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INTERNATIONAL PERSONAL FINANCE PLC

Prospectus • Apr 21, 2015

4870_rns_2015-04-21_e4a64c91-c8b5-44e0-b6d2-ad763490d0ea.pdf

Prospectus

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Final Terms dated 21 April 2015

international Personal Finance pic Issue of EUR 100,000,000 5.750% Senior Unsecured Unsubordinated Fixed Rate Notes due 2021 (to be consolidated and form a single series with the existing EUR 300,000,000 5.750% Senior Unsecured Unsubordinated Fixed Rate Notes due 2021 issued on 7 Apni 2014)

Guaranteed by IPF Holdings Limited, International Personal Finance Investments Limited and IPF International Limited under the EUR 1,000,000,000 Euro Medium Term Note Programme

PART A - CONTRACTUAL TERMS

Terms used herein shall be deemed to be defined as such for the purposes of the Conditions (the Conditions) set forth in the Prospectus dated 21 March 2014 which are incorporated by reference in the Prospectus dated 27 February 2015, This document constitutes the Final Terms of the Notes described herein for the purposes of Article 5.4 of the Prospectus Directive and must be read in conjunction with the Prospectus dated 27 February 2015, which constitutes a base prospectus for the purposes of the Prospectus Directive (the Prospectus), save in respect of the Conditions which are extracted from the Prospectus dated 21 March 2014. Full information on the Issuer, the Guarantors and the offer of the Notes is only available on the basis of the combination of these Final Terms and the Prospectus. The Prospectus has been published on the website of the Regulatory News Service operated by the London Stock Exchange at: httD://www.londonstockexchancie.com/exchange/Drices-and-news/news/market" news/market-news-home.html.

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21. Early Redemption Amount

20.

Early Redemption Amount(s) per Calculation Amount payable on redemption for taxation reasons or on event of default or other early redemption: EUR 1,000 per Calculation Amount

GENERAL PROVISIONS APPLICABLE TO THE NOTES

22 . F
f
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:		 B
N
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of
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24 . N
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C
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:		 N
o

The Issuer Signed on behalf of International Personal Finance pic

By: / \_ r^ ^^. Duly authorised V

The Guarantors Signed on behalf of IPF Holdings Limited

By: Duly authorised } \ C i^^~^

Signed on behalf of International Personal Finance Investments Limited

By: Duly authorised / '' ,<

Signed on behalf of IPF International Limited

By: '/| ; Duly authorised /'' '^^-i^

PART B - OTHER INFORMATION

1. LISTING

(i)
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2.
R
A		 T
IN
G
S

Ratings: The Notes to be issued have been rated:

Fitch: BB+

3. INTERESTS OF NATURAL AND LEGAL PERSONS INVOLVED IN THE ISSUE/OFFER

Save as discussed in "Subscription and Sale", so far as the Issuer is aware, no person involved in the offer of the Notes has an interest material to the offer.

5. Fixed Rate Notes only - YIELD

In
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7. DISTRIBUTION

US Selling Restrictions: Reg. S Compliance Category 2; TEFRA D

ANNEX

Issue of sterling denominated 5.750 per cent. Notes due 2021

SPECIFIC SUMMARY

Summaries are made up of disclosure requirements known as "Elements". These elements are numbered in Sections A- E (A.1 - E.7). This summary contains ali the Elements required to be included in a summary for this type of securities, Issuer and the Guarantors. Because some Elements are not required to be addressed, there may be gaps in the numbering sequence of the Elements. Even though an Element may be required to be inserted in the summary because of the type of securities, Issuer and the Guarantors, it is possible that no relevant information can be given regarding the Element. In this case a short description of the Element is included in the summary with the mention of 'not applicable'.

