Allgemeine Bedingungen für die Berufsunfähigkeits

!
"
#"!
$#
#%#"&!
#
'()*+,-*./0
%
%
1
23
% "./0/$% 1% % % "02)% 3% %
"0-/4%0%1%./5#01%100)%%6
100% 0% 53% 7#8% 1% 9$% :2!% 1% "06
./%$%#1%;./8%.//1%9$$51%6
$%08%1)
40% 9% 9% 055% /% 1% 100%
!<%%1$%=#%/$)
>5#$#% 9% ./% /10% 1% "./0% 51%
%$%$!%1%?2-./0)
%
)
@%% A./%"./00%0%BC
@%
A%%D%9B)%554/0!%$%%1%16
00C
@%E% >%B./%4%%1%"./0./9%0./#6
C
@%F% A%%9%./8%B%%"./00%-6
0%B1C
@%G
A%0%B%%!40%3%%025./%
C
@%+
A%0%./%!0%1%D%9B)%554/06
!C
@%*
A%0%%%"90%1%B!025./%./%
%1%D%9B)%554/0!C
@%&
A./%#1/%0%53%1%H./D
00C
@%'
A%%1%"/4%9%?2-./0C
@% A%1%B%!<%%>/%554/0!%/<6
/C
@% A./%=0$<0./!%/%%%:/06
./B0!C
@% A%0%53%1%B10%-#%@%'%"./0-06
09C
D% A%5%%-#%1%09/025./%53%1%?2-6
./0% 1% 1% 0./#% :9-./08% 406
%53%1%-%01)
D% A% 9/% 1% 554/0!8% B% 1% $-./%
8%40%53%1%-%01)
%"./01%%1%:$8%/%1%"./6
0./9% /)% % 01% B1% 1% :$% 9./6
8%%9%1%5%%B4/1%1%"./01%6
!%0%40%./%B1)
(,%% ./% 9% % -% "./00% 6
0%B
D% % -#% ?</% % $% =1% 1% 554/0!% -#% $16
%*G%7#98
D% 2./1% 1$% =1% 1% 554/0!8% B% 1% $6
1%9%G%7#9%/)%%$%00%=1%1%6
554/0!%/%!%2./%5%%0)
(
#;!
(E,%A1%1%-./%7#%B4/1%1%"./01%16
%:9-./0%554/0%5#0%7501350!%(6
/%@%%)%*,8%#/%1%554/0!%$%%-#%@%%)%%
%F%-#08%0%B%1%./%9%%-%"./6
00%%-#%?</)
9" (F,%% 2./% 5% 050% 1% ;9/0% /%
$% 5% 1% #8% % 1$% 1% 554/0!% 0% )%
:% 1$% :2!% $3% % % 1% 554/0!% % J6
5#$%$)%A1%%1%554/0!%9%$%24%:6
2!% $08% /% 1% 2./% 5% 1% 0% 53/%
9B% K/% -#% 1$% 08% % 1$% % 1% % 1% 554/06
!%%J5#$%$0%B#1%)%%./4!0%0%./8%
B% 1% 2.//1% 1% -24% 0% ./% -6
./1% /)% % 49% % % F% 0% 2./1% % % /<6
/0%1%0%B0%/</0%1%=1%1%554/06
!)
(G,%>% 1% -0./% -% 01% 40% % 1% -6
0./% -% "./018% B1% 23./8% 1%
1./%%1%554/0!%-#%5%1%"./016
%1%18%./%1%#./%!8%B%%%24%
01%0$./%B1)
(+,%%2./%5%050%1%;%18
8.95
7:
(
7
(,%A1%1%-./%7#%(1%%1%7#8%5%1%56
54/0!%1%"./0%0./#%,%B4/1%1%"./6
D% B% 554/0!% $% % 1% 100% ./% $/%
-#0%#1
D% B%1%"#90%0$4L%@%%)%8%%#1%E%./%$/%
-#0%#1
D% B%1%=1%1%554/0!%%G%7#9%!%#1
%%-#%*%
%"%&'%()*)+,%%%"%
45
67
01%1%:9-./0%554/0%(/%@%%)%
%%F,8%0%B%5#01%0I
D% B%1%-./%7#%%#1
D% %5%1%-0./%01)
(*,%%9%./10%3%1%025./%$3%%1%6
40%%-#%?</%B%./M%B%B1%1%9-%09/%
40% N1#./% % !0% 1% 025./% 93.!9/)%
5% 0% 1% B% >/% 1% 40% % 9% % ./6
10% 3% 1% 025./% 9#)% ./1% B% ./% 6
./% 1% 023508% 1% !% 2./% /8% 1% 1%
01% 40% % % $$% ./99/)% 5% >/%
A./%!%1%$$%1%01%40%%9B<5%#6
% 09/% B1)% 109% /% B% % 1$% %
./)% #5% % % B3./% 1% 1% $<0./% 8% !% 1% 6
0./% ./% 1./% % "./0% $% $% -% -#/16
%=/%(9)%)%H./,%5#0)%%53/%10%9%6
% "00% 1% "./00)% % 01% 6
40%!<%./%1./%%"0410%(9)%)%%06
/</0%#1%%"00%1%0,%00./%B6
1)
(&,%#5%./%1%-%8%1%1%554/0!D
:9-./0% $% 5% 1% #8% % 1$% 1% -./%
7#%/%410%A#/9%%%=%L/%1%016
% 1% #24./% #8% >18% #B0% 1% 1%
./B9% -0% /% #1% ./% 40% % ./% #% #6
./%L/%1%%50/%/)%$%1%1%"6
./0./9% 1% 1% 09/025./% 53% 1% 5546
/0!D:9-./0)% 23./8% 1% 5% % % 9$% <6
./% 1% "./0% 0% 554/0!% /8%
%N1#./%3/)
%./%1%-./%7#8%/%410%A#/9%%6
% % L/% 1% 01% 1% #24./% #8% >6
18%
#B0%1%1%./B9%9%-0%#1%./%-#./6
./%40%%./%#%#./%L/%1%6
%59/8%$%%-930./%%J5#$%$0%B1)
(',%;%9/%B%$#./%$%"#)
(,%A%0%%%1%H./3%1%%1%B06
-%(/%@%&,)
8-9
7
1
!
