Veteran debt relief grants: Your guide to financial assistance programs in 2026

k9bmkDEC@?8m'6E6C2? 563E C6=:67 8C2?EDi *@FC 8F:56 E@ 7:?2?4:2= 2DD:DE2?46 AC@8C2>D :? a_aek^DEC@?8mk^9bm

kAmu@C G6E6C2?D H:E9 563E[ =@ED @7 96=A :D 2G2:=23=6] v@G6C?>6?E[ ?@?AC@7:E[ 2?5 AC:G2E6 @C82?:K2E:@?D @776C 2 C2?86 @7 AC@8C2>D E@ 96=A J@F 86E J@FC 7:?2?46D 324< @? EC24<]k^Am

kAm'6E6C2? 563E C6=:67 8C2?ED 5@?’E 92G6 E@ 36 C6A2:5] %92E’D ;FDE E96 E:A @7 E96 :4636C8 @7 E96 563E C6=:67 @AE:@?D @A6? E@ G6E6C2?D] *@F’G6 8@E 2446DD E@ A6?D:@?D 2?5 @E96C 36?67:ED[ 9@FD:?8 2DD:DE2?46[ 65F42E:@?[ 4@F?D6=:?8[ 563E D6EE=6>6?E[ 2?5 6G6? =682= AC@E64E:@?]k^Am

kAmx? @E96C H@C5D[ 563E C6=:67 4@>6D :? >2?J 7@C>D] s63E C6=:67 >2J ?@E 36 D@>6E9:?8 E92E 5:C64E=J A2JD @77 J@FC 563E] p?JE9:?8 E92E :>AC@G6D J@FC :?4@>6 @C C65F46D J@FC 6IA6?D6D 4@F=5 7C66 FA >@C6 >@?6J E@ AFE E@H2C5D A2J:?8 @77 563E]k^Am

kAmq6:?8 @A6? E@ E96 5:776C6?E 7@C>D @7 G6E6C2? 563E C6=:67 >62?D E96C6 42? 36 2 3C@256C C2?86 @7 2DD:DE2?46 2G2:=23=6 E@ J@F] x? E9:D 2CE:4=6[ k2 9C67lQ9EEADi^^HHH]7C665@>563EC6=:67]4@>^QmuC665@> s63E #6=:67k^2m 6IA=@C6D H92E’D A@DD:3=6 E@ 96=A J@F 7:?5 E96 EJA6 @7 563E C6=:67 E92E 7:ED J@FC D:EF2E:@?]k^Am

kAmz6J %2<62H2JDik^Am

kF=mk=:mvC2?ED 2C6 ;FDE @?6 @7 D6G6C2= 7@C>D @7 G6E6C2? 563E C6=:67]k^=:mk=:m*@F >2J 36 6=:8:3=6 :7 J@F D6CG65 :? E96 >:=:E2CJ[ 6G6? :7 J@F 5:5?’E D6CG6 :? 2 4@>32E K@?6]k^=:mk=:m%96 ?2EFC6 @7 J@FC 5:D492C86 >2J 27764E J@FC 6=:8:3:=:EJ]k^=:mk=:m~E96C 7@C>D @7 7:?2?4:2= 2DD:DE2?46 :?4=F56 A6?D:@?D[ =@2?D[ vx q:== 65F42E:@? 36?67:ED[ 2?5 5:D23:=:EJ 4@>A6?D2E:@?]k^=:mk=:mrC65:E 4@F?D6=:?8[ 563E >2?286>6?E A=2?D[ 2?5 ?68@E:2E65 563E D6EE=6>6?E 2C6 2== A@DD:3:=:E:6D 7@C 563E C6=:67]k^=:mk=:m'6E6C2? 563E C6=:67 :D 2G2:=23=6 7C@> E96 8@G6C?>6?E[ ?@?AC@7:ED[ 2?5 AC:G2E6 4@>A2?:6D]k^=:mk^F=m

k9bmv@G6C?>6?E\$A@?D@C65 '6E6C2? s63E #6=:67 vC2?EDk^9bm

kAmx? C6EFC? 7@C J@FC D6CG:46 E@ J@FC 4@F?ECJ[ E96 8@G6C?>6?E AC@G:56D 5:776C6?E EJA6D @7 7:?2?4:2= 2DD:DE2?46] w6C6 2C6 D@>6 <6J H2JD E96 8@G6C?>6?E @776CD 7:?2?4:2= 96=A E@ G6E6C2?D[ 2=@?8 H:E9 6I2>A=6D @7 AC@8C2>D H@CE9 =@@<:?8 :?E@]k^Am

