07.01.2015 Views

Table of Contents - AlHuda Sisters

Table of Contents - AlHuda Sisters

Table of Contents - AlHuda Sisters

SHOW MORE
SHOW LESS

Create successful ePaper yourself

Turn your PDF publications into a flip-book with our unique Google optimized e-Paper software.

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

"#$%&'()*!+!,-.,!/%!01!2345!6'7*8&79!<br />

011!&'()*7!&878&:849!


<strong>Table</strong> <strong>of</strong> <strong>Contents</strong><br />

!<br />

"#$%&'(!)*!+,%$-.!/('%(*!%0!$-(!1,2$!3,4! ! ! ! ! ! 5,6(!7!<br />

!<br />

3(,$-! ! ! ! ! ! ! ! ! ! ! 5,6(!7!<br />

!<br />

8-(!9#,:(! ! ! ! ! ! ! ! ! ! 5,6(!;!<br />

!<br />

8-(!/(6%00%06!)*!$-(!1,2$!3,4!($@! ! ! ! ! 5,6(!7A!<br />

!<br />

B,%$%06!5(#%)C!,0C!$-(!D,%0! ! ! ! ! ! ! 5,6(!7;!<br />

!<br />

8-(!D(2=##(&$%)0!


!"#$%&'()"(*)&$%+)'!<br />

!"#$%&'()*(*!$#+,(-'&$'*($.(#+'(&!/#(0!1(<br />

(<br />

2345(6789(:5(;84:88(:;!*+%!3%413.-;!*+%!<br />

3%41)')>;!*+%!-4,&%;!*+%!=11&;!*+%!83'.>%!1(!@,-"7'3,,*A;!*+%!')*%34%--'1);!B,3,.'-%:8E(:%!@%,0%>%!0*!A,,B$C!'*1!D02!E%22%*F%7!+E=$'..'1! -C!'*1!3$%!@66/!<br />

+3$%!G=7HB*-!)$0I$!D%!$'2!2%*3!16)*!36!D02!E%22%*F%7C!'*1!3$%!JI70K3=7%!)$0I$!D%!2%*3!<br />

16)*!36!3$62%!4%567%!+$0.-C!'*1!)$626%>%7!1024%,0%>%2!0*!A,,B$C!D02!A*F%,2C!D02!@66/2C!D02!<br />

E%22%*F%72C!'*1!3$%!8'23!&'(C!3$%*!0*1%%1!$%!$'2!237'(%1!5'7!')'(:L(F,%.3+40+*%16-!.%%.-+*%16-!.%%.-E!<br />

!<br />

!<br />

!<br />

0'!#+(<br />

(<br />

• P%,*+!'-!*+%!('3-*!-*,*'1)!1(!*+%!C%3%,(*%3E!<br />

• T2%3/!-16&!:'&&!*,-*%!.%,*+E!<br />

!<br />

"S>%7(6*%!2$',,!3'23%!1%'3$:!A*1!6*,(!6*!3$%!&'(!65!T%2=77%I306*!2$',,!(6=!4%!K'01!(6=7!<br />

)'F%2!0*!5=,,:!A*1!)$6%>%7!02!7%.6>%1!')'(!576.!3$%!U07%!'*1!'1.033%1!36!Q'7'102%C!$%!<br />

0*1%%1!02!2=II%225=,:!#$%!,05%!65!3$02!)67,1!02!6*,(!3$%!%*V6(.%*3!65!1%I%K306*:"!F,-.89$0%


!"#$%&'()"(*)&$%+)'!<br />

;9$'326%>%7!02!6*!03!+3$%!%'73$-!)0,,!K%702$:!A*1!3$%!U'I%!65!(6=7!8671!5=,,!65!E'V%23(!'*1!<br />

D6*6=7!)0,,!7%.'0*!567%>%7:L!F,$.;07900%%7!(6=!.'(!4%C!1%'3$!)0,,!6>%73'/%!(6=!%>%*!05!(6=!'7%!0*!56737%22%2!4=0,3!=K!<br />

2376*F!'*1!$0F$"!F,%.3+40+*!W'+X.!:'&&!.'%3%,*!41)4%3)!,).!&1(*/!<br />

>1,&-!:'&&!.'%%&!1(!P%,*+!,).!+'-!,--'-*,)*!,)>%&-!,==%,3!8%(13%!*+%!./')>!=%3-1)!=%3-1)!*3'%-!*1!+1&.!8,4!+'-!-16&!8%(13%!+%!('),&&/!-680'*-!*1!+'-!')%2'*,8&%!(,*%E!<br />

V%&64*,)*&/,^%!8%410%-!('S%.!')!*+%!<br />

.'3%4*'1)!1(!'*-!.%=,3*63%E!<br />

!<br />

!EE4:C9("8>45::43,(<br />

C%!&12%-!'*!,).!&1)>-!(13!'*E!<br />

C%!+,*%-!,).!(%,3-!'*E!<br />

!>>43K9(:8L(4=7H5(3:;,( D&&,+!&12%-!*1!0%%*!+'0E! D&&,+!+,*%-!*1!0%%*!+'0E!<br />

2345(38(94@9(49(3:9(97H>(<br />

8M:59,(<br />

F4!(310!,!:,*%3"-')A-!<br />

-=16*E!<br />

C%!3%_6%-*-!*1!3%*63)!*1!&'(%E!<br />

K*!8%410%-!*%33'('%.!,).!4&')>-!<br />

*1!*+%!81./


!"#$%&'()"(*)&$%+)'!<br />

"!H!"!<br />

Q+%!B31=+%*!<br />

!-,'.9!!<br />

(<br />

[b+1%2%3!&12%-!*1!0%%*!D&&,+11.!)%:-!1(!D&&,+A-!=&%,-63%!:'*+!+'0!,).!C'-!8&%--')>-!6=1)!+'0!'-!.%,3%3!*1!+'0!*+,)!:+,*!'-!')!(31)*!1(!+'0E!C%!*+%3%(13%!&12%-!*+%!<br />

0%%*')>!:'*+!D&&,+!:'*+!D&&,+%!@=3!7%I%0>%!3$%!F,'1!3010*F2!65!Q'7'102%C!)$0I$!(6=!$'>%!4%%*!K76.02%1Z!<br />

9%!$'>%!4%%*!(6=7!570%*12!0*!3$%!,05%!65!3$02!)67,1!'*1!'7%!+26-!0*!3$%!D%7%'53%7:!#$%7%0*!(6=!<br />

2$',,!$'>%!+',,-!3$'3!(6=7!0**%7!2%,>%2!1%207%C!'*1!3$%7%0*!(6=!2$',,!$'>%!+',,-!567!)$0I$!(6=!<br />

'2/!567:!A*!%*3%73'0*.%*3!576.!+A,,'$-C!3$%!0*FC!E623!E%7I05=,:L!FE#44+-0)


!"#$%&'()"(*)&$%+)'!<br />

"!L!"!<br />

#38(!99:954%&!1(!P%,*+E!Q+%/!-'*!,*!*+%!&'0'*!1(!*+%!./')>!<br />

=%3-1)A-!%/%-'>+*!*+%!D)>%&!1(!P%,*+E!D-!-11)!,-!*+%!D)>%&!1(!P%,*+!%S*3,4*-!*+%!-16&!<br />

(310!*+%!81./9( *7C(4(-8>:88C( *7C(4(0:9=8>:88C(<br />

089DC:B5:7%&-!1(!0%34/E!<br />

Q+%/!,3%!,)>%&-!1(!<br />

=6)'-+0%)*E!<br />

!BB84C43,)*%.!+,==')%--E]!<br />

D&,30')>!*'.')>-9![TS'*!*1!<br />

D&&,+A-!:3,*+E]!<br />

!D5:7


!"#$%&'()"(*)&$%+)'!<br />

!E58C(538(/7H>K9(08B4C5HC8(<br />

(<br />

D-!*+%!-16&!&%,2%-!*+%!81./!<br />

*+%0!*1!-0%&&!'*E!<br />

Q+%/!-6==&'4,*%!(13!+'0E!<br />

Q+%!01-*!3%=6>),)*!1.13!1(!,!<br />

.%4,/')>!4,.,2%3!*+,*!%2%3!<br />

%S'-*%.!1)!%,3*+E!<br />

Q+%/!,3%!3%=6&-%.!8/!'*-!('&*+E!<br />

Q+%/!463-%!+'0E!<br />

#38(I4589(57(538(3848%&!1(!P%,*+!,-4%).!<br />

:'*+!'*!*1!*+%!+%,2%)-E!D!8%&'%2%3A-!-16&!'-!:,30&/!:%&410%.!,).!,.0'**%.!')*1!,&&!-%2%)!<br />

+%,2%)-E!K*!0%%*-!*+%!-16&-!1(!1*+%3!8%&'%2%3-!')!a,)),+!,).!3%4%'2%-!'*-!O13.A-!=3,'-%!8%(13%!<br />

3%*63)')>!*1!'*-!81./E!D!.'-8%&'%2%3A-!-16&!'-!41).%0)%.:88C( *7C(4(0:9=8>:88C(<br />

