Personal injury deadlines: How long you have to file a claim in every state

k9bmkDEC@?8m!6CD@?2= :?;FCJ DE2EFE6 @7 =:>:E2E:@?Di w@H =@?8 J@F 92G6 E@ 7:=6 :? 6G6CJ DE2E6k^DEC@?8mk^9bm

kAmx>28:?6 86EE:?8 D6C:@FD=J 9FCE :? 2 42C 244:56?E 2?5 E96? 7:?5:?8 @FE EH@ J62CD =2E6C E92E :EVD E@@ =2E6 E@ 7:=6 2 4=2:>] xE 92AA6?D >@C6 @7E6? E92? J@FV5 E9:?<] |2?J A6@A=6 5@?VE C62=:K6 E96C6VD 2 92C5 5625=:?6 E@ E2<6 =682= 24E:@?[ 2?5 @?46 :E A2DD6D[ D@ 5@6D J@FC 492?46 2E 4@>A6?D2E:@?]k^Am

kAmtG6CJ DE2E6 D6ED 2 =682= 5625=:?6[ 42==65 E96 DE2EFE6 @7 =:>:E2E:@?D[ 7@C 7:=:?8 A6CD@?2= :?;FCJ =2HDF:ED] |:DD E92E H:?5@H[ 2?5 J@F >2J =@D6 J@FC C:89E E@ D66< 52>286D 6?E:C6=J] qFE 96C6VD E96 42E49—E96D6 5625=:?6D G2CJ] $@>6 DE2E6D 8:G6 J@F D:I J62CD] ~E96CDn yFDE @?6]k^Am

kAmk2 9C67lQ9EEADi^^E96f_a7:C>]4@>Qm%wtf_aux#| x?;FCJ pEE@C?6JDk^2m 3C62<D :E 2== 5@H? 36=@H[ 5:D4FDD:?8 E96 DE2EFE6 @7 =:>:E2E:@?D :? 6G6CJ DE2E6[ 6IA=2:?:?8 6I46AE:@?D =:<6 E96 5:D4@G6CJ CF=6 2?5 E@==:?8[ 2?5 D9@H:?8 9@H C62=\H@C=5 42D6D 9:?86 @? E:>:?8] (96E96C J@FVC6 :? E96 >:55=6 @7 2 4=2:> @C ;FDE H2?E E@ DE2J :?7@C>65[ <?@H:?8 J@FC DE2E6VD 5625=:?6 4@F=5 >2<6 @C 3C62< J@FC 42D6]k^Am

k9bm(9J 5@ A6CD@?2= :?;FCJ 5625=:?6D 6I:DE :? E96 7:CDE A=246nk^9bm

kAm$E2EFE6D @7 =:>:E2E:@?D 2C6 E:>6 =:>:ED E92E >2<6 DFC6 =682= 4=2:>D 2C6 7:=65 H9:=6 E96 724ED 2C6 DE:== 7C6D9] ~?46 E@@ >F49 E:>6 A2DD6D[ 6G:56?46 42? 5:D2AA62C[ 2?5 >6>@C:6D 7256] %92EVD H9J E96 4=@4< DE2CED E:4<:?8 E96 52J E96 :?;FCJ 92AA6?D]k^Am

kAm%96C6VD 2 32=2?46 2E A=2J] s676?52?ED D9@F=5?VE 7246 E96 E9C62E @7 =2HDF:ED J62CD 5@H? E96 =:?6[ 2?5 :?;FC65 A6@A=6 56D6CG6 2 4=62C H:?5@H E@ E2<6 24E:@?] r@FCED H2?E E96D6 42D6D 92?5=65 H9:=6 E96JVC6 DE:== 8C@F?565 :? 4FCC6?E[ C6=:23=6 :?7@C>2E:@?[ ?@E 92KJ 56E2:=D 7C@> J62CD 28@]k^Am