k9bm%96 '6E6C2?D p5>:?:DEC2E:@?k^9bm

kAm%96 '6E6C2?D p5>:?:DEC2E:@? W'pX :D E96 AC:>2CJ @C82?:K2E:@? E92E 4@@C5:?2E6D 36?67:ED 7@C &]$] >:=:E2CJ G6E6C2?D] tI2>A=6D @7 7:?2?4:2= 96=A :?4=F56ik^Am

kF=mk=:m|:=:E2CJ A6?D:@?Dk^=:mk=:ms:D23:=:EJ 4@>A6?D2E:@?k^=:mk=:mw@FD:?8 2DD:DE2?46k^=:mk=:mvC2?ED 7@C 252AE:G6 9@>6D 2?5 G69:4=6Dk^=:mk=:mvx q:== 65F42E:@? 2?5 EC2:?:?8 7F?5:?8k^=:mk^F=m

kAm*@F >2J 7:?5 H2JD E@ :>AC@G6 J@FC :?4@>6 @C C65F46 J@FC 6IA6?D6D[ H9:49 4@F=5 8:G6 J@F D@>6 3C62E9:?8 DA246 :? J@FC 3F586E E@ 2EE24< 563E]k^Am

kAmx7 J@F 92G6 'p 563E 7C@> 2 AC6G:@FD =@2?[ 36?67:E @G6CA2J>6?ED[ @C >65:42= 4@\A2J>6?ED[ J@F 42? 2AA=J E@ E96 'p 7@C 563E C6=:67 3J 7:==:?8 @FE 'p u@C> dedd] *@F’== AC@G:56 :?7@C>2E:@? 23@FE J@FC :?4@>6[ 6IA6?D6D[ 2?5 @E96C 7:?2?4:2= 4:C4F>DE2?46D] %96 'p H:== C6G:6H J@FC D:EF2E:@? 2?5 564:56 :7 J@F BF2=:7J 7@C 2 >@5:7:42E:@? @7 J@FC A2J>6?E D4965F=6] %96J >2J C65F46 E96 2>@F?E J@F @H6]k^Am

kAm*@F >:89E 36 H@?56C:?8 :7 G6E6C2? 563E C6=:67 AC@8C2>D H:== 27764E J@FC 'p 36?67:ED] xE’D A@DD:3=6 E92E D@>6 AC@8C2>D H:==] x7 J@F C646:G6 'p 36?67:ED 2?5 92G6 2 'p 563E[ J@F >2J 92G6 E@ 8:G6 FA D@>6 @C 2== @7 E9@D6 36?67:ED F?E:= E96 563E 92D 366? A2:5] p?@E96C A@DD:3:=:EJi %96 'p >2J 2AAC@G6 2?@E96C C6A2J>6?E @C 563E C6=:67 @AE:@?]k^Am

k9bm%96 s6A2CE>6?E @7 s676?D6k^9bm

kAmx7 J@F’C6 2? 24E:G6 D6CG:46 >6>36C[ E96 s6A2CE>6?E @7 s676?D6 Ws@sX AC@G:56D :?7@C>2E:@? @? 7:?2?4:2= 2DD:DE2?46 2?5 @E96C 36?67:ED E9C@F89 E96 H63D:E6 k2 9C67lQ9EEADi^^>:=:E2CJ@?6D@FC46]>:=^Qm|:=:E2CJ~?6$@FC46]>:=k^2m]k^Am

kAmx? 255:E:@?[ E96 s@s 92D DA64:7:4 @77:4:2= C6=:67 @C82?:K2E:@?D 7@C 5:776C6?E 3C2?496D @7 E96 >:=:E2CJik^Am

kF=mk=:mpC>J t>6C86?4J #6=:67k^=:mk=:m}2GJ\|2C:?6 r@CAD #6=:67 $@4:6EJk^=:mk=:mp:C u@C46 p:5 $@4:6EJk^=:mk=:mr@2DE vF2C5 |FEF2= pDD:DE2?46k^=:mk^F=m

k9bmr2? G6E6C2?D H:E9 =6DD\E92?\9@?@C23=6 5:D492C86D BF2=:7J 7@C 563E C6=:67 AC@8C2>Dnk^9bm

kAmw2G:?8 =6DD E92? 2? 9@?@C23=6 5:D492C86 4@F=5 27764E J@FC 6=:8:3:=:EJ 7@C 8@G6C?>6?E G6E6C2?D 36?67:ED] x? A2CE:4F=2C[ 2 5:D9@?@C23=6 5:D492C86 @7E6? 32CD J@F 7C@> C646:G:?8 E9@D6 36?67:ED]k^Am