RH895:77-!<br />

8%!6=1)!/16!,).!/163!81./E!T)*%3!<br />

>3,4%(6&&/3,)4%-,*%-!1=%)!(13!'*!,).!'*!'-!<br />

,.0'**%.E!!<br />

[b+1!'-!*+'-!0,&'4'16-!-16&f]!<br />

[71",)."-1,*%-!,3%!-+6*


!"#$%&'()"(*)&$%+)'!<br />

#C:B(7E(4(-8>:88CK9(/7H>(#3C7HI3(+848,*%4D8(7E(;885:K9(<br />

5C48>,(<br />

K)!*+%!-%2%)*+!+%,2%)!')!<br />

a,)),+E!<br />

e3,4%(6&!,33'2,&!')!*+%!<br />

410=,)/!1(!,)>%&-E!<br />

K)!,!.%%=!,8/--!')!*+%!-%2%)*+!%,3*+E!<br />

K*!'-!(&6)>!.1:)!(310!+%,2%)!*1!<br />

%,3*+E!<br />

"8D8B5:79,(<br />

b,30!:%&410%!,).!<br />

=&%,-,)*!4+,**%3E!<br />

h):%&410%!3%4%=*'1);!06*6,&!+,*%!<br />

,).!.'-*36-*E!<br />

*88>:9,(<br />

/7;8(B7:!,4_6,')*,)4%-!1)!<br />

%,3*+E!<br />

i1!41)4%3)E!<br />

`6*6,&!8&,0%!,).!,446-,*'1)E!<br />

'8:88C( *7C(4(0:9=8>:88C(<br />

2C:5:


!"#$%&'()"(*)&$%+)'!<br />

!>UV345:;43(W!(J8C973,2%!'-!*+%!('3-*!-*%=!1(!*+%!C%3%,(*%3!-1!'(!1)%!'-!-,2%.!(310!'*3,2%;!'(!,)/1)%!:%3%!*1!+,2%!8%%)!-,2%.!(310!'*3,2%E!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

(<br />

"""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""<br />

G!+1&(+%(0-.50$@0:7!8/!`6+,00,.!,&!a'8,&/(<br />

"!N!"!


!"#$%&'()"(*)&$%+)'!<br />

"!G!"!<br />

#38(#L7(!9^(<br />

(<br />

K00%.',*%&/!,(*%3!863',&!-*,3*-E!K*!'-!41).64*%.!8/!,)>%&-!:+1!+,2%!*+%!<br />

(1&&1:')>!.%-43'=*'1)9!<br />

!<br />

i608%39!<br />

i,0%-9!<br />

d1&1639!<br />

D==%,3,)4%9!<br />

56%-*'1)')>!0,))%39!<br />

b+,*!*+%/!4,33/9!<br />

Q:1!<br />

[`6),3]!F*+%!h)(,0'&',3J!,).![i,'3]!F*+%!V%86%3J!<br />

7+,.%-!1(!8&,4!,).!8&6%!41&163-E!<br />

7*%3)!,).!*+3%,*%)')>!<br />

D836=*!<br />

K31)!4&68-!<br />

(<br />

3,2%9!Q+%!3'>+*%16-!1)%!:'&&!-'*!')!+'-!>3,2%!:'*+16*!(%,3!13!*%3313!<br />

,).!'*!:'&&!8%!-,'.!*1!+'0!:'&&!8%!0,.%!<br />

(13!+'0!&11')>!')*1!C%&&!%,4+!1*+%3E!<br />

K*!:'&&!8%!-,'.!')*1!B,3,.'-%!,).!-1!K!-,'.!'*!*11Ej!Q+%)!,)!1=%)')>!:'&&!8%!<br />

0,.%!(13!+'0!&11')>!')*1!B,3,.'-%!:'&&!8%!0,.%!(13!+'0!<br />

&11')>!')*1!C%&&!%,4+!1*+%3E!K*!:'&&!<br />

8%!-,'.


!"#$%&'()"(*)&$%+)'!<br />

"!n!"!<br />

#38(0846(J8C97


!"#$%&'()"(*)&$%+)'!<br />

#38(#C:4>K9(%7H9:7< __ (<br />

(<br />

Q+%!3%-6&*!1(!*+%!*3',&!'-!,))16)4%.!8/!*+%!,)>%&-!,).!41)('30%.!8/!D&&,+!*,!,&,E!<br />

!<br />

!>43((<br />

[b%!%S=%4*%.!/16!*1!-,/!*+'-E!<br />

h=1)!4%3*'*6.%!/16!&'2%.3,2%!4+,)>%-!')!,!:,/!.%=%).%)*!1)!*+%!*3',&A-!<br />

16*410%E!<br />

!<br />

%34:88C( *7C(4(0:9=8>:88C(<br />

#38(6846(B8C973,)4%E!<br />

K*!'-!-=3%,.!*1!*+%!&'0'*!1(!<br />

+'-!%/%-'>+*9!Nc!!!Nc!468'*-E!<br />

R63)'-+')>-!(310!+%&&E!<br />

C%&&;!-1!+%!-6((%3-!-10%!1(!'*-!+%,*!<br />

,).!('%34%!:').E!<br />

Q+%!%,3*+!41)*3,4*-!1)!+'0!4,6-')>!<br />

+'-!3'8-!*1!83%,E!<br />

&:I35:6&(-!+'0E!<br />

#38(IC48(:9(E:>>86,( b'*+!>3%%)%3/E! b'*+!('3%E!<br />

(<br />

(<br />

%7;B4&/!<br />

4&1*+')>!,).!(16&!-0%&&E!<br />

"""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""<br />

##!+1&(+%(,-(50$@0:7!8/!`6+,00,.!`6-*,(,!,&"a'8,&/!<br />

#M!+1&(+%(,-(50$@0:7!8/!`6+,00,.!`6-*,(,!,&"a'8,&/!<br />

#H!+1&(+%(,-(50$@0:7!8/!`6+,00,.!`6-*,(,!,&"a'8,&/!<br />

"!#c!"!


!"#$%&'()"(*)&$%+)'!<br />

"!##!"!<br />

#:6:11.!.%%.-E!$/!<br />

D&&,+!C'0E!`,/!C%!<br />

3%:,3.!/16!:'*+!*+%!8%-*E]!<br />

[K!,0!/163!0,&'4'16-!.%%.-E!$/!<br />

D&&,+!D&&,+!,).!_6'4!')!<br />

.'-18%/')>!C'0E!`,/!C%!3%=,/!/16!<br />

:'*+!*+%!:13-*E]!<br />

(<br />

(<br />

077C9(57(J4C46:98(4> _P (<br />

!<br />

Q:1!1=%)')>-!,==%,3!*1!*+%!.%,.!=%3-1)!')!+'-!>3,2%E!\)%!1=%)')>!-+1:-!8&'--(6&!,).!-=&%).'.!<br />

2'%:-!1(!=,3,.'-%E!Q+%!1*+%3!-+1:-!>36%-10%!2'%:-!1(!.%-*364*'1)!')!+%&&E!<br />

!<br />

'8:88C( *7C(4(0:9=8>:88C(<br />

#38(49(B7:(538(<br />

6846(B8C973%*!,).!<br />

-1331:E!<br />

'8C@(;7C


!"#$%&'()"(*)&$%+)'!<br />

"!#M!"!<br />

!(0:9=8>:88CK9(JH+*/!8&1:!*+,*!4,6-%-!<br />

+'0!*1!*63)!')*1!.6-*E!C%!'-!*+%)!3%-*13%.!,-!+%!:,-1)/E!<br />

b+1!4,)!+%,3!*+%!<br />

-+3'%-f!<br />

C'-!-+3'%-!,3%!+%,3.!8/!,&&!43%,*63%-:88C( *7C(4(0:9=8>:88C(<br />

#38(6846(B8C97U<br />

-4C\4O3,(<br />

C%!-&%%=-


!"#$%&'()"(*)&$%+)'!<br />

P'-8%&'%2%39!;R'*!%>0,!367.%*3!%*I6.K'22%1!U07H'=*H2!+Q$'7'6$-!K%6K,%:!#$%!U07%O!3$%(!'7%!<br />

%\K62%1!36!03C!.67*0*F!'*1!'53%7*66*C!'*1!6*!3$%!&'(!)$%*!3$%!D6=7!)0,,!4%!%23'4,02$%1!+03!<br />

)0,,!4%!2'01!36!3$%!'*F%,2-X!"]'=2%!U07H'=*H2!+Q$'7'6$-!K%6K,%!36!%*3%7!3$%!2%>%7%23!<br />

367.%*3"!F,-.T701+$!,)!1)>1')>!4+,3'*/!<br />

!Q%,4+')>!8%)%('4',&!)1:&%.>%!<br />

d,&&')>!*1!76)),+!,).!>6'.,)4%!<br />

V,'-')>!,!3'>+*%16-!4+'&.!<br />

T-*,8&'-+')>!,!(,4'&'*/!(13!:13-+'==')>!,).!18%/')>!D&&,+!!<br />

T-*,8&'-+')>!,!(,4'&'*/!(13!+%&=')>!*+%!)%%./!06-+,(-!,).!811-!1(!76)),+!,).!1*+%3!<br />

8%)%('4',&!)1:&%.>%!<br />

7%**')>!6=!:,*%3!-1634%-0$(0-.Y0)0%2(;+'0=7


!"#$%&'()"(*)&$%+)'!<br />

/7;8(7E(538(-8(08869(07!*+%!a,),^,+!=3,/%3!(13!+'0!<br />

• d+,3'*,8&%!.%%.-!(310!*+%!.%4%,-%.A-!4+'&.!<br />

• R6&('&&')>!+'-!21:-!<br />

• B,/0%)*!1((!+'-!.%8*-!<br />

• K)21')>!(13!+'0!<br />

!<br />

(<br />

/88O(JC758D5:7


!"#$%&'()"(*)&$%+)'!<br />

F!h)"('Z'.#/(0e"$.N(#+'(0!1()*(heN0F'.# d`(<br />

(<br />

(<br />

(<br />

"""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""<br />

Mc![%"A+%O()7&(04)(>0'!8/!`6+,00,.!,&!a'8,&/!<br />

(<br />

(<br />

"!#U!"!


