07/04/2025

BANKING & INSURANCE ˻ ͘ ˜ ͓͓͖͑

Љjº ©ºÐÛ̉ÌÐ ¹ÛÐØ ÛÉв©´´ j¢‰ºØÐ j¹© º‰å ‰¹jº Ð

8PSMEXJEF 4UBJOMFTT BOE :BOLPOH (SPVQ $&0 %BOOZ 5BO 8FJ #FPI TBJE i5IJT TJHOJOH NBSLT B TJHOJGJDBOU TUFQ GPS 8PSMEXJEF 4UBJOMFTT XJUI UIF TVDDFTTGVM BDRVJTJUJPO PG #BISV 4UBJOMFTT 4EO #IE XIJDI JT UIF POMZ TUBJOMFTT TUFFM NJMM JO .BMBZTJB GSPN "DFSJOPY 4" BU B QVSDIBTF DPOTJEFSBUJPO PG 64 NJMMJPO 3. NJMMJPO 5IJT NJMFTUPOF USBOTBDUJPO XPVME OPU IBWF CFFO QPTTJCMF XJUIPVU UIF TUSPOH TVQQPSU BOE DPNNJUNFOU GSPN PVS GJOBODJBM QBSUOFS "N#BOL i"N#BOL T DPOGJEFODF JO PVS WJTJPO BOE DBQBCJMJUJFT XBT EFNPOTUSBUFE UISPVHI UIFJS QJWPUBM SPMF JO GJOBODJOH PG UIF EFBM 5IF GBJUI UIFZ IBWF QMBDFE JO VT SFGMFDUT OPU POMZ PVS DPNQBOZ T TUBOEJOH XJUIJO UIF TUBJOMFTT TUFFM JOEVTUSZ CVU BMTP UIF FOEVSJOH USVTU XF IBWF CVJMU UPHFUIFS PWFS UIF ZFBST w $BQBCJMJUJFT %FMJWFS CFTU JO DMBTT TFSWJDFT BOE QSPQPTJUJPOT CZ FNCSBDJOH UIF i4JNQMFS #FUUFS 'BTUFSw BQQSPBDI UP JODSFBTF QSPEVDUJWJUZ BOE FGGJDJFODZ #Z $*.# BJNT UP BDIJFWF B 5PQ JO OFU QSPNPUFST TDPSF UPQ RVBSUJMF 30& BNPOH SFHJPOBM QFFST DVSSFOU BDDPVOU TBWJOHT BDDPVOU SBUJP PG OPO JOUFSFTU JODPNF SBUJP PG CFUXFFO BOE BOE DPTU UP JODPNF SBUJP JO UIF MPX T i8JUI 'PSXBSE UIF HSPVQ BJNT UP DPOUJOVF FOIBODJOH PVS QPTJUJPO BT UIF MFBEJOH GPDVTFE "TFBO CBOL ESJWJOH NFBOJOHGVM BOE MBTUJOH JNQBDU GPS DVTUPNFST FNQMPZFFT BOE TPDJFUJFT 8F XJMM BDUJWFMZ QVSTVF PQQPSUVOJUJFT UP SFJNBHJOF PVS PQFSBUJOH NPEFM VOMPDL OFX BSFBT PG HSPXUI XIJMF HFOFSBUJOH MPOH UFSN TVTUBJOBCMF WBMVF w TBJE /PWBO (8 ۺ䉩´Ð Щæīç‰jÌ #¿ÌåjÌ Řŕ Ø¿ j€€‰´‰Ìj؉ ¢Ì¿åØ¨Ę ’ÛØÛ̉ ÉÌ¿¿’ ¢Ì¿ÛÉ 1&5"-*/( +":" $*.# (SPVQ )PMEJOHT #IE IBT MBVODIFE 'PSXBSE B OFX TJY ZFBS SPBENBQ EFTJHOFE UP BDDFMFSBUF HSPXUI BOE GVUVSF QSPPG UIF PSHBOJTBUJPO XIJMF SFJOGPSDJOH JUT DPSF QVSQPTF PG BEWBODJOH DVTUPNFST BOE TPDJFUZ 'PMMPXJOH UIF TVDDFTTGVM DPNQMFUJPO PG JUT 'PSXBSE ' TUSBUFHJD QMBO JO XIJDI UIF HSPVQ JNQSPWFE SFUVSO PO FRVJUZ 30& GSPN JO UP BOE EFMJWFSFE BOOVBMJTFE UPUBM TIBSFIPMEFST SFUVSO PG GSPN UP $*.# JT XFMM QPTJUJPOFE GPS JUT OFYU QIBTF PG HSPXUI 5IF SFBMJTBUJPO PG ' XBT NBJOMZ BUUSJCVUFE UP UIF TVDDFTTGVM SFTIBQJOH PG QPSUGPMJPT JO UIF SFTQFDUJWF NBSLFUT IBSE XJSJOH PG B OFX DPSQPSBUF DVMUVSF BO VOXBWFSJOH GPDVT PO JNQSPWJOH BTTFU RVBMJUZ BOE JNQSPWJOH FGGJDJFODJFT BOE SFTJMJFODJFT $*.# (SPVQ $&0 /PWBO "NJSVEJO TBJE i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w 'PSXBSE JT BODIPSFE PO GPVS TUSBUFHJD HSPXUI MFWFST $BQJUBM 0QUJNJTF BOE SFBMMPDBUF UIF HSPVQ T DBQJUBM UP TUSFOHUIFO PWFSBMM QPSUGPMJP $BTI #VJME B MFBEJOH EFQPTJU GSBODIJTF UP SFEVDF DPTU PG GVOET CZ UP CQT CZ $SPTT TFMM 6OMPDL WBMVF UISPVHI UIF iPOF CBOLw BQQSPBDI UP PGGFS DMJFOUT GSPN BMM TFHNFOUT XJUI JOUFHSBUFE GJOBODJBM TPMVUJPOT UP VOMPDL OFX JODPNF TUSFBNT

