77 701.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 389.69 701.25 Td (and ) Tj ET Q q 0 0 0 rg BT 406.83 701.25 Td (include ) Tj ET Q q 0 0 0 rg BT 438.97 701.25 Td (all ) Tj ET Q q 0 0 0 rg BT 451.66 701.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 502.14 701.25 Td (necessary ) Tj ET Q q 0 0 0 rg BT 543.71 701.25 Td (for ) Tj ET Q q 0 0 0 rg BT 558.07 701.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 689.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 65.88 689.25 Td (presentation, ) Tj ET Q q 0 0 0 rg BT 119.75 689.25 Td (in ) Tj ET Q q 0 0 0 rg BT 130.03 689.25 Td (all ) Tj ET Q q 0 0 0 rg BT 142.52 689.25 Td (material ) Tj ET Q q 0 0 0 rg BT 177.78 689.25 Td (respects, ) Tj ET Q q 0 0 0 rg BT 214.99 689.25 Td (of ) Tj ET Q q 0 0 0 rg BT 225.82 689.25 Td (the ) Tj ET Q q 0 0 0 rg BT 240.54 689.25 Td (information ) Tj ET Q q 0 0 0 rg BT 290.25 689.25 Td (shown:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 612.75 190.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.00 612.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 612.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.00 612.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 612.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 612.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 612.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.00 612.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 582.75 190.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.00 582.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 582.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.00 582.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 582.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 582.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 582.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.00 582.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 553.75 190.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.00 553.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 553.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.00 553.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 553.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 553.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 553.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.00 553.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 524.75 190.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.00 524.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 524.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.00 524.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 524.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 524.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 524.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.00 524.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 494.75 190.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.00 494.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 494.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.00 494.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 494.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 494.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 494.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.00 494.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 465.75 190.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.00 465.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 465.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.00 465.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 465.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 465.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 465.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.00 465.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 437.75 190.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.00 437.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 437.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.00 437.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 437.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 437.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 437.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.00 437.75 75.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 658.75 m 315 658.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315 658.75 m 319 658.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 658.75 m 394 658.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394 658.75 m 398 658.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 658.75 m 473 658.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 658.75 m 477 658.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 658.75 m 552 658.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 644.75 m 315 644.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315 644.75 m 319 644.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 644.75 m 394 644.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394 644.75 m 398 644.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 644.75 m 473 644.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 644.75 m 477 644.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 644.75 m 552 644.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 644.75 m 315 644.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 627.75 m 315 627.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315 644.75 m 319 644.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315 627.75 m 319 627.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 644.75 m 394 644.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 627.75 m 394 627.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394 644.75 m 398 644.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394 627.75 m 398 627.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 644.75 m 473 644.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 627.75 m 473 627.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 644.75 m 477 644.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 627.75 m 477 627.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 644.75 m 552 644.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 627.75 m 552 627.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 582.75 m 315 582.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 582.75 m 394 582.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 582.75 m 473 582.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 582.75 m 552 582.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 568.75 m 315 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 566.75 m 315 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 582.75 m 394 582.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 568.75 m 394 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 566.75 m 394 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 582.75 m 473 582.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 568.75 m 473 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 566.75 m 473 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 582.75 m 552 582.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 568.75 m 552 568.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 566.75 m 552 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 479.75 m 315 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 479.75 m 394 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 479.75 m 473 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 479.75 m 552 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 479.75 m 315 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 466.75 m 315 466.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 464.75 m 315 464.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 479.75 m 394 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 466.75 m 394 466.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 464.75 m 394 464.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 479.75 m 473 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 466.75 m 473 466.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 464.75 m 473 464.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 479.75 m 552 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 466.75 m 552 466.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 464.75 m 552 464.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 452.75 m 315 452.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 450.75 m 315 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 452.75 m 394 452.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 450.75 m 394 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 452.75 m 473 452.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 450.75 m 473 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 452.75 m 552 452.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 450.75 m 552 450.75 l s BT /F3 9.00 Tf ET q 0 0 0 rg BT 52.50 632.20 Td (\(dollars in thousands, except per shar) Tj ET Q q 0 0 0 rg BT 188.66 632.20 Td (e amounts\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 663.20 Td (Fiscal ) Tj ET Q q 0 0 0 rg BT 388.83 663.20 Td (Y) Tj ET Q q 0 0 0 rg BT 394.66 663.20 Td (ear) Tj ET Q q 0 0 0 rg BT 406.57 663.20 Td ( 2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.20 649.20 Td (Quarter) Tj ET Q q 0 0 0 rg BT 397.61 649.20 Td ( Ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.10 632.20 Td (April 30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.10 632.20 Td (July 31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.70 632.20 Td (October) Tj ET Q q 0 0 0 rg BT 447.11 632.20 Td ( 31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.35 632.20 Td (January 31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 617.20 Td (Revenues:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.50 617.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.50 617.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 617.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 617.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 602.21 Td (Retail Segment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.50 602.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.75 602.21 Td (279,365) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.50 602.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.75 602.21 Td (286,505) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 602.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.75 602.21 Td (291,903) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 602.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.75 602.21 Td (334,535) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 587.21 Td (Credit Segment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.25 587.21 Td (76,461) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 587.21 Td (80,142) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.25 587.21 Td (81,269) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.25 587.21 Td (85,851) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 58.50 572.20 Td (T) Tj ET Q q 0 0 0 rg BT 63.68 572.20 Td (otal r) Tj ET Q q 0 0 0 rg BT 84.26 572.20 Td (evenues) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.50 572.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.75 572.20 Td (355,826) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.50 572.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 356.75 572.20 Td (366,647) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.50 572.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.75 572.20 Td (373,172) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 572.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 514.75 572.20 Td (420,386) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 558.21 Td (Percent of annual revenues) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.25 558.21 Td (23.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.00 558.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.25 558.21 Td (24.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 558.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.25 558.21 Td (24.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.00 558.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.25 558.21 Td (27.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.00 558.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 544.20 Td (Cost and expenses:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 529.21 Td (Cost of goods sold) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.50 529.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.75 529.21 Td (171,950) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.50 529.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.75 529.21 Td (172,306) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 529.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.75 529.21 Td (175,591) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 529.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.75 529.21 Td (200,497) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 514.20 Td (Operating income \(loss\):) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.50 514.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.50 514.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.50 514.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.50 514.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 499.21 Td (Retail Segment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.50 499.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.25 499.21 Td (32,01) Tj ET Q q 0 0 0 rg BT 302.50 499.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.50 499.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 499.21 Td (31,299) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 499.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.25 499.21 Td (29,586) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 499.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.25 499.21 Td (48,583) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 484.21 Td (Credit Segment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 279.25 484.21 Td (\(1) Tj ET Q q 0 0 0 rg BT 286.75 484.21 Td (1,829) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.00 484.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.75 484.21 Td (\(2,107) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 484.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.75 484.21 Td (\(8,733) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.00 484.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.75 484.21 Td (\(3,742) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.00 484.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 58.50 470.20 Td (T) Tj ET Q q 0 0 0 rg BT 63.68 470.20 Td (otal operating income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.50 470.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.25 470.20 Td (20,182) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.50 470.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.25 470.20 Td (29,192) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.50 470.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.25 470.20 Td (20,853) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 470.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.25 470.20 Td (44,841) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 456.20 Td (Net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.50 456.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.75 456.20 Td (\(2,580) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.00 456.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.50 456.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.75 456.20 Td (4,273) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.50 456.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.75 456.20 Td (1,569) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 456.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.75 456.20 Td (3,201) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 442.20 Td (Income \(loss\) per) Tj ET Q q 0 0 0 rg BT 118.33 442.20 Td ( shar) Tj ET Q q 0 0 0 rg BT 137.42 442.20 Td (e:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.50 442.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.50 442.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.50 442.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.50 442.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 427.21 Td (Basic) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 72.50 431.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.50 427.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 427.21 Td (\(0.08) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.00 427.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.50 427.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.25 427.21 Td (0.14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 427.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.25 427.21 Td (0.05) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 427.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.25 427.21 Td (0.10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 412.21 Td (Diluted) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 79.50 416.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.50 412.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 412.21 Td (\(0.08) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.00 412.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.50 412.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.25 412.21 Td (0.14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 412.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.25 412.21 Td (0.05) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 412.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.25 412.21 Td (0.10) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 333.75 190.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.00 333.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 333.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.00 333.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 333.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 333.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 333.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.00 333.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 303.75 190.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.00 303.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 303.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.00 303.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 303.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 303.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 303.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.00 303.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 274.75 190.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.00 274.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 274.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.00 274.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 274.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 274.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 274.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.00 274.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 245.75 190.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.00 245.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 245.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.00 245.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 245.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 245.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 245.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.00 245.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 215.75 190.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.00 215.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 215.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.00 215.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 215.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 215.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 215.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.00 215.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 186.75 190.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.00 186.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 186.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.00 186.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 186.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 186.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 186.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.00 186.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 158.75 190.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.00 158.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 158.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.00 158.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 158.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 158.75 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 158.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.00 158.75 75.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 376.75 m 315 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315 376.75 m 319 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 376.75 m 394 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394 376.75 m 398 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 376.75 m 473 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 376.75 m 477 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 376.75 m 552 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 362.75 m 315 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315 362.75 m 319 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 362.75 m 394 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394 362.75 m 398 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 362.75 m 473 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 362.75 m 477 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 362.75 m 552 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 348.75 m 315 348.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315 348.75 m 319 348.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 348.75 m 394 348.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394 348.75 m 398 348.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 348.75 m 473 348.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 348.75 m 477 348.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 362.75 m 552 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 348.75 m 552 348.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 303.75 m 315 303.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 303.75 m 394 303.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 303.75 m 473 303.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 303.75 m 552 303.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 289.75 m 315 289.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 287.75 m 315 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 303.75 m 394 303.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 289.75 m 394 289.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 287.75 m 394 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 303.75 m 473 303.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 289.75 m 473 289.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 287.75 m 473 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 303.75 m 552 303.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 289.75 m 552 289.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 287.75 m 552 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 287.75 m 315 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 289.75 m 315 289.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 287.75 m 394 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 289.75 m 394 289.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 287.75 m 473 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 289.75 m 473 289.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 287.75 m 552 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 289.75 m 552 289.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 200.75 m 315 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 200.75 m 394 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394 200.75 m 398 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 200.75 m 473 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 200.75 m 552 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 200.75 m 315 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 187.75 m 315 187.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 185.75 m 315 185.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 200.75 m 394 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 187.75 m 394 187.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 185.75 m 394 185.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394 200.75 m 398 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 200.75 m 473 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 187.75 m 473 187.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 185.75 m 473 185.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 200.75 m 552 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 187.75 m 552 187.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 185.75 m 552 185.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 185.75 m 315 185.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 187.75 m 315 187.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 173.75 m 315 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240 171.75 m 315 171.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 185.75 m 394 185.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 187.75 m 394 187.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 173.75 m 394 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 171.75 m 394 171.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 185.75 m 473 185.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 187.75 m 473 187.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 173.75 m 473 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 171.75 m 473 171.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 185.75 m 552 185.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 187.75 m 552 187.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 173.75 m 552 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477 171.75 m 552 171.75 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 381.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 381.20 Td (Fiscal ) Tj ET Q q 0 0 0 rg BT 388.83 381.20 Td (Y) Tj ET Q q 0 0 0 rg BT 394.66 381.20 Td (ear) Tj ET Q q 0 0 0 rg BT 406.57 381.20 Td ( 2017) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 52.50 353.20 Td (\(dollars in thousands, except per shar) Tj ET Q q 0 0 0 rg BT 188.66 353.20 Td (e amounts\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.20 367.20 Td (Quarter) Tj ET Q q 0 0 0 rg BT 397.61 367.20 Td ( Ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.10 353.20 Td (April 30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.10 353.20 Td (July 31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.70 353.20 Td (October) Tj ET Q q 0 0 0 rg BT 447.11 353.20 Td ( 31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.35 353.20 Td (January 31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 338.20 Td (Revenues:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.50 338.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.50 338.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 338.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 338.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 323.21 Td (Retail Segment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.50 323.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.75 323.21 Td (319,036) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.50 323.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.75 323.21 Td (332,436) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 323.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.75 323.21 Td (308,370) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 323.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.75 323.21 Td (356,198) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 308.21 Td (Credit Segment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.25 308.21 Td (70,077) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 308.21 Td (65,721) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.25 308.21 Td (68,403) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.25 308.21 Td (76,607) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 58.50 293.20 Td (T) Tj ET Q q 0 0 0 rg BT 63.68 293.20 Td (otal r) Tj ET Q q 0 0 0 rg BT 84.26 293.20 Td (evenues) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.50 293.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.75 293.20 Td (389,1) Tj ET Q q 0 0 0 rg BT 298.00 293.20 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.50 293.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 356.75 293.20 Td (398,157) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.50 293.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.75 293.20 Td (376,773) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 293.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 514.75 293.20 Td (432,805) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 279.21 Td (Percent of annual revenues) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.25 279.21 Td (24.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.00 279.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.25 279.21 Td (24.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 279.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.25 279.21 Td (23.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.00 279.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.25 279.21 Td (27.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.00 279.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 265.20 Td (Cost and expenses:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 250.21 Td (Cost of goods sold) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.50 250.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.75 250.21 Td (204,466) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.50 250.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.75 250.21 Td (208,869) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 250.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.75 250.21 Td (192,374) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 250.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.75 250.21 Td (217,373) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 235.20 Td (Operating income \(loss\):) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.50 235.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.50 235.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.50 235.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.50 235.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 220.21 Td (Retail Segment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.50 220.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.25 220.21 Td (33,663) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.50 220.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 220.21 Td (35,707) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 220.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.25 220.21 Td (33,946) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 220.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.25 220.21 Td (56,096) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 205.21 Td (Credit Segment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 279.25 205.21 Td (\(21,007) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.00 205.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.25 205.21 Td (\(29,356) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 205.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.25 205.21 Td (\(17,555) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.00 205.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.25 205.21 Td (\(27,396) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.00 205.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 58.50 191.20 Td (T) Tj ET Q q 0 0 0 rg BT 63.68 191.20 Td (otal operating income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.50 191.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.25 191.20 Td (12,656) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.50 191.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.75 191.20 Td (6,351) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.50 191.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.25 191.20 Td (16,391) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 191.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.25 191.20 Td (28,700) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 177.20 Td (Net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.50 177.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.75 177.20 Td (\(9,749) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.00 177.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.50 177.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.25 177.20 Td (\(1) Tj ET Q q 0 0 0 rg BT 365.75 177.20 Td (1,924) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.00 177.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.50 177.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.75 177.20 Td (\(3,815) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.00 177.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 177.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 532.00 177.20 Td (\(74) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.00 177.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 163.20 Td (Loss per) Tj ET Q q 0 0 0 rg BT 85.09 163.20 Td ( shar) Tj ET Q q 0 0 0 rg BT 104.18 163.20 Td (e:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.50 163.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.50 163.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.50 163.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.50 163.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 148.21 Td (Basic) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 72.50 152.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.50 148.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 148.21 Td (\(0.32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.00 148.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.50 148.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.25 148.21 Td (\(0.39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 148.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 148.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 148.21 Td (\(0.12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.00 148.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 148.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.25 148.21 Td (0.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 133.21 Td (Diluted) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 79.50 137.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.50 133.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 133.21 Td (\(0.32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.00 133.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.50 133.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.25 133.21 Td (\(0.39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 133.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 133.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 133.21 Td (\(0.12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.00 133.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 133.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.25 133.21 Td (0.00) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.25 Td (\(1\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 111.25 Td (The ) Tj ET Q q 0 0 0 rg BT 84.75 111.25 Td (sum ) Tj ET Q q 0 0 0 rg BT 103.12 111.25 Td (of ) Tj ET Q q 0 0 0 rg BT 113.14 111.25 Td (the ) Tj ET Q q 0 0 0 rg BT 127.06 111.25 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 164.85 111.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 200.43 111.25 Td (per ) Tj ET Q q 0 0 0 rg BT 214.90 111.25 Td (share ) Tj ET Q q 0 0 0 rg BT 237.70 111.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 273.28 111.25 Td (may ) Tj ET Q q 0 0 0 rg BT 292.20 111.25 Td (not ) Tj ET Q q 0 0 0 rg BT 306.67 111.25 Td (equal ) Tj ET Q q 0 0 0 rg BT 330.03 111.25 Td (the ) Tj ET Q q 0 0 0 rg BT 343.95 111.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 367.30 111.25 Td (year ) Tj ET Q q 0 0 0 rg BT 386.21 111.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 417.90 111.25 Td (due ) Tj ET Q q 0 0 0 rg BT 434.04 111.25 Td (to ) Tj ET Q q 0 0 0 rg BT 443.52 111.25 Td (rounding ) Tj ET Q q 0 0 0 rg BT 481.32 111.25 Td (and ) Tj ET Q q 0 0 0 rg BT 497.46 111.25 Td (use ) Tj ET Q q 0 0 0 rg BT 512.49 111.25 Td (of ) Tj ET Q q 0 0 0 rg BT 522.52 111.25 Td (weighted-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 99.25 Td (average ) Tj ET Q q 0 0 0 rg BT 101.08 99.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 128.57 99.25 Td (outstanding.) Tj ET Q endstream endobj 197 0 obj <>] /Rotate 0 /Contents 198 0 R>> endobj 198 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 120.9521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.55 760.60 Td (CONNS, INC. ) Tj ET Q q 0 0 0 rg BT 291.67 760.60 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 748.60 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 748.60 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 748.60 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 748.60 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 748.60 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 748.60 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 748.60 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (97) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (17. ) Tj ET Q q 0 0 0 rg BT 65.00 742.25 Td (Subsequent ) Tj ET Q q 0 0 0 rg BT 116.97 742.25 Td (Events) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 724.25 Td (Financing ) Tj ET Q q 0 0 0 rg BT 94.66 724.25 Td (under ) Tj ET Q q 0 0 0 rg BT 121.55 724.25 Td (W) Tj ET Q q 0 0 0 rg BT 128.96 724.25 Td (ar) Tj ET Q q 0 0 0 rg BT 137.48 724.25 Td (ehouse ) Tj ET Q q 0 0 0 rg BT 168.80 724.25 Td (Financing ) Tj ET Q q 0 0 0 rg BT 213.46 724.25 Td (T) Tj ET Q q 0 0 0 rg BT 218.47 724.25 Td (ransaction ) Tj ET Q q 0 0 0 rg BT 264.81 724.25 Td (and ) Tj ET Q q 0 0 0 rg BT 283.36 724.25 Td (Early ) Tj ET Q q 0 0 0 rg BT 309.14 724.25 Td (Redemption ) Tj ET Q q 0 0 0 rg BT 360.46 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 371.79 724.25 Td (2016-B ) Tj ET Q q 0 0 0 rg BT 404.79 724.25 Td (Class ) Tj ET Q q 0 0 0 rg BT 430.57 724.25 Td (B ) Tj ET Q q 0 0 0 rg BT 440.24 724.25 Td (Notes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.52 724.25 Td (On ) Tj ET Q q 0 0 0 rg BT 483.79 724.25 Td (February ) Tj ET Q q 0 0 0 rg BT 523.45 724.25 Td (15, ) Tj ET Q q 0 0 0 rg BT 539.50 724.25 Td (2018, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (af) Tj ET Q q 0 0 0 rg BT 57.59 712.25 Td (filiates ) Tj ET Q q 0 0 0 rg BT 87.05 712.25 Td (of ) Tj ET Q q 0 0 0 rg BT 97.62 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 112.08 712.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 153.22 712.25 Td (closed ) Tj ET Q q 0 0 0 rg BT 181.01 712.25 Td (on ) Tj ET Q q 0 0 0 rg BT 193.26 712.25 Td (a ) Tj ET Q q 0 0 0 rg BT 199.94 712.25 Td (financing ) Tj ET Q q 0 0 0 rg BT 239.95 712.25 Td (transaction ) Tj ET Q q 0 0 0 rg BT 286.07 712.25 Td (in ) Tj ET Q q 0 0 0 rg BT 296.09 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 310.56 712.