!"#$%&'()"(*)&$%+)'!<br />

"!#I!"!<br />

#+'(-'N$..$.N()*(#+'(&!/#(0!1(W#+'(*$"/#(#"eFJ'#X(<br />

(<br />

• Q+%!&,-*!.,/!8%>')-!:'*+!*+%!*1*,&!.%-*364*'1)!1(!*+'-!:13&.E!\)&/!*+%!:13-*!1(!=%1=&%!:'&&!<br />

:'*)%--!*+'-E!!<br />

(<br />

(<br />

#38(*:C95(->7L(7E(538(#CH;B85(=@(538(!($9C4E:>(<br />

(<br />

;#$%*!)$%*!3$%!#7=.K%3!)0,,!4%!4,6)*!)03$!6*%!4,6)0*F!+3$%!50723!6*%-C!A*1!3$%!%'73$!'*1!<br />

3$%!.6=*3'0*2!2$',,!4%!7%.6>%1!576.!3$%07!K,'I%2C!'*1!I7=2$%1!)03$!'!20*F,%!I7=2$0*F:!<br />

#$%*!6*!3$'3!&'(!2$',,!3$%!+^7%'3-!S>%*3!4%5',,:!!A*1!3$%!$%'>%*!)0,,!2K,03!'2=*1%7C!567!3$'3!<br />

&'(!03!+3$%!$%'>%*-!)0,,!4%!57'0,C!'*1!367*!=K:L(F,-.G0066077L($5(<br />

(<br />

Q+%!`%--%)>%3!1(!D&&,+<br />

!-,'.9![C1:!4,)!K!8%!,*!%,-%!:+%)!*+%!1)%!:+1!8&1:-!*+%!*360=%*!+,-!<br />

=6*!'*!*1!+'-!016*+!*1!-%%!:+%)!+%!:'&&!8%!<br />

13.%3%.!*1!8&1:!'*f]!F30$$0)&=(H'(0-.%73$76)*-:!!A*1!)$%*!<br />

3$%!23'72!5',,O!+A*1!)$%*!3$%!.6=*3'0*2!'7%!.'1%!36!K'22!')'(O!'*1!)$%*!3$%!K7%F*'*3!<br />

2$%NI'.%,2!'7%!4%!*%F,%I3%1O!'*1!)$%*!3$%!)0,1!4%'232!'7%!F'3$%7%1!36F%3$%7O!'*1!<br />

)$%*!3$%!2%'2!4%I6.%!'2!4,'[0*F!U07%!67!6>%75,6)O!'*1!)$%*!3$%!26=,2!'7%!V60*%1!)03$!<br />

3$%07!4610%2!+3$%!F661!)03$!3$%!F661!'*1!4'1!)03$!3$%!4'1-:!A*1!)$%*!3$%!5%.',%!<br />

+0*5'*3-!4=70%1!',0>%!+'2!3$%!K'F'*!A7'42!=2%1!36!16-!02!P=%2306*%1:!U67!)$'3!20*!)'2!<br />

2$%!/0,,%1_!A*1!)$%*!3$%!+)7033%*-!K'F%2!`65!1%%12!+F661!'*1!4'1-!65!%>%7(!K%726*a!'7%!<br />

,'01!6K%*O!'*1!)$%*!3$%!$%'>%*!02!2370KK%1!655!'*1!3'/%*!')'(!576.!032!K,'I%O!'*1!)$%*!<br />

D%,,N507%!02!2%3!'4,'[%:!A*1!)$%*!Q'7'102%!02!476=F$3!*%'7C!+#$%*-!%>%7(!K%726*!)0,,!<br />

/*6)!)$'3!$%!$'2!476=F$3!+65!F661!'*1!%>0,-:L!F,).%7!03!65!F661!67!%>0,-:!+e-L!F,-(a0-@0-07


!"#$%&'()"(*)&$%+)'!<br />

!(.'2('!"#+(<br />

(<br />

• ;31:!&'%!2%>%*,*'1)E]!F5#:70$+2(/#4-+92(")7&$4J!<br />

!<br />

• @Q+%!C13)!:'&&!8%!8&1:)!*+%!=%1=&%A-!81.'%-!*1!>31:E!K*!:'&&!*+%)!8%!8&1:)!,>,')k%S4%=*!(13!*+%!*,'&81)%E!R310!*+'-!81)%7L(7E(538(#CH;B85(<br />

(<br />

O')>6'-*'4,&&/0'!8/!`6+,00,.!,&"a'8,&/!<br />

"!#N!"!


!"#$%&'()"(*)&$%+)'!<br />

"!#G!"!<br />

JC7B385(FH34;;46(<br />

i#38(*:C95():D45:7%!.%!.(!5'=,32!<br />

6*!3$%!&'(!65!T%I6.K%*2%C!+3$%!&'(!65!T%2=77%I306*-C"!F,47.D7#0$04K9(JC7;:98(:9(#CH8"<br />

"<br />

(;A*1!3$%!D67*!)0,,!4%!4,6)*O!'*1!'3!6*I%!576.!3$%!F7'>%2!36!3$%07!8671!3$%(!)0,,!$'23%*:!!<br />

#$%(!)0,,!2'(C!"%2!P=0I/,(!'2!7'I0*F!36!'!F6',C!)03$!3$%07!%(%2!<br />

,6)%7%1!0*!5%'7!'*1!$=.0,03(C!0F*6.0*(!I6>%70*F!3$%.!+',,!6>%7-!#$'3!02!3$%!&'(C!)$0I$!<br />

3$%(!)%7%!K76.02%1L(F,-./0c0$+Q2!Nc9LH"LLJ!<br />

!<br />

!<br />

!>>43(54"4>4K9(J7L8C(4+*!<br />

+,).E!C%!:'&&!*+%)!-,/-!1(!%,3*+f!b+%3%!,3%!*+%!*/3,)*-f!<br />

b+%3%!,3%!*+%!,331>,)*f]!F5#:70$+2(/#4-+9J!!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

(<br />

(<br />

(<br />

(<br />

(


!"#$%&'()"(*)&$%+)'!<br />

"!#n!"!<br />

#+'(N"'!#(N!#+'"$.N(W!&(+!/+"X(<br />

!<br />

D&"C,-+3!&')>6'-*'4,&&/!0%,)-!,!>,*+%3')>!,).!3%&'>'16-&/!1)!*+%!P,/!1(!<br />

a6.>0%)*!-1!*+,*!*+%/!0,/!8%!3%410=%)-%.!,).!W6.>%.E!<br />

!<br />

;A,,B$!8B!0,B$'!0,,'!D=)'!+*6*%!$'2!3$%!70F$3!36!4%!)672$0KK%1!4=3!D%-:!J=7%,(C!D%!)0,,!<br />

F'3$%7!(6=!36F%3$%7!6*!3$%!&'(!65!T%2=77%I306*!'46=3!)$0I$!3$%7%!02!*6!16=43:!A*1!)$6!02!<br />

37=%7!0*!23'3%.%*3!3$'*!A,,B$_L!F,%.3+40%!*63!6*%!65!3$%.!4%$0*1:L(F,-.[0710*F!+,0>0*F-!I7%'3=7%!6*!%'73$C!*67!'!4071!3$'3!5,0%2!)03$!032!3)6!)0*F2C!<br />

4=3!'7%!I6..=*030%2!,0/%!(6=:!9%!$'>%!*%F,%I3%1!*63$0*F!0*!3$%!@66/C!3$%*!=*36!3$%07!8671!<br />

3$%(!+',,-!2$',,!4%!F'3$%7%1:L!F,-.,%c09,*+%3')>!(13!*+%!a6.>%0%)*!*1!14463


!"#$%&'()"(*)&$%+)'!<br />

#+'(0e"!#$).()*(#+'(&!/#(0!1(<br />

(<br />

#38(&495(04@(W"89HCC8D5:7495(4(J8C:76(7E(Q`Y```(184C9j((<br />

!<br />

;#$%!'*F%,2!'*1!3$%!Tn$!`o0470,a!'2I%*1!36!D0.!0*!'!&'(!3$%!.%'2=7%!)$%7%65!02!5053(!<br />

