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See the definitions of lar) Tj ET Q q 0 0 0 rg BT 369.41 723.60 Td (ge accelerated filer) Tj ET Q q 0 0 0 rg BT 445.06 723.60 Td (, accelerated filer) Tj ET Q q 0 0 0 rg BT 522.65 723.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (smaller reporting company) Tj ET Q q 0 0 0 rg BT 161.03 711.60 Td (, and "emer) Tj ET Q q 0 0 0 rg BT 211.30 711.60 Td (ging growth company" in Rule 12b-2 of the Exchange ) Tj ET Q q 0 0 0 rg BT 430.06 711.60 Td (Act.) 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Tj ET Q /GS0 gs q 8.91 0 0 10.76 500.00 610.64 cm /I6 Do Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.60 Td (Indicate by check mark whether the registrant is a shell company \(as defined in Rule 12b-2 of the ) Tj ET Q q 0 0 0 rg BT 441.04 574.60 Td (Act\). ) Tj ET Q q 0 0 0 rg BT 465.94 574.60 Td (Y) Tj ET Q q 0 0 0 rg BT 472.16 574.60 Td (es [ ] No [X] ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.60 Td (The aggregate market value of the shares of the registrant's common stock held by non-af) Tj ET Q q 0 0 0 rg BT 407.11 550.60 Td (filiates \(based upon the closing price ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.60 Td (of these shares on the New ) Tj ET Q q 0 0 0 rg BT 159.09 538.60 Td (Y) Tj ET Q q 0 0 0 rg BT 165.32 538.60 Td (ork Stock Exchange\) as of the last business day of the registrant's most recently completed second ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.60 Td (fiscal quarter was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.52 526.60 Td ($8.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.64 526.60 Td (. ) Tj ET Q q 0 0 0 rg BT 175.58 526.60 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.03 526.60 Td (February15, 2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.63 526.60 Td (, there were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.04 526.60 Td (214,625,710) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.04 526.60 Td ( shares of the registrant's common stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.60 Td (outstanding.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 483.1 m 561.5 483.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 479.1 m 561.5 479.1 l s BT /F1 10.00 Tf ET endstream endobj 7 0 obj <> endobj 8 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 191.40 735.75 Td (DOCUMENTS INCORPORA) Tj ET Q q 0 0 0 rg BT 319.83 735.75 Td (TED BY) Tj ET Q q 0 0 0 rg BT 356.41 735.75 Td ( REFERENCE) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (Portions of the information required by Part III of this Form 10-K are incorporated herein by reference from the registrant's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.75 Td (definitive proxy statement for its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.08 699.75 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.08 699.75 Td ( ) Tj ET Q q 0 0 0 rg BT 205.03 699.75 Td (Annual Meeting of Stockholders which will be filed with the Securities and Exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.75 Td (Commission pursuant to Regulation 14A) Tj ET Q q 0 0 0 rg BT 212.83 687.75 Td ( under the Securities Exchange ) Tj ET Q q 0 0 0 rg BT 338.63 687.75 Td (Act of 1934, as amended, within 120 days after the end ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.75 Td (of the registrant's fiscal year ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.24 675.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.83 675.75 Td (.) Tj ET Q endstream endobj 9 0 obj <><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><>] /Rotate 0 /Contents 10 0 R>> endobj 10 0 obj <> stream BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.50 723.75 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 253.75 723.75 Td (T) Tj ET Q q 0 0 0 rg BT 259.68 723.75 Td (ABLE OF) Tj ET Q q 0 0 0 rg BT 302.92 723.75 Td ( CONTENTS) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 540.05 690.4833984375 m 559.4884765625 690.4833984375 l s q 0 0 0 rg BT 540.05 691.82 Td (Page) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 94.50 679.20 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 676.4833984375 m 349.5595703125 676.4833984375 l s q 0 0 1 rg BT 98.50 677.82 Td (Cautionary Statement Regarding Forward-Looking Statements) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 8.00 Tf ET q 0 0 0 rg BT 94.50 660.20 Td () Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 298.8 657.41259765625 m 331.1388671875 657.41259765625 l s q 0 0 1 rg BT 298.80 658.98 Td (P) Tj ET Q q 0 0 1 rg BT 304.17 658.98 Td (AR) Tj ET Q q 0 0 1 rg BT 318.26 658.98 Td (T) Tj ET Q q 0 0 1 rg BT 324.75 658.98 Td ( I) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 52.5 638.4833984375 m 80.8251953125 638.4833984375 l s q 0 0 1 rg BT 52.50 639.82 Td (Item 1.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 8.00 Tf ET q 0 0 0 rg BT 94.50 641.20 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 638.4833984375 m 134.0615234375 638.4833984375 l s q 0 0 1 rg BT 98.50 639.82 Td (Business) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 52.5 619.4833984375 m 88.046875 619.4833984375 l s q 0 0 1 rg BT 52.50 620.82 Td (Item 1A.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 619.4833984375 m 148.7783203125 619.4833984375 l s q 0 0 1 rg BT 98.50 620.82 Td (Risk Factors) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 52.5 600.4833984375 m 87.4951171875 600.4833984375 l s q 0 0 1 rg BT 52.50 601.82 Td (Item 1B.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 600.4833984375 m 212.19140625 600.4833984375 l s q 0 0 1 rg BT 98.50 601.82 Td (Unresolved Staf) Tj ET Q q 0 0 1 rg BT 163.03 601.82 Td (f Comments) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 52.5 580.4833984375 m 80.8251953125 580.4833984375 l s q 0 0 1 rg BT 52.50 581.82 Td (Item 2.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 580.4833984375 m 139.046875 580.4833984375 l s q 0 0 1 rg BT 98.50 581.82 Td (Properties) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 52.5 561.4833984375 m 80.8251953125 561.4833984375 l s q 0 0 1 rg BT 52.50 562.82 Td (Item 3.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 561.4833984375 m 172.640625 561.4833984375 l s q 0 0 1 rg BT 98.50 562.82 Td (Legal Proceedings) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 52.5 542.4833984375 m 80.8251953125 542.4833984375 l s q 0 0 1 rg BT 52.50 543.82 Td (Item 4.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 542.4833984375 m 196.8154296875 542.4833984375 l s q 0 0 1 rg BT 98.50 543.82 Td (Mine Safety Disclosures) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 296.85 523.41259765625 m 333.08046875 523.41259765625 l s q 0 0 1 rg BT 296.85 524.98 Td (P) Tj ET Q q 0 0 1 rg BT 302.22 524.98 Td (AR) Tj ET Q q 0 0 1 rg BT 316.31 524.98 Td (T) Tj ET Q q 0 0 1 rg BT 322.80 524.98 Td ( II) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 52.5 504.4833984375 m 80.8251953125 504.4833984375 l s q 0 0 1 rg BT 52.50 505.82 Td (Item 5.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 504.4833984375 m 521.5126953125 504.4833984375 l s q 0 0 1 rg BT 98.50 505.82 Td (Market for the Registrant's Common Equity) Tj ET Q q 0 0 1 rg BT 273.79 505.82 Td (, Related Stockholder Matters and Issuer Purchases of Equity ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 494.4833984375 m 137.93359375 494.4833984375 l s q 0 0 1 rg BT 98.50 495.82 Td (Securities) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 52.5 476.4833984375 m 80.8251953125 476.4833984375 l s q 0 0 1 rg BT 52.50 477.82 Td (Item 6.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 476.4833984375 m 193.4609375 476.4833984375 l s q 0 0 1 rg BT 98.50 477.82 Td (Selected Financial Data) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 52.5 457.4833984375 m 80.8251953125 457.4833984375 l s q 0 0 1 rg BT 52.50 458.82 Td (Item 7.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 457.4833984375 m 455.814453125 457.4833984375 l s q 0 0 1 rg BT 98.50 458.82 Td (Management's Discussion and ) Tj ET Q q 0 0 1 rg BT 221.67 458.82 Td (Analysis of Financial Condition and Results of Operations) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 52.5 438.4833984375 m 88.046875 438.4833984375 l s q 0 0 1 rg BT 52.50 439.82 Td (Item 7A.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 438.4833984375 m 340.12109375 438.4833984375 l s q 0 0 1 rg BT 98.50 439.82 Td (Quantitative and Qualitative Disclosures ) Tj ET Q q 0 0 1 rg BT 262.90 439.82 Td (About Market Risk) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 52.5 419.4833984375 m 80.8251953125 419.4833984375 l s q 0 0 1 rg BT 52.50 420.82 Td (Item 8.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 419.4833984375 m 283.451171875 419.4833984375 l s q 0 0 1 rg BT 98.50 420.82 Td (Financial Statements and Supplementary Data) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 52.5 400.4833984375 m 80.8251953125 400.4833984375 l s q 0 0 1 rg BT 52.50 401.82 Td (Item 9.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 400.4833984375 m 457.3134765625 400.4833984375 l s q 0 0 1 rg BT 98.50 401.82 Td (Changes in and Disagreements with ) Tj ET Q q 0 0 1 rg BT 244.31 401.82 Td (Accountants on ) Tj ET Q q 0 0 1 rg BT 308.74 401.82 Td (Accounting and Financial Disclosure) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 52.5 381.4833984375 m 88.046875 381.4833984375 l s q 0 0 1 rg BT 52.50 382.82 Td (Item 9A.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 381.4833984375 m 196.8154296875 381.4833984375 l s q 0 0 1 rg BT 98.50 382.82 Td (Controls and Procedures) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 52.5 362.4833984375 m 87.4951171875 362.4833984375 l s q 0 0 1 rg BT 52.50 363.82 Td (Item 9B.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 362.4833984375 m 171.5322265625 362.4833984375 l s q 0 0 1 rg BT 98.50 363.82 Td (Other Information) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 294.9 343.41259765625 m 335.0220703125 343.41259765625 l s q 0 0 1 rg BT 294.90 344.98 Td (P) Tj ET Q q 0 0 1 rg BT 300.27 344.98 Td (AR) Tj ET Q q 0 0 1 rg BT 314.36 344.98 Td (T) Tj ET Q q 0 0 1 rg BT 320.85 344.98 Td ( III) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 52.5 324.4833984375 m 85.8251953125 324.4833984375 l s q 0 0 1 rg BT 52.50 325.82 Td (Item 10.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 324.4833984375 m 325.9951171875 324.4833984375 l s q 0 0 1 rg BT 98.50 325.82 Td (Directors, Executive Of) Tj ET Q q 0 0 1 rg BT 193.56 325.82 Td (ficers and Corporate Governance) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 52.5 305.4833984375 m 85.4541015625 305.4833984375 l s q 0 0 1 rg BT 52.50 306.82 Td (Item 1) Tj ET Q q 0 0 1 rg BT 77.95 306.82 Td (1.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 305.4833984375 m 198.75390625 305.4833984375 l s q 0 0 1 rg BT 98.50 306.82 Td (Executive Compensation) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 52.5 286.4833984375 m 85.8251953125 286.4833984375 l s q 0 0 1 rg BT 52.50 287.82 Td (Item 12.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 286.4833984375 m 503.65625 286.4833984375 l s q 0 0 1 rg BT 98.50 287.82 Td (Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 52.5 267.4833984375 m 85.8251953125 267.4833984375 l s q 0 0 1 rg BT 52.50 268.82 Td (Item 13.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 267.4833984375 m 398.6953125 267.4833984375 l s q 0 0 1 rg BT 98.50 268.82 Td (Certain Relationships and Related ) Tj ET Q q 0 0 1 rg BT 237.18 268.82 Td (T) Tj ET Q q 0 0 1 rg BT 242.93 268.82 Td (ransactions and Director Independence) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 52.5 249.4833984375 m 85.8251953125 249.4833984375 l s q 0 0 1 rg BT 52.50 250.82 Td (Item 14.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 249.4833984375 m 257.3525390625 249.4833984375 l s q 0 0 1 rg BT 98.50 250.82 Td (Principal ) Tj ET Q q 0 0 1 rg BT 136.55 250.82 Td (Accounting Fees and Services) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 295.3 231.41259765625 m 334.77021484375 231.41259765625 l s q 0 0 1 rg BT 295.30 232.98 Td (P) Tj ET Q q 0 0 1 rg BT 300.67 232.98 Td (AR) Tj ET Q q 0 0 1 rg BT 314.76 232.98 Td (T) Tj ET Q q 0 0 1 rg BT 321.25 232.98 Td ( IV) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 52.5 213.4833984375 m 85.8251953125 213.4833984375 l s q 0 0 1 rg BT 52.50 214.82 Td (Item 15.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 213.4833984375 m 274.0224609375 213.4833984375 l s q 0 0 1 rg BT 98.50 214.82 Td (Exhibits and Financial Statement Schedules) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 177.4833984375 m 167.3818359375 177.4833984375 l s q 0 0 1 rg BT 98.50 178.82 Td (Index to Exhibits) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 98.5 159.4833984375 m 140.716796875 159.4833984375 l s q 0 0 1 rg BT 98.50 160.82 Td (Signatures) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 554.5 676.4833984375 m 559.5 676.4833984375 l s q 0 0 1 rg BT 554.50 677.82 Td (1) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 554.5 638.4833984375 m 559.5 638.4833984375 l s q 0 0 1 rg BT 554.50 639.82 Td (2) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 549.5 619.4833984375 m 559.5 619.4833984375 l s q 0 0 1 rg BT 549.50 620.82 Td (19) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 549.5 600.4833984375 m 559.5 600.4833984375 l s q 0 0 1 rg BT 549.50 601.82 Td (30) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 549.5 580.4833984375 m 559.5 580.4833984375 l s q 0 0 1 rg BT 549.50 581.82 Td (30) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 549.5 561.4833984375 m 559.5 561.4833984375 l s q 0 0 1 rg BT 549.50 562.82 Td (30) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 549.5 542.4833984375 m 559.5 542.4833984375 l s q 0 0 1 rg BT 549.50 543.82 Td (30) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 549.5 504.4833984375 m 559.5 504.4833984375 l s q 0 0 1 rg BT 549.50 505.82 Td (31) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 549.5 476.4833984375 m 559.5 476.4833984375 l s q 0 0 1 rg BT 549.50 477.82 Td (32) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 549.5 457.4833984375 m 559.5 457.4833984375 l s q 0 0 1 rg BT 549.50 458.82 Td (34) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 549.5 438.4833984375 m 559.5 438.4833984375 l s q 0 0 1 rg BT 549.50 439.82 Td (90) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 549.5 419.4833984375 m 559.5 419.4833984375 l s q 0 0 1 rg BT 549.50 420.82 Td (97) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 544.5 400.4833984375 m 559.5 400.4833984375 l s q 0 0 1 rg BT 544.50 401.82 Td (190) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 544.5 381.4833984375 m 559.5 381.4833984375 l s q 0 0 1 rg BT 544.50 382.82 Td (190) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 544.5 362.4833984375 m 559.5 362.4833984375 l s q 0 0 1 rg BT 544.50 363.82 Td (192) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 544.5 324.4833984375 m 559.5 324.4833984375 l s q 0 0 1 rg BT 544.50 325.82 Td (193) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 544.5 305.4833984375 m 559.5 305.4833984375 l s q 0 0 1 rg BT 544.50 306.82 Td (193) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 544.5 286.4833984375 m 559.5 286.4833984375 l s q 0 0 1 rg BT 544.50 287.82 Td (194) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 544.5 267.4833984375 m 559.5 267.4833984375 l s q 0 0 1 rg BT 544.50 268.82 Td (195) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 544.5 249.4833984375 m 559.5 249.4833984375 l s q 0 0 1 rg BT 544.50 250.82 Td (195) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 544.5 213.4833984375 m 559.5 213.4833984375 l s q 0 0 1 rg BT 544.50 214.82 Td (196) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 544.5 177.4833984375 m 559.5 177.4833984375 l s q 0 0 1 rg BT 544.50 178.82 Td (207) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 544.85 159.4833984375 m 559.47890625 159.4833984375 l s q 0 0 1 rg BT 544.85 160.82 Td (21) Tj ET Q q 0 0 1 rg BT 554.48 160.82 Td (1) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL endstream endobj 11 0 obj <> endobj 12 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 170.45 740.25 Td (Cautionary Statement Regarding Forward-Looking Statements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 722.25 Td (The Private Securities Litigation Reform ) Tj ET Q q 0 0 0 rg BT 214.74 722.25 Td (Act of 1995 \(the ) Tj ET Q q 0 0 0 rg BT 282.50 722.25 Td (Act\) provides a "safe harbor" to encourage companies to provide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 710.25 Td (prospective information, as long as those statements are identified as forward-looking and are accompanied by meaningful ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 698.25 Td (cautionary statements identifying important factors that could cause actual results to dif) Tj ET Q q 0 0 0 rg BT 399.49 698.25 Td (fer materially from those included in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 686.25 Td (forward-looking statements. Certain information contained in this ) Tj ET Q q 0 0 0 rg BT 316.94 686.25 Td (Annual Report on Form 10-K \(including certain statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 674.25 Td (in the business description in Item 1, Management's Discussion and ) Tj ET Q q 0 0 0 rg BT 322.10 674.25 Td (Analysis in Item 7, and the consolidated financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 662.25 Td (statements and related notes in Item 8\), or in any other written or oral statements made by us in communications with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 650.25 Td (financial community or contained in documents filed with the Securities and Exchange Commission, may be considered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 638.25 Td (forward-looking statements within the meaning of the ) Tj ET Q q 0 0 0 rg BT 266.95 638.25 Td (Act. Forward-looking statements are those not based on historical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 626.25 Td (information, but rather relate to our outlook, future operations, strategies, financial results, or other developments. Forward-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 614.25 Td (looking statements speak only as of the date made. ) Tj ET Q q 0 0 0 rg BT 257.32 614.25 Td (W) Tj ET Q q 0 0 0 rg BT 265.96 614.25 Td (e undertake no obligation to update these statements, even if made ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 602.25 Td (available on our website or otherwise. ) Tj ET Q q 0 0 0 rg BT 206.49 602.25 Td (These statements may be made directly in this document or may be made part of this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 590.25 Td (document by reference to other documents filed by us with the Securities and Exchange Commission, a practice which is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 578.25 Td (known as "incorporation by reference." ) Tj ET Q q 0 0 0 rg BT 211.40 578.25 Td (Y) Tj ET Q q 0 0 0 rg BT 217.62 578.25 Td (ou can find many of these statements by looking for words such as "will," "may) Tj ET Q q 0 0 0 rg BT 536.10 578.25 Td (," ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 566.25 Td ("should," "could," "believes," "expects," "anticipates," "estimates," "plans," "assumes," "intends," "projects," "goals, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 554.25 Td ("objectives," or similar expressions in this document or in documents incorporated herein. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 530.25 Td (These forward-looking statements are subject to numerous assumptions, risks, and uncertainties, many of which are beyond our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 518.25 Td (control. ) Tj ET Q q 0 0 0 rg BT 85.14 518.25 Td (W) Tj ET Q q 0 0 0 rg BT 93.78 518.25 Td (e caution readers that the following factors, in addition to other factors mentioned from time to time, may cause ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 506.25 Td (actual results to dif) Tj ET Q q 0 0 0 rg BT 125.69 506.25 Td (fer materially from those contemplated by the forward-looking statements: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 482.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 482.25 Td (Sustained periods of low interest rates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 470.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 470.25 Td (Fluctuation in insurance reserve liabilities and claim payments due to changes in claim incidence, recovery rates, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 458.25 Td (mortality and morbidity rates, and policy benefit of) Tj ET Q q 0 0 0 rg BT 290.27 458.25 Td (fsets due to, among other factors, the rate of unemployment and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 446.25 Td (consumer confidence, the emer) Tj ET Q q 0 0 0 rg BT 210.26 446.25 Td (gence of new diseases, epidemics, or pandemics, new trends and developments in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 434.25 Td (medical treatments, the ef) Tj ET Q q 0 0 0 rg BT 188.61 434.25 Td (fectiveness of our claims operational processes, and changes in governmental programs. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 422.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 422.25 Td (Unfavorable economic or business conditions, both domestic and foreign, that may result in decreases in sales, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 410.25 Td (premiums, or persistency) Tj ET Q q 0 0 0 rg BT 185.66 410.25 Td (, as well as unfavorable claims activity) Tj ET Q q 0 0 0 rg BT 340.24 410.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 398.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 398.25 Td (Changes in or interpretations of laws and regulations, including tax laws and regulations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 386.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 386.25 Td (A) Tj ET Q q 0 0 0 rg BT 92.17 386.25 Td ( cyber attack or other security breach could result in the unauthorized acquisition of confidential data.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 374.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 374.25 Td (The failure of our business recovery and incident management processes to resume our business operations in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 362.25 Td (event of a natural catastrophe, cyber attack, or other event. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 350.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 350.25 Td (Investment results, including, but not limited to, changes in interest rates, defaults, changes in credit spreads, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 338.25 Td (impairments, and the lack of appropriate investments in the market which can be acquired to match our liabilities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 326.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 326.25 Td (Increased competition from other insurers and financial services companies due to industry consolidation, new entrants ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 314.25 Td (to our markets, or other factors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 302.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 302.25 Td (Changes in our financial strength and credit ratings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 290.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 290.25 Td (Our ability to execute on our technology systems upgrades or replacements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 278.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 278.25 Td (Damage to our reputation due to, among other factors, regulatory investigations, legal proceedings, external events, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 266.25 Td (and/or inadequate or failed internal controls and procedures. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 254.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 254.25 Td (Actual experience in the broad array of our products that deviates from our assumptions used in pricing, underwriting, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 242.25 Td (and reserving.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 230.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 230.25 Td (Changes in accounting standards, practices, or policies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 218.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 218.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 94.76 218.25 Td (fectiveness of our risk management program.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 206.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 206.25 Td (Contingencies and the level and results of litigation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 194.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 194.25 Td (A) Tj ET Q q 0 0 0 rg BT 91.98 194.25 Td (vailability of reinsurance in the market and the ability of our reinsurers to meet their obligations to us.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 182.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 182.25 Td (Inef) Tj ET Q q 0 0 0 rg BT 101.42 182.25 Td (fectiveness of our derivatives hedging programs due to changes in the economic environment, counterparty risk, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 170.25 Td (ratings downgrades, capital market volatility) Tj ET Q q 0 0 0 rg BT 263.41 170.25 Td (, changes in interest rates, and/or regulation. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 158.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 158.25 Td (Fluctuation in foreign currency exchange rates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 146.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 146.25 Td (Ability to generate suf) Tj ET Q q 0 0 0 rg BT 175.02 146.25 Td (ficient internal liquidity and/or obtain external financing.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 134.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 134.25 Td (Recoverability and/or realization of the carrying value of our intangible assets, long-lived assets, and deferred tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 122.25 Td (assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 110.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 110.25 Td (T) Tj ET Q q 0 0 0 rg BT 90.91 110.25 Td (errorism, both within the U.S. and abroad, ongoing military actions, and heightened security measures in response to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 98.25 Td (these types of threats.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 74.25 Td (All subsequent written and oral forward-looking statements attributable to us or any person acting on our behalf are expressly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 62.25 Td (qualified in their entirety by the cautionary statements contained or referred to in this section. ) Tj ET Q endstream endobj 13 0 obj <> endobj 14 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 289.80 735.75 Td (P) Tj ET Q q 0 0 0 rg BT 295.17 735.75 Td (AR) Tj ET Q q 0 0 0 rg BT 309.26 735.75 Td (T) Tj ET Q q 0 0 0 rg BT 315.75 735.75 Td ( I) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (ITEM 1. BUSINESS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 687.75 Td (General ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.75 Td (Unum Group, a Delaware general business corporation, and its insurance and non-insurance subsidiaries, which collectively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.75 Td (with Unum Group we refer to as the Company) Tj ET Q q 0 0 0 rg BT 234.92 651.75 Td (, operate in the United States, the United Kingdom, Poland, and, to a limited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.75 Td (extent, in certain other countries. ) Tj ET Q q 0 0 0 rg BT 185.94 639.75 Td (The principal operating subsidiaries in the United States are Unum Life Insurance Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.75 Td (of ) Tj ET Q q 0 0 0 rg BT 59.78 627.75 Td (America \(Unum ) Tj ET Q q 0 0 0 rg BT 126.98 627.75 Td (America\), Provident Life and ) Tj ET Q q 0 0 0 rg BT 246.66 627.75 Td (Accident Insurance Company \(Provident\), ) Tj ET Q q 0 0 0 rg BT 418.38 627.75 Td (The Paul Revere Life Insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.75 Td (Company \(Paul Revere Life\), Colonial Life & ) Tj ET Q q 0 0 0 rg BT 236.12 615.75 Td (Accident Insurance Company) Tj ET Q q 0 0 0 rg BT 354.32 615.75 Td (, Starmount Life Insurance Company \(Starmount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.75 Td (Life\), in the United Kingdom, Unum Limited, and in Poland, Unum Zycie ) Tj ET Q q 0 0 0 rg BT 348.71 603.75 Td (TUiR S.A. \(Unum Poland\). ) Tj ET Q q 0 0 0 rg BT 463.53 603.75 Td (W) Tj ET Q q 0 0 0 rg BT 472.17 603.75 Td (e are a leading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.75 Td (provider of financial protection benefits in the United States and the United Kingdom. Our products include disability) Tj ET Q q 0 0 0 rg BT 522.63 591.75 Td (, life, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.75 Td (accident, critical illness, dental and vision, and other related services. ) Tj ET Q q 0 0 0 rg BT 331.16 579.75 Td (W) Tj ET Q q 0 0 0 rg BT 339.80 579.75 Td (e market our products primarily through the workplace. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 555.75 Td (e have three principal operating business segments: Unum US, Unum International, and Colonial Life. Our other segments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.75 Td (are the Closed Block and Corporate segments. ) Tj ET Q q 0 0 0 rg BT 239.55 543.75 Td (These segments are discussed more fully under "Reporting Segments" included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.75 Td (herein in this Item 1. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 507.75 Td (Business Strategies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.75 Td (The benefits we provide help protect people from the financial hardship of illness, injury) Tj ET Q q 0 0 0 rg BT 403.74 483.75 Td (, or loss of life by providing support ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.75 Td (when it is needed most. ) Tj ET Q q 0 0 0 rg BT 148.10 471.75 Td (As one of the leading providers of employee benefits in the U.S. and the U.K., we of) Tj ET Q q 0 0 0 rg BT 486.44 471.75 Td (fer a broad ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.75 Td (portfolio of products and services through the workplace. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.75 Td (Specifically) Tj ET Q q 0 0 0 rg BT 96.61 435.75 Td (, we of) Tj ET Q q 0 0 0 rg BT 123.92 435.75 Td (fer group, individual, and voluntary benefits, either as stand-alone products or combined with other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.75 Td (coverages, that help employers of all sizes attract and retain a stronger workforce while protecting the incomes and livelihood ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.75 Td (of their employees. ) Tj ET Q q 0 0 0 rg BT 131.24 411.75 Td (W) Tj ET Q q 0 0 0 rg BT 139.88 411.75 Td (e believe employer) Tj ET Q q 0 0 0 rg BT 215.75 411.75 Td (-sponsored benefits represent the single most ef) Tj ET Q q 0 0 0 rg BT 406.07 411.75 Td (fective way to provide workers with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.75 Td (access to the information and options they need to protect their financial stability) Tj ET Q q 0 0 0 rg BT 372.64 399.75 Td (. ) Tj ET Q q 0 0 0 rg BT 379.96 399.75 Td (W) Tj ET Q q 0 0 0 rg BT 388.60 399.75 Td (orking people and their families, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.75 Td (particularly those at lower and middle incomes, are perhaps the most vulnerable in today's economy yet are often overlooked by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.75 Td (many providers of financial services and products. For many of these people, employer) Tj ET Q q 0 0 0 rg BT 400.58 375.75 Td (-sponsored benefits are the primary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.75 Td (defense against the potentially catastrophic fallout of death, illness, or injury) Tj ET Q q 0 0 0 rg BT 354.87 363.75 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.75 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 339.75 Td (e have established a corporate culture consistent with the social values our products provide. ) Tj ET Q q 0 0 0 rg BT 432.84 339.75 Td (W) Tj ET Q q 0 0 0 rg BT 441.48 339.75 Td (e are committed not only to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.75 Td (meeting the needs of our customers who depend on us, but also to operating with integrity and being accountable for our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.75 Td (actions. Our sound and consistent business practices, strong internal compliance program, and comprehensive risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.75 Td (management strategy enable us to operate ef) Tj ET Q q 0 0 0 rg BT 227.02 303.75 Td (ficiently as well as to identify and address potential areas of risk in our business. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 291.75 Td (e have also applied these same values to our social responsibility ef) Tj ET Q q 0 0 0 rg BT 327.60 291.75 Td (forts. Because we see important links between the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.75 Td (obligations we have to all of our stakeholders, we place a strong emphasis on contributing to positive change in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.75 Td (communities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.75 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 243.75 Td (e believe our disciplined approach to providing financial protection products at the workplace puts us in a position of strength ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.75 Td (as we seek to capitalize on the growing and lar) Tj ET Q q 0 0 0 rg BT 236.19 231.75 Td (gely unfilled need for our products and services. ) Tj ET Q q 0 0 0 rg BT 434.29 231.75 Td (W) Tj ET Q q 0 0 0 rg BT 442.92 231.75 Td (e protect people when they ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.75 Td (need it most, and we believe the need for our products and services remains strong. ) Tj ET Q q 0 0 0 rg BT 387.00 219.75 Td (W) Tj ET Q q 0 0 0 rg BT 395.63 219.75 Td (e intend to continue protecting our solid ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.75 Td (mar) Tj ET Q q 0 0 0 rg BT 64.87 207.75 Td (gins and returns through our pricing and risk actions. ) Tj ET Q q 0 0 0 rg BT 281.59 207.75 Td (W) Tj ET Q q 0 0 0 rg BT 290.23 207.75 Td (e also continue to invest in our infrastructure and our employees, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.75 Td (with a focus on quality and simplification of processes and of) Tj ET Q q 0 0 0 rg BT 295.37 195.75 Td (ferings. Our strategy is centered on market growth through the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.75 Td (expansion of our product portfolio, distribution system, and geographic footprint, and enhancing the customer experience ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.75 Td (through ef) Tj ET Q q 0 0 0 rg BT 90.70 171.75 Td (ficiency) Tj ET Q q 0 0 0 rg BT 122.25 171.75 Td (, simplification, and investment in digital capabilities. ) Tj ET Q q 0 0 0 rg BT 341.93 171.75 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 391.27 171.75 Td (, we continue to identify ways to expand ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.75 Td (our product of) Tj ET Q q 0 0 0 rg BT 106.53 159.75 Td (ferings, which we believe will allow us to strengthen our brand through both new and existing customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.75 Td (relationships. ) Tj ET Q q 0 0 0 rg BT 107.55 147.75 Td (Although the low interest rate environment continues to place pressure on our profit mar) Tj ET Q q 0 0 0 rg BT 461.44 147.75 Td (gins, we continue to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.75 Td (analyze and employ strategies that we believe will help us navigate this environment and allow us to maintain solid operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.75 Td (mar) Tj ET Q q 0 0 0 rg BT 64.87 123.75 Td (gins and significant financial flexibility to support the needs of our businesses, while also continuing to return capital to our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.75 Td (shareholders and exploring mer) Tj ET Q q 0 0 0 rg BT 175.67 111.75 Td (ger and acquisition opportunities to enhance our business lines. ) Tj ET Q q 0 0 0 rg BT 433.49 111.75 Td (W) Tj ET Q q 0 0 0 rg BT 442.13 111.75 Td (e have substantial leverage to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.75 Td (rising interest rates and an improving economy which generates payroll growth and wage inflation. ) Tj ET Q q 0 0 0 rg BT 450.87 99.75 Td (W) Tj ET Q q 0 0 0 rg BT 459.51 99.75 Td (e believe that consistent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.75 Td (operating results, combined with the implementation of strategic initiatives and the ef) Tj ET Q q 0 0 0 rg BT 391.45 87.75 Td (fective deployment of capital, will allow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.75 Td (us to meet our long-term financial objectives.) Tj ET Q endstream endobj 15 0 obj <> endobj 16 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 735.75 Td (Reporting Segments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (Our reporting segments are comprised of the following: Unum US, Unum International, Colonial Life, Closed Block, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.75 Td (Corporate. In connection with our acquisition of Unum Poland in the fourth quarter of 2018, we changed the name of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.75 Td (Unum UK segment to Unum International. ) Tj ET Q q 0 0 0 rg BT 225.96 687.75 Td (The Unum International segment is comprised of our Unum UK line of business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.75 Td (and our Unum Poland line of business. ) Tj ET Q q 0 0 0 rg BT 209.58 675.75 Td (The percentage of consolidated premium income generated by each reporting segment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.75 Td (for the year ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.46 663.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.04 663.75 Td ( is as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 164.50 653.25 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 653.25 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 164.50 625.25 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 625.25 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 164.50 597.25 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 597.25 47.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 597.25 m 446.5 597.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 597.25 m 446.5 597.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 584.25 m 446.5 584.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 582.25 m 446.5 582.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.00 643.82 Td (Unum US) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.15 643.82 Td (63.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.65 643.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.00 629.82 Td (Unum International) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.15 629.82 Td (6.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.00 615.82 Td (Colonial Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.15 615.82 Td (17.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.00 601.82 Td (Closed Block) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.15 601.82 Td (12.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 167.00 587.93 Td (T) Tj ET Q q 0 0 0 rg BT 172.75 587.93 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.10 587.82 Td (100.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.65 587.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 559.75 Td (Financial information, including discussion of the acquisition of Unum Poland, is provided in "Management's Discussion and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 547.75 Td (Analysis of Financial Condition and Results of Operations" contained herein in Item 7 and Note 13 of the "Notes to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 535.75 Td (Consolidated Financial Statements" contained herein in Item 8.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 511.75 Td (Unum US Segment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 487.75 Td (Our Unum US segment includes group long-term and short-term disability insurance, group life and accidental death and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 475.75 Td (dismemberment products, and supplemental and voluntary lines of business. ) Tj ET Q q 0 0 0 rg BT 359.82 475.75 Td (The supplemental and voluntary lines of business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 463.75 Td (are comprised of individual disability) Tj ET Q q 0 0 0 rg BT 198.82 463.75 Td (, voluntary benefits, and dental and vision products. Unum US products are issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 451.75 Td (primarily by Unum ) Tj ET Q q 0 0 0 rg BT 128.66 451.75 Td (America, Provident, and Starmount Life. Paul Revere Life previously issued products reported in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 439.75 Td (Unum US segment and continues to service the in-force policies, but Paul Revere Life no longer actively markets new business. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 427.75 Td (These products are marketed through our field sales personnel who work in conjunction with independent brokers and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 415.75 Td (consultants. Our market strategy for Unum US is to ef) Tj ET Q q 0 0 0 rg BT 268.45 415.75 Td (fectively deliver an integrated of) Tj ET Q q 0 0 0 rg BT 398.76 415.75 Td (fering of employee benefit products in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 403.75 Td (the group core market segment, which we define for Unum US as employee groups with fewer than 2,000 employees, the group ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 391.75 Td (lar) Tj ET Q q 0 0 0 rg BT 59.87 391.75 Td (ge case market segment, and the supplemental and voluntary market segment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 367.75 Td (The percentage of Unum US segment premium income generated by each product line during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.15 367.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.15 367.75 Td ( is as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 163.00 357.25 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 357.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 163.00 329.25 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 329.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 163.00 301.25 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 301.25 50.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 287.25 m 448 287.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 287.25 m 448 287.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 274.25 m 448 274.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 272.25 m 448 272.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.50 347.82 Td (Group Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.65 347.82 Td (43.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.15 347.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.50 333.82 Td (Group Life and ) Tj ET Q q 0 0 0 rg BT 229.37 333.82 Td (Accidental Death & Dismemberment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.65 333.82 Td (30.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.50 319.82 Td (Individual Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.65 319.82 Td (7.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.50 305.82 Td (V) Tj ET Q q 0 0 0 rg BT 172.08 305.82 Td (oluntary Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.65 305.82 Td (15.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.50 291.82 Td (Dental and ) Tj ET Q q 0 0 0 rg BT 211.41 291.82 Td (V) Tj ET Q q 0 0 0 rg BT 218.03 291.82 Td (ision) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.65 291.82 Td (3.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 165.50 277.93 Td (T) Tj ET Q q 0 0 0 rg BT 171.25 277.93 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.65 277.82 Td (100.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.15 277.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 248.4169921875 m 243.0224609375 248.4169921875 l s q 0 0 0 rg BT 67.50 249.75 Td (Group Long-term and Short-term Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 225.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 225.75 Td (e sell group long-term and short-term disability products to employers for the benefit of employees. Group long-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 213.75 Td (disability provides employees with insurance coverage for loss of income in the event of extended work absences due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 201.75 Td (sickness or injury) Tj ET Q q 0 0 0 rg BT 119.40 201.75 Td (. ) Tj ET Q q 0 0 0 rg BT 126.72 201.75 Td (W) Tj ET Q q 0 0 0 rg BT 135.35 201.75 Td (e of) Tj ET Q q 0 0 0 rg BT 150.44 201.75 Td (fer services to employers and insureds to encourage and facilitate rehabilitation, retraining, and re-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 189.75 Td (employment. Most policies begin providing benefits following 90 or 180 day waiting periods and continue providing benefits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 177.75 Td (until the employee reaches a certain age, generally between 65 and 70, or recovers from the disability) Tj ET Q q 0 0 0 rg BT 454.80 177.75 Td (. ) Tj ET Q q 0 0 0 rg BT 462.12 177.75 Td (The benefits are limited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 165.75 Td (to specified maximums as a percentage of income. Ef) Tj ET Q q 0 0 0 rg BT 265.91 165.75 Td (fective January 1, 2018, coverage began for our new medical stop-loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 153.75 Td (product, which is included in our group long-term disability product line. Medical stop-loss is designed to protect self-insured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 141.75 Td (employers if their employees' medical claims exceed certain agreed upon thresholds.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 117.75 Td (Group short-term disability insurance generally provides coverage from loss of income due to injury or sickness, ef) Tj ET Q q 0 0 0 rg BT 510.58 117.75 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 105.75 Td (immediately for accidents and after one week for sickness, for up to 26 weeks, limited to specified maximums as a percentage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 93.75 Td (of income. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 69.75 Td (Premiums for group long-term and short-term disability are generally based on expected claims of a pool of similar risks plus ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 57.75 Td (provisions for administrative expenses, investment income, and profit. In some cases, coverage for lar) Tj ET Q q 0 0 0 rg BT 459.75 57.75 Td (ge employers will ) Tj ET Q endstream endobj 17 0 obj <> endobj 18 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (include retrospective experience rating provisions or will be underwritten on an experience-rated basis. Premiums for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (experience-rated group long-term and short-term disability business are based on the expected experience of the client given its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (demographics, industry group, and location, adjusted for the credibility of the specific claim experience of the client. Both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (group long-term and short-term disability are sold primarily on a basis permitting periodic repricing to address the underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (claims experience. ) Tj ET Q q 0 0 0 rg BT 128.72 687.60 Td (W) Tj ET Q q 0 0 0 rg BT 137.36 687.60 Td (e also of) Tj ET Q q 0 0 0 rg BT 171.06 687.60 Td (fer fee-based administrative services only \(ASO\) products, where the responsibility for funding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (claim payments remains with the customer) Tj ET Q q 0 0 0 rg BT 220.44 675.60 Td (, and fee-based family medical leave products. Premiums for our medical stop-loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (product are generally based on the number of covered employees in self-insured employer groups and their estimated overall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (health risk plus provisions for administrative expenses, and profit. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 627.60 Td (e have defined underwriting practices and procedures. If the coverage amount exceeds certain prescribed age and amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (limits, we may require a prospective insured to submit evidence of insurability) Tj ET Q q 0 0 0 rg BT 363.22 615.60 Td (. Our disability policies are typically issued, both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (at inception and renewal, with rate guarantees. For new group policyholders, the usual rate guarantee is one to three years. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (group policies being renewed, the rate guarantee is generally one year) Tj ET Q q 0 0 0 rg BT 328.70 591.60 Td (, but may be longer) Tj ET Q q 0 0 0 rg BT 405.63 591.60 Td (. ) Tj ET Q q 0 0 0 rg BT 412.95 591.60 Td (The profitability of the policy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (depends on the adequacy of the rate during the rate guarantee period. ) Tj ET Q q 0 0 0 rg BT 330.31 579.60 Td (The contracts provide for certain circumstances in which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (the rate guarantees can be overridden. Our medical stop loss contracts are typically renewable on an annual basis and rates are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (not guaranteed beyond one year) Tj ET Q q 0 0 0 rg BT 176.67 555.60 Td (. ) Tj ET Q q 0 0 0 rg BT 183.99 555.60 Td (There is no requirement for prospective insureds to submit evidence of insurability because ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (coverage levels are determined for the group as a whole.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (Profitability of group long-term and short-term disability insurance and our medical stop-loss product is af) Tj ET Q q 0 0 0 rg BT 475.34 519.60 Td (fected by sales, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (persistency) Tj ET Q q 0 0 0 rg BT 93.84 507.60 Td (, investment returns, claims experience, and the level of administrative expenses. Morbidity is an important factor in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (disability claims experience, and many economic and societal factors can af) Tj ET Q q 0 0 0 rg BT 352.81 495.60 Td (fect claim incidence for disability insurance. ) Tj ET Q q 0 0 0 rg BT 535.33 495.60 Td (W) Tj ET Q q 0 0 0 rg BT 543.97 495.60 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (routinely make pricing adjustments on our group insurance products, when contractually permitted, which take into account ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (emer) Tj ET Q q 0 0 0 rg BT 69.30 471.60 Td (ging experience and external factors. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 446.2669921875 m 286.8701171875 446.2669921875 l s q 0 0 0 rg BT 67.50 447.60 Td (Group Life and ) Tj ET Q q 0 0 0 rg BT 131.09 447.60 Td (Accidental Death and Dismemberment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (Group life and accidental death and dismemberment products are sold to employers as employee benefit products. Group life ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (consists primarily of renewable term life insurance with the coverages frequently linked to employees' wages and includes a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (provision for waiver of premium, if disabled. ) Tj ET Q q 0 0 0 rg BT 234.46 399.60 Td (Accidental death and dismemberment consists primarily of an additional benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (amount payable if death or severe injury is attributable to an accident. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (Premiums are generally based on expected claims of a pool of similar risks plus provisions for administrative expenses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (investment income, and profit. Underwriting practices and rate guarantees are similar to those used for group disability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (products, and evidence of insurability is required for benefits in excess of a specified limit. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (Profitability of group life and accidental death and dismemberment insurance is af) Tj ET Q q 0 0 0 rg BT 378.38 315.60 Td (fected by persistency) Tj ET Q q 0 0 0 rg BT 462.14 315.60 Td (, investment returns, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (claims experience, and the level of administrative expenses.) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 278.2669921875 m 150.546875 278.2669921875 l s q 0 0 0 rg BT 67.50 279.60 Td (Individual Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (Individual disability products are of) Tj ET Q q 0 0 0 rg BT 192.62 255.60 Td (fered primarily to multi-life employer groups to supplement their group disability plans and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (may be funded by the employer) Tj ET Q q 0 0 0 rg BT 176.00 243.60 Td (, but the policy is owned by the employee and is portable. Individual disability insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (provides the insured with a portion of earned income lost as a result of sickness or injury) Tj ET Q q 0 0 0 rg BT 403.77 231.60 Td (. ) Tj ET Q q 0 0 0 rg BT 411.09 231.60 Td (The benefits, including the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (underlying group disability coverage, typically range from 30 percent to 75 percent of the insured's monthly earned income. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 207.60 Td (e provide various options with respect to length of benefit periods, product features, and waiting periods before benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (payments begin, which permit tailoring of the multi-life plan to a specific employer's needs. ) Tj ET Q q 0 0 0 rg BT 421.85 195.60 Td (W) Tj ET Q q 0 0 0 rg BT 430.49 195.60 Td (e also market individual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (disability policies which include payments for the transfer of business ownership between partners and payments for business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.60 Td (overhead expenses, also on a multi-life basis. Individual disability products do not provide for the accumulation of cash values. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (Premium rates for individual disability products vary by age, product features, and occupation based on assumptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.60 Td (concerning morbidity) Tj ET Q q 0 0 0 rg BT 135.22 135.60 Td (, mortality) Tj ET Q q 0 0 0 rg BT 176.23 135.60 Td (, persistency) Tj ET Q q 0 0 0 rg BT 225.56 135.60 Td (, administrative expenses, investment income, and profit. ) Tj ET Q q 0 0 0 rg BT 458.66 135.60 Td (W) Tj ET Q q 0 0 0 rg BT 467.30 135.60 Td (e develop our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.60 Td (assumptions based on our own experience. Our underwriting rules, issue limits, and plan designs reflect risk and the financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (circumstances of prospective insureds. Individuals in multi-life groups may be subject to limited medical underwriting. ) Tj ET Q q 0 0 0 rg BT 533.37 111.60 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.60 Td (majority of our individual disability policies are written on a noncancelable basis. Under a noncancelable policy) Tj ET Q q 0 0 0 rg BT 499.54 99.60 Td (, as long as the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.60 Td (insured continues to pay the fixed annual premium for the policy's duration, we cannot cancel the policy or change the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.60 Td (premium.) Tj ET Q endstream endobj 19 0 obj <> endobj 20 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (Profitability of individual disability insurance is af) Tj ET Q q 0 0 0 rg BT 251.51 735.60 Td (fected by persistency) Tj ET Q q 0 0 0 rg BT 335.27 735.60 Td (, investment returns, claims experience, and the level of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (administrative expenses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 698.2669921875 m 142.5830078125 698.2669921875 l s q 0 0 0 rg BT 67.50 699.60 Td (V) Tj ET Q q 0 0 0 rg BT 73.43 699.60 Td (oluntary Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (V) Tj ET Q q 0 0 0 rg BT 55.43 675.60 Td (oluntary benefits products are primarily sold to groups of employees through payroll deduction at the workplace and include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (life, disability) Tj ET Q q 0 0 0 rg BT 104.40 663.60 Td (, accident, hospital indemnity) Tj ET Q q 0 0 0 rg BT 221.78 663.60 Td (, cancer) Tj ET Q q 0 0 0 rg BT 252.46 663.60 Td (, and critical illness of) Tj ET Q q 0 0 0 rg BT 340.86 663.60 Td (fered on both a group and individual basis. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (Premium rates for voluntary benefits products are based on assumptions concerning morbidity) Tj ET Q q 0 0 0 rg BT 426.26 639.60 Td (, mortality) Tj ET Q q 0 0 0 rg BT 467.27 639.60 Td (, persistency) Tj ET Q q 0 0 0 rg BT 516.61 639.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (administrative expenses, investment income, and profit. ) Tj ET Q q 0 0 0 rg BT 277.60 627.60 Td (W) Tj ET Q q 0 0 0 rg BT 286.23 627.60 Td (e develop our assumptions based on our own claims and persistency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (experience and published industry tables. Our underwriters evaluate the medical condition of prospective policyholders prior to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (the issuance of a policy on a simplified basis. Underwriting requirements may be waived for cases that meet certain criteria, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (including participation levels. Individual voluntary benefits products other than life insurance are of) Tj ET Q q 0 0 0 rg BT 451.42 591.60 Td (fered on a guaranteed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (renewable basis which allows us to re-price in-force policies, subject to regulatory approval. Group voluntary benefits products ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (are of) Tj ET Q q 0 0 0 rg BT 72.36 567.60 Td (fered primarily on an optionally renewable basis which allows us to re-price or terminate in-force policies. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (Profitability of voluntary benefits products is af) Tj ET Q q 0 0 0 rg BT 239.84 543.60 Td (fected by the level of employee participation, persistency) Tj ET Q q 0 0 0 rg BT 467.99 543.60 Td (, investment returns, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (claims experience, and the level of administrative expenses.) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 506.2669921875 m 139.482421875 506.2669921875 l s q 0 0 0 rg BT 67.50 507.60 Td (Dental and ) Tj ET Q q 0 0 0 rg BT 113.41 507.60 Td (V) Tj ET Q q 0 0 0 rg BT 120.03 507.60 Td (ision) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (Group dental and vision products are sold to employers as employee benefit products. Our group dental products include a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (variety of insured and self-insured dental care plans including preferred provider or) Tj ET Q q 0 0 0 rg BT 382.80 471.60 Td (ganizations and scheduled reimbursement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (plans. Our group vision products provide coverage that includes a range of both in-network and out-of-network benefits for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (routine vision services of) Tj ET Q q 0 0 0 rg BT 150.13 447.60 Td (fered either in conjunction with our dental product of) Tj ET Q q 0 0 0 rg BT 362.66 447.60 Td (ferings or as stand-alone coverage.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (Premiums for small case group dental and vision products are generally based on expected claims of a pool of similar risks plus ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (a provision for administrative expenses, investment income, and profit. Premiums for lar) Tj ET Q q 0 0 0 rg BT 406.74 411.60 Td (ge employer groups are underwritten ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (on an experience-rated basis.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (Profitability of our dental and vision products is af) Tj ET Q q 0 0 0 rg BT 251.51 375.60 Td (fected by persistency) Tj ET Q q 0 0 0 rg BT 335.27 375.60 Td (, investment returns, claims experience, and the level of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (administrative expenses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 339.60 Td (e discontinued of) Tj ET Q q 0 0 0 rg BT 126.83 339.60 Td (fering our direct-to-consumer individual dental and vision products, a portion of the Starmount Life ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 327.60 Td (fering, in the second half of 2018 to focus on the integration of our dental and vision products in our existing Unum US and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (Colonial Life distribution channels. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 67.50 291.60 Td (Unum International Segment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (The Unum International segment includes our operations in the United Kingdom and Poland. Unum UK's business includes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (insurance for group long-term disability) Tj ET Q q 0 0 0 rg BT 208.81 255.60 Td (, group life, and supplemental lines of business which include dental, individual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (disability) Tj ET Q q 0 0 0 rg BT 86.07 243.60 Td (, and critical illness products. Unum Poland's business primarily includes insurance for individual and group life with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (accident and health riders. Both Unum UK's and Unum Poland's products are sold primarily through field sales personnel and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (independent brokers and consultants. Unum Poland 's results are included within the supplemental product. ) Tj ET Q q 0 0 0 rg BT 485.48 219.60 Td (The market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (strategy for the segment is to of) Tj ET Q q 0 0 0 rg BT 175.96 207.60 Td (fer benefits to employers and employees through the workplace, with a focus on the expansion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (of the number of employers and employees covered in our Unum UK core market segment, which we define as employee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (groups with fewer than 500 employees, and the growth of the existing Unum Poland business through the incorporation of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.60 Td (benefits and distribution expertise.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (The percentage of Unum International segment premium income generated by each product line during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.46 147.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.46 147.60 Td ( is as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 163.00 137.10 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 137.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 163.00 109.10 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 109.10 50.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 95.10000000000002 m 448 95.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 95.10000000000002 m 448 95.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 82.10000000000002 m 448 82.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 80.10000000000002 m 448 80.10000000000002 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.50 127.67 Td (Group Long-term Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.65 127.67 Td (63.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.15 127.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.50 113.67 Td (Group Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.65 113.67 Td (19.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.50 99.67 Td (Supplemental) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.65 99.67 Td (17.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 165.50 85.78 Td (T) Tj ET Q q 0 0 0 rg BT 171.25 85.78 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.65 85.67 Td (100.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.15 85.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 21 0 obj <> endobj 22 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (6) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 734.2669921875 m 180.2587890625 734.2669921875 l s q 0 0 0 rg BT 67.50 735.60 Td (Group Long-term Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (Group long-term disability products are sold to employers for the benefit of employees. Group long-term disability provides ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (employees with insurance coverage for loss of income in the event of extended work absences due to sickness or injury) Tj ET Q q 0 0 0 rg BT 526.20 699.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (Services are of) Tj ET Q q 0 0 0 rg BT 108.73 687.60 Td (fered to employers and insureds to encourage and facilitate rehabilitation, retraining, and re-employment. Most ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (policies begin providing benefits following 90 or 180 day waiting periods and continue providing benefits until the employee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (reaches a certain age, generally between 60 and 67. ) Tj ET Q q 0 0 0 rg BT 259.77 663.60 Td (The benefits are limited to specified maximums as a percentage of income. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (Premiums for group long-term disability are generally based on expected claims of a pool of similar risks plus provisions for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (administrative expenses, investment income, and profit. Some cases carry experience rating provisions. Premiums for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (experience-rated group long-term disability business are based on the expected experience of the client given its demographics, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (industry group, and location, adjusted for the credibility of the specific claim experience of the client. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 579.60 Td (e have defined underwriting practices and procedures. If the coverage amount exceeds certain prescribed age and amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (limits, we may require a prospective insured to submit evidence of insurability) Tj ET Q q 0 0 0 rg BT 363.22 567.60 Td (. Policies are typically issued, both at inception ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (and renewal, with rate guarantees. ) Tj ET Q q 0 0 0 rg BT 190.92 555.60 Td (The usual rate guarantee is two years but may vary depending on circumstances.) Tj ET Q q 0 0 0 rg BT 517.57 555.60 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (profitability of the policy is dependent upon the adequacy of the rate during the rate guarantee period. ) Tj ET Q q 0 0 0 rg BT 461.12 543.60 Td (The contracts provide for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (certain circumstances in which the rate guarantees can be overridden.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (Profitability of group long-term disability insurance is af) Tj ET Q q 0 0 0 rg BT 276.22 507.60 Td (fected by persistency) Tj ET Q q 0 0 0 rg BT 359.98 507.60 Td (, investment returns, claims experience, and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (level of administrative expenses. Morbidity is an important factor in disability claims experience. ) Tj ET Q q 0 0 0 rg BT 446.16 495.60 Td (W) Tj ET Q q 0 0 0 rg BT 454.79 495.60 Td (e routinely make pricing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (adjustments on our group insurance products, when contractually permitted, which take into account emer) Tj ET Q q 0 0 0 rg BT 473.91 483.60 Td (ging experience and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (external factors. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 446.2669921875 m 112.20703125 446.2669921875 l s q 0 0 0 rg BT 67.50 447.60 Td (Group Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (Group life products are sold to employers as employee benefit products. Group life consists of two types of products, a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (renewable term life insurance product and a group dependent life product. ) Tj ET Q q 0 0 0 rg BT 350.59 411.60 Td (The renewable term life product provides a lump ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (sum benefit to the beneficiary on death of an employee. ) Tj ET Q q 0 0 0 rg BT 277.01 399.60 Td (The group dependent life product, which we discontinued of) Tj ET Q q 0 0 0 rg BT 518.71 399.60 Td (fering to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (new customers in 2012, provides an annuity to the beneficiary upon the death of an employee. Both coverages are frequently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (linked to employees' wages. Premiums for group life are generally based on expected claims of a pool of similar risks plus ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (provisions for administrative expenses, investment income, and profit. Underwriting and rate guarantees are similar to those ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (utilized for group long-term disability products. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (Profitability of group life is af) Tj ET Q q 0 0 0 rg BT 169.57 327.60 Td (fected by persistency) Tj ET Q q 0 0 0 rg BT 253.33 327.60 Td (, investment returns, claims experience, and the level of administrative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (expenses. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 290.2669921875 m 122.490234375 290.2669921875 l s q 0 0 0 rg BT 67.50 291.60 Td (Supplemental) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (Supplemental products for our Unum UK line of business are sold to individual retail customers as well as groups of employees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (and include individual disability) Tj ET Q q 0 0 0 rg BT 178.00 255.60 Td (, group and individual critical illness, and group dental. Individual disability products provide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (the insured with a portion of earned income lost as a result of sickness or injury) Tj ET Q q 0 0 0 rg BT 366.83 243.60 Td (. Critical illness products provide a lump-sum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (benefit on the occurrence of a covered critical illness event. Group dental products generally provide fixed benefits based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (specified treatments or a portion of the cost of the treatment. Unum Poland products, which include both individual and group ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (life products, provide renewable term and whole life insurance with accident and health riders.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (Premiums for our individual products vary by age and are based on assumptions concerning morbidity) Tj ET Q q 0 0 0 rg BT 458.76 183.60 Td (, mortality) Tj ET Q q 0 0 0 rg BT 499.77 183.60 Td (, persistency) Tj ET Q q 0 0 0 rg BT 549.11 183.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.60 Td (administrative expenses, investment income, and profit. ) Tj ET Q q 0 0 0 rg BT 277.60 171.60 Td (W) Tj ET Q q 0 0 0 rg BT 286.23 171.60 Td (e develop our assumptions based on our own claims and persistency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td (experience and published industry tables. ) Tj ET Q q 0 0 0 rg BT 219.18 159.60 Td (Approximately one half of our individual disability policies are written on a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (noncancelable basis. ) Tj ET Q q 0 0 0 rg BT 136.51 147.60 Td (The remainder of our individual disability policies and all of our individual critical illness products are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.60 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 135.60 Td (fered on a guaranteed renewable basis which allows us to re-price in-force policies. Our underwriters evaluate the medical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.60 Td (and financial condition of prospective policyholders prior to the issuance of a policy) Tj ET Q q 0 0 0 rg BT 385.97 123.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.60 Td (Premiums for group critical illness products are generally based on expected claims of a pool of similar risks plus provisions for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.60 Td (administrative expenses, investment income, and profit. Underwriting and rate guarantees are similar to those utilized for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.60 Td (group long-term disability products. Premiums for group dental products are generally based on standard industry rates that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.60 Td (vary by age, with minor pricing variation based on the number of covered employees in the group.) Tj ET Q endstream endobj 23 0 obj <> endobj 24 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (Premiums for Unum Poland products are based on expected claims of a pool of similar risks plus provisions for administrative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (expenses, investment income, and profit.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (Profitability of our supplemental products is af) Tj ET Q q 0 0 0 rg BT 236.51 699.60 Td (fected by persistency) Tj ET Q q 0 0 0 rg BT 320.27 699.60 Td (, investment returns, claims experience, and the level of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (administrative expenses.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 663.60 Td (Colonial Life Segment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (Our Colonial Life segment includes insurance for accident, sickness, and disability products, which includes our expanded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (dental and vision products, life products, and cancer and critical illness products issued primarily by Colonial Life & ) Tj ET Q q 0 0 0 rg BT 518.27 627.60 Td (Accident ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (Insurance Company and marketed to employees, on both a group and an individual basis, at the workplace through an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (independent contractor agency sales force and brokers. Our market strategy for Colonial Life is to ef) Tj ET Q q 0 0 0 rg BT 453.89 603.60 Td (fectively deliver a broad ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (set of voluntary products and services in the public sector market and in the commercial market, with a particular focus on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (core commercial market segment, which we define for Colonial Life as accounts with fewer than 1,000 employees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 555.60 Td (e have defined underwriting practices and procedures for each of our products. Most policies are issued on a simplified issue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (basis, based on answers to simple health and employment questions. If the amount applied for exceeds certain levels, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (applicant may be asked to answer additional health questions or submit to additional medical examinations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (The percentage of Colonial Life segment premium income generated by each product line during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.47 507.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.47 507.60 Td ( is as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 163.00 497.10 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 497.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 163.00 469.10 235.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 469.10 50.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 455.1 m 448 455.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 455.1 m 448 455.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 442.1 m 448 442.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 440.1 m 448 440.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.50 487.67 Td (Accident, Sickness, and Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.65 487.67 Td (57.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.15 487.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.50 473.67 Td (Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.65 473.67 Td (20.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.50 459.67 Td (Cancer and Critical Illness) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.65 459.67 Td (21.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 165.50 445.78 Td (T) Tj ET Q q 0 0 0 rg BT 171.25 445.78 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.65 445.67 Td (100.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.15 445.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 416.2669921875 m 204.9755859375 416.2669921875 l s q 0 0 0 rg BT 67.50 417.60 Td (Accident, Sickness, and Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 393.60 Td (The accident, sickness, and disability product line consists of short-term disability plans, accident-only plans providing benefits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 381.60 Td (for injuries on a specified loss basis, and our expanded dental and vision products. It also includes accident, health, and dental ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 369.60 Td (plans covering hospital admissions, confinement, sur) Tj ET Q q 0 0 0 rg BT 261.23 369.60 Td (geries, and dental services on an indemnity basis. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 345.60 Td (Premiums for accident, sickness, and disability products are generally based on assumptions for morbidity) Tj ET Q q 0 0 0 rg BT 474.04 345.60 Td (, mortality) Tj ET Q q 0 0 0 rg BT 515.05 345.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 333.60 Td (persistency) Tj ET Q q 0 0 0 rg BT 93.84 333.60 Td (, administrative expenses, investment income, and profit. ) Tj ET Q q 0 0 0 rg BT 326.93 333.60 Td (W) Tj ET Q q 0 0 0 rg BT 335.57 333.60 Td (e develop our assumptions based on our own ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 321.60 Td (experience. Premiums are primarily individual guaranteed renewable for which we have the ability to change premiums on a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 309.60 Td (state by state basis. ) Tj ET Q q 0 0 0 rg BT 130.60 309.60 Td (A) Tj ET Q q 0 0 0 rg BT 137.27 309.60 Td ( small percentage of the policies are written on a group basis for which we retain the right to change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 297.60 Td (premiums at the individual account level. Premiums for our expanded dental and vision products are generally guaranteed issue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 285.60 Td (with standard industry rates that vary by age and region. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 273.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 261.60 Td (Profitability is af) Tj ET Q q 0 0 0 rg BT 117.09 261.60 Td (fected by the level of employee participation, persistency) Tj ET Q q 0 0 0 rg BT 345.24 261.60 Td (, investment returns, claims experience, and the level ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 249.60 Td (of administrative expenses. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 225.60 Td (The accident, health and dental products qualify as fringe benefits that can be purchased with pre-tax employee dollars under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 213.60 Td (flexible benefits programs. Flexible benefits programs assist employers in managing benefit and compensation packages and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 201.60 Td (provide policyholders the ability to choose benefits that best meet their needs. Laws could be changed to limit or eliminate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 189.60 Td (fringe benefits available on a pre-tax basis, eliminating our ability to continue marketing our products this way) Tj ET Q q 0 0 0 rg BT 491.79 189.60 Td (. However) Tj ET Q q 0 0 0 rg BT 535.54 189.60 Td (, we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 177.60 Td (believe our products provide value to our policyholders that will remain even if the tax advantages of) Tj ET Q q 0 0 0 rg BT 454.19 177.60 Td (fered by flexible benefits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 165.60 Td (programs are modified or eliminated. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 140.26699218750002 m 84.1552734375 140.26699218750002 l s q 0 0 0 rg BT 67.50 141.60 Td (Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 117.60 Td (Life products are primarily comprised of universal life, whole life, and term life policies. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 93.60 Td (Premium rates vary by age and are based on assumptions concerning mortality) Tj ET Q q 0 0 0 rg BT 363.48 93.60 Td (, persistency) Tj ET Q q 0 0 0 rg BT 412.82 93.60 Td (, administrative expenses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 81.60 Td (investment income, and profit. ) Tj ET Q q 0 0 0 rg BT 176.79 81.60 Td (W) Tj ET Q q 0 0 0 rg BT 185.43 81.60 Td (e develop our assumptions based on our own experience and published industry tables. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 69.60 Td (Premiums for the whole life and level term products are guaranteed for the life of the contract. Premiums for the universal life ) Tj ET Q endstream endobj 25 0 obj <> endobj 26 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (products are flexible and may vary at the individual policyholder level. For the group term life products, we retain the right to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (change premiums at the account level based on the experience of the account.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (Profitability is af) Tj ET Q q 0 0 0 rg BT 117.09 699.60 Td (fected by the level of employee participation, persistency) Tj ET Q q 0 0 0 rg BT 345.24 699.60 Td (, investment returns, claims experience, and the level ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (of administrative expenses. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 662.2669921875 m 173.8525390625 662.2669921875 l s q 0 0 0 rg BT 67.50 663.60 Td (Cancer and Critical Illness) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (Cancer policies provide various benefits for the treatment of cancer including hospitalization, sur) Tj ET Q q 0 0 0 rg BT 437.80 639.60 Td (gery) Tj ET Q q 0 0 0 rg BT 454.92 639.60 Td (, radiation, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (chemotherapy) Tj ET Q q 0 0 0 rg BT 105.49 627.60 Td (. Critical illness policies provide a lump-sum benefit and/or fixed payments on the occurrence of a covered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (critical illness event.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (Premiums are generally based on assumptions for morbidity) Tj ET Q q 0 0 0 rg BT 289.64 591.60 Td (, mortality) Tj ET Q q 0 0 0 rg BT 330.65 591.60 Td (, persistency) Tj ET Q q 0 0 0 rg BT 379.98 591.60 Td (, administrative expenses, investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (income, and profit. ) Tj ET Q q 0 0 0 rg BT 130.41 579.60 Td (W) Tj ET Q q 0 0 0 rg BT 139.05 579.60 Td (e develop our assumptions based on our own experience. Premiums are primarily individual guaranteed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (renewable wherein we have the ability to change premiums on a state by state basis. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (Profitability of these products is af) Tj ET Q q 0 0 0 rg BT 187.90 543.60 Td (fected by the level of employee participation, persistency) Tj ET Q q 0 0 0 rg BT 416.05 543.60 Td (, investment returns, claims ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (experience, and the level of administrative expenses. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 507.60 Td (Closed Block Segment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (Our Closed Block segment consists of individual disability) Tj ET Q q 0 0 0 rg BT 284.67 483.60 Td (, group and individual long-term care, and other insurance products ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (no longer actively marketed. Closed Block segment premium income for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.09 471.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.09 471.60 Td ( was comprised of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.88 471.60 Td (39 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.81 471.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (individual disability and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.21 459.60 Td (61 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.14 459.60 Td ( group and individual long-term care.) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 434.2669921875 m 150.546875 434.2669921875 l s q 0 0 0 rg BT 67.50 435.60 Td (Individual Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 411.60 Td (e began limiting sales of the types of individual disability policies reported in our Closed Block segment subsequent to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (mid-1990s after substantial changes in product design were implemented to improve the overall risk profile of our of) Tj ET Q q 0 0 0 rg BT 516.69 399.60 Td (ferings of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (individual disability products. ) Tj ET Q q 0 0 0 rg BT 174.03 387.60 Td (W) Tj ET Q q 0 0 0 rg BT 182.67 387.60 Td (e entirely discontinued issuing new policies in this closed block of business in 2004, other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (than through update features contractually allowable on existing policies. ) Tj ET Q q 0 0 0 rg BT 347.28 375.60 Td (The majority of the policies were written on a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (noncancelable basis and were marketed on a single-life customer basis. Profitability is af) Tj ET Q q 0 0 0 rg BT 406.98 363.60 Td (fected by persistency) Tj ET Q q 0 0 0 rg BT 490.74 363.60 Td (, investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (returns, claims experience, and the level of administrative expenses.) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 326.2669921875 m 222.734375 326.2669921875 l s q 0 0 0 rg BT 67.50 327.60 Td (Group and Individual Long-term Care ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 303.60 Td (e discontinued of) Tj ET Q q 0 0 0 rg BT 126.83 303.60 Td (fering individual long-term care in 2009 and group long-term care in 2012, other than features contractually ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (allowable on existing group policies. Group long-term care was previously of) Tj ET Q q 0 0 0 rg BT 362.02 291.60 Td (fered to employers for the benefit of employees. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (Individual long-term care was previously marketed on a single-life customer basis. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (Long-term care insurance pays a benefit upon the loss of two or more activities of daily living and the insured's requirement of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (standby assistance or cognitive impairment. Payment is generally made on an indemnity basis, regardless of expenses incurred, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (up to a lifetime maximum. Benefits begin after a waiting period, usually 90 days or less, and are generally paid for a period of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (three years, six years, or lifetime. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (Our long-term care insurance was sold on a guaranteed renewable basis which allows us to re-price in-force policies, subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (regulatory approval. Premium rates for long-term care vary by age and are based on assumptions concerning morbidity) Tj ET Q q 0 0 0 rg BT 527.59 183.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.60 Td (mortality) Tj ET Q q 0 0 0 rg BT 85.51 171.60 Td (, persistency) Tj ET Q q 0 0 0 rg BT 134.85 171.60 Td (, administrative expenses, investment income, and profit. Premium rate increases continue to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td (implemented where needed and where approved by state regulators. ) Tj ET Q q 0 0 0 rg BT 326.16 159.60 Td (W) Tj ET Q q 0 0 0 rg BT 334.79 159.60 Td (e develop our assumptions based on our own claims and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (persistency experience and published industry tables. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.60 Td (Profitability is af) Tj ET Q q 0 0 0 rg BT 117.09 123.60 Td (fected by premium rate increases, persistency) Tj ET Q q 0 0 0 rg BT 298.58 123.60 Td (, investment returns, claims experience, and the level of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (administrative expenses. ) Tj ET Q endstream endobj 27 0 obj <> endobj 28 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (9) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 734.2669921875 m 90.2685546875 734.2669921875 l s q 0 0 0 rg BT 67.50 735.60 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (Other insurance products not actively marketed include group pension, individual life and corporate-owned life insurance, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (reinsurance pools and management operations, and other miscellaneous product lines. ) Tj ET Q q 0 0 0 rg BT 397.83 699.60 Td (The majority of these products have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (been reinsured, with approximately 80 percent of reserves at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.85 687.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.43 687.60 Td ( ceded to other insurance companies. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 663.60 Td (Corporate Segment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (Our Corporate segment includes investment income on corporate assets not specifically allocated to a line of business, interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (expense on corporate debt other than non-recourse debt, and certain other corporate income and expense not allocated to a line ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (of business. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (Reinsurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (In the normal course of business, we assume reinsurance from and cede reinsurance to other insurance companies. In a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (reinsurance transaction, a reinsurer agrees to indemnify another insurer for part or all of its liability under a policy or policies it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (has issued for an agreed upon premium. ) Tj ET Q q 0 0 0 rg BT 214.00 543.60 Td (W) Tj ET Q q 0 0 0 rg BT 222.63 543.60 Td (e undertake reinsurance transactions for both risk management and capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (management. If the assuming reinsurer in a reinsurance agreement is unable to meet its obligations, we remain contingently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (liable. In the event that reinsurers do not meet their obligations under the terms of the reinsurance agreement, reinsurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (recoverable balances could become uncollectible. ) Tj ET Q q 0 0 0 rg BT 252.83 507.60 Td (W) Tj ET Q q 0 0 0 rg BT 261.47 507.60 Td (e evaluate the financial condition of reinsurers to whom we cede business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (and monitor concentration of credit risk to minimize our exposure. ) Tj ET Q q 0 0 0 rg BT 320.91 495.60 Td (W) Tj ET Q q 0 0 0 rg BT 329.55 495.60 Td (e may also require assets to be held in trust, letters of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (credit, or other acceptable collateral to support reinsurance recoverable balances. ) Tj ET Q q 0 0 0 rg BT 377.76 483.60 Td (The collectibility of our reinsurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (recoverable is primarily a function of the solvency of the individual reinsurers. ) Tj ET Q q 0 0 0 rg BT 368.85 471.60 Td (Although we have controls to minimize our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (exposure, the insolvency of a reinsurer or the inability or unwillingness of a reinsurer to comply with the terms of a reinsurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (contract could have a material adverse ef) Tj ET Q q 0 0 0 rg BT 213.12 447.60 Td (fect on our results of operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (In general, the maximum amount of life insurance risk retained by our U.S. insurance subsidiaries under group or individual life ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (or group or individual accidental death and dismemberment policies during 2018 was $1 million per covered life per policy) Tj ET Q q 0 0 0 rg BT 542.60 411.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (The retention amount remains at $1 million for 2019. For Unum Limited life insurance risk, during 2018 we had reinsurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (agreements which provided ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.52 387.60 Td (75 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.44 387.60 Td ( coverage up to 500 thousand per covered life for group dependent life benefits and 25 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (percent coverage for group lump sum benefits, as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.26 375.60 Td (100 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.18 375.60 Td ( coverage per covered life above that amount. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 351.60 Td (e have reinsurance agreements on approximately 76 percent of our Closed Block individual disability business. ) Tj ET Q q 0 0 0 rg BT 507.19 351.60 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.08 339.60 Td (, this reinsurance covers approximately 67 percent of that portion of the consolidated risk above a $4.6 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (billion retention limit. ) Tj ET Q q 0 0 0 rg BT 142.37 327.60 Td (The risk limit for the reinsurer grows over time to a maximum of $2.2 billion, after which any further ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (losses will revert to us.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 291.60 Td (e have global catastrophic reinsurance coverage which covers all Unum Group insurance companies and includes four layers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (of coverage to limit our exposure under life, accidental death and dismemberment, long-term care, and disability policies in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (regard to a catastrophic event. Each layer provides coverage for all catastrophic events, including acts of war and any type of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (terrorism, up to $1 million of coverage per person per policy for each U.S. and non-U.K. line of covered business, and up to 2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (million of coverage for each U.K. covered line of business. ) Tj ET Q q 0 0 0 rg BT 290.91 243.60 Td (W) Tj ET Q q 0 0 0 rg BT 299.54 243.60 Td (e have the following coverage for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.71 243.60 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.71 243.60 Td (, after a $100 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (deductible: ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 195.10 128.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 195.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 195.10 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 195.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 195.10 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 167.10 128.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 167.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 167.10 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 167.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 167.10 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 139.10 128.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 139.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 139.10 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 139.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 139.10 52.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 195.10000000000002 m 311.5 195.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 195.10000000000002 m 371.5 195.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 195.10000000000002 m 427.5 195.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 139.10000000000002 m 371.5 139.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 126.10000000000002 m 371.5 126.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 124.10000000000002 m 371.5 124.10000000000002 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.30 199.77 Td (Layer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.80 209.82 Td (Coverage ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 318.40 199.81 Td (\(in millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.00 209.77 Td (Percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.80 199.77 Td (Coverage) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.00 185.67 Td (First) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.00 185.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.15 185.67 Td (50.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.15 185.67 Td (50.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 185.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.00 171.67 Td (Second) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.15 171.67 Td (55.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.15 171.67 Td (55.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.00 157.67 Td (Third) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.15 157.67 Td (90.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.15 157.67 Td (60.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.00 143.67 Td (Fourth) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.15 143.67 Td (180.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.15 143.67 Td (60.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.00 129.67 Td (T) Tj ET Q q 0 0 0 rg BT 191.41 129.67 Td (otal Catastrophic Coverage) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.00 129.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.15 129.67 Td (375.0) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 29 0 obj <> endobj 30 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (In addition to the global catastrophic reinsurance coverage noted above, Unum Limited has additional catastrophic coverage via ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (an arms-length, inter) Tj ET Q q 0 0 0 rg BT 132.33 723.60 Td (-company reinsurance agreement with Unum ) Tj ET Q q 0 0 0 rg BT 314.76 723.60 Td (America, under similar terms as the global catastrophic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (treaties. Unum Limited has the following additional coverage for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.70 711.60 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.70 711.60 Td (, after a 75 million deductible:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 185.00 675.10 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 675.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.00 675.10 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.00 675.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 675.10 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 185.00 647.10 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 647.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.00 647.10 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.00 647.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 647.10 46.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 185 675.1 m 315 675.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380 675.1 m 426 675.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 675.1 m 376 675.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 647.1 m 376 647.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 634.1 m 376 634.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319 632.1 m 376 632.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.80 679.77 Td (Layer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.80 689.82 Td (Coverage ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 322.40 679.81 Td (\(in millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.50 689.77 Td (Percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.30 679.77 Td (Coverage) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.50 665.67 Td (First) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 665.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.65 665.67 Td (15.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.65 665.67 Td (20.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.15 665.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.50 651.67 Td (Second) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.65 651.67 Td (6.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.65 651.67 Td (22.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.50 637.67 Td (T) Tj ET Q q 0 0 0 rg BT 192.91 637.67 Td (otal Catastrophic Coverage) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 637.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.65 637.67 Td (21.8) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 609.60 Td (Unum ) Tj ET Q q 0 0 0 rg BT 77.00 609.60 Td (Poland ) Tj ET Q q 0 0 0 rg BT 107.28 609.60 Td (has ) Tj ET Q q 0 0 0 rg BT 123.11 609.60 Td (additional ) Tj ET Q q 0 0 0 rg BT 165.60 609.60 Td (global ) Tj ET Q q 0 0 0 rg BT 193.09 609.60 Td (catastrophic ) Tj ET Q q 0 0 0 rg BT 243.90 609.60 Td (reinsurance ) Tj ET Q q 0 0 0 rg BT 292.49 609.60 Td (coverage ) Tj ET Q q 0 0 0 rg BT 331.07 609.60 Td (of ) Tj ET Q q 0 0 0 rg BT 341.90 609.60 Td (up ) Tj ET Q q 0 0 0 rg BT 354.40 609.60 Td (to ) Tj ET Q q 0 0 0 rg BT 364.68 609.60 Td (z) Tj ET Q /GS0 gs q 2.78 0 0 10.09 369.12 607.44 cm /I7 Do Q q 0 0 0 rg BT 371.90 609.60 Td (70 ) Tj ET Q q 0 0 0 rg BT 384.40 609.60 Td (million ) Tj ET Q q 0 0 0 rg BT 415.79 609.60 Td (with ) Tj ET Q q 0 0 0 rg BT 436.07 609.60 Td (a ) Tj ET Q q 0 0 0 rg BT 443.01 609.60 Td (maximum ) Tj ET Q q 0 0 0 rg BT 486.06 609.60 Td (retention ) Tj ET Q q 0 0 0 rg BT 524.10 609.60 Td (limit ) Tj ET Q q 0 0 0 rg BT 545.49 609.60 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 597.60 Td (z) Tj ET Q /GS0 gs q 2.78 0 0 10.09 53.94 595.44 cm /I8 Do Q q 0 0 0 rg BT 56.72 597.60 Td (0.8 ) Tj ET Q q 0 0 0 rg BT 71.72 597.60 Td (million ) Tj ET Q q 0 0 0 rg BT 103.11 597.60 Td (in ) Tj ET Q q 0 0 0 rg BT 113.39 597.60 Td (2018. ) Tj ET Q q 0 0 0 rg BT 138.39 597.60 Td ( ) Tj ET Q q 0 0 0 rg BT 140.89 597.60 Td (Insurable ) Tj ET Q q 0 0 0 rg BT 180.59 597.60 Td (events ) Tj ET Q q 0 0 0 rg BT 208.64 597.60 Td (include ) Tj ET Q q 0 0 0 rg BT 240.57 597.60 Td (passive ) Tj ET Q q 0 0 0 rg BT 272.51 597.60 Td (war) Tj ET Q q 0 0 0 rg BT 287.10 597.60 Td (, ) Tj ET Q q 0 0 0 rg BT 292.10 597.60 Td (as ) Tj ET Q q 0 0 0 rg BT 302.93 597.60 Td (well ) Tj ET Q q 0 0 0 rg BT 322.65 597.60 Td (as ) Tj ET Q q 0 0 0 rg BT 333.48 597.60 Td (nuclear) Tj ET Q q 0 0 0 rg BT 362.50 597.60 Td (, ) Tj ET Q q 0 0 0 rg BT 367.50 597.60 Td (chemical, ) Tj ET Q q 0 0 0 rg BT 408.59 597.60 Td (biological ) Tj ET Q q 0 0 0 rg BT 451.08 597.60 Td (and ) Tj ET Q q 0 0 0 rg BT 468.02 597.60 Td (other ) Tj ET Q q 0 0 0 rg BT 491.07 597.60 Td (forms ) Tj ET Q q 0 0 0 rg BT 516.90 597.60 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 585.60 Td (terrorism. ) Tj ET Q q 0 0 0 rg BT 93.47 585.60 Td (This agreement was renewed with the same conditions for 2019. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 561.60 Td (Events may occur which limit or eliminate the availability of catastrophic reinsurance coverage in future years.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 537.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 537.60 Td (e have a quota share reinsurance agreement under which we cede certain blocks of Unum US group long-term disability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 525.60 Td (claims. ) Tj ET Q q 0 0 0 rg BT 82.92 525.60 Td (The agreement is on a combination coinsurance with funds withheld and modified coinsurance basis and provides 90 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 513.60 Td (percent quota share reinsurance on the ceded claims, which was increased from 80 percent during 2018 on all ceded blocks of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 501.60 Td (business. ) Tj ET Q q 0 0 0 rg BT 90.71 501.60 Td (W) Tj ET Q q 0 0 0 rg BT 99.35 501.60 Td (e also have four reinsurance agreements that collectively cede approximately 55 percent of Unum US group life ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 489.60 Td (risk up to our per person retention limit for our U.S. insurance subsidiaries. ) Tj ET Q q 0 0 0 rg BT 355.10 489.60 Td (These reinsurance agreements for Unum US group ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 477.60 Td (disability and group life allow us to more ef) Tj ET Q q 0 0 0 rg BT 224.84 477.60 Td (fectively manage capital in conformity with statutory accounting principles but do ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 465.60 Td (not meet insurance risk transfer in accordance with applicable U.S. generally accepted accounting principles \(GAAP\) and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 453.60 Td (therefore are not accounted for as reinsurance in our consolidated GAAP) Tj ET Q q 0 0 0 rg BT 340.68 453.60 Td ( financial statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 429.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 429.60 Td (e also cede 30 percent of the risk for certain blocks of recently issued Unum US individual disability policies, as well as some ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 417.60 Td (related claims development risk for a limited period of time. ) Tj ET Q q 0 0 0 rg BT 295.35 417.60 Td (The agreement is on a non-proportional modified coinsurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 405.60 Td (basis with a provision for experience refunds. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 381.60 Td (Certain of our domestic insurance subsidiaries cede blocks of business to Northwind Reinsurance Company \(Northwind Re\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 369.60 Td (and Fairwind Insurance Company \(Fairwind\), both of which are af) Tj ET Q q 0 0 0 rg BT 315.91 369.60 Td (filiated captive reinsurance subsidiaries \(captive reinsurers\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 357.60 Td (domiciled in the United States, with Unum Group as the ultimate parent. ) Tj ET Q q 0 0 0 rg BT 344.54 357.60 Td (These captive reinsurers were established for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 345.60 Td (limited purpose of reinsuring risks attributable to specified policies issued or reinsured by our insurance subsidiaries in order to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 333.60 Td (ef) Tj ET Q q 0 0 0 rg BT 57.09 333.60 Td (fectively manage risks in connection with certain blocks of our business as well as to enhance our capital ef) Tj ET Q q 0 0 0 rg BT 487.32 333.60 Td (ficiency) Tj ET Q q 0 0 0 rg BT 518.88 333.60 Td (. On a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 321.60 Td (consolidated reporting basis for Unum Group, financial statement impacts of our reinsurance arrangements with af) Tj ET Q q 0 0 0 rg BT 507.79 321.60 Td (filiates are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 309.60 Td (eliminated in accordance with GAAP) Tj ET Q q 0 0 0 rg BT 198.34 309.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 285.60 Td (For further discussion of our reinsurance activities, refer to "Risk Factors" contained herein in Item 1A; "Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 273.60 Td (Operating Results," "Segment Results," and "Liquidity and Capital Resources - Cash ) Tj ET Q q 0 0 0 rg BT 391.06 273.60 Td (A) Tj ET Q q 0 0 0 rg BT 397.54 273.60 Td (vailable from Subsidiaries" contained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 261.60 Td (herein in Item 7, and Notes 1, 12, and 15 of the "Notes to Consolidated Financial Statements" contained herein in Item 8. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 237.60 Td (Reserves for) Tj ET Q q 0 0 0 rg BT 102.35 237.60 Td ( Policy and Contract Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 213.60 Td (The applicable insurance laws under which insurance companies operate require that they report, as liabilities, policy reserves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 201.60 Td (to meet future obligations on their outstanding policies. ) Tj ET Q q 0 0 0 rg BT 275.95 201.60 Td (These reserves are the amounts which, with the additional premiums to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 189.60 Td (be received and interest thereon compounded annually at certain assumed rates, are calculated to be suf) Tj ET Q q 0 0 0 rg BT 462.47 189.60 Td (ficient to meet the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 177.60 Td (various policy and contract obligations as they mature. ) Tj ET Q q 0 0 0 rg BT 273.15 177.60 Td (These laws specify that the reserves shall not be less than reserves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 165.60 Td (calculated using certain specified mortality and morbidity tables, interest rates, and methods of valuation required for statutory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 153.60 Td (accounting. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 129.60 Td (The reserves reported in our financial statements contained herein are calculated in conformity with GAAP) Tj ET Q q 0 0 0 rg BT 477.86 129.60 Td ( and dif) Tj ET Q q 0 0 0 rg BT 508.23 129.60 Td (fer from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 117.60 Td (those specified by the laws of the various states and reported in the statutory financial statements of our life insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 105.60 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 104.04 105.60 Td (These dif) Tj ET Q q 0 0 0 rg BT 141.34 105.60 Td (ferences result from the use of mortality and morbidity tables and interest assumptions which we believe ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 93.60 Td (are more representative of the expected experience for these policies than those required for statutory accounting purposes and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 81.60 Td (also result from dif) Tj ET Q q 0 0 0 rg BT 125.69 81.60 Td (ferences in actuarial reserving methods. ) Tj ET Q endstream endobj 31 0 obj <> endobj 32 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.15 33.60 Td (1) Tj ET Q q 0 0 0 rg BT 305.78 33.60 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (The assumptions we use to calculate our reserves are intended to represent an estimate of experience for the period that policy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (benefits are payable. If actual experience is equal, or favorable, to our reserve assumptions, then reserves should be adequate to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (provide for future benefits and expenses. If experience is less favorable than the reserve assumptions, additional reserves may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (be required. ) Tj ET Q q 0 0 0 rg BT 102.07 699.60 Td (The key experience assumptions include claim incidence rates, claim resolution rates, mortality and morbidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (rates, policy persistency) Tj ET Q q 0 0 0 rg BT 145.21 687.60 Td (, interest rates, premium rate increases, and any applicable policy benefit of) Tj ET Q q 0 0 0 rg BT 447.13 687.60 Td (fsets, including those for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (social security and other government-based welfare benefits. ) Tj ET Q q 0 0 0 rg BT 297.28 675.60 Td (W) Tj ET Q q 0 0 0 rg BT 305.92 675.60 Td (e periodically review our experience and update our policy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (reserves for new issues and reserves for all claims incurred, as we believe appropriate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (The consolidated statements of income include the annual change in reserves for future policy and contract benefits. ) Tj ET Q q 0 0 0 rg BT 518.87 639.60 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (change reflects a normal accretion for premium payments and interest buildup and decreases for policy terminations such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (lapses, deaths, and benefit payments. If policy reserves using best estimate assumptions as of the date of a test for loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (recognition are higher than existing policy reserves net of any deferred acquisition costs, the increase in reserves necessary to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (recognize the deficiency is also included in the change in reserves for future policy and contract benefits. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (For further discussion of reserves, refer to "Risk Factors" contained herein in Item 1A, "Critical ) Tj ET Q q 0 0 0 rg BT 434.15 567.60 Td (Accounting Estimates" and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (discussion of segment operating results included in "Management's Discussion and ) Tj ET Q q 0 0 0 rg BT 383.67 555.60 Td (Analysis of Financial Condition and Results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (of Operations" contained herein in Item 7, and Notes 1 and 6 of the "Notes to Consolidated Financial Statements" contained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (herein in Item 8. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (Investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (Investment activities are an integral part of our business, and profitability is significantly af) Tj ET Q q 0 0 0 rg BT 414.77 483.60 Td (fected by investment results. ) Tj ET Q q 0 0 0 rg BT 534.01 483.60 Td (W) Tj ET Q q 0 0 0 rg BT 542.64 483.60 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (segment our invested assets into portfolios that support our various product lines. Generally) Tj ET Q q 0 0 0 rg BT 418.23 471.60 Td (, our investment strategy for our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (portfolios is to match the ef) Tj ET Q q 0 0 0 rg BT 159.57 459.60 Td (fective asset cash flows and durations with related expected liability cash flows and durations to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (consistently meet the liability funding requirements of our businesses. ) Tj ET Q q 0 0 0 rg BT 334.54 447.60 Td (W) Tj ET Q q 0 0 0 rg BT 343.18 447.60 Td (e seek to earn investment income while assuming ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (credit risk in a prudent and selective manner) Tj ET Q q 0 0 0 rg BT 226.53 435.60 Td (, subject to constraints of quality) Tj ET Q q 0 0 0 rg BT 356.41 435.60 Td (, liquidity) Tj ET Q q 0 0 0 rg BT 394.66 435.60 Td (, diversification, and regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (considerations. Our overall investment philosophy is to invest in a portfolio of high quality assets that provide investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (returns consistent with that assumed in the pricing of our insurance products. ) Tj ET Q q 0 0 0 rg BT 361.66 411.60 Td (Assets are invested predominately in fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (maturity securities. Changes in interest rates may af) Tj ET Q q 0 0 0 rg BT 258.98 399.60 Td (fect the amount and timing of cash flows. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 375.60 Td (e actively manage our asset and liability cash flow match and our asset and liability duration match to limit interest rate risk. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 363.60 Td (e may redistribute investments among our dif) Tj ET Q q 0 0 0 rg BT 239.58 363.60 Td (ferent lines of business, when necessary) Tj ET Q q 0 0 0 rg BT 398.88 363.60 Td (, to adjust the cash flow and/or duration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (of the asset portfolios to better match the cash flow and duration of the liability portfolios. ) Tj ET Q q 0 0 0 rg BT 414.42 351.60 Td (Asset and liability portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (modeling is updated on a quarterly basis and is used as part of the overall interest rate risk management strategy) Tj ET Q q 0 0 0 rg BT 496.77 339.60 Td (. Cash flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (from the in-force asset and liability portfolios are projected at current interest rate levels and also at levels reflecting an increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (and a decrease in interest rates to obtain a range of projected cash flows under the dif) Tj ET Q q 0 0 0 rg BT 389.73 315.60 Td (ferent interest rate scenarios. ) Tj ET Q q 0 0 0 rg BT 509.50 315.60 Td (These results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (enable us to assess the impact of projected changes in cash flows and duration resulting from potential changes in interest rates. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (T) Tj ET Q q 0 0 0 rg BT 54.91 291.60 Td (esting the asset and liability portfolios under various interest rate scenarios enables us to choose what we believe to be the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (most appropriate investment strategy) Tj ET Q q 0 0 0 rg BT 196.87 279.60 Td (, as well as to limit the risk of disadvantageous outcomes. ) Tj ET Q q 0 0 0 rg BT 431.83 279.60 Td (Although we test the asset and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (liability portfolios under various interest rate scenarios as part of our modeling, the majority of our liabilities related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (insurance contracts are not interest rate sensitive, and we therefore have minimal exposure to policy withdrawal risk. Our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (determination of investment strategy relies on long-term measures such as reserve adequacy analysis and the relationship ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (between the portfolio yields supporting our various product lines and the aggregate discount rate assumptions embedded in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (reserves. ) Tj ET Q q 0 0 0 rg BT 89.58 219.60 Td (W) Tj ET Q q 0 0 0 rg BT 98.22 219.60 Td (e also use this analysis in determining hedging strategies and utilizing derivative financial instruments for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (managing interest rate risk and the risk related to matching duration for our assets and liabilities. ) Tj ET Q q 0 0 0 rg BT 440.32 207.60 Td (W) Tj ET Q q 0 0 0 rg BT 448.96 207.60 Td (e do not use derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (financial instruments for speculative purposes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.60 Td (Refer to "Risk Factors" contained herein in Item 1A; "Critical ) Tj ET Q q 0 0 0 rg BT 298.91 171.60 Td (Accounting Estimates" and the discussion of investments in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td ("Management's Discussion and ) Tj ET Q q 0 0 0 rg BT 176.76 159.60 Td (Analysis of Financial Condition and Results of Operations" contained herein in Item 7; and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (Notes 1, 2, 3, and 4 of the "Notes to Consolidated Financial Statements" contained herein in Item 8 for information on our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.60 Td (investments and derivative financial instruments.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (Ratings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.60 Td (AM Best, Fitch Ratings \(Fitch\), Moody's Investors Service \(Moody's\), and Standard & Poor's Ratings Services \(S&P\) are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.60 Td (among the third parties that assign issuer credit ratings to Unum Group and financial strength ratings to our insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.60 Td (subsidiaries. Issuer credit ratings reflect an agency's opinion of the overall financial capacity of a company to meet its senior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 51.60 Td (debt obligations. Financial strength ratings are specific to each individual insurance subsidiary and reflect each rating agency's ) Tj ET Q endstream endobj 33 0 obj <> endobj 34 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (view of the overall financial strength \(capital levels, earnings, growth, investments, business mix, operating performance, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (market position\) of the insuring entity and its ability to meet its obligations to policyholders. Both the issuer credit ratings and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (financial strength ratings incorporate quantitative and qualitative analyses by rating agencies and are routinely reviewed and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (updated on an ongoing basis.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (Rating agencies assign an outlook statement of "positive," "negative," or "developing" to indicate an intermediate-term trend in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (credit fundamentals which could lead to a rating change. "Positive" means that a rating may be raised, "negative" means that a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (rating may be lowered, and "developing" means that a rating may be raised or lowered with equal probability) Tj ET Q q 0 0 0 rg BT 485.76 651.60 Td (. ) Tj ET Q q 0 0 0 rg BT 492.71 651.60 Td (Alternatively) Tj ET Q q 0 0 0 rg BT 544.82 651.60 Td (, a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (rating may have a "stable" outlook to indicate that the rating is not expected to change. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td ("Credit watch" or "under review" highlights the potential direction of a short-term or long-term rating. It focuses on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (identifiable events and short-term trends that cause a rating to be placed under heightened surveillance by a rating agency) Tj ET Q q 0 0 0 rg BT 534.77 603.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (Events that may trigger this action include mer) Tj ET Q q 0 0 0 rg BT 236.77 591.60 Td (gers, acquisitions, recapitalizations, regulatory actions, criteria changes, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (operating developments. Ratings may be placed on credit watch or under review when an event or a change in an expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (trend occurs and additional information is needed to evaluate the current rating level. ) Tj ET Q q 0 0 0 rg BT 394.47 567.60 Td (This status does not mean that a rating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (change is inevitable, and ratings may change without first being placed on a watch list. ) Tj ET Q q 0 0 0 rg BT 401.07 555.60 Td (A) Tj ET Q q 0 0 0 rg BT 407.74 555.60 Td ( rating is not a recommendation to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (buy) Tj ET Q q 0 0 0 rg BT 63.85 543.60 Td (, sell, or hold securities and may be subject to revision or withdrawal at any time by the rating agency) Tj ET Q q 0 0 0 rg BT 469.48 543.60 Td (. Each rating should ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (be evaluated independently of any other rating. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (See "Management's Discussion and ) Tj ET Q q 0 0 0 rg BT 193.69 507.60 Td (Analysis of Financial Condition and Results of Operations - Ratings" contained herein in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (Item 7 for our current outlook, issuer credit, and financial strength ratings. See also further discussion in "Risk Factors" ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (contained herein in Item 1A.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (Competition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (There is significant competition among insurance companies for the types of products we sell. ) Tj ET Q q 0 0 0 rg BT 430.88 435.60 Td (W) Tj ET Q q 0 0 0 rg BT 439.52 435.60 Td (e are operating in a dynamic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (competitive environment of both traditional and non-traditional competitors, with changes in product of) Tj ET Q q 0 0 0 rg BT 464.50 423.60 Td (ferings, enrollment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (services, and technology solutions. ) Tj ET Q q 0 0 0 rg BT 194.02 411.60 Td (W) Tj ET Q q 0 0 0 rg BT 202.65 411.60 Td (e believe that the principal competitive factors af) Tj ET Q q 0 0 0 rg BT 398.22 411.60 Td (fecting our business are price, quality of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (the customer experience regarding service and claims management, integrated product choices, enrollment capabilities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (financial strength ratings, and claims-paying ratings. In the individual and group disability markets, we compete in the United ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (States with a number of major companies and regionally with other companies of) Tj ET Q q 0 0 0 rg BT 374.79 375.60 Td (fering specialty products. Our principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (competitors for our other products, including group life and the product of) Tj ET Q q 0 0 0 rg BT 346.47 363.60 Td (ferings sold to groups of employees through payroll ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (deduction, include the lar) Tj ET Q q 0 0 0 rg BT 150.95 351.60 Td (gest insurance companies in the United States. Some of these companies have more competitive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (pricing or have higher claims-paying ratings. Some may also have greater financial resources with which to compete. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (In both the United Kingdom and Poland,we compete for the individualandgroupproducts we sell with a mix of lar) Tj ET Q q 0 0 0 rg BT 514.22 315.60 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (internationally recognized providers and strong local carriers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 279.60 Td (e believe the need for the types of products we of) Tj ET Q q 0 0 0 rg BT 255.11 279.60 Td (fer is significant. Individuals and families often live paycheck to paycheck ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (with a considerable chance of being out of work. Pressure is also mounting on governments as to the sustainability of public ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (assistance. Based on current penetration levels, we believe there is substantial upside growth potential.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (All areas of the employee benefits markets are highly competitive due to the yearly renewable term nature of our products and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (the lar) Tj ET Q q 0 0 0 rg BT 74.58 219.60 Td (ge number of insurance companies of) Tj ET Q q 0 0 0 rg BT 224.63 219.60 Td (fering products in this market. ) Tj ET Q q 0 0 0 rg BT 350.25 219.60 Td (There is a risk that our customers may be able to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (obtain more favorable terms or improved technology solutions from competitors in lieu of renewing coverage with us. ) Tj ET Q q 0 0 0 rg BT 527.25 207.60 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (ef) Tj ET Q q 0 0 0 rg BT 57.09 195.60 Td (fect of competition may) Tj ET Q q 0 0 0 rg BT 152.24 195.60 Td (, as a result, adversely af) Tj ET Q q 0 0 0 rg BT 250.63 195.60 Td (fect the persistency of these and other products, as well as our ability to sell ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (products in the future.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 159.60 Td (e must attract and retain independent agents and brokers to actively market our products. Strong competition exists among ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (insurers for agents and brokers. ) Tj ET Q q 0 0 0 rg BT 180.12 147.60 Td (W) Tj ET Q q 0 0 0 rg BT 188.75 147.60 Td (e compete with other insurers for sales agents and brokers primarily on the basis of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.60 Td (product of) Tj ET Q q 0 0 0 rg BT 90.70 135.60 Td (ferings, financial strength, support services, and compensation. Sales of our products could be materially adversely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.60 Td (af) Tj ET Q q 0 0 0 rg BT 57.09 123.60 Td (fected if we are unsuccessful in attracting and retaining agents and brokers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (For further discussion, refer to "Risk Factors" contained herein in Item 1A.) Tj ET Q endstream endobj 35 0 obj <> endobj 36 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (13) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 735.75 Td (Regulation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.17 735.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 711.75 Td (e and our subsidiaries are subject to extensive and comprehensive supervision and regulation in the United States, the United ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.75 Td (Kingdom, and Poland. ) Tj ET Q q 0 0 0 rg BT 144.31 699.75 Td (The laws and regulations with which we must comply are complex and subject to change. New or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.75 Td (existing laws and regulations may become more restrictive or otherwise adversely af) Tj ET Q q 0 0 0 rg BT 387.82 687.75 Td (fect our operations. ) Tj ET Q q 0 0 0 rg BT 469.73 687.75 Td (As a result of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.75 Td (financial market and economic challenges in recent years, regulation and the cost of compliance with regulation has continued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.75 Td (to increase.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 639.75 Td (Insurance Regulation and Oversight) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.75 Td (Our U.S. insurance subsidiaries are subject to regulation and oversight by insurance regulatory authorities in the jurisdictions in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.75 Td (which they do business and by the U.S. Department of Labor \(DOL\) on a national basis, primarily for the protection of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.75 Td (policyholders. State insurance regulators in the U.S. generally have broad powers with respect to all aspects of the insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.75 Td (business, including the power to: license and examine insurance companies; regulate and supervise sales practices and market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.75 Td (conduct; license agents and brokers; approve policy forms; approve premium rates and subsequent increases thereon for certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.75 Td (insurance products; establish reserve requirements and solvency standards; place limitations on shareholder dividends; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.75 Td (prescribe the form and content of required financial statements and reports; regulate the types and amounts of permitted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.75 Td (investments; and regulate reinsurance transactions. Our U.S. insurance subsidiaries are examined periodically by their states of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.75 Td (domicile and by other states in which they are licensed to conduct business. ) Tj ET Q q 0 0 0 rg BT 356.74 519.75 Td (The domestic examinations have traditionally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.75 Td (emphasized financial matters from the perspective of protection of policyholders, but they can and have covered other subjects ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.75 Td (that an examining state may be interested in reviewing, such as market conduct issues. Examinations in other states more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.75 Td (typically focus on market conduct, such as a review of sales practices, including the content and use of advertising materials ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.75 Td (and the licensing and appointing of agents and brokers, as well as underwriting, claims, and customer service practices, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.75 Td (identification and handling of unclaimed property to determine compliance with state laws. Our U.S. insurance subsidiaries are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.75 Td (also subject to assessments by state insurance guaranty associations to cover the proportional cost of insolvent or failed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.75 Td (insurers. ) Tj ET Q q 0 0 0 rg BT 88.48 435.75 Td (The DOL) Tj ET Q q 0 0 0 rg BT 126.71 435.75 Td ( enforces a comprehensive federal statute which regulates claims paying fiduciary responsibilities and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.75 Td (reporting and disclosure requirements for most employee benefit plans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.75 Td (Our U.K. insurance subsidiary) Tj ET Q q 0 0 0 rg BT 170.77 399.75 Td (, Unum Limited, is subject to dual regulation by the Prudential Regulation ) Tj ET Q q 0 0 0 rg BT 469.61 399.75 Td (Authority \(PRA\) and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.75 Td (the Financial Conduct ) Tj ET Q q 0 0 0 rg BT 139.76 387.75 Td (Authority \(FCA\). ) Tj ET Q q 0 0 0 rg BT 214.58 387.75 Td (The PRA) Tj ET Q q 0 0 0 rg BT 251.53 387.75 Td ( oversees the financial health and stability of financial services firms and is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.75 Td (responsible for the prudential regulation and day-to-day supervision of insurance companies. ) Tj ET Q q 0 0 0 rg BT 425.60 375.75 Td (The FCA) Tj ET Q q 0 0 0 rg BT 462.55 375.75 Td ( seeks to protect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.75 Td (consumers and oversees financial services products and practices, including those governing insurance companies in the U.K.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.75 Td (In June 2016, the U.K. held a referendum and voted to leave the European Union \(EU\). ) Tj ET Q q 0 0 0 rg BT 403.93 339.75 Td (The U.K. subsequently invoked ) Tj ET Q q 0 0 0 rg BT 532.80 339.75 Td (Article ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.75 Td (50 of the ) Tj ET Q q 0 0 0 rg BT 87.37 327.75 Td (T) Tj ET Q q 0 0 0 rg BT 93.12 327.75 Td (reaty and is due to leave the EU on March 29, 2019. ) Tj ET Q q 0 0 0 rg BT 306.49 327.75 Td (The U.K.'s decision to leave the EU may add cost and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.75 Td (complexity to our compliance ef) Tj ET Q q 0 0 0 rg BT 179.28 315.75 Td (forts if new laws and regulations are established that significantly diver) Tj ET Q q 0 0 0 rg BT 464.57 315.75 Td (ge from those currently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.75 Td (in place, however) Tj ET Q q 0 0 0 rg BT 119.90 303.75 Td (, we are not aware of any indications of such changes in the short-term and do not expect significant changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.75 Td (over the longer term. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.75 Td (Our Polish insurance subsidiary) Tj ET Q q 0 0 0 rg BT 176.34 267.75 Td (, Unum Poland, is subject to regulation by the Komisja Nadzoru Finansowego \(KNF\) of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.75 Td (Financial Supervision ) Tj ET Q q 0 0 0 rg BT 138.94 255.75 Td (Authority \(FSA\) in Poland. ) Tj ET Q q 0 0 0 rg BT 253.21 255.75 Td (The KNF oversees the financial health and stability of financial services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.75 Td (firms and is responsible for the prudential regulation and day-to-day supervision of insurance companies and other financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.75 Td (institutions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.75 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 207.75 Td (Capital Requirements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.75 Td (Risk-based capital \(RBC\) standards for U.S. life insurance companies are prescribed by the National ) Tj ET Q q 0 0 0 rg BT 453.83 183.75 Td (Association of Insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.75 Td (Commissioners \(NAIC\). ) Tj ET Q q 0 0 0 rg BT 152.65 171.75 Td (The domiciliary states of our U.S. insurance subsidiaries have all adopted a version of the NAIC RBC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.75 Td (Model ) Tj ET Q q 0 0 0 rg BT 77.56 159.75 Td (Act, which prescribes a system for assessing the adequacy of statutory capital and surplus for all life and health insurers. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.75 Td (The basis of the system is a risk-based formula that applies prescribed factors to the various risk elements in a life and health ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.75 Td (insurer's business to report a minimum capital requirement proportional to the amount of risk assumed by the insurer) Tj ET Q q 0 0 0 rg BT 515.93 135.75 Td (. ) Tj ET Q q 0 0 0 rg BT 523.25 135.75 Td (The life ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.75 Td (and health RBC formula is designed to measure annually \(i\) the risk of loss from asset defaults and asset value fluctuations, \(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.75 Td (the risk of loss from adverse mortality and morbidity experience, \(iii\) the risk of loss from mismatching of asset and liability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.75 Td (cash flow due to changing interest rates, and \(iv\) business risks. ) Tj ET Q q 0 0 0 rg BT 309.26 99.75 Td (The formula is used as an early warning tool to identify ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.75 Td (companies that are potentially inadequately capitalized. ) Tj ET Q q 0 0 0 rg BT 276.45 87.75 Td (The formula is intended to be used as a regulatory tool only and is not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.75 Td (intended as a means to rank insurers generally) Tj ET Q q 0 0 0 rg BT 233.51 75.75 Td (. ) Tj ET Q q 0 0 0 rg BT 240.83 75.75 Td (The NAIC modified the RBC factors in 2018 to reflect the lower U.S. statutory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.75 Td (income tax rate that was enacted in 2017 which resulted in lower RBC ratios for our U.S. insurance subsidiaries, including our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 51.75 Td (captive reinsurers, as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.96 51.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.54 51.75 Td (. ) Tj ET Q q 0 0 0 rg BT 232.49 51.75 Td (Although the RBC ratios for our insurance subsidiaries are lower than the prior ) Tj ET Q endstream endobj 37 0 obj <> endobj 38 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (year) Tj ET Q q 0 0 0 rg BT 66.31 735.60 Td (, the ratios continue to remain in line with our expectations and are significantly above the level that would require state ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (regulatory action. ) Tj ET Q q 0 0 0 rg BT 124.85 723.60 Td (The NAIC has also issued a proposal to implement a new and more granular RBC structure for fixed income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (asset capital char) Tj ET Q q 0 0 0 rg BT 117.62 711.60 Td (ges. ) Tj ET Q q 0 0 0 rg BT 138.26 711.60 Td (The proposed structure will expand the fixed income asset designations from six to 20 categories and will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (revise factor values. ) Tj ET Q q 0 0 0 rg BT 134.56 699.60 Td (W) Tj ET Q q 0 0 0 rg BT 143.20 699.60 Td (e do not anticipate that the new structure related to fixed income assets will be ef) Tj ET Q q 0 0 0 rg BT 466.51 699.60 Td (fective before year end ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (2019. ) Tj ET Q q 0 0 0 rg BT 76.82 687.60 Td (W) Tj ET Q q 0 0 0 rg BT 85.46 687.60 Td (e will continue to monitor the NAIC's activities on this issue. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (The NAIC continues to review the state-based solvency regulation framework to identify opportunities to respond to national ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (and international insurance regulatory and solvency developments. ) Tj ET Q q 0 0 0 rg BT 321.73 651.60 Td (The topics of its review include capital requirements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (governance and risk management, statutory accounting and financial reporting, and reinsurance. ) Tj ET Q q 0 0 0 rg BT 438.89 639.60 Td (This ongoing review will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (likely result in significant changes to U.S. insurance regulation and solvency standards, including those for our U.S. insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (subsidiaries. One of the outcomes of the NAIC's review was the adoption of the NAIC Risk Management and Own Risk and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (Solvency ) Tj ET Q q 0 0 0 rg BT 88.67 603.60 Td (Assessment \(ORSA\) Model ) Tj ET Q q 0 0 0 rg BT 202.28 603.60 Td (Act which, following enactment at the state level, requires insurers to provide, at least ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (annually) Tj ET Q q 0 0 0 rg BT 83.28 591.60 Td (, a group-level perspective on the risks of the current and future business plans and the suf) Tj ET Q q 0 0 0 rg BT 443.83 591.60 Td (ficiency of capital to support ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (those risks. ) Tj ET Q q 0 0 0 rg BT 98.95 579.60 Td (All states where our traditional U.S. insurance subsidiaries are domiciled have enacted ORSA) Tj ET Q q 0 0 0 rg BT 473.85 579.60 Td ( requirements, and we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (file an ORSA) Tj ET Q q 0 0 0 rg BT 103.39 567.60 Td ( summary report annually with the applicable insurance regulators. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (The NAIC has established a working group char) Tj ET Q q 0 0 0 rg BT 242.88 543.60 Td (ged with ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.06666666666666667 0.06666666666666667 0.06666666666666667 rg BT 280.10 543.60 Td (developing a group capital calculation that can be used by regulators ) Tj ET Q BT /F1 10.00 Tf ET q 0.06666666666666667 0.06666666666666667 0.06666666666666667 rg BT 49.50 531.60 Td (as a baseline quantitative measure in assessing the risks and financial position of insurance groups. ) Tj ET Q q 0.06666666666666667 0.06666666666666667 0.06666666666666667 rg BT 449.50 531.60 Td (The initial recommendation ) Tj ET Q BT /F1 10.00 Tf ET q 0.06666666666666667 0.06666666666666667 0.06666666666666667 rg BT 49.50 519.60 Td (for calculation is an RBC aggregation approach that would utilize existing regulatory calculations for legal entities within the ) Tj ET Q BT /F1 10.00 Tf ET q 0.06666666666666667 0.06666666666666667 0.06666666666666667 rg BT 49.50 507.60 Td (group. Items still under development include the scope of the group of legal entities that would be subject to the calculation as ) Tj ET Q BT /F1 10.00 Tf ET q 0.06666666666666667 0.06666666666666667 0.06666666666666667 rg BT 49.50 495.60 Td (well as factors to be used for non-insurance entities and non-U.S. insurance entities within the group. It is too early to predict ) Tj ET Q BT /F1 10.00 Tf ET q 0.06666666666666667 0.06666666666666667 0.06666666666666667 rg BT 49.50 483.60 Td (what, if any) Tj ET Q q 0.06666666666666667 0.06666666666666667 0.06666666666666667 rg BT 96.34 483.60 Td (, impact this will have on our capital requirements.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 49.50 459.60 Td (The NAIC has adopted a valuation manual containing a principles-based approach to life insurance company reserves. ) Tj ET Q q 0 0 0 rg BT 528.04 459.60 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (ef) Tj ET Q q 0 0 0 rg BT 57.09 447.60 Td (fective date to begin a three-year implementation period was January 2017 and applies only to new business. ) Tj ET Q q 0 0 0 rg BT 497.05 447.60 Td (The adoption of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (this valuation manual has not had a material impact on our statutory reserves. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (In 2012, the NAIC established a subgroup to study the insurance industry's use of captive reinsurers and special purpose ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (vehicles to transfer insurance risk and is considering ways to promote uniformity in both the approval and supervision of such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (reinsurers. More recently) Tj ET Q q 0 0 0 rg BT 152.14 387.60 Td (, the NAIC adopted a proposal to subject certain captive reinsurers and special purpose vehicles to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (same capital requirements as traditional insurers. ) Tj ET Q q 0 0 0 rg BT 249.44 375.60 Td (As the NAIC and state insurance regulators continue to examine the use of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (captive insurance companies to finance reserves required under current regulations, we cannot predict the ultimate outcome of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (their work, or how long or extensively they will continue to focus on this issue. ) Tj ET Q q 0 0 0 rg BT 371.12 351.60 Td (Although we believe it to be unlikely) Tj ET Q q 0 0 0 rg BT 519.33 351.60 Td (, a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (potential outcome of future NAIC decisions from its various committees, task forces, and working groups is that companies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (could be prohibited from using captive reinsurers. No changes in the use or regulation of captive reinsurers have been proposed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (by the NAIC, and we are unable to predict the extent of any changes that might be made. ) Tj ET Q q 0 0 0 rg BT 409.66 315.60 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 459.00 315.60 Td (, we expect to continue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (our strategy of using captive reinsurers to manage risks and enhance capital ef) Tj ET Q q 0 0 0 rg BT 361.98 303.60 Td (ficiency while monitoring the NAIC's study and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (proposed changes in regulations. See "Reinsurance" contained herein in this Item 1 for further discussion.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (The PRA) Tj ET Q q 0 0 0 rg BT 86.45 267.60 Td ( has statutory requirements, including capital adequacy and liquidity requirements and minimum solvency mar) Tj ET Q q 0 0 0 rg BT 528.93 267.60 Td (gins, to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (which Unum Limited must adhere as part of the provisions of Solvency II, an EU directive that prescribes capital requirements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (and risk management standards for the European insurance industry) Tj ET Q q 0 0 0 rg BT 320.43 243.60 Td (. Our European holding company is also subject to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (Solvency II requirements relevant to insurance holding companies, while its subsidiaries, which includes Unum Limited, are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (subject to group supervision under Solvency II. ) Tj ET Q q 0 0 0 rg BT 244.01 219.60 Td (The Unum European Economic ) Tj ET Q q 0 0 0 rg BT 372.86 219.60 Td (Area \(EEA\) Group, which is comprised of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (European holding company and its subsidiaries, received approval from the PRA) Tj ET Q q 0 0 0 rg BT 373.04 207.60 Td ( to use its own internal model for calculating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (regulatory capital and also received approval for certain associated regulatory permissions including transitional relief as the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (Solvency II capital regime is implemented. ) Tj ET Q q 0 0 0 rg BT 226.12 183.60 Td (Although there are currently no indications that the regulatory capital regime for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.60 Td (our U.K. operations will change due to the U.K.'s decision to leave the EU, it remains too early to predict what, if any) Tj ET Q q 0 0 0 rg BT 519.97 171.60 Td (, impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td (this may have on existing capital requirements for our U.K. entities, but economic conditions may cause volatility in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (solvency ratios.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.60 Td (The International ) Tj ET Q q 0 0 0 rg BT 120.58 123.60 Td (Association of Insurance Supervisors \(IAIS\) is developing a Common Framework \(ComFrame\) for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (supervision of internationally active insurance groups \(IAIGs\) that contemplates group-wide supervision across national ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.60 Td (boundaries, including uniform standards for insurer corporate governance and enterprise risk management, a framework for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.60 Td (group capital adequacy assessment that accounts for group-wide risks, and the establishment of ongoing supervisory colleges. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 75.60 Td (e do not qualify as an IAIG under the current criteria for designating an IAIG. However) Tj ET Q q 0 0 0 rg BT 411.22 75.60 Td (, we monitor the activities of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.60 Td (IAIS for the potential that ComFrame could apply to us in the future. ) Tj ET Q q 0 0 0 rg BT 330.10 63.60 Td (The IAIS expects to implement an Insurance Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 51.60 Td (Standard in the form of confidential reporting to supervisory colleges by the end of 2019. ) Tj ET Q q 0 0 0 rg BT 411.36 51.60 Td (At this time, we cannot predict what, ) Tj ET Q endstream endobj 39 0 obj <> endobj 40 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (if any) Tj ET Q q 0 0 0 rg BT 71.90 735.60 Td (, additional capital requirements, compliance costs, or other requirements this proposed standard might impose on us, if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (adopted.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (See further discussion in "Risk Factors" contained herein in Item 1A) Tj ET Q q 0 0 0 rg BT 323.17 699.60 Td ( and "Liquidity and Capital Resources" contained herein in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (Item 7 and Note 15 of the "Notes to Consolidated Financial Statements" contained herein in Item 8. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 663.60 Td (Insurance Holding Company Regulation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 639.60 Td (e and our U.S. insurance subsidiaries \(excluding captive reinsurers\) are subject to regulation under the insurance holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (company laws in the states in which our insurance subsidiaries are domiciled, which currently include Maine, Massachusetts, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (New ) Tj ET Q q 0 0 0 rg BT 70.51 615.60 Td (Y) Tj ET Q q 0 0 0 rg BT 76.73 615.60 Td (ork, South Carolina, and ) Tj ET Q q 0 0 0 rg BT 177.09 615.60 Td (T) Tj ET Q q 0 0 0 rg BT 182.50 615.60 Td (ennessee. ) Tj ET Q q 0 0 0 rg BT 225.36 615.60 Td (These laws generally require each insurance company that is domiciled in the state ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (and a member of an insurance holding company system to register with the insurance department of that state and to furnish at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (least annually financial and other information about the operations of companies within the holding company system, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (information concerning capital structure, ownership, management, financial condition, and certain intercompany transactions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (T) Tj ET Q q 0 0 0 rg BT 55.26 567.60 Td (ransactions between an insurer and af) Tj ET Q q 0 0 0 rg BT 205.29 567.60 Td (filiates in the holding company system generally must be fair and reasonable and, if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (material, require prior notice and approval by the domiciliary insurance regulator) Tj ET Q q 0 0 0 rg BT 373.54 555.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (In addition, such laws and regulations restrict the amount of dividends that may be paid by our insurance subsidiaries to their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (respective shareholders, including our Company and certain of our intermediate holding company subsidiaries. See further ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (discussion in "Risk Factors" contained herein in Item1A) Tj ET Q q 0 0 0 rg BT 276.52 507.60 Td ( and "Liquidity and Capital Resources - Cash ) Tj ET Q q 0 0 0 rg BT 459.46 507.60 Td (A) Tj ET Q q 0 0 0 rg BT 465.94 507.60 Td (vailable from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (Subsidiaries" contained herein in Item7.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (There are a number of proposals to amend state insurance laws and regulations in ways that could af) Tj ET Q q 0 0 0 rg BT 450.57 471.60 Td (fect us and our insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 104.04 459.60 Td (The NAIC has adopted or amended model laws on holding company regulation that provide for supervision of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (insurers at the corporate group level. ) Tj ET Q q 0 0 0 rg BT 200.93 447.60 Td (The various proposals to implement group supervision include uniform standards for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (insurer corporate governance, group-wide supervision of insurance holding companies, adjustments to RBC calculations to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (account for group-wide risks, and additional regulatory and disclosure requirements for insurance holding companies, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (a requirement that the ultimate controlling person of a U.S. insurer submit to the lead state insurance regulator an annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (enterprise risk report, which identifies activities, circumstances, or events involving one or more af) Tj ET Q q 0 0 0 rg BT 445.31 399.60 Td (filiates of an insurer that, if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (not remedied properly) Tj ET Q q 0 0 0 rg BT 137.71 387.60 Td (, are likely to have a material adverse ef) Tj ET Q q 0 0 0 rg BT 297.17 387.60 Td (fect upon the financial condition or liquidity of the insurer or its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (insurance holding company system as a whole. ) Tj ET Q q 0 0 0 rg BT 242.33 375.60 Td (The NAIC has adopted the Corporate Governance ) Tj ET Q q 0 0 0 rg BT 444.76 375.60 Td (Annual Disclosure Model ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (Act and the Corporate Governance ) Tj ET Q q 0 0 0 rg BT 190.83 363.60 Td (Annual Disclosure Model Regulation, which require U.S. insurers to disclose detailed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (information regarding their governance practices. ) Tj ET Q q 0 0 0 rg BT 252.29 351.60 Td (The model act and regulation must be adopted by individual state legislatures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (and insurance regulators in order to be ef) Tj ET Q q 0 0 0 rg BT 213.42 339.60 Td (fective in a particular state. ) Tj ET Q q 0 0 0 rg BT 326.42 339.60 Td (At this time, among the states in which our insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (subsidiaries are domiciled, the model act and regulation are ef) Tj ET Q q 0 0 0 rg BT 297.56 327.60 Td (fective only in Maine, Massachusetts, and ) Tj ET Q q 0 0 0 rg BT 467.89 327.60 Td (T) Tj ET Q q 0 0 0 rg BT 473.30 327.60 Td (ennessee. ) Tj ET Q q 0 0 0 rg BT 516.16 327.60 Td (The NAIC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (adopted the Insurance Data Security Model Law) Tj ET Q q 0 0 0 rg BT 242.67 315.60 Td (, which creates a legal framework that requires insurance companies to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (establish cybersecurity programs designed to protect the private data of consumers. ) Tj ET Q q 0 0 0 rg BT 387.27 303.60 Td (The law outlines planned cybersecurity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (testing, and the development of incident response plans for breach notification procedures. ) Tj ET Q q 0 0 0 rg BT 416.70 291.60 Td (The model law must be adopted by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (individual state legislatures and insurance regulators in order to be ef) Tj ET Q q 0 0 0 rg BT 325.34 279.60 Td (fective in particular state. ) Tj ET Q q 0 0 0 rg BT 431.40 279.60 Td (At this time, among the states in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (which our insurance subsidiaries are domiciled, the model law is ef) Tj ET Q q 0 0 0 rg BT 318.41 267.60 Td (fective only in South Carolina. ) Tj ET Q q 0 0 0 rg BT 446.26 267.60 Td (The New ) Tj ET Q q 0 0 0 rg BT 485.32 267.60 Td (Y) Tj ET Q q 0 0 0 rg BT 491.54 267.60 Td (ork State ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (Department of Financial Services has established similar regulations to this law which became ef) Tj ET Q q 0 0 0 rg BT 437.82 255.60 Td (fective in 2017 and the state of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (California has enacted the California Consumer Privacy ) Tj ET Q q 0 0 0 rg BT 275.27 243.60 Td (Act of 2018.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (The laws of most states, including the states in which our insurance subsidiaries are domiciled \(or deemed to be commercially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (domiciled\), require regulatory approval of a change in control of an insurance company or its holding company) Tj ET Q q 0 0 0 rg BT 493.98 207.60 Td (. ) Tj ET Q q 0 0 0 rg BT 501.30 207.60 Td (Where these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (laws apply to us, there can be no ef) Tj ET Q q 0 0 0 rg BT 190.11 195.60 Td (fective change in control of our Company or of any of our insurance subsidiaries unless the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (person seeking to acquire control has filed a statement containing specified information with the appropriate insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.60 Td (regulators and has obtained their prior approval of the proposed change. ) Tj ET Q q 0 0 0 rg BT 342.28 171.60 Td (The usual measure for a presumptive change of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td (control pursuant to these laws is the acquisition of 10 percent or more of the voting stock of an insurance company or its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (holding company) Tj ET Q q 0 0 0 rg BT 118.56 147.60 Td (, although this presumption is rebuttable. Consequently) Tj ET Q q 0 0 0 rg BT 341.50 147.60 Td (, a person acquiring 10 percent or more of the voting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.60 Td (stock of an insurance company or its holding company without the prior approval of the insurance regulators in the state\(s\) of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.60 Td (domicile of the insurance company\(ies\) sought to be acquired \(or whose holding company is sought to be acquired\) will be in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (violation of these laws. Such a person may also be subject to one or more of the following actions: \(i\)injunctive action ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.60 Td (requiring the disposition or seizure of those shares by the applicable insurance regulators; \(ii\)prohibition of voting of such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.60 Td (shares; and \(iii\)other actions determined by the relevant insurance regulators. Further) Tj ET Q q 0 0 0 rg BT 394.81 87.60 Td (, many states' insurance laws require that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.60 Td (prior notification be given to state insurance regulators of a change in control of a non-domiciled insurance company doing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.60 Td (business in the state. ) Tj ET Q q 0 0 0 rg BT 136.53 63.60 Td (These pre-notification statutes do not authorize the state insurance regulators to disapprove the change in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 51.60 Td (control; however) Tj ET Q q 0 0 0 rg BT 117.13 51.60 Td (, they do authorize regulatory action in the af) Tj ET Q q 0 0 0 rg BT 297.16 51.60 Td (fected state if particular conditions exist, such as undue market ) Tj ET Q endstream endobj 41 0 obj <> endobj 42 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (concentration. ) Tj ET Q q 0 0 0 rg BT 110.87 735.60 Td (Any future transactions that would constitute a change in control of our Company or of any of our insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (subsidiaries may require prior notification in those states that have adopted pre-notification laws. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (These laws may discourage potential acquisition proposals and may delay) Tj ET Q q 0 0 0 rg BT 344.60 699.60 Td (, deter) Tj ET Q q 0 0 0 rg BT 369.19 699.60 Td (, or prevent a change in control of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (Company) Tj ET Q q 0 0 0 rg BT 87.74 687.60 Td (, including through transactions, and in particular unsolicited transactions, that some or all of our shareholders might ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (consider to be desirable. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 651.60 Td (Federal Laws and Regulations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (Enacted in 2010, the Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 185.40 627.60 Td (W) Tj ET Q q 0 0 0 rg BT 194.04 627.60 Td (all Street Reform and Consumer Protection ) Tj ET Q q 0 0 0 rg BT 369.00 627.60 Td (Act \(Dodd-Frank\) ef) Tj ET Q q 0 0 0 rg BT 451.57 627.60 Td (fected comprehensive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (changes to the regulation of financial services in the United States. Dodd-Frank directed various government agencies and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (bodies to promulgate regulations implementing the law) Tj ET Q q 0 0 0 rg BT 269.92 603.60 Td (, many of which remain to be completed. ) Tj ET Q q 0 0 0 rg BT 438.48 603.60 Td (Among other provisions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (Dodd-Frank created a new framework for regulation of the over) Tj ET Q q 0 0 0 rg BT 305.03 591.60 Td (-the-counter derivatives markets, including requirements that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (certain swaps be executed through a centralized exchange or regulated facility and be cleared through a regulated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (clearinghouse. It also subjected us and major swap participants to capital and mar) Tj ET Q q 0 0 0 rg BT 378.10 567.60 Td (gin \(i.e., collateral\) requirements, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (generally had the ef) Tj ET Q q 0 0 0 rg BT 128.45 555.60 Td (fect of increasing the costs of hedging and the credit risk posed by some counterparties.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (Dodd-Frank also established the Federal Insurance Of) Tj ET Q q 0 0 0 rg BT 265.36 531.60 Td (fice \(FIO\) within the Department of the ) Tj ET Q q 0 0 0 rg BT 425.96 531.60 Td (T) Tj ET Q q 0 0 0 rg BT 431.72 531.60 Td (reasury) Tj ET Q q 0 0 0 rg BT 460.50 531.60 Td (, with powers over most ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (lines of insurance, and the Financial Stability Oversight Council \(FSOC\). ) Tj ET Q q 0 0 0 rg BT 347.89 519.60 Td (The FIO is authorized to gather data and information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (to monitor aspects of the insurance industry) Tj ET Q q 0 0 0 rg BT 223.81 507.60 Td (, identify issues in the regulation of insurers about insurance matters, and preempt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (state insurance measures under certain circumstances. ) Tj ET Q q 0 0 0 rg BT 269.41 495.60 Td (Although the FIO is prohibited from directly regulating the business of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (insurance, the FIO may also recommend enhanced regulations to state regulatory authorities or recommend to the FSOC that it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (designate an insurer as a "systemically important financial institution" \(SIFI\). ) Tj ET Q q 0 0 0 rg BT 363.71 471.60 Td (An insurer designated as a SIFI could be subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (to Federal Reserve supervision and heightened regulatory standards. ) Tj ET Q q 0 0 0 rg BT 327.57 459.60 Td (W) Tj ET Q q 0 0 0 rg BT 336.21 459.60 Td (e have not been designated as a SIFI, and at this time ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (we believe it is unlikely that we would be designated as such. ) Tj ET Q q 0 0 0 rg BT 300.37 447.60 Td (W) Tj ET Q q 0 0 0 rg BT 309.01 447.60 Td (e continue to monitor the political, legislative and regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (environment, where possible amendments to various provisions of Dodd-Frank are under discussion.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 411.60 Td (e are subject to the laws and regulations generally applicable to public companies, including the rules and regulations of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (Securities and Exchange Commission and the New ) Tj ET Q q 0 0 0 rg BT 256.03 399.60 Td (Y) Tj ET Q q 0 0 0 rg BT 262.25 399.60 Td (ork Stock Exchange relating to public reporting and disclosure, accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (and financial reporting, corporate governance, and securities trading. Further) Tj ET Q q 0 0 0 rg BT 358.98 387.60 Td (, the Sarbanes-Oxley ) Tj ET Q q 0 0 0 rg BT 444.51 387.60 Td (Act of 2002, and rules and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (regulations adopted under this regulation, have increased the requirements for us and other public companies in these and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (areas.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (The USA) Tj ET Q q 0 0 0 rg BT 87.00 339.60 Td ( P) Tj ET Q q 0 0 0 rg BT 94.14 339.60 Td (A) Tj ET Q q 0 0 0 rg BT 100.26 339.60 Td (TRIOT) Tj ET Q q 0 0 0 rg BT 129.51 339.60 Td ( ) Tj ET Q q 0 0 0 rg BT 131.46 339.60 Td (Act of 2001 \(Patriot ) Tj ET Q q 0 0 0 rg BT 213.67 339.60 Td (Act\) contains anti-money laundering and financial transparency laws and mandates the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (implementation of various regulations applicable to broker) Tj ET Q q 0 0 0 rg BT 284.23 327.60 Td (-dealers and other financial services companies, including insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (companies. ) Tj ET Q q 0 0 0 rg BT 99.58 315.60 Td (The Patriot ) Tj ET Q q 0 0 0 rg BT 146.24 315.60 Td (Act seeks to promote cooperation among financial institutions, regulators and law enforcement entities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (in identifying parties that may be involved in terrorism or money laundering. ) Tj ET Q q 0 0 0 rg BT 361.65 303.60 Td (Anti-money laundering laws outside of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (United States contain some similar provisions. ) Tj ET Q q 0 0 0 rg BT 240.04 291.60 Td (Additionally) Tj ET Q q 0 0 0 rg BT 289.94 291.60 Td (, other federal laws and regulations, including the Foreign Corrupt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (Practices ) Tj ET Q q 0 0 0 rg BT 87.54 279.60 Td (Act and regulations issued by the Of) Tj ET Q q 0 0 0 rg BT 233.44 279.60 Td (fice of Foreign ) Tj ET Q q 0 0 0 rg BT 294.81 279.60 Td (Asset's Controls, as well as the U.K.'s Bribery ) Tj ET Q q 0 0 0 rg BT 480.90 279.60 Td (Act of 2010, have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (increased requirements relating to identifying customers, prohibiting transactions with certain or) Tj ET Q q 0 0 0 rg BT 435.04 267.60 Td (ganizations or individuals, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (watching for and reporting suspicious transactions, responding to requests for information by regulatory authorities and law ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (enforcement agencies, sharing information with other financial institutions, and requiring the implementation and maintenance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (of internal practices, procedures, and controls.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 207.60 Td (e are subject to federal income, employment, excise and other taxes related to both our U.S. and our foreign operations. On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (December 22, 2017, the U.S. Federal government enacted a tax bill, H.R.1, ) Tj ET Q q 0 0 0 rg BT 352.20 195.60 Td (An ) Tj ET Q q 0 0 0 rg BT 366.37 195.60 Td (Act to Provide Reconciliation Pursuant to ) Tj ET Q q 0 0 0 rg BT 535.60 195.60 Td (T) Tj ET Q q 0 0 0 rg BT 541.36 195.60 Td (itles ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (II and ) Tj ET Q q 0 0 0 rg BT 75.42 183.60 Td (V) Tj ET Q q 0 0 0 rg BT 82.46 183.60 Td ( of the Concurrent Resolution on the Budget for Fiscal ) Tj ET Q q 0 0 0 rg BT 302.61 183.60 Td (Y) Tj ET Q q 0 0 0 rg BT 308.83 183.60 Td (ear 2018, more commonly known as the ) Tj ET Q q 0 0 0 rg BT 471.94 183.60 Td (T) Tj ET Q q 0 0 0 rg BT 477.35 183.60 Td (ax Cuts and Jobs ) Tj ET Q q 0 0 0 rg BT 546.80 183.60 Td (Act ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.60 Td (\(TCJA\). ) Tj ET Q q 0 0 0 rg BT 87.37 171.60 Td (The key provisions of the ) Tj ET Q q 0 0 0 rg BT 191.89 171.60 Td (TCJA) Tj ET Q q 0 0 0 rg BT 215.23 171.60 Td ( relevant to us are as follows: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 147.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 147.60 Td (Establishes a corporate income tax rate of 21 percent; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 135.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 135.60 Td (Creates a territorial tax system rather than a worldwide system, which will generally allow companies to repatriate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 123.60 Td (future foreign source earnings without incurring additional U.S. taxes by providing a 100 percent exemption for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 111.60 Td (foreign source portion of dividends from certain foreign subsidiaries;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 99.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 99.60 Td (Subjects undistributed and previously untaxed foreign earnings and profits to a one-time transition tax also referred to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 87.60 Td (as a deemed repatriation toll char) Tj ET Q q 0 0 0 rg BT 218.31 87.60 Td (ge; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 75.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 75.60 Td (Creates a U.S. shareholder tax on certain foreign subsidiary income above a routine equity return on tangible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 63.60 Td (depreciable business assets \(Global Intangible Low-taxed Income\);) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 51.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 51.60 Td (Decreases tax-deductible life and property and casualty insurance reserves;) Tj ET Q endstream endobj 43 0 obj <> endobj 44 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 735.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 735.60 Td (Increases the amount and amortization period of acquisition costs capitalized for tax purposes;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 723.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 723.60 Td (Reduces the maximum deduction for net operating loss \(NOL\) carryforwards arising in companies other than non-life ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 711.60 Td (insurance companies in tax years beginning after 2017 to a percentage of the taxpayer's taxable income. It also allows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 699.60 Td (any NOLs generated in tax years beginning after December 31, 2017 to be carried forward indefinitely and repeals ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 687.60 Td (carrybacks. NOL) Tj ET Q q 0 0 0 rg BT 156.49 687.60 Td ( provisions for non-life insurance companies remain unchanged from current law;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 675.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 675.60 Td (Allows businesses to immediately write of) Tj ET Q q 0 0 0 rg BT 255.57 675.60 Td (f the cost of new investments in certain qualified depreciable assets made ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 663.60 Td (after September 27, 2017 subject to phase downs starting in 2023;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 651.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 651.60 Td (Eliminates or reduces certain deductions \(including deductions for certain compensation arrangements, certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 639.60 Td (payments made to governments for violations of law and certain legal settlements\), exclusions and credits and adds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 627.60 Td (other provisions that broaden the tax base; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 615.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 615.60 Td (Creates a new base erosion anti-abuse tax \(BEA) Tj ET Q q 0 0 0 rg BT 276.82 615.60 Td (T\) that subjects certain payments made by a U.S. company to a related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 603.60 Td (foreign company to additional taxes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (See "Executive Summary" and "Liquidity and Capital Resources" contained herein in Item 7 and Notes 7 and 15 of the "Notes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (to Consolidated Financial Statements" contained herein in Item 8 for discussion of the impact to our financial position and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (results of operations as a result of these changes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (Federal tax laws and regulations are subject to change, and any such change could materially impact our federal taxes and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (reduce profitability as well as capital levels in our insurance subsidiaries. ) Tj ET Q q 0 0 0 rg BT 346.73 519.60 Td (W) Tj ET Q q 0 0 0 rg BT 355.36 519.60 Td (e continually monitor federal tax legislative and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (regulatory developments to understand their potential impact on our profitability) Tj ET Q q 0 0 0 rg BT 371.27 507.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (For further discussion of regulation, refer to "Risk Factors" contained herein in Item 1A.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (Geographic ) Tj ET Q q 0 0 0 rg BT 101.44 459.60 Td (Ar) Tj ET Q q 0 0 0 rg BT 112.92 459.60 Td (eas) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (Adjusted operating revenue, which excludes net realized investment gains and losses, for our Unum International segment was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.76 423.60 Td (6 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.68 423.60 Td ( of our consolidated adjusted operating revenue in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.40 423.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.40 423.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.40 423.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.40 423.60 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.34 423.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.34 423.60 Td (. ) Tj ET Q q 0 0 0 rg BT 443.28 423.60 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.73 423.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.31 423.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (total assets equaled approximately 6 percent of consolidated assets and total liabilities equaled approximately 5 percent of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (consolidated liabilities for our Unum International segment. Fluctuations in the U.S. dollar relative to the local currencies of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (our Unum International segment will impact our reported operating results. See "Risk Factors" contained herein in Item 1A) Tj ET Q q 0 0 0 rg BT 545.04 387.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td ("Quantitative and Qualitative Disclosures ) Tj ET Q q 0 0 0 rg BT 217.99 375.60 Td (About Market Risk" contained herein in Item 7A) Tj ET Q q 0 0 0 rg BT 413.42 375.60 Td ( for further discussion of fluctuations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (in foreign currency exchange rates. See "Reporting Segments" contained herein in this Item 1; "Management's Discussion and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (Analysis of Financial Condition and Results of Operations" contained herein in Item 7; and Note 13 of the "Notes to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (Consolidated Financial Statements" contained herein in Item 8 for further discussion of Unum International's operating results.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (Employees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 291.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.58 291.60 Td (, we had approximately 9,600 full-time employees. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (A) Tj ET Q q 0 0 0 rg BT 55.98 267.60 Td (vailable Information) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (Our internet website address is ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 175.30078125 242.26699218750002 m 241.3115234375 242.26699218750002 l s q 0 0 0 rg BT 175.30 243.60 Td (www) Tj ET Q q 0 0 0 rg BT 196.32 243.60 Td (.unum.com) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.31 243.60 Td (. ) Tj ET Q q 0 0 0 rg BT 248.63 243.60 Td (W) Tj ET Q q 0 0 0 rg BT 257.27 243.60 Td (e make available, free of char) Tj ET Q q 0 0 0 rg BT 375.34 243.60 Td (ge, on or through our website our ) Tj ET Q q 0 0 0 rg BT 510.88 243.60 Td (Annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (Report on Form 10-K, Quarterly Reports on Form 10-Q, Current Reports on Form 8-K, and amendments to those reports filed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (or furnished pursuant to Section 13\(a\) or 15\(d\) of the Exchange ) Tj ET Q q 0 0 0 rg BT 305.82 219.60 Td (Act as soon as reasonably practicable after filing such material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (with the Securities and Exchange Commission.) Tj ET Q endstream endobj 45 0 obj <> endobj 46 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (18) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 735.75 Td (Executive Officers of the Registrant) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (Our executive of) Tj ET Q q 0 0 0 rg BT 116.51 711.75 Td (ficers, who are also executive of) Tj ET Q q 0 0 0 rg BT 245.72 711.75 Td (ficers of certain of our principal subsidiaries, were appointed by Unum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.75 Td (Group's board of directors to serve until their successors are chosen and qualified or until their earlier resignation or removal. ) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 51.5 666.41259765625 m 76.490234375 666.41259765625 l s q 0 0 0 rg BT 51.50 667.98 Td (Name) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 189.65 666.41259765625 m 206.31015625 666.41259765625 l s q 0 0 0 rg BT 189.65 667.98 Td (Age) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 236.5 666.41259765625 m 270.9482421875 666.41259765625 l s q 0 0 0 rg BT 236.50 667.98 Td (Position) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 654.82 Td (Richard P) Tj ET Q q 0 0 0 rg BT 90.66 654.82 Td (. McKenney) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.00 654.82 Td (50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.50 654.82 Td (President and Chief Executive Of) Tj ET Q q 0 0 0 rg BT 370.81 654.82 Td (ficer and a Director) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 641.82 Td (John F) Tj ET Q q 0 0 0 rg BT 77.65 641.82 Td (. McGarry) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.00 641.82 Td (61) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.50 641.82 Td (Executive ) Tj ET Q q 0 0 0 rg BT 278.89 641.82 Td (V) Tj ET Q q 0 0 0 rg BT 285.72 641.82 Td (ice President and Chief Financial Of) Tj ET Q q 0 0 0 rg BT 431.12 641.82 Td (ficer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 628.82 Td (Lisa G. Iglesias) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.00 628.82 Td (53) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.50 628.82 Td (Executive ) Tj ET Q q 0 0 0 rg BT 278.89 628.82 Td (V) Tj ET Q q 0 0 0 rg BT 285.72 628.82 Td (ice President, General Counsel) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 615.82 Td (Michael Q. Simonds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.00 615.82 Td (45) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.50 615.82 Td (Executive ) Tj ET Q q 0 0 0 rg BT 278.89 615.82 Td (V) Tj ET Q q 0 0 0 rg BT 285.72 615.82 Td (ice President, President and Chief Executive Of) Tj ET Q q 0 0 0 rg BT 476.11 615.82 Td (ficer) Tj ET Q q 0 0 0 rg BT 494.13 615.82 Td (, Unum US) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 602.82 Td (T) Tj ET Q q 0 0 0 rg BT 57.43 602.82 Td (imothy G. ) Tj ET Q q 0 0 0 rg BT 100.04 602.82 Td (Arnold) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.00 602.82 Td (56) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.50 602.82 Td (Executive ) Tj ET Q q 0 0 0 rg BT 278.89 602.82 Td (V) Tj ET Q q 0 0 0 rg BT 285.72 602.82 Td (ice President, President and Chief Executive Of) Tj ET Q q 0 0 0 rg BT 476.11 602.82 Td (ficer) Tj ET Q q 0 0 0 rg BT 494.13 602.82 Td (, Colonial Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 589.82 Td (Peter G. O'Donnell) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.00 589.82 Td (52) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.50 589.82 Td (Executive ) Tj ET Q q 0 0 0 rg BT 278.89 589.82 Td (V) Tj ET Q q 0 0 0 rg BT 285.72 589.82 Td (ice President, Chief Executive Of) Tj ET Q q 0 0 0 rg BT 419.45 589.82 Td (ficer) Tj ET Q q 0 0 0 rg BT 437.48 589.82 Td (, Unum International) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 576.82 Td (Elizabeth ) Tj ET Q q 0 0 0 rg BT 91.48 576.82 Td (A. ) Tj ET Q q 0 0 0 rg BT 103.15 576.82 Td (Ahmed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.00 576.82 Td (44) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.50 576.82 Td (Executive ) Tj ET Q q 0 0 0 rg BT 278.89 576.82 Td (V) Tj ET Q q 0 0 0 rg BT 285.72 576.82 Td (ice President, People and Communications) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 563.82 Td (Puneet Bhasin) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.00 563.82 Td (56) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.50 563.82 Td (Executive ) Tj ET Q q 0 0 0 rg BT 278.89 563.82 Td (V) Tj ET Q q 0 0 0 rg BT 285.72 563.82 Td (ice President, Chief Information and Digital Of) Tj ET Q q 0 0 0 rg BT 474.45 563.82 Td (ficer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 550.82 Td (Breege ) Tj ET Q q 0 0 0 rg BT 82.04 550.82 Td (A. Farrell) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.00 550.82 Td (59) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.50 550.82 Td (Executive ) Tj ET Q q 0 0 0 rg BT 278.80 550.82 Td (V) Tj ET Q q 0 0 0 rg BT 285.42 550.82 Td (ice President, Chief Investment Of) Tj ET Q q 0 0 0 rg BT 423.81 550.82 Td (ficer) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 523.75 Td (Mr) Tj ET Q q 0 0 0 rg BT 61.17 523.75 Td (. McKenney became President in ) Tj ET Q q 0 0 0 rg BT 195.57 523.75 Td (April 2015 and Chief Executive Of) Tj ET Q q 0 0 0 rg BT 336.19 523.75 Td (ficer in May 2015. He served as Executive ) Tj ET Q q 0 0 0 rg BT 511.50 523.75 Td (V) Tj ET Q q 0 0 0 rg BT 518.12 523.75 Td (ice ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 511.75 Td (President and Chief Financial Of) Tj ET Q q 0 0 0 rg BT 180.96 511.75 Td (ficer from ) Tj ET Q q 0 0 0 rg BT 223.16 511.75 Td (August 2009 until ) Tj ET Q q 0 0 0 rg BT 297.33 511.75 Td (April 2015, having joined the Company in July 2009. Before ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 499.75 Td (joining the Company) Tj ET Q q 0 0 0 rg BT 133.29 499.75 Td (, Mr) Tj ET Q q 0 0 0 rg BT 149.96 499.75 Td (. McKenney served as Executive ) Tj ET Q q 0 0 0 rg BT 283.62 499.75 Td (V) Tj ET Q q 0 0 0 rg BT 290.24 499.75 Td (ice President and Chief Financial Of) Tj ET Q q 0 0 0 rg BT 435.85 499.75 Td (ficer of Sun Life Financial Inc., ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 487.75 Td (an international financial services company) Tj ET Q q 0 0 0 rg BT 222.67 487.75 Td (, from February 2007, having joined that company as Executive ) Tj ET Q q 0 0 0 rg BT 480.20 487.75 Td (V) Tj ET Q q 0 0 0 rg BT 486.82 487.75 Td (ice President in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 475.75 Td (September 2006.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 451.75 Td (Mr) Tj ET Q q 0 0 0 rg BT 61.17 451.75 Td (. McGarry became Executive ) Tj ET Q q 0 0 0 rg BT 180.65 451.75 Td (V) Tj ET Q q 0 0 0 rg BT 187.27 451.75 Td (ice President and Chief Financial Of) Tj ET Q q 0 0 0 rg BT 332.88 451.75 Td (ficer in ) Tj ET Q q 0 0 0 rg BT 363.43 451.75 Td (April 2015. He served as Executive ) Tj ET Q q 0 0 0 rg BT 510.42 451.75 Td (V) Tj ET Q q 0 0 0 rg BT 517.04 451.75 Td (ice ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 439.75 Td (President, President and Chief Executive Of) Tj ET Q q 0 0 0 rg BT 225.94 439.75 Td (ficer) Tj ET Q q 0 0 0 rg BT 243.86 439.75 Td (, Closed Block Operations from ) Tj ET Q q 0 0 0 rg BT 373.28 439.75 Td (August 2013 to ) Tj ET Q q 0 0 0 rg BT 436.90 439.75 Td (April 2015, after having served ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 427.75 Td (as Executive ) Tj ET Q q 0 0 0 rg BT 102.63 427.75 Td (V) Tj ET Q q 0 0 0 rg BT 109.25 427.75 Td (ice President, Individual Disability and Long-term Care Closed Block Operations from September 2012. He ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 415.75 Td (previously served as Executive ) Tj ET Q q 0 0 0 rg BT 175.95 415.75 Td (V) Tj ET Q q 0 0 0 rg BT 182.57 415.75 Td (ice President, President and Chief Executive Of) Tj ET Q q 0 0 0 rg BT 373.16 415.75 Td (ficer) Tj ET Q q 0 0 0 rg BT 391.08 415.75 Td (, Unum UK from July 2010, and as Senior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 403.75 Td (V) Tj ET Q q 0 0 0 rg BT 56.12 403.75 Td (ice President, Benefits, Individual Disability) Tj ET Q q 0 0 0 rg BT 233.22 403.75 Td (, and National Client Group Business, Unum US from January 2010. Prior to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 391.75 Td (that, he served in various other capacities within Unum US, including as Senior ) Tj ET Q q 0 0 0 rg BT 370.09 391.75 Td (V) Tj ET Q q 0 0 0 rg BT 376.71 391.75 Td (ice President, Benefits Operations and Risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 379.75 Td (Management from March 2008 to January 2010, and as Senior ) Tj ET Q q 0 0 0 rg BT 302.31 379.75 Td (V) Tj ET Q q 0 0 0 rg BT 308.93 379.75 Td (ice President, Benefits Operations from January 2006 to March ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 367.75 Td (2008. Mr) Tj ET Q q 0 0 0 rg BT 88.67 367.75 Td (. McGarry originally joined a Unum Group predecessor company in 1986.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 343.75 Td (Ms. Iglesias was named Executive ) Tj ET Q q 0 0 0 rg BT 189.84 343.75 Td (V) Tj ET Q q 0 0 0 rg BT 196.46 343.75 Td (ice President, General Counsel upon joining the Company in January 2015. She served as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 331.75 Td (Senior ) Tj ET Q q 0 0 0 rg BT 77.93 331.75 Td (V) Tj ET Q q 0 0 0 rg BT 84.55 331.75 Td (ice President, General Counsel and Secretary of ) Tj ET Q q 0 0 0 rg BT 278.19 331.75 Td (W) Tj ET Q q 0 0 0 rg BT 286.82 331.75 Td (ellCare Health Plans, Inc., a managed care company) Tj ET Q q 0 0 0 rg BT 494.97 331.75 Td (, from February ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 319.75 Td (2012 to December 2014, having first joined ) Tj ET Q q 0 0 0 rg BT 226.50 319.75 Td (W) Tj ET Q q 0 0 0 rg BT 235.14 319.75 Td (ellCare in February 2010 as ) Tj ET Q q 0 0 0 rg BT 348.54 319.75 Td (V) Tj ET Q q 0 0 0 rg BT 355.16 319.75 Td (ice President, Securities and ) Tj ET Q q 0 0 0 rg BT 469.85 319.75 Td (Assistant General ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 307.75 Td (Counsel. Prior to that, she served as General Counsel and Corporate Secretary for Nordstrom, Inc., a fashion specialty retailer) Tj ET Q q 0 0 0 rg BT 554.50 307.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 295.75 Td (from 2007 to 2008, and as General Counsel and Secretary of Spherion Corporation, a recruiting and staf) Tj ET Q q 0 0 0 rg BT 465.87 295.75 Td (fing company) Tj ET Q q 0 0 0 rg BT 520.49 295.75 Td (, from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 283.75 Td (1999 to 2007.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 259.75 Td (Mr) Tj ET Q q 0 0 0 rg BT 61.17 259.75 Td (. Simonds was named Executive ) Tj ET Q q 0 0 0 rg BT 193.19 259.75 Td (V) Tj ET Q q 0 0 0 rg BT 199.81 259.75 Td (ice President, President and Chief Executive Of) Tj ET Q q 0 0 0 rg BT 390.40 259.75 Td (ficer) Tj ET Q q 0 0 0 rg BT 408.32 259.75 Td (, Unum US in July 2013, after having ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 247.75 Td (served as Senior ) Tj ET Q q 0 0 0 rg BT 117.36 247.75 Td (V) Tj ET Q q 0 0 0 rg BT 123.98 247.75 Td (ice President and Chief Operating Of) Tj ET Q q 0 0 0 rg BT 272.36 247.75 Td (ficer) Tj ET Q q 0 0 0 rg BT 290.28 247.75 Td (, Unum US from June 2012. He previously served as Senior ) Tj ET Q q 0 0 0 rg BT 535.06 247.75 Td (V) Tj ET Q q 0 0 0 rg BT 541.68 247.75 Td (ice ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 235.75 Td (President, Growth Operations, Unum US from July 2010, and as Senior ) Tj ET Q q 0 0 0 rg BT 338.73 235.75 Td (V) Tj ET Q q 0 0 0 rg BT 345.35 235.75 Td (ice President and Chief Marketing Of) Tj ET Q q 0 0 0 rg BT 495.41 235.75 Td (ficer) Tj ET Q q 0 0 0 rg BT 513.32 235.75 Td (, Unum US ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 223.75 Td (from March 2008. Mr) Tj ET Q q 0 0 0 rg BT 139.21 223.75 Td (. Simonds originally joined a Unum Group predecessor company in 1994, left the Company in 2000 to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 211.75 Td (further his education, and rejoined the Company in 2003 after serving as a consultant with McKinsey & Company) Tj ET Q q 0 0 0 rg BT 505.41 211.75 Td (, a global ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 199.75 Td (management consulting firm.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 175.75 Td (Mr) Tj ET Q q 0 0 0 rg BT 61.17 175.75 Td (. ) Tj ET Q q 0 0 0 rg BT 65.62 175.75 Td (Arnold was named Executive ) Tj ET Q q 0 0 0 rg BT 185.96 175.75 Td (V) Tj ET Q q 0 0 0 rg BT 192.58 175.75 Td (ice President, President and Chief Executive Of) Tj ET Q q 0 0 0 rg BT 383.17 175.75 Td (ficer) Tj ET Q q 0 0 0 rg BT 401.09 175.75 Td (, Colonial Life in January 2015, after ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 163.75 Td (having served as Executive ) Tj ET Q q 0 0 0 rg BT 160.95 163.75 Td (V) Tj ET Q q 0 0 0 rg BT 167.57 163.75 Td (ice President, President, Colonial Life from July 2014. He previously served as Senior ) Tj ET Q q 0 0 0 rg BT 517.60 163.75 Td (V) Tj ET Q q 0 0 0 rg BT 524.22 163.75 Td (ice ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 151.75 Td (President, Sales and Marketing, Colonial Life from ) Tj ET Q q 0 0 0 rg BT 256.40 151.75 Td (August 2012, as Senior ) Tj ET Q q 0 0 0 rg BT 352.05 151.75 Td (V) Tj ET Q q 0 0 0 rg BT 358.67 151.75 Td (ice President, Chief Operations Of) Tj ET Q q 0 0 0 rg BT 496.51 151.75 Td (ficer) Tj ET Q q 0 0 0 rg BT 514.43 151.75 Td (, Colonial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 139.75 Td (Life from July 201) Tj ET Q q 0 0 0 rg BT 124.39 139.75 Td (1, and as Senior ) Tj ET Q q 0 0 0 rg BT 190.59 139.75 Td (V) Tj ET Q q 0 0 0 rg BT 197.21 139.75 Td (ice President, Integrated Underwriting, Unum US from May 2010. Mr) Tj ET Q q 0 0 0 rg BT 480.21 139.75 Td (. ) Tj ET Q q 0 0 0 rg BT 484.66 139.75 Td (Arnold originally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 127.75 Td (joined a Unum Group predecessor company in 1985.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 103.75 Td (Mr) Tj ET Q q 0 0 0 rg BT 61.17 103.75 Td (. O'Donnell serves as Executive ) Tj ET Q q 0 0 0 rg BT 190.53 103.75 Td (V) Tj ET Q q 0 0 0 rg BT 197.15 103.75 Td (ice President, Chief Executive Of) Tj ET Q q 0 0 0 rg BT 331.09 103.75 Td (ficer) Tj ET Q q 0 0 0 rg BT 349.01 103.75 Td (, Unum International, having been named to this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 91.75 Td (position in October 2018 when the reporting segment was previously known as Unum UK. He previously served as President ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 79.75 Td (and Chief Executive Of) Tj ET Q q 0 0 0 rg BT 144.01 79.75 Td (ficer) Tj ET Q q 0 0 0 rg BT 161.92 79.75 Td (, Unum UK, from September 2012, after having joined the Company as Unum Limited's Chief ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 67.75 Td (Financial Of) Tj ET Q q 0 0 0 rg BT 99.58 67.75 Td (ficer in 2010. Prior to joining Unum Limited, Mr) Tj ET Q q 0 0 0 rg BT 297.62 67.75 Td (. O'Donnell served as Director of Group Finance at Prudential ) Tj ET Q endstream endobj 47 0 obj <> endobj 48 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (plc, an international financial services company) Tj ET Q q 0 0 0 rg BT 239.89 735.60 Td (, from May 2008 to May 2010. He served as Finance director at Royal & ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (SunAlliance plc, an international financial services company) Tj ET Q q 0 0 0 rg BT 291.82 723.60 Td (, from May 2005 to May 2008.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (Ms. ) Tj ET Q q 0 0 0 rg BT 66.73 699.60 Td (Ahmed was named Executive ) Tj ET Q q 0 0 0 rg BT 188.18 699.60 Td (V) Tj ET Q q 0 0 0 rg BT 194.80 699.60 Td (ice President, People and Communications upon joining the Company in October 2018. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (She served as Executive ) Tj ET Q q 0 0 0 rg BT 148.73 687.60 Td (V) Tj ET Q q 0 0 0 rg BT 155.35 687.60 Td (ice President, Chief Human Resources Of) Tj ET Q q 0 0 0 rg BT 322.35 687.60 Td (ficer) Tj ET Q q 0 0 0 rg BT 340.26 687.60 Td (, ) Tj ET Q q 0 0 0 rg BT 344.71 687.60 Td (AmT) Tj ET Q q 0 0 0 rg BT 365.47 687.60 Td (rust Financial Services, Inc., a multinational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (insurance holding company) Tj ET Q q 0 0 0 rg BT 159.38 675.60 Td (, from May 2015 to October 2018. Prior to that, she served as ) Tj ET Q q 0 0 0 rg BT 409.98 675.60 Td (V) Tj ET Q q 0 0 0 rg BT 416.60 675.60 Td (ice President of Human Resources ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (at Equity ) Tj ET Q q 0 0 0 rg BT 88.20 663.60 Td (T) Tj ET Q q 0 0 0 rg BT 93.96 663.60 Td (rust Company) Tj ET Q q 0 0 0 rg BT 149.70 663.60 Td (, a financial services company) Tj ET Q q 0 0 0 rg BT 269.83 663.60 Td (, from May 2012 to May 2015, and as Senior ) Tj ET Q q 0 0 0 rg BT 452.40 663.60 Td (V) Tj ET Q q 0 0 0 rg BT 459.02 663.60 Td (ice President of Human ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (Resources at PNC Bank, a diversified financial services institution, from ) Tj ET Q q 0 0 0 rg BT 342.21 651.60 Td (August 2008 to May 2012.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (Mr) Tj ET Q q 0 0 0 rg BT 61.17 627.60 Td (. Bhasin was named Executive ) Tj ET Q q 0 0 0 rg BT 185.96 627.60 Td (V) Tj ET Q q 0 0 0 rg BT 192.58 627.60 Td (ice President, Chief Information and Digital Of) Tj ET Q q 0 0 0 rg BT 381.51 627.60 Td (ficer after joining the Company in March ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (2018. He served as Executive ) Tj ET Q q 0 0 0 rg BT 172.89 615.60 Td (V) Tj ET Q q 0 0 0 rg BT 179.51 615.60 Td (ice President, Corporate Operations and Recycling at ) Tj ET Q q 0 0 0 rg BT 394.26 615.60 Td (W) Tj ET Q q 0 0 0 rg BT 402.90 615.60 Td (aste Management, Inc., a waste ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (management environmental services provider) Tj ET Q q 0 0 0 rg BT 231.53 603.60 Td (, from November 2015 to March 2017. ) Tj ET Q q 0 0 0 rg BT 391.87 603.60 Td (While at ) Tj ET Q q 0 0 0 rg BT 428.34 603.60 Td (W) Tj ET Q q 0 0 0 rg BT 436.98 603.60 Td (aste Management, he also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (served as Senior ) Tj ET Q q 0 0 0 rg BT 117.36 591.60 Td (V) Tj ET Q q 0 0 0 rg BT 123.98 591.60 Td (ice President, Corporate Operations from November 2014, Chief Information Of) Tj ET Q q 0 0 0 rg BT 446.21 591.60 Td (ficer and Senior ) Tj ET Q q 0 0 0 rg BT 512.39 591.60 Td (V) Tj ET Q q 0 0 0 rg BT 519.01 591.60 Td (ice ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (President, ) Tj ET Q q 0 0 0 rg BT 91.54 579.60 Td (T) Tj ET Q q 0 0 0 rg BT 96.95 579.60 Td (echnology) Tj ET Q q 0 0 0 rg BT 137.95 579.60 Td (, Logistics and Customer Service from ) Tj ET Q q 0 0 0 rg BT 294.31 579.60 Td (August 2012, and Senior ) Tj ET Q q 0 0 0 rg BT 396.07 579.60 Td (V) Tj ET Q q 0 0 0 rg BT 402.69 579.60 Td (ice President and Chief Information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (Of) Tj ET Q q 0 0 0 rg BT 59.87 567.60 Td (ficer from December 2009. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (Ms. Farrell was named Executive ) Tj ET Q q 0 0 0 rg BT 185.95 543.60 Td (V) Tj ET Q q 0 0 0 rg BT 192.57 543.60 Td (ice President, Chief Investment Of) Tj ET Q q 0 0 0 rg BT 330.96 543.60 Td (ficer in ) Tj ET Q q 0 0 0 rg BT 361.50 543.60 Td (August 2013, after having joined the Company as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (Senior ) Tj ET Q q 0 0 0 rg BT 77.93 531.60 Td (V) Tj ET Q q 0 0 0 rg BT 84.55 531.60 Td (ice President and Chief Investment Of) Tj ET Q q 0 0 0 rg BT 237.38 531.60 Td (ficer in ) Tj ET Q q 0 0 0 rg BT 267.92 531.60 Td (April 201) Tj ET Q q 0 0 0 rg BT 306.16 531.60 Td (1. Before joining the Company) Tj ET Q q 0 0 0 rg BT 432.16 531.60 Td (, she held a number of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (executive-level investment positions within ) Tj ET Q q 0 0 0 rg BT 225.95 519.60 Td (The ) Tj ET Q q 0 0 0 rg BT 243.45 519.60 Td (Allstate Corporation, a personal lines insurer) Tj ET Q q 0 0 0 rg BT 422.44 519.60 Td (, including as Senior Managing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (Director of ) Tj ET Q q 0 0 0 rg BT 95.59 507.60 Td (Allstate Investments, LLC and certain af) Tj ET Q q 0 0 0 rg BT 258.14 507.60 Td (filiated companies from January 2010 to ) Tj ET Q q 0 0 0 rg BT 421.99 507.60 Td (April 201) Tj ET Q q 0 0 0 rg BT 460.22 507.60 Td (1, and as Managing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (Director of these companies from ) Tj ET Q q 0 0 0 rg BT 185.84 495.60 Td (August 2004 to January 2010.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (ITEM 1A. RISK F) Tj ET Q q 0 0 0 rg BT 128.21 471.60 Td (ACT) Tj ET Q q 0 0 0 rg BT 149.14 471.60 Td (ORS) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 169.71 471.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 49.50 447.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 447.60 Td (e face a wide range of risks, and our continued success depends on our ability to identify and appropriately manage our risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (exposures. Discussed below are factors that may adversely af) Tj ET Q q 0 0 0 rg BT 297.01 435.60 Td (fect our business, results of operations, or financial condition. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (Any one or more of the following factors may cause our actual results for various financial reporting periods to dif) Tj ET Q q 0 0 0 rg BT 507.79 423.60 Td (fer materially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (from those expressed in any forward-looking statements made by or on behalf of the Company) Tj ET Q q 0 0 0 rg BT 428.20 411.60 Td (, including those in this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (document or made by us elsewhere, such as in earnings release investor calls, investor conference presentations, or press ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (releases. See "Cautionary Statement Regarding Forward-Looking Statements" contained herein on page 1.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (Sustained periods of low inter) Tj ET Q q 0 0 0 rg BT 176.55 363.60 Td (est rates in the long-term investment market may adversely affect our) Tj ET Q q 0 0 0 rg BT 473.51 363.60 Td ( r) Tj ET Q q 0 0 0 rg BT 480.27 363.60 Td (eported net ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (investment income and the discount rates used in r) Tj ET Q q 0 0 0 rg BT 265.43 351.60 Td (eserving for) Tj ET Q q 0 0 0 rg BT 316.07 351.60 Td ( our) Tj ET Q q 0 0 0 rg BT 333.39 351.60 Td ( insurance pr) Tj ET Q q 0 0 0 rg BT 389.88 351.60 Td (oducts and pr) Tj ET Q q 0 0 0 rg BT 448.60 351.60 Td (ojecting our) Tj ET Q q 0 0 0 rg BT 499.80 351.60 Td ( pension ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (obligations, which may adversely affect our) Tj ET Q q 0 0 0 rg BT 234.30 339.60 Td ( r) Tj ET Q q 0 0 0 rg BT 241.06 339.60 Td (esults of operations or) Tj ET Q q 0 0 0 rg BT 335.04 339.60 Td ( financial condition. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (Declines in interest rates and/or the continuance of the current level of low interest rates and yields on fixed income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (investments may cause the rates of return on our investment portfolio to decrease more than expected, leading to lower net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (investment income than assumed in the pricing and reserving for our insurance products. ) Tj ET Q q 0 0 0 rg BT 409.13 291.60 Td (An interest, or discount, rate is used ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (in calculating reserves for our insurance products. ) Tj ET Q q 0 0 0 rg BT 253.97 279.60 Td (W) Tj ET Q q 0 0 0 rg BT 262.61 279.60 Td (e set our reserve discount rate assumptions based on our current and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (expected future investment yield for assets supporting the reserves, considering current and expected future market conditions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (If the discount rate assumed in our reserve calculations is higher than our future investment returns, our invested assets will not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (earn enough investment income to support our future claim payments. In that case, the reserves may eventually be insuf) Tj ET Q q 0 0 0 rg BT 531.12 243.60 Td (ficient, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (resulting in the need to increase our reserves and/or increase our capital contributions to our insurance subsidiaries, either of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (which could have a material adverse ef) Tj ET Q q 0 0 0 rg BT 205.35 219.60 Td (fect on our results of operations or financial condition. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (Our net periodic benefit costs and the value of our benefit obligations for our pension plans are determined based on a set of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (economic and demographic assumptions that represent our best estimate of future expected experience. Major assumptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.60 Td (used in accounting for these plans include the expected discount \(interest\) rate and the long-term rate of return on plan assets. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 159.60 Td (e set the discount rate assumption at the measurement date for each of our plans to reflect the yield of a portfolio of high ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (quality fixed income corporate debt instruments matched against the timing and amounts of projected future benefits. ) Tj ET Q q 0 0 0 rg BT 523.25 147.60 Td (A) Tj ET Q q 0 0 0 rg BT 529.92 147.60 Td ( lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.60 Td (discount rate increases the present value of benefit obligations and increases our costs. Our expectations for the future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.60 Td (investment returns on plan assets are based on a combination of historical market performance, current market conditions, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (future capital market assumptions obtained from external consultants and economists. ) Tj ET Q q 0 0 0 rg BT 397.56 111.60 Td (The actual rate of return on plan assets is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.60 Td (determined based on the fair value of the plan assets at the beginning and end of the measurement period. Increases or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.60 Td (decreases in long-term interest rates as well as equity market volatility will impact the fair value of our plan assets and may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.60 Td (result in a decrease in the funded status of our pension plans and/or increased pension costs, which may adversely af) Tj ET Q q 0 0 0 rg BT 514.73 75.60 Td (fect our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.60 Td (results of operations, financial condition, or liquidity) Tj ET Q q 0 0 0 rg BT 259.92 63.60 Td (. ) Tj ET Q endstream endobj 49 0 obj <> endobj 50 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (See "Reserves for Policy and Contract Benefits" contained herein in Item 1, "Critical ) Tj ET Q q 0 0 0 rg BT 391.10 735.60 Td (Accounting Estimates" included in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td ("Management's Discussion and ) Tj ET Q q 0 0 0 rg BT 176.76 723.60 Td (Analysis of Financial Condition and Results of Operations" contained herein in Item 7, "Interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (Rate Risk" contained herein in Item 7A, and Note 9 of the "Notes to Consolidated Financial Statements" contained herein in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (Item 8 for further discussion.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (Actual experience may differ) Tj ET Q q 0 0 0 rg BT 172.89 675.60 Td ( fr) Tj ET Q q 0 0 0 rg BT 182.98 675.60 Td (om our) Tj ET Q q 0 0 0 rg BT 213.63 675.60 Td ( r) Tj ET Q q 0 0 0 rg BT 220.38 675.60 Td (eserve assumptions which may adversely affect our) Tj ET Q q 0 0 0 rg BT 437.95 675.60 Td ( r) Tj ET Q q 0 0 0 rg BT 444.71 675.60 Td (esults of operations or) Tj ET Q q 0 0 0 rg BT 538.69 675.60 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (financial condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (Historical results may not be indicative of future performance due to, among other things, changes in our mix of business, re-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (pricing of certain lines of business, or any number of economic cyclical ef) Tj ET Q q 0 0 0 rg BT 346.16 627.60 Td (fects on our business. Reserves, whether calculated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (under GAAP) Tj ET Q q 0 0 0 rg BT 101.62 615.60 Td ( or statutory accounting principles, do not represent an exact calculation of future benefit liabilities but are instead ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (estimates made by us using actuarial and statistical procedures. ) Tj ET Q q 0 0 0 rg BT 306.37 603.60 Td (Actual experience may dif) Tj ET Q q 0 0 0 rg BT 411.97 603.60 Td (fer from our reserve assumptions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (There can be no assurance that our reserves will be suf) Tj ET Q q 0 0 0 rg BT 268.12 591.60 Td (ficient to fund our future liabilities in all circumstances. Future loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (development may require reserves to be increased, which would adversely af) Tj ET Q q 0 0 0 rg BT 357.25 579.60 Td (fect earnings in current and future periods. Life ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (expectancies may continue to increase, which could lengthen the time a claimant receives disability or long-term care benefits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (and could result in a change in mortality assumptions and an increase in reserves for these and other long-tailed products. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (Adjustments to reserve amounts may also be required in the event of changes from the assumptions regarding future morbidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (\(the incidence of claims and the rate of recovery) Tj ET Q q 0 0 0 rg BT 242.09 531.60 Td (, including the ef) Tj ET Q q 0 0 0 rg BT 309.67 531.60 Td (fects thereon of inflation and other societal and economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (factors\); premium rate increases; persistency; policy benefit of) Tj ET Q q 0 0 0 rg BT 299.50 519.60 Td (fsets, including those for social security and other government-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (based welfare benefits; and interest rates used in calculating the reserve amounts, which could have a material adverse ef) Tj ET Q q 0 0 0 rg BT 532.73 507.60 Td (fect on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (our results of operations or financial condition. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (See "Reserves for Policy and Contract Benefits" contained herein in Item 1, "Executive Summary" and "Critical ) Tj ET Q q 0 0 0 rg BT 500.07 471.60 Td (Accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (Estimates" included in "Management's Discussion and ) Tj ET Q q 0 0 0 rg BT 269.43 459.60 Td (Analysis of Financial Condition and Results of Operations" contained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (herein in Item 7, and Notes 1 and 6 of the "Notes to Consolidated Financial Statements" contained herein in Item 8 for further ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (discussion. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (Unfavorable economic conditions may r) Tj ET Q q 0 0 0 rg BT 219.30 411.60 Td (esult in lower) Tj ET Q q 0 0 0 rg BT 276.34 411.60 Td ( sales, lower) Tj ET Q q 0 0 0 rg BT 327.54 411.60 Td ( pr) Tj ET Q q 0 0 0 rg BT 339.86 411.60 Td (emium gr) Tj ET Q q 0 0 0 rg BT 381.05 411.60 Td (owth and persistency) Tj ET Q q 0 0 0 rg BT 470.51 411.60 Td (, higher) Tj ET Q q 0 0 0 rg BT 503.10 411.60 Td ( claims ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (incidence, and longer) Tj ET Q q 0 0 0 rg BT 140.15 399.60 Td ( claims duration, which may adversely affect our) Tj ET Q q 0 0 0 rg BT 347.73 399.60 Td ( r) Tj ET Q q 0 0 0 rg BT 354.49 399.60 Td (esults of operations or) Tj ET Q q 0 0 0 rg BT 448.46 399.60 Td ( financial condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 375.60 Td (e are af) Tj ET Q q 0 0 0 rg BT 87.37 375.60 Td (fected by conditions in the capital markets and the general economy) Tj ET Q q 0 0 0 rg BT 358.85 375.60 Td (, primarily in the United States, the United ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (Kingdom, Poland, and to a lesser extent, the broader global financial markets. Negative developments in the capital markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (and/or the general economy could adversely af) Tj ET Q q 0 0 0 rg BT 236.46 351.60 Td (fect our business and results of operations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (In particular) Tj ET Q q 0 0 0 rg BT 98.24 327.60 Td (, factors such as unemployment levels, consumer confidence levels, consumer spending, business investment, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (government spending, the volatility and strength of the capital markets, and inflation all af) Tj ET Q q 0 0 0 rg BT 410.61 315.60 Td (fect the business and economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (environment and, ultimately) Tj ET Q q 0 0 0 rg BT 161.88 303.60 Td (, the amount and profitability of our businesses. Given the nature of our products, in an economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (environment characterized by higher unemployment, lower personal income, reduced consumer spending, and lower corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (earnings and investment, new product sales may be adversely af) Tj ET Q q 0 0 0 rg BT 305.90 279.60 Td (fected. Our premium growth may also be negatively impacted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (by lower premium growth from existing customers due to lower salary growth and lower growth in the number of employees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (covered under an existing policy) Tj ET Q q 0 0 0 rg BT 179.36 255.60 Td (. In addition, during such periods we may experience higher claims incidence, longer claims ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (duration, and/or an increase in policy lapses, any of which could have a material adverse ef) Tj ET Q q 0 0 0 rg BT 413.90 243.60 Td (fect on our results of operations or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (financial condition. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.95 207.60 Td (e and our) Tj ET Q q 0 0 0 rg BT 99.33 207.60 Td ( insurance subsidiaries ar) Tj ET Q q 0 0 0 rg BT 208.33 207.60 Td (e subject to extensive supervision and r) Tj ET Q q 0 0 0 rg BT 374.81 207.60 Td (egulation. Changes in laws and r) Tj ET Q q 0 0 0 rg BT 516.04 207.60 Td (egulations ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (that affect our) Tj ET Q q 0 0 0 rg BT 110.41 195.60 Td ( industry or) Tj ET Q q 0 0 0 rg BT 160.79 195.60 Td ( the customers to whom we sell our) Tj ET Q q 0 0 0 rg BT 309.75 195.60 Td ( pr) Tj ET Q q 0 0 0 rg BT 322.07 195.60 Td (oducts may affect the cost or) Tj ET Q q 0 0 0 rg BT 443.80 195.60 Td ( demand for) Tj ET Q q 0 0 0 rg BT 495.84 195.60 Td ( our) Tj ET Q q 0 0 0 rg BT 513.16 195.60 Td ( pr) Tj ET Q q 0 0 0 rg BT 525.48 195.60 Td (oducts, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (incr) Tj ET Q q 0 0 0 rg BT 66.54 183.60 Td (ease capital r) Tj ET Q q 0 0 0 rg BT 122.45 183.60 Td (equir) Tj ET Q q 0 0 0 rg BT 145.05 183.60 Td (ements for) Tj ET Q q 0 0 0 rg BT 190.13 183.60 Td ( our) Tj ET Q q 0 0 0 rg BT 207.44 183.60 Td ( insurance subsidiaries, and adversely affect our) Tj ET Q q 0 0 0 rg BT 412.54 183.60 Td ( pr) Tj ET Q q 0 0 0 rg BT 424.86 183.60 Td (ofitability) Tj ET Q q 0 0 0 rg BT 465.97 183.60 Td (, liquidity) Tj ET Q q 0 0 0 rg BT 506.55 183.60 Td (, or) Tj ET Q q 0 0 0 rg BT 520.81 183.60 Td ( gr) Tj ET Q q 0 0 0 rg BT 532.57 183.60 Td (owth. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td (Our insurance subsidiaries are subject to extensive supervision and regulation in the United States and abroad. ) Tj ET Q q 0 0 0 rg BT 495.31 159.60 Td (The primary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (purpose of insurance regulation is to protect policyholders, not stockholders. ) Tj ET Q q 0 0 0 rg BT 360.64 147.60 Td (T) Tj ET Q q 0 0 0 rg BT 366.05 147.60 Td (o that end, applicable laws establish regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.60 Td (authorities, including state insurance departments in the United States, the PRA) Tj ET Q q 0 0 0 rg BT 367.21 135.60 Td ( in the United Kingdom, and the KNF in Poland, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.60 Td (with broad administrative powers over many aspects of the insurance business. For example, our insurance subsidiaries may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (not be able to obtain or maintain necessary licenses, permits, authorizations, or accreditations, or may be able to do so only at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.60 Td (great cost. In addition, we and our insurance subsidiaries may not be able to comply fully with, or obtain appropriate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.60 Td (exemptions from, the wide variety of laws and regulations applicable to insurance companies and insurance holding companies. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.60 Td (These laws and regulations can be complex and subject to dif) Tj ET Q q 0 0 0 rg BT 294.80 75.60 Td (fering interpretations and are regularly re-examined. Existing or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.60 Td (future laws and regulations, and the manner in which they are interpreted or applied, may become more restrictive or otherwise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 51.60 Td (adversely af) Tj ET Q q 0 0 0 rg BT 97.90 51.60 Td (fect our operations. For example, they may restrict or prohibit the payment of dividends by our subsidiaries to us, ) Tj ET Q endstream endobj 51 0 obj <> endobj 52 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (restrict transactions between subsidiaries and/or between us and our subsidiaries, and may require contributions of capital by us ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (to our insurance subsidiaries even if we are otherwise in compliance with stated requirements. Failure to comply with or to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (obtain appropriate exemptions under any applicable laws or regulations could result in restrictions on the ability of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (insurance subsidiaries to do business in one or more of the jurisdictions in which they operate and could result in fines and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (other sanctions, which may have a material adverse ef) Tj ET Q q 0 0 0 rg BT 265.62 687.60 Td (fect on our business or results of operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (It is possible that there will be heightened oversight of insurers by regulatory authorities in the jurisdictions in which our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (insurance subsidiaries are domiciled and operate. ) Tj ET Q q 0 0 0 rg BT 250.91 651.60 Td (W) Tj ET Q q 0 0 0 rg BT 259.55 651.60 Td (e cannot predict specific proposals that might be adopted, or what impact, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (if any) Tj ET Q q 0 0 0 rg BT 71.90 639.60 Td (, such proposals or) Tj ET Q q 0 0 0 rg BT 146.49 639.60 Td (, if enacted, such laws, could have on our business, results of operations, or financial condition. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (instance, the NAIC or state regulators may adopt revisions to the RBC formula, the PRA) Tj ET Q q 0 0 0 rg BT 403.88 627.60 Td ( may revise its capital adequacy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (requirements and minimum solvency mar) Tj ET Q q 0 0 0 rg BT 215.95 615.60 Td (gins, the IAIS may adopt capital requirements to which we could be subject, or rating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (agencies may incorporate higher capital thresholds into their quantitative analyses, thus requiring additional capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (contributions by us to our insurance subsidiaries. Increased financial services regulation, which could include activities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (undertaken by the NAIC and regulatory authorities in the U.K., Poland, and the EU may impose greater quantitative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (requirements, supervisory review) Tj ET Q q 0 0 0 rg BT 182.42 567.60 Td (, and disclosure requirements and may impact the business strategies, capital requirements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (and profitability of our insurance subsidiaries. ) Tj ET Q q 0 0 0 rg BT 238.72 555.60 Td (The United Kingdom's Financial Ombudsman Service, which was established to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (help settle disputes between consumers and businesses providing financial services, and the FCA, which has rule-making, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (investigative, and enforcement powers to protect consumers, may hamper our ability to do business, which could have a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (material adverse ef) Tj ET Q q 0 0 0 rg BT 125.38 519.60 Td (fect on our U.K. operations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 495.60 Td (e use af) Tj ET Q q 0 0 0 rg BT 88.49 495.60 Td (filiated captive reinsurers for the limited purpose of reinsuring risks attributable to specified policies issued or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (reinsured by our insurance subsidiaries in order to ef) Tj ET Q q 0 0 0 rg BT 259.81 483.60 Td (fectively manage risks in connection with certain blocks of our business as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (well as to enhance our capital ef) Tj ET Q q 0 0 0 rg BT 178.15 471.60 Td (ficiency) Tj ET Q q 0 0 0 rg BT 209.70 471.60 Td (. If we were required to discontinue use of the captive reinsurers or to alter the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (structure of the captive reinsurance arrangements, our ability to maintain current RBC ratios and/or our capital deployment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (activities could be adversely af) Tj ET Q q 0 0 0 rg BT 173.16 447.60 Td (fected.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (Changes in U.S. programs such as healthcare reform and financial services sector reform may compete with or diminish the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (need or demand for our products, particularly as it may af) Tj ET Q q 0 0 0 rg BT 280.07 411.60 Td (fect our ability to sell our products through employers or in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (workplace. ) Tj ET Q q 0 0 0 rg BT 98.46 399.60 Td (The U.S. social security disability insurance program may not be sustainable, which may adversely af) Tj ET Q q 0 0 0 rg BT 505.12 399.60 Td (fect the level ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (of our disability claim payments and reserves. Legislative changes related to pension funding requirements could negatively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (impact our cash flows from operations and our profitability) Tj ET Q q 0 0 0 rg BT 286.01 375.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (Changes in tax laws and other regulations or interpretations of such laws or regulations could unfavorably impact our corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (taxes. In addition, changes in tax laws could make some of our products less attractive to consumers. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (Negotiations regarding the U.K.'s plans to leave the EU on March 29, 2019 are ongoing and the anticipated resolutions remain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (uncertain. ) Tj ET Q q 0 0 0 rg BT 94.02 303.60 Td (The magnitude and longevity of potential negative economic impacts on the growth of our Unum UK business will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (depend on whether an agreement is reached between the U.K. and EU as a result of exit negotiations and, if reached, the nature ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (of the agreement and the resulting response of the U.K. marketplace. ) Tj ET Q q 0 0 0 rg BT 329.50 279.60 Td (W) Tj ET Q q 0 0 0 rg BT 338.13 279.60 Td (e do not expect that the underlying operations of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (U.K. business to be significantly impacted by the U.K.'s exit from the EU. ) Tj ET Q q 0 0 0 rg BT 351.35 267.60 Td (The insurance policies issued by our U.K. insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (subsidiary are almost exclusively written in the U.K. and cover policyholders based in the U.K. ) Tj ET Q q 0 0 0 rg BT 435.89 255.60 Td (These policies will not be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (af) Tj ET Q q 0 0 0 rg BT 57.09 243.60 Td (fected by the U.K.'s exit nor will we need to obtain additional insurance licenses to be able to continue writing these policies. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (For the small amount of contracts and coverages provided to companies and individuals outside of the U.K., we have developed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (contingency plans that could be invoked following the U.K.'s exit. ) Tj ET Q q 0 0 0 rg BT 319.40 219.60 Td (The employees that support our U.K. business reside in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (U.K. and will not need to change residence status after the exit. ) Tj ET Q q 0 0 0 rg BT 307.57 207.60 Td (W) Tj ET Q q 0 0 0 rg BT 316.20 207.60 Td (e may experience volatility in the fair values of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (investments in U.K. and EU-based issuers, but we do not expect a material increase in other) Tj ET Q q 0 0 0 rg BT 416.97 195.60 Td (-than-temporary impairments or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (defaults, nor do we believe this volatility will impact our ability to hold these investments. ) Tj ET Q q 0 0 0 rg BT 415.92 183.60 Td (W) Tj ET Q q 0 0 0 rg BT 424.56 183.60 Td (e may also experience higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.60 Td (claims incidence in the near term, which is generally correlated to periods of economic uncertainty) Tj ET Q q 0 0 0 rg BT 443.97 171.60 Td (. ) Tj ET Q q 0 0 0 rg BT 450.92 171.60 Td (Additionally) Tj ET Q q 0 0 0 rg BT 500.82 171.60 Td (, it is possible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td (that there are tax impacts associated with the exit such as revised or new tax regulations. ) Tj ET Q q 0 0 0 rg BT 408.09 159.60 Td (The continued dampening of growth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (due to the current disruption and uncertainty in the U.K. economy may lead to lower near) Tj ET Q q 0 0 0 rg BT 407.24 147.60 Td (-term sales and premium growth. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.60 Td (There are currently no indications that capital requirements for our U.K. operations will change, but economic conditions may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.60 Td (cause volatility in our solvency ratios. Our reported consolidated financial results may be unfavorably impacted by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (weakening of the British pound sterling relative to preceding periods. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.60 Td (Dodd-Frank directs various government agencies and bodies to promulgate regulations implementing the law) Tj ET Q q 0 0 0 rg BT 486.52 87.60 Td (, an ongoing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.60 Td (process that continues to develop. ) Tj ET Q q 0 0 0 rg BT 189.19 75.60 Td (As a result of the regulations implemented thus far) Tj ET Q q 0 0 0 rg BT 391.52 75.60 Td (, regulations directed at some derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.60 Td (activities and the implementation of central clearing rules have increased the cost of some hedging activities primarily as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 51.60 Td (result of more restrictive collateral requirements. ) Tj ET Q q 0 0 0 rg BT 249.79 51.60 Td (W) Tj ET Q q 0 0 0 rg BT 258.43 51.60 Td (e cannot predict the requirements of the remaining regulations that might ) Tj ET Q endstream endobj 53 0 obj <> endobj 54 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (ultimately be adopted, whether existing requirements will be repealed or changed, or how or whether such regulations will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (af) Tj ET Q q 0 0 0 rg BT 57.09 723.60 Td (fect our businesses, results of operations, cash flows, or financial condition, require us to raise additional capital, or result in a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (downgrade of our credit ratings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (Most group long-term and short-term disability plans we administer are governed by the Employee Retirement Income Security ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (Act \(ERISA\). Changes to ERISA) Tj ET Q q 0 0 0 rg BT 185.05 675.60 Td ( enacted by Congress or through judicial interpretations may adversely af) Tj ET Q q 0 0 0 rg BT 478.11 675.60 Td (fect the risk to us of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (managing employee benefit plans, increase the premiums associated with such plans, and ultimately af) Tj ET Q q 0 0 0 rg BT 460.03 663.60 Td (fect their af) Tj ET Q q 0 0 0 rg BT 505.93 663.60 Td (fordability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (and our profitability) Tj ET Q q 0 0 0 rg BT 129.39 651.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (The insurance departments in jurisdictions wherein our insurance subsidiaries conduct business may limit our ability to obtain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (rate increases under guaranteed renewable contracts or could require changes in rates and/or benefits to meet minimum loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (ratio requirements which could negatively impact the profitability of our products. Many regulatory and governmental bodies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (have the authority to review our products and business practices and those of our agents and employees. ) Tj ET Q q 0 0 0 rg BT 470.59 591.60 Td (These regulatory or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (governmental bodies may bring regulatory or other legal actions against us if, in their view) Tj ET Q q 0 0 0 rg BT 412.36 579.60 Td (, our practices are improper) Tj ET Q q 0 0 0 rg BT 522.03 579.60 Td (. ) Tj ET Q q 0 0 0 rg BT 529.35 579.60 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (actions could result in substantial fines or restrictions on our business activities and could have a material adverse ef) Tj ET Q q 0 0 0 rg BT 514.19 567.60 Td (fect on our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (business or results of operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (Regulatory examinations or investigations could result in, among other things, changes in our claims handling or other business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (practices, changes in procedures for the identification and payment to the states of benefits and other property that is not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (claimed by the owners, changes in the use and oversight of reinsurance, increases to reserving requirements, changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (governance and other oversight procedures, assessments by tax authorities or other governing agencies, fines, and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (administrative action, which could injure our reputation, adversely af) Tj ET Q q 0 0 0 rg BT 325.90 483.60 Td (fect our issuer credit ratings and financial strength ratings, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (place us at a competitive disadvantage in marketing or administering our products, impair our ability to sell or retain insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (policies, and/or have a material adverse ef) Tj ET Q q 0 0 0 rg BT 217.85 459.60 Td (fect on our results of operations or financial condition. Determination by regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (authorities that we have engaged in improper conduct may also adversely af) Tj ET Q q 0 0 0 rg BT 353.38 447.60 Td (fect our defense of various lawsuits. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (See "Regulation" contained herein in Item 1 and Notes 7 and 14 of the "Notes to Consolidated Financial Statements" contained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (herein in Item 8 for further discussion.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (A) Tj ET Q q 0 0 0 rg BT 56.17 387.60 Td ( cyber) Tj ET Q q 0 0 0 rg BT 82.37 387.60 Td ( attack or) Tj ET Q q 0 0 0 rg BT 123.28 387.60 Td ( other) Tj ET Q q 0 0 0 rg BT 148.37 387.60 Td ( security br) Tj ET Q q 0 0 0 rg BT 197.07 387.60 Td (each could disrupt our) Tj ET Q q 0 0 0 rg BT 293.29 387.60 Td ( operations, r) Tj ET Q q 0 0 0 rg BT 350.05 387.60 Td (esult in the unauthorized disclosur) Tj ET Q q 0 0 0 rg BT 497.11 387.60 Td (e or) Tj ET Q q 0 0 0 rg BT 513.30 387.60 Td ( loss of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (confidential data, damage our) Tj ET Q q 0 0 0 rg BT 177.10 375.60 Td ( r) Tj ET Q q 0 0 0 rg BT 183.86 375.60 Td (eputation or) Tj ET Q q 0 0 0 rg BT 236.17 375.60 Td ( r) Tj ET Q q 0 0 0 rg BT 242.93 375.60 Td (elationships, and expose us to significant financial and legal liability) Tj ET Q q 0 0 0 rg BT 530.76 375.60 Td (, which ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (may adversely affect our) Tj ET Q q 0 0 0 rg BT 154.56 363.60 Td ( business, r) Tj ET Q q 0 0 0 rg BT 201.90 363.60 Td (esults of operations, or) Tj ET Q q 0 0 0 rg BT 298.38 363.60 Td ( financial condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 339.60 Td (e store confidential information about our business and our policyholders, employees, agents and others on our information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (technology systems, including proprietary and personally identifiable information. ) Tj ET Q q 0 0 0 rg BT 383.59 327.60 Td (As part of our normal business operations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (we use this information and engage third-party providers, including outsourcing, cloud computing, and other business partners, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (that store, access, process, and transmit such information on our behalf. ) Tj ET Q q 0 0 0 rg BT 340.35 303.60 Td (W) Tj ET Q q 0 0 0 rg BT 348.99 303.60 Td (e devote significant resources and employ security ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (measures to help protect our information technology systems and confidential information, and we have programs in place to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (detect, contain, and respond to information security incidents. However) Tj ET Q q 0 0 0 rg BT 337.90 279.60 Td (, because the techniques used to obtain unauthorized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (access, disable or degrade service, or sabotage systems change frequently and may be dif) Tj ET Q q 0 0 0 rg BT 405.57 267.60 Td (ficult to detect for long periods of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (time, we and our third-party providers may be unable to anticipate these techniques or implement adequate preventative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (measures. In addition, hardware, software, or applications we develop or procure from third parties or through open source ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (solutions may contain defects in design or manufacture or other problems that could unexpectedly compromise our information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (security) Tj ET Q q 0 0 0 rg BT 80.51 219.60 Td (. Unauthorized parties, whether within or outside our company) Tj ET Q q 0 0 0 rg BT 333.40 219.60 Td (, may disrupt or gain access to our systems, or those of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (third parties with whom we do business, through human error) Tj ET Q q 0 0 0 rg BT 295.73 207.60 Td (, misfeasance, fraud, trickery) Tj ET Q q 0 0 0 rg BT 411.13 207.60 Td (, or other forms of deceit, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (break-ins, use of stolen credentials, social engineering, phishing, or other cyber attacks, computer viruses, malicious codes, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (similar means of unauthorized and destructive tampering.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 159.60 Td (e and our third-party providers have experienced and likely will continue to experience information security incidents from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (time to time. ) Tj ET Q q 0 0 0 rg BT 104.77 147.60 Td (Although known incidents have not had a material ef) Tj ET Q q 0 0 0 rg BT 316.76 147.60 Td (fect on our business or financial condition, there is no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.60 Td (assurance that our security systems and measures will be able to prevent, mitigate, or remediate future incidents that could have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.60 Td (such an ef) Tj ET Q q 0 0 0 rg BT 89.86 123.60 Td (fect. ) Tj ET Q q 0 0 0 rg BT 111.79 123.60 Td (A) Tj ET Q q 0 0 0 rg BT 118.46 123.60 Td ( successful penetration or circumvention of the security of our information technology systems, or those of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (third parties with whom we do business, could cause serious negative consequences for us, including significant disruption of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.60 Td (our operations, unauthorized disclosure or loss of confidential information, harm to our brand or reputation, loss of customers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.60 Td (and revenues, violations of privacy and other laws, and exposure to litigation, monetary damages, regulatory enforcement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.60 Td (proceedings, fines, and potentially criminal proceedings and penalties. If we are unaware of the incident for some time after it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.60 Td (occurs, our exposure could increase. In addition, the costs to address or remediate systems disruptions or security threats or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 51.60 Td (vulnerabilities, whether before or after an incident, could be significant. ) Tj ET Q q 0 0 0 rg BT 341.06 51.60 Td (As we continue to build our digital capabilities and ) Tj ET Q endstream endobj 55 0 obj <> endobj 56 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (focus on enhancing the customer experience, the amount of information that we retain and share with third parties is likely to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (grow) Tj ET Q q 0 0 0 rg BT 69.40 723.60 Td (, increasing the cost to prevent data security breaches and the cost and potential consequences of such breaches. ) Tj ET Q q 0 0 0 rg BT 520.62 723.60 Td (An ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (information technology systems failure could also interfere with our ability to comply with financial reporting and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (regulatory requirements, exposing us to potential disciplinary action by regulators. Further) Tj ET Q q 0 0 0 rg BT 413.73 699.60 Td (, successful cyber) Tj ET Q q 0 0 0 rg BT 484.34 699.60 Td (-attacks at other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (lar) Tj ET Q q 0 0 0 rg BT 59.87 687.60 Td (ge financial institutions or other market participants, whether or not we are af) Tj ET Q q 0 0 0 rg BT 369.30 687.60 Td (fected, could lead to a general loss of customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (and investor confidence in financial institutions that could negatively af) Tj ET Q q 0 0 0 rg BT 336.18 675.60 Td (fect us.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (Although we have insurance against some cyber risks and attacks, we may be subject to litigation and financial losses that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (exceed our policy limits, are subject to deductibles or are not covered under any of our current insurance policies. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (The failur) Tj ET Q q 0 0 0 rg BT 92.38 615.60 Td (e of our) Tj ET Q q 0 0 0 rg BT 124.96 615.60 Td ( business r) Tj ET Q q 0 0 0 rg BT 169.80 615.60 Td (ecovery and incident management pr) Tj ET Q q 0 0 0 rg BT 327.93 615.60 Td (ocesses to r) Tj ET Q q 0 0 0 rg BT 375.51 615.60 Td (esume our) Tj ET Q q 0 0 0 rg BT 419.49 615.60 Td ( business operations in the event ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (of a natural catastr) Tj ET Q q 0 0 0 rg BT 131.25 603.60 Td (ophe, cyber) Tj ET Q q 0 0 0 rg BT 180.51 603.60 Td ( attack, or) Tj ET Q q 0 0 0 rg BT 223.92 603.60 Td ( other) Tj ET Q q 0 0 0 rg BT 249.01 603.60 Td ( event could adversely affect our) Tj ET Q q 0 0 0 rg BT 386.85 603.60 Td ( pr) Tj ET Q q 0 0 0 rg BT 399.17 603.60 Td (ofitability) Tj ET Q q 0 0 0 rg BT 440.29 603.60 Td (, r) Tj ET Q q 0 0 0 rg BT 449.54 603.60 Td (esults of operations, or) Tj ET Q q 0 0 0 rg BT 546.02 603.60 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (financial condition. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (In the event of a disaster such as a natural catastrophe, an epidemic, a cyber attack, cyber security breach or other information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (technology systems failure, a terrorist attack, or war) Tj ET Q q 0 0 0 rg BT 257.08 555.60 Td (, unanticipated problems with our disaster recovery systems could have a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (material adverse impact on our ability to conduct business and on our results of operations and financial condition, particularly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (if those problems af) Tj ET Q q 0 0 0 rg BT 129.02 531.60 Td (fect our information technology systems and destroy valuable data or result in a significant failure of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (internal control environment. In addition, in the event that a significant number of our employees were unavailable in the event ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (of a disaster) Tj ET Q q 0 0 0 rg BT 97.42 507.60 Td (, our ability to ef) Tj ET Q q 0 0 0 rg BT 164.16 507.60 Td (fectively conduct business could be severely compromised. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (The failure of our information technology and/or disaster recovery systems for any reason could cause significant interruptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (or malfunctions in our or our customers) Tj ET Q q 0 0 0 rg BT 210.95 471.60 Td ( operations and result in the loss, theft, or failure to maintain the security) Tj ET Q q 0 0 0 rg BT 501.05 471.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (confidentiality or privacy of sensitive data, including personal information relating to our customers. Such a failure could harm ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (our reputation, subject us to regulatory sanctions, legal claims, and increased expenses, and lead to a loss of customers and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (revenues.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (In addition to inter) Tj ET Q q 0 0 0 rg BT 130.72 411.60 Td (est rate risk as pr) Tj ET Q q 0 0 0 rg BT 204.97 411.60 Td (eviously discussed, we ar) Tj ET Q q 0 0 0 rg BT 310.35 411.60 Td (e exposed to other) Tj ET Q q 0 0 0 rg BT 387.10 411.60 Td ( risks r) Tj ET Q q 0 0 0 rg BT 416.92 411.60 Td (elated to our) Tj ET Q q 0 0 0 rg BT 470.61 411.60 Td ( investment portfolio ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (which may adversely affect our) Tj ET Q q 0 0 0 rg BT 182.63 399.60 Td ( r) Tj ET Q q 0 0 0 rg BT 189.38 399.60 Td (esults of operations, financial condition, or) Tj ET Q q 0 0 0 rg BT 370.60 399.60 Td ( liquidity) Tj ET Q q 0 0 0 rg BT 408.67 399.60 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 375.60 Td (Default Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (Our investment portfolio consists primarily of fixed maturity securities. ) Tj ET Q q 0 0 0 rg BT 340.65 351.60 Td (These securities are issued by both domestic and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (foreign entities and are backed either by collateral or the credit of the underlying issuer) Tj ET Q q 0 0 0 rg BT 397.14 339.60 Td (. Factors such as an economic downturn ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (or political change in the country of the issuer) Tj ET Q q 0 0 0 rg BT 232.93 327.60 Td (, a regulatory change pertaining to the issuer's industry) Tj ET Q q 0 0 0 rg BT 450.97 327.60 Td (, a significant deterioration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (in the cash flows of the issuer) Tj ET Q q 0 0 0 rg BT 167.96 315.60 Td (, unforeseen accounting irregularities or fraud committed by the issuer) Tj ET Q q 0 0 0 rg BT 449.13 315.60 Td (, widening risk spreads, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (ratings downgrades, a change in the issuer's marketplace or business prospects, or other events that adversely af) Tj ET Q q 0 0 0 rg BT 495.98 303.60 Td (fect the issuers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (of these securities may result in the issuer defaulting on its obligations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (Our mortgage loan portfolio has default risk. Events or developments, such as economic conditions that impact the ability of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (tenants to pay their rents or limit the availability of refinancing, may have a negative ef) Tj ET Q q 0 0 0 rg BT 398.08 255.60 Td (fect on our mortgage loan portfolio. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (Events or developments that have a negative ef) Tj ET Q q 0 0 0 rg BT 237.86 243.60 Td (fect on any particular geographic region or sector may have a greater adverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (ef) Tj ET Q q 0 0 0 rg BT 57.09 231.60 Td (fect on an investment portfolio to the extent that the portfolio is concentrated in that region or sector) Tj ET Q q 0 0 0 rg BT 457.25 231.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (A) Tj ET Q q 0 0 0 rg BT 56.17 207.60 Td ( default results in the recognition of an impairment loss on the investment. ) Tj ET Q q 0 0 0 rg BT 358.05 207.60 Td (A) Tj ET Q q 0 0 0 rg BT 364.72 207.60 Td ( default may also adversely af) Tj ET Q q 0 0 0 rg BT 484.22 207.60 Td (fect our ability to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (collect principal and interest due to us. ) Tj ET Q q 0 0 0 rg BT 208.99 195.60 Td (The probability of credit downgrades and defaults increases when the fixed income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (markets experience periods of volatility and illiquidity) Tj ET Q q 0 0 0 rg BT 266.57 183.60 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 159.60 Td (Credit Spread Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.60 Td (Our exposure to credit spreads, which is the yield above comparable U.S. ) Tj ET Q q 0 0 0 rg BT 345.62 135.60 Td (T) Tj ET Q q 0 0 0 rg BT 351.38 135.60 Td (reasury securities, primarily relates to market price ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.60 Td (and cash flow variability associated with changes in credit spreads. ) Tj ET Q q 0 0 0 rg BT 322.20 123.60 Td (A) Tj ET Q q 0 0 0 rg BT 328.87 123.60 Td ( widening of credit spreads may unfavorably impact the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (net unrealized gain or loss position of the investment portfolio and may adversely impact liquidity) Tj ET Q q 0 0 0 rg BT 441.54 111.60 Td (. Credit spread tightening ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.60 Td (may reduce net investment income associated with new purchases of fixed income securities. ) Tj ET Q endstream endobj 57 0 obj <> endobj 58 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (24) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 735.75 Td (V) Tj ET Q q 0 0 0 rg BT 68.56 735.75 Td (aluation Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 711.75 Td (e report our fixed maturity securities and certain other financial instruments at fair value. ) Tj ET Q q 0 0 0 rg BT 418.38 711.75 Td (V) Tj ET Q q 0 0 0 rg BT 424.49 711.75 Td (aluations may include inputs and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.75 Td (assumptions that are less observable or require greater estimation, particularly during periods of market disruption, resulting in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.75 Td (values which may be less than the value at which the investments may ultimately be sold. Further) Tj ET Q q 0 0 0 rg BT 441.79 687.75 Td (, rapidly changing and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.75 Td (unprecedented credit and equity market conditions could materially impact the valuation of securities as reported in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.75 Td (financial statements, and the period to period changes in value could vary significantly) Tj ET Q q 0 0 0 rg BT 395.69 663.75 Td (. Decreases in value may have a material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.75 Td (adverse ef) Tj ET Q q 0 0 0 rg BT 90.13 651.75 Td (fect on our results of operations or financial condition. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 627.75 Td (e evaluate our investment portfolio for impairments. ) Tj ET Q q 0 0 0 rg BT 272.06 627.75 Td (There can be no assurance that we have accurately assessed the level of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.75 Td (impairments taken. ) Tj ET Q q 0 0 0 rg BT 130.59 615.75 Td (Additional impairments may need to be taken in the future, and historical trends may not be indicative of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.75 Td (future impairments. ) Tj ET Q q 0 0 0 rg BT 132.82 603.75 Td (Any event reducing the value of our securities other than on a temporary basis may have a material adverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.75 Td (ef) Tj ET Q q 0 0 0 rg BT 57.09 591.75 Td (fect on our business, results of operations, or financial condition.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 567.75 Td (Market T) Tj ET Q q 0 0 0 rg BT 101.24 567.75 Td (iming and Liquidity Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.75 Td (While we attempt to match our asset cash flows and durations with expected liability cash flows and durations to meet the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.75 Td (funding requirements of our business, there may at times be a lack of appropriate investments in the market which can be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.75 Td (acquired. In addition, we may) Tj ET Q q 0 0 0 rg BT 170.75 519.75 Td (, in certain circumstances, need to sell investments due to changes in regulatory or capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.75 Td (requirements, changes in tax laws, rating agency decisions, and/or unexpected changes in liquidity needs. ) Tj ET Q q 0 0 0 rg BT 476.14 507.75 Td (There may also be a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.75 Td (limited market for certain of our investments, such as our private placement fixed maturity securities, mortgage loans, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.75 Td (policy loans, which makes them more illiquid. In periods of market volatility or disruption, other of our securities may also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.75 Td (experience reduced liquidity) Tj ET Q q 0 0 0 rg BT 162.69 471.75 Td (. If events occur wherein we need to sell securities in an unfavorable interest rate or credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.75 Td (environment or need to quickly sell securities which are illiquid, market prices may be lower than what we might realize under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.75 Td (normal circumstances, with a resulting adverse ef) Tj ET Q q 0 0 0 rg BT 247.30 447.75 Td (fect on our results of operations, financial condition, or liquidity) Tj ET Q q 0 0 0 rg BT 503.54 447.75 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.75 Td (See "Critical ) Tj ET Q q 0 0 0 rg BT 102.46 423.75 Td (Accounting Estimates" included in "Management's Discussion and ) Tj ET Q q 0 0 0 rg BT 371.55 423.75 Td (Analysis of Financial Condition and Results of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.75 Td (Operations" contained herein in Item 7 and Notes 1, 2, 3, and 4 of the "Notes to Consolidated Financial Statements" contained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.75 Td (herein in Item 8 for further discussion of our investments and derivatives. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 375.75 Td (Competition may adversely affect our) Tj ET Q q 0 0 0 rg BT 210.39 375.75 Td ( market shar) Tj ET Q q 0 0 0 rg BT 265.20 375.75 Td (e or) Tj ET Q q 0 0 0 rg BT 281.40 375.75 Td ( pr) Tj ET Q q 0 0 0 rg BT 293.72 375.75 Td (ofitability) Tj ET Q q 0 0 0 rg BT 334.83 375.75 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.75 Td (All of our businesses are highly competitive. ) Tj ET Q q 0 0 0 rg BT 233.45 351.75 Td (W) Tj ET Q q 0 0 0 rg BT 242.09 351.75 Td (e believe that the principal competitive factors af) Tj ET Q q 0 0 0 rg BT 437.65 351.75 Td (fecting our business are price, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.75 Td (the quality of our customer's experience regarding service and claims management, integrated product choices, enrollment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.75 Td (capabilities, financial strength, and claims-paying ratings. ) Tj ET Q q 0 0 0 rg BT 285.36 327.75 Td (W) Tj ET Q q 0 0 0 rg BT 294.00 327.75 Td (e compete for new product sales, the retention of existing business, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.75 Td (and the ability to attract and retain independent agents and brokers to market our products, all of which af) Tj ET Q q 0 0 0 rg BT 471.68 315.75 Td (fect our profitability) Tj ET Q q 0 0 0 rg BT 552.11 315.75 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.75 Td (All areas of the employee benefits markets are highly competitive due to the yearly renewable term nature of the group ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.75 Td (products and the lar) Tj ET Q q 0 0 0 rg BT 128.46 291.75 Td (ge number of insurance companies of) Tj ET Q q 0 0 0 rg BT 278.50 291.75 Td (fering products in this market. ) Tj ET Q q 0 0 0 rg BT 404.13 291.75 Td (There is a risk that our customers may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.75 Td (be able to obtain more favorable terms or improved technology solutions from competitors in lieu of renewing coverage with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.75 Td (us, particularly if industry pricing levels do not align with our view of adequate premium rates. ) Tj ET Q q 0 0 0 rg BT 434.50 267.75 Td (W) Tj ET Q q 0 0 0 rg BT 443.14 267.75 Td (e are operating in a dynamic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.75 Td (competitive environment of both traditional and non-traditional competitors, with changes in product of) Tj ET Q q 0 0 0 rg BT 464.50 255.75 Td (ferings, enrollment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.75 Td (capabilities, and technology solutions. ) Tj ET Q q 0 0 0 rg BT 207.35 243.75 Td (The level and intensity of competition may also grow due to existing competitors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.75 Td (becoming more aggressive, and an increase in mer) Tj ET Q q 0 0 0 rg BT 251.46 231.75 Td (ger and acquisition activity which may result in lar) Tj ET Q q 0 0 0 rg BT 454.56 231.75 Td (ger competitors with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.75 Td (greater financial resources. ) Tj ET Q q 0 0 0 rg BT 162.31 219.75 Td (There are many insurance companies which actively compete with us in our lines of business, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.75 Td (there is no assurance that we will be able to compete ef) Tj ET Q q 0 0 0 rg BT 270.07 207.75 Td (fectively against these companies and new competitors in the future. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.75 Td (See "Competition" contained herein in Item 1 for further discussion.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 171.75 Td (A) Tj ET Q q 0 0 0 rg BT 56.17 171.75 Td ( decr) Tj ET Q q 0 0 0 rg BT 77.37 171.75 Td (ease in our) Tj ET Q q 0 0 0 rg BT 123.29 171.75 Td ( financial str) Tj ET Q q 0 0 0 rg BT 177.00 171.75 Td (ength or) Tj ET Q q 0 0 0 rg BT 212.65 171.75 Td ( issuer) Tj ET Q q 0 0 0 rg BT 239.97 171.75 Td ( cr) Tj ET Q q 0 0 0 rg BT 251.17 171.75 Td (edit ratings may adversely affect our) Tj ET Q q 0 0 0 rg BT 407.34 171.75 Td ( competitive position, our) Tj ET Q q 0 0 0 rg BT 515.48 171.75 Td ( ability to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 159.75 Td (hedge our) Tj ET Q q 0 0 0 rg BT 91.82 159.75 Td ( risks, and our) Tj ET Q q 0 0 0 rg BT 153.32 159.75 Td ( cost of capital or) Tj ET Q q 0 0 0 rg BT 226.46 159.75 Td ( ability to raise capital, which may adversely affect our) Tj ET Q q 0 0 0 rg BT 459.57 159.75 Td ( r) Tj ET Q q 0 0 0 rg BT 466.33 159.75 Td (esults of operations, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 147.75 Td (financial condition, or) Tj ET Q q 0 0 0 rg BT 143.49 147.75 Td ( liquidity) Tj ET Q q 0 0 0 rg BT 181.57 147.75 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 123.75 Td (e compete based in part on the financial strength ratings provided by rating agencies. ) Tj ET Q q 0 0 0 rg BT 401.92 123.75 Td (A) Tj ET Q q 0 0 0 rg BT 408.59 123.75 Td ( downgrade of our financial strength ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.75 Td (ratings may adversely af) Tj ET Q q 0 0 0 rg BT 147.34 111.75 Td (fect us and could potentially) Tj ET Q q 0 0 0 rg BT 259.99 111.75 Td (, among other things, adversely af) Tj ET Q q 0 0 0 rg BT 395.60 111.75 Td (fect our relationships with distributors of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.75 Td (our products and services and retention of our sales force, negatively impact persistency and new sales, and generally adversely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.75 Td (af) Tj ET Q q 0 0 0 rg BT 57.09 87.75 Td (fect our ability to compete. ) Tj ET Q q 0 0 0 rg BT 169.55 87.75 Td (A) Tj ET Q q 0 0 0 rg BT 176.22 87.75 Td ( downgrade in the issuer credit rating assigned to Unum Group can be expected to adversely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.75 Td (af) Tj ET Q q 0 0 0 rg BT 57.09 75.75 Td (fect our cost of capital and our ability to raise additional capital. If we are downgraded significantly) Tj ET Q q 0 0 0 rg BT 457.41 75.75 Td (, ratings triggers in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.75 Td (derivatives financial instrument contracts may result in our counterparties enforcing their option to terminate the derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 51.75 Td (contracts. Such an event may have a material adverse ef) Tj ET Q q 0 0 0 rg BT 275.60 51.75 Td (fect on our financial condition or our ability to hedge our risks. ) Tj ET Q endstream endobj 59 0 obj <> endobj 60 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (See "Ratings" contained herein in Item 1 and in "Management's Discussion and ) Tj ET Q q 0 0 0 rg BT 369.59 735.60 Td (Analysis of Financial Condition and Results of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (Operations" contained herein in Item 7 for further discussion.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (The failur) Tj ET Q q 0 0 0 rg BT 92.38 699.60 Td (e to effectively execute upgrades to or) Tj ET Q q 0 0 0 rg BT 252.13 699.60 Td ( r) Tj ET Q q 0 0 0 rg BT 258.89 699.60 Td (eplacements of information technology systems could adversely affect ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (our) Tj ET Q q 0 0 0 rg BT 64.32 687.60 Td ( business, r) Tj ET Q q 0 0 0 rg BT 111.65 687.60 Td (esults of operations, or) Tj ET Q q 0 0 0 rg BT 208.13 687.60 Td ( financial condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 663.60 Td (e rely heavily on the ef) Tj ET Q q 0 0 0 rg BT 149.86 663.60 Td (fective operation of our information technology systems to administer our business and support the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (investments we are making to of) Tj ET Q q 0 0 0 rg BT 179.56 651.60 Td (fer digital capabilities to enhance our customers' experience. ) Tj ET Q q 0 0 0 rg BT 425.71 651.60 Td (Although we believe we have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (information technology systems which adequately support our business needs, we continually upgrade our existing information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (technology systems and acquire or develop new systems to keep pace with the rapidly changing business and technology ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (environment. ) Tj ET Q q 0 0 0 rg BT 107.36 615.60 Td (There are risks involved with upgrading or replacing information technology systems, including, but not limited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (to, data loss, data errors, and disruption to our operations. ) Tj ET Q q 0 0 0 rg BT 284.55 603.60 Td (W) Tj ET Q q 0 0 0 rg BT 293.19 603.60 Td (e seek to monitor and control our exposure to the risks arising out ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (of these activities through our risk control framework which encompasses a variety of reporting systems, internal controls, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (management review processes, and other mechanisms. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (Events that damage our) Tj ET Q q 0 0 0 rg BT 151.26 555.60 Td ( r) Tj ET Q q 0 0 0 rg BT 158.02 555.60 Td (eputation may adversely affect our) Tj ET Q q 0 0 0 rg BT 306.15 555.60 Td ( business, r) Tj ET Q q 0 0 0 rg BT 353.48 555.60 Td (esults of operations, or) Tj ET Q q 0 0 0 rg BT 449.96 555.60 Td ( financial condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (There are many events which may harm our reputation, including, but not limited to, those discussed in this Item 1A) Tj ET Q q 0 0 0 rg BT 514.96 531.60 Td ( regarding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (regulatory investigations, legal proceedings, and cyber or other information security incidents. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (In addition, as an insurance company) Tj ET Q q 0 0 0 rg BT 197.69 495.60 Td (, we are paid to accept certain risks. ) Tj ET Q q 0 0 0 rg BT 345.50 495.60 Td (Those who conduct our business, including executive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 483.60 Td (ficers and members of management, sales managers, investment professionals, and to some extent, independent agents and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (brokers, do so in part by making decisions that involve exposing us to risk. ) Tj ET Q q 0 0 0 rg BT 354.01 471.60 Td (These include decisions such as maintaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (ef) Tj ET Q q 0 0 0 rg BT 57.09 459.60 Td (fective underwriting and pricing discipline, maintaining ef) Tj ET Q q 0 0 0 rg BT 290.45 459.60 Td (fective claim management and customer service performance, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (managing our investment portfolio and derivatives trading activities, delivering ef) Tj ET Q q 0 0 0 rg BT 377.00 447.60 Td (fective technology solutions, complying with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (established sales practices, executing our capital management strategy) Tj ET Q q 0 0 0 rg BT 329.85 435.60 Td (, exiting a line of business and/or pursuing strategic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (growth initiatives, and other decisions. ) Tj ET Q q 0 0 0 rg BT 208.92 423.60 Td (Although we employ controls and procedures designed to monitor business decisions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (and prevent us from taking excessive risks or unintentionally failing to comply with internal policies and practices such that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (errors occur) Tj ET Q q 0 0 0 rg BT 97.13 399.60 Td (, there can be no assurance that these controls and procedures will be ef) Tj ET Q q 0 0 0 rg BT 382.94 399.60 Td (fective. If our employees and business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (associates take excessive risks and/or fail to comply with internal policies and practices, the impact of those events may damage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (our market position and reputation. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (Depending on the severity of the damage to our reputation, we may be unable to ef) Tj ET Q q 0 0 0 rg BT 380.88 351.60 Td (fectively compete for new products or retain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (our existing business, which could adversely af) Tj ET Q q 0 0 0 rg BT 238.45 339.60 Td (fect our results of operations or financial condition. Damage to our reputation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (may also hinder our ability to raise new capital and/or increase our cost of capital. See "Regulation" contained herein in Item 1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (and Note 14 of the "Notes to Consolidated Financial Statements" contained herein in Item 8 for additional information on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (regulatory matters and legal proceedings.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.95 279.60 Td (e pr) Tj ET Q q 0 0 0 rg BT 75.71 279.60 Td (ovide a br) Tj ET Q q 0 0 0 rg BT 118.30 279.60 Td (oad array of disability) Tj ET Q q 0 0 0 rg BT 212.48 279.60 Td (, long-term car) Tj ET Q q 0 0 0 rg BT 275.88 279.60 Td (e, gr) Tj ET Q q 0 0 0 rg BT 294.58 279.60 Td (oup life, and voluntary insurance pr) Tj ET Q q 0 0 0 rg BT 448.31 279.60 Td (oducts that ar) Tj ET Q q 0 0 0 rg BT 507.57 279.60 Td (e affected by ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (many factors, and changes in any of those factors may adversely affect our) Tj ET Q q 0 0 0 rg BT 366.78 267.60 Td ( r) Tj ET Q q 0 0 0 rg BT 373.54 267.60 Td (esults of operations, financial condition, or) Tj ET Q q 0 0 0 rg BT 554.75 267.60 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (liquidity) Tj ET Q q 0 0 0 rg BT 85.08 255.60 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 231.60 Td (Disability Insurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (Disability insurance may be af) Tj ET Q q 0 0 0 rg BT 171.50 207.60 Td (fected by a number of social, economic, governmental, competitive, and other factors. Changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (in societal attitudes, such as work ethic, motivation, or stability) Tj ET Q q 0 0 0 rg BT 301.58 195.60 Td (, can significantly af) Tj ET Q q 0 0 0 rg BT 383.04 195.60 Td (fect the demand for and underwriting results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (from disability products. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.60 Td (Both economic and societal factors can af) Tj ET Q q 0 0 0 rg BT 216.47 171.60 Td (fect claim incidence and recoveries for disability insurance. Claim incidence and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td (claim recovery rates may be influenced by) Tj ET Q q 0 0 0 rg BT 218.77 159.60 Td (, among other factors, the rate of unemployment and consumer confidence. Claim ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (incidence and claim recovery rates may also be influenced by the emer) Tj ET Q q 0 0 0 rg BT 332.80 147.60 Td (gence of new infectious diseases or illnesses. Claim ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.60 Td (durations may be extended by medical improvements which could extend life expectancies. ) Tj ET Q q 0 0 0 rg BT 420.86 135.60 Td (The relationship between these and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.60 Td (other factors and overall incidence is very complex and will vary due to contract design features and the degree of expertise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (within the insuring or) Tj ET Q q 0 0 0 rg BT 135.70 111.60 Td (ganization to price, underwrite, and adjudicate the claims.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.54 87.60 Td (ithin the group disability market, pricing and renewal actions can be taken to react to higher claim rates. However) Tj ET Q q 0 0 0 rg BT 515.48 87.60 Td (, these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.60 Td (actions take time to implement, and there is a risk that the market will not sustain increased prices. In addition, changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.60 Td (economic and external conditions may not manifest themselves in claims experience for an extended period of time. ) Tj ET Q q 0 0 0 rg BT 518.88 63.60 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 51.60 Td (pricing actions available in the individual disability market dif) Tj ET Q q 0 0 0 rg BT 298.70 51.60 Td (fer among product classes. Our individual noncancelable ) Tj ET Q endstream endobj 61 0 obj <> endobj 62 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (disability policies, in which the policy is guaranteed to be renewable through the life of the policy at a fixed premium, do not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (permit us to adjust premiums on our in-force business. Guaranteed renewable contracts that are not noncancelable can be re-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (priced to reflect adverse experience, but rate changes cannot be implemented as quickly as in the group disability market. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 687.60 Td (Long-term Care Insurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (Long-term care insurance can be af) Tj ET Q q 0 0 0 rg BT 190.63 663.60 Td (fected by a number of demographic, medical, economic, governmental, competitive, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (other factors. Because long-term care insurance is a relatively new product for the insurance industry and is long-duration in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (nature, there is not as much historical data as is available for our other products. ) Tj ET Q q 0 0 0 rg BT 374.22 639.60 Td (This creates a level of uncertainty in properly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (pricing the product and using appropriate assumptions when establishing reserves. Long-term care insurance is guaranteed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (renewable and can be re-priced to reflect adverse experience, but the re-pricing is subject to regulatory approval by our states of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (domicile and may also be subject to approval by jurisdictions in which our policyholders reside. ) Tj ET Q q 0 0 0 rg BT 438.40 603.60 Td (The rate approval process can ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (af) Tj ET Q q 0 0 0 rg BT 57.09 591.60 Td (fect the length of time in which the re-pricing can be implemented, if at all, and the rate increases ultimately approved may be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (favorable or unfavorable relative to assumptions used to establish our reserves. ) Tj ET Q q 0 0 0 rg BT 370.06 579.60 Td (W) Tj ET Q q 0 0 0 rg BT 378.69 579.60 Td (e monitor our own experience and industry ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (studies concerning morbidity) Tj ET Q q 0 0 0 rg BT 165.50 567.60 Td (, mortality) Tj ET Q q 0 0 0 rg BT 206.51 567.60 Td (, and policyholder terminations to understand emer) Tj ET Q q 0 0 0 rg BT 410.44 567.60 Td (ging trends. Changes in actual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (experience relative to our expectations may adversely af) Tj ET Q q 0 0 0 rg BT 274.49 555.60 Td (fect our profitability and reserves. Mortality continues to improve for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (the general population, and life expectancy has increased, which could lengthen the time a claimant receives long-term care ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (benefits and may subject more policyholders to advanced aging and an associated increase in claims incidence. Medical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (advances may continue to have an impact on claim incidence and duration, both favorable and unfavorable. Due to the long ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (duration of the product, the timing and/or amount of our investment cash flows are dif) Tj ET Q q 0 0 0 rg BT 393.96 507.60 Td (ficult to match to those of our maturing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (liabilities. Sustained periods of low or declining interest rates could result in increases in reserves and adversely af) Tj ET Q q 0 0 0 rg BT 509.46 495.60 Td (fect our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (results of operations. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 459.60 Td (Group Life Insurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (Group life insurance may be af) Tj ET Q q 0 0 0 rg BT 173.44 435.60 Td (fected by) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 210.36 435.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.86 435.60 Td (the characteristics of the employees insured, the amount of insurance employees may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (elect voluntarily) Tj ET Q q 0 0 0 rg BT 114.10 423.60 Td (, our risk selection process, our ability to retain employer groups with favorable risk characteristics, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (geographical concentration of employees, and mortality rates. Claim incidence may also be influenced by unexpected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (catastrophic events such as terrorist attacks, natural disasters, and pandemic health events, which may also af) Tj ET Q q 0 0 0 rg BT 485.28 399.60 Td (fect the cost of and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (availability of reinsurance coverage. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 363.60 Td (V) Tj ET Q q 0 0 0 rg BT 68.56 363.60 Td (oluntary Products) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (V) Tj ET Q q 0 0 0 rg BT 55.43 339.60 Td (oluntary products sold in the workplace may be af) Tj ET Q q 0 0 0 rg BT 255.75 339.60 Td (fected by the characteristics of the employees insured, the level of employee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (participation and the amount of insurance the employees elect, our risk selection process, and our ability to retain employer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (groups with favorable risk characteristics. Our voluntary life insurance products generally include interest sensitive forms of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (insurance which contain a guaranteed minimum interest crediting rate. It is possible that our investment returns could be lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (than the guaranteed crediting rate. ) Tj ET Q q 0 0 0 rg BT 190.64 291.60 Td (The non-life contracts are guaranteed renewable and can be repriced to reflect adverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (experience, but rate changes cannot be implemented as quickly as for group disability and group life products. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (See "Reserves for Policy and Contract Benefits" contained herein in Item 1 and "Executive Summary" and "Critical ) Tj ET Q q 0 0 0 rg BT 514.50 255.60 Td (Accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (Estimates" included in "Management's Discussion and ) Tj ET Q q 0 0 0 rg BT 269.43 243.60 Td (Analysis of Financial Condition and Results of Operations" contained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (herein in Item 7 for further discussion. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (Changes in accounting standards may materially affect our) Tj ET Q q 0 0 0 rg BT 301.81 207.60 Td ( financial statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (Our financial statements are subject to the application of generally accepted accounting principles, in the United States, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.60 Td (United Kingdom, and Poland, which are periodically revised and/or expanded. ) Tj ET Q q 0 0 0 rg BT 368.30 171.60 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 417.64 171.60 Td (, we are required to adopt new or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td (revised accounting standards issued by recognized authoritative bodies, including the U.S. Financial ) Tj ET Q q 0 0 0 rg BT 452.46 159.60 Td (Accounting Standards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (Board \(F) Tj ET Q q 0 0 0 rg BT 84.59 147.60 Td (ASB\), the U.K. ) Tj ET Q q 0 0 0 rg BT 148.48 147.60 Td (Accounting Standards Board \(ASB\), and the NAIC. ) Tj ET Q q 0 0 0 rg BT 360.67 147.60 Td (Accounting standards issued by the F) Tj ET Q q 0 0 0 rg BT 509.63 147.60 Td (ASB and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.60 Td (ASB may be influenced by the International ) Tj ET Q q 0 0 0 rg BT 228.06 135.60 Td (Accounting Standards Board \(IASB\). Future accounting standards we adopt, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.60 Td (including the F) Tj ET Q q 0 0 0 rg BT 109.31 123.60 Td (ASB's accounting standard update related to long-duration tar) Tj ET Q q 0 0 0 rg BT 356.14 123.60 Td (get improvements for insurance contracts, will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (change current accounting and disclosure requirements applicable to our financial statements. Such changes may have a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.60 Td (material ef) Tj ET Q q 0 0 0 rg BT 92.35 99.60 Td (fect on our reported results of operations or financial condition. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.60 Td (See Note 1 of the "Notes to Consolidated Financial Statements" contained herein in Item 8 for additional information regarding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.60 Td (accounting updates.) Tj ET Q endstream endobj 63 0 obj <> endobj 64 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (27) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 735.75 Td (Our) Tj ET Q q 0 0 0 rg BT 67.10 735.75 Td ( risk management pr) Tj ET Q q 0 0 0 rg BT 156.08 735.75 Td (ogram may leave us exposed to unidentified or) Tj ET Q q 0 0 0 rg BT 353.94 735.75 Td ( unanticipated risk, which could negatively ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 723.75 Td (affect our) Tj ET Q q 0 0 0 rg BT 90.69 723.75 Td ( business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 699.75 Td (e have devoted significant resources to develop our enterprise risk management program, which has the objective of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.75 Td (managing our strategic, market, credit, insurance, and operations risks, which ultimately impact our reputational risk. However) Tj ET Q q 0 0 0 rg BT 559.50 687.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.75 Td (our program may not be comprehensive, and our methods for monitoring and managing risk may not fully predict or mitigate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.75 Td (future exposures. See "Quantitative and Qualitative Disclosures ) Tj ET Q q 0 0 0 rg BT 308.79 663.75 Td (About Market Risk" contained herein in Item 7A) Tj ET Q q 0 0 0 rg BT 504.22 663.75 Td ( for further ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.75 Td (information about our risk management program. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 627.75 Td (Litigation and contingencies ar) Tj ET Q q 0 0 0 rg BT 181.82 627.75 Td (e common in our) Tj ET Q q 0 0 0 rg BT 253.58 627.75 Td ( businesses and may r) Tj ET Q q 0 0 0 rg BT 346.20 627.75 Td (esult in financial losses and/or) Tj ET Q q 0 0 0 rg BT 473.82 627.75 Td ( harm to our) Tj ET Q q 0 0 0 rg BT 527.80 627.75 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 615.75 Td (r) Tj ET Q q 0 0 0 rg BT 53.76 615.75 Td (eputation. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 603.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 591.75 Td (e are, and in the future may be, defendants in a number of litigation matters, and the outcome of this litigation is uncertain. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.75 Td (Some of these proceedings have been brought on behalf of various alleged classes of complainants. Plaintif) Tj ET Q q 0 0 0 rg BT 481.14 579.75 Td (fs in class action ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.75 Td (and other lawsuits against us may seek very lar) Tj ET Q q 0 0 0 rg BT 237.60 567.75 Td (ge and/or indeterminate amounts, including punitive and treble damages. ) Tj ET Q q 0 0 0 rg BT 533.63 567.75 Td (An ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.75 Td (estimated loss is accrued when it is both probable that a liability has been incurred and the amount of the loss can be reasonably ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.75 Td (estimated. ) Tj ET Q q 0 0 0 rg BT 94.77 543.75 Td (An adverse outcome in one or more of these actions may) Tj ET Q q 0 0 0 rg BT 321.82 543.75 Td (, depending on the nature, scope and amount of the ruling, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.75 Td (materially and adversely af) Tj ET Q q 0 0 0 rg BT 157.88 531.75 Td (fect our results of operations or financial condition, encourage other litigation, and limit our ability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.75 Td (to write new business, particularly if the adverse outcomes negatively impact certain of our ratings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.75 Td (As part of our normal operations in managing claims, we are engaged in claim litigation where disputes arise as a result of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.75 Td (denial or termination of benefits. ) Tj ET Q q 0 0 0 rg BT 185.67 483.75 Td (T) Tj ET Q q 0 0 0 rg BT 191.08 483.75 Td (ypically those lawsuits are filed on behalf of a single claimant or policyholder) Tj ET Q q 0 0 0 rg BT 502.25 483.75 Td (, and in some ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.75 Td (of these individual actions punitive damages are sought, such as claims alleging bad faith in the handling of insurance claims. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.75 Td (For our general claim litigation, we maintain reserves based on experience to satisfy judgments and settlements in the normal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.75 Td (course. ) Tj ET Q q 0 0 0 rg BT 82.92 447.75 Td (W) Tj ET Q q 0 0 0 rg BT 91.56 447.75 Td (e expect that the ultimate liability) Tj ET Q q 0 0 0 rg BT 225.03 447.75 Td (, if any) Tj ET Q q 0 0 0 rg BT 252.42 447.75 Td (, with respect to general claim litigation, after consideration of the reserves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.75 Td (maintained, will not be material to our financial condition. Nevertheless, given the inherent unpredictability of litigation, it is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.75 Td (possible that an adverse outcome in certain claim litigation involving punitive damages may) Tj ET Q q 0 0 0 rg BT 417.64 423.75 Td (, from time to time, have a material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.75 Td (adverse ef) Tj ET Q q 0 0 0 rg BT 90.13 411.75 Td (fect on our results of operations. ) Tj ET Q q 0 0 0 rg BT 224.35 411.75 Td (W) Tj ET Q q 0 0 0 rg BT 232.99 411.75 Td (e are unable to estimate a range of reasonably possible punitive losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.75 Td (See "Critical ) Tj ET Q q 0 0 0 rg BT 102.46 387.75 Td (Accounting Estimates" included in "Management's Discussion and ) Tj ET Q q 0 0 0 rg BT 371.55 387.75 Td (Analysis of Financial Condition and Results of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.75 Td (Operations" contained herein in Item 7 and Note 14 of the "Notes to Consolidated Financial Statements" contained herein in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.75 Td (Item 8 for additional information on legal proceedings.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 339.75 Td (Reinsurance may not be available or) Tj ET Q q 0 0 0 rg BT 205.14 339.75 Td ( affordable, or) Tj ET Q q 0 0 0 rg BT 266.34 339.75 Td ( r) Tj ET Q q 0 0 0 rg BT 273.10 339.75 Td (einsur) Tj ET Q q 0 0 0 rg BT 299.59 339.75 Td (ers may be unwilling or) Tj ET Q q 0 0 0 rg BT 399.96 339.75 Td ( unable to meet their) Tj ET Q q 0 0 0 rg BT 488.10 339.75 Td ( obligations ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 327.75 Td (under) Tj ET Q q 0 0 0 rg BT 74.88 327.75 Td ( our) Tj ET Q q 0 0 0 rg BT 92.20 327.75 Td ( r) Tj ET Q q 0 0 0 rg BT 98.96 327.75 Td (einsurance contracts, which may adversely affect our) Tj ET Q q 0 0 0 rg BT 325.12 327.75 Td ( r) Tj ET Q q 0 0 0 rg BT 331.88 327.75 Td (esults of operations or) Tj ET Q q 0 0 0 rg BT 425.86 327.75 Td ( financial condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.75 Td (As part of our overall risk management and capital management strategies, we purchase reinsurance for certain risks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.75 Td (underwritten by our various businesses. Market conditions beyond our control determine the availability and cost of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.75 Td (reinsurance. ) Tj ET Q q 0 0 0 rg BT 102.53 279.75 Td (Any decrease in the amount of reinsurance will increase our risk of loss and may impact the level of capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.75 Td (requirements for our insurance subsidiaries, and any increase in the cost of reinsurance will, absent a decrease in the amount of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.75 Td (reinsurance, reduce our results of operations. ) Tj ET Q q 0 0 0 rg BT 233.60 255.75 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 282.94 255.75 Td (, we may be forced to incur additional expenses for reinsurance or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.75 Td (may be unable to obtain suf) Tj ET Q q 0 0 0 rg BT 160.13 243.75 Td (ficient reinsurance on acceptable terms, which may adversely af) Tj ET Q q 0 0 0 rg BT 416.21 243.75 Td (fect our ability to write future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.75 Td (business, result in the assumption of more risk with respect to the policies we issue, and increase our capital requirements. ) Tj ET Q q 0 0 0 rg BT 543.08 231.75 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.75 Td (collectibility of our reinsurance recoverable is primarily a function of the solvency of the individual reinsurers. ) Tj ET Q q 0 0 0 rg BT 497.50 219.75 Td (W) Tj ET Q q 0 0 0 rg BT 506.14 219.75 Td (e cannot ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.75 Td (provide assurance that our reinsurers will pay the reinsurance recoverables owed to us or that they will pay these recoverables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.75 Td (on a timely basis. ) Tj ET Q q 0 0 0 rg BT 124.31 195.75 Td (The insolvency of a reinsurer or the inability or unwillingness of a reinsurer to comply with the terms of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.75 Td (reinsurance contract may have an adverse ef) Tj ET Q q 0 0 0 rg BT 226.44 183.75 Td (fect on our results of operations or financial condition. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 159.75 Td (The effectiveness of our) Tj ET Q q 0 0 0 rg BT 150.13 159.75 Td ( hedging pr) Tj ET Q q 0 0 0 rg BT 198.85 159.75 Td (ograms may be affected by changes in the economic envir) Tj ET Q q 0 0 0 rg BT 443.35 159.75 Td (onment, changes in inter) Tj ET Q q 0 0 0 rg BT 548.17 159.75 Td (est ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 147.75 Td (rates, capital market volatility) Tj ET Q q 0 0 0 rg BT 177.81 147.75 Td (, non-performance by our) Tj ET Q q 0 0 0 rg BT 287.62 147.75 Td ( counterparties, changes in the level of r) Tj ET Q q 0 0 0 rg BT 457.41 147.75 Td (equir) Tj ET Q q 0 0 0 rg BT 480.00 147.75 Td (ed collateral, or) Tj ET Q q 0 0 0 rg BT 546.74 147.75 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 135.75 Td (r) Tj ET Q q 0 0 0 rg BT 53.76 135.75 Td (egulation, which may adversely affect our) Tj ET Q q 0 0 0 rg BT 231.33 135.75 Td ( r) Tj ET Q q 0 0 0 rg BT 238.09 135.75 Td (esults of operations, financial condition, or) Tj ET Q q 0 0 0 rg BT 419.30 135.75 Td ( liquidity) Tj ET Q q 0 0 0 rg BT 457.38 135.75 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 111.75 Td (e use derivative financial instruments to help us manage certain risks related to our business operations, primarily interest rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.75 Td (risk, risk related to matching duration for our assets and liabilities, and foreign currency risk. Factors associated with derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.75 Td (financial instruments could adversely af) Tj ET Q q 0 0 0 rg BT 209.27 87.75 Td (fect our results of operations, financial condition, or liquidity) Tj ET Q q 0 0 0 rg BT 453.00 87.75 Td (. Inef) Tj ET Q q 0 0 0 rg BT 476.42 87.75 Td (fectiveness of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.75 Td (hedges due to changes in expected future events, such as the risk created by uncertainty in the economic environment or if our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.75 Td (counterparties fail or refuse to honor their obligations under these derivative instruments, may have a material adverse ef) Tj ET Q q 0 0 0 rg BT 532.48 63.75 Td (fect on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 51.75 Td (our results of operations or financial condition. Capital market turmoil may result in an increase in the risk of non-performance ) Tj ET Q endstream endobj 65 0 obj <> endobj 66 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (28) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (by our counterparties, many of which are financial institutions. Non-performance by our counterparties may force us to unwind ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (hedges, and we may be unable to replace the hedge, thereby leaving the risk unhedged. Under the terms of our hedging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (contracts, we are required to post collateral and to maintain a certain level of collateral, which may adversely af) Tj ET Q q 0 0 0 rg BT 495.79 711.60 Td (fect our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (liquidity and could subject us to the credit risk of the counterparty to the extent it holds such collateral. Changes in regulations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (may have an adverse ef) Tj ET Q q 0 0 0 rg BT 143.16 687.60 Td (fect on our ability to execute hedging strategies due to the increased economic cost of derivatives, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (primarily as a result of more restrictive collateral requirements. ) Tj ET Q q 0 0 0 rg BT 307.27 675.60 Td (W) Tj ET Q q 0 0 0 rg BT 315.91 675.60 Td (e are monitoring the developments surrounding the transition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (from the London Interbank Of) Tj ET Q q 0 0 0 rg BT 170.95 663.60 Td (fered Rate \(LIBOR\) expected to occur in 2021 and the impact, if any) Tj ET Q q 0 0 0 rg BT 446.03 663.60 Td (, to our existing and future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (derivative financial instruments and our hedging programs. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (Curr) Tj ET Q q 0 0 0 rg BT 70.98 627.60 Td (ency translation could materially impact our) Tj ET Q q 0 0 0 rg BT 261.06 627.60 Td ( r) Tj ET Q q 0 0 0 rg BT 267.82 627.60 Td (eported operating r) Tj ET Q q 0 0 0 rg BT 350.95 627.60 Td (esults.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (The functional currency of our U.K. and Polish operations is the British pound sterling and the Polish zloty) Tj ET Q q 0 0 0 rg BT 477.39 603.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 530.05 603.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (Fluctuations in exchange rates have an ef) Tj ET Q q 0 0 0 rg BT 214.26 591.60 Td (fect on our reported financial results, which may be unfavorably impacted when the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (functional currency weakens. However) Tj ET Q q 0 0 0 rg BT 208.20 579.60 Td (, it is important to distinguish between translating and converting foreign currency) Tj ET Q q 0 0 0 rg BT 536.91 579.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (Except for a limited number of transactions, we do not actually convert our functional currency into dollars. ) Tj ET Q q 0 0 0 rg BT 485.48 567.60 Td (As a result, we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (view foreign currency translation as a financial reporting item and not a reflection of operations or profitability in the U.K or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (Poland.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (Unum Gr) Tj ET Q q 0 0 0 rg BT 90.71 519.60 Td (oup depends on the ability of its subsidiaries to transfer) Tj ET Q q 0 0 0 rg BT 326.95 519.60 Td ( funds to it so that it can meet its obligations and pay ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (dividends. Our) Tj ET Q q 0 0 0 rg BT 115.73 507.60 Td ( ability to transfer) Tj ET Q q 0 0 0 rg BT 193.04 507.60 Td ( funds to Unum Gr) Tj ET Q q 0 0 0 rg BT 273.98 507.60 Td (oup may be impair) Tj ET Q q 0 0 0 rg BT 354.64 507.60 Td (ed by adverse financial r) Tj ET Q q 0 0 0 rg BT 459.46 507.60 Td (esults or) Tj ET Q q 0 0 0 rg BT 495.11 507.60 Td ( a change in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (capital r) Tj ET Q q 0 0 0 rg BT 85.14 495.60 Td (equir) Tj ET Q q 0 0 0 rg BT 107.74 495.60 Td (ements. ) Tj ET Q q 0 0 0 rg BT 144.68 495.60 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 196.35 495.60 Td (, internal sour) Tj ET Q q 0 0 0 rg BT 256.44 495.60 Td (ces of capital and liquidity may not always be sufficient. If we need to ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (seek external capital, adverse market conditions may affect our) Tj ET Q q 0 0 0 rg BT 318.99 483.60 Td ( access to capital or) Tj ET Q q 0 0 0 rg BT 401.56 483.60 Td ( our) Tj ET Q q 0 0 0 rg BT 418.88 483.60 Td ( cost of capital.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (Unum Group is a holding company for insurance and other subsidiaries and has no significant operations of its own. Our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (insurance subsidiaries are subject to insurance laws and regulatory limitations on the payment of dividends and on other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (transfers of funds or other assets to af) Tj ET Q q 0 0 0 rg BT 199.55 435.60 Td (filiates, including to Unum Group. ) Tj ET Q q 0 0 0 rg BT 342.69 435.60 Td (The level of earnings and capital in our subsidiaries, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (as well as business conditions and rating agency considerations, could impact our insurance and other subsidiaries' ability to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (pay dividends or to make other transfers of funds to Unum Group, which could impair our ability to pay dividends to Unum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (Group's common stockholders, meet our debt and other payment obligations, and/or repurchase shares of Unum Group's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (common stock. ) Tj ET Q q 0 0 0 rg BT 115.42 387.60 Td (The use of funds held by Unum Group as consideration in any acquisition could af) Tj ET Q q 0 0 0 rg BT 445.73 387.60 Td (fect our capital plan and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (render those funds unavailable for other corporate purposes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (A) Tj ET Q q 0 0 0 rg BT 56.17 351.60 Td ( change in demand for our insurance products or an increase in the incidence of new claims or the duration of existing claims ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (could negatively impact our cash flows from operations. Deterioration in the credit market, which could delay our ability to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (sell our positions in certain of our fixed maturity securities in a timely manner) Tj ET Q q 0 0 0 rg BT 361.52 327.60 Td (, could also negatively impact our cash flows. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (Regulatory changes such as those discussed herein in this Item 1A) Tj ET Q q 0 0 0 rg BT 314.45 315.60 Td ( may impose higher capital or reserve requirements on our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (insurance subsidiaries, increase collateral requirements for certain of our derivatives transactions, and/or implement other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (requirements which could unfavorably af) Tj ET Q q 0 0 0 rg BT 214.26 291.60 Td (fect our liquidity) Tj ET Q q 0 0 0 rg BT 280.82 291.60 Td (. ) Tj ET Q q 0 0 0 rg BT 288.14 291.60 Td (W) Tj ET Q q 0 0 0 rg BT 297.18 291.60 Td (ithout suf) Tj ET Q q 0 0 0 rg BT 335.05 291.60 Td (ficient liquidity) Tj ET Q q 0 0 0 rg BT 396.34 291.60 Td (, our ability to maintain and grow our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (operations would be limited. If our internal sources of liquidity prove to be insuf) Tj ET Q q 0 0 0 rg BT 373.97 279.60 Td (ficient, we may be unable to successfully ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (obtain additional financing and capital on favorable terms, or at all, which may adversely af) Tj ET Q q 0 0 0 rg BT 416.41 267.60 Td (fect us. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (If our financial results are unfavorable, we may need to increase our capital in order to maintain our credit ratings or satisfy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (regulatory requirements. Maintaining appropriate levels of statutory surplus is considered important not only by us but by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (insurance regulatory authorities in the U.S., the PRA) Tj ET Q q 0 0 0 rg BT 260.02 219.60 Td ( in the U.K., the KNF in Poland, and the rating agencies that rate insurers' ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (claims-paying abilities and financial strength. Failure to maintain certain levels of statutory surplus could result in increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (regulatory scrutiny) Tj ET Q q 0 0 0 rg BT 124.66 195.60 Td (, action by regulatory authorities, or a downgrade by the rating agencies. Need for additional capital may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (limit a subsidiary's ability to distribute funds to our holding companies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td (Obtaining financing for even a small amount of capital could be challenging in unfavorable market conditions and during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (periods of economic uncertainty) Tj ET Q q 0 0 0 rg BT 177.97 147.60 Td (. ) Tj ET Q q 0 0 0 rg BT 185.29 147.60 Td (The markets may exert downward pressure on availability of liquidity and credit capacity for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.60 Td (certain issuers. ) Tj ET Q q 0 0 0 rg BT 113.74 135.60 Td (The availability of financing will depend on a variety of factors such as market conditions, the general ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.60 Td (availability of credit, the overall availability of credit to the financial services industry) Tj ET Q q 0 0 0 rg BT 393.45 123.60 Td (, our credit ratings and credit capacity) Tj ET Q q 0 0 0 rg BT 544.12 123.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (and the possibility that customers or lenders could develop a negative perception of our financial prospects. Similarly) Tj ET Q q 0 0 0 rg BT 520.95 111.60 Td (, our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.60 Td (access to funds may be impaired if regulatory authorities or rating agencies take negative actions against us. Raising capital in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.60 Td (unfavorable market conditions could increase our interest expense or negatively impact our shareholders through increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.60 Td (dilution of their common stock in Unum Group. ) Tj ET Q endstream endobj 67 0 obj <> endobj 68 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (29) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 735.60 Td (e rely on our credit facility as a potential source of liquidity) Tj ET Q q 0 0 0 rg BT 295.47 735.60 Td (. Our right to borrow funds under this facility is subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (financial covenants, negative covenants, and events of default. Our ability to borrow under this facility is also subject to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (continued willingness and ability of the lenders to provide funds. Our failure to comply with the covenants in the credit facility ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (or the failure of lenders to fund their lending commitments would restrict our ability to access this facility when needed, with a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (resulting adverse ef) Tj ET Q q 0 0 0 rg BT 127.62 687.60 Td (fect on our results of operations, financial condition, or liquidity) Tj ET Q q 0 0 0 rg BT 383.86 687.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 663.60 Td (e are also monitoring the developments surrounding the transition from LIBOR to determine the impact, if any) Tj ET Q q 0 0 0 rg BT 500.44 663.60 Td (, to our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (existing and future debt arrangements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (See "Regulation" contained herein in Item 1,"Liquidity and Capital Resources" included in "Management's Discussion and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (Analysis of Financial Condition and Results of Operations" contained herein in Item 7, and Notes 8 and 15 of the "Notes to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (Consolidated Financial Statements" contained herein in Item 8 for further discussion.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.95 579.60 Td (e have assets which may not be fully r) Tj ET Q q 0 0 0 rg BT 219.32 579.60 Td (ecoverable or) Tj ET Q q 0 0 0 rg BT 276.61 579.60 Td ( r) Tj ET Q q 0 0 0 rg BT 283.37 579.60 Td (ealizable, which could adversely affect our) Tj ET Q q 0 0 0 rg BT 463.71 579.60 Td ( r) Tj ET Q q 0 0 0 rg BT 470.47 579.60 Td (esults of operations ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (or) Tj ET Q q 0 0 0 rg BT 58.76 567.60 Td ( financial condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (If our business does not perform well or as initially anticipated in our assumptions, we may be required to accelerate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (amortization or recognize an impairment loss on intangible assets or long-lived assets or to establish a valuation allowance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (against the deferred income tax asset. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 495.60 Td (e have intangible assets such as deferred acquisition costs \(DAC\), value of business acquired \(VOBA\), and goodwill. DAC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (and ) Tj ET Q q 0 0 0 rg BT 66.26 483.60 Td (VOBA) Tj ET Q q 0 0 0 rg BT 94.04 483.60 Td ( are amortized based primarily upon expected future premium income of the related insurance policies. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (Recoverability testing for DAC and ) Tj ET Q q 0 0 0 rg BT 194.56 471.60 Td (VOBA) Tj ET Q q 0 0 0 rg BT 222.35 471.60 Td ( is performed on an annual basis. Insurance contracts are grouped on a basis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (consistent with our manner of acquiring, servicing, and measuring profitability of the contracts. If recoverability testing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (indicates that either DAC and/or ) Tj ET Q q 0 0 0 rg BT 181.78 447.60 Td (VOBA) Tj ET Q q 0 0 0 rg BT 209.56 447.60 Td ( are not recoverable, the deficiency is char) Tj ET Q q 0 0 0 rg BT 378.73 447.60 Td (ged to expense. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (Goodwill is not amortized, but on an annual basis, or more frequently if necessary) Tj ET Q q 0 0 0 rg BT 377.38 423.60 Td (, we review the carrying amount of goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (for indications of impairment, considering in that review the financial performance and other relevant factors. In accordance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (with accounting guidance, we test for impairment at either the operating segment level or one level below) Tj ET Q q 0 0 0 rg BT 471.76 399.60 Td (. In addition, certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (events including, but not limited to, a significant adverse change in legal factors or the business environment, an adverse action ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (by a regulator or rating agency) Tj ET Q q 0 0 0 rg BT 171.85 375.60 Td (, or unanticipated competition would cause us to review goodwill for impairment more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (frequently than annually) Tj ET Q q 0 0 0 rg BT 146.59 363.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (Long-lived assets, including assets such as real estate and information technology software, also require impairment testing to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (determine whether changes in circumstances indicate that we may be unable to recover the carrying amount. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 303.60 Td (e assess our deferred tax assets to determine if they are realizable. Factors in our determination include the performance of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (the business, including the ability to generate future taxable income. If based on available information, it is more likely than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (not that the deferred income tax asset will not be realized, a valuation allowance is established with a corresponding char) Tj ET Q q 0 0 0 rg BT 533.04 279.60 Td (ge to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (net income. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (Char) Tj ET Q q 0 0 0 rg BT 68.76 243.60 Td (ges such as accelerated amortization, impairment losses, or the establishment of valuation allowances could have a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (material adverse ef) Tj ET Q q 0 0 0 rg BT 125.38 231.60 Td (fect on our results of operations or financial condition. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (See "Executive Summary" and "Critical ) Tj ET Q q 0 0 0 rg BT 211.43 207.60 Td (Accounting Estimates" included in "Management's Discussion and ) Tj ET Q q 0 0 0 rg BT 480.52 207.60 Td (Analysis of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (Financial Condition and Results of Operations" contained herein in Item 7 and Notes 1, 7, and 13 of the "Notes to Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (Financial Statements" contained herein in Item 8.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td (The continued thr) Tj ET Q q 0 0 0 rg BT 126.55 159.60 Td (eat of terr) Tj ET Q q 0 0 0 rg BT 169.11 159.60 Td (orism and ongoing military actions may adversely affect the value of certain assets in our) Tj ET Q q 0 0 0 rg BT 547.78 159.60 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (investment portfolio, disrupt our) Tj ET Q q 0 0 0 rg BT 189.32 147.60 Td ( operations, or) Tj ET Q q 0 0 0 rg BT 251.08 147.60 Td ( r) Tj ET Q q 0 0 0 rg BT 257.83 147.60 Td (esult in higher) Tj ET Q q 0 0 0 rg BT 318.77 147.60 Td ( claim costs.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 135.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.60 Td (The continued threat of terrorism, both within the U.S. and abroad, ongoing military actions, and heightened security measures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (in response to these types of threats may cause significant volatility in the global financial markets and result in loss of life, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.60 Td (property damage, business disruption, and reduced economic activity) Tj ET Q q 0 0 0 rg BT 325.72 99.60 Td (. Some of the assets in our investment portfolio may be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.60 Td (adversely af) Tj ET Q q 0 0 0 rg BT 97.90 87.60 Td (fected by declines in the credit and equity markets and reduced economic activity caused by the continued threat of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.60 Td (terrorism. ) Tj ET Q q 0 0 0 rg BT 93.47 75.60 Td (T) Tj ET Q q 0 0 0 rg BT 98.88 75.60 Td (errorist actions also could disrupt our operations centers in the U.S. or abroad. In addition, the occurrence of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.60 Td (terrorist actions could result in higher claims under our insurance policies than anticipated. Beyond obtaining insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 51.60 Td (coverage for our facilities, there are few) Tj ET Q q 0 0 0 rg BT 209.04 51.60 Td (, if any) Tj ET Q q 0 0 0 rg BT 236.43 51.60 Td (, commercial options through which to transfer the exposure from extreme events ) Tj ET Q endstream endobj 69 0 obj <> endobj 70 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (away from us. ) Tj ET Q q 0 0 0 rg BT 111.25 735.60 Td (W) Tj ET Q q 0 0 0 rg BT 119.89 735.60 Td (e purchase reinsurance protection against catastrophic disaster events, including terrorism. ) Tj ET Q q 0 0 0 rg BT 485.96 735.60 Td (The continued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (threat of terrorism could result in increased reinsurance prices and reduced insurance coverage and potentially cause us to retain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (more risk than we otherwise would retain if we were able to obtain reinsurance at lower prices. See "Reinsurance" contained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (herein in Item 1 for further discussion.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (ITEM 1B. UNRESOL) Tj ET Q q 0 0 0 rg BT 142.77 675.60 Td (VED ST) Tj ET Q q 0 0 0 rg BT 177.87 675.60 Td (AFF) Tj ET Q q 0 0 0 rg BT 196.94 675.60 Td ( COMMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (None) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (ITEM 2. PROPER) Tj ET Q q 0 0 0 rg BT 129.43 627.60 Td (TIES ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.94 603.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.53 603.60 Td (, we owned approximately 2.3 million square feet of of) Tj ET Q q 0 0 0 rg BT 372.56 603.60 Td (fice space, comprised of five campuses located ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (in Chattanooga, ) Tj ET Q q 0 0 0 rg BT 115.14 591.60 Td (T) Tj ET Q q 0 0 0 rg BT 120.55 591.60 Td (ennessee; Portland, Maine; Columbia, South Carolina; Baton Rouge, Louisiana; and Dorking in the United ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (Kingdom. In addition, as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.04 579.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.63 579.60 Td (, we leased approximately 0.2 million square feet of of) Tj ET Q q 0 0 0 rg BT 461.99 579.60 Td (fice space in ) Tj ET Q q 0 0 0 rg BT 514.28 579.60 Td (W) Tj ET Q q 0 0 0 rg BT 522.91 579.60 Td (orcester) Tj ET Q q 0 0 0 rg BT 554.16 579.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (Massachusetts and approximately 0.7 million square feet in various other locations throughout the United States, the United ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (Kingdom, Ireland, and Poland. ) Tj ET Q q 0 0 0 rg BT 177.26 555.60 Td (All of the properties owned or leased are used by one or more of all five reporting segments, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (depending on the location. ) Tj ET Q q 0 0 0 rg BT 160.40 543.60 Td (W) Tj ET Q q 0 0 0 rg BT 169.04 543.60 Td (e believe our properties and facilities are suitable and adequate for current operations.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (ITEM 3. LEGAL) Tj ET Q q 0 0 0 rg BT 123.13 519.60 Td ( PROCEEDINGS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (Refer to Note 14 of the "Notes to Consolidated Financial Statements" contained herein in Item 8 for information on legal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (proceedings.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (ITEM 4. MINE SAFETY) Tj ET Q q 0 0 0 rg BT 157.47 459.60 Td ( DISCLOSURES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (Not ) Tj ET Q q 0 0 0 rg BT 66.45 435.60 Td (Applicable) Tj ET Q endstream endobj 71 0 obj <> endobj 72 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (31) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 290.10 735.75 Td (P) Tj ET Q q 0 0 0 rg BT 295.47 735.75 Td (AR) Tj ET Q q 0 0 0 rg BT 309.56 735.75 Td (T) Tj ET Q q 0 0 0 rg BT 316.05 735.75 Td ( II) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (ITEM 5. MARKET) Tj ET Q q 0 0 0 rg BT 133.49 711.75 Td ( FOR REGISTRANT'S COMMON EQUITY) Tj ET Q q 0 0 0 rg BT 326.48 711.75 Td (, RELA) Tj ET Q q 0 0 0 rg BT 358.52 711.75 Td (TED ST) Tj ET Q q 0 0 0 rg BT 393.63 711.75 Td (OCKHOLDER MA) Tj ET Q q 0 0 0 rg BT 478.17 711.75 Td (TTERS ) Tj ET Q q 0 0 0 rg BT 512.91 711.75 Td (AND ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 699.75 Td (ISSUER PURCHASES OF) Tj ET Q q 0 0 0 rg BT 164.71 699.75 Td ( EQUITY) Tj ET Q q 0 0 0 rg BT 206.29 699.75 Td ( SECURITIES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.75 Td (Common stock of Unum Group is traded on the New ) Tj ET Q q 0 0 0 rg BT 264.10 675.75 Td (Y) Tj ET Q q 0 0 0 rg BT 270.32 675.75 Td (ork Stock Exchange. ) Tj ET Q q 0 0 0 rg BT 358.17 675.75 Td (The stock symbol is UNM. Quarterly dividends ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.75 Td (declared and paid per share of common stock are as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 653.25 439.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.75 653.25 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 625.25 439.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.75 625.25 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 597.25 439.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.75 597.25 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 569.25 439.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.75 569.25 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 541.25 439.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.75 541.25 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 513.25 439.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.75 513.25 79.00 -14.00 re f /GS0 gs BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 643.93 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 629.82 Td (4th Quarter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.25 629.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 629.82 Td (0.26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 615.82 Td (3rd Quarter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 615.82 Td (0.26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 601.82 Td (2nd Quarter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 601.82 Td (0.23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 587.82 Td (1st Quarter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 587.82 Td (0.23) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 559.93 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 545.82 Td (4th Quarter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.25 545.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 545.82 Td (0.23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 531.82 Td (3rd Quarter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 531.82 Td (0.23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 517.82 Td (2nd Quarter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 517.82 Td (0.20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 503.82 Td (1st Quarter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 503.82 Td (0.20) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 475.75 Td (Our board of directors has the authority to declare cash dividends on shares of our common stock. In determining dividends, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 463.75 Td (board takes into account a number of factors including our financial condition and results of operations, regulatory limitations on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 451.75 Td (the payment of dividends from subsidiaries, cash requirements, general economic conditions, and other factors the board may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 439.75 Td (deem relevant.For information on restrictions relating to our subsidiaries' ability to pay dividends to Unum Group and certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 427.75 Td (of its intermediate holding company subsidiaries, see "Liquidity and Capital Resources - Cash ) Tj ET Q q 0 0 0 rg BT 427.95 427.75 Td (A) Tj ET Q q 0 0 0 rg BT 434.43 427.75 Td (vailable from Subsidiaries" ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 415.75 Td (contained herein in Item 7 and Note 15 of the "Notes to Consolidated Financial Statements" contained herein in Item 8. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 403.75 Td (information relating to compensation plans under which Unum Group's equity securities are authorized for issuance, see Item 12 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 391.75 Td (contained herein.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 367.75 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.94 367.75 Td (February15, 2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.54 367.75 Td (, there were 9,157 registered holders of common stock.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 343.75 Td (The following table provides information about our share repurchase activity for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.84 343.75 Td (fourth) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.27 343.75 Td ( quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.42 343.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.42 343.75 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 279.25 162.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.25 279.25 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.25 279.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.25 279.25 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.25 279.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.25 279.25 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.25 279.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.25 279.25 109.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 251.25 162.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.25 251.25 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.25 251.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.25 251.25 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.25 251.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.25 251.25 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.25 251.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.25 251.25 109.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 211.25 279.25 m 280.25 279.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.25 279.25 m 353.25 279.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.25 279.25 m 453.25 279.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.25 279.25 m 566.25 279.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.25 279.25 m 453.25 279.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.25 237.25 m 453.25 237.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 211.25 237.25 m 280.25 237.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 211.25 224.25 m 280.25 224.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 211.25 222.25 m 280.25 222.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.25 237.25 m 453.25 237.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.25 224.25 m 453.25 224.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.25 222.25 m 453.25 222.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.30 313.92 Td (\(a\) ) Tj ET Q q 0 0 0 rg BT 241.81 313.92 Td (T) Tj ET Q q 0 0 0 rg BT 247.48 313.92 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.45 303.92 Td (Number of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.90 293.92 Td (Shares) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.70 283.92 Td (Purchased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.85 303.92 Td (\(b\)) Tj ET Q q 0 0 0 rg BT 308.73 303.92 Td (A) Tj ET Q q 0 0 0 rg BT 315.31 303.92 Td (verage) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.80 293.92 Td (Price Paid) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.15 283.92 Td (per Share \(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.75 323.82 Td (\(c\)) Tj ET Q q 0 0 0 rg BT 378.26 323.82 Td (T) Tj ET Q q 0 0 0 rg BT 383.93 323.82 Td (otalNumberof) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.60 313.82 Td (Shares Purchased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.90 303.82 Td (as Part of Publicly) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.70 293.82 Td (Announced) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.45 283.82 Td (Program \(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.00 323.82 Td (\(d\)) Tj ET Q q 0 0 0 rg BT 477.61 323.82 Td (ApproximateDollar) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.10 313.82 Td (V) Tj ET Q q 0 0 0 rg BT 477.21 313.82 Td (alue of Shares that) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.45 303.82 Td (May ) Tj ET Q q 0 0 0 rg BT 507.91 303.82 Td (Y) Tj ET Q q 0 0 0 rg BT 514.13 303.82 Td (et Be) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.95 293.82 Td (Purchased Under) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.55 283.82 Td (the Program \(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 269.82 Td (October 1 - October 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.90 269.82 Td (438,628) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.75 269.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.90 269.82 Td (35.46) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.90 269.82 Td (438,628) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.75 269.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.40 269.82 Td (634,410,786) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 255.82 Td (November 1 - November 30, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.40 255.82 Td (2,507,394) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.90 255.82 Td (36.52) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.40 255.82 Td (2,507,394) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.40 255.82 Td (542,845,914) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 241.82 Td (December 1 - December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.40 241.82 Td (1,258,21) Tj ET Q q 0 0 0 rg BT 271.40 241.82 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.90 241.82 Td (34.08) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.40 241.82 Td (1,258,21) Tj ET Q q 0 0 0 rg BT 444.40 241.82 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.40 241.82 Td (499,965,321) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 227.82 Td ( ) Tj ET Q q 0 0 0 rg BT 71.57 227.82 Td (T) Tj ET Q q 0 0 0 rg BT 76.98 227.82 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.40 227.82 Td (4,204,233) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.40 227.82 Td (4,204,233) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.50 199.75 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 92.98 199.75 Td (The average price paid per share excludes the cost of commissions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 187.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.50 175.75 Td (\(2\) In May 2018, our board of directors authorized the repurchase of up to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.07 175.75 Td ($750 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.46 175.75 Td ( of Unum Group's common stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.50 163.75 Td (through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.11 163.75 Td (November24, 2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.82 163.75 Td (. ) Tj ET Q endstream endobj 73 0 obj <> endobj 74 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (32) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 735.75 Td (ITEM 6. SELECTED FINANCIAL) Tj ET Q q 0 0 0 rg BT 200.64 735.75 Td ( DA) Tj ET Q q 0 0 0 rg BT 216.84 735.75 Td (T) Tj ET Q q 0 0 0 rg BT 222.77 735.75 Td (A) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 683.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 683.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 683.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 683.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 683.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 683.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 683.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 683.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 683.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 683.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 655.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 655.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 655.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 655.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 655.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 655.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 655.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 655.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 655.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 655.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 627.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 627.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 627.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 627.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 627.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 627.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 627.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 627.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 627.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 627.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 599.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 599.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 599.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 599.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 599.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 599.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 599.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 599.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 599.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 599.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 571.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 571.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 571.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 571.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 571.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 571.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 571.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 571.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 571.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 571.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 543.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 543.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 543.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 543.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 543.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 543.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 543.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 543.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 543.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 543.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 515.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 515.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 515.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 515.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 515.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 515.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 515.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 515.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 515.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 515.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 487.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 487.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 487.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 487.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 487.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 487.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 487.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 487.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 487.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 487.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 459.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 459.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 459.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 459.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 459.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 459.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 459.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 459.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 459.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 459.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 431.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 431.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 431.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 431.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 431.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 431.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 431.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 431.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 431.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 431.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 403.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 403.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 403.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 403.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 403.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 403.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 403.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 403.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 403.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 403.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 375.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 375.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 375.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 375.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 375.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 375.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 375.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 375.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 375.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 375.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 347.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 347.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 347.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 347.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 347.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 347.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 347.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 347.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 347.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 347.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 319.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 319.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 319.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 319.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 319.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 319.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 319.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 319.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 319.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 319.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 291.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 291.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 291.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 291.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 291.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 291.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 291.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 291.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 291.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 291.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 263.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 263.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 263.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 263.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 263.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 263.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 263.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 263.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 263.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 263.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 235.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 235.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 235.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 235.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 235.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 235.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 235.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 235.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 235.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 235.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 207.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 207.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 207.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 207.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 207.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 207.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 207.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 207.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 207.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 207.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 179.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 179.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 179.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 179.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 179.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 179.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 179.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 179.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 179.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 179.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 151.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 151.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 151.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 151.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 151.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 151.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 151.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 151.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 151.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 151.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 123.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 123.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 123.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 123.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 123.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 123.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 123.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 123.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 123.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 123.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 95.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 95.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 95.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 95.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 95.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 95.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 95.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 95.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 95.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 95.25 50.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.25 697.25 m 350.25 697.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.25 697.25 m 354.25 697.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 697.25 m 404.25 697.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.25 697.25 m 408.25 697.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.25 697.25 m 458.25 697.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.25 697.25 m 462.25 697.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 697.25 m 512.25 697.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.25 697.25 m 516.25 697.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 697.25 m 566.25 697.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.25 697.25 m 350.25 697.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.25 683.25 m 350.25 683.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 697.25 m 404.25 697.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 683.25 m 404.25 683.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.25 697.25 m 458.25 697.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.25 683.25 m 458.25 683.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 697.25 m 512.25 697.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 683.25 m 512.25 683.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 697.25 m 566.25 697.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 683.25 m 566.25 683.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.25 585.25 m 350.25 585.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 585.25 m 404.25 585.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.25 585.25 m 458.25 585.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 585.25 m 512.25 585.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 585.25 m 566.25 585.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.25 585.25 m 350.25 585.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.25 571.25 m 350.25 571.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 585.25 m 404.25 585.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 571.25 m 404.25 571.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.25 585.25 m 458.25 585.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.25 571.25 m 458.25 571.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 585.25 m 512.25 585.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 571.25 m 512.25 571.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 585.25 m 566.25 585.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 571.25 m 566.25 571.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.25 487.25 m 350.25 487.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 487.25 m 404.25 487.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.25 487.25 m 458.25 487.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 487.25 m 566.25 487.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.25 487.25 m 350.25 487.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.25 473.25 m 350.25 473.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 487.25 m 404.25 487.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 473.25 m 404.25 473.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.25 487.25 m 458.25 487.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.25 473.25 m 458.25 473.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 487.25 m 512.25 487.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 473.25 m 512.25 473.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 487.25 m 566.25 487.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 473.25 m 566.25 473.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.25 431.25 m 350.25 431.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 431.25 m 404.25 431.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.25 431.25 m 458.25 431.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 431.25 m 512.25 431.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 431.25 m 566.25 431.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.25 404.25 m 350.25 404.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.25 402.25 m 350.25 402.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 404.25 m 404.25 404.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 402.25 m 404.25 402.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.25 404.25 m 458.25 404.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.25 402.25 m 458.25 402.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 404.25 m 512.25 404.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 402.25 m 512.25 402.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 404.25 m 566.25 404.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 402.25 m 566.25 402.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.25 277.25 m 350.25 277.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 277.25 m 404.25 277.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.25 277.25 m 458.25 277.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 277.25 m 512.25 277.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.25 277.25 m 350.25 277.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.25 264.25 m 350.25 264.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.25 262.25 m 350.25 262.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 277.25 m 404.25 277.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 264.25 m 404.25 264.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 262.25 m 404.25 262.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.25 277.25 m 458.25 277.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.25 264.25 m 458.25 264.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.25 262.25 m 458.25 262.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 277.25 m 512.25 277.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 264.25 m 512.25 264.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 262.25 m 512.25 262.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 277.25 m 566.25 277.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 264.25 m 566.25 264.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 262.25 m 566.25 262.25 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 51.75 715.81 Td (\(in millions of dollars, except shar) Tj ET Q q 0 0 0 rg BT 189.15 715.81 Td (e data\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.55 701.82 Td (At or for the ) Tj ET Q q 0 0 0 rg BT 407.39 701.82 Td (Y) Tj ET Q q 0 0 0 rg BT 413.61 701.82 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.75 687.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.75 687.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.75 687.82 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.75 687.82 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.75 687.82 Td (2014) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 673.93 Td (Income Statement Data) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.75 645.93 Td (Revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.75 631.82 Td (Premium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.75 631.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.35 631.82 Td (8,986.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.75 631.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.35 631.82 Td (8,597.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.75 631.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.35 631.82 Td (8,357.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.75 631.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.35 631.82 Td (8,082.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.75 631.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.35 631.82 Td (7,797.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.75 617.82 Td (Net Investment Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.35 617.82 Td (2,453.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.35 617.82 Td (2,451.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.35 617.82 Td (2,459.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.35 617.82 Td (2,481.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.35 617.82 Td (2,492.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.75 603.82 Td (Net Realized Investment Gain \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.55 603.87 Td (\(39.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.40 603.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.90 603.82 Td (40.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.90 603.82 Td (24.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.55 603.87 Td (\(43.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.40 603.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 603.82 Td (16.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.75 589.82 Td (Other Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.90 589.82 Td (198.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.90 589.82 Td (197.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.90 589.82 Td (205.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.90 589.82 Td (21) Tj ET Q q 0 0 0 rg BT 495.90 589.82 Td (1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 589.82 Td (219.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.75 575.93 Td (T) Tj ET Q q 0 0 0 rg BT 63.96 575.93 Td (otal Revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.35 575.82 Td (1) Tj ET Q q 0 0 0 rg BT 316.35 575.82 Td (1,598.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.35 575.82 Td (1) Tj ET Q q 0 0 0 rg BT 370.35 575.82 Td (1,286.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.35 575.82 Td (1) Tj ET Q q 0 0 0 rg BT 424.35 575.82 Td (1,046.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.35 575.82 Td (10,731.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.35 575.82 Td (10,524.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.75 547.93 Td (Benefits and Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.75 533.82 Td (Benefits and Change in Reserves for Future Benefits) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 274.53 537.44 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.35 533.82 Td (8,020.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.35 533.82 Td (7,055.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.35 533.82 Td (6,941.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.35 533.82 Td (6,782.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.35 533.82 Td (7,310.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.75 519.82 Td (Commissions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.35 519.82 Td (1,108.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.35 519.82 Td (1,060.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.35 519.82 Td (1,026.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.90 519.82 Td (996.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 519.82 Td (935.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.75 505.82 Td (Interest and Debt Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.90 505.82 Td (167.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.90 505.82 Td (159.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.90 505.82 Td (166.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.90 505.82 Td (152.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 505.82 Td (167.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.75 491.82 Td (Other Expenses) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 126.79 495.44 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.35 491.82 Td (1,674.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.35 491.82 Td (1,606.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.35 491.82 Td (1,564.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.35 491.82 Td (1,561.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.35 491.82 Td (1,568.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.75 477.93 Td (T) Tj ET Q q 0 0 0 rg BT 63.96 477.93 Td (otal Benefits and Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.35 477.82 Td (10,970.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.35 477.82 Td (9,882.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.35 477.82 Td (9,698.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.35 477.82 Td (9,493.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.35 477.82 Td (9,982.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.75 449.93 Td (Income Befor) Tj ET Q q 0 0 0 rg BT 115.70 449.93 Td (e Income ) Tj ET Q q 0 0 0 rg BT 156.61 449.93 Td (T) Tj ET Q q 0 0 0 rg BT 162.74 449.93 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.90 449.82 Td (627.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.35 449.82 Td (1,404.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.35 449.82 Td (1,347.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.35 449.82 Td (1,238.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 449.82 Td (542.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.75 435.82 Td (Income ) Tj ET Q q 0 0 0 rg BT 96.05 435.82 Td (T) Tj ET Q q 0 0 0 rg BT 101.46 435.82 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.90 435.82 Td (104.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.90 435.82 Td (409.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.90 435.82 Td (416.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.90 435.82 Td (371.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 435.82 Td (139.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.75 407.93 Td (Net Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.75 407.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.90 407.82 Td (523.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.75 407.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.90 407.82 Td (994.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.75 407.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.90 407.82 Td (931.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.75 407.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.90 407.82 Td (867.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.75 407.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 407.82 Td (402.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 379.93 Td (Balance Sheet Data) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 351.82 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.75 351.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.35 351.82 Td (61,875.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.75 351.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.35 351.82 Td (64,013.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.75 351.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.35 351.82 Td (61,941.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.75 351.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.35 351.82 Td (60,563.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.75 351.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.35 351.82 Td (62,422.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 323.82 Td (Long-term Debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.75 323.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.35 323.82 Td (2,971.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.75 323.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.35 323.82 Td (2,738.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.75 323.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.35 323.82 Td (2,999.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.75 323.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.35 323.82 Td (2,449.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.75 323.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.35 323.82 Td (2,601.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 295.82 Td (Accumulated Other Comprehensive Income \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.75 295.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.55 295.87 Td (\(814.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.40 295.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.75 295.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.90 295.82 Td (127.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.75 295.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.55 295.87 Td (\(51.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.40 295.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.75 295.