kAmtG6? H:E9 2 5:D9@?@C23=6 5:D492C86[ J@F >2J 36 23=6 E@ 7:?5 96=A] *@F 42? ECJ ?@?AC@7:E @C82?:K2E:@?D @C AC:G2E6 563E C6=:67 @C 4C65:E 4@F?D6=:?8 7:C>D]k^Am

k9bm$E2E6\DA64:7:4 AC@8C2>Dk^9bm

kAm$E2E6D EJA:42==J 92G6 E96:C @H? 56A2CE>6?ED @7 G6E6C2?D 2772:CD E92E 4@@C5:?2E6 G6E6C2?D 2DD:DE2?46 AC@8C2>D E96C6]k^Am

kAmx? D@>6 42D6D[ E9@D6 AC@8C2>D AC@G:56 8C2?ED E@ ?@?AC@7:E @C82?:K2E:@?D E92E DFAA@CE G6E6C2?D :? E96 DE2E6] !C@8C2>D D@>6E:>6D AC@G:56 DFAA@CE 5:C64E=J E@ G6E6C2?D]k^Am

kAmu@C 6I2>A=6[ }6H *@C< $E2E6VD s6A2CE>6?E @7 '6E6C2?D’ $6CG:46D AC@G:56D FA E@ Sa[___ :? 6>6C86?4J 9@FD:?8 2DD:DE2?46] r2=:7@C?:2 @776CD AC@A6CEJ E2I 6I6>AE:@?D 7@C G6E6C2?D]k^Am

kAm%96D6 AC@8C2>D G2CJ H:56=J 7C@> DE2E6 E@ DE2E6] x? D@>6 42D6D[ J@FC 4:EJ @C 4@F?EJ >2J 2=D@ @776C G6E6C2?D AC@8C2>D] (96? J@F 92G6 ‌E@ 49@@D6 36EH66? A2J:?8 @77 563E 2?5 >66E:?8 @E96C 6IA6?D6D[ 2?J 7@C> @7 7:?2?4:2= DFAA@CE 42? 96=A E96 ?F>36CD 255 FA]k^Am

kAmx? D9@CE[ H9:=6 E96 7656C2= 8@G6C?>6?E AC@G:56D 2 D:8?:7:42?E 2>@F?E @7 DFAA@CE E@ G6E6C2?D[ 5@?VE =:>:E J@FCD6=7 E@ E92E @?6 D@FC46] *@F >2J 7:?5 255:E:@?2= 96=A =@42==J]k^Am

kAm(96? 2AA=J:?8 7@C 2?J G6E6C2?D AC@8C2>[ 36 C625J E@ AC@G:56 2 4@AJ @7 J@FC u@C> ssa`c] %9:D 7@C> 56E2:=D E96 492C24E6C @7 J@FC 5:D492C86 7C@> E96 D6CG:46] *@F >2J 2=D@ ?665 @E96C :?7@C>2E:@? 23@FE J@FC D6CG:46 C64@C5[ H9:49 J@F 42? @3E2:? E9C@F89 E96 }2E:@?2= pC49:G6D] *@F 42? >2<6 E9:D C6BF6DE @?=:?6 E9C@F89 E96 6'6E#64D H63D:E6]k^Am

k9bm}@?AC@7:E ~C82?:K2E:@?D ~776C:?8 '6E6C2? s63E pDD:DE2?46k^9bm

kAm|2?J ?@?AC@7:ED 42? 96=A H:E9 4@F?D6=:?8[ 7:?2?4:2= 2DD:DE2?46[ 2?5 @E96C AC@8C2>D 7@C G6E6C2?D DECF88=:?8 H:E9 563E]k^Am