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3
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D
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y:		 N
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u
,
C
le
l
St
ed
at
ar
:
y		 ed
h
ol
di
ol
di
ed
A
in
ia
, I
P
F
H
L
im
it
te
te
ng
ng
s
an
rm
c
om
pa
ny
s
d
de
th
f
he
f f
di
nd
is
Is
vi
si
nt
t
ng
ep
en
o
n
e
su
er
or
p
ro
on
o
un
, a
he
b
in
rf
f o
ti
ub
si
di
ie
t
ng
up
on
us
es
s
pe
or
m
an
ce
o
pe
ra
s
ar
s.
9/
B
.1
B
.1
5		 l
G
P
ri
ci
to
u
a
ra
n
r
n
p
a
A
iv
it
ie
ct
s:		 IP
F
H
ol
di
L
ed
's
l b
im
it
in
ci
in
ti
vi
i
ty
to
ct
ng
s
pr
pa
us
es
s
ac
s
a
h
ed
h
ol
d
of
al
in
ia
in
i
io
t
te
te
te
at
g
as
e
rm
co
m
p
an
y
n
rn
n
al
ed
d
al
P
F
in
I
L
im
it
IP
F
F
in
ci
tm
ts
er
so
n
an
ce
nv
es
en
a
n
an
Se
ed
ic
L
im
it
rv
es
B
.1
9/
B
.1
6		 C
l
f
h
t
t
o
n
r
o
o
e
G
nt
ua
ra
or
:		 ol
lle
th
IP
F
H
di
L
im
it
ed
is
d
d
d
b
Is
nt
ng
s
o
w
ne
an
co
ro
y
e
su
er
B
.1
9/
B
.1
7		 C
di
R
in
t
at
gs
re
:		 IP
F
H
ol
di
L
ed
d
d
tl
d
. T
h
im
it
i
i
ot
te
gs
n
s
n
n
ep
en
en
ra
e
y
ha
be
ed
b
ch
td
P
B
B
F
it
R
in
L
at
at
gr
gs
ro
am
m
e
s
en
r
+
y
9/
B
.1
B
.1
8		 G
nt
ua
ra
ee
:		 T
h
G
h
j
oi
d
l
b
si
to
t
e
u
a
ra
n
rs
av
e,
o
n
a
n
a
n
s
ev
er
a
a
s,
d
ll
d
ab
l
ed
h
d
it
io
ir
te
t
gu
n
co
n
n
a
a
n
re
oc
a
ra
n
e
e
u
y
v
y
u
of
ll
d
b
bl
b
th
is
t
to
pa
ym
en
a
su
m
s
ex
pr
es
se
e
pa
ya
e
y
e
su
er
d
h
d
h
d
C
h
T
D
N
T
ei
t
st
, t
ot
u
n
er
e
ru
ee
e
es
a
n
ou
p
on
s.
r
ob
li
ti
in
ha
rd
in
ed
in
he
T
D
d.
t
t
ta
t
st
ga
ga
on
s
re
a
re
c
on
ru
ee
B
.1
9/
B
.1		 L
al
d
ci
al
eg
a
n
co
m
m
er
na
m
e:		 in
io
! P
l F
in
in
L
im
it
ed
te
at
st
ts
rn
na
er
so
na
an
ce
ve
m
en
9/
B
.1
B
.2		 il
al
D
ic
L
F
eg
om
e,
or
m
,
f I
C
ti
nt
on
ou
ry
o
nc
or
po
ra
d
la
d
L
is
ti
eg
an
on
u
n
er
h
h
h
G
ic
t
to
w
e
u
a
ra
n
r
O
te
pe
ra
s:		 al
al
ed
In
io
P
F
in
I
L
im
it
i
te
at
tm
ts
a
rn
n
er
so
n
an
ce
nv
es
en
s
li
ed
ed
d
ed
iv
it
i
gi
i
at
at
st
n
pr
e
m
c
om
pa
ny
n
co
rp
or
a
n
re
er
la
d
d
le
d
h
E
W
2
8
A
1
9
6
9
st
t
g
g
n
n
a
n
a
s
on
u
u
u
n
er
e
l
d
b
sh
h
C
ie
A
1
94
8
is
it
ct
te
om
pa
n
s
as
a
c
om
pa
ny
y
ar
es
w
ed
be
gi
00
96
10
88
st
re
er
n
um
r
9/
b
B
.1
B
.4		 nd
ff
K
T
A
ti
ng
no
w
n
re
s
ec
th
d
G
it
to
e
u
ar
an
r
an
s
du
In
st
ry
:		 h
h
T
ie
in
Is
's
G
in
t
at
at
e
co
m
pa
n
s
e
su
er
co
rp
or
e
ro
u
p
op
er
e
th
al
h
ed
k
h
h
ds
be
in
io
it
ic
te
at
et
te
t
e
rn
n
om
e
cr
m
ar
n
o
, w
ff
d
b
ch
d
fl
T
h
ri
io
te
ct
at
g
a
ec
a
ou
s
a
n
es
a
n
n
s.
es
e
y
v
u
u
cl
d
fl
h
f
ob
l,
in
io
in
in
in
it
ct
at
t
st
ta
g
u
e
u
u
n
s
e
co
o
ca
p
a
ch
l,
d
fi
l
rk
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oi
it
ic
ic
ci
et
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a
n
es
n
p
a
e
co
n
om
a
n
n
a
n
a
m
a
di
f
lu
d
h
ti
io
i
in
ct
at
te
st
ge
co
n
on
s,
u
ns
n
re
a
n
cu
rr
en
cy
e
xc
an
d
ch
l r
ul
, l
la
in
io
is
ti
te
ta
at
on
ge
g
eg
eg
ra
s
an
an
s
ov
er
nm
en
ns
d
du
nd
ds
he
kn
d
in
. H
st
ta
, t
an
ry
s
ar
ow
ev
er
re
a
re
n
o
ow
n
an
if
ds
tl
af
fe
al
al
ic
in
In
io
P
t
ct
te
at
g
sp
ec
re
n
c
u
rr
en
y
rn
n
er
so
n
F
I
L
ed
th
du
h
h
in
im
it
in
i
ic
it
tm
ts
st
an
ce
nv
es
en
o
r
e
ry
n
w
at
op
er
es
9/
B
.1
B
.5		 G
P
it
io
ro
up
os
n:		 al
ed
in
io
ai
P
F
in
I
L
im
it
i
te
at
tm
ts
a
rn
n
er
so
n
an
ce
nv
es
en
s
h
ed
bs
id
f
ol
di
ed
d
oi
i
ia
IP
F
H
L
im
it
gs
