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YOUR OMERS PENSION OPTIONS
Date: October 06, 2020

Dear Sean Michael MCQUOID, Reference number: 1212813-01
Your employer has notified us that your employment ended on October 1, 2020. We have prepared this pension options
package to outline the choices that are available to you for your:
OMERS Primary Pension Plan ("OMERS Plan") defined benefit pension
You will receive a separate options document for your OMERS additional voluntary contributions (AVC) account.
In this package, you will find:

YOUR OMERS PENSION OPTIONS - descriptions of your pension options and an election form for each one;
YOUR OMERS RECORD - a list of your information in our records;
NOTES AND INFORMATION - explanations to help you understand your pension options; and
additional information forms that you may need to complete, if applicable.
Note that any dollar amounts shown in this document are as of October 1, 2020.
Next steps
Review your options carefully and make the choice that is right for you. Financial decisions about your pension are
important.
Seek the advice of a qualified financial adviser if you need help in making your decision.
Send the completed and signed election form for the option you choose (and any other required documents) to
OMERS, EY Tower, 900-100 Adelaide St W, Toronto, Ontario M5H 0E2 or fax it to 1.416.369.9704 or 1.877.369.9704
(toll-free).
IMPORTANT | Please return your completed election form and any other required documents by
April 6, 2021.
If you do not return your election by that date, your pension election will be automatically recorded as
a deferred pension (see Option 1), and some options may no longer be available to you.
On that date, if we learn that you have re-enrolled in the OMERS Plan, we will automatically merge your
current pension record with your new one under a single membership (subject to the conditions
described under the option "Combine your current and future OMERS pension"). This will eliminate all
other pension options until you once again terminate employment.
Notice about 2020 payment from OMERS: If you would like your payment to be processed in the 2020
calendar year, we must have received your completed election form and all supporting documents no later than
November 30, 2020. If we receive your election documents after this date, your election may be held for
processing until January 2021.
MVT03/2865394 Private and Confidential Page 1 of 19

Date issued: October 06, 2020
YOUR OMERS PENSION OPTIONS
We're here to help

If you have questions please call Member Services at +1 416.369.2444 or +1 800.387.0813, Monday to Friday
between 8 a.m. and 5 p.m. You can also start a conversation using our secure communication channel in your
myOMERS account. To allow us to serve you better, please quote the reference number shown above.
For detailed information about OMERS pension benefits, we invite you to visit www.omers.com at any time.
Thank you.

YOUR OMERS
PENSION OPTIONS
Sean Michael MCQUOID Membership number: 1212813-01 Group number: 169815
OPTION 1 KEEP YOUR PENSION WITH OMERS
You can leave your OMERS Plan pension with OMERS as a deferred pension, payable from April 30, 2031 when you
reach your normal retirement age of 60.
If you select this option, you will:

defer your OMERS Plan pension (leave it in OMERS)
Annual amount Monthly amount
Your OMERS Plan lifetime pension: $41,583.15 $3,465.26
You will also receive a bridge benefit, in addition to the pension shown above, payable from April 30, 2031 until age
65.
Annual amount Monthly amount
Your OMERS Plan bridge benefit to age 65: $9,048.42 $754.04
The last payment of your bridge benefit will be the first day of the month in which you turn 65.
You can start your pension as early as age 50, subject to the early retirement reduction rules explained in the OMERS
member handbook, Your OMERS Pension.
Effective January 1, 2013, benefit calculation changes affect members whose employment ends and who are not yet
eligible for an early retirement pension - that is, those who are not within 10 years of their normal retirement age. For
details, see "Benefit calculation changes" in NOTES AND INFORMATION.
IMPORTANT | Option 1 is the default option. If we don't receive your election form by April 6, 2021,
we will automatically defer your pension until your normal retirement date.
An OMERS Plan pension is a valuable benefit that includes inflation protection and excellent survivor benefits. Keeping
your pension with OMERS (as a deferred pension) gives you future options, such as receiving an early or normal
retirement pension from the OMERS Plan. It also enables you to keep your AVC account open and make fund transfers
into it.