:
#
(,%"#410%554/0!%0%-#8%B%%-./%6
$% -#% ./% 1% 09./% -#0/% 09% 6
./L./% 5#0% % =1/91% B0% 546
/0!% 501% % :0% 1% $9% #1% % -#$%
/%%=./%50%98%%1$%1%546
/0!% 50% B18% % #1% % 1% ;/1% -9%
B1)
<7
# (,%B% 554/0!% 0% -#8% B% 1% 9% %
-./% $% ./L./% 5#0% % =1/96
1%B0%09%54/0!%501%%:0%
1%$9%#1%%-#$%/%%=./%506
%98%%1$%1%09%54/0!%50%B18%16
9%B1)
%"%&'%()*)+,%%%"%
#
(E,%"#410%554/0!%0%./%-#8%B%%-./6
%$%-#%./%1%09./%-#0/%09%
./L./% 5#0% % =1/91% B0% 5% 6
$$% ./% (9)% )% 7#9D8% K9-#9018% B/6
91,% ./4!% 54/0!% 501% % :06
%1%$9%#1%%-#$%/%%=./%56
0% 98% % 1$% 1% ./4!% 54/0!% 50%
B18%%#1%%1%;/1%-9%B1)
>%1%-./%7#%%$%5%A15%#1%%$%
5% 7#8% B1% 1% -./% 0% 5% 1% % -#%
./%K/%0B4/)%A%%3%1%:$%/8%B%
1%-./%7#%5#0%O!/8%O<2-90%#1%$/%
% 2./1% O45-58% 1% 49./% ./9B%
18% -#././% 11% ($1% 1% K/,% L1%
8%/%5%D%#%B%%#/%01/./%4./00%6
0%B%D%#1%%1%40!%938%1%501%/6
%10%1%4/0!%03%B1%!%1%/%6
0% -#% % 1% 01/./% 4./00% 6
2./8% B#% % B#% 5./% 4/0!% 3.!./0%
B1)
(F,%
./%./1%%1$%$-/48%#/%1%56
54/0!%0$4L%9%%#1%E%0%8%0%#01I
,%"#410% 554/0!% 0% -#8% B% 1% -./% 76
#% 5#0% O!/8% O<2-90% #1% $/% % 6
2./1%O45-58%1%49./%./9B%18%-#6
././%5%%($1%1%K/,%/%99%036
%58%#%B%%#/%01/./%4./00%06
%B8%-#410%./%$/%3%!%1%./%!%6
1% 40!% 38% 1% /% /0% 0% 6
2./)% B% 554/0!% 0% -#8% B% 1% "#6
90%%%$%$$%=1%53%1)
% 1$% 7#!% 1% 410% 1% 0% $%
A0D%1%!#50%0%554/0!%%1%
-#8%B%1%-./%7#%./%%/%9$%$#6
0#%./%B/%/%/%%40%%!<6
)% % $#0#% % 1% 9$8% B% 1% 30%
1% 40!% 1% /0% 0% 1% -./% 7#%
#./% 0$% 8% 1% -./% 7#% /% 0%
-#%%1%01/./%4./00%B/%!8%6
/./%O29%./%5#1./%%1%!%/./%
!#$$L%1$%-1%1)
% 18% 1% % 5#1./% :B./2350% (9)% )% "#6
12#$8% 7/ !$8% 0D:B./2350,% 1% /8%
235% B8% #% % 1% 40!% % #-% 1% 16
00%%/%0$%00%3%!<)%>%6
% :B./2350% ./% 5#1./8% 0% 1% =./8% B% 1%
-./%7#%1%?45%1%09./%-#0/%#1%$%
././% 3./% 109% (9)% )% ;019,% 6
#-%/)
%1%B1%%%1%4%%1%7350%%
025./%1%4/0!%1%-./%7#%901%06
08%%1$%9%1./5)%?%1%-./%7#%-#%6
0% 1% 1$% % 5% 038% #% 0% B% % 1%
4%1%9%03%5%901)
,%>% 1% -./% 7#% ./% #% #./% 5#0%
O!/8% O<2-90% #1% $/% % 2./1%
O45-58%1%49./%./9B%18%-#410%#1%6
B% L1% 0B8% /% 99% 03% 58% #%
B% % #/% 01/./% 4./00% 0% B8%
93% 1% /% % % 1% :% ./% !% 1% 40!%
038% 1% /% /0% 0% 2./8% 0% 1%
#1%1%:1%%-#410%#1%B%56
54/0!)
