-----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,
 R73N3/zNZQlnH/f/GF7iPmMggj6c7PNh4LqVjDO7hYL62RN5pXo/EV4jZxWxR7Qi
 l7VH11uqHgjD2wI0kkW/nw==

<SEC-DOCUMENT>0000000000-07-000690.txt : 20070308
<SEC-HEADER>0000000000-07-000690.hdr.sgml : 20070308
<ACCEPTANCE-DATETIME>20070108095952
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0000000000-07-000690
CONFORMED SUBMISSION TYPE:	UPLOAD
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20070108

FILED FOR:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AUSTRALIA & NEW ZEALAND BANKING GROUP LTD
		CENTRAL INDEX KEY:			0000859994
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		IRS NUMBER:				132623463
		FISCAL YEAR END:			0930

	FILING VALUES:
		FORM TYPE:		UPLOAD

	BUSINESS ADDRESS:	
		STREET 1:		LEVEL 6, 100 QUEEN STREET
		STREET 2:		MELBOURNE, AUSTRALIA
		CITY:			MELBOURNE
		STATE:			C3
		ZIP:			3000
</SEC-HEADER>
<DOCUMENT>
<TYPE>LETTER
<SEQUENCE>1
<FILENAME>filename1.pdf
<TEXT>
<PDF>
begin 644 filename1.pdf
M)5!$1BTQ+C0-)>+CS],-"C4S(#`@;V)J(#P\+TQI;F5A<FEZ960@,2],(#$S
M-#DR+T\@-34O12`V-C(Q+TX@,2]4(#$R,S@U+T@@6R`U-38@,3<U73X^#65N
M9&]B:@T@("`@("`@("`@("`@("`@("`@#0IX<F5F#0HU,R`Q,PT*,#`P,#`P
M,#`Q-B`P,#`P,"!N#0HP,#`P,#`P.#DW(#`P,#`P(&X-"C`P,#`P,#$Q-C(@
M,#`P,#`@;@T*,#`P,#`P,30P-"`P,#`P,"!N#0HP,#`P,#`Q.#0Y(#`P,#`P
M(&X-"C`P,#`P,#$X.#,@,#`P,#`@;@T*,#`P,#`P,CDV,B`P,#`P,"!N#0HP
M,#`P,#`S,S@V(#`P,#`P(&X-"C`P,#`P,#8P-34@,#`P,#`@;@T*,#`P,#`P
M-C(Y-R`P,#`P,"!N#0HP,#`P,#`V-30U(#`P,#`P(&X-"C`P,#`P,#`W,S$@
M,#`P,#`@;@T*,#`P,#`P,#4U-B`P,#`P,"!N#0IT<F%I;&5R#0H\/"]3:7IE
M(#8V+U!R978@,3(S-S0O6%)E9E-T;2`W,S$O4F]O="`U-"`P(%(O26YF;R`V
M(#`@4B])1%L\,D0T139&1C4Y.3A#.4(Q,#)$1D0Y-D4S049$.$9&-#<^/#DP
M1#0Q0T5",$,T0S%"-$9".#%!0S0S-$4X,4(Y0S8U/ET^/@T*<W1A<G1X<F5F
M#0HP#0HE)45/1@T*("`-"C8U(#`@;V)J/#PO3&5N9W1H(#@V+T,@.34O1FEL
M=&5R+T9L871E1&5C;V1E+TD@,3$W+TP@-SDO4R`S.3X^<W1R96%M#0IXVF)@
M8.!D8&"^S0`$HL$,J(`)B%D8.`XP&"`)<D(Q`X,2`P\OXVP&%E&)+&]>AFM,
M"V":9#9`-5L`,2,#@Z0>A&9N@IO"QL"@5P<19=0$"#``'I8(50T*96YD<W1R
M96%M#65N9&]B:@TV-"`P(&]B:CP\+TQE;F=T:"`R,"]&:6QT97(O1FQA=&5$
M96-O9&4O5ULQ(#$@,5TO26YD97A;-R`T-ETO1&5C;V1E4&%R;7,\/"]#;VQU
M;6YS(#,O4')E9&EC=&]R(#$R/CXO4VEZ92`U,R]4>7!E+UA2968^/G-T<F5A
