Chauncey Crail - Forbes Advisor
Based on anecdotal evidence, Chase appears to primarily use Experian to pull credit reports when evaluating credit card applicant creditworthiness. Crowdsourced data has indicated the bank does pull from other credit bureaus, as well—especially in certain states. Chase also appears to report credit card account activity to all three major consumer credit agencies.
k9amr92D6 rC65:E r2C5D ~G6CG:6Hk^9am
kAmr92D6 @776CD >2?J 4C65:E 42C5D 7@C 3@E9 k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^4C65:E\42C5D^36DE^492D6^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm4@?DF>6CDk^2m 2?5 k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^4C65:E\42C5D^36DE^492D6\3FD:?6DD^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm3FD:?6DD6Dk^2m] !6C92AD 36DE <?@H? 7@C :ED D6=7\3C2?565 EC2G6= C6H2C5D 42C5D 2?5 :ED k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^4C65:E\42C5D^492D6\F=E:>2E6\C6H2C5D\8F:56^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQmr92D6 &=E:>2E6 #6H2C5D® AC@8C2>k^2m[ r92D6 2=D@ @776CD 4@\3C2?565 42C5D[ 42D9\324< 42C5D 2?5 >2?J @E96CD] (96E96C 4@>:?8[ 8@:?8 @C DE2J:?8 AFE[ r92D6 =:<6=J 92D 2 4C65:E 42C5 J@F’== 7:?5 36?67:E 7C@>]k^Am
People are also reading…
- Returning Shenandoah golf trio seeks repeat trip to state tourney
- Plenty of success, great memories for Clarinda's Cole
- Plenty of experience leads to high expectations for Mustang Golf
- Clarinda's Lily Weinreich, Winter Sports Female Athlete of the Year
- Game-winning touchdown highlights McManis' 4-sport career
- New coach, big goals for Clarinda boys golf
- Essex boys track hoping to make noise in sprint relays
- Shenandoah trio looks to build on event wins to start outdoor season
- Clarinda's Bird opens outdoor season with four event wins
- Clarinda, Essex cheerleaders perform at IBCA All-Star Game
- Shenandoah's Jacob McGargill, Winter Sports Male Athlete of the Year
- Bird, Hash lead Clarinda tennis into higher expectations
- Nurse found work in Shenandoah while board’s disciplinary findings remained secret
- Mustang tennis places 5th at St. Joseph Central Tournament
- Shenandoah honors, recognizes seniors during first Signing Day
k9am(9:49 rC65:E qFC62F s@6D r92D6 &D6nk^9am