kAmw6C6 2C6 D@>6 6I2>A=6Dik^Am

kF=mk=:mkDEC@?8m%96 q@3 (@@5CF77 u@F?52E:@?k^DEC@?8m AC@G:56D 8C2?ED E@ @C82?:K2E:@?D E92E 96=A G6E6C2?D] %96:C 6>A92D:D :D @? 2446DD E@ 7@@5[ 9@FD:?8[ 6>A=@J>6?E[ 2?5 962=E942C6]k^=:mk=:mkDEC@?8ms:D23=65 p>6C:42? '6E6C2?D Wsp'Xk^DEC@?8m 96=AD G6E6C2?D 7:== @FE 4=2:>D 7@C 36?67:ED] xE 2=D@ 9@=5D ;@3 72:CD E@ 96=A G6E6C2?D 7:?5 6>A=@J>6?E 2?5 AC@G:56D 7C66 C:56D E@ >65:42= 2AA@:?E>6?ED]k^=:mk=:mkDEC@?8m%96 v2CJ $:?:D6 u@F?52E:@?’Dk^DEC@?8m #6DE@C:?8 x?56A6?56?46 $FAA@CE:?8 t>A@H6C>6?E W#x$tX AC@8C2> 3F:=5D DA64:2==J 252AE65 9@FD:?8 7@C H@F?565 G6E6C2?D]k^=:mk=:mkDEC@?8m~A6C2E:@? w@>67C@?Ek^DEC@?8m 92D 2 rC:E:42= u:?2?4:2= pDD:DE2?46 !C@8C2> E92E 96=AD G6E6C2?D H9@ 2C6 92G:?8 EC@F3=6 >2<:?8 6?5D >66E]k^=:mk=:mkDEC@?8m&$p r2C6Dk^DEC@?8m AC@G:56D 5:C64E 6>6C86?4J 7:?2?4:2= 2DD:DE2?46 E@ G6E6C2?D]k^=:mk=:mkDEC@?8m(2CC:@C #:D:?8k^DEC@?8m AC@G:56D 7F?5:?8 2?5 8F:52?46 E@ G6E6C2?D DE2CE:?8 E96:C @H? 3FD:?6DD6D]k^=:mk^F=m

kAm%9@FD2?5D @7 @E96C =@42= 2?5 ?2E:@?2= ?@?AC@7:E @C82?:K2E:@?D 2C6 565:42E65 E@ 96=A:?8 G6E6C2?D] %96J DA64:2=:K6 :? 96=A:?8 H:E9 G2C:@FD EJA6D @7 ?665D]k^Am

kAmq67@C6 2AA=J:?8 E@ 2? @C82?:K2E:@?[ 5@ 2 =:EE=6 C6D62C49] u:?5 @FE 23@FE E96 @C82?:K2E:@?VD C6AFE2E:@?] (96? :? 5@F3E[ DE66C E@H2C5 @=56C[ >@C6 6DE23=:D965 @C82?:K2E:@?D :?DE625 @7 DE2CE\FAD]k^Am

kAm#6D62C49 E96 AC@8C2>D 2?5 2C62D @7 6>A92D:D] %CJ E@ 7:?5 @?6D E92E 2C6 2=:8?65 H:E9 J@FC D:EF2E:@?[ 32D65 @? J@FC D6CG:46[ A9JD:42= 23:=:E:6D[ 2?5 7:?2?4:2= ?665D]k^Am

kAmv6?6C2==J[ E96C6VD 2 AC@46DD E@ 7@==@H H96? 2AA=J:?8 7@C 2:5] q6 A2E:6?E[ =62C? E96 AC@46DD[ 2?5 AC@G:56 H92E6G6C :?7@C>2E:@? :D C6BF:C65] p=D@[ 2D< 23@FE E96 ?@C>2= C6DA@?D6 E:>6 D@ J@FV== <?@H H96? J@F D9@F=5 7@==@H FA]k^Am

kAmpD :? E96 >:=:E2CJ[ E96C6VD 86?6C2==J 2 C62D@? 7@C E9:D EJA6 @7 AC@46DD] s@:?8 E9:?8D 3J E96 3@@< H:== :>AC@G6 J@FC 492?46D @7 DF446DD]k^Am

k9bm$A64:2=:K65 s63E #6=:67 7@C s:D23=65 '6E6C2?Dk^9bm

kAmx7 J@F H6C6 5:D23=65 2D 2 C6DF=E @7 J@FC >:=:E2CJ D6CG:46[ J@F >2J 92G6 DA64:2= 7:?2?4:2= ?665D] $6G6C2= ?@?AC@7:ED AC@G:56 7:?2?4:2= 2DD:DE2?46 E@ 5:D23=65 G6E6C2?D] $E:==[ E96 36DE A=246 E@ DE2CE :D 3J 7:?5:?8 @FE 23@FE 'p 5:D23:=:EJ 36?67:ED]k^Am

kAmq6?67:ED 2C6 EJA:42==J 32D65 @? E96 D6G6C:EJ @7 J@FC 5:D23:=:EJ 2?5 9@H :E H2D :?4FCC65] %96 'p 2DD:8?D 2 5:D23:=:EJ C2E:?8 32D65 @? E96 568C66 E@ H9:49 J@FC 4@?5:E:@? =:>:ED J@F] x7 J@F 92G6 >@C6 E92? @?6 >65:42= 4@?5:E:@?[ E96 :>A24ED @7 E96D6 4@?5:E:@?D 2C6 4@>3:?65 E@ 42=4F=2E6 J@FC 5:D23:=:EJ C2E:?8]k^Am