M;0T*>-IB8F)D8&)@8!QJ&"#``#1)`(T-"F5N9'-T<F5A;0UE;F1O8FH--30@
M,"!O8FH\/"]-87)K26YF;SP\+TQE='1E<G-P86-E1FQA9W,@,"]-87)K960@
M=')U93X^+TUE=&%D871A(#4@,"!2+U!I96-E26YF;SP\+TUA<FME9%!$1CP\
M+TQA<W1-;V1I9FEE9"A$.C(P,#<P,3`X,#DU.3`S*3X^/CXO4&%G97,@-"`P
M(%(O4&%G94QA>6]U="]/;F5#;VQU;6XO4W1R=6-T5')E95)O;W0@-R`P(%(O
M5'EP92]#871A;&]G+TQA;F<H14XM55,I+TQA<W1-;V1I9FEE9"A$.C(P,#<P
M,3`X,#DU.3`S*2]086=E3&%B96QS(#(@,"!2/CX-96YD;V)J#34U(#`@;V)J
M/#PO0W)O<$)O>%LP(#`@-C$R(#<Y,ETO4&%R96YT(#0@,"!2+U-T<G5C=%!A
M<F5N=',@,"]#;VYT96YT<R`U."`P(%(O4F]T871E(#`O365D:6%";WA;,"`P
M(#8Q,B`W.3)=+U)E<V]U<F-E<SP\+T-O;&]R4W!A8V4\/"]#4S`@-3<@,"!2
M/CXO1F]N=#P\+U14,"`U-B`P(%(O5%0Q(#4Y(#`@4CX^+U!R;V-3971;+U!$
M1B]497AT72]%>'1'4W1A=&4\/"]'4S`@-C,@,"!2/CX^/B]4>7!E+U!A9V4^
M/@UE;F1O8FH--38@,"!O8FH\/"]3=6)T>7!E+U1R=654>7!E+T9O;G1$97-C
M<FEP=&]R(#8Q(#`@4B],87-T0VAA<B`Q,C$O5VED=&AS6S(U,"`P(#`@,"`P
M(#`@,"`P(#`@,"`P(#`@,C4P(#,S,R`R-3`@,"`U,#`@-3`P(#4P,"`U,#`@
M-3`P(#4P,"`U,#`@-3`P(#4P,"`U,#`@,C<X(#`@,"`P(#`@,"`P(#<R,B`V
M-C<@-C8W(#<R,B`V,3$@-34V(#<R,B`P(#`@,S@Y(#`@-C$Q(#@X.2`W,C(@
M-S(R(#`@-S(R(#`@-34V(#`@,"`W,C(@.30T(#`@,"`V,3$@,"`P(#`@,"`P
M(#`@-#0T(#4P,"`T-#0@-3`P(#0T-"`S,S,@-3`P(#4P,"`R-S@@,"`U,#`@
M,C<X(#<W."`U,#`@-3`P(#4P,"`P(#,S,R`S.#D@,C<X(#4P,"`U,#`@-S(R
M(#4P,"`U,#!=+T)A<V5&;VYT+U1I;65S3F5W4F]M86Y04TU4+T9I<G-T0VAA
M<B`S,B]%;F-O9&EN9R]7:6Y!;G-I16YC;V1I;F<O5'EP92]&;VYT/CX-96YD
M;V)J#34W(#`@;V)J6R])0T-"87-E9"`V,"`P(%)=#65N9&]B:@TU."`P(&]B
M:CP\+TQE;F=T:"`Q,#`Y+T9I;'1E<B]&;&%T941E8V]D93X^<W1R96%M#0I(
MB9Q76V_:2!1^YU><1R.%R=P\'E=5)0*AVFCI7F+M:AOM@VN&XJUC1[9IFOWU
M.S,.&(IGH$N$#*/)]YWK=P[7O\+;M]?+V4]SP/#NW<U\!J/KV3V&K-$'Y@^:
MK!P1R/7Y>WW^N1G=)*/K),%`(%F/,"29OI4\FZM)`P2;Y[_FJ`9"+81^Q!@B
M+%%$(7D<!3!._AG=)J/;I:'K32`[$XXHCE!$S%'$O2CT`A2)422\*.P"%"%0
M)+TH_`*4D"(_2'@!")-(^H,K+D"A'$E_<*-!%(PPQLR4PF3W\?D@^TQ'21",
M9!?RN[3<IO4+R"N@&$<N*CE,M2^X(]/#6"#I#V/L-EWTIHM3:$E1;)&7:5[`
M?5L]`0\%<58Q_B'#A43QF;88[HL++`\YBFT^'X*;%YCF-5@7TG(%BS1K\L>Q
M#/)"05OI_.B2CVG$0$0F)Q/*8QR89Q2:Y]_)W:!MP]WF<I9C%/O[C@PWGO4P
MZIV-3K&I0'%7`<L:P5VU*6&9+=*Z2$OE9!MN4$M!>C9RRJ;M-%2S3:[6</M-
M9=LV_ZK@E_4ZSU3MY!ON94O">SY^PL?C&&':I7*Z;=HZ+?+4)O*#>H:/*BW,