kAm%9@F89 E96 32?< 5:5 ?@E C6DA@?5 E@ u@C36D p5G:D@C’D :?BF:C:6D C682C5:?8 H9:49 4@?DF>6C 4C65:E 286?4:6D :E 5C2HD :ED C6A@CED 7C@>[ D6=7\C6A@CE65 4@?DF>6C 52E2 :?5:42E6D r92D6 AC:>2C:=J 5C2HD C6A@CED 7C@> tIA6C:2?] %96 32?< 2=D@ 2AA62CD E@ =62? @? tBF:72I 2?5 >@C6 C2C6=J FA@? %C2?D&?:@? 7@C C6A@CED[ 2D H6==[ E9@F89 H9:49 4C65:E 286?4J E96 32?< AF== 7C@> >2J G2CJ D:8?:7:42?E=J 3J DE2E6]k^Am
k9bmrC65:E qFC62F &D65 2D !6C $E2E6k^9bm
kAmp?645@E2= @?=:?6 DEF5:6D 92G6 DF886DE65 r92D6 AC:>2C:=J AF==D 52E2 7C@> tIA6C:2?[ 3FE :? D@>6 @E96C DE2E6D >2J AF== 7C@> tBF:72I @C %C2?DF?:@?]k^Am
k9am(96? s@6D r92D6 #6A@CE E@ rC65:E qFC62FDnk^9am
kAmrC65:E C6A@CED 7C@> r92D6 2C6 D6?E E@ 2== E9C66 >2;@C 4C65:E 3FC62FD] rC65:E 42C5 :DDF6CD FDF2==J C6A@CE E@ 4C65:E 286?4:6D 2E E96 D2>6 E:>6 J@FC >@?E9=J 3:==:?8 DE2E6>6?E :D :DDF65] $@>6 492?86D 2C6 C67=64E65 @? J@FC k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^4C65:E\D4@C6^H92E\:D\2\4C65:E\C6A@CE^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm4C65:E C6A@CEk^2m C:89E 2H2J 3FE :? D@>6 :?DE2?46D FA52E6D >2J E2<6 >@C6 E92? 2 >@?E9]k^Am
k9am(9:49 rC65:E qFC62F xD |@DE p44FC2E6nk^9am
kAm%9C66 >2;@C 4C65:E 3FC62FD 92?5=6 4@?DF>6C 4C65:E C6A@CEDi tBF:72I[ %C2?D&?:@? 2?5 tIA6C:2?] r@?DF>6C 4C65:E C6A@CED 2C6 AC@G:565 3J E96D6 4@>A2?:6D E@ =6?56CD[ H9@ FD6 E96 :?7@C>2E:@? E@ 6G2=F2E6 C:D<] $6==:?8 4C65:E :?7@C>2E:@? G@=F?E2C:=J AC@G:565 3J 32?<D[ =6?56CD 2?5 @E96C 52E2 AC@G:56CD—:?4=F5:?8 r92D6—>2<6D E96 4C65:E 3FD:?6DD 2 >2DD:G6 AC@7:E 6G6CJ J62C]k^Am
kAm}@ EH@ 4C65:E 3FC62FD 4@==64E @C AC@G:56 E96 6I24E D2>6 :?7@C>2E:@? 23@FE 6249 :?5:G:5F2= 4@?DF>6C] p 4C65:E C6A@CE 7C@> @?6 4C65:E 3FC62F >2J 92G6 5:776C6?E :?7@C>2E:@? E92? @?6 7C@> 2?@E96C k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^4C65:E\D4@C6^b\4C65:E\3FC62FD^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm7@C D6G6C2= C62D@?Dk^2m] %96C6 :D ?@ H2J E@ 56E6C>:?6 H9:49 4C65:E 3FC62F :D >@DE 244FC2E6 D:?46 6249 286?4J’D :?7@C>2E:@? :D 5:776C6?E] v6?6C2==J[ 4C65:E :D C2E65 FD:?8 2 k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^4C65:E\D4@C6^H92E\:D\2\7:4@\D4@C6^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQmuxr~ 4C65:E D4@C6k^2m] |@DE >2;@C &]$] =6?56CD H:== 4964< E9:D D4@C6 H96? 2DD6DD:?8 4C65:E[ E96? 32D6 564:D:@?D :? A2CE @? E96 C2E:?8]k^Am
