0000930413-16-006415.txt : 20160414 0000930413-16-006415.hdr.sgml : 20160414 20160414083634 ACCESSION NUMBER: 0000930413-16-006415 CONFORMED SUBMISSION TYPE: 497 PUBLIC DOCUMENT COUNT: 2 FILED AS OF DATE: 20160414 DATE AS OF CHANGE: 20160414 EFFECTIVENESS DATE: 20160414 FILER: COMPANY DATA: COMPANY CONFORMED NAME: COLLEGE RETIREMENT EQUITIES FUND CENTRAL INDEX KEY: 0000777535 IRS NUMBER: 136022042 STATE OF INCORPORATION: NY FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 497 SEC ACT: 1933 Act SEC FILE NUMBER: 033-00480 FILM NUMBER: 161570511 BUSINESS ADDRESS: STREET 1: 730 THIRD AVE CITY: NEW YORK STATE: NY ZIP: 10017 BUSINESS PHONE: 2129164905 MAIL ADDRESS: STREET 1: 730 THIRD AVE CITY: NEW YORK STATE: NY ZIP: 10017 0000777535 S000005087 Money Market Account C000154494 Class R1 QCMMRX C000154495 Class R2 QCMMPX C000154496 Class R3 QCMMIX 497 1 c84477_497.htm

 

COLLEGE RETIREMENT EQUITIES FUND (CREF)

 

SUPPLEMENT NO. 3

dated April 14, 2016 to the Prospectus dated April 24, 2015

 

CREF Money Market Account

 

Effective immediately, the following is hereby added prior to the first sentence in the “Principal Investment Risks” section on page 37 of the Prospectus:

 

“You could lose money by investing in the Money Market Account. Because the accumulation unit value of the Account will fluctuate, the value of your investment may increase or decrease. An investment in the Account is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Account’s sponsor has no legal obligation to provide support to the Account, and you should not expect that the sponsor will provide financial support to the Account at any time.”

 

Effective immediately, the final two paragraphs in the “Principal Investment Risks” section on page 37 of the Prospectus are hereby deleted.

 

A15415 (4/16)

