-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, Awl8ocJx6gE82E+W/zAAS0MQxBY4qC7SIm1NedtNjj1GzEGp/ImlThyl8fjpKISj AuT/H7kEsfsiNOgY1xrt0A== 0001104659-07-029991.txt : 20070420 0001104659-07-029991.hdr.sgml : 20070420 20070420171555 ACCESSION NUMBER: 0001104659-07-029991 CONFORMED SUBMISSION TYPE: FWP PUBLIC DOCUMENT COUNT: 3 FILED AS OF DATE: 20070420 DATE AS OF CHANGE: 20070420 SUBJECT COMPANY: COMPANY DATA: COMPANY CONFORMED NAME: LEHMAN BROTHERS HOLDINGS INC CENTRAL INDEX KEY: 0000806085 STANDARD INDUSTRIAL CLASSIFICATION: SECURITY BROKERS, DEALERS & FLOTATION COMPANIES [6211] IRS NUMBER: 133216325 STATE OF INCORPORATION: DE FISCAL YEAR END: 1130 FILING VALUES: FORM TYPE: FWP SEC ACT: 1934 Act SEC FILE NUMBER: 333-134553 FILM NUMBER: 07779653 BUSINESS ADDRESS: STREET 1: LEHMAN BROTHERS STREET 2: 745 SEVENTH AVENUE CITY: NEW YORK STATE: NY ZIP: 10019 BUSINESS PHONE: 2125267000 MAIL ADDRESS: STREET 1: LEHMAN BROTHERS STREET 2: 745 SEVENTH AVENUE CITY: NEW YORK STATE: NY ZIP: 10019 FORMER COMPANY: FORMER CONFORMED NAME: SHEARSON LEHMAN HUTTON HOLDINGS INC DATE OF NAME CHANGE: 19901017 FILED BY: COMPANY DATA: COMPANY CONFORMED NAME: LEHMAN BROTHERS HOLDINGS INC CENTRAL INDEX KEY: 0000806085 STANDARD INDUSTRIAL CLASSIFICATION: SECURITY BROKERS, DEALERS & FLOTATION COMPANIES [6211] IRS NUMBER: 133216325 STATE OF INCORPORATION: DE FISCAL YEAR END: 1130 FILING VALUES: FORM TYPE: FWP BUSINESS ADDRESS: STREET 1: LEHMAN BROTHERS STREET 2: 745 SEVENTH AVENUE CITY: NEW YORK STATE: NY ZIP: 10019 BUSINESS PHONE: 2125267000 MAIL ADDRESS: STREET 1: LEHMAN BROTHERS STREET 2: 745 SEVENTH AVENUE CITY: NEW YORK STATE: NY ZIP: 10019 FORMER COMPANY: FORMER CONFORMED NAME: SHEARSON LEHMAN HUTTON HOLDINGS INC DATE OF NAME CHANGE: 19901017 FWP 1 a07-9677_30fwp.htm FWP

Filed Pursuant to Rule 433

Registration No: 333-134553

Indicative Note Terms

15YR NC 1YR Lehman NON-Inversion Note

Lehman Brothers Holdings Inc. has filed a registration statement (including a prospectus) with the U.S. Securities and Exchange Commission (SEC) for this offering. Before you invest, you should read the prospectus dated May 30, 2006, the prospectus supplement dated May 30, 2006 for its Medium Term Notes, Series I, and other documents Lehman Brothers Holdings Inc. has filed with the SEC for more complete information about Lehman Brothers Holdings Inc. and this offering.  Buyers should rely upon the prospectus, prospectus supplement and any relevant free writing prospectus for complete details.  You may get these documents and other documents Lehman Brothers Holdings Inc. has filed for free by searching the SEC online database (EDGAR®) at www.sec.gov, with “Lehman Brothers Holdings Inc.” as a search term.  Alternatively, Lehman Brothers Inc. or any other dealer participating in the offering will arrange to send you the prospectus, prospectus supplement and final pricing supplement (when completed) if you request it by calling your Lehman Brothers sales representative, such other dealer or 1-888-603-5847.

 

 

 

Issuer:

 

Lehman Brothers Holdings Inc. (A1, A+, A+)

Principal Amount:

 

US$3,000,000

CUSIP:

 

52517PY54

Trade Date:

 

April 20, 2007

Issue Date:

 

May 10, 2007

Maturity Date:

 

May 10, 2022, subject to Issuer’s Call Option.

Issue Price:

 

100.0%

Redemption Price:

 

100.0%

Interest Rate:

 

8.25% x Interest Accrual Factor, subject to a minimum Interest Rate of 0.00%

Interest Period:

 

Quarterly from and including each Interest Payment Date (or the Issue Date, in the case of the first Interest Period) to but excluding the next succeeding Interest Payment Date (or the Maturity Date, in the case of the final Interest Period)

Daycount Basis:

 

Unadjusted modified following 30/360

Interest Payment

 

 

Dates:

 

Quarterly on the 10th of each February, May, August and November, commencing August 10, 2007, and ending on the Maturity Date, subject to Issuer’s Call Option

Interest Accrual Factor:

 

For any Interest Period, the number of calendar days (including non Business Days) in respect of which SPREAD REF is greater than or equal to 0.00% during that Interest Period divided by the total number of calendar days (including non Business Days) in that Interest Period.