kAmt249 4C65:E 3FC62F >2J @776C 2 D=:89E=J 5:776C6?E uxr~ 4C65:E D4@C6] %9:D D9@F=5?’E >2EE6C E@@ >F49[ D:?46 6249 D4@C6 72==D H:E9:? 2 C2?86 W7@C 6I2>A=6[ 2 D4@C6 36EH66? ef_ 2?5 fbh :D 4@?D:56C65 8@@5 4C65:EX] |2;@C 5:776C6?46D :? uxr~ D4@C6 7@C 2 4@?DF>6C 2>@?8 E96 3FC62FD 2C6 F?=:<6=J F?=6DD 2? 6CC@C 92D 366? >256]k^Am
k9amw@H %@ v6E p rC65:E #6A@CEk^9am
kAmx7 J@F H2?E E@ 2446DD J@FC 4C65:E C6A@CE 7@C 7C66[ FD6 k2 9C67lQ9EEADi^^HHH]2??F2=4C65:EC6A@CE]4@>^Qmp??F2=rC65:E#6A@CE]4@>k^2mU>52D9jE96 @?6 H63D:E6 2FE9@C:K65 E@ 86?6C2E6 7C66 C6A@CED] u@C36D p5G:D@C 92D 2 k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^4C65:E\D4@C6^9@H\E@\86E\2\7C66\4C65:E\C6A@CE^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm56E2:=65 8F:56k^2m E@ H2=< J@F E9C@F89 E96 AC@46DD] *@F 42? 2=D@ 42== k2 9C67lQ9EEAi^^p??F2=rC65:E#6A@CE]4@>Qmp??F2=rC65:E#6A@CE]4@>k^2m 2E `\gff\baa\gaag]k^Am
kAmr@?DF>6CD 2C6 6?E:E=65 E@ 2E =62DE @?6 7C66 4C65:E C6A@CE 6249 J62C 7C@> 6249 @7 E96 E9C66 >2;@C 4C65:E C6A@CE:?8 286?4:6D W?@E6 E92E J@F 42? 86E k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^4C65:E\D4@C6^9@H\E@\86E\2\7C66\4C65:E\C6A@CE^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm@?6 7C66 C6A@CE A6C H66<k^2m E9C@F89 E96 6?5 @7 a_aa 2D 2 A2?56>:4\C6=2E65 36?67:EX] %96D6 C6A@CED 42? 36 C6BF6DE65 2E 2?J E:>6 5FC:?8 E96 J62C[ 2?5 J@F 2C6 ?@E C6BF:C65 E@ C6BF6DE E96> E@86E96C—D@ J@F 42? C6BF6DE tBF:72I’D C6A@CE :? y2?F2CJ 2?5 tIA6C:2?’D C6A@CE :? yF=J]k^Am
kAm(96? J@F D:8? FA E9C@F89 E96:C H63D:E6D[ 4C65:E 3FC62FD 42? AC@G:56 C68F=2C 4C65:E C6A@CED @C 25G2?465 762EFC6D E@ 96=A :>AC@G6 J@FC 4C65:E D4@C6] z66A :? >:?5 E96D6 D6CG:46D FDF2==J 4@>6 2E 2 AC:46 2?5 >2J ?@E @776C 2446DD E@ C6A@CED 7C@> 2?J @E96C 3FC62FD]k^Am
k9amw@H %@ s:DAFE6 x?7@C>2E:@? @? *@FC rC65:E #6A@CEk^9am
kAmx7 J@F ?665 E@ 5:DAFE6 2? 6CC@C @? J@FC 4C65:E C6A@CE[ J@F 42? FD6 u@C36D p5G:D@C’D 4@>AC696?D:G6 k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^4C65:E\D4@C6^9@H\E@\5:DAFE6\4C65:E\C6A@CE\6CC@CD^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm8F:56 E@ 96=A J@F @A6? 2 5:DAFE6k^2m] q67@C6 J@F 42? DF3>:E 2 5:DAFE6[ J@F H:== ?665 E@ 82E96C DF77:4:6?E A6CD@?2= :?7@C>2E:@? 2?5 5@4F>6?E2E:@? @7 E96 6CC@C] t249 4C65:E 3FC62F @776CD E9C66 @AE:@?D 7@C 5:DAFE:?8 6CC@CD 5:C64E=Ji @?=:?6[ 3J >2:= @C 3J A9@?6] p 5:DAFE6 :D EJA:42==J :?G6DE:82E65 3J E96 3FC62F @C 286?4J H:E9:? b_ E@ cd 52JD @7 7:=:?8]k^Am