 
GRAPHIC 2 x1_c84477a001.jpg GRAPHIC begin 644 x1_c84477a001.jpg M_]C_X 02D9)1@ ! 0 0 ! #_VP!# $! 0$! 0$! 0$! 0$! 0$! 0$! M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_ MVP!# 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_P 1" !@ .D# 2( A$! Q$!_\0 M'P 04! 0$! 0$ $" P0%!@<("0H+_\0 M1 @$# P($ P4% M! 0 %] 0(# 01!1(A,4$&$U%A!R)Q%#*!D:$((T*QP152T? D,V)R@@D* M%A<8&1HE)B7J#A(6&AXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7& MQ\C)RM+3U-76U]C9VN'BX^3EYN?HZ>KQ\O/T]?;W^/GZ_\0 'P$ P$! 0$! M 0$! 0 $" P0%!@<("0H+_\0 M1$ @$"! 0#! <%! 0 0)W $" M Q$$!2$Q!A)!40=A<1,B,H$(%$*1H;'!"2,S4O 58G+1"A8D-.$E\1<8&1HF M)R@I*C4V-S@Y.D-$149'2$E*4U155E=865IC9&5F9VAI:G-T=79W>'EZ@H.$ MA8:'B(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4 MU=;7V-G:XN/DY>;GZ.GJ\O/T]?;W^/GZ_]H # ,! (1 Q$ /P#^_BDR/4=N MX[]/S[>M-+*4WAE9"NX-N!1E(R#NZ%2",'."#7PS^W7^W/\ "C]@OX)ZS\7/ MB1;ZAXFUQK?4+;X./BIXL@M!)8^%_"D%X?+MEGO9+2TO\ 6-1@ M?3M+2ZCN9@P9(Y@#[E=UV\%6) V@L/F!!/?J-H+9Y& 3T!KY;\>?M>_L\_#G M5FT;Q#\2+&ZU>SD=+K3]"M;[Q+<6X&5:"=M @>"V>-P"ZW6\KMVD;B"/C+]K MCXX?&3X9_!#X1_";Q9KVBQ_'GXD^$AJOQAU_P!]JTSP]X?GMHTN?%^C> I-1 M/]MP>&;_ ,1WMWX3\'ZEJ+OKJ^%-+^VZC%_LR?\ 0U:[_P"$;XE_^5]=G\/OVQ_@5\5?%^E>"/!_B'4[SQ%JWVDV%K=^ M'-7TZ*5;:$S7 ,U_;01$"%68JCEP 3C'-?SD/_#]3_Z ]?7/[#7_ "=%\/O^ MO?Q)_P"F60_SH _HDC(!(.-K8*':$ 4MM6/K\Q#'(.!]\=SS-5.96*VY5"X1 MD9E!4;U.R,HQ92,*)/M"@,K&6WC"Y/3^?OXS?\',W_!*']GCXQ?%CX$?$SXI M_$_3/B/\&OB1XV^%GC[3K/X/^)M0LK/QEX \2ZIX7\30V.H1-Y-_8#6=,O/L M%[ ?(NK3R;B']U*E ']"%%?S3?\ $65_P1K_ .BP_%?_ ,,IXI_^*H_XBRO^ M"-?_ $6'XK_^&4\4_P#Q5 ']+-%?S3?\197_ 1K_P"BP_%?_P ,IXI_^*H_ MXBRO^"-?_18?BO\ ^&4\4_\ Q5 ']*Y= <%E!XX+ 'GIQG//;U[4ZOS>_9W_ M ."H?[(O[5'[(/Q*_;M^$GB7Q;J7[/7PBE^(0\8^(-6\'7^AZZC?##0[/Q#X MK-GX=NYC?7R6VFW]K+I^/)%U([+#GAC^8B_\'9G_ 1KV!O^%P?%D_(&P?@E MXI#\C."F00W8KCKQ0!_2V"#P"">O!'3.,_GQ]:6O&O@7\;/ G[1/P=^&7QY^ M&-YJ.I?#SXN>"M$^(7@F^U'2Y]*O[SPQXCM(;[2IKS3YT%Q93SV]Q'_&7_@YE_8/^!O[>4G[!GBOPU\29O$&F?&/PA\$O$GQ>M+GP='\*/" M?B+Q/K6E:'>:QKNI:EK]I=67AWPKV*@ _I$) ZD# MD#DXY)P!]2> .YI:SX721E9BI9BK#:K@2 2%.8I29(I;>0!)E8!X9,!PA.T: M% !1110 ?UZ4T.A) =21C(# D;LXSSQG!QZX..E073A$5B<;3(01_K!BWF), M6?E\P*&(W_+MW9P<&OYSOVQ/^#DS]B3]BO\ ;=U']B'XD^#_ (H:[XRT#Q%\ M//#/C?X@^'F\*VGP^\&ZE\04TJZ1/$%WKVL:96KAG5K6>-U>"0._G*?-5FB>-CJ4 %%%% 'Q7^VK^VK\*?V(/@]>?%; MXH/+J-]=22Z3X \"Z9((O%'Q$\7/:7$T'AW07(9+&.*.(3ZKKQMY[*UT[S;A M(I76""?^$CXG_M&_%?\ ;1_:T^&WQ8^/.L1ZIJWB?XW_ 9T#2_!]F]W#X+^ M'G@:^^*WANVC\!>"M+-SO@&I(Y*D?%_P@.!Z M@D>V>] ']L7[?_P?^+WCWXYZ/K?@;X>>+_%FA0?"WP_H[:AHEO+C?]]C_"@#^8MOV9OVA-I ^"?Q#/3@:! M!Z@_\\^W7\*Y/Q7\'_BE\/;"#6/'/P[\4^$-+N;N/3[;4->TV&PMKB^F1I(; M.