!"#$%& !"%'()*)+(*,%-(.% /(01%2+133,%45676)8*8(3) - - PowerPoint PPT Presentation

!"#$%& !"%'()*)+(*,%-(.% /(01%2+133,%45676)8*8(3)

45676)86.%9:; <(=%-).6573) >(56+835%3?%'()*)+(*,%-(. @3)8+,*(5%28*86%A)(B657(8:

!"#$%&'"#($)*+,-.&/0$1.+*#0.$233&3.-0,#$ 2+."/(&.4$&3$."#$/054$1.-.#$-'#0,4$6&."$ ."#$3/5#$7&33&/0$/8$9(/:&*&0'$3.+*#0.3$

• 0*$8-7&5&#3$6&."$."#$8&0-0,&-5$-0*$

&08/(7-.&/0-5$(#3/+(,#3$./$9+(3+#$."#&($ #*+,-.&/0$;#4/0*$"&'"$3,"//5!

"#$%&'((')*

+',#$-%./0123')*%430/$*3%5(('(32*1$%503#)-'36

<

!"#$%&'()*+,-"./'0-*)%/-'122"2-,/+%'1*-$.&"-3

!

4$,-'4%'4"55'6"2+*22'7./"#$-

" #$%&'()'*(+%+,(%-'%(./ " 012'.1'314'%55-3/'6178)/''9:%.-(+:)/ " 012'()':-(;(<(-(&3'.:&:78(+:./ " #$%&'()'&$:'=>5:,&:.'6%8(-3'?1+&7(<4&(1+/ " @35:)'%+.')147,:)'1*'*(+%+,(%-'%(. " 6(+%+,(%-'%(.'5%,A%;(+;B',185%7(+;'1**:7) " C5:,(%-',(7,48)&%+,:) " ?1+)48:7'D))4:) " E:F(:2'1*'&$:'6G6CG

Higher Education Student Assistance Authority

4

What Is Financial Aid?

• Generally speaking, financial aid includes all funds

made available to students that do not come from their family.

• Sources are the federal and state governments, the

colleges themselves and private sources

• It comes in the form of grants, scholarships, loans

and student employment

Higher Education Student Assistance Authority

5

What Forms are Required and When?

• Free Application for Federal Student Aid (FAFSA)
• College Board Profile Form
• Institutional Forms
• Verification
• Tax documentation
• Business Supplement
• Non-custodial parent information
• Know your schools requirements and deadlines

Higher Education Student Assistance Authority

6

Expected Family Contribution

• The amount that a family can reasonably be expected to

contribute

• Derived from contributions from the parents and the

student

• Federal EFC
• Institutional EFC
• EFC Calculator: Available on the College Board Web

Site: https://bigfuture.collegeboard.org/pay-for-college/paying- your-share/expected-family-contribution-calculator

Higher Education Student Assistance Authority

7

How Is Eligibility Determined?

• Cost of Attendance (COA) - direct and

indirect costs

• Expected Family Contribution (EFC)
• Federal vs. Institutional EFC; differences

in assessment

• Special circumstances

Higher Education Student Assistance Authority

8

Need

Cost of Attendance Less Expected Family Contribution Equals Need

!"#$%&'()*+,-"./'0-*)%/-'122"2-,/+%'1*-$.&"-3

!

!%456''0.*&+%2'.7'1")'

" #$%$&'() " *+'+$),-).$/)0$&1$2 " 34$)5,(($6$789:;$&1:+2 " <=+1:%$)<&6'9:>'+:,91

? 5:;:@),&6'9:>'+:,91)A$BCD(,@'() E,+'&2)5(=FGH)I'&$9+J1) $KI(,2$&H)4:64)1@4,,()'/'&%1

" L&'9+1 " *@4,('&14:I1 " M,'91 " NKI(,2K$9+)<II,&+=9:+:$1

835%2'.7'9"/,/+",4'1")

Higher Education Student Assistance Authority

10

Scholarships

• A form of “gift aid,” does not have to be

paid back

• Awarded on the basis of academic,

artistic, athletics or other merit attribute

Higher Education Student Assistance Authority

11

Grants

• Gift aid; does not have to be repaid
• Most often awarded on the basis of need

Higher Education Student Assistance Authority

12

Loans

• Must be repaid
• Federal loans
• Privately financed loans
• Terms vary significantly by program
• Borrow wisely
• Is it a good investment?