MYYNT_)*7G^%]76V?X.<NOZU:N=,WK`K6B+"W)SRU1X8(=U)A)/^WK5*E;HU:
MJ=;INT<[O&7,(X)P5S5+57RJMG6IKN"//&NK6@<!F/XO)ZE#1<X'/(P0EEW`
M9Y4)I'E7Y;,.=;N!:@U]&IS1=4C.0',0*H!SAHA_M'TG+>3`&]I[0T^]H7*O
M!+^K-[JM"=5M?5))XRB`CV-"`Z5O!(ZB\E84)6X3W1/"F$AX)[,/>]595/6C
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MRY5S'?<L5=_!1OO)Y`0[]T/#XHC]U''BG/NI87'X;I"X<3P[CV>K-N#L=60\
M!/.J3(L53!&8$DU-B19?S";BR#WSK#[NKK"D)$;D-7&JS+4T3YLF;]JT;*';
MAZ995FU+>W#H\G\"#``>Z4('#0IE;F1S=')E86T-96YD;V)J#34Y(#`@;V)J
M/#PO4W5B='EP92]4<G5E5'EP92]&;VYT1&5S8W)I<'1O<B`V,B`P(%(O3&%S
M=$-H87(@,3$Y+U=I9'1H<ULR-3`@,"`P(#`@,"`P(#`@,"`P(#`@,"`P(#(U
M,"`S,S,@,C4P(#`@-3`P(#4P,"`U,#`@-3`P(#`@-3`P(#4P,"`U,#`@,"`P
M(#,S,R`P(#`@,"`P(#`@,"`W,C(@-C8W(#`@-S(R(#8V-R`V,3$@-S<X(#`@
M,"`P(#`@-C8W(#`@-S(R(#`@,"`P(#<R,B`U-38@,"`P(#`@,"`P(#<R,B`V
M-C<@,"`P(#`@,"`P(#`@-3`P(#4U-B`T-#0@-34V(#0T-"`S,S,@-3`P(#4U
M-B`R-S@@,"`U-38@,C<X(#@S,R`U-38@-3`P(#4U-B`P(#0T-"`S.#D@,S,S
M(#4U-B`P(#<R,ETO0F%S949O;G0O5&EM97-.97=2;VUA;E!3+4)O;&1-5"]&
M:7)S=$-H87(@,S(O16YC;V1I;F<O5VEN06YS:45N8V]D:6YG+U1Y<&4O1F]N
M=#X^#65N9&]B:@TV,"`P(&]B:CP\+TQE;F=T:"`R-3<U+T9I;'1E<B]&;&%T
M941E8V]D92].(#,O06QT97)N871E+T1E=FEC95)'0CX^<W1R96%M#0I(B9R6
M>513=Q;'?V_)GI"5L,-C#5N`L`:0-6QAD1T$40A)"`$20DC8!4%$!11%1(2J
ME3+6;71&3T6=+JYCK0[6?>K2`_4PZN@XM!;7CIT7.$>=3F>FT^\?[_<Y]W?O
M[]W?O?>=\P"@)Z6JM=4P"P"-UJ#/2HS%%A448J0)``,*(`(1`#)YK2XM.R$'
MX)+&2[!:W`G\BYY>!Y!IO2),RL`P\/^)+=?I#0!`&3@'*)2U<IP[<:ZJ-^A,
M]AF<>:65)H91$^OQ!'&V-+%JGKWG?.8YVL0*C5:!LREGG4*C,/%IG%?7&94X
M(ZDX=]6IE?4X7\79I<JH4>/\W!2K4<IJ`4#I)KM!*2_'V0]GNCXG2X+S`@#(
M=-4[7/H.&Y0-!M.E)-6Z1KU:56[`W.4>F"@T5(PE*>NKE`:#,$,FKY3I%9BD
M6J.3:1L!F+_SG#BFVF)XD8-%H<'!0G\?T3N%^J^;OU"FWL[3D\RYGD'\"V]M
M/^=7/0J`>!:OS?JWMM(M`(RO!,#RYEN;R_L`,/&^';[XSGWXIGDI-QAT8;Z^
M]?7U/FJEW,=4T#?ZGPZ_0.^\S\=TW)OR8''*,IFQRH"9ZB:OKJHVZK%:G4RN
MQ(0_'>)?'?CS>7AG*<N4>J46C\C#ITRM5>'MUBK4!G6U%E-K_U,3?V783S0_
MU[BX8Z\!K]@'L"[R`/*W"P#ET@!2M`W?@=[T+962!S+P-=_AWOS<SPGZ]U/A
M/M.C5JV:BY-DY6!RH[YN?L_T60("H`(FX`$K8`^<@3L0`G\0`L)!-(@'R2`=
MY(`"L!3(03G0`#VH!RV@'72!'K`>;`+#8#L8`[O!?G`0C(./P0GP1W`>?`FN
M@5M@$DR#AV`&/`6O(`@B00R("UE!#I`KY`7Y0V(H$HJ'4J$LJ``J@520%C)"
M+=`*J`?JAX:A'=!NZ/?04>@$=`ZZ!'T%34$/H.^@ES`"TV$>;`>[P;ZP&(Z!