kAmkDEC@?8m%96 5:776C6?46 36EH66? 7:=:?8 2?5 D6EE=:?8k^DEC@?8mk^Am

kAm~?6 4@>>@? >JE9 :D E92E DE2CE:?8 D6EE=6>6?E E2=<D 3FJD J@F >@C6 E:>6[ 3FE :E 5@6D?VE] %96 DE2EFE6 @7 =:>:E2E:@?D :D @?=J 23@FE E96 5625=:?6 E@ 7:=6 2 =2HDF:E[ ?@E H96? J@F C6A@CE E96 :?;FCJ @C E2=< E@ 2? :?DFC2?46 4@>A2?J] *@F 4@F=5 36 566A :? ?68@E:2E:@? 2?5 DE:== =@D6 J@FC C:89E E@ DF6 k2 9C67lQ9EEADi^^HHH]?@=@]4@>^=682=\6?4J4=@A65:2^E:>6\=:>:ED\A6CD@?2=\:?;FCJ\=2HDF:E\H2E49\E96\DE2EFE6\=:>:E2E:@?D]9E>=RiOiE6IEl(92E6G6CTa_DE2EFE6Ta_@7Ta_=:>:E2E:@?DTa_2AA=:6DTa_E@Ta_J@FCTa_A@E6?E:2=Ta_42D6TarTa_:7Ta_E96Ta_5625=:?6Ta_92DTa_A2DD65Ta_2?5Ta_J@FTa_ECJTa_E@Ta_7:=6Ta_2Ta_=2HDF:ETa_2?JH2JTarTa_E96Ta_4@FCETa_:DTa_DFC6Ta_E@Ta_5:D>:DDTa_J@FCTa_42D6TarTa_2?5Ta_J@FTaf==Ta_92G6Ta_=@DETa_2?JTa_492?46Ta_E@Ta_86ETa_4@FCETas@C56C65Ta_4@>A6?D2E:@?Ta_7@CTa_J@FCTa_:?;FC:6DTa_2?5Ta_C6=2E65Ta_=@DD6D]Qm:7 E96 5625=:?6 A2DD6Dk^2m]k^Am

kAmkDEC@?8mu2:C?6DD 7@C 3@E9 D:56Dk^DEC@?8mk^Am

kAm%96D6 =2HD 2:> E@ DEC:<6 2 72:C 32=2?46] %96J AC@E64E 5676?52?ED 7C@> 6?5=6DD =682= C:D< H9:=6 8:G:?8 G:4E:>D 2 7:C> E:>6=:?6 E@ 24E] (9:=6 E96 5625=:?6D G2CJ 3J DE2E6[ E96 :562 369:?5 E96> DE2JD E96 D2>6i >2<6 E96 =682= AC@46DD AC65:4E23=6[ 72:C[ 2?5 E:>6=J 7@C 6G6CJ@?6 :?G@=G65]k^Am

k9bmw@H >F49 E:>6 5@ J@F C62==J 92G6n w6C6VD H92E 6249 DE2E6 2==@HDk^9bm

kAm~?6 @7 E96 62D:6DE >:DE2<6D 2? :?;FCJ G:4E:> 42? >2<6 :D 2DDF>:?8 E96J 92G6 >@C6 E:>6 E92? E96J 5@] %96 ECFE9 :D E92E E96 5625=:?6 E@ 7:=6 2 A6CD@?2= :?;FCJ =2HDF:E G2C:6D 5C2>2E:42==J 56A6?5:?8 @? H96C6 J@F =:G6] |:DD :E[ 2?5 J@FC C:89E E@ C64@G6C 52>286D—?@ >2EE6C 9@H G2=:5 J@FC 42D6—4@F=5 36 8@?6 7@C 8@@5]k^Am

kAmw6C6VD 2 k2 9C67lQ9EEADi^^HHH]?@=@]4@>^=682=\6?4J4=@A65:2^DE2EFE6\@7\=:>:E2E:@?D\DE2E6\=2HD\492CE\ahhc`]9E>=QmDE2E6\3J\DE2E6 8F:56k^2m E@ BF:4<=J =@@< FA J@FC DE2E6VD DE2EFE6 @7 =:>:E2E:@?D[ 2=@?8 H:E9 E96 C6=6G2?E =682= 4@56ik^Am

k7:8FC6mk:>8 DC4lQ9EEADi^^:>286D]DE24<6C]4@>^H^`ag_^:>286D^DE@C:6D^a_ad^_f^ac^4:G:=\DE2EFE6D\@7\=:>:E2E:@?DaI]A?8Q 2=ElQ$E2E6\3J\DE2E6 8F:56 E@ DE2EFE6 @7 =:>:E2E:@?D 2=@?8 H:E9 E96 C6=6G2?E =682= 4@56]Q DEJ=6lQH:5E9i `__TQ ^mk7:842AE:@?m%wtf_aux#| x?;FCJ pEE@C?6JDk^7:842AE:@?mk^7:8FC6m