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.90 295.82 Td (16.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.75 295.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 295.82 Td (166.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 281.82 Td (Other Stockholders' Equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.35 281.82 Td (9,436.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.35 281.82 Td (9,447.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.35 281.82 Td (9,019.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.35 281.82 Td (8,647.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.35 281.82 Td (8,355.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.75 267.93 Td (T) Tj ET Q q 0 0 0 rg BT 63.96 267.93 Td (otal Stockholders' Equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.75 267.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.35 267.82 Td (8,621.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.75 267.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.35 267.82 Td (9,574.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.75 267.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.35 267.82 Td (8,968.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.75 267.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.35 267.82 Td (8,663.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.75 267.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.35 267.82 Td (8,521.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 239.93 Td (Per) Tj ET Q q 0 0 0 rg BT 66.55 239.93 Td ( Shar) Tj ET Q q 0 0 0 rg BT 89.44 239.93 Td (e Data) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.75 211.93 Td (Net Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 197.82 Td ( Basic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.75 197.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.90 197.82 Td (2.38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.75 197.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.90 197.82 Td (4.39) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.75 197.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.90 197.82 Td (3.96) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.75 197.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.90 197.82 Td (3.51) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.75 197.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 197.82 Td (1.57) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 183.82 Td ( ) Tj ET Q q 0 0 0 rg BT 62.47 183.82 Td (Assuming Dilution) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.75 183.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.90 183.82 Td (2.38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.75 183.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.90 183.82 Td (4.37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.75 183.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.90 183.82 Td (3.95) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.75 183.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.90 183.82 Td (3.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.75 183.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 183.82 Td (1.57) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.75 155.93 Td (Stockholders' Equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.75 155.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.90 155.82 Td (40.19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.75 155.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.90 155.82 Td (43.02) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.75 155.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.90 155.82 Td (39.02) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.75 155.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.90 155.82 Td (35.96) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.75 155.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 155.82 Td (33.78) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.75 127.93 Td (Cash Dividends) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.75 127.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.90 127.82 Td (0.98) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.75 127.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.90 127.82 Td (0.86) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.75 127.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.90 127.82 Td (0.77) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.75 127.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.90 127.82 Td (0.70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.75 127.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 127.82 Td (0.62) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 57.75 99.93 Td (W) Tj ET Q q 0 0 0 rg BT 67.20 99.93 Td (eighted ) Tj ET Q q 0 0 0 rg BT 100.25 99.93 Td (A) Tj ET Q q 0 0 0 rg BT 106.73 99.93 Td (verage Common Shar) Tj ET Q q 0 0 0 rg BT 199.87 99.93 Td (es Outstanding) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 85.82 Td ( Basic \(000s\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.35 85.82 Td (219,635.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.35 85.82 Td (226,492.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.35 85.82 Td (235,445.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.35 85.82 Td (246,986.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.35 85.82 Td (255,525.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 71.82 Td ( ) Tj ET Q q 0 0 0 rg BT 64.70 71.82 Td (Assuming Dilution \(000s\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.35 71.82 Td (220,058.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.35 71.82 Td (227,335.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.35 71.82 Td (235,979.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.35 71.82 Td (247,854.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.35 71.82 Td (256,652.8) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 75 0 obj <> endobj 76 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (33) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 49.50 739.23 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.10 735.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.10 735.60 Td (Includes reserve increases of $750.8 million and $698.2 million in 2018 and 2014, respectively) Tj ET Q q 0 0 0 rg BT 435.92 735.60 Td (, related to our long-term care ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (closed block business. See Note 6 of the "Notes to Consolidated Financial Statements" contained herein in Item 8 for further ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (discussion of the 2018 reserve increase.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 49.50 693.63 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.10 690.00 Td ( Includes the net change in deferred acquisition costs as well as compensation expense and other expenses. Includes $64.4 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.00 Td (million in 2014 related to a settlement loss for a pension plan amendment.) Tj ET Q endstream endobj 77 0 obj <> endobj 78 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (34) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 735.75 Td (ITEM 7. MANAGEMENT'S DISCUSSION ) Tj ET Q q 0 0 0 rg BT 238.14 735.75 Td (AND ) Tj ET Q q 0 0 0 rg BT 261.76 735.75 Td (ANAL) Tj ET Q q 0 0 0 rg BT 289.17 735.75 Td (YSIS OF) Tj ET Q q 0 0 0 rg BT 327.42 735.75 Td ( FINANCIAL) Tj ET Q q 0 0 0 rg BT 386.04 735.75 Td ( CONDITION ) Tj ET Q q 0 0 0 rg BT 449.39 735.75 Td (AND RESUL) Tj ET Q q 0 0 0 rg BT 505.98 735.75 Td (TS OF) Tj ET Q q 0 0 0 rg BT 534.23 735.75 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 723.75 Td (OPERA) Tj ET Q q 0 0 0 rg BT 83.76 723.75 Td (TIONS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.75 Td (The discussion and analysis presented in this section should be read in conjunction with the "Cautionary Statement Regarding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.75 Td (Forward-Looking Statements" included below the ) Tj ET Q q 0 0 0 rg BT 251.97 687.75 Td (T) Tj ET Q q 0 0 0 rg BT 257.38 687.75 Td (able of Contents, "Risk Factors" included in Item 1A, "Selected Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.75 Td (Data" included in Item 6, and the Consolidated Financial Statements and notes thereto included in Item 8.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 651.75 Td (Executive Summary) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.50 627.75 Td (2018) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 83.50 627.75 Td ( Operating Performance and Capital Management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.75 Td (For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 65.89 603.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.89 603.75 Td (, we reported net income of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.35 603.75 Td ($523.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.24 603.75 Td (, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.07 603.75 Td ($2.38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.57 603.75 Td ( per diluted common share, compared to net income of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.89 603.75 Td ($994.2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.75 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 591.75 Td (, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.22 591.75 Td ($4.37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.72 591.75 Td ( per diluted common share, in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.64 591.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.64 591.75 Td (. Net income includes net realized investment gains and losses. Included in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.22 579.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.22 579.75 Td ( results is a reserve increase related to our long-term care block of business of $750.8 million before tax and $593.1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.75 Td (million after tax, or $2.70 per diluted common share. Excluding these items, after) Tj ET Q q 0 0 0 rg BT 377.82 567.75 Td (-tax adjusted operating income for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.05 567.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.05 567.75 Td ( was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.75 Td ($1,145.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.89 555.75 Td (, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.72 555.75 Td ($5.20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.22 555.75 Td ( per diluted common share. Included in the 2017 results are a loss from a guaranty fund assessment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.75 Td (related to an unaf) Tj ET Q q 0 0 0 rg BT 119.01 543.75 Td (filiated insurer that was declared insolvent of $20.6 million before tax and $13.4 million after tax, or $0.06 per ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.75 Td (diluted common share, a 2017 reserve increase related to unclaimed death benefits of $39.0 million before tax and $25.4 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.75 Td (after tax, or $0.1) Tj ET Q q 0 0 0 rg BT 115.49 519.75 Td (1 per diluted common share, and a net tax benefit related to U.S. tax reform of $31.5 million, or $0.14 per ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.75 Td (diluted common share. Excluding these items, after) Tj ET Q q 0 0 0 rg BT 257.30 507.75 Td (-tax adjusted operating income for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.53 507.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.53 507.75 Td ( was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.08 507.75 Td ($976.2 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.97 507.75 Td (, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.80 507.75 Td ($4.29) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.30 507.75 Td ( per ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.75 Td (diluted common share. See "Long-term Care Reserve Increase," "Unclaimed Death Benefits Reserve Increase," "U.S. ) Tj ET Q q 0 0 0 rg BT 524.56 495.75 Td (T) Tj ET Q q 0 0 0 rg BT 529.97 495.75 Td (ax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.75 Td (Reform," "Reconciliation of Non-GAAP) Tj ET Q q 0 0 0 rg BT 212.26 483.75 Td ( and Other Financial Measures," and "Consolidated Operating Results" contained herein ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.75 Td (in this Item 7 for further discussion and a reconciliation of these items.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.75 Td (Our Unum US segment reported ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.98 447.75 Td (an increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.67 447.75 Td ( in adjusted operating income ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 347.47 454.68 10.83 -9.09 re f /GS0 gs q 0 0 0 rg BT 347.47 447.75 Td (of ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 358.30 454.68 12.50 -9.09 re f /GS0 gs q 0 0 0 rg BT 358.30 447.75 Td (0.5) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 370.80 454.68 195.51 -9.09 re f /GS0 gs q 0 0 0 rg BT 370.80 447.75 Td ( percent in 2018 compared to 2017, with growth ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 49.50 442.68 280.02 -9.09 re f /GS0 gs q 0 0 0 rg BT 49.50 435.75 Td (in premium income, partially of) Tj ET Q q 0 0 0 rg BT 176.79 435.75 Td (fset by lower net investment income. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.52 435.75 Td (Included in adjusted operating income for the fourth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.75 Td (quarter of 2017 is a reserve release of $19.5 million in the individual disability product line resulting from our annual review of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.75 Td (reserve adequacy) Tj ET Q q 0 0 0 rg BT 117.97 411.75 Td (, which reflects the recognition of updated morbidity assumptions in our disabled life reserves.) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 496.49 418.68 15.93 -9.09 re f /GS0 gs q 0 0 0 rg BT 496.49 411.75 Td ( ) Tj ET Q q 0 0 0 rg BT 501.31 411.75 Td (Th) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.42 411.75 Td (e benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.75 Td (ratio for our Unum US segment for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.08 399.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.08 399.75 Td ( was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.64 399.75 Td (67.2 percent) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 283.06 406.68 57.20 -9.09 re f /GS0 gs q 0 0 0 rg BT 283.06 399.75 Td (, compared to ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 340.26 406.68 17.50 -9.09 re f /GS0 gs q 0 0 0 rg BT 340.26 399.75 Td (67.4) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 357.76 406.68 104.15 -9.09 re f /GS0 gs q 0 0 0 rg BT 357.76 399.75 Td ( percent. Unum US sales ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 461.91 406.68 39.41 -9.09 re f /GS0 gs q 0 0 0 rg BT 461.91 399.75 Td (decreased) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 501.32 406.68 2.50 -9.09 re f /GS0 gs q 0 0 0 rg BT 501.32 399.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 503.82 406.68 12.50 -9.09 re f /GS0 gs q 0 0 0 rg BT 503.82 399.75 Td (1.3) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 516.32 406.68 44.70 -9.09 re f /GS0 gs q 0 0 0 rg BT 516.32 399.75 Td ( percent in ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 49.50 394.68 20.00 -9.09 re f /GS0 gs q 0 0 0 rg BT 49.50 387.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 69.50 394.68 54.70 -9.09 re f /GS0 gs q 0 0 0 rg BT 69.50 387.75 Td ( compared to ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 124.20 394.68 20.00 -9.09 re f /GS0 gs q 0 0 0 rg BT 124.20 387.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 144.20 394.68 396.56 -9.09 re f /GS0 gs q 0 0 0 rg BT 144.20 387.75 Td (. Overall persistency was consistent with our expectations with favorable persistency in our group ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 49.50 382.68 373.24 -9.09 re f /GS0 gs q 0 0 0 rg BT 49.50 375.75 Td (product lines and less favorable persistency in our supplemental and voluntary product lines. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.75 Td (Our Unum International segment reported an increase of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.30 351.75 Td (2.0 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.73 351.75 Td ( in adjusted operating incom) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 436.59 358.68 126.36 -9.09 re f /GS0 gs q 0 0 0 rg BT 436.59 351.75 Td (e, as measured in U.S. dollars. ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 49.50 346.68 217.71 -9.09 re f /GS0 gs q 0 0 0 rg BT 49.50 339.75 Td (Our Unum UK line of business reported a decrease of ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 267.21 346.68 44.42 -9.09 re f /GS0 gs q 0 0 0 rg BT 267.21 339.75 Td (3.0 percent) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 311.63 346.68 173.00 -9.09 re f /GS0 gs q 0 0 0 rg BT 311.63 339.75 Td ( in adjusted operating income compared to ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 484.64 346.68 20.00 -9.09 re f /GS0 gs q 0 0 0 rg BT 484.64 339.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.64 339.75 Td (, as measured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.75 Td (in local currency) Tj ET Q q 0 0 0 rg BT 116.04 327.75 Td (, due primarily to lower net investment income, partially of) Tj ET Q q 0 0 0 rg BT 352.74 327.75 Td (fset by an increase in premium income. ) Tj ET Q q 0 0 0 rg BT 515.00 327.75 Td (The benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.75 Td (ratio for our Unum UK line of business was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.53 315.75 Td (74.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.03 315.75 Td ( percent in both 2018 and 2017. Unum UK sales, as measured in local currency) Tj ET Q q 0 0 0 rg BT 564.01 315.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.75 Td (decreased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.91 303.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.41 303.75 Td (6.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.91 303.75 Td ( percent in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.62 303.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.62 303.75 Td ( compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.32 303.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.32 303.75 Td (. Persistency was favorable relative to the prior year and is consistent with our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.75 Td (expectations. ) Tj ET Q q 0 0 0 rg BT 106.80 291.75 Td (The results of our Unum Poland line of business were not material to our 2018 results of operations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.75 Td (Our Colonial Life segment reported ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.29 267.75 Td (an increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.98 267.75 Td ( in adjusted operating income of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.61 267.75 Td (3.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.11 267.75 Td ( percent in 2018 compared to 2017 due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.75 Td (growth in premium income and net investment income. ) Tj ET Q q 0 0 0 rg BT 275.94 255.75 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.98 255.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.98 255.75 Td ( benefit ratio for Colonial Life was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.88 255.75 Td (51.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.38 255.75 Td ( percent, which was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.75 Td (consistent with 2017. Colonial Life sales ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.81 243.75 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.56 243.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.06 243.75 Td (8.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.56 243.75 Td ( percent in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.27 243.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.27 243.75 Td ( compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.97 243.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.97 243.75 Td (. Persistency was unfavorable relative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.75 Td (to the prior year but is consistent with our expectations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.75 Td (Our Closed Block segment reported an increase in adjusted operating income of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.18 207.75 Td (1.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.68 207.75 Td ( percent in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.38 207.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.38 207.75 Td ( compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.08 207.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.08 207.75 Td ( due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.75 Td (primarily to an increase in net investment income and overall favorable benefits experience, partially of) Tj ET Q q 0 0 0 rg BT 463.88 195.75 Td (fset by lower premium ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.75 Td (income. Benefits experience for individual disability remains within our range of expectations and was favorable in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.58 183.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.58 183.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.75 Td (compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.70 171.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.70 171.75 Td (. Benefits experience in our long-term care line of business, excluding the reserve increase, was consistent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.75 Td (with our expectations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.75 Td (Although our profit mar) Tj ET Q q 0 0 0 rg BT 145.69 135.75 Td (gins continue to be pressured by the impact of the low interest rate environment on our net investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.75 Td (income yields, our invested asset quality remains strong. ) Tj ET Q q 0 0 0 rg BT 280.66 123.75 Td (The net unrealized gain on our fixed maturity securities was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.36 123.75 Td ($2.7 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.75 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.61 111.75 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.83 111.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.41 111.75 Td (, compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.62 111.75 Td ($5.7 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.73 111.75 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.95 111.75 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.53 111.75 Td (, with the decrease due to higher credit spreads and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 69.60 99.75 Td (T) Tj ET Q q 0 0 0 rg BT 75.36 99.75 Td (reasury rates during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.27 99.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.27 99.75 Td (. ) Tj ET Q q 0 0 0 rg BT 184.59 99.75 Td (The earned book yield on our investment portfolio was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.04 99.75 Td (5.15 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.46 99.75 Td ( for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.12 99.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.12 99.75 Td ( compared to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.75 Td (yield of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.83 87.75 Td (5.23 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.25 87.75 Td ( for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.91 87.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.91 87.75 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 63.75 Td (e believe our capital and financial positions are strong. ) Tj ET Q q 0 0 0 rg BT 281.12 63.75 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.62 63.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.21 63.75 Td (, the RBC ratio for our traditional U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 51.75 Td (insurance subsidiaries, calculated on a weighted average basis using the NAIC Company ) Tj ET Q q 0 0 0 rg BT 406.90 51.75 Td (Action Level formula, was ) Tj ET Q endstream endobj 79 0 obj <> endobj 80 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (approximately 370 percent, which is in line with our expectations but lower relative to the prior year as a result of the higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (RBC factors adopted by the NAIC in 2018 in response to the lower U.S. statutory income tax rate. During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.59 723.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.59 723.60 Td (, we repurchased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (8.7 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.39 711.60 Td ( shares of Unum Group common stock under our share repurchase program, at a cost of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.60 711.60 Td ($351 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.99 711.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (Our weighted average common shares outstanding, assuming dilution, equaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.93 699.60 Td (220.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.82 699.60 Td ( for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.48 699.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.48 699.60 Td ( compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.18 699.60 Td (227.3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 566.07 699.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.66 687.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 83.66 687.60 Td (, reflecting our capital management strategy of returning capital to shareholders through repurchases of our common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (stock. ) Tj ET Q q 0 0 0 rg BT 77.56 675.60 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.00 675.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.58 675.60 Td (, Unum Group and our intermediate holding companies held fixed maturity securities, short-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (term investments, and cash of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.14 663.60 Td ($602 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.53 663.60 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.50 639.60 Td (Long-term Care Reserve Increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (Policy reserves for our long-term care block of business are determined using the gross premium valuation method and, prior to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (the third quarter of 2018, were valued based on assumptions established as of December 31, 2014, the date of our last ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (assumption update under loss recognition. Gross premium valuation assumptions do not change after the date of loss recognition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (unless reserves are again determined to be deficient. ) Tj ET Q q 0 0 0 rg BT 263.12 579.60 Td (W) Tj ET Q q 0 0 0 rg BT 271.76 579.60 Td (e undertake a review of policy reserve adequacy annually during the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (fourth quarter of each year) Tj ET Q q 0 0 0 rg BT 155.71 567.60 Td (, or more frequently if appropriate, using best estimate assumptions as of the date of the review) Tj ET Q q 0 0 0 rg BT 535.50 567.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (During the third quarter of 2018, we completed our annual review of policy reserve adequacy) Tj ET Q q 0 0 0 rg BT 422.88 543.60 Td (, which incorporated our most ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (recent experience and included a review of all assumptions. ) Tj ET Q q 0 0 0 rg BT 292.83 531.60 Td (The review utilized internal and external data and outside consulting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (firms for quality assurance and industry benchmarking. Based on our analysis, during the third quarter of 2018, we updated our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (reserve assumptions and determined that our policy and claim reserves should be increased by $750.8 million, or $593.1 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (after) Tj ET Q q 0 0 0 rg BT 67.62 495.60 Td (-tax, to reflect our current estimate of future benefit obligations. ) Tj ET Q q 0 0 0 rg BT 328.17 495.60 Td (This increase was primarily driven by the update to our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (liability and interest rate assumptions, particularly claims incidence and claim termination rates, which resulted in an increase to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (reserves of approximately $2.2 billion. Partially of) Tj ET Q q 0 0 0 rg BT 253.99 471.60 Td (fsetting the increase was the update to our assumptions for premium rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (increases which decreased reserves approximately $1.4 billion, resulting in the net increase to reserves of $750.8 million. See ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td ("T) Tj ET Q q 0 0 0 rg BT 59.34 447.60 Td (rends in Key ) Tj ET Q q 0 0 0 rg BT 112.39 447.60 Td (Assumptions" contained herein in the "Critical ) Tj ET Q q 0 0 0 rg BT 301.07 447.60 Td (Accounting Estimates" of this Item 7 for further discussion of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (assumptions used in our long-term care reserve update.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.50 411.60 Td (2018 and 2016 ) Tj ET Q q 0 0 0 rg BT 126.19 411.60 Td (Acquisitions of Business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (InNovember 2018, we acquired100 percentof the shares and voting interests in Jaimini Health, Inc. \(Jaimini Health\), a dental ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (health maintenance or) Tj ET Q q 0 0 0 rg BT 137.61 375.60 Td (ganization. ) Tj ET Q q 0 0 0 rg BT 186.58 375.60 Td (The acquisition of Jaimini Health will broaden our employee benefit dental of) Tj ET Q q 0 0 0 rg BT 498.25 375.60 Td (ferings in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (U.S., particularly in the state of California and is reported in our Unum US segment. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (InOctober 2018, we acquired100 percentof the shares and voting interests in Pramerica Zycie ) Tj ET Q q 0 0 0 rg BT 432.80 339.60 Td (TUiR S.A. \(which we have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (subsequently renamed Unum Zycie ) Tj ET Q q 0 0 0 rg BT 193.72 327.60 Td (TUiR S.A. and refer to as Unum Poland\), a financial protection benefits provider in Poland. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (This acquisition will expand our European presence, which we believe to be an attractive market for financial protection ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (benefits. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (In January2018, we acquired100 percentof the shares and voting interests in Leavelogic, Inc \(Leavelogic\), a leave management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (technology provider) Tj ET Q q 0 0 0 rg BT 129.76 267.60 Td (. ) Tj ET Q q 0 0 0 rg BT 137.08 267.60 Td (The acquisition of Leavelogic will enhance our current leave management of) Tj ET Q q 0 0 0 rg BT 444.54 267.60 Td (ferings by providing tools for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (employers and employees to better manage the family leave process and is reported in our Unum US segment. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (In) Tj ET Q q 0 0 0 rg BT 59.78 231.60 Td (August 2016, we acquired) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.25 231.60 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.25 231.60 Td ( percentof the shares and voting interests in H&J Capital, L.L.C., parent of Starmount Life ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (Insurance Company and ) Tj ET Q q 0 0 0 rg BT 148.64 219.60 Td (AlwaysCare Benefits \(which collectively we refer to as Starmount\). Starmount Life Insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (Company is an independent provider of dental and vision insurance in the U.S. workplace, and ) Tj ET Q q 0 0 0 rg BT 430.52 207.60 Td (AlwaysCare Benefits is a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (nationally licensed, third-party administrator) Tj ET Q q 0 0 0 rg BT 227.79 195.60 Td (. ) Tj ET Q q 0 0 0 rg BT 235.11 195.60 Td (The acquisition of Starmount broadens our employee benefit of) Tj ET Q q 0 0 0 rg BT 488.74 195.60 Td (ferings in the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (Starmount's dental and vision products and new dental and vision products marketed by Unum US are reported in our Unum US ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.60 Td (segment within our supplemental and voluntary product lines. Colonial Life dental and vision products were introduced in 2018 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td (and ) Tj ET Q q 0 0 0 rg BT 66.44 159.60 Td (are ) Tj ET Q q 0 0 0 rg BT 81.15 159.60 Td (reported ) Tj ET Q q 0 0 0 rg BT 116.96 159.60 Td (in ) Tj ET Q q 0 0 0 rg BT 127.24 159.60 Td (our ) Tj ET Q q 0 0 0 rg BT 143.07 159.60 Td (Colonial ) Tj ET Q q 0 0 0 rg BT 180.01 159.60 Td (Life ) Tj ET Q q 0 0 0 rg BT 199.17 159.60 Td (segment ) Tj ET Q q 0 0 0 rg BT 234.99 159.60 Td (within ) Tj ET Q q 0 0 0 rg BT 263.05 159.60 Td (our ) Tj ET Q q 0 0 0 rg BT 278.88 159.60 Td (accident, ) Tj ET Q q 0 0 0 rg BT 317.19 159.60 Td (sickness, ) Tj ET Q q 0 0 0 rg BT 355.52 159.60 Td (and ) Tj ET Q q 0 0 0 rg BT 372.46 159.60 Td (disability ) Tj ET Q q 0 0 0 rg BT 412.18 159.60 Td (product ) Tj ET Q q 0 0 0 rg BT 445.23 159.60 Td (line. ) Tj ET Q q 0 0 0 rg BT 465.22 159.60 Td ( ) Tj ET Q /GS0 gs q 2.50 0 0 10.09 467.72 157.44 cm /I9 Do Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.60 Td (See Note 13 of the " Notes to Consolidated Financial Statements contained herein in Item 8 for further details.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.50 111.60 Td (Unclaimed Death Benefits \(UDB\) Reserve Increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.60 Td (Beginning in 201) Tj ET Q q 0 0 0 rg BT 118.57 87.60 Td (1, a number of state regulators began requiring insurers to cross-check specified insurance policies with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.60 Td (Social Security ) Tj ET Q q 0 0 0 rg BT 112.27 75.60 Td (Administration) Tj ET Q q 0 0 0 rg BT 175.60 75.60 Td (s Death Master File to identify potential matches. If a potential match was identified, insurers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.60 Td (were requested to determine if benefits were due, locate beneficiaries, and make payments where appropriate. ) Tj ET Q q 0 0 0 rg BT 493.28 63.60 Td (W) Tj ET Q q 0 0 0 rg BT 501.92 63.60 Td (e initiated this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 51.60 Td (process where requested, and in 2012 we began implementing this process in all states on a forward-looking basis. In addition to ) Tj ET Q endstream endobj 81 0 obj <> endobj 82 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (36) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (implementing this on a forward-looking basis, in 2013 we began an initiative to search for potential claims from previous years. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (During 2013, we completed our assessment of benefits which we estimated would be paid under this initiative, and as such, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (established additional reserves for payment of these benefits. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (Similar toother insurers, we have under) Tj ET Q q 0 0 0 rg BT 209.55 687.60 Td (gone an examination by a third party acting on behalf of a number of state treasurers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (concerning our compliance with the unclaimed property laws of the participating states. In the fourth quarter of 2017, we started ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (the process to reach a Global Resolution ) Tj ET Q q 0 0 0 rg BT 213.07 663.60 Td (Agreement with the third party regarding settlement of the examination, which we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (finalized in January of 2018. During the fourth quarter of 2017, we established reserves which reflected our estimate of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (liability expected to be paid as we execute on the terms of the settlement. Claim reserves were increased $18.5 million for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (Unum US group life, $8.1 million for Unum US voluntary life, and $12.4 million for Colonial Life voluntary life, for a total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (reserve increase of $39.0 million before tax and $25.4 million after tax. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.50 591.60 Td (U.S. T) Tj ET Q q 0 0 0 rg BT 88.97 591.60 Td (ax Reform) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (On December 22, 2017, the U.S. Federal government enacted a tax bill, H.R.1, ) Tj ET Q q 0 0 0 rg BT 366.92 567.60 Td (An ) Tj ET Q q 0 0 0 rg BT 381.09 567.60 Td (Act to Provide Reconciliation Pursuant to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (T) Tj ET Q q 0 0 0 rg BT 55.26 555.60 Td (itles II and ) Tj ET Q q 0 0 0 rg BT 100.34 555.60 Td (V) Tj ET Q q 0 0 0 rg BT 107.38 555.60 Td ( of the Concurrent Resolution on the Budget for Fiscal ) Tj ET Q q 0 0 0 rg BT 327.53 555.60 Td (Y) Tj ET Q q 0 0 0 rg BT 333.75 555.60 Td (ear 2018, more commonly known as the ) Tj ET Q q 0 0 0 rg BT 496.86 555.60 Td (T) Tj ET Q q 0 0 0 rg BT 502.27 555.60 Td (ax Cuts and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (Jobs ) Tj ET Q q 0 0 0 rg BT 69.23 543.60 Td (Act \(TCJA\). ) Tj ET Q q 0 0 0 rg BT 124.04 543.60 Td (The ) Tj ET Q q 0 0 0 rg BT 141.91 543.60 Td (TCJA, among other things, included a reduction to the U.S. corporate statutory tax rate from 35 percent to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (21 percent and a tax on undistributed and previously untaxed foreign earnings and profits \(Deemed Repatriation ) Tj ET Q q 0 0 0 rg BT 500.30 531.60 Td (T) Tj ET Q q 0 0 0 rg BT 505.71 531.60 Td (ax\) at reduced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (rates. ) Tj ET Q q 0 0 0 rg BT 75.33 519.60 Td (As a result of these changes, we recognized a tax benefit of $97.9 million in 2017 related to the revaluation of our net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (deferred tax liabilities associated with our U.S. operations to the newly enacted U.S. corporate tax rate and a tax expense of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td ($66.4 million resulting from the Deemed Repatriation ) Tj ET Q q 0 0 0 rg BT 267.61 495.60 Td (T) Tj ET Q q 0 0 0 rg BT 273.02 495.60 Td (ax. See "Regulation" contained herein in Item 1 and Note 7 of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td ("Notes to Consolidated Financial Statements" contained herein in Item 8 for further details. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 459.60 Td (U.K. Referendum) Tj ET Q BT /F3 10.00 Tf ET /GS0 gs q 2.50 0 0 9.93 63.50 445.44 cm /I10 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (During 2016, the U.K. held a referendum and voted to leave the EU. ) Tj ET Q q 0 0 0 rg BT 328.12 435.60 Td (The U.K. subsequently invoked ) Tj ET Q q 0 0 0 rg BT 457.00 435.60 Td (Article 50 of the ) Tj ET Q q 0 0 0 rg BT 525.13 435.60 Td (T) Tj ET Q q 0 0 0 rg BT 530.88 435.60 Td (reaty on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (European Union \(EU\) and is due to leave the EU on March 29, 2019. ) Tj ET Q q 0 0 0 rg BT 331.19 423.60 Td (W) Tj ET Q q 0 0 0 rg BT 339.83 423.60 Td (e expect to see continued dampening of growth in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (U.K. as well as earnings volatility due to the current disruption and uncertainty in the U.K. economy) Tj ET Q q 0 0 0 rg BT 450.97 411.60 Td (. ) Tj ET Q q 0 0 0 rg BT 458.29 411.60 Td (W) Tj ET Q q 0 0 0 rg BT 466.93 411.60 Td (e may also experience ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (volatility in the fair values of our investments in U.K. and EU-based issuers, but we do not expect a material increase in other) Tj ET Q q 0 0 0 rg BT 551.66 399.60 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (than-temporary impairments or defaults, nor do we believe this volatility will impact our ability to hold these investments. ) Tj ET Q q 0 0 0 rg BT 543.38 387.60 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (magnitude and longevity of potential negative economic impacts on our growth will depend on whether an agreement is reached ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (between the U.K. and EU as a result of exit negotiations and, if reached, the nature of the agreement and the resulting response ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (of the U.K. marketplace. ) Tj ET Q q 0 0 0 rg BT 153.17 351.60 Td (There are currently no indications that capital requirements for our U.K. operations will change, but ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (economic conditions may cause volatility in our solvency ratios. Our reported consolidated financial results may continue to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (impacted by fluctuations in the British pound sterling to dollar exchange rate. See "Regulation" contained herein in Item 1 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td ("Unum ) Tj ET Q q 0 0 0 rg BT 81.08 315.60 Td (International ) Tj ET Q q 0 0 0 rg BT 134.67 315.60 Td (Segment" ) Tj ET Q q 0 0 0 rg BT 176.25 315.60 Td (contained ) Tj ET Q q 0 0 0 rg BT 217.62 315.60 Td (herein ) Tj ET Q q 0 0 0 rg BT 245.11 315.60 Td (this ) Tj ET Q q 0 0 0 rg BT 262.05 315.60 Td (Item ) Tj ET Q q 0 0 0 rg BT 282.88 315.60 Td (7.) Tj ET Q /GS0 gs q 2.50 0 0 10.09 290.38 313.44 cm /I11 Do Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.50 291.60 Td (Consolidated Company Outlook for ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 212.41 291.60 Td (2019) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 232.41 291.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 267.60 Td (e believe our disciplined approach to providing financial protection products at the workplace puts us in a position of strength ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (as we seek to capitalize on the growing and lar) Tj ET Q q 0 0 0 rg BT 236.19 255.60 Td (gely unfilled need for our products and services. ) Tj ET Q q 0 0 0 rg BT 434.29 255.60 Td (W) Tj ET Q q 0 0 0 rg BT 442.92 255.60 Td (e believe the need for our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (products and services remains strong, and we intend to continue protecting our solid mar) Tj ET Q q 0 0 0 rg BT 404.23 243.60 Td (gins and returns through our pricing and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (risk actions. Our strategy is underpinned by our core values and is centered on market growth through the expansion of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (product portfolio, distribution system, and geographic footprint, and enhancing the customer experience through ef) Tj ET Q q 0 0 0 rg BT 509.19 219.60 Td (ficiency) Tj ET Q q 0 0 0 rg BT 540.75 219.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (simplification, and investment in digital capabilities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (Our outlook for 2019 is for continued solid premium growth trends in our core businesses, with stable persistency and a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.60 Td (disciplined approach to sales growth. ) Tj ET Q q 0 0 0 rg BT 202.89 171.60 Td (W) Tj ET Q q 0 0 0 rg BT 211.53 171.60 Td (e expect to have generally stable benefits experience due to our focus on disciplined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td (pricing, risk selection, and management of renewals. ) Tj ET Q q 0 0 0 rg BT 265.08 159.60 Td (W) Tj ET Q q 0 0 0 rg BT 273.72 159.60 Td (e will maintain our commitment to expense discipline and improving our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (operational ef) Tj ET Q q 0 0 0 rg BT 104.57 147.60 Td (ficiencies. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.60 Td (The low interest rate environment continues to place pressure on our profit mar) Tj ET Q q 0 0 0 rg BT 366.44 123.60 Td (gins. Our reported consolidated financial results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (may also continue to be unfavorably impacted by political and economic uncertainty in the U.K., specifically lower interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.60 Td (rates, wage inflation and employer spending, and claims volatility) Tj ET Q q 0 0 0 rg BT 312.67 99.60 Td (. ) Tj ET Q q 0 0 0 rg BT 319.99 99.60 Td (W) Tj ET Q q 0 0 0 rg BT 328.63 99.60 Td (e expect our ef) Tj ET Q q 0 0 0 rg BT 387.58 99.60 Td (fective tax rate for 2019 to be approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.60 Td (20 percent. ) Tj ET Q q 0 0 0 rg BT 98.74 87.60 Td (The reduction in the corporate tax rate resulting from tax reform has improved the statutory earnings and cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.60 Td (generation of our insurance subsidiaries and our capital position remains strong.) Tj ET Q endstream endobj 83 0 obj <> endobj 84 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 735.60 Td (e continue to analyze and employ strategies that we believe will help us navigate the current environment and allow us to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (maintain solid operating mar) Tj ET Q q 0 0 0 rg BT 164.57 723.60 Td (gins and significant financial flexibility to support the needs of our businesses, while also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (continuing to return capital to our shareholders and exploring mer) Tj ET Q q 0 0 0 rg BT 312.85 711.60 Td (ger and acquisition opportunities to enhance our business lines. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 699.60 Td (e have substantial leverage to rising interest rates and an improving economy which generates payroll growth and wage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (inflation. ) Tj ET Q q 0 0 0 rg BT 90.70 687.60 Td (W) Tj ET Q q 0 0 0 rg BT 99.34 687.60 Td (e believe that consistent operating results, combined with the implementation of strategic initiatives and the ef) Tj ET Q q 0 0 0 rg BT 539.59 687.60 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (deployment of capital, will allow us to meet our long-term financial objectives.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (Further discussion is included in "Reconciliation of Non-GAAP) Tj ET Q q 0 0 0 rg BT 305.13 651.60 Td ( Financial Measures," "Consolidated Operating Results," ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td ("Segment Results," "Investments," and "Liquidity and Capital Resources" contained herein in this Item 7 and in the "Notes to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (Consolidated Financial Statements" contained herein in Item 8.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (Reconciliation of Non-GAAP) Tj ET Q q 0 0 0 rg BT 172.83 603.60 Td ( and Other) Tj ET Q q 0 0 0 rg BT 219.31 603.60 Td ( Financial Measur) Tj ET Q q 0 0 0 rg BT 296.91 603.60 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 579.60 Td (e analyze our performance using non-GAAP) Tj ET Q q 0 0 0 rg BT 236.32 579.60 Td ( financial measures. ) Tj ET Q q 0 0 0 rg BT 320.45 579.60 Td (A) Tj ET Q q 0 0 0 rg BT 327.12 579.60 Td ( non-GAAP) Tj ET Q q 0 0 0 rg BT 374.81 579.60 Td ( financial measure is a numerical measure of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (company's performance, financial position, or cash flows that excludes or includes amounts that are not normally excluded or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (included in the most directly comparable measure calculated and presented in accordance with GAAP) Tj ET Q q 0 0 0 rg BT 456.29 555.60 Td (. ) Tj ET Q q 0 0 0 rg BT 463.61 555.60 Td (The non-GAAP) Tj ET Q q 0 0 0 rg BT 526.84 555.60 Td ( financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (measure of "after) Tj ET Q q 0 0 0 rg BT 118.34 543.60 Td (-tax adjusted operating income" dif) Tj ET Q q 0 0 0 rg BT 259.42 543.60 Td (fers from net income as presented in our consolidated operating results and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (income statements prepared in accordance with GAAP) Tj ET Q q 0 0 0 rg BT 268.49 531.60 Td ( due to the exclusion of net realized investment gains and losses and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (certain other items as specified in the reconciliations below) Tj ET Q q 0 0 0 rg BT 285.99 519.60 Td (. ) Tj ET Q q 0 0 0 rg BT 293.31 519.60 Td (W) Tj ET Q q 0 0 0 rg BT 301.95 519.60 Td (e believe after) Tj ET Q q 0 0 0 rg BT 358.37 519.60 Td (-tax adjusted operating income is a better ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (performance measure and better indicator of the profitability and underlying trends in our business. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (Realized investment gains or losses depend on market conditions and do not necessarily relate to decisions regarding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (underlying business of our segments. Our investment focus is on investment income to support our insurance liabilities as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (opposed to the generation of realized investment gains or losses. ) Tj ET Q q 0 0 0 rg BT 311.66 459.60 Td (Although we may experience realized investment gains or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (losses which will af) Tj ET Q q 0 0 0 rg BT 128.47 447.60 Td (fect future earnings levels,a long-term focus is necessary to maintain profitability over the life of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (business since our underlying business is long-term in nature, and we need to earn the interest rates assumed in calculating our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (liabilities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 399.60 Td (e may at other times exclude certain other items from our discussion of financial ratios and metrics in order to enhance the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (understanding and comparability of our operational performance and the underlying fundamentals. ) Tj ET Q q 0 0 0 rg BT 449.47 387.60 Td (W) Tj ET Q q 0 0 0 rg BT 458.10 387.60 Td (e exclude these items as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (we believe them to be infrequent or unusual in nature, but this exclusion is not an indication that similar items may not recur and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (does not replace net income or net loss as a measure of our overall profitability) Tj ET Q q 0 0 0 rg BT 364.86 363.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (See "Executive Summary" contained herein in Item 7 and Notes 6, 7, and 14 of the "Notes to Consolidated Financial Statements" ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (contained herein in Item 8 for further discussion regarding the impacts of the long-term care reserve increase, the ) Tj ET Q q 0 0 0 rg BT 504.42 327.60 Td (TCJA, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (unclaimed death benefit reserve increase, and the loss from a guaranty fund assessment, respectively) Tj ET Q q 0 0 0 rg BT 451.20 315.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td ( ) Tj ET Q endstream endobj 85 0 obj <> endobj 86 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (A) Tj ET Q q 0 0 0 rg BT 56.17 735.60 Td ( reconciliation of GAAP) Tj ET Q q 0 0 0 rg BT 153.83 735.60 Td ( financial measures to our non-GAAP) Tj ET Q q 0 0 0 rg BT 304.81 735.60 Td ( financial measures is as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 683.10 163.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 212.25 683.10 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.25 683.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.25 683.10 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.25 683.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.25 683.10 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.25 683.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.25 683.10 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.25 683.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.25 683.10 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 683.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.25 683.10 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 655.10 163.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 212.25 655.10 56.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.25 655.10 4.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.25 655.10 55.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.25 655.10 4.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.25 655.10 56.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.25 655.10 4.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.25 655.10 55.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.25 655.10 4.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.25 655.10 56.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 655.10 4.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.25 655.10 56.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 583.10 163.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 212.25 583.10 56.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.25 583.10 4.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.25 583.10 55.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.25 583.10 4.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.25 583.10 56.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.25 583.10 4.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.25 583.10 55.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.25 583.10 4.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.25 583.10 56.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 583.10 4.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.25 583.10 56.00 -36.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 521.10 163.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 212.25 521.10 56.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.25 521.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.25 521.10 55.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.25 521.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.25 521.10 56.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.25 521.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.25 521.10 55.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.25 521.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.25 521.10 56.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 521.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.25 521.10 56.00 -26.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.25 711.1 m 268.25 711.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.25 711.1 m 272.25 711.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.25 711.1 m 327.25 711.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.25 711.1 m 331.25 711.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.25 711.1 m 387.25 711.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.25 711.1 m 391.25 711.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.25 711.1 m 446.25 711.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 711.1 m 450.25 711.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.25 711.1 m 506.25 711.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 711.1 m 510.25 711.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.25 711.1 m 566.25 711.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.25 711.1 m 268.25 711.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.25 697.1 m 268.25 697.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.25 711.1 m 272.25 711.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.25 697.1 m 272.25 697.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.25 711.1 m 327.25 711.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.25 697.1 m 327.25 697.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.25 711.1 m 331.25 711.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.25 711.1 m 387.25 711.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.25 697.1 m 387.25 697.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.25 711.1 m 391.25 711.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.25 697.1 m 391.25 697.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.25 711.1 m 446.25 711.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.25 697.1 m 446.25 697.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.25 711.1 m 506.25 711.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.25 697.1 m 506.25 697.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 697.1 m 510.25 697.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.25 697.1 m 566.25 697.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.25 697.1 m 268.25 697.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.25 683.1 m 268.25 683.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.25 697.1 m 272.25 697.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.25 697.1 m 327.25 697.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.25 683.1 m 327.25 683.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.25 683.1 m 387.25 683.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.25 683.1 m 446.25 683.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.25 683.1 m 506.25 683.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.25 697.1 m 566.25 697.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.25 683.1 m 566.25 683.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.25 683.1 m 268.25 683.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.25 683.1 m 327.25 683.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.25 683.1 m 387.25 683.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.25 683.1 m 446.25 683.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.25 683.1 m 506.25 683.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.25 683.1 m 566.25 683.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.25 495.1 m 268.25 495.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.25 495.1 m 327.25 495.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.25 495.1 m 387.25 495.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.25 495.1 m 446.25 495.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.25 495.1 m 506.25 495.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.25 495.1 m 566.25 495.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.25 495.1 m 268.25 495.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.25 470.1 m 268.25 470.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.25 468.1 m 268.25 468.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.25 495.1 m 327.25 495.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.25 470.1 m 327.25 470.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.25 468.1 m 327.25 468.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.25 495.1 m 387.25 495.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.25 470.1 m 387.25 470.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.25 468.1 m 387.25 468.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.25 495.1 m 446.25 495.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.25 470.1 m 446.25 470.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.25 468.1 m 446.25 468.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.25 495.1 m 506.25 495.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.25 470.1 m 506.25 470.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.25 468.1 m 506.25 468.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.25 495.1 m 566.25 495.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.25 470.1 m 566.25 470.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.25 468.1 m 566.25 468.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.45 715.67 Td (Y) Tj ET Q q 0 0 0 rg BT 344.17 715.67 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.25 701.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.25 701.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.75 701.67 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.85 687.67 Td (\(in millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.30 687.67 Td (per share *) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.85 687.67 Td (\(in millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.30 687.67 Td (per share *) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.85 687.67 Td (\(in millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.80 687.67 Td (per share *) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 673.78 Td (Net Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.75 673.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.90 673.67 Td (523.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.75 673.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.90 673.67 Td (2.38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.75 673.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.90 673.67 Td (994.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.75 673.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.90 673.67 Td (4.37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.75 673.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.90 673.67 Td (931.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.75 673.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 673.67 Td (3.95) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 659.67 Td (Excluding:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 643.77 Td (Net Realized Investment Gain \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 633.77 Td (\(net of tax expense \(benefit\) of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 623.77 Td ($\(1) Tj ET Q q 0 0 0 rg BT 70.89 623.77 Td (1.0\); $15.0; $8.4\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.55 623.77 Td (\(28.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.40 623.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.55 623.82 Td (\(0.12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.40 623.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.90 623.77 Td (25.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.90 623.77 Td (0.1) Tj ET Q q 0 0 0 rg BT 437.40 623.77 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.90 623.77 Td (15.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 623.77 Td (0.07) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 607.77 Td (Loss from Guaranty Fund) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 597.77 Td (Assessment \(net of tax benefit of $-;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 587.77 Td ($7.2; $-\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.40 587.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.40 587.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.55 587.82 Td (\(13.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.40 587.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.55 587.82 Td (\(0.06) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.40 587.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.40 587.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 587.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 571.77 Td (Unclaimed Death Benefits Reserve) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 561.77 Td (Increase \(net of tax benefit of $-;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 551.77 Td ($13.6; $-\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.40 551.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.40 551.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.55 551.82 Td (\(25.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.40 551.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.55 551.82 Td (\(0.1) Tj ET Q q 0 0 0 rg BT 437.38 551.82 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.40 551.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.40 551.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 551.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 535.77 Td (Net ) Tj ET Q q 0 0 0 rg BT 74.60 535.77 Td (T) Tj ET Q q 0 0 0 rg BT 80.27 535.77 Td (ax Benefit from Impacts of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 525.77 Td (TCJA) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.40 525.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.40 525.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.90 525.77 Td (31.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.90 525.77 Td (0.14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.40 525.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 525.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 509.77 Td (Long-term Care Reserve Increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 499.77 Td (\(net of tax benefit of $157.7; $-; $-\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.55 499.77 Td (\(593.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.40 499.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.55 499.82 Td (\(2.70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.40 499.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.40 499.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.40 499.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.40 499.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 499.77 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 483.78 Td (After) Tj ET Q q 0 0 0 rg BT 74.14 483.78 Td (-tax ) Tj ET Q q 0 0 0 rg BT 92.75 483.78 Td (Adjusted Operating) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 473.78 Td (Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.75 473.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.40 473.77 Td (1,145.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.75 473.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.90 473.77 Td (5.20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.75 473.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.90 473.77 Td (976.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.75 473.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.90 473.77 Td (4.29) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.75 473.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.90 473.77 Td (915.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.75 473.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 473.77 Td (3.88) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 445.67 Td (* ) Tj ET Q q 0 0 0 rg BT 58.70 445.67 Td (Assuming Dilution) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 417.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 417.60 Td (e measure and analyze our segment performance on the basis of "adjusted operating revenue" and "adjusted operating income" ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 405.60 Td (or "adjusted operating loss", which dif) Tj ET Q q 0 0 0 rg BT 203.01 405.60 Td (fer from total revenue and income before income tax as presented in our consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 393.60 Td (statements of income due to the exclusion of net realized investment gains and losses and certain other items as specified in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 381.60 Td (reconciliations below) Tj ET Q q 0 0 0 rg BT 134.66 381.60 Td (. ) Tj ET Q q 0 0 0 rg BT 141.98 381.60 Td (These performance measures are in accordance with GAAP) Tj ET Q q 0 0 0 rg BT 380.66 381.60 Td ( guidance for segment reporting, but they ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 369.60 Td (should not be viewed as a substitute for total revenue, income before income tax, or net income. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 345.60 Td (A) Tj ET Q q 0 0 0 rg BT 56.17 345.60 Td ( reconciliation of total revenue to "adjusted operating revenue" and income before income tax to "adjusted operating income" is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 333.60 Td (as follows: ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 281.10 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 281.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 281.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.00 281.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 281.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 281.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 253.10 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 253.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 253.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.00 253.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 253.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 253.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 225.10 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 225.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 225.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.00 225.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 225.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 225.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 197.10 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 197.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 197.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.00 197.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 197.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 197.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 169.10 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 169.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 169.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.00 169.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 169.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 169.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 141.10 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 141.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 141.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.00 141.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 141.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.00 141.10 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380 309.1 m 439 309.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439 309.1 m 443 309.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443 309.1 m 503 309.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 309.1 m 507 309.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 309.1 m 567 309.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380 309.1 m 439 309.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380 295.1 m 439 295.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439 309.1 m 443 309.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443 309.1 m 503 309.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443 295.1 m 503 295.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 309.1 m 507 309.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 309.1 m 567 309.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 295.1 m 567 295.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380 281.1 m 439 281.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439 281.1 m 443 281.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443 281.1 m 503 281.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 281.1 m 507 281.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 281.1 m 567 281.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380 239.10000000000002 m 439 239.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443 239.10000000000002 m 503 239.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 239.10000000000002 m 567 239.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380 239.10000000000002 m 439 239.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380 226.10000000000002 m 439 226.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380 224.10000000000002 m 439 224.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443 239.10000000000002 m 503 239.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443 226.10000000000002 m 503 226.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443 224.10000000000002 m 503 224.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 239.10000000000002 m 567 239.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 226.10000000000002 m 567 226.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 224.10000000000002 m 567 224.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380 127.10000000000002 m 439 127.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380 114.10000000000002 m 439 114.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380 112.10000000000002 m 439 112.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443 127.10000000000002 m 503 127.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443 114.10000000000002 m 503 114.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443 112.10000000000002 m 503 112.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 127.10000000000002 m 567 127.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 114.10000000000002 m 567 114.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507 112.10000000000002 m 567 112.10000000000002 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.70 313.67 Td (Y) Tj ET Q q 0 0 0 rg BT 428.42 313.67 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.00 299.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.50 299.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.50 299.67 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.85 285.67 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 271.78 Td (T) Tj ET Q q 0 0 0 rg BT 58.71 271.78 Td (otal Revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.50 271.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.15 271.67 Td (1) Tj ET Q q 0 0 0 rg BT 405.15 271.67 Td (1,598.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.50 271.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.15 271.67 Td (1) Tj ET Q q 0 0 0 rg BT 469.15 271.67 Td (1,286.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.50 271.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.15 271.67 Td (1) Tj ET Q q 0 0 0 rg BT 533.15 271.67 Td (1,046.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 257.67 Td (Excluding:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 243.67 Td (Net Realized Investment Gain \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.30 243.72 Td (\(39.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.15 243.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.65 243.67 Td (40.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 243.67 Td (24.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 229.78 Td (Adjusted Operating Revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.50 229.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.15 229.67 Td (1) Tj ET Q q 0 0 0 rg BT 405.15 229.67 Td (1,638.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.50 229.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.15 229.67 Td (1) Tj ET Q q 0 0 0 rg BT 469.15 229.67 Td (1,246.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.50 229.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.15 229.67 Td (1) Tj ET Q q 0 0 0 rg BT 533.15 229.67 Td (1,022.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 201.83 Td (Income Befor) Tj ET Q q 0 0 0 rg BT 110.45 201.83 Td (e Income ) Tj ET Q q 0 0 0 rg BT 151.36 201.83 Td (T) Tj ET Q q 0 0 0 rg BT 157.49 201.83 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.50 201.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.65 201.67 Td (627.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.50 201.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.15 201.67 Td (1,404.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.50 201.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 201.67 Td (1,347.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 187.67 Td (Excluding:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 173.67 Td (Net Realized Investment Gain \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.30 173.72 Td (\(39.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.15 173.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.65 173.67 Td (40.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 173.67 Td (24.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 159.67 Td (Loss from Guaranty Fund ) Tj ET Q q 0 0 0 rg BT 164.32 159.67 Td (Assessment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.15 159.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 159.72 Td (\(20.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.15 159.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 159.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 145.67 Td (Unclaimed Death Benefits Reserve Increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.15 145.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 145.72 Td (\(39.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.15 145.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 145.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 131.67 Td (Long-term Care Reserve Increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.30 131.72 Td (\(750.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.15 131.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 131.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 131.67 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 117.83 Td (Adjusted Operating Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.50 117.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.15 117.67 Td (1,418.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.50 117.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.15 117.67 Td (1,423.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.50 117.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 117.67 Td (1,323.5) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 87 0 obj <> endobj 88 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (39) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 735.75 Td (Critical ) Tj ET Q q 0 0 0 rg BT 84.21 735.75 Td (Accounting Estimates) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 711.75 Td (e prepare our financial statements in accordance with GAAP) Tj ET Q q 0 0 0 rg BT 299.71 711.75 Td (. ) Tj ET Q q 0 0 0 rg BT 307.03 711.75 Td (The preparation of financial statements in conformity with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.75 Td (GAAP) Tj ET Q q 0 0 0 rg BT 76.36 699.75 Td ( requires us to make estimates and assumptions that af) Tj ET Q q 0 0 0 rg BT 293.07 699.75 Td (fect amounts reported in our financial statements and accompanying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.75 Td (notes. Estimates and assumptions could change in the future as more information becomes known, which could impact the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.75 Td (amounts reported and disclosed in our financial statements. ) Tj ET Q q 0 0 0 rg BT 291.48 675.75 Td (The accounting estimates deemed to be most critical to our financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.75 Td (position and results of operations are those related to reserves for policy and contract benefits, deferred acquisition costs, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.75 Td (valuation of investments, pension and postretirement benefit plans, income taxes, and contingent liabilities. For additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.75 Td (information, refer to our significant accounting policies in Note 1 of the "Notes to Consolidated Financial Statements" contained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.75 Td (herein in Item 8.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.75 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 603.75 Td (Reserves for Policy and Contract Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.75 Td (Reserves for policy and contract benefits are our lar) Tj ET Q q 0 0 0 rg BT 256.45 579.75 Td (gest liabilities and represent claims that we estimate we will eventually pay ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.75 Td (to our policyholders. ) Tj ET Q q 0 0 0 rg BT 137.36 567.75 Td (The two primary categories of reserves are policy reserves for claims not yet incurred and claim reserves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.75 Td (for claims that have been incurred or are estimated to have been incurred but not yet reported to us. Reserves for policy and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.75 Td (contract benefits equaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.95 543.75 Td ($43.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.06 543.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.50 543.75 Td ($42.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.62 543.75 Td ( at December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.42 543.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.42 543.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.86 543.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.86 543.75 Td (, respectively) Tj ET Q q 0 0 0 rg BT 456.52 543.75 Td (, or approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.61 543.75 Td (81.3 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.75 Td (percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.92 531.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.36 531.75 Td (77.4 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.79 531.75 Td ( of our total liabilities, respectively) Tj ET Q q 0 0 0 rg BT 287.10 531.75 Td (. Reserves ceded to reinsurers were $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.15 531.75 Td (7.2 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.26 531.75 Td ( at both December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.75 Td (31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.50 519.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.50 519.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.94 519.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.94 519.75 Td ( and are reported as a reinsurance recoverable in our consolidated balance sheets. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 494.4169921875 m 134.1552734375 494.4169921875 l s q 0 0 0 rg BT 67.50 495.75 Td (Policy Reserves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.75 Td (Policy reserves are established in the same period we issue a policy and equal the dif) Tj ET Q q 0 0 0 rg BT 388.38 471.75 Td (ference between projected future policy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.75 Td (benefits and future premiums, allowing a mar) Tj ET Q q 0 0 0 rg BT 231.77 459.75 Td (gin for expenses and profit. ) Tj ET Q q 0 0 0 rg BT 346.28 459.75 Td (These reserves relate primarily to our non-interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.75 Td (sensitive products, including our individual disability and voluntary benefits products in our Unum US segment; individual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.75 Td (disability and life products in our Unum International segment; disability and cancer and critical illness policies in our Colonial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.75 Td (Life segment; and individual disability) Tj ET Q q 0 0 0 rg BT 203.82 423.75 Td (, long-term care, and other products in our Closed Block segment. ) Tj ET Q q 0 0 0 rg BT 472.74 423.75 Td (The reserves are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.75 Td (calculated based on assumptions that were appropriate at the date the policy was issued and are not subsequently modified unless ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.75 Td (the policy reserves become inadequate \(i.e. loss recognition occurs\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 375.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 375.75 Td (Persistency assumptions are based on our actual historical experience adjusted for future expectations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 363.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 363.75 Td (Claim incidence and claim resolution rate assumptions related to mortality and morbidity are based on actual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 351.75 Td (experience or industry standards adjusted as appropriate to reflect our actual experience and future expectations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 339.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 339.75 Td (Discount rate assumptions are based on our current and expected net investment returns. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.75 Td (In establishing policy reserves, we use assumptions that reflect our best estimate while considering the potential for adverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.75 Td (variances in actual future experience, which results in a total policy reserve balance that has an embedded reserve for adverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.75 Td (deviation. ) Tj ET Q q 0 0 0 rg BT 94.03 291.75 Td (W) Tj ET Q q 0 0 0 rg BT 102.67 291.75 Td (e do not, however) Tj ET Q q 0 0 0 rg BT 173.91 291.75 Td (, establish an explicit and separate reserve as a provision for adverse deviation from our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.75 Td (assumptions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 255.75 Td (e perform loss recognition tests on our policy reserves annually) Tj ET Q q 0 0 0 rg BT 311.03 255.75 Td (, or more frequently if appropriate, using best estimate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.75 Td (assumptions as of the date of the test, without a provision for adverse deviation. ) Tj ET Q q 0 0 0 rg BT 373.42 243.75 Td (W) Tj ET Q q 0 0 0 rg BT 382.05 243.75 Td (e group the policy reserves for each major ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.75 Td (product line within a segment when we perform the loss recognition tests. If the policy reserves determined using these best ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.75 Td (estimate assumptions are higher than our existing policy reserves net of any deferred acquisition cost balance, the existing policy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.75 Td (reserves are increased or deferred acquisition costs are reduced to immediately recognize the deficiency) Tj ET Q q 0 0 0 rg BT 463.92 207.75 Td (. ) Tj ET Q q 0 0 0 rg BT 471.24 207.75 Td (Thereafter) Tj ET Q q 0 0 0 rg BT 512.47 207.75 Td (, the policy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.75 Td (reserves for the product line are calculated using the same method we used for the loss recognition testing, referred to as the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.75 Td (gross premium valuation method, wherein we use our best estimate as of the gross premium valuation \(loss recognition\) date ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.75 Td (rather than the initial policy issue date to determine the expected future claims, commissions, and expenses we will pay and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.75 Td (expected future gross premiums we will receive. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.75 Td (Because the key policy reserve assumptions for policy persistency) Tj ET Q q 0 0 0 rg BT 313.77 135.75 Td (, mortality and morbidity) Tj ET Q q 0 0 0 rg BT 413.67 135.75 Td (, and discount rates are all locked in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.75 Td (at policy issuance based on assumptions appropriate at that time, policy reserve assumptions are generally not changed due to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.75 Td (change in claim status from active to disabled subsequent to policy issuance. Depending on the funding mechanism, a full ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.75 Td (policy reserve is held during disability reflecting continued funding of the full policy reserve during a disability claim, or a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.75 Td (fractional policy reserve is held reflecting that the individual policyholder would need to recover before he or she can again ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.75 Td (generate future claims for a separate occurrence. ) Tj ET Q q 0 0 0 rg BT 248.37 75.75 Td (The policy reserves build up and release over time based on assumptions made ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.75 Td (at the time of policy issuance such that the reserve is eliminated as policyholders either reach the terminal age for coverage, die, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 51.75 Td (or voluntarily lapse the policy) Tj ET Q q 0 0 0 rg BT 168.82 51.75 Td (. Policy reserves for Unum US, Unum International, and Colonial Life products are determined ) Tj ET Q endstream endobj 89 0 obj <> endobj 90 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (using the net level premium method as prescribed by GAAP) Tj ET Q q 0 0 0 rg BT 289.73 735.60 Td (. In applying this method, we use, as applicable by product type, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (morbidity and mortality incidence rate assumptions, claim resolution rate assumptions, and policy persistency assumptions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (among others, to determine our expected future claim payments and expected future premium income. ) Tj ET Q q 0 0 0 rg BT 463.89 711.60 Td (W) Tj ET Q q 0 0 0 rg BT 472.53 711.60 Td (e then apply an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (interest, or discount, rate to determine the present value of the expected future claims and claim expenses we will pay and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (expected future premiums we will receive, with a provision for profit allowed. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (Policy reserves for our Closed Block segment include certain older policy forms for individual disability) Tj ET Q q 0 0 0 rg BT 467.09 663.60 Td (, individual and group ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (long-term care, and certain other products, all of which are no longer actively marketed. ) Tj ET Q q 0 0 0 rg BT 406.39 651.60 Td (The reserves for individual disability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (and individual and group long-term care are determined using the gross premium valuation method. Key assumptions are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (persistency) Tj ET Q q 0 0 0 rg BT 93.84 627.60 Td (, mortality and morbidity) Tj ET Q q 0 0 0 rg BT 193.73 627.60 Td (, claim incidence, claim resolution rates, commission rates, and maintenance expense rates. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (For long-term care, premium rate increases are also a key assumption. ) Tj ET Q q 0 0 0 rg BT 334.77 615.60 Td (W) Tj ET Q q 0 0 0 rg BT 343.41 615.60 Td (e apply an interest, or discount, rate to determine the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (present value of the expected future claims, commissions, and expenses we will pay as well as the expected future premiums we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (will receive, with no provision for future profit. ) Tj ET Q q 0 0 0 rg BT 244.55 591.60 Td (The interest rate is based on our expected net investment returns on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (investment portfolio supporting the reserves for these blocks of business. Under the gross premium valuation method, we do not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (include an embedded provision for the risk of adverse deviation from these assumptions. Gross premium valuation assumptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (do not change after the date of loss recognition unless reserves are again determined to be deficient in the future.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (Policy reserves for certain other products, excluding individual disability and individual and group long-term care, which are no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (longer actively marketed and are reported in our Closed Block segment represent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.60 519.60 Td ($5.9 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.72 519.60 Td ( on a gross basis. ) Tj ET Q q 0 0 0 rg BT 495.59 519.60 Td (W) Tj ET Q q 0 0 0 rg BT 504.23 519.60 Td (e have ceded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td ($5.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.61 507.60 Td ( of reserves related to the other products, which are primarily comprised of policy reserves, to reinsurers. ) Tj ET Q q 0 0 0 rg BT 520.01 507.60 Td (The ceded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (reserve balance is reported in our consolidated balance sheets as a reinsurance recoverable. ) Tj ET Q q 0 0 0 rg BT 418.31 495.60 Td (W) Tj ET Q q 0 0 0 rg BT 426.95 495.60 Td (e continue to service a block of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (group pension products, which we have not ceded, and the policy reserves for these products are based on expected mortality ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (rates and retirement rates. Expected future payments are discounted at interest rates reflecting the anticipated investment returns ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (for the assets supporting the liabilities.) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 434.2669921875 m 130.5419921875 434.2669921875 l s q 0 0 0 rg BT 67.50 435.60 Td (Claim Reserves) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (Claim reserves are established when a claim is incurred or is estimated to have been incurred but not yet reported \(IBNR\) to us ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (and, as prescribed by GAAP) Tj ET Q q 0 0 0 rg BT 162.53 399.60 Td (, equals our long-term best estimate of the present value of the liability for future claim payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (and claim adjustment expenses. ) Tj ET Q q 0 0 0 rg BT 180.58 387.60 Td (A) Tj ET Q q 0 0 0 rg BT 187.25 387.60 Td ( claim reserve is based on actual known facts regarding the claim, such as the benefits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (available under the applicable policy) Tj ET Q q 0 0 0 rg BT 196.01 375.60 Td (, the covered benefit period, the age, and, as appropriate, the occupation and cause of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (disability of the claimant, as well as assumptions derived from our actual historical experience and expected future changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (experience for factors such as the claim duration, discount rate, and policy benefit of) Tj ET Q q 0 0 0 rg BT 387.80 351.60 Td (fsets, including those for social security and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (other government-based welfare benefits. Reserves for IBNR claims, similar to incurred claim reserves, include our assumptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (for claim duration and discount rates, but because we do not yet know the facts regarding the specific claims, these reserves are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (also established based on historical incidence rate assumptions, including claim reporting patterns, the average cost of claims, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (and the expected volumes of incurred claims. Our incurred claim reserves and IBNR claim reserves do not include any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (provision for the risk of adverse deviation from our assumptions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (Claim reserves, unlike policy reserves, are subject to revision as current claim experience and projections of future factors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (af) Tj ET Q q 0 0 0 rg BT 57.09 255.60 Td (fecting claim experience change. Each quarter we review our emer) Tj ET Q q 0 0 0 rg BT 326.48 255.60 Td (ging experience to ensure that our claim reserves are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (appropriate. If we believe, based on our actual experience and our view of future events, that our long-term assumptions need to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (be modified, we adjust our reserves accordingly with a char) Tj ET Q q 0 0 0 rg BT 288.12 231.60 Td (ge or credit to our current period income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (Multiple estimation methods exist to establish claim reserve liabilities, with each method having its own advantages and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (disadvantages. ) Tj ET Q q 0 0 0 rg BT 112.54 195.60 Td (A) Tj ET Q q 0 0 0 rg BT 119.02 195.60 Td (vailable reserving methods utilized to calculate claim reserves include the tabular reserve method, the paid loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (development method, the incurred loss development method, the count and severity method, and the expected claim cost ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.60 Td (method. No single method is better than the others in all situations and for all product lines. ) Tj ET Q q 0 0 0 rg BT 422.86 171.60 Td (The estimation methods we have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td (chosen are those that we believe produce the most reliable reserves.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 135.60 Td (e use a tabular reserve methodology on reported claims for our Unum US group long-term disability and individual disability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.60 Td (claims as well as for our Closed Block individual disability and group and individual long-term care claims. Under the tabular ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (reserve methodology) Tj ET Q q 0 0 0 rg BT 132.99 111.60 Td (, reserves for reported claims are based on certain characteristics of the actual reported claimants, such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.60 Td (age, length of time disabled, and medical diagnosis, as well as assumptions regarding claim duration, discount rate, and policy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.60 Td (benefit of) Tj ET Q q 0 0 0 rg BT 87.91 87.60 Td (fsets. ) Tj ET Q q 0 0 0 rg BT 113.56 87.60 Td (W) Tj ET Q q 0 0 0 rg BT 122.20 87.60 Td (e believe the tabular reserve method is the most accurate to calculate long-term liabilities and allows us to use ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.60 Td (the most available known facts about each claim. IBNR claim reserves for our long-term products are calculated using the count ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.60 Td (and severity method using historical patterns of the claims to be reported and the associated claim costs. For Unum US group ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 51.60 Td (short-term disability products, an estimate of the value of future payments to be made on claims already submitted, as well as on ) Tj ET Q endstream endobj 91 0 obj <> endobj 92 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (41) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (IBNR claims, is determined in aggregate using a paid loss development method rather than on the individual claimant basis that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (we use for reported claims on long-term products. ) Tj ET Q q 0 0 0 rg BT 254.26 723.60 Td (The average length of time between the event triggering a claim under a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (policy and the final resolution of those claims is much shorter for these products than for our long-term liabilities and results in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (less estimation variability) Tj ET Q q 0 0 0 rg BT 151.61 699.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (Claim reserves for Unum US group life and accidental death and dismemberment products are related primarily to death claims ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (reported but not yet paid, IBNR death claims, and a liability for waiver of premium benefits. ) Tj ET Q q 0 0 0 rg BT 424.22 663.60 Td (The death claim reserve is based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (the actual face amount to be paid, the IBNR reserve is calculated using the paid loss development method, and the waiver of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (premium benefits reserve is calculated using the tabular reserve methodology) Tj ET Q q 0 0 0 rg BT 358.46 639.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (Claim reserves supporting the group and individual dental and vision products reported in our Unum US and Colonial Life ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (segments have a short claim payout period. ) Tj ET Q q 0 0 0 rg BT 226.96 603.60 Td (As a result, the reserves, which primarily represent IBNR and a small amount of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (claims pending payment, are calculated using the paid loss development method.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (Claim reserves supporting our Unum International segment are calculated using generally the same methodology that we use for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (Unum US disability and group term life reserves. Claim reserves for our Unum UK group dependent life product are calculated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (using discounted cash flows, based on our assumptions for claim duration and discount rates. ) Tj ET Q q 0 0 0 rg BT 426.75 543.60 Td (The assumptions used in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (calculating claim reserves for this segment are based on standard country-specific industry experience, adjusted for our own ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (experience. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (The majority of the Colonial Life segment lines of business have short-term benefits, which generally have less estimation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (variability than our long-term products because of the shorter claim payout period. Our claim reserves for Colonial Life's lines ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (of business are predominantly determined using the incurred loss development method based on our own experience. ) Tj ET Q q 0 0 0 rg BT 523.08 471.60 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (incurred loss development method uses the historical patterns of payments by loss date to predict future claim payments for each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (loss date. ) Tj ET Q q 0 0 0 rg BT 91.54 447.60 Td (Where the incurred loss development method may not be appropriate, we estimate the incurred claims using an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (expected claim cost per policy or other measure of exposure. ) Tj ET Q q 0 0 0 rg BT 297.56 435.60 Td (The key assumptions for claim reserves for the Colonial Life lines ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (of business are: \(1\) the timing, rate, and amount of estimated future claim payments; and \(2\) the estimated expenses associated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (with the payment of claims. ) Tj ET Q endstream endobj 93 0 obj <> endobj 94 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (42) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (The following table displays policy reserves, incurred claim reserves, and IBNR claim reserves by major product line, with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (summation of the policy reserves and claim reserves shown both gross and net of the associated reinsurance recoverable. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (Incurred claim reserves represent the expected benefits payable under each incurred claim, along with other expenses associated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (with the payment of the claims. IBNR claim reserves include provisions for incurred but not reported claims and a provision for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (reopened claims for our disability products. ) Tj ET Q q 0 0 0 rg BT 228.72 687.60 Td (The IBNR and reopened claim reserves for our disability products are developed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (and maintained in aggregate based on historical monitoring. Impacting year over year comparability of policy and claim ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (reserves in the following chart is the 2018 long-term care reserve increase. See "Executive Summary" contained herein in this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (Item 7 and Note 6 of the "Notes to Consolidated Financial Statements" contained herein in Item 8 for further discussion. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 561.10 157.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.75 561.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.75 561.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.75 561.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.75 561.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 561.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.75 561.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.75 561.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.75 561.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.75 561.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 561.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.75 561.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.75 561.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.75 561.10 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.75 561.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.75 561.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 525.10 157.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.75 525.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.75 525.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.75 525.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.75 525.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 525.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.75 525.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.75 525.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.75 525.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.75 525.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 525.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.75 525.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.75 525.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.75 525.10 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.75 525.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.75 525.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 497.10 157.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.75 497.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.75 497.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.75 497.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.75 497.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 497.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.75 497.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.75 497.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.75 497.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.75 497.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 497.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.75 497.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.75 497.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.75 497.10 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.75 497.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.75 497.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 469.10 157.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.75 469.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.75 469.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.75 469.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.75 469.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 469.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.75 469.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.75 469.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.75 469.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.75 469.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 469.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.75 469.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.75 469.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.75 469.10 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.75 469.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.75 469.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 441.10 157.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.75 441.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.75 441.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.75 441.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.75 441.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 441.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.75 441.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.75 441.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.75 441.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.75 441.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 441.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.75 441.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.75 441.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.75 441.10 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.75 441.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.75 441.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 413.10 157.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.75 413.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.75 413.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.75 413.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.75 413.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 413.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.75 413.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.75 413.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.75 413.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.75 413.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 413.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.75 413.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.75 413.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.75 413.10 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.75 413.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.75 413.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 385.10 157.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.75 385.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.75 385.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.75 385.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.75 385.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 385.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.75 385.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.75 385.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.75 385.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.75 385.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 385.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.75 385.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.75 385.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.75 385.10 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.75 385.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.75 385.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 357.10 157.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.75 357.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.75 357.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.75 357.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.75 357.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 357.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.75 357.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.75 357.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.75 357.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.75 357.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 357.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.75 357.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.75 357.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.75 357.10 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.75 357.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.75 357.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 329.10 157.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.75 329.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.75 329.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.75 329.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.75 329.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 329.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.75 329.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.75 329.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.75 329.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.75 329.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 329.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.75 329.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.75 329.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.75 329.10 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.75 329.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.75 329.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 301.10 157.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.75 301.10 41.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.75 301.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.75 301.10 41.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.75 301.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 301.10 41.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.75 301.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.75 301.10 41.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.75 301.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.75 301.10 41.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 301.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.75 301.10 41.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.75 301.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.75 301.10 46.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.75 301.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.75 301.10 41.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 261.10 157.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.75 261.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.75 261.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.75 261.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.75 261.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 261.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.75 261.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.75 261.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.75 261.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.75 261.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 261.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.75 261.10 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.75 261.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.75 261.10 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.75 261.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.75 261.10 41.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.75 615.1 m 246.75 615.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.75 615.1 m 250.75 615.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.75 615.1 m 291.75 615.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.75 615.1 m 295.75 615.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 615.1 m 336.75 615.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.75 615.1 m 340.75 615.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 615.1 m 381.75 615.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.75 615.1 m 385.75 615.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.75 615.1 m 426.75 615.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.75 615.1 m 430.75 615.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 615.1 m 471.75 615.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.75 615.1 m 475.75 615.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.75 615.1 m 521.75 615.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.75 615.1 m 525.75 615.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.75 615.1 m 566.75 615.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.75 601.1 m 246.75 601.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.75 601.1 m 250.75 601.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.75 601.1 m 291.75 601.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.75 601.1 m 295.75 601.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 601.1 m 336.75 601.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.75 601.1 m 340.75 601.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 601.1 m 381.75 601.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.75 601.1 m 385.75 601.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.75 601.1 m 426.75 601.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.75 601.1 m 430.75 601.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 601.1 m 471.75 601.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 587.1 m 336.75 587.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.75 587.1 m 340.75 587.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 587.1 m 381.75 587.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.75 561.1 m 246.75 561.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.75 561.1 m 291.75 561.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 561.1 m 336.75 561.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 561.1 m 381.75 561.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.75 561.1 m 426.75 561.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 561.1 m 471.75 561.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.75 561.1 m 521.75 561.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.75 561.1 m 566.75 561.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.75 561.1 m 291.75 561.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 561.1 m 336.75 561.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 561.1 m 381.75 561.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.75 483.1 m 246.75 483.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.75 483.1 m 291.75 483.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 483.1 m 336.75 483.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 483.1 m 381.75 483.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.75 483.1 m 426.75 483.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 483.1 m 471.75 483.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.75 483.1 m 521.75 483.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.75 483.1 m 566.75 483.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.75 483.1 m 246.75 483.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.75 483.1 m 291.75 483.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 483.1 m 336.75 483.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 483.1 m 381.75 483.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.75 483.1 m 426.75 483.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 483.1 m 471.75 483.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.75 483.1 m 521.75 483.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.75 483.1 m 566.75 483.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.75 357.1 m 246.75 357.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.75 343.1 m 246.75 343.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.75 357.1 m 291.75 357.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.75 343.1 m 291.75 343.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 357.1 m 336.75 357.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 343.1 m 336.75 343.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 357.1 m 381.75 357.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 343.1 m 381.75 343.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.75 357.1 m 426.75 357.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.75 343.1 m 426.75 343.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 357.1 m 471.75 357.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 343.1 m 471.75 343.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.75 357.1 m 521.75 357.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.75 343.1 m 521.75 343.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.75 357.1 m 566.75 357.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.75 343.1 m 566.75 343.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.75 316.1 m 246.75 316.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.75 314.1 m 246.75 314.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.75 316.1 m 291.75 316.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.75 314.1 m 291.75 314.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 316.1 m 336.75 316.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 314.1 m 336.75 314.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 316.1 m 381.75 316.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 314.1 m 381.75 314.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.75 316.1 m 426.75 316.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.75 314.1 m 426.75 314.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 275.1 m 471.75 275.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.75 275.1 m 521.75 275.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.75 275.1 m 566.75 275.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 248.10000000000002 m 471.75 248.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 246.10000000000002 m 471.75 246.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.75 248.10000000000002 m 521.75 248.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.75 246.10000000000002 m 521.75 246.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.75 248.10000000000002 m 566.75 248.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.75 246.10000000000002 m 566.75 246.10000000000002 l s BT /F4 8.00 Tf ET q 0 0 0 rg BT 51.25 619.35 Td (\(in millions of dollars\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 354.30 619.35 Td (December 31, 2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.90 605.35 Td (Gross) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.05 581.35 Td (T) Tj ET Q q 0 0 0 rg BT 494.66 581.35 Td (otal) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 478.45 573.35 Td (Reinsurance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 488.00 565.35 Td (Ceded) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 215.50 573.35 Td (Policy) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 211.30 565.35 Td (Reserves) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.00 591.35 Td (Claim Reserves) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 530.80 565.35 Td (T) Tj ET Q q 0 0 0 rg BT 535.41 565.35 Td (otal Net) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 267.40 565.35 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 302.20 565.35 Td (Incurred) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 351.15 565.35 Td (IBNR) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 402.40 565.35 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.55 565.35 Td (T) Tj ET Q q 0 0 0 rg BT 446.88 565.35 Td (otal) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.25 551.35 Td (Group Disability) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.25 551.35 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 235.55 551.35 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.55 551.35 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.55 551.35 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 298.25 551.35 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.50 551.35 Td (5,900.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.25 551.35 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.50 551.35 Td (670.8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 405.55 551.35 Td (28.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.55 551.35 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.25 551.35 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.50 551.35 Td (6,570.8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 478.25 551.35 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 504.50 551.35 Td (71.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 528.25 551.35 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 539.50 551.35 Td (6,499.8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.25 537.35 Td (Group Life and ) Tj ET Q q 0 0 0 rg BT 102.35 537.35 Td (Accidental Death &) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.25 529.35 Td (Dismemberment) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 229.50 529.35 Td (52.9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.55 529.35 Td (0.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 315.50 529.35 Td (750.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.50 529.35 Td (217.8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.55 529.35 Td (4.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.50 529.35 Td (1,021.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.55 529.35 Td (7.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 539.50 529.35 Td (1,014.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.25 515.35 Td (Individual Disability) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 225.50 515.35 Td (518.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.55 515.35 Td (2.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.50 515.35 Td (1,357.8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.50 515.35 Td (137.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.55 515.35 Td (6.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.50 515.35 Td (2,013.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.50 515.35 Td (217.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 539.50 515.35 Td (1,796.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.25 501.35 Td (V) Tj ET Q q 0 0 0 rg BT 56.51 501.35 Td (oluntary Benefits) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 219.50 501.35 Td (1,643.9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.55 501.35 Td (8.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 319.50 501.35 Td (49.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.50 501.35 Td (58.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.55 501.35 Td (0.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.50 501.35 Td (1,751.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 504.50 501.35 Td (27.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 539.50 501.35 Td (1,723.9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.25 487.35 Td (Dental and ) Tj ET Q q 0 0 0 rg BT 88.05 487.35 Td (V) Tj ET Q q 0 0 0 rg BT 93.52 487.35 Td (ision) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 235.55 487.35 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.55 487.35 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 323.50 487.35 Td (0.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.50 487.35 Td (14.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.55 487.35 Td (0.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 454.50 487.35 Td (14.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.55 487.35 Td (0.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 549.50 487.35 Td (14.4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.25 473.33 Td (Unum US Segment) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 219.50 473.35 Td (2,215.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 270.55 473.35 Td (1) Tj ET Q q 0 0 0 rg BT 274.55 473.35 Td (1.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.50 473.35 Td (8,057.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 354.50 473.35 Td (1,098.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 405.55 473.35 Td (39.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 440.50 473.35 Td (1) Tj ET Q q 0 0 0 rg BT 444.50 473.35 Td (1,371.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.50 473.35 Td (322.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.50 473.35 Td (1) Tj ET Q q 0 0 0 rg BT 539.50 473.35 Td (1,048.6) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.25 445.33 Td (Unum International Segment) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 225.50 445.35 Td (175.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.55 445.35 Td (0.9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.50 445.35 Td (1,838.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.50 445.35 Td (1) Tj ET Q q 0 0 0 rg BT 364.50 445.35 Td (15.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.55 445.35 Td (8.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.50 445.35 Td (2,129.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 504.50 445.35 Td (84.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 539.50 445.35 Td (2,044.5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.25 417.33 Td (Colonial Life Segment) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 219.50 417.35 Td (2,1) Tj ET Q q 0 0 0 rg BT 229.50 417.35 Td (12.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 270.55 417.35 Td (10.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 315.50 417.35 Td (292.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.50 417.35 Td (131.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.55 417.35 Td (1.8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.50 417.35 Td (2,536.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.55 417.35 Td (8.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 539.50 417.35 Td (2,528.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.25 389.35 Td (Individual Disability) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 225.50 389.35 Td (332.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.55 389.35 Td (1.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.50 389.35 Td (9,085.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.50 389.35 Td (199.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 405.55 389.35 Td (40.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.50 389.35 Td (9,616.8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 494.50 389.35 Td (1,646.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 539.50 389.35 Td (7,970.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.25 375.35 Td (Long-term Care) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 219.50 375.35 Td (9,463.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 270.55 375.35 Td (46.9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.50 375.35 Td (1,787.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.50 375.35 Td (235.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.55 375.35 Td (8.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 440.50 375.35 Td (1) Tj ET Q q 0 0 0 rg BT 444.50 375.35 Td (1,486.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 504.50 375.35 Td (39.9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg 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1 rg /GS0 gs 475.25 442.00 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.25 442.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.25 442.00 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 414.00 156.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.25 414.00 41.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.25 414.00 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.25 414.00 41.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.25 414.00 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.25 414.00 41.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.25 414.00 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.25 414.00 41.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.25 414.00 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.25 414.00 41.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.25 414.00 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.25 414.00 41.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.25 414.00 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.25 414.00 46.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.25 414.00 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.25 414.00 41.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 374.00 156.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.25 374.00 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.25 374.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.25 374.00 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.25 374.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.25 374.00 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.25 374.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.25 374.00 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.25 374.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.25 374.00 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.25 374.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.25 374.00 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.25 374.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.25 374.00 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.25 374.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.25 374.00 41.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.25 728 m 246.25 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 728 m 250.25 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 728 m 291.25 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.25 728 m 295.25 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.25 728 m 336.25 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.25 728 m 340.25 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.25 728 m 381.25 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.25 728 m 385.25 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.25 728 m 426.25 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.25 728 m 430.25 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.25 728 m 471.25 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.25 728 m 475.25 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.25 728 m 521.25 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.25 728 m 525.25 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.25 728 m 566.25 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.25 714 m 246.25 714 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 714 m 250.25 714 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 714 m 291.25 714 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.25 714 m 295.25 714 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.25 714 m 336.25 714 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.25 714 m 340.25 714 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.25 714 m 381.25 714 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.25 714 m 385.25 714 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.25 714 m 426.25 714 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.25 714 m 430.25 714 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.25 714 m 471.25 714 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.25 728 m 521.25 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.25 728 m 525.25 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.25 728 m 566.25 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.25 700 m 336.25 700 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.25 700 m 340.25 700 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.25 700 m 381.25 700 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.25 674 m 246.25 674 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 674 m 291.25 674 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.25 674 m 336.25 674 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.25 674 m 381.25 674 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.25 674 m 426.25 674 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.25 674 m 471.25 674 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.25 674 m 521.25 674 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.25 674 m 566.25 674 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 674 m 291.25 674 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.25 674 m 336.25 674 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.25 674 m 381.25 674 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.25 596 m 246.25 596 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 596 m 291.25 596 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.25 596 m 336.25 596 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.25 596 m 381.25 596 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.25 596 m 426.25 596 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.25 596 m 471.25 596 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.25 596 m 521.25 596 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.25 596 m 566.25 596 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.25 470 m 246.25 470 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.25 456 m 246.25 456 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 470 m 291.25 470 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 456 m 291.25 456 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.25 470 m 336.25 470 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.25 456 m 336.25 456 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.25 470 m 381.25 470 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.25 456 m 381.25 456 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.25 470 m 426.25 470 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.25 456 m 426.25 456 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.25 470 m 471.25 470 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.25 456 m 471.25 456 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.25 470 m 521.25 470 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.25 456 m 521.25 456 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.25 470 m 566.25 470 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.25 456 m 566.25 456 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.25 429 m 246.25 429 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.25 427 m 246.25 427 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 429 m 291.25 429 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 427 m 291.25 427 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.25 429 m 336.25 429 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.25 427 m 336.25 427 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.25 429 m 381.25 429 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.25 427 m 381.25 427 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.25 429 m 426.25 429 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.25 427 m 426.25 427 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.25 388 m 471.25 388 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.25 388 m 521.25 388 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.25 388 m 566.25 388 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.25 361 m 471.25 361 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.25 359 m 471.25 359 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.25 361 m 521.25 361 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.25 359 m 521.25 359 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.25 361 m 566.25 361 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.25 359 m 566.25 359 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.80 732.25 Td (December 31, 2017) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.40 718.25 Td (Gross) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 489.55 694.25 Td (T) Tj ET Q q 0 0 0 rg BT 494.16 694.25 Td (otal) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.95 686.25 Td (Reinsurance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.50 678.25 Td (Ceded) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 215.00 686.25 Td (Policy) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.80 678.25 Td (Reserves) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.50 704.25 Td (Claim Reserves) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 530.30 678.25 Td (T) Tj ET Q q 0 0 0 rg BT 534.91 678.25 Td (otal Net) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.90 678.25 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 301.70 678.25 Td (Incurred) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 350.65 678.25 Td (IBNR) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.90 678.25 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.05 678.25 Td (T) Tj ET Q q 0 0 0 rg BT 446.38 678.25 Td (otal) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.75 664.25 Td (Group Disability) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 207.75 664.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 235.05 664.25 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.05 664.25 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.05 664.25 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 297.75 664.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.00 664.25 Td (6,047.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.75 664.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.00 664.25 Td (624.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 405.05 664.25 Td (28.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.05 664.25 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 432.75 664.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.00 664.25 Td (6,671.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.75 664.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 504.00 664.25 Td (73.8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.75 664.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 539.00 664.25 Td (6,597.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.75 650.25 Td (Group Life and ) Tj ET Q q 0 0 0 rg BT 102.85 650.25 Td (Accidental Death &) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.75 642.25 Td (Dismemberment) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 229.00 642.25 Td (54.9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.05 642.25 Td (0.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 315.00 642.25 Td (735.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.00 642.25 Td (208.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.05 642.25 Td (4.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 450.00 642.25 Td (998.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.05 642.25 Td (5.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 545.00 642.25 Td (993.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.75 628.25 Td (Individual Disability) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 225.00 628.25 Td (533.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.05 628.25 Td (2.8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.00 628.25 Td (1,318.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.00 628.25 Td (137.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.05 628.25 Td (6.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.00 628.25 Td (1,989.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.00 628.25 Td (207.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 539.00 628.25 Td (1,781.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.75 614.25 Td (V) Tj ET Q q 0 0 0 rg BT 57.01 614.25 Td (oluntary Benefits) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 219.00 614.25 Td (1,566.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.05 614.25 Td (8.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 319.00 614.25 Td (46.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.00 614.25 Td (61.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.05 614.25 Td (0.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.00 614.25 Td (1,674.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 504.00 614.25 Td (27.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 539.00 614.25 Td (1,647.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.75 600.25 Td (Dental and ) Tj ET Q q 0 0 0 rg BT 88.55 600.25 Td (V) Tj ET Q q 0 0 0 rg BT 94.02 600.25 Td (ision) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 235.05 600.25 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.05 600.25 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 323.00 600.25 Td (0.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.00 600.25 Td (1) Tj ET Q q 0 0 0 rg BT 368.00 600.25 Td (1.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.05 600.25 Td (0.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 454.00 600.25 Td (12.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.05 600.25 Td (0.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 549.00 600.25 Td (1) Tj ET Q q 0 0 0 rg BT 553.00 600.25 Td (1.7) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.75 586.23 Td (Unum US Segment) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 219.00 586.25 Td (2,155.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 270.05 586.25 Td (1) Tj ET Q q 0 0 0 rg BT 274.05 586.25 Td (1.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.00 586.25 Td (8,147.9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 354.00 586.25 Td (1,042.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 405.05 586.25 Td (39.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 440.00 586.25 Td (1) Tj ET Q q 0 0 0 rg BT 444.00 586.25 Td (1,345.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.00 586.25 Td (314.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.00 586.25 Td (1) Tj ET Q q 0 0 0 rg BT 539.00 586.25 Td (1,030.9) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.75 558.23 Td (Unum International Segment) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 229.00 558.25 Td (18.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.05 558.25 Td (0.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.00 558.25 Td (1,918.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.00 558.25 Td (108.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.05 558.25 Td (8.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.00 558.25 Td (2,044.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 504.00 558.25 Td (87.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 539.00 558.25 Td (1,957.7) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.75 530.23 Td (Colonial Life Segment) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 219.00 530.25 Td (1,989.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 270.05 530.25 Td (10.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 315.00 530.25 Td (288.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.00 530.25 Td (137.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.05 530.25 Td (1.8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.00 530.25 Td (2,414.9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.05 530.25 Td (8.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 539.00 530.25 Td (2,406.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.75 502.25 Td (Individual Disability) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 225.00 502.25 Td (418.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.05 502.25 Td (2.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.00 502.25 Td (9,407.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.00 502.25 Td (219.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 405.05 502.25 Td (41.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 440.00 502.25 Td (10,045.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 494.00 502.25 Td (1,619.8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 539.00 502.25 Td (8,425.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.75 488.25 Td (Long-term Care) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 219.00 488.25 Td (8,414.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 270.05 488.25 Td (44.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.00 488.25 Td (1,494.8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.00 488.25 Td (150.9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.05 488.25 Td (7.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 440.00 488.25 Td (10,060.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 504.00 488.25 Td (40.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.00 488.25 Td (10,019.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 51.75 474.25 Td (Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 219.00 474.25 Td (5,894.8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 270.05 474.25 Td (31.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 315.00 474.25 Td (187.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.00 474.25 Td (120.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.05 474.25 Td (1.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.00 474.25 Td (6,202.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 494.00 474.25 Td (5,090.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 539.00 474.25 Td (1,1) Tj ET Q q 0 0 0 rg BT 549.00 474.25 Td (1) Tj ET Q q 0 0 0 rg BT 553.00 474.25 Td (1.9) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.75 460.23 Td (Closed Block Segment) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 215.00 460.25 Td (14,727.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 270.05 460.25 Td (78.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 305.00 460.25 Td (1) Tj ET Q q 0 0 0 rg BT 309.00 460.25 Td (1,089.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.00 460.25 Td (490.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 405.05 460.25 Td (49.8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 440.00 460.25 Td (26,307.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 494.00 460.25 Td (6,750.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.00 460.25 Td (19,556.8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.75 432.23 Td (Subtotal) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 207.75 432.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 215.00 432.25 Td (18,890.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.05 432.25 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.05 432.25 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 297.75 432.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 305.00 432.25 Td (21,444.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.75 432.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 354.00 432.25 Td (1,778.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.05 432.25 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.05 432.25 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 440.00 432.25 Td (42,1) Tj ET Q q 0 0 0 rg BT 454.00 432.25 Td (12.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 494.00 432.25 Td (7,160.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.00 432.25 Td (34,951.8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.75 400.23 Td (Adjustment Related to Unr) Tj ET Q q 0 0 0 rg BT 144.78 400.23 Td (ealized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.75 392.23 Td (Investment Gains and Losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.00 392.25 Td (5,094.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.00 392.25 Td (375.8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 539.00 392.25 Td (4,718.9) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 51.75 364.23 Td (Consolidated) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 432.75 364.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 440.00 364.25 Td (47,206.8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.75 364.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 494.00 364.25 Td (7,536.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.75 364.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.00 364.25 Td (39,670.7) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 335.1669921875 m 138.33984375 335.1669921875 l s q 0 0 0 rg BT 67.50 336.50 Td (Key ) Tj ET Q q 0 0 0 rg BT 86.11 336.50 Td (Assumptions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 312.50 Td (The calculation of policy and claim reserves involves numerous assumptions, but the primary assumptions used to calculate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 300.50 Td (reserves are \(1\) the discount rate, \(2\) the claim resolution rate, and \(3\) the claim incidence rate for policy reserves and IBNR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 288.50 Td (claim reserves. Of these assumptions, our discount rate and claim resolution rate assumptions have historically had the most ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 276.50 Td (significant ef) Tj ET Q q 0 0 0 rg BT 101.80 276.50 Td (fects on our level of reserves because many of our product lines provide benefit payments over an extended period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 264.50 Td (of time. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 240.50 Td (1. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 240.50 Td (The ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 103.55 240.50 Td (discount rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.04 240.50 Td (, which is used in calculating both policy reserves and incurred and IBNR claim reserves, is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 228.50 Td (the interest rate that we use to discount future claim payments to determine the present value. ) Tj ET Q q 0 0 0 rg BT 463.16 228.50 Td (A) Tj ET Q q 0 0 0 rg BT 469.83 228.50 Td ( higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 216.50 Td (discount rate produces a lower reserve. If the discount rate is higher than our future investment returns, our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 204.50 Td (invested assets will not earn enough investment income to support our future claim payments. In this case, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 192.50 Td (reserves may eventually be insuf) Tj ET Q q 0 0 0 rg BT 216.38 192.50 Td (ficient. ) Tj ET Q q 0 0 0 rg BT 249.25 192.50 Td (W) Tj ET Q q 0 0 0 rg BT 257.88 192.50 Td (e set our assumptions based on our current and expected future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 180.50 Td (investment yield of the assets supporting the reserves, considering current and expected future market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 168.50 Td (conditions. If the investment yield on new investments that are purchased dif) Tj ET Q q 0 0 0 rg BT 395.52 168.50 Td (fers from the investment yield of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 156.50 Td (the existing investment portfolio, it is likely that the discount rate assumption on claims will be adjusted to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 144.50 Td (reflect the impact of the new investment yield.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 120.50 Td (2. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 120.50 Td (The ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 103.55 120.50 Td (claim r) Tj ET Q q 0 0 0 rg BT 131.78 120.50 Td (esolution rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.06 120.50 Td (, used for both policy reserves and incurred and IBNR claim reserves, is the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 108.50 Td (probability that a disability or long-term care claim will close due to recovery or death of the insured. It is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 96.50 Td (important because it is used to estimate how long benefits will be paid for a claim. Estimated resolution rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 84.50 Td (that are set too high will result in reserves that are lower than they need to be to pay the claim benefits over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 72.50 Td (time. Claim resolution assumptions involve many factors, including the cause of disability) Tj ET Q q 0 0 0 rg BT 448.68 72.50 Td (, the policyholder's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 60.50 Td (age, the type of contractual benefits provided, and the time since initial disability) Tj ET Q q 0 0 0 rg BT 408.64 60.50 Td (. ) Tj ET Q q 0 0 0 rg BT 415.96 60.50 Td (W) Tj ET Q q 0 0 0 rg BT 424.60 60.50 Td (e primarily use our own ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 48.50 Td (claim experience to develop our claim resolution assumptions. ) Tj ET Q q 0 0 0 rg BT 340.25 48.50 Td (These assumptions are established for the ) Tj ET Q endstream endobj 97 0 obj <> endobj 98 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (44) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 735.60 Td (probability of death and the probability of recovery from disability) Tj ET Q q 0 0 0 rg BT 351.72 735.60 Td (. Our studies review actual claim resolution ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 723.60 Td (experience over a number of years, with more weight placed on our experience in the more recent years. ) Tj ET Q q 0 0 0 rg BT 507.63 723.60 Td (W) Tj ET Q q 0 0 0 rg BT 516.27 723.60 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 711.60 Td (also consider any expected future changes in claim resolution experience. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 687.60 Td (3. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 687.60 Td (The ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 103.55 687.60 Td (incidence rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.47 687.60 Td (, used for policy reserves and IBNR claim reserves, is the rate at which new claims are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 675.60 Td (submitted to us. ) Tj ET Q q 0 0 0 rg BT 153.93 675.60 Td (The incidence rate is af) Tj ET Q q 0 0 0 rg BT 247.03 675.60 Td (fected by many factors, including the age of the insured, the insured's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 663.60 Td (occupation or industry) Tj ET Q q 0 0 0 rg BT 174.83 663.60 Td (, the benefit plan design, and certain external factors such as consumer confidence and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 651.60 Td (levels of unemployment. ) Tj ET Q q 0 0 0 rg BT 189.46 651.60 Td (W) Tj ET Q q 0 0 0 rg BT 198.10 651.60 Td (e establish our incidence assumption using a historical review of actual incidence ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 639.60 Td (results along with an outlook of future incidence expectations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (Establishing reserve assumptions is complex and involves many factors. Reserves, particularly for policies of) Tj ET Q q 0 0 0 rg BT 489.21 615.60 Td (fering insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (coverage for long-term disabilities and long-term care, are dependent on numerous assumptions other than just those presented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (in the preceding discussion. ) Tj ET Q q 0 0 0 rg BT 165.41 591.60 Td (The impact of internal and external events, such as changes in claims operational procedures, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (economic trends such as the rate of unemployment and the level of consumer confidence, the emer) Tj ET Q q 0 0 0 rg BT 444.17 579.60 Td (gence of new diseases, new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (trends and developments in medical treatments, and legal trends and legislative changes, including changes to social security and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (other government-based welfare benefits programs which provide policy benefit of) Tj ET Q q 0 0 0 rg BT 381.70 555.60 Td (fsets, among other factors, will influence ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (claim incidence rates, claim resolution rates, and claim costs. In addition, for policies of) Tj ET Q q 0 0 0 rg BT 403.65 543.60 Td (fering coverage for disability or long-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (term care at advanced ages, the level and pattern of mortality rates at advanced ages will impact overall benefit costs. Reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (assumptions dif) Tj ET Q q 0 0 0 rg BT 112.38 519.60 Td (fer by product line and by policy type within a product line. ) Tj ET Q q 0 0 0 rg BT 355.65 519.60 Td (Additionally) Tj ET Q q 0 0 0 rg BT 405.55 519.60 Td (, in any period and over time, our actual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (experience may have a positive or negative variance from our long-term assumptions, either singularly or collectively) Tj ET Q q 0 0 0 rg BT 519.80 507.60 Td (, and these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (variances may of) Tj ET Q q 0 0 0 rg BT 117.62 495.60 Td (fset each other) Tj ET Q q 0 0 0 rg BT 175.37 495.60 Td (. ) Tj ET Q q 0 0 0 rg BT 182.69 495.60 Td (W) Tj ET Q q 0 0 0 rg BT 191.33 495.60 Td (e test the overall adequacy of our reserves using all assumptions and with a long-term view of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (our expected experience over the life of a block of business rather than test just one or a few assumptions independently that may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (be aberrant over a short period of time. ) Tj ET Q q 0 0 0 rg BT 210.37 471.60 Td (Therefore, while it is possible to evaluate the sensitivity of overall adequacy results in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (our reserves based upon a change in each individual assumption, the actual impacts of changes to a variety of underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (assumptions must be considered in the aggregate by product line in order to judge the overall potential implications to reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (adequacy) Tj ET Q q 0 0 0 rg BT 86.60 435.60 Td (. ) Tj ET Q q 0 0 0 rg BT 93.92 435.60 Td (The following section presents an overview of our trend analysis for key assumptions and the results of variability in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (our assumptions, in aggregate, for the reserves which we believe are reasonably possible to have a material impact on our future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (financial results if actual claims yield a materially dif) Tj ET Q q 0 0 0 rg BT 262.57 411.60 Td (ferent amount than what we currently expect and have reserved for) Tj ET Q q 0 0 0 rg BT 529.83 411.60 Td (, either ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (favorable or unfavorable.) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 374.2669921875 m 178.53515625 374.2669921875 l s q 0 0 0 rg BT 67.50 375.60 Td (T) Tj ET Q q 0 0 0 rg BT 73.26 375.60 Td (rends in Key ) Tj ET Q q 0 0 0 rg BT 126.30 375.60 Td (Assumptions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (Generally) Tj ET Q q 0 0 0 rg BT 88.27 351.60 Td (, we do not expect our mortality and morbidity claim incidence trends or our persistency trends to change significantly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (in the short-term, and to the extent that these trends do change, we expect those changes to be gradual over a longer period of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (time. ) Tj ET Q q 0 0 0 rg BT 74.59 327.60 Td (W) Tj ET Q q 0 0 0 rg BT 83.23 327.60 Td (e have historically experienced an increase in our group long-term disability morbidity claim incidence trends during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (and following a recessionary period and believe claim incidence trends may continue to somewhat follow general economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (conditions and demographics of the general workforce. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (Claim incidence rates for Unum US group long-term disability were generally consistent in 2018 compared to the prior year) Tj ET Q q 0 0 0 rg BT 545.48 279.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (In 2018, both short-term and long-term interest rates increased. ) Tj ET Q q 0 0 0 rg BT 307.02 255.60 Td (The long-term interest rates supporting the majority of our lines ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (of business remain below historical norms. ) Tj ET Q q 0 0 0 rg BT 225.96 243.60 Td (The assumptions we used to discount reserves during this period were slightly lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (for certain of our product lines. Reserve discount rate assumptions for new policies and new claims are periodically adjusted to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (reflect our current and expected net investment returns. Changes in our average discount rate assumptions tend to occur ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (gradually over a longer period of time because of the long-duration investment portfolios which support the reserves for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (majority of our lines of business. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.60 Td (Our claim resolution rate assumption used in determining reserves is our expectation of the resolution rate we will experience ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td (over the life of the block of business and will vary from actual experience in any one period, both favorably and unfavorably) Tj ET Q q 0 0 0 rg BT 547.57 159.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (Claim resolution rates are very sensitive to operational and environmental changes and have a greater chance of significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.60 Td (variability in a shorter period of time than our other reserve assumptions. ) Tj ET Q q 0 0 0 rg BT 346.46 135.60 Td (These rates are reviewed on a quarterly basis for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.60 Td (death and recovery components separately) Tj ET Q q 0 0 0 rg BT 218.78 123.60 Td (. Claim resolution rates in our Unum US group long-term disability product line and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (in our Closed Block individual disability product line have exhibited some variability over the last several years. Relative to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.60 Td (resolution rate we expect to experience over the life of the block of business, actual quarterly rates during 2018 and 2017 have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.60 Td (varied between +10 and -13 percent in our Closed Block individual disability line of business. ) Tj ET Q q 0 0 0 rg BT 430.34 87.60 Td (Actual quarterly rates during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.60 Td (2018 and 2017 have varied by +5 and -5 percent in our Unum US group long-term disability line of business. During 2018, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.60 Td (claim resolution rates pertaining to overall mortality experience were relatively consistent with the levels of 2017 and 2016. On ) Tj ET Q endstream endobj 99 0 obj <> endobj 100 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (45) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (an annual basis for the years ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.57 735.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.57 735.60 Td ( to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.35 735.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.35 735.60 Td (, our overall claim resolution rates were fairly consistent with or slightly favorable to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (our long-term assumptions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 699.60 Td (e monitor and test our reserves for adequacy relative to all of our assumptions in the aggregate. In our estimation, scenarios ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (based on reasonably possible variations in each of our reserve assumptions, when modeled together in aggregate, could produce ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (potential results as illustrated in the chart below) Tj ET Q q 0 0 0 rg BT 240.19 675.60 Td (. ) Tj ET Q q 0 0 0 rg BT 247.51 675.60 Td (The major contributor to the variance for both the Unum US group long-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (disability line of business and the Closed Block individual disability line of business is the claim resolution rate. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 613.10 254.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.75 613.10 132.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.75 613.10 132.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.75 613.1 m 434.75 613.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.75 613.1 m 566.75 613.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.20 641.77 Td (Potential impact, positive or negative, of variations in reserve) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.25 631.77 Td (assumptions on our December 31, 2018 claim reserve balance) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 389.10 617.66 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 603.67 Td (Unum US group long-term disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.80 603.67 Td (3.3%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.25 603.67 Td ($207) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 589.67 Td (Closed Block individual disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.80 589.67 Td (2.6%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.25 589.67 Td ($209) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 561.60 Td (In addition to our Unum US group long-term disability and Closed Block individual disability lines of business, we consider ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 549.60 Td (variability in our reserve assumptions related to long-term care policy reserves. ) Tj ET Q q 0 0 0 rg BT 371.16 549.60 Td (These reserves are held under the gross premium ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 537.60 Td (valuation method with assumptions established during the third quarter of 2018, the date of the latest loss recognition. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 525.60 Td (Assumptions for policy reserves do not change after the date of loss recognition unless reserves are again determined to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 513.60 Td (deficient. ) Tj ET Q q 0 0 0 rg BT 91.43 513.60 Td (As such, positive developments will result in the accumulation of reserve mar) Tj ET Q q 0 0 0 rg BT 402.28 513.60 Td (gin, while adverse developments would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 501.60 Td (result in an additional reserve char) Tj ET Q q 0 0 0 rg BT 187.32 501.60 Td (ge. Policy reserves for long-term care are based upon a number of key assumptions, and each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 489.60 Td (assumption has various factors which may impact the long-term outcome. Key assumptions with respect to morbidity) Tj ET Q q 0 0 0 rg BT 521.26 489.60 Td (, mortality) Tj ET Q q 0 0 0 rg BT 562.27 489.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 477.60 Td (claims incidence and resolutions, persistency) Tj ET Q q 0 0 0 rg BT 229.08 477.60 Td (, interest rates, and future premium rate increases must incorporate extended views ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 465.60 Td (of expectations for many years into the future. Reserves are highly sensitive to these estimates. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 441.60 Td (During the third quarter of 2018, we completed our annual review of policy reserve adequacy for our long-term care line of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 429.60 Td (business, which incorporated our most recent experience and included a review of all assumptions. ) Tj ET Q q 0 0 0 rg BT 449.48 429.60 Td (The review utilized internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 417.60 Td (and external data and outside consulting firms for quality assurance and industry benchmarking. Based on our analysis, we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 405.60 Td (updated our reserve assumptions as discussed in the following paragraphs. In addition, we have also included a sensitivity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 393.60 Td (analysis for these assumptions for both favorable and unfavorable deviations applied throughout the entire life of the block. ) Tj ET Q q 0 0 0 rg BT 548.07 393.60 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 381.60 Td (sensitivity analysis was completed as of the date of our assumption update announcement in the third quarter of 2018 and will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 369.60 Td (not be updated unless reserves are again determined to be deficient in the future. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 345.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 345.60 Td (W) Tj ET Q q 0 0 0 rg BT 76.14 345.60 Td (e updated our active policy termination assumptions, which are af) Tj ET Q q 0 0 0 rg BT 339.21 345.60 Td (fected by both policyholder mortality and lapses. ) Tj ET Q q 0 0 0 rg BT 539.81 345.60 Td (W) Tj ET Q q 0 0 0 rg BT 548.45 345.60 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 333.60 Td (aligned our mortality assumptions with industry data based on a 2012 individual annuitant mortality industry table, adjusted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 321.60 Td (for our experience in earlier policy durations. ) Tj ET Q q 0 0 0 rg BT 253.63 321.60 Td (W) Tj ET Q q 0 0 0 rg BT 262.27 321.60 Td (e also lowered our lapse assumptions for individual policies based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 309.60 Td (emer) Tj ET Q q 0 0 0 rg BT 87.30 309.60 Td (ging company experience, which resulted in an ultimate lapse rate of 0.25 percent. ) Tj ET Q q 0 0 0 rg BT 421.35 309.60 Td (A) Tj ET Q q 0 0 0 rg BT 428.02 309.60 Td ( six percent unfavorable change in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 297.60 Td (the active policy termination assumption would result in approximately a $330 million decrease to reserve mar) Tj ET Q q 0 0 0 rg BT 510.25 297.60 Td (gin and a six ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 285.60 Td (percent favorable change would result in approximately a $320 million increase to reserve mar) Tj ET Q q 0 0 0 rg BT 446.34 285.60 Td (gin.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 261.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 261.60 Td (W) Tj ET Q q 0 0 0 rg BT 76.14 261.60 Td (e updated our claims incidence assumptions to consider both the elevated claim levels that we have recently experienced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 249.60 Td (as well as longer term experience based on our analysis of numerous claim factors, including variations by age, gender) Tj ET Q q 0 0 0 rg BT 541.94 249.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 237.60 Td (product, premium funding method, and other factors. ) Tj ET Q q 0 0 0 rg BT 284.39 237.60 Td (A) Tj ET Q q 0 0 0 rg BT 291.06 237.60 Td ( 2.5 percent unfavorable change in the claim incidence assumption ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 225.60 Td (would result in approximately a $290 million decrease to reserve mar) Tj ET Q q 0 0 0 rg BT 345.01 225.60 Td (gin and a 2.5 percent favorable change would result in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 213.60 Td (approximately a $300 million increase to reserve mar) Tj ET Q q 0 0 0 rg BT 280.85 213.60 Td (gin. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 189.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 189.60 Td (W) Tj ET Q q 0 0 0 rg BT 76.14 189.60 Td (e updated our claim termination assumptions, which are primarily af) Tj ET Q q 0 0 0 rg BT 349.77 189.60 Td (fected by the death, and to a lesser extent, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 177.60 Td (recovery of the insured to lar) Tj ET Q q 0 0 0 rg BT 183.11 177.60 Td (gely reflect our experience. ) Tj ET Q q 0 0 0 rg BT 296.93 177.60 Td (A) Tj ET Q q 0 0 0 rg BT 303.60 177.60 Td ( three percent unfavorable change in the claim termination ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 165.60 Td (assumption would result in approximately a $370 million decrease to reserve mar) Tj ET Q q 0 0 0 rg BT 393.07 165.60 Td (gin and a three percent favorable change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 153.60 Td (would result in approximately a $360 million increase to reserve mar) Tj ET Q q 0 0 0 rg BT 343.35 153.60 Td (gin. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 129.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 129.60 Td (W) Tj ET Q q 0 0 0 rg BT 76.14 129.60 Td (e have observed morbidity improvement in our own claims experience over a ten year period of approximately three ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 117.60 Td (percent per year) Tj ET Q q 0 0 0 rg BT 131.50 117.60 Td (, normalized for variables such as age and claim type. However) Tj ET Q q 0 0 0 rg BT 387.39 117.60 Td (, we believe that a longer) Tj ET Q q 0 0 0 rg BT 487.70 117.60 Td (-term view is the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 105.60 Td (best way to evaluate this type of improvement. ) Tj ET Q q 0 0 0 rg BT 259.12 105.60 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 308.46 105.60 Td (, we updated our morbidity assumptions to reflect minor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 93.60 Td (improvement, one percent per year) Tj ET Q q 0 0 0 rg BT 206.76 93.60 Td (, including a partially of) Tj ET Q q 0 0 0 rg BT 302.94 93.60 Td (fsetting assumption of 0.6 percent per year mortality ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 81.60 Td (improvement. If no improvement occurs in the morbidity and mortality assumptions, reserve mar) Tj ET Q q 0 0 0 rg BT 458.62 81.60 Td (gin would decrease by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 69.60 Td (approximately $1 billion. If a three percent per year improvement in the morbidity and mortality assumptions occurs, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 57.60 Td (reserve mar) Tj ET Q q 0 0 0 rg BT 114.23 57.60 Td (gin would increase by approximately $1.6 billion. ) Tj ET Q endstream endobj 101 0 obj <> endobj 102 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (46) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 735.60 Td (W) Tj ET Q q 0 0 0 rg BT 76.14 735.60 Td (e updated our premium rate increase assumptions to reflect both our estimate of previously filed rate increases, informed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 723.60 Td (by our historical approval rates, and our anticipated future rate filings. ) Tj ET Q q 0 0 0 rg BT 352.78 723.60 Td (The impact of the update to the premium rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 711.60 Td (increase assumptions resulted in approximately a $1.4 billion decrease to reserves, of which approximately $700 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 699.60 Td (relates to currently outstanding requests pending approval with the remaining $700 million related to future rate increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 687.60 Td (submissions, with a focus on group policies, that will be completed and filed during the next several quarters. ) Tj ET Q q 0 0 0 rg BT 509.63 687.60 Td (A) Tj ET Q q 0 0 0 rg BT 516.30 687.60 Td ( ten percent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 675.60 Td (change in the premium rate increase success rate assumption would result in an approximately $140 million change in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 663.60 Td (reserve mar) Tj ET Q q 0 0 0 rg BT 114.23 663.60 Td (gin depending on whether the change was favorable or unfavorable.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 639.60 Td (W) Tj ET Q q 0 0 0 rg BT 76.14 639.60 Td (e updated our discount rate assumption to reflect our expectation for the low interest rate environment to persist and our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 627.60 Td (expected impact on future long-term care new money yield rates. Our updated expectation for long-term care new money ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 615.60 Td (yield rates assumes a rate of 5.5 percent through 2021 and then a gradual increase to 6.25 percent by 2025, when we assume ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 603.60 Td (no further increase. ) Tj ET Q q 0 0 0 rg BT 149.41 603.60 Td (A) Tj ET Q q 0 0 0 rg BT 156.08 603.60 Td ( 0.25 percent change in the new money yield rate assumption would result in an approximately $250 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 591.60 Td (million change in reserve mar) Tj ET Q q 0 0 0 rg BT 186.72 591.60 Td (gin depending on whether the change was favorable or unfavorable. ) Tj ET Q q 0 0 0 rg BT 462.73 591.60 Td (Alternatively) Tj ET Q q 0 0 0 rg BT 514.84 591.60 Td (, a 0.25 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 579.60 Td (percent change in the overall assumed discount rate, which includes the new money yield rate assumption, would impact the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 567.60 Td (reserve mar) Tj ET Q q 0 0 0 rg BT 114.23 567.60 Td (gin within an approximate range of $450 million to $500 million, assuming all other factors held constant. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (Key assumptions and related impacts are also heavily interrelated in both their outcome and in their ef) Tj ET Q q 0 0 0 rg BT 458.07 543.60 Td (fects on reserves. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (example, changes in the view of morbidity and mortality might be mitigated by either potential future premium rate increases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (and/or morbidity improvements due to general improvement in health and/or medical breakthroughs. ) Tj ET Q q 0 0 0 rg BT 458.10 519.60 Td (There is potentially a wide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (range of outcomes for each assumption and in totality) Tj ET Q q 0 0 0 rg BT 263.79 507.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 483.60 Td (e believe that these ranges provide a reasonable estimate of the possible changes in reserve balances for those product lines ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (where we believe it is possible that variability in the assumptions, in the aggregate, could result in a material impact on our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (reserve levels, but we record our reserves based on our long-term best estimate. Because these product lines have long-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (claim payout periods, there is a greater potential for significant variability in claim costs, either positive or negative. ) Tj ET Q q 0 0 0 rg BT 518.62 447.60 Td (W) Tj ET Q q 0 0 0 rg BT 527.25 447.60 Td (e closely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (monitor emer) Tj ET Q q 0 0 0 rg BT 103.47 435.60 Td (ging experience and use these results to inform our view of long-term assumptions. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 411.60 Td (Deferred ) Tj ET Q q 0 0 0 rg BT 101.78 411.60 Td (Acquisition Costs \(DAC\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 203.47 411.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 387.60 Td (e defer incremental direct costs associated with the successful acquisition of new or renewal insurance contracts and amortize ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (these costs over the life of the related policies. Deferred costs include certain commissions, other agency compensation, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (selection and policy issue expenses, and field expenses. ) Tj ET Q q 0 0 0 rg BT 276.38 363.60 Td (Acquisition costs that do not vary with the production of new business, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (such as commissions on group products which are generally level throughout the life of the policy) Tj ET Q q 0 0 0 rg BT 441.26 351.60 Td (, are excluded from deferral. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (Approximately 89.4 percent of our DAC relates to non-interest sensitive products, and we amortize DAC for these products in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (proportion to the premium income we expect to receive over the life of the policies. DAC related to interest sensitive policies is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (amortized over the lives of the policies in relation to the present value of estimated gross profits from surrender char) Tj ET Q q 0 0 0 rg BT 514.45 303.60 Td (ges, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (mortality mar) Tj ET Q q 0 0 0 rg BT 104.03 291.60 Td (gins, investment returns, and expense mar) Tj ET Q q 0 0 0 rg BT 271.86 291.60 Td (gins. Key assumptions used in developing the future amortization of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (DAC are persistency) Tj ET Q q 0 0 0 rg BT 132.16 279.60 Td (, premium income, and for our interest sensitive products, mortality mar) Tj ET Q q 0 0 0 rg BT 420.52 279.60 Td (gins and investment returns. ) Tj ET Q q 0 0 0 rg BT 538.09 279.60 Td (W) Tj ET Q q 0 0 0 rg BT 546.73 279.60 Td (e use ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (our own historical experience and expectation of the future performance of our businesses in determining our assumptions. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (non-interest sensitive products, the estimated premium income in the early years of the amortization period is generally higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (than in the later years due to the anticipated cumulative ef) Tj ET Q q 0 0 0 rg BT 280.89 243.60 Td (fect of policy persistency in the early years, which results in a greater ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (proportion of the costs being amortized in the early years of the life of the policy) Tj ET Q q 0 0 0 rg BT 371.80 231.60 Td (. During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.13 231.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.13 231.60 Td (, our key assumptions used to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (develop the future amortization of acquisition costs deferred during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.91 219.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.91 219.60 Td ( did not change materially from those used in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.48 219.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.48 219.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (Generally) Tj ET Q q 0 0 0 rg BT 88.27 207.60 Td (, we do not expect our key assumptions to change significantly in the short-term, and to the extent that these trends do ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (change, we expect those changes to be gradual over a longer period of time. ) Tj ET Q endstream endobj 103 0 obj <> endobj 104 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (47) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (The following are our current assumptions regarding the length of our amortization periods, the approximate DAC balance that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (remains at the end of years 3, 10, and 15 as a percentage of the cost initially deferred, and our DAC balances as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.50 723.60 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 711.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.94 711.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.94 711.60 Td (. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 645.10 187.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 236.25 645.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.25 645.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 645.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 645.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 645.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 645.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 645.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 645.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 645.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 645.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 645.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 617.10 187.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 236.25 617.10 60.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.25 617.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 617.10 50.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 617.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 617.10 50.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 617.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 617.10 50.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 617.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 617.10 50.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 617.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 617.10 50.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 579.10 187.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 236.25 579.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.25 579.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 579.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 579.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 579.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 579.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 579.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 579.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 579.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 579.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 579.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 551.10 187.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 236.25 551.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.25 551.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 551.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 551.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 551.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 551.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 551.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 551.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 551.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 551.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 551.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 523.10 187.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 236.25 523.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.25 523.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 523.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 523.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 523.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 523.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 523.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 523.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 523.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 523.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 523.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 495.10 187.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 236.25 495.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.25 495.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 495.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 495.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 495.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 495.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 495.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 495.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 495.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 495.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 495.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 467.10 187.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 236.25 467.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.25 467.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 467.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 467.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 467.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 467.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 467.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 467.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 467.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 467.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 467.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 439.10 187.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 236.25 439.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.25 439.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 439.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 439.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 439.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 439.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 439.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 439.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 439.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 439.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 439.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 411.10 187.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 236.25 411.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.25 411.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 411.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 411.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 411.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 411.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 411.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 411.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 411.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 411.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 411.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 383.10 187.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 236.25 383.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.25 383.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.25 383.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 383.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 383.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 383.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.25 383.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 383.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.25 383.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.25 383.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 383.10 50.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.25 673.1 m 350.25 673.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.25 673.1 m 354.25 673.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 673.1 m 404.25 673.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.25 673.1 m 408.25 673.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.25 673.1 m 458.25 673.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 673.1 m 512.25 673.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.25 673.1 m 516.25 673.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 673.1 m 566.25 673.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.25 659.1 m 296.25 659.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.25 659.1 m 350.25 659.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 659.1 m 404.25 659.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.25 659.1 m 458.25 659.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 673.1 m 512.25 673.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 659.1 m 512.25 659.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 673.1 m 566.25 673.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 659.1 m 566.25 659.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.25 659.1 m 296.25 659.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.25 659.1 m 350.25 659.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 659.1 m 404.25 659.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.25 659.1 m 458.25 659.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 645.1 m 512.25 645.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.25 645.1 m 516.25 645.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 645.1 m 566.25 645.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 383.1 m 512.25 383.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 370.1 m 512.25 370.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.25 368.1 m 512.25 368.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 383.1 m 566.25 383.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 370.1 m 566.25 370.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 368.1 m 566.25 368.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.15 691.67 Td (Balance Remaining as a %) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.85 691.67 Td (DAC Balances) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.05 677.67 Td (Amortization) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.45 677.67 Td (of Initial Deferral) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.05 677.67 Td (at December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.65 663.67 Td (Period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.75 663.67 Td (Y) Tj ET Q q 0 0 0 rg BT 318.47 663.67 Td (ear 3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.25 663.67 Td (Y) Tj ET Q q 0 0 0 rg BT 369.97 663.67 Td (ear 10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.25 663.67 Td (Y) Tj ET Q q 0 0 0 rg BT 423.97 663.67 Td (ear 15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.75 663.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.75 663.67 Td (2017) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 468.60 649.66 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 635.83 Td (Unum US) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 621.67 Td (Group Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.25 621.67 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.55 621.67 Td (26%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.05 621.67 Td (0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.05 621.67 Td (0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.75 621.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.90 621.67 Td (100.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.75 621.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 621.67 Td (96.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 607.67 Td (Group Life and ) Tj ET Q q 0 0 0 rg BT 121.62 607.67 Td (Accidental Death &) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 597.67 Td (Dismemberment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.25 597.77 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.55 597.77 Td (28%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.05 597.77 Td (0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.05 597.77 Td (0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.90 597.77 Td (80.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 597.77 Td (77.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 583.67 Td (Supplemental and ) Tj ET Q q 0 0 0 rg BT 132.09 583.67 Td (V) Tj ET Q q 0 0 0 rg BT 138.58 583.67 Td (oluntary:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 569.67 Td ( Individual Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.75 569.67 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.55 569.67 Td (71%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.55 569.67 Td (47%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.55 569.67 Td (20%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.90 569.67 Td (430.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 569.67 Td (431.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 555.67 Td ( ) Tj ET Q q 0 0 0 rg BT 65.16 555.67 Td (V) Tj ET Q q 0 0 0 rg BT 71.65 555.67 Td (oluntary Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.75 555.67 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.55 555.67 Td (54%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.55 555.67 Td (19%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.05 555.67 Td (7%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.90 555.67 Td (619.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 555.67 Td (596.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 541.67 Td ( Dental and ) Tj ET Q q 0 0 0 rg BT 111.25 541.67 Td (V) Tj ET Q q 0 0 0 rg BT 118.08 541.67 Td (ision) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.25 541.67 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.55 541.67 Td (29%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.05 541.67 Td (0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.05 541.67 Td (0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.90 541.67 Td (8.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.90 541.67 Td (3.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 513.78 Td (Unum International) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 499.67 Td (Group Long-term Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.25 499.67 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.05 499.67 Td (0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.05 499.67 Td (0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.05 499.67 Td (0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.90 499.67 Td (2.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.90 499.67 Td (3.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 485.67 Td (Group Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.25 485.67 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.05 485.67 Td (0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.05 485.67 Td (0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.05 485.67 Td (0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.90 485.67 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.90 485.67 Td (1.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 471.67 Td (Supplemental) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.75 471.67 Td (21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.55 471.67 Td (58%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.55 471.67 Td (14%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.05 471.67 Td (4%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.90 471.67 Td (16.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 471.67 Td (16.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 443.83 Td (Colonial Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 429.67 Td (Accident, Sickness, and Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.75 429.67 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.55 429.67 Td (44%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.55 429.67 Td (1) Tj ET Q q 0 0 0 rg BT 374.55 429.67 Td (1%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.05 429.67 Td (1%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.90 429.67 Td (530.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 429.67 Td (494.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 415.67 Td (Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.75 415.67 Td (25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.55 415.67 Td (67%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.55 415.67 Td (29%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.55 415.67 Td (13%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.90 415.67 Td (293.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 415.67 Td (252.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 401.67 Td (Cancer and Critical Illness) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.75 401.67 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.55 401.67 Td (57%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.55 401.67 Td (25%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.55 401.67 Td (10%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.90 401.67 Td (226.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 401.67 Td (21) Tj ET Q q 0 0 0 rg BT 549.90 401.67 Td (1.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 373.83 Td (T) Tj ET Q q 0 0 0 rg BT 57.50 373.83 Td (otals) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.75 373.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.35 373.67 Td (2,309.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.75 373.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.35 373.67 Td (2,184.6) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 345.60 Td (Amortization of DAC is adjusted to reflect actual experience for assumptions which deviate compared to the anticipated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 333.60 Td (experience. ) Tj ET Q q 0 0 0 rg BT 99.75 333.60 Td (Any deviations from projections may result in a change to the rate of amortization in the period such events occur) Tj ET Q q 0 0 0 rg BT 554.33 333.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 321.60 Td (As an example, for our non-interest sensitive products, we may experience accelerated amortization if policies terminate earlier ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 309.60 Td (than projected, or we may experience a slower rate of amortization if policies persist longer than projected. Our actual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 297.60 Td (experience has not varied materially from our assumptions during the last three years. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 273.60 Td (See Note 1 of the "Notes to Consolidated Financial Statements" contained herein in Item 8 for further discussion of our DAC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 261.60 Td (accounting policy) Tj ET Q q 0 0 0 rg BT 120.22 261.60 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 237.60 Td (Fair V) Tj ET Q q 0 0 0 rg BT 89.40 237.60 Td (alue of Investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 213.60 Td (All of our fixed maturity securities, which are classified as available-for) Tj ET Q q 0 0 0 rg BT 337.25 213.60 Td (-sale, and all our unrestricted equity securities are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 201.60 Td (reported at fair value. Our derivative financial instruments, including certain derivative instruments embedded in other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 189.60 Td (contracts, are reported as either assets or liabilities and measured at fair value. ) Tj ET Q q 0 0 0 rg BT 366.41 189.60 Td (W) Tj ET Q q 0 0 0 rg BT 375.05 189.60 Td (e report our investments in private equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 177.60 Td (partnerships at our share of the partnerships' net asset value per share or its equivalent \(NA) Tj ET Q q 0 0 0 rg BT 411.84 177.60 Td (V\), as a practical expedient for fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 165.60 Td (value. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 141.60 Td (Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 129.60 Td (market participants at the measurement date and therefore represents an exit price, not an entry price. ) Tj ET Q q 0 0 0 rg BT 458.86 129.60 Td (The exit price objective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 117.60 Td (applies regardless of our intent and/or ability to sell the asset or transfer the liability at the measurement date. ) Tj ET Q q 0 0 0 rg BT 491.13 117.60 Td (W) Tj ET Q q 0 0 0 rg BT 499.76 117.60 Td (e generally use ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 105.60 Td (valuation techniques consistent with the market approach, and to a lesser extent, the income approach. ) Tj ET Q q 0 0 0 rg BT 463.35 105.60 Td (The market approach ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 93.60 Td (uses prices and other relevant information from market transactions involving identical or comparable assets or liabilities and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 81.60 Td (income approach converts future amounts, such as cash flows or earnings, to a single present amount, or a discounted amount. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 69.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 69.60 Td (e believe the market approach valuation technique provides more observable data than the income approach, considering the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 57.60 Td (types of investments we hold. ) Tj ET Q endstream endobj 105 0 obj <> endobj 106 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (48) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (The degree of judgment utilized in measuring the fair value of financial instruments generally correlates to the level of pricing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (observability) Tj ET Q q 0 0 0 rg BT 101.06 723.60 Td (. Financial instruments with readily available active quoted prices or for which fair value can be measured from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (actively quoted prices in active markets generally have more pricing observability and less judgment utilized in measuring fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (value. ) Tj ET Q q 0 0 0 rg BT 78.47 699.60 Td (The market sources from which we obtain or derive the fair values of our assets and liabilities carried at market value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (include quoted market prices for actual trades, price quotes from third party pricing vendors, price quotes we obtain from outside ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (brokers, matrix pricing, discounted cash flow) Tj ET Q q 0 0 0 rg BT 230.19 675.60 Td (, and observable prices for similar publicly traded or privately traded issues that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (incorporate the credit quality and industry sector of the issuer) Tj ET Q q 0 0 0 rg BT 294.71 663.60 Td (. Our fair value measurements could dif) Tj ET Q q 0 0 0 rg BT 456.14 663.60 Td (fer significantly based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (the valuation technique and available inputs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (Inputs to valuation techniques refer broadly to the assumptions that market participants use in pricing assets or liabilities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (including assumptions about risk, for example, the risk inherent in a particular valuation technique used to measure fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (and/or the risk inherent in the inputs to the valuation technique. ) Tj ET Q q 0 0 0 rg BT 307.87 603.60 Td (W) Tj ET Q q 0 0 0 rg BT 316.51 603.60 Td (e use observable and unobservable inputs in measuring the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (fair value of our financial instruments. Observable inputs are inputs that reflect the assumptions market participants would use ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (in pricing the asset or liability developed based on market data obtained from independent sources. Unobservable inputs are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (inputs that reflect our own assumptions about the assumptions market participants would use in pricing the asset or liability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (developed based on the best information available in the circumstances.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (Certain of our investments do not have readily determinable market prices and/or observable inputs or may at times be af) Tj ET Q q 0 0 0 rg BT 533.89 531.60 Td (fected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (by the lack of market liquidity) Tj ET Q q 0 0 0 rg BT 170.21 519.60 Td (. For these securities, we use internally prepared valuations combining matrix pricing with vendor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (purchased software programs, including valuations based on estimates of future profitability) Tj ET Q q 0 0 0 rg BT 417.92 507.60 Td (, to estimate the fair value. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (Additionally) Tj ET Q q 0 0 0 rg BT 99.40 495.60 Td (, we may obtain prices from independent third-party brokers to aid in establishing valuations for certain of these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (securities. Key assumptions used by us to determine fair value for these securities include risk-free interest rates, risk premiums, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (performance of underlying collateral \(if any\), and other factors involving significant assumptions which may or may not reflect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (those of an active market.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.94 435.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.53 435.60 Td (, the key assumptions we generally used to estimate the fair value of these types of securities included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (those listed below) Tj ET Q q 0 0 0 rg BT 121.06 423.60 Td (. ) Tj ET Q q 0 0 0 rg BT 128.38 423.60 Td (Where appropriate, we have noted the assumption used for the prior period as well as the reason for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (change. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 387.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 387.60 Td (Risk-free interest rates of 2.51 percent for five-year maturities to 3.02 percent for 30-year maturities were derived from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 375.60 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.22 375.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.80 375.60 Td ( yield curve for U.S. ) Tj ET Q q 0 0 0 rg BT 262.77 375.60 Td (T) Tj ET Q q 0 0 0 rg BT 268.52 375.60 Td (reasury Bonds with similar maturities. ) Tj ET Q q 0 0 0 rg BT 426.37 375.60 Td (This compares to interest rates of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 363.60 Td (2.21 percent for five-year maturities to 2.74 percent for 30-year maturities used at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.09 363.60 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.68 363.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 351.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 351.60 Td (Baa corporate bond spread adjustments ranging from 1.23 percent to 2.68 percent were added to the risk-free rate to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 339.60 Td (reflect additional credit risk and the lack of liquidity) Tj ET Q q 0 0 0 rg BT 293.67 339.60 Td (. ) Tj ET Q q 0 0 0 rg BT 300.99 339.60 Td (W) Tj ET Q q 0 0 0 rg BT 309.63 339.60 Td (e used spread adjustments ranging from 0.83 percent to 1.97 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 327.60 Td (percent at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.14 327.60 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.72 327.60 Td (. ) Tj ET Q q 0 0 0 rg BT 213.04 327.60 Td (The changes were based on observable market spreads. Newly issued private ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 315.60 Td (placement securities have historically of) Tj ET Q q 0 0 0 rg BT 246.37 315.60 Td (fered yield premiums higher than a similar interest rate spread on comparable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 303.60 Td (newly issued public securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 291.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 291.60 Td (Additional basis points were added as deemed appropriate for foreign investments, certain industries, and individual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 279.60 Td (securities in certain industries that are considered to be of greater risk.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.94 255.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.53 255.60 Td (, approximately 1) Tj ET Q q 0 0 0 rg BT 222.42 255.60 Td (1.7 percent of our fixed maturity securities were categorized as Level 1, 84.5 percent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (as Level 2, and 3.8 percent as Level 3. Level 1 is the highest category of the three-level fair value hierarchy classification ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (wherein inputs are unadjusted and represent quoted prices in active markets for identical assets or liabilities. ) Tj ET Q q 0 0 0 rg BT 486.96 231.60 Td (The Level 2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (category includes assets or liabilities valued using inputs \(other than those included in the Level 1 category\) that are either ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (directly or indirectly observable for the asset or liability through correlation with market data at the measurement date and for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (the duration of the instrument's anticipated life. ) Tj ET Q q 0 0 0 rg BT 243.57 195.60 Td (The Level 3 category is the lowest category of the fair value hierarchy and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (reflects the judgment of management regarding what market participants would use in pricing assets or liabilities at the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.60 Td (measurement date using unobservable inputs to extrapolate an estimated fair value.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (Rapidly changing credit and equity market conditions can materially impact the valuation of securities, and the period to period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.60 Td (changes in value can vary significantly) Tj ET Q q 0 0 0 rg BT 204.63 135.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (See Note 2 of the "Notes to Consolidated Financial Statements" contained herein in Item 8. ) Tj ET Q endstream endobj 107 0 obj <> endobj 108 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (49) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 735.75 Td (Investment Impairments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (One of the significant estimates related to investments is our impairment valuation. In determining when a decline in fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.75 Td (below amortized cost of a fixed maturity security is other than temporary) Tj ET Q q 0 0 0 rg BT 341.26 699.75 Td (, we evaluate the following factors: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 675.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 675.75 Td (Whether we expect to recover the entire amortized cost basis of the security) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 663.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 663.75 Td (Whether we intend to sell the security or will be required to sell the security before the recovery of its amortized cost ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 651.75 Td (basis) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 639.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 639.75 Td (Whether the security is current as to principal and interest payments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 627.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 627.75 Td (The significance of the decline in value) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 615.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 615.75 Td (The time period during which there has been a significant decline in value) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 603.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 603.75 Td (Current and future business prospects and trends of earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 591.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 591.75 Td (The valuation of the security) Tj ET Q q 0 0 0 rg BT 203.24 591.75 Td (s underlying collateral) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 579.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 579.75 Td (Relevant industry conditions and trends relative to their historical cycles) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 567.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 567.75 Td (Market conditions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 555.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 555.75 Td (Rating agency and governmental actions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 543.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 543.75 Td (Bid and of) Tj ET Q q 0 0 0 rg BT 127.54 543.75 Td (fering prices and the level of trading activity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 531.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 531.75 Td (Adverse changes in estimated cash flows for securitized investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 519.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 519.75 Td (Changes in fair value subsequent to the balance sheet date) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 507.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 507.75 Td (Any other key measures for the related security ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 483.75 Td (e evaluate available information, including the factors noted above, both positive and negative, in reaching our conclusions. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.75 Td (particular) Tj ET Q q 0 0 0 rg BT 87.41 471.75 Td (, we also consider the strength of the issuer) Tj ET Q q 0 0 0 rg BT 260.24 471.75 Td () Tj ET Q q 0 0 0 rg BT 263.02 471.75 Td (s balance sheet, its debt obligations and near term funding requirements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.75 Td (cash flow and liquidity) Tj ET Q q 0 0 0 rg BT 140.78 459.75 Td (, the profitability of its core businesses, the availability of marketable assets which could be sold to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.75 Td (increase liquidity) Tj ET Q q 0 0 0 rg BT 118.00 447.75 Td (, its industry fundamentals and regulatory environment, and its access to capital markets. ) Tj ET Q q 0 0 0 rg BT 477.63 447.75 Td (Although all available ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.75 Td (and applicable factors are considered in our analysis, our expectation of recovering the entire amortized cost basis of the security) Tj ET Q q 0 0 0 rg BT 564.21 435.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.75 Td (whether we intend to sell the security) Tj ET Q q 0 0 0 rg BT 198.25 423.75 Td (, whether it is more likely than not we will be required to sell the security before recovery ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.75 Td (of its amortized cost, and whether the security is current on principal and interest payments are the most critical factors in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.75 Td (determining whether impairments are other than temporary) Tj ET Q q 0 0 0 rg BT 285.43 399.75 Td (. ) Tj ET Q q 0 0 0 rg BT 292.75 399.75 Td (The significance of the decline in value and the length of time ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.75 Td (during which there has been a significant decline are also important factors, but we generally do not record an impairment loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.75 Td (based solely on these two factors, since often other more relevant factors will impact our evaluation of a security) Tj ET Q q 0 0 0 rg BT 499.53 375.75 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.75 Td (While determining other) Tj ET Q q 0 0 0 rg BT 147.60 351.75 Td (-than-temporary impairments is a judgmental area, we utilize a formal, well-defined, and disciplined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.75 Td (process to monitor and evaluate our fixed income investment portfolio, supported by issuer specific research and documentation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.75 Td (as of the end of each period. ) Tj ET Q q 0 0 0 rg BT 167.33 327.75 Td (The process results in a thorough evaluation of problem investments and the recording of losses on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.75 Td (a timely basis for investments determined to have an other) Tj ET Q q 0 0 0 rg BT 282.84 315.75 Td (-than-temporary impairment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 291.75 Td (e use a comprehensive rating system to evaluate the investment and credit risk of our mortgage loans and to identify specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.75 Td (properties for inspection and reevaluation. Mortgage loans are considered impaired when, based on current information and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.75 Td (events, it is probable that we will be unable to collect all amounts due according to the contractual terms of the loan agreement. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 255.75 Td (e establish an allowance for probable losses on mortgage loans based on a review of individual loans, considering the value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.75 Td (the underlying collateral, the value of which is periodically assessed. Mortgage loans are not reported at fair value in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.75 Td (consolidated balance sheets unless the mortgage loan is considered impaired, in which case the impairment is recognized as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.75 Td (realized investment loss in our consolidated statements of income.) Tj ET Q endstream endobj 109 0 obj <> endobj 110 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (There are a number of significant risks inherent in the process of monitoring our investments for impairments and determining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (when and if an impairment is other than temporary) Tj ET Q q 0 0 0 rg BT 252.12 723.60 Td (. ) Tj ET Q q 0 0 0 rg BT 259.44 723.60 Td (These risks and uncertainties include the following possibilities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 699.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 699.60 Td (The assessment of a borrower's ability to meet its contractual obligations will change. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 687.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 687.60 Td (The economic outlook, either domestic or foreign, may be less favorable or may have a more significant impact on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 675.60 Td (borrower than anticipated, and as such, the investment may not recover in value. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 663.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 663.60 Td (New information may become available concerning the security) Tj ET Q q 0 0 0 rg BT 341.14 663.60 Td (, such as disclosure of accounting irregularities, fraud, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 651.60 Td (or corporate governance issues. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 639.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 639.60 Td (Significant changes in credit spreads may occur in the related industry) Tj ET Q q 0 0 0 rg BT 365.87 639.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 627.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 627.60 Td (Significant increases in interest rates may occur and may not return to levels similar to when securities were initially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 615.60 Td (purchased.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 603.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 603.60 Td (Adverse rating agency actions may occur) Tj ET Q q 0 0 0 rg BT 250.16 603.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (See Notes 1 and 3 of the "Notes to Consolidated Financial Statements" contained herein in Item 8.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 555.60 Td (Pension and Postretirement Benefit Plans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 531.60 Td (e sponsor several defined benefit pension and other postretirement benefit \(OPEB\) plans for our employees, including non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (qualified pension plans. ) Tj ET Q q 0 0 0 rg BT 149.58 519.60 Td (The U.S. qualified and non-qualified defined benefit pension plans comprise the majority of our total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (benefit obligation and benefit cost. ) Tj ET Q q 0 0 0 rg BT 193.45 507.60 Td (W) Tj ET Q q 0 0 0 rg BT 202.08 507.60 Td (e maintain a separate defined benefit plan for eligible employees in our U.K. operation. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (The U.S. defined benefit pension plans were closed to new entrants on December 31, 2013, the OPEB plan was closed to new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (entrants on December 31, 2012, and the U.K. plan was closed to new entrants on December 31, 2002.) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 458.2669921875 m 119.7314453125 458.2669921875 l s q 0 0 0 rg BT 67.50 459.60 Td (Assumptions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (Our net periodic benefit costs and the value of our benefit obligations for these plans are determined based on a set of economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (and demographic assumptions that represent our best estimate of future expected experience. Major assumptions used in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (accounting for these plans include the expected discount \(interest\) rate, the long-term rate of return on plan assets, and mortality ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (rates. ) Tj ET Q q 0 0 0 rg BT 75.70 399.60 Td (W) Tj ET Q q 0 0 0 rg BT 84.33 399.60 Td (e also use, as applicable, expected increases in compensation levels and a weighted average annual rate of increase in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (the per capita cost of covered benefits, which reflects a health care cost trend rate, and the U.K. pension plan also uses expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (cost of living increases to plan benefits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (The assumptions chosen for our pension and OPEB plans are reviewed annually) Tj ET Q q 0 0 0 rg BT 369.61 351.60 Td (, using a December 31 measurement date for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (each of our plans unless we are required to perform an interim remeasurement. ) Tj ET Q q 0 0 0 rg BT 369.47 339.60 Td (The discount rate, expected long-term rate of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (return, and mortality rate assumptions have the most significant ef) Tj ET Q q 0 0 0 rg BT 314.25 327.60 Td (fect on our net periodic benefit costs associated with these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (plans. In addition to the ef) Tj ET Q q 0 0 0 rg BT 156.79 315.60 Td (fect of changes in our assumptions, the net periodic cost or benefit obligation under our pension and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (OPEB plans may change due to factors such as plan amendments, actual experience being dif) Tj ET Q q 0 0 0 rg BT 423.36 303.60 Td (ferent from our assumptions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (special benefits to terminated employees, and/or changes in benefits provided under the plans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 267.60 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 85.50 267.60 Td (Discount rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.22 267.60 Td ( - ) Tj ET Q q 0 0 0 rg BT 148.37 267.60 Td (This interest assumption is based on the yield derived from a portfolio of high quality fixed income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 255.60 Td (corporate debt instruments that reasonably match the timing and amounts of projected future benefits for each of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 243.60 Td (retirement-related benefit plans. ) Tj ET Q q 0 0 0 rg BT 218.31 243.60 Td (The rate is determined at the measurement date. ) Tj ET Q q 0 0 0 rg BT 414.34 243.60 Td (A) Tj ET Q q 0 0 0 rg BT 421.01 243.60 Td ( lower discount rate increases the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 231.60 Td (present value of benefit obligations and increases our net periodic benefit cost.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 207.60 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 85.50 207.60 Td (Long-term rate of r) Tj ET Q q 0 0 0 rg BT 162.63 207.60 Td (eturn) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.74 207.60 Td ( - ) Tj ET Q q 0 0 0 rg BT 191.89 207.60 Td (This assumption is selected from a range of probable return outcomes from an analysis of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 195.60 Td (asset portfolio. ) Tj ET Q q 0 0 0 rg BT 149.75 195.60 Td (The market-related value as it relates to our estimate of long-term rate of return equals the fair value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 183.60 Td (plan assets, determined as of the measurement date. ) Tj ET Q q 0 0 0 rg BT 297.19 183.60 Td (The return on plan assets recognizes all asset gains and losses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 171.60 Td (including changes in fair value, through the measurement date. Our expectations for the future investment returns of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 159.60 Td (the asset categories are based on a combination of historical market performance, evaluations of investment forecasts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 147.60 Td (obtained from external consultants and economists, and current market yields. ) Tj ET Q q 0 0 0 rg BT 402.73 147.60 Td (The expected return for the total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 135.60 Td (portfolio is calculated based on the plan's strategic asset allocation. ) Tj ET Q q 0 0 0 rg BT 358.15 135.60 Td (The actual rate of return on plan assets is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 123.60 Td (determined based on the fair value of the plan assets at the beginning and the end of the period, adjusted for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 111.60 Td (contributions and benefit payments. ) Tj ET Q q 0 0 0 rg BT 233.25 111.60 Td (A) Tj ET Q q 0 0 0 rg BT 239.92 111.60 Td ( lower long-term rate of return on plan assets increases our net periodic benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 99.60 Td (cost. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 75.60 Td (Investment risk is measured and monitored on an ongoing basis through annual liability measurements, periodic asset/) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 63.60 Td (liability studies, and quarterly investment portfolio reviews. Risk tolerance is established through consideration of plan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 51.60 Td (liabilities, plan funded status, and corporate financial condition. ) Tj ET Q q 0 0 0 rg BT 345.25 51.60 Td (W) Tj ET Q q 0 0 0 rg BT 353.88 51.60 Td (e believe our investment portfolios are well ) Tj ET Q endstream endobj 111 0 obj <> endobj 112 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (51) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 735.60 Td (diversified by asset class and sector) Tj ET Q q 0 0 0 rg BT 227.56 735.60 Td (, with no undue risk concentrations in any one category) Tj ET Q q 0 0 0 rg BT 448.51 735.60 Td (. See Note 9 of the "Notes to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 723.60 Td (Consolidated Financial Statements" contained herein in Item 8 for further discussion of the investment portfolios for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 711.60 Td (our plans.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 67.50 687.60 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 85.50 687.60 Td (Mortality rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.88 687.60 Td ( - ) Tj ET Q q 0 0 0 rg BT 150.03 687.60 Td (This assumption reflects our best estimate, as of the measurement date, of the life expectancies of plan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 675.60 Td (participants in order to determine the expected length of time for benefit payments. ) Tj ET Q q 0 0 0 rg BT 422.70 675.60 Td (W) Tj ET Q q 0 0 0 rg BT 431.34 675.60 Td (e derive our assumptions from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 663.60 Td (industry mortality tables. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (The weighted average assumptions) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 189.73 639.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 192.23 639.60 Td (used in the measurement of our net periodic benefit costs for the years ended December 31 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (are as follows: ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 575.10 217.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.25 575.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.25 575.10 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.25 575.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.25 575.10 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 575.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 575.10 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.25 575.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 575.10 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.25 575.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.25 575.10 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.25 575.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.25 575.10 49.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.25 603.1 m 315.25 603.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.25 603.1 m 319.25 603.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.25 603.1 m 365.25 603.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.25 603.1 m 369.25 603.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.25 603.1 m 414.25 603.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.25 603.1 m 418.25 603.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 603.1 m 464.25 603.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.25 589.1 m 315.25 589.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.25 589.1 m 319.25 589.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.25 589.1 m 365.25 589.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.25 589.1 m 414.25 589.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.25 589.1 m 418.25 589.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 589.1 m 464.25 589.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.25 589.1 m 513.25 589.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.25 589.1 m 517.25 589.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.25 589.1 m 566.25 589.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 575.1 m 266.25 575.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.25 589.1 m 315.25 589.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.25 575.1 m 315.25 575.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.25 589.1 m 319.25 589.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.25 589.1 m 365.25 589.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.25 575.1 m 365.25 575.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.25 589.1 m 414.25 589.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.25 575.1 m 414.25 575.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.25 589.1 m 418.25 589.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 589.1 m 464.25 589.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 575.1 m 464.25 575.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.25 589.1 m 513.25 589.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.25 575.1 m 513.25 575.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.25 589.1 m 517.25 589.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.25 589.1 m 566.25 589.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.25 575.1 m 566.25 575.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.25 607.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 607.67 Td (Pension Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.25 607.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.25 607.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.25 593.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.25 593.67 Td (U.S. Plans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.35 593.67 Td (U.K.Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.95 593.67 Td (OPEB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 579.67 Td (Assumption) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.25 579.67 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.75 579.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.25 579.67 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.75 579.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.25 579.67 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.25 579.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 565.67 Td (Discount Rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.90 565.67 Td (4.40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.40 565.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.90 565.67 Td (3.80) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.40 565.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.90 565.67 Td (2.90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.40 565.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.90 565.67 Td (2.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.40 565.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.90 565.67 Td (4.40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.40 565.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 565.67 Td (3.70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.40 565.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 551.67 Td (Expected Long-term Rate of Return on Plan ) Tj ET Q q 0 0 0 rg BT 230.31 551.67 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.90 551.67 Td (7.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.40 551.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.90 551.67 Td (6.75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.40 551.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.90 551.67 Td (4.30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.40 551.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.90 551.67 Td (3.90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.40 551.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.90 551.67 Td (5.75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.40 551.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 551.67 Td (5.75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.40 551.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 523.60 Td (The following illustrates the sensitivity of the below items to a 50 basis point change in the discount rate or the expected long-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 511.60 Td (term rate of return on plan assets: ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 451.10 249.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.00 451.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.00 451.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 451.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.00 451.10 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.00 451.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.00 451.10 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 451.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.00 451.10 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 423.10 249.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.00 423.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.00 423.10 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 423.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.00 423.10 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.00 423.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.00 423.10 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 423.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.00 423.10 67.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 487.1 m 299 487.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303 487.1 m 353 487.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353 487.1 m 357 487.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357 487.1 m 425 487.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425 487.1 m 429 487.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429 487.1 m 497 487.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 487.1 m 501 487.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501 487.1 m 568 487.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 451.1 m 299 451.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303 451.1 m 353 451.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357 451.1 m 425 451.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429 451.1 m 497 451.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501 451.1 m 568 451.1 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 491.66 Td (\($ in millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.30 491.67 Td (At or for the ) Tj ET Q q 0 0 0 rg BT 397.32 491.67 Td (Y) Tj ET Q q 0 0 0 rg BT 403.86 491.67 Td (ear Ended December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 455.77 Td (Assumption) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.20 455.77 Td (Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.10 475.77 Td ( Net Periodic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.10 465.77 Td (Benefit Cost,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.30 455.77 Td (Before ) Tj ET Q q 0 0 0 rg BT 397.92 455.77 Td (T) Tj ET Q q 0 0 0 rg BT 403.59 455.77 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.75 465.77 Td (Benefit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.10 455.77 Td (Obligation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.95 475.77 Td (Stockholders') Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.20 465.77 Td (Equity) Tj ET Q q 0 0 0 rg BT 534.54 465.77 Td (, ) Tj ET Q q 0 0 0 rg BT 538.94 465.77 Td (After) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.55 455.77 Td (T) Tj ET Q q 0 0 0 rg BT 532.31 455.77 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 441.67 Td (Discount Rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.15 441.67 Td (+ 50 bp) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.50 441.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.30 441.72 Td (\(3.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.15 441.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.50 441.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.30 441.72 Td (\(159.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.15 441.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.50 441.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 441.67 Td (126.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 427.67 Td (Discount Rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.05 427.67 Td (- 50 bp) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 427.67 Td (1.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.65 427.67 Td (180.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.30 427.67 Td (\(141.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 564.15 427.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 413.67 Td (Expected Long-term Rate of Return on Plan ) Tj ET Q q 0 0 0 rg BT 231.34 413.67 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.15 413.67 Td (+ 50 bp) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.30 413.72 Td (\(9.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.15 413.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.80 413.67 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.80 413.67 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 399.67 Td (Expected Long-term Rate of Return on Plan ) Tj ET Q q 0 0 0 rg BT 231.06 399.67 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.05 399.67 Td (- 50 bp) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 399.67 Td (9.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.80 399.67 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.80 399.67 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 370.2669921875 m 262.01171875 370.2669921875 l s q 0 0 0 rg BT 67.50 371.60 Td (Benefit Obligation and Fair ) Tj ET Q q 0 0 0 rg BT 180.07 371.60 Td (V) Tj ET Q q 0 0 0 rg BT 186.19 371.60 Td (alue of Plan ) Tj ET Q q 0 0 0 rg BT 235.90 371.60 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 347.60 Td (During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.33 347.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.33 347.60 Td (, the fair value of plan assets in our U.S. qualified defined benefit pension plan decreased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.38 347.60 Td ($127.7 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.27 347.60 Td (, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.10 347.60 Td (8.1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 335.60 Td (percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.92 335.60 Td ( due to an unfavorable return on assets which resulted in a loss of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.00 335.60 Td (3.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.50 335.60 Td ( percent and the payment of benefits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 323.60 Td (and expenses. ) Tj ET Q q 0 0 0 rg BT 109.86 323.60 Td (The fair value of plan assets in our U.K. pension plan decreased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.10 323.60 Td (17.5 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.00 323.60 Td (, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.83 323.60 Td (9.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.33 323.60 Td ( percent, due to an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 311.60 Td (unfavorable return on assets which resulted in a loss of approximately 6.4 percent, as well as the payment of benefits and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 299.60 Td (expenses. ) Tj ET Q q 0 0 0 rg BT 92.55 299.60 Td (Although our rate of return on plan assets for 2018 did not meet our assumptions used in the measurement of our net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 287.60 Td (periodic benefit costs, we believe our assumptions appropriately reflect the impact of the current economic environment and our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 275.60 Td (expectations for the future investment returns based on the plan's asset allocation. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.15 275.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 251.60 Td (As of December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.53 251.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.53 251.60 Td (, our pension and OPEB plans have an aggregate unrecognized net actuarial loss of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.14 251.60 Td ($700.6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.03 251.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 239.60 Td (an unrecognized prior service credit of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.65 239.60 Td ($2.3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.54 239.60 Td (, which together represent the cumulative liability and asset gains and losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 227.60 Td (as well as the portion of prior service credits that have not been recognized in pension expense. ) Tj ET Q q 0 0 0 rg BT 435.02 227.60 Td (The unrecognized net actuarial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 215.60 Td (loss for our pension plans, which is $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.38 215.60 Td (721.5 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.27 215.60 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.49 215.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.07 215.60 Td (, will be amortized over the average remaining life ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 203.60 Td (expectancy of the plan, which is approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.10 203.60 Td (24 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.70 203.60 Td ( for the U.S. plan and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.02 203.60 Td (31 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.61 203.60 Td ( for the U.K. plan, to the extent that it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 191.60 Td (exceeds the 10 percent corridor) Tj ET Q q 0 0 0 rg BT 174.59 191.60 Td (, as described below) Tj ET Q q 0 0 0 rg BT 255.03 191.60 Td (. ) Tj ET Q q 0 0 0 rg BT 262.35 191.60 Td (The unrecognized net actuarial gain of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.94 191.60 Td ($20.9 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.83 191.60 Td ( for our OPEB plan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 179.60 Td (will be amortized over the average future working life of OPEB plan participants, estimated at three years, to the extent the loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 167.60 Td (is outside of the corridor) Tj ET Q q 0 0 0 rg BT 147.26 167.60 Td (. ) Tj ET Q q 0 0 0 rg BT 154.58 167.60 Td (The corridor for the pension and OPEB plans is established based on the greater of 10 percent of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 155.60 Td (plan assets or 10 percent of the benefit obligation. ) Tj ET Q q 0 0 0 rg BT 253.61 155.60 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.11 155.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.70 155.60 Td (, $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.70 155.60 Td (479.3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.59 155.60 Td ( of the actuarial loss was outside of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 143.60 Td (corridor for the U.S. plans and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.91 143.60 Td (21.3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.81 143.60 Td ( was outside of the corridor for the U.K. plan. ) Tj ET Q q 0 0 0 rg BT 414.98 143.60 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.48 143.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.07 143.60 Td (, $8.3 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 131.60 Td (of the actuarial gain was outside of the corridor for the OPEB plan.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 107.60 Td (The amortization of the unrecognized actuarial gain or loss and the unrecognized prior service credit is a component of our net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 95.60 Td (periodic benefit cost and equaled $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.17 95.60 Td (22.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.06 95.60 Td (, $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.06 95.60 Td (19.6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.95 95.60 Td (, and $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.89 95.60 Td (15.8 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.78 95.60 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.56 95.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.56 95.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.56 95.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.56 95.60 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.50 95.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.50 95.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 525.16 95.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 71.60 Td (The fair value of plan assets in our U.S. qualified defined benefit pension plan was $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.02 71.60 Td (1,454.9 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.41 71.60 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.62 71.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.21 71.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 59.60 Td (compared to $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.70 59.60 Td (1,582.6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.09 59.60 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.31 59.60 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.89 59.60 Td (. ) Tj ET Q q 0 0 0 rg BT 266.21 59.60 Td (The plan was in an underfunded position of $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.84 59.60 Td (294.2 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.73 59.60 Td ( and $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.17 59.60 Td (348.8 ) Tj ET Q endstream endobj 113 0 obj <> endobj 114 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (52) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 735.60 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.61 735.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.19 735.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.63 735.60 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.21 735.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 319.88 735.60 Td (. ) Tj ET Q q 0 0 0 rg BT 327.20 735.60 Td (This year) Tj ET Q q 0 0 0 rg BT 364.48 735.60 Td (-over) Tj ET Q q 0 0 0 rg BT 385.38 735.60 Td (-year change was due primarily to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (decrease in period benefit obligations due to the increase in discount rate, partially of) Tj ET Q q 0 0 0 rg BT 389.75 723.60 Td (fset by lower than expected asset returns. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (The fair value of plan assets in our U.K. pension plan was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.88 699.60 Td (170.2 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.78 699.60 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.99 699.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.58 699.60 Td (, compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.78 699.60 Td (187.6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.67 699.60 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.08 687.60 Td (. ) Tj ET Q q 0 0 0 rg BT 135.40 687.60 Td (The U.K. pension plan was in an overfunded position of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.58 687.60 Td (4.7 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.47 687.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.91 687.60 Td (7.2 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.80 687.60 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.02 687.60 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 675.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.94 675.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.94 675.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 161.60 675.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (The fair value of plan assets in our OPEB plan was $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.39 651.60 Td (10.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.29 651.60 Td ( and $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.72 651.60 Td (10.5 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.62 651.60 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.83 651.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.42 651.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.86 651.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.86 651.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.16 639.60 Td (. ) Tj ET Q q 0 0 0 rg BT 104.48 639.60 Td (These assets represent life insurance contracts to fund the life insurance benefit portion of our OPEB plan. Our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (OPEB plan represents a non-vested, non-guaranteed obligation, and current regulations do not require specific funding levels for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (these benefits, which are comprised of retiree life, medical, and dental benefits. It is our practice to use general assets to pay ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (medical and dental claims as they come due in lieu of utilizing plan assets for the medical and dental benefit portions of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (OPEB plan. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (See Note 9 of the "Notes to Consolidated Financial Statements" contained herein in Item 8 for further discussion.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 543.60 Td (Income T) Tj ET Q q 0 0 0 rg BT 101.80 543.60 Td (axes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 519.60 Td (e provide for federal, state, and foreign income taxes currently payable, as well as those deferred due to temporary dif) Tj ET Q q 0 0 0 rg BT 528.88 519.60 Td (ferences ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (between the financial reporting and tax bases of assets and liabilities. Our accounting for income taxes represents our best ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (estimate of various events and transactions. ) Tj ET Q q 0 0 0 rg BT 228.16 495.60 Td (The calculation of our tax liabilities involves dealing with uncertainties in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (application of complex tax laws in a multitude of jurisdictions, both domestic and foreign. ) Tj ET Q q 0 0 0 rg BT 415.08 483.60 Td (The amount of income taxes we pay ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (is subject to ongoing audits in various jurisdictions, and a material assessment by a governing tax authority could af) Tj ET Q q 0 0 0 rg BT 512.28 471.60 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (profitability) Tj ET Q q 0 0 0 rg BT 96.62 459.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 435.60 Td (e record a valuation allowance to reduce deferred tax assets to the amount that is more likely than not to be realized. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (Significant judgment is required in determining valuation allowances. In evaluating the ability to recover deferred tax assets, we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (consider all available positive and negative evidence including past operating results, the existence of cumulative losses in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (most recent years, forecasted earnings, future taxable income, and prudent and feasible tax planning strategies. In the event we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (determine that we most likely will not be able to realize all or part of our deferred tax assets in the future, an increase to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (valuation allowance is char) Tj ET Q q 0 0 0 rg BT 158.44 375.60 Td (ged to earnings in the period such determination is made. Likewise, if it is later determined that it is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (more likely than not that those deferred tax assets will be realized, the previously provided valuation allowance is reversed. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (In establishing a liability for unrecognized tax benefits, assumptions are made in determining whether) Tj ET Q q 0 0 0 rg BT 456.76 339.60 Td (, and to what extent, a tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (position may be sustained. GAAP) Tj ET Q q 0 0 0 rg BT 187.45 327.60 Td ( prescribes a recognition threshold and measurement attribute for the financial statement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (recognition and measurement of tax positions taken or expected to be taken in income tax returns. ) Tj ET Q q 0 0 0 rg BT 445.86 315.60 Td (The evaluation of a tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (position is a two step process. ) Tj ET Q q 0 0 0 rg BT 173.75 303.60 Td (The first step is to determine whether it is more likely than not that a tax position will be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (sustained upon examination based on the technical merits of the position. ) Tj ET Q q 0 0 0 rg BT 347.31 291.60 Td (The second step is to measure a position that satisfies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (the recognition threshold at the lar) Tj ET Q q 0 0 0 rg BT 186.78 279.60 Td (gest amount of benefit that is greater than 50 percent likely of being realized upon ultimate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (settlement. ) Tj ET Q q 0 0 0 rg BT 97.92 267.60 Td (T) Tj ET Q q 0 0 0 rg BT 103.33 267.60 Td (ax positions that previously failed to meet the more likely than not threshold but that now satisfy the recognition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (threshold are recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (tax positions that no longer meet the more likely than not recognition threshold are derecognized in the first subsequent financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (reporting period in which that threshold is no longer met. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 280.84 231.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.34 231.60 Td (If a previously recognized tax position is settled for an amount that is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (dif) Tj ET Q q 0 0 0 rg BT 60.43 219.60 Td (ferent from the amount initially measured, the dif) Tj ET Q q 0 0 0 rg BT 257.96 219.60 Td (ference will be recognized as a tax benefit or expense in the period the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (settlement is ef) Tj ET Q q 0 0 0 rg BT 109.86 207.60 Td (fective.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (Changes in tax laws, tax regulations, or interpretations of such laws or regulations, could have an impact on our provision for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.60 Td (income tax and our ef) Tj ET Q q 0 0 0 rg BT 136.51 171.60 Td (fective tax rate, which could significantly af) Tj ET Q q 0 0 0 rg BT 312.64 171.60 Td (fect the amounts reported in our financial statements. ) Tj ET Q q 0 0 0 rg BT 530.17 171.60 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td (TCJA) Tj ET Q q 0 0 0 rg BT 72.84 159.60 Td ( did not significantly change our process for evaluating the above items. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.60 Td (In connection with the ) Tj ET Q q 0 0 0 rg BT 141.52 135.60 Td (TCJA, we recognized a tax benefit of $97.9 million in 2017 related to the revaluation of our net deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.60 Td (tax liabilities associated with our U.S. operations to the newly enacted U.S. corporate tax rate and a tax expense of $66.4 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (resulting from the tax on undistributed and previously untaxed foreign earnings and profits. During 2018, we continued to refine ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.60 Td (our calculations during the one-year measurement period after the enactment date as allowed by SAB 1) Tj ET Q q 0 0 0 rg BT 462.59 99.60 Td (18 and increased our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.60 Td (provisional Repatriation ) Tj ET Q q 0 0 0 rg BT 148.74 87.60 Td (T) Tj ET Q q 0 0 0 rg BT 154.15 87.60 Td (ax estimate by $1) Tj ET Q q 0 0 0 rg BT 224.04 87.60 Td (1.5 million to $77.9 million. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.60 Td (See "Regulation" contained herein in Item 1. See Note 7 of the "Notes to Consolidated Financial Statements" contained herein ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 51.60 Td (in Item 8. ) Tj ET Q endstream endobj 115 0 obj <> endobj 116 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (53) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 735.75 Td (Contingent Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (On a quarterly basis, we review relevant information with respect to litigation and contingencies to be reflected in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.75 Td (consolidated financial statements. ) Tj ET Q q 0 0 0 rg BT 189.18 699.75 Td (An estimated loss is accrued when it is probable that a liability has been incurred and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.75 Td (amount of the loss can be reasonably estimated. It is possible that our results of operations or cash flows in a particular period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.75 Td (could be materially af) Tj ET Q q 0 0 0 rg BT 136.78 675.75 Td (fected by an ultimate unfavorable outcome of pending litigation or regulatory matters depending, in part, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.75 Td (on our results of operations or cash flows for the particular period. See Note 14 of the "Notes to Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.75 Td (Statements" contained herein in Item 8.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 627.75 Td (Accounting Developments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.75 Td (For information on new accounting standards and the impact, if any) Tj ET Q q 0 0 0 rg BT 320.17 603.75 Td (, on our financial position or results of operations, see Note 1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.75 Td (of the "Notes to Consolidated Financial Statements" contained herein in Item 8.) Tj ET Q endstream endobj 117 0 obj <> endobj 118 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (54) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 735.75 Td (Consolidated Operating Results ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 680.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 680.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 680.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 680.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 680.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 680.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 680.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 680.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 680.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 680.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 652.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 652.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 652.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 652.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 652.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 652.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 652.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 652.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 652.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 652.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 624.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 624.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 624.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 624.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 624.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 624.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 624.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 624.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 624.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 624.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 596.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 596.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 596.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 596.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 596.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 596.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 596.25 4.00 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gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 540.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 540.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 540.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 540.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 540.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 540.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 540.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 540.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 540.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 540.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 512.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 512.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 512.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 512.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 512.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 512.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 512.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 512.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 512.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 512.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 484.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 484.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 484.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 484.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 484.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 484.25 54.00 -14.00 re f /GS0 gs 0.8 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1 rg /GS0 gs 513.00 456.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 428.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 428.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 428.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 428.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 428.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 428.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 428.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 428.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 428.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 428.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 400.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 400.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 400.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 400.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 400.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 400.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 400.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 400.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 400.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 400.25 54.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 694.25 m 343 694.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343 694.25 m 347 694.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347 694.25 m 397 694.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397 694.25 m 401 694.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 694.25 m 455 694.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 694.25 m 459 694.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459 694.25 m 509 694.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509 694.25 m 513 694.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 694.25 m 567 694.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 694.25 m 343 694.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 680.25 m 343 680.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347 680.25 m 397 680.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 694.25 m 455 694.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 680.25 m 455 680.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 694.25 m 459 694.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459 694.25 m 509 694.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459 680.25 m 509 680.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509 694.25 m 513 694.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 694.25 m 567 694.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 680.25 m 567 680.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459 680.25 m 509 680.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 610.25 m 343 610.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 610.25 m 455 610.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 610.25 m 567 610.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 596.25 m 343 596.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 596.25 m 455 596.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 596.25 m 567 596.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 470.25 m 343 470.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 470.25 m 455 470.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 470.25 m 567 470.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 456.25 m 343 456.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 456.25 m 455 456.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 456.25 m 567 456.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 414.25 m 343 414.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 414.25 m 455 414.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 414.25 m 567 414.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 387.25 m 343 387.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 385.25 m 343 385.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 387.25 m 455 387.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 385.25 m 455 385.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 387.25 m 567 387.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 385.25 m 567 385.25 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 712.81 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 698.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.20 698.82 Td (Y) Tj ET Q q 0 0 0 rg BT 382.92 698.82 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 684.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.50 684.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.80 684.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.50 684.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.80 684.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.50 684.82 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 670.98 Td (Revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 656.82 Td (Premium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.50 656.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.15 656.82 Td (8,986.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 656.82 Td (4.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.15 656.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.50 656.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.15 656.82 Td (8,597.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 656.82 Td (2.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.15 656.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.50 656.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 656.82 Td (8,357.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 642.82 Td (Net Investment Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.15 642.82 Td (2,453.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 642.82 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.15 642.82 Td (2,451.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.30 642.87 Td (\(0.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.15 642.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 642.82 Td (2,459.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 628.82 Td (Net Realized Investment Gain \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.30 628.87 Td (\(39.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.15 628.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.30 628.87 Td (\(198.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.15 628.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.65 628.82 Td (40.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 628.82 Td (66.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 628.82 Td (24.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 614.82 Td (Other Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 614.82 Td (198.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 614.82 Td (0.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 614.82 Td (197.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.30 614.87 Td (\(3.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.15 614.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 614.82 Td (205.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 600.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.71 600.98 Td (otal Revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.10 600.82 Td (1) Tj ET Q q 0 0 0 rg BT 309.10 600.82 Td (1,598.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 600.82 Td (2.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.10 600.82 Td (1) Tj ET Q q 0 0 0 rg BT 421.10 600.82 Td (1,286.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 600.82 Td (2.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 600.82 Td (1) Tj ET Q q 0 0 0 rg BT 533.10 600.82 Td (1,046.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 572.98 Td (Benefits and Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 558.82 Td (Benefits and Change in Reserves for Future Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.15 558.82 Td (8,020.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.65 558.82 Td (13.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.15 558.82 Td (7,055.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 558.82 Td (1.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 558.82 Td (6,941.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 544.82 Td (Commissions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.15 544.82 Td (1,108.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 544.82 Td (4.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.15 544.82 Td (1,060.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 544.82 Td (3.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 544.82 Td (1,026.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 530.82 Td (Interest and Debt Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 530.82 Td (167.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 530.82 Td (4.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 530.82 Td (159.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.30 530.87 Td (\(3.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.15 530.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 530.82 Td (166.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 516.82 Td (Deferral of ) Tj ET Q q 0 0 0 rg BT 98.86 516.82 Td (Acquisition Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.30 516.87 Td (\(668.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.15 516.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 516.82 Td (6.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.30 516.87 Td (\(628.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.15 516.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 516.82 Td (6.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.30 516.82 Td (\(592.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 516.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 502.82 Td (Amortization of Deferred ) Tj ET Q q 0 0 0 rg BT 156.90 502.82 Td (Acquisition Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 502.82 Td (565.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 502.82 Td (7.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 502.82 Td (527.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 502.82 Td (6.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 502.82 Td (493.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 488.82 Td (Compensation Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 488.82 Td (885.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 488.82 Td (3.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 488.82 Td (852.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 488.82 Td (1.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 488.82 Td (839.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 474.82 Td (Other Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 474.82 Td (891.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 474.82 Td (4.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 474.82 Td (855.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 474.82 Td (3.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 474.82 Td (824.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 460.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.71 460.98 Td (otal Benefits and Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.10 460.82 Td (10,970.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.65 460.82 Td (1) Tj ET Q q 0 0 0 rg BT 375.65 460.82 Td (1.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.15 460.82 Td (9,882.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 460.82 Td (1.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 460.82 Td (9,698.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 432.98 Td (Income Befor) Tj ET Q q 0 0 0 rg BT 110.45 432.98 Td (e Income ) Tj ET Q q 0 0 0 rg BT 151.36 432.98 Td (T) Tj ET Q q 0 0 0 rg BT 157.49 432.98 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 432.82 Td (627.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.30 432.87 Td (\(55.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.15 432.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.15 432.82 Td (1,404.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 432.82 Td (4.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 432.82 Td (1,347.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 418.82 Td (Income ) Tj ET Q q 0 0 0 rg BT 84.80 418.82 Td (T) Tj ET Q q 0 0 0 rg BT 90.21 418.82 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 418.82 Td (104.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.30 418.87 Td (\(74.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.15 418.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 418.82 Td (409.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.30 418.87 Td (\(1.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.15 418.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 418.82 Td (416.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 390.98 Td (Net Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.50 390.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 390.82 Td (523.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.30 390.87 Td (\(47.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.15 390.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.50 390.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 390.82 Td (994.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 390.82 Td (6.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.50 390.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 390.82 Td (931.4) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 359.75 Td (Fluctuations in exchange rates, particularly between the British pound sterling and the U.S. dollar for our U.K. operations, have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 347.75 Td (an ef) Tj ET Q q 0 0 0 rg BT 69.03 347.75 Td (fect on our consolidated financial results. In periods when the pound weakens relative to the preceding period, translating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 335.75 Td (pounds into dollars decreases current period results relative to the prior period. In periods when the pound strengthens, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 323.75 Td (translating pounds into dollars increases current period results relative to the prior period. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 299.75 Td (The weighted average pound/dollar exchange rate for our Unum UK line of business was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.83 299.75 Td (1.336) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.33 299.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.33 299.75 Td (1.290) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.83 299.75 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.77 299.75 Td (1.357) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.27 299.75 Td ( for the years ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 287.75 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.88 287.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.88 287.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.88 287.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.88 287.75 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.82 287.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.82 287.75 Td (, respectively) Tj ET Q q 0 0 0 rg BT 215.48 287.75 Td (. If the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.85 287.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.85 287.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.29 287.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.29 287.75 Td ( results for our U.K. operations had been translated at the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.61 287.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.61 287.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 275.75 Td (exchange rate, our adjusted operating revenue by segment would have been higher by approximately $23 million in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.36 275.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.36 275.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 263.75 Td (lower by approximately $9 million in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.70 263.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.70 263.75 Td (. ) Tj ET Q q 0 0 0 rg BT 228.65 263.75 Td (Additionally) Tj ET Q q 0 0 0 rg BT 278.55 263.75 Td (, our adjusted operating income would have been higher by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 251.75 Td (approximately $4 million in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.93 251.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.93 251.75 Td ( and lower by approximately $2 million in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.56 251.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.56 251.75 Td (. However) Tj ET Q q 0 0 0 rg BT 419.31 251.75 Td (, it is important to distinguish ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 239.75 Td (between translating and converting foreign currency) Tj ET Q q 0 0 0 rg BT 257.93 239.75 Td (. Except for a limited number of transactions, we do not actually convert ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 227.75 Td (pounds into dollars. ) Tj ET Q q 0 0 0 rg BT 133.11 227.75 Td (As a result, we view foreign currency translation as a financial reporting item and not a reflection of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 215.75 Td (operations or profitability in the U.K. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 191.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 191.75 Td (e continued to report year) Tj ET Q q 0 0 0 rg BT 160.67 191.75 Td (-over) Tj ET Q q 0 0 0 rg BT 181.57 191.75 Td (-year premium growth in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.32 191.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.32 191.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.76 191.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.76 191.75 Td ( in each of our principal operating business segments, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 179.75 Td (as measured in local currency) Tj ET Q q 0 0 0 rg BT 167.68 179.75 Td (, due to overall sales growth, the expansion of our dental and vision products, and generally stable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 167.75 Td (persistency) Tj ET Q q 0 0 0 rg BT 93.84 167.75 Td (. Premium income continues to decline, as expected, in our Closed Block segment. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 143.75 Td (Net investment income increased slightly in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.79 143.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.79 143.75 Td ( relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.05 143.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.05 143.75 Td ( due primarily to an increase in the level of invested assets and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 131.75 Td (higher miscellaneous investment income, partially of) Tj ET Q q 0 0 0 rg BT 261.48 131.75 Td (fset by a decline in the yield on invested assets. Net investment income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 119.75 Td (decreased slightly in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.20 119.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.20 119.75 Td ( relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.46 119.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.46 119.75 Td ( due primarily to a decrease in yield on invested assets and the unfavorable impact of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 107.75 Td (the lower foreign currency exchange rate on translated financial results, mostly of) Tj ET Q q 0 0 0 rg BT 376.41 107.75 Td (fset by an increase in the level of invested ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 95.75 Td (assets, higher income from inflation index-linked bonds in our Unum International segment, and higher miscellaneous ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 83.75 Td (investment income. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 59.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 59.75 Td (e recognized $17.5 million of other) Tj ET Q q 0 0 0 rg BT 199.01 59.75 Td (-than-temporary impairment losses on fixed maturity securities in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.94 59.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.94 59.75 Td ( compared to losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 47.75 Td (of $8.1 million and $30.5 million in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.33 47.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.33 47.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.77 47.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.77 47.75 Td (, respectively) Tj ET Q q 0 0 0 rg BT 307.43 47.75 Td (. ) Tj ET Q q 0 0 0 rg BT 314.38 47.75 Td (Also included in net realized investment gains and losses were ) Tj ET Q endstream endobj 119 0 obj <> endobj 120 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (changes in the fair value of an embedded derivative in a modified coinsurance arrangement, which resulted in realized gains ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (\(losses\) of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.38 723.60 Td ($\(15.2\) million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.93 723.60 Td (, $30.8 million, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.76 723.60 Td ($40.9 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.66 723.60 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.43 723.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.43 723.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.43 723.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.43 723.60 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.37 723.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.37 723.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 441.03 723.60 Td (. See Notes 3 and 4 of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td ("Notes to Consolidated Financial Statements" contained herein in Item 8 for further discussion.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (Overall benefits experience was unfavorable in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.53 687.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.53 687.60 Td ( relative to the prior periods, with a consolidated benefit ratio of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.06 687.60 Td (89.3 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.92 675.60 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.70 675.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.70 675.60 Td ( compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.40 675.60 Td (82.1 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.83 675.60 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.61 675.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.61 675.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.04 675.60 Td (83.1 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.47 675.60 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.25 675.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.25 675.60 Td (. Excluding the 2018 long term care reserve increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (and the 2017 unclaimed death benefits reserve increase, the benefit ratios for 2018 and 2017 were 80.9 percent and 81.6 percent, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.16 651.60 Td (. ) Tj ET Q q 0 0 0 rg BT 104.48 651.60 Td (The underlying benefits experience for each of our operating business segments is discussed more fully in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td ("Segment Results" contained herein in this Item 7. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (Commissions and the deferral of acquisition costs increased year) Tj ET Q q 0 0 0 rg BT 308.67 615.60 Td (-over) Tj ET Q q 0 0 0 rg BT 329.57 615.60 Td (-year in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.88 615.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.88 615.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.32 615.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.32 615.60 Td ( due primarily to overall sales ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (growth. ) Tj ET Q q 0 0 0 rg BT 85.15 603.60 Td (The amortization of deferred acquisition costs increased year) Tj ET Q q 0 0 0 rg BT 329.01 603.60 Td (-over) Tj ET Q q 0 0 0 rg BT 349.91 603.60 Td (-year in 2018 and 2017 due to growth in the level of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (the deferred asset in our Unum US and Colonial Life segments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (Interest and debt expense was higher in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.72 567.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.72 567.60 Td ( relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.98 567.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.98 567.60 Td ( due primarily to a higher level of outstanding debt and a higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (overall rate of interest. Interest and debt expense was lower in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.46 555.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.46 555.60 Td ( relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.72 555.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.72 555.60 Td ( due primarily to a lower level of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (outstanding debt, partially of) Tj ET Q q 0 0 0 rg BT 164.85 543.60 Td (fset by a higher overall rate of interest. See Note 8 of the "Notes to Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (Statements" contained herein in Item 8 for further discussion. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (Other expenses, including compensation expense, increased in each of the years presented above. Excluding the loss from a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (guaranty fund assessment in 2017, the year) Tj ET Q q 0 0 0 rg BT 221.76 495.60 Td (-over) Tj ET Q q 0 0 0 rg BT 242.65 495.60 Td (-year premium growth rates mostly of) Tj ET Q q 0 0 0 rg BT 394.38 495.60 Td (fset the growth rates in compensation and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (other expenses as we continue our focus on expense management and operating ef) Tj ET Q q 0 0 0 rg BT 378.65 483.60 Td (ficiencies, resulting in a generally stable other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (expense ratio relative to the prior years. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (Our ef) Tj ET Q q 0 0 0 rg BT 75.14 447.60 Td (fective income tax rate for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.14 447.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.14 447.60 Td ( was 16.6 percent, compared to 29.2 percent in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.52 447.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.52 447.60 Td ( and 30.9 percent in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.16 447.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.16 447.60 Td (. ) Tj ET Q q 0 0 0 rg BT 521.48 447.60 Td (The ) Tj ET Q q 0 0 0 rg BT 539.34 447.60 Td (TCJA) Tj ET Q q 0 0 0 rg BT 562.68 447.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (was enacted in December 2017 and stipulated a reduction of the U.S. statutory rate from 35 percent to 21 percent ef) Tj ET Q q 0 0 0 rg BT 511.93 435.60 Td (fective in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (2018. Our 2018 ef) Tj ET Q q 0 0 0 rg BT 125.14 423.60 Td (fective tax rate dif) Tj ET Q q 0 0 0 rg BT 197.97 423.60 Td (fered from the U.S. statutory rate due to favorable tax credits and adjustments related to our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (prior year tax return. Our ef) Tj ET Q q 0 0 0 rg BT 162.88 411.60 Td (fective tax rate for 2017 was favorably impacted by the enactment of the ) Tj ET Q q 0 0 0 rg BT 455.63 411.60 Td (TCJA, which reduced the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (net deferred tax liability related to our U.S. operations by $97.9 million in 2017 partially of) Tj ET Q q 0 0 0 rg BT 414.24 399.60 Td (fset by a tax of $66.4 million Deemed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (Repatriation ) Tj ET Q q 0 0 0 rg BT 101.25 387.60 Td (T) Tj ET Q q 0 0 0 rg BT 106.66 387.60 Td (ax. Our ef) Tj ET Q q 0 0 0 rg BT 149.24 387.60 Td (fective tax rate in 2016 dif) Tj ET Q q 0 0 0 rg BT 254.85 387.60 Td (fered from the U.S. statutory rate due to tax credits and foreign earnings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (taxed at lower rates than the U.S. statutory rate including a favorable impact of the enactment of an income tax rate reduction by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (the U.K. government. ) Tj ET Q q 0 0 0 rg BT 141.24 363.60 Td (This enactment reduced the net deferred tax liability related to our U.K. operations by $4.5 million in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (2016.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (In describing our results, we may at times note certain items and exclude the impact on financial ratios and metrics to enhance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (the understanding and comparability of our operational performance and the underlying fundamentals, but this exclusion is not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (an indication that similar items may not recur) Tj ET Q q 0 0 0 rg BT 230.84 303.60 Td (. ) Tj ET Q q 0 0 0 rg BT 238.16 303.60 Td (W) Tj ET Q q 0 0 0 rg BT 246.80 303.60 Td (e also measure and analyze our segment performance on the basis of "adjusted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (operating revenue" and "adjusted operating income" or "adjusted operating loss", which dif) Tj ET Q q 0 0 0 rg BT 414.63 291.60 Td (fer from total revenue and income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (before income tax as presented in our consolidated statements of income due to the exclusion of net realized investment gains ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (and losses and certain other items. ) Tj ET Q q 0 0 0 rg BT 191.50 267.60 Td (These performance measures are in accordance with GAAP) Tj ET Q q 0 0 0 rg BT 430.19 267.60 Td ( guidance for segment reporting, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (but they should not be viewed as a substitute for total revenue, income before income tax, or net income. See "Reconciliation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (Non-GAAP) Tj ET Q q 0 0 0 rg BT 96.91 243.60 Td ( Financial Measures" contained herein in this Item 7. See also "Segment Results" contained herein in this Item 7 for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (further discussion of operating and sales results for each of our segments and major product lines.) Tj ET Q endstream endobj 121 0 obj <> endobj 122 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (56) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 735.75 Td (Consolidated Sales Results) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 49.50 724.95 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 712.95 Td (Shown below are sales results for our three principal operating business segments. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 660.45 249.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.00 660.45 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.00 660.45 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.00 660.45 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.00 660.45 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 660.45 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 660.45 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 660.45 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 660.45 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 660.45 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 632.45 249.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.00 632.45 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.00 632.45 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.00 632.45 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.00 632.45 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 632.45 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 632.45 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 632.45 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 632.45 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 632.45 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 604.45 249.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.00 604.45 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.00 604.45 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.00 604.45 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.00 604.45 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 604.45 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 604.45 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 604.45 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 604.45 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 604.45 50.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299 674.45 m 348 674.45 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348 674.45 m 352 674.45 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352 674.45 m 402 674.45 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402 674.45 m 406 674.45 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406 674.45 m 455 674.45 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 674.45 m 459 674.45 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459 674.45 m 509 674.45 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509 674.45 m 513 674.45 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 674.45 m 563 674.45 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299 674.45 m 348 674.45 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299 660.45 m 348 660.45 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352 660.45 m 402 660.45 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406 674.45 m 455 674.45 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406 660.45 m 455 660.45 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459 674.45 m 509 674.45 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459 660.45 m 509 660.45 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 674.45 m 563 674.45 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 660.45 m 563 660.45 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299 660.45 m 348 660.45 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352 660.45 m 402 660.45 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406 660.45 m 455 660.45 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459 660.45 m 509 660.45 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 693.01 Td (\(in millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.20 679.02 Td (Y) Tj ET Q q 0 0 0 rg BT 385.42 679.02 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 665.02 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.00 665.02 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.80 665.02 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.00 665.02 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.80 665.02 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.50 665.02 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 651.18 Td (Unum US) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.50 651.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.10 651.02 Td (1,1) Tj ET Q q 0 0 0 rg BT 326.60 651.02 Td (14.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.95 651.02 Td (\(1.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.80 651.02 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.50 651.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.10 651.02 Td (1,129.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 651.02 Td (19.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.15 651.02 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.50 651.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.65 651.02 Td (943.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 623.18 Td (Unum International) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.50 623.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.65 623.02 Td (87.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.25 623.02 Td (1.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 623.02 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.50 623.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.65 623.02 Td (85.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 623.02 Td (1.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.15 623.02 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.50 623.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 623.02 Td (84.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 595.18 Td (Colonial Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.50 595.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.65 595.02 Td (561.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.25 595.02 Td (8.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 595.02 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.50 595.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 595.02 Td (519.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 595.02 Td (7.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.15 595.02 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.50 595.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.65 595.02 Td (483.6) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 566.95 Td (Sales shown in the preceding chart generally represent the annualized premium income on new sales which we expect to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 554.95 Td (receive and report as premium income during the next 12 months following or beginning in the initial quarter in which the sale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 542.95 Td (is reported, depending on the ef) Tj ET Q q 0 0 0 rg BT 175.95 542.95 Td (fective date of the new sale. Sales do not correspond to premium income reported as revenue in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 530.95 Td (accordance with GAAP) Tj ET Q q 0 0 0 rg BT 143.36 530.95 Td (. ) Tj ET Q q 0 0 0 rg BT 150.68 530.95 Td (This is because new annualized sales premiums reflect current sales performance and what we expect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 518.95 Td (to recognize as premium income over a 12 month period, while premium income reported in our financial statements is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 506.95 Td (reported on an "as earned" basis rather than an annualized basis and also includes renewals and persistency of in-force policies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 494.95 Td (written in prior years as well as current new sales.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 473.95 Td (Sales, persistency of the existing block of business, employment and salary growth, and the ef) Tj ET Q q 0 0 0 rg BT 425.62 473.95 Td (fectiveness of a renewal program ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 461.95 Td (are indicators of growth in premium income. ) Tj ET Q q 0 0 0 rg BT 233.44 461.95 Td (T) Tj ET Q q 0 0 0 rg BT 239.19 461.95 Td (rends in new sales, as well as existing market share, also indicate the potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 449.95 Td (for growth in our respective markets and the level of market acceptance of price levels and new product of) Tj ET Q q 0 0 0 rg BT 475.25 449.95 Td (ferings. Sales results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 437.95 Td (may fluctuate significantly due to case size and timing of sales submissions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 416.95 Td (See "Segment Results" as follows for a discussion of sales by segment.) Tj ET Q endstream endobj 123 0 obj <> endobj 124 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (57) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 735.75 Td (Segment Results) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (Our reporting segments are comprised of the following: Unum US, Unum International, Colonial Life, Closed Block, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.75 Td (Corporate. Financial information for each of our reporting segments is as follows. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 675.75 Td (Unum US Segment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.75 Td (The Unum US segment includes group long-term and short-term disability insurance, group life and accidental death and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.75 Td (dismemberment products, and supplemental and voluntary lines of business, which are comprised of individual disability) Tj ET Q q 0 0 0 rg BT 533.75 639.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.75 Td (voluntary benefits, and dental and vision products. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.50 603.75 Td (Unum US Operating Results) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.75 Td (Shown below are financial results for the Unum US segment. In the sections following, financial results and key ratios are also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.75 Td (presented for the major lines of business within the segment. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 515.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 515.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 515.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 515.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 515.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 515.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 515.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 515.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 515.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 515.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 487.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 487.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 487.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 487.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 487.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 487.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 487.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 487.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 487.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 487.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 459.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 459.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 459.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 459.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 459.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 459.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 459.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 459.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 459.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 459.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 431.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 431.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 431.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 431.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 431.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 431.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 431.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 431.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 431.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 431.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 403.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 403.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 403.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 403.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 403.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 403.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 403.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 403.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 403.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 403.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 375.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 375.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 375.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 375.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 375.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 375.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 375.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 375.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 375.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 375.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 347.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 347.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 347.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 347.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 347.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 347.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 347.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 347.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 347.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 347.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 319.25 239.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 319.25 54.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 319.25 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 319.25 50.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 319.25 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 319.25 54.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 319.25 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 319.25 50.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 319.25 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 319.25 54.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 279.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 279.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 279.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 279.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 279.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 279.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 279.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 279.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 279.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 279.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 251.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 251.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 251.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 251.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 251.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 251.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 251.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 251.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 251.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 251.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 223.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 223.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 223.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 223.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 223.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 223.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 223.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 223.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 223.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 223.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 195.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 195.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 195.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 195.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 195.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 195.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 195.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 195.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 195.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 195.25 54.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 529.25 m 343 529.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343 529.25 m 347 529.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347 529.25 m 397 529.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397 529.25 m 401 529.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 529.25 m 455 529.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 529.25 m 459 529.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459 529.25 m 509 529.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509 529.25 m 513 529.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 529.25 m 567 529.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 515.25 m 343 515.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347 515.25 m 397 515.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 529.25 m 455 529.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 515.25 m 455 515.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459 515.25 m 509 515.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 529.25 m 567 529.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 515.25 m 567 515.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 515.25 m 343 515.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 459.25 m 343 459.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 459.25 m 455 459.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 459.25 m 567 459.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 459.25 m 343 459.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 445.25 m 343 445.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 445.25 m 455 445.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 445.25 m 567 445.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 347.25 m 343 347.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 347.25 m 455 347.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 347.25 m 567 347.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 333.25 m 343 333.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 333.25 m 455 333.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 333.25 m 567 333.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 279.25 m 343 279.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 279.25 m 455 279.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 279.25 m 567 279.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 266.25 m 343 266.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 264.25 m 343 264.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 266.25 m 455 266.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 264.25 m 455 264.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 266.25 m 567 266.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 264.25 m 567 264.25 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 547.81 Td (\(in millions of dollars, except ratios\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 533.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.20 533.82 Td (Y) Tj ET Q q 0 0 0 rg BT 382.92 533.82 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 519.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.50 519.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.80 519.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.50 519.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.80 519.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.50 519.82 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 505.98 Td (Adjusted Operating Revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 491.82 Td (Premium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.50 491.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.10 491.82 Td (5,736.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 491.82 Td (5.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.15 491.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.50 491.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.10 491.82 Td (5,443.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 491.82 Td (3.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.15 491.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.50 491.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 491.82 Td (5,240.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 477.82 Td (Net Investment Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.65 477.82 Td (778.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.30 477.87 Td (\(4.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.15 477.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.65 477.82 Td (81) Tj ET Q q 0 0 0 rg BT 433.65 477.82 Td (1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.30 477.87 Td (\(2.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.15 477.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 477.82 Td (828.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 463.82 Td (Other Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.65 463.82 Td (1) Tj ET Q q 0 0 0 rg BT 316.65 463.82 Td (18.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 463.82 Td (4.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.65 463.82 Td (1) Tj ET Q q 0 0 0 rg BT 428.65 463.82 Td (13.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.30 463.87 Td (\(0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.15 463.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 463.82 Td (1) Tj ET Q q 0 0 0 rg BT 540.65 463.82 Td (13.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 449.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 449.98 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.10 449.82 Td (6,633.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 449.82 Td (4.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.10 449.82 Td (6,367.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 449.82 Td (3.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 449.82 Td (6,182.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 421.98 Td (Benefits and Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 407.82 Td (Benefits and Change in Reserves for Future Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.10 407.82 Td (3,856.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 407.82 Td (4.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.10 407.82 Td (3,693.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 407.82 Td (1.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 407.82 Td (3,624.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 393.82 Td (Commissions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.65 393.82 Td (620.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 393.82 Td (5.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.65 393.82 Td (590.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 393.82 Td (1.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 393.82 Td (580.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 379.82 Td (Deferral of ) Tj ET Q q 0 0 0 rg BT 98.86 379.82 Td (Acquisition Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.30 379.87 Td (\(344.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.15 379.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 379.82 Td (5.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.30 379.87 Td (\(325.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.15 379.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 379.82 Td (3.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 379.87 Td (\(314.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 379.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 365.82 Td (Amortization of Deferred ) Tj ET Q q 0 0 0 rg BT 156.90 365.82 Td (Acquisition Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.65 365.82 Td (315.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 365.82 Td (7.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.65 365.82 Td (293.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 365.82 Td (6.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 365.82 Td (275.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 351.82 Td (Other Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.10 351.82 Td (1,170.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 351.82 Td (3.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.10 351.82 Td (1,132.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 351.82 Td (2.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 351.82 Td (1,102.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 337.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 337.98 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.10 337.82 Td (5,619.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 337.82 Td (4.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.10 337.82 Td (5,385.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 337.82 Td (2.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 337.82 Td (5,268.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 309.98 Td (Income Befor) Tj ET Q q 0 0 0 rg BT 110.36 309.98 Td (e Income ) Tj ET Q q 0 0 0 rg BT 151.27 309.98 Td (T) Tj ET Q q 0 0 0 rg BT 157.03 309.98 Td (ax and Net Realized ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 299.98 Td (Investment Gains and Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.10 297.92 Td (1,014.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 297.92 Td (3.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.65 297.92 Td (982.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 297.92 Td (7.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 297.92 Td (914.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 283.82 Td (UDB Reserve Increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.15 283.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.35 283.82 Td (N.M.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 283.82 Td (26.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.35 283.82 Td (N.M.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 283.82 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 269.98 Td (Adjusted Operating Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.50 269.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.10 269.82 Td (1,014.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 269.82 Td (0.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.50 269.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.10 269.82 Td (1,009.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 269.82 Td (10.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.50 269.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 269.82 Td (914.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 241.82 Td (Operating Ratios \(% of Premium Income\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 227.82 Td (Benefit Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 227.82 Td (67.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.15 227.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 227.82 Td (67.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.15 227.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 227.82 Td (69.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 227.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 213.82 Td (Benefit Ratio Excluding UDB Reserve Increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 213.82 Td (67.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.15 213.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 199.82 Td (Other Expense Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 199.82 Td (20.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.15 199.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 199.82 Td (20.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.15 199.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 199.82 Td (21.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 199.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 185.82 Td (Income Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 185.82 Td (18.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.15 185.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 171.82 Td (Adjusted Operating Income Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 171.82 Td (17.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.15 171.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 171.82 Td (18.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.15 171.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 171.82 Td (17.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 171.82 Td (%) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 143.81 Td (N.M. = not a meaningful per) Tj ET Q q 0 0 0 rg BT 167.48 143.81 Td (centage) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 125 0 obj <> endobj 126 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (58) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 61.50 735.75 Td (Unum US Group Disability Operating Results) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 714.75 Td (Shown below are financial results and key performance indicators for Unum US group disability) Tj ET Q q 0 0 0 rg BT 435.70 714.75 Td (.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 662.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 662.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 662.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 662.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 662.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 662.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 662.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 662.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 662.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 662.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 634.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 634.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 634.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 634.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 634.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 634.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 634.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 634.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 634.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 634.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 606.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 606.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 606.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 606.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 606.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 606.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 606.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 606.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 606.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 606.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 578.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 578.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 578.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 578.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 578.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 578.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 578.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 578.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 578.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 578.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 550.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 550.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 550.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 550.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 550.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 550.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 550.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 550.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 550.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 550.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 522.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 522.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 522.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 522.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 522.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 522.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 522.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 522.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 522.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 522.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 494.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 494.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 494.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 494.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 494.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 494.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 494.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 494.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 494.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 494.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 466.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 466.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 466.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 466.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 466.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 466.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 466.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 466.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 466.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 466.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 438.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 438.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 438.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 438.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 438.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 438.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 438.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 438.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 438.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 438.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 410.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 410.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 410.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 410.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 410.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 410.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 410.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 410.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 410.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 410.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 382.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 382.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 382.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 382.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 382.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 382.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 382.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 382.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 382.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 382.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 354.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 354.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 354.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 354.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 354.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 354.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 354.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 354.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 354.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 354.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 326.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 326.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 326.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 326.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 326.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 326.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 326.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 326.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 326.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 326.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 298.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 298.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 298.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 298.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 298.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 298.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 298.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 298.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 298.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 298.25 54.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 676.25 m 343 676.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343 676.25 m 347 676.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347 676.25 m 397 676.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397 676.25 m 401 676.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 676.25 m 455 676.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455 676.25 m 459 676.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459 676.25 m 509 676.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509 676.25 m 513 676.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 676.25 m 567 676.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 662.25 m 343 662.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347 662.25 m 397 662.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459 676.25 m 509 676.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459 662.25 m 509 662.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 662.25 m 343 662.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 662.25 m 455 662.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459 662.25 m 509 662.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 662.25 m 567 662.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 606.25 m 343 606.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 606.25 m 455 606.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 606.25 m 567 606.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 606.25 m 455 606.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 606.25 m 567 606.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 564.25 m 343 564.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 564.25 m 455 564.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 564.25 m 567 564.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 550.25 m 343 550.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 564.25 m 455 564.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 564.25 m 567 564.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 550.25 m 455 550.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 550.25 m 567 550.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 452.25 m 343 452.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 452.25 m 455 452.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 452.25 m 567 452.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 438.25 m 343 438.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 452.25 m 455 452.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 438.25 m 455 438.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 452.25 m 567 452.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 438.25 m 567 438.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 411.25 m 343 411.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 409.25 m 343 409.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 411.25 m 455 411.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 409.25 m 455 409.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 411.25 m 567 411.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 409.25 m 567 409.25 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 694.81 Td (\(in millions of dollars, except ratios\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 680.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.20 680.82 Td (Y) Tj ET Q q 0 0 0 rg BT 382.92 680.82 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 666.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.50 666.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.80 666.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.50 666.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.80 666.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.50 666.82 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 652.98 Td (Adjusted Operating Revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 638.82 Td (Premium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 624.82 Td (Group Long-term Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.50 624.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.10 624.82 Td (1,766.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 624.82 Td (0.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.15 624.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.50 624.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.10 624.82 Td (1,749.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 624.82 Td (1.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.15 624.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.50 624.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 624.82 Td (1,726.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 610.82 Td (Group Short-term Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.65 610.82 Td (706.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.65 610.82 Td (10.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.65 610.82 Td (639.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 610.82 Td (2.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 610.82 Td (626.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 596.82 Td (T) Tj ET Q q 0 0 0 rg BT 58.26 596.82 Td (otal Premium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.10 596.82 Td (2,472.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 596.82 Td (3.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.10 596.82 Td (2,389.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 596.82 Td (1.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 596.82 Td (2,352.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 582.82 Td (Net Investment Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.65 582.82 Td (432.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.30 582.87 Td (\(6.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.15 582.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.65 582.82 Td (460.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.30 582.87 Td (\(4.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.15 582.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 582.82 Td (479.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 568.82 Td (Other Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.65 568.82 Td (109.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.65 568.82 Td (10.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 568.82 Td (98.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 568.82 Td (7.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 568.82 Td (91.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 554.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 554.98 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.10 554.82 Td (3,014.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 554.82 Td (2.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.10 554.82 Td (2,948.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 554.82 Td (0.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 554.82 Td (2,923.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 526.98 Td (Benefits and Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 512.82 Td (Benefits and Change in Reserves for Future Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.10 512.82 Td (1,880.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 512.82 Td (2.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.10 512.82 Td (1,828.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.30 512.87 Td (\(1.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.15 512.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 512.82 Td (1,863.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 498.82 Td (Commissions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.65 498.82 Td (186.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 498.82 Td (2.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.65 498.82 Td (181.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 498.82 Td (2.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 498.82 Td (178.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 484.82 Td (Deferral of ) Tj ET Q q 0 0 0 rg BT 98.86 484.82 Td (Acquisition Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.30 484.87 Td (\(48.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.15 484.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 484.82 Td (2.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.30 484.87 Td (\(46.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.15 484.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 484.82 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.30 484.87 Td (\(46.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 484.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 470.82 Td (Amortization of Deferred ) Tj ET Q q 0 0 0 rg BT 156.90 470.82 Td (Acquisition Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 470.82 Td (44.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.65 470.82 Td (12.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 470.82 Td (39.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 470.82 Td (1) Tj ET Q q 0 0 0 rg BT 487.65 470.82 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 470.82 Td (35.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 456.82 Td (Other Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.65 456.82 Td (612.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 456.82 Td (4.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.65 456.82 Td (587.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 456.82 Td (2.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 456.82 Td (572.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 442.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 442.98 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.10 442.82 Td (2,675.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 442.82 Td (3.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.10 442.82 Td (2,590.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.30 442.87 Td (\(0.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.15 442.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 442.82 Td (2,603.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 414.98 Td (Adjusted Operating Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.50 414.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.65 414.82 Td (338.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.30 414.87 Td (\(5.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.15 414.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.50 414.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.65 414.82 Td (357.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 414.82 Td (1) Tj ET Q q 0 0 0 rg BT 487.65 414.82 Td (1.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.50 414.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 414.82 Td (319.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 386.82 Td (Operating Ratios \(% of Premium Income\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 372.82 Td (Benefit Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 372.82 Td (76.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.15 372.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 372.82 Td (76.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.15 372.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 372.82 Td (79.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 372.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 358.82 Td (Other Expense Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 358.82 Td (24.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.15 358.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 358.82 Td (24.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.15 358.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 358.82 Td (24.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 358.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 344.82 Td (Adjusted Operating Income Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 344.82 Td (13.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.15 344.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 344.82 Td (15.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.15 344.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 344.82 Td (13.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 344.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 316.82 Td (Persistency:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 302.82 Td (Group Long-term Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 302.82 Td (90.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.15 302.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 302.82 Td (89.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.15 302.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 302.82 Td (91.