%PJ/+/+&K2)&F?D7>0!@U_4^P?:/QZCTK\WO^"F!/_"D?"(;@_P#" MR]!'4=1I]]U &,C)'';GO0!^(+,#C!!_BX]&23:?H<''K@^E?77[#7_)T7P^ M_P"O?Q)_Z99*^08U+8P,XB@)_P"^;@?S(%?7G[#3+_PU%\/CD8^S^(Q^+:+( M!^9_QZ4 ?T03)E8'VY*",!A%'(ZYFMF)7S& 0 (6=@#L"^;PT:!O\DG_ (*@ M?\$C_P#@IE\5_P#@I)^WO\3/AW^PY^T=XS\ ^/?VOOVA/%_@KQ;H7PZU:XT3 MQ/X5\0_%+Q/JN@^(=%O%M#%J&CZSIEW;7^FZA!F"\M9DFCDE#%Z_UNRGF)&0 M> N"5^^/N_<(Z001C !9P2W7NJ@\<=>>3[T ?XKR?\$3/^"M$C+% M'_P3X_:@!D.P"3X;ZMM#MD*VTVR$MV4("[$$#/2OS>\?^!O%WPP\;^+/AO\ M$#P_JGA+QWX"\1:SX/\ &GA77+)M-UKPUXI\.ZC6L M3QIJ$,5Q!,]N[QOY0*_K=42DOC0-5^$VA6^F:M]@U&*%GL+^33 MKU;._A1[>[^SRK#(9(G1?\SP]#_P#_T'G]:_W ?^"H0V_P#!.3]NDN=P/[*7 MQTRH49+'X>:V$);@M@C R.@([<_X?QZ'_@'_ *": /\ ;._X(_\ _*++_@GW M_P!FF_!C_P!0;3Z_2BOS7_X(_P#_ "BR_P""??\ V:;\&/\ U!M/K])]R\Y( M&,9SP!GD^%;&_O+.T M?7?B!JTEUX?\ ^'[-+ZXMH[R[UKQ;+/$6L2S3&XN_$&OZE=:MJ%X[W$[R,+J]N7!8R ME;6/:1NP-W]UW_!YW^W;=2ZI\!O^"=_@S7I%@M;0?M _'2UL[BY1KZZOFNM% M^$?A:_CMYTBFM(3!XC\7OI-Y#((IE\)ZP"9(X@?X)%LKMDCE^SS+!)<-:I<- M&RVYN46.22#SR!%YL4_?'&Z.X56!H _P!EC_@@W^W6?^"@7_!,W]G? MXM:WK"ZO\6/!'A^W^"?QR6XODO=5D^)/PM@L- G\4:PQNKJZBU'XA^%T\/?$ M6870M_/E\32M;01P1AF_9:O\S#_@SP_;T3X&_MD?$7]BGQOK(L? /[6V@0^( M_A\EY-'%9Z=\H6%HGG7-M;VS^/?AY^ M'_"'ARPDFWZOKFO:=I$$8EA86]_=W%MHNF1E+'1=,@M--A6. M&WCC']^/_!Y[^W)_PBOPK^ W_!/SP7JWDZO\6=37X^?&F*SE\J8^ / USJ.E M?#7PUJ2QW)+VWB'QJ=>\4RV]U:J_G^"=!N594VA_\\!HKE_-O6MI1;B9E>0H MX@6:/\ P3+^%^H>,-=_ MM7XR_L]W)_9\^+4ET\G]I:A?^#;2S7P/XJU W,\UQ>&]1U2]C"6+ M^(QK>GV*@:?(J_OFKH^=C*V"0=I!P0S( MA<=J +5%%% '\&__ 7._P"4FOQA_P"R7_ O_P!1/4:_,WX5_P#)9/@A_P!E M^^ O_JY/!U?IE_P7.X_X*:_&'_LE_P "_P#U$]1K\S/A4RGXS? ] 1O;X_? M/;'_ !MN^,G@[!"]P!R3T YH _T\O^7C\(__ &[JS50,#.&!&TJA)R/E($K% M7_NL5GB(!Y8$D<*35G>G]Y?^^A_C0 ZOS8_X*9?\D3\(_P#93=#_ /3=?5^D M;RQHC.S#:BEFP03@=< 'GZ=Z_-C_ (*;2Q0_!'PJ\LD<2Q_$[0U)D=4#-]@O M4")N(W,S, JCD\^E 'XC6Y ))( \BV') Y)E"J,D99V(2-!EY)&6.-6=E4_8 M'[!UI/7!V,!;11Z6\,AN2P'V>9'95-K-Y=USDP]*^/ M;.*74+FVL-.AFU._NWM+2UT_3()-1O9;N64VT8CM+199C/:RW,5];@(2TUM& M ">#^X'[!/[-&O?##3-7^)GQ!LI+'QGXMLXM/T?PY^&/#1=);F;5Y(M MZ/X@URYBBO;N,L)["$BRF4.65 #](HV4KM7D(%!."!EE##&<9R&!XXYQU! D MIJJ%) PH]R0-O)ZGY0HY]*=0!'_P M?^V?_LU?XAW_ 5C_P"4HG_!17_L M]W]J+_U=/C.O]O'_ ):_]L__ &:O\0[_ (*Q_P#*43_@HK_V>[^U%_ZNGQG0 M!_H)?\&:_P#RB^\<_P#9S?CC_P!,'ABOZX5Z'_>?_P!#:OY'O^#-?_E%]XY_ M[.;\A_P" ?^@FO]P/_@J+_P HY/VZ/^S4OC?_ .J_U^O\/P]#_P _P#030!_ MMG?\$?\ _E%E_P $^O\ LTWX,?\ J#:?7W?XR\=^#OA_X/\ %_C[QSKMAX9\ M#?#_ ,/^(/%OC'Q'K4ALM*\.^%O">EW.M^)_$FL7$Z*+;1]$T6SN]3NKUQY# M6,/G0/,)(?,^$/\ @C__ ,HLO^"??_9IOP8_]0;3Z_&7_@[>_;VN/V7?