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 342.80 712.25 Td (of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.63 712.25 Td ($52.2 ) Tj ET Q q 0 0 0 rg BT 378.37 712.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.27 712.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 427.56 712.25 Td ("Financing"\). ) Tj ET Q q 0 0 0 rg BT 483.63 712.25 Td (The ) Tj ET Q q 0 0 0 rg BT 501.42 712.25 Td (net ) Tj ET Q q 0 0 0 rg BT 515.89 712.25 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 553.67 712.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.08 700.25 Td (Financing ) Tj ET Q q 0 0 0 rg BT 105.95 700.25 Td (were ) Tj ET Q q 0 0 0 rg BT 127.24 700.25 Td (used ) Tj ET Q q 0 0 0 rg BT 147.44 700.25 Td (to ) Tj ET Q q 0 0 0 rg BT 157.09 700.25 Td (prepay ) Tj ET Q q 0 0 0 rg BT 186.16 700.25 Td (in ) Tj ET Q q 0 0 0 rg BT 195.81 700.25 Td (full ) Tj ET Q q 0 0 0 rg BT 211.56 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 225.65 700.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 251.95 700.25 Td (2016-B ) Tj ET Q q 0 0 0 rg BT 283.82 700.25 Td (Class ) Tj ET Q q 0 0 0 rg BT 307.36 700.25 Td (B ) Tj ET Q q 0 0 0 rg BT 315.90 700.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 341.09 700.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 358.51 700.25 Td ("2016-B ) Tj ET Q q 0 0 0 rg BT 394.46 700.25 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 438.53 700.25 Td (Notes"\), ) Tj ET Q q 0 0 0 rg BT 473.64 700.25 Td (which ) Tj ET Q q 0 0 0 rg BT 499.94 700.25 Td (had ) Tj ET Q q 0 0 0 rg BT 516.25 700.25 Td (been ) Tj ET Q q 0 0 0 rg BT 536.99 700.25 Td (issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (by ) Tj ET Q q 0 0 0 rg BT 62.73 688.25 Td (Conn) Tj ET Q q 0 0 0 rg BT 87.17 688.25 Td (s ) Tj ET Q q 0 0 0 rg BT 93.79 688.25 Td (Receivables ) Tj ET Q q 0 0 0 rg BT 144.83 688.25 Td (Funding ) Tj ET Q q 0 0 0 rg BT 180.89 688.25 Td (2016-B, ) Tj ET Q q 0 0 0 rg BT 216.12 688.25 Td (LLC ) Tj ET Q q 0 0 0 rg BT 237.73 688.25 Td (under ) Tj ET Q q 0 0 0 rg BT 263.23 688.25 Td (a ) Tj ET Q q 0 0 0 rg BT 270.39 688.25 Td (securitization ) Tj ET Q q 0 0 0 rg BT 326.99 688.25 Td (transaction ) Tj ET Q q 0 0 0 rg BT 373.58 688.25 Td (entered ) Tj ET Q q 0 0 0 rg BT 405.73 688.25 Td (into ) Tj ET Q q 0 0 0 rg BT 424.02 688.25 Td (on ) Tj ET Q q 0 0 0 rg BT 436.74 688.25 Td (October ) Tj ET Q q 0 0 0 rg BT 471.68 688.25 Td (6, ) Tj ET Q q 0 0 0 rg BT 481.90 688.25 Td (2016, ) Tj ET Q q 0 0 0 rg BT 507.13 688.25 Td (that ) Tj ET Q q 0 0 0 rg BT 524.85 688.25 Td (were ) Tj ET Q q 0 0 0 rg BT 547.00 688.25 Td (still ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 99.17 676.25 Td (as ) Tj ET Q q 0 0 0 rg BT 110.00 676.25 Td (of ) Tj ET Q q 0 0 0 rg BT 120.83 676.25 Td (February ) Tj ET Q q 0 0 0 rg BT 159.42 676.25 Td (15, ) Tj ET Q q 0 0 0 rg BT 174.42 676.25 Td (2018.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (On ) Tj ET Q q 0 0 0 rg BT 64.66 658.25 Td (February ) Tj ET Q q 0 0 0 rg BT 103.19 658.25 Td (15, ) Tj ET Q q 0 0 0 rg BT 118.12 658.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 143.06 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 157.71 658.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 199.03 658.25 Td (completed ) Tj ET Q q 0 0 0 rg BT 243.11 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 257.76 658.25 Td (redemption ) Tj ET Q q 0 0 0 rg BT 305.74 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 316.50 658.25 Td (its ) Tj ET Q q 0 0 0 rg BT 328.39 658.25 Td (2016-B ) Tj ET Q q 0 0 0 rg BT 360.82 658.25 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 405.46 658.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 431.22 658.25 Td (at ) Tj ET Q q 0 0 0 rg BT 440.87 658.25 Td (an ) Tj ET Q q 0 0 0 rg BT 452.74 658.25 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 494.04 658.25 Td (redemption ) Tj ET Q q 0 0 0 rg BT 542.02 658.25 Td (price ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.83 646.25 Td ($73.6 ) Tj ET Q q 0 0 0 rg BT 85.66 646.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.55 646.25 Td ( ) Tj ET Q q 0 0 0 rg BT 116.88 646.25 Td (\(which ) Tj ET Q q 0 0 0 rg BT 146.98 646.25 Td (was ) Tj ET Q q 0 0 0 rg BT 164.86 646.25 Td (equal ) Tj ET Q q 0 0 0 rg BT 188.84 646.25 Td (to ) Tj ET Q q 0 0 0 rg BT 198.95 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 213.50 646.25 Td (entire ) Tj ET Q q 0 0 0 rg BT 238.59 646.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 287.58 646.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 325.45 646.25 Td (of, ) Tj ET Q q 0 0 0 rg BT 338.61 646.25 Td (plus ) Tj ET Q q 0 0 0 rg BT 357.61 646.25 Td (accrued ) Tj ET Q q 0 0 0 rg BT 391.03 646.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 422.79 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 439.56 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 454.10 646.25 Td (call ) Tj ET Q q 0 0 0 rg BT 470.86 646.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 509.30 646.25 Td (on, ) Tj ET Q q 0 0 0 rg BT 524.13 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 538.67 646.25 Td (2016-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (B ) Tj ET Q q 0 0 0 rg BT 58.44 634.25 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 102.42 634.25 Td (Notes\). ) Tj ET Q q 0 0 0 rg BT 133.23 634.25 Td (The ) Tj ET Q q 0 0 0 rg BT 150.55 634.25 Td (net ) Tj ET Q q 0 0 0 rg BT 164.54 634.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 188.53 634.25 Td (used ) Tj ET Q q 0 0 0 rg BT 208.64 634.25 Td (to ) Tj ET Q q 0 0 0 rg BT 218.19 634.25 Td (call ) Tj ET Q q 0 0 0 rg BT 234.40 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 248.39 634.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 271.27 634.25 Td (was) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.32 634.25 Td ($50.3 ) Tj ET Q q 0 0 0 rg BT 313.60 634.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.49 634.25 Td (, ) Tj ET Q q 0 0 0 rg BT 346.76 634.25 Td (which ) Tj ET Q q 0 0 0 rg BT 372.97 634.25 Td (is ) Tj ET Q q 0 0 0 rg BT 381.42 634.25 Td (equal ) Tj ET Q q 0 0 0 rg BT 404.85 634.25 Td (to ) Tj ET Q q 0 0 0 rg BT 414.40 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 428.39 634.25 Td (redemption ) Tj ET Q q 0 0 0 rg BT 475.71 634.25 Td (price ) Tj ET Q q 0 0 0 rg BT 497.46 634.25 Td (less ) Tj ET Q q 0 0 0 rg BT 514.24 634.25 Td (adjustments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.83 622.25 Td ($23.3 ) Tj ET Q q 0 0 0 rg BT 84.76 622.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.65 622.25 Td (for ) Tj ET Q q 0 0 0 rg BT 129.25 622.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 152.90 622.25 Td (held ) Tj ET Q q 0 0 0 rg BT 171.55 622.25 Td (in ) Tj ET Q q 0 0 0 rg BT 180.76 622.25 Td (reserve ) Tj ET Q q 0 0 0 rg BT 211.06 622.25 Td (and ) Tj ET Q q 0 0 0 rg BT 226.94 622.25 Td (collection ) Tj ET Q q 0 0 0 rg BT 267.80 622.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 304.22 622.25 Td (in ) Tj ET Q q 0 0 0 rg BT 313.43 622.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 359.82 622.25 Td (with ) Tj ET Q q 0 0 0 rg BT 379.03 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 392.68 622.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 416.33 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 426.10 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 439.75 622.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 482.27 622.25 Td (indenture ) Tj ET Q q 0 0 0 rg BT 521.46 622.25 Td (governing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.64 610.25 Td (2016-B ) Tj ET Q q 0 0 0 rg BT 97.06 610.25 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 141.69 610.25 Td (Notes. ) Tj ET Q q 0 0 0 rg BT 169.77 610.25 Td (The ) Tj ET Q q 0 0 0 rg BT 187.74 610.25 Td (dif) Tj ET Q q 0 0 0 rg BT 198.67 610.25 Td (ference ) Tj ET Q q 0 0 0 rg BT 230.50 610.25 Td (between ) Tj ET Q q 0 0 0 rg BT 266.24 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 280.88 610.25 Td (net ) Tj ET Q q 0 0 0 rg BT 295.52 610.25 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 333.48 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 344.24 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 358.70 610.25 Td (W) Tj ET Q q 0 0 0 rg BT 367.34 610.25 Td (arehouse ) Tj ET Q q 0 0 0 rg BT 405.30 610.25 Td (Financing ) Tj ET Q q 0 0 0 rg BT 447.72 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 464.58 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 479.22 610.25 Td (carrying ) Tj ET Q q 0 0 0 rg BT 514.96 610.25 Td (value ) Tj ET Q q 0 0 0 rg BT 539.04 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 610.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (2016-B ) Tj ET Q q 0 0 0 rg BT 82.50 598.25 Td (Redeemed ) Tj ET Q q 0 0 0 rg BT 127.20 598.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 153.03 598.25 Td (at ) Tj ET Q q 0 0 0 rg BT 162.75 598.25 Td (redemption ) Tj ET Q q 0 0 0 rg BT 210.79 598.25 Td (was ) Tj ET Q q 0 0 0 rg BT 228.84 598.25 Td (used ) Tj ET Q q 0 0 0 rg BT 249.67 598.25 Td (to ) Tj ET Q q 0 0 0 rg BT 259.95 598.25 Td (fund ) Tj ET Q q 0 0 0 rg BT 280.78 598.25 Td (fees, ) Tj ET Q q 0 0 0 rg BT 301.88 598.25 Td (expenses ) Tj ET Q q 0 0 0 rg BT 340.48 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 357.42 598.25 Td (a ) Tj ET Q q 0 0 0 rg BT 364.36 598.25 Td (reserve ) Tj ET Q q 0 0 0 rg BT 395.72 598.25 Td (account ) Tj ET Q q 0 0 0 rg BT 429.32 598.25 Td (related ) Tj ET Q q 0 0 0 rg BT 459.02 598.25 Td (to ) Tj ET Q q 0 0 0 rg BT 469.30 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 483.83 598.25 Td (W) Tj ET Q q 0 0 0 rg BT 492.47 598.25 Td (arehouse ) Tj ET Q q 0 0 0 rg BT 530.51 598.25 Td (facility) Tj ET Q q 0 0 0 rg BT 558.18 598.25 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (Equity ) Tj ET Q q 0 0 0 rg BT 78.69 574.25 Td (A) Tj ET Q q 0 0 0 rg BT 84.25 574.25 Td (war) Tj ET Q q 0 0 0 rg BT 99.44 574.25 Td (ds. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.62 574.25 Td (On ) Tj ET Q q 0 0 0 rg BT 128.63 574.25 Td (March ) Tj ET Q q 0 0 0 rg BT 157.51 574.25 Td (28, ) Tj ET Q q 0 0 0 rg BT 172.80 574.25 Td (2017, ) Tj ET Q q 0 0 0 rg BT 198.09 574.25 Td (the ) Tj ET Q q 0 0 0 rg BT 213.09 574.25 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 273.66 574.25 Td (Committee ) Tj ET Q q 0 0 0 rg BT 320.88 574.25 Td (of ) Tj ET Q q 0 0 0 rg BT 332.00 574.25 Td (the ) Tj ET Q q 0 0 0 rg BT 347.01 574.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 374.23 574.25 Td (of ) Tj ET Q q 0 0 0 rg BT 385.35 574.25 Td (Directors ) Tj ET Q q 0 0 0 rg BT 425.35 574.25 Td (approved ) Tj ET Q q 0 0 0 rg BT 465.34 574.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 493.12 574.25 Td (awards ) Tj ET Q q 0 0 0 rg BT 524.23 574.25 Td (to ) Tj ET Q q 0 0 0 rg BT 534.80 574.25 Td (certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 562.25 Td (ficers ) Tj ET Q q 0 0 0 rg BT 83.10 562.25 Td (of ) Tj ET Q q 0 0 0 rg BT 94.17 562.25 Td (the ) Tj ET Q q 0 0 0 rg BT 109.13 562.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 150.75 562.25 Td (\(Equity ) Tj ET Q q 0 0 0 rg BT 187.32 562.25 Td (A) Tj ET Q q 0 0 0 rg BT 193.63 562.25 Td (wards\), ) Tj ET Q q 0 0 0 rg BT 230.52 562.25 Td (consisting ) Tj ET Q q 0 0 0 rg BT 273.81 562.25 Td (of ) Tj ET Q q 0 0 0 rg BT 284.89 562.25 Td (an ) Tj ET Q q 0 0 0 rg BT 297.06 562.25 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 338.67 562.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.74 562.25 Td (620,166) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.24 562.25 Td ( ) Tj ET Q q 0 0 0 rg BT 384.98 562.25 Td (non-qualified ) Tj ET Q q 0 0 0 rg BT 441.59 562.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 465.44 562.25 Td (options ) Tj ET Q q 0 0 0 rg BT 497.63 562.25 Td (\(Options\) ) Tj ET Q q 0 0 0 rg BT 547.58 562.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (77,280) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.50 550.25 Td ( ) Tj ET Q q 0 0 0 rg BT 80.61 550.25 Td (RSUs. ) Tj ET Q q 0 0 0 rg BT 111.85 550.25 Td (The ) Tj ET Q q 0 0 0 rg BT 130.51 550.25 Td (Options ) Tj ET Q q 0 0 0 rg BT 165.29 550.25 Td (and ) Tj ET Q q 0 0 0 rg BT 182.85 550.25 Td (RSUs ) Tj ET Q q 0 0 0 rg BT 209.31 550.25 Td (are ) Tj ET Q q 0 0 0 rg BT 224.63 550.25 Td (scheduled ) Tj ET Q q 0 0 0 rg BT 267.73 550.25 Td (to ) Tj ET Q q 0 0 0 rg BT 278.62 550.25 Td (vest ) Tj ET Q q 0 0 0 rg BT 297.84 550.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.73 550.25 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.73 550.25 Td ( ) Tj ET Q q 0 0 0 rg BT 326.85 550.25 Td (equal ) Tj ET Q q 0 0 0 rg BT 351.62 550.25 Td (installments ) Tj ET Q q 0 0 0 rg BT 403.06 550.25 Td (as ) Tj ET Q q 0 0 0 rg BT 414.51 550.25 Td (follows: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.40 550.25 Td (310,083) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.90 550.25 Td ( ) Tj ET Q q 0 0 0 rg BT 486.01 550.25 Td (of ) Tj ET Q q 0 0 0 rg BT 497.46 550.25 Td (the ) Tj ET Q q 0 0 0 rg BT 512.79 550.25 Td (Options ) Tj ET Q q 0 0 0 rg BT 547.57 550.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (38,640) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.50 538.25 Td ( ) Tj ET Q q 0 0 0 rg BT 80.13 538.25 Td (of ) Tj ET Q q 0 0 0 rg BT 91.08 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 105.93 538.25 Td (RSUs ) Tj ET Q q 0 0 0 rg BT 131.90 538.25 Td (to ) Tj ET Q q 0 0 0 rg BT 142.30 538.25 Td (vest ) Tj ET Q q 0 0 0 rg BT 161.04 538.25 Td (on ) Tj ET Q q 0 0 0 rg BT 173.67 538.25 Td (March ) Tj ET Q q 0 0 0 rg BT 202.39 538.25 Td (28, ) Tj ET Q q 0 0 0 rg BT 217.52 538.25 Td (2021, ) Tj ET Q q 0 0 0 rg BT 242.65 538.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.71 538.25 Td (310,083) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.21 538.25 Td ( ) Tj ET Q q 0 0 0 rg BT 294.84 538.25 Td (of ) Tj ET Q q 0 0 0 rg BT 305.80 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 320.64 538.25 Td (Options ) Tj ET Q q 0 0 0 rg BT 354.94 538.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.00 538.25 Td (38,640) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.50 538.25 Td ( ) Tj ET Q q 0 0 0 rg BT 402.13 538.25 Td (of ) Tj ET Q q 0 0 0 rg BT 413.09 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 427.93 538.25 Td (RSUs ) Tj ET Q q 0 0 0 rg BT 453.90 538.25 Td (to ) Tj ET Q q 0 0 0 rg BT 464.31 538.25 Td (vest ) Tj ET Q q 0 0 0 rg BT 483.04 538.25 Td (on ) Tj ET Q q 0 0 0 rg BT 495.67 538.25 Td (March ) Tj ET Q q 0 0 0 rg BT 524.39 538.25 Td (28, ) Tj ET Q q 0 0 0 rg BT 539.52 538.25 Td (2022. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.02 526.25 Td (Options ) Tj ET Q q 0 0 0 rg BT 102.16 526.25 Td (are ) Tj ET Q q 0 0 0 rg BT 116.84 526.25 Td (exercisable ) Tj ET Q q 0 0 0 rg BT 164.28 526.25 Td (after ) Tj ET Q q 0 0 0 rg BT 185.07 526.25 Td (vesting ) Tj ET Q q 0 0 0 rg BT 216.43 526.25 Td (at ) Tj ET Q q 0 0 0 rg BT 226.12 526.25 Td (a ) Tj ET Q q 0 0 0 rg BT 233.03 526.25 Td (strike ) Tj ET Q q 0 0 0 rg BT 257.72 526.25 Td (price ) Tj ET Q q 0 0 0 rg BT 280.18 526.25 Td (of ) Tj ET Q q 0 0 0 rg BT 290.98 526.25 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.98 526.25 Td (32.35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.48 526.25 Td (, ) Tj ET Q q 0 0 0 rg BT 323.45 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 338.14 526.25 Td (Company) Tj ET Q q 0 0 0 rg BT 379.80 526.25 Td (s ) Tj ET Q q 0 0 0 rg BT 386.17 526.25 Td (closing ) Tj ET Q q 0 0 0 rg BT 417.53 526.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 441.11 526.25 Td (price ) Tj ET Q q 0 0 0 rg BT 463.56 526.25 Td (on ) Tj ET Q q 0 0 0 rg BT 476.04 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 490.73 526.25 Td (date ) Tj ET Q q 0 0 0 rg BT 509.85 526.25 Td (of ) Tj ET Q q 0 0 0 rg BT 520.66 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 535.34 526.25 Td (Equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (A) Tj ET Q q 0 0 0 rg BT 56.30 514.25 Td (wards.) Tj ET Q endstream endobj 199 0 obj <>] /Rotate 0 /Contents 200 0 R>> endobj 200 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (98) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (ITEM ) Tj ET Q q 0 0 0 rg BT 79.17 742.25 Td (9. ) Tj ET Q q 0 0 0 rg BT 89.17 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 104.00 742.25 Td (CHANGES ) Tj ET Q q 0 0 0 rg BT 156.05 742.25 Td (IN ) Tj ET Q q 0 0 0 rg BT 169.19 742.25 Td (AND ) Tj ET Q q 0 0 0 rg BT 193.46 742.25 Td (DISAGREEMENTS ) Tj ET Q q 0 0 0 rg BT 283.66 742.25 Td (WITH ) Tj ET Q q 0 0 0 rg BT 314.03 742.25 Td (ACCOUNT) Tj ET Q q 0 0 0 rg BT 363.84 742.25 Td (ANTS ) Tj ET Q q 0 0 0 rg BT 393.12 742.25 Td (ON ) Tj ET Q q 0 0 0 rg BT 410.14 742.25 Td (ACCOUNTING ) Tj ET Q q 0 0 0 rg BT 481.62 742.25 Td (AND ) Tj ET Q q 0 0 0 rg BT 505.88 742.25 Td (FINANCIAL) Tj ET Q q 0 0 0 rg BT 562.00 742.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.00 730.25 Td (DISCLOSURE.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.52 730.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (None.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (ITEM ) Tj ET Q q 0 0 0 rg BT 79.17 694.25 Td (9A. ) Tj ET Q q 0 0 0 rg BT 104.00 694.25 Td (CONTROLS ) Tj ET Q q 0 0 0 rg BT 162.07 694.25 Td (AND ) Tj ET Q q 0 0 0 rg BT 186.24 694.25 Td (PROCEDURES.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.63 694.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (Evaluation ) Tj ET Q q 0 0 0 rg BT 99.18 676.25 Td (of ) Tj ET Q q 0 0 0 rg BT 110.01 676.25 Td (Disclosur) Tj ET Q q 0 0 0 rg BT 149.83 676.25 Td (e ) Tj ET Q q 0 0 0 rg BT 156.77 676.25 Td (Contr) Tj ET Q q 0 0 0 rg BT 182.14 676.25 Td (ols ) Tj ET Q q 0 0 0 rg BT 196.31 676.25 Td (and ) Tj ET Q q 0 0 0 rg BT 214.93 676.25 Td (Pr) Tj ET Q q 0 0 0 rg BT 225.30 676.25 Td (ocedur) Tj ET Q q 0 0 0 rg BT 254.56 676.25 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.89 676.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (Based ) Tj ET Q q 0 0 0 rg BT 77.27 658.25 Td (on ) Tj ET Q q 0 0 0 rg BT 90.11 658.25 Td (management's ) Tj ET Q q 0 0 0 rg BT 149.72 658.25 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 194.21 658.25 Td (\(with ) Tj ET Q q 0 0 0 rg BT 218.15 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 233.20 658.25 Td (participation ) Tj ET Q q 0 0 0 rg BT 286.57 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 297.74 658.25 Td (our ) Tj ET Q q 0 0 0 rg BT 313.90 658.25 Td (Chief ) Tj ET Q q 0 0 0 rg BT 338.96 658.25 Td (Executive ) Tj ET Q q 0 0 0 rg BT 381.77 658.25 Td (Of) Tj ET Q q 0 0 0 rg BT 392.14 658.25 Td (ficer ) Tj ET Q q 0 0 0 rg BT 413.29 658.25 Td (\("CEO"\) ) Tj ET Q q 0 0 0 rg BT 450.95 658.25 Td (and ) Tj ET Q q 0 0 0 rg BT 468.22 658.25 Td (Chief ) Tj ET Q q 0 0 0 rg BT 493.27 658.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 533.32 658.25 Td (Of) Tj ET Q q 0 0 0 rg BT 543.69 658.25 Td (ficer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (\("CFO"\)\), ) Tj ET Q q 0 0 0 rg BT 92.71 646.25 Td (as ) Tj ET Q q 0 0 0 rg BT 103.65 646.25 Td (of ) Tj ET Q q 0 0 0 rg BT 114.58 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 129.40 646.25 Td (end ) Tj ET Q q 0 0 0 rg BT 146.45 646.25 Td (of ) Tj ET Q q 0 0 0 rg BT 157.38 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 172.20 646.25 Td (period ) Tj ET Q q 0 0 0 rg BT 200.36 646.25 Td (covered ) Tj ET Q q 0 0 0 rg BT 234.61 646.25 Td (by ) Tj ET Q q 0 0 0 rg BT 247.21 646.25 Td (this ) Tj ET Q q 0 0 0 rg BT 264.27 646.25 Td (report, ) Tj ET Q q 0 0 0 rg BT 293.25 646.25 Td (our ) Tj ET Q q 0 0 0 rg BT 309.18 646.25 Td (CEO ) Tj ET Q q 0 0 0 rg BT 331.79 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 348.83 646.25 Td (CFO ) Tj ET Q q 0 0 0 rg BT 370.89 646.25 Td (have ) Tj ET Q q 0 0 0 rg BT 392.37 646.25 Td (concluded ) Tj ET Q q 0 0 0 rg BT 436.07 646.25 Td (that ) Tj ET Q q 0 0 0 rg BT 453.67 646.25 Td (our ) Tj ET Q q 0 0 0 rg BT 469.60 646.25 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 512.76 646.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 547.58 646.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 95.86 634.25 Td (\(as ) Tj ET Q q 0 0 0 rg BT 109.52 634.25 Td (defined ) Tj ET Q q 0 0 0 rg BT 141.50 634.25 Td (in ) Tj ET Q q 0 0 0 rg BT 151.27 634.25 Td (Rules ) Tj ET Q q 0 0 0 rg BT 176.04 634.25 Td (13a-15\(e\) ) Tj ET Q q 0 0 0 rg BT 216.90 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 233.34 634.25 Td (15d-15\(e\) ) Tj ET Q q 0 0 0 rg BT 274.76 634.25 Td (under ) Tj ET Q q 0 0 0 rg BT 299.52 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 313.74 634.25 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 354.71 634.25 Td (Act, ) Tj ET Q q 0 0 0 rg BT 373.65 634.25 Td (are ) Tj ET Q q 0 0 0 rg BT 387.85 634.25 Td (ef) Tj ET Q q 0 0 0 rg BT 395.44 634.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 424.63 634.25 Td (to ) Tj ET Q q 0 0 0 rg BT 434.41 634.25 Td (ensure ) Tj ET Q q 0 0 0 rg BT 462.50 634.25 Td (that ) Tj ET Q q 0 0 0 rg BT 479.49 634.25 Td (information ) Tj ET Q q 0 0 0 rg BT 528.70 634.25 Td (required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.48 622.25 Td (be ) Tj ET Q q 0 0 0 rg BT 72.61 622.25 Td (disclosed ) Tj ET Q q 0 0 0 rg BT 112.53 622.25 Td (by ) Tj ET Q q 0 0 0 rg BT 125.22 622.25 Td (us ) Tj ET Q q 0 0 0 rg BT 136.81 622.25 Td (in ) Tj ET Q q 0 0 0 rg BT 147.29 622.25 Td (reports ) Tj ET Q q 0 0 0 rg BT 177.76 622.25 Td (that ) Tj ET Q q 0 0 0 rg BT 195.45 622.25 Td (we ) Tj ET Q q 0 0 0 rg BT 209.81 622.25 Td (file ) Tj ET Q q 0 0 0 rg BT 225.83 622.25 Td (or ) Tj ET Q q 0 0 0 rg BT 236.86 622.25 Td (submit ) Tj ET Q q 0 0 0 rg BT 266.78 622.25 Td (under ) Tj ET Q q 0 0 0 rg BT 292.25 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 307.16 622.25 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 348.69 622.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 365.83 622.25 Td (is ) Tj ET Q q 0 0 0 rg BT 375.19 622.25 Td (recorded, ) Tj ET Q q 0 0 0 rg BT 415.37 622.25 Td (processed, ) Tj ET Q q 0 0 0 rg BT 459.99 622.25 Td (summarized ) Tj ET Q q 0 0 0 rg BT 511.56 622.25 Td (and ) Tj ET Q q 0 0 0 rg BT 528.70 622.25 Td (reported ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (within ) Tj ET Q q 0 0 0 rg BT 78.21 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 93.07 610.25 Td (time ) Tj ET Q q 0 0 0 rg BT 113.49 610.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 145.58 610.25 Td (specified ) Tj ET Q q 0 0 0 rg BT 184.32 610.25 Td (in ) Tj ET Q q 0 0 0 rg BT 194.75 610.25 Td (SEC ) Tj ET Q q 0 0 0 rg BT 215.74 610.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 237.83 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 254.91 610.25 Td (forms, ) Tj ET Q q 0 0 0 rg BT 283.39 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 300.48 610.25 Td (is ) Tj ET Q q 0 0 0 rg BT 309.80 610.25 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 362.98 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 380.06 610.25 Td (communicated ) Tj ET Q q 0 0 0 rg BT 441.58 610.25 Td (to ) Tj ET Q q 0 0 0 rg BT 452.01 610.25 Td (management, ) Tj ET Q q 0 0 0 rg BT 508.24 610.25 Td (including ) Tj ET Q q 0 0 0 rg BT 548.67 610.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 88.00 598.25 Td (executive ) Tj ET Q q 0 0 0 rg BT 128.77 598.25 Td (of) Tj ET Q q 0 0 0 rg BT 136.92 598.25 Td (ficer ) Tj ET Q q 0 0 0 rg BT 157.69 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 174.59 598.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 212.59 598.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 250.02 598.25 Td (of) Tj ET Q q 0 0 0 rg BT 258.17 598.25 Td (ficer) Tj ET Q q 0 0 0 rg BT 276.09 598.25 Td (, ) Tj ET Q q 0 0 0 rg BT 281.05 598.25 Td (as ) Tj ET Q q 0 0 0 rg BT 291.83 598.25 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 339.82 598.25 Td (to ) Tj ET Q q 0 0 0 rg BT 350.06 598.25 Td (allow ) Tj ET Q q 0 0 0 rg BT 374.73 598.25 Td (timely ) Tj ET Q q 0 0 0 rg BT 402.74 598.25 Td (decisions ) Tj ET Q q 0 0 0 rg BT 442.42 598.25 Td (regarding ) Tj ET Q q 0 0 0 rg BT 483.19 598.25 Td (required ) Tj ET Q q 0 0 0 rg BT 518.96 598.25 Td (disclosure.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 580.25 Td (Management's ) Tj ET Q q 0 0 0 rg BT 115.27 580.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 147.76 580.25 Td (on ) Tj ET Q q 0 0 0 rg BT 160.82 580.25 Td (Internal ) Tj ET Q q 0 0 0 rg BT 198.32 580.25 Td (Contr) Tj ET Q q 0 0 0 rg BT 223.69 580.25 Td (ol ) Tj ET Q q 0 0 0 rg BT 233.97 580.25 Td (over) Tj ET Q q 0 0 0 rg BT 252.67 580.25 Td ( ) Tj ET Q q 0 0 0 rg BT 255.17 580.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 297.67 580.25 Td (Reporting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.00 580.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (Please ) Tj ET Q q 0 0 0 rg BT 78.27 562.25 Td (refer ) Tj ET Q q 0 0 0 rg BT 99.87 562.25 Td (to ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 110.37 562.25 Td (Management's ) Tj ET Q q 0 0 0 rg BT 171.34 562.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 201.28 562.25 Td (on ) Tj ET Q q 0 0 0 rg BT 214.01 562.25 Td (Internal ) Tj ET Q q 0 0 0 rg BT 248.95 562.25 Td (Contr) Tj ET Q q 0 0 0 rg BT 271.92 562.25 Td (ol ) Tj ET Q q 0 0 0 rg BT 282.43 562.25 Td (over ) Tj ET Q q 0 0 0 rg BT 302.92 562.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 344.53 562.25 Td (Reporting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.53 562.25 Td ( ) Tj ET Q q 0 0 0 rg BT 387.25 562.25 Td (in ) Tj ET Q q 0 0 0 rg BT 397.76 562.25 Td (Part ) Tj ET Q q 0 0 0 rg BT 416.59 562.25 Td (II, ) Tj ET Q q 0 0 0 rg BT 428.48 562.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 449.53 562.25 Td (8., ) Tj ET Q q 0 0 0 rg BT 462.26 562.25 Td (of ) Tj ET Q q 0 0 0 rg BT 473.32 562.25 Td (this ) Tj ET Q q 0 0 0 rg BT 489.89 562.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 522.06 562.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 552.00 562.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 74.17 550.25 Td (10-K.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (Auditor's ) Tj ET Q q 0 0 0 rg BT 93.06 532.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 125.55 532.25 Td (Relating ) Tj ET Q q 0 0 0 rg BT 164.16 532.25 Td (to ) Tj ET Q q 0 0 0 rg BT 174.99 532.25 Td (Effectiveness ) Tj ET Q q 0 0 0 rg BT 233.03 532.25 Td (of ) Tj ET Q q 0 0 0 rg BT 243.86 532.25 Td (Internal ) Tj ET Q q 0 0 0 rg BT 281.36 532.25 Td (Contr) Tj ET Q q 0 0 0 rg BT 306.73 532.25 Td (ol ) Tj ET Q q 0 0 0 rg BT 317.01 532.25 Td (over) Tj ET Q q 0 0 0 rg BT 335.70 532.25 Td ( ) Tj ET Q q 0 0 0 rg BT 338.20 532.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 380.71 532.25 Td (Reporting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.04 532.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (Please ) Tj ET Q q 0 0 0 rg BT 78.28 514.25 Td (refer ) Tj ET Q q 0 0 0 rg BT 99.89 514.25 Td (to ) Tj ET Q q 0 0 0 rg BT 110.40 514.25 Td (the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 125.36 514.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 155.31 514.25 Td (of ) Tj ET Q q 0 0 0 rg BT 165.83 514.25 Td (Independent ) Tj ET Q q 0 0 0 rg BT 217.99 514.25 Td (Register) Tj ET Q q 0 0 0 rg BT 250.94 514.25 Td (ed ) Tj ET Q q 0 0 0 rg BT 263.12 514.25 Td (Public ) Tj ET Q q 0 0 0 rg BT 291.76 514.25 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 340.04 514.25 Td (Firm) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.04 514.25 Td ( ) Tj ET Q q 0 0 0 rg BT 362.77 514.25 Td (in ) Tj ET Q q 0 0 0 rg BT 373.29 514.25 Td (Part ) Tj ET Q q 0 0 0 rg BT 392.13 514.25 Td (II, ) Tj ET Q q 0 0 0 rg BT 404.03 514.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 425.09 514.25 Td (8., ) Tj ET Q q 0 0 0 rg BT 437.83 514.25 Td (of ) Tj ET Q q 0 0 0 rg BT 448.90 514.25 Td (this ) Tj ET Q q 0 0 0 rg BT 465.48 514.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 497.65 514.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 527.61 514.25 Td (on ) Tj ET Q q 0 0 0 rg BT 540.34 514.25 Td (Form ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (10-K.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 484.25 Td (Changes ) Tj ET Q q 0 0 0 rg BT 89.17 484.25 Td (in ) Tj ET Q q 0 0 0 rg BT 100.01 484.25 Td (Internal ) Tj ET Q q 0 0 0 rg BT 137.51 484.25 Td (Contr) Tj ET Q q 0 0 0 rg BT 162.89 484.25 Td (ols ) Tj ET Q q 0 0 0 rg BT 177.06 484.25 Td (Over) Tj ET Q q 0 0 0 rg BT 198.53 484.25 Td ( ) Tj ET Q q 0 0 0 rg BT 201.03 484.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 243.54 484.25 Td (Reporting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.87 484.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (There ) Tj ET Q q 0 0 0 rg BT 75.80 466.25 Td (have ) Tj ET Q q 0 0 0 rg BT 97.16 466.25 Td (been ) Tj ET Q q 0 0 0 rg BT 118.52 466.25 Td (no ) Tj ET Q q 0 0 0 rg BT 131.01 466.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 165.70 466.25 Td (in ) Tj ET Q q 0 0 0 rg BT 175.96 466.25 Td (our ) Tj ET Q q 0 0 0 rg BT 191.78 466.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 224.80 466.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 259.50 466.25 Td (over ) Tj ET Q q 0 0 0 rg BT 279.76 466.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 317.22 466.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 356.36 466.25 Td (that ) Tj ET Q q 0 0 0 rg BT 373.84 466.25 Td (occurred ) Tj ET Q q 0 0 0 rg BT 411.30 466.25 Td (in ) Tj ET Q q 0 0 0 rg BT 421.56 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 436.26 466.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 467.06 466.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.42 466.25 Td (January31, ) Tj ET Q q 0 0 0 rg BT 542.01 466.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (that ) Tj ET Q q 0 0 0 rg BT 67.50 454.25 Td (have ) Tj ET Q q 0 0 0 rg BT 88.87 454.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 131.91 454.25 Td (af) Tj ET Q q 0 0 0 rg BT 139.50 454.25 Td (fected, ) Tj ET Q q 0 0 0 rg BT 168.92 454.25 Td (or ) Tj ET Q q 0 0 0 rg BT 179.75 454.25 Td (are ) Tj ET Q q 0 0 0 rg BT 194.46 454.25 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 240.27 454.25 Td (likely ) Tj ET Q q 0 0 0 rg BT 265.55 454.25 Td (to ) Tj ET Q q 0 0 0 rg BT 275.83 454.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 318.86 454.25 Td (af) Tj ET Q q 0 0 0 rg BT 326.45 454.25 Td (fect, ) Tj ET Q q 0 0 0 rg BT 346.44 454.25 Td (our ) Tj ET Q q 0 0 0 rg BT 362.27 454.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 395.31 454.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 430.02 454.25 Td (over ) Tj ET Q q 0 0 0 rg BT 450.29 454.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 487.77 454.25 Td (reporting.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 436.25 Td (ITEM ) Tj ET Q q 0 0 0 rg BT 79.17 436.25 Td (9B. ) Tj ET Q q 0 0 0 rg BT 104.00 436.25 Td (OTHER ) Tj ET Q q 0 0 0 rg BT 142.62 436.25 Td (INFORMA) Tj ET Q q 0 0 0 rg BT 190.76 436.25 Td (TION.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.82 436.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (None.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 285.90 400.25 Td (P) Tj ET Q q 0 0 0 rg BT 291.27 400.25 Td (AR) Tj ET Q q 0 0 0 rg BT 305.36 400.25 Td (T) Tj ET Q q 0 0 0 rg BT 311.85 400.25 Td ( III) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.02 400.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (ITEM ) Tj ET Q q 0 0 0 rg BT 79.17 382.25 Td (10. ) Tj ET Q q 0 0 0 rg BT 104.00 382.25 Td (DIRECT) Tj ET Q q 0 0 0 rg BT 142.72 382.25 Td (ORS, ) Tj ET Q q 0 0 0 rg BT 168.28 382.25 Td (EXECUTIVE ) Tj ET Q q 0 0 0 rg BT 230.24 382.25 Td (OFFICERS ) Tj ET Q q 0 0 0 rg BT 282.75 382.25 Td (AND ) Tj ET Q q 0 0 0 rg BT 306.91 382.25 Td (CORPORA) Tj ET Q q 0 0 0 rg BT 356.72 382.25 Td (TE ) Tj ET Q q 0 0 0 rg BT 372.56 382.25 Td (GOVERNANCE.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.29 382.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.38 364.25 Td (information ) Tj ET Q q 0 0 0 rg BT 118.43 364.25 Td (required ) Tj ET Q q 0 0 0 rg BT 154.58 364.25 Td (by ) Tj ET Q q 0 0 0 rg BT 167.42 364.25 Td (this ) Tj ET Q q 0 0 0 rg BT 184.70 364.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 205.86 364.25 Td (is ) Tj ET Q q 0 0 0 rg BT 215.37 364.25 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 268.74 364.25 Td (herein ) Tj ET Q q 0 0 0 rg BT 296.56 364.25 Td (by ) Tj ET Q q 0 0 0 rg BT 309.39 364.25 Td (reference ) Tj ET Q q 0 0 0 rg BT 349.41 364.25 Td (to ) Tj ET Q q 0 0 0 rg BT 360.03 364.25 Td (our ) Tj ET Q q 0 0 0 rg BT 376.19 364.25 Td (definitive ) Tj ET Q q 0 0 0 rg BT 417.35 364.25 Td (Proxy ) Tj ET Q q 0 0 0 rg BT 444.08 364.25 Td (Statement ) Tj ET Q q 0 0 0 rg BT 486.90 364.25 Td (in ) Tj ET Q q 0 0 0 rg BT 497.52 364.25 Td (connection ) Tj ET Q q 0 0 0 rg BT 544.23 364.25 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.72 352.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.72 352.25 Td ( ) Tj ET Q q 0 0 0 rg BT 86.67 352.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 118.60 352.25 Td (Meeting ) Tj ET Q q 0 0 0 rg BT 154.43 352.25 Td (of ) Tj ET Q q 0 0 0 rg BT 165.26 352.25 Td (Stockholders.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (ITEM ) Tj ET Q q 0 0 0 rg BT 79.17 334.25 Td (1) Tj ET Q q 0 0 0 rg BT 83.62 334.25 Td (1. ) Tj ET Q q 0 0 0 rg BT 104.00 334.25 Td (EXECUTIVE ) Tj ET Q q 0 0 0 rg BT 165.96 334.25 Td (COMPENSA) Tj ET Q q 0 0 0 rg BT 222.44 334.25 Td (TION.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.50 334.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.38 316.25 Td (information ) Tj ET Q q 0 0 0 rg BT 118.43 316.25 Td (required ) Tj ET Q q 0 0 0 rg BT 154.58 316.25 Td (by ) Tj ET Q q 0 0 0 rg BT 167.42 316.25 Td (this ) Tj ET Q q 0 0 0 rg BT 184.70 316.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 205.86 316.25 Td (is ) Tj ET Q q 0 0 0 rg BT 215.37 316.25 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 268.74 316.25 Td (herein ) Tj ET Q q 0 0 0 rg BT 296.56 316.25 Td (by ) Tj ET Q q 0 0 0 rg BT 309.39 316.25 Td (reference ) Tj ET Q q 0 0 0 rg BT 349.41 316.25 Td (to ) Tj ET Q q 0 0 0 rg BT 360.03 316.25 Td (our ) Tj ET Q q 0 0 0 rg BT 376.19 316.25 Td (definitive ) Tj ET Q q 0 0 0 rg BT 417.35 316.25 Td (Proxy ) Tj ET Q q 0 0 0 rg BT 444.08 316.25 Td (Statement ) Tj ET Q q 0 0 0 rg BT 486.90 316.25 Td (in ) Tj ET Q q 0 0 0 rg BT 497.52 316.25 Td (connection ) Tj ET Q q 0 0 0 rg BT 544.23 316.25 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.72 304.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.72 304.25 Td ( ) Tj ET Q q 0 0 0 rg BT 86.67 304.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 118.60 304.25 Td (Meeting ) Tj ET Q q 0 0 0 rg BT 154.43 304.25 Td (of ) Tj ET Q q 0 0 0 rg BT 165.26 304.25 Td (Stockholders.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (ITEM ) Tj ET Q q 0 0 0 rg BT 79.17 286.25 Td (12. ) Tj ET Q q 0 0 0 rg BT 104.00 286.25 Td (SECURITY) Tj ET Q q 0 0 0 rg BT 155.31 286.25 Td ( ) Tj ET Q q 0 0 0 rg BT 157.81 286.25 Td (OWNERSHIP) Tj ET Q q 0 0 0 rg BT 219.49 286.25 Td ( ) Tj ET Q q 0 0 0 rg BT 221.99 286.25 Td (OF) Tj ET Q q 0 0 0 rg BT 235.50 286.25 Td ( ) Tj ET Q q 0 0 0 rg BT 238.00 286.25 Td (CER) Tj ET Q q 0 0 0 rg BT 258.77 286.25 Td (T) Tj ET Q q 0 0 0 rg BT 264.69 286.25 Td (AIN ) Tj ET Q q 0 0 0 rg BT 285.53 286.25 Td (BENEFICIAL) Tj ET Q q 0 0 0 rg BT 347.21 286.25 Td ( ) Tj ET Q q 0 0 0 rg BT 349.71 286.25 Td (OWNERS ) Tj ET Q q 0 0 0 rg BT 396.11 286.25 Td (AND ) Tj ET Q q 0 0 0 rg BT 420.28 286.25 Td (MANAGEMENT) Tj ET Q q 0 0 0 rg BT 495.09 286.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.59 286.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.38 268.25 Td (information ) Tj ET Q q 0 0 0 rg BT 118.43 268.25 Td (required ) Tj ET Q q 0 0 0 rg BT 154.58 268.25 Td (by ) Tj ET Q q 0 0 0 rg BT 167.42 268.25 Td (this ) Tj ET Q q 0 0 0 rg BT 184.70 268.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 205.86 268.25 Td (is ) Tj ET Q q 0 0 0 rg BT 215.37 268.25 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 268.74 268.25 Td (herein ) Tj ET Q q 0 0 0 rg BT 296.56 268.25 Td (by ) Tj ET Q q 0 0 0 rg BT 309.39 268.25 Td (reference ) Tj ET Q q 0 0 0 rg BT 349.41 268.25 Td (to ) Tj ET Q q 0 0 0 rg BT 360.03 268.25 Td (our ) Tj ET Q q 0 0 0 rg BT 376.19 268.25 Td (definitive ) Tj ET Q q 0 0 0 rg BT 417.35 268.25 Td (Proxy ) Tj ET Q q 0 0 0 rg BT 444.08 268.25 Td (Statement ) Tj ET Q q 0 0 0 rg BT 486.90 268.25 Td (in ) Tj ET Q q 0 0 0 rg BT 497.52 268.25 Td (connection ) Tj ET Q q 0 0 0 rg BT 544.23 268.25 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.72 256.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.72 256.25 Td ( ) Tj ET Q q 0 0 0 rg BT 86.67 256.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 118.60 256.25 Td (Meeting ) Tj ET Q q 0 0 0 rg BT 154.43 256.25 Td (of ) Tj ET Q q 0 0 0 rg BT 165.26 256.25 Td (Stockholders.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td (ITEM ) Tj ET Q q 0 0 0 rg BT 79.17 238.25 Td (13. ) Tj ET Q q 0 0 0 rg BT 104.00 238.25 Td (CER) Tj ET Q q 0 0 0 rg BT 124.76 238.25 Td (T) Tj ET Q q 0 0 0 rg BT 130.69 238.25 Td (AIN ) Tj ET Q q 0 0 0 rg BT 151.52 238.25 Td (RELA) Tj ET Q q 0 0 0 rg BT 178.57 238.25 Td (TIONSHIPS ) Tj ET Q q 0 0 0 rg BT 234.98 238.25 Td (AND ) Tj ET Q q 0 0 0 rg BT 259.14 238.25 Td (RELA) Tj ET Q q 0 0 0 rg BT 286.18 238.25 Td (TED ) Tj ET Q q 0 0 0 rg BT 309.06 238.25 Td (TRANSACTIONS ) Tj ET Q q 0 0 0 rg BT 390.47 238.25 Td (AND ) Tj ET Q q 0 0 0 rg BT 414.64 238.25 Td (DIRECT) Tj ET Q q 0 0 0 rg BT 453.36 238.25 Td (OR ) Tj ET Q q 0 0 0 rg BT 470.86 238.25 Td (INDEPENDENCE.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.37 238.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.38 220.25 Td (information ) Tj ET Q q 0 0 0 rg BT 118.43 220.25 Td (required ) Tj ET Q q 0 0 0 rg BT 154.58 220.25 Td (by ) Tj ET Q q 0 0 0 rg BT 167.42 220.25 Td (this ) Tj ET Q q 0 0 0 rg BT 184.70 220.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 205.86 220.25 Td (is ) Tj ET Q q 0 0 0 rg BT 215.37 220.25 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 268.74 220.25 Td (herein ) Tj ET Q q 0 0 0 rg BT 296.56 220.25 Td (by ) Tj ET Q q 0 0 0 rg BT 309.39 220.25 Td (reference ) Tj ET Q q 0 0 0 rg BT 349.41 220.25 Td (to ) Tj ET Q q 0 0 0 rg BT 360.03 220.25 Td (our ) Tj ET Q q 0 0 0 rg BT 376.19 220.25 Td (definitive ) Tj ET Q q 0 0 0 rg BT 417.35 220.25 Td (Proxy ) Tj ET Q q 0 0 0 rg BT 444.08 220.25 Td (Statement ) Tj ET Q q 0 0 0 rg BT 486.90 220.25 Td (in ) Tj ET Q q 0 0 0 rg BT 497.52 220.25 Td (connection ) Tj ET Q q 0 0 0 rg BT 544.23 220.25 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.72 208.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.72 208.25 Td ( ) Tj ET Q q 0 0 0 rg BT 86.67 208.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 118.60 208.25 Td (Meeting ) Tj ET Q q 0 0 0 rg BT 154.43 208.25 Td (of ) Tj ET Q q 0 0 0 rg BT 165.26 208.25 Td (Stockholders.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 190.25 Td (ITEM ) Tj ET Q q 0 0 0 rg BT 79.17 190.25 Td (14. ) Tj ET Q q 0 0 0 rg BT 104.00 190.25 Td (PRINCIP) Tj ET Q q 0 0 0 rg BT 144.92 190.25 Td (AL) Tj ET Q q 0 0 0 rg BT 158.26 190.25 Td ( ) Tj ET Q q 0 0 0 rg BT 160.21 190.25 Td (ACCOUNT) Tj ET Q q 0 0 0 rg BT 210.03 190.25 Td (ANT) Tj ET Q q 0 0 0 rg BT 230.96 190.25 Td ( ) Tj ET Q q 0 0 0 rg BT 233.46 190.25 Td (FEES ) Tj ET Q q 0 0 0 rg BT 260.42 190.25 Td (AND ) Tj ET Q q 0 0 0 rg BT 284.58 190.25 Td (SER) Tj ET Q q 0 0 0 rg BT 303.68 190.25 Td (VICES.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.75 190.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.38 172.25 Td (information ) Tj ET Q q 0 0 0 rg BT 118.43 172.25 Td (required ) Tj ET Q q 0 0 0 rg BT 154.58 172.25 Td (by ) Tj ET Q q 0 0 0 rg BT 167.42 172.25 Td (this ) Tj ET Q q 0 0 0 rg BT 184.70 172.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 205.86 172.25 Td (is ) Tj ET Q q 0 0 0 rg BT 215.37 172.25 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 268.74 172.25 Td (herein ) Tj ET Q q 0 0 0 rg BT 296.56 172.25 Td (by ) Tj ET Q q 0 0 0 rg BT 309.39 172.25 Td (reference ) Tj ET Q q 0 0 0 rg BT 349.41 172.25 Td (to ) Tj ET Q q 0 0 0 rg BT 360.03 172.25 Td (our ) Tj ET Q q 0 0 0 rg BT 376.19 172.25 Td (definitive ) Tj ET Q q 0 0 0 rg BT 417.35 172.25 Td (Proxy ) Tj ET Q q 0 0 0 rg BT 444.08 172.25 Td (Statement ) Tj ET Q q 0 0 0 rg BT 486.90 172.25 Td (in ) Tj ET Q q 0 0 0 rg BT 497.52 172.25 Td (connection ) Tj ET Q q 0 0 0 rg BT 544.23 172.25 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.72 160.25 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.72 160.25 Td ( ) Tj ET Q q 0 0 0 rg BT 86.67 160.