Higher Education Student Assistance Authority

13

Student Employment

• Offered by colleges using federal or

institutional funds

• Part time
• Paid via a paycheck
• Not generally applied to the college bill

Higher Education Student Assistance Authority

14

Federal Aid Programs 2018-2019

• Federal programs provide by a wide margin the

largest portion of assistance

• Awarded primarily on the basis of need
• Students must apply each year
• Federal Pell Grant up to $6,095
• Federal Stafford Loan
• Federal PLUS Loan
• Campus-Based Programs: SEOG and Federal Work-

Study

Higher Education Student Assistance Authority

15

Federal Stafford Loans

Interest rate for Federal Stafford Loans for the 2018-2019 academic year is 5.045% fixed plus a 1.062% origination fee

!"#$%&'()*+,-"./'0-*)%/-'122"2-,/+%'1*-$.&"-3

!"

435%2'.6'1")'7 0-,-%

# 0-,-%'.6'8%9':%&2%3

$ %&'()%*+,+-.(&+/('01.,2( # 345-.6,01,4(7+.1.8+19(:44/ # ;4(1(<=>=(8+,+?4.@(49+A+B94(.-.C8+,+?4.@(-0(,D-64(6,*/4.,6(ED-( 544,(,D4(04F*+0454.,6(*./40(,D4(%*+,+-.(GF*+,H(I1E # J*6,(B4(:4E(K4064H(L46+/4.,(M(1,,4./(1(:4E(K4064H( N.6,+,*,+-. # J*6,(B4(O*99(,+54(1,(1.(1PP0-Q4/(/4A044(P0-A015 # J44,(199(6,1,4(/41/9+.46 $ R10,C%+54(%&'(O-0(S-*.,H(S-994A46( # J44,(199(%&'((04F*+0454.,6 # T+,D(,D4(4U84P,+-.(-O(B4+.A(4.0-994/(O-0("C!!(804/+,6

!"#$%&'()*+,-"./'0-*)%/-'122"2-,/+%'1*-$.&"-3

!"

435%2'.6'1")'7 0-,-% 8+./-9:

# 0-,-%'.6';%<'=%&2%3

$ %&'()%*+,-./01-2(&3304.+1/.5('+1*6

# 78-4*(4-19:;(<40=(>?@@(A >?BC@@(-11+-225(*:3:1*/19(01(.53:(0<(/1;./.+./01 # D+;.(*:=01;.4-.:(:*+,-./01-2(-1*(:,010=/,-225(*/;-*E-1.-9:*(F-,G940+1* # '/2:('7'H7

$ I0E:4104J;(K4F-1(H,L02-4;L/3

# M-1G(8/.L/1(.L:(.03(CN(0<(.L:/4(,2-;;(-.(.L:(:1*(0<(O+1/04(5:-4 # 7..-/1(-(PQ@(IR7(-.(.L:(:1*(0<(.L:(O+1/04(5:-4 # 7..:1*(-1(-3340E:*(S:8(T:4;:5(,022:9:(04(K1/E:4;/.5(-1*(4:;/*:(/1(-( *:;/91-.:*(,0==+1/.5 # U-E:(-(S:8(T:4;:5(%2/9/F/2/.5(V1*:W(F:208(!@BC@@((

!"#$%&'()*+,-"./'0-*)%/-'122"2-,/+%'1*-$.&"-3

!"

# 0-,-%'0+$.4,&2$"52 $ %&'()*+('

# %&',-./0-12.'345',617'/1'24-'258'!9:'5;'24-/,'<=6..'62'-/24-,'24-'-10'5;'>?1/5,'5,'.-1/5,'@-6, # *<4/-A-'24-',-B?/,-0'.<5,-'51'6'<5==-C-'8=6<-D-12'2-.2'25'0-2-,D/1-'<5==-C-',-60/1-.. # (2?0-12.'D?.2'267-'62'=-6.2'!E'<5==-C-'<,-0/2. # (2?0-12.'D?.2'6226/1'6'<?D?=62/A-'FG*'5;'HIJ'5,'4/C4-,'62'24-'.26,2'5;'24-'24/,0'.-D-.2-,'62' 24-'<5?12@'<5==-C-'25',-D6/1'61'%&'()*+ # K?.2';/=-'6'L,--'*88=/<62/51';5,'L-0-,6='(2?0-12'*/0'ML*L(*N