^">U MK^R]X)U9+#XG_MQ>)+KP!?RV\UU#>Z#\!O!1T_7OBYJ5M<6D\:6\OBV\N_!O MPQFT[5X9=.UGPAXQ^(*VLD=SHT;Q '^<[_P4(_:Z\4_MY?MG?M%_M:^*DO;9 M_BY\2-8U[P[I=S/)9%DGMHW\+^"=,T329S%)%'^//^#8#XF>.8_!\MW^U+XQUB?\ ;X^'=@8GAUUO#_PX MTF_T@^!-.M;+0-:\1WD_C#X%1^,K[1O!.G?8O^$G^([^!DOI+6.V>9?XE? - M[X(M/'G@^_\ B18Z[J_@&P\3>'[KQGIV@26S^(M5\,6>HPRZYI^B2:G+9Z?! M=7^G)-:VQO7"032QNS%$>O\ 1%\)?\'F/_!.WP/X3\,> O#'[&_[6%EX1\'> M'='\)>'=),GP<:"TT+0M-BT73K1H6^(+K(%TN/[/,'>19'_C-\.O#O MC9$LGN)8-,U?4[-6\0Z$)KD+)Y6AZVE_H\,*/@K MXW_:!^-/B_\ 9U\/>+/!OP*\6?$CQ;XG^$W@?QNFE)XJ\&>$O$.LW&L:5X5U M1="O]6T<)X;BU*;1[.;3]1G2ZLM,M)[H_:9F8?WZ_P#!F7^W/%XZ^!?QI_8- M\8:QYWB7X*:V?BS\+;6XN=\ES\/?&=S]C\5:;81R#=)%X>\6+%=RI$VV"+Q# M RKMER0#^WYF"C)#$%E7Y59SEF"C(0,0H)!9B-J+EG*J"1B>(->T3P[HNJ>( M=?UG2=#\/Z!8WNM^(-RTW3M+LX)KW4;^ M]GBM;.R@N;BX=8HW8:;W"']W^QO_ ,$T_%WP\\':Y)I?Q5_:YU"X^"'AN2PNKBSO],\!W5G)>?%# M5K&>SR\9N?#!7PS,+P?8;RS\0ZC:B6.Z2)9 #_.(_P""L?[:^K?\%!_^"@G[ M2'[4-W/=2>$O%/CBY\._#&QFGMY!H_PC\%A_#7@#2UF@E>VAGO/#6EKJ]X;4 MF*_UC4M3O(5!OC_ /M(W5U\;?V? M=6NU1M0MM _9[O-6'AFSM)K6QUC4[>P^(VH:;XTL[C2[6TM=5U99]!>6$V$M MF\_\1NFW.G1WEG%JS74FCFX@BU0::J?VA-ISW-L+Q(&FEMHYI8K>W^VZ;%=N MUK%J$=NLJ"(S$?Z(/P?_ .#PG_@FW\"/AC\-/@W\-OV-?VMM)^'_ ,(? OA; MX:>!;":X^#$]W9^$?!6B6?A[05NKD>.5EFU&73[&&359_.)O+V2YN9IIY)G8 M@'^?/X,\7^-_A%X^\,>/?!FMZMX$^)?PW\6Z%XL\'>(-.E_LWQ-X-\<>#->L M_$7A_7[.Y:6*;3O$'ASQ)IEA)%-.M7\<>$OAYX]ATBW\0>#U\4O_:.O^%_,T/7_$VGS:9::I>: MG#I&H'5IKZXTY;:2]C@N]RU_9[_P9=?MTP1Q_M _\$^/&>LLTCW3?M _!2QN M9I/WLIL[7P]\4]!TY74\RV=KX:\10VF^*-!9ZO=*C2RRL #^_P##!NAZ=000 M1]0<$9ZC(&1R.*6JUJS,AW*%((!([D#&.F?D&$YR>.N,59H _@V_X+G%?^'F MGQ=^929/AA\"@$ =FR?#6JP ,%5L;WA8+@DE64XR<#\9_$GQR\%_LV#P=\9O M'DEQ?:1X"^(O@?QC:^&=-O+>Q\1^.]7\#^,M(\5-X"T"\N+6_.E7%_'I:Z?J MWB.YTJ_TWPDM['=ZA:7MU]DT>_\ U6_X.'/BEX+^#_[?_P 9_&WC>^OK'0X/ MA9\$1;6-B!;:UXJUB/0/$*9%M(EB?3_#GA[3I98M'\*:&L?D6^EZ5$3EW>'']K:A<* MUYKMT]S?:B\EQ-";4 _O"/\ P?#_ R5FV?\$Z?'9!'%+!5C2-V ^ M"CX-[.#3/&'_!,?Q'X MET^VNUU""SUG]HCPO?VT=["C"*X6"?X)"(2QJ2J28WJ"<$DX/^?FBEV"CODD MX) 5069B%!;"J"QP"< X!K]#?^";G_!-']I?_@IM^T)X:^!_P"\,2IID][#+ M\1?BSK.F7EQ\._A/X162(ZMXF\4W\,?E3W,5I(R:%X;M[B+5_$&KO;6%D;4& MXO[( _N<_88_X+Z?&/\ X*5?&73/V>_^"-_%FC^!/ WPU\0:KK-Q)%;0^!/#5KXTTQ_&&M Z>._' MVL1VEJ]SJ1FA>#2=(MTAT+P[HLMOH^A6.G6-J()OO>*)XSDR,X(.X-\S-(S! MMVXXVJHRB1J H4YZT 3T444 1_\ +7_MG_[-7^(=_P %8_\ E*)_P45_[/=_ M:B_]73XSK_;O9@LJY_B4*>0 ,M@'+$9RVU-JY;#E2Q*D8)X8$$=\'D Y /@_\ MX*B_\HY/VZ/^S4OC?_ZK_7Z_P_#T/_ /_037^X#_ ,%1&!_X)S?MT+D*W_#* M7QPX8'[H\ :\ _&_MTS?MP_P#! M3[XQ:AH.N'5?A5^S^6^ ?PLC@N'N-..G>#;JYB\6:K81K,T07Q1XSO=7NKB9 M6$DEO!;C:%A2,_V^^*_VY++_ ()^_P#!LY\ _CI;:@1\0K[]BCX,?"_X01.& M,MY\2_B+X!M=!\-7D45JZW,4?AQ+G5=6%SY;+&VC1RW430,LU?Y97ASPWXP^ M*7CCP]X5\/V>J>+?'