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 118.60 160.25 Td (Meeting ) Tj ET Q q 0 0 0 rg BT 154.43 160.25 Td (of ) Tj ET Q q 0 0 0 rg BT 165.26 160.25 Td (Stockholders.) Tj ET Q endstream endobj 201 0 obj <>] /Rotate 0 /Contents 202 0 R>> endobj 202 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (99) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 286.20 742.25 Td (P) Tj ET Q q 0 0 0 rg BT 291.57 742.25 Td (AR) Tj ET Q q 0 0 0 rg BT 305.66 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 312.15 742.25 Td ( IV) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.76 742.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 724.25 Td (ITEM ) Tj ET Q q 0 0 0 rg BT 79.17 724.25 Td (15. ) Tj ET Q q 0 0 0 rg BT 104.00 724.25 Td (EXHIBITS ) Tj ET Q q 0 0 0 rg BT 154.30 724.25 Td (AND ) Tj ET Q q 0 0 0 rg BT 178.47 724.25 Td (FINANCIAL) Tj ET Q q 0 0 0 rg BT 234.59 724.25 Td ( ) Tj ET Q q 0 0 0 rg BT 237.09 724.25 Td (ST) Tj ET Q q 0 0 0 rg BT 248.58 724.25 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 724.25 Td (TEMENT) Tj ET Q q 0 0 0 rg BT 298.21 724.25 Td ( ) Tj ET Q q 0 0 0 rg BT 300.71 724.25 Td (SCHEDULES.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.79 724.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 706.25 Td (The ) Tj ET Q q 0 0 0 rg BT 86.05 706.25 Td (following ) Tj ET Q q 0 0 0 rg BT 127.43 706.25 Td (documents ) Tj ET Q q 0 0 0 rg BT 173.26 706.25 Td (are ) Tj ET Q q 0 0 0 rg BT 187.97 706.25 Td (filed ) Tj ET Q q 0 0 0 rg BT 208.79 706.25 Td (as ) Tj ET Q q 0 0 0 rg BT 219.62 706.25 Td (a ) Tj ET Q q 0 0 0 rg BT 226.56 706.25 Td (part ) Tj ET Q q 0 0 0 rg BT 244.61 706.25 Td (of ) Tj ET Q q 0 0 0 rg BT 255.44 706.25 Td (this ) Tj ET Q q 0 0 0 rg BT 272.38 706.25 Td (report:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 688.25 Td (\(1\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 688.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 125.71 688.25 Td (statements: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 670.25 Td (See ) Tj ET Q q 0 0 0 rg BT 102.94 670.25 Td (listing ) Tj ET Q q 0 0 0 rg BT 130.44 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 141.27 670.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 178.75 670.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 223.47 670.25 Td (included ) Tj ET Q q 0 0 0 rg BT 260.40 670.25 Td (in ) Tj ET Q q 0 0 0 rg BT 270.68 670.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 291.50 670.25 Td (8. ) Tj ET Q q 0 0 0 rg BT 301.50 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 312.33 670.25 Td (this ) Tj ET Q q 0 0 0 rg BT 328.73 670.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 360.67 670.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 390.38 670.25 Td (on ) Tj ET Q q 0 0 0 rg BT 402.88 670.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 427.05 670.25 Td (10-K.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 652.25 Td (\(2\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 652.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 125.71 652.25 Td (Statement ) Tj ET Q q 0 0 0 rg BT 168.20 652.25 Td (Schedules:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 634.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 126.16 634.25 Td (statement ) Tj ET Q q 0 0 0 rg BT 167.42 634.25 Td (schedules ) Tj ET Q q 0 0 0 rg BT 209.24 634.25 Td (are ) Tj ET Q q 0 0 0 rg BT 224.39 634.25 Td (omitted ) Tj ET Q q 0 0 0 rg BT 257.89 634.25 Td (because ) Tj ET Q q 0 0 0 rg BT 292.48 634.25 Td (they ) Tj ET Q q 0 0 0 rg BT 312.64 634.25 Td (are ) Tj ET Q q 0 0 0 rg BT 327.79 634.25 Td (not ) Tj ET Q q 0 0 0 rg BT 343.51 634.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 387.55 634.25 Td (or ) Tj ET Q q 0 0 0 rg BT 398.82 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 413.98 634.25 Td (required ) Tj ET Q q 0 0 0 rg BT 450.24 634.25 Td (information ) Tj ET Q q 0 0 0 rg BT 500.40 634.25 Td (is ) Tj ET Q q 0 0 0 rg BT 510.01 634.25 Td (shown ) Tj ET Q q 0 0 0 rg BT 539.07 634.25 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 634.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 622.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 139.04 622.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 176.52 622.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 221.23 622.25 Td (or ) Tj ET Q q 0 0 0 rg BT 232.06 622.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 255.67 622.25 Td (thereto.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 604.25 Td (\(3\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 604.25 Td (Exhibits:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 563.75 57.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 563.75 6.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 563.75 413.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 493.75 57.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 493.75 6.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 493.75 413.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 419.75 57.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 419.75 6.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 419.75 413.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 349.75 57.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 349.75 6.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 349.75 413.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 268.75 57.00 -45.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 268.75 6.00 -45.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 268.75 413.00 -45.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 178.75 57.00 -43.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 178.75 6.00 -43.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 178.75 413.00 -43.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 90.75 57.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 90.75 6.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 90.75 413.00 -35.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85.5 563.75 m 142.5 563.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 148.5 563.75 m 561.5 563.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 148.5 493.75 m 561.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 148.5 493.75 m 561.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 148.5 419.75 m 561.5 419.75 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 97.65 578.48 Td (Exhibit) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 95.80 568.48 Td (Number) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 301.15 568.43 Td (Description of Document) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.25 543.87 Td (3.1) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 552.9833984375 m 560.51171875 552.9833984375 l s q 0 0 1 rg BT 151.00 554.32 Td (Certificate ) Tj ET Q q 0 0 1 rg BT 195.71 554.32 Td (of ) Tj ET Q q 0 0 1 rg BT 206.56 554.32 Td (Incorporation ) Tj ET Q q 0 0 1 rg BT 263.50 554.32 Td (of ) Tj ET Q q 0 0 1 rg BT 274.34 554.32 Td (Conn's, ) Tj ET Q q 0 0 1 rg BT 306.72 554.32 Td (Inc. ) Tj ET Q q 0 0 1 rg BT 324.50 554.32 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 380.88 554.32 Td (herein ) Tj ET Q q 0 0 1 rg BT 408.38 554.32 Td (by ) Tj ET Q q 0 0 1 rg BT 420.89 554.32 Td (reference ) Tj ET Q q 0 0 1 rg BT 460.59 554.32 Td (to ) Tj ET Q q 0 0 1 rg BT 470.88 554.32 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 502.84 554.32 Td (3.1 ) Tj ET Q q 0 0 1 rg BT 517.86 554.32 Td (to ) Tj ET Q q 0 0 1 rg BT 528.15 554.32 Td (Conn's, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 542.9833984375 m 560.5068359375 542.9833984375 l s q 0 0 1 rg BT 151.00 544.32 Td (Inc. ) Tj ET Q q 0 0 1 rg BT 168.08 544.32 Td (registration ) Tj ET Q q 0 0 1 rg BT 215.42 544.32 Td (statement ) Tj ET Q q 0 0 1 rg BT 255.55 544.32 Td (on ) Tj ET Q q 0 0 1 rg BT 267.36 544.32 Td (Form ) Tj ET Q q 0 0 1 rg BT 290.83 544.32 Td (S-1 ) Tj ET Q q 0 0 1 rg BT 306.53 544.32 Td (\(File ) Tj ET Q q 0 0 1 rg BT 327.23 544.32 Td (No. ) Tj ET Q q 0 0 1 rg BT 343.75 544.32 Td (333-109046\) ) Tj ET Q q 0 0 1 rg BT 397.22 544.32 Td (as ) Tj ET Q q 0 0 1 rg BT 407.36 544.32 Td (filed ) Tj ET Q q 0 0 1 rg BT 427.49 544.32 Td (with ) Tj ET Q q 0 0 1 rg BT 447.07 544.32 Td (the ) Tj ET Q q 0 0 1 rg BT 461.10 544.32 Td (Securities ) Tj ET Q q 0 0 1 rg BT 502.34 544.32 Td (and ) Tj ET Q q 0 0 1 rg BT 518.58 544.32 Td (Exchange ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 532.9833984375 m 300.16015625 532.9833984375 l s q 0 0 1 rg BT 151.00 534.32 Td (Commission ) Tj ET Q q 0 0 1 rg BT 204.07 534.32 Td (on ) Tj ET Q q 0 0 1 rg BT 216.57 534.32 Td (September ) Tj ET Q q 0 0 1 rg BT 261.83 534.32 Td (23, ) Tj ET Q q 0 0 1 rg BT 276.83 534.32 Td (2003\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 508.87 Td (3.1.1) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 517.0833984375 m 560.5 517.0833984375 l s q 0 0 1 rg BT 151.00 518.42 Td (Certificate ) Tj ET Q q 0 0 1 rg BT 197.63 518.42 Td (of ) Tj ET Q q 0 0 1 rg BT 209.42 518.42 Td (Amendment ) Tj ET Q q 0 0 1 rg BT 263.29 518.42 Td (to ) Tj ET Q q 0 0 1 rg BT 275.51 518.42 Td (the ) Tj ET Q q 0 0 1 rg BT 292.16 518.42 Td (Certificate ) Tj ET Q q 0 0 1 rg BT 338.80 518.42 Td (of ) Tj ET Q q 0 0 1 rg BT 351.57 518.42 Td (Incorporation ) Tj ET Q q 0 0 1 rg BT 410.43 518.42 Td (of ) Tj ET Q q 0 0 1 rg BT 423.20 518.42 Td (Conn's, ) Tj ET Q q 0 0 1 rg BT 457.50 518.42 Td (Inc. ) Tj ET Q q 0 0 1 rg BT 477.20 518.42 Td (dated ) Tj ET Q q 0 0 1 rg BT 503.29 518.42 Td (June ) Tj ET Q q 0 0 1 rg BT 526.06 518.42 Td (3, ) Tj ET Q q 0 0 1 rg BT 538.00 518.42 Td (2004 ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 507.0833984375 m 560.5029296875 507.0833984375 l s q 0 0 1 rg BT 151.00 508.42 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 207.79 508.42 Td (herein ) Tj ET Q q 0 0 1 rg BT 235.70 508.42 Td (by ) Tj ET Q q 0 0 1 rg BT 248.63 508.42 Td (reference ) Tj ET Q q 0 0 1 rg BT 288.74 508.42 Td (to ) Tj ET Q q 0 0 1 rg BT 299.44 508.42 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 331.81 508.42 Td (3.1.1 ) Tj ET Q q 0 0 1 rg BT 354.74 508.42 Td (to ) Tj ET Q q 0 0 1 rg BT 365.44 508.42 Td (Form ) Tj ET Q q 0 0 1 rg BT 390.04 508.42 Td (10-Q ) Tj ET Q q 0 0 1 rg BT 413.51 508.42 Td (for ) Tj ET Q q 0 0 1 rg BT 428.10 508.42 Td (the ) Tj ET Q q 0 0 1 rg BT 443.24 508.42 Td (quarterly ) Tj ET Q q 0 0 1 rg BT 482.26 508.42 Td (period ) Tj ET Q q 0 0 1 rg BT 510.74 508.42 Td (ended ) Tj ET Q q 0 0 1 rg BT 536.89 508.42 Td (April ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 497.0833984375 m 558.01171875 497.0833984375 l s q 0 0 1 rg BT 151.00 498.42 Td (30, ) Tj ET Q q 0 0 1 rg BT 165.66 498.42 Td (2004 ) Tj ET Q q 0 0 1 rg BT 187.82 498.42 Td (\(File ) Tj ET Q q 0 0 1 rg BT 208.87 498.42 Td (No. ) Tj ET Q q 0 0 1 rg BT 225.75 498.42 Td (000-50421\) ) Tj ET Q q 0 0 1 rg BT 274.57 498.42 Td (as ) Tj ET Q q 0 0 1 rg BT 285.06 498.42 Td (filed ) Tj ET Q q 0 0 1 rg BT 305.55 498.42 Td (with ) Tj ET Q q 0 0 1 rg BT 325.49 498.42 Td (the ) Tj ET Q q 0 0 1 rg BT 339.86 498.42 Td (Securities ) Tj ET Q q 0 0 1 rg BT 381.46 498.42 Td (and ) Tj ET Q q 0 0 1 rg BT 398.06 498.42 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 439.64 498.42 Td (Commission ) Tj ET Q q 0 0 1 rg BT 492.37 498.42 Td (on ) Tj ET Q q 0 0 1 rg BT 504.53 498.42 Td (June ) Tj ET Q q 0 0 1 rg BT 525.02 498.42 Td (7, ) Tj ET Q q 0 0 1 rg BT 534.68 498.42 Td (2004\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 473.87 Td (3.1.2) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 482.0833984375 m 560.5009765625 482.0833984375 l s q 0 0 1 rg BT 151.00 483.42 Td (Certificate ) Tj ET Q q 0 0 1 rg BT 197.27 483.42 Td (of ) Tj ET Q q 0 0 1 rg BT 208.78 483.42 Td (Amendment ) Tj ET Q q 0 0 1 rg BT 262.29 483.42 Td (to ) Tj ET Q q 0 0 1 rg BT 274.14 483.42 Td (the ) Tj ET Q q 0 0 1 rg BT 290.43 483.42 Td (Certificate ) Tj ET Q q 0 0 1 rg BT 336.70 483.42 Td (of ) Tj ET Q q 0 0 1 rg BT 349.11 483.42 Td (Incorporation ) Tj ET Q q 0 0 1 rg BT 407.61 483.42 Td (of ) Tj ET Q q 0 0 1 rg BT 420.01 483.42 Td (Conn's, ) Tj ET Q q 0 0 1 rg BT 453.95 483.42 Td (Inc. ) Tj ET Q q 0 0 1 rg BT 473.29 483.42 Td (dated ) Tj ET Q q 0 0 1 rg BT 499.02 483.42 Td (May ) Tj ET Q q 0 0 1 rg BT 521.43 483.42 Td (30, ) Tj ET Q q 0 0 1 rg BT 538.00 483.42 Td (2012 ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 472.0833984375 m 560.5029296875 472.0833984375 l s q 0 0 1 rg BT 151.00 473.42 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 207.79 473.42 Td (herein ) Tj ET Q q 0 0 1 rg BT 235.70 473.42 Td (by ) Tj ET Q q 0 0 1 rg BT 248.63 473.42 Td (reference ) Tj ET Q q 0 0 1 rg BT 288.74 473.42 Td (to ) Tj ET Q q 0 0 1 rg BT 299.44 473.42 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 331.81 473.42 Td (3.1.2 ) Tj ET Q q 0 0 1 rg BT 354.74 473.42 Td (to ) Tj ET Q q 0 0 1 rg BT 365.44 473.42 Td (Form ) Tj ET Q q 0 0 1 rg BT 390.04 473.42 Td (10-Q ) Tj ET Q q 0 0 1 rg BT 413.51 473.42 Td (for ) Tj ET Q q 0 0 1 rg BT 428.10 473.42 Td (the ) Tj ET Q q 0 0 1 rg BT 443.24 473.42 Td (quarterly ) Tj ET Q q 0 0 1 rg BT 482.26 473.42 Td (period ) Tj ET Q q 0 0 1 rg BT 510.74 473.42 Td (ended ) Tj ET Q q 0 0 1 rg BT 536.89 473.42 Td (April ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 462.0833984375 m 558.01171875 462.0833984375 l s q 0 0 1 rg BT 151.00 463.42 Td (30, ) Tj ET Q q 0 0 1 rg BT 165.66 463.42 Td (2012 ) Tj ET Q q 0 0 1 rg BT 187.82 463.42 Td (\(File ) Tj ET Q q 0 0 1 rg BT 208.87 463.42 Td (No. ) Tj ET Q q 0 0 1 rg BT 225.75 463.42 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 274.57 463.42 Td (as ) Tj ET Q q 0 0 1 rg BT 285.06 463.42 Td (filed ) Tj ET Q q 0 0 1 rg BT 305.55 463.42 Td (with ) Tj ET Q q 0 0 1 rg BT 325.49 463.42 Td (the ) Tj ET Q q 0 0 1 rg BT 339.86 463.42 Td (Securities ) Tj ET Q q 0 0 1 rg BT 381.46 463.42 Td (and ) Tj ET Q q 0 0 1 rg BT 398.06 463.42 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 439.64 463.42 Td (Commission ) Tj ET Q q 0 0 1 rg BT 492.37 463.42 Td (on ) Tj ET Q q 0 0 1 rg BT 504.53 463.42 Td (June ) Tj ET Q q 0 0 1 rg BT 525.02 463.42 Td (5, ) Tj ET Q q 0 0 1 rg BT 534.68 463.42 Td (2012\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 436.87 Td (3.1.3) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 447.9833984375 m 560.50634765625 447.9833984375 l s q 0 0 1 rg BT 151.00 449.32 Td (Certificate ) Tj ET Q q 0 0 1 rg BT 196.01 449.32 Td (of ) Tj ET Q q 0 0 1 rg BT 207.15 449.32 Td (Correction ) Tj ET Q q 0 0 1 rg BT 252.72 449.32 Td (to ) Tj ET Q q 0 0 1 rg BT 263.31 449.32 Td (the ) Tj ET Q q 0 0 1 rg BT 278.33 449.32 Td (Certificate ) Tj ET Q q 0 0 1 rg BT 323.34 449.32 Td (of ) Tj ET Q q 0 0 1 rg BT 333.86 449.32 Td (Amendment ) Tj ET Q q 0 0 1 rg BT 386.10 449.32 Td (to ) Tj ET Q q 0 0 1 rg BT 396.69 449.32 Td (Conn's, ) Tj ET Q q 0 0 1 rg BT 429.36 449.32 Td (Inc. ) Tj ET Q q 0 0 1 rg BT 447.44 449.32 Td (Certificate ) Tj ET Q q 0 0 1 rg BT 492.44 449.32 Td (of ) Tj ET Q q 0 0 1 rg BT 503.58 449.32 Td (Incorporation ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 437.9833984375 m 560.5068359375 437.9833984375 l s q 0 0 1 rg BT 151.00 439.32 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 207.71 439.32 Td (herein ) Tj ET Q q 0 0 1 rg BT 235.54 439.32 Td (by ) Tj ET Q q 0 0 1 rg BT 248.39 439.32 Td (reference ) Tj ET Q q 0 0 1 rg BT 288.42 439.32 Td (to ) Tj ET Q q 0 0 1 rg BT 299.04 439.32 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 331.33 439.32 Td (3.1.3 ) Tj ET Q q 0 0 1 rg BT 354.18 439.32 Td (to ) Tj ET Q q 0 0 1 rg BT 364.80 439.32 Td (Form ) Tj ET Q q 0 0 1 rg BT 389.32 439.32 Td (10-K ) Tj ET Q q 0 0 1 rg BT 412.72 439.32 Td (for ) Tj ET Q q 0 0 1 rg BT 427.23 439.32 Td (the ) Tj ET Q q 0 0 1 rg BT 442.29 439.32 Td (annual ) Tj ET Q q 0 0 1 rg BT 471.79 439.32 Td (period ) Tj ET Q q 0 0 1 rg BT 500.18 439.32 Td (ended ) Tj ET Q q 0 0 1 rg BT 526.91 439.32 Td (January ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 427.9833984375 m 560.4970703125 427.9833984375 l s q 0 0 1 rg BT 151.00 429.32 Td (31, ) Tj ET Q q 0 0 1 rg BT 166.51 429.32 Td (2014 ) Tj ET Q q 0 0 1 rg BT 189.52 429.32 Td (\(File ) Tj ET Q q 0 0 1 rg BT 211.41 429.32 Td (No. ) Tj ET Q q 0 0 1 rg BT 229.14 429.32 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 278.81 429.32 Td (as ) Tj ET Q q 0 0 1 rg BT 290.15 429.32 Td (filed ) Tj ET Q q 0 0 1 rg BT 311.48 429.32 Td (with ) Tj ET Q q 0 0 1 rg BT 332.26 429.32 Td (the ) Tj ET Q q 0 0 1 rg BT 347.49 429.32 Td (Securities ) Tj ET Q q 0 0 1 rg BT 389.93 429.32 Td (and ) Tj ET Q q 0 0 1 rg BT 407.38 429.32 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 449.81 429.32 Td (Commission ) Tj ET Q q 0 0 1 rg BT 503.38 429.32 Td (on ) Tj ET Q q 0 0 1 rg BT 516.39 429.32 Td (March ) Tj ET Q q 0 0 1 rg BT 545.50 429.32 Td (27, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 418.0333984375 m 174.330078125 418.0333984375 l s q 0 0 1 rg BT 151.00 419.37 Td (2014\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 399.87 Td (3.1.4) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 408.0833984375 m 560.49755859375 408.0833984375 l s q 0 0 1 rg BT 151.00 409.42 Td (Certificate ) Tj ET Q q 0 0 1 rg BT 195.80 409.42 Td (of ) Tj ET Q q 0 0 1 rg BT 206.17 409.42 Td (Amendment ) Tj ET Q q 0 0 1 rg BT 258.21 409.42 Td (to ) Tj ET Q q 0 0 1 rg BT 268.59 409.42 Td (the ) Tj ET Q q 0 0 1 rg BT 283.42 409.42 Td (Certificate ) Tj ET Q q 0 0 1 rg BT 328.22 409.42 Td (of ) Tj ET Q q 0 0 1 rg BT 339.16 409.42 Td (Incorporation ) Tj ET Q q 0 0 1 rg BT 396.19 409.42 Td (of ) Tj ET Q q 0 0 1 rg BT 407.13 409.42 Td (Conn's, ) Tj ET Q q 0 0 1 rg BT 439.60 409.42 Td (Inc. ) Tj ET Q q 0 0 1 rg BT 457.48 409.42 Td (as ) Tj ET Q q 0 0 1 rg BT 468.41 409.42 Td (filed ) Tj ET Q q 0 0 1 rg BT 489.35 409.42 Td (on ) Tj ET Q q 0 0 1 rg BT 501.95 409.42 Td (May ) Tj ET Q q 0 0 1 rg BT 522.89 409.42 Td (29, ) Tj ET Q q 0 0 1 rg BT 538.00 409.42 Td (2014 ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 398.0833984375 m 560.5029296875 398.0833984375 l s q 0 0 1 rg BT 151.00 399.42 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 207.79 399.42 Td (herein ) Tj ET Q q 0 0 1 rg BT 235.70 399.42 Td (by ) Tj ET Q q 0 0 1 rg BT 248.63 399.42 Td (reference ) Tj ET Q q 0 0 1 rg BT 288.74 399.42 Td (to ) Tj ET Q q 0 0 1 rg BT 299.44 399.42 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 331.81 399.42 Td (3.1.4 ) Tj ET Q q 0 0 1 rg BT 354.74 399.42 Td (to ) Tj ET Q q 0 0 1 rg BT 365.44 399.42 Td (Form ) Tj ET Q q 0 0 1 rg BT 390.04 399.42 Td (10-Q ) Tj ET Q q 0 0 1 rg BT 413.51 399.42 Td (for ) Tj ET Q q 0 0 1 rg BT 428.10 399.42 Td (the ) Tj ET Q q 0 0 1 rg BT 443.24 399.42 Td (quarterly ) Tj ET Q q 0 0 1 rg BT 482.26 399.42 Td (period ) Tj ET Q q 0 0 1 rg BT 510.74 399.42 Td (ended ) Tj ET Q q 0 0 1 rg BT 536.89 399.42 Td (April ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 388.0833984375 m 558.01171875 388.0833984375 l s q 0 0 1 rg BT 151.00 389.42 Td (30, ) Tj ET Q q 0 0 1 rg BT 165.66 389.42 Td (2014 ) Tj ET Q q 0 0 1 rg BT 187.82 389.42 Td (\(File ) Tj ET Q q 0 0 1 rg BT 208.87 389.42 Td (No. ) Tj ET Q q 0 0 1 rg BT 225.75 389.42 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 274.57 389.42 Td (as ) Tj ET Q q 0 0 1 rg BT 285.06 389.42 Td (filed ) Tj ET Q q 0 0 1 rg BT 305.55 389.42 Td (with ) Tj ET Q q 0 0 1 rg BT 325.49 389.42 Td (the ) Tj ET Q q 0 0 1 rg BT 339.86 389.42 Td (Securities ) Tj ET Q q 0 0 1 rg BT 381.46 389.42 Td (and ) Tj ET Q q 0 0 1 rg BT 398.06 389.42 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 439.64 389.42 Td (Commission ) Tj ET Q q 0 0 1 rg BT 492.37 389.42 Td (on ) Tj ET Q q 0 0 1 rg BT 504.53 389.42 Td (June ) Tj ET Q q 0 0 1 rg BT 525.02 389.42 Td (2, ) Tj ET Q q 0 0 1 rg BT 534.68 389.42 Td (2014\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.25 364.87 Td (3.2) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 373.0833984375 m 560.5068359375 373.0833984375 l s q 0 0 1 rg BT 151.00 374.42 Td (Amended ) Tj ET Q q 0 0 1 rg BT 192.51 374.42 Td (and ) Tj ET Q q 0 0 1 rg BT 209.59 374.42 Td (Restated ) Tj ET Q q 0 0 1 rg BT 246.66 374.42 Td (Bylaws ) Tj ET Q q 0 0 1 rg BT 279.30 374.42 Td (of ) Tj ET Q q 0 0 1 rg BT 290.26 374.42 Td (Conn's, ) Tj ET Q q 0 0 1 rg BT 322.76 374.42 Td (Inc. ) Tj ET Q q 0 0 1 rg BT 340.67 374.42 Td (ef) Tj ET Q q 0 0 1 rg BT 348.26 374.42 Td (fective ) Tj ET Q q 0 0 1 rg BT 378.09 374.42 Td (as ) Tj ET Q q 0 0 1 rg BT 389.06 374.42 Td (of ) Tj ET Q q 0 0 1 rg BT 400.03 374.42 Td (December ) Tj ET Q q 0 0 1 rg BT 443.75 374.42 Td (3, ) Tj ET Q q 0 0 1 rg BT 453.89 374.42 Td (2013 ) Tj ET Q q 0 0 1 rg BT 476.52 374.42 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 533.02 374.42 Td (herein ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 363.0833984375 m 560.51708984375 363.0833984375 l s q 0 0 1 rg BT 151.00 364.42 Td (by ) Tj ET Q q 0 0 1 rg BT 164.08 364.42 Td (reference ) Tj ET Q q 0 0 1 rg BT 204.35 364.42 Td (to ) Tj ET Q q 0 0 1 rg BT 215.21 364.42 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 247.73 364.42 Td (3.2 ) Tj ET Q q 0 0 1 rg BT 263.32 364.42 Td (to ) Tj ET Q q 0 0 1 rg BT 274.18 364.42 Td (Form ) Tj ET Q q 0 0 1 rg BT 298.93 364.42 Td (10-Q ) Tj ET Q q 0 0 1 rg BT 322.56 364.42 Td (for ) Tj ET Q q 0 0 1 rg BT 337.31 364.42 Td (the ) Tj ET Q q 0 0 1 rg BT 352.61 364.42 Td (quarterly ) Tj ET Q q 0 0 1 rg BT 391.78 364.42 Td (period ) Tj ET Q q 0 0 1 rg BT 420.41 364.42 Td (ended ) Tj ET Q q 0 0 1 rg BT 447.37 364.42 Td (October ) Tj ET Q q 0 0 1 rg BT 482.66 364.42 Td (31, ) Tj ET Q q 0 0 1 rg BT 498.24 364.42 Td (2013 ) Tj ET Q q 0 0 1 rg BT 521.33 364.42 Td (\(File ) Tj ET Q q 0 0 1 rg BT 543.30 364.42 Td (No. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 353.0833984375 m 510.0869140625 353.0833984375 l s q 0 0 1 rg BT 151.00 354.42 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 200.16 354.42 Td (as ) Tj ET Q q 0 0 1 rg BT 210.99 354.42 Td (filed ) Tj ET Q q 0 0 1 rg BT 231.82 354.42 Td (with ) Tj ET Q q 0 0 1 rg BT 252.09 354.42 Td (the ) Tj ET Q q 0 0 1 rg BT 266.81 354.42 Td (Securities ) Tj ET Q q 0 0 1 rg BT 308.74 354.42 Td (and ) Tj ET Q q 0 0 1 rg BT 325.68 354.42 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 367.61 354.42 Td (Commission ) Tj ET Q q 0 0 1 rg BT 420.67 354.42 Td (on ) Tj ET Q q 0 0 1 rg BT 433.17 354.42 Td (December ) Tj ET Q q 0 0 1 rg BT 476.76 354.42 Td (6, ) Tj ET Q q 0 0 1 rg BT 486.76 354.42 Td (2013\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.25 329.87 Td (4.1) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 338.0833984375 m 560.51171875 338.0833984375 l s q 0 0 1 rg BT 151.00 339.42 Td (Specimen ) Tj ET Q q 0 0 1 rg BT 192.83 339.42 Td (of ) Tj ET Q q 0 0 1 rg BT 203.56 339.42 Td (certificate ) Tj ET Q q 0 0 1 rg BT 245.92 339.42 Td (for ) Tj ET Q q 0 0 1 rg BT 259.98 339.42 Td (shares ) Tj ET Q q 0 0 1 rg BT 287.37 339.42 Td (of ) Tj ET Q q 0 0 1 rg BT 298.09 339.42 Td (Conn's, ) Tj ET Q q 0 0 1 rg BT 330.36 339.42 Td (Inc.'s ) Tj ET Q q 0 0 1 rg BT 353.71 339.42 Td (common ) Tj ET Q q 0 0 1 rg BT 391.11 339.42 Td (stock ) Tj ET Q q 0 0 1 rg BT 414.61 339.42 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 470.87 339.42 Td (herein ) Tj ET Q q 0 0 1 rg BT 498.26 339.42 Td (by ) Tj ET Q q 0 0 1 rg BT 510.65 339.42 Td (reference ) Tj ET Q q 0 0 1 rg BT 550.23 339.42 Td (to ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 328.0833984375 m 560.5068359375 328.0833984375 l s q 0 0 1 rg BT 151.00 329.42 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 182.45 329.42 Td (4.1 ) Tj ET Q q 0 0 1 rg BT 196.95 329.42 Td (to ) Tj ET Q q 0 0 1 rg BT 206.73 329.42 Td (registration ) Tj ET Q q 0 0 1 rg BT 254.28 329.42 Td (statement ) Tj ET Q q 0 0 1 rg BT 294.61 329.42 Td (on ) Tj ET Q q 0 0 1 rg BT 306.61 329.42 Td (Form ) Tj ET Q q 0 0 1 rg BT 330.28 329.42 Td (S-1 ) Tj ET Q q 0 0 1 rg BT 346.18 329.42 Td (\(File ) Tj ET Q q 0 0 1 rg BT 367.07 329.42 Td (No. ) Tj ET Q q 0 0 1 rg BT 383.80 329.42 Td (333-109046\) ) Tj ET Q q 0 0 1 rg BT 437.46 329.42 Td (as ) Tj ET Q q 0 0 1 rg BT 447.80 329.42 Td (filed ) Tj ET Q q 0 0 1 rg BT 468.13 329.42 Td (with ) Tj ET Q q 0 0 1 rg BT 487.91 329.42 Td (the ) Tj ET Q q 0 0 1 rg BT 502.13 329.42 Td (Securities ) Tj ET Q q 0 0 1 rg BT 543.57 329.42 Td (and ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 318.0833984375 m 331.52734375 318.0833984375 l s q 0 0 1 rg BT 151.00 319.42 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 192.92 319.42 Td (Commission ) Tj ET Q q 0 0 1 rg BT 245.99 319.42 Td (on ) Tj ET Q q 0 0 1 rg BT 258.49 319.42 Td (October ) Tj ET Q q 0 0 1 rg BT 293.20 319.42 Td (29, ) Tj ET Q q 0 0 1 rg BT 308.20 319.42 Td (2003\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.25 289.37 Td (4.2) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 302.0833984375 m 560.5068359375 302.0833984375 l s q 0 0 1 rg BT 151.00 303.42 Td (Indenture, ) Tj ET Q q 0 0 1 rg BT 194.10 303.42 Td (dated ) Tj ET Q q 0 0 1 rg BT 218.03 303.42 Td (as ) Tj ET Q q 0 0 1 rg BT 228.64 303.42 Td (of ) Tj ET Q q 0 0 1 rg BT 239.25 303.42 Td (July ) Tj ET Q q 0 0 1 rg BT 258.20 303.42 Td (1, ) Tj ET Q q 0 0 1 rg BT 267.98 303.42 Td (2014, ) Tj ET Q q 0 0 1 rg BT 292.76 303.42 Td (by ) Tj ET Q q 0 0 1 rg BT 305.04 303.42 Td (and ) Tj ET Q q 0 0 1 rg BT 321.76 303.42 Td (among ) Tj ET Q q 0 0 1 rg BT 351.26 303.42 Td (Conn's, ) Tj ET Q q 0 0 1 rg BT 383.40 303.42 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 403.45 303.42 Td (as ) Tj ET Q q 0 0 1 rg BT 414.06 303.42 Td (issuer) Tj ET Q q 0 0 1 rg BT 436.99 303.42 Td (, ) Tj ET Q q 0 0 1 rg BT 441.77 303.42 Td (the ) Tj ET Q q 0 0 1 rg BT 456.27 303.42 Td (several ) Tj ET Q q 0 0 1 rg BT 486.86 303.42 Td (guarantors ) Tj ET Q q 0 0 1 rg BT 531.35 303.42 Td (named ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 292.0833984375 m 560.49853515625 292.0833984375 l s q 0 0 1 rg BT 151.00 293.42 Td (therein ) Tj ET Q q 0 0 1 rg BT 181.01 293.42 Td (and ) Tj ET Q q 0 0 1 rg BT 197.70 293.42 Td (U.S. ) Tj ET Q q 0 0 1 rg BT 217.74 293.42 Td (Bank ) Tj ET Q q 0 0 1 rg BT 241.10 293.42 Td (National ) Tj ET Q q 0 0 1 rg BT 277.29 293.42 Td (Association, ) Tj ET Q q 0 0 1 rg BT 329.25 293.42 Td (as ) Tj ET Q q 0 0 1 rg BT 339.83 293.42 Td (trustee ) Tj ET Q q 0 0 1 rg BT 368.74 293.42 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 424.85 293.42 Td (herein ) Tj ET Q q 0 0 1 rg BT 452.09 293.42 Td (by ) Tj ET Q q 0 0 1 rg BT 464.34 293.42 Td (reference ) Tj ET Q q 0 0 1 rg BT 503.77 293.42 Td (to ) Tj ET Q q 0 0 1 rg BT 513.80 293.42 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 545.50 293.42 Td (4.1 ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 282.0833984375 m 560.505859375 282.0833984375 l s q 0 0 1 rg BT 151.00 283.42 Td (to ) Tj ET Q q 0 0 1 rg BT 161.72 283.42 Td (Form ) Tj ET Q q 0 0 1 rg BT 186.33 283.42 Td (8-K ) Tj ET Q q 0 0 1 rg BT 204.82 283.42 Td (\(File ) Tj ET Q q 0 0 1 rg BT 226.65 283.42 Td (No. ) Tj ET Q q 0 0 1 rg BT 244.31 283.42 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 293.91 283.42 Td (as ) Tj ET Q q 0 0 1 rg BT 305.19 283.42 Td (filed ) Tj ET Q q 0 0 1 rg BT 326.45 283.42 Td (with ) Tj ET Q q 0 0 1 rg BT 347.17 283.42 Td (the ) Tj ET Q q 0 0 1 rg BT 362.33 283.42 Td (Securities ) Tj ET Q q 0 0 1 rg BT 404.70 283.42 Td (and ) Tj ET Q q 0 0 1 rg BT 422.08 283.42 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 464.45 283.42 Td (Commission ) Tj ET Q q 0 0 1 rg BT 517.95 283.42 Td (on ) Tj ET Q q 0 0 1 rg BT 530.90 283.42 Td (July ) Tj ET Q q 0 0 1 rg BT 550.51 283.42 Td (2, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 272.0833984375 m 174.330078125 272.0833984375 l s q 0 0 1 rg BT 151.00 273.42 Td (2014\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 243.87 Td (4.2.1) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 257.0833984375 m 560.5078125 257.0833984375 l s q 0 0 1 rg BT 151.00 258.42 Td (First ) Tj ET Q q 0 0 1 rg BT 172.78 258.42 Td (Supplemental ) Tj ET Q q 0 0 1 rg BT 231.21 258.42 Td (Indenture, ) Tj ET Q q 0 0 1 rg BT 275.47 258.42 Td (dated ) Tj ET Q q 0 0 1 rg BT 300.57 258.42 Td (September ) Tj ET Q q 0 0 1 rg BT 346.77 258.42 Td (10, ) Tj ET Q q 0 0 1 rg BT 362.71 258.42 Td (2015, ) Tj ET Q q 0 0 1 rg BT 388.65 258.42 Td (by ) Tj ET Q q 0 0 1 rg BT 402.10 258.42 Td (and ) Tj ET Q q 0 0 1 rg BT 419.98 258.42 Td (among ) Tj ET Q q 0 0 1 rg BT 450.63 258.42 Td (Conn's, ) Tj ET Q q 0 0 1 rg BT 483.94 258.42 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 505.15 258.42 Td (as ) Tj ET Q q 0 0 1 rg BT 516.92 258.42 Td (issuer) Tj ET Q q 0 0 1 rg BT 539.85 258.42 Td (, ) Tj ET Q q 0 0 1 rg BT 545.79 258.42 Td (the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 247.08339843750002 m 560.5029296875 247.08339843750002 l s q 0 0 1 rg BT 151.00 248.42 Td (guarantors ) Tj ET Q q 0 0 1 rg BT 194.61 248.42 Td (party ) Tj ET Q q 0 0 1 rg BT 216.57 248.42 Td (thereto ) Tj ET Q q 0 0 1 rg BT 245.74 248.42 Td (and ) Tj ET Q q 0 0 1 rg BT 261.59 248.42 Td (U.S. ) Tj ET Q q 0 0 1 rg BT 280.78 248.42 Td (Bank ) Tj ET Q q 0 0 1 rg BT 303.29 248.42 Td (National ) Tj ET Q q 0 0 1 rg BT 338.82 248.42 Td (Association, ) Tj ET Q q 0 0 1 rg BT 389.95 248.42 Td (as ) Tj ET Q q 0 0 1 rg BT 399.69 248.42 Td (trustee ) Tj ET Q q 0 0 1 rg BT 427.75 248.42 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 483.02 248.42 Td (herein ) Tj ET Q q 0 0 1 rg BT 509.41 248.42 Td (by ) Tj ET Q q 0 0 1 rg BT 520.82 248.42 Td (reference ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 237.08339843750002 m 560.5 237.08339843750002 l s q 0 0 1 rg BT 151.00 238.42 Td (to ) Tj ET Q q 0 0 1 rg BT 161.11 238.42 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 192.88 238.42 Td (10.9 ) Tj ET Q q 0 0 1 rg BT 212.71 238.42 Td (to ) Tj ET Q q 0 0 1 rg BT 222.81 238.42 Td (Form ) Tj ET Q q 0 0 1 rg BT 246.81 238.42 Td (10-Q ) Tj ET Q q 0 0 1 rg BT 269.69 238.42 Td (for ) Tj ET Q q 0 0 1 rg BT 283.68 238.42 Td (the ) Tj ET Q q 0 0 1 rg BT 298.22 238.42 Td (quarterly ) Tj ET Q q 0 0 1 rg BT 336.65 238.42 Td (period ) Tj ET Q q 0 0 1 rg BT 364.52 238.42 Td (ended ) Tj ET Q q 0 0 1 rg BT 390.73 238.42 Td (October ) Tj ET Q q 0 0 1 rg BT 425.26 238.42 Td (31, ) Tj ET Q q 0 0 1 rg BT 440.09 238.42 Td (2015 ) Tj ET Q q 0 0 1 rg BT 462.42 238.42 Td (\(File ) Tj ET Q q 0 0 1 rg BT 483.63 238.42 Td (No. ) Tj ET Q q 0 0 1 rg BT 500.68 238.42 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 549.67 238.42 Td (as ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 227.08339843750002 m 450.0966796875 227.08339843750002 l s q 0 0 1 rg BT 151.00 228.42 Td (filed ) Tj ET Q q 0 0 1 rg BT 171.83 228.42 Td (with ) Tj ET Q q 0 0 1 rg BT 192.10 228.42 Td (the ) Tj ET Q q 0 0 1 rg BT 206.82 228.42 Td (Securities ) Tj ET Q q 0 0 1 rg BT 248.75 228.42 Td (and ) Tj ET Q q 0 0 1 rg BT 265.69 228.42 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 307.62 228.42 Td (Commission ) Tj ET Q q 0 0 1 rg BT 360.68 228.42 Td (on ) Tj ET Q q 0 0 1 rg BT 373.18 228.42 Td (December ) Tj ET Q q 0 0 1 rg BT 416.77 228.42 Td (8, ) Tj ET Q q 0 0 1 rg BT 426.77 228.42 Td (2015\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 198.87 Td (4.2.2) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 212.08339843750002 m 560.4970703125 212.08339843750002 l s q 0 0 1 rg BT 151.00 213.42 Td (Second ) Tj ET Q q 0 0 1 rg BT 183.95 213.42 Td (Supplemental ) Tj ET Q q 0 0 1 rg BT 242.45 213.42 Td (Indenture, ) Tj ET Q q 0 0 1 rg BT 286.78 213.42 Td (dated ) Tj ET Q q 0 0 1 rg BT 311.94 213.42 Td (October ) Tj ET Q q 0 0 1 rg BT 347.66 213.42 Td (30, ) Tj ET Q q 0 0 1 rg BT 363.67 213.42 Td (2015, ) Tj ET Q q 0 0 1 rg BT 389.68 213.42 Td (by ) Tj ET Q q 0 0 1 rg BT 403.19 213.42 Td (and ) Tj ET Q q 0 0 1 rg BT 421.14 213.42 Td (among ) Tj ET Q q 0 0 1 rg BT 451.87 213.42 Td (Conn) Tj ET Q q 0 0 1 rg BT 476.32 213.42 Td (s ) Tj ET Q q 0 0 1 rg BT 483.72 213.42 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 505.00 213.42 Td (as ) Tj ET Q q 0 0 1 rg BT 516.84 213.42 Td (issuer) Tj ET Q q 0 0 1 rg BT 539.77 213.42 Td (, ) Tj ET Q q 0 0 1 rg BT 545.78 213.42 Td (the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 202.08339843750002 m 560.5029296875 202.08339843750002 l s q 0 0 1 rg BT 151.00 203.42 Td (guarantors ) Tj ET Q q 0 0 1 rg BT 194.61 203.42 Td (party ) Tj ET Q q 0 0 1 rg BT 216.57 203.42 Td (thereto ) Tj ET Q q 0 0 1 rg BT 245.74 203.42 Td (and ) Tj ET Q q 0 0 1 rg BT 261.59 203.42 Td (U.S. ) Tj ET Q q 0 0 1 rg BT 280.78 203.42 Td (Bank ) Tj ET Q q 0 0 1 rg BT 303.29 203.42 Td (National ) Tj ET Q q 0 0 1 rg BT 338.82 203.42 Td (Association, ) Tj ET Q q 0 0 1 rg BT 389.95 203.42 Td (as ) Tj ET Q q 0 0 1 rg BT 399.69 203.42 Td (trustee ) Tj ET Q q 0 0 1 rg BT 427.75 203.42 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 483.02 203.42 Td (herein ) Tj ET Q q 0 0 1 rg BT 509.41 203.42 Td (by ) Tj ET Q q 0 0 1 rg BT 520.82 203.42 Td (reference ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 192.08339843750002 m 560.5107421875 192.08339843750002 l s q 0 0 1 rg BT 151.00 193.42 Td (to ) Tj ET Q q 0 0 1 rg BT 160.44 193.42 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 191.54 193.42 Td (10.3 ) Tj ET Q q 0 0 1 rg BT 210.69 193.42 Td (to ) Tj ET Q q 0 0 1 rg BT 220.13 193.42 Td (Form ) Tj ET Q q 0 0 1 rg BT 243.45 193.42 Td (8-K ) Tj ET Q q 0 0 1 rg BT 260.66 193.42 Td (\(File ) Tj ET Q q 0 0 1 rg BT 281.21 193.42 Td (No. ) Tj ET Q q 0 0 1 rg BT 297.58 193.42 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 345.90 193.42 Td (as ) Tj ET Q q 0 0 1 rg BT 355.89 193.42 Td (filed ) Tj ET Q q 0 0 1 rg BT 375.87 193.42 Td (with ) Tj ET Q q 0 0 1 rg BT 395.30 193.42 Td (the ) Tj ET Q q 0 0 1 rg BT 409.18 193.42 Td (Securities ) Tj ET Q q 0 0 1 rg BT 450.27 193.42 Td (and ) Tj ET Q q 0 0 1 rg BT 466.36 193.42 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 507.44 193.42 Td (Commission ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 182.08339843750002 m 241.537109375 182.08339843750002 l s q 0 0 1 rg BT 151.00 183.42 Td (on ) Tj ET Q q 0 0 1 rg BT 163.50 183.42 Td (November ) Tj ET Q q 0 0 1 rg BT 208.21 183.42 Td (2, ) Tj ET Q q 0 0 1 rg BT 218.21 183.42 Td (2015\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 154.87 Td (4.2.3) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 159.08339843750002 m 560.51025390625 159.08339843750002 l s q 0 0 1 rg BT 151.00 160.42 Td (Form ) Tj ET Q q 0 0 1 rg BT 175.39 160.42 Td (of ) Tj ET Q q 0 0 1 rg BT 186.43 160.42 Td (7.250% ) Tj ET Q q 0 0 1 rg BT 219.98 160.42 Td (Senior ) Tj ET Q q 0 0 1 rg BT 248.81 160.42 Td (Notes ) Tj ET Q q 0 0 1 rg BT 274.85 160.42 Td (due ) Tj ET Q q 0 0 1 rg BT 292.01 160.42 Td (2022 ) Tj ET Q q 0 0 1 rg BT 314.73 160.42 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 371.31 160.42 Td (herein ) Tj ET Q q 0 0 1 rg BT 399.01 160.42 Td (by ) Tj ET Q q 0 0 1 rg BT 411.73 160.42 Td (reference ) Tj ET Q q 0 0 1 rg BT 451.63 160.42 Td (to ) Tj ET Q q 0 0 1 rg BT 462.12 160.42 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 493.68 160.42 Td (A) Tj ET Q q 0 0 1 rg BT 500.35 160.42 Td ( ) Tj ET Q q 0 0 1 rg BT 503.07 160.42 Td (to ) Tj ET Q q 0 0 1 rg BT 513.57 160.42 Td (Exhibit4.1 ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 149.08339843750002 m 560.505859375 149.08339843750002 l s q 0 0 1 rg BT 151.00 150.42 Td (to ) Tj ET Q q 0 0 1 rg BT 161.72 150.42 Td (Form ) Tj ET Q q 0 0 1 rg BT 186.33 150.42 Td (8-K ) Tj ET Q q 0 0 1 rg BT 204.82 150.42 Td (\(File ) Tj ET Q q 0 0 1 rg BT 226.65 150.42 Td (No. ) Tj ET Q q 0 0 1 rg BT 244.31 150.42 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 293.91 150.42 Td (as ) Tj ET Q q 0 0 1 rg BT 305.19 150.42 Td (filed ) Tj ET Q q 0 0 1 rg BT 326.45 150.42 Td (with ) Tj ET Q q 0 0 1 rg BT 347.17 150.42 Td (the ) Tj ET Q q 0 0 1 rg BT 362.33 150.42 Td (Securities ) Tj ET Q q 0 0 1 rg BT 404.70 150.42 Td (and ) Tj ET Q q 0 0 1 rg BT 422.08 150.42 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 464.45 150.42 Td (Commission ) Tj ET Q q 0 0 1 rg BT 517.95 150.42 Td (on ) Tj ET Q q 0 0 1 rg BT 530.90 150.42 Td (July ) Tj ET Q q 0 0 1 rg BT 550.51 150.42 Td (2, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 139.08339843750002 m 174.330078125 139.08339843750002 l s q 0 0 1 rg BT 151.00 140.42 Td (2014\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 110.87 Td (4.2.4) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 124.08339843750002 m 560.50048828125 124.08339843750002 l s q 0 0 1 rg BT 151.00 125.42 Td (Registration ) Tj ET Q q 0 0 1 rg BT 203.96 125.42 Td (Rights ) Tj ET Q q 0 0 1 rg BT 233.26 125.42 Td (Agreement, ) Tj ET Q q 0 0 1 rg BT 284.26 125.42 Td (dated ) Tj ET Q q 0 0 1 rg BT 309.99 125.42 Td (as ) Tj ET Q q 0 0 1 rg BT 322.40 125.42 Td (of ) Tj ET Q q 0 0 1 rg BT 334.81 125.42 Td (July ) Tj ET Q q 0 0 1 rg BT 355.56 125.42 Td (1, ) Tj ET Q q 0 0 1 rg BT 367.13 125.42 Td (2014, ) Tj ET Q q 0 0 1 rg BT 393.71 125.42 Td (by ) Tj ET Q q 0 0 1 rg BT 407.79 125.42 Td (and ) Tj ET Q q 0 0 1 rg BT 426.31 125.42 Td (among ) Tj ET Q q 0 0 1 rg BT 457.60 125.42 Td (Conn's, ) Tj ET Q q 0 0 1 rg BT 491.54 125.42 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 513.39 125.42 Td (the ) Tj ET Q q 0 0 1 rg BT 529.69 125.42 Td (several ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 114.08339843750002 m 560.509765625 114.08339843750002 l s q 0 0 1 rg BT 151.00 115.42 Td (guarantors ) Tj ET Q q 0 0 1 rg BT 196.14 115.42 Td (named ) Tj ET Q q 0 0 1 rg BT 225.73 115.42 Td (therein ) Tj ET Q q 0 0 1 rg BT 256.43 115.42 Td (and ) Tj ET Q q 0 0 1 rg BT 273.80 115.42 Td (Merrill ) Tj ET Q q 0 0 1 rg BT 305.06 115.42 Td (L) Tj ET Q q 0 0 1 rg BT 310.61 115.42 Td (ynch, ) Tj ET Q q 0 0 1 rg BT 335.49 115.42 Td (Pierce, ) Tj ET Q q 0 0 1 rg BT 365.91 115.42 Td (Fenner ) Tj ET Q q 0 0 1 rg BT 396.61 115.42 Td (& ) Tj ET Q q 0 0 1 rg BT 407.32 115.42 Td (Smith, ) Tj ET Q q 0 0 1 rg BT 436.65 115.42 Td (Incorporated ) Tj ET Q q 0 0 1 rg BT 490.67 115.42 Td (as ) Tj ET Q q 0 0 1 rg BT 501.93 115.42 Td (representative ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 104.08339843750002 m 560.4970703125 104.08339843750002 l s q 0 0 1 rg BT 151.00 105.42 Td (of ) Tj ET Q q 0 0 1 rg BT 162.34 105.42 Td (the ) Tj ET Q q 0 0 1 rg BT 177.57 105.42 Td (initial ) Tj ET Q q 0 0 1 rg BT 203.92 105.42 Td (purchasers ) Tj ET Q q 0 0 1 rg BT 249.69 105.42 Td (named ) Tj ET Q q 0 0 1 rg BT 279.35 105.42 Td (therein ) Tj ET Q q 0 0 1 rg BT 310.13 105.42 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 367.01 105.42 Td (herein ) Tj ET Q q 0 0 1 rg BT 395.00 105.42 Td (by ) Tj ET Q q 0 0 1 rg BT 408.02 105.42 Td (reference ) Tj ET Q q 0 0 1 rg BT 448.21 105.42 Td (to ) Tj ET Q q 0 0 1 rg BT 459.00 105.42 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 491.46 105.42 Td (4.3 ) Tj ET Q q 0 0 1 rg BT 506.97 105.42 Td (to ) Tj ET Q q 0 0 1 rg BT 517.76 105.42 Td (Form ) Tj ET Q q 0 0 1 rg BT 542.45 105.42 Td (8-K ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 94.08339843750002 m 526.78125 94.08339843750002 l s q 0 0 1 rg BT 151.00 95.42 Td (\(File ) Tj ET Q q 0 0 1 rg BT 172.39 95.42 Td (No. ) Tj ET Q q 0 0 1 rg BT 189.61 95.42 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 238.77 95.42 Td (as ) Tj ET Q q 0 0 1 rg BT 249.60 95.42 Td (filed ) Tj ET Q q 0 0 1 rg BT 270.42 95.42 Td (with ) Tj ET Q q 0 0 1 rg BT 290.70 95.42 Td (the ) Tj ET Q q 0 0 1 rg BT 305.42 95.42 Td (Securities ) Tj ET Q q 0 0 1 rg BT 347.35 95.42 Td (and ) Tj ET Q q 0 0 1 rg BT 364.29 95.42 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 406.21 95.42 Td (Commission ) Tj ET Q q 0 0 1 rg BT 459.28 95.42 Td (on ) Tj ET Q q 0 0 1 rg BT 471.78 95.42 Td (July ) Tj ET Q q 0 0 1 rg BT 490.95 95.42 Td (2, ) Tj ET Q q 0 0 1 rg BT 500.95 95.42 Td (2014\) ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.25 70.87 Td (4.