 



 

 

 

SPREAD REF:

 

For any day in an Interest Period (subject to the Rate Cut Off):

 

 

SPREAD REF = 30yr CMS Rate – 2yr CMS Rate

30yr CMS Rate:

 

On any Business Day during an Interest Period, the rate for U.S. Dollar swaps with a maturity of 30 years, expressed as a percentage, which appears on Reuters Screen ISDAFIX1 as of 11:00a.m., New York City time, on that day.  If such rate does not appear on Reuters Screen ISDAFIX1, the rate for such date shall be determined as if the parties had specified “USD-CMS-Reference Banks” as the applicable rate, as described under “Description of the Notes—Floating Rate Notes—CMS Rate Notes” in the prospectus supplement dated May 30, 2006, for the Issuer’s Medium Term Notes, Series I.

2yr CMS Rate:

 

On any Business Day during an Interest Period, the rate for U.S. Dollar swaps with a maturity of 2 years, expressed as a percentage, which appears on Reuters Screen ISDAFIX1 as of 11:00a.m., New York City time, on that day.  If such rate does not appear on Reuters Screen ISDAFIX1, the rate for such date shall be determined as if the parties had specified “USD-CMS-Reference Banks” as the applicable rate, as described under “Description of the Notes—Floating Rate Notes—CMS Rate Notes” in the prospectus supplement dated May 30, 2006, for the Issuer’s Medium Term Notes, Series I.

Rate Cut Off:

 

SPREAD REF for Saturday, Sunday or a day which is not a Business Day will be SPREAD REF for the immediately preceding Business Day. SPREAD REF in effect on the fifth Business Day prior to an Interest Payment Date will remain in effect until that Interest Payment Date.

Issuer’s Call Option:

 

The Issuer has the right on every Interest Payment Date commencing on or after May 10, 2008, provided that the Issuer gives 5 Business Days notice to the investor, to call the Note, in whole or in part, at the Redemption Price.  All amounts that may otherwise be payable following the call date shall cease to be payable. Notwithstanding the above, all payments due on the call date shall be made in full regardless of any calling of the Note by the Issuer.

Business Days:

 

New York

Calculation Agent:

 

Lehman Brothers Special Financing Inc.

Underwriter:

 

Lehman Brothers Inc.

Denomination:

 

US$1,000/1,000

 

U.S. Federal Income Tax Treatment:

Lehman Brothers Holdings Inc. intends to treat the notes as variable rate debt instruments, as described under “Supplemental United States Federal Income Tax Consequences—Variable Rate Debt Instruments” in the prospectus supplement dated May 30, 2006, for the Issuer’s Medium Term Notes, Series I.



 

Historical Levels of the 30yr CMS Rate and 2yr CMS Rate

The following shows for illustrative purposes the 30yr CMS Rate and the 2yr CMS Rate in effect on the Trade Date and the hypothetical historical Interest Payment Dates listed below; the Interest Rate payable on any Interest Payment Date for the Notes, however, will be determined based on the 30yr CMS Rate and the 2yr CMS Rate in effect on each day during the related Interest Period.  The historical experience of the 30yr CMS Rate and 2yr CMS Rate should not be taken as an indication of the future performance of the 30yr CMS Rate and  CMS Rate during the term of the Notes.  Fluctuations in the level of the 30yr CMS Rate and 2yr CMS Rate make the Notes’ effective interest rate difficult to predict and can result in effective interest rates to investors that are lower than anticipated. In addition, historical interest rates are not necessarily indicative of future interest rates. Fluctuations in interest rates and interest rate trends that have occurred in the past are not necessarily indicative of fluctuations that may occur in the future, which may be wider or narrower than those that have occurred historically.

Hypothetical
Interest
Payment
Dates

 

30yr CMS Rate
(in %)

 

2yr CMS Rate
(in %)

 

SPREAD REF:
30yr CMS Rate –
2yr CMS Rate
(in %)

4/20/2007

 

5.402

 

5.045

 

0.357

2/10/2007

 

5.448

 

5.296

 

0.152

11/10/2006

 

5.243

 

5.090

 

0.153

8/10/2006

 

5.611

 

5.371

 

0.240

5/10/2006

 

5.746

 

5.435

 

0.311

2/10/2006

 

5.149

 

5.084

 

0.065

11/10/2005

 

5.278

 

4.872

 

0.406

8/10/2005

 

5.055

 

4.503

 

0.552

5/10/2005

 

5.022

 

4.064

 

0.958

2/10/2005

 

4.867

 

3.632

 

1.235

11/10/2004

 

5.342

 

3.223

 

2.119

8/10/2004

 

5.425

 

2.909

 

2.516

5/10/2004

 

5.871

 

2.978

 

2.893

2/10/2004

 

5.266

 

2.140

 

3.126

11/10/2003

 

5.594

 

2.401

 

3.193

8/11/2003

 

5.666

 

2.067

 

3.599

5/12/2003

 

4.902

 

1.625

 

3.277

2/10/2003

 

5.216

 

1.963

 

3.253

11/12/2002

 

5.214

 

2.130

 

3.084

8/12/2002

 

5.541

 

2.483

 

3.058

5/10/2002

 

6.158

 

3.576

 