M4^`<>`FL@FO@)K@37@</P:/P/O@P?`(^#U^#)^&'\"P"$!K"1QP1(2)&)$@Z
M4HB4(7JD%>E&!I%19#]R##F+7$$FD4?("Y2(<E$,%:+A:!*:B\K1&K05[46'
MT5WH8?0T>@6=0F?0UP0&P9;@10@C2`F+""I"/:&+,$C82?B(<(9PC3!->$HD
M$OE$`3&$F$0L(%80FXF]Q*W$`\3CQ$O$N\19$HED1?(B19#223*2@=1%VD+:
M1_J,=)DT37I.II$=R/[D!'(A64ON(`^2]Y`_)5\FWR._HK`HKI0P2CI%06FD
M]%'&*,<H%RG3E%=4-E5`C:#F4"NH[=0AZG[J&>IMZA,:C>9$"Z5ETM2TY;0A
MVN]HG].F:"_H'+HG74(OHAOIZ^@?TH_3OZ(_83`8;HQH1B'#P%C'V,TXQ?B:
M\=R,:^9C)C53F+69C9@=-KML]IA)8;HR8YA+F4W,0>8AYD7F(Q:%Y<:2L&2L
M5M8(ZRCK!FN6S66+V.EL#;N7O8=]CGV?0^*X<>(Y"DXGYP/.*<Y=+L)UYDJX
M<NX*[ACW#'>:1^0)>%)>!:^']UO>!&_&G&,>:)YGWF`^8OZ)^20?X;OQI?PJ
M?A__(/\Z_Z6%G46,A=)BC<5^B\L6SRQM+*,ME9;=E@<LKUF^M,*LXJTJK398
MC5O=L4:M/:TSK>NMMUF?L7YDP[,)MY';=-L<M+EI"]MZVF;9-MM^8'O!=M;.
MWB[13F>WQ>Z4W2-[OGVT?87]@/VG]@\<N`Z1#FJ'`8?/'/Z*F6,Q6!4VA)W&
M9AQM'9,<C8X['"<<7SD)G'*=.IP..-UQICJ+G<N<!YQ/.L^X.+BDN;2X['6Y
MZ4IQ%;N6NVYV/>OZS$W@EN^VRFW<[;[`4B`5-`GV"FZ[,]RCW&O<1]VO>A`]
MQ!Z5'EL]OO2$/8,\RSU'/"]ZP5[!7FJOK5Z7O`G>H=Y:[U'O&T*Z,$98)]PK
MG/+A^Z3Z=/B,^SSV=?$M]-W@>];WM5^07Y7?F-\M$4>4+.H0'1-]Y^_I+_<?
M\;\:P`A("&@+.!+P;:!7H#)P6^"?@[A!:4&K@DX&_2,X)%@?O#_X08A+2$G(
M>R$WQ#QQAKA7_'DH(30VM"WTX]`78<%AAK"#87\/%X97AN\)O[]`L$"Y8&S!
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M(Y?(-\L?*J(5`XH'R@AEO_)>6419?]E]581JH^I!>53Y8/DCM40]K/ZV(JEB
M>\6SRO3*#RM_K,JO.J`A:THT1[4<;:7V=+5]=4/U)9V7KDLW61-6LZEF1I^B
MWUD+U2ZI/6+@X3]3%XSNQI7&J;K(NI&ZY_5Y]8<:V`W:A@N-GHUK&N\U)33]
MIAEMEC>?;'%L:6^96A:S;$<KU%K:>K+-N:VS;7IYXO)=[=3VRO8_=?AU]'=\
MOR)_Q;%.N\[EG7=7)J[<VV76I>^ZL2I\U?;5Z&KUZHDU`6NVK'G=K>C^HL>O
M9[#GAUYY[Q=K16N'UOZXKFS=1%]PW[;UQ/7:]=<W1&W8U<_N;^J_NS%MX^$!