YOUR OMERS
PENSION OPTIONS
ELECTION FORM COMPLETE AND RETURN THIS FORM TO ELECT OPTION 1
Check here to choose Option 1: Keep your pension in the OMERS Plan as a deferred pension
Mail or fax to OMERS...

this election form - completed, signed and dated
SIGN AND DATE HERE TO ELECT OPTION 1
Your signature Date (m/d/y)

YOUR OMERS
PENSION OPTIONS
OPTION 2 COMBINE YOUR CURRENT AND FUTURE OMERS PENSION
If you already have or you are going to take a job with another OMERS employer, you may be able to combine your entire
pension record under a single membership with your new OMERS employer.
IMPORTANT
Your new OMERS employer will re-enrol you in the Plan. However, if your new employer doesn't send
us your enrolment forms by April 6, 2021, then we will defer your pension.
If your termination date with your current employer is after your enrolment date with your new
employer, we may not be able to combine your old and new member records. If this is the case, we will
contact you to discuss your options.

YOUR OMERS
PENSION OPTIONS
ELECTION FORM COMPLETE THIS FORM TO ELECT OPTION 2
Check here to choose Option 2: Combine your current and future OMERS pension
Provide the name of your new OMERS employer.
Name of your new OMERS employer

this election form - completed, signed and dated.

YOUR OMERS
PENSION OPTIONS
OPTION 3 TRANSFER YOUR PENSION OUT OF OMERS TO ANOTHER DEFINED

BENEFIT PENSION PLAN
If you are moving to a non-OMERS employer, you may be able to transfer your OMERS Plan pension into your new
employer's defined benefit registered pension plan (RPP). Your new RPP would have to approve the transfer and the
transfer would have to meet all conditions set out in the plan provisions and legislation applicable to the type of transfer.
If you are interested in this option, please note that there are strict deadlines that apply to transfers to other RPPs. The
prompt return of your election form is important.
IMPORTANT | If the transfer takes place,

you will forfeit all your rights to an OMERS Plan pension, and
you will no longer be able to maintain your additional voluntary contributions (AVC) account.

YOUR OMERS
PENSION OPTIONS
Check here to choose Option 3: Transfer your pension out of OMERS to another defined benefit pension plan
Provide the name of your new employer and your new defined benefit registered pension plan.
Name of your new employer
Name of your new defined benefit pension plan (if known)
Once we receive your election form, we'll send you more information and a transfer form to complete. If the transfer is not
completed, or if you change your mind, some options may no longer be available to you.

an AVC WITHDRAWAL FORM - completed, signed and dated. (We must process the withdrawal from your AVC
account before we can process this option.)

YOUR OMERS
PENSION OPTIONS
OPTION 4 TRANSFER THE COMMUTED VALUE OF YOUR PENSION TO A PRESCRIBED

RETIREMENT ARRANGEMENT OR A DEFINED CONTRIBUTION (DC)
PENSION PLAN
You can transfer all or part of the commuted value of your OMERS Plan pension into a locked-in retirement account
(LIRA), a life income fund (LIF), or your new employer's DC pension plan (if that plan allows the transfer). (If you prefer,
you can ask OMERS to transfer your commuted value to a Canadian life insurance company for the purchase of a life
annuity - see the election form.)
The commuted value of your OMERS Plan pension is the amount of tax-deferred money you would have to put aside
today, to grow with investment earnings, to provide a future benefit like your OMERS Plan pension.
If you select this option, you will also receive a cash refund that will include:
the portion of your commuted value that exceeds the maximum transfer value (see the note below the table)
Lump sum amount
Your total commuted value (OMERS Plan): $1,085,452.38
Maximum transfer value* (on October 1, 2020): $382,564.98
Difference between the commuted value and maximum transfer value (paid as
$702,887.40
a cash refund):
Expiry date. You have until this date to choose this option. April 6, 2021
* The federal Income Tax Act specifies the maximum amount of the commuted value of your benefit that you can transfer to an RRSP tax-free (that is,
you do not need RRSP room to receive it). The maximum transfer value depends in part on your age, so OMERS will recalculate this value as of the
date we pay it. On that date, if your commuted value exceeds the maximum transfer value, the difference will be paid to you by cheque (less tax).
IMPORTANT | After April 6, 2021, this option will no longer be available to you.
If you choose this option:
and rejoin OMERS after January 1, 2020, you will have to wait five years before you can buy back the
service associated with this commuted value (or commuted value of small pension, as applicable)
you forfeit all your rights to an OMERS Plan pension
you assume all investment risk for your commuted value amount - it could increase or decrease
you will lose the option to participate in OMERS additional voluntary contributions (AVCs)
you may qualify for a pension adjustment reversal (PAR), which may give you more RRSP room. If you
have a PAR, we will send you a T10 tax slip after your transfer is processed.