$ %&'()*+('OO

# +-<-/A-0'%&()*+(';?10/1C'610'46A-'6';6D/=@'26P6Q=-'/1<5D-'5;'=-..'2461'RE9JSJJJ # K?.2'-6,1'61'6..5</62-.'0-C,--'610'C,60?62-'3/24'6'HIE9'FG*'5,'4/C4-,' # K6@',-<-/A-'?8'25'RES9JJ'611?6==@';5,'6'8?Q=/<'5,'8,/A62-'TU@-6,'%&'<5==-C-'5,'?1/A-,./2@ # K?.2'-1,5==';?=='2/D-'M!E'<,-0/2'45?,.N # K?.2';/=-'6'L,--'*88=/<62/51';5,'L-0-,6='(2?0-12'*/0'ML*L(*N

635%2'.7'1")'8 0-,-% 9+./-:;

!"#$%&'()*+,-"./'0-*)%/-'122"2-,/+%'1*-$.&"-3

!"

# 0-,-%'0+$.4,&2$"52

$ %&'()*&)+,-.*/0,1)2-3&4516&*-748&95),86:-;&)-<&=(*->-?6*&)616(,-@AB-C %.37D # E:-1&-FGHIII-:()-2(5)-;&)-18(-4&,1-&;-(*)&99=(*1-51-&*(-&;-A(J-B(),(2+,- !"-K&0*12-K&99(L(,H-M(48*6459-N-3&4516&*59-748&&9,H-,&=(-O)&:)6(15)2- 748&&9, # P(*(;61,-J&=(*-5*/-=6*&)616(,-:0),06*L-4()16;6451(-&)-/(L)((-:)&L)5=,- 6*-4&*,1)0416&*-$ )(951(/-;6(9/, # ?0,1-Q(-AB-)(,6/(*1 # ?0,1-;69(-5-RSR7S->-4&=:9(1(-,(:5)51(-5::964516&*-&*96*(-51- JJJT*UL)5*1,T&)L # 7&=(-&;-18(-:)&L)5=,-(96L6Q9(-;&)-18(-,48&95),86:-6*490/(-

• K&*,1)0416&*-70:()'6,6&*
• 7&95)-V*()L2-M(48*&9&L2
• S)4861(410)59-V*L6*(()6*L-M(48*&9&L2

635%2'.7'1")'8 0-,-% 9+./-:;

!"#$%&'()*+,-"./'0-*)%/-'122"2-,/+%'1*-$.&"-3

!"

4.,/256-$%&'7%2.*&+%2'8.&' 0-*)%/-259,&%/-2

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

R34181C4%8541C%53?%K11C%581%C.P[1O4%46%OI5391B%C6%OI1O\%Q=4I%4I1%/86T=?18%P1K681%/86O11?=39

Higher Education Student Assistance Authority

21

Other Resources

Foundations, businesses, charitable organizations, employers, unions Start research early. Web Resources: www.hesaa.org www.collegeboard.org www.mappingyourfuture.org High school guidance office Free internet scholarship search engine: www.fastweb.com https://bigfuture.collegeboard.org/scholarship-search https://www.scholarships.com/

!"#$%&'()*+,-"./'0-*)%/-'122"2-,/+%'1*-$.&"-3

!!

" #$%&'()*+,-./01&-'2& " 3042$&*5(4'6'&%)1)(*7084)6%* 7/06& " 3042$&*942/.84)6% " +2),'0/':)(*3042$&*#22.1%$6'%')& ! ;)&'()6%'0/*5(<'&.1&

! +%$()6%*54=0&&0(.1& ! +%$()6%*>.$1*?$'()& ! @6%)16&-'2&A3#B#7C+

4-$%&'5%2.*&+%2

Higher Education Student Assistance Authority

23

• Entitlement/formula driven awards

– Pell Grants – Tuition Aid Grants (TAG)

• Federal Stafford Loan
• Other Federal aid: SEOG and Federal Work-Study
• Institutional aid

Financial Aid Packaging

Higher Education Student Assistance Authority

24

• Institutionally funded grants and scholarships
• Need-based or merit-based?
• Schools meeting full need – far and few between
• Differential or preferential aid packaging
• Need gaps
• What is your bottom line?
• Difficult decisions

Financial Aid Packaging

Higher Education Student Assistance Authority

25

Appeals

• If it is need-based be prepared to make

your case

• If it is merit-based, be sure you have a

case to make

• Set the right tone; do not try to “negotiate”
• Disclosing offers from other schools; is it a

good idea?