(G,%% 554/0!% $% % 1% 9% F% 0% % 1$% $6
50%%18%%1$%1%-./%7#%%%5./%
40!% 3)% % 03% 5./% 40!% $% /%
1%0%1%-./%7#%%B./5./%1%#6
9% ?./% 9$% :2!% 1% % 1% 554/0!% 6
2./)% % 1% /0% 0% 2./1% 406
!% 0% -#8% B% % % /% "030% 1% A./490% ./%
23%%1%
-%1%-#%%1%554/0!%06
3%40!%!)%%1%1%-./%7#%9$%
!#$$190% B1% -#% % N% ./% 0% 1% 95%
%3.!./00%1%1./%/<./././%1%/./1%
#10././% ;./2./0% 500% =<L% $% "6
0./%9$%N4/./%#!#$$%$%99%-#%%1%06
1/./% 4./00% 03% 5% $$)% 0%
1%"#90%-#8%%%/./8%#%1%554/06
!%%1$%53/%5%5#18%%%18%1%-./%76
#%B%./8%1%%/%%5./%40!%38%#B#/%
%%-#%*%
D% % 554/0!% 5#0% 7501350!8% B% 7506
1350!%0$4L%@%%)%*%./%$/%-#0%#1
(+,%./1% 1% -./% 7#% -#30/1% (/<./% 1%
K/,% % 1$% 5% % 1% B1% 24% 0% B6
0% 554/0!% 08% B1% B% 1% 554/0!%
./%1$%99%03%5%D%#%B%%#/%01/./%
4./00%0%B%D%1%1%1$%./%6
0%9$%:2!%1%./1%%1$%5%6
)
% 1/5$% ./1% % 1$% 5% !#$$% % %
1%B10%1%9%F%15%8%1%1%-./%76
#%L1%8%%40!%938%1%501%/%6
10%1%4/0!%03%B1%!%1%/%6
0%-#%%1%01/./%4./00%2./)
%./0%1%5./%40!%B0%./98%6
98%A/D%#1%15B01%%$$%%-#36
0/1%./1%%1$%5%1)
#;
(*,%554/0!% 5#0% 7501350!% 0% -#8% B% 1%
-./% 7#% ./% 1$% 5% ./% 1% #909./%
(=%P>,%%1%$%)%K%G%030%0%%./BD%#1%
./B2501350%0)
5#5
0,%1./%%B1././%?108%$%1%%%"./06
/$% -#49./% 1% 554/0!% 1% -./% 7#%
/053/%/M
/,%$%#1%$%1./%1%-#49./%9%-#%#6
$8% ##0./% #1% ./$./% A55% #1% 1% -#496
./% 9% #1% 1% -#49./% 90% -#% 1#!-8%
##0./%#1%./$./%#558%#5%1%9%#1%1%
9%15%0./%18%1%%#1%1%=1/%6
% "9/% -#% 7#% 9% 054/1)% A% "#90%
53%%05/%8%1%1%0%9%%./%
-#//% "410% 1% 015% 003%
1%././%./0010%53/8%#%1%1%536
!% 1% 900% "./00% ./% $/% 06
B4/%)%%$%-#%$%/400%/41%6
40%B1)
%0%1%./%0./#8%B%1%-./6
% 7#% % $$% #1% $$% :$$/0% $%
!0./% 0% 554/0% B18% 1% % B4/1%
%5/%L/%1%12!%./1%6
09%1%%1%%./%!-%0%B)
8>9
375
!
7:
(&,%"#30/1% !% !!0% 53/% 9% !% /</%
50)% "#30/1% 0% % 5% 6
3.!./0)%%!!0%#1%0%0%1%./%%-#36
0/18%B%%./%1%#%#./%/4)
(,%A1%%0%%1%554/0!D:9-./0%
2./8% $3% % 5% O#% 1% 2.//1% %
1./%2./%D%005%%00%H90%D%5#6
01% !358% 1% 9% 0% % 025./% 5#6
1./%18%00%1%
./B%-#00%B1I
8=)7$
5
#
!
:
0 # '