w
y
ow
n
s
u
ry
o
n
a
n
bs
id
cl
ud
ri
in
ia
ri
in
in
nt
t
at
g
g
pa
re
c
om
pa
ny
o
va
ou
s
op
er
su
es
IP
F
I
ti
al
L
im
it
ed
, !
P
F
F
in
ci
L
im
it
ed
nd
I
P
F
nt
ng
er
na
on
an
a
el
(2
3)
ed
D
00
L
im
it
t
ev
op
m
en
B
.1
9/
B
.9		 fit
P
F
ts
ro
or
ec
as
:		 N
of
f
ad
el
I
P
F
it
im
is
in
io
t
st
at
at
to
o
pr
or
ec
as
or
e
e
m
e
r
n
ol
di
ed
nd
he
ud
he
ho
H
L
im
it
it
it
t
ts
t
ut
ng
s
a
a
r
ep
or
re
on
a
re
w
ifi
ai
ti
qu
ca
on
9/
B
.1
B
.1
0		 D
f
i
ti
y
e
s
cr
p
o
n
o
a
n
Q
li
fi
h
ti
in
t
e
u
a
ca
on
s		 ph
bo
S
B
10
ee
p
ar
ag
ra
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ve
d
h
A
it
R
t
t
u
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l
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l
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ci
to
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a
n
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In
fo
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at
rm
n;		 li
bl
al
if
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di
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N
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t
a
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ca
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o
qu
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er
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m
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l f
al
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re
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an
or
m
n
ss
ue
r
(o
ol
id
ed
b
).
is
at
n
a
co
ns
as
9/
B
.1
B
.1
2		 K
H
i F
al
is
ri
in
ci
to
ey
ca
an
fo
In
io
at
rm
n:		 S
ph
ab
B
,1
2
ag
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p
ar
ra
ov
e.
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l
d
h
b
ed
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l
in
ci
it
ia
at
tr
ct
t
at
a
n
a
a
as
ee
n
e
x
a
w
ou
m
er
ad
fr
he
ol
id
ed
ud
ed
h
l
ju
is
's
it
is
ri
st
t
t
at
to
m
en
om
su
er
co
ns
a
ca
fi
al
fo
f
h
fi
al
d
ed
ci
i
io
ci
3
1
at
t
n
an
n
rm
n
or
e
n
an
y
ea
rs
e
n
D
be
20
14
d
3
1
D
be
20
13
ec
em
r
a
n
ec
em
r
9/
B
.1
B
.1
3		 f
D
i
ti
R
t
es
cr
p
on
o
ec
en
l
h
E
M
ia
ts
at
to
t
ve
n
er
e
G
's
S
ol
nt
ua
ra
or
ve
nc
y:		 li
bl
he
h
be
l
N
T
ia
ot
nt
nt
at
a
pp
ca
e.
re
av
e
en
n
o
re
ce
e
ve
s
m
er
al
al
ed
's
I
io
P
F
in
I
L
im
it
to
nt
at
tm
ts
er
n
n
er
so
n
an
ce
nv
es
en
lv
so
en
cy
B
9/
B
.1
.1
4		 If
h
G
is
t
to
e
a
ra
n
r
u
D
d
th
t
ep
en
en
p
on
o
er
u
E
W
h
h
ti
ti
it
in
t
e
n
es
th
b
G
is
st
ro
u
p
m
u
e
,
C
le
l
St
ed
at
ar
y
:		 A
ed
h
ol
d
, I
l
i
ia
in
io
te
te
te
at
s
a
n
n
rm
g
co
m
p
a
n
n
rn
n
a
y
P
l F
I
L
ed
d
de
th
in
im
it
is
tm
ts
nt
e
er
so
na
an
ce
nv
es
en
ep
en
o
n
f
h
of
f
di
d
th
bu
is
is
io
si
t
ng
su
er
or
e
pr
ov
n
u
n
, a
n
u
po
n
e
n
es
s
rf
f o
ti
ub
si
di
ie
ng
pe
or
m
an
ce
o
pe
ra
s
ar
s.
9/
B
.1
B
.1
5		 G
P
l
ri
ci
to
u
a
ra
n
r
n
p
a
A
iv
it
ie
ct
s:		 al
al
ed
's
In
io
P
F
in
I
L
im
it
te
at
st
ts
rn
n
er
so
n
an
ce
n
ve
m
en
al
b
ed
in
ci
si
ti
vi
i
i
ia
ty
to
ct
te
te
pr
p
u
n
es
s
ac
s
a
a
s
an
n
rm
h
ol
d
of
f
th
in
in
G
's
in
ta
at
g
g
co
m
p
an
y
c
er
o
e
ro
u
p
o
p
er
bs
id
ia
ri
su
es
9/
B
.1
B
.1
6		 l
f
h
C
t
t
o
n
r
o
o
e
G
nt
ua
ra
or
:		 In
al
P
! F
I
L
ed
io
in
im
it
i
te
at
tm
ts
rn
n
er
so
n
a
an
ce
nv
es
en
s
d
d
lle
d
b
ol