3$6=2'*1!(%'72:L!F,-./0c00$+Q')%!:,'*')>!(13!Uc!&'%!*+%!.63,*'1)!(310!:+%)!*+%!-6)!<br />

.%4&')%-!(13!-%**')>!6)*'&!'*!('),&&/!-%*-E]!F,H""(d0c-002(8H%(G+HH00B(S&$+1+&=()"(H&(0#)7&%)+R(H'(<br />

,-500%&&BJ!<br />

(<br />

(<br />

(<br />

#+'(/e.(2$&&(0"!2(%&)/'(<br />

!<br />

[\)!*+%!P,/!1(!V%-633%4*'1)!*+'-%3!1(!D&&,+!=6*!+'-!+,).!<br />

*1:,3.-!+'-!016*+E]!F,-(/+6=0=(+H%(,4A0=2(R"--&R)&=(+%(D07+7(/#4-+9(I*%OB(


!"#$%&'()"(*)&$%+)'!<br />

!"#$%#&'(#)$*+#,$ -#./()$<br />

%&'!(!)*+',!-./!0&1+'2!<br />

• 3!4)/5!,)6',!<br />

• 3!78)5&!9&8!:,'9!);!.*!5&'!98,/&.;!8&'+!58!5&'!=1/4.+!<br />

• %98!;'8;6'!9&8!68'!'1>&!85&',!&1,.57!1*+!&.+'/!.5!<br />

• 3!;',/8*!9&8!,'='=C','+!3661&!.*!;,.15'!1*+!&./!'7'/!/&'+!<br />

5'1,/!<br />

%&'!G,8;&'5! !/1.+2!D!"#(#$/(#$,#0#+$."12$344/"$.544$,"/)#$5+$65,$%"/)#$1+$<br />

7"#$8/9$."#+$7"#(#$5,$+1$,"/)#$#:&#;7$65,$%"/)#2!1!4)/5!,)6',H!1!78)5&!9&8!:,'9!<br />

);!.*!5&'!98,/&.;!8H!1!=1*!9&8/'!&'1,5!./!1551>&'+!58!<br />

5&'!=8/J)'/H!598!='*!9&8!68'!'1>&!85&',!&!<br />

5&15!&./!6'&1,.57H!1*+!1!=1*!9&8!<br />

,'='=C','+!3661&!.*!;,.15'!1*+!/8!&./!'7'/!/&'+!5'1,/OF!P,-#(.#$/+$/01(2"33&2)&4(+%(<br />

5/0+0(/367#80/$+1(9"3:;1(1(8',/!1!I)/6.=K/!=./51A'/!1*+!/&8,5>8=.*:/!<br />

T-'!9&8!,'6.''/!1!&1,+/&.;!8&1,:'OF!P@#A3+BQ!<br />

$<br />

"!#$!"!


!"#$%&'()"(*)&$%+)'!<br />

!"#$H'+5,"2#+7$*+#,$<br />

$<br />

5"B&(&E/BF3&A(A0"G%(-&3"GH(<br />

$<br />

!"#$%5+$ !"#$H'+5,"2#+7$<br />

%&8/'!R&8!%),*!3917!5.8*B!8',9&'6='+!C7!"'2545/751+,$(12$/44$,5)#,OT!<br />

P,)6I+$B+40+1(./A/%(./4&&)0Q!<br />

D38.+!8;;,'//.8*B!C'>1)/'!8;;,'//.8*!9.66!,'/)65!.*!)##;$)/(@+#,,!8*!X'/),,'>5.8*!<br />

U17OF!P@#A3+BQ!<br />

%&'!I)/6.=/!R&8!U.+!`85!G17!a1A1&!<br />

T%&8/'!9&8!&81,+!);!5,'1/),'/!8


!"#$%&'()"(*)&$%+)'!<br />

"!#$!"!<br />

!"#$%&'()!)&'$&*$!"#$+,)'#($&'#-!<br />

!<br />

!./0$1233$456/$"57/!<br />

!<br />

"#$!%&'!()*!+&'$!%&'!,)-%!./01!)1123'-4!%&'!51262$)7-!+277!7/-'!)77!&/8'9:!%,$-.#/&!$'()#*!<br />

!<br />

!<br />

!./0$1233$8/$+926/:$;328=$9


!"#$%&'()"(*)&$%+)'!<br />

"!#.!"!<br />

B865!6:H=625!18>1!182!702!;73!87:!601234255670!65!:>92!:F51!J2!>!J2=62L23!60!A!/1!65!<br />

0>33>129!;37:!I3>8!18>1!182!O25520D23!7;!8!<br />

!5>69(!P!./$7/573/$1.5$1233$8/$<br />

56E$83/66/:$80$0$2F52!8!1>K>=>!5>I5(!<br />

";&/!2-!&'!%&)%!5)$!2$%'15'@'!+2%&!.26!'J5'8%!+2%&!.2-!L'162--2/$M:!%,0-363$34&!#(#--*!<br />

!<br />

$A 8!1>K>=>!:F51!>HH37L2!7;!182!60123425573&!>5!8!1>K>=>!5>I5(!"N+&/-'!2$%'15'--2/$!+277!<br />

)3)27!$/%&2$


!"#$%&'()"(*)&$%+)'!<br />

)!4231>60!C609!7;!H27H=2*!>09!6==!;6d!>!<br />

=6:61!87:!/!6==!>9:61!6017!T>3>9652A!/!6==!47:2!J>4C!>D>60&!>09!820!/!522!:I![739!%>D>60*&!/!<br />

6==!;>==!970!60!H37513>1670!J2;732!@6:&!>09!@2!6==!=2>L2!:2!%60!H37513>1670*!>5!=70D!>5!@2!<br />

65825&!>09!1820!@2!6==!5>I&!Z\!OF8>::>9]!Y>652!I7F3!82>9!>09!5H2>C&!;73!I7F!6==!J2!=6512029!<br />

17e!>09!>5C&!;73!I7F!6==!J2!D3>0129!%I7F3!32NF251*e!>09!601234292&!;73!I7F3!2652!:I![739!618!4231>60!H3>6525&!8648!@2!8>5!1>FD81!:2&!>09!1820!/!<br />

6==!601234292A!!<br />

8!6==!>==7!:2!17!601234292!%;73!>!4231>60!C609!7;!H27H=2*!>09!6==!;6d!>!=6:61!17!<br />

87:!/!6==!>9:61!6017!T>3>9652&!/!6==!321F30!>D>60&!>09!820!/!522!:I![739&!/!6==!;>==!970!%60!<br />

H37513>1670*!>09!@2!6==!=2>L2!:2!%60!H37513>1670*!>5!=70D!>5!@2!65825&!>09!1820!@2!6==!5>I&!Z\!<br />

OF8>::>9]!Y>652!I7F3!82>9!>09!5H2>C&!;73!I7F!6==!J2!=6512029!17&!>09!>5C&!;73!I7F!6==!J2!<br />

D3>0129!%I7F3!32NF251*e!>09!601234292&!;73!I7F3!601234255670!6==!J2!>442H129AZ!/!6==!1820!H3>652!<br />

:I![739!618!4231>60!H3>6525&!8648!@2!8>5!1>FD81!:2&!>09!1820!/!6==!601234292A!8!6==!>==7!<br />

:2!17!601234292!%;73!>!4231>60!C609!7;!H27H=2*!>09!6==!;6d!>!=6:61!17!87:!/!6==!>9:61!6017!<br />

T>3>9652A!/!6==!47:2!J>4C!>09!5>I&!Z\!:I![739]!W702!32:>605!60!@2==!%f632*!JF1!18752!87:!<br />

gF3Z>0!8>5!6:H3657029!1823260!>09!;73!87:!2123061I!60!@2==!%f632*!8>5!J247:2!602L61>J=2AZ!X!<br />

B82!T37H821!>9929&!XB8232!6==!47:2!7F1!7;!@2==!%f632*!2L23I702!87!5>I5(!Z[>!6=>8>!6==8&Z!<br />

>09!8>5!60!865!82>31!D779!2NF>=!17!182!26D81!7;!>!J>3=2I!D3>60A!B820!18232!6==!47:2!7F1!7;!@2==!<br />

%f632*!2L23I702!87!5>I5(!Z![>!6=>8>!6==8&Z!>09!8>5!60!865!82>31!D779!2NF>=!17!182!26D81!7;!>!<br />

82>1!D3>60A!B820!18232!6==!47:2!7F1!7;!@2==!%f632*!2L23I702!87!5>I5(!Z[>!6=>8>!6==8&Z!>09!<br />