8-
.0
=149./%/%%025./%/400%1-#8%5%
B./%./%1%554/0!%/)%%/%!%"6
./0./98%B%1%554/0!%-./%I
D%1%:0%1%$9%#1%%-#$%/%%=6
./% 50% 98% 1% ./$54/0% ./1% 1%
1%!1%3%1%"90%%1%;/1%#1%1%6
0%%1$%<55./%M
,%1./% -#49./% 53/0% #1% 1% "./% % 5%
1./%1%-./%7#M
07
# !
'
8-
-0
,%$%#1%$%1./%O00)%%6
0%1%./%0./#8%B%1%-./%7#%%6
$$%#1%$$%:$$/0%$%!0./%6
0%554/0%B18%1%%B4/1%%5/%
L/%1%12!%./1%09%1%%16
%%./%!-%0%BM
.,%$% #1% $% 1./% % /8% #5% 1% -6
./%7#%5%1%/5%0#$$%/M
1,%1./%54%1%-./%7#
D%%55/9053/%(./%52#0453/,8%#B%1%
./% 1./$% ;./% 153% % % <08% #B% %
#0%90$01%%55/90M
D%% % $% ?5% % 55/90% 931% 56
./%40!M
D%%1%90%-#%;$5/90M
,%1./% /% 5#0% O08% 1% 1% % #1% 1% =6
1/%9/./%./%1%054/18%1%9%B/%
1%=54/10%%O#2/./9/<1%#1%-0./6
%/<1%40%B1M
%"%&'%()*)+,%%%"%
A%B1%N1#./%8%B%%./0B%B18%1%1%
-./%7#%1%?10%%$%1%5%A6
$$0%./L1%:1%!!/5%<0%1%=6
40!%00%/M
5,% 1./%5#01%-#%1%-./%7#%-#0#$$%?16
0
D%././%?53/0%-#%O!/8
D%././% ?53/0% -#% $/% % 2./1%
O45-58
D%././%-90%#1
D%-./%<0)
D%1%:0%1%$9%#1%%-#$%/%%=6
./% 50% 9% 1% 1% ./1% 1% /%
3%1%09%54/0!M
0 # '
8-
=0
D%1%:0%1%$9%#1%%-#$%/%%=6
./% 50% 98% 1% ./$54/0% ./1% 1%
1%!1%3%1%"90%%1%;/1%#1%1%6
0%%1$%<55./%M
0 !
# '
8 - > /0 !
# ?3 7
7
!
'
8-
=0
D%%:0%3%1%0%1%=%1%-./%7#M
D%%53/./%0%1%./%53%1%%1%6
554/0!M
D%53/./%./%1%Q98%1%1%-./%7#%006
B40%/1%9B)%/1%#1%./%/8%3%6
./8% 08% 8% "5% 1% -#././% % 1% 6
1%1%-./%7#%#B%3%1%=1%1%56
54/0!%#1%3%1%7501350!M
D%% 53/./% ./0% 1% 99% 03% 5%
1% -./% 7#8% 1% 0% 1% 40!% $% :6
2!%1%%1%554/0!%#B%3%1./%06
%"410M
D%0%1%
./B%3%!#$$%%5./%406
!M
%E%-#%*%
% /9% 501% /% 01/./% "/4% 0./%
./%%1%0%)
D%%50
D%1% Q98% O!/48% O!8% 750./6
0%#1%7502#8%%1%%%/10%B8%
1%#1%D%#5%!%D%%B18
D%1% "./00./58% #9-./040%
#1%#0%"#00408%%1%%5%6
0%B0%554/0!%01%$./%!<8
D%3%>/%190%0%1%53/%0M
D%
./B%3%1%B./5./%"/4%1%/%"46
10%(9)%)%!#$$D./1,%-#%1%./%6
%1%554/0!M
0 # ; '
8 -
+0
D%%./00%1%750-./040%3%1%6
/%1%7501350!)
(,%%-./%7#%$%%Q98%O!/48%O!6
8%750./0%#1%7502#8%%1%%%
/10%#1%750%B8%%#1%D%#5%!%D%%B18%#6
B% "./00./58% #9-./040% #1%
#0%"#0040%%1%%$4./08%%6
!5% 3% 2#9#0% =1/1% 9% 8% #B%
1%O%1%%53%1%0%1%9%-./1%;6
!#%#1%1%025./%5#1./%)
(E,%>% 1% 4% 1% 554/0!% ./% @% % )% E% 9% E% %
)%+%0%#01I
,%A%!<%L1$%5%%O#%9%0%%
025./% B% 49./% ./0% 1./% -#% %
50% Q9% #B% #B10% ./B% -08% 6
#1%949./%!35%1%5!40%(9)%)%6
./00,)
8@97&
%
:
(,%
./%7350%1%%0./%#B%1%-#%%09#06
%0%!4%B%%J5#$8%#8%%B./$%$50%1%
53%B./%:$%B%%025./%!)
A% 9% 0./10% B% 0% 5#1./%
18%5#1%B%1%-930./%%1%5#$%%/3)
(,%=149./% 5#0% 1% ./10% 3% % 06
25./% #/% 9./% 50)% >% 031% 954% !<%
B%%025./%$08%40%N1#./%53%%:6
$%-#%F%#8%5%!8%B%/53%%./6
./% =1% /8% 1% B% >/% $% B1)% 3% 1% %
1%50%-9./%B%5%1%
./2350%1%554/06
!)
8/9
7
!
:
A%
(,%A% B% % 025./% 5% !% /%
#1% % 0././% 50% B#1% 8% 1% B% ./08% 1%
#/
D% 1% 554/0!% 5#0% 0$% 54/0!% (/%
@%%)%,8
D% 1% B% 554/0!% 5#0% 09% 54/0!%
(/%@%%)%,8
D% 1%554/0!%5#0%./4!%54/0!%(/%
@%%)%E%9%,%1
D% 1%554/0!%1%/%=1%(@%%)%E%9%%%)%+,
,%?4%./%1%-./%7#%$%1%58%!<%B%-6
08%1%1%5#1./%49./%./0%%./6
1%1./053/%B1)%>%1$%%3/$%B%1%6
./0!#8%N1#./%./%1%;D%1%5/!#)
#1% 1% 7501350!% ./9235)% % !<% B% %
2358%#%1%-./%7#%%1%40!%$%%-#%
@%%38%B#%./%%B#%5./%4/0!%9%6
3.!./0%1)
.,%%-./%7#%%-25./8%-#1%9$%$16
9./%L/$%9%11%1%9%5#08%1%./%1$%N6
B%!%1%1%$19./%A./5%./%5%
0% /% 01/./% "/4% )% % #./%
L/$% 0% N1#./% % B108% ./0%
1%/108%%1%%./1%53%%#1%=16
/% $% /#/% A/././!% 0./#% B1% !8%
$% 1% !% /./% ./$9% -1% 1% 1% 1%
!%/./%055%%1%!<2./%-//%16
)%:%1%L/$%94/%9)%)%1%/$%49./%-6
#1% 1!$8% 1% 90% 1% B10% $196
./%?D%1%?5$%(B%9)%)%//58%#/#241./%?56
$8% #0% $19./D././% ?5$8% 2/ !./%
/28% 0#/2,% #1% 1% ./53/0% % #0#2416
./%/2)
A%
!