M;*![X/M-Q9O.#08.;M],W6S</#F4^D\`I`%;_IBXF229D)G\FFB:U9M"FZ^<
M')R)G/>=9)W2GD">KI\=GXN?^J!IH-BA1Z&VHB:BEJ,&HW:CYJ16I,>E.*6I
MIAJFBZ;]IVZGX*A2J,2I-ZFIJARJCZL"JW6KZ:Q<K-"M1*VXKBVNH:\6KXNP
M`+!UL.JQ8+'6LDNRPK,XLZZT);2<M1.UBK8!MGFV\+=HM^"X6;C1N4JYPKH[
MNK6[+KNGO"&\F[T5O8^^"KZ$OO^_>K_UP'#`[,%GP>/"7\+;PUC#U,11Q,[%
M2\7(QD;&P\=!Q[_(/<B\R3K)N<HXRK?+-LNVS#7,M<TUS;7.-LZVSS?/N-`Y
MT+K1/-&^TC_2P=-$T\;42=3+U4[5T=95UMC77-?@V&38Z-ELV?':=MK[VX#<
M!=R*W1#=EMX<WJ+?*=^OX#;@O>%$X<SB4^+;XV/CZ^1SY/SEA.8-YI;G'^>I
MZ#+HO.E&Z=#J6^KEZW#K^^R&[1'MG.XH[K3O0._,\%CPY?%R\?_RC/,9\Z?T
M-/3"]5#UWO9M]OOWBO@9^*CY./G'^E?ZY_MW_`?\F/TI_;K^2_[<_VW__P(,
M`/>$\_L*#0IE;F1S=')E86T-96YD;V)J#38Q(#`@;V)J/#PO4W1E;58@.#(O
M1F]N=$YA;64O5&EM97-.97=2;VUA;E!3350O1F]N=%-T<F5T8V@O3F]R;6%L
M+T9O;G1796EG:'0@-#`P+T9L86=S(#,T+T1E<V-E;G0@+3(Q-B]&;VYT0D)O
M>%LM-38X("TS,#<@,C`P,"`Q,#`W72]!<V-E;G0@.#DQ+T9O;G1&86UI;'DH
M5&EM97,@3F5W(%)O;6%N*2]#87!(96EG:'0@-C4V+UA(96EG:'0@+34T-B]4
M>7!E+T9O;G1$97-C<FEP=&]R+TET86QI8T%N9VQE(#`^/@UE;F1O8FH--C(@
M,"!O8FH\/"]3=&5M5B`Q,S8O1F]N=$YA;64O5&EM97-.97=2;VUA;E!3+4)O
M;&1-5"]&;VYT4W1R971C:"].;W)M86PO1F]N=%=E:6=H="`W,#`O1FQA9W,@
M,S0O1&5S8V5N="`M,C$V+T9O;G1"0F]X6RTU-3@@+3,P-R`R,#`P(#$P,C9=
M+T%S8V5N="`X.3$O1F]N=$9A;6EL>2A4:6UE<R!.97<@4F]M86XI+T-A<$AE
M:6=H="`V-38O6$AE:6=H="`M-30V+U1Y<&4O1F]N=$1E<V-R:7!T;W(O271A
M;&EC06YG;&4@,#X^#65N9&]B:@TV,R`P(&]B:CP\+T]032`Q+T]0(&9A;'-E
M+V]P(&9A;'-E+U1Y<&4O17AT1U-T871E+U-!(&9A;'-E+U--(#`N,#(^/@UE
M;F1O8FH-,2`P(&]B:CP\+T9I<G-T(#,U-2],96YG=&@@.#`S+T9I;'1E<B]&
M;&%T941E8V]D92].(#0V+U1Y<&4O3V)J4W1M/CYS=')E86T-"GC:Y)9+3QLQ
M%(7_BJ5NVD6Q?6W/0T*1PB-M!`24I.H"=3$D)HU(9J)ATL*_[_'<#(]-B1<5
MBTK`Y=K'W[V>XY$G%4ID(K,B%R8Q0BMA,A):BR3)A2:1:R>T$;E#9C&MH,&(
MLJG0"6*NA<:_VF`P0TRA"PO)"%*(22H($@,B@6N<$YC25BE!X%F+'$MMCAP\
M!PZ!YS+DX"68)/"2%(V!EZ*X"243Y.!E"CEXF4,.7I8C!R^WR,'+,^1H09FP
M,<04>8Z6T!PDI!,G;&@-&[>$B/XL6C?HSUI$]!=:-.C/)F@9<&R=+/JSX"6H
M;\%+T:0++3LM\$-Y:H4CM)RGXO!0GN$9*S&65T7MRV9:>X_G_7I@Y!^:,_\H
MM!Q7*W]1;((703)]W'@Y:>KMK-6-JZKI]0+S&O9`$.QI@^7@."0<4@X9A[9H
M,*8-F@-3B"G$%&(*,8680DPAIABF&*88IABF&*88IABF&*88IABF6*98IEBF
M6*98IEBFV);R0UZ)EB,G<N)GC3PORL7'T]'G+T>?VL<RVJ[OKU4XP4'=#@W+
MU;+TDY\%'N1@N=C67I[4U>:XV'3IY;8)$CG9%*6<;&_N9_5RTW3IQM<O!Z:7
M??P>P[N%_T`*!6]\W4T-VBG8M;SSU;9;`6^/J@=YLOPE1U6]+E;R2IZ6\[)J
M/`;P9P!7G[/C:KW&L0!\[&\]3LALU]JW<N[KYTX'U6I5_?;SKS@B8?CNJ8MA
M:&,H!W6Q]FW95[O'#EC0Z_V?APB'HA_>VW".SH3"F<IV9ZJS9R%<NZ(]0"^T
M.D)+$5H3H;416A>A3=[6.MIITPAN%J'-8[R(,B[&.1UCG8[Q3L>8IV/<TTF,
M.,8_O8>!3G?B&`<IQD&*>O=B'*08!RG&0=K#0:<Z<8R#%.,@[?,*9ITXCQ`;
M%2/6,>)]'$P[L8D1O^D@KM&9[]\VOA;J0+7W=W^U7.!CH"GJ1E[BJ^,QW.[?