_Q'\5:;X?T'2K6)[S6O$WBOQEK<6FZ/:6P17FO=3UGQ M'J$$"1KOFGGNXEC+L[J@!^T__!-O_@WE_;J_X*B_ ?5?VCO@-XA^!7@[X:6' MC[7/AUIMQ\8_%_C3PYJOB'6?#UCHU[JUYHEGX=^&_BZVO-$MY-;ATP:A)?6T MK:O8ZI9BS'V3S)/T(_X@P?\ @J<.?^%K_L6G')'_ LSXK\@=1_R0X=?J/J. MM?Z%?_!.W]D'P[^P?^Q9^SM^RCH$=G/N#ZX/!Q0! M_D*?\% _^#;;]OS_ ()Q?LV>(/VJ?C)XG_9W\:_#3PEX@\,>'O%>UN+VW)M)+?SYX/C# M_@C[^W+=?\$[O^"A?[._[2,M_/'X"L?%D'@'XSVL-Q-:VVH_!CQ\\7ASQW)< MK%;375W_ ,(W:W-GX[TRQ18?M^L^%-,M)YH(YI73_8Z_:9_9[\'?M2_L_?&? M]G/XD62:CX%^-/P]\7_#WQ!"+N[M)$L?$^B7.EP7L+6*Q2V]YI5Q/;W-C/%( M9;.XTZTU*VD2^4&/_$$_:,^!_C7]F[X[_%OX ?$BU^R>//@UX_\ $_@;Q*UR MLT?VVZT'5+BU76;>VEGNP]MJ]HD&O1Q2.TKV=]&'5V\PJ ?[KUE=65_!8ZCI MDL%[:7]O%=VM[:R)/;W^GWB_;K>ZM9(B\+6][YIN([E7$=R808S)"XD7_*)_ MX.H/VY5_:V_X*6^*/A=X5UA]1^%W[)6E#X.>'XK=Q_9]SXW,T6I?$>_M%MKF MY@NW&LM'H:W,BP3K_8\T#Q1[ I_IC_X)G?\ !;+1OA[_ ,&Y?Q$_:/\ B)JT M6N_'7]@OPG)^RV-"U>XU ZAXO\7HFF:#^RDFHM:23:K<:7JND>,/"^A:WKD0 M\QU\(^-]8O#Y>CW,\?\ FX:K=>,_B3XYO=0O7UKQG\0/'7B>ZO+J6&"76/$/ MBKQEXGUF2[NY(5LXS<:MKFN^(=2D,=O:QSW-Y?7J6MNEQ*\*. ?L+_P3(_X( M&_ML_P#!5SX8?$#XP_L]:W\%/"'@7X>^.5^'=UJ?Q@\3^-/#3:]XBCT>RUN^ MC\,1^&_AUXPMM3L],LM3T]=1O)KVR:WNKF.V6WF+.\/Z6_\ $&#_ ,%3_P#H MK'[%O_AR_BO_ /.-K^^'_@D)^Q59_P#!/O\ X)Z?LU_LQO96$'C'PQX$M/$_ MQ;O=.EFN;;5OC#X\">+/B%=Q7ES:V-U>6=IKVJW&A://-_AO\+'\,2^, MM+^%7C?QQKWC#3])\3^*='\'6^O0Z'XA^%_A:UO]*TW6O$.D+K4MMJINM*T^ MYFUB:U;3+#4;JS_,3_@FM^U[KW[ O[<7[/G[46D2O+8_#'Q[I4_C?3[6Z60: MY\.]6*Z7X[T@BP^US7462XMHXQM=2J_[6OQH^%'@GX[?"?XE M_!3XE:5-KOPY^+WP]\;_ N\>Z);7NH:;<:QX,^(GAK4O!?BS2X-1TN]L;_3 MYM2\.:[JMC#?VDT=QI\UQ'?P3P36T;'_ ! OVS?V9/B!^Q1^U+\=/V3_ (HQ MVTGC'X&?$'6? %UJEI9W%KIWBG0[)(;GPAXYTG3[N\N6M-#^(_A6]TCQ_HJ3 M%=3M[+Q#;27(M[II+:, _P!R+P1XKT/QWX2\->./"]X^H^&?&?A[0O%GAO4' MM[BU-[H'B/2;36=&NOL]U'%/";C3[VWE:.9%GC9F2=(Y5=!U5?RL_P#!I7^W M>G[3O_!.F/\ 9Y\4:LM[\3/V-]?@^'+6TAL(;FX^$WB!;C5_AIJ,=M::;I_^ MC:9"FL^%)[B\N=4U.]O?#UQ>3W1CNK6%/ZBO[<'_ $"]8_\ %__ (J@#\R? MVK_^"+G_ 3J_;>^+=U\AZ'X;DU^]\6^+],CCT7P[9M9Z M78VVF:5K%IIUM'$DDS.88%=Y'\QV9^1\W?\ $,__ ,$7/^C.=$_\+KXB_P#S M45^YYU6%07=#%$A/G/.PB$:_($)=QY*2N9$;[)<36]\L9#M:AOW=,@U430&? MR0P4,AI%C1%=BS;O+:1_* M59WA!F"P%XF<13;=Z"+SH98?.^42%1>H[M&@7>A DC>11,@8C8S01B695=-S MJ9$0A5+.%3+J ?AE9_\ !M5_P1CL+NUOK;]CCPZT]G/%!OA)X#M+A M[J/PUX%T&VT/3Y[AVRUWJ'D%KC4[X@*C7VHW%U3F+8Q>8.45&&2J 3QPB8 MLHVD0-(\4W[J9(_OT 6HXBC[]WW@Y<*6X23]ZL1G1XHTC46(O&-W(\.WR;>>Y2:*X\UVC*JI0 DB5' MW':C'8@/F@()$WF:.%@63",K!J +-%5KJ>2!$:*$W#/+'&8U8JRK*ZQ"7A'S M'%))&]RW!BM1/.HE>)8)84OA+&KI& [DJD,DJ!U<*KE9FC\V)0$82YADN/,@ M*SPB6-@U %F6(2[)/B%\5/''BKXB^.->F\:>.K5]:\7>-=;O?$?B/5'M+' M7[2TMVO]8U&]NC%!"J*92>I./V>:]D_@BA=@LV4:X:&3?