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 302.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 288.82 Td (Group Short-term Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 288.82 Td (87.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.15 288.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 288.82 Td (86.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.15 288.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 288.82 Td (87.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 288.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 127 0 obj <> endobj 128 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (59) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 63 734.2669921875 m 190.55859375 734.2669921875 l s q 0 0 0 rg BT 63.00 735.60 Td (Y) Tj ET Q q 0 0 0 rg BT 69.22 735.60 Td (ear Ended December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 190.55859375 734.2669921875 m 257.306640625 734.2669921875 l s q 0 0 0 rg BT 190.56 735.60 Td ( Compared with ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 257.306640625 734.2669921875 m 384.6796875 734.2669921875 l s q 0 0 0 rg BT 257.12 735.60 Td (Y) Tj ET Q q 0 0 0 rg BT 263.34 735.60 Td (ear Ended December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (Premium income increased compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.05 711.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.05 711.60 Td (, driven primarily by growth in the in-force block due to higher prior period sales ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (and improved persistency) Tj ET Q q 0 0 0 rg BT 151.60 699.60 Td (. Net investment income was lower relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.43 699.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.43 699.60 Td (due to a decrease in the level of invested assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (and a decline in yield on invested assets, partially of) Tj ET Q q 0 0 0 rg BT 258.15 687.60 Td (fset by higher miscellaneous investment income. Other income is comprised ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (primarily ) Tj ET Q q 0 0 0 rg BT 89.21 675.60 Td (of ) Tj ET Q q 0 0 0 rg BT 100.04 675.60 Td (fees ) Tj ET Q q 0 0 0 rg BT 118.64 675.60 Td (from ) Tj ET Q q 0 0 0 rg BT 140.58 675.60 Td (administrative ) Tj ET Q q 0 0 0 rg BT 200.29 675.60 Td (services ) Tj ET Q q 0 0 0 rg BT 234.99 675.60 Td (products.) Tj ET Q /GS0 gs q 2.50 0 0 10.09 271.93 673.44 cm /I12 Do Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (Benefits experience was favorable compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.63 651.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.63 651.60 Td (due primarily to favorable claim recovery experience in our group long-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (term disability product line, partially of) Tj ET Q q 0 0 0 rg BT 207.06 639.60 Td (fset by higher claims incidence in certain of our group short-term disability products.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (Commissions and the deferral of acquisition costs were higher compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.59 615.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.59 615.60 Td (due to prior period sales growth. ) Tj ET Q q 0 0 0 rg BT 510.88 615.60 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (amortization of deferred acquisition costs increased relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.07 603.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.07 603.60 Td (due to growth in the level of the deferred asset. Our other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (expense ratio for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.19 591.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.19 591.60 Td ( increased compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.15 591.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.15 591.60 Td (due primarily to an increase in operational investments in our business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (balanced with our continued focus on expense management and operating ef) Tj ET Q q 0 0 0 rg BT 355.32 579.60 Td (ficiencies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 555.60 Td (e had goodwill of $8.9 million at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.01 555.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.59 555.60 Td (, none of which is currently believed to be at risk for future impairment. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 63 530.2669921875 m 190.55859375 530.2669921875 l s q 0 0 0 rg BT 63.00 531.60 Td (Y) Tj ET Q q 0 0 0 rg BT 69.22 531.60 Td (ear Ended December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 190.55859375 530.2669921875 m 257.306640625 530.2669921875 l s q 0 0 0 rg BT 190.56 531.60 Td ( Compared with ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 257.306640625 530.2669921875 m 384.6796875 530.2669921875 l s q 0 0 0 rg BT 257.12 531.60 Td (Y) Tj ET Q q 0 0 0 rg BT 263.34 531.60 Td (ear Ended December 31, 2016) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (Premium income increased compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.05 507.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.05 507.60 Td (, driven primarily by growth in the in-force block due to higher sales, partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 495.60 Td (fset by lower persistency) Tj ET Q q 0 0 0 rg BT 156.69 495.60 Td (. Net investment income was lower relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.53 495.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.53 495.60 Td (due to a decline in yield and a lower level of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (invested assets, partially of) Tj ET Q q 0 0 0 rg BT 157.63 483.60 Td (fset by higher miscellaneous investment income. Other income is comprised primarily of fees from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (administrative ) Tj ET Q q 0 0 0 rg BT 109.21 471.60 Td (services ) Tj ET Q q 0 0 0 rg BT 143.91 471.60 Td (products.) Tj ET Q /GS0 gs q 2.50 0 0 10.09 180.85 469.44 cm /I13 Do Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (Benefits experience was favorable compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.63 447.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.63 447.60 Td (due primarily to continued favorable claims incidence trends in our group ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (long-term disability product line and lower prevalence rates in our group short-term disability product line. Partially of) Tj ET Q q 0 0 0 rg BT 526.97 435.60 Td (fsetting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (the favorable claims experience was a 50 basis point decrease in the discount rate for group long-term disability claim incurrals ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (which we implemented in the fourth quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.88 411.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.88 411.60 Td (.) Tj ET Q /GS0 gs q 2.50 0 0 10.09 261.38 409.44 cm /I14 Do Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (Commissions and the deferral of acquisition costs were higher compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.59 387.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.59 387.60 Td (due to sales growth. ) Tj ET Q q 0 0 0 rg BT 460.89 387.60 Td (The amortization of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (deferred acquisition costs increased relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.20 375.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.20 375.60 Td (due to growth in the level of the deferred asset. Our other expense ratio for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 363.60 Td ( increased slightly compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.96 363.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.96 363.60 Td (due to the continued investment in the growth of our business balanced with our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (continued focus on expense management and operating ef) Tj ET Q q 0 0 0 rg BT 281.18 351.60 Td (ficiencies.) Tj ET Q endstream endobj 129 0 obj <> endobj 130 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (60) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 61.50 735.75 Td (Unum US Group Life and ) Tj ET Q q 0 0 0 rg BT 171.43 735.75 Td (Accidental Death and Dismemberment Operating Results) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 714.75 Td (Shown below are financial results and key performance indicators for Unum US group life and accidental death and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 702.75 Td (dismemberment. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 650.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 650.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 650.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 650.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 650.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 650.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 650.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 650.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 650.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 650.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 622.25 239.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.00 622.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 622.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 622.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 622.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 622.25 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.00 622.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 622.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.00 622.25 4.00 -14.00 re f /GS0 gs 0.8 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[] 0 d 0 J 0 j 3 M 513 440.25 m 567 440.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 426.25 m 343 426.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 440.25 m 455 440.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 426.25 m 455 426.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 440.25 m 567 440.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 426.25 m 567 426.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 372.25 m 343 372.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 372.25 m 455 372.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 372.25 m 567 372.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 359.25 m 343 359.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289 357.25 m 343 357.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 359.25 m 455 359.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 357.25 m 455 357.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 359.25 m 567 359.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 357.25 m 567 357.25 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 682.81 Td (\(in millions of dollars, except ratios\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.50 682.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 668.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.20 668.82 Td (Y) Tj ET Q q 0 0 0 rg BT 382.92 668.82 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 654.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.50 654.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.80 654.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.50 654.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.80 654.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.50 654.82 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 640.98 Td (Adjusted Operating Revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 626.82 Td (Premium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 612.82 Td (Group Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.50 612.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.10 612.82 Td (1,583.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 612.82 Td (7.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.15 612.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.50 612.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.10 612.82 Td (1,467.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 612.82 Td (4.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.15 612.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.50 612.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 612.82 Td (1,410.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 598.82 Td (Accidental Death & Dismemberment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.65 598.82 Td (156.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 598.82 Td (6.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.65 598.82 Td (147.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 598.82 Td (5.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 598.82 Td (140.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 584.82 Td (T) Tj ET Q q 0 0 0 rg BT 58.26 584.82 Td (otal Premium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.10 584.82 Td (1,740.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 584.82 Td (7.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.10 584.82 Td (1,615.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 584.82 Td (4.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 584.82 Td (1,550.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 570.82 Td (Net Investment Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.65 570.82 Td (106.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.30 570.87 Td (\(3.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.15 570.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.65 570.82 Td (109.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.30 570.87 Td (\(3.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.15 570.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 570.82 Td (1) Tj ET Q q 0 0 0 rg BT 540.65 570.82 Td (13.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 556.82 Td (Other Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.65 556.82 Td (4.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.30 556.87 Td (\(2.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.15 556.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.65 556.82 Td (4.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 556.82 Td (6.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 556.82 Td (4.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 542.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 542.98 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.10 542.82 Td (1,851.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 542.82 Td (7.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.10 542.82 Td (1,729.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 542.82 Td (3.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 542.82 Td (1,668.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 514.98 Td (Benefits and Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 500.82 Td (Benefits and Change in Reserves for Future Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.10 500.82 Td (1,237.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 500.82 Td (5.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.10 500.82 Td (1,169.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 500.82 Td (5.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 500.82 Td (1,1) Tj ET Q q 0 0 0 rg BT 540.60 500.82 Td (12.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 486.82 Td (Commissions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.65 486.82 Td (141.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 486.82 Td (7.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.65 486.82 Td (131.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 486.82 Td (3.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 486.82 Td (126.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 472.82 Td (Deferral of ) Tj ET Q q 0 0 0 rg BT 98.86 472.82 Td (Acquisition Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.30 472.87 Td (\(38.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.15 472.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 472.82 Td (5.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.30 472.87 Td (\(36.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.15 472.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 472.82 Td (1.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.30 472.87 Td (\(35.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 472.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 458.82 Td (Amortization of Deferred ) Tj ET Q q 0 0 0 rg BT 156.90 458.82 Td (Acquisition Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 458.82 Td (35.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.65 458.82 Td (12.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 458.82 Td (31.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 458.82 Td (9.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 458.82 Td (29.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 444.82 Td (Other Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.65 444.82 Td (214.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.30 444.87 Td (\(1.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.15 444.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.65 444.82 Td (217.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 444.82 Td (1.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 444.82 Td (213.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 430.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 430.98 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.10 430.82 Td (1,591.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.65 430.82 Td (5.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.10 430.82 Td (1,514.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 430.82 Td (4.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 430.82 Td (1,446.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 400.93 Td (Income Befor) Tj ET Q q 0 0 0 rg BT 110.36 400.93 Td (e Income ) Tj ET Q q 0 0 0 rg BT 151.27 400.93 Td (T) Tj ET Q q 0 0 0 rg BT 157.03 400.93 Td (ax and Net Realized) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 390.93 Td (Investment Gains and Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.65 390.92 Td (260.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.65 390.92 Td (20.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.65 390.92 Td (215.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.30 390.97 Td (\(2.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.15 390.92 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 390.92 Td (221.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 376.82 Td (UDB Reserve Increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.15 376.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.35 376.82 Td (N.M.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 376.82 Td (18.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.35 376.82 Td (N.M.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 376.82 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 362.98 Td (Adjusted Operating Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.50 362.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.65 362.82 Td (260.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.65 362.82 Td (1) Tj ET Q q 0 0 0 rg BT 375.65 362.82 Td (1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.50 362.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.65 362.82 Td (234.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 362.82 Td (5.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.50 362.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 362.82 Td (221.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 334.82 Td (Operating Ratios \(% of Premium Income\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 320.82 Td (Benefit Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 320.82 Td (71.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.15 320.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 320.82 Td (72.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.15 320.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 320.82 Td (71.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 320.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 306.82 Td (Benefit Ratio Excluding UDB Reserve Increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 306.82 Td (71.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.15 306.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 292.82 Td (Other Expense Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 292.82 Td (12.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.15 292.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 292.82 Td (13.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.15 292.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 292.82 Td (13.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 292.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 278.82 Td (Income Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 278.82 Td (13.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.15 278.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 264.82 Td (Adjusted Operating Income Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 264.82 Td (14.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.15 264.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 264.82 Td (14.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.15 264.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 264.82 Td (14.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 264.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 236.82 Td (Persistency:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 222.82 Td (Group Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 222.82 Td (91.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.15 222.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 222.82 Td (88.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.15 222.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 222.82 Td (90.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 222.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 208.82 Td (Accidental Death & Dismemberment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.65 208.82 Td (89.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.15 208.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.65 208.82 Td (87.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.15 208.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 208.82 Td (90.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 208.82 Td (%) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 180.81 Td (N.M. = not a meaningful per) Tj ET Q q 0 0 0 rg BT 167.48 180.81 Td (centage) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 131 0 obj <> endobj 132 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (61) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 63.5 734.2669921875 m 191.05859375 734.2669921875 l s q 0 0 0 rg BT 63.50 735.60 Td (Y) Tj ET Q q 0 0 0 rg BT 69.72 735.60 Td (ear Ended December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 191.05859375 734.2669921875 m 257.806640625 734.2669921875 l s q 0 0 0 rg BT 191.06 735.60 Td ( Compared with ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 257.806640625 734.2669921875 m 385.1796875 734.2669921875 l s q 0 0 0 rg BT 257.62 735.60 Td (Y) Tj ET Q q 0 0 0 rg BT 263.84 735.60 Td (ear Ended December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (Premium income increased compared to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.05 711.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.05 711.60 Td (with growth in the in-force block due to prior period sales growth and favorable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (persistency) Tj ET Q q 0 0 0 rg BT 93.84 699.60 Td (. Net investment income was lower compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.11 699.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.11 699.60 Td (due to a decline in yield on invested assets, partially of) Tj ET Q q 0 0 0 rg BT 533.54 699.60 Td (fset by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (an ) Tj ET Q q 0 0 0 rg BT 61.44 687.60 Td (increase ) Tj ET Q q 0 0 0 rg BT 96.69 687.60 Td (in ) Tj ET Q q 0 0 0 rg BT 106.97 687.60 Td (the ) Tj ET Q q 0 0 0 rg BT 121.69 687.60 Td (level ) Tj ET Q q 0 0 0 rg BT 143.62 687.60 Td (of ) Tj ET Q q 0 0 0 rg BT 154.45 687.60 Td (invested ) Tj ET Q q 0 0 0 rg BT 190.28 687.60 Td (assets ) Tj ET Q q 0 0 0 rg BT 216.11 687.60 Td (and ) Tj ET Q q 0 0 0 rg BT 233.04 687.60 Td (higher ) Tj ET Q q 0 0 0 rg BT 261.09 687.60 Td (miscellaneous ) Tj ET Q q 0 0 0 rg BT 320.24 687.60 Td (investment ) Tj ET Q q 0 0 0 rg BT 366.62 687.60 Td (income.) Tj ET Q /GS0 gs q 2.50 0 0 10.09 398.56 685.44 cm /I15 Do Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (Benefits experience was favorable compared to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.63 663.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.63 663.60 Td ( due to the previously discussed 2017 reserve increase for unclaimed death ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (benefits in our group life product line and favorable 2018 experience in our accidental death and dismemberment product line. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (Excluding the 2017 reserve increase, benefits experience was generally consistent with the prior year) Tj ET Q q 0 0 0 rg BT 453.24 639.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (Commissions and the deferral of acquisition costs were higher compared to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.59 615.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.59 615.60 Td (due to prior period sales growth. ) Tj ET Q q 0 0 0 rg BT 510.88 615.60 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (amortization of deferred acquisition costs increased relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.07 603.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.07 603.60 Td (due to growth in the level of the deferred asset. ) Tj ET Q q 0 0 0 rg BT 516.65 603.60 Td (The other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (expense ratio improved compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.06 591.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.06 591.60 Td ( due to growth in premium income and a continued focus on expense management and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (operating ef) Tj ET Q q 0 0 0 rg BT 97.35 579.60 Td (ficiencies balanced with continued investment in the growth of our business.) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 63 554.2669921875 m 190.55859375 554.2669921875 l s q 0 0 0 rg BT 63.00 555.60 Td (Y) Tj ET Q q 0 0 0 rg BT 69.22 555.60 Td (ear Ended December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 190.55859375 554.2669921875 m 257.306640625 554.2669921875 l s q 0 0 0 rg BT 190.56 555.60 Td ( Compared with ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 257.306640625 554.2669921875 m 384.6796875 554.2669921875 l s q 0 0 0 rg BT 257.12 555.60 Td (Y) Tj ET Q q 0 0 0 rg BT 263.34 555.60 Td (ear Ended December 31, 2016) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (Premium income increased compared to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.05 531.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.05 531.60 Td (with growth in the in-force block due to higher sales, partially of) Tj ET Q q 0 0 0 rg BT 494.19 531.60 Td (fset by a decline ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (in persistency) Tj ET Q q 0 0 0 rg BT 104.11 519.60 Td (. Net investment income was lower compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.39 519.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.39 519.60 Td (due to a decline in yield and a lower level of invested assets, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (partially ) Tj ET Q q 0 0 0 rg BT 85.32 507.60 Td (of) Tj ET Q q 0 0 0 rg BT 93.47 507.60 Td (fset ) Tj ET Q q 0 0 0 rg BT 110.41 507.60 Td (by ) Tj ET Q q 0 0 0 rg BT 122.91 507.60 Td (higher ) Tj ET Q q 0 0 0 rg BT 150.96 507.60 Td (miscellaneous ) Tj ET Q q 0 0 0 rg BT 210.11 507.60 Td (investment ) Tj ET Q q 0 0 0 rg BT 256.49 507.60 Td (income.) Tj ET Q /GS0 gs q 2.50 0 0 10.09 288.42 505.44 cm /I16 Do Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (Benefits experience was unfavorable compared to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.63 483.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.63 483.60 Td ( due to the 2017 reserve increase for unclaimed death benefits in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (group life product line. Excluding this reserve increase, benefits experience was favorable due primarily to favorable average ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (claim size in our group life product line, partially of) Tj ET Q q 0 0 0 rg BT 257.03 459.60 Td (fset by higher incidence in the accidental death and dismemberment product ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (line.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (Commissions and the deferral of acquisition costs were higher compared to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.59 423.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.59 423.60 Td (due to sales growth. ) Tj ET Q q 0 0 0 rg BT 460.89 423.60 Td (The amortization of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (deferred acquisition costs increased relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.20 411.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.20 411.60 Td (due to growth in the level of the deferred asset. ) Tj ET Q q 0 0 0 rg BT 452.79 411.60 Td (The other expense ratio was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (favorable to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.03 399.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.03 399.60 Td ( due to growth in premium income and a continued focus on expense management and operating ef) Tj ET Q q 0 0 0 rg BT 516.95 399.60 Td (ficiencies.) Tj ET Q endstream endobj 133 0 obj <> endobj 134 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (62) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 61.50 735.75 Td (Unum US Supplemental and V) Tj ET Q q 0 0 0 rg BT 188.20 735.75 Td (oluntary Operating Results) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 714.75 Td (Shown below are financial results and key performance indicators for Unum US supplemental and voluntary product lines.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 653.25 255.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 653.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 653.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 653.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.00 653.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.00 653.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 653.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.00 653.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 653.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 653.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 625.25 255.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 625.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 625.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 625.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.00 625.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.00 625.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 625.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.00 625.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 625.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 625.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 597.25 255.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 597.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 597.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 597.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.00 597.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.00 597.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 597.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.00 597.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 597.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 597.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 569.25 255.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 569.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 569.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 569.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.00 569.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.00 569.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 569.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.00 569.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 569.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 569.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 541.25 255.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 541.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 541.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 541.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.00 541.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.00 541.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 541.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.00 541.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 541.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 541.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 513.25 255.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 513.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 513.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 513.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.00 513.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.00 513.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 513.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.00 513.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 513.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 513.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 485.25 255.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 485.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 485.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 485.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.00 485.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.00 485.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 485.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.00 485.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 485.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 485.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 457.25 255.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 457.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 457.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 457.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.00 457.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.00 457.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 457.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.00 457.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 457.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 457.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 429.25 255.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 429.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 429.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 429.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.00 429.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.00 429.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 429.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.00 429.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 429.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 429.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 401.25 255.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 401.25 50.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 401.25 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 401.25 48.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.00 401.25 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.00 401.25 50.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 401.25 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.00 401.25 48.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 401.25 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 401.25 50.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 361.25 255.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 361.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 361.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 361.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.00 361.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.00 361.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 361.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.00 361.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 361.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 361.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 333.25 255.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 333.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 333.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 333.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.00 333.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.00 333.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 333.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.00 333.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 333.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 333.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 305.25 255.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 305.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 305.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 305.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.00 305.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.00 305.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 305.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.00 305.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 305.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 305.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 277.25 255.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 277.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 277.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 277.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.00 277.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.00 277.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 277.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.00 277.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 277.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 277.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 249.25 255.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 249.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 249.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 249.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.00 249.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.00 249.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 249.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.00 249.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 249.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 249.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 221.25 255.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 221.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 221.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 221.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.00 221.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.00 221.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 221.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.00 221.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 221.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 221.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 193.25 255.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 193.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 193.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 193.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.00 193.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.00 193.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 193.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.00 193.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 193.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 193.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 165.25 255.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.00 165.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 165.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.00 165.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.00 165.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.00 165.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 165.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.00 165.25 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 165.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 165.25 50.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305 667.25 m 355 667.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355 667.25 m 359 667.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 667.25 m 407 667.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407 667.25 m 411 667.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411 667.25 m 461 667.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461 667.25 m 465 667.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465 667.25 m 513 667.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 667.25 m 517 667.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 667.25 m 567 667.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305 653.25 m 355 653.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359 653.25 m 407 653.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411 653.25 m 461 653.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465 667.25 m 513 667.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465 653.25 m 513 653.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 653.25 m 567 653.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305 653.25 m 355 653.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305 583.25 m 355 583.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411 583.25 m 461 583.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 583.25 m 567 583.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305 583.25 m 355 583.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411 583.25 m 461 583.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 583.25 m 567 583.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305 541.25 m 355 541.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411 541.25 m 461 541.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 541.25 m 567 541.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305 527.25 m 355 527.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411 541.25 m 461 541.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411 527.25 m 461 527.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 541.25 m 567 541.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 527.25 m 567 527.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305 429.25 m 355 429.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411 429.25 m 461 429.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 429.25 m 567 429.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305 415.25 m 355 415.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411 429.25 m 461 429.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411 415.25 m 461 415.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 429.25 m 567 429.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 415.25 m 567 415.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305 361.25 m 355 361.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411 361.25 m 461 361.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 361.25 m 567 361.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305 348.25 m 355 348.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305 346.25 m 355 346.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411 348.25 m 461 348.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411 346.25 m 461 346.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 348.25 m 567 348.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 346.25 m 567 346.25 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 685.81 Td (\(in millions of dollars, except ratios\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 671.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.20 671.82 Td (Y) Tj ET Q q 0 0 0 rg BT 390.92 671.82 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 657.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.50 657.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.80 657.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.50 657.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.80 657.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.50 657.82 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 643.98 Td (Adjusted Operating Revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 629.82 Td (Premium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 615.82 Td (Individual Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.50 615.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 615.82 Td (425.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.65 615.82 Td (1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 615.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.50 615.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.65 615.82 Td (420.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.95 615.82 Td (\(12.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.80 615.82 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.50 615.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 615.82 Td (480.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 601.82 Td (V) Tj ET Q q 0 0 0 rg BT 65.08 601.82 Td (oluntary Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 601.82 Td (895.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.65 601.82 Td (5.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.65 601.82 Td (849.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 601.82 Td (6.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 601.82 Td (796.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 587.82 Td (Dental and ) Tj ET Q q 0 0 0 rg BT 104.50 587.82 Td (V) Tj ET Q q 0 0 0 rg BT 111.33 587.82 Td (ision) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 587.82 Td (202.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.65 587.82 Td (19.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.65 587.82 Td (169.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 587.82 Td (177.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 587.82 Td (61.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 573.82 Td (T) Tj ET Q q 0 0 0 rg BT 58.26 573.82 Td (otal Premium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.10 573.82 Td (1,523.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.65 573.82 Td (5.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.10 573.82 Td (1,439.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 573.82 Td (7.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 573.82 Td (1,337.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 559.82 Td (Net Investment Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 559.82 Td (239.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.30 559.87 Td (\(0.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 559.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.65 559.82 Td (240.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 559.82 Td (2.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 559.82 Td (235.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 545.82 Td (Other Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.65 545.82 Td (4.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.30 545.87 Td (\(52.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 545.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.65 545.82 Td (10.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.95 545.82 Td (\(42.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.80 545.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 545.82 Td (17.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 531.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 531.98 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.10 531.82 Td (1,768.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.65 531.82 Td (4.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.10 531.82 Td (1,690.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 531.82 Td (6.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 531.82 Td (1,591.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 503.98 Td (Benefits and Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 489.82 Td (Benefits and Change in Reserves for Future Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 489.82 Td (738.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.65 489.82 Td (6.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.65 489.82 Td (695.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 489.82 Td (7.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 489.82 Td (647.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 475.82 Td (Commissions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 475.82 Td (293.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.65 475.82 Td (5.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.65 475.82 Td (277.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 475.82 Td (0.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 475.82 Td (275.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 461.82 Td (Deferral of ) Tj ET Q q 0 0 0 rg BT 98.86 461.82 Td (Acquisition Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.30 461.87 Td (\(257.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.15 461.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.65 461.82 Td (6.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.30 461.87 Td (\(242.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.15 461.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 461.82 Td (4.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 461.87 Td (\(232.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 461.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 447.82 Td (Amortization of Deferred ) Tj ET Q q 0 0 0 rg BT 156.90 447.82 Td (Acquisition Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 447.82 Td (234.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.65 447.82 Td (5.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.65 447.82 Td (221.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 447.82 Td (5.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 447.82 Td (210.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 433.82 Td (Other Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 433.82 Td (344.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.65 433.82 Td (4.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.65 433.82 Td (328.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 433.82 Td (3.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 433.82 Td (317.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 419.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 419.98 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.10 419.82 Td (1,352.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.65 419.82 Td (5.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.10 419.82 Td (1,280.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 419.82 Td (5.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 419.82 Td (1,218.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 389.93 Td (Income Befor) Tj ET Q q 0 0 0 rg BT 110.45 389.93 Td (e Income ) Tj ET Q q 0 0 0 rg BT 151.36 389.93 Td (T) Tj ET Q q 0 0 0 rg BT 157.49 389.93 Td (ax and Net Realized Investment) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 379.93 Td (Gains and Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 379.92 Td (416.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.65 379.92 Td (1.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.65 379.92 Td (409.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 379.92 Td (9.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 379.92 Td (372.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 365.82 Td (UDB Reserve Increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.15 365.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.35 365.82 Td (N.M.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.65 365.82 Td (8.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.35 365.82 Td (N.M.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 365.82 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 351.93 Td (Adjusted Operating Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.50 351.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 351.82 Td (416.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.30 351.87 Td (\(0.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 351.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.50 351.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.65 351.82 Td (417.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.30 351.82 Td (12.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.50 351.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 351.82 Td (372.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 323.82 Td (Operating Ratios \(% of Premium Income\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 309.82 Td (Benefit Ratios:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.50 295.82 Td (Individual Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.65 295.82 Td (50.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.15 295.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.65 295.82 Td (47.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.15 295.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 295.82 Td (52.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 295.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.50 281.82 Td (V) Tj ET Q q 0 0 0 rg BT 71.08 281.82 Td (oluntary Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.65 281.82 Td (42.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.15 281.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.65 281.82 Td (44.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.15 281.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 281.82 Td (44.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 281.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.50 267.82 Td (V) Tj ET Q q 0 0 0 rg BT 71.08 267.82 Td (oluntary Benefits Excluding UDB Reserve Increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.65 267.82 Td (43.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.15 267.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.50 253.82 Td (Dental and ) Tj ET Q q 0 0 0 rg BT 110.41 253.82 Td (V) Tj ET Q q 0 0 0 rg BT 117.03 253.82 Td (ision) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.65 253.82 Td (68.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.15 253.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.65 253.82 Td (69.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.15 253.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 253.82 Td (66.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 253.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 239.82 Td (Other Expense Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.65 239.82 Td (22.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.15 239.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.65 239.82 Td (22.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.15 239.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 239.82 Td (23.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 239.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 225.82 Td (Income Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.65 225.82 Td (28.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.15 225.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 211.82 Td (Adjusted Operating Income Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.65 211.82 Td (27.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.15 211.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.65 211.82 Td (29.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.15 211.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 211.82 Td (27.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 211.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 183.82 Td (Persistency:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 169.82 Td (Individual Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.65 169.82 Td (90.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.15 169.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.65 169.82 Td (91.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.15 169.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 169.82 Td (91.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 169.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 155.82 Td (V) Tj ET Q q 0 0 0 rg BT 65.08 155.82 Td (oluntary Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.65 155.82 Td (75.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.15 155.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.65 155.82 Td (77.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.15 155.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 155.82 Td (76.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 155.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 141.82 Td (Dental and ) Tj ET Q q 0 0 0 rg BT 104.41 141.82 Td (V) Tj ET Q q 0 0 0 rg BT 111.03 141.82 Td (ision) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.65 141.82 Td (84.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.15 141.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.65 141.82 Td (85.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.15 141.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 141.82 Td (84.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 141.82 Td (%) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 113.81 Td (N.M. = not a meaningful per) Tj ET Q q 0 0 0 rg BT 167.48 113.81 Td (centage) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 135 0 obj <> endobj 136 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (63) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 63.5 734.2669921875 m 191.05859375 734.2669921875 l s q 0 0 0 rg BT 63.50 735.60 Td (Y) Tj ET Q q 0 0 0 rg BT 69.72 735.60 Td (ear Ended December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 191.05859375 734.2669921875 m 257.806640625 734.2669921875 l s q 0 0 0 rg BT 191.06 735.60 Td ( Compared with ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 257.806640625 734.2669921875 m 385.1796875 734.2669921875 l s q 0 0 0 rg BT 257.62 735.60 Td (Y) Tj ET Q q 0 0 0 rg BT 263.84 735.60 Td (ear Ended December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (Premium income increased compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.05 711.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.05 711.60 Td ( driven by higher sales, including dental and vision where we continue to expand ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (its distribution, partially of) Tj ET Q q 0 0 0 rg BT 156.53 699.60 Td (fset by unfavorable persistency) Tj ET Q q 0 0 0 rg BT 280.56 699.60 Td (. Net investment income was slightly lower compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.34 699.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.34 699.60 Td ( due to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (decline in yield on invested assets and lower miscellaneous investment income, partially of) Tj ET Q q 0 0 0 rg BT 413.94 687.60 Td (fset by a higher level of invested ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (assets. Other income is comprised primarily of surrender fees in our voluntary benefits product line, which continue to decline ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (as our interest sensitive life products mature.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (Benefits experience for the individual disability product line compared to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.52 639.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.52 639.60 Td ( was less favorable due to a prior year reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (release of $19.5 million resulting from our 2017 annual reserve adequacy update that did not recur and unfavorable claims ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (activity) Tj ET Q q 0 0 0 rg BT 78.84 615.60 Td (, partially of) Tj ET Q q 0 0 0 rg BT 127.81 615.60 Td (fset by favorable mortality experience in 2018. Benefits experience for voluntary benefits was favorable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (compared to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.70 603.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.70 603.60 Td ( due primarily to the previously discussed 2017 reserve increase for unclaimed death benefits. Excluding this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (reserve increase, benefits experience was favorable across most of our voluntary product lines. Benefits experience for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (dental and vision product line was favorable compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.37 579.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.37 579.60 Td ( and was within our expectations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (Commissions and the deferral of acquisition costs were higher compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.59 555.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.59 555.60 Td (due primarily to sales growth. ) Tj ET Q q 0 0 0 rg BT 500.60 555.60 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (amortization of deferred acquisition costs increased year over year due to growth in the level of the deferred asset. Our other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (expense ratio improved relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.62 531.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.62 531.60 Td ( due to growth in premium income and our continued focus on expense management and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (operating ef) Tj ET Q q 0 0 0 rg BT 97.35 519.60 Td (ficiencies balanced with an increase in operational investments in our business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 495.60 Td (e had goodwill of $271.1 million at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.01 495.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.59 495.60 Td (, none of which is currently believed to be at risk for future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (impairment. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 63.5 458.2669921875 m 191.05859375 458.2669921875 l s q 0 0 0 rg BT 63.50 459.60 Td (Y) Tj ET Q q 0 0 0 rg BT 69.72 459.60 Td (ear Ended December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 191.05859375 458.2669921875 m 257.806640625 458.2669921875 l s q 0 0 0 rg BT 191.06 459.60 Td ( Compared with ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 257.806640625 458.2669921875 m 385.1796875 458.2669921875 l s q 0 0 0 rg BT 257.62 459.60 Td (Y) Tj ET Q q 0 0 0 rg BT 263.84 459.60 Td (ear Ended December 31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.18 459.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (Premium income increased compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.05 435.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.05 435.60 Td ( driven by growth in the dental and vision product line associated with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (acquisition of Starmount during the third quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.23 423.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.23 423.60 Td ( as well as growth in the voluntary benefits product line due to higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (sales. Premium income for our individual disability product line declined compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.42 411.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.42 411.60 Td ( due to the impact of a reinsurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (agreement we entered into during the fourth quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.69 399.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.69 399.60 Td ( whereby we ceded 30 percent of the risk for certain blocks of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (individual disability business on a non-proportional modified coinsurance basis. Excluding the impact of this agreement, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (premium income for our individual disability product line increased relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.36 375.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.36 375.60 Td (, driven by higher sales.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (Net investment income was higher compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.05 351.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.05 351.60 Td ( due to an increase in the level of invested assets and higher miscellaneous ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (investment income, partially of) Tj ET Q q 0 0 0 rg BT 174.29 339.60 Td (fset by a decline in yield. Other income decreased relative to 2016 due primarily to the expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (decline in surrender fees as our interest sensitive life products mature.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (Benefits experience was favorable for the individual disability product line compared to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.83 303.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.83 303.60 Td ( due primarily to lower claim ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (volumes and a reserve release of $19.5 million resulting from our annual reserve adequacy update, partially of) Tj ET Q q 0 0 0 rg BT 490.27 291.60 Td (fset by the impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (to our benefit ratio from the reinsurance agreement we entered into during the fourth quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.13 279.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.13 279.60 Td (. Benefits experience for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (voluntary benefits was unfavorable compared to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.99 267.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.99 267.60 Td ( due primarily to the 2017 reserve increase for unclaimed death benefits. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (Excluding this reserve increase, benefits experience was favorable driven primarily by a continued shift in product mix and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (favorable claims experience, primarily in our critical illness product line. ) Tj ET Q q 0 0 0 rg BT 346.16 243.60 Td (The dental and vision product line will typically have a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (higher benefit ratio than the other product lines reported in our supplemental and voluntary line of business, but did experience ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (less favorable claims experience relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.42 219.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.42 219.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (Commissions were slightly higher compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.14 195.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.14 195.60 Td (due primarily to sales growth in the dental and vision and voluntary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (benefits product lines, mostly of) Tj ET Q q 0 0 0 rg BT 178.46 183.60 Td (fset by commissions ceded in the individual disability product line related to the fourth quarter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.60 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.33 171.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.33 171.60 Td ( reinsurance agreement. ) Tj ET Q q 0 0 0 rg BT 180.37 171.60 Td (The deferral of acquisition costs increased relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.73 171.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.73 171.60 Td ( due primarily to sales growth in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td (voluntary benefits and dental and vision product lines. ) Tj ET Q q 0 0 0 rg BT 271.12 159.60 Td (Amortization of deferred acquisition costs increased year over year due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (to growth in the level of the deferred asset and less favorable persistency in our individual disability product line. Our other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.60 Td (expense ratio improved relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.62 135.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.62 135.60 Td ( due to growth in premium income as well as expense allowances received related to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.60 Td (individual disability product line reinsurance agreement and our continued focus on expense management and operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (ef) Tj ET Q q 0 0 0 rg BT 57.09 111.60 Td (ficiencies.) Tj ET Q endstream endobj 137 0 obj <> endobj 138 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (64) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 61.50 735.75 Td (Sales) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 674.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 674.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 674.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 674.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 674.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 674.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 674.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 674.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 674.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 674.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 646.25 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393.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 395.25 m 459 395.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 393.25 m 567 393.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 395.25 m 567 395.25 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 706.81 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 692.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.20 692.82 Td (Y) Tj ET Q q 0 0 0 rg BT 388.92 692.82 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 678.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.50 678.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.80 678.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.50 678.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.80 678.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.50 678.82 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 664.93 Td (Sales by Pr) Tj ET Q q 0 0 0 rg BT 100.19 664.93 Td 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324.65 622.82 Td (138.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.95 622.82 Td (\(14.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.80 622.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 622.82 Td (162.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.65 622.82 Td (41.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 622.82 Td (1) Tj ET Q q 0 0 0 rg BT 545.65 622.82 Td (14.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 608.82 Td (Group Life and ) Tj ET Q q 0 0 0 rg BT 122.37 608.82 Td (AD&D) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 608.82 Td (282.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.95 608.82 Td (\(9.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.80 608.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 608.82 Td (310.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.65 608.82 Td (15.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 608.82 Td (270.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.50 594.82 Td (Subtotal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 594.82 Td (664.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.95 594.82 Td (\(6.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.80 594.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 594.82 Td (713.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.65 594.82 Td (18.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 594.82 Td (602.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 580.82 Td (Supplemental and ) Tj ET Q q 0 0 0 rg BT 126.84 580.82 Td (V) Tj ET Q q 0 0 0 rg BT 133.33 580.82 Td (oluntary) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 566.82 Td (Individual Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.65 566.82 Td (77.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.25 566.82 Td (13.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.65 566.82 Td (67.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 566.82 Td (4.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 566.82 Td (65.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 552.82 Td (V) Tj ET Q q 0 0 0 rg BT 65.08 552.82 Td (oluntary Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 552.82 Td (303.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.25 552.82 Td (3.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 552.82 Td (292.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.65 552.82 Td (1) Tj ET Q q 0 0 0 rg BT 491.65 552.82 Td (1.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 552.82 Td (261.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 538.82 Td (Dental and ) Tj ET Q q 0 0 0 rg BT 104.50 538.82 Td (V) Tj ET Q q 0 0 0 rg BT 111.33 538.82 Td (ision) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.65 538.82 Td (69.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.25 538.82 Td (26.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.65 538.82 Td (54.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.85 538.82 Td (N.M) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 538.82 Td (14.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.50 524.82 Td (Subtotal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 524.82 Td (449.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.25 524.82 Td (8.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 524.82 Td (415.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.65 524.82 Td (21.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 524.82 Td (341.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 510.93 Td (T) Tj ET Q q 0 0 0 rg BT 58.71 510.93 Td (otal Sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 510.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.10 510.82 Td (1,1) Tj ET Q q 0 0 0 rg BT 329.60 510.82 Td (14.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.95 510.82 Td (\(1.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.80 510.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.50 510.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.10 510.82 Td (1,129.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.65 510.82 Td (19.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.50 510.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 510.82 Td (943.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 482.93 Td (Sales by Market Sector) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 468.82 Td (Group Disability and Group Life and ) Tj ET Q q 0 0 0 rg BT 203.30 468.82 Td (AD&D) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 454.82 Td (Core Market \(< 2,000 employees\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 454.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 454.82 Td (395.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.95 454.82 Td (\(5.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.80 454.82 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.50 454.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 454.82 Td (416.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.65 454.82 Td (10.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.15 454.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.50 454.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 454.82 Td (378.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 440.82 Td (Lar) Tj ET Q q 0 0 0 rg BT 72.20 440.82 Td (ge Case Market) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 440.82 Td (269.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.95 440.82 Td (\(9.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.80 440.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 440.82 Td (296.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.65 440.82 Td (32.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 440.82 Td (224.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.50 426.82 Td (Subtotal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 426.82 Td (664.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.95 426.82 Td (\(6.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.80 426.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 426.82 Td (713.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.65 426.82 Td (18.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 426.82 Td (602.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 412.82 Td (Supplemental and ) Tj ET Q q 0 0 0 rg BT 126.75 412.82 Td (V) Tj ET Q q 0 0 0 rg BT 132.68 412.82 Td (oluntary) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 412.82 Td (449.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.25 412.82 Td (8.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 412.82 Td (415.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.65 412.82 Td (21.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 412.82 Td (341.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 398.93 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 398.93 Td (otal Sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 398.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.10 398.82 Td (1,1) Tj ET Q q 0 0 0 rg BT 329.60 398.82 Td (14.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.95 398.82 Td (\(1.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.80 398.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.50 398.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.10 398.82 Td (1,129.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.65 398.82 Td (19.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.50 398.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 398.82 Td (943.8) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 370.81 Td (N.M. = not a meaningful per) Tj ET Q q 0 0 0 rg BT 167.48 370.81 Td (centage) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 63 341.4169921875 m 190.55859375 341.4169921875 l s q 0 0 0 rg BT 63.00 342.75 Td (Y) Tj ET Q q 0 0 0 rg BT 69.22 342.75 Td (ear Ended December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 190.55859375 341.4169921875 m 257.306640625 341.4169921875 l s q 0 0 0 rg BT 190.56 342.75 Td ( Compared with ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 257.306640625 341.4169921875 m 384.6796875 341.4169921875 l s q 0 0 0 rg BT 257.12 342.75 Td (Y) Tj ET Q q 0 0 0 rg BT 263.34 342.75 Td (ear Ended December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.68 342.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 318.75 Td (Group sales decreased compared to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.61 318.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.61 318.75 Td ( due to lower sales to new and existing customers in both the core market segment, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 306.75 Td (which we define as employee groups with fewer than 2,000 employees, and in the lar) Tj ET Q q 0 0 0 rg BT 390.33 306.75 Td (ge case market segment. ) Tj ET Q q 0 0 0 rg BT 492.88 306.75 Td (The sales mix in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 294.75 Td (the group market sector for) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.85 294.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.85 294.75 Td (was ) Tj ET Q q 0 0 0 rg BT 201.40 294.75 Td (approximately ) Tj ET Q q 0 0 0 rg BT 261.66 294.75 Td (59 ) Tj ET Q q 0 0 0 rg BT 274.16 294.75 Td (percentcore ) Tj ET Q q 0 0 0 rg BT 325.79 294.75 Td (market ) Tj ET Q q 0 0 0 rg BT 356.05 294.75 Td (and41 ) Tj ET Q q 0 0 0 rg BT 385.49 294.75 Td (percentlar) Tj ET Q q 0 0 0 rg BT 427.78 294.75 Td (ge ) Tj ET Q q 0 0 0 rg BT 439.72 294.75 Td (case ) Tj ET Q q 0 0 0 rg BT 459.43 294.75 Td (market.) Tj ET Q /GS0 gs q 2.50 0 0 10.09 489.69 292.59 cm /I17 Do Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 270.75 Td (Individual disability sales, which are primarily concentrated in the multi-life market, increased compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.68 270.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.68 270.75 Td ( due to higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 258.75 Td (sales to both new and existing customers. ) Tj ET Q q 0 0 0 rg BT 220.13 258.75 Td (V) Tj ET Q q 0 0 0 rg BT 226.06 258.75 Td (oluntary benefits sales increased compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.43 258.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.43 258.75 Td (, primarily driven by higher sales ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 246.75 Td (to existing customers in both the core and lar) Tj ET Q q 0 0 0 rg BT 229.28 246.75 Td (ge case markets, partially of) Tj ET Q q 0 0 0 rg BT 341.55 246.75 Td (fset by lower sales to new customers in the lar) Tj ET Q q 0 0 0 rg BT 526.04 246.75 Td (ge case ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 234.75 Td (market. Dental and vision sales increased compared to 2017 driven by higher sales to both new and existing customers resulting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 222.75 Td (from our continued expansion.) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 63 197.4169921875 m 190.55859375 197.4169921875 l s q 0 0 0 rg BT 63.00 198.75 Td (Y) Tj ET Q q 0 0 0 rg BT 69.22 198.75 Td (ear Ended December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 190.55859375 197.4169921875 m 257.306640625 197.4169921875 l s q 0 0 0 rg BT 190.56 198.75 Td ( Compared with ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 257.306640625 197.4169921875 m 384.6796875 197.4169921875 l s q 0 0 0 rg BT 257.12 198.75 Td (Y) Tj ET Q q 0 0 0 rg BT 263.34 198.75 Td (ear Ended December 31, 2016) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 174.75 Td (Group sales increased compared to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.95 174.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.95 174.75 Td ( due to higher sales to new customers in both the core market segment and in the lar) Tj ET Q q 0 0 0 rg BT 547.50 174.75 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 162.75 Td (case market segment. ) Tj ET Q q 0 0 0 rg BT 140.12 162.75 Td (The sales mix in the group market sector for) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.78 162.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.78 162.75 Td (was approximately 58 percentcore market and42 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 150.75 Td (percentlar) Tj ET Q q 0 0 0 rg BT 91.79 150.75 Td (ge ) Tj ET Q q 0 0 0 rg BT 103.73 150.75 Td (case ) Tj ET Q q 0 0 0 rg BT 123.44 150.75 Td (market.) Tj ET Q /GS0 gs q 2.50 0 0 10.09 153.70 148.59 cm /I18 Do Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 126.75 Td (Individual disability sales increased compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.22 126.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.22 126.75 Td ( due to higher sales to new customers. ) Tj ET Q q 0 0 0 rg BT 424.23 126.75 Td (V) Tj ET Q q 0 0 0 rg BT 430.16 126.75 Td (oluntary benefits sales increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 114.75 Td (compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.70 114.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.70 114.75 Td (, primarily driven by higher sales in both the core and lar) Tj ET Q q 0 0 0 rg BT 349.23 114.75 Td (ge case markets. ) Tj ET Q q 0 0 0 rg BT 419.48 114.75 Td (Also contributing to supplemental ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 102.75 Td (and voluntary sales in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.48 102.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.48 102.75 Td ( compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.18 102.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.18 102.75 Td ( were higher sales of the dental and vision products resulting from the Starmount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 90.75 Td (acquisition in the third quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.91 90.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.91 90.75 Td (.) Tj ET Q endstream endobj 139 0 obj <> endobj 140 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (65) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 61.50 735.75 Td (Segment Outlook) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 711.75 Td (e remain committed to of) Tj ET Q q 0 0 0 rg BT 159.04 711.75 Td (fering consumers a broad set of financial protection benefit products at the worksite. During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.25 711.75 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.25 711.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.75 Td (we will continue to invest in a unique customer experience defined by simplicity) Tj ET Q q 0 0 0 rg BT 371.54 699.75 Td (, empathy) Tj ET Q q 0 0 0 rg BT 410.33 699.75 Td (, and deep industry expertise through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.75 Td (the re-design of our processes and the increased utilization of digital capabilities and technology to enhance enrollment, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.75 Td (underwriting, and claims processing. ) Tj ET Q q 0 0 0 rg BT 201.79 675.75 Td (W) Tj ET Q q 0 0 0 rg BT 210.42 675.75 Td (e will continue to focus on the expansion of products, which includes dental and vision, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.75 Td (medical stop-loss, and leave management services, while also introducing new voluntary benefits products. ) Tj ET Q q 0 0 0 rg BT 483.00 663.75 Td (Additionally) Tj ET Q q 0 0 0 rg BT 532.90 663.75 Td (, we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.75 Td (will focus on client expansion, consumer engagement, and collaborative partnerships, all underpinned by strong risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.75 Td (management. ) Tj ET Q q 0 0 0 rg BT 107.91 639.75 Td (W) Tj ET Q q 0 0 0 rg BT 116.55 639.75 Td (e believe our active client management and dif) Tj ET Q q 0 0 0 rg BT 303.23 639.75 Td (ferentiated integrated customer experience across our product ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.75 Td (lines will continue to enable us to grow our market.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 603.75 Td (e anticipate stable adjusted operating income growth in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.40 603.75 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.40 603.75 Td (, with disciplined sales and premium growth, consistent risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.75 Td (management, and improving operational ef) Tj ET Q q 0 0 0 rg BT 221.76 591.75 Td (ficiency) Tj ET Q q 0 0 0 rg BT 253.31 591.75 Td (. ) Tj ET Q q 0 0 0 rg BT 260.63 591.75 Td (W) Tj ET Q q 0 0 0 rg BT 269.27 591.75 Td (e believe our underlying profitability will remain strong throughout the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.75 Td (year) Tj ET Q q 0 0 0 rg BT 66.31 579.75 Td (, driven primarily by our continued product mix shift, expense ef) Tj ET Q q 0 0 0 rg BT 325.51 579.75 Td (ficiencies, and consistent operating ef) Tj ET Q q 0 0 0 rg BT 476.10 579.75 Td (fectiveness. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.75 Td (The low interest rate environment continues to place pressure on our profit mar) Tj ET Q q 0 0 0 rg BT 366.44 555.75 Td (gins by impacting net investment income yields ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.75 Td (as well as discount rates on our insurance liabilities. Our net investment income may be unfavorably impacted by fluctuations in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.75 Td (miscellaneous investment income and lower asset levels resulting from improved capital ef) Tj ET Q q 0 0 0 rg BT 413.93 531.75 Td (ficiency) Tj ET Q q 0 0 0 rg BT 445.49 531.75 Td (. ) Tj ET Q q 0 0 0 rg BT 452.43 531.75 Td (As part of our continued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.75 Td (pricing discipline and our reserving methodology) Tj ET Q q 0 0 0 rg BT 246.31 519.75 Td (, we continuously monitor emer) Tj ET Q q 0 0 0 rg BT 373.60 519.75 Td (ging interest rate experience and adjust our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.75 Td (pricing and reserve discount rates, as appropriate. ) Tj ET Q q 0 0 0 rg BT 252.58 507.75 Td (W) Tj ET Q q 0 0 0 rg BT 261.21 507.75 Td (e expect that our underwriting results in 2019 will continue at a level ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.75 Td (generally consistent with 2018. ) Tj ET Q q 0 0 0 rg BT 179.29 495.75 Td (W) Tj ET Q q 0 0 0 rg BT 187.93 495.75 Td (e continuously monitor key indicators to assess our risks and attempt to adjust our business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.75 Td (plans accordingly) Tj ET Q q 0 0 0 rg BT 119.66 483.75 Td (.) Tj ET Q endstream endobj 141 0 obj <> endobj 142 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (66) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 735.75 Td (Unum International Segment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (The Unum International segment is comprised of our operations in both the United Kingdom and Poland and includes insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.75 Td (for group long-term disability) Tj ET Q q 0 0 0 rg BT 168.00 699.75 Td (, group life, and supplemental lines of business which include dental, individual disability) Tj ET Q q 0 0 0 rg BT 526.45 699.75 Td (, critical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.75 Td (illness, and our Unum Poland products. Unum International's products are sold primarily through field sales personnel and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.75 Td (independent brokers and consultants. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 61.50 654.75 Td (Operating Results) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 633.75 Td (Shown below are financial results and key performance indicators for the Unum International segment. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 583.25 238.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.00 583.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.00 583.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 583.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 583.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 583.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 583.25 12.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 583.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 583.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.00 583.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 555.25 238.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.00 555.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.00 555.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 555.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 555.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 555.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 555.25 12.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 555.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 555.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.00 555.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 527.25 238.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.00 527.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.00 527.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 527.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 527.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 527.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 527.25 12.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 527.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 527.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.00 527.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 499.25 238.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.00 499.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.00 499.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 499.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 499.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 499.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 499.25 12.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 499.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 499.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.00 499.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 471.25 238.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.00 471.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.00 471.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 471.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 471.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 471.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 471.25 12.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 471.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 471.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.00 471.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 446.25 238.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.00 446.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.00 446.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 446.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 446.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 446.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 446.25 12.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 446.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 446.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.00 446.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 418.25 238.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.00 418.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.00 418.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 418.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 418.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 418.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 418.25 12.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 418.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 418.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.00 418.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 390.25 238.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.00 390.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.00 390.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 390.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 390.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 390.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 390.25 12.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 390.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 390.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.00 390.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 362.25 238.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.00 362.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.00 362.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 362.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 362.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 362.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 362.25 12.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 362.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 362.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.00 362.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 337.25 238.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.00 337.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.00 337.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 337.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 337.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 337.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 337.25 12.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.00 337.25 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 337.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.00 337.25 51.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288 597.25 m 339 597.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339 597.25 m 343 597.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343 597.25 m 394 597.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394 597.25 m 398 597.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 597.25 m 449 597.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 597.25 m 461 597.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461 597.25 m 512 597.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 597.25 m 516 597.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516 597.25 m 567 597.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288 583.25 m 339 583.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343 583.25 m 394 583.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 597.25 m 449 597.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 583.25 m 449 583.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461 597.25 m 512 597.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461 583.25 m 512 583.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516 597.25 m 567 597.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516 583.25 m 567 583.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288 513.25 m 339 513.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 513.25 m 449 513.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516 513.25 m 567 513.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288 471.25 m 339 471.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 471.25 m 449 471.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516 471.25 m 567 471.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288 457.25 m 339 457.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 471.25 m 449 471.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 457.25 m 449 457.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516 471.25 m 567 471.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516 457.25 m 567 457.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288 362.25 m 339 362.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 362.25 m 449 362.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516 362.25 m 567 362.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288 348.25 m 339 348.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 362.25 m 449 362.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 348.25 m 449 348.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516 362.25 m 567 362.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516 348.25 m 567 348.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288 324.25 m 339 324.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288 322.25 m 339 322.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 324.25 m 449 324.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 322.25 m 449 322.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516 324.25 m 567 324.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516 322.25 m 567 322.25 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 613.81 Td (\(in millions of dollars, except ratios\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 600.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.70 600.82 Td (Y) Tj ET Q q 0 0 0 rg BT 382.42 600.82 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 587.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.00 587.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.30 587.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.00 587.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.30 587.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.00 587.82 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 573.98 Td (Adjusted Operating Revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 559.82 Td (Premium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 545.82 Td (Group Long-term Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.50 545.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.65 545.82 Td (358.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.65 545.82 Td (5.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.15 545.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 545.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.65 545.82 Td (340.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.95 545.82 Td (\(4.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 545.82 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.50 545.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 545.82 Td (355.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 531.82 Td (Group Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.65 531.82 Td (1) Tj ET Q q 0 0 0 rg BT 317.65 531.82 Td (10.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.65 531.82 Td (7.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.65 531.82 Td (103.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.95 531.82 Td (\(2.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 531.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 531.82 Td (105.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 517.82 Td (Supplemental) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.65 517.82 Td (99.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.65 517.82 Td (42.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 517.82 Td (69.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.25 517.82 Td (1.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 517.82 Td (68.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 503.82 Td (T) Tj ET Q q 0 0 0 rg BT 58.26 503.82 Td (otal Premium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.65 503.82 Td (568.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.65 503.82 Td (10.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.65 503.82 Td (513.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.95 503.82 Td (\(3.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 503.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 503.82 Td (529.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 489.82 Td (Net Investment Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.65 489.82 Td (1) Tj ET Q q 0 0 0 rg BT 317.65 489.82 Td (17.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.30 489.87 Td (\(2.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.15 489.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.65 489.82 Td (120.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.25 489.82 Td (1.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 489.82 Td (1) Tj ET Q q 0 0 0 rg BT 545.65 489.82 Td (18.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 475.82 Td (Other Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.65 475.82 Td (0.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.30 475.87 Td (\(42.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.15 475.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 475.82 Td (0.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.35 475.82 Td (N.M.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 475.82 Td (0.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 461.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 461.98 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.65 461.82 Td (686.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.65 461.82 Td (8.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.65 461.82 Td (633.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.95 461.82 Td (\(2.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 461.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 461.82 Td (647.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 436.98 Td (Benefits and Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 422.82 Td (Benefits and Change in Reserves for Future Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.65 422.82 Td (419.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.65 422.82 Td (9.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.65 422.82 Td (381.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.25 422.82 Td (3.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 422.82 Td (367.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 408.82 Td (Commissions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.65 408.82 Td (39.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.65 408.82 Td (10.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 408.82 Td (35.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.95 408.82 Td (\(8.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 408.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 408.82 Td (38.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 394.82 Td (Deferral of ) Tj ET Q q 0 0 0 rg BT 98.86 394.82 Td (Acquisition Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.30 394.87 Td (\(8.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.15 394.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.65 394.82 Td (15.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.30 394.87 Td (\(7.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.15 394.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.95 394.82 Td (\(14.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 394.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.30 394.82 Td (\(8.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 394.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 380.82 Td (Amortization of Deferred ) Tj ET Q q 0 0 0 rg BT 156.90 380.82 Td (Acquisition Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.65 380.82 Td (8.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.30 380.87 Td (\(9.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.15 380.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 380.82 Td (9.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.95 380.82 Td (\(6.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 380.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 380.82 Td (9.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 366.82 Td (Other Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.65 366.82 Td (1) Tj ET Q q 0 0 0 rg BT 317.65 366.82 Td (13.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.65 366.82 Td (10.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.65 366.82 Td (102.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.95 366.82 Td (\(7.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 366.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 366.82 Td (1) Tj ET Q q 0 0 0 rg BT 545.65 366.82 Td (1) Tj ET Q q 0 0 0 rg BT 550.65 366.82 Td (1.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 352.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 352.98 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.65 352.82 Td (572.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.65 352.82 Td (9.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.65 352.82 Td (522.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.25 352.82 Td (0.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 352.82 Td (519.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 327.98 Td (AdjustedOperating Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.50 327.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.65 327.82 Td (1) Tj ET Q q 0 0 0 rg BT 317.65 327.82 Td (13.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.65 327.82 Td (2.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 327.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.65 327.82 Td (1) Tj ET Q q 0 0 0 rg BT 427.65 327.82 Td (1) Tj ET Q q 0 0 0 rg BT 432.65 327.82 Td (1.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.95 327.82 Td (\(13.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.80 327.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.50 327.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 327.82 Td (128.6) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 302.81 Td (N.M. = not a meaningful per) Tj ET Q q 0 0 0 rg BT 167.48 302.81 Td (centage) Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 61.50 283.75 Td (Foreign Currency T) Tj ET Q q 0 0 0 rg BT 144.47 283.75 Td (ranslation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 259.75 Td (The functional currency of Unum UK and Unum Poland is the British pound sterling and the Polish zloty) Tj ET Q q 0 0 0 rg BT 470.17 259.75 Td (, respectively) Tj ET Q q 0 0 0 rg BT 522.83 259.75 Td (. Unum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 247.75 Td (UK's and Unum Poland's premium income, net investment income, claims, and expenses are received or paid in the functional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 235.75 Td (currency) Tj ET Q q 0 0 0 rg BT 83.83 235.75 Td (, and we hold functional currency-denominated assets to support Unum UK's and Unum Poland's functional currency-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 223.75 Td (denominated policy reserves and liabilities. ) Tj ET Q q 0 0 0 rg BT 227.88 223.75 Td (W) Tj ET Q q 0 0 0 rg BT 236.52 223.75 Td (e translate Unum UK's and Unum Poland's functional currency-denominated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 211.75 Td (financial statement items into dollars for our consolidated financial reporting. ) Tj ET Q q 0 0 0 rg BT 364.23 211.75 Td (W) Tj ET Q q 0 0 0 rg BT 372.86 211.75 Td (e translate income statement items using an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 199.75 Td (average exchange rate for the reporting period, and we translate balance sheet items using the exchange rate at the end of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 187.75 Td (period. ) Tj ET Q q 0 0 0 rg BT 82.37 187.75 Td (W) Tj ET Q q 0 0 0 rg BT 91.00 187.75 Td (e report unrealized foreign currency translation gains and losses in accumulated other comprehensive income in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 175.75 Td (consolidated balance sheets. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 163.75 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 151.75 Td (Fluctuations in exchange rates have an ef) Tj ET Q q 0 0 0 rg BT 214.26 151.75 Td (fect on Unum UK's and Unum Poland's reported financial results and our consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 139.75 Td (financial results. In periods when the functional currency strengthens relative to the preceding period, translation increases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 127.75 Td (current period results relative to the prior period. In periods when the functional currency weakens, translation decreases current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 115.75 Td (period results relative to the prior period. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 61.50 87.75 Td (Goodwill) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 63.75 Td (e had total goodwill of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.17 63.75 Td ($42.6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.07 63.75 Td ( for the Unum International segment at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.07 63.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.66 63.75 Td (, none of which is currently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 51.75 Td (believed to be at risk for future impairment.) Tj ET Q endstream endobj 143 0 obj <> endobj 144 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (67) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 735.75 Td (Unum UK Operating Results) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (Shown below are financial results and key performance indicators for the Unum UK product lines.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 650.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 650.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 650.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 650.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 650.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 650.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 650.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 650.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 650.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 650.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 622.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 622.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 622.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 622.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 622.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 622.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 622.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 622.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 622.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 622.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 594.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 594.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 594.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 594.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 594.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 594.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 594.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 594.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 594.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 594.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 566.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 566.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 566.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 566.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 566.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 566.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 566.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 566.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 566.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 566.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 538.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 538.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 538.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 538.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 538.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 538.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 538.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 538.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 538.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 538.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 510.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 510.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 510.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 510.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 510.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 510.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 510.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 510.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 510.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 510.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 482.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 482.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 482.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 482.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 482.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 482.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 482.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 482.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 482.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 482.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 454.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 454.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 454.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 454.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 454.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 454.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 454.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 454.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 454.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 454.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 426.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 426.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 426.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 426.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 426.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 426.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 426.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 426.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 426.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 426.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 398.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 398.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 398.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 398.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 398.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 398.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 398.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 398.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 398.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 398.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 370.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 370.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 370.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 370.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 370.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 370.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 370.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 370.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 370.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 370.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 342.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 342.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 342.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 342.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 342.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 342.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 342.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 342.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 342.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 342.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 314.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 314.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 314.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 314.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 314.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 314.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 314.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 314.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 314.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 314.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 286.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 286.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 286.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 286.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 286.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 286.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 286.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 286.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 286.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 286.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 258.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 258.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 258.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 258.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 258.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 258.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 258.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 258.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 258.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 258.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 230.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 230.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 230.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 230.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 230.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 230.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 230.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 230.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 230.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 230.25 50.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 664.25 m 351 664.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351 664.25 m 355 664.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355 664.25 m 405 664.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405 664.25 m 409 664.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 664.25 m 459 664.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459 664.25 m 463 664.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463 664.25 m 513 664.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 664.25 m 517 664.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 664.25 m 567 664.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 650.25 m 351 650.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355 650.25 m 405 650.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 664.25 m 459 664.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 650.25 m 459 650.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463 664.25 m 513 664.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463 650.25 m 513 650.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 664.25 m 567 664.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 650.25 m 567 650.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 580.25 m 351 580.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 580.25 m 459 580.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 580.25 m 567 580.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 538.25 m 351 538.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 538.25 m 459 538.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 538.25 m 567 538.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 524.25 m 351 524.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 538.25 m 459 538.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 524.25 m 459 524.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 538.25 m 567 538.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 524.25 m 567 524.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 426.25 m 351 426.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 426.25 m 459 426.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 426.25 m 567 426.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 412.25 m 351 412.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 426.25 m 459 426.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 412.25 m 459 412.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 426.25 m 567 426.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 412.25 m 567 412.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 385.25 m 351 385.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 383.25 m 351 383.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 385.25 m 459 385.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 383.25 m 459 383.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 385.25 m 567 385.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 383.25 m 567 383.25 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 682.81 Td (\(in millions of pounds, except ratios\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 668.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.20 668.82 Td (Y) Tj ET Q q 0 0 0 rg BT 388.92 668.82 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 654.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.50 654.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.80 654.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.50 654.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.80 654.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.50 654.82 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 640.98 Td (Adjusted Operating Revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 626.82 Td (Premium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 612.82 Td (Group Long-term Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 612.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.65 612.82 Td (269.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.65 612.82 Td (1.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 612.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.50 612.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 612.82 Td (264.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 612.82 Td (0.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.15 612.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.50 612.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 612.82 Td (262.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 598.82 Td (Group Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 598.82 Td (83.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.65 598.82 Td (3.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 598.82 Td (80.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 598.82 Td (2.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 598.82 Td (78.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 584.82 Td (Supplemental) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 584.82 Td (61.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.65 584.82 Td (13.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 584.82 Td (53.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 584.82 Td (6.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 584.82 Td (50.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 570.82 Td (T) Tj ET Q q 0 0 0 rg BT 58.26 570.82 Td (otal Premium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.65 570.82 Td (413.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.65 570.82 Td (3.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 570.82 Td (397.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 570.82 Td (1.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 570.82 Td (390.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 556.82 Td (Net Investment Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 556.82 Td (86.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.30 556.87 Td (\(7.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 556.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 556.82 Td (93.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 556.82 Td (6.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 556.82 Td (87.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 542.82 Td (Other Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.15 542.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.30 542.87 Td (\(100.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 542.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.65 542.82 Td (0.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.35 542.82 Td (N.M.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 542.82 Td (0.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 528.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.71 528.98 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.65 528.82 Td (499.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.65 528.82 Td (1.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 528.82 Td (491.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 528.82 Td (2.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 528.82 Td (477.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 500.98 Td (Benefits and Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 486.82 Td (Benefits and Change in Reserves for Future Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.65 486.82 Td (307.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.65 486.82 Td (3.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 486.82 Td (296.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 486.82 Td (9.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 486.82 Td (270.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 472.82 Td (Commissions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 472.82 Td (27.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.30 472.87 Td (\(1.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 472.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 472.82 Td (27.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 472.87 Td (\(4.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.15 472.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 472.82 Td (28.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 458.82 Td (Deferral of ) Tj ET Q q 0 0 0 rg BT 98.86 458.82 Td (Acquisition Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.30 458.87 Td (\(5.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 458.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.30 458.87 Td (\(7.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 458.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.30 458.87 Td (\(5.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 458.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.30 458.87 Td (\(1) Tj ET Q q 0 0 0 rg BT 491.63 458.87 Td (1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.15 458.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 458.87 Td (\(6.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 458.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 444.82 Td (Amortization of Deferred ) Tj ET Q q 0 0 0 rg BT 156.90 444.82 Td (Acquisition Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.65 444.82 Td (6.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.30 444.87 Td (\(12.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 444.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.65 444.82 Td (7.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 444.87 Td (\(2.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.15 444.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 444.82 Td (7.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 430.82 Td (Other Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 430.82 Td (80.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.65 430.82 Td (0.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 430.82 Td (79.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 430.87 Td (\(3.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.15 430.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 430.82 Td (82.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 416.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.71 416.98 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.65 416.82 Td (415.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.65 416.82 Td (2.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 416.82 Td (405.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 416.82 Td (5.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 416.82 Td (383.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 388.98 Td (Adjusted Operating Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 388.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 388.82 Td (84.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.30 388.87 Td (\(3.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 388.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.50 388.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 388.82 Td (86.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 388.87 Td (\(8.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.15 388.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.50 388.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 388.82 Td (94.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 360.82 Td (W) Tj ET Q q 0 0 0 rg BT 61.54 360.82 Td (eighted ) Tj ET Q q 0 0 0 rg BT 92.80 360.82 Td (A) Tj ET Q q 0 0 0 rg BT 99.37 360.82 Td (verage Pound/Dollar Exchange Rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.65 360.82 Td (1.336) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 360.82 Td (1.290) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 360.82 Td (1.357) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 332.82 Td (Operating Ratios \(% of Premium Income\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 318.82 Td (Benefit Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 318.82 Td (74.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 318.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 318.82 Td (74.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 318.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 318.82 Td (69.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 318.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 304.82 Td (Other Expense Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 304.82 Td (19.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 304.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 304.82 Td (20.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 304.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 304.82 Td (21.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 304.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 290.82 Td (Adjusted Operating Income Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 290.82 Td (20.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 290.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 290.82 Td (21.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 290.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 290.82 Td (24.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 290.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 262.82 Td (Persistency:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 248.82 Td (Group Long-term Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 248.82 Td (87.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 248.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 248.82 Td (87.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 248.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 248.82 Td (89.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 248.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 234.82 Td (Group Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 234.82 Td (88.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 234.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 234.82 Td (84.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 234.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 234.82 Td (81.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 234.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 220.82 Td (Supplemental) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 220.82 Td (93.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 220.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 220.82 Td (91.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 220.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 220.82 Td (89.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 220.82 Td (%) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 58.50 192.81 Td (N.M. = not a meaningful per) Tj ET Q q 0 0 0 rg BT 173.48 192.81 Td (centage) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 145 0 obj <> endobj 146 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (68) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 734.2669921875 m 116.474609375 734.2669921875 l s q 0 0 0 rg BT 67.50 735.60 Td (Y) Tj ET Q q 0 0 0 rg BT 73.72 735.60 Td (ear Ended ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 116.474609375 734.2669921875 m 195.05859375 734.2669921875 l s q 0 0 0 rg BT 116.47 735.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 195.05859375 734.2669921875 m 310.595703125 734.2669921875 l s q 0 0 0 rg BT 195.06 735.60 Td ( Compared with ) Tj ET Q q 0 0 0 rg BT 261.62 735.60 Td (Y) Tj ET Q q 0 0 0 rg BT 267.84 735.60 Td (ear Ended ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 310.595703125 734.2669921875 m 389.1796875 734.2669921875 l s q 0 0 0 rg BT 310.60 735.60 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.18 735.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (Premium income was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.65 711.60 Td (higher) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.20 711.60 Td ( compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.90 711.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.90 711.60 Td ( due primarily to growth in the in-force block driven by higher persistency and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (rate increases in our group long-term disability product line.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (Net investment income was lower compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.28 675.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.28 675.60 Td ( due primarily to a lower yield on our fixed-rate bonds, partially of) Tj ET Q q 0 0 0 rg BT 526.96 675.60 Td (fset by a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (higher level of invested assets and higher investment income from inflation index-linked bonds, which we invest in to support ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (the claim reserves associated with certain of our group policies that provide for inflation index-linked increases in benefits. ) Tj ET Q q 0 0 0 rg BT 546.38 651.60 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (increase in net investment income attributable to these index-linked bonds was of) Tj ET Q q 0 0 0 rg BT 375.06 639.60 Td (fset by an increase in the reserves for future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (claims payments related to inflation index-linked group long-term disability and group life policies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (Benefits experience was consistent with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.95 603.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.95 603.60 Td ( as favorable claims recoveries in our group long-term disability product line were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 591.60 Td (fset by unfavorable claims activity in our group life and supplemental product lines and the impact of inflation-linked increases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (in benefits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (Commissions and the deferral of acquisition costs were lower relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.37 555.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.37 555.60 Td ( driven by lower sales. ) Tj ET Q q 0 0 0 rg BT 456.44 555.60 Td (The amortization of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (acquisition costs was lower in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.98 543.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.98 543.60 Td ( compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.68 543.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.68 543.60 Td ( due to a decline in the deferred asset. ) Tj ET Q q 0 0 0 rg BT 422.27 543.60 Td (The other expense ratio was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.95 543.60 Td (lower) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.71 543.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.26 531.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.26 531.60 Td ( due to higher premiums and our continued focus on expense management and operating ef) Tj ET Q q 0 0 0 rg BT 476.97 531.60 Td (ficiencies.) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 506.2669921875 m 116.474609375 506.2669921875 l s q 0 0 0 rg BT 67.50 507.60 Td (Y) Tj ET Q q 0 0 0 rg BT 73.72 507.60 Td (ear Ended ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 116.474609375 506.2669921875 m 195.05859375 506.2669921875 l s q 0 0 0 rg BT 116.47 507.60 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 195.05859375 506.2669921875 m 310.595703125 506.2669921875 l s q 0 0 0 rg BT 195.06 507.60 Td ( Compared with ) Tj ET Q q 0 0 0 rg BT 261.62 507.60 Td (Y) Tj ET Q q 0 0 0 rg BT 267.84 507.60 Td (ear Ended ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 310.595703125 506.2669921875 m 389.1796875 506.2669921875 l s q 0 0 0 rg BT 310.60 507.60 Td (December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.18 507.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (Premium income was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.65 483.60 Td (higher) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.20 483.60 Td ( compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.90 483.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.90 483.60 Td ( due primarily to growth in the in-force block, resulting from sales growth and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (stable persistency) Tj ET Q q 0 0 0 rg BT 119.66 471.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (Net investment income increased compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.21 447.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.21 447.60 Td ( due primarily to higher investment income from inflation index-linked ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (bonds and the growth in the level of invested assets, partially of) Tj ET Q q 0 0 0 rg BT 304.26 435.60 Td (fset by a decline in yield on our fixed-rate bonds. ) Tj ET Q q 0 0 0 rg BT 505.69 435.60 Td (The increase in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (net investment income attributable to these index-linked bonds was mostly of) Tj ET Q q 0 0 0 rg BT 359.26 423.60 Td (fset by an increase in the reserves for future claims ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (payments related to the inflation index-linked group long-term disability and group life policies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (Overall benefits experience was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.99 387.60 Td (unfavorable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.75 387.60 Td ( compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.45 387.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.45 387.60 Td ( due primarily to a higher average claim size and unfavorable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (claim incidence in our group long-term disability product line, partially of) Tj ET Q q 0 0 0 rg BT 345.63 375.60 Td (fset by favorable claim incidence in our group life ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (product line. ) Tj ET Q q 0 0 0 rg BT 104.49 363.60 Td (Also contributing to the less favorable benefits experience was the impact of inflation-linked increases in benefits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (and an 80 basis point decrease in the discount rate on new claim incurrals implemented in the first quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.03 351.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.03 351.60 Td ( across several ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (of our products.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (Commissions were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.39 315.60 Td (lower) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.16 315.60 Td ( compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.86 315.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.86 315.60 Td ( due to certain commissions costs in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.78 315.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.78 315.60 Td ( that did not recur in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 315.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.65 315.60 Td (. ) Tj ET Q q 0 0 0 rg BT 503.97 315.60 Td (The deferral of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (acquisition costs was lower compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.90 303.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.90 303.60 Td ( due to lower deferrable commissions and operating expenses. ) Tj ET Q q 0 0 0 rg BT 487.26 303.60 Td (The amortization of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (acquisition costs was lower in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.98 291.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.98 291.60 Td ( compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.68 291.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.68 291.60 Td ( due to a decline in the deferred asset. ) Tj ET Q q 0 0 0 rg BT 422.27 291.60 Td (The other expense ratio was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.95 291.60 Td (lower) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.71 291.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.26 279.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.26 279.60 Td ( due to higher premiums and our continued focus on expense management and operating ef) Tj ET Q q 0 0 0 rg BT 476.97 279.60 Td (ficiencies.) Tj ET Q endstream endobj 147 0 obj <> endobj 148 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (69) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 61.50 735.75 Td (Sales ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 674.25 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.00 674.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.00 674.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 674.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 674.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 674.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.00 674.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.00 674.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 674.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 674.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 646.25 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.00 646.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.00 646.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 646.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 646.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 646.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.00 646.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.00 646.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 646.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 646.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 618.25 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.00 618.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.00 618.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 618.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 618.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 618.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.00 618.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.00 618.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 618.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 618.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 590.25 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.00 590.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.00 590.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 590.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 590.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 590.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.00 590.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.00 590.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 590.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 590.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 562.25 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.00 562.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.00 562.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 562.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 562.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 562.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.00 562.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.00 562.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 562.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 562.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 534.25 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.00 534.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.00 534.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 534.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 534.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 534.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.00 534.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.00 534.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 534.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 534.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 506.25 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.00 506.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.00 506.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 506.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 506.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 506.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.00 506.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.00 506.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 506.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 506.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 478.25 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.00 478.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.00 478.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 478.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 478.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 478.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.00 478.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.00 478.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 478.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 478.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 450.25 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.00 450.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.00 450.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 450.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 450.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 450.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.00 450.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.00 450.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 450.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 450.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 422.25 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.00 422.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.00 422.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 422.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 422.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 422.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.00 422.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.00 422.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 422.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 422.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 394.25 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.00 394.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.00 394.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 394.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 394.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 394.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.00 394.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.00 394.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 394.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 394.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 366.25 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.00 366.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.00 366.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 366.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 366.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 366.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.00 366.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.00 366.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 366.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 366.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 338.25 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.00 338.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.00 338.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 338.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 338.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 338.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.00 338.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.00 338.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 338.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 338.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 310.25 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.00 310.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.00 310.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 310.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 310.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 310.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.00 310.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.00 310.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 310.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 310.25 50.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302 688.25 m 352 688.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352 688.25 m 356 688.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 688.25 m 406 688.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406 688.25 m 410 688.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 688.25 m 460 688.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 460 688.25 m 464 688.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464 688.25 m 514 688.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 688.25 m 518 688.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 688.25 m 568 688.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302 688.25 m 352 688.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302 674.25 m 352 674.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 674.25 m 406 674.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 688.25 m 460 688.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 674.25 m 460 674.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464 688.25 m 514 688.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464 674.25 m 514 674.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 688.25 m 568 688.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 674.25 m 568 674.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302 674.25 m 352 674.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 674.25 m 406 674.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 674.25 m 460 674.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464 674.25 m 514 674.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302 618.25 m 352 618.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302 605.25 m 352 605.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302 603.25 m 352 603.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 618.25 m 460 618.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 605.25 m 460 605.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 603.25 m 460 603.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 618.25 m 568 618.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 605.25 m 568 605.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 603.25 m 568 603.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302 534.25 m 352 534.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 534.25 m 460 534.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 534.25 m 568 534.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302 534.25 m 352 534.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 534.25 m 460 534.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 534.25 m 568 534.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302 506.25 m 352 506.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302 493.25 m 352 493.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302 491.25 m 352 491.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 506.25 m 460 506.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 493.25 m 460 493.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 491.25 m 460 491.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 506.25 m 568 506.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 493.25 m 568 493.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 491.25 m 568 491.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302 422.25 m 352 422.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 422.25 m 460 422.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 422.25 m 568 422.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302 422.25 m 352 422.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302 409.25 m 352 409.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302 407.25 m 352 407.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 422.25 m 460 422.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 409.25 m 460 409.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 407.25 m 460 407.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 422.25 m 568 422.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 409.25 m 568 409.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 407.25 m 568 407.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302 338.25 m 352 338.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 338.25 m 460 338.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 338.25 m 568 338.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302 338.25 m 352 338.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 338.25 m 460 338.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 338.25 m 568 338.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302 310.25 m 352 310.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 310.25 m 460 310.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 310.25 m 568 310.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302 310.25 m 352 310.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302 297.25 m 352 297.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302 295.25 m 352 295.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 310.25 m 460 310.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 297.25 m 460 297.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 295.25 m 460 295.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 310.25 m 568 310.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 297.25 m 568 297.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 295.25 m 568 295.25 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 706.81 Td (\(in millions of dollars and pounds\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.20 692.82 Td (Y) Tj ET Q q 0 0 0 rg BT 389.92 692.82 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 678.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.50 678.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.80 678.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.50 678.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.80 678.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.50 678.82 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 664.93 Td (Unum International Sales by Pr) Tj ET Q q 0 0 0 rg BT 188.53 664.93 Td (oduct) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 650.82 Td (Group Long-term Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.50 650.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 650.82 Td (44.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.95 650.82 Td (\(5.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.80 650.82 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.50 650.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.65 650.82 Td (47.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.95 650.82 Td (\(6.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.80 650.82 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.50 650.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 650.82 Td (50.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 636.82 Td (Group Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 636.82 Td (21.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.95 636.82 Td (\(1) Tj ET Q q 0 0 0 rg BT 381.28 636.82 Td (1.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.80 636.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.65 636.82 Td (24.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.25 636.82 Td (2.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 636.82 Td (23.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 622.82 Td (Supplemental) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 622.82 Td (20.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.25 622.82 Td (44.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.65 622.82 Td (14.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.25 622.82 Td (37.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 622.82 Td (10.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 608.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.71 608.98 Td (otal Sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.50 608.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 608.82 Td (87.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.25 608.82 Td (1.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 608.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.50 608.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.65 608.82 Td (85.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.25 608.82 Td (1.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.15 608.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.50 608.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 608.82 Td (84.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 580.93 Td (Unum International Sales by Market Sector) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 566.82 Td (Group Long-term Disability and Group Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.50 552.82 Td (Core Market \(< 500 employees\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.50 552.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 552.82 Td (36.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.25 552.82 Td (20.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 552.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.50 552.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.65 552.82 Td (30.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.95 552.82 Td (\(27.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.80 552.82 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.50 552.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 552.82 Td (42.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.50 538.82 Td (Lar) Tj ET Q q 0 0 0 rg BT 78.29 538.82 Td (ge Case Market) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 538.82 Td (29.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.95 538.82 Td (\(28.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.80 538.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.65 538.82 Td (41.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.25 538.82 Td (28.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 538.82 Td (32.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 524.82 Td (Subtotal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 524.82 Td (66.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.95 524.82 Td (\(7.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.80 524.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.65 524.82 Td (71.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.95 524.82 Td (\(3.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.80 524.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 524.82 Td (74.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 510.82 Td (Supplemental) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 510.82 Td (20.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.25 510.82 Td (44.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.65 510.82 Td (14.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.25 510.82 Td (37.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 510.82 Td (10.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 496.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.71 496.98 Td (otal Sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.50 496.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 496.82 Td (87.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.25 496.82 Td (1.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.50 496.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.65 496.82 Td (85.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.25 496.82 Td (1.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.50 496.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 496.82 Td (84.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 468.93 Td (Unum UK Sales by Pr) Tj ET Q q 0 0 0 rg BT 146.86 468.93 Td (oduct) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 454.82 Td (Group Long-term Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.50 454.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 454.82 Td (33.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.95 454.82 Td (\(8.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.80 454.82 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.50 454.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.65 454.82 Td (36.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.95 454.82 Td (\(1.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.80 454.82 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.50 454.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 454.82 Td (37.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 440.82 Td (Group Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 440.82 Td (16.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.95 440.82 Td (\(14.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.80 440.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.65 440.82 Td (18.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.25 440.82 Td (6.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 440.82 Td (17.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 426.82 Td (Supplemental) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 426.82 Td (12.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.25 426.82 Td (13.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.65 426.82 Td (1) Tj ET Q q 0 0 0 rg BT 443.65 426.82 Td (1.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.25 426.82 Td (46.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.65 426.82 Td (7.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 412.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.71 412.98 Td (otal Sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.50 412.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 412.82 Td (62.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.95 412.82 Td (\(6.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.80 412.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.50 412.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.65 412.82 Td (66.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.25 412.82 Td (6.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.50 412.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 412.82 Td (62.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 384.93 Td (Unum UK Sales by Market Sector) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 370.82 Td (Group Long-term Disability and Group Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 356.82 Td (Core Market \(< 500 employees\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.50 356.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 356.82 Td (27.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.25 356.82 Td (16.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 356.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.50 356.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.65 356.82 Td (23.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.95 356.82 Td (\(24.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.80 356.82 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.50 356.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 356.82 Td (31.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 342.82 Td (Lar) Tj ET Q q 0 0 0 rg BT 72.20 342.82 Td (ge Case Market) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 342.82 Td (22.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.95 342.82 Td (\(30.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.80 342.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.65 342.82 Td (31.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.25 342.82 Td (34.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 342.82 Td (23.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.50 328.82 Td (Subtotal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 328.82 Td (49.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.95 328.82 Td (\(10.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.80 328.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.65 328.82 Td (55.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.25 328.82 Td (0.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 328.82 Td (55.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 314.82 Td (Supplemental) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 314.82 Td (12.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.25 314.82 Td (13.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.65 314.82 Td (1) Tj ET Q q 0 0 0 rg BT 443.65 314.82 Td (1.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.25 314.82 Td (46.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.65 314.82 Td (7.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 300.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 300.98 Td (otal Sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.50 300.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 300.82 Td (62.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.95 300.82 Td (\(6.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.80 300.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.50 300.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.65 300.82 Td (66.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.25 300.82 Td (6.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.50 300.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 300.82 Td (62.7) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 149 0 obj <> endobj 150 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (The following discussion of sales results relates only to our Unum UK product lines and is based on functional currency) Tj ET Q q 0 0 0 rg BT 529.58 735.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 63 710.2669921875 m 111.974609375 710.2669921875 l s q 0 0 0 rg BT 63.00 711.60 Td (Y) Tj ET Q q 0 0 0 rg BT 69.22 711.60 Td (ear Ended ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 111.974609375 710.2669921875 m 190.55859375 710.2669921875 l s q 0 0 0 rg BT 111.97 711.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 190.55859375 710.2669921875 m 306.095703125 710.2669921875 l s q 0 0 0 rg BT 190.56 711.60 Td ( Compared with ) Tj ET Q q 0 0 0 rg BT 257.12 711.60 Td (Y) Tj ET Q q 0 0 0 rg BT 263.34 711.60 Td (ear Ended ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 306.095703125 710.2669921875 m 384.6796875 710.2669921875 l s q 0 0 0 rg BT 306.10 711.60 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.68 711.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (Group long-term disability sales decreased compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.26 687.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.26 687.60 Td ( due to lower sales to new customers in the lar) Tj ET Q q 0 0 0 rg BT 480.03 687.60 Td (ge case market, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (partially of) Tj ET Q q 0 0 0 rg BT 93.47 675.60 Td (fset by higher sales to both new and existing customers in our core market, or employee groups with fewer than 500 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (employees, and higher sales to existing customers in our lar) Tj ET Q q 0 0 0 rg BT 288.15 663.60 Td (ge case market.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (Group life sales decreased compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.43 639.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.43 639.60 Td ( due to lower sales to new and existing customers in our lar) Tj ET Q q 0 0 0 rg BT 466.42 639.60 Td (ge case market, partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 627.60 Td (fset by an increase in sales to new and existing customers in our core market. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (Supplemental sales increased compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.38 603.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.38 603.60 Td ( due primarily to an increase in the group critical illness product line, partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 591.60 Td (fset by a decline in dental product sales.) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 63 566.2669921875 m 111.974609375 566.2669921875 l s q 0 0 0 rg BT 63.00 567.60 Td (Y) Tj ET Q q 0 0 0 rg BT 69.22 567.60 Td (ear Ended ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 111.974609375 566.2669921875 m 190.55859375 566.2669921875 l s q 0 0 0 rg BT 111.97 567.60 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 190.55859375 566.2669921875 m 306.095703125 566.2669921875 l s q 0 0 0 rg BT 190.56 567.60 Td ( Compared with ) Tj ET Q q 0 0 0 rg BT 257.12 567.60 Td (Y) Tj ET Q q 0 0 0 rg BT 263.34 567.60 Td (ear Ended ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 306.095703125 566.2669921875 m 384.6796875 566.2669921875 l s q 0 0 0 rg BT 306.10 567.60 Td (December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.68 567.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (Group long-term disability sales decreased compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.26 543.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.26 543.60 Td ( due to lower sales to new customers in our core market and to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (existing customers in our lar) Tj ET Q q 0 0 0 rg BT 163.19 531.60 Td (ge case market, mostly of) Tj ET Q q 0 0 0 rg BT 265.47 531.60 Td (fset by higher sales to new customers in our lar) Tj ET Q q 0 0 0 rg BT 453.86 531.60 Td (ge case market. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (Group life sales increased compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.77 507.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.77 507.60 Td ( due to higher sales to new and existing customers in our lar) Tj ET Q q 0 0 0 rg BT 467.54 507.60 Td (ge case market, partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 495.60 Td (fset by a decline in sales to new and existing customers in our core market. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (Supplemental sales increased compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.38 471.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.38 471.60 Td ( due primarily to an increase in the group critical illness and dental product lines, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (partially of) Tj ET Q q 0 0 0 rg BT 93.47 459.60 Td (fset by a decline in individual disability sales.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 61.50 438.60 Td (Segment Outlook) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 414.60 Td (e are committed to driving growth in the Unum International segment, and during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.50 414.60 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.50 414.60 Td (, we will build on those capabilities that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 402.60 Td (we believe will generate growth and profitability in our businesses. Expanding our Unum UK group long-term disability market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.60 Td (position remains a significant opportunity and priority) Tj ET Q q 0 0 0 rg BT 265.48 390.60 Td (. Completing the integration of our Unum Poland business and growing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 378.60 Td (that business through the expansion of its product of) Tj ET Q q 0 0 0 rg BT 258.73 378.60 Td (ferings is also a significant priority and opportunity) Tj ET Q q 0 0 0 rg BT 463.88 378.60 Td (. Other key priorities in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 366.60 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 366.60 Td (, specifically for our Unum UK business, include the continued disciplined implementation of price increases across interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 354.60 Td (sensitive product lines, which has been successful in of) Tj ET Q q 0 0 0 rg BT 270.10 354.60 Td (fsetting pressure from lower interest rates and heightened disability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 342.60 Td (claims experience, while maintaining solid persistency results and continuing to follow a disciplined approach to new sales ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 330.60 Td (activity in the competitive pricing environment. ) Tj ET Q q 0 0 0 rg BT 245.38 330.60 Td (W) Tj ET Q q 0 0 0 rg BT 254.02 330.60 Td (e intend to build upon the strong sales momentum we have seen in our group ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 318.60 Td (critical illness and dental products through increased participation rates as well as accelerate growth in our group life line of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 306.60 Td (business. ) Tj ET Q q 0 0 0 rg BT 90.71 306.60 Td (W) Tj ET Q q 0 0 0 rg BT 99.35 306.60 Td (e have simplified our processes and operations to deliver ef) Tj ET Q q 0 0 0 rg BT 336.59 306.60 Td (ficiencies and further improvements to customer service ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 294.60 Td (and remain focused on risk discipline. ) Tj ET Q q 0 0 0 rg BT 206.50 294.60 Td (The investments that we have made in the operating model for our UK business have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 282.60 Td (significantly improved our operational ef) Tj ET Q q 0 0 0 rg BT 213.71 282.60 Td (fectiveness and we plan to reinvest a portion of these expense savings to build ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 270.60 Td (marketing and digital capabilities, which we believe will drive sustainable growth through the development of new distribution ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 258.60 Td (capabilities and reaching new customers. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 234.60 Td (Negotiations regarding the U.K.'s formal notice to withdraw from the EU are continuing to generate uncertainty in the U.K. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 222.60 Td (economy) Tj ET Q q 0 0 0 rg BT 85.51 222.60 Td (. ) Tj ET Q q 0 0 0 rg BT 92.83 222.60 Td (The magnitude and longevity of potential negative economic impacts on our growth will depend on the agreements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 210.60 Td (reached by the U.K. and EU as a result of exit negotiations and the resulting response of the U.K. marketplace, but we believe ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 198.60 Td (we are well positioned to capitalize on future growth opportunities as these negotiations are resolved and the operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 186.60 Td (environment improves. Overall, we expect the economic conditions experienced in 2018 to continue into 2019 for the U.K., ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 174.60 Td (with lower economic growth, wage inflation, and interest rates presenting challenges in the short to medium term.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 150.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 150.60 Td (e expect the current environment to continue to have a negative impact on our growth expectations in the near) Tj ET Q q 0 0 0 rg BT 497.78 150.60 Td (-term and may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 138.60 Td (also lead to a higher rate of claim incidence, lower levels of claim recoveries, or lower claim discount rates. ) Tj ET Q q 0 0 0 rg BT 484.61 138.60 Td (As part of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 126.60 Td (continued pricing discipline and our reserving strategy) Tj ET Q q 0 0 0 rg BT 267.12 126.60 Td (, we continuously monitor emer) Tj ET Q q 0 0 0 rg BT 394.42 126.60 Td (ging interest rate experience and adjust our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 114.60 Td (pricing and reserve discount rates, as appropriate. ) Tj ET Q q 0 0 0 rg BT 252.58 114.60 Td (W) Tj ET Q q 0 0 0 rg BT 261.21 114.60 Td (e will likely continue to experience volatility in net investment income and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 102.60 Td (our benefit ratio due to fluctuations in the level of inflation in the U.K., however) Tj ET Q q 0 0 0 rg BT 370.96 102.60 Td (, we do not expect this to have a significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 90.60 Td (impact on adjusted operating income. ) Tj ET Q q 0 0 0 rg BT 204.55 90.60 Td (There are no indications currently that capital requirements for our U.K. operations will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 78.60 Td (change, but economic conditions may in the near term cause volatility in our solvency ratios. ) Tj ET Q q 0 0 0 rg BT 425.88 78.60 Td (W) Tj ET Q q 0 0 0 rg BT 434.52 78.60 Td (e continuously monitor key ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 66.60 Td (indicators to assess our risks and attempt to adjust our business plans accordingly to respond to external challenges. ) Tj ET Q endstream endobj 151 0 obj <> endobj 152 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (71) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 735.75 Td (Colonial Life Segment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (The Colonial Life segment includes insurance for accident, sickness, and disability products, which includes our expanded dental ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.75 Td (and vision products, life products, and cancer and critical illness products issued primarily by Colonial Life & ) Tj ET Q q 0 0 0 rg BT 491.34 699.75 Td (Accident ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.75 Td (Insurance Company and marketed to employees, on both a group and an individual basis, at the workplace through an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.75 Td (independent contractor agency sales force and brokers.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 61.50 654.75 Td (Operating Results) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 633.75 Td (Shown below are financial results and key performance indicators for the Colonial Life segment.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 572.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 572.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 572.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 572.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 572.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 572.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 572.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 572.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 572.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 572.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 544.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 544.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 544.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 544.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 544.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 544.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 544.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 544.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 544.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 544.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 516.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 516.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 516.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 516.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 516.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 516.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 516.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 516.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 516.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 516.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 488.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 488.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 488.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 488.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 488.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 488.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 488.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 488.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 488.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 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50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 405.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 405.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 405.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 405.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 377.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 377.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 377.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 377.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 377.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 377.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 377.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 377.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 377.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 377.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 349.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 349.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 349.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 349.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 349.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 349.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 349.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 349.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 349.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 349.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 322.25 251.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 322.25 50.00 -26.00 re f /GS0 gs 0.8 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w 0 i [] 0 d 0 J 0 j 3 M 351 586.25 m 355 586.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355 586.25 m 405 586.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405 586.25 m 409 586.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 586.25 m 459 586.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459 586.25 m 463 586.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463 586.25 m 513 586.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 586.25 m 517 586.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 586.25 m 567 586.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 572.25 m 351 572.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355 572.25 m 405 572.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 586.25 m 459 586.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 572.25 m 459 572.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463 586.25 m 513 586.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463 572.25 m 513 572.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 586.25 m 567 586.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 572.25 m 567 572.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 572.25 m 351 572.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 502.25 m 351 502.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 502.25 m 459 502.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 502.25 m 567 502.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 502.25 m 459 502.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 502.25 m 567 502.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 460.25 m 351 460.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 460.25 m 459 460.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 460.25 m 567 460.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 446.25 m 351 446.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 460.25 m 459 460.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 446.25 m 459 446.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 460.25 m 567 460.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 446.25 m 567 446.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 349.25 m 351 349.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 349.25 m 459 349.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 349.25 m 567 349.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 335.25 m 351 335.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 349.25 m 459 349.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 335.25 m 459 335.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 349.25 m 567 349.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 335.25 m 567 335.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 282.25 m 351 282.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 282.25 m 459 282.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 282.25 m 567 282.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 282.25 m 351 282.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 269.25 m 351 269.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 267.25 m 351 267.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 282.25 m 459 282.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 269.25 m 459 269.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 267.25 m 459 267.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 282.25 m 567 282.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 269.25 m 567 269.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 267.25 m 567 267.25 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 604.81 Td (\(in millions of dollars, except ratios\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 604.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.50 604.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 590.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.20 590.82 Td (Y) Tj ET Q q 0 0 0 rg BT 388.92 590.82 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 576.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.50 576.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.80 576.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.50 576.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.80 576.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.50 576.82 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 562.98 Td (Adjusted Operating Revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 548.82 Td (Premium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 534.82 Td (Accident, Sickness, and Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 534.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.65 534.82 Td (929.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.65 534.82 Td (5.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 534.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.50 534.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 534.82 Td (884.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 534.82 Td (6.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.15 534.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.50 534.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 534.82 Td (830.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 520.82 Td (Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.65 520.82 Td (328.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.65 520.82 Td (9.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 520.82 Td (300.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 520.82 Td (9.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 520.82 Td (273.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 506.82 Td (Cancer and Critical Illness) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.65 506.82 Td (346.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.65 506.82 Td (5.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 506.82 Td (326.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 506.82 Td (4.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 506.82 Td (313.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 492.82 Td (T) Tj ET Q q 0 0 0 rg BT 58.26 492.82 Td (otal Premium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.10 492.82 Td (1,603.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.65 492.82 Td (6.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.10 492.82 Td (1,51) Tj ET Q q 0 0 0 rg BT 437.60 492.82 Td (1.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 492.82 Td (6.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 492.82 Td (1,417.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 478.82 Td (Net Investment Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.65 478.82 Td (151.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.65 478.82 Td (4.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 478.82 Td (144.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 478.82 Td (2.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 478.82 Td (141.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 464.82 Td (Other Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.65 464.82 Td (1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.65 464.82 Td (9.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.65 464.82 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 464.87 Td (\(8.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.15 464.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 464.82 Td (1.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 450.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.71 450.98 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.10 450.82 Td (1,756.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.65 450.82 Td (6.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.10 450.82 Td (1,657.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 450.82 Td (6.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 450.82 Td (1,559.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 423.98 Td (Benefits and Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 409.82 Td (Benefits and Change in Reserves for Future Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.65 409.82 Td (824.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.65 409.82 Td (4.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 409.82 Td (788.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 409.82 Td (8.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 409.82 Td (726.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 395.82 Td (Commissions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.65 395.82 Td (364.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.65 395.82 Td (5.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 395.82 Td (344.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 395.82 Td (9.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 395.82 Td (313.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 381.82 Td (Deferral of ) Tj ET Q q 0 0 0 rg BT 98.86 381.82 Td (Acquisition Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.30 381.87 Td (\(315.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 381.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.65 381.82 Td (6.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.30 381.87 Td (\(295.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 381.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 381.82 Td (9.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 381.87 Td (\(270.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 381.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 367.82 Td (Amortization of Deferred ) Tj ET Q q 0 0 0 rg BT 156.90 367.82 Td (Acquisition Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.65 367.82 Td (242.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.65 367.82 Td (7.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 367.82 Td (224.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 367.82 Td (7.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 367.82 Td (208.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 353.82 Td (Other Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.65 353.82 Td (305.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.65 353.82 Td (7.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 353.82 Td (282.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 353.82 Td (5.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 353.82 Td (267.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 339.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 339.98 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.10 339.82 Td (1,421.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.65 339.82 Td (5.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.10 339.82 Td (1,344.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 339.82 Td (8.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 339.82 Td (1,245.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 312.98 Td (Income Befor) Tj ET Q q 0 0 0 rg BT 110.36 312.98 Td (e Income ) Tj ET Q q 0 0 0 rg BT 151.27 312.98 Td (T) Tj ET Q q 0 0 0 rg BT 157.03 312.98 Td (ax and Net Realized Investment ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 302.98 Td (Gains and Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.65 300.92 Td (335.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.65 300.92 Td (7.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 300.92 Td (312.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 300.97 Td (\(0.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.15 300.92 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 300.92 Td (314.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 286.82 Td (UDB Reserve Increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.15 286.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.35 286.82 Td (N.M.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 286.82 Td (12.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.35 286.82 Td (N.M.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 286.82 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 272.98 Td (Adjusted Operating Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 272.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.65 272.82 Td (335.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.65 272.82 Td (3.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.50 272.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 272.82 Td (325.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 272.82 Td (3.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.50 272.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 272.82 Td (314.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 245.82 Td (Operating Ratios \(% of Premium Income\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 231.82 Td (Benefit Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 231.82 Td (51.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 231.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 231.82 Td (52.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 231.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 231.82 Td (51.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 231.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 217.82 Td (Benefit Ratio Excluding UDB Reserve Increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 217.82 Td (51.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 217.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 203.82 Td (Other Expense Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 203.82 Td (19.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 203.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 203.82 Td (18.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 203.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 203.82 Td (18.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 203.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 189.82 Td (Income Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 189.82 Td (20.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 189.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 175.82 Td (Adjusted Operating Income Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 175.82 Td (20.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 175.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 175.82 Td (21.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 175.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 175.82 Td (22.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 175.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 148.82 Td (Persistency:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 134.82 Td (Accident, Sickness, and Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 134.82 Td (74.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 134.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 134.82 Td (75.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 134.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 134.82 Td (75.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 134.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 120.82 Td (Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 120.82 Td (83.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 120.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 120.82 Td (84.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 120.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 120.82 Td (85.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 120.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 106.82 Td (Cancer and Critical Illness) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 106.82 Td (82.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 106.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 106.82 Td (82.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 106.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 106.82 Td (82.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 106.82 Td (%) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 79.81 Td (N.M. = not a meaningful per) Tj ET Q q 0 0 0 rg BT 167.48 79.81 Td (centage) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 153 0 obj <> endobj 154 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (72) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 63.5 734.2669921875 m 191.05859375 734.2669921875 l s q 0 0 0 rg BT 63.50 735.60 Td (Y) Tj ET Q q 0 0 0 rg BT 69.72 735.60 Td (ear Ended December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 191.05859375 734.2669921875 m 257.806640625 734.2669921875 l s q 0 0 0 rg BT 191.06 735.60 Td ( Compared with ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 257.806640625 734.2669921875 m 385.1796875 734.2669921875 l s q 0 0 0 rg BT 257.62 735.60 Td (Y) Tj ET Q q 0 0 0 rg BT 263.84 735.60 Td (ear Ended December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (Premium income increased in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.13 711.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.13 711.60 Td ( relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.39 711.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.39 711.60 Td ( as a result of sales growth. Net investment income increased relative to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (prior year due to an increase in the level of invested assets and higher miscellaneous investment income, partially of) Tj ET Q q 0 0 0 rg BT 513.89 699.60 Td (fset by a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (decline in yield on invested assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (Benefits experience was favorable in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.71 663.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.71 663.60 Td ( compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.41 663.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.41 663.60 Td ( due to the previously discussed 2017 reserve increase for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (unclaimed death benefits. Excluding this reserve increase, benefits experience was consistent with 2017. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (Commissions and the deferral of acquisition costs were higher relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.14 627.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.14 627.60 Td ( due to sales growth. ) Tj ET Q q 0 0 0 rg BT 451.45 627.60 Td (The amortization of deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (acquisition costs increased compared to the prior year due primarily to growth in the level of the deferred asset. ) Tj ET Q q 0 0 0 rg BT 500.00 615.60 Td (The other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (expense ratio was higher relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.89 603.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.89 603.60 Td ( due to costs related to our territory expansion initiatives, investments in our business, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (and the roll-out of our dental and vision products.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 567.60 Td (e had goodwill of $27.7 million at December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.59 567.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.59 567.60 Td (, none of which is currently believed to be at risk for future impairment. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 63.5 542.2669921875 m 191.05859375 542.2669921875 l s q 0 0 0 rg BT 63.50 543.60 Td (Y) Tj ET Q q 0 0 0 rg BT 69.72 543.60 Td (ear Ended December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 191.05859375 542.2669921875 m 257.806640625 542.2669921875 l s q 0 0 0 rg BT 191.06 543.60 Td ( Compared with ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 257.806640625 542.2669921875 m 385.1796875 542.2669921875 l s q 0 0 0 rg BT 257.62 543.60 Td (Y) Tj ET Q q 0 0 0 rg BT 263.84 543.60 Td (ear Ended December 31, 2016) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (Premium income increased in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.13 519.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.13 519.60 Td ( relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.39 519.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.39 519.60 Td ( as a result of sales growth and overall stable persistency) Tj ET Q q 0 0 0 rg BT 482.34 519.60 Td (. Net investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (income increased relative to 2016 due to an increase in the level of invested assets, partially of) Tj ET Q q 0 0 0 rg BT 427.24 507.60 Td (fset by a decline in yield and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (lower miscellaneous investment income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (Benefits experience was less favorable in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.21 471.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.21 471.60 Td ( compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.91 471.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.91 471.60 Td ( due to the 2017 reserve increase for unclaimed death benefits. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (Excluding the reserve increase, benefits experience was generally consistent with 2016, with mar) Tj ET Q q 0 0 0 rg BT 438.07 459.60 Td (ginally less favorable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (experience in each line of business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (Commissions and the deferral of acquisition costs were higher relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.14 423.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.14 423.60 Td ( due to overall sales growth. ) Tj ET Q q 0 0 0 rg BT 481.71 423.60 Td (The amortization of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (deferred acquisition costs increased compared to 2016 due primarily to growth in the level of the deferred asset. ) Tj ET Q q 0 0 0 rg BT 501.94 411.60 Td (The other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (expense ratio improved relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.62 399.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.62 399.60 Td ( due to growth in premium income and our continued focus on operating ef) Tj ET Q q 0 0 0 rg BT 509.19 399.60 Td (fectiveness ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (and expense management.) Tj ET Q endstream endobj 155 0 obj <> endobj 156 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (73) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 61.50 735.75 Td (Sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 714.75 Td (Certain prior year amounts below were reclassified to conform to current year presentation.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 662.25 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 662.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.00 662.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.00 662.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 662.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 662.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 662.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.00 662.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 662.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 662.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 634.25 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 634.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.00 634.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.00 634.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 634.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 634.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 634.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.00 634.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 634.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 634.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 606.25 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 606.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.00 606.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.00 606.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 606.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 606.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 606.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.00 606.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 606.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 606.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 579.25 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 579.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.00 579.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.00 579.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 579.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 579.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 579.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.00 579.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 579.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 579.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 551.25 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 551.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.00 551.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.00 551.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 551.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 551.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 551.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.00 551.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 551.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 551.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 523.25 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 523.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.00 523.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.00 523.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 523.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 523.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 523.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.00 523.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 523.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 523.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 495.25 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 495.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.00 495.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.00 495.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 495.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 495.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 495.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.00 495.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 495.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 495.25 50.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 676.25 m 340 676.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340 676.25 m 344 676.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344 676.25 m 394 676.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394 676.25 m 398 676.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 676.25 m 448 676.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 676.25 m 452 676.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452 676.25 m 502 676.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 676.25 m 506 676.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 676.25 m 556 676.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 662.25 m 340 662.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344 662.25 m 394 662.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 662.25 m 448 662.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452 662.25 m 502 662.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 676.25 m 556 676.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 662.25 m 556 662.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 606.25 m 340 606.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 606.25 m 448 606.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 606.25 m 556 606.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 606.25 m 340 606.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 593.25 m 340 593.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 591.25 m 340 591.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 606.25 m 448 606.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 593.25 m 448 593.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 591.25 m 448 591.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 606.25 m 556 606.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 593.25 m 556 593.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 591.25 m 556 591.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 523.25 m 340 523.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 523.25 m 448 523.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 523.25 m 556 523.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 523.25 m 340 523.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 523.25 m 448 523.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 523.25 m 556 523.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 495.25 m 340 495.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 495.25 m 448 495.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 495.25 m 556 495.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 495.25 m 340 495.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 482.25 m 340 482.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 480.25 m 340 480.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 495.25 m 448 495.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 482.25 m 448 482.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 480.25 m 448 480.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 495.25 m 556 495.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 482.25 m 556 482.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 480.25 m 556 480.25 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 694.81 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 680.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.20 680.82 Td (Y) Tj ET Q q 0 0 0 rg BT 377.92 680.82 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 666.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.50 666.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.80 666.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.50 666.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.80 666.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.50 666.82 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 652.93 Td (Sales by Pr) Tj ET Q q 0 0 0 rg BT 100.19 652.93 Td (oduct) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 638.82 Td (Accident, Sickness, and Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.50 638.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.65 638.82 Td (355.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.65 638.82 Td (9.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.15 638.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 638.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.65 638.82 Td (323.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 638.82 Td (4.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.15 638.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.50 638.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.65 638.82 Td (310.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 624.82 Td (Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.65 624.82 Td (1) Tj ET Q q 0 0 0 rg BT 318.65 624.82 Td (1) Tj ET Q q 0 0 0 rg BT 323.65 624.82 Td (1.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.65 624.82 Td (3.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.65 624.82 Td (107.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 624.82 Td (14.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.65 624.82 Td (94.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 610.82 Td (Cancer and Critical Illness) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.65 610.82 Td (94.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.65 610.82 Td (6.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.65 610.82 Td (88.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 610.82 Td (12.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.65 610.82 Td (79.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 596.93 Td (T) Tj ET Q q 0 0 0 rg BT 58.71 596.93 Td (otal Sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.50 596.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.65 596.82 Td (561.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.65 596.82 Td (8.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 596.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.65 596.82 Td (519.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 596.82 Td (7.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.50 596.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.65 596.82 Td (483.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 569.93 Td (Sales by Market Sector) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 555.82 Td (Commercial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 541.82 Td (Core Market \(< 1,000 employees\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.50 541.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.65 541.82 Td (349.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.65 541.82 Td (1) Tj ET Q q 0 0 0 rg BT 372.65 541.82 Td (1.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.15 541.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 541.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.65 541.82 Td (313.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 541.82 Td (7.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.15 541.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.50 541.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.65 541.82 Td (291.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 527.82 Td (Lar) Tj ET Q q 0 0 0 rg BT 72.20 527.82 Td (ge Case Market) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.65 527.82 Td (95.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.65 527.82 Td (5.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.65 527.82 Td (90.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 527.82 Td (17.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.65 527.82 Td (77.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.50 513.82 Td (Subtotal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.65 513.82 Td (444.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.65 513.82 Td (9.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.65 513.82 Td (404.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 513.82 Td (9.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.65 513.82 Td (368.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 499.82 Td (Public Sector) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.65 499.82 Td (1) Tj ET Q q 0 0 0 rg BT 318.65 499.82 Td (16.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.65 499.82 Td (1.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.65 499.82 Td (1) Tj ET Q q 0 0 0 rg BT 426.65 499.82 Td (15.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 499.82 Td (0.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.65 499.82 Td (1) Tj ET Q q 0 0 0 rg BT 534.65 499.82 Td (14.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 485.93 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 485.93 Td (otal Sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.50 485.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.65 485.82 Td (561.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.65 485.82 Td (8.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 485.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.65 485.82 Td (519.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 485.82 Td (7.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.50 485.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.65 485.82 Td (483.6) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 63 456.4169921875 m 111.974609375 456.4169921875 l s q 0 0 0 rg BT 63.00 457.75 Td (Y) Tj ET Q q 0 0 0 rg BT 69.22 457.75 Td (ear Ended ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 111.974609375 456.4169921875 m 190.55859375 456.4169921875 l s q 0 0 0 rg BT 111.97 457.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 190.55859375 456.4169921875 m 306.095703125 456.4169921875 l s q 0 0 0 rg BT 190.56 457.75 Td ( Compared with ) Tj ET Q q 0 0 0 rg BT 257.12 457.75 Td (Y) Tj ET Q q 0 0 0 rg BT 263.34 457.75 Td (ear Ended ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 306.095703125 456.4169921875 m 384.6796875 456.4169921875 l s q 0 0 0 rg BT 306.10 457.75 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.68 457.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 433.75 Td (Sales were higher in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.36 433.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.36 433.75 Td ( compared to 2017 due to growth in both new and existing customer account sales and the expansion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 421.75 Td (of our dental and vision products. Commercial market sales increased primarily due to higher new and existing customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 409.75 Td (account sales in the core market, which we define as accounts with fewer than 1,000 employees, and higher existing sales in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 397.75 Td (lar) Tj ET Q q 0 0 0 rg BT 59.87 397.75 Td (ge case market. ) Tj ET Q q 0 0 0 rg BT 126.59 397.75 Td (The slight increase in our public sector market for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.03 397.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.03 397.75 Td ( was primarily driven by an increase in existing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 385.75 Td (customer account sales, partially of) Tj ET Q q 0 0 0 rg BT 190.66 385.75 Td (fset by a decrease in new account sales. ) Tj ET Q q 0 0 0 rg BT 353.74 385.75 Td (The number of new accounts increased 9.8 percent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 373.75 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.78 373.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.78 373.75 Td ( compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.48 373.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.48 373.75 Td (, while the average new case size decreased 4.0 percent.) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 63 348.4169921875 m 111.974609375 348.4169921875 l s q 0 0 0 rg BT 63.00 349.75 Td (Y) Tj ET Q q 0 0 0 rg BT 69.22 349.75 Td (ear Ended ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 111.974609375 348.4169921875 m 190.55859375 348.4169921875 l s q 0 0 0 rg BT 111.97 349.75 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 190.55859375 348.4169921875 m 306.095703125 348.4169921875 l s q 0 0 0 rg BT 190.56 349.75 Td ( Compared with ) Tj ET Q q 0 0 0 rg BT 257.12 349.75 Td (Y) Tj ET Q q 0 0 0 rg BT 263.34 349.75 Td (ear Ended ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 306.095703125 348.4169921875 m 384.6796875 348.4169921875 l s q 0 0 0 rg BT 306.10 349.75 Td (December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.68 349.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 325.75 Td (Sales were higher in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.36 325.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.36 325.75 Td ( due to growth in both new and existing customer account sales. Commercial market sales increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 313.75 Td (due to higher new and existing customer account sales in both the core market and the lar) Tj ET Q q 0 0 0 rg BT 406.98 313.75 Td (ge case market. ) Tj ET Q q 0 0 0 rg BT 473.71 313.75 Td (The slight increase in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 301.75 Td (our public sector market for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.63 301.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.63 301.75 Td ( was primarily driven by higher new customer account sales. ) Tj ET Q q 0 0 0 rg BT 431.15 301.75 Td (The number of new accounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 289.75 Td (increased 9.1 percent in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.96 289.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.96 289.75 Td ( compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.66 289.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.66 289.75 Td (, and the average new case size increased 1.1 percent.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 61.50 265.75 Td (Segment Outlook) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 241.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 241.75 Td (e remain committed to providing employees and their families with simple, modern, and personal benefit solutions. During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 229.75 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 229.75 Td (, we will continue to focus on expanding our distribution system through the growth and development of our agency sales ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 217.75 Td (force and establishing ef) Tj ET Q q 0 0 0 rg BT 147.34 217.75 Td (fective broker partnerships. ) Tj ET Q q 0 0 0 rg BT 261.83 217.75 Td (W) Tj ET Q q 0 0 0 rg BT 270.47 217.75 Td (e will also invest in new solutions and digital capabilities to enhance the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 205.75 Td (customer experience for our business partners and further improve productivity) Tj ET Q q 0 0 0 rg BT 366.25 205.75 Td (. ) Tj ET Q q 0 0 0 rg BT 373.57 205.75 Td (W) Tj ET Q q 0 0 0 rg BT 382.21 205.75 Td (e will seek to capitalize on the expansion of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 193.75 Td (our new dental products, which we believe will open doors for new cases while also allowing for further cross-selling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 181.75 Td (opportunities to existing clients. ) Tj ET Q q 0 0 0 rg BT 182.64 181.75 Td (W) Tj ET Q q 0 0 0 rg BT 191.28 181.75 Td (e will continue to focus on accelerating growth during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.38 181.75 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.38 181.75 Td ( through territory expansion, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 169.75 Td (territory growth, persistency investments, and increased participation rates. ) Tj ET Q q 0 0 0 rg BT 354.78 169.75 Td (W) Tj ET Q q 0 0 0 rg BT 363.42 169.75 Td (e believe our distribution system, customer service ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 157.75 Td (capabilities, the expansion of our new dental products, and ability to serve all market sizes position us well for future growth. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 133.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 133.75 Td (e expect to see continued favorable sales, premium, and adjusted operating earnings growth trends in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.40 133.75 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.40 133.75 Td (. ) Tj ET Q q 0 0 0 rg BT 491.72 133.75 Td (W) Tj ET Q q 0 0 0 rg BT 500.35 133.75 Td (e also anticipate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 121.75 Td (a decline in the operating expense ratio as we continue to balance operating ef) Tj ET Q q 0 0 0 rg BT 361.69 121.75 Td (ficiencies with the continued investments in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 109.75 Td (future growth. ) Tj ET Q q 0 0 0 rg BT 111.53 109.75 Td (The lower interest rate environment will continue to have an unfavorable impact on our profit mar) Tj ET Q q 0 0 0 rg BT 504.27 109.75 Td (gins, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 97.75 Td (volatility in miscellaneous investment income is likely to continue. ) Tj ET Q q 0 0 0 rg BT 322.33 97.75 Td (W) Tj ET Q q 0 0 0 rg BT 330.96 97.75 Td (e expect our annual benefit ratio for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.73 97.75 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.73 97.75 Td ( to be generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 85.75 Td (consistent with the level of 2018. ) Tj ET Q q 0 0 0 rg BT 187.07 85.75 Td (While we believe our underlying profitability will remain strong, current economic conditions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 73.75 Td (and increasing competition in the voluntary workplace market are seen as external risks to achievement of our business plans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 61.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 61.75 Td (e continuously monitor key indicators to assess our risks and attempt to adjust our business plans accordingly) Tj ET Q q 0 0 0 rg BT 495.20 61.75 Td (.) Tj ET Q endstream endobj 157 0 obj <> endobj 158 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (74) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 735.75 Td (Closed Block Segment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (The Closed Block segment consists of individual disability) Tj ET Q q 0 0 0 rg BT 284.66 711.75 Td (, group and individual long-term care, and other insurance products no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.75 Td (longer actively marketed. Individual disability in this segment generally consists of policies we sold prior to the mid-1990s and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.75 Td (entirely discontinued selling in 2004, other than update features contractually allowable on existing policies. ) Tj ET Q q 0 0 0 rg BT 487.81 687.75 Td (W) Tj ET Q q 0 0 0 rg BT 496.45 687.75 Td (e discontinued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.75 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 675.75 Td (fering individual long-term care in 2009 and group long-term care in 2012. Other insurance products include group pension, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.75 Td (individual life and corporate-owned life insurance, reinsurance pools and management operations, and other miscellaneous ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.75 Td (product lines. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.75 Td ( ) Tj ET Q endstream endobj 159 0 obj <> endobj 160 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (75) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 735.75 Td (Operating Results) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (Shown below are financial results and key performance indicators for the Closed Block segment. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 659.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 659.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 659.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 659.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 659.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 659.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 659.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 659.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 659.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 659.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 631.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 631.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 631.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 631.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 631.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 631.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 631.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 631.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 631.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 631.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 603.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 603.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 603.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 603.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 603.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 603.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 603.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 603.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 603.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 603.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 575.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 575.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 575.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 575.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 575.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 575.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 575.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 575.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 575.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 575.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 547.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 547.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 547.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 547.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 547.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 547.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 547.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 547.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 547.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 547.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 520.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 520.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 520.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 520.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 520.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 520.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 520.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 520.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 520.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 520.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 492.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 492.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 492.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 492.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 492.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 492.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 492.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 492.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 492.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 492.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 464.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 464.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 464.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 464.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 464.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 464.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 464.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 464.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 464.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 464.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 436.25 251.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 436.25 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 436.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 436.25 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 436.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 436.25 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 436.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 436.25 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 436.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 436.25 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 397.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 397.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 397.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 397.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 397.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 397.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 397.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 397.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 397.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 397.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 369.25 251.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 369.25 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 369.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 369.25 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 369.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 369.25 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 369.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 369.25 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 369.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 369.25 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 342.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 342.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 342.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 342.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 342.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 342.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 342.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 342.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 342.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 342.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 314.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 314.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 314.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 314.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 314.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 314.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 314.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 314.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 314.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 314.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 287.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 287.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 287.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 287.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 287.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 287.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 287.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 287.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 287.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 287.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 259.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 259.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 259.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 259.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 259.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 259.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 259.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 259.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 259.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 259.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 231.25 251.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 231.25 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 231.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 231.25 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 231.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 231.25 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 231.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 231.25 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 231.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 231.25 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 204.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 204.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 204.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 204.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 204.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 204.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 204.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 204.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 204.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 204.25 50.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 673.25 m 351 673.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351 673.25 m 355 673.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355 673.25 m 405 673.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405 673.25 m 409 673.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 673.25 m 459 673.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459 673.25 m 463 673.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463 673.25 m 513 673.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 673.25 m 517 673.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 673.25 m 567 673.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 659.25 m 351 659.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355 659.25 m 405 659.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 673.25 m 459 673.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 659.25 m 459 659.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463 673.25 m 513 673.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463 659.25 m 513 659.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 673.25 m 567 673.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 659.25 m 567 659.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 659.25 m 351 659.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 589.25 m 351 589.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 589.25 m 459 589.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 589.25 m 567 589.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 589.25 m 459 589.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 589.25 m 567 589.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 547.25 m 351 547.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 547.25 m 459 547.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 547.25 m 567 547.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 533.25 m 351 533.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 547.25 m 459 547.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 533.25 m 459 533.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 547.25 m 567 547.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 533.25 m 567 533.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 450.25 m 351 450.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 450.25 m 459 450.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 450.25 m 567 450.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 436.25 m 351 436.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 450.25 m 459 450.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 436.25 m 459 436.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 450.25 m 567 450.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 436.25 m 567 436.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 383.25 m 351 383.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 383.25 m 459 383.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 383.25 m 567 383.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 370.25 m 351 370.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 368.25 m 351 368.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 370.25 m 459 370.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 368.25 m 459 368.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 370.25 m 567 370.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 368.25 m 567 368.25 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 691.81 Td (\(in millions of dollars, except ratios\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 691.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.50 691.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 677.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.20 677.82 Td (Y) Tj ET Q q 0 0 0 rg BT 388.92 677.82 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 663.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.50 663.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.80 663.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.50 663.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.80 663.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.50 663.82 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 649.98 Td (Adjusted Operating Revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 635.82 Td (Premium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 621.82 Td (Individual Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 621.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.25 621.82 Td (420.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.95 621.82 Td (\(10.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.80 621.82 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.50 621.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 621.82 Td (471.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.95 621.82 Td (\(9.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.80 621.82 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.50 621.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 621.82 Td (521.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 607.82 Td (Long-term Care) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.25 607.82 Td (648.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.95 607.82 Td (\(0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.80 607.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 607.82 Td (648.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.25 607.82 Td (0.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 607.82 Td (643.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 593.82 Td (All Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.25 593.82 Td (8.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.95 593.82 Td (\(8.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.80 593.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.65 593.82 Td (8.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.25 593.82 Td (89.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 593.82 Td (4.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 579.82 Td (T) Tj ET Q q 0 0 0 rg BT 58.26 579.82 Td (otal Premium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.75 579.82 Td (1,077.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.95 579.82 Td (\(4.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.80 579.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.10 579.82 Td (1,129.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.95 579.82 Td (\(3.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.80 579.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 579.82 Td (1,170.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 565.82 Td (Net Investment Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.75 565.82 Td (1,377.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.25 565.82 Td (1.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.10 565.82 Td (1,354.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.25 565.82 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 565.82 Td (1,352.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 551.82 Td (Other Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.25 551.82 Td (75.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.95 551.82 Td (\(5.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.80 551.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 551.82 Td (79.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.95 551.82 Td (\(7.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.80 551.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 551.82 Td (86.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 537.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.71 537.98 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.75 537.82 Td (2,529.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.95 537.82 Td (\(1.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.80 537.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.10 537.82 Td (2,563.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.95 537.82 Td (\(1.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.80 537.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 537.82 Td (2,608.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 510.98 Td (Benefits and Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 496.82 Td (Benefits and Change in Reserves for Future Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.75 496.82 Td (2,919.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.25 496.82 Td (33.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.10 496.82 Td (2,191.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.95 496.82 Td (\(1.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.80 496.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 496.82 Td (2,223.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 482.82 Td (Commissions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.25 482.82 Td (84.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.95 482.82 Td (\(6.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.80 482.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 482.82 Td (90.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.95 482.82 Td (\(4.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.80 482.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 482.82 Td (93.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 468.82 Td (Interest and Debt Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.25 468.82 Td (6.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.25 468.82 Td (3.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.65 468.82 Td (6.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.95 468.82 Td (\(2.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.80 468.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 468.82 Td (6.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 454.82 Td (Other Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.25 454.82 Td (144.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.95 454.82 Td (\(3.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.80 454.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 454.82 Td (150.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.95 454.82 Td (\(2.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.80 454.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 454.82 Td (154.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 440.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 440.98 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.75 440.82 Td (3,154.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.25 440.82 Td (29.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.10 440.82 Td (2,439.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.95 440.82 Td (\(1.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.80 440.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 440.82 Td (2,479.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 411.93 Td (Income \(Loss\) Befor) Tj ET Q q 0 0 0 rg BT 138.97 411.93 Td (e Income ) Tj ET Q q 0 0 0 rg BT 179.89 411.93 Td (T) Tj ET Q q 0 0 0 rg BT 185.64 411.93 Td (ax and Net Realized) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 401.93 Td (Investment Gains and Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.95 401.92 Td (\(625.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.80 401.92 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.35 401.92 Td (N.M.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 401.92 Td (123.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.95 401.92 Td (\(4.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.80 401.92 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 401.92 Td (129.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 387.82 Td (Long-term Care Reserve Increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.25 387.82 Td (750.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.35 387.82 Td (N.M.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.15 387.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.75 387.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 387.82 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 373.93 Td (Adjusted Operating Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 373.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.25 373.82 Td (125.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.25 373.82 Td (1.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.50 373.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 373.82 Td (123.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.95 373.82 Td (\(4.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.80 373.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.50 373.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 373.82 Td (129.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 346.82 Td (Interest ) Tj ET Q q 0 0 0 rg BT 84.71 346.82 Td (Adjusted Loss Ratios:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 332.82 Td (Individual Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.25 332.82 Td (80.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 332.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 332.82 Td (82.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 332.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 332.82 Td (83.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 332.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 318.82 Td (Long-term Care) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.95 318.82 Td (\(206.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.80 318.82 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 318.82 Td (91.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 318.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 318.82 Td (91.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 318.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 304.82 Td (Long-term Care Excluding Reserve Increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.25 304.82 Td (91.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 304.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 277.82 Td (Operating Ratios \(% of Premium Income\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 263.82 Td (Other Expense Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.25 263.82 Td (13.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 263.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 263.82 Td (13.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 263.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 263.82 Td (13.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 263.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 249.82 Td (Income \(Loss\) Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.95 249.82 Td (\(58.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.80 249.82 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 235.82 Td (Adjusted Operating Income Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.25 235.82 Td (1) Tj ET Q q 0 0 0 rg BT 326.25 235.82 Td (1.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 235.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 235.82 Td (1) Tj ET Q q 0 0 0 rg BT 437.65 235.82 Td (1.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 235.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 235.82 Td (1) Tj ET Q q 0 0 0 rg BT 545.65 235.82 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 235.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 208.82 Td (Persistency:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 194.82 Td (Individual Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.25 194.82 Td (88.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 194.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 194.82 Td (89.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 194.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 194.82 Td (90.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 194.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 180.82 Td (Long-term Care) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.25 180.82 Td (95.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 180.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 180.82 Td (95.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 180.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 180.82 Td (94.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 180.82 Td (%) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 153.81 Td (N.M. = not a meaningful per) Tj ET Q q 0 0 0 rg BT 167.48 153.81 Td (centage) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 161 0 obj <> endobj 162 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (76) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 63.5 734.2669921875 m 191.05859375 734.2669921875 l s q 0 0 0 rg BT 63.50 735.60 Td (Y) Tj ET Q q 0 0 0 rg BT 69.72 735.60 Td (ear Ended December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 191.05859375 734.2669921875 m 257.806640625 734.2669921875 l s q 0 0 0 rg BT 191.06 735.60 Td ( Compared with ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 257.806640625 734.2669921875 m 385.1796875 734.2669921875 l s q 0 0 0 rg BT 257.62 735.60 Td (Y) Tj ET Q q 0 0 0 rg BT 263.84 735.60 Td (ear Ended December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.18 735.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (Premium income for individual disability decreased compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.65 711.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.65 711.60 Td ( due to policy terminations and maturities. Premium ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (income for long-term care was generally consistent with the prior year) Tj ET Q q 0 0 0 rg BT 330.66 699.60 Td (, with rate increases of) Tj ET Q q 0 0 0 rg BT 420.72 699.60 Td (fsetting policy terminations. ) Tj ET Q q 0 0 0 rg BT 538.02 699.60 Td (W) Tj ET Q q 0 0 0 rg BT 546.66 699.60 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (continue to file requests with various state insurance departments for premium rate increases on certain of our individual and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (group long-term care policies which reflect assumptions as of the date of filings.In states for which a rate increase is submitted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (and approved, we routinely provide customers options for coverage changes or other approaches that might fit their current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (financial and insurance needs. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (Net investment income was higher relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.61 627.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.61 627.60 Td ( primarily due to an increase in the level of invested assets and higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (miscellaneous investment income, partially of) Tj ET Q q 0 0 0 rg BT 233.44 615.60 Td (fset by a decline in yield on invested assets. Other income, which includes the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (underlying results and associated net investment income of certain blocks of individual disability reinsured business, continues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (to decline due to expected terminations and maturities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (Individual disability benefits experience was favorable relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.85 567.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.85 567.60 Td ( due primarily to lower claims incidence and a lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (average size of new claims. ) Tj ET Q q 0 0 0 rg BT 164.54 555.60 Td (The interest adjusted loss ratio for long-term care, excluding the previously discussed reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (increase, was not comparable to 2017 due to the update in our assumptions during the third quarter of 2018, butwas generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (consistent with our expectations in the second half of 2018, with an interest adjusted loss ratio of 85.4 percent.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (The other expense ratio was slightly higher than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.45 507.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.45 507.60 Td ( due to the expected decline in premium income for individual disability) Tj ET Q q 0 0 0 rg BT 552.88 507.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (partially of) Tj ET Q q 0 0 0 rg BT 93.47 495.60 Td (fset by our continued focus on expense management and operating ef) Tj ET Q q 0 0 0 rg BT 370.42 495.60 Td (ficiencies.) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 63.5 470.2669921875 m 191.05859375 470.2669921875 l s q 0 0 0 rg BT 63.50 471.60 Td (Y) Tj ET Q q 0 0 0 rg BT 69.72 471.60 Td (ear Ended December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 191.05859375 470.2669921875 m 257.806640625 470.2669921875 l s q 0 0 0 rg BT 191.06 471.60 Td ( Compared with ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 257.806640625 470.2669921875 m 385.1796875 470.2669921875 l s q 0 0 0 rg BT 257.62 471.60 Td (Y) Tj ET Q q 0 0 0 rg BT 263.84 471.60 Td (ear Ended December 31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.18 471.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (Premium income for individual disability decreased compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.65 447.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.65 447.60 Td ( due to expected policy terminations and maturities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (Premium income for long-term care increased slightly due to rate increases. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (Net investment income was slightly higher relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.12 411.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.12 411.60 Td ( due to a higher level of invested assets, partially of) Tj ET Q q 0 0 0 rg BT 491.71 411.60 Td (fset by a lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (yield and lower miscellaneous investment income. Other income declined due to expected terminations and maturities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (Individual disability benefits experience was favorable relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.85 375.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.85 375.60 Td ( due to lower new claim volumes and a reduction in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (claim reserve discount rate taken in 2016 to recognize the impact on future portfolio yields from increased levels experienced for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (bond tenders and calls.Long-term care benefits experience was consistent with 2016 as unfavorable policyholder terminations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (due primarily to mortality experience, of) Tj ET Q q 0 0 0 rg BT 212.04 339.60 Td (fset by the impact of a lar) Tj ET Q q 0 0 0 rg BT 314.04 339.60 Td (ge group case moving to an individual policy ported status ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.11 327.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.11 327.60 Td (. ) Tj ET Q q 0 0 0 rg BT 105.06 327.60 Td (Also impacting benefits experience relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.65 327.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.65 327.60 Td ( was unfavorable mortality experience in our group pension ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (product. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (The other expense ratio was slightly higher than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.45 291.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.45 291.60 Td ( due to the expected decline in premium income for individual disability) Tj ET Q q 0 0 0 rg BT 552.88 291.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (partially of) Tj ET Q q 0 0 0 rg BT 93.47 279.60 Td (fset by our continued focus on expense management and operating ef) Tj ET Q q 0 0 0 rg BT 370.42 279.60 Td (ficiencies.) Tj ET Q endstream endobj 163 0 obj <> endobj 164 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (77) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 735.75 Td (Segment Outlook) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.33 711.75 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.33 711.75 Td (, we will continue to execute on our well-defined strategy of implementing long-term care premium rate increases, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.75 Td (ef) Tj ET Q q 0 0 0 rg BT 57.09 699.75 Td (ficient capital management, improved financial analysis, and operational ef) Tj ET Q q 0 0 0 rg BT 357.90 699.75 Td (fectiveness. Despite continued premium rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.75 Td (increases in our long-term care business, we expect overall premium income and adjusted operating revenue to decline over time ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.75 Td (as these closed blocks of business wind down. ) Tj ET Q q 0 0 0 rg BT 239.29 675.75 Td (W) Tj ET Q q 0 0 0 rg BT 247.93 675.75 Td (e will likely experience volatility in net investment income due to fluctuations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.75 Td (of miscellaneous investment income and the increased allocation towards alternative assets in the long-term care product line ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.75 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 91.81 651.75 Td (W) Tj ET Q q 0 0 0 rg BT 100.45 651.75 Td (e continuously monitor key indicators to assess our risks and attempt to adjust our business plans accordingly) Tj ET Q q 0 0 0 rg BT 537.51 651.75 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.75 Td (Profitability of our long-tailed products is af) Tj ET Q q 0 0 0 rg BT 226.51 627.75 Td (fected by claims experience related to mortality and morbidity) Tj ET Q q 0 0 0 rg BT 475.21 627.75 Td (, resolutions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.75 Td (investment returns, premium rate increases, and persistency) Tj ET Q q 0 0 0 rg BT 287.66 615.75 Td (. ) Tj ET Q q 0 0 0 rg BT 294.98 615.75 Td (W) Tj ET Q q 0 0 0 rg BT 303.62 615.75 Td (e believe that the interest adjusted loss ratios for the individual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.75 Td (disability and long-term care lines of business will be relatively flat over the long term, but these product lines may continue to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.75 Td (experience quarterly volatility) Tj ET Q q 0 0 0 rg BT 169.35 591.75 Td (, particularly in the near term for our long-term care product lines as our claim block matures and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.75 Td (as we continue the implementation of premium rate increases. Specific to our long-term care line of business, which is in loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.75 Td (recognition and should report levels of benefits plus operating expenses that equal the gross premium reported, we expect the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.75 Td (long term interest adjusted loss ratio to be in the 85 to 90 percent range with some quarterly volatility) Tj ET Q q 0 0 0 rg BT 454.31 555.75 Td (. Claim resolution rates, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.75 Td (which measure the resolution of claims from recovery) Tj ET Q q 0 0 0 rg BT 265.16 543.75 Td (, deaths, settlements, and benefit expirations, are very sensitive to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.75 Td (operational and external factors and can be volatile. Our claim resolution rate assumption used in determining reserves is our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.75 Td (expectation of the resolution rate we will experience over the life of the block of business and will vary from actual experience ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.75 Td (in any one period. It is possible that variability in any of our reserve assumptions, including, but not limited to, interest rates, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.75 Td (mortality) Tj ET Q q 0 0 0 rg BT 85.51 495.75 Td (, morbidity) Tj ET Q q 0 0 0 rg BT 129.30 495.75 Td (, resolutions, premium rate increases, benefit change elections, and persistency) Tj ET Q q 0 0 0 rg BT 443.82 495.75 Td (, could result in a material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.75 Td (impact on the adequacy of our reserves, including adjustments to reserves established under loss recognition. ) Tj ET Q endstream endobj 165 0 obj <> endobj 166 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (78) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 735.75 Td (Corporate Segment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (The Corporate segment includes investment income on corporate assets not specifically allocated to a line of business, interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.75 Td (expense on corporate debt other than non-recourse debt, and certain other corporate income and expenses not allocated to a line ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.75 Td (of business. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 61.50 661.75 Td (Operating Results ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 609.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 609.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 609.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 609.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 609.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 609.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 609.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 609.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 609.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 609.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 581.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 581.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 581.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 581.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 581.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 581.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 581.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 581.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 581.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 581.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 553.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 553.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 553.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 553.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 553.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 553.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 553.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 553.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 553.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 553.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 525.25 251.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 525.25 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 525.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 525.25 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 525.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 525.25 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 525.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 525.25 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 525.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 525.25 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 486.25 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.00 486.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 486.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 486.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 486.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.00 486.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.00 486.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.00 486.25 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.00 486.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 486.25 50.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 623.25 m 351 623.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351 623.25 m 355 623.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355 623.25 m 405 623.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405 623.25 m 409 623.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 623.25 m 459 623.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459 623.25 m 463 623.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463 623.25 m 513 623.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513 623.25 m 517 623.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 623.25 m 567 623.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 609.25 m 351 609.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355 609.25 m 405 609.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 623.25 m 459 623.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 609.25 m 459 609.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463 623.25 m 513 623.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463 609.25 m 513 609.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 623.25 m 567 623.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 609.25 m 567 609.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 567.25 m 351 567.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 567.25 m 459 567.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 567.25 m 567 567.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 553.25 m 351 553.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 567.25 m 459 567.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 553.25 m 459 553.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 567.25 m 567 567.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 553.25 m 567 553.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 525.25 m 351 525.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 525.25 m 459 525.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 525.25 m 567 525.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 525.25 m 351 525.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 472.25 m 351 472.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 472.25 m 459 472.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 472.25 m 567 472.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 472.25 m 351 472.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 459.25 m 351 459.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301 457.25 m 351 457.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 472.25 m 459 472.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 459.25 m 459 459.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409 457.25 m 459 457.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 472.25 m 567 472.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 459.25 m 567 459.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 457.25 m 567 457.25 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 641.81 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 641.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.50 641.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 627.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.20 627.82 Td (Y) Tj ET Q q 0 0 0 rg BT 388.92 627.82 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 613.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.50 613.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.80 613.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.50 613.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.80 613.82 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.50 613.82 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 599.98 Td (Adjusted Operating Revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 585.82 Td (Net Investment Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 585.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.65 585.82 Td (29.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.65 585.82 Td (37.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 585.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.50 585.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.65 585.82 Td (21.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.65 585.82 Td (15.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.15 585.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.50 585.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 585.82 Td (18.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 571.82 Td (Other Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.65 571.82 Td (2.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.30 571.87 Td (\(6.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 571.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.65 571.82 Td (2.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.30 571.87 Td (\(40.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.15 571.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 571.82 Td (4.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 557.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 557.98 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.65 557.82 Td (32.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.65 557.82 Td (32.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.65 557.82 Td (24.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 557.82 Td (3.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 557.82 Td (23.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 529.82 Td (Interest and Other Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 529.82 Td (203.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.65 529.82 Td (6.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 529.82 Td (191.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 529.82 Td (2.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 529.82 Td (186.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 500.93 Td (Loss Befor) Tj ET Q q 0 0 0 rg BT 98.24 500.93 Td (e Income ) Tj ET Q q 0 0 0 rg BT 139.16 500.93 Td (T) Tj ET Q q 0 0 0 rg BT 145.28 500.93 Td (ax and Net Realized Investment) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 490.93 Td (Gains and Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.30 490.97 Td (\(171.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 490.92 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.30 490.97 Td (\(2.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 490.92 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.30 490.97 Td (\(167.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.15 490.92 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 490.97 Td (\(2.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.15 490.92 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.30 490.92 Td (\(163.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 490.92 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 476.82 Td (Loss from Guaranty Fund ) Tj ET Q q 0 0 0 rg BT 158.05 476.82 Td (Assessment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.15 476.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.35 476.82 Td (N.M.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.65 476.82 Td (20.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.35 476.82 Td (N.M.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 476.82 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 462.93 Td (Adjusted Operating Loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 462.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.30 462.87 Td (\(171.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 462.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.30 462.87 Td (\(16.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 462.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.50 462.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.30 462.87 Td (\(146.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.15 462.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 462.82 Td (9.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.50 462.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.30 462.82 Td (\(163.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 462.82 Td (\)) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 434.81 Td (N.M. = not a meaningful per) Tj ET Q q 0 0 0 rg BT 167.48 434.81 Td (centage) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 63 405.4169921875 m 111.974609375 405.4169921875 l s q 0 0 0 rg BT 63.00 406.75 Td (Y) Tj ET Q q 0 0 0 rg BT 69.22 406.75 Td (ear Ended ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 111.974609375 405.4169921875 m 190.55859375 405.4169921875 l s q 0 0 0 rg BT 111.97 406.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 190.55859375 405.4169921875 m 306.095703125 405.4169921875 l s q 0 0 0 rg BT 190.56 406.75 Td ( Compared with ) Tj ET Q q 0 0 0 rg BT 257.12 406.75 Td (Y) Tj ET Q q 0 0 0 rg BT 263.34 406.75 Td (ear Ended ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 306.095703125 405.4169921875 m 384.6796875 405.4169921875 l s q 0 0 0 rg BT 306.10 406.75 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.68 406.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.75 Td (Net investment income was higher relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.61 382.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.61 382.75 Td ( due primarily to an increase in the level of invested assets and a higher yield. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 358.75 Td (Interest and other expenses were higher relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.30 358.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.30 358.75 Td ( due primarily to a higher level of outstanding debt, a higher overall rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 346.75 Td (of interest, increased acquisition-related expenses, and certain restructuring costs. Interest and other expenses for 2017 includes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 334.75 Td (a $20.6 million loss incurred in 2017 from a guaranty fund assessment related to an unaf) Tj ET Q q 0 0 0 rg BT 403.12 334.75 Td (filiated insurer that was declared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 322.75 Td (insolvent. See Note 14 of the "Notes to Consolidated Financial Statements" contained herein in Item 8 for further discussion on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.75 Td (the loss from a guaranty fund assessment.) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 63 285.4169921875 m 111.974609375 285.4169921875 l s q 0 0 0 rg BT 63.00 286.75 Td (Y) Tj ET Q q 0 0 0 rg BT 69.22 286.75 Td (ear Ended ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 111.974609375 285.4169921875 m 190.55859375 285.4169921875 l s q 0 0 0 rg BT 111.97 286.75 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 190.55859375 285.4169921875 m 306.095703125 285.4169921875 l s q 0 0 0 rg BT 190.56 286.75 Td ( Compared with ) Tj ET Q q 0 0 0 rg BT 257.12 286.75 Td (Y) Tj ET Q q 0 0 0 rg BT 263.34 286.75 Td (ear Ended ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 306.095703125 285.4169921875 m 384.6796875 285.4169921875 l s q 0 0 0 rg BT 306.10 286.75 Td (December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.68 286.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 262.75 Td (Net investment income was higher relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.61 262.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.61 262.75 Td ( due primarily to a higher yield on invested assets, partially of) Tj ET Q q 0 0 0 rg BT 501.15 262.75 Td (fset by a lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 250.75 Td (asset level. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 226.75 Td (Interest and other expenses were higher relative to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.30 226.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.30 226.75 Td ( due primarily to the 2017 guaranty fund assessment and an increase in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 214.75 Td (the amortization of prior period actuarial losses for our pension and other postretirement benefit plans, partially of) Tj ET Q q 0 0 0 rg BT 505.56 214.75 Td (fset by lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.75 Td (levels of outstanding debt and expenses incurred in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.67 202.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.67 202.75 Td ( related to the acquisition of Starmount. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 178.75 Td (Segment Outlook) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 154.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 154.75 Td (e expect to continue to generate excess capital on an annual basis through the statutory earnings in our insurance subsidiaries, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 142.75 Td (aided in part by the reduction in the corporate tax rate resulting from tax reform. ) Tj ET Q q 0 0 0 rg BT 375.59 142.75 Td (W) Tj ET Q q 0 0 0 rg BT 384.23 142.75 Td (e believe we are well positioned with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 130.75 Td (flexibility to preserve our capital strength while also continuing to return capital to our shareholders. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 118.75 Td ( ) Tj ET Q endstream endobj 167 0 obj <> endobj 168 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (79) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 735.75 Td (Investments) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 61.50 714.75 Td (Overview) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.75 Td (Our investment portfolio is well diversified by type of investment and industry sector) Tj ET Q q 0 0 0 rg BT 390.55 690.75 Td (. ) Tj ET Q q 0 0 0 rg BT 397.87 690.75 Td (W) Tj ET Q q 0 0 0 rg BT 406.51 690.75 Td (e have established an investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.75 Td (strategy that we believe will provide for adequate cash flows from operations and allow us to hold our securities through periods ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.75 Td (where significant decreases in fair value occur) Tj ET Q q 0 0 0 rg BT 234.41 666.75 Td (. ) Tj ET Q q 0 0 0 rg BT 241.73 666.75 Td (W) Tj ET Q q 0 0 0 rg BT 250.37 666.75 Td (e believe our emphasis on risk management in our investment portfolio, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.75 Td (including credit and interest rate management, has positioned us well and generally reduced the volatility in our results. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 630.75 Td (e have a formal investment policy that includes overall quality and diversification objectives and establishes limits by asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.75 Td (class, investment rating, and single issuer) Tj ET Q q 0 0 0 rg BT 214.75 618.75 Td (. ) Tj ET Q q 0 0 0 rg BT 222.07 618.75 Td (The majority of our investments are in investment-grade publicly traded securities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 606.75 Td (This ensures the desired liquidity and preserves the capital value of our portfolios, although due to the long-term nature of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 594.75 Td (insurance liabilities we are also able to invest in less liquid investments to obtain superior returns within the limits of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.75 Td (investment policy) Tj ET Q q 0 0 0 rg BT 120.23 582.75 Td (. Our asset mix guidelines and limits are established by us, reviewed by the risk and finance committee of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 570.75 Td (Unum Group's board of directors, and approved by the boards of directors of our insurance subsidiaries. ) Tj ET Q q 0 0 0 rg BT 470.18 570.75 Td (W) Tj ET Q q 0 0 0 rg BT 478.82 570.75 Td (e review our policies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 558.75 Td (and guidelines annually) Tj ET Q q 0 0 0 rg BT 143.83 558.75 Td (, or more frequently if deemed necessary) Tj ET Q q 0 0 0 rg BT 306.72 558.75 Td (, and recommend adjustments as appropriate. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.75 Td (See "Critical ) Tj ET Q q 0 0 0 rg BT 102.46 534.75 Td (Accounting Estimates" contained herein in this Item 7 for further discussion of our valuation of investments.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 61.50 508.75 Td (Fixed Maturity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 482.75 Td (The fair values and associated unrealized gains and losses of our fixed maturity securities portfolio, by industry classification, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 470.75 Td (are as follows:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 193.50 446.75 Td (Fixed Maturity Securities - By Industry Classification) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 255.70 434.75 Td (As of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 280.14 434.75 Td (December) Tj ET Q q 0 0 0 rg BT 323.27 434.75 Td (31, 2018) Tj ET Q BT /F2 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 335.25 134.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 184.00 335.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 188.00 335.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.00 335.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.00 335.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.00 335.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.00 335.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.00 335.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 335.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 335.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 335.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.00 335.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 335.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 307.25 134.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 184.00 307.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 188.00 307.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.00 307.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.00 307.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.00 307.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.00 307.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.00 307.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 307.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 307.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 307.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.00 307.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 307.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 279.25 134.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 184.00 279.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 188.00 279.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.00 279.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.00 279.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.00 279.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.00 279.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.00 279.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 279.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 279.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 279.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.00 279.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 279.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 251.25 134.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 184.00 251.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 188.00 251.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.00 251.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.00 251.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.00 251.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.00 251.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.00 251.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 251.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 251.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 251.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.00 251.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 251.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 223.25 134.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 184.00 223.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 188.00 223.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.00 223.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.00 223.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.00 223.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.00 223.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.00 223.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 223.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 223.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 223.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.00 223.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 223.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 195.25 134.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 184.00 195.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 188.00 195.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.00 195.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.00 195.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.00 195.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.00 195.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.00 195.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 195.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 195.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 195.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.00 195.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 195.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 153.25 134.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 184.00 153.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 188.00 153.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.00 153.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.00 153.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.00 153.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.00 153.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.00 153.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 153.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 153.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 153.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.00 153.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 153.25 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 335.25 m 184 335.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 188 335.25 m 248 335.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252 335.25 m 312 335.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316 335.25 m 376 335.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380 335.25 m 440 335.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444 335.25 m 504 335.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 335.25 m 568 335.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252 335.25 m 312 335.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316 335.25 m 376 335.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380 335.25 m 440 335.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444 335.25 m 504 335.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 335.25 m 568 335.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 188 139.25 m 248 139.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252 139.25 m 312 139.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316 139.25 m 376 139.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380 139.25 m 440 139.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444 139.25 m 504 139.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 139.25 m 568 139.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 188 126.25 m 248 126.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 188 124.25 m 248 124.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252 126.25 m 312 126.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252 124.25 m 312 124.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316 126.25 m 376 126.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316 124.25 m 376 124.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380 126.25 m 440 126.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380 124.25 m 440 124.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444 126.25 m 504 126.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444 124.25 m 504 124.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 126.25 m 568 126.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 124.25 m 568 124.25 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 414.81 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.50 414.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.50 414.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.50 414.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.50 414.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.50 414.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.50 414.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.00 339.92 Td (Classification) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.90 339.92 Td (Fair ) Tj ET Q q 0 0 0 rg BT 215.42 339.92 Td (V) Tj ET Q q 0 0 0 rg BT 222.00 339.92 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.25 359.92 Td (Net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.55 349.92 Td (Unrealized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.75 339.92 Td (Gain \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.45 399.92 Td (Fair ) Tj ET Q q 0 0 0 rg BT 337.97 399.92 Td (V) Tj ET Q q 0 0 0 rg BT 344.55 399.92 Td (alue of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.10 389.92 Td (Fixed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.00 379.92 Td (Maturity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.75 369.92 Td (Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 359.92 Td (with Gross) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.55 349.92 Td (Unrealized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.05 339.92 Td (Loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.80 359.92 Td (Gross) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.55 349.92 Td (Unrealized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.05 339.92 Td (Loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 399.92 Td (Fair ) Tj ET Q q 0 0 0 rg BT 465.97 399.92 Td (V) Tj ET Q q 0 0 0 rg BT 472.55 399.92 Td (alue of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.10 389.92 Td (Fixed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.00 379.92 Td (Maturity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.75 369.92 Td (Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.65 359.92 Td (with Gross) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.55 349.92 Td (Unrealized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.75 339.92 Td (Gain) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.80 359.92 Td (Gross) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.55 349.92 Td (Unrealized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.75 339.92 Td (Gain) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 325.82 Td (Basic Industry) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.50 325.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.15 325.82 Td (2,839.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.50 325.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.65 325.82 Td (67.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.50 325.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 325.82 Td (1,288.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.50 325.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 325.82 Td (80.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.50 325.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.15 325.82 Td (1,551.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.50 325.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 325.82 Td (147.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 311.82 Td (Capital Goods) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.15 311.82 Td (4,139.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.65 311.82 Td (233.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 311.82 Td (1,266.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 311.82 Td (74.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.15 311.82 Td (2,872.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 311.82 Td (308.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 297.82 Td (Communications) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.15 297.82 Td (2,819.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.65 297.82 Td (202.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.65 297.82 Td (904.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 297.82 Td (58.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.15 297.82 Td (1,915.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 297.82 Td (260.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 283.82 Td (Consumer Cyclical) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.15 283.82 Td (1,366.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.65 283.82 Td (50.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.65 283.82 Td (592.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 283.82 Td (28.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 283.82 Td (774.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 283.82 Td (79.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 269.82 Td (Consumer Non-Cyclical) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.15 269.82 Td (6,449.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.65 269.82 Td (241.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 269.82 Td (2,741.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 269.82 Td (205.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.15 269.82 Td (3,708.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 269.82 Td (446.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 255.82 Td (Ener) Tj ET Q q 0 0 0 rg BT 71.29 255.82 Td (gy) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.15 255.82 Td (4,498.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.65 255.82 Td (270.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 255.82 Td (1,373.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 255.82 Td (103.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.15 255.82 Td (3,125.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 255.82 Td (373.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 241.82 Td (Financial Institutions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.15 241.82 Td (3,076.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.65 241.82 Td (1) Tj ET Q q 0 0 0 rg BT 290.65 241.82 Td (17.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 241.82 Td (1,234.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 241.82 Td (48.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.15 241.82 Td (1,841.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 241.82 Td (165.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 227.82 Td (Mortgage/Asset-Backed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.15 227.82 Td (1,582.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.65 227.82 Td (58.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.65 227.82 Td (283.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.65 227.82 Td (8.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.15 227.82 Td (1,299.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 227.82 Td (67.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 213.82 Td (Sovereigns) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.65 213.82 Td (983.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.65 213.82 Td (157.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.65 213.82 Td (70.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.65 213.82 Td (4.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 213.82 Td (913.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 213.82 Td (162.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 199.82 Td (T) Tj ET Q q 0 0 0 rg BT 58.26 199.82 Td (echnology) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.15 199.82 Td (1,554.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.30 199.87 Td (\(2.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.15 199.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.65 199.82 Td (870.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 199.82 Td (35.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 199.82 Td (684.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 199.82 Td (33.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 185.82 Td (T) Tj ET Q q 0 0 0 rg BT 58.43 185.82 Td (ransportation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.15 185.82 Td (2,050.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.65 185.82 Td (137.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.65 185.82 Td (693.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 185.82 Td (29.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.15 185.82 Td (1,357.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 185.82 Td (167.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 171.82 Td (U.S. Government ) Tj ET Q q 0 0 0 rg BT 124.99 171.82 Td (Agencies and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 161.82 Td (Municipalities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.15 157.92 Td (4,238.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.65 157.92 Td (415.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.65 157.92 Td (529.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 157.92 Td (15.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.15 157.92 Td (3,709.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 157.92 Td (430.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 143.82 Td (Public Utilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.15 143.82 Td (7,412.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.65 143.82 Td (786.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 143.82 Td (1,065.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 143.82 Td (63.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.15 143.82 Td (6,347.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 143.82 Td (850.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 129.82 Td (T) Tj ET Q q 0 0 0 rg BT 57.91 129.82 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.50 129.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.15 129.82 Td (43,01) Tj ET Q q 0 0 0 rg BT 231.65 129.82 Td (1.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.50 129.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.15 129.82 Td (2,736.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.50 129.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.15 129.82 Td (12,912.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.50 129.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 129.82 Td (756.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.50 129.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.15 129.82 Td (30,099.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.50 129.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 129.82 Td (3,492.9) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 169 0 obj <> endobj 170 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (80) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (The following two tables show the length of time our investment-grade and below-investment-grade fixed maturity securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (had been in a gross unrealized loss position as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.23 723.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.82 723.60 Td ( and at the end of the prior four quarters. ) Tj ET Q q 0 0 0 rg BT 492.80 723.60 Td (The relationships ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (of the current fair value to amortized cost are not necessarily indicative of the fair value to amortized cost relationships for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (securities throughout the entire time that the securities have been in an unrealized loss position nor are they necessarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (indicative of the relationships after ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.39 687.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.98 687.60 Td (. ) Tj ET Q q 0 0 0 rg BT 277.30 687.60 Td (The increase in the unrealized loss on fixed maturity securities during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 675.60 Td ( was due to an increase in credit spreads and U.S. ) Tj ET Q q 0 0 0 rg BT 269.53 675.60 Td (T) Tj ET Q q 0 0 0 rg BT 275.29 675.60 Td (reasury rates. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 171.10 651.60 Td (Unr) Tj ET Q q 0 0 0 rg BT 188.14 651.60 Td (ealized Loss on Investment-Grade Fixed Maturity Securities ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 216.00 639.60 Td (Length of ) Tj ET Q q 0 0 0 rg BT 259.71 639.60 Td (T) Tj ET Q q 0 0 0 rg BT 266.20 639.60 Td (ime in Unr) Tj ET Q q 0 0 0 rg BT 312.13 639.60 Td (ealized Loss Position) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 587.10 209.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.25 587.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.25 587.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.25 587.10 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.25 587.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.25 587.10 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 587.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.25 587.10 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 587.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 587.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 560.10 209.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.25 560.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.25 560.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.25 560.10 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.25 560.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.25 560.10 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 560.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.25 560.10 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 560.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 560.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 532.10 209.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.25 532.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.25 532.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.25 532.10 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.25 532.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.25 532.10 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 532.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.25 532.10 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 532.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 532.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 504.10 209.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.25 504.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.25 504.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.25 504.10 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.25 504.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.25 504.10 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 504.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.25 504.10 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 504.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 504.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 476.10 209.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.25 476.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.25 476.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.25 476.10 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.25 476.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.25 476.10 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 476.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.25 476.10 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 476.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 476.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 448.10 209.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.25 448.10 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.25 448.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.25 448.10 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.25 448.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.25 448.10 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 448.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.25 448.10 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 448.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 448.10 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 421.10 209.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.25 421.10 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.25 421.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.25 421.10 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.25 421.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.25 421.10 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 421.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.25 421.10 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 421.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 421.10 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 394.10 209.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.25 394.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.25 394.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.25 394.10 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.25 394.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.25 394.10 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 394.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.25 394.10 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 394.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 394.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 366.10 209.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.25 366.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.25 366.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.25 366.10 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.25 366.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.25 366.10 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 366.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.25 366.10 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 366.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 366.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 338.10 209.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.25 338.10 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.25 338.10 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.25 338.10 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.25 338.10 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.25 338.10 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 338.10 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.25 338.10 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 338.10 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 338.10 60.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.25 601.1 m 318.25 601.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.25 601.1 m 322.25 601.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.25 601.1 m 384.25 601.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.25 601.1 m 388.25 601.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 601.1 m 443.25 601.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.25 601.1 m 447.25 601.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 601.1 m 502.25 601.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 601.1 m 566.25 601.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.25 587.1 m 318.25 587.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.25 587.1 m 384.25 587.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 587.1 m 443.25 587.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 587.1 m 502.25 587.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 601.1 m 566.25 601.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 587.1 m 566.25 587.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.25 462.1 m 318.25 462.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.25 462.1 m 384.25 462.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 462.1 m 443.25 462.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 462.1 m 502.25 462.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 462.1 m 566.25 462.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.25 448.1 m 318.25 448.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.25 448.1 m 384.25 448.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 448.1 m 443.25 448.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 448.1 m 502.25 448.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 448.1 m 566.25 448.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.25 352.1 m 318.25 352.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.25 352.1 m 384.25 352.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 352.1 m 443.25 352.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 352.1 m 502.25 352.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 352.1 m 566.25 352.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.25 352.1 m 318.25 352.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.25 338.1 m 318.25 338.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.25 352.1 m 384.25 352.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.25 338.1 m 384.25 338.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 352.1 m 443.25 352.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 338.1 m 443.25 338.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 352.1 m 502.25 352.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 338.1 m 502.25 338.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 352.1 m 566.25 352.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 338.1 m 566.25 338.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.25 313.1 m 318.25 313.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.25 311.1 m 318.25 311.1 l s 0 0 0 RG 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591.67 Td (December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.10 591.67 Td (September 30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.80 591.67 Td (June 30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.95 591.67 Td (March 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.95 591.67 Td (December 31) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 51.75 577.66 Td (Fair V) Tj ET Q q 0 0 0 rg BT 77.58 577.66 Td (alue < 100% >= 70% of ) Tj ET Q q 0 0 0 rg BT 178.84 577.66 Td (Amortized Cost) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 550.67 Td (<= 90 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.75 550.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.90 550.67 Td (52.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.75 550.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.90 550.67 Td (25.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.75 550.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 550.67 Td (56.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.75 550.67 Td 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616.25 209.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.25 616.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.25 616.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.25 616.25 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.25 616.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.25 616.25 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 616.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.25 616.25 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 616.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 616.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 588.25 209.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.25 588.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.25 588.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.25 588.25 62.00 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gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.25 560.25 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 560.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 560.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 532.25 209.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.25 532.25 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.25 532.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.25 532.25 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.25 532.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.25 532.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 532.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.25 532.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 532.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 532.25 60.00 -13.00 re f /GS0 gs 0.8 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0.9333333333333333 1 rg /GS0 gs 322.25 478.25 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.25 478.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.25 478.25 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 478.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.25 478.25 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 478.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 478.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 450.25 209.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.25 450.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.25 450.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.25 450.25 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.25 450.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.25 450.25 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 450.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.25 450.25 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 450.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 450.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 423.25 209.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.25 423.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.25 423.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.25 423.25 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.25 423.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.25 423.25 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 423.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.25 423.25 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 423.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 423.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 396.25 209.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.25 396.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.25 396.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.25 396.25 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.25 396.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.25 396.25 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 396.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.25 396.25 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 396.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 396.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 368.25 209.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.25 368.25 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.25 368.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.25 368.25 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.25 368.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.25 368.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 368.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.25 368.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 368.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 368.25 60.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.25 685.25 m 318.25 685.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.25 685.25 m 322.25 685.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.25 685.25 m 384.25 685.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.25 685.25 m 388.25 685.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 685.25 m 443.25 685.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.25 685.25 m 447.25 685.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 685.25 m 502.25 685.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 685.25 m 566.25 685.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.25 671.25 m 318.25 671.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.25 685.25 m 384.25 685.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.25 671.25 m 384.25 671.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.25 685.25 m 388.25 685.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 685.25 m 443.25 685.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 671.25 m 443.25 671.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.25 685.25 m 447.25 685.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 685.25 m 502.25 685.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 671.25 m 502.25 671.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 685.25 m 566.25 685.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 671.25 m 566.25 671.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.25 546.25 m 318.25 546.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.25 546.25 m 384.25 546.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 546.25 m 443.25 546.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 546.25 m 502.25 546.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 546.25 m 566.25 546.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.25 532.25 m 318.25 532.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.25 532.25 m 384.25 532.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 532.25 m 443.25 532.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 532.25 m 502.25 532.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 532.25 m 566.25 532.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.25 450.25 m 318.25 450.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.25 450.25 m 384.25 450.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 450.25 m 443.25 450.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 450.25 m 502.25 450.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 450.25 m 566.25 450.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.25 436.25 m 318.25 436.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.25 436.25 m 384.25 436.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 436.25 m 443.25 436.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 436.25 m 502.25 436.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 436.25 m 566.25 436.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 382.25 m 566.25 382.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.25 382.25 m 318.25 382.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.25 368.25 m 318.25 368.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.25 382.25 m 384.25 382.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.25 368.25 m 384.25 368.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 382.25 m 443.25 382.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 368.25 m 443.25 368.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 382.25 m 502.25 382.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 368.25 m 502.25 368.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 382.25 m 566.25 382.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 368.25 m 566.25 368.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.25 342.25 m 318.25 342.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.25 340.25 m 318.25 340.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.25 342.25 m 384.25 342.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.25 340.25 m 384.25 340.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 342.25 m 443.25 342.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 340.25 m 443.25 340.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 342.25 m 502.25 342.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.25 340.25 m 502.25 340.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 342.25 m 566.25 342.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 340.25 m 566.25 340.25 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 51.75 703.81 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 689.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.75 689.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.75 689.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 675.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.95 675.82 Td (December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.10 675.82 Td (September 30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.80 675.82 Td (June 30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.95 675.82 Td (March 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.95 675.82 Td (December 31) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 51.75 661.81 Td (Fair V) Tj ET Q q 0 0 0 rg BT 77.58 661.81 Td (alue < 100% >= 70% of ) Tj ET Q q 0 0 0 rg BT 178.84 661.81 Td (Amortized Cost) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 634.82 Td (<= 90 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.75 634.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.90 634.82 Td (39.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.75 634.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.90 634.82 Td (2.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.75 634.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.90 634.82 Td (6.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.75 634.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.90 634.82 Td (19.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.75 634.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.90 634.82 Td (4.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 620.82 Td (> 90 <= 180 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.90 620.82 Td (19.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.90 620.82 Td (6.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 620.82 Td (29.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.90 620.82 Td (13.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.90 620.82 Td (1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 606.82 Td (> 180 <= 270 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.90 606.82 Td (1) Tj ET Q q 0 0 0 rg BT 301.90 606.82 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.90 606.82 Td (19.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 606.82 Td (14.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.90 606.82 Td (2.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.90 606.82 Td (0.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 592.82 Td (> 270 days <= 1 year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.90 592.82 Td (52.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.90 592.82 Td (1) Tj ET Q q 0 0 0 rg BT 367.90 592.82 Td (1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.90 592.82 Td (4.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.40 592.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.90 592.82 Td (0.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 578.82 Td (> 1 year <= 2 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.90 578.82 Td (27.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.90 578.82 Td (13.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 578.82 Td (10.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.90 578.82 Td (10.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.90 578.82 Td (2.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 564.82 Td (> 2 years <= 3 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.90 564.82 Td (4.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.90 564.82 Td (1.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.90 564.82 Td (9.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.90 564.82 Td (13.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 564.82 Td (13.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 550.82 Td (> 3 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.90 550.82 Td (31.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.90 550.82 Td (24.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 550.82 Td (22.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.90 550.82 Td (26.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 550.82 Td (19.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 536.82 Td (Sub-total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.90 536.82 Td (186.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.90 536.82 Td (80.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 536.82 Td (97.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.90 536.82 Td (86.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 536.82 Td (42.7) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 51.75 509.81 Td (Fair V) Tj ET Q q 0 0 0 rg BT 77.58 509.81 Td (alue < 70% >= 40% of ) Tj ET Q q 0 0 0 rg BT 173.84 509.81 Td (Amortized Cost) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 482.82 Td (> 1 year <= 2 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.90 482.82 Td (0.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.40 482.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.40 482.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.40 482.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 482.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 468.82 Td (> 2 years <= 3 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.90 468.82 Td (1) Tj ET Q q 0 0 0 rg BT 301.90 468.82 Td (1.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.40 468.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.90 468.82 Td (5.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.90 468.82 Td (7.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.90 468.82 Td (7.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 454.82 Td (> 3 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.90 454.82 Td (17.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.90 454.82 Td (5.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.40 454.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.40 454.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.90 454.82 Td (7.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 440.82 Td (Sub-total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.90 440.82 Td (29.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.90 440.82 Td (5.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.90 440.82 Td (5.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.90 440.82 Td (7.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 440.82 Td (14.3) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 51.75 413.81 Td (Fair V) Tj ET Q q 0 0 0 rg BT 77.03 413.81 Td (alue < 40% of ) Tj ET Q q 0 0 0 rg BT 136.92 413.81 Td (Amortized Cost) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 386.82 Td (> 3 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.90 386.82 Td (1) Tj ET Q q 0 0 0 rg BT 301.90 386.82 Td (1.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.40 386.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.40 386.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.40 386.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 386.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 372.82 Td (Sub-total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.90 372.82 Td (1) Tj ET Q q 0 0 0 rg BT 301.90 372.82 Td (1.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.40 372.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.40 372.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.40 372.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 372.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 345.82 Td (T) Tj ET Q q 0 0 0 rg BT 57.16 345.82 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.75 345.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.90 345.82 Td (226.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.75 345.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.90 345.82 Td (85.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.75 345.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.90 345.82 Td (102.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.75 345.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.90 345.82 Td (94.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.75 345.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 345.82 Td (57.0) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 313.75 Td (At) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 313.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.58 313.75 Td (, we held two below-investment grade fixed maturity securities with a gross unrealized loss greater than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 301.75 Td ($10.0 million. One security is related to a global pharmaceutical company and had a fair value of $61.5 million and a gross ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 289.75 Td (unrealized loss of $15.5 million. ) Tj ET Q q 0 0 0 rg BT 183.74 289.75 Td (The other security is related to a U.S. based oil and natural gas producer and had a fair value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 277.75 Td ($5.0 million and a gross unrealized loss of $1) Tj ET Q q 0 0 0 rg BT 231.04 277.75 Td (1.0 million. ) Tj ET Q q 0 0 0 rg BT 282.25 277.75 Td (W) Tj ET Q q 0 0 0 rg BT 290.89 277.75 Td (e also held one investment grade fixed maturity security at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 265.75 Td (December 31, 2018 related to a lar) Tj ET Q q 0 0 0 rg BT 187.87 265.75 Td (ge U.S. based utility with a fair value of $99.5 million and a gross unrealized loss of $7.3 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 253.75 Td (million which, in January 2019, filed for reor) Tj ET Q q 0 0 0 rg BT 230.11 253.75 Td (ganization under Chapter 1) Tj ET Q q 0 0 0 rg BT 338.31 253.75 Td (1 in the U.S. Bankruptcy Court and was downgraded to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 241.75 Td (below-investment grade. ) Tj ET Q q 0 0 0 rg BT 153.18 241.75 Td (W) Tj ET Q q 0 0 0 rg BT 161.81 241.75 Td (e intend to and have the ability to continue to hold these securities to maturity and believe that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 229.75 Td (declines in fair value are temporary) Tj ET Q q 0 0 0 rg BT 190.73 229.75 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 205.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 205.75 Td (e had no individual realized investment losses of $10.0 million or greater from other) Tj ET Q q 0 0 0 rg BT 395.07 205.75 Td (-than-temporary impairments during 2018 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 193.75 Td (or 2017 and no individual realized investment losses of $10.0 million or greater from the sale of fixed maturity securities during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 181.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 181.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.50 181.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.50 181.75 Td (, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.33 181.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.33 181.75 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 157.75 Td (During 2016, we recognized an other) Tj ET Q q 0 0 0 rg BT 198.14 157.75 Td (-than-temporary impairment loss of $1) Tj ET Q q 0 0 0 rg BT 352.73 157.75 Td (1.6 million on fixed maturity securities issued by a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 145.75 Td (lar) Tj ET Q q 0 0 0 rg BT 59.87 145.75 Td (ge U.S.-based ener) Tj ET Q q 0 0 0 rg BT 135.21 145.75 Td (gy company) Tj ET Q q 0 0 0 rg BT 183.72 145.75 Td (. ) Tj ET Q q 0 0 0 rg BT 190.67 145.75 Td (At the time of the impairment loss, the company had a high debt-to-equity ratio, and its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 133.75 Td (projected liquidity had decreased significantly as a result of the declines in oil prices and the likelihood that prices may stay at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 121.75 Td (depressed levels for an extended period of time. ) Tj ET Q q 0 0 0 rg BT 245.92 121.75 Td (The company has assets it can sell, but liquidation may be dif) Tj ET Q q 0 0 0 rg BT 491.79 121.75 Td (ficult in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 109.75 Td (current environment. ) Tj ET Q q 0 0 0 rg BT 137.81 109.75 Td (Additionally) Tj ET Q q 0 0 0 rg BT 187.71 109.75 Td (, the lower oil prices resulted in the company's banks significantly reducing the availability on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 97.75 Td (the company) Tj ET Q q 0 0 0 rg BT 103.65 97.75 Td (s revolving line of credit. ) Tj ET Q q 0 0 0 rg BT 208.90 97.75 Td (At the time of the impairment loss, these securities had been in an unrealized loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 85.75 Td (position for a period of greater than one year but less than two years.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 61.75 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 61.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.58 61.75 Td (, our mortgage/asset-backed securities had an average life of 6.38 years, ef) Tj ET Q q 0 0 0 rg BT 438.61 61.75 Td (fective duration of 5.06 years, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 49.75 Td (and a weighted average credit rating of ) Tj ET Q q 0 0 0 rg BT 207.48 49.75 Td (Aaa. ) Tj ET Q q 0 0 0 rg BT 230.90 49.75 Td (The mortgage/asset-backed securities are valued on a monthly basis using ) Tj ET Q endstream endobj 173 0 obj <> endobj 174 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (82) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (valuations supplied by the brokerage firms that are dealers in these securities as well as independent pricing services. One of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (risks involved in investing in mortgage/asset-backed securities is the uncertainty of the timing of cash flows from the underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (loans due to prepayment of principal with the possibility of reinvesting the funds in a lower interest rate environment. ) Tj ET Q q 0 0 0 rg BT 525.04 711.60 Td (W) Tj ET Q q 0 0 0 rg BT 533.67 711.60 Td (e use ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (models which incorporate economic variables and possible future interest rate scenarios to predict future prepayment rates. ) Tj ET Q q 0 0 0 rg BT 546.36 699.60 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (timing of prepayment cash flows may also cause volatility in our recognition of investment income. ) Tj ET Q q 0 0 0 rg BT 453.39 687.60 Td (W) Tj ET Q q 0 0 0 rg BT 462.03 687.60 Td (e recognize investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (income on these securities using a constant ef) Tj ET Q q 0 0 0 rg BT 231.77 675.60 Td (fective yield based on projected prepayments of the underlying loans and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (estimated economic life of the securities. ) Tj ET Q q 0 0 0 rg BT 217.78 663.60 Td (Actual prepayment experience is reviewed periodically) Tj ET Q q 0 0 0 rg BT 437.86 663.60 Td (, and ef) Tj ET Q q 0 0 0 rg BT 467.39 663.60 Td (fective yields are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (recalculated when dif) Tj ET Q q 0 0 0 rg BT 135.38 651.60 Td (ferences arise between prepayments originally projected and the actual prepayments received and currently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (projected. ) Tj ET Q q 0 0 0 rg BT 94.02 639.60 Td (The ef) Tj ET Q q 0 0 0 rg BT 119.66 639.60 Td (fective yield is recalculated on a retrospective basis, and the adjustment is reflected in net investment income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 615.60 Td (e have no exposure to subprime mortgages, "Alt-A" loans, or collateralized debt obligations in our investment portfolios. ) Tj ET Q q 0 0 0 rg BT 546.84 615.60 Td (W) Tj ET Q q 0 0 0 rg BT 555.48 615.60 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (have not invested in mortgage-backed derivatives, such as interest-only) Tj ET Q q 0 0 0 rg BT 334.59 603.60 Td (, principal-only) Tj ET Q q 0 0 0 rg BT 395.59 603.60 Td (, or residuals, where market values can be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (highly volatile relative to changes in interest rates. ) Tj ET Q q 0 0 0 rg BT 255.92 591.60 Td (The credit quality of our mortgage-backed securities portfolio has not been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (negatively impacted by the issues in the market concerning subprime mortgage loans. ) Tj ET Q q 0 0 0 rg BT 397.00 579.60 Td (The change in value of our mortgage-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (backed securities portfolio has moved in line with that of prime agency-backed mortgage-backed securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.94 543.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.53 543.60 Td (, the amortized cost and fair value of our below-investment-grade fixed maturity securities was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td ($3,236.8 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.89 531.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.33 531.60 Td ($3,038.6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.72 531.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 254.38 531.60 Td (. Below-investment-grade securities are inherently riskier than investment-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (grade securities since the risk of default by the issuer) Tj ET Q q 0 0 0 rg BT 260.97 519.60 Td (, by definition and as exhibited by bond rating, is higher) Tj ET Q q 0 0 0 rg BT 484.83 519.60 Td (. ) Tj ET Q q 0 0 0 rg BT 491.78 519.60 Td (Also, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (secondary market for certain below-investment-grade issues can be highly illiquid. ) Tj ET Q q 0 0 0 rg BT 384.95 507.60 Td (Additional downgrades may occur) Tj ET Q q 0 0 0 rg BT 522.57 507.60 Td (, but we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (do not anticipate any liquidity problems resulting from our investments in below-investment-grade securities, nor do we expect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (these investments to adversely af) Tj ET Q q 0 0 0 rg BT 181.50 483.60 Td (fect our ability to hold our other investments to maturity) Tj ET Q q 0 0 0 rg BT 406.09 483.60 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 61.50 459.60 Td (Fixed ) Tj ET Q q 0 0 0 rg BT 87.89 459.60 Td (Maturity ) Tj ET Q q 0 0 0 rg BT 126.50 459.60 Td (Securities ) Tj ET Q q 0 0 0 rg BT 169.56 459.60 Td (- ) Tj ET Q q 0 0 0 rg BT 175.39 459.60 Td (Foreign ) Tj ET Q q 0 0 0 rg BT 211.23 459.60 Td (Exposure) Tj ET Q /GS0 gs q 2.50 0 0 9.93 250.68 457.44 cm /I19 Do Q BT /F3 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (Our investments in issuers in foreign countries are chosen for specific portfolio management purposes, including asset and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (liability management and portfolio diversification across geographic lines and sectors to minimize non-market risks. In our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (approach to investing in fixed maturity securities, specific investments within approved countries and industry sectors are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (evaluated for their market position and specific strengths and potential weaknesses. For each security) Tj ET Q q 0 0 0 rg BT 456.22 399.60 Td (, we consider the political, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (legal, and financial environment of the sovereign entity in which an issuer is domiciled and operates. ) Tj ET Q q 0 0 0 rg BT 457.81 387.60 Td (The country of domicile is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (based on consideration of the issuer's headquarters, in addition to location of the assets and the country in which the majority of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (sales and earnings are derived. ) Tj ET Q q 0 0 0 rg BT 176.77 363.60 Td (W) Tj ET Q q 0 0 0 rg BT 185.40 363.60 Td (e do not have exposure to foreign currency risk, as the cash flows from these investments are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (either denominated in currencies or hedged into currencies to match the related liabilities. ) Tj ET Q q 0 0 0 rg BT 412.79 351.60 Td (W) Tj ET Q q 0 0 0 rg BT 421.43 351.60 Td (e continually evaluate our foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (investment ) Tj ET Q q 0 0 0 rg BT 95.88 339.60 Td (risk ) Tj ET Q q 0 0 0 rg BT 113.38 339.60 Td (exposure.) Tj ET Q /GS0 gs q 2.50 0 0 10.09 151.98 337.44 cm /I20 Do Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (Our monitoring is heightened for investments in certain countries due to our concerns over the current economic and political ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (environments, and we believe these investments are more vulnerable to potential credit problems. ) Tj ET Q q 0 0 0 rg BT 444.38 303.60 Td (At) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.88 303.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.46 303.60 Td (, we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (had minimal exposure in those countries and had no direct exposure to financial institutions of those countries.) Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 265.60 Td (Mortgage Loans) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 49.50 248.53 88.03 -9.09 re f /GS0 gs q 0 0 0 rg BT 49.50 241.60 Td (Our mortgage loan po) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.53 241.60 Td (rtfolio was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.08 241.60 Td ($2,295.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.47 241.