kAm%96 C6DF=ED @7 E96 :?G6DE:82E:@? >2J 492?86 J@FC 4C65:E C6A@CE[ :? H9:49 42D6 J@F H:== C646:G6 2 4@AJ @7 E96 FA52E65 C6A@CE 7C66 @7 492C86] %9:D >2J E2<6 2?@E96C cd 52JD] xE :D A@DD:3=6 E@ 2AA62= 2 564:D:@? @C C6DF3>:E H:E9 2?J 255:E:@?2= DFAA@CE:?8 :?7@C>2E:@? :7 J@F 2C6 ?@E D2E:D7:65 H:E9 E96 C6DF=ED @7 2 564:D:@?]k^Am
k9amq@EE@> {:?6k^9am
kAmx7 J@F’C6 H@CC:65 23@FE J@FC uxr~ 4C65:E D4@C6 H96? 2AA=J:?8 7@C 2 4C65:E 42C5[ AF== J@FC 7C66 4C65:E C6A@CED E@ D66 H92E E96 32?< H:== D66] ~FC 52E2 :?5:42E6D E92E r92D6 :D >@C6 =:<6=J E@ C6BF6DE 2 C6A@CE 7C@> tIA6C:2?[ 3FE E96C6’D ?@ 8F2C2?E66 E96 32?< H@?’E C6BF6DE 2 C6A@CE 7C@> 2?@E96C C6A@CE:?8 286?4J @C 4964< 255:E:@?2= C6A@CED 7C@> @E96C 286?4:6D]k^Am
kAmx7 J@F’C6 ?@E 4@?7:56?E J@FC 4C65:E D4@C6 :D DF77:4:6?E 7@C 2AAC@G2=[ J@F >2J H2?E E@ 4@?D:56C H@C<:?8 @? k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^4C65:E\D4@C6^9@H\E@\:>AC@G6\4C65:E\D4@C6^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm:>AC@G:?8 J@FC 4C65:Ek^2m 7:CDE] xE >:89E 36 2 36EE6C @AE:@? :? E96 =@?8 CF? E@ C63F:=5 2?5 DEC6?8E96? J@FC 4C65:E @G6C E:>6] xE’D 2=H2JD H:D6 E@ 6?DFC6 J@FC 4C65:E D4@C6D 2C6 2D 9:89 2D A@DD:3=6 24C@DD 2== 286?4:6D 367@C6 2AA=J:?8 7@C 2?J 7@C> @7 4C65:E]k^Am
k9a 4=2DDlQE:E=6QmuC6BF6?E=J pD<65 "F6DE:@?D Wup"DXk^9am
k5:G 4=2DDlQ>2:?\72BD 72B\a_a` 72B\GaQmk5:G 4=2DDlQ72BDQmk5:G 4=2DDlQ72B\BF6DE:@?Qmk5:G 4=2DDlQA=FD\>:?FDQmkDG8 H:5E9lQ`gQ 96:89ElQ`fQ G:6H3@IlQ_ _ `g `fQ I>=?DlQ9EEAi^^HHH]Hb]@C8^a___^DG8Q 4=2DDlQA=FDQmk=:?6 I`lQh]aace`Q J`lQ`]fgch`Q IalQh]aace`Q JalQ`d]ahbbQ DEC@<6lQ3=24<Q DEC@<6\H:5E9lQaQ DEC@<6\=:?642AlQC@F?5Qmk^=:?6mk=:?6 I`lQ`e]dbbaQ J`lQg]gbbfcQ IalQ`]ceedcQ JalQg]gbbfcQ DEC@<6lQ3=24<Q DEC@<6\H:5E9lQaQ DEC@<6\=:?642AlQC@F?5Qmk^=:?6mk^DG8m kDG8 H:5E9lQ`gQ 96:89ElQaQ G:6H3@IlQ_ _ `g aQ I>=?DlQ9EEAi^^HHH]Hb]@C8^a___^DG8Q 4=2DDlQ>:?FDQmk=:?6 I`lQ`e]dbbaQ J`lQ`Q IalQ`]ceedcQ JalQ_]hhhhhhQ DEC@<6lQ3=24<Q DEC@<6\H:5E9lQaQ DEC@<6\=:?642AlQC@F?5Qmk^=:?6mk^DG8mk^5:Gmk9b 4=2DDlQBF6DE:@?