kAm(92E 5@ E96 ?F>36CD D2Jnk^Am

kAm{@@<:?8 2E DE2E6 =2HD[ D@>6 A2EE6C?D DE2?5 @FEik^Am

kF=mk=:mkDEC@?8mag DE2E6Dk^DEC@?8m 8:G6 J@F kDEC@?8ma J62CDk^DEC@?8m E@ 7:=6 >@DE A6CD@?2= :?;FCJ 4=2:>D]k^=:mk=:mkDEC@?8m`a DE2E6Dk^DEC@?8m 2==@H kDEC@?8mb J62CDk^DEC@?8m[ 8:G:?8 2 3:E >@C6 3C62E9:?8 C@@>]k^=:mk=:mkDEC@?8md DE2E6Dk^DEC@?8m FD6 2 >@C6 4@>A=6I D6EFA[ H:E9 =:>:ED C2?8:?8 7C@> kDEC@?8m` E@ e J62CDk^DEC@?8m 56A6?5:?8 @? E96 :?;FCJ @C H9@VD :?G@=G65]k^=:mk^F=m

kAm%96D6 5:776C6?46D >2EE6C] x7 J@FVC6 :?;FC65 :? %6??6DD66[ J@F >:89E 92G6 ;FDE @?6 J62C E@ 24E] qFE :? |2:?6[ J@F 4@F=5 92G6 FA E@ D:I] p?5 E96 EJA6 @7 42D6 >2EE6CD[ E@@] x?;FC:6D :?G@=G:?8 8@G6C?>6?E 286?4:6D[ 42C 244:56?ED[ @C DA64:7:4 EJA6D @7 92C> 42? 2== 4@>6 H:E9 5:776C6?E CF=6D[ 6G6? H:E9:? E96 D2>6 DE2E6]k^Am

k9bm(96? E96 4=@4< A2FD6Di z6J 6I46AE:@?D E@ 7:=:?8 5625=:?6Dk^9bm

kAm$E2EFE6D @7 =:>:E2E:@?D >2J D@F?5 =:<6 92C5 5625=:?6D[ 3FE :? D@>6 42D6D[ E96 =2H 8:G6D :?;FC65 A6@A=6 >@C6 E:>6] %96D6 6I46AE:@?D 42? 6IE6?5 @C A2FD6 E96 4@F?E5@H?[ 3FJ:?8 J@F 4C:E:42= 3C62E9:?8 C@@> :7 J@FC :?;FCJ :D?VE :>>65:2E6=J @3G:@FD @C F?:BF6 4:C4F>DE2?46D 2AA=J] z?@H:?8 9@H E96J H@C< 4@F=5 36 E96 5:776C6?46 36EH66? 2 5:D>:DD65 42D6 2?5 2 G2=:5 4=2:>]k^Am

k9bm%96 5:D4@G6CJ CF=6i (96? J@F 5@?VE <?@H J@FVC6 :?;FC65—J6Ek^9bm

kAm}@E 6G6CJ :?;FCJ :D :>>65:2E6] $@>6 92C> @?=J D9@HD FA =2E6C[ 2?5 E92EVD H96C6 E96 k2 9C67lQ9EEADi^^HHH]:C>:]4@>^E6C>^:?DFC2?46\567:?:E:@?D^5:D4@G6CJ\CF=6Qm5:D4@G6CJ CF=6k^2m 4@>6D :?] xE 56=2JD E96 DE2EFE6 @7 =:>:E2E:@?D F?E:= E96 :?;FC65 A6CD@? <?6H @C C62D@?23=J D9@F=5 92G6 <?@H? 23@FE E96 :?;FCJ]k^Am

kAmkDEC@?8m$@>6 C62=\H@C=5 6I2>A=6D :?4=F56ik^DEC@?8mk^Am

kF=mk=:m{@?8\E6C> 6IA@DFC6 E@ 92C>7F= 496>:42=D E92E E2<6 J62CD E@ 42FD6 DJ>AE@>D]k^=:mk=:mp DFC8:42= 6CC@C E92E H2D @?=J C6G62=65 5FC:?8 2 =2E6C AC@465FC6]k^=:mk=:mp >65:42= >:D5:28?@D:D E92E H@CD6?65 367@C6 :E H2D 42F89E]k^=:mk^F=m