&T2KM6>WB#1CS"] MS(2#"GEF*.Z:95 =00M(D:>;-$P1[=9(S6V#3Q+=&W+ QJV MTO\ * ?+'[('[#O[-7[!GPTO_A!^RM\.K7X8?#W4_$][XQO=!MM4U?6!+XAU M&*UM[V^-YK=[?WI$UM:0PB%K@Q1*BB%44;:^LH8Q#%'$.D:*B]?NJ-JYSSG: M!GWS50WP527105$FXQM+*H:-0P"[8!+(CC)#QQ-A8Y6VE8F(>]ZJR&)%25]H MVJEQ;AS(O,R%)9(W"Q+);.7 ;'Q M!X#^(_AG5_!_C#0YII[=-6\.Z_92Z?JU@]Q;ND\0N;65XM\3HRAF((."/Q83 M_@V:_P""+JQ+&W['ND.0,&1O'GQ#,C'')9E\3(,_[J*/0"OW=:Y;RR\<:DJQ MW"1Y(U$:',A^6"642K'EQ"\*%V^3<%(D+?MH+*?*9;T$,T:.Q19),*SR)=;ADH$.$)0RHSC>S1A"8R\) ME,RF,(DS*>K.I(6@"0Q..49 WWBNS:K2$C+N4PS'&>#WP3FIZH"]9L[(EDS@ MQM'<1,CAEC,8W':RM.79H#L:%X4#O-'(XA""_P!Q98X&E= I;RY[:1?F*[5' MES/(K2J7,#2Q10NR;99H%8/0!=D4LC*" 64CGISQ[]O8_0U^1O[1W_!"S_@E M_P#M9?&3Q?\ 'WX\?LQ:!XS^*WCQM,E\5^*$\1^*]$;5KK2K&/3;>]GT[1=7 MLM.:]GLX8(KRZ-N9K@P0LS!D!'ZT07T=U''-; 2Q3 O%*KJT4\+([PW-O+'Y MB36UP%5H95.'C=9 ,$ U1J\)E6',)E>&:5(X[E)6)MG1+EF:-6ABMX2X_>32 MQW#E952T+1D$ _%>Q_X-U/\ @DCIG@SQ'\/-/_9B^Q^!O&'B'P9XK\5>$;;X MD?$:WT+7_$'P]L_&-AX-U35;2'Q$@O;K0K7Q_P",(;-YB2BZ[=!BPAM!!=^& MW_!N_P#\$C/A%\0_ GQ5\ _LFZ#I/CGX:>+M$\=>#M6N/%OC748],\3^&[]- M5T'4GL-0URZL;E])U2"UU&S2>WD5+RTM9SEX$(_:1KT8!14;=)L1C/&J?,I: M)G8;F"S8+Q^4DQ%MBX<*"4"QW4CDAXD3+-Y8$DH=D4^7O>.:V@D4-,&12BRQ MF/9.)-DBB@"2*&1)#))('8J5R!M ^YG"CC#%#(0<[)'DV$*["K-02S^4-S@ M %F^9B54(TC$*J,TA"QRX6,,Y*KA<,2E?[>OFB#RP) ?FS/"'_B'\5=;T/P]X;U+Q2/$'BO0)M2TKPM:S66B2:A9 M:#K&GV,^I6=A/'I OFA:632-*T6S=BMDM?J:U\ZEB;:78GFL[*LSMLA7YT1( MX'\RZ,K1I% C%)XV>2"XE>)X@&_"Q"5T4C:I+12%X=QV[\7$D<,0B7>K1RRF M(S1YD2/8 2 ?G1^QM_P23_82_P""?_CGQ/\ $+]DOX+Q?"KQ'XU\-V_A/Q9/ M:^*_%FL6FL:-9Z@VJV7G:=K>K:A:)?V5\2;6]C1)8K>>ZA'$M?H]]EC_ +TO M_?U_\:@%]D+M2-V/&V.9I"Q:6.))(E6'S)+56DW7%R8T6&-3(BS1G<+V]/[R M_P#?0_QH _G5^*'P_P!+_P""@7_!3G]KS]GW]ISQ'\6_^&4_V#O@#\ -=\'_ M ++?@#QAXO\ OA7X_\ B+XS:!XH\8^)?BG\1+/X=:[X=U_XC^&M&_X1Q/AM MX*\"WEU_8EYKVC:Q./&'@'XX/\ '_X?>+OAB_Q#\9?#^T\+P?#-_BAXDO?$OA7P;K6A M:5?%/#GAS6(-%<7U_&]@]KJD\$W]#O[4/_!/+X>_M$_%7P/^T-X.^*WQD_9F M_:<^'>A7GA'1OCM\!?$>F:)XFUWP)>3M?-\//B-H/B31?$G@WXC>!H=7":O9 MZ!XJT'4(].U SW.G2VKW=PTGSE>?\$7_ ()>-O@Q^V;\,/CC\GW/BE_#?[1&G>+/%-[X(^)7A7XA-9W/A2+PM= M>&;/1],GUJP32+&);>*VG_3'PC_P3>T%_"WQJ^'W[1/[3'[37[97PN^.G@:_ M\#>*_AE^TAXM\*^(/"&EVFI:E_:%UJ_A.R\*^#O"5SH&MQK%9VNFW=I=A-'% MC;7FE16FH[[M_GN3_@C!X+\8Z)X%^%'QU_;&_;,_:)_97^&^L:%JGAW]EWXI M_$71)O >NV_A6\MK[PQX7^+'B70_"NB_$7XP^"] ?3])CLO#?Q!\5ZSI]Q;: M;!;7Z7J2W/V@ _'/]M;5OCI^V?\ M<>#[GP=^S]^T!\4?B%\2?\ @@7X0^/_ M (8^!7@;]J?QQ^S'>_ SXZ^,OC7XPDT?XAS0V'C/P79^(O&/A74M8F\'#3K/ M0]>UN;[)IVD:KHUUHD]NUO\ :WQ,_P""D5KX2_X(+_!7XO:[\8G3XV?&[X=? M#O\ 8\UGXE?$Y4\ ^(_#O[1>LW/_ H[XY^(/'EMJMU'/HFO_"_5-!