MZV6S+!<7U=S+\WIZPPN/_&U5^Z>50US:98,+##DN_5T:9EO:+L>GZ('Z9\75
MWVL[>K?:ZA]6?N.1JW?;M'E'K[,LU/XCP`!F_9!`#0IE;F1S=')E86T-96YD
M;V)J#3(@,"!O8FH\/"].=6US6S`@,R`P(%)=/CX-96YD;V)J#3,@,"!O8FH\
M/"]3+T0^/@UE;F1O8FH--"`P(&]B:CP\+T-O=6YT(#$O5'EP92]086=E<R]+
M:61S6S4U(#`@4ET^/@UE;F1O8FH--2`P(&]B:CP\+U-U8G1Y<&4O6$U,+TQE
M;F=T:"`T,S<U+U1Y<&4O365T861A=&$^/G-T<F5A;0T*/#]X<&%C:V5T(&)E
M9VEN/2+ON[\B(&ED/2)7-4TP37!#96AI2'IR95-Z3E1C>FMC.60B/SX*/'@Z
M>&UP;65T82!X;6QN<SIX/2)A9&]B93IN<SIM971A+R(@>#IX;7!T:STB,RXQ
M+3<P,2(^"B`@(#QR9&8Z4D1&('AM;&YS.G)D9CTB:'1T<#HO+W=W=RYW,RYO
M<F<O,3DY.2\P,B\R,BUR9&8M<WEN=&%X+6YS(R(^"B`@("`@(#QR9&8Z1&5S
M8W)I<'1I;VX@<F1F.F%B;W5T/2(B"B`@("`@("`@("`@('AM;&YS.G!D9CTB
M:'1T<#HO+VYS+F%D;V)E+F-O;2]P9&8O,2XS+R(^"B`@("`@("`@(#QP9&8Z
M4')O9'5C97(^06-R;V)A="!$:7-T:6QL97(@-RXP+C4@*%=I;F1O=W,I/"]P
M9&8Z4')O9'5C97(^"B`@("`@(#PO<F1F.D1E<V-R:7!T:6]N/@H@("`@("`\
M<F1F.D1E<V-R:7!T:6]N(')D9CIA8F]U=#TB(@H@("`@("`@("`@("!X;6QN
M<SIP9&9X/2)H='1P.B\O;G,N861O8F4N8V]M+W!D9G@O,2XS+R(^"B`@("`@
M("`@(#QP9&9X.D-O;7!A;GD^4V5C=7)I=&EE<R!A;F0@17AH86YG92!#;VUM
M:7-S:6]N/"]P9&9X.D-O;7!A;GD^"B`@("`@("`@(#QP9&9X.E-O=7)C94UO
M9&EF:65D/D0Z,C`P-S`Q,#@Q-#0V-38\+W!D9G@Z4V]U<F-E36]D:69I960^
M"B`@("`@(#PO<F1F.D1E<V-R:7!T:6]N/@H@("`@("`\<F1F.D1E<V-R:7!T
M:6]N(')D9CIA8F]U=#TB(@H@("`@("`@("`@("!X;6QN<SIX87`](FAT='`Z
M+R]N<RYA9&]B92YC;VTO>&%P+S$N,"\B/@H@("`@("`@("`\>&%P.D-R96%T
M;W)4;V]L/D%C<F]B870@4$1&36%K97(@-RXP+C<@9F]R(%=O<F0\+WAA<#I#
M<F5A=&]R5&]O;#X*("`@("`@("`@/'AA<#I-;V1I9GE$871E/C(P,#<M,#$M
M,#A4,#DZ-3DZ,#,M,#4Z,#`\+WAA<#I-;V1I9GE$871E/@H@("`@("`@("`\
M>&%P.D-R96%T941A=&4^,C`P-RTP,2TP.%0P.3HU.#HU.2TP-3HP,#PO>&%P
M.D-R96%T941A=&4^"B`@("`@("`@(#QX87`Z365T861A=&%$871E/C(P,#<M
M,#$M,#A4,#DZ-3DZ,#,M,#4Z,#`\+WAA<#I-971A9&%T841A=&4^"B`@("`@
M(#PO<F1F.D1E<V-R:7!T:6]N/@H@("`@("`\<F1F.D1E<V-R:7!T:6]N(')D
M9CIA8F]U=#TB(@H@("`@("`@("`@("!X;6QN<SIX87!-33TB:'1T<#HO+VYS
M+F%D;V)E+F-O;2]X87`O,2XP+VUM+R(^"B`@("`@("`@(#QX87!-33I$;V-U
M;65N=$E$/G5U:60Z-64U,C`S.#`M,#4W82TT,S%E+6%F.#$M861F-F,S83-E
M,64U/"]X87!-33I$;V-U;65N=$E$/@H@("`@("`@("`\>&%P34TZ26YS=&%N
M8V5)1#YU=6ED.C9A-#`S83,P+39B.3,M-#%B9BUB.&8T+34R-&8Q,#EE,#,P
M,#PO>&%P34TZ26YS=&%N8V5)1#X*("`@("`@("`@/'AA<$U-.E9E<G-I;VY)
M1#X*("`@("`@("`@("`@/')D9CI397$^"B`@("`@("`@("`@("`@(#QR9&8Z
M;&D^-SPO<F1F.FQI/@H@("`@("`@("`@("`\+W)D9CI397$^"B`@("`@("`@