kAm(96E96C J@FC DE2E6 2==@HD E96 5:D4@G6CJ CF=6 56A6?5D @? E96 D:EF2E:@?] $@>6 DE2E6D 2AA=J :E 3C@25=J[ H9:=6 @E96CD C6DEC:4E :E E@ 46CE2:? 42D6 EJA6D[ =:<6 >65:42= >2=AC24E:46] %96 5:D4@G6CJ CF=6 6I:DED 3642FD6 72:C?6DD 56>2?5D D@>6 7=6I:3:=:EJ[ 6DA64:2==J H96? :?;FC:6D 2C6 9:556? @C 56=2J65]k^Am

k9bm%@==:?8 AC@G:D:@?Di (96? E:>6 =682==J DE@ADk^9bm

kAmk2 9C67lQ9EEADi^^HHH]:C>:]4@>^E6C>^:?DFC2?46\567:?:E:@?D^E@==:?8\2\DE2EFE6\@7\=:>:E2E:@?DQm%@==:?8k^2m :D 2?@E96C H2J E96 DE2EFE6 @7 =:>:E2E:@?D 42? A2FD6] xE 2AA=:6D :? DA64:7:4 =682= D:EF2E:@?D H96C6 E96 4=@4< 6:E96C DE@AD E:4<:?8 @C ?6G6C DE2CED F?E:= 46CE2:? 4@?5:E:@?D 2C6 >6E]k^Am

kAmkDEC@?8m%H@ 4@>>@? D46?2C:@Dik^DEC@?8mk^Am

k@=mk=:mkDEC@?8m%96 :?;FC65 A6CD@? :D 2 >:?@C]k^DEC@?8m |@DE DE2E6D A2FD6 E96 DE2EFE6 @7 =:>:E2E:@?D F?E:= E96 A6CD@? EFC?D `g] p7E6C E92E[ E96C6VD FDF2==J 2 `–a J62C 8C246 A6C:@5 E@ 7:=6] x? k2 9C67lQ9EEADi^^42D6=2H]7:?5=2H]4@>^4@FCE^42\DFAC6>6\4@FCE^a`bedeh]9E>=Qm$92=23: G] r:EJ @7 u@?E2?2k^2m[ 2 >:?@C DF446DD7F==J 7:=65 J62CD =2E6C 3642FD6 r2=:7@C?:2 =2H A2FD65 E96 5625=:?6 F?E:= 96 EFC?65 a_]k^=:mk=:mkDEC@?8m%96 5676?52?E 5:D2AA62CD @C 9:56D]k^DEC@?8m x7 E96 A6CD@? C6DA@?D:3=6 D<:AD E@H?[ 9:56D E96:C :56?E:EJ[ @C 5@586D =682= D6CG:46[ E96 5625=:?6 @7E6? A2FD6D] u@C 6I2>A=6[ r2=:7@C?:2VD k2 9C67lQ9EEADi^^4@56D]7:?5=2H]4@>^42^4@56\@7\4:G:=\AC@465FC6^44A\D64E\bd`^Qmrr! § bd`k^2m E@==D E96 4=@4< F?E:= E96 5676?52?E :D =@42E65 @C C6EFC?D E@ E96 DE2E6]k^=:mk^@=m

k9bmtI46AE:@?D 6I:DE[ 3FE 86E 4@?7:C>2E:@?k^9bm

kAm%96D6 6I46AE:@?D 6I:DE E@ <66A E96 AC@46DD 72:C[ 3FE E96JVC6 ?@E 2FE@>2E:4] *@FV== ?665 E@ AC@G6 E96J 2AA=J E@ J@FC 42D6] %92EVD H9J :EVD D>2CE E@ E2=< E@ 2 =682= 6IA6CE 62C=J @?[ 6DA64:2==J :7 J@FVC6 F?DFC6 23@FE 5625=:?6D @C E9:?< 2? 6I46AE:@? >:89E 2AA=J]k^Am