\?Z_K5 M]?36\UZ="M_$%M*B:A;Y_2+]I[_@F'X6_:,_:,T?]J/PY^T]^U1^S-\5=+_9 M]E_9FN=2_9P\=^'/ \&K_"X_$&]^)-I87G]I>#]?NK>_T[Q!?S?8[W3+JQ9( M(K0NCW-I#.L_P_\ ^"3?[*'PYLOV1_#FDZ;XJUGX??L::5\2!\-?AQXPUBV\ M6^$_$WC?XJM/)XP^*GQ.@U[3KV^\\MM5U2]-K8WFK7,]K8Q-% M:"W /RB_82_:TMOB;_P1:_X*$? :W^.^B_&GXJ?\$\/@G^UK^S=J/QM^'7BK M=<_%#X?>$?@SXSUS]G/XZZ!K&F^(=7\26T?C?X=S6]K9>)FU>#4G^('@/QQ/ M:7#2V/G5^T/_ 3*UG5M5_X)P?\ !/7Q#X@U;5-?UG7_ -AK]DG4=>UW6M4O M=6U35-5OO@+X#O+W6=5U#4KBZOK_ %/4[VYNKO4=1NY9;S4+F5KB\N)IR7;% M\8?\$T?V=_$GQ0^/OQ.\/IX@^&!_:8_8ZU?]B_XP>!OA@OASPA\/O%/@B^O_ M !=C:)X$T"]\SPKHFG66GZ1*-2&(;=?M2W#%F(!I?\%7_VS(OV%OV# M_CM\?;+6=$T/X@0:!;_#GX-W.O7]GIND1?&GXIZA;> OAUJ>KWNI8L8/#GA7 M7]=M?&7BJXNO]%M/#'A[6+VZ:.*V+5^5_P#P1S^-'B7XF_L:?ME_\$WOA?\ MM9^$OC=\=?V&+[Q7\)O@K^UMX>\22^+]$\??";XS^#[_ .(7[.WQ,G\0-?:@ MEUK/@+4];\1?"7Q;I.A7E_#X2B\!>&[>:_N[N\1A^X/[0'['7PN_:9^)'[-? MCSXLW.N>(-$_9C\>>+OBCX5^%?X9>,/B'XA\&:AX$\/^*_B#X?OM)O)? M$%]\.M$U[Q1)X*@2]L[&SU+Q)?ZAJ%MJ-Q!I[6GF'BW_ ()Q_ ;5_CU>?M$^ M!;CQ9\#O'VN?LW>./V8?%K_ VXT+X<67BSP-XJ\0V'BS0-=U;^Q=#ANH_''P MS\1VU[JOP_\ $NGW-G=:9)K&I6]\NH6;6\$ !^0__!+>WT?X&_%O5_V/?B_\ M%/VB/V5?^"E.K?LNZ_=0?$CXI?'[XG_M(? ?]IRW\%WO]C^(_C]\.=2UWQSK M7@W5O$6C>+M9T'5]=T'5/#'A?Q/I^@WT.F00-HUI:ROQ_P#P36TVV_9.^-/@ M+]F#]L_X'?M,?"'_ (*">+_@E\>=#TC]I'Q/^TQ\1_CG^S_^WEJ?A;2]'\?_ M !4\:^$;K4?&=WI>C^+]!T:70_$]EX8U;P+X8U+P%9:AJOA?P[J&JV^ERR+^ MK/P5_P""5/@'X9_%G5_CM\1?VE?VL_VE?B__ ,*.\2?L\^ O'OQS^*5EJVM_ M"/X=^,KB"[\6R_#I_"OA[PO!IWC+Q#=6.D7.H>.=1BU3Q*USI%K-'?H[3&2' MX,?\$IO WP[^-W@+]H#XJ_M._M:_M7_$;X-_#WXB?#;X':E^T?\ $S2O%D/P MBTOXL6%GI'Q$\1^%(]"\,>&Y+SQYXMT"T3P[J_C7Q'+K.MW6BK!8/-LL;)K< M _%/_@B'\'O WQT\'_#KQM\4OV9?V]V\9:CX)_:"?4_VPOB)^T[\8-4_9V^( M1OO&OC/P*T7A+PO)\<;Z?2;JY\+WUQIFA7<7@C1+C3I='O[QI8KL03'Z(^#' M_!-G]F*[_P""HG[6?P!N[O\ ::N_A=\$?V8OV)/BW\-_"=W^VA^UC>V/A[QW M\1/'7[1=EX\UEI;CXOO-K$7B"S^&7@*&XT?79]7T>"/P\T>F6=E;WMQ;K^AO M[+G_ 2>LOV2=5^'UM\-?VWOVV+[X4_#CQ)X@U_1O@)XE^(?@F_^$EQ:^)-4 MUO6M1\-WNB6OP^L=2/A]M6UV\U!;2WU:"5KD^9).YEG\W[4\&_LM>!?!/[57 MQM_:XTW6/$]S\0?CM\*/@E\(O%.B7MUI[>$]-T/X&:K\3]6\.ZEH=G#IT.HP M:MK,GQ1U.#73>:G>V#0Z1I3:;9:?,^I2WX!YY_P4.\7ZK\./V!_VRO&.AWUY MINM>%OV7_C?J6AZEI]UMZC\0+F[N+W4[EO@?\5M7 MG7[59PQ7'])/[2?[/WA3]J'X$?%7]GWQYJWB#2_!OQ=\):AX,\2WWAFYL['7 M;?1]3D@:[73;JZLKZVBEEBA-L[7%I<(UO-*C(20R^$ZY_P $YOV9O$/[6?[- MW[9^J^&;^X^,O[+OP>U_X-?#NY_M!H]#O-)OK-M(\)^(_%&E1HD6M^*/ACX? M\0_%C0_A_>3,MIHUM\:?']W+97>IGPW>Z ?CC^P_P#M>>+?V#_^"#?Q@^,_ M[1OQ&NO'GQH_9@\??M?_ N\2^+_ !CXOU+6Y?'7QR\,_'SQSX)\+VMEJOBB M_:^O=-U7Q%=Z1)IEA8F.*U\/0R-96$"6[0+T?_! +]J*;Q5\-_VD/V+_ !7^ MTUX)_:G^(?[-.I^'_B?:?&;P'XPD\;67BOX>?M+>&[SXA)I,6I/<7-P^N_"W MXD7'BKX<:GIHGNIM/CT?2)9OL8UO3+0_HDO_ 29_9YEL] \/:IXJ^*&O?