#7 L/$8%1%3%1%;/$%%./%$19./DB6
./5./%!%#B10%/10%/0/8%
#1%1%$%L0B</./%;!%1%
B!0%-6
1% 18% B% 9)% )% 2#8% /D% #1% /$#/6
28%-0%B%./%-#%1%-./%7#)
%"%&'%()*)+,%%%"%
(+,%A1%B0%/</0%1%=1%1%554/0!%/</6
%0%-08%0%1%49%%%G%0$4L)
(F,%%0%B1%5408%./1$%B%1%/0%6
0./#% /8% 1% 9% 0% 1% "./05% 1%
1%$50%%025./%#B10%1)%A%%%
1% 0% 75./% ./% 538% !% 1% 9% #0% /8%
1%B%./%5%!<8%#%#1%%B./$%$50%B%6
025./0% 1)% % 75./-90% !% #$% 19% 53/8%
1%%0%./%540%B1)
(G,%%HB0%-#%0%%41%L/%1%#246
./% A./5$% 40% 1% 2././0% 7#% 1%
1$%-1%=5/)
(,%A% 0% % 1% ./2350% ./L./% 1% ./B% 1%
/% 3% 1% /% B% 54/0!% 9B)% 6
09%54/0!%901)
A%
B8-
=1 -
/
(E,%%
./2350%1%554/0!%1%/%=1%$5%
#1%1%0%1%=1/-/4%1%%
%5./%40!%(/%@%%)%E%9%%%)%+,)
:% ./2350% !<% B% 5% % O#% N19% ./16
./%!35%1%
./B%-0)%%7350%1%#6
/%1%554/0!%1%/%=1%(/%@%%)%E%9%%
%)%+,%!<%B%949./%$%N4/./%$51%6
./0% 1% -./% 7#% 1./% -#% % 9% 501%
Q9%-0)%%$$0%1%@%F%0%2./1)
A%;
(F,%A% 0% % 1% ./2350% ./L./% 1% ./B% 1%
750-./040%3%1%/%B%7501356
0!%901)
7
9#
2
7
(G,%A%1%05%#1%9%%0%/8%B%
B% 58% 1% 1% % @% % 1% @% % 0% "#90%
1%025./%5%1%9B)%./%1%=1%1%546
/0!%9B)%554/0!%-$1%/%1%B%>/%1%"6
410%%J5#$%10)%%0%!<%B%$%6
%F%-#%*%
D%005% ;./1% % #9-./046
0%3%%B$10%(0#$$%096
./%5-./0,M
9;
(+,%0%D%9B)%554/0!%5#0%7501350!%-#%
1%1%1%7501350!%(/%@%%)%*,8%%B%6
%0%)%%0%%0%B1%B%>/6
% % J5#$% 10)% 9% G% 49% % 1% E% 0% 26
./18%B%B%%0%)
2
%
(*,%%10%1%554/0!8%1%1%1%7501356
0!% (/% @% % )% *,% #1% 1% A15/$% 9B)% Q10%
1%5./%40!%D%./%$%%%A1/0%1%
54/0!%D%$3%%%-930./%$)
(&,%%1$%#1%1%-./%7#%1%1%2./%5%6
050%1%;%(/%@%%)%+,)%%#1%%%%N1$%
%-930./%990%1%1./%%$./8%%1%=6
#% /1% !1% ./9B)% % !6
1% $% % % 1./% 2./% D% 005% % 00%
H90%D%-#00%B1)
(',%:%./%$250%;9/0%1%%%93.!96
9/)
8+9
5 27
%
&
7
:
#0%%B!025./%./%@%F%#1%@%+%-#%>/8%1%-6
./%7#%#1%1$%2.//1%-#49./%./%6
53%B18%%B%./)%%0#%5/40%"90%%6
B!025./% 1% B% ./08% % 0% % $% 1%
./B%1%"./1%2./1%"/4%9%!39)%6
1%0%8%B%B%1./%0#1%0%%J5#$%5%16
%;./5#0%/0B%/)
A%%./8%1%1%B!025./%./%0#%5/40%-6
9%B#1%8%%%025./%/)
% 23./% % 1% :9-./0% % ./% /8%
#B%%%./B8%1%1%"90%#/%5%5%1%
0% #1% 1% $50% % 025./% )% % 0%
./8%B%1%B!025./%00%-9%B1)
A%1%B!025./%24%53%B18%1%B%%0%1%
1%51%#%./%L0%1%100%9%6
0%-25./)
8C9
#D
!