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.91 241.60 Td ($2,213.2 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.30 241.60 Td ( on an amortized cost basis at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.54 241.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.13 241.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 229.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 229.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 122.16 229.60 Td (. Our mortgage loan portfolio is comprised entirely of commercial mortgage loans. ) Tj ET Q q 0 0 0 rg BT 460.77 229.60 Td (W) Tj ET Q q 0 0 0 rg BT 469.41 229.60 Td (e believe our mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 217.60 Td (loan portfolio is well diversified geographically and among property types. ) Tj ET Q q 0 0 0 rg BT 354.24 217.60 Td (The incidence of problem mortgage loans and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 205.60 Td (foreclosure activity continues to be low) Tj ET Q q 0 0 0 rg BT 206.86 205.60 Td (. Due to conservative underwriting, we expect the level of problem loans to remain low ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 193.60 Td (relative to the industry) Tj ET Q q 0 0 0 rg BT 139.10 193.60 Td (. ) Tj ET Q q 0 0 0 rg BT 146.42 193.60 Td (W) Tj ET Q q 0 0 0 rg BT 155.06 193.60 Td (e held one impaired mortgage loan at December 31, 2018 with a net realizable value of $3.4 million, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 181.60 Td (net of a valuation allowance of $0.2 million. ) Tj ET Q q 0 0 0 rg BT 231.77 181.60 Td (W) Tj ET Q q 0 0 0 rg BT 240.41 181.60 Td (e held no impaired mortgage loans at December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.78 181.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.78 181.60 Td (. ) Tj ET Q endstream endobj 175 0 obj <> endobj 176 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (83) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 61.50 735.75 Td (Derivative Financial Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 711.75 Td (e use derivative financial instruments primarily to manage reinvestment, duration, foreign currency) Tj ET Q q 0 0 0 rg BT 454.29 711.75 Td (, and credit risks. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.75 Td (Historically) Tj ET Q q 0 0 0 rg BT 96.06 699.75 Td (, we have utilized current and forward interest rate swaps and options on forward interest rate swaps and U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.75 Td (T) Tj ET Q q 0 0 0 rg BT 55.26 687.75 Td (reasury rates, current and forward currency swaps, forward treasury locks, currency forward contracts, forward contracts on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.75 Td (specific fixed income securities, and credit default swaps. Our credit exposure on derivatives, which is limited to the value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.75 Td (those contracts in a net gain position, including accrued interest receivable less collateral held, was $0.9 million at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.52 663.75 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 651.75 Td (. ) Tj ET Q q 0 0 0 rg BT 76.82 651.75 Td (W) Tj ET Q q 0 0 0 rg BT 85.46 651.75 Td (e held ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.11 651.75 Td ($24.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.00 651.75 Td ( of cash collateral from our counterparties at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.93 651.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.51 651.75 Td (. ) Tj ET Q q 0 0 0 rg BT 431.83 651.75 Td (The carrying value of fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.75 Td (maturity securities posted as collateral to our counterparties was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.58 639.75 Td ($33.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.47 639.75 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.69 639.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.27 639.75 Td (. ) Tj ET Q q 0 0 0 rg BT 460.59 639.75 Td (W) Tj ET Q q 0 0 0 rg BT 469.23 639.75 Td (e had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.11 639.75 Td (nine hundred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.75 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.61 627.75 Td ( cash collateral posted to our counterparties at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.65 627.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.23 627.75 Td (. ) Tj ET Q q 0 0 0 rg BT 357.55 627.75 Td (W) Tj ET Q q 0 0 0 rg BT 366.19 627.75 Td (e believe that our credit risk is mitigated by our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.75 Td (use of multiple counterparties, all of which have an investment-grade credit rating, and by our use of cross-collateralization ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.75 Td (agreements.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 61.50 577.75 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 553.75 Td (Our exposure to non-current investments, defined as foreclosed real estate and invested assets which are delinquent as to interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 541.75 Td (and/or principal payments, totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.63 541.75 Td ($36.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.52 541.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.96 541.75 Td ($32.9 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.85 541.75 Td ( on a fair value basis at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.54 541.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.12 541.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.56 541.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.56 541.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 529.75 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.16 529.75 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 505.75 Td (See Notes 3 and 4 of the "Notes to Consolidated Financial Statements" contained herein in Item8 for further discussion of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 493.75 Td (investments and our derivative financial instruments.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 469.75 Td (Liquidity and Capital Resour) Tj ET Q q 0 0 0 rg BT 175.18 469.75 Td (ces) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 61.50 448.75 Td (Overview ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 424.75 Td (Our liquidity requirements are met primarily by cash flows provided from operations, principally in our insurance subsidiaries. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 412.75 Td (Premium and investment income, as well as maturities and sales of invested assets, provide the primary sources of cash. Debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 400.75 Td (and/or securities of) Tj ET Q q 0 0 0 rg BT 125.96 400.75 Td (ferings provide additional sources of liquidity) Tj ET Q q 0 0 0 rg BT 308.33 400.75 Td (. Cash is applied to the payment of policy benefits, costs of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 388.75 Td (acquiring new business \(principally commissions\), operating expenses, and taxes, as well as purchases of new investments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 364.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 364.75 Td (e have established an investment strategy that we believe will provide for adequate cash flows from operations. ) Tj ET Q q 0 0 0 rg BT 508.09 364.75 Td (W) Tj ET Q q 0 0 0 rg BT 516.73 364.75 Td (e attempt to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 352.75 Td (match our asset cash flows and durations with expected liability cash flows and durations to meet the funding requirements of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 340.75 Td (our business. However) Tj ET Q q 0 0 0 rg BT 142.97 340.75 Td (, deterioration in the credit market may delay our ability to sell our positions in certain of our fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 328.75 Td (maturity securities in a timely manner and adversely impact the price we receive for such securities, which may negatively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 316.75 Td (impact our cash flows. Furthermore, if we experience defaults on securities held in the investment portfolios of our insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 304.75 Td (subsidiaries, this will negatively impact statutory capital, which could reduce our insurance subsidiaries' capacity to pay ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 292.75 Td (dividends to our holding companies. ) Tj ET Q q 0 0 0 rg BT 199.76 292.75 Td (A) Tj ET Q q 0 0 0 rg BT 206.43 292.75 Td ( reduction in dividends to our holding companies could force us to seek external ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 280.75 Td (financing to avoid impairing our ability to pay dividends to our stockholders or meet our debt and other payment obligations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 256.75 Td (Our policy benefits are primarily in the form of claim payments, and we have minimal exposure to the policy withdrawal risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 244.75 Td (associated with deposit products such as individual life policies or annuities. ) Tj ET Q q 0 0 0 rg BT 359.72 244.75 Td (A) Tj ET Q q 0 0 0 rg BT 366.39 244.75 Td ( decrease in demand for our insurance products or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 232.75 Td (an increase in the incidence of new claims or the duration of existing claims could negatively impact our cash flows from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 220.75 Td (operations. However) Tj ET Q q 0 0 0 rg BT 134.91 220.75 Td (, our historical pattern of benefits paid to revenues is generally consistent, even during cycles of economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 208.75 Td (downturns, which serves to minimize liquidity risk.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 184.75 Td (The liquidity requirements of the holding company Unum Group include common stock dividends, interest and debt service, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 172.75 Td (acquisitions, and ongoing investments in our businesses. Unum Group's liquidity requirements are met by assets held by Unum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 160.75 Td (Group and our intermediate holding companies, dividends from primarily our insurance subsidiaries, and issuance of common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 148.75 Td (stock, debt, or other capital securities and borrowings from existing credit facilities, as needed. ) Tj ET Q q 0 0 0 rg BT 433.00 148.75 Td (As of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.44 148.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.02 148.75 Td (, Unum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 136.75 Td (Group and our intermediate holding companies held fixed maturity securities, short-term investments, and cash of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.99 136.75 Td ($602 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.38 136.75 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 124.75 Td (Fixed maturity securities consisted primarily of mortgage/asset-backed securities with an average maturity of 5.9 years. Short-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 112.75 Td (term investments consisted primarily of commercial paper) Tj ET Q q 0 0 0 rg BT 282.21 112.75 Td (. No significant restrictions exist on our ability to use or access funds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 100.75 Td (in any of our U.S. or foreign intermediate holding companies. ) Tj ET Q q 0 0 0 rg BT 301.11 100.75 Td (As a result of the ) Tj ET Q q 0 0 0 rg BT 371.75 100.75 Td (TCJA, future amounts repatriated from our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 88.75 Td (foreign subsidiaries are eligible for a 100 percent exemption from U.S. income tax but may be subject to tax on foreign currency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 76.75 Td (gain or loss. See "Regulation" contained herein in Item 1 for further discussion regarding the ) Tj ET Q q 0 0 0 rg BT 425.44 76.75 Td (TCJA) Tj ET Q q 0 0 0 rg BT 448.78 76.75 Td ( and, specifically) Tj ET Q q 0 0 0 rg BT 516.16 76.75 Td (, a transition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 64.75 Td (tax on undistributed and previously untaxed foreign earnings and profits at reduced rates. ) Tj ET Q endstream endobj 177 0 obj <> endobj 178 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (84) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (As part of our capital deployment strategy) Tj ET Q q 0 0 0 rg BT 217.69 735.60 Td (, we repurchase shares of Unum Group's common stock, as authorized by our board of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (directors. Our current share repurchase program was approved by our board of directors in May 2018 and authorizes the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (repurchase of up to $750 million of common stock through November 2019, with the pace of repurchase activity to depend upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (various factors such as the level of available cash, alternative uses for cash, and our stock price. During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.68 699.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.68 699.60 Td (, we repurchased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (8.7 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.39 687.60 Td ( shares at a cost of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.73 687.60 Td ($350 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.13 687.60 Td (. ) Tj ET Q q 0 0 0 rg BT 288.45 687.60 Td (The dollar value of shares remaining under the current repurchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (program was approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.19 675.60 Td ($500 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.58 675.60 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.80 675.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.38 675.60 Td (. See Note 10 of the "Notes to Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (Statements" contained herein in Item 8. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 639.60 Td (Cash ) Tj ET Q q 0 0 0 rg BT 86.25 639.60 Td (A) Tj ET Q q 0 0 0 rg BT 92.18 639.60 Td (vailable from Subsidiaries ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (Unum Group and certain of its intermediate holding company subsidiaries depend on payments from subsidiaries to pay ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (dividends to stockholders, to pay debt obligations, and/or to pay expenses. ) Tj ET Q q 0 0 0 rg BT 351.77 603.60 Td (These payments by our insurance and non-insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (subsidiaries may take the form of dividends, operating and investment management fees, and/or interest payments on loans from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (the parent to a subsidiary) Tj ET Q q 0 0 0 rg BT 149.38 579.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (Restrictions under applicable state insurance laws limit the amount of dividends that can be paid to a parent company from its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (insurance subsidiaries in any 12-month period without prior approval by regulatory authorities. For life insurance companies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (domiciled in the U.S., that limitation generally equals, depending on the state of domicile, either ten percent of an insurer's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (statutory surplus with respect to policyholders as of the preceding year end or the statutory net gain from operations, excluding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (realized investment gains and losses, of the preceding year) Tj ET Q q 0 0 0 rg BT 283.59 507.60 Td (. ) Tj ET Q q 0 0 0 rg BT 290.91 507.60 Td (The payment of dividends to a parent company from a life insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (subsidiary is generally further limited to the amount of unassigned funds. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (Certain of our domestic insurance subsidiaries cede blocks of business to Northwind Reinsurance Company \(Northwind Re\) and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (Fairwind Insurance Company \(Fairwind\), both of which are af) Tj ET Q q 0 0 0 rg BT 298.97 459.60 Td (filiated captive reinsurance subsidiaries domiciled in the United ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (States with Unum Group as the ultimate parent. ) Tj ET Q q 0 0 0 rg BT 244.84 447.60 Td (The ability of Northwind Re and Fairwind to pay dividends to their respective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (parent companies will depend on their satisfaction of applicable regulatory requirements and on the performance of the business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (reinsured by Northwind Re and Fairwind. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (The ability of Unum Group and certain of its intermediate holding company subsidiaries to continue to receive dividends from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (their insurance subsidiaries also depends on additional factors such as RBC ratios and capital adequacy and/or solvency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (requirements, funding growth objectives at an af) Tj ET Q q 0 0 0 rg BT 243.43 375.60 Td (filiate level, and maintaining appropriate capital adequacy ratios to support ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (desired ratings. ) Tj ET Q q 0 0 0 rg BT 115.41 363.60 Td (The impacts of the decrease in the U.S. corporate tax rate due to the ) Tj ET Q q 0 0 0 rg BT 389.01 363.60 Td (TCJA) Tj ET Q q 0 0 0 rg BT 412.35 363.60 Td ( resulted in both the reduction of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (admitted deferred tax assets at December 31, 2017, and a decrease in our RBC ratios at December 31, 2018 as a result of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (NAIC's modification of the RBC factors in 2018. ) Tj ET Q q 0 0 0 rg BT 250.73 339.60 Td (Although the RBC ratios for our U.S. insurance subsidiaries are lower) Tj ET Q q 0 0 0 rg BT 530.83 339.60 Td (, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (RBC ratios are in line with our expectations and are significantly above the level that would require state regulatory action.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (Unum Group and/or certain of its intermediate holding company subsidiaries may also receive dividends from our U.K. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (subsidiaries, the payment of which may be subject to applicable insurance company regulations and capital guidance in the U.K. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (Unum Limited is subject to the requirements of Solvency II, a European Union \(EU\) directive, which prescribes capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (requirements and risk management standards for the European insurance industry) Tj ET Q q 0 0 0 rg BT 375.13 267.60 Td (. Our European holding company is also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (subject to the Solvency II requirements relevant to insurance holding companies, while its subsidiaries \(the Unum European ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (Economic ) Tj ET Q q 0 0 0 rg BT 91.99 243.60 Td (Area \(EEA\) Group\), which includes Unum Limited, are subject to group supervision under Solvency II. ) Tj ET Q q 0 0 0 rg BT 512.54 243.60 Td (The Unum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (EEA) Tj ET Q q 0 0 0 rg BT 68.39 231.60 Td ( Group received approval from the U.K. Prudential Regulation ) Tj ET Q q 0 0 0 rg BT 320.82 231.60 Td (Authority to use its own internal model for calculating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (regulatory capital and also received approval for certain associated regulatory permissions including transitional relief as the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (Solvency II capital regime continues to be implemented. ) Tj ET Q q 0 0 0 rg BT 280.36 207.60 Td (There are currently no indications that capital requirements for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (Unum EEA) Tj ET Q q 0 0 0 rg BT 95.89 195.60 Td ( Group will change as a result of the U.K.'s exit from the EU, but economic conditions may in the near term cause ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (volatility in our solvency ratios.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td (The payment of dividends to the parent company from our subsidiaries also requires the approval of the individual subsidiary's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (board of directors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.60 Td (The amount available during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.24 123.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.24 123.60 Td ( for the payment of ordinary dividends from Unum Group's traditional U.S. insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (subsidiaries, which excludes our captive reinsurers, was approximately $797 million, of which $670.5 million was declared and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.60 Td (paid. ) Tj ET Q q 0 0 0 rg BT 74.04 99.60 Td (The traditional U.S. insurance subsidiaries also paid extraordinary dividends of $89.8 million in 2018. ) Tj ET Q q 0 0 0 rg BT 487.39 99.60 Td (The amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.60 Td (available during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.70 87.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.70 87.60 Td ( from Unum Limited was approximately 200 million, of which 1) Tj ET Q q 0 0 0 rg BT 404.90 87.60 Td (15.0 million was declared and paid to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.60 Td (one of our U.K. holding companies. During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.19 75.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.19 75.60 Td (, Northwind Re paid dividends of $98.0 million to Northwind Holdings. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.60 Td (Fairwind paid no dividends during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.32 63.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.32 63.60 Td (.) Tj ET Q endstream endobj 179 0 obj <> endobj 180 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (85) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.33 735.60 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.33 735.60 Td (, we intend to maintain a level of capital in our insurance subsidiaries above the applicable capital adequacy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (requirements and minimum solvency mar) Tj ET Q q 0 0 0 rg BT 215.95 723.60 Td (gins. ) Tj ET Q q 0 0 0 rg BT 239.56 723.60 Td (Although we may not utilize the entire amount of available dividends, based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (applicable restrictions under current law) Tj ET Q q 0 0 0 rg BT 209.90 711.60 Td (, approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.15 711.60 Td ($995 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.55 711.60 Td ( is available, without prior approval by regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (authorities, during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.32 699.60 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.32 699.60 Td ( for the payment of dividends from Unum Group's traditional U.S. insurance subsidiaries, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (excludes our captive reinsurers. ) Tj ET Q q 0 0 0 rg BT 180.56 687.60 Td (Approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.61 687.60 Td (140 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.00 687.60 Td ( is available for the payment of dividends from Unum Limited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.11 675.60 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.11 675.60 Td (, subject to regulatory approval.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (Insurance regulatory restrictions do not limit the amount of dividends available for distribution from non-insurance subsidiaries ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (except where the non-insurance subsidiaries are held directly or indirectly by an insurance subsidiary and only indirectly by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (Unum Group.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 603.60 Td (Funding for Employee Benefit Plans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 579.60 Td (e made contributions of $69.3 million and 3.1 million to our U.S. and U.K. defined contribution plans, respectively) Tj ET Q q 0 0 0 rg BT 522.97 579.60 Td (, in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.25 579.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.25 579.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (and expect to make contributions of approximately $75 million and 3 million during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.16 567.60 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.16 567.60 Td (. ) Tj ET Q q 0 0 0 rg BT 421.48 567.60 Td (W) Tj ET Q q 0 0 0 rg BT 430.12 567.60 Td (e made a de minimis amount of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (contributions to our U.S. qualified defined benefit pension plan and no contribution to our U.K. defined benefit pension plan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.11 543.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.11 543.60 Td (. ) Tj ET Q q 0 0 0 rg BT 105.43 543.60 Td (W) Tj ET Q q 0 0 0 rg BT 114.07 543.60 Td (e do not expect to make any contributions to either plan during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.89 543.60 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.89 543.60 Td (. ) Tj ET Q q 0 0 0 rg BT 395.21 543.60 Td (W) Tj ET Q q 0 0 0 rg BT 403.85 543.60 Td (e have met all minimum pension ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (funding requirements set forth by the Employee Retirement Income Security ) Tj ET Q q 0 0 0 rg BT 358.30 531.60 Td (Act. ) Tj ET Q q 0 0 0 rg BT 380.06 531.60 Td (W) Tj ET Q q 0 0 0 rg BT 388.70 531.60 Td (e have estimatedour future funding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (requirements underthe Pension Protection ) Tj ET Q q 0 0 0 rg BT 221.41 519.60 Td (Act of 2006 and under applicable U.K. law anddo notbelievethatany future funding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (requirements will cause a material adverse ef) Tj ET Q q 0 0 0 rg BT 229.79 507.60 Td (fect on our liquidity) Tj ET Q q 0 0 0 rg BT 308.85 507.60 Td (. See Note 9 of the "Notes to Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (Statements" contained herein in Item 8 for further discussion of our employee benefit plans. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 61.50 471.60 Td (Debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (There areno significant financial covenants associated with any of our outstanding debt obligations. ) Tj ET Q q 0 0 0 rg BT 455.32 447.60 Td (W) Tj ET Q q 0 0 0 rg BT 463.95 447.60 Td (e continually monitor our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (debt covenants to ensure we remain in compliance. ) Tj ET Q q 0 0 0 rg BT 258.69 435.60 Td (W) Tj ET Q q 0 0 0 rg BT 267.33 435.60 Td (e have not observed any current trends that would cause a breach of any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (debt covenants. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 398.2669921875 m 255.2294921875 398.2669921875 l s q 0 0 0 rg BT 67.50 399.60 Td (Maturities, Purchases, and Retirement of Debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (In 2018, our$200.0 million7.00%senior unsecured notes matured.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (Northwind Holdings made principal payments on its floating rate, senior secured notes of $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.97 351.60 Td (60.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.87 351.60 Td (, in both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.42 351.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.42 351.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.86 351.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.86 351.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (and $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.44 339.60 Td (64.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.33 339.60 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.11 339.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.11 339.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (In 2017, we purchased and retired the remaining$3.4 millionof principal on our senior secured floating rate notes acquired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (through our purchase of Starmount.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (In 2016, our $350.0 million 7.125% senior unsecured notes matured. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 254.26699218750002 m 137.197265625 254.26699218750002 l s q 0 0 0 rg BT 67.50 255.60 Td (Issuance of Debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (In 2018, we issued $300.0 million of 6.25% junior subordinated notes due 2058. ) Tj ET Q q 0 0 0 rg BT 375.95 231.60 Td (The notes are redeemable at or above par on or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (after June 15, 2023 and rank equally in the right of payment with our other junior subordinated debt securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (In 2016, we issued a total of $600.0 million aggregate principal amount of senior notes: \(i\) $350.0 million aggregate principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (amount of senior notes due in 2021 with an annual coupon rate of 3.00%, and \(ii\) $250.0 million aggregate principal amount of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.60 Td (senior notes due in 2042 with an annual coupon rate of 5.75%, pursuant to a reopening of the $250.0 million aggregate principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td (amount outstanding of our 5.75% senior notes due 2042 issued in 2012. Both issuances are callable at or above par and rank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (equally in right of payment with all of our other unsecured and unsubordinated debt. ) Tj ET Q q 0 0 0 rg BT 391.64 147.60 Td (A) Tj ET Q q 0 0 0 rg BT 398.31 147.60 Td ( portion of the net proceeds of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.60 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 135.60 Td (fering were used for repayment of the debt which matured in 2016. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 110.26699218750002 m 125.546875 110.26699218750002 l s q 0 0 0 rg BT 67.50 111.60 Td (Credit Facility) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.60 Td (In 2016, we amended the terms of our five-year) Tj ET Q q 0 0 0 rg BT 239.86 87.60 Td (, $400 million unsecured revolving credit facility) Tj ET Q q 0 0 0 rg BT 435.55 87.60 Td (, which was previously set to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.60 Td (expire in 2018, to extend through March 2021. Under the terms of the agreement, we may request that the credit facility be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.60 Td (increased up to $600 million. Borrowings under the credit facility are for general corporate uses and are subject to financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 51.60 Td (covenants, negative covenants, and events of default that are customary) Tj ET Q q 0 0 0 rg BT 335.13 51.60 Td (. ) Tj ET Q q 0 0 0 rg BT 342.45 51.60 Td (The credit facility provides for borrowing at an interest ) Tj ET Q endstream endobj 181 0 obj <> endobj 182 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (86) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (rate based either on the prime rate or LIBOR. In addition, the credit facility provides for the issuance of letters of credit subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (to certain terms and limitations. ) Tj ET Q q 0 0 0 rg BT 180.86 723.60 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.36 723.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.95 723.60 Td (, letters of credit totaling $2.1 million had been issued from the credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (facility) Tj ET Q q 0 0 0 rg BT 77.17 711.60 Td (, but there was no borrowed amount outstanding. Our credit facility's financial covenants contain provisions regarding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (our leverage and net worth. ) Tj ET Q q 0 0 0 rg BT 164.00 699.60 Td (W) Tj ET Q q 0 0 0 rg BT 172.63 699.60 Td (e do not anticipate any violation of these covenants. However) Tj ET Q q 0 0 0 rg BT 421.32 699.60 Td (, if economic conditions worsen and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (we incur unexpected losses, we could violate certain of the financial covenants imposed by the credit facility and lose access to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (available funds or lines of credit through the facility) Tj ET Q q 0 0 0 rg BT 257.12 675.60 Td (. ) Tj ET Q q 0 0 0 rg BT 264.44 675.60 Td (While maintenance of the unsecured, revolving credit facility provides a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (valuable source of contingent liquidity) Tj ET Q q 0 0 0 rg BT 203.25 663.60 Td (, we believe operating cash flows are suf) Tj ET Q q 0 0 0 rg BT 365.79 663.60 Td (ficient to support our short-term liquidity needs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 638.2669921875 m 139.990234375 638.2669921875 l s q 0 0 0 rg BT 67.50 639.60 Td (Shelf Registration) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 615.60 Td (e filed a shelf registration with the Securities and Exchange Commission in 2017to issue various types of securities, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (common stock, preferred stock, debt securities, depository shares, stock purchase contracts, units and warrants. ) Tj ET Q q 0 0 0 rg BT 498.91 603.60 Td (The shelf ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (registration enables us to raise funds from the of) Tj ET Q q 0 0 0 rg BT 242.60 591.60 Td (fering of any securities covered by the shelf registration as well as any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (combination thereof, subject to market conditions and our capital needs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (See Note 8 of the "Notes to Consolidated Financial Statements" contained herein in Item 8 for additional information on our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (debt.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 61.50 519.60 Td (Commitments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (The following table summarizes contractual obligations and our reinsurance recoverable by period as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.68 495.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.27 495.60 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 432.10 204.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.25 432.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.25 432.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.25 432.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 432.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.25 432.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.25 432.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 432.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.25 432.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.25 432.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 404.10 204.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.25 404.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.25 404.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.25 404.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 404.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.25 404.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.25 404.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 404.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.25 404.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.25 404.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 376.10 204.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.25 376.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.25 376.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.25 376.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 376.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.25 376.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.25 376.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 376.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.25 376.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.25 376.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 348.10 204.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.25 348.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.25 348.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.25 348.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 348.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.25 348.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.25 348.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 348.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.25 348.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.25 348.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 320.10 204.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.25 320.10 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.25 320.10 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.25 320.10 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 320.10 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.25 320.10 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.25 320.10 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 320.10 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.25 320.10 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.25 320.10 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 291.10 204.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.25 291.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.25 291.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.25 291.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 291.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.25 291.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.25 291.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 291.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.25 291.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.25 291.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 263.10 204.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.25 263.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.25 263.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.25 263.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 263.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.25 263.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.25 263.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 263.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.25 263.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.25 263.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 235.10 204.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.25 235.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.25 235.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.25 235.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 235.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.25 235.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.25 235.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 235.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.25 235.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.25 235.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 207.10 204.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.25 207.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.25 207.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.25 207.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 207.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.25 207.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.25 207.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 207.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.25 207.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.25 207.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 179.10 204.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.25 179.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.25 179.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.25 179.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 179.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.25 179.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.25 179.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 179.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.25 179.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.25 179.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 151.10 204.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.25 151.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.25 151.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.25 151.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 151.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.25 151.10 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.25 151.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.25 151.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.25 151.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.25 151.10 59.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.25 445.1 m 312.25 445.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.25 445.1 m 376.25 445.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.25 445.1 m 439.25 445.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.25 445.1 m 503.25 445.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.25 445.1 m 566.25 445.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.25 221.10000000000002 m 312.25 221.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.25 221.10000000000002 m 376.25 221.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.25 221.10000000000002 m 439.25 221.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.25 221.10000000000002 m 503.25 221.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.25 221.10000000000002 m 566.25 221.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.25 194.10000000000002 m 312.25 194.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.25 192.10000000000002 m 312.25 192.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.25 194.10000000000002 m 376.25 194.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.25 192.10000000000002 m 376.25 192.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.25 194.10000000000002 m 439.25 194.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.25 192.10000000000002 m 439.25 192.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.25 194.10000000000002 m 503.25 194.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.25 192.10000000000002 m 503.25 192.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.25 194.10000000000002 m 566.25 194.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.25 192.10000000000002 m 566.25 192.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.25 138.10000000000002 m 312.25 138.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.25 136.10000000000002 m 312.25 136.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.25 138.10000000000002 m 376.25 138.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.25 136.10000000000002 m 376.25 136.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.25 138.10000000000002 m 439.25 138.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.25 136.10000000000002 m 439.25 136.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.25 138.10000000000002 m 503.25 138.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.25 136.10000000000002 m 503.25 136.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.25 138.10000000000002 m 566.25 138.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.25 136.10000000000002 m 566.25 136.10000000000002 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 51.75 475.66 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.00 449.77 Td (T) Tj ET Q q 0 0 0 rg BT 277.76 449.77 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.10 459.77 Td (In 1 ) Tj ET Q q 0 0 0 rg BT 340.24 459.77 Td (Y) Tj ET Q q 0 0 0 rg BT 346.78 459.77 Td (ear or) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.55 449.77 Td (Less) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.65 459.77 Td (After 1 ) Tj ET Q q 0 0 0 rg BT 415.56 459.77 Td (Y) Tj ET Q q 0 0 0 rg BT 422.10 459.77 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.10 449.77 Td (up to 3 ) Tj ET Q q 0 0 0 rg BT 413.19 449.77 Td (Y) Tj ET Q q 0 0 0 rg BT 419.73 449.77 Td (ears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.20 459.77 Td (After 3 ) Tj ET Q q 0 0 0 rg BT 477.11 459.77 Td (Y) Tj ET Q q 0 0 0 rg BT 483.65 459.77 Td (ears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.60 449.77 Td (up to 5 ) Tj ET Q q 0 0 0 rg BT 476.69 449.77 Td (Y) Tj ET Q q 0 0 0 rg BT 483.23 449.77 Td (ears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.95 459.77 Td (After 5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.05 449.77 Td (Y) Tj ET Q q 0 0 0 rg BT 531.27 449.77 Td (ears) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 422.78 Td (Payments Due) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 394.67 Td (Long-term Debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.75 394.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.40 394.67 Td (5,363.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.75 394.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.90 394.67 Td (162.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.75 394.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.40 394.67 Td (1,034.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.75 394.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.90 394.67 Td (254.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.75 394.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 394.67 Td (3,912.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 366.67 Td (Policyholder Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.40 366.67 Td (45,275.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.40 366.67 Td (4,714.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.40 366.67 Td (7,280.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.40 366.67 Td (5,543.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.40 366.67 Td (27,736.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 338.67 Td (Pension and OPEB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.90 338.67 Td (783.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.90 338.67 Td (19.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.90 338.67 Td (38.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.90 338.67 Td (1) Tj ET Q q 0 0 0 rg BT 481.90 338.67 Td (12.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 338.67 Td (613.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 309.77 Td (Payables for Collateral on Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.90 309.77 Td (128.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.90 309.77 Td (128.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.40 309.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.40 309.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 309.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 281.67 Td (Miscellaneous Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.90 281.67 Td (864.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.90 281.67 Td (672.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.90 281.67 Td (35.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.90 281.67 Td (9.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 281.67 Td (147.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 253.67 Td (Operating Leases) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.90 253.67 Td (157.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.90 253.67 Td (30.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.90 253.67 Td (48.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.90 253.67 Td (30.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 253.67 Td (48.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 225.67 Td (Purchase Obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.90 225.67 Td (572.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.90 225.67 Td (537.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.90 225.67 Td (29.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.90 225.67 Td (5.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 225.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 197.67 Td (T) Tj ET Q q 0 0 0 rg BT 57.16 197.67 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.75 197.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.40 197.67 Td (53,146.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.75 197.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.40 197.67 Td (6,265.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.75 197.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.40 197.67 Td (8,466.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.75 197.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.40 197.67 Td (5,956.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.75 197.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.40 197.67 Td (32,458.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 169.78 Td (Receipts Due) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 141.67 Td (Reinsurance Recoverable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.75 141.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.40 141.67 Td (7,957.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.75 141.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.90 141.67 Td (345.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.75 141.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.90 141.67 Td (660.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.75 141.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.90 141.67 Td (616.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.75 141.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 141.67 Td (6,334.8) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 113.60 Td (Long-term debt includes contractual principal and interest payments and therefore exceeds the amount shown in the consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 101.60 Td (balance sheets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 77.60 Td (Policyholder liability maturities and the related reinsurance recoverable represent the projected payout of the current in-force ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 65.60 Td (policyholder liabilities and the expected cash inflows from reinsurers for liabilities ceded and therefore incorporate uncertainties ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 53.60 Td (as to the timing and amount of claim payments. ) Tj ET Q q 0 0 0 rg BT 244.56 53.60 Td (W) Tj ET Q q 0 0 0 rg BT 253.20 53.60 Td (e utilize extensive liability modeling to project future cash flows from the in-) Tj ET Q endstream endobj 183 0 obj <> endobj 184 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (87) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (force business. ) Tj ET Q q 0 0 0 rg BT 113.75 735.60 Td (The primary assumptions used to project future cash flows are claim incidence rates for mortality and morbidity) Tj ET Q q 0 0 0 rg BT 561.30 735.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (claim resolution rates, persistency rates, and interest rates. ) Tj ET Q q 0 0 0 rg BT 287.01 723.60 Td (These cash flows are discounted to determine the current value of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (projected claim payments. ) Tj ET Q q 0 0 0 rg BT 159.56 711.60 Td (The timing and amount of payments on policyholder liabilities may vary significantly from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (projections above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (Pensions and OPEB commitments relate to our defined benefit pension and postretirement plans for our employees, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (our non-qualified pension plan. Pension plan obligations, other than the non-qualified plan, represent our contributions to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (pension plans and are projected based on the expected future minimum contributions as required under current U.S. and U.K. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (legislative funding requirements. Non-qualified pension plan and other postretirement benefit obligations represent the expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (benefit payments related to these plans which we expect to pay) Tj ET Q q 0 0 0 rg BT 300.98 627.60 Td (, as incurred, from our general assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (Payables for collateral on investments include obligations to return unrestricted cash collateral to our securities lending and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (derivative counterparties and obligations to repay advances from regional Federal Home Loan Banks \(FHLBs\). ) Tj ET Q q 0 0 0 rg BT 499.74 591.60 Td (The amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (presented in the preceding chart include contractual interest payments and therefore exceed what is reported in the consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (balance sheets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (Miscellaneous liabilities include commissions due and accrued, deferred compensation liabilities, contingent considerations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (state premium taxes payable, amounts due to reinsurance companies, legally binding commitments to fund investments, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (various other liabilities that represent contractual obligations. Obligations where the timing of the payment is uncertain are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (included in the one year or less category) Tj ET Q q 0 0 0 rg BT 210.18 507.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (See "Critical ) Tj ET Q q 0 0 0 rg BT 102.46 483.60 Td (Accounting Estimates" contained herein in this Item 7 and Notes 3, 4, 6, 8, 9, 13, and 14 of the "Notes to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (Consolidated Financial Statements" contained herein in Item 8 for additional information on our various commitments and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (obligations.) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 434.2669921875 m 200.0439453125 434.2669921875 l s q 0 0 0 rg BT 67.50 435.60 Td (Of) Tj ET Q q 0 0 0 rg BT 77.87 435.60 Td (f-Balance Sheet ) Tj ET Q q 0 0 0 rg BT 143.40 435.60 Td (Arrangements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (Operating leases include noncancelable obligations on certain of) Tj ET Q q 0 0 0 rg BT 307.28 411.60 Td (fice space, equipment, and software. Purchase obligations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (include commitments of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.20 399.60 Td ($515.6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.09 399.60 Td ( to fund certain of our investments. ) Tj ET Q q 0 0 0 rg BT 353.16 399.60 Td (These are included in the preceding table based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (the expiration date of the commitments. ) Tj ET Q q 0 0 0 rg BT 213.72 387.60 Td (The funds are due upon satisfaction of contractual notice from appropriate external ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (parties and may or may not be funded. ) Tj ET Q q 0 0 0 rg BT 207.79 375.60 Td (Also included are obligations with outside parties for computer data processing services, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (software maintenance agreements, and consulting services. ) Tj ET Q q 0 0 0 rg BT 290.62 363.60 Td (The aggregate obligation remaining under these agreements was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td ($57.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.39 351.60 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.61 351.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.19 351.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.60 Td (As part of our regular investing strategy) Tj ET Q q 0 0 0 rg BT 208.81 327.60 Td (, we receive collateral from unaf) Tj ET Q q 0 0 0 rg BT 338.55 327.60 Td (filiated third parties through transactions which include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (both securities lending and also short-term agreements to purchase securities with the agreement to resell them at a later ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (specified date. For both types of transactions, we require that a minimum of 102 percent of the fair value of the securities loaned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (or securities purchased under repurchase agreements be maintained as collateral. Generally) Tj ET Q q 0 0 0 rg BT 415.91 291.60 Td (, cash is received as collateral under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (these agreements. In the event that securities are received as collateral, we are not permitted to sell or re-post them. ) Tj ET Q q 0 0 0 rg BT 517.18 279.60 Td (W) Tj ET Q q 0 0 0 rg BT 525.82 279.60 Td (e also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (post our fixed maturity securities as collateral to unaf) Tj ET Q q 0 0 0 rg BT 262.59 267.60 Td (filiated third parties through transactions including both securities lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (and also short-term agreements to sell securities with the agreement to repurchase them at a later specified date. See "T) Tj ET Q q 0 0 0 rg BT 528.32 255.60 Td (ransfers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (of Financial ) Tj ET Q q 0 0 0 rg BT 99.49 243.60 Td (Assets" as follows for further discussion. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (T) Tj ET Q q 0 0 0 rg BT 54.91 219.60 Td (o help limit the credit exposure of derivatives, we enter into master netting agreements with our counterparties whereby ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (contracts in a gain position can be of) Tj ET Q q 0 0 0 rg BT 196.22 207.60 Td (fset against contracts in a loss position. ) Tj ET Q q 0 0 0 rg BT 357.40 207.60 Td (W) Tj ET Q q 0 0 0 rg BT 366.04 207.60 Td (e also typically enter into bilateral, cross-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (collateralization agreements with our counterparties to help limit the credit exposure of the derivatives. ) Tj ET Q q 0 0 0 rg BT 466.39 195.60 Td (These agreements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (require the counterparty in a loss position to submit acceptable collateral with the other counterparty in the event the net loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.60 Td (position meets or exceeds an agreed upon amount. Our credit exposure on derivatives, which is limited to the value of those ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td (contracts in a net gain position, including accrued interest receivable less collateral held, was $0.9 million at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.92 159.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.50 159.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 147.60 Td (e held cash collateral from our counterparties of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.50 147.60 Td ($24.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.39 147.60 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.61 147.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.19 147.60 Td ( and had posted fixed maturity securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.60 Td (with a carrying value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.52 135.60 Td ($33.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.41 135.60 Td ( as collateral to our counterparties. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (See Notes 3, 4, and 14 of the "Notes to Consolidated Financial Statements" contained herein in Item 8 for additional information. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 87.60 Td (T) Tj ET Q q 0 0 0 rg BT 68.74 87.60 Td (ransfers of Financial ) Tj ET Q q 0 0 0 rg BT 158.66 87.60 Td (Assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.60 Td (Our investment policy permits us to lend fixed maturity securities to unaf) Tj ET Q q 0 0 0 rg BT 342.87 63.60 Td (filiated financial institutions in short-term securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 51.60 Td (lending agreements, which increases our investment income with minimal risk. ) Tj ET Q q 0 0 0 rg BT 371.18 51.60 Td (W) Tj ET Q q 0 0 0 rg BT 379.82 51.60 Td (e account for all of our securities lending ) Tj ET Q endstream endobj 185 0 obj <> endobj 186 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (88) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (agreements and repurchase agreements as secured borrowings. ) Tj ET Q q 0 0 0 rg BT 305.05 735.60 Td (W) Tj ET Q q 0 0 0 rg BT 313.68 735.60 Td (e had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.56 735.60 Td ($0.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.45 735.60 Td ( of securities lending agreements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (outstanding which were collateralized by cash at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.37 723.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.95 723.60 Td ( and were reported as payables for collateral on investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (in our consolidated balance sheets. ) Tj ET Q q 0 0 0 rg BT 193.44 711.60 Td (The cash received as collateral was reinvested in short-term investments. ) Tj ET Q q 0 0 0 rg BT 489.82 711.60 Td (The average ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (balance during the year ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.94 699.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.53 699.60 Td ( was $12.2 million, and the maximum amount outstanding at any month end ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (was $29.9 million. In addition, at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.26 687.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.85 687.60 Td (, we had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.95 687.60 Td ($171.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.84 687.60 Td ( of of) Tj ET Q q 0 0 0 rg BT 382.32 687.60 Td (f-balance sheet securities lending agreements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (which were collateralized by securities that we were neither permitted to sell nor control. ) Tj ET Q q 0 0 0 rg BT 410.29 675.60 Td (The average balance of these of) Tj ET Q q 0 0 0 rg BT 536.98 675.60 Td (f-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (balance sheet transactions during the year ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.25 663.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.84 663.60 Td ( was $145.9 million, and the maximum amount outstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (at any month end was $219.4 million.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 627.60 Td (e had no repurchase agreements outstanding at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.23 627.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.82 627.60 Td (, nor did we utilize any repurchase agreements during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.96 627.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.96 627.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (Our use of repurchase agreements and securities lending agreements can fluctuate during any given period and will depend on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (our liquidity position, the availability of long-term investments that meet our purchasing criteria, and our general business needs. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (Certain of our U.S. insurance subsidiaries are members of regional Federal Home Loan Banks \(FHLB\). ) Tj ET Q q 0 0 0 rg BT 468.01 579.60 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.45 579.60 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 567.60 Td (, we owned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 117.82 567.60 Td ($24.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.71 567.60 Td ( of FHLB common stock and had obtained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.02 567.60 Td ($104.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.91 567.60 Td ( in advances from the regional FHLBs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (for the purpose of purchasing fixed maturity securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (See Note 3 of the "Notes to Consolidated Financial Statements" contained herein in Item 8 for additional information. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 507.60 Td (Consolidated Cash Flows ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 455.10 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.75 455.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.75 455.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.75 455.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.75 455.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.75 455.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.75 455.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 427.10 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.75 427.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.75 427.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.75 427.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.75 427.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.75 427.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.75 427.10 71.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.75 469.1 m 417.75 469.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.75 469.1 m 421.75 469.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.75 469.1 m 491.75 469.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.75 469.1 m 495.75 469.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.75 469.1 m 566.75 469.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.75 469.1 m 417.75 469.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.75 455.1 m 417.75 455.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.75 469.1 m 491.75 469.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.75 455.1 m 491.75 455.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.75 469.1 m 566.75 469.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.75 455.1 m 566.75 455.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.75 455.1 m 417.75 455.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.75 455.1 m 491.75 455.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.75 455.1 m 566.75 455.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.75 413.1 m 417.75 413.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.75 400.1 m 417.75 400.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.75 398.1 m 417.75 398.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.75 413.1 m 491.75 413.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.75 400.1 m 491.75 400.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.75 398.1 m 491.75 398.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.75 413.1 m 566.75 413.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.75 400.1 m 566.75 400.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.75 398.1 m 566.75 398.1 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 51.25 487.66 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.95 473.67 Td (Y) Tj ET Q q 0 0 0 rg BT 411.17 473.67 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 459.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.25 459.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.75 459.67 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 445.67 Td (Net Cash Provided by Operating ) Tj ET Q q 0 0 0 rg BT 184.01 445.67 Td (Activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.25 445.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.90 445.67 Td (1,536.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.25 445.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.90 445.67 Td (1,164.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.25 445.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 445.67 Td (1,121.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 431.67 Td (Net Cash Used by Investing ) Tj ET Q q 0 0 0 rg BT 165.68 431.67 Td (Activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.05 431.72 Td (\(930.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.90 431.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.05 431.72 Td (\(499.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.90 431.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.05 431.67 Td (\(715.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 431.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 417.67 Td (Net Cash Used by Financing ) Tj ET Q q 0 0 0 rg BT 168.18 417.67 Td (Activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.05 417.72 Td (\(589.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.90 417.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.05 417.72 Td (\(687.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.90 417.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.05 417.67 Td (\(418.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 417.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 403.67 Td (Net Change in Cash and Bank Deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.25 403.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.40 403.67 Td (16.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.25 403.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.05 403.72 Td (\(23.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.90 403.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.25 403.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.05 403.67 Td (\(12.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 403.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 374.2669921875 m 156.9384765625 374.2669921875 l s q 0 0 0 rg BT 67.50 375.60 Td (Operating Cash Flows) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 354.60 Td (Operating cash flows are primarily attributable to the receipt of premium and investment income, of) Tj ET Q q 0 0 0 rg BT 449.47 354.60 Td (fset by payments of claims, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 342.60 Td (commissions, expenses, and income taxes. Premium income growth is dependent not only on new sales, but on policy renewals ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 330.60 Td (and growth of existing business, renewal price increases, and persistency) Tj ET Q q 0 0 0 rg BT 340.71 330.60 Td (. Investment income growth is dependent on the growth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 318.60 Td (in the underlying assets supporting our insurance reserves and capital and on the earned yield. ) Tj ET Q q 0 0 0 rg BT 430.04 318.60 Td (The level of commissions and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 306.60 Td (operating expenses is attributable to the level of sales and the first year acquisition expenses associated with new business as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 294.60 Td (well as the maintenance of existing business. ) Tj ET Q q 0 0 0 rg BT 234.00 294.60 Td (The level of paid claims is af) Tj ET Q q 0 0 0 rg BT 349.89 294.60 Td (fected partially by the growth and aging of the block ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 282.60 Td (of business and also by the general economy) Tj ET Q q 0 0 0 rg BT 227.42 282.60 Td (, as previously discussed in the operating results by segment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 258.60 Td (The variance in the change in insurance reserves and liabilities to reconcile net income to net cash provided by operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 246.60 Td (activities as reported in our consolidated statements of cash flows for 2018 compared to the prior two years was due primarily to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 234.60 Td (the 2018 reserve increase for our long-term care line of business.) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 209.26699218750002 m 154.169921875 209.26699218750002 l s q 0 0 0 rg BT 67.50 210.60 Td (Investing Cash Flows) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.17 210.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 189.60 Td (Investing cash inflows consist primarily of the proceeds from the sales and maturities of investments. Investing cash outflows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 177.60 Td (consist primarily of payments for purchases of investments. Our investment strategy is to match the cash flows and durations of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 165.60 Td (our assets with the cash flows and durations of our liabilities to meet the funding requirements of our business. ) Tj ET Q q 0 0 0 rg BT 497.29 165.60 Td (When market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 153.60 Td (opportunities arise, we may sell selected securities and reinvest the proceeds to improve the yield and credit quality of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 141.60 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 91.81 141.60 Td (W) Tj ET Q q 0 0 0 rg BT 100.45 141.60 Td (e may at times also sell selected securities and reinvest the proceeds to improve the duration matching of our assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 129.60 Td (and liabilities and/or re-balance our portfolio. ) Tj ET Q q 0 0 0 rg BT 236.11 129.60 Td (As a result, sales before maturity may vary from period to period. ) Tj ET Q q 0 0 0 rg BT 503.35 129.60 Td (The sale and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 117.60 Td (purchase of short-term investments is influenced by proceeds received from issuance of debt, our securities lending program, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 105.60 Td (by the amount of cash which is at times held in short-term investments to facilitate the availability of cash to fund the purchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 93.60 Td (of appropriate long-term investments, repay maturing debt, and/or to fund our capital deployment program. Our 2018 cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 81.60 Td (outflows include a combined purchase amount of $145.4 million, net of cash acquired, for all of our acquisitions during the year) Tj ET Q q 0 0 0 rg BT 561.87 81.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 69.60 Td (Our 2016 cash outflows include $129.2 million related to our purchase of Starmount. ) Tj ET Q endstream endobj 187 0 obj <> endobj 188 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (89) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (See Notes 3 and 13 of the "Notes to Consolidated Financial Statements" contained herein in Item 8 for further information.) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 67.5 710.2669921875 m 156.9482421875 710.2669921875 l s q 0 0 0 rg BT 67.50 711.60 Td (Financing Cash Flows) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (Financing cash flows consist primarily of borrowings and repayments of debt, repurchase of common stock, and dividends paid ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (to stockholders. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.60 Td (During 2018, our$200.0 million7.00%senior unsecured notes matured. During 2017, we purchased and retired the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.60 Td (remaining$3.4 millionof principal on our senior secured floating rate notes acquired through our purchase of Starmount. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.60 Td (During 2016, we repaid $350.0 million principal upon maturity of our 7.125% notes. ) Tj ET Q q 0 0 0 rg BT 393.71 630.60 Td (W) Tj ET Q q 0 0 0 rg BT 402.35 630.60 Td (e made principal payments of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.14 630.60 Td ($60.0 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.60 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 618.60 Td ( in both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.45 618.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.45 618.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.89 618.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.89 618.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.33 618.60 Td ($64.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.22 618.60 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.00 618.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.00 618.60 Td (, on our senior secured non-recourse notes issued by Northwind ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 606.60 Td (Holdings. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.60 Td (During 2018, we issued $300.0 million of 6.25% junior subordinated notes due 2058 and received total proceeds of $290.7 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 570.60 Td (million. During 2016, we issued $350.0 million of 3.00% unsecured senior notes due in 2021 and $250.0 million of 5.75% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 558.60 Td (unsecured senior notes due in 2042 and received total proceeds of $609.1 million, excluding the associated debt issuance costs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.60 Td (and discounts.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.60 Td (Cash used to repurchase shares of Unum Group's common stock during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.19 522.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.19 522.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.19 522.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.19 522.60 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.13 522.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.13 522.60 Td ( was $356.2 million, $401.8 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.60 Td (million, and $405.2 million, respectively) Tj ET Q q 0 0 0 rg BT 211.88 510.60 Td (. During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.21 510.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.21 510.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.21 510.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.21 510.60 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.15 510.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.15 510.60 Td ( we paid dividends of $215.6 million, $196.0 million, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 498.60 Td (and $182.6 million, respectively) Tj ET Q q 0 0 0 rg BT 177.99 498.60 Td (, to holders of Unum Group's common stock.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 474.60 Td (See "Debt" contained herein in this Item 7, and Notes 8 and 10 of the "Notes to Consolidated Financial Statements" contained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 462.60 Td (herein in Item 8 for further information.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 438.60 Td (Ratings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.28 438.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.60 Td (AM Best, Fitch, Moody's, and S&P) Tj ET Q q 0 0 0 rg BT 191.50 414.60 Td ( are among the third parties that assign issuer credit ratings to Unum Group and financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 402.60 Td (strength ratings to our insurance subsidiaries. ) Tj ET Q q 0 0 0 rg BT 235.39 402.60 Td (W) Tj ET Q q 0 0 0 rg BT 244.03 402.60 Td (e compete based in part on the financial strength ratings provided by rating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.60 Td (agencies. ) Tj ET Q q 0 0 0 rg BT 90.87 390.60 Td (A) Tj ET Q q 0 0 0 rg BT 97.54 390.60 Td ( downgrade of our financial strength ratings can be expected to adversely af) Tj ET Q q 0 0 0 rg BT 400.57 390.60 Td (fect us and could potentially) Tj ET Q q 0 0 0 rg BT 513.23 390.60 Td (, among ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 378.60 Td (other things, adversely af) Tj ET Q q 0 0 0 rg BT 150.40 378.60 Td (fect our relationships with distributors of our products and services and retention of our sales force, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 366.60 Td (negatively impact persistency and new sales, particularly lar) Tj ET Q q 0 0 0 rg BT 290.34 366.60 Td (ge case group sales and individual sales, and generally adversely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 354.60 Td (af) Tj ET Q q 0 0 0 rg BT 57.09 354.60 Td (fect our ability to compete. ) Tj ET Q q 0 0 0 rg BT 169.55 354.60 Td (A) Tj ET Q q 0 0 0 rg BT 176.22 354.60 Td ( downgrade in the issuer credit rating assigned to Unum Group can be expected to adversely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 342.60 Td (af) Tj ET Q q 0 0 0 rg BT 57.09 342.60 Td (fect our cost of capital or our ability to raise additional capital.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 318.60 Td (The table below reflects the outlook as well as the issuer credit ratings for Unum Group and the financial strength ratings for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 306.60 Td (each of our traditional insurance subsidiaries as of the date of this filing.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.58 306.60 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 282.10 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.75 282.10 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.75 282.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 282.10 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.75 282.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.75 282.10 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.75 282.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.75 282.10 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 254.10 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.75 254.10 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.75 254.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 254.10 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.75 254.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.75 254.10 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.75 254.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.75 254.10 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 226.10 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.75 226.10 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.75 226.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 226.10 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.75 226.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.75 226.10 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.75 226.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.75 226.10 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 198.10 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.75 198.10 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.75 198.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 198.10 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.75 198.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.75 198.10 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.75 198.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.75 198.10 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 170.10 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.75 170.10 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.75 170.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 170.10 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.75 170.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.75 170.10 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.75 170.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.75 170.10 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 142.10 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.75 142.10 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.75 142.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 142.10 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.75 142.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.75 142.10 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.75 142.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.75 142.10 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 114.10 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.75 114.10 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.75 114.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 114.10 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.75 114.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.75 114.10 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.75 114.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.75 114.10 43.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.75 282.1 m 421.75 282.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.75 282.1 m 469.75 282.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.75 282.1 m 518.75 282.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.75 282.1 m 566.75 282.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.55 286.67 Td (AM Best) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.45 286.67 Td (Fitch) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.95 286.67 Td (Moody's) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.45 286.67 Td (S&P) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 272.83 Td (Outlook) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.25 272.67 Td (Stable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.70 272.67 Td (Negative) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.75 272.67 Td (Stable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.25 272.67 Td (Stable) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 244.83 Td (Issuer) Tj ET Q q 0 0 0 rg BT 77.18 244.83 Td ( Cr) Tj ET Q q 0 0 0 rg BT 91.16 244.83 Td (edit Ratings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.25 244.67 Td (bbb) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.70 244.67 Td (BBB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.95 244.67 Td (Baa2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.70 244.67 Td (BBB) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 216.78 Td (Financial Str) Tj ET Q q 0 0 0 rg BT 106.90 216.78 Td (ength Ratings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 202.67 Td (Provident Life and ) Tj ET Q q 0 0 0 rg BT 140.45 202.67 Td (Accident Insurance Company) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.40 202.67 Td (A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.40 202.67 Td (A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.10 202.67 Td (A2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.40 202.67 Td (A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 188.67 Td (Provident Life and Casualty Insurance Company) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.40 188.67 Td (A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.40 188.67 Td (A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.30 188.67 Td (NR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.80 188.67 Td (NR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 174.67 Td (Unum Life Insurance Company of ) Tj ET Q q 0 0 0 rg BT 203.21 174.67 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.40 174.67 Td (A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.40 174.67 Td (A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.10 174.67 Td (A2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.40 174.67 Td (A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 160.67 Td (First Unum Life Insurance Company) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.40 160.67 Td (A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.40 160.67 Td (A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.10 160.67 Td (A2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.40 160.67 Td (A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 146.67 Td (Colonial Life & ) Tj ET Q q 0 0 0 rg BT 129.35 146.67 Td (Accident Insurance Company) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.40 146.67 Td (A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.40 146.67 Td (A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.10 146.67 Td (A2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.40 146.67 Td (A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 132.67 Td (The Paul Revere Life Insurance Company) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.40 132.67 Td (A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.40 132.67 Td (A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.10 132.67 Td (A2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.40 132.67 Td (A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 118.67 Td (Starmount Life Insurance Company) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.45 118.67 Td (A-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.80 118.67 Td (NR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.30 118.67 Td (NR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.80 118.67 Td (NR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 104.67 Td (Unum Insurance Company) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.45 104.67 Td (A-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.40 104.67 Td (A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.10 104.67 Td (A2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.80 104.67 Td (NR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 90.67 Td (Unum Limited) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.80 90.67 Td (NR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.80 90.67 Td (NR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.30 90.67 Td (NR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.45 90.67 Td (A-) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 62.60 Td (NR = not rated) Tj ET Q endstream endobj 189 0 obj <> endobj 190 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 735.60 Td (e maintain an ongoing dialogue with the four rating agencies that evaluate us in order to inform them of progress we are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (making regarding our strategic objectives and financial plans as well as other pertinent issues. ) Tj ET Q q 0 0 0 rg BT 429.39 723.60 Td (A) Tj ET Q q 0 0 0 rg BT 436.06 723.60 Td ( significant component of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (communications involves our annual review meeting with each of the four agencies. ) Tj ET Q q 0 0 0 rg BT 391.43 711.60 Td (W) Tj ET Q q 0 0 0 rg BT 400.07 711.60 Td (e hold other meetings throughout the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (year regarding our business, including, but not limited to, quarterly updates. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.60 Td (Fitch, Moody's, and S&P) Tj ET Q q 0 0 0 rg BT 150.11 675.60 Td ( af) Tj ET Q q 0 0 0 rg BT 160.20 675.60 Td (firmed their ratings for our domestic insurance subsidiaries and issuer credit ratings for Unum Group ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (during 2018. Fitch also revised their outlook to negative from stable, citing the adverse reserve development in our long-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (care business. ) Tj ET Q q 0 0 0 rg BT 109.86 651.60 Td (There have been no other changes in any of the rating agencies' outlook statements or ratings during 2018 or in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (2019 prior to the date of this filing.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (Agency ratings are not directed toward the holders of our securities and are not recommendations to buy) Tj ET Q q 0 0 0 rg BT 466.49 615.60 Td (, sell, or hold our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (securities. Each rating is subject to revision or withdrawal at any time by the assigning rating or) Tj ET Q q 0 0 0 rg BT 434.78 603.60 Td (ganization, and each rating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (should be regarded as an independent assessment, not conditional on any other rating. Given the dynamic nature of the ratings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (process, changes by these or other rating agencies may or may not occur in the near) Tj ET Q q 0 0 0 rg BT 383.62 579.60 Td (-term. ) Tj ET Q q 0 0 0 rg BT 412.22 579.60 Td (Although the outlook for capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (requirements has become more clear) Tj ET Q q 0 0 0 rg BT 195.70 567.60 Td (, there remains some uncertainty in the industry on how rating agencies will incorporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (recently announced NAIC RBC formula changes in response to tax reform. ) Tj ET Q q 0 0 0 rg BT 355.62 555.60 Td (W) Tj ET Q q 0 0 0 rg BT 364.26 555.60 Td (e continue to work closely with the rating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (agencies on these changes. In the event that we are unable to meet the rating agency specific guideline values to maintain our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (current ratings, including but not limited to maintenance of our capital management metrics at the threshold values stated and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (maintenance of our financial flexibility and operational consistency) Tj ET Q q 0 0 0 rg BT 319.03 519.60 Td (, we could be placed on a negative credit watch, with a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (potential for a downgrade to both our issuer credit ratings and our financial strength ratings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (See "Ratings" contained herein in Item 1 and "Risk Factors" contained herein in Item 1A) Tj ET Q q 0 0 0 rg BT 404.63 483.60 Td ( for further discussion. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (ITEM 7A. QUANTIT) Tj ET Q q 0 0 0 rg BT 141.82 459.60 Td (A) Tj ET Q q 0 0 0 rg BT 148.30 459.60 Td (TIVE ) Tj ET Q q 0 0 0 rg BT 174.71 459.60 Td (AND QUALIT) Tj ET Q q 0 0 0 rg BT 237.58 459.60 Td (A) Tj ET Q q 0 0 0 rg BT 244.06 459.60 Td (TIVE DISCLOSURES ) Tj ET Q q 0 0 0 rg BT 343.54 459.60 Td (ABOUT) Tj ET Q q 0 0 0 rg BT 378.92 459.60 Td ( MARKET) Tj ET Q q 0 0 0 rg BT 426.24 459.60 Td ( RISK) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 435.60 Td (e are subject to various market risk exposures, including interest rate risk and foreign exchange rate risk. ) Tj ET Q q 0 0 0 rg BT 481.15 435.60 Td (The following ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (discussion regarding our risk management activities includes forward-looking statements that involve risk and uncertainties. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (Estimates of future performance and economic conditions are reflected assuming certain changes in market rates and prices were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (to occur \(sensitivity analysis\). Caution should be used in evaluating our overall market risk from the information presented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (below) Tj ET Q q 0 0 0 rg BT 73.29 387.60 Td (, as actual results may dif) Tj ET Q q 0 0 0 rg BT 174.74 387.60 Td (fer) Tj ET Q q 0 0 0 rg BT 185.29 387.60 Td (. See "Risk Factors" contained herein in Item 1A, "Investments" contained herein in Item 7, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (and Notes 2, 3, and 4 of the "Notes to Consolidated Financial Statements" contained herein in Item 8 for further discussion of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (qualitative aspects of market risk, including derivative financial instrument activity) Tj ET Q q 0 0 0 rg BT 381.53 363.60 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (Inter) Tj ET Q q 0 0 0 rg BT 70.98 339.60 Td (est Rate Risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (Our exposure to interest rate changes results from our holdings of financial instruments such as fixed rate investments, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.60 Td (derivatives, and interest sensitive liabilities. Fixed rate investments include fixed maturity securities, mortgage loans, policy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (loans, and short-term investments. Fixed maturity securities include U.S. and foreign government bonds, securities issued by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (government agencies, public utility bonds, corporate bonds, mortgage-backed securities, and redeemable preferred stock, all of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (which are subject to risk resulting from interest rate fluctuations. Certain of our financial instruments, fixed maturity securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (and derivatives, are carried at fair value in our consolidated balance sheets. ) Tj ET Q q 0 0 0 rg BT 354.46 255.60 Td (The fair value of these financial instruments may be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (adversely af) Tj ET Q q 0 0 0 rg BT 97.90 243.60 Td (fected by changes in interest rates. ) Tj ET Q q 0 0 0 rg BT 240.07 243.60 Td (A) Tj ET Q q 0 0 0 rg BT 246.74 243.60 Td ( rise in interest rates may decrease the net unrealized gain related to these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (financial instruments, but may improve our ability to earn higher rates of return on new purchases of fixed maturity securities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (Conversely) Tj ET Q q 0 0 0 rg BT 94.40 219.60 Td (, a decline in interest rates may increase the net unrealized gain, but new securities may be purchased at lower rates of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (return. ) Tj ET Q q 0 0 0 rg BT 80.33 207.60 Td (Although changes in fair value of fixed maturity securities and derivatives due to changes in interest rates may impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (amounts reported in our consolidated balance sheets, these changes will not cause an economic gain or loss unless we sell ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.60 Td (investments, terminate derivative positions, determine that an investment is other than temporarily impaired, or determine that a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.60 Td (derivative instrument is no longer an ef) Tj ET Q q 0 0 0 rg BT 206.50 171.60 Td (fective hedge. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (Other fixed rate investments, such as mortgage loans and policy loans, are carried at amortized cost and unpaid balances, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.60 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.16 135.60 Td (, rather than fair value in our consolidated balance sheets. ) Tj ET Q q 0 0 0 rg BT 332.17 135.60 Td (These investments may have fair values substantially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.60 Td (higher or lower than the carrying values reflected in our balance sheets. ) Tj ET Q q 0 0 0 rg BT 339.94 123.60 Td (A) Tj ET Q q 0 0 0 rg BT 346.61 123.60 Td ( change in interest rates could impact our financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.60 Td (position if we sold our mortgage loan investments at times of low market value. ) Tj ET Q q 0 0 0 rg BT 373.33 111.60 Td (A) Tj ET Q q 0 0 0 rg BT 380.00 111.60 Td ( change in interest rates would not impact our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.60 Td (financial position at repayment of policy loans, as ultimately the cash surrender values or death benefits would be reduced for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.60 Td (carrying value of any outstanding policy loans. Carrying amounts for short-term investments approximate fair value, and we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.60 Td (believe we have minimal interest rate risk exposure from these investments.) Tj ET Q endstream endobj 191 0 obj <> endobj 192 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (91) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 735.60 Td (e believe that the risk of being forced to liquidate investments or terminate derivative positions is minimal, primarily due to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (level of capital at our insurance subsidiaries, the level of cash and marketable securities at our holding companies, and our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (investment strategy which we believe provides for adequate cash flows to meet the funding requirements of our business. ) Tj ET Q q 0 0 0 rg BT 539.74 711.60 Td (W) Tj ET Q q 0 0 0 rg BT 548.38 711.60 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (may in certain circumstances, however) Tj ET Q q 0 0 0 rg BT 204.87 699.60 Td (, need to sell investments due to changes in regulatory or capital requirements, changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (tax laws, rating agency decisions, and/or unexpected changes in liquidity needs. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (Although our policy benefits are primarily in the form of claim payments and we therefore have minimal exposure to the policy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (withdrawal risk associated with deposit products such as individual life policies or annuities, the fair values of liabilities under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (all insurance contracts are taken into consideration in our overall management of interest rate risk, which minimizes exposure to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (changing interest rates through the matching of investment cash flows with amounts due under insurance contracts. Changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (interest rates and individuals' behavior af) Tj ET Q q 0 0 0 rg BT 213.57 615.60 Td (fect the amount and timing of asset and liability cash flows. ) Tj ET Q q 0 0 0 rg BT 456.94 615.60 Td (W) Tj ET Q q 0 0 0 rg BT 465.58 615.60 Td (e actively manage our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (asset and liability cash flow match and our asset and liability duration match to limit interest rate risk. Due to the long duration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (of our long-term care product, the timing and/or amount of our investment cash flows may not match those of our maturing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 94.04 579.60 Td (W) Tj ET Q q 0 0 0 rg BT 102.67 579.60 Td (e model and test asset and liability portfolios to improve interest rate risk management and net yields. ) Tj ET Q q 0 0 0 rg BT 513.78 579.60 Td (T) Tj ET Q q 0 0 0 rg BT 519.19 579.60 Td (esting the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (asset and liability portfolios under various interest rate and economic scenarios enables us to choose what we believe to be the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (most appropriate investment strategy) Tj ET Q q 0 0 0 rg BT 196.87 555.60 Td (, as well as to limit the risk of disadvantageous outcomes. ) Tj ET Q q 0 0 0 rg BT 432.20 555.60 Td (W) Tj ET Q q 0 0 0 rg BT 440.84 555.60 Td (e use this analysis in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (determining hedging strategies and utilizing derivative financial instruments. ) Tj ET Q q 0 0 0 rg BT 362.01 543.60 Td (W) Tj ET Q q 0 0 0 rg BT 370.65 543.60 Td (e use current and forward interest rate swaps, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (options on forward interest rate swaps, and forward treasury locks to hedge interest rate risks and to match asset durations and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (cash flows with corresponding liabilities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (Debt is not carried at fair value in our consolidated balance sheets. If we modify or replace existing debt instruments at current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (market rates, we may incur a gain or loss on the transaction. ) Tj ET Q q 0 0 0 rg BT 294.52 483.60 Td (W) Tj ET Q q 0 0 0 rg BT 303.16 483.60 Td (e believe our debt-related risk to changes in interest rates is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (relatively minimal. In the near term, we expect that our need for external financing is small, but changes in our business could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (increase our need. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 435.60 Td (e measure our financial instruments' market risk related to changes in interest rates using a sensitivity analysis. ) Tj ET Q q 0 0 0 rg BT 505.47 435.60 Td (This analysis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (estimates potential changes in fair values as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.77 423.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.36 423.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.79 423.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.79 423.60 Td ( based on a hypothetical immediate increase of 100 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (basis points in interest rates from year end levels. ) Tj ET Q q 0 0 0 rg BT 251.77 411.60 Td (The selection of a 100 basis point immediate parallel change in interest rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (should not be construed as our prediction of future market events, but only as an illustration of the potential ef) Tj ET Q q 0 0 0 rg BT 489.76 399.60 Td (fect of such an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (event.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (The hypothetical potential changes in fair value of our financial instruments at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.51 363.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.09 363.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.53 363.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.53 363.60 Td ( are shown as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (follows: ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 287.10 265.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.25 287.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.25 287.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 287.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 287.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 287.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 287.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 287.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 259.10 265.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.25 259.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.25 259.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 259.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 259.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 259.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 259.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 259.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 231.10 265.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.25 231.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.25 231.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 231.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 231.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 231.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 231.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 231.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 203.10 265.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.25 203.10 60.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.25 203.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 203.10 60.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 203.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 203.10 60.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 203.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 203.10 60.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 163.10 265.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.25 163.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.25 163.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 163.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 163.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 163.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 163.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 163.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 135.10 265.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.25 135.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.25 135.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 135.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 135.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 135.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 135.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 135.10 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.25 327.1 m 374.25 327.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.25 327.1 m 378.25 327.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 327.1 m 438.25 327.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.25 327.1 m 442.25 327.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 327.1 m 502.25 327.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.25 327.1 m 506.25 327.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 327.1 m 566.25 327.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.25 313.1 m 442.25 313.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 313.1 m 502.25 313.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.25 313.1 m 506.25 313.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 313.1 m 566.25 313.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.25 287.1 m 374.25 287.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 287.1 m 438.25 287.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 287.1 m 502.25 287.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 313.1 m 566.25 313.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 287.1 m 566.25 287.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.45 331.67 Td (December 31, 2018) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 51.75 317.66 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.25 311.77 Td (Notional) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.90 301.77 Td (Amount of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.70 291.77 Td (Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.15 291.77 Td (Fair ) Tj ET Q q 0 0 0 rg BT 405.67 291.77 Td (V) Tj ET Q q 0 0 0 rg BT 412.25 291.77 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.90 317.67 Td (Hypothetical) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.40 291.77 Td (FV) Tj ET Q q 0 0 0 rg BT 458.09 291.77 Td ( + 100 BP) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.30 301.77 Td (Change in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.40 291.77 Td (FV) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 277.78 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 263.67 Td (Fixed Maturity Securities ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 162.46 263.67 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.75 263.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.40 263.67 Td (43,01) Tj ET Q q 0 0 0 rg BT 421.90 263.67 Td (1.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.75 263.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.40 263.67 Td (39,532.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.75 263.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.05 263.67 Td (\(3,479.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 263.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 249.67 Td (Mortgage Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.40 249.67 Td (2,317.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.40 249.67 Td (2,179.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.55 249.67 Td (\(137.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 249.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 235.67 Td (Policy Loans, Net of Reinsurance Ceded) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.90 235.67 Td (381.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.90 235.67 Td (354.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.55 235.67 Td (\(27.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 235.67 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 207.78 Td (Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 191.77 Td (Unrealized ) Tj ET Q q 0 0 0 rg BT 103.56 191.77 Td (Adjustment to Reserves, Net of Reinsurance Ceded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 181.77 Td (and Deferred ) Tj ET Q q 0 0 0 rg BT 112.16 181.77 Td (Acquisition Costs ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 186.06 181.77 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.75 181.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.05 181.82 Td (\(2,986.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.40 181.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.75 181.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.55 181.82 Td (\(470.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.40 181.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.75 181.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 181.77 Td (2,516.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 167.67 Td (Long-term Debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.05 167.72 Td (\(3,069.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.40 167.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.05 167.72 Td (\(2,866.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.40 167.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 167.67 Td (203.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 139.78 Td (Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.07 139.78 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 102.57 139.78 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 125.67 Td (Swaps) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.75 125.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 125.67 Td (799.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.75 125.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.55 125.72 Td (\(7.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.40 125.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.75 125.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.55 125.72 Td (\(29.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.40 125.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.75 125.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.55 125.67 Td (\(22.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 125.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 111.67 Td (Embedded Derivative in Modified Coinsurance ) Tj ET Q q 0 0 0 rg BT 249.64 111.67 Td (Arrangement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.55 111.72 Td (\(31.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.40 111.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.55 111.72 Td (\(32.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.40 111.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.55 111.67 Td (\(1.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 111.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 193 0 obj <> endobj 194 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (92) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 688.00 266.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.75 688.00 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.75 688.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 688.00 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 688.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 688.00 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 688.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.75 688.00 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 660.00 266.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.75 660.00 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.75 660.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 660.00 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 660.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 660.00 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 660.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.75 660.00 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 632.00 266.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.75 632.00 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.75 632.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 632.00 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 632.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 632.00 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 632.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.75 632.00 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 605.00 266.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.75 605.00 60.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.75 605.00 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 605.00 60.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 605.00 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 605.00 60.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 605.00 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.75 605.00 60.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 565.00 266.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.75 565.00 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.75 565.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 565.00 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 565.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 565.00 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 565.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.75 565.00 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 539.00 266.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.75 539.00 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.75 539.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 539.00 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 539.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 539.00 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 539.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.75 539.00 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.75 728 m 374.75 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.75 728 m 378.75 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 728 m 438.75 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 728 m 442.75 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 728 m 502.75 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 728 m 506.75 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 728 m 566.75 728 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 714 m 442.75 714 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 714 m 502.75 714 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 714 m 506.75 714 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 714 m 566.75 714 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.75 688 m 374.75 688 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 688 m 438.75 688 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 688 m 502.75 688 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 688 m 566.75 688 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.95 732.57 Td (December 31, 2017) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 51.25 718.56 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.75 712.67 Td (Notional) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.40 702.67 Td (Amount of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.20 692.67 Td (Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 692.67 Td (Fair ) Tj ET Q q 0 0 0 rg BT 406.17 692.67 Td (V) Tj ET Q q 0 0 0 rg BT 412.75 692.67 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.40 718.57 Td (Hypothetical) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.90 692.67 Td (FV) Tj ET Q q 0 0 0 rg BT 458.59 692.67 Td ( + 100 BP) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.80 702.67 Td (Change in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.90 692.67 Td (FV) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 678.68 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 664.57 Td (Fixed Maturity Securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.46 664.57 Td ( \(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.25 664.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.90 664.57 Td (45,457.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.25 664.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.90 664.57 Td (41,706.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.25 664.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.55 664.57 Td (\(3,751.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 664.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 650.57 Td (Mortgage Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.90 650.57 Td (2,306.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.90 650.57 Td (2,175.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.05 650.57 Td (\(130.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 650.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 636.57 Td (Policy Loans, Net of Reinsurance Ceded) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.40 636.57 Td (370.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.40 636.57 Td (342.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.05 636.57 Td (\(27.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 636.57 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 609.68 Td (Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 593.67 Td (Unrealized ) Tj ET Q q 0 0 0 rg BT 103.06 593.67 Td (Adjustment to Reserves, Net of Reinsurance Ceded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 583.67 Td (and Deferred ) Tj ET Q q 0 0 0 rg BT 111.66 583.67 Td (Acquisition Costs ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 185.56 583.67 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.25 583.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.55 583.72 Td (\(4,770.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.90 583.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.25 583.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.55 583.72 Td (\(2,645.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.90 583.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.25 583.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 583.67 Td (2,124.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 569.57 Td (Long-term Debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.55 569.62 Td (\(3,048.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.90 569.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.55 569.62 Td (\(2,819.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.90 569.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 569.57 Td (229.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 542.73 Td (Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.57 542.73 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 102.07 542.73 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 529.57 Td (Swaps) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 529.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.40 529.57 Td (904.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.25 529.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.05 529.62 Td (\(32.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.90 529.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.25 529.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.05 529.62 Td (\(54.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.90 529.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.25 529.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.05 529.57 Td (\(21.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 529.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 515.57 Td (Embedded Derivative in Modified Coinsurance ) Tj ET Q q 0 0 0 rg BT 249.14 515.57 Td (Arrangement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.05 515.62 Td (\(15.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.90 515.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.05 515.62 Td (\(21.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.90 515.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.05 515.57 Td (\(5.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 515.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 487.50 Td (\(1\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.83 487.50 Td (These financial instruments are carried at fair value in our consolidated balance sheets. Changes in fair value resulting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 475.50 Td (from changes in interest rates may af) Tj ET Q q 0 0 0 rg BT 197.04 475.50 Td (fect the fair value at which the item is reported in our consolidated balance sheets. ) Tj ET Q q 0 0 0 rg BT 530.34 475.50 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 463.50 Td (corresponding of) Tj ET Q q 0 0 0 rg BT 117.36 463.50 Td (fsetting change is reported in other comprehensive income or loss, net of deferred taxes, except for changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 451.50 Td (in the fair value of derivatives accounted for as fair value hedges or derivatives not designated as hedging instruments, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 439.50 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 439.50 Td (fset of which is reported as a component of net realized investment gain or loss.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 415.50 Td (\(2\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.83 415.50 Td ( ) Tj ET Q q 0 0 0 rg BT 63.15 415.50 Td (The adjustment to reserves and deferred acquisition costs for unrealized investment gains and losses reflects the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 403.50 Td (adjustments to policyholder liabilities and deferred acquisition costs that would be necessary if the unrealized investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 391.50 Td (gains and losses related to the fixed maturity securities had been realized. Changes in this adjustment are also reported as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 379.50 Td (component of other comprehensive income or loss, net of deferred taxes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 355.50 Td (The ef) Tj ET Q q 0 0 0 rg BT 75.13 355.50 Td (fect of a change in interest rates on asset prices was determined using a duration implied methodology for corporate bonds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 343.50 Td (and government and government agency securities whereby the duration of each security was used to estimate the change in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 331.50 Td (price for the security assuming an increase of 100 basis points in interest rates. ) Tj ET Q q 0 0 0 rg BT 368.67 331.50 Td (The ef) Tj ET Q q 0 0 0 rg BT 394.31 331.50 Td (fect of a change in interest rates on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 319.50 Td (mortgage-backed securities was estimated using a mortgage analytic system which takes into account the impact of changing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 307.50 Td (prepayment speeds resulting from a 100 basis point increase in interest rates on the change in price of the mortgage-backed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 295.50 Td (securities. ) Tj ET Q q 0 0 0 rg BT 94.58 295.50 Td (These hypothetical prices were compared to the actual prices for the period to compute the overall change in market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 283.50 Td (value. ) Tj ET Q q 0 0 0 rg BT 78.47 283.50 Td (The changes in the fair values shown in the chart above for all other items were determined using discounted cash flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 271.50 Td (analyses. Because we actively manage our investments and liabilities, actual changes could be less than those estimated above. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 247.50 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 247.50 Td (e remain in an environment of low interest rates, which continues to place pressure on our profit mar) Tj ET Q q 0 0 0 rg BT 460.61 247.50 Td (gins as we invest cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 235.50 Td (flows to support our businesses. ) Tj ET Q q 0 0 0 rg BT 182.37 235.50 Td (W) Tj ET Q q 0 0 0 rg BT 191.01 235.50 Td (e estimate that we will have approximately $2.9 billion of investable cash flows in 2019. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 223.50 Td (Assuming interest rates and credit spreads remain constant throughout 2020 at the January 2019 market levels, our net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 211.50 Td (investment income would decrease by approximately $0.1 million in 2019 and $1.2 million in 2020 as a result of the investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 199.50 Td (of cash flows at levels below our current expectations. ) Tj ET Q q 0 0 0 rg BT 271.75 199.50 Td (This interest rate scenario does not give consideration to the ef) Tj ET Q q 0 0 0 rg BT 522.04 199.50 Td (fect of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 187.50 Td (other factors which could impact these results, such as changes in the bond market and changes in hedging strategies and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 175.50 Td (positions, nor does it consider the potential change to our discount rate reserve assumptions and any mitigating factors such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 163.50 Td (pricing adjustments. In addition, a continued low or declining interest rate environment may also result in an increase in the net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 151.50 Td (periodic benefit costs for our pension plans, but we do not believe it would materially af) Tj ET Q q 0 0 0 rg BT 402.00 151.50 Td (fect net income in 2019 or 2020.) Tj ET Q endstream endobj 195 0 obj <> endobj 196 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (93) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 735.75 Td (For) Tj ET Q q 0 0 0 rg BT 64.87 735.75 Td (eign Curr) Tj ET Q q 0 0 0 rg BT 106.62 735.75 Td (ency Risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (The functional currency of our U.K. operations is the British pound sterling. ) Tj ET Q q 0 0 0 rg BT 359.25 711.75 Td (The functional currency of our operations in Poland ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.75 Td (is the Polish zloty) Tj ET Q q 0 0 0 rg BT 120.24 699.75 Td (. ) Tj ET Q q 0 0 0 rg BT 127.56 699.75 Td (W) Tj ET Q q 0 0 0 rg BT 136.20 699.75 Td (e are exposed to foreign currency risk arising from fluctuations in the British pound sterling and Polish ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.75 Td (zloty to U.S. dollar exchange rates primarily as they relate to the translation of the financial results of our U.K. and Polish ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.75 Td (operations. Fluctuations in exchange rates have an ef) Tj ET Q q 0 0 0 rg BT 263.41 675.75 Td (fect on our reported financial results. ) Tj ET Q q 0 0 0 rg BT 415.95 675.75 Td (W) Tj ET Q q 0 0 0 rg BT 424.59 675.75 Td (e do not hedge against the possible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.75 Td (impact of this risk. Because we do not actually convert our functional currency into dollars except for a limited number of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.75 Td (transactions, we view foreign currency translation as a financial reporting issue and not a reflection of operations or profitability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.75 Td (in our U.K. or Polish operations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.75 Td (Assuming the pound to dollar exchange rate decreased 10 percent from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.61 615.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.20 615.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.64 615.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.64 615.75 Td ( levels, stockholders' ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.75 Td (equity as reported in U.S. dollars would have been lower by approximately $62 million and $71 million, respectively) Tj ET Q q 0 0 0 rg BT 517.08 603.75 Td (. ) Tj ET Q q 0 0 0 rg BT 524.03 603.75 Td (Assuming ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.75 Td (the pound to dollar average exchange rate decreased 10 percent from the actual average exchange rates for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.88 591.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.88 591.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.32 591.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.32 591.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.75 Td (adjusted operating income, as reported in U.S. dollars, would have decreased approximately $1) Tj ET Q q 0 0 0 rg BT 430.13 579.75 Td (1 million in each year) Tj ET Q q 0 0 0 rg BT 516.77 579.75 Td (. Our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.75 Td (Polish operations are currently not a significant portion of our overall operations, any changes in the dollar exchange rate would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.75 Td (not represent a material impact to our reported financial results in U.S. dollars. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.75 Td (Dividends paid by Unum Limited are generally held at our U.K. finance subsidiary or our U.K. holding company) Tj ET Q q 0 0 0 rg BT 501.80 531.75 Td (. If these funds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.75 Td (are repatriated to our U.S. holding company) Tj ET Q q 0 0 0 rg BT 224.91 519.75 Td (, we would at that time be subject to foreign currency risk as the value of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.75 Td (dividend, when converted into U.S. dollars, would be dependent upon the foreign exchange rate at the time of conversion. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 483.75 Td (e are also exposed to foreign currency risk related to certain foreign investment securities denominated in local currencies. ) Tj ET Q q 0 0 0 rg BT 552.76 483.75 Td (W) Tj ET Q q 0 0 0 rg BT 561.40 483.75 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.75 Td (use foreign currency interest rate swaps to hedge or minimize the foreign exchange risk associated with these instruments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.75 Td (See "Risk Factors" contained herein in Item 1A) Tj ET Q q 0 0 0 rg BT 239.01 447.75 Td ( and "Consolidated Operating Results" and "Unum International Segment" ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.75 Td (contained herein in Item 7 for further information concerning foreign currency translation.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 411.75 Td (Risk Management) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.75 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.75 Td (Ef) Tj ET Q q 0 0 0 rg BT 58.76 387.75 Td (fectively taking and managing risks is essential to the success of our Company) Tj ET Q q 0 0 0 rg BT 372.48 387.75 Td (. ) Tj ET Q q 0 0 0 rg BT 379.80 387.75 Td (T) Tj ET Q q 0 0 0 rg BT 385.21 387.75 Td (o facilitate this ef) Tj ET Q q 0 0 0 rg BT 454.72 387.75 Td (fort, we have a formal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.75 Td (Enterprise Risk Management \(ERM\) program, with a framework comprising the following key components: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.75 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 351.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 351.75 Td (Risk-aware culture and governance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 339.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 339.75 Td (Risk appetite policy) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 327.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 327.75 Td (Risk identification and prioritization) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 315.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 315.75 Td (Risk and capital modeling) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 303.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 303.75 Td (Risk management activities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 291.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 291.75 Td (Risk reporting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.75 Td (Our ERM framework is the ongoing system of people, processes, and tools across our Company under which we intend to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.75 Td (function consistently and collectively to identify and assess risks and opportunities, to manage all material risks within our risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.75 Td (appetite, and to contribute to strategic decision making. ) Tj ET Q q 0 0 0 rg BT 276.20 243.75 Td (W) Tj ET Q q 0 0 0 rg BT 285.24 243.75 Td (ith the goal of maximizing shareholder value, the primary objectives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.75 Td (of our ERM framework are to support Unum Group in meeting its operational and financial objectives, maintaining liquidity) Tj ET Q q 0 0 0 rg BT 547.63 231.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.75 Td (optimizing capital, and protecting franchise value.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 195.75 Td (Risk-A) Tj ET Q q 0 0 0 rg BT 90.60 195.75 Td (ware Culture and Governance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 171.75 Td (e employ a risk management model under which risk-based decisions are made daily on a local level. ) Tj ET Q q 0 0 0 rg BT 468.10 171.75 Td (T) Tj ET Q q 0 0 0 rg BT 473.51 171.75 Td (o achieve long-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.75 Td (success, we believe risk management must be the responsibility of all employees. ) Tj ET Q q 0 0 0 rg BT 380.07 159.75 Td (The individual and collective decisions of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.75 Td (employees play a key role in successfully managing our overall risk profile. ) Tj ET Q q 0 0 0 rg BT 357.56 147.75 Td (W) Tj ET Q q 0 0 0 rg BT 366.20 147.75 Td (e strive for a culture of integrity) Tj ET Q q 0 0 0 rg BT 493.28 147.75 Td (, commitment, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.75 Td (and accountability and we believe these values allow our employees to feel comfortable identifying issues as well as taking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.75 Td (ownership for addressing potential problems. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.75 Td (Our employees have an obligation to report issues that they believe will have a material financial, reputational, or regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.75 Td (impact to the Company) Tj ET Q q 0 0 0 rg BT 142.44 87.75 Td (. ) Tj ET Q q 0 0 0 rg BT 149.76 87.75 Td (W) Tj ET Q q 0 0 0 rg BT 158.40 87.75 Td (e of) Tj ET Q q 0 0 0 rg BT 173.49 87.75 Td (fer several channels for employees to report their issues or concerns and encourage employees to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.75 Td (use the channel that is most appropriate for their situation. ) Tj ET Q q 0 0 0 rg BT 287.03 75.75 Td (W) Tj ET Q q 0 0 0 rg BT 295.67 75.75 Td (e recommend that an employee initially discuss their concerns with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.75 Td (their manager; however) Tj ET Q q 0 0 0 rg BT 144.06 63.75 Td (, if that channel is not appropriate an employee may use any of the other reporting channels available. ) Tj ET Q endstream endobj 197 0 obj <> endobj 198 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (94) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (By employing various approaches, we have established a culture that supports candid discussion and reporting of risks while ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (empowering our employees to take ownership for risk management.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.60 Td (Our culture is reinforced by our system of risk governance. ) Tj ET Q q 0 0 0 rg BT 290.91 699.60 Td (W) Tj ET Q q 0 0 0 rg BT 299.55 699.60 Td (e employ a multi-layered risk control system. Our three lines of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (defense model is depicted below) Tj ET Q q 0 0 0 rg BT 179.36 687.60 Td (.) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 60.25 652.1 m 223.25 652.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.25 652.1 m 389.25 652.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.25 652.1 m 555.25 652.1 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 83.15 655.83 Td (1st Line: Own and Manage) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 268.55 655.83 Td (2nd Line: Oversee) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.20 655.83 Td (3rd Line: Independent ) Tj ET Q q 0 0 0 rg BT 500.83 655.83 Td (Assurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.75 642.67 Td (Business processes and procedures) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.75 632.67 Td (employed throughout the Company) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.75 622.67 Td (through which management assumes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.75 612.67 Td (and monitors significant risks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.75 642.67 Td (Management committees chartered) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.75 632.67 Td (with oversight of activities within the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.75 622.67 Td (1st and 2nd lines of defense,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.75 612.67 Td (mitigation of substantial exposures,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.75 602.67 Td (and management of emer) Tj ET Q q 0 0 0 rg BT 330.91 602.67 Td (ging risks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.75 642.67 Td (Independent assurance on the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.75 632.67 Td (ef) Tj ET Q q 0 0 0 rg BT 403.34 632.67 Td (fectiveness of governance, risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.75 622.67 Td (management, and internal control) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.75 612.67 Td (performed by internal audit and the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.75 602.67 Td (board of directors) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 571.60 Td (Business units are primarily responsible for managing their principal risks. Our risk committees and other management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 559.60 Td (committees serve risk and control functions responsible for providing risk oversight, or the second line of risk control. Our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 547.60 Td (internal audit team provides periodic independent reviews and assurance activities serving as our third line of risk control. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 523.60 Td (In addition, our board has an active role, as a whole and through its committees, in overseeing management of our risks. ) Tj ET Q q 0 0 0 rg BT 534.74 523.60 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 511.60 Td (board is responsible for the oversight of strategic risk and regularly reviews information regarding our capital, liquidity) Tj ET Q q 0 0 0 rg BT 525.66 511.60 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 499.60 Td (operations, as well as the risks associated with each. ) Tj ET Q q 0 0 0 rg BT 263.15 499.60 Td (The risk and finance committee of the board is responsible for oversight of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 487.60 Td (our risk management process, including financial risk, operational risk, and any other risk not specifically assigned to another ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 475.60 Td (board committee. It also is responsible for oversight of risks associated with investments, capital and financing plans and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 463.60 Td (activities, and related financial matters, including matters pertaining to our Closed Block segment. ) Tj ET Q q 0 0 0 rg BT 447.82 463.60 Td (The audit committee of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 451.60 Td (board is responsible for oversight of risks relating to financial reporting risk and certain operational risks. Cyber) Tj ET Q q 0 0 0 rg BT 500.29 451.60 Td (-related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 439.60 Td (operational risk is the joint responsibility of the risk and finance committee and the audit committee. ) Tj ET Q q 0 0 0 rg BT 456.44 439.60 Td (The human capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 427.60 Td (committee of the board is responsible for oversight of risks relating to our compensation plans and programs. ) Tj ET Q q 0 0 0 rg BT 491.17 427.60 Td (The regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 415.60 Td (compliance committee of the board is responsible for oversight of risks related to regulatory) Tj ET Q q 0 0 0 rg BT 417.35 415.60 Td (, compliance, policy) Tj ET Q q 0 0 0 rg BT 497.79 415.60 Td (, and legal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 403.60 Td (matters, both current and emer) Tj ET Q q 0 0 0 rg BT 171.77 403.60 Td (ging, and whether of a local, state, federal, or international nature. ) Tj ET Q q 0 0 0 rg BT 440.65 403.60 Td (While each committee is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 391.60 Td (responsible for evaluating certain risks and overseeing the management of such risks, the entire board is regularly informed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 379.60 Td (through committee reports about such risks in addition to the risk information it receives directly) Tj ET Q q 0 0 0 rg BT 435.98 379.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 355.60 Td (Our executive risk management committee is responsible for overseeing our enterprise-wide risk management program. ) Tj ET Q q 0 0 0 rg BT 534.16 355.60 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 343.60 Td (chief risk of) Tj ET Q q 0 0 0 rg BT 97.63 343.60 Td (ficer) Tj ET Q q 0 0 0 rg BT 115.55 343.60 Td (, who is a member of the executive risk management committee, has primary responsibility for our ERM ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 331.60 Td (program and is supported by corporate risk committees and by the risk committees of our operating segments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 307.60 Td (Operating segment risk committees for Unum US, Unum International, Colonial Life, and Closed Block are responsible for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 295.60 Td (oversight of risks specific to their businesses. ) Tj ET Q q 0 0 0 rg BT 235.68 295.60 Td (These committees are responsible for identifying, measuring, reporting, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 283.60 Td (managing strategic insurance and operational risks within their respective areas, consistent with enterprise risk management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 271.60 Td (guidance. Corporate risk committees and other management committees oversee the operational, global technology services, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 259.60 Td (investment, and capital management risks on a corporate level. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 235.60 Td (Risk ) Tj ET Q q 0 0 0 rg BT 83.47 235.60 Td (Appetite Policy) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 211.60 Td (Our risk appetite policy describes the types of risks we are willing to take, as well as the amount of enterprise risk exposure we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 199.60 Td (deem acceptable in pursuit of our goals, with an objective of clearly defining boundaries for our risk-taking activities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 175.60 Td (The starting point of our philosophy and approach to our ERM strategy is our corporate strategy) Tj ET Q q 0 0 0 rg BT 433.48 175.60 Td (. In contrast to many multi-line ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 163.60 Td (peer companies, we do not of) Tj ET Q q 0 0 0 rg BT 167.06 163.60 Td (fer retirement savings, traditional medical benefits, or property and casualty insurance. Our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 151.60 Td (corporate strategy is focused on providing group, individual, and voluntary benefits, either as stand-alone products or combined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 139.60 Td (with other coverages, that create comprehensive benefits solutions for employers. ) Tj ET Q q 0 0 0 rg BT 380.60 139.60 Td (W) Tj ET Q q 0 0 0 rg BT 389.24 139.60 Td (e have market leadership positions in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 127.60 Td (product lines we of) Tj ET Q q 0 0 0 rg BT 126.24 127.60 Td (fer and believe this combination of focused expertise and experience is a competitive advantage and forms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 115.60 Td (the foundation of our approach to risk management.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 91.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 91.60 Td (e believe our sound and consistent business practices, strong internal compliance program, and comprehensive risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 79.60 Td (management strategy enable us to operate ef) Tj ET Q q 0 0 0 rg BT 227.02 79.60 Td (ficiently and to identify and address potential areas of risk in our business. ) Tj ET Q q 0 0 0 rg BT 529.27 79.60 Td (W) Tj ET Q q 0 0 0 rg BT 537.90 79.60 Td (e take ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 67.60 Td (and manage risks to achieve our business and strategic objectives, and our risk appetite statement sets boundaries for risk-taking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 55.60 Td (activities that link earnings, capital, and operational processes, as well as summarizes our most material risk limits and controls. ) Tj ET Q endstream endobj 199 0 obj <> endobj 200 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (95) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 735.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 735.60 Td (e monitor our risk profile against our established risk tolerance and limits. Risks falling outside our risk tolerance and limits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 723.60 Td (are reported to the applicable governance group, where decisions are made pertaining to acceptance of the risk or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.60 Td (implementation of remediation plans or corrective actions as deemed appropriate by that governance group.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 687.60 Td (Risk Identification and Prioritization) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (Risk identification and prioritization is an ongoing process, whereby we identify and assess our risk positions and exposures, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.60 Td (including notable risk events. ) Tj ET Q q 0 0 0 rg BT 171.70 651.60 Td (Additionally) Tj ET Q q 0 0 0 rg BT 221.60 651.60 Td (, we identify emer) Tj ET Q q 0 0 0 rg BT 294.17 651.60 Td (ging risks and analyze how material future risks might af) Tj ET Q q 0 0 0 rg BT 521.99 651.60 Td (fect us. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (Knowing the potential risks we face, allows us to monitor and manage their potential ef) Tj ET Q q 0 0 0 rg BT 399.50 639.60 Td (fects including adjusting our strategies as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (appropriate and holding capital levels which provide financial flexibility) Tj ET Q q 0 0 0 rg BT 338.76 627.60 Td (. Risk and other management committees have primary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (responsibility for identifying and prioritizing risks within their respective areas.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 591.60 Td (e face a wide range of risks, and our continued success depends on our ability to identify and appropriately manage our risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (exposures. For additional information on certain risks that may adversely af) Tj ET Q q 0 0 0 rg BT 354.79 579.60 Td (fect our business, operating results, or financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (condition see "Cautionary Statement Regarding Forward-Looking Statements" contained herein on page 1 and "Risk Factors" ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (contained herein in Item 1A.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 531.60 Td (Risk Modeling and Controls) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 507.60 Td (e assess material risks, including how they af) Tj ET Q q 0 0 0 rg BT 238.47 507.60 Td (fect us and how individual risks interrelate, to provide valuable information to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (management in order that they may ef) Tj ET Q q 0 0 0 rg BT 201.48 495.60 Td (fectively manage our risks. ) Tj ET Q q 0 0 0 rg BT 314.60 495.60 Td (W) Tj ET Q q 0 0 0 rg BT 323.24 495.60 Td (e use qualitative and quantitative approaches to assess ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (existing and emer) Tj ET Q q 0 0 0 rg BT 120.41 483.60 Td (ging risks and to develop mitigating strategies to limit our exposure to both.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 459.60 Td (e utilize stress testing and scenario analysis for risk management and to shape our business, financial, and strategic planning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (activities. Both are key components of our risk appetite policy and play an important role in monitoring, assessing, managing, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (and mitigating our primary risk exposures. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 413.60 Td (In particular) Tj ET Q q 0 0 0 rg BT 98.24 413.60 Td (, stress testing of our capital and liquidity management strategies enables us to identify areas of high exposure, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 401.60 Td (assess mitigating actions, develop contingency plans, and guide decisions around our tar) Tj ET Q q 0 0 0 rg BT 402.85 401.60 Td (get capital and liquidity levels. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 389.60 Td (example, we periodically perform stress tests on certain categories of assets or liabilities to support development of capital and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 377.60 Td (liquidity risk contingency plans. ) Tj ET Q q 0 0 0 rg BT 183.19 377.60 Td (These tests help ensure that we have a buf) Tj ET Q q 0 0 0 rg BT 351.28 377.60 Td (fer to support our operations in uncertain times and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 365.60 Td (financial flexibility to respond to market opportunities. Stress testing is also central to reserve adequacy testing, cash flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 353.60 Td (testing, and asset and liability management. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 331.60 Td (In addition, we aim to constantly improve our capital modeling techniques and methodologies that are used to determine a level ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 319.60 Td (of capital that is commensurate with our risk profile and to ensure compliance with evolving regulatory and rating agency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 307.60 Td (requirements. Our capital modeling reflects appropriate aggregation of risks and diversification benefits resulting from our mix ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 295.60 Td (of products and business units.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 271.60 Td (Our internal capital modeling and allocation aids us in making significant business decisions including strategic planning, capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 259.60 Td (management, risk limit determination, reinsurance purchases, hedging activities, asset allocation, pricing, and corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 247.60 Td (development.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 223.60 Td (Risk Management ) Tj ET Q q 0 0 0 rg BT 140.42 223.60 Td (Activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 199.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 199.60 Td (e accept and manage strategic, credit, and insurance risks in accordance with our corporate strategy) Tj ET Q q 0 0 0 rg BT 454.53 199.60 Td (, investment policy) Tj ET Q q 0 0 0 rg BT 530.26 199.60 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 187.60 Td (annual business plans. ) Tj ET Q q 0 0 0 rg BT 143.47 187.60 Td (The following fundamental principles are embedded in our risk management ef) Tj ET Q q 0 0 0 rg BT 460.41 187.60 Td (forts across our Company) Tj ET Q q 0 0 0 rg BT 562.80 187.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 163.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 163.60 Td (W) Tj ET Q q 0 0 0 rg BT 94.14 163.60 Td (e believe in the benefits of specialization and a focused business strategy) Tj ET Q q 0 0 0 rg BT 384.78 163.60 Td (. ) Tj ET Q q 0 0 0 rg BT 392.10 163.60 Td (W) Tj ET Q q 0 0 0 rg BT 400.73 163.60 Td (e seek profitable risk-taking in areas ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 151.60 Td (where we have established risk management skills and capabilities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 139.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 139.60 Td (W) Tj ET Q q 0 0 0 rg BT 94.14 139.60 Td (e seek to manage our exposure to insurance risk through a combination of prudent underwriting with ef) Tj ET Q q 0 0 0 rg BT 507.17 139.60 Td (fective risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 127.60 Td (selection, maintaining pricing discipline, sound reserving practices, claims operational ef) Tj ET Q q 0 0 0 rg BT 441.32 127.60 Td (fectiveness, and selective use ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 115.60 Td (of reinsurance. Detailed underwriting guidelines and claim policies are tools used to manage our insurance risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 103.60 Td (exposure. ) Tj ET Q q 0 0 0 rg BT 128.92 103.60 Td (W) Tj ET Q q 0 0 0 rg BT 137.56 103.60 Td (e also monitor exposures against internally prescribed limits, and we diversify to reduce potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 91.60 Td (concentration risk and volatility) Tj ET Q q 0 0 0 rg BT 212.32 91.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 79.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 79.60 Td (W) Tj ET Q q 0 0 0 rg BT 94.14 79.60 Td (e maintain a detailed set of investment policies and guidelines, including fundamental credit analysis, that are used to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 67.60 Td (manage our credit risk exposure and diversify our risks across asset classes and issuers.) Tj ET Q endstream endobj 201 0 obj <> endobj 202 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (96) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 735.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 735.60 Td (W) Tj ET Q q 0 0 0 rg BT 94.14 735.60 Td (e value the importance of managing cyber) Tj ET Q q 0 0 0 rg BT 262.20 735.60 Td (-related risks, and have policies and procedures in place to help protect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 723.60 Td (against insider trading and allow for timely disclosure of material cybersecurity events. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 711.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 711.60 Td (Finally) Tj ET Q q 0 0 0 rg BT 113.19 711.60 Td (, we foster a risk-aware culture that embeds our corporate values and our code of conduct in our daily operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 699.60 Td (and preserves our reputation with customers and other key stakeholders. ) Tj ET Q q 0 0 0 rg BT 379.12 699.60 Td (W) Tj ET Q q 0 0 0 rg BT 387.76 699.60 Td (e monitor a composite set of operational risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 687.60 Td (metrics that measure operating ef) Tj ET Q q 0 0 0 rg BT 218.60 687.60 Td (fectiveness from the customer perspective.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.00 663.60 Td (Risk Reporting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (Regular internal and external risk reporting is an integral part of our ERM framework. Internally) Tj ET Q q 0 0 0 rg BT 437.61 639.60 Td (, ERM reports are a standard ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (part of our quarterly senior management and board meetings. ) Tj ET Q q 0 0 0 rg BT 298.96 627.60 Td (The reports summarize our existing and emer) Tj ET Q q 0 0 0 rg BT 480.38 627.60 Td (ging risk exposures, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (as well as report against the tolerances and limits defined by our risk appetite policy) Tj ET Q q 0 0 0 rg BT 384.86 615.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.60 Td (Externally) Tj ET Q q 0 0 0 rg BT 90.50 591.60 Td (, we are subject to a number of regulatory and rating agency risk examinations, and risk reports are often included. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (Annually) Tj ET Q q 0 0 0 rg BT 86.07 579.60 Td (, we file our Own Risk and Solvency ) Tj ET Q q 0 0 0 rg BT 235.77 579.60 Td (Assessment \(ORSA\) summary report with the applicable insurance regulators for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (our U.S. insurance subsidiaries. ) Tj ET Q q 0 0 0 rg BT 180.96 567.60 Td (This report provides strong evidence of the strengths of our ERM framework, measurement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (approaches, key assumptions utilized in assessing our risks, and prospective solvency assessments under both normal and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (stressed conditions. See "Regulation" contained herein in Item 1 for additional information regarding the ORSA.) Tj ET Q endstream endobj 203 0 obj <> endobj 204 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (97) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 735.75 Td (ITEM 8. FINANCIAL) Tj ET Q q 0 0 0 rg BT 144.79 735.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 158.78 735.75 Td (A) Tj ET Q q 0 0 0 rg BT 165.26 735.75 Td (TEMENTS ) Tj ET Q q 0 0 0 rg BT 216.11 735.75 Td (AND SUPPLEMENT) Tj ET Q q 0 0 0 rg BT 307.87 735.75 Td (AR) Tj ET Q q 0 0 0 rg BT 321.96 735.75 Td (Y) Tj ET Q q 0 0 0 rg BT 328.81 735.75 Td ( DA) Tj ET Q q 0 0 0 rg BT 345.01 735.75 Td (T) Tj ET Q q 0 0 0 rg BT 350.94 735.75 Td (A) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 183.30 699.75 Td (Report of Independent Register) Tj ET Q q 0 0 0 rg BT 318.38 699.75 Td (ed Public ) Tj ET Q q 0 0 0 rg BT 360.06 699.75 Td (Accounting Firm ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.75 Td (T) Tj ET Q q 0 0 0 rg BT 54.91 663.75 Td (o the Board of Directors and Stockholders of Unum Group) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 639.75 Td (Opinion on the Financial Statements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 615.75 Td (e have audited the accompanying consolidated balance sheets of Unum Group and subsidiaries \(the Company\) as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.08 603.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.52 603.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.52 603.75 Td (, and the related consolidated statements of income, comprehensive income, stockholders' equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.75 Td (and cash flows for each ofthe three years in the period ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.45 591.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.04 591.75 Td (, and the related notes and financial statement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.75 Td (schedules listed in the Index at Item 15\(a\)\(2\) \(collectively referred to as the "financial statements"\). In our opinion, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.75 Td (financial statements referred to above present fairly) Tj ET Q q 0 0 0 rg BT 254.87 567.75 Td (, in all material respects, the consolidated financial position of the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.75 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.22 555.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.80 555.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.24 555.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.24 555.75 Td (, and the consolidated results of operations and its cash flows for each of the three years in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.75 Td (period ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.92 543.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.51 543.75 Td (, in conformity with U.S. generally accepted accounting principles. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 519.75 Td (e also have audited, in accordance with the standards of the Public Company ) Tj ET Q q 0 0 0 rg BT 366.94 519.75 Td (Accounting Oversight Board \(United States\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.75 Td (\(PCAOB\), the Company) Tj ET Q q 0 0 0 rg BT 150.89 507.75 Td (s internal control over financial reporting as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.71 507.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.29 507.75 Td (, based on criteria established in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.75 Td (Internal Control -Integrated Framework issued by the Committee of Sponsoring Or) Tj ET Q q 0 0 0 rg BT 382.03 495.75 Td (ganizations of the ) Tj ET Q q 0 0 0 rg BT 455.44 495.75 Td (T) Tj ET Q q 0 0 0 rg BT 461.19 495.75 Td (readway Commission ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.75 Td (\(2013 framework\) and our report dated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.33 483.75 Td (February19, 2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.93 483.75 Td ( expressed an unqualified opinion thereon.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 459.75 Td (Basis for) Tj ET Q q 0 0 0 rg BT 86.82 459.75 Td ( Opinion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.75 Td (These financial statements and schedules are the responsibility of the Company's management. Our responsibility is to express ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.75 Td (an opinion on the Company's financial statements based on our audits. ) Tj ET Q q 0 0 0 rg BT 335.79 423.75 Td (W) Tj ET Q q 0 0 0 rg BT 344.43 423.75 Td (e are a public accounting firm registered with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.75 Td (PCAOB and are required to be independent with respect to the Company in accordance with the U.S. federal securities laws ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.75 Td (and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 375.75 Td (e conducted our audits in accordance with the standards of the PCAOB. ) Tj ET Q q 0 0 0 rg BT 350.10 375.75 Td (Those standards require that we plan and perform ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.75 Td (the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.75 Td (to error or fraud. Our audits included performing procedures to assess the risks of material misstatement of the financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.75 Td (statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.75 Td (examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.75 Td (included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.75 Td (overall presentation of the financial statements. ) Tj ET Q q 0 0 0 rg BT 243.69 303.75 Td (W) Tj ET Q q 0 0 0 rg BT 252.33 303.75 Td (e believe that our audits provide a reasonable basis for our opinion.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.40 243.75 Td (/s/ Ernst & ) Tj ET Q q 0 0 0 rg BT 520.86 243.75 Td (Y) Tj ET Q q 0 0 0 rg BT 527.08 243.75 Td (oung LLP) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 195.75 Td (e have served as the Company) Tj ET Q q 0 0 0 rg BT 182.26 195.75 Td (s auditor since 1999. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.75 Td (Chattanooga, ) Tj ET Q q 0 0 0 rg BT 104.86 171.75 Td (T) Tj ET Q q 0 0 0 rg BT 110.27 171.75 Td (ennessee) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.75 Td (February19, 2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.10 159.75 Td ( ) Tj ET Q endstream endobj 205 0 obj <> endobj 206 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (98) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 735.75 Td (CONSOLIDA) Tj ET Q q 0 0 0 rg BT 106.74 735.75 Td (TED BALANCE SHEETS ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (Unum Group and Subsidiaries) 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412.00 480.45 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.00 480.45 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 480.45 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 452.45 362.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.00 452.45 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.00 452.45 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 452.45 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 424.45 362.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.00 424.45 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.00 424.45 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 424.45 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 396.45 362.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.00 396.45 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.00 396.45 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ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 415.02 Td (350.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 415.02 Td (338.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 401.02 Td (Property and Equipment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 401.02 Td (546.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 401.02 Td (504.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 387.02 Td (Deferred Income ) Tj ET Q q 0 0 0 rg BT 140.92 387.02 Td (T) Tj ET Q q 0 0 0 rg BT 146.59 387.02 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 387.02 Td (109.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 554.15 387.02 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 373.02 Td (Other ) Tj ET Q q 0 0 0 rg BT 95.22 373.02 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.65 373.02 Td (789.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 373.02 Td (628.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 345.18 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 345.18 Td (otal ) Tj ET Q q 0 0 0 rg BT 76.31 345.18 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.50 345.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 345.02 Td (61,875.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.50 345.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.15 345.02 Td (64,013.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 328.95 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 316.95 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.50 316.95 Td (See notes to consolidated financial statements.) 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rg BT 533.15 497.82 Td (2,738.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 483.82 Td (Payables for Collateral on Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.65 483.82 Td (128.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 483.82 Td (396.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 469.82 Td (Other Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.15 469.82 Td (1,634.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 469.82 Td (1,726.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 441.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.71 441.98 Td (otal Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.15 441.82 Td (53,253.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.15 441.82 Td (54,438.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 413.98 Td (Commitments and Contingent Liabilities - Note 14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 385.98 Td (Stockholders' Equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 371.82 Td (Common Stock, $0.10 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ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 301.82 Td (9,542.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 287.82 Td (T) Tj ET Q q 0 0 0 rg BT 76.26 287.82 Td (reasury Stock - at cost: 90,551,513 and 81,900,950 shares) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.80 287.87 Td (\(2,779.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.15 287.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.80 287.82 Td (\(2,428.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 287.82 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 259.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.71 259.98 Td (otal Stockholders' Equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.15 259.82 Td (8,621.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 259.82 Td (9,574.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 231.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 231.98 Td (otal Liabilities and Stockholders' Equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.50 231.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.15 231.82 Td (61,875.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.50 231.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.15 231.82 Td (64,013.1) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 203.75 Td (See notes to consolidated financial statements.) 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Td (198.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.65 503.02 Td (197.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 503.02 Td (205.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 489.18 Td (T) Tj ET Q q 0 0 0 rg BT 58.71 489.18 Td (otal Revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.15 489.02 Td (1) Tj ET Q q 0 0 0 rg BT 389.15 489.02 Td (1,598.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 489.02 Td (1) Tj ET Q q 0 0 0 rg BT 461.15 489.02 Td (1,286.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.15 489.02 Td (1) Tj ET Q q 0 0 0 rg BT 533.15 489.02 Td (1,046.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 461.18 Td (Benefits and Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 447.02 Td (Benefits and Change in Reserves for Future Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.15 447.02 Td (8,020.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 447.02 Td (7,055.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 447.02 Td (6,941.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 433.02 Td (Commissions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.15 433.02 Td (1,108.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 433.02 Td (1,060.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 433.02 Td (1,026.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 419.02 Td (Interest and Debt Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 419.02 Td (167.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.65 419.02 Td (159.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 419.02 Td (166.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 405.02 Td (Deferral of ) Tj ET Q q 0 0 0 rg BT 116.86 405.02 Td (Acquisition Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.30 405.07 Td (\(668.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 405.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.30 405.07 Td (\(628.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.15 405.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.30 405.02 Td (\(592.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 405.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 391.02 Td (Amortization of Deferred ) Tj ET Q q 0 0 0 rg BT 174.90 391.02 Td (Acquisition Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 391.02 Td (565.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.65 391.02 Td (527.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 391.02 Td (493.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 377.02 Td (Compensation Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 377.02 Td (885.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.65 377.02 Td (852.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 377.02 Td (839.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 363.02 Td (Other Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 363.02 Td (891.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.65 363.02 Td (855.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 363.02 Td (824.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 349.18 Td (T) Tj ET Q q 0 0 0 rg BT 58.71 349.18 Td (otal Benefits and Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.15 349.02 Td (10,970.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 349.02 Td (9,882.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 349.02 Td (9,698.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 321.18 Td (Income Befor) Tj ET Q q 0 0 0 rg BT 110.45 321.18 Td (e Income ) Tj ET Q q 0 0 0 rg BT 151.36 321.18 Td (T) Tj ET Q q 0 0 0 rg BT 157.49 321.18 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 321.02 Td (627.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 321.02 Td (1,404.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 321.02 Td (1,347.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 293.18 Td (Income ) Tj ET Q q 0 0 0 rg BT 86.57 293.18 Td (T) Tj ET Q q 0 0 0 rg BT 92.69 293.18 Td (ax Expense \(Benefit\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 279.02 Td (Current) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 279.02 Td (227.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.65 279.02 Td (401.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 279.02 Td (385.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 265.02 Td (Deferred) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.30 265.07 Td (\(123.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 265.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.65 265.02 Td (8.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 265.02 Td (30.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 251.18 Td (T) Tj ET Q q 0 0 0 rg BT 58.71 251.18 Td (otal Income ) Tj ET Q q 0 0 0 rg BT 110.93 251.18 Td (T) Tj ET Q q 0 0 0 rg BT 117.05 251.18 Td (ax Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 251.02 Td (104.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.65 251.02 Td (409.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 251.02 Td (416.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 223.18 Td (Net Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.50 223.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 223.02 Td (523.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.50 223.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.65 223.02 Td (994.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.50 223.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 223.02 Td (931.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 195.18 Td (Net Income Per) Tj ET Q q 0 0 0 rg BT 118.96 195.18 Td ( Common Shar) Tj ET Q q 0 0 0 rg BT 183.78 195.18 Td (e) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 181.02 Td (Basic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.50 181.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.65 181.02 Td (2.38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.50 181.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.65 181.02 Td (4.39) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.50 181.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 181.02 Td (3.96) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 167.02 Td (Assuming Dilution) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.50 167.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.65 167.02 Td (2.38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.50 167.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.65 167.02 Td (4.37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.50 167.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 167.02 Td (3.95) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 138.95 Td (See notes to consolidated financial statements.) 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513.02 Td (Adjustment \(net of tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 503.02 Td (benefit of $0.6; $-; $-\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.30 501.17 Td (\(50.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 501.12 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.65 501.12 Td (99.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.30 501.12 Td (\(180.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 564.15 501.12 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 487.02 Td (Change in Unrecognized Pension and Postretirement Benefit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 477.02 Td (Costs \(net of tax expense \(benefit\) of $17.0; $\(8.3\); $\(34.2\)\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 475.12 Td (60.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.30 475.17 Td (\(43.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 475.12 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.30 475.12 Td (\(72.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 564.15 475.12 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 461.18 Td (T) Tj ET Q q 0 0 0 rg BT 58.71 461.18 Td (otal Other) Tj ET Q q 0 0 0 rg BT 102.32 461.18 Td ( Compr) Tj ET Q q 0 0 0 rg BT 135.19 461.18 Td (ehensive Income \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 461.07 Td (\(924.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 461.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.65 461.02 Td (178.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.30 461.02 Td (\(67.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 564.15 461.02 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 433.18 Td (Compr) Tj ET Q q 0 0 0 rg BT 82.87 433.18 Td (ehensive Income \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.50 433.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 433.07 Td (\(400.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 433.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.50 433.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 433.02 Td (1,172.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.50 433.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 433.02 Td (864.3) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 404.95 Td (See notes to consolidated financial statements.) 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173.70 629.18 Td (Activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 616.02 Td (Net Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.50 616.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.65 616.02 Td (523.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.50 616.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.65 616.02 Td (994.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.50 616.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 616.02 Td (931.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 603.02 Td (Adjustments to Reconcile Net Income to Net Cash Provided by) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 593.02 Td (Operating ) Tj ET Q q 0 0 0 rg BT 112.71 593.02 Td (Activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 578.02 Td (Change in Receivables) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.30 578.07 Td (\(4.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 578.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.30 578.07 Td (\(101.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.15 578.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.30 578.02 Td (\(167.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 578.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 565.02 Td (Change in Deferred ) Tj ET Q q 0 0 0 rg BT 169.58 565.02 Td (Acquisition Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.30 565.07 Td (\(102.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 565.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.30 565.07 Td (\(100.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.15 565.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 565.02 Td (\(99.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 565.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 552.02 Td (Change in Insurance Reserves and Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.15 552.02 Td (1,193.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.65 552.02 Td (441.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 552.02 Td (368.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 539.02 Td (Change in Income ) Tj ET Q q 0 0 0 rg BT 164.22 539.02 Td (T) Tj ET Q q 0 0 0 rg BT 169.89 539.02 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.30 539.07 Td (\(39.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 539.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 539.02 Td (25.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 539.02 Td (34.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 526.02 Td (Change in Other ) Tj ET Q q 0 0 0 rg BT 156.82 526.02 Td (Accrued Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.30 526.07 Td (\(10.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 526.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 526.02 Td (14.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 526.02 Td (125.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 513.02 Td (Non-cash Components of Net Investment Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.30 513.07 Td (\(21) Tj ET Q q 0 0 0 rg BT 411.63 513.07 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 513.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.30 513.07 Td (\(200.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.15 513.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.30 513.02 Td (\(187.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 513.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 500.02 Td (Net Realized Investment \(Gain\) Loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.65 500.02 Td (39.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.30 500.07 Td (\(40.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.15 500.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 500.02 Td (\(24.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 500.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 487.02 Td (Depreciation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.65 487.02 Td (101.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.65 487.02 Td (103.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 487.02 Td (101.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 474.02 Td (Other) Tj ET Q q 0 0 0 rg BT 110.87 474.02 Td (, Net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.65 474.02 Td (46.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 474.02 Td (27.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 474.02 Td (38.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 461.18 Td (Net Cash Pr) Tj ET Q q 0 0 0 rg BT 104.62 461.18 Td (ovided by Operating ) Tj ET Q q 0 0 0 rg BT 194.54 461.18 Td (Activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.15 461.02 Td (1,536.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.15 461.02 Td (1,164.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 461.02 Td (1,121.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 435.18 Td (Cash Flows fr) Tj ET Q q 0 0 0 rg BT 111.85 435.18 Td (om Investing ) Tj ET Q q 0 0 0 rg BT 169.27 435.18 Td (Activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 422.02 Td (Proceeds from Sales of Fixed Maturity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.65 422.02 Td (642.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.65 422.02 Td (436.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 422.02 Td (91) Tj ET Q q 0 0 0 rg BT 550.65 422.02 Td (1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 409.02 Td (Proceeds from Maturities of Fixed Maturity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.15 409.02 Td (2,815.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.15 409.02 Td (2,560.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 409.02 Td (2,197.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 396.02 Td (Proceeds from Sales and Maturities of Other Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.65 396.02 Td (454.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.65 396.02 Td (257.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 396.02 Td (331.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 383.02 Td (Purchase of Fixed Maturity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.80 383.07 Td (\(3,861.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 383.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.80 383.07 Td (\(2,808.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.15 383.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.80 383.02 Td (\(3,362.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 383.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 370.02 Td (Purchase of Other Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.30 370.07 Td (\(623.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 370.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.30 370.07 Td (\(474.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.15 370.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.30 370.02 Td (\(576.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 370.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 357.02 Td (Net Sales \(Purchases\) of Short-term Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.65 357.02 Td (200.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.30 357.07 Td (\(356.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.15 357.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 357.02 Td (6.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 344.02 Td (Net Decrease in Payables for Collateral on Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.30 344.07 Td (\(268.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 344.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.30 344.07 Td (\(9.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.15 344.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.30 344.02 Td (\(9.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 344.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 331.02 Td (Acquisition of Business \(Net of Cash ) Tj ET Q q 0 0 0 rg BT 221.88 331.02 Td (Acquired\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.30 331.07 Td (\(145.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 331.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 331.02 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.30 331.02 Td (\(129.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 331.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 318.02 Td (Net Purchases of Property and Equipment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.30 318.07 Td (\(144.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 318.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.30 318.07 Td (\(105.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.15 318.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 318.02 Td (\(85.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 318.02 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 305.18 Td (Net Cash Used by Investing ) Tj ET Q q 0 0 0 rg BT 172.52 305.18 Td (Activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.30 305.07 Td (\(930.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 305.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.30 305.07 Td (\(499.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.15 305.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.30 305.02 Td (\(715.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 305.02 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 279.18 Td (Cash Flows fr) Tj ET Q q 0 0 0 rg BT 111.85 279.18 Td (om Financing ) Tj ET Q q 0 0 0 rg BT 172.60 279.18 Td (Activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 266.02 Td (Short-term Debt Repayment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.30 266.07 Td (\(200.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 266.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 266.02 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 266.02 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 253.02 Td (Issuance of Long-term Debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.65 253.02 Td (290.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 253.02 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 253.02 Td (609.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 240.02 Td (Long-term Debt Repayment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.30 240.07 Td (\(60.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 240.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.30 240.07 Td (\(63.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.15 240.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.30 240.02 Td (\(414.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 240.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 227.02 Td (Issuance of Common Stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.65 227.02 Td (4.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 227.02 Td (10.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 227.02 Td (8.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 214.02 Td (Repurchase of Common Stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.30 214.07 Td (\(356.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 214.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.30 214.07 Td (\(401.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.15 214.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.30 214.02 Td (\(405.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 214.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 201.02 Td (Dividends Paid to Stockholders) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.30 201.07 Td (\(215.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 201.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.30 201.07 Td (\(196.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.15 201.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.30 201.02 Td (\(182.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 201.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 188.02 Td (Other) Tj ET Q q 0 0 0 rg BT 92.87 188.02 Td (, Net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.30 188.07 Td (\(53.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 188.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.30 188.07 Td (\(37.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.15 188.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 188.02 Td (\(34.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 188.02 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 175.18 Td (Net Cash Used by Financing ) Tj ET Q q 0 0 0 rg BT 175.85 175.18 Td (Activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.30 175.07 Td (\(589.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 175.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.30 175.07 Td (\(687.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.15 175.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.30 175.02 Td (\(418.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 175.02 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 149.18 Td (Net Incr) Tj ET Q q 0 0 0 rg BT 88.23 149.18 Td (ease \(Decr) Tj ET Q q 0 0 0 rg BT 132.19 149.18 Td (ease\) in Cash and Bank Deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.65 149.02 Td (16.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.30 149.07 Td (\(23.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.15 149.02 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 149.02 Td (\(12.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 149.02 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 123.18 Td (Cash and Bank Deposits at Beginning of ) Tj ET Q q 0 0 0 rg BT 226.53 123.18 Td (Y) Tj ET Q q 0 0 0 rg BT 233.01 123.18 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.65 123.02 Td (77.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.65 123.02 Td (100.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 123.02 Td (1) Tj ET Q q 0 0 0 rg BT 545.65 123.02 Td (12.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 97.18 Td (Cash and Bank Deposits at End of ) Tj ET Q q 0 0 0 rg BT 200.79 97.18 Td (Y) Tj ET Q q 0 0 0 rg BT 206.90 97.18 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.50 97.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.65 97.02 Td (94.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.50 97.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 97.02 Td (77.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.50 97.02 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 97.02 Td (100.4) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 69.95 Td (See notes to consolidated financial statements.) Tj ET Q endstream endobj 217 0 obj <> endobj 218 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 1 - Significant ) Tj ET Q q 0 0 0 rg BT 133.89 712.75 Td (Accounting Policies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (104) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 684.15 Td (Basis of Pr) Tj ET Q q 0 0 0 rg BT 95.43 684.15 Td (esentation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.76 684.15 Td (: ) Tj ET Q q 0 0 0 rg BT 143.86 684.15 Td (The accompanying consolidated financial statements of Unum Group and its subsidiaries \(the Company\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 672.15 Td (have been prepared in accordance with U.S. generally accepted accounting principles \(GAAP\). Such accounting principles ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 660.15 Td (dif) Tj ET Q q 0 0 0 rg BT 60.43 660.15 Td (fer from statutory accounting principles \(see Note 15\). Intercompany transactions have been eliminated. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 636.15 Td (Description of Business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.95 636.15 Td (: ) Tj ET Q q 0 0 0 rg BT 156.55 636.15 Td (W) Tj ET Q q 0 0 0 rg BT 165.19 636.15 Td (e are a leading provider of financial protection benefits in the United States and the United ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 624.15 Td (Kingdom. Our products include disability) Tj ET Q q 0 0 0 rg BT 218.27 624.15 Td (, life, accident, critical illness, dental and vision, and other related services. ) Tj ET Q q 0 0 0 rg BT 523.26 624.15 Td (W) Tj ET Q q 0 0 0 rg BT 531.90 624.15 Td (e market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 612.15 Td (our products primarily through the workplace. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 588.15 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 588.15 Td (e have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.45 588.15 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.44 588.15 Td ( principal operating business segments: Unum US, Unum International, and Colonial Life. Our other reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 576.15 Td (segments are Closed Block and Corporate. See Note 13 for further discussion of our operating segments. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 552.15 Td (Use of Estimates) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.04 552.15 Td (: ) Tj ET Q q 0 0 0 rg BT 125.14 552.15 Td (The preparation of financial statements in conformity with GAAP) Tj ET Q q 0 0 0 rg BT 388.59 552.15 Td ( requires us to make estimates and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 540.15 Td (assumptions that af) Tj ET Q q 0 0 0 rg BT 126.53 540.15 Td (fect amounts reported in the financial statements and accompanying notes. Such estimates and assumptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 528.15 Td (could change in the future as more information becomes known, which could impact the amounts reported and disclosed herein.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 504.15 Td (Fixed Maturity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.92 504.15 Td (: Fixed maturity securities include long-term bonds and redeemable preferred stocks. Our fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 492.15 Td (maturity securities are classified as available-for) Tj ET Q q 0 0 0 rg BT 242.83 492.15 Td (-sale and reported at fair value. Changes in the fair value of available-for) Tj ET Q q 0 0 0 rg BT 536.38 492.15 Td (-sale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 480.15 Td (fixed maturity securities, except for amounts related to other) Tj ET Q q 0 0 0 rg BT 291.16 480.15 Td (-than-temporary impairment losses recognized in earnings, are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 468.15 Td (reported as a component of other comprehensive income. ) Tj ET Q q 0 0 0 rg BT 283.68 468.15 Td (These amounts are net of income tax and valuation adjustments to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 456.15 Td (deferred acquisition costs and reserves for future policy and contract benefits which would have been recorded had the related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 444.15 Td (unrealized gain or loss on these securities been realized.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 420.15 Td (Interest income is recorded as part of net investment income when earned, using an ef) Tj ET Q q 0 0 0 rg BT 392.81 420.15 Td (fective yield method giving ef) Tj ET Q q 0 0 0 rg BT 513.14 420.15 Td (fect to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 408.15 Td (amortization of premium and accretion of discount. Included within fixed maturity securities are mortgage-backed and asset-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 396.15 Td (backed securities. ) Tj ET Q q 0 0 0 rg BT 125.40 396.15 Td (W) Tj ET Q q 0 0 0 rg BT 134.04 396.15 Td (e recognize investment income on these securities using a constant ef) Tj ET Q q 0 0 0 rg BT 410.98 396.15 Td (fective yield based on projected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 384.15 Td (prepayments of the underlying loans and the estimated economic life of the securities. ) Tj ET Q q 0 0 0 rg BT 398.01 384.15 Td (Actual prepayment experience is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 372.15 Td (reviewed periodically) Tj ET Q q 0 0 0 rg BT 135.75 372.15 Td (, and ef) Tj ET Q q 0 0 0 rg BT 165.28 372.15 Td (fective yields are recalculated when dif) Tj ET Q q 0 0 0 rg BT 321.96 372.15 Td (ferences arise between prepayments originally projected and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 360.15 Td (the actual prepayments received and currently projected. ) Tj ET Q q 0 0 0 rg BT 280.60 360.15 Td (The ef) Tj ET Q q 0 0 0 rg BT 306.23 360.15 Td (fective yield is recalculated on a retrospective basis, and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 348.15 Td (adjustment is reflected in net investment income. For fixed maturity securities on which collection of investment income is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 336.15 Td (uncertain, we discontinue the accrual of investment income and recognize investment income when interest and dividends are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 324.15 Td (received. Payment terms specified for fixed maturity securities may include a prepayment penalty for unscheduled payof) Tj ET Q q 0 0 0 rg BT 534.98 324.15 Td (f of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 312.15 Td (investment. Prepayment penalties are recognized as investment income when received.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 288.15 Td (In determining when a decline in fair value below amortized cost of a fixed maturity security is other than temporary) Tj ET Q q 0 0 0 rg BT 516.19 288.15 Td (, we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 276.15 Td (evaluate available information, both positive and negative, in reaching our conclusions. In particular) Tj ET Q q 0 0 0 rg BT 452.85 276.15 Td (, we consider the strength of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 264.15 Td (the issuer's balance sheet, its debt obligations and near) Tj ET Q q 0 0 0 rg BT 266.87 264.15 Td (-term funding requirements, cash flow and liquidity) Tj ET Q q 0 0 0 rg BT 473.12 264.15 Td (, the profitability of its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 252.15 Td (core businesses, the availability of marketable assets which could be sold to increase liquidity) Tj ET Q q 0 0 0 rg BT 423.75 252.15 Td (, its industry fundamentals and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 240.15 Td (regulatory environment, and its access to capital markets. ) Tj ET Q q 0 0 0 rg BT 283.59 240.15 Td (Although all available and applicable factors are considered in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 228.15 Td (analysis, our expectation of recovering the entire amortized cost basis of the security) Tj ET Q q 0 0 0 rg BT 387.34 228.15 Td (, whether we intend to sell the security) Tj ET Q q 0 0 0 rg BT 541.09 228.15 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 216.15 Td (whether it is more likely than not that we will be required to sell the security before recovery of its amortized cost, and whether ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 204.15 Td (the security is current on principal and interest payments are the most critical factors in determining whether impairments are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 192.15 Td (other than temporary) Tj ET Q q 0 0 0 rg BT 132.71 192.15 Td (. ) Tj ET Q q 0 0 0 rg BT 140.03 192.15 Td (The significance of the decline in value and the length of time during which there has been a significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 180.15 Td (decline are also important factors, but we generally do not record an impairment loss based solely on these two factors, since ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 168.15 Td (often other more relevant factors will impact our evaluation of a security) Tj ET Q q 0 0 0 rg BT 339.57 168.15 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 144.15 Td (If we determine that the decline in value of an investment is other than temporary) Tj ET Q q 0 0 0 rg BT 374.85 144.15 Td (, the investment is written down to fair value, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 132.15 Td (and an impairment loss is recognized in the current period, either in earnings or in both earnings and other comprehensive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 120.15 Td (income, as applicable. Other) Tj ET Q q 0 0 0 rg BT 165.92 120.15 Td (-than-temporary impairment losses on fixed maturity securities which we intend to sell or more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 108.15 Td (likely than not will be required to sell before recovery in value are recognized in earnings and equal the entire dif) Tj ET Q q 0 0 0 rg BT 501.92 108.15 Td (ference ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 96.15 Td (between the security's amortized cost basis and its fair value. For securities which we do not intend to sell and it is not more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 84.15 Td (likely than not that we will be required to sell before recovery in value, other) Tj ET Q q 0 0 0 rg BT 356.69 84.15 Td (-than-temporary impairment losses recognized in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 72.15 Td (earnings generally represent the dif) Tj ET Q q 0 0 0 rg BT 190.37 72.15 Td (ference between the amortized cost of the security and the present value of our best estimate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 60.15 Td (of cash flows expected to be collected, discounted using the ef) Tj ET Q q 0 0 0 rg BT 298.96 60.15 Td (fective interest rate implicit in the security at the date of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 48.15 Td (acquisition. For fixed maturity securities for which we have recognized an other) Tj ET Q q 0 0 0 rg BT 372.25 48.15 Td (-than-temporary impairment loss through ) Tj ET Q endstream endobj 219 0 obj <> endobj 220 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 1 - Significant ) Tj ET Q q 0 0 0 rg BT 133.89 712.75 Td (Accounting Policies - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (105) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (earnings, if through subsequent evaluation there is a significant increase in expected cash flows, the dif) Tj ET Q q 0 0 0 rg BT 461.69 690.60 Td (ference between the new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (amortized cost basis and the cash flows expected to be collected is accreted as net investment income over the remaining life of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.60 Td (the investment. See Notes 2 and 3. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 642.60 Td (Mortgage Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.77 642.60 Td (: Mortgage loans are generally held for investment and are carried at amortized cost less an allowance for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.60 Td (probable losses. Interest income is accrued on the principal amount of the loan based on the loan's contractual interest rate. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.60 Td (Prepayment penalties are recognized as investment income when received. For mortgage loans on which collection of interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 606.60 Td (income is uncertain, we discontinue the accrual of interest and recognize it in the period when an interest payment is received. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 594.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 594.60 Td (e typically do not resume the accrual of interest on mortgage loans on nonaccrual status until there are significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.60 Td (improvements in the underlying financial condition of the borrower) Tj ET Q q 0 0 0 rg BT 319.43 582.60 Td (. ) Tj ET Q q 0 0 0 rg BT 326.75 582.60 Td (W) Tj ET Q q 0 0 0 rg BT 335.39 582.60 Td (e consider a loan to be delinquent if full payment is not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 570.60 Td (received in accordance with the contractual terms of the loan. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 546.60 Td (e evaluate each of our mortgage loans individually for impairment and assign an internal credit quality rating based on a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.60 Td (comprehensive rating system used to evaluate the credit risk of the loan. ) Tj ET Q q 0 0 0 rg BT 342.75 534.60 Td (Although all available and applicable factors are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.60 Td (considered in our analysis, loan-to-value and debt service coverage ratios are the most critical factors in determining impairment. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.60 Td (If we determine that it is probable we will be unable to collect all amounts due under the contractual terms of a mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 498.60 Td (loan,we establish an allowance for credit loss. If we expect to foreclose on the property) Tj ET Q q 0 0 0 rg BT 402.61 498.60 Td (, the amount of the allowance typically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 486.60 Td (equals the excess carrying value of the mortgage loan over the fair value of the underlying collateral. If we expect to retain the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 474.60 Td (mortgage loan until payof) Tj ET Q q 0 0 0 rg BT 152.90 474.60 Td (f, the allowance equals the excess carrying value of the mortgage loan over the expected future cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 462.60 Td (flows of the loan. ) Tj ET Q q 0 0 0 rg BT 123.93 462.60 Td (Additions and reductions to our allowance for credit losses on mortgage loans are reported as a component of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 450.60 Td (net realized investment gains and losses. ) Tj ET Q q 0 0 0 rg BT 216.50 450.60 Td (W) Tj ET Q q 0 0 0 rg BT 225.13 450.60 Td (e do not purchase mortgage loans with existing credit impairments. See Note 3.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 426.60 Td (Policy Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.23 426.60 Td (:) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 107.00 426.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.50 426.60 Td (Policy loans) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 158.67 426.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.17 426.60 Td (are presented at unpaid balances directly related to policyholders. Interest income is accrued on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.60 Td (principal amount of the loan based on the loan's contractual interest rate. Included in policy loans are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.11 414.60 Td ($3,449.3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.50 414.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 402.60 Td ($3,307.5 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.89 402.60 Td ( of policy loans ceded to reinsurers at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.06 402.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.65 402.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.09 402.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.09 402.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 438.75 402.60 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 378.60 Td (Other) Tj ET Q q 0 0 0 rg BT 74.87 378.60 Td ( Long-term Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.63 378.60 Td (:) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 180.41 378.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.91 378.60 Td (Other long-term investments are comprised primarily of tax credit partnerships and private ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 366.60 Td (equity partnerships.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 342.60 Td (T) Tj ET Q q 0 0 0 rg BT 54.91 342.60 Td (ax credit partnerships in which we have invested were formed for the purpose of investing in the construction and rehabilitation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 330.60 Td (of low-income housing. Because the partnerships are structured such that there is no return of principal, the primary sources of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 318.60 Td (investment return from our tax credit partnerships are tax credits and tax benefits derived from passive losses on the investments, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 306.60 Td (both of which may exhibit variability over the life of the investment. ) Tj ET Q q 0 0 0 rg BT 328.69 306.60 Td (These partnerships are accounted for using either the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 294.60 Td (proportional or the ef) Tj ET Q q 0 0 0 rg BT 134.57 294.60 Td (fective yield method, depending primarily on whether the tax credits are guaranteed through a letter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 282.60 Td (credit, a tax indemnity agreement, or another similar arrangement. ) Tj ET Q q 0 0 0 rg BT 319.49 282.60 Td (T) Tj ET Q q 0 0 0 rg BT 324.90 282.60 Td (ax credits received from these partnerships are reported in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 270.60 Td (our consolidated statements of income as either a reduction of premium tax or a reduction of income tax. ) Tj ET Q q 0 0 0 rg BT 473.63 270.60 Td (The amortization of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 258.60 Td (the principal amount invested in these partnerships is reported as a component of either premium tax or income tax. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 234.60 Td (Our investments in private equity partnerships are passive in nature and represent funds that are primarily invested in private ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 222.60 Td (credit, private equity) Tj ET Q q 0 0 0 rg BT 131.87 222.60 Td (, and real assets. ) Tj ET Q q 0 0 0 rg BT 201.95 222.60 Td (W) Tj ET Q q 0 0 0 rg BT 210.58 222.60 Td (e account for our investments in these partnerships using either the equity method or at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 210.60 Td (fair value through net income depending on the level of ownership and the degree of our influence over partnership operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 198.60 Td (and financial policies. For investments in partnerships accounted for under the equity method, we report our investments at our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 186.60 Td (share of the partnership's net asset value \(NA) Tj ET Q q 0 0 0 rg BT 229.12 186.60 Td (V\) and record our portion of partnership earnings is recorded as a component of net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 174.60 Td (investment income. For investments in partnerships accounted for at fair value through net income, we also report our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 162.60 Td (investments at our share of the partnership's NA) Tj ET Q q 0 0 0 rg BT 240.80 162.60 Td (V) Tj ET Q q 0 0 0 rg BT 247.84 162.60 Td ( as a practical expedient for fair value with increases or decreases recorded as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 150.60 Td (component of net investment income. Distributions received from the funds arise from income generated by the underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 138.60 Td (investments as well as the liquidation of the underlying investments and there is generally not a public market for these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 126.60 Td (investments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 102.60 Td (See notes 2 and 3 for further discussion of our other long-term investments.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 78.60 Td (Short-term Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.42 78.60 Td (:) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 154.20 78.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.70 78.60 Td (Short-term investments are carried at cost. Short-term investments include investments maturing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 66.60 Td (within one year of purchase, such as corporate commercial paper and U.S. ) Tj ET Q q 0 0 0 rg BT 348.93 66.60 Td (T) Tj ET Q q 0 0 0 rg BT 354.69 66.60 Td (reasury bills, bank term deposits, and other cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 54.60 Td (accounts and cash equivalents earning interest. ) Tj ET Q endstream endobj 221 0 obj <> endobj 222 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 1 - Significant ) Tj ET Q q 0 0 0 rg BT 133.89 712.75 Td (Accounting Policies - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (106) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 690.75 Td (Cash and Bank Deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.70 690.75 Td (: Cash and bank deposits include cash on hand and non-interest bearing cash and deposit accounts. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 666.75 Td (Derivative Financial Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.16 666.75 Td (: Derivative financial instruments \(including certain derivative instruments embedded in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.75 Td (other contracts\) are recognized as either other long-term investments or other liabilities in our consolidated balance sheets and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.75 Td (are reported at fair value. ) Tj ET Q q 0 0 0 rg BT 155.09 642.75 Td (The accounting for a derivative depends on whether it has been designated and qualifies as part of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.75 Td (hedging relationship, and further) Tj ET Q q 0 0 0 rg BT 180.17 630.75 Td (, on the type of hedging relationship. ) Tj ET Q q 0 0 0 rg BT 332.19 630.75 Td (T) Tj ET Q q 0 0 0 rg BT 337.60 630.75 Td (o qualify for hedge accounting, at the inception of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.75 Td (hedging transaction, we formally document the risk management objective and strategy for undertaking the hedging transaction, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 606.75 Td (as well as the designation of the hedge as either a fair value hedge or a cash flow hedge. Included in this documentation is how ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 594.75 Td (the hedging instrument is expected to hedge the designated risk\(s\) related to specific assets or liabilities on the balance sheet or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.75 Td (to specific forecasted transactions as well as a description of the method that will be used to retrospectively and prospectively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 570.75 Td (assess the hedging instrument's ef) Tj ET Q q 0 0 0 rg BT 184.43 570.75 Td (fectiveness. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.75 Td (A) Tj ET Q q 0 0 0 rg BT 56.17 546.75 Td ( derivative designated as a hedging instrument must be assessed as being highly ef) Tj ET Q q 0 0 0 rg BT 385.63 546.75 Td (fective in of) Tj ET Q q 0 0 0 rg BT 433.76 546.75 Td (fsetting the designated risk\(s\) of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.75 Td (the hedged item. Hedge ef) Tj ET Q q 0 0 0 rg BT 157.05 534.75 Td (fectiveness is formally assessed at inception and periodically throughout the life of the designated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.75 Td (hedging relationship, using qualitative and quantitative methods. Qualitative methods include comparison of critical terms of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.75 Td (derivative to the hedged item. Quantitative methods include regression or other statistical analysis of changes in fair value or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 498.75 Td (cash flows associated with the hedge relationship.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 474.75 Td (Changes in the fair value of a derivative designated as a fair value hedge and changes in the fair value of the hedged item ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 462.75 Td (attributable to the risk being hedged are recognized in earnings as a component of net realized investment gain or loss during the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 450.75 Td (period of change in fair value. For gains or losses on the derivative instrument that are excluded from the assessment of hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 438.75 Td (ef) Tj ET Q q 0 0 0 rg BT 57.09 438.75 Td (fectiveness, those gains and losses are recognized in other comprehensive income or loss and amortized into earnings in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 426.75 Td (same income statement line as the related hedged item. ) Tj ET Q q 0 0 0 rg BT 274.51 426.75 Td (The gain or loss on the termination of a fair value hedge is recognized in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.75 Td (earnings as a component of net realized investment gain or loss during the period in which the termination occurs. ) Tj ET Q q 0 0 0 rg BT 510.58 414.75 Td (When interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 402.75 Td (rate swaps are used in hedge accounting relationships, periodic settlements are recorded in the same income statement line as the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.75 Td (related settlements of the hedged items.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 366.75 Td (Changes in the fair value of a derivative designated as a cash flow hedge are reported in other comprehensive income and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 354.75 Td (reclassified into earnings and reported on the same income statement line item as the hedged item and in the same period or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 342.75 Td (periods during which the hedged item af) Tj ET Q q 0 0 0 rg BT 210.94 342.75 Td (fects earnings. ) Tj ET Q q 0 0 0 rg BT 273.51 342.75 Td (The gain or loss on the termination of an ef) Tj ET Q q 0 0 0 rg BT 446.34 342.75 Td (fective cash flow hedge is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 330.75 Td (reported in other comprehensive income and reclassified into earnings and reported on the same income statement line item as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 318.75 Td (the hedged item and in the same period or periods during which the hedged item af) Tj ET Q q 0 0 0 rg BT 381.17 318.75 Td (fects earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 294.75 Td (Gains or losses on the termination of inef) Tj ET Q q 0 0 0 rg BT 214.56 294.75 Td (fective fair value or cash flow hedges are reported in earnings as a component of net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 282.75 Td (realized investment gain or loss. In the event a hedged item is disposed of or the anticipated transaction being hedged is no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 270.75 Td (longer likely to occur) Tj ET Q q 0 0 0 rg BT 134.91 270.75 Td (, we will terminate the related derivative and recognize the gain or loss on termination in current earnings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 258.75 Td (as a component of net realized investment gain or loss. In the event a hedged item is disposed of subsequent to the termination ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 246.75 Td (of the hedging transaction, we reclassify any remaining gain or loss on the hedge out of accumulated other comprehensive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 234.75 Td (income into earnings as a component of the same income statement line item wherein we report the gain or loss on disposition of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 222.75 Td (the hedged item. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 198.75 Td (For a derivative not designated as a hedging instrument, changes in the fair value of the derivative, together with the payment of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 186.75 Td (periodic fees, if applicable, are recognized in earnings as a component of net realized investment gain or loss during the period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 174.75 Td (of change in fair value. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 150.75 Td (Cash flow activity from the settlement of derivative contracts is reported in the consolidated statements of cash flows as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 138.75 Td (component of proceeds from sales and maturities of other investments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 114.75 Td (In our consolidated balance sheets, we do not of) Tj ET Q q 0 0 0 rg BT 241.76 114.75 Td (fset fair value amounts recognized for derivatives executed with the same ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 102.75 Td (counterparty under a master netting agreement and fair value amounts recognized for the right to reclaim cash collateral or the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 90.75 Td (obligation to return cash collateral arising from those master netting agreements. See Notes 2, 3 and 4. ) Tj ET Q endstream endobj 223 0 obj <> endobj 224 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 1 - Significant ) Tj ET Q q 0 0 0 rg BT 133.89 712.75 Td (Accounting Policies - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (107) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 690.75 Td (Fair) Tj ET Q q 0 0 0 rg BT 67.64 690.75 Td ( ) Tj ET Q q 0 0 0 rg BT 69.96 690.75 Td (V) Tj ET Q q 0 0 0 rg BT 76.27 690.75 Td (alue Measur) Tj ET Q q 0 0 0 rg BT 129.13 690.75 Td (ement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.23 690.75 Td (: Certain assets and liabilities are reported at fair value in our consolidated balance sheets and in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.75 Td (notes to our consolidated financial statements. ) Tj ET Q q 0 0 0 rg BT 239.27 678.75 Td (W) Tj ET Q q 0 0 0 rg BT 247.91 678.75 Td (e define fair value as the price that would be received to sell an asset or paid to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.75 Td (transfer a liability in an orderly transaction between market participants at the measurement date. ) Tj ET Q q 0 0 0 rg BT 442.50 666.75 Td (Therefore, fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.75 Td (represents an exit price, not an entry price. ) Tj ET Q q 0 0 0 rg BT 224.52 654.75 Td (The exit price objective applies regardless of our intent and/or ability to sell the asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.75 Td (or transfer the liability at the measurement date. ) Tj ET Q q 0 0 0 rg BT 245.54 642.75 Td (Assets or liabilities with readily available actively quoted prices or for which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.75 Td (fair value can be measured from actively quoted prices in active markets generally have more pricing observability and less ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.75 Td (judgment utilized in measuring fair value. ) Tj ET Q q 0 0 0 rg BT 222.05 618.75 Td (When actively quoted prices are not available, fair values are based on quoted prices ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 606.75 Td (in markets that are not active, quoted prices for similar but not identical assets or liabilities, or other observable inputs. If ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 594.75 Td (observable inputs are not available, unobservable inputs and/or adjustments to observable inputs requiring management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.75 Td (judgment are used to determine fair value. ) Tj ET Q q 0 0 0 rg BT 223.42 582.75 Td (W) Tj ET Q q 0 0 0 rg BT 232.06 582.75 Td (e categorize our assets and liabilities measured at estimated fair value into a three-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 570.75 Td (level hierarchy) Tj ET Q q 0 0 0 rg BT 108.54 570.75 Td (, based on the significance of the inputs. ) Tj ET Q q 0 0 0 rg BT 274.15 570.75 Td (The fair value hierarchy gives the highest priority to inputs which are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 558.75 Td (unadjusted and represent quoted prices in active markets for identical assets or liabilities \(Level1\)and the lowest priority to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.75 Td (unobservable inputs \(Level3\). See Note 2. ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 225.56 546.75 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 49.50 522.75 Td (Realized Investment Gains and Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.84 522.75 Td (: Realized investment gains and losses are reported as a component of revenue in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.75 Td (consolidated statements of income and are based upon specific identification of the investments sold. See Note 3.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 486.75 Td (Deferr) Tj ET Q q 0 0 0 rg BT 77.63 486.75 Td (ed ) Tj ET Q q 0 0 0 rg BT 89.57 486.75 Td (Acquisition Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.31 486.75 Td (: Incremental direct costs associated with the successful acquisition of new or renewal insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 474.75 Td (contracts have been deferred. Such costs include commissions, other agency compensation, certain selection and policy issue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 462.75 Td (expenses, and certain field expenses. ) Tj ET Q q 0 0 0 rg BT 201.11 462.75 Td (Acquisition costs that do not vary with the production of new business, such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 450.75 Td (commissions on group products which are generally level throughout the life of the policy) Tj ET Q q 0 0 0 rg BT 409.60 450.75 Td (, are excluded from deferral. Deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 438.75 Td (acquisition costs are subject to recoverability testing at the time of policy issue and loss recognition testing in subsequent years.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.75 Td (Deferred acquisition costs related to non-interest sensitive policies are amortized in proportion to the premium income we expect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 402.75 Td (to receive over the lives of the policies. Deferred acquisition costs related to interest sensitive policies are amortized over the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.75 Td (lives of the policies in relation to the present value of estimated gross profits from surrender char) Tj ET Q q 0 0 0 rg BT 436.98 390.75 Td (ges, mortality mar) Tj ET Q q 0 0 0 rg BT 509.84 390.75 Td (gins, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 378.75 Td (investment returns, and expense mar) Tj ET Q q 0 0 0 rg BT 195.66 378.75 Td (gins. Deviations from projections result in a change to the rate of amortization in the period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 366.75 Td (during which such events occur) Tj ET Q q 0 0 0 rg BT 175.58 366.75 Td (. Generally) Tj ET Q q 0 0 0 rg BT 221.85 366.75 Td (, the amortization periods for these policies approximate the estimated lives of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 354.75 Td (policies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 330.75 Td (For certain products, policyholders can elect to modify product benefits, features, rights, or coverages by exchanging a contract ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 318.75 Td (for a new contract or by amendment, endorsement, or rider to a contract, or by the election of a feature or coverage within a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 306.75 Td (contract. ) Tj ET Q q 0 0 0 rg BT 89.02 306.75 Td (These transactions are known as internal replacement transactions. Internal replacement transactions wherein the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 294.75 Td (modification does not substantially change the policy are accounted for as continuations of the replaced contracts. Unamortized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 282.75 Td (deferred acquisition costs from the original policy continue to be amortized over the expected life of the new policy) Tj ET Q q 0 0 0 rg BT 511.47 282.75 Td (, and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 270.75 Td (costs of replacing the policy are accounted for as policy maintenance costs and expensed as incurred. Internal replacement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 258.75 Td (transactions, principally on group contracts, that result in a policy that is substantially changed are accounted for as an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 246.75 Td (extinguishment of the original policy and the issuance of a new policy) Tj ET Q q 0 0 0 rg BT 329.61 246.75 Td (. Unamortized deferred acquisition costs on the original ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 234.75 Td (policy that was replaced are immediately expensed, and the costs of acquiring the new policy are capitalized and amortized in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 222.75 Td (accordance with our accounting policies for deferred acquisition costs. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 198.75 Td (Loss recognition is performed on an annual basis, or more frequently if appropriate, using best estimate assumptions as to future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 186.75 Td (experience as of the date of the test. Insurance contracts are grouped for each major product line within a segment when we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 174.75 Td (perform the loss recognition tests. If loss recognition testing indicates that deferred acquisition costs are not recoverable, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 162.75 Td (deficiency is char) Tj ET Q q 0 0 0 rg BT 119.84 162.75 Td (ged to expense. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 138.75 Td (Goodwill) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.40 138.75 Td (: Goodwill is the excess of the amount paid to acquire a business over the fair value of the net assets acquired. ) Tj ET Q q 0 0 0 rg BT 533.08 138.75 Td (W) Tj ET Q q 0 0 0 rg BT 541.72 138.75 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 126.75 Td (review the carrying amount of goodwill for impairment on an annual basis, or more frequently if events or changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 114.75 Td (circumstances indicate that the carrying amount might not be recoverable. Goodwill impairment testing compares the fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 102.75 Td (of a reporting unit with its carrying amount, including goodwill. ) Tj ET Q q 0 0 0 rg BT 310.67 102.75 Td (The fair values of the reporting units are determined using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 90.75 Td (discounted cash flow models. ) Tj ET Q q 0 0 0 rg BT 172.63 90.75 Td (The critical estimates necessary in determining fair value are projected earnings and the discount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 78.75 Td (rate. ) Tj ET Q q 0 0 0 rg BT 71.80 78.75 Td (W) Tj ET Q q 0 0 0 rg BT 80.44 78.75 Td (e set our discount rate assumption based on an expected risk adjusted cost of capital. If the fair value of the reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 66.75 Td (unit to which the goodwill relates is less than the carrying amount of the unamortized goodwill, the impairment char) Tj ET Q q 0 0 0 rg BT 514.48 66.75 Td (ge is ) Tj ET Q endstream endobj 225 0 obj <> endobj 226 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 1 - Significant ) Tj ET Q q 0 0 0 rg BT 133.89 712.75 Td (Accounting Policies - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (108) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (determined by calculating the implied fair value of goodwill by assigning the fair value of a reporting unit to all of its assets and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 94.04 678.60 Td (The carrying amount of goodwill is then reduced with a corresponding char) Tj ET Q q 0 0 0 rg BT 396.26 678.60 Td (ge to expense.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 654.60 Td (Pr) Tj ET Q q 0 0 0 rg BT 59.87 654.60 Td (operty and Equipment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.55 654.60 Td (: Property and equipment is reported at cost less accumulated depreciation, which is calculated on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.60 Td (straight-line method over the estimated useful life. ) Tj ET Q q 0 0 0 rg BT 256.20 642.60 Td (The accumulated depreciation for property and equipment was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.44 642.60 Td ($1,151.8 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.60 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 630.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.83 630.60 Td ($1,067.7 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.22 630.60 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.38 630.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.97 630.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.40 630.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.40 630.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 359.07 630.60 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 606.60 Td (V) Tj ET Q q 0 0 0 rg BT 55.80 606.60 Td (alue of Business ) Tj ET Q q 0 0 0 rg BT 125.54 606.60 Td (Acquir) Tj ET Q q 0 0 0 rg BT 155.36 606.60 Td (ed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.36 606.60 Td (: ) Tj ET Q q 0 0 0 rg BT 170.46 606.60 Td (V) Tj ET Q q 0 0 0 rg BT 176.58 606.60 Td (alue of business acquired represents the present value of future profits recorded in connection ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 594.60 Td (with the acquisition of a block of insurance policies. ) Tj ET Q q 0 0 0 rg BT 263.43 594.60 Td (The asset is amortized based upon expected future premium income for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.60 Td (non-interest sensitive insurance policies and estimated future gross profits from surrender char) Tj ET Q q 0 0 0 rg BT 427.26 582.60 Td (ges, mortality mar) Tj ET Q q 0 0 0 rg BT 500.12 582.60 Td (gins, investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 570.60 Td (returns, and expense mar) Tj ET Q q 0 0 0 rg BT 149.28 570.60 Td (gins for interest sensitive insurance policies. ) Tj ET Q q 0 0 0 rg BT 331.28 570.60 Td (The value of business acquired, which is included in other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 558.60 Td (assets in our consolidated balance sheets, was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.00 558.60 Td ($96.7 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.89 558.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.33 558.60 Td ($27.9 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.22 558.60 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.44 558.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.03 558.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.46 558.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.46 558.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 545.13 558.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.60 Td (The accumulated amortization for value of business acquired was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.12 546.60 Td ($133.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.02 546.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.45 546.60 Td ($130.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.35 546.60 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.51 546.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 554.09 546.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.60 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.44 534.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.44 534.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 139.10 534.60 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 144.10 534.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.60 Td (The amortization of value of business acquired, which is included in other expenses in the consolidated statements of income, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 498.60 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.55 498.60 Td ($6.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.44 498.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.44 498.60 Td ($4.8 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.33 498.60 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.27 498.60 Td ($5.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.17 498.60 Td ( for the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.52 498.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.10 498.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.10 498.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.10 498.60 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.04 498.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.04 498.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 520.70 498.60 Td (. ) Tj ET Q q 0 0 0 rg BT 528.02 498.60 Td (W) Tj ET Q q 0 0 0 rg BT 536.66 498.60 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 486.60 Td (periodically review the carrying amount of value of business acquired using the same methods used to evaluate deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 474.60 Td (acquisition costs.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 450.60 Td (Policy and Contract Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.99 450.60 Td (: Policy and contract benefits represent amounts paid and expected to be paid based on reported ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 438.60 Td (losses and estimates of incurred but not reported losses for non-interest sensitive life and accident and health products. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 426.60 Td (interest sensitive products, benefits are the amounts paid and expected to be paid on insured claims in excess of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.60 Td (policyholders' policy fund balances.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 390.60 Td (Reserves for) Tj ET Q q 0 0 0 rg BT 102.35 390.60 Td ( Policy and Contract Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.33 390.60 Td (: Policy reserves represent future policy and contract benefits for claims not yet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 378.60 Td (incurred. Policy reserves for non-interest sensitive life and accident and health products are determined using the net level ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 366.60 Td (premium method. ) Tj ET Q q 0 0 0 rg BT 125.42 366.60 Td (The reserves are calculated based upon assumptions as to interest, persistency) Tj ET Q q 0 0 0 rg BT 436.05 366.60 Td (, morbidity) Tj ET Q q 0 0 0 rg BT 479.85 366.60 Td (, and mortality that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 354.60 Td (were appropriate at the date of issue. Discount rate assumptions are based on actual and expected net investment returns. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 342.60 Td (Persistency assumptions are based on our actual historical experience adjusted for future expectations. Claim incidence and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 330.60 Td (claim resolution rate assumptions related to morbidity and mortality are based on actual experience or industry standards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 318.60 Td (adjusted as appropriate to reflect our actual experience and future expectations. ) Tj ET Q q 0 0 0 rg BT 371.12 318.60 Td (The assumptions vary by plan, year of issue, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 306.60 Td (policy duration and include a provision for adverse deviation. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 282.60 Td (Policy reserves for group single premium annuities are developed on a net single premium method. ) Tj ET Q q 0 0 0 rg BT 451.16 282.60 Td (The reserves are calculated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 270.60 Td (based on assumptions as to interest, mortality) Tj ET Q q 0 0 0 rg BT 230.77 270.60 Td (, and retirement that were appropriate at the date of issue. Mortality assumptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 258.60 Td (are based upon industry standards adjusted as appropriate to reflect our actual experience and future expectations. ) Tj ET Q q 0 0 0 rg BT 509.14 258.60 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 246.60 Td (assumptions vary by year of issue.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 222.60 Td (Policy reserves for interest sensitive products are principally policyholder account values.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 198.60 Td (Policy reserves require ongoing loss recognition testing. ) Tj ET Q q 0 0 0 rg BT 279.00 198.60 Td (W) Tj ET Q q 0 0 0 rg BT 287.63 198.60 Td (e perform loss recognition tests on our policy reserves annually) Tj ET Q q 0 0 0 rg BT 540.53 198.60 Td (, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 186.60 Td (more frequently if appropriate, using best estimate assumptions as of the date of the test, without a provision for adverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 174.60 Td (deviation. ) Tj ET Q q 0 0 0 rg BT 94.03 174.60 Td (W) Tj ET Q q 0 0 0 rg BT 102.67 174.60 Td (e group the policy reserves for each major product line within a segment when we perform the loss recognition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 162.60 Td (tests. If the policy reserves determined using these best estimate assumptions are higher than our existing policy reserves net of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 150.60 Td (any deferred acquisition cost balance, the existing policy reserves are increased or deferred acquisition costs are reduced to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 138.60 Td (immediately recognize the deficiency) Tj ET Q q 0 0 0 rg BT 199.06 138.60 Td (. ) Tj ET Q q 0 0 0 rg BT 206.38 138.60 Td (This becomes the new basis for policy reserves going forward, subject to future loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 126.60 Td (recognition testing.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 102.60 Td (Claim reserves represent future policy and contract benefits for claims that have been incurred or are estimated to have been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 90.60 Td (incurred but not yet reported to us. Our claim reserves relate primarily to disability and long-term care policies and are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 78.60 Td (calculated based on assumptions as to interest and claim resolution rates that are currently appropriate. Claim resolution rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 66.60 Td (assumptions are based on our actual experience. ) Tj ET Q q 0 0 0 rg BT 246.75 66.60 Td (The interest rate assumptions used for discounting claim reserves are based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 54.60 Td (projected portfolio yield rates, after consideration for defaults and investment expenses, for the assets supporting the liabilities ) Tj ET Q endstream endobj 227 0 obj <> endobj 228 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 1 - Significant ) Tj ET Q q 0 0 0 rg BT 133.89 712.75 Td (Accounting Policies - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (109) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (for the various product lines. Unlike policy reserves for which assumptions are generally established and locked in at the time of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (policy issuance, claim reserves are subject to revision as current claim experience and projections of future factors af) Tj ET Q q 0 0 0 rg BT 516.90 678.60 Td (fecting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.60 Td (claim experience change. Claim reserves do not include a provision for adverse deviation. See Note 6.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 642.60 Td (Policyholders' Funds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.24 642.60 Td (: Policyholders' funds represent customer deposits plus interest credited at contract rates. ) Tj ET Q q 0 0 0 rg BT 498.53 642.60 Td (W) Tj ET Q q 0 0 0 rg BT 507.17 642.60 Td (e control ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.60 Td (interest rate risk by investing in quality assets which have an aggregate duration that closely matches the expected duration of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.60 Td (the liabilities.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 594.60 Td (Income ) Tj ET Q q 0 0 0 rg BT 83.48 594.60 Td (T) Tj ET Q q 0 0 0 rg BT 89.23 594.60 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.23 594.60 Td (: Deferred taxes reflect the net tax ef) Tj ET Q q 0 0 0 rg BT 245.35 594.60 Td (fects of temporary dif) Tj ET Q q 0 0 0 rg BT 332.08 594.60 Td (ferences between the carrying amounts of assets and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.60 Td (liabilities for financial statement purposes and the amounts used for income tax purposes. Deferred taxes have been measured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 570.60 Td (using enacted statutory income tax rates and laws that are currently in ef) Tj ET Q q 0 0 0 rg BT 338.66 570.60 Td (fect. ) Tj ET Q q 0 0 0 rg BT 360.96 570.60 Td (W) Tj ET Q q 0 0 0 rg BT 369.60 570.60 Td (e record adjustments to our deferred taxes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 558.60 Td (resulting from tax rate changes through income as of the date of enactment. ) Tj ET Q q 0 0 0 rg BT 356.16 558.60 Td (W) Tj ET Q q 0 0 0 rg BT 364.79 558.60 Td (e record deferred tax assets for tax positions taken ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.60 Td (in the U.S. and other tax jurisdictions based on our assessment of whether a position is more likely than not to be sustained upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.60 Td (examination based solely on its technical merits. ) Tj ET Q q 0 0 0 rg BT 248.06 534.60 Td (A) Tj ET Q q 0 0 0 rg BT 254.73 534.60 Td ( valuation allowance is established for deferred tax assets when it is more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.60 Td (likely than not that an amount will not be realized. See Note 7.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 498.60 Td (Short-term and Long-term Debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.53 498.60 Td (: Debt is generally carried at the unpaid principal balance, net of unamortized discount or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 486.60 Td (premium and deferred debt issuance costs. Short-term debt consists of debt due within the next twelve months, including that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 474.60 Td (portion of debt otherwise classified as long-term. Original issue discount or premium as well as debt issuance costs are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 462.60 Td (recognized as a component of interest expense over the period the debt is expected to be outstanding. ) Tj ET Q q 0 0 0 rg BT 458.90 462.60 Td (The carrying amount of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 450.60 Td (long-term debt that is part of a fair value hedge program includes an adjustment to reflect the ef) Tj ET Q q 0 0 0 rg BT 431.68 450.60 Td (fect of the change in fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 438.60 Td (attributable to the risk being hedged. Net interest settlements for fair value hedges on our long-term debt are recognized as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 426.60 Td (component of interest expense. See Note 8.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 402.60 Td (T) Tj ET Q q 0 0 0 rg BT 55.43 402.60 Td (r) Tj ET Q q 0 0 0 rg BT 59.69 402.60 Td (easury Stock and Retir) Tj ET Q q 0 0 0 rg BT 157.56 402.60 Td (ement of Common Stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.82 402.60 Td (: ) Tj ET Q q 0 0 0 rg BT 267.92 402.60 Td (T) Tj ET Q q 0 0 0 rg BT 273.67 402.60 Td (reasury stock is reflected as a reduction of stockholders' equity at cost. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.60 Td (When shares are retired, the par value is removed from common stock, and the excess of the repurchase price over par is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 378.60 Td (allocated between additional paid-in capital and retained earnings. See Note 10.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 354.60 Td (Revenue Recognition:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.10 354.60 Td ( Our non-interest sensitive life and accident and health products are long-duration contracts, and premium ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 342.60 Td (income is recognized as revenue when due from policyholders. If the contracts are experience rated, the estimated ultimate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 330.60 Td (premium is recognized as revenue over the period of the contract. ) Tj ET Q q 0 0 0 rg BT 316.71 330.60 Td (The estimated ultimate premium, which is revised to reflect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 318.60 Td (current experience, is based on estimated claim costs, expenses, and profit mar) Tj ET Q q 0 0 0 rg BT 364.21 318.60 Td (gins.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 294.60 Td (For interest sensitive products, the amounts collected from policyholders are considered deposits, and only the deductions during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 282.60 Td (the period for cost of insurance, policy administration, and surrenders are included in revenue. Policyholders' funds represent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 270.60 Td (funds deposited by contract holders and are not included in revenue.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 246.60 Td (Fees from our administrative-services only and family medical leave products are reported as other income when services are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 234.60 Td (rendered.) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 86.98 234.60 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 49.50 210.60 Td (Reinsurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.83 210.60 Td (: ) Tj ET Q q 0 0 0 rg BT 107.93 210.60 Td (W) Tj ET Q q 0 0 0 rg BT 116.57 210.60 Td (e routinely enter into reinsurance agreements with other insurance companies to spread risk and thereby limit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 198.60 Td (losses from lar) Tj ET Q q 0 0 0 rg BT 108.20 198.60 Td (ge exposures. For each of our reinsurance agreements, we determine if the agreement provides indemnification ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 186.60 Td (against loss or liability relating to insurance risk in accordance with applicable accounting standards. If we determine that a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 174.60 Td (reinsurance agreement does not expose the reinsurer to a reasonable possibility of a significant loss from insurance risk, we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 162.60 Td (record the agreement using the deposit method of accounting. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 138.60 Td (Reinsurance activity is accounted for on a basis consistent with the terms of the reinsurance contracts and the accounting used ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 126.60 Td (for the original policies issued. Premium income and benefits and change in reserves for future benefits are presented in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 114.60 Td (consolidated statements of income net of reinsurance ceded. Ceded liabilities for policy and contract benefits, future policy and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 102.60 Td (contract benefits, and unearned premiums are reported on a gross basis in our consolidated balance sheets, as are ceded policy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 90.60 Td (loans. Our reinsurance recoverable includes the balances due from reinsurers under the terms of the reinsurance agreements for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 78.60 Td (these ceded balances as well as settlement amounts currently due.) Tj ET Q endstream endobj 229 0 obj <> endobj 230 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 1 - Significant ) Tj ET Q q 0 0 0 rg BT 133.89 712.75 Td (Accounting Policies - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 33.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 33.60 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (Where applicable, gains or losses on reinsurance transactions are deferred and amortized into earnings based upon expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (future premium income for non-interest sensitive insurance policies and estimated future gross profits for interest sensitive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.60 Td (insurance policies. ) Tj ET Q q 0 0 0 rg BT 128.74 666.60 Td (The deferred gain on reinsurance included in other liabilities in our consolidated balance sheets at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.08 654.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.52 654.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.52 654.60 Td ( was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.07 654.60 Td ($12.5 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.97 654.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.40 654.60 Td ($17.7 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.30 654.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 367.96 654.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.60 Td (Under ceded reinsurance agreements wherein we are not relieved of our legal liability to our policyholders, if the assuming ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.60 Td (reinsurer is unable to meet its obligations, we remain contingently liable. ) Tj ET Q q 0 0 0 rg BT 345.91 618.60 Td (W) Tj ET Q q 0 0 0 rg BT 354.55 618.60 Td (e evaluate the financial condition of reinsurers and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 606.60 Td (monitor concentration of credit risk to minimize this exposure. ) Tj ET Q q 0 0 0 rg BT 305.09 606.60 Td (W) Tj ET Q q 0 0 0 rg BT 313.73 606.60 Td (e may also require assets in trust, letters of credit, or other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 594.60 Td (acceptable collateral to support our reinsurance recoverable balances. In the event that reinsurers do not meet their obligations to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.60 Td (us under the terms of the reinsurance agreements, certain amounts reported in our reinsurance recoverable could become ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 570.60 Td (uncollectible, in which case the reinsurance recoverable balances are stated net of allowances for uncollectible reinsurance. See ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 558.60 Td (Note 12.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 534.60 Td (Pr) Tj ET Q q 0 0 0 rg BT 59.87 534.60 Td (emium ) Tj ET Q q 0 0 0 rg BT 91.62 534.60 Td (T) Tj ET Q q 0 0 0 rg BT 97.38 534.60 Td (ax Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.44 534.60 Td (: Premium tax expense is included in other expenses in the consolidated statements of income. For the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.60 Td (years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.48 522.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.06 522.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.06 522.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.06 522.60 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.00 522.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.00 522.60 Td (, premium tax expense was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.08 522.60 Td ($155.8 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.97 522.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.97 522.60 Td ($158.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.86 522.60 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.80 522.60 Td ($152.5 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.69 522.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.60 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.16 510.60 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 486.60 Td (Stock-Based Compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.46 486.60 Td (: ) Tj ET Q q 0 0 0 rg BT 171.56 486.60 Td (The cost of stock-based compensation is generally measured based on the grant-date fair value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 474.60 Td (the award. ) Tj ET Q q 0 0 0 rg BT 95.96 474.60 Td (The Black-Scholes options valuation model is used for estimating the fair value of stock options, and the Monte-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 462.60 Td (Carlo valuation model is used for estimating the fair value of performance share units. Restricted stock units are valued based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 450.60 Td (on the fair value of common stock at the grant date. Stock-based awards are expensed over the requisite service period, or for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 438.60 Td (performance share units over the requisite service period, or remaining service period, if and when it becomes probable that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 426.60 Td (performance conditions will be satisfied, with an of) Tj ET Q q 0 0 0 rg BT 255.37 426.60 Td (fsetting increase to additional paid-in capital in stockholders' equity) Tj ET Q q 0 0 0 rg BT 525.34 426.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.60 Td (Forfeitures of stock-based awards are recognized as they occur) Tj ET Q q 0 0 0 rg BT 300.51 414.60 Td (. See Note 1) Tj ET Q q 0 0 0 rg BT 351.51 414.60 Td (1.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 390.60 Td (Earnings Per) Tj ET Q q 0 0 0 rg BT 105.71 390.60 Td ( Shar) Tj ET Q q 0 0 0 rg BT 128.59 390.60 Td (e) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.03 390.60 Td (: ) Tj ET Q q 0 0 0 rg BT 138.12 390.60 Td (W) Tj ET Q q 0 0 0 rg BT 146.76 390.60 Td (e compute basic earnings per share by dividing net income by the weighted average number of common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 378.60 Td (shares outstanding for the period. Earnings per share assuming dilution is computed by dividing net income by the weighted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 366.60 Td (average number of shares outstanding for the period plus the shares representing the dilutive ef) Tj ET Q q 0 0 0 rg BT 429.20 366.60 Td (fect of stock-based awards. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 354.60 Td (computing earnings per share assuming dilution, only potential common shares resulting from stock-based awards that are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 342.60 Td (dilutive \(those that reduce earnings per share\) are included. ) Tj ET Q q 0 0 0 rg BT 291.17 342.60 Td (W) Tj ET Q q 0 0 0 rg BT 299.80 342.60 Td (e use the treasury stock method to account for the ef) Tj ET Q q 0 0 0 rg BT 508.44 342.60 Td (fect of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 330.60 Td (outstanding stock options and nonvested stock awards on the computation of earnings per share assuming dilution. See Note 10.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 306.60 Td (T) Tj ET Q q 0 0 0 rg BT 55.43 306.60 Td (ranslation of For) Tj ET Q q 0 0 0 rg BT 127.46 306.60 Td (eign Curr) Tj ET Q q 0 0 0 rg BT 169.22 306.60 Td (ency) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.66 306.60 Td (: Revenues and expenses of our foreign operations are translated at average exchange rates. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 294.60 Td (Assets and liabilities are translated at the rate of exchange on the balance sheet dates. ) Tj ET Q q 0 0 0 rg BT 395.01 294.60 Td (The translation gain or loss is generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 282.60 Td (reported in accumulated other comprehensive income, net of deferred tax. ) Tj ET Q q 0 0 0 rg BT 350.02 282.60 Td (W) Tj ET Q q 0 0 0 rg BT 358.66 282.60 Td (e do not provide for deferred taxes to the extent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 270.60 Td (unremitted foreign earnings are deemed permanently invested.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 246.60 Td (Accounting for) Tj ET Q q 0 0 0 rg BT 113.48 246.60 Td ( Participating Individual Life Insurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.06 246.60 Td (: Participating policies issued by one of our subsidiaries prior to its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 234.60 Td (1986 conversion from a mutual to a stock life insurance company will remain participating as long as the policies remain in-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 222.60 Td (force. ) Tj ET Q q 0 0 0 rg BT 76.99 222.60 Td (A) Tj ET Q q 0 0 0 rg BT 83.66 222.60 Td ( Participation Fund ) Tj ET Q q 0 0 0 rg BT 162.26 222.60 Td (Account \(PF) Tj ET Q q 0 0 0 rg BT 212.35 222.60 Td (A\) was established for the benefit of all such individual participating life and annuity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 210.60 Td (policies and contracts. ) Tj ET Q q 0 0 0 rg BT 143.46 210.60 Td (The assets of the PF) Tj ET Q q 0 0 0 rg BT 223.26 210.60 Td (A) Tj ET Q q 0 0 0 rg BT 229.93 210.60 Td ( provide for the benefit, dividend, and certain expense obligations of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 198.60 Td (participating individual life insurance policies and annuity contracts. ) Tj ET Q q 0 0 0 rg BT 328.68 198.60 Td (The assets of the PF) Tj ET Q q 0 0 0 rg BT 408.48 198.60 Td (A) Tj ET Q q 0 0 0 rg BT 415.15 198.60 Td ( were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.58 198.60 Td ($301.2 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.47 198.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.91 198.60 Td ($328.3 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 186.60 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 186.60 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.61 186.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.19 186.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.63 186.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.63 186.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 261.29 186.60 Td (.) Tj ET Q endstream endobj 231 0 obj <> endobj 232 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 1 - Significant ) Tj ET Q q 0 0 0 rg BT 133.89 712.75 Td (Accounting Policies - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.85 33.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.48 33.60 Td (1) Tj ET Q q 0 0 0 rg BT 308.11 33.60 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 690.75 Td (Accounting Updates ) Tj ET Q q 0 0 0 rg BT 137.84 690.75 Td (Adopted in 2018:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 52.75 638.25 m 128.75 638.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.75 638.25 m 358.75 638.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.75 638.25 m 432.75 638.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.75 638.25 m 562.75 638.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 52.75 85.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.75 85.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.75 85.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.75 85.75 m BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 670.82 Td (Accounting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 660.82 Td (Standards) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 650.82 Td (Codification) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 640.87 Td (\(ASC\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 642.92 Td (Description) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.25 652.92 Td (Date of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.25 642.92 Td (Adoption) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 652.92 Td (Ef) Tj ET Q q 0 0 0 rg BT 448.51 652.92 Td (fect on Financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 642.92 Td (Statements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 628.82 Td (ASC 230) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 618.82 Td ("Statement of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 608.82 Td (Cash Flows") Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 628.82 Td (This update provided clarifying guidance intended to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 618.82 Td (reduce the diversity in practice in how certain cash) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 608.82 Td (receipts and cash payments are presented and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 598.82 Td (classified in the statement of cash flows. ) Tj ET Q q 0 0 0 rg BT 302.06 598.82 Td (The update) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 588.82 Td (addressed eight specific cash flow issues that relate to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 578.82 Td (various types of transactions. ) Tj ET Q q 0 0 0 rg BT 256.80 578.82 Td (The guidance was) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 568.82 Td (applied retrospectively) Tj ET Q q 0 0 0 rg BT 226.28 568.82 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.25 628.82 Td (January 1, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 628.82 Td (The adoption of this update) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 618.82 Td (resulted in the reclassification) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 608.82 Td (of certain cash inflows) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 598.82 Td (between investing activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 588.82 Td (and operating activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 578.82 Td (within our consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 568.82 Td (statements of cash flows.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 558.82 Td (The reclassification primarily) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 548.82 Td (related to cash distributions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 538.82 Td (from equity method investees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 528.82 Td (and the bifurcation of those) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 518.82 Td (distributions as either returns) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 508.82 Td (on investment or returns of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 498.82 Td (investment which resulted in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 488.82 Td (a reclassification of cash) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 478.82 Td (inflows from investing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 468.82 Td (activities to operating) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 458.82 Td (activities. ) Tj ET Q q 0 0 0 rg BT 482.76 458.82 Td (The remaining) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 448.82 Td (portion of the reclassification) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 438.82 Td (related to the receipt of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 428.82 Td (proceeds from corporate-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 418.82 Td (owned life insurance benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 408.82 Td (which resulted in a) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 398.82 Td (reclassification of cash) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 388.82 Td (inflows from operating) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 378.82 Td (activities to investing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 368.82 Td (activities. ) Tj ET Q q 0 0 0 rg BT 482.76 368.82 Td (The adoption of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 358.82 Td (this update had no ef) Tj ET Q q 0 0 0 rg BT 522.47 358.82 Td (fect on) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 348.82 Td (our financial position or) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 338.82 Td (results of operations. See the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 328.82 Td (summary tables contained) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 318.82 Td (herein for the financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 308.82 Td (statement impacts of this) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 298.82 Td (retrospective adoption.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 279.82 Td (ASC 606) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 269.82 Td ("Revenue from) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 259.82 Td (Contracts with) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 249.82 Td (Customers") Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 279.82 Td (These updates superseded virtually all existing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 269.82 Td (guidance regarding the recognition of revenue from) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 259.82 Td (customers. Specifically excluded from the scope of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 249.82 Td (these updates are insurance contracts, although our) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 239.82 Td (fee-based service products are included within the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 229.82 Td (scope. Our fee-based service products, which are) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 219.82 Td (primarily sold in our Unum US segment, are reported) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 209.82 Td (in other income within our consolidated statements of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 199.82 Td (income and represent less than one percent of our total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 189.82 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 174.31 189.82 Td (The core principle of this guidance is that) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 179.82 Td (revenue recognition should depict the transfer of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 169.82 Td (goods or services to customers in an amount that) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 159.82 Td (reflects the consideration to which an entity expects to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 149.82 Td (be entitled in exchange for those goods or services.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 139.82 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 184.91 139.82 Td (, we continue to recognize revenue for) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 129.82 Td (these fee-based service products as services are) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 119.82 Td (rendered. ) Tj ET Q q 0 0 0 rg BT 177.64 119.82 Td (The guidance was applied retrospectively) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 109.82 Td (for all periods presented or retrospectively with a) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 99.82 Td (cumulative-ef) Tj ET Q q 0 0 0 rg BT 190.69 99.82 Td (fect adjustment at the date of adoption.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.25 279.82 Td (January 1, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 279.82 Td (The adoption of these updates) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 269.82 Td (did not have an impact on our) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 259.82 Td (financial position or results of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 249.82 Td (operations and did not result) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 239.82 Td (in expanded disclosures due) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 229.82 Td (to the immaterial nature of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 219.82 Td (our fee-based service) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 209.82 Td (products relative to our) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 199.82 Td (overall business.) Tj ET Q endstream endobj 233 0 obj <> endobj 234 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 1 - Significant ) Tj ET Q q 0 0 0 rg BT 133.89 712.75 Td (Accounting Policies - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 33.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 33.60 Td (12) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 52.75 662 m 128.75 662 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.75 662 m 358.75 662 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.75 662 m 432.75 662 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.75 662 m 562.75 662 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 52.75 205.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.75 205.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.75 205.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.75 205.5 m BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 666.67 Td (ASC) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 666.67 Td (Description) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.25 676.67 Td (Date of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.25 666.67 Td (Adoption) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 676.67 Td (Ef) Tj ET Q q 0 0 0 rg BT 448.51 676.67 Td (fect on Financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 666.67 Td (Statements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 652.57 Td (ASC 715) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 642.57 Td ("Compensation -) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 632.57 Td (Retirement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 622.57 Td (Benefits") Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 652.57 Td (This update required the service cost component of net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 642.57 Td (periodic pension and postretirement benefit costs to be) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 632.57 Td (included as a component of compensation costs in an) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 622.57 Td (entity's statement of income. Other components of net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 612.57 Td (periodic pension and postretirement benefit costs are) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 602.57 Td (required to be presented separately from the service) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 592.57 Td (cost along with a disclosure identifying the line items) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 582.57 Td (in which these costs are presented in the statement of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 572.57 Td (income. ) Tj ET Q q 0 0 0 rg BT 172.09 572.57 Td (The amendments in this update were applied) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 562.57 Td (retrospectively or prospectively depending on the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 552.57 Td (specific requirement of the update.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.25 652.57 Td (January 1, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 652.57 Td (The adoption of this update) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 642.57 Td (resulted in the reclassification) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 632.57 Td (of service cost from the other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 622.57 Td (expenses line item to the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 612.57 Td (compensation expense line) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 602.57 Td (item on our consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 592.57 Td (statements of income but had) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 582.57 Td (no ef) Tj ET Q q 0 0 0 rg BT 459.43 582.57 Td (fect on our financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 572.57 Td (position or results of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 562.57 Td (operations. ) Tj ET Q q 0 0 0 rg BT 488.31 562.57 Td (W) Tj ET Q q 0 0 0 rg BT 497.26 562.57 Td (e elected to use) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 552.57 Td (the practical expedient for the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 542.57 Td (retrospective application of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 532.57 Td (this update. See the summary) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 522.57 Td (tables contained herein for) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 512.57 Td (the financial statement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 502.57 Td (impacts of this retrospective) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 492.57 Td (adoption.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 470.57 Td (ASC 740) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 460.57 Td ("Income ) Tj ET Q q 0 0 0 rg BT 91.73 460.57 Td (T) Tj ET Q q 0 0 0 rg BT 97.40 460.57 Td (axes") Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 470.57 Td (This update eliminated the exception that required the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 460.57 Td (tax ef) Tj ET Q q 0 0 0 rg BT 157.65 460.57 Td (fect of intra-entity asset transfers other than) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 450.57 Td (inventory to be deferred until the transferred asset is) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 440.57 Td (sold to a third party or otherwise recovered through) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 430.57 Td (use. It required recognition of tax expense from the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 420.57 Td (sale of the asset in the seller) Tj ET Q q 0 0 0 rg BT 247.62 420.57 Td () Tj ET Q q 0 0 0 rg BT 250.86 420.57 Td (s tax jurisdiction when) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 410.57 Td (the transfer occurs, even though the pre-tax ef) Tj ET Q q 0 0 0 rg BT 318.97 410.57 Td (fects of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 400.57 Td (that transaction are eliminated in consolidation. ) Tj ET Q q 0 0 0 rg BT 330.10 400.57 Td (The) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 390.57 Td (guidance was applied retrospectively) Tj ET Q q 0 0 0 rg BT 282.92 390.57 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.25 470.57 Td (January 1, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 470.57 Td (The adoption of this update) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 460.57 Td (did not have an impact on our) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 450.57 Td (financial position or results of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 440.57 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 371.57 Td (ASC 815) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 361.57 Td ("Derivatives and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 351.57 Td (Hedge) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 341.57 Td (Accounting") Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 371.57 Td (This update provided tar) Tj ET Q q 0 0 0 rg BT 233.19 371.57 Td (geted improvements to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 361.57 Td (accounting for hedging activities for both nonfinancial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 351.57 Td (and financial risk components, aligns the recognition) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 341.57 Td (and presentation of the ef) Tj ET Q q 0 0 0 rg BT 236.79 341.57 Td (fects of the hedging) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 331.57 Td (instrument and the hedged item in the financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 321.57 Td (statements, eases certain documentation and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 311.57 Td (ef) Tj ET Q q 0 0 0 rg BT 142.93 311.57 Td (fectiveness assessment requirements, and enhances) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 301.57 Td (transparency through expanded disclosures. For cash) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 291.57 Td (flow and net investment hedges existing at the date of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 281.57 Td (adoption, the guidance was applied using a modified) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 271.57 Td (retrospective approach through a cumulative-ef) Tj ET Q q 0 0 0 rg BT 324.52 271.57 Td (fect) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 261.57 Td (adjustment to accumulated other comprehensive) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 251.57 Td (income with a corresponding adjustment to retained) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 241.57 Td (earnings as of the beginning of the fiscal year the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 231.57 Td (guidance is adopted. ) Tj ET Q q 0 0 0 rg BT 222.08 231.57 Td (The amended presentation and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 221.57 Td (disclosure guidance were required prospectively) Tj ET Q q 0 0 0 rg BT 328.18 221.57 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 211.57 Td (Early adoption was permitted.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.25 371.57 Td (January 1, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 371.57 Td (W) Tj ET Q q 0 0 0 rg BT 447.89 371.57 Td (e elected to early adopt this) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 361.57 Td (update. ) Tj ET Q q 0 0 0 rg BT 473.22 361.57 Td (The adoption of this) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 351.57 Td (update did not have an) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 341.57 Td (impact on our financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 331.57 Td (position or results of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 321.57 Td (operations; however) Tj ET Q q 0 0 0 rg BT 520.21 321.57 Td (, it) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 311.57 Td (expanded our disclosures.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 301.57 Td (This update also simplified) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 291.57 Td (hedge documentation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 281.57 Td (requirements and expanded) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 271.57 Td (available hedging strategies.) Tj ET Q endstream endobj 235 0 obj <> endobj 236 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 1 - Significant ) Tj ET Q q 0 0 0 rg BT 133.89 712.75 Td (Accounting Policies - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 33.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 33.60 Td (13) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 52.75 661 m 128.75 661 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.75 661 m 358.75 661 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.75 661 m 432.75 661 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.75 661 m 562.75 661 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 665.67 Td (ASC) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 665.67 Td (Description) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.25 675.67 Td (Date of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.25 665.67 Td (Adoption) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 675.67 Td (Ef) Tj ET Q q 0 0 0 rg BT 448.51 675.67 Td (fect on Financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 665.67 Td (Statements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 651.57 Td (ASC 820 "Fair) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 641.57 Td (V) Tj ET Q q 0 0 0 rg BT 61.92 641.57 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 631.57 Td (Measurement") Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 651.57 Td (This update amended the fair value measurement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 641.57 Td (guidance by removing or clarifying certain existing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 631.57 Td (disclosure requirements, while also adding new) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 621.57 Td (disclosure requirements. Specifically) Tj ET Q q 0 0 0 rg BT 285.43 621.57 Td (, this update) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 611.57 Td (removed certain disclosures related to Level 1 and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 601.57 Td (Level 2 transfers and also removed the discussion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 591.57 Td (regarding valuation processes of Level 3 fair value) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 581.57 Td (measurements. ) Tj ET Q q 0 0 0 rg BT 199.86 581.57 Td (The update modifies guidance related) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 571.57 Td (to investments in certain entities that calculate net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 561.57 Td (asset value to explicitly require disclosure regarding) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 551.57 Td (timing of liquidation of the investee's assets and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 541.57 Td (timing of redemption restrictions. ) Tj ET Q q 0 0 0 rg BT 274.58 541.57 Td (The update adds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 531.57 Td (disclosures around the changes in unrealized gains and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 521.57 Td (losses in other comprehensive income for recurring) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 511.57 Td (Level 3 investments held at the end of the reporting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 501.57 Td (period and adds disclosures regarding certain) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 491.57 Td (unobservable inputs on Level 3 fair value) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 481.57 Td (measurements. ) Tj ET Q q 0 0 0 rg BT 199.86 481.57 Td (The guidance was applied) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 471.57 Td (retrospectively or prospectively depending on the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 461.57 Td (specific requirement of the update. Entities are) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 451.57 Td (permitted to early adopt any removed or modified) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 441.57 Td (disclosures and may delay adoption of the additional) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 431.57 Td (disclosures until their ef) Tj ET Q q 0 0 0 rg BT 231.53 431.57 Td (fective date.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.25 651.57 Td (December 31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.25 641.57 Td (2018 for the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.25 631.57 Td (removal and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.25 621.57 Td (modification of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.25 611.57 Td (certain) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.25 601.57 Td (disclosures and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.25 591.57 Td (January 1, 2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.25 581.57 Td (for the addition) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.25 571.57 Td (of certain) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.25 561.57 Td (disclosures.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 651.57 Td (W) Tj ET Q q 0 0 0 rg BT 448.29 651.57 Td (e elected to early adopt the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 641.57 Td (removal and modification of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 631.57 Td (disclosures, as permitted by) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 621.57 Td (the update. ) Tj ET Q q 0 0 0 rg BT 488.03 621.57 Td (W) Tj ET Q q 0 0 0 rg BT 496.98 621.57 Td (e have elected) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 611.57 Td (to delay the adoption of the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 601.57 Td (additional disclosures until) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 591.57 Td (the ef) Tj ET Q q 0 0 0 rg BT 461.65 591.57 Td (fective date. ) Tj ET Q q 0 0 0 rg BT 515.32 591.57 Td (The) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 581.57 Td (adoption of this update will) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 571.57 Td (modify our disclosures but) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 561.57 Td (will not have an impact on) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 551.57 Td (our financial position or) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 541.57 Td (results of operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 412.57 Td (ASC 825) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 402.57 Td ("Financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 392.57 Td (Instruments -) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 382.57 Td (Overall") Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 412.57 Td (This update changed the accounting and disclosure) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 402.57 Td (requirements for certain financial instruments. ) Tj ET Q q 0 0 0 rg BT 325.37 402.57 Td (These) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 392.57 Td (changes include a requirement to measure equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 382.57 Td (investments, other than those that result in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 372.57 Td (consolidation or are accounted for under the equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 362.57 Td (method, at fair value through net income unless the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 352.57 Td (investment qualifies for certain practicability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 342.57 Td (exceptions. In addition, the update clarified guidance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 332.57 Td (related to the valuation allowance assessment when) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 322.57 Td (recognizing deferred tax assets resulting from) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 312.57 Td (unrealized losses on available-for) Tj ET Q q 0 0 0 rg BT 269.26 312.57 Td (-sale fixed maturity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 302.57 Td (securities. Changes also included the modification of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 292.57 Td (certain disclosures around the fair value of financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 282.57 Td (instruments, including the requirement for separate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 272.57 Td (presentation of financial assets and liabilities by) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 262.57 Td (measurement category) Tj ET Q q 0 0 0 rg BT 225.16 262.57 Td (, as well as the elimination of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 252.57 Td (certain disclosures around methods and significant) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 242.57 Td (assumptions used to estimate fair value. ) Tj ET Q q 0 0 0 rg BT 299.57 242.57 Td (The guidance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 232.57 Td (was applied using a modified retrospective approach) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 222.57 Td (through a cumulative-ef) Tj ET Q q 0 0 0 rg BT 231.23 222.57 Td (fect adjustment to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 212.57 Td (accumulated other comprehensive income with a) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 202.57 Td (corresponding adjustment to retained earnings as of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.25 192.57 Td (the beginning of the fiscal year of adoption.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.25 412.57 Td (January 1, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 412.57 Td (See the summary tables) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 402.57 Td (contained herein for the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 392.57 Td (financial statement impacts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 382.57 Td (of this modified retrospective) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 372.57 Td (adoption on our financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 362.57 Td (statement line items at) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.25 352.57 Td (January 1, 2018.) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 237 0 obj <> endobj 238 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 1 - Significant ) Tj ET Q q 0 0 0 rg BT 133.89 712.75 Td (Accounting Policies - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 33.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 33.60 Td (14) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 690.75 Td (Summary of Financial Statement Impacts of ) Tj ET Q q 0 0 0 rg BT 240.60 690.75 Td (Accounting Updates ) Tj ET Q q 0 0 0 rg BT 328.94 690.75 Td (Adopted in 2018: ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 602.25 189.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.25 602.25 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.25 602.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.25 602.25 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.25 602.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.25 602.25 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.25 602.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 602.25 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.25 602.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.25 602.25 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.25 602.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.25 602.25 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 574.25 189.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.25 574.25 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.25 574.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.25 574.25 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.25 574.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.25 574.25 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.25 574.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.25 574.25 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.25 574.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.25 574.25 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.25 574.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.25 574.25 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 546.25 189.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.25 546.25 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.25 546.25 4.00 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666.25 m 355.25 666.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.25 666.25 m 400.25 666.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.25 666.25 m 404.25 666.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.25 666.25 m 461.25 666.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.25 666.25 m 465.25 666.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.25 666.25 m 517.25 666.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.25 666.25 m 521.25 666.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.25 666.25 m 566.25 666.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.25 652.25 m 295.25 652.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.25 652.25 m 299.25 652.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.25 652.25 m 351.25 652.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.25 652.25 m 355.25 652.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.25 652.25 m 400.25 652.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.25 652.25 m 461.25 652.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.25 652.25 m 465.25 652.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.25 652.25 m 517.25 652.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.25 652.25 m 521.25 652.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.25 652.25 m 566.25 652.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.25 652.25 m 295.25 652.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.25 616.25 m 295.25 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.25 652.25 m 299.25 652.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.25 652.25 m 351.25 652.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.25 616.25 m 351.25 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.25 652.25 m 355.25 652.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.25 652.25 m 400.25 652.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.25 616.25 m 400.25 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.25 652.25 m 461.25 652.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.25 616.25 m 461.25 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.25 652.25 m 465.25 652.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.25 652.25 m 517.25 652.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.25 616.25 m 517.25 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.25 652.25 m 521.25 652.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.25 652.25 m 566.25 652.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.25 616.25 m 566.25 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.25 602.25 m 295.25 602.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.25 602.25 m 299.25 602.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.25 602.25 m 351.25 602.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.25 602.25 m 355.25 602.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.25 602.25 m 400.25 602.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.25 602.25 m 404.25 602.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.25 602.25 m 461.25 602.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.25 602.25 m 465.25 602.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.25 602.25 m 517.25 602.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.25 602.25 m 521.25 602.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.25 602.25 m 566.25 602.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.10 670.82 Td (For the ) Tj ET Q q 0 0 0 rg BT 366.02 670.82 Td (Y) Tj ET Q q 0 0 0 rg BT 372.56 670.82 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.75 656.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.75 656.82 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.50 640.92 Td (Historical) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.90 630.92 Td (Accounting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.65 620.92 Td (Method) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.15 630.92 Td (As) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.65 620.92 Td (Adjusted) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.70 630.92 Td (Ef) Tj ET Q q 0 0 0 rg BT 369.05 630.92 Td (fect of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.95 620.92 Td (Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.50 640.92 Td (Historical) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.90 630.92 Td (Accounting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.65 620.92 Td (Method) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.15 630.92 Td (As) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 620.92 Td (Adjusted) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.70 630.92 Td (Ef) Tj ET Q q 0 0 0 rg BT 535.05 630.92 Td (fect of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.95 620.92 Td (Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.60 606.82 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 592.93 Td (Adjustments due to ) Tj ET Q q 0 0 0 rg BT 137.31 592.93 Td (ASC 230) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 51.75 578.93 Td (Consolidated Statements of Cash Flow) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 564.93 Td (Cash Flows fr) Tj ET Q q 0 0 0 rg BT 111.10 564.93 Td (om Operating ) Tj ET Q q 0 0 0 rg BT 172.95 564.93 Td (Activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.75 550.82 Td (Other) Tj ET Q q 0 0 0 rg BT 92.32 550.82 Td (, Net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.75 550.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.90 550.82 Td (12.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.75 550.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.90 550.82 Td (27.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.75 550.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.90 550.82 Td (14.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.75 550.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.90 550.82 Td (32.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.75 550.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.90 550.82 Td (38.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.75 550.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.90 550.82 Td (5.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 536.93 Td (Cash Flows fr) Tj ET Q q 0 0 0 rg BT 111.01 536.93 Td (om Investing ) Tj ET Q q 0 0 0 rg BT 168.24 536.93 Td (Activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.75 520.92 Td (Proceeds from Sales and Maturities of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.75 510.92 Td (Other Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.90 510.92 Td (272.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.90 510.92 Td (257.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.55 510.97 Td (\(14.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.40 510.92 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.90 510.92 Td (336.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.90 510.92 Td (331.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.55 510.92 Td (\(5.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 510.92 Td (\)) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 416.25 189.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 239.00 416.25 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.00 416.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.00 416.25 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.00 416.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 416.25 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 416.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 416.25 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.00 416.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 416.25 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 416.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.00 416.25 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 388.25 189.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 239.00 388.25 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.00 388.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.00 388.25 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.00 388.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 388.25 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.00 388.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.00 388.25 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.00 388.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 388.25 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 388.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.00 388.25 45.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239 481.25 m 296 481.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 481.25 m 300 481.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300 481.25 m 352 481.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352 481.25 m 356 481.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 481.25 m 401 481.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 481.25 m 405 481.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405 481.25 m 462 481.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462 481.25 m 466 481.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466 481.25 m 518 481.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 481.25 m 522 481.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522 481.25 m 567 481.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239 466.25 m 296 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 466.25 m 300 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300 466.25 m 352 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352 466.25 m 356 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 466.25 m 401 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405 466.25 m 462 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462 466.25 m 466 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466 466.25 m 518 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 466.25 m 522 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522 466.25 m 567 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239 466.25 m 296 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239 430.25 m 296 430.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 466.25 m 300 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300 466.25 m 352 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300 430.25 m 352 430.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352 466.25 m 356 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 466.25 m 401 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 430.25 m 401 430.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405 466.25 m 462 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405 430.25 m 462 430.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462 466.25 m 466 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466 466.25 m 518 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466 430.25 m 518 430.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 466.25 m 522 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522 466.25 m 567 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522 430.25 m 567 430.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239 416.25 m 296 416.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 416.25 m 300 416.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300 416.25 m 352 416.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352 416.25 m 356 416.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 416.25 m 401 416.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401 416.25 m 405 416.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405 416.25 m 462 416.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462 416.25 m 466 416.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466 416.25 m 518 416.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 416.25 m 522 416.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522 416.25 m 567 416.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.85 485.92 Td (For the ) Tj ET Q q 0 0 0 rg BT 366.77 485.92 Td (Y) Tj ET Q q 0 0 0 rg BT 373.31 485.92 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.50 470.92 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.50 470.92 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.25 454.92 Td (Historical) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.65 444.92 Td (Accounting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.40 434.92 Td (Method) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.90 444.92 Td (As) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.40 434.92 Td (Adjusted) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.45 444.92 Td (Ef) Tj ET Q q 0 0 0 rg BT 369.80 444.92 Td (fect of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.70 434.92 Td (Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.25 454.92 Td (Historical) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.65 444.92 Td (Accounting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.40 434.92 Td (Method) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.90 444.92 Td (As) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.40 434.92 Td (Adjusted) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.45 444.92 Td (Ef) Tj ET Q q 0 0 0 rg BT 535.80 444.92 Td (fect of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.70 434.92 Td (Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.35 420.82 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 406.93 Td (Adjustments due to ) Tj ET Q q 0 0 0 rg BT 137.79 406.93 Td (ASC 715) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 392.93 Td (Consolidated Statements of Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 378.82 Td (Compensation Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.50 378.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.65 378.82 Td (844.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.50 378.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.65 378.82 Td (852.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.50 378.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.65 378.82 Td (7.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.50 378.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 378.82 Td (832.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.50 378.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 378.82 Td (839.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.50 378.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 378.82 Td (7.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 364.82 Td (Other Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.65 364.82 Td (862.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.65 364.82 Td (855.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.30 364.87 Td (\(7.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 364.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 364.82 Td (831.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 364.82 Td (824.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.30 364.82 Td (\(7.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 364.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 300.25 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.25 300.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 300.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.25 300.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.25 300.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.25 300.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 272.25 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.25 272.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 272.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.25 272.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.25 272.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.25 272.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 244.25 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.25 244.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 244.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.25 244.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.25 244.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.25 244.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 216.25 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.25 216.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 216.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.25 216.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.25 216.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.25 216.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 188.25 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.25 188.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 188.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.25 188.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.25 188.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.25 188.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 160.25 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.25 160.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 160.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.25 160.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.25 160.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.25 160.25 70.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.25 314.25 m 418.25 314.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.25 314.25 m 492.25 314.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.25 314.25 m 566.25 314.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.25 300.25 m 418.25 300.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 300.25 m 422.25 300.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.25 300.25 m 492.25 300.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.25 300.25 m 496.25 300.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.25 300.25 m 566.25 300.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.75 338.92 Td (Balance at) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.70 328.92 Td (December 31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.75 318.92 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.75 328.92 Td (Balance at) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.95 318.92 Td (January 1, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.20 328.92 Td (Ef) Tj ET Q q 0 0 0 rg BT 522.55 328.92 Td (fect of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.45 318.92 Td (Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.60 304.82 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 290.93 Td (Adjustments due to ) Tj ET Q q 0 0 0 rg BT 137.31 290.93 Td (ASC 825) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 51.75 276.93 Td (Consolidated Balance Sheets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 262.93 Td (Assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 248.93 Td (Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.75 234.82 Td (Other Long-term Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.75 234.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.90 234.82 Td (646.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.75 234.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.90 234.82 Td (643.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.75 234.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.55 234.82 Td (\(3.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 234.82 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 206.93 Td (Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.75 192.82 Td (Deferred Income ) Tj ET Q q 0 0 0 rg BT 140.17 192.82 Td (T) Tj ET Q q 0 0 0 rg BT 145.84 192.82 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.90 192.82 Td (199.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.90 192.82 Td (198.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.55 192.82 Td (\(0.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 192.82 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 164.93 Td (Stockholders' Equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.75 150.82 Td (Accumulated Other Comprehensive Income \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.90 150.82 Td (127.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.90 150.82 Td (1) Tj ET Q q 0 0 0 rg BT 470.90 150.82 Td (10.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.55 150.82 Td (\(17.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 150.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.75 136.82 Td (Retained Earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.40 136.82 Td (9,542.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.40 136.82 Td (9,556.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 136.82 Td (14.5) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 108.75 Td (For the adoption of these updates, certain reclassifications have been made to prior year amounts in order to conform to current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 96.75 Td (year presentation.) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.50 636.82 Td (January 1, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.50 626.82 Td (for annual) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.50 616.82 Td (reporting period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.50 606.82 Td (disclosures and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.50 596.82 Td (January 1, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.50 586.82 Td (for interim) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.50 576.82 Td (reporting period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.50 566.82 Td (disclosures.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.50 636.82 Td (The adoption of this) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.50 626.82 Td (update expanded our) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.50 616.82 Td (interim reporting period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.50 606.82 Td (disclosures but had no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.50 596.82 Td (ef) Tj ET Q q 0 0 0 rg BT 474.18 596.82 Td (fect on our financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.50 586.82 Td (position or results of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.50 576.82 Td (operations. ) Tj ET Q q 0 0 0 rg BT 515.56 576.82 Td (The annual) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.50 566.82 Td (reporting period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.50 556.82 Td (disclosure requirements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.50 546.82 Td (were only applicable to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.50 536.82 Td (our individual dental) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.50 526.82 Td (products, which we) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.50 516.82 Td (deem immaterial, and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.50 506.82 Td (therefore did not alter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.50 496.82 Td (our annual disclosures.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 474.82 Td (ASC 718) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 464.82 Td ("Compensation -) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 454.82 Td (Stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 444.82 Td (Compensation") Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.50 474.82 Td (This update changed the accounting and disclosure) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.50 464.82 Td (requirements for certain aspects of share-based payments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.50 454.82 Td (to employees. ) Tj ET Q q 0 0 0 rg BT 206.95 454.82 Td (The update required all income tax ef) Tj ET Q q 0 0 0 rg BT 356.70 454.82 Td (fects) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.50 444.82 Td (of stock-based compensation awards to be recognized in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.50 434.82 Td (the income statement when the awards vest or are settled.) 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Instead, entities are required to disclose the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.75 596.82 Td (fair value of these investments so that financial statement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.75 586.82 Td (users can reconcile amounts reported in the fair value) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.75 576.82 Td (hierarchy table to the amounts reported on the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.75 566.82 Td (consolidated balance sheets. ) Tj ET Q q 0 0 0 rg BT 263.67 566.82 Td (The guidance was applied) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.75 556.82 Td (retrospectively) Tj ET Q q 0 0 0 rg BT 204.84 556.82 Td (.) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 526.82 Td (ASC 835 "Interest -) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 516.82 Td (Imputation of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 506.82 Td (Interest") Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.75 526.82 Td (This update simplified the presentation of deferred debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.75 516.82 Td (issuance costs by requiring these costs to be presented in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.75 506.82 Td (the balance sheet as a reduction of the carrying amount of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.75 496.82 Td (the debt liability to which the deferred costs relate, rather) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.75 486.82 Td (than classifying the deferred costs as an asset. ) Tj ET Q q 0 0 0 rg BT 333.93 486.82 Td (This) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.75 476.82 Td (classification is consistent with the treatment of debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.75 466.82 Td (discounts. ) Tj ET Q q 0 0 0 rg BT 190.94 466.82 Td (W) Tj ET Q q 0 0 0 rg BT 199.89 466.82 Td (e applied the amendments in the update) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.75 456.82 Td (retrospectively) Tj ET Q q 0 0 0 rg BT 204.84 456.82 Td (, adjusting all prior periods in our) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.75 446.82 Td (consolidated financial statements and accompanying) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.75 436.82 Td (notes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.75 526.82 Td (January 1, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.75 526.82 Td (The adoption of this) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.75 516.82 Td (update resulted in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.75 506.82 Td (reclassification) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.75 496.82 Td (adjustments to our) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.75 486.82 Td (consolidated balance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.75 476.82 Td (sheets but had no ef) Tj ET Q q 0 0 0 rg BT 544.99 476.82 Td (fect) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.75 466.82 Td (on our financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.75 456.82 Td (position or results of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.75 446.82 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 243 0 obj <> endobj 244 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 1 - Significant ) Tj ET Q q 0 0 0 rg BT 133.89 712.75 Td (Accounting Policies - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 33.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 33.60 Td (17) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 690.75 Td (Accounting Updates Outstanding:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 654.25 m 138 654.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 142 654.25 m 380 654.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384 654.25 m 454 654.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458 654.25 m 560 654.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 658.92 Td (ASC) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 658.92 Td (Description) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.50 668.92 Td (Date of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.50 658.92 Td (Adoption) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 668.92 Td (Ef) Tj ET Q q 0 0 0 rg BT 469.76 668.92 Td (fect on Financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 658.92 Td (Statements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 644.82 Td (ASC 220 "Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 634.82 Td (Statement -) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 624.82 Td (Reporting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 614.82 Td (Comprehensive) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 604.82 Td (Income") Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 644.82 Td (This update allows entities to make an optional) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 634.82 Td (accounting policy election to reclassify the stranded tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 624.82 Td (ef) Tj ET Q q 0 0 0 rg BT 152.18 624.82 Td (fects arising as a result of the recognition of the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 614.82 Td (enactment of the tax bill, H.R.1, ) Tj ET Q q 0 0 0 rg BT 275.30 614.82 Td (An ) Tj ET Q q 0 0 0 rg BT 289.47 614.82 Td (Act to Provide) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 604.82 Td (Reconciliation Pursuant to ) Tj ET Q q 0 0 0 rg BT 253.00 604.82 Td (T) Tj ET Q q 0 0 0 rg BT 258.85 604.82 Td (itles II and ) Tj ET Q q 0 0 0 rg BT 303.84 604.82 Td (V) Tj ET Q q 0 0 0 rg BT 310.88 604.82 Td ( of the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 594.82 Td (Concurrent Resolution on the Budget for Fiscal ) Tj ET Q q 0 0 0 rg BT 336.79 594.82 Td (Y) Tj ET Q q 0 0 0 rg BT 343.32 594.82 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 584.82 Td (2018, more commonly known as the ) Tj ET Q q 0 0 0 rg BT 293.00 584.82 Td (T) Tj ET Q q 0 0 0 rg BT 298.67 584.82 Td (ax Cuts and Jobs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 574.82 Td (Act \(TCJA\) from accumulated other comprehensive) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 564.82 Td (income to retained earnings. ) Tj ET Q q 0 0 0 rg BT 262.70 564.82 Td (T) Tj ET Q q 0 0 0 rg BT 268.37 564.82 Td (ax ef) Tj ET Q q 0 0 0 rg BT 287.64 564.82 Td (fects that are stranded) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 554.82 Td (in accumulated other comprehensive income for reasons) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 544.82 Td (other than the ) Tj ET Q q 0 0 0 rg BT 201.89 544.82 Td (TCJA) Tj ET Q q 0 0 0 rg BT 225.42 544.82 Td ( may not be reclassified. ) Tj ET Q q 0 0 0 rg BT 327.52 544.82 Td (This update) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 534.82 Td (requires additional disclosures on whether an entity elects) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 524.82 Td (to reclassify the stranded tax ef) Tj ET Q q 0 0 0 rg BT 269.08 524.82 Td (fects and its policy for) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 514.82 Td (releasing tax ef) Tj ET Q q 0 0 0 rg BT 205.49 514.82 Td (fects from accumulated other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 504.82 Td (comprehensive income. ) Tj ET Q q 0 0 0 rg BT 244.38 504.82 Td (This guidance may be applied in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 494.82 Td (the period of adoption or retrospectively to each period in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 484.82 Td (which the ef) Tj ET Q q 0 0 0 rg BT 193.83 484.82 Td (fect of the change in federal income tax rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 474.82 Td (in the ) Tj ET Q q 0 0 0 rg BT 169.40 474.82 Td (TCJA) Tj ET Q q 0 0 0 rg BT 192.93 474.82 Td ( is recognized, with early adoption permitted.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.50 644.82 Td (January 1, 2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 644.82 Td (The adoption of this) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 634.82 Td (update will expand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 624.82 Td (certain of our) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 614.82 Td (disclosures but will) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 604.82 Td (have no impact on our) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 594.82 Td (financial position or) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 584.82 Td (results of operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 574.82 Td (because we do not) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 564.82 Td (intend to make the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 554.82 Td (optional accounting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 544.82 Td (policy election to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 534.82 Td (reclassify the stranded) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 524.82 Td (tax ef) Tj ET Q q 0 0 0 rg BT 482.90 524.82 Td (fects resulting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 514.82 Td (from the ) Tj ET Q q 0 0 0 rg BT 497.06 514.82 Td (TCJA) Tj ET Q q 0 0 0 rg BT 520.59 514.82 Td ( from) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 504.82 Td (accumulated other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 494.82 Td (comprehensive income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 484.82 Td (to retained earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 455.82 Td (ASC 310) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 445.82 Td ("Receivables -) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 435.82 Td (Nonrefundable Fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 425.82 Td (and Other Costs") Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 455.82 Td (This update shortens the amortization period to the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 445.82 Td (earliest call date for certain callable debt securities held at) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 435.82 Td (a premium. ) Tj ET Q q 0 0 0 rg BT 194.95 435.82 Td (This update does not impact securities held) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 425.82 Td (at a discount. ) Tj ET Q q 0 0 0 rg BT 202.45 425.82 Td (The guidance is to be applied using a) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 415.82 Td (modified retrospective approach through a cumulative-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 405.82 Td (ef) Tj ET Q q 0 0 0 rg BT 152.18 405.82 Td (fect adjustment to retained earnings as of the beginning) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 395.82 Td (of the period of adoption, with early adoption permitted.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.50 455.82 Td (January 1, 2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 455.82 Td (W) Tj ET Q q 0 0 0 rg BT 469.14 455.82 Td (e have determined) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 445.82 Td (that certain of our) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 435.82 Td (callable debt securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 425.82 Td (are within the scope of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 415.82 Td (this update. ) Tj ET Q q 0 0 0 rg BT 511.42 415.82 Td (The) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 405.82 Td (adoption of this update) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 395.82 Td (will not have a material) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 385.82 Td (impact on our financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 375.82 Td (position or results of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 365.82 Td (operations.) Tj ET Q endstream endobj 245 0 obj <> endobj 246 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 1 - Significant ) Tj ET Q q 0 0 0 rg BT 133.89 712.75 Td (Accounting Policies - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 33.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 33.60 Td (18) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 671 m 138 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 142 671 m 380 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384 671 m 454 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458 671 m 560 671 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 675.67 Td (ASC) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 675.67 Td (Description) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.50 685.67 Td (Date of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.50 675.67 Td (Adoption) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 685.67 Td (Ef) Tj ET Q q 0 0 0 rg BT 469.76 685.67 Td (fect on Financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 675.67 Td (Statements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 661.57 Td (ASC 718) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 651.57 Td ("Compensation -) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 641.57 Td (Stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 631.57 Td (Compensation") Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 661.57 Td (This update generally aligns the accounting guidance for) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 651.57 Td (share-based payments issued to non-employees with) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 641.57 Td (guidance for share-based payments issued to employees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 631.57 Td (Specifically) Tj ET Q q 0 0 0 rg BT 191.93 631.57 Td (, the update requires non-employee share-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 621.57 Td (based payments to be measured using the grant date fair) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 611.57 Td (value of the equity instruments that an entity is obligated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 601.57 Td (to issue when the good has been delivered or the service) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 591.57 Td (has been rendered rather than being remeasured through) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 581.57 Td (the performance completion date. ) Tj ET Q q 0 0 0 rg BT 283.61 581.57 Td (Additionally) Tj ET Q q 0 0 0 rg BT 333.56 581.57 Td (, for non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 571.57 Td (employee share-based payments that contain performance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 561.57 Td (conditions, the update will change the criteria regarding) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 551.57 Td (the recognition of compensation cost to when) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 541.57 Td (achievement of a performance condition is probable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 531.57 Td (rather than upon actual achievement of the performance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 521.57 Td (condition. ) Tj ET Q q 0 0 0 rg BT 189.68 521.57 Td (The guidance is to be applied using a) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 511.57 Td (modified retrospective approach through a cumulative-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 501.57 Td (ef) Tj ET Q q 0 0 0 rg BT 152.18 501.57 Td (fect adjustment to retained earnings as of the beginning) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 491.57 Td (of the period of adoption, with early adoption permitted.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 481.57 Td (For purposes of determining the cumulative ef) Tj ET Q q 0 0 0 rg BT 329.92 481.57 Td (fect) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 471.57 Td (adjustment, the guidance shall be applied only to equity-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 461.57 Td (classified non-employee share-based payments for which) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 451.57 Td (a measurement date has not been established and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 441.57 Td (liability-classified non-employee share-based payments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 431.57 Td (that have not been settled as of the date of adoption.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.50 661.57 Td (January 1, 2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 661.57 Td (The adoption of this) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 651.57 Td (update will not have an) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 641.57 Td (impact on our financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 631.57 Td (position or results of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 621.57 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 414.57 Td (ASC 842 "Leases") Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 414.57 Td (This update changes the accounting for leases, requiring) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 404.57 Td (lessees to report most leases on their balance sheets,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 394.57 Td (regardless of whether the lease is classified as a finance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 384.57 Td (lease or an operating lease. For lessees, the initial lease) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 374.57 Td (liability is equal to the present value of lease payments,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 364.57 Td (and a corresponding right-of-use asset, adjusted for) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 354.57 Td (certain items, is also recorded. Expense recognition for) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 344.57 Td (lessees will remain similar to current accounting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 334.57 Td (requirements for capital and operating leases. For) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 324.57 Td (lessors, the guidance modifies the classification criteria) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 314.57 Td (and the accounting for sales-type and direct financing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 304.57 Td (leases. ) Tj ET Q q 0 0 0 rg BT 175.79 304.57 Td (The guidance may be applied using a modified) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 294.57 Td (retrospective approach at either the beginning of the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 284.57 Td (earliest comparative period presented or as of the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 274.57 Td (beginning of the period of adoption. ) Tj ET Q q 0 0 0 rg BT 293.82 274.57 Td (The guidance also) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 264.57 Td (allows practical expedients related to adoption) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 254.57 Td (considerations for leases that commenced before the date) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 244.57 Td (of adoption. Early adoption is permitted.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.50 414.57 Td (January 1, 2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 414.57 Td (W) Tj ET Q q 0 0 0 rg BT 469.14 414.57 Td (e will adopt this) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 404.57 Td (update using the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 394.57 Td (modified retrospective) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 384.57 Td (transition option that) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 374.57 Td (allows for application) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 364.57 Td (of the guidance at the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 354.57 Td (beginning of the period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 344.57 Td (of adoption. ) Tj ET Q q 0 0 0 rg BT 513.64 344.57 Td (The) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 334.57 Td (adoption of this update) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 324.57 Td (on January 1, 2019 will) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 314.57 Td (result in the recognition) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 304.57 Td (of a lease liability of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 294.57 Td (approximately $125) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 284.57 Td (million with a) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 274.57 Td (corresponding right-of-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 264.57 Td (use asset, less an) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 254.57 Td (immaterial cumulative-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 244.57 Td (ef) Tj ET Q q 0 0 0 rg BT 468.09 244.57 Td (fect decrease to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 234.57 Td (retained earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 224.57 Td (related to our operating) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 214.57 Td (leases. ) Tj ET Q q 0 0 0 rg BT 491.70 214.57 Td (W) Tj ET Q q 0 0 0 rg BT 500.33 214.57 Td (e will elect to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 204.57 Td (apply the package of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 194.57 Td (practical expedients) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 184.57 Td (available to leases that) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 174.57 Td (commenced prior to the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 164.57 Td (date of adoption. ) Tj ET Q q 0 0 0 rg BT 532.80 164.57 Td (W) Tj ET Q q 0 0 0 rg BT 541.44 164.57 Td (e) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 154.57 Td (do not expect this) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 144.57 Td (update to have an) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 134.57 Td (impact to our results of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 124.57 Td (operations but it will) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 114.57 Td (expand our disclosures.) Tj ET Q endstream endobj 247 0 obj <> endobj 248 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 1 - Significant ) Tj ET Q q 0 0 0 rg BT 133.89 712.75 Td (Accounting Policies - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 33.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 33.60 Td (19) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 671 m 138 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 142 671 m 380 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384 671 m 454 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458 671 m 560 671 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 675.67 Td (ASC) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 675.67 Td (Description) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.50 685.67 Td (Date of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.50 675.67 Td (Adoption) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 685.67 Td (Ef) Tj ET Q q 0 0 0 rg BT 469.76 685.67 Td (fect on Financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 675.67 Td (Statements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 661.57 Td (ASC 326 "Financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 651.57 Td (Instruments - Credit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 641.57 Td (Losses") Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 661.57 Td (This update amends the guidance on the impairment of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 651.57 Td (financial instruments. ) Tj ET Q q 0 0 0 rg BT 236.06 651.57 Td (The update adds an impairment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 641.57 Td (model known as the current expected credit loss model) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 631.57 Td (that is based on expected losses rather than incurred) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 621.57 Td (losses and will generally result in earlier recognition of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 611.57 Td (allowances for losses. ) Tj ET Q q 0 0 0 rg BT 236.89 611.57 Td (The current expected credit loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 601.57 Td (model applies to financial instruments such as mortgage) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 591.57 Td (loans, fixed maturity securities classified as held-to-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 581.57 Td (maturity) Tj ET Q q 0 0 0 rg BT 178.06 581.57 Td (, and certain receivables. ) Tj ET Q q 0 0 0 rg BT 281.75 581.57 Td (The update also) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 571.57 Td (modifies the other) Tj ET Q q 0 0 0 rg BT 217.16 571.57 Td (-than-temporary impairment model) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 561.57 Td (used for available-for) Tj ET Q q 0 0 0 rg BT 230.47 561.57 Td (-sale fixed maturity securities such) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 551.57 Td (that credit losses are recognized as an allowance rather) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 541.57 Td (than as a reduction in the amortized cost of the security) Tj ET Q q 0 0 0 rg BT 365.21 541.57 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 531.57 Td (The reversal of previously recognized credit losses on) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 521.57 Td (available-for) Tj ET Q q 0 0 0 rg BT 195.48 521.57 Td (-sale fixed maturity securities is allowed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 511.57 Td (under specified circumstances. ) Tj ET Q q 0 0 0 rg BT 272.23 511.57 Td (Additional disclosures) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 501.57 Td (will also be required, including information used to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 491.57 Td (develop the allowance for losses. ) Tj ET Q q 0 0 0 rg BT 281.87 491.57 Td (The guidance is to be) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 481.57 Td (applied to most instruments in scope using a modified) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 471.57 Td (retrospective approach through a cumulative-ef) Tj ET Q q 0 0 0 rg BT 333.77 471.57 Td (fect) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 461.57 Td (adjustment to retained earnings as of the beginning of the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 451.57 Td (period of adoption. For available-for) Tj ET Q q 0 0 0 rg BT 293.24 451.57 Td (-sale fixed maturity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 441.57 Td (securities, the update is applied prospectively) Tj ET Q q 0 0 0 rg BT 325.79 441.57 Td (. Other) Tj ET Q q 0 0 0 rg BT 355.63 441.57 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 431.57 Td (than-temporary impairment losses recognized on) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 421.57 Td (available-for) Tj ET Q q 0 0 0 rg BT 195.48 421.57 Td (-sale fixed maturity securities prior to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 411.57 Td (adoption of the update cannot be reversed. Early) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 401.57 Td (adoption is permitted.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.50 661.57 Td (January 1, 2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 661.57 Td (W) Tj ET Q q 0 0 0 rg BT 469.54 661.57 Td (e have not yet) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 651.57 Td (determined the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 641.57 Td (expected impact on our) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 631.57 Td (financial position or) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 621.57 Td (results of operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 382.57 Td (ASC 350) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 372.57 Td ("Intangibles -) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 362.57 Td (Goodwill and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 352.57 Td (Other") Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 382.57 Td (This update eliminates the requirement to calculate the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 372.57 Td (implied fair value of goodwill \(the second step in the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 362.57 Td (current two-step test\) to measure a goodwill impairment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 352.57 Td (char) Tj ET Q q 0 0 0 rg BT 161.62 352.57 Td (ge. Instead, entities should perform the goodwill) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 342.57 Td (impairment test by comparing the fair value of a) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 332.57 Td (reporting unit with its carrying amount and recognize an) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 322.57 Td (impairment char) Tj ET Q q 0 0 0 rg BT 210.22 322.57 Td (ge for the excess of the carrying amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 312.57 Td (over the fair value, with the loss not to exceed the total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 302.57 Td (amount of goodwill allocated to that reporting unit. ) Tj ET Q q 0 0 0 rg BT 354.37 302.57 Td (The) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 292.57 Td (guidance is to be applied prospectively) Tj ET Q q 0 0 0 rg BT 299.96 292.57 Td (, with early) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 282.57 Td (adoption permitted for goodwill impairment tests) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 272.57 Td (performed on testing dates after January 1, 2017.