8>5!60!865!82>31!D779!2NF>=!17!182!26D81!7;!>0!>17:!%73!>!5:>==251!>01*AX!%"":(BCDE(F3>+)4(<br />

BGHI*!<br />

!<br />

!<br />

Y9C25>6$&E./C$)51!618!F5&!<br />

H3>I!618!F5&!>09!D7!17!8>EE!618!F5AKK!c7!182I!6==!J2!17=9&!PB>C2!7F1!87:2L23!I7F!4>0!<br />

3247D06h2!7;!182:Ai!B8F5!182I!6==!1>C2!7F1!%7;!182!;632*!>!=>3D2!0F:J23!7;!H27H=2Ai!%#:43$+E(<br />

J#20+/*!<br />

• 8!1>!>=>(!XB820!182!H37H8215!>09!09!182!J2=62L235!6==!601234292&!>09!%=>51!7;!>==*!<br />

182!I&!ZW7!32:>605!OI!601234255670AK!@2!6==!1820!87=9!>!8>09;F=!7;!<br />

182!f632!;37:!8648!@2!6==!1>C2!7F1!57:2!H27H=2!8752!J79625!8>L2!J220!JF301&!>09!182I!<br />

6==!J2!18370!6017!>!36L23!>1!182!2013>042!7;!T>3>9652&!4>==29!182!>123!7;!=6;2A!B82I!6==!<br />

D37!70!615!J>0C5&!>5!>!5229!4>33629!JI!182!1733201!D375A!a7F!8>L2!0716429!87!61!D375!<br />

J25692!>!374C!73!J25692!>!1322&!>09!87!182!5692!;>460D!182!5F0!65!F5F>==I!D3220!86=2!182!5692!<br />

;>460D!182!58>92!65!8612A!B8752!H27H=2!6==!47:2!7F1!%7;!182!Y6L23!7;![6;2*!=6C2!H2>3=5&!>09!<br />

182I!6==!8>L2!%D7=920*!024C=>425&!>09!1820!182I!6==!20123!T>3>9652!8232FH70!182!H27H=2!<br />

7;!T>3>9652!6==!5>I&!ZB8252!>32!182!H27H=2!=6J23>129!JI!182!_202;64201A!@2!8>5!>9:61129!182:!<br />

6017!T>3>9652!6187F1!182:!8>L60D!9702!>0I!D779!92295!>09!6187F1!520960D!;7318!>0I!D779!<br />

%;73!182:52=L25*AZ!B820!61!6==!J2!5>69!17!182:&!Zf73!I7F!65!8>1!I7F!8>L2!5220!>09!615!<br />

2NF6L>=201!>5!2==AZX!%"":(BCDE(F3>+)4(BGDK2*!<br />

• j86=9320!87!9629!J2;732!182!>D2!7;!HFJ231I!<br />

• B82!gF3>0(!<br />

o cF3>1!>=!OF=C!6==!601234292!F016=!182!H23570!65!;73D6L20$<br />

o cF3>1!>=!_>N>3>8!>09!cF3>8!=!b/:3>>0!<br />

"!#-!"!


!"#$%&'()"(*)&$%+)'!<br />

"!#Q!"!<br />

!"#$+#%&+(-$<br />

$<br />

!.C//$FC5>76$5@$G/573/$<br />

$<br />

"G$@!*/0!D)77E!+277!'!2$!%&1''!'5/1@!D/=!@''@-E9!C&2-!()*!*/0!-&)77!'!1'5/68'$-'@!=/1!+&)%!*/0!0-'@!!!%/!<br />

@/9"!%,0-!3)4+'34&!.-(#M*!<br />

!<br />

• "G$@!'3'1*!-/07!+277!5/6'4!+2%&!2%!)!@123'1!)$@!)!+2%$'--9:!%N33O&!-'(#)*!<br />

!<br />

B82!936L23!6==!=2>9!86:!17!182!H=>02!7;!UF9D:201!>09!182!610255!6==!J2!182!>0D2=!%73!17!<br />

>0D2=5*!18>1!32473929!865!92295A!<br />

!<br />

• "G$@!;'!&)3'!=)-%'$'@!'3'1*!6)$V-!@''@-!%/!&2-!$'5F4!)$@!/$!%&'!()*!/=!>'-011'5%2/$4!<br />

;'!-&)77!12$S.E$12E.2


!"#$%&'()"(*)&$%+)'!<br />

"!#+!"!<br />

!./$-7//D.$5@$Z339.$E9!939$E5$"26$-/CH941!7;!73586H!8648!6==!J2!NF25167029!>J7F1!6==!J2!7F3!H3>I23A!!<br />

!<br />

B82!T37H821!<br />

!5>69(!PB82!;6351!1860D!;73!8648!>!H23570!6==!>447F01!9F360D!Y25F33241670!S>I!65!<br />

865!H3>I23A!/;!61!>5!D779&!82!6==!J2!5F44255;F=e!>09!6;!61!>5!J>9&!82!6==!J2!>!=7523Ai!%,)-<br />

)4+E(,%-@3233;&&Q(V&$+O+&>()"(7&(3#)4&%)+W(7'(30(,0733%&&(P934&&4(#0-!33/+;(@"(KHKHU*!<br />

$<br />

B82!;6351!1860D!%;37:!182!36D815!7;!8F:>05*!18>1!:>0C609!6==!J2!EF9D29!;73!6==!J2!182!:>11235!<br />

470423060D!J=7795829&!9F2!17!182!T37H821K5<br />

!5>I60D(!PB82!;6351!1860D!18>1!6==!J2!EF9D29!<br />

J21220!:>0C609&!70!182!S>I!7;!UF9D2:201&!6==!J2!182!:>11235!470423060D!J=7795829Ai!<br />

%#:43$+*!<br />

$<br />

$<br />

#H/C059!<br />

!5>69(!PB82!570!7;!:!6==!071!H>55!>>I!;37:!8!F016=!82!65!<br />

>5C29!>J7F1!;6L2!1860D5(!87!82!=6L29!865!=6;2&!>09!87!82!F16=6h29!865!I7F18&!618!8>1!:2>05!<br />

969!82!2>30!865!2>=18&!87!969!82!5H209!865!2>=18&!>09!8>1!969!82!97!618!865!C07=29D2Ai(<br />

%M"">(8>9618!$&X"$)&>(7'(1/3/(,)-


!"#$%&'()"(*)&$%+)'!<br />

"!#M!"!<br />

#960$+/DB512=I!>09!>5C!86:!XS7!I7F!C07!1865!560^!S7!<br />

I7F!C07!18>1!560^!B82!J2=62L235!32H=I!6==!J2&!Pa25!\8![739&i!F016=!82!65!32:60929!>J7F1!>==!7;!<br />

865!5605&!>09!82!1860C5!82!6==!H23658A!B820!8!6==!5>I!X/!47L2329!FH!I7F3!5605!9F360D!I7F3!=6;2&!<br />

>09!/!6==!;73D6L2!I7F3!5605!179>IA!B820!82!6==!J2!D6L20!865!J77C!7;!D779!92295ki(%#:43$+E(<br />

J#20+/*!<br />

$<br />

$<br />

!./$(55/:$&J7F1!2L20!182!5:>==251!7;!18263!92295!>09!8>L2!18263!>447F01!<br />

4=752=I!2d>:6029!6==!J2!3F6029A!!<br />

!<br />

B82!T37H821!<br />

!5>69(!P\0!325F33241670!S>I&!07!702!65!82=9!>447F01>J=2!2d42H1!18>1!6==!J2!<br />

977:29A!\0!82>360D!1865&!!%:>I!8!1>!>=>!J2!H=2>529!618!823*!>3DF29!18>1!8!5>I5(!aG-!<br />

=/1!&26!+&/!2-!447F01!65!4=752=I!2d>:6029&!82!6==!J2!977:29AK!%,0(#:43$+E(J#20+/E(<br />

")4&$2*!<br />

!<br />

P09!182!8IH7436125&!182I!6==!J2!4>==29!7H20=I!60!HFJ=64(!bB8252!>32!182!<br />

7025!87!=629!>D>6051!18263![739]!l236=I!8K5!4F352!65!FH70!182!F0EF51!7025]Ki!%#:43$+E(<br />

J#20+/*!<br />

$<br />

$<br />

!./$]^=^^^$#32E/$G/573/$A.5$1233$#E$Z==!20123!T>3>9652!6187F1!324C7060D!73!HF0658:201A!B82I!<br />

>32!18752!87!97!071!522C!YFNI>8!;37:!718235!%7395!;37:!182!gF3>0!73!cF00>8!5>69!;73!182!<br />

2dH3255!HF3H752!7;!H371241670!73!4F32*&!073!93>!7:205&!JF1!32=I!FH70!18263![739Ai!%J#20+/*$<br />

$<br />

$<br />

$<br />

!"#$A)!'#--#-$<br />

$<br />

!./$!/6E25


!"#$%&'()"(*)&$%+)'!<br />

"!#,!"!<br />

,0-#:433$+(PSSYIU!0>33>129!18>1!K229!>="`8F936!%:>I!8!1>!>=>!J2!H=2>529!618!86:*!<br />

5>69(!B82!O25520D23!7;!8!%H2>42!>09!J=25560D5!7;!8!1>!>=>!J2!FH70!86:*!5>69(!PW778!<br />

%H2>42!J2!FH70!86:*!6==!J2!4>==29!70!182!S>I!7;!Y25F33241670!>09!61!6==!J2!5>69!17!86:(!bS69!I7F!<br />

470L2I!%182!:255>D2*^K!@2!6==!5>I(!ba25AK!B820!865!H27H=2!6==!J2!4>==29!>09!61!6==!J2!5>69!17!<br />