2.582

2/11/2002

 

6.109

 

3.332

 

2.777

11/13/2001

 

5.505

 

2.912

 

2.593

8/10/2001

 

6.208

 

4.256

 

1.952

5/10/2001

 

6.459

 

4.703

 

1.756

2/12/2001

 

6.271

 

5.292

 

0.979

11/10/2000

 

7.003

 

6.616

 

0.387

8/10/2000

 

7.000

 

6.912

 

0.088

5/10/2000

 

7.719

 

7.536

 

0.183

 



 

2/10/2000

 

7.470

 

7.191

 

0.279

11/10/1999

 

6.971

 

6.332

 

0.639

8/10/1999

 

7.336

 

6.516

 

0.820

5/10/1999

 

6.417

 

5.564

 

0.853

2/10/1999

 

5.953

 

5.277

 

0.676

11/10/1998

 

5.942

 

5.049

 

0.893

8/10/1998

 

6.110

 

5.777

 

0.333

5/11/1998

 

6.430

 

6.019

 

0.411

2/10/1998

 

6.313

 

5.719

 

0.594

11/10/1997

 

6.565

 

6.096

 

0.469

8/11/1997

 

6.971

 

6.291

 

0.680

5/12/1997

 

7.201

 

6.447

 

0.754

2/10/1997

 

7.019

 

6.035

 

0.984

11/11/1996

 

6.910

 

5.908

 

1.002

8/12/1996

 

7.107

 

6.113

 

0.994

5/10/1996

 

7.336

 

6.243

 

1.093

2/12/1996

 

6.463

 

4.979

 

1.484

11/10/1995

 

6.740

 

5.702

 

1.038

8/10/1995

 

7.390

 

6.130

 

1.260

5/10/1995

 

7.412

 

6.290

 

1.122

2/10/1995

 

8.197

 

7.640

 

0.557

11/10/1994

 

8.687

 

7.355

 

1.332

8/10/1994

 

8.061

 

6.436

 

1.625

5/10/1994

 

8.068

 

6.411

 

1.657

2/10/1994

 

7.083

 

4.636

 

2.447

11/10/1993

 

6.903

 

4.270

 

2.633

8/10/1993

 

7.081

 

4.237

 

2.844

5/10/1993

 

7.454

 

3.946

 

3.508

2/10/1993

 

7.582

 

4.465

 

3.117

11/10/1992

 

8.089

 

4.881

 

3.208

8/10/1992

 

7.723

 

4.284

 

3.439

 