di
ed
IP
F
H
L
im
it
nt
ng
ow
ne
an
co
ro
y
s
,
B
.1
9/
B
.1
7		 C
di
R
in
t
at
gs
re
:		 l F
ed
In
io
! P
in
I
L
im
it
is
te
at
tm
ts
ot
rn
na
er
so
na
an
ce
nv
es
en
n
de
de
l
d.
h
h
b
d
in
T
P
B
B
nt
te
te
+
gr
pe
n
y
ra
e
ro
am
m
e
as
ee
n
ra
b
F
it
ch
R
in
L
td
at
gs
y
9/
B
.1
B
.1
8		 G
nt
ua
ra
ee
:		 h
h
d
l
b
T
G
j
oi
si
to
t
e
u
a
ra
n
rs
av
e,
o
n
a
n
a
n
s
ev
er
a
a
s,
d
il
d
ab
l
ed
h
d
it
io
ir
te
t
gu
u
n
co
n
n
a
y
a
n
re
v
oc
y
a
ra
n
e
u
e
of
ll
d
b
bl
b
th
Is
t
to
pa
ym
en
a
su
m
s
ex
pr
es
se
e
pa
ya
e
e
su
er
y
d
h
T
D
d
h
N
d
C
T
h
ei
t
st
, t
ot
u
n
er
e
ru
ee
e
es
a
n
ou
p
on
s,
r
ob
li
ha
rd
ed
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d.
ti
in
in
in
T
D
t
t
ta
t
st
ga
ga
on
s
re
a
re
c
on
ru
ee
B
.1
9/
B
.1		 al
d
al
L
ci
eg
a
n
co
m
m
er
na
m
e:		 l L
ed
!P
F
In
io
im
it
te
at
rn
na
9/
B
.1
B
.2		 il
al
D
ic
L
F
eg
om
e,
or
m
,
C
f i
ti
nt
on
ou
ry
o
nc
or
po
ra
d
L
la
d
is
ti
an
eg
on
n
er
u
h
h
h
G
ic
t
to
w
e
u
a
ra
n
r
O
te
pe
ra
s:		 al
ed
li
ed
IP
F
I
io
L
im
it
i
iv
it
te
at
at
ny
n
rn
n
s
a
pr
e
m
c
om
pa
ed
d
ed
E
gl
d
d
W
al
14
in
gi
i
at
st
co
rp
or
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n
re
er
n
n
an
an
es
o
n
M
ch
de
th
C
A
1
96
3
ie
1
94
8
ct
ny
ar
u
n
r
e
om
pa
n
s
as
a
c
om
pa
lim
ed
b
sh
h
ed
be
it
it
gi
00
75
35
18
st
y
ar
es
w
re
er
n
um
r
B
,1
9/
B
.4
b		 nd
ff
K
T
A
ti
ng
no
w
n
re
s
ec
th
G
d
it
to
e
u
ar
an
r
an
s
In
du
st
ry
:		 T
h
h
Is
's
G
ie
in
in
t
at
at
e
co
m
pa
n
s
e
su
er
co
rp
or
e
ro
p
op
er
e
u
th
al
h
ed
k
h
h
ds
be
in
io
it
ic
te
at
et
te
t
e
rn
n
om
e
cr
m
ar
, w
n
o
ff
d
b
ch
d
fl
h
ri
io
T
te
ct
at
g
a
ec
y
v
a
ou
s
a
n
es
a
n
u
u
n
s.
es
e
cl
d
fl
h
f
ob
l,
in
io
in
in
in
it
ct
at
t
st
ta
g
u
e
u
u
n
s
e
co
o
ca
p
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9/
B
. 1
8.
5		 G
P
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n:		 iP
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l F
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ts
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B
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9/
B
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fit
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of
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9/
B
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B
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0		 D
f
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cr
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9/
B
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B
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2		 l F
al
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In
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at
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ph
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at
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9/
B
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B
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3		 D
f
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l
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9/
B
.1
4		 If
h
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te
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rn
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g.
pr
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9/