182:(!bS69!82!470L2I!%182!:255>D2*!17!I7F^K!B82I!6==!5>I(!bW7!>3023!4>:2!17!F5!>09!07!702!<br />

4>:2!17!F5AK!/1!6==!J2!5>69!17!W778(!bR87!6==!J2>3!610255!;73!I7F^K!@2!6==!5>I(!bOF8>::>9!<br />

>09!865!F::>8AKi!@2!5>69(!PB8>1!65!182!7395!7;!8&!bB8F5!R2!8>L2!:>92!I7F!>!EF51!%>09!182!<br />

J251*!0>1670AKi!9!%)'M,)*!>9929(!@2!5>69(!P==29!>09!182I!6==!J2>3!<br />

610255!18>1!82!470L2I29!%182!:255>D2*&!1820!/!6==!J2>3!610255!;73!I7FAi$<br />

$<br />

$<br />

Z339.$E9!939N6$!/6E255!J60!O>=6C&!:>I!8!1>K>=>!J2!H=2>529!618!86:&!5>69&!XB82!O25520D23!7;!8!=>FD829!>09!<br />

5:6=29!702!9>I&!>09!5>69(!R6==!I7F!071!>5C!>J7F1!8I!/!=>FD829^ZZ!B82I!5>69&!X\!O25520D23!7;!<br />

8&!8I!969!I7F!=>FD8ZZ!@2!5>69(!/!>5!>:>h29!>1!87!>!523L>01!6==!965HF12!618!865![739!70!<br />

182!S>I!7;!Y25F33241670A!@2!6==!5>I&!XOI![739&!969!a7F!071!H37:652!:2!18>1!I7F!7F=9!071!132>1!<br />

:2!F0EF51=IZZ!8!6==!5>I&!Xa25AZZ!B82!:>0!6==!5>I&!X/!6==!071!>442H1!>0I!610255!>D>6051!:2!<br />

2d42H1!;37:!:I52=;AZZ!8!6==!5>I&!X/5!61!071!5F;;646201!18>1!/!>09!182!>0D2=5&!182!07J=2!5436J25&!<br />

>32!61025525ZZ!B8252!7395!6==!J2!32H2>129!52L23>=!16:25&!1820!>!52>=!6==!J2!H=>429!7L23!865!<br />

:7F18!>09!865!73D>05!%73!=6:J5*!6==!5H2>C!>J7F1!8>1!82!F529!17!97A!B820!82!6==!5>I&!XI!<br />

618!I7F]!/1!>5!70=I!;73!I7F3!5>C2!18>1!/!>5!>3DF60D]ZZ!%1)(=32($&W"$>&>(7'(4+/E(17%(,7+(F3)+/E(<br />

J#20+/E(,%-@323^+Q*!<br />

$<br />

$<br />

!/6E25


!"#$%&'()"(*)&$%+)'!<br />

!"#$-%Z4#-$OZ4$L)_ZZ'P$<br />

!<br />

"G$@!%&'!+'2'-011'5%2/$4!%&'$!$/$'!+277!'!@')7%!<br />

+2%&!0$Q0-%7*!2$!)$*%&2$()"(7&(3#)4&%)+W(7'(,0-<br />

,0733%&&(32-934&&434(@"Q(CSR*!<br />

$<br />

L43)(=+00(7&(=&+\4&>`(<br />

• B82!>41F>=!92295!!<br />

• B82!J77C!7;!3247395!<br />

• B82!H23570!86:52=;!6==!J2!26D829!<br />

!<br />

63>!32H73129!8Z5!O25520D23! !>5!5>I60D(!PI!7;!EF9D:201!>09!82!7F=9!071!4>33I!182!26D81!17!182!2I2!7;!8!2NF>=!2L20!17!18>1!7;!>!<br />

D0>1A!W73!58>==!R2!521!FH!>!J>=>042!;73!182:!70!182!S>I!7;!Y25F33241670AX!%J#20+/*!<br />

!<br />

"d]12V)&!D%&'!-%12F2$'-011'5%2/$E4!DeE!;&)%!2-!%&'!-%12F2$


!"#$%&'()"(*)&$%+)'!<br />

!"#$%"&%'($%)*+('$",-%<br />

.$$/-%%<br />

%!&'()!*+,'+&!-./!-!,'&+!<br />

*-0+/!1.!23--!',--4-!<br />

',-,,--45!<br />

W11/!>4-(->+(!-./!<br />

>1./C>!<br />

F-;'.78!9!,>(17BC881(*%51%<br />

>*(1#/*(*%<br />

!-./!<br />

!,>(17BC881(*8BC/($$#%<br />

@H!<br />

W11/!/++/0!I'.!7+.+(-,J!<br />

0$123%4$514/%<br />

• %,,-450!6+00+.7+(! !0-'/8!9610+0!0-'/8!:!);!31(/4!)+!01)+4'.7!*;!@4'>4!A!>-.!(+)+)*+(!B1C!-./!<br />

0CDD,'>-+!1!B1CE!%,,-4!0-'/8!:!610+0'1.E!O'.+;".'.+!0>(1,,0!@',,!*+!C.&C(,+/!&1(!4')L!+->4!0>(1,,!+P+./'.7!-0!&-(!-0!4+!+;+!>-.!0++E!=4+.!'!<br />

@',,!*+!0-'/8!M1!;1C!/+.;!-.;!1&!4'0!Q'E+E!;1C(!*-/!/++/0RS!F1!4+!)-.!@',,!(+D,;8!O1L!T!31(/E!=4+.!'!@',,!*+!0-'/8!M1!<br />

;1C!4-G+!-.;!+P>C0+!1(!-.;!711/!/++/S!=4+!)-.L!'.!-!0-+!1&!+((1(L!@',,!-.0@+(8!O1E!A!@',,!4+.!*+!0-'/8!N-4+(L!<br />

;1C!/1!4-G+!01)+!711/!/++/0!-./!.1!'.UC0'>+!@',,!*+&-,,!;1C!4'0!M-;E!F1!-!D-(>4)+.!@',,!*+!-V+.!1C!&1(!4')L!<br />

CD1.!@4'>4!4+(+!@',,!*+!4+!+0'&'>-'1.!1&!,--!',--4-!',,-,,--4!-./!4+!+0'&'>-'1.!4-!6C4-))-/!'0!4+!F,-G+!<br />

-./!6+00+.7+(!1&!%,,-4E!=4+!)-.!@',,!0-;8!T!31(/L!@4-!'0!4'0!D-(>4)+.!'.!>1)D-('01.!1!410+!0>(1,,0$%$%($123@H!I,&-"$)&.(/'(2)><br />

F+$@+.3&&(67"8(9G;B<br />

K=/22%&&(+%(24>523&&323(67"8B:D'1.!M-;L!4+!($12*$-'%'(*7+%*7%1%-$4217'A-%-918$-!'0!711/!)-..+(0EH!IK/""(N2L"".J!<br />

%*C!XC(-'(-4!I6-;!%,,-4!-!-,-!*+!D,+-0+/!@'4!4')J!(+D1(+/8!=4+!6+00+.7+(!1&!%,,-4! !0-'/L!9=4+(+!-(+!@1!<br />

0-+)+.0!4-!-(+!8*+('%&"4%'($%'"7+,$%'"%4$#$#>$4:%($123%*7%'($%!918$-!-./!-(+!/+-(!1!4+!6+(>'&C,8!YFC*4-."<br />

%,,-4'!@-!*'4-)/'4'L!FC*4-."%,,-4',"%/4++)!QW,1(;!*+!1!%,,-4!-./!X'0!'0!4+!D(-'0+L!I-./J!%,,-4L!4+!W(+-+0!'0!&(++!<br />

&(1)!')D+(&+>'1.RZEZZ!IK=>O#32$+H(A#4=+@J!<br />

9[41+G+(!*('.70!-!711/!/++/!04-,,!4-G+!'$7% '*#$-% '($% 8*D$% '($4$"&% '"% (*-% 94$/*'L!-./!@41+G+(!*('.70!-.!+G',!/++/!<br />

04-,,!4-G+!1.,;!4+!(+>1)D+.0+!1&!4+!,'V+!4+(+1&L!-./!4+;!@',,!.1!*+!@(1.7+/EH!IK=>K%P2@L!\8$\TJ!<br />

"!#$!"!