 GRAPHIC 2 g967730bci001.jpg GRAPHIC begin 644 g967730bci001.jpg M_]C_X``02D9)1@`!`0$`8`!@``#_VP!#``H'!P@'!@H("`@+"@H+#A@0#@T- M#AT5%A$8(Q\E)"(?(B$F*S7J#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#TZBBL.%I? M^$UN+J:S7S)D8 ME=N..#SG-1W>N7EC_9;W,UG'#>L1)(4;"@#<".>XQP>E.Q+J15_(Z"BL*VUN M;4==GL;"YM)(([<2B3RV)#$XVGD?6ET?Q']MTNXGO8A#V0>A&,&BP>TB;M%84&N7-]:PF!8K>Z2X6"[MYE+&)CW&"..X/ M>KVNETT*]DCD>.2*!W1XV*D,%)%(?.FKHOT5QUKJ M?+(VY)4L!\V>@4\U8?Q+J$'VEG^QRFWO1:_9T5A),./F7D\\YQCM3L0JT3J: M*RQJ-S>ZK=6%CY4:V84332J6R[#(4`$=NIS5:VU;5;R^GTY(K6&XLV_TB1@S M(RD90J,@\\]>F*+%\Z-VBN>T[4];OM*AU';9".2.1F`1LH5SCOR#C'XU5D\8 M@>'8;V.ZLFOGVEK?:V/F(&WKU&>OM18GVL;79U=%8%_K5YI^L1V4]S91Q/;& M8RR1MP0<$8#?C2W>K:A;W&EQ&6RB%\K;W=3M0JN[(Y'!XX/2BP_:(WJ*YH^) MYAHL5[,D=N&NS;O)5&?W@'4@XP/K6QI-W)>VAF>>WG7>1'+;GY'7C!ZG M!]118<9J3LBQ)/Y=S##MSYV[G/3`S4M5+C_D)V7TE_D*B\0:A+I.@7NH0JC2 M6\1=1)G;GWQVI%FA17/66N2R0^=)J^FWD9FBA_T2!_E9VQ@Y8]?7M5H>*M)* M2MYLO[A"TR^6=T1W;`K#LQ;@#O0!KT5C+XIL&BR(;PW'FB+[((EN?"EYK*1*'A6X:-&4KGRRP7<#R#\HS0!N45BCQ391R)#-%<[ MQY(FDC@)BB:0`KEO0D@4\^)].628.+E((?,S=-`?)8I]X*W159+NW4^8#)/`417C M!+H3_>`!/X=:`-JBLW3->L]5F:&%)XI%02!)X]A="<\8Z`8`%/;2=3DNM.GDN M+,_8Y''[P7>H/82V=O;WT*QM$4;AA M_'QQG'&*Z'!]#^5&#Z'\J+B]E&UC)NM#%UJ5EJ7F"&Z@9?.\O.V91_"?H>0: MM:K:S7VEW%I`\://&8]T@)"@C!/'>KF#Z'\J,'T/Y4BN5:^9STV@ZA?6FGV5 MW%]Z9_PC$\T-[Y]Q#'<37)NK>X@4AH)...>HX_'-=) M@^A_*C!]#^5.Y/LHF):Z3J5E?S:A'<6KRW:J+J(JRHS*,!E/)!QU%3V6ES6D MM]>M+%)?7I!8X(C4*,*H[X'ZUJ8/H?RHP?0_E2N-02,?3-*O=/\`#W]F&:WD ME565),,%PQ/4=>YJ&;0KV7PK%HHN+821JB&7:V"JD$''KQ6]@^A_*C!]#^5. MX>SC:WR,6;3-5?6H]366QREL8#$RN0V3DG/U%1RZ+J%Q=:=/<3V<@LVP/8J[-%;3JQPK=4R/X0 M>1QQ5S2-+_L[[5(5AC:ZE\PQ0#$:<`8'Y9)K2P?0_E1@^A_*BX*"6Q3N/^0G M9?27^0I-7T\:MI-SI[2F(7";"X&2OX5/);-)=039(\G=QCKD8J;!]#^5(LIZ MAIZW]O#$9/+\J>.8$+G)1@V/QQ6-)X-CFAO$DU"1VO\`#W3/&&#S*P9'"G@8 MQMV]"`*Z7!]#^5&#Z'\J`.ZAJ7VBZ26%@R0"-=D98A<9/)+$DYI9_"\%U M;BWFN':(W%Q,P"X+"964K[8W]?:MS!]#^5&#Z'\J`,30O#O]C3/*TMM(QC$2 M^19)`2!W8CDL>/0>U;5+@^A_*C!]#^5`"44N#Z'\J,'T/Y4`)12X/H?RHP?0 M_E0`E%+@^A_*C!]#^5`"44N#Z'\J,'T/Y4`)12X/H?RHP?0_E0`E%+@^A_*C M!]#^5`"44N#Z'\J,'T/Y4`)12X/H?RHP?0_E0`E%+@^A_*C!]#^5`"44N#Z' M\J,'T/Y4`)12X/H?RHP?0_E0`E%+@^A_*C!]#^5`"44N#Z'\J,'T/Y4`)12X M/H?RHP?0_E0`E%+@^A_*C!]#^5`"44N#Z'\J,'T/Y4`)12X/H?RHP?0_E0`E M%+@^A_*C!]#^5`"44N#Z'\J,'T/Y4`)12X/H?RHP?0_E0`E%+@^A_*C!]#^5 M`"44N#Z'\J,'T/Y4`)12X/H?RHP?0_E0`E%+@^A_*C!]#^5`"44N#Z'\J,'T M/Y4`)12X/H?RHP?0_E0`E%+@^A_*C!]#^5`"44N#Z'\J,'T/Y4`)12X/H?RH MH`PO[7U#_G[D_2C^U]0_Y^Y/TJG3BK!0Q4@'H2.#7E\\NY1:_M?4/^?N3]*/ M[7U#_G[D_2J=%'/+N!