Higher Education Student Assistance Authority

26

Consumer Issues

• Need-based aid? Changes in need from year to

year; will there be an adjustment?

• Treatment of outside scholarships
• Scholarship scams
• Consultants: good or bad idea?
• Award letters; review them carefully
• Renewability of awarded aid; minimum GPA?

Higher Education Student Assistance Authority

27

Sample Award Letter

• Award letter format may

vary by institution

• Available in hard copy
• r on-line
• Available after FAFSA

filed and student is accepted

• Used to compare aid

packages

!"#$%&'()*+,-"./'0-*)%/-'122"2-,/+%'1*-$.&"-3

!"

# $%%&'()*'*+*',()&-+)*&./01&/&(1*&23'41& 4/%4+%/*,3&2,)*15&,(&*.1'3&617)'*1)8 # 9*+51(*)&6'%%&71&/7%1&*,&1)*'-/*1&*.1& '(5'0'5+/%&(1*&23'41&213&'()*'*+*',(8 # :/)15&,(&;+%%<*'-1=&;'3)*&51>311?413*';'4/*1< )11@'(>&+(513>3/5+/*1&)*+51(*)8

4%-'5&"+%'6,7+*7,-.&

Higher Education Student Assistance Authority

The Shopping Sheet standardizes award letters, making it easier to comparison shop and provide students with key information including:

• How much one year of school will

cost.

• Financial aid options to pay this

cost, with a clear differentiation between grants and scholarships, which do not have to be repaid, and loans, which do.

• The net costs after grants and

scholarships are taken into account.

• Information comparing default

rates, graduation rates, and median debt levels for the school.

• Potential monthly payments for the

federal student loans the typical student would owe after graduation.

Shopping Sheet

29

!"#$%&'()*+,-"./'0-*)%/-'122"2-,/+%'1*-$.&"-3

!"

0$.44"/#'0$%%-'5&%,6).7/

!"#$%&'()*+,-"./'0-*)%/-'122"2-,/+%'1*-$.&"-3

!"

1445"+,-"./2'-.'1++%22'1")

$%2,,6.&# 2

• *

) % /

• 6

+ . 5 5 % # % 7 . , & ) 6 . & # 8 4 & . 9 " 5 % 9,92,6%)6#.:

Higher Education Student Assistance Authority

32

Early FAFSA

• On September 13, 2015 , the U.S. Department of

Education’s FAFSA team announced a change in how and when students complete the Free Application for Federal Student Aid (FAFSA)

• Families will begin to complete the FAFSA on

October 1st using income information from two years prior

• This change is known as Prior - Prior Year (PPY)
• The change more closely aligns the financial aid

application with the admission application process

Higher Education Student Assistance Authority

33

• 2019-2020 FAFSA available October 1, 2018
• FAFSA will use prior prior year income information

(20l7)

• IRS Data Retrieval Tool can be used immediately

– All prior prior year tax information (2017) is already filed, allowing immediate retrieval.

Application: FAFSA

Higher Education Student Assistance Authority

34

Notification of Which Tax Year to Use

Applicants and parents will be instructed to provide financial information from their 2017 tax return

2017 2017

Higher Education Student Assistance Authority

35

Message about Tax Completion

2017 2017

!"#$%&'()*+,-"./'0-*)%/-'122"2-,/+%'1*-$.&"-3

!"