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.50 382.57 Td (January 1, 2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 382.57 Td (The adoption of this) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 372.57 Td (update will not have a) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 362.57 Td (material ef) Tj ET Q q 0 0 0 rg BT 503.44 362.57 Td (fect on our) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 352.57 Td (financial position or) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 342.57 Td (results of operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 253.57 Td (ASC 715) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 243.57 Td ("Compensation -) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 233.57 Td (Retirement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 223.57 Td (Benefits") Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 253.57 Td (This update amends the defined benefit pension and other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 243.57 Td (postretirement benefit guidance by removing or) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 233.57 Td (clarifying certain existing disclosures requirements, while) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 223.57 Td (also adding new disclosure requirements. Specifically) Tj ET Q q 0 0 0 rg BT 362.17 223.57 Td (,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 213.57 Td (this update removes the requirement to disclose the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 203.57 Td (ef) Tj ET Q q 0 0 0 rg BT 152.18 203.57 Td (fects of a one-percentage point change in the assumed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 193.57 Td (healthcare cost trend and the requirement to disclose) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 183.57 Td (amounts in accumulated other comprehensive income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 173.57 Td (expected to be recognized as part of net periodic benefit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 163.57 Td (cost of the next year) Tj ET Q q 0 0 0 rg BT 225.30 163.57 Td (. ) Tj ET Q q 0 0 0 rg BT 232.44 163.57 Td (This update adds a requirement to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 153.57 Td (describe the reasons for significant gains and losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 143.57 Td (related to changes in the benefit obligation for the period.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 133.57 Td (The update also clarifies that the projected benefit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 123.57 Td (obligation \(PBO\) and accumulated benefit obligation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 113.57 Td (\(ABO\) and fair value of plan assets are to be disclosed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 103.57 Td (for plans with PBOs or ) Tj ET Q q 0 0 0 rg BT 238.95 103.57 Td (ABOs in excess of plan assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 93.57 Td (The guidance is to be applied retrospectively and early) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 83.57 Td (adoption is permitted.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.50 253.57 Td (December 31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.50 243.57 Td (2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 253.57 Td (W) Tj ET Q q 0 0 0 rg BT 469.14 253.57 Td (e have not yet) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 243.57 Td (determined the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 233.57 Td (expected impact on our) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 223.57 Td (disclosures.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 213.57 Td () Tj ET Q endstream endobj 249 0 obj <> endobj 250 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 1 - Significant ) Tj ET Q q 0 0 0 rg BT 133.89 712.75 Td (Accounting Policies - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (120) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 670 m 138 670 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 142 670 m 380 670 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384 670 m 454 670 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458 670 m 560 670 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 674.67 Td (ASC) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 674.67 Td (Description) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.50 684.67 Td (Date of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.50 674.67 Td (Adoption) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 684.67 Td (Ef) Tj ET Q q 0 0 0 rg BT 469.76 684.67 Td (fect on Financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 674.67 Td (Statements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 660.57 Td (ASC 944 "Financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 650.57 Td (Services -) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 640.57 Td (Insurance") Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 660.57 Td (This update significantly amends the accounting and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 650.57 Td (disclosure requirements for long-duration insurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 640.57 Td (contracts. ) Tj ET Q q 0 0 0 rg BT 188.00 640.57 Td (These changes include a requirement to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 630.57 Td (review) Tj ET Q q 0 0 0 rg BT 171.38 630.57 Td (, and if necessary) Tj ET Q q 0 0 0 rg BT 240.15 630.57 Td (, update cash flow assumptions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 620.57 Td (used to measure the liability for future policy benefits for) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 610.57 Td (traditional and limited-payment contracts at least) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 600.57 Td (annually) Tj ET Q q 0 0 0 rg BT 178.61 600.57 Td (, with changes recognized in earnings. In) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 590.57 Td (addition, an entity will be required to update the discount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 580.57 Td (rate assumption at each reporting date using a yield that) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 570.57 Td (is reflective of an upper) Tj ET Q q 0 0 0 rg BT 239.36 570.57 Td (-medium grade fixed-income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 560.57 Td (instrument, with changes recognized in other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 550.57 Td (comprehensive income. ) Tj ET Q q 0 0 0 rg BT 244.38 550.57 Td (These changes result in the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 540.57 Td (elimination of the provision for risk of adverse deviation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 530.57 Td (and premium deficiency \(or loss recognition\) testing.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 520.57 Td (The update also requires that an entity measure all market) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 510.57 Td (risk benefits associated with deposit contracts at fair) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 500.57 Td (value, with changes recognized in earnings except for the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 490.57 Td (portion attributable to a change in the instrument-specific) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 480.57 Td (credit risk, which is to be recognized in other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 470.57 Td (comprehensive income. ) Tj ET Q q 0 0 0 rg BT 244.38 470.57 Td (This update also simplifies the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 460.57 Td (amortization of deferred acquisition costs by requiring) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 450.57 Td (amortization on a constant level basis over the expected) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 440.57 Td (term of the related contracts. Deferred acquisition costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 430.57 Td (are required to be written of) Tj ET Q q 0 0 0 rg BT 256.30 430.57 Td (f for unexpected contract) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 420.57 Td (terminations but are no longer subject to an impairment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 410.57 Td (test. Significant additional disclosures will also be) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 400.57 Td (required, which include disaggregated rollforwards of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 390.57 Td (certain liability balances and the disclosure of qualitative) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 380.57 Td (and quantitative information about expected cash flows,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 370.57 Td (estimates, and assumptions. ) Tj ET Q q 0 0 0 rg BT 260.51 370.57 Td (The application of this) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 360.57 Td (guidance will vary based upon the specific requirements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 350.57 Td (of the update but will generally result in either a modified) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 340.57 Td (retrospective or full retrospective approach with changes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 330.57 Td (applied as of the beginning of the earliest period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 320.57 Td (presented. Early adoption is permitted.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.50 660.57 Td (January 1, 2021) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 660.57 Td (W) Tj ET Q q 0 0 0 rg BT 469.14 660.57 Td (e have not yet) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 650.57 Td (determined the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 640.57 Td (expected impact on our) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 630.57 Td (financial position or) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 620.57 Td (results of operations.) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 251 0 obj <> endobj 252 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 2 - Fair) Tj ET Q q 0 0 0 rg BT 103.96 712.75 Td ( ) Tj ET Q q 0 0 0 rg BT 106.28 712.75 Td (V) Tj ET Q q 0 0 0 rg BT 112.59 712.75 Td (alues of Financial Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (121) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 690.75 Td (Fair V) Tj ET Q q 0 0 0 rg BT 75.90 690.75 Td (alue Measurements for Financial Instruments Carried at Fair V) Tj ET Q q 0 0 0 rg BT 340.40 690.75 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 666.75 Td (e report fixed maturity securities, which are classified as available-for) Tj ET Q q 0 0 0 rg BT 337.26 666.75 Td (-sale securities, derivative financial instruments, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.75 Td (unrestricted equity securities at fair value in our consolidated balance sheets. ) Tj ET Q q 0 0 0 rg BT 361.15 654.75 Td (W) Tj ET Q q 0 0 0 rg BT 369.79 654.75 Td (e report our investments in private equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.75 Td (partnerships at our share of the partnerships' net asset value per share or its equivalent \(NA) Tj ET Q q 0 0 0 rg BT 411.84 642.75 Td (V\) as a practical expedient for fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.75 Td (value. See Note 1.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 606.75 Td (The degree of judgment utilized in measuring the fair value of financial instruments generally correlates to the level of pricing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 594.75 Td (observability) Tj ET Q q 0 0 0 rg BT 101.06 594.75 Td (. Financial instruments with readily available active quoted prices or for which fair value can be measured from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.75 Td (actively quoted prices in active markets generally have more pricing observability and less judgment utilized in measuring fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 570.75 Td (value. ) Tj ET Q q 0 0 0 rg BT 78.10 570.75 Td (An active market for a financial instrument is a market in which transactions for an asset or a similar asset occur with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 558.75 Td (suf) Tj ET Q q 0 0 0 rg BT 61.54 558.75 Td (ficient frequency and volume to provide pricing information on an ongoing basis. ) Tj ET Q q 0 0 0 rg BT 392.02 558.75 Td (A) Tj ET Q q 0 0 0 rg BT 398.69 558.75 Td ( quoted price in an active market provides ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.75 Td (the most reliable evidence of fair value and should be used to measure fair value whenever available. Conversely) Tj ET Q q 0 0 0 rg BT 503.40 546.75 Td (, financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.75 Td (instruments rarely traded or not quoted have less observability and are measured at fair value using valuation techniques that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.75 Td (require more judgment. Pricing observability is generally impacted by a number of factors, including the type of financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.75 Td (instrument, whether the financial instrument is new to the market and not yet established, the characteristics specific to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 498.75 Td (transaction, and overall market conditions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 474.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 474.75 Td (e classify financial instruments in accordance with a fair value hierarchy consisting of three levels based on the observability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 462.75 Td (of valuation inputs:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 438.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 438.75 Td (Level 1 - the highest category of the fair value hierarchy classification wherein inputs are unadjusted and represent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 426.75 Td (quoted prices in active markets for identical assets or liabilities at the measurement date.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 402.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 402.75 Td (Level 2 - valued using inputs \(other than prices included in Level 1\) that are either directly or indirectly observable for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 390.75 Td (the asset or liability through correlation with market data at the measurement date and for the duration of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 378.75 Td (instrument's anticipated life.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 354.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 354.75 Td (Level 3 - the lowest category of the fair value hierarchy and reflects the judgment of management regarding what ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 342.75 Td (market participants would use in pricing assets or liabilities at the measurement date. Financial assets and liabilities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 330.75 Td (categorized as Level 3 are generally those that are valued using unobservable inputs to extrapolate an estimated fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 318.75 Td (value.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 294.75 Td (V) Tj ET Q q 0 0 0 rg BT 55.06 294.75 Td (aluation Methodologies of Financial Instruments Measured at Fair V) Tj ET Q q 0 0 0 rg BT 341.79 294.75 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 270.75 Td (V) Tj ET Q q 0 0 0 rg BT 55.61 270.75 Td (aluation techniques used for assets and liabilities accounted for at fair value are generally categorized into three types. ) Tj ET Q q 0 0 0 rg BT 532.46 270.75 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 258.75 Td (market approach uses prices and other relevant information from market transactions involving identical or comparable assets or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 246.75 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 94.04 246.75 Td (The income approach converts future amounts, such as cash flows or earnings, to a single present amount, or a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 234.75 Td (discounted amount. ) Tj ET Q q 0 0 0 rg BT 132.64 234.75 Td (The cost approach is based upon the amount that currently would be required to replace the service capacity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 222.75 Td (of an asset, or the current replacement cost.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 198.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 198.75 Td (e use valuation techniques that are appropriate in the circumstances and for which suf) Tj ET Q q 0 0 0 rg BT 400.33 198.75 Td (ficient data are available that can be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 186.75 Td (obtained without undue cost and ef) Tj ET Q q 0 0 0 rg BT 189.56 186.75 Td (fort. In some cases, a single valuation technique will be appropriate \(for example, when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 174.75 Td (valuing an asset or liability using quoted prices in an active market for identical assets or liabilities\). In other cases, multiple ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 162.75 Td (valuation techniques will be appropriate. If we use multiple valuation techniques to measure fair value, we evaluate and weigh ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 150.75 Td (the results, as appropriate, considering the reasonableness of the range indicated by those results. ) Tj ET Q q 0 0 0 rg BT 441.60 150.75 Td (A) Tj ET Q q 0 0 0 rg BT 448.27 150.75 Td ( fair value measurement is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 138.75 Td (the point within that range that is most representative of fair value in the circumstances.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 114.75 Td (The selection of the valuation method\(s\) to apply considers the definition of an exit price and depends on the nature of the asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 102.75 Td (or liability being valued. For assets and liabilities accounted for at fair value, we generally use valuation techniques consistent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 90.75 Td (with the market approach, and to a lesser extent, the income approach. ) Tj ET Q q 0 0 0 rg BT 335.88 90.75 Td (W) Tj ET Q q 0 0 0 rg BT 344.51 90.75 Td (e believe the market approach provides more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 78.75 Td (observable data than the income approach, considering the type of investments we hold. Our fair value measurements could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 66.75 Td (dif) Tj ET Q q 0 0 0 rg BT 60.43 66.75 Td (fer significantly based on the valuation technique and available inputs. ) Tj ET Q q 0 0 0 rg BT 347.38 66.75 Td (When using a pricing service, we obtain the vendor's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 54.75 Td (pricing documentation to ensure we understand their methodologies. ) Tj ET Q q 0 0 0 rg BT 328.69 54.75 Td (W) Tj ET Q q 0 0 0 rg BT 337.33 54.75 Td (e periodically review and approve the selection of our ) Tj ET Q endstream endobj 253 0 obj <> endobj 254 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 2 - Fair) Tj ET Q q 0 0 0 rg BT 103.96 712.75 Td ( ) Tj ET Q q 0 0 0 rg BT 106.28 712.75 Td (V) Tj ET Q q 0 0 0 rg BT 112.59 712.75 Td (alues of Financial Instruments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (122) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (pricing vendors to ensure we are in agreement with their current methodologies. ) Tj ET Q q 0 0 0 rg BT 374.77 690.60 Td (When markets are less active, brokers may rely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (more on models with inputs based on the information available only to the broker) Tj ET Q q 0 0 0 rg BT 375.27 678.60 Td (. Our internal investment management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.60 Td (professionals, which include portfolio managers and analysts, monitor securities priced by brokers and evaluate their prices for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.60 Td (reasonableness based on benchmarking to available primary and secondary market information. In weighing a broker quote as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.60 Td (an input to fair value, we place less reliance on quotes that do not reflect the result of market transactions. ) Tj ET Q q 0 0 0 rg BT 477.22 642.60 Td (W) Tj ET Q q 0 0 0 rg BT 485.86 642.60 Td (e also consider the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.60 Td (nature of the quote, particularly whether the quote is a binding of) Tj ET Q q 0 0 0 rg BT 309.79 630.60 Td (fer) Tj ET Q q 0 0 0 rg BT 320.34 630.60 Td (. If prices in an inactive market do not reflect current prices ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.60 Td (for the same or similar assets, adjustments may be necessary to arrive at fair value. ) Tj ET Q q 0 0 0 rg BT 385.32 618.60 Td (When relevant market data is unavailable, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 606.60 Td (which may be the case during periods of market uncertainty) Tj ET Q q 0 0 0 rg BT 288.49 606.60 Td (, the income approach can, in suitable circumstances, provide a more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 594.60 Td (appropriate fair value. During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.89 594.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.89 594.60 Td (, we have applied valuation approaches and techniques on a consistent basis to similar assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.60 Td (and liabilities and consistent with those approaches and techniques used at year end ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.35 582.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.35 582.60 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 558.60 Td (Fixed Maturity and Equity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 534.60 Td (e use observable and unobservable inputs in measuring the fair value of our fixed maturity and equity securities. For securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.60 Td (categorized as Level 1, fair values equal active ) Tj ET Q q 0 0 0 rg BT 238.94 522.60 Td (T) Tj ET Q q 0 0 0 rg BT 244.70 522.60 Td (rade Reporting and Compliance Engine \(TRACE\) pricing or unadjusted broker ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.60 Td (market maker prices. For securities categorized as Level 2 or Level 3, inputs that may be usedin valuing each class of securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 498.60 Td (at any given time period are disclosed below) Tj ET Q q 0 0 0 rg BT 227.41 498.60 Td (. ) Tj ET Q q 0 0 0 rg BT 234.35 498.60 Td (Actual inputs used to determine fair values will vary for each reporting period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 486.60 Td (depending on the availability of inputs which may) Tj ET Q q 0 0 0 rg BT 249.64 486.60 Td (, at times, be af) Tj ET Q q 0 0 0 rg BT 310.55 486.60 Td (fected by the lack of market liquidity) Tj ET Q q 0 0 0 rg BT 458.18 486.60 Td (. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 436.10 316.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 436.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 436.10 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 408.10 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 408.10 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 408.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 408.10 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 408.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 408.10 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 370.10 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 370.10 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 370.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 370.10 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 370.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 370.10 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 342.10 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 342.10 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 342.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 342.10 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 342.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 342.10 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 314.10 9.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 314.10 95.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 314.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 314.10 208.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 314.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 314.10 197.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 266.10 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 266.10 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 266.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 266.10 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 266.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 266.10 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 238.10 316.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 238.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 238.10 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 210.10 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 210.10 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 210.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 210.10 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 210.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 210.10 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 172.10 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 172.10 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 172.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 172.10 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 172.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 172.10 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 144.10 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 144.10 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 144.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 144.10 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 144.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 144.10 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 116.10 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 116.10 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 116.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 116.10 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 116.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 116.10 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 88.10 9.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 88.10 95.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 88.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 88.10 208.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 88.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 88.10 197.00 -24.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 440.1 m 58.25 440.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 58.25 440.1 m 153.25 440.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 157.25 440.1 m 365.25 440.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.25 440.1 m 566.25 440.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.60 454.72 Td (Level 2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.10 454.72 Td (Level 3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.05 442.72 Td (Instrument) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.20 442.72 Td (Observable Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.70 442.72 Td (Unobservable Inputs) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 426.83 Td (United States Government and Government ) Tj ET Q q 0 0 0 rg BT 242.29 426.83 Td (Agencies and ) Tj ET Q q 0 0 0 rg BT 300.63 426.83 Td (Authorities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 412.67 Td (V) Tj ET Q q 0 0 0 rg BT 67.42 412.67 Td (aluation Method) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 412.67 Td (Principally the market approach) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 412.67 Td (Not applicable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 384.67 Td (V) Tj ET Q q 0 0 0 rg BT 67.42 384.67 Td (aluation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 374.67 Td (T) Tj ET Q q 0 0 0 rg BT 66.51 374.67 Td (echniques / Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 384.67 Td (Prices obtained from external pricing services) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 346.83 Td (States, Municipalities, and Political Subdivisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 332.67 Td (V) Tj ET Q q 0 0 0 rg BT 67.42 332.67 Td (aluation Method) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 332.67 Td (Principally the market approach) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 332.67 Td (Principally the market approach) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 304.67 Td (V) Tj ET Q q 0 0 0 rg BT 67.42 304.67 Td (aluation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 294.67 Td (T) Tj ET Q q 0 0 0 rg BT 66.51 294.67 Td (echniques / Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 304.67 Td (Prices obtained from external pricing services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 304.67 Td (Analysis of similar bonds, adjusted for) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 294.67 Td (comparability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 280.67 Td (Relevant reports issued by analysts and rating) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 270.67 Td (agencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 280.67 Td (Non-binding broker quotes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 256.67 Td (Audited financial statements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 256.67 Td (Security and issuer level spreads) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 228.83 Td (For) Tj ET Q q 0 0 0 rg BT 67.21 228.83 Td (eign Governments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 214.67 Td (V) Tj ET Q q 0 0 0 rg BT 67.42 214.67 Td (aluation Method) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 214.67 Td (Principally the market approach) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 214.67 Td (Principally the market approach) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 186.67 Td (V) Tj ET Q q 0 0 0 rg BT 67.42 186.67 Td (aluation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 176.67 Td (T) Tj ET Q q 0 0 0 rg BT 66.51 176.67 Td (echniques / Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 186.67 Td (Prices obtained from external pricing services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 186.67 Td (Analysis of similar bonds, adjusted for) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 176.67 Td (comparability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 162.67 Td (Non-binding broker quotes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 162.67 Td (Non-binding broker quotes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 148.67 Td (Call provisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 148.67 Td (Security and issuer level spreads) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 120.83 Td (Public Utilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 106.67 Td (V) Tj ET Q q 0 0 0 rg BT 67.42 106.67 Td (aluation Method) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 106.67 Td (Principally the market and income approaches) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 106.67 Td (Principally the market and income approaches) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 78.67 Td (V) Tj ET Q q 0 0 0 rg BT 67.42 78.67 Td (aluation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 68.67 Td (T) Tj ET Q q 0 0 0 rg BT 66.51 68.67 Td (echniques / Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 78.67 Td (TRACE pricing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 78.67 Td (Change in benchmark reference) Tj ET Q endstream endobj 255 0 obj <> endobj 256 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 2 - Fair) Tj ET Q q 0 0 0 rg BT 103.96 712.75 Td ( ) Tj ET Q q 0 0 0 rg BT 106.28 712.75 Td (V) Tj ET Q q 0 0 0 rg BT 112.59 712.75 Td (alues of Financial Instruments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (123) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 673 m 58.25 673 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 58.25 673 m 153.25 673 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 157.25 673 m 365.25 673 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.25 673 m 566.25 673 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.60 687.62 Td (Level 2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.10 687.62 Td (Level 3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.05 675.62 Td (Instrument) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.20 675.62 Td (Observable Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.70 675.62 Td (Unobservable Inputs) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 669.00 316.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 669.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 669.00 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 631.00 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 631.00 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 631.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 631.00 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 631.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 631.00 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 603.00 9.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 603.00 95.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 603.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 603.00 208.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 603.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 603.00 197.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 565.00 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 565.00 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 565.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 565.00 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 565.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 565.00 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 537.00 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 537.00 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 537.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 537.00 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 537.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 537.00 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 499.00 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 499.00 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 499.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 499.00 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 499.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 499.00 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 471.00 9.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 471.00 95.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 471.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 471.00 208.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 471.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 471.00 197.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 433.00 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 433.00 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 433.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 433.00 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 433.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 433.00 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 405.00 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 405.00 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 405.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 405.00 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 405.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 405.00 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 377.00 9.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 377.00 95.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 377.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 377.00 208.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 377.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 377.00 197.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 338.00 9.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 338.00 95.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 338.00 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 338.00 208.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 338.00 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 338.00 197.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 308.00 9.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 308.00 95.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 308.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 308.00 208.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 308.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 308.00 197.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 260.00 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 260.00 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 260.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 260.00 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 260.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 260.00 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 232.00 316.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 232.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 232.00 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 204.00 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 204.00 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 204.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 204.00 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 204.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 204.00 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 166.00 9.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 166.00 95.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 166.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 166.00 208.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 166.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 166.00 197.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 128.00 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 128.00 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 128.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 128.00 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 128.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 128.00 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 90.00 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 90.00 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 90.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 90.00 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 90.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 90.00 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 62.00 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 62.00 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 62.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 62.00 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 62.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 62.00 197.00 -14.00 re f /GS0 gs BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 659.73 Td (Public Utilities - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 645.57 Td (Prices obtained from external pricing services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 645.57 Td (Analysis of similar bonds, adjusted for) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 635.57 Td (comparability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 621.57 Td (Non-binding broker quotes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 621.57 Td (Discount for size - illiquidity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 607.57 Td (Benchmark yields) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 607.57 Td (Non-binding broker quotes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 593.57 Td (T) Tj ET Q q 0 0 0 rg BT 165.68 593.57 Td (ransactional data for new issuances and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 583.57 Td (secondary trades) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 593.57 Td (Lack of marketability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 569.57 Td (Security cash flows and structures) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 569.57 Td (Security and issuer level spreads) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 555.57 Td (Recent issuance / supply) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 555.57 Td (V) Tj ET Q q 0 0 0 rg BT 378.33 555.57 Td (olatility of credit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 541.57 Td (Matrix pricing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 541.57 Td (Matrix pricing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 527.57 Td (Security and issuer level spreads) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 513.57 Td (Security creditor ratings/maturity/capital) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 503.57 Td (structure/optionality) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 489.57 Td (Public covenants) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 475.57 Td (Comparative bond analysis) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 461.57 Td (Relevant reports issued by analysts and rating) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 451.57 Td (agencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 437.57 Td (Audited financial statements) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 409.73 Td (Mortgage/Asset-Backed Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 395.57 Td (V) Tj ET Q q 0 0 0 rg BT 67.42 395.57 Td (aluation Method) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 395.57 Td (Principally the market and income approaches) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 395.57 Td (Principally the market approach) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 367.57 Td (V) Tj ET Q q 0 0 0 rg BT 67.42 367.57 Td (aluation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 357.57 Td (T) Tj ET Q q 0 0 0 rg BT 66.51 357.57 Td (echniques / Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 367.57 Td (Prices obtained from external pricing services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 367.57 Td (Analysis of similar bonds, adjusted for) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 357.57 Td (comparability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 343.57 Td (Non-binding broker quotes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 343.57 Td (Non-binding broker quotes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 328.57 Td (Security cash flows and structures) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 328.57 Td (Security and issuer level spreads) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 313.57 Td (Underlying collateral) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 298.57 Td (Prepayment speeds/loan performance/) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 288.57 Td (delinquencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 274.57 Td (Relevant reports issued by analysts and rating) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 264.57 Td (agencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 250.57 Td (Audited financial statements) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 222.73 Td (All Other) Tj ET Q q 0 0 0 rg BT 92.39 222.73 Td ( Corporate Bonds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 208.57 Td (V) Tj ET Q q 0 0 0 rg BT 67.42 208.57 Td (aluation Method) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 208.57 Td (Principally the market and income approaches) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 208.57 Td (Principally the market and income approaches) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 180.57 Td (V) Tj ET Q q 0 0 0 rg BT 67.42 180.57 Td (aluation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 170.57 Td (T) Tj ET Q q 0 0 0 rg BT 66.51 170.57 Td (echniques / Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 180.57 Td (TRACE pricing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 180.57 Td (Change in benchmark reference) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 156.57 Td (Prices obtained from external pricing services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 156.57 Td (Analysis of similar bonds, adjusted for) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 146.57 Td (comparability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 132.57 Td (Non-binding broker quotes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 132.57 Td (Discount for size - illiquidity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 118.57 Td (Benchmark yields) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 118.57 Td (Non-binding broker quotes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 104.57 Td (T) Tj ET Q q 0 0 0 rg BT 165.68 104.57 Td (ransactional data for new issuances and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 94.57 Td (secondary trades) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 104.57 Td (Lack of marketability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 80.57 Td (Security cash flows and structures) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 80.57 Td (Security and issuer level spreads) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 66.57 Td (Recent issuance / supply) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 66.57 Td (V) Tj ET Q q 0 0 0 rg BT 378.33 66.57 Td (olatility of credit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 52.57 Td (Matrix pricing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 52.57 Td (Matrix pricing) Tj ET Q endstream endobj 257 0 obj <> endobj 258 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 2 - Fair) Tj ET Q q 0 0 0 rg BT 103.96 712.75 Td ( ) Tj ET Q q 0 0 0 rg BT 106.28 712.75 Td (V) Tj ET Q q 0 0 0 rg BT 112.59 712.75 Td (alues of Financial Instruments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (124) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 672 m 58.25 672 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 58.25 672 m 153.25 672 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 157.25 672 m 365.25 672 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.25 672 m 566.25 672 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.60 686.62 Td (Level 2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.10 686.62 Td (Level 3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.05 674.62 Td (Instrument) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.20 674.62 Td (Observable Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.70 674.62 Td (Unobservable Inputs) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 668.00 316.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 668.00 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 668.00 197.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 642.00 9.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 642.00 95.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 642.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 642.00 208.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 642.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 642.00 197.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 604.00 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 604.00 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 604.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 604.00 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 604.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 604.00 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 576.00 9.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 576.00 95.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 576.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 576.00 208.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 576.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 576.00 197.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 538.00 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 538.00 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 538.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 538.00 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 538.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 538.00 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 510.00 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 510.00 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 510.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 510.00 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 510.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 510.00 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 482.00 9.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 482.00 95.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 482.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 482.00 208.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 482.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 482.00 197.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 444.00 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 444.00 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 444.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 444.00 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 444.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 444.00 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 416.00 9.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 416.00 95.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 416.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 416.00 208.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 416.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 416.00 197.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 378.00 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 378.00 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 378.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 378.00 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 378.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 378.00 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 350.00 9.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 350.00 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 350.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 350.00 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 350.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 350.00 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 322.00 9.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.25 322.00 95.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.25 322.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 322.00 208.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.25 322.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 322.00 197.00 -24.00 re f /GS0 gs BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 658.73 Td (All Other) Tj ET Q q 0 0 0 rg BT 92.48 658.73 Td ( Corporate Bonds - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 646.57 Td (Security and issuer level spreads) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 632.57 Td (Security creditor ratings/maturity/capital) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 622.57 Td (structure/optionality) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 608.57 Td (Public covenants) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 580.57 Td (Comparative bond analysis) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 566.57 Td (Relevant reports issued by analysts and rating) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 556.57 Td (agencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 542.57 Td (Audited financial statements) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 514.73 Td (Redeemable Pr) Tj ET Q q 0 0 0 rg BT 116.91 514.73 Td (eferr) Tj ET Q q 0 0 0 rg BT 137.82 514.73 Td (ed Stocks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 500.57 Td (V) Tj ET Q q 0 0 0 rg BT 67.42 500.57 Td (aluation Method) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 500.57 Td (Principally the market approach) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 500.57 Td (Principally the market approach) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 472.57 Td (V) Tj ET Q q 0 0 0 rg BT 67.42 472.57 Td (aluation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 462.57 Td (T) Tj ET Q q 0 0 0 rg BT 66.51 462.57 Td (echniques / Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 472.57 Td (Non-binding broker quotes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 472.57 Td (Non-binding broker quotes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 448.57 Td (Benchmark yields) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 434.57 Td (Comparative bond analysis) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 420.57 Td (Call provisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 406.57 Td (Relevant reports issued by analysts and rating) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 396.57 Td (agencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 382.57 Td (Audited financial statements) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 354.73 Td (Equity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 340.57 Td (V) Tj ET Q q 0 0 0 rg BT 67.42 340.57 Td (aluation Method) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 340.57 Td (Principally the market approach) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 340.57 Td (Principally the market and income approaches) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 312.57 Td (V) Tj ET Q q 0 0 0 rg BT 67.42 312.57 Td (aluation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 302.57 Td (T) Tj ET Q q 0 0 0 rg BT 66.51 302.57 Td (echniques / Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 312.57 Td (Prices obtained from external pricing services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 312.57 Td (Financial statement analysis) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.75 288.57 Td (Non-binding broker quotes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.75 288.57 Td (Non-binding broker quotes) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 260.50 Td (The management of our investment portfolio includes establishing pricing policy and reviewing the reasonableness of sources ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 248.50 Td (and inputs used in developing pricing. ) Tj ET Q q 0 0 0 rg BT 207.07 248.50 Td (W) Tj ET Q q 0 0 0 rg BT 215.71 248.50 Td (e review all prices obtained to ensure they are consistent witha variety of observable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 236.50 Td (market inputs and toverify the validity ofa security'sprice. In the event we receive a vendor's market price that does not appear ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 224.50 Td (reasonable based on our market analysis, we may challenge the price and request further information about the assumptions and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 212.50 Td (methodologies used by the vendor to price the security) Tj ET Q q 0 0 0 rg BT 267.68 212.50 Td (. ) Tj ET Q q 0 0 0 rg BT 275.00 212.50 Td (W) Tj ET Q q 0 0 0 rg BT 283.64 212.50 Td (e may change the vendor price based on a better data source such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 200.50 Td (an actual trade. ) Tj ET Q q 0 0 0 rg BT 115.12 200.50 Td (W) Tj ET Q q 0 0 0 rg BT 123.75 200.50 Td (e also review all price changes from the prior month which fall outside a predetermined corridor) Tj ET Q q 0 0 0 rg BT 508.34 200.50 Td (. ) Tj ET Q q 0 0 0 rg BT 515.66 200.50 Td (The overall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 188.50 Td (valuation process for determining fair values may include adjustments to valuations obtained from our pricing sources when they ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 176.50 Td (do not represent a valid exit price. ) Tj ET Q q 0 0 0 rg BT 190.66 176.50 Td (These adjustments may be made when, in our judgment and considering our knowledge of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 164.50 Td (the financial conditions and industry in which the issuer operates, certain features of the financial instrument require that an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 152.50 Td (adjustment be made to the value originally obtained from our pricing sources. ) Tj ET Q q 0 0 0 rg BT 365.34 152.50 Td (These features may include the complexity of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 140.50 Td (financial instrument, the market in which the financial instrument is traded, counterparty credit risk, credit structure, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 128.50 Td (concentration, or liquidity) Tj ET Q q 0 0 0 rg BT 152.99 128.50 Td (. ) Tj ET Q q 0 0 0 rg BT 159.94 128.50 Td (Additionally) Tj ET Q q 0 0 0 rg BT 209.84 128.50 Td (, an adjustment to the price derived from a model typically reflects our judgment of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 116.50 Td (inputs that other participants in the market for the financial instrument being measured at fair value would consider in pricing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 104.50 Td (that same financial instrument. In the event an asset is sold, we test the validity of the fair value determined by our valuation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 92.50 Td (techniques by comparing the selling price to the fair value determined for the asset in the immediately preceding month end ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 80.50 Td (reporting period.) Tj ET Q endstream endobj 259 0 obj <> endobj 260 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 2 - Fair) Tj ET Q q 0 0 0 rg BT 103.96 712.75 Td ( ) Tj ET Q q 0 0 0 rg BT 106.28 712.75 Td (V) Tj ET Q q 0 0 0 rg BT 112.59 712.75 Td (alues of Financial Instruments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (125) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (Certain of our investments do not have readily determinable market prices and/or observable inputs or may at times be af) Tj ET Q q 0 0 0 rg BT 533.89 690.60 Td (fected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (by the lack of market liquidity) Tj ET Q q 0 0 0 rg BT 170.21 678.60 Td (. For these securities, we use internally prepared valuations combining matrix pricing with vendor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.60 Td (purchased software programs, including valuations based on estimates of future profitability) Tj ET Q q 0 0 0 rg BT 417.92 666.60 Td (, to estimate the fair value. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.60 Td (Additionally) Tj ET Q q 0 0 0 rg BT 99.40 654.60 Td (, we may obtain prices from independent third-party brokers to aid in establishing valuations for certain of these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.60 Td (securities. Key assumptions used by us to determine fair value for these securities include risk free interest rates, risk premiums, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.60 Td (performance of underlying collateral \(if any\), and other factors involving significant assumptions which may or may not reflect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.60 Td (those of an active market.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 594.60 Td (The parameters and inputs used to validate a price on a security may be adjusted for assumptions about risk and current market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.60 Td (conditions on a quarter to quarterbasis, as certain features may be more significant drivers of valuation at the time of pricing. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 570.60 Td (Changes to inputs in valuations are not changes to valuation methodologies; rather) Tj ET Q q 0 0 0 rg BT 379.30 570.60 Td (, the inputs are modified to reflect direct or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 558.60 Td (indirect impacts on asset classes from changes in market conditions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.60 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 534.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.58 534.60 Td (, approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.84 534.60 Td (1) Tj ET Q q 0 0 0 rg BT 210.47 534.60 Td (1.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.97 534.60 Td ( percent of our fixed maturity securities were valued using active trades from ) Tj ET Q q 0 0 0 rg BT 533.51 534.60 Td (TRACE ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.60 Td (pricing or broker market maker prices for which there was current market activity in that specific security \(comparable to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.60 Td (receiving one binding quote\). ) Tj ET Q q 0 0 0 rg BT 172.06 510.60 Td (The prices obtained were not adjusted, and the assets were classified as Level 1.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 486.60 Td (The remaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.59 486.60 Td (88.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.09 486.60 Td ( percent of our fixed maturity securities were valued based on non-binding quotes or other observable and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 474.60 Td (unobservable inputs, as discussed below:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 450.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 450.60 Td (75.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.00 450.60 Td ( percent of our fixed maturity securities were valued based on prices from pricing services that generally use ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 438.60 Td (observable inputs such as prices for securities or comparable securities in active markets in their valuation techniques. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 426.60 Td (These assets were classified as Level 2.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 402.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 402.60 Td (3.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.00 402.60 Td ( percent of our fixed maturity securities were valued based on one or more non-binding broker quotes, if validated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 390.60 Td (by observable market data, or on ) Tj ET Q q 0 0 0 rg BT 218.88 390.60 Td (TRACE prices for identical or similar assets absent current market activity) Tj ET Q q 0 0 0 rg BT 517.03 390.60 Td (. ) Tj ET Q q 0 0 0 rg BT 524.35 390.60 Td (When ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 378.60 Td (only one price is available, it is used if observable inputs and analysis confirms that it is appropriate. ) Tj ET Q q 0 0 0 rg BT 492.17 378.60 Td (These assets, for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 366.60 Td (which we were able to validate the price using other observable market data, were classified as Level 2.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 345.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 345.00 Td (9.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.00 345.00 Td ( percent of our fixed maturity securities were valued based on prices of comparable securities, matrix pricing, market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 333.00 Td (models, and/or internal models or were valued based on non-binding quotes with no other observable market data. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 321.00 Td (These assets were classified as either Level 2 or Level 3, with the categorization dependent on whether there was other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 309.00 Td (observable market data. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 285.00 Td (Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 261.00 Td (Fair values for derivatives other than embedded derivatives in modified coinsurance arrangements are based on market quotes or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 249.00 Td (pricing models and represent the net amount of cash we would have paid or received if the contracts had been settled or closed as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 237.00 Td (of the last day of the period. ) Tj ET Q q 0 0 0 rg BT 166.79 237.00 Td (W) Tj ET Q q 0 0 0 rg BT 175.42 237.00 Td (e analyze credit default swap spreads relative to the average credit spread embedded within the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 225.00 Td (LIBOR-setting syndicate in determining the ef) Tj ET Q q 0 0 0 rg BT 235.66 225.00 Td (fect of credit risk on our derivatives' fair values. If net counterparty credit risk for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 213.00 Td (a derivative asset is determined to be material and is not adequately reflected in the LIBOR-based fair value obtained from our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 201.00 Td (pricing sources, we adjust the valuations obtained from our pricing sources. For purposes of valuing net counterparty risk, we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 189.00 Td (measure the fair value of a group of financial assets and financial liabilities on the basis of the price that would be received to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 177.00 Td (sell a net long position or transfer a net short position for a particular risk exposure in an orderly transaction between market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 165.00 Td (participants at the measurement date under current market conditions. In regard to our own credit risk component, we adjust the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 153.00 Td (valuation of derivative liabilities wherein the counterparty is exposed to our credit risk when the LIBOR-based valuation of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 141.00 Td (derivatives obtained from pricing sources does not ef) Tj ET Q q 0 0 0 rg BT 261.76 141.00 Td (fectively include an adequate credit component for our own credit risk. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 119.00 Td (Fair values for our embedded derivative in a modified coinsurance arrangement are estimated using internal pricing models and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 107.00 Td (represent the hypothetical value of the duration mismatch of assets and liabilities, interest rate risk, and third party credit risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 95.00 Td (embedded in the modified coinsurance arrangement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 71.00 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 71.00 Td (e consider transactions in inactive markets to be less representative of fair value. ) Tj ET Q q 0 0 0 rg BT 384.78 71.00 Td (W) Tj ET Q q 0 0 0 rg BT 393.42 71.00 Td (e use all available observable inputs when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 59.00 Td (measuring fair value, but when significant unobservable inputs are used, we classify these assets or liabilities as Level 3.) Tj ET Q endstream endobj 261 0 obj <> endobj 262 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 2 - Fair) Tj ET Q q 0 0 0 rg BT 103.96 712.75 Td ( ) Tj ET Q q 0 0 0 rg BT 106.28 712.75 Td (V) Tj ET Q q 0 0 0 rg BT 112.59 712.75 Td (alues of Financial Instruments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (126) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 678.75 Td (Private Equity Partnerships) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.75 Td (Our private equity partnerships represent funds that are primarily invested in private credit, private equity) Tj ET Q q 0 0 0 rg BT 471.21 654.75 Td (, and real assets, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.75 Td (described below) Tj ET Q q 0 0 0 rg BT 114.10 642.75 Td (. Distributions received from the funds arise from income generated by the underlying investments as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.75 Td (the liquidation of the underlying investments. ) Tj ET Q q 0 0 0 rg BT 236.51 630.75 Td (There is generally not a public market for these investments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 606.75 Td (The following table presents additional information about our private equity partnerships as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.68 606.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.26 606.75 Td (, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 594.75 Td (commitments for additional investments which may or may not be funded:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 53.25 532.25 123.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 176.25 532.25 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.25 532.25 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.25 532.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.25 532.25 124.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.25 532.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 532.25 124.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 53.25 474.25 123.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 176.25 474.25 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.25 474.25 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.25 474.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.25 474.25 124.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.25 474.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 474.25 124.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 53.25 446.25 123.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 176.25 446.25 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.25 446.25 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.25 446.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.25 446.25 124.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.25 446.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 446.25 124.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 53.25 418.25 123.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 176.25 418.25 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.25 418.25 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.25 418.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.25 418.25 124.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.25 418.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 418.25 124.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 53.25 390.25 123.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 176.25 390.25 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.25 390.25 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.25 390.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.25 390.25 124.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.25 390.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 390.25 124.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 53.25 362.25 123.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 176.25 362.25 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.25 362.25 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.25 362.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.25 362.25 124.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.25 362.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 362.25 124.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 53.25 546.25 m 176.25 546.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.25 546.25 m 434.25 546.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.25 546.25 m 562.25 546.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.25 546.25 m 306.25 546.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.25 532.25 m 306.25 532.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.25 532.25 m 562.25 532.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.25 532.25 m 306.25 532.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.25 532.25 m 562.25 532.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.25 474.25 m 306.25 474.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.25 474.25 m 562.25 474.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.25 474.25 m 306.25 474.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.25 474.25 m 562.25 474.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.25 390.25 m 306.25 390.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.25 390.25 m 562.25 390.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.25 376.25 m 306.25 376.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.25 376.25 m 562.25 376.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.25 349.25 m 306.25 349.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.25 347.25 m 306.25 347.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.25 349.25 m 562.25 349.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.25 347.25 m 562.25 347.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.75 550.92 Td (Investment Category) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.15 550.92 Td (Fair ) Tj ET Q q 0 0 0 rg BT 248.67 550.92 Td (V) Tj ET Q q 0 0 0 rg BT 255.25 550.92 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.00 560.92 Td (Redemption ) Tj ET Q q 0 0 0 rg BT 384.29 560.92 Td (T) Tj ET Q q 0 0 0 rg BT 389.96 560.92 Td (erm /) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.70 550.92 Td (Redemption Notice) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 550.92 Td (Unfunded Commitments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.60 536.82 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.60 536.82 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.75 522.82 Td (Private Credit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.75 522.82 Td (\(a\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.75 522.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.90 522.82 Td (168.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.75 522.82 Td (Not redeemable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.75 522.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.90 522.82 Td (99.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.90 478.92 Td (25.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.75 508.82 Td (Initial 2 year lock on each) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.75 498.82 Td (new investment / Quarterly) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.75 488.82 Td (after 2 year lock with 90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.75 478.82 Td (days notice) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.90 478.92 Td (10.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.75 464.82 Td (T) Tj ET Q q 0 0 0 rg BT 61.51 464.82 Td (otal Private Credit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.90 464.82 Td (194.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.90 464.82 Td (109.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.75 436.82 Td (Private Equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.75 436.82 Td (\(b\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.90 436.82 Td (128.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.75 436.82 Td (Not redeemable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.90 436.82 Td (169.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.75 408.82 Td (Real ) Tj ET Q q 0 0 0 rg BT 76.30 408.82 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.75 408.82 Td (\(c\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.90 408.82 Td (131.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.75 408.82 Td (Not redeemable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.90 408.82 Td (106.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.90 394.82 Td (30.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.75 394.82 Td (Quarterly / 90 days notice) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.40 394.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.75 380.82 Td (T) Tj ET Q q 0 0 0 rg BT 61.16 380.82 Td (otal Real ) Tj ET Q q 0 0 0 rg BT 98.93 380.82 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.90 380.82 Td (161.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.90 380.82 Td (106.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 55.75 352.93 Td (T) Tj ET Q q 0 0 0 rg BT 61.50 352.93 Td (otal Partnerships) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.75 352.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.90 352.82 Td (483.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.75 352.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.90 352.82 Td (385.3) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 324.75 Td (\(a\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 85.50 324.75 Td (Private Cr) Tj ET Q q 0 0 0 rg BT 130.57 324.75 Td (edit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.68 324.75 Td ( - ) Tj ET Q q 0 0 0 rg BT 154.83 324.75 Td (The limited partnerships described in this category employ various investment strategies, generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 312.75 Td (providing direct lending or other forms of debt financing including first-lien, second-lien, mezzanine, and subordinated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 300.75 Td (loans. ) Tj ET Q q 0 0 0 rg BT 113.93 300.75 Td (The limited partnerships have credit exposure to corporates, physical assets, and/or financial assets within a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 288.75 Td (variety of industries \(including manufacturing, healthcare, ener) Tj ET Q q 0 0 0 rg BT 338.00 288.75 Td (gy) Tj ET Q q 0 0 0 rg BT 347.35 288.75 Td (, business services, technology) Tj ET Q q 0 0 0 rg BT 469.73 288.75 Td (, materials, and retail\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 276.75 Td (in North ) Tj ET Q q 0 0 0 rg BT 121.06 276.75 Td (America and, to a lesser extent, outside of North ) Tj ET Q q 0 0 0 rg BT 316.83 276.75 Td (America. ) Tj ET Q q 0 0 0 rg BT 358.21 276.75 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.65 276.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.23 276.75 Td (, the estimated remaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 264.75 Td (life of the investments that do not allow for redemptions is approximately 20 percent in the next 3 years, 46 percent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 252.75 Td (during the period from 3 to 5 years, 30 percent during the period from 5 to 10 years, and 4 percent after the period of 15 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 240.75 Td (years.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 216.75 Td (\(b\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 85.50 216.75 Td (Private Equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.00 216.75 Td ( - ) Tj ET Q q 0 0 0 rg BT 156.14 216.75 Td (The limited partnerships described in this category employ various strategies generally investing in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 204.75 Td (controlling or minority control equity positions directly in companies and/or assets across various industries \(including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 192.75 Td (manufacturing, healthcare, ener) Tj ET Q q 0 0 0 rg BT 211.92 192.75 Td (gy) Tj ET Q q 0 0 0 rg BT 221.27 192.75 Td (, business services, technology) Tj ET Q q 0 0 0 rg BT 343.65 192.75 Td (, materials, and retail\), primarily in private markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 180.75 Td (within North ) Tj ET Q q 0 0 0 rg BT 138.83 180.75 Td (America and, to a lesser extent, outside of North ) Tj ET Q q 0 0 0 rg BT 334.61 180.75 Td (America. ) Tj ET Q q 0 0 0 rg BT 375.98 180.75 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.43 180.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.01 180.75 Td (, the estimated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 168.75 Td (remaining life of the investments that do not allow for redemptions is approximately 40 percent in the next 3 years, 9 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 156.75 Td (percent during the period from 3 to 5 years, 49 percent during the period from 5 to 10 years, 1 percent during the period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 144.75 Td (from 10 to 15 years, and 1 percent after the period of 15 years. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 120.75 Td (\(c\) ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 85.50 120.75 Td (Real ) Tj ET Q q 0 0 0 rg BT 106.89 120.75 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.55 120.75 Td ( - ) Tj ET Q q 0 0 0 rg BT 141.70 120.75 Td (The limited partnerships described in this category employ various strategies, which include investing in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 108.75 Td (the equity and/or debt financing of physical assets, including infrastructure \(ener) Tj ET Q q 0 0 0 rg BT 407.72 108.75 Td (gy) Tj ET Q q 0 0 0 rg BT 417.07 108.75 Td (, power) Tj ET Q q 0 0 0 rg BT 446.66 108.75 Td (, water/wastewater) Tj ET Q q 0 0 0 rg BT 521.22 108.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 96.75 Td (communications\), transportation \(including airports, ports, toll roads, aircraft, railcars\) and real estate in North ) Tj ET Q q 0 0 0 rg BT 528.98 96.75 Td (America, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 84.75 Td (Europe, South ) Tj ET Q q 0 0 0 rg BT 144.67 84.75 Td (America, and ) Tj ET Q q 0 0 0 rg BT 200.48 84.75 Td (Asia. ) Tj ET Q q 0 0 0 rg BT 225.75 84.75 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.20 84.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.78 84.75 Td (, the estimated remaining life of the investments that do not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 72.75 Td (allow for redemptions is approximately 2 percent in the next 3 years, 19 percent during period from 3 to 5 years, 75 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 60.75 Td (percent during the period from 5 to 10 years, and 4 percent during the period from 10 to 15 years.) Tj ET Q endstream endobj 263 0 obj <> endobj 264 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 2 - Fair) Tj ET Q q 0 0 0 rg BT 103.96 712.75 Td ( ) Tj ET Q q 0 0 0 rg BT 106.28 712.75 Td (V) Tj ET Q q 0 0 0 rg BT 112.59 712.75 Td (alues of Financial Instruments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (127) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (The following tables present information about financial instruments measured at fair value on a recurring basis by fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (level, based on the observability of the inputs used:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 615.10 195.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.00 615.10 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.00 615.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.00 615.10 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.00 615.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.00 615.10 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.00 615.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.00 615.10 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 615.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 615.10 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 587.10 195.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.00 587.10 61.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.00 587.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.00 587.10 62.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.00 587.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.00 587.10 61.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.00 587.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.00 587.10 61.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 587.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 587.10 61.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 539.10 195.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.00 539.10 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.00 539.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.00 539.10 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.00 539.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.00 539.10 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.00 539.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.00 539.10 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 539.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 539.10 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 511.10 195.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.00 511.10 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.00 511.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.00 511.10 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.00 511.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.00 511.10 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.00 511.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.00 511.10 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 511.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 511.10 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 483.10 195.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.00 483.10 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.00 483.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.00 483.10 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.00 483.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.00 483.10 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.00 483.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.00 483.10 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 483.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 483.10 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 455.10 195.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.00 455.10 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0 0 rg BT 420.65 347.67 Td (4.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 347.67 Td (483.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 347.67 Td (543.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 333.67 Td (T) Tj ET Q q 0 0 0 rg BT 58.26 333.67 Td (otal Financial Instrument ) Tj ET Q q 0 0 0 rg BT 160.67 333.67 Td (Assets Carried at) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 323.67 Td (Fair ) Tj ET Q q 0 0 0 rg BT 71.02 323.67 Td (V) Tj ET Q q 0 0 0 rg BT 77.60 323.67 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.50 323.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.15 323.77 Td (5,031.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.50 323.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.15 323.77 Td (36,402.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.50 323.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.15 323.77 Td (1,637.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.50 323.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 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rg BT 366.70 686.67 Td (December 31, 2017) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 672.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.85 672.57 Td (Level 1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.85 672.57 Td (Level 2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.85 672.57 Td (Level 3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.90 672.57 Td (NA) Tj ET Q q 0 0 0 rg BT 474.70 672.57 Td (V) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.75 672.57 Td (T) Tj ET Q q 0 0 0 rg BT 531.51 672.57 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.85 657.67 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 643.73 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 630.62 Td (Fixed Maturity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 618.57 Td (United States Government and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 608.57 Td (Government ) Tj ET Q q 0 0 0 rg BT 122.71 608.57 Td (Agencies and ) Tj ET Q q 0 0 0 rg BT 178.80 608.57 Td (Authorities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.50 609.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.65 609.67 Td (460.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.50 609.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.15 609.67 Td (1,022.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.50 609.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 609.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.50 609.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.15 609.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.50 609.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 609.67 Td (1,482.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 594.67 Td (States, Municipalities, and Political) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 584.67 Td (Subdivisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.15 584.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.15 584.67 Td (2,336.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 584.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.15 584.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 584.67 Td (2,336.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 570.57 Td (Foreign Governments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.15 570.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.65 570.57 Td (863.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 570.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.15 570.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 570.57 Td (863.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 557.57 Td (Public Utilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.65 557.57 Td (154.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.15 557.57 Td (7,874.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.65 557.57 Td (207.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.15 557.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 557.57 Td (8,236.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 544.57 Td (Mortgage/Asset-Backed Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.15 544.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.15 544.57 Td (1,973.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 544.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.15 544.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 544.57 Td (1,973.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 531.57 Td (All Other Corporate Bonds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.15 531.57 Td (3,556.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.15 531.57 Td (25,816.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.15 531.57 Td (1,150.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.15 531.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.15 531.57 Td (30,522.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 518.57 Td (Redeemable Preferred Stocks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.15 518.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.65 518.57 Td (19.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 518.57 Td (22.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.15 518.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 518.57 Td (42.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 505.57 Td (T) Tj ET Q q 0 0 0 rg BT 76.26 505.57 Td (otal Fixed Maturity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.15 505.57 Td (4,170.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.15 505.57 Td (39,906.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.15 505.57 Td (1,380.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.15 505.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.15 505.57 Td (45,457.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 479.57 Td (Other Long-term Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 466.57 Td (Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 453.57 Td (Foreign Exchange Contracts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.15 453.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.65 453.57 Td (19.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 453.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.15 453.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 453.57 Td (19.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 440.57 Td (Equity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.65 440.57 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.65 440.57 Td (10.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 440.57 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.15 440.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 440.57 Td (1) Tj ET Q q 0 0 0 rg BT 550.65 440.57 Td (1.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 427.57 Td (Private Equity Partnerships) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.15 427.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.15 427.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 427.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 427.57 Td (407.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 427.57 Td (407.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 414.57 Td (T) Tj ET Q q 0 0 0 rg BT 76.26 414.57 Td (otal Other Long-term Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.65 414.57 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.65 414.57 Td (29.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 414.57 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 414.57 Td (407.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 414.57 Td (438.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 401.57 Td (T) Tj ET Q q 0 0 0 rg BT 58.26 401.57 Td (otal Financial Instrument ) Tj ET Q q 0 0 0 rg BT 160.67 401.57 Td (Assets Carried at) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 391.57 Td (Fair ) Tj ET Q q 0 0 0 rg BT 71.02 391.57 Td (V) Tj ET Q q 0 0 0 rg BT 77.60 391.57 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.50 391.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.15 391.67 Td (4,170.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.50 391.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.15 391.67 Td (39,936.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.50 391.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.15 391.67 Td (1,381.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.50 391.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 391.67 Td (407.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.50 391.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.15 391.67 Td (45,896.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 364.73 Td (Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 351.57 Td (Other Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 338.57 Td (Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 325.57 Td (Interest Rate Swaps) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.50 325.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.15 325.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.50 325.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.65 325.57 Td (5.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.50 325.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 325.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.50 325.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.15 325.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.50 325.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 325.57 Td (5.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 312.57 Td (Foreign Exchange Contracts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.15 312.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.65 312.57 Td (46.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 312.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.15 312.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 312.57 Td (46.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 299.57 Td (Credit Default Swaps) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.15 299.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.65 299.57 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 299.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.15 299.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 299.57 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 286.57 Td (Embedded Derivative in Modified) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 276.57 Td (Coinsurance ) Tj ET Q q 0 0 0 rg BT 140.71 276.57 Td (Arrangement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.15 276.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.15 276.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 276.67 Td (15.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.15 276.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 276.67 Td (15.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 262.57 Td (T) Tj ET Q q 0 0 0 rg BT 93.91 262.57 Td (otal Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.15 262.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.65 262.57 Td (52.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 262.57 Td (15.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.15 262.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 262.57 Td (68.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 249.57 Td (T) Tj ET Q q 0 0 0 rg BT 57.91 249.57 Td (otal Financial Instrument Liabilities Carried) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 239.57 Td (at Fair ) Tj ET Q q 0 0 0 rg BT 80.64 239.57 Td (V) Tj ET Q q 0 0 0 rg BT 86.76 239.57 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.50 239.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.15 239.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.50 239.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.65 239.67 Td (52.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.50 239.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 239.67 Td (15.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.50 239.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.15 239.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.50 239.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 239.67 Td (68.1) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 267 0 obj <> endobj 268 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 2 - Fair) Tj ET Q q 0 0 0 rg BT 103.96 712.75 Td ( ) Tj ET Q q 0 0 0 rg BT 106.28 712.75 Td (V) Tj ET Q q 0 0 0 rg BT 112.59 712.75 Td (alues of Financial Instruments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (129) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (Changes in assets and liabilities measured 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0.9333333333333333 1 rg /GS0 gs 393.00 531.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 531.10 38.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 531.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 531.10 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.00 531.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.00 531.10 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.00 531.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 531.10 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 494.10 125.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 175.00 494.10 48.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 223.00 494.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.00 494.10 42.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.00 494.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.00 494.10 70.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 494.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 494.10 46.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.00 494.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 494.10 38.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 494.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 494.10 39.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.00 494.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.00 494.10 42.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.00 494.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 494.10 39.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 446.10 125.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 175.00 446.10 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 223.00 446.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.00 446.10 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.00 446.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.00 446.10 70.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 446.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 446.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.00 446.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 446.10 38.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 446.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 446.10 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.00 446.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.00 446.10 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.00 446.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 446.10 39.00 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gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.00 420.10 42.00 -33.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.00 420.10 4.00 -33.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 420.10 39.00 -33.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 175 653.1 m 223 653.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223 653.1 m 227 653.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227 653.1 m 269 653.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269 653.1 m 273 653.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273 653.1 m 343 653.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343 653.1 m 347 653.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347 653.1 m 393 653.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393 653.1 m 397 653.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397 653.1 m 435 653.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 653.1 m 439 653.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439 653.1 m 478 653.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 653.1 m 482 653.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482 653.1 m 524 653.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524 653.1 m 528 653.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528 653.1 m 567 653.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227 618.1 m 269 618.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269 618.1 m 273 618.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273 618.1 m 343 618.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439 604.1 m 478 604.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 604.1 m 482 604.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482 604.1 m 524 604.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 175 572.1 m 223 572.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227 572.1 m 269 572.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273 572.1 m 343 572.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347 572.1 m 393 572.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397 572.1 m 435 572.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439 572.1 m 478 572.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482 572.1 m 524 572.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528 572.1 m 567 572.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 175 557.1 m 223 557.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223 557.1 m 227 557.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227 557.1 m 269 557.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269 557.1 m 273 557.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273 557.1 m 343 557.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343 557.1 m 347 557.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347 557.1 m 393 557.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393 557.1 m 397 557.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397 557.1 m 435 557.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 557.1 m 439 557.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439 557.1 m 478 557.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 557.1 m 482 557.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482 557.1 m 524 557.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524 557.1 m 528 557.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528 557.1 m 567 557.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 175 470.1 m 223 470.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227 470.1 m 269 470.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273 470.1 m 343 470.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347 470.1 m 393 470.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397 470.1 m 435 470.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439 470.1 m 478 470.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482 470.1 m 524 470.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528 470.1 m 567 470.1 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 657.35 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.70 657.77 Td (Y) Tj ET Q q 0 0 0 rg BT 313.42 657.77 Td (ear Ended December 31, 2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 622.35 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.50 622.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.05 642.77 Td (T) Tj ET Q q 0 0 0 rg BT 252.46 642.77 Td (otal Realized and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.10 632.77 Td (Unrealized Investment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.75 622.77 Td (Gains\(Losses\)Includedin) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.50 622.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.50 622.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.50 622.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.50 622.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.50 622.77 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 608.35 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.90 596.77 Td (Fair ) Tj ET Q q 0 0 0 rg BT 196.33 596.77 Td (V) Tj ET Q q 0 0 0 rg BT 202.44 596.77 Td (alue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.65 586.77 Td (Beginning) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.05 576.77 Td (of ) Tj ET Q q 0 0 0 rg BT 194.51 576.77 Td (Y) Tj ET Q q 0 0 0 rg BT 200.73 576.77 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.70 576.77 Td (Earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.10 596.77 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.10 586.77 Td (Comprehensive) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.35 576.77 Td (Income or Loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.50 576.77 Td (Purchases) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.90 576.77 Td (Sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.00 608.67 Td (Level 3 ) Tj ET Q q 0 0 0 rg BT 478.67 608.67 Td (T) Tj ET Q q 0 0 0 rg BT 484.52 608.67 Td (ransfers) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.90 606.77 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10.00 Tf ET q 0 0 0 rg BT 275.50 534.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.30 534.72 Td (\(1.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.15 534.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.50 534.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.15 534.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.50 534.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.15 534.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.50 534.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.65 534.67 Td (32.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.50 534.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.15 534.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.50 534.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 534.67 Td (31.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 521.67 Td (Public Utilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.65 521.67 Td (207.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.15 521.67 Td 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rg BT 371.65 498.77 Td (95.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.30 498.82 Td (\(148.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.15 498.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.60 498.77 Td (968.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.30 498.82 Td (\(457.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.15 498.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.10 498.77 Td (1,495.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 484.67 Td (Redeemable Preferred) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 474.67 Td (Stocks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.65 474.77 Td (22.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.15 474.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.30 474.82 Td (\(1.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.15 474.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.15 474.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.15 474.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.15 474.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.15 474.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 474.77 Td (21.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 460.67 Td (T) Tj ET Q q 0 0 0 rg BT 93.91 460.67 Td (otal Fixed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 450.67 Td (Maturity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.10 450.77 Td (1,380.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.65 450.77 Td (5.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.30 450.82 Td (\(123.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.15 450.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.65 450.77 Td (95.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.30 450.82 Td (\(148.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.15 450.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.10 450.77 Td (1,040.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.30 450.82 Td (\(616.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.15 450.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.10 450.77 Td (1,633.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 423.67 Td (Equity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.65 423.67 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.15 423.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.15 423.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.65 423.67 Td (3.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.15 423.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.15 423.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.15 423.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 423.67 Td (4.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 410.67 Td (Embedded Derivative in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 400.67 Td (Modified Coinsurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 390.67 Td (Arrangement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.30 391.77 Td (\(15.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.15 391.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.30 391.77 Td (\(15.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.15 391.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.15 391.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.15 391.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.15 391.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.15 391.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.15 391.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 391.77 Td (\(31.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 391.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 259.10 125.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 175.00 259.10 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 223.00 259.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.00 259.10 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.00 259.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.00 259.10 70.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 259.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 259.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.00 259.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 259.10 38.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 259.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 259.10 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.00 259.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.00 259.10 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.00 259.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 259.10 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 214.10 125.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 175.00 214.10 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 223.00 214.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.00 214.10 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.00 214.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.00 214.10 70.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.00 214.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.00 214.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.00 214.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.00 214.10 38.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 214.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.00 214.10 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.00 214.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.00 214.10 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.00 214.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 214.10 39.00 -13.00 re f 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189.10 181.77 Td (1,459.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.30 181.77 Td (\(0.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.15 181.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.65 181.77 Td (2.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.65 181.77 Td (1) Tj ET Q q 0 0 0 rg BT 371.65 181.77 Td (18.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.30 181.82 Td (\(149.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.15 181.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.60 181.77 Td (524.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.30 181.82 Td (\(806.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.15 181.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.10 181.77 Td (1,150.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 167.67 Td (Redeemable Preferred) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 157.67 Td (Stocks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.65 157.77 Td (23.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.15 157.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.30 157.82 Td (\(0.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.15 157.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.15 157.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.15 157.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.15 157.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.15 157.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 157.77 Td (22.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 143.67 Td (T) Tj ET Q q 0 0 0 rg BT 93.91 143.67 Td (otal Fixed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 133.67 Td (Maturity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.10 133.77 Td (1,837.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.30 133.77 Td (\(0.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.15 133.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.65 133.77 Td (2.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.65 133.77 Td (126.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.30 133.82 Td (\(154.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.15 133.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.60 133.77 Td (649.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.80 133.82 Td (\(1,082.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.15 133.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.10 133.77 Td (1,380.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 107.67 Td (Equity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.65 107.67 Td (1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.15 107.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.15 107.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.15 107.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.15 107.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.15 107.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.30 107.72 Td (\(0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.15 107.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 107.67 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 94.67 Td (Embedded Derivative in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 84.67 Td (Modified Coinsurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 74.67 Td (Arrangement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.30 75.77 Td (\(46.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.15 75.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.65 75.77 Td (30.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.15 75.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.15 75.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.15 75.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.15 75.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.15 75.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 75.77 Td (\(15.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 75.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 269 0 obj <> endobj 270 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 2 - Fair) Tj ET Q q 0 0 0 rg BT 103.96 712.75 Td ( ) Tj ET Q q 0 0 0 rg BT 106.28 712.75 Td (V) Tj ET Q q 0 0 0 rg BT 112.59 712.75 Td (alues of Financial Instruments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (130) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (Realized and unrealized investment gains and losses presented in the preceding tables represent gains and losses only for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (time during which the applicable financial instruments were classified as Level 3. ) Tj ET Q q 0 0 0 rg BT 380.88 678.60 Td (The transfers between levels resulted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.60 Td (primarily from a change in observability of three inputs used to determine fair values of the securities transferred: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.60 Td (\(1\)transactional data for new issuance and secondary trades, \(2\)broker/dealer quotes and pricing, primarily related to changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.60 Td (the level of activity in the market and whether the market was considered orderly) Tj ET Q q 0 0 0 rg BT 373.45 642.60 Td (, and \(3\)comparable bond metrics from which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.60 Td (to perform an analysis. For fair value measurements of financial instruments that were transferred either into or out of Level 3, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.60 Td (we reflect the transfers using the fair value at the beginning of the period. ) Tj ET Q q 0 0 0 rg BT 348.10 618.60 Td (W) Tj ET Q q 0 0 0 rg BT 356.74 618.60 Td (e believe this allows for greater transparency) Tj ET Q q 0 0 0 rg BT 535.45 618.60 Td (, as all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 606.60 Td (changes in fair value that arise during the reporting period of the transfer are disclosed as a component of our Level 3 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 594.60 Td (reconciliation. Gains \(losses\) which are included in earnings and are attributable to the change in fair value of assets or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.60 Td (liabilities valued using significant unobservable inputs and still held at each year end were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.28 582.60 Td ($\(15.2\) million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.84 582.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.27 582.60 Td ($30.8 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.17 582.60 Td ( for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 570.60 Td (the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.19 570.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.78 570.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.21 570.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.21 570.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 284.88 570.60 Td (. ) Tj ET Q q 0 0 0 rg BT 292.20 570.60 Td (These amounts relate entirely to the change in fair value of an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 558.60 Td (embedded derivative in a modified coinsurance arrangement and are reported as a component of realized investment gains and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.60 Td (losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.60 Td (The table below provides quantitative information regarding the significant unobservable inputs used in Level 3 fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.60 Td (measurements derived from internal models. Certain securities classified as Level 3 are excluded from the table below due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 498.60 Td (limitations in our ability to obtain the underlying inputs used by external pricing sources.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 446.10 143.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 192.25 446.10 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.25 446.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.25 446.10 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.25 446.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.25 446.10 113.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.25 446.10 18.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.25 446.10 109.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 382.10 143.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 192.25 382.10 48.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.25 382.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.25 382.10 78.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.25 382.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.25 382.10 113.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.25 382.10 18.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.25 382.10 109.00 -24.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192.25 474.1 m 240.25 474.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.25 474.1 m 244.25 474.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.25 474.1 m 322.25 474.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.25 474.1 m 326.25 474.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.25 474.1 m 439.25 474.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.25 474.1 m 457.25 474.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.25 474.1 m 566.25 474.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192.25 460.1 m 240.25 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.25 474.1 m 322.25 474.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.25 460.1 m 322.25 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.25 460.1 m 439.25 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.25 460.1 m 566.25 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192.25 446.1 m 240.25 446.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.25 446.1 m 244.25 446.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.25 446.1 m 322.25 446.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.25 446.1 m 326.25 446.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.25 446.1 m 439.25 446.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.25 446.1 m 457.25 446.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.25 446.1 m 566.25 446.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.45 478.67 Td (December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.15 464.67 Td (Fair ) Tj ET Q q 0 0 0 rg BT 213.67 464.67 Td (V) Tj ET Q q 0 0 0 rg BT 220.25 464.67 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.75 464.67 Td (V) Tj ET Q q 0 0 0 rg BT 253.42 464.67 Td (aluation Method) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.65 464.67 Td (Unobservable Input) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 464.67 Td (Range/W) Tj ET Q q 0 0 0 rg BT 497.86 464.67 Td (eighted ) Tj ET Q q 0 0 0 rg BT 529.12 464.67 Td (A) Tj ET Q q 0 0 0 rg BT 535.70 464.67 Td (verage) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.60 450.67 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 436.67 Td (Fixed Maturity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.75 409.72 Td (All Other Corporate Bonds -) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.75 399.72 Td (Private) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.75 404.72 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.90 404.72 Td (148.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.75 404.72 Td (Market ) Tj ET Q q 0 0 0 rg BT 277.85 404.72 Td (Approach) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.75 414.72 Td (Lack of Marketability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.75 404.72 Td (V) Tj ET Q q 0 0 0 rg BT 335.33 404.72 Td (olatility of Credit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.75 394.72 Td (Market Convention) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.75 422.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.75 412.67 Td (\(b\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.75 402.67 Td (\(c\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.75 392.67 Td (\(d\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.75 422.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.75 412.67 Td (0.25% - 0.25% / 0.25%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.75 402.67 Td (0.25% - 10.99% / 1.0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.75 392.67 Td (Priced at Par) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 367.72 Td (Equity Securities - Private) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.90 367.72 Td (4.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.75 367.72 Td (Market ) Tj ET Q q 0 0 0 rg BT 277.85 367.72 Td (Approach) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.75 367.72 Td (Market Convention) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.75 367.72 Td (\(d\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.75 372.67 Td (Priced at Cost or Owner's) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.75 362.67 Td (Equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 348.22 Td (Embedded Derivative in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 338.22 Td (Modified Coinsurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 328.22 Td (Arrangement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.55 338.22 Td (\(31.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.40 338.22 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.75 343.22 Td (Discounted Cash) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.75 333.22 Td (Flows) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.75 343.22 Td (Projected Liability Cash) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.75 333.22 Td (Flows) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.75 348.67 Td (\(e\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.75 348.67 Td (Actuarial ) Tj ET Q q 0 0 0 rg BT 498.90 348.67 Td (Assumptions) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 271.10 143.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.00 271.10 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.00 271.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.00 271.10 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.00 271.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.00 271.10 113.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 271.10 18.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.00 271.10 109.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 201.10 143.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.00 201.10 48.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.00 201.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.00 201.10 78.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.00 201.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.00 201.10 113.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 201.10 18.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.00 201.10 109.00 -24.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193 299.1 m 241 299.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241 299.1 m 245 299.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245 299.1 m 323 299.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 299.1 m 327 299.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327 299.1 m 440 299.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440 299.1 m 458 299.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458 299.1 m 567 299.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193 285.1 m 241 285.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245 285.1 m 323 285.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327 285.1 m 440 285.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458 285.1 m 567 285.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193 271.1 m 241 271.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241 271.1 m 245 271.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245 271.1 m 323 271.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323 271.1 m 327 271.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327 271.1 m 440 271.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440 271.1 m 458 271.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458 271.1 m 567 271.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193 271.1 m 241 271.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327 271.1 m 440 271.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458 271.1 m 567 271.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.20 303.67 Td (December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.90 289.67 Td (Fair ) Tj ET Q q 0 0 0 rg BT 214.42 289.67 Td (V) Tj ET Q q 0 0 0 rg BT 221.00 289.67 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.50 289.67 Td (V) Tj ET Q q 0 0 0 rg BT 254.17 289.67 Td (aluation Method) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.40 289.67 Td (Unobservable Input) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.25 289.67 Td (Range/W) Tj ET Q q 0 0 0 rg BT 498.61 289.67 Td (eighted ) Tj ET Q q 0 0 0 rg BT 529.87 289.67 Td (A) Tj ET Q q 0 0 0 rg BT 536.45 289.67 Td (verage) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.35 275.67 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 261.67 Td (Fixed Maturity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 231.72 Td (All Other Corporate Bonds -) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 221.72 Td (Private) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.50 226.72 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.65 226.72 Td (244.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.50 226.72 Td (Market ) Tj ET Q q 0 0 0 rg BT 278.60 226.72 Td (Approach) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.50 247.67 Td (Comparability ) Tj ET Q q 0 0 0 rg BT 389.49 247.67 Td (Adjustment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.50 237.67 Td (Lack of Marketability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.50 227.67 Td (V) Tj ET Q q 0 0 0 rg BT 336.08 227.67 Td (olatility of Credit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.50 217.67 Td (Market Convention) Tj ET Q BT /F1 9.50 Tf ET q 0 0 0 rg BT 442.50 248.01 Td (\(a\)) Tj ET Q BT /F1 9.50 Tf ET q 0 0 0 rg BT 442.50 238.51 Td (\(b\)) Tj ET Q BT /F1 9.50 Tf ET q 0 0 0 rg BT 442.50 229.01 Td (\(c\)) Tj ET Q BT /F1 9.50 Tf ET q 0 0 0 rg BT 442.50 219.51 Td (\(d\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 247.67 Td (0.20% - 0.20% / 0.20%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 237.67 Td (0.25% - 0.25% / 0.25%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 227.67 Td (0.12% - 6.25% / 0.50%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 217.67 Td (Priced at Par) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 186.72 Td (Equity Securities - Private) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.65 186.72 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.50 186.72 Td (Market ) Tj ET Q q 0 0 0 rg BT 278.60 186.72 Td (Approach) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.50 186.72 Td (Market Convention) Tj ET Q BT /F1 9.50 Tf ET q 0 0 0 rg BT 442.50 186.86 Td (\(d\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 191.67 Td (Priced at Cost or Owner's) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 181.67 Td (Equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 166.77 Td (Embedded Derivative in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 156.77 Td (Modified Coinsurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 146.77 Td (Arrangement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.30 157.22 Td (\(15.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.15 157.22 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.50 162.22 Td (Discounted Cash) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.50 152.22 Td (Flows) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.50 162.22 Td (Projected Liability Cash) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.50 152.22 Td (Flows) Tj ET Q BT /F1 9.50 Tf ET q 0 0 0 rg BT 442.50 168.01 Td (\(e\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 167.67 Td (Actuarial ) Tj ET Q q 0 0 0 rg BT 499.65 167.67 Td (Assumptions) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 118.60 Td (\(a\) ) Tj ET Q BT /F1 9.50 Tf ET q 0 0 0 rg BT 85.50 118.60 Td (Represents basis point adjustments for changes in benchmark spreads associated with various industry sectors) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 106.60 Td (\(b\) ) Tj ET Q BT /F1 9.50 Tf ET q 0 0 0 rg BT 85.50 106.60 Td (Represents basis point adjustments to apply a discount due to the illiquidity of an investment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 94.60 Td (\(c\) ) Tj ET Q BT /F1 9.50 Tf ET q 0 0 0 rg BT 85.50 94.60 Td (Represents basis point adjustments for credit-specific factors) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 82.60 Td (\(d\) ) Tj ET Q BT /F1 9.50 Tf ET q 0 0 0 rg BT 85.50 82.60 Td (Represents a decision to price based on par value, cost, or owner's equity when limited data is available) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 70.60 Td (\(e\) ) Tj ET Q BT /F1 9.50 Tf ET q 0 0 0 rg BT 85.50 70.60 Td (Represents various actuarial assumptions required to derive the liability cash flows including incidence, termination, and lapse ) Tj ET Q BT /F1 9.50 Tf ET q 0 0 0 rg BT 85.50 59.20 Td (rates) Tj ET Q endstream endobj 271 0 obj <> endobj 272 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 2 - Fair) Tj ET Q q 0 0 0 rg BT 103.96 712.75 Td ( ) Tj ET Q q 0 0 0 rg BT 106.28 712.75 Td (V) Tj ET Q q 0 0 0 rg BT 112.59 712.75 Td (alues of Financial Instruments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (131) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (Isolated increases in unobservable inputs other than market convention will result in a lower fair value measurement, whereas ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (isolated decreases will result in a higher fair value measurement. ) Tj ET Q q 0 0 0 rg BT 313.11 678.60 Td (The unobservable input for market convention is not sensitive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.60 Td (to input movements. ) Tj ET Q q 0 0 0 rg BT 136.26 666.60 Td (The projected liability cash flows used in the fair value measurement of our Level 3 embedded derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.60 Td (are based on expected claim payments. If claim payments increase, the projected liability cash flows will increase, resulting in a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.60 Td (decrease in the fair value of the embedded derivative. Decreases in projected liability cash flows will result in an increase in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.60 Td (fair value of the embedded derivative.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 606.60 Td (Fair V) Tj ET Q q 0 0 0 rg BT 75.90 606.60 Td (alue Measurements for Financial Instruments Not Carried at Fair V) Tj ET Q q 0 0 0 rg BT 357.90 606.60 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.60 Td (The methods and assumptions used to estimate fair values of financial instruments not carried at fair value are discussed as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 570.60 Td (follows:) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 546.60 Td (Mortgage Loans:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.22 546.60 Td ( Fair values are estimated using discounted cash flow analyses and interest rates currently being of) Tj ET Q q 0 0 0 rg BT 513.08 546.60 Td (fered for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.60 Td (similar loans to borrowers with similar credit ratings and maturities. Loans with similar characteristics are aggregated for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.60 Td (purposes of the calculations. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 498.60 Td (Policy Loans:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.33 498.60 Td ( Fair values for policy loans, net of reinsurance ceded, are estimated using discounted cash flow analyses and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 486.60 Td (interest rates currently being of) Tj ET Q q 0 0 0 rg BT 174.27 486.60 Td (fered to policyholders with similar policies. Carrying amounts for ceded policy loans, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 474.60 Td (equal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.66 474.60 Td ($3,449.3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.05 474.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.49 474.60 Td ($3,307.5 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.88 474.60 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.04 474.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.62 474.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.06 474.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.06 474.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 420.72 474.60 Td (, approximate fair value and are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 462.60 Td (reported on a gross basis in our consolidated balance sheets. ) Tj ET Q q 0 0 0 rg BT 294.44 462.60 Td (A) Tj ET Q q 0 0 0 rg BT 301.11 462.60 Td ( change in interest rates for ceded policy loans will not impact our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 450.60 Td (financial position because the benefits and risks are fully ceded to reinsuring counterparties.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 426.60 Td (Miscellaneous Long-term Investments: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.52 426.60 Td (Carrying amounts for tax credit partnerships equal the unamortized balance of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.60 Td (contractual commitments and approximate fair value. Our shares of FHLB common stock are carried at cost, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 402.60 Td (approximates fair value. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 378.60 Td (Long-term Debt:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.99 378.60 Td ( Fair values for long-term debt are obtained from independent pricing services or discounted cash flow analyses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 366.60 Td (based on current incremental borrowing rates for similar types of borrowing arrangements. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 342.60 Td (FHLB Funding ) Tj ET Q q 0 0 0 rg BT 113.21 342.60 Td (Agr) Tj ET Q q 0 0 0 rg BT 127.83 342.60 Td (eements:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.37 342.60 Td ( Funding agreements with the FHLB represent cash advances used for the purpose of investing in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 330.60 Td (fixed maturity securities. Carrying amounts approximate fair value.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 306.60 Td (Unfunded Commitments to Investment Partnerships:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.03 306.60 Td ( Unfunded equity commitments represent amounts that we have committed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 294.60 Td (to fund certain investment partnerships. ) Tj ET Q q 0 0 0 rg BT 212.89 294.60 Td (These commitments are legally binding, subject to the partnerships meeting specified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 282.60 Td (conditions. Carrying amounts of these financial instruments approximate fair value.) Tj ET Q endstream endobj 273 0 obj <> endobj 274 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 2 - Fair) Tj ET Q q 0 0 0 rg BT 103.96 712.75 Td ( ) Tj ET Q q 0 0 0 rg BT 106.28 712.75 Td (V) Tj ET Q q 0 0 0 rg BT 112.59 712.75 Td (alues of Financial Instruments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (132) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (The following table presents the carrying amounts and estimated fair values of our financial instruments not measured at fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (value and indicates the level in the fair value hierarchy of the estimated fair value measurement based on the observability of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.60 Td (inputs used:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 588.10 178.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.00 588.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.00 588.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.00 588.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.00 588.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.00 588.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.00 588.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 588.10 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 588.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 588.10 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 560.10 178.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.00 560.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.00 560.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.00 560.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.00 560.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.00 560.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.00 560.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 560.10 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 560.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 560.10 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 532.10 178.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.00 532.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.00 532.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.00 532.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.00 532.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.00 532.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.00 532.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 532.10 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 532.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 532.10 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 492.10 178.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.00 492.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.00 492.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.00 492.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.00 492.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.00 492.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.00 492.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 492.10 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 492.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 492.10 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 464.10 178.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.00 464.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.00 464.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.00 464.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.00 464.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.00 464.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.00 464.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 464.10 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 464.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 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465.15 495.57 Td (3,048.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.50 495.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 495.57 Td (2,738.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 481.57 Td (Payables for Collateral on Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 465.67 Td (Federal Home Loan Bank \(FHLB\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 455.67 Td (Funding ) Tj ET Q q 0 0 0 rg BT 106.06 455.67 Td (Agreements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.15 455.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.65 455.67 Td (350.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.15 455.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 455.67 Td (350.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 455.67 Td (350.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 441.57 Td (Other Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 427.57 Td (Unfunded Commitments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.15 427.57 Td 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401.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.15 401.67 Td (3,402.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.50 401.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.15 401.67 Td (3,092.1) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 373.50 Td (The carrying values of financial instruments such as short-term investments, cash and bank deposits, accounts and premiums ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 361.50 Td (receivable, accrued investment income, securities lending agreements, and short-term debt approximate fair value due to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 349.50 Td (short-term nature of the instruments. ) Tj ET Q q 0 0 0 rg BT 200.30 349.50 Td (As such, these financial instruments are not included in the above chart.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 325.50 Td (Fair values for insurance contracts other than investment contracts are not required to be disclosed. However) Tj ET Q q 0 0 0 rg BT 486.45 325.50 Td (, the fair values of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 313.50 Td (liabilities under all insurance contracts are taken into consideration in our overall management of interest rate risk, which seeks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 301.50 Td (to minimize exposure to changing interest rates through the matching of investment maturities with amounts due under insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 289.50 Td (contracts.) Tj ET Q endstream endobj 277 0 obj <> endobj 278 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 3 - Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (134) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 690.75 Td (Fixed Maturity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.75 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 666.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.58 666.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.02 666.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.02 666.75 Td (, all fixed maturity securities were classified as available-for) Tj ET Q q 0 0 0 rg BT 421.11 666.75 Td (-sale. ) Tj ET Q q 0 0 0 rg BT 447.31 666.75 Td (The amortized cost and fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.75 Td (values of securities by security type are shown as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 582.25 246.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.00 582.25 65.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.00 582.25 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 582.25 65.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 582.25 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.00 582.25 65.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 582.25 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 582.25 65.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 547.25 246.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.00 547.25 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.00 547.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 547.25 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 547.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.00 547.25 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 547.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 547.25 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 521.25 246.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.00 521.25 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.00 521.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 521.25 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 521.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.00 521.25 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 521.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 521.25 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 495.25 246.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.00 495.25 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.00 495.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 495.25 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 495.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.00 495.25 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 495.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 495.25 65.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 629.25 m 361 629.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361 629.25 m 365 629.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 629.25 m 430 629.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 629.25 m 434 629.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 629.25 m 499 629.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499 629.25 m 503 629.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 629.25 m 568 629.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 597.25 m 361 597.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 597.25 m 430 597.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 597.25 m 499 597.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 597.25 m 568 597.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 582.25 m 361 582.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361 582.25 m 365 582.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 582.25 m 430 582.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 582.25 m 434 582.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 582.25 m 499 582.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499 582.25 m 503 582.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 582.25 m 568 582.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 482.25 m 361 482.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 482.25 m 430 482.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 482.25 m 499 482.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 482.25 m 568 482.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 470.25 m 361 470.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 468.25 m 361 468.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 470.25 m 430 470.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 468.25 m 430 468.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 470.25 m 499 470.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 468.25 m 499 468.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 470.25 m 568 470.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 468.25 m 568 468.25 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 633.50 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.20 633.92 Td (December 31, 2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 601.50 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.60 611.92 Td (Amortized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.80 601.92 Td (Cost) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.30 619.82 Td (Gross) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.05 609.82 Td (Unrealized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.25 599.87 Td (Gain) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.30 619.82 Td (Gross) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.05 609.82 Td (Unrealized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.55 599.87 Td (Loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.90 611.92 Td (Fair) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.60 601.92 Td (V) Tj ET Q q 0 0 0 rg BT 529.71 601.92 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.35 586.92 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 572.82 Td (United States Government and Government ) Tj ET Q q 0 0 0 rg BT 230.24 572.82 Td (Agencies and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 562.87 Td (Authorities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 564.92 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 564.92 Td (1,702.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.50 564.92 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 564.92 Td (123.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.50 564.92 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 564.92 Td (10.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.50 564.92 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 564.92 Td (1,814.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 550.82 Td (States, Municipalities, and Political Subdivisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 550.82 Td (2,121.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 550.82 Td (307.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 550.82 Td (4.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 550.82 Td (2,424.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 537.82 Td (Foreign Governments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.65 537.82 Td (825.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 537.82 Td (162.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 537.82 Td (4.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 537.82 Td (983.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 524.82 Td (Public Utilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 524.82 Td (6,626.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 524.82 Td (850.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 524.82 Td (63.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 524.82 Td (7,412.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 511.82 Td (Mortgage/Asset-Backed Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 511.82 Td (1,523.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 511.82 Td (67.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 511.82 Td (8.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 511.82 Td (1,582.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 498.82 Td (All Other Corporate Bonds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 498.82 Td (27,436.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 498.82 Td (1,981.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 498.82 Td (664.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.15 498.82 Td (28,754.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 485.82 Td (Redeemable Preferred Stocks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.65 485.82 Td (39.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 485.82 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 485.82 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 485.82 Td (39.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 472.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 472.98 Td (otal Fixed Maturity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 472.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 472.82 Td (40,275.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.50 472.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 472.82 Td (3,492.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.50 472.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 472.82 Td (756.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.50 472.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.15 472.82 Td (43,01) Tj ET Q q 0 0 0 rg BT 551.65 472.82 Td (1.7) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 397.25 246.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.00 397.25 65.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.00 397.25 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 397.25 65.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 397.25 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.00 397.25 65.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 397.25 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 397.25 65.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 362.25 246.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.00 362.25 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.00 362.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 362.25 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 362.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.00 362.25 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 362.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 362.25 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 336.25 246.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.00 336.25 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.00 336.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 336.25 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 336.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.00 336.25 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 336.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 336.25 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 310.25 246.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.00 310.25 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.00 310.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 310.25 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 310.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.00 310.25 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 310.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 310.25 65.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 444.25 m 361 444.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361 444.25 m 365 444.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 444.25 m 430 444.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 444.25 m 434 444.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 444.25 m 499 444.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499 444.25 m 503 444.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 444.25 m 568 444.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 412.25 m 361 412.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361 444.25 m 365 444.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 412.25 m 430 412.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 412.25 m 499 412.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 412.25 m 568 412.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 397.25 m 361 397.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361 397.25 m 365 397.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 397.25 m 430 397.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 397.25 m 434 397.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 397.25 m 499 397.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499 397.25 m 503 397.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 397.25 m 568 397.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 297.25 m 361 297.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 297.25 m 430 297.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 297.25 m 499 297.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 297.25 m 568 297.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 285.25 m 361 285.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 283.25 m 361 283.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 285.25 m 430 285.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 283.25 m 430 283.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 285.25 m 499 285.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 283.25 m 499 283.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 285.25 m 568 285.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 283.25 m 568 283.25 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 448.50 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.20 448.92 Td (December 31, 2017) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 416.50 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.60 426.92 Td (Amortized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.80 416.92 Td (Cost) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.30 434.82 Td (Gross) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.05 424.82 Td (Unrealized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.25 414.87 Td (Gain) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.30 434.82 Td (Gross) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.05 424.82 Td (Unrealized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.55 414.87 Td (Loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.90 426.92 Td (Fair) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.60 416.92 Td (V) Tj ET Q q 0 0 0 rg BT 529.71 416.92 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.35 401.92 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 387.82 Td (United States Government and Government ) Tj ET Q q 0 0 0 rg BT 230.24 387.82 Td (Agencies and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 377.87 Td (Authorities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 379.92 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 379.92 Td (1,31) Tj ET Q q 0 0 0 rg BT 344.65 379.92 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.50 379.92 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 379.92 Td (176.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.50 379.92 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 379.92 Td (4.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.50 379.92 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 379.92 Td (1,482.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 365.82 Td (States, Municipalities, and Political Subdivisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 365.82 Td (1,942.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 365.82 Td (395.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 365.82 Td (1.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 365.82 Td (2,336.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 352.82 Td (Foreign Governments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.65 352.82 Td (673.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 352.82 Td (191.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 352.82 Td (0.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 352.82 Td (863.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 339.82 Td (Public Utilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 339.82 Td (6,952.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 339.82 Td (1,296.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 339.82 Td (12.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 339.82 Td (8,236.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 326.82 Td (Mortgage/Asset-Backed Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 326.82 Td (1,873.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 326.82 Td (105.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 326.82 Td (4.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 326.82 Td (1,973.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 313.82 Td (All Other Corporate Bonds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 313.82 Td (26,988.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 313.82 Td (3,633.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 313.82 Td (99.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.15 313.82 Td (30,522.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 300.82 Td (Redeemable Preferred Stocks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.65 300.82 Td (39.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 300.82 Td (3.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.15 300.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 300.82 Td (42.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 287.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 287.98 Td (otal Fixed Maturity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 287.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 287.82 Td (39,780.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.50 287.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 287.82 Td (5,800.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.50 287.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 287.82 Td (123.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.50 287.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.15 287.82 Td (45,457.8) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 279 0 obj <> endobj 280 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 3 - Investments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (135) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (The following charts indicate the length of time our fixed maturity securities have been in a gross unrealized loss position.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 606.10 246.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.00 606.10 65.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.00 606.10 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 606.10 65.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 606.10 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.00 606.10 65.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 606.10 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 606.10 65.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 571.10 246.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.00 571.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.00 571.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 571.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 571.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.00 571.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 571.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 571.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 545.10 246.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.00 545.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.00 545.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 545.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 545.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.00 545.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 545.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 545.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 519.10 246.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.00 519.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.00 519.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 519.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 519.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.00 519.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 519.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 519.10 65.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 665.1 m 361 665.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361 665.1 m 365 665.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 665.1 m 430 665.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 665.1 m 434 665.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 665.1 m 499 665.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499 665.1 m 503 665.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 665.1 m 568 665.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 653.1 m 361 653.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361 653.1 m 365 653.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 653.1 m 430 653.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 653.1 m 499 653.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499 653.1 m 503 653.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 653.1 m 568 653.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 621.1 m 361 621.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 621.1 m 430 621.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 621.1 m 499 621.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499 653.1 m 503 653.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 621.1 m 568 621.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 606.1 m 361 606.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361 606.1 m 365 606.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 606.1 m 430 606.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 606.1 m 434 606.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 606.1 m 499 606.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499 606.1 m 503 606.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 606.1 m 568 606.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 506.1 m 361 506.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 506.1 m 430 506.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 506.1 m 499 506.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 506.1 m 568 506.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 506.1 m 361 506.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 494.1 m 361 494.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 492.1 m 361 492.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 506.1 m 430 506.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 494.1 m 430 494.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 492.1 m 430 492.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 506.1 m 499 506.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 494.1 m 499 494.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 492.1 m 499 492.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 506.1 m 568 506.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 494.1 m 568 494.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 492.1 m 568 492.1 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 669.35 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.20 669.77 Td (December 31, 2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 657.05 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.10 655.72 Td (Less ) Tj ET Q q 0 0 0 rg BT 339.84 655.72 Td (Than 12 Months) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.30 655.72 Td (12 Months or Greater) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 625.35 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.90 635.77 Td (Fair) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.60 625.77 Td (V) Tj ET Q q 0 0 0 rg BT 322.71 625.77 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.30 643.67 Td (Gross) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.05 633.67 Td (Unrealized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.55 623.72 Td (Loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.90 635.77 Td (Fair) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.60 625.77 Td (V) Tj ET Q q 0 0 0 rg BT 460.71 625.77 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.30 643.67 Td (Gross) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.05 633.67 Td (Unrealized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.55 623.72 Td (Loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.35 610.77 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 596.67 Td (United States Government and Government ) Tj ET Q q 0 0 0 rg BT 230.24 596.67 Td (Agencies and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 586.72 Td (Authorities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 588.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.65 588.77 Td (68.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.50 588.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 588.77 Td (1.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.50 588.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 588.77 Td (212.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.50 588.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.65 588.77 Td (9.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 574.67 Td (States, Municipalities, and Political Subdivisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.65 574.67 Td (183.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 574.67 Td (2.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 574.67 Td (65.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.65 574.67 Td (2.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 561.67 Td (Foreign Governments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.65 561.67 Td (58.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 561.67 Td (3.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 561.67 Td (12.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.65 561.67 Td (1.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 548.67 Td (Public Utilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.65 548.67 Td (740.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 548.67 Td (31.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 548.67 Td (325.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 548.67 Td (32.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 535.67 Td (Mortgage/Asset-Backed Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.65 535.67 Td (81.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 535.67 Td (1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 535.67 Td (201.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.65 535.67 Td (7.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 522.67 Td (All Other Corporate Bonds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 522.67 Td (9,240.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 522.67 Td (462.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.15 522.67 Td (1,704.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 522.67 Td (202.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 509.67 Td (Redeemable Preferred Stocks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.65 509.67 Td (18.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 509.67 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.15 509.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 554.15 509.67 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 496.83 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 496.83 Td (otal Fixed Maturity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 496.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 496.67 Td (10,391.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.50 496.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 496.67 Td (502.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.50 496.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.15 496.67 Td (2,521.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.50 496.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 496.67 Td (253.9) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 411.10 245.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 411.10 65.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.00 411.10 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.00 411.10 65.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.00 411.10 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.00 411.10 65.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 411.10 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 411.10 65.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 376.10 245.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 376.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.00 376.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.00 376.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.00 376.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.00 376.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 376.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 376.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 350.10 245.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 350.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.00 350.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.00 350.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.00 350.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.00 350.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 350.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 350.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 324.10 245.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 324.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.00 324.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.00 324.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.00 324.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.00 324.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 324.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 324.10 65.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 470.1 m 360 470.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360 470.1 m 364 470.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364 470.1 m 429 470.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429 470.1 m 433 470.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433 470.1 m 498 470.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 470.1 m 502 470.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 470.1 m 567 470.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 458.1 m 360 458.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360 458.1 m 364 458.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364 458.1 m 429 458.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433 458.1 m 498 458.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 458.1 m 502 458.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 458.1 m 567 458.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 458.1 m 360 458.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 426.1 m 360 426.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360 458.1 m 364 458.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364 458.1 m 429 458.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364 426.1 m 429 426.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433 458.1 m 498 458.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433 426.1 m 498 426.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 458.1 m 502 458.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 458.1 m 567 458.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 426.1 m 567 426.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 411.1 m 360 411.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360 411.1 m 364 411.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364 411.1 m 429 411.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429 411.1 m 433 411.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433 411.1 m 498 411.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 411.1 m 502 411.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 411.1 m 567 411.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 324.1 m 360 324.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364 324.1 m 429 324.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433 324.1 m 498 324.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 324.1 m 567 324.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 324.1 m 360 324.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 312.1 m 360 312.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 310.1 m 360 310.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364 324.1 m 429 324.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364 312.1 m 429 312.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364 310.1 m 429 310.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433 324.1 m 498 324.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433 312.1 m 498 312.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433 310.1 m 498 310.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 324.1 m 567 324.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 312.1 m 567 312.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 310.1 m 567 310.1 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 474.35 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.20 473.67 Td (December 31, 2017) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 462.05 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.10 460.72 Td (Less ) Tj ET Q q 0 0 0 rg BT 338.84 460.72 Td (Than 12 Months) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.30 460.72 Td (12 Months or Greater) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 430.35 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.90 440.77 Td (Fair) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.60 430.77 Td (V) Tj ET Q q 0 0 0 rg BT 321.71 430.77 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.30 448.67 Td (Gross) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.05 438.67 Td (Unrealized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.55 428.72 Td (Loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.90 440.77 Td (Fair) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.60 430.77 Td (V) Tj ET Q q 0 0 0 rg BT 459.71 430.77 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.30 448.67 Td (Gross) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.05 438.67 Td (Unrealized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.55 428.72 Td (Loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.35 415.77 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 401.67 Td (United States Government and Government ) Tj ET Q q 0 0 0 rg BT 230.24 401.67 Td (Agencies and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 391.72 Td (Authorities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.50 393.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.65 393.77 Td (157.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.50 393.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.65 393.77 Td (3.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.50 393.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 393.77 Td (58.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.50 393.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 393.77 Td (1.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 379.67 Td (States, Municipalities, and Political Subdivisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.65 379.67 Td (45.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.65 379.67 Td (0.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 379.67 Td (22.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 379.67 Td (0.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 366.67 Td (Foreign Governments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.65 366.67 Td (13.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.65 366.67 Td (0.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 366.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 366.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 353.67 Td (Public Utilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.65 353.67 Td (213.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.65 353.67 Td (7.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.65 353.67 Td (133.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 353.67 Td (4.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 340.67 Td (Mortgage/Asset-Backed Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.65 340.67 Td (252.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.65 340.67 Td (1.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.65 340.67 Td (144.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 340.67 Td (3.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 327.67 Td (All Other Corporate Bonds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.15 327.67 Td (1,355.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.65 327.67 Td (26.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.65 327.67 Td (785.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 327.67 Td (73.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 314.83 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 314.83 Td (otal Fixed Maturity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.50 314.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.15 314.67 Td (2,037.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.50 314.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.65 314.67 Td (40.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.50 314.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.15 314.67 Td (1,144.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.50 314.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 314.67 Td (83.5) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 281 0 obj <> endobj 282 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 3 - Investments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (136) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (The following is a distribution of the maturity dates for fixed maturity securities. ) Tj ET Q q 0 0 0 rg BT 377.30 690.60 Td (The maturity dates have not been adjusted for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (possible calls or prepayments.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 606.10 177.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.00 606.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.00 606.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.00 606.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.00 606.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 606.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 606.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.00 606.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 606.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 606.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 580.10 177.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.00 580.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.00 580.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.00 580.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.00 580.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 580.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 580.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.00 580.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 580.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 580.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 554.10 177.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.00 554.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.00 554.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.00 554.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.00 554.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 554.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 554.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.00 554.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 554.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 554.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 528.10 177.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.00 528.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.00 528.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.00 528.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.00 528.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 528.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 528.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.00 528.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 528.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 528.10 65.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227 655.1 m 292 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292 655.1 m 296 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 655.1 m 361 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361 655.1 m 365 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 655.1 m 430 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 655.1 m 434 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 655.1 m 499 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499 655.1 m 503 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 655.1 m 568 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 638.1 m 361 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361 638.1 m 365 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 638.1 m 430 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 638.1 m 499 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499 638.1 m 503 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 638.1 m 568 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227 622.1 m 292 622.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 622.1 m 361 622.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 622.1 m 430 622.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 622.1 m 499 622.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 622.1 m 568 622.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227 606.1 m 292 606.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292 606.1 m 296 606.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 606.1 m 361 606.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361 606.1 m 365 606.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 606.1 m 430 606.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 606.1 m 434 606.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 606.1 m 499 606.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499 606.1 m 503 606.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 606.1 m 568 606.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227 554.1 m 292 554.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 554.1 m 361 554.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 554.1 m 430 554.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 554.1 m 499 554.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 554.1 m 568 554.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227 528.1 m 292 528.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 528.1 m 361 528.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 528.1 m 430 528.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 528.1 m 499 528.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 528.1 m 568 528.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227 516.1 m 292 516.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227 514.1 m 292 514.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 516.1 m 361 516.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 514.1 m 361 514.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 516.1 m 430 516.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 514.1 m 430 514.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 516.1 m 499 516.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 514.1 m 499 514.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 516.1 m 568 516.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 514.1 m 568 514.1 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 659.35 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.70 658.67 Td (December 31, 2018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 642.35 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.75 645.67 Td (T) Tj ET Q q 0 0 0 rg BT 254.16 645.67 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.60 634.67 Td (Amortized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.80 624.72 Td (Cost) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.95 642.77 Td (UnrealizedGainPosition) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.20 642.77 Td (UnrealizedLossPosition) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 626.35 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.35 626.77 Td (GrossGain) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.40 626.77 Td (Fair ) Tj ET Q q 0 0 0 rg BT 394.92 626.77 Td (V) Tj ET Q q 0 0 0 rg BT 401.50 626.77 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.60 626.77 Td (GrossLoss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.40 626.77 Td (Fair) Tj ET Q q 0 0 0 rg BT 532.92 626.77 Td (V) Tj ET Q q 0 0 0 rg BT 539.50 626.77 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.85 610.77 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 596.67 Td (1 year or less) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.50 596.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.15 596.67 Td (1,073.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 596.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.65 596.67 Td (14.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.50 596.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 596.67 Td (1,020.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.50 596.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 596.67 Td (8.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.50 596.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 596.67 Td (59.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 583.67 Td (Over 1 year through 5 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.15 583.67 Td (6,267.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.65 583.67 Td (300.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 583.67 Td (5,186.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 583.67 Td (80.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 583.67 Td (1,301.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 570.67 Td (Over 5 years through 10 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.15 570.67 Td (12,573.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.65 570.67 Td (795.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 570.67 Td (6,812.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 570.67 Td (303.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 570.67 Td (6,251.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 557.67 Td (Over 10 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.15 557.67 Td (18,837.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 557.67 Td (2,315.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.15 557.67 Td (15,779.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 557.67 Td (355.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 557.67 Td (5,017.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.15 544.67 Td (38,751.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 544.67 Td (3,425.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.15 544.67 Td (28,799.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 544.67 Td (748.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.15 544.67 Td (12,629.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 531.67 Td (Mortgage/Asset-Backed Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.15 531.67 Td (1,523.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.65 531.67 Td (67.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 531.67 Td (1,299.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 531.67 Td (8.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 531.67 Td (283.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 518.83 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 518.83 Td (otal Fixed Maturity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.50 518.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.15 518.67 Td (40,275.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 518.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 518.67 Td (3,492.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.50 518.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.15 518.67 Td (30,099.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.50 518.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 518.67 Td (756.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.50 518.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.15 518.67 Td (12,912.7) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 443.10 177.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.00 443.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.00 443.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.00 443.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.00 443.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 443.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 443.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.00 443.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 443.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 443.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 417.10 177.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.00 417.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.00 417.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.00 417.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.00 417.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 417.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 417.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.00 417.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 417.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 417.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 391.10 177.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.00 391.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.00 391.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.00 391.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.00 391.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 391.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 391.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.00 391.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 391.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 391.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 365.10 177.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.00 365.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.00 365.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.00 365.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.00 365.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 365.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 365.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.00 365.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.00 365.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.00 365.10 65.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227 492.1 m 292 492.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292 492.1 m 296 492.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 492.1 m 361 492.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361 492.1 m 365 492.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 492.1 m 430 492.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 492.1 m 434 492.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 492.1 m 499 492.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499 492.1 m 503 492.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 492.1 m 568 492.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227 492.1 m 292 492.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 477.1 m 361 477.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361 477.1 m 365 477.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 477.1 m 430 477.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 477.1 m 499 477.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499 477.1 m 503 477.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 477.1 m 568 477.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227 460.1 m 292 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 460.1 m 361 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 460.1 m 430 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 460.1 m 499 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 460.1 m 568 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227 443.1 m 292 443.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292 443.1 m 296 443.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 443.1 m 361 443.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361 443.1 m 365 443.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 443.1 m 430 443.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 443.1 m 434 443.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 443.1 m 499 443.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499 443.1 m 503 443.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 443.1 m 568 443.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227 391.1 m 292 391.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 391.1 m 361 391.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 391.1 m 430 391.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 391.1 m 499 391.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 391.1 m 568 391.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227 365.1 m 292 365.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 365.1 m 361 365.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 365.1 m 430 365.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 365.1 m 499 365.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 365.1 m 568 365.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227 353.1 m 292 353.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227 351.1 m 292 351.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 353.1 m 361 353.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296 351.1 m 361 351.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 353.1 m 430 353.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 351.1 m 430 351.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 353.1 m 499 353.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434 351.1 m 499 351.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 353.1 m 568 353.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503 351.1 m 568 351.1 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 496.35 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.70 495.67 Td (December 31, 2017) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 481.35 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.75 482.67 Td (T) Tj ET Q q 0 0 0 rg BT 254.16 482.67 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.60 471.67 Td (Amortized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.80 461.72 Td (Cost) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.95 482.22 Td (UnrealizedGainPosition) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.20 482.22 Td (UnrealizedLossPosition) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 464.35 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.35 466.22 Td (GrossGain) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.40 466.22 Td (Fair ) Tj ET Q q 0 0 0 rg BT 394.92 466.22 Td (V) Tj ET Q q 0 0 0 rg BT 401.50 466.22 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.60 466.22 Td (GrossLoss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.40 466.22 Td (Fair) Tj ET Q q 0 0 0 rg BT 532.83 466.22 Td (V) Tj ET Q q 0 0 0 rg BT 538.94 466.22 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.85 447.77 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 433.67 Td (1 year or less) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.50 433.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.15 433.67 Td (1,625.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 433.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.65 433.67 Td (30.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.50 433.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 433.67 Td (1,638.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.50 433.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 433.67 Td (3.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.50 433.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 433.67 Td (14.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 420.67 Td (Over 1 year through 5 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.15 420.67 Td (5,579.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.65 420.67 Td (453.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 420.67 Td (5,810.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 420.67 Td (18.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 420.67 Td (204.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 407.67 Td (Over 5 years through 10 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.15 407.67 Td (12,091.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 407.67 Td (1,169.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.15 407.67 Td (1) Tj ET Q q 0 0 0 rg BT 396.15 407.67 Td (1,916.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 407.67 Td (53.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 407.67 Td (1,291.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 394.67 Td (Over 10 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.15 394.67 Td (18,61) Tj ET Q q 0 0 0 rg BT 275.65 394.67 Td (1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 394.67 Td (4,041.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.15 394.67 Td (21,333.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 394.67 Td (44.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 394.67 Td (1,275.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.15 381.67 Td (37,907.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 381.67 Td (5,695.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.15 381.67 Td (40,699.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 381.67 Td (1) Tj ET Q q 0 0 0 rg BT 477.65 381.67 Td (18.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 381.67 Td (2,784.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 368.67 Td (Mortgage/Asset-Backed Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.15 368.67 Td (1,873.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.65 368.67 Td (105.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 368.67 Td (1,576.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 368.67 Td (4.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 368.67 Td (397.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 355.83 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 355.83 Td (otal Fixed Maturity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.50 355.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.15 355.67 Td (39,780.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 355.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 355.67 Td (5,800.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.50 355.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.15 355.67 Td (42,275.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.50 355.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 355.67 Td (123.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.50 355.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 355.67 Td (3,182.1) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 328.60 Td (The following chart depicts an analysis of our fixed maturity security portfolio between investment-grade and below-investment-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 316.60 Td (grade categories as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.90 316.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.48 316.60 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 242.10 241.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.00 242.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 242.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.00 242.10 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 242.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 242.10 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.00 242.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 242.10 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 214.10 241.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.00 214.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 214.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.00 214.10 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 214.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 214.10 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.00 214.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 214.10 72.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 292.1 m 491 292.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491 292.1 m 495 292.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 292.1 m 567 292.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291 256.1 m 356 256.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360 256.1 m 424 256.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 256.1 m 491 256.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 256.1 m 567 256.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291 242.10000000000002 m 356 242.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 242.10000000000002 m 360 242.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360 242.10000000000002 m 424 242.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 242.10000000000002 m 428 242.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 242.10000000000002 m 491 242.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291 242.10000000000002 m 356 242.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 242.10000000000002 m 360 242.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360 242.10000000000002 m 424 242.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 242.10000000000002 m 428 242.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 242.10000000000002 m 491 242.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291 214.10000000000002 m 356 214.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360 214.10000000000002 m 424 214.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 214.10000000000002 m 491 214.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291 214.10000000000002 m 356 214.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291 201.10000000000002 m 356 201.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291 199.10000000000002 m 356 199.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360 214.10000000000002 m 424 214.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360 201.10000000000002 m 424 201.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360 199.10000000000002 m 424 199.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 214.10000000000002 m 491 214.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 201.10000000000002 m 491 201.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 199.10000000000002 m 491 199.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 214.10000000000002 m 567 214.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 201.10000000000002 m 567 201.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 199.10000000000002 m 567 199.10000000000002 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.45 296.67 Td (Gross Unrealized Loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.40 260.77 Td (Fair ) Tj ET Q q 0 0 0 rg BT 320.92 260.77 Td (V) Tj ET Q q 0 0 0 rg BT 327.50 260.77 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.80 280.77 Td (Gross) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.55 270.77 Td (Unrealized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.75 260.77 Td (Gain) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.60 260.77 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.70 280.77 Td (Percent of ) Tj ET Q q 0 0 0 rg BT 541.93 280.77 Td (T) Tj ET Q q 0 0 0 rg BT 547.59 280.77 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.80 270.77 Td (Gross) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.85 260.77 Td (Unrealized Loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.35 246.67 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 232.67 Td (Investment-Grade) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.50 232.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.15 232.67 Td (39,973.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.50 232.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.15 232.67 Td (3,464.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 232.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.65 232.67 Td (529.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 232.67 Td (70.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 232.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 218.67 Td (Below-Investment-Grade) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 218.67 Td (3,038.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.65 218.67 Td (28.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.65 218.67 Td (226.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 218.67 Td (30.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 204.78 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 204.78 Td (otal Fixed Maturity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.50 204.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.15 204.67 Td (43,01) Tj ET Q q 0 0 0 rg BT 339.65 204.67 Td (1.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.50 204.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.15 204.67 Td (3,492.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.50 204.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.65 204.67 Td (756.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 204.67 Td (100.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.15 204.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 176.60 Td (The unrealized losses on investment-grade fixed maturity securities principally relate to changes in interest rates or changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 164.60 Td (market or sector credit spreads which occurred subsequent to the acquisition of the securities. Below-investment-grade fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 152.60 Td (maturity securities are generally more likely to develop credit concerns than investment-grade securities. ) Tj ET Q q 0 0 0 rg BT 472.96 152.60 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.46 152.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 564.04 152.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 140.60 Td (the unrealized losses in our below-investment-grade fixed maturity securities were generally due to credit spreads in certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 128.60 Td (industries or sectors and, to a lesser extent, credit concerns related to specific securities. For each specific security in an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 116.60 Td (unrealized loss position, we believe that there are positive factors which mitigate credit concerns and that the securities for which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 104.60 Td (we have not recorded an other) Tj ET Q q 0 0 0 rg BT 170.08 104.60 Td (-than-temporary impairment will recover in value.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 80.60 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.94 80.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.53 80.60 Td (, we held ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.40 80.60 Td (552) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.40 80.60 Td ( individual investment-grade fixed maturity securities and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.51 80.60 Td (135) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.51 80.60 Td ( individual below-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 68.60 Td (investment-grade fixed maturity securities that were in an unrealized loss position, of which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.95 68.60 Td (204) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.95 68.60 Td ( investment-grade fixed maturity ) Tj ET Q endstream endobj 283 0 obj <> endobj 284 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 3 - Investments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (137) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (securities and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.70 690.60 Td (32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.70 690.60 Td ( below-investment-grade fixed maturity securities had been in an unrealized loss position continuously for over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (one year) Tj ET Q q 0 0 0 rg BT 83.09 678.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.60 Td (In determining when a decline in fair value below amortized cost of a fixed maturity security is other than temporary) Tj ET Q q 0 0 0 rg BT 516.19 654.60 Td (, we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.60 Td (evaluate the following factors:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 618.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 618.60 Td (Whether we expect to recover the entire amortized cost basis of the security) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 606.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 606.60 Td (Whether we intend to sell the security or will be required to sell the security before the recovery of its amortized cost ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 594.60 Td (basis) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 582.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 582.60 Td (Whether the security is current as to principal and interest payments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 570.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 570.60 Td (The significance of the decline in value) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 558.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 558.60 Td (The time period during which there has been a significant decline in value) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 546.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 546.60 Td (Current and future business prospects and trends of earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 534.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 534.60 Td (The valuation of the security's underlying collateral) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 522.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 522.60 Td (Relevant industry conditions and trends relative to their historical cycles) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 510.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 510.60 Td (Market conditions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 498.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 498.60 Td (Rating agency and governmental actions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 486.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 486.60 Td (Bid and of) Tj ET Q q 0 0 0 rg BT 127.54 486.60 Td (fering prices and the level of trading activity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 474.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 474.60 Td (Adverse changes in estimated cash flows for securitized investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 462.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 462.60 Td (Changes in fair value subsequent to the balance sheet date) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 450.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 450.60 Td (Any other key measures for the related security) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 426.60 Td (While determining other) Tj ET Q q 0 0 0 rg BT 147.60 426.60 Td (-than-temporary impairments is a judgmental area, we utilize a formal, well-defined, and disciplined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.60 Td (process to monitor and evaluate our fixed income investment portfolio, supported by issuer specific research and documentation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 402.60 Td (as of the end of each period. ) Tj ET Q q 0 0 0 rg BT 167.33 402.60 Td (The process results in a thorough evaluation of problem investments and the recording of losses on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.60 Td (a timely basis for investments determined to have an other) Tj ET Q q 0 0 0 rg BT 282.84 390.60 Td (-than-temporary impairment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 366.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 366.60 Td (e held ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.79 366.60 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.79 366.60 Td ( fixed maturity securities as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.65 366.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.23 366.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.67 366.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.67 366.60 Td (, for which a portion of an other) Tj ET Q q 0 0 0 rg BT 464.21 366.60 Td (-than-temporary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 354.60 Td (impairment was recognized in accumulated other comprehensive income. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 330.60 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 330.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.58 330.60 Td (, we had commitments of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.45 330.60 Td ($1) Tj ET Q q 0 0 0 rg BT 254.08 330.60 Td (17.3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.97 330.60 Td ( to fund private placement fixed maturity securities, the amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 318.60 Td (of which may or may not be funded. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 296.60 Td (V) Tj ET Q q 0 0 0 rg BT 55.06 296.60 Td (ariable Interest Entities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 272.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 272.60 Td (e invest in variable interests issued by variable interest entities. ) Tj ET Q q 0 0 0 rg BT 315.11 272.60 Td (These investments include tax credit partnerships, private ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 260.60 Td (equity partnerships, and special purpose entities. For those variable interests that are not consolidated in our financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 248.60 Td (statements, we are not the primary beneficiary because we have neither the power to direct the activities that are most significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 236.60 Td (to economic performance nor the responsibility to absorb a majority of the expected losses. ) Tj ET Q q 0 0 0 rg BT 419.21 236.60 Td (The determination of whether we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 224.60 Td (are the primary beneficiary is performed at the time of our initial investment and at the date of each subsequent reporting period.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 200.60 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.94 200.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.53 200.60 Td (, the carrying amount of our variable interest entity investments that are not consolidated in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 188.60 Td (financial statements was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.74 188.60 Td ($575.3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.64 188.60 Td (, comprised of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.62 188.60 Td ($91.5 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.51 188.60 Td ( of tax credit partnerships and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.14 188.60 Td ($483.8 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.03 188.60 Td ( of private ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 176.60 Td (equity partnerships. ) Tj ET Q q 0 0 0 rg BT 132.82 176.60 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.32 176.60 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.90 176.60 Td (, the carrying amount of our variable interest entity investments that are not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 164.60 Td (consolidated in our financial statements was) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.89 164.60 Td ($535.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.79 164.60 Td (, comprised of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.77 164.60 Td ($128.2 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.66 164.60 Td (of tax credit partnerships and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.29 164.60 Td ($407.2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 152.60 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 152.60 Td (of private equity partnerships. ) Tj ET Q q 0 0 0 rg BT 205.68 152.60 Td (These variable interest entity investments are reported as other long-term investments in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 140.60 Td (our consolidated balance sheets.) Tj ET Q endstream endobj 285 0 obj <> endobj 286 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 3 - Investments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (138) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (The Company invests in tax credit partnerships primarily for the receipt of income tax credits and tax benefits derived from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (passive losses on the investments. ) Tj ET Q q 0 0 0 rg BT 189.77 678.60 Td (Amounts recognized in the consolidated statements of income are as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 629.10 291.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.00 629.10 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 629.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.00 629.10 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.00 629.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 629.10 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 603.10 291.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.00 603.10 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 603.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.00 603.10 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.00 603.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 603.10 73.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341 655.1 m 414 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414 655.1 m 418 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418 655.1 m 491 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491 655.1 m 495 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 655.1 m 568 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341 642.1 m 414 642.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418 642.1 m 491 642.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 642.1 m 568 642.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341 629.1 m 414 629.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414 629.1 m 418 629.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418 629.1 m 491 629.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491 629.1 m 495 629.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 629.1 m 568 629.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 629.1 m 568 629.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341 603.1 m 414 603.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418 603.1 m 491 603.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 603.1 m 568 603.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341 603.1 m 414 603.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341 591.1 m 414 591.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341 589.1 m 414 589.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418 603.1 m 491 603.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418 591.1 m 491 591.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418 589.1 m 491 589.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 603.1 m 568 603.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 591.1 m 568 591.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 589.1 m 568 589.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.70 658.67 Td (Y) Tj ET Q q 0 0 0 rg BT 409.42 658.67 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.00 645.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.00 645.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.00 645.67 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.85 632.67 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 619.67 Td (Income ) Tj ET Q q 0 0 0 rg BT 84.90 619.67 Td (T) Tj ET Q q 0 0 0 rg BT 90.56 619.67 Td (ax Credits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.50 619.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 619.67 Td (41.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.50 619.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.65 619.67 Td (41.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.50 619.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 619.67 Td (41.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 606.67 Td (Amortization, Net of ) Tj ET Q q 0 0 0 rg BT 138.50 606.67 Td (T) Tj ET Q q 0 0 0 rg BT 144.17 606.67 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.30 606.72 Td (\(28.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 606.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.30 606.72 Td (\(23.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 606.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.30 606.67 Td (\(23.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 564.15 606.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 593.67 Td (Income ) Tj ET Q q 0 0 0 rg BT 84.80 593.67 Td (T) Tj ET Q q 0 0 0 rg BT 90.21 593.67 Td (ax Benefit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.50 593.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 593.67 Td (13.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.50 593.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.65 593.67 Td (18.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.50 593.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 593.67 Td (18.6) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 566.60 Td (Contractually) Tj ET Q q 0 0 0 rg BT 103.28 566.60 Td (, we are a limited partner in these tax credit partnerships, and our maximum exposure to loss is limited to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 554.60 Td (thecarrying value of our investment, which includes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.49 554.60 Td ($2.3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.38 554.60 Td ( of unfunded unconditional commitments at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.13 554.60 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 542.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 542.60 Td (. See Note 2 for commitments to fund private equity partnerships.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 518.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 518.60 Td (e are the sole beneficiary of a special purpose entity which is consolidated in our financial statements. ) Tj ET Q q 0 0 0 rg BT 470.32 518.60 Td (This entity is a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 506.60 Td (securitized asset trust containing a highly rated bond for principal protection which we contributed into the trust at the time it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 494.60 Td (was established. ) Tj ET Q q 0 0 0 rg BT 119.30 494.60 Td (There are no restrictions on the asset held in this trust, and the trust is free to dispose of the asset at any time. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 482.60 Td (The fair values of the bond were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.95 482.60 Td ($156.7 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.84 482.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.28 482.60 Td ($154.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.17 482.60 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.33 482.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.91 482.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.35 482.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.35 482.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 514.01 482.60 Td (. ) Tj ET Q q 0 0 0 rg BT 521.33 482.60 Td (The bond ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 470.60 Td (is reported as a component of fixed maturity securities in our consolidated balance sheets. ) Tj ET Q q 0 0 0 rg BT 413.28 470.60 Td (At) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.78 470.60 Td (December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.36 470.60 Td (, the trust also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 458.60 Td (contained a private equity partnership which we contributed into the trust at the time it was established with a fair value of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.58 458.60 Td ($1.0 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 446.60 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 446.60 Td (. During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.72 446.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.72 446.60 Td (, we received the final distribution from the private equity partnership and recorded a loss of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.54 446.60 Td ($0.2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 434.60 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 434.60 Td (on the disposal. ) Tj ET Q q 0 0 0 rg BT 148.21 434.60 Td (The loss is reported as a component of net realized investments gains and losses in our consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 422.60 Td (statements of income. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 398.60 Td (Mortgage Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 374.60 Td (Our mortgage loan portfolio is well diversified by both geographic region and property type to reduce risk of concentration. ) Tj ET Q q 0 0 0 rg BT 549.08 374.60 Td (All ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 362.60 Td (of our mortgage loans are collateralized by commercial real estate. ) Tj ET Q q 0 0 0 rg BT 320.86 362.60 Td (When issuing a new loan, our general policy is not to exceed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 350.60 Td (a loan-to-value ratio, or the ratio of the loan balance to the estimated fair value of the underlying collateral, of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.99 350.60 Td (75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.99 350.60 Td ( percent. ) Tj ET Q q 0 0 0 rg BT 540.23 350.60 Td (W) Tj ET Q q 0 0 0 rg BT 548.87 350.60 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 338.60 Td (update the loan-to-value ratios at least every ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.15 338.60 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.13 338.60 Td ( years for each loan, and properties under) Tj ET Q q 0 0 0 rg BT 414.44 338.60 Td (go a general inspection at least every ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 326.60 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.50 326.60 Td ( years. Our general policy for newly issued loans is to have a debt service coverage ratio greater than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.95 326.60 Td (1.25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.45 326.60 Td ( times on a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 314.60 Td (normalized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.98 314.60 Td (25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.98 314.60 Td ( year amortization period. ) Tj ET Q q 0 0 0 rg BT 215.09 314.60 Td (W) Tj ET Q q 0 0 0 rg BT 223.73 314.60 Td (e update our debt service coverage ratios annually) Tj ET Q q 0 0 0 rg BT 423.27 314.60 Td (.) Tj ET Q endstream endobj 287 0 obj <> endobj 288 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 3 - Investments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (139) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (Mortgage loans by property type and geographic region are presented below) Tj ET Q q 0 0 0 rg BT 354.30 690.60 Td (.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 615.10 146.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.75 615.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.75 615.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.75 615.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 615.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.75 615.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.75 615.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.75 615.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 589.10 146.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.75 589.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.75 589.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.75 589.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 589.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.75 589.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.75 589.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.75 589.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 563.10 146.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.75 563.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.75 563.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.75 563.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 563.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.75 563.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.75 563.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.75 563.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 537.10 146.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.75 537.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.75 537.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.75 537.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 537.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.75 537.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.75 537.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.75 537.10 90.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.75 667.1 m 284.75 667.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.75 667.1 m 288.75 667.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 667.1 m 378.75 667.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 667.1 m 382.75 667.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 667.1 m 472.75 667.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.75 667.1 m 476.75 667.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.75 667.1 m 566.75 667.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.75 654.1 m 284.75 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.75 654.1 m 288.75 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 654.1 m 378.75 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 654.1 m 472.75 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.75 654.1 m 476.75 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.75 654.1 m 566.75 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.75 641.1 m 284.75 641.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.75 641.1 m 288.75 641.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 641.1 m 378.75 641.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 641.1 m 382.75 641.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 641.1 m 472.75 641.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.75 641.1 m 476.75 641.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.75 641.1 m 566.75 641.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.75 615.1 m 284.75 615.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 615.1 m 378.75 615.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 615.1 m 472.75 615.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.75 615.1 m 566.75 615.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.75 537.1 m 284.75 537.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 537.1 m 378.75 537.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 537.1 m 472.75 537.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.75 537.1 m 566.75 537.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.75 525.1 m 284.75 525.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.75 523.1 m 284.75 523.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 525.1 m 378.75 525.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 523.1 m 378.75 523.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 525.1 m 472.75 525.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 523.1 m 472.75 523.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.75 525.1 m 566.75 525.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.75 523.1 m 566.75 523.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.45 670.67 Td (December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.25 657.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.25 657.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.10 644.67 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.45 631.67 Td (Carrying) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.80 631.67 Td (Percent of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.45 631.67 Td (Carrying) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.80 631.67 Td (Percent of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.85 618.67 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.00 618.67 Td (T) Tj ET Q q 0 0 0 rg BT 328.76 618.67 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.85 618.67 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.00 618.67 Td (T) Tj ET Q q 0 0 0 rg BT 516.41 618.67 Td (otal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 605.83 Td (Pr) Tj ET Q q 0 0 0 rg BT 61.71 605.83 Td (operty ) Tj ET Q q 0 0 0 rg BT 91.79 605.83 Td (T) Tj ET Q q 0 0 0 rg BT 98.00 605.83 Td (ype) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 592.67 Td ( ) Tj ET Q q 0 0 0 rg BT 63.47 592.67 Td (Apartment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.25 592.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.40 592.67 Td (491.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.40 592.67 Td (21.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.90 592.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.25 592.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.40 592.67 Td (360.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 592.67 Td (16.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.90 592.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 579.67 Td ( Industrial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.40 579.67 Td (635.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.40 579.67 Td (27.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.40 579.67 Td (601.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 579.67 Td (27.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 566.67 Td ( Of) Tj ET Q q 0 0 0 rg BT 74.21 566.67 Td (fice) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.40 566.67 Td (604.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.40 566.67 Td (26.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.40 566.67 Td (692.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 566.67 Td (31.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 553.67 Td ( Retail) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.40 553.67 Td (519.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.40 553.67 Td (22.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.40 553.67 Td (527.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 553.67 Td (23.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 540.67 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.40 540.67 Td (44.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.40 540.67 Td (2.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.40 540.67 Td (32.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 540.67 Td (1.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 527.83 Td (T) Tj ET Q q 0 0 0 rg BT 57.00 527.83 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.25 527.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.90 527.67 Td (2,295.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.40 527.67 Td (100.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.90 527.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.25 527.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.90 527.67 Td (2,213.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.40 527.67 Td (100.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.90 527.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 514.10 146.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.75 514.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.75 514.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.75 514.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 514.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.75 514.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.75 514.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.75 514.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 488.10 146.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.75 488.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.75 488.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.75 488.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 488.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.75 488.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.75 488.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.75 488.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 462.10 146.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.75 462.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.75 462.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.75 462.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 462.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.75 462.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.75 462.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.75 462.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 436.10 146.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.75 436.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.75 436.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.75 436.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 436.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.75 436.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.75 436.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.75 436.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 410.10 146.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.75 410.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.75 410.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.75 410.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 410.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.75 410.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.75 410.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.75 410.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 384.10 146.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.75 384.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.75 384.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.75 384.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 384.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.75 384.10 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.75 384.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.75 384.10 90.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.75 384.1 m 284.75 384.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.75 372.1 m 284.75 372.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.75 370.1 m 284.75 370.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 384.1 m 378.75 384.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 372.1 m 378.75 372.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.75 370.1 m 378.75 370.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 384.1 m 472.75 384.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 372.1 m 472.75 372.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 370.1 m 472.75 370.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.75 384.1 m 566.75 384.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.75 372.1 m 566.75 372.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.75 370.1 m 566.75 370.1 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 504.83 Td (Region) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 491.67 Td ( New England) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.25 491.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.40 491.67 Td (45.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.40 491.67 Td (2.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.90 491.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.25 491.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.40 491.67 Td (56.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 491.67 Td (2.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.90 491.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 478.67 Td ( Mid-Atlantic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.40 478.67 Td (160.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.40 478.67 Td (7.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.40 478.67 Td (155.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 478.67 Td (7.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 465.67 Td ( East North Central) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.40 465.67 Td (354.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.40 465.67 Td (15.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.40 465.67 Td (282.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 465.67 Td (12.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 452.67 Td ( ) Tj ET Q q 0 0 0 rg BT 63.66 452.67 Td (W) Tj ET Q q 0 0 0 rg BT 72.61 452.67 Td (est North Central) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.40 452.67 Td (190.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.40 452.67 Td (8.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.40 452.67 Td (210.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 452.67 Td (9.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 439.67 Td ( South ) Tj ET Q q 0 0 0 rg BT 89.31 439.67 Td (Atlantic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.40 439.67 Td (485.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.40 439.67 Td (21.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.40 439.67 Td (494.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 439.67 Td (22.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 426.67 Td ( East South Central) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.40 426.67 Td (105.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.40 426.67 Td (4.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.40 426.67 Td (88.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 426.67 Td (4.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 413.67 Td ( ) Tj ET Q q 0 0 0 rg BT 63.66 413.67 Td (W) Tj ET Q q 0 0 0 rg BT 72.61 413.67 Td (est South Central) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.40 413.67 Td (240.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.40 413.67 Td (10.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.40 413.67 Td (247.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 413.67 Td (1) Tj ET Q q 0 0 0 rg BT 545.40 413.67 Td (1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 400.67 Td ( Mountain) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.40 400.67 Td (242.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.40 400.67 Td (10.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.40 400.67 Td (251.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 400.67 Td (1) Tj ET Q q 0 0 0 rg BT 545.40 400.67 Td (1.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 387.67 Td ( Pacific) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.40 387.67 Td (469.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.40 387.67 Td (20.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.40 387.67 Td (427.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 387.67 Td (19.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 374.83 Td (T) Tj ET Q q 0 0 0 rg BT 57.00 374.83 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.25 374.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.90 374.67 Td (2,295.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.40 374.67 Td (100.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.90 374.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.25 374.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.90 374.67 Td (2,213.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.40 374.67 Td (100.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.90 374.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 347.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 347.60 Td (e evaluate each of our mortgage loans individually for impairment and assign an internal credit quality rating based on a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 335.60 Td (comprehensive rating system used to evaluate the credit risk of the loan. ) Tj ET Q q 0 0 0 rg BT 343.12 335.60 Td (The factors we use to derive our internal credit ratings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 323.60 Td (may include the following:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 299.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 299.60 Td (Loan-to-value ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 287.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 287.60 Td (Debt service coverage ratio based on current operating income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 275.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 275.60 Td (Property location, including regional economics, trends and demographics) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 263.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 263.60 Td (Age, condition, and construction quality of property) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 251.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 251.60 Td (Current and historical occupancy of property) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 239.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 239.60 Td (Lease terms relative to market) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 227.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 227.60 Td (T) Tj ET Q q 0 0 0 rg BT 90.91 227.60 Td (enant size and financial strength) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 215.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 215.60 Td (Borrower's financial strength) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 203.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 203.60 Td (Borrower's equity in transaction) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 191.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 191.60 Td (Additional collateral, if any) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 167.60 Td (Although all available and applicable factors are considered in our analysis, loan-to-value and debt service coverage ratios are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 155.60 Td (the most critical factors in determining whether we will initially issue the loan and also in assigning values and determining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 143.60 Td (impairment. ) Tj ET Q q 0 0 0 rg BT 102.92 143.60 Td (W) Tj ET Q q 0 0 0 rg BT 111.56 143.60 Td (e assign an overall rating to each loan using an internal rating scale of ) Tj ET Q q 0 0 0 rg BT 392.57 143.60 Td (Aa \(highest quality\) to B \(lowest quality\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 131.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 131.60 Td (e review and adjust, as needed, our internal credit quality ratings on an annual basis. ) Tj ET Q q 0 0 0 rg BT 399.79 131.60 Td (This review process is performed more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 119.60 Td (frequently for mortgage loans deemed to have a higher risk of delinquency) Tj ET Q q 0 0 0 rg BT 347.91 119.60 Td (. ) Tj ET Q endstream endobj 289 0 obj <> endobj 290 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 3 - Investments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (140) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (Mortgage loans, sorted by the applicable credit quality indicators, are as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 641.10 346.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.75 641.10 84.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.75 641.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.75 641.10 84.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 615.10 346.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.75 615.10 84.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.75 615.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.75 615.10 84.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 589.10 346.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.75 589.10 84.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.75 589.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.75 589.10 84.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.75 667.1 m 478.75 667.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.75 667.1 m 482.75 667.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.75 667.1 m 566.75 667.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.75 654.1 m 478.75 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.75 654.1 m 566.75 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.75 641.1 m 478.75 641.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.75 641.1 m 482.75 641.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.75 641.1 m 566.75 641.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.75 576.1 m 478.75 576.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.75 564.1 m 478.75 564.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.75 562.1 m 478.75 562.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.75 576.1 m 566.75 576.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.75 564.1 m 566.75 564.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.75 562.1 m 566.75 562.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.45 670.67 Td (December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.25 657.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.25 657.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.10 644.67 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 631.83 Td (Internal Rating) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 618.67 Td ( ) Tj ET Q q 0 0 0 rg BT 63.47 618.67 Td (Aa) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.25 618.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.90 618.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.25 618.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 618.67 Td (0.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 605.67 Td ( ) Tj ET Q q 0 0 0 rg BT 63.47 605.67 Td (A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.40 605.67 Td (477.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 605.67 Td (445.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 592.67 Td ( Baa) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.90 592.67 Td (1,814.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 592.67 Td (1,753.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 579.67 Td ( Ba) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.40 579.67 Td (3.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 579.67 Td (14.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 566.83 Td (T) Tj ET Q q 0 0 0 rg BT 57.00 566.83 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.25 566.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.90 566.67 Td (2,295.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.25 566.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 566.67 Td (2,213.2) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 553.10 346.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.75 553.10 84.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.75 553.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.75 553.10 84.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 527.10 346.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.75 527.10 84.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.75 527.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.75 527.10 84.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 501.10 346.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.75 501.10 84.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.75 501.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.75 501.10 84.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.75 488.1 m 478.75 488.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.75 476.1 m 478.75 476.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.75 474.1 m 478.75 474.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.75 488.1 m 566.75 488.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.75 476.1 m 566.75 476.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.75 474.1 m 566.75 474.1 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 543.83 Td (Loan-to-V) Tj ET Q q 0 0 0 rg BT 95.23 543.83 Td (alue Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 530.67 Td ( <= 65%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.25 530.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.90 530.67 Td (1,204.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.25 530.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 530.67 Td (1,101.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 517.67 Td ( > 65% <= 75%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.90 517.67 Td (1,049.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 517.67 Td (1,041.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 504.67 Td ( > 75% <= 85%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.40 504.67 Td (1) Tj ET Q q 0 0 0 rg BT 462.40 504.67 Td (1.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 504.67 Td (49.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 491.67 Td ( > 85%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.40 491.67 Td (29.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 491.67 Td (20.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 478.83 Td (T) Tj ET Q q 0 0 0 rg BT 57.00 478.83 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.25 478.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.90 478.67 Td (2,295.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.25 478.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 478.67 Td (2,213.2) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 449.60 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 449.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.58 449.60 Td (, we held) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.46 449.60 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.90 449.60 Td (mortgage loan that was greater than 90 days past due regarding principal and/or interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 437.60 Td (payments which was modified in a troubled debt restructuring during the second quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.51 437.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.51 437.60 Td (. ) Tj ET Q q 0 0 0 rg BT 442.83 437.60 Td (The loan had a principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 425.60 Td (balance of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.36 425.60 Td ($3.6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.25 425.60 Td (prior to the restructuring, wherein the terms of the loan were modified to reduce monthly payments to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 413.60 Td (interest-only at the current note rate and to permit a discounted payof) Tj ET Q q 0 0 0 rg BT 326.17 413.60 Td (f by September 2018. ) Tj ET Q q 0 0 0 rg BT 416.71 413.60 Td (At the time of restructuring in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 401.60 Td (second quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.41 401.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.41 401.60 Td (, we recorded an allowance for credit losses and recognized an impairment loss of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.57 401.60 Td ($0.2 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.46 401.60 Td ( resulting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 389.60 Td (in a net realizable value for the loan of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.37 389.60 Td ($3.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.26 389.60 Td (. ) Tj ET Q q 0 0 0 rg BT 262.58 389.60 Td (The payof) Tj ET Q q 0 0 0 rg BT 303.22 389.60 Td (f of the loan did not occur in September 2018 and therefore, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 377.60 Td (loan was considered impaired as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.79 377.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.37 377.60 Td (. ) Tj ET Q q 0 0 0 rg BT 278.32 377.60 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.82 377.60 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.40 377.60 Td (, we held ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.28 377.60 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.28 377.60 Td ( mortgage loans that were greater ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 365.60 Td (than 90 days past due regarding principal and/or interest payments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 341.60 Td (There were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.24 341.60 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.24 341.60 Td ( troubled debt restructurings during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.38 341.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.38 341.60 Td (. During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.71 341.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.71 341.60 Td (, we foreclosed on a mortgage loan with a carrying value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 329.60 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.33 329.60 Td ($5.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.22 329.60 Td (. ) Tj ET Q q 0 0 0 rg BT 116.54 329.60 Td (W) Tj ET Q q 0 0 0 rg BT 125.18 329.60 Td (e did not recognize a loss at foreclosure as the value of the underlying property exceeded the carrying value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 317.60 Td (the loan. ) Tj ET Q q 0 0 0 rg BT 88.75 317.60 Td (W) Tj ET Q q 0 0 0 rg BT 97.39 317.60 Td (e had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.27 317.60 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.27 317.60 Td ( realized losses on loan foreclosures for the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.74 317.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.32 317.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.32 317.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.32 317.60 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.26 317.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.26 317.60 Td ( other than any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 305.60 Td (initial impairment loss recognized prior to foreclosure.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 281.60 Td (There have been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.07 281.60 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.07 281.60 Td ( changes to our accounting policies or methodology from the prior period regarding estimating the allowance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 269.60 Td (for credit losses on our mortgage loans. ) Tj ET Q q 0 0 0 rg BT 212.34 269.60 Td (There was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.20 269.60 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.20 269.60 Td ( activity in the allowance for credit losses for the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 257.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.08 257.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.08 257.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.08 257.60 Td ( or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.41 257.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.41 257.60 Td ( other than previously mentioned impairment loss of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.60 257.60 Td ($0.2 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.49 257.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 233.60 Td (Our average investment in impaired mortgage loans was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.76 233.60 Td ($2.3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.65 233.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.09 233.60 Td ($2.2 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.98 233.60 Td ( for the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.34 233.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 554.92 233.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 221.60 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.44 221.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.44 221.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 139.10 221.60 Td (. ) Tj ET Q q 0 0 0 rg BT 146.42 221.60 Td (W) Tj ET Q q 0 0 0 rg BT 155.06 221.60 Td (e did not hold any impaired mortgage loans for the year ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.64 221.60 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.23 221.60 Td (. ) Tj ET Q q 0 0 0 rg BT 492.55 221.60 Td (W) Tj ET Q q 0 0 0 rg BT 501.18 221.60 Td (e did not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 209.60 Td (recognize any interest income during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.28 209.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.28 209.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.28 209.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.28 209.60 Td ( or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.61 209.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.61 209.60 Td ( on mortgage loans subsequent to impairment. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 185.60 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 185.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.58 185.60 Td (, we had commitments of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.45 185.60 Td ($13.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.34 185.60 Td ( to fund certain commercial mortgage loans, the amount of which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 173.60 Td (may or may not be funded. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 149.60 Td (T) Tj ET Q q 0 0 0 rg BT 55.24 149.60 Td (ransfers of Financial ) Tj ET Q q 0 0 0 rg BT 145.16 149.60 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 125.60 Td (T) Tj ET Q q 0 0 0 rg BT 54.91 125.60 Td (o manage our cash position more ef) Tj ET Q q 0 0 0 rg BT 197.46 125.60 Td (ficiently) Tj ET Q q 0 0 0 rg BT 230.13 125.60 Td (, we may enter into repurchase agreements with unaf) Tj ET Q q 0 0 0 rg BT 441.26 125.60 Td (filiated financial institutions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 113.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 113.60 Td (e generally use repurchase agreements as a means to finance the purchase of invested assets or for short-term general business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 101.60 Td (purposes until projected cash flows become available from our operations or existing investments. Our repurchase agreements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 89.60 Td (are typically outstanding for less than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.24 89.60 Td (30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.24 89.60 Td ( days. ) Tj ET Q q 0 0 0 rg BT 240.39 89.60 Td (W) Tj ET Q q 0 0 0 rg BT 249.03 89.60 Td (e post collateral through our repurchase agreement transactions whereby the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 77.60 Td (counterparty commits to purchase securities with the agreement to resell them to us at a later) Tj ET Q q 0 0 0 rg BT 419.81 77.60 Td (, specified date. ) Tj ET Q q 0 0 0 rg BT 487.38 77.60 Td (The fair value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 65.60 Td (collateral posted is generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.68 65.60 Td (102) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.68 65.60 Td ( percent of the cash received. ) Tj ET Q endstream endobj 291 0 obj <> endobj 292 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 3 - Investments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (141) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (Our investment policy also permits us to lend fixed maturity securities to unaf) Tj ET Q q 0 0 0 rg BT 361.48 690.60 Td (filiated financial institutions in short-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (securities lending agreements. ) Tj ET Q q 0 0 0 rg BT 175.11 678.60 Td (These agreements increase our investment income with minimal risk. Our securities lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.60 Td (policy requires that a minimum of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.36 666.60 Td (102) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.36 666.60 Td ( percent of the fair value of the securities loaned be maintained as collateral. ) Tj ET Q q 0 0 0 rg BT 513.04 666.60 Td (W) Tj ET Q q 0 0 0 rg BT 521.68 666.60 Td (e may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.60 Td (receive cash and/or securities as collateral under these agreements. Cash received as collateral is typically reinvested in short-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.60 Td (term investments. If securities are received as collateral, we are not permitted to sell or re-post them.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.60 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.94 618.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.53 618.60 Td (, the carrying amount of fixed maturity securities loaned to third parties under our securities lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 606.60 Td (program was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.93 606.60 Td ($164.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.82 606.60 Td (, for which we received collateral in the form of cash and securities of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.20 606.60 Td ($0.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.09 606.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.53 606.60 Td ($171.4 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 594.60 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 594.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 131.05 594.60 Td (. ) Tj ET Q q 0 0 0 rg BT 138.00 594.60 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.44 594.60 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.03 594.60 Td (, the carrying amount of fixed maturity securities loaned to third parties under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.60 Td (our securities lending program was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.52 582.60 Td ($159.2 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.41 582.60 Td (, for which we received collateral in the form of cash and securities of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.79 582.60 Td ($30.5 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 570.60 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 570.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.83 570.60 Td ($135.6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.72 570.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 209.38 570.60 Td (. ) Tj ET Q q 0 0 0 rg BT 216.70 570.60 Td (W) Tj ET Q q 0 0 0 rg BT 225.34 570.60 Td (e had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.22 570.60 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.22 570.60 Td ( outstanding repurchase agreements at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.44 570.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.02 570.60 Td ( or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.35 570.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.35 570.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.60 Td (The remaining contractual maturities of our securities lending agreements disaggregated by class of collateral pledged are as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.60 Td (follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 465.10 352.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.75 465.10 81.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.75 465.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.75 465.10 81.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 439.10 352.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.75 439.10 81.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.75 439.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.75 439.10 81.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 413.10 352.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.75 413.10 81.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.75 413.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.75 413.10 81.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.75 504.1 m 481.75 504.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.75 504.1 m 485.75 504.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.75 504.1 m 566.75 504.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.75 491.1 m 481.75 491.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.75 491.1 m 566.75 491.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.75 478.1 m 481.75 478.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.75 478.1 m 485.75 478.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.75 478.1 m 566.75 478.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.75 465.1 m 481.75 465.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.75 465.1 m 485.75 465.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.75 465.1 m 566.75 465.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.75 426.1 m 481.75 426.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.75 426.1 m 566.75 426.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.75 426.1 m 481.75 426.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.75 426.1 m 566.75 426.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.75 400.1 m 481.75 400.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.75 400.1 m 566.75 400.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.75 400.1 m 481.75 400.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.75 376.1 m 481.75 376.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.75 374.1 m 481.75 374.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.75 400.1 m 566.75 400.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.75 376.1 m 566.75 376.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.75 374.1 m 566.75 374.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.45 507.67 Td (December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.75 494.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.75 494.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.15 481.67 Td (Overnight and Continuous) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.10 468.67 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 455.67 Td (United States Government and Government ) Tj ET Q q 0 0 0 rg BT 228.99 455.67 Td (Agencies and ) Tj ET Q q 0 0 0 rg BT 285.08 455.67 Td (Authorities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.25 455.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.90 455.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.25 455.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 455.67 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 442.67 Td (Public Utilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.90 442.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 442.67 Td (0.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 429.67 Td (All Other Corporate Bonds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.40 429.67 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 429.67 Td (29.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 416.67 Td (T) Tj ET Q q 0 0 0 rg BT 57.01 416.67 Td (otal Borrowings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.40 416.67 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 416.67 Td (30.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 403.67 Td (Gross ) Tj ET Q q 0 0 0 rg BT 76.81 403.67 Td (Amount of Recognized Liability for Securities Lending ) Tj ET Q q 0 0 0 rg BT 301.11 403.67 Td (T) Tj ET Q q 0 0 0 rg BT 306.95 403.67 Td (ransactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.40 403.67 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 403.67 Td (30.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 389.77 Td (Amounts Related to ) Tj ET Q q 0 0 0 rg BT 133.19 389.77 Td (Agreements Not Included in Of) Tj ET Q q 0 0 0 rg BT 259.64 389.77 Td (fsetting Disclosure Contained) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 379.77 Td (Herein) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.25 379.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.90 379.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.25 379.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.90 379.77 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 356.60 Td (Certain of our U.S. insurance subsidiaries are members of regional FHLBs. Membership, which requires that we purchase a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 344.60 Td (minimum amount of FHLB common stock on which we receive dividends, provides access to low-cost funding. ) Tj ET Q q 0 0 0 rg BT 502.48 344.60 Td (Advances ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 332.60 Td (received from the FHLB are used for the purchase of fixed maturity securities. ) Tj ET Q q 0 0 0 rg BT 368.00 332.60 Td (Additional common stock purchases may be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 320.60 Td (required, based on the amount of funds we borrow from the FHLBs. ) Tj ET Q q 0 0 0 rg BT 327.32 320.60 Td (The carrying value of common stock owned, collateral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 308.60 Td (posted, and advances received are as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 258.10 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.25 258.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.25 258.10 87.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.25 258.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.25 258.10 87.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 230.10 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.25 230.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.25 230.10 87.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.25 230.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.25 230.10 87.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 202.10 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.25 202.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.25 202.10 87.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.25 202.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.25 202.10 87.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 174.10 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.25 174.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.25 174.10 87.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.25 174.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.25 174.10 87.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 272.1 m 475.25 272.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.25 272.1 m 566.25 272.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 258.1 m 475.25 258.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.25 258.1 m 479.25 258.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.25 258.1 m 566.25 258.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 258.1 m 475.25 258.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.25 258.1 m 479.25 258.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.25 258.1 m 566.25 258.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 174.10000000000002 m 475.25 174.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.25 174.10000000000002 m 566.25 174.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 174.10000000000002 m 475.25 174.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 161.10000000000002 m 475.25 161.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.25 159.10000000000002 m 475.25 159.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.25 174.10000000000002 m 566.25 174.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.25 161.10000000000002 m 566.25 161.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.25 159.10000000000002 m 566.25 159.10000000000002 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.95 276.67 Td (December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.95 276.67 Td (December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.60 262.67 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 248.67 Td (Carrying ) Tj ET Q q 0 0 0 rg BT 89.71 248.67 Td (V) Tj ET Q q 0 0 0 rg BT 96.28 248.67 Td (alue of FHLB Common Stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.75 248.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.90 248.67 Td (24.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.75 248.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 248.67 Td (34.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 234.67 Td (Advances from FHLB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.75 234.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.90 234.67 Td (104.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.75 234.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 234.67 Td (350.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 206.67 Td (Carrying ) Tj ET Q q 0 0 0 rg BT 89.71 206.67 Td (V) Tj ET Q q 0 0 0 rg BT 96.28 206.67 Td (alue of Collateral Posted to FHLB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.75 192.67 Td (Fixed Maturity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.75 192.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.90 192.67 Td (219.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.75 192.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 192.67 Td (213.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.75 178.67 Td (Commercial Mortgage Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.90 178.67 Td (179.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 178.67 Td (331.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 164.67 Td (T) Tj ET Q q 0 0 0 rg BT 57.16 164.67 Td (otal Carrying ) Tj ET Q q 0 0 0 rg BT 112.52 164.67 Td (V) Tj ET Q q 0 0 0 rg BT 118.63 164.67 Td (alue of Collateral Posted to FHLB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.75 164.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.90 164.67 Td (399.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.75 164.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 164.67 Td (544.8) Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 136.60 Td (Of) Tj ET Q q 0 0 0 rg BT 59.87 136.60 Td (fsetting of Financial Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 112.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 112.60 Td (e enter into master netting agreements with each of our derivatives counterparties. ) Tj ET Q q 0 0 0 rg BT 391.17 112.60 Td (These agreements provide for conditional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 100.60 Td (rights of set-of) Tj ET Q q 0 0 0 rg BT 108.20 100.60 Td (f upon the occurrence of an early termination event. ) Tj ET Q q 0 0 0 rg BT 320.05 100.60 Td (An early termination event is considered a default, and it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 88.60 Td (allows the non-defaulting party to of) Tj ET Q q 0 0 0 rg BT 195.67 88.60 Td (fset its contracts in a loss position against any gain positions or payments due to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 76.60 Td (defaulting party) Tj ET Q q 0 0 0 rg BT 112.44 76.60 Td (. Under our agreements, default type events are defined as failure to pay or deliver as contractually agreed, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 64.60 Td (misrepresentation, bankruptcy) Tj ET Q q 0 0 0 rg BT 169.92 64.60 Td (, or mer) Tj ET Q q 0 0 0 rg BT 201.12 64.60 Td (ger without assumption. See Note 4 for further discussion of collateral related to our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 52.60 Td (derivative contracts.) Tj ET Q endstream endobj 293 0 obj <> endobj 294 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 3 - Investments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (142) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 690.60 Td (e have securities lending agreements with unaf) Tj ET Q q 0 0 0 rg BT 245.11 690.60 Td (filiated financial institutions that post collateral to us in return for the use of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (fixed maturity securities. ) Tj ET Q q 0 0 0 rg BT 153.64 678.60 Td (A) Tj ET Q q 0 0 0 rg BT 160.31 678.60 Td ( right of set-of) Tj ET Q q 0 0 0 rg BT 217.62 678.60 Td (f exists that allows us to keep and apply collateral received in the event of default by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.60 Td (the counterparty) Tj ET Q q 0 0 0 rg BT 114.10 666.60 Td (. Default within a securities lending agreement would typically occur if the counterparty failed to return the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.60 Td (securities borrowed from us as contractually agreed. In addition, if we default by not returning collateral received, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.60 Td (counterparty has a right of set-of) Tj ET Q q 0 0 0 rg BT 180.11 642.60 Td (f against our securities or any other amounts due to us. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.60 Td (Shown below are our financial instruments that either meet the accounting requirements that allow them to be of) Tj ET Q q 0 0 0 rg BT 499.46 618.60 Td (fset in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 606.60 Td (balance sheets or that are subject to an enforceable master netting arrangement or similar agreement. Our accounting policy is to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 594.60 Td (not of) Tj ET Q q 0 0 0 rg BT 72.93 594.60 Td (fset these financial instruments in our balance sheets. Net amounts disclosed below have been reduced by the amount of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.60 Td (collateral pledged to or received from our counterparties.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 494.10 111.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 159.75 494.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 163.75 494.10 403.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 468.10 111.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 159.75 468.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 163.75 468.10 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.75 468.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.75 468.10 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.75 468.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.75 468.10 68.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.75 468.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.75 468.10 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.75 468.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.75 468.10 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.75 468.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.75 468.10 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 442.10 111.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 159.75 442.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 163.75 442.10 403.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 416.10 111.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 159.75 416.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 163.75 416.10 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.75 416.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.75 416.10 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.75 416.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.75 416.10 68.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.75 416.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.75 416.10 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.75 416.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.75 416.10 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.75 416.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.75 416.10 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 390.10 111.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 159.75 390.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 163.75 390.10 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.75 390.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.75 390.10 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.75 390.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.75 390.10 68.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.75 390.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.75 390.10 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.75 390.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.75 390.10 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.75 390.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.75 390.10 52.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.75 559.1 m 238.75 559.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.75 559.1 m 242.75 559.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 559.1 m 311.75 559.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.75 559.1 m 315.75 559.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.75 559.1 m 383.75 559.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.75 559.1 m 387.75 559.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 559.1 m 446.75 559.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.75 559.1 m 450.75 559.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 559.1 m 510.75 559.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.75 559.1 m 514.75 559.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.75 559.1 m 566.75 559.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 559.1 m 311.75 559.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 533.1 m 446.75 533.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.75 533.1 m 450.75 533.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 533.1 m 510.75 533.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.75 507.1 m 238.75 507.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 507.1 m 311.75 507.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.75 507.1 m 383.75 507.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 507.1 m 446.75 507.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 507.1 m 510.75 507.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.75 507.1 m 566.75 507.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.75 494.1 m 238.75 494.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.75 494.1 m 242.75 494.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 494.1 m 311.75 494.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.75 494.1 m 315.75 494.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.75 494.1 m 383.75 494.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.75 494.1 m 387.75 494.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 494.1 m 446.75 494.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.75 494.1 m 450.75 494.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 494.1 m 510.75 494.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.75 494.1 m 514.75 494.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.75 494.1 m 566.75 494.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.75 455.1 m 238.75 455.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.75 443.1 m 238.75 443.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.75 441.1 m 238.75 441.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 455.1 m 311.75 455.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 443.1 m 311.75 443.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 441.1 m 311.75 441.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.75 455.1 m 383.75 455.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.75 443.1 m 383.75 443.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.75 441.1 m 383.75 441.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 455.1 m 446.75 455.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 443.1 m 446.75 443.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 441.1 m 446.75 441.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 455.1 m 510.75 455.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 443.1 m 510.75 443.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 441.1 m 510.75 441.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.75 455.1 m 566.75 455.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.75 443.1 m 566.75 443.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.75 441.1 m 566.75 441.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.75 390.1 m 238.75 390.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.75 378.1 m 238.75 378.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.75 376.1 m 238.75 376.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 390.1 m 311.75 390.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 378.1 m 311.75 378.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 376.1 m 311.75 376.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.75 390.1 m 383.75 390.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.75 378.1 m 383.75 378.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.75 376.1 m 383.75 376.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 390.1 m 446.75 390.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 378.1 m 446.75 378.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 376.1 m 446.75 376.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 390.1 m 510.75 390.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 378.1 m 510.75 378.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 376.1 m 510.75 376.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.75 390.1 m 566.75 390.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.75 378.1 m 566.75 378.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.75 376.1 m 566.75 376.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.45 562.67 Td (December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.70 549.67 Td (Gross ) Tj ET Q q 0 0 0 rg BT 197.26 549.67 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.95 549.67 Td (Gross ) Tj ET Q q 0 0 0 rg BT 436.51 549.67 Td (Amount Not) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.70 536.67 Td (of Recognized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.70 536.67 Td (Gross ) Tj ET Q q 0 0 0 rg BT 273.26 536.67 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 536.67 Td (Net ) Tj ET Q q 0 0 0 rg BT 341.31 536.67 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.45 536.67 Td (Of) Tj ET Q q 0 0 0 rg BT 411.91 536.67 Td (fset in Balance Sheet) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.10 523.67 Td (Financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.20 523.67 Td (Of) Tj ET Q q 0 0 0 rg BT 269.66 523.67 Td (fset in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 523.67 Td (Presented in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.10 523.67 Td (Financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.25 523.67 Td (Cash) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.00 523.67 Td (Net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.10 510.67 Td (Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.25 510.67 Td (Balance Sheet) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.75 510.67 Td (Balance Sheet) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.10 510.67 Td (Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 510.67 Td (Collateral) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.85 510.67 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.60 497.67 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 484.83 Td (Financial ) Tj ET Q q 0 0 0 rg BT 93.48 484.83 Td (Assets:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 471.67 Td (Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.25 471.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.40 471.67 Td (30.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.25 471.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.90 471.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.25 471.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.40 471.67 Td (30.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.25 471.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.05 471.72 Td (\(6.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.90 471.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.25 471.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.05 471.72 Td (\(24.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.90 471.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.25 471.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.90 471.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 458.67 Td (Securities Lending) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.40 458.67 Td (164.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.90 458.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.40 458.67 Td (164.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.05 458.72 Td (\(164.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.90 458.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.05 458.72 Td (\(0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.90 458.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.90 458.67 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 445.83 Td (T) Tj ET Q q 0 0 0 rg BT 57.46 445.83 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.25 445.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.40 445.67 Td (195.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.25 445.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.90 445.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.25 445.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.40 445.67 Td (195.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.25 445.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.05 445.72 Td (\(170.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.90 445.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.25 445.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.05 445.72 Td (\(24.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.90 445.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.25 445.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.90 445.67 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 419.83 Td (Financial Liabilities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 406.67 Td (Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.25 406.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.40 406.67 Td (38.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.25 406.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.90 406.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.25 406.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.40 406.67 Td (38.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.25 406.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.05 406.72 Td (\(33.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.90 406.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.25 406.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.90 406.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.25 406.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 406.67 Td (4.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 393.67 Td (Securities Lending) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.40 393.67 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.90 393.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.40 393.67 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.05 393.72 Td (\(0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.90 393.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.90 393.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.90 393.67 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 380.83 Td (T) Tj ET Q q 0 0 0 rg BT 57.00 380.83 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.25 380.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.40 380.67 Td (38.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.25 380.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.90 380.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.25 380.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.40 380.67 Td (38.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.25 380.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.05 380.72 Td (\(33.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.90 380.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.25 380.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.90 380.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.25 380.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 380.67 Td (4.8) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 289.10 111.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 159.75 289.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 163.75 289.10 403.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 263.10 111.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 159.75 263.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 163.75 263.10 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.75 263.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.75 263.10 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.75 263.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.75 263.10 68.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.75 263.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.75 263.10 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.75 263.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.75 263.10 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.75 263.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.75 263.10 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 237.10 111.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 159.75 237.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 163.75 237.10 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.75 237.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.75 237.10 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.75 237.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.75 237.10 68.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.75 237.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.75 237.10 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.75 237.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.75 237.10 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.75 237.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.75 237.10 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 211.10 111.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 159.75 211.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 163.75 211.10 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.75 211.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.75 211.10 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.75 211.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.75 211.10 68.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.75 211.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.75 211.10 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.75 211.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.75 211.10 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.75 211.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.75 211.10 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 185.10 111.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 159.75 185.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 163.75 185.10 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.75 185.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.75 185.10 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.75 185.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.75 185.10 68.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.75 185.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.75 185.10 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.75 185.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.75 185.10 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.75 185.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.75 185.10 52.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.75 354.1 m 238.75 354.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.75 354.1 m 242.75 354.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 354.1 m 311.75 354.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.75 354.1 m 315.75 354.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.75 354.1 m 383.75 354.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.75 354.1 m 387.75 354.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 354.1 m 446.75 354.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.75 354.1 m 450.75 354.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 354.1 m 510.75 354.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.75 354.1 m 514.75 354.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.75 354.1 m 566.75 354.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 354.1 m 311.75 354.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 328.1 m 446.75 328.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.75 328.1 m 450.75 328.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 328.1 m 510.75 328.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.75 302.1 m 238.75 302.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 302.1 m 311.75 302.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.75 302.1 m 383.75 302.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 302.1 m 446.75 302.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 302.1 m 510.75 302.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.75 302.1 m 566.75 302.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.75 289.1 m 238.75 289.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.75 289.1 m 242.75 289.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 289.1 m 311.75 289.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.75 289.1 m 315.75 289.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.75 289.1 m 383.75 289.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.75 289.1 m 387.75 289.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 289.1 m 446.75 289.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.75 289.1 m 450.75 289.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 289.1 m 510.75 289.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.75 289.1 m 514.75 289.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.75 289.1 m 566.75 289.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.75 250.10000000000002 m 238.75 250.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.75 238.10000000000002 m 238.75 238.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.75 236.10000000000002 m 238.75 236.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 250.10000000000002 m 311.75 250.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 238.10000000000002 m 311.75 238.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 236.10000000000002 m 311.75 236.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.75 250.10000000000002 m 383.75 250.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.75 238.10000000000002 m 383.75 238.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.75 236.10000000000002 m 383.75 236.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 250.10000000000002 m 446.75 250.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 238.10000000000002 m 446.75 238.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 236.10000000000002 m 446.75 236.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 250.10000000000002 m 510.75 250.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 238.10000000000002 m 510.75 238.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 236.10000000000002 m 510.75 236.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.75 250.10000000000002 m 566.75 250.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.75 238.10000000000002 m 566.75 238.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.75 236.10000000000002 m 566.75 236.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.75 185.10000000000002 m 238.75 185.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.75 173.10000000000002 m 238.75 173.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 163.75 171.10000000000002 m 238.75 171.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 185.10000000000002 m 311.75 185.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 173.10000000000002 m 311.75 173.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 171.10000000000002 m 311.75 171.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.75 185.10000000000002 m 383.75 185.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.75 173.10000000000002 m 383.75 173.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.75 171.10000000000002 m 383.75 171.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 185.10000000000002 m 446.75 185.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 173.10000000000002 m 446.75 173.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.75 171.10000000000002 m 446.75 171.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 185.10000000000002 m 510.75 185.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 173.10000000000002 m 510.75 173.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 171.10000000000002 m 510.75 171.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.75 185.10000000000002 m 566.75 185.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.75 173.10000000000002 m 566.75 173.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.75 171.10000000000002 m 566.75 171.10000000000002 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.45 357.67 Td (December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.70 344.67 Td (Gross ) Tj ET Q q 0 0 0 rg BT 197.26 344.67 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.95 344.67 Td (Gross ) Tj ET Q q 0 0 0 rg BT 436.51 344.67 Td (Amount Not) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.70 331.67 Td (of Recognized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.70 331.67 Td (Gross ) Tj ET Q q 0 0 0 rg BT 273.26 331.67 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 331.67 Td (Net ) Tj ET Q q 0 0 0 rg BT 341.31 331.67 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.45 331.67 Td (Of) Tj ET Q q 0 0 0 rg BT 411.91 331.67 Td (fset in Balance Sheet) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.10 318.67 Td (Financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.20 318.67 Td (Of) Tj ET Q q 0 0 0 rg BT 269.66 318.67 Td (fset in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 318.67 Td (Presented in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.10 318.67 Td (Financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.25 318.67 Td (Cash) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.00 318.67 Td (Net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.10 305.67 Td (Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.25 305.67 Td (Balance Sheet) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.75 305.67 Td (Balance Sheet) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.10 305.67 Td (Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 305.67 Td (Collateral) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.85 305.67 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.60 292.67 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 279.83 Td (Financial ) Tj ET Q q 0 0 0 rg BT 93.48 279.83 Td (Assets:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 266.67 Td (Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.25 266.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.40 266.67 Td (19.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.25 266.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.90 266.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.25 266.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.40 266.67 Td (19.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.25 266.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.05 266.72 Td (\(4.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.90 266.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.25 266.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.05 266.72 Td (\(15.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.90 266.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.25 266.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.90 266.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 253.67 Td (Securities Lending) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.40 253.67 Td (159.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.90 253.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.40 253.67 Td (159.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.05 253.72 Td (\(128.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.90 253.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.05 253.72 Td (\(30.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.90 253.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.90 253.67 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 240.83 Td (T) Tj ET Q q 0 0 0 rg BT 57.46 240.83 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.25 240.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.40 240.67 Td (178.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.25 240.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.90 240.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.25 240.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.40 240.67 Td (178.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.25 240.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.05 240.72 Td (\(132.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.90 240.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.25 240.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.05 240.72 Td (\(45.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.90 240.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.25 240.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.90 240.67 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 214.83 Td (Financial Liabilities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 201.67 Td (Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.25 201.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.40 201.67 Td (52.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.25 201.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.90 201.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.25 201.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.40 201.67 Td (52.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.25 201.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.05 201.72 Td (\(42.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.90 201.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.25 201.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.90 201.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.25 201.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 201.67 Td (9.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 188.67 Td (Securities Lending) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.40 188.67 Td (30.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.90 188.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.40 188.67 Td (30.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.05 188.72 Td (\(30.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.90 188.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.90 188.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.90 188.67 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 175.83 Td (T) Tj ET Q q 0 0 0 rg BT 57.00 175.83 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.25 175.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.40 175.67 Td (82.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.25 175.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.90 175.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.25 175.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.40 175.67 Td (82.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.25 175.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.05 175.72 Td (\(73.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.90 175.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.25 175.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.90 175.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.25 175.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 175.67 Td (9.3) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 295 0 obj <> endobj 296 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 3 - Investments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (143) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 690.75 Td (Net Investment Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.75 Td (Net investment income reported in our consolidated statements of income is as follows: ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 617.25 293.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.25 617.25 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.25 617.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 617.25 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.25 617.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.25 617.25 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 591.25 293.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.25 591.25 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.25 591.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 591.25 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.25 591.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.25 591.25 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 565.25 293.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.25 565.25 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.25 565.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 565.25 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.25 565.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.25 565.25 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 539.25 293.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.25 539.25 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.25 539.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 539.25 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.25 539.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.25 539.25 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 513.25 293.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.25 513.25 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.25 513.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 513.25 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.25 513.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.25 513.25 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 487.25 293.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.25 487.25 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.25 487.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 487.25 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.25 487.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.25 487.25 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 461.25 293.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.25 461.25 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.25 461.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 461.25 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.25 461.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.25 461.25 72.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.25 643.25 m 414.25 643.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.25 643.25 m 418.25 643.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 643.25 m 490.25 643.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.25 643.25 m 494.25 643.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.25 643.25 m 566.25 643.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.25 630.25 m 414.25 630.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 630.25 m 490.25 630.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.25 630.25 m 566.25 630.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.25 617.25 m 414.25 617.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.25 617.25 m 418.25 617.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 617.25 m 490.25 617.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.25 617.25 m 494.25 617.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.25 617.25 m 566.25 617.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.25 617.25 m 414.25 617.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.25 617.25 m 566.25 617.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.25 500.25 m 414.25 500.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 500.25 m 490.25 500.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.25 500.25 m 566.25 500.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.25 461.25 m 414.25 461.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.25 449.25 m 414.25 449.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.25 447.25 m 414.25 447.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 461.25 m 490.25 461.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 449.25 m 490.25 449.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 447.25 m 490.25 447.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.25 461.25 m 566.25 461.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.25 449.25 m 566.25 449.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.25 447.25 m 566.25 447.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 646.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.45 646.82 Td (Y) Tj ET Q q 0 0 0 rg BT 409.17 646.82 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 633.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.75 633.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.75 633.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.75 633.82 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 620.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.60 620.82 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 607.82 Td (Fixed Maturity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.75 607.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.40 607.82 Td (2,239.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.75 607.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.40 607.82 Td (2,271.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.75 607.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 607.82 Td (2,293.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 594.82 Td (Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.90 594.82 Td (66.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.90 594.82 Td (56.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 594.82 Td (49.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 581.82 Td (Mortgage Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.90 581.82 Td (1) Tj ET Q q 0 0 0 rg BT 392.90 581.82 Td (10.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.90 581.82 Td (104.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 581.82 Td (1) Tj ET Q q 0 0 0 rg BT 544.90 581.82 Td (14.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 568.82 Td (Policy Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.90 568.82 Td (18.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.90 568.82 Td (17.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 568.82 Td (17.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 555.82 Td (Other Long-term Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.75 542.82 Td (Equity Securities) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 138.35 547.35 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.55 542.87 Td (\(0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.40 542.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.90 542.82 Td (1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.90 542.82 Td (1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.75 529.82 Td (Private Equity Partnerships) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 179.18 534.35 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.90 529.82 Td (36.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.90 529.82 Td (25.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 529.82 Td (1) Tj ET Q q 0 0 0 rg BT 549.90 529.82 Td (1.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.75 516.82 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.90 516.82 Td (8.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.90 516.82 Td (10.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 516.82 Td (10.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 503.82 Td (Short-term Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.90 503.82 Td (23.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.90 503.82 Td (1) Tj ET Q q 0 0 0 rg BT 473.90 503.82 Td (1.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.90 503.82 Td (7.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 490.82 Td (Gross Investment Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.40 490.82 Td (2,502.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.40 490.82 Td (2,498.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 490.82 Td (2,505.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.75 477.82 Td (Less Investment Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.90 477.82 Td (35.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.90 477.82 Td (32.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 477.82 Td (31.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.75 464.82 Td (Less Investment Income on Participation Fund ) Tj ET Q q 0 0 0 rg BT 258.61 464.82 Td (Account ) Tj ET Q q 0 0 0 rg BT 294.43 464.82 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.90 464.82 Td (13.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.90 464.82 Td (14.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 464.82 Td (14.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 451.98 Td (Net Investment Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.75 451.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.40 451.82 Td (2,453.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.75 451.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.40 451.82 Td (2,451.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.75 451.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 451.82 Td (2,459.0) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 49.50 429.28 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.75 424.75 Td ( ) Tj ET Q q 0 0 0 rg BT 55.07 424.75 Td (The net unrealized loss recognized in net investment income for the year ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.67 424.75 Td (December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.25 424.75 Td ( related to equity securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 412.75 Td (still held at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.44 412.75 Td (December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.02 412.75 Td ( was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.57 412.75 Td ($3.9 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.47 412.75 Td (.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 49.50 405.28 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.75 400.75 Td ( ) Tj ET Q q 0 0 0 rg BT 55.07 400.75 Td (The net unrealized gain recognized in net investment income for the year ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.32 400.75 Td (December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.91 400.75 Td ( related to private equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 388.75 Td (partnerships still held at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.82 388.75 Td (December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.40 388.75 Td ( was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.95 388.75 Td ($7.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.84 388.75 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 364.75 Td (Realized Investment Gain and Loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 340.75 Td (Realized investment gains and losses are as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 291.25 291.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.00 291.25 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 291.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.00 291.25 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.00 291.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 291.25 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 265.25 291.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.00 265.25 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 265.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.00 265.25 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.00 265.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 265.25 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 239.25 291.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.00 239.25 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 239.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.00 239.25 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.00 239.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 239.25 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 213.25 291.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.00 213.25 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 213.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.00 213.25 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.00 213.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 213.25 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 187.25 291.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.00 187.25 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 187.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.00 187.25 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.00 187.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 187.25 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 161.25 291.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.00 161.25 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 161.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.00 161.25 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.00 161.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 161.25 73.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341 317.25 m 414 317.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414 317.25 m 418 317.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418 317.25 m 491 317.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491 317.25 m 495 317.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 317.25 m 568 317.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341 304.25 m 414 304.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418 304.25 m 491 304.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 304.25 m 568 304.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341 291.25 m 414 291.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414 291.25 m 418 291.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418 291.25 m 491 291.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491 291.25 m 495 291.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 291.25 m 568 291.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341 148.25 m 414 148.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418 148.25 m 491 148.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 148.25 m 568 148.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341 148.25 m 414 148.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341 136.25 m 414 136.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341 134.25 m 414 134.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418 148.25 m 491 148.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418 136.25 m 491 136.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418 134.25 m 491 134.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 148.25 m 568 148.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 136.25 m 568 136.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 134.25 m 568 134.25 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 321.50 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.70 320.82 Td (Y) Tj ET Q q 0 0 0 rg BT 409.42 320.82 Td (ear Ended December 31) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 308.50 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.00 307.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.00 307.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.00 307.82 Td (2016) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 295.50 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.85 294.82 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 281.82 Td (Fixed Maturity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 268.82 Td (Gross Gains on Sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.50 268.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 268.82 Td (9.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.50 268.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.65 268.82 Td (13.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.50 268.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 268.82 Td (34.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 255.82 Td (Gross Losses on Sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.30 255.87 Td (\(15.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 255.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.30 255.87 Td (\(4.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 255.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.30 255.82 Td (\(17.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 564.15 255.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 242.82 Td (Other) Tj ET Q q 0 0 0 rg BT 93.17 242.82 Td (-Than-T) Tj ET Q q 0 0 0 rg BT 126.03 242.82 Td (emporary Impairment Loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.30 242.87 Td (\(17.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 242.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.30 242.87 Td (\(8.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 242.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.30 242.82 Td (\(30.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 564.15 242.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 229.82 Td (Mortgage Loans and Other Invested ) Tj ET Q q 0 0 0 rg BT 199.12 229.82 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 216.82 Td (Gross Gains on Sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 216.82 Td (0.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 216.82 Td (9.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.65 216.82 Td (5.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 203.82 Td (Gross Losses on Sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.15 203.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.30 203.87 Td (\(0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 203.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.30 203.82 Td (\(0.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 564.15 203.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 190.82 Td (Impairment Loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.30 190.87 Td (\(1.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 190.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.30 190.87 Td (\(0.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 190.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.30 190.82 Td (\(5.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 564.15 190.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 177.82 Td (Embedded Derivative in Modified Coinsurance ) Tj ET Q q 0 0 0 rg BT 244.67 177.82 Td (Arrangement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.30 177.87 Td (\(15.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 177.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.65 177.82 Td (30.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 177.82 Td (40.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 164.82 Td (All Other Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 164.82 Td (0.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.30 164.87 Td (\(0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 164.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.30 164.82 Td (\(1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 564.15 164.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 151.82 Td (Foreign Currency ) Tj ET Q q 0 0 0 rg BT 125.63 151.82 Td (T) Tj ET Q q 0 0 0 rg BT 131.39 151.82 Td (ransactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.30 151.87 Td (\(0.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 151.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 151.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.30 151.82 Td (\(0.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 564.15 151.82 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 138.98 Td (Net Realized Investment Gain \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.50 138.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.30 138.87 Td (\(39.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 138.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.50 138.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.65 138.82 Td (40.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.50 138.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 138.82 Td (24.2) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 297 0 obj <> endobj 298 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 4 - Derivative Financial Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (144) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 690.75 Td (Purpose of Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 666.75 Td (e are exposed to certain risks relating to our ongoing business operations. ) Tj ET Q q 0 0 0 rg BT 356.22 666.75 Td (The primary risks managed by using derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.75 Td (instruments are interest rate risk, risk related to matching duration for our assets and liabilities, foreign currency risk, and credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.75 Td (risk.) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 67.00 642.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 72.00 642.75 Td (Historically) Tj ET Q q 0 0 0 rg BT 118.56 642.75 Td (, we have utilized current and forward interest rate swaps, current and forward currency swaps, forward ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.75 Td (treasury locks, currency forward contracts, forward contracts on specific fixed income securities, and credit default swaps. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.75 Td (T) Tj ET Q q 0 0 0 rg BT 55.26 618.75 Td (ransactions hedging interest rate risk are primarily associated with our individual and group long-term care and individual and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 606.75 Td (group disability products. ) Tj ET Q q 0 0 0 rg BT 156.44 606.75 Td (All other product portfolios are periodically reviewed to determine if hedging strategies would be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 594.75 Td (appropriate for risk management purposes. ) Tj ET Q q 0 0 0 rg BT 225.65 594.75 Td (W) Tj ET Q q 0 0 0 rg BT 234.29 594.75 Td (e do not use derivative financial instruments for speculative purposes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 570.75 Td (Derivatives designated as cash flow hedges and used to reduce our exposure to interest rate and duration risk are as follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 546.75 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 85.50 546.75 Td (Inter) Tj ET Q q 0 0 0 rg BT 104.57 546.75 Td (est rate swaps) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.24 546.75 Td ( are used to hedge interest rate risks and to improve the matching of assets and liabilities. ) Tj ET Q q 0 0 0 rg BT 521.97 546.75 Td (An interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 534.75 Td (rate swap is an agreement in which we agree with other parties to exchange, at specified intervals, the dif) Tj ET Q q 0 0 0 rg BT 505.71 534.75 Td (ference ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 522.75 Td (between fixed rate and variable rate interest amounts. ) Tj ET Q q 0 0 0 rg BT 304.11 522.75 Td (W) Tj ET Q q 0 0 0 rg BT 312.75 522.75 Td (e use interest rate swaps to hedge the anticipated purchase of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 510.75 Td (fixed maturity securities thereby protecting us from the potential adverse impact of declining interest rates on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 498.75 Td (associated policy reserves. ) Tj ET Q q 0 0 0 rg BT 196.67 498.75 Td (W) Tj ET Q q 0 0 0 rg BT 205.30 498.75 Td (e also use interest rate swaps to hedge the potential adverse impact of rising interest rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 486.75 Td (in anticipation of issuing fixed rate long-term debt.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 462.75 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 85.50 462.75 Td (Forwar) Tj ET Q q 0 0 0 rg BT 115.69 462.75 Td (d tr) Tj ET Q q 0 0 0 rg BT 129.49 462.75 Td (easury locks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.20 462.75 Td ( are used to minimize interest rate risk associated with the anticipated purchase or disposal of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 450.75 Td (fixed maturity securities. ) Tj ET Q q 0 0 0 rg BT 189.64 450.75 Td (A) Tj ET Q q 0 0 0 rg BT 196.31 450.75 Td ( forward treasury lock is a derivative contract without an initial investment where we and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 438.75 Td (the counterparty agree to purchase or sell a specific U.S. ) Tj ET Q q 0 0 0 rg BT 313.56 438.75 Td (T) Tj ET Q q 0 0 0 rg BT 319.32 438.75 Td (reasury bond at a future date at a pre-determined price.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.75 Td (Derivatives designated as fair value hedges and used to reduce our exposure to interest rate and duration risk are as follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 390.75 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 85.50 390.75 Td (Inter) Tj ET Q q 0 0 0 rg BT 104.57 390.75 Td (est rate swaps) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.24 390.75 Td ( are used to ef) Tj ET Q q 0 0 0 rg BT 217.14 390.75 Td (fectively convert certain of our fixed rate securities into floating rate securities which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 378.75 Td (are used to fund our floating rate long-term debt. Under these swap agreements, we receive a variable rate of interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 366.75 Td (and pay a fixed rate of interest. ) Tj ET Q q 0 0 0 rg BT 214.06 366.75 Td (Additionally) Tj ET Q q 0 0 0 rg BT 263.96 366.75 Td (, we use interest rate swaps to ef) Tj ET Q q 0 0 0 rg BT 393.18 366.75 Td (fectively convert certain fixed rate, long-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 354.75 Td (term debt into floating rate long-term debt. Under these swap agreements, we receive a fixed rate of interest and pay a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 342.75 Td (variable rate of interest.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 318.75 Td (Derivatives designated as either cash flow or fair value hedges and used to reduce our exposure to foreign currency risk are as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 306.75 Td (follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 282.75 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 85.50 282.75 Td (For) Tj ET Q q 0 0 0 rg BT 100.13 282.75 Td (eign curr) Tj ET Q q 0 0 0 rg BT 136.70 282.75 Td (ency inter) Tj ET Q q 0 0 0 rg BT 176.03 282.75 Td (est rate swaps) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.70 282.75 Td ( are used to hedge the currency risk of certain foreign currency-denominated fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 270.75 Td (maturity securities owned for portfolio diversification. Under these swap agreements, we agree to pay) Tj ET Q q 0 0 0 rg BT 494.71 270.75 Td (, at specified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 258.75 Td (intervals, fixed rate foreign currency-denominated principal and interest payments in exchange for fixed rate payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 246.75 Td (in the functional currency of the operating segment. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 222.75 Td (Derivatives not designated as hedging instruments and used to reduce our exposure to foreign currency risk, credit losses on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 210.75 Td (securities owned, and interest rate risk are as follows: ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 67.50 186.75 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 85.50 186.75 Td (For) Tj ET Q q 0 0 0 rg BT 100.13 186.75 Td (eign curr) Tj ET Q q 0 0 0 rg BT 136.70 186.75 Td (ency inter) Tj ET Q q 0 0 0 rg BT 176.03 186.75 Td (est rate swaps) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.70 186.75 Td ( previously designated as hedges were used to hedge the currency risk of certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 174.75 Td (foreign currency-denominated fixed maturity securities owned for portfolio diversification. ) Tj ET Q q 0 0 0 rg BT 454.92 174.75 Td (These derivatives were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 162.75 Td (ef) Tj ET Q q 0 0 0 rg BT 93.09 162.75 Td (fective hedges prior to novation to a new counterparty) Tj ET Q q 0 0 0 rg BT 309.03 162.75 Td (. In conjunction with the novation, these derivatives were de-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 150.75 Td (designated as hedges. ) Tj ET Q q 0 0 0 rg BT 176.68 150.75 Td (W) Tj ET Q q 0 0 0 rg BT 185.32 150.75 Td (e agree to pay) Tj ET Q q 0 0 0 rg BT 240.47 150.75 Td (, at specified intervals, fixed rate foreign currency-denominated principal and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 138.75 Td (interest payments in exchange for fixed rate payments in the functional currency of the operating segment. ) Tj ET Q q 0 0 0 rg BT 516.28 138.75 Td (W) Tj ET Q q 0 0 0 rg BT 524.91 138.75 Td (e hold ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 126.75 Td (of) Tj ET Q q 0 0 0 rg BT 93.65 126.75 Td (fsetting swaps wherein we agree to pay fixed rate principal and interest payments in the functional currency of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 114.75 Td (operating segment in exchange for fixed rate foreign currency-denominated payments.) Tj ET Q endstream endobj 299 0 obj <> endobj 300 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 4 - Derivative Financial Instruments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (145) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 67.50 690.60 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 85.50 690.60 Td (Cr) Tj ET Q q 0 0 0 rg BT 95.69 690.60 Td (edit default swaps) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.91 690.60 Td ( are used as economic hedges against credit risk but do not qualify for hedge accounting. ) Tj ET Q q 0 0 0 rg BT 527.25 690.60 Td (A) Tj ET Q q 0 0 0 rg BT 533.92 690.60 Td ( credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 678.60 Td (default swap is an agreement in which we agree with another party to pay) Tj ET Q q 0 0 0 rg BT 379.46 678.60 Td (, at specified intervals, a fixed-rate fee in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 666.60 Td (exchange for insurance against a credit event on a specific investment. If a defined credit event occurs, our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 654.60 Td (counterparty may either pay us a net cash settlement, or we may surrender the specific investment to them in exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 642.60 Td (for cash equal to the full notional amount of the swap. Credit events typically include events such as bankruptcy) Tj ET Q q 0 0 0 rg BT 535.84 642.60 Td (, failure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 630.60 Td (to pay) Tj ET Q q 0 0 0 rg BT 109.57 630.60 Td (, or certain types of debt restructuring. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 606.60 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 85.50 606.60 Td (Inter) Tj ET Q q 0 0 0 rg BT 104.57 606.60 Td (est rate swap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.35 606.60 Td ( was used to ef) Tj ET Q q 0 0 0 rg BT 216.59 606.60 Td (fectively convert certain of our floating rate, long-term debt into fixed rate long-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 594.60 Td (debt. Under this swap agreement, we received a variable rate of interest and paid a fixed rate of interest.