<_M?4/^?N3]*/[7U#_`)^Y/TJG11SR[@7/[7U#_G[D M_2C^U]0_Y^Y/TJG11SR[@7/[7U#_`)^Y/TH_M?4/^?N3]*IT4<\NX%S^U]0_ MY^Y/TH_M?4/^?N3]*IT4<\NX%S^U]0_Y^Y/TH_M?4/\`G[D_2J=2"&9@"(G( M/0A31S2[@6/[7U#_`)^Y/TH_M?4/^?N3]*K-'(@R\;*/=2*91S2[@7/[7U#_ M`)^Y/TH_M?4/^?N3]*IT4<\NX%S^U]0_Y^Y/TH_M?4/^?N3]*IT4<\NX%S^U M]0_Y^Y/TH_M?4/\`G[D_2J=/CAEE.(XW?']U2:.:7<"S_:^H?\_7<"Y_:^H?\_7<"Y_:^H?\`/W)^E']KZA_S]R?I M5.BCGEW`N?VOJ'_/W)^E']KZA_S]R?I5.BCGEW`N?VOJ'_/W)^E']KZA_P`_ M7<"Y_:^H?\_7<"Y_:^H?\_7<"Y_:^H?\_7<"Y_:^ MH?\`/W)^E']KZA_S]R?I5.BCGEW`N?VOJ'_/W)^E']KZA_S]R?I5.BCGEW`N M?VOJ'_/W)^E']KZA_P`_M;\US(LK`.0 M`Q%-437MP#_K6_*H6?@_ M-43R`$DL!Q6KDP)'U"Z&,3/^55Y-4O`#BX?KZ56:[B=S&D@9D^\!VJG)>1O* M\*2+YBX+*3R!4.3[CL7&UF_#D"ZD_(45C233O<.EM;R73)CS"F`%ST')HJ+R M"QQ0S2QA'PRR9^5A4NN$^=;#L+=:=??\`'MI?^Y_45;C&[TV`-:M1_:1$+(S. M0HB0/:X"2H"2&]J?/ICQ/'''/%-*[;3'&G6J6@E?[4&[EBC;?K2Y(Z+S&-_LC+^2M[;M/_`,\LGKZ9]:KV M]A-<7#P\1F($R,_`0#UJTDVGBX55T^;S0_`\[G=FIFN;A=2NYA990H!/$Q!P M,475U;:=8?9Y'3='SM'7I6)6 M[=7]S9:=8"W<+OCYRH/I4TW9,`TFZO+R9X;LM+;%#O+KP/QK,MK%[N23RV58 MX^6D!(OTJE86Z-:7%Q<2RK;H0&2,\N:IJ]EN` MC:7N@DEMKN*X\L995R"!5FVM(GT.0FXA1G<$N?X?8U+ICVCK=?9;5TQ`V9'? M)^E5(?\`D7;C_KLO]*$DM?)B(+?3VFA,\DT<$(.`[_Q'V%%U8/;1+,LB30N< M"1.F?0^E:$\EHFE6+3V[RIM(!5]H![U$T\1TB=;:QD2%F&7:3(#<4G"*5AF3 M6]=F\AL[;^S0PM_+!9HADEN^:PAR1SCWJ_.+S1I@D5PP1@&5E^ZWX5,'9,`F MU$W-BT%XK/.K`QOC!'J#5B2SB&A1$7$(.\L6_O''W?K3A.VJ:5M_^NS?UJ_-ZZ"$BT=WACFDN88HY%RK.>_I5>:S>&UCN"ZLL MC%1CVJUJ9/\`9^G#MY1/\J2Z_P"0!9'L'>I<8ZI=AE46CFP-YN78'V;>^:FC MTPF!)KBYBMED^X'Y+>^*E"D>&6)'#7&1[\4:YG[3"P_U9A78>V*.5)7`=::8 M8-5A2=XBAPZ'J)!Z"F3Z>9]4EABGB8MNEL(KE+S3WF8F-V_=`MG M`^G:IM.Y\07`[_O*I)-)6ZB,RVMVNKE(%8*SG`)Z5-;:9-=2SQQNFZ$X.>_. M*=HREM7@`&<,2?;BK5J2!JY!P=I_F:B$4TFQE1M,]/_ M`+*\P,+:[AN)$&3&FM2Z)L\N]!0N?*^ZIP2.^*6QN;,7<9M-/F,PY4": MJ48NS?4"E:6,EV7PRQI&,O(YP%K3L;,06U[+'<1SQM`5W)V/H143GS-'O2B% M&^T[G7K@?_KJ/2`WD7Y&=GD'/U[?UHBDF@,RME;J:T\.PO!(8V,Q!(].:QJV MXKI[3P_"Z)&Y,Q&'7([U-/KZ`)I6H7=Y>BVG;SXI`0ZLHX&.M5(=+>Z>E;2RT3O;745R8QEE3@@>OO4EB"VC7ZQ_?^4D#KM[TW00QU1"OW M0K%SVQBDHQ;2MN!!:6#W2/*9$AAC^](_3Z5H16OV?1KYEFCFC<+M=#Z'N.U0 MSX;0$,7W%N&WX_2DL0_]C:@>=A"X^N:<4D[>0%26T>&TAN2RE9LX`ZC%'V1_ ML'VS1(/:H]>S_:`;^`QKL],8I^GQ7*:A8-. MQ*/_`*L%LX&/3M5))2M;8".73VGU&2*&:)Q\SLX/"#/>FOIF8));:ZBN!$,N MJ9!`]:?;2SPZA=O#")D&[S4/]W-2PQ:?J'F+:":UFV$[=V5(':A1BP,BBBBL M0"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH` M****`"BBB@`HHHH`****`);;_CZB_P!]?YULW<@6YES@`.:QK;_CZB_WU_G4 ME_#YJMW?VQ59+"UGTQ8SGS0Q8S#AUD[G^F/;%:=K* M)6^V29`(Q$#V7U^I_EBJMW:1S3O<)--`'^^(\?,?[W(XIZ`-M(TLH!!'D@X%B*^GAN6N0P:5@02PSG-0H[1N'1BK*<@CM3:*F M[`T?