ØÝÞÓÞßÞÏ˪Ý ÝËãÝ ÞÜËÎÓÞÓÙØËÖ áËã ÙÐ ÝÏÖÖÓØÑ ÚÙÖÓÍÓÏÝ ÙßÞÎËÞÏΘ ÒÓÑÒÖÓÑÒÞÝ Ó×ÚÙÜÞËØÍÏ ÙÐ ÎÓÑÓÞËÖÓÝËÞÓÙØ

Ű TVOCJ[!UIFTVOEBJMZ DPN

,6"-" -6.163 "T .BMBZTJB BTTVNFT UIF DIBJSNBOTIJQ PG "TFBO UIJT ZFBS PQQPSUVOJUJFT GPS SFHJPOBM DPMMBCPSBUJPO JO UIF JOTVSBODF JOEVTUSZ QBSUJDVMBSMZ JO FEVDBUJPO BOE USBJOJOH BSF FYQBOEJOH 5IF "TFBO *OTVSBODF 5SBJOJOH 3FTFBSDI *OTUJUVUF $&0 1BVM -PX TBJE UIF JOTUJUVUF IBT BMSFBEZ BDUJWFMZ GBDJMJUBUFE TVDI JOJUJBUJWFT CZ TPVSDJOH FYQFSU TQFBLFST UP USBJO SFHVMBUPST BDSPTT "TFBO i*O BMPOF UIF JOTUJUVUF IBT QMBOT UP DPOEVDU TJY QSPHSBNNFT JODMVEJOH B SFDFOU TFTTJPO PO IFBMUI JOTVSBODF i"EEJUJPOBMMZ UIFSF JT HSPXJOH EFNBOE GPS TQFDJBMJTFE USBJOJOH TVDI BT BO VQDPNJOH QSPHSBNNF PO FMFDUSJD WFIJDMFTu -PX XIP JT BMTP $&0 PG UIF "TJBO *OTUJUVUF PG *OTVSBODF "JJ TBJE "OE "JJ XJMM CF QSPWJEJOH UIJT TQFDJBMJTFE USBJOJOH UP UIF JOEVTUSZ i*OEPOFTJB GPS FYBNQMF IBT FYQSFTTFE JOUFSFTU JO IPTUJOH UIF QSPHSBNNF MPDBMMZ 4JNJMBSMZ UIF JOTUJUVUF T QSPGFTTJPOBM DFSUJGJDBUJPO QSPHSBNNF IBT ESBXO SFRVFTUT GSPN *OEPOFTJB UP CF DPOEVDUFE PO TJUF UP SFEVDF USBWFM DPTUT i"** JT BMTP TFFJOH TUSPOH QBSUJDJQBUJPO GSPN $BNCPEJB XJUI NBOZ QSPGFTTJPOBMT FOSPMMJOH JO JUT DFSUJGJDBUJPO QSPHSBNNF UISPVHI WBSJPVT GPSNBUT JODMVEJOH F MFBSOJOH JO QFSTPO TFTTJPOT BOE IZCSJE NPEFMTu IF UPME 4VO#J[ .FBOXIJMF -PX IJHIMJHIUFE B EFDMJOJOH USFOE JO UIF OVNCFS PG JOTVSBODF BHFOUT XJUIJO UIF JOEVTUSZ )F TBJE UIF MJGF JOTVSBODF JOEVTUSZ JT FYQFSJFODJOH B EFDMJOF JO UIF OVNCFS PG BHFOUT B USFOE ESJWFO CZ UIF BWBJMBCJMJUZ PG NPSF BUUSBDUJWF DBSFFS PQUJPOT i'PS FYBNQMF JO $IJOB UIF OVNCFS PG BHFOUT IBT ESPQQFE GSPN BSPVOE NJMMJPO GJWF ZFBST BHP UP KVTU NJMMJPO UPEBZ 5IJT EFDMJOF JT MBSHFMZ EVF UP B MBDL PG QSPGFTTJPOBM TLJMMT BOE UIF JOBCJMJUZ UP TVTUBJO RVBMJUZ CVTJOFTT QSBDUJDFT u -PX OPUFE B TJNJMBS USFOE FNFSHJOH JO .BMBZTJB UIPVHI OPU BT TFWFSF )F TBJE UIF OVNCFS PG BHFOUT JO MJGF BOE HFOFSBM JO