:
(,%% /% 0$4L% @% GE% 1% "./0-009%
(""=,% % H./00)% 53% 0% 1% ;00% 9%
H./00% % 1% 0$% 100% 53% 1%
?2-./0)%
./5#01%4%B%>/%1%#1/6
%1%H./00%1%:9-./0)
%"%&'%()*)+,%%%"%
(,%A./0%55!#%-#%%%554/0!%%1%
B.!0% 1% -./% ;!#% 1% 1% O#)% H./3%
/%#18%B%1%5B10%53%1%5546
/0!!#%1%1%O#%./%030%B.!%%%1%6
5!!#%901%00)
(E,%%40%53%>/%:9-./0%1%-#00%1%6
.!0% -#% 554/0!!)% -% H./%
B1%$%1$%0%-./)%%/%1/%-#%%%
554/0!%!%40%9%"53008%%1%O26
40% /% !<)% % ./% % % 554/0!% %
./%1%B.!0%1%O2$!%-#%0<L%10)
(F,%% 1$% =1% /% -#% % % 554/0!%
./% !% B0-)% ./% % 1% 554/0!%
B1%1%?</%1%B0-8%#5%#./%3/2%6
/8%N4/./%%$%(/%9%',)
2B
D
)
5
(G,%% :9-./0% 0/<% 9$% =B-1% :% % 1%
1022% 1% ?2-./0)% >% /400!% -#% 1%
:#10% B1% 53% >/% "./0% N4/./% H./%
500)% A% -<55./% 1% H./49% % $%
=./45./)% 5% A./% ./.!% B% >/% 1% >5#$#%
9)
(+,%3% 025./0% "./0% !<% % 51% H6
./%%7#9%1%50%/)%%B1%$%
1%40%-./)
(*,%% 5% 1% -% "./01% 1% :9-6
./0% !<% % % ./9/0% /8% B% !% 6
554/0!%1%-./%7#%0%8%1%06
23./%031)%%B1%%7#9%1%540%506
9)
% -#90% 100% 1% :9-./0% 1./% #1% #1%
O3100% ./% $1% $% % 1% "./018%
/<./%9/%K/8%!%%./9/0%%19%?<6
/%540%B18%B%!%0%9%0%B)
(&,%A4/1%1%90%%554/0!%!%%6
00%%1%B0-%540%B1)
3%1%00%%1%B0-%$%;90%B1%
N4/./%$%;/$%1%H./1!#%%-#%1%4./6
./%?</%1%B0-%/400%00%(#.!6
00,%500)%>%1%2./%5%1%00%%1%96
0#1% B0-% /</% % 1% #.!008%
B1%1%301%%949./%9%#.!00%0B4/)
(',%"./08% 1% 9$% ./0% 53% 1% :0% 1% H6
./%(:0./0,%$%;90%18%!<%:6
3./%%7#9%1%9$%:2!%1%:0%-#/6
1% .!0!2% 1% ;% /8% $% ./% 5%
1% 1% "./0N/% 1% $% $1% N4/0%
;90)% :0./0% % 1% )% K% 1% K/8% 1%
1$%:$%5#08%53%1%1%H./00%1!%B6
1)%%00%%1%B0-%B1%9%1%0./%
:0./0% 540% B% 1% :3./)% % :6
3./%#B%%00%%1%B0-%
(./L./% % #.!00,% B1% % $0% 53%
% 05% :9% (#,% -B18% 1% 9$6
$%$%1%-./%;8%N1#./%./%3%1%A05%1%6
554/0!%/8%540%B1)
(,%1%1%554/0!D:9-./0%9$%-6
%;0%1%?2-./08%B1%%%-%06
B4/%./9/0%1%1$%53%1%?2-./0%06
% ;5!#% (/% 0$% 100% 53% 1% ?2-6
./08%%+8%705%RA%$%B%1%;%%1%#16
0/CS,%%949./%;%01)%A%%53%1%?26
-./0% 1% #53/0% 1% #10/% 0B4/% /8%
B1%%-%0B4/%./9/0%2./1%1%;06
0% 53% 1% ?2-./0% 9% /</0% 1% 5#953/1%
#10/%-B1)%1%1%554/0!D:9-6
./0% -#% 1$% -% ;0% 1% ?2-./6
08%53/%B%%-%0B4/%./9/0%1$%#16
9/0%1%?2-./0%9)
8E9
5
6%
:
(,%%554/0!D:9-./0%1%$%1%"./6
08%9%1%%0./#%B#1%%(?2-./0,8%%
/M% % !% #/% 1% ?2-./0% ./% 5#09% B6
1)% A% 1% "./0./9% % 1% ?2-./0% 6
18%24%$%1$%-%;08%1%1%:96
-./0)% 3% 1% :9-./0% B1% % 0% /#8%
1%/400%-#%1%-#%>/%0B4/%50%1%40%
53% 1% ?2-./0% (/% @% % )% % 1% 0$% 16
00%53%1%?2-./0,%)
(,%%554/0!D:9-./0%!<%%%9$6
$%$%1%?2-./0%%%05%"./0%$6
%G%-#%*%
5%1%1%#%./%:00%%!40%%>/%6
%#1%/9)%%1$%:2!%$3%%./%1%
40%B1%9/)
(E,%A%%53%>/%554/0!D:9-./0%51%
40%9/8%!<%%1%:9-./0%%09%#1%
B%$%%%-#%$%#%9$%./%1%51%
"./02#1%%J5#$%!310)%>%1%9%9/%"6
./0N/%1%:9-./0%!%1%554/0!D
:9-./0% % 9$$% $% 1% ?2-./0% 09%
#1% B% 0!310% B1)% % ;3.!!5B% % 1% 6
554/0!D:9-./0% D% #B% -#/1% D% /%
%8%B%%1%:9-./0%9$$%$%1%?26
-./0%!310%1%#./%!%0%%1%:9-6
./0% !% B1)% % ;3.!!5B% $1% ./% $% 3.!6
410%40%1%%90%(/%9%G,)
(,%% % 9% 30% % ;./% % 1% "90% 1%
-#-0./% 9025./% 45% ./% 5% 535% K/% % "6
0./)%>%1%"./05%-#%5%1%%06
8%!<%B%1%;./%./%./%5%1%%01%$6
./)% ?% % #1% 1% -./% 7#% 1% 9025./% -#6
49./%#1%00%-98%40%1%%9/%K/)
(,%#B%%1%100%./%1%00%8%0%
1%0$%100%53%1%?2-./0%0$4L)
8.*97F1)
F!