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.00 60.42 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 79.08339843750002 m 560.5068359375 79.08339843750002 l s q 0 0 1 rg BT 151.00 80.42 Td (Base ) Tj ET Q q 0 0 1 rg BT 172.25 80.42 Td (Indenture, ) Tj ET Q q 0 0 1 rg BT 214.87 80.42 Td (dated ) Tj ET Q q 0 0 1 rg BT 238.33 80.42 Td (as ) Tj ET Q q 0 0 1 rg BT 248.47 80.42 Td (of ) Tj ET Q q 0 0 1 rg BT 258.60 80.42 Td (October ) Tj ET Q q 0 0 1 rg BT 292.62 80.42 Td (6, ) Tj ET Q q 0 0 1 rg BT 301.92 80.42 Td (2016, ) Tj ET Q q 0 0 1 rg BT 326.23 80.42 Td (by ) Tj ET Q q 0 0 1 rg BT 338.04 80.42 Td (and ) Tj ET Q q 0 0 1 rg BT 354.28 80.42 Td (between ) Tj ET Q q 0 0 1 rg BT 389.40 80.42 Td (Conn) Tj ET Q q 0 0 1 rg BT 413.85 80.42 Td (s ) Tj ET Q q 0 0 1 rg BT 419.55 80.42 Td (Receivables ) Tj ET Q q 0 0 1 rg BT 469.67 80.42 Td (Funding ) Tj ET Q q 0 0 1 rg BT 504.81 80.42 Td (2016-B, ) Tj ET Q q 0 0 1 rg BT 539.12 80.42 Td (LLC ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 69.08339843750002 m 560.5 69.08339843750002 l s q 0 0 1 rg BT 151.00 70.42 Td (and ) Tj ET Q q 0 0 1 rg BT 167.90 70.42 Td (W) Tj ET Q q 0 0 1 rg BT 176.54 70.42 Td (ells ) Tj ET Q q 0 0 1 rg BT 193.09 70.42 Td (Far) Tj ET Q q 0 0 1 rg BT 206.24 70.42 Td (go ) Tj ET Q q 0 0 1 rg BT 218.89 70.42 Td (Bank, ) Tj ET Q q 0 0 1 rg BT 245.16 70.42 Td (National ) Tj ET Q q 0 0 1 rg BT 281.66 70.42 Td (Association ) Tj ET Q q 0 0 1 rg BT 331.54 70.42 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 388.06 70.42 Td (herein ) Tj ET Q q 0 0 1 rg BT 415.70 70.42 Td (by ) Tj ET Q q 0 0 1 rg BT 428.36 70.42 Td (reference ) Tj ET Q q 0 0 1 rg BT 468.20 70.42 Td (to ) Tj ET Q q 0 0 1 rg BT 478.64 70.42 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 510.74 70.42 Td (4.1 ) Tj ET Q q 0 0 1 rg BT 525.89 70.42 Td (to ) Tj ET Q q 0 0 1 rg BT 536.33 70.42 Td (Form ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 59.08339843750002 m 557.8701171875 59.08339843750002 l s q 0 0 1 rg BT 151.00 60.42 Td (8-K ) Tj ET Q q 0 0 1 rg BT 169.05 60.42 Td (\(File ) Tj ET Q q 0 0 1 rg BT 190.44 60.42 Td (No. ) Tj ET Q q 0 0 1 rg BT 207.66 60.42 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 256.82 60.42 Td (as ) Tj ET Q q 0 0 1 rg BT 267.65 60.42 Td (filed ) Tj ET Q q 0 0 1 rg BT 288.48 60.42 Td (with ) Tj ET Q q 0 0 1 rg BT 308.75 60.42 Td (the ) Tj ET Q q 0 0 1 rg BT 323.47 60.42 Td (Securities ) Tj ET Q q 0 0 1 rg BT 365.40 60.42 Td (and ) Tj ET Q q 0 0 1 rg BT 382.34 60.42 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 424.27 60.42 Td (Commission ) Tj ET Q q 0 0 1 rg BT 477.33 60.42 Td (on ) Tj ET Q q 0 0 1 rg BT 489.83 60.42 Td (October ) Tj ET Q q 0 0 1 rg BT 524.54 60.42 Td (7, ) Tj ET Q q 0 0 1 rg BT 534.54 60.42 Td (2016\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL endstream endobj 203 0 obj <>] /Rotate 0 /Contents 204 0 R>> endobj 204 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (100) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 703.50 57.00 -44.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 703.50 6.00 -44.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 703.50 413.00 -44.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 604.50 57.00 -75.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 604.50 6.00 -75.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 604.50 413.00 -75.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 486.50 57.00 -48.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 486.50 6.00 -48.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 486.50 413.00 -48.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 403.50 57.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 403.50 6.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 403.50 413.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 333.50 57.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 333.50 6.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 333.50 413.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 263.50 57.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 263.50 6.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 263.50 413.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 193.50 57.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 193.50 6.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 193.50 413.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 112.50 57.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 112.50 6.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 112.50 413.00 -35.00 re f /GS0 gs BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 723.62 Td (4.3.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.00 708.17 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 736.8333984375 m 560.5068359375 736.8333984375 l s q 0 0 1 rg BT 151.00 738.17 Td (Series ) Tj ET Q q 0 0 1 rg BT 177.81 738.17 Td (2016-B ) Tj ET Q q 0 0 1 rg BT 210.18 738.17 Td (Supplement ) Tj ET Q q 0 0 1 rg BT 260.32 738.17 Td (to ) Tj ET Q q 0 0 1 rg BT 270.47 738.17 Td (the ) Tj ET Q q 0 0 1 rg BT 285.06 738.17 Td (Base ) Tj ET Q q 0 0 1 rg BT 306.87 738.17 Td (Indenture, ) Tj ET Q q 0 0 1 rg BT 350.06 738.17 Td (dated ) Tj ET Q q 0 0 1 rg BT 374.08 738.17 Td (as ) Tj ET Q q 0 0 1 rg BT 384.78 738.17 Td (of ) Tj ET Q q 0 0 1 rg BT 395.48 738.17 Td (October ) Tj ET Q q 0 0 1 rg BT 430.06 738.17 Td (6, ) Tj ET Q q 0 0 1 rg BT 439.93 738.17 Td (2016, ) Tj ET Q q 0 0 1 rg BT 464.80 738.17 Td (by ) Tj ET Q q 0 0 1 rg BT 477.17 738.17 Td (and ) Tj ET Q q 0 0 1 rg BT 493.98 738.17 Td (between ) Tj ET Q q 0 0 1 rg BT 529.67 738.17 Td (Conn) Tj ET Q q 0 0 1 rg BT 554.12 738.17 Td (s ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 726.8333984375 m 560.50341796875 726.8333984375 l s q 0 0 1 rg BT 151.00 728.17 Td (Receivables ) Tj ET Q q 0 0 1 rg BT 202.09 728.17 Td (Funding ) Tj ET Q q 0 0 1 rg BT 238.21 728.17 Td (2016-B, ) Tj ET Q q 0 0 1 rg BT 273.49 728.17 Td (LLC ) Tj ET Q q 0 0 1 rg BT 295.15 728.17 Td (and ) Tj ET Q q 0 0 1 rg BT 312.17 728.17 Td (W) Tj ET Q q 0 0 1 rg BT 320.80 728.17 Td (ells ) Tj ET Q q 0 0 1 rg BT 337.47 728.17 Td (Far) Tj ET Q q 0 0 1 rg BT 350.62 728.17 Td (go ) Tj ET Q q 0 0 1 rg BT 363.40 728.17 Td (Bank, ) Tj ET Q q 0 0 1 rg BT 389.78 728.17 Td (National ) Tj ET Q q 0 0 1 rg BT 426.38 728.17 Td (Association ) Tj ET Q q 0 0 1 rg BT 476.38 728.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 533.02 728.17 Td (herein ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 716.8333984375 m 560.50732421875 716.8333984375 l s q 0 0 1 rg BT 151.00 718.17 Td (by ) Tj ET Q q 0 0 1 rg BT 163.05 718.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 202.29 718.17 Td (to ) Tj ET Q q 0 0 1 rg BT 212.12 718.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 243.61 718.17 Td (4.2 ) Tj ET Q q 0 0 1 rg BT 258.17 718.17 Td (to ) Tj ET Q q 0 0 1 rg BT 268.00 718.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 291.72 718.17 Td (8-K ) Tj ET Q q 0 0 1 rg BT 309.32 718.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 330.26 718.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 347.04 718.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 395.75 718.17 Td (as ) Tj ET Q q 0 0 1 rg BT 406.13 718.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 426.51 718.17 Td (with ) Tj ET Q q 0 0 1 rg BT 446.34 718.17 Td (the ) Tj ET Q q 0 0 1 rg BT 460.61 718.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 502.09 718.17 Td (and ) Tj ET Q q 0 0 1 rg BT 518.58 718.17 Td (Exchange ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 706.8333984375 m 284.603515625 706.8333984375 l s q 0 0 1 rg BT 151.00 708.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 204.07 708.17 Td (on ) Tj ET Q q 0 0 1 rg BT 216.57 708.17 Td (October ) Tj ET Q q 0 0 1 rg BT 251.27 708.17 Td (7, ) Tj ET Q q 0 0 1 rg BT 261.27 708.17 Td (2016\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.25 679.12 Td (4.4) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 692.7333984375 m 540.921875 692.7333984375 l s q 0 0 1 rg BT 151.00 694.07 Td (Base Indenture, dated as of ) Tj ET Q q 0 0 1 rg BT 261.52 694.07 Td (April 19, 2017 by and between Conn) Tj ET Q q 0 0 1 rg BT 412.33 694.07 Td (s Receivables Funding 2017-A, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 682.7333984375 m 558.0556640625 682.7333984375 l s q 0 0 1 rg BT 151.00 684.07 Td (LLC, and ) Tj ET Q q 0 0 1 rg BT 191.64 684.07 Td (W) Tj ET Q q 0 0 1 rg BT 200.28 684.07 Td (ells Far) Tj ET Q q 0 0 1 rg BT 229.82 684.07 Td (go Bank, National ) Tj ET Q q 0 0 1 rg BT 304.81 684.07 Td (Association \(incorporated herein by reference to Exhibit 4.1 to ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 672.7333984375 m 552.0595703125 672.7333984375 l s q 0 0 1 rg BT 151.00 674.07 Td (Form 8-K \(File No. 001-34956\) as filed with the Securities and Exchange Commission on ) Tj ET Q q 0 0 1 rg BT 513.45 674.07 Td (April 20, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 662.7333984375 m 174.330078125 662.7333984375 l s q 0 0 1 rg BT 151.00 664.07 Td (2017\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 629.62 Td (4.4.1) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 647.8333984375 m 555.9267578125 647.8333984375 l s q 0 0 1 rg BT 151.00 649.17 Td (Series 2017-A) Tj ET Q q 0 0 1 rg BT 207.94 649.17 Td ( Supplement to the Base Indenture, dated as of ) Tj ET Q q 0 0 1 rg BT 396.22 649.17 Td (April 19, 2017, by and between Conn) Tj ET Q q 0 0 1 rg BT 549.54 649.17 Td (s ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 637.8333984375 m 558.0751953125 637.8333984375 l s q 0 0 1 rg BT 151.00 639.17 Td (Receivables Funding 2017-A, LLC and ) Tj ET Q q 0 0 1 rg BT 311.35 639.17 Td (W) Tj ET Q q 0 0 1 rg BT 319.98 639.17 Td (ells Far) Tj ET Q q 0 0 1 rg BT 349.52 639.17 Td (go Bank, National ) Tj ET Q q 0 0 1 rg BT 424.51 639.17 Td (Association \(incorporated herein ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 627.8333984375 m 526.1953125 627.8333984375 l s q 0 0 1 rg BT 151.00 629.17 Td (by reference to Exhibit 4.2 to Form 8-K \(File No. 001-34956\) as filed with the Securities and ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 617.8333984375 m 319.876953125 617.8333984375 l s q 0 0 1 rg BT 151.00 619.17 Td (Exchange Commission on ) Tj ET Q q 0 0 1 rg BT 257.94 619.17 Td (April 20, 2017\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.25 564.62 Td (4.5) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 582.8333984375 m 544.037109375 582.8333984375 l s q 0 0 1 rg BT 151.00 584.17 Td (Indenture, dated as of February 24, 2017, as amended and made ef) Tj ET Q q 0 0 1 rg BT 416.83 584.17 Td (fective as of ) Tj ET Q q 0 0 1 rg BT 467.65 584.17 Td (August 8, 2017 by ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 572.8333984375 m 559.59375 572.8333984375 l s q 0 0 1 rg BT 151.00 574.17 Td (and among Conn) Tj ET Q q 0 0 1 rg BT 222.10 574.17 Td (s Receivables ) Tj ET Q q 0 0 1 rg BT 279.13 574.17 Td (W) Tj ET Q q 0 0 1 rg BT 287.76 574.17 Td (arehouse, LLC, Conn ) Tj ET Q q 0 0 1 rg BT 375.80 574.17 Td (Appliances, Inc., ) Tj ET Q q 0 0 1 rg BT 445.88 574.17 Td (W) Tj ET Q q 0 0 1 rg BT 454.52 574.17 Td (ells Far) Tj ET Q q 0 0 1 rg BT 484.05 574.17 Td (go Bank, National ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 562.8333984375 m 522.7626953125 562.8333984375 l s q 0 0 1 rg BT 151.00 564.17 Td (Association, Conn) Tj ET Q q 0 0 1 rg BT 227.67 564.17 Td (s Receivables ) Tj ET Q q 0 0 1 rg BT 284.69 564.17 Td (W) Tj ET Q q 0 0 1 rg BT 293.32 564.17 Td (arehouse ) Tj ET Q q 0 0 1 rg BT 331.18 564.17 Td (T) Tj ET Q q 0 0 1 rg BT 336.94 564.17 Td (rust, and Credit Suisse ) Tj ET Q q 0 0 1 rg BT 428.88 564.17 Td (AG, New ) Tj ET Q q 0 0 1 rg BT 469.33 564.17 Td (Y) Tj ET Q q 0 0 1 rg BT 475.56 564.17 Td (ork Branch ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 552.8333984375 m 551.1708984375 552.8333984375 l s q 0 0 1 rg BT 151.00 554.17 Td (\(incorporated herein by reference to Exhibit 4.1 to Form 8-K \(File No. 001-34956\) as filed with the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 542.8333984375 m 386.5322265625 542.8333984375 l s q 0 0 1 rg BT 151.00 544.17 Td (Securities and Exchange Commission on ) Tj ET Q q 0 0 1 rg BT 316.81 544.17 Td (August14, 2017\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.25 505.62 Td (4.6) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 518.7333984375 m 551.7275390625 518.7333984375 l s q 0 0 1 rg BT 151.00 520.07 Td (Base Indenture, dated as of December 20, 2017, by and between Conn) Tj ET Q q 0 0 1 rg BT 435.36 520.07 Td (s Receivables Funding 2017-) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 508.7333984375 m 542.5771484375 508.7333984375 l s q 0 0 1 rg BT 151.00 510.07 Td (B, LLC and ) Tj ET Q q 0 0 1 rg BT 200.81 510.07 Td (W) Tj ET Q q 0 0 1 rg BT 209.85 510.07 Td (ilmington ) Tj ET Q q 0 0 1 rg BT 251.06 510.07 Td (T) Tj ET Q q 0 0 1 rg BT 256.82 510.07 Td (rust, NA, as ) Tj ET Q q 0 0 1 rg BT 306.91 510.07 Td (T) Tj ET Q q 0 0 1 rg BT 312.67 510.07 Td (rustee \(incorporated herein by reference to Exhibit 4.1 to ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 498.7333984375 m 546.7568359375 498.7333984375 l s q 0 0 1 rg BT 151.00 500.07 Td (Form 8-K \(File No. 001-34956\) filed with the Securities and Exchange Commission on December ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 488.7333984375 m 189.330078125 488.7333984375 l s q 0 0 1 rg BT 151.00 490.07 Td (26, 2017\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 460.12 Td (4.6.1) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 475.7333984375 m 545.6142578125 475.7333984375 l s q 0 0 1 rg BT 151.00 477.07 Td (Series 2017-B Supplement to the Base Indenture, dated as of December 20, 2017, by and between ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 465.7333984375 m 560.1015625 465.7333984375 l s q 0 0 1 rg BT 151.00 467.07 Td (Conn) Tj ET Q q 0 0 1 rg BT 175.45 467.07 Td (s Receivables Funding 2017-B, LLC and ) Tj ET Q q 0 0 1 rg BT 341.63 467.07 Td (W) Tj ET Q q 0 0 1 rg BT 350.67 467.07 Td (ilmington ) Tj ET Q q 0 0 1 rg BT 391.88 467.07 Td (T) Tj ET Q q 0 0 1 rg BT 397.64 467.07 Td (rust, National ) Tj ET Q q 0 0 1 rg BT 454.02 467.07 Td (Association \(incorporated ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 455.7333984375 m 542.8505859375 455.7333984375 l s q 0 0 1 rg BT 151.00 457.07 Td (herein by reference to Exhibit 4.2 to Form 8-K \(File No. 001-34956\) filed with the Securities and ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 445.7333984375 m 340.404296875 445.7333984375 l s q 0 0 1 rg BT 151.00 447.07 Td (Exchange Commission on December 26, 2017\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.00 418.62 Td (* 10.1) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 426.8333984375 m 530.5947265625 426.8333984375 l s q 0 0 1 rg BT 151.00 428.17 Td (Amended and Restated 2003 Incentive Stock Option Plan \(incorporated herein by reference to ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 416.8333984375 m 556.498046875 416.8333984375 l s q 0 0 1 rg BT 151.00 418.17 Td (Exhibit 10.1 to registration statement on Form S-1 \(File No. 333-109046\) as filed with the Securities ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 406.8333984375 m 359.0224609375 406.8333984375 l s q 0 0 1 rg BT 151.00 408.17 Td (and Exchange Commission on September 23, 2003\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.25 383.62 Td (* 10.1.1) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 391.8333984375 m 560.4990234375 391.8333984375 l s q 0 0 1 rg BT 151.00 393.17 Td (Amendment ) Tj ET Q q 0 0 1 rg BT 202.41 393.17 Td (to ) Tj ET Q q 0 0 1 rg BT 212.17 393.17 Td (the ) Tj ET Q q 0 0 1 rg BT 226.37 393.17 Td (Conn's, ) Tj ET Q q 0 0 1 rg BT 258.21 393.17 Td (Inc. ) Tj ET Q q 0 0 1 rg BT 275.02 393.17 Td (Amended ) Tj ET Q q 0 0 1 rg BT 315.87 393.17 Td (and ) Tj ET Q q 0 0 1 rg BT 332.29 393.17 Td (Restated ) Tj ET Q q 0 0 1 rg BT 368.70 393.17 Td (2003 ) Tj ET Q q 0 0 1 rg BT 390.68 393.17 Td (Incentive ) Tj ET Q q 0 0 1 rg BT 429.86 393.17 Td (Stock ) Tj ET Q q 0 0 1 rg BT 454.62 393.17 Td (Option ) Tj ET Q q 0 0 1 rg BT 484.38 393.17 Td (Plan ) Tj ET Q q 0 0 1 rg BT 504.14 393.17 Td (\(incorporated ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 381.8333984375 m 560.49853515625 381.8333984375 l s q 0 0 1 rg BT 151.00 383.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 178.41 383.17 Td (by ) Tj ET Q q 0 0 1 rg BT 190.84 383.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 230.45 383.17 Td (to ) Tj ET Q q 0 0 1 rg BT 240.65 383.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 272.52 383.17 Td (10.1.1 ) Tj ET Q q 0 0 1 rg BT 299.95 383.17 Td (to ) Tj ET Q q 0 0 1 rg BT 310.16 383.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 334.25 383.17 Td (10-Q ) Tj ET Q q 0 0 1 rg BT 357.23 383.17 Td (for ) Tj ET Q q 0 0 1 rg BT 371.32 383.17 Td (the ) Tj ET Q q 0 0 1 rg BT 385.96 383.17 Td (quarterly ) Tj ET Q q 0 0 1 rg BT 424.48 383.17 Td (period ) Tj ET Q q 0 0 1 rg BT 452.46 383.17 Td (ended ) Tj ET Q q 0 0 1 rg BT 478.22 383.17 Td (April ) Tj ET Q q 0 0 1 rg BT 501.76 383.17 Td (30, ) Tj ET Q q 0 0 1 rg BT 516.69 383.17 Td (2004 ) Tj ET Q q 0 0 1 rg BT 539.11 383.17 Td (\(File ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 371.8333984375 m 504.5546875 371.8333984375 l s q 0 0 1 rg BT 151.00 373.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 168.22 373.17 Td (000-50421\) ) Tj ET Q q 0 0 1 rg BT 217.38 373.17 Td (as ) Tj ET Q q 0 0 1 rg BT 228.21 373.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 249.04 373.17 Td (with ) Tj ET Q q 0 0 1 rg BT 269.32 373.17 Td (the ) Tj ET Q q 0 0 1 rg BT 284.03 373.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 325.97 373.17 Td (and ) Tj ET Q q 0 0 1 rg BT 342.90 373.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 384.83 373.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 437.89 373.17 Td (on ) Tj ET Q q 0 0 1 rg BT 450.39 373.17 Td (June ) Tj ET Q q 0 0 1 rg BT 471.22 373.17 Td (7, ) Tj ET Q q 0 0 1 rg BT 481.22 373.17 Td (2004\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.25 348.62 Td (* 10.1.2) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 356.8333984375 m 560.501953125 356.8333984375 l s q 0 0 1 rg BT 151.00 358.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 175.16 358.17 Td (of ) Tj ET Q q 0 0 1 rg BT 185.98 358.17 Td (Stock ) Tj ET Q q 0 0 1 rg BT 211.25 358.17 Td (Option ) Tj ET Q q 0 0 1 rg BT 240.96 358.17 Td (Agreement ) Tj ET Q q 0 0 1 rg BT 287.88 358.17 Td (under ) Tj ET Q q 0 0 1 rg BT 313.13 358.17 Td (the ) Tj ET Q q 0 0 1 rg BT 327.29 358.17 Td (Amended ) Tj ET Q q 0 0 1 rg BT 368.66 358.17 Td (and ) Tj ET Q q 0 0 1 rg BT 385.58 358.17 Td (Restated ) Tj ET Q q 0 0 1 rg BT 422.51 358.17 Td (2003 ) Tj ET Q q 0 0 1 rg BT 445.00 358.17 Td (Incentive ) Tj ET Q q 0 0 1 rg BT 484.69 358.17 Td (Stock ) Tj ET Q q 0 0 1 rg BT 509.96 358.17 Td (Option ) Tj ET Q q 0 0 1 rg BT 540.22 358.17 Td (Plan ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 346.8333984375 m 560.51171875 346.8333984375 l s q 0 0 1 rg BT 151.00 348.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 207.38 348.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 234.88 348.17 Td (by ) Tj ET Q q 0 0 1 rg BT 247.39 348.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 287.08 348.17 Td (to ) Tj ET Q q 0 0 1 rg BT 297.38 348.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 329.33 348.17 Td (10.1.2 ) Tj ET Q q 0 0 1 rg BT 356.85 348.17 Td (to ) Tj ET Q q 0 0 1 rg BT 367.14 348.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 391.32 348.17 Td (10-K ) Tj ET Q q 0 0 1 rg BT 414.39 348.17 Td (for ) Tj ET Q q 0 0 1 rg BT 428.56 348.17 Td (the ) Tj ET Q q 0 0 1 rg BT 443.29 348.17 Td (annual ) Tj ET Q q 0 0 1 rg BT 472.46 348.17 Td (period ) Tj ET Q q 0 0 1 rg BT 500.52 348.17 Td (ended ) Tj ET Q q 0 0 1 rg BT 526.91 348.17 Td (January ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 336.8333984375 m 558.001953125 336.8333984375 l s q 0 0 1 rg BT 151.00 338.17 Td (31, ) Tj ET Q q 0 0 1 rg BT 165.51 338.17 Td (2005 ) Tj ET Q q 0 0 1 rg BT 187.53 338.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 208.43 338.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 225.17 338.17 Td (000-50421\) ) Tj ET Q q 0 0 1 rg BT 273.84 338.17 Td (as ) Tj ET Q q 0 0 1 rg BT 284.18 338.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 304.52 338.17 Td (with ) Tj ET Q q 0 0 1 rg BT 324.32 338.17 Td (the ) Tj ET Q q 0 0 1 rg BT 338.55 338.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 379.99 338.17 Td (and ) Tj ET Q q 0 0 1 rg BT 396.45 338.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 437.88 338.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 490.47 338.17 Td (on ) Tj ET Q q 0 0 1 rg BT 502.04 338.17 Td (April ) Tj ET Q q 0 0 1 rg BT 525.16 338.17 Td (5, ) Tj ET Q q 0 0 1 rg BT 534.67 338.17 Td (2005\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.00 313.62 Td (* 10.2) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 321.8333984375 m 560.4970703125 321.8333984375 l s q 0 0 1 rg BT 151.00 323.17 Td (201) Tj ET Q q 0 0 1 rg BT 165.63 323.17 Td (1 ) Tj ET Q q 0 0 1 rg BT 172.79 323.17 Td (Employee ) Tj ET Q q 0 0 1 rg BT 215.49 323.17 Td (Omnibus ) Tj ET Q q 0 0 1 rg BT 254.32 323.17 Td (Incentive ) Tj ET Q q 0 0 1 rg BT 293.69 323.17 Td (Plan ) Tj ET Q q 0 0 1 rg BT 313.62 323.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 369.65 323.17 Td (by ) Tj ET Q q 0 0 1 rg BT 381.81 323.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 421.15 323.17 Td (to ) Tj ET Q q 0 0 1 rg BT 431.09 323.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 462.69 323.17 Td (10.1.3 ) Tj ET Q q 0 0 1 rg BT 489.85 323.17 Td (to ) Tj ET Q q 0 0 1 rg BT 499.79 323.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 523.62 323.17 Td (10-Q ) Tj ET Q q 0 0 1 rg BT 546.34 323.17 Td (for ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 311.8333984375 m 560.49951171875 311.8333984375 l s q 0 0 1 rg BT 151.00 313.17 Td (the ) Tj ET Q q 0 0 1 rg BT 166.98 313.17 Td (quarterly ) Tj ET Q q 0 0 1 rg BT 206.85 313.17 Td (period ) Tj ET Q q 0 0 1 rg BT 236.16 313.17 Td (ended ) Tj ET Q q 0 0 1 rg BT 262.98 313.17 Td (April ) Tj ET Q q 0 0 1 rg BT 287.85 313.17 Td (30, ) Tj ET Q q 0 0 1 rg BT 304.12 313.17 Td (201) Tj ET Q q 0 0 1 rg BT 318.75 313.17 Td (1 ) Tj ET Q q 0 0 1 rg BT 327.52 313.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 350.17 313.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 368.66 313.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 419.09 313.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 441.18 313.17 Td (the ) Tj ET Q q 0 0 1 rg BT 457.17 313.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 500.37 313.17 Td (and ) Tj ET Q q 0 0 1 rg BT 518.58 313.17 Td (Exchange ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 301.8333984375 m 275.35546875 301.8333984375 l s q 0 0 1 rg BT 151.00 303.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 204.07 303.17 Td (on ) Tj ET Q q 0 0 1 rg BT 216.57 303.17 Td (May ) Tj ET Q q 0 0 1 rg BT 237.40 303.17 Td (26, ) Tj ET Q q 0 0 1 rg BT 252.40 303.17 Td (201) Tj ET Q q 0 0 1 rg BT 267.03 303.17 Td (1\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.25 278.62 Td (* 10.2.1) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 286.8333984375 m 560.5009765625 286.8333984375 l s q 0 0 1 rg BT 151.00 288.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 177.53 288.17 Td (of ) Tj ET Q q 0 0 1 rg BT 190.72 288.17 Td (Restricted ) Tj ET Q q 0 0 1 rg BT 236.12 288.17 Td (Stock ) Tj ET Q q 0 0 1 rg BT 262.68 288.17 Td (A) Tj ET Q q 0 0 1 rg BT 268.99 288.17 Td (ward ) Tj ET Q q 0 0 1 rg BT 292.76 288.17 Td (Agreement ) Tj ET Q q 0 0 1 rg BT 342.04 288.17 Td (under ) Tj ET Q q 0 0 1 rg BT 369.67 288.17 Td (the ) Tj ET Q q 0 0 1 rg BT 386.75 288.17 Td (201) Tj ET Q q 0 0 1 rg BT 401.38 288.17 Td (1 ) Tj ET Q q 0 0 1 rg BT 411.23 288.17 Td (Employee ) Tj ET Q q 0 0 1 rg BT 456.63 288.17 Td (Omnibus ) Tj ET Q q 0 0 1 rg BT 498.16 288.17 Td (Incentive ) Tj ET Q q 0 0 1 rg BT 540.22 288.17 Td (Plan ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 276.8333984375 m 560.501953125 276.8333984375 l s q 0 0 1 rg BT 151.00 278.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 207.45 278.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 235.02 278.17 Td (by ) Tj ET Q q 0 0 1 rg BT 247.61 278.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 287.38 278.17 Td (to ) Tj ET Q q 0 0 1 rg BT 297.75 278.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 329.78 278.17 Td (10.1.4 ) Tj ET Q q 0 0 1 rg BT 357.37 278.17 Td (to ) Tj ET Q q 0 0 1 rg BT 367.73 278.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 391.99 278.17 Td (10-Q ) Tj ET Q q 0 0 1 rg BT 415.13 278.17 Td (for ) Tj ET Q q 0 0 1 rg BT 429.38 278.17 Td (the ) Tj ET Q q 0 0 1 rg BT 444.18 278.17 Td (quarterly ) Tj ET Q q 0 0 1 rg BT 482.87 278.17 Td (period ) Tj ET Q q 0 0 1 rg BT 511.00 278.17 Td (ended ) Tj ET Q q 0 0 1 rg BT 536.89 278.17 Td (April ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 266.8333984375 m 558.01171875 266.8333984375 l s q 0 0 1 rg BT 151.00 268.17 Td (30, ) Tj ET Q q 0 0 1 rg BT 165.39 268.17 Td (201) Tj ET Q q 0 0 1 rg BT 180.02 268.17 Td (1 ) Tj ET Q q 0 0 1 rg BT 186.92 268.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 207.70 268.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 224.32 268.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 272.87 268.17 Td (as ) Tj ET Q q 0 0 1 rg BT 283.09 268.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 303.31 268.17 Td (with ) Tj ET Q q 0 0 1 rg BT 322.99 268.17 Td (the ) Tj ET Q q 0 0 1 rg BT 337.10 268.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 378.43 268.17 Td (and ) Tj ET Q q 0 0 1 rg BT 394.76 268.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 436.08 268.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 488.54 268.17 Td (on ) Tj ET Q q 0 0 1 rg BT 500.43 268.17 Td (May ) Tj ET Q q 0 0 1 rg BT 520.66 268.17 Td (26, ) Tj ET Q q 0 0 1 rg BT 535.05 268.17 Td (201) Tj ET Q q 0 0 1 rg BT 549.68 268.17 Td (1\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.00 243.62 Td (* 10.3) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 251.83339843750002 m 560.51171875 251.83339843750002 l s q 0 0 1 rg BT 151.00 253.17 Td (2003 ) Tj ET Q q 0 0 1 rg BT 173.75 253.17 Td (Non-Employee ) Tj ET Q q 0 0 1 rg BT 237.59 253.17 Td (Director ) Tj ET Q q 0 0 1 rg BT 273.66 253.17 Td (Stock ) Tj ET Q q 0 0 1 rg BT 299.18 253.17 Td (Option ) Tj ET Q q 0 0 1 rg BT 329.71 253.17 Td (Plan ) Tj ET Q q 0 0 1 rg BT 350.24 253.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 406.85 253.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 434.58 253.17 Td (by ) Tj ET Q q 0 0 1 rg BT 447.33 253.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 487.26 253.17 Td (to ) Tj ET Q q 0 0 1 rg BT 497.79 253.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 529.98 253.17 Td (10.2 ) Tj ET Q q 0 0 1 rg BT 550.23 253.17 Td (to ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 241.8333984374999 m 560.5078125 241.8333984374999 l s q 0 0 1 rg BT 151.00 243.17 Td (registration ) Tj ET Q q 0 0 1 rg BT 199.57 243.17 Td (statement ) Tj ET Q q 0 0 1 rg BT 240.92 243.17 Td (on ) Tj ET Q q 0 0 1 rg BT 253.94 243.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 278.64 243.17 Td (S-1 ) Tj ET Q q 0 0 1 rg BT 295.56 243.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 317.47 243.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 335.22 243.17 Td (333-109046\) ) Tj ET Q q 0 0 1 rg BT 389.90 243.17 Td (as ) Tj ET Q q 0 0 1 rg BT 401.26 243.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 422.61 243.17 Td (with ) Tj ET Q q 0 0 1 rg BT 443.42 243.17 Td (the ) Tj ET Q q 0 0 1 rg BT 458.66 243.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 501.12 243.17 Td (and ) Tj ET Q q 0 0 1 rg BT 518.58 243.17 Td (Exchange ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 231.8333984374999 m 300.16015625 231.8333984374999 l s q 0 0 1 rg BT 151.00 233.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 204.07 233.17 Td (on ) Tj ET Q q 0 0 1 rg BT 216.57 233.17 Td (September ) Tj ET Q q 0 0 1 rg BT 261.83 233.17 Td (23, ) Tj ET Q q 0 0 1 rg BT 276.83 233.17 Td (2003\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.25 208.62 Td (* 10.3.1) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 216.8333984374999 m 560.50146484375 216.8333984374999 l s q 0 0 1 rg BT 151.00 218.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 178.13 218.17 Td (of ) Tj ET Q q 0 0 1 rg BT 191.92 218.17 Td (Stock ) Tj ET Q q 0 0 1 rg BT 220.15 218.17 Td (Option ) Tj ET Q q 0 0 1 rg BT 252.18 218.17 Td (Agreement ) Tj ET Q q 0 0 1 rg BT 302.07 218.17 Td (under ) Tj ET Q q 0 0 1 rg BT 330.29 218.17 Td (the ) Tj ET Q q 0 0 1 rg BT 347.97 218.17 Td (2003 ) Tj ET Q q 0 0 1 rg BT 373.43 218.17 Td (Non-Employee ) Tj ET Q q 0 0 1 rg BT 439.98 218.17 Td (Director ) Tj ET Q q 0 0 1 rg BT 478.75 218.17 Td (Stock ) Tj ET Q q 0 0 1 rg BT 506.99 218.17 Td (Option ) Tj ET Q q 0 0 1 rg BT 540.22 218.17 Td (Plan ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 206.8333984374999 m 560.51171875 206.8333984374999 l s q 0 0 1 rg BT 151.00 208.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 207.38 208.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 234.88 208.17 Td (by ) Tj ET Q q 0 0 1 rg BT 247.39 208.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 287.08 208.17 Td (to ) Tj ET Q q 0 0 1 rg BT 297.38 208.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 329.33 208.17 Td (10.2.1 ) Tj ET Q q 0 0 1 rg BT 356.85 208.17 Td (to ) Tj ET Q q 0 0 1 rg BT 367.14 208.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 391.32 208.17 Td (10-K ) Tj ET Q q 0 0 1 rg BT 414.39 208.17 Td (for ) Tj ET Q q 0 0 1 rg BT 428.56 208.17 Td (the ) Tj ET Q q 0 0 1 rg BT 443.29 208.17 Td (annual ) Tj ET Q q 0 0 1 rg BT 472.46 208.17 Td (period ) Tj ET Q q 0 0 1 rg BT 500.52 208.17 Td (ended ) Tj ET Q q 0 0 1 rg BT 526.91 208.17 Td (January ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 196.8333984374999 m 558.001953125 196.8333984374999 l s q 0 0 1 rg BT 151.00 198.17 Td (31, ) Tj ET Q q 0 0 1 rg BT 165.51 198.17 Td (2005 ) Tj ET Q q 0 0 1 rg BT 187.53 198.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 208.43 198.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 225.17 198.17 Td (000-50421\) ) Tj ET Q q 0 0 1 rg BT 273.84 198.17 Td (as ) Tj ET Q q 0 0 1 rg BT 284.18 198.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 304.52 198.17 Td (with ) Tj ET Q q 0 0 1 rg BT 324.32 198.17 Td (the ) Tj ET Q q 0 0 1 rg BT 338.55 198.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 379.99 198.17 Td (and ) Tj ET Q q 0 0 1 rg BT 396.45 198.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 437.88 198.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 490.47 198.17 Td (on ) Tj ET Q q 0 0 1 rg BT 502.04 198.17 Td (April ) Tj ET Q q 0 0 1 rg BT 525.16 198.17 Td (5, ) Tj ET Q q 0 0 1 rg BT 534.67 198.17 Td (2005\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.00 173.62 Td (* 10.4) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 181.8333984374999 m 560.509765625 181.8333984374999 l s q 0 0 1 rg BT 151.00 183.17 Td (201) Tj ET Q q 0 0 1 rg BT 165.63 183.17 Td (1 ) Tj ET Q q 0 0 1 rg BT 174.03 183.17 Td (Non-Employee ) Tj ET Q q 0 0 1 rg BT 238.53 183.17 Td (Director ) Tj ET Q q 0 0 1 rg BT 275.25 183.17 Td (Restricted ) Tj ET Q q 0 0 1 rg BT 319.19 183.17 Td (Stock ) Tj ET Q q 0 0 1 rg BT 345.37 183.17 Td (Plan ) Tj ET Q q 0 0 1 rg BT 366.55 183.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 423.82 183.17 Td (by ) Tj ET Q q 0 0 1 rg BT 437.22 183.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 477.80 183.17 Td (to ) Tj ET Q q 0 0 1 rg BT 488.98 183.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 521.83 183.17 Td (10.2.2 ) Tj ET Q q 0 0 1 rg BT 550.23 183.17 Td (to ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 171.8333984374999 m 560.51416015625 171.8333984374999 l s q 0 0 1 rg BT 151.00 173.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 174.21 173.17 Td (10-Q ) Tj ET Q q 0 0 1 rg BT 196.30 173.17 Td (for ) Tj ET Q q 0 0 1 rg BT 209.50 173.17 Td (the ) Tj ET Q q 0 0 1 rg BT 223.25 173.17 Td (quarterly ) Tj ET Q q 0 0 1 rg BT 260.88 173.17 Td (period ) Tj ET Q q 0 0 1 rg BT 287.97 173.17 Td (ended ) Tj ET Q q 0 0 1 rg BT 313.04 173.17 Td (April ) Tj ET Q q 0 0 1 rg BT 335.69 173.17 Td (30, ) Tj ET Q q 0 0 1 rg BT 349.73 173.17 Td (201) Tj ET Q q 0 0 1 rg BT 364.36 173.17 Td (1 ) Tj ET Q q 0 0 1 rg BT 370.90 173.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 391.32 173.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 407.58 173.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 455.78 173.17 Td (as ) Tj ET Q q 0 0 1 rg BT 465.65 173.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 485.51 173.17 Td (with ) Tj ET Q q 0 0 1 rg BT 504.83 173.17 Td (the ) Tj ET Q q 0 0 1 rg BT 518.58 173.17 Td (Securities ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 161.8333984374999 m 334.2177734375 161.8333984374999 l s q 0 0 1 rg BT 151.00 163.17 Td (and ) Tj ET Q q 0 0 1 rg BT 167.94 163.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 209.86 163.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 262.93 163.17 Td (on ) Tj ET Q q 0 0 1 rg BT 275.43 163.17 Td (May ) Tj ET Q q 0 0 1 rg BT 296.26 163.17 Td (26, ) Tj ET Q q 0 0 1 rg BT 311.26 163.17 Td (201) Tj ET Q q 0 0 1 rg BT 325.89 163.17 Td (1\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.50 133.12 Td (*10.4.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.00 117.17 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 145.8333984374999 m 560.498046875 145.8333984374999 l s q 0 0 1 rg BT 151.00 147.17 Td (First ) Tj ET Q q 0 0 1 rg BT 172.05 147.17 Td (Amendment ) Tj ET Q q 0 0 1 rg BT 224.95 147.17 Td (to ) Tj ET Q q 0 0 1 rg BT 236.20 147.17 Td (201) Tj ET Q q 0 0 1 rg BT 250.83 147.17 Td (1 ) Tj ET Q q 0 0 1 rg BT 259.30 147.17 Td (Non-Employee ) Tj ET Q q 0 0 1 rg BT 323.87 147.17 Td (Director ) Tj ET Q q 0 0 1 rg BT 360.65 147.17 Td (Restricted ) Tj ET Q q 0 0 1 rg BT 404.67 147.17 Td (Stock ) Tj ET Q q 0 0 1 rg BT 430.92 147.17 Td (Plan ) Tj ET Q q 0 0 1 rg BT 452.17 147.17 Td (ef) Tj ET Q q 0 0 1 rg BT 459.76 147.17 Td (fective ) Tj ET Q q 0 0 1 rg BT 489.66 147.17 Td (August ) Tj ET Q q 0 0 1 rg BT 522.03 147.17 Td (27, ) Tj ET Q q 0 0 1 rg BT 538.00 147.17 Td (2013 ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 135.8333984374999 m 560.51171875 135.8333984374999 l s q 0 0 1 rg BT 151.00 137.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 207.22 137.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 234.56 137.17 Td (by ) Tj ET Q q 0 0 1 rg BT 246.92 137.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 286.45 137.17 Td (to ) Tj ET Q q 0 0 1 rg BT 296.59 137.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 328.39 137.17 Td (10.1 ) Tj ET Q q 0 0 1 rg BT 348.24 137.17 Td (to ) Tj ET Q q 0 0 1 rg BT 358.38 137.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 382.40 137.17 Td (10-Q ) Tj ET Q q 0 0 1 rg BT 405.31 137.17 Td (for ) Tj ET Q q 0 0 1 rg BT 419.33 137.17 Td (the ) Tj ET Q q 0 0 1 rg BT 433.90 137.17 Td (quarterly ) Tj ET Q q 0 0 1 rg BT 472.35 137.17 Td (period ) Tj ET Q q 0 0 1 rg BT 500.25 137.17 Td (ended ) Tj ET Q q 0 0 1 rg BT 526.49 137.17 Td (July ) Tj ET Q q 0 0 1 rg BT 545.51 137.17 Td (31, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 125.83339843749991 m 560.5029296875 125.83339843749991 l s q 0 0 1 rg BT 151.00 127.17 Td (2013 ) Tj ET Q q 0 0 1 rg BT 174.28 127.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 196.45 127.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 214.46 127.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 264.40 127.17 Td (as ) Tj ET Q q 0 0 1 rg BT 276.01 127.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 297.62 127.17 Td (with ) Tj ET Q q 0 0 1 rg BT 318.68 127.17 Td (the ) Tj ET Q q 0 0 1 rg BT 334.18 127.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 376.90 127.17 Td (and ) Tj ET Q q 0 0 1 rg BT 394.62 127.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 437.32 127.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 491.17 127.17 Td (on ) Tj ET Q q 0 0 1 rg BT 504.46 127.17 Td (September ) Tj ET Q q 0 0 1 rg BT 550.50 127.17 Td (5, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 115.83339843749991 m 174.330078125 115.83339843749991 l s q 0 0 1 rg BT 151.00 117.17 Td (2013\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.50 92.62 Td (*10.4.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.00 82.17 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 100.83339843749991 m 560.5 100.83339843749991 l s q 0 0 1 rg BT 151.00 102.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 175.32 102.17 Td (of ) Tj ET Q q 0 0 1 rg BT 186.30 102.17 Td (Restricted ) Tj ET Q q 0 0 1 rg BT 229.49 102.17 Td (Stock ) Tj ET Q q 0 0 1 rg BT 254.33 102.17 Td (A) Tj ET Q q 0 0 1 rg BT 260.64 102.17 Td (ward ) Tj ET Q q 0 0 1 rg BT 282.69 102.17 Td (Agreement ) Tj ET Q q 0 0 1 rg BT 329.76 102.17 Td (under ) Tj ET Q q 0 0 1 rg BT 355.18 102.17 Td (the ) Tj ET Q q 0 0 1 rg BT 370.05 102.17 Td (201) Tj ET Q q 0 0 1 rg BT 384.67 102.17 Td (1 ) Tj ET Q q 0 0 1 rg BT 392.32 102.17 Td (Non-Employee ) Tj ET Q q 0 0 1 rg BT 456.07 102.17 Td (Director ) Tj ET Q q 0 0 1 rg BT 492.03 102.17 Td (Restricted ) Tj ET Q q 0 0 1 rg BT 535.22 102.17 Td (Stock ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 90.83339843749991 m 560.50830078125 90.83339843749991 l s q 0 0 1 rg BT 151.00 92.17 Td (Plan ) Tj ET Q q 0 0 1 rg BT 170.87 92.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 226.82 92.17 Td (by ) Tj ET Q q 0 0 1 rg BT 238.91 92.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 278.18 92.17 Td (to ) Tj ET Q q 0 0 1 rg BT 288.05 92.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 319.58 92.17 Td (10.2.3 ) Tj ET Q q 0 0 1 rg BT 346.67 92.17 Td (to ) Tj ET Q q 0 0 1 rg BT 356.53 92.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 380.29 92.17 Td (10-Q ) Tj ET Q q 0 0 1 rg BT 402.93 92.17 Td (for ) Tj ET Q q 0 0 1 rg BT 416.68 92.17 Td (the ) Tj ET Q q 0 0 1 rg BT 430.99 92.17 Td (quarterly ) Tj ET Q q 0 0 1 rg BT 469.17 92.17 Td (period ) Tj ET Q q 0 0 1 rg BT 496.81 92.17 Td (ended ) Tj ET Q q 0 0 1 rg BT 522.31 92.17 Td (April ) Tj ET Q q 0 0 1 rg BT 545.51 92.17 Td (30, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 80.83339843749991 m 552.69921875 80.83339843749991 l s q 0 0 1 rg BT 151.00 82.17 Td (201) Tj ET Q q 0 0 1 rg BT 165.63 82.17 Td (1 ) Tj ET Q q 0 0 1 rg BT 173.13 82.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 194.52 82.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 211.74 82.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 260.90 82.17 Td (as ) Tj ET Q q 0 0 1 rg BT 271.73 82.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 292.55 82.17 Td (with ) Tj ET Q q 0 0 1 rg BT 312.83 82.17 Td (the ) Tj ET Q q 0 0 1 rg BT 327.55 82.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 369.48 82.17 Td (and ) Tj ET Q q 0 0 1 rg BT 386.42 82.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 428.34 82.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 481.41 82.17 Td (on ) Tj ET Q q 0 0 1 rg BT 493.91 82.17 Td (May ) Tj ET Q q 0 0 1 rg BT 514.74 82.17 Td (26, ) Tj ET Q q 0 0 1 rg BT 529.74 82.17 Td (201) Tj ET Q q 0 0 1 rg BT 544.37 82.17 Td (1\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL endstream endobj 205 0 obj <>] /Rotate 0 /Contents 206 0 R>> endobj 206 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (101) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 704.50 57.00 -47.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 704.50 6.00 -47.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 704.50 413.00 -47.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 609.50 57.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 609.50 6.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 609.50 413.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 542.50 57.00 -44.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 542.50 6.00 -44.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 542.50 413.00 -44.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 450.50 57.00 -50.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 450.50 6.00 -50.