# $%&'()*)+,*-.,,*/001(23)(45*64.*-,7,.31*$)%7,5)* /(7*8-/-$/9*0.(4.*)4*)+,*,3.1(,:)*:2+441;:* 7,371(5,*<*24'01,),*)+,*=>*$)3),*$0,2(6(2* ?%,:)(45: # @4*,5:%.,*'3A('%'*245:(7,.3)(45*64.*6,7,.31B* :)3),B*357*(5:)()%)(4531*3(7B*2+,2C*(564.'3)(45* 6.4'*,32+*:2+441*)4*7,),.'(5,D

E F,G%(.,7*3001(23)(45*'3),.(31:* E /001(23)(45*7,371(5,:

1445"+,-"./6'71701

Higher Education Student Assistance Authority

37

• Collects family’s personal and financial information used to

calculate the student’s Expected Family Contribution

• File the FAFSA electronically

– FAFSA on the Web at www.fafsa.ed.gov – Student & Parent must create a Federal Student Aid ID

(FSA ID) at fsaid.ed.gov

• Use the IRS Data Retrieval Tool to populate income & tax

information with actual prior - prior year tax information (currently 2017)

Free Application for Federal Student Aid (FAFSA)

Higher Education Student Assistance Authority

38

IRS Data Retrieval Tool

• The IRS data retrieval tool or (DRT) is used to

transfer tax return information into the FAFSA

• The DRT will be available beginning October 1st

to support early FAFSA

• Tax filers who file Married filing separately,

amended tax returns, and foreign tax returns cannot use DRT

What is a Federal Student Aid (FSA) ID?

Higher Education Student Assistance Authority

39

• In order to enhance security, FAFSA has created a user

name and password login at www.fsaid.ed.gov

• Password resets, retrieval of User ID's and passwords

can be accomplished at www.fsaid.ed.gov

ü PIN number is not necessary to create a FSA ID

• If you are a parent of a dependent student, you will

need your own FSA ID

!"#$%&'()*+,-"./'0-*)%/-'122"2-,/+%'1*-$.&"-3

!"

# $%&'()*+,(*(+*-./(012.*-(0,2%3.'4(5%67,3 # $%&'(7,(,831--,/(13(*22,9',/(:13(,831--6,8'(.8( *8(,-.;.7-,(931;3*6(1:(&'%/4 # $%&'(7,(9%3&%.8;(*(/,;3,,<(2,3'.:.2*',<(13( 1'),3(3,21;8.=,/(23,/,8'.*- # $%&'(7,(*(>?0?(2.'.=,8(13(,-.;.7-,(8182.'.=,8 # $%&'(7,(3,;.&',3,/(@.')(0,-,2'.+,(0,3+.2,( A6*-,&(*3,(3,B%.3,/C

4%/%&,5'!"#$5"#$-%)'(5"#"6"5"-3' 7%8*"&%9%/-2':.&';1;01

!"#$%&'()*+,-"./'0-*)%/-'122"2-,/+%'1*-$.&"-3

!"

4%3'5.67./%/-2'.8

• $%'91901

# $%&'()%*+(,-./012345 6 7&88*90,( 6 $-4308*$(4&/3%:*9&,;(/ 6 +0%(*-<*=3/%2 6 9>*0118340)%5*,&5%*1/-?3'(*0)*0)5@(/*%-*%2(*'/3?(/A5*834()5(* B&(5%3-)5C 6 1:: 0118340)%5*,&5%*3)'340%(*%2(3/*.()'(/C # $%&'()%*D)4-,(*0)'*E55(%5 6 DF$*+0%0*F(%/3(?08 6 D)4-,(*(0/)('*</-,*@-/G # $%&'()%*$%0%&5H*+(1()'()%ID)'(1()'()% # J0/()%*+(,-./012345KL2-*35*0*J0/()%M 6 $-4308*$(4&/3%:*9&,;(/ 6 N05%*90,( 6 +0%(*-<*=3/%2

!"#$%&'()*+,-"./'0-*)%/-'122"2-,/+%'1*-$.&"-3

!"