M(#PO>&%P34TZ5F5R<VEO;DE$/@H@("`@("`\+W)D9CI$97-C<FEP=&EO;CX*
M("`@("`@/')D9CI$97-C<FEP=&EO;B!R9&8Z86)O=70](B(*("`@("`@("`@
M("`@>&UL;G,Z9&,](FAT='`Z+R]P=7)L+F]R9R]D8R]E;&5M96YT<R\Q+C$O
M(CX*("`@("`@("`@/&1C.F9O<FUA=#YA<'!L:6-A=&EO;B]P9&8\+V1C.F9O
M<FUA=#X*("`@("`@("`@/&1C.G1I=&QE/@H@("`@("`@("`@("`\<F1F.D%L
M=#X*("`@("`@("`@("`@("`@/')D9CIL:2!X;6PZ;&%N9STB>"UD969A=6QT
M(CY!8V-T($5X86UI;F%T:6]N(%)E<&]R=#PO<F1F.FQI/@H@("`@("`@("`@
M("`\+W)D9CI!;'0^"B`@("`@("`@(#PO9&,Z=&ET;&4^"B`@("`@("`@(#QD
M8SIC<F5A=&]R/@H@("`@("`@("`@("`\<F1F.E-E<3X*("`@("`@("`@("`@
M("`@/')D9CIL:3Y5+E,N/"]R9&8Z;&D^"B`@("`@("`@("`@(#PO<F1F.E-E
M<3X*("`@("`@("`@/"]D8SIC<F5A=&]R/@H@("`@("`@("`\9&,Z<W5B:F5C
M=#X*("`@("`@("`@("`@/')D9CI397$^"B`@("`@("`@("`@("`@(#QR9&8Z
M;&DO/@H@("`@("`@("`@("`\+W)D9CI397$^"B`@("`@("`@(#PO9&,Z<W5B
M:F5C=#X*("`@("`@/"]R9&8Z1&5S8W)I<'1I;VX^"B`@("`@(#QR9&8Z1&5S
M8W)I<'1I;VX@<F1F.F%B;W5T/2(B"B`@("`@("`@("`@('AM;&YS.G!H;W1O
M<VAO<#TB:'1T<#HO+VYS+F%D;V)E+F-O;2]P:&]T;W-H;W`O,2XP+R(^"B`@
M("`@("`@(#QP:&]T;W-H;W`Z:&5A9&QI;F4^"B`@("`@("`@("`@(#QR9&8Z
M4V5Q/@H@("`@("`@("`@("`@("`\<F1F.FQI+SX*("`@("`@("`@("`@/"]R
M9&8Z4V5Q/@H@("`@("`@("`\+W!H;W1O<VAO<#IH96%D;&EN93X*("`@("`@
M/"]R9&8Z1&5S8W)I<'1I;VX^"B`@(#PO<F1F.E)$1CX*/"]X.GAM<&UE=&$^
M"B`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`*("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@(`H@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@"B`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`*
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@(`H@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@"B`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`*("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@(`H@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@"B`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`*("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@(`H@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@"B`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`*("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@(`H@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@"B`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`*("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@(`H@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@"B`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`*("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@(`H@("`@