#_ M $7]N7QI^WQ??#+7=8T#5? 7BSXI^,(;F>/P?XNT*\\.2Q:Y\,_#/B:[G\;> M'O#ER_VF#Q6XU*\U*\VK$/<;W]@OX%0?M2_"S]KCP-IT_P *?B3\-_A=\4_@ MMJ^F_#33O#7ACPC\4_AE\4+C0M9D\+_$G1+70F35X/!_C#PYI?C3PE=Z?-I= M_:Z]%(-1N=2TV3["H!_,=_P2\_;%_:._8[_83_9BU+]L3XB>,?BW^Q3^VY\, MO'%O\)_VJ/&>M>([SQ;^R9\?]=U;Q[H.F_!KXV>--;UO4M4NO@]\09M+TZ;X M._%'[7IZ^'/$,JZ%J-I9:7)8:K#],3?MK^)?V8O^#=;X"^*F^*EOHGQ\_:1\ M,^'OV5/@]\2/B[X_\0M:Z'\5/C_\0==\!O\ %3Q+\1=7NM?U2PTCX.>!YO%? MQ8N=?U.ZGT^"'P/:V\DYBU.U\S]RO@Y_P3U_9T^$O[#OAK_@GQJ&@7?Q;_9T M\/\ P]UOX:W?A_XKM8>)+WQ/X>\0:OK&MZBVO3PV%A:/J*ZAK,\VFW]A964V MC26]E-I9M)[9):\;^&?_ 21_9E^'DO[%UG=W7C7Q[X+_8,^'_Q+\$? ;X;^ M/K[0_$?@:WU+XFQ0Z3>_$+Q;H]SH0_X2GQWX<\&B^\$^&-4U*9[33M'U2\OW ML9M?,.JP@'Y"?LY_\%%M>^%G_!$C]M[2O@Y\<_#/QY^-7_!,H_$;]FKP9^T- MINL6GC?1O&'PZAN=.?\ 9L_:(U26RU'5H9],3X3>)M"E\0QMJ&H1Z=XI^'?B MO2;BYNFT^9WW/BS\!/\ @F)_P3=^'_[/_P"T#^U<_P"W)\;/C)-IWPR^,_BG M]O;PAXN_:.^*.JW6OZ'XM\&ZDA\=>-/!WBNS\#^%OA5XV\7ZSI>B:7\-KWPS M:^$-4\-:\FGFRENV74H/VZ_X=U_LT6WQ[^+GQTL?"=OI6G?'S]FJQ_9B^-WP M3TG2O#>E_!/XI>$M%\1:IK/AOQ3XN\'6&AP/?^.O#FD>(?$_@G2M:2_BBC\( M^(;[39K.:6*RN;;X>"/$/PKG_99U;]M+]M&__8@OK_PU)_PREKOC MWPAXC\-VFB>$/%.D>*_#WPXT_P"(^O\ @74_BY9_#33[G0[&UM_#*>.6CCLK M:WMHKI1!"R 'YW?M4Z;IOQ2_X*^_M=^$O'_[,/[=O[7'A+1/V=OV$KOP]H?[ M*?[0?Q)^$/A#X)3>/KCXMV_C7Q?XO\.>%?C-\+;?4KKQ=:^'O#K6,"Q>(KMM M)\&>+$:Q:6<,WL'_ 5O^,OQ_P#V5_VUOV(?BC^S=JGBO7? /[&G[//Q)^-7 M[2/P5LO%'B74?^%@_LMV/BKP7\.?'EZ=%^UW[>-_'/A#PO/-XT\/7&K+=:N/ M^$;U.ZFU*WBFOIF_33XS_P#!+?1_B5^TI\2?VHOAW^UW^US^S/X^^+?P]^%O MPV\?:=\!?&_@WP]X)+YM0TQ/%^N@3'4#&/ML_D MPQ&XN/-^A]'_ &)_AI:?&_0_CWXE\1>-/B'XQTK]EVU_90U&R\=7FCZYX?\ M%7@+^U;;5]P7X,>!_%Q'C;P)I'QN\(:3>:9;Z[9QZKXCTVW\!^(+:[AO5L19SV MTLJ3_L#\-?\ @C=^R5\'/V6?A[^R7\,6\>>$? 'PU_:N^'G[8>A:_9ZSI=QX MVNOBG\+OBUHWQ3\&V^KZS>:+/#?>'](MO#GA[X=6=JUDE[:> =$TW3;2_@OK M9-0JEXW_ ."3>G:S\?/CY^T#\+OVV_VU_P!G;7OVC_%/A;QK\1_"?P9^(G@O M1_!5UXE\(^%-.\':9J-GIFN?#[7KR,OHVF6T5U!/J$\,KCA%C6.- #\L-8^- MG[7?[/W_ 5!_P""GG[4GP[O?'W[0'[,'P0^*/[-/@_]IG]D#3FU'Q5XIT#X M4W_[-'@[Q=VH\=?"OQ'?ZKX@\<_"_P]9:3+\1_!KW5]:7'-;_8B^&7B&RM_"_B+X7>.O#6KZ9XX\03:AXJ\&6&JV%A)K MX6U\0Z5'J&B_9[?]F/@U^R-X$^!_QA_:1^./AOQ'XUUKQI^U#KOPK\2_$5?$ M&IV,VGPZM\)OAUH/PRT>\T2VL--T^6"35-#T&VO-<2ZFNTO-1NM0,(MK6]EM MCQO[)G[ OP _8R^(O[4WCW]G_2)_!^F?M6_$W0_BYXR\!V'V2#P7X8\;:?HU MUI>NW/@K1H+2$:!I_BFZN[K6]2TJ-WL;74;NX&D0:?9>3:Q 'Y"?\&^/[,/P M\\0_ .+]KCQ+XA^-WBSXYZ'\>/VQOA!8^(?'?[0_QT\>:$W@+PO\;_%W@+PU MI-[X#\8_$'6_ UU=:!X3\/Z7HUCJIT :ELMS<7-W<7KO<'^E'^S['_GSM?\ MP&@_^-U\L_L7_L>_#G]ASX+W'P.^%NM>+-?\+7'Q,^*_Q2>_\:7FF7VM+KGQ K>\?:Y\0O$%FL^DZ7I%I_9EAJVO75II,9LS