YOUR OMERS
PENSION OPTIONS
Check here to choose Option 4: Transfer the commuted value of your pension to a prescribed retirement
arrangement or a defined contribution (DC) plan
Where would you like to send your commuted value transfer (locked-in)?
Check one:
Transfer the commuted value to a LIRA, LIF, or DC pension plan. (You must complete a Form T2151 - Direct transfer
of a single amount (enclosed), and check the box for "Commuted value benefit (within tax limits, if applicable)"
Transfer the commuted value to an insurance company to purchase an annuity (OMERS will contact you to obtain
further information)
Certification of receiving plan or institution / Direction to administrator (to be completed by receiving plan)
The following certification must be completed and signed before you send OMERS this election form. The financial
institution that holds your LIRA or LIF, or the trustee or administrator of the DC plan, whichever is applicable, must
complete the declaration.
Administrator's name
I,
Name of receiving institution
certify that I am the administrator of
and I consent to accept the transfer of the commuted value of the pension of
Applicant's name
from OMERS. I consent to administer the transferred funds in accordance with the Ontario Pension Benefits Act and the
regulations under it, as the same may be amended from time to time.
Signature of authorized officer Date (m/d/y)

a Form T2151 - Direct transfer of a single amount (enclosed), completed, signed and dated, if you want us to transfer
an eligible lump sum to a registered vehicle
a BANKING INFORMATION FORM (enclosed), completed, signed and dated, or a cheque marked "void" if you want
us to direct deposit pension payments and/or a cash refund into your account
an AVC WITHDRAWAL FORM - completed, signed and dated. (We must process the withdrawal from your AVC
account before we can process this option.)

YOUR OMERS
PENSION OPTIONS
If you will be applying to the Canada Revenue Agency (CRA) to tax shelter a portion of your OMERS benefit, you are
required to submit the letter of approval from the CRA to OMERS by the expiry date listed in this Pension Options Form.
For more information please contact the CRA.
Note: OMERS will not accept a notice of assessment (NOA) in place of the letter of approval from the CRA.

YOUR
OMERS RECORD
The following is your personal pension information as it appears in OMERS records. Please review it carefully because
your pension benefits are based on this information. If anything is incorrect, contact OMERS Client Services, Monday to
Friday between 8 a.m. and 5 p.m., at 1.416.369.2444 or 1.800.387.0813.
The information that follows is an update of your last Pension Report.
MEMBER INFORMATION
Name Birthdate
Sean Michael MCQUOID April 25, 1971

OMERS membership number First enrolment date
1212813-01 March 10, 2002

Employer Employment status (for OMERS)
Durham Regional Police Service (group Continuous Full Time

169815)
Normal retirement age Normal retirement date Earliest retirement age Earliest retirement date
60 April 30, 2031 50 April 25, 2021
Your OMERS beneficiary(ies)
In our records, your named beneficiary(ies) are:

Name
Donna McDonald
For more information about OMERS survivor benefits, please see NOTES AND INFORMATION.

YOUR
OMERS RECORD
RECENT INFORMATION
Your employer reported the following information as of October 1, 2020. It is an update to the information reported on your
last Pension Report.
2020
Contributory earnings: $83,273.28
Credited service (months): 9.03
Basic contributions: $10,353.38
YOUR OMERS PENSION DETAILS
Your OMERS Plan pension has two components: a lifetime pension (payable for life) and a bridge benefit (payable only
until you reach age 65). The bridge benefit is not affected if you decide to start your Canada Pension Plan (CPP) pension
early (from age 60) or if you begin to receive a CPP disability pension.
Your lifetime pension earned to October 1, 2020 is as follows:
Components of your total annual lifetime pension from age 60
OMERS Plan pension earned before 2013: $34,103.99
OMERS Plan pension earned after 2012: $16,527.58
Total: $50,631.57
Before your pension starts, your pension based on pre-2013 service will grow with inflation; your pension based on post-
2012 service will not. Your entire pension will grow with inflation after you retire, as described in the OMERS member
handbook, Your OMERS Pension.
See "Benefit calculation changes" in NOTES AND INFORMATION to learn more about the difference between pre-2013 and post-2012 service in the
OMERS Plan.
Your OMERS Plan pension is based on your credited service in the OMERS Plan and the average of your highest 60
consecutive months ("best five" years) of contributory earnings.
Credited service
Credited service includes service you earn by making regular contributions to the OMERS Plan and any service you've
purchased.