:
(,%%/%1%;./8%%-%0./#%5546
/0!%#/%%;!#2350%9%$%949./%6
0% % 5#01% 08% 1% 1% -./% 7#% 558%
9%/</I
O310%%>/%554/0!D:9-./0%%B6
8% % 1% O3100% B!$8% B% 1% -1% 06
25./0% 554/0!% % G% #% $#./% !)%
A%%%1$%%>/%554/0!D:9-./0%
1%B#8%$3%%%#%09%!310)
D% /./L0%#1%00%%2./58
(F,%% 554/0!D:9-./08% 53% 1% !% 46
0%$/%9%9/%1%(05%554/0!D:9-6
./0,8%!<%%%9$$%$%1%?2-./0%!36
10)%%90%%9%G%9%E%54%%1$%)%9%E%
9%E%0%2./1)
D% 5#0./%./%%7#$##%#1%?#8
(G,%%;3.!!5B%./%49%E%1%F%9B)%1%%1%56
54/0!D:9-./0%53%1%10%1%05%6
554/0!% 9% "5300% /1% 0% ./% 9% %
$1%./%$%3.!410%40)%L1$%/$%B%%
90%-#)%%90%40%1%:B<55./%1%$#./%56
0)%%90%%9408%B%%0$%)%%%$%
:B5%-#%%./9B)%%1$%90%B1%1%"410%
1% ;!#0% 1% -1% "./1% 006
./)% % O!#% -#% "./02#1!% % 158%
1%1%;!#0$./5%./%0./$4L0%%"./0/6
$%$%$%/#/%1%$%00%;!#%9$$9)%
%7#%$%$%00%;!#%1%;!#0$./5%/%
-% 9B)% 1% "./0./9% -$1% % 7#%
$% $% /#/% ;!#8% B1% % #$% % !!#./% 6
0./% ./08% 1% 1% ;!#0$./5% 11./% !%
./% /)% #5% % % ./B8% 1% 1% 1$% 90%
901% 01% /$% % >/$% % B1% 1$% =1%
./%./%955%#1%1%90%B./%10%9%955%
8%54%1%90%9B)%B1%D%$%9%%D%2./1%/6
09)
(+,%% ?90% 1% -./% 0% % 1% ?2-6
./0%0%1%49%%%G%2./1)
(*,%0% B% 0% % 1% 554/0!D:9-6
./08% ./% B% 1% 0% % 1% ?2-./0% #8%
%#%%1%0%-41%B%09/%/4)
%"%&'%()*)+,%%%"%
7#8%1%%%%1N0%7#%%/8%1%1%6
23./%%1$%"./0-0%B%#%(90./6
0,)%%!<%1%90./%%9%NB0%40!8%./%
./% 0% 1% ;9/08% N19% % J5#$% B15)%
A%B%;%9/8%%$%N1%40!%%;%%06
% "./05% )% ./% 1$% #1% 1% -./% 7#%
!%1%90./%53%1%#15D0%(9)%)%%1%H6
./00,%./%$/%B15%B1)
(&,%23./% % 1% 554/0!D:9-./08% 1%
5% % -#% O3100% #1% 050% 1% ?2D% 9B)%
:9-./0%0%554/0!%/8%B1%
1./%O3100%#1%050%1%?2D%9B)%:9-6
./0%./%3/)
(',%23./% % 1% 554/0!D:9-./0% !<6
%%./%%#1%-25418%0#$$%%1%-6
./%7#)
(,%% 0% % 1% 554/0!D:9-./0% 6
0% B% % % % % "./0/$% #1% % %
D% =%#1%1#2#%%O18
D% 5%./%5#0./$%./%%510%
#1%%1$8
D% 0%9$%$%5%7#8
D% 1%23508
D% !#$$/</0%%./410%40!8%B%./%
1%#N/!#$$%$%$1%%7#9%003%
1$%"#N/%/</%/8
D% !#$$/</0%%55./%#1%410%406
!8% B% ./% 1% $$% 1% #!#$$% % 5./%
40!%1%9%1%O1N/%$%$1%%7#9%
003%1%$$%1%#!#$$%%5./%406
!%1%1%1-#%01%O1N/%/</%/8
D% 5/$%%/%9$%B%%%B#/%>$6
$#)
/</0$%%1%4./%#8%./1$%%%$6
0% /8% 1% % -#% 1$% /</0./% =./% $./%
B#)
(,%3%1%/</0%1%554/0!%0%5#01%"#6
90I
D% %;./%5%1%/</0%$3%%/%-#%1%#6
% ./% 1$% % 1% 0% % "#0% 00%
./B%3)
D% %-./%7#%/%%1$%#%1%/</0%1%F+)%6
N/%#./%./%-#1)
D% %-./%7#%%./%554/0%$%%1%6
100%1%9/%9$%:2!%1%00%!%6
0%B0%5D%9B)%54/0!%#1%B$16
0%#1%/%#./%./%0)
(E,%%/</0%1%554/0!%#/%%;!#236
50%%/%5#01%=9%$<0./I
D% % 9% /</0% 1% 554/0!% 15% /<./6
% +)% #% $% K/% 08% N1#./% ./% /</% % % G%
7#9%1%%"0./%-./%554/0!6
)
D% /% /</0% 1% 554/0!% 135% 06
$% )% #% K/% ./% 308% N1#./% ./% /<6
/% % % 1% % "0./% -./% 554/06
!)