B
.1
B
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5		 G
P
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to
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l b
IP
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In
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er
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B
9/
B
6
.1
.1		 C
l
f
h
t
t
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nt
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IP
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I
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l P
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9/
B
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B
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di
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L
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ch
td
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it
R
in
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gs
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/B
8.
19
18		 G
nt
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ra
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h
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to
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a
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it
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P
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pl
1
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in
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d
al
l
in
it
io
et
ge
ge
y
as
w
as
c
an
s
m
ar
c
on
n
s
n
er
ld
h
l
ad
ef
fe
th
G
's
ia
at
ct
co
u
av
e
a
m
er
ve
rs
e
o
n
e
ro
u
p
bu
ul
f o
d
fi
l c
di
si
ti
ia
ti
ts
ne
ss
, r
es
o
pe
ra
on
s
an
na
nc
on
on
he
k
fr
ul
d
li
T
G
i
is
io
ti
ti
at
at
on
eg
ga
ro
up
s
r
om
r
n
an
(in
cl
ud
th
ef
fe
of
ha
la
in
in
in
ti
ct
te
ta
on
g
ng
e
s
c
es
w
o
r
rp
re
of
he
l
he
ke
)
ed
in
G
's
in
ci
t
t
at
ts
at
g
aw
ro
up
op
er
m
ar
as
so
h
h
fa
h
h
G
h
gh
l
it
i
i
t
ct
t
at
t
at
y
w
e
e
ro
u
p
op
er
es
n
a
la
d
i
d
A
h
ch
th
te
st
g
g
re
u
n
u
ry
n
y
c
a
n
e
su
a
s
e
od
of
l
h
ld
in
io
tr
ct
ta
tu
to
ge
u
n
s
ry
c
ap
s
on
oa
ns
c
ar
s,
c
ou
af
fe
h
fi
bi
li
ol
d
G
's
pi
!
ct
t
ta
ty
ta
e
ro
u
p
p
ro
, s
ve
n
cy
a
n
ca
d
d
of
ir
iv
ri
in
ts
t
st
re
qu
em
en
a
n
m
ay
g
e
se
o
cr
ea
se
co
s
pl
th
ba
th
h
G
's
ia
. L
it
i
ti
si
at
t
ga
co
m
n
ce
on
o
n
e
s
e
ro
u
p
ch
fa
ld
l a
h
ir
ri
ge
ge
ar
s
ar
e
u
n
o
r
u
su
ou
s
co
u
c
om
pe
c
an
he
G
's
bu
od
el
in
si
t
ro
up
ne
ss
m
T
h
ld
b
ch
al
le
h
of
to
t
ta
tr
tm
t
ge
er
e
co
e
n
s
e
ea
en
u
x
d
b
th
ai
io
rt
tr
ct
ts
et
ge
ce
n
an
sa
n
s
an
ar
ra
n
m
en
w
ee
n
e
he
lt
ho
h
th
h
de
d
ni
in
G
. A
G
is
t
ug
co
m
pa
es
ro
up
e
ro
up
ea
b
h
ol
di
h
do
h
U
K
G
, t
ot
g
y
a
n
co
m
pa
ny
e
ro
u
p
es
n
av
e
bs
al
h
h
h
ti
io
in
U
K
. T
is
ta
at
t
t
su
n
o
p
er
n
s
e
e
xp
os
es
e
h
'S
h
G
U
K
i
io
i
gi
T
to
t
te
at
ta
ro
u
p
e
n
m
n
a
x
re
m
e.
e
of
ch
al
de
i
io
U
K
tr
tm
t
nt
at
t
g
ax
ea
en
s
u
er
n
n
ro
u
ps
u
n
r
la
b
b
if
ch
. C
h
je
si
ic
in
ct
t
t
m
ay
e
su
o
gn
an
an
ge
an
ge
s
w
le
ld
ls
if
tl
th
ti
si
ic
im
t
g
gn
e
ac
co
u
n
n
ru
s
co
u
a
o
an
y
p
ac
G
's
l
bi
li
, C
h
ia
ti
in
ti
t
t
ge
g
ro
u
p
ax
es
an
s
ax
o
r
ac
co
u
n
n
le
ul
th
fi
l
d
da
G
's
ia
si
ti
ag
ru
s
co
m
e
e
ro