YOUR
OMERS RECORD
Months Years
Your total credited service: 285.01 23.751
Contributory earnings
Contributory earnings are earnings on which we calculate contributions. Overtime pay and discretionary payments are not
included, so your contributory earnings may not be the same as the employment income shown on your T4A tax slip.
Here is the average of your "best five" consecutive years of earnings.
Year Contributory earnings Service (months)
2015 $25,649.22 2.97
2016 $105,740.33 12.00
2017 $104,329.08 12.00
2018 $105,736.54 12.00
2019 $108,213.04 12.00
2020 $83,273.28 9.03
Average $106,588.30
To determine your "best five" earnings, partial years may have been used at the beginning and end of the 60 consecutive
months. Consequently, your "best five" earnings may span more than five calendar years.
Retro: A retroactive payment has been allocated to the appropriate years.

BANKING
INFORMATION FORM
Name Membership number
Sean Michael MCQUOID 1212813-01
Instructions
Complete the following information or enclose a blank cheque marked "void" if you want us to automatically deposit any
lump-sum cash refund or pension payments directly to your account at a bank or other financial institution.
Do not use this form for payments going to a registered retirement savings plan (RRSP), a registered retirement income
fund (RRIF), a registered pension plan (RPP), a locked-in retirement account (LIRA), or a life income fund (LIF).
Name of financial institution
Transit number Institution number Account number
Financial institution address (street number and name) City
Province Country Postal code Telephone number
SIGN AND DATE THIS FORM HERE

NOTES AND
INFORMATION
Benefit calculation changes

Effective January 1, 2013, benefit calculation changes affect members who leave their employer and who are not yet
eligible for an early retirement pension (not within 10 years of their normal retirement age).
When an affected member's benefit is calculated, it is done in two parts:
The pension based on pre-2013 credited service includes inflation protection before retirement and early
retirement subsidies (the OMERS bridge benefit and early retirement factors).
The pension based on post-2012 credited service doesn't include inflation protection before retirement and
early retirement subsidies (the OMERS bridge benefit* and early retirement factors).
* Members who have a normal retirement age of 60 receive the OMERS bridge benefit until age 65 - for five years
after their normal retirement age. This five-year portion of the bridge benefit is still included in the calculation of these
members' benefits when they leave their employer.
Early retirement
You can start your pension as early as age 50.
Early retirement subsidies affect your eligibility for an unreduced OMERS early retirement pension and the amount of
reduction applied to your pension if you don't meet the unreduced early retirement criteria.
The pre-2013 portion of your early retirement pension may not be reduced if:
your age plus credited service plus eligible service equals 85 (the 85 Factor); or
your credited service plus eligible service equals at least 30 years.
The post-2012 portion of your early retirement pension will always be reduced if you retire early.
The reduction factors applied to your pension are as follows:

The pre-2013 portion is reduced by 5% per year you're short of the 85 Factor, 30 years of service, or your normal
retirement age. (This is a subsidized reduction.)
The post-2012 portion is reduced on an actuarial-equivalent basis. (This is an unsubsidized reduction.)
If you start your pension early, you will receive the OMERS bridge benefit on the pre-2013 portion of your pension.
The OMERS bridge benefit based on the post-2012 portion of your pension will be reduced on an actuarial-
equivalent (unsubsidized) basis.
Marriage Breakdown
You and/or your former spouse are responsible for providing OMERS with timely and relevant documentation
(e.g., court order, family arbitration award, domestic contract and prescribed forms) that would impact the normal
administration of your benefits from the Plan. OMERS can only administer benefits based on complete
documentation that is brought to our attention (i.e., filed with OMERS). If all or part of the benefit has been paid
from the Plan, then the amounts paid will cease to be available for apportionment for family law purposes.