!"#$%&'()"(*)&$%+)'!<br />

"!#$!"!<br />

!"#$%&#'!#(!$)*(#&($<br />

!<br />

!"#$%&'%()*#++#,%<br />

-.%/"*#00%12%3200%$4)%3*2%562#3273%047267%89%627:2;3%4*472%*472%2066!F5!7./!F567G5:!H/7453!<br />

!;7667>5:!FI!345!F5605G5/8B!J1I715!>47!<br />

:/01E8!;/7=!03!>066!15G5/!F5!340/83I!92901K!<br />

!<br />

3%-'()1&()$#&(4&-+&5&$6(7+--(4&(0--"7&8()"(8$+%9(2$":(+);(<br />

!<br />

J198!/57/38!3493!345!H/7453!<br />

!71A5!:7L5:!7;;!;7/!9!603365!>4065B!M5!3451!/9085:!408!459:!91:!<br />

8=065:B!D451!45!50345/!890:!37!345=!7/!345I!890:!37!40=&!NO493!498!=9:5!I7.!8=065PQ!M5!890:&!NJ!<br />

C77/94!498!R.83!F551!/5G5965:!37!=5B!S3!89I8&!TS1!345!U9=5!7;!J6694&!345!V783!W/9A07.8&!345!V783!<br />

V5/A0;.6&!O5!49G5!20G51!I7.!345!X9>345/!%Y0G5/!7;!JF.1:91A5,Z[!.1306!345!51:!7;!345!C77/94B!<br />

D451!45!890:&!N-7!I7.!E17>!>493!J6"X9>345/!08PQ!D45I!890:&!NJ6694!91:!M08!V5885125/!E17>!<br />

F583BQ!M5!890:&!NS3!08!9!/0G5/!J6694!>066!20G5!=5!01!H9/9:085B!S3!>066!9F7.1:!01!277:1588B!\1!345!-9I!<br />

7;!5/8!>066!A7=5!37!03!91:!;01:!345/5!98!=91I!A.8!;7/!:/01E012!98!345!<br />

1.=F5/!7;!839/8B!C7=5!7;!345=&!47>5G5/&!>066!F5!39E51!9>9IB!S!>066!89I&!T\!J6694&!345I!9/5!;/7=!<br />

=I!193071B[!J6694!>066!89I&!T]7.!:7!173!E17>!>493!345I!:0:!9;35/!I7.B[!%,1:08,!<br />

$<br />

066!A7=5!37!=5!>034!8401I!;9A58!91:!60=F8!;/7=!345!3/9A5!7;!>.:77!%9F6.3071,B[Q!%


!"#$%&'()"(*)&$%+)'!<br />

J6694!>066!9667>!40=!37!=9E5!8.R77:B!J1:!17!5/871!>47!.85:!37!=9E5!8.R77:!;7/!:5A53071!7/!<br />

847>!7;;!F.3!3493!J6694!>066!3./1!408!F9AE!0137!715!F67AE!87!3493!45!>7.6:!;966!71!408!F9AE!91:!<br />

5G5/I!30=5!45!9335=38!37!=9E5!8.R77:B[!%=":4+%0)+"%("2(108+)1($&>"$8&8(4'(0-(#910$+@(


!"#$%&'()"(*)&$%+)'!<br />

!67$8743797:;$I5$567$(3:II5$.8:3A>70$<br />

$<br />

!>*262%87%943%492%4*29%12%7*#00%7#@2%3*472%*4%)72%34%


!"#$%&'()"(*)&$%+)'!<br />

"!#+!"!<br />

8#)S#U#&($/&*R##-$!*$')+W'T!'&'"F$8&S-%#$!*$X'TT'"$<br />

$$<br />

'4+WI5I:I6$3;$I$;PI44$7$IM57:$567$(3:II5C$263=6$567$


!"#$%&'()"(*)&$%+)'!<br />

HST')$-#(!ST'!S*T$*H$!"#$8#)S#U#&F$/'&'-S(#$<br />

$<br />

• U7!715!>066!5135/!0347.3!J6694!39!969[8!V5/AI!91:!W/9A5B!<br />

• U7!715!>066!5135/!M566;0/5!F.3!FI!J6694!39!969[8!R.830A5B!<br />

$<br />

$<br />

!67$-743>65;$1M$/I:IA3;7$<br />

$<br />

• !HHHH%3*472%*4%


!"#$%&'()"(*)&$%+)'!<br />

"!#f!"!<br />

• JF.!M./90/9!/57/35:!J6694l8!V5885125/! !98!89I012)!NS1!H9/9:085&!345/5!08!9!3/55!.1:5/!345!<br />

849:7>!7;!>40A4!9!/0:5/!A91!3/9G56!;7/!9!4.1:/5:!I59/8BN!%40!01!H9/9:085!08!F5335/!3491!3408!>7/6:!91:!96!3493!08!01!03Bj!%L0)1(0-.<br />

M$+@(NOPHQ@(0%.B0707+R6(>"::&%)0$'("%(066!98E&!jO47!<br />

9/5!I7.Pj!S!>066!89I&!jV.49==9:jB!D45!2935E555/!>066!89I&!jS!>98!7/:5/5:!173!37!751!345!2935!<br />

;7/!91I715!5685!F5;7/5!I7.Bjj!%066!F5!9!=91!>47!>066!9635/19356I!>96E&!839225/!91:!F5!<br />

37.A45:!FI!345!`0/5B!\1A5!45!498!9885:!7.3!7;!345!`0/5&!45!>066!3./1!37!;9A5!03!91:!89I&!jc65885:!<br />

F5!M5!O47!498!89G5:!=5!;/7=!I7.B!J66r4!498!20G51!=5!87=534012!3493!M5!:0:!173!20G5!37!345!<br />

59/605/!91:!6935/!2515/930718B!D451!9!3/55!>066!F5!/9085:!.!;7/!40=&!91:!45!>066!89I&!j\!=I!Y9FF&!<br />

F/012!=5!A6785/!37!3408!3/55!87!3493!S!=9I!51R7I!038!849:5!91:!:/01E!7;!038!>935/jB!J66r4!>066!89I&!!<br />

!<br />

j\!871!7;!J9:9=!5/498!0;!S!2/913!I7.!3408&!I7.!>066!98E!V5!;7/!87=534012!5685Pj!!<br />

!<br />

M5!>066!89I&!jU7&!\!Y9FF&!S!/7=085!3493!S!>066!173!98E!;7/!91I34012!5685jB!J66r4!>066!5@A.85!40=!<br />

F5A9.85!45!08!855012!87=534012!3493!45!498!17!93051A5!37!/58083!87!45!>066!F/012!40=!A6785/!91:!<br />

45!>066!51R7I!038!849:5!91:!:/01E!038!>935/B!D451!917345/!3/55&!F5335/!3491!345!;0/83&!>066!F5!/9085:!<br />

.!;7/!40=!91:!45!>066!89I&!j\!=I!Y9FF&!F/012!=5!159/!37!3408!3/55!87!3493!S!=9I!:/01E!038!>935/!<br />

91:!51R7I!038!849:5&!3451!S!>066!173!98E!I7.!;7/!91I34012!=7/5Bj!J66r4!>066!89I&!!<br />

!<br />

j\!871!7;!J9:9=!:0:!I7.!173!/7=085!V5!3493!I7.!>7.6:!173!98E!=5!;7/!91I34012!5685P!H5/498!<br />

0;!S!F/012!I7.!A6785/!37!3408!3/55!I7.!>066!98E!;7/!=7/5Pj!!<br />

!<br />

C7!345!=91!>066!/7=085!173!37!98E!;7/!91I!=7/5&!91:!J66r4!>066!5@A.85!40=!F5A9.85!45!08!855012!<br />

87=534012!3493!45!498!17!93051A5!37!/58083&!87!M5!>066!F/012!40=!A6785/!91:!45!>066!51R7I!038!<br />

849:5!91:!:/01E!038!>935/B!D451!9!340/:!3/55!>066!F5!/9085:!.!93!345!2935!7;!9/9:085&!91:!03!>066!<br />

F5!F5335/!3491!345!;0/83!3>7B!D45!=91!>066!89I&!j\!VI!Y9FF&!F/012!=5!A6785/!37!3408!o3/55p!87!3493!S!<br />

=9I!51R7I!038!849:5!91:!:/01E!038!>935/&!91:!S!>066!173!98E!;7/!91I34012!=7/5Bj!J66r4!>066!89I&!!<br />

!<br />

j\!871!7;!J:9=&!:0:!I7.!173!/7=085!V5!3493!I7.!>7.6:!173!98E!V5!;7/!91I34012!=7/5Pj!!<br />

!<br />

M5!>066!89I&!j]58&!\!Y9FF&!S!>066!173!98E!I7.!;7/!91I34012!=7/5Bj!M08!Y9FF&!=9I!M5!F5!267/0;05:&!<br />

>066!5@A.85!40=!F5A9.85!45!08!855012!87=534012!>40A4!45!498!17!93051A5!37!/58083&!87!M5!>066!<br />

F/012!40=!A6785/B!O451!45!08!F/7.243!A6785&!45!>066!459/!345!G70A58!7;!345!5765!7;!H9/9:085&!91:!<br />

>066!89I&!j\!=I!Y9FF&!9:=03!=5!37!03Bj!J66r4!>066!89I&!!<br />

!<br />

j\!871!7;!J:9=!>493!:7!I7.!>913!87!3493!I7.!>066!15G5/!98E!V5!;7/!91I34012!5685P!O066!03!65985!<br />

I7.!0;!S!20G5!I7.!345!>7/6:!91:!98!=.A4!92901Pj!!<br />

!<br />

M5!>066!89I&!j\!Y9FF&!9/5!]7.!=9E012!;.1!7;!=5!>451!]7.!9/5!345!Y9FF!96"Jr69=t1Pj!<br />

!