\E6IEQms@6D r92D6 C6A@CE 2FE9@C:K65 FD6CD E@ 4C65:E 3FC62FDnk^9bmk^5:Gmk5:G 4=2DDlQ72B\2?DH6C HJD:HJ8\4@?E6?EQmkAmxE 2AA62CD r92D6 C6A@CED k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^4C65:E\42C5D^2FE9@C:K65\FD6C\4C65:E\42C5^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm2FE9@C:K65 FD6CDk^2m E@ 2== E9C66 >2;@C 4C65:E 3FC62FD WtIA6C:2?[ tBF:72I 2?5 %C2?D&?:@? 6DA64:2==JX]k^Amk^5:Gmk^5:Gmk5:G 4=2DDlQ72BDQmk5:G 4=2DDlQ72B\BF6DE:@?Qmk5:G 4=2DDlQA=FD\>:?FDQmkDG8 H:5E9lQ`gQ 96:89ElQ`fQ G:6H3@IlQ_ _ `g `fQ I>=?DlQ9EEAi^^HHH]Hb]@C8^a___^DG8Q 4=2DDlQA=FDQmk=:?6 I`lQh]aace`Q J`lQ`]fgch`Q IalQh]aace`Q JalQ`d]ahbbQ DEC@<6lQ3=24<Q DEC@<6\H:5E9lQaQ DEC@<6\=:?642AlQC@F?5Qmk^=:?6mk=:?6 I`lQ`e]dbbaQ J`lQg]gbbfcQ IalQ`]ceedcQ JalQg]gbbfcQ DEC@<6lQ3=24<Q DEC@<6\H:5E9lQaQ DEC@<6\=:?642AlQC@F?5Qmk^=:?6mk^DG8m kDG8 H:5E9lQ`gQ 96:89ElQaQ G:6H3@IlQ_ _ `g aQ I>=?DlQ9EEAi^^HHH]Hb]@C8^a___^DG8Q 4=2DDlQ>:?FDQmk=:?6 I`lQ`e]dbbaQ J`lQ`Q IalQ`]ceedcQ JalQ_]hhhhhhQ DEC@<6lQ3=24<Q DEC@<6\H:5E9lQaQ DEC@<6\=:?642AlQC@F?5Qmk^=:?6mk^DG8mk^5:Gmk9b 4=2DDlQBF6DE:@?\E6IEQm(9:49 4C65:E 3FC62F :D FD65 E96 >@DEnk^9bmk^5:Gmk5:G 4=2DDlQ72B\2?DH6C HJD:HJ8\4@?E6?EQmkAm{6?56CD H:== EJA:42==J 2?2=JK6 2 4@?DF>6C’D uxr~ 4C65:E D4@C6—H9:49 2== >2;@C 4C65:E 3FC62FD AC@G:56] x?5:G:5F2= =6?56CD—=:<6 r92D6—H:== 6G2=F2E6 E96 C6A@CED 86?6C2E65 3J 6249 3FC62F 5:776C6?E=J] x7 J@F =24< 4@?7:56?46 :? J@FC 4C65:E[ 42C67F==J 2?2=JK6 J@FC C6A@CED E@ 56E6C>:?6 H9:49 4C65:E D9@CE72==D J@F 42? :>AC@G6 FA@?]k^Amk^5:Gmk^5:Gmk5:G 4=2DDlQ72BDQmk5:G 4=2DDlQ72B\BF6DE:@?Qmk5:G 4=2DDlQA=FD\>:?FDQmkDG8 H:5E9lQ`gQ 96:89ElQ`fQ G:6H3@IlQ_ _ `g `fQ I>=?DlQ9EEAi^^HHH]Hb]@C8^a___^DG8Q 4=2DDlQA=FDQmk=:?6 I`lQh]aace`Q J`lQ`]fgch`Q IalQh]aace`Q JalQ`d]ahbbQ DEC@<6lQ3=24<Q DEC@<6\H:5E9lQaQ DEC@<6\=:?642AlQC@F?5Qmk^=:?6mk=:?6 I`lQ`e]dbbaQ J`lQg]gbbfcQ IalQ`]ceedcQ JalQg]gbbfcQ DEC@<6lQ3=24<Q DEC@<6\H:5E9lQaQ DEC@<6\=:?642AlQC@F?5Qmk^=:?6mk^DG8m kDG8 H:5E9lQ`gQ 96:89ElQaQ G:6H3@IlQ_ _ `g aQ I>=?DlQ9EEAi^^HHH]Hb]@C8^a___^DG8Q 4=2DDlQ>:?FDQmk=:?6 I`lQ`e]dbbaQ J`lQ`Q IalQ`]ceedcQ JalQ_]hhhhhhQ DEC@<6lQ3=24<Q DEC@<6\H:5E9lQaQ DEC@<6\=:?642AlQC@F?5Qmk^=:?6mk^DG8mk^5:Gmk9b 4=2DDlQBF6DE:@?\E6IEQmw@H E@ x>AC@G6 !2J>6?E w:DE@CJ @? *@FC rC65:E #6A@CEk^9bmk^5:Gmk5:G 4=2DDlQ72B\2?DH6C HJD:HJ8\4@?E6?EQmkAm!2J J@FC 3:==D :? 