NOTES AND
INFORMATION
Inflation protection
Before your pension starts, your pension based on the pre-2013 credited service is protected against inflation; the
portion based on post-2012 credited service is not.
As soon as your pension starts, your entire pension is protected against inflation. The annual inflation increase
(maximum 6%) is based on the Consumer Price Index (CPI). (Note: In the first year of your pension, you may receive
a pro-rated increase or no increase, depending on the month in which your pension began.)
For more information, please visit the "Inflation protection" section of the online OMERS member handbook, Your
OMERS Pension, at www.omers.com.
Survivor benefits
Your beneficiary designation applies to benefits payable under the OMERS Plan.
When an OMERS Plan member dies, survivor benefits are paid according to a specified order of entitlement that
follows the provisions of the Ontario Pension Benefits Act.
If you die before pension payments begin, and...
You have an eligible spouse...
Your spouse can elect a pension that is 66 2/3% of your OMERS Plan lifetime pension earned to your date of
death (not including your bridge benefit, if any). If the pension is elected and you also have eligible dependent
children, OMERS will pay a further 10% of your lifetime pension for each child. The combined amount cannot
exceed 100% of your lifetime pension.
In place of the entire benefit described above, your eligible spouse may elect a one-time lump-sum refund
(less tax), or your spouse may decide to transfer the lump sum on a tax-deferred basis to a registered
retirement savings plan (RRSP), a registered pension plan (RPP), or a registered retirement income fund
(RRIF). If your spouse is also your named beneficiary, the lump sum will include your excess contributions, if
any.
You do not have an eligible spouse, but you have one or more eligible dependent children...
The 66 2/3% pension that would have been payable to your spouse will be divided equally among your eligible
dependent children, for as long as they qualify. When a child is no longer eligible, that child's portion is
redistributed among the remaining eligible children.
A refund may also be payable to your named beneficiary, or to your estate if there is no beneficiary.
You have no eligible spouse or children...
Your designated beneficiary (or, if you have none, your estate) is entitled to a lump-sum cash payment, less
tax, which will include your excess contributions, if any.
If you die after pension payments begun, and...
You have an eligible spouse...
Your spouse may collect the 66 2/3% spousal pension described for pre-retirement death. The additional 10%
pension per child also applies. The combined spouse and child pensions cannot exceed 100% of your lifetime
pension.
You do not have an eligible spouse, but you have one or more eligible dependent children...

NOTES AND
INFORMATION
Your children will receive the greater of (a) 66 2/3% of the lifetime pension you were receiving at your date of
death; or (b) the survivor pension your spouse was receiving on the date of his or her death, less any
additional amount that was being paid to eligible children.
You have no eligible spouse or children...
Your designated beneficiary (or, if you have none, your estate) is entitled to a residual refund, if any. The
refund is equal to the total of your OMERS contributions with interest at retirement, minus any pension already
paid to you and/or your survivors.
For more detailed information about survivor benefits, including definitions of eligible spouse and eligible dependent
child, please visit the "Survivor benefits" section of the online OMERS member handbook, Your OMERS Pension, at
www.omers.com.
Tax information
Income tax on pension payments: The Canada Revenue Agency requires that OMERS withholds tax from OMERS
monthly pension payments, where necessary.
Withholding tax rates: OMERS withholds tax on lump-sum cash refund amounts at the following rates:
$0 to $5,000.00 10%
$5,000.01 to $15,000.00 20%
Over $15,000.00 30%
Cash refunds are paid and taxed separately. OMERS issues tax slips when we pay refunds. Different tax rates apply if
you are a Quebec resident or non-resident of Canada (usually 25% - depending on your country of residence and
any tax treaty it has with Canada).
Vesting
Your OMERS benefits are vested from the day you join the plan. This means you are entitled to a benefit from day
one.
Want more information?

OMERS is committed to providing you with excellent value and competitive benefits, and we continue to develop
better ways to serve you.
myOMERS - the key to your pension: OMERS Plan members can sign up to view their annual Pension Report
online, and estimate their pension and government benefits. (Note: The estimate calculator is only available pre-
retirement.)
www.omers.com: visit us online to access information about OMERS, including pension benefits and news about
your pension plan.
We're here to help
If you have questions please call Member Services at +1 416.369.2444 or +1 800.387.0813, Monday to Friday
between 8 a.m. and 5 p.m. You can also start a conversation using our secure communication channel in your
myOMERS account. To allow us to serve you better, please quote the reference number shown above.