kAm%96 'p AC@G:56D 2 5:D23:=:EJ 36?67:E 32D65 @? E9:D 5:D23:=:EJ C2E:?8 2?5 4@?D:56CD H96E96C J@F 92G6 72>:=J >6>36CD H9@ 2C6 7:?2?4:2==J 56A6?56?E @? J@F] w6C6’D 9@H E@ 7:=6 H:E9 E96 'pik^Am

kF=mk=:m$E2CE 3J 7:=:?8 2 5:D23:=:EJ 4=2:>[ H9:49 J@F 42? 5@ k2 9C67lQ9EEADi^^HHH]G2]8@G^5:D23:=:EJ^7:=6\5:D23:=:EJ\4=2:>\7@C>\a`\dae6K^:?EC@5F4E:@?Qm@?=:?6k^2m] *@FV== ?665 :?7@C>2E:@? 7C@> J@FC >65:42= C64@C5D 2?5 DFAA@CE:?8 DE2E6>6?ED 7C@> A6@A=6 72>:=:2C H:E9 J@FC D:EF2E:@?]k^=:mk=:mq6 2D E9@C@F89 2D J@F 42?] xEVD ?@E ;FDE 2 BF6DE:@? @7 H96E96C J@F 86E 2AAC@G65] %96 D:K6 @7 J@FC 36?67:E >2J 56A6?5 @? >2<:?8 DFC6 E96 'p 92D 2== E96 C6=6G2?E :?7@C>2E:@?]k^=:mk=:mq6 AC6A2C65 E@ H2:E 27E6C 7:=:?8] %96 'p E2<6D 23@FE `_f 52JD E@ >2<6 2 564:D:@? 23@FE 5:D23:=:EJ 4=2:>D[ 2?5 E96J >2J C6BF6DE >@C6 :?7@C>2E:@?] %96 72DE6C J@F 42? AC@G:56 :?7@C>2E:@?[ E96 D@@?6C E96 2AA=:42E:@? 42? >@G6 2=@?8]k^=:mk=:m%96 E:>6 2?5 677@CE 4@F=5 AC@G6 H6== H@CE9 :E :7 J@FC 5:D23:=:EJ 36?67:E 2==@HD J@F E@ A2J @77 563E 2?5 >66E J@FC @E96C 6IA6?D6D]k^=:mk^F=m

k9bmp=E6C?2E:G6 s63E #6=:67 ~AE:@?D 7@C '6E6C2?Dk^9bm

kAm$@ 72C[ H6’G6 56E2:=65 7:?2?4:2= 2DD:DE2?46 7C@> 8C2?ED[ A6?D:@?D[ 2?5 5:D23:=:EJ 36?67:ED] *@F 42? 7:?5 @E96C EJA6D @7 563E C6=:67 E@ >2<6 J@FC 563E A2J>6?ED 62D:6C E@ >2?286]k^Am

kAmw6C6’D 2? @G6CG:6H @7 E96D6 EJA6D @7 563E C6=:67]k^Am

k9bm$6CG:46>6>36CD r:G:= #6=:67 p4E AC@E64E:@?Dk^9bm

kAm%96 $6CG:46>6>36CD r:G:= #6=:67 p4E W$r#pX AC@G:56D D@>6 AC@E64E:@? E@ G6E6C2?D H96? >:=:E2CJ D6CG:46 =:>:ED E96:C 23:=:EJ E@ >66E E96:C 7:?2?4:2= @3=:82E:@?D]k^Am

kAms63E C6=:67 2G2:=23=6 F?56C E96 $r#p >2J :?4=F56ik^Am

kF=mk=:m#65F465 :?E6C6DE C2E6D @? 6I:DE:?8 563Ek^=:mk=:ms676CC65 :?4@>6 E2I6Dk^=:mk=:mtG:4E:@? AC6G6?E:@?k^=:mk=:m%6C>:?2E:@? @7 =62D6Dk^=:mk=:m#6A@DD6DD:@? AC6G6?E:@?k^=:mk^F=m

kAm%96 $r#p :D H:56\C2?8:?8[ 2?5 :E’D 2 8@@5 :562 E@ D66< 96=A 7C@> 2 >:=:E2CJ =682= 2DD:DE2?46 @77:46] %2=< E@ D@>6@?6 72>:=:2C H:E9 E96 =2H 2?5 J@FC 4:C4F>DE2?46D E@ 7:8FC6 @FE :7 E96 $r#p 42? 96=A H:E9 J@FC 7:?2?4:2= AC@3=6>D]k^Am