# $%&'()%*+,-./( 1&23(4,.5,6%**(7( # 894(5:;'<,=56%2(,95+,>''(:' =?-,@9:9,?(:4.(A9* =56%2(,(945(+,B4%2,C%4D @.'*%69:(+,E%4D(4 # F(+(49*,G(95',H(':(+,I(5(B.:' G(+.69.+J,--=J,-1>8J,F4((,%4,?(+&6(+,84.6(,-6)%%*,K&56)J,H>1FJ,E=L K.':,9**,6%**(7(',%B,.5:(4(':,;&M,:%,NO< # P56(,'&32.::(+J,&'(,:)(,*.5D,B4%2,:)(,F>F->,6%5B.429:.%5,M97(,:%,$Q->>R',1SF>G-, M%4:9*,:%,6%2M*(:(,:)(,9++.:.%59*,+9:9,(*(2(5:',B%4,H&.:.%5,>.+,T495:,;H>T<,95+,1S,

• H>?-,;==<,(*.7.3.*.:UV

>MM*.695:',C)%,3UM9'',95'C(4.57,:)(,-:9:(,W&(':.%5'J,')%&*+,*%7,.5:%,1SF>G-,:%,64(9:(, 9,&'(4,=@,95+,M9''C%4+,:%,6)(6D,95+,6%2M*(:(,95U,%&:':95+.57,.:(2',%5,:)(.4,XH%,@%Y,*.':

4%3'5.67./%/-2'.8

• $%'91901':+./-;<

!"#$% &'()**"+(,'-(.&/&0()#1(

234562347

8#9:0-(;1<$/&#'=(.&<10=&()>>#>&/=$0()<&:'-#&+

!"

!"#$%&'()*+,-"./'0-*)%/-'122"2-,/+%'1*-$.&"-3

!!

4.55./'6"2-,7%2'6,)% ./'-$%'81801

" #$%&'($)*+(,-'+,*+.$+,//',0*+1(+$2'+*13.,4+ *'3%0.$5+3,0&6+*13.,4+*'3%0.$5+(%-7'06+,(&+ &,$'+18+7.0$29 " :,0'($+*'3$.1(+;*9+#$%&'($+*'3$.1(+ " <%-7'0+18+/'1/4'+.(+$2'+21%*'214& " =.;103'&>0'-,00.'&+21%*'214&* " ?,@'*+/,.&+;*9+$,@'*+A.$22'4& " B(34%&.(C+%($,@,74'+*13.,4+*'3%0.$5+7'('8.$*+ " :,0'($,4+,(&+*$%&'($+,**'$* D EF'01G+.*+,+(%-7'0 " H144'C'+C0,&'+4';'4+ " #I.//.(C+$2'+C'(&'0+J%'*$.1(

Higher Education Student Assistance Authority

45

New Jersey Alternative Financial Aid Application

Higher Education Student Assistance Authority

46

New Jersey Alternative Financial Aid Application

– TAG (Tuition Aid Grant)

• Demonstrate Financial Need
• Students must meet the requirements under the Tuition Equity

Law

• Must be New Jersey Resident & attend a New Jersey Institution
• Must be full time at an approved degree program
• Meet all state deadlines

– Part-Time TAG for County Colleges

• Meet all TAG requirements
• With the exception of being enrolled for 6-11 credits

– Must meet all TAG requirements to be considered for all State aid programs (as discussed previously)

!"#$%&'()*+,-"./'0-*)%/-'122"2-,/+%'1*-$.&"-3

!"

456170

# $%%&'()*+,('&-)'(&./&(/&01234$1567/8.9& # :'(;<%='>&;,&12?$@6&$AA/),(&<B&A8+;(=,.&;&C'+8&DE& ;,*&F;''G/8*&

!"#$%&'()*+,-"./'0-*)%/-'122"2-,/+%'1*-$.&"-3

!"

456170

!"#$%&'()*+,-"./'0-*)%/-'122"2-,/+%'1*-$.&"-3

!"

# $%&'()*!++*,-((%.%/*&01*2'.&034&53-0/*6/%*57%*,88* 9'-:3(%*5-*1%5%';30%*7-<*57%)*<3((*&<&'1*30/535653-0&(* :601/ # =>&3(&?(%*@+A@*%&B7*)%&'*&01*B-((%B5/*;-'%* B-;9'%7%0/3>%*30B-;%C*&//%5*&01*7-6/%7-(1* 30:-';&53-0*57&0*57%*D=D8=*E3F%F*&//%5/*:-'*?6/30%//*