up
na
nc
po
on
h
l
cl
l
la
T
G
it
in
is
ti
i
it
t
eg
e
ro
u
p
se
es
es
s
ar
y
ax
on
n
s
rk
th
h
U
K
d
i
et
t
ov
er
se
a
s
m
a
s
a
n
n
e
a
n
s
om
e
,
al
l
fr
h
fa
h
ai
is
in
rt
nt
t
ct
t
at
rt
ge
g
n
ce
n
er
ar
om
e
c
ou
u
y
y
de
of
b
di
de
th
ci
si
in
. I
te
ot
ts
g
on
s
ar
e
n
n
n
as
p
re
ce
n
n
e
rk
h
h
h
G
in
ic
et
t
te
ov
er
se
a
s
m
a
s
w
e
ro
u
p
o
p
er
a
s,
of
b
ob
ed
l
ai
in
rt
nt
t
t
at
t
ta
ce
y
ax
re
m
en
m
ay
e
o
n
y
on
ce
th
io
h
b
b
je
di
d
th
at
ct
t
ta
t
e
op
er
n
as
ee
n
su
o
x
au
an
es
e
ke
la
la
rl
!!
f
i
ic
ix
ta
t
to
eg
p
ce
rr
u
y,
yp
a
y
on
ce
e
ve
ry
ou
r
s
A
h
ed
b
h
b
f
it
si
y
ea
rs
om
e
cr
u
n
es
s
a
s
a
n
u
m
er
o
ow
al
f
h
h
ak
cl
h
ic
it
tu
n
su
ea
re
s
m
ay
m
e
n
ea
r
u
u
w
u
h
il
l t
f t
h
it
ie
in
t
ut
ta
ts
e
ov
er
se
as
ax
a
or
s
w
ax
c
er
a
sp
ec
o
A
d
h
fl
ti
i
ic
ti
g
g
op
er
a
on
s.
v
er
se
c
a
n
es
n
or
c
on
n
,
of
l
d
th
in
ti
is
ia
ti
ti
i
te
ta
, t
eg
rp
re
on
s
ax
on
a
n
pr
ac
ce
n
e
di
ff
di
hi
ch
he
t j
is
io
in
G
ct
t
te
ay
er
en
ur
ns
w
ro
up
o
pe
ra
s
m
le
ad
th
l
bi
li
i
i
G
's
ti
ia
ti
t
ta
o
an
n
cr
ea
se
n
e
ro
u
p
xa
on
es
d
ef
fe
iv
ct
ta
te
an
e
x
ra
R
k
f
h
le
f
th
is
ri
im
ti
t
ta
e
s
a
se
ro
m
e
p
m
en
on
o
b
f
th
G
, b
h
of
si
i
st
te
ot
t
gy
u
n
es
s
ra
o
e
ro
u
p
n
r
es
p
ec
ke
d
ke
la
h
is
ti
. I
ic
ts
ts
rt
t
ng
ex
m
ar
a
n
n
ew
m
ar
n
pa
u
r,
e
G
's
f
h
is
io
f
h
ed
it
t
ro
p
oc
s
on
e
p
ro
n
o
om
e
cr
u
u
v
th
G
's
d
in
it
iv
t
et
cr
ea
se
s
e
ro
p
e
xp
os
re
o
co
m
p
e
an
u
u
la
hr
. T
h
G
d
is
ju
i
to
t
ts
ts
nt
re
gu
ry
ea
e
ro
p
m
ay
m
ge
e
ry
u
hi
ke
al
l
le
ad
in
ti
in
to
t,
ot
to
g
gr
g
a
a
n
ew
eo
ap
c
m
ar
p
en
y
lo
d
d
h
dr
al
f
h
ri
it
ti
in
it
, t
g
ss
u
n
s
m
e
, a
n
on
w
aw
ro
m
e
ke
t.
m
ar
f
h
fa
il
L
ri
t
t
os
s
m
a
y
a
se
ro
m
e
u
re
o
en
su
re
pl
d
fe
hi
ch
ld
l
d
t
ty
to
nt
ag
ge
em
oy
ee
a
n
en
sa
, w
c
ou
ea
a
s
be
h
de
b
il
li
in
ai
ei
to
et
ag
g
ng
ng
or
m
an
er
s
ar
r
r
n
or
u
nw
ak
h
el
l a
al
la
vi
si
i
nj
im
to
ts
m
e
om
e
, a
s
w
s
pe
rs
on
u
ry
c
s
d
al
d
d
th
lo
f
k
pl
ti
ta
ag
an
re
pu
on
am
e,
a
n
e
ss
o
ey
p
eo
e,
hi
ch
ld
d
he
G
's
bu
is
si
pt
t
c
ou
ru
ro
up
ne
ss
w
T
he
G
sk
f l
l
bi
lit
ed
is
ri
ia
ie
in
t
ro
up
a
o
os
se
s
or
s
cu
rr
ul
of
he
b
fa
il
of
(fo
in
t
t
nt
rt
as
a
r
es
us
es
s
ur
e
a
c
ou
er
pa
y
r
pl
li
f
di
b
ks
d
il
aj
I
T
ta
ng
ex
am
e,
m
or
s
u
pp
er
s,
u
n
an
a
n
re
ba
nk
fa
lit
s)
lu
f a
in
ci
ie
. F
ai
IT
vi
ts
g
re
o
n
s
er
ce
s
ou
ou
rc
er
ul
d
if
tl
di
th
bu
nd
si
ic
si
ti
t
gn
co
an
y
sr
up
e
ne
ss
o
pe
ra
on
, a
fa
il
f
ba
k
h
h
h
h
G
h
h
it
ic
t
re
o
a
n
e
ro
p
as
a
c
as
u
w
w
u
ba
la
ld
l
d
l
of
h
de
si
nt
to
t
t
n
ce
o
n
ac
co
u
c
ou
ea
os
s
e
po
or
la
ck
f
ff
sh
fu
d
sh
b
ic
ie
si
t
t
t-
te
o
su
n
ca
o
n
or
rm
u
n
es
s
he
ke
he
h
ba
nk
b
ed
io
in
is
at
t
t
op
er
ns
m
ar
w
re
s
uc
as
,
T
h
is
is
k
of
d
h
G
's
br
ds
to
t
ag
er
e
a
r
am
e
e
ro
p
an
o
r
u
ti
de
cl
in
in
fi
de
i
th
ta
st
re
pu
on
o
r
a
e
c
om
er
c
on
n
ce
n
e
u
G
du
A
dv
bl
ld
ff
i
ic
it
ts
ct
t
ro
p
or
p
ro
s.
er
se
p
co
a
ec
u
u
y
u
il
li
ak
od
ak
G
st
to
t
ct
ng
cu
om
er
w
n
es
s
e
ro
u
p
pr
u
s
or
m
e
ak
di
ff
lt
f
h
it
ic
G
ts
t
to
re
pa
ym
en
, o
r
m
e
m
or
e
u
or
e
ro
u
p
fa
bl
bl
ld
l
d
it
. U
ic
it
i
tu
to
re
cr
u
n
vo
u
ra
e
pu
y
co
u
n
rn
ea
d
f
h
la
f
th
in
ti
to
ge
eg
cr
ea
se
pr
es
su
re
or
c
an
s
r
u
on
o
e
di
in
du
in
he
el
ke
t
st
t
t
t.
co
ns
um
er
c
re
ry
r
ev
an
m
ar