!"#$%&'()"(*)&$%+)'!<br />

SF1!V98l7.:!8=065:!91:!890:&!jO4I!:7!I7.!173!98E!=5!>4I!S!9=!8=06012Pj!D45I!98E5:&!jO4I!9/5!<br />

I7.!8=06012Pj!M5!890:&!jc5A9.85!345!V5885125/!7;!J66r4! !8=065:jB!D45I!98E5:&!jO4I!9/5!I7.!<br />

8=06012&!\!V5885125/!7;!J66r4! Pj!M5!890:&!!<br />

!<br />

jc5A9.85!345!Y9FF!7;!345!O7/6:8!>066!8=065!>451!M5!08!98E5:&!jJ/5!]7.!=9E012!;.1!7;!=5!>451!<br />

]7.!9/5!345!Y9FF!7;!345!O7/6:8Pj!M5!>066!89I&!jS!9=!173!=9E012!;.1!7;!I7.&!F.3!S!9=!9F65!37!:7!<br />

>4935G5/!S!>066Bj!%8&!;7/!03!08!345!4024583!9/3!7;!H9/9:085&!01!345!=0::65!7;!<br />

H9/9:085&!91:!;/7=!03!8/012!345!/0G5/8!7;!H9/9:085&!91:!9F7G5!03!08!345!%V0243I,!D4/715!7;!345!<br />

V783!V5/A0;.6BQ!<br />

!<br />

W1"(610--(+%1&$+)(L+$8076X!<br />

'B C.AA588;.6!01:55:!9/5!345!F5605G5/8B!<br />

$B D4785!>47!>034!3450/!C9694!9/5!X49840n.1!%>034!;59/!91:!>034!3/91^.06603I,B!<br />

#B J1:!34785!>47!3./1!9>9I!;/7=!J6"_924>!%066!855A4,!<br />

eB J1:!34785!>47!9I!345!u9E94B!<br />

+B J1:!34785!>47!2.9/:!3450/!/0G935!9/38B!<br />

dB m@A53!;/7=!3450/!>0G58!7/!3450/!/0243!491:!7885880718&!;7/!3451&!345I!9/5!;/55!;/7=!F69=5B!<br />

fB c.3!>475G5/!855E8!F5I71:!3493&!3451!34785!9/5!345!3/9182/5887/8B!<br />

(B D4785!>47!9/5!;9034;.66I!3/.5!37!3450/!J=9193!!%3/.838,!91:!37!3450/!A7G519138!9/5!Y9n.1!<br />

%9335130G5,!<br />

gB J1:!34785!>47!83/0A36I!2.9/:!3450/!C969>93!%/9I5/8,!<br />

'*B D4585!9/5!01:55:!345!450/8B!<br />

''B O47!84966!0145/03!H3:AI2;B!D45I!84966!:>566!345/501!;7/5G5/B!<br />

%,-.


!"#$%&'()"(*)&$%+)'!<br />

"!#g!"!<br />

D45!H/7453!7;!J6694!<br />

!19//935:&!NO451!34785!:585/G012!7;!H9/9:085!>7.6:!5135/!H9/9:085&!345!<br />

c65885:!91:!345!m@9635:!>7.6:!98E)!-7!I7.!>084!V5!37!20G5!I7.!91I34012!=7/5P!D45I!>7.6:!89I)!<br />

M9G5!]7.!173!F/0243515:!7./!;9A58P!M9G5!]7.!173!5135/5:!.8!0137!H9/9:085!91:!89G5:!.8!;/7=!<br />

`0/5P!M5!%345!19//937/,!890:)!M5!%J6694,!>7.6:!60;3!345!G506&!0%8("2()1+%Z6(Z+5&%()"()1&:(%")1+%Z(<br />

7"#-8(4&(8&0$&$()"()1&:()10%()1&(6+Z1)("2()1&+$(["$8@()1&(65$1M$>I@3>$I5$V1J:$R1J57I=7$IA$567$7I>7:7;;$1M$<br />

P7753>$V1JK]<br />

$<br />

$<br />

!"#$#T-$*H$-#'!"$<br />

!<br />

JF.!C9n55:!/57/35:!3493!J6694[8!V5885125/! !890:)!!<br />

j-5934!>066!F5!F/7.243!71!345!-9I!7;!Y58.//5A3071!01!345!;7/=!7;!9!>4035"A767/5:!/9=Bj!oJF.!<br />

X./90F!=9:5!345!9::03071&!jD451!03!>066!F5!=9:5!37!8391:!F53>551!H9/9:085!91:!M566Bj!C7!;9/!98!<br />

345!/583!7;!345!49:5534!08!A71A5/15:&!345/5!08!5/;5A3!92/55=513!F53>551!19//937/8Bp!jS3!>066!F5!<br />

890:!37!345!5765!7;!H9/9:085&!T-7!I7.!/5A7210L5!3408P[!D45I!>066!/9085!.!3450/!15AE8&!677E!<br />

37>9/:8!03!91:!89I&!T]58&!03!08!:5934B[!D451!9!A7==91:!>066!F5!20G51!37!869.2435/!03&!91:!03!>066!F5!<br />

890:&!T\!5765!7;!H9/9:085&!345/5!08!5G5/6983012!60;5!;7/!I7.!91:!17!:5934B[!D451!o9::/588012p!345!<br />

5765!7;!M566;0/5&!03!>066!F5!890:&!T\!5765!7;!M566;0/5&!345/5!08!5G5/6983012!60;5!;7/!I7.!91:!17!<br />

:5934B[j!J6694[8!V5885125/!%59A5!F5!.71!40=,!3451!/5A035:!345!;7667>012!G5/85!7013012!>034!<br />

408!491:!37!3408!o=935/096p!>7/6:)!/1#69%3*2+%4


!"#$%&'()"(*)&$%+)'!<br />

"!e*!"!<br />

&#H#&#TR#($'T-$&#R*YY#T-#-$&#'-ST%$<br />

!<br />

J6!X9>349/!C55!0-.A+'00:01(0-./#4$0&!$+f"$d$h!0-.!0%%01(70F-.B00$&!'dd&!'dfaF734!FI!C49IE4!<br />

Tx=9/!96"J84^9/(<br />

(<br />

ND45!c5605G5/!91:!-08F5605G5/!93!345!D0=5!7;!-5934Q!;/7=!,!9]:(0-.!0%]+^!FI!V."9==9:!Uw#0/!<br />

9:"-v1!96"J6Fw1v!<br />

(<br />

""9("2(*:00%!FI!SF1!D9I=0I94!<br />

(<br />

N-5934!91:!Y58.//5A3071!FI!345!m126084!_912.925!C5A3071!7;!345!-59/3=513!7;!S869=0A!<br />

Y587./A58Q!%0869=>9IB153,!!<br />

(<br />

G1&(*)&$%0-(!"#$%&'(B")&6!%J6V924/0F!S18303.35,!<br />

(<br />

G1&(*_`-0%0)+"%("2()1&(L#%80:&%)0-6("2(E6-0:+>(&-+&2(FI!C450E4!V.49==9:!0F1!C9604!<br />

J6"x349I=551&!D/918693071!FI!JF.!C96=91!-0I9!.:"-551!mF5/65!<br />

"<br />

L0)1(0-.00$+!FI!96"M99;0L!SF1!M9R9/&!''kedd!<br />

(<br />

G1&(\$05&(+6("#$(,``"+%)&8(a-0>&(.(b0$(0-.W0)0%@(c+'081&!D/9186935:!FI!`9/409!]94I9!<br />

(<br />

C"7(U>"$&6(W+--(&(U&))-&8(3%(G1&(b0'(32(c&6#$$&>)+"%!FI!-/B!nx=9/!J6"J84^9/!<br />

(<br />

/+)004(,).G071&&8!FI!C490E4!S=9=!V.49==9:!JF:.6"O94499F!<br />

(<br />

/%"7+%Z()1&([06)(b0'!FI!V.49==9:!96"


!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

Al Huda <strong>Sisters</strong> are a group <strong>of</strong> dedicated Muslim<br />

women committed to providing authentic, insightful,<br />

and enlightening Islamic education for the Muslim<br />

and non-Muslim women and girls <strong>of</strong> our community.<br />

We are a non-pr<strong>of</strong>it organization with members from<br />

various backgrounds and cultures coming together<br />

under the banner <strong>of</strong><br />

(Laa ilaaha illallaah).<br />

To many <strong>of</strong> us, Al Huda has become our second home:<br />

a place where we not only bond with our sisters for<br />

the sake <strong>of</strong> Allah, but also nourish our hearts and<br />

souls in the hope <strong>of</strong> coming closer to our Lord.<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!<br />

!

Hooray! Your file is uploaded and ready to be published.

Saved successfully!

Ooh no, something went wrong!