k9bmw@H >:?@CD 2C6 AC@E64E65i %@==:?8 CF=6D 3J DE2E6k^9bm

kAmz:5D 42?VE 2=H2JD 24E @? E96:C @H? 27E6C 2? :?;FCJ[ 2?5 E96 =2H C64@8?:K6D E92E] |@DE DE2E6D A2FD6 E96 DE2EFE6 @7 =:>:E2E:@?D 7@C >:?@CD F?E:= E96J EFC? `g] w@H6G6C[ E96 6I24E CF=6D G2CJ 3J DE2E6 2?5 3J 42D6 EJA6[ 6DA64:2==J H96? >65:42= >2=AC24E:46 :D :?G@=G65]k^Am

k9bmw@H c >2;@C DE2E6D 92?5=6 >:?@C :?;FCJ 4=2:>Dk^9bm

kAmkDEC@?8mr2=:7@C?:2k^DEC@?8mk^Am

kF=mk=:mkDEC@?8m$E2?52C5 CF=6ik^DEC@?8m %96 4=@4< DE@AD k2 9C67lQ9EEADi^^D6=796=A]4@FCED]42]8@G^4:G:=\=2HDF:E^DE2EFE6\=:>:E2E:@?DQmF?E:= E96 49:=5 EFC?D `gk^2m] p7E6C E92E[ E96J 92G6 a J62CD E@ 7:=6[ D@ E96 7:?2= 5625=:?6 :D E96:C a_E9 3:CE952J]k^=:mk=:mkDEC@?8m|65:42= >2=AC24E:46ik^DEC@?8m u@C 3:CE9 :?;FCJ 42D6D[ DA64:7:42==J[ E96 4=2:> >FDE 36 7:=65 k2 9C67lQ9EEADi^^HHH]46C63C2=A2=DJ8F:56]4@>^=682=^3:CE9\:?;FCJ\DE2EFE6\@7\=:>:E2E:@?D^QmH:E9:? @?6 J62C @7 E96 49:=5VD 3:CE9k^2m]k^=:mk^F=m

kAmkDEC@?8m%6I2Dk^DEC@?8mk^Am

kF=mk=:mkDEC@?8m$E2?52C5 CF=6ik^DEC@?8m %@==:?8 2AA=:6D F?E:= 286 `g[ H:E9 k2 9C67lQ9EEADi^^HHH]?@=@]4@>^=682=\6?4J4=@A65:2^H92E\:D\E96\A6CD@?2=\:?;FCJ\DE2EFE6\@7\=:>:E2E:@?D\:?\E6I2D]9E>=Qma J62CD E@ 7:=6k^2m 27E6C[ >2<:?8 E96 5625=:?6 E96 49:=5VD a_E9 3:CE952J]k^=:mk=:mkDEC@?8m|65:42= >2=AC24E:46ik^DEC@?8m }@ E@==:?8 96C6] !2C6?ED >FDE 24E H:E9:? E96 ?@C>2= DE2EFE6 @7 =:>:E2E:@?D @? E96 49:=5VD 3692=7 Wa J62CDX]k^=:mk^F=m

kAmkDEC@?8m}6H *@C<k^DEC@?8mk^Am

kF=mk=:mkDEC@?8m$E2?52C5 CF=6ik^DEC@?8m |:?@CD 92G6 b J62CD 7C@> H96? E96J EFC? `g E@ k2 9C67lQ9EEADi^^HHH]?J432C]@C8^86E\=682=\96=A^2CE:4=6^A6CD@?2=\:?;FCJ\2?5\244:56?ED^DE2EFE6D\=:>:E2E:@?^QmDF6 7@C A6CD@?2= :?;FCJk^2m[ >2<:?8 E96:C a`DE 3:CE952J E96 7:=:?8 5625=:?6]k^=:mk=:mkDEC@?8m|65:42= >2=AC24E:46ik^DEC@?8m %96C6VD 2 92C5 `_\J62C 42A[ >62?:?8 J@F >FDE 7:=6 H:E9:? `_ J62CD @7 E96 52E6 @7 E96 >2=AC24E:46[ ?@ >2EE6C E96 49:=5VD 286 2E E96 E:>6 @7 :?;FCJ]k^=:mk^F=m