[;NL[O+@\W_GKY8W56@O;BWN#/')\[9W%N=WUJO15.:[EN(HHI,;81A<#M4 M%%3<"6VN9;2=9H6PZ_D:GAU*>&65U$968Y>,KE3^%4Z*:DUL!?\`[8NE.(Q% M&A!!C1,*'7.,^E5**?-*][@3374D\44;XVPKM7`[5+: MZE/:Q&$+')$3G9(NX9JI124FG<"W<:E&$0LD M4T:_=65-VWZ53HI\\KWN!9EO[F:Y2X9_G3&S`P%QZ"GRZGUO)K.0O"P^8896&0P] MQ5A]8N6C>-%BCC=2I1$P.>_UJA10I22LF`5.UW*UFMJ<>6K;AQSFH**2=@"I MH[J6*VEMUQLE(+9'/%0T4)V`FMKJ:TE\V%]K8P>X(]#5B75;B2)HD2*%7^_Y M2;2WUJC134FE9,"Q:7TUF6\LJ4?[R.,JWX5++JMS+"\&(TB<8V(F`/I5*BA2 MDE:X%RVU*>VA,(6.6(G.R1=P!I+C4KFZA\F5E*;MP`7&.,8'M52BGS2M:X%V M'5)XH5B9(ID3[HE3=M^E1O?W,EVMTTG[Q/N\<#VQ5:BCFEW`NOJMTUTMR"B2 M`8^5]6+;_CZB_WU_G5+ M5KS.IWD1`V^LJ.XC@B$40"(G"J#P*07:1D[`HSR<=S3YC1(WC=YP6 M8>P["HWO>#\_>L-K_@_P"O(HYQ112YAV. MEHHHK$R"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@ M`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`" MBBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`** M**`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@"6V_X^HO]]?YUCZO_P`A EF\_Z[O\`S-%%:1^$N&Y2/>FGK110:$9[5&U%%`$9ZT444#/_V3\_ ` end GRAPHIC 3 g967730bci002.jpg GRAPHIC begin 644 g967730bci002.jpg M_]C_X``02D9)1@`!`0$`8`!@``#_VP!#``H'!P@'!@H("`@+"@H+#A@0#@T- M#AT5%A$8(Q\E)"(?(B$F*S7J#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#TZBBL.%I? M^$UN+J:S423(Q M*[<<<'G.:CN][> M]%@52+-RBL72];GN-`?5;Z..,[F584SD$,5"DD\DG`ID&MW=UX=NKN.."._L MRZ31-ED#KVR#T(Q@T6#VD3=HK"@URYOK6$P+%;W27"P7=O,I8Q,>XP1QW![U M>UTNFA7LDBU^SHK"24YLHXGMC,9 M9(VX(.",!OQI;O5M0M[C2XC)91"^#;W=6VH57=DF!FI:J7'_(3LOI+_`"%1>(-0ETG0+W4(51I+ M>(NHDSMS[X[4BS0HKGK+7)9(?.DU?3;Q#-%#_HD#_*SMC!RQZ]O2K0\5:24E M;S9/W"%IE\L[HCNV!6'9BW`'>@#7HK'7Q38-%D0WAN/-$7V00YF+$;A\H/3: M"BL8 M^*K!8F:6"^AE$D:?9Y+8B5B^=A"]P<$9]N:2W\6:9/(JLEW;J?,!DG@*(KQ@ MET)_O``G\.M`&U16=IFO6>JS-#"D\4BH)`D\>PNA.`P]1^M:-`!1110`4444 M`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110` M4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1 M110`4444`%%%%`!1110`4444`%8QTS4T\03ZI#-98D@$"QN'X`.021WYK:P? M0_E1@^A_*@EQ3,`:3K7]J6^H27EE++#%)&59'`;><\8Z`8`%/;2=3DNM.GDN M+,_8Y' ML=`OH(;:UNIK.>UAGDF=-C?.6)(Z\<$G]*+CP_>"[U!K"6SM[>^A6-HBC<,/ MX^.,XXQ70X/H?RHP?0_E1<7LHVL9-UH8NM2LM2$@ANH&7SO+SMF4?PGZ'D&K M6JVLU]I=Q:0/&CSQM'ND!(4$8)XJY@^A_*C!]#^5(KE6OF<]-H.H7UII]E=W M-JL%B\;[H5;?(4''7A?>F?\`",3S0WOGW$,=Q-=&ZM[B!3N@DXXYZCC\D%C@B-0HPJCO@>O>M3!]#^5&#Z'\J5QJ"1CZ9I5[I_AW^S#-;R2 MJK*DF&"X8GJ.O-6TFYT]I3$+A-A<#)7\*GDMFDNH)LD>3NXQUR,5-@^A_*D64]0T] M;^WAB\SR_*GCF!"YR48-C\<5C2>#8YH;Q)-0D=K_``]TSQA@\RL&1PIX`&-N MWH0!72X/H?RHP?0_E0!SEOX5EM52>WO+:WO8YO,C>"Q6.