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 570.60 Td (Derivative Risks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.60 Td (The basic types of risks associated with derivatives are market risk \(that the value of the derivative will be adversely impacted by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.60 Td (changes in the market, primarily the change in interest and exchange rates\) and credit risk \(that the counterparty will not perform ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.60 Td (according to the terms of the contract\). ) Tj ET Q q 0 0 0 rg BT 209.53 522.60 Td (The market risk of the derivatives should generally of) Tj ET Q q 0 0 0 rg BT 424.29 522.60 Td (fset the market risk associated with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.60 Td (the hedged financial instrument or liability) Tj ET Q q 0 0 0 rg BT 219.64 510.60 Td (. ) Tj ET Q q 0 0 0 rg BT 226.96 510.60 Td (T) Tj ET Q q 0 0 0 rg BT 232.37 510.60 Td (o help limit the credit exposure of the derivatives, we enter into master netting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 498.60 Td (agreements with our counterparties whereby contracts in a gain position can be of) Tj ET Q q 0 0 0 rg BT 376.43 498.60 Td (fset against contracts in a loss position. ) Tj ET Q q 0 0 0 rg BT 537.61 498.60 Td (W) Tj ET Q q 0 0 0 rg BT 546.25 498.60 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 486.60 Td (also typically enter into bilateral, cross-collateralization agreements with our counterparties to help limit the credit exposure of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 474.60 Td (the derivatives. ) Tj ET Q q 0 0 0 rg BT 115.41 474.60 Td (These agreements require the counterparty in a loss position to submit acceptable collateral with the other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 462.60 Td (counterparty in the event the net loss position meets or exceeds an agreed upon amount. Our credit exposure on derivatives, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 450.60 Td (which is limited to the value of those contracts in a net gain position, including accrued interest receivable less collateral held, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 438.60 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.55 438.60 Td ($0.9 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.44 438.60 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.66 438.60 Td (December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.24 438.60 Td (. ) Tj ET Q q 0 0 0 rg BT 214.19 438.60 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.64 438.60 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.22 438.60 Td ( we did not have any credit exposure on derivatives. ) Tj ET Q q 0 0 0 rg BT 530.31 438.60 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 426.60 Td (table below summarizes the nature and amount of collateral received from and posted to our derivative counterparties. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 388.10 319.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.25 388.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.25 388.10 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.25 388.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.25 388.10 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 360.10 319.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.25 360.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.25 360.10 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.25 360.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.25 360.10 95.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.25 402.1 m 467.25 402.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.25 402.1 m 566.25 402.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.25 388.1 m 467.25 388.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.25 388.1 m 471.25 388.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.25 388.1 m 566.25 388.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.95 406.67 Td (December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.95 406.67 Td (December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.60 392.67 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 378.67 Td (Carrying ) Tj ET Q q 0 0 0 rg BT 89.71 378.67 Td (V) Tj ET Q q 0 0 0 rg BT 96.28 378.67 Td (alue of Collateral Received from Counterparties) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.75 364.67 Td (Cash) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.75 364.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.90 364.67 Td (24.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.75 364.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 364.67 Td (15.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 350.67 Td (Carrying ) Tj ET Q q 0 0 0 rg BT 89.62 350.67 Td (V) Tj ET Q q 0 0 0 rg BT 95.73 350.67 Td (alue of Collateral Posted to Counterparties) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.75 336.67 Td (Fixed Maturity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.75 336.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.90 336.67 Td (33.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.75 336.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 336.67 Td (46.4) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 308.60 Td (See Note 3 for further discussion of our master netting agreements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 284.60 Td (The majority of our derivative instruments contain provisions that require us to maintain specified issuer credit ratings and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 272.60 Td (financial strength ratings. Should our ratings fall below these specified levels, we would be in violation of the provisions, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 260.60 Td (our derivatives counterparties could terminate our contracts and request immediate payment. ) Tj ET Q q 0 0 0 rg BT 425.02 260.60 Td (The aggregate fair value of all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 248.60 Td (derivative instruments with credit risk-related contingent features that were in a liability position was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.60 248.60 Td ($38.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.50 248.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.93 248.60 Td ($52.2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 236.60 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 236.60 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.61 236.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.19 236.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.63 236.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.63 236.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 261.29 236.60 Td (.) Tj ET Q endstream endobj 301 0 obj <> endobj 302 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 4 - Derivative Financial Instruments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (146) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 690.75 Td (Derivative T) Tj ET Q q 0 0 0 rg BT 99.94 690.75 Td (ransactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.75 Td (The table below summarizes, by notional amounts, the activity for each category of derivatives. ) Tj ET Q q 0 0 0 rg BT 436.97 666.75 Td (The notional amounts represent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.75 Td (the basis upon which our counterparty pay and receive amounts are calculated.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 583.25 159.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.00 583.25 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.00 583.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.00 583.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.00 583.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.00 583.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 583.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 583.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.00 583.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 583.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.00 583.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 583.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 557.25 159.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.00 557.25 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.00 557.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.00 557.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.00 557.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.00 557.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 557.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 557.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.00 557.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 557.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.00 557.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 557.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 531.25 159.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.00 531.25 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.00 531.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.00 531.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.00 531.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.00 531.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 531.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 531.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.00 531.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 531.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.00 531.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 531.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 505.25 159.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.00 505.25 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.00 505.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.00 505.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.00 505.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.00 505.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 505.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 505.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.00 505.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 505.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.00 505.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 505.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 479.25 159.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.00 479.25 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.00 479.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.00 479.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.00 479.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.00 479.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.00 479.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 479.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.00 479.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 479.25 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.00 479.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 479.25 54.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209 631.25 m 278 631.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278 631.25 m 282 631.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282 631.25 m 336 631.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336 631.25 m 340 631.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340 631.25 m 394 631.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394 631.25 m 398 631.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 631.25 m 452 631.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209 596.25 m 278 596.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282 596.25 m 336 596.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340 596.25 m 394 596.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 596.25 m 452 596.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456 596.25 m 510 596.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 596.25 m 568 596.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209 583.25 m 278 583.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278 583.25 m 282 583.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282 583.25 m 336 583.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336 583.25 m 340 583.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340 583.25 m 394 583.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394 583.25 m 398 583.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 583.25 m 452 583.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452 583.25 m 456 583.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456 583.25 m 510 583.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510 583.25 m 514 583.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 583.25 m 568 583.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209 544.25 m 278 544.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282 544.25 m 336 544.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340 544.25 m 394 544.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 544.25 m 452 544.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456 544.25 m 510 544.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 544.25 m 568 544.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282 544.25 m 336 544.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340 544.25 m 394 544.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 544.25 m 452 544.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456 544.25 m 510 544.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 544.25 m 568 544.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209 505.25 m 278 505.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282 505.25 m 336 505.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340 505.25 m 394 505.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 505.25 m 452 505.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456 505.25 m 510 505.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 505.25 m 568 505.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209 466.25 m 278 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282 466.25 m 336 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340 466.25 m 394 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 466.25 m 452 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456 466.25 m 510 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 466.25 m 568 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209 466.25 m 278 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209 454.25 m 278 454.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209 452.25 m 278 452.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282 466.25 m 336 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282 454.25 m 336 454.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282 452.25 m 336 452.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340 466.25 m 394 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340 454.25 m 394 454.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340 452.25 m 394 452.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 466.25 m 452 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 454.25 m 452 454.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 452.25 m 452 452.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456 466.25 m 510 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456 454.25 m 510 454.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456 452.25 m 510 452.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 466.25 m 568 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 454.25 m 568 454.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 452.25 m 568 452.25 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 635.50 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.90 634.82 Td (Swaps) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.50 634.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.50 634.82 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 600.50 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.85 620.92 Td (Receive) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.45 610.92 Td (V) Tj ET Q q 0 0 0 rg BT 223.56 610.92 Td (ariable/Pay) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.60 600.92 Td (Fixed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.35 620.92 Td (Receive) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.20 610.92 Td (Fixed/Pay) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.10 600.92 Td (Fixed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.35 620.92 Td (Receive) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.20 610.92 Td (Fixed/Pay) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.80 600.92 Td (V) Tj ET Q q 0 0 0 rg BT 355.91 600.92 Td (ariable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.00 610.92 Td (Credit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.50 600.92 Td (Default) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.60 600.92 Td (Forwards) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.25 600.92 Td (T) Tj ET Q q 0 0 0 rg BT 536.01 600.92 Td (otal) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 587.50 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.85 586.82 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 573.98 Td (Balance at December) Tj ET Q q 0 0 0 rg BT 142.93 573.98 Td ( 31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.50 573.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.65 573.82 Td (150.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.50 573.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.65 573.82 Td (650.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.50 573.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.65 573.82 Td (600.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 573.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 573.82 Td (70.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.50 573.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.15 573.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.50 573.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 573.82 Td (1,470.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 560.82 Td (Additions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.65 560.82 Td (3.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 560.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.15 560.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.15 560.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 560.82 Td (30.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 560.82 Td (33.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 547.82 Td (T) Tj ET Q q 0 0 0 rg BT 76.26 547.82 Td (erminations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.65 547.82 Td (48.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.65 547.82 Td (33.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.65 547.82 Td (350.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.15 547.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 547.82 Td (20.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 547.82 Td (451.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 534.98 Td (Balance at December) Tj ET Q q 0 0 0 rg BT 142.93 534.98 Td ( 31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.65 534.82 Td (105.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.65 534.82 Td (616.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.65 534.82 Td (250.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 534.82 Td (70.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 534.82 Td (10.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.15 534.82 Td (1,052.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 521.82 Td (Additions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.15 521.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.65 521.82 Td (26.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.15 521.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.15 521.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 521.82 Td (65.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 521.82 Td (92.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 508.82 Td (T) Tj ET Q q 0 0 0 rg BT 76.26 508.82 Td (erminations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.65 508.82 Td (57.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.65 508.82 Td (106.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.15 508.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.15 508.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 508.82 Td (75.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 508.82 Td (239.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 495.98 Td (Balance at December) Tj ET Q q 0 0 0 rg BT 142.93 495.98 Td ( 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.65 495.82 Td (48.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.65 495.82 Td (536.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.65 495.82 Td (250.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 495.82 Td (70.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.15 495.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 495.82 Td (904.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 482.82 Td (Additions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.15 482.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.65 482.82 Td (78.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.15 482.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 482.82 Td (1) Tj ET Q q 0 0 0 rg BT 435.65 482.82 Td (1.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 482.82 Td (47.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 482.82 Td (136.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.50 469.82 Td (T) Tj ET Q q 0 0 0 rg BT 75.91 469.82 Td (erminations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.65 469.82 Td (48.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.65 469.82 Td (76.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.15 469.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 469.82 Td (70.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 469.82 Td (47.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 469.82 Td (241.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 456.98 Td (Balance at December) Tj ET Q q 0 0 0 rg BT 142.84 456.98 Td ( 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.50 456.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.15 456.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.50 456.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.65 456.82 Td (538.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.50 456.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.65 456.82 Td (250.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 456.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 456.82 Td (1) Tj ET Q q 0 0 0 rg BT 435.65 456.82 Td (1.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.50 456.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.15 456.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.50 456.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 456.82 Td (799.2) Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 429.75 Td (Cash Flow Hedges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 405.75 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.94 405.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.53 405.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.97 405.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.97 405.75 Td (, we had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.06 405.75 Td ($286.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.96 405.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.39 405.75 Td ($343.9 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.29 405.75 Td (, respectively) Tj ET Q q 0 0 0 rg BT 417.95 405.75 Td (, notional amount of receive fixed, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 393.75 Td (pay fixed, open current and forward foreign currency interest rate swaps to hedge fixed income foreign currency-denominated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 381.75 Td (securities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 357.75 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.94 357.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.53 357.75 Td (, we expect to amortize approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.30 357.75 Td ($70.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.19 357.75 Td ( of net deferred gains on derivative instruments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 345.75 Td (during the next twelve months. ) Tj ET Q q 0 0 0 rg BT 178.46 345.75 Td (This amount will be reclassified from accumulated other comprehensive income into earnings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 333.75 Td (and reported on the same income statement line item as the hedged item. ) Tj ET Q q 0 0 0 rg BT 345.06 333.75 Td (The income statement line items that will be af) Tj ET Q q 0 0 0 rg BT 532.60 333.75 Td (fected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 321.75 Td (by this amortization are net investment income and interest and debt expense. ) Tj ET Q q 0 0 0 rg BT 364.41 321.75 Td (Additional amounts that may be reclassified from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 309.75 Td (accumulated other comprehensive income into earnings to of) Tj ET Q q 0 0 0 rg BT 293.40 309.75 Td (fset the earnings impact of foreign currency translation of hedged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 297.75 Td (items are not estimable.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 273.75 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.94 273.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.53 273.75 Td (, we are hedging the variability of future cash flows associated with forecasted transactions through the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 261.75 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.21 261.75 Td (2038) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.21 261.75 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 237.75 Td (Fair V) Tj ET Q q 0 0 0 rg BT 75.90 237.75 Td (alue Hedges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 213.75 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.94 213.75 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.53 213.75 Td (, we had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.63 213.75 Td ($48.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.52 213.75 Td ( of notional amount of receive variable, pay fixed interest rate swaps to hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 201.75 Td (the changes in fair value of certain fixed rate securities held which matured in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.26 201.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.26 201.75 Td ( along with the hedged securities. ) Tj ET Q q 0 0 0 rg BT 521.93 201.75 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 189.75 Td (swaps ef) Tj ET Q q 0 0 0 rg BT 84.03 189.75 Td (fectively converted the associated fixed rate securities into floating rate securities, which were used to fund our floating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 177.75 Td (rate long-term debt. During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.47 177.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.47 177.75 Td (, we terminated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.88 177.75 Td ($24.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.78 177.75 Td ( notional amount of receive variable, pay fixed interest rate swaps ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 165.75 Td (in connection with the sale of the hedged securities and recorded a loss on the swap terminations of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.38 165.75 Td ($1.2 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.27 165.75 Td ( in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 153.75 Td (consolidated statements of income as a component of net realized investment gains and losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 141.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 129.75 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.94 129.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.53 129.75 Td (, we had $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.63 129.75 Td (78.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.52 129.75 Td ( notional amount of receive fixed, pay fixed, open current and forward foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 117.75 Td (currency interest rate swaps to hedge fixed income foreign currency-denominated securities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 93.75 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.94 93.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.53 93.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.97 93.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.97 93.75 Td (, we had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.06 93.75 Td (250.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.96 93.75 Td ( notional amount of receive fixed, pay variable interest rate swaps to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 81.75 Td (hedge the changes in the fair value of certain fixed rate long-term debt. ) Tj ET Q q 0 0 0 rg BT 338.36 81.75 Td (These swaps ef) Tj ET Q q 0 0 0 rg BT 399.27 81.75 Td (fectively convert the associated fixed rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 69.75 Td (long-term debt into floating rate debt and provide for a better matching of interest rates with our short-term investments, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 57.75 Td (have frequent interest rate resets similar to a floating rate security) Tj ET Q q 0 0 0 rg BT 310.96 57.75 Td (. During 2016, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.29 57.75 Td ($350.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.19 57.75 Td ( notional amount of receive ) Tj ET Q endstream endobj 303 0 obj <> endobj 304 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 4 - Derivative Financial Instruments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (147) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (fixed, pay variable interest rate swaps matured in conjunction with the maturity of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.23 690.60 Td ($350.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.12 690.60 Td ( hedged fixed rate debt. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (See Note 8.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.60 Td (The following table summarizes the carrying amount of hedged assets and liabilities and the related cumulative basis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.60 Td (adjustments related to our fair value hedges:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 568.10 113.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 162.25 568.10 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.25 568.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.25 568.10 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.25 568.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.25 568.10 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.25 568.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.25 568.10 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 518.10 113.00 -48.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 162.25 518.10 98.00 -48.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.25 518.10 4.00 -48.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.25 518.10 98.00 -48.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.25 518.10 4.00 -48.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.25 518.10 98.00 -48.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.25 518.10 4.00 -48.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.25 518.10 98.00 -48.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 456.10 113.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 162.25 456.10 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.25 456.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.25 456.10 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.25 456.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.25 456.10 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.25 456.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.25 456.10 98.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 162.25 596.1 m 260.25 596.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.25 596.1 m 264.25 596.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.25 596.1 m 362.25 596.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.25 596.1 m 464.25 596.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.25 596.1 m 468.25 596.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.25 596.1 m 566.25 596.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 162.25 596.1 m 260.25 596.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 162.25 582.1 m 260.25 582.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.25 596.1 m 362.25 596.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.25 582.1 m 362.25 582.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.25 596.1 m 464.25 596.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.25 582.1 m 464.25 582.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.25 596.1 m 566.25 596.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.25 582.1 m 566.25 582.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 162.25 568.1 m 260.25 568.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.25 568.1 m 264.25 568.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.25 568.1 m 362.25 568.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.25 568.1 m 366.25 568.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.25 568.1 m 464.25 568.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.25 568.1 m 468.25 568.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.25 568.1 m 566.25 568.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 162.25 568.1 m 260.25 568.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.25 568.1 m 264.25 568.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.25 568.1 m 362.25 568.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.25 568.1 m 366.25 568.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.25 568.1 m 464.25 568.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.25 568.1 m 468.25 568.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.25 568.1 m 566.25 568.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.50 600.77 Td (Carrying ) Tj ET Q q 0 0 0 rg BT 203.27 600.77 Td (Amount of Hedged ) Tj ET Q q 0 0 0 rg BT 282.43 600.77 Td (Assets \(Liabilities\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.30 620.77 Td (Cumulative ) Tj ET Q q 0 0 0 rg BT 428.18 620.77 Td (Amount of Fair ) Tj ET Q q 0 0 0 rg BT 492.53 620.77 Td (V) Tj ET Q q 0 0 0 rg BT 499.11 620.77 Td (alue Hedging) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.35 610.77 Td (Adjustment Included in the Carrying ) Tj ET Q q 0 0 0 rg BT 518.77 610.77 Td (Amount of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.95 600.77 Td (the Hedged ) Tj ET Q q 0 0 0 rg BT 451.99 600.77 Td (Assets \(Liabilities\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.45 586.67 Td (December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.45 586.67 Td (December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.45 586.67 Td (December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.45 586.67 Td (December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.60 572.67 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 558.67 Td (Fixed maturity securities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 542.77 Td (Receive variable interest) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 532.77 Td (rate, pay fixed interest) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 522.77 Td (rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.75 522.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.40 522.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.75 522.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.90 522.77 Td (48.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.75 522.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.40 522.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.75 522.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.90 522.77 Td (0.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 504.77 Td (Receive fixed functional) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 494.77 Td (currency interest, pay) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 484.77 Td (fixed foreign currency) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 474.77 Td (interest) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.75 474.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.90 474.77 Td (56.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.75 474.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.40 474.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.75 474.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.55 474.82 Td (\(2.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.40 474.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.75 474.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 474.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 446.67 Td (Long-term Debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.75 446.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.55 446.67 Td (\(244.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.40 446.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.75 446.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.55 446.72 Td (\(244.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.40 446.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.75 446.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.90 446.67 Td (5.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.75 446.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.90 446.67 Td (4.5) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.60 Td (For the year ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.69 418.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.28 418.60 Td (, $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.28 418.60 Td (2.5 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.17 418.60 Td ( of the derivative instruments' gain was excluded from the assessment of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 406.60 Td (hedge ef) Tj ET Q q 0 0 0 rg BT 83.46 406.60 Td (fectiveness. For the year ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.58 406.60 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.17 406.60 Td (, no component of the derivative instruments' gain or loss was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.60 Td (excluded from the assessment of hedge ef) Tj ET Q q 0 0 0 rg BT 216.48 394.60 Td (fectiveness. ) Tj ET Q q 0 0 0 rg BT 268.23 394.60 Td (There were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.97 394.60 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.97 394.60 Td ( instances wherein we discontinued fair value hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.60 Td (accounting due to a hedged firm commitment no longer qualifying as a fair value hedge.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 358.60 Td (Derivatives not Designated as Hedging Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 334.60 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.94 334.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.53 334.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.97 334.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.97 334.60 Td (, we held ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.84 334.60 Td ($173.7 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.73 334.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.17 334.60 Td ($192.6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.06 334.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 420.73 334.60 Td (, notional amount of receive fixed, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 322.60 Td (pay fixed, foreign currency interest rate swaps. ) Tj ET Q q 0 0 0 rg BT 242.02 322.60 Td (These derivatives are not designated as hedges, and as such, changes in fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.60 Td (value related to these derivatives are reported in earnings as a component of net realized investment gain or loss. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 286.60 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.94 286.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.53 286.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.97 286.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.97 286.60 Td (, we held ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.84 286.60 Td ($1) Tj ET Q q 0 0 0 rg BT 240.47 286.60 Td (1.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.36 286.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.80 286.60 Td ($70.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.69 286.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 410.35 286.60 Td (, notional amount of single name ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 274.60 Td (credit default swaps. ) Tj ET Q q 0 0 0 rg BT 136.79 274.60 Td (W) Tj ET Q q 0 0 0 rg BT 145.43 274.60 Td (e entered into these swaps in order to mitigate the credit risk associated with specific securities owned. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 262.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 250.60 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.94 250.60 Td (December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.53 250.60 Td (, we held ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.40 250.60 Td ($3.5 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.30 250.60 Td ( notional amount of a receive variable, pay fixed interest rate swap acquired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.60 Td (through our purchase of Starmount during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.58 238.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.58 238.60 Td (. ) Tj ET Q q 0 0 0 rg BT 247.90 238.60 Td (This swap ef) Tj ET Q q 0 0 0 rg BT 298.82 238.60 Td (fectively converted Starmount's floating rate long-term debt into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 226.60 Td (fixed rate debt. During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.58 226.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.58 226.60 Td (, we purchased and retired the debt and terminated the interest rate swap. ) Tj ET Q q 0 0 0 rg BT 461.95 226.60 Td (W) Tj ET Q q 0 0 0 rg BT 470.58 226.60 Td (e recorded a loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 214.60 Td (of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.33 214.60 Td ($0.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.22 214.60 Td (on the swap termination in our consolidated statements of income as a component of net realized investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.60 Td (gains and losses. See Note 8. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 178.60 Td (e have an embedded derivative in a modified coinsurance arrangement for which we include in our realized investment gains ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.60 Td (and losses a calculation intended to estimate the value of the option of our reinsurance counterparty to cancel the reinsurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 154.60 Td (contract with us. However) Tj ET Q q 0 0 0 rg BT 157.12 154.60 Td (, neither party can unilaterally terminate the reinsurance agreement except in extreme circumstances ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 142.60 Td (resulting from regulatory supervision, delinquency proceedings,or otherdirect regulatory action. Cash settlements or collateral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 130.60 Td (related to this embedded derivative are not required at any time during the reinsurance contract or at termination of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 118.60 Td (reinsurance contract. ) Tj ET Q q 0 0 0 rg BT 137.61 118.60 Td (There are no credit-related counterparty triggers, and any accumulated embedded derivative gain or loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 106.60 Td (reduces to zero over time as the reinsured business winds down. ) Tj ET Q endstream endobj 305 0 obj <> endobj 306 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 4 - Derivative Financial Instruments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (148) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 690.75 Td (Locations and ) Tj ET Q q 0 0 0 rg BT 110.25 690.75 Td (Amounts of Derivative Financial Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.75 Td (The following tables summarize the location and fair values of derivative financial instruments, as reported in our consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.75 Td (balance sheets. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 579.25 195.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.00 579.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 579.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 579.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.00 579.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.00 579.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 579.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 579.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 553.25 195.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.00 553.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 553.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 553.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.00 553.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.00 553.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 553.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 553.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 527.25 195.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.00 527.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 527.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 527.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.00 527.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.00 527.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 527.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 527.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 501.25 195.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.00 501.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 501.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 501.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.00 501.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.00 501.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 501.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 501.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 475.25 195.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.00 475.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 475.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 475.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.00 475.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.00 475.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 475.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 475.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 449.25 195.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.00 449.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 449.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 449.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.00 449.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.00 449.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 449.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 449.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 423.25 195.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.00 423.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 423.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 423.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.00 423.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.00 423.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 423.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 423.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 397.25 195.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.00 397.25 100.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 397.25 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 397.25 55.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.00 397.25 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.00 397.25 100.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 397.25 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 397.25 55.00 -25.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245 631.25 m 345 631.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345 631.25 m 349 631.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 631.25 m 404 631.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404 631.25 m 408 631.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408 631.25 m 508 631.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 631.25 m 512 631.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 631.25 m 567 631.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245 618.25 m 345 618.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345 618.25 m 349 618.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 618.25 m 404 618.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408 618.25 m 508 618.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 618.25 m 512 618.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 618.25 m 567 618.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245 592.25 m 345 592.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 592.25 m 404 592.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408 592.25 m 508 592.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 592.25 m 567 592.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245 579.25 m 345 579.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345 579.25 m 349 579.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 579.25 m 404 579.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404 579.25 m 408 579.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408 579.25 m 508 579.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 579.25 m 512 579.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 579.25 m 567 579.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 488.25 m 404 488.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 488.25 m 567 488.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 488.25 m 567 488.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 462.25 m 404 462.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 450.25 m 404 450.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 448.25 m 404 448.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 462.25 m 567 462.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 450.25 m 567 450.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 448.25 m 567 448.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 448.25 m 567 448.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 450.25 m 567 450.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 372.25 m 404 372.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 349.25 m 404 349.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 347.25 m 404 347.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 372.25 m 567 372.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 349.25 m 567 349.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 347.25 m 567 347.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 634.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.20 634.82 Td (December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 621.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.85 621.82 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 333.28 621.82 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.35 621.82 Td (Derivative Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 596.92 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.00 606.92 Td (BalanceSheet) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.70 596.92 Td (Location) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.90 606.92 Td (Fair) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.60 596.92 Td (V) Tj ET Q q 0 0 0 rg BT 370.71 596.92 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.00 606.92 Td (BalanceSheet) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.70 596.92 Td (Location) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.90 606.92 Td (Fair) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.60 596.92 Td (V) Tj ET Q q 0 0 0 rg BT 533.71 596.92 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.35 582.82 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 569.98 Td (Designated as Hedging Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 556.82 Td (Cash Flow Hedges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 543.82 Td (Foreign Exchange Contracts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.50 543.82 Td (Other L-T) Tj ET Q q 0 0 0 rg BT 288.23 543.82 Td ( Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.50 543.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.65 543.82 Td (25.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.50 543.82 Td (Other Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.50 543.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 543.82 Td (7.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 517.82 Td (Fair ) Tj ET Q q 0 0 0 rg BT 71.02 517.82 Td (V) Tj ET Q q 0 0 0 rg BT 77.60 517.82 Td (alue Hedges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 504.82 Td (Interest Rate Swaps) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.50 504.82 Td (OtherL-T) Tj ET Q q 0 0 0 rg BT 288.23 504.82 Td (Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.15 504.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.50 504.82 Td (OtherLiabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 504.82 Td (5.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 491.82 Td (Foreign Exchange Contracts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.50 491.82 Td (Other L-T) Tj ET Q q 0 0 0 rg BT 288.23 491.82 Td ( Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 491.82 Td (5.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.50 491.82 Td (Other Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 491.82 Td (0.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 478.82 Td (T) Tj ET Q q 0 0 0 rg BT 58.26 478.82 Td (otal Fair ) Tj ET Q q 0 0 0 rg BT 93.92 478.82 Td (V) Tj ET Q q 0 0 0 rg BT 100.50 478.82 Td (alue Hedges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 478.82 Td (5.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 478.82 Td (5.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 452.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.71 452.98 Td (otal Designated as Hedging Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.50 452.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.65 452.82 Td (30.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.50 452.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 452.82 Td (13.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 426.98 Td (Not Designated as Hedging Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 413.82 Td (Credit Default Swaps) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.50 413.82 Td (Other L-T) Tj ET Q q 0 0 0 rg BT 288.23 413.82 Td ( Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.50 413.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 413.82 Td (0.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.50 413.82 Td (Other Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.50 413.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 413.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 400.82 Td (Foreign Exchange Contracts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.50 400.82 Td (Other L-T) Tj ET Q q 0 0 0 rg BT 288.23 400.82 Td ( Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.15 400.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.50 400.82 Td (Other Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 400.82 Td (24.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 387.82 Td (Embedded Derivative in Modified) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 377.82 Td (Coinsurance ) Tj ET Q q 0 0 0 rg BT 104.43 377.82 Td (Arrangement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.50 376.92 Td (Other L-T) Tj ET Q q 0 0 0 rg BT 288.23 376.92 Td ( Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.15 376.92 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.50 376.92 Td (Other Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 376.92 Td (31.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 362.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 362.98 Td (otal Not Designated as Hedging) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 352.98 Td (Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.50 352.92 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 352.92 Td (0.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.50 352.92 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 352.92 Td (55.6) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 273.25 195.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.00 273.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 273.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 273.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.00 273.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.00 273.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 273.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 273.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 247.25 195.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.00 247.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 247.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 247.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.00 247.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.00 247.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 247.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 247.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 221.25 195.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.00 221.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 221.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 221.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.00 221.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.00 221.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 221.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 221.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 195.25 195.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.00 195.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 195.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 195.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.00 195.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.00 195.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 195.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 195.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 170.25 195.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.00 170.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 170.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 170.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.00 170.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.00 170.25 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 170.25 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 170.25 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 144.25 195.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.00 144.25 100.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 144.25 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 144.25 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.00 144.25 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.00 144.25 100.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 144.25 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 144.25 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 116.25 195.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.00 116.25 100.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 116.25 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 116.25 55.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.00 116.25 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.00 116.25 100.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 116.25 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 116.25 55.00 -26.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245 325.25 m 345 325.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345 325.25 m 349 325.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 325.25 m 404 325.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404 325.25 m 408 325.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408 325.25 m 508 325.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 325.25 m 512 325.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 325.25 m 567 325.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245 312.25 m 345 312.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345 312.25 m 349 312.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 312.25 m 404 312.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408 312.25 m 508 312.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 312.25 m 512 312.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 312.25 m 567 312.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245 286.25 m 345 286.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 286.25 m 404 286.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408 286.25 m 508 286.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 286.25 m 567 286.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245 273.25 m 345 273.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345 273.25 m 349 273.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 273.25 m 404 273.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404 273.25 m 408 273.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408 273.25 m 508 273.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 273.25 m 512 273.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 273.25 m 567 273.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 182.25 m 404 182.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 171.25 m 404 171.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 169.25 m 404 169.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 182.25 m 567 182.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 171.25 m 567 171.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 169.25 m 567 169.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 90.25 m 567 90.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 67.25 m 567 67.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 65.25 m 567 65.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 328.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.20 328.82 Td (December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 315.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.85 315.82 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 333.28 315.82 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.35 315.82 Td (Derivative Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 290.92 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.00 300.92 Td (Balance Sheet) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.70 290.92 Td (Location) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.90 300.92 Td (Fair) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.60 290.92 Td (V) Tj ET Q q 0 0 0 rg BT 370.71 290.92 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.00 300.92 Td (Balance Sheet) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.70 290.92 Td (Location) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.90 300.92 Td (Fair) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.60 290.92 Td (V) Tj ET Q q 0 0 0 rg BT 533.71 290.92 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.35 276.82 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 263.98 Td (Designated as Hedging Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 250.82 Td (Cash Flow Hedges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 237.82 Td (Foreign Exchange Contracts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.50 237.82 Td (Other L-T) Tj ET Q q 0 0 0 rg BT 288.23 237.82 Td ( Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.50 237.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.65 237.82 Td (19.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.50 237.82 Td (Other Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.50 237.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 237.82 Td (19.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 211.82 Td (Fair ) Tj ET Q q 0 0 0 rg BT 71.02 211.82 Td (V) Tj ET Q q 0 0 0 rg BT 77.60 211.82 Td (alue Hedges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 198.82 Td ( Interest Rate Swaps) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.50 198.82 Td (OtherL-T) Tj ET Q q 0 0 0 rg BT 288.23 198.82 Td (Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.15 198.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.50 198.82 Td (OtherLiabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 198.82 Td (5.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 172.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.71 172.98 Td (otal Designated as Hedging Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.50 172.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.65 172.87 Td (19.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.50 172.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 172.87 Td (24.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 147.98 Td (Not Designated as Hedging Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 134.82 Td (Credit Default Swaps) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.50 133.92 Td (Other Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.50 133.92 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 133.92 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 119.82 Td (Foreign Exchange Contracts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.50 119.82 Td (Other Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 119.82 Td (27.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 106.82 Td (Embedded Derivative in Modified) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 96.82 Td (Coinsurance ) Tj ET Q q 0 0 0 rg BT 104.43 96.82 Td (Arrangement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.50 94.92 Td (Other Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 94.92 Td (15.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 80.98 Td (T) Tj ET Q q 0 0 0 rg BT 58.25 80.98 Td (otal Not Designated as Hedging) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 70.98 Td (Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.50 70.92 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 70.92 Td (43.6) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 307 0 obj <> endobj 308 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 4 - Derivative Financial Instruments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (149) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (The following tables summarize the location of gains and losses of derivative financial instruments designated as hedging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (instruments, as reported in our consolidated statements of income. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 596.10 299.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 596.10 70.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 596.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 596.10 70.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 596.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 596.10 70.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 558.10 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 558.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 558.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 558.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 558.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 558.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 530.10 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 530.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 530.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 530.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 530.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 530.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 501.10 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 501.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 501.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 501.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 501.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 501.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 473.10 299.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 473.10 70.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 473.10 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 473.10 70.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 473.10 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 473.10 70.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 444.10 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 444.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 444.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 444.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 444.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 444.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 416.10 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 416.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 416.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 416.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 416.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 416.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 387.10 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 387.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 387.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 387.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 387.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 387.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 359.10 299.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 359.10 70.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 359.10 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 359.10 70.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 359.10 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 359.10 70.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 654.1 m 419 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 654.1 m 423 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 654.1 m 493 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 654.1 m 497 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 654.1 m 567 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 610.1 m 419 610.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 610.1 m 493 610.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 610.1 m 567 610.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 610.1 m 419 610.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 596.1 m 419 596.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 596.1 m 423 596.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 610.1 m 493 610.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 596.1 m 493 596.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 596.1 m 497 596.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 610.1 m 567 610.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 596.1 m 567 596.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 596.1 m 419 596.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 596.1 m 423 596.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 596.1 m 493 596.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 596.1 m 497 596.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 596.1 m 567 596.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 658.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.70 658.67 Td (Y) Tj ET Q q 0 0 0 rg BT 400.42 658.67 Td (ear Ended December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.80 624.77 Td (Net Investment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.50 614.77 Td (Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.50 634.77 Td (Net Realized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.25 624.77 Td (Investment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.75 614.77 Td (Gain \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.00 624.77 Td (Interest and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.55 614.77 Td (Debt Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 600.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.35 600.67 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 586.78 Td (T) Tj ET Q q 0 0 0 rg BT 58.71 586.78 Td (otal Income and Expense Pr) Tj ET Q q 0 0 0 rg BT 178.16 586.78 Td (esented in the Consolidated Statements) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 576.78 Td (of Income of ) Tj ET Q q 0 0 0 rg BT 108.23 576.78 Td (Which Hedged Items ar) Tj ET Q q 0 0 0 rg BT 209.99 576.78 Td (e Recorded) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.50 576.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.15 576.77 Td (2,453.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.50 576.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.30 576.82 Td (\(39.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 576.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 576.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 576.77 Td (167.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 548.78 Td (Gain \(Loss\) on Cash Flow Hedging Relationships) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 534.67 Td (Interest Rate Swaps:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 520.67 Td (Hedged items) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 520.67 Td (310.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 520.67 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 520.67 Td (38.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 505.77 Td (Derivatives Designated as Hedging Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 505.77 Td (67.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.30 505.82 Td (\(0.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 505.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 505.77 Td (2.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 491.67 Td (Foreign Exchange Contracts:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 477.67 Td (Hedged items) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 477.67 Td (18.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 477.67 Td (1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 477.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 462.77 Td (Derivatives Designated as Hedging Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.30 462.82 Td (\(0.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.15 462.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.30 462.82 Td (\(1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 462.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 462.77 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 434.78 Td (Gain \(Loss\) on Fair) Tj ET Q q 0 0 0 rg BT 135.94 434.78 Td ( ) Tj ET Q q 0 0 0 rg BT 138.26 434.78 Td (V) Tj ET Q q 0 0 0 rg BT 144.56 434.78 Td (alue Hedging Relationships) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 420.67 Td (Interest Rate Swaps:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 406.67 Td (Hedged items) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.65 406.67 Td (1.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 406.67 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 406.67 Td (14.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 391.77 Td (Derivatives Designated as Hedging Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.30 391.82 Td (\(0.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.15 391.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.30 391.82 Td (\(0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 391.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 391.77 Td (1.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 377.67 Td (Foreign Exchange Contracts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 363.67 Td (Hedged items) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.65 363.67 Td (0.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.30 363.72 Td (\(2.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 363.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 363.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 348.77 Td (Derivatives Designated as Hedging Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.65 348.77 Td (0.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 348.77 Td (2.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 348.77 Td () Tj ET Q BT /F1 10.00 Tf ET endstream endobj 309 0 obj <> endobj 310 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 4 - Derivative Financial Instruments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (150) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 625.00 299.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 625.00 70.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 625.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 625.00 70.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 625.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 625.00 70.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 587.00 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 587.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 587.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 587.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 587.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 587.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 559.00 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 559.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 559.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 559.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 559.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 559.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 530.00 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 530.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 530.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 530.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 530.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 530.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 502.00 299.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 502.00 70.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 502.00 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 502.00 70.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 502.00 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 502.00 70.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 473.00 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 473.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 473.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 473.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 473.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 473.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 445.00 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 445.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 445.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 445.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 445.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 445.00 70.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 683 m 419 683 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 683 m 423 683 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 683 m 493 683 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 683 m 497 683 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 683 m 567 683 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 639 m 419 639 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 639 m 493 639 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 639 m 567 639 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 639 m 419 639 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 625 m 419 625 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 625 m 423 625 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 639 m 493 639 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 625 m 493 625 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 625 m 497 625 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 639 m 567 639 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 625 m 567 625 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 625 m 419 625 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 625 m 423 625 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 625 m 493 625 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 625 m 497 625 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 625 m 567 625 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 687.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.70 687.57 Td (Y) Tj ET Q q 0 0 0 rg BT 400.42 687.57 Td (ear Ended December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.80 653.67 Td (Net Investment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.50 643.67 Td (Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.50 663.67 Td (Net Realized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.25 653.67 Td (Investment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.75 643.67 Td (Gain \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.00 653.67 Td (Interest and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.55 643.67 Td (Debt Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 629.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.35 629.57 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 615.68 Td (T) Tj ET Q q 0 0 0 rg BT 58.71 615.68 Td (otal Income and Expense Pr) Tj ET Q q 0 0 0 rg BT 178.16 615.68 Td (esented in the Consolidated Statements) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 605.68 Td (of Income of ) Tj ET Q q 0 0 0 rg BT 108.23 605.68 Td (Which Hedged Items ar) Tj ET Q q 0 0 0 rg BT 209.99 605.68 Td (e Recorded) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.50 605.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.15 605.67 Td (2,451.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.50 605.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.65 605.67 Td (40.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 605.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 605.67 Td (159.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 577.68 Td (Gain \(Loss\) on Cash Flow Hedging Relationships) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 563.57 Td (Interest Rate Swaps:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 549.57 Td (Hedged items) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 549.57 Td (321.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 549.57 Td (2.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 549.57 Td (44.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 534.67 Td (Derivatives Designated as Hedging Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 534.67 Td (60.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 534.67 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 534.67 Td (2.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 520.57 Td (Foreign Exchange Contracts:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 506.57 Td (Hedged items) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 506.57 Td (21.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 506.57 Td (8.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 506.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 491.67 Td (Derivatives Designated as Hedging Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.30 491.72 Td (\(1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.15 491.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.30 491.72 Td (\(9.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 491.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 491.67 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 463.68 Td (Gain \(Loss\) on Fair) Tj ET Q q 0 0 0 rg BT 135.94 463.68 Td ( ) Tj ET Q q 0 0 0 rg BT 138.26 463.68 Td (V) Tj ET Q q 0 0 0 rg BT 144.56 463.68 Td (alue Hedging Relationships) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 449.57 Td (Interest Rate Swaps:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 435.57 Td (Hedged items) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.65 435.57 Td (4.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.30 435.62 Td (\(1.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 435.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 435.57 Td (14.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 420.67 Td (Derivatives Designated as Hedging Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.30 420.72 Td (\(3.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.15 420.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 420.67 Td (1.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.30 420.67 Td (\(0.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 420.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 322.00 299.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 322.00 70.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 322.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 322.00 70.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 322.00 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 322.00 70.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 284.00 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 284.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 284.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 284.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 284.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 284.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 256.00 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 256.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 256.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 256.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 256.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 256.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 227.00 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 227.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 227.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 227.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 227.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 227.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 199.00 299.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 199.00 70.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 199.00 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 199.00 70.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 199.00 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 199.00 70.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 170.00 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 170.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 170.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 170.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 170.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 170.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 142.00 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 142.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 142.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 142.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 142.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 142.00 70.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 380 m 419 380 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 380 m 423 380 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 380 m 493 380 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 380 m 497 380 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 380 m 567 380 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 336 m 419 336 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 336 m 493 336 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 336 m 567 336 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 336 m 419 336 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 322 m 419 322 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 322 m 423 322 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 336 m 493 336 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 322 m 493 322 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 322 m 497 322 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 336 m 567 336 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 322 m 567 322 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 322 m 419 322 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 322 m 423 322 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 322 m 493 322 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 322 m 497 322 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 322 m 567 322 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 384.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.70 384.57 Td (Y) Tj ET Q q 0 0 0 rg BT 400.42 384.57 Td (ear Ended December 31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.80 350.67 Td (Net Investment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.50 340.67 Td (Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.50 360.67 Td (Net Realized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.25 350.67 Td (Investment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.75 340.67 Td (Gain \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.00 350.67 Td (Interest and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.55 340.67 Td (Debt Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 326.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.35 326.57 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 312.68 Td (T) Tj ET Q q 0 0 0 rg BT 58.71 312.68 Td (otal Income and Expense Pr) Tj ET Q q 0 0 0 rg BT 178.16 312.68 Td (esented in the Consolidated Statements) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 302.68 Td (of Income of ) Tj ET Q q 0 0 0 rg BT 108.23 302.68 Td (Which Hedged Items ar) Tj ET Q q 0 0 0 rg BT 209.99 302.68 Td (e Recorded) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.50 302.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.15 302.67 Td (2,459.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.50 302.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.65 302.67 Td (24.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.50 302.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 302.67 Td (166.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 274.68 Td (Gain \(Loss\) on Cash Flow Hedging Relationships) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 260.57 Td (Interest Rate Swaps:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 246.57 Td (Hedged items) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 246.57 Td (337.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 246.57 Td (7.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 246.57 Td (44.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 231.67 Td (Derivatives Designated as Hedging Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 231.67 Td (55.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 231.67 Td (3.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 231.67 Td (2.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 217.57 Td (Foreign Exchange Contracts:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 203.57 Td (Hedged items) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 203.57 Td (23.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 203.57 Td (1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 203.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 188.67 Td (Derivatives Designated as Hedging Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.30 188.72 Td (\(0.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.15 188.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.30 188.72 Td (\(1.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 188.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 188.67 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 160.68 Td (Gain \(Loss\) on Fair) Tj ET Q q 0 0 0 rg BT 135.94 160.68 Td ( ) Tj ET Q q 0 0 0 rg BT 138.26 160.68 Td (V) Tj ET Q q 0 0 0 rg BT 144.56 160.68 Td (alue Hedging Relationships) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 146.57 Td (Interest Rate Swaps:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 132.57 Td (Hedged items) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.65 132.57 Td (7.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.30 132.62 Td (\(3.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.15 132.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 132.57 Td (39.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 117.67 Td (Derivatives Designated as Hedging Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.30 117.72 Td (\(5.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.15 117.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.65 117.67 Td (3.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.30 117.67 Td (\(4.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 117.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 311 0 obj <> endobj 312 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 4 - Derivative Financial Instruments - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (151) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (The following table summarizes the location of gains and losses of derivative financial instruments designated as cash flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (hedging instruments, as reported in our consolidated statements of comprehensive income \(loss\). ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 629.10 291.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.75 629.10 73.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.75 629.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.75 629.10 73.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.75 629.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.75 629.10 73.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 592.10 291.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.75 592.10 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.75 592.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.75 592.10 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.75 592.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.75 592.10 73.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.75 655.1 m 412.75 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 655.1 m 416.75 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.75 655.1 m 489.75 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.75 655.1 m 493.75 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.75 655.1 m 566.75 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.75 655.1 m 412.75 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.75 642.1 m 412.75 642.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.75 642.1 m 489.75 642.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.75 642.1 m 566.75 642.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.75 629.1 m 412.75 629.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 629.1 m 416.75 629.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.75 629.1 m 489.75 629.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.75 629.1 m 493.75 629.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.75 629.1 m 566.75 629.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.75 579.1 m 412.75 579.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.75 579.1 m 489.75 579.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.75 579.1 m 566.75 579.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.75 579.1 m 412.75 579.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.75 567.1 m 412.75 567.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.75 565.1 m 412.75 565.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.75 579.1 m 489.75 579.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.75 567.1 m 489.75 567.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.75 565.1 m 489.75 565.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.75 579.1 m 566.75 579.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.75 567.1 m 566.75 567.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.75 565.1 m 566.75 565.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.45 658.67 Td (Y) Tj ET Q q 0 0 0 rg BT 408.17 658.67 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.25 645.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.75 645.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.75 645.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.75 645.67 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.25 632.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.60 632.67 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 619.78 Td (Gain \(Loss\) Recognized in Other) Tj ET Q q 0 0 0 rg BT 191.06 619.78 Td ( Compr) Tj ET Q q 0 0 0 rg BT 223.94 619.78 Td (ehensive Income \(Loss\) on) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 609.78 Td (Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 595.67 Td (Interest Rate Swaps and Forwards) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.25 595.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.05 595.72 Td (\(0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.90 595.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.25 595.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.05 595.72 Td (\(0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.90 595.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.25 595.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.05 595.67 Td (\(0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 595.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 582.67 Td (Foreign Exchange Contracts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.40 582.67 Td (16.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.05 582.72 Td (\(23.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.90 582.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.05 582.67 Td (\(22.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 582.67 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.25 569.83 Td (T) Tj ET Q q 0 0 0 rg BT 65.00 569.83 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.25 569.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.40 569.67 Td (16.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.25 569.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.05 569.72 Td (\(23.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.90 569.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.25 569.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.05 569.67 Td (\(22.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 569.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 521.60 Td (The following table summarizes the location of gains and losses on our derivatives not designated as hedging instruments, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 509.60 Td (reported in our consolidated statements of income.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 460.10 291.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.00 460.10 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 460.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.00 460.10 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.00 460.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 460.10 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 434.10 8.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.00 434.10 283.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.00 434.10 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 434.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.00 434.10 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.00 434.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 434.10 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 408.10 8.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 58.00 408.10 283.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.00 408.10 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 408.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.00 408.10 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.00 408.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 408.10 73.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341 486.1 m 414 486.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418 486.1 m 491 486.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 486.1 m 568 486.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341 473.1 m 414 473.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414 486.1 m 418 486.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418 473.1 m 491 473.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491 486.1 m 495 486.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 486.1 m 568 486.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 473.1 m 568 473.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341 460.1 m 414 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414 460.1 m 418 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418 460.1 m 491 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491 460.1 m 495 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 460.1 m 568 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341 395.1 m 414 395.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418 395.1 m 491 395.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 395.1 m 568 395.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341 395.1 m 414 395.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341 383.1 m 414 383.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341 381.1 m 414 381.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418 395.1 m 491 395.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418 383.1 m 491 383.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418 381.1 m 491 381.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 395.1 m 568 395.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 383.1 m 568 383.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 381.1 m 568 381.1 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 60.50 490.35 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.70 489.67 Td (Y) Tj ET Q q 0 0 0 rg BT 409.42 489.67 Td (ear Ended December 31) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 60.50 477.35 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.00 476.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.00 476.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.00 476.67 Td (2016) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 60.50 464.35 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.85 463.67 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 450.83 Td (Net Realized Investment Gain \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.50 437.67 Td (Credit Default Swaps) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.50 437.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.30 437.72 Td (\(0.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 437.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.50 437.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.30 437.72 Td (\(0.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 437.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.50 437.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.30 437.67 Td (\(0.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 564.15 437.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.50 424.67 Td (Interest Rate Swaps) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.30 424.72 Td (\(0.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 424.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.30 424.72 Td (\(0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 424.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.65 424.67 Td (0.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.50 411.67 Td (Foreign Exchange Contracts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 411.67 Td (0.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 411.67 Td (0.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.65 411.67 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.50 398.67 Td (Embedded Derivative in Modified Coinsurance ) Tj ET Q q 0 0 0 rg BT 252.39 398.67 Td (Arrangement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.30 398.72 Td (\(15.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 398.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.65 398.67 Td (30.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 398.67 Td (40.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 60.50 385.83 Td (T) Tj ET Q q 0 0 0 rg BT 66.25 385.83 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.50 385.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.30 385.72 Td (\(14.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 385.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.50 385.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.65 385.67 Td (30.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.50 385.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 385.67 Td (40.6) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 313 0 obj <> endobj 314 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 5 - ) Tj ET Q q 0 0 0 rg BT 85.27 712.75 Td (Accumulated Other) Tj ET Q q 0 0 0 rg BT 169.79 712.75 Td ( Compr) Tj ET Q q 0 0 0 rg BT 202.67 712.75 Td (ehensive Income \(Loss\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (152) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (Components of our accumulated other comprehensive income \(loss\), after tax, and related changes are as follows: ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 618.10 185.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.25 618.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.25 618.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.25 618.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.25 618.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.25 618.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.25 618.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.25 618.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.25 618.10 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.25 618.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.25 618.10 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 578.10 5.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 54.25 578.10 180.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.25 578.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.25 578.10 60.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.25 578.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.25 578.10 60.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.25 578.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.25 578.10 60.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.25 578.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.25 578.10 66.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.25 578.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.25 578.10 66.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 538.10 185.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.25 538.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.25 538.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.25 538.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.25 538.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.25 538.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.25 538.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.25 538.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.25 538.10 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.25 538.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.25 538.10 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 498.10 5.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 54.25 498.10 180.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.25 498.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.25 498.10 60.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.25 498.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.25 498.10 60.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.25 498.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.25 498.10 60.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.25 498.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.25 498.10 66.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.25 498.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.25 498.10 66.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 458.10 185.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.25 458.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.25 458.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.25 458.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.25 458.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.25 458.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.25 458.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.25 458.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.25 458.10 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.25 458.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.25 458.10 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 418.10 5.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 54.25 418.10 180.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.25 418.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.25 418.10 60.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.25 418.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.25 418.10 60.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.25 418.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.25 418.10 60.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.25 418.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.25 418.10 66.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.25 418.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.25 418.10 66.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 366.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 54.25 366.10 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.25 366.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.25 366.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.25 366.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.25 366.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.25 366.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.25 366.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.25 366.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.25 366.10 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.25 366.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.25 366.10 66.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.25 632.1 m 298.25 632.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.25 632.1 m 362.25 632.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.25 632.1 m 426.25 632.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.25 632.1 m 496.25 632.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.25 632.1 m 566.25 632.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.25 618.1 m 298.25 618.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.25 618.1 m 302.25 618.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.25 618.1 m 362.25 618.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.25 618.1 m 366.25 618.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.25 618.1 m 426.25 618.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.25 618.1 m 430.25 618.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.25 618.1 m 496.25 618.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.25 618.1 m 500.25 618.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.25 618.1 m 566.25 618.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.25 552.1 m 298.25 552.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.25 552.1 m 362.25 552.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.25 552.1 m 426.25 552.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.25 552.1 m 496.25 552.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.25 552.1 m 566.25 552.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.25 538.1 m 298.25 538.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.25 538.1 m 362.25 538.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.25 538.1 m 426.25 538.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.25 538.1 m 496.25 538.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.25 538.1 m 566.25 538.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.25 472.1 m 298.25 472.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.25 472.1 m 362.25 472.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.25 472.1 m 426.25 472.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.25 472.1 m 496.25 472.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.25 472.1 m 566.25 472.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.25 458.1 m 298.25 458.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.25 458.1 m 362.25 458.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.25 458.1 m 426.25 458.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.25 458.1 m 496.25 458.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.25 458.1 m 566.25 458.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.25 366.1 m 298.25 366.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.25 366.1 m 362.25 366.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.25 366.1 m 426.25 366.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.25 366.1 m 496.25 366.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.25 366.1 m 566.25 366.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.25 352.1 m 298.25 352.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.25 352.1 m 362.25 352.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.25 352.1 m 426.25 352.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.25 352.1 m 496.25 352.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.25 339.1 m 298.25 339.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.25 337.1 m 298.25 337.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.25 352.1 m 362.25 352.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.25 339.1 m 362.25 339.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.25 337.1 m 362.25 337.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.25 352.1 m 426.25 352.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.25 339.1 m 426.25 339.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.25 337.1 m 426.25 337.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.25 352.1 m 496.25 352.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.25 339.1 m 496.25 339.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.25 337.1 m 496.25 337.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.25 352.1 m 566.25 352.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.25 339.1 m 566.25 339.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.25 337.1 m 566.25 337.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.50 666.77 Td (Net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.80 656.77 Td (Unrealized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.00 646.77 Td (Gain \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.75 636.77 Td (on Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.30 646.77 Td (Net Gain on) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.75 636.77 Td (Hedges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.15 666.77 Td (Foreign) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.10 656.77 Td (Currency) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.15 646.77 Td (T) Tj ET Q q 0 0 0 rg BT 379.08 646.77 Td (ranslation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.40 636.77 Td (Adjustment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.70 666.77 Td (Unrecognized) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.40 656.77 Td (Pension and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.55 646.77 Td (Postretirement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 636.77 Td (Benefit Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.50 636.77 Td (T) Tj ET Q q 0 0 0 rg BT 528.26 636.77 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.60 622.67 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 608.78 Td (Balance at December) Tj ET Q q 0 0 0 rg BT 142.18 608.78 Td ( 31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.75 608.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.90 608.67 Td (204.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.75 608.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.90 608.67 Td (378.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.75 608.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.55 608.72 Td (\(173.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.40 608.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.75 608.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.55 608.72 Td (\(392.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.40 608.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.75 608.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 608.67 Td (16.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.75 592.77 Td (Other Comprehensive Income \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.75 582.77 Td (Before Reclassifications) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.90 582.77 Td (226.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.55 582.82 Td (\(15.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.40 582.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.55 582.82 Td (\(180.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.40 582.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.55 582.82 Td (\(82.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.40 582.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.55 582.77 Td (\(52.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 582.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.75 566.77 Td (Amounts Reclassified from ) Tj ET Q q 0 0 0 rg BT 168.95 566.77 Td (Accumulated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.75 556.77 Td (Other Comprehensive Income or Loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.90 556.77 Td (9.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.55 556.82 Td (\(34.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.40 556.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.40 556.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.90 556.77 Td (10.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.55 556.77 Td (\(14.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 556.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.75 542.67 Td (Net Other Comprehensive Income \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.90 542.67 Td (236.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.55 542.72 Td (\(50.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.40 542.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.55 542.72 Td (\(180.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.40 542.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.55 542.72 Td (\(72.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.40 542.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.55 542.67 Td (\(67.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 542.67 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 528.78 Td (Balance at December) Tj ET Q q 0 0 0 rg BT 142.18 528.78 Td ( 31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.90 528.67 Td (440.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.90 528.67 Td (327.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.55 528.72 Td (\(354.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.40 528.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.55 528.72 Td (\(465.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.40 528.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.55 528.67 Td (\(51.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 528.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.75 512.77 Td (Other Comprehensive Income \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.75 502.77 Td (Before Reclassifications) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.90 502.77 Td (176.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.55 502.82 Td (\(14.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.40 502.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.90 502.77 Td (99.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.55 502.82 Td (\(55.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.40 502.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 502.77 Td (205.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.75 486.77 Td (Amounts Reclassified from ) Tj ET Q q 0 0 0 rg BT 168.95 486.77 Td (Accumulated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.75 476.77 Td (Other Comprehensive Income or Loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.55 476.77 Td (\(9.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.40 476.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.55 476.82 Td (\(30.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.40 476.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.40 476.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.90 476.77 Td (12.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.55 476.77 Td (\(27.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 476.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.75 462.67 Td (Net Other Comprehensive Income \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.90 462.67 Td (167.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.55 462.72 Td (\(45.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.40 462.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.90 462.67 Td (99.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.55 462.72 Td (\(43.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.40 462.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 462.67 Td (178.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 448.78 Td (Balance at December) Tj ET Q q 0 0 0 rg BT 142.18 448.78 Td ( 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.90 448.67 Td (607.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.90 448.67 Td (282.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.55 448.72 Td (\(254.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.40 448.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.55 448.72 Td (\(508.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.40 448.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 448.67 Td (127.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.75 432.77 Td (Adjustment to ) Tj ET Q q 0 0 0 rg BT 115.92 432.77 Td (Adopt ) Tj ET Q q 0 0 0 rg BT 142.87 432.77 Td (Accounting Standard) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.75 422.77 Td (Update - Note 1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.55 422.77 Td (\(17.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.40 422.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.40 422.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.40 422.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.40 422.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.55 422.77 Td (\(17.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 422.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.75 406.77 Td (Other Comprehensive Income \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.75 396.77 Td (Before Reclassifications) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.55 396.77 Td (\(920.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.40 396.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.90 396.77 Td (16.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.55 396.82 Td (\(50.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.40 396.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.90 396.77 Td (43.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.55 396.77 Td (\(910.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 396.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.75 380.77 Td (Amounts Reclassified from ) Tj ET Q q 0 0 0 rg BT 174.68 380.77 Td (Accumulated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.75 370.77 Td (Other Comprehensive Income or Loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.90 370.77 Td (17.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.55 370.82 Td (\(48.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.40 370.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.40 370.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.90 370.77 Td (17.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.55 370.77 Td (\(13.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 370.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.75 356.67 Td (Net Other Comprehensive Income \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.55 356.67 Td (\(902.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.40 356.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.55 356.72 Td (\(31.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.40 356.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.55 356.72 Td (\(50.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.40 356.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.90 356.67 Td (60.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.55 356.67 Td (\(924.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 356.67 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 342.78 Td (Balance at December) Tj ET Q q 0 0 0 rg BT 142.09 342.78 Td ( 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.75 342.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.55 342.67 Td (\(312.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.40 342.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.75 342.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.90 342.67 Td (250.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.75 342.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.55 342.72 Td (\(305.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.40 342.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.75 342.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.55 342.72 Td (\(447.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.40 342.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.75 342.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.55 342.67 Td (\(814.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 342.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 314.60 Td (The net unrealized gain \(loss\) on securities consists of the following components: ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.25 250.10 107.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 250.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 161.25 250.10 61.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.25 250.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.25 250.10 45.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.25 250.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.25 250.10 45.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 320.25 250.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.25 250.10 45.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 250.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.25 250.10 45.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 250.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.25 250.10 45.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.25 250.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.25 250.10 45.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 250.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.25 250.10 45.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.25 210.10 107.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 210.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 161.25 210.10 61.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.25 210.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.25 210.10 45.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.25 210.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.25 210.10 45.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 320.25 210.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.25 210.10 45.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 210.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.25 210.10 45.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 210.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.25 210.10 45.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.25 210.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.25 210.10 45.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 210.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.25 210.10 45.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.25 148.10 107.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 148.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 161.25 148.10 61.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.25 148.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.25 148.10 45.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.25 148.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.25 148.10 45.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 320.25 148.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.25 148.10 45.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 148.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.25 148.10 45.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 148.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.25 148.10 45.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.25 148.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.25 148.10 45.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 148.10 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.25 148.10 45.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.25 108.10 107.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.25 108.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 161.25 108.10 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.25 108.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.25 108.10 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.25 108.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.25 108.10 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 320.25 108.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.25 108.10 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.25 108.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.25 108.10 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 108.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.25 108.10 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.25 108.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.25 108.10 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.25 108.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.25 108.10 45.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.25 278.1 m 222.25 278.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.25 278.1 m 271.25 278.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.25 278.1 m 320.25 278.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 320.25 278.1 m 324.25 278.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.25 278.1 m 369.25 278.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.25 278.1 m 373.25 278.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.25 278.1 m 418.25 278.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.25 278.1 m 467.25 278.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.25 278.1 m 471.25 278.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.25 278.1 m 516.25 278.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 278.1 m 520.25 278.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.25 278.1 m 565.25 278.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.25 264.1 m 222.25 264.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.25 264.1 m 226.25 264.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.25 264.1 m 271.25 264.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.25 264.1 m 320.25 264.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.25 264.1 m 369.25 264.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.25 278.1 m 418.25 278.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.25 264.1 m 418.25 264.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.25 264.1 m 467.25 264.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.25 264.1 m 516.25 264.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.25 264.1 m 565.25 264.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.25 250.10000000000002 m 222.25 250.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.25 250.10000000000002 m 226.25 250.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.25 250.10000000000002 m 275.25 250.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.25 250.10000000000002 m 320.25 250.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 320.25 250.10000000000002 m 324.25 250.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.25 250.10000000000002 m 369.25 250.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.25 250.10000000000002 m 373.25 250.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.25 250.10000000000002 m 418.25 250.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 250.10000000000002 m 422.25 250.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.25 250.10000000000002 m 467.25 250.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.25 250.10000000000002 m 471.25 250.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.25 250.10000000000002 m 516.25 250.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.25 250.10000000000002 m 520.25 250.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.25 250.10000000000002 m 565.25 250.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.25 250.10000000000002 m 271.25 250.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.25 108.10000000000002 m 222.25 108.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.25 108.10000000000002 m 271.25 108.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.25 108.10000000000002 m 320.25 108.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.25 108.10000000000002 m 369.25 108.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.25 108.10000000000002 m 418.25 108.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.25 108.10000000000002 m 467.25 108.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.25 108.10000000000002 m 222.25 108.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.25 95.10000000000002 m 222.25 95.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.25 93.10000000000002 m 222.25 93.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.25 95.10000000000002 m 271.25 95.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.25 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375.75 98.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.90 98.67 Td (204.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.75 98.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.55 98.72 Td (\(902.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.40 98.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.75 98.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.90 98.67 Td (167.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.75 98.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.90 98.67 Td (236.3) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 315 0 obj <> endobj 316 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and 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1 rg /GS0 gs 499.75 629.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.75 629.10 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 603.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 52.75 603.10 8.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 60.75 603.10 302.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.75 603.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.75 603.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.75 603.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.75 603.10 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.75 603.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.75 603.10 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 577.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 52.75 577.10 8.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 60.75 577.10 302.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.75 577.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.75 577.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.75 577.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.75 577.10 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.75 577.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.75 577.10 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 551.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 52.75 551.10 310.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.75 551.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.75 551.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.75 551.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.75 551.10 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.75 551.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.75 551.10 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 525.10 314.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.75 525.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.75 525.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.75 525.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.75 525.10 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.75 525.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.75 525.10 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 499.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 52.75 499.10 8.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 60.75 499.10 302.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.75 499.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.75 499.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.75 499.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.75 499.10 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.75 499.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.75 499.10 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 473.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 52.75 473.10 310.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.75 473.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.75 473.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.75 473.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.75 473.10 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.75 473.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.75 473.10 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 447.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 52.75 447.10 8.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 60.75 447.10 302.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.75 447.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.75 447.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.75 447.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.75 447.10 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.75 447.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.75 447.10 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 421.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 52.75 421.10 8.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 60.75 421.10 302.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.75 421.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.75 421.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.75 421.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.75 421.10 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.75 421.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.75 421.10 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 395.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 52.75 395.10 310.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.75 395.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.75 395.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.75 395.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.75 395.10 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.75 395.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.75 395.10 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 369.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 52.75 369.10 8.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 60.75 369.10 302.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.75 369.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.75 369.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.75 369.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.75 369.10 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.75 369.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.75 369.10 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 343.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 52.75 343.10 310.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.75 343.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.75 343.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.75 343.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.75 343.10 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.75 343.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.75 343.10 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 317.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 52.75 317.10 8.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 60.75 317.10 302.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.75 317.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.75 317.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.75 317.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.75 317.10 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.75 317.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.75 317.10 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 291.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 52.75 291.10 310.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.75 291.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.75 291.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.75 291.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.75 291.10 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.75 291.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.75 291.10 63.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.75 655.1 m 431.75 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.75 655.1 m 435.75 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 655.1 m 499.75 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.75 655.1 m 503.75 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 655.1 m 566.75 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.75 642.1 m 431.75 642.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 642.1 m 499.75 642.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.75 655.1 m 503.75 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 655.1 m 566.75 655.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 642.1 m 566.75 642.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.75 629.1 m 431.75 629.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.75 629.1 m 435.75 629.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 629.1 m 499.75 629.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.75 629.1 m 503.75 629.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 629.1 m 566.75 629.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.75 577.1 m 431.75 577.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 577.1 m 499.75 577.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 577.1 m 566.75 577.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.75 551.1 m 431.75 551.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 551.1 m 499.75 551.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 551.1 m 566.75 551.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.75 551.1 m 431.75 551.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.75 539.1 m 431.75 539.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.75 537.1 m 431.75 537.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 551.1 m 499.75 551.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 539.1 m 499.75 539.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 537.1 m 499.75 537.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 551.1 m 566.75 551.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 539.1 m 566.75 539.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 537.1 m 566.75 537.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.75 408.1 m 431.75 408.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 408.1 m 499.75 408.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 408.1 m 566.75 408.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.75 382.1 m 431.75 382.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 382.1 m 499.75 382.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 382.1 m 566.75 382.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.75 382.1 m 431.75 382.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.75 370.1 m 431.75 370.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.75 368.1 m 431.75 368.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 382.1 m 499.75 382.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 370.1 m 499.75 370.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 368.1 m 499.75 368.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 382.1 m 566.75 382.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 370.1 m 566.75 370.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 368.1 m 566.75 368.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.75 304.1 m 431.75 304.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 304.1 m 499.75 304.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 304.1 m 566.75 304.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.75 278.1 m 431.75 278.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 278.1 m 499.75 278.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 278.1 m 566.75 278.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.75 278.1 m 431.75 278.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.75 266.1 m 431.75 266.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.75 264.1 m 431.75 264.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 278.1 m 499.75 278.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 266.1 m 499.75 266.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 264.1 m 499.75 264.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 278.1 m 566.75 278.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 266.1 m 566.75 266.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 264.1 m 566.75 264.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.95 658.67 Td (Y) Tj ET Q q 0 0 0 rg BT 421.67 658.67 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.75 645.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.25 645.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.75 645.67 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.10 632.67 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 619.83 Td (Net Unr) Tj ET Q q 0 0 0 rg BT 85.87 619.83 Td (ealized Gain \(Loss\) on Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 606.67 Td (Net Realized Investment Gain \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 593.67 Td (Gain \(Loss\) on Sales of Securities and Other Invested ) Tj ET Q q 0 0 0 rg BT 280.42 593.67 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.25 593.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.05 593.72 Td (\(4.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 593.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.25 593.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.40 593.67 Td (22.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.25 593.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 593.67 Td (15.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 580.67 Td (Other) Tj ET Q q 0 0 0 rg BT 85.92 580.67 Td (-Than-T) Tj ET Q q 0 0 0 rg BT 118.78 580.67 Td (emporary Impairment Loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.05 580.72 Td (\(17.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 580.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.05 580.72 Td (\(8.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.90 580.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.05 580.67 Td (\(30.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 580.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.05 567.72 Td (\(22.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 567.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.40 567.67 Td (14.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.05 567.67 Td (\(15.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 567.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 554.67 Td (Income ) Tj ET Q q 0 0 0 rg BT 87.65 554.67 Td (T) Tj ET Q q 0 0 0 rg BT 93.31 554.67 Td (ax Expense \(Benefit\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.05 554.72 Td (\(4.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 554.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.40 554.67 Td (5.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.05 554.67 Td (\(5.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 554.67 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 55.25 541.83 Td (T) Tj ET Q q 0 0 0 rg BT 61.46 541.83 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.25 541.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.05 541.72 Td (\(17.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 541.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.25 541.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.40 541.67 Td (9.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.25 541.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.05 541.67 Td (\(9.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 541.67 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 515.83 Td (Net Gain on Hedges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 502.67 Td (Net Investment Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 489.67 Td (Gain on Interest Rate Swaps and Forwards) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.25 489.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.40 489.67 Td (65.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.25 489.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.40 489.67 Td (59.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.25 489.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 489.67 Td (54.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 476.67 Td (Loss on Foreign Exchange Contracts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.05 476.72 Td (\(1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 476.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.05 476.72 Td (\(1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.90 476.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.05 476.67 Td (\(1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 476.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 463.67 Td (Net Realized Investment Gain \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 450.67 Td (Gain on Interest Rate Swaps) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.40 450.67 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.40 450.67 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 450.67 Td (3.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 437.67 Td (Loss on Foreign Exchange Contracts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.05 437.72 Td (\(1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 437.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.05 437.72 Td (\(9.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.90 437.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.05 437.67 Td (\(1.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 437.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 424.67 Td (Interest and Debt Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 411.67 Td (Loss on Interest Rate Swaps) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.05 411.72 Td (\(2.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 411.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.05 411.72 Td (\(2.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.90 411.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.05 411.67 Td (\(1.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 411.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.40 398.67 Td (61.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.40 398.67 Td (46.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 398.67 Td (53.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 385.67 Td (Income ) Tj ET Q q 0 0 0 rg BT 87.65 385.67 Td (T) Tj ET Q q 0 0 0 rg BT 93.31 385.67 Td (ax Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.40 385.67 Td (12.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.40 385.67 Td (16.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 385.67 Td (18.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 55.25 372.83 Td (T) Tj ET Q q 0 0 0 rg BT 61.46 372.83 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.25 372.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.40 372.67 Td (48.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.25 372.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.40 372.67 Td (30.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.25 372.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 372.67 Td (34.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 346.83 Td (Unr) Tj ET Q q 0 0 0 rg BT 68.38 346.83 Td (ecognized Pension and Postr) Tj ET Q q 0 0 0 rg BT 189.59 346.83 Td (etir) Tj ET Q q 0 0 0 rg BT 204.39 346.83 Td (ement Benefit Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 333.67 Td (Other Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 320.67 Td (Amortization of Net ) Tj ET Q q 0 0 0 rg BT 146.56 320.67 Td (Actuarial Loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.25 320.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.05 320.72 Td (\(22.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 320.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.25 320.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.05 320.72 Td (\(20.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.90 320.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.25 320.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.05 320.67 Td (\(16.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 320.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.25 307.67 Td (Amortization of Prior Service Credit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.40 307.67 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.40 307.67 Td (0.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 307.67 Td (0.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.05 294.72 Td (\(22.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 294.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.05 294.72 Td (\(19.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.90 294.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.05 294.67 Td (\(15.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 294.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 281.67 Td (Income ) Tj ET Q q 0 0 0 rg BT 87.55 281.67 Td (T) Tj ET Q q 0 0 0 rg BT 92.96 281.67 Td (ax Benefit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.05 281.72 Td (\(4.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 281.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.05 281.72 Td (\(6.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.90 281.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.05 281.67 Td (\(5.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 281.67 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 55.25 268.83 Td (T) Tj ET Q q 0 0 0 rg BT 61.00 268.83 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.25 268.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.05 268.72 Td (\(17.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 268.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.25 268.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.05 268.72 Td (\(12.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.90 268.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.25 268.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.05 268.67 Td (\(10.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 268.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 317 0 obj <> endobj 318 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 6 - Liability for) Tj ET Q q 0 0 0 rg BT 137.58 712.75 Td ( Unpaid Claims and Claim ) Tj ET Q q 0 0 0 rg BT 253.45 712.75 Td (Adjustment Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (154) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (Changes in the liability for unpaid claims and claim adjustment expenses are as follows: ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 654.10 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 654.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 654.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 654.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 654.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.75 654.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 626.10 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 626.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 626.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 626.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 626.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.75 626.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 598.10 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 598.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 598.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 598.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 598.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.75 598.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 570.10 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 570.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 570.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 570.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 570.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.75 570.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 542.10 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 542.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 542.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 542.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 542.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.75 542.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 514.10 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 514.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 514.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 514.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 514.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.75 514.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 486.10 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 486.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 486.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 486.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 486.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.75 486.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 458.10 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 458.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 458.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 458.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 458.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.75 458.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 430.10 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 430.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 430.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 430.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 430.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.75 430.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 402.10 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 402.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 402.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 402.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 402.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.75 402.10 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 667.1 m 438.75 667.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 667.1 m 502.75 667.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 667.1 m 566.75 667.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 654.1 m 438.75 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 654.1 m 442.75 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 654.1 m 502.75 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 654.1 m 506.75 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 654.1 m 566.75 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 654.1 m 438.75 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 654.1 m 442.75 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 654.1 m 502.75 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 654.1 m 506.75 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 654.1 m 566.75 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 626.1 m 438.75 626.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 626.1 m 502.75 626.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 626.1 m 566.75 626.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 514.1 m 438.75 514.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 514.1 m 502.75 514.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 514.1 m 566.75 514.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 500.1 m 438.75 500.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 500.1 m 502.75 500.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 500.1 m 566.75 500.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 444.1 m 438.75 444.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 444.1 m 502.75 444.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 444.1 m 566.75 444.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 444.1 m 438.75 444.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 430.1 m 438.75 430.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 444.1 m 502.75 444.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 430.1 m 502.75 430.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 444.1 m 566.75 444.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 430.1 m 566.75 430.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 388.1 m 438.75 388.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 388.1 m 502.75 388.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 388.1 m 566.75 388.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 388.1 m 438.75 388.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 375.1 m 438.75 375.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 373.1 m 438.75 373.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 388.1 m 502.75 388.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 375.1 m 502.75 375.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 373.1 m 502.75 373.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 388.1 m 566.75 388.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 375.1 m 566.75 375.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 373.1 m 566.75 373.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.25 670.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.25 670.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.25 670.67 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.10 657.67 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 644.78 Td (Balance at January 1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.25 644.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.90 644.67 Td (23,222.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.25 644.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.90 644.67 Td (23,249.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.25 644.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.90 644.67 Td (23,796.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 630.67 Td ( Less Reinsurance Recoverable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.90 630.67 Td (2,182.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.90 630.67 Td (2,163.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 630.67 Td (2,064.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 616.67 Td (Net Balance at January 1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.90 616.67 Td (21,040.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.90 616.67 Td (21,085.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.90 616.67 Td (21,731.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 588.67 Td (Incurred Related to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 574.67 Td ( Current ) Tj ET Q q 0 0 0 rg BT 91.61 574.67 Td (Y) Tj ET Q q 0 0 0 rg BT 98.15 574.67 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.90 574.67 Td (5,832.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.90 574.67 Td (5,422.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 574.67 Td (5,243.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 560.67 Td ( Prior ) Tj ET Q q 0 0 0 rg BT 81.06 560.67 Td (Y) Tj ET Q q 0 0 0 rg BT 87.60 560.67 Td (ears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 546.67 Td ( Interest) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.90 546.67 Td (1,049.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.90 546.67 Td (1,089.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 546.67 Td (1,136.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 532.67 Td ( ) Tj ET Q q 0 0 0 rg BT 65.97 532.67 Td (All Other Incurred) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.05 532.72 Td (\(106.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.90 532.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.05 532.72 Td (\(158.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.90 532.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.05 532.67 Td (\(198.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 532.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 518.67 Td ( Foreign Currency) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.05 518.72 Td (\(1) Tj ET Q q 0 0 0 rg BT 417.38 518.72 Td (10.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.90 518.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.40 518.67 Td (167.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.05 518.67 Td (\(340.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 518.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 504.67 Td (T) Tj ET Q q 0 0 0 rg BT 57.01 504.67 Td (otal Incurred) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.90 504.67 Td (6,665.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.90 504.67 Td (6,521.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 504.67 Td (5,841.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 476.67 Td (Paid Related to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 462.67 Td ( Current ) Tj ET Q q 0 0 0 rg BT 91.61 462.67 Td (Y) Tj ET Q q 0 0 0 rg BT 98.15 462.67 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.55 462.72 Td (\(2,354.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.90 462.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.55 462.72 Td (\(2,156.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.90 462.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.55 462.67 Td (\(2,035.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 462.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 448.67 Td ( Prior ) Tj ET Q q 0 0 0 rg BT 81.06 448.67 Td (Y) Tj ET Q q 0 0 0 rg BT 87.60 448.67 Td (ears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.55 448.72 Td (\(4,428.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.90 448.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.55 448.72 Td (\(4,410.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.90 448.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.55 448.67 Td (\(4,451.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 448.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 434.67 Td (T) Tj ET Q q 0 0 0 rg BT 57.01 434.67 Td (otal Paid) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.55 434.72 Td (\(6,783.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.90 434.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.55 434.72 Td (\(6,567.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.90 434.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.55 434.67 Td (\(6,486.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 434.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 406.67 Td (Net Balance at December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.90 406.67 Td (20,921.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.90 406.67 Td (21,040.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.90 406.67 Td (21,085.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 392.67 Td ( Plus Reinsurance Recoverable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.90 392.67 Td (2,227.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.90 392.67 Td (2,182.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 392.67 Td (2,163.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 378.78 Td (Balance at December) Tj ET Q q 0 0 0 rg BT 141.59 378.78 Td ( 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.25 378.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.90 378.67 Td (23,149.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.25 378.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.90 378.67 Td (23,222.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.25 378.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.90 378.67 Td (23,249.5) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 350.60 Td (The majority of the net balances are related to disability claims with long-tail payouts on which interest earned on assets backing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 338.60 Td (liabilities is an integral part of pricing and reserving. Interest accrued on prior year reserves has been calculated on the opening ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 326.60 Td (reserve balance less one-half of the year) Tj ET Q q 0 0 0 rg BT 210.34 326.60 Td () Tj ET Q q 0 0 0 rg BT 213.12 326.60 Td (s claim payments relative to prior years at our average reserve discount rate for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 314.60 Td (respective periods.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 290.60 Td ("Incurred Related to Prior ) Tj ET Q q 0 0 0 rg BT 155.40 290.60 Td (Y) Tj ET Q q 0 0 0 rg BT 161.62 290.60 Td (ears - ) Tj ET Q q 0 0 0 rg BT 185.50 290.60 Td (All Other Incurred" shown in the preceding chart includes the reserve adjustments as discussed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 278.60 Td (in the following paragraphs, which impact the comparability between the years presented. Excluding those adjustments, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 266.60 Td (variability exhibited year over year is primarily caused by the level of claim resolutions in the period relative to the long-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 254.60 Td (expectations reflected in the reserves. Our claim resolution rate assumption used in determining reserves is our expectation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 242.60 Td (the resolution rate we will experience over the life of the block of business and will vary from actual experience in any one ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 230.60 Td (period, both favorably and unfavorably) Tj ET Q q 0 0 0 rg BT 205.75 230.60 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 206.60 Td (2018 Long-term Care Reserve Increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 182.60 Td (Policy reserves for our long-term care block of business are determined using the gross premium valuation method and, prior to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 170.60 Td (the third quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.25 170.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.25 170.60 Td (, were valued based on assumptions established as of December 31, 2014, the date of our last ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 158.60 Td (assumption update under loss recognition. Gross premium valuation assumptions do not change after the date of loss recognition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 146.60 Td (unless reserves are again determined to be deficient. ) Tj ET Q q 0 0 0 rg BT 263.12 146.60 Td (W) Tj ET Q q 0 0 0 rg BT 271.76 146.60 Td (e undertake a review of policy reserve adequacy annually during the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 134.60 Td (fourth quarter of each year) Tj ET Q q 0 0 0 rg BT 155.71 134.60 Td (, or more frequently if appropriate, using best estimate assumptions as of the date of the review) Tj ET Q q 0 0 0 rg BT 535.50 134.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 110.60 Td (During the third quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.08 110.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.08 110.60 Td (, we completed our annual review of policy reserve adequacy) Tj ET Q q 0 0 0 rg BT 422.88 110.60 Td (, which incorporated our most ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 98.60 Td (recent experience and included a review of all assumptions, including active policy terminations, claims incidence, claim ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 86.60 Td (terminations, morbidity) Tj ET Q q 0 0 0 rg BT 143.28 86.60 Td (, premium rate increases, and new money yield rates. ) Tj ET Q q 0 0 0 rg BT 360.53 86.60 Td (The review utilized internal and external data and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 74.60 Td (outside consulting firms for quality assurance and industry benchmarking. Based on our analysis, during the third quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 62.60 Td (2018, we updated our reserve assumptions and determined that our policy and claim reserves should be increased by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.97 62.60 Td ($750.8 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 50.60 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 50.60 Td (, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.22 50.60 Td ($593.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.11 50.60 Td ( after tax, to reflect our current estimate of future benefit obligations. ) Tj ET Q q 0 0 0 rg BT 433.66 50.60 Td (This increase was primarily ) Tj ET Q endstream endobj 319 0 obj <> endobj 320 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 6 - Liability for) Tj ET Q q 0 0 0 rg BT 137.58 712.75 Td ( Unpaid Claims and Claim ) Tj ET Q q 0 0 0 rg BT 253.45 712.75 Td (Adjustment Expenses - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (155) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (driven by the update to our liability and interest rate assumptions, particularly claims incidence and claim termination rates, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (which resulted in an increase to reserves of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.69 678.60 Td ($2.2 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.80 678.60 Td (. Partially of) Tj ET Q q 0 0 0 rg BT 382.83 678.60 Td (fsetting the increase was the update to our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.60 Td (assumptions for premium rate increases which decreased reserves approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.21 666.60 Td ($1.4 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.33 666.60 Td (, resulting in the net increase to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.60 Td (reserves of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.59 654.60 Td ($750.8 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.48 654.60 Td (. Of this amount, approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.23 654.60 Td ($236.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.13 654.60 Td ( was related to our liability for unpaid claims and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.60 Td (claims adjustment expenses, which can be primarily attributed to prior year incurred claims, thereby impacting the results shown ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.60 Td (in the preceding chart.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 606.60 Td (2017 Unclaimed Death Benefits Reserve Increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.60 Td (Beginning in 201) Tj ET Q q 0 0 0 rg BT 118.57 582.60 Td (1, a number of state regulators began requiring insurers to cross-check specified insurance policies with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 570.60 Td (Social Security ) Tj ET Q q 0 0 0 rg BT 112.27 570.60 Td (Administration's Death Master File to identify potential matches. If a potential match was identified, insurers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 558.60 Td (were requested to determine if benefits were due, locate beneficiaries, and make payments where appropriate. ) Tj ET Q q 0 0 0 rg BT 493.28 558.60 Td (W) Tj ET Q q 0 0 0 rg BT 501.92 558.60 Td (e initiated this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.60 Td (process where requested, and in 2012 we began implementing this process in all states on a forward-looking basis. In addition to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.60 Td (implementing this on a forward-looking basis, in 2013 we began an initiative to search for potential claims from previous years. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.60 Td (During 2013, we completed our assessment of benefits which we estimated would be paid under this initiative, and as such, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.60 Td (established additional reserves for payment of these benefits. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 486.60 Td (Similar toother insurers, we are under) Tj ET Q q 0 0 0 rg BT 202.88 486.60 Td (going an examination by a third party acting on behalf of a number of state treasurers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 474.60 Td (concerning our compliance with the unclaimed property laws of the participating states. In the fourth quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.63 474.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.63 474.60 Td (, we started ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 462.60 Td (the process to reach a Global Resolution ) Tj ET Q q 0 0 0 rg BT 213.07 462.60 Td (Agreement with the third party regarding settlement of the examination, which we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 450.60 Td (finalized in January of 2018. During the fourth quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.32 450.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.32 450.60 Td (, we established reserves which reflect our estimate of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 438.60 Td (liability expected to be paid as we execute on the terms of the settlement. Claim reserves were increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.56 438.60 Td ($18.5 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.45 438.60 Td ( for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 426.60 Td (Unum US group life, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.44 426.60 Td ($8.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.33 426.60 Td ( for Unum US voluntary life, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.86 426.60 Td ($12.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.75 426.60 Td ( for Colonial Life voluntary life, for a total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.60 Td (reserve increase of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.95 414.60 Td ($39.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.84 414.60 Td ( before tax. ) Tj ET Q q 0 0 0 rg BT 230.92 414.60 Td (The reserves established were attributed to prior years incurred claims, thereby ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 402.60 Td (impacting the results shown in the preceding chart.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 378.60 Td (Reconciliation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 354.60 Td (A) Tj ET Q q 0 0 0 rg BT 56.17 354.60 Td ( reconciliation of policy and contract benefits and reserves for future policy and contract benefits as reported in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 342.60 Td (consolidated balance sheets to the liability for unpaid claims and claim adjustment expenses is as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 293.10 330.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 293.10 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 293.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 293.10 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 293.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.75 293.10 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 267.10 330.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 267.10 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 267.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 267.10 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 267.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.75 267.10 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 241.10 330.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 241.10 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 241.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 241.10 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 241.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.75 241.10 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 215.10 330.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 215.10 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 215.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 215.10 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 215.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.75 215.10 60.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 319.1 m 438.75 319.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 319.1 m 442.75 319.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 319.1 m 502.75 319.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 319.1 m 506.75 319.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 319.1 m 566.75 319.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 306.1 m 438.75 306.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 306.1 m 502.75 306.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 306.1 m 566.75 306.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 293.1 m 438.75 293.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 293.1 m 442.75 293.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 293.1 m 502.75 293.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 293.1 m 506.75 293.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 293.1 m 566.75 293.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 293.1 m 438.75 293.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 293.1 m 442.75 293.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 293.1 m 502.75 293.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 293.1 m 506.75 293.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 293.1 m 566.75 293.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 267.1 m 438.75 267.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 267.1 m 502.75 267.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 267.1 m 566.75 267.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 202.10000000000002 m 438.75 202.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 202.10000000000002 m 502.75 202.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 202.10000000000002 m 566.75 202.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 202.10000000000002 m 438.75 202.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 190.10000000000002 m 438.75 190.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 188.10000000000002 m 438.75 188.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 202.10000000000002 m 502.75 202.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 190.10000000000002 m 502.75 190.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 188.10000000000002 m 502.75 188.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 202.10000000000002 m 566.75 202.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 190.10000000000002 m 566.75 190.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.75 188.10000000000002 m 566.75 188.10000000000002 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.45 322.67 Td (December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.25 309.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.25 309.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.25 309.67 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.10 296.67 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 283.67 Td (Policy and Contract Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.25 283.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.90 283.67 Td (1,695.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.25 283.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.90 283.67 Td (1,605.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.25 283.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 283.67 Td (1,507.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 270.67 Td (Reserves for Future Policy and Contract Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.90 270.67 Td (44,841.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.90 270.67 Td (45,601.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.90 270.67 Td (44,245.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 257.67 Td (T) Tj ET Q q 0 0 0 rg BT 57.01 257.67 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.90 257.67 Td (46,537.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.90 257.67 Td (47,206.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.90 257.67 Td (45,753.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 244.67 Td (Less:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 231.67 Td ( Life Reserves for Future Policy and Contract Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.90 231.67 Td (8,330.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.90 231.67 Td (8,231.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 231.67 Td (8,078.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 218.67 Td ( ) Tj ET Q q 0 0 0 rg BT 58.20 218.67 Td (Accident and Health ) Tj ET Q q 0 0 0 rg BT 142.33 218.67 Td (Active Life Reserves) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.90 218.67 Td (1) Tj ET Q q 0 0 0 rg BT 404.90 218.67 Td (1,837.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.90 218.67 Td (10,658.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.90 218.67 Td (10,172.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 205.67 Td (Adjustment Related to Unrealized Investment Gains and Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.90 205.67 Td (3,220.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.90 205.67 Td (5,094.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 205.67 Td (4,253.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 192.83 Td (Liability for) Tj ET Q q 0 0 0 rg BT 103.01 192.83 Td ( Unpaid Claims and Claim ) Tj ET Q q 0 0 0 rg BT 218.88 192.83 Td (Adjustment Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.25 192.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.90 192.67 Td (23,149.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.25 192.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.90 192.67 Td (23,222.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.25 192.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.90 192.67 Td (23,249.5) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 165.60 Td (The adjustment related to unrealized investment gains and losses reflects the changes that would be necessary to policyholder ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 153.60 Td (liabilities if the unrealized investment gains and losses related to the corresponding available-for) Tj ET Q q 0 0 0 rg BT 435.29 153.60 Td (-sale securities had been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 141.60 Td (realized. Changes in this adjustment are reported as a component of other comprehensive income or loss. ) Tj ET Q endstream endobj 321 0 obj <> endobj 322 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 7 - Income ) Tj ET Q q 0 0 0 rg BT 119.80 712.75 Td (T) Tj ET Q q 0 0 0 rg BT 125.55 712.75 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (156) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (T) Tj ET Q q 0 0 0 rg BT 54.91 690.60 Td (otal income tax expense \(benefit\) is allocated as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 638.10 313.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.75 638.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 638.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.75 638.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.75 638.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.75 638.10 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 610.10 313.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.75 610.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 610.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.75 610.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.75 610.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.75 610.10 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 582.10 313.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.75 582.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 582.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.75 582.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.75 582.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.75 582.10 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 544.10 313.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.75 544.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 544.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.75 544.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.75 544.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.75 544.10 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 516.10 313.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.75 516.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 516.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.75 516.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.75 516.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.75 516.10 67.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.75 666.1 m 426.75 666.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.75 666.1 m 430.75 666.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 666.1 m 495.75 666.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.75 666.1 m 499.75 666.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.75 666.1 m 566.75 666.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.75 652.1 m 426.75 652.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 652.1 m 495.75 652.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.75 652.1 m 566.75 652.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.75 638.1 m 426.75 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.75 638.1 m 430.75 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 638.1 m 495.75 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.75 638.1 m 499.75 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.75 638.1 m 566.75 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.75 502.1 m 426.75 502.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.75 489.1 m 426.75 489.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.75 487.1 m 426.75 487.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 502.1 m 495.75 502.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 489.1 m 495.75 489.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 487.1 m 495.75 487.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.75 502.1 m 566.75 502.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.75 489.1 m 566.75 489.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.75 487.1 m 566.75 487.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.45 670.67 Td (Y) Tj ET Q q 0 0 0 rg BT 419.17 670.67 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.75 656.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.75 656.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.75 656.67 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.60 642.67 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 628.67 Td (Net Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.25 628.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.40 628.67 Td (104.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.25 628.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.40 628.67 Td (409.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.25 628.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 628.67 Td (416.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 614.67 Td (Stockholders' Equity - ) Tj ET Q q 0 0 0 rg BT 142.49 614.67 Td (Additional Paid-in Capital) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 600.67 Td ( Stock-Based Compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.90 600.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.90 600.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.05 600.67 Td (\(0.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 600.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 586.67 Td (Stockholders' Equity - ) Tj ET Q q 0 0 0 rg BT 142.21 586.67 Td (Accumulated Other Comprehensive Income \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 572.67 Td (Change in Net Unrealized Gain on Securities Before ) Tj ET Q q 0 0 0 rg BT 269.68 572.67 Td (Adjustment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.05 572.72 Td (\(614.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.90 572.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.40 572.67 Td (328.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 572.67 Td (318.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 558.67 Td (Change in ) Tj ET Q q 0 0 0 rg BT 100.30 558.67 Td (Adjustment to Deferred ) Tj ET Q q 0 0 0 rg BT 197.22 558.67 Td (Acquisition Costs and Reserves for) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 548.67 Td (Future Policy and Contract Benefits, Net of Reinsurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.40 548.77 Td (371.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.05 548.82 Td (\(245.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.90 548.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.05 548.77 Td (\(200.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 548.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 534.67 Td (Change in Net Gain on Hedges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.05 534.72 Td (\(8.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.90 534.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.05 534.72 Td (\(24.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.90 534.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.05 534.67 Td (\(25.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 534.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 520.67 Td (Change in Foreign Currency ) Tj ET Q q 0 0 0 rg BT 173.80 520.67 Td (T) Tj ET Q q 0 0 0 rg BT 179.64 520.67 Td (ranslation ) Tj ET Q q 0 0 0 rg BT 221.12 520.67 Td (Adjustment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.05 520.72 Td (\(0.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.90 520.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.90 520.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.90 520.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 506.67 Td (Change in Unrecognized Pension and Postretirement Benefit Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.40 506.67 Td (17.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.05 506.72 Td (\(8.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.90 506.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.05 506.67 Td (\(34.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 506.67 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 492.78 Td (T) Tj ET Q q 0 0 0 rg BT 57.00 492.78 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.25 492.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.05 492.72 Td (\(129.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.90 492.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.25 492.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.40 492.67 Td (460.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.25 492.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 492.67 Td (473.8) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 464.60 Td (A) Tj ET Q q 0 0 0 rg BT 56.17 464.60 Td ( reconciliation of the income tax provision at the U.S. federal statutory rate to the income tax rate as reported in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 452.60 Td (consolidated statements of income is as follows. Certain prior year amounts have been reclassified to conform to current year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 440.60 Td (reporting. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 402.10 314.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.25 402.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.25 402.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.25 402.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.25 402.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 402.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 374.10 314.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.25 374.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.25 374.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.25 374.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.25 374.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 374.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 346.10 314.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.25 346.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.25 346.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.25 346.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.25 346.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 346.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 318.10 314.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.25 318.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.25 318.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.25 318.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.25 318.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 318.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 290.10 314.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.25 290.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.25 290.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.25 290.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.25 290.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 290.10 65.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.25 416.1 m 428.25 416.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.25 416.1 m 432.25 416.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.25 416.1 m 497.25 416.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.25 416.1 m 501.25 416.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.25 416.1 m 566.25 416.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.25 402.1 m 428.25 402.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.25 402.1 m 497.25 402.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.25 402.1 m 566.25 402.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.25 290.1 m 428.25 290.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.25 290.1 m 497.25 290.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.25 290.1 m 566.25 290.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.25 290.1 m 428.25 290.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.25 277.1 m 428.25 277.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.25 275.1 m 428.25 275.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.25 290.1 m 497.25 290.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.25 277.1 m 497.25 277.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.25 275.1 m 497.25 275.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.25 290.1 m 566.25 290.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.25 277.1 m 566.25 277.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.25 275.1 m 566.25 275.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.95 420.67 Td (Y) Tj ET Q q 0 0 0 rg BT 419.67 420.67 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.25 406.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.25 406.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.25 406.67 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 392.67 Td (Statutory Income ) Tj ET Q q 0 0 0 rg BT 123.31 392.67 Td (T) Tj ET Q q 0 0 0 rg BT 128.98 392.67 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.90 392.67 Td (21.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.40 392.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.90 392.67 Td (35.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.40 392.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 392.67 Td (35.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.40 392.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 378.67 Td (Foreign Rate Dif) Tj ET Q q 0 0 0 rg BT 119.42 378.67 Td (ferential, Inclusive of Foreign Rate Changes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.55 378.72 Td (\(0.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.40 378.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.55 378.72 Td (\(1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.40 378.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.55 378.72 Td (\(2.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.40 378.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 364.67 Td (U.S. Deferred ) Tj ET Q q 0 0 0 rg BT 109.97 364.67 Td (T) Tj ET Q q 0 0 0 rg BT 115.64 364.67 Td (ax Liability Remeasurement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.40 364.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.55 364.72 Td (\(7.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.40 364.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.40 364.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 350.67 Td (Deemed Repatriation ) Tj ET Q q 0 0 0 rg BT 139.40 350.67 Td (T) Tj ET Q q 0 0 0 rg BT 145.07 350.67 Td (ax on Foreign Earnings and Profit \(E&P\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.90 350.67 Td (1.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.90 350.67 Td (4.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.40 350.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 336.67 Td (T) Tj ET Q q 0 0 0 rg BT 57.51 336.67 Td (ax Exempt Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.55 336.72 Td (\(1.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.40 336.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.55 336.72 Td (\(0.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.40 336.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.55 336.72 Td (\(0.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.40 336.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 322.67 Td (T) Tj ET Q q 0 0 0 rg BT 57.51 322.67 Td (ax Credits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.55 322.72 Td (\(2.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.40 322.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.55 322.72 Td (\(1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.40 322.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.55 322.72 Td (\(1.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.40 322.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 308.67 Td (Policyholder Reserves) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.55 308.72 Td (\(2.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.40 308.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.40 308.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.40 308.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 294.67 Td (Other Items, Net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.90 294.67 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.55 294.72 Td (\(0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.40 294.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 294.67 Td (0.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 280.78 Td (Effective ) Tj ET Q q 0 0 0 rg BT 91.82 280.78 Td (T) Tj ET Q q 0 0 0 rg BT 97.58 280.78 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.90 280.67 Td (16.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.40 280.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.90 280.67 Td (29.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.40 280.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 280.67 Td (30.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.40 280.67 Td (%) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 323 0 obj <> endobj 324 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 7 - Income ) Tj ET Q q 0 0 0 rg BT 119.80 712.75 Td (T) Tj ET Q q 0 0 0 rg BT 125.55 712.75 Td (ax - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (157) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (Our net deferred tax \(asset\) liability consists of the following:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 638.10 344.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.75 638.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.75 638.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.75 638.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 610.10 344.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.75 610.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.75 610.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.75 610.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 582.10 344.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.75 582.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.75 582.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.75 582.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 554.10 344.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.75 554.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.75 554.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.75 554.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 526.10 344.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.75 526.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.75 526.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.75 526.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 498.10 344.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.75 498.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.75 498.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.75 498.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 470.10 344.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.75 470.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.75 470.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.75 470.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 442.10 344.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.75 442.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.75 442.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.75 442.10 85.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 666.1 m 477.75 666.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.75 666.1 m 481.75 666.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.75 666.1 m 566.75 666.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 652.1 m 477.75 652.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.75 652.1 m 566.75 652.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 638.1 m 477.75 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.75 638.1 m 481.75 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.75 638.1 m 566.75 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 554.1 m 477.75 554.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.75 554.1 m 566.75 554.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 554.1 m 477.75 554.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 540.1 m 477.75 540.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.75 554.1 m 566.75 554.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.75 540.1 m 566.75 540.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 470.1 m 477.75 470.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.75 470.1 m 566.75 470.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 442.1 m 477.75 442.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.75 442.1 m 566.75 442.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 428.1 m 477.75 428.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 415.1 m 477.75 415.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 413.1 m 477.75 413.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.75 428.1 m 566.75 428.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.75 415.1 m 566.75 415.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.75 413.1 m 566.75 413.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.45 670.67 Td (December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.75 656.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.75 656.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.10 642.67 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 628.78 Td (Deferr) Tj ET Q q 0 0 0 rg BT 79.47 628.78 Td (ed ) Tj ET Q q 0 0 0 rg BT 91.78 628.78 Td (T) Tj ET Q q 0 0 0 rg BT 97.91 628.78 Td (ax Liability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 614.67 Td ( Deferred ) Tj ET Q q 0 0 0 rg BT 96.50 614.67 Td (Acquisition Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.25 614.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.40 614.67 Td (129.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.25 614.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 614.67 Td (1) Tj ET Q q 0 0 0 rg BT 545.40 614.67 Td (18.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 600.67 Td ( Fixed ) Tj ET Q q 0 0 0 rg BT 83.75 600.67 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.40 600.67 Td (56.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 600.67 Td (52.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 586.67 Td ( Invested ) Tj ET Q q 0 0 0 rg BT 94.85 586.67 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.40 586.67 Td (493.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 586.67 Td (1,074.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 572.67 Td ( Intangible ) Tj ET Q q 0 0 0 rg BT 101.52 572.67 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.40 572.67 Td (24.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 572.67 Td (6.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 558.67 Td ( Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.40 558.67 Td (34.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 558.67 Td (35.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 544.67 Td (Gross Deferred ) Tj ET Q q 0 0 0 rg BT 115.02 544.67 Td (T) Tj ET Q q 0 0 0 rg BT 120.69 544.67 Td (ax Liability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.40 544.67 Td (737.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 544.67 Td (1,287.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 516.78 Td (Deferr) Tj ET Q q 0 0 0 rg BT 79.47 516.78 Td (ed ) Tj ET Q q 0 0 0 rg BT 91.78 516.78 Td (T) Tj ET Q q 0 0 0 rg BT 97.91 516.78 Td (ax ) Tj ET Q q 0 0 0 rg BT 109.67 516.78 Td (Asset) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 502.67 Td ( Reserves) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.40 502.67 Td (668.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 502.67 Td (908.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 488.67 Td ( Employee Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.40 488.67 Td (179.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 488.67 Td (188.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 474.67 Td ( Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.40 474.67 Td (17.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 474.67 Td (12.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 460.67 Td (Gross Deferred ) Tj ET Q q 0 0 0 rg BT 115.02 460.67 Td (T) Tj ET Q q 0 0 0 rg BT 120.69 460.67 Td (ax ) Tj ET Q q 0 0 0 rg BT 132.00 460.67 Td (Asset) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.40 460.67 Td (865.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 460.67 Td (1,109.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 446.67 Td ( Less: ) Tj ET Q q 0 0 0 rg BT 82.27 446.67 Td (V) Tj ET Q q 0 0 0 rg BT 88.85 446.67 Td (aluation ) Tj ET Q q 0 0 0 rg BT 122.73 446.67 Td (Allowance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.40 446.67 Td (18.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 446.67 Td (20.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 432.67 Td (Net Deferred ) Tj ET Q q 0 0 0 rg BT 106.04 432.67 Td (T) Tj ET Q q 0 0 0 rg BT 111.45 432.67 Td (ax ) Tj ET Q q 0 0 0 rg BT 122.83 432.67 Td (Asset) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.40 432.67 Td (847.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 432.67 Td (1,088.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 418.78 Td (Net Deferr) Tj ET Q q 0 0 0 rg BT 96.87 418.78 Td (ed ) Tj ET Q q 0 0 0 rg BT 109.18 418.78 Td (T) Tj ET Q q 0 0 0 rg BT 114.94 418.78 Td (ax \(Asset\) Liability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.25 418.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.05 418.72 Td (\(109.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.90 418.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.25 418.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 418.67 Td (199.0) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.60 Td (Our consolidated statements of income include amounts subject to both domestic and foreign taxation. ) Tj ET Q q 0 0 0 rg BT 464.22 390.60 Td (The income and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 378.60 Td (related tax expense \(benefit\) are as follows. ) Tj ET Q q 0 0 0 rg BT 228.41 378.60 Td (The federal statutory rates used were 21 percent for 2018 and 35 percent for 2017 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 366.60 Td (and 2016: ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 314.10 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 314.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 314.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 314.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 314.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 314.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 286.10 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 286.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 286.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 286.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 286.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 286.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 258.10 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 258.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 258.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 258.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 258.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 258.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 230.10 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 230.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 230.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 230.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 230.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 230.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 202.10 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 202.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 202.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 202.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 202.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 202.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 174.10 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 174.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 174.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 174.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 174.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 174.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 146.10 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 146.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 146.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 146.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 146.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 146.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 118.10 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 118.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 118.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 118.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 118.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 118.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 90.10 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 90.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 90.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 90.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 90.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 90.10 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 342.1 m 438.25 342.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.25 342.1 m 442.25 342.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 342.1 m 502.25 342.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.25 342.1 m 506.25 342.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 342.1 m 566.25 342.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 328.1 m 438.25 328.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 328.1 m 502.25 328.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 328.1 m 566.25 328.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 314.1 m 438.25 314.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.25 314.1 m 442.25 314.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 314.1 m 502.25 314.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.25 314.1 m 506.25 314.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 314.1 m 566.25 314.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 272.1 m 438.25 272.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 272.1 m 502.25 272.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 272.1 m 566.25 272.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 272.1 m 438.25 272.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 259.1 m 438.25 259.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 257.1 m 438.25 257.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 272.1 m 502.25 272.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 259.1 m 502.25 259.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 257.1 m 502.25 257.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 272.1 m 566.25 272.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 259.1 m 566.25 259.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 257.1 m 566.25 257.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 188.10000000000002 m 438.25 188.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 188.10000000000002 m 502.25 188.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 188.10000000000002 m 566.25 188.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 174.10000000000002 m 438.25 174.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 174.10000000000002 m 502.25 174.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 174.10000000000002 m 566.25 174.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 104.10000000000002 m 438.25 104.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 104.10000000000002 m 502.25 104.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 104.10000000000002 m 566.25 104.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 104.10000000000002 m 438.25 104.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 90.10000000000002 m 438.25 90.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 104.10000000000002 m 502.25 104.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 90.10000000000002 m 502.25 90.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 104.10000000000002 m 566.25 104.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 90.10000000000002 m 566.25 90.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 63.10000000000002 m 438.25 63.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 61.10000000000002 m 438.25 61.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 63.10000000000002 m 502.25 63.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 61.10000000000002 m 502.25 61.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 63.10000000000002 m 566.25 63.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 61.10000000000002 m 566.25 61.10000000000002 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.45 346.67 Td (Y) Tj ET Q q 0 0 0 rg BT 427.17 346.67 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.75 332.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.75 332.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.75 332.67 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.60 318.67 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 304.67 Td (Income Before ) Tj ET Q q 0 0 0 rg BT 113.85 304.67 Td (T) Tj ET Q q 0 0 0 rg BT 119.52 304.67 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 290.67 Td ( Domestic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.75 290.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.90 290.67 Td (492.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.75 290.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.40 290.67 Td (1,289.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.75 290.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 290.67 Td (1,215.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 276.67 Td ( Foreign) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.90 276.67 Td (135.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.90 276.67 Td (1) Tj ET Q q 0 0 0 rg BT 480.90 276.67 Td (15.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 276.67 Td (131.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 262.67 Td ( ) Tj ET Q q 0 0 0 rg BT 59.16 262.67 Td (T) Tj ET Q q 0 0 0 rg BT 64.83 262.67 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.75 262.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.90 262.67 Td (627.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.75 262.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.40 262.67 Td (1,404.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.75 262.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 262.67 Td (1,347.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 234.67 Td (Current ) Tj ET Q q 0 0 0 rg BT 84.71 234.67 Td (T) Tj ET Q q 0 0 0 rg BT 90.38 234.67 Td (ax Expense \(Benefit\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 220.67 Td ( Federal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.75 220.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.90 220.67 Td (194.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.75 220.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.90 220.67 Td (374.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.75 220.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 220.67 Td (414.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 206.67 Td ( State and Local) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.55 206.72 Td (\(0.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.40 206.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.90 206.67 Td (0.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.90 206.67 Td (0.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 192.67 Td ( Foreign) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.90 192.67 Td (33.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.90 192.67 Td (26.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.55 192.67 Td (\(29.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 192.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 178.67 Td ( ) Tj ET Q q 0 0 0 rg BT 59.16 178.67 Td (T) Tj ET Q q 0 0 0 rg BT 64.83 178.67 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.90 178.67 Td (227.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.90 178.67 Td (401.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 178.67 Td (385.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 150.67 Td (Deferred ) Tj ET Q q 0 0 0 rg BT 89.69 150.67 Td (T) Tj ET Q q 0 0 0 rg BT 95.36 150.67 Td (ax Expense \(Benefit\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 136.67 Td ( Federal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.55 136.72 Td (\(1) Tj ET Q q 0 0 0 rg BT 416.88 136.72 Td (14.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.40 136.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.90 136.67 Td (14.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.55 136.67 Td (\(14.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 136.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 122.67 Td ( State and Local) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.55 122.72 Td (\(0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.40 122.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.55 122.72 Td (\(0.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.40 122.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.55 122.67 Td (\(2.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 122.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 108.67 Td ( Foreign) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.55 108.72 Td (\(8.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.40 108.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.55 108.72 Td (\(5.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.40 108.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 108.67 Td (47.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 94.67 Td ( ) Tj ET Q q 0 0 0 rg BT 59.07 94.67 Td (T) Tj ET Q q 0 0 0 rg BT 64.48 94.67 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.55 94.72 Td (\(123.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.40 94.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.90 94.67 Td (8.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 94.67 Td (30.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 66.78 Td (T) Tj ET Q q 0 0 0 rg BT 57.50 66.78 Td (otal ) Tj ET Q q 0 0 0 rg BT 75.93 66.78 Td (T) Tj ET Q q 0 0 0 rg BT 81.68 66.78 Td (ax Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.75 66.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.90 66.67 Td (104.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.75 66.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.90 66.67 Td (409.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.75 66.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 66.67 Td (416.3) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 325 0 obj <> endobj 326 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 7 - Income ) Tj ET Q q 0 0 0 rg BT 119.80 712.75 Td (T) Tj ET Q q 0 0 0 rg BT 125.55 712.75 Td (ax - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (158) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (On December 22, 2017, the U.S. Federal government enacted the ) Tj ET Q q 0 0 0 rg BT 313.12 690.60 Td (TCJA, which reduced the federal corporate tax rate from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.46 690.60 Td (35 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.92 678.60 Td ( to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.70 678.60 Td (21 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.63 678.60 Td ( ef) Tj ET Q q 0 0 0 rg BT 143.71 678.60 Td (fective January 1, 2018. ) Tj ET Q q 0 0 0 rg BT 243.96 678.60 Td (Although the ) Tj ET Q q 0 0 0 rg BT 298.78 678.60 Td (TCJA's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.86 678.60 Td (21 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.79 678.60 Td ( corporate tax rate became ef) Tj ET Q q 0 0 0 rg BT 488.36 678.60 Td (fective on January ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.60 Td (1, 2018, we are required to adjust deferred tax assets and liabilities through continuing operations on the date of enactment. ) Tj ET Q q 0 0 0 rg BT 547.13 666.60 Td (As a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.60 Td (result, in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.00 654.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.00 654.60 Td ( we recorded an income tax benefit of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.81 654.60 Td ($97.9 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.71 654.60 Td ( for the ) Tj ET Q q 0 0 0 rg BT 345.90 654.60 Td (TCJA's corporate tax rate reduction and an income tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.60 Td (expense of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.04 642.60 Td ($66.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.93 642.60 Td ( for the deemed repatriation transition tax on accumulated foreign E&P) Tj ET Q q 0 0 0 rg BT 432.72 642.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.60 Td (TCJA) Tj ET Q q 0 0 0 rg BT 72.84 618.60 Td ( brought a lar) Tj ET Q q 0 0 0 rg BT 126.25 618.60 Td (ge number of complex changes to many areas of the tax code. ) Tj ET Q q 0 0 0 rg BT 378.20 618.60 Td (The Securities and Exchange Commission ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 606.60 Td (issued Staf) Tj ET Q q 0 0 0 rg BT 92.93 606.60 Td (f ) Tj ET Q q 0 0 0 rg BT 98.21 606.60 Td (Accounting Bulletin No. 1) Tj ET Q q 0 0 0 rg BT 203.93 606.60 Td (18 \(SAB 1) Tj ET Q q 0 0 0 rg BT 246.35 606.60 Td (18\) allowing a one-year measurement period after the enactment date of ) Tj ET Q q 0 0 0 rg BT 536.87 606.60 Td (TCJA) Tj ET Q q 0 0 0 rg BT 560.21 606.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 594.60 Td (to finalize the calculation and record the related tax impacts. ) Tj ET Q q 0 0 0 rg BT 295.88 594.60 Td (W) Tj ET Q q 0 0 0 rg BT 304.51 594.60 Td (e finalized and recorded adjustments to our initial estimates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.60 Td (during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.11 582.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.11 582.60 Td (. ) Tj ET Q q 0 0 0 rg BT 105.06 582.60 Td (As a result of guidance from the IRS, we recorded additional deemed repatriation transition tax on accumulated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 570.60 Td (foreign E&P) Tj ET Q q 0 0 0 rg BT 99.95 570.60 Td ( of $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.28 570.60 Td (1) Tj ET Q q 0 0 0 rg BT 122.91 570.60 Td (1.5 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.80 570.60 Td (, for a total of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.01 570.60 Td ($77.9 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.90 570.60 Td (. ) Tj ET Q q 0 0 0 rg BT 285.22 570.60 Td (W) Tj ET Q q 0 0 0 rg BT 293.86 570.60 Td (e recorded no other material changes to our calculations of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 558.60 Td (impact of the ) Tj ET Q q 0 0 0 rg BT 104.58 558.60 Td (TCJA) Tj ET Q q 0 0 0 rg BT 127.92 558.60 Td ( during the one-year measurement period after the enactment period as allowed by SAB 1) Tj ET Q q 0 0 0 rg BT 486.31 558.60 Td (18.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.60 Td (Ef) Tj ET Q q 0 0 0 rg BT 58.76 534.60 Td (fective January 1, 2018, the ) Tj ET Q q 0 0 0 rg BT 171.59 534.60 Td (TCJA) Tj ET Q q 0 0 0 rg BT 194.93 534.60 Td ( created a U.S. shareholder tax on certain foreign subsidiary income above a routine equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.60 Td (return on tangible depreciable business assets, or a tax on Global Intangible Low-taxed Income \(GIL) Tj ET Q q 0 0 0 rg BT 451.51 522.60 Td (TI\). ) Tj ET Q q 0 0 0 rg BT 471.59 522.60 Td (The F) Tj ET Q q 0 0 0 rg BT 494.46 522.60 Td (ASB has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.60 Td (provided additional guidance to address the accounting ef) Tj ET Q q 0 0 0 rg BT 280.08 510.60 Td (fects of GIL) Tj ET Q q 0 0 0 rg BT 328.03 510.60 Td (TI, requiring companies to elect to either recognize ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 498.60 Td (deferred taxes related to GIL) Tj ET Q q 0 0 0 rg BT 164.08 498.60 Td (TI or include in tax expense in the period incurred. ) Tj ET Q q 0 0 0 rg BT 372.16 498.60 Td (W) Tj ET Q q 0 0 0 rg BT 380.79 498.60 Td (e have elected to treat GIL) Tj ET Q q 0 0 0 rg BT 486.20 498.60 Td (TI as a period cost.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 474.60 Td (Under the ) Tj ET Q q 0 0 0 rg BT 91.53 474.60 Td (TCJA, a modified territorial tax system was adopted that required a one-time deemed repatriation tax on accumulated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 462.60 Td (foreign E&P) Tj ET Q q 0 0 0 rg BT 99.22 462.60 Td (. Future repatriation of foreign E&P) Tj ET Q q 0 0 0 rg BT 245.20 462.60 Td ( subject to the one-time deemed repatriation tax will not be subject to further ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 450.60 Td (U.S. taxation other than tax on foreign currency translation gain or loss. ) Tj ET Q q 0 0 0 rg BT 341.10 450.60 Td (As of December 31, 2018, our plans for the future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 438.60 Td (repatriations of cash from our foreign subsidiaries include only the amount of capital above that which is required by Solvency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 426.60 Td (II. ) Tj ET Q q 0 0 0 rg BT 63.48 426.60 Td (The remainder of our investment in our foreign subsidiaries is indefinitely reinvested and we have not recorded any deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.60 Td (taxes on the approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.02 414.60 Td ($0.7 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.14 414.60 Td ( of the excess of the U.S. GAAP) Tj ET Q q 0 0 0 rg BT 335.47 414.60 Td ( carrying values over the tax basis of investments in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 402.60 Td (foreign subsidiaries. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 378.60 Td (Our consolidated statements of income include the following changes in unrecognized tax benefits. Certain prior year amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 366.60 Td (have been reclassified to conform to current year reporting. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 314.10 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.75 314.10 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.75 314.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 314.10 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.75 314.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.75 314.10 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 286.10 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.75 286.10 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.75 286.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 286.10 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.75 286.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.75 286.10 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 258.10 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.75 258.10 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.75 258.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 258.10 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.75 258.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.75 258.10 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 230.10 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.75 230.10 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.75 230.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.75 230.10 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.75 230.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.75 230.10 62.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.75 342.1 m 434.75 342.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.75 342.1 m 438.75 342.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 342.1 m 500.75 342.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.75 342.1 m 504.75 342.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.75 342.1 m 566.75 342.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.75 328.1 m 434.75 328.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 328.1 m 500.75 328.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.75 328.1 m 566.75 328.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.75 314.1 m 434.75 314.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.75 314.1 m 438.75 314.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 314.1 m 500.75 314.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.75 314.1 m 504.75 314.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.75 314.1 m 566.75 314.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.75 314.1 m 434.75 314.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.75 314.1 m 438.75 314.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 314.1 m 500.75 314.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.75 314.1 m 504.75 314.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.75 314.1 m 566.75 314.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.75 244.10000000000002 m 434.75 244.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 244.10000000000002 m 500.75 244.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.75 244.10000000000002 m 566.75 244.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.75 216.10000000000002 m 434.75 216.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 216.10000000000002 m 500.75 216.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.75 216.10000000000002 m 566.75 216.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.75 191.10000000000002 m 434.75 191.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.75 189.10000000000002 m 434.75 189.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 191.10000000000002 m 500.75 191.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 189.10000000000002 m 500.75 189.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.75 191.10000000000002 m 566.75 191.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.75 189.10000000000002 m 566.75 189.10000000000002 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.45 346.67 Td (December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.25 332.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.25 332.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.25 332.67 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.10 318.67 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 304.78 Td (Balance at Beginning of ) Tj ET Q q 0 0 0 rg BT 154.96 304.78 Td (Y) Tj ET Q q 0 0 0 rg BT 161.44 304.78 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.25 304.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.40 304.67 Td (1.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.25 304.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.40 304.67 Td (1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.25 304.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 304.67 Td (0.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 290.67 Td (Additions for ) Tj ET Q q 0 0 0 rg BT 107.27 290.67 Td (T) Tj ET Q q 0 0 0 rg BT 112.94 290.67 Td (ax Positions Related to Prior ) Tj ET Q q 0 0 0 rg BT 229.34 290.67 Td (Y) Tj ET Q q 0 0 0 rg BT 235.88 290.67 Td (ears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.40 290.67 Td (261.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.40 290.67 Td (0.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 290.67 Td (0.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 276.67 Td (Additions for ) Tj ET Q q 0 0 0 rg BT 107.27 276.67 Td (T) Tj ET Q q 0 0 0 rg BT 112.94 276.67 Td (ax Positions Related to Current ) Tj ET Q q 0 0 0 rg BT 239.89 276.67 Td (Y) Tj ET Q q 0 0 0 rg BT 246.42 276.67 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.90 276.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.90 276.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.90 276.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 262.67 Td (Settlements with ) Tj ET Q q 0 0 0 rg BT 120.60 262.67 Td (T) Tj ET Q q 0 0 0 rg BT 126.27 262.67 Td (ax ) Tj ET Q q 0 0 0 rg BT 137.58 262.67 Td (Authorities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.90 262.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.90 262.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.90 262.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 248.67 Td (Lapse of the ) Tj ET Q q 0 0 0 rg BT 102.90 248.67 Td (Applicable Statute of Limitations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.05 248.72 Td (\(0.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.90 248.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.05 248.72 Td (\(0.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.90 248.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.90 248.67 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 234.78 Td (Balance at End of ) Tj ET Q q 0 0 0 rg BT 129.40 234.78 Td (Y) Tj ET Q q 0 0 0 rg BT 135.89 234.78 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.40 234.67 Td (262.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.40 234.67 Td (1.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 234.67 Td (1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 220.67 Td (Less ) Tj ET Q q 0 0 0 rg BT 71.90 220.67 Td (T) Tj ET Q q 0 0 0 rg BT 77.31 220.67 Td (ax ) Tj ET Q q 0 0 0 rg BT 88.70 220.67 Td (Attributable to ) Tj ET Q q 0 0 0 rg BT 149.61 220.67 Td (T) Tj ET Q q 0 0 0 rg BT 155.02 220.67 Td (emporary Items Included ) Tj ET Q q 0 0 0 rg BT 257.49 220.67 Td (Above) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.05 220.72 Td (\(148.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.90 220.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.90 220.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.90 220.67 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 204.78 Td (T) Tj ET Q q 0 0 0 rg BT 57.00 204.78 Td (otal Unr) Tj ET Q q 0 0 0 rg BT 92.65 204.78 Td (ecognized ) Tj ET Q q 0 0 0 rg BT 136.63 204.78 Td (T) Tj ET Q q 0 0 0 rg BT 142.38 204.78 Td (ax Benefits ) Tj ET Q q 0 0 0 rg BT 191.64 204.78 Td (That if Recognized ) Tj ET Q q 0 0 0 rg BT 274.50 204.78 Td (W) Tj ET Q q 0 0 0 rg BT 283.95 204.78 Td (ould ) Tj ET Q q 0 0 0 rg BT 304.80 204.78 Td (Affect the) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 194.78 Td (Effective ) Tj ET Q q 0 0 0 rg BT 91.32 194.78 Td (T) Tj ET Q q 0 0 0 rg BT 97.08 194.78 Td (ax Rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.25 194.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.40 194.77 Td (1) Tj ET Q q 0 0 0 rg BT 413.40 194.77 Td (14.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.25 194.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.40 194.77 Td (1.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.25 194.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 194.77 Td (1.5) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.60 Td (During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.33 166.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.33 166.60 Td ( we recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.47 166.60 Td ($261.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.36 166.60 Td ( gross unrecognized tax benefits for a policyholder reserves position taken on our 2017 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 154.60 Td (federal tax return, which if recognized, would decrease our tax expense by $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.92 154.60 Td (1) Tj ET Q q 0 0 0 rg BT 359.55 154.60 Td (12.9 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.45 154.60 Td (. Included in the balance at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 142.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.08 142.60 Td (, is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.25 142.60 Td ($148.2 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.15 142.60 Td ( of unrecognized tax benefits for which the ultimate deductibility is highly certain but for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 130.60 Td (which there is uncertainty about the timing of such deductibility) Tj ET Q q 0 0 0 rg BT 305.18 130.60 Td (. It is reasonably possible that this item could reverse in the next ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 118.60 Td (12 months following review by the Internal Revenue Service \(IRS\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 94.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 94.60 Td (e recognize interest expense and penalties, if applicable, related to unrecognized tax benefits in tax expense. ) Tj ET Q q 0 0 0 rg BT 494.99 94.60 Td (W) Tj ET Q q 0 0 0 rg BT 503.63 94.60 Td (e recognized a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 82.60 Td (de minimis amount of interest expense related to unrecognized tax benefits during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.51 82.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.51 82.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.51 82.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.51 82.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.95 82.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.95 82.60 Td (. ) Tj ET Q q 0 0 0 rg BT 472.27 82.60 Td (W) Tj ET Q q 0 0 0 rg BT 480.91 82.60 Td (e held a de minimis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 70.60 Td (liability in our consolidated balance sheets for accrued interest related to unrecognized tax benefits at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.84 70.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.42 70.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.42 70.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 560.42 70.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 58.60 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.44 58.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.44 58.60 Td (.) Tj ET Q endstream endobj 327 0 obj <> endobj 328 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 7 - Income ) Tj ET Q q 0 0 0 rg BT 119.80 712.75 Td (T) Tj ET Q q 0 0 0 rg BT 125.55 712.75 Td (ax - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (159) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 690.60 Td (e file federal and state income tax returns in the United States and in foreign jurisdictions. ) Tj ET Q q 0 0 0 rg BT 422.29 690.60 Td (T) Tj ET Q q 0 0 0 rg BT 427.70 690.60 Td (ax years subsequent to 2014 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (remain subject to examination by the IRS. ) Tj ET Q q 0 0 0 rg BT 222.52 678.60 Td (All other major foreign jurisdictions remain subject to examination for tax years ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.60 Td (subsequent to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.72 666.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.72 666.60 Td ( with the exception of Poland for which tax years subsequent to 2013 remain subject to examination. ) Tj ET Q q 0 0 0 rg BT 533.94 666.60 Td (W) Tj ET Q q 0 0 0 rg BT 542.58 666.60 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.60 Td (believe suf) Tj ET Q q 0 0 0 rg BT 92.91 654.60 Td (ficient provision has been made for all potential adjustments for years that are not closed by the statute of limitations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.60 Td (in all major tax jurisdictions and that any such adjustments would not have a material adverse ef) Tj ET Q q 0 0 0 rg BT 434.21 642.60 Td (fect on our financial position, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.60 Td (liquidity) Tj ET Q q 0 0 0 rg BT 82.74 630.60 Td (, or results of operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 606.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 606.60 Td (e file state income tax returns in nearly every state in the United States. ) Tj ET Q q 0 0 0 rg BT 347.86 606.60 Td (T) Tj ET Q q 0 0 0 rg BT 353.27 606.60 Td (ax years subsequent to 2013 remain subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 594.60 Td (examination depending on the statute of limitation established by the various states, which is generally three to four years. ) Tj ET Q q 0 0 0 rg BT 543.08 594.60 Td (T) Tj ET Q q 0 0 0 rg BT 548.49 594.60 Td (ax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.60 Td (years subsequent to 2010 remain subject to examination in California. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 558.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 558.60 Td (e have an accumulated federal net operating loss carryforward of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.23 558.60 Td ($6.5 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.12 558.60 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.28 558.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.87 558.60 Td ( and had none as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.60 Td (December31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.08 546.60 Td (. Current year net operating losses relate to subsidiaries not yet included in the consolidated U.S. federal tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.60 Td (return and are not expected to expire unused. Our federal capital loss carryforward, also related to subsidiaries not included in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.60 Td (the consolidated U.S. federal return, was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.72 522.60 Td ($0.7 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.62 522.60 Td ( at both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.11 522.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.70 522.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.13 522.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.13 522.60 Td ( and is expected to be utilized by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.60 Td (time it expires in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.49 510.60 Td (2022) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.49 510.60 Td (. ) Tj ET Q q 0 0 0 rg BT 146.80 510.60 Td (W) Tj ET Q q 0 0 0 rg BT 155.44 510.60 Td (e have net operating loss carryforwards for state and local income tax of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.98 510.60 Td ($195 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.37 510.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 498.60 Td (most of which is expected to expire unused between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.83 498.60 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.83 498.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.27 498.60 Td (2038) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.27 498.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 474.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 474.60 Td (e record valuation allowances to reduce deferred tax assets to the amount that is more likely than not to be realized. Our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 462.60 Td (valuation allowance was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.30 462.60 Td ($18.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.19 462.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.63 462.60 Td ($20.3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.52 462.60 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.73 462.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.32 462.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.76 462.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.76 462.60 Td (, the majority of which related to our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 450.60 Td (cumulative deferred state income tax benefits. ) Tj ET Q q 0 0 0 rg BT 238.68 450.60 Td (The de minimis remaining amount of our valuation allowance relates to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 438.60 Td (unrealized tax losses on buildings which we own and occupy in the U.K. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.60 Td (T) Tj ET Q q 0 0 0 rg BT 54.91 414.60 Td (otal income taxes paid net of refunds during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.75 414.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.75 414.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.75 414.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.75 414.60 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.69 414.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.69 414.60 Td ( were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.12 414.60 Td ($139.7 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.01 414.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.01 414.60 Td ($377.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.90 414.60 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.84 414.60 Td ($384.3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.73 414.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 402.60 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.16 402.60 Td (.) Tj ET Q endstream endobj 329 0 obj <> endobj 330 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 8 - Debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (160) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (Debt consists of the following: ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 638.10 221.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.25 638.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.25 638.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.25 638.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.25 638.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.25 638.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.25 638.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.25 638.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 610.10 221.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.25 610.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.25 610.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.25 610.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.25 610.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.25 610.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.25 610.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.25 610.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 582.10 221.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.25 582.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.25 582.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.25 582.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.25 582.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.25 582.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.25 582.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.25 582.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 554.10 221.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.25 554.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.25 554.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.25 554.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.25 554.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.25 554.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.25 554.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.25 554.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 526.10 221.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.25 526.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.25 526.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.25 526.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.25 526.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.25 526.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.25 526.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.25 526.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 498.10 221.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.25 498.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.25 498.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.25 498.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.25 498.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.25 498.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.25 498.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.25 498.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 470.10 221.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.25 470.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.25 470.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.25 470.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.25 470.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.25 470.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.25 470.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.25 470.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 442.10 221.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.25 442.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.25 442.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.25 442.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.25 442.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.25 442.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.25 442.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.25 442.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 414.10 221.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.25 414.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.25 414.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.25 414.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.25 414.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.25 414.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.25 414.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.25 414.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 386.10 221.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.25 386.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.25 386.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.25 386.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.25 386.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.25 386.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.25 386.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.25 386.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 358.10 221.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.25 358.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.25 358.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.25 358.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.25 358.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.25 358.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.25 358.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.25 358.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 330.10 221.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.25 330.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.25 330.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.25 330.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.25 330.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.25 330.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.25 330.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.25 330.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 302.10 221.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.25 302.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.25 302.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.25 302.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.25 302.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.25 302.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.25 302.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.25 302.10 71.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.25 666.1 m 491.25 666.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.25 666.1 m 495.25 666.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.25 666.1 m 566.25 666.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.25 652.1 m 491.25 652.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.25 652.1 m 566.25 652.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.25 638.1 m 341.25 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.25 638.1 m 416.25 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.25 638.1 m 491.25 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.25 638.1 m 495.25 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.25 638.1 m 566.25 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.25 400.1 m 491.25 400.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.25 400.1 m 566.25 400.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.25 400.1 m 491.25 400.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.25 386.1 m 491.25 386.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.25 400.1 m 566.25 400.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.25 386.1 m 566.25 386.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.25 386.1 m 491.25 386.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.25 316.1 m 491.25 316.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.25 316.1 m 566.25 316.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.25 316.1 m 491.25 316.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.25 302.1 m 491.25 302.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.25 316.1 m 566.25 316.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.25 302.1 m 566.25 302.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.25 275.1 m 491.25 275.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.25 273.1 m 491.25 273.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.25 275.1 m 566.25 275.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.25 273.1 m 566.25 273.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.95 670.67 Td (December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.25 656.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.25 656.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.85 642.67 Td (Interest Rates) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.65 642.67 Td (Maturities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.60 642.67 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 628.78 Td (Long-term Debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 614.67 Td (Outstanding Principal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 600.67 Td ( Senior Secured Notes issued 2007) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.55 600.67 Td (V) Tj ET Q q 0 0 0 rg BT 295.22 600.67 Td (ariable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.25 600.67 Td (2037) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.75 600.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.90 600.67 Td (140.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.75 600.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 600.67 Td (200.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 586.67 Td ( Senior Notes issued 1998) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.40 586.67 Td (6.750 - 7.250%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.25 586.67 Td (2028) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.90 586.67 Td (365.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 586.67 Td (365.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 572.67 Td ( Senior Notes issued 2002) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.80 572.67 Td (7.375%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.25 572.67 Td (2032) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.90 572.67 Td (39.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 572.67 Td (39.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 558.67 Td ( Senior Notes issued 2010) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.80 558.67 Td (5.625%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.25 558.67 Td (2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.90 558.67 Td (400.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 558.67 Td (400.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 544.67 Td ( Senior Notes issued 2012 and 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.80 544.67 Td (5.750%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.25 544.67 Td (2042) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.90 544.67 Td (500.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 544.67 Td (500.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 530.67 Td ( Senior Notes issued 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.80 530.67 Td (4.000%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.25 530.67 Td (2024) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.90 530.67 Td (350.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 530.67 Td (350.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 516.67 Td ( Senior Notes issued 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.80 516.67 Td (3.875%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.25 516.67 Td (2025) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.90 516.67 Td (275.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 516.67 Td (275.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 502.67 Td ( Senior Notes issued 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.80 502.67 Td (3.000%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.25 502.67 Td (2021) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.90 502.67 Td (350.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 502.67 Td (350.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 488.67 Td ( Medium-term Notes issued 1990 - 1996) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.40 488.67 Td (7.000 - 7.190%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.05 488.67 Td (2023 - 2028) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.90 488.67 Td (50.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 488.67 Td (50.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 474.67 Td ( Junior Subordinated Debt Securities issued 1998) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.80 474.67 Td (7.405%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.25 474.67 Td (2038) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.90 474.67 Td (226.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 474.67 Td (226.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 460.67 Td ( Junior Subordinated Debt Securities issued 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.80 460.67 Td (6.250%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.25 460.67 Td (2058) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.90 460.67 Td (300.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 460.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 446.67 Td (Fair ) Tj ET Q q 0 0 0 rg BT 70.27 446.67 Td (V) Tj ET Q q 0 0 0 rg BT 76.85 446.67 Td (alue Hedge ) Tj ET Q q 0 0 0 rg BT 123.77 446.67 Td (Adjustment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.55 446.72 Td (\(5.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.40 446.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.55 446.67 Td (\(4.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 446.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 432.67 Td (Less:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 418.67 Td (Unamortized Net Premium) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.90 418.67 Td (9.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.90 418.67 Td (9.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 404.67 Td (Unamortized Debt Issuance Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.55 404.72 Td (\(30.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.40 404.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.55 404.67 Td (\(24.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 404.67 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 390.83 Td (T) Tj ET Q q 0 0 0 rg BT 57.96 390.83 Td (otal Long-term Debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.40 390.67 Td (2,971.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 390.67 Td (2,738.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 362.83 Td (Short-term Debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 348.67 Td (Outstanding Principal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 334.67 Td (Senior Notes issued 1998) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.80 334.67 Td (7.000%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.25 334.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.40 334.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 334.67 Td (200.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 320.67 Td (Less Unamortized Debt Issuance Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.40 320.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.55 320.67 Td (\(0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 320.67 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 306.78 Td (T) Tj ET Q q 0 0 0 rg BT 57.96 306.78 Td (otal Short-term Debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.40 306.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 306.67 Td (199.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 278.78 Td (T) Tj ET Q q 0 0 0 rg BT 57.50 278.78 Td (otal Debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.75 278.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.40 278.67 Td (2,971.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.75 278.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 278.67 Td (2,938.3) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 250.60 Td (Collateralized debt is comprised of our senior secured notes and ranks highest in priority) Tj ET Q q 0 0 0 rg BT 403.48 250.60 Td (, followed by unsecured notes, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.60 Td (consist of senior notes and medium-term notes, followed by junior subordinated debt securities. ) Tj ET Q q 0 0 0 rg BT 437.02 238.60 Td (The medium-term notes are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 226.60 Td (non-callable and the junior subordinated debt securities are callable under limited, specified circumstances. ) Tj ET Q q 0 0 0 rg BT 483.04 226.60 Td (The remaining debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 214.60 Td (is callable and may be redeemed, in whole or in part, at any time. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 190.60 Td (The aggregate contractual principal maturities are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.07 190.60 Td ($400.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.96 190.60 Td ( in 2020, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.74 190.60 Td ($350.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.63 190.60 Td ( in 2021, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.41 190.60 Td ($2.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.30 190.60 Td ( in 2023, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.60 Td ($2,245.6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.89 178.60 Td ( thereafter) Tj ET Q q 0 0 0 rg BT 156.14 178.60 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 154.60 Td (Senior Secured Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 130.60 Td (In 2007, Northwind Holdings, LLC \(Northwind Holdings\), a wholly-owned subsidiary of Unum Group, issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.57 130.60 Td ($800.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 554.47 130.60 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 118.60 Td (insured, senior secured notes \(the Northwind notes\) in a private of) Tj ET Q q 0 0 0 rg BT 313.97 118.60 Td (fering. ) Tj ET Q q 0 0 0 rg BT 345.16 118.60 Td (The Northwind notes bear interest at a floating rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 106.60 Td (equal to the three-month LIBOR plus ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.69 106.60 Td (0.78%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.52 106.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 94.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 82.60 Td (Northwind Holdings) Tj ET Q q 0 0 0 rg BT 134.59 82.60 Td ( ability to meet its obligations to pay principal, interest, and other amounts due on the Northwind notes will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 70.60 Td (be dependent principally on its receipt of dividends from Northwind Reinsurance Company \(Northwind Re\), the sole subsidiary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 58.60 Td (of Northwind Holdings. Northwind Re reinsured the risks attributable to specified individual disability insurance policies issued ) Tj ET Q endstream endobj 331 0 obj <> endobj 332 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 8 - Debt - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (161) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (by or reinsured by Provident Life and ) Tj ET Q q 0 0 0 rg BT 201.97 690.60 Td (Accident Insurance Company) Tj ET Q q 0 0 0 rg BT 320.16 690.60 Td (, Unum Life Insurance Company of ) Tj ET Q q 0 0 0 rg BT 464.85 690.60 Td (America, and ) Tj ET Q q 0 0 0 rg BT 521.03 690.60 Td (The Paul ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (Revere Life Insurance Company \(collectively) Tj ET Q q 0 0 0 rg BT 231.55 678.60 Td (, the ceding insurers\) pursuant to separate reinsurance agreements between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.60 Td (Northwind Re and each of the ceding insurers. ) Tj ET Q q 0 0 0 rg BT 240.37 666.60 Td (The ability of Northwind Re to pay dividends to Northwind Holdings will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.60 Td (depend on its satisfaction of applicable regulatory requirements and the performance of the reinsured policies. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.60 Td (Recourse for the payment of principal, interest and other amounts due on the Northwind notes is limited to the collateral for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.60 Td (Northwind notes and the other assets, if any) Tj ET Q q 0 0 0 rg BT 224.37 618.60 Td (, of Northwind Holdings. ) Tj ET Q q 0 0 0 rg BT 330.02 618.60 Td (The collateral consists of a first priority) Tj ET Q q 0 0 0 rg BT 487.65 618.60 Td (, perfected security ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 606.60 Td (interest in \(a\) the debt service coverage account \(DSCA\) that Northwind Holdings is required to maintain in accordance with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 594.60 Td (indenture pursuant to which the Northwind notes were issued \(the Northwind indenture\), \(b\) the capital stock of Northwind Re ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.60 Td (and the dividends and distributions on such capital stock, and \(c\) Northwind Holdings' rights under the transaction documents ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 570.60 Td (related to the Northwind notes to which Northwind Holdings is a party) Tj ET Q q 0 0 0 rg BT 331.86 570.60 Td (. ) Tj ET Q q 0 0 0 rg BT 338.81 570.60 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.31 570.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.89 570.60 Td (, the amount in the DSCA) Tj ET Q q 0 0 0 rg BT 533.22 570.60 Td ( was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 558.60 Td ($73.8 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.39 558.60 Td (. None of Unum Group, the ceding insurers, Northwind Re, or any other af) Tj ET Q q 0 0 0 rg BT 404.81 558.60 Td (filiate of Northwind Holdings is an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.60 Td (obligor or guarantor with respect to the Northwind notes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.60 Td (Northwind Holdings is required to repay a portion of the outstanding principal under the Northwind notes at par on the quarterly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.60 Td (scheduled payment dates under the Northwind notes in an amount equal to the lesser of \(i\) a tar) Tj ET Q q 0 0 0 rg BT 430.59 510.60 Td (geted amortization amount as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 498.60 Td (defined in the Northwind indenture and \(ii\) the amount of the remaining available funds in the DSCA) Tj ET Q q 0 0 0 rg BT 454.96 498.60 Td ( minus an amount equal to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 486.60 Td (the minimum balance that is required to be maintained in the DSCA) Tj ET Q q 0 0 0 rg BT 321.38 486.60 Td ( under the Northwind indenture, provided that Northwind ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 474.60 Td (Holdings has suf) Tj ET Q q 0 0 0 rg BT 116.54 474.60 Td (ficient funds available to pay its other expenses, including interest payments on the Northwind notes, and to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 462.60 Td (maintain the minimum balance in the DSCA) Tj ET Q q 0 0 0 rg BT 227.25 462.60 Td ( as required under the Northwind indenture. Northwind Holdings made principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 450.60 Td (payments on the Northwind notes of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.81 450.60 Td ($60.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.70 450.60 Td ( in both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.76 450.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.76 450.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.20 450.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.20 450.60 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.14 450.60 Td ($64.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.03 450.60 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.81 450.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.81 450.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 426.60 Td (In 2017, we purchased and retired the remaining) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.82 426.60 Td ($3.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.71 426.60 Td (of principal on our senior secured floating rate notes acquired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.60 Td (through our purchase of Starmount Life Insurance Company) Tj ET Q q 0 0 0 rg BT 290.73 414.60 Td (. In conjunction with this retirement, we also terminated the interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 402.60 Td (rate swap associated with the hedge of these notes and recorded a) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.84 402.60 Td ($0.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.73 402.60 Td (loss in our consolidated statements of income as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.60 Td (component of net realized investment gains and losses. See Note 4 for further discussion on the interest rate swap.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 366.60 Td (Unsecured Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 342.60 Td (In July 2018, our) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.33 342.60 Td ($200.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.22 342.60 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.72 342.60 Td (7.00%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.55 342.60 Td (senior unsecured notes matured.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 318.60 Td (In September 2016, our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.42 318.60 Td ($350.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.32 318.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.82 318.60 Td (7.125%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.65 318.60 Td ( senior unsecured notes matured. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 294.60 Td (In May 2016, we issued a total of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.86 294.60 Td ($600.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.75 294.60 Td ( aggregate principal amount of senior notes: \(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.25 294.60 Td ($350.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.14 294.60 Td ( aggregate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 282.60 Td (principal amount of senior notes due in 2021 with an annual coupon rate of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.76 282.60 Td (3.00%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.59 282.60 Td (, and \(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.24 282.60 Td ($250.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.13 282.60 Td ( aggregate principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 270.60 Td (amount of senior notes due in 2042 with an annual coupon rate of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.71 270.60 Td (5.75%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.54 270.60 Td (, pursuant to a reopening of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.73 270.60 Td ($250.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.62 270.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 258.60 Td (aggregate principal amount outstanding of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.22 258.60 Td (5.75%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.05 258.60 Td ( senior notes due 2042 issued in 2012. Both issuances are callable at or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 246.60 Td (above par and rank equally in the right of payment with all of our other unsecured and unsubordinated debt. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 222.60 Td (Fair V) Tj ET Q q 0 0 0 rg BT 75.90 222.60 Td (alue Hedges ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 198.60 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.94 198.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.53 198.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.97 198.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.97 198.60 Td (, we had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.06 198.60 Td ($250.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.96 198.60 Td ( notional amount of an interest rate swap which ef) Tj ET Q q 0 0 0 rg BT 486.99 198.60 Td (fectively converts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 186.60 Td (certain of our unsecured senior notes into floating rate debt. Under this agreement, we receive a fixed rate of interest and pay a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 174.60 Td (variable rate of interest, based of) Tj ET Q q 0 0 0 rg BT 180.37 174.60 Td (f of three-month LIBOR. See Note 4 for further information on the interest rate swap. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 150.60 Td (Junior Subordinated Debt Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 126.60 Td (In May 2018, we issued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.82 126.60 Td ($300.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.71 126.60 Td (of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.04 126.60 Td (6.25%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.87 126.60 Td (junior subordinated notes due 2058. ) Tj ET Q q 0 0 0 rg BT 396.78 126.60 Td (The notes are redeemable at or above par ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 114.60 Td (on or after June 15, 2023 and rank equally in the right of payment with our other junior subordinated debt securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 90.60 Td (In 1998, Provident Financing ) Tj ET Q q 0 0 0 rg BT 169.03 90.60 Td (T) Tj ET Q q 0 0 0 rg BT 174.79 90.60 Td (rust I \(the trust\), a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.21 90.60 Td (100 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.14 90.60 Td (-owned finance subsidiary of Unum Group, issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.54 90.60 Td ($300.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.43 90.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 78.60 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.33 78.60 Td (7.405%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.16 78.60 Td ( capital securities in a public of) Tj ET Q q 0 0 0 rg BT 215.94 78.60 Td (fering. ) Tj ET Q q 0 0 0 rg BT 247.13 78.60 Td (These capital securities are fully and unconditionally guaranteed by Unum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 66.60 Td (Group, have a liquidation value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.18 66.60 Td ($1,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.68 66.60 Td ( per capital security) Tj ET Q q 0 0 0 rg BT 294.61 66.60 Td (, and have a mandatory redemption feature under certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 54.60 Td (circumstances. Unum Group issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.69 54.60 Td (7.405%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.52 54.60 Td ( junior subordinated deferrable interest debentures to the trust in connection with the ) Tj ET Q endstream endobj 333 0 obj <> endobj 334 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 8 - Debt - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (162) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (capital securities of) Tj ET Q q 0 0 0 rg BT 127.06 690.60 Td (fering. ) Tj ET Q q 0 0 0 rg BT 158.26 690.60 Td (The debentures mature in 2038. ) Tj ET Q q 0 0 0 rg BT 289.98 690.60 Td (The sole assets of the trust are the junior subordinated debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (securities. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 654.60 Td (Interest Paid ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.60 Td (Interest paid on long-term and short-term debt and related securities during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.46 630.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.46 630.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.46 630.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.46 630.60 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.40 630.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.40 630.60 Td ( was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.95 630.60 Td ($167.3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.84 630.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.84 630.60 Td ($154.4 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.60 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 618.60 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.33 618.60 Td ($153.6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.22 618.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 211.88 618.60 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 594.60 Td (Credit Facility) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 570.60 Td (In March 2016, we amended the terms of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.78 570.60 Td (five) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.32 570.60 Td (-year) Tj ET Q q 0 0 0 rg BT 268.46 570.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.46 570.60 Td ($400.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.35 570.60 Td ( unsecured revolving credit facility) Tj ET Q q 0 0 0 rg BT 471.65 570.60 Td (, which was previously ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 558.60 Td (set to expire in2018, to extend through March 2021. Under the terms of the agreement, we may request that the credit facility ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.60 Td (be increased up to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.47 546.60 Td ($600.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.36 546.60 Td (. Borrowings under the credit facility are for general corporate uses and are subject to financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.60 Td (covenants, negative covenants, and events of default that are customary) Tj ET Q q 0 0 0 rg BT 335.13 534.60 Td (. ) Tj ET Q q 0 0 0 rg BT 342.45 534.60 Td (The credit facility provides for borrowing at an interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.60 Td (rate based either on the prime rate or LIBOR. In addition, the credit facility provides for the issuance of letters of credit subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.60 Td (to certain terms and limitations. ) Tj ET Q q 0 0 0 rg BT 180.86 510.60 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.36 510.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.95 510.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.38 510.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.38 510.60 Td (, letters of credit totaling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.46 510.60 Td ($2.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.36 510.60 Td ( had been issued from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 498.60 Td (credit facility) Tj ET Q q 0 0 0 rg BT 102.43 498.60 Td (, but there were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.13 498.60 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.13 498.60 Td ( borrowed amounts outstanding. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 474.60 Td (Note 9 - Employee Benefit Plans) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 450.60 Td (Defined Benefit Pension and Other Postretirement Benefit \(OPEB\) Plans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 426.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 426.60 Td (e sponsor several defined benefit pension and OPEB plans for our employees, including non-qualified pension plans. ) Tj ET Q q 0 0 0 rg BT 530.91 426.60 Td (The U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.60 Td (qualified and non-qualified defined benefit pension plans comprise the majority of our total benefit obligation and benefit cost. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 402.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 402.60 Td (e maintain a separate defined benefit plan for eligible employees in our U.K. operation. ) Tj ET Q q 0 0 0 rg BT 412.27 402.60 Td (The U.S. defined benefit pension ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.60 Td (plans were closed to new entrants on December 31, 2013, the OPEB plan was closed to new entrants on December 31, 2012, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 378.60 Td (the U.K. plan was closed to new entrants on December 31, 2002.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 354.60 Td (Amendments to Pension Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 330.60 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.33 330.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.33 330.60 Td (, we amended our U.S. qualified defined benefit pension plan by modifying the qualified pre-retirement survivor annuity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 318.60 Td (form of payment for married participants from a 67 percent joint and survivor annuity to a 100 percent joint and survivor benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 306.60 Td (to the participant's spousal beneficiary in the event a participant pre-deceased prior to reaching pension eligibility and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 294.60 Td (af) Tj ET Q q 0 0 0 rg BT 57.09 294.60 Td (firmatively electing a form of benefit. ) Tj ET Q q 0 0 0 rg BT 212.96 294.60 Td (This amendment became ef) Tj ET Q q 0 0 0 rg BT 323.01 294.60 Td (fective January 1, 2018. ) Tj ET Q q 0 0 0 rg BT 423.25 294.60 Td (As a result of this amendment, we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 282.60 Td (recognized an increase in the net pension liability of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.81 282.60 Td ($7.6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.71 282.60 Td (, with a corresponding prior service cost included in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 270.60 Td (accumulated other comprehensive income.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 246.60 Td (Amendment to OPEB Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 222.60 Td (Ef) Tj ET Q q 0 0 0 rg BT 58.76 222.60 Td (fective ) Tj ET Q q 0 0 0 rg BT 87.91 222.60 Td (August 1, 2016, we amended the retiree medical benefits portion of our OPEB plan to transition a majority of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 210.60 Td (participants to a private exchange for their health insurance coverage. Prior to the plan amendment, participants paid a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 198.60 Td (subsidized premium for their health insurance coverage, but if they elect to continue participation in the plan they will now ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 186.60 Td (purchase coverage on a private exchange and will subsequently be reimbursed through a Health Reimbursement ) Tj ET Q q 0 0 0 rg BT 500.18 186.60 Td (Account \(HRA\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 174.60 Td (for an amount equivalent to the subsidy that was previously provided. Participants who continued in the plan received a one-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 162.60 Td (time subsidy to minimize the initial out-of-pocket cost of purchasing health insurance. ) Tj ET Q q 0 0 0 rg BT 399.24 162.60 Td (The amendment did not materially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 150.60 Td (change the benefit obligation of the plan.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 126.60 Td (Amortization Period of ) Tj ET Q q 0 0 0 rg BT 146.08 126.60 Td (Actuarial Gain or Loss and Prior Service Cost or Credit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 102.60 Td (Because all participants in the U.S. and U.K. pension plans are considered inactive, we amortize the net actuarial loss and prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 90.60 Td (service credit for these plans over the average remaining life expectancy of the plans. ) Tj ET Q q 0 0 0 rg BT 394.91 90.60 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.35 90.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.93 90.60 Td (, the estimate of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 78.60 Td (the average remaining life expectancy of the plans was approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.60 78.60 Td (24 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.20 78.60 Td ( for the U.S. plan and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.52 78.60 Td (31 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.12 78.60 Td ( for U.K. plan. ) Tj ET Q endstream endobj 335 0 obj <> endobj 336 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 9 - Employee Benefit Plans - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (163) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (The following table provides the changes in the benefit obligation and fair value of plan assets and the funded status of the plans. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 628.10 221.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 628.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.00 628.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.00 628.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.00 628.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.00 628.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.00 628.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.00 628.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.00 628.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.00 628.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 628.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 628.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 602.10 221.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 602.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.00 602.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.00 602.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.00 602.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.00 602.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.00 602.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.00 602.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.00 602.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.00 602.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 602.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 602.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 576.10 221.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 576.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.00 576.10 4.00 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gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.00 550.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.00 550.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.00 550.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.00 550.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.00 550.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.00 550.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 550.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 550.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 524.10 221.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 524.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.00 524.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.00 524.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.00 524.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.00 524.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.00 524.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.00 524.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.00 524.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.00 524.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 524.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 524.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 498.10 221.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 498.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.00 498.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.00 498.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.00 498.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.00 498.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.00 498.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.00 498.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.00 498.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.00 498.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 498.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 498.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 472.10 221.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 472.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.00 472.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.00 472.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.00 472.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.00 472.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.00 472.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.00 472.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.00 472.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.00 472.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 472.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 472.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 446.10 221.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 446.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.00 446.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.00 446.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.00 446.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.00 446.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.00 446.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.00 446.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.00 446.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.00 446.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 446.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 446.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 420.10 221.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 420.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.00 420.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.00 420.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.00 420.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.00 420.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.00 420.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.00 420.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.00 420.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.00 420.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 420.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 420.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 394.10 221.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 394.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.00 394.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.00 394.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.00 394.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.00 394.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.00 394.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.00 394.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.00 394.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.00 394.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 394.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 394.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 368.10 221.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.00 368.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.00 368.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.00 368.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.00 368.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.00 368.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.00 368.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.00 368.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.00 368.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.00 368.10 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 368.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 368.10 46.00 -13.00 re f /GS0 gs 0.8 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[] 0 d 0 J 0 j 3 M 271 511.1 m 317 511.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321 511.1 m 367 511.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371 511.1 m 417 511.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421 511.1 m 467 511.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471 511.1 m 517 511.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521 511.1 m 567 511.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 511.1 m 317 511.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321 511.1 m 367 511.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371 511.1 m 417 511.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421 511.1 m 467 511.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471 511.1 m 517 511.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521 511.1 m 567 511.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 473.1 m 317 473.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 471.1 m 317 471.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321 473.1 m 367 473.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321 471.1 m 367 471.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371 473.1 m 417 473.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371 471.1 m 417 471.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421 473.1 m 467 473.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421 471.1 m 467 471.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 368.1 m 317 368.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 355.1 m 317 355.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321 368.1 m 367 368.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321 355.1 m 367 355.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371 368.1 m 417 368.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371 355.1 m 417 355.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421 368.1 m 467 368.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421 355.1 m 467 355.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471 368.1 m 517 368.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471 355.1 m 517 355.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521 368.1 m 567 368.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521 355.1 m 567 355.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 330.1 m 317 330.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271 328.1 m 317 328.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321 330.1 m 367 330.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321 328.1 m 367 328.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371 330.1 m 417 330.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371 328.1 m 417 328.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421 330.1 m 467 330.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421 328.1 m 467 328.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471 330.1 m 517 330.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471 328.1 m 517 328.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521 330.1 m 567 330.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521 328.1 m 567 328.1 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 671.35 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.75 670.67 Td (Pension Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.50 670.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.50 670.67 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 658.35 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.50 657.67 Td (U.S. Plans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.60 657.67 Td (U.K. Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.70 657.67 Td (OPEB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 645.35 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.50 644.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.50 644.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.50 644.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.50 644.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.50 644.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.50 644.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.35 631.67 Td (\(in millions of dollars\)) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 618.83 Td (Change in Benefit Obligation) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 605.83 Td (Benefit Obligation at Beginning of ) Tj ET Q q 0 0 0 rg BT 200.94 605.83 Td (Y) Tj ET Q q 0 0 0 rg BT 207.42 605.83 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.50 605.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.10 605.67 Td (2,136.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.50 605.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.10 605.67 Td (1,955.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.50 605.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.65 605.67 Td (243.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.50 605.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 605.67 Td (223.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.50 605.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 605.67 Td (139.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.50 605.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 605.67 Td (147.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 592.67 Td (Service Cost) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.65 592.67 Td (9.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.65 592.67 Td (7.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.15 592.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.15 592.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 592.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 592.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 579.67 Td (Interest Cost) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.65 579.67 Td (79.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.65 579.67 Td (84.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.65 579.67 Td (5.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.65 579.67 Td (6.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.65 579.67 Td (4.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 579.67 Td (5.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 566.67 Td (Plan Participant Contributions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.15 566.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.15 566.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.15 566.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.15 566.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.65 566.67 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 566.67 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 553.67 Td (Actuarial \(Gain\) Loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.30 553.72 Td (\(210.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.15 553.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.65 553.67 Td (159.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.30 553.72 Td (\(18.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 553.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.65 553.67 Td (1.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.30 553.72 Td (\(7.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 553.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.30 553.67 Td (\(4.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 553.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 540.67 Td (Benefits and Expenses Paid) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.30 540.72 Td (\(82.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.15 540.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.30 540.72 Td (\(77.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.15 540.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.30 540.72 Td (\(7.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 540.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.30 540.72 Td (\(8.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 540.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.30 540.72 Td (\(1) Tj ET Q q 0 0 0 rg BT 500.63 540.72 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 540.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 540.67 Td (\(10.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 540.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 527.67 Td (Plan ) Tj ET Q q 0 0 0 rg BT 72.23 527.67 Td (Amendment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.15 527.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.65 527.67 Td (7.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.65 527.67 Td (0.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.15 527.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 527.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 527.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 514.67 Td (Change in Foreign Exchange Rates) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.15 514.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.15 514.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.30 514.72 Td (\(12.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 514.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 514.67 Td (21.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 514.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 514.67 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 501.83 Td (Benefit Obligation at End of ) Tj ET Q q 0 0 0 rg BT 175.38 501.83 Td (Y) Tj ET Q q 0 0 0 rg BT 181.86 501.83 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.50 501.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.10 501.67 Td (1,933.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.50 501.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.10 501.67 Td (2,136.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.50 501.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.65 501.67 Td (21) Tj ET Q q 0 0 0 rg BT 400.65 501.67 Td (1.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.50 501.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 501.67 Td (243.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.50 501.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 501.67 Td (125.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.50 501.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 501.67 Td (139.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 475.83 Td (Accumulated Benefit Obligation at December) Tj ET Q q 0 0 0 rg BT 246.82 475.83 Td ( 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.50 475.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.10 475.67 Td (1,933.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.50 475.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.10 475.67 Td (2,136.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.50 475.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.65 475.67 Td (205.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.50 475.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 475.67 Td (234.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.15 475.67 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 475.67 Td (N/A) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.50 449.83 Td (Change in Fair V) Tj ET Q q 0 0 0 rg BT 124.47 449.83 Td (alue of Plan ) Tj ET Q q 0 0 0 rg BT 177.16 449.83 Td (Assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 436.83 Td (Fair) Tj ET Q q 0 0 0 rg BT 70.73 436.83 Td ( ) Tj ET Q q 0 0 0 rg BT 73.05 436.83 Td (V) Tj ET Q q 0 0 0 rg BT 79.73 436.83 Td (alue of Plan ) Tj ET Q q 0 0 0 rg BT 132.05 436.83 Td (Assets at Beginning of ) Tj ET Q q 0 0 0 rg BT 228.26 436.83 Td (Y) Tj ET Q q 0 0 0 rg BT 234.74 436.83 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.50 436.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.10 436.67 Td (1,582.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.50 436.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.10 436.67 Td (1,454.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.50 436.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.65 436.67 Td (253.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.50 436.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 436.67 Td (228.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.50 436.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.65 436.67 Td (10.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.50 436.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 436.67 Td (10.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 423.67 Td (Actual Return on Plan ) Tj ET Q q 0 0 0 rg BT 143.87 423.67 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.30 423.72 Td (\(53.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.15 423.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.65 423.67 Td (198.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.30 423.72 Td (\(16.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 423.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 423.67 Td (1) Tj ET Q q 0 0 0 rg BT 450.65 423.67 Td (1.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.65 423.67 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 423.67 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 410.67 Td (Employer Contributions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.65 410.67 Td (8.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.65 410.67 Td (7.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.15 410.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.15 410.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.65 410.67 Td (10.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 410.67 Td (9.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 397.67 Td (Plan Participant Contributions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.15 397.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.15 397.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.15 397.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.15 397.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.65 397.67 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.65 397.67 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 384.67 Td (Benefits and Expenses Paid) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.30 384.72 Td (\(82.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.15 384.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.30 384.72 Td (\(77.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.15 384.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.30 384.72 Td (\(7.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 384.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.30 384.72 Td (\(8.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 384.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.30 384.72 Td (\(1) Tj ET Q q 0 0 0 rg BT 500.63 384.72 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.15 384.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 384.67 Td (\(10.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.15 384.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 371.67 Td (Change in Foreign Exchange Rates) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.15 371.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.15 371.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.30 371.72 Td (\(13.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 371.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.65 371.67 Td (21.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.15 371.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 371.67 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 358.83 Td (Fair) Tj ET Q q 0 0 0 rg BT 70.73 358.83 Td ( ) Tj ET Q q 0 0 0 rg BT 73.05 358.83 Td (V) Tj ET Q q 0 0 0 rg BT 79.73 358.83 Td (alue of Plan ) Tj ET Q q 0 0 0 rg BT 132.05 358.83 Td (Assets at End of ) Tj ET Q q 0 0 0 rg BT 202.71 358.83 Td (Y) Tj ET Q q 0 0 0 rg BT 209.19 358.83 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.50 358.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.10 358.67 Td (1,454.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.50 358.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.10 358.67 Td (1,582.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.50 358.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.65 358.67 Td (217.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.50 358.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 358.67 Td (253.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.50 358.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.65 358.67 Td (10.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.50 358.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.65 358.67 Td (10.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 332.83 Td (Underfunded \(Overfunded\) Status) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.50 332.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.65 332.67 Td (478.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.50 332.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.65 332.67 Td (554.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.50 332.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.30 332.72 Td (\(6.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 332.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.50 332.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.30 332.72 Td (\(9.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 332.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.50 332.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 332.67 Td (1) Tj ET Q q 0 0 0 rg BT 495.65 332.67 Td (15.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.50 332.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 332.67 Td (129.0) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 337 0 obj <> endobj 338 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 9 - Employee Benefit Plans - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (164) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (The amounts recognized in our consolidated balance sheets for our pension and OPEB plans at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.34 690.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.92 690.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.36 690.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.36 690.60 Td ( are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (as follows. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 616.10 242.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.75 616.10 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.75 616.10 4.00 -13.00 re f /GS0 gs 0.8 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1 rg /GS0 gs 383.75 564.10 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.75 564.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.75 564.10 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.75 564.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.75 564.10 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 519.75 564.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.75 564.10 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 538.10 242.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.75 538.10 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.75 538.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.75 538.10 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.75 538.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.75 538.10 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 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616.1 m 430.75 616.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 616.1 m 473.75 616.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.75 616.1 m 477.75 616.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.75 616.1 m 519.75 616.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.75 616.1 m 523.75 616.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.75 616.1 m 566.75 616.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.75 577.1 m 333.75 577.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.75 577.1 m 379.75 577.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.75 577.1 m 426.75 577.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 577.1 m 473.75 577.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.75 577.1 m 519.75 577.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.75 577.1 m 566.75 577.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.75 577.1 m 333.75 577.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.75 565.1 m 333.75 565.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.75 563.1 m 333.75 563.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.75 577.1 m 379.75 577.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.75 565.1 m 379.75 565.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.75 563.1 m 379.75 563.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.75 577.1 m 426.75 577.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.75 565.1 m 426.75 565.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.75 563.1 m 426.75 563.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 577.1 m 473.75 577.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 565.1 m 473.75 565.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 563.1 m 473.75 563.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.75 577.1 m 519.75 577.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.75 565.1 m 519.75 565.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.75 563.1 m 519.75 563.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.75 577.1 m 566.75 577.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.75 565.1 m 566.75 565.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.75 563.1 m 566.75 563.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.75 512.1 m 333.75 512.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.75 512.1 m 379.75 512.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.75 512.1 m 426.75 512.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 512.1 m 473.75 512.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.75 512.1 m 519.75 512.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.75 512.1 m 566.75 512.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.75 486.1 m 333.75 486.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.75 486.1 m 379.75 486.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.75 486.1 m 426.75 486.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 486.1 m 473.75 486.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.75 486.1 m 519.75 486.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.75 486.1 m 566.75 486.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.75 462.1 m 333.75 462.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.75 460.1 m 333.75 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.75 462.1 m 379.75 462.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.75 460.1 m 379.75 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.75 462.1 m 426.75 462.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.75 460.1 m 426.75 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 462.1 m 473.75 462.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.75 460.1 m 473.75 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.75 462.1 m 519.75 462.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.75 460.1 m 519.75 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.75 462.1 m 566.75 462.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.75 460.1 m 566.75 460.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 658.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.00 658.67 Td (Pension Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.25 658.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.25 658.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 645.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.75 645.67 Td (U.S. Plans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.35 645.67 Td (U.K. Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.95 645.67 Td (OPEB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 632.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.75 632.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.25 632.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.75 632.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.75 632.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.25 632.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.75 632.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.10 619.67 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 606.67 Td (Current Liability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.25 606.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.40 606.67 Td (7.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.25 606.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.40 606.67 Td (7.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.25 606.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.90 606.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.25 606.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.90 606.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.25 606.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.40 606.67 Td (1.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.25 606.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 606.67 Td (1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 593.67 Td (Noncurrent Liability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.35 593.67 Td (471.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.35 593.67 Td (547.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.90 593.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.90 593.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.35 593.67 Td (1) Tj ET Q q 0 0 0 rg BT 498.35 593.67 Td (14.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.35 593.67 Td (127.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 580.67 Td (Noncurrent ) Tj ET Q q 0 0 0 rg BT 99.01 580.67 Td (Asset) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.90 580.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.90 580.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.05 580.72 Td (\(6.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.90 580.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.05 580.72 Td (\(9.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.90 580.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.90 580.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.90 580.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 567.67 Td (Underfunded \(Overfunded\) Status) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.25 567.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.35 567.67 Td (478.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.25 567.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.35 567.67 Td (554.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.25 567.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.05 567.72 Td (\(6.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.90 567.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.25 567.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.05 567.72 Td (\(9.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.90 567.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.25 567.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.35 567.67 Td (1) Tj ET Q q 0 0 0 rg BT 498.35 567.67 Td (15.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.25 567.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.35 567.67 Td (129.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 541.67 Td (Unrecognized Pension and Postretirement Benefit Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 528.67 Td ( Net ) Tj ET Q q 0 0 0 rg BT 75.41 528.67 Td (Actuarial Gain \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.25 528.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.05 528.72 Td (\(672.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.90 528.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.25 528.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.05 528.72 Td (\(746.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.90 528.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.25 528.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.05 528.72 Td (\(48.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.90 528.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.25 528.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.05 528.72 Td (\(46.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.90 528.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.25 528.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.40 528.67 Td (20.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.25 528.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 528.67 Td (13.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 515.67 Td ( Prior Service Credit \(Cost\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.05 515.72 Td (\(0.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.90 515.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.05 515.72 Td (\(0.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.90 515.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.05 515.72 Td (\(0.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.90 515.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.90 515.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.40 515.67 Td (3.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 515.67 Td (3.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.05 502.72 Td (\(673.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.90 502.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.05 502.72 Td (\(747.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.90 502.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.05 502.72 Td (\(49.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.90 502.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.05 502.72 Td (\(46.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.90 502.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.40 502.67 Td (24.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 502.67 Td (17.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 489.67 Td ( Income ) Tj ET Q q 0 0 0 rg BT 91.05 489.67 Td (T) Tj ET Q q 0 0 0 rg BT 96.46 489.67 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.35 489.67 Td (236.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.35 489.67 Td (251.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.40 489.67 Td (1) Tj ET Q q 0 0 0 rg BT 410.40 489.67 Td (1.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.40 489.67 Td (1) Tj ET Q q 0 0 0 rg BT 457.40 489.67 Td (1.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.40 489.67 Td (3.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 489.67 Td (4.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 475.77 Td (T) Tj ET Q q 0 0 0 rg BT 56.66 475.77 Td (otal Included in ) Tj ET Q q 0 0 0 rg BT 121.37 475.77 Td (Accumulated Other Comprehensive) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 465.77 Td (Income \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.25 465.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.05 465.82 Td (\(437.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.90 465.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.25 465.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.05 465.82 Td (\(495.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.90 465.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.25 465.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.05 465.82 Td (\(37.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.90 465.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.25 465.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.05 465.82 Td (\(34.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.90 465.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.25 465.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.40 465.77 Td (27.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.25 465.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 465.77 Td (21.9) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 437.60 Td (The following table provides the changes recognized in other comprehensive income for the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.74 437.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.32 437.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 425.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 425.60 Td (. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 363.10 211.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.75 363.10 50.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.75 363.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.75 363.10 50.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.75 363.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.75 363.10 47.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.75 363.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 363.10 50.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.75 363.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.75 363.10 45.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.75 363.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.75 363.10 45.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 326.10 211.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.75 326.10 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.75 326.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.75 326.10 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.75 326.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.75 326.10 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.75 326.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 326.10 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.75 326.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.75 326.10 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.75 326.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.75 326.10 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 300.10 211.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.75 300.10 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.75 300.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.75 300.10 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.75 300.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.75 300.10 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.75 300.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 300.10 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.75 300.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.75 300.10 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.75 300.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.75 300.10 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 274.10 211.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.75 274.10 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.75 274.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.75 274.10 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.75 274.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.75 274.10 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.75 274.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 274.10 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.75 274.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.75 274.10 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.75 274.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.75 274.10 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 248.10 211.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.75 248.10 50.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.75 248.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.75 248.10 50.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.75 248.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.75 248.10 47.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.75 248.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 248.10 50.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.75 248.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.75 248.10 45.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.75 248.10 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.75 248.10 45.00 -24.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.75 402.1 m 309.75 402.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.75 402.1 m 313.75 402.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.75 402.1 m 363.75 402.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.75 402.1 m 367.75 402.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.75 402.1 m 414.75 402.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.75 402.1 m 418.75 402.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 402.1 m 468.75 402.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.75 389.1 m 309.75 389.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.75 389.1 m 313.75 389.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.75 389.1 m 363.75 389.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.75 389.1 m 414.75 389.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.75 389.1 m 418.75 389.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 389.1 m 468.75 389.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.75 389.1 m 517.75 389.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.75 389.1 m 521.75 389.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.75 389.1 m 566.75 389.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.75 389.1 m 309.75 389.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.75 376.1 m 309.75 376.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.75 389.1 m 313.75 389.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.75 389.1 m 363.75 389.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.75 376.1 m 363.75 376.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.75 389.1 m 414.75 389.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.75 376.1 m 414.75 376.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.75 389.1 m 418.75 389.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 389.1 m 468.75 389.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 376.1 m 468.75 376.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.75 389.1 m 517.75 389.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.75 376.1 m 517.75 376.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.75 389.1 m 521.75 389.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.75 389.1 m 566.75 389.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.75 376.1 m 566.75 376.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.75 363.1 m 309.75 363.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.75 363.1 m 313.75 363.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.75 363.1 m 363.75 363.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.75 363.1 m 367.75 363.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.75 363.1 m 414.75 363.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.75 363.1 m 418.75 363.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 363.1 m 468.75 363.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.75 363.1 m 472.75 363.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.75 363.1 m 517.75 363.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.75 363.1 m 521.75 363.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.75 363.1 m 566.75 363.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.75 363.1 m 309.75 363.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.75 363.1 m 313.75 363.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.75 363.1 m 363.75 363.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.75 363.1 m 367.75 363.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.75 363.1 m 414.75 363.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.75 363.1 m 418.75 363.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 363.1 m 468.75 363.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.75 363.1 m 472.75 363.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.75 363.1 m 517.75 363.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.75 363.1 m 521.75 363.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.75 363.1 m 566.75 363.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.75 248.10000000000002 m 309.75 248.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.75 248.10000000000002 m 363.75 248.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.75 248.10000000000002 m 414.75 248.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 248.10000000000002 m 468.75 248.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.75 248.10000000000002 m 517.75 248.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.75 248.10000000000002 m 566.75 248.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.75 248.10000000000002 m 309.75 248.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.75 225.10000000000002 m 309.75 225.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.75 223.10000000000002 m 309.75 223.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.75 248.10000000000002 m 363.75 248.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.75 225.10000000000002 m 363.75 225.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.75 223.10000000000002 m 363.75 223.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.75 248.10000000000002 m 414.75 248.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.75 225.10000000000002 m 414.75 225.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.75 223.10000000000002 m 414.75 223.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 248.10000000000002 m 468.75 248.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 225.10000000000002 m 468.75 225.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 223.10000000000002 m 468.75 223.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.75 248.10000000000002 m 517.75 248.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.75 225.10000000000002 m 517.75 225.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.75 223.10000000000002 m 517.75 223.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.75 248.10000000000002 m 566.75 248.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.75 225.10000000000002 m 566.75 225.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.75 223.10000000000002 m 566.75 223.10000000000002 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.75 405.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.00 405.67 Td (Pension Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.75 405.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.75 405.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.75 392.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.25 392.67 Td (U.S. Plans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.85 392.67 Td (U.K. Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.45 392.67 Td (OPEB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.75 379.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.25 379.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.25 379.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.75 379.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.25 379.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.75 379.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.75 379.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.60 366.67 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 353.78 Td (Accumulated Other) Tj ET Q q 0 0 0 rg BT 135.87 353.78 Td ( Compr) Tj ET Q q 0 0 0 rg BT 168.74 353.78 Td (ehensive Income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 343.78 Td (\(Loss\) at Beginning of ) Tj ET Q q 0 0 0 rg BT 147.19 343.78 Td (Y) Tj ET Q q 0 0 0 rg BT 153.67 343.78 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.25 343.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.05 343.82 Td (\(495.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.90 343.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.25 343.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.05 343.82 Td (\(451.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.90 343.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.25 343.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.05 343.82 Td (\(34.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.90 343.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.25 343.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.05 343.82 Td (\(33.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.90 343.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.25 343.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.40 343.77 Td (21.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.25 343.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 343.77 Td (19.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 329.67 Td (Net ) Tj ET Q q 0 0 0 rg BT 67.91 329.67 Td (Actuarial Gain \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 316.67 Td (Amortization) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.40 316.67 Td (21.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.40 316.67 Td (19.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.40 316.67 Td (0.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.40 316.67 Td (0.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.90 316.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.90 316.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 303.67 Td (All Other Changes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.40 303.67 Td (52.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.05 303.72 Td (\(63.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.90 303.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.05 303.72 Td (\(3.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.90 303.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.05 303.72 Td (\(3.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.90 303.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.40 303.67 Td (7.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 303.67 Td (3.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 290.67 Td (Prior Service Credit \(Cost\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 277.67 Td (Amortization) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.90 277.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.05 277.72 Td (\(0.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.90 277.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.90 277.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.90 277.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.05 277.72 Td (\(0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.90 277.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.05 277.67 Td (\(0.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 277.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 264.67 Td (Plan ) Tj ET Q q 0 0 0 rg BT 76.98 264.67 Td (Amendment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.90 264.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.05 264.72 Td (\(7.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.90 264.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.05 264.72 Td (\(0.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.90 264.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.90 264.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.90 264.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.90 264.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 251.67 Td (Change in Income ) Tj ET Q q 0 0 0 rg BT 126.88 251.67 Td (T) Tj ET Q q 0 0 0 rg BT 132.29 251.67 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.05 251.72 Td (\(15.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.90 251.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.40 251.67 Td (8.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.40 251.67 Td (0.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.40 251.67 Td (0.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.05 251.72 Td (\(1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.90 251.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.05 251.67 Td (\(0.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 251.67 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 238.78 Td (Accumulated Other) Tj ET Q q 0 0 0 rg BT 135.78 238.78 Td ( Compr) Tj ET Q q 0 0 0 rg BT 168.65 238.78 Td (ehensive Income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 228.78 Td (\(Loss\) at End of ) Tj ET Q q 0 0 0 rg BT 121.45 228.78 Td (Y) Tj ET Q q 0 0 0 rg BT 127.56 228.78 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.25 228.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.05 228.82 Td (\(437.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.90 228.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.25 228.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.05 228.82 Td (\(495.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.90 228.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.25 228.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.05 228.82 Td (\(37.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.90 228.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.25 228.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.05 228.82 Td (\(34.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.90 228.77 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.25 228.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.40 228.77 Td (27.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.25 228.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 228.77 Td (21.9) Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 200.60 Td (Plan ) Tj ET Q q 0 0 0 rg BT 71.08 200.60 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 176.60 Td (The objective of our U.S. pension and OPEB plans is to maximize long-term return, within acceptable risk levels, in a manner ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 164.60 Td (that is consistent with the fiduciary standards of the Employee Retirement Income Security ) Tj ET Q q 0 0 0 rg BT 415.79 164.60 Td (Act \(ERISA\), while maintaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 152.60 Td (suf) Tj ET Q q 0 0 0 rg BT 61.54 152.60 Td (ficient liquidity to pay current benefits and expenses. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 140.60 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 128.60 Td (Our U.S. qualified defined benefit pension plan assets include a diversified blend of domestic, international, global, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 116.60 Td (emer) Tj ET Q q 0 0 0 rg BT 69.30 116.60 Td (ging market equity securities, fixed income securities, opportunistic credit securities, real estate investments, alternative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 104.60 Td (investments, and cash equivalents.Equity securities are comprised of funds and individual securities that are benchmarked ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 92.60 Td (against the respective indices specified below) Tj ET Q q 0 0 0 rg BT 231.28 92.60 Td (. International and global equity funds may allocate a certain percentage of assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 80.60 Td (to forward currency contracts. Fixed income securities include U.S. government and agency asset-backed securities, corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 68.60 Td (investment-grade bonds, private placement securities, and bonds issued by states or other municipalities. Opportunistic credits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 56.60 Td (consist of investments in funds that hold varied fixed income investments purchased at depressed values with the intention to ) Tj ET Q endstream endobj 339 0 obj <> endobj 340 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 9 - Employee Benefit Plans - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (165) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (later sell those investments for a gain. Real estate investments consist primarily of funds that hold commercial real estate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (investments. ) Tj ET Q q 0 0 0 rg BT 104.22 678.60 Td (Alternative investments, which include private equity direct investments, private equity funds of funds, and hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.60 Td (funds of funds, utilize proprietary strategies that are intended to have a low correlation to the U.S. stock market. Prohibited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.60 Td (investments include, but are not limited to, unlisted securities, futures contracts, options, short sales, and investments in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.60 Td (securities issued by Unum Group or its af) Tj ET Q q 0 0 0 rg BT 215.68 642.60 Td (filiates. ) Tj ET Q q 0 0 0 rg BT 250.21 642.60 Td (The invested asset classes, asset types, and benchmark indices for our U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.60 Td (qualified defined benefit pension plan is as follows. ) Tj ET Q q 0 0 0 rg BT 260.94 630.60 Td (W) Tj ET Q q 0 0 0 rg BT 269.57 630.60 Td (e tar) Tj ET Q q 0 0 0 rg BT 286.88 630.60 Td (get approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.85 630.60 Td (36 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.78 630.60 Td ( to equity securities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.81 630.60 Td (40 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.74 630.60 Td ( to fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.60 Td (income securities, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.14 618.60 Td (24 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.06 618.60 Td ( to opportunistic credits, alternative, and real estate investments.