7F== 2?5 @? E:>6 :7 J@F H2?E E@ :>AC@G6 J@FC A2J>6?E 9:DE@CJ @? J@FC 4C65:E C6A@CE] %96 76H6C =2E6 @C F?56CA2:5 A2J>6?ED J@F 92G6[ E96 36EE6C J@FC 4C65:E D4@C6 H:== 36] %9C@F89@FE E96 J62C[ AF== J@FC 7C66 4C65:E C6A@CE E@ 4964< 7@C 2?J 6CC@CD @C >:DC6A@CE65 A2J>6?ED 27764E:?8 J@FC 4C65:E D4@C6]k^Amk^5:Gmk^5:Gmk5:G 4=2DDlQ72BDQmk5:G 4=2DDlQ72B\BF6DE:@?Qmk5:G 4=2DDlQA=FD\>:?FDQmkDG8 H:5E9lQ`gQ 96:89ElQ`fQ G:6H3@IlQ_ _ `g `fQ I>=?DlQ9EEAi^^HHH]Hb]@C8^a___^DG8Q 4=2DDlQA=FDQmk=:?6 I`lQh]aace`Q J`lQ`]fgch`Q IalQh]aace`Q JalQ`d]ahbbQ DEC@<6lQ3=24<Q DEC@<6\H:5E9lQaQ DEC@<6\=:?642AlQC@F?5Qmk^=:?6mk=:?6 I`lQ`e]dbbaQ J`lQg]gbbfcQ IalQ`]ceedcQ JalQg]gbbfcQ DEC@<6lQ3=24<Q DEC@<6\H:5E9lQaQ DEC@<6\=:?642AlQC@F?5Qmk^=:?6mk^DG8m kDG8 H:5E9lQ`gQ 96:89ElQaQ G:6H3@IlQ_ _ `g aQ I>=?DlQ9EEAi^^HHH]Hb]@C8^a___^DG8Q 4=2DDlQ>:?FDQmk=:?6 I`lQ`e]dbbaQ J`lQ`Q IalQ`]ceedcQ JalQ_]hhhhhhQ DEC@<6lQ3=24<Q DEC@<6\H:5E9lQaQ DEC@<6\=:?642AlQC@F?5Qmk^=:?6mk^DG8mk^5:Gmk9b 4=2DDlQBF6DE:@?\E6IEQms@6D r92D6 >2<6 2 92C5 :?BF:CJnk^9bmk^5:Gmk5:G 4=2DDlQ72B\2?DH6C HJD:HJ8\4@?E6?EQmkAmr92D6 H:== =:<6=J >2<6 2 k2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^4C65:E\D4@C6^4C65:E\:?BF:C:6D^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm92C5 :?BF:CJk^2m @? J@FC 4C65:E C6A@CE H96? 6G2=F2E:?8 J@FC 4C65:E 2AA=:42E:@?] |2:?E2:?:?8 8@@5 DE2?5:?8 H:E9 r92D6 H:== =:<6=J :>AC@G6 J@FC 492?46D @7 86EE:?8 2AAC@G65 7@C 2? 255:E:@?2= 42C5[ 3FE :E 5@6D ?@E 8F2C2?E66 J@F H@?’E C646:G6 2?@E96C 92C5 :?BF:CJ]k^Amk^5:Gmk^5:Gmk^5:Gm
k9bm|@C6 7C@> u@C36D p5G:D@Ck^9bm
kF=mk=:mk2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^4C65:E\42C5D^9@E6=\AC@8C2>D\H@CE9\E96\677@CE\E@\=62C?^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQmw@E6= !C@8C2>D (@CE9 %96 t77@CE %@ {62C?k^2mk^=:mk=:mk2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^4C65:E\42C5D^2>6C:42?\6IAC6DD\4C65:E\3FC62F^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm(9:49 rC65:E qFC62F s@6D p>6C:42? tIAC6DD &D6nk^2mk^=:mk=:mk2 9C67lQ9EEADi^^HHH]7@C36D]4@>^25G:D@C^4C65:E\42C5D^H92E\92AA6?D\H96?\J@F\A2J\@77\J@FC\4C65:E\42C5\3:==^nFE>0D@FC46lDJ?5U2>AjFE>0>65:F>lCDDU2>AjFE>042>A2:8?l=66Q C6=lQ?@7@==@HQm(92E w2AA6?D (96? *@F !2J @77 *@FC rC65:E r2C5 q:==nk^2mk^=:mk^F=m