M("`@("`@("`@("`@("`@("`@("`@("`*/#]X<&%C:V5T(&5N9#TB=R(_/@T*
M96YD<W1R96%M#65N9&]B:@TV(#`@;V)J/#PO0W)E871I;VY$871E*$0Z,C`P
M-S`Q,#@P.34X-3DM,#4G,#`G*2]!=71H;W(H52Y3+BDO0W)E871O<BA!8W)O
M8F%T(%!$1DUA:V5R(#<N,"XW(&9O<B!7;W)D*2]0<F]D=6-E<BA!8W)O8F%T
M($1I<W1I;&QE<B`W+C`N-2!<*%=I;F1O=W-<*2DO36]D1&%T92A$.C(P,#<P
M,3`X,#DU.3`S+3`U)S`P)RDO0V]M<&%N>2A396-U<FET:65S(&%N9"!%>&AA
M;F=E($-O;6UI<W-I;VXI+U-O=7)C94UO9&EF:65D*$0Z,C`P-S`Q,#@Q-#0V
M-38I+U1I=&QE*$%C8W0@17AA;6EN871I;VX@4F5P;W)T*3X^#65N9&]B:@UX
M<F5F#0HP(#4S#0HP,#`P,#`P,#`P(#8U-3,U(&8-"C`P,#`P,#8V,C$@,#`P
M,#`@;@T*,#`P,#`P-S4Q.2`P,#`P,"!N#0HP,#`P,#`W-34R(#`P,#`P(&X-
M"C`P,#`P,#<U-S4@,#`P,#`@;@T*,#`P,#`P-S8R-B`P,#`P,"!N#0HP,#`P
M,#$R,#<W(#`P,#`P(&X-"C`P,#`P,#`P,#`@-C4U,S4@9@T*,#`P,#`P,#`P
M,"`V-34S-2!F#0HP,#`P,#`P,#`P(#8U-3,U(&8-"C`P,#`P,#`P,#`@-C4U
M,S4@9@T*,#`P,#`P,#`P,"`V-34S-2!F#0HP,#`P,#`P,#`P(#8U-3,U(&8-
M"C`P,#`P,#`P,#`@-C4U,S4@9@T*,#`P,#`P,#`P,"`V-34S-2!F#0HP,#`P
M,#`P,#`P(#8U-3,U(&8-"C`P,#`P,#`P,#`@-C4U,S4@9@T*,#`P,#`P,#`P
M,"`V-34S-2!F#0HP,#`P,#`P,#`P(#8U-3,U(&8-"C`P,#`P,#`P,#`@-C4U
M,S4@9@T*,#`P,#`P,#`P,"`V-34S-2!F#0HP,#`P,#`P,#`P(#8U-3,U(&8-
M"C`P,#`P,#`P,#`@-C4U,S4@9@T*,#`P,#`P,#`P,"`V-34S-2!F#0HP,#`P
M,#`P,#`P(#8U-3,U(&8-"C`P,#`P,#`P,#`@-C4U,S4@9@T*,#`P,#`P,#`P
M,"`V-34S-2!F#0HP,#`P,#`P,#`P(#8U-3,U(&8-"C`P,#`P,#`P,#`@-C4U
M,S4@9@T*,#`P,#`P,#`P,"`V-34S-2!F#0HP,#`P,#`P,#`P(#8U-3,U(&8-
M"C`P,#`P,#`P,#`@-C4U,S4@9@T*,#`P,#`P,#`P,"`V-34S-2!F#0HP,#`P
M,#`P,#`P(#8U-3,U(&8-"C`P,#`P,#`P,#`@-C4U,S4@9@T*,#`P,#`P,#`P
M,"`V-34S-2!F#0HP,#`P,#`P,#`P(#8U-3,U(&8-"C`P,#`P,#`P,#`@-C4U
M,S4@9@T*,#`P,#`P,#`P,"`V-34S-2!F#0HP,#`P,#`P,#`P(#8U-3,U(&8-
M"C`P,#`P,#`P,#`@-C4U,S4@9@T*,#`P,#`P,#`P,"`V-34S-2!F#0HP,#`P
M,#`P,#`P(#8U-3,U(&8-"C`P,#`P,#`P,#`@-C4U,S4@9@T*,#`P,#`P,#`P
M,"`V-34S-2!F#0HP,#`P,#`P,#`P(#8U-3,U(&8-"C`P,#`P,#`P,#`@-C4U
M,S4@9@T*,#`P,#`P,#`P,"`V-34S-2!F#0HP,#`P,#`P,#`P(#8U-3,U(&8-
M"C`P,#`P,#`P,#`@-C4U,S4@9@T*,#`P,#`P,#`P,"`V-34S-2!F#0HP,#`P
M,#`P,#`P(#8U-3,U(&8-"C`P,#`P,#`P,#`@-C4U,S4@9@T*=')A:6QE<@T*
E/#PO4VEZ92`U,SX^#0IS=&%R='AR968-"C$Q-@T*)25%3T8-"C\_
`
end
</PDF>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----