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 583.10 107.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.00 583.10 4.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 161.00 583.10 87.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.00 583.10 4.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.00 583.10 316.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 523.10 107.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.00 523.10 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 161.00 523.10 87.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.00 523.10 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.00 523.10 316.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 473.10 107.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.00 473.10 4.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 161.00 473.10 87.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.00 473.10 4.00 -35.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.00 473.10 316.00 -35.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 583.1 m 157 583.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161 583.1 m 248 583.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252 583.1 m 568 583.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.80 587.77 Td (Asset Class) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.80 587.77 Td (Asset ) Tj ET Q q 0 0 0 rg BT 209.34 587.77 Td (T) Tj ET Q q 0 0 0 rg BT 214.75 587.77 Td (ype) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.75 587.77 Td (Benchmark Indices) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 552.77 Td (Equity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.50 562.77 Td (Collective funds;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.50 552.77 Td (Individual holdings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.50 572.77 Td (Standard & Poor's 500; Russell 2000 ) Tj ET Q q 0 0 0 rg BT 404.55 572.77 Td (V) Tj ET Q q 0 0 0 rg BT 411.12 572.77 Td (alue and Growth; MSCI Europe) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.50 562.77 Td (Australasia Far East Small Cap; MSCI Emer) Tj ET Q q 0 0 0 rg BT 433.27 562.77 Td (ging Markets; MSCI ) Tj ET Q q 0 0 0 rg BT 518.37 562.77 Td (W) Tj ET Q q 0 0 0 rg BT 527.32 562.77 Td (orld and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.50 552.77 Td (W) Tj ET Q q 0 0 0 rg BT 263.54 552.77 Td (orld Minimum ) Tj ET Q q 0 0 0 rg BT 324.16 552.77 Td (V) Tj ET Q q 0 0 0 rg BT 330.65 552.77 Td (olatility; FTSE RAFI ) Tj ET Q q 0 0 0 rg BT 417.24 552.77 Td (All-W) Tj ET Q q 0 0 0 rg BT 442.11 552.77 Td (orld Low ) Tj ET Q q 0 0 0 rg BT 481.06 552.77 Td (V) Tj ET Q q 0 0 0 rg BT 487.54 552.77 Td (olatility) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 527.77 Td (Fixed Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.50 527.77 Td (Individual holdings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.50 527.77 Td (Bloomber) Tj ET Q q 0 0 0 rg BT 294.40 527.77 Td (g Barclays Long Government/Corporate Index) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 502.77 Td (Opportunistic Credits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.50 502.77 Td (Collective fund) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.50 502.77 Td (Custom Index) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 477.77 Td (Real Estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.50 477.77 Td (Collective fund) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.50 487.77 Td (National Council of Real Estate Investment Fund Open-end Diversified Core) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.50 477.77 Td (Equity Index) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 462.77 Td (Alternative Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 452.77 Td (\(Hedge and Private) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 442.77 Td (Equity\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.50 452.77 Td (Fund of funds;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.50 442.77 Td (Direct investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.50 442.77 Td (Hedge Fund Research Institute Fund of Funds; Russell 2000) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.60 Td (Assets for our U.K. pension plan are primarily invested in a pooled diversified growth fund. ) Tj ET Q q 0 0 0 rg BT 422.29 414.60 Td (This fund invests in assets such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 402.60 Td (global equities, hedge funds, commodities, below-investment-grade fixed income securities, and currencies. ) Tj ET Q q 0 0 0 rg BT 486.13 402.60 Td (The objectives of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.60 Td (the fund are to generate capital appreciation over the course of a complete economic and market cycle and to deliver equity-like ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 378.60 Td (returns in the medium-to-long term while maintaining approximately two thirds of the volatility of equity markets. Performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 366.60 Td (of this fund is measured against the U.K. inflation rate plus four percent. ) Tj ET Q q 0 0 0 rg BT 344.52 366.60 Td (The remaining assets in the U.K. plan are invested in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 354.60 Td (leveraged interest rate and inflation swap and gilt funds of varying durations designed to broadly match the interest rate and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 342.60 Td (inflation sensitivities of the plan's liabilities. ) Tj ET Q q 0 0 0 rg BT 231.10 342.60 Td (The current tar) Tj ET Q q 0 0 0 rg BT 290.33 342.60 Td (get allocation for the assets is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.85 342.60 Td (65 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.77 342.60 Td ( diversified growth assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 330.60 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.44 330.60 Td (35 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.36 330.60 Td ( interest rate and inflation swap funds. ) Tj ET Q q 0 0 0 rg BT 266.19 330.60 Td (There are no categories of investments that are specifically prohibited by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 318.60 Td (the U.K. plan, but there are general guidelines that ensure prudent investment action is taken. Such guidelines include the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 306.60 Td (prevention of the plan from using derivatives for speculative purposes and limiting the concentration of risk in any one type of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 294.60 Td (investment. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 282.60 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 270.60 Td (Assets for the OPEB plan are invested in life insurance contracts issued by one of our insurance subsidiaries. ) Tj ET Q q 0 0 0 rg BT 489.76 270.60 Td (The assets support ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 258.60 Td (life insurance benefits payable to certain former retirees covered under the OPEB plan. ) Tj ET Q q 0 0 0 rg BT 402.23 258.60 Td (The terms of these contracts are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 246.60 Td (consistent in all material respects with those the subsidiary of) Tj ET Q q 0 0 0 rg BT 295.10 246.60 Td (fers to unaf) Tj ET Q q 0 0 0 rg BT 340.45 246.60 Td (filiated parties that are similarly situated. ) Tj ET Q q 0 0 0 rg BT 509.10 246.60 Td (There are no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 234.60 Td (categories of investments specifically prohibited by the OPEB plan. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 222.60 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 210.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 210.60 Td (e believe our investment portfolios are well diversified by asset class and sector) Tj ET Q q 0 0 0 rg BT 376.53 210.60 Td (, with no undue risk concentrations in any one ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 198.60 Td (category) Tj ET Q q 0 0 0 rg BT 83.27 198.60 Td (.) Tj ET Q endstream endobj 341 0 obj <> endobj 342 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 9 - Employee Benefit Plans - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (166) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (The categorization of fair value measurements by input level for the invested assets in our U.S. pension plans is shown below) Tj ET Q q 0 0 0 rg BT 550.95 690.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (The carrying values of investment-related receivables and payables approximate fair value due to the short-term nature of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.60 Td (securities and are not included in the following chart. Investments valued using net asset value \(NA) Tj ET Q q 0 0 0 rg BT 448.93 666.60 Td (V\) as a practical expedient ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.60 Td (are not required to be categorized by input level, but these investments are included as follows to reconcile to total invested ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.60 Td (assets. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 548.10 148.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.75 548.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.75 548.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.75 548.10 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.75 548.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.75 548.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.75 548.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.75 548.10 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 548.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.75 548.10 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 520.10 148.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.75 520.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.75 520.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.75 520.10 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.75 520.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.75 520.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.75 520.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.75 520.10 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 520.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.75 520.10 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 492.10 148.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.75 492.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.75 492.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.75 492.10 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.75 492.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.75 492.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.75 492.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.75 492.10 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 492.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.75 492.10 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 464.10 148.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.75 464.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.75 464.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.75 464.10 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.75 464.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.75 464.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.75 464.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.75 464.10 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 464.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.75 464.10 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 436.10 148.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.75 436.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.75 436.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.75 436.10 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.75 436.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.75 436.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.75 436.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.75 436.10 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 436.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.75 436.10 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 408.10 148.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.75 408.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.75 408.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.75 408.10 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.75 408.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.75 408.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.75 408.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.75 408.10 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 408.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.75 408.10 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 380.10 148.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.75 380.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.75 380.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.75 380.10 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.75 380.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.75 380.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.75 380.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.75 380.10 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 380.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.75 380.10 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 352.10 148.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.75 352.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.75 352.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.75 352.10 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.75 352.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.75 352.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.75 352.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.75 352.10 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 352.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.75 352.10 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 324.10 148.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.75 324.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.75 324.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.75 324.10 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.75 324.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.75 324.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.75 324.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.75 324.10 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 324.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.75 324.10 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 296.10 148.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.75 296.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.75 296.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.75 296.10 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.75 296.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.75 296.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.75 296.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.75 296.10 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 296.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.75 296.10 66.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.75 617.1 m 281.75 617.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.75 617.1 m 285.75 617.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.75 617.1 m 361.75 617.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.75 617.1 m 365.75 617.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.75 617.1 m 435.75 617.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 617.1 m 439.75 617.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.75 617.1 m 496.75 617.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 617.1 m 500.75 617.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.75 617.1 m 566.75 617.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.75 562.1 m 281.75 562.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.75 562.1 m 361.75 562.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.75 562.1 m 435.75 562.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.75 617.1 m 496.75 617.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.75 562.1 m 496.75 562.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.75 562.1 m 566.75 562.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.75 548.1 m 281.75 548.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.75 548.1 m 285.75 548.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.75 548.1 m 361.75 548.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.75 548.1 m 365.75 548.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.75 548.1 m 435.75 548.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.75 548.1 m 439.75 548.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.75 548.1 m 496.75 548.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 548.1 m 500.75 548.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.75 548.1 m 566.75 548.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.75 296.1 m 281.75 296.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.75 296.1 m 361.75 296.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.75 296.1 m 435.75 296.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.75 296.1 m 496.75 296.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.75 296.1 m 281.75 296.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.75 283.1 m 281.75 283.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.75 281.1 m 281.75 281.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.75 296.1 m 361.75 296.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.75 283.1 m 361.75 283.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.75 281.1 m 361.75 281.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.75 296.1 m 435.75 296.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.75 283.1 m 435.75 283.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.75 281.1 m 435.75 281.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.75 296.1 m 496.75 296.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.75 283.1 m 496.75 283.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.75 281.1 m 496.75 281.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.75 296.1 m 566.75 296.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.75 283.1 m 566.75 283.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.75 281.1 m 566.75 281.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 621.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.95 621.77 Td (December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 566.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.55 596.77 Td (QuotedPrices) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.90 586.77 Td (in) Tj ET Q q 0 0 0 rg BT 212.63 586.77 Td (ActiveMarkets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.10 576.77 Td (forIdentical) Tj ET Q q 0 0 0 rg BT 251.19 576.77 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.25 566.77 Td (\(Level 1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.65 596.77 Td (SignificantOther) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.45 586.77 Td (Observable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.75 576.77 Td (Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.75 566.77 Td (\(Level 2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.30 596.77 Td (Significant) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.45 586.77 Td (Unobservable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.75 576.77 Td (Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.75 566.77 Td (\(Level 3\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.75 586.77 Td (NA) Tj ET Q q 0 0 0 rg BT 462.55 586.77 Td (V) Tj ET Q q 0 0 0 rg BT 469.04 586.77 Td ( as a) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.25 576.77 Td (Practical) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 566.77 Td (Expedient) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.00 566.77 Td (T) Tj ET Q q 0 0 0 rg BT 528.76 566.77 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.10 552.67 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 538.78 Td (Invested ) Tj ET Q q 0 0 0 rg BT 89.59 538.78 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 524.67 Td (Equity Securities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 510.67 Td (U.S. Lar) Tj ET Q q 0 0 0 rg BT 91.32 510.67 Td (ge Cap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.25 510.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.90 510.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.25 510.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 510.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.25 510.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 510.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.25 510.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.40 510.67 Td (83.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.25 510.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 510.67 Td (83.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 496.67 Td (U.S. Small Cap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.40 496.67 Td (18.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 496.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 496.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.90 496.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 496.67 Td (18.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 482.67 Td (Global) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.90 482.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 482.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 482.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.40 482.67 Td (290.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 482.67 Td (290.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 468.67 Td (International) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.90 468.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 468.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 468.67 Td () Tj ET Q BT /F1 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285.75 336 m 361.75 336 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.75 351 m 435.75 351 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.75 338 m 435.75 338 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.75 336 m 435.75 336 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.75 351 m 496.75 351 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.75 338 m 496.75 338 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.75 336 m 496.75 336 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.75 351 m 566.75 351 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.75 338 m 566.75 338 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.75 336 m 566.75 336 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 686.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.95 686.67 Td (December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 621.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.55 661.67 Td (QuotedPrices) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.55 651.67 Td (in) Tj ET Q q 0 0 0 rg BT 230.28 651.67 Td (Active) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.25 641.67 Td (Markets for) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.20 631.67 Td (Identical) Tj ET Q q 0 0 0 rg BT 244.13 631.67 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.25 621.67 Td (\(Level 1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.30 661.67 Td (Significant) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.85 651.67 Td (Other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.45 641.67 Td (Observable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.75 631.67 Td (Inputs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.75 621.67 Td (\(Level 2\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.30 651.67 Td (Significant) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.45 641.67 Td (Unobservable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.75 631.67 Td (Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.75 621.67 Td (\(Level 3\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.75 641.67 Td (NA) Tj ET Q q 0 0 0 rg BT 462.55 641.67 Td (V) Tj ET Q q 0 0 0 rg BT 469.04 641.67 Td ( as a) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.25 631.67 Td (Practical) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 621.67 Td (Expedient) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.00 621.67 Td (T) Tj ET Q q 0 0 0 rg BT 528.76 621.67 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.10 607.57 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 593.68 Td (Invested ) Tj ET Q q 0 0 0 rg BT 89.59 593.68 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 579.57 Td (Equity Securities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 565.57 Td (U.S. Lar) Tj ET Q q 0 0 0 rg BT 91.32 565.57 Td (ge Cap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.25 565.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.90 565.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.25 565.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 565.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.25 565.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 565.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.25 565.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.40 565.57 Td (103.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.25 565.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 565.57 Td (103.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 551.57 Td (U.S. Small Cap) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.40 551.57 Td (45.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 551.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 551.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.90 551.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 551.57 Td (45.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 537.57 Td (Global) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.90 537.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 537.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 537.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.40 537.57 Td (325.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 537.57 Td (325.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 523.57 Td (International) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.90 523.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 523.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 523.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.40 523.57 Td (35.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 523.57 Td (35.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 509.57 Td (Emer) Tj ET Q q 0 0 0 rg BT 78.81 509.57 Td (ging Markets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.90 509.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 509.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 509.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.40 509.57 Td (61.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 509.57 Td (61.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 495.57 Td (Fixed Income Securities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 481.57 Td (U.S. Government and ) Tj ET Q q 0 0 0 rg BT 146.68 481.57 Td (Agencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.40 481.57 Td (248.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.40 481.57 Td (1) Tj ET Q q 0 0 0 rg BT 345.40 481.57 Td (1.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 481.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.90 481.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 481.57 Td (260.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 467.57 Td (Corporate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.90 467.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.40 467.57 Td (335.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 467.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.90 467.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 467.57 Td (335.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 453.57 Td (State and Municipal Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.90 453.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.40 453.57 Td (6.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 453.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.90 453.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 453.57 Td (6.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 439.57 Td (Opportunistic Credits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.90 439.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 439.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 439.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.40 439.57 Td (193.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 439.57 Td (193.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 425.57 Td (Real Estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.90 425.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 425.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 425.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.40 425.57 Td (96.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 425.57 Td (96.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 411.57 Td (Alternative Investments:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 397.57 Td (Private Equity Direct Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.90 397.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 397.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 397.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.40 397.57 Td (45.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 397.57 Td (45.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 383.57 Td (Private Equity Funds of Funds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.90 383.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 383.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 383.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.40 383.57 Td (34.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 383.57 Td (34.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 369.57 Td (Hedge Funds of Funds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.90 369.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 369.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 369.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.40 369.57 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 369.57 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 355.57 Td (Cash Equivalents) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.40 355.57 Td (32.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 355.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 355.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.90 355.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 355.57 Td (32.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 341.68 Td (T) Tj ET Q q 0 0 0 rg BT 57.00 341.68 Td (otal Invested ) Tj ET Q q 0 0 0 rg BT 113.67 341.68 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.25 341.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.40 341.57 Td (325.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.25 341.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.40 341.57 Td (353.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.25 341.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 341.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.25 341.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.40 341.57 Td (895.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.25 341.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 341.57 Td (1,575.0) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 313.50 Td (Level 1 investments consist of individual holdings that are valued based on unadjusted quoted prices from active markets for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 301.50 Td (identical securities. Level 2 investments consist of individual holdings that are valued using observable inputs through market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 289.50 Td (corroborated pricing. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 265.50 Td (Certain equity) Tj ET Q q 0 0 0 rg BT 105.78 265.50 Td (, opportunistic credit, and real estate investments are valued based on the NA) Tj ET Q q 0 0 0 rg BT 413.28 265.50 Td (V) Tj ET Q q 0 0 0 rg BT 420.32 265.50 Td ( of the underlying holdings. ) Tj ET Q q 0 0 0 rg BT 535.96 265.50 Td (W) Tj ET Q q 0 0 0 rg BT 544.60 265.50 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 253.50 Td (made no adjustments to the NA) Tj ET Q q 0 0 0 rg BT 174.58 253.50 Td (V) Tj ET Q q 0 0 0 rg BT 181.62 253.50 Td ( for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.28 253.50 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.28 253.50 Td ( or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.61 253.50 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.61 253.50 Td (. ) Tj ET Q q 0 0 0 rg BT 258.93 253.50 Td (These investments have no unfunded commitments and no specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 241.50 Td (redemption restrictions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 217.50 Td (Alternative investments are valued based on NA) Tj ET Q q 0 0 0 rg BT 242.04 217.50 Td (V) Tj ET Q q 0 0 0 rg BT 249.08 217.50 Td ( in a period ranging from one month to one quarter in arrears. ) Tj ET Q q 0 0 0 rg BT 499.65 217.50 Td (W) Tj ET Q q 0 0 0 rg BT 508.29 217.50 Td (e evaluate the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 205.50 Td (need for adjustments to the NA) Tj ET Q q 0 0 0 rg BT 173.46 205.50 Td (V) Tj ET Q q 0 0 0 rg BT 180.50 205.50 Td ( based on market conditions and discussions with fund managers in the period subsequent to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 193.50 Td (valuation date and prior to issuance of the financial statements. ) Tj ET Q q 0 0 0 rg BT 306.46 193.50 Td (W) Tj ET Q q 0 0 0 rg BT 315.10 193.50 Td (e made no adjustments to the NA) Tj ET Q q 0 0 0 rg BT 447.11 193.50 Td (V) Tj ET Q q 0 0 0 rg BT 454.15 193.50 Td ( for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.81 193.50 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.81 193.50 Td ( or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.14 193.50 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.14 193.50 Td (. ) Tj ET Q q 0 0 0 rg BT 531.46 193.50 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 181.50 Td (private equity direct investments and private equity funds of funds generally cannot be redeemed by investors. Distributions of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 169.50 Td (capital from the sale of underlying fund assets may occur at any time, but are generally concentrated between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.60 169.50 Td (five) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.15 169.50 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.59 169.50 Td (eight ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 157.50 Td (years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.60 157.50 Td ( from the formation of the fund. ) Tj ET Q endstream endobj 345 0 obj <> endobj 346 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 9 - Employee Benefit Plans - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (168) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (The categorization of fair value measurements by input level for the invested assets in our U.K. pension plan is shown below) Tj ET Q q 0 0 0 rg BT 548.72 690.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (Investments valued using NA) Tj ET Q q 0 0 0 rg BT 166.80 678.60 Td (V) Tj ET Q q 0 0 0 rg BT 173.85 678.60 Td ( as a practical expedient are not required to be categorized by input level, but these investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.60 Td (are included as follows to reconcile to total invested assets.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 574.10 176.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 224.75 574.10 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.75 574.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.75 574.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.75 574.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.75 574.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.75 574.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.75 574.10 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.75 574.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.75 574.10 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 546.10 176.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 224.75 546.10 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.75 546.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.75 546.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.75 546.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.75 546.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.75 546.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.75 546.10 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.75 546.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.75 546.10 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 518.10 176.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 224.75 518.10 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.75 518.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.75 518.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.75 518.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.75 518.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.75 518.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.75 518.10 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.75 518.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.75 518.10 54.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.75 643.1 m 302.75 643.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.75 643.1 m 306.75 643.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.75 643.1 m 376.75 643.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.75 643.1 m 380.75 643.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.75 643.1 m 450.75 643.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 643.1 m 454.75 643.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.75 643.1 m 508.75 643.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.75 643.1 m 512.75 643.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.75 643.1 m 566.75 643.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.75 643.1 m 302.75 643.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.75 587.1 m 302.75 587.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.75 587.1 m 376.75 587.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.75 587.1 m 450.75 587.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 643.1 m 454.75 643.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.75 643.1 m 508.75 643.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.75 587.1 m 508.75 587.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.75 587.1 m 566.75 587.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.75 574.1 m 302.75 574.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.75 574.1 m 306.75 574.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.75 574.1 m 376.75 574.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.75 574.1 m 380.75 574.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.75 574.1 m 450.75 574.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 574.1 m 454.75 574.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.75 574.1 m 508.75 574.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.75 574.1 m 512.75 574.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.75 574.1 m 566.75 574.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.75 518.1 m 302.75 518.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.75 518.1 m 376.75 518.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.75 518.1 m 450.75 518.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.75 518.1 m 508.75 518.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.75 518.1 m 302.75 518.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.75 505.1 m 302.75 505.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.75 503.1 m 302.75 503.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.75 518.1 m 376.75 518.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.75 505.1 m 376.75 505.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.75 503.1 m 376.75 503.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.75 518.1 m 450.75 518.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.75 505.1 m 450.75 505.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.75 503.1 m 450.75 503.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.75 518.1 m 508.75 518.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.75 505.1 m 508.75 505.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.75 503.1 m 508.75 503.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.75 518.1 m 566.75 518.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.75 505.1 m 566.75 505.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.75 503.1 m 566.75 503.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 646.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.95 646.67 Td (December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 591.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.05 631.77 Td (Quoted Prices ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.05 621.77 Td (in ) Tj ET Q q 0 0 0 rg BT 254.78 621.77 Td (Active ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.75 611.77 Td (Markets for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.70 601.77 Td (Identical ) Tj ET Q q 0 0 0 rg BT 268.63 601.77 Td (Assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.75 591.77 Td (\(Level 1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.30 631.77 Td (Significant) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.85 621.77 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.45 611.77 Td (Observable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.75 601.77 Td (Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.75 591.77 Td (\(Level 2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.30 621.77 Td (Significant) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.45 611.77 Td (Unobservable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.75 601.77 Td (Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.75 591.77 Td (\(Level 3\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.25 611.77 Td (NA) Tj ET Q q 0 0 0 rg BT 476.05 611.77 Td (V) Tj ET Q q 0 0 0 rg BT 482.54 611.77 Td ( as a) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.75 601.77 Td (Practical) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.95 591.77 Td (Expedient) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.00 591.77 Td (T) Tj ET Q q 0 0 0 rg BT 534.41 591.77 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.10 577.67 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 564.78 Td (Plan ) Tj ET Q q 0 0 0 rg BT 72.92 564.78 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 550.67 Td (Diversified Growth ) Tj ET Q q 0 0 0 rg BT 131.51 550.67 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.25 550.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.90 550.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.25 550.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.90 550.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.25 550.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.90 550.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.25 550.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.40 550.67 Td (133.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.25 550.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 550.67 Td (133.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 536.67 Td (Fixed Interest and Index-linked Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.40 536.67 Td (81.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.90 536.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.90 536.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.90 536.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 536.67 Td (81.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 522.67 Td (Cash Equivalents) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.40 522.67 Td (2.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.90 522.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.90 522.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.90 522.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 522.67 Td (2.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 508.78 Td (T) Tj ET Q q 0 0 0 rg BT 57.00 508.78 Td (otal Plan ) Tj ET Q q 0 0 0 rg BT 97.01 508.78 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.25 508.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.40 508.67 Td (84.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.25 508.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.90 508.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.25 508.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.90 508.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.25 508.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.40 508.67 Td (133.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.25 508.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 508.67 Td (217.0) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 399.10 176.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 224.75 399.10 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.75 399.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.75 399.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.75 399.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.75 399.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.75 399.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.75 399.10 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.75 399.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.75 399.10 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 371.10 176.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 224.75 371.10 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.75 371.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.75 371.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.75 371.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.75 371.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.75 371.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.75 371.10 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.75 371.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.75 371.10 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 343.10 176.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 224.75 343.10 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.75 343.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.75 343.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.75 343.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.75 343.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.75 343.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.75 343.10 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.75 343.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.75 343.10 54.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.75 469.1 m 302.75 469.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.75 469.1 m 306.75 469.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.75 469.1 m 376.75 469.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.75 469.1 m 380.75 469.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.75 469.1 m 450.75 469.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 469.1 m 454.75 469.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.75 469.1 m 508.75 469.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.75 469.1 m 512.75 469.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.75 469.1 m 566.75 469.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.75 413.1 m 302.75 413.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.75 413.1 m 376.75 413.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.75 413.1 m 450.75 413.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.75 469.1 m 508.75 469.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.75 413.1 m 508.75 413.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.75 413.1 m 566.75 413.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.75 399.1 m 302.75 399.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.75 399.1 m 306.75 399.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.75 399.1 m 376.75 399.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.75 399.1 m 380.75 399.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.75 399.1 m 450.75 399.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 399.1 m 454.75 399.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.75 399.1 m 508.75 399.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.75 399.1 m 512.75 399.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.75 399.1 m 566.75 399.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.75 343.1 m 302.75 343.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.75 343.1 m 376.75 343.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.75 343.1 m 450.75 343.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.75 343.1 m 508.75 343.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.75 343.1 m 566.75 343.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.75 343.1 m 302.75 343.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.75 330.1 m 302.75 330.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 224.75 328.1 m 302.75 328.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.75 343.1 m 376.75 343.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.75 330.1 m 376.75 330.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.75 328.1 m 376.75 328.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.75 343.1 m 450.75 343.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.75 330.1 m 450.75 330.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.75 328.1 m 450.75 328.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.75 343.1 m 508.75 343.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.75 330.1 m 508.75 330.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.75 328.1 m 508.75 328.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.75 343.1 m 566.75 343.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.75 330.1 m 566.75 330.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.75 328.1 m 566.75 328.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 472.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.95 472.67 Td (December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 417.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.05 457.77 Td (QuotedPrices) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.05 447.77 Td (in) Tj ET Q q 0 0 0 rg BT 255.05 447.77 Td (Active) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.75 437.77 Td (Markets for) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.70 427.77 Td (Identical) Tj ET Q q 0 0 0 rg BT 268.90 427.77 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.75 417.77 Td (\(Level 1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.30 457.77 Td (Significant) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.85 447.77 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.45 437.77 Td (Observable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.75 427.77 Td (Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.75 417.77 Td (\(Level 2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.30 447.77 Td (Significant) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.45 437.77 Td (Unobservable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.75 427.77 Td (Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.75 417.77 Td (\(Level 3\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.25 437.77 Td (NA) Tj ET Q q 0 0 0 rg BT 476.05 437.77 Td (V) Tj ET Q q 0 0 0 rg BT 482.54 437.77 Td ( as a) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.75 427.77 Td (Practical) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.95 417.77 Td (Expedient) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.00 417.77 Td (T) Tj ET Q q 0 0 0 rg BT 534.76 417.77 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.10 403.67 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 389.78 Td (Plan ) Tj ET Q q 0 0 0 rg BT 72.92 389.78 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 375.67 Td (Diversified Growth ) Tj ET Q q 0 0 0 rg BT 131.51 375.67 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.25 375.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.90 375.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.25 375.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.90 375.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.25 375.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.90 375.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.25 375.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.40 375.67 Td (154.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.25 375.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 375.67 Td (154.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 361.67 Td (Fixed Interest and Index-linked Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.40 361.67 Td (98.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.90 361.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.90 361.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.90 361.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 361.67 Td (98.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 347.67 Td (Cash Equivalents) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.40 347.67 Td (0.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.90 347.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.90 347.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.90 347.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 347.67 Td (0.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 333.78 Td (T) Tj ET Q q 0 0 0 rg BT 57.00 333.78 Td (otal Plan ) Tj ET Q q 0 0 0 rg BT 97.01 333.78 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.25 333.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.40 333.67 Td (98.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.25 333.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.90 333.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.25 333.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.90 333.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.25 333.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.40 333.67 Td (154.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.25 333.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 333.67 Td (253.5) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 305.60 Td (Level 1 fixed interest and index-linked securities consist of individual funds that are valued based on unadjusted quoted prices ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 293.60 Td (from active markets for identical securities. Diversified growth assets are valued based on the NA) Tj ET Q q 0 0 0 rg BT 441.97 293.60 Td (V) Tj ET Q q 0 0 0 rg BT 449.01 293.60 Td ( of the underlying holdings. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 281.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 281.60 Td (e made no adjustments to the NA) Tj ET Q q 0 0 0 rg BT 190.15 281.60 Td (V) Tj ET Q q 0 0 0 rg BT 197.20 281.60 Td ( for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.86 281.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.86 281.60 Td ( or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.19 281.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.19 281.60 Td (. ) Tj ET Q q 0 0 0 rg BT 274.50 281.60 Td (These investments have no unfunded commitments and no specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 269.60 Td (redemption restrictions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 257.60 Td ( ) Tj ET Q endstream endobj 347 0 obj <> endobj 348 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 9 - Employee Benefit Plans - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (169) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (The categorization of fair value measurements by input level for the assets in our OPEB plan is as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 605.10 202.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.75 605.10 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.75 605.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.75 605.10 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.75 605.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.75 605.10 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.75 605.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 605.10 70.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.75 667.1 m 336.75 667.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.75 667.1 m 340.75 667.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 667.1 m 416.75 667.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.75 667.1 m 420.75 667.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.75 667.1 m 492.75 667.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.75 667.1 m 496.75 667.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 667.1 m 566.75 667.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.75 619.1 m 336.75 619.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 619.1 m 416.75 619.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.75 619.1 m 492.75 619.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 619.1 m 566.75 619.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.75 605.1 m 336.75 605.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.75 605.1 m 340.75 605.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 605.1 m 416.75 605.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.75 605.1 m 420.75 605.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.75 605.1 m 492.75 605.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.75 605.1 m 496.75 605.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 605.1 m 566.75 605.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.75 578.1 m 336.75 578.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.75 576.1 m 336.75 576.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 578.1 m 416.75 578.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.75 576.1 m 416.75 576.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.75 578.1 m 492.75 578.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.75 576.1 m 492.75 576.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 578.1 m 566.75 578.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 576.1 m 566.75 576.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.25 670.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.95 670.67 Td (December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.25 623.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.05 653.77 Td (QuotedPrices) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.40 643.77 Td (in) Tj ET Q q 0 0 0 rg BT 267.13 643.77 Td (ActiveMarkets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.60 633.77 Td (forIdentical) Tj ET Q q 0 0 0 rg BT 305.69 633.77 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.75 623.77 Td (\(Level 1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.65 653.77 Td (SignificantOther) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.45 643.77 Td (Observable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.75 633.77 Td (Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.75 623.77 Td (\(Level 2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.30 653.77 Td (Significant) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.45 643.77 Td (Unobservable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.75 633.77 Td (Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.75 623.77 Td (\(Level 3\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.00 623.77 Td (T) Tj ET Q q 0 0 0 rg BT 526.76 623.77 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.10 609.67 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 595.78 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 581.67 Td (Life Insurance Contracts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.25 581.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.90 581.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.25 581.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.90 581.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.25 581.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.40 581.67 Td (10.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.25 581.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 581.67 Td (10.1) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 479.10 202.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.75 479.10 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.75 479.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.75 479.10 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.75 479.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.75 479.10 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.75 479.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.75 479.10 71.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.75 541.1 m 335.75 541.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.75 541.1 m 339.75 541.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.75 541.1 m 415.75 541.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.75 541.1 m 419.75 541.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.75 541.1 m 491.75 541.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.75 541.1 m 495.75 541.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.75 541.1 m 566.75 541.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.75 493.1 m 335.75 493.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.75 493.1 m 415.75 493.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.75 493.1 m 491.75 493.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.75 493.1 m 566.75 493.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.75 479.1 m 335.75 479.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.75 479.1 m 339.75 479.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.75 479.1 m 415.75 479.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.75 479.1 m 419.75 479.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.75 479.1 m 491.75 479.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.75 479.1 m 495.75 479.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.75 479.1 m 566.75 479.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.75 452.1 m 335.75 452.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.75 450.1 m 335.75 450.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.75 452.1 m 415.75 452.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.75 450.1 m 415.75 450.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.75 452.1 m 491.75 452.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.75 450.1 m 491.75 450.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.75 452.1 m 566.75 452.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.75 450.1 m 566.75 450.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.95 545.67 Td (December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.25 497.77 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.55 527.77 Td (QuotedPrices) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.90 517.77 Td (in) Tj ET Q q 0 0 0 rg BT 266.63 517.77 Td (ActiveMarkets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.10 507.77 Td (forIdentical) Tj ET Q q 0 0 0 rg BT 305.19 507.77 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.25 497.77 Td (\(Level 1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.65 527.77 Td (SignificantOther) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.45 517.77 Td (Observable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.75 507.77 Td (Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.75 497.77 Td (\(Level 2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.30 527.77 Td (Significant) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.45 517.77 Td (Unobservable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.75 507.77 Td (Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.75 497.77 Td (\(Level 3\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.50 497.77 Td (T) Tj ET Q q 0 0 0 rg BT 526.26 497.77 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.10 483.67 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 469.78 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 455.67 Td (Life Insurance Contracts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.25 455.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.90 455.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.25 455.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.90 455.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.25 455.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.40 455.67 Td (10.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.25 455.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 455.67 Td (10.5) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 427.60 Td (The fair value is represented by the actuarial present value of future cash flows of the contracts.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 403.60 Td (Changes in our OPEB plan assets measured at fair value on a recurring basis using significant unobservable inputs \(Level 3\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 391.60 Td (during the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.80 391.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.38 391.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.82 391.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.82 391.60 Td ( are as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 331.10 165.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 213.75 331.10 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.75 331.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.75 331.10 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.75 331.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.75 331.10 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 413.75 331.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.75 331.10 75.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.75 331.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 331.10 70.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.75 368.1 m 269.75 368.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.75 368.1 m 273.75 368.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.75 368.1 m 344.75 368.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.75 368.1 m 348.75 368.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 368.1 m 413.75 368.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.75 368.1 m 417.75 368.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.75 368.1 m 492.75 368.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.75 368.1 m 496.75 368.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 368.1 m 566.75 368.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.75 344.1 m 269.75 344.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.75 344.1 m 344.75 344.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 344.1 m 413.75 344.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.75 344.1 m 492.75 344.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 344.1 m 566.75 344.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.75 331.1 m 269.75 331.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.75 331.1 m 273.75 331.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.75 331.1 m 344.75 331.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.75 331.1 m 348.75 331.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 331.1 m 413.75 331.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.75 331.1 m 417.75 331.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.75 331.1 m 492.75 331.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.75 331.1 m 496.75 331.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 331.1 m 566.75 331.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.75 331.1 m 269.75 331.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.75 319.1 m 269.75 319.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.75 317.1 m 269.75 317.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.75 331.1 m 273.75 331.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.75 331.1 m 344.75 331.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.75 319.1 m 344.75 319.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.75 317.1 m 344.75 317.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.75 331.1 m 348.75 331.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 331.1 m 413.75 331.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 319.1 m 413.75 319.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 317.1 m 413.75 317.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.75 331.1 m 417.75 331.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.75 331.1 m 492.75 331.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.75 319.1 m 492.75 319.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.75 317.1 m 492.75 317.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 331.1 m 566.75 331.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 319.1 m 566.75 319.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 317.1 m 566.75 317.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.75 371.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.95 371.67 Td (Y) Tj ET Q q 0 0 0 rg BT 332.17 371.67 Td (ear Ended December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.40 358.67 Td (Beginning) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.80 348.67 Td (of ) Tj ET Q q 0 0 0 rg BT 237.26 348.67 Td (Y) Tj ET Q q 0 0 0 rg BT 243.48 348.67 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.55 358.67 Td (Actual Return) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.55 348.67 Td (on Plan ) Tj ET Q q 0 0 0 rg BT 312.05 348.67 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.20 348.77 Td (Contributions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.10 358.67 Td (Net Benefits and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.70 348.67 Td (Expenses Paid) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.50 348.77 Td (End of ) Tj ET Q q 0 0 0 rg BT 536.75 348.77 Td (Y) Tj ET Q q 0 0 0 rg BT 543.29 348.77 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.60 334.67 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 321.67 Td (Life Insurance Contracts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.25 321.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.40 321.67 Td (10.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.25 321.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.40 321.67 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.25 321.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.40 321.67 Td (10.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.25 321.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.05 321.72 Td (\(1) Tj ET Q q 0 0 0 rg BT 476.38 321.72 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.90 321.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.25 321.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 321.67 Td (10.1) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 244.10 165.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 213.75 244.10 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.75 244.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.75 244.10 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.75 244.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.75 244.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 413.75 244.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.75 244.10 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.75 244.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 244.10 70.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.75 282.1 m 269.75 282.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.75 282.1 m 273.75 282.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.75 282.1 m 344.75 282.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.75 282.1 m 348.75 282.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 282.1 m 413.75 282.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.75 282.1 m 417.75 282.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.75 282.1 m 492.75 282.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.75 282.1 m 496.75 282.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 282.1 m 566.75 282.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.75 258.1 m 269.75 258.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.75 258.1 m 344.75 258.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 258.1 m 413.75 258.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.75 258.1 m 492.75 258.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 258.1 m 566.75 258.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.75 244.10000000000002 m 269.75 244.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.75 244.10000000000002 m 273.75 244.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.75 244.10000000000002 m 344.75 244.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.75 244.10000000000002 m 348.75 244.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 244.10000000000002 m 413.75 244.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.75 244.10000000000002 m 417.75 244.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.75 244.10000000000002 m 492.75 244.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.75 244.10000000000002 m 496.75 244.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 244.10000000000002 m 566.75 244.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.75 244.10000000000002 m 269.75 244.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.75 231.10000000000002 m 269.75 231.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.75 229.10000000000002 m 269.75 229.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.75 244.10000000000002 m 273.75 244.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.75 244.10000000000002 m 344.75 244.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.75 231.10000000000002 m 344.75 231.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.75 229.10000000000002 m 344.75 229.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.75 244.10000000000002 m 348.75 244.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 244.10000000000002 m 413.75 244.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 231.10000000000002 m 413.75 231.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 229.10000000000002 m 413.75 229.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.75 244.10000000000002 m 417.75 244.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.75 244.10000000000002 m 492.75 244.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.75 231.10000000000002 m 492.75 231.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.75 229.10000000000002 m 492.75 229.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 244.10000000000002 m 566.75 244.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 231.10000000000002 m 566.75 231.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 229.10000000000002 m 566.75 229.10000000000002 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 286.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.95 286.67 Td (Y) Tj ET Q q 0 0 0 rg BT 332.17 286.67 Td (ear Ended December 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.40 272.67 Td (Beginning) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.80 262.67 Td (of ) Tj ET Q q 0 0 0 rg BT 237.26 262.67 Td (Y) Tj ET Q q 0 0 0 rg BT 243.48 262.67 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.55 272.67 Td (Actual Return) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.55 262.67 Td (on Plan ) Tj ET Q q 0 0 0 rg BT 312.05 262.67 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.20 262.77 Td (Contributions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.10 272.67 Td (Net Benefits and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.70 262.67 Td (Expenses Paid) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.50 262.77 Td (End of ) Tj ET Q q 0 0 0 rg BT 536.75 262.77 Td (Y) Tj ET Q q 0 0 0 rg BT 543.29 262.77 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.60 248.67 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 234.67 Td (Life Insurance Contracts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.25 234.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.40 234.67 Td (10.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.25 234.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.40 234.67 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.25 234.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.40 234.67 Td (9.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.25 234.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.05 234.72 Td (\(10.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.90 234.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.25 234.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 234.67 Td (10.5) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 206.60 Td (For the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.58 206.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.17 206.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.61 206.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.61 206.60 Td (, the actual return on plan assets relates solely to investments still held at the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 194.60 Td (reporting date. ) Tj ET Q q 0 0 0 rg BT 112.63 194.60 Td (There were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.37 194.60 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.37 194.60 Td ( transfers into or out of Level 3 during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.17 194.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.17 194.60 Td ( or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.50 194.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.50 194.60 Td (. ) Tj ET Q endstream endobj 349 0 obj <> endobj 350 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 9 - Employee Benefit Plans - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (170) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 690.75 Td (Measurement ) Tj ET Q q 0 0 0 rg BT 108.30 690.75 Td (Assumptions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 666.75 Td (e use a December 31 measurement date for each of our plans. ) Tj ET Q q 0 0 0 rg BT 308.96 666.75 Td (The weighted average assumptions) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 449.19 666.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 451.69 666.75 Td (used in the measurement of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.75 Td (our benefit obligations as of December 31 and our net periodic benefit costs for the years ended December 31 are as follows: ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 602.25 145.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.75 602.25 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.75 602.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 256.75 602.25 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.75 602.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.75 602.25 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 602.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.75 602.25 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.75 602.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.75 602.25 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.75 602.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.75 602.25 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 574.25 145.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.75 574.25 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.75 574.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 256.75 574.25 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.75 574.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.75 574.25 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 574.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.75 574.25 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.75 574.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.75 574.25 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.75 574.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.75 574.25 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 546.25 145.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.75 546.25 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.75 546.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 256.75 546.25 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.75 546.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.75 546.25 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 546.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.75 546.25 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.75 546.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.75 546.25 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.75 546.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.75 546.25 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 518.25 145.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.75 518.25 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.75 518.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 256.75 518.25 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.75 518.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.75 518.25 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.75 518.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.75 518.25 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.75 518.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.75 518.25 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.75 518.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.75 518.25 59.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193.75 630.25 m 252.75 630.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252.75 630.25 m 256.75 630.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 256.75 630.25 m 315.75 630.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.75 630.25 m 319.75 630.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.75 630.25 m 378.75 630.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 630.25 m 382.75 630.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 630.25 m 440.75 630.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193.75 616.25 m 252.75 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252.75 616.25 m 256.75 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 256.75 616.25 m 315.75 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.75 616.25 m 378.75 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 616.25 m 382.75 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 616.25 m 440.75 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.75 616.25 m 503.75 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 616.25 m 507.75 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.75 616.25 m 566.75 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193.75 616.25 m 252.75 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193.75 602.25 m 252.75 602.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252.75 616.25 m 256.75 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 256.75 616.25 m 315.75 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 256.75 602.25 m 315.75 602.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.75 616.25 m 378.75 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.75 602.25 m 378.75 602.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.75 616.25 m 382.75 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 616.25 m 440.75 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 602.25 m 440.75 602.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.75 616.25 m 503.75 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.75 602.25 m 503.75 602.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.75 616.25 m 507.75 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.75 616.25 m 566.75 616.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.75 602.25 m 566.75 602.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.75 634.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.00 634.82 Td (Pension Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.75 634.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.75 634.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.75 620.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.25 620.82 Td (U.S. Plans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.85 620.82 Td (U.K. Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.45 620.82 Td (OPEB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.75 606.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.75 606.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.75 606.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.75 606.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.25 606.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.75 606.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.75 606.82 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 592.93 Td (Benefit Obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 578.82 Td ( Discount Rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.40 578.82 Td (4.40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.90 578.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.40 578.82 Td (3.80) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.90 578.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.40 578.82 Td (2.90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.90 578.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.40 578.82 Td (2.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.90 578.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.40 578.82 Td (4.40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.90 578.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 578.82 Td (3.70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.90 578.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 564.82 Td ( Rate of Compensation Increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.55 564.82 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.55 564.82 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.40 564.82 Td (3.70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.90 564.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.40 564.82 Td (3.70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.90 564.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.55 564.82 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.55 564.82 Td (N/A) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 536.93 Td (Net Periodic Benefit Cost) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 522.82 Td ( Discount Rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.40 522.82 Td (3.80) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.90 522.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.40 522.82 Td (4.40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.90 522.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.40 522.82 Td (2.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.90 522.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.40 522.82 Td (2.70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.90 522.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.40 522.82 Td (3.70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.90 522.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 522.82 Td (4.20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.90 522.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 508.82 Td ( Expected Return on Plan ) Tj ET Q q 0 0 0 rg BT 160.67 508.82 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.40 508.82 Td (6.75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.90 508.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.40 508.82 Td (7.25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.90 508.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.40 508.82 Td (3.90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.90 508.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.40 508.82 Td (3.90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.90 508.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.40 508.82 Td (5.75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.90 508.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 508.82 Td (5.75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.90 508.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 494.82 Td ( Rate of Compensation Increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.55 494.82 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.55 494.82 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.40 494.82 Td (3.70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.90 494.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.40 494.82 Td (3.80) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.90 494.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.55 494.82 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.55 494.82 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 466.75 Td (e set the discount rate assumption annually for each of our retirement-related benefit plans at the measurement date to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 454.75 Td (reflect the yield on a portfolio of high quality fixed income corporate debt instruments matched against the projected cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 442.75 Td (flows for future benefits. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.75 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.75 Td (Our long-term rate of return on plan assets assumption is selected from a range of probable return outcomes from an analysis of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 406.75 Td (the asset portfolio. Our expectations for the future investment returns of the asset categories are based on a combination of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.75 Td (historical market performance, evaluations of investment forecasts obtained from external consultants and economists, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.75 Td (current market yields. ) Tj ET Q q 0 0 0 rg BT 141.79 382.75 Td (The methodology underlying the return assumption includes the various elements of the expected return ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.75 Td (for each asset class such as long-term rates of return, volatility of returns, and the correlation of returns between various asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 358.75 Td (classes. ) Tj ET Q q 0 0 0 rg BT 84.59 358.75 Td (The expected return for the total portfolio is calculated based on the plan's strategic asset allocation.Investment risk is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 346.75 Td (measured and monitored on an ongoing basis through annual liability measurements, periodic asset/liability studies, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 334.75 Td (quarterly investment portfolio reviews. Risk tolerance is established through consideration of plan liabilities, plan funded status, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 322.75 Td (and corporate financial condition. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 298.75 Td (Our mortality rate assumption reflects our best estimate, as of the measurement date, of the life expectancies of plan participants ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 286.75 Td (in order to determine the expected length of time for benefit payments. ) Tj ET Q q 0 0 0 rg BT 337.55 286.75 Td (W) Tj ET Q q 0 0 0 rg BT 346.19 286.75 Td (e derive our assumptions from industry mortality ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 274.75 Td (tables. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 250.75 Td (The expected return assumption for the life insurance reserve for our OPEB plan is based on full investment in fixed income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.75 Td (securities with an average book yield of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.39 238.75 Td (4.73 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.81 238.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.25 238.75 Td (4.76 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.68 238.75 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.45 238.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.45 238.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.89 238.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.89 238.75 Td (, respectively) Tj ET Q q 0 0 0 rg BT 454.55 238.75 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 214.75 Td (The rate of compensation increase assumption for our U.K. pension plan is generally based on periodic studies of compensation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.75 Td (trends.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.75 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 178.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.58 178.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.02 178.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.02 178.75 Td (, the annual rates of increase in the per capita cost of covered postretirement health care benefits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.75 Td (assumed for the next calendar year are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.81 166.75 Td (7.00 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.23 166.75 Td ( for benefits payable to both retirees prior to Medicare eligibility as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 154.75 Td (Medicare eligible retirees. ) Tj ET Q q 0 0 0 rg BT 158.99 154.75 Td (The rates are assumed to change gradually to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.69 154.75 Td (5.00 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.12 154.75 Td ( by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.12 154.75 Td (2024) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.12 154.75 Td ( for measurement at December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 142.75 Td (2018 and remain at that level thereafter) Tj ET Q q 0 0 0 rg BT 206.10 142.75 Td (. ) Tj ET Q q 0 0 0 rg BT 213.42 142.75 Td (The annual rates of increase in the per capita cost of covered postretirement health ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 130.75 Td (benefits do not apply to retirees whose postretirement health care benefits are provided through an exchange. ) Tj ET Q endstream endobj 351 0 obj <> endobj 352 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 9 - Employee Benefit Plans - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (171) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 690.75 Td (Net Periodic Benefit Cost) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.75 Td (The following table provides the components of the net periodic benefit cost \(credit\) for the years ended December 31. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 600.25 153.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.75 600.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.75 600.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.75 600.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.75 600.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.75 600.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 320.75 600.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.75 600.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.75 600.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.75 600.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.75 600.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.75 600.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.75 600.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.75 600.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.75 600.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.75 600.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.75 600.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.75 600.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 572.25 153.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.75 572.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.75 572.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.75 572.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.75 572.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.75 572.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 320.75 572.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.75 572.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.75 572.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.75 572.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.75 572.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.75 572.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.75 572.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.75 572.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.75 572.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.75 572.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.75 572.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.75 572.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 544.25 153.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.75 544.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.75 544.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.75 544.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.75 544.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.75 544.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 320.75 544.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.75 544.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.75 544.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.75 544.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.75 544.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.75 544.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.75 544.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.75 544.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.75 544.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.75 544.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.75 544.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.75 544.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 516.25 153.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.75 516.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.75 516.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.75 516.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.75 516.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.75 516.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 320.75 516.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.75 516.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.75 516.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.75 516.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.75 516.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.75 516.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.75 516.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.75 516.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.75 516.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.75 516.25 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.75 516.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.75 516.25 37.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.75 642.25 m 238.75 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.75 642.25 m 242.75 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 642.25 m 279.75 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.75 642.25 m 283.75 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.75 642.25 m 320.75 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 320.75 642.25 m 324.75 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.75 642.25 m 361.75 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.75 642.25 m 365.75 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.75 642.25 m 402.75 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.75 642.25 m 406.75 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.75 642.25 m 443.75 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.75 628.25 m 238.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.75 628.25 m 242.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 628.25 m 279.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.75 628.25 m 283.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.75 628.25 m 320.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.75 628.25 m 361.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.75 628.25 m 365.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.75 628.25 m 402.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.75 628.25 m 406.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.75 628.25 m 443.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.75 628.25 m 484.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.75 628.25 m 488.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.75 628.25 m 525.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.75 628.25 m 529.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.75 628.25 m 566.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.75 628.25 m 238.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.75 614.25 m 238.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.75 628.25 m 242.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 628.25 m 279.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 614.25 m 279.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.75 628.25 m 283.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.75 628.25 m 320.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.75 614.25 m 320.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.75 628.25 m 361.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.75 614.25 m 361.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.75 628.25 m 365.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.75 628.25 m 402.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.75 614.25 m 402.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.75 628.25 m 406.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.75 628.25 m 443.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.75 614.25 m 443.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.75 628.25 m 484.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.75 614.25 m 484.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.75 628.25 m 488.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.75 628.25 m 525.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.75 614.25 m 525.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.75 628.25 m 529.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.75 628.25 m 566.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.75 614.25 m 566.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.75 600.25 m 238.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.75 600.25 m 242.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 600.25 m 279.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.75 600.25 m 283.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.75 600.25 m 320.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 320.75 600.25 m 324.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.75 600.25 m 361.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.75 600.25 m 365.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.75 600.25 m 402.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.75 600.25 m 406.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.75 600.25 m 443.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.75 600.25 m 447.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.75 600.25 m 484.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.75 600.25 m 488.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.75 600.25 m 525.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.75 600.25 m 529.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.75 600.25 m 566.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.75 600.25 m 238.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.75 600.25 m 242.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 600.25 m 279.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.75 600.25 m 283.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.75 600.25 m 320.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 320.75 600.25 m 324.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.75 600.25 m 361.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.75 600.25 m 365.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.75 600.25 m 402.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.75 600.25 m 406.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.75 600.25 m 443.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.75 600.25 m 447.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.75 600.25 m 484.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.75 600.25 m 488.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.75 600.25 m 525.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.75 600.25 m 529.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.75 600.25 m 566.75 600.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.75 502.25 m 238.75 502.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.75 489.25 m 238.75 489.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.75 487.25 m 238.75 487.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 502.25 m 279.75 502.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 489.25 m 279.75 489.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.75 487.25 m 279.75 487.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.75 502.25 m 320.75 502.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.75 489.25 m 320.75 489.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.75 487.25 m 320.75 487.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.75 502.25 m 361.75 502.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.75 489.25 m 361.75 489.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.75 487.25 m 361.75 487.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.75 502.25 m 402.75 502.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.75 489.25 m 402.75 489.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.75 487.25 m 402.75 487.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.75 502.25 m 443.75 502.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.75 489.25 m 443.75 489.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.75 487.25 m 443.75 487.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.75 502.25 m 484.75 502.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.75 489.25 m 484.75 489.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.75 487.25 m 484.75 487.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.75 502.25 m 525.75 502.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.75 489.25 m 525.75 489.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.75 487.25 m 525.75 487.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.75 502.25 m 566.75 502.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.75 489.25 m 566.75 489.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.75 487.25 m 566.75 487.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.75 646.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.50 646.82 Td (Pension Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.75 646.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.75 646.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.75 632.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.75 632.82 Td (U.S. Plans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.85 632.82 Td (U.K. Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.95 632.82 Td (OPEB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.75 618.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.75 618.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.75 618.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.75 618.82 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.75 618.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.75 618.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.75 618.82 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.75 618.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.75 618.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.75 618.82 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.60 604.82 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 590.82 Td (Service Cost) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.25 590.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.40 590.82 Td (9.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.25 590.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.40 590.82 Td (7.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.25 590.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.40 590.82 Td (7.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.25 590.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 590.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.25 590.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.90 590.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.25 590.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.90 590.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.25 590.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.90 590.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.25 590.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.90 590.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.25 590.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.90 590.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 576.82 Td (Interest Cost) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.35 576.82 Td (79.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.35 576.82 Td (84.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.35 576.82 Td (85.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.40 576.82 Td (5.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.40 576.82 Td (6.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.40 576.82 Td (7.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.40 576.82 Td (4.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.40 576.82 Td (5.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 576.82 Td (7.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 562.82 Td (Expected Return on Plan ) Tj ET Q q 0 0 0 rg BT 153.17 562.82 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.05 562.82 Td (\(104.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.90 562.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.05 562.82 Td (\(103.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.90 562.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.05 562.87 Td (\(102.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.90 562.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.05 562.87 Td (\(8.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.90 562.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.05 562.87 Td (\(8.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.90 562.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.05 562.87 Td (\(10.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.90 562.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.05 562.87 Td (\(0.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.90 562.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.05 562.87 Td (\(0.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.90 562.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.05 562.82 Td (\(0.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 562.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 548.82 Td (Amortization of:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 534.82 Td ( Net ) Tj ET Q q 0 0 0 rg BT 75.41 534.82 Td (Actuarial Loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.35 534.82 Td (21.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.35 534.82 Td (19.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.35 534.82 Td (16.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.40 534.82 Td (0.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.40 534.82 Td (0.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.40 534.82 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.90 534.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.90 534.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.90 534.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 520.82 Td ( Prior Service Credit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.90 520.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.05 520.82 Td (\(0.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.90 520.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.05 520.87 Td (\(0.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.90 520.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 520.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.90 520.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.90 520.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.05 520.87 Td (\(0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.90 520.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.05 520.87 Td (\(0.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.90 520.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.05 520.82 Td (\(0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 520.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 506.82 Td (Plan ) Tj ET Q q 0 0 0 rg BT 71.25 506.82 Td (Amendment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.90 506.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.90 506.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.90 506.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 506.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.90 506.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.90 506.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.90 506.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.90 506.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 506.82 Td (0.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 492.82 Td (T) Tj ET Q q 0 0 0 rg BT 56.66 492.82 Td (otal Net Periodic Benefit Cost) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.25 492.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.40 492.82 Td (6.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.25 492.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.40 492.82 Td (8.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.25 492.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.40 492.82 Td (5.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.25 492.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.05 492.87 Td (\(2.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.90 492.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.25 492.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.05 492.87 Td (\(1.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.90 492.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.25 492.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.05 492.87 Td (\(2.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.90 492.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.25 492.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.40 492.82 Td (4.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.25 492.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.40 492.82 Td (4.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.25 492.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 492.82 Td (7.3) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 464.75 Td (The service cost component of net periodic pension and postretirement benefit cost is included as a component of compensation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 452.75 Td (expense in our consolidated statements of income. ) Tj ET Q q 0 0 0 rg BT 255.28 452.75 Td (All other components of net periodic pension and postretirement benefit cost ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 440.75 Td (are included in other expenses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 416.75 Td (A) Tj ET Q q 0 0 0 rg BT 56.17 416.75 Td ( one percent increase or decrease in the assumed health care cost trend rate at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.40 416.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.98 416.75 Td ( would have increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 404.75 Td (\(decreased\) the service cost and interest cost by a de minimis amount, respectively) Tj ET Q q 0 0 0 rg BT 379.01 404.75 Td (, and the postretirement benefit obligation by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 392.75 Td ($0.6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.39 392.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 117.83 392.75 Td ($\(0.5\) million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.38 392.75 Td (, respectively) Tj ET Q q 0 0 0 rg BT 226.04 392.75 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 368.75 Td (The unrecognized net actuarial loss and the prior service credit included in accumulated other comprehensive income and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 356.75 Td (expected to be amortized and included in net periodic pension cost during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.19 356.75 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.19 356.75 Td ( is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.86 356.75 Td ($18.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.75 356.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.19 356.75 Td ($0.2 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.08 356.75 Td ( before tax, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 344.75 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.16 344.75 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 320.75 Td (Benefit Payments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 296.75 Td (The following table provides expected benefit payments, which reflect expected future service, as appropriate. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 218.25 113.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 162.25 218.25 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.25 218.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.25 218.25 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.25 218.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.25 218.25 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.25 218.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.25 218.25 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.25 218.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.25 218.25 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 190.25 113.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 162.25 190.25 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.25 190.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.25 190.25 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.25 190.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.25 190.25 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.25 190.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.25 190.25 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.25 190.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.25 190.25 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 162.25 113.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 162.25 162.25 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.25 162.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.25 162.25 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.25 162.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.25 162.25 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.25 162.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.25 162.25 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.25 162.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.25 162.25 78.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 162.25 272.25 m 240.25 272.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.25 272.25 m 244.25 272.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.25 272.25 m 321.25 272.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 162.25 258.25 m 240.25 258.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.25 258.25 m 321.25 258.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.25 258.25 m 403.25 258.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.25 258.25 m 407.25 258.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.25 258.25 m 484.25 258.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.25 258.25 m 488.25 258.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.25 258.25 m 566.25 258.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 162.25 244.25 m 240.25 244.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.25 244.25 m 244.25 244.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.25 244.25 m 321.25 244.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.25 244.25 m 325.25 244.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.25 244.25 m 403.25 244.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.25 244.25 m 407.25 244.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.25 244.25 m 484.25 244.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.25 244.25 m 488.25 244.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.25 244.25 m 566.25 244.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 218.25 m 162.25 218.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.25 218.25 m 403.25 218.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.25 218.25 m 484.25 218.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.25 218.25 m 566.25 218.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 276.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.50 276.82 Td (Pension Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.75 276.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.75 276.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 262.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.75 262.82 Td (U.S. Plans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.35 262.82 Td (U.K. Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.45 262.82 Td (OPEB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 248.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.60 248.82 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 222.92 Td (Y) Tj ET Q q 0 0 0 rg BT 102.72 222.92 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.05 222.92 Td (Gross) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.10 232.92 Td (Subsidy) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.80 222.92 Td (Payments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.50 222.92 Td (Net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.25 208.82 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.75 208.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.90 208.82 Td (77.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.75 208.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.90 208.82 Td (5.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.75 208.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.90 208.82 Td (12.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.75 208.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.90 208.82 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.75 208.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 208.82 Td (1) Tj ET Q q 0 0 0 rg BT 549.90 208.82 Td (1.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.25 194.82 Td (2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.90 194.82 Td (80.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.90 194.82 Td (5.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.90 194.82 Td (1) Tj ET Q q 0 0 0 rg BT 386.90 194.82 Td (1.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.90 194.82 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 194.82 Td (1) Tj ET Q q 0 0 0 rg BT 549.90 194.82 Td (1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.25 180.82 Td (2021) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.90 180.82 Td (83.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.90 180.82 Td (5.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.90 180.82 Td (1) Tj ET Q q 0 0 0 rg BT 386.90 180.82 Td (1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.90 180.82 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 180.82 Td (1) Tj ET Q q 0 0 0 rg BT 549.90 180.82 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.25 166.82 Td (2022) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.90 166.82 Td (87.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.90 166.82 Td (5.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.90 166.82 Td (10.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.90 166.82 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 166.82 Td (10.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.25 152.82 Td (2023) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.90 152.82 Td (90.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.90 152.82 Td (6.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.90 152.82 Td (10.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.90 152.82 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 152.82 Td (10.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 83.55 138.82 Td (2024-2028) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.90 138.82 Td (513.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.90 138.82 Td (39.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.90 138.82 Td (43.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.90 138.82 Td (0.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 138.82 Td (43.3) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 353 0 obj <> endobj 354 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 9 - Employee Benefit Plans - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (172) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 690.75 Td (Funding Policy) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.75 Td (The funding policy for our U.S. qualified defined benefit plan is to contribute annually an amount at least equal to the minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.75 Td (annual contribution required under ERISA) Tj ET Q q 0 0 0 rg BT 219.46 654.75 Td ( and other applicable laws, but generally not greater than the maximum amount that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.75 Td (can be deducted for federal income tax purposes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.34 642.75 Td (W) Tj ET Q q 0 0 0 rg BT 258.98 642.75 Td (e had no regulatory contribution requirements for our U.S. qualified defined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.75 Td (benefit plan in 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.76 630.75 Td ( and made a de minimis amount of voluntary contributions during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.54 630.75 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 415.54 630.75 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.04 630.75 Td (W) Tj ET Q q 0 0 0 rg BT 431.68 630.75 Td (e do not expect to make any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.75 Td (contributions in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.05 618.75 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.05 618.75 Td (. ) Tj ET Q q 0 0 0 rg BT 142.37 618.75 Td (The funding policy for our U.S. non-qualified defined benefit pension plan is to contribute the amount of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 606.75 Td (the benefit payments made during the year) Tj ET Q q 0 0 0 rg BT 219.44 606.75 Td (. Our expected return on plan assets and discount rate will not af) Tj ET Q q 0 0 0 rg BT 479.18 606.75 Td (fect the cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 594.75 Td (contributions we are required to make to our U.S. pension plan because such contributions are determined under the minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.75 Td (funding requirements as set forth in ERISA. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 558.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 558.75 Td (e made ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.23 558.75 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.23 558.75 Td ( contributions to our U.K. plan during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.38 558.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.38 558.75 Td (, nor do we expect to make any contributions in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.39 558.75 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.39 558.75 Td (, either voluntary or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.75 Td (those required to meet the minimum funding requirements under U.K. legislation. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.75 Td (Our OPEB plan represents a non-vested, non-guaranteed obligation, and current regulations do not require specific funding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.75 Td (levels for these benefits, which are comprised of retiree life, medical, and dental benefits. It is our practice to use general ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 498.75 Td (assets to pay medical and dental claims as they come due in lieu of utilizing plan assets for the medical and dental benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 486.75 Td (portions of our OPEB plan.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 462.75 Td (Defined Contribution Plans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 438.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 438.75 Td (e of) Tj ET Q q 0 0 0 rg BT 73.23 438.75 Td (fer a 401\(k\) plan to all eligible U.S. employees under which a portion of employee contributions is matched. ) Tj ET Q q 0 0 0 rg BT 511.82 438.75 Td (W) Tj ET Q q 0 0 0 rg BT 520.46 438.75 Td (e match ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 426.75 Td (dollar) Tj ET Q q 0 0 0 rg BT 72.63 426.75 Td (-for) Tj ET Q q 0 0 0 rg BT 87.42 426.75 Td (-dollar up to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.35 426.75 Td (5.0 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.77 426.75 Td ( of base salary and any recognized sales and performance-based incentive compensation for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.75 Td (employee contributions into the plan. ) Tj ET Q q 0 0 0 rg BT 203.46 414.75 Td (W) Tj ET Q q 0 0 0 rg BT 212.09 414.75 Td (e also make an additional non-elective contribution of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.35 414.75 Td (4.5 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.78 414.75 Td ( of earnings for all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 402.75 Td (eligible employees and a separate transition contribution for eligible employees who met certain age and years of service criteria ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.75 Td (as of December 31, 2013. ) Tj ET Q q 0 0 0 rg BT 157.06 390.75 Td (The 401\(k\) plan remains in compliance with ERISA) Tj ET Q q 0 0 0 rg BT 365.63 390.75 Td ( guidelines and continues to qualify for a safe ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 378.75 Td (harbor from annual discrimination testing.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 354.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 354.75 Td (e also of) Tj ET Q q 0 0 0 rg BT 91.83 354.75 Td (fer a defined contribution plan to all eligible U.K. employees under which a portion of employee contributions is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 342.75 Td (matched. ) Tj ET Q q 0 0 0 rg BT 90.69 342.75 Td (W) Tj ET Q q 0 0 0 rg BT 99.33 342.75 Td (e match ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.20 342.75 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.20 342.75 Td ( pounds for every one pound on the first ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.22 342.75 Td (1.0 percent) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 355.65 342.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 358.15 342.75 Td (of employee contributions into the plan and match ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 330.75 Td (additional employee contributions pound-for) Tj ET Q q 0 0 0 rg BT 228.43 330.75 Td (-pound up to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.03 330.75 Td (5.0 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.46 330.75 Td ( of base salary) Tj ET Q q 0 0 0 rg BT 383.28 330.75 Td (. ) Tj ET Q q 0 0 0 rg BT 390.60 330.75 Td (W) Tj ET Q q 0 0 0 rg BT 399.24 330.75 Td (e also make an additional non-elective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 318.75 Td (contribution of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.71 318.75 Td (6.0 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.14 318.75 Td ( of base salary for all eligible employees who met certain age and years of service criteria as of March ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 306.75 Td (31, 2016.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 282.75 Td (During the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.02 282.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.61 282.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.61 282.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.61 282.75 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.54 282.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.54 282.75 Td (, we recognized costs of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.40 282.75 Td ($72.7 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.29 282.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.29 282.75 Td ($78.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.18 282.75 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.12 282.75 Td ($72.2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 270.75 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 270.75 Td (, respectively) Tj ET Q q 0 0 0 rg BT 131.05 270.75 Td (, for our U.S. defined contribution plan. ) Tj ET Q q 0 0 0 rg BT 294.73 270.75 Td (W) Tj ET Q q 0 0 0 rg BT 303.37 270.75 Td (e recognized costs of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.00 270.75 Td ($4.2 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.89 270.75 Td ( in both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.95 270.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.95 270.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.38 270.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.38 270.75 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 258.75 Td ($4.9 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.39 258.75 Td ( in 2016 for our U.K. defined contribution plan.) Tj ET Q endstream endobj 355 0 obj <> endobj 356 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 10 - Stockholders' Equity and Earnings Per) Tj ET Q q 0 0 0 rg BT 257.89 712.75 Td ( Common Shar) Tj ET Q q 0 0 0 rg BT 322.71 712.75 Td (e) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (173) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 690.75 Td (Earnings Per Common Share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.75 Td (Net income per common share is determined as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 614.25 300.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 614.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.00 614.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 614.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.00 614.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 614.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 586.25 300.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 586.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.00 586.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 586.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.00 586.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 586.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 558.25 300.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 558.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.00 558.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 558.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.00 558.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 558.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 518.25 300.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 518.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.00 518.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 518.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.00 518.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 518.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 490.25 300.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 490.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.00 490.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 490.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.00 490.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 490.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 462.25 300.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 462.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.00 462.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 462.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.00 462.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 462.25 70.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 642.25 m 420 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420 642.25 m 424 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 642.25 m 494 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494 642.25 m 498 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 642.25 m 568 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 628.25 m 420 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 628.25 m 494 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 628.25 m 568 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 614.25 m 420 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420 614.25 m 424 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 614.25 m 494 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494 614.25 m 498 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 614.25 m 568 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 587.25 m 420 587.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 585.25 m 420 585.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 587.25 m 494 587.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 585.25 m 494 585.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 587.25 m 568 587.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 585.25 m 568 585.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 518.25 m 420 518.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 518.25 m 494 518.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 518.25 m 568 518.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 505.25 m 420 505.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 503.25 m 420 503.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 505.25 m 494 505.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424 503.25 m 494 503.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 505.25 m 568 505.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 503.25 m 568 503.25 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 646.50 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.20 646.82 Td (Y) Tj ET Q q 0 0 0 rg BT 413.92 646.82 Td (ear Ended December 31) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 632.50 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.50 632.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.50 632.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.50 632.82 Td (2016) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 618.50 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.40 618.82 Td (\(in millions of dollars, except share data\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 604.82 Td (Numerator) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 590.98 Td (Net Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.50 590.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.65 590.82 Td (523.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.50 590.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 590.82 Td (994.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.50 590.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 590.82 Td (931.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 562.82 Td (Denominator \(000s\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 548.82 Td (W) Tj ET Q q 0 0 0 rg BT 67.54 548.82 Td (eighted ) Tj ET Q q 0 0 0 rg BT 98.80 548.82 Td (A) Tj ET Q q 0 0 0 rg BT 105.37 548.82 Td (verage Common Shares - Basic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.15 548.82 Td (219,635.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 548.82 Td (226,492.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.15 548.82 Td (235,445.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 534.82 Td (Dilution for ) Tj ET Q q 0 0 0 rg BT 108.22 534.82 Td (Assumed Exercises of Stock Options and Nonvested Stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 524.82 Td (A) Tj ET Q q 0 0 0 rg BT 65.26 524.82 Td (wards) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.65 522.92 Td (423.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 522.92 Td (842.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.65 522.92 Td (533.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 508.98 Td (W) Tj ET Q q 0 0 0 rg BT 67.95 508.98 Td (eighted ) Tj ET Q q 0 0 0 rg BT 101.00 508.98 Td (A) Tj ET Q q 0 0 0 rg BT 107.48 508.98 Td (verage Common Shar) Tj ET Q q 0 0 0 rg BT 200.62 508.98 Td (es - ) Tj ET Q q 0 0 0 rg BT 216.73 508.98 Td (Assuming Dilution) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.15 508.82 Td (220,058.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.15 508.82 Td (227,335.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.15 508.82 Td (235,979.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 480.82 Td (Net Income Per Common Share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 466.82 Td (Basic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.50 466.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.65 466.82 Td (2.38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.50 466.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 466.82 Td (4.39) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.50 466.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 466.82 Td (3.96) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 452.82 Td (Assuming Dilution) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.50 452.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.65 452.82 Td (2.38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.50 452.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 452.82 Td (4.37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.50 452.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 452.82 Td (3.95) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 424.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 424.75 Td (e use the treasury stock method to account for the ef) Tj ET Q q 0 0 0 rg BT 266.77 424.75 Td (fect of outstanding stock options, nonvested restricted stock units, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 412.75 Td (nonvested performance share units on the computation of diluted earnings per share. Under this method, these potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 400.75 Td (common shares will each have a dilutive ef) Tj ET Q q 0 0 0 rg BT 222.31 400.75 Td (fect, as individually measured, when the average market price of Unum Group ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 388.75 Td (common stock during the period exceeds the exercise price of the stock options and the grant price of the nonvested restricted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 376.75 Td (stock units and the nonvested performance share units. ) Tj ET Q q 0 0 0 rg BT 273.15 376.75 Td (The outstanding stock options have exercise prices ranging from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.91 376.75 Td ($23.35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 561.41 376.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 364.75 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.78 364.75 Td ($26.29) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.28 364.75 Td (; the nonvested restricted stock units have grant prices ranging from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.37 364.75 Td ($27.85) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.87 364.75 Td ( to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.64 364.75 Td ($55.26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.14 364.75 Td (; and the nonvested performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 352.75 Td (share units have grant prices ranging from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.83 352.75 Td ($27.85) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.33 352.75 Td ( to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.11 352.75 Td ($49.86) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.61 352.75 Td (. See Note 1) Tj ET Q q 0 0 0 rg BT 339.62 352.75 Td (1.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 328.75 Td (In computing earnings per share assuming dilution, only potential common shares that are dilutive \(those that reduce earnings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 316.75 Td (per share\) are included. Potential common shares not included in the computation of diluted earnings per share because the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 304.75 Td (impact would be antidilutive, based on then current market prices, approximated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.12 304.75 Td (0.6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.01 304.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.01 304.75 Td (0.3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.90 304.75 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.84 304.75 Td (0.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.73 304.75 Td ( for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 292.75 Td (years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.48 292.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.06 292.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.06 292.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.06 292.75 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.00 292.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.00 292.75 Td (, respectively) Tj ET Q q 0 0 0 rg BT 297.66 292.75 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 268.75 Td (Common Stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 244.75 Td (Our board of directors has authorized the repurchase of Unum Group's common stock under the following repurchase programs: ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 192.25 300.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.75 192.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 192.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.75 192.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.75 192.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 192.25 70.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 220.25 m 418.75 220.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 220.25 m 422.75 220.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 220.25 m 492.75 220.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.75 220.25 m 496.75 220.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 220.25 m 566.75 220.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 220.25 m 418.75 220.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 206.25 m 418.75 206.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 220.25 m 422.75 220.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 220.25 m 492.75 220.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 206.25 m 492.75 206.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.75 220.25 m 496.75 220.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 220.25 m 566.75 220.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 206.25 m 566.75 206.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 192.25 m 418.75 192.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 192.25 m 422.75 192.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 192.25 m 492.75 192.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.75 192.25 m 496.75 192.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 192.25 m 566.75 192.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 192.25 m 418.75 192.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 192.25 m 492.75 192.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 192.25 m 566.75 192.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.90 224.82 Td (Share Repurchase Program ) Tj ET Q q 0 0 0 rg BT 474.98 224.82 Td (Authorized During) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.80 210.82 Td (May 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.80 210.82 Td (May 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.80 210.82 Td (May 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.10 196.82 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 182.82 Td (Authorized Repurchase ) Tj ET Q q 0 0 0 rg BT 147.60 182.82 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.25 182.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.40 182.82 Td (750.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.25 182.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.40 182.82 Td (750.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.25 182.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 182.82 Td (750.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 168.82 Td (Remaining Repurchase ) Tj ET Q q 0 0 0 rg BT 146.23 168.82 Td (Amount at ) Tj ET Q q 0 0 0 rg BT 190.85 168.82 Td (Y) Tj ET Q q 0 0 0 rg BT 197.07 168.82 Td (ear End 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.25 168.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.40 168.82 Td (500.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.25 168.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.90 168.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.25 168.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.90 168.82 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 140.75 Td (The May 2018 share repurchase program has an expiration date of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.45 140.75 Td (November24, 2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.16 140.75 Td (.) Tj ET Q endstream endobj 357 0 obj <> endobj 358 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 10 - Stockholders' Equity and Earnings Per) Tj ET Q q 0 0 0 rg BT 257.89 712.75 Td ( Common Shar) Tj ET Q q 0 0 0 rg BT 322.71 712.75 Td (e - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (174) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (Common stock repurchases, which are accounted for using the cost method and classified as treasury stock until otherwise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (retired, were as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 626.10 300.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.75 626.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 626.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.75 626.10 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.75 626.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 626.10 70.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 654.1 m 418.75 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 654.1 m 422.75 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 654.1 m 492.75 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.75 654.1 m 496.75 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 654.1 m 566.75 654.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 640.1 m 418.75 640.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 640.1 m 492.75 640.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 640.1 m 566.75 640.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 626.1 m 418.75 626.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 626.1 m 422.75 626.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 626.1 m 492.75 626.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.75 626.1 m 496.75 626.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 626.1 m 566.75 626.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.95 658.67 Td (Y) Tj ET Q q 0 0 0 rg BT 412.67 658.67 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.25 644.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.25 644.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.25 644.67 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.35 630.67 Td (\(in millions\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 616.67 Td (Shares Repurchased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.40 616.67 Td (8.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.40 616.67 Td (8.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 616.67 Td (1) Tj ET Q q 0 0 0 rg BT 550.40 616.67 Td (1.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 602.67 Td (Cost of Shares Repurchased \(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.25 602.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.40 602.67 Td (350.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.25 602.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.40 602.67 Td (400.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.25 602.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 602.67 Td (403.3) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.60 Td (\(1\) Includes commissions of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.59 574.60 Td ($0.7 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.49 574.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.49 574.60 Td ($0.3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.38 574.60 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.32 574.60 Td ($0.2 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.21 574.60 Td ( for the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.56 574.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.14 574.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.14 574.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.14 574.60 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 562.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 122.16 562.60 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 538.60 Td (Preferred Stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.60 Td (Unum Group has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.88 514.60 Td (25.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.77 514.60 Td ( shares of preferred stock authorized with a par value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.51 514.60 Td ($0.10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.01 514.60 Td ( per share. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.38 514.60 Td (No) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.60 514.60 Td ( preferred stock has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.60 Td (been issued to date.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 478.60 Td (Note 1) Tj ET Q q 0 0 0 rg BT 76.44 478.60 Td (1 - Stock-Based Compensation) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 454.60 Td (Description of Stock Plans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.60 Td (Under the Stock Incentive Plan of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.80 430.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.80 430.60 Td ( \(the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.34 430.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.34 430.60 Td ( Plan\), up to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.73 430.60 Td (17 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.12 430.60 Td ( shares of common stock are available for awards to our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.60 Td (employees, of) Tj ET Q q 0 0 0 rg BT 105.41 418.60 Td (ficers, consultants, and directors. ) Tj ET Q q 0 0 0 rg BT 241.49 418.60 Td (A) Tj ET Q q 0 0 0 rg BT 247.79 418.60 Td (wards may be in the form of stock options, stock appreciation rights, restricted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 406.60 Td (stock, restricted stock units, performance share units, and other stock-based awards. Each full-value award, defined as any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.60 Td (award other than a stock option or stock appreciation right, is counted as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.20 394.60 Td (1.76) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.70 394.60 Td ( shares. ) Tj ET Q q 0 0 0 rg BT 394.50 394.60 Td (The exercise price for stock options issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.60 Td (cannot be less than the fair value of the underlying common stock as of the grant date. Stock options generally have a term of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.60 Td (eight) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 370.60 Td ( years after the date of grant and fully vest after ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.91 370.60 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.89 370.60 Td ( years. ) Tj ET Q q 0 0 0 rg BT 312.44 370.60 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.94 370.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.52 370.60 Td (, approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.78 370.60 Td (15.7 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.67 370.60 Td ( shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 358.60 Td (were available for future grants under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.48 358.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.48 358.60 Td ( Plan.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 334.60 Td (Under the Stock Incentive Plan of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.80 334.60 Td (2012) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.80 334.60 Td ( \(the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.34 334.60 Td (2012) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.34 334.60 Td ( Plan\), which was terminated in May ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.31 334.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.31 334.60 Td ( for the purposes of any further ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 322.60 Td (grants, up to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.72 322.60 Td (20 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.11 322.60 Td ( shares of common stock were available for awards to our employees, of) Tj ET Q q 0 0 0 rg BT 432.55 322.60 Td (ficers, consultants, and directors. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.60 Td (A) Tj ET Q q 0 0 0 rg BT 55.80 310.60 Td (wards could be in the form of stock options, stock appreciation rights, restricted stock, restricted stock units, performance share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 298.60 Td (units, and other stock-based awards. Each full-value award, defined as any award other than a stock option or stock appreciation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 286.60 Td (right, is counted as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.54 286.60 Td (1.76) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.04 286.60 Td ( shares. ) Tj ET Q q 0 0 0 rg BT 179.48 286.60 Td (A) Tj ET Q q 0 0 0 rg BT 185.78 286.60 Td (wards granted before the termination of the 2012 Plan remain outstanding in accordance with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 274.60 Td (the plan's terms. Stock options generally have a term of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.24 274.60 Td (eight) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.24 274.60 Td ( years after the date of grant and fully vest after ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 274.60 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.64 274.60 Td ( years. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 250.60 Td (Under the Stock Incentive Plan of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.80 250.60 Td (2007) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.80 250.60 Td ( \(the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.34 250.60 Td (2007) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.34 250.60 Td ( Plan\), which was terminated in May 2012 for purposes of any further grants, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.60 Td (up to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.28 238.60 Td (35 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.67 238.60 Td ( shares of common stock were available for awards to our employees, of) Tj ET Q q 0 0 0 rg BT 403.11 238.60 Td (ficers, consultants, and directors. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 226.60 Td (A) Tj ET Q q 0 0 0 rg BT 55.80 226.60 Td (wards could be in the form of stock options, stock appreciation rights, restricted stock, restricted stock units, performance share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 214.60 Td (units, and other stock-based awards. Each full-value award, defined as any award other than a stock option or stock appreciation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.60 Td (right, is counted as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.54 202.60 Td (2.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.04 202.60 Td ( shares. ) Tj ET Q q 0 0 0 rg BT 174.48 202.60 Td (A) Tj ET Q q 0 0 0 rg BT 180.78 202.60 Td (wards granted before the termination of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.55 202.60 Td (2007) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.55 202.60 Td ( Plan remain outstanding in accordance with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 190.60 Td (the plan's terms. Stock options generally have a term of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.24 190.60 Td (eight) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.24 190.60 Td ( years after the date of grant and fully vest after ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 190.60 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.64 190.60 Td ( years. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 166.60 Td (e issue new shares of common stock for all of our stock plan vestings and exercises. ) Tj ET Q endstream endobj 359 0 obj <> endobj 360 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 1) Tj ET Q q 0 0 0 rg BT 76.94 712.75 Td (1 - Stock-Based Compensation - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (175) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 690.75 Td (Performance Share Units \(PSUs\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.75 Td (Activity for PSUs classified as equity is as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 614.25 334.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.75 614.25 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.75 614.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.75 614.25 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 586.25 334.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.75 586.25 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.75 586.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.75 586.25 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 558.25 334.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.75 558.25 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.75 558.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.75 558.25 90.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 614.25 m 472.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.75 614.25 m 566.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 558.25 m 472.75 558.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 545.25 m 472.75 545.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 543.25 m 472.75 543.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 646.82 Td (W) Tj ET Q q 0 0 0 rg BT 493.69 646.82 Td (eighted ) Tj ET Q q 0 0 0 rg BT 524.95 646.82 Td (A) Tj ET Q q 0 0 0 rg BT 531.52 646.82 Td (verage) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.90 632.82 Td (Shares) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.15 632.82 Td (Grant Date) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.45 618.82 Td (\(000s\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.65 618.82 Td (Fair ) Tj ET Q q 0 0 0 rg BT 519.08 618.82 Td (V) Tj ET Q q 0 0 0 rg BT 525.19 618.82 Td (alue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 604.93 Td (Outstanding at December) Tj ET Q q 0 0 0 rg BT 161.06 604.93 Td ( 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.90 604.82 Td (331) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.25 604.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 604.82 Td (37.62) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 590.82 Td (Granted) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.90 590.82 Td (255) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 590.82 Td (44.19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 576.82 Td (V) Tj ET Q q 0 0 0 rg BT 63.92 576.82 Td (ested) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.55 576.87 Td (\(301) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.90 576.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 576.82 Td (30.18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 562.82 Td (Forfeited) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.55 562.87 Td (\(2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.90 562.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 562.82 Td (46.79) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 548.93 Td (Outstanding at December) Tj ET Q q 0 0 0 rg BT 161.06 548.93 Td ( 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.90 548.82 Td (283) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 548.82 Td (51.33) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 520.75 Td (During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.33 520.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.33 520.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.33 520.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.33 520.75 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.27 520.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.27 520.75 Td (, we issued PSUs with a weighted average grant date fair value per share of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.05 520.75 Td ($44.19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.55 520.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.55 520.75 Td ($51.37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.05 520.75 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 508.75 Td ($28.41) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.00 508.75 Td (, respectively) Tj ET Q q 0 0 0 rg BT 129.66 508.75 Td (. ) Tj ET Q q 0 0 0 rg BT 136.98 508.75 Td (V) Tj ET Q q 0 0 0 rg BT 143.09 508.75 Td (esting for the PSUs occurs at the end of a three-year period and is contingent upon our achievement of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 496.75 Td (prospective company performance goals and our total shareholder return relative to a board-approved peer group during the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 484.75 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.49 484.75 Td (-year period. ) Tj ET Q q 0 0 0 rg BT 125.02 484.75 Td (Actual perform) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 186.38 491.68 366.82 -9.09 re f /GS0 gs q 0 0 0 rg BT 186.38 484.75 Td (ance, including modification for relative total shareholder return, may result in the ultimate ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 49.50 479.68 37.76 -9.09 re f /GS0 gs q 0 0 0 rg BT 49.50 472.75 Td (award of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.26 472.75 Td (40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.26 472.75 Td ( to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.04 472.75 Td (180 percent) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 156.96 479.68 402.96 -9.09 re f /GS0 gs q 0 0 0 rg BT 156.96 472.75 Td ( of the initial number of PSUs issued, with the potential for no award if company performance goals ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 49.50 467.68 182.41 -9.09 re f /GS0 gs q 0 0 0 rg BT 49.50 460.75 Td (are not achieved during the three-year period.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.91 460.75 Td ( Forfeitable dividend equivalents on PSUs are accrued in the form of additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 448.75 Td (PSUs. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 424.75 Td (PSU shares in the preceding table represent aggregate initial tar) Tj ET Q q 0 0 0 rg BT 303.39 424.75 Td (get awards and accrued dividend equivalents and do not reflect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 412.75 Td (potential increases or decreases resulting from the application of the performance factor determined after the end of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 400.75 Td (performance periods. ) Tj ET Q q 0 0 0 rg BT 138.91 400.75 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.41 400.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.99 400.75 Td (, the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.71 400.75 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.70 400.75 Td (-year performance period for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.68 400.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.68 400.75 Td ( PSU grant was completed and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 388.75 Td (related shares vested, but the performance factor had not yet been applied. ) Tj ET Q q 0 0 0 rg BT 351.14 388.75 Td (The performance factor will be applied during the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 376.75 Td (first quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.75 376.75 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.75 376.75 Td (, with distribution of the stock thereafter) Tj ET Q q 0 0 0 rg BT 290.55 376.75 Td (. Granted and vested amounts in the preceding table also include the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 364.75 Td (additional shares awarded as a result of the application of the performance factor to the 2015 PSU grant, which occurred during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 352.75 Td (the first quarter of 2018. ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 49.50 335.68 12.50 -9.09 re f /GS0 gs q 0 0 0 rg BT 49.50 328.75 Td (At ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 62.00 335.68 78.58 -9.09 re f /GS0 gs q 0 0 0 rg BT 62.00 328.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 140.58 335.68 12.22 -9.09 re f /GS0 gs q 0 0 0 rg BT 140.58 328.75 Td (, w) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.81 328.75 Td (e had approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.94 328.75 Td ($5.9 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.83 328.75 Td ( of unrecognized compensation cost related to PSUs that will be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 316.75 Td (recognized over a weighted average period of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.69 316.75 Td (1.6 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.78 316.75 Td (. ) Tj ET Q q 0 0 0 rg BT 278.10 316.75 Td (The estimated compensation expense is adjusted for actual performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 304.75 Td (experience and is recognized ratably during the service period, or remaining service period, if and when it becomes probable that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 292.75 Td (the performance conditions will be satisfied. Compensation cost for PSUs subject to accelerated vesting at the date of retirement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 280.75 Td (eligibility is recognized over the implicit service period.) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 49.50 263.68 343.26 -9.09 re f /GS0 gs q 0 0 0 rg BT 49.50 256.75 Td (The fair value of PSUs is estimated on the date of initial grant using the Monte-Carlo ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.76 256.75 Td (simulation m) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 445.26 263.68 116.66 -9.09 re f /GS0 gs q 0 0 0 rg BT 445.26 256.75 Td (odel. Key assumptions used ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 49.50 251.68 245.51 -9.09 re f /GS0 gs q 0 0 0 rg BT 49.50 244.75 Td (to value PSUs granted during the years shown are as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 206.25 344.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.75 206.25 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.75 206.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.75 206.25 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.75 206.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.75 206.25 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 178.25 344.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.75 178.25 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.75 178.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.75 178.25 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.75 178.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.75 178.25 55.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 220.25 m 447.75 220.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.75 220.25 m 451.75 220.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.75 220.25 m 507.75 220.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.75 220.25 m 511.75 220.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.75 220.25 m 566.75 220.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 220.25 m 447.75 220.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 206.25 m 447.75 206.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.75 220.25 m 507.75 220.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.75 206.25 m 507.75 206.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.75 220.25 m 566.75 220.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.75 206.25 m 566.75 206.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 206.25 m 447.75 206.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.95 224.82 Td (Y) Tj ET Q q 0 0 0 rg BT 434.17 224.82 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.75 210.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.25 210.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.75 210.82 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 196.82 Td (Expected ) Tj ET Q q 0 0 0 rg BT 96.86 196.82 Td (V) Tj ET Q q 0 0 0 rg BT 103.35 196.82 Td (olatility \(based on our and our peer group historical daily stock prices\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.90 196.82 Td (24) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.90 196.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.90 196.82 Td (24) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.90 196.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.90 196.82 Td (22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.90 196.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 182.82 Td (Expected Life \(equals the performance period\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 182.82 Td (3.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.15 182.82 Td (3.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.15 182.82 Td (3.0 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 168.82 Td (Risk Free Interest Rate \(based on U.S. ) Tj ET Q q 0 0 0 rg BT 212.87 168.82 Td (T) Tj ET Q q 0 0 0 rg BT 218.63 168.82 Td (reasury yields at the date of grant\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.40 168.82 Td (2.32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.90 168.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.40 168.82 Td (1.52) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.90 168.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 168.82 Td (0.88) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.90 168.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 361 0 obj <> endobj 362 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 1) Tj ET Q q 0 0 0 rg BT 76.94 712.75 Td (1 - Stock-Based Compensation - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (176) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 690.75 Td (Restricted Stock Units \(RSUs\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.75 Td (Activity for RSUs classified as equity is as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 614.25 334.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.75 614.25 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.75 614.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.75 614.25 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 586.25 334.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.75 586.25 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.75 586.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.75 586.25 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 558.25 334.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.75 558.25 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.75 558.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.75 558.25 90.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 614.25 m 472.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.75 614.25 m 566.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 614.25 m 472.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.75 614.25 m 566.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 558.25 m 472.75 558.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 558.25 m 472.75 558.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 545.25 m 472.75 545.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.75 543.25 m 472.75 543.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 646.82 Td (W) Tj ET Q q 0 0 0 rg BT 493.69 646.82 Td (eighted ) Tj ET Q q 0 0 0 rg BT 524.95 646.82 Td (A) Tj ET Q q 0 0 0 rg BT 531.52 646.82 Td (verage) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.90 632.82 Td (Shares) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.15 632.82 Td (Grant Date) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.45 618.82 Td (\(000s\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.65 618.82 Td (Fair ) Tj ET Q q 0 0 0 rg BT 519.08 618.82 Td (V) Tj ET Q q 0 0 0 rg BT 525.19 618.82 Td (alue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 604.93 Td (Outstanding at December) Tj ET Q q 0 0 0 rg BT 161.06 604.93 Td ( 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.90 604.82 Td (871) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.25 604.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 604.82 Td (38.75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 590.82 Td (Granted) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.90 590.82 Td (496) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 590.82 Td (47.76) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 576.82 Td (V) Tj ET Q q 0 0 0 rg BT 63.92 576.82 Td (ested) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.55 576.87 Td (\(486) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.90 576.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 576.82 Td (37.32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 562.82 Td (Forfeited) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.55 562.87 Td (\(54) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.90 562.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 562.82 Td (44.65) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 548.93 Td (Outstanding at December) Tj ET Q q 0 0 0 rg BT 161.06 548.93 Td ( 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.90 548.82 Td (827) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 548.82 Td (44.62) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 520.75 Td (During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.33 520.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.33 520.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.33 520.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.33 520.75 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.27 520.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.27 520.75 Td (, we issued RSUs with a weighted average grant date fair value per share of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.16 520.75 Td ($47.76) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.66 520.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.66 520.75 Td ($48.92) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.16 520.75 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 508.75 Td ($28.80) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.00 508.75 Td (, respectively) Tj ET Q q 0 0 0 rg BT 129.66 508.75 Td (. RSUs vest over a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.82 508.75 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.26 508.75 Td ( to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.04 508.75 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.02 508.75 Td (-year service period, beginning at the date of grant, and the compensation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 496.75 Td (cost is recognized ratably during the vesting period. Forfeitable dividend equivalents on RSUs are accrued in the form of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 484.75 Td (additional RSUs. Compensation cost for RSUs subject to accelerated vesting at the date of retirement eligibility is recognized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 472.75 Td (over the implicit service period. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 448.75 Td (The total fair value of shares vested during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.33 448.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.33 448.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.33 448.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.33 448.75 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.27 448.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.27 448.75 Td ( was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.82 448.75 Td ($18.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.71 448.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.71 448.75 Td ($13.3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.60 448.75 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.54 448.75 Td ($18.3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.43 448.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 436.75 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.16 436.75 Td (. ) Tj ET Q q 0 0 0 rg BT 104.11 436.75 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.61 436.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.19 436.75 Td (, we had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.29 436.75 Td ($16.5 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.18 436.75 Td ( of unrecognized compensation cost related to RSUs that will be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 424.75 Td (recognized over a weighted average period of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.69 424.75 Td (0.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.19 424.75 Td ( years.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 400.75 Td (Stock Options) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 376.75 Td (Stock option activity is summarized as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 324.25 166.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.75 324.25 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.75 324.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.75 324.25 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.75 324.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.75 324.25 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.75 324.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.75 324.25 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 296.25 166.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.75 296.25 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.75 296.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.75 296.25 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.75 296.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.75 296.25 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.75 296.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.75 296.25 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 268.25 166.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.75 268.25 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.75 268.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.75 268.25 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.75 268.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.75 268.25 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.75 268.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.75 268.25 85.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.75 324.25 m 299.75 324.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.75 324.25 m 388.75 324.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 324.25 m 477.75 324.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.75 324.25 m 566.75 324.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.75 324.25 m 299.75 324.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.75 324.25 m 388.75 324.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.75 324.25 m 477.75 324.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.75 324.25 m 566.75 324.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.75 296.25 m 299.75 296.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.75 283.25 m 299.75 283.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.75 281.25 m 299.75 281.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.80 356.82 Td (Remaining) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.05 356.82 Td (Intrinsic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.40 342.82 Td (Shares) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.15 342.82 Td (W) Tj ET Q q 0 0 0 rg BT 318.19 342.82 Td (eighted ) Tj ET Q q 0 0 0 rg BT 349.45 342.82 Td (A) Tj ET Q q 0 0 0 rg BT 356.02 342.82 Td (verage) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.75 342.82 Td (Contractual ) Tj ET Q q 0 0 0 rg BT 448.81 342.82 Td (T) Tj ET Q q 0 0 0 rg BT 454.48 342.82 Td (erm) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.35 342.82 Td (V) Tj ET Q q 0 0 0 rg BT 519.02 342.82 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.95 328.82 Td (\(000s\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 328.82 Td (Exercise Price) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.70 328.82 Td (\(in years\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.85 328.82 Td (\(in millions\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 314.93 Td (Outstanding at December) Tj ET Q q 0 0 0 rg BT 161.06 314.93 Td ( 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.90 314.82 Td (124) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.25 314.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.40 314.82 Td (23.86) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 300.82 Td (Exercised) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.55 300.82 Td (\(19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.90 300.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.40 300.82 Td (20.78) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 286.93 Td (Outstanding at December) Tj ET Q q 0 0 0 rg BT 161.06 286.93 Td ( 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.90 286.82 Td (105) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.40 286.82 Td (24.41) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.50 286.82 Td (1.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.25 286.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 286.82 Td (0.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 258.93 Td (Exer) Tj ET Q q 0 0 0 rg BT 71.62 258.93 Td (cisable at December) Tj ET Q q 0 0 0 rg BT 156.96 258.93 Td ( 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.90 258.82 Td (105) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.25 258.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.40 258.82 Td (24.41) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.50 258.82 Td (1.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.25 258.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 258.82 Td (0.5) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 230.75 Td (All outstanding stock options at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.22 230.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.80 230.75 Td ( have vested. Stock options vest over a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.77 230.75 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.21 230.75 Td ( to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.98 230.75 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.97 230.75 Td (-year service period, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 218.75 Td (beginning at the date of grant, and the compensation cost is recognized ratably during the vesting period. Compensation cost for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 206.75 Td (stock options subject to accelerated vesting at the date of retirement eligibility is recognized over the implicit service period. ) Tj ET Q q 0 0 0 rg BT 551.83 206.75 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 194.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.08 194.75 Td (, we had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.18 194.75 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.18 194.75 Td ( unrecognized compensation cost related to stock options. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 170.75 Td (The intrinsic value of options exercised and fair value of options vested are as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 118.25 289.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.75 118.25 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.75 118.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.75 118.25 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.75 118.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.75 118.25 74.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.75 146.25 m 411.75 146.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.75 146.25 m 415.75 146.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.75 146.25 m 488.75 146.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.75 146.25 m 492.75 146.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.75 146.25 m 566.75 146.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.75 132.25 m 411.75 132.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.75 132.25 m 488.75 132.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.75 132.25 m 566.75 132.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.75 118.25 m 411.75 118.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.75 118.25 m 415.75 118.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.75 118.25 m 488.75 118.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.75 118.25 m 492.75 118.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.75 118.25 m 566.75 118.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.75 118.25 m 411.75 118.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.45 150.82 Td (Y) Tj ET Q q 0 0 0 rg BT 407.17 150.82 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.25 136.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.75 136.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.25 136.82 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.60 122.82 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 108.82 Td (T) Tj ET Q q 0 0 0 rg BT 57.01 108.82 Td (otal Intrinsic ) Tj ET Q q 0 0 0 rg BT 109.89 108.82 Td (V) Tj ET Q q 0 0 0 rg BT 116.47 108.82 Td (alue of Options Exercised) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.25 108.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.40 108.82 Td (0.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.25 108.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.40 108.82 Td (10.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.25 108.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 108.82 Td (3.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 94.82 Td (T) Tj ET Q q 0 0 0 rg BT 56.66 94.82 Td (otal Fair ) Tj ET Q q 0 0 0 rg BT 92.58 94.82 Td (V) Tj ET Q q 0 0 0 rg BT 98.70 94.82 Td (alue of Options ) Tj ET Q q 0 0 0 rg BT 162.67 94.82 Td (V) Tj ET Q q 0 0 0 rg BT 168.78 94.82 Td (ested) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.25 94.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.90 94.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.25 94.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.90 94.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.25 94.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 94.82 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 66.75 Td (There were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.24 66.75 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.24 66.75 Td ( stock options granted in the years ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.38 66.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.38 66.75 Td ( through ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 302.49 73.68 20.00 -9.09 re f /GS0 gs q 0 0 0 rg BT 302.49 66.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 322.49 73.68 2.50 -9.09 re f /GS0 gs q 0 0 0 rg BT 322.49 66.75 Td (.) Tj ET Q endstream endobj 363 0 obj <> endobj 364 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 1) Tj ET Q q 0 0 0 rg BT 76.94 712.75 Td (1 - Stock-Based Compensation - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (177) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 690.75 Td (Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.75 Td (Compensation expense for the stock plans, as reported in our consolidated statements of income, is as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 614.25 285.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.75 614.25 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.75 614.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.75 614.25 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.75 614.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.75 614.25 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 586.25 285.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.75 586.25 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.75 586.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.75 586.25 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.75 586.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.75 586.25 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 558.25 285.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.75 558.25 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.75 558.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.75 558.25 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.75 558.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.75 558.25 75.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.75 642.25 m 408.75 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.75 642.25 m 412.75 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 642.25 m 487.75 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.75 642.25 m 491.75 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.75 642.25 m 566.75 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.75 642.25 m 408.75 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.75 628.25 m 408.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.75 642.25 m 412.75 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 642.25 m 487.75 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 628.25 m 487.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.75 642.25 m 491.75 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.75 642.25 m 566.75 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.75 628.25 m 566.75 628.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.75 614.25 m 408.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.75 614.25 m 412.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 614.25 m 487.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.75 614.25 m 491.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.75 614.25 m 566.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.75 614.25 m 408.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.75 614.25 m 412.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 614.25 m 487.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.75 614.25 m 491.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.75 614.25 m 566.75 614.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.75 572.25 m 408.75 572.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 572.25 m 487.75 572.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.75 572.25 m 566.75 572.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.75 572.25 m 408.75 572.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.75 559.25 m 408.75 559.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.75 557.25 m 408.75 557.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 572.25 m 487.75 572.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 559.25 m 487.75 559.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.75 557.25 m 487.75 557.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.75 572.25 m 566.75 572.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.75 559.25 m 566.75 559.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.75 557.25 m 566.75 557.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.45 646.82 Td (Y) Tj ET Q q 0 0 0 rg BT 405.17 646.82 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.75 632.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.75 632.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.75 632.82 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.60 618.82 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 604.82 Td (Performance Share Units) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.25 604.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.40 604.82 Td (6.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.25 604.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.40 604.82 Td (1) Tj ET Q q 0 0 0 rg BT 471.40 604.82 Td (1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.25 604.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 604.82 Td (6.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 590.82 Td (Restricted Stock Units) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.40 590.82 Td (19.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.40 590.82 Td (17.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 590.82 Td (14.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 576.82 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.40 576.82 Td (0.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.40 576.82 Td (0.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 576.82 Td (0.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 562.93 Td (T) Tj ET Q q 0 0 0 rg BT 57.46 562.93 Td (otal Compensation Expense, Befor) Tj ET Q q 0 0 0 rg BT 204.13 562.93 Td (e Income ) Tj ET Q q 0 0 0 rg BT 245.05 562.93 Td (T) Tj ET Q q 0 0 0 rg BT 251.17 562.93 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.25 562.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.40 562.82 Td (26.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.25 562.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.40 562.82 Td (29.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.25 562.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 562.82 Td (21.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 534.93 Td (T) Tj ET Q q 0 0 0 rg BT 57.00 534.93 Td (otal Compensation Expense, Net of Income ) Tj ET Q q 0 0 0 rg BT 242.65 534.93 Td (T) Tj ET Q q 0 0 0 rg BT 248.40 534.93 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.25 534.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.40 534.82 Td (20.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.25 534.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.40 534.82 Td (19.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.25 534.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 534.82 Td (14.4) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 506.75 Td (Cash received under all share-based payment arrangements for the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.97 506.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.56 506.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.56 506.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.56 506.75 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.49 506.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.49 506.75 Td ( was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.05 506.75 Td ($4.6 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 494.75 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 494.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 83.39 494.75 Td ($10.8 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.28 494.75 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.22 494.75 Td ($8.5 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.11 494.75 Td (, respectively) Tj ET Q q 0 0 0 rg BT 260.77 494.75 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 263.27 494.75 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 470.75 Td (Note 12 - Reinsurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 446.75 Td (Thirteen) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 83.37 446.75 Td ( major companies account for approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.97 446.75 Td (92 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.90 446.75 Td ( of our reinsurance recoverable at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.49 446.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.07 446.75 Td (, and all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 434.75 Td (are rated ) Tj ET Q q 0 0 0 rg BT 86.14 434.75 Td (A) Tj ET Q q 0 0 0 rg BT 92.81 434.75 Td ( or better by ) Tj ET Q q 0 0 0 rg BT 143.35 434.75 Td (A.M. Best Company \(AM Best\) or are fully securitized by letters of credit or investment-grade fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 422.75 Td (maturity securities held in trust. ) Tj ET Q q 0 0 0 rg BT 180.87 422.75 Td (Approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.91 422.75 Td (seven percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.60 422.75 Td ( of our reinsurance recoverable relates to business reinsured either ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 410.75 Td (with companies rated ) Tj ET Q q 0 0 0 rg BT 136.98 410.75 Td (A- or better by ) Tj ET Q q 0 0 0 rg BT 198.07 410.75 Td (AM Best, with overseas entities with equivalent ratings or backed by letters of credit or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 398.75 Td (trust agreements, or through reinsurance arrangements wherein we retain the assets in our general account. ) Tj ET Q q 0 0 0 rg BT 480.82 398.75 Td (The remaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.91 398.75 Td (one ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 386.75 Td (percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.92 386.75 Td ( of our reinsurance recoverable is held by companies either rated below ) Tj ET Q q 0 0 0 rg BT 366.58 386.75 Td (A- by ) Tj ET Q q 0 0 0 rg BT 391.58 386.75 Td (AM Best or not rated.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 362.75 Td (Reinsurance data is as follows: ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 310.25 300.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.75 310.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 310.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.75 310.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.75 310.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 310.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 282.25 300.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.75 282.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 282.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.75 282.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.75 282.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 282.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 254.25 300.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.75 254.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 254.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.75 254.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.75 254.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 254.25 70.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 338.25 m 418.75 338.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 338.25 m 422.75 338.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 338.25 m 492.75 338.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.75 338.25 m 496.75 338.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 338.25 m 566.75 338.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 324.25 m 418.75 324.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 324.25 m 492.75 324.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 324.25 m 566.75 324.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 310.25 m 418.75 310.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 310.25 m 422.75 310.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 310.25 m 492.75 310.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.75 310.25 m 496.75 310.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 310.25 m 566.75 310.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 268.25 m 418.75 268.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 255.25 m 418.75 255.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 253.25 m 418.75 253.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 268.25 m 492.75 268.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 255.25 m 492.75 255.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 253.25 m 492.75 253.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 268.25 m 566.75 268.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 255.25 m 566.75 255.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 253.25 m 566.75 253.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.95 342.82 Td (Y) Tj ET Q q 0 0 0 rg BT 412.67 342.82 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.25 328.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.25 328.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.25 328.82 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.10 314.82 Td (\(in millions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 300.82 Td (Direct Premium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.25 300.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.90 300.82 Td (9,171.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.25 300.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.90 300.82 Td (8,677.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.25 300.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 300.82 Td (8,385.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 286.82 Td (Reinsurance ) Tj ET Q q 0 0 0 rg BT 102.90 286.82 Td (Assumed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.40 286.82 Td (142.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.40 286.82 Td (230.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 286.82 Td (236.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 272.82 Td (Reinsurance Ceded) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.05 272.87 Td (\(327.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.90 272.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.05 272.87 Td (\(310.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.90 272.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.05 272.82 Td (\(263.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 272.82 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 258.93 Td (Net Pr) Tj ET Q q 0 0 0 rg BT 79.11 258.93 Td (emium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.25 258.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.90 258.82 Td (8,986.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.25 258.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.90 258.82 Td (8,597.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.25 258.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 258.82 Td (8,357.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 230.82 Td (Ceded Benefits and Change in Reserves for Future Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.25 230.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.40 230.82 Td (667.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.25 230.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.40 230.82 Td (655.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.25 230.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 230.82 Td (648.3) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.75 Td (Ef) Tj ET Q q 0 0 0 rg BT 58.76 202.75 Td (fective October 1, 2016, we entered into a reinsurance agreement under which we ceded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.15 202.75 Td (30 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.08 202.75 Td ( of the risk for certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 190.75 Td (blocks of Unum US individual disability policies, as well as some related claims development risk for a limited period of time. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.75 Td (The agreement is on a non-proportional modified coinsurance basis with a provision for experience refunds. ) Tj ET Q endstream endobj 365 0 obj <> endobj 366 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 13 - Segment Information) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (178) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 690.60 Td (e have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.45 690.60 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.44 690.60 Td ( principal operating business segments: Unum US, Unum International, and Colonial Life. Our other segments are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (Closed Block and Corporate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.60 Td (The Unum US segment is comprised of group long-term disability) Tj ET Q q 0 0 0 rg BT 314.65 654.60 Td (, which includes our new medical stop-loss product, and short-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.60 Td (term disability insurance, group life and accidental death and dismemberment products, and supplemental and voluntary lines of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.60 Td (business. ) Tj ET Q q 0 0 0 rg BT 90.71 630.60 Td (The supplemental and voluntary lines of business are comprised of individual disability) Tj ET Q q 0 0 0 rg BT 440.27 630.60 Td (, voluntary benefits, and dental ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.60 Td (and vision products. ) Tj ET Q q 0 0 0 rg BT 135.14 618.60 Td (These products are marketed through our field sales personnel who work in conjunction with independent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 606.60 Td (brokers and consultants.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.60 Td (In connection with our acquisition of Pramerica Zycie ) Tj ET Q q 0 0 0 rg BT 268.14 582.60 Td (TUiR S.A., \(which we have subsequently renamed Unum Zycie ) Tj ET Q q 0 0 0 rg BT 526.23 582.60 Td (TUiR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 570.60 Td (S.A. and refer to as Unum Poland\) in the fourth quarter of 2018, we changed the name of our Unum UK segment to Unum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 558.60 Td (International. ) Tj ET Q q 0 0 0 rg BT 107.91 558.60 Td (The Unum International segment is now comprised of our Unum UK line of business and the newly acquired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.60 Td (Unum Poland line of business. See "Acquisitions of Business" below for further information. Unum UK's business includes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.60 Td (insurance for group long-term disability) Tj ET Q q 0 0 0 rg BT 208.81 534.60 Td (, group life, and supplemental lines of business which include dental, individual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.60 Td (disability) Tj ET Q q 0 0 0 rg BT 86.07 522.60 Td (, and critical illness products. Unum UK's products are sold primarily in the United Kingdom through field sales ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.60 Td (personnel and independent brokers and consultants. Unum Poland's business primarily includes insurance for individual and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 498.60 Td (group life with accident and health riders. Unum Poland's products are sold only in Poland, primarily through a combination of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 486.60 Td (independent agents and field sales personnel. Unum Poland 's results are included within the supplemental product of the Unum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 474.60 Td (International segment in U.S. dollars.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 450.60 Td (The Colonial Life segment includes insurance for accident, sickness, and disability products, which includes our expanded dental ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 438.60 Td (and vision products, life products, and cancer and critical illness products marketed to employees, on both a group and an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 426.60 Td (individual basis, at the workplace through an independent contractor agency sales force and brokers. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 402.60 Td (The Closed Block segment consists of individual disability) Tj ET Q q 0 0 0 rg BT 284.66 402.60 Td (, group and individual long-term care, and other insurance products no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.60 Td (longer actively marketed. Individual disability in this segment generally consists of policies we sold prior to the mid-1990s and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 378.60 Td (entirely discontinued selling in 2004, other than update features contractually allowable on existing policies. ) Tj ET Q q 0 0 0 rg BT 487.81 378.60 Td (W) Tj ET Q q 0 0 0 rg BT 496.45 378.60 Td (e discontinued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 366.60 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 366.60 Td (fering individual long-term care in 2009 and group long-term care in 2012. Other insurance products include group pension, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 354.60 Td (individual life and corporate-owned life insurance, reinsurance pools and management operations, and other miscellaneous ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 342.60 Td (product lines.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 318.60 Td (The Corporate segment includes investment income on corporate assets not specifically allocated to a line of business, interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 306.60 Td (expense on corporate debt other than non-recourse debt, and certain other corporate income and expense not allocated to a line of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 294.60 Td (business. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 270.60 Td (Acquisitions of Business ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 246.60 Td (2018 ) Tj ET Q q 0 0 0 rg BT 71.63 246.60 Td (Acquisitions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 222.60 Td (OnNovember1, 2018, we acquired) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.01 222.60 Td (100 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.94 222.60 Td (of the shares and voting interests in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.57 222.60 Td (Jaimini Health, Inc. \(Jaimini Health\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.20 222.60 Td (, a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 210.60 Td (dental health maintenance or) Tj ET Q q 0 0 0 rg BT 164.54 210.60 Td (ganization. ) Tj ET Q q 0 0 0 rg BT 213.51 210.60 Td (The acquisition of Jaimini Health will broaden our employee benefit dental of) Tj ET Q q 0 0 0 rg BT 525.18 210.60 Td (ferings in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 198.60 Td (the U.S., particularly in the state of California, and is reported in our Unum US segment. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 174.60 Td (OnOctober1, 2018, we acquired) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.01 174.60 Td (100 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.94 174.60 Td (of the shares and voting interests in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.57 174.60 Td (Unum Poland) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.85 174.60 Td (, a financial protection benefits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 162.60 Td (provider in Poland. ) Tj ET Q q 0 0 0 rg BT 131.25 162.60 Td (This acquisition will expand our European presence, which we believe to be an attractive market for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 150.60 Td (financial protection benefits. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 126.60 Td (OnJanuary1, 2018, we acquired) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.90 126.60 Td (100 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.83 126.60 Td (of the shares and voting interests in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.46 126.60 Td (Leavelogic, Inc \(Leavelogic\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.23 126.60 Td (, a leave ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 114.60 Td (management technology provider) Tj ET Q q 0 0 0 rg BT 183.35 114.60 Td (. ) Tj ET Q q 0 0 0 rg BT 190.67 114.60 Td (The acquisition of Leavelogic will enhance our current leave management of) Tj ET Q q 0 0 0 rg BT 498.13 114.60 Td (ferings by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 102.60 Td (providing tools for employers and employees to better manage the family leave process and is reported in our Unum US ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 90.60 Td (segment. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 66.60 Td (Aggregate revenues for all three acquired entities totaled approximately) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.10 66.60 Td ($61 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.49 66.60 Td ( in 2017. ) Tj ET Q q 0 0 0 rg BT 425.22 66.60 Td (Aggregate assets were valued at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 54.60 Td (approximately) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.76 54.60 Td ($344 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.15 54.60 Td ( as of the respective acquisition dates and were primarily comprised of bonds, short-term ) Tj ET Q endstream endobj 367 0 obj <> endobj 368 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 13 - Segment Information - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (179) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (investments, and intangible assets attributable to the value of business acquired, the value of distribution networks, and licenses. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (Aggregate liabilities were valued at approximately) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.42 678.60 Td ($206 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.81 678.60 Td ( as of the respective acquisition dates and were primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.60 Td (comprised of outstanding claim liabilities, reserves for future claims, and income tax liabilities. ) Tj ET Q q 0 0 0 rg BT 435.60 666.60 Td (The aggregate purchase price ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.60 Td (for all three transactions was approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.21 654.60 Td ($151 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.61 654.60 Td ( and exceeded the fair value of the identifiable net assets by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.60 Td (approximately) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.76 642.60 Td ($13 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.15 642.60 Td (,which was identified as goodwill, primarily attributable to the value of adding individual and group ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.60 Td (financial protection products in Poland to our current employee benefit of) Tj ET Q q 0 0 0 rg BT 344.23 630.60 Td (ferings and the value of enhancing our technology ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.60 Td (capabilities around our leave management of) Tj ET Q q 0 0 0 rg BT 228.97 618.60 Td (ferings. ) Tj ET Q q 0 0 0 rg BT 264.06 618.60 Td (The goodwill is not deductible for income tax purposes except upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 606.60 Td (disposition of the acquired entities. ) Tj ET Q q 0 0 0 rg BT 194.57 606.60 Td (These acquisitions, the results of which are included in our consolidated financial statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 594.60 Td (for the periods subsequent to the respective dates of acquisition, did not have a material impact on revenue or results of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.60 Td (operations for 2018.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 558.60 Td (2016 ) Tj ET Q q 0 0 0 rg BT 71.63 558.60 Td (Acquisition) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.60 Td (In) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.33 534.60 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.33 534.60 Td (, we acquired) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.41 534.60 Td (100 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.34 534.60 Td (of the shares and voting interests in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.97 534.60 Td (H&J Capital, L.L.C., parent of Starmount Life Insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.60 Td (Company and ) Tj ET Q q 0 0 0 rg BT 107.27 522.60 Td (AlwaysCare Benefits \(Starmount\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.35 522.60 Td (, for a total cash purchase price of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.35 522.60 Td ($140.3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.24 522.60 Td ( plus contingent cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.60 Td (consideration of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.70 510.60 Td ($10.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.59 510.60 Td (that was paid in two increments of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.34 510.60 Td ($5.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.23 510.60 Td (each, at) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.76 510.60 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.76 510.60 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.20 510.60 Td (24) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.20 510.60 Td (months from the date of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 498.60 Td (acquisition upon satisfaction of certain conditions. Starmount Life Insurance Company is an independent provider of dental and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 486.60 Td (vision insurance in the U.S. workplace, and ) Tj ET Q q 0 0 0 rg BT 225.57 486.60 Td (AlwaysCare Benefits is a nationally licensed, third-party administrator) Tj ET Q q 0 0 0 rg BT 507.72 486.60 Td (. ) Tj ET Q q 0 0 0 rg BT 515.04 486.60 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 474.60 Td (acquisition of Starmount broadens our employee benefit of) Tj ET Q q 0 0 0 rg BT 285.09 474.60 Td (ferings in the U.S. Starmount's dental and vision products and new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 462.60 Td (dental and vision products marketed by Unum US are reported in our Unum US segment within our supplemental and voluntary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 450.60 Td (product lines. Colonial Life dental and vision products were introduced in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.26 450.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.26 450.60 Td ( and are reported in our Colonial Life segment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 438.60 Td (within ) Tj ET Q q 0 0 0 rg BT 77.56 438.60 Td (our ) Tj ET Q q 0 0 0 rg BT 93.39 438.60 Td (accident, ) Tj ET Q q 0 0 0 rg BT 131.70 438.60 Td (sickness, ) Tj ET Q q 0 0 0 rg BT 170.03 438.60 Td (and ) Tj ET Q q 0 0 0 rg BT 186.97 438.60 Td (disability ) Tj ET Q q 0 0 0 rg BT 226.69 438.60 Td (product ) Tj ET Q q 0 0 0 rg BT 259.73 438.60 Td (line.) Tj ET Q /GS0 gs q 2.50 0 0 10.09 277.23 436.44 cm /I21 Do Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.60 Td (T) Tj ET Q q 0 0 0 rg BT 54.91 414.60 Td (otal assets were valued at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.04 414.60 Td ($93.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.93 414.60 Td (as of the acquisition date and were primarily comprised of bonds, cash, accounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 402.60 Td (receivable, and intangible assets attributable to the value of business acquired and the value of existing state licenses. ) Tj ET Q q 0 0 0 rg BT 522.78 402.60 Td (T) Tj ET Q q 0 0 0 rg BT 528.19 402.60 Td (otal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.60 Td (liabilities were valued at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.02 390.60 Td ($55.7 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.91 390.60 Td (as of the acquisition date and were primarily comprised of outstanding claim liabilities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 378.60 Td (and reserves for future claims. ) Tj ET Q q 0 0 0 rg BT 175.66 378.60 Td (The total purchase price exceeded the fair value of the identifiable net assets by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.07 378.60 Td ($1) Tj ET Q q 0 0 0 rg BT 505.70 378.60 Td (1) Tj ET Q q 0 0 0 rg BT 510.33 378.60 Td (1.2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 366.60 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 366.60 Td (and has been identified as goodwill, primarily attributable to the value of adding dental and vision to our current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 354.60 Td (employee benefit of) Tj ET Q q 0 0 0 rg BT 129.29 354.60 Td (ferings. Goodwill was allocated to the reporting units expected to benefit from the acquisition. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 342.60 Td (Approximately) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.54 342.60 Td (75 percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.47 342.60 Td (was allocated to our Unum US supplemental and voluntary product lines and approximately) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.71 342.60 Td (25 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 330.60 Td (percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.92 330.60 Td (to Colonial Life. ) Tj ET Q q 0 0 0 rg BT 152.62 330.60 Td (The goodwill is not deductible for income tax purposes except upon disposition of the acquired entity) Tj ET Q q 0 0 0 rg BT 558.27 330.60 Td (. ) Tj ET Q endstream endobj 369 0 obj <> endobj 370 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 13 - Segment Information - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (180) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (Segment information is as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 638.10 314.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.25 638.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.25 638.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.25 638.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.25 638.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 638.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 610.10 314.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.25 610.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.25 610.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.25 610.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.25 610.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 610.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 582.10 314.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.25 582.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.25 582.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.25 582.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.25 582.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 582.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 554.10 314.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.25 554.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.25 554.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.25 554.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.25 554.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 554.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 526.10 314.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.25 526.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.25 526.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.25 526.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.25 526.10 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 526.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 498.10 314.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.25 498.10 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.25 498.10 4.00 -14.00 re f 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1 rg /GS0 gs 260.75 237.00 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.75 237.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.75 237.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.75 237.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.75 237.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.75 237.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.75 237.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.75 237.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.75 237.00 55.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.75 671 m 255.75 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.75 671 m 325.75 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.75 671 m 385.75 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.75 671 m 445.75 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 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1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.75 587 m 445.75 587 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 587 m 505.75 587 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.75 587 m 255.75 587 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.75 574 m 255.75 574 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.75 572 m 255.75 572 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.75 587 m 325.75 587 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.75 574 m 325.75 574 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.75 572 m 325.75 572 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.75 587 m 385.75 587 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.75 574 m 385.75 574 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.75 572 m 385.75 572 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.75 587 m 445.75 587 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.75 574 m 445.75 574 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.75 572 m 445.75 572 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 587 m 505.75 587 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 574 m 505.75 574 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 572 m 505.75 572 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.75 587 m 565.75 587 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.75 574 m 565.75 574 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.75 572 m 565.75 572 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.75 433 m 255.75 433 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.75 433 m 325.75 433 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.75 433 m 385.75 433 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.75 433 m 445.75 433 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 433 m 505.75 433 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.75 433 m 565.75 433 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.75 433 m 255.75 433 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.75 420 m 255.75 420 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.75 418 m 255.75 418 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.75 433 m 325.75 433 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.75 420 m 325.75 420 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.75 418 m 325.75 418 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.75 433 m 385.75 433 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.75 420 m 385.75 420 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.75 418 m 385.75 418 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.75 433 m 445.75 433 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.75 420 m 445.75 420 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.75 418 m 445.75 418 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 433 m 505.75 433 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.75 420 m 505.75 420 l s 0 0 0 RG /GS0 gs 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264 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.60 675.67 Td (Unum US) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.25 685.67 Td (Unum) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.20 675.67 Td (International) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.50 685.67 Td (Colonial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.40 675.67 Td (Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.85 685.67 Td (Closed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.80 675.67 Td (Block) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.75 675.67 Td (Corporate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.50 675.67 Td (T) Tj ET Q q 0 0 0 rg BT 533.26 675.67 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.60 661.57 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.25 647.68 Td (Y) Tj ET Q q 0 0 0 rg BT 58.92 647.68 Td (ear) Tj ET Q q 0 0 0 rg BT 72.15 647.68 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 148.07 647.68 Td ( 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.25 619.57 Td (Premium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.25 619.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.90 619.57 Td (5,736.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.25 619.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.40 619.57 Td (568.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.25 619.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.90 619.57 Td (1,603.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.25 619.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.90 619.57 Td (1,077.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.25 619.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.90 619.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.25 619.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.90 619.57 Td (8,986.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.25 605.57 Td (Net Investment Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.40 605.57 Td (778.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.40 605.57 Td (1) Tj ET Q q 0 0 0 rg BT 304.40 605.57 Td (17.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.40 605.57 Td (151.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.90 605.57 Td (1,377.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.40 605.57 Td (29.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.90 605.57 Td (2,453.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.25 591.57 Td (Other Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.40 591.57 Td (1) Tj ET Q q 0 0 0 rg BT 234.40 591.57 Td (18.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.40 591.57 Td (0.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.40 591.57 Td (1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.40 591.57 Td (75.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.40 591.57 Td (2.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.40 591.57 Td (198.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.25 577.68 Td (Adjusted Operating Revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.25 577.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 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549.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.40 549.57 Td (1) Tj ET Q q 0 0 0 rg BT 304.40 549.57 Td (13.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.25 549.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.40 549.57 Td (335.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.25 549.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.40 549.57 Td (125.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.25 549.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.05 549.62 Td (\(171.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.90 549.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.25 549.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.90 549.57 Td (1,418.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.25 535.57 Td (Interest and Debt Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.25 535.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.90 535.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.25 535.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.90 535.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.25 535.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.90 535.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.25 535.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.40 535.57 Td (6.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.25 535.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.40 535.57 Td (160.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.25 535.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.40 535.57 Td (167.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.25 521.57 Td (Depreciation and ) Tj ET Q q 0 0 0 rg BT 123.05 521.57 Td (Amortization) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.25 521.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.40 521.57 Td (389.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.25 521.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.40 521.57 Td (17.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.25 521.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.40 521.57 Td (257.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.25 521.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.40 521.57 Td (8.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.25 521.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.40 521.57 Td (1.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.25 521.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.40 521.57 Td (673.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.25 493.68 Td (Y) Tj ET Q q 0 0 0 rg BT 58.92 493.68 Td (ear) Tj ET Q q 0 0 0 rg BT 72.15 493.68 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 148.07 493.68 Td ( 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.25 465.57 Td (Premium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.25 465.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.90 465.57 Td (5,443.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.25 465.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.40 465.57 Td (513.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.25 465.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.90 465.57 Td (1,51) Tj ET Q q 0 0 0 rg BT 369.40 465.57 Td (1.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.25 465.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.90 465.57 Td (1,129.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.25 465.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.90 465.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.25 465.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.90 465.57 Td (8,597.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.25 451.57 Td (Net Investment Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.40 451.57 Td (81) Tj ET Q q 0 0 0 rg BT 239.40 451.57 Td (1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.40 451.57 Td (120.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.40 451.57 Td (144.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.90 451.57 Td (1,354.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.40 451.57 Td (21.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.90 451.57 Td (2,451.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.25 437.57 Td (Other Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.40 437.57 Td (1) Tj ET Q q 0 0 0 rg BT 234.40 437.57 Td (13.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.40 437.57 Td (0.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.40 437.57 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.40 437.57 Td (79.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.40 437.57 Td (2.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.40 437.57 Td (197.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.25 423.68 Td (Adjusted Operating Revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.25 423.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.90 423.57 Td (6,367.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.25 423.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.40 423.57 Td (633.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.25 423.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.90 423.57 Td (1,657.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.25 423.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.90 423.57 Td (2,563.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.25 423.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.40 423.57 Td (24.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.25 423.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.85 423.57 Td (1) Tj ET Q q 0 0 0 rg BT 531.85 423.57 Td (1,246.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.25 395.57 Td (Adjusted Operating Income \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.25 395.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.90 395.57 Td (1,009.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.25 395.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.40 395.57 Td (1) Tj ET Q q 0 0 0 rg BT 304.40 395.57 Td (1) Tj ET Q q 0 0 0 rg BT 309.40 395.57 Td (1.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.25 395.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.40 395.57 Td (325.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.25 395.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.40 395.57 Td (123.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.25 395.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.05 395.62 Td (\(146.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.90 395.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.25 395.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.90 395.57 Td (1,423.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.25 381.57 Td (Interest and Debt Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.25 381.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.90 381.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.25 381.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.90 381.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.25 381.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.90 381.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.25 381.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.40 381.57 Td (6.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.25 381.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.40 381.57 Td (153.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.25 381.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.40 381.57 Td (159.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.25 367.57 Td (Depreciation and ) Tj ET Q q 0 0 0 rg BT 123.05 367.57 Td (Amortization) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.25 367.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.40 367.57 Td (371.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.25 367.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.40 367.57 Td (17.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.25 367.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.40 367.57 Td (239.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.25 367.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.40 367.57 Td (6.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.25 367.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.40 367.57 Td (0.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.25 367.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.40 367.57 Td (636.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.25 339.68 Td (Y) Tj ET Q q 0 0 0 rg BT 58.36 339.68 Td (ear) Tj ET Q q 0 0 0 rg BT 72.06 339.68 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 147.98 339.68 Td ( 31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.25 311.57 Td (Premium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.25 311.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.90 311.57 Td (5,240.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.25 311.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.40 311.57 Td (529.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.25 311.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.90 311.57 Td (1,417.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.25 311.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.90 311.57 Td (1,170.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.25 311.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.90 311.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.25 311.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.90 311.57 Td (8,357.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.25 297.57 Td (Net Investment Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.40 297.57 Td (828.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.40 297.57 Td (1) Tj ET Q q 0 0 0 rg BT 304.40 297.57 Td (18.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.40 297.57 Td (141.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.90 297.57 Td (1,352.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.40 297.57 Td (18.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.90 297.57 Td (2,459.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.25 283.57 Td (Other Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.40 283.57 Td (1) Tj ET Q q 0 0 0 rg BT 234.40 283.57 Td (13.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.40 283.57 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.40 283.57 Td (1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.40 283.57 Td (86.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.40 283.57 Td (4.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.40 283.57 Td (205.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.25 269.68 Td (Adjusted Operating Revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.25 269.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.90 269.57 Td (6,182.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.25 269.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.40 269.57 Td (647.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.25 269.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.90 269.57 Td (1,559.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.25 269.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.90 269.57 Td (2,608.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.25 269.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.40 269.57 Td (23.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.25 269.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.85 269.57 Td (1) Tj ET Q q 0 0 0 rg BT 531.85 269.57 Td (1,022.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.25 241.57 Td (Adjusted Operating Income \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.25 241.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.40 241.57 Td (914.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.25 241.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.40 241.57 Td (128.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.25 241.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.40 241.57 Td (314.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.25 241.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.40 241.57 Td (129.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.25 241.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.05 241.62 Td (\(163.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.90 241.57 Td (\)) Tj 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BT 52.25 213.57 Td (Depreciation and ) Tj ET Q q 0 0 0 rg BT 122.78 213.57 Td (Amortization) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.25 213.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.40 213.57 Td (353.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.25 213.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.40 213.57 Td (16.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.25 213.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.40 213.57 Td (222.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.25 213.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.40 213.57 Td (6.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.25 213.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.40 213.57 Td (1.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.25 213.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.40 213.57 Td (600.2) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 373 0 obj <> endobj 374 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 13 - Segment Information - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (182) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 657.00 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 657.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.75 657.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.75 657.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.75 657.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.75 657.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.75 657.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 657.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 629.00 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 629.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.75 629.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.75 629.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.75 629.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.75 629.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.75 629.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 629.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 601.00 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 601.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.75 601.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.75 601.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.75 601.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.75 601.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.75 601.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 601.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 573.00 247.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 573.00 64.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.75 573.00 5.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.75 573.00 64.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.75 573.00 5.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.75 573.00 64.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.75 573.00 5.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 573.00 64.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 534.00 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 534.00 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.75 534.00 5.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.75 534.00 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.75 534.00 5.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.75 534.00 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.75 534.00 5.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 534.00 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 508.00 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 508.00 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.75 508.00 5.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.75 508.00 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.75 508.00 5.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.75 508.00 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.75 508.00 5.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 508.00 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 482.00 247.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 482.00 64.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.75 482.00 5.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.75 482.00 64.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.75 482.00 5.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.75 482.00 64.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.75 482.00 5.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 482.00 64.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 440.00 247.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 440.00 64.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.75 440.00 5.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.75 440.00 64.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.75 440.00 5.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.75 440.00 64.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.75 440.00 5.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 440.00 64.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 400.00 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 400.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.75 400.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.75 400.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.75 400.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.75 400.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.75 400.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 400.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 372.00 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 372.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.75 372.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.75 372.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.75 372.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.75 372.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.75 372.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 372.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 344.00 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 344.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.75 344.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.75 344.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.75 344.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.75 344.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.75 344.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 344.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 316.00 247.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 316.00 64.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.75 316.00 5.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.75 316.00 64.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.75 316.00 5.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.75 316.00 64.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.75 316.00 5.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 316.00 64.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 276.00 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.75 276.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.75 276.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.75 276.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.75 276.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.75 276.00 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.75 276.00 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 276.00 64.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 671 m 359.75 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.75 671 m 428.75 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 671 m 497.75 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 671 m 566.75 671 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 657 m 359.75 657 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.75 657 m 364.75 657 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.75 657 m 428.75 657 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.75 657 m 433.75 657 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 657 m 497.75 657 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.75 657 m 502.75 657 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 657 m 566.75 657 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 534 m 359.75 534 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.75 534 m 428.75 534 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 534 m 497.75 534 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 534 m 566.75 534 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 534 m 359.75 534 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 522 m 359.75 522 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 520 m 359.75 520 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.75 534 m 428.75 534 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.75 522 m 428.75 522 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.75 520 m 428.75 520 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 534 m 497.75 534 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 522 m 497.75 522 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 520 m 497.75 520 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 534 m 566.75 534 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 522 m 566.75 522 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 520 m 566.75 520 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 400 m 359.75 400 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.75 400 m 428.75 400 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 400 m 497.75 400 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 400 m 359.75 400 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 387 m 359.75 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 385 m 359.75 385 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.75 400 m 428.75 400 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.75 387 m 428.75 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.75 385 m 428.75 385 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 400 m 497.75 400 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 387 m 497.75 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 385 m 497.75 385 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 400 m 566.75 400 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 387 m 566.75 387 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 385 m 566.75 385 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 276 m 359.75 276 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.75 276 m 428.75 276 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 276 m 497.75 276 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 276 m 566.75 276 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 276 m 359.75 276 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 263 m 359.75 263 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.75 261 m 359.75 261 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.75 276 m 428.75 276 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.75 263 m 428.75 263 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.75 261 m 428.75 261 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 276 m 497.75 276 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 263 m 497.75 263 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.75 261 m 497.75 261 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 276 m 566.75 276 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 263 m 566.75 263 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 261 m 566.75 261 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.75 687.57 Td (Unum) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.00 687.57 Td (Colonial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.10 674.57 Td (Unum US) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.70 674.57 Td (International) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.90 674.57 Td (Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.00 674.57 Td (T) Tj ET Q q 0 0 0 rg BT 529.76 674.57 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.60 661.57 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 647.68 Td (Deferr) Tj ET Q q 0 0 0 rg BT 79.38 647.68 Td (ed ) Tj ET Q q 0 0 0 rg BT 91.32 647.68 Td (Acquisition Costs) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 619.68 Td (Y) Tj ET Q q 0 0 0 rg BT 57.92 619.68 Td (ear) Tj ET Q q 0 0 0 rg BT 71.15 619.68 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 147.07 619.68 Td ( 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 605.57 Td (Beginning of ) Tj ET Q q 0 0 0 rg BT 112.06 605.57 Td (Y) Tj ET Q q 0 0 0 rg BT 118.60 605.57 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.25 605.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.90 605.57 Td (1,205.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.25 605.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.40 605.57 Td (21.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.25 605.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.40 605.57 Td (957.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.25 605.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 605.57 Td (2,184.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 591.57 Td (Capitalization) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.40 591.57 Td (344.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.40 591.57 Td (8.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.40 591.57 Td (315.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 591.57 Td (668.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 577.57 Td (Amortization) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.05 577.62 Td (\(315.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.90 577.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.05 577.62 Td (\(8.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.90 577.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.05 577.62 Td (\(242.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.90 577.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.05 577.57 Td (\(565.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 577.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 561.67 Td (Adjustment Related to Unrealized Investment Gains and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 551.67 Td (Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.40 551.67 Td (5.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.90 551.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.40 551.67 Td (18.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 551.67 Td (23.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 537.57 Td (Foreign Currency) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.90 537.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.05 537.62 Td (\(1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.90 537.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.90 537.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.05 537.57 Td (\(1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 537.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 524.57 Td (End of ) Tj ET Q q 0 0 0 rg BT 86.50 524.57 Td (Y) Tj ET Q q 0 0 0 rg BT 93.04 524.57 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.25 524.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.90 524.57 Td (1,239.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.25 524.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.40 524.57 Td (20.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.25 524.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.90 524.57 Td (1,050.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.25 524.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 524.57 Td (2,309.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 498.73 Td (Y) Tj ET Q q 0 0 0 rg BT 57.92 498.73 Td (ear) Tj ET Q q 0 0 0 rg BT 71.15 498.73 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 147.07 498.73 Td ( 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 485.57 Td (Beginning of ) Tj ET Q q 0 0 0 rg BT 112.06 485.57 Td (Y) Tj ET Q q 0 0 0 rg BT 118.60 485.57 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.25 485.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.90 485.57 Td (1,176.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.25 485.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.40 485.57 Td (21.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.25 485.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.40 485.57 Td (896.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.25 485.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 485.57 Td (2,094.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 457.67 Td (Capitalization) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.40 457.67 Td (325.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.40 457.67 Td (7.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.40 457.67 Td (295.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 457.67 Td (628.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 443.57 Td (Amortization) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.05 443.62 Td (\(293.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.90 443.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.05 443.62 Td (\(9.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.90 443.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.05 443.62 Td (\(224.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.90 443.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.05 443.57 Td (\(527.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 443.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 428.67 Td (Adjustment Related to Unrealized Investment Gains and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 418.67 Td (Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.05 418.72 Td (\(3.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.90 418.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.90 418.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.05 418.72 Td (\(9.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.90 418.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.05 418.67 Td (\(12.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 418.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 404.57 Td (Foreign Currency) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.90 404.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.40 404.57 Td (2.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.90 404.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.40 404.57 Td (2.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 390.57 Td (End of ) Tj ET Q q 0 0 0 rg BT 86.50 390.57 Td (Y) Tj ET Q q 0 0 0 rg BT 93.04 390.57 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.25 390.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.90 390.57 Td (1,205.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.25 390.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.40 390.57 Td (21.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.25 390.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.40 390.57 Td (957.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.25 390.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 390.57 Td (2,184.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 362.68 Td (Y) Tj ET Q q 0 0 0 rg BT 57.36 362.68 Td (ear) Tj ET Q q 0 0 0 rg BT 71.06 362.68 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 146.98 362.68 Td ( 31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 348.57 Td (Beginning of ) Tj ET Q q 0 0 0 rg BT 112.06 348.57 Td (Y) Tj ET Q q 0 0 0 rg BT 118.60 348.57 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.25 348.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.90 348.57 Td (1,136.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.25 348.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.40 348.57 Td (27.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.25 348.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.40 348.57 Td (845.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.25 348.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 348.57 Td (2,008.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 334.57 Td (Capitalization) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.40 334.57 Td (314.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.40 334.57 Td (8.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.40 334.57 Td (270.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 334.57 Td (592.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 320.57 Td (Amortization) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.05 320.62 Td (\(275.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.90 320.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.05 320.62 Td (\(9.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.90 320.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.05 320.62 Td (\(208.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.90 320.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.05 320.57 Td (\(493.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 320.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 304.67 Td (Adjustment Related to Unrealized Investment Gains and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 294.67 Td (Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.40 294.67 Td (1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.90 294.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.05 294.72 Td (\(10.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.90 294.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.05 294.67 Td (\(9.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 294.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 280.57 Td (Foreign Currency) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.90 280.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.05 280.62 Td (\(4.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.90 280.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.90 280.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.05 280.57 Td (\(4.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.90 280.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 266.57 Td (End of ) Tj ET Q q 0 0 0 rg BT 86.32 266.57 Td (Y) Tj ET Q q 0 0 0 rg BT 92.54 266.57 Td (ear) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.25 266.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.90 266.57 Td (1,176.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.25 266.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.40 266.57 Td (21.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.25 266.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.40 266.57 Td (896.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.25 266.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 266.57 Td (2,094.2) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 198.00 370.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 198.00 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.75 198.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.75 198.00 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 170.00 370.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 170.00 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.75 170.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.75 170.00 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 142.00 370.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 142.00 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.75 142.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.75 142.00 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 114.00 370.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 114.00 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.75 114.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.75 114.00 72.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 226 m 490.75 226 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.75 226 m 494.75 226 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.75 226 m 566.75 226 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 212 m 490.75 212 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.75 212 m 566.75 212 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 198 m 490.75 198 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.75 198 m 494.75 198 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.75 198 m 566.75 198 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 198 m 490.75 198 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 114 m 490.75 114 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 114 m 490.75 114 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 101 m 490.75 101 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 99 m 490.75 99 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.75 114 m 566.75 114 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.75 101 m 566.75 101 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.75 99 m 566.75 99 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.45 230.57 Td (December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.25 216.57 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.25 216.57 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.10 202.57 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 188.68 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 174.57 Td (Unum US) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.25 174.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.90 174.57 Td (17,510.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.25 174.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.90 174.57 Td (18,109.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 160.57 Td (Unum International) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.90 160.57 Td (3,426.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 160.57 Td (3,428.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 146.57 Td (Colonial Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.90 146.57 Td (4,237.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 146.57 Td (4,184.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 132.57 Td (Closed Block) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.90 132.57 Td (34,527.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.90 132.57 Td (35,051.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 118.57 Td (Corporate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.90 118.57 Td (2,172.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 118.57 Td (3,240.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 104.68 Td (T) Tj ET Q q 0 0 0 rg BT 57.00 104.68 Td (otal ) Tj ET Q q 0 0 0 rg BT 75.06 104.68 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.25 104.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.90 104.57 Td (61,875.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.25 104.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.90 104.57 Td (64,013.1) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 76.50 Td (Revenue is primarily derived from sources in the United States and the United Kingdom. ) Tj ET Q q 0 0 0 rg BT 410.35 76.50 Td (There are no material revenues or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 64.50 Td (assets attributable to foreign operations other than those reported in our Unum International segment. ) Tj ET Q endstream endobj 375 0 obj <> endobj 376 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 13 - Segment Information - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (183) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 690.60 Td (e report goodwill in our Unum US, Unum International, and Colonial Life segments, which are the segments expected to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (benefit from the originating business combinations. ) Tj ET Q q 0 0 0 rg BT 260.02 678.60 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.52 678.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.11 678.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.54 678.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.54 678.60 Td ( goodwill was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 678.60 Td ($350.3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.04 678.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.48 678.60 Td ($338.6 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.60 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 666.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 131.05 666.60 Td (, with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.33 666.60 Td ($280.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.22 666.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.66 666.60 Td ($271.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.55 666.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 346.21 666.60 Td (, attributable to Unum US, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.81 666.60 Td ($42.6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.70 666.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.14 666.60 Td ($39.8 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.60 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 654.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 131.05 654.60 Td (, attributable to Unum International, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.90 654.60 Td ($27.7 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.79 654.60 Td ( attributable to Colonial Life in each year) Tj ET Q q 0 0 0 rg BT 513.45 654.60 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.60 Td (Stockholders' equity is allocated to the operating segments on the basis of an internal allocation formula that reflects the volume ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.60 Td (and risk components of each operating segment's business and aligns allocated equity with our tar) Tj ET Q q 0 0 0 rg BT 440.47 618.60 Td (get capital levels for regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 606.60 Td (and rating agency purposes. ) Tj ET Q q 0 0 0 rg BT 165.95 606.60 Td (W) Tj ET Q q 0 0 0 rg BT 174.59 606.60 Td (e modify this formula periodically to recognize changes in the views of capital requirements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 582.60 Td (e measure and analyze our segment performance on the basis of "adjusted operating revenue" and "adjusted operating income" ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 570.60 Td (or "adjusted operating loss", which dif) Tj ET Q q 0 0 0 rg BT 203.01 570.60 Td (fer from total revenue and income before income tax as presented in our consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 558.60 Td (statements of income due to the exclusion of net realized investment gains and losses and certain other items specified in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.60 Td (reconciliations below) Tj ET Q q 0 0 0 rg BT 134.66 546.60 Td (. ) Tj ET Q q 0 0 0 rg BT 141.98 546.60 Td (W) Tj ET Q q 0 0 0 rg BT 150.61 546.60 Td (e believe adjusted operating revenue and adjusted operating income or loss are better performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.60 Td (measures and better indicators of the revenue and profitability and underlying trends in our business. ) Tj ET Q q 0 0 0 rg BT 457.26 534.60 Td (These performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.60 Td (measures are in accordance with GAAP) Tj ET Q q 0 0 0 rg BT 208.79 522.60 Td ( guidance for segment reporting, but they should not be viewed as a substitute for total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.60 Td (revenue, income before income tax, or net income. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 486.60 Td (Realized investment gains or losses depend on market conditions and do not necessarily relate to decisions regarding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 474.60 Td (underlying business of our segments. Our investment focus is on investment income to support our insurance liabilities as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 462.60 Td (opposed to the generation of realized investment gains or losses. ) Tj ET Q q 0 0 0 rg BT 311.66 462.60 Td (Although we may experience realized investment gains or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 450.60 Td (losses which will af) Tj ET Q q 0 0 0 rg BT 128.47 450.60 Td (fect future earnings levels,a long-term focus is necessary to maintain profitability over the life of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 438.60 Td (business since our underlying business is long-term in nature, and we need to earn the interest rates assumed in calculating our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 426.60 Td (liabilities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 402.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 402.60 Td (e may at other times exclude certain other items from our discussion of financial ratios and metrics in order to enhance the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.60 Td (understanding and comparability of our operational performance and the underlying fundamentals, but this exclusion is not an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 378.60 Td (indication that similar items may not recur and does not replace net income or net loss as a measure of our overall profitability) Tj ET Q q 0 0 0 rg BT 554.25 378.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 354.60 Td (See "Executive Summary" contained herein in Item 7 and Notes 6, 7, and 14 of the "Notes to Consolidated Financial Statements" ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 342.60 Td (contained herein in Item 8 for further discussion regarding the impacts of the long-term care reserve increase, the ) Tj ET Q q 0 0 0 rg BT 504.42 342.60 Td (TCJA, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 330.60 Td (unclaimed death benefit reserve increase, and the loss from a guaranty fund assessment, respectively) Tj ET Q q 0 0 0 rg BT 451.20 330.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 318.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 306.60 Td (A) Tj ET Q q 0 0 0 rg BT 56.17 306.60 Td ( reconciliation of total revenue to "adjusted operating revenue" and income before income tax to "adjusted operating income" is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 294.60 Td (as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 245.10 293.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.25 245.10 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.25 245.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 245.10 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.25 245.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.25 245.10 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 219.10 293.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.25 219.10 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.25 219.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 219.10 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.25 219.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.25 219.10 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 193.10 293.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.25 193.10 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.25 193.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 193.10 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.25 193.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.25 193.10 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 167.10 293.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.25 167.10 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.25 167.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 167.10 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.25 167.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.25 167.10 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 141.10 293.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.25 141.10 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.25 141.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 141.10 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.25 141.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.25 141.10 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 115.10 293.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.25 115.10 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.25 115.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 115.10 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.25 115.10 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.25 115.10 72.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.25 271.1 m 414.25 271.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.25 271.1 m 418.25 271.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 271.1 m 490.25 271.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.25 271.1 m 494.25 271.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.25 271.1 m 566.25 271.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.25 258.1 m 414.25 258.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 258.1 m 490.25 258.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.25 258.1 m 566.25 258.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.25 245.10000000000002 m 414.25 245.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.25 245.10000000000002 m 418.25 245.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 245.10000000000002 m 490.25 245.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.25 245.10000000000002 m 494.25 245.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.25 245.10000000000002 m 566.25 245.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.25 206.10000000000002 m 414.25 206.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 206.10000000000002 m 490.25 206.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.25 206.10000000000002 m 566.25 206.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.25 206.10000000000002 m 414.25 206.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.25 194.10000000000002 m 414.25 194.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.25 192.10000000000002 m 414.25 192.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 206.10000000000002 m 490.25 206.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 194.10000000000002 m 490.25 194.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 192.10000000000002 m 490.25 192.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.25 206.10000000000002 m 566.25 206.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.25 194.10000000000002 m 566.25 194.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.25 192.10000000000002 m 566.25 192.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.25 102.10000000000002 m 414.25 102.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.25 90.10000000000002 m 414.25 90.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.25 88.10000000000002 m 414.25 88.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 102.10000000000002 m 490.25 102.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 90.10000000000002 m 490.25 90.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 88.10000000000002 m 490.25 88.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.25 102.10000000000002 m 566.25 102.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.25 90.10000000000002 m 566.25 90.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.25 88.10000000000002 m 566.25 88.10000000000002 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.45 274.67 Td (Y) Tj ET Q q 0 0 0 rg BT 409.17 274.67 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.75 261.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.75 261.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.75 261.67 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.60 248.67 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 235.83 Td (T) Tj ET Q q 0 0 0 rg BT 57.96 235.83 Td (otal Revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.75 235.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.40 235.67 Td (1) Tj ET Q q 0 0 0 rg BT 380.40 235.67 Td (1,598.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.75 235.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.40 235.67 Td (1) Tj ET Q q 0 0 0 rg BT 456.40 235.67 Td (1,286.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.75 235.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.40 235.67 Td (1) Tj ET Q q 0 0 0 rg BT 532.40 235.67 Td (1,046.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 222.67 Td (Excluding:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 209.67 Td (Net Realized Investment Gain \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.55 209.72 Td (\(39.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.40 209.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.90 209.67 Td (40.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 209.67 Td (24.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 196.83 Td (Adjusted Operating Revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.75 196.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.40 196.67 Td (1) Tj ET Q q 0 0 0 rg BT 380.40 196.67 Td (1,638.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.75 196.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.40 196.67 Td (1) Tj ET Q q 0 0 0 rg BT 456.40 196.67 Td (1,246.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.75 196.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.40 196.67 Td (1) Tj ET Q q 0 0 0 rg BT 532.40 196.67 Td (1,022.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 170.83 Td (Income Befor) Tj ET Q q 0 0 0 rg BT 109.70 170.83 Td (e Income ) Tj ET Q q 0 0 0 rg BT 150.61 170.83 Td (T) Tj ET Q q 0 0 0 rg BT 156.74 170.83 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.75 170.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.90 170.67 Td (627.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.75 170.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.40 170.67 Td (1,404.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.75 170.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 170.67 Td (1,347.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 157.67 Td (Excluding:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 144.67 Td (Net Realized Investment Gain \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.55 144.72 Td (\(39.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.40 144.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.90 144.67 Td (40.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 144.67 Td (24.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 131.67 Td (Loss from Guaranty Fund ) Tj ET Q q 0 0 0 rg BT 163.57 131.67 Td (Assessment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.40 131.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.55 131.72 Td (\(20.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.40 131.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 131.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 118.67 Td (Unclaimed Death Benefit Reserve Increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.40 118.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.55 118.72 Td (\(39.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.40 118.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 118.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 105.67 Td (Long-term Care Reserve Increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.55 105.72 Td (\(750.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.40 105.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.40 105.67 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 105.67 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 92.83 Td (Adjusted Operating Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.75 92.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.40 92.67 Td (1,418.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.75 92.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.40 92.67 Td (1,423.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.75 92.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 92.67 Td (1,323.5) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 377 0 obj <> endobj 378 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 14 - Commitments and Contingent Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (184) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 690.75 Td (Commitments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 666.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 666.75 Td (e have noncancelable lease obligations on certain of) Tj ET Q q 0 0 0 rg BT 265.92 666.75 Td (fice space and equipment. ) Tj ET Q q 0 0 0 rg BT 374.21 666.75 Td (As of December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.24 666.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.24 666.75 Td (, the aggregate net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.75 Td (minimum lease payments were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.13 654.75 Td ($157.7 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.02 654.75 Td ( payable as follows: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.72 654.75 Td ($30.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.62 654.75 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.39 654.75 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.39 654.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.39 654.75 Td ($26.3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.29 654.75 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.06 654.75 Td (2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.06 654.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.06 654.75 Td ($22.2 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 556.96 654.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.75 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.78 642.75 Td (2021) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.78 642.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.78 642.75 Td ($18.2 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.67 642.75 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.45 642.75 Td (2022) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.45 642.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.45 642.75 Td ($12.3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.34 642.75 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.12 642.75 Td (2023) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.12 642.75 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.06 642.75 Td ($48.3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.95 642.75 Td ( thereafter) Tj ET Q q 0 0 0 rg BT 379.20 642.75 Td (. Rental expense for the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.75 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.08 630.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.08 630.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.08 630.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.08 630.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.52 630.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.52 630.75 Td ( was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.07 630.75 Td ($64.3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.97 630.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.97 630.75 Td ($54.2 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.86 630.75 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.80 630.75 Td ($51.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.69 630.75 Td (, respectively) Tj ET Q q 0 0 0 rg BT 454.35 630.75 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 606.75 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 606.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.58 606.75 Td (, we had unfunded commitments of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.72 606.75 Td ($515.6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.61 606.75 Td ( for certain of our investments, the amount of which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 594.75 Td (may or may not be funded. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 570.75 Td (Contingent Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 558.75 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 546.75 Td (e are a defendant in a number of litigation matters that have arisen in the normal course of business. Further) Tj ET Q q 0 0 0 rg BT 491.21 546.75 Td (, state insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.75 Td (regulatory authorities and other federal and state authorities regularly make inquiries and conduct investigations concerning our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.75 Td (compliance with applicable insurance and other laws and regulations. Given the complexity and scope of our litigation and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.75 Td (regulatory matters, it is not possible to predict the ultimate outcome of all pending investigations or legal proceedings or provide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 498.75 Td (reasonable estimates of potential losses, except if noted in connection with specific matters.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 474.75 Td (In some of these matters, no specified amount is sought. In others, very lar) Tj ET Q q 0 0 0 rg BT 350.08 474.75 Td (ge or indeterminate amounts, including punitive and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 462.75 Td (treble damages, are asserted. ) Tj ET Q q 0 0 0 rg BT 168.98 462.75 Td (There is a wide variation of pleading practice permitted in the United States courts with respect to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 450.75 Td (requests formonetary damages, including some courts in which no specified amount is required and others which allow the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 438.75 Td (plaintif) Tj ET Q q 0 0 0 rg BT 78.20 438.75 Td (f to state only that the amount sought is suf) Tj ET Q q 0 0 0 rg BT 250.50 438.75 Td (ficient to invoke the jurisdiction of that court. Further) Tj ET Q q 0 0 0 rg BT 466.72 438.75 Td (, some jurisdictions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 426.75 Td (permit plaintif) Tj ET Q q 0 0 0 rg BT 106.80 426.75 Td (fs to allege damages well in excess of reasonably possible verdicts. Based on our extensive experience and that of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.75 Td (others in the industrywith respect to litigatingor resolving claims through settlement over an extended period of time, we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 402.75 Td (believe that the monetary damages asserted ina lawsuit or claim bear little relation tothe merits of the case, or the likely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.75 Td (disposition value. ) Tj ET Q q 0 0 0 rg BT 124.87 390.75 Td (Therefore, the specific monetary relief sought is not stated.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 378.75 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 366.75 Td (Unless indicated otherwise in the descriptions below) Tj ET Q q 0 0 0 rg BT 259.36 366.75 Td (, reserves have not been established for litigation and contingencies. ) Tj ET Q q 0 0 0 rg BT 536.22 366.75 Td (An ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 354.75 Td (estimated loss is accrued when it is both probable that a liability has been incurred and the amount of the loss can be reasonably ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 342.75 Td (estimated.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 330.75 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 318.75 Td (Claims Handling Matters) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 306.75 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 294.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 294.75 Td (e and our insurance subsidiaries, in the ordinary course of our business, are engaged in claim litigation where disputes arise as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 282.75 Td (a result of a denial or termination of benefits. Most typically these lawsuits are filed on behalf of a single claimant or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 270.75 Td (policyholder) Tj ET Q q 0 0 0 rg BT 99.64 270.75 Td (, and in some of these individual actions punitive damages are sought, such as claims alleging bad faith in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 258.75 Td (handling of insurance claims. For our general claim litigation, we maintain reserves based on experience to satisfy judgments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 246.75 Td (and settlements in the normal course. ) Tj ET Q q 0 0 0 rg BT 203.17 246.75 Td (W) Tj ET Q q 0 0 0 rg BT 211.80 246.75 Td (e expect that the ultimate liability) Tj ET Q q 0 0 0 rg BT 345.28 246.75 Td (, if any) Tj ET Q q 0 0 0 rg BT 372.67 246.75 Td (, with respect to general claim litigation, after ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 234.75 Td (consideration of the reserves maintained, will not be material to our consolidated financial condition. Nevertheless, given the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 222.75 Td (inherent unpredictability of litigation, it is possible that an adverse outcome in certain claim litigation involving punitive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 210.75 Td (damages could, from time to time, have a material adverse ef) Tj ET Q q 0 0 0 rg BT 293.67 210.75 Td (fect on our consolidated results of operations in a period, depending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 198.75 Td (on the results of operations for the particular period.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 186.75 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 174.75 Td (From time to time class action allegations are pursued where the claimant or policyholder purports to represent a lar) Tj ET Q q 0 0 0 rg BT 513.06 174.75 Td (ger number ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 162.75 Td (of individuals who are similarly situated. Since each insurance claim is evaluated based on its own merits, there is rarely a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 150.75 Td (single act or series of actions which can properly be addressed by a class action. Nevertheless, we monitor these cases closely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 138.75 Td (and defend ourselves appropriately where these allegations are made.) Tj ET Q endstream endobj 379 0 obj <> endobj 380 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 14 - Commitments and Contingent Liabilities - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (185) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 690.75 Td (Miscellaneous Matters) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 668.75 Td (Similar to other insurers, we were the subject of an examination by a third party acting on behalf of a number of state treasurers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 656.75 Td (concerning our compliance with the unclaimed property laws of the participating states. ) Tj ET Q q 0 0 0 rg BT 405.32 656.75 Td (W) Tj ET Q q 0 0 0 rg BT 413.95 656.75 Td (e cooperated fully with this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 644.75 Td (examination and in the fourth quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.95 644.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.95 644.75 Td (, we started the process to reach a Global Resolution ) Tj ET Q q 0 0 0 rg BT 443.83 644.75 Td (Agreement with the third ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 632.75 Td (party regarding settlement of the examination, which we finalized in January of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.22 632.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.22 632.75 Td (. Under the terms of the agreement, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 620.75 Td (third party acting on behalf of the signatory states compared insured data to the Social Security ) Tj ET Q q 0 0 0 rg BT 431.61 620.75 Td (Administration's Death Master ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 608.75 Td (File \(SSDMF\) to identify deceased insureds and contract holders where a valid claim has not been made. During the fourth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 596.75 Td (quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.15 596.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.15 596.75 Td (, we established reserves which reflect our estimate of the liability expected to be paid as we execute on the terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 584.75 Td (of the settlement. ) Tj ET Q q 0 0 0 rg BT 123.46 584.75 Td (W) Tj ET Q q 0 0 0 rg BT 132.10 584.75 Td (e also are cooperating with a Delaware Market Conduct examination involving the same issue, which is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 572.75 Td (currently inactive. ) Tj ET Q q 0 0 0 rg BT 127.06 572.75 Td (The legal and regulatory environment around unclaimed death benefits continues to evolve. It is possible that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 560.75 Td (the current settlement and/or similar investigations by other state jurisdictions may result in payments to beneficiaries, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 548.75 Td (payment of abandoned funds under state law) Tj ET Q q 0 0 0 rg BT 227.68 548.75 Td (, and/or administrative penalties, the total of which may be in excess of the reserves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 536.75 Td (established.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.75 Td (In 2009, a Pennsylvania-based insurance company and its af) Tj ET Q q 0 0 0 rg BT 290.64 514.75 Td (filiates were ordered into rehabilitation, and the Pennsylvania) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.75 Td (Insurance Commissioner) Tj ET Q q 0 0 0 rg BT 148.80 502.75 Td (, who was appointed as the Rehabilitator) Tj ET Q q 0 0 0 rg BT 310.86 502.75 Td (, filed petitions for liquidation with the Commonwealth Court) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.75 Td (of Pennsylvania. Under Pennsylvania law) Tj ET Q q 0 0 0 rg BT 218.26 490.75 Td (, payment of covered claims and other related insurance obligations are provided, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 478.75 Td (within prescribed limits, by state guaranty associations. ) Tj ET Q q 0 0 0 rg BT 275.94 478.75 Td (These guaranty associations assess fees to meet these obligations on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.75 Td (insurance companies that sell insurance within the state, which are generally based on a company's pro rata portion of average ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 454.75 Td (premiums written or received for several years prior to the insolvency) Tj ET Q q 0 0 0 rg BT 328.20 454.75 Td (. In March ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.13 454.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.13 454.75 Td (, a formal order of liquidation was issued, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 442.75 Td (and as such, we were subject to an assessment by those guaranty associations that are responsible for policyholder claims, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.75 Td (accordingly accrued, in the first quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.54 430.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.54 430.75 Td (, an estimated loss contingency) Tj ET Q q 0 0 0 rg BT 364.58 430.75 Td (. ) Tj ET Q q 0 0 0 rg BT 371.90 430.75 Td (W) Tj ET Q q 0 0 0 rg BT 380.54 430.75 Td (e continue to submit payment to satisfy this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.75 Td (assessment as requests for payment are received from the guaranty associations. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 394.75 Td (Securities Class ) Tj ET Q q 0 0 0 rg BT 115.98 394.75 Td (Actions:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.31 394.75 Td ( ) Tj ET Q q 0 0 0 rg BT 154.13 394.75 Td (Three alleged securities class action lawsuits have been filed against Unum Group and individual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.75 Td (defendants as follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 358.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 358.75 Td (On June 13, 2018, an alleged securities class action lawsuit entitled ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 357.375 357.4169921875 m 526.7109375 357.4169921875 l s q 0 0 0 rg BT 357.38 358.75 Td (Cynthia Pittman v) Tj ET Q q 0 0 0 rg BT 429.50 358.75 Td (. Unum Group, Richard ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 345.4169921875 m 287.6875 345.4169921875 l s q 0 0 0 rg BT 85.50 346.75 Td (McKenney) Tj ET Q q 0 0 0 rg BT 129.28 346.75 Td (, John McGarry) Tj ET Q q 0 0 0 rg BT 191.67 346.75 Td (, and Daniel ) Tj ET Q q 0 0 0 rg BT 242.58 346.75 Td (W) Tj ET Q q 0 0 0 rg BT 251.22 346.75 Td (axenber) Tj ET Q q 0 0 0 rg BT 282.69 346.75 Td (g) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.69 346.75 Td ( was filed in the United States District Court for the Eastern District ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 334.75 Td (of ) Tj ET Q q 0 0 0 rg BT 96.15 334.75 Td (T) Tj ET Q q 0 0 0 rg BT 101.56 334.75 Td (ennessee. ) Tj ET Q q 0 0 0 rg BT 144.42 334.75 Td (The plaintif) Tj ET Q q 0 0 0 rg BT 191.16 334.75 Td (f seeks to represent purchasers of Unum Group publicly traded securities between January ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 322.75 Td (31, 2018 and May 2, 2018. ) Tj ET Q q 0 0 0 rg BT 198.09 322.75 Td (The plaintif) Tj ET Q q 0 0 0 rg BT 244.84 322.75 Td (f alleges the Company caused its shares to trade at artificially high levels by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 310.75 Td (failing to disclose information about the rate of long-term care policy terminations and long-term care claim incidence ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 298.75 Td (resulting in misleading statements about capital management plans and long-term care reserves. ) Tj ET Q q 0 0 0 rg BT 473.53 298.75 Td (The complaint asserts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 286.75 Td (claims under Sections 10\(b\) and 20\(a\) of the Securities Exchange ) Tj ET Q q 0 0 0 rg BT 349.31 286.75 Td (Act of 1934 and Rule 10b-5 thereunder and seeks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 274.75 Td (compensatory damages in an amount to be proven at trial. ) Tj ET Q q 0 0 0 rg BT 321.92 274.75 Td (The Company strongly denies these allegations and will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 262.75 Td (vigorously defend the litigation. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 238.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 238.75 Td (On July 13, 2018, an alleged securities class action lawsuit entitled ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 355.71484375 237.4169921875 m 534.494140625 237.4169921875 l s q 0 0 0 rg BT 355.71 238.75 Td (Scott Cunningham v) Tj ET Q q 0 0 0 rg BT 437.29 238.75 Td (. Unum Group, Richard ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 225.4169921875 m 287.6875 225.4169921875 l s q 0 0 0 rg BT 85.50 226.75 Td (McKenney) Tj ET Q q 0 0 0 rg BT 129.28 226.75 Td (, John McGarry) Tj ET Q q 0 0 0 rg BT 191.67 226.75 Td (, and Daniel ) Tj ET Q q 0 0 0 rg BT 242.58 226.75 Td (W) Tj ET Q q 0 0 0 rg BT 251.22 226.75 Td (axenber) Tj ET Q q 0 0 0 rg BT 282.69 226.75 Td (g) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.69 226.75 Td ( was filed in the United States District Court for the Eastern District ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 214.75 Td (of ) Tj ET Q q 0 0 0 rg BT 96.15 214.75 Td (T) Tj ET Q q 0 0 0 rg BT 101.56 214.75 Td (ennessee. ) Tj ET Q q 0 0 0 rg BT 144.42 214.75 Td (The allegations, class period, and damages claimed mirror those in the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 428.4931640625 213.4169921875 m 459.6064453125 213.4169921875 l s q 0 0 0 rg BT 428.49 214.75 Td (Pittman) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.61 214.75 Td ( matter) Tj ET Q q 0 0 0 rg BT 487.10 214.75 Td (. ) Tj ET Q q 0 0 0 rg BT 494.42 214.75 Td (The Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 202.75 Td (strongly denies these allegations and will vigorously defend the litigation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 178.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 178.75 Td (On July 25, 2018, an alleged securities class action lawsuit entitled ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 355.71484375 177.4169921875 m 565.8173828125 177.4169921875 l s q 0 0 0 rg BT 355.71 178.75 Td (City of ) Tj ET Q q 0 0 0 rg BT 386.09 178.75 Td (T) Tj ET Q q 0 0 0 rg BT 391.50 178.75 Td (aylor Police and Fire Retirement System v) Tj ET Q q 0 0 0 rg BT 560.82 178.75 Td (. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 165.4169921875 m 432.375 165.4169921875 l s q 0 0 0 rg BT 85.50 166.75 Td (Unum Group, Richard McKenney) Tj ET Q q 0 0 0 rg BT 221.49 166.75 Td (, John McGarry) Tj ET Q q 0 0 0 rg BT 283.88 166.75 Td (, Steve Zabel, and Daniel ) Tj ET Q q 0 0 0 rg BT 387.27 166.75 Td (W) Tj ET Q q 0 0 0 rg BT 395.91 166.75 Td (axenber) Tj ET Q q 0 0 0 rg BT 427.38 166.75 Td (g) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.38 166.75 Td ( was filed in the United States ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 154.75 Td (District Court for the Eastern District of ) Tj ET Q q 0 0 0 rg BT 247.78 154.75 Td (T) Tj ET Q q 0 0 0 rg BT 253.19 154.75 Td (ennessee. ) Tj ET Q q 0 0 0 rg BT 296.05 154.75 Td (The plaintif) Tj ET Q q 0 0 0 rg BT 342.79 154.75 Td (f seeks to represent purchasers of Unum Group publicly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 142.75 Td (traded securities between October 27, 2016 and May 1, 2018. ) Tj ET Q q 0 0 0 rg BT 336.36 142.75 Td (The allegations and damages claimed mirror those in the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 129.4169921875 m 116.61328125 129.4169921875 l s q 0 0 0 rg BT 85.50 130.75 Td (Pittman) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.61 130.75 Td ( matter) Tj ET Q q 0 0 0 rg BT 144.10 130.75 Td (. ) Tj ET Q q 0 0 0 rg BT 151.42 130.75 Td (The Company strongly denies these allegations and will vigorously defend the litigation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 106.75 Td (On November 9, 2018, the court consolidated the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 249.451171875 105.4169921875 m 280.564453125 105.4169921875 l s q 0 0 0 rg BT 249.45 106.75 Td (Pittman) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.56 106.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 285.564453125 105.4169921875 m 337.2294921875 105.4169921875 l s q 0 0 0 rg BT 285.56 106.75 Td (Cunningham) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.23 106.75 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 359.16796875 105.4169921875 m 557.419921875 105.4169921875 l s q 0 0 0 rg BT 359.17 106.75 Td (City of ) Tj ET Q q 0 0 0 rg BT 389.54 106.75 Td (T) Tj ET Q q 0 0 0 rg BT 394.95 106.75 Td (aylor Police and Fire Retirement System) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.42 106.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 94.75 Td (cases into one matter entitled ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 168.6259765625 93.4169921875 m 326.6484375 93.4169921875 l s q 0 0 0 rg BT 168.63 94.75 Td (In re Unum Group Securities Litigation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.65 94.75 Td (, appointed a lead plaintif) Tj ET Q q 0 0 0 rg BT 428.38 94.75 Td (f and lead plaintif) Tj ET Q q 0 0 0 rg BT 499.00 94.75 Td (f) Tj ET Q q 0 0 0 rg BT 502.88 94.75 Td () Tj ET Q q 0 0 0 rg BT 505.66 94.75 Td (s counsel, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 82.75 Td (directed the plaintif) Tj ET Q q 0 0 0 rg BT 127.62 82.75 Td (f to file a consolidated amended complaint. On January 15, 2019, the plaintif) Tj ET Q q 0 0 0 rg BT 437.36 82.75 Td (f filed a consolidated amended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 70.75 Td (complaint asserting claims under Sections 10\(b\) and 20\(a\) of the Securities Exchange ) Tj ET Q q 0 0 0 rg BT 393.85 70.75 Td (Act of 1934 and Rule 10b-5 thereunder ) Tj ET Q endstream endobj 381 0 obj <> endobj 382 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 14 - Commitments and Contingent Liabilities - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (186) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (and seeks compensatory damages in an amount to be proven at trial as well as costs, expenses, and attorney) Tj ET Q q 0 0 0 rg BT 482.15 690.60 Td (s fees. ) Tj ET Q q 0 0 0 rg BT 511.96 690.60 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (Company strongly denies these allegations and will vigorously defend the litigation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.60 Td (These lawsuits are in a very preliminary stage, the outcome is uncertain, and the Company is unable to estimate a range of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.60 Td (reasonably possible losses. Reserves have not been established for these matters. ) Tj ET Q q 0 0 0 rg BT 379.14 642.60 Td (Although we believe these claims lack merit, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.60 Td (an adverse outcome in one or more of these actions could, depending on the nature, scope, and amount of the ruling, materially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.60 Td (adversely af) Tj ET Q q 0 0 0 rg BT 97.90 618.60 Td (fect our consolidated results of operations in a period.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 49.50 594.60 Td (Shar) Tj ET Q q 0 0 0 rg BT 68.02 594.60 Td (eholder Derivative ) Tj ET Q q 0 0 0 rg BT 145.59 594.60 Td (Actions:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.91 594.60 Td ( ) Tj ET Q q 0 0 0 rg BT 183.73 594.60 Td (Three alleged derivative lawsuits have been filed against individual defendants and Unum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.60 Td (Group, as nominal defendant, as follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 558.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 558.60 Td (On September 27, 2018, a purported shareholder derivative lawsuit entitled ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 389.21337890625 557.2669921875 m 538.2880859375 557.2669921875 l s q 0 0 0 rg BT 389.12 558.60 Td (Vladimir Gusinsky Revocable ) Tj ET Q q 0 0 0 rg BT 512.53 558.60 Td (T) Tj ET Q q 0 0 0 rg BT 518.29 558.60 Td (rust, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 545.2669921875 m 560.3583984375 545.2669921875 l s q 0 0 0 rg BT 85.50 546.60 Td (Derivatively on Behalf of Unum Group v) Tj ET Q q 0 0 0 rg BT 250.37 546.60 Td (. Richard P) Tj ET Q q 0 0 0 rg BT 293.98 546.60 Td (. McKenney) Tj ET Q q 0 0 0 rg BT 342.76 546.60 Td (, John F) Tj ET Q q 0 0 0 rg BT 373.91 546.60 Td (. McGarry) Tj ET Q q 0 0 0 rg BT 414.91 546.60 Td (, Daniel J. ) Tj ET Q q 0 0 0 rg BT 457.78 546.60 Td (W) Tj ET Q q 0 0 0 rg BT 466.41 546.60 Td (axenber) Tj ET Q q 0 0 0 rg BT 497.88 546.60 Td (g, Steve Zabel, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 533.2669921875 m 568.703125 533.2669921875 l s q 0 0 0 rg BT 85.50 534.60 Td (Kevin ) Tj ET Q q 0 0 0 rg BT 112.26 534.60 Td (T) Tj ET Q q 0 0 0 rg BT 117.62 534.60 Td (. Kabat, E. Michael Caulfield, Gloria C. Larson, ) Tj ET Q q 0 0 0 rg BT 312.39 534.60 Td (T) Tj ET Q q 0 0 0 rg BT 318.15 534.60 Td (imothy F) Tj ET Q q 0 0 0 rg BT 353.74 534.60 Td (. Keaney) Tj ET Q q 0 0 0 rg BT 388.63 534.60 Td (, ) Tj ET Q q 0 0 0 rg BT 393.45 534.60 Td (Theodore H. Bunting, Jr) Tj ET Q q 0 0 0 rg BT 490.38 534.60 Td (., Cynthia L. Egan, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 521.2669921875 m 568.7421875 521.2669921875 l s q 0 0 0 rg BT 85.50 522.60 Td (Ronald P) Tj ET Q q 0 0 0 rg BT 121.34 522.60 Td (. O'Hanley) Tj ET Q q 0 0 0 rg BT 163.59 522.60 Td (, Francis L. Shammo, Joseph J. Echevarria, ) Tj ET Q q 0 0 0 rg BT 338.93 522.60 Td (Thomas R. ) Tj ET Q q 0 0 0 rg BT 385.13 522.60 Td (W) Tj ET Q q 0 0 0 rg BT 393.77 522.60 Td (atjen, Pamela H. Godwin, Edward J. Muhl, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 509.2669921875 m 243.517578125 509.2669921875 l s q 0 0 0 rg BT 85.50 510.60 Td (and Unum Group as nominal defendant) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.52 510.60 Td ( was filed in the United States District Court for the District of Delaware. ) Tj ET Q q 0 0 0 rg BT 541.59 510.60 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 498.60 Td (complaint purports to assert claims on behalf of the Company against certain current and past members of our Board of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 486.60 Td (Directors and Mr) Tj ET Q q 0 0 0 rg BT 153.82 486.60 Td (. McKenney for alleged misleading statements about the Company's long-term care business in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 474.60 Td (Company's proxy statement filed with the Securities and Exchange Commission on ) Tj ET Q q 0 0 0 rg BT 420.86 474.60 Td (April 13, 2017 in violation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 462.60 Td (Section 14\(a\) of the Securities Exchange ) Tj ET Q q 0 0 0 rg BT 250.45 462.60 Td (Act of 1934. ) Tj ET Q q 0 0 0 rg BT 305.53 462.60 Td (The complaint also purports to assert claims on behalf of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 450.60 Td (Company against all individual defendants arising out of the Company's long-term care business for breach of fiduciary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 438.60 Td (duties, waste of corporate assets and unjust enrichment. ) Tj ET Q q 0 0 0 rg BT 312.76 438.60 Td (The complaint seeks compensatory damages in an amount to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 426.60 Td (be proven at trial, changes to corporate governance and internal procedures, equitable and injunctive relief, restitution, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 414.60 Td (costs, expenses, and attorney's fees. ) Tj ET Q q 0 0 0 rg BT 232.91 414.60 Td (The Company strongly denies these allegations and will vigorously defend the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 402.60 Td (litigation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 378.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 378.60 Td (On October 23, 2018, a purported shareholder derivative lawsuit entitled ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 378.7470703125 377.2669921875 m 548.4296875 377.2669921875 l s q 0 0 0 rg BT 378.75 378.60 Td (Steven Jenkins, Derivatively on Behalf of ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 365.2669921875 m 567.765625 365.2669921875 l s q 0 0 0 rg BT 85.50 366.60 Td (Unum Group v) Tj ET Q q 0 0 0 rg BT 145.40 366.60 Td (. Richard P) Tj ET Q q 0 0 0 rg BT 189.01 366.60 Td (. McKenney) Tj ET Q q 0 0 0 rg BT 237.79 366.60 Td (, John F) Tj ET Q q 0 0 0 rg BT 268.94 366.60 Td (. McGarry) Tj ET Q q 0 0 0 rg BT 309.94 366.60 Td (, Daniel J. ) Tj ET Q q 0 0 0 rg BT 352.81 366.60 Td (W) Tj ET Q q 0 0 0 rg BT 361.45 366.60 Td (axenber) Tj ET Q q 0 0 0 rg BT 392.91 366.60 Td (g, Steve Zabel, Kevin ) Tj ET Q q 0 0 0 rg BT 482.15 366.60 Td (T) Tj ET Q q 0 0 0 rg BT 487.52 366.60 Td (. Kabat, E. Michael ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 353.2669921875 m 539.4208984375 353.2669921875 l s q 0 0 0 rg BT 85.50 354.60 Td (Caulfield, Gloria C. Larson, ) Tj ET Q q 0 0 0 rg BT 200.02 354.60 Td (T) Tj ET Q q 0 0 0 rg BT 205.77 354.60 Td (imothy F) Tj ET Q q 0 0 0 rg BT 241.37 354.60 Td (. Keaney) Tj ET Q q 0 0 0 rg BT 276.26 354.60 Td (, ) Tj ET Q q 0 0 0 rg BT 281.08 354.60 Td (Theodore H. Bunting, Jr) Tj ET Q q 0 0 0 rg BT 378.01 354.60 Td (., Cynthia L. Egan, Ronald P) Tj ET Q q 0 0 0 rg BT 492.17 354.60 Td (. O'Hanley) Tj ET Q q 0 0 0 rg BT 534.42 354.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 341.2669921875 m 566.7548828125 341.2669921875 l s q 0 0 0 rg BT 85.50 342.60 Td (Francis J. Shammo, Joseph J. Echevarria, ) Tj ET Q q 0 0 0 rg BT 253.62 342.60 Td (Thomas R. ) Tj ET Q q 0 0 0 rg BT 299.83 342.60 Td (W) Tj ET Q q 0 0 0 rg BT 308.46 342.60 Td (atjen, Pamela H. Godwin, Edward J. Muhl, and Unum Group as ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 329.2669921875 m 160.197265625 329.2669921875 l s q 0 0 0 rg BT 85.50 330.60 Td (nominal defendant) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.20 330.60 Td ( was filed in the United States District Court for the District of Delaware. ) Tj ET Q q 0 0 0 rg BT 458.27 330.60 Td (The defendants, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 318.60 Td (allegations, and damages claimed mirror those in the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 299.044921875 317.2669921875 m 336.828125 317.2669921875 l s q 0 0 0 rg BT 299.04 318.60 Td (Gusinsky) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.83 318.60 Td ( matter) Tj ET Q q 0 0 0 rg BT 364.32 318.60 Td (. ) Tj ET Q q 0 0 0 rg BT 371.64 318.60 Td (The Company strongly denies these allegations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 306.60 Td (and will vigorously defend the litigation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 282.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 282.60 Td (On November 1, 2018, a purported shareholder derivative lawsuit entitled ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 383.7470703125 281.2669921875 m 546.759765625 281.2669921875 l s q 0 0 0 rg BT 383.75 282.60 Td (Julie Nguyen, Derivatively on Behalf of ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 269.2669921875 m 567.765625 269.2669921875 l s q 0 0 0 rg BT 85.50 270.60 Td (Unum Group v) Tj ET Q q 0 0 0 rg BT 145.40 270.60 Td (. Richard P) Tj ET Q q 0 0 0 rg BT 189.01 270.60 Td (. McKenney) Tj ET Q q 0 0 0 rg BT 237.79 270.60 Td (, John F) Tj ET Q q 0 0 0 rg BT 268.94 270.60 Td (. McGarry) Tj ET Q q 0 0 0 rg BT 309.94 270.60 Td (, Daniel J. ) Tj ET Q q 0 0 0 rg BT 352.81 270.60 Td (W) Tj ET Q q 0 0 0 rg BT 361.45 270.60 Td (axenber) Tj ET Q q 0 0 0 rg BT 392.91 270.60 Td (g, Steve Zabel, Kevin ) Tj ET Q q 0 0 0 rg BT 482.15 270.60 Td (T) Tj ET Q q 0 0 0 rg BT 487.52 270.60 Td (. Kabat, E. Michael ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 257.2669921875 m 539.4208984375 257.2669921875 l s q 0 0 0 rg BT 85.50 258.60 Td (Caulfield, Gloria C. Larson, ) Tj ET Q q 0 0 0 rg BT 200.02 258.60 Td (T) Tj ET Q q 0 0 0 rg BT 205.77 258.60 Td (imothy F) Tj ET Q q 0 0 0 rg BT 241.37 258.60 Td (. Keaney) Tj ET Q q 0 0 0 rg BT 276.26 258.60 Td (, ) Tj ET Q q 0 0 0 rg BT 281.08 258.60 Td (Theodore H. Bunting, Jr) Tj ET Q q 0 0 0 rg BT 378.01 258.60 Td (., Cynthia L. Egan, Ronald P) Tj ET Q q 0 0 0 rg BT 492.17 258.60 Td (. O'Hanley) Tj ET Q q 0 0 0 rg BT 534.42 258.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 245.26699218750002 m 566.7548828125 245.26699218750002 l s q 0 0 0 rg BT 85.50 246.60 Td (Francis J. Shammo, Joseph J. Echevarria, ) Tj ET Q q 0 0 0 rg BT 253.62 246.60 Td (Thomas R. ) Tj ET Q q 0 0 0 rg BT 299.83 246.60 Td (W) Tj ET Q q 0 0 0 rg BT 308.46 246.60 Td (atjen, Pamela H. Godwin, Edward J. Muhl, and Unum Group as ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 233.26699218750002 m 160.197265625 233.26699218750002 l s q 0 0 0 rg BT 85.50 234.60 Td (nominal defendant) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.20 234.60 Td ( was filed in the United States District Court for the District of Delaware. ) Tj ET Q q 0 0 0 rg BT 458.27 234.60 Td (The defendants, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 222.60 Td (allegations, and damages claimed mirror those in the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 299.044921875 221.26699218750002 m 336.828125 221.26699218750002 l s q 0 0 0 rg BT 299.04 222.60 Td (Gusinsky) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.83 222.60 Td ( matter) Tj ET Q q 0 0 0 rg BT 364.32 222.60 Td (. ) Tj ET Q q 0 0 0 rg BT 371.64 222.60 Td (The Company strongly denies these allegations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 210.60 Td (and will vigorously defend the litigation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 186.60 Td (On December 10, 2018, the court consolidated the ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 253.328125 185.26699218750002 m 290.78662109375 185.26699218750002 l s q 0 0 0 rg BT 253.33 186.60 Td (Gusinsky) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.46 186.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 295.4619140625 185.26699218750002 m 325.4619140625 185.26699218750002 l s q 0 0 0 rg BT 295.46 186.60 Td (Jenkins) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.46 186.60 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 347.400390625 185.26699218750002 m 379.060546875 185.26699218750002 l s q 0 0 0 rg BT 347.40 186.60 Td (Nguyen) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.06 186.60 Td ( cases into one matter entitled ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 500.6865234375 185.26699218750002 m 549.28515625 185.26699218750002 l s q 0 0 0 rg BT 500.69 186.60 Td (In re Unum ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 49.5 173.26699218750002 m 212.517578125 173.26699218750002 l s q 0 0 0 rg BT 49.50 174.60 Td (Group Stockholder Derivative Litigation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.52 174.60 Td (, appointed co-lead counsel and liaison counsel for plaintif) Tj ET Q q 0 0 0 rg BT 446.43 174.60 Td (fs and directed the parties to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 162.60 Td (propose a schedule of proceedings for the consolidated matter) Tj ET Q q 0 0 0 rg BT 296.64 162.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 138.60 Td (These lawsuits are in a very preliminary stage, the outcome is uncertain, and the Company is unable to estimate a range of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 126.60 Td (reasonably possible losses. Reserves have not been established for these matters. ) Tj ET Q q 0 0 0 rg BT 379.14 126.60 Td (Although we believe these claims lack merit, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 114.60 Td (an adverse outcome in one or more of these actions could, depending on the nature, scope, and amount of the ruling, materially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 102.60 Td (adversely af) Tj ET Q q 0 0 0 rg BT 97.90 102.60 Td (fect our consolidated results of operations in a period.) Tj ET Q endstream endobj 383 0 obj <> endobj 384 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 15 - Statutory Financial Information) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (187) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 689.40 Td (Statutory Net Income, Capital and Surplus, and Dividends) Tj ET Q BT /F2 12.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 289.82 689.40 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 49.50 665.40 Td (Statutory net income for U.S. life insurance companies is reported in conformity with statutory accounting principles prescribed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 653.40 Td (by the National ) Tj ET Q q 0 0 0 rg BT 113.10 653.40 Td (Association of Insurance Commissioners \(NAIC\) and adopted by applicable domiciliary state laws. ) Tj ET Q q 0 0 0 rg BT 515.60 653.40 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 641.40 Td (commissioners of the states of domicile have the right to permit other specific practices that may deviate from prescribed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 629.40 Td (practices. Our traditional U.S. life insurance subsidiaries have no prescribed or permitted statutory accounting practices that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 617.40 Td (dif) Tj ET Q q 0 0 0 rg BT 60.43 617.40 Td (fer materially from statutory accounting principles prescribed by the NAIC. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 593.40 Td (Certain of our traditional U.S. life insurance subsidiaries cede blocks of business to Northwind Re and Fairwind Insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 581.40 Td (Company \(Fairwind\), both of which are af) Tj ET Q q 0 0 0 rg BT 219.00 581.40 Td (filiated captive reinsurance subsidiaries \(captive reinsurers\) domiciled in the United ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 569.40 Td (States, with Unum Group as the ultimate parent. ) Tj ET Q q 0 0 0 rg BT 247.34 569.40 Td (These captive reinsurers were established for the limited purpose of reinsuring ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 557.40 Td (risks attributable to specified policies issued or reinsured by our life insurance subsidiaries. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 533.40 Td (Fairwind, which is domiciled in the state of ) Tj ET Q q 0 0 0 rg BT 225.68 533.40 Td (V) Tj ET Q q 0 0 0 rg BT 231.79 533.40 Td (ermont, is required to follow GAAP) Tj ET Q q 0 0 0 rg BT 375.84 533.40 Td ( in accordance with ) Tj ET Q q 0 0 0 rg BT 456.18 533.40 Td (V) Tj ET Q q 0 0 0 rg BT 462.29 533.40 Td (ermont reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 521.40 Td (requirements for pure captive insurance companies, unless the commissioner permits the use of some other basis of accounting. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 509.40 Td (Fairwind has permission from ) Tj ET Q q 0 0 0 rg BT 172.08 509.40 Td (V) Tj ET Q q 0 0 0 rg BT 178.20 509.40 Td (ermont to follow accounting practices that are generally consistent with current NAIC statutory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 497.40 Td (accounting principles for its insurance reserves and invested assets supporting reserves. ) Tj ET Q q 0 0 0 rg BT 403.57 497.40 Td (All other assets and liabilities are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 485.40 Td (accounted for in accordance with GAAP) Tj ET Q q 0 0 0 rg BT 210.83 485.40 Td (, as prescribed by ) Tj ET Q q 0 0 0 rg BT 283.12 485.40 Td (V) Tj ET Q q 0 0 0 rg BT 289.24 485.40 Td (ermont, which allows for the full recognition of deferred tax assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 473.40 Td (which are more likely than not to be realized. Statutory accounting principles have a stricter limitation for the recognition of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 461.40 Td (deferred tax assets. ) Tj ET Q q 0 0 0 rg BT 130.67 461.40 Td (The impact of following the prescribed and permitted practices of ) Tj ET Q q 0 0 0 rg BT 395.95 461.40 Td (V) Tj ET Q q 0 0 0 rg BT 402.06 461.40 Td (ermont rather than statutory accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 449.40 Td (principles prescribed by the NAIC resulted in higher capital and surplus for Fairwind of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.56 449.40 Td ($137 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.95 449.40 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.39 449.40 Td ($142 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 437.40 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 437.40 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.55 437.40 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.14 437.40 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.57 437.40 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.57 437.40 Td ( respectively) Tj ET Q q 0 0 0 rg BT 270.74 437.40 Td (. Included in the 2018 results for Fairwind was the assumed portion of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 425.40 Td (the statutory impact of the long-term care reserve increase from Unum ) Tj ET Q q 0 0 0 rg BT 333.56 425.40 Td (America. Included in the 2017 results for Fairwind was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 413.40 Td (the revaluation of the deferred tax asset at the new corporate rate of 21 percent resulting from the enactment of ) Tj ET Q q 0 0 0 rg BT 494.68 413.40 Td (TCJA. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 401.40 Td (Northwind Re has no material state prescribed accounting practices that dif) Tj ET Q q 0 0 0 rg BT 350.33 401.40 Td (fer from statutory accounting principles prescribed by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 389.40 Td (the NAIC. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 365.40 Td (The operating results and capital and surplus of our traditional U.S. life insurance subsidiaries and our captive reinsurers, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 353.40 Td (prepared in accordance with prescribed or permitted accounting practices of the NAIC or states of domicile, are presented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 341.40 Td (separately below) Tj ET Q q 0 0 0 rg BT 116.32 341.40 Td (. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 288.90 300.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.75 288.90 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 288.90 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.75 288.90 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.75 288.90 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 288.90 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 260.90 300.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.75 260.90 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 260.90 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.75 260.90 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.75 260.90 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 260.90 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 232.90 300.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.75 232.90 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 232.90 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.75 232.90 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.75 232.90 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 232.90 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 204.90 300.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.75 204.90 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 204.90 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.75 204.90 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.75 204.90 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 204.90 70.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 316.9 m 418.75 316.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 316.9 m 422.75 316.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 316.9 m 492.75 316.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.75 316.9 m 496.75 316.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 316.9 m 566.75 316.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 302.9 m 418.75 302.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 302.9 m 492.75 302.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 302.9 m 566.75 302.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 288.9 m 418.75 288.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 288.9 m 422.75 288.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 288.9 m 492.75 288.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.75 288.9 m 496.75 288.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 288.9 m 566.75 288.9 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.95 321.47 Td (Y) Tj ET Q q 0 0 0 rg BT 412.67 321.47 Td (ear Ended December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.25 307.47 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.25 307.47 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.25 307.47 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.10 293.47 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 279.58 Td (Combined Net Income \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 265.47 Td (T) Tj ET Q q 0 0 0 rg BT 63.18 265.47 Td (raditional U.S. Life Insurance Subsidiaries) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.25 265.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.40 265.47 Td (953.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.25 265.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.40 265.47 Td (807.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.25 265.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 265.47 Td (855.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 251.47 Td (Captive Reinsurers) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.25 251.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.05 251.52 Td (\(109.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.90 251.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.25 251.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.05 251.52 Td (\(137.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.90 251.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.25 251.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 251.47 Td (48.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 223.58 Td (Combined Net Gain \(Loss\) fr) Tj ET Q q 0 0 0 rg BT 175.51 223.58 Td (om Operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 209.47 Td (T) Tj ET Q q 0 0 0 rg BT 63.18 209.47 Td (raditional U.S. Life Insurance Subsidiaries) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.25 209.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.40 209.47 Td (959.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.25 209.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.40 209.47 Td (812.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.25 209.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.40 209.47 Td (884.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 195.47 Td (Captive Reinsurers) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.25 195.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.05 195.52 Td (\(1) Tj ET Q q 0 0 0 rg BT 397.38 195.52 Td (10.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.90 195.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.25 195.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.05 195.52 Td (\(143.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.90 195.47 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.25 195.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.40 195.47 Td (50.6) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 126.90 374.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.75 126.90 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.75 126.90 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 126.90 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 98.90 374.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.75 98.90 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.75 98.90 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 98.90 70.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 154.89999999999998 m 492.75 154.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.75 154.89999999999998 m 496.75 154.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 154.89999999999998 m 566.75 154.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 140.89999999999998 m 492.75 140.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 140.89999999999998 m 566.75 140.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 126.89999999999998 m 492.75 126.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.75 126.89999999999998 m 496.75 126.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 126.89999999999998 m 566.75 126.89999999999998 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.45 159.47 Td (December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.25 145.47 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.25 145.47 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.10 131.47 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 117.58 Td (Combined Capital and Surplus) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 103.47 Td (T) Tj ET Q q 0 0 0 rg BT 63.18 103.47 Td (raditional U.S. Life Insurance Subsidiaries) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.25 103.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.90 103.47 Td (3,572.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.25 103.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 103.47 Td (3,448.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.25 89.47 Td (Captive Reinsurers) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.25 89.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.90 89.47 Td (1,766.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.25 89.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.90 89.47 Td (1,606.9) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 61.40 Td (Solvency II, a European Union directive prescribes capital requirements and risk management standards for the European ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 49.40 Td (insurance industry) Tj ET Q q 0 0 0 rg BT 122.44 49.40 Td (. ) Tj ET Q q 0 0 0 rg BT 129.39 49.40 Td (As derived from the most recent annual financial statements based on Solvency II requirements, regulatory ) Tj ET Q endstream endobj 385 0 obj <> endobj 386 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 15 - Statutory Financial Information - Continued) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (188) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (net income and own funds available of our United Kingdom insurance subsidiary) Tj ET Q q 0 0 0 rg BT 374.05 690.60 Td (, Unum Limited, were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.14 690.60 Td (78.7 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.03 690.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.47 690.60 Td (672.3 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 678.60 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 678.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 131.05 678.60 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 654.60 Td (Risk) Tj ET Q /GS0 gs q 3.00 0 0 10.09 67.84 652.44 cm /I22 Do Q q 0 0 0 rg BT 70.84 654.60 Td (based ) Tj ET Q q 0 0 0 rg BT 96.11 654.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 125.26 654.60 Td (\(RBC\) ) Tj ET Q q 0 0 0 rg BT 154.43 654.60 Td (standards ) Tj ET Q q 0 0 0 rg BT 194.70 654.60 Td (for ) Tj ET Q q 0 0 0 rg BT 208.86 654.60 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 229.14 654.60 Td (life ) Tj ET Q q 0 0 0 rg BT 244.96 654.60 Td (insurance ) Tj ET Q q 0 0 0 rg BT 285.78 654.60 Td (companies ) Tj ET Q q 0 0 0 rg BT 331.04 654.60 Td (are ) Tj ET Q q 0 0 0 rg BT 345.75 654.60 Td (prescribed ) Tj ET Q q 0 0 0 rg BT 389.90 654.60 Td (by ) Tj ET Q q 0 0 0 rg BT 402.40 654.60 Td (the ) Tj ET Q q 0 0 0 rg BT 417.11 654.60 Td (NAIC. ) Tj ET Q q 0 0 0 rg BT 446.56 654.60 Td ( ) Tj ET Q q 0 0 0 rg BT 448.88 654.60 Td (The ) Tj ET Q q 0 0 0 rg BT 466.92 654.60 Td (domiciliary ) Tj ET Q q 0 0 0 rg BT 515.52 654.60 Td (states ) Tj ET Q q 0 0 0 rg BT 540.24 654.60 Td (of ) Tj ET Q q 0 0 0 rg BT 551.07 654.60 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 642.60 Td (U.S. insurance subsidiaries have all adopted a version of the RBC model formula of the NAIC, which prescribes a system for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 630.60 Td (assessing the adequacy of statutory capital and surplus for all life and health insurers. ) Tj ET Q q 0 0 0 rg BT 395.33 630.60 Td (The basis of the system is a risk-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 618.60 Td (formula that applies prescribed factors to the various risk elements in a life and health insurer's business to report a minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 606.60 Td (capital requirement proportional to the amount of risk assumed by the insurer) Tj ET Q q 0 0 0 rg BT 358.59 606.60 Td (. ) Tj ET Q q 0 0 0 rg BT 365.91 606.60 Td (The life and health RBC formula is designed to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 594.60 Td (measure annually \(i\) the risk of loss from asset defaults and asset value fluctuations, \(ii\) the risk of loss from adverse mortality ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 582.60 Td (and morbidity experience, \(iii\) the risk of loss from mismatching of asset and liability cash flow due to changing interest rates, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 570.60 Td (and \(iv\) business risks. ) Tj ET Q q 0 0 0 rg BT 145.98 570.60 Td (The formula is used as an early warning tool to identify companies that are potentially inadequately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 558.60 Td (capitalized. State insurance laws grant insurance regulators the authority to require various actions by) Tj ET Q q 0 0 0 rg BT 457.32 558.60 Td (, or take various actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 546.60 Td (against, insurers whose total adjusted capital does not meet or exceed certain RBC levels. ) Tj ET Q q 0 0 0 rg BT 412.27 546.60 Td (The impacts of the ) Tj ET Q q 0 0 0 rg BT 489.29 546.60 Td (TCJA, particularly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 534.60 Td (the decrease in the U.S. corporate tax rate, resulted in both the reduction of our admitted deferred tax assets and the increase of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 522.60 Td (RBC factors adopted by the NAIC, which has reduced our RBC ratios; however) Tj ET Q q 0 0 0 rg BT 369.31 522.60 Td (, the total adjusted capital of each of our U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 510.60 Td (insurance subsidiaries at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.75 510.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.33 510.60 Td ( is in excess of those RBC levels.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 486.60 Td (Restrictions under applicable state insurance laws limit the amount of dividends that can be paid to a parent company from its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 474.60 Td (insurance subsidiaries in any 12-month period without prior approval by regulatory authorities. For life insurance companies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 462.60 Td (domiciled in the U.S., that limitation generally equals, depending on the state of domicile, either ten percent of an insurer's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 450.60 Td (statutory surplus with respect to policyholders as of the preceding year end or the statutory net gain from operations, excluding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 438.60 Td (realized investment gains and losses, of the preceding year) Tj ET Q q 0 0 0 rg BT 283.59 438.60 Td (. ) Tj ET Q q 0 0 0 rg BT 290.91 438.60 Td (The payment of dividends to a parent company from a life insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 426.60 Td (subsidiary is generally further limited to the amount of unassigned funds. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 402.60 Td (Based on the restrictions under current law) Tj ET Q q 0 0 0 rg BT 220.46 402.60 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.46 402.60 Td ($994.9 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.35 402.60 Td ( is available, without prior approval by regulatory authorities, during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.60 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 390.60 Td ( for the payment of dividends to Unum Group from its traditional U.S. life insurance subsidiaries. ) Tj ET Q q 0 0 0 rg BT 464.80 390.60 Td (The ability of our captive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 378.60 Td (insurers to pay dividends to their respective parent companies will depend on their satisfaction of applicable regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 366.60 Td (requirements and on the performance of the business reinsured. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 342.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 342.60 Td (e also have the ability to receive dividends from our foreign subsidiaries, primarily in the U.K., for which the payment may be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 330.60 Td (subject to applicable insurance company regulations and capital guidance. ) Tj ET Q q 0 0 0 rg BT 350.60 330.60 Td (W) Tj ET Q q 0 0 0 rg BT 359.24 330.60 Td (e have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.55 330.60 Td (140.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.44 330.60 Td ( available for the payment of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 318.60 Td (dividends from Unum Limited during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.09 318.60 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.09 318.60 Td (, subject to regulatory approval. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 294.60 Td (Deposits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 270.60 Td (Our U.S. insurance subsidiaries had on deposit with U.S. regulatory authorities securities with a book value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.03 270.60 Td ($155.7 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.92 270.60 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 258.60 Td (both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.78 258.60 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.36 258.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.80 258.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.80 258.60 Td (, held for the protection of policyholders. ) Tj ET Q endstream endobj 387 0 obj <> endobj 388 0 obj <> stream BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 760.75 Td (NOTES T) Tj ET Q q 0 0 0 rg BT 91.21 760.75 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 158.17 760.75 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 235.31 760.