D
.3
K
ey		 fo
h
i
ti
t
n
rm
a
on
o
n
k
h
h
K
R
is
ic
ey
s
w
a
if
h
ic
t
t
s
p
e
c
o
Se
ri
ti
cu
es
:		 Su
of
al
is
ks
ff
ti
he
N
t
ot
g
ng
m
m
ar
y
en
er
r
a
ec
es
e
re
h
d
b
h
l
T
N
F
in
ci
ot
ot
te
ct
t
e
•
e
es
a
re
n
p
ro
e
y
e
a
n
a
S
/i
C
S
ch
(t
h
"F
S
C
S
")
ti
y
en
ce
s
om
pe
n
sa
on
em
e
e
o
r
an
al
h
h
sd
, A
lt
iv
in
ju
ri
ic
ti
t
ot
eq
en
sc
em
e
a
n
er
on
s
a
re
su
u
h
th
ls
il
l
it
F
S
C
S
y
n
e
e
r
e
n
o
r
a
n
y
o
n
e
e
e
w
p
a
h
fa
il
f
th
ti
In
t
to
t
co
m
p
en
sa
on
o
v
es
rs
u
p
on
e
u
re
o
e
Is
he
G
he
G
ho
le
, t
nt
t
su
er
ua
ra
or
s
or
ro
up
a
s
a
w
.:
T
h
Is
b
d
d
N
ct
t
ot
e
su
e
r
m
a
e
ex
p
e
e
o
re
e
e
m
es
•
y
h
of
b
l
h
h
i
in
is
in
ts
t
t
t
te
st
g
w
en
c
os
or
ro
w
ow
er
an
e
re
th
N
. A
th
ti
In
al
ly
te
ot
t
st
g
ra
o
n
e
es
os
e
m
es
, a
n
ve
or
en
er
ld
b
ab
le
h
de
ds
in
io
ot
t
st
t
pt
w
ou
n
e
o
re
ve
e
re
m
n
pr
oc
ee
h
gh
th
th
b
in
i
N
ei
at
te
st
at
at
ot
g
a
n
re
r
e
as
a
s
o
n
e
es
n
d
ed
d
b
b
le
d
i
t
t
a
re
ee
m
a
n
m
a
y
o
n
y
e
a
o
o
so
a
ifi
lo
si
i
nt
at
gn
ca
y
w
er
r
e.
h
h
ol
d
h
h
h
h
h
In
C
R
E
S
T
to
t
t
t
g
g
•
v
es
rs
w
o
ro
u
ro
u
e
f
C
D
(
"C
D
I
H
ol
d
s"
)
h
ol
d
h
is
is
an
su
an
ce
o
er
or
av
e
l
al
d
il
l h
in
i
i
te
st
te
st
t
eg
e
re
n
a
se
pa
ra
n
ru
m
en
an
w
av
l
di
h
de
rl
h
in
i
in
yi
N
. T
is
ct
te
st
t
ot
g
on
y
re
n
re
s
e
u
n
n
es
ld
ti
ll
le
d
h
C
D
! H
ol
d
h
in
ot
to
t
g
co
u
p
en
a
y
a
e
er
s
av
d
if
fe
ri
h
d
in
of
ch
t
ts
et
t
g
re
n
a
n
r
u
rn
s
r
es
p
ec
s
u
de
th
ho
h
ri
yi
N
ai
In
ot
t
st
ng
ag
un
es
a
s
ns
os
e
ve
or
s
w
av
e
di
he
in
in
ir
N
ct
te
st
t
ot
a
re
re
es
ef
ed
b
d
b
d
ll
D
in
aj
it
ie
it
in
te
t
•
m
or
s
m
ay
e
p
er
m
o
a
eh
ol
de
h
od
if
d
f
N
it
ic
io
ai
ot
t
to
at
rs
w
re
sp
ec
m
n
an
w
ve
rs
o
th
C
di
ti
of
h
N
if
N
eh
ol
de
t
ot
ot
e
on
on
s
e
es
, e
ve
n
s
om
e
rs
di
d
nd
t
at
te
te
no
o
r
vo
h
b
li
sh
ed
d
rk
N
in
ot
ta
t
et
g
•
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b		 fo
ff
d
R
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D
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ti
f
th
es
cr
p
on
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d
di
of
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ti
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m
s
an
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th
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di
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ch
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ff
ub
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s
w
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s
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pp
ca
of
he
li
bl
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ti
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pt
t
ot
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cr
n
a
pp
ca
on
p
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ss
a
pp
ca
e
f
b
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it
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ce
s
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cr
p
on
s
an
f
ef
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id
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pl
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t
ts
g
m
an
n
er
or
r
u
n
n
ex
ce
ss
a
m
ou
n
pa
y
ap
an
:
li
bl
N
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a
pp
ca
e
ls
f
th
d
/o
of
D
ai
in
im
im
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t
o
e
m
u
m
a
n
r
m
ax
u