-PX TBZT EJHJUBMJTBUJPO QSFTFOUT PQQPSUVOJUJFT UP BHFODJFT UIBU BSF XJMMJOH UP FWPMWF

&MBCPSBUJOH PO BEBQUJOH EJHJUBM USBOT GPSNBUJPO BOE JOTVSUFDI JOOPWBUJPO IF TBJE DPNQBOJFT BSF BEPQUJOH EJHJUBMJTBUJPO CVU UIF FYUFOU WBSJFT 4NBMMFS PS OFXFS GJSNT UFOE UP FNCSBDF JU NPSF SFBEJMZ XIJMF MBSHFS FTUBCMJTIFE DPNQBOJFT m FTQFDJBMMZ UIPTF XJUI B TUSPOH BHFODZ GPSDF m GBDF HSFBUFS DIBMMFOHFT i"HFOUT PGUFO QFSDFJWF EJHJUBMJTBUJPO BT B UISFBU UP UIFJS MJWFMJIPPE )PXFWFS SFHBSEMFTT PG TJ[F BMM DPNQBOJFT NVTU FNCBSL PO UIJT EJHJUBM USBOTGPSNBUJPO *U JT OP MPOHFS BO PQUJPO CVU B OFDFTTJUZ u -PX TBJE )F BMTP TBJE JU JT FODPVSBHJOH UP TFF UIBU SFHVMBUPST BOE JOEVTUSZ TUBLFIPMEFST BSF OPX JOWPMWFE JO DPMMBCPSBUJWF EJTDVTTJPOT SFDPH OJTJOH UIBU NFBOJOHGVM TPMVUJPOT PGUFO SFRVJSF DPOUSJCVUJPOT GSPN BMM TJEFT i'PS FYBNQMF SFGPSNJOH UIF IFBMUIDBSF NPEFM JT B DPNQMFY DIBMMFOHF CVU UIF HSPXJOH GPDVT PO BGGPSEBCJMJUZ BOE LFFQJOH NFEJDBM JOGMBUJPO BU CBZ JT B TUFQ JO UIF SJHIU EJSFDUJPO u "T GPS BEWBODJOH UIF JOTVSBODF QSPGFTTJPO -PX TBJE "JJ QMBZT B DSVDJBM SPMF JO FRVJQQJOH QSPGFTTJPOBMT XJUI UIF TLJMMT OFFEFE UP NFFU UIF JOEVTUSZ T DPOTUBOUMZ FWPMWJOH EFNBOET JO PQFSBUJOH JO BGGJMJBUJPO XJUI UIF HSPVQ "N#BOL (SPVQ CVTJOFTT CBOLJOH NBOBHJOH EJSFDUPS $ISJTUPQIFS :BQ TBJE i8F BSF IPOPVSFE UP CF UIF HSPVQ T NBJO CBOLFS BT XF TVQQPSU UIFN UISPVHI UIJT DPNNFOEBCMF NJMFTUPOF 5IJT JT OPU KVTU B UVSOJOH QPJOU GPS CPUI PSHBOJTBUJPOT JU BMTP SFQSFTFOUT B CPME TUFQ GPSXBSE UIBU XJMM CFOFGJU UIF .BMBZTJBO FDPOPNZ BOE PVS OBUJPO T TUBJOMFTT TUFFM JOEVTUSZ i5IF TUBJOMFTT TUFFM JOEVTUSZ JO .BMBZTJB JT QPJTFE GPS HSPXUI BOE XJUI #BISV 4UBJOMFTT FYQFSUJTF DPNCJOFE XJUI PVS GJOBODJBM TVQQPSU XF BSF SFBEZ UP DBQUVSF OFX PQQPSUVOJUJFT JO MPDBM BOE HMPCBM NBSLFUT 5ISPVHI UIJT XF IPQF UP TVQQPSU MPDBM JOEVTUSJFT GPTUFS KPC DSFBUJPO BOE FDPOPNJD HSPXUI JO .BMBZTJB QPTJUJPOJOH PVSTFMWFT UP NBLF B TJHOJGJDBOU JNQBDU JO UIF .BMBZTJBO NBSLFUQMBDF w