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 450.50 413.00 -50.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 349.50 57.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 349.50 6.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 349.50 413.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 279.50 57.00 -52.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 279.50 6.00 -52.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 279.50 413.00 -52.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 182.50 57.00 -45.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 182.50 6.00 -45.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 182.50 413.00 -45.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 102.50 57.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 102.50 6.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 102.50 413.00 -35.00 re f /GS0 gs BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.50 724.12 Td (*10.4.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.00 709.17 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 737.7333984375 m 560.5009765625 737.7333984375 l s q 0 0 1 rg BT 151.00 739.07 Td (Revised ) Tj ET Q q 0 0 1 rg BT 185.05 739.07 Td (Form ) Tj ET Q q 0 0 1 rg BT 208.55 739.07 Td (of ) Tj ET Q q 0 0 1 rg BT 218.71 739.07 Td (Restricted ) Tj ET Q q 0 0 1 rg BT 261.09 739.07 Td (Stock ) Tj ET Q q 0 0 1 rg BT 285.29 739.07 Td (A) Tj ET Q q 0 0 1 rg BT 291.60 739.07 Td (ward ) Tj ET Q q 0 0 1 rg BT 313.02 739.07 Td (Agreement ) Tj ET Q q 0 0 1 rg BT 359.27 739.07 Td (under ) Tj ET Q q 0 0 1 rg BT 383.87 739.07 Td (the ) Tj ET Q q 0 0 1 rg BT 397.92 739.07 Td (201) Tj ET Q q 0 0 1 rg BT 412.55 739.07 Td (1 ) Tj ET Q q 0 0 1 rg BT 419.38 739.07 Td (Non-Employee ) Tj ET Q q 0 0 1 rg BT 482.31 739.07 Td (Director ) Tj ET Q q 0 0 1 rg BT 517.46 739.07 Td (Restricted ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 727.7333984375 m 560.4970703125 727.7333984375 l s q 0 0 1 rg BT 151.00 729.07 Td (Stock ) Tj ET Q q 0 0 1 rg BT 177.12 729.07 Td (Plan ) Tj ET Q q 0 0 1 rg BT 198.25 729.07 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 255.45 729.07 Td (herein ) Tj ET Q q 0 0 1 rg BT 283.78 729.07 Td (by ) Tj ET Q q 0 0 1 rg BT 297.13 729.07 Td (reference ) Tj ET Q q 0 0 1 rg BT 337.66 729.07 Td (to ) Tj ET Q q 0 0 1 rg BT 348.78 729.07 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 381.57 729.07 Td (10.2 ) Tj ET Q q 0 0 1 rg BT 402.41 729.07 Td (to ) Tj ET Q q 0 0 1 rg BT 413.53 729.07 Td (Form ) Tj ET Q q 0 0 1 rg BT 438.55 729.07 Td (10-Q ) Tj ET Q q 0 0 1 rg BT 462.45 729.07 Td (for ) Tj ET Q q 0 0 1 rg BT 477.45 729.07 Td (the ) Tj ET Q q 0 0 1 rg BT 493.01 729.07 Td (quarterly ) Tj ET Q q 0 0 1 rg BT 532.45 729.07 Td (period ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 717.7333984375 m 560.50439453125 717.7333984375 l s q 0 0 1 rg BT 151.00 719.07 Td (ended ) Tj ET Q q 0 0 1 rg BT 177.76 719.07 Td (July ) Tj ET Q q 0 0 1 rg BT 197.30 719.07 Td (31, ) Tj ET Q q 0 0 1 rg BT 212.68 719.07 Td (2013 ) Tj ET Q q 0 0 1 rg BT 235.56 719.07 Td (\(File ) Tj ET Q q 0 0 1 rg BT 257.33 719.07 Td (No. ) Tj ET Q q 0 0 1 rg BT 274.93 719.07 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 324.46 719.07 Td (as ) Tj ET Q q 0 0 1 rg BT 335.67 719.07 Td (filed ) Tj ET Q q 0 0 1 rg BT 356.88 719.07 Td (with ) Tj ET Q q 0 0 1 rg BT 377.53 719.07 Td (the ) Tj ET Q q 0 0 1 rg BT 392.63 719.07 Td (Securities ) Tj ET Q q 0 0 1 rg BT 434.94 719.07 Td (and ) Tj ET Q q 0 0 1 rg BT 452.26 719.07 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 494.56 719.07 Td (Commission ) Tj ET Q q 0 0 1 rg BT 548.00 719.07 Td (on ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 707.7333984375 m 229.59375 707.7333984375 l s q 0 0 1 rg BT 151.00 709.07 Td (September ) Tj ET Q q 0 0 1 rg BT 196.26 709.07 Td (5, ) Tj ET Q q 0 0 1 rg BT 206.26 709.07 Td (2013\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.50 678.62 Td (*10.4.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.00 662.17 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 690.8333984374999 m 560.5009765625 690.8333984374999 l s q 0 0 1 rg BT 151.00 692.17 Td (Revised ) Tj ET Q q 0 0 1 rg BT 185.05 692.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 208.55 692.17 Td (of ) Tj ET Q q 0 0 1 rg BT 218.71 692.17 Td (Restricted ) Tj ET Q q 0 0 1 rg BT 261.09 692.17 Td (Stock ) Tj ET Q q 0 0 1 rg BT 285.29 692.17 Td (A) Tj ET Q q 0 0 1 rg BT 291.60 692.17 Td (ward ) Tj ET Q q 0 0 1 rg BT 313.02 692.17 Td (Agreement ) Tj ET Q q 0 0 1 rg BT 359.27 692.17 Td (under ) Tj ET Q q 0 0 1 rg BT 383.87 692.17 Td (the ) Tj ET Q q 0 0 1 rg BT 397.92 692.17 Td (201) Tj ET Q q 0 0 1 rg BT 412.55 692.17 Td (1 ) Tj ET Q q 0 0 1 rg BT 419.38 692.17 Td (Non-Employee ) Tj ET Q q 0 0 1 rg BT 482.31 692.17 Td (Director ) Tj ET Q q 0 0 1 rg BT 517.46 692.17 Td (Restricted ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 680.8333984374999 m 560.4970703125 680.8333984374999 l s q 0 0 1 rg BT 151.00 682.17 Td (Stock ) Tj ET Q q 0 0 1 rg BT 177.12 682.17 Td (Plan ) Tj ET Q q 0 0 1 rg BT 198.25 682.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 255.45 682.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 283.78 682.17 Td (by ) Tj ET Q q 0 0 1 rg BT 297.13 682.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 337.66 682.17 Td (to ) Tj ET Q q 0 0 1 rg BT 348.78 682.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 381.57 682.17 Td (10.1 ) Tj ET Q q 0 0 1 rg BT 402.41 682.17 Td (to ) Tj ET Q q 0 0 1 rg BT 413.53 682.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 438.55 682.17 Td (10-Q ) Tj ET Q q 0 0 1 rg BT 462.45 682.17 Td (for ) Tj ET Q q 0 0 1 rg BT 477.45 682.17 Td (the ) Tj ET Q q 0 0 1 rg BT 493.01 682.17 Td (quarterly ) Tj ET Q q 0 0 1 rg BT 532.45 682.17 Td (period ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 670.8333984374999 m 560.50439453125 670.8333984374999 l s q 0 0 1 rg BT 151.00 672.17 Td (ended ) Tj ET Q q 0 0 1 rg BT 176.92 672.17 Td (April ) Tj ET Q q 0 0 1 rg BT 200.65 672.17 Td (30, ) Tj ET Q q 0 0 1 rg BT 215.77 672.17 Td (2015 ) Tj ET Q q 0 0 1 rg BT 238.39 672.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 259.90 672.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 277.24 672.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 326.52 672.17 Td (as ) Tj ET Q q 0 0 1 rg BT 337.47 672.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 358.42 672.17 Td (with ) Tj ET Q q 0 0 1 rg BT 378.82 672.17 Td (the ) Tj ET Q q 0 0 1 rg BT 393.66 672.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 435.71 672.17 Td (and ) Tj ET Q q 0 0 1 rg BT 452.77 672.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 494.82 672.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 548.00 672.17 Td (on ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 660.8333984374999 m 205.16015625 660.8333984374999 l s q 0 0 1 rg BT 151.00 662.17 Td (June ) Tj ET Q q 0 0 1 rg BT 171.83 662.17 Td (2, ) Tj ET Q q 0 0 1 rg BT 181.83 662.17 Td (2015\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.50 631.12 Td (*10.4.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.00 614.17 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 642.8333984374999 m 560.5 642.8333984374999 l s q 0 0 1 rg BT 151.00 644.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 177.55 644.17 Td (of ) Tj ET Q q 0 0 1 rg BT 190.76 644.17 Td (Deferral ) Tj ET Q q 0 0 1 rg BT 228.95 644.17 Td (Election ) Tj ET Q q 0 0 1 rg BT 267.15 644.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 293.71 644.17 Td (under ) Tj ET Q q 0 0 1 rg BT 321.36 644.17 Td (the ) Tj ET Q q 0 0 1 rg BT 338.45 644.17 Td (201) Tj ET Q q 0 0 1 rg BT 353.08 644.17 Td (1 ) Tj ET Q q 0 0 1 rg BT 362.96 644.17 Td (Non-Employee ) Tj ET Q q 0 0 1 rg BT 428.94 644.17 Td (Director ) Tj ET Q q 0 0 1 rg BT 467.14 644.17 Td (Restricted ) Tj ET Q q 0 0 1 rg BT 512.56 644.17 Td (Stock ) Tj ET Q q 0 0 1 rg BT 540.22 644.17 Td (Plan ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 632.8333984374999 m 560.51171875 632.8333984374999 l s q 0 0 1 rg BT 151.00 634.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 207.22 634.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 234.56 634.17 Td (by ) Tj ET Q q 0 0 1 rg BT 246.92 634.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 286.45 634.17 Td (to ) Tj ET Q q 0 0 1 rg BT 296.59 634.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 328.39 634.17 Td (10.3 ) Tj ET Q q 0 0 1 rg BT 348.24 634.17 Td (to ) Tj ET Q q 0 0 1 rg BT 358.38 634.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 382.40 634.17 Td (10-Q ) Tj ET Q q 0 0 1 rg BT 405.31 634.17 Td (for ) Tj ET Q q 0 0 1 rg BT 419.33 634.17 Td (the ) Tj ET Q q 0 0 1 rg BT 433.90 634.17 Td (quarterly ) Tj ET Q q 0 0 1 rg BT 472.35 634.17 Td (period ) Tj ET Q q 0 0 1 rg BT 500.25 634.17 Td (ended ) Tj ET Q q 0 0 1 rg BT 526.49 634.17 Td (July ) Tj ET Q q 0 0 1 rg BT 545.51 634.17 Td (31, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 622.8333984374999 m 560.5029296875 622.8333984374999 l s q 0 0 1 rg BT 151.00 624.17 Td (2013 ) Tj ET Q q 0 0 1 rg BT 174.28 624.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 196.45 624.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 214.46 624.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 264.40 624.17 Td (as ) Tj ET Q q 0 0 1 rg BT 276.01 624.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 297.62 624.17 Td (with ) Tj ET Q q 0 0 1 rg BT 318.68 624.17 Td (the ) Tj ET Q q 0 0 1 rg BT 334.18 624.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 376.90 624.17 Td (and ) Tj ET Q q 0 0 1 rg BT 394.62 624.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 437.32 624.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 491.17 624.17 Td (on ) Tj ET Q q 0 0 1 rg BT 504.46 624.17 Td (September ) Tj ET Q q 0 0 1 rg BT 550.50 624.17 Td (5, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 612.8333984374999 m 174.330078125 612.8333984374999 l s q 0 0 1 rg BT 151.00 614.17 Td (2013\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.50 589.62 Td (*10.4.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.00 579.17 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 597.8333984374999 m 560.50927734375 597.8333984374999 l s q 0 0 1 rg BT 151.00 599.17 Td (Revised ) Tj ET Q q 0 0 1 rg BT 185.25 599.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 208.94 599.17 Td (of ) Tj ET Q q 0 0 1 rg BT 219.30 599.17 Td (Deferral ) Tj ET Q q 0 0 1 rg BT 254.64 599.17 Td (Election ) Tj ET Q q 0 0 1 rg BT 289.99 599.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 313.69 599.17 Td (under ) Tj ET Q q 0 0 1 rg BT 338.48 599.17 Td (the ) Tj ET Q q 0 0 1 rg BT 352.73 599.17 Td (201) Tj ET Q q 0 0 1 rg BT 367.36 599.17 Td (1 ) Tj ET Q q 0 0 1 rg BT 374.39 599.17 Td (Non-Employee ) Tj ET Q q 0 0 1 rg BT 437.51 599.17 Td (Director ) Tj ET Q q 0 0 1 rg BT 472.85 599.17 Td (Restricted ) Tj ET Q q 0 0 1 rg BT 515.42 599.17 Td (Stock ) Tj ET Q q 0 0 1 rg BT 540.23 599.17 Td (Plan ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 587.8333984374999 m 560.5009765625 587.8333984374999 l s q 0 0 1 rg BT 151.00 589.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 206.97 589.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 234.06 589.17 Td (by ) Tj ET Q q 0 0 1 rg BT 246.17 589.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 285.46 589.17 Td (to ) Tj ET Q q 0 0 1 rg BT 295.34 589.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 326.89 589.17 Td (10.2 ) Tj ET Q q 0 0 1 rg BT 346.50 589.17 Td (to ) Tj ET Q q 0 0 1 rg BT 356.39 589.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 380.16 589.17 Td (10-Q ) Tj ET Q q 0 0 1 rg BT 402.82 589.17 Td (for ) Tj ET Q q 0 0 1 rg BT 416.59 589.17 Td (the ) Tj ET Q q 0 0 1 rg BT 430.91 589.17 Td (quarterly ) Tj ET Q q 0 0 1 rg BT 469.11 589.17 Td (period ) Tj ET Q q 0 0 1 rg BT 496.77 589.17 Td (ended ) Tj ET Q q 0 0 1 rg BT 522.29 589.17 Td (April ) Tj ET Q q 0 0 1 rg BT 545.50 589.17 Td (30, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 577.8333984374999 m 548.44140625 577.8333984374999 l s q 0 0 1 rg BT 151.00 579.17 Td (2015 ) Tj ET Q q 0 0 1 rg BT 173.50 579.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 194.89 579.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 212.11 579.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 261.27 579.17 Td (as ) Tj ET Q q 0 0 1 rg BT 272.10 579.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 292.92 579.17 Td (with ) Tj ET Q q 0 0 1 rg BT 313.20 579.17 Td (the ) Tj ET Q q 0 0 1 rg BT 327.92 579.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 369.85 579.17 Td (and ) Tj ET Q q 0 0 1 rg BT 386.79 579.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 428.71 579.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 481.78 579.17 Td (on ) Tj ET Q q 0 0 1 rg BT 494.28 579.17 Td (June ) Tj ET Q q 0 0 1 rg BT 515.11 579.17 Td (2, ) Tj ET Q q 0 0 1 rg BT 525.11 579.17 Td (2015\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.00 556.12 Td (* 10.5) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 563.7333984375 m 554.5009765625 563.7333984375 l s q 0 0 1 rg BT 151.00 565.07 Td (2016 Omnibus Stock Incentive Plan \(incorporated herein by reference to Exhibit 99.1 to registration ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 553.7333984375 m 557.7919921875 553.7333984375 l s q 0 0 1 rg BT 151.00 555.07 Td (statement on Form S-8 \(File No. 333-21) Tj ET Q q 0 0 1 rg BT 311.45 555.07 Td (1584\) as filed with the Securities and Exchange Commission ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 543.7833984375 m 222.66015625 543.7833984375 l s q 0 0 1 rg BT 151.00 545.12 Td (on May 25, 2016\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.50 518.12 Td (*10.5.1) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 531.7333984375 m 560.50830078125 531.7333984375 l s q 0 0 1 rg BT 151.00 533.07 Td (Form ) Tj ET Q q 0 0 1 rg BT 175.27 533.07 Td (of ) Tj ET Q q 0 0 1 rg BT 186.21 533.07 Td (Restricted ) Tj ET Q q 0 0 1 rg BT 229.35 533.07 Td (Stock ) Tj ET Q q 0 0 1 rg BT 254.73 533.07 Td (Unit ) Tj ET Q q 0 0 1 rg BT 274.54 533.07 Td (A) Tj ET Q q 0 0 1 rg BT 280.84 533.07 Td (ward ) Tj ET Q q 0 0 1 rg BT 302.86 533.07 Td (Agreement ) Tj ET Q q 0 0 1 rg BT 349.89 533.07 Td (\(T) Tj ET Q q 0 0 1 rg BT 358.97 533.07 Td (ime-based ) Tj ET Q q 0 0 1 rg BT 402.67 533.07 Td (and ) Tj ET Q q 0 0 1 rg BT 419.71 533.07 Td (Performance-based ) Tj ET Q q 0 0 1 rg BT 499.31 533.07 Td (V) Tj ET Q q 0 0 1 rg BT 505.42 533.07 Td (esting\) ) Tj ET Q q 0 0 1 rg BT 535.24 533.07 Td (under ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 521.7333984375 m 558.001953125 521.7333984375 l s q 0 0 1 rg BT 151.00 523.07 Td (the ) Tj ET Q q 0 0 1 rg BT 165.67 523.07 Td (2016 ) Tj ET Q q 0 0 1 rg BT 188.13 523.07 Td (Omnibus ) Tj ET Q q 0 0 1 rg BT 227.25 523.07 Td (Stock ) Tj ET Q q 0 0 1 rg BT 252.49 523.07 Td (Incentive ) Tj ET Q q 0 0 1 rg BT 292.14 523.07 Td (Plan ) Tj ET Q q 0 0 1 rg BT 312.38 523.07 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 368.69 523.07 Td (herein ) Tj ET Q q 0 0 1 rg BT 396.13 523.07 Td (by ) Tj ET Q q 0 0 1 rg BT 408.59 523.07 Td (reference ) Tj ET Q q 0 0 1 rg BT 448.23 523.07 Td (to ) Tj ET Q q 0 0 1 rg BT 458.46 523.07 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 490.36 523.07 Td (10.4 ) Tj ET Q q 0 0 1 rg BT 510.31 523.07 Td (to ) Tj ET Q q 0 0 1 rg BT 520.55 523.07 Td (Form ) Tj ET Q q 0 0 1 rg BT 544.67 523.07 Td (10-) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 511.7333984375 m 560.50439453125 511.7333984375 l s q 0 0 1 rg BT 151.00 513.07 Td (Q ) Tj ET Q q 0 0 1 rg BT 161.19 513.07 Td (for ) Tj ET Q q 0 0 1 rg BT 175.81 513.07 Td (the ) Tj ET Q q 0 0 1 rg BT 191.00 513.07 Td (quarterly ) Tj ET Q q 0 0 1 rg BT 230.06 513.07 Td (period ) Tj ET Q q 0 0 1 rg BT 258.57 513.07 Td (ended ) Tj ET Q q 0 0 1 rg BT 285.41 513.07 Td (July ) Tj ET Q q 0 0 1 rg BT 305.05 513.07 Td (31, ) Tj ET Q q 0 0 1 rg BT 320.52 513.07 Td (2016 ) Tj ET Q q 0 0 1 rg BT 343.48 513.07 Td (\(File ) Tj ET Q q 0 0 1 rg BT 365.34 513.07 Td (No. ) Tj ET Q q 0 0 1 rg BT 383.02 513.07 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 432.65 513.07 Td (as ) Tj ET Q q 0 0 1 rg BT 443.95 513.07 Td (filed ) Tj ET Q q 0 0 1 rg BT 465.24 513.07 Td (with ) Tj ET Q q 0 0 1 rg BT 485.98 513.07 Td (the ) Tj ET Q q 0 0 1 rg BT 501.17 513.07 Td (Securities ) Tj ET Q q 0 0 1 rg BT 543.57 513.07 Td (and ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 501.7333984375 m 337.083984375 501.7333984375 l s q 0 0 1 rg BT 151.00 503.07 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 192.92 503.07 Td (Commission ) Tj ET Q q 0 0 1 rg BT 245.99 503.07 Td (on ) Tj ET Q q 0 0 1 rg BT 258.49 503.07 Td (September ) Tj ET Q q 0 0 1 rg BT 303.75 503.07 Td (8, ) Tj ET Q q 0 0 1 rg BT 313.75 503.07 Td (2016\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.50 472.12 Td (*10.5.2) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 483.8333984374999 m 560.50830078125 483.8333984374999 l s q 0 0 1 rg BT 151.00 485.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 174.93 485.17 Td (of ) Tj ET Q q 0 0 1 rg BT 185.52 485.17 Td (Restricted ) Tj ET Q q 0 0 1 rg BT 228.32 485.17 Td (Stock ) Tj ET Q q 0 0 1 rg BT 253.35 485.17 Td (Unit ) Tj ET Q q 0 0 1 rg BT 272.89 485.17 Td (A) Tj ET Q q 0 0 1 rg BT 279.20 485.17 Td (ward ) Tj ET Q q 0 0 1 rg BT 300.95 485.17 Td (Agreement ) Tj ET Q q 0 0 1 rg BT 347.63 485.17 Td (\(T) Tj ET Q q 0 0 1 rg BT 356.71 485.17 Td (ime-based ) Tj ET Q q 0 0 1 rg BT 400.07 485.17 Td (vesting\) ) Tj ET Q q 0 0 1 rg BT 434.54 485.17 Td (under ) Tj ET Q q 0 0 1 rg BT 459.57 485.17 Td (the ) Tj ET Q q 0 0 1 rg BT 474.04 485.17 Td (2016 ) Tj ET Q q 0 0 1 rg BT 496.30 485.17 Td (Omnibus ) Tj ET Q q 0 0 1 rg BT 535.23 485.17 Td (Stock ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 473.8333984374999 m 560.51416015625 473.8333984374999 l s q 0 0 1 rg BT 151.00 475.17 Td (Incentive ) Tj ET Q q 0 0 1 rg BT 190.59 475.17 Td (Plan ) Tj ET Q q 0 0 1 rg BT 210.75 475.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 267.00 475.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 294.37 475.17 Td (by ) Tj ET Q q 0 0 1 rg BT 306.75 475.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 346.32 475.17 Td (to ) Tj ET Q q 0 0 1 rg BT 356.48 475.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 388.31 475.17 Td (10.5 ) Tj ET Q q 0 0 1 rg BT 408.19 475.17 Td (to ) Tj ET Q q 0 0 1 rg BT 418.35 475.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 442.41 475.17 Td (10-Q ) Tj ET Q q 0 0 1 rg BT 465.34 475.17 Td (for ) Tj ET Q q 0 0 1 rg BT 479.39 475.17 Td (the ) Tj ET Q q 0 0 1 rg BT 493.99 475.17 Td (quarterly ) Tj ET Q q 0 0 1 rg BT 532.47 475.17 Td (period ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 463.8333984374999 m 560.50439453125 463.8333984374999 l s q 0 0 1 rg BT 151.00 465.17 Td (ended ) Tj ET Q q 0 0 1 rg BT 177.76 465.17 Td (July ) Tj ET Q q 0 0 1 rg BT 197.30 465.17 Td (31, ) Tj ET Q q 0 0 1 rg BT 212.68 465.17 Td (2016 ) Tj ET Q q 0 0 1 rg BT 235.56 465.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 257.33 465.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 274.93 465.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 324.46 465.17 Td (as ) Tj ET Q q 0 0 1 rg BT 335.67 465.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 356.88 465.17 Td (with ) Tj ET Q q 0 0 1 rg BT 377.53 465.17 Td (the ) Tj ET Q q 0 0 1 rg BT 392.63 465.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 434.94 465.17 Td (and ) Tj ET Q q 0 0 1 rg BT 452.26 465.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 494.56 465.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 548.00 465.17 Td (on ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 453.8333984374999 m 229.59375 453.8333984374999 l s q 0 0 1 rg BT 151.00 455.17 Td (September ) Tj ET Q q 0 0 1 rg BT 196.26 455.17 Td (8, ) Tj ET Q q 0 0 1 rg BT 206.26 455.17 Td (2016\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.50 423.12 Td (*10.5.3) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 433.8333984374999 m 560.49951171875 433.8333984374999 l s q 0 0 1 rg BT 151.00 435.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 174.24 435.17 Td (of ) Tj ET Q q 0 0 1 rg BT 184.14 435.17 Td (Performance-Based ) Tj ET Q q 0 0 1 rg BT 264.56 435.17 Td (Restricted ) Tj ET Q q 0 0 1 rg BT 306.67 435.17 Td (Stock ) Tj ET Q q 0 0 1 rg BT 331.02 435.17 Td (Unit ) Tj ET Q q 0 0 1 rg BT 350.02 435.17 Td (A) Tj ET Q q 0 0 1 rg BT 356.33 435.17 Td (ward ) Tj ET Q q 0 0 1 rg BT 377.54 435.17 Td (Agreement ) Tj ET Q q 0 0 1 rg BT 423.53 435.17 Td (relating ) Tj ET Q q 0 0 1 rg BT 455.65 435.17 Td (to ) Tj ET Q q 0 0 1 rg BT 464.99 435.17 Td (fiscal ) Tj ET Q q 0 0 1 rg BT 488.22 435.17 Td (year ) Tj ET Q q 0 0 1 rg BT 507.00 435.17 Td (2017 ) Tj ET Q q 0 0 1 rg BT 528.57 435.17 Td (Special ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 423.8333984374999 m 560.4970703125 423.8333984374999 l s q 0 0 1 rg BT 151.00 425.17 Td (Equity ) Tj ET Q q 0 0 1 rg BT 180.53 425.17 Td (A) Tj ET Q q 0 0 1 rg BT 186.83 425.17 Td (wards ) Tj ET Q q 0 0 1 rg BT 214.38 425.17 Td (under ) Tj ET Q q 0 0 1 rg BT 240.82 425.17 Td (the ) Tj ET Q q 0 0 1 rg BT 256.71 425.17 Td (2016 ) Tj ET Q q 0 0 1 rg BT 280.38 425.17 Td (Omnibus ) Tj ET Q q 0 0 1 rg BT 320.73 425.17 Td (Stock ) Tj ET Q q 0 0 1 rg BT 347.18 425.17 Td (Incentive ) Tj ET Q q 0 0 1 rg BT 388.05 425.17 Td (Plan ) Tj ET Q q 0 0 1 rg BT 409.50 425.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 467.04 425.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 495.69 425.17 Td (by ) Tj ET Q q 0 0 1 rg BT 509.36 425.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 550.22 425.17 Td (to ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 413.8333984374999 m 560.50439453125 413.8333984374999 l s q 0 0 1 rg BT 151.00 415.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 182.33 415.17 Td (10.5.3 ) Tj ET Q q 0 0 1 rg BT 209.22 415.17 Td (to ) Tj ET Q q 0 0 1 rg BT 218.88 415.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 242.44 415.17 Td (10-K ) Tj ET Q q 0 0 1 rg BT 264.88 415.17 Td (for ) Tj ET Q q 0 0 1 rg BT 278.43 415.17 Td (the ) Tj ET Q q 0 0 1 rg BT 292.53 415.17 Td (annual ) Tj ET Q q 0 0 1 rg BT 321.07 415.17 Td (period ) Tj ET Q q 0 0 1 rg BT 348.51 415.17 Td (ended ) Tj ET Q q 0 0 1 rg BT 374.27 415.17 Td (January ) Tj ET Q q 0 0 1 rg BT 407.26 415.17 Td (31, ) Tj ET Q q 0 0 1 rg BT 421.64 415.17 Td (2017 ) Tj ET Q q 0 0 1 rg BT 443.53 415.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 464.31 415.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 480.91 415.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 529.46 415.17 Td (as ) Tj ET Q q 0 0 1 rg BT 539.68 415.17 Td (filed ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 403.8333984374999 m 408.744140625 403.8333984374999 l s q 0 0 1 rg BT 151.00 405.17 Td (with ) Tj ET Q q 0 0 1 rg BT 171.28 405.17 Td (the ) Tj ET Q q 0 0 1 rg BT 186.00 405.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 227.93 405.17 Td (and ) Tj ET Q q 0 0 1 rg BT 244.87 405.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 286.79 405.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 339.86 405.17 Td (on ) Tj ET Q q 0 0 1 rg BT 351.81 405.17 Td (April ) Tj ET Q q 0 0 1 rg BT 375.41 405.17 Td (4, ) Tj ET Q q 0 0 1 rg BT 385.41 405.17 Td (2017\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.50 372.62 Td (*10.5.4) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 382.8333984374999 m 560.49609375 382.8333984374999 l s q 0 0 1 rg BT 151.00 384.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 175.80 384.17 Td (of ) Tj ET Q q 0 0 1 rg BT 187.25 384.17 Td (Restricted ) Tj ET Q q 0 0 1 rg BT 230.92 384.17 Td (Stock ) Tj ET Q q 0 0 1 rg BT 256.83 384.17 Td (Unit ) Tj ET Q q 0 0 1 rg BT 277.05 384.17 Td (A) Tj ET Q q 0 0 1 rg BT 283.35 384.17 Td (ward ) Tj ET Q q 0 0 1 rg BT 305.78 384.17 Td (Agreement ) Tj ET Q q 0 0 1 rg BT 353.33 384.17 Td (relating ) Tj ET Q q 0 0 1 rg BT 387.00 384.17 Td (to ) Tj ET Q q 0 0 1 rg BT 397.90 384.17 Td (fiscal ) Tj ET Q q 0 0 1 rg BT 422.69 384.17 Td (year ) Tj ET Q q 0 0 1 rg BT 443.02 384.17 Td (2017 ) Tj ET Q q 0 0 1 rg BT 466.15 384.17 Td (Special ) Tj ET Q q 0 0 1 rg BT 498.71 384.17 Td (Equity ) Tj ET Q q 0 0 1 rg BT 527.81 384.17 Td (A) Tj ET Q q 0 0 1 rg BT 534.11 384.17 Td (wards ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 372.8333984374999 m 560.5068359375 372.8333984374999 l s q 0 0 1 rg BT 151.00 374.17 Td (under ) Tj ET Q q 0 0 1 rg BT 176.74 374.17 Td (the ) Tj ET Q q 0 0 1 rg BT 191.92 374.17 Td (2016 ) Tj ET Q q 0 0 1 rg BT 214.89 374.17 Td (Omnibus ) Tj ET Q q 0 0 1 rg BT 254.53 374.17 Td (Stock ) Tj ET Q q 0 0 1 rg BT 280.28 374.17 Td (Incentive ) Tj ET Q q 0 0 1 rg BT 320.45 374.17 Td (Plan ) Tj ET Q q 0 0 1 rg BT 341.20 374.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 398.03 374.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 425.98 374.17 Td (by ) Tj ET Q q 0 0 1 rg BT 438.95 374.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 479.10 374.17 Td (to ) Tj ET Q q 0 0 1 rg BT 489.85 374.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 522.26 374.17 Td (10.5.4 ) Tj ET Q q 0 0 1 rg BT 550.23 374.17 Td (to ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 362.8333984374999 m 560.5146484375 362.8333984374999 l s q 0 0 1 rg BT 151.00 364.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 174.13 364.17 Td (10-K ) Tj ET Q q 0 0 1 rg BT 196.15 364.17 Td (for ) Tj ET Q q 0 0 1 rg BT 209.27 364.17 Td (the ) Tj ET Q q 0 0 1 rg BT 222.95 364.17 Td (annual ) Tj ET Q q 0 0 1 rg BT 251.07 364.17 Td (period ) Tj ET Q q 0 0 1 rg BT 278.08 364.17 Td (ended ) Tj ET Q q 0 0 1 rg BT 303.42 364.17 Td (January ) Tj ET Q q 0 0 1 rg BT 335.99 364.17 Td (31, ) Tj ET Q q 0 0 1 rg BT 349.95 364.17 Td (2017 ) Tj ET Q q 0 0 1 rg BT 371.42 364.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 391.77 364.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 407.95 364.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 456.08 364.17 Td (as ) Tj ET Q q 0 0 1 rg BT 465.87 364.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 485.66 364.17 Td (with ) Tj ET Q q 0 0 1 rg BT 504.90 364.17 Td (the ) Tj ET Q q 0 0 1 rg BT 518.58 364.17 Td (Securities ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 352.8333984374999 m 331.8154296875 352.8333984374999 l s q 0 0 1 rg BT 151.00 354.17 Td (and ) Tj ET Q q 0 0 1 rg BT 167.94 354.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 209.86 354.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 262.93 354.17 Td (on ) Tj ET Q q 0 0 1 rg BT 274.88 354.17 Td (April ) Tj ET Q q 0 0 1 rg BT 298.49 354.17 Td (4, ) Tj ET Q q 0 0 1 rg BT 308.49 354.17 Td (2017\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.00 329.62 Td (* 10.6) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 337.8333984374999 m 560.50146484375 337.8333984374999 l s q 0 0 1 rg BT 151.00 339.17 Td (Employee ) Tj ET Q q 0 0 1 rg BT 192.88 339.17 Td (Stock ) Tj ET Q q 0 0 1 rg BT 217.00 339.17 Td (Purchase ) Tj ET Q q 0 0 1 rg BT 254.44 339.17 Td (Plan ) Tj ET Q q 0 0 1 rg BT 273.55 339.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 328.76 339.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 355.08 339.17 Td (by ) Tj ET Q q 0 0 1 rg BT 366.42 339.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 404.94 339.17 Td (to ) Tj ET Q q 0 0 1 rg BT 414.06 339.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 444.84 339.17 Td (10.3 ) Tj ET Q q 0 0 1 rg BT 463.68 339.17 Td (to ) Tj ET Q q 0 0 1 rg BT 472.80 339.17 Td (registration ) Tj ET Q q 0 0 1 rg BT 519.68 339.17 Td (statement ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 327.8333984374999 m 560.5166015625 327.8333984374999 l s q 0 0 1 rg BT 151.00 329.17 Td (on ) Tj ET Q q 0 0 1 rg BT 162.53 329.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 185.72 329.17 Td (S-1 ) Tj ET Q q 0 0 1 rg BT 201.14 329.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 221.56 329.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 237.81 329.17 Td (333-109046\) ) Tj ET Q q 0 0 1 rg BT 290.99 329.17 Td (as ) Tj ET Q q 0 0 1 rg BT 300.85 329.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 320.70 329.17 Td (with ) Tj ET Q q 0 0 1 rg BT 340.01 329.17 Td (the ) Tj ET Q q 0 0 1 rg BT 353.75 329.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 394.71 329.17 Td (and ) Tj ET Q q 0 0 1 rg BT 410.68 329.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 451.63 329.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 503.73 329.17 Td (on ) Tj ET Q q 0 0 1 rg BT 515.25 329.17 Td (September ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 317.8333984374999 m 189.330078125 317.8333984374999 l s q 0 0 1 rg BT 151.00 319.17 Td (23, ) Tj ET Q q 0 0 1 rg BT 166.00 319.17 Td (2003\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.00 294.62 Td (* 10.7) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 302.8333984374999 m 519.9306640625 302.8333984374999 l s q 0 0 1 rg BT 151.00 304.17 Td (Conn's 401\(k\) Retirement Savings Plan \(incorporated herein by reference to Exhibit 10.4 to ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 292.8333984374999 m 553.138671875 292.8333984374999 l s q 0 0 1 rg BT 151.00 294.17 Td (registration statement on Form S-1 \(File No. 333-109046\) as filed with the Securities and Exchange ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 282.8333984374999 m 300.16015625 282.8333984374999 l s q 0 0 1 rg BT 151.00 284.17 Td (Commission on September 23, 2003\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.00 251.12 Td (* 10.8) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 260.8333984374999 m 560.498046875 260.8333984374999 l s q 0 0 1 rg BT 151.00 262.17 Td (Executive ) Tj ET Q q 0 0 1 rg BT 195.28 262.17 Td (Severance ) Tj ET Q q 0 0 1 rg BT 239.71 262.17 Td (Agreement ) Tj ET Q q 0 0 1 rg BT 288.43 262.17 Td (by ) Tj ET Q q 0 0 1 rg BT 302.73 262.17 Td (and ) Tj ET Q q 0 0 1 rg BT 321.47 262.17 Td (between ) Tj ET Q q 0 0 1 rg BT 359.08 262.17 Td (Michael ) Tj ET Q q 0 0 1 rg BT 396.14 262.17 Td (J. ) Tj ET Q q 0 0 1 rg BT 406.83 262.17 Td (Poppe ) Tj ET Q q 0 0 1 rg BT 436.13 262.17 Td (and ) Tj ET Q q 0 0 1 rg BT 454.86 262.17 Td (Conn's, ) Tj ET Q q 0 0 1 rg BT 489.02 262.17 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 511.09 262.17 Td (dated ) Tj ET Q q 0 0 1 rg BT 537.04 262.17 Td (as ) Tj ET Q q 0 0 1 rg BT 549.67 262.17 Td (of ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 250.8333984374999 m 560.49951171875 250.8333984374999 l s q 0 0 1 rg BT 151.00 252.17 Td (September ) Tj ET Q q 0 0 1 rg BT 196.86 252.17 Td (1, ) Tj ET Q q 0 0 1 rg BT 207.45 252.17 Td (201) Tj ET Q q 0 0 1 rg BT 222.08 252.17 Td (1 ) Tj ET Q q 0 0 1 rg BT 230.17 252.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 287.12 252.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 315.20 252.17 Td (by ) Tj ET Q q 0 0 1 rg BT 328.29 252.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 368.57 252.17 Td (to ) Tj ET Q q 0 0 1 rg BT 379.44 252.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 411.98 252.17 Td (10.9 ) Tj ET Q q 0 0 1 rg BT 432.57 252.17 Td (to ) Tj ET Q q 0 0 1 rg BT 443.44 252.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 468.20 252.17 Td (10-Q ) Tj ET Q q 0 0 1 rg BT 491.84 252.17 Td (for ) Tj ET Q q 0 0 1 rg BT 506.60 252.17 Td (the ) Tj ET Q q 0 0 1 rg BT 521.91 252.17 Td (quarterly ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 240.8333984374999 m 560.50439453125 240.8333984374999 l s q 0 0 1 rg BT 151.00 242.17 Td (period ) Tj ET Q q 0 0 1 rg BT 178.41 242.17 Td (ended ) Tj ET Q q 0 0 1 rg BT 204.16 242.17 Td (July ) Tj ET Q q 0 0 1 rg BT 222.69 242.17 Td (31, ) Tj ET Q q 0 0 1 rg BT 237.06 242.17 Td (201) Tj ET Q q 0 0 1 rg BT 251.69 242.17 Td (1 ) Tj ET Q q 0 0 1 rg BT 258.56 242.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 279.31 242.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 295.90 242.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 344.42 242.17 Td (as ) Tj ET Q q 0 0 1 rg BT 354.62 242.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 374.81 242.17 Td (with ) Tj ET Q q 0 0 1 rg BT 394.46 242.17 Td (the ) Tj ET Q q 0 0 1 rg BT 408.54 242.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 449.84 242.17 Td (and ) Tj ET Q q 0 0 1 rg BT 466.15 242.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 507.44 242.17 Td (Commission ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 230.8333984374999 m 241.72265625 230.8333984374999 l s q 0 0 1 rg BT 151.00 232.17 Td (on ) Tj ET Q q 0 0 1 rg BT 163.50 232.17 Td (September ) Tj ET Q q 0 0 1 rg BT 208.76 232.17 Td (9, ) Tj ET Q q 0 0 1 rg BT 218.76 232.17 Td (201) Tj ET Q q 0 0 1 rg BT 233.39 232.17 Td (1\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.25 202.62 Td (* 10.8.1) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 215.8333984374999 m 560.5078125 215.8333984374999 l s q 0 0 1 rg BT 151.00 217.17 Td (Amendment ) Tj ET Q q 0 0 1 rg BT 203.59 217.17 Td (to ) Tj ET Q q 0 0 1 rg BT 214.52 217.17 Td (Executive ) Tj ET Q q 0 0 1 rg BT 257.66 217.17 Td (Severance ) Tj ET Q q 0 0 1 rg BT 301.20 217.17 Td (Agreement ) Tj ET Q q 0 0 1 rg BT 348.78 217.17 Td (by ) Tj ET Q q 0 0 1 rg BT 361.94 217.17 Td (and ) Tj ET Q q 0 0 1 rg BT 379.53 217.17 Td (between ) Tj ET Q q 0 0 1 rg BT 416.00 217.17 Td (Michael ) Tj ET Q q 0 0 1 rg BT 451.92 217.17 Td (J. ) Tj ET Q q 0 0 1 rg BT 461.47 217.17 Td (Poppe ) Tj ET Q q 0 0 1 rg BT 489.63 217.17 Td (and ) Tj ET Q q 0 0 1 rg BT 507.22 217.17 Td (Conn's, ) Tj ET Q q 0 0 1 rg BT 540.24 217.17 Td (Inc., ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 205.8333984374999 m 560.5 205.8333984374999 l s q 0 0 1 rg BT 151.00 207.17 Td (dated ) Tj ET Q q 0 0 1 rg BT 175.33 207.17 Td (as ) Tj ET Q q 0 0 1 rg BT 186.33 207.17 Td (of ) Tj ET Q q 0 0 1 rg BT 197.34 207.17 Td (December ) Tj ET Q q 0 0 1 rg BT 241.10 207.17 Td (3, ) Tj ET Q q 0 0 1 rg BT 251.27 207.17 Td (2013 ) Tj ET Q q 0 0 1 rg BT 273.95 207.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 330.49 207.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 358.15 207.17 Td (by ) Tj ET Q q 0 0 1 rg BT 370.82 207.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 410.68 207.17 Td (to ) Tj ET Q q 0 0 1 rg BT 421.13 207.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 453.25 207.17 Td (10.2 ) Tj ET Q q 0 0 1 rg BT 473.42 207.17 Td (to ) Tj ET Q q 0 0 1 rg BT 483.88 207.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 508.22 207.17 Td (10-Q ) Tj ET Q q 0 0 1 rg BT 531.45 207.17 Td (for ) Tj ET Q q 0 0 1 rg BT 545.78 207.17 Td (the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 195.8333984374999 m 560.51171875 195.8333984374999 l s q 0 0 1 rg BT 151.00 197.17 Td (quarterly ) Tj ET Q q 0 0 1 rg BT 188.87 197.17 Td (period ) Tj ET Q q 0 0 1 rg BT 216.18 197.17 Td (ended ) Tj ET Q q 0 0 1 rg BT 241.83 197.17 Td (October ) Tj ET Q q 0 0 1 rg BT 275.81 197.17 Td (31, ) Tj ET Q q 0 0 1 rg BT 290.08 197.17 Td (2013 ) Tj ET Q q 0 0 1 rg BT 311.85 197.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 332.51 197.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 349.00 197.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 397.44 197.17 Td (as ) Tj ET Q q 0 0 1 rg BT 407.54 197.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 427.63 197.17 Td (with ) Tj ET Q q 0 0 1 rg BT 447.18 197.17 Td (the ) Tj ET Q q 0 0 1 rg BT 461.17 197.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 502.38 197.17 Td (and ) Tj ET Q q 0 0 1 rg BT 518.59 197.17 Td (Exchange ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 185.8333984374999 m 293.48046875 185.8333984374999 l s q 0 0 1 rg BT 151.00 187.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 204.07 187.17 Td (on ) Tj ET Q q 0 0 1 rg BT 216.57 187.17 Td (December ) Tj ET Q q 0 0 1 rg BT 260.15 187.17 Td (6, ) Tj ET Q q 0 0 1 rg BT 270.15 187.17 Td (2013\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.25 157.62 Td (* 10.8.2) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 170.8333984374999 m 560.50048828125 170.8333984374999 l s q 0 0 1 rg BT 151.00 172.17 Td (Second ) Tj ET Q q 0 0 1 rg BT 182.16 172.17 Td (Amendment ) Tj ET Q q 0 0 1 rg BT 233.79 172.17 Td (to ) Tj ET Q q 0 0 1 rg BT 243.77 172.17 Td (Executive ) Tj ET Q q 0 0 1 rg BT 285.96 172.17 Td (Severance ) Tj ET Q q 0 0 1 rg BT 328.76 172.17 Td (Agreement ) Tj ET Q q 0 0 1 rg BT 375.39 172.17 Td (by ) Tj ET Q q 0 0 1 rg BT 387.59 172.17 Td (and ) Tj ET Q q 0 0 1 rg BT 404.23 172.17 Td (between ) Tj ET Q q 0 0 1 rg BT 439.75 172.17 Td (Michael ) Tj ET Q q 0 0 1 rg BT 474.72 172.17 Td (J. ) Tj ET Q q 0 0 1 rg BT 483.31 172.17 Td (Poppe ) Tj ET Q q 0 0 1 rg BT 510.52 172.17 Td (and ) Tj ET Q q 0 0 1 rg BT 527.16 172.17 Td (Conn) Tj ET Q q 0 0 1 rg BT 551.61 172.17 Td (s, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 160.8333984374999 m 560.5185546875 160.8333984374999 l s q 0 0 1 rg BT 151.00 162.17 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 171.39 162.17 Td (dated ) Tj ET Q q 0 0 1 rg BT 195.66 162.17 Td (as ) Tj ET Q q 0 0 1 rg BT 206.61 162.17 Td (of ) Tj ET Q q 0 0 1 rg BT 217.56 162.17 Td (July ) Tj ET Q q 0 0 1 rg BT 236.85 162.17 Td (10, ) Tj ET Q q 0 0 1 rg BT 251.97 162.17 Td (2015 ) Tj ET Q q 0 0 1 rg BT 274.58 162.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 331.07 162.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 358.67 162.17 Td (by ) Tj ET Q q 0 0 1 rg BT 371.29 162.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 411.09 162.17 Td (to ) Tj ET Q q 0 0 1 rg BT 421.49 162.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 453.55 162.17 Td (10.3 ) Tj ET Q q 0 0 1 rg BT 473.67 162.17 Td (to ) Tj ET Q q 0 0 1 rg BT 484.06 162.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 508.35 162.17 Td (10-Q ) Tj ET Q q 0 0 1 rg BT 531.52 162.17 Td (for ) Tj ET Q q 0 0 1 rg BT 545.80 162.17 Td (the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 150.8333984374999 m 560.501953125 150.8333984374999 l s q 0 0 1 rg BT 151.00 152.17 Td (quarterly ) Tj ET Q q 0 0 1 rg BT 189.90 152.17 Td (period ) Tj ET Q q 0 0 1 rg BT 218.25 152.17 Td (ended ) Tj ET Q q 0 0 1 rg BT 244.94 152.17 Td (July ) Tj ET Q q 0 0 1 rg BT 264.41 152.17 Td (31, ) Tj ET Q q 0 0 1 rg BT 279.72 152.17 Td (2015 ) Tj ET Q q 0 0 1 rg BT 302.53 152.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 324.22 152.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 341.75 152.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 391.22 152.17 Td (as ) Tj ET Q q 0 0 1 rg BT 402.35 152.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 423.48 152.17 Td (with ) Tj ET Q q 0 0 1 rg BT 444.07 152.17 Td (the ) Tj ET Q q 0 0 1 rg BT 459.09 152.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 501.33 152.17 Td (and ) Tj ET Q q 0 0 1 rg BT 518.58 152.17 Td (Exchange ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 140.8333984374999 m 295.16015625 140.8333984374999 l s q 0 0 1 rg BT 151.00 142.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 204.07 142.17 Td (on ) Tj ET Q q 0 0 1 rg BT 216.57 142.17 Td (September ) Tj ET Q q 0 0 1 rg BT 261.83 142.17 Td (9, ) Tj ET Q q 0 0 1 rg BT 271.83 142.17 Td (2015\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.25 117.62 Td (*10.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.00 107.17 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 125.83339843749991 m 560.5 125.83339843749991 l s q 0 0 1 rg BT 151.00 127.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 177.68 127.17 Td (of ) Tj ET Q q 0 0 1 rg BT 191.02 127.17 Td (Executive ) Tj ET Q q 0 0 1 rg BT 236.01 127.17 Td (Severance ) Tj ET Q q 0 0 1 rg BT 280.99 127.17 Td (Agreement ) Tj ET Q q 0 0 1 rg BT 330.42 127.17 Td (by ) Tj ET Q q 0 0 1 rg BT 345.43 127.17 Td (and ) Tj ET Q q 0 0 1 rg BT 364.88 127.17 Td (between ) Tj ET Q q 0 0 1 rg BT 402.84 127.17 Td (Thomas ) Tj ET Q q 0 0 1 rg BT 440.07 127.17 Td (R. ) Tj ET Q q 0 0 1 rg BT 454.24 127.17 Td (Moran ) Tj ET Q q 0 0 1 rg BT 485.91 127.17 Td (and ) Tj ET Q q 0 0 1 rg BT 505.36 127.17 Td (Conn's, ) Tj ET Q q 0 0 1 rg BT 540.23 127.17 Td (Inc., ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 115.83339843749991 m 560.5068359375 115.83339843749991 l s q 0 0 1 rg BT 151.00 117.