m
a
m
ou
n
pl
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n:
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ls
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fo
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de
liv
th
N
; N
li
bl
in
ot
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es
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pp
ca
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d
da
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w
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su
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r
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li
bl
ic
: N
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m
e
pu
a
pp
ca
e
P
d
f
f
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ig
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t
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a
n
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r
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m
p
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b
ll
of
b
gh
d
of
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it
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ti
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ts
tr
tm
t
eg
n
y
s
u
sc
p
on
r
a
n
ea
en
bs
gh
ed
: N
A
li
bl
i
io
ri
is
pt
ts
ot
ot
su
cr
n
n
e
xe
rc
pp
ca
e.
h
h
ch
(s
)
h
b
ed
f
W
in
et
t
ta
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ra
n
e
av
e
ee
n
r
es
er
v
or
c
er
lic
ab
le
ie
N
A
tr
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co
un
s:
pp
f
if
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of
he
ll
d
P
ic
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to
nt
t
nt
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or
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a
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m
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b
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m
ay
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or
e
w
fi
ad
N
li
bl
ti
ti
is
ot
no
ca
on
m
e:
a
pp
ca
e
A
f
d
if
al
l
ch
d
ic
nt
ta
to
ge
m
ou
o
an
y
ex
pe
n
se
s
an
xe
s
sp
ec
y
ar
th
bs
ib
ha
N
li
bl
ot
e
su
cr
er
o
r
pu
rc
se
r;
a
pp
ca
e
N
e(
s)
d
d
d
(e
s)
th
k
th
, t
te
t
t
am
a
n
a
re
ss
o
e
ex
n
n
ow
n
o
e
f
th
pl
h
h
th
Is
in
ri
ie
t
tr
su
er
, o
e
ac
er
s
e
va
ou
s
co
u
n
s
w
er
e
e
of
fe
ke
pl
N
ta
r
s
ac
e:
on
e
E
.4		 A
D
f
i
ti
y
es
cr
p
on
o
a
n
ha
l
In
is
M
ia
te
st
t
t
at
re
er
h
/O
ff
I
to
t
e
s
s
u
e
e
r,
In
cl
d
C
fl
in
ic
ti
g
g
on
n
u
In
te
st
re
s:		 fo
d
ed
bs
d
fa
S
is
i
"S
ip
ti
S
ai
e"
av
e
r
as
cu
ss
n
u
cr
on
a
n
, s
o
r
as
th
ol
d
h
of
fe
of
h
Is
i
i
in
t
t
e
su
er
s
aw
ar
e,
n
o
pe
rs
on
nv
ve
e
r
e
h
l
h
of
fe
cl
d
N
i
ia
i
in
ot
te
st
at
to
t
g
es
as
a
n
n
re
m
er
e
r,
n
u
nf
lic
ti
in
te
st
ng
co
re
s.
E
.7		 E
C
h
ed
t
p
en
se
s
a
rg
o
x
th
b
h
In
st
t
e
v
e
o
r
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e
Is
O
ff
su
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a
s
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or
:		 N
li
b
le
h
ch
d
h
ot
; t
to
t
a
p
p
ca
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e
ar
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n
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e
b
th
/O
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in
Is
st
ve
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su
er
er
or

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