kAmkDEC@?8m}6G252k^DEC@?8mk^Am

kF=mk=:mkDEC@?8m$E2?52C5 CF=6k^DEC@?8mi %@==:?8 2AA=:6D F?E:= 286 `g[ H:E9 a 255:E:@?2= J62CD E@ 7:=6 27E6C EFC?:?8 `gj E96 5625=:?6 :D E96 49:=5VD a_E9 3:CE952J]k^=:mk=:mkDEC@?8m|65:42= >2=AC24E:46k^DEC@?8mi u@C >@DE 42D6D[ E96 DE2EFE6 :D ?@E E@==65 7@C >:?@CD] r=2:>D >FDE 36 7:=65 H:E9:? b J62CD @7 E96 :?;FCJ @C ` J62C 27E6C 5:D4@G6CJ[ H9:496G6C :D D@@?6C] u@C 42D6D :?G@=G:?8 3C2:? 52>286 @C 3:CE9 56764ED[ E96 5625=:?6 :D 6IE6?565 F?E:= E96 49:=5’D `_E9 3:CE952J] x? 42D6D @7 DE6C:=:EJ[ E96 4=2:> >FDE 36 7:=65 H:E9:? a J62CD @7 5:D4@G6CJ]k^=:mk^F=m

kAm(92E 6=D6 :D E96C6 E@ <?@H H96? 2 49:=5 :D :?;FC65nk^Am

kAmqC:?8:?8 2 4=2:> 7@C 2 49:=5 2=D@ 4@>6D H:E9 6IEC2 =682= DE6AD E@ AC@E64E E96:C C:89ED[ :?4=F5:?8ik^Am

kF=mk=:mkDEC@?8mvF2C5:2? 25 =:E6>]k^DEC@?8m r@FCED FDF2==J 2AA@:?E 2 A2C6?E @C =682= 8F2C5:2? E@ k2 9C67lQ9EEADi^^HHH]=2H]4@C?6==]65F^H6I^8F2C5:2?0250=:E6>QmC6AC6D6?E E96 49:=5 :? 4@FCE 7@C>2==Jk^2m]k^=:mk=:mkDEC@?8mr@FCE 2AAC@G2= @7 D6EE=6>6?ED]k^DEC@?8m p?J k2 9C67lQ9EEADi^^E96f_a7:C>]4@>^3=@8^2C6\42C\244:56?E\42D6D\5:776C6?E\:7\49:=5C6?\2C6\:?G@=G65^QmD6EE=6>6?E :?G@=G:?8 2 >:?@Ck^2m EJA:42==J ?665D 2 ;F586VD D:8?\@77 E@ 6?DFC6 :EVD 72:C 2?5 :? E96 49:=5VD 36DE :?E6C6DE]k^=:mk^F=m

kAm%96D6 AC@E64E:@?D 2C6 6DD6?E:2=[ 3FE E96J 2=D@ >2<6 :E 6G6? >@C6 :>A@CE2?E E@ H@C< H:E9 2? 2EE@C?6J H9@ <?@HD 9@H E96D6 CF=6D A=2J @FE] ~?6 >:DD65 DE6A @C >:DF?56CDE@@5 6I46AE:@? 4@F=5 >62? =@D:?8 E96 492?46 E@ C64@G6C 52>286D]k^Am

k9bm(92E 92AA6?D :7 J@F >:DD E96 5625=:?6nk^9bm

kAm(96? E96 DE2EFE6 @7 =:>:E2E:@?D CF?D @FE[ D@ 5@6D J@FC =682= C:89E E@ 7:=6 2 A6CD@?2= :?;FCJ 4=2:>] xE 5@6D?VE >2EE6C 9@H DEC@?8 J@FC 42D6 :D @C 9@H D@=:5 E96 6G:56?46 :D[ 4@FCED C2C6=J >2<6 6I46AE:@?D] w6C6 2C6 E9C66 4@>>@? @FE4@>6Dik^Am

kAmkDEC@?8m`] *@FC 42D6 86ED E@DD65] }@ EC:2=[ ?@ 6I46AE:@?D]k^DEC@?8mk^Am

kAmr@FCED 5@?VE 36?5 @? 5625=:?6D] x7 J@F 7:=6 6G6? @?6 52J =2E6[ E96 5676?52?E 42? 2D< 7@C 2 5:D>:DD2=[ 2?5 :? >@DE 42D6D[ E96 ;F586 92D E@ 8C2?E :E] %96C6VD ?@ EC:2=[ ?@ 492?46 E@ 6IA=2:?[ 2?5 ?@ 2AA62= F?=6DD 2 G6CJ ?2CC@H 6I46AE:@? 2AA=:6D] u:=:?8 @FED:56 E96 DE2EFE6 @7 =:>:E2E:@?D FDF2==J >62?D J@FC 42D6 :D A6C>2?6?E=J 32CC65] xEVD @G6C 367@C6 :E DE2CED]k^Am