(#:5*E`ZAJ7VBZ26%@R0"-=D98A<9/)+$DYI9_"\%U;BW MFN':(W%Q,P"X+"964K[8W]?:MS!]#^5&#Z'\J`,30O#O]C3/*TMK(QC$2^19 M)`2!W8CDD\>@]JVJ7!]#^5&#Z'\J`$HI<'T/Y48/H?RH`2BEP?0_E1@^A_*@ M!**7!]#^5&#Z'\J`$HI<'T/Y48/H?RH`2BEP?0_E1@^A_*@!**7!]#^5&#Z' M\J`$HI<'T/Y48/H?RH`2BEP?0_E1@^A_*@!**7!]#^5&#Z'\J`$HI<'T/Y48 M/H?RH`2BEP?0_E1@^A_*@!**7!]#^5&#Z'\J`$HI<'T/Y48/H?RH`2BEP?0_ ME1@^A_*@!**7!]#^5&#Z'\J`$HI<'T/Y48/H?RH`2BEP?0_E1@^A_*@!**7! M]#^5&#Z'\J`$HI<'T/Y48/H?RH`2BEP?0_E1@^A_*@!**7!]#^5&#Z'\J`$H MI<'T/Y48/H?RH`2BEP?0_E1@^A_*@!**7!]#^5&#Z'\J`$HI<'T/Y48/H?RH M`2BEP?0_E1@^A_*@!**7!]#^5&#Z'\J`$HI<'T/Y48/H?RH`2BEP?0_E10!A M?VOJ'_/V_P"E']KZA_S]O^E4Z<58*&*D`]"1P:\OGEW*+7]KZA_S]O\`I1_: M^H?\_;_I5.BCGEW`N?VOJ'_/V_Z4?VOJ'_/V_P"E4Z*.>7<"Y_:^H?\`/V_Z M4?VOJ'_/V_Z53HHYY=P+G]KZA_S]O^E']KZA_P`_;_I5.BCGEW`N?VOJ'_/V M_P"E']KZA_S]O^E4Z*.>7<"Y_:^H?\_;_I1_:^H?\_;_`*53J00RL`1$Y!Z$ M*:.:7<"Q_:^H?\_;_I1_:^H?\_;_`*55:.1!EXV4>ZD4VCFEW`N?VOJ'_/V_ MZ4?VOJ'_`#]O^E4Z*.>7<"Y_:^H?\_;_`*4?VOJ'_/V_Z53HHYY=P+G]KZA_ MS]O^E']KZA_S]O\`I5.GQPRRG$<;OC^ZI-'-+N!9_M?4/^?M_P!*/[7U#_G[ M?]*JNCQMM=64^C#%-HYY=P+G]KZA_P`_;_I1_:^H?\_;_I5.BCGEW`N?VOJ' M_/V_Z4?VOJ'_`#]O^E4Z*.>7<"Y_:^H?\_;_`*4?VOJ'_/V_Z53HHYY=P+G] MKZA_S]O^E']KZA_S]O\`I5.BCGEW`N?VOJ'_`#]O^E']KZA_S]O^E4Z*.>7< M"Y_:^H?\_;_I1_:^H?\`/V_Z53IP5FSM4G')P.E'/+N!:_M?4/\`G[?]*/[7 MU#_G[?\`2J=/6*5QE8W8>H4FCFEW`L_VOJ'_`#]O^E']KZA_S]O^E5FCD09> M-E'NI%,HYI=P+G]KZA_S]O\`I1_:^H?\_;_I5.BCGEW`N?VOJ'_/V_Z4?VOJ M'_/V_P"E4Z4*Q!8*2!U('2CGEW`M_P!KZA_S]O\`I1_:^H?\_;_I5.BCGEW` MN?VOJ'_/V_Z4?VOJ'_/V_P"E4Z*.>7<"Y_:^H?\`/V_Z4?VOJ'_/V_Z53HHY MY=P+G]KZA_S]O^E']KZA_P`_;_I5.BCGEW`N?VOJ'_/V_P"E']KZA_S]O^E4 MZ*.>7<"Y_:^H?\_;_I1_:^H?\_;_`*53HHYY=P+G]KZA_P`_;_I1_:^H?\_; M_I5.BCGEW`N?VOJ'_/V_Z4?VOJ'_`#]O^E4Z*.>7<"Y_:^H?\_;_`*4?VOJ' M_/V_Z53HHYY=P+G]KZA_S]O^E']KZA_S]O\`I5.BCGEW`N?VOJ'_`#]O^E'] MKZA_S]O^E4Z*.>7<"Y_:^H?\_;_I1_:^H?\`/V_Z53HHYY=P+G]KZA_S]O\` MI1_:^H?\_;_I5.BCGEW`N?VOJ'_/V_Z4?VOJ'_/V_P"E4Z*.>7<"Y_:^H?\` M/V_Z4?VOJ'_/V_Z53HHYY=P+G]KZA_S]O^E']KZA_P`_;_I5.BCGEW`N?VOJ M'_/V_P"E']KZA_S]O^E4Z*.>7<"Y_:^H?\_;_I1_:^H?\_;_`*53HHYY=P+G M]KZA_P`_;_I1_:^H?\_;_I5.BCGEW`T(-5OVN(U:Z<@N`1QZUOS7,BRL`Y`# M$5RMM_Q]1?[Z_P`ZZ&X?%P_/\9KHHR=G=@2-=S`']XU1->W`/^M;\JA9^#\U M1/(`22P'%:N3`D?4+H`8F?\`*J\FJ7@!Q<..?2JS7<3N8TD#,GW@.U4Y+N-Y M7A21?,7!92>0*AR?<=BXVLWX<@74GY"BL:2:=[ATMK>2Z9,>84P`N>@Y-%3S M2"QOIGUJ\2H\7?-^'UVU3DFT];ED:PF\W?@_O MNG6J6@E?[4&[EBC;?K2Y(Z+S&-_LC+^2M[;M/_`,\LGKZ9]:KV M]A-<7#P\1F($R,_`0#UJTDVGBY54T^?S0_`\[G=FIFN;A=2NYA990H!