D% % 0$% 554/0!% 2#% K/% 15% D% 9#0% 5%
1% :2!% -#% 1% NB0% /</0% D% F% 7#9% 1% %
9$% :2!% 1% /</0% 53% 1% ?2-./0% 09/%
%+%-#%*%
B18% 1% % 18% B% % 05% 554/0!6
%-#%$1%G%#%$#./%./%B1)%%"/4%
9B./%1%554/0!%1%1%0%%1%?26
-./0%B1%1./%1%$B10%%%05%"6
./0%./%-41)%%05%554/0!%6
./%B%./%!%;0%1%"./0$/$!%
53%1%./%1%51%"./02#1)%%%1%6
554/0!D:9-./0%53%1%10%1%05%
554/0!% 9% "5300% /1% 0% $1% ./%
$%3.!410%40%1%%90%(/%9%G,)%A1%1%
1%./%./8%53/%B%1%1./%1%056
0% 9% "5300% /1% O2% ./% 90% 0$4L% 9% G%
1$%#19/0%1%?2-./0%9)
D% %0$%-./%554/0!%2#%K/%136
5%*G%7#9%1%!%
#N/!#$$%1%-./6
%7#%./%3./)
(F,%% 40% 53% 1% /</0% ./% ./% ./% 1$% %
1%-./%7#8%1%1%$%1%1%#8%9%1%
0% 1% NB0% /</0% B!$% B18% ./% /8% 1% 6
./%"./0D8%09/0D%1%018%1%6
230./% -% ;./0010% 1% 1% 2306
./% /$100)% % 0% 53% 1% :9-./6
0%B1%$%1%949./%0%/</)
8..9
F1
!
7:
(,%%:/0./B0!%/%%%1%056
0% (/% @% '% )% ,% 1% <0./!8% 1% :9-./0% 96
$$% $% 1% ?2-./0% 5% 0% D% #1% $/$%
#/%09/025./%9%./)
%"%&'%()*)+,%%%"%
A4/1% 1% ./0% /% "./0./9% % ?</%
1% 05% 554/0!% (/% @% '% )% ,)% ./%
5% 1% -% ./09% B1% 1% 0%
#/%%;!#2350%#$./%5%1%?</%1%"./6
0./9% -#% 1% ./0% 0/#8% #5% 1% 6
./09%0$%/<./%9B%K/%(9B)%%>2./6
/$%-#%9%/<./%1%K/,%0%/%1%1%"6
./0./9%1%?2-./0%5%B1%5%1%?<6
/% -#% 1% ./0% 0/#% B1)% "#90% 8% 1%
1%-./%7#%9%1$%:2!%./%554/0%$%6
%1%100%%1%1%09/0%B1%50#$6
$% B1)% % 0% 53% 1% 554/0!D:9-./0%
./%./%./%1$%%1%-./%7#8%1%1%$%
1% 1% #8% 9% 1% 0% 1% A1!590% B!6
$%B18%./%#B%1%./%"./0D%1%06
1)% A12./% % 1% A1!5908% % B% 1%
:9-./0% 9$$% $% 1% ?2-./0% 06
58% #5% 1% -#/1% .!0!2% 9% 10% % 6
05%;%./)%15%B1%1%:9-./0%
1)
A1%1%"./0%0$%$/%%9B%K/%(9B)%%>6
2.//$% -#% 9% $/% % 1% K/,% #./% #1%
-#% 5% 1% -% ./09% B1% % O5% 06
98% % % A1/0% % ./% % % ;!#236
50%$<0./)
(,%% :/0./B0!% !<% % ./% $% % -6
8%1%:9-./0%%410%554/0!D"6
./0%./%1$%9%1$%:2!%53%1%
900%030%
5% % 9% ?</% 1% 99% -% 554/0!%
B953/8% #/% 1% % % ;!#2350% 5#0)% %
?2-./0%B1%1%B1%1%#1%05%06
)
8.-9
7#8.E5
!
:
A%-9./%5%1%;./%%@%'%"./0-009%
9%"0410%1%O31008%#5%1%9025./-6
90%-./1%5#0%)
45
67
3%1%$0%1%408%1%5#1./%18%$%1%"./6
00%9%08%/%B%%;./09%8G%7#6
9%2)%)%09%1%5#01%/$0%0././6
/400%A/././!5%/09#0I
D% 5%R!%TG%S
D% >-105%R!%TG%>S
D% >-15%R!%TG%>S
D% ;!-05%R!%TG%;>S
%*%-#%*%
51% 40% 9930./% 1% % 9$% -% ;6
0%#./%9%9/1%40%./%3./)