k9bm'p 563E A2J>6?E @AE:@?Dk^9bm

kAmx7 J@F 92G6 2 'p >@CE8286[ D@>6 563E C6=:67 @AE:@?D >:89E >2<6 E9@D6 A2J>6?ED >@C6 >2?28623=6ik^Am

kF=mk=:mp C6A2J>6?E A=2? H:E9 C65F465 >@?E9=J A2J>6?ED]k^=:mk=:ms63E D6EE=6>6?E[ E9C@F89 6:E96C 2 4@>AC@>:D6 @776C @C 2 563E H2:G6C]k^=:mk=:mp 'p :?E6C6DE C2E6 C65F4E:@? C67:?2?46 =@2? 42? =@H6C E96 :?E6C6DE C2E6 J@FVC6 4FCC6?E=J A2J:?8 @? J@FC >@CE8286]k^=:mk=:mtG6? :7 J@FC >@CE8286 :D?VE 2 'p =@2?[ 2 42D9\@FE 'p C67:?2?46 =@2? >:89E 2==@H J@F E@ C67:?2?46 @E96C 563ED 2E 2 =@H6C :?E6C6DE C2E6[ 2?5 @? 2 C6A2J>6?E E:>6=:?6 E92E H@C<D 7@C J@FC 3F586E]k^=:mk^F=m

kAmw@H =@?8 5@6D E96 2AA=:42E:@? AC@46DD 7@C 'p 563E C6=:67 8C2?ED EJA:42==J E2<6nk^Am

kAm'p 563E C6=:67 :D >@C6 =:<6=J E@ 36 2 =@2?[ 2 C65F4E:@? :? A2J>6?ED[ @C 2 H2:G6C @7 D@>6 @7 E96 2>@F?E @H65[ C2E96C E92? 2 563E C6=:67 8C2?E] %96 E:>6 E9:D E2<6D G2C:6D 56A6?5:?8 @? E96 4@>A=6I:EJ @7 J@FC 42D6 2?5 'p DE277:?8 :DDF6D]k^Am

kAm~?46 J@F C6BF6DE 563E C6=:67 7C@> E96 'p[ J@F D9@F=5 :>>65:2E6=J C646:G6 HC:EE6? 4@?7:C>2E:@? E92E E96 C6BF6DE 92D 366? >256] p7E6C E92E[ E96 'p H:== ?@E:7J J@F @7 E96 52E6 @7 2?J 962C:?8[ :7 2AA=:423=6[ @C @7 E96 564:D:@? :? J@FC 42D6]k^Am

k9bmrC65:E 4@F?D6=:?8k^9bm

kAmk2 9C67lQ9EEADi^^HHH]7C665@>563EC6=:67]4@>^=62C?^563E\D@=FE:@?D^4C65:E\42C5\4@F?D6=:?8\AC@D\4@?D^QmrC65:E 4@F?D6=:?8k^2m 7C@> ?@?AC@7:E 4C65:E 4@F?D6=:?8 286?4:6D 4@F=5 96=A J@F 86E 2 92?5=6 @? J@FC 7:?2?46D :7 J@F 28C66 E@ 4@>A=6E6 E96:C 563E A2J@77 AC@8C2>] %96J >2Jik^Am

kF=mk=:m#6G:6H J@FC 7:?2?4:2= D:EF2E:@?k^=:mk=:m$6E FA 2 k2 9C67lQ9EEADi^^HHH]7C665@>563EC6=:67]4@>^563E\D@=FE:@?D^563E\>2?286>6?E^Qm563E >2?286>6?E A=2?k^2m 7@C J@Fk^=:mk=:m}68@E:2E6 H:E9 J@FC 4C65:E@CD E@ =@H6C :?E6C6DE C2E6Dk^=:mk^F=m

kAm%96D6 D6CG:46D 2C6 86?6C2==J 2AA=:65 E@ F?D64FC65 563E[ H9:49 :?4=F56D 4C65:E 42C5 563E[ >65:42= 563E[ 2?5 A6CD@?2= =@2?D]k^Am

kAmrC65:E 4@F?D6=@CD EJA:42==J 492C86 2 766 7@C E96:C D6CG:46D] %96 766 2>@F?E :D 32D65 @? E96 4@F?D6=@C 2?5 E96 D6CG:46D J@F ?665]k^Am

k9bm}68@E:2E65 563E D6EE=6>6?Ek^9bm

kAmp?@E96C 563E C6=:67 E24E:4 2G2:=23=6 E@ G6E6C2?D :D k2 9C67lQ9EEADi^^HHH]7C665@>563EC6=:67]4@>^563E\C6=:67^Qm563E D6EE=6>6?Ek^2m] s63E D6EE=6>6?E :D 2 ?68@E:2E65 28C66>6?E 7@C 2 4C65:E@C E@ 2446AE =6DD E92? E96 7F== 2>@F?E J@F @H6]k^Am