NOTES AND
INFORMATION
OMERS Privacy Statement

Personal information is collected for pension administration purposes by OMERS under the authority of Section 35 of
the OMERS Act, 2006. OMERS does not share personal information with any other person other than for purposes of
pension plan administration, and, the provision of personal information is considered consent to its use for those
purposes. The collection, use, retention and destruction of personal information are subject to our Privacy Policy at
www.omers.com.
Any questions regarding the collection of personal information should be directed to OMERS Client Services at
1.800.387.0813.
Pension plan registration number

OMERS Primary Pension Plan Registration Number: 0345983.
Your options are based on current OMERS Plan provisions, which may change over time. If there is any discrepancy
between the information in this document and the OMERS Act, 2006 and the OMERS Plan text, the OMERS Act, 2006
and the Plan text will govern.

OMERS Reference Information New address
If your address changes while you have a benefit in OMERS, please send us your new
Membership number: 1212813-01 address.
Address
Address
City Prov/State Postal Code
Country
Phone No.
Fax No.
Mailing Address
Sean Michael MCQUOID

448 Mutton Road
Colborne, ON K0K 1S0

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YOUR OMERS PENSION OPTIONS

Date: October 06, 2020

In this package, you will find:

YOUR OMERS RECORD - a list of your information in our records;

additional information forms that you may need to complete, if applicable.

MVT03/2865394 Private and Confidential Page 1 of 19

We're here to help

MVT03/2865394 Private and Confidential Page 2 of 19

OPTION 1 KEEP YOUR PENSION WITH OMERS

If you select this option, you will:

Your OMERS Plan lifetime pension: $41,583.15 $3,465.26

Your OMERS Plan bridge benefit to age 65: $9,048.42 $754.04

MVT03/2865394 Private and Confidential Page 3 of 19

ELECTION FORM COMPLETE AND RETURN THIS FORM TO ELECT OPTION 1

Mail or fax to OMERS...

SIGN AND DATE HERE TO ELECT OPTION 1

Your signature Date (m/d/y)

MVT03/2865394 Private and Confidential Page 4 of 19

OPTION 2 COMBINE YOUR CURRENT AND FUTURE OMERS PENSION

MVT03/2865394 Private and Confidential Page 5 of 19

ELECTION FORM COMPLETE THIS FORM TO ELECT OPTION 2

Provide the name of your new OMERS employer.

Name of your new OMERS employer

Mail or fax to OMERS...

SIGN AND DATE HERE TO ELECT OPTION 2

Your signature Date (m/d/y)

MVT03/2865394 Private and Confidential Page 6 of 19

OPTION 3 TRANSFER YOUR PENSION OUT OF OMERS TO ANOTHER DEFINED

IMPORTANT | If the transfer takes place,

MVT03/2865394 Private and Confidential Page 7 of 19

ELECTION FORM COMPLETE THIS FORM TO ELECT OPTION 3

Name of your new employer

Name of your new defined benefit pension plan (if known)

Mail or fax to OMERS...

SIGN AND DATE HERE TO ELECT OPTION 3

Your signature Date (m/d/y)

MVT03/2865394 Private and Confidential Page 8 of 19

OPTION 4 TRANSFER THE COMMUTED VALUE OF YOUR PENSION TO A PRESCRIBED

Lump sum amount

Your total commuted value (OMERS Plan): $1,085,452.38

Maximum transfer value* (on October 1, 2020): $382,564.98

MVT03/2865394 Private and Confidential Page 9 of 19

ELECTION FORM COMPLETE THIS FORM TO ELECT OPTION 4

Name of receiving institution

certify that I am the administrator of

Signature of authorized officer Date (m/d/y)

Mail or fax to OMERS...

MVT03/2865394 Private and Confidential Page 10 of 19

SIGN AND DATE HERE TO ELECT OPTION 4

Your signature Date (m/d/y)

MVT03/2865394 Private and Confidential Page 11 of 19

Date issued: October 06, 2020

The information that follows is an update of your last Pension Report.

Sean Michael MCQUOID April 25, 1971

1212813-01 March 10, 2002

Durham Regional Police Service (group Continuous Full Time

60 April 30, 2031 50 April 25, 2021

Your OMERS beneficiary(ies)

In our records, your named beneficiary(ies) are:

MVT03/2865394 Private and Confidential Page 12 of 19