• <0%'/*'%.&'1(%//*-:*06;?%'*-:*%;9(-)%%/

# =(3.0/*<357*57%*D=D8=G/*6/%*-:*9'3-'*H 9'3-'*)%&'*30B-;%* EB6''%05()*I+@JK L%.3/5%'*H ,-;9(%5%*=99(3B&53-0*M N&O%*9&);%05*H 86?;35

1445"+,-"./6'700'8&.9"5%

!"#$%&'()*+,-"./'0-*)%/-'122"2-,/+%'1*-$.&"-3

400'5&.6"7%

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

0001%'23#4'15),,#6#$)*/31)/67+/).&,#

! "#$%&'#(')(*++,-(.)/(8)452%')3&*,(9/).&,#:

000145+/).&,#15),,#6#$)*/31)/6

;2%')<#/(=#/>&5# ?@ABCDEBEFE? G#,+H5%%+/).&,#1)/6

A@

!"#$%&'()*+,-"./'0-*)%/-'122"2-,/+%'1*-$.&"-3

!"

4$%'53+6%'.7'8"/,/+",6'1")

#$%&' ()*$+&' ,-./01%1&23243&)//05$)%5-67& $-00181&91)*$+7&$-00181&)//05$)%5-6&/*-$1997& )6:&,44&;*-<501 21=*>)*?&' ()?&' 4$+--09&916:&)@)*:&&01%%1*9 A>61&'A>0?&&' 4$+--0&916:9&2)00&41.19%1*&=500

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

! "#$%&'(%')(*+,&+-(%).&//&0'1(2&'%'3&%4(%&)(.%$+*&%4/(%')( )+%)4&'+/(2*0.(+%35(/35004($0(-5&35(607(%*+(%8846&'9 ! :++$(%44(%884&3%$&0'()+%)4&'+/

; <==(>*02&4+(&2(%884&3%#4+ ; <0.84+$+($5+(?@?=@(%')(%'6(0$5+*(%884&3%$&0'( .%$+*&%4/(*+A7&*+)(#6($5+(/35004(0*(607*(/$%$+( %9+'36((B CD(=$%$+()+%)4&'+/(%*+E

! F@G(H+'+-%4(=$7)+'$/(; @8*&4(IJ1(KLIM(8*+3+)&'9($5+( %3%)+.&3(6+%*(20*(-5&35(%&)(&/(*+A7+/$+) ! @44("$5+*(@884&3%'$/(; =+8$+.#+*(IJ1(KLIM(20*(?%44(%')(=8*&'9( $+*.(%-%*)/N(?+#*7%*6(IJ1(KLKL(20*(=8*&'9(%-%*)/(0'46

,./"#$%012345.'6%7521#65%899.95463#%825"'$.5:

JK

!"#$%&'()*+,-"./'0-*)%/-'122"2-,/+%'1*-$.&"-3

!"

# $%&'()*+,*-./*0123*!45*(67+18,*9261*-0*6:6;<*6* ,=.026;,.+>*;618+18*?;0@*A!BBCADE!BB # FG1<+18*?0;*$%&'()*,=.026;,.+>,*=0@/,*?;0@* H'(II # '6;1+18,*01*-./*$%&'()*9261*6;/*-6J*?;//*:./1* G,/<*-0*>63*?0;*-./*KG62+?+/<*.+8./;*/<G=6-+01* /J>/1,/,*0?*61*$%&'()*L/1/?+=+6;3 # M+@+-*.0:*@G=.*=61*L/*=01-;+LG-/<*611G6223

456(07' 8.99%#%'0,:"/#2';9,/

!"#$%&'()*+,-"./'0-*)%/-'122"2-,/+%'1*-$.&"-3

!"

!(011'0%&4"+%2

# $%&'()*%+

5556$%2,,6.&# 5556/7#&,/-26.&# 5556/7+8,226.&# $--92:;;/7<,=26$%2,,6.&#

# ,-+*./%0',10%'2)3%

>?@ABCDADDC?

# 4567(8 # 91::)3;<.-0=-*-0%>.0;

!"#$%&'($)

*&+,#-./0"12%&'(.3%"0#(%.4$$&$%2(1#.4"%,'-&%5

!!

!"#$%&'()

*+,"-.&/0)1#2+($&32)0-$2&455+52#$1-&4)2"(.+2'