kAm(9J H@F=5 2 4C65:E@C 5@ E9:Dn %96J >2J C62=:K6 :EVD :? E96:C 36DE :?E6C6DE :7 J@F 92G6 =:EE=6 >@?6J 2?5 @E96C 4C65:E@CD 2C6 2=D@ ECJ:?8 E@ 86E >@?6J 7C@> J@F] xE 96=AD :7 J@F 42? D9@H 2 8@@5 C62D@? H9J J@F 3642>6 F?23=6 E@ A2J J@FC 3:==D]k^Am

kAm*@F 4@F=5 2EE6>AE E9:D EJA6 @7 k2 9C67lQ9EEADi^^HHH]7C665@>563EC6=:67]4@>^563E\D@=FE:@?D^9@H\E@\?68@E:2E6\563E\D6EE=6>6?E\@?\J@FC\@H?^Qm563E ?68@E:2E:@? @? J@FC @H?k^2m @C 9:C6 2 AC@76DD:@?2= 563E D6EE=6>6?E 4@>A2?J]k^Am

kAm%96 >2:? 36?67:E @7 9:C:?8 2 AC@76DD:@?2= :D E92E E96JVG6 5@?6 E9:D <:?5 @7 ?68@E:2E:@? DF446DD7F==J >2?J E:>6D] %96J <?@H 9@H E@ 2AAC@249 4C65:E@CD 2?5 E96 <:?5 @7 @776C 2 4C65:E@C :D =:<6=J E@ 2446AE]k^Am

kAms63E D6EE=6>6?E H:== 2AA62C @? J@FC 4C65:E 9:DE@CJ[ 2?5 2?J 2>@F?ED 7@C8:G6? >2J 36 k2 9C67lQ9EEADi^^HHH]7C665@>563EC6=:67]4@>^=62C?^563E\D@=FE:@?D^563E\D6EE=6>6?E\E2I6D^QmEC62E65 2D :?4@>6 7@C E2I AFCA@D6Dk^2m] x7 E96 E@E2= G2=F6 @7 J@FC 563E :D 8C62E6C E92? E96 E@E2= G2=F6 @7 H92E J@F @H? 2E E96 E:>6 J@F D6EE=6 J@FC 563ED[ J@F H@?’E 92G6 E@ A2J :?4@>6 E2I6D @? E96 7@C8:G6? 2>@F?ED]k^Am

kAms63E D6EE=6>6?E 4@F=5 D:8?:7:42?E=J C65F46 H92E J@F @H6 2?5 8:G6 J@F 2 7:?2?4:2= C6D6E]k^Am

k9bmq2?<CFAE4Jk^9bm

kAmq2?<CFAE4J :D 2 =682= AC@46DD 7@C 562=:?8 H:E9 563E] x? 32?<CFAE4J[ J@F 56>@?DEC2E6 E@ 2 4@FCE E92E J@F 42?’E A2J 2== J@FC 563ED] %96 4@FCE E96? 564:56D 9@H E@ 5:G:56 J@FC 2DD6ED 2>@?8 J@FC 4C65:E@CD] s6A6?5:?8 @? E96 EJA6 @7 32?<CFAE4J J@F 7:=6[ J@F >:89E AC@A@D6 2 C6A2J>6?E A=2? E92E E96 ;F586 2AAC@G6D]k^Am

kAm%9:D AFED J@FC 7:?2?46D :? E96 92?5D @7 2 32?<CFAE4J ;F586] ~?46 E96 AC@46DD :D 4@>A=6E6[ J@F D9@F=5 36 AC@E64E65 7C@> 2?J 7FCE96C 4@==64E:@? 2EE6>AED 7@C E96 563ED :?4=F565 :? J@FC 32?<CFAE4J] p 32?<CFAE4J H:== DE2J @? J@FC 4C65:E C64@C5 7@C D6G6? E@ `_ J62CD] q2?<CFAE4J >:89E 36 E96 36DE H2J E@ 86E @? 2 36EE6C 7:?2?4:2= EC24< :7 E96C6VD ?@ @E96C H2J @7 A2J:?8 J@FC 563ED]k^Am

k9bms63E #6=:67 vF:56 7@C '6E6C2?Dk^9bm

kAm'6E6C2? 563E C6=:67 8C2?ED 2?5 @E96C 2DD:DE2?46 2C6 2G2:=23=6 7C@> 2 G2C:6EJ @7 D@FC46D] w6C6’D 2 DF>>2CJ @7 E9@D6 D@FC46D 2?5 E96 EJA6D @7 563E C6=:67 2G2:=23=6]k^Am