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 207.41 117.17 Td (by ) Tj ET Q q 0 0 1 rg BT 219.96 117.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 259.69 117.17 Td (to ) Tj ET Q q 0 0 1 rg BT 270.01 117.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 302.01 117.17 Td (10.1 ) Tj ET Q q 0 0 1 rg BT 322.05 117.17 Td (to ) Tj ET Q q 0 0 1 rg BT 332.38 117.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 356.60 117.17 Td (8-K ) Tj ET Q q 0 0 1 rg BT 374.70 117.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 396.13 117.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 413.40 117.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 462.61 117.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 483.48 117.17 Td (with ) Tj ET Q q 0 0 1 rg BT 503.81 117.17 Td (the ) Tj ET Q q 0 0 1 rg BT 518.57 117.17 Td (Securities ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 105.83339843749991 m 327.9287109375 105.83339843749991 l s q 0 0 1 rg BT 151.00 107.17 Td (and ) Tj ET Q q 0 0 1 rg BT 167.94 107.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 209.86 107.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 262.93 107.17 Td (on ) Tj ET Q q 0 0 1 rg BT 275.43 107.17 Td (July ) Tj ET Q q 0 0 1 rg BT 294.60 107.17 Td (9, ) Tj ET Q q 0 0 1 rg BT 304.60 107.17 Td (2015\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.50 82.62 Td (* 10.10) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 90.83339843749991 m 560.5078125 90.83339843749991 l s q 0 0 1 rg BT 151.00 92.17 Td (Executive ) Tj ET Q q 0 0 1 rg BT 192.75 92.17 Td (Severance ) Tj ET Q q 0 0 1 rg BT 235.21 92.17 Td (Agreement ) Tj ET Q q 0 0 1 rg BT 281.40 92.17 Td (by ) Tj ET Q q 0 0 1 rg BT 293.17 92.17 Td (and ) Tj ET Q q 0 0 1 rg BT 309.38 92.17 Td (between ) Tj ET Q q 0 0 1 rg BT 344.47 92.17 Td (Norman ) Tj ET Q q 0 0 1 rg BT 379.00 92.17 Td (Miller ) Tj ET Q q 0 0 1 rg BT 405.77 92.17 Td (and ) Tj ET Q q 0 0 1 rg BT 421.98 92.17 Td (Conn) Tj ET Q q 0 0 1 rg BT 446.42 92.17 Td (s ) Tj ET Q q 0 0 1 rg BT 452.08 92.17 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 471.62 92.17 Td (dated ) Tj ET Q q 0 0 1 rg BT 495.05 92.17 Td (as ) Tj ET Q q 0 0 1 rg BT 505.15 92.17 Td (of ) Tj ET Q q 0 0 1 rg BT 515.24 92.17 Td (September ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 80.83339843749991 m 560.51171875 80.83339843749991 l s q 0 0 1 rg BT 151.00 82.17 Td (7, ) Tj ET Q q 0 0 1 rg BT 161.43 82.17 Td (2015 ) Tj ET Q q 0 0 1 rg BT 184.35 82.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 241.14 82.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 269.06 82.17 Td (by ) Tj ET Q q 0 0 1 rg BT 281.98 82.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 322.09 82.17 Td (to ) Tj ET Q q 0 0 1 rg BT 332.80 82.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 365.17 82.17 Td (10.2 ) Tj ET Q q 0 0 1 rg BT 385.60 82.17 Td (to ) Tj ET Q q 0 0 1 rg BT 396.30 82.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 420.90 82.17 Td (8-K ) Tj ET Q q 0 0 1 rg BT 439.38 82.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 461.19 82.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 478.84 82.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 528.43 82.17 Td (as ) Tj ET Q q 0 0 1 rg BT 539.69 82.17 Td (filed ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 70.83339843749991 m 430.951171875 70.83339843749991 l s q 0 0 1 rg BT 151.00 72.17 Td (with ) Tj ET Q q 0 0 1 rg BT 171.28 72.17 Td (the ) Tj ET Q q 0 0 1 rg BT 186.00 72.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 227.93 72.17 Td (and ) Tj ET Q q 0 0 1 rg BT 244.87 72.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 286.79 72.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 339.86 72.17 Td (on ) Tj ET Q q 0 0 1 rg BT 352.36 72.17 Td (September ) Tj ET Q q 0 0 1 rg BT 397.62 72.17 Td (9, ) Tj ET Q q 0 0 1 rg BT 407.62 72.17 Td (2015\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL endstream endobj 207 0 obj <>] /Rotate 0 /Contents 208 0 R>> endobj 208 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (102) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 713.50 57.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 713.50 6.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 713.50 413.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 642.50 57.00 -34.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 642.50 6.00 -34.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 642.50 413.00 -34.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 573.50 57.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 573.50 6.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 573.50 413.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 501.50 57.00 -65.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 501.50 6.00 -65.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 501.50 413.00 -65.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 365.50 57.00 -68.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 365.50 6.00 -68.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 365.50 413.00 -68.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 223.50 57.00 -54.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 223.50 6.00 -54.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 223.50 413.00 -54.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 134.50 57.00 -54.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 134.50 6.00 -54.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 134.50 413.00 -54.00 re f /GS0 gs BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 728.62 Td (*10.10.1) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 736.8333984374999 m 560.50439453125 736.8333984374999 l s q 0 0 1 rg BT 151.00 738.17 Td (Letter ) Tj ET Q q 0 0 1 rg BT 176.66 738.17 Td (Agreement ) Tj ET Q q 0 0 1 rg BT 223.37 738.17 Td (from ) Tj ET Q q 0 0 1 rg BT 245.10 738.17 Td (Conn) Tj ET Q q 0 0 1 rg BT 269.55 738.17 Td (s, ) Tj ET Q q 0 0 1 rg BT 278.23 738.17 Td (Inc. ) Tj ET Q q 0 0 1 rg BT 295.79 738.17 Td (to ) Tj ET Q q 0 0 1 rg BT 305.86 738.17 Td (Norman ) Tj ET Q q 0 0 1 rg BT 340.91 738.17 Td (L. ) Tj ET Q q 0 0 1 rg BT 351.81 738.17 Td (Miller) Tj ET Q q 0 0 1 rg BT 376.41 738.17 Td (, ) Tj ET Q q 0 0 1 rg BT 381.20 738.17 Td (dated ) Tj ET Q q 0 0 1 rg BT 405.14 738.17 Td (as ) Tj ET Q q 0 0 1 rg BT 415.76 738.17 Td (of ) Tj ET Q q 0 0 1 rg BT 426.38 738.17 Td (January ) Tj ET Q q 0 0 1 rg BT 459.77 738.17 Td (2, ) Tj ET Q q 0 0 1 rg BT 469.56 738.17 Td (2017 ) Tj ET Q q 0 0 1 rg BT 491.85 738.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 548.00 738.17 Td (by ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 726.8333984374999 m 560.50439453125 726.8333984374999 l s q 0 0 1 rg BT 151.00 728.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 191.40 728.17 Td (to ) Tj ET Q q 0 0 1 rg BT 202.39 728.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 235.05 728.17 Td (10.1 ) Tj ET Q q 0 0 1 rg BT 255.76 728.17 Td (to ) Tj ET Q q 0 0 1 rg BT 266.75 728.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 291.64 728.17 Td (8-K ) Tj ET Q q 0 0 1 rg BT 310.40 728.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 332.51 728.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 350.44 728.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 400.32 728.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 421.86 728.17 Td (with ) Tj ET Q q 0 0 1 rg BT 442.85 728.17 Td (the ) Tj ET Q q 0 0 1 rg BT 458.28 728.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 500.93 728.17 Td (and ) Tj ET Q q 0 0 1 rg BT 518.58 728.17 Td (Exchange ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 716.8333984374999 m 283.4951171875 716.8333984374999 l s q 0 0 1 rg BT 151.00 718.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 204.07 718.17 Td (on ) Tj ET Q q 0 0 1 rg BT 216.57 718.17 Td (January ) Tj ET Q q 0 0 1 rg BT 250.17 718.17 Td (6, ) Tj ET Q q 0 0 1 rg BT 260.17 718.17 Td (2017\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.90 693.62 Td (*10.1) Tj ET Q q 0 0 0 rg BT 122.21 693.62 Td (1) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 701.8333984374999 m 560.50732421875 701.8333984374999 l s q 0 0 1 rg BT 151.00 703.17 Td (Of) Tj ET Q q 0 0 1 rg BT 161.37 703.17 Td (fer ) Tj ET Q q 0 0 1 rg BT 174.46 703.17 Td (of ) Tj ET Q q 0 0 1 rg BT 184.78 703.17 Td (employment ) Tj ET Q q 0 0 1 rg BT 236.76 703.17 Td (from ) Tj ET Q q 0 0 1 rg BT 258.19 703.17 Td (Conn) Tj ET Q q 0 0 1 rg BT 282.64 703.17 Td (s ) Tj ET Q q 0 0 1 rg BT 288.52 703.17 Td (Inc. ) Tj ET Q q 0 0 1 rg BT 305.78 703.17 Td (to ) Tj ET Q q 0 0 1 rg BT 315.55 703.17 Td (Lee ) Tj ET Q q 0 0 1 rg BT 332.09 703.17 Td (A. ) Tj ET Q q 0 0 1 rg BT 343.66 703.17 Td (W) Tj ET Q q 0 0 1 rg BT 352.70 703.17 Td (right, ) Tj ET Q q 0 0 1 rg BT 376.08 703.17 Td (dated ) Tj ET Q q 0 0 1 rg BT 399.72 703.17 Td (as ) Tj ET Q q 0 0 1 rg BT 410.04 703.17 Td (of ) Tj ET Q q 0 0 1 rg BT 420.36 703.17 Td (May ) Tj ET Q q 0 0 1 rg BT 440.69 703.17 Td (31, ) Tj ET Q q 0 0 1 rg BT 455.18 703.17 Td (2016 ) Tj ET Q q 0 0 1 rg BT 477.17 703.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 533.02 703.17 Td (herein ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 691.8333984374999 m 560.515625 691.8333984374999 l s q 0 0 1 rg BT 151.00 693.17 Td (by ) Tj ET Q q 0 0 1 rg BT 163.39 693.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 202.96 693.17 Td (to ) Tj ET Q q 0 0 1 rg BT 213.13 693.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 244.96 693.17 Td (10.1 ) Tj ET Q q 0 0 1 rg BT 264.85 693.17 Td (to ) Tj ET Q q 0 0 1 rg BT 275.02 693.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 299.08 693.17 Td (8-K ) Tj ET Q q 0 0 1 rg BT 317.02 693.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 338.29 693.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 355.40 693.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 404.45 693.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 425.17 693.17 Td (with ) Tj ET Q q 0 0 1 rg BT 445.34 693.17 Td (the ) Tj ET Q q 0 0 1 rg BT 459.94 693.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 501.76 693.17 Td (and ) Tj ET Q q 0 0 1 rg BT 518.59 693.17 Td (Exchange ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 681.8333984374999 m 270.7265625 681.8333984374999 l s q 0 0 1 rg BT 151.00 683.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 204.07 683.17 Td (on ) Tj ET Q q 0 0 1 rg BT 216.57 683.17 Td (June ) Tj ET Q q 0 0 1 rg BT 237.40 683.17 Td (2, ) Tj ET Q q 0 0 1 rg BT 247.40 683.17 Td (2016\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.15 658.12 Td (*10.1) Tj ET Q q 0 0 0 rg BT 118.46 658.12 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 665.8333984374999 m 560.5048828125 665.8333984374999 l s q 0 0 1 rg BT 151.00 667.17 Td (Executive ) Tj ET Q q 0 0 1 rg BT 193.66 667.17 Td (Severance ) Tj ET Q q 0 0 1 rg BT 236.83 667.17 Td (Agreement ) Tj ET Q q 0 0 1 rg BT 283.93 667.17 Td (by ) Tj ET Q q 0 0 1 rg BT 296.60 667.17 Td (and ) Tj ET Q q 0 0 1 rg BT 313.72 667.17 Td (between ) Tj ET Q q 0 0 1 rg BT 349.71 667.17 Td (Lee ) Tj ET Q q 0 0 1 rg BT 366.78 667.17 Td (A. ) Tj ET Q q 0 0 1 rg BT 378.98 667.17 Td (W) Tj ET Q q 0 0 1 rg BT 388.02 667.17 Td (right ) Tj ET Q q 0 0 1 rg BT 409.58 667.17 Td (and ) Tj ET Q q 0 0 1 rg BT 426.70 667.17 Td (Conn) Tj ET Q q 0 0 1 rg BT 451.14 667.17 Td (s ) Tj ET Q q 0 0 1 rg BT 457.71 667.17 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 478.16 667.17 Td (dated ) Tj ET Q q 0 0 1 rg BT 502.49 667.17 Td (as ) Tj ET Q q 0 0 1 rg BT 513.49 667.17 Td (of ) Tj ET Q q 0 0 1 rg BT 524.50 667.17 Td (May ) Tj ET Q q 0 0 1 rg BT 545.50 667.17 Td (31, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 655.8333984374999 m 560.4970703125 655.8333984374999 l s q 0 0 1 rg BT 151.00 657.17 Td (2016 ) Tj ET Q q 0 0 1 rg BT 173.04 657.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 228.94 657.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 255.97 657.17 Td (by ) Tj ET Q q 0 0 1 rg BT 268.01 657.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 307.24 657.17 Td (to ) Tj ET Q q 0 0 1 rg BT 317.05 657.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 348.54 657.17 Td (10.2 ) Tj ET Q q 0 0 1 rg BT 368.08 657.17 Td (to ) Tj ET Q q 0 0 1 rg BT 377.90 657.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 401.61 657.17 Td (8-K ) Tj ET Q q 0 0 1 rg BT 419.20 657.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 440.13 657.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 456.89 657.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 505.59 657.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 525.96 657.17 Td (with ) Tj ET Q q 0 0 1 rg BT 545.78 657.17 Td (the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 645.8333984374999 m 371.5224609375 645.8333984374999 l s q 0 0 1 rg BT 151.00 647.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 192.93 647.17 Td (and ) Tj ET Q q 0 0 1 rg BT 209.87 647.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 251.80 647.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 304.86 647.17 Td (on ) Tj ET Q q 0 0 1 rg BT 317.36 647.17 Td (June ) Tj ET Q q 0 0 1 rg BT 338.19 647.17 Td (2, ) Tj ET Q q 0 0 1 rg BT 348.19 647.17 Td (2016\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.75 623.12 Td (*10.12) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 631.7333984375 m 506.078125 631.7333984375 l s q 0 0 1 rg BT 151.00 633.07 Td (Of) Tj ET Q q 0 0 1 rg BT 161.37 633.07 Td (fer of employment from Conn) Tj ET Q q 0 0 1 rg BT 284.68 633.07 Td (s Inc. to Geor) Tj ET Q q 0 0 1 rg BT 338.92 633.07 Td (ge Bchara, dated as of December 9, 2016 ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 621.7333984375 m 559.7890625 621.7333984375 l s q 0 0 1 rg BT 151.00 623.07 Td (\(incorporated by reference to Exhibit 10.1 to Form 8-K \(File No. 001-34956\) filed with the Securities ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 611.7333984375 m 357.3427734375 611.7333984375 l s q 0 0 1 rg BT 151.00 613.07 Td (and Exchange Commission on December 14, 2016\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.75 588.62 Td (*10.13) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 596.8333984374999 m 560.50439453125 596.8333984374999 l s q 0 0 1 rg BT 151.00 598.17 Td (Of) Tj ET Q q 0 0 1 rg BT 161.37 598.17 Td (fer ) Tj ET Q q 0 0 1 rg BT 174.75 598.17 Td (of ) Tj ET Q q 0 0 1 rg BT 185.37 598.17 Td (employment ) Tj ET Q q 0 0 1 rg BT 237.64 598.17 Td (from ) Tj ET Q q 0 0 1 rg BT 259.36 598.17 Td (Conn) Tj ET Q q 0 0 1 rg BT 283.81 598.17 Td (s ) Tj ET Q q 0 0 1 rg BT 289.98 598.17 Td (Inc. ) Tj ET Q q 0 0 1 rg BT 307.53 598.17 Td (to ) Tj ET Q q 0 0 1 rg BT 317.59 598.17 Td (Coleman ) Tj ET Q q 0 0 1 rg BT 355.98 598.17 Td (Gaines, ) Tj ET Q q 0 0 1 rg BT 388.53 598.17 Td (dated ) Tj ET Q q 0 0 1 rg BT 412.47 598.17 Td (as ) Tj ET Q q 0 0 1 rg BT 423.08 598.17 Td (of ) Tj ET Q q 0 0 1 rg BT 433.70 598.17 Td (January ) Tj ET Q q 0 0 1 rg BT 467.08 598.17 Td (10, ) Tj ET Q q 0 0 1 rg BT 481.86 598.17 Td (2017 ) Tj ET Q q 0 0 1 rg BT 504.14 598.17 Td (\(incorporated ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 586.8333984374999 m 560.515625 586.8333984374999 l s q 0 0 1 rg BT 151.00 588.17 Td (by ) Tj ET Q q 0 0 1 rg BT 163.39 588.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 202.96 588.17 Td (to ) Tj ET Q q 0 0 1 rg BT 213.13 588.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 244.96 588.17 Td (10.1 ) Tj ET Q q 0 0 1 rg BT 264.85 588.17 Td (to ) Tj ET Q q 0 0 1 rg BT 275.02 588.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 299.08 588.17 Td (8-K ) Tj ET Q q 0 0 1 rg BT 317.02 588.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 338.29 588.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 355.40 588.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 404.45 588.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 425.17 588.17 Td (with ) Tj ET Q q 0 0 1 rg BT 445.34 588.17 Td (the ) Tj ET Q q 0 0 1 rg BT 459.94 588.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 501.76 588.17 Td (and ) Tj ET Q q 0 0 1 rg BT 518.59 588.17 Td (Exchange ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 576.8333984374999 m 288.4951171875 576.8333984374999 l s q 0 0 1 rg BT 151.00 578.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 204.07 578.17 Td (on ) Tj ET Q q 0 0 1 rg BT 216.57 578.17 Td (January ) Tj ET Q q 0 0 1 rg BT 250.17 578.17 Td (13, ) Tj ET Q q 0 0 1 rg BT 265.17 578.17 Td (2017\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 553.12 Td (*10.13.1) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 560.8333984374999 m 560.51220703125 560.8333984374999 l s q 0 0 1 rg BT 151.00 562.17 Td (Executive ) Tj ET Q q 0 0 1 rg BT 193.01 562.17 Td (Agreement ) Tj ET Q q 0 0 1 rg BT 240.04 562.17 Td (by ) Tj ET Q q 0 0 1 rg BT 252.65 562.17 Td (and ) Tj ET Q q 0 0 1 rg BT 269.69 562.17 Td (between ) Tj ET Q q 0 0 1 rg BT 305.61 562.17 Td (Coleman ) Tj ET Q q 0 0 1 rg BT 344.32 562.17 Td (Gaines ) Tj ET Q q 0 0 1 rg BT 374.70 562.17 Td (and ) Tj ET Q q 0 0 1 rg BT 391.74 562.17 Td (Conn) Tj ET Q q 0 0 1 rg BT 416.19 562.17 Td (s ) Tj ET Q q 0 0 1 rg BT 422.69 562.17 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 443.07 562.17 Td (dated ) Tj ET Q q 0 0 1 rg BT 467.33 562.17 Td (as ) Tj ET Q q 0 0 1 rg BT 478.26 562.17 Td (of ) Tj ET Q q 0 0 1 rg BT 489.20 562.17 Td (January ) Tj ET Q q 0 0 1 rg BT 522.91 562.17 Td (10, ) Tj ET Q q 0 0 1 rg BT 538.01 562.17 Td (2017 ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 550.8333984374999 m 560.5068359375 550.8333984374999 l s q 0 0 1 rg BT 151.00 552.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 207.41 552.17 Td (by ) Tj ET Q q 0 0 1 rg BT 219.96 552.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 259.69 552.17 Td (to ) Tj ET Q q 0 0 1 rg BT 270.01 552.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 302.01 552.17 Td (10.2 ) Tj ET Q q 0 0 1 rg BT 322.05 552.17 Td (to ) Tj ET Q q 0 0 1 rg BT 332.38 552.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 356.60 552.17 Td (8-K ) Tj ET Q q 0 0 1 rg BT 374.70 552.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 396.13 552.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 413.40 552.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 462.61 552.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 483.48 552.17 Td (with ) Tj ET Q q 0 0 1 rg BT 503.81 552.17 Td (the ) Tj ET Q q 0 0 1 rg BT 518.57 552.17 Td (Securities ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 540.8333984374999 m 347.357421875 540.8333984374999 l s q 0 0 1 rg BT 151.00 542.17 Td (and ) Tj ET Q q 0 0 1 rg BT 167.94 542.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 209.86 542.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 262.93 542.17 Td (on ) Tj ET Q q 0 0 1 rg BT 275.43 542.17 Td (January ) Tj ET Q q 0 0 1 rg BT 309.03 542.17 Td (13, ) Tj ET Q q 0 0 1 rg BT 324.03 542.17 Td (2017\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.75 517.12 Td (*10.14) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 524.8333984374999 m 546.9716796875 524.8333984374999 l s q 0 0 1 rg BT 151.00 526.17 Td (Executive Severance Plan \(incorporated herein by reference to Exhibit 10.14 to Form 10-Q for the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 514.8333984374999 m 529.515625 514.8333984374999 l s q 0 0 1 rg BT 151.00 516.17 Td (quarterly period ended October 31, 2015 \(File No. 001-34956\) as filed with the Securities and ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 504.8333984374999 m 335.404296875 504.8333984374999 l s q 0 0 1 rg BT 151.00 506.17 Td (Exchange Commission on December 8, 2015\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.25 466.62 Td (10.15) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 489.8333984374999 m 560.5146484375 489.8333984374999 l s q 0 0 1 rg BT 151.00 491.17 Td (Third ) Tj ET Q q 0 0 1 rg BT 174.45 491.17 Td (Amended ) Tj ET Q q 0 0 1 rg BT 214.91 491.17 Td (and ) Tj ET Q q 0 0 1 rg BT 230.93 491.17 Td (Restated ) Tj ET Q q 0 0 1 rg BT 266.95 491.17 Td (Loan ) Tj ET Q q 0 0 1 rg BT 289.08 491.17 Td (and ) Tj ET Q q 0 0 1 rg BT 305.10 491.17 Td (Security ) Tj ET Q q 0 0 1 rg BT 339.66 491.17 Td (Agreement, ) Tj ET Q q 0 0 1 rg BT 388.17 491.17 Td (dated ) Tj ET Q q 0 0 1 rg BT 411.41 491.17 Td (as ) Tj ET Q q 0 0 1 rg BT 421.32 491.17 Td (of ) Tj ET Q q 0 0 1 rg BT 431.23 491.17 Td (October ) Tj ET Q q 0 0 1 rg BT 465.03 491.17 Td (30, ) Tj ET Q q 0 0 1 rg BT 479.11 491.17 Td (2015, ) Tj ET Q q 0 0 1 rg BT 503.19 491.17 Td (by ) Tj ET Q q 0 0 1 rg BT 514.78 491.17 Td (and ) Tj ET Q q 0 0 1 rg BT 530.80 491.17 Td (among ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 479.8333984374999 m 560.49853515625 479.8333984374999 l s q 0 0 1 rg BT 151.00 481.17 Td (Conn) Tj ET Q q 0 0 1 rg BT 175.45 481.17 Td (s ) Tj ET Q q 0 0 1 rg BT 183.46 481.17 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 205.35 481.17 Td (as ) Tj ET Q q 0 0 1 rg BT 217.80 481.17 Td (parent ) Tj ET Q q 0 0 1 rg BT 246.91 481.17 Td (and ) Tj ET Q q 0 0 1 rg BT 265.47 481.17 Td (guarantor) Tj ET Q q 0 0 1 rg BT 303.38 481.17 Td (, ) Tj ET Q q 0 0 1 rg BT 310.00 481.17 Td (Conn ) Tj ET Q q 0 0 1 rg BT 334.88 481.17 Td (Appliances, ) Tj ET Q q 0 0 1 rg BT 386.49 481.17 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 408.38 481.17 Td (Conn ) Tj ET Q q 0 0 1 rg BT 434.17 481.17 Td (Credit ) Tj ET Q q 0 0 1 rg BT 463.28 481.17 Td (I, ) Tj ET Q q 0 0 1 rg BT 473.23 481.17 Td (LP) Tj ET Q q 0 0 1 rg BT 484.53 481.17 Td ( ) Tj ET Q q 0 0 1 rg BT 488.65 481.17 Td (and ) Tj ET Q q 0 0 1 rg BT 507.21 481.17 Td (Conn ) Tj ET Q q 0 0 1 rg BT 533.00 481.17 Td (Credit ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 469.8333984374999 m 560.50146484375 469.8333984374999 l s q 0 0 1 rg BT 151.00 471.17 Td (Corporation, ) Tj ET Q q 0 0 1 rg BT 204.25 471.17 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 224.45 471.17 Td (as ) Tj ET Q q 0 0 1 rg BT 235.21 471.17 Td (borrowers, ) Tj ET Q q 0 0 1 rg BT 280.68 471.17 Td (certain ) Tj ET Q q 0 0 1 rg BT 310.31 471.17 Td (banks ) Tj ET Q q 0 0 1 rg BT 336.07 471.17 Td (and ) Tj ET Q q 0 0 1 rg BT 352.93 471.17 Td (financial ) Tj ET Q q 0 0 1 rg BT 390.34 471.17 Td (institutions ) Tj ET Q q 0 0 1 rg BT 437.22 471.17 Td (named ) Tj ET Q q 0 0 1 rg BT 466.31 471.17 Td (therein, ) Tj ET Q q 0 0 1 rg BT 499.00 471.17 Td (as ) Tj ET Q q 0 0 1 rg BT 509.76 471.17 Td (lenders, ) Tj ET Q q 0 0 1 rg BT 543.56 471.17 Td (and ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 459.8333984374999 m 560.50732421875 459.8333984374999 l s q 0 0 1 rg BT 151.00 461.17 Td (Bank ) Tj ET Q q 0 0 1 rg BT 174.45 461.17 Td (of ) Tj ET Q q 0 0 1 rg BT 184.60 461.17 Td (America ) Tj ET Q q 0 0 1 rg BT 221.36 461.17 Td (N.A., ) Tj ET Q q 0 0 1 rg BT 245.64 461.17 Td (in ) Tj ET Q q 0 0 1 rg BT 255.76 461.17 Td (its ) Tj ET Q q 0 0 1 rg BT 267.54 461.17 Td (capacity ) Tj ET Q q 0 0 1 rg BT 303.19 461.17 Td (as ) Tj ET Q q 0 0 1 rg BT 313.86 461.17 Td (agent ) Tj ET Q q 0 0 1 rg BT 337.85 461.17 Td (for ) Tj ET Q q 0 0 1 rg BT 351.85 461.17 Td (lenders ) Tj ET Q q 0 0 1 rg BT 383.07 461.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 439.27 461.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 466.59 461.17 Td (by ) Tj ET Q q 0 0 1 rg BT 478.93 461.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 518.45 461.17 Td (to ) Tj ET Q q 0 0 1 rg BT 528.56 461.17 Td (Exhibit ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 449.8333984374999 m 560.50439453125 449.8333984374999 l s q 0 0 1 rg BT 151.00 451.17 Td (10.1 ) Tj ET Q q 0 0 1 rg BT 172.08 451.17 Td (to ) Tj ET Q q 0 0 1 rg BT 183.44 451.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 208.69 451.17 Td (8-K ) Tj ET Q q 0 0 1 rg BT 227.83 451.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 250.29 451.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 268.60 451.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 318.84 451.17 Td (as ) Tj ET Q q 0 0 1 rg BT 330.75 451.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 352.66 451.17 Td (with ) Tj ET Q q 0 0 1 rg BT 374.02 451.17 Td (the ) Tj ET Q q 0 0 1 rg BT 389.82 451.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 432.83 451.17 Td (and ) Tj ET Q q 0 0 1 rg BT 450.85 451.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 493.86 451.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 548.00 451.17 Td (on ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 439.8333984374999 m 229.037109375 439.8333984374999 l s q 0 0 1 rg BT 151.00 441.17 Td (November ) Tj ET Q q 0 0 1 rg BT 195.71 441.17 Td (2, ) Tj ET Q q 0 0 1 rg BT 205.71 441.17 Td (2015\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.50 398.62 Td (10.15.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.00 370.17 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 418.8333984374999 m 560.501953125 418.8333984374999 l s q 0 0 1 rg BT 151.00 420.17 Td (First ) Tj ET Q q 0 0 1 rg BT 171.21 420.17 Td (Amendment ) Tj ET Q q 0 0 1 rg BT 223.04 420.17 Td (to ) Tj ET Q q 0 0 1 rg BT 233.05 420.17 Td (Third ) Tj ET Q q 0 0 1 rg BT 257.14 420.17 Td (Amended ) Tj ET Q q 0 0 1 rg BT 298.41 420.17 Td (and ) Tj ET Q q 0 0 1 rg BT 315.25 420.17 Td (Restated ) Tj ET Q q 0 0 1 rg BT 352.08 420.17 Td (Loan ) Tj ET Q q 0 0 1 rg BT 375.03 420.17 Td (and ) Tj ET Q q 0 0 1 rg BT 391.87 420.17 Td (Security ) Tj ET Q q 0 0 1 rg BT 427.06 420.17 Td (Agreement, ) Tj ET Q q 0 0 1 rg BT 476.39 420.17 Td (dated ) Tj ET Q q 0 0 1 rg BT 500.44 420.17 Td (as ) Tj ET Q q 0 0 1 rg BT 511.17 420.17 Td (of ) Tj ET Q q 0 0 1 rg BT 521.90 420.17 Td (February ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 408.8333984374999 m 560.50927734375 408.8333984374999 l s q 0 0 1 rg BT 151.00 410.17 Td (16, ) Tj ET Q q 0 0 1 rg BT 166.36 410.17 Td (2016, ) Tj ET Q q 0 0 1 rg BT 191.72 410.17 Td (by ) Tj ET Q q 0 0 1 rg BT 204.58 410.17 Td (and ) Tj ET Q q 0 0 1 rg BT 221.88 410.17 Td (among ) Tj ET Q q 0 0 1 rg BT 251.96 410.17 Td (Conn's, ) Tj ET Q q 0 0 1 rg BT 284.68 410.17 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 305.31 410.17 Td (as ) Tj ET Q q 0 0 1 rg BT 316.50 410.17 Td (parent ) Tj ET Q q 0 0 1 rg BT 344.35 410.17 Td (and ) Tj ET Q q 0 0 1 rg BT 361.64 410.17 Td (guarantor) Tj ET Q q 0 0 1 rg BT 399.56 410.17 Td (, ) Tj ET Q q 0 0 1 rg BT 404.92 410.17 Td (Conn ) Tj ET Q q 0 0 1 rg BT 428.82 410.17 Td (Appliances, ) Tj ET Q q 0 0 1 rg BT 479.16 410.17 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 499.79 410.17 Td (Conn ) Tj ET Q q 0 0 1 rg BT 524.32 410.17 Td (Credit ) Tj ET Q q 0 0 1 rg BT 552.18 410.17 Td (I, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 398.8333984374999 m 560.50439453125 398.8333984374999 l s q 0 0 1 rg BT 151.00 400.17 Td (LP) Tj ET Q q 0 0 1 rg BT 162.30 400.17 Td ( ) Tj ET Q q 0 0 1 rg BT 165.65 400.17 Td (and ) Tj ET Q q 0 0 1 rg BT 183.44 400.17 Td (Conn ) Tj ET Q q 0 0 1 rg BT 208.46 400.17 Td (Credit ) Tj ET Q q 0 0 1 rg BT 236.81 400.17 Td (Corporation, ) Tj ET Q q 0 0 1 rg BT 290.99 400.17 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 312.11 400.17 Td (as ) Tj ET Q q 0 0 1 rg BT 323.79 400.17 Td (borrowers, ) Tj ET Q q 0 0 1 rg BT 370.18 400.17 Td (certain ) Tj ET Q q 0 0 1 rg BT 400.74 400.17 Td (banks ) Tj ET Q q 0 0 1 rg BT 427.42 400.17 Td (and ) Tj ET Q q 0 0 1 rg BT 445.21 400.17 Td (financial ) Tj ET Q q 0 0 1 rg BT 483.54 400.17 Td (institutions ) Tj ET Q q 0 0 1 rg BT 531.35 400.17 Td (named ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 388.8333984374999 m 560.51220703125 388.8333984374999 l s q 0 0 1 rg BT 151.00 390.17 Td (therein, ) Tj ET Q q 0 0 1 rg BT 183.60 390.17 Td (as ) Tj ET Q q 0 0 1 rg BT 194.27 390.17 Td (lenders, ) Tj ET Q q 0 0 1 rg BT 227.98 390.17 Td (and ) Tj ET Q q 0 0 1 rg BT 244.76 390.17 Td (Bank ) Tj ET Q q 0 0 1 rg BT 268.21 390.17 Td (of ) Tj ET Q q 0 0 1 rg BT 278.36 390.17 Td (America ) Tj ET Q q 0 0 1 rg BT 315.12 390.17 Td (N.A., ) Tj ET Q q 0 0 1 rg BT 339.40 390.17 Td (in ) Tj ET Q q 0 0 1 rg BT 349.52 390.17 Td (its ) Tj ET Q q 0 0 1 rg BT 361.30 390.17 Td (capacity ) Tj ET Q q 0 0 1 rg BT 396.95 390.17 Td (as ) Tj ET Q q 0 0 1 rg BT 407.62 390.17 Td (agent ) Tj ET Q q 0 0 1 rg BT 431.61 390.17 Td (for ) Tj ET Q q 0 0 1 rg BT 445.61 390.17 Td (lenders ) Tj ET Q q 0 0 1 rg BT 476.83 390.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 533.03 390.17 Td (herein ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 378.8333984374999 m 560.515625 378.8333984374999 l s q 0 0 1 rg BT 151.00 380.17 Td (by ) Tj ET Q q 0 0 1 rg BT 163.39 380.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 202.96 380.17 Td (to ) Tj ET Q q 0 0 1 rg BT 213.13 380.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 244.96 380.17 Td (10.1 ) Tj ET Q q 0 0 1 rg BT 264.85 380.17 Td (to ) Tj ET Q q 0 0 1 rg BT 275.02 380.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 299.08 380.17 Td (8-K ) Tj ET Q q 0 0 1 rg BT 317.02 380.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 338.29 380.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 355.40 380.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 404.45 380.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 425.17 380.17 Td (with ) Tj ET Q q 0 0 1 rg BT 445.34 380.17 Td (the ) Tj ET Q q 0 0 1 rg BT 459.94 380.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 501.76 380.17 Td (and ) Tj ET Q q 0 0 1 rg BT 518.59 380.17 Td (Exchange ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 368.8333984374999 m 293.4951171875 368.8333984374999 l s q 0 0 1 rg BT 151.00 370.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 204.07 370.17 Td (on ) Tj ET Q q 0 0 1 rg BT 216.57 370.17 Td (February ) Tj ET Q q 0 0 1 rg BT 255.17 370.17 Td (19, ) Tj ET Q q 0 0 1 rg BT 270.17 370.17 Td (2016\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.50 329.12 Td (10.15.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.00 302.17 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 350.8333984374999 m 560.50390625 350.8333984374999 l s q 0 0 1 rg BT 151.00 352.17 Td (Second ) Tj ET Q q 0 0 1 rg BT 182.70 352.17 Td (Amendment ) Tj ET Q q 0 0 1 rg BT 235.04 352.17 Td (to ) Tj ET Q q 0 0 1 rg BT 245.51 352.17 Td (Third ) Tj ET Q q 0 0 1 rg BT 269.99 352.17 Td (Amended ) Tj ET Q q 0 0 1 rg BT 311.77 352.17 Td (and ) Tj ET Q q 0 0 1 rg BT 329.11 352.17 Td (Restated ) Tj ET Q q 0 0 1 rg BT 366.44 352.17 Td (Loan ) Tj ET Q q 0 0 1 rg BT 389.89 352.17 Td (and ) Tj ET Q q 0 0 1 rg BT 407.24 352.17 Td (Security ) Tj ET Q q 0 0 1 rg BT 442.82 352.17 Td (Agreement, ) Tj ET Q q 0 0 1 rg BT 492.65 352.17 Td (dated ) Tj ET Q q 0 0 1 rg BT 517.21 352.17 Td (as ) Tj ET Q q 0 0 1 rg BT 528.44 352.17 Td (of ) Tj ET Q q 0 0 1 rg BT 539.67 352.17 Td (May ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 340.8333984374999 m 560.5146484375 340.8333984374999 l s q 0 0 1 rg BT 151.00 342.17 Td (18, ) Tj ET Q q 0 0 1 rg BT 165.89 342.17 Td (2016, ) Tj ET Q q 0 0 1 rg BT 190.79 342.17 Td (by ) Tj ET Q q 0 0 1 rg BT 203.18 342.17 Td (and ) Tj ET Q q 0 0 1 rg BT 220.01 342.17 Td (among ) Tj ET Q q 0 0 1 rg BT 249.63 342.17 Td (the ) Tj ET Q q 0 0 1 rg BT 264.24 342.17 Td (Conn) Tj ET Q q 0 0 1 rg BT 288.68 342.17 Td (s, ) Tj ET Q q 0 0 1 rg BT 297.47 342.17 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 317.63 342.17 Td (as ) Tj ET Q q 0 0 1 rg BT 328.36 342.17 Td (parent ) Tj ET Q q 0 0 1 rg BT 355.74 342.17 Td (and ) Tj ET Q q 0 0 1 rg BT 372.57 342.17 Td (guarantor) Tj ET Q q 0 0 1 rg BT 410.48 342.17 Td (, ) Tj ET Q q 0 0 1 rg BT 415.38 342.17 Td (Conn ) Tj ET Q q 0 0 1 rg BT 438.91 342.17 Td (Appliances, ) Tj ET Q q 0 0 1 rg BT 488.79 342.17 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 508.96 342.17 Td (Conn ) Tj ET Q q 0 0 1 rg BT 533.02 342.17 Td (Credit ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 330.8333984374999 m 560.5126953125 330.8333984374999 l s q 0 0 1 rg BT 151.00 332.17 Td (I, ) Tj ET Q q 0 0 1 rg BT 159.53 332.17 Td (LP) Tj ET Q q 0 0 1 rg BT 170.83 332.17 Td ( ) Tj ET Q q 0 0 1 rg BT 173.52 332.17 Td (and ) Tj ET Q q 0 0 1 rg BT 190.66 332.17 Td (Conn ) Tj ET Q q 0 0 1 rg BT 215.02 332.17 Td (Credit ) Tj ET Q q 0 0 1 rg BT 242.72 332.17 Td (Corporation, ) Tj ET Q q 0 0 1 rg BT 296.24 332.17 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 316.70 332.17 Td (as ) Tj ET Q q 0 0 1 rg BT 327.73 332.17 Td (borrowers, ) Tj ET Q q 0 0 1 rg BT 373.47 332.17 Td (certain ) Tj ET Q q 0 0 1 rg BT 403.37 332.17 Td (banks ) Tj ET Q q 0 0 1 rg BT 429.40 332.17 Td (and ) Tj ET Q q 0 0 1 rg BT 446.53 332.17 Td (financial ) Tj ET Q q 0 0 1 rg BT 484.21 332.17 Td (institutions ) Tj ET Q q 0 0 1 rg BT 531.36 332.17 Td (named ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 320.8333984374999 m 560.51220703125 320.8333984374999 l s q 0 0 1 rg BT 151.00 322.17 Td (therein, ) Tj ET Q q 0 0 1 rg BT 183.60 322.17 Td (as ) Tj ET Q q 0 0 1 rg BT 194.27 322.17 Td (lenders, ) Tj ET Q q 0 0 1 rg BT 227.98 322.17 Td (and ) Tj ET Q q 0 0 1 rg BT 244.76 322.17 Td (Bank ) Tj ET Q q 0 0 1 rg BT 268.21 322.17 Td (of ) Tj ET Q q 0 0 1 rg BT 278.36 322.17 Td (America ) Tj ET Q q 0 0 1 rg BT 315.12 322.17 Td (N.A., ) Tj ET Q q 0 0 1 rg BT 339.40 322.17 Td (in ) Tj ET Q q 0 0 1 rg BT 349.52 322.17 Td (its ) Tj ET Q q 0 0 1 rg BT 361.30 322.17 Td (capacity ) Tj ET Q q 0 0 1 rg BT 396.95 322.17 Td (as ) Tj ET Q q 0 0 1 rg BT 407.62 322.17 Td (agent ) Tj ET Q q 0 0 1 rg BT 431.61 322.17 Td (for ) Tj ET Q q 0 0 1 rg BT 445.61 322.17 Td (lenders ) Tj ET Q q 0 0 1 rg BT 476.83 322.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 533.03 322.17 Td (herein ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 310.8333984374999 m 560.515625 310.8333984374999 l s q 0 0 1 rg BT 151.00 312.17 Td (by ) Tj ET Q q 0 0 1 rg BT 163.39 312.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 202.96 312.17 Td (to ) Tj ET Q q 0 0 1 rg BT 213.13 312.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 244.96 312.17 Td (10.1 ) Tj ET Q q 0 0 1 rg BT 264.85 312.17 Td (to ) Tj ET Q q 0 0 1 rg BT 275.02 312.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 299.08 312.17 Td (8-K ) Tj ET Q q 0 0 1 rg BT 317.02 312.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 338.29 312.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 355.40 312.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 404.45 312.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 425.17 312.17 Td (with ) Tj ET Q q 0 0 1 rg BT 445.34 312.17 Td (the ) Tj ET Q q 0 0 1 rg BT 459.94 312.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 501.76 312.17 Td (and ) Tj ET Q q 0 0 1 rg BT 518.59 312.17 Td (Exchange ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 300.8333984374999 m 275.7265625 300.8333984374999 l s q 0 0 1 rg BT 151.00 302.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 204.07 302.17 Td (on ) Tj ET Q q 0 0 1 rg BT 216.57 302.17 Td (May ) Tj ET Q q 0 0 1 rg BT 237.40 302.17 Td (20, ) Tj ET Q q 0 0 1 rg BT 252.40 302.17 Td (2016\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.50 258.12 Td (10.15.3) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 276.8333984374999 m 560.5009765625 276.8333984374999 l s q 0 0 1 rg BT 151.00 278.17 Td (Third ) Tj ET Q q 0 0 1 rg BT 175.45 278.17 Td (Amendment ) Tj ET Q q 0 0 1 rg BT 227.74 278.17 Td (to ) Tj ET Q q 0 0 1 rg BT 238.17 278.17 Td (Third ) Tj ET Q q 0 0 1 rg BT 262.62 278.17 Td (Amended ) Tj ET Q q 0 0 1 rg BT 304.36 278.17 Td (and ) Tj ET Q q 0 0 1 rg BT 321.66 278.17 Td (Restated ) Tj ET Q q 0 0 1 rg BT 358.95 278.17 Td (Loan ) Tj ET Q q 0 0 1 rg BT 382.36 278.17 Td (and ) Tj ET Q q 0 0 1 rg BT 399.66 278.17 Td (Security ) Tj ET Q q 0 0 1 rg BT 435.22 278.17 Td (Agreement, ) Tj ET Q q 0 0 1 rg BT 485.00 278.17 Td (dated ) Tj ET Q q 0 0 1 rg BT 509.52 278.17 Td (as ) Tj ET Q q 0 0 1 rg BT 520.71 278.17 Td (of ) Tj ET Q q 0 0 1 rg BT 531.90 278.17 Td (March ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 266.8333984374999 m 560.5146484375 266.8333984374999 l s q 0 0 1 rg BT 151.00 268.17 Td (31, ) Tj ET Q q 0 0 1 rg BT 165.89 268.17 Td (2017, ) Tj ET Q q 0 0 1 rg BT 190.79 268.17 Td (by ) Tj ET Q q 0 0 1 rg BT 203.18 268.17 Td (and ) Tj ET Q q 0 0 1 rg BT 220.01 268.17 Td (among ) Tj ET Q q 0 0 1 rg BT 249.63 268.17 Td (the ) Tj ET Q q 0 0 1 rg BT 264.24 268.17 Td (Conn) Tj ET Q q 0 0 1 rg BT 288.68 268.17 Td (s, ) Tj ET Q q 0 0 1 rg BT 297.47 268.17 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 317.63 268.17 Td (as ) Tj ET Q q 0 0 1 rg BT 328.36 268.17 Td (parent ) Tj ET Q q 0 0 1 rg BT 355.74 268.17 Td (and ) Tj ET Q q 0 0 1 rg BT 372.57 268.17 Td (guarantor) Tj ET Q q 0 0 1 rg BT 410.48 268.17 Td (, ) Tj ET Q q 0 0 1 rg BT 415.38 268.17 Td (Conn ) Tj ET Q q 0 0 1 rg BT 438.91 268.17 Td (Appliances, ) Tj ET Q q 0 0 1 rg BT 488.79 268.17 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 508.96 268.17 Td (Conn ) Tj ET Q q 0 0 1 rg BT 533.02 268.17 Td (Credit ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 256.8333984374999 m 560.5126953125 256.8333984374999 l s q 0 0 1 rg BT 151.00 258.17 Td (I, ) Tj ET Q q 0 0 1 rg BT 159.53 258.17 Td (LP) Tj ET Q q 0 0 1 rg BT 170.83 258.17 Td ( ) Tj ET Q q 0 0 1 rg BT 173.52 258.17 Td (and ) Tj ET Q q 0 0 1 rg BT 190.66 258.17 Td (Conn ) Tj ET Q q 0 0 1 rg BT 215.02 258.17 Td (Credit ) Tj ET Q q 0 0 1 rg BT 242.72 258.17 Td (Corporation, ) Tj ET Q q 0 0 1 rg BT 296.24 258.17 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 316.70 258.17 Td (as ) Tj ET Q q 0 0 1 rg BT 327.73 258.17 Td (borrowers, ) Tj ET Q q 0 0 1 rg BT 373.47 258.17 Td (certain ) Tj ET Q q 0 0 1 rg BT 403.37 258.17 Td (banks ) Tj ET Q q 0 0 1 rg BT 429.40 258.17 Td (and ) Tj ET Q q 0 0 1 rg BT 446.53 258.17 Td (financial ) Tj ET Q q 0 0 1 rg BT 484.21 258.17 Td (institutions ) Tj ET Q q 0 0 1 rg BT 531.36 258.17 Td (named ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 246.8333984374999 m 560.5107421875 246.8333984374999 l s q 0 0 1 rg BT 151.00 248.17 Td (therein, ) Tj ET Q q 0 0 1 rg BT 183.81 248.17 Td (as ) Tj ET Q q 0 0 1 rg BT 194.69 248.17 Td (lenders, ) Tj ET Q q 0 0 1 rg BT 228.62 248.17 Td (and ) Tj ET Q q 0 0 1 rg BT 245.60 248.17 Td (Bank ) Tj ET Q q 0 0 1 rg BT 269.26 248.17 Td (of ) Tj ET Q q 0 0 1 rg BT 279.58 248.17 Td (America ) Tj ET Q q 0 0 1 rg BT 316.55 248.17 Td (N.A., ) Tj ET Q q 0 0 1 rg BT 341.04 248.17 Td (in ) Tj ET Q q 0 0 1 rg BT 351.37 248.17 Td (its ) Tj ET Q q 0 0 1 rg BT 363.37 248.17 Td (capacity ) Tj ET Q q 0 0 1 rg BT 399.23 248.17 Td (as ) Tj ET Q q 0 0 1 rg BT 410.11 248.17 Td (agent ) Tj ET Q q 0 0 1 rg BT 434.31 248.17 Td (for ) Tj ET Q q 0 0 1 rg BT 448.52 248.17 Td (lenders ) Tj ET Q q 0 0 1 rg BT 479.94 248.17 Td (incorporated ) Tj ET Q q 0 0 1 rg BT 533.03 248.17 Td (herein ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 236.8333984374999 m 560.51416015625 236.8333984374999 l s q 0 0 1 rg BT 151.00 238.17 Td (by ) Tj ET Q q 0 0 1 rg BT 163.67 238.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 203.53 238.17 Td (to ) Tj ET Q q 0 0 1 rg BT 213.98 238.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 246.10 238.17 Td (10.18.3 ) Tj ET Q q 0 0 1 rg BT 278.77 238.17 Td (to ) Tj ET Q q 0 0 1 rg BT 289.22 238.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 313.57 238.17 Td (10-K ) Tj ET Q q 0 0 1 rg BT 336.79 238.17 Td (for ) Tj ET Q q 0 0 1 rg BT 351.12 238.17 Td (the ) Tj ET Q q 0 0 1 rg BT 366.01 238.17 Td (annual ) Tj ET Q q 0 0 1 rg BT 395.34 238.17 Td (period ) Tj ET Q q 0 0 1 rg BT 423.56 238.17 Td (ended ) Tj ET Q q 0 0 1 rg BT 450.11 238.17 Td (January ) Tj ET Q q 0 0 1 rg BT 483.89 238.17 Td (31, ) Tj ET Q q 0 0 1 rg BT 499.06 238.17 Td (2017 ) Tj ET Q q 0 0 1 rg BT 521.73 238.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 543.29 238.17 Td (No. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 226.8333984374999 m 486.2294921875 226.8333984374999 l s q 0 0 1 rg BT 151.00 228.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 200.16 228.17 Td (as ) Tj ET Q q 0 0 1 rg BT 210.99 228.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 231.82 228.17 Td (with ) Tj ET Q q 0 0 1 rg BT 252.09 228.17 Td (the ) Tj ET Q q 0 0 1 rg BT 266.81 228.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 308.74 228.17 Td (and ) Tj ET Q q 0 0 1 rg BT 325.68 228.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 367.61 228.