/$Q!P M,4&[+2VQ0[RZ\+^-9EM8O=R2>6RK M''RTCG`45I_:9M9TV1%E9+B(99%X$BU2L+=&M+BXN)94MTP&2,\N:IJ]EN`C M:7N@DEMKN*X\L995R"!5FVLXGT.0FXA5G<$NW\/L:ETQ[1UNOLMJZ8@;,COD M_2JD/_(NW'_79?Z4)):^3$06^GM-"9Y)HX(0T32K%I[=Y4VD`J^T`]ZB:>(Z1.MM8R)"S#+M)D!N*3A%*PS)K M>NS>0V=M_9H86_E@LT0R2W?-80Y(YQ[U?F%[HTP2*X8(P#*R_=;\*F#LF`3: MB;FQ:"\5GG5@8Y,8(]0:L26<0T*(BXA!WEBW]XX^[]:<)SJFE7,EW&N^``I, M%QD^E5YO^1>M_P#KLW]:OS>N@A(M'=X8YI+F&*.1I<8ZI=AE46CFP-YN78'V;>^:FCTP MF!)KBYBMED^X'ZM[XJ4*1X98D<-<9'OQ1KF?M4+#_5F%=A[8HY4EHD'H*9/IYGU26&*>)BVYSC.%P>A]Z6QBN4O-/>8DQNW[H%LX'T M[5-IW/B"X'?]Y5))I*W41F6UNUU.-DW0G!SWYQ3M M&4MJ\``SAB3[<5:M20-7(.#M/\S40BFDV,J-ICFZ2W@GBG+#<60\*/>G_P!D M[PPMKN&XD09,:'G\/6I=$V>7>@H7/D_=4X)'?%+8W%F+N,VFGS&81S@+6E8V8@MKV6.XCGC:`KN3L?0BHW/F:/>E$*-]IW M.O7`_P#UU'I`;R+\C.SR#GZ]OZTXI)I",RME;J:T\.PO!(8V,Q!(].:QJVXK MI[3P_"Z)&Y,Q&'7([U%/KZ#$TK4;N\O1;3MY\4@(=64<#'6JD.EO=/.89$6. M*3:2Q[>M+)K5VT;(@BA##!,:8-/LB1H=_CU0?K574M'KN!$-+>2[,$$T4JA= MS2@_*H]Z5M++1.]M=17)C&65."!Z^]26(+:-?K']_P"4D#KMIN@ACJB%?NA6 M+GMC%)*+:5MP(+2P>Z1Y3(D,*?>D?I]*T(K7[/HU\RS1S1N%VNA]#T([5#/A MM`0Q?<6X;?CMZ4EB'_L;4#SL(7'US3BDG;R`J2VCPVD-R64K-G`'48H^R/\` M8/MFY=GF;-O?.*MWO_(#L#V!N*L66FM!J\4=P\6!\ZYY$@]JCU[/]H!OX#&NSTQBGZ?%E"C%@8]%%%8@% M%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`4444`%%%%`!1110`44 M44`%%%%`!1110`4444`2VW_'U%_OK_.MF[D"W,N<`!S6-;?\?47^^O\`.I+^ M&YFU"YG$AA:.5A"F>&P3RWU_2MZ6S`N-*Q!VJ![FJUS*X98XE$D\IVQJ>F?4 M^P'6JZ:C$]M)*^8_+R)%;JA'4&K.FQE-]]<@K+(ORJW_`"S3T^IZG_ZU:;C$ MU#3/L]A%]B`:^0_(6X\YCU#>W?VQ59+"UGTQ8R3YH8L9APX?N?Z8]L5IVLHE M;[9)D`C$0/9?7ZG^6*JW5G'-.]PDTT`?[XCQ\Q_O2!R6 M8\L3U)HIG]EVI)W3W;GU,Q'\J*!$%3R7&Y:Y#!I6!!+#.W%O<&>.3YVSN+<[OK5>BJ2)HDCAA M5^'\I-I:FV^HSVUN]NNQHVYPZYP?:JE%'/*][@%3SW]P)IKJ2>**-\;85VK@=JEM=2 MGM8C"%CDB)SLD7<`:J44E)IW`MW&I7-S"89"NPL&"A<;<=A[4L&J3PPB%DBF MC7[JRINV_2J=%/GE>]P+,M_BFYR?4"2">6V MF66%RCKT-7&UFY*L(XX8F889XX\,?QK/HI*36S`GM;R:SD+PL/F&&5AD,/>K M#:Q*AHH3L!-;74UI+YL+[6Z'N"/0U8EU6XDB:)$BA5_O^4FT MM]:HT4U)I63`L6E]-9EA&5*/]Y'&5;\*EEU6YEA>#$:1.,;$3`'TJE10I22M M<"Y;:E/;0F$+'+%G.R1=P!I+C4KFZA\F5E*;MP`7&.,8'M52BGS2M:X%V'5) MXH5B9(ID3[HE3=M^E1O?W,EVMTTG[Q/N\<#VQ5:BCFEW`NMJMTUTMR-B2`8^ M5'4KF68*+4W#HK#JF"1EO8GO5BV_X^HO]]?YU2U: M\SJ=Y$0NWSG4@]^36U-VB-*Y5P;R^-Y'\T5N0'7M.P[?\!_GQ6C+J,=\ZQ1R M;H<%F M'L.PJ-[W@_/WK#:_X'(_.H7O^O(HYQ112YAV.EH MHHK$R"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`H MHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BB MB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@`HHHH`**** M`"BBB@`HHHH`****`"BBB@`HHHH`****`"BBB@"6V_X^HO\`?7^=8^K_`/(9 EO/\`KN_\S116D?A+AN4F[TT]:**#0C/:HVHHH`C/4T444QG_V3\_ ` end -----END PRIVACY-ENHANCED MESSAGE-----