kAmkDEC@?8ma] *@FC ?68@E:2E:?8 A@H6C 5:D2AA62CD]k^DEC@?8mk^Am

kAmtG6? :7 J@F ?6G6C A=2??65 E@ 8@ E@ 4@FCE[ >:DD:?8 E96 =682= 5625=:?6 DE:== 9FCED J@F] ~?46 J@FC C:89E E@ DF6 :D 8@?6[ :?DFC2?46 4@>A2?:6D <?@H E96JVC6 @77 E96 9@@<] %96JV== @7E6? DE@A ?68@E:2E:?8 W@C @776C 2 =@H32== 2>@F?EX 3642FD6 E96J <?@H J@F 42?VE =682==J 7@C46 2 A2J@FE] %9:D :D H96C6 >2?J G:4E:>D 86E DEF4<] %96J >2J DE:== 36 :?;FC65 2?5 ?665 96=A[ 3FE H:E9@FE E96 =682= =6G6C286[ E96JVC6 @FE @7 @AE:@?D]k^Am

kAmkDEC@?8mb] *@F =@D6 E96 492?46 E@ D6EE=6[ ?@ >2EE6C 9@H G2=:5 J@FC 42D6 :D]k^DEC@?8mk^Am

kAm&?=:<6 4C:>:?2= 42D6D[ A6CD@?2= :?;FCJ 4=2:>D 5@?VE 4@>6 H:E9 8C246 A6C:@5D] ~?46 E96 DE2EFE6 6IA:C6D[ E96C6VD ?@ =682= @3=:82E:@? 7@C 2?J@?6 E@ 4@?D:56C J@FC 4=2:>] |@DE :?DFC2?46 A@=:4:6D H@?VE 4@G6C =2E6\7:=65 42D6D 6:E96C]k^Am

kAm%92E >62?D 6G6? 4=62C\4FE 42D6D H:E9 D6C:@FD :?;FC:6D @C @3G:@FD 72F=E 42?VE >@G6 7@CH2C5] }@ 4@FCE[ ?@ D6EE=6>6?E[ ?@ D64@?5 492?46]k^Am

k9bmw@H E@ AC@E64E J@FC A6CD@?2= :?;FCJ 4=2:>i p c\DE6A 4964<=:DEk^9bm

kAmw6C6VD 2 D:>A=6 7@FC\DE6A 4964<=:DE E@ 96=A J@F DE2J @? EC24< 2?5 AC6D6CG6 J@FC C:89E E@ 4@>A6?D2E:@?ik^Am

kAmkDEC@?8m`] s@4F>6?E 6G6CJE9:?8 C:89E 27E6C E96 :?;FCJk^DEC@?8mk^Am

kAm$E2CE 82E96C:?8 AC@@7 2D D@@? 2D E96 :?4:56?E 92AA6?D] %2<6 A9@E@D[ 86E 4@?E24E :?7@ 7C@> H:E?6DD6D[ 2?5 D66 2 5@4E@C :>>65:2E6=J] s6E2:=65 C64@C5D 7C@> 52J @?6 42? >2<6 @C 3C62< J@FC 42D6]k^Am

kAmkDEC@?8ma] r@?7:C> J@FC DE2E6VD 5625=:?6k^DEC@?8mk^Am

kAmtG6CJ DE2E6 D6ED :ED @H? 7:=:?8 H:?5@H[ FDF2==J @?6 E@ D:I J62CD] qFE E92E E:>6=:?6 42? D9:7E 56A6?5:?8 @? E96 EJA6 @7 :?;FCJ[ H9@VD :?G@=G65[ @C :7 2 8@G6C?>6?E 286?4J :D A2CE @7 E96 42D6] xEVD 4C:E:42= E@ =@4< :? J@FC 5625=:?6 62C=J E@ 2G@:5 4@DE=J DFCAC:D6D]k^Am