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 420.67 228.17 Td (on ) Tj ET Q q 0 0 1 rg BT 432.62 228.17 Td (April ) Tj ET Q q 0 0 1 rg BT 456.23 228.17 Td (4, ) Tj ET Q q 0 0 1 rg BT 466.23 228.17 Td (2017) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.25 194.12 Td (10.16) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 212.7333984375 m 560.5078125 212.7333984375 l s q 0 0 1 rg BT 151.00 214.07 Td (Omnibus ) Tj ET Q q 0 0 1 rg BT 190.37 214.07 Td (Amendment ) Tj ET Q q 0 0 1 rg BT 243.27 214.07 Td (and ) Tj ET Q q 0 0 1 rg BT 261.17 214.07 Td (Reaf) Tj ET Q q 0 0 1 rg BT 279.87 214.07 Td (firmation ) Tj ET Q q 0 0 1 rg BT 320.55 214.07 Td (of ) Tj ET Q q 0 0 1 rg BT 332.34 214.07 Td (Existing ) Tj ET Q q 0 0 1 rg BT 368.38 214.07 Td (Ancillary ) Tj ET Q q 0 0 1 rg BT 409.61 214.07 Td (Documents, ) Tj ET Q q 0 0 1 rg BT 461.12 214.07 Td (dated ) Tj ET Q q 0 0 1 rg BT 486.24 214.07 Td (as ) Tj ET Q q 0 0 1 rg BT 498.04 214.07 Td (of ) Tj ET Q q 0 0 1 rg BT 509.83 214.07 Td (October ) Tj ET Q q 0 0 1 rg BT 545.51 214.07 Td (30, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 202.7333984375 m 560.5009765625 202.7333984375 l s q 0 0 1 rg BT 151.00 204.07 Td (2015, ) Tj ET Q q 0 0 1 rg BT 174.92 204.07 Td (by ) Tj ET Q q 0 0 1 rg BT 186.33 204.07 Td (and ) Tj ET Q q 0 0 1 rg BT 202.18 204.07 Td (among ) Tj ET Q q 0 0 1 rg BT 230.82 204.07 Td (Conn) Tj ET Q q 0 0 1 rg BT 255.26 204.07 Td (s ) Tj ET Q q 0 0 1 rg BT 260.57 204.07 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 279.75 204.07 Td (Conn ) Tj ET Q q 0 0 1 rg BT 302.53 204.07 Td (Appliances, ) Tj ET Q q 0 0 1 rg BT 351.43 204.07 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 370.61 204.07 Td (Conn ) Tj ET Q q 0 0 1 rg BT 393.70 204.07 Td (Credit ) Tj ET Q q 0 0 1 rg BT 420.11 204.07 Td (I, ) Tj ET Q q 0 0 1 rg BT 427.35 204.07 Td (LP) Tj ET Q q 0 0 1 rg BT 437.91 204.07 Td (, ) Tj ET Q q 0 0 1 rg BT 441.83 204.07 Td (and ) Tj ET Q q 0 0 1 rg BT 457.68 204.07 Td (Conn ) Tj ET Q q 0 0 1 rg BT 480.77 204.07 Td (Credit ) Tj ET Q q 0 0 1 rg BT 507.18 204.07 Td (Corporation, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 192.7333984375 m 560.5 192.7333984375 l s q 0 0 1 rg BT 151.00 194.07 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 172.74 194.07 Td (the ) Tj ET Q q 0 0 1 rg BT 188.93 194.07 Td (guarantors ) Tj ET Q q 0 0 1 rg BT 235.11 194.07 Td (party ) Tj ET Q q 0 0 1 rg BT 259.63 194.07 Td (thereto ) Tj ET Q q 0 0 1 rg BT 291.37 194.07 Td (and ) Tj ET Q q 0 0 1 rg BT 309.78 194.07 Td (Bank ) Tj ET Q q 0 0 1 rg BT 334.86 194.07 Td (of ) Tj ET Q q 0 0 1 rg BT 346.29 194.07 Td (America, ) Tj ET Q q 0 0 1 rg BT 387.19 194.07 Td (N.A., ) Tj ET Q q 0 0 1 rg BT 413.10 194.07 Td (in ) Tj ET Q q 0 0 1 rg BT 424.85 194.07 Td (its ) Tj ET Q q 0 0 1 rg BT 438.27 194.07 Td (capacity ) Tj ET Q q 0 0 1 rg BT 475.56 194.07 Td (as ) Tj ET Q q 0 0 1 rg BT 487.86 194.07 Td (agent ) Tj ET Q q 0 0 1 rg BT 513.49 194.07 Td (for ) Tj ET Q q 0 0 1 rg BT 529.12 194.07 Td (lenders ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 182.7333984375 m 560.5068359375 182.7333984375 l s q 0 0 1 rg BT 151.00 184.07 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 207.63 184.07 Td (herein ) Tj ET Q q 0 0 1 rg BT 235.39 184.07 Td (by ) Tj ET Q q 0 0 1 rg BT 248.16 184.07 Td (reference ) Tj ET Q q 0 0 1 rg BT 288.11 184.07 Td (to ) Tj ET Q q 0 0 1 rg BT 298.66 184.07 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 330.88 184.07 Td (10.2 ) Tj ET Q q 0 0 1 rg BT 351.15 184.07 Td (to ) Tj ET Q q 0 0 1 rg BT 361.70 184.07 Td (Form ) Tj ET Q q 0 0 1 rg BT 386.14 184.07 Td (8-K ) Tj ET Q q 0 0 1 rg BT 404.46 184.07 Td (\(File ) Tj ET Q q 0 0 1 rg BT 426.12 184.07 Td (No. ) Tj ET Q q 0 0 1 rg BT 443.61 184.07 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 493.04 184.07 Td (as ) Tj ET Q q 0 0 1 rg BT 504.14 184.07 Td (filed ) Tj ET Q q 0 0 1 rg BT 525.24 184.07 Td (with ) Tj ET Q q 0 0 1 rg BT 545.79 184.07 Td (the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 172.7333984375 m 395.3994140625 172.7333984375 l s q 0 0 1 rg BT 151.00 174.07 Td (Securities ) Tj ET Q q 0 0 1 rg BT 192.93 174.07 Td (and ) Tj ET Q q 0 0 1 rg BT 209.87 174.07 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 251.80 174.07 Td (Commission ) Tj ET Q q 0 0 1 rg BT 304.86 174.07 Td (on ) Tj ET Q q 0 0 1 rg BT 317.36 174.07 Td (November ) Tj ET Q q 0 0 1 rg BT 362.07 174.07 Td (2, ) Tj ET Q q 0 0 1 rg BT 372.07 174.07 Td (2015\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.25 149.62 Td (10.17) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 157.8333984374999 m 560.5009765625 157.8333984374999 l s q 0 0 1 rg BT 151.00 159.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 175.19 159.17 Td (of ) Tj ET Q q 0 0 1 rg BT 186.03 159.17 Td (Indemnification ) Tj ET Q q 0 0 1 rg BT 251.86 159.17 Td (Agreement ) Tj ET Q q 0 0 1 rg BT 298.80 159.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 355.18 159.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 382.68 159.17 Td (by ) Tj ET Q q 0 0 1 rg BT 395.20 159.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 434.89 159.17 Td (to ) Tj ET Q q 0 0 1 rg BT 445.19 159.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 477.15 159.17 Td (10.16 ) Tj ET Q q 0 0 1 rg BT 502.16 159.17 Td (to ) Tj ET Q q 0 0 1 rg BT 512.46 159.17 Td (registration ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 147.8333984374999 m 560.4970703125 147.8333984374999 l s q 0 0 1 rg BT 151.00 149.17 Td (statement ) Tj ET Q q 0 0 1 rg BT 191.44 149.17 Td (on ) Tj ET Q q 0 0 1 rg BT 203.56 149.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 227.35 149.17 Td (S-1 ) Tj ET Q q 0 0 1 rg BT 243.36 149.17 Td (\(file ) Tj ET Q q 0 0 1 rg BT 262.13 149.17 Td (no. ) Tj ET Q q 0 0 1 rg BT 276.75 149.17 Td (333-109046\) ) Tj ET Q q 0 0 1 rg BT 330.53 149.17 Td (as ) Tj ET Q q 0 0 1 rg BT 340.98 149.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 361.42 149.17 Td (with ) Tj ET Q q 0 0 1 rg BT 381.32 149.17 Td (the ) Tj ET Q q 0 0 1 rg BT 395.66 149.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 437.21 149.17 Td (and ) Tj ET Q q 0 0 1 rg BT 453.77 149.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 495.31 149.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 548.00 149.17 Td (on ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 137.8333984374999 m 234.59375 137.8333984374999 l s q 0 0 1 rg BT 151.00 139.17 Td (September ) Tj ET Q q 0 0 1 rg BT 196.26 139.17 Td (23, ) Tj ET Q q 0 0 1 rg BT 211.26 139.17 Td (2003\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.25 105.12 Td (10.18) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 123.7333984375 m 560.49755859375 123.7333984375 l s q 0 0 1 rg BT 151.00 125.07 Td (Note ) Tj ET Q q 0 0 1 rg BT 174.78 125.07 Td (Purchase ) Tj ET Q q 0 0 1 rg BT 214.27 125.07 Td (Agreement, ) Tj ET Q q 0 0 1 rg BT 265.53 125.07 Td (dated ) Tj ET Q q 0 0 1 rg BT 291.53 125.07 Td (as ) Tj ET Q q 0 0 1 rg BT 304.21 125.07 Td (of ) Tj ET Q q 0 0 1 rg BT 316.88 125.07 Td (September ) Tj ET Q q 0 0 1 rg BT 363.99 125.07 Td (29, ) Tj ET Q q 0 0 1 rg BT 380.83 125.07 Td (2016, ) Tj ET Q q 0 0 1 rg BT 407.68 125.07 Td (by ) Tj ET Q q 0 0 1 rg BT 422.02 125.07 Td (and ) Tj ET Q q 0 0 1 rg BT 440.80 125.07 Td (among ) Tj ET Q q 0 0 1 rg BT 472.36 125.07 Td (Conn) Tj ET Q q 0 0 1 rg BT 496.81 125.07 Td (s, ) Tj ET Q q 0 0 1 rg BT 507.55 125.07 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 529.66 125.07 Td (Conn) Tj ET Q q 0 0 1 rg BT 554.11 125.07 Td (s ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 113.7333984375 m 560.5087890625 113.7333984375 l s q 0 0 1 rg BT 151.00 115.07 Td (Receivables ) Tj ET Q q 0 0 1 rg BT 202.25 115.07 Td (Funding ) Tj ET Q q 0 0 1 rg BT 238.52 115.07 Td (2016-B, ) Tj ET Q q 0 0 1 rg BT 273.95 115.07 Td (LLC, ) Tj ET Q q 0 0 1 rg BT 298.28 115.07 Td (Conn ) Tj ET Q q 0 0 1 rg BT 322.23 115.07 Td (Appliances, ) Tj ET Q q 0 0 1 rg BT 372.65 115.07 Td (Inc. ) Tj ET Q q 0 0 1 rg BT 390.86 115.07 Td (and ) Tj ET Q q 0 0 1 rg BT 408.23 115.07 Td (Credit ) Tj ET Q q 0 0 1 rg BT 436.16 115.07 Td (Suisse ) Tj ET Q q 0 0 1 rg BT 464.65 115.07 Td (Securities ) Tj ET Q q 0 0 1 rg BT 507.02 115.07 Td (\(USA\) ) Tj ET Q q 0 0 1 rg BT 536.62 115.07 Td (LLC, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 103.7333984375 m 560.50927734375 103.7333984375 l s q 0 0 1 rg BT 151.00 105.07 Td (Deutsche ) Tj ET Q q 0 0 1 rg BT 190.27 105.07 Td (Bank ) Tj ET Q q 0 0 1 rg BT 213.45 105.07 Td (Securities ) Tj ET Q q 0 0 1 rg BT 254.95 105.07 Td (Inc. ) Tj ET Q q 0 0 1 rg BT 272.29 105.07 Td (and ) Tj ET Q q 0 0 1 rg BT 288.80 105.07 Td (MUFG ) Tj ET Q q 0 0 1 rg BT 319.76 105.07 Td (Securities ) Tj ET Q q 0 0 1 rg BT 360.80 105.07 Td (Americas, ) Tj ET Q q 0 0 1 rg BT 403.69 105.07 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 423.52 105.07 Td (as ) Tj ET Q q 0 0 1 rg BT 433.92 105.07 Td (initial ) Tj ET Q q 0 0 1 rg BT 459.32 105.07 Td (purchasers ) Tj ET Q q 0 0 1 rg BT 504.15 105.07 Td (\(incorporated ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 93.7333984375 m 560.51220703125 93.7333984375 l s q 0 0 1 rg BT 151.00 95.07 Td (herein ) Tj ET Q q 0 0 1 rg BT 178.89 95.07 Td (by ) Tj ET Q q 0 0 1 rg BT 191.79 95.07 Td (reference ) Tj ET Q q 0 0 1 rg BT 231.87 95.07 Td (to ) Tj ET Q q 0 0 1 rg BT 242.55 95.07 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 274.90 95.07 Td (1.1 ) Tj ET Q q 0 0 1 rg BT 290.30 95.07 Td (to ) Tj ET Q q 0 0 1 rg BT 300.98 95.07 Td (Form ) Tj ET Q q 0 0 1 rg BT 325.55 95.07 Td (8-K ) Tj ET Q q 0 0 1 rg BT 344.01 95.07 Td (\(File ) Tj ET Q q 0 0 1 rg BT 365.79 95.07 Td (No. ) Tj ET Q q 0 0 1 rg BT 383.42 95.07 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 432.98 95.07 Td (as ) Tj ET Q q 0 0 1 rg BT 444.21 95.07 Td (filed ) Tj ET Q q 0 0 1 rg BT 465.44 95.07 Td (with ) Tj ET Q q 0 0 1 rg BT 486.12 95.07 Td (the ) Tj ET Q q 0 0 1 rg BT 501.24 95.07 Td (Securities ) Tj ET Q q 0 0 1 rg BT 543.57 95.07 Td (and ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 83.7333984375 m 326.52734375 83.7333984375 l s q 0 0 1 rg BT 151.00 85.07 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 192.92 85.07 Td (Commission ) Tj ET Q q 0 0 1 rg BT 245.99 85.07 Td (on ) Tj ET Q q 0 0 1 rg BT 258.49 85.07 Td (October ) Tj ET Q q 0 0 1 rg BT 293.20 85.07 Td (7, ) Tj ET Q q 0 0 1 rg BT 303.20 85.07 Td (2016\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.25 61.12 Td (10.19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.00 51.17 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 69.7333984375 m 560.5068359375 69.7333984375 l s q 0 0 1 rg BT 151.00 71.07 Td (Receivables ) Tj ET Q q 0 0 1 rg BT 201.52 71.07 Td (Purchase ) Tj ET Q q 0 0 1 rg BT 239.34 71.07 Td (Agreement, ) Tj ET Q q 0 0 1 rg BT 288.48 71.07 Td (dated ) Tj ET Q q 0 0 1 rg BT 312.35 71.07 Td (as ) Tj ET Q q 0 0 1 rg BT 322.89 71.07 Td (of ) Tj ET Q q 0 0 1 rg BT 333.43 71.07 Td (October ) Tj ET Q q 0 0 1 rg BT 367.85 71.07 Td (6, ) Tj ET Q q 0 0 1 rg BT 377.56 71.07 Td (2016, ) Tj ET Q q 0 0 1 rg BT 402.27 71.07 Td (by ) Tj ET Q q 0 0 1 rg BT 414.49 71.07 Td (and ) Tj ET Q q 0 0 1 rg BT 431.14 71.07 Td (between ) Tj ET Q q 0 0 1 rg BT 466.66 71.07 Td (Conn ) Tj ET Q q 0 0 1 rg BT 490.55 71.07 Td (Credit ) Tj ET Q q 0 0 1 rg BT 517.75 71.07 Td (I, ) Tj ET Q q 0 0 1 rg BT 525.79 71.07 Td (L.P) Tj ET Q q 0 0 1 rg BT 538.86 71.07 Td (. ) Tj ET Q q 0 0 1 rg BT 543.57 71.07 Td (and ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 59.7333984375 m 560.5048828125 59.7333984375 l s q 0 0 1 rg BT 151.00 61.07 Td (Conn ) Tj ET Q q 0 0 1 rg BT 174.32 61.07 Td (Appliances ) Tj ET Q q 0 0 1 rg BT 221.43 61.07 Td (Receivables ) Tj ET Q q 0 0 1 rg BT 271.86 61.07 Td (Funding, ) Tj ET Q q 0 0 1 rg BT 309.82 61.07 Td (LLC ) Tj ET Q q 0 0 1 rg BT 330.83 61.07 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 386.82 61.07 Td (herein ) Tj ET Q q 0 0 1 rg BT 413.92 61.07 Td (by ) Tj ET Q q 0 0 1 rg BT 426.04 61.07 Td (reference ) Tj ET Q q 0 0 1 rg BT 465.35 61.07 Td (to ) Tj ET Q q 0 0 1 rg BT 475.25 61.07 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 506.81 61.07 Td (10.1 ) Tj ET Q q 0 0 1 rg BT 526.44 61.07 Td (to ) Tj ET Q q 0 0 1 rg BT 536.33 61.07 Td (Form ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 49.7333984375 m 557.8701171875 49.7333984375 l s q 0 0 1 rg BT 151.00 51.07 Td (8-K ) Tj ET Q q 0 0 1 rg BT 169.05 51.07 Td (\(File ) Tj ET Q q 0 0 1 rg BT 190.44 51.07 Td (No. ) Tj ET Q q 0 0 1 rg BT 207.66 51.07 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 256.82 51.07 Td (as ) Tj ET Q q 0 0 1 rg BT 267.65 51.07 Td (filed ) Tj ET Q q 0 0 1 rg BT 288.48 51.07 Td (with ) Tj ET Q q 0 0 1 rg BT 308.75 51.07 Td (the ) Tj ET Q q 0 0 1 rg BT 323.47 51.07 Td (Securities ) Tj ET Q q 0 0 1 rg BT 365.40 51.07 Td (and ) Tj ET Q q 0 0 1 rg BT 382.34 51.07 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 424.27 51.07 Td (Commission ) Tj ET Q q 0 0 1 rg BT 477.33 51.07 Td (on ) Tj ET Q q 0 0 1 rg BT 489.83 51.07 Td (October ) Tj ET Q q 0 0 1 rg BT 524.54 51.07 Td (7, ) Tj ET Q q 0 0 1 rg BT 534.54 51.07 Td (2016\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL endstream endobj 209 0 obj <>] /Rotate 0 /Contents 210 0 R>> endobj 210 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (103) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 748.50 57.00 -47.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 748.50 6.00 -47.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 748.50 413.00 -47.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 651.50 57.00 -45.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 651.50 6.00 -45.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 651.50 413.00 -45.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 554.50 57.00 -42.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 554.50 6.00 -42.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 554.50 413.00 -42.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 464.50 57.00 -43.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 464.50 6.00 -43.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 464.50 413.00 -43.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 379.50 57.00 -66.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 379.50 6.00 -66.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 379.50 413.00 -66.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 257.50 57.00 -57.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 257.50 6.00 -57.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 257.50 413.00 -57.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 145.50 57.00 -49.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 145.50 6.00 -49.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 145.50 413.00 -49.00 re f /GS0 gs BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.25 722.62 Td (10.20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.00 706.17 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 734.8333984374999 m 560.501953125 734.8333984374999 l s q 0 0 1 rg BT 151.00 736.17 Td (Receivables ) Tj ET Q q 0 0 1 rg BT 203.35 736.17 Td (Purchase ) Tj ET Q q 0 0 1 rg BT 242.60 736.17 Td (Agreement, ) Tj ET Q q 0 0 1 rg BT 293.56 736.17 Td (dated ) Tj ET Q q 0 0 1 rg BT 319.26 736.17 Td (as ) Tj ET Q q 0 0 1 rg BT 331.63 736.17 Td (of ) Tj ET Q q 0 0 1 rg BT 344.00 736.17 Td (October ) Tj ET Q q 0 0 1 rg BT 380.24 736.17 Td (6, ) Tj ET Q q 0 0 1 rg BT 391.78 736.17 Td (2016, ) Tj ET Q q 0 0 1 rg BT 418.32 736.17 Td (by ) Tj ET Q q 0 0 1 rg BT 432.36 736.17 Td (and ) Tj ET Q q 0 0 1 rg BT 450.84 736.17 Td (between ) Tj ET Q q 0 0 1 rg BT 488.20 736.17 Td (Conn ) Tj ET Q q 0 0 1 rg BT 513.02 736.17 Td (Appliances ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 724.8333984374999 m 560.49658203125 724.8333984374999 l s q 0 0 1 rg BT 151.00 726.17 Td (Receivables ) Tj ET Q q 0 0 1 rg BT 201.68 726.17 Td (Funding, ) Tj ET Q q 0 0 1 rg BT 239.90 726.17 Td (LLC ) Tj ET Q q 0 0 1 rg BT 261.16 726.17 Td (and ) Tj ET Q q 0 0 1 rg BT 277.97 726.17 Td (Conn) Tj ET Q q 0 0 1 rg BT 302.42 726.17 Td (s ) Tj ET Q q 0 0 1 rg BT 308.68 726.17 Td (Receivables ) Tj ET Q q 0 0 1 rg BT 359.36 726.17 Td (2016-B ) Tj ET Q q 0 0 1 rg BT 391.57 726.17 Td (T) Tj ET Q q 0 0 1 rg BT 397.32 726.17 Td (rust ) Tj ET Q q 0 0 1 rg BT 414.70 726.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 470.93 726.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 498.29 726.17 Td (by ) Tj ET Q q 0 0 1 rg BT 510.66 726.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 550.22 726.17 Td (to ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 714.8333984374999 m 560.501953125 714.8333984374999 l s q 0 0 1 rg BT 151.00 716.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 182.73 716.17 Td (10.2 ) Tj ET Q q 0 0 1 rg BT 202.51 716.17 Td (to ) Tj ET Q q 0 0 1 rg BT 212.58 716.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 236.53 716.17 Td (8-K ) Tj ET Q q 0 0 1 rg BT 254.37 716.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 275.54 716.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 292.55 716.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 341.49 716.17 Td (as ) Tj ET Q q 0 0 1 rg BT 352.11 716.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 372.72 716.17 Td (with ) Tj ET Q q 0 0 1 rg BT 392.78 716.17 Td (the ) Tj ET Q q 0 0 1 rg BT 407.28 716.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 449.00 716.17 Td (and ) Tj ET Q q 0 0 1 rg BT 465.73 716.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 507.44 716.17 Td (Commission ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 704.8333984374999 m 231.537109375 704.8333984374999 l s q 0 0 1 rg BT 151.00 706.17 Td (on ) Tj ET Q q 0 0 1 rg BT 163.50 706.17 Td (October ) Tj ET Q q 0 0 1 rg BT 198.21 706.17 Td (7, ) Tj ET Q q 0 0 1 rg BT 208.21 706.17 Td (2016\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.25 674.12 Td (10.21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.00 656.17 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 684.8333984374999 m 560.50634765625 684.8333984374999 l s q 0 0 1 rg BT 151.00 686.17 Td (Purchase ) Tj ET Q q 0 0 1 rg BT 188.41 686.17 Td (and ) Tj ET Q q 0 0 1 rg BT 204.16 686.17 Td (Sale ) Tj ET Q q 0 0 1 rg BT 222.40 686.17 Td (Agreement, ) Tj ET Q q 0 0 1 rg BT 270.63 686.17 Td (dated ) Tj ET Q q 0 0 1 rg BT 293.60 686.17 Td (as ) Tj ET Q q 0 0 1 rg BT 303.24 686.17 Td (of ) Tj ET Q q 0 0 1 rg BT 312.88 686.17 Td (October ) Tj ET Q q 0 0 1 rg BT 346.40 686.17 Td (6, ) Tj ET Q q 0 0 1 rg BT 355.21 686.17 Td (2016, ) Tj ET Q q 0 0 1 rg BT 379.02 686.17 Td (by ) Tj ET Q q 0 0 1 rg BT 390.33 686.17 Td (and ) Tj ET Q q 0 0 1 rg BT 406.08 686.17 Td (between ) Tj ET Q q 0 0 1 rg BT 440.71 686.17 Td (Conn ) Tj ET Q q 0 0 1 rg BT 463.40 686.17 Td (Appliances ) Tj ET Q q 0 0 1 rg BT 509.70 686.17 Td (Receivables ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 674.8333984374999 m 560.51123046875 674.8333984374999 l s q 0 0 1 rg BT 151.00 676.17 Td (Funding, ) Tj ET Q q 0 0 1 rg BT 189.14 676.17 Td (LLC ) Tj ET Q q 0 0 1 rg BT 210.32 676.17 Td (and ) Tj ET Q q 0 0 1 rg BT 227.05 676.17 Td (Conn) Tj ET Q q 0 0 1 rg BT 251.50 676.17 Td (s ) Tj ET Q q 0 0 1 rg BT 257.69 676.17 Td (Receivables ) Tj ET Q q 0 0 1 rg BT 308.30 676.17 Td (2016-B ) Tj ET Q q 0 0 1 rg BT 340.43 676.17 Td (T) Tj ET Q q 0 0 1 rg BT 346.18 676.17 Td (rust ) Tj ET Q q 0 0 1 rg BT 363.48 676.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 419.64 676.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 446.92 676.17 Td (by ) Tj ET Q q 0 0 1 rg BT 459.22 676.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 498.70 676.17 Td (to ) Tj ET Q q 0 0 1 rg BT 508.77 676.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 540.51 676.17 Td (10.3 ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 664.8333984374999 m 560.51171875 664.8333984374999 l s q 0 0 1 rg BT 151.00 666.17 Td (to ) Tj ET Q q 0 0 1 rg BT 161.38 666.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 185.65 666.17 Td (8-K ) Tj ET Q q 0 0 1 rg BT 203.80 666.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 225.29 666.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 242.62 666.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 291.88 666.17 Td (as ) Tj ET Q q 0 0 1 rg BT 302.81 666.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 323.74 666.17 Td (with ) Tj ET Q q 0 0 1 rg BT 344.12 666.17 Td (the ) Tj ET Q q 0 0 1 rg BT 358.93 666.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 400.97 666.17 Td (and ) Tj ET Q q 0 0 1 rg BT 418.01 666.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 460.04 666.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 513.20 666.17 Td (on ) Tj ET Q q 0 0 1 rg BT 525.80 666.17 Td (October ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 654.8333984374999 m 184.330078125 654.8333984374999 l s q 0 0 1 rg BT 151.00 656.17 Td (7, ) Tj ET Q q 0 0 1 rg BT 161.00 656.17 Td (2016\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.25 626.62 Td (10.22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.00 611.17 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 639.8333984374999 m 558.01171875 639.8333984374999 l s q 0 0 1 rg BT 151.00 641.17 Td (Servicing ) Tj ET Q q 0 0 1 rg BT 191.38 641.17 Td (Agreement, ) Tj ET Q q 0 0 1 rg BT 240.93 641.17 Td (dated ) Tj ET Q q 0 0 1 rg BT 265.22 641.17 Td (as ) Tj ET Q q 0 0 1 rg BT 276.18 641.17 Td (of ) Tj ET Q q 0 0 1 rg BT 287.14 641.17 Td (October ) Tj ET Q q 0 0 1 rg BT 321.98 641.17 Td (6, ) Tj ET Q q 0 0 1 rg BT 332.11 641.17 Td (2016, ) Tj ET Q q 0 0 1 rg BT 357.25 641.17 Td (by ) Tj ET Q q 0 0 1 rg BT 369.88 641.17 Td (and ) Tj ET Q q 0 0 1 rg BT 386.95 641.17 Td (among ) Tj ET Q q 0 0 1 rg BT 416.80 641.17 Td (Conn) Tj ET Q q 0 0 1 rg BT 441.24 641.17 Td (s ) Tj ET Q q 0 0 1 rg BT 447.77 641.17 Td (Receivables ) Tj ET Q q 0 0 1 rg BT 498.71 641.17 Td (Funding ) Tj ET Q q 0 0 1 rg BT 534.68 641.17 Td (2016-) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 629.8333984374999 m 560.498046875 629.8333984374999 l s q 0 0 1 rg BT 151.00 631.17 Td (B, ) Tj ET Q q 0 0 1 rg BT 163.65 631.17 Td (LLC, ) Tj ET Q q 0 0 1 rg BT 188.51 631.17 Td (Conn) Tj ET Q q 0 0 1 rg BT 212.96 631.17 Td (s ) Tj ET Q q 0 0 1 rg BT 220.33 631.17 Td (Receivables ) Tj ET Q q 0 0 1 rg BT 272.12 631.17 Td (2016-B ) Tj ET Q q 0 0 1 rg BT 305.35 631.17 Td (T) Tj ET Q q 0 0 1 rg BT 311.11 631.17 Td (rust, ) Tj ET Q q 0 0 1 rg BT 332.09 631.17 Td (Conn ) Tj ET Q q 0 0 1 rg BT 356.47 631.17 Td (Appliances, ) Tj ET Q q 0 0 1 rg BT 407.43 631.17 Td (Inc. ) Tj ET Q q 0 0 1 rg BT 426.18 631.17 Td (and ) Tj ET Q q 0 0 1 rg BT 443.85 631.17 Td (W) Tj ET Q q 0 0 1 rg BT 452.48 631.17 Td (ells ) Tj ET Q q 0 0 1 rg BT 469.85 631.17 Td (Far) Tj ET Q q 0 0 1 rg BT 483.00 631.17 Td (go ) Tj ET Q q 0 0 1 rg BT 496.48 631.17 Td (Bank, ) Tj ET Q q 0 0 1 rg BT 523.56 631.17 Td (National ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 619.8333984374999 m 560.51416015625 619.8333984374999 l s q 0 0 1 rg BT 151.00 621.17 Td (Association ) Tj ET Q q 0 0 1 rg BT 200.02 621.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 255.70 621.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 282.49 621.17 Td (by ) Tj ET Q q 0 0 1 rg BT 294.30 621.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 333.29 621.17 Td (to ) Tj ET Q q 0 0 1 rg BT 342.87 621.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 374.13 621.17 Td (10.4 ) Tj ET Q q 0 0 1 rg BT 393.43 621.17 Td (to ) Tj ET Q q 0 0 1 rg BT 403.02 621.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 426.50 621.17 Td (8-K ) Tj ET Q q 0 0 1 rg BT 443.86 621.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 464.55 621.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 481.08 621.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 529.55 621.17 Td (as ) Tj ET Q q 0 0 1 rg BT 539.69 621.17 Td (filed ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 609.8333984374999 m 420.39453125 609.8333984374999 l s q 0 0 1 rg BT 151.00 611.17 Td (with ) Tj ET Q q 0 0 1 rg BT 171.28 611.17 Td (the ) Tj ET Q q 0 0 1 rg BT 186.00 611.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 227.93 611.17 Td (and ) Tj ET Q q 0 0 1 rg BT 244.87 611.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 286.79 611.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 339.86 611.17 Td (on ) Tj ET Q q 0 0 1 rg BT 352.36 611.17 Td (October ) Tj ET Q q 0 0 1 rg BT 387.06 611.17 Td (7, ) Tj ET Q q 0 0 1 rg BT 397.06 611.17 Td (2016\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.25 578.12 Td (10.23) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 595.7333984375 m 542.03515625 595.7333984375 l s q 0 0 1 rg BT 151.00 597.07 Td (Note Purchase ) Tj ET Q q 0 0 1 rg BT 210.99 597.07 Td (Agreement, dated ) Tj ET Q q 0 0 1 rg BT 284.01 597.07 Td (April 12, 2017, by and among Conn) Tj ET Q q 0 0 1 rg BT 431.22 597.07 Td (s, Inc., Conn) Tj ET Q q 0 0 1 rg BT 484.83 597.07 Td (s Receivables ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 585.7333984375 m 521.224609375 585.7333984375 l s q 0 0 1 rg BT 151.00 587.07 Td (Funding 2017-A, LLC, Conn ) Tj ET Q q 0 0 1 rg BT 269.90 587.07 Td (Appliances, Inc., Deutsche Bank Securities Inc., Credit Suisse ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 575.7333984375 m 542.328125 575.7333984375 l s q 0 0 1 rg BT 151.00 577.07 Td (Securities \(USA\) LLC, MUFG Securities ) Tj ET Q q 0 0 1 rg BT 318.76 577.07 Td (Americas Inc. and JP) Tj ET Q q 0 0 1 rg BT 403.37 577.07 Td ( Mor) Tj ET Q q 0 0 1 rg BT 422.91 577.07 Td (gan Securities LLC, as initial ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 565.7333984375 m 540.609375 565.7333984375 l s q 0 0 1 rg BT 151.00 567.07 Td (purchasers \(incorporated herein by reference to Exhibit 1.1 to Form 8-K \(File No. 001-34956\) as ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 555.7833984375002 m 434.5693359375 555.7833984375002 l s q 0 0 1 rg BT 151.00 557.12 Td (filed with the Securities and Exchange Commission on ) Tj ET Q q 0 0 1 rg BT 372.63 557.12 Td (April 20, 2017\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.25 531.12 Td (10.24) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 535.8333984374999 m 560.4970703125 535.8333984374999 l s q 0 0 1 rg BT 151.00 537.17 Td (First ) Tj ET Q q 0 0 1 rg BT 172.04 537.17 Td (Receivables ) Tj ET Q q 0 0 1 rg BT 223.05 537.17 Td (Purchase ) Tj ET Q q 0 0 1 rg BT 261.25 537.17 Td (Agreement, ) Tj ET Q q 0 0 1 rg BT 310.88 537.17 Td (dated ) Tj ET Q q 0 0 1 rg BT 334.64 537.17 Td (April ) Tj ET Q q 0 0 1 rg BT 358.45 537.17 Td (19, ) Tj ET Q q 0 0 1 rg BT 373.65 537.17 Td (2017, ) Tj ET Q q 0 0 1 rg BT 398.85 537.17 Td (by ) Tj ET Q q 0 0 1 rg BT 411.55 537.17 Td (and ) Tj ET Q q 0 0 1 rg BT 428.69 537.17 Td (between ) Tj ET Q q 0 0 1 rg BT 464.70 537.17 Td (Conn ) Tj ET Q q 0 0 1 rg BT 489.07 537.17 Td (Credit ) Tj ET Q q 0 0 1 rg BT 516.77 537.17 Td (I, ) Tj ET Q q 0 0 1 rg BT 525.30 537.17 Td (L.P) Tj ET Q q 0 0 1 rg BT 538.36 537.17 Td (. ) Tj ET Q q 0 0 1 rg BT 543.56 537.17 Td (and ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 525.8333984374999 m 560.5048828125 525.8333984374999 l s q 0 0 1 rg BT 151.00 527.17 Td (Conn ) Tj ET Q q 0 0 1 rg BT 174.32 527.17 Td (Appliances ) Tj ET Q q 0 0 1 rg BT 221.43 527.17 Td (Receivables ) Tj ET Q q 0 0 1 rg BT 271.86 527.17 Td (Funding, ) Tj ET Q q 0 0 1 rg BT 309.82 527.17 Td (LLC ) Tj ET Q q 0 0 1 rg BT 330.83 527.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 386.82 527.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 413.92 527.17 Td (by ) Tj ET Q q 0 0 1 rg BT 426.04 527.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 465.35 527.17 Td (to ) Tj ET Q q 0 0 1 rg BT 475.25 527.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 506.81 527.17 Td (10.1 ) Tj ET Q q 0 0 1 rg BT 526.44 527.17 Td (to ) Tj ET Q q 0 0 1 rg BT 536.33 527.17 Td (Form ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 515.8333984374999 m 551.2197265625 515.8333984374999 l s q 0 0 1 rg BT 151.00 517.17 Td (8-K ) Tj ET Q q 0 0 1 rg BT 169.05 517.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 190.44 517.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 207.66 517.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 256.82 517.17 Td (as ) Tj ET Q q 0 0 1 rg BT 267.65 517.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 288.48 517.17 Td (with ) Tj ET Q q 0 0 1 rg BT 308.75 517.17 Td (the ) Tj ET Q q 0 0 1 rg BT 323.47 517.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 365.40 517.17 Td (and ) Tj ET Q q 0 0 1 rg BT 382.34 517.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 424.27 517.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 477.33 517.17 Td (on ) Tj ET Q q 0 0 1 rg BT 489.28 517.17 Td (April ) Tj ET Q q 0 0 1 rg BT 512.89 517.17 Td (20, ) Tj ET Q q 0 0 1 rg BT 527.89 517.17 Td (2017\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.25 486.12 Td (10.25) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 497.8333984374999 m 544.7890625 497.8333984374999 l s q 0 0 1 rg BT 151.00 499.17 Td (Second Receivables Purchase ) Tj ET Q q 0 0 1 rg BT 271.80 499.17 Td (Agreement, dated ) Tj ET Q q 0 0 1 rg BT 344.82 499.17 Td (April 19, 2017, by and between Conn ) Tj ET Q q 0 0 1 rg BT 497.30 499.17 Td (Appliances ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 487.8333984374999 m 551.732421875 487.8333984374999 l s q 0 0 1 rg BT 151.00 489.17 Td (Receivables Funding, LLC and Conn) Tj ET Q q 0 0 1 rg BT 302.92 489.17 Td (s Receivables 2017-A) Tj ET Q q 0 0 1 rg BT 390.13 489.17 Td ( ) Tj ET Q q 0 0 1 rg BT 392.45 489.17 Td (T) Tj ET Q q 0 0 1 rg BT 398.20 489.17 Td (rust \(incorporated herein by reference ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 477.8333984374999 m 520.9365234375 477.8333984374999 l s q 0 0 1 rg BT 151.00 479.17 Td (to Exhibit 10.2 to Form 8-K \(File No. 001-34956\) as filed with the Securities and Exchange ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 467.8333984374999 m 277.953125 467.8333984374999 l s q 0 0 1 rg BT 151.00 469.17 Td (Commission on ) Tj ET Q q 0 0 1 rg BT 216.01 469.17 Td (April 20, 2017\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.25 440.62 Td (10.26) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 453.7333984375 m 560.5009765625 453.7333984375 l s q 0 0 1 rg BT 151.00 455.07 Td (Purchase ) Tj ET Q q 0 0 1 rg BT 190.69 455.07 Td (and ) Tj ET Q q 0 0 1 rg BT 208.72 455.07 Td (Sale ) Tj ET Q q 0 0 1 rg BT 228.74 455.07 Td (Agreement, ) Tj ET Q q 0 0 1 rg BT 279.26 455.07 Td (dated ) Tj ET Q q 0 0 1 rg BT 303.72 455.07 Td (April ) Tj ET Q q 0 0 1 rg BT 328.42 455.07 Td (19, ) Tj ET Q q 0 0 1 rg BT 344.51 455.07 Td (2017 ) Tj ET Q q 0 0 1 rg BT 368.11 455.07 Td (by ) Tj ET Q q 0 0 1 rg BT 381.70 455.07 Td (and ) Tj ET Q q 0 0 1 rg BT 399.73 455.07 Td (between ) Tj ET Q q 0 0 1 rg BT 436.64 455.07 Td (Conn ) Tj ET Q q 0 0 1 rg BT 461.11 455.07 Td (Appliances ) Tj ET Q q 0 0 1 rg BT 509.69 455.07 Td (Receivables ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 443.7333984375 m 560.51123046875 443.7333984375 l s q 0 0 1 rg BT 151.00 445.07 Td (Funding, ) Tj ET Q q 0 0 1 rg BT 189.14 445.07 Td (LLC ) Tj ET Q q 0 0 1 rg BT 210.32 445.07 Td (and ) Tj ET Q q 0 0 1 rg BT 227.05 445.07 Td (Conn) Tj ET Q q 0 0 1 rg BT 251.50 445.07 Td (s ) Tj ET Q q 0 0 1 rg BT 257.69 445.07 Td (Receivables ) Tj ET Q q 0 0 1 rg BT 308.30 445.07 Td (2017-A) Tj ET Q q 0 0 1 rg BT 338.30 445.07 Td ( ) Tj ET Q q 0 0 1 rg BT 340.43 445.07 Td (T) Tj ET Q q 0 0 1 rg BT 346.18 445.07 Td (rust ) Tj ET Q q 0 0 1 rg BT 363.48 445.07 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 419.64 445.07 Td (herein ) Tj ET Q q 0 0 1 rg BT 446.92 445.07 Td (by ) Tj ET Q q 0 0 1 rg BT 459.22 445.07 Td (reference ) Tj ET Q q 0 0 1 rg BT 498.70 445.07 Td (to ) Tj ET Q q 0 0 1 rg BT 508.77 445.07 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 540.51 445.07 Td (10.3 ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 433.7333984375 m 560.51171875 433.7333984375 l s q 0 0 1 rg BT 151.00 435.07 Td (to ) Tj ET Q q 0 0 1 rg BT 161.16 435.07 Td (Form ) Tj ET Q q 0 0 1 rg BT 185.22 435.07 Td (8-K ) Tj ET Q q 0 0 1 rg BT 203.15 435.07 Td (\(File ) Tj ET Q q 0 0 1 rg BT 224.42 435.07 Td (No. ) Tj ET Q q 0 0 1 rg BT 241.53 435.07 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 290.57 435.07 Td (as ) Tj ET Q q 0 0 1 rg BT 301.29 435.07 Td (filed ) Tj ET Q q 0 0 1 rg BT 322.00 435.07 Td (with ) Tj ET Q q 0 0 1 rg BT 342.16 435.07 Td (the ) Tj ET Q q 0 0 1 rg BT 356.76 435.07 Td (Securities ) Tj ET Q q 0 0 1 rg BT 398.58 435.07 Td (and ) Tj ET Q q 0 0 1 rg BT 415.40 435.07 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 457.21 435.07 Td (Commission ) Tj ET Q q 0 0 1 rg BT 510.16 435.07 Td (on ) Tj ET Q q 0 0 1 rg BT 522.02 435.07 Td (April ) Tj ET Q q 0 0 1 rg BT 545.51 435.07 Td (20, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 423.7333984375 m 174.330078125 423.7333984375 l s q 0 0 1 rg BT 151.00 425.07 Td (2017\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.25 398.12 Td (10.27) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 410.7333984375 m 553.71484375 410.7333984375 l s q 0 0 1 rg BT 151.00 412.07 Td (Servicing ) Tj ET Q q 0 0 1 rg BT 191.27 412.07 Td (Agreement dated as of ) Tj ET Q q 0 0 1 rg BT 283.46 412.07 Td (April 19, 2017, among Conn) Tj ET Q q 0 0 1 rg BT 401.23 412.07 Td (s Receivables Funding 2017-A, LLC, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 400.7333984375 m 512.572265625 400.7333984375 l s q 0 0 1 rg BT 151.00 402.07 Td (Conn) Tj ET Q q 0 0 1 rg BT 175.45 402.07 Td (s Receivables 2017-A) Tj ET Q q 0 0 1 rg BT 262.65 402.07 Td ( ) Tj ET Q q 0 0 1 rg BT 264.97 402.07 Td (T) Tj ET Q q 0 0 1 rg BT 270.73 402.07 Td (rust, Conn ) Tj ET Q q 0 0 1 rg BT 314.34 402.07 Td (Appliances, Inc. and ) Tj ET Q q 0 0 1 rg BT 398.86 402.07 Td (W) Tj ET Q q 0 0 1 rg BT 407.49 402.07 Td (ells Far) Tj ET Q q 0 0 1 rg BT 437.03 402.07 Td (go Bank, National ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 390.7333984375 m 550.0673828125 390.7333984375 l s q 0 0 1 rg BT 151.00 392.07 Td (Association \(incorporated herein by reference to Exhibit 10.4 to Form 8-K \(File No. 001-34956\) as ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 380.7833984375002 m 434.5693359375 380.7833984375002 l s q 0 0 1 rg BT 151.00 382.12 Td (filed with the Securities and Exchange Commission on ) Tj ET Q q 0 0 1 rg BT 372.63 382.12 Td (April 20, 2017\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.25 344.12 Td (10.28) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 366.8333984374999 m 560.5078125 366.8333984374999 l s q 0 0 1 rg BT 151.00 368.17 Td (Note ) Tj ET Q q 0 0 1 rg BT 173.46 368.17 Td (Purchase ) Tj ET Q q 0 0 1 rg BT 211.91 368.17 Td (Agreement, ) Tj ET Q q 0 0 1 rg BT 261.85 368.17 Td (dated ) Tj ET Q q 0 0 1 rg BT 286.53 368.17 Td (February ) Tj ET Q q 0 0 1 rg BT 325.64 368.17 Td (24, ) Tj ET Q q 0 0 1 rg BT 341.16 368.17 Td (2017, ) Tj ET Q q 0 0 1 rg BT 366.68 368.17 Td (as ) Tj ET Q q 0 0 1 rg BT 378.03 368.17 Td (amended ) Tj ET Q q 0 0 1 rg BT 417.14 368.17 Td (and ) Tj ET Q q 0 0 1 rg BT 434.60 368.17 Td (made ) Tj ET Q q 0 0 1 rg BT 459.28 368.17 Td (ef) Tj ET Q q 0 0 1 rg BT 466.86 368.17 Td (fective ) Tj ET Q q 0 0 1 rg BT 497.08 368.17 Td (as ) Tj ET Q q 0 0 1 rg BT 508.43 368.17 Td (of ) Tj ET Q q 0 0 1 rg BT 519.12 368.17 Td (August8, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 356.8333984374999 m 560.5009765625 356.8333984374999 l s q 0 0 1 rg BT 151.00 358.17 Td (2017, ) Tj ET Q q 0 0 1 rg BT 176.99 358.17 Td (by ) Tj ET Q q 0 0 1 rg BT 190.47 358.17 Td (and ) Tj ET Q q 0 0 1 rg BT 208.40 358.17 Td (among ) Tj ET Q q 0 0 1 rg BT 239.10 358.17 Td (Conn) Tj ET Q q 0 0 1 rg BT 263.55 358.17 Td (s ) Tj ET Q q 0 0 1 rg BT 270.93 358.17 Td (Receivables ) Tj ET Q q 0 0 1 rg BT 322.47 358.17 Td (W) Tj ET Q q 0 0 1 rg BT 331.11 358.17 Td (arehouse, ) Tj ET Q q 0 0 1 rg BT 372.63 358.17 Td (LLC, ) Tj ET Q q 0 0 1 rg BT 397.51 358.17 Td (Conn ) Tj ET Q q 0 0 1 rg BT 421.89 358.17 Td (Appliances ) Tj ET Q q 0 0 1 rg BT 470.36 358.17 Td (Receivables ) Tj ET Q q 0 0 1 rg BT 522.16 358.17 Td (Funding, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 346.8333984374999 m 560.50830078125 346.8333984374999 l s q 0 0 1 rg BT 151.00 348.17 Td (LLC, ) Tj ET Q q 0 0 1 rg BT 175.01 348.17 Td (Conn ) Tj ET Q q 0 0 1 rg BT 198.72 348.17 Td (Appliances, ) Tj ET Q q 0 0 1 rg BT 248.83 348.17 Td (Inc., ) Tj ET Q q 0 0 1 rg BT 269.23 348.17 Td (the ) Tj ET Q q 0 0 1 rg BT 284.07 348.17 Td (conduits ) Tj ET Q q 0 0 1 rg BT 320.58 348.17 Td (from ) Tj ET Q q 0 0 1 rg BT 342.64 348.17 Td (time ) Tj ET Q q 0 0 1 rg BT 363.04 348.17 Td (to ) Tj ET Q q 0 0 1 rg BT 373.44 348.17 Td (time ) Tj ET Q q 0 0 1 rg BT 393.83 348.17 Td (party ) Tj ET Q q 0 0 1 rg BT 417.00 348.17 Td (thereto, ) Tj ET Q q 0 0 1 rg BT 449.89 348.17 Td (Credit ) Tj ET Q q 0 0 1 rg BT 477.51 348.17 Td (Suisse ) Tj ET Q q 0 0 1 rg BT 505.12 348.17 Td (AG, ) Tj ET Q q 0 0 1 rg BT 524.68 348.17 Td (Cayman ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 336.8333984374999 m 560.51220703125 336.8333984374999 l s q 0 0 1 rg BT 151.00 338.17 Td (Islands ) Tj ET Q q 0 0 1 rg BT 182.07 338.17 Td (Branch ) Tj ET Q q 0 0 1 rg BT 213.68 338.17 Td (and ) Tj ET Q q 0 0 1 rg BT 230.86 338.17 Td (Credit ) Tj ET Q q 0 0 1 rg BT 258.59 338.17 Td (Suisse ) Tj ET Q q 0 0 1 rg BT 286.28 338.17 Td (AG, ) Tj ET Q q 0 0 1 rg BT 305.96 338.17 Td (New ) Tj ET Q q 0 0 1 rg BT 327.17 338.17 Td (Y) Tj ET Q q 0 0 1 rg BT 333.40 338.17 Td (ork ) Tj ET Q q 0 0 1 rg BT 349.46 338.17 Td (Branch ) Tj ET Q q 0 0 1 rg BT 381.08 338.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 437.68 338.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 465.40 338.17 Td (by ) Tj ET Q q 0 0 1 rg BT 478.13 338.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 518.05 338.17 Td (to ) Tj ET Q q 0 0 1 rg BT 528.57 338.17 Td (Exhibit ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 326.8333984374999 m 560.49951171875 326.8333984374999 l s q 0 0 1 rg BT 151.00 328.17 Td (1.1 ) Tj ET Q q 0 0 1 rg BT 167.41 328.17 Td (to ) Tj ET Q q 0 0 1 rg BT 179.11 328.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 204.69 328.17 Td (8-K ) Tj ET Q q 0 0 1 rg BT 224.16 328.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 246.96 328.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 265.60 328.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 316.17 328.17 Td (as ) Tj ET Q q 0 0 1 rg BT 328.42 328.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 350.65 328.17 Td (with ) Tj ET Q q 0 0 1 rg BT 372.35 328.17 Td (the ) Tj ET Q q 0 0 1 rg BT 388.48 328.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 431.83 328.17 Td (and ) Tj ET Q q 0 0 1 rg BT 450.18 328.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 493.52 328.