k7:8FC6mk:>8 DC4lQ9EEADi^^:>286D]DE24<6C]4@>^H^`ag_^:>286D^DE@C:6D^a_ae^_`^b_^249:6G6\G6E6C2?\563E\C6=:67]A?8Q 2=ElQ%23=6 =:DE:?8 EJA6D @7 563E C6=:67 2?5 E96:C C:89E D@FC46D E@ 2G2:= E96>]Q DEJ=6lQH:5E9i `__TQ ^mk7:842AE:@?muC665@> s63E #6=:67k^7:842AE:@?mk^7:8FC6m

kAm(92E 5@4F>6?E2E:@? 5@ J@F ?665 E@ 2AA=J 7@C G6E6C2? 563E C6=:67 8C2?ED 2?5 @E96C 2DD:DE2?46nk^Am

kAms:776C6?E @C82?:K2E:@?D 92G6 G2CJ:?8 C6BF:C6>6?ED] x7 E96 AC@8C2> :D 56D:8?65 7@C G6E6C2?D[ J@FV== =:<6=J ?665 2 4@AJ @7 J@FC 7@C> ssa`c[ D9@H:?8 E96 ?2EFC6 @7 J@FC 5:D492C86] *@F >2J ?665 @E96C C64@C5D 7C@> J@FC >:=:E2CJ D6CG:46[ 2=@?8 H:E9 J@FC >65:42= C64@C5D]k^Am

k9bm$F446DD $E@C:6D 2?5 r2D6 $EF5:6Dk^9bm

kAmp>6C:42VD G6E6C2?D 92G6 2 AC@F5 9:DE@CJ @7 249:6G6>6?E] %92E :?4=F56D @G6C4@>:?8 7:?2?4:2= @3DE24=6D 2D E96J EC2?D:E:@? E@ 4:G:=:2? =:76] w6C6 2C6 D@>6 6I2>A=6D E92E 92G6 366? 5@4F>6?E65 :? ?2E:@?2= ?6HD DE@C:6Dik^Am

kF=mk=:m~?6 G6E6C2? 2>2DD65 S``_[___ :? 563E 27E6C =62G:?8 E96 >:=:E2CJ :? a_`_] p 563E C6=:67 AC@8C2> 96=A65 96C A2J @77 Sf_[___ @7 E92E 563E] $96 4@F=5 E96? A2J 5@H? E96 C6>2:?:?8 Sc_[___ @? 96C @H?]k^=:mk=:mp?@E96C G6E6C2? A2:5 @77 Sbf[___ :? 563E H:E9 E96 96=A @7 2 563E C6=:67 AC@8C2>] v6EE:?8 C:5 @7 E92E 563E 6?23=65 96C E@ 86E 2 'p =@2? E@ 3FJ 2 9@>6]k^=:mk=:m&D:?8 >@C6 E92? @?6 563E C6=:67 E@@= 42? 96=A 86E E96 ;@3 5@?6] ~?6 G6E6C2? FD65 >:=:E2CJ 5:D23:=:EJ 4@>A6?D2E:@? E@ 86E DE2CE65 C6A2J:?8 Sad[___ :? 4C65:E 42C5 563E] p7E6C E92E[ E96 G6E FD65 2 563E 4@?D@=:52E:@? =@2? E@ C65F46 E96 4@DE @7 E92E 563E]k^=:mk^F=m

kAm}@H :EVD E:>6 E@ HC:E6 J@FC @H? DF446DD DE@CJ] *@F 5@?VE 92G6 E@ 36 56762E65 3J 563E] (:E9 E96 C:89E 96=A[ J@F 42? 36 G:4E@C:@FD]k^Am

kAmk2 9C67lQ9EEADi^^HHH]7C665@>563EC6=:67]4@>^=62C?^563E\C6=:67^G6E6C2?\563E\C6=:67\8C2?ED^Qmk6>m%9:D DE@CJk^6>mk^2m k6>mH2D AC@5F465 3Jk^6>m k2 9C67lQ9EEADi^^HHH]7C665@>563EC6=:67]4@>^Qmk6>muC665@> s63E #6=:67k^6>mk^2m k6>m2?5 C6G:6H65 2?5 5:DEC:3FE65 3Jk^6>m k2 9C67lQ9EEADi^^9F3D]=2^"_b<=8$#_Q C6=lQ?@7@==@HQmk6>m$E24<6Ck^6>mk^2m]k^Am