TVSBODF JT BMTP EFDSFBTJOH 5P CVJME B TVTUBJOBCMF CVTJOFTT DPN QBOJFT NVTU FRVJQ UIFJS BHFODZ GPSDF XJUI QSPGFTTJPOBM BOE EJHJUBM TLJMMT -PX TBJE i5IF USBEJUJPOBM XBZ PG TFMMJOH JOTVSBODF JT CFDPNJOH PVUEBUFE FTQFDJBMMZ BNPOH ZPVOHFS HFOFSBUJPOT XIP SFMZ PO EJHJUBM UPPMT UP DPOEVDU CVTJOFTT u )F QPJOUFE PVU UIBU EJHJUBMJTBUJPO QMBZT BO FWFO HSFBUFS SPMF JO HFOFSBM JOTVSBODF 1SPEVDUT TVDI BT DBS BOE USBWFM JOTVSBODF DBO FBTJMZ CF TPME POMJOF OPX JG DPNQBOJFT EFWFMPQ FGGJDJFOU QPSUBMT BOE DMBJNT TZTUFNT -PX TBJE XJUI B XFMM EFTJHOFE EJHJUBM QMBUGPSN CVTJOFTTFT DBO SFEVDF DPTUT XIJDI XJMM VMUJNBUFMZ CFOFGJU UIF DPOTVNFST i5IJT TIJGU NJSSPST UIF SJTF PG F DPNNFSDF QMBUGPSNT MJLF 4IPQFF BOE -B[BEB m XIJMF QIZTJDBM TIPQQJOH TUJMM FYJTUT NBOZ DPOTVNFST QSFGFS POMJOF PQUJPOT GPS DPOWFOJFODF i5P TUBZ DPNQFUJUJWF JOTVSBODF BHFOUT NVTU BEBQU CZ FNCSBDJOH EJHJUBM UPPMT BOE OFX CVTJOFTT NPEFMT 8IJMF EJHJUBMJTBUJPO QPTFT DIBMMFOHFT GPS USBEJUJPOBM BHFODJFT JU BMTP QSFTFOUT PQQPSUVOJUJFT GPS UIPTF XJMMJOH UP FWPMWF u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

¹ jº² ¢ÌjºØÐ K8Ŗ ’©ºjº€©º¢ Ø¿ a¿Ì´ å© ‰ OØj©º´‰ÐÐ ’¿Ì j¨ÌÛ OØj©º´‰ÐÐ ‰j´ 1&5"-*/( +":" "N#BOL (SPVQ IBT HSBOUFE 3. CJMMJPO GJOBODJOH GBDJMJUJFT UP 8PSMEXJEF 4UBJOMFTT 4EO #IE BO BGGJMJBUF PG :BOLPOH (SPVQ GPS UIF BDRVJTJUJPO PG #BISV 4UBJOMFTT 4EO #IE GSPN "DFSJOPY 4" B TUBJOMFTT TUFFM NBOVGBDUVSFS CBTFE JO 4QBJO

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

ËØÕÓØÑ ʶ ÓØËØÍÏ

ÎßÍËÞÓÙØ ÏáÝ˹ ÏËÖÞÒ ʶ ÏÖÖØÏÝÝ TUES

ÜÙÚÏÜÞã

WED

MON

THUR