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 548.00 328.17 Td (on ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 316.8333984374999 m 220.7216796875 316.8333984374999 l s q 0 0 1 rg BT 151.00 318.17 Td (August14, ) Tj ET Q q 0 0 1 rg BT 197.39 318.17 Td (2017\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.25 283.12 Td (10.29) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 300.8333984374999 m 551.78125 300.8333984374999 l s q 0 0 1 rg BT 151.00 302.17 Td (Second Receivables Purchase ) Tj ET Q q 0 0 1 rg BT 271.80 302.17 Td (Agreement, dated February 24, 2017, as amended and made ef) Tj ET Q q 0 0 1 rg BT 522.08 302.17 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 290.8333984374999 m 544.662109375 290.8333984374999 l s q 0 0 1 rg BT 151.00 292.17 Td (as of ) Tj ET Q q 0 0 1 rg BT 172.11 292.17 Td (August8, 2017, among Conn) Tj ET Q q 0 0 1 rg BT 292.67 292.17 Td (s Receivables ) Tj ET Q q 0 0 1 rg BT 349.69 292.17 Td (W) Tj ET Q q 0 0 1 rg BT 358.32 292.17 Td (arehouse, LLC, Conn ) Tj ET Q q 0 0 1 rg BT 446.37 292.17 Td (Appliances Receivables ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 280.8333984374999 m 558.2900390625 280.8333984374999 l s q 0 0 1 rg BT 151.00 282.17 Td (Funding, LLC, Conn Credit I, L.P) Tj ET Q q 0 0 1 rg BT 286.28 282.17 Td (., and Conn) Tj ET Q q 0 0 1 rg BT 335.17 282.17 Td (s Receivables ) Tj ET Q q 0 0 1 rg BT 392.19 282.17 Td (W) Tj ET Q q 0 0 1 rg BT 400.83 282.17 Td (arehouse ) Tj ET Q q 0 0 1 rg BT 438.69 282.17 Td (T) Tj ET Q q 0 0 1 rg BT 444.44 282.17 Td (rust \(incorporated herein by ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 270.8333984374999 m 518.6953125 270.8333984374999 l s q 0 0 1 rg BT 151.00 272.17 Td (reference to Exhibit 10.1 to Form 8-K \(File No. 001-34956\) as filed with the Securities and ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 260.8333984374999 m 327.66015625 260.8333984374999 l s q 0 0 1 rg BT 151.00 262.17 Td (Exchange Commission on ) Tj ET Q q 0 0 1 rg BT 257.94 262.17 Td (August14, 2017\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.25 226.62 Td (10.30) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 243.8333984374999 m 560.50146484375 243.8333984374999 l s q 0 0 1 rg BT 151.00 245.17 Td (Servicing ) Tj ET Q q 0 0 1 rg BT 191.55 245.17 Td (Agreement, ) Tj ET Q q 0 0 1 rg BT 241.32 245.17 Td (dated ) Tj ET Q q 0 0 1 rg BT 265.82 245.17 Td (as ) Tj ET Q q 0 0 1 rg BT 277.00 245.17 Td (of ) Tj ET Q q 0 0 1 rg BT 288.18 245.17 Td (February ) Tj ET Q q 0 0 1 rg BT 327.13 245.17 Td (24, ) Tj ET Q q 0 0 1 rg BT 342.48 245.17 Td (2017, ) Tj ET Q q 0 0 1 rg BT 367.83 245.17 Td (as ) Tj ET Q q 0 0 1 rg BT 379.01 245.17 Td (amended ) Tj ET Q q 0 0 1 rg BT 417.95 245.17 Td (and ) Tj ET Q q 0 0 1 rg BT 435.24 245.17 Td (made ) Tj ET Q q 0 0 1 rg BT 459.74 245.17 Td (ef) Tj ET Q q 0 0 1 rg BT 467.33 245.17 Td (fective ) Tj ET Q q 0 0 1 rg BT 497.38 245.17 Td (as ) Tj ET Q q 0 0 1 rg BT 508.56 245.17 Td (of ) Tj ET Q q 0 0 1 rg BT 519.11 245.17 Td (August8, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 233.8333984374999 m 560.5 233.8333984374999 l s q 0 0 1 rg BT 151.00 235.17 Td (2017, ) Tj ET Q q 0 0 1 rg BT 178.29 235.17 Td (among ) Tj ET Q q 0 0 1 rg BT 210.29 235.17 Td (Conn) Tj ET Q q 0 0 1 rg BT 234.74 235.17 Td (s ) Tj ET Q q 0 0 1 rg BT 243.41 235.17 Td (Receivables ) Tj ET Q q 0 0 1 rg BT 296.16 235.17 Td (W) Tj ET Q q 0 0 1 rg BT 304.80 235.17 Td (arehouse, ) Tj ET Q q 0 0 1 rg BT 347.62 235.17 Td (LLC, ) Tj ET Q q 0 0 1 rg BT 373.80 235.17 Td (Conn) Tj ET Q q 0 0 1 rg BT 398.25 235.17 Td (s ) Tj ET Q q 0 0 1 rg BT 406.92 235.17 Td (Receivables ) Tj ET Q q 0 0 1 rg BT 459.67 235.17 Td (W) Tj ET Q q 0 0 1 rg BT 468.31 235.17 Td (arehouse ) Tj ET Q q 0 0 1 rg BT 508.29 235.17 Td (T) Tj ET Q q 0 0 1 rg BT 514.04 235.17 Td (rust, ) Tj ET Q q 0 0 1 rg BT 536.33 235.17 Td (Conn ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 223.8333984374999 m 560.5009765625 223.8333984374999 l s q 0 0 1 rg BT 151.00 225.17 Td (Appliances, ) Tj ET Q q 0 0 1 rg BT 202.33 225.17 Td (Inc. ) Tj ET Q q 0 0 1 rg BT 221.45 225.17 Td (and ) Tj ET Q q 0 0 1 rg BT 239.46 225.17 Td (W) Tj ET Q q 0 0 1 rg BT 248.10 225.17 Td (ells ) Tj ET Q q 0 0 1 rg BT 265.84 225.17 Td (Far) Tj ET Q q 0 0 1 rg BT 278.99 225.17 Td (go ) Tj ET Q q 0 0 1 rg BT 292.84 225.17 Td (Bank, ) Tj ET Q q 0 0 1 rg BT 320.29 225.17 Td (National ) Tj ET Q q 0 0 1 rg BT 357.73 225.17 Td (Association ) Tj ET Q q 0 0 1 rg BT 408.79 225.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 466.51 225.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 495.34 225.17 Td (by ) Tj ET Q q 0 0 1 rg BT 509.19 225.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 550.22 225.17 Td (to ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 213.8333984374999 m 560.501953125 213.8333984374999 l s q 0 0 1 rg BT 151.00 215.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 182.73 215.17 Td (10.2 ) Tj ET Q q 0 0 1 rg BT 202.51 215.17 Td (to ) Tj ET Q q 0 0 1 rg BT 212.58 215.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 236.53 215.17 Td (8-K ) Tj ET Q q 0 0 1 rg BT 254.37 215.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 275.54 215.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 292.55 215.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 341.49 215.17 Td (as ) Tj ET Q q 0 0 1 rg BT 352.11 215.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 372.72 215.17 Td (with ) Tj ET Q q 0 0 1 rg BT 392.78 215.17 Td (the ) Tj ET Q q 0 0 1 rg BT 407.28 215.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 449.00 215.17 Td (and ) Tj ET Q q 0 0 1 rg BT 465.73 215.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 507.44 215.17 Td (Commission ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 203.8333984374999 m 232.669921875 203.8333984374999 l s q 0 0 1 rg BT 151.00 205.17 Td (on ) Tj ET Q q 0 0 1 rg BT 162.95 205.17 Td (August14, ) Tj ET Q q 0 0 1 rg BT 209.34 205.17 Td (2017\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.25 170.62 Td (10.31) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 188.8333984374999 m 560.0625 188.8333984374999 l s q 0 0 1 rg BT 151.00 190.17 Td (Note Purchase ) Tj ET Q q 0 0 1 rg BT 210.99 190.17 Td (Agreement, dated December 12, 2017, by and among Conn) Tj ET Q q 0 0 1 rg BT 451.75 190.17 Td (s Inc., Conn) Tj ET Q q 0 0 1 rg BT 502.86 190.17 Td (s Receivables ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 178.8333984374999 m 535.7021484375 178.8333984374999 l s q 0 0 1 rg BT 151.00 180.17 Td (Funding 2017-B, LLC, Conn ) Tj ET Q q 0 0 1 rg BT 269.34 180.17 Td (Appliances, Inc., Credit Suisse Securities \(USA\) LLC, JP) Tj ET Q q 0 0 1 rg BT 499.22 180.17 Td ( Mor) Tj ET Q q 0 0 1 rg BT 518.76 180.17 Td (gan ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 168.8333984374999 m 527.298828125 168.8333984374999 l s q 0 0 1 rg BT 151.00 170.17 Td (Securities LLC, MUFG Securities ) Tj ET Q q 0 0 1 rg BT 289.60 170.17 Td (Americas Inc. and Deutsche Bank Securities Inc., as initial ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 158.8333984374999 m 540.609375 158.8333984374999 l s q 0 0 1 rg BT 151.00 160.17 Td (purchasers \(incorporated herein by reference to Exhibit 1.1 to Form 8-K \(File No. 001-34956\) as ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 148.8333984374999 m 455.0966796875 148.8333984374999 l s q 0 0 1 rg BT 151.00 150.17 Td (filed with the Securities and Exchange Commission on December 26, 2017\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.25 118.62 Td (10.32) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 129.8333984374999 m 560.498046875 129.8333984374999 l s q 0 0 1 rg BT 151.00 131.17 Td (First ) Tj ET Q q 0 0 1 rg BT 171.79 131.17 Td (Receivables ) Tj ET Q q 0 0 1 rg BT 222.55 131.17 Td (Purchase ) Tj ET Q q 0 0 1 rg BT 260.56 131.17 Td (Agreement, ) Tj ET Q q 0 0 1 rg BT 309.94 131.17 Td (dated ) Tj ET Q q 0 0 1 rg BT 334.04 131.17 Td (December ) Tj ET Q q 0 0 1 rg BT 377.58 131.17 Td (20, ) Tj ET Q q 0 0 1 rg BT 392.53 131.17 Td (2017, ) Tj ET Q q 0 0 1 rg BT 417.48 131.17 Td (by ) Tj ET Q q 0 0 1 rg BT 429.93 131.17 Td (and ) Tj ET Q q 0 0 1 rg BT 446.82 131.17 Td (between ) Tj ET Q q 0 0 1 rg BT 482.59 131.17 Td (Conn ) Tj ET Q q 0 0 1 rg BT 506.71 131.17 Td (Credit ) Tj ET Q q 0 0 1 rg BT 534.16 131.17 Td (I, ) Tj ET Q q 0 0 1 rg BT 542.44 131.17 Td (L.P) Tj ET Q q 0 0 1 rg BT 555.50 131.17 Td (. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 119.83339843749991 m 560.4990234375 119.83339843749991 l s q 0 0 1 rg BT 151.00 121.17 Td (and ) Tj ET Q q 0 0 1 rg BT 168.13 121.17 Td (Conn ) Tj ET Q q 0 0 1 rg BT 191.89 121.17 Td (Appliances ) Tj ET Q q 0 0 1 rg BT 239.56 121.17 Td (Receivables ) Tj ET Q q 0 0 1 rg BT 290.56 121.17 Td (Funding, ) Tj ET Q q 0 0 1 rg BT 329.09 121.17 Td (LLC ) Tj ET Q q 0 0 1 rg BT 350.66 121.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 407.21 121.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 434.88 121.17 Td (by ) Tj ET Q q 0 0 1 rg BT 447.57 121.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 487.44 121.17 Td (to ) Tj ET Q q 0 0 1 rg BT 497.90 121.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 530.03 121.17 Td (10.1 ) Tj ET Q q 0 0 1 rg BT 550.22 121.17 Td (to ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 109.83339843749991 m 560.5126953125 109.83339843749991 l s q 0 0 1 rg BT 151.00 111.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 175.38 111.17 Td (8-K ) Tj ET Q q 0 0 1 rg BT 193.64 111.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 215.24 111.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 232.67 111.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 282.04 111.17 Td (as ) Tj ET Q q 0 0 1 rg BT 293.07 111.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 314.11 111.17 Td (with ) Tj ET Q q 0 0 1 rg BT 334.60 111.17 Td (the ) Tj ET Q q 0 0 1 rg BT 349.52 111.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 391.66 111.17 Td (and ) Tj ET Q q 0 0 1 rg BT 408.81 111.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 450.94 111.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 504.22 111.17 Td (on ) Tj ET Q q 0 0 1 rg BT 516.93 111.17 Td (December ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 99.83339843749991 m 189.330078125 99.83339843749991 l s q 0 0 1 rg BT 151.00 101.17 Td (26, ) Tj ET Q q 0 0 1 rg BT 166.00 101.17 Td (2017\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.25 70.12 Td (10.33) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 81.83339843749991 m 554.2080078125 81.83339843749991 l s q 0 0 1 rg BT 151.00 83.17 Td (Second Receivables Purchase ) Tj ET Q q 0 0 1 rg BT 271.80 83.17 Td (Agreement, dated December 20, 2017, by and between Conn Credit I, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 71.83339843749991 m 553.1142578125 71.83339843749991 l s q 0 0 1 rg BT 151.00 73.17 Td (L.P) Tj ET Q q 0 0 1 rg BT 164.06 73.17 Td (. and Conn ) Tj ET Q q 0 0 1 rg BT 209.62 73.17 Td (Appliances Receivables Fund, LLC \(incorporated herein by reference to Exhibit 10.2 ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 61.83339843749991 m 524.28125 61.83339843749991 l s q 0 0 1 rg BT 151.00 63.17 Td (to Form 8-K \(File No. 001-34956\) as filed with the Securities and Exchange Commission on ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 51.83339843749991 m 232.9140625 51.83339843749991 l s q 0 0 1 rg BT 151.00 53.17 Td (December 26, 2017\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL endstream endobj 211 0 obj <><><>] /Rotate 0 /Contents 212 0 R>> endobj 212 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (104) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 747.50 57.00 -47.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 747.50 6.00 -47.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 747.50 413.00 -47.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 651.50 57.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 651.50 6.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 651.50 413.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 613.50 57.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 613.50 6.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 613.50 413.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 581.50 57.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 581.50 6.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 581.50 413.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 85.50 535.50 57.00 -99.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 142.50 535.50 6.00 -99.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 535.50 413.00 -99.00 re f /GS0 gs BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.25 721.62 Td (10.34) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 733.8333984374999 m 560.49951171875 733.8333984374999 l s q 0 0 1 rg BT 151.00 735.17 Td (Purchase ) Tj ET Q q 0 0 1 rg BT 189.04 735.17 Td (and ) Tj ET Q q 0 0 1 rg BT 205.42 735.17 Td (Sale ) Tj ET Q q 0 0 1 rg BT 224.15 735.17 Td (Agreement, ) Tj ET Q q 0 0 1 rg BT 273.01 735.17 Td (dated ) Tj ET Q q 0 0 1 rg BT 296.60 735.17 Td (December ) Tj ET Q q 0 0 1 rg BT 339.63 735.17 Td (20, ) Tj ET Q q 0 0 1 rg BT 354.07 735.17 Td (2017 ) Tj ET Q q 0 0 1 rg BT 376.01 735.17 Td (by ) Tj ET Q q 0 0 1 rg BT 387.95 735.17 Td (and ) Tj ET Q q 0 0 1 rg BT 404.33 735.17 Td (between ) Tj ET Q q 0 0 1 rg BT 439.58 735.17 Td (Conn ) Tj ET Q q 0 0 1 rg BT 462.76 735.17 Td (Appliances ) Tj ET Q q 0 0 1 rg BT 509.69 735.17 Td (Receivables ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 723.8333984374999 m 560.51123046875 723.8333984374999 l s q 0 0 1 rg BT 151.00 725.17 Td (Funding, ) Tj ET Q q 0 0 1 rg BT 189.14 725.17 Td (LLC ) Tj ET Q q 0 0 1 rg BT 210.32 725.17 Td (and ) Tj ET Q q 0 0 1 rg BT 227.05 725.17 Td (Conn) Tj ET Q q 0 0 1 rg BT 251.50 725.17 Td (s ) Tj ET Q q 0 0 1 rg BT 257.69 725.17 Td (Receivables ) Tj ET Q q 0 0 1 rg BT 308.30 725.17 Td (2017-B ) Tj ET Q q 0 0 1 rg BT 340.43 725.17 Td (T) Tj ET Q q 0 0 1 rg BT 346.18 725.17 Td (rust ) Tj ET Q q 0 0 1 rg BT 363.48 725.17 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 419.64 725.17 Td (herein ) Tj ET Q q 0 0 1 rg BT 446.92 725.17 Td (by ) Tj ET Q q 0 0 1 rg BT 459.22 725.17 Td (reference ) Tj ET Q q 0 0 1 rg BT 498.70 725.17 Td (to ) Tj ET Q q 0 0 1 rg BT 508.77 725.17 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 540.51 725.17 Td (10.3 ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 713.8333984374999 m 560.50439453125 713.8333984374999 l s q 0 0 1 rg BT 151.00 715.17 Td (to ) Tj ET Q q 0 0 1 rg BT 160.79 715.17 Td (Form ) Tj ET Q q 0 0 1 rg BT 184.47 715.17 Td (8-K ) Tj ET Q q 0 0 1 rg BT 202.03 715.17 Td (\(File ) Tj ET Q q 0 0 1 rg BT 222.92 715.17 Td (No. ) Tj ET Q q 0 0 1 rg BT 239.65 715.17 Td (001-34956\) ) Tj ET Q q 0 0 1 rg BT 288.32 715.17 Td (as ) Tj ET Q q 0 0 1 rg BT 298.66 715.17 Td (filed ) Tj ET Q q 0 0 1 rg BT 319.00 715.17 Td (with ) Tj ET Q q 0 0 1 rg BT 338.79 715.17 Td (the ) Tj ET Q q 0 0 1 rg BT 353.01 715.17 Td (Securities ) Tj ET Q q 0 0 1 rg BT 394.45 715.17 Td (and ) Tj ET Q q 0 0 1 rg BT 410.90 715.17 Td (Exchange ) Tj ET Q q 0 0 1 rg BT 452.34 715.17 Td (Commission ) Tj ET Q q 0 0 1 rg BT 504.91 715.17 Td (on ) Tj ET Q q 0 0 1 rg BT 516.92 715.17 Td (December ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 703.8333984374999 m 189.330078125 703.8333984374999 l s q 0 0 1 rg BT 151.00 705.17 Td (26, ) Tj ET Q q 0 0 1 rg BT 166.00 705.17 Td (2017\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.25 673.62 Td (10.35) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 684.8333984374999 m 549.8037109375 684.8333984374999 l s q 0 0 1 rg BT 151.00 686.17 Td (Servicing ) Tj ET Q q 0 0 1 rg BT 191.27 686.17 Td (Agreement dated as of December 20, 2017, among Conn) Tj ET Q q 0 0 1 rg BT 421.76 686.17 Td (s Receivables Funding 2017-B, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 674.8333984374999 m 535.6826171875 674.8333984374999 l s q 0 0 1 rg BT 151.00 676.17 Td (LLC, Conn) Tj ET Q q 0 0 1 rg BT 199.33 676.17 Td (s Receivables 2017-B ) Tj ET Q q 0 0 1 rg BT 288.86 676.17 Td (T) Tj ET Q q 0 0 1 rg BT 294.61 676.17 Td (rust, Conn ) Tj ET Q q 0 0 1 rg BT 338.23 676.17 Td (Appliances, Inc. and ) Tj ET Q q 0 0 1 rg BT 422.74 676.17 Td (W) Tj ET Q q 0 0 1 rg BT 431.78 676.17 Td (ilmington ) Tj ET Q q 0 0 1 rg BT 472.99 676.17 Td (T) Tj ET Q q 0 0 1 rg BT 478.75 676.17 Td (rust, National ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 664.8333984374999 m 550.0673828125 664.8333984374999 l s q 0 0 1 rg BT 151.00 666.17 Td (Association \(incorporated herein by reference to Exhibit 10.4 to Form 8-K \(File No. 001-34956\) as ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 654.8333984374999 m 455.0966796875 654.8333984374999 l s q 0 0 1 rg BT 151.00 656.17 Td (filed with the Securities and Exchange Commission on December 26, 2017\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.75 638.12 Td (1) Tj ET Q q 0 0 0 rg BT 109.75 638.12 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 640.7333984375 m 555.8388671875 640.7333984375 l s q 0 0 1 rg BT 151.00 642.07 Td (Statement re: computation of earnings per share \(incorporated by reference to Note 1 to the financial ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 630.7833984375002 m 307.923828125 630.7833984375002 l s q 0 0 1 rg BT 151.00 632.12 Td (statements included in this Form 10-K\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.50 619.12 Td (21) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 618.7333984375 m 325.8193359375 618.7333984375 l s q 0 0 1 rg BT 151.00 620.07 Td (Subsidiaries ) Tj ET Q q 0 0 1 rg BT 202.39 620.07 Td (of ) Tj ET Q q 0 0 1 rg BT 213.22 620.07 Td (Conn's, ) Tj ET Q q 0 0 1 rg BT 245.58 620.07 Td (Inc. ) Tj ET Q q 0 0 1 rg BT 263.35 620.07 Td (\(filed ) Tj ET Q q 0 0 1 rg BT 287.50 620.07 Td (herewith\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.75 603.12 Td (23.1) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 602.7333984375 m 341.72265625 602.7333984375 l s q 0 0 1 rg BT 151.00 604.07 Td (Consent ) Tj ET Q q 0 0 1 rg BT 186.28 604.07 Td (of ) Tj ET Q q 0 0 1 rg BT 197.11 604.07 Td (Ernst ) Tj ET Q q 0 0 1 rg BT 220.72 604.07 Td (& ) Tj ET Q q 0 0 1 rg BT 230.62 604.07 Td (Y) Tj ET Q q 0 0 1 rg BT 236.84 604.07 Td (oung ) Tj ET Q q 0 0 1 rg BT 259.34 604.07 Td (LLP) Tj ET Q q 0 0 1 rg BT 276.75 604.07 Td ( ) Tj ET Q q 0 0 1 rg BT 279.25 604.07 Td (\(filed ) Tj ET Q q 0 0 1 rg BT 303.41 604.07 Td (herewith\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.75 587.12 Td (31.1) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 584.8333984374999 m 476.5126953125 584.8333984374999 l s q 0 0 1 rg BT 151.00 586.17 Td (Rule ) Tj ET Q q 0 0 1 rg BT 172.39 586.17 Td (13a-14\(a\)/15d-14\(a\) ) Tj ET Q q 0 0 1 rg BT 255.96 586.17 Td (Certification ) Tj ET Q q 0 0 1 rg BT 309.00 586.17 Td (\(Chief ) Tj ET Q q 0 0 1 rg BT 337.04 586.17 Td (Executive ) Tj ET Q q 0 0 1 rg BT 379.53 586.17 Td (Of) Tj ET Q q 0 0 1 rg BT 389.90 586.17 Td (ficer\) ) Tj ET Q q 0 0 1 rg BT 414.04 586.17 Td (\(filed ) Tj ET Q q 0 0 1 rg BT 438.20 586.17 Td (herewith\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.75 571.12 Td (31.2) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 568.8333984374999 m 473.744140625 568.8333984374999 l s q 0 0 1 rg BT 151.00 570.17 Td (Rule ) Tj ET Q q 0 0 1 rg BT 172.39 570.17 Td (13a-14\(a\)/15d-14\(a\) ) Tj ET Q q 0 0 1 rg BT 255.96 570.17 Td (Certification ) Tj ET Q q 0 0 1 rg BT 309.00 570.17 Td (\(Chief ) Tj ET Q q 0 0 1 rg BT 337.04 570.17 Td (Financial ) Tj ET Q q 0 0 1 rg BT 376.76 570.17 Td (Of) Tj ET Q q 0 0 1 rg BT 387.13 570.17 Td (ficer\) ) Tj ET Q q 0 0 1 rg BT 411.27 570.17 Td (\(filed ) Tj ET Q q 0 0 1 rg BT 435.43 570.17 Td (herewith\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.75 548.12 Td (32.1) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 548.8333984374999 m 520.228515625 548.8333984374999 l s q 0 0 1 rg BT 151.00 550.17 Td (Section 1350 Certification \(Chief Executive Of) Tj ET Q q 0 0 1 rg BT 339.93 550.17 Td (ficer and Chief Financial Of) Tj ET Q q 0 0 1 rg BT 452.48 550.17 Td (ficer\) \(furnished ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 151 538.8333984374999 m 189.3154296875 538.8333984374999 l s q 0 0 1 rg BT 151.00 540.17 Td (herewith\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.00 483.62 Td (101) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.00 511.17 Td (The ) Tj ET Q q 0 0 0 rg BT 168.49 511.17 Td (following ) Tj ET Q q 0 0 0 rg BT 209.33 511.17 Td (financial ) Tj ET Q q 0 0 0 rg BT 246.26 511.17 Td (information ) Tj ET Q q 0 0 0 rg BT 295.42 511.17 Td (from ) Tj ET Q q 0 0 0 rg BT 316.80 511.17 Td (our ) Tj ET Q q 0 0 0 rg BT 331.65 511.17 Td (Annual ) Tj ET Q q 0 0 0 rg BT 363.03 511.17 Td (Report ) Tj ET Q q 0 0 0 rg BT 392.20 511.17 Td (on ) Tj ET Q q 0 0 0 rg BT 404.15 511.17 Td (Form ) Tj ET Q q 0 0 0 rg BT 427.76 511.17 Td (10-K ) Tj ET Q q 0 0 0 rg BT 450.26 511.17 Td (for ) Tj ET Q q 0 0 0 rg BT 463.87 511.17 Td (the ) Tj ET Q q 0 0 0 rg BT 478.03 511.17 Td (annual ) Tj ET Q q 0 0 0 rg BT 506.64 511.17 Td (period ) Tj ET Q q 0 0 0 rg BT 534.13 511.17 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.00 501.17 Td (January ) Tj ET Q q 0 0 0 rg BT 185.39 501.17 Td (31, ) Tj ET Q q 0 0 0 rg BT 201.19 501.17 Td (2018, ) Tj ET Q q 0 0 0 rg BT 226.99 501.17 Td (filed ) Tj ET Q q 0 0 0 rg BT 248.61 501.17 Td (with ) Tj ET Q q 0 0 0 rg BT 269.68 501.17 Td (the ) Tj ET Q q 0 0 0 rg BT 285.19 501.17 Td (SEC ) Tj ET Q q 0 0 0 rg BT 306.83 501.17 Td (on ) Tj ET Q q 0 0 0 rg BT 319.40 501.17 Td (April ) Tj ET Q q 0 0 0 rg BT 343.80 501.17 Td (5, ) Tj ET Q q 0 0 0 rg BT 354.60 501.17 Td (2018, ) Tj ET Q q 0 0 0 rg BT 380.39 501.17 Td (formatted ) Tj ET Q q 0 0 0 rg BT 422.56 501.17 Td (in ) Tj ET Q q 0 0 0 rg BT 433.64 501.17 Td (Extensible ) Tj ET Q q 0 0 0 rg BT 479.14 501.17 Td (Business ) Tj ET Q q 0 0 0 rg BT 518.00 501.17 Td (Reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.00 491.17 Td (Language ) Tj ET Q q 0 0 0 rg BT 193.04 491.17 Td (\(XBRL\): ) Tj ET Q q 0 0 0 rg BT 231.76 491.17 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 243.81 491.17 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 296.96 491.17 Td (balance ) Tj ET Q q 0 0 0 rg BT 330.11 491.17 Td (sheets ) Tj ET Q q 0 0 0 rg BT 357.16 491.17 Td (as ) Tj ET Q q 0 0 0 rg BT 368.10 491.17 Td (of ) Tj ET Q q 0 0 0 rg BT 379.04 491.17 Td (January ) Tj ET Q q 0 0 0 rg BT 412.75 491.17 Td (31, ) Tj ET Q q 0 0 0 rg BT 427.87 491.17 Td (2018 ) Tj ET Q q 0 0 0 rg BT 450.48 491.17 Td (and ) Tj ET Q q 0 0 0 rg BT 467.53 491.17 Td (2017, ) Tj ET Q q 0 0 0 rg BT 492.64 491.17 Td (\(ii\) ) Tj ET Q q 0 0 0 rg BT 507.47 491.17 Td (consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.00 481.17 Td (statements ) Tj ET Q q 0 0 0 rg BT 195.59 481.17 Td (of ) Tj ET Q q 0 0 0 rg BT 206.31 481.17 Td (operations ) Tj ET Q q 0 0 0 rg BT 250.34 481.17 Td (for ) Tj ET Q q 0 0 0 rg BT 264.38 481.17 Td (the ) Tj ET Q q 0 0 0 rg BT 278.98 481.17 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 303.02 481.17 Td (years ) Tj ET Q q 0 0 0 rg BT 326.50 481.17 Td (ended ) Tj ET Q q 0 0 0 rg BT 352.76 481.17 Td (January ) Tj ET Q q 0 0 0 rg BT 386.24 481.17 Td (31, ) Tj ET Q q 0 0 0 rg BT 401.12 481.17 Td (2018, ) Tj ET Q q 0 0 0 rg BT 426.00 481.17 Td (2017 ) Tj ET Q q 0 0 0 rg BT 448.39 481.17 Td (and ) Tj ET Q q 0 0 0 rg BT 465.21 481.17 Td (2016, ) Tj ET Q q 0 0 0 rg BT 490.09 481.17 Td (\(iii\) ) Tj ET Q q 0 0 0 rg BT 507.46 481.17 Td (consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.00 471.17 Td (statements ) Tj ET Q q 0 0 0 rg BT 195.78 471.17 Td (of ) Tj ET Q q 0 0 0 rg BT 206.68 471.17 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 269.78 471.17 Td (income ) Tj ET Q q 0 0 0 rg BT 301.78 471.17 Td (for ) Tj ET Q q 0 0 0 rg BT 316.00 471.17 Td (the ) Tj ET Q q 0 0 0 rg BT 330.79 471.17 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 355.01 471.17 Td (years ) Tj ET Q q 0 0 0 rg BT 378.68 471.17 Td (ended ) Tj ET Q q 0 0 0 rg BT 405.12 471.17 Td (January ) Tj ET Q q 0 0 0 rg BT 438.79 471.17 Td (31, ) Tj ET Q q 0 0 0 rg BT 453.86 471.17 Td (2018, ) Tj ET Q q 0 0 0 rg BT 478.92 471.17 Td (2017 ) Tj ET Q q 0 0 0 rg BT 501.49 471.17 Td (and ) Tj ET Q q 0 0 0 rg BT 518.50 471.17 Td (2016, ) Tj ET Q q 0 0 0 rg BT 543.56 471.17 Td (\(iv\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.00 461.17 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 204.24 461.17 Td (statements ) Tj ET Q q 0 0 0 rg BT 249.14 461.17 Td (of ) Tj ET Q q 0 0 0 rg BT 260.17 461.17 Td (stockholders' ) Tj ET Q q 0 0 0 rg BT 315.21 461.17 Td (equity ) Tj ET Q q 0 0 0 rg BT 342.90 461.17 Td (for ) Tj ET Q q 0 0 0 rg BT 357.26 461.17 Td (the ) Tj ET Q q 0 0 0 rg BT 372.17 461.17 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 396.52 461.17 Td (years ) Tj ET Q q 0 0 0 rg BT 420.32 461.17 Td (ended ) Tj ET Q q 0 0 0 rg BT 446.89 461.17 Td (January31, ) Tj ET Q q 0 0 0 rg BT 495.68 461.17 Td (2018, ) Tj ET Q q 0 0 0 rg BT 520.88 461.17 Td (2017 ) Tj ET Q q 0 0 0 rg BT 543.57 461.17 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.00 451.17 Td (2016, ) Tj ET Q q 0 0 0 rg BT 176.05 451.17 Td (\(v\) ) Tj ET Q q 0 0 0 rg BT 190.26 451.17 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 243.35 451.17 Td (statements ) Tj ET Q q 0 0 0 rg BT 288.11 451.17 Td (of ) Tj ET Q q 0 0 0 rg BT 298.99 451.17 Td (cash ) Tj ET Q q 0 0 0 rg BT 319.31 451.17 Td (flows ) Tj ET Q q 0 0 0 rg BT 344.08 451.17 Td (for ) Tj ET Q q 0 0 0 rg BT 358.29 451.17 Td (the ) Tj ET Q q 0 0 0 rg BT 373.05 451.17 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 397.25 451.17 Td (years ) Tj ET Q q 0 0 0 rg BT 420.90 451.17 Td (ended ) Tj ET Q q 0 0 0 rg BT 447.33 451.17 Td (January31, ) Tj ET Q q 0 0 0 rg BT 495.98 451.17 Td (2018, ) Tj ET Q q 0 0 0 rg BT 521.02 451.17 Td (2017 ) Tj ET Q q 0 0 0 rg BT 543.57 451.17 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.00 441.17 Td (2016, ) Tj ET Q q 0 0 0 rg BT 176.00 441.17 Td (and ) Tj ET Q q 0 0 0 rg BT 192.94 441.17 Td (\(vi\) ) Tj ET Q q 0 0 0 rg BT 209.88 441.17 Td (notes ) Tj ET Q q 0 0 0 rg BT 233.49 441.17 Td (to ) Tj ET Q q 0 0 0 rg BT 243.76 441.17 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 296.81 441.17 Td (financial ) Tj ET Q q 0 0 0 rg BT 334.29 441.17 Td (statements) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 419.00 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 419.00 Td (* Management contract or compensatory plan or arrangement.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 389.00 Td (ITEM ) Tj ET Q q 0 0 0 rg BT 79.17 389.00 Td (16. ) Tj ET Q q 0 0 0 rg BT 108.50 389.00 Td (FORM ) Tj ET Q q 0 0 0 rg BT 141.55 389.00 Td (10-K ) Tj ET Q q 0 0 0 rg BT 165.16 389.00 Td (SUMMAR) Tj ET Q q 0 0 0 rg BT 210.91 389.00 Td (Y) Tj ET Q q 0 0 0 rg BT 217.21 389.00 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 371.00 Td (None.) Tj ET Q endstream endobj 213 0 obj <>] /Rotate 0 /Contents 214 0 R>> endobj 214 0 obj <> stream BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 50 771.2669921875 m 123.4521484375 771.2669921875 l s q 0 0 1 rg BT 50.00 772.60 Td (T) Tj ET Q q 0 0 1 rg BT 55.41 772.60 Td (able of Contents ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (105) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 273.85 742.25 Td (SIGNA) Tj ET Q q 0 0 0 rg BT 304.78 742.25 Td (TURES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.13 742.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 724.25 Td (Pursuant ) Tj ET Q q 0 0 0 rg BT 87.84 724.25 Td (to ) Tj ET Q q 0 0 0 rg BT 98.46 724.25 Td (the ) Tj ET Q q 0 0 0 rg BT 113.52 724.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 168.57 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 179.74 724.25 Td (Section ) Tj ET Q q 0 0 0 rg BT 212.58 724.25 Td (13 ) Tj ET Q q 0 0 0 rg BT 225.43 724.25 Td (or ) Tj ET Q q 0 0 0 rg BT 236.60 724.25 Td (15\(d\) ) Tj ET Q q 0 0 0 rg BT 261.10 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 272.28 724.25 Td (the ) Tj ET Q q 0 0 0 rg BT 287.34 724.25 Td (Securities ) Tj ET Q q 0 0 0 rg BT 329.61 724.25 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 371.25 724.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 388.53 724.25 Td (of ) Tj ET Q q 0 0 0 rg BT 399.71 724.25 Td (1934, ) Tj ET Q q 0 0 0 rg BT 425.05 724.25 Td (the ) Tj ET Q q 0 0 0 rg BT 440.11 724.25 Td (registrant ) Tj ET Q q 0 0 0 rg BT 480.72 724.25 Td (has ) Tj ET Q q 0 0 0 rg BT 496.89 724.25 Td (duly ) Tj ET Q q 0 0 0 rg BT 517.51 724.25 Td (caused ) Tj ET Q q 0 0 0 rg BT 547.56 724.25 Td (this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 712.25 Td (report ) Tj ET Q q 0 0 0 rg BT 76.38 712.25 Td (to ) Tj ET Q q 0 0 0 rg BT 86.66 712.25 Td (be ) Tj ET Q q 0 0 0 rg BT 98.59 712.25 Td (signed ) Tj ET Q q 0 0 0 rg BT 127.20 712.25 Td (on ) Tj ET Q q 0 0 0 rg BT 139.70 712.25 Td (its ) Tj ET Q q 0 0 0 rg BT 151.65 712.25 Td (behalf ) Tj ET Q q 0 0 0 rg BT 179.14 712.25 Td (by ) Tj ET Q q 0 0 0 rg BT 191.64 712.25 Td (the ) Tj ET Q q 0 0 0 rg BT 206.35 712.25 Td (undersigned, ) Tj ET Q q 0 0 0 rg BT 260.23 712.25 Td (thereunto ) Tj ET Q q 0 0 0 rg BT 300.49 712.25 Td (duly ) Tj ET Q q 0 0 0 rg BT 320.77 712.25 Td (authorized.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 646.75 m 491.5 646.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 686.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.00 686.48 Td (CONN'S, ) Tj ET Q q 0 0 0 rg BT 324.78 686.48 Td (INC.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 671.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.00 671.32 Td (\(Registrant\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 652.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.00 652.32 Td (By:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.00 652.32 Td (/s/ Norman Miller) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 637.32 Td (Date:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.00 637.32 Td (Norman Miller) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 622.32 Td (April 5, 2018) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 311.00 622.31 Td (Chief Executive Officer and Pr) Tj ET Q q 0 0 0 rg BT 434.48 622.31 Td (esident) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 599.25 Td (Pursuant ) Tj ET Q q 0 0 0 rg BT 87.40 599.25 Td (to ) Tj ET Q q 0 0 0 rg BT 97.57 599.25 Td (the ) Tj ET Q q 0 0 0 rg BT 112.18 599.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 166.78 599.25 Td (of ) Tj ET Q q 0 0 0 rg BT 177.51 599.25 Td (the ) Tj ET Q q 0 0 0 rg BT 192.12 599.25 Td (Securities ) Tj ET Q q 0 0 0 rg BT 233.95 599.25 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 275.24 599.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 292.08 599.25 Td (of ) Tj ET Q q 0 0 0 rg BT 302.81 599.25 Td (1934, ) Tj ET Q q 0 0 0 rg BT 327.70 599.25 Td (this ) Tj ET Q q 0 0 0 rg BT 344.55 599.25 Td (report ) Tj ET Q q 0 0 0 rg BT 370.82 599.25 Td (has ) Tj ET Q q 0 0 0 rg BT 386.55 599.25 Td (been ) Tj ET Q q 0 0 0 rg BT 407.82 599.25 Td (signed ) Tj ET Q q 0 0 0 rg BT 436.33 599.25 Td (below ) Tj ET Q q 0 0 0 rg BT 463.16 599.25 Td (by ) Tj ET Q q 0 0 0 rg BT 475.56 599.25 Td (the ) Tj ET Q q 0 0 0 rg BT 490.17 599.25 Td (following ) Tj ET Q q 0 0 0 rg BT 531.45 599.25 Td (persons ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 587.25 Td (on ) Tj ET Q q 0 0 0 rg BT 62.50 587.25 Td (behalf ) Tj ET Q q 0 0 0 rg BT 89.99 587.25 Td (of ) Tj ET Q q 0 0 0 rg BT 100.82 587.25 Td (the ) Tj ET Q q 0 0 0 rg BT 115.53 587.25 Td (registrant ) Tj ET Q q 0 0 0 rg BT 155.80 587.25 Td (and ) Tj ET Q q 0 0 0 rg BT 172.73 587.25 Td (in ) Tj ET Q q 0 0 0 rg BT 183.01 587.25 Td (the ) Tj ET Q q 0 0 0 rg BT 197.73 587.25 Td (capacities ) Tj ET Q q 0 0 0 rg BT 239.65 587.25 Td (and ) Tj ET Q q 0 0 0 rg BT 256.59 587.25 Td (on ) Tj ET Q q 0 0 0 rg BT 269.09 587.25 Td (the ) Tj ET Q q 0 0 0 rg BT 283.80 587.25 Td (dates ) Tj ET Q q 0 0 0 rg BT 306.85 587.25 Td (indicated.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 555.75 m 228.5 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 555.75 m 474.5 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 555.75 m 562.5 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 526.75 m 228.5 526.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 472.75 m 228.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 428.75 m 228.5 428.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 384.75 m 228.5 384.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 350.75 m 228.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 317.75 m 228.5 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 283.75 m 228.5 283.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 249.75 m 228.5 249.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 216.75 m 228.5 216.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 184.75 m 228.5 184.75 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 116.75 561.48 Td (Signatur) Tj ET Q q 0 0 0 rg BT 153.89 561.48 Td (e) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 345.55 561.48 Td (T) Tj ET Q q 0 0 0 rg BT 352.13 561.48 Td (itle) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 513.00 561.48 Td (Date) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 531.42 Td (/s/ ) Tj ET Q q 0 0 0 rg BT 106.95 531.42 Td (Norman ) Tj ET Q q 0 0 0 rg BT 142.22 531.42 Td (Miller) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 532.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.00 532.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 517.32 Td (Norman ) Tj ET Q q 0 0 0 rg BT 130.27 517.32 Td (Miller) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 516.42 Td (Chairman ) Tj ET Q q 0 0 0 rg BT 287.54 516.42 Td (of ) Tj ET Q q 0 0 0 rg BT 300.98 516.42 Td (the ) Tj ET Q q 0 0 0 rg BT 318.31 516.42 Td (Board, ) Tj ET Q q 0 0 0 rg BT 350.35 516.42 Td (Chief ) Tj ET Q q 0 0 0 rg BT 377.68 516.42 Td (Executive ) Tj ET Q q 0 0 0 rg BT 422.77 516.42 Td (Of) Tj ET Q q 0 0 0 rg BT 433.14 516.42 Td (ficer ) Tj ET Q q 0 0 0 rg BT 456.56 516.42 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 506.42 Td (President ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 496.42 Td (\(Principal ) Tj ET Q q 0 0 0 rg BT 284.93 496.42 Td (Executive ) Tj ET Q q 0 0 0 rg BT 327.41 496.42 Td (Of) Tj ET Q q 0 0 0 rg BT 337.79 496.42 Td (ficer\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 517.32 Td (April 5, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 478.32 Td (/s/ ) Tj ET Q q 0 0 0 rg BT 106.95 478.32 Td (Lee ) Tj ET Q q 0 0 0 rg BT 124.16 478.32 Td (A. ) Tj ET Q q 0 0 0 rg BT 136.01 478.32 Td (W) Tj ET Q q 0 0 0 rg BT 145.16 478.32 Td (right) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 478.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.00 478.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 463.32 Td (Lee ) Tj ET Q q 0 0 0 rg BT 112.21 463.32 Td (A. ) Tj ET Q q 0 0 0 rg BT 124.06 463.32 Td (W) Tj ET Q q 0 0 0 rg BT 133.21 463.32 Td (right) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 462.42 Td (Executive ) Tj ET Q q 0 0 0 rg BT 285.30 462.42 Td (V) Tj ET Q q 0 0 0 rg BT 291.92 462.42 Td (ice ) Tj ET Q q 0 0 0 rg BT 306.08 462.42 Td (President ) Tj ET Q q 0 0 0 rg BT 345.79 462.42 Td (and ) Tj ET Q q 0 0 0 rg BT 362.73 462.42 Td (Chief ) Tj ET Q q 0 0 0 rg BT 387.45 462.42 Td (Financial ) Tj ET Q q 0 0 0 rg BT 427.16 462.42 Td (Of) Tj ET Q q 0 0 0 rg BT 437.53 462.42 Td (ficer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 452.42 Td (\(Principal ) Tj ET Q q 0 0 0 rg BT 284.93 452.42 Td (Financial ) Tj ET Q q 0 0 0 rg BT 324.65 452.42 Td (Of) Tj ET Q q 0 0 0 rg BT 335.02 452.42 Td (ficer\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 463.32 Td (April 5, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 434.32 Td (/s/ ) Tj ET Q q 0 0 0 rg BT 106.95 434.32 Td (Geor) Tj ET Q q 0 0 0 rg BT 126.85 434.32 Td (ge ) Tj ET Q q 0 0 0 rg BT 138.70 434.32 Td (L. ) Tj ET Q q 0 0 0 rg BT 149.80 434.32 Td (Bchara) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 434.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.00 434.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 419.32 Td (Geor) Tj ET Q q 0 0 0 rg BT 114.81 419.32 Td (ge ) Tj ET Q q 0 0 0 rg BT 126.75 419.32 Td (L. ) Tj ET Q q 0 0 0 rg BT 137.86 419.32 Td (Bchara) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 418.42 Td (Chief ) Tj ET Q q 0 0 0 rg BT 267.17 418.42 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 316.32 418.42 Td (Of) Tj ET Q q 0 0 0 rg BT 326.69 418.42 Td (ficer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 408.42 Td (\(Principal ) Tj ET Q q 0 0 0 rg BT 284.38 408.42 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 333.54 408.42 Td (Of) Tj ET Q q 0 0 0 rg BT 343.91 408.42 Td (ficer\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 419.32 Td (April 5, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 389.42 Td (/s/ ) Tj ET Q q 0 0 0 rg BT 106.95 389.42 Td (Kelly ) Tj ET Q q 0 0 0 rg BT 131.67 389.42 Td (M. ) Tj ET Q q 0 0 0 rg BT 145.56 389.42 Td (Malson) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 390.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.00 390.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 374.42 Td (Kelly ) Tj ET Q q 0 0 0 rg BT 119.72 374.42 Td (M. ) Tj ET Q q 0 0 0 rg BT 133.61 374.42 Td (Malson) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 375.32 Td (Director) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 375.32 Td (April 5, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 355.42 Td (/s/ ) Tj ET Q q 0 0 0 rg BT 106.95 355.42 Td (Bob ) Tj ET Q q 0 0 0 rg BT 126.12 355.42 Td (L. ) Tj ET Q q 0 0 0 rg BT 137.23 355.42 Td (Martin) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 356.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.00 356.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 340.42 Td (Bob ) Tj ET Q q 0 0 0 rg BT 114.17 340.42 Td (L. ) Tj ET Q q 0 0 0 rg BT 125.28 340.42 Td (Martin) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 341.32 Td (Director) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 341.32 Td (April 5, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 322.32 Td (/s/ ) Tj ET Q q 0 0 0 rg BT 106.86 322.32 Td (W) Tj ET Q q 0 0 0 rg BT 116.01 322.32 Td (illiam ) Tj ET Q q 0 0 0 rg BT 141.64 322.32 Td (E. ) Tj ET Q q 0 0 0 rg BT 152.74 322.32 Td (Saunders ) Tj ET Q q 0 0 0 rg BT 191.90 322.32 Td (Jr) Tj ET Q q 0 0 0 rg BT 198.85 322.32 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 322.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.00 322.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 307.42 Td (W) Tj ET Q q 0 0 0 rg BT 104.24 307.42 Td (illiam ) Tj ET Q q 0 0 0 rg BT 129.87 307.42 Td (E. ) Tj ET Q q 0 0 0 rg BT 140.98 307.42 Td (Saunders ) Tj ET Q q 0 0 0 rg BT 180.14 307.42 Td (Jr) Tj ET Q q 0 0 0 rg BT 187.08 307.42 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 308.32 Td (Director) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 308.32 Td (April 5, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 288.42 Td (/s/ ) Tj ET Q q 0 0 0 rg BT 106.95 288.42 Td (Douglas ) Tj ET Q q 0 0 0 rg BT 142.78 288.42 Td (H. ) Tj ET Q q 0 0 0 rg BT 155.00 288.42 Td (Martin) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 289.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.00 289.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 273.42 Td (Douglas ) Tj ET Q q 0 0 0 rg BT 130.83 273.42 Td (H. ) Tj ET Q q 0 0 0 rg BT 143.05 273.42 Td (Martin) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 274.32 Td (Director) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 274.32 Td (April 5, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 254.42 Td (/s/ ) Tj ET Q q 0 0 0 rg BT 106.95 254.42 Td (David ) Tj ET Q q 0 0 0 rg BT 133.89 254.42 Td (Schofman) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 255.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.00 255.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 239.42 Td (David ) Tj ET Q q 0 0 0 rg BT 121.94 239.42 Td (Schofman) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 240.32 Td (Director) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 240.32 Td (April 5, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 221.32 Td (/s/ ) Tj ET Q q 0 0 0 rg BT 106.95 221.32 Td (James ) Tj ET Q q 0 0 0 rg BT 133.89 221.32 Td (Haworth) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 221.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.00 221.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 207.32 Td (James ) Tj ET Q q 0 0 0 rg BT 121.94 207.32 Td (Haworth) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 207.32 Td (Director) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 207.32 Td (April 5, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 189.32 Td (/s/ ) Tj ET Q q 0 0 0 rg BT 106.95 189.32 Td (Oded ) Tj ET Q q 0 0 0 rg BT 131.11 189.32 Td (Shein) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 189.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.00 189.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 175.32 Td (Oded ) Tj ET Q q 0 0 0 rg BT 119.16 175.32 Td (Shein) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 175.32 Td (Director) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.65 175.32 Td (April 5, 2018) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 215 0 obj <> /View <>>>>> endobj 216 0 obj <> /View <>>>>> endobj 217 0 obj <> endobj 218 0 obj <> stream xy\E7~n{{w'd'52 HaGPPA!"" b-&h,+TLy?:uk?uΩoH""?W~.Xv3&rm 2\jMgwm'CڴzlycǏ\ rBjx\DsV@{twocmC{Iwl11z:1m!t-\q3D.:yz'Wɨp[_F=>E"ǢӦ/|K&_~=!wn-az3¦h$7,ؑ2Oo_eSFLlk}Fg[F>|;