kAmkDEC@?8mb] r964< 7@C 6I46AE:@?D E92E A2FD6 E96 4=@4<k^DEC@?8mk^Am

kAm$@>6 D:EF2E:@?D >2J 8:G6 J@F 6IEC2 E:>6] x7 J@F H6C6 2 >:?@C H96? :?;FC65 @C @?=J 5:D4@G6C65 E96 92C> =2E6C[ E@==:?8 AC@G:D:@?D >:89E 2AA=J] qFE E96 CF=6D G2CJ 3J DE2E6[ 2?5 E96JVC6 ?@E 2=H2JD DEC2:89E7@CH2C5] p =682= 6IA6CE 42? 96=A J@F D@CE :E @FE]k^Am

kAmkDEC@?8mc] {@4< 5@H? J@FC 6G:56?46 367@C6 J@F 7:=6k^DEC@?8mk^Am

kAm|2<6 DFC6 2== J@FC <6J 6G:56?46 :D D64FC6 367@C6 7:=:?8] z66A 5:8:E2= 2?5 A9JD:42= C64@C5D @C82?:K65[ 2G@:5 2=E6C:?8 2?JE9:?8[ 2?5 C6BF6DE @77:4:2= C6A@CED =:<6 A@=:46 @C :?4:56?E C64@C5D] !C6D6CG65 6G:56?46 >2<6D J@FC 4=2:> DEC@?86C 2?5 92C56C 7@C E96 5676?D6 E@ 492==6?86]k^Am

k9bm|:DD E96 s625=:?6[ |:DD *@FC r2D6i s@?’E #:D< xEk^9bm

kAm%96 7:=:?8 5625=:?6 7@C A6CD@?2= :?;FCJ 4=2:>D :D?VE E96 D2>6 6G6CJH96C6] $@>6 DE2E6D 8:G6 J@F ;FDE @?6 J62C W=:<6 %6??6DD66X[ H9:=6 @E96CD @776C FA E@ D:I W=:<6 |2:?6 @C }@CE9 s2<@E2X] }6G252[ :?4=F5:?8 {2D '682D[ D6ED 2 EH@\J62C DE2EFE6 @7 =:>:E2E:@?D 7@C >@DE A6CD@?2= :?;FCJ 42D6D[ >62?:?8 J@F 86?6C2==J 92G6 EH@ J62CD 7C@> E96 52E6 @7 J@FC :?;FCJ E@ 7:=6 2 =2HDF:E] %92E H:56 C2?86 >2<6D :E 4CF4:2= E@ <?@H J@FC DE2E6VD CF=6D 2?5 E@ 24E 72DE 27E6C 2? :?;FCJ]k^Am

kAm~?6 E9:?8 :D 4@?D:DE6?Ei J@FC C:89E E@ 4@>A6?D2E:@? :D FDF2==J 8@?6 @?46 E96 5625=:?6 A2DD6D] (2:E:?8 E@@ =@?8 42? =625 E@ 2FE@>2E:4 5:D>:DD2=[ =@DE ?68@E:2E:@? A@H6C[ 2?5 ?@ =682= @AE:@?D[ 6G6? :7 J@FC 42D6 :D D@=:5] %92EVD H9J E2=<:?8 E@ 2 A6CD@?2= :?;FCJ =2HJ6C 62C=J >2EE6CD] %96J 42? 6IA=2:? J@FC DE2E6VD 5625=:?6[ 4964< 7@C 2?J E@==:?8 6I46AE:@?D[ 2?5 96=A AC@E64E J@FC C:89E E@ 7:=6 367@C6 E:>6 CF?D @FE]k^Am

kAm%96 H:?5@H E@ 24E :D?VE @A6? 7@C6G6C] x56?E:7J J@FC 5625=:?6[ >2<6 2 A=2?[ 2?5 8:G6 J@FCD6=7 E96 36DE 492?46 E@ C64@G6C H92E J@FVC6 @H65]k^Am

kAmk2 9C67lQ9EEADi^^E96f_a7:C>]4@>^3=@8^A6CD@?2=\:?;FCJ\DE2EFE6\@7\=:>:E2E:@?D\9@H\=@?8\7:=6\A6C\DE2E6^Qmk6>m%9:D DE@CJk^6>mk^2m k6>mH2D AC@5F465 3Jk^6>m k2 9C67lQ9EEADi^^E96f_a7:C>]4@>^Qmk6>m%wtf_aux#| x?;FCJ pEE@C?6JDk^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