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 248.93 760.75 Td (A) Tj ET Q q 0 0 0 rg BT 255.05 760.75 Td (TEMENTS - Continued) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.75 Td (Unum Group and Subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 712.75 Td (Note 16 - Quarterly Results of Operations \(Unaudited\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (189) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 690.60 Td (The following is a summary of our unaudited quarterly results of operations for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.70 690.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.70 690.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.14 690.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.14 690.60 Td (: ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 638.10 262.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.25 638.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.25 638.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 638.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.25 638.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.25 638.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 638.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 638.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 610.10 262.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.25 610.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.25 610.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 610.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.25 610.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.25 610.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 610.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 610.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 582.10 262.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.25 582.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.25 582.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 582.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.25 582.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.25 582.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 582.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 582.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 554.10 262.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.25 554.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.25 554.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 554.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.25 554.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.25 554.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 554.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 554.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 526.10 262.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.25 526.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.25 526.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 526.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.25 526.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.25 526.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 526.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 526.10 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.25 666.1 m 371.25 666.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.25 666.1 m 376.25 666.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 666.1 m 436.25 666.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.25 666.1 m 441.25 666.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.25 666.1 m 501.25 666.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.25 666.1 m 506.25 666.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 666.1 m 566.25 666.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.25 652.1 m 371.25 652.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 652.1 m 436.25 652.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.25 652.1 m 501.25 652.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 652.1 m 566.25 652.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.25 638.1 m 371.25 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.25 638.1 m 376.25 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 638.1 m 436.25 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.25 638.1 m 441.25 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.25 638.1 m 501.25 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.25 638.1 m 506.25 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 638.1 m 566.25 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.25 638.1 m 371.25 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.25 638.1 m 376.25 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 638.1 m 436.25 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.25 638.1 m 441.25 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.25 638.1 m 501.25 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.25 638.1 m 506.25 638.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 638.1 m 566.25 638.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.25 670.67 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.70 656.67 Td (4) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 340.70 661.20 Td (th) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 656.67 Td (3) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 405.50 661.20 Td (rd) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.00 656.67 Td (2) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 470.00 661.20 Td (nd) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.05 656.67 Td (1) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 536.05 661.20 Td (st) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.15 642.67 Td (\(in millions of dollars, except share data\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 628.67 Td (Premium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.75 628.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.40 628.67 Td (2,263.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.75 628.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.40 628.67 Td (2,251.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.75 628.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.40 628.67 Td (2,221.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.75 628.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 628.67 Td (2,250.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 614.67 Td (Net Investment Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.90 614.67 Td (608.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.90 614.67 Td (619.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.90 614.67 Td (623.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 614.67 Td (602.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 600.67 Td (Net Realized Investment Gain \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.55 600.72 Td (\(41.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.40 600.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.90 600.67 Td (6.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.55 600.72 Td (\(2.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.40 600.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.55 600.67 Td (\(2.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 600.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 586.67 Td (T) Tj ET Q q 0 0 0 rg BT 57.51 586.67 Td (otal Revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.40 586.67 Td (2,880.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.40 586.67 Td (2,927.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.40 586.67 Td (2,890.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 586.67 Td (2,899.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 572.67 Td (Income \(Loss\) Before Income ) Tj ET Q q 0 0 0 rg BT 174.39 572.67 Td (T) Tj ET Q q 0 0 0 rg BT 180.06 572.67 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.90 572.67 Td (309.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.55 572.72 Td (\(377.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.40 572.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.90 572.67 Td (354.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 572.67 Td (341.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 558.67 Td (Net Income \(Loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.90 558.67 Td (249.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.55 558.72 Td (\(284.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.40 558.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.90 558.67 Td (285.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 558.67 Td (273.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 544.67 Td (Net Income \(Loss\) Per Common Share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 530.67 Td (Basic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.90 530.67 Td (1.15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.55 530.72 Td (\(1.30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.40 530.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.90 530.67 Td (1.29) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 530.67 Td (1.23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 516.67 Td (Assuming Dilution) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.90 516.67 Td (1.15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.55 516.72 Td (\(1.30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.40 516.67 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.90 516.67 Td (1.29) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 516.67 Td (1.23) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 460.10 262.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.25 460.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.25 460.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 460.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.25 460.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.25 460.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 460.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 460.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 432.10 262.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.25 432.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.25 432.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 432.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.25 432.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.25 432.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 432.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 432.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 404.10 262.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.25 404.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.25 404.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 404.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.25 404.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.25 404.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 404.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 404.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 376.10 262.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.25 376.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.25 376.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 376.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.25 376.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.25 376.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 376.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 376.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 348.10 262.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.25 348.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.25 348.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 348.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.25 348.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.25 348.10 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.25 348.10 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 348.10 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.25 488.1 m 371.25 488.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.25 488.1 m 376.25 488.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 488.1 m 436.25 488.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.25 488.1 m 441.25 488.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.25 488.1 m 501.25 488.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.25 488.1 m 506.25 488.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 488.1 m 566.25 488.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.25 474.1 m 371.25 474.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 474.1 m 436.25 474.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.25 474.1 m 501.25 474.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 474.1 m 566.25 474.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.25 460.1 m 371.25 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.25 460.1 m 376.25 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 460.1 m 436.25 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.25 460.1 m 441.25 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.25 460.1 m 501.25 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.25 460.1 m 506.25 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 460.1 m 566.25 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.25 460.1 m 371.25 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 460.1 m 436.25 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.25 460.1 m 501.25 460.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 460.1 m 566.25 460.1 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.25 492.67 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.70 478.67 Td (4) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 340.70 483.20 Td (th) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 478.67 Td (3) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 405.50 483.20 Td (rd) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.00 478.67 Td (2) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 470.00 483.20 Td (nd) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.05 478.67 Td (1) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 536.05 483.20 Td (st) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.15 464.67 Td (\(in millions of dollars, except share data\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 450.67 Td (Premium Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.75 450.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.40 450.67 Td (2,158.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.75 450.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.40 450.67 Td (2,153.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.75 450.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.40 450.67 Td (2,142.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.75 450.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 450.67 Td (2,142.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 436.67 Td (Net Investment Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.90 436.67 Td (619.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.90 436.67 Td (609.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.90 436.67 Td (620.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 436.67 Td (602.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 422.67 Td (Net Realized Investment Gain) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.90 422.67 Td (1) Tj ET Q q 0 0 0 rg BT 354.90 422.67 Td (1.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.90 422.67 Td (9.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.90 422.67 Td (8.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 422.67 Td (1) Tj ET Q q 0 0 0 rg BT 549.90 422.67 Td (1.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 408.67 Td (T) Tj ET Q q 0 0 0 rg BT 57.51 408.67 Td (otal Revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.40 408.67 Td (2,839.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.40 408.67 Td (2,819.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.40 408.67 Td (2,822.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 408.67 Td (2,806.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 394.67 Td (Income Before Income ) Tj ET Q q 0 0 0 rg BT 146.34 394.67 Td (T) Tj ET Q q 0 0 0 rg BT 152.01 394.67 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.90 394.67 Td (345.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.90 394.67 Td (366.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.90 394.67 Td (361.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 394.67 Td (330.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 380.67 Td (Net Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.90 380.67 Td (266.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.90 380.67 Td (252.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.90 380.67 Td (245.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 380.67 Td (229.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 366.67 Td (Net Income Per Common Share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 352.67 Td (Basic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.90 352.67 Td (1.19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.90 352.67 Td (1.12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.90 352.67 Td (1.08) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 352.67 Td (1.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 338.67 Td (Assuming Dilution) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.90 338.67 Td (1.19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.90 338.67 Td (1.12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.90 338.67 Td (1.07) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 338.67 Td (1.00) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.60 Td (Items af) Tj ET Q q 0 0 0 rg BT 81.80 310.60 Td (fecting the comparability of our financial results are as follows: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 286.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 286.60 Td (Third quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.86 286.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.86 286.60 Td ( reserve increase of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.81 286.60 Td ($750.8 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.71 286.60 Td ( before tax and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.90 286.60 Td ($593.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.79 286.60 Td ( after tax related to long-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 274.60 Td (care.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 262.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 262.60 Td (Fourth quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.32 262.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.32 262.60 Td ( reserve increase of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.27 262.60 Td ($39.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.16 262.60 Td ( before tax and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.35 262.60 Td ($25.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.24 262.60 Td ( after tax related to unclaimed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 250.60 Td (death benefits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 238.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 238.60 Td (Fourth quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.32 238.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.32 238.60 Td ( net tax benefit of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.34 238.60 Td ($31.5 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.23 238.60 Td ( related to the ) Tj ET Q q 0 0 0 rg BT 360.25 238.60 Td (TCJA.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 226.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 226.60 Td (First quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.99 226.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.99 226.60 Td ( loss from a guaranty fund assessment related to an unaf) Tj ET Q q 0 0 0 rg BT 392.18 226.60 Td (filiated insurer that was declared insolvent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 214.60 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.33 214.60 Td ($20.6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.22 214.60 Td ( before tax and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.41 214.60 Td ($13.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.31 214.60 Td ( after tax. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 190.60 Td (See Notes 6, 7, and 14 for further discussion of the above items.) Tj ET Q endstream endobj 389 0 obj <> endobj 390 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (190) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 735.75 Td (ITEM 9. CHANGES IN ) Tj ET Q q 0 0 0 rg BT 153.68 735.75 Td (AND DISAGREEMENTS ) Tj ET Q q 0 0 0 rg BT 267.97 735.75 Td (WITH ) Tj ET Q q 0 0 0 rg BT 298.25 735.75 Td (ACCOUNT) Tj ET Q q 0 0 0 rg BT 348.07 735.75 Td (ANTS ON ) Tj ET Q q 0 0 0 rg BT 394.19 735.75 Td (ACCOUNTING ) Tj ET Q q 0 0 0 rg BT 465.59 735.75 Td (AND FINANCIAL) Tj ET Q q 0 0 0 rg BT 545.87 735.75 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 723.75 Td (DISCLOSURE) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.75 Td (None) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 675.75 Td (ITEM 9A. CONTROLS ) Tj ET Q q 0 0 0 rg BT 153.96 675.75 Td (AND PROCEDURES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.75 Td (Under the supervision and with the participation of our management, including our Chief Executive Of) Tj ET Q q 0 0 0 rg BT 461.71 651.75 Td (ficer and Chief Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.75 Td (Of) Tj ET Q q 0 0 0 rg BT 59.87 639.75 Td (ficer) Tj ET Q q 0 0 0 rg BT 77.79 639.75 Td (, we have evaluated the ef) Tj ET Q q 0 0 0 rg BT 181.44 639.75 Td (fectiveness of our disclosure controls and procedures, as defined in Rule 13a-15\(e\) under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.75 Td (Securities Exchange ) Tj ET Q q 0 0 0 rg BT 132.81 627.75 Td (Act of 1934, as amended, as of the end of the period covered by this report. ) Tj ET Q q 0 0 0 rg BT 439.20 627.75 Td (W) Tj ET Q q 0 0 0 rg BT 447.83 627.75 Td (e evaluated those controls ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.75 Td (based on the 2013 Internal Control - Integrated Framework from the Committee of Sponsoring Or) Tj ET Q q 0 0 0 rg BT 441.45 615.75 Td (ganizations of the ) Tj ET Q q 0 0 0 rg BT 514.86 615.75 Td (T) Tj ET Q q 0 0 0 rg BT 520.62 615.75 Td (readway ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.75 Td (Commission. Based on that evaluation, these of) Tj ET Q q 0 0 0 rg BT 242.35 603.75 Td (ficers concluded that our disclosure controls and procedures were ef) Tj ET Q q 0 0 0 rg BT 514.56 603.75 Td (fective as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.08 591.75 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.75 Td (There have been no changes in our internal control over financial reporting, as defined in Rule 13a-15\(f\) under the Securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.75 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 90.87 555.75 Td (Act of 1934, as amended, during the quarter ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.08 555.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.67 555.75 Td ( that have materially af) Tj ET Q q 0 0 0 rg BT 466.66 555.75 Td (fected, or are reasonably ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.75 Td (likely to materially af) Tj ET Q q 0 0 0 rg BT 135.68 543.75 Td (fect, our internal control over financial reporting.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 519.75 Td (Management's ) Tj ET Q q 0 0 0 rg BT 114.22 519.75 Td (Annual Report on Internal Contr) Tj ET Q q 0 0 0 rg BT 256.82 519.75 Td (ol over) Tj ET Q q 0 0 0 rg BT 285.80 519.75 Td ( Financial Reporting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.75 Td (The Company's management is responsible for establishing and maintaining adequate internal control over financial reporting, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.75 Td (defined in Rule 13a-15\(f\) under the Securities Exchange ) Tj ET Q q 0 0 0 rg BT 277.20 483.75 Td (Act of 1934, as amended. ) Tj ET Q q 0 0 0 rg BT 384.21 483.75 Td (The Company's internal control over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.75 Td (financial reporting encompasses the processes and procedures management has established to \(i\) maintain records that, in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.75 Td (reasonable detail, accurately and fairly reflect the Company's transactions and dispositions of assets; \(ii\) provide reasonable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.75 Td (assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.75 Td (generally accepted accounting principles; \(iii\) provide reasonable assurance that receipts and expenditures are appropriately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.75 Td (authorized; and \(iv\) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.75 Td (disposition of the Company's assets that could have a material ef) Tj ET Q q 0 0 0 rg BT 307.73 411.75 Td (fect on the financial statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.75 Td (Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. In addition, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.75 Td (any projection of the evaluation of ef) Tj ET Q q 0 0 0 rg BT 197.60 375.75 Td (fectiveness to future periods is subject to the risk that controls may become inadequate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.75 Td (because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.75 Td (As permitted by the Securities and Exchange Commission, we have excluded from the scope of our assessment of internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.75 Td (control over financial reporting the operations and related assets and stockholders' equity of the companies we acquired during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.75 Td (2018. ) Tj ET Q q 0 0 0 rg BT 76.45 315.75 Td (At December 31, 2018, the combined total assets and total stockholders' equity for these companies constituted $364.8 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.75 Td (million and $154.2 million of the Company's total assets and total stockholder's equity) Tj ET Q q 0 0 0 rg BT 394.36 303.75 Td (, respectively) Tj ET Q q 0 0 0 rg BT 447.02 303.75 Td (, while total combined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.75 Td (revenues and net loss constituted $19.5 million and $1.4 million of the Company's total revenues and net income, respectively) Tj ET Q q 0 0 0 rg BT 553.04 291.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.75 Td (for the period from the date of the respective acquisitions through December 31, 2018. See "Executive Summary" contained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.75 Td (herein in Item 7 for further information. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 243.75 Td (e assessed the ef) Tj ET Q q 0 0 0 rg BT 123.76 243.75 Td (fectiveness of our internal control over financial reporting, based on criteria established in the 2013 Internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.75 Td (Control - Integrated Framework issued by the Committee of Sponsoring Or) Tj ET Q q 0 0 0 rg BT 350.94 231.75 Td (ganizations of the ) Tj ET Q q 0 0 0 rg BT 424.34 231.75 Td (T) Tj ET Q q 0 0 0 rg BT 430.10 231.75 Td (readway Commission, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.75 Td (concluded that, as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.75 219.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.33 219.75 Td (, we maintained ef) Tj ET Q q 0 0 0 rg BT 287.01 219.75 Td (fective internal control over financial reporting.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 195.75 Td (Attestation Report of the Company's Register) Tj ET Q q 0 0 0 rg BT 244.56 195.75 Td (ed Public ) Tj ET Q q 0 0 0 rg BT 286.24 195.75 Td (Accounting Firm) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.75 Td (Ernst & ) Tj ET Q q 0 0 0 rg BT 83.02 171.75 Td (Y) Tj ET Q q 0 0 0 rg BT 89.24 171.75 Td (oung LLP) Tj ET Q q 0 0 0 rg BT 128.41 171.75 Td (, the independent registered public accounting firm that audited our consolidated financial statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.75 Td (included herein, audited the ef) Tj ET Q q 0 0 0 rg BT 170.66 159.75 Td (fectiveness of our internal control over financial reporting, as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.17 159.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.76 159.75 Td (, and issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.75 Td (the attestation report included as follows.) Tj ET Q endstream endobj 391 0 obj <> endobj 392 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (191) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 183.30 723.60 Td (Report of Independent Register) Tj ET Q q 0 0 0 rg BT 318.38 723.60 Td (ed Public ) Tj ET Q q 0 0 0 rg BT 360.06 723.60 Td (Accounting Firm) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.60 Td (T) Tj ET Q q 0 0 0 rg BT 54.91 687.60 Td (o ) Tj ET Q q 0 0 0 rg BT 62.41 687.60 Td (the ) Tj ET Q q 0 0 0 rg BT 77.13 687.60 Td (Board ) Tj ET Q q 0 0 0 rg BT 104.07 687.60 Td (of ) Tj ET Q q 0 0 0 rg BT 114.90 687.60 Td (Directors ) Tj ET Q q 0 0 0 rg BT 154.60 687.60 Td (and ) Tj ET Q q 0 0 0 rg BT 171.54 687.60 Td (Stockholders ) Tj ET Q q 0 0 0 rg BT 226.26 687.60 Td (of ) Tj ET Q q 0 0 0 rg BT 237.09 687.60 Td (Unum ) Tj ET Q q 0 0 0 rg BT 264.59 687.60 Td (Group) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 663.60 Td (Opinion ) Tj ET Q q 0 0 0 rg BT 87.02 663.60 Td (on ) Tj ET Q q 0 0 0 rg BT 100.08 663.60 Td (Internal ) Tj ET Q q 0 0 0 rg BT 137.58 663.60 Td (Contr) Tj ET Q q 0 0 0 rg BT 162.95 663.60 Td (ol ) Tj ET Q q 0 0 0 rg BT 173.23 663.60 Td (over) Tj ET Q q 0 0 0 rg BT 191.93 663.60 Td ( ) Tj ET Q q 0 0 0 rg BT 194.43 663.60 Td (Financial ) Tj ET Q q 0 0 0 rg BT 236.93 663.60 Td (Reporting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 639.60 Td (e ) Tj ET Q q 0 0 0 rg BT 64.62 639.60 Td (have ) Tj ET Q q 0 0 0 rg BT 85.54 639.60 Td (audited ) Tj ET Q q 0 0 0 rg BT 117.01 639.60 Td (Unum ) Tj ET Q q 0 0 0 rg BT 144.05 639.60 Td (Group ) Tj ET Q q 0 0 0 rg BT 171.64 639.60 Td (and ) Tj ET Q q 0 0 0 rg BT 188.12 639.60 Td (subsidiaries) Tj ET Q q 0 0 0 rg BT 237.93 639.60 Td ( ) Tj ET Q q 0 0 0 rg BT 239.97 639.60 Td (internal ) Tj ET Q q 0 0 0 rg BT 272.55 639.60 Td (control ) Tj ET Q q 0 0 0 rg BT 302.92 639.60 Td (over ) Tj ET Q q 0 0 0 rg BT 322.73 639.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 359.75 639.60 Td (reporting ) Tj ET Q q 0 0 0 rg BT 398.45 639.60 Td (as ) Tj ET Q q 0 0 0 rg BT 408.82 639.60 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.19 639.60 Td (December31, ) Tj ET Q q 0 0 0 rg BT 477.31 639.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.31 639.60 Td (, ) Tj ET Q q 0 0 0 rg BT 501.85 639.60 Td (based ) Tj ET Q q 0 0 0 rg BT 526.66 639.60 Td (on ) Tj ET Q q 0 0 0 rg BT 538.70 639.60 Td (criteria ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.60 Td (established ) Tj ET Q q 0 0 0 rg BT 97.67 627.60 Td (in ) Tj ET Q q 0 0 0 rg BT 109.19 627.60 Td (Internal ) Tj ET Q q 0 0 0 rg BT 144.02 627.60 Td (Control-Integrated ) Tj ET Q q 0 0 0 rg BT 222.17 627.60 Td (Framework ) Tj ET Q q 0 0 0 rg BT 272.01 627.60 Td (issued ) Tj ET Q q 0 0 0 rg BT 300.74 627.60 Td (by ) Tj ET Q q 0 0 0 rg BT 314.48 627.60 Td (the ) Tj ET Q q 0 0 0 rg BT 330.43 627.60 Td (Committee ) Tj ET Q q 0 0 0 rg BT 378.61 627.60 Td (of ) Tj ET Q q 0 0 0 rg BT 390.68 627.60 Td (Sponsoring ) Tj ET Q q 0 0 0 rg BT 439.98 627.60 Td (Or) Tj ET Q q 0 0 0 rg BT 450.35 627.60 Td (ganizations ) Tj ET Q q 0 0 0 rg BT 499.63 627.60 Td (of ) Tj ET Q q 0 0 0 rg BT 511.69 627.60 Td (the ) Tj ET Q q 0 0 0 rg BT 527.38 627.60 Td (T) Tj ET Q q 0 0 0 rg BT 533.13 627.60 Td (readway ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.60 Td (Commission ) Tj ET Q q 0 0 0 rg BT 102.46 615.60 Td (\(2013 ) Tj ET Q q 0 0 0 rg BT 128.18 615.60 Td (framework\) ) Tj ET Q q 0 0 0 rg BT 177.77 615.60 Td (\(the ) Tj ET Q q 0 0 0 rg BT 195.71 615.60 Td (COSO ) Tj ET Q q 0 0 0 rg BT 224.77 615.60 Td (criteria\). ) Tj ET Q q 0 0 0 rg BT 261.31 615.60 Td ( ) Tj ET Q q 0 0 0 rg BT 263.70 615.60 Td (In ) Tj ET Q q 0 0 0 rg BT 274.42 615.60 Td (our ) Tj ET Q q 0 0 0 rg BT 290.14 615.60 Td (opinion, ) Tj ET Q q 0 0 0 rg BT 325.59 615.60 Td (Unum ) Tj ET Q q 0 0 0 rg BT 352.98 615.60 Td (Group ) Tj ET Q q 0 0 0 rg BT 380.92 615.60 Td (and ) Tj ET Q q 0 0 0 rg BT 397.75 615.60 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 447.36 615.60 Td (\(the ) Tj ET Q q 0 0 0 rg BT 465.30 615.60 Td (Company\) ) Tj ET Q q 0 0 0 rg BT 509.91 615.60 Td (maintained, ) Tj ET Q q 0 0 0 rg BT 559.23 615.60 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.60 Td (all ) Tj ET Q q 0 0 0 rg BT 62.00 603.60 Td (material ) Tj ET Q q 0 0 0 rg BT 97.25 603.60 Td (respects, ) Tj ET Q q 0 0 0 rg BT 134.46 603.60 Td (ef) Tj ET Q q 0 0 0 rg BT 142.05 603.60 Td (fective ) Tj ET Q q 0 0 0 rg BT 171.75 603.60 Td (internal ) Tj ET Q q 0 0 0 rg BT 204.79 603.60 Td (control ) Tj ET Q q 0 0 0 rg BT 235.62 603.60 Td (over ) Tj ET Q q 0 0 0 rg BT 255.89 603.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 293.37 603.60 Td (reporting ) Tj ET Q q 0 0 0 rg BT 332.52 603.60 Td (as ) Tj ET Q q 0 0 0 rg BT 343.35 603.60 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.18 603.60 Td (December31, ) Tj ET Q q 0 0 0 rg BT 412.77 603.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.77 603.60 Td (, ) Tj ET Q q 0 0 0 rg BT 437.77 603.60 Td (based ) Tj ET Q q 0 0 0 rg BT 463.04 603.60 Td (on ) Tj ET Q q 0 0 0 rg BT 475.54 603.60 Td (the ) Tj ET Q q 0 0 0 rg BT 490.25 603.60 Td (COSO ) Tj ET Q q 0 0 0 rg BT 519.43 603.60 Td (criteria.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 579.60 Td (e ) Tj ET Q q 0 0 0 rg BT 66.37 579.60 Td (also ) Tj ET Q q 0 0 0 rg BT 86.28 579.60 Td (have ) Tj ET Q q 0 0 0 rg BT 108.95 579.60 Td (audited, ) Tj ET Q q 0 0 0 rg BT 144.68 579.60 Td (in ) Tj ET Q q 0 0 0 rg BT 156.26 579.60 Td (accordance ) Tj ET Q q 0 0 0 rg BT 205.02 579.60 Td (with ) Tj ET Q q 0 0 0 rg BT 226.59 579.60 Td (the ) Tj ET Q q 0 0 0 rg BT 242.61 579.60 Td (standards ) Tj ET Q q 0 0 0 rg BT 284.17 579.60 Td (of ) Tj ET Q q 0 0 0 rg BT 296.30 579.60 Td (the ) Tj ET Q q 0 0 0 rg BT 312.32 579.60 Td (Public ) Tj ET Q q 0 0 0 rg BT 341.67 579.60 Td (Company ) Tj ET Q q 0 0 0 rg BT 383.52 579.60 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 433.97 579.60 Td (Oversight ) Tj ET Q q 0 0 0 rg BT 477.20 579.60 Td (Board ) Tj ET Q q 0 0 0 rg BT 505.44 579.60 Td (\(United ) Tj ET Q q 0 0 0 rg BT 539.78 579.60 Td (States\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.60 Td (\(PCAOB\), ) Tj ET Q q 0 0 0 rg BT 94.12 567.60 Td (the ) Tj ET Q q 0 0 0 rg BT 108.46 567.60 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 161.11 567.60 Td (balance ) Tj ET Q q 0 0 0 rg BT 193.76 567.60 Td (sheets ) Tj ET Q q 0 0 0 rg BT 220.32 567.60 Td (of ) Tj ET Q q 0 0 0 rg BT 230.76 567.60 Td (the ) Tj ET Q q 0 0 0 rg BT 245.10 567.60 Td (Company ) Tj ET Q q 0 0 0 rg BT 286.10 567.60 Td (as ) Tj ET Q q 0 0 0 rg BT 296.55 567.60 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.00 567.60 Td (December31, ) Tj ET Q q 0 0 0 rg BT 365.20 567.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.20 567.60 Td ( ) Tj ET Q q 0 0 0 rg BT 387.31 567.60 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.87 567.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.87 567.60 Td (, ) Tj ET Q q 0 0 0 rg BT 428.48 567.60 Td (the ) Tj ET Q q 0 0 0 rg BT 442.82 567.60 Td (related ) Tj ET Q q 0 0 0 rg BT 472.14 567.60 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 524.80 567.60 Td (statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.60 Td (of ) Tj ET Q q 0 0 0 rg BT 59.72 555.60 Td (income, ) Tj ET Q q 0 0 0 rg BT 93.54 555.60 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 155.96 555.60 Td (income, ) Tj ET Q q 0 0 0 rg BT 189.79 555.60 Td (stockholders' ) Tj ET Q q 0 0 0 rg BT 244.03 555.60 Td (equity ) Tj ET Q q 0 0 0 rg BT 270.91 555.60 Td (and ) Tj ET Q q 0 0 0 rg BT 287.24 555.60 Td (cash ) Tj ET Q q 0 0 0 rg BT 306.90 555.60 Td (flows ) Tj ET Q q 0 0 0 rg BT 331.01 555.60 Td (for ) Tj ET Q q 0 0 0 rg BT 344.56 555.60 Td (each ) Tj ET Q q 0 0 0 rg BT 364.76 555.60 Td (of ) Tj ET Q q 0 0 0 rg BT 374.98 555.60 Td (the ) Tj ET Q q 0 0 0 rg BT 389.09 555.60 Td (three ) Tj ET Q q 0 0 0 rg BT 410.96 555.60 Td (years ) Tj ET Q q 0 0 0 rg BT 433.95 555.60 Td (in ) Tj ET Q q 0 0 0 rg BT 443.62 555.60 Td (the ) Tj ET Q q 0 0 0 rg BT 457.73 555.60 Td (period ) Tj ET Q q 0 0 0 rg BT 485.16 555.60 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.93 555.60 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 543.60 Td (, ) Tj ET Q q 0 0 0 rg BT 74.31 543.60 Td (and ) Tj ET Q q 0 0 0 rg BT 91.07 543.60 Td (the ) Tj ET Q q 0 0 0 rg BT 105.60 543.60 Td (related ) Tj ET Q q 0 0 0 rg BT 135.12 543.60 Td (notes ) Tj ET Q q 0 0 0 rg BT 158.54 543.60 Td (and ) Tj ET Q q 0 0 0 rg BT 175.29 543.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 212.59 543.60 Td (statement ) Tj ET Q q 0 0 0 rg BT 253.22 543.60 Td (schedules ) Tj ET Q q 0 0 0 rg BT 294.41 543.60 Td (listed ) Tj ET Q q 0 0 0 rg BT 318.39 543.60 Td (in ) Tj ET Q q 0 0 0 rg BT 328.48 543.60 Td (the ) Tj ET Q q 0 0 0 rg BT 343.02 543.60 Td (Index ) Tj ET Q q 0 0 0 rg BT 368.10 543.60 Td (at ) Tj ET Q q 0 0 0 rg BT 377.63 543.60 Td (Item ) Tj ET Q q 0 0 0 rg BT 398.27 543.60 Td (15\(a\)\(2\) ) Tj ET Q q 0 0 0 rg BT 433.34 543.60 Td (and ) Tj ET Q q 0 0 0 rg BT 450.10 543.60 Td (our ) Tj ET Q q 0 0 0 rg BT 465.74 543.60 Td (report ) Tj ET Q q 0 0 0 rg BT 491.93 543.60 Td (dated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.90 543.60 Td (February19, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.60 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 531.60 Td ( ) Tj ET Q q 0 0 0 rg BT 72.00 531.60 Td (expressed ) Tj ET Q q 0 0 0 rg BT 113.93 531.60 Td (an ) Tj ET Q q 0 0 0 rg BT 125.87 531.60 Td (unqualified ) Tj ET Q q 0 0 0 rg BT 173.91 531.60 Td (opinion ) Tj ET Q q 0 0 0 rg BT 206.97 531.60 Td (thereon. ) Tj ET Q q 0 0 0 rg BT 241.95 531.60 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 507.60 Td (Basis ) Tj ET Q q 0 0 0 rg BT 74.23 507.60 Td (for) Tj ET Q q 0 0 0 rg BT 86.82 507.60 Td ( ) Tj ET Q q 0 0 0 rg BT 89.32 507.60 Td (Opinion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (The ) Tj ET Q q 0 0 0 rg BT 67.02 483.60 Td (Company's ) Tj ET Q q 0 0 0 rg BT 113.58 483.60 Td (management ) Tj ET Q q 0 0 0 rg BT 166.64 483.60 Td (is ) Tj ET Q q 0 0 0 rg BT 175.29 483.60 Td (responsible ) Tj ET Q q 0 0 0 rg BT 222.81 483.60 Td (for ) Tj ET Q q 0 0 0 rg BT 236.44 483.60 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 286.19 483.60 Td (ef) Tj ET Q q 0 0 0 rg BT 293.77 483.60 Td (fective ) Tj ET Q q 0 0 0 rg BT 322.95 483.60 Td (internal ) Tj ET Q q 0 0 0 rg BT 355.47 483.60 Td (control ) Tj ET Q q 0 0 0 rg BT 385.77 483.60 Td (over ) Tj ET Q q 0 0 0 rg BT 405.51 483.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 442.47 483.60 Td (reporting ) Tj ET Q q 0 0 0 rg BT 481.10 483.60 Td (and ) Tj ET Q q 0 0 0 rg BT 497.51 483.60 Td (for ) Tj ET Q q 0 0 0 rg BT 511.15 483.60 Td (its ) Tj ET Q q 0 0 0 rg BT 522.57 483.60 Td (assessment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (of ) Tj ET Q q 0 0 0 rg BT 60.72 471.60 Td (the ) Tj ET Q q 0 0 0 rg BT 75.83 471.60 Td (ef) Tj ET Q q 0 0 0 rg BT 83.42 471.60 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 130.73 471.60 Td (of ) Tj ET Q q 0 0 0 rg BT 141.96 471.60 Td (internal ) Tj ET Q q 0 0 0 rg BT 175.39 471.60 Td (control ) Tj ET Q q 0 0 0 rg BT 206.61 471.60 Td (over ) Tj ET Q q 0 0 0 rg BT 227.27 471.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 265.14 471.60 Td (reporting ) Tj ET Q q 0 0 0 rg BT 304.69 471.60 Td (included ) Tj ET Q q 0 0 0 rg BT 342.01 471.60 Td (in ) Tj ET Q q 0 0 0 rg BT 352.69 471.60 Td (the ) Tj ET Q q 0 0 0 rg BT 367.79 471.60 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 429.00 471.60 Td (Management) Tj ET Q q 0 0 0 rg BT 488.42 471.60 Td (s ) Tj ET Q q 0 0 0 rg BT 494.56 471.60 Td (Annual ) Tj ET Q q 0 0 0 rg BT 526.89 471.60 Td (Report ) Tj ET Q q 0 0 0 rg BT 557.00 471.60 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (Internal ) Tj ET Q q 0 0 0 rg BT 83.66 459.60 Td (Control ) Tj ET Q q 0 0 0 rg BT 117.27 459.60 Td (over ) Tj ET Q q 0 0 0 rg BT 138.10 459.60 Td (Financial ) Tj ET Q q 0 0 0 rg BT 178.38 459.60 Td (Reporting. ) Tj ET Q q 0 0 0 rg BT 228.37 459.60 Td ( ) Tj ET Q q 0 0 0 rg BT 231.43 459.60 Td (Our ) Tj ET Q q 0 0 0 rg BT 250.05 459.60 Td (responsibility ) Tj ET Q q 0 0 0 rg BT 307.55 459.60 Td (is ) Tj ET Q q 0 0 0 rg BT 317.28 459.60 Td (to ) Tj ET Q q 0 0 0 rg BT 328.12 459.60 Td (express ) Tj ET Q q 0 0 0 rg BT 361.17 459.60 Td (an ) Tj ET Q q 0 0 0 rg BT 373.67 459.60 Td (opinion ) Tj ET Q q 0 0 0 rg BT 407.29 459.60 Td (on ) Tj ET Q q 0 0 0 rg BT 420.35 459.60 Td (the ) Tj ET Q q 0 0 0 rg BT 435.63 459.60 Td (Company) Tj ET Q q 0 0 0 rg BT 477.30 459.60 Td (s ) Tj ET Q q 0 0 0 rg BT 484.25 459.60 Td (internal ) Tj ET Q q 0 0 0 rg BT 517.85 459.60 Td (control ) Tj ET Q q 0 0 0 rg BT 549.24 459.60 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 85.97 447.60 Td (reporting ) Tj ET Q q 0 0 0 rg BT 124.11 447.60 Td (based ) Tj ET Q q 0 0 0 rg BT 148.37 447.60 Td (on ) Tj ET Q q 0 0 0 rg BT 159.86 447.60 Td (our ) Tj ET Q q 0 0 0 rg BT 174.68 447.60 Td (audit. ) Tj ET Q q 0 0 0 rg BT 198.67 447.60 Td ( ) Tj ET Q q 0 0 0 rg BT 200.05 447.60 Td (W) Tj ET Q q 0 0 0 rg BT 208.68 447.60 Td (e ) Tj ET Q q 0 0 0 rg BT 214.61 447.60 Td (are ) Tj ET Q q 0 0 0 rg BT 228.31 447.60 Td (a ) Tj ET Q q 0 0 0 rg BT 234.24 447.60 Td (public ) Tj ET Q q 0 0 0 rg BT 260.72 447.60 Td (accounting ) Tj ET Q q 0 0 0 rg BT 306.08 447.60 Td (firm ) Tj ET Q q 0 0 0 rg BT 324.79 447.60 Td (registered ) Tj ET Q q 0 0 0 rg BT 365.70 447.60 Td (with ) Tj ET Q q 0 0 0 rg BT 384.97 447.60 Td (the ) Tj ET Q q 0 0 0 rg BT 398.67 447.60 Td (PCAOB ) Tj ET Q q 0 0 0 rg BT 433.51 447.60 Td (and ) Tj ET Q q 0 0 0 rg BT 449.44 447.60 Td (are ) Tj ET Q q 0 0 0 rg BT 463.13 447.60 Td (required ) Tj ET Q q 0 0 0 rg BT 497.94 447.60 Td (to ) Tj ET Q q 0 0 0 rg BT 507.21 447.60 Td (be ) Tj ET Q q 0 0 0 rg BT 518.13 447.60 Td (independent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (with ) Tj ET Q q 0 0 0 rg BT 70.36 435.60 Td (respect ) Tj ET Q q 0 0 0 rg BT 101.75 435.60 Td (to ) Tj ET Q q 0 0 0 rg BT 112.61 435.60 Td (the ) Tj ET Q q 0 0 0 rg BT 127.90 435.60 Td (Company ) Tj ET Q q 0 0 0 rg BT 169.87 435.60 Td (in ) Tj ET Q q 0 0 0 rg BT 180.73 435.60 Td (accordance ) Tj ET Q q 0 0 0 rg BT 228.77 435.60 Td (with ) Tj ET Q q 0 0 0 rg BT 249.62 435.60 Td (the ) Tj ET Q q 0 0 0 rg BT 264.92 435.60 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 285.78 435.60 Td (federal ) Tj ET Q q 0 0 0 rg BT 316.61 435.60 Td (securities ) Tj ET Q q 0 0 0 rg BT 357.45 435.60 Td (laws ) Tj ET Q q 0 0 0 rg BT 378.86 435.60 Td (and ) Tj ET Q q 0 0 0 rg BT 396.38 435.60 Td (the ) Tj ET Q q 0 0 0 rg BT 411.68 435.60 Td (applicable ) Tj ET Q q 0 0 0 rg BT 455.84 435.60 Td (rules ) Tj ET Q q 0 0 0 rg BT 478.36 435.60 Td (and ) Tj ET Q q 0 0 0 rg BT 495.88 435.60 Td (regulations ) Tj ET Q q 0 0 0 rg BT 543.39 435.60 Td (of ) Tj ET Q q 0 0 0 rg BT 554.80 435.60 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.60 Td (Securities ) Tj ET Q q 0 0 0 rg BT 91.43 423.60 Td (and ) Tj ET Q q 0 0 0 rg BT 108.37 423.60 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 150.30 423.60 Td (Commission ) Tj ET Q q 0 0 0 rg BT 203.36 423.60 Td (and ) Tj ET Q q 0 0 0 rg BT 220.30 423.60 Td (the ) Tj ET Q q 0 0 0 rg BT 235.02 423.60 Td (PCAOB.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 399.60 Td (e ) Tj ET Q q 0 0 0 rg BT 65.44 399.60 Td (conducted ) Tj ET Q q 0 0 0 rg BT 109.39 399.60 Td (our ) Tj ET Q q 0 0 0 rg BT 125.58 399.60 Td (audit ) Tj ET Q q 0 0 0 rg BT 148.44 399.60 Td (in ) Tj ET Q q 0 0 0 rg BT 159.08 399.60 Td (accordance ) Tj ET Q q 0 0 0 rg BT 206.90 399.60 Td (with ) Tj ET Q q 0 0 0 rg BT 227.54 399.60 Td (the ) Tj ET Q q 0 0 0 rg BT 242.61 399.60 Td (standards ) Tj ET Q q 0 0 0 rg BT 283.24 399.60 Td (of ) Tj ET Q q 0 0 0 rg BT 294.43 399.60 Td (the ) Tj ET Q q 0 0 0 rg BT 309.51 399.60 Td (PCAOB. ) Tj ET Q q 0 0 0 rg BT 348.21 399.60 Td ( ) Tj ET Q q 0 0 0 rg BT 350.87 399.60 Td (Those ) Tj ET Q q 0 0 0 rg BT 378.17 399.60 Td (standards ) Tj ET Q q 0 0 0 rg BT 418.79 399.60 Td (require ) Tj ET Q q 0 0 0 rg BT 449.97 399.60 Td (that ) Tj ET Q q 0 0 0 rg BT 467.83 399.60 Td (we ) Tj ET Q q 0 0 0 rg BT 482.35 399.60 Td (plan ) Tj ET Q q 0 0 0 rg BT 502.42 399.60 Td (and ) Tj ET Q q 0 0 0 rg BT 519.72 399.60 Td (perform ) Tj ET Q q 0 0 0 rg BT 554.79 399.60 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td (audit ) Tj ET Q q 0 0 0 rg BT 71.56 387.60 Td (to ) Tj ET Q q 0 0 0 rg BT 81.40 387.60 Td (obtain ) Tj ET Q q 0 0 0 rg BT 108.46 387.60 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 153.28 387.60 Td (assurance ) Tj ET Q q 0 0 0 rg BT 194.22 387.60 Td (about ) Tj ET Q q 0 0 0 rg BT 218.50 387.60 Td (whether ) Tj ET Q q 0 0 0 rg BT 252.77 387.60 Td (ef) Tj ET Q q 0 0 0 rg BT 260.36 387.60 Td (fective ) Tj ET Q q 0 0 0 rg BT 289.63 387.60 Td (internal ) Tj ET Q q 0 0 0 rg BT 322.23 387.60 Td (control ) Tj ET Q q 0 0 0 rg BT 352.63 387.60 Td (over ) Tj ET Q q 0 0 0 rg BT 372.46 387.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 409.50 387.60 Td (reporting ) Tj ET Q q 0 0 0 rg BT 448.23 387.60 Td (was ) Tj ET Q q 0 0 0 rg BT 465.84 387.60 Td (maintained ) Tj ET Q q 0 0 0 rg BT 512.34 387.60 Td (in ) Tj ET Q q 0 0 0 rg BT 522.18 387.60 Td (all ) Tj ET Q q 0 0 0 rg BT 534.24 387.60 Td (material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (respects. ) Tj ET Q q 0 0 0 rg BT 85.96 375.60 Td ( ) Tj ET Q q 0 0 0 rg BT 87.70 375.60 Td (Our ) Tj ET Q q 0 0 0 rg BT 105.00 375.60 Td (audit ) Tj ET Q q 0 0 0 rg BT 126.75 375.60 Td (included ) Tj ET Q q 0 0 0 rg BT 162.93 375.60 Td (obtaining ) Tj ET Q q 0 0 0 rg BT 202.45 375.60 Td (an ) Tj ET Q q 0 0 0 rg BT 213.64 375.60 Td (understanding ) Tj ET Q q 0 0 0 rg BT 272.04 375.60 Td (of ) Tj ET Q q 0 0 0 rg BT 282.12 375.60 Td (internal ) Tj ET Q q 0 0 0 rg BT 314.41 375.60 Td (control ) Tj ET Q q 0 0 0 rg BT 344.48 375.60 Td (over ) Tj ET Q q 0 0 0 rg BT 364.00 375.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 400.73 375.60 Td (reporting, ) Tj ET Q q 0 0 0 rg BT 441.63 375.60 Td (assessing ) Tj ET Q q 0 0 0 rg BT 480.60 375.60 Td (the ) Tj ET Q q 0 0 0 rg BT 494.56 375.60 Td (risk ) Tj ET Q q 0 0 0 rg BT 511.31 375.60 Td (that ) Tj ET Q q 0 0 0 rg BT 528.05 375.60 Td (a ) Tj ET Q q 0 0 0 rg BT 534.24 375.60 Td (material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.60 Td (weakness ) Tj ET Q q 0 0 0 rg BT 90.63 363.60 Td (exists, ) Tj ET Q q 0 0 0 rg BT 118.72 363.60 Td (testing ) Tj ET Q q 0 0 0 rg BT 148.20 363.60 Td (and ) Tj ET Q q 0 0 0 rg BT 165.45 363.60 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 209.91 363.60 Td (the ) Tj ET Q q 0 0 0 rg BT 224.94 363.60 Td (design ) Tj ET Q q 0 0 0 rg BT 253.86 363.60 Td (and ) Tj ET Q q 0 0 0 rg BT 271.11 363.60 Td (operating ) Tj ET Q q 0 0 0 rg BT 311.68 363.60 Td (ef) Tj ET Q q 0 0 0 rg BT 319.27 363.60 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 366.51 363.60 Td (of ) Tj ET Q q 0 0 0 rg BT 377.65 363.60 Td (internal ) Tj ET Q q 0 0 0 rg BT 411.00 363.60 Td (control ) Tj ET Q q 0 0 0 rg BT 442.14 363.60 Td (based ) Tj ET Q q 0 0 0 rg BT 467.72 363.60 Td (on ) Tj ET Q q 0 0 0 rg BT 480.53 363.60 Td (the ) Tj ET Q q 0 0 0 rg BT 495.56 363.60 Td (assessed ) Tj ET Q q 0 0 0 rg BT 532.25 363.60 Td (risk, ) Tj ET Q q 0 0 0 rg BT 552.56 363.60 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.60 Td (performing ) Tj ET Q q 0 0 0 rg BT 96.42 351.60 Td (such ) Tj ET Q q 0 0 0 rg BT 116.68 351.60 Td (other ) Tj ET Q q 0 0 0 rg BT 139.16 351.60 Td (procedures ) Tj ET Q q 0 0 0 rg BT 184.96 351.60 Td (as ) Tj ET Q q 0 0 0 rg BT 195.22 351.60 Td (we ) Tj ET Q q 0 0 0 rg BT 208.82 351.60 Td (considered ) Tj ET Q q 0 0 0 rg BT 254.06 351.60 Td (necessary ) Tj ET Q q 0 0 0 rg BT 294.86 351.60 Td (in ) Tj ET Q q 0 0 0 rg BT 304.57 351.60 Td (the ) Tj ET Q q 0 0 0 rg BT 318.72 351.60 Td (circumstances. ) Tj ET Q q 0 0 0 rg BT 379.80 351.60 Td ( ) Tj ET Q q 0 0 0 rg BT 381.59 351.60 Td (W) Tj ET Q q 0 0 0 rg BT 390.23 351.60 Td (e ) Tj ET Q q 0 0 0 rg BT 396.60 351.60 Td (believe ) Tj ET Q q 0 0 0 rg BT 427.40 351.60 Td (that ) Tj ET Q q 0 0 0 rg BT 444.33 351.60 Td (our ) Tj ET Q q 0 0 0 rg BT 459.59 351.60 Td (audit ) Tj ET Q q 0 0 0 rg BT 481.52 351.60 Td (provides ) Tj ET Q q 0 0 0 rg BT 517.89 351.60 Td (a ) Tj ET Q q 0 0 0 rg BT 524.26 351.60 Td (reasonable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.60 Td (basis ) Tj ET Q q 0 0 0 rg BT 72.00 339.60 Td (for ) Tj ET Q q 0 0 0 rg BT 86.16 339.60 Td (our ) Tj ET Q q 0 0 0 rg BT 101.99 339.60 Td (opinion.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 315.60 Td (Definition ) Tj ET Q q 0 0 0 rg BT 94.78 315.60 Td (and ) Tj ET Q q 0 0 0 rg BT 113.40 315.60 Td (Limitations ) Tj ET Q q 0 0 0 rg BT 165.35 315.60 Td (of ) Tj ET Q q 0 0 0 rg BT 176.18 315.60 Td (Internal ) Tj ET Q q 0 0 0 rg BT 213.68 315.60 Td (Contr) Tj ET Q q 0 0 0 rg BT 239.05 315.60 Td (ol ) Tj ET Q q 0 0 0 rg BT 249.33 315.60 Td (Over) Tj ET Q q 0 0 0 rg BT 270.80 315.60 Td ( ) Tj ET Q q 0 0 0 rg BT 273.30 315.60 Td (Financial ) Tj ET Q q 0 0 0 rg BT 315.81 315.60 Td (Reporting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.60 Td (A) Tj ET Q q 0 0 0 rg BT 56.17 291.60 Td ( ) Tj ET Q q 0 0 0 rg BT 58.13 291.60 Td (company) Tj ET Q q 0 0 0 rg BT 97.56 291.60 Td (s ) Tj ET Q q 0 0 0 rg BT 103.41 291.60 Td (internal ) Tj ET Q q 0 0 0 rg BT 135.90 291.60 Td (control ) Tj ET Q q 0 0 0 rg BT 166.18 291.60 Td (over ) Tj ET Q q 0 0 0 rg BT 185.91 291.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 222.84 291.60 Td (reporting ) Tj ET Q q 0 0 0 rg BT 261.46 291.60 Td (is ) Tj ET Q q 0 0 0 rg BT 270.08 291.60 Td (a ) Tj ET Q q 0 0 0 rg BT 276.48 291.60 Td (process ) Tj ET Q q 0 0 0 rg BT 308.42 291.60 Td (designed ) Tj ET Q q 0 0 0 rg BT 345.92 291.60 Td (to ) Tj ET Q q 0 0 0 rg BT 355.66 291.60 Td (provide ) Tj ET Q q 0 0 0 rg BT 388.16 291.60 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 432.87 291.60 Td (assurance ) Tj ET Q q 0 0 0 rg BT 473.69 291.60 Td (regarding ) Tj ET Q q 0 0 0 rg BT 513.96 291.60 Td (the ) Tj ET Q q 0 0 0 rg BT 528.14 291.60 Td (reliability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.60 Td (of ) Tj ET Q q 0 0 0 rg BT 61.44 279.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 100.03 279.60 Td (reporting ) Tj ET Q q 0 0 0 rg BT 140.29 279.60 Td (and ) Tj ET Q q 0 0 0 rg BT 158.34 279.60 Td (the ) Tj ET Q q 0 0 0 rg BT 174.16 279.60 Td (preparation ) Tj ET Q q 0 0 0 rg BT 223.30 279.60 Td (of ) Tj ET Q q 0 0 0 rg BT 235.24 279.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 273.83 279.60 Td (statements ) Tj ET Q q 0 0 0 rg BT 319.65 279.60 Td (for ) Tj ET Q q 0 0 0 rg BT 334.92 279.60 Td (external ) Tj ET Q q 0 0 0 rg BT 370.73 279.60 Td (purposes ) Tj ET Q q 0 0 0 rg BT 409.89 279.60 Td (in ) Tj ET Q q 0 0 0 rg BT 421.28 279.60 Td (accordance ) Tj ET Q q 0 0 0 rg BT 469.85 279.60 Td (with ) Tj ET Q q 0 0 0 rg BT 491.23 279.60 Td (generally ) Tj ET Q q 0 0 0 rg BT 532.04 279.60 Td (accepted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.60 Td (accounting ) Tj ET Q q 0 0 0 rg BT 95.47 267.60 Td (principles. ) Tj ET Q q 0 0 0 rg BT 139.50 267.60 Td ( ) Tj ET Q q 0 0 0 rg BT 141.13 267.60 Td (A) Tj ET Q q 0 0 0 rg BT 147.80 267.60 Td ( ) Tj ET Q q 0 0 0 rg BT 149.90 267.60 Td (company) Tj ET Q q 0 0 0 rg BT 189.33 267.60 Td (s ) Tj ET Q q 0 0 0 rg BT 195.32 267.60 Td (internal ) Tj ET Q q 0 0 0 rg BT 227.96 267.60 Td (control ) Tj ET Q q 0 0 0 rg BT 258.38 267.60 Td (over ) Tj ET Q q 0 0 0 rg BT 278.24 267.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 315.32 267.60 Td (reporting ) Tj ET Q q 0 0 0 rg BT 354.07 267.60 Td (includes ) Tj ET Q q 0 0 0 rg BT 389.49 267.60 Td (those ) Tj ET Q q 0 0 0 rg BT 412.70 267.60 Td (policies ) Tj ET Q q 0 0 0 rg BT 445.90 267.60 Td (and ) Tj ET Q q 0 0 0 rg BT 462.43 267.60 Td (procedures ) Tj ET Q q 0 0 0 rg BT 508.40 267.60 Td (that ) Tj ET Q q 0 0 0 rg BT 525.49 267.60 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 539.24 267.60 Td (pertain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.60 Td (to ) Tj ET Q q 0 0 0 rg BT 59.79 255.60 Td (the ) Tj ET Q q 0 0 0 rg BT 74.51 255.60 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 127.55 255.60 Td (of ) Tj ET Q q 0 0 0 rg BT 138.39 255.60 Td (records ) Tj ET Q q 0 0 0 rg BT 170.33 255.60 Td (that, ) Tj ET Q q 0 0 0 rg BT 190.33 255.60 Td (in ) Tj ET Q q 0 0 0 rg BT 200.62 255.60 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 245.89 255.60 Td (detail, ) Tj ET Q q 0 0 0 rg BT 273.11 255.60 Td (accurately ) Tj ET Q q 0 0 0 rg BT 316.70 255.60 Td (and ) Tj ET Q q 0 0 0 rg BT 333.65 255.60 Td (fairly ) Tj ET Q q 0 0 0 rg BT 357.81 255.60 Td (reflect ) Tj ET Q q 0 0 0 rg BT 385.85 255.60 Td (the ) Tj ET Q q 0 0 0 rg BT 400.58 255.60 Td (transactions ) Tj ET Q q 0 0 0 rg BT 450.85 255.60 Td (and ) Tj ET Q q 0 0 0 rg BT 467.80 255.60 Td (dispositions ) Tj ET Q q 0 0 0 rg BT 518.10 255.60 Td (of ) Tj ET Q q 0 0 0 rg BT 528.94 255.60 Td (the ) Tj ET Q q 0 0 0 rg BT 543.67 255.60 Td (assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.60 Td (of ) Tj ET Q q 0 0 0 rg BT 61.00 243.60 Td (the ) Tj ET Q q 0 0 0 rg BT 76.38 243.60 Td (company; ) Tj ET Q q 0 0 0 rg BT 118.98 243.60 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 133.81 243.60 Td (provide ) Tj ET Q q 0 0 0 rg BT 167.52 243.60 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 213.44 243.60 Td (assurance ) Tj ET Q q 0 0 0 rg BT 255.47 243.60 Td (that ) Tj ET Q q 0 0 0 rg BT 273.64 243.60 Td (transactions ) Tj ET Q q 0 0 0 rg BT 324.57 243.60 Td (are ) Tj ET Q q 0 0 0 rg BT 339.94 243.60 Td (recorded ) Tj ET Q q 0 0 0 rg BT 378.08 243.60 Td (as ) Tj ET Q q 0 0 0 rg BT 389.58 243.60 Td (necessary ) Tj ET Q q 0 0 0 rg BT 431.61 243.60 Td (to ) Tj ET Q q 0 0 0 rg BT 442.56 243.60 Td (permit ) Tj ET Q q 0 0 0 rg BT 471.83 243.60 Td (preparation ) Tj ET Q q 0 0 0 rg BT 520.53 243.60 Td (of ) Tj ET Q q 0 0 0 rg BT 532.02 243.60 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.60 Td (statements ) Tj ET Q q 0 0 0 rg BT 94.92 231.60 Td (in ) Tj ET Q q 0 0 0 rg BT 105.91 231.60 Td (accordance ) Tj ET Q q 0 0 0 rg BT 154.08 231.60 Td (with ) Tj ET Q q 0 0 0 rg BT 175.06 231.60 Td (generally ) Tj ET Q q 0 0 0 rg BT 215.47 231.60 Td (accepted ) Tj ET Q q 0 0 0 rg BT 253.65 231.60 Td (accounting ) Tj ET Q q 0 0 0 rg BT 300.73 231.60 Td (principles, ) Tj ET Q q 0 0 0 rg BT 345.87 231.60 Td (and ) Tj ET Q q 0 0 0 rg BT 363.52 231.60 Td (that ) Tj ET Q q 0 0 0 rg BT 381.72 231.60 Td (receipts ) Tj ET Q q 0 0 0 rg BT 416.02 231.60 Td (and ) Tj ET Q q 0 0 0 rg BT 433.67 231.60 Td (expenditures ) Tj ET Q q 0 0 0 rg BT 487.97 231.60 Td (of ) Tj ET Q q 0 0 0 rg BT 499.51 231.60 Td (the ) Tj ET Q q 0 0 0 rg BT 514.93 231.60 Td (company ) Tj ET Q q 0 0 0 rg BT 554.80 231.60 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.60 Td (being ) Tj ET Q q 0 0 0 rg BT 75.27 219.60 Td (made ) Tj ET Q q 0 0 0 rg BT 100.49 219.60 Td (only ) Tj ET Q q 0 0 0 rg BT 121.82 219.60 Td (in ) Tj ET Q q 0 0 0 rg BT 133.16 219.60 Td (accordance ) Tj ET Q q 0 0 0 rg BT 181.68 219.60 Td (with ) Tj ET Q q 0 0 0 rg BT 203.01 219.60 Td (authorizations ) Tj ET Q q 0 0 0 rg BT 263.22 219.60 Td (of ) Tj ET Q q 0 0 0 rg BT 275.11 219.60 Td (management ) Tj ET Q q 0 0 0 rg BT 329.75 219.60 Td (and ) Tj ET Q q 0 0 0 rg BT 347.75 219.60 Td (directors ) Tj ET Q q 0 0 0 rg BT 386.29 219.60 Td (of ) Tj ET Q q 0 0 0 rg BT 398.18 219.60 Td (the ) Tj ET Q q 0 0 0 rg BT 413.95 219.60 Td (company; ) Tj ET Q q 0 0 0 rg BT 456.94 219.60 Td (and ) Tj ET Q q 0 0 0 rg BT 474.94 219.60 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 490.15 219.60 Td (provide ) Tj ET Q q 0 0 0 rg BT 524.26 219.60 Td (reasonable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.60 Td (assurance ) Tj ET Q q 0 0 0 rg BT 91.48 207.60 Td (regarding ) Tj ET Q q 0 0 0 rg BT 132.92 207.60 Td (prevention ) Tj ET Q q 0 0 0 rg BT 178.80 207.60 Td (or ) Tj ET Q q 0 0 0 rg BT 190.24 207.60 Td (timely ) Tj ET Q q 0 0 0 rg BT 218.91 207.60 Td (detection ) Tj ET Q q 0 0 0 rg BT 258.68 207.60 Td (of ) Tj ET Q q 0 0 0 rg BT 270.13 207.60 Td (unauthorized ) Tj ET Q q 0 0 0 rg BT 325.44 207.60 Td (acquisition, ) Tj ET Q q 0 0 0 rg BT 374.94 207.60 Td (use, ) Tj ET Q q 0 0 0 rg BT 393.89 207.60 Td (or ) Tj ET Q q 0 0 0 rg BT 405.34 207.60 Td (disposition ) Tj ET Q q 0 0 0 rg BT 452.35 207.60 Td (of ) Tj ET Q q 0 0 0 rg BT 463.80 207.60 Td (the ) Tj ET Q q 0 0 0 rg BT 479.13 207.60 Td (company) Tj ET Q q 0 0 0 rg BT 518.56 207.60 Td (s ) Tj ET Q q 0 0 0 rg BT 525.57 207.60 Td (assets ) Tj ET Q q 0 0 0 rg BT 552.02 207.60 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.60 Td (could ) Tj ET Q q 0 0 0 rg BT 74.22 195.60 Td (have ) Tj ET Q q 0 0 0 rg BT 95.59 195.60 Td (a ) Tj ET Q q 0 0 0 rg BT 102.53 195.60 Td (material ) Tj ET Q q 0 0 0 rg BT 137.79 195.60 Td (ef) Tj ET Q q 0 0 0 rg BT 145.38 195.60 Td (fect ) Tj ET Q q 0 0 0 rg BT 162.86 195.60 Td (on ) Tj ET Q q 0 0 0 rg BT 175.36 195.60 Td (the ) Tj ET Q q 0 0 0 rg BT 190.08 195.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 227.56 195.60 Td (statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.60 Td (Because ) Tj ET Q q 0 0 0 rg BT 84.11 171.60 Td (of ) Tj ET Q q 0 0 0 rg BT 93.73 171.60 Td (its ) Tj ET Q q 0 0 0 rg BT 104.47 171.60 Td (inherent ) Tj ET Q q 0 0 0 rg BT 138.52 171.60 Td (limitations, ) Tj ET Q q 0 0 0 rg BT 185.09 171.60 Td (internal ) Tj ET Q q 0 0 0 rg BT 216.92 171.60 Td (control ) Tj ET Q q 0 0 0 rg BT 246.54 171.60 Td (over ) Tj ET Q q 0 0 0 rg BT 265.60 171.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 301.87 171.60 Td (reporting ) Tj ET Q q 0 0 0 rg BT 339.81 171.60 Td (may ) Tj ET Q q 0 0 0 rg BT 358.32 171.60 Td (not ) Tj ET Q q 0 0 0 rg BT 372.39 171.60 Td (prevent ) Tj ET Q q 0 0 0 rg BT 403.66 171.60 Td (or ) Tj ET Q q 0 0 0 rg BT 413.29 171.60 Td (detect ) Tj ET Q q 0 0 0 rg BT 438.45 171.60 Td (misstatements. ) Tj ET Q q 0 0 0 rg BT 498.90 171.60 Td ( ) Tj ET Q q 0 0 0 rg BT 499.90 171.60 Td (Also, ) Tj ET Q q 0 0 0 rg BT 522.59 171.60 Td (projections ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.60 Td (of ) Tj ET Q q 0 0 0 rg BT 60.09 159.60 Td (any ) Tj ET Q q 0 0 0 rg BT 76.78 159.60 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 120.69 159.60 Td (of ) Tj ET Q q 0 0 0 rg BT 131.27 159.60 Td (ef) Tj ET Q q 0 0 0 rg BT 138.86 159.60 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 185.54 159.60 Td (to ) Tj ET Q q 0 0 0 rg BT 195.57 159.60 Td (future ) Tj ET Q q 0 0 0 rg BT 221.71 159.60 Td (periods ) Tj ET Q q 0 0 0 rg BT 253.40 159.60 Td (are ) Tj ET Q q 0 0 0 rg BT 267.86 159.60 Td (subject ) Tj ET Q q 0 0 0 rg BT 298.45 159.60 Td (to ) Tj ET Q q 0 0 0 rg BT 308.48 159.60 Td (the ) Tj ET Q q 0 0 0 rg BT 322.95 159.60 Td (risk ) Tj ET Q q 0 0 0 rg BT 340.21 159.60 Td (that ) Tj ET Q q 0 0 0 rg BT 357.46 159.60 Td (controls ) Tj ET Q q 0 0 0 rg BT 391.93 159.60 Td (may ) Tj ET Q q 0 0 0 rg BT 411.40 159.60 Td (become ) Tj ET Q q 0 0 0 rg BT 444.75 159.60 Td (inadequate ) Tj ET Q q 0 0 0 rg BT 490.32 159.60 Td (because ) Tj ET Q q 0 0 0 rg BT 524.22 159.60 Td (of ) Tj ET Q q 0 0 0 rg BT 534.81 159.60 Td (changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.60 Td (in ) Tj ET Q q 0 0 0 rg BT 59.78 147.60 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 106.44 147.60 Td (or ) Tj ET Q q 0 0 0 rg BT 117.27 147.60 Td (that ) Tj ET Q q 0 0 0 rg BT 134.77 147.60 Td (the ) Tj ET Q q 0 0 0 rg BT 149.49 147.60 Td (degree ) Tj ET Q q 0 0 0 rg BT 178.63 147.60 Td (of ) Tj ET Q q 0 0 0 rg BT 189.46 147.60 Td (compliance ) Tj ET Q q 0 0 0 rg BT 238.05 147.60 Td (with ) Tj ET Q q 0 0 0 rg BT 258.33 147.60 Td (the ) Tj ET Q q 0 0 0 rg BT 273.04 147.60 Td (policies ) Tj ET Q q 0 0 0 rg BT 306.65 147.60 Td (or ) Tj ET Q q 0 0 0 rg BT 317.48 147.60 Td (procedures ) Tj ET Q q 0 0 0 rg BT 363.85 147.60 Td (may ) Tj ET Q q 0 0 0 rg BT 383.56 147.60 Td (deteriorate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.40 99.60 Td (/s/ Ernst & ) Tj ET Q q 0 0 0 rg BT 520.86 99.60 Td (Y) Tj ET Q q 0 0 0 rg BT 527.08 99.60 Td (oung LLP) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.60 Td (Chattanooga, ) Tj ET Q q 0 0 0 rg BT 104.86 63.60 Td (T) Tj ET Q q 0 0 0 rg BT 110.27 63.60 Td (ennessee) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 51.60 Td (February19, ) Tj ET Q q 0 0 0 rg BT 103.10 51.60 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.10 51.60 Td ( ) Tj ET Q endstream endobj 393 0 obj <> endobj 394 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (192) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 735.75 Td (ITEM 9B. OTHER INFORMA) Tj ET Q q 0 0 0 rg BT 182.10 735.75 Td (TION) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (None) Tj ET Q endstream endobj 395 0 obj <> endobj 396 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (193) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 288.15 735.75 Td (P) Tj ET Q q 0 0 0 rg BT 293.52 735.75 Td (AR) Tj ET Q q 0 0 0 rg BT 307.61 735.75 Td (T) Tj ET Q q 0 0 0 rg BT 314.10 735.75 Td ( III) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 711.75 Td (ITEM 10. DIRECT) Tj ET Q q 0 0 0 rg BT 132.39 711.75 Td (ORS, EXECUTIVE OFFICERS ) Tj ET Q q 0 0 0 rg BT 272.42 711.75 Td (AND CORPORA) Tj ET Q q 0 0 0 rg BT 346.39 711.75 Td (TE GOVERNANCE ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 687.75 Td (Dir) Tj ET Q q 0 0 0 rg BT 63.76 687.75 Td (ectors ) Tj ET Q q 0 0 0 rg BT 91.79 687.75 Td (and ) Tj ET Q q 0 0 0 rg BT 110.42 687.75 Td (Executive ) Tj ET Q q 0 0 0 rg BT 154.57 687.75 Td (Officers) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 663.75 Td (The information required by this Item with respect to directors is included under the caption "Information ) Tj ET Q q 0 0 0 rg BT 474.02 663.75 Td (About the Board of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 651.75 Td (Directors," sub-captions "Director Nominees" and "Additional Current Director - Retiring at the ) Tj ET Q q 0 0 0 rg BT 436.00 651.75 Td (Annual Meeting," in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.75 Td (definitive proxy statement for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.85 639.75 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.85 639.75 Td ( ) Tj ET Q q 0 0 0 rg BT 207.80 639.75 Td (Annual Meeting of Shareholders and is incorporated herein by reference.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.75 Td (The information required by this Item with respect to our executive of) Tj ET Q q 0 0 0 rg BT 329.51 615.75 Td (ficers is included under the caption "Executive Of) Tj ET Q q 0 0 0 rg BT 529.17 615.75 Td (ficers of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.75 Td (the Registrant" contained herein in Item 1 and is incorporated herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 579.75 Td (Corporate Governance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.75 Td (Our internet website address is ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 175.30078125 554.4169921875 m 241.3115234375 554.4169921875 l s q 0 0 1 rg BT 175.30 555.75 Td (www) Tj ET Q q 0 0 1 rg BT 196.32 555.75 Td (.unum.com) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 241.31 555.75 Td (. ) Tj ET Q q 0 0 0 rg BT 248.63 555.75 Td (W) Tj ET Q q 0 0 0 rg BT 257.27 555.75 Td (e have adopted corporate governance guidelines, a code of conduct ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.75 Td (applicable to all of our directors, of) Tj ET Q q 0 0 0 rg BT 190.66 543.75 Td (ficers and employees, and charters for the audit, human capital, governance, risk and finance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.75 Td (and regulatory compliance committees of our board of directors in accordance with the requirements of the New ) Tj ET Q q 0 0 0 rg BT 501.46 531.75 Td (Y) Tj ET Q q 0 0 0 rg BT 507.68 531.75 Td (ork Stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.75 Td (Exchange \(NYSE\). In addition, our board of directors has adopted a code of ethics applicable to our chief executive of) Tj ET Q q 0 0 0 rg BT 525.81 519.75 Td (ficer and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 507.75 Td (certain senior financial of) Tj ET Q q 0 0 0 rg BT 151.77 507.75 Td (ficers in accordance with the requirements of the Securities and Exchange Commission. ) Tj ET Q q 0 0 0 rg BT 508.14 507.75 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.75 Td (documents are available free of char) Tj ET Q q 0 0 0 rg BT 194.51 495.75 Td (ge on our website and in print at the request of any shareholder from the Of) Tj ET Q q 0 0 0 rg BT 496.18 495.75 Td (fice of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.75 Td (Corporate Secretary) Tj ET Q q 0 0 0 rg BT 129.09 483.75 Td (, Unum Group, 1 Fountain Square, Chattanooga, ) Tj ET Q q 0 0 0 rg BT 325.83 483.75 Td (T) Tj ET Q q 0 0 0 rg BT 331.24 483.75 Td (ennessee, 37402, or by calling toll-free 1-800-718-8824. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.75 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 471.75 Td (e will post on our website amendments to or waivers from any provision of our code of conduct and our code of ethics, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.75 Td (required by the rules and regulations of the Securities and Exchange Commission and the listing standards of the NYSE.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.75 Td (The information required by this Item with respect to compliance with Section 16\(a\) of the Exchange ) Tj ET Q q 0 0 0 rg BT 456.60 435.75 Td (Act is included under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.75 Td (caption "Ownership of Company Securities," sub-caption "Section 16\(a\) - Beneficial Ownership Reporting Compliance," in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.75 Td (definitive proxy statement for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.85 411.75 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.85 411.75 Td ( ) Tj ET Q q 0 0 0 rg BT 207.80 411.75 Td (Annual Meeting of Shareholders and is incorporated herein by reference.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.75 Td (The information required by this Item with respect to a code of ethics for our chief executive of) Tj ET Q q 0 0 0 rg BT 431.13 387.75 Td (ficer and certain senior financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.75 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 375.75 Td (ficers is included under the caption "Board and Committee Governance," sub-caption "Codes of Conduct and Ethics," in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.75 Td (definitive proxy statement for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.85 363.75 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.85 363.75 Td ( ) Tj ET Q q 0 0 0 rg BT 207.80 363.75 Td (Annual Meeting of Shareholders and is incorporated herein by reference.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.75 Td (The information required by this Item with respect to the audit committee and audit committee financial experts is included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.75 Td (under the caption "Board and Committee Governance," sub-captions "Committees of the Board" and "Audit Committee," in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.75 Td (definitive proxy statement for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.85 315.75 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.85 315.75 Td ( ) Tj ET Q q 0 0 0 rg BT 207.80 315.75 Td (Annual Meeting of Shareholders and is incorporated herein by reference. In addition, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.75 Td (information relating to the procedures by which our shareholders may recommend nominees to our board of directors is included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.75 Td (under the caption "Corporate Governance," sub-caption "Process for Selecting and Nominating Directors," in our definitive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.75 Td (proxy statement for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.03 279.75 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.03 279.75 Td ( ) Tj ET Q q 0 0 0 rg BT 166.98 279.75 Td (Annual Meeting of Shareholders and is incorporated herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 255.75 Td (ITEM 1) Tj ET Q q 0 0 0 rg BT 83.12 255.75 Td (1. EXECUTIVE COMPENSA) Tj ET Q q 0 0 0 rg BT 211.56 255.75 Td (TION) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.75 Td (The information required by this Item with respect to executive compensation and compensation committee matters is included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.75 Td (under the caption "Information ) Tj ET Q q 0 0 0 rg BT 175.21 219.75 Td (About the Board of Directors," sub-caption "Director Compensation," under the caption "Board ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.75 Td (and Committee," sub-caption "Compensation Committee Interlocks and Insider Participation," and under the captions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.75 Td ("Compensation Discussion and ) Tj ET Q q 0 0 0 rg BT 176.63 195.75 Td (Analysis," "Report of the Human Capital Committee," "Compensation ) Tj ET Q q 0 0 0 rg BT 461.08 195.75 Td (T) Tj ET Q q 0 0 0 rg BT 466.49 195.75 Td (ables," and "Post-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.75 Td (Employment Payments" in our definitive proxy statement for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.58 183.75 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.58 183.75 Td ( ) Tj ET Q q 0 0 0 rg BT 333.53 183.75 Td (Annual Meeting of Shareholders and is incorporated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.75 Td (herein by reference.) Tj ET Q endstream endobj 397 0 obj <> endobj 398 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (194) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 735.75 Td (ITEM 12. SECURITY) Tj ET Q q 0 0 0 rg BT 144.98 735.75 Td ( OWNERSHIP) Tj ET Q q 0 0 0 rg BT 209.16 735.75 Td ( OF) Tj ET Q q 0 0 0 rg BT 225.17 735.75 Td ( CER) Tj ET Q q 0 0 0 rg BT 248.44 735.75 Td (T) Tj ET Q q 0 0 0 rg BT 254.36 735.75 Td (AIN BENEFICIAL) Tj ET Q q 0 0 0 rg BT 336.88 735.75 Td ( OWNERS ) Tj ET Q q 0 0 0 rg BT 385.78 735.75 Td (AND MANAGEMENT) Tj ET Q q 0 0 0 rg BT 485.32 735.75 Td ( ) Tj ET Q q 0 0 0 rg BT 487.27 735.75 Td (AND RELA) Tj ET Q q 0 0 0 rg BT 538.47 735.75 Td (TED ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 723.75 Td (ST) Tj ET Q q 0 0 0 rg BT 61.55 723.75 Td (OCKHOLDER MA) Tj ET Q q 0 0 0 rg BT 146.09 723.75 Td (TTERS ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 699.75 Td (The information required by this Item with respect to security ownership of certain beneficial owners and management is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 687.75 Td (included under the captions "Ownership of Company Securities" and "Security Ownership of Certain Shareholders" in our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 675.75 Td (definitive proxy statement for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.85 675.75 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.85 675.75 Td ( ) Tj ET Q q 0 0 0 rg BT 207.80 675.75 Td (Annual Meeting of Shareholders and is incorporated herein by reference. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 651.75 Td (Equity Compensation Plan Information) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.75 Td (The following table gives information as of December 31, 2018, about the common stock that may be issued under all our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.75 Td (existing equity compensation plans. ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 52.75 605.25 m 52.75 518.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 52.75 605.25 m 194.75 605.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.75 605.25 m 194.75 518.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.75 605.25 m 316.75 605.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.75 605.25 m 316.75 518.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.75 605.25 m 438.75 605.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 605.25 m 438.75 518.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.75 605.25 m 562.75 518.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 605.25 m 562.75 605.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 52.75 518.25 m 52.75 492.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 52.75 518.25 m 194.75 518.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.75 518.25 m 194.75 492.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.75 518.25 m 316.75 518.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.75 518.25 m 316.75 492.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.75 518.25 m 438.75 518.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 518.25 m 438.75 492.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.75 518.25 m 562.75 492.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 518.25 m 562.75 518.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 52.75 492.25 m 52.75 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 52.75 492.25 m 194.75 492.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.75 492.25 m 194.75 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.75 492.25 m 316.75 492.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.75 492.25 m 316.75 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.75 492.25 m 438.75 492.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 492.25 m 438.75 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.75 492.25 m 562.75 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 492.25 m 562.75 492.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 52.75 466.25 m 52.75 452.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 52.75 466.25 m 194.75 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 52.75 452.25 m 194.75 452.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.75 466.25 m 194.75 452.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.75 466.25 m 316.75 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.75 452.25 m 316.75 452.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.75 466.25 m 316.75 452.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.75 466.25 m 438.75 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.75 452.25 m 438.75 452.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 466.25 m 438.75 452.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562.75 466.25 m 562.75 452.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 466.25 m 562.75 466.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.75 452.25 m 562.75 452.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 522.92 Td (Plan Category) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.70 570.92 Td (\(a\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.20 558.92 Td (Number of securities to be) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.45 546.92 Td (issued upon exercise of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.65 534.92 Td (outstanding options,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.90 522.92 Td (warrants and rights) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.40 558.92 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.75 546.92 Td (W) Tj ET Q q 0 0 0 rg BT 332.39 546.92 Td (eighted average exercise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.00 534.92 Td (price of outstanding options, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.85 522.92 Td (warrants and rights ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 413.00 527.45 Td (\(5\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.70 594.92 Td (\(c\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.30 582.92 Td (Number of securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.60 570.92 Td (remaining available for) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.70 558.92 Td (future issuance under equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.65 546.92 Td (compensation plans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.70 534.92 Td (\(excluding securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.90 522.92 Td (reflected in column \(a\)\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 506.92 Td (Equity Compensation Plans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 496.92 Td (Approved by Shareholders ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 164.95 501.45 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.20 496.92 Td ( 1,554,878 ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 277.70 501.45 Td (\(3\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.50 496.92 Td ($24.41) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.70 496.92 Td ( 16,529,869 ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 525.20 501.45 Td (\(6\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 480.92 Td (Equity Compensation Plans Not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 470.92 Td (Approved by Shareholders ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 164.95 475.45 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.20 470.92 Td ( 60,992 ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 277.70 475.45 Td (\(4\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.90 470.92 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.70 470.92 Td ( 21,129 ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 525.20 475.45 Td (\(7\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 55.25 456.82 Td (T) Tj ET Q q 0 0 0 rg BT 60.66 456.82 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.25 456.82 Td (1,615,870) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.90 456.82 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.75 456.82 Td (16,550,998) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.50 428.75 Td (\(1\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 428.75 Td (Our shareholders have approved the following plans: \(a\) Stock Incentive Plan of 2007, \(b\) Unum Group Employee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 416.75 Td (Stock Purchase Plan \(ESPP\), \(c\) Unum European Holding Company Limited Savings-Related Share Option Scheme ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 404.75 Td (201) Tj ET Q q 0 0 0 rg BT 87.13 404.75 Td (1 \(201) Tj ET Q q 0 0 0 rg BT 112.59 404.75 Td (1 SA) Tj ET Q q 0 0 0 rg BT 131.95 404.75 Td (YE\), \(d\) Stock Incentive Plan of 2012, \(e\) Unum European Holding Company Limited Savings-Related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 392.75 Td (Share Option Scheme 2016 \(2016 SA) Tj ET Q q 0 0 0 rg BT 222.40 392.75 Td (YE\), and \(f\) Stock Incentive Plan of 2017.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.50 380.75 Td (\(2\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 380.75 Td (Our shareholders have not approved the Unum Group Non-Employee Director Compensation Plan of 2004.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.50 368.75 Td (\(3\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 368.75 Td (Includes 104,895 shares issuable upon the exercise of outstanding options, 914,550 performance-based restricted stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 356.75 Td (units, 37,560 deferred share rights issuable pursuant to outstanding awards \(including dividend equivalents accrued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 344.75 Td (thereon\), and 896,171 performance share units assuming maximum achievement. ) Tj ET Q q 0 0 0 rg BT 402.50 344.75 Td (The awards shown are issuable under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 332.75 Td (the 2007 Plan, the 2012 Plan, and the 2017 Plan.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.50 320.75 Td (\(4\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 320.75 Td (Consists of deferred share rights \(each representing the right to one share of common stock\), including dividend ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 308.75 Td (equivalents accrued thereon, granted to non-employee directors under the Unum Group Non-Employee Director ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 296.75 Td (Compensation Plan of 2004 in accordance with the deferral elections of such directors in respect of cash retainers and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 284.75 Td (meeting fees payable to them.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.50 272.75 Td (\(5\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 272.75 Td (RSUs, PSUs, and deferred share rights are not included in determining the weighted average exercise price in column ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 260.75 Td (\(b\) because they have no exercise price.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.50 248.75 Td (\(6\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 248.75 Td (Includes 75,492 shares and 159,1) Tj ET Q q 0 0 0 rg BT 205.43 248.75 Td (17 shares available for future issuance as dividend equivalents in respect of outstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 236.75 Td (awards under the 2007 Plan and the 2012 Plan, respectively) Tj ET Q q 0 0 0 rg BT 310.68 236.75 Td (, which were otherwise replaced by the 2017 Plan for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 224.75 Td (purposes of granting new awards; 15,742,207 shares remaining available for future issuance under the 2017 Plan; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 212.75 Td (248,338 shares remaining available for issuance under the ESPP; and 105,413 shares and 199,302 shares remaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 200.75 Td (available for future issuance under the 201) Tj ET Q q 0 0 0 rg BT 242.62 200.75 Td (1 SA) Tj ET Q q 0 0 0 rg BT 261.98 200.75 Td (YE and the 2016 SA) Tj ET Q q 0 0 0 rg BT 343.83 200.75 Td (YE, respectively) Tj ET Q q 0 0 0 rg BT 409.82 200.75 Td (. ) Tj ET Q q 0 0 0 rg BT 416.77 200.75 Td (Any award outstanding under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 188.75 Td (2012 Plan as of the ef) Tj ET Q q 0 0 0 rg BT 159.24 188.75 Td (fective date of the 2017 Plan that after such date is not issued because the award is forfeited, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 176.75 Td (terminates, expires or otherwise lapses without being exercised, or is settled for cash, will be returned to the 2017 Plan. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 164.75 Td (Each PSU, RSU or other full-value award under the 2017 Plan is counted as 1.76 shares.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.50 152.75 Td (\(7\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 152.75 Td (Represents number of shares available for future issuance as dividend equivalents in respect of outstanding awards under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 140.75 Td (the Non-Employee Director Compensation Plan of 2004.) Tj ET Q endstream endobj 399 0 obj <> endobj 400 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (195) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.50 735.60 Td ( Below is a brief description of the equity compensation plans not approved by shareholders.) Tj ET Q BT /F4 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 54.5 710.2669921875 m 414.080078125 710.2669921875 l s q 0 0 0 rg BT 54.50 711.60 Td (Unum Gr) Tj ET Q q 0 0 0 rg BT 92.19 711.60 Td (oup ) Tj ET Q q 0 0 0 rg BT 109.50 711.60 Td (Amended and Restated Non-Employee Dir) Tj ET Q q 0 0 0 rg BT 279.09 711.60 Td (ector Compensation Plan of 2004) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.50 687.60 Td (This plan provided for the payment of annual retainers and meeting fees \(discontinued in May 201) Tj ET Q q 0 0 0 rg BT 448.18 687.60 Td (1\) to the non-employee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.50 675.60 Td (directors who served on our Board of Directors. Under the plan, directors made an irrevocable election each year to receive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.50 663.60 Td (all or a portion of their retainers and meeting fees in either cash or deferred share rights. ) Tj ET Q q 0 0 0 rg BT 410.75 663.60 Td (A) Tj ET Q q 0 0 0 rg BT 417.42 663.60 Td ( deferred share right is a right to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.50 651.60 Td (receive one share of common stock on the earlier of \(i\) the director) Tj ET Q q 0 0 0 rg BT 322.53 651.60 Td () Tj ET Q q 0 0 0 rg BT 325.31 651.60 Td (s separation from service as a director of the company) Tj ET Q q 0 0 0 rg BT 540.96 651.60 Td (, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.50 639.60 Td (\(ii\) another designated date at least three years after the date of the deferral election. ) Tj ET Q q 0 0 0 rg BT 395.54 639.60 Td (The number of deferred share rights ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.50 627.60 Td (granted is calculated as the number of whole shares equal to \(i\) the dollar amount of the annual retainer and/or fees that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.50 615.60 Td (director elects to have paid in deferred share rights, divided by \(ii\) the fair market value per share on the grant date. ) Tj ET Q q 0 0 0 rg BT 520.52 615.60 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.50 603.60 Td (aggregate number of shares which can be issued under the plan is 500,000. ) Tj ET Q q 0 0 0 rg BT 358.67 603.60 Td (This plan terminated in May 2010 with respect to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.50 591.60 Td (new awards, though dividend equivalents remain available for future issuance in respect of awards that were outstanding at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.50 579.60 Td (that time. ) Tj ET Q q 0 0 0 rg BT 97.09 579.60 Td (The plan is administered by the Human Capital Committee. ) Tj ET Q q 0 0 0 rg BT 340.47 579.60 Td (The plan includes provisions restricting the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.50 567.60 Td (transferability of the deferred share rights, provisions for adjustments to the number of shares available for grants, and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.50 555.60 Td (number of shares subject to outstanding grants in the event of recapitalization, reclassification, stock split, reverse stock split, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.50 543.60 Td (reor) Tj ET Q q 0 0 0 rg BT 70.42 543.60 Td (ganization, mer) Tj ET Q q 0 0 0 rg BT 132.43 543.60 Td (ger) Tj ET Q q 0 0 0 rg BT 144.80 543.60 Td (, consolidation, or other similar corporate transaction.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 519.60 Td (ITEM 13. CER) Tj ET Q q 0 0 0 rg BT 114.43 519.60 Td (T) Tj ET Q q 0 0 0 rg BT 120.36 519.60 Td (AIN RELA) Tj ET Q q 0 0 0 rg BT 168.24 519.60 Td (TIONSHIPS ) Tj ET Q q 0 0 0 rg BT 224.65 519.60 Td (AND RELA) Tj ET Q q 0 0 0 rg BT 275.85 519.60 Td (TED ) Tj ET Q q 0 0 0 rg BT 298.73 519.60 Td (TRANSACTIONS ) Tj ET Q q 0 0 0 rg BT 380.14 519.60 Td (AND DIRECT) Tj ET Q q 0 0 0 rg BT 443.03 519.60 Td (OR INDEPENDENCE ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.60 Td (The information required by this Item with respect to certain relationships and related transactions and director independence is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.60 Td (included under the caption "Information ) Tj ET Q q 0 0 0 rg BT 212.15 483.60 Td (About the Board of Directors," sub-caption "Director Independence" and under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.60 Td (caption "Board and Committee Governance, " sub-caption "Related Party ) Tj ET Q q 0 0 0 rg BT 345.93 471.60 Td (T) Tj ET Q q 0 0 0 rg BT 351.68 471.60 Td (ransactions and Policy) Tj ET Q q 0 0 0 rg BT 441.01 471.60 Td (," in our definitive proxy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.60 Td (statement for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.20 459.60 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.20 459.60 Td ( ) Tj ET Q q 0 0 0 rg BT 141.15 459.60 Td (Annual Meeting of Shareholders and is incorporated herein by reference.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 435.60 Td (ITEM 14. PRINCIP) Tj ET Q q 0 0 0 rg BT 134.59 435.60 Td (AL) Tj ET Q q 0 0 0 rg BT 147.93 435.60 Td ( ) Tj ET Q q 0 0 0 rg BT 149.88 435.60 Td (ACCOUNTING FEES ) Tj ET Q q 0 0 0 rg BT 248.79 435.60 Td (AND SER) Tj ET Q q 0 0 0 rg BT 292.05 435.60 Td (VICES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.60 Td (The information required by this Item with respect to fees paid to Ernst & ) Tj ET Q q 0 0 0 rg BT 346.83 411.60 Td (Y) Tj ET Q q 0 0 0 rg BT 353.05 411.60 Td (oung LLP) Tj ET Q q 0 0 0 rg BT 392.96 411.60 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.74 411.60 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.74 411.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.17 411.60 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.17 411.60 Td ( and our audit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 399.60 Td (committee's pre-approval policies and procedures is included under the caption "Items to Be ) Tj ET Q q 0 0 0 rg BT 420.92 399.60 Td (V) Tj ET Q q 0 0 0 rg BT 426.85 399.60 Td (oted On," sub-captions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.60 Td ("Independent ) Tj ET Q q 0 0 0 rg BT 104.95 387.60 Td (Auditor Fees" and "Policy for Pre-Approval of ) Tj ET Q q 0 0 0 rg BT 293.92 387.60 Td (Audit and Non-Audit Services," in our definitive proxy statement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.60 Td (for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.38 375.60 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.38 375.60 Td ( ) Tj ET Q q 0 0 0 rg BT 100.33 375.60 Td (Annual Meeting of Shareholders and is incorporated herein by reference.) 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EXHIBITS ) Tj ET Q q 0 0 0 rg BT 143.97 711.75 Td (AND FINANCIAL) Tj ET Q q 0 0 0 rg BT 224.26 711.75 Td ( ST) Tj ET Q q 0 0 0 rg BT 238.25 711.75 Td (A) Tj ET Q q 0 0 0 rg BT 244.72 711.75 Td (TEMENT) Tj ET Q q 0 0 0 rg BT 287.88 711.75 Td ( SCHEDULES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 679.82 Td (\(a\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.25 679.82 Td (List of Documents filed as part of this report:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.30 679.82 Td ( Page) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.25 653.82 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.25 653.82 Td (Financial Statements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.25 625.92 Td (The following report and consolidated financial statements of Unum Group and Subsidiaries are included in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.25 615.92 Td (Item 8.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 88.25 587.4833984375 m 405.9990234375 587.4833984375 l s q 0 0 1 rg BT 88.25 588.82 Td (Report of Ernst & ) Tj ET Q q 0 0 1 rg BT 162.31 588.82 Td (Y) Tj ET Q q 0 0 1 rg BT 168.53 588.82 Td (oung LLP) Tj ET Q q 0 0 1 rg BT 207.70 588.82 Td (, Independent Registered Public ) Tj ET Q q 0 0 1 rg BT 337.40 588.82 Td (Accounting Firm) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 88.25 574.4833984375 m 334.5732421875 574.4833984375 l s q 0 0 1 rg BT 88.25 575.82 Td (Consolidated Balance Sheets at December 31, 2018 and 2017) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 88.25 561.4833984375 m 413.142578125 561.4833984375 l s q 0 0 1 rg BT 88.25 562.82 Td (Consolidated Statements of Income for the three years ended December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 88.25 548.4833984375 m 478.40625 548.4833984375 l s q 0 0 1 rg BT 88.25 549.82 Td (Consolidated Statements of Comprehensive Income for the three years ended December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 88.25 535.4833984375 m 466.3408203125 535.4833984375 l s q 0 0 1 rg BT 88.25 536.82 Td (Consolidated Statements of Stockholders' Equity for the three years ended December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 88.25 522.4833984375 m 430.1103515625 522.4833984375 l s q 0 0 1 rg BT 88.25 523.82 Td (Consolidated Statements of Cash Flows for the three years ended December 31, 2018) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 88.25 509.4833984375 m 263.2255859375 509.4833984375 l s q 0 0 1 rg BT 88.25 510.82 Td (Notes to Consolidated Financial Statements) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.25 484.82 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.25 484.82 Td (Financial Statement Schedules) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.25 458.82 Td (I.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 107.25 457.4833984375 m 382.4697265625 457.4833984375 l s q 0 0 1 rg BT 107.25 458.82 Td (Summary of Investments - Other than Investments in Related Parties) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.25 445.82 Td (II.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 107.25 444.4833984375 m 296.09765625 444.4833984375 l s q 0 0 1 rg BT 107.25 445.82 Td (Condensed Financial Information of Registrant) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.25 432.82 Td (III.) 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480.90 369.82 Td (10.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.90 369.82 Td (8.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 356.82 Td (Repurchase of Common Stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.55 356.87 Td (\(356.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.40 356.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.55 356.87 Td (\(401.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.40 356.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.55 356.82 Td (\(405.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 356.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 343.82 Td (Dividends Paid to Stockholders) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.55 343.87 Td (\(215.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.40 343.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.55 343.87 Td (\(196.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.40 343.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.55 343.82 Td (\(182.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 343.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 330.82 Td (Other) Tj ET Q q 0 0 0 rg BT 74.12 330.82 Td (, Net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.55 330.87 Td (\(9.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.40 330.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.90 330.82 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.55 330.82 Td (\(1.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 330.82 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 317.98 Td (Cash Used by Financing ) Tj ET Q q 0 0 0 rg BT 157.61 317.98 Td (Activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.55 317.87 Td (\(485.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.40 317.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.55 317.87 Td (\(586.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.40 317.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.55 317.82 Td (\(321.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 317.82 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 291.98 Td (Decr) Tj ET Q q 0 0 0 rg BT 72.11 291.98 Td (ease in Cash) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.75 291.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.55 291.87 Td (\(8.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.40 291.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.75 291.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.55 291.87 Td (\(0.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.40 291.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.75 291.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.55 291.82 Td (\(30.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 291.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 264.75 Td (See notes to condensed financial information.) Tj ET Q endstream endobj 411 0 obj <> endobj 412 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (201) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.10 735.75 Td (SCHEDULE II--CONDENSED FINANCIAL) Tj ET Q q 0 0 0 rg BT 297.46 735.75 Td ( INFORMA) Tj ET Q q 0 0 0 rg BT 348.10 735.75 Td (TION OF) Tj ET Q q 0 0 0 rg BT 389.68 735.75 Td ( REGISTRANT) Tj ET Q q 0 0 0 rg BT 458.13 735.75 Td ( \(Continued\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 238.55 711.75 Td (Unum Gr) Tj ET Q q 0 0 0 rg BT 279.76 711.75 Td (oup \(Par) Tj ET Q q 0 0 0 rg BT 317.08 711.75 Td (ent Company\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 182.95 687.75 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 219.17 687.75 Td (T) Tj ET Q q 0 0 0 rg BT 225.66 687.75 Td (O CONDENSED FINANCIAL) Tj ET Q q 0 0 0 rg BT 357.34 687.75 Td ( INFORMA) Tj ET Q q 0 0 0 rg BT 407.98 687.75 Td (TION) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 663.75 Td (Note 1 - Basis of Pr) Tj ET Q q 0 0 0 rg BT 131.25 663.75 Td (esentation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.75 Td (The accompanying condensed financial statements should be read in conjunction with the consolidated financial statements and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 627.75 Td (notes thereto of Unum Group and subsidiaries. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 603.75 Td (Note 2 - Debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.75 Td (Debt consists of the following:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 530.25 215.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.25 530.25 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.25 530.25 6.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.25 530.25 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.25 530.25 6.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 530.25 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.25 530.25 6.00 -13.00 re f /GS0 gs 0.8 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412.25 530.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 530.25 m 489.25 530.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.25 530.25 m 495.25 530.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.25 530.25 m 566.25 530.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 322.25 m 489.25 322.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.25 322.25 m 566.25 322.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 322.25 m 489.25 322.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 309.25 m 489.25 309.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.25 322.25 m 566.25 322.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.25 309.25 m 566.25 309.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 244.25 m 489.25 244.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.25 244.25 m 566.25 244.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 244.25 m 489.25 244.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 231.25 m 489.25 231.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.25 244.25 m 566.25 244.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.25 231.25 m 566.25 231.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 218.25 m 489.25 218.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 206.25 m 489.25 206.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.25 204.25 m 489.25 204.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.25 218.25 m 566.25 218.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.25 206.25 m 566.25 206.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.25 204.25 m 566.25 204.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.95 559.82 Td (December 31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.25 546.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.25 546.82 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.85 533.82 Td (Interest Rates) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.65 533.82 Td (Maturities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.60 533.82 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 520.98 Td (Long-term Debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 507.82 Td (Outstanding Principal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 494.82 Td ( Senior Notes issued 1998) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.40 494.82 Td (6.750 - 7.250%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.25 494.82 Td (2028) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.75 494.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.90 494.82 Td (365.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.75 494.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 494.82 Td (365.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 481.82 Td ( Senior Notes issued 2002) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.80 481.82 Td (7.375%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.25 481.82 Td (2032) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.90 481.82 Td (39.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 481.82 Td (39.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 468.82 Td ( Senior Notes issued 2010) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.80 468.82 Td (5.625%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.25 468.82 Td (2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.90 468.82 Td (400.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 468.82 Td (400.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 455.82 Td ( Senior Notes issued 2012 and 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.80 455.82 Td (5.750%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.25 455.82 Td (2042) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.90 455.82 Td (500.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 455.82 Td (500.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 442.82 Td ( Senior Notes issued 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.80 442.82 Td (4.000%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.25 442.82 Td (2024) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.90 442.82 Td (350.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 442.82 Td (350.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 429.82 Td ( Senior Notes issued 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.80 429.82 Td (3.875%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.25 429.82 Td (2025) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.90 429.82 Td (275.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 429.82 Td (275.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 416.82 Td ( Senior Notes issued 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.80 416.82 Td (3.000%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.25 416.82 Td (2021) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.90 416.82 Td (350.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 416.82 Td (350.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 403.82 Td ( Medium-term Notes issued 1990 - 1996) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.40 403.82 Td (7.000 - 7.190%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.05 403.82 Td (2023 - 2028) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.90 403.82 Td (50.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 403.82 Td (50.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 390.82 Td ( Junior Subordinated Debt Securities issued 1998) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.80 390.82 Td (7.405%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.25 390.82 Td (2038) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.90 390.82 Td (226.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 390.82 Td (226.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 377.82 Td ( Junior Subordinated Debt Securities issued 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.80 377.82 Td (6.250%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.25 377.82 Td (2058) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.90 377.82 Td (300.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 377.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 364.82 Td (Fair ) Tj ET Q q 0 0 0 rg BT 70.18 364.82 Td (V) Tj ET Q q 0 0 0 rg BT 76.29 364.82 Td (alue Hedge ) Tj ET Q q 0 0 0 rg BT 123.49 364.82 Td (Adjustment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.55 364.87 Td (\(5.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.40 364.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.55 364.82 Td (\(4.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 364.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 351.82 Td (Less:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 338.82 Td (Unamortized Net Premium) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.90 338.82 Td (9.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.90 338.82 Td (9.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.75 325.82 Td (Unamortized Debt Issuance Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.55 325.87 Td (\(30.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.40 325.82 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.55 325.82 Td (\(24.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 325.82 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 312.98 Td (T) Tj ET Q q 0 0 0 rg BT 57.50 312.98 Td (otal Long-term Debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.40 312.82 Td (2,831.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 312.82 Td (2,538.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 286.98 Td (Short-term Debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 273.82 Td (Outstanding Principal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 260.82 Td ( Senior Notes issued 1998) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.80 260.82 Td (7.000%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.25 260.82 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.40 260.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 260.82 Td (200.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 247.82 Td (Less Unamortized Debt Issuance Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.40 247.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.55 247.82 Td (\(0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.40 247.82 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 234.98 Td (T) Tj ET Q q 0 0 0 rg BT 57.50 234.98 Td (otal Short-term Debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.40 234.82 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 234.82 Td (199.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 208.98 Td (T) Tj ET Q q 0 0 0 rg BT 57.50 208.98 Td (otal Debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.75 208.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.40 208.82 Td (2,831.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.75 208.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 208.82 Td (2,738.3) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 181.75 Td (The medium-term notes are non-callable. ) Tj ET Q q 0 0 0 rg BT 219.53 181.75 Td (The junior subordinated debt securities are callable under limited, specified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 169.75 Td (circumstances. ) Tj ET Q q 0 0 0 rg BT 113.46 169.75 Td (The remaining debt is callable and may be redeemed, in whole or in part, at any time. ) Tj ET Q q 0 0 0 rg BT 460.10 169.75 Td (The aggregate contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 157.75 Td (principal maturities are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.74 157.75 Td ($400.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.63 157.75 Td ( in 2020, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.41 157.75 Td ($350.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.30 157.75 Td ( in 2021, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.08 157.75 Td ($2.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.97 157.75 Td ( in 2023, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.69 157.75 Td ($2,105.6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.08 157.75 Td ( thereafter) Tj ET Q q 0 0 0 rg BT 548.33 157.75 Td (.) Tj ET Q endstream endobj 413 0 obj <> endobj 414 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (202) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 104.10 735.75 Td (SCHEDULE II--CONDENSED FINANCIAL) Tj ET Q q 0 0 0 rg BT 297.46 735.75 Td ( INFORMA) Tj ET Q q 0 0 0 rg BT 348.10 735.75 Td (TION OF) Tj ET Q q 0 0 0 rg BT 389.68 735.75 Td ( REGISTRANT) Tj ET Q q 0 0 0 rg BT 458.13 735.75 Td ( \(Continued\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 238.55 711.75 Td (Unum Gr) Tj ET Q q 0 0 0 rg BT 279.76 711.75 Td (oup \(Par) Tj ET Q q 0 0 0 rg BT 317.08 711.75 Td (ent Company\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 148.20 687.75 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 184.42 687.75 Td (T) Tj ET Q q 0 0 0 rg BT 190.91 687.75 Td (O CONDENSED FINANCIAL) Tj ET Q q 0 0 0 rg BT 322.59 687.75 Td ( INFORMA) Tj ET Q q 0 0 0 rg BT 373.23 687.75 Td (TION - CONTINUED) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 663.75 Td (Unsecured Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 639.75 Td (In July 2018, our) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.33 639.75 Td ($200.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.22 639.75 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.72 639.75 Td (7.00%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.55 639.75 Td (senior unsecured notes matured.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.75 Td (In September 2016, our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.42 615.75 Td ($350.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.32 615.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.82 615.75 Td (7.125%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.65 615.75 Td ( senior unsecured notes matured. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.75 Td (In May 2016, we issued a total of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.86 591.75 Td ($600.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.75 591.75 Td ( aggregate principal amount of senior notes: \(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.25 591.75 Td ($350.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.14 591.75 Td ( aggregate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 579.75 Td (principal amount of senior notes due in 2021 with an annual coupon rate of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.76 579.75 Td (3.00%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.59 579.75 Td (, and \(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.24 579.75 Td ($250.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.13 579.75 Td ( aggregate principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.75 Td (amount of senior notes due in 2042 with an annual coupon rate of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.71 567.75 Td (5.75%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.54 567.75 Td (, pursuant to a reopening of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.73 567.75 Td ($250.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.62 567.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.75 Td (aggregate principal amount outstanding of our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.22 555.75 Td (5.75%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.05 555.75 Td ( senior notes due 2042 issued in 2012. Both issuances are callable at or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.75 Td (above par and rank equally in the right of payment with all of our other unsecured and unsubordinated debt. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 519.75 Td (Fair V) Tj ET Q q 0 0 0 rg BT 75.90 519.75 Td (alue Hedges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 495.75 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.94 495.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.53 495.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.97 495.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.97 495.75 Td (, we had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.06 495.75 Td ($250.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.96 495.75 Td ( notional amount of an interest rate swap which ef) Tj ET Q q 0 0 0 rg BT 486.99 495.75 Td (fectively converts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 483.75 Td (certain of our unsecured senior notes into floating rate debt. Under this agreement, we receive a fixed rate of interest and pay a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 471.75 Td (variable rate of interest, based of) Tj ET Q q 0 0 0 rg BT 180.37 471.75 Td (f of the three-month LIBOR. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 447.75 Td (Junior Subordinated Debt Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.75 Td (In May 2018, we issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.82 423.75 Td ($300.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.71 423.75 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.04 423.75 Td (6.25%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.87 423.75 Td ( junior subordinated notes due 2058. ) Tj ET Q q 0 0 0 rg BT 396.78 423.75 Td (The notes are redeemable at or above par ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.75 Td (on or after June 15, 2023 and rank equally in the right of payment with our other junior subordinated debt securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 387.75 Td (In 1998, Provident Financing ) Tj ET Q q 0 0 0 rg BT 169.03 387.75 Td (T) Tj ET Q q 0 0 0 rg BT 174.79 387.75 Td (rust I \(the trust\), a 100 percent-owned finance subsidiary of Unum Group, issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.54 387.75 Td ($300.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.43 387.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 375.75 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.33 375.75 Td (7.405%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.16 375.75 Td ( capital securities in a public of) Tj ET Q q 0 0 0 rg BT 215.94 375.75 Td (fering. ) Tj ET Q q 0 0 0 rg BT 247.13 375.75 Td (These capital securities are fully and unconditionally guaranteed by Unum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 363.75 Td (Group, have a liquidation value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.18 363.75 Td ($1,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.68 363.75 Td ( per capital security) Tj ET Q q 0 0 0 rg BT 294.61 363.75 Td (, and have a mandatory redemption feature under certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.75 Td (circumstances. Unum Group issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.69 351.75 Td (7.405%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.52 351.75 Td ( junior subordinated deferrable interest debentures to the trust in connection with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.75 Td (capital securities of) Tj ET Q q 0 0 0 rg BT 127.06 339.75 Td (fering. ) Tj ET Q q 0 0 0 rg BT 158.26 339.75 Td (The debentures mature in 2038. ) Tj ET Q q 0 0 0 rg BT 289.98 339.75 Td (The sole assets of the trust are the junior subordinated debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.75 Td (securities. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 303.75 Td (Interest Paid) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.75 Td (Interest paid on debt and related securities during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.43 279.75 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.43 279.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.43 279.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.43 279.75 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.37 279.75 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.37 279.75 Td ( was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.92 279.75 Td ($161.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.81 279.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.81 279.75 Td ($148.7 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.71 279.75 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.64 279.75 Td ($147.8 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 560.54 279.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.75 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.16 267.75 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 102.16 267.75 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 243.75 Td (Credit Facility) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.75 Td (In 2016, we amended the terms of our five-year) Tj ET Q q 0 0 0 rg BT 239.86 219.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.86 219.75 Td ($400.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.75 219.75 Td ( unsecured revolving credit facility) Tj ET Q q 0 0 0 rg BT 443.05 219.75 Td (, which was previously set to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.75 Td (expire in 2018, to extend through March 2021. Under the terms of the agreement, we may request that the credit facility be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.75 Td (increased up to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.53 195.75 Td ($600.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.42 195.75 Td (. Borrowings under the credit facility are for general corporate uses and are subject to financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.75 Td (covenants, negative covenants, and events of default that are customary) Tj ET Q q 0 0 0 rg BT 335.13 183.75 Td (. ) Tj ET Q q 0 0 0 rg BT 342.45 183.75 Td (The credit facility provides for borrowing at an interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 171.75 Td (rate based either on the prime rate or LIBOR. In addition, the credit facility provides for the issuance of letters of credit subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 159.75 Td (to certain terms and limitations. ) Tj ET Q q 0 0 0 rg BT 180.86 159.75 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.36 159.75 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.95 159.75 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.38 159.75 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.38 159.75 Td (, letters of credit totaling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.46 159.75 Td ($2.1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.36 159.75 Td ( had been issued from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.75 Td (credit facility) Tj ET Q q 0 0 0 rg BT 102.43 147.75 Td (, but there were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.13 147.75 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.13 147.75 Td ( borrowed amounts outstanding. ) Tj ET Q endstream endobj 415 0 obj <> endobj 416 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (203) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 156.95 735.75 Td (SCHEDULE III--SUPPLEMENT) Tj ET Q q 0 0 0 rg BT 300.40 735.75 Td (AR) Tj ET Q q 0 0 0 rg BT 314.49 735.75 Td (Y) Tj ET Q q 0 0 0 rg BT 321.34 735.75 Td ( INSURANCE INFORMA) Tj ET Q q 0 0 0 rg BT 433.93 735.75 Td (TION) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 242.90 711.75 Td (Unum Gr) Tj ET Q q 0 0 0 rg BT 284.11 711.75 Td (oup and Subsidiaries) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 627.25 222.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.75 627.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.75 627.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.75 627.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.75 627.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 627.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.75 627.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.75 627.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 627.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 599.25 222.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.75 599.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.75 599.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.75 599.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.75 599.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 599.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.75 599.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.75 599.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 599.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 571.25 222.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.75 571.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.75 571.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.75 571.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.75 571.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 571.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.75 571.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.75 571.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 571.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 543.25 222.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.75 543.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.75 543.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.75 543.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.75 543.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 543.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.75 543.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.75 543.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 543.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 515.25 222.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.75 515.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.75 515.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.75 515.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.75 515.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 515.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.75 515.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.75 515.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 515.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 487.25 222.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.75 487.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.75 487.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.75 487.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.75 487.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 487.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.75 487.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.75 487.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 487.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 459.25 222.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.75 459.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.75 459.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.75 459.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.75 459.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 459.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.75 459.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.75 459.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 459.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 431.25 222.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.75 431.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.75 431.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.75 431.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.75 431.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 431.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.75 431.25 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.75 431.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.75 431.25 70.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 48.75 641.25 m 270.75 641.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.75 641.25 m 344.75 641.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 641.25 m 418.75 641.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 641.25 m 492.75 641.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 641.25 m 566.75 641.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.75 627.25 m 344.75 627.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.75 627.25 m 348.75 627.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 627.25 m 418.75 627.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 627.25 m 422.75 627.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 627.25 m 492.75 627.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.75 627.25 m 496.75 627.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 627.25 m 566.75 627.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.75 543.25 m 344.75 543.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 543.25 m 418.75 543.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 543.25 m 492.75 543.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 543.25 m 566.75 543.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.75 543.25 m 344.75 543.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.75 530.25 m 344.75 530.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.75 528.25 m 344.75 528.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 543.25 m 418.75 543.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 530.25 m 418.75 530.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 528.25 m 418.75 528.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 543.25 m 492.75 543.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 530.25 m 492.75 530.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 528.25 m 492.75 528.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 543.25 m 566.75 543.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 530.25 m 566.75 530.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 528.25 m 566.75 528.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.75 431.25 m 344.75 431.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 431.25 m 418.75 431.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 431.25 m 492.75 431.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 431.25 m 566.75 431.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.75 431.25 m 344.75 431.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.75 418.25 m 344.75 418.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.75 416.25 m 344.75 416.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 431.25 m 418.75 431.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 418.25 m 418.75 418.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.75 416.25 m 418.75 416.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 431.25 m 492.75 431.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 418.25 m 492.75 418.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.75 416.25 m 492.75 416.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 431.25 m 566.75 431.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 418.25 m 566.75 418.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.75 416.25 m 566.75 416.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.75 645.92 Td (Segment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.45 665.92 Td (Deferred) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.90 655.92 Td (Acquisition) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.10 645.92 Td (Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.10 675.92 Td (Reserves for) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.15 665.92 Td (Future Policy) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.00 655.92 Td (Contract) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.55 645.92 Td (Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.80 655.92 Td (Unearned) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.95 645.92 Td (Premiums) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 665.92 Td (Policy and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.00 655.92 Td (Contract) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.55 645.92 Td (Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.10 631.82 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.25 617.93 Td (December) Tj ET Q q 0 0 0 rg BT 94.47 617.93 Td ( 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.25 589.82 Td (Unum US) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.25 589.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.90 589.82 Td (1,239.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.25 589.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.90 589.82 Td (10,840.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 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222.25 382.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.25 382.25 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.25 382.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.25 382.25 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.25 382.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.25 382.25 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.25 382.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.25 382.25 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.25 382.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 382.25 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.25 382.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.25 382.25 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 358.25 173.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.25 358.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.25 358.25 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.25 358.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.25 358.25 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.25 358.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.25 358.25 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.25 358.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.25 358.25 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.25 358.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 358.25 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.25 358.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.25 358.25 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 334.25 173.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.25 334.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.25 334.25 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.25 334.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.25 334.25 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.25 334.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.25 334.25 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.25 334.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.25 334.25 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.25 334.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 334.25 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.25 334.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.25 334.25 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 310.25 173.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.25 310.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.25 310.25 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.25 310.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.25 310.25 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.25 310.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.25 310.25 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.25 310.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.25 310.25 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.25 310.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.25 310.25 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.25 310.25 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.25 310.25 52.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 610.25 m 222.25 610.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.25 610.25 m 276.25 610.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.25 610.25 m 332.25 610.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.25 610.25 m 390.25 610.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.25 610.25 m 454.25 610.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.25 610.25 m 510.25 610.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.25 610.25 m 566.25 610.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.25 598.25 m 276.25 598.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.25 598.25 m 280.25 598.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.25 598.25 m 332.25 598.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.25 598.25 m 336.25 598.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.25 598.25 m 390.25 598.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.25 598.25 m 394.25 598.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.25 598.25 m 454.25 598.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.25 598.25 m 458.25 598.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.25 598.25 m 510.25 598.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.25 598.25 m 514.25 598.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.25 598.25 m 566.25 598.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.25 514.25 m 276.25 514.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.25 514.25 m 332.25 514.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.25 514.25 m 390.25 514.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.25 514.25 m 454.25 514.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.25 514.25 m 510.25 514.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.25 514.25 m 276.25 514.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.25 503.25 m 276.25 503.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.25 501.25 m 276.25 501.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.25 514.25 m 332.25 514.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.25 503.25 m 332.25 503.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.25 501.25 m 332.25 501.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.25 514.25 m 390.25 514.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.25 503.25 m 390.25 503.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.25 501.25 m 390.25 501.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.25 514.25 m 454.25 514.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.25 503.25 m 454.25 503.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.25 501.25 m 454.25 501.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.25 514.25 m 510.25 514.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.25 503.25 m 510.25 503.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.25 501.25 m 510.25 501.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.25 406.25 m 276.25 406.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.25 406.25 m 332.25 406.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.25 406.25 m 390.25 406.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.25 406.25 m 454.25 406.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.25 406.25 m 510.25 406.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.25 406.25 m 276.25 406.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.25 395.25 m 276.25 395.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.25 393.25 m 276.25 393.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.25 406.25 m 332.25 406.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.25 395.25 m 332.25 395.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.25 393.25 m 332.25 393.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.25 406.25 m 390.25 406.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.25 395.25 m 390.25 395.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.25 393.25 m 390.25 393.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.25 406.25 m 454.25 406.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.25 395.25 m 454.25 395.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.25 393.25 m 454.25 393.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.25 406.25 m 510.25 406.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.25 395.25 m 510.25 395.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.25 393.25 m 510.25 393.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.25 298.25 m 276.25 298.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.25 298.25 m 332.25 298.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.25 298.25 m 390.25 298.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.25 298.25 m 454.25 298.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.25 298.25 m 510.25 298.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.25 298.25 m 276.25 298.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.25 287.25 m 276.25 287.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.25 285.25 m 276.25 285.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.25 298.25 m 332.25 298.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.25 287.25 m 332.25 287.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.25 285.25 m 332.25 285.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.25 298.25 m 390.25 298.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.25 287.25 m 390.25 287.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.25 285.25 m 390.25 285.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.25 298.25 m 454.25 298.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.25 287.25 m 454.25 287.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.25 285.25 m 454.25 285.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.25 298.25 m 510.25 298.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.25 287.25 m 510.25 287.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.25 285.25 m 510.25 285.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 117.75 614.92 Td (Segment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.40 624.92 Td (Premium) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.75 614.92 Td (Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 634.92 Td (Net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.50 624.92 Td (Investment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.65 614.92 Td (Income \(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.05 654.92 Td (Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.00 644.92 Td (and Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.55 634.92 Td (in Reserves) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.60 624.92 Td (for Future) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.00 614.92 Td (Benefits \(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.05 644.92 Td (Amortization) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.55 634.92 Td (of Deferred) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.40 624.92 Td (Acquisition) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.60 614.92 Td (Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.70 634.92 Td (All Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.85 624.92 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.90 614.92 Td (\(3\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.45 624.92 Td (Premiums) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.55 614.92 Td (W) Tj ET Q q 0 0 0 rg BT 526.79 614.92 Td (ritten \(4\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.60 600.87 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 588.98 Td (December) Tj ET Q q 0 0 0 rg BT 94.97 588.98 Td ( 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 564.87 Td (Unum US) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.75 564.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.35 564.87 Td (5,736.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.75 564.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.90 564.87 Td (778.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.75 564.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.40 564.87 Td (3,856.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.75 564.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 564.87 Td (315.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.75 564.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.40 564.87 Td (1,447.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.75 564.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 564.87 Td (3,873.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 552.87 Td (Unum International) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.90 552.87 Td (568.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.90 552.87 Td (1) Tj ET Q q 0 0 0 rg BT 310.90 552.87 Td (17.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.90 552.87 Td (419.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.90 552.87 Td (8.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.90 552.87 Td (144.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 552.87 Td (455.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 540.87 Td (Colonial Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.35 540.87 Td (1,603.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.90 540.87 Td (151.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.90 540.87 Td (824.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 540.87 Td (242.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.90 540.87 Td (353.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 540.87 Td (1,277.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 528.87 Td (Closed Block) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.35 528.87 Td (1,077.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.40 528.87 Td (1,377.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.40 528.87 Td (2,919.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.40 528.87 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.90 528.87 Td (235.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 528.87 Td (1,065.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 516.87 Td (Corporate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.40 516.87 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.90 516.87 Td (29.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.40 516.87 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.40 516.87 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.90 516.87 Td (203.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 516.87 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 504.98 Td ( ) Tj ET Q q 0 0 0 rg BT 59.16 504.98 Td (T) Tj ET Q q 0 0 0 rg BT 65.28 504.98 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.75 504.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.35 504.87 Td (8,986.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.75 504.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.40 504.87 Td (2,453.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.75 504.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.40 504.87 Td (8,020.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.75 504.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 504.87 Td (565.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.75 504.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.40 504.87 Td (2,384.8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 480.98 Td (December) Tj ET Q q 0 0 0 rg BT 94.97 480.98 Td ( 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 456.87 Td (Unum US) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.75 456.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.35 456.87 Td (5,443.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.75 456.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.90 456.87 Td (81) Tj ET Q q 0 0 0 rg BT 315.90 456.87 Td (1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.75 456.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.40 456.87 Td (3,693.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.75 456.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 456.87 Td (293.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.75 456.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.40 456.87 Td (1,398.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.75 456.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 456.87 Td (3,701.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 444.87 Td (Unum International) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.90 444.87 Td (513.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.90 444.87 Td (120.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.90 444.87 Td (381.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.90 444.87 Td (9.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.90 444.87 Td (131.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 444.87 Td (404.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 432.87 Td (Colonial Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.35 432.87 Td (1,51) Tj ET Q q 0 0 0 rg BT 259.85 432.87 Td (1.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.90 432.87 Td (144.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.90 432.87 Td (788.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 432.87 Td (224.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.90 432.87 Td (331.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 432.87 Td (1,210.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 420.87 Td (Closed Block) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.35 420.87 Td (1,129.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.40 420.87 Td (1,354.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.40 420.87 Td (2,191.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.40 420.87 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.90 420.87 Td (247.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 420.87 Td (1,109.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 408.87 Td (Corporate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.40 408.87 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.90 408.87 Td (21.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.40 408.87 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.40 408.87 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.90 408.87 Td (191.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 408.87 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 396.98 Td ( ) Tj ET Q q 0 0 0 rg BT 59.16 396.98 Td (T) Tj ET Q q 0 0 0 rg BT 65.28 396.98 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.75 396.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.35 396.87 Td (8,597.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.75 396.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.40 396.87 Td (2,451.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.75 396.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.40 396.87 Td (7,055.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.75 396.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 396.87 Td (527.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.75 396.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.40 396.87 Td (2,300.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 372.98 Td (December) Tj ET Q q 0 0 0 rg BT 94.97 372.98 Td ( 31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 348.87 Td (Unum US) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.75 348.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.35 348.87 Td (5,240.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.75 348.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.90 348.87 Td (828.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.75 348.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.40 348.87 Td (3,624.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.75 348.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 348.87 Td (275.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.75 348.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.40 348.87 Td (1,369.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.75 348.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 348.87 Td (3,564.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 336.87 Td (Unum International) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.90 336.87 Td (529.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.90 336.87 Td (1) Tj ET Q q 0 0 0 rg BT 310.90 336.87 Td (18.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.90 336.87 Td (367.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.90 336.87 Td (9.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.90 336.87 Td (141.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 336.87 Td (435.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 324.87 Td (Colonial Life) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.35 324.87 Td (1,417.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.90 324.87 Td (141.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.90 324.87 Td (726.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 324.87 Td (208.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.90 324.87 Td (31) Tj ET Q q 0 0 0 rg BT 493.90 324.87 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 324.87 Td (1,145.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 312.87 Td (Closed Block) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.35 312.87 Td (1,170.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.40 312.87 Td (1,352.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.40 312.87 Td (2,223.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.40 312.87 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.90 312.87 Td (255.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.40 312.87 Td (1,161.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 300.87 Td (Corporate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.40 300.87 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.90 300.87 Td (18.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.40 300.87 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.40 300.87 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.90 300.87 Td (186.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 300.87 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 288.98 Td ( ) Tj ET Q q 0 0 0 rg BT 59.07 288.98 Td (T) Tj ET Q q 0 0 0 rg BT 64.82 288.98 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.75 288.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.35 288.87 Td (8,357.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.75 288.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.40 288.87 Td (2,459.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.75 288.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.40 288.87 Td (6,941.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.75 288.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 288.87 Td (493.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.75 288.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.40 288.87 Td (2,264.0) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 262.75 Td (\(1\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.50 262.75 Td (Net investment income is allocated based upon segmentation. Each segment has its own specifically identified assets and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.50 250.75 Td (receives the investment income generated by those assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 226.75 Td (\(2\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.50 226.75 Td (Included in 2018 is a reserve char) Tj ET Q q 0 0 0 rg BT 211.27 226.75 Td (ge of $750.8 million in the Closed Block segment related to our long-term care business. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.50 214.75 Td (Included in 2017 are unclaimed death benefits reserve increases of $26.6 million in Unum US and $12.4 million in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.50 202.75 Td (Colonial Life.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.75 Td (\(3\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.50 178.75 Td (Includes commissions; interest and debt expense; deferral of acquisition costs; compensation expense; and other expenses. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.50 166.75 Td (Where not directly attributable to a segment, expenses are generally allocated based on activity levels, time information, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.50 154.75 Td (and usage statistics. Included in 2017 is a loss contingency accrual for a guaranty fund assessment of $20.6 million in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.50 142.75 Td (Corporate. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 118.75 Td (\(4\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.50 118.75 Td (Excludes life insurance.) Tj ET Q endstream endobj 419 0 obj <> endobj 420 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (205) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 234.30 735.75 Td (SCHEDULE IV) Tj ET Q q 0 0 0 rg BT 302.19 735.75 Td (--REINSURANCE) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 242.90 711.75 Td (Unum Gr) Tj ET Q q 0 0 0 rg BT 284.11 711.75 Td (oup and Subsidiaries) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 627.25 201.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.25 627.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.25 627.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.25 627.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.25 627.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 627.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 627.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 627.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 627.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 627.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 599.25 201.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.25 599.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.25 599.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.25 599.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.25 599.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 599.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 599.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 599.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 599.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 599.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 571.25 201.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.25 571.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.25 571.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.25 571.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.25 571.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 571.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 571.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 571.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 571.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 571.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 543.25 201.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.25 543.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.25 543.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.25 543.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.25 543.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 543.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 543.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 543.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 543.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 543.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 515.25 201.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.25 515.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.25 515.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.25 515.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.25 515.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 515.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 515.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 515.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 515.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 515.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 487.25 201.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.25 487.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.25 487.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.25 487.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.25 487.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 487.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 487.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 487.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 487.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 487.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 459.25 201.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.25 459.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.25 459.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.25 459.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.25 459.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 459.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 459.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 459.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 459.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 459.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 431.25 201.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.25 431.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.25 431.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.25 431.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.25 431.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 431.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 431.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 431.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 431.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 431.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 403.25 201.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.25 403.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.25 403.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.25 403.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.25 403.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 403.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 403.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 403.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 403.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 403.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 375.25 201.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.25 375.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.25 375.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.25 375.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.25 375.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 375.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 375.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 375.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 375.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 375.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 347.25 201.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.25 347.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.25 347.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.25 347.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.25 347.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 347.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 347.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 347.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 347.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 347.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 319.25 201.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.25 319.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.25 319.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.25 319.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.25 319.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 319.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 319.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 319.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 319.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 319.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 291.25 201.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.25 291.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.25 291.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 314.25 291.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.25 291.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.25 291.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.25 291.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.25 291.25 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.25 291.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 291.25 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 641.25 m 310.25 641.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.25 641.25 m 374.25 641.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 641.25 m 438.25 641.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 641.25 m 502.25 641.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 641.25 m 566.25 641.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 627.25 m 310.25 627.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.25 627.25 m 314.25 627.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.25 627.25 m 374.25 627.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.25 627.25 m 378.25 627.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 627.25 m 438.25 627.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.25 627.25 m 442.25 627.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 627.25 m 502.25 627.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 586.25 m 310.25 586.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 584.25 m 310.25 584.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.25 586.25 m 374.25 586.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.25 584.25 m 374.25 584.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 586.25 m 438.25 586.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 584.25 m 438.25 584.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 586.25 m 502.25 586.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 584.25 m 502.25 584.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 529.25 m 310.25 529.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.25 529.25 m 374.25 529.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 529.25 m 438.25 529.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 529.25 m 502.25 529.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 529.25 m 310.25 529.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 516.25 m 310.25 516.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 514.25 m 310.25 514.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.25 529.25 m 374.25 529.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.25 516.25 m 374.25 516.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.25 514.25 m 374.25 514.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 529.25 m 438.25 529.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 516.25 m 438.25 516.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 514.25 m 438.25 514.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 529.25 m 502.25 529.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 516.25 m 502.25 516.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 514.25 m 502.25 514.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 460.25 m 310.25 460.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 458.25 m 310.25 458.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.25 460.25 m 374.25 460.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.25 458.25 m 374.25 458.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 460.25 m 438.25 460.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 458.25 m 438.25 458.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 460.25 m 502.25 460.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 458.25 m 502.25 458.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 403.25 m 310.25 403.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.25 403.25 m 374.25 403.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 403.25 m 438.25 403.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 403.25 m 502.25 403.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 403.25 m 310.25 403.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 390.25 m 310.25 390.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 388.25 m 310.25 388.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.25 403.25 m 374.25 403.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.25 390.25 m 374.25 390.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.25 388.25 m 374.25 388.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 403.25 m 438.25 403.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 390.25 m 438.25 390.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 388.25 m 438.25 388.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 403.25 m 502.25 403.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 390.25 m 502.25 390.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 388.25 m 502.25 388.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 334.25 m 310.25 334.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 332.25 m 310.25 332.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.25 334.25 m 374.25 334.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.25 332.25 m 374.25 332.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 334.25 m 438.25 334.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 332.25 m 438.25 332.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 334.25 m 502.25 334.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 332.25 m 502.25 332.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 277.25 m 310.25 277.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.25 277.25 m 374.25 277.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 277.25 m 438.25 277.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 277.25 m 502.25 277.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 277.25 m 310.25 277.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 264.25 m 310.25 264.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.25 262.25 m 310.25 262.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.25 277.25 m 374.25 277.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.25 264.25 m 374.25 264.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 314.25 262.25 m 374.25 262.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 277.25 m 438.25 277.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 264.25 m 438.25 264.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.25 262.25 m 438.25 262.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 277.25 m 502.25 277.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 264.25 m 502.25 264.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.25 262.25 m 502.25 262.25 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.05 655.92 Td (Gross) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.35 645.92 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.80 665.92 Td (Ceded to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.35 655.92 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.25 645.92 Td (Companies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.10 665.92 Td (Assumed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.35 655.92 Td (from Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.25 645.92 Td (Companies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.15 645.92 Td (Net ) Tj ET Q q 0 0 0 rg BT 463.81 645.92 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.80 675.92 Td (Percentage) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.35 665.92 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.00 655.92 Td (Assumed to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.50 645.92 Td (Net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.60 631.82 Td (\(in millions of dollars\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 617.93 Td (Y) Tj ET Q q 0 0 0 rg BT 58.42 617.93 Td (ear) Tj ET Q q 0 0 0 rg BT 71.65 617.93 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 147.57 617.93 Td ( 31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 589.82 Td (Life Insurance in Force) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.75 589.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.35 589.82 Td (937,300.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.75 589.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.40 589.82 Td (40,902.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.75 589.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.40 589.82 Td (1,089.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.75 589.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.35 589.82 Td (897,487.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 589.82 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.40 589.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 561.82 Td (Premium Income:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 547.82 Td ( Life Insurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.75 547.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.40 547.82 Td (2,442.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.75 547.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 547.82 Td (138.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.75 547.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 547.82 Td (8.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.75 547.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.40 547.82 Td (2,312.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 547.82 Td (0.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.40 547.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 533.82 Td ( ) Tj ET Q q 0 0 0 rg BT 58.97 533.82 Td (Accident, Health, and Other Insurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.40 533.82 Td (6,729.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 533.82 Td (189.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.90 533.82 Td (133.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.40 533.82 Td (6,673.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 533.82 Td (2.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.40 533.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 519.82 Td ( ) Tj ET Q q 0 0 0 rg BT 66.66 519.82 Td (T) Tj ET Q q 0 0 0 rg BT 72.33 519.82 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.75 519.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.40 519.82 Td (9,171.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.75 519.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 519.82 Td (327.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.75 519.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.90 519.82 Td (142.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.75 519.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.40 519.82 Td (8,986.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 519.82 Td (1.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.40 519.82 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 491.93 Td (Y) Tj ET Q q 0 0 0 rg BT 58.42 491.93 Td (ear) Tj ET Q q 0 0 0 rg BT 71.65 491.93 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 147.57 491.93 Td ( 31, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 463.82 Td (Life Insurance in Force) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.75 463.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.35 463.82 Td (887,857.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.75 463.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.40 463.82 Td (36,545.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.75 463.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.40 463.82 Td (1,045.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.75 463.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.35 463.82 Td (852,358.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 463.82 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.40 463.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 435.82 Td (Premium Income:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 421.82 Td ( Life Insurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.75 421.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.40 421.82 Td (2,272.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.75 421.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 421.82 Td (135.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.75 421.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.90 421.82 Td (10.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.75 421.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.40 421.82 Td (2,147.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 421.82 Td (0.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.40 421.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 407.82 Td ( ) Tj ET Q q 0 0 0 rg BT 58.97 407.82 Td (Accident, Health, and Other Insurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.40 407.82 Td (6,404.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 407.82 Td (174.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.90 407.82 Td (219.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.40 407.82 Td (6,449.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 407.82 Td (3.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.40 407.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 393.82 Td ( ) Tj ET Q q 0 0 0 rg BT 66.66 393.82 Td (T) Tj ET Q q 0 0 0 rg BT 72.33 393.82 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.75 393.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.40 393.82 Td (8,677.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.75 393.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 393.82 Td (310.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.75 393.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.90 393.82 Td (230.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.75 393.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.40 393.82 Td (8,597.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 393.82 Td (2.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.40 393.82 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 51.75 365.93 Td (Y) Tj ET Q q 0 0 0 rg BT 57.86 365.93 Td (ear) Tj ET Q q 0 0 0 rg BT 71.56 365.93 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 147.48 365.93 Td ( 31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 337.82 Td (Life Insurance in Force) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.75 337.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.35 337.82 Td (854,783.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.75 337.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.40 337.82 Td (31,882.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.75 337.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.40 337.82 Td (1,004.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.75 337.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.35 337.82 Td (823,906.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 337.82 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.40 337.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 309.82 Td (Premium Income:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 295.82 Td ( Life Insurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.75 295.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.40 295.82 Td (2,202.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.75 295.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.90 295.82 Td (151.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.75 295.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.90 295.82 Td (9.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.75 295.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.40 295.82 Td (2,061.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 295.82 Td (0.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.40 295.82 Td (%) Tj ET Q BT 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0 0 rg BT 380.75 267.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.90 267.82 Td (236.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.75 267.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.40 267.82 Td (8,357.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.90 267.82 Td (2.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.40 267.82 Td (%) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 421 0 obj <> endobj 422 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (206) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 168.85 735.75 Td (SCHEDULE ) Tj ET Q q 0 0 0 rg BT 226.18 735.75 Td (V) Tj ET Q q 0 0 0 rg BT 232.66 735.75 Td (--V) Tj ET Q q 0 0 0 rg BT 245.26 735.75 Td (ALUA) Tj ET Q q 0 0 0 rg BT 272.85 735.75 Td (TION ) Tj ET Q q 0 0 0 rg BT 300.36 735.75 Td (AND QUALIFYING ) Tj ET Q q 0 0 0 rg BT 391.48 735.75 Td (ACCOUNTS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 242.90 711.75 Td (Unum Gr) Tj ET Q q 0 0 0 rg BT 284.11 711.75 Td (oup and Subsidiaries ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 616.25 233.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.75 616.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.75 616.25 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.75 616.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.75 616.25 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.75 616.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.75 616.25 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.75 616.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.75 616.25 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.75 616.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.75 616.25 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 589.25 233.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.75 589.25 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.75 589.25 53.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.75 589.25 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.75 589.25 53.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.75 589.25 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.75 589.25 53.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.75 589.25 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.75 589.25 53.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.75 589.25 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.75 589.25 53.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 550.25 233.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.75 550.25 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.75 550.25 53.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.75 550.25 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 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53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.75 511.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.75 511.25 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.75 511.25 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.75 511.25 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.75 484.25 233.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.75 484.25 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.75 484.25 53.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.75 484.25 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.75 484.25 53.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.75 484.25 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.75 484.25 53.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.75 484.25 4.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.75 484.25 53.00 -26.00 re f 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Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 503.82 Td (\(4.4\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 502.4833984375 m 563.302734375 502.4833984375 l s q 0 0 1 rg BT 91.75 503.82 Td (Form of 5.625% Senior Note due 2020 \(incorporated by reference to Exhibit 4.1 of our Form 8-K filed on September ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 492.4833984375 m 132.580078125 492.4833984375 l s q 0 0 1 rg BT 91.75 493.82 Td (15, 2010\).) 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Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 407.82 Td (\(4.7\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 406.4833984375 m 561.6376953125 406.4833984375 l s q 0 0 1 rg BT 91.75 407.82 Td (Form of 4.000% Senior Note due 2024 \(incorporated by reference to Exhibit 4.1 of our Form 8-K filed on March 14, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 396.4833984375 m 117.580078125 396.4833984375 l s q 0 0 1 rg BT 91.75 397.82 Td (2014\).) 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Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 285.82 Td (\(4.1) Tj ET Q q 0 0 0 rg BT 67.39 285.82 Td (1\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 284.4833984375 m 546.515625 284.4833984375 l s q 0 0 1 rg BT 91.75 285.82 Td (Form of 6.250% Junior Subordinated Notes due 2058 \(incorporated by reference to Exhibit 4.1 of Unum Group's ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 274.4833984375 m 228.95703125 274.4833984375 l s q 0 0 1 rg BT 91.75 275.82 Td (Form 8-K filed on May 29, 2018\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F4 10.00 Tf ET q 0 0 0 rg BT 51.75 257.81 Td (Certain instruments defining the rights of holders of long-term debt securities of our company and our subsidiaries ar) Tj ET Q q 0 0 0 rg BT 523.86 257.81 Td (e omitted) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 51.75 247.81 Td (pursuant to Item 601\(b\)\(4\)\(iii\) of Regulation S-K. W) Tj ET Q q 0 0 0 rg BT 262.75 247.81 Td (e her) Tj ET Q q 0 0 0 rg BT 282.64 247.81 Td (eby undertake to furnish to the Securities and Exchange Commission,) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 51.75 237.81 Td (upon r) Tj ET Q q 0 0 0 rg BT 77.77 237.81 Td (equest, copies of any such instruments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 218.82 Td (\(10.1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.75 218.82 Td (Agreement between Provident Companies, Inc. and certain subsidiaries and ) Tj ET Q q 0 0 0 rg BT 396.38 218.82 Td (American General Corporation and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.75 208.82 Td (certain subsidiaries dated as of December 8, 1997 \(incorporated by reference to Exhibit 10.18 of Provident) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.75 198.82 Td (Companies Inc.'s Form 10-Q for fiscal quarter ended September 30, 1998\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 178.82 Td (\(10.2\) ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 177.4833984375 m 542.4384765625 177.4833984375 l s q 0 0 1 rg BT 91.75 178.82 Td (Form of Change in Control Severance ) Tj ET Q q 0 0 1 rg BT 246.16 178.82 Td (Agreement, as amended \(incorporated by reference to Exhibit 10.8 of our ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 167.4833984375 m 330.001953125 167.4833984375 l s q 0 0 1 rg BT 91.75 168.82 Td (Form 10-K for the fiscal year ended December 31, 2008\). *) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 150.82 Td (\(10.3\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 149.4833984375 m 563.830078125 149.4833984375 l s q 0 0 1 rg BT 91.75 150.82 Td (Form of Change in Control Severance ) Tj ET Q q 0 0 1 rg BT 246.16 150.82 Td (Agreement, ef) Tj ET Q q 0 0 1 rg BT 303.18 150.82 Td (fective ) Tj ET Q q 0 0 1 rg BT 332.33 150.82 Td (April 25, 201) Tj ET Q q 0 0 1 rg BT 385.56 150.82 Td (1 \(incorporated by reference to Exhibit 10.3 ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 139.4833984375 m 356.662109375 139.4833984375 l s q 0 0 1 rg BT 91.75 140.82 Td (of our Form 10-K for the fiscal year ended December 31, 2014\). *) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 122.82 Td (\(10.4\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 121.4833984375 m 549.7431640625 121.4833984375 l s q 0 0 1 rg BT 91.75 122.82 Td (Form of Change in Control Severance ) Tj ET Q q 0 0 1 rg BT 246.16 122.82 Td (Agreement, ef) Tj ET Q q 0 0 1 rg BT 303.18 122.82 Td (fective January 1, 2015 \(incorporated by reference to Exhibit ) Tj ET Q BT 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Plan, ef) Tj ET Q q 0 0 1 rg BT 366.54 732.57 Td (fective as of June 17, 2013 \(incorporated by ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 721.2333984375 m 458.56640625 721.2333984375 l s q 0 0 1 rg BT 91.75 722.57 Td (reference to Exhibit 10.7 of our Form 10-K for the fiscal year ended December 31, 2013\). *) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 704.57 Td (\(10.8\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 703.2333984375 m 510.08984375 703.2333984375 l s q 0 0 1 rg BT 91.75 704.57 Td (Second ) Tj ET Q q 0 0 1 rg BT 123.14 704.57 Td (Amendment to the Unum Group Supplemental Pension Plan, ef) Tj ET Q q 0 0 1 rg BT 377.64 704.57 Td (fective as of December 31, 2013 ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 693.2333984375 m 527.4287109375 693.2333984375 l s q 0 0 1 rg BT 91.75 694.57 Td (\(incorporated by reference to Exhibit 10.8 of our Form 10-K for the fiscal year ended December 31, 2013\). *) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 676.57 Td (\(10.9\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 675.2333984375 m 556.7451171875 675.2333984375 l s q 0 0 1 rg BT 91.75 676.57 Td (Third ) Tj ET Q q 0 0 1 rg BT 115.92 676.57 Td (Amendment to the Unum Group Supplemental Pension Plan, ef) Tj ET Q q 0 0 1 rg BT 370.42 676.57 Td (fective as of January 1, 2013 \(incorporated by ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 665.2333984375 m 458.56640625 665.2333984375 l s q 0 0 1 rg BT 91.75 666.57 Td (reference to Exhibit 10.8 of our Form 10-K for the fiscal year ended December 31, 2015\). *) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 648.57 Td (\(10.10\) ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 647.2333984375 m 542.1650390625 647.2333984375 l s q 0 0 1 rg BT 91.75 648.57 Td (Administrative Reinsurance ) Tj ET Q q 0 0 1 rg BT 205.61 648.57 Td (Agreement between Provident Life and ) Tj ET Q q 0 0 1 rg BT 365.28 648.57 Td (Accident Insurance Company and Reassure ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 637.2333984375 m 563.341796875 637.2333984375 l s q 0 0 1 rg BT 91.75 638.57 Td (America Life Insurance Company dated to be ef) Tj ET Q q 0 0 1 rg BT 284.54 638.57 Td (fective July1, 2000 \(incorporated by reference to Exhibit 10.1 of our ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 627.2333984375 m 231.7255859375 627.2333984375 l s q 0 0 1 rg BT 91.75 628.57 Td (Form 8-K filed on March 2, 2001\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 608.57 Td (\(10.1) Tj ET Q q 0 0 0 rg BT 72.39 608.57 Td (1\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 607.2333984375 m 563.576171875 607.2333984375 l s q 0 0 1 rg BT 91.75 608.57 Td (Unum Group ) Tj ET Q q 0 0 1 rg BT 146.75 608.57 Td (Amended and Restated Non-Employee Director Compensation Plan of 2004, as amended \(incorporated ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 597.2333984375 m 476.06640625 597.2333984375 l s q 0 0 1 rg BT 91.75 598.57 Td (by reference to Exhibit 10.19 of our Form 10-K for the fiscal year ended December 31, 2008\). *) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 580.57 Td (\(10.12\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 579.2333984375 m 544.11328125 579.2333984375 l s q 0 0 1 rg BT 91.75 580.57 Td (California Settlement ) Tj ET Q q 0 0 1 rg BT 179.51 580.57 Td (Agreement \(incorporated by reference to Exhibit 10.1 of our Form 8-K filed on October 3, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 569.2333984375 m 117.580078125 569.2333984375 l s q 0 0 1 rg BT 91.75 570.57 Td (2005\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 552.57 Td (\(10.13\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 551.2333984375 m 565.177734375 551.2333984375 l s q 0 0 1 rg BT 91.75 552.57 Td (Amendment ) Tj ET Q q 0 0 1 rg BT 143.68 552.57 Td (to ) Tj ET Q q 0 0 1 rg BT 153.96 552.57 Td (Regulatory ) Tj ET Q q 0 0 1 rg BT 200.90 552.57 Td (Settlement ) Tj ET Q q 0 0 1 rg BT 245.61 552.57 Td (Agreement ) Tj ET Q q 0 0 1 rg BT 292.54 552.57 Td (\(incorporated ) Tj ET Q q 0 0 1 rg BT 348.90 552.57 Td (by ) Tj ET Q q 0 0 1 rg BT 361.40 552.57 Td (reference ) Tj ET Q q 0 0 1 rg BT 401.08 552.57 Td (to ) Tj ET Q q 0 0 1 rg BT 411.36 552.57 Td (Exhibit ) Tj ET Q q 0 0 1 rg BT 443.30 552.57 Td (10.2 ) Tj ET Q q 0 0 1 rg BT 463.30 552.57 Td (of ) Tj ET Q q 0 0 1 rg BT 474.13 552.57 Td (our ) Tj ET Q q 0 0 1 rg BT 489.96 552.57 Td (Form ) Tj ET Q q 0 0 1 rg BT 514.13 552.57 Td (8) Tj ET Q /GS0 gs q 3.00 0 0 10.09 519.13 550.41 cm /I23 Do Q q 0 0 1 rg BT 522.13 552.57 Td (K ) Tj ET Q q 0 0 1 rg BT 531.85 552.57 Td (filed ) Tj ET Q q 0 0 1 rg BT 552.68 552.57 Td (on ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 541.2333984375 m 162.287109375 541.2333984375 l s q 0 0 1 rg BT 91.75 542.57 Td (October3, 2005\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 524.57 Td (\(10.14\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 523.2333984375 m 557.7412109375 523.2333984375 l s q 0 0 1 rg BT 91.75 524.57 Td (Unum Group Stock Incentive Plan of 2007, as amended \(incorporated by reference to Exhibit 10.26 of our Form 10-) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 513.2333984375 m 292.501953125 513.2333984375 l s q 0 0 1 rg BT 91.75 514.57 Td (K for the fiscal year ended December 31, 2008\). *) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 496.57 Td (\(10.15\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 495.2333984375 m 552.4970703125 495.2333984375 l s q 0 0 1 rg BT 91.75 496.57 Td (Severance Pay Plan for Executive ) Tj ET Q q 0 0 1 rg BT 229.57 496.57 Td (V) Tj ET Q q 0 0 1 rg BT 236.19 496.57 Td (ice Presidents \(EVPs\) \(incorporated by reference to Exhibit 10.35 of our Form ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 485.2333984375 m 305.83203125 485.2333984375 l s q 0 0 1 rg BT 91.75 486.57 Td (10-K for the fiscal year ended December 31, 2008\). *) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 468.57 Td (\(10.16\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 467.2333984375 m 530.8125 467.2333984375 l s q 0 0 1 rg BT 91.75 468.57 Td (Unum Group Stock Incentive Plan of 2012 \(incorporated by reference to ) Tj ET Q q 0 0 1 rg BT 384.16 468.57 Td (Appendix ) Tj ET Q q 0 0 1 rg BT 425.55 468.57 Td (A) Tj ET Q q 0 0 1 rg BT 432.22 468.57 Td ( of our Definitive Proxy ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 457.2333984375 m 309.77734375 457.2333984375 l s q 0 0 1 rg BT 91.75 458.57 Td (Statement on Schedule 14A) Tj ET Q q 0 0 1 rg BT 202.57 458.57 Td ( filed on ) Tj ET Q q 0 0 1 rg BT 237.84 458.57 Td (April 12, 2012\). *) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 440.57 Td (\(10.17\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 439.2333984375 m 563.3173828125 439.2333984375 l s q 0 0 1 rg BT 91.75 440.57 Td (Form of Restricted Stock Unit ) Tj ET Q q 0 0 1 rg BT 214.80 440.57 Td (Agreement with Employee for awards in 2016 under the Unum Group Stock Incentive ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 429.2333984375 m 494.71875 429.2333984375 l s q 0 0 1 rg BT 91.75 430.57 Td (Plan of 2012 \(incorporated by reference to Exhibit 10.2 of our Form 10-Q filed on ) Tj ET Q q 0 0 1 rg BT 422.78 430.57 Td (April 28, 2016\). *) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 412.57 Td (\(10.18\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 411.2333984375 m 543.048828125 411.2333984375 l s q 0 0 1 rg BT 91.75 412.57 Td (Form of Nonqualified Stock Option ) Tj ET Q q 0 0 1 rg BT 237.02 412.57 Td (Agreement for awards under the Unum Group Stock Incentive Plan of 2012 ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 401.2333984375 m 433.8837890625 401.2333984375 l s q 0 0 1 rg BT 91.75 402.57 Td (\(incorporated by reference to Exhibit 10.3 of our Form 10-Q filed on May 2, 2013\). *) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 384.57 Td (\(10.19\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 383.2333984375 m 534.1474609375 383.2333984375 l s q 0 0 1 rg BT 91.75 384.57 Td (Form of Performance Share Unit ) Tj ET Q q 0 0 1 rg BT 225.33 384.57 Td (Agreement with Employee for awards in 2016 under the Unum Group Stock ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 373.2333984375 m 534.4208984375 373.2333984375 l s q 0 0 1 rg BT 91.75 374.57 Td (Incentive Plan of 2012 \(incorporated by reference to Exhibit 10.3 of our Form 10-Q filed on ) Tj ET Q q 0 0 1 rg BT 462.48 374.57 Td (April 28, 2016\). *) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 356.57 Td (\(10.20\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 355.2333984375 m 538.3955078125 355.2333984375 l s q 0 0 1 rg BT 91.75 356.57 Td (Unum Group Non-Qualified Defined Contribution Retirement Plan, ef) Tj ET Q q 0 0 1 rg BT 373.73 356.57 Td (fective January 1, 2014 \(incorporated by ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 345.2333984375 m 463.56640625 345.2333984375 l s q 0 0 1 rg BT 91.75 346.57 Td (reference to Exhibit 10.31 of our Form 10-K for the fiscal year ended December 31, 2013\). *) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 328.57 Td (\(10.21\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 327.2333984375 m 539.826171875 327.2333984375 l s q 0 0 1 rg BT 91.75 328.57 Td (Credit ) Tj ET Q q 0 0 1 rg BT 118.69 328.57 Td (Agreement, dated as of ) Tj ET Q q 0 0 1 rg BT 213.38 328.57 Td (August 29, 2013, among Unum Group, as Borrower) Tj ET Q q 0 0 1 rg BT 421.29 328.57 Td (, ) Tj ET Q q 0 0 1 rg BT 426.11 328.57 Td (W) Tj ET Q q 0 0 1 rg BT 434.75 328.57 Td (ells Far) Tj ET Q q 0 0 1 rg BT 464.28 328.57 Td (go Bank, National ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 317.2333984375 m 564.455078125 317.2333984375 l s q 0 0 1 rg BT 91.75 318.57 Td (Association, as ) Tj ET Q q 0 0 1 rg BT 154.25 318.57 Td (Administrative ) Tj ET Q q 0 0 1 rg BT 216.18 318.57 Td (Agent, L/C ) Tj ET Q q 0 0 1 rg BT 263.13 318.57 Td (Agent, Fronting Bank and Swingline Lender) Tj ET Q q 0 0 1 rg BT 441.03 318.57 Td (, JPMor) Tj ET Q q 0 0 1 rg BT 472.53 318.57 Td (gan Chase Bank, N.A. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 307.2333984375 m 546.818359375 307.2333984375 l s q 0 0 1 rg BT 91.75 308.57 Td (and SunT) Tj ET Q q 0 0 1 rg BT 130.01 308.57 Td (rust Bank, as Co-Syndication ) Tj ET Q q 0 0 1 rg BT 249.17 308.57 Td (Agents, and the other lenders named therein \(incorporated by reference to ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 297.2333984375 m 320.0703125 297.2333984375 l s q 0 0 1 rg BT 91.75 298.57 Td (Exhibit 10.1 of our Form 8-K filed on ) Tj ET Q q 0 0 1 rg BT 245.35 298.57 Td (August 30, 2013\). ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 276.57 Td (\(10.22\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 275.2333984375 m 557.6435546875 275.2333984375 l s q 0 0 1 rg BT 91.75 276.57 Td (First ) Tj ET Q q 0 0 1 rg BT 112.04 276.57 Td (Amendment to Credit ) Tj ET Q q 0 0 1 rg BT 201.19 276.57 Td (Agreement, dated as of January 15, 2015, among Unum Group, as Borrower) Tj ET Q q 0 0 1 rg BT 506.55 276.57 Td (, the lenders ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 265.2333984375 m 547.677734375 265.2333984375 l s q 0 0 1 rg BT 91.75 266.57 Td (party thereto, and ) Tj ET Q q 0 0 1 rg BT 164.32 266.57 Td (W) Tj ET Q q 0 0 1 rg BT 172.96 266.57 Td (ells Far) Tj ET Q q 0 0 1 rg BT 202.49 266.57 Td (go Bank, National ) Tj ET Q q 0 0 1 rg BT 277.48 266.57 Td (Association, as ) Tj ET Q q 0 0 1 rg BT 339.98 266.57 Td (Administrative ) Tj ET Q q 0 0 1 rg BT 401.92 266.57 Td (Agent \(incorporated by reference to ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 255.2333984375 m 406.10546875 255.2333984375 l s q 0 0 1 rg BT 91.75 256.57 Td (Exhibit 10.35 of our Form 10-K for the fiscal year ended December 31, 2014\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 236.57 Td (\(10.23\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 235.2333984375 m 563.7421875 235.2333984375 l s q 0 0 1 rg BT 91.75 236.57 Td (Second ) Tj ET Q q 0 0 1 rg BT 123.14 236.57 Td (Amendment to Credit ) Tj ET Q q 0 0 1 rg BT 212.29 236.57 Td (Agreement, dated as of March 16, 2016, among Unum Group, as Borrower) Tj ET Q q 0 0 1 rg BT 512.65 236.57 Td (, the lenders ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 225.2333984375 m 547.677734375 225.2333984375 l s q 0 0 1 rg BT 91.75 226.57 Td (party thereto, and ) Tj ET Q q 0 0 1 rg BT 164.32 226.57 Td (W) Tj ET Q q 0 0 1 rg BT 172.96 226.57 Td (ells Far) Tj ET Q q 0 0 1 rg BT 202.49 226.57 Td (go Bank, National ) Tj ET Q q 0 0 1 rg BT 277.48 226.57 Td (Association, as ) Tj ET Q q 0 0 1 rg BT 339.98 226.57 Td (Administrative ) Tj ET Q q 0 0 1 rg BT 401.92 226.57 Td (Agent \(incorporated by reference to ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 215.2333984375 m 314.787109375 215.2333984375 l s q 0 0 1 rg BT 91.75 216.57 Td (Exhibit 10.1 of our Form 10-Q filed on ) Tj ET Q q 0 0 1 rg BT 250.35 216.57 Td (April 28, 2016\).) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 196.57 Td (\(10.24\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 195.2333984375 m 554.0107421875 195.2333984375 l s q 0 0 1 rg BT 91.75 196.57 Td (Letter ) Tj ET Q q 0 0 1 rg BT 117.57 196.57 Td (Agreement with Richard P) Tj ET Q q 0 0 1 rg BT 223.38 196.57 Td (. McKenney) Tj ET Q q 0 0 1 rg BT 272.16 196.57 Td (, dated January 30, 2015 \(incorporated by reference to Exhibit 10.1 of ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 185.2333984375 m 265.0556640625 185.2333984375 l s q 0 0 1 rg BT 91.75 186.57 Td (our Form 8-K filed on February 3, 2015\). *) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 168.57 Td (\(10.25\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 167.2333984375 m 521.0615234375 167.2333984375 l s q 0 0 1 rg BT 91.75 168.57 Td (Severance ) Tj ET Q q 0 0 1 rg BT 134.78 168.57 Td (Agreement between Unum Group and Richard P) Tj ET Q q 0 0 1 rg BT 328.62 168.57 Td (. McKenney) Tj ET Q q 0 0 1 rg BT 377.40 168.57 Td (, dated ef) Tj ET Q q 0 0 1 rg BT 414.14 168.57 Td (fective as of ) Tj ET Q q 0 0 1 rg BT 464.95 168.57 Td (April 1, 2015 ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 157.2333984375 m 446.65234375 157.2333984375 l s q 0 0 1 rg BT 91.75 158.57 Td (\(incorporated by reference to Exhibit 10.2 of our Form 8-K filed on February 3, 2015\). *) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 140.57 Td (\(10.26\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 139.2333984375 m 560.1533203125 139.2333984375 l s q 0 0 1 rg BT 91.75 140.57 Td (Amended and Restated ) Tj ET Q q 0 0 1 rg BT 186.45 140.57 Td (Aircraft ) Tj ET Q q 0 0 1 rg BT 220.41 140.57 Td (T) Tj ET Q q 0 0 1 rg BT 226.17 140.57 Td (ime-Sharing ) Tj ET Q q 0 0 1 rg BT 277.55 140.57 Td (Agreement between Unum Group and Richard P) Tj ET Q q 0 0 1 rg BT 471.39 140.57 Td (. McKenney) Tj ET Q q 0 0 1 rg BT 520.17 140.57 Td (, dated as ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 91.75 129.2333984375 m 503.3125 129.2333984375 l s q 0 0 1 rg BT 91.75 130.57 Td (of March 8, 2018. \(incorporated by reference to Exhibit 10.1 of our Form 10-Q filed on May 02, 2018\)) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 503.31 130.57 Td (.) 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Paul Jullienne) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 211.71 Td (Attorney-in-Fact) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 435 0 obj <> endobj 436 0 obj <> stream BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 510.3 759.03505859375 m 561.9796875 759.03505859375 l s q 0 0 0 rg BT 510.30 760.60 Td (Exhibit 10.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 72.00 33.00 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 271.10 742.25 Td (UNUM GROUP) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.81 742.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 185.20 730.25 Td (CHANGE IN CONTROL) Tj ET Q q 0 0 0 rg BT 295.21 730.25 Td ( SEVERANCE ) Tj ET Q q 0 0 0 rg BT 361.34 730.25 Td (AGREEMENT) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 706.25 Td (AGREEMENT) Tj ET Q q 0 0 0 rg BT 133.48 706.25 Td ( by and between Unum Group, a Delaware corporation having its principal executive of) Tj ET Q q 0 0 0 rg BT 484.29 706.25 Td (fices in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.25 Td (Chattanooga, ) Tj ET Q q 0 0 0 rg BT 104.86 694.25 Td (T) Tj ET Q q 0 0 0 rg BT 110.27 694.25 Td (ennessee \(the Company\), and ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 239.39 694.25 Td ([) Tj ET Q BT /F2 10.00 Tf ET 0 0 1 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 242.7177734375 692.68505859375 m 318.7138671875 692.68505859375 l s q 0 0 1 rg BT 242.72 694.25 Td (Executive) Tj ET Q q 0 0 1 rg BT 287.33 694.25 Td (s Name) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 318.71 694.25 Td (]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 322.04 694.25 Td ( \(the Executive\), dated this ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 440.88 694.25 Td ([) Tj ET Q BT /F2 10.00 Tf ET 0 0 1 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 444.2119140625 692.68505859375 m 461.43359375 692.68505859375 l s q 0 0 1 rg BT 444.21 694.25 Td (Day) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 461.43 694.25 Td (] ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 467.26 694.25 Td (day of ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 495.03 694.25 Td ([) Tj ET Q BT /F2 10.00 Tf ET 0 0 1 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 498.3623046875 692.68505859375 m 548.376953125 692.68505859375 l s q 0 0 1 rg BT 498.36 694.25 Td (Month and ) Tj ET Q BT /F2 10.00 Tf ET 0 0 1 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 49.5 680.68505859375 m 69.490234375 680.68505859375 l s q 0 0 1 rg BT 49.50 682.25 Td (Y) Tj ET Q q 0 0 1 rg BT 55.61 682.25 Td (ear) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 69.49 682.25 Td (]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 72.82 682.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 658.25 Td (The Company has determined that it is in the best interests of its shareholders to provide the Company with continuity of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.25 Td (management, including the continued dedication of the Executive. ) Tj ET Q q 0 0 0 rg BT 319.51 646.25 Td (Therefore, in order to accomplish these objectives, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.25 Td (Executive and the Company desire to enter into this ) Tj ET Q q 0 0 0 rg BT 258.62 634.25 Td (Agreement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 610.25 Td (NOW) Tj ET Q q 0 0 0 rg BT 94.96 610.25 Td (, ) Tj ET Q q 0 0 0 rg BT 99.78 610.25 Td (THEREFORE, IT) Tj ET Q q 0 0 0 rg BT 171.82 610.25 Td ( IS HEREBY) Tj ET Q q 0 0 0 rg BT 225.34 610.25 Td ( ) Tj ET Q q 0 0 0 rg BT 227.29 610.25 Td (AGREED ) Tj ET Q q 0 0 0 rg BT 269.79 610.25 Td (AS FOLLOWS:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.25 Td (1. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 85.50 586.25 Td (Effective Date) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.74 586.25 Td (. ) Tj ET Q q 0 0 0 rg BT 153.06 586.25 Td (The Ef) Tj ET Q q 0 0 0 rg BT 184.81 586.25 Td (fective Date shall mean ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 285.87 586.25 Td ([Effective Date]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 352.77 586.25 Td (, provided the Executive is employed by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.25 Td (Company on such date.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.25 Td (2. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 85.50 550.25 Td (T) Tj ET Q q 0 0 0 rg BT 91.25 550.25 Td (erm of ) Tj ET Q q 0 0 0 rg BT 121.24 550.25 Td (Agr) Tj ET Q q 0 0 0 rg BT 137.72 550.25 Td (eement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.25 550.25 Td (. ) Tj ET Q q 0 0 0 rg BT 175.57 550.25 Td (The Company agrees that the initial term \(the Initial ) Tj ET Q q 0 0 0 rg BT 390.60 550.25 Td (T) Tj ET Q q 0 0 0 rg BT 396.01 550.25 Td (erm\) of this ) Tj ET Q q 0 0 0 rg BT 449.05 550.25 Td (Agreement shall commence ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.25 Td (on the Ef) Tj ET Q q 0 0 0 rg BT 85.97 538.25 Td (fective Date and end on the eighteen month anniversary of the Ef) Tj ET Q q 0 0 0 rg BT 346.53 538.25 Td (fective Date. Beginning on the eighteen month ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.25 Td (anniversary of the Ef) Tj ET Q q 0 0 0 rg BT 133.45 526.25 Td (fective Date, the Initial ) Tj ET Q q 0 0 0 rg BT 227.95 526.25 Td (T) Tj ET Q q 0 0 0 rg BT 233.36 526.25 Td (erm shall be automatically extended for consecutive one year terms \(each, a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.25 Td (Renewal ) Tj ET Q q 0 0 0 rg BT 91.24 514.25 Td (T) Tj ET Q q 0 0 0 rg BT 96.65 514.25 Td (erm\) unless either the Company or the Executive shall give the other party written notice not less than 90 days ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.25 Td (prior to the end of the Initial ) Tj ET Q q 0 0 0 rg BT 165.12 502.25 Td (T) Tj ET Q q 0 0 0 rg BT 170.53 502.25 Td (erm or the current Renewal ) Tj ET Q q 0 0 0 rg BT 282.24 502.25 Td (T) Tj ET Q q 0 0 0 rg BT 287.65 502.25 Td (erm, as the case may be, that the ) Tj ET Q q 0 0 0 rg BT 419.27 502.25 Td (Agreement shall not be extended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.25 Td (after the last day of such Initial ) Tj ET Q q 0 0 0 rg BT 176.22 490.25 Td (T) Tj ET Q q 0 0 0 rg BT 181.63 490.25 Td (erm or Renewal ) Tj ET Q q 0 0 0 rg BT 247.81 490.25 Td (T) Tj ET Q q 0 0 0 rg BT 253.22 490.25 Td (erm.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.25 Td (3. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 85.50 466.25 Td (T) Tj ET Q q 0 0 0 rg BT 91.25 466.25 Td (ermination of Employment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.80 466.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 442.25 Td (\(a\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 121.50 442.25 Td (Death or Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.27 442.25 Td (. ) Tj ET Q q 0 0 0 rg BT 206.59 442.25 Td (The Executive) Tj ET Q q 0 0 0 rg BT 267.40 442.25 Td (s employment shall terminate automatically upon the Executive) Tj ET Q q 0 0 0 rg BT 524.83 442.25 Td (s death. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.25 Td (If the Company determines in good faith that the Disability of the Executive has occurred \(pursuant to the definition of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.25 Td (Disability set forth below\), it may give to the Executive written notice in accordance with Section 10\(b\) of this ) Tj ET Q q 0 0 0 rg BT 494.38 418.25 Td (Agreement of its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 406.25 Td (intention to terminate the Executive) Tj ET Q q 0 0 0 rg BT 195.56 406.25 Td (s employment. In such event, the Executive) Tj ET Q q 0 0 0 rg BT 375.24 406.25 Td (s employment with the Company shall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.25 Td (terminate ef) Tj ET Q q 0 0 0 rg BT 97.35 394.25 Td (fective on the 30th day after receipt of such notice by the Executive \(the Disability Ef) Tj ET Q q 0 0 0 rg BT 443.98 394.25 Td (fective Date\), provided that, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.25 Td (within the 30 days after such receipt, the Executive shall not have returned to full-time performance of the Executive) Tj ET Q q 0 0 0 rg BT 519.60 382.25 Td (s duties. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.25 Td (For purposes of this ) Tj ET Q q 0 0 0 rg BT 131.17 370.25 Td (Agreement, Disability shall mean the absence of the Executive from the Executive) Tj ET Q q 0 0 0 rg BT 473.26 370.25 Td (s duties with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 358.25 Td (Company on a full time basis for 180 business days during any consecutive twelve-month period as a result of incapacity due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 346.25 Td (mental or physical illness which is determined to be total and permanent by a physician selected by the Company or its insurers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 334.25 Td (and acceptable to the Executive or the Executive) Tj ET Q q 0 0 0 rg BT 246.91 334.25 Td (s legal representative.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 310.25 Td (\(b\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 121.50 310.25 Td (Cause) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.50 310.25 Td (. ) Tj ET Q q 0 0 0 rg BT 153.82 310.25 Td (The Company may terminate the Executive) Tj ET Q q 0 0 0 rg BT 330.70 310.25 Td (s employment for Cause. For purposes of this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 298.25 Td (Agreement, Cause shall mean:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 274.25 Td (\(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 274.25 Td (the continued failure of the Executive to perform substantially the Executive) Tj ET Q q 0 0 0 rg BT 466.28 274.25 Td (s duties with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 262.25 Td (Company or one of its af) Tj ET Q q 0 0 0 rg BT 149.02 262.25 Td (filiates \(other than any such failure resulting from incapacity due to physical or mental illness\), after a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 250.25 Td (written demand for substantial performance is delivered to the Executive by the Chief Executive Of) Tj ET Q q 0 0 0 rg BT 448.07 250.25 Td (ficer of the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.25 Td (\(CEO\) which specifically identifies the manner in which the CEO believes that the Executive has not substantially performed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 226.25 Td (the Executive) Tj ET Q q 0 0 0 rg BT 106.98 226.25 Td (s duties, or) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 202.25 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 202.25 Td (the willful engaging by the Executive in illegal conduct \(as determined by the Company after due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 190.25 Td (inquiry\) or gross misconduct which is demonstrably injurious to the Company's business, customer relations or reputation, or) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 166.25 Td (\(iii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 166.25 Td (the Executive) Tj ET Q q 0 0 0 rg BT 214.98 166.25 Td (s conviction of, or guilty or nolo contendere plea to, a felony) Tj ET Q q 0 0 0 rg BT 457.31 166.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 154.25 Td (For purposes of this provision, no act or failure to act on the part of the Executive shall be considered willful unless it is done ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 142.25 Td (or omitted to be done by the Executive in bad faith or without reasonable belief that the Executive) Tj ET Q q 0 0 0 rg BT 444.65 142.25 Td (s action or omission was in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 130.25 Td (the best interests of the Company) Tj ET Q q 0 0 0 rg BT 182.43 130.25 Td (. ) Tj ET Q q 0 0 0 rg BT 189.38 130.25 Td (Any act or failure to act based upon authority given pursuant to a resolution duly adopted by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 118.25 Td (the Board of Directors of the Company \(the Board\) or upon the instructions of the CEO or based upon the advice of counsel ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 106.25 Td (for the Company shall be conclusively presumed to be done or omitted to be done by the Executive in good faith and in the best ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 94.25 Td (interests of the Company) Tj ET Q q 0 0 0 rg BT 149.11 94.25 Td (. ) Tj ET Q q 0 0 0 rg BT 156.43 94.25 Td (The cessation of employment of the Executive shall not be deemed to be for Cause unless and until ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 82.25 Td (there shall have been delivered to the Executive written notice signed by the CEO of the Company of an event constituting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 70.25 Td (Cause within 90 days of the Company) Tj ET Q q 0 0 0 rg BT 205.04 70.25 Td (s knowledge of its existence.) Tj ET Q endstream endobj 437 0 obj <> endobj 438 0 obj <> stream BT /F1 8.00 Tf ET q 0 0 0 rg BT 72.00 30.20 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 303.00 30.20 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 742.10 Td (\(c\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 121.50 742.10 Td (Good Reason) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.66 742.10 Td (. ) Tj ET Q q 0 0 0 rg BT 182.98 742.10 Td (The Executive) Tj ET Q q 0 0 0 rg BT 243.79 742.10 Td (s employment may be terminated by the Executive for Good Reason \(as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (defined below\). In order to invoke a termination for Good Reason, the Executive shall provide written notice to the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (of one or more of the conditions described in clauses \(i\) through \(vii\) below within 90 days following the Executive) Tj ET Q q 0 0 0 rg BT 515.78 718.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (knowledge of the initial existence of such condition, specifying in reasonable detail the conditions constituting Good Reason, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (and the Company shall have 30 days following receipt of such written notice \(the Cure Period\) during which it may remedy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.10 Td (the condition. In the event that the Company fails to remedy the condition constituting Good Reason during the applicable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td (Cure Period, the Executive) Tj ET Q q 0 0 0 rg BT 160.02 670.10 Td (s separation from service \(within the meaning of Section 409A) Tj ET Q q 0 0 0 rg BT 419.67 670.10 Td ( of the Internal Revenue Code of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.10 Td (1986, as amended \(the Code\)\) must occur) Tj ET Q q 0 0 0 rg BT 224.87 658.10 Td (, if at all, within two years following a Change in Control in order for such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.10 Td (termination as a result of such condition to constitute a termination for Good Reason. For purposes of this ) Tj ET Q q 0 0 0 rg BT 477.21 646.10 Td (Agreement, Good ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.10 Td (Reason shall mean:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 610.10 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 157.50 610.10 Td (the assignment to the Executive of any duties materially inconsistent with the Executive) Tj ET Q q 0 0 0 rg BT 512.41 610.10 Td (s position ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.10 Td (\(including status, of) Tj ET Q q 0 0 0 rg BT 129.03 598.10 Td (fices, titles and reporting requirements\), authority) Tj ET Q q 0 0 0 rg BT 326.93 598.10 Td (, duties or responsibilities, or any other action by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.10 Td (Company which results in a material diminution in the Executive) Tj ET Q q 0 0 0 rg BT 313.05 586.10 Td (s authority) Tj ET Q q 0 0 0 rg BT 354.90 586.10 Td (, duties or responsibilities, or the budget over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.10 Td (which the Executive retains authority) Tj ET Q q 0 0 0 rg BT 198.25 574.10 Td (, excluding for this purpose an isolated, insubstantial and inadvertent action not taken in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.10 Td (bad faith;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 538.10 Td (\(ii\) ) Tj ET Q q 0 0 0 rg BT 157.50 538.10 Td (a material reduction in the Executive) Tj ET Q q 0 0 0 rg BT 307.71 538.10 Td (s annual base salary or annual tar) Tj ET Q q 0 0 0 rg BT 440.26 538.10 Td (get bonus as in ef) Tj ET Q q 0 0 0 rg BT 510.06 538.10 Td (fect prior to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.10 Td (a Change in Control \(as defined below\);) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 502.10 Td (\(iii\) ) Tj ET Q q 0 0 0 rg BT 157.50 502.10 Td (the failure of the Company to \(A\) continue in ef) Tj ET Q q 0 0 0 rg BT 349.20 502.10 Td (fect any material employee benefit plan, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.10 Td (compensation plan, welfare benefit plan or fringe benefit plan in which the Executive is participating immediately prior to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 478.10 Td (Change in Control or the taking of any action by the Company which would materially and adversely af) Tj ET Q q 0 0 0 rg BT 465.05 478.10 Td (fect the Executive's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.10 Td (participation in or materially reduce the Executive's benefits under any such plan, unless the Executive is permitted to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 454.10 Td (participate in other plans providing the Executive with materially equivalent benefits in the aggregate \(at materially equivalent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 442.10 Td (cost with respect to welfare benefit plans\), or \(B\) provide the Executive with paid vacation materially similar to that provided ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.10 Td (by the most favorable vacation policies of the Company as in ef) Tj ET Q q 0 0 0 rg BT 304.52 430.10 Td (fect for the Executive immediately prior to a Change in Control, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.10 Td (including the crediting of all service for which the Executive had been credited under such vacation policies prior to the Change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 406.10 Td (in Control;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 382.10 Td (\(iv\) ) Tj ET Q q 0 0 0 rg BT 157.50 382.10 Td (any material failure by the Company to comply with and satisfy Section 9\(c\) of this ) Tj ET Q q 0 0 0 rg BT 493.81 382.10 Td (Agreement;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 358.10 Td (\(v\) ) Tj ET Q q 0 0 0 rg BT 157.50 358.10 Td (any required relocation of the Executive following a Change in Control of more than 50 miles from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 346.10 Td (the Executive) Tj ET Q q 0 0 0 rg BT 106.98 346.10 Td (s principal business of) Tj ET Q q 0 0 0 rg BT 195.95 346.10 Td (fice as of immediately prior to the Ef) Tj ET Q q 0 0 0 rg BT 343.77 346.10 Td (fective Date;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 322.10 Td (\(vi\) ) Tj ET Q q 0 0 0 rg BT 157.50 322.10 Td (any other action or inaction that constitutes a material breach by the Company of any agreement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.10 Td (under which the Executive provides services to the Company; or) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 286.10 Td (\(vii\) ) Tj ET Q q 0 0 0 rg BT 157.50 286.10 Td (any material diminution in the authority) Tj ET Q q 0 0 0 rg BT 316.54 286.10 Td (, duties, or responsibilities of those to whom the Executive is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 274.10 Td (required to report.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 250.10 Td (\(d\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 121.50 250.10 Td (Change in Contr) Tj ET Q q 0 0 0 rg BT 188.36 250.10 Td (ol) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.13 250.10 Td (. For purposes of this ) Tj ET Q q 0 0 0 rg BT 285.30 250.10 Td (Agreement, Change in Control shall mean the occurrence of any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.10 Td (one of the following events:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 214.10 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 157.50 214.10 Td (during any period of 2 consecutive years, individuals who, at the beginning of such period, constitute ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.10 Td (the Board \(the Incumbent Directors\) cease for any reason to constitute at least a majority of the Board, provided that any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 190.10 Td (person becoming a director and whose election or nomination for election was approved by a vote of at least two-thirds of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.10 Td (Incumbent Directors then on the Board \(either by a specific vote or by approval of the proxy statement of the Company in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.10 Td (which such person is named as a nominee for director) Tj ET Q q 0 0 0 rg BT 264.31 166.10 Td (, without written objection to such nomination\) shall be an Incumbent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 154.10 Td (Director; ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 88.09375 152.76699218750002 m 123.640625 152.76699218750002 l s q 0 0 0 rg BT 88.09 154.10 Td (provided) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.64 154.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 128.640625 152.76699218750002 m 162.869140625 152.76699218750002 l s q 0 0 0 rg BT 128.64 154.10 Td (however) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.67 154.10 Td (, that no individual initially elected or nominated as a director of the Company as a result of an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 142.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 75.87 142.10 Td (or ) Tj ET Q q 0 0 0 rg BT 86.70 142.10 Td (threatened ) Tj ET Q q 0 0 0 rg BT 130.84 142.10 Td (election ) Tj ET Q q 0 0 0 rg BT 164.99 142.10 Td (contest ) Tj ET Q q 0 0 0 rg BT 195.82 142.10 Td (\(as ) Tj ET Q q 0 0 0 rg BT 209.98 142.10 Td (described ) Tj ET Q q 0 0 0 rg BT 250.79 142.10 Td (in ) Tj ET Q q 0 0 0 rg BT 261.07 142.10 Td (Rule ) Tj ET Q q 0 0 0 rg BT 282.46 142.10 Td (14a) Tj ET Q /GS0 gs q 3.00 0 0 10.09 296.90 139.94 cm /I24 Do Q q 0 0 0 rg BT 299.90 142.10 Td (12\(c\) ) Tj ET Q q 0 0 0 rg BT 323.49 142.10 Td (under ) Tj ET Q q 0 0 0 rg BT 348.76 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 363.48 142.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 405.41 142.10 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 446.79 142.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 463.72 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 474.55 142.10 Td (1934 ) Tj ET Q q 0 0 0 rg BT 497.05 142.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 515.10 142.10 Td (Act\)\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 130.10 Td (\(Election Contest\) or other actual or threatened solicitation of proxies or consents by or on behalf of any person \(as such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 118.10 Td (term is defined in Section 3\(a\)\(9\) of the ) Tj ET Q q 0 0 0 rg BT 210.01 118.10 Td (Act and as used in Sections 13\(d\)\(3\) and 14\(d\)\(2\) of the ) Tj ET Q q 0 0 0 rg BT 435.78 118.10 Td (Act\) other than the Board ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 106.10 Td (\(Proxy Contest\), including by reason of any agreement intended to avoid or settle any Election Contest or Proxy Contest, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 94.10 Td (shall be deemed an Incumbent Director;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 70.10 Td (\(ii\) ) Tj ET Q q 0 0 0 rg BT 157.50 70.10 Td (any ) Tj ET Q q 0 0 0 rg BT 174.44 70.10 Td (person ) Tj ET Q q 0 0 0 rg BT 203.60 70.10 Td (is ) Tj ET Q q 0 0 0 rg BT 212.77 70.10 Td (or ) Tj ET Q q 0 0 0 rg BT 223.60 70.10 Td (becomes ) Tj ET Q q 0 0 0 rg BT 261.08 70.10 Td (a ) Tj ET Q q 0 0 0 rg BT 268.02 70.10 Td (beneficial ) Tj ET Q q 0 0 0 rg BT 314.38 70.10 Td (owner ) Tj ET Q q 0 0 0 rg BT 346.31 70.10 Td (\(as ) Tj ET Q q 0 0 0 rg BT 360.47 70.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 392.95 70.10 Td (in ) Tj ET Q q 0 0 0 rg BT 403.23 70.10 Td (Rule ) Tj ET Q q 0 0 0 rg BT 424.62 70.10 Td (13d) Tj ET Q /GS0 gs q 3.00 0 0 10.09 439.62 67.94 cm /I25 Do Q q 0 0 0 rg BT 442.62 70.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 450.12 70.10 Td (under ) Tj ET Q q 0 0 0 rg BT 475.39 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 489.55 70.10 Td (Act\), ) Tj ET Q q 0 0 0 rg BT 512.32 70.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 545.36 70.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 58.10 Td (indirectly) Tj ET Q q 0 0 0 rg BT 87.17 58.10 Td (, of securities of the Company representing 20% \(30% with respect to deferred compensation subject to Section 409A) Tj ET Q q 0 0 0 rg BT 557.60 58.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 46.10 Td (of the Code\) or more of the combined voting power of the Company) Tj ET Q q 0 0 0 rg BT 326.10 46.10 Td (s then outstanding securities eligible to vote for the ) Tj ET Q endstream endobj 439 0 obj <> endobj 440 0 obj <> stream BT /F1 8.00 Tf ET q 0 0 0 rg BT 72.00 30.20 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 303.00 30.20 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (election of the Board \(the Company ) Tj ET Q q 0 0 0 rg BT 199.83 742.10 Td (V) Tj ET Q q 0 0 0 rg BT 205.76 742.10 Td (oting Securities\); ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 281.296875 740.7669921875 m 316.84375 740.7669921875 l s q 0 0 0 rg BT 281.30 742.10 Td (provided) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.84 742.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 321.84375 740.7669921875 m 356.072265625 740.7669921875 l s q 0 0 0 rg BT 321.84 742.10 Td (however) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.87 742.10 Td (, that the event described in this paragraph \(ii\) shall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (not be deemed to be a Change in Control of the Company by virtue of any of the following acquisitions: \(A\) by the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (of any subsidiary) Tj ET Q q 0 0 0 rg BT 117.73 718.10 Td (, \(B\) by any employee benefit plan \(or related trust\) sponsored or maintained by the Company or any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 89.96 706.10 Td (, \(C\) by an underwriter temporarily holding securities pursuant to an of) Tj ET Q q 0 0 0 rg BT 374.15 706.10 Td (fering of such securities, \(D\) pursuant to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (Non-Qualifying ) Tj ET Q q 0 0 0 rg BT 115.70 694.10 Td (T) Tj ET Q q 0 0 0 rg BT 121.45 694.10 Td (ransaction \(as defined in paragraph \(iii\)\), or \(E\) a transaction \(other than one described in paragraph \(iii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.10 Td (below\) in which Company ) Tj ET Q q 0 0 0 rg BT 158.19 682.10 Td (V) Tj ET Q q 0 0 0 rg BT 164.12 682.10 Td (oting Securities are acquired from the Company) Tj ET Q q 0 0 0 rg BT 355.64 682.10 Td (, if a majority of the Incumbent Directors approve a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td (resolution providing expressly that the acquisition pursuant to this clause \(E\) does not constitute a Change in Control of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.10 Td (Company under this paragraph \(ii\);) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 634.10 Td (\(iii\) ) Tj ET Q q 0 0 0 rg BT 157.50 634.10 Td (the consummation of a mer) Tj ET Q q 0 0 0 rg BT 266.73 634.10 Td (ger) Tj ET Q q 0 0 0 rg BT 279.10 634.10 Td (, consolidation, statutory share exchange or similar form of corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.10 Td (transaction involving the Company or any of its subsidiaries that requires the approval of the Company) Tj ET Q q 0 0 0 rg BT 464.69 622.10 Td (s stockholders, whether ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td (for such transaction or the issuance of securities in the transaction \(a Reor) Tj ET Q q 0 0 0 rg BT 349.21 610.10 Td (ganization\), or sale or other disposition of all or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.10 Td (substantially all of the Company) Tj ET Q q 0 0 0 rg BT 182.26 598.10 Td (s assets to an entity that is not an af) Tj ET Q q 0 0 0 rg BT 323.44 598.10 Td (filiate of the Company \(a Sale\), unless immediately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.10 Td (following such Reor) Tj ET Q q 0 0 0 rg BT 130.97 586.10 Td (ganization or Sale: \(A\) more than 50% of the total voting power of \(x\) the corporation resulting from such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.10 Td (Reor) Tj ET Q q 0 0 0 rg BT 68.76 574.10 Td (ganization or the corporation which has acquired all or substantially all of the assets of the Company \(in either case, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.10 Td (Surviving Corporation\), or \(y\) if applicable, the ultimate parent corporation that directly or indirectly has beneficial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.10 Td (ownership of 100% of the voting securities eligible to elect directors of the Surviving Corporation \(the Parent Corporation\), is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.10 Td (represented by the Company ) Tj ET Q q 0 0 0 rg BT 166.51 538.10 Td (V) Tj ET Q q 0 0 0 rg BT 172.44 538.10 Td (oting Securities that were outstanding immediately prior to such Reor) Tj ET Q q 0 0 0 rg BT 450.81 538.10 Td (ganization or Sale \(or) Tj ET Q q 0 0 0 rg BT 536.77 538.10 Td (, if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.10 Td (applicable, is represented by shares into which such Company ) Tj ET Q q 0 0 0 rg BT 300.36 526.10 Td (V) Tj ET Q q 0 0 0 rg BT 306.30 526.10 Td (oting Securities were converted pursuant to such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.10 Td (Reor) Tj ET Q q 0 0 0 rg BT 68.76 514.10 Td (ganization or Sale\), and such voting power among the holders thereof is in substantially the same proportion as the voting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.10 Td (power of such Company ) Tj ET Q q 0 0 0 rg BT 149.86 502.10 Td (V) Tj ET Q q 0 0 0 rg BT 155.79 502.10 Td (oting Securities among the holders thereof immediately prior to the Reor) Tj ET Q q 0 0 0 rg BT 446.64 502.10 Td (ganization or Sale, \(B\) no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.10 Td (person \(other than any employee benefit plan \(or related trust\) sponsored or maintained by the Surviving Corporation or the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 478.10 Td (Parent Corporation\) is or becomes the beneficial owner) Tj ET Q q 0 0 0 rg BT 270.41 478.10 Td (, directly or indirectly) Tj ET Q q 0 0 0 rg BT 356.96 478.10 Td (, of 20% \(30% with respect to deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.10 Td (compensation subject to Section 409A) Tj ET Q q 0 0 0 rg BT 202.81 466.10 Td ( of the Code\) or more of the total voting power of the outstanding voting securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 454.10 Td (eligible to elect directors of the Parent Corporation \(or) Tj ET Q q 0 0 0 rg BT 266.80 454.10 Td (, if there is no Parent Corporation, the Surviving Corporation\) and \(C\) at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 442.10 Td (least a majority of the members of the board of directors of the Parent Corporation \(or) Tj ET Q q 0 0 0 rg BT 393.16 442.10 Td (, if there is no Parent Corporation, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.10 Td (Surviving Corporation\) following the consummation of the Reor) Tj ET Q q 0 0 0 rg BT 307.89 430.10 Td (ganization or Sale were Incumbent Directors at the time of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.10 Td (Board) Tj ET Q q 0 0 0 rg BT 76.72 418.10 Td (s approval of the execution of the initial agreement providing for such Reor) Tj ET Q q 0 0 0 rg BT 378.67 418.10 Td (ganization or Sale \(any Reor) Tj ET Q q 0 0 0 rg BT 492.89 418.10 Td (ganization or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 406.10 Td (Sale which satisfies all of the criteria specified in clauses \(A\), \(B\) and \(C\) above shall be deemed to be a Non-Qualifying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.26 394.10 Td (ransaction\); or) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 370.10 Td (\(iv\) ) Tj ET Q q 0 0 0 rg BT 157.50 370.10 Td (the stockholders of the Company approve a plan of complete liquidation or dissolution of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 358.10 Td (Company) Tj ET Q q 0 0 0 rg BT 87.74 358.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 334.10 Td (Notwithstanding the foregoing, a Change in Control of the Company shall not be deemed to occur solely because any person ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 322.10 Td (acquires beneficial ownership of more than 20% \(30% with respect to deferred compensation subject to Section 409A) Tj ET Q q 0 0 0 rg BT 520.47 322.10 Td ( of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.10 Td (Code\) of the Company ) Tj ET Q q 0 0 0 rg BT 143.19 310.10 Td (V) Tj ET Q q 0 0 0 rg BT 149.12 310.10 Td (oting Securities as a result of the acquisition of Company ) Tj ET Q q 0 0 0 rg BT 380.56 310.10 Td (V) Tj ET Q q 0 0 0 rg BT 386.50 310.10 Td (oting Securities by the Company which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 298.10 Td (reduces the number of Company ) Tj ET Q q 0 0 0 rg BT 182.34 298.10 Td (V) Tj ET Q q 0 0 0 rg BT 188.27 298.10 Td (oting Securities outstanding; ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 305.203125 296.7669921875 m 340.75 296.7669921875 l s q 0 0 0 rg BT 305.20 298.10 Td (provided) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.75 298.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 345.75 296.7669921875 m 360.7451171875 296.7669921875 l s q 0 0 0 rg BT 345.75 298.10 Td (that) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.75 298.10 Td ( if after such acquisition by the Company such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 286.10 Td (person becomes the beneficial owner of additional Company ) Tj ET Q q 0 0 0 rg BT 294.80 286.10 Td (V) Tj ET Q q 0 0 0 rg BT 300.73 286.10 Td (oting Securities that increases the percentage of outstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 274.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 90.71 274.10 Td (V) Tj ET Q q 0 0 0 rg BT 96.64 274.10 Td (oting Securities beneficially owned by such person, a Change in Control of the Company shall then occur) Tj ET Q q 0 0 0 rg BT 518.49 274.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 250.10 Td (\(e\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 121.50 250.10 Td (Notice of T) Tj ET Q q 0 0 0 rg BT 165.03 250.10 Td (ermination) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.91 250.10 Td (. ) Tj ET Q q 0 0 0 rg BT 215.86 250.10 Td (Any termination by the Company or by the Executive shall be communicated by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.10 Td (Notice of ) Tj ET Q q 0 0 0 rg BT 89.30 238.10 Td (T) Tj ET Q q 0 0 0 rg BT 94.71 238.10 Td (ermination to the other party hereto given in accordance with Section 10\(b\) of this ) Tj ET Q q 0 0 0 rg BT 425.73 238.10 Td (Agreement. For purposes of this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 226.10 Td (Agreement, a Notice of ) Tj ET Q q 0 0 0 rg BT 150.11 226.10 Td (T) Tj ET Q q 0 0 0 rg BT 155.52 226.10 Td (ermination means a written notice which \(i\) indicates the specific termination provision in this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 214.10 Td (Agreement relied upon, \(ii\) to the extent applicable, sets forth in reasonable detail the facts and circumstances claimed to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.10 Td (provide a basis for termination of the Executive) Tj ET Q q 0 0 0 rg BT 243.05 202.10 Td (s employment under the provision so indicated and \(iii\) if the Date of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 190.10 Td (T) Tj ET Q q 0 0 0 rg BT 54.91 190.10 Td (ermination \(as defined below\) is other than the date of receipt of such notice, specifies the termination date \(which date shall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.10 Td (be not more than 30 days after the giving of such notice\). ) Tj ET Q q 0 0 0 rg BT 283.14 178.10 Td (The failure by the Executive or the Company to set forth in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.10 Td (Notice of ) Tj ET Q q 0 0 0 rg BT 89.30 166.10 Td (T) Tj ET Q q 0 0 0 rg BT 94.71 166.10 Td (ermination any fact or circumstance which contributes to a showing of Good Reason or Cause shall not waive any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 154.10 Td (right of the Executive or the Company) Tj ET Q q 0 0 0 rg BT 202.70 154.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 255.36 154.10 Td (, hereunder or preclude the Executive or the Company) Tj ET Q q 0 0 0 rg BT 471.57 154.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 524.23 154.10 Td (, from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 142.10 Td (asserting such fact or circumstance in enforcing the Executive) Tj ET Q q 0 0 0 rg BT 300.51 142.10 Td (s or the Company) Tj ET Q q 0 0 0 rg BT 374.11 142.10 Td (s rights hereunder) Tj ET Q q 0 0 0 rg BT 445.21 142.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 118.10 Td (\(f\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 121.50 118.10 Td (Date of T) Tj ET Q q 0 0 0 rg BT 158.36 118.10 Td (ermination) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.25 118.10 Td (. Date of ) Tj ET Q q 0 0 0 rg BT 246.21 118.10 Td (T) Tj ET Q q 0 0 0 rg BT 251.62 118.10 Td (ermination means \(i\) if the Executive) Tj ET Q q 0 0 0 rg BT 407.95 118.10 Td (s employment is terminated by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 106.10 Td (Company other than for Disability) Tj ET Q q 0 0 0 rg BT 186.60 106.10 Td (, or by the Executive, the date of receipt of the Notice of ) Tj ET Q q 0 0 0 rg BT 414.39 106.10 Td (T) Tj ET Q q 0 0 0 rg BT 419.80 106.10 Td (ermination or any later date ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 94.10 Td (specified therein, as being the employment termination date and occurring within 30 days of such notice, provided that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 82.10 Td (Company may elect to place the Executive on paid leave for all or any part of such up-to-30-day period or accelerate the Date ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.15 70.10 Td (T) Tj ET Q q 0 0 0 rg BT 65.56 70.10 Td (ermination or \(ii\) if the Executive) Tj ET Q q 0 0 0 rg BT 203.01 70.10 Td (s employment is terminated by reason of death or Disability) Tj ET Q q 0 0 0 rg BT 442.03 70.10 Td (, the date of death of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 58.10 Td (Executive or the Disability Ef) Tj ET Q q 0 0 0 rg BT 168.73 58.10 Td (fective Date, as the case may be; provided, however) Tj ET Q q 0 0 0 rg BT 376.57 58.10 Td (, that in no event shall the Executive's Date of ) Tj ET Q endstream endobj 441 0 obj <> endobj 442 0 obj <> stream BT /F1 8.00 Tf ET q 0 0 0 rg BT 72.00 30.20 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 303.00 30.20 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 54.91 742.10 Td (ermination be deemed to have occurred before the Executive experiences a "separation from service" \(within the meaning of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (Section 409A) Tj ET Q q 0 0 0 rg BT 103.67 730.10 Td ( of the Code\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (4. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 85.50 706.10 Td (Obligations of the Company upon ) Tj ET Q q 0 0 0 rg BT 232.30 706.10 Td (T) Tj ET Q q 0 0 0 rg BT 238.05 706.10 Td (ermination) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.27 706.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 682.10 Td (\(a\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 121.50 682.10 Td (Good Reason; Other Than for Cause, Death or Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.33 682.10 Td (. If, within two years following a Change in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td (Control, the Company shall terminate the Executive) Tj ET Q q 0 0 0 rg BT 260.28 670.10 Td (s employment other than for Cause, Disability or death, or the Executive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.10 Td (shall terminate employment for Good Reason, this ) Tj ET Q q 0 0 0 rg BT 253.35 658.10 Td (Agreement shall terminate without further obligation to the Executive other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.10 Td (than as follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 622.10 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 157.50 622.10 Td (the Company shall pay to the Executive in a lump sum in cash within 60 days after the Date of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td (T) Tj ET Q q 0 0 0 rg BT 54.91 610.10 Td (ermination, subject to the Executive) Tj ET Q q 0 0 0 rg BT 201.81 610.10 Td (s execution and nonrevocation within 28 days \(or 52 days, as applicable law may require\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.10 Td (after the Date of ) Tj ET Q q 0 0 0 rg BT 117.06 598.10 Td (T) Tj ET Q q 0 0 0 rg BT 122.47 598.10 Td (ermination of the general release described in Section 1) Tj ET Q q 0 0 0 rg BT 344.23 598.10 Td (1:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 574.10 Td (\(A\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.50 574.10 Td (the product of 2 times the sum of \(x\) the Executive) Tj ET Q q 0 0 0 rg BT 400.11 574.10 Td (s annual bonus, including any deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.10 Td (amounts \(based upon the higher of \(1\) the Executive) Tj ET Q q 0 0 0 rg BT 262.21 562.10 Td (s tar) Tj ET Q q 0 0 0 rg BT 278.97 562.10 Td (get bonus for the fiscal year in which the Change in Control occurs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.10 Td (\(or) Tj ET Q q 0 0 0 rg BT 60.76 550.10 Td (, if the Executive) Tj ET Q q 0 0 0 rg BT 131.84 550.10 Td (s tar) Tj ET Q q 0 0 0 rg BT 148.60 550.10 Td (get bonus for such period has not been established at the time of the Change in Control, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.10 Td (Executive) Tj ET Q q 0 0 0 rg BT 92.26 538.10 Td (s tar) Tj ET Q q 0 0 0 rg BT 109.02 538.10 Td (get bonus for the fiscal year prior to the fiscal year in which the Change in Control occurs\) and \(2\) the bonus the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.10 Td (Executive received for the fiscal year immediately preceding the fiscal year in which the Change in Control occurs\), and \(y\) the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.10 Td (Executive) Tj ET Q q 0 0 0 rg BT 92.26 514.10 Td (s annual base salary \(based upon the higher of \(i\) the Executive) Tj ET Q q 0 0 0 rg BT 348.56 514.10 Td (s annual base salary as of the Date of ) Tj ET Q q 0 0 0 rg BT 499.15 514.10 Td (T) Tj ET Q q 0 0 0 rg BT 504.56 514.10 Td (ermination or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.10 Td (\(ii\) the highest annual base salary rate at which the Executive was compensated during the 12-month period prior to the Change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.10 Td (in Control\); and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 466.10 Td (\(B\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.50 466.10 Td (the sum of \(x\) the Executive) Tj ET Q q 0 0 0 rg BT 309.85 466.10 Td (s annual base salary through the Date of ) Tj ET Q q 0 0 0 rg BT 472.40 466.10 Td (T) Tj ET Q q 0 0 0 rg BT 477.81 466.10 Td (ermination to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 454.10 Td (extent not theretofore paid or deferred pursuant to an irrevocable election under any deferred compensation arrangement subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 442.10 Td (to Section 409A) Tj ET Q q 0 0 0 rg BT 113.94 442.10 Td ( of the Code, and \(y\) the product of \(1\) the Executive) Tj ET Q q 0 0 0 rg BT 329.43 442.10 Td (s annual bonus for the fiscal year in which the Change in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.10 Td (Control occurred, assuming that the Executive achieved the Executive) Tj ET Q q 0 0 0 rg BT 333.01 430.10 Td (s tar) Tj ET Q q 0 0 0 rg BT 349.77 430.10 Td (get \(or) Tj ET Q q 0 0 0 rg BT 375.75 430.10 Td (, if the Executive) Tj ET Q q 0 0 0 rg BT 446.83 430.10 Td (s tar) Tj ET Q q 0 0 0 rg BT 463.59 430.10 Td (get bonus for such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.10 Td (period has not been established at the time of the Change in Control, the Executive) Tj ET Q q 0 0 0 rg BT 383.58 418.10 Td (s tar) Tj ET Q q 0 0 0 rg BT 400.33 418.10 Td (get bonus for the fiscal year prior to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 406.10 Td (fiscal year in which the Change in Control occurs\) and \(2\) a fraction, the numerator of which is the number of days in the fiscal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.10 Td (year in which the Date of ) Tj ET Q q 0 0 0 rg BT 153.17 394.10 Td (T) Tj ET Q q 0 0 0 rg BT 158.58 394.10 Td (ermination occurred through the Date of ) Tj ET Q q 0 0 0 rg BT 322.22 394.10 Td (T) Tj ET Q q 0 0 0 rg BT 327.63 394.10 Td (ermination and the denominator of which is 365 \(the sum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.10 Td (of the amounts described in clauses \(x\) and \(y\) shall be hereinafter referred to as the Accrued Obligations\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 358.10 Td (\(ii\) ) Tj ET Q q 0 0 0 rg BT 157.50 358.10 Td (the Company shall continue to provide, for a period of 2 years following the Executive) Tj ET Q q 0 0 0 rg BT 507.69 358.10 Td (s Date of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 346.10 Td (T) Tj ET Q q 0 0 0 rg BT 54.91 346.10 Td (ermination, the Executive \(and the Executive) Tj ET Q q 0 0 0 rg BT 238.17 346.10 Td (s dependents, if applicable\) with the same level of medical, dental, disability and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 334.10 Td (life insurance benefits upon substantially the same terms and conditions \(including contributions required by the Executive for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 322.10 Td (such benefits\) as existed immediately prior to the Executive) Tj ET Q q 0 0 0 rg BT 291.65 322.10 Td (s Date of ) Tj ET Q q 0 0 0 rg BT 330.07 322.10 Td (T) Tj ET Q q 0 0 0 rg BT 335.48 322.10 Td (ermination \(or) Tj ET Q q 0 0 0 rg BT 392.56 322.10 Td (, if more favorable to the Executive, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.10 Td (such benefits and terms and conditions existed immediately prior to the Change in Control\); provided that, if the Executive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 298.10 Td (cannot continue to participate in the Company plans providing such benefits, the Company shall otherwise provide such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 286.10 Td (benefits on the same after) Tj ET Q q 0 0 0 rg BT 152.03 286.10 Td (-tax basis as if continued participation had been permitted; ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 388.904296875 284.7669921875 m 424.451171875 284.7669921875 l s q 0 0 0 rg BT 388.90 286.10 Td (provided) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.45 286.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 429.451171875 284.7669921875 m 463.6796875 284.7669921875 l s q 0 0 0 rg BT 429.45 286.10 Td (however) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.48 286.10 Td (, that the medical and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 274.10 Td (dental benefits provided pursuant to this paragraph shall be provided in such a manner that such benefits \(and the costs and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 262.10 Td (premiums thereof\) are excluded from the Executive) Tj ET Q q 0 0 0 rg BT 258.86 262.10 Td (s income for federal income tax purposes and, if the Company reasonably ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 250.10 Td (determines that providing continued coverage under one or more of its benefit plans could be taxable to the Executive, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.10 Td (Company may provide such benefits at the level required hereby through the purchase of individual insurance coverage. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 226.10 Td (Notwithstanding the foregoing, \(x\) if and to the extent required to avoid the imposition of taxes and penalties under Section ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 214.10 Td (409A) Tj ET Q q 0 0 0 rg BT 71.17 214.10 Td ( of the Code, the Executive will pay the entire cost of such coverage for the first 6 months after the Date of ) Tj ET Q q 0 0 0 rg BT 500.84 214.10 Td (T) Tj ET Q q 0 0 0 rg BT 506.25 214.10 Td (ermination ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.10 Td (and the Company will reimburse the Executive for the Company) Tj ET Q q 0 0 0 rg BT 310.82 202.10 Td (s share of such costs, determined pursuant to this paragraph, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 190.10 Td (on the six-month anniversary of the Executive) Tj ET Q q 0 0 0 rg BT 237.22 190.10 Td (s separation from service as defined under Section 409A) Tj ET Q q 0 0 0 rg BT 471.59 190.10 Td ( of the Code, and \(y\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.10 Td (in the event the Executive becomes reemployed with another employer and becomes eligible to receive welfare benefits from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.10 Td (such employer) Tj ET Q q 0 0 0 rg BT 107.69 166.10 Td (, the welfare benefits described herein shall be secondary to such benefits during the period of the Executive) Tj ET Q q 0 0 0 rg BT 543.65 166.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 154.10 Td (eligibility) Tj ET Q q 0 0 0 rg BT 87.74 154.10 Td (, but only to the extent that the Company reimburses the Executive for any increased cost and provides any additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 142.10 Td (benefits necessary to give the Executive the benefits provided hereunder; ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 344.3876953125 140.76699218750002 m 379.9345703125 140.76699218750002 l s q 0 0 0 rg BT 344.39 142.10 Td (provided) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.93 142.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 384.9345703125 140.76699218750002 m 419.1630859375 140.76699218750002 l s q 0 0 0 rg BT 384.93 142.10 Td (however) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.96 142.10 Td (, that such reimbursements shall be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 130.10 Td (provided only in such a manner that such reimbursements are excluded from the Executive) Tj ET Q q 0 0 0 rg BT 415.77 130.10 Td (s income for federal income tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 118.10 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 92.37 118.10 Td (T) Tj ET Q q 0 0 0 rg BT 97.78 118.10 Td (o the extent that the reimbursement of any expenses or the provision of any in-kind benefits pursuant to this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 106.10 Td (Agreement is subject to Section 409A) Tj ET Q q 0 0 0 rg BT 200.86 106.10 Td ( of the Code, \(i\) the amount of such expenses eligible for reimbursement, or in-kind ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 94.10 Td (benefits to be provided hereunder during any one calendar year shall not af) Tj ET Q q 0 0 0 rg BT 349.20 94.10 Td (fect the amount of such expenses eligible for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 82.10 Td (reimbursement or in-kind benefits to be provided hereunder in any other calendar year \(provided, however) Tj ET Q q 0 0 0 rg BT 475.33 82.10 Td (, that the foregoing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 70.10 Td (shall not apply to any limit on the amount of any expenses incurred by the Executive that may be reimbursed or paid under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 58.10 Td (terms of the Company) Tj ET Q q 0 0 0 rg BT 141.43 58.10 Td (s medical plan, if such limit is imposed on all similarly situated participants in such plan\); \(ii\) all such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 46.10 Td (expenses eligible for reimbursement hereunder shall be paid to the Executive as soon as administratively practicable after any ) Tj ET Q endstream endobj 443 0 obj <> endobj 444 0 obj <> stream BT /F1 8.00 Tf ET q 0 0 0 rg BT 72.00 30.20 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 303.00 30.20 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (documentation required for reimbursement for such expenses has been submitted, but in any event by no later than December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (31 of the calendar year following the calendar year in which such expenses were incurred; and \(iii\) the Executive) Tj ET Q q 0 0 0 rg BT 504.87 730.10 Td (s right to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (receive any such reimbursements or in-kind benefits shall not be subject to liquidation or exchange for any other benefit.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 694.10 Td (\(iii\) ) Tj ET Q q 0 0 0 rg BT 157.50 694.10 Td (the Executive) Tj ET Q q 0 0 0 rg BT 214.98 694.10 Td (s stock options, restricted stock awards and other equity based awards \(Equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.10 Td (A) Tj ET Q q 0 0 0 rg BT 55.80 682.10 Td (wards\) shall vest and be exercisable as provided in, and subject to the terms of, their applicable agreements and applicable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td (Company plan or policy) Tj ET Q q 0 0 0 rg BT 145.78 670.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 646.10 Td (\(iv\) ) Tj ET Q q 0 0 0 rg BT 157.50 646.10 Td (to the extent not theretofore paid or provided, the Company shall timely pay or provide to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.10 Td (Executive any other amounts or benefits required to be paid or provided or which the Executive is eligible to receive under any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.10 Td (plan, program, policy or practice or contract or agreement of the Company and its af) Tj ET Q q 0 0 0 rg BT 386.97 622.10 Td (filiated companies through the Date of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td (T) Tj ET Q q 0 0 0 rg BT 54.91 610.10 Td (ermination \(such other amounts and benefits shall be hereinafter referred to as the Other Benefits\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 586.10 Td (\(v\) ) Tj ET Q q 0 0 0 rg BT 157.50 586.10 Td (the Company shall provide individual outplacement services to the Executive in accordance with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.10 Td (practices and policies of the Company in ef) Tj ET Q q 0 0 0 rg BT 222.87 574.10 Td (fect immediately prior to the Change in Control.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.10 Td (Notwithstanding anything in this ) Tj ET Q q 0 0 0 rg BT 182.83 550.10 Td (Agreement to the contrary) Tj ET Q q 0 0 0 rg BT 287.42 550.10 Td (, if \(i\) the Executive) Tj ET Q q 0 0 0 rg BT 370.44 550.10 Td (s employment is terminated prior to a Change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.10 Td (in Control for reasons that would have constituted a Good Reason or without Cause termination if they had occurred following ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.10 Td (a Change in Control; or \(ii\) the Executive reasonably demonstrates that such termination \(or Good Reason event\) was in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.10 Td (anticipation of, in connection with, or was at the request of a third party who had indicated an intention or taken steps ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.10 Td (reasonably calculated to ef) Tj ET Q q 0 0 0 rg BT 156.21 502.10 Td (fect a Change in Control and a Change in Control involving such third party \(or a party competing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.10 Td (with such third party to ef) Tj ET Q q 0 0 0 rg BT 152.91 490.10 Td (fectuate a Change in Control\) does occur) Tj ET Q q 0 0 0 rg BT 316.34 490.10 Td (, then for purposes of this ) Tj ET Q q 0 0 0 rg BT 420.49 490.10 Td (Agreement, the Executive shall be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 478.10 Td (treated as if the Date of ) Tj ET Q q 0 0 0 rg BT 145.38 478.10 Td (T) Tj ET Q q 0 0 0 rg BT 150.79 478.10 Td (ermination had occurred upon the date of the Change in Control \(but, for the avoidance of doubt, any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.10 Td (other severance benefits payable to the Executive shall of) Tj ET Q q 0 0 0 rg BT 279.22 466.10 Td (fset the amounts payable hereunder in a manner compliant with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 454.10 Td (Section 409A) Tj ET Q q 0 0 0 rg BT 103.67 454.10 Td ( of the Code\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 430.10 Td (\(b\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 121.50 430.10 Td (Death or Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.27 430.10 Td (. If the Executive) Tj ET Q q 0 0 0 rg BT 273.41 430.10 Td (s employment is terminated by reason of the Executive) Tj ET Q q 0 0 0 rg BT 496.12 430.10 Td (s death or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.10 Td (Disability) Tj ET Q q 0 0 0 rg BT 88.29 418.10 Td (, this ) Tj ET Q q 0 0 0 rg BT 109.69 418.10 Td (Agreement shall terminate without further obligations to the Executive) Tj ET Q q 0 0 0 rg BT 395.72 418.10 Td (s legal representatives or to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 406.10 Td (Executive, as the case may be, under this ) Tj ET Q q 0 0 0 rg BT 215.55 406.10 Td (Agreement, other than for payment of the ) Tj ET Q q 0 0 0 rg BT 383.83 406.10 Td (Accrued Obligations and the timely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.10 Td (payment or provision of the Other Benefits. In addition, the Executive) Tj ET Q q 0 0 0 rg BT 335.26 394.10 Td (s stock options, restricted stock awards and other equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.10 Td (based awards shall vest and be exercisable as provided in, and subject to the terms of, their applicable agreements and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.10 Td (applicable Company plan or policy) Tj ET Q q 0 0 0 rg BT 189.37 370.10 Td (. ) Tj ET Q q 0 0 0 rg BT 196.69 370.10 Td (The ) Tj ET Q q 0 0 0 rg BT 214.18 370.10 Td (Accrued Obligations shall be paid to the Executive, the Executive) Tj ET Q q 0 0 0 rg BT 480.21 370.10 Td (s estate or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 358.10 Td (beneficiary) Tj ET Q q 0 0 0 rg BT 93.82 358.10 Td (, as applicable, in a lump sum in cash within 30 days of the Date of ) Tj ET Q q 0 0 0 rg BT 364.69 358.10 Td (T) Tj ET Q q 0 0 0 rg BT 370.10 358.10 Td (ermination.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 334.10 Td (\(c\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 121.50 334.10 Td (Cause; Other than for Good Reason) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.77 334.10 Td (. If the Executive) Tj ET Q q 0 0 0 rg BT 340.90 334.10 Td (s employment shall be terminated by the Company for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 322.10 Td (Cause or by the Executive without Good Reason, this ) Tj ET Q q 0 0 0 rg BT 265.58 322.10 Td (Agreement shall terminate without further obligations to the Executive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.10 Td (other than the obligation to pay to the Executive \(i\) the Executive) Tj ET Q q 0 0 0 rg BT 314.14 310.10 Td (s annual base salary through the Date of ) Tj ET Q q 0 0 0 rg BT 476.68 310.10 Td (T) Tj ET Q q 0 0 0 rg BT 482.09 310.10 Td (ermination to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 298.10 Td (extent theretofore unpaid and \(ii\) the Other Benefits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 274.10 Td (5. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 85.50 274.10 Td (Limitation on Payments Under) Tj ET Q q 0 0 0 rg BT 217.82 274.10 Td ( Certain Cir) Tj ET Q q 0 0 0 rg BT 269.85 274.10 Td (cumstances) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.73 274.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 250.10 Td (\(a\) ) Tj ET Q q 0 0 0 rg BT 121.50 250.10 Td (Anything in this ) Tj ET Q q 0 0 0 rg BT 188.45 250.10 Td (Agreement to the contrary notwithstanding, in the event the ) Tj ET Q q 0 0 0 rg BT 428.95 250.10 Td (Accounting Firm \(as defined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.10 Td (below\) shall determine that receipt of all Payments \(as defined below\) would subject the Executive to the excise tax under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 226.10 Td (Section 4999 of the Code \(the Excise ) Tj ET Q q 0 0 0 rg BT 205.11 226.10 Td (T) Tj ET Q q 0 0 0 rg BT 210.52 226.10 Td (ax\), the ) Tj ET Q q 0 0 0 rg BT 246.89 226.10 Td (Accounting Firm shall determine whether to reduce any of the Payments paid ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 214.10 Td (or payable pursuant to this ) Tj ET Q q 0 0 0 rg BT 157.54 214.10 Td (Agreement \(the Agreement Payments\) so that the Parachute ) Tj ET Q q 0 0 0 rg BT 408.37 214.10 Td (V) Tj ET Q q 0 0 0 rg BT 414.49 214.10 Td (alue \(as defined below\) of all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.10 Td (Payments, in the aggregate, equals the Safe Harbor ) Tj ET Q q 0 0 0 rg BT 255.54 202.10 Td (Amount \(as defined below\). ) Tj ET Q q 0 0 0 rg BT 372.56 202.10 Td (The ) Tj ET Q q 0 0 0 rg BT 390.05 202.10 Td (Agreement Payments shall be so reduced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 190.10 Td (only if the ) Tj ET Q q 0 0 0 rg BT 92.55 190.10 Td (Accounting Firm determines that the Executive would have a greater Net ) Tj ET Q q 0 0 0 rg BT 387.18 190.10 Td (After) Tj ET Q q 0 0 0 rg BT 408.07 190.10 Td (-T) Tj ET Q q 0 0 0 rg BT 416.81 190.10 Td (ax Receipt \(as defined below\) of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.10 Td (aggregate Payments if the ) Tj ET Q q 0 0 0 rg BT 155.02 178.10 Td (Agreement Payments were so reduced. If the ) Tj ET Q q 0 0 0 rg BT 339.12 178.10 Td (Accounting Firm determines that the Executive would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.10 Td (not have a greater Net ) Tj ET Q q 0 0 0 rg BT 139.73 166.10 Td (After) Tj ET Q q 0 0 0 rg BT 160.63 166.10 Td (-T) Tj ET Q q 0 0 0 rg BT 169.37 166.10 Td (ax Receipt \(as defined below\) of aggregate Payments if the ) Tj ET Q q 0 0 0 rg BT 407.62 166.10 Td (Agreement Payments were so ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 154.10 Td (reduced, the Executive shall receive all ) Tj ET Q q 0 0 0 rg BT 208.04 154.10 Td (Agreement Payments to which the Executive is entitled hereunder) Tj ET Q q 0 0 0 rg BT 471.84 154.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 130.10 Td (\(b\) ) Tj ET Q q 0 0 0 rg BT 121.50 130.10 Td (If the ) Tj ET Q q 0 0 0 rg BT 144.83 130.10 Td (Accounting Firm determines that aggregate ) Tj ET Q q 0 0 0 rg BT 320.61 130.10 Td (Agreement Payments should be reduced so that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 118.10 Td (Parachute ) Tj ET Q q 0 0 0 rg BT 91.24 118.10 Td (V) Tj ET Q q 0 0 0 rg BT 97.36 118.10 Td (alue of all Payments, in the aggregate, equals the Safe Harbor ) Tj ET Q q 0 0 0 rg BT 345.88 118.10 Td (Amount, the Company shall promptly give the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 106.10 Td (Executive notice to that ef) Tj ET Q q 0 0 0 rg BT 154.28 106.10 Td (fect and a copy of the detailed calculation thereof. ) Tj ET Q q 0 0 0 rg BT 358.90 106.10 Td (All determinations made by the ) Tj ET Q q 0 0 0 rg BT 486.93 106.10 Td (Accounting Firm ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 94.10 Td (under this Section 5 shall be binding upon the Company and the Executive and shall be made as soon as reasonably practicable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 82.10 Td (and in no event later than 15 business days following the Date of ) Tj ET Q q 0 0 0 rg BT 311.20 82.10 Td (T) Tj ET Q q 0 0 0 rg BT 316.61 82.10 Td (ermination. For purposes of reducing the ) Tj ET Q q 0 0 0 rg BT 484.36 82.10 Td (Agreement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 70.10 Td (Payments so that the Parachute ) Tj ET Q q 0 0 0 rg BT 176.23 70.10 Td (V) Tj ET Q q 0 0 0 rg BT 182.35 70.10 Td (alue of all Payments, in the aggregate, equals the Safe Harbor ) Tj ET Q q 0 0 0 rg BT 430.87 70.10 Td (Amount, only amounts payable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 58.10 Td (under this ) Tj ET Q q 0 0 0 rg BT 91.17 58.10 Td (Agreement \(and no other Payments\) shall be reduced. ) Tj ET Q q 0 0 0 rg BT 310.91 58.10 Td (The reduction of the amounts payable hereunder) Tj ET Q q 0 0 0 rg BT 504.32 58.10 Td (, if applicable, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 46.10 Td (shall be made by reducing the payments and benefits under the following sections in the following order: \(i\) first, any Payments ) Tj ET Q endstream endobj 445 0 obj <> endobj 446 0 obj <> stream BT /F1 8.00 Tf ET q 0 0 0 rg BT 72.00 30.20 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 303.00 30.20 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (under Section 4\(a\)\(i\)\(A\); \(ii\)second, any other cash Payments that would be made upon a termination of the Executive) Tj ET Q q 0 0 0 rg BT 528.52 742.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (employment, beginning with payments that would be made last in time; \(iii\) third, all rights to payments, vesting or benefits in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (connection with any Equity ) Tj ET Q q 0 0 0 rg BT 161.70 718.10 Td (A) Tj ET Q q 0 0 0 rg BT 168.01 718.10 Td (wards that are performance-based vesting awards; \(iv\) fourth, all rights to payments, vesting or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (benefits in connection with any Equity ) Tj ET Q q 0 0 0 rg BT 206.14 706.10 Td (A) Tj ET Q q 0 0 0 rg BT 212.44 706.10 Td (wards that are time-based vesting awards; and \(v\) fifth, all rights to any other payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (or benefits shall be reduced, beginning with payments or benefits that would be received last in time. ) Tj ET Q q 0 0 0 rg BT 460.22 694.10 Td (All fees and expenses of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 63.67 682.10 Td (Accounting Firm shall be borne solely by the Company) Tj ET Q q 0 0 0 rg BT 285.20 682.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 658.10 Td (\(c\) ) Tj ET Q q 0 0 0 rg BT 121.50 658.10 Td (As a result of the uncertainty in the application of Section 4999 of the Code at the time of the initial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.10 Td (determination by the ) Tj ET Q q 0 0 0 rg BT 134.20 646.10 Td (Accounting Firm hereunder) Tj ET Q q 0 0 0 rg BT 244.88 646.10 Td (, it is possible that amounts will have been paid or distributed by the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.10 Td (to or for the benefit of the Executive pursuant to this ) Tj ET Q q 0 0 0 rg BT 261.39 634.10 Td (Agreement which should not have been so paid or distributed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.10 Td (\(Overpayment\) or that additional amounts which will have not been paid or distributed by the Company to or for the benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td (of the Executive pursuant to this ) Tj ET Q q 0 0 0 rg BT 181.14 610.10 Td (Agreement could have been so paid or distributed \(Underpayment\), in each case, consistent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.10 Td (with the calculation of the Safe Harbor ) Tj ET Q q 0 0 0 rg BT 206.95 598.10 Td (Amount hereunder) Tj ET Q q 0 0 0 rg BT 281.65 598.10 Td (. In the event that the ) Tj ET Q q 0 0 0 rg BT 370.51 598.10 Td (Accounting Firm, based upon the assertion of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.10 Td (deficiency by the Internal Revenue Service against either the Company or the Executive which the ) Tj ET Q q 0 0 0 rg BT 445.75 586.10 Td (Accounting Firm believes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.10 Td (has a high probability of success, determines that an Overpayment has been made, the Executive shall pay promptly \(and in no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.10 Td (event later than 60 days following the date on which the Overpayment is determined\) pay any such Overpayment to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.10 Td (Company together with interest at the applicable federal rate provided for in Section 7872\(f\)\(2\) of the Code; ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 485.1884765625 548.7669921875 m 520.7353515625 548.7669921875 l s q 0 0 0 rg BT 485.19 550.10 Td (provided) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.74 550.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 525.7353515625 548.7669921875 m 559.9638671875 548.7669921875 l s q 0 0 0 rg BT 525.74 550.10 Td (however) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.76 550.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.10 Td (that no amount shall be payable by the Executive to the Company if and to the extent such payment would not either reduce the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.10 Td (amount on which the Executive is subject to tax under Section1 and Section 4999 of the Code or generate a refund of such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.10 Td (taxes. In the event that the ) Tj ET Q q 0 0 0 rg BT 158.91 514.10 Td (Accounting Firm, based upon controlling precedent or substantial authority) Tj ET Q q 0 0 0 rg BT 459.58 514.10 Td (, determines that an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.10 Td (Underpayment has occurred, any such Underpayment shall be paid promptly \(and in no event later than 60 days following the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.10 Td (date on which the Underpayment is determined\) by the Company to or for the benefit of the Executive together with interest at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 478.10 Td (the applicable federal rate provided for in Section 7872\(f\)\(2\) of the Code.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 454.10 Td (\(d\) ) Tj ET Q q 0 0 0 rg BT 121.50 454.10 Td (T) Tj ET Q q 0 0 0 rg BT 126.91 454.10 Td (o the extent requested by the Executive, the Company shall cooperate with the Executive in good faith in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 442.10 Td (valuing, and the ) Tj ET Q q 0 0 0 rg BT 115.60 442.10 Td (Accounting Firm shall take into account the value of, services provided or to be provided by the Executive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.10 Td (\(including without limitation, the Executive) Tj ET Q q 0 0 0 rg BT 227.52 430.10 Td (s agreeing to refrain from performing services pursuant to a covenant not to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.10 Td (compete or similar covenant, including that set forth in Section 8 of this ) Tj ET Q q 0 0 0 rg BT 338.88 418.10 Td (Agreement\) before, on or after the date of a change in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 406.10 Td (ownership or control of the Company \(within the meaning of Q&A-2\(b\) of the final regulations under Section 280G of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.10 Td (Code\), such that payments in respect of such services may be considered reasonable compensation within the meaning of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.10 Td (Q&A-9 and Q&A-40 to Q&A-44 of the final regulations under Section 280G of the Code and/or exempt from the definition of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.10 Td (the term parachute payment within the meaning of Q&A-2\(a\) of the final regulations under Section 280G of the Code in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 358.10 Td (accordance with Q&A-5\(a\) of the final regulations under Section 280G of the Code.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 334.10 Td (\(e\) ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 121.5 332.7669921875 m 166.4951171875 332.7669921875 l s q 0 0 0 rg BT 121.50 334.10 Td (Definitions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.50 334.10 Td (. ) Tj ET Q q 0 0 0 rg BT 173.81 334.10 Td (The following terms shall have the following meanings for purposes of this Section 5:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 322.10 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 157.50 322.10 Td () Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 161.9384765625 320.7669921875 m 230.5419921875 320.7669921875 l s q 0 0 0 rg BT 161.94 322.10 Td (Accounting Firm) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.54 322.10 Td ( shall mean a nationally recognized certified public accounting firm that is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.10 Td (selected by the Company for purposes of making the applicable determinations hereunder and is reasonably acceptable to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 298.10 Td (Executive, which firm shall not, without the Executive) Tj ET Q q 0 0 0 rg BT 270.83 298.10 Td (s consent, be a firm serving as accountant or auditor for the individual, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 286.10 Td (entity or group ef) Tj ET Q q 0 0 0 rg BT 119.02 286.10 Td (fecting the Change in Control.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 262.10 Td (\(ii\) ) Tj ET Q q 0 0 0 rg BT 157.50 262.10 Td () Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 161.9384765625 260.7669921875 m 250.4443359375 260.7669921875 l s q 0 0 0 rg BT 161.94 262.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 178.33 262.10 Td (After) Tj ET Q q 0 0 0 rg BT 199.22 262.10 Td (-T) Tj ET Q q 0 0 0 rg BT 207.96 262.10 Td (ax Receipt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.44 262.10 Td ( shall mean the present value \(as determined in accordance with Sections ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 250.10 Td (280G\(b\)\(2\)\(A\)\(ii\) and 280G\(d\)\(4\) of the Code\) of a Payment net of all taxes imposed on the Executive with respect thereto ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.10 Td (under Sections 1 and 4999 of the Code and under applicable state and local laws, determined by applying the highest mar) Tj ET Q q 0 0 0 rg BT 535.02 238.10 Td (ginal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 226.10 Td (rate under Section 1 of the Code and under state and local laws which applied to the Executive) Tj ET Q q 0 0 0 rg BT 430.76 226.10 Td (s taxable income for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 214.10 Td (immediately preceding taxable year) Tj ET Q q 0 0 0 rg BT 192.09 214.10 Td (, or such other rate\(s\) as the ) Tj ET Q q 0 0 0 rg BT 304.83 214.10 Td (Accounting Firm determined to be likely to apply to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.10 Td (Executive in the relevant tax year\(s\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 178.10 Td (\(iii\) ) Tj ET Q q 0 0 0 rg BT 157.50 178.10 Td () Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 161.9384765625 176.76699218750002 m 226.4501953125 176.76699218750002 l s q 0 0 0 rg BT 161.94 178.10 Td (Parachute ) Tj ET Q q 0 0 0 rg BT 203.68 178.10 Td (V) Tj ET Q q 0 0 0 rg BT 209.79 178.10 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.45 178.10 Td ( of a Payment shall mean the present value as of the date of the change of control ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.10 Td (for purposes of Section 280G of the Code of the portion of such Payment that constitutes a parachute payment under Section ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 154.10 Td (280G\(b\)\(2\) of the Code, as determined by the ) Tj ET Q q 0 0 0 rg BT 234.17 154.10 Td (Accounting Firm for purposes of determining whether and to what extent the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 142.10 Td (Excise ) Tj ET Q q 0 0 0 rg BT 78.47 142.10 Td (T) Tj ET Q q 0 0 0 rg BT 83.88 142.10 Td (ax will apply to such Payment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 118.10 Td (\(iv\) ) Tj ET Q q 0 0 0 rg BT 157.50 118.10 Td () Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 161.9384765625 116.76699218750002 m 196.93359375 116.76699218750002 l s q 0 0 0 rg BT 161.94 118.10 Td (Payment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.93 118.10 Td ( shall mean any payment or distribution in the nature of compensation \(within the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 106.10 Td (meaning of Section 280G\(b\)\(2\) of the Code\) to or for the benefit of the Executive, whether paid or payable pursuant to this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 94.10 Td (Agreement or otherwise.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 70.10 Td (\(v\) ) Tj ET Q q 0 0 0 rg BT 157.50 70.10 Td () Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 161.9384765625 68.76699218750002 m 245.25390625 68.76699218750002 l s q 0 0 0 rg BT 161.94 70.10 Td (Safe Harbor ) Tj ET Q q 0 0 0 rg BT 212.48 70.10 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.25 70.10 Td ( shall mean 2.99 times the Executive) Tj ET Q q 0 0 0 rg BT 399.38 70.10 Td (s base amount, within the meaning of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 58.10 Td (Section 280G\(b\)\(3\) of the Code.) Tj ET Q endstream endobj 447 0 obj <> endobj 448 0 obj <> stream BT /F1 8.00 Tf ET q 0 0 0 rg BT 72.00 30.20 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 303.00 30.20 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (6. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 85.50 742.10 Td (Non-exclusivity of Rights) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.72 742.10 Td (. Except as specifically provided, nothing in this ) Tj ET Q q 0 0 0 rg BT 390.18 742.10 Td (Agreement shall prevent or limit the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (Executive) Tj ET Q q 0 0 0 rg BT 92.26 730.10 Td (s continuing or future participation in any plan, program, policy or practice provided by the Company or any of its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (af) Tj ET Q q 0 0 0 rg BT 57.09 718.10 Td (filiated companies and for which the Executive may qualify) Tj ET Q q 0 0 0 rg BT 295.80 718.10 Td (, nor) Tj ET Q q 0 0 0 rg BT 313.73 718.10 Td (, subject to Section 10\(f\), shall anything herein limit or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (otherwise af) Tj ET Q q 0 0 0 rg BT 98.46 706.10 Td (fect such rights as the Executive may have under any contract or agreement with the Company or any of its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (af) Tj ET Q q 0 0 0 rg BT 57.09 694.10 Td (filiated companies. ) Tj ET Q q 0 0 0 rg BT 137.62 694.10 Td (Amounts which are vested benefits or which the Executive is otherwise entitled to receive under any plan, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.10 Td (policy) Tj ET Q q 0 0 0 rg BT 73.85 682.10 Td (, practice or program of or any contract or agreement with the Company or any of its af) Tj ET Q q 0 0 0 rg BT 422.98 682.10 Td (filiated companies at or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td (subsequent to the Date of ) Tj ET Q q 0 0 0 rg BT 153.46 670.10 Td (T) Tj ET Q q 0 0 0 rg BT 158.87 670.10 Td (ermination shall be payable in accordance with such plan, policy) Tj ET Q q 0 0 0 rg BT 417.02 670.10 Td (, practice or program or contract or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.10 Td (agreement except as explicitly modified by this ) Tj ET Q q 0 0 0 rg BT 240.83 658.10 Td (Agreement; provided that the Executive shall not be eligible for severance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.10 Td (benefits under any other program or policy of the Company) Tj ET Q q 0 0 0 rg BT 287.40 646.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.10 Td (7. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 85.50 622.10 Td (Full Settlement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.76 622.10 Td (. ) Tj ET Q q 0 0 0 rg BT 158.08 622.10 Td (The Company) Tj ET Q q 0 0 0 rg BT 217.79 622.10 Td (s obligation to make the payments provided for in this ) Tj ET Q q 0 0 0 rg BT 436.10 622.10 Td (Agreement and otherwise to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td (perform its obligations hereunder shall not be af) Tj ET Q q 0 0 0 rg BT 241.77 610.10 Td (fected by any set-of) Tj ET Q q 0 0 0 rg BT 320.72 610.10 Td (f, counterclaim, recoupment \(other than pursuant to any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.10 Td (clawback or recoupment policy approved by the Human Capital Committee of the Board and applicable to executive of) Tj ET Q q 0 0 0 rg BT 527.21 598.10 Td (ficers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.10 Td (generally\), defense or other claim, right or action which the Company may have against the Executive or others. In no event ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.10 Td (shall the Executive be obligated to seek other employment or take any other action by way of mitigation of the amounts payable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.10 Td (to the Executive under any of the provisions of this ) Tj ET Q q 0 0 0 rg BT 256.13 562.10 Td (Agreement, and such amounts shall not be reduced whether or not the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.10 Td (Executive obtains other employment. ) Tj ET Q q 0 0 0 rg BT 203.72 550.10 Td (The Company agrees to pay as incurred \(within 10 days following the Company) Tj ET Q q 0 0 0 rg BT 527.54 550.10 Td (s receipt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.10 Td (of an invoice from the Executive\), to the full extent permitted by law) Tj ET Q q 0 0 0 rg BT 324.59 538.10 Td (, all legal fees and expenses which the Executive may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.10 Td (reasonably incur as a result of any claim \(regardless of the outcome thereof\) pursued or defended against in good faith by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.10 Td (Executive that is initiated by the Executive or a third party on or before the seventh \(7th\) anniversary of the Change in Control ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.10 Td (regarding the validity or enforceability of, or liability under) Tj ET Q q 0 0 0 rg BT 287.08 502.10 Td (, any provision of this ) Tj ET Q q 0 0 0 rg BT 376.52 502.10 Td (Agreement or any guarantee of performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.10 Td (thereof \(including as a result of any contest by the Executive about the amount of any payment pursuant to this ) Tj ET Q q 0 0 0 rg BT 494.94 490.10 Td (Agreement\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 478.10 Td (from and after a Change in Control, plus in each case interest on any delayed payment at the applicable Federal rate provided ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.10 Td (for in Section 7872\(f\)\(2\)\(A\) of the Code. In order to comply with Section 409A) Tj ET Q q 0 0 0 rg BT 370.27 466.10 Td ( of the Code, in no event shall the payments by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 454.10 Td (the Company under this Section 7 be made later than the end of the calendar year next following the calendar year in which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 442.10 Td (such fees and expenses were incurred; provided, that the Executive shall have submitted an invoice for such fees and expenses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.10 Td (at least 10 days before the end of the calendar year next following the calendar year in which such fees and expenses were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.10 Td (incurred. ) Tj ET Q q 0 0 0 rg BT 90.13 418.10 Td (The amount of such legal fees and expenses that the Company is obligated to pay in any given calendar year shall not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 406.10 Td (af) Tj ET Q q 0 0 0 rg BT 57.09 406.10 Td (fect the legal fees and expenses that the Company is obligated to pay in any other calendar year) Tj ET Q q 0 0 0 rg BT 438.49 406.10 Td (, and the Executive) Tj ET Q q 0 0 0 rg BT 517.90 406.10 Td (s right to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.10 Td (have the Company pay such legal fees and expenses may not be liquidated or exchanged for any other benefit.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.10 Td (8. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 85.50 370.10 Td (Confidential Information, Non-Competition, Non-Solicitation, and Non-Disparagement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.18 370.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 346.10 Td (\(a\) ) Tj ET Q q 0 0 0 rg BT 121.50 346.10 Td (The Executive hereby acknowledges that during the course of employment or engagement with the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 334.10 Td (the Executive has received and will continue to have access and exposure to secret and proprietary information, including but ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 322.10 Td (not limited to information about the Company) Tj ET Q q 0 0 0 rg BT 236.70 322.10 Td (s or any of its af) Tj ET Q q 0 0 0 rg BT 301.22 322.10 Td (filiate) Tj ET Q q 0 0 0 rg BT 327.32 322.10 Td (s business, business practices and processes, strategic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.10 Td (plans, financial operations, customers, and prospective customers, the value of which is derived in part from the fact that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 298.10 Td (information is not generally known to the public \(Confidential Information\). ) Tj ET Q q 0 0 0 rg BT 368.68 298.10 Td (The Executive acknowledges that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 286.10 Td (Confidential Information is the exclusive property of the Company) Tj ET Q q 0 0 0 rg BT 316.57 286.10 Td (. ) Tj ET Q q 0 0 0 rg BT 323.88 286.10 Td (The Executive further acknowledges that the Company and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 274.10 Td (its af) Tj ET Q q 0 0 0 rg BT 69.04 274.10 Td (filiates have spent significant time, ef) Tj ET Q q 0 0 0 rg BT 218.81 274.10 Td (fort and resources protecting the Confidential Information and that the Confidential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 262.10 Td (Information has contributed to customer goodwill and is of significant competitive value to the Company and its af) Tj ET Q q 0 0 0 rg BT 509.50 262.10 Td (filiates in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 250.10 Td (businesses in which they compete, and that the use or disclosure, even if inadvertent, of the Confidential Information to or for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.10 Td (the benefit of a competitor would cause significant damage to the legitimate business interests of the Company) Tj ET Q q 0 0 0 rg BT 492.06 238.10 Td (. ) Tj ET Q q 0 0 0 rg BT 499.01 238.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 548.35 238.10 Td (, in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 226.10 Td (order to protect the legitimate business and customer goodwill interests of the Company and its af) Tj ET Q q 0 0 0 rg BT 440.62 226.10 Td (filiates, to protect the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 214.10 Td (Confidential Information against inappropriate use or disclosure, and in consideration of the severance benefits described in this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.10 Td (Agreement, the Executive hereby covenants and agrees to comply with the confidentiality) Tj ET Q q 0 0 0 rg BT 408.72 202.10 Td (, non-competition, non-solicitation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 190.10 Td (and non-disparagement provisions set forth in this Section8\(a\) \(collectively) Tj ET Q q 0 0 0 rg BT 352.94 190.10 Td (, the Restrictions\). Except to the extent expressly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.10 Td (provided otherwise below) Tj ET Q q 0 0 0 rg BT 152.71 178.10 Td (, the Executive agrees to comply with the Restrictions for the period commencing on the Ef) Tj ET Q q 0 0 0 rg BT 518.54 178.10 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.10 Td (Date and extending through the date that is 12 months following the Date of ) Tj ET Q q 0 0 0 rg BT 356.47 166.10 Td (T) Tj ET Q q 0 0 0 rg BT 361.88 166.10 Td (ermination \(such period, the Restricted Period\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 142.10 Td (\(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 142.10 Td (The Executive will use Confidential Information gained during employment or engagement with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 130.10 Td (Company or any of its af) Tj ET Q q 0 0 0 rg BT 149.02 130.10 Td (filiates for the benefit of the Company only and, without the prior written consent of the Company) Tj ET Q q 0 0 0 rg BT 541.89 130.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 118.10 Td (shall not, at any time during the Restricted Period or thereafter) Tj ET Q q 0 0 0 rg BT 299.30 118.10 Td (, directly or indirectly) Tj ET Q q 0 0 0 rg BT 385.84 118.10 Td (, divulge, reveal or communicate any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 106.10 Td (Confidential Information to any person or entity whatsoever) Tj ET Q q 0 0 0 rg BT 289.87 106.10 Td (, or use any Confidential Information for the Executive) Tj ET Q q 0 0 0 rg BT 512.86 106.10 Td (s own ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 94.10 Td (benefit or for the benefit of others, other than as required by law or legal process. For purposes of the foregoing, Confidential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 82.10 Td (Information shall not include information that becomes generally available to the public, other than as a result of disclosure by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 70.10 Td (the Executive.) Tj ET Q endstream endobj 449 0 obj <> endobj 450 0 obj <> stream BT /F1 8.00 Tf ET q 0 0 0 rg BT 72.00 30.20 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 303.00 30.20 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 742.10 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 742.10 Td (The Executive shall not, at any time during the Restricted Period, without the prior written consent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (of the Company) Tj ET Q q 0 0 0 rg BT 113.28 730.10 Td (, directly or indirectly) Tj ET Q q 0 0 0 rg BT 199.83 730.10 Td (, own, manage, operate, join, control, or participate in the ownership, management, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (operation or control of, or be employed by) Tj ET Q q 0 0 0 rg BT 218.80 718.10 Td (, consult with, render services for) Tj ET Q q 0 0 0 rg BT 351.97 718.10 Td (, or be connected in any other manner with, any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (Competing Business, whether for compensation or otherwise. For the purposes of this ) Tj ET Q q 0 0 0 rg BT 397.51 706.10 Td (Agreement, a Competing Business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (shall be any business in the United States which is engaged in the sale or provision of employee benefits or other products or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.10 Td (services of the type of) Tj ET Q q 0 0 0 rg BT 137.62 682.10 Td (fered by the Company or its af) Tj ET Q q 0 0 0 rg BT 259.63 682.10 Td (filiates \(including without limitation, life, critical illness, income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td (protection, disability) Tj ET Q q 0 0 0 rg BT 131.61 670.10 Td (, accident, dental, vision, or hospital indemnity insurance\), unless the Executive) Tj ET Q q 0 0 0 rg BT 453.47 670.10 Td (s primary duties and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.10 Td (responsibilities with respect to such business are not related to the management, operation or provision of such products or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.10 Td (services. Notwithstanding the requirements of this paragraph, the Executive shall not be prohibited from owning less than 1% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.10 Td (of any publicly traded corporation, whether or not such corporation is deemed to be a Competing Business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 610.10 Td (\(iii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 610.10 Td (The Executive shall not, at any time during the Restricted Period, without the prior written consent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.10 Td (of the Company) Tj ET Q q 0 0 0 rg BT 113.28 598.10 Td (, directly or indirectly) Tj ET Q q 0 0 0 rg BT 199.83 598.10 Td (, either for the Executive) Tj ET Q q 0 0 0 rg BT 301.73 598.10 Td (s own benefit or purpose or for the benefit or purpose of any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.10 Td (other person or entity) Tj ET Q q 0 0 0 rg BT 134.66 586.10 Td (, solicit, assist, or induce any Covered Employee to terminate his or her relationship with the Company or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.10 Td (its af) Tj ET Q q 0 0 0 rg BT 69.04 574.10 Td (filiates, or employ) Tj ET Q q 0 0 0 rg BT 141.42 574.10 Td (, or of) Tj ET Q q 0 0 0 rg BT 165.40 574.10 Td (fer to employ) Tj ET Q q 0 0 0 rg BT 218.63 574.10 Td (, call on, or actively interfere with the Company) Tj ET Q q 0 0 0 rg BT 413.56 574.10 Td (s or any such af) Tj ET Q q 0 0 0 rg BT 476.14 574.10 Td (filiate) Tj ET Q q 0 0 0 rg BT 502.24 574.10 Td (s relationship ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.10 Td (with any Covered Employee, ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 168.6357421875 560.7669921875 m 204.1826171875 560.7669921875 l s q 0 0 0 rg BT 168.64 562.10 Td (provided) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.18 562.10 Td ( that this paragraph shall not prohibit general solicitations in the form of classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.10 Td (advertisements or the like in newspapers, on the internet, or in other media. For purposes of this ) Tj ET Q q 0 0 0 rg BT 437.47 550.10 Td (Agreement, Covered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.10 Td (Employee means an individual who is an employee, representative, or of) Tj ET Q q 0 0 0 rg BT 344.78 538.10 Td (ficer of the Company or any of its af) Tj ET Q q 0 0 0 rg BT 490.66 538.10 Td (filiates at the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.10 Td (time of the solicitation, assistance, or inducement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 502.10 Td (\(iv\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 502.10 Td (The Executive shall not, at any time during the Restricted Period, without the prior written consent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.10 Td (of the Company) Tj ET Q q 0 0 0 rg BT 113.28 490.10 Td (, directly or indirectly) Tj ET Q q 0 0 0 rg BT 199.83 490.10 Td (, either for the Executive) Tj ET Q q 0 0 0 rg BT 301.73 490.10 Td (s own benefit or purpose or for the benefit or purpose of any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 478.10 Td (other person or entity) Tj ET Q q 0 0 0 rg BT 134.66 478.10 Td (, solicit or accept any business from any customers of the Company or any of its af) Tj ET Q q 0 0 0 rg BT 465.79 478.10 Td (filiates, or any broker ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.10 Td (with regard to customers of the Company or any such af) Tj ET Q q 0 0 0 rg BT 274.26 466.10 Td (filiate, whom the Executive serviced, solicited or had contact with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 454.10 Td (while employed or engaged by the Company or any such af) Tj ET Q q 0 0 0 rg BT 287.59 454.10 Td (filiate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 430.10 Td (\(v\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 430.10 Td (The Executive shall not, at any time during the Restricted Period, directly or indirectly) Tj ET Q q 0 0 0 rg BT 503.14 430.10 Td (, make any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.10 Td (statement, oral or written, public or in private, which is reasonably foreseeable as harming the Company) Tj ET Q q 0 0 0 rg BT 469.37 418.10 Td (s or its af) Tj ET Q q 0 0 0 rg BT 506.13 418.10 Td (filiates) Tj ET Q q 0 0 0 rg BT 535.93 418.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 406.10 Td (business interests or impacts negatively on the Company) Tj ET Q q 0 0 0 rg BT 279.18 406.10 Td (s or any such af) Tj ET Q q 0 0 0 rg BT 341.76 406.10 Td (filiate) Tj ET Q q 0 0 0 rg BT 367.86 406.10 Td (s business reputation or reputation in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.10 Td (community) Tj ET Q q 0 0 0 rg BT 94.40 394.10 Td (. Nothing in this paragraph will be construed to prevent the Executive from communicating with or responding to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.10 Td (request for information from a federal, state, administrative agency or court.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 358.10 Td (\(b\) ) Tj ET Q q 0 0 0 rg BT 121.50 358.10 Td (Any termination of the Executive) Tj ET Q q 0 0 0 rg BT 258.13 358.10 Td (s employment or the termination or expiration of this ) Tj ET Q q 0 0 0 rg BT 472.25 358.10 Td (Agreement shall have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 346.10 Td (no ef) Tj ET Q q 0 0 0 rg BT 69.59 346.10 Td (fect on the continuing operation of this Section 8.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 322.10 Td (\(c\) ) Tj ET Q q 0 0 0 rg BT 121.50 322.10 Td (The terms and provisions of this Section8 are intended to be separate and divisible provisions and if, for any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.10 Td (reason, any one or more of them is held to be invalid or unenforceable, neither the validity nor the enforceability of any other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 298.10 Td (provision of this ) Tj ET Q q 0 0 0 rg BT 117.00 298.10 Td (Agreement shall thereby be af) Tj ET Q q 0 0 0 rg BT 237.33 298.10 Td (fected. ) Tj ET Q q 0 0 0 rg BT 269.07 298.10 Td (The parties hereto acknowledge that the potential restrictions on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 286.10 Td (Executive) Tj ET Q q 0 0 0 rg BT 92.26 286.10 Td (s future employment imposed by this Section8 are reasonable in both duration and geographic scope and in all other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 274.10 Td (respects. If for any reason any court of competent jurisdiction shall find any provisions of this Section8 unreasonable in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 262.10 Td (duration or geographic scope or otherwise, the Executive and the Company agree that the restrictions and prohibitions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 250.10 Td (contained herein shall be ef) Tj ET Q q 0 0 0 rg BT 159.27 250.10 Td (fective to the fullest extent allowed under applicable law in such jurisdiction.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 226.10 Td (\(d\) ) Tj ET Q q 0 0 0 rg BT 121.50 226.10 Td (The Executive acknowledges and agrees that any breach or threatened breach of the Restrictions will result in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 214.10 Td (substantial, continuing and irreparable injury to the Company and/or its af) Tj ET Q q 0 0 0 rg BT 345.64 214.10 Td (filiates. ) Tj ET Q q 0 0 0 rg BT 380.17 214.10 Td (Therefore, in addition to any other remedy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.10 Td (that may be available to the Company and/or its af) Tj ET Q q 0 0 0 rg BT 251.20 202.10 Td (filiates, the Company and/or its af) Tj ET Q q 0 0 0 rg BT 387.10 202.10 Td (filiates shall be entitled to equitable and/or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 190.10 Td (injunctive relief to prevent any breach or threatened breach of such provisions, and to specific performance of each of the terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.10 Td (thereof in addition to any other legal or equitable remedies that the Company or any af) Tj ET Q q 0 0 0 rg BT 395.59 178.10 Td (filiate may have. ) Tj ET Q q 0 0 0 rg BT 467.33 178.10 Td (The Executive further ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.10 Td (agrees that the Executive shall not, in any equity proceeding relating to the enforcement of the Restrictions, raise the defense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 154.10 Td (that the Company has an adequate remedy at law) Tj ET Q q 0 0 0 rg BT 244.89 154.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 130.10 Td (9. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 85.50 130.10 Td (Successors) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.05 130.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 106.10 Td (\(a\) ) Tj ET Q q 0 0 0 rg BT 121.50 106.10 Td (This ) Tj ET Q q 0 0 0 rg BT 141.23 106.10 Td (Agreement is personal to the Executive and without the prior written consent of the Company shall not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 94.10 Td (be assignable by the Executive otherwise than by will or the laws of descent and distribution. ) Tj ET Q q 0 0 0 rg BT 427.00 94.10 Td (This ) Tj ET Q q 0 0 0 rg BT 446.73 94.10 Td (Agreement shall inure to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 82.10 Td (benefit of and be enforceable by the Executive) Tj ET Q q 0 0 0 rg BT 238.58 82.10 Td (s legal representatives.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 58.10 Td (\(b\) ) Tj ET Q q 0 0 0 rg BT 121.50 58.10 Td (This ) Tj ET Q q 0 0 0 rg BT 141.23 58.10 Td (Agreement shall inure to the benefit of and be binding upon the Company and its successors and assigns.) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td (10. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 85.50 670.10 Td (Miscellaneous) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.50 670.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 646.10 Td (\(a\) ) Tj ET Q q 0 0 0 rg BT 121.50 646.10 Td (This ) Tj ET Q q 0 0 0 rg BT 141.23 646.10 Td (Agreement shall be governed by and construed in accordance with the laws of the State of Delaware, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.10 Td (without reference to principles of conflict of laws. ) Tj ET Q q 0 0 0 rg BT 254.80 634.10 Td (The captions of this ) Tj ET Q q 0 0 0 rg BT 335.90 634.10 Td (Agreement are not part of the provisions hereof and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.10 Td (shall have no force or ef) Tj ET Q q 0 0 0 rg BT 146.22 622.10 Td (fect. ) Tj ET Q q 0 0 0 rg BT 168.52 622.10 Td (This ) Tj ET Q q 0 0 0 rg BT 188.25 622.10 Td (Agreement may not be amended or modified otherwise than by a written agreement executed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td (by the parties hereto or their respective successors and legal representatives.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 586.10 Td (\(b\) ) Tj ET Q q 0 0 0 rg BT 121.50 586.10 Td (All notices and other communications hereunder shall be in writing and shall be given by hand delivery to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.10 Td (other party or by registered or certified mail, return receipt requested, postage prepaid, addressed as follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 550.10 Td (if to the Executive:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 526.10 Td (at the Executive) Tj ET Q q 0 0 0 rg BT 170.69 526.10 Td (s most recent address on file at the Company; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 502.10 Td (if to the Company:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 478.10 Td (Unum Group ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 466.10 Td (1 Fountain Square ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 454.10 Td (Chattanooga, ) Tj ET Q q 0 0 0 rg BT 158.86 454.10 Td (T) Tj ET Q q 0 0 0 rg BT 164.27 454.10 Td (ennessee 37402 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 442.10 Td (Attention: General Counsel,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.10 Td (or to such other address as either party shall have furnished to the other in writing in accordance herewith. Notice and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 406.10 Td (communications shall be ef) Tj ET Q q 0 0 0 rg BT 159.01 406.10 Td (fective when actually received by the addressee.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 382.10 Td (\(c\) ) Tj ET Q q 0 0 0 rg BT 121.50 382.10 Td (The invalidity or unenforceability of any provision of this ) Tj ET Q q 0 0 0 rg BT 354.51 382.10 Td (Agreement shall not af) Tj ET Q q 0 0 0 rg BT 445.68 382.10 Td (fect the validity or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.10 Td (enforceability of any other provision of this ) Tj ET Q q 0 0 0 rg BT 225.85 370.10 Td (Agreement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 346.10 Td (\(d\) ) Tj ET Q q 0 0 0 rg BT 121.50 346.10 Td (The Company may withhold from any amounts payable under this ) Tj ET Q q 0 0 0 rg BT 389.23 346.10 Td (Agreement such federal, state, local or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 334.10 Td (foreign taxes as shall be required to be withheld pursuant to any applicable law or regulation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 310.10 Td (\(e\) ) Tj ET Q q 0 0 0 rg BT 121.50 310.10 Td (The Executive) Tj ET Q q 0 0 0 rg BT 182.31 310.10 Td (s or the Company) Tj ET Q q 0 0 0 rg BT 255.91 310.10 Td (s failure to insist upon strict compliance with any provision of this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 298.10 Td (Agreement or the failure to assert any right the Executive or the Company may have hereunder) Tj ET Q q 0 0 0 rg BT 429.24 298.10 Td (, including, without limitation, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 286.10 Td (the right of the Executive to terminate employment for Good Reason pursuant to Section 3\(c\)\(i\)-\(vii\) of this ) Tj ET Q q 0 0 0 rg BT 483.00 286.10 Td (Agreement, shall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 274.10 Td (not be deemed to be a waiver of such provision or right or any other provision or right of this ) Tj ET Q q 0 0 0 rg BT 423.87 274.10 Td (Agreement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 250.10 Td (\(f\) ) Tj ET Q q 0 0 0 rg BT 121.50 250.10 Td (From and after the Ef) Tj ET Q q 0 0 0 rg BT 207.40 250.10 Td (fective Date, this ) Tj ET Q q 0 0 0 rg BT 277.37 250.10 Td (Agreement shall supersede any other employment, severance or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.10 Td (change of control agreement between the parties with respect to the subject matter hereof.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 214.10 Td (1) Tj ET Q q 0 0 0 rg BT 54.13 214.10 Td (1. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 85.50 214.10 Td (General Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.64 214.10 Td (. ) Tj ET Q q 0 0 0 rg BT 161.59 214.10 Td (All payments under this ) Tj ET Q q 0 0 0 rg BT 259.36 214.10 Td (Agreement to be made in connection with the Executive) Tj ET Q q 0 0 0 rg BT 487.06 214.10 Td (s termination of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.10 Td (employment will be conditioned on the Executive signing a general form of release in the form attached hereto as Exhibit ) Tj ET Q q 0 0 0 rg BT 537.68 202.10 Td (A, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 190.10 Td (and no payments under this ) Tj ET Q q 0 0 0 rg BT 161.43 190.10 Td (Agreement shall be made unless the Executive executes and does not revoke, within 28 days \(or 52 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.10 Td (days, as applicable law may require\) after the Date of ) Tj ET Q q 0 0 0 rg BT 265.61 178.10 Td (T) Tj ET Q q 0 0 0 rg BT 271.02 178.10 Td (ermination, such general form of release.) 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If the Executive is a specified employee within the meaning of Section 409A) Tj ET Q q 0 0 0 rg BT 464.84 742.10 Td ( of the Code at the time ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (of the Executive) Tj ET Q q 0 0 0 rg BT 117.81 730.10 Td (s separation from service within the meaning of Section 409A) Tj ET Q q 0 0 0 rg BT 374.12 730.10 Td ( of the Code, then any payment otherwise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (required to be made to the Executive under this ) Tj ET Q q 0 0 0 rg BT 240.83 718.10 Td (Agreement on account of such separation from service, to the extent such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (payment \(after taking in to account all exclusions applicable to such payment under Section 409A) Tj ET Q q 0 0 0 rg BT 440.50 706.10 Td ( of the Code\) is treated as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (deferred compensation subject to Section 409A) Tj ET Q q 0 0 0 rg BT 238.62 694.10 Td ( of the Code, shall not be made until the first business day \(or as soon as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.10 Td (reasonably practicable thereafter\) after \(i\) the expiration of six months from the date of the Executive) Tj ET Q q 0 0 0 rg BT 457.38 682.10 Td (s separation from service, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td (or \(ii\) if earlier) Tj ET Q q 0 0 0 rg BT 108.79 670.10 Td (, the date of the Executive) Tj ET Q q 0 0 0 rg BT 215.96 670.10 Td (s death \(the Delayed Payment Date\). On the Delayed Payment Date, there shall be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.10 Td (paid to the Executive or) Tj ET Q q 0 0 0 rg BT 144.62 658.10 Td (, if the Executive has died, to the Executive) Tj ET Q q 0 0 0 rg BT 321.23 658.10 Td (s estate, in a single cash lump sum, an amount equal to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.10 Td (aggregate amount of the payments delayed pursuant to the preceding sentence) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 256.15 613.90 Td ([Signatur) Tj ET Q q 0 0 0 rg BT 294.12 613.90 Td (e page follows]) Tj ET Q endstream endobj 455 0 obj <> endobj 456 0 obj <> stream BT /F1 8.00 Tf ET q 0 0 0 rg BT 72.00 30.20 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 300.22 30.20 Td (1) Tj ET Q q 0 0 0 rg BT 305.78 30.20 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 742.10 Td (IN ) Tj ET Q q 0 0 0 rg BT 98.37 742.10 Td (WITNESS ) Tj ET Q q 0 0 0 rg BT 144.02 742.10 Td (WHEREOF) Tj ET Q q 0 0 0 rg BT 191.55 742.10 Td (, the Executive has hereunto set the Executive) Tj ET Q q 0 0 0 rg BT 378.15 742.10 Td (s hand and, pursuant to the authorization ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (from its Board of Directors, the Company has caused these presents to be executed in its name on its behalf, all as of the day ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (and year first above written.) 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Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 603.75 Td (1. ) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 85.5 602.18505859375 m 174.4013671875 602.18505859375 l s q 0 0 0 rg BT 85.50 603.75 Td (NON-ADMISSIONS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 579.75 Td (Unum denies that it has violated any law) Tj ET Q q 0 0 0 rg BT 247.87 579.75 Td (, constitution, regulation, statute, ordinance, or any other legal duty existing at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 567.75 Td (common law or otherwise as regards its relationship with you. It is understood and contemplated that this ) Tj ET Q q 0 0 0 rg BT 475.25 567.75 Td (Agreement is for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.75 Td (compromise of potential and disputed claims, and that the consideration provided in this ) Tj ET Q q 0 0 0 rg BT 404.43 555.75 Td (Agreement is not and shall not be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.75 Td (construed as an admission of liability on the part of any party or parties hereby released.) 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For any amounts not subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 447.75 Td (withholding, you agree that Unum has made no representation to you concerning tax consequences of the payments, and you ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 435.75 Td (agree that you have not relied on any such representation. ) Tj ET Q q 0 0 0 rg BT 284.60 435.75 Td (Y) Tj ET Q q 0 0 0 rg BT 290.82 435.75 Td (ou agree to indemnify and hold harmless Unum from any taxes, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 423.75 Td (assessments, interest, or penalties that Unum may at any time incur by reason of demand, suit, or proceeding brought against it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 411.75 Td (for any taxes, interest, penalties or assessments arising out of this ) Tj ET Q q 0 0 0 rg BT 312.50 411.75 Td (Agreement.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 387.75 Td (3. ) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 85.5 386.18505859375 m 183.5859375 386.18505859375 l s q 0 0 0 rg BT 85.50 387.75 Td (GENERAL) Tj ET Q q 0 0 0 rg BT 134.40 387.75 Td ( RELEASE) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 363.75 Td (For and in consideration of the severance benefits to be provided under the CIC ) Tj ET Q q 0 0 0 rg BT 405.96 363.75 Td (Agreement and the mutual promises, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 351.75 Td (covenants, and agreements made herein by and between you and Unum, you unconditionally and generally release Unum from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 339.75 Td (each and every action, claim, right, liability or demand of any kind and nature, and from any claims which may be derived ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.75 Td (therefrom, that you had, have, or might hereafter claim to have against Unum or any current or former employee, agent, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.75 Td (successor or predecessor of Unum at common law) Tj ET Q q 0 0 0 rg BT 250.18 315.75 Td (, public policy or otherwise, particularly including, but not by way of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.75 Td (limitation, the following: all claims for personal injury) Tj ET Q q 0 0 0 rg BT 269.64 303.75 Td (, including claims for emotional distress; any claim arising under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.75 Td (Age Discrimination in Employment ) Tj ET Q q 0 0 0 rg BT 195.04 291.75 Td (Act of 1967, as amended; ) Tj ET Q q 0 0 0 rg BT 299.83 291.75 Td (T) Tj ET Q q 0 0 0 rg BT 305.58 291.75 Td (itle ) Tj ET Q q 0 0 0 rg BT 320.68 291.75 Td (VII of the Civil Rights ) Tj ET Q q 0 0 0 rg BT 413.18 291.75 Td (Act of 1991; the ) Tj ET Q q 0 0 0 rg BT 480.39 291.75 Td (Americans with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.75 Td (Disabilities ) Tj ET Q q 0 0 0 rg BT 97.00 279.75 Td (Act of 1990; the Rehabilitation ) Tj ET Q q 0 0 0 rg BT 223.37 279.75 Td (Act of 1973; the Fair Labor Standards ) Tj ET Q q 0 0 0 rg BT 377.50 279.75 Td (Act; the National Labor Relations ) Tj ET Q q 0 0 0 rg BT 514.97 279.75 Td (Act; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.75 Td (Sections 1981 through 1988 of ) Tj ET Q q 0 0 0 rg BT 175.14 267.75 Td (T) Tj ET Q q 0 0 0 rg BT 180.90 267.75 Td (itle 42 of the United States Code; the Immigration Reform and Control ) Tj ET Q q 0 0 0 rg BT 466.41 267.75 Td (Act; the False Claims ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.75 Td (Act; the Occupational Safety and Health ) Tj ET Q q 0 0 0 rg BT 213.33 255.75 Td (Act; the ) Tj ET Q q 0 0 0 rg BT 247.59 255.75 Td (W) Tj ET Q q 0 0 0 rg BT 256.22 255.75 Td (orker ) Tj ET Q q 0 0 0 rg BT 279.27 255.75 Td (Adjustment and Retraining Notification ) Tj ET Q q 0 0 0 rg BT 440.35 255.75 Td (Act; the Employment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.75 Td (Retirement Income Security ) Tj ET Q q 0 0 0 rg BT 164.19 243.75 Td (Act of 1974 \(save for a benefit claim as provided below\); any other federal, state or local law ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.75 Td (dealing with discrimination in employment on the basis of sex, race, color) Tj ET Q q 0 0 0 rg BT 345.42 231.75 Td (, national origin, religion, disability) Tj ET Q q 0 0 0 rg BT 486.69 231.75 Td (, age, sexual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.75 Td (orientation or any other grounds; any claim for wrongful dischar) Tj ET Q q 0 0 0 rg BT 307.30 219.75 Td (ge or breach of contract; and any other claims based on tort, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.75 Td (whether based on common law) Tj ET Q q 0 0 0 rg BT 173.26 207.75 Td (, public policy or otherwise. It is your intent to release all claims of every nature and kind ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.75 Td (whether known or unknown, accrued or unaccrued, which you may have against Unum as of the date of the execution of this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 183.75 Td (Agreement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 159.75 Td (It is expressly understood and agreed by you that this ) Tj ET Q q 0 0 0 rg BT 300.46 159.75 Td (Agreement does not include your vested rights, if any) Tj ET Q q 0 0 0 rg BT 514.48 159.75 Td (, in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 147.75 Td (Unum Pension or in the Unum 401\(k\) Retirement Plan, any other rights you may have to benefits under Unum) Tj ET Q q 0 0 0 rg BT 494.70 147.75 Td (s welfare benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 135.75 Td (plans, or any vested rights you may have under a stock option or long term incentive plan, or any rights to deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 123.75 Td (compensation. Such retirement plan, welfare plan, stock options or deferred compensation rights survive unaf) Tj ET Q q 0 0 0 rg BT 490.58 123.75 Td (fected by this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 111.75 Td (release, subject to the laws and plan documents governing those plans. ) Tj ET Q q 0 0 0 rg BT 336.47 111.75 Td (This ) Tj ET Q q 0 0 0 rg BT 356.19 111.75 Td (Agreement does not include any rights or claims ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 99.75 Td (against Unum or those associated with Unum that you may have which arise after the date you sign the ) Tj ET Q q 0 0 0 rg BT 463.56 99.75 Td (Agreement, or any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 87.75 Td (claim that you may have to unemployment compensation or workers) Tj ET Q q 0 0 0 rg BT 326.74 87.75 Td ( compensation benefits.) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 627.75 Td (If you violate this ) Tj ET Q q 0 0 0 rg BT 158.27 627.75 Td (Agreement by filing a lawsuit or char) Tj ET Q q 0 0 0 rg BT 308.04 627.75 Td (ge against Unum, you agree to pay back the entire payment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 615.75 Td (that you received under the CIC ) Tj ET Q q 0 0 0 rg BT 179.46 615.75 Td (Agreement within 7 days after you file your lawsuit or char) Tj ET Q q 0 0 0 rg BT 416.99 615.75 Td (ge. Such payment should be sent to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 603.75 Td (the Executive ) Tj ET Q q 0 0 0 rg BT 106.52 603.75 Td (V) Tj ET Q q 0 0 0 rg BT 113.14 603.75 Td (ice President and General Counsel, Unum Group, 1 Fountain Square, Chattanooga, ) Tj ET Q q 0 0 0 rg BT 447.61 603.75 Td (TN 37402. If you fail to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 591.75 Td (timely pay back the entire payment, you hereby agree to dismiss, with prejudice, any such lawsuit or char) Tj ET Q q 0 0 0 rg BT 471.41 591.75 Td (ge.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 567.75 Td (This promise does not prevent you from filing an employment discrimination char) Tj ET Q q 0 0 0 rg BT 414.42 567.75 Td (ge with the EEOC or a state or local ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 555.75 Td (fair employment agency or from cooperating with the EEOC or such an agency in an investigation. However) Tj ET Q q 0 0 0 rg BT 487.30 555.75 Td (, if you file such a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 543.75 Td (char) Tj ET Q q 0 0 0 rg BT 66.53 543.75 Td (ge, you agree that you have waived all rights to any money) Tj ET Q q 0 0 0 rg BT 301.92 543.75 Td (, damages, attorneys) Tj ET Q q 0 0 0 rg BT 386.15 543.75 Td ( fees, costs, right to sue or other relief or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 531.75 Td (remedy in any such char) Tj ET Q q 0 0 0 rg BT 147.06 531.75 Td (ge.) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 411.75 Td (1. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 121.5 410.4169921875 m 181.72216796875 410.4169921875 l s q 0 0 0 rg BT 121.50 411.75 Td (Confidentiality) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.40 411.75 Td (. ) Tj ET Q q 0 0 0 rg BT 188.53 411.75 Td (Y) Tj ET Q q 0 0 0 rg BT 194.75 411.75 Td (ou agree to use confidential information gained during employment or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 399.75 Td (engagement with Unum for the benefit of Unum only and, without the prior written consent of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 387.75 Td (Unum, you agree not to divulge, reveal or communicate any confidential information to anyone, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 375.75 Td (not to use any confidential information for your own or anyone else) Tj ET Q q 0 0 0 rg BT 395.04 375.75 Td (s benefit, other than as required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 363.75 Td (by law or legal process.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 339.75 Td (2. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 121.5 338.4169921875 m 189.8203125 338.4169921875 l s q 0 0 0 rg BT 121.50 339.75 Td (Non-competition) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.82 339.75 Td (. ) Tj ET Q q 0 0 0 rg BT 197.14 339.75 Td (W) Tj ET Q q 0 0 0 rg BT 206.18 339.75 Td (ithout the prior written consent of Unum, you agree not to own, manage, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 327.75 Td (operate, join, control, or participate in the ownership, management, operation or control of, or be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 315.75 Td (employed by) Tj ET Q q 0 0 0 rg BT 172.78 315.75 Td (, consult with, render services for) Tj ET Q q 0 0 0 rg BT 305.95 315.75 Td (, or be connected in any manner with, a business in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 303.75 Td (United States, whether for compensation or otherwise, which is engaged in the sale or provision of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 291.75 Td (employee benefits or other products or services of the type of) Tj ET Q q 0 0 0 rg BT 366.79 291.75 Td (fered by Unum, unless your primary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 279.75 Td (duties and responsibilities with respect to such business are not related to the management, operation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 267.75 Td (or provision of such products or services.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 243.75 Td (3. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 121.5 242.4169921875 m 186.490234375 242.4169921875 l s q 0 0 0 rg BT 121.50 243.75 Td (Non-solicitation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.49 243.75 Td (. ) Tj ET Q q 0 0 0 rg BT 193.81 243.75 Td (W) Tj ET Q q 0 0 0 rg BT 202.85 243.75 Td (ithout the prior written consent of Unum, you agree not to solicit, assist or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 231.75 Td (induce employees, representatives, or of) Tj ET Q q 0 0 0 rg BT 282.37 231.75 Td (ficers of Unum at the time of the solicitation, assistance, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 219.75 Td (inducement to terminate their relationships with Unum, or employ or of) Tj ET Q q 0 0 0 rg BT 408.20 219.75 Td (fer to employ) Tj ET Q q 0 0 0 rg BT 461.42 219.75 Td (, call on or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 207.75 Td (actively interfere with Unum) Tj ET Q q 0 0 0 rg BT 240.07 207.75 Td (s relationship with them. In addition, you agree not to solicit or accept ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 195.75 Td (any business from customers of Unum or brokers with respect to customers of Unum whom you ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 183.75 Td (serviced, solicited or had contact while you were employed with Unum.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 159.75 Td (4. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 121.5 158.4169921875 m 202.583984375 158.4169921875 l s q 0 0 0 rg BT 121.50 159.75 Td (Non-Disparagement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.58 159.75 Td (. ) Tj ET Q q 0 0 0 rg BT 209.71 159.75 Td (Y) Tj ET Q q 0 0 0 rg BT 215.93 159.75 Td (ou agree not to make any statement, oral or written, public or in private, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 147.75 Td (which is reasonably foreseeable as harming Unum) Tj ET Q q 0 0 0 rg BT 325.88 147.75 Td (s business interests or impacts negatively on its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 135.75 Td (business reputation or reputation in the community) Tj ET Q q 0 0 0 rg BT 324.70 135.75 Td (. Nothing in this provision prohibits you from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 123.75 Td (communicating with or responding to a request for information from a federal, state, administrative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 111.75 Td (agency or court.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 87.75 Td (W) Tj ET Q q 0 0 0 rg BT 130.54 87.75 Td (ith the exception of the confidentiality covenant, each of the above covenants applies from the time of grant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 75.75 Td (until one year following the date of your termination of employment with Unum. ) Tj ET Q q 0 0 0 rg BT 378.42 75.75 Td (The confidentiality covenant applies until ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 63.75 Td (confidential information is no longer confidential due to public disclosure other than as a result of disclosure by you.) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 511.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 122 509.7669921875 m 275.04296875 509.7669921875 l s q 0 0 0 rg BT 122.00 511.10 Td (V) Tj ET Q q 0 0 0 rg BT 128.11 511.10 Td (esting ) Tj ET Q q 0 0 0 rg BT 155.13 511.10 Td (During ) Tj ET Q q 0 0 0 rg BT 186.58 511.10 Td (the ) Tj ET Q q 0 0 0 rg BT 201.93 511.10 Td (Restriction ) Tj ET Q q 0 0 0 rg BT 248.93 511.10 Td (Period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.04 511.10 Td (. ) Tj ET Q q 0 0 0 rg BT 280.67 511.10 Td (Subject ) Tj ET Q q 0 0 0 rg BT 313.79 511.10 Td (to ) Tj ET Q q 0 0 0 rg BT 324.70 511.10 Td (the ) Tj ET Q q 0 0 0 rg BT 340.04 511.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 365.38 511.10 Td (and ) Tj ET Q q 0 0 0 rg BT 382.95 511.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 427.74 511.10 Td (of ) Tj ET Q q 0 0 0 rg BT 439.20 511.10 Td (this ) Tj ET Q q 0 0 0 rg BT 456.08 511.10 Td (Agreement, ) Tj ET Q q 0 0 0 rg BT 506.13 511.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.47 511.10 Td (Restricted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 74.90 499.10 Td (Units ) Tj ET Q q 0 0 0 rg BT 98.69 499.10 Td (shall ) Tj ET Q q 0 0 0 rg BT 119.70 499.10 Td (vest ) Tj ET Q q 0 0 0 rg BT 137.94 499.10 Td (and ) Tj ET Q q 0 0 0 rg BT 154.50 499.10 Td (no ) Tj ET Q q 0 0 0 rg BT 166.62 499.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 194.29 499.10 Td (be ) Tj ET Q q 0 0 0 rg BT 205.85 499.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 236.30 499.10 Td (to ) Tj ET Q q 0 0 0 rg BT 246.20 499.10 Td (any ) Tj ET Q q 0 0 0 rg BT 262.76 499.10 Td (restriction ) Tj ET Q q 0 0 0 rg BT 305.43 499.10 Td (on ) Tj ET Q q 0 0 0 rg BT 317.55 499.10 Td (the ) Tj ET Q q 0 0 0 rg BT 331.89 499.10 Td (anniversaries ) Tj ET Q q 0 0 0 rg BT 386.77 499.10 Td (of ) Tj ET Q q 0 0 0 rg BT 397.22 499.10 Td (the ) Tj ET Q q 0 0 0 rg BT 411.56 499.10 Td (Grant ) Tj ET Q q 0 0 0 rg BT 436.45 499.10 Td (Date ) Tj ET Q q 0 0 0 rg BT 457.45 499.10 Td (set ) Tj ET Q q 0 0 0 rg BT 470.68 499.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 492.25 499.10 Td (below ) Tj ET Q q 0 0 0 rg BT 518.81 499.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 536.48 499.10 Td (period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (during ) Tj ET Q q 0 0 0 rg BT 78.61 487.10 Td (which ) Tj ET Q q 0 0 0 rg BT 105.55 487.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 152.48 487.10 Td (apply) Tj ET Q q 0 0 0 rg BT 174.05 487.10 Td (, ) Tj ET Q q 0 0 0 rg BT 179.05 487.10 Td (the ) Tj ET Q q 0 0 0 rg BT 193.76 487.10 Td (Restriction ) Tj ET Q q 0 0 0 rg BT 244.58 487.10 Td (Period\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.85 467.17 Td (V) Tj ET Q q 0 0 0 rg BT 204.96 467.17 Td (esting Dates) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 166.65 455.8333984375 m 286.3228515625 455.8333984375 l s q 0 0 0 rg BT 166.65 457.17 Td (\(Anniversaries of Grant Date\)) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 325.45 455.93339843750005 m 460.4548828125 455.93339843750005 l s q 0 0 0 rg BT 325.45 457.27 Td (Percentage of ) Tj ET Q q 0 0 0 rg BT 382.46 457.27 Td (T) Tj ET Q q 0 0 0 rg BT 387.87 457.27 Td (otal Grant ) Tj ET Q q 0 0 0 rg BT 430.45 457.27 Td (V) Tj ET Q q 0 0 0 rg BT 436.57 457.27 Td (esting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.60 443.17 Td (First ) Tj ET Q q 0 0 0 rg BT 206.16 443.17 Td (Anniversary) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.80 443.17 Td (33%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.05 429.17 Td (Second ) Tj ET Q q 0 0 0 rg BT 211.71 429.17 Td (Anniversary) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.80 429.17 Td (33%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.70 415.17 Td (Third ) Tj ET Q q 0 0 0 rg BT 208.14 415.17 Td (Anniversary) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.80 415.17 Td (34%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 387.10 Td (\(c\) ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 122 385.7669921875 m 235.720703125 385.7669921875 l s q 0 0 0 rg BT 122.00 387.10 Td (T) Tj ET Q q 0 0 0 rg BT 127.41 387.10 Td (ermination of Employment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.72 387.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 363.10 Td (\(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 363.10 Td (Upon the Employee) Tj ET Q q 0 0 0 rg BT 240.76 363.10 Td (s ) Tj ET Q q 0 0 0 rg BT 246.97 363.10 Td (T) Tj ET Q q 0 0 0 rg BT 252.38 363.10 Td (ermination of Employment for any reason \(other than as specified in Section ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 351.10 Td (1\(c\)\(ii\) or 1\(c\)\(iii\) below\) during the Restriction Period, all Restricted Stock Units still subject to restriction shall be forfeited.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 327.10 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 327.10 Td (Upon the Employee) Tj ET Q q 0 0 0 rg BT 240.76 327.10 Td (s ) Tj ET Q q 0 0 0 rg BT 246.97 327.10 Td (T) Tj ET Q q 0 0 0 rg BT 252.38 327.10 Td (ermination of Employment during the Restriction Period due to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 315.10 Td (Employee) Tj ET Q q 0 0 0 rg BT 93.32 315.10 Td (s death, Disability or Retirement, the restrictions applicable to the Restricted Stock Units shall lapse, and such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 303.10 Td (Restricted Stock Units shall become free of all restrictions and become fully vested.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 279.10 Td (\(iii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 279.10 Td (Upon the Employee) Tj ET Q q 0 0 0 rg BT 240.76 279.10 Td (s ) Tj ET Q q 0 0 0 rg BT 246.97 279.10 Td (T) Tj ET Q q 0 0 0 rg BT 252.38 279.10 Td (ermination of Employment during the Restriction Period by the Company as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 267.10 Td (a result of job elimination or requalification, the Employee shall vest in a number of Restricted Stock Units subject to each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 255.10 Td (tranche that has not vested as of the date of the ) Tj ET Q q 0 0 0 rg BT 239.47 255.10 Td (T) Tj ET Q q 0 0 0 rg BT 244.88 255.10 Td (ermination of Employment equal to the product of \(x\) the number of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 243.10 Td (Restricted Stock Units subject to such tranche that has not vested as of the date of the ) Tj ET Q q 0 0 0 rg BT 393.90 243.10 Td (T) Tj ET Q q 0 0 0 rg BT 399.31 243.10 Td (ermination of Employment and \(y\) a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 231.10 Td (fraction, the numerator of which is the number of full and partial months that have lapsed from the Grant Date until the date of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 219.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.54 219.10 Td (T) Tj ET Q q 0 0 0 rg BT 69.95 219.10 Td (ermination of Employment and the denominator of which is the total number of months in the Restriction Period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 207.10 Td (applicable to such tranche. ) Tj ET Q q 0 0 0 rg BT 158.94 207.10 Td (The benefits described this Section 1\(c\)\(iii\) shall also apply upon a ) Tj ET Q q 0 0 0 rg BT 428.96 207.10 Td (T) Tj ET Q q 0 0 0 rg BT 434.38 207.10 Td (ermination of Employment by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 195.10 Td (the Employee for Good Reason if the Company has entered into a separate written agreement with the Employee providing for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 183.10 Td (payments upon a ) Tj ET Q q 0 0 0 rg BT 120.08 183.10 Td (T) Tj ET Q q 0 0 0 rg BT 125.49 183.10 Td (ermination of Employment for Good Reason not following a Change in Control, in which case Good ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 171.10 Td (Reason shall have the meaning ascribed to it in such agreement; ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 312.97 171.10 Td (pr) Tj ET Q q 0 0 0 rg BT 321.49 171.10 Td (ovided) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.14 171.10 Td (, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 353.14 171.10 Td (that) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.70 171.10 Td (, if the Employee is eligible for Retirement at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 159.10 Td (the time of ) Tj ET Q q 0 0 0 rg BT 95.64 159.10 Td (T) Tj ET Q q 0 0 0 rg BT 101.05 159.10 Td (ermination of Employment by the Employee for Good Reason, the vesting of such Employee) Tj ET Q q 0 0 0 rg BT 476.52 159.10 Td (s Restricted Stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 147.10 Td (Units shall be governed by Section 1\(c\)\(ii\) above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 123.10 Td (\(iv\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 123.10 Td (For purposes of this ) Tj ET Q q 0 0 0 rg BT 239.67 123.10 Td (Agreement and notwithstanding section 1\() Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 409.63 123.10 Td (ll) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.19 123.10 Td (\) of the Plan, Retirement shall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 111.10 Td (mean the Employee) Tj ET Q q 0 0 0 rg BT 132.19 111.10 Td (s ) Tj ET Q q 0 0 0 rg BT 138.40 111.10 Td (T) Tj ET Q q 0 0 0 rg BT 143.81 111.10 Td (ermination of Employment after \(x\) the attainment of age 65, \(y\)the attainment of age 55 and at least ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 99.10 Td (15 years of continuous service if, as of December 31, 2013, the Employee was a participant in the Company) Tj ET Q q 0 0 0 rg BT 485.15 99.10 Td (s long-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 87.10 Td (incentive program, at least age 50 and had at least 10 years of continuous service, or \(z\) the attainment of age 60 and at least 15 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 75.10 Td (years of continuous service, in each case only if such ) Tj ET Q q 0 0 0 rg BT 264.47 75.10 Td (T) Tj ET Q q 0 0 0 rg BT 269.88 75.10 Td (ermination of Employment is approved as a Retirement by \(1\)the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 63.10 Td (Committee in the case of an Employee who is subject to Section16 of the Exchange ) Tj ET Q q 0 0 0 rg BT 389.36 63.10 Td (Act, or \(2\)the Chief Executive Of) Tj ET Q q 0 0 0 rg BT 526.07 63.10 Td (ficer or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 51.10 Td (Senior ) Tj ET Q q 0 0 0 rg BT 78.43 51.10 Td (V) Tj ET Q q 0 0 0 rg BT 85.05 51.10 Td (ice President, Corporate Human Resources, in the case of all other individuals. Notwithstanding the foregoing or ) Tj ET Q endstream endobj 469 0 obj <> endobj 470 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (section 1\() Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 89.16 742.10 Td (ll) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.71 742.10 Td (\) of the Plan, in the event that Employee is subject to the laws of a foreign jurisdiction where the above definition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (would violate applicable law) Tj ET Q q 0 0 0 rg BT 164.59 730.10 Td (, Retirement shall mean the Employee) Tj ET Q q 0 0 0 rg BT 328.97 730.10 Td (s ) Tj ET Q q 0 0 0 rg BT 335.19 730.10 Td (T) Tj ET Q q 0 0 0 rg BT 340.60 730.10 Td (ermination of Employment where the Employee ceases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (employment with the intention of ceasing to do any further work and on a date that has been agreed by both the Company and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (the Employee in writing in advance in compliance with such local legal requirements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 682.10 Td (\(v\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 682.10 Td (For purposes of this ) Tj ET Q q 0 0 0 rg BT 239.67 682.10 Td (Agreement, employment with the Company shall include employment with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (Company) Tj ET Q q 0 0 0 rg BT 91.67 670.10 Td (s ) Tj ET Q q 0 0 0 rg BT 97.50 670.10 Td (Af) Tj ET Q q 0 0 0 rg BT 107.88 670.10 Td (filiates and successors. Nothing in this ) Tj ET Q q 0 0 0 rg BT 263.69 670.10 Td (Agreement or the Plan shall confer upon the Employee any right to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (continue in the employ of the Company or any of its ) Tj ET Q q 0 0 0 rg BT 261.35 658.10 Td (Af) Tj ET Q q 0 0 0 rg BT 271.72 658.10 Td (filiates or interfere in any way with the right of the Company or any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (such ) Tj ET Q q 0 0 0 rg BT 70.28 646.10 Td (Af) Tj ET Q q 0 0 0 rg BT 80.65 646.10 Td (filiates to terminate the Employee) Tj ET Q q 0 0 0 rg BT 218.94 646.10 Td (s employment at any time. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (2. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 620.7669921875 m 163.7685546875 620.7669921875 l s q 0 0 0 rg BT 86.00 622.10 Td (Settlement of Units) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.77 622.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 598.10 Td (Subject to Section8 \(pertaining to the withholding of taxes\), as soon as practicable after the date on which the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (Restriction Period expires, and in no event later than 30 days after such date, the Company shall deliver to the Employee or his ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (or her personal representative, in book-position or certificate form, one Share that does not bear any restrictive legend making ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (reference to this ) Tj ET Q q 0 0 0 rg BT 116.36 562.10 Td (Agreement for each Share subject to the Restricted Stock Unit. Notwithstanding the foregoing, the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (shall be entitled to hold the Shares issuable upon settlement of Restricted Stock Units that have vested until the Company shall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (have received from the Employee a duly executed Form ) Tj ET Q q 0 0 0 rg BT 276.67 538.10 Td (W) Tj ET Q q 0 0 0 rg BT 285.56 538.10 Td (-9 or ) Tj ET Q q 0 0 0 rg BT 307.04 538.10 Td (W) Tj ET Q q 0 0 0 rg BT 315.93 538.10 Td (-8, as applicable.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 517.10 Td (3. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 515.7669921875 m 277.34765625 515.7669921875 l s q 0 0 0 rg BT 86.00 517.10 Td (Nontransferability of the Restricted Stock Units) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.35 517.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 493.10 Td (During the Restriction Period and until such time as the Restricted Stock Units are ultimately settled as provided in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 481.10 Td (Section2 above, the Restricted Stock Units and Shares covered by the Restricted Stock Units shall not be transferable by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 469.10 Td (Employee by means of sale, assignment, exchange, encumbrance, pledge, hedge or otherwise; ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 429.03 469.10 Td (pr) Tj ET Q q 0 0 0 rg BT 437.55 469.10 Td (ovided, however) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.09 469.10 Td (, that nothing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 457.10 Td (in this Section 3 shall prevent transfers by will or by the applicable laws of descent and distribution. ) Tj ET Q q 0 0 0 rg BT 451.86 457.10 Td (Any purported or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 445.10 Td (attempted transfer of such Restricted Stock Units or Shares in contravention of this Section 3 shall be null and void.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (4. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 422.7669921875 m 180.43603515625 422.7669921875 l s q 0 0 0 rg BT 86.00 424.10 Td (Rights as a Stockholder) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.16 424.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 400.10 Td (During the Restriction Period, the Employee shall not be entitled to any rights of a stockholder with respect to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (Restricted Stock Units \(including, without limitation, any voting rights\); ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 341.92 388.10 Td (pr) Tj ET Q q 0 0 0 rg BT 350.44 388.10 Td (ovided) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.09 388.10 Td ( that with respect to any dividends paid on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (Shares underlying the Restricted Stock Units, such dividends will be reinvested into additional Restricted Stock Units, which, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (as applicable, shall vest and be settled at such time as the underlying Restricted Stock Units vest and are settled.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 343.10 Td (5. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 341.7669921875 m 211.8251953125 341.7669921875 l s q 0 0 0 rg BT 86.00 343.10 Td (Adjustment; Change in Control) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.83 343.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 319.10 Td (In the event of certain transactions during the Restriction Period, the Restricted Stock Units shall be subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 307.10 Td (adjustment as provided in Section3\(d\) of the Plan or any applicable successor provision under the Plan. Notwithstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 295.10 Td (anything in Section 1 to the contrary: \(a\) upon the occurrence of a Change in Control, unless a Replacement ) Tj ET Q q 0 0 0 rg BT 483.76 295.10 Td (A) Tj ET Q q 0 0 0 rg BT 490.06 295.10 Td (ward is granted in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 283.10 Td (respect of the Restricted Stock Units \(in which case this clause \(a\) shall not apply\), the restrictions applicable to the Restricted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 271.10 Td (Stock Units shall lapse and such Restricted Stock Units shall become free of all restrictions and fully vested as of such Change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 259.10 Td (in Control and shall be settled as soon as practicable following the date of such Change in Control \(but not later than 30 days ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 247.10 Td (thereafter\); and \(b\) if a Replacement ) Tj ET Q q 0 0 0 rg BT 197.70 247.10 Td (A) Tj ET Q q 0 0 0 rg BT 204.00 247.10 Td (ward is granted in respect of the Restricted Stock Units in connection with such Change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 235.10 Td (in Control, upon a ) Tj ET Q q 0 0 0 rg BT 125.09 235.10 Td (T) Tj ET Q q 0 0 0 rg BT 130.50 235.10 Td (ermination of Employment of the Employee occurring upon or during the two years immediately following ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 223.10 Td (the date of such Change in Control by reason of death, Disability or Retirement, by the Company without Cause, or by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 211.10 Td (Employee for Good Reason \(as defined in the Plan, except that if the Employee is covered by a separate written plan or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 199.10 Td (agreement providing for payments upon a ) Tj ET Q q 0 0 0 rg BT 219.77 199.10 Td (T) Tj ET Q q 0 0 0 rg BT 225.18 199.10 Td (ermination of Employment for Good Reason within two years following a Change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 187.10 Td (in Control, then as defined in such plan or agreement\), the restrictions applicable to such Replacement ) Tj ET Q q 0 0 0 rg BT 460.99 187.10 Td (A) Tj ET Q q 0 0 0 rg BT 467.29 187.10 Td (ward, to the extent not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 175.10 Td (vested as of such ) Tj ET Q q 0 0 0 rg BT 120.36 175.10 Td (T) Tj ET Q q 0 0 0 rg BT 125.77 175.10 Td (ermination of Employment, shall lapse, and such Replacement ) Tj ET Q q 0 0 0 rg BT 377.92 175.10 Td (A) Tj ET Q q 0 0 0 rg BT 384.23 175.10 Td (ward shall become free of all restrictions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 163.10 Td (and fully vested and shall be settled as soon as practicable following the date of ) Tj ET Q q 0 0 0 rg BT 370.56 163.10 Td (T) Tj ET Q q 0 0 0 rg BT 375.97 163.10 Td (ermination of Employment \(but not later than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 151.10 Td (30 days thereafter\); ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 130.24 151.10 Td (pr) Tj ET Q q 0 0 0 rg BT 138.76 151.10 Td (ovided, however) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.29 151.10 Td (, that any Restricted Stock Units that constitute nonqualified deferred compensation as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 139.10 Td (defined under Section 409A) Tj ET Q q 0 0 0 rg BT 161.92 139.10 Td ( of the Code shall, to the extent necessary to avoid the imposition of penalty taxes under Section ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 127.10 Td (409A) Tj ET Q q 0 0 0 rg BT 71.67 127.10 Td ( of the Code, not be so settled unless the Change in Control constitutes a change in control event within the meaning of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 115.10 Td (Section 409A) Tj ET Q q 0 0 0 rg BT 104.17 115.10 Td ( of the Code \(it being understood that nothing in this Section 5 shall preclude the Company from settling upon a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 103.10 Td (Change in Control any Restricted Stock Units that are not replaced by a Replacement ) Tj ET Q q 0 0 0 rg BT 393.24 103.10 Td (A) Tj ET Q q 0 0 0 rg BT 399.54 103.10 Td (ward, to the extent ef) Tj ET Q q 0 0 0 rg BT 484.05 103.10 Td (fectuated in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 91.10 Td (accordance with ) Tj ET Q q 0 0 0 rg BT 117.56 91.10 Td (T) Tj ET Q q 0 0 0 rg BT 123.32 91.10 Td (reasury Reg. 1.409A-3\(j\)\(ix\)\).) Tj ET Q endstream endobj 471 0 obj <> endobj 472 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (6. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 740.7669921875 m 298.9638671875 740.7669921875 l s q 0 0 0 rg BT 86.00 742.10 Td (Payment of ) Tj ET Q q 0 0 0 rg BT 134.14 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 139.90 742.10 Td (ransfer ) Tj ET Q q 0 0 0 rg BT 169.98 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 175.39 742.10 Td (axes, Fees and Other Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.96 742.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 718.10 Td (The Company agrees to pay any and all original issue taxes and stock transfer taxes that may be imposed on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (issuance of shares received by an Employee in connection with the Restricted Stock Units, together with any and all other fees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (and expenses necessarily incurred by the Company in connection therewith.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (7. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 671.7669921875 m 159.0419921875 671.7669921875 l s q 0 0 0 rg BT 86.00 673.10 Td (Other Restrictions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.04 673.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.00 649.10 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 649.10 Td (The Restricted Stock Units shall be subject to the requirement that, if at any time the Committee shall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 637.10 Td (determine that \(i\)the listing, registration or qualification of the Shares subject or related thereto upon any securities exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 625.10 Td (or under any state or federal law is required, or \(ii\)the consent or approval of any government regulatory body is required, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 613.10 Td (then in any such event, the grant of Restricted Stock Units shall not be ef) Tj ET Q q 0 0 0 rg BT 345.69 613.10 Td (fective unless such listing, registration, qualification, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 601.10 Td (consent or approval shall have been ef) Tj ET Q q 0 0 0 rg BT 207.09 601.10 Td (fected or obtained free of any conditions not acceptable to the Committee.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.00 577.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 577.10 Td (If the Employee is an insider as described under the Company) Tj ET Q q 0 0 0 rg BT 373.04 577.10 Td (s Insider ) Tj ET Q q 0 0 0 rg BT 409.52 577.10 Td (T) Tj ET Q q 0 0 0 rg BT 415.28 577.10 Td (rading Policy \(as in ef) Tj ET Q q 0 0 0 rg BT 503.41 577.10 Td (fect from time ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 565.10 Td (to time and any successor policies\), the Employee shall be required to obtain pre-clearance from the General Counsel or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 553.10 Td (Securities Counsel of the Company prior to purchasing or selling any of the Company) Tj ET Q q 0 0 0 rg BT 400.88 553.10 Td (s securities, including any shares issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 541.10 Td (upon vesting of the Restricted Stock Units, and may be prohibited from selling such securities other than during an open ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 529.10 Td (trading window) Tj ET Q q 0 0 0 rg BT 116.40 529.10 Td (. ) Tj ET Q q 0 0 0 rg BT 121.22 529.10 Td (The Employee further acknowledges that, in its discretion, the Company may prohibit the Employee from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 517.10 Td (selling such securities even during an open trading window if the Company has concerns over the potential for insider trading.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 493.10 Td (8. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 491.7669921875 m 178.587890625 491.7669921875 l s q 0 0 0 rg BT 86.00 493.10 Td (T) Tj ET Q q 0 0 0 rg BT 91.41 493.10 Td (axes and ) Tj ET Q q 0 0 0 rg BT 128.44 493.10 Td (W) Tj ET Q q 0 0 0 rg BT 137.47 493.10 Td (ithholding) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.59 493.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 469.10 Td (No later than the date as of which an amount first becomes includible in the gross income of the Employee for federal, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 457.10 Td (state, local or foreign income, employment or other tax purposes with respect to any Restricted Stock Units, the Employee shall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 445.10 Td (pay to the Company) Tj ET Q q 0 0 0 rg BT 130.17 445.10 Td (, or make arrangements satisfactory to the Company regarding the payment of, all federal, state, local and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 433.10 Td (foreign taxes that are required by applicable laws and regulations to be withheld with respect to such amount. ) Tj ET Q q 0 0 0 rg BT 489.96 433.10 Td (The obligations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 421.10 Td (of the Company under this ) Tj ET Q q 0 0 0 rg BT 158.60 421.10 Td (Agreement shall be conditioned on compliance by the Employee with this Section8, and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 409.10 Td (Company shall, to the extent permitted by law) Tj ET Q q 0 0 0 rg BT 234.31 409.10 Td (, have the right to deduct any such taxes from any payment otherwise due to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 397.10 Td (Employee, including deducting such amount from the delivery of shares upon settlement of the Restricted Stock Units that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (gives rise to the withholding requirement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (9. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 362.7669921875 m 304.84765625 362.7669921875 l s q 0 0 0 rg BT 86.00 364.10 Td (Confidentiality; Non-Solicitation; Non-Disparagement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.85 364.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 340.10 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 340.10 Td (The Employee acknowledges that during the course of employment or engagement with the Company and its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (Af) Tj ET Q q 0 0 0 rg BT 60.37 328.10 Td (filiates the Employee has received and will continue to have access and exposure to secret and proprietary information, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (including but not limited to information about the Company) Tj ET Q q 0 0 0 rg BT 292.75 316.10 Td (s and its ) Tj ET Q q 0 0 0 rg BT 327.48 316.10 Td (Af) Tj ET Q q 0 0 0 rg BT 337.85 316.10 Td (filiates) Tj ET Q q 0 0 0 rg BT 367.65 316.10 Td ( business, business practices and processes, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (customers, and prospective customers, the value of which is derived in part from the fact that the information is not generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (known to the public \(Confidential Information\). ) Tj ET Q q 0 0 0 rg BT 252.82 292.10 Td (The Employee acknowledges that the Company and its ) Tj ET Q q 0 0 0 rg BT 474.99 292.10 Td (Af) Tj ET Q q 0 0 0 rg BT 485.36 292.10 Td (filiates have spent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (significant time, ef) Tj ET Q q 0 0 0 rg BT 125.07 280.10 Td (fort and resources protecting the Confidential Information and that the Confidential Information is of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (significant competitive value to the Company and its ) Tj ET Q q 0 0 0 rg BT 263.29 268.10 Td (Af) Tj ET Q q 0 0 0 rg BT 273.66 268.10 Td (filiates in the industries in which they compete, and that the use or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (disclosure, even if inadvertent, of the Confidential Information for the benefit of a competitor would cause significant damage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (to the legitimate business interests of the Company) Tj ET Q q 0 0 0 rg BT 253.48 244.10 Td (. ) Tj ET Q q 0 0 0 rg BT 257.93 244.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 307.27 244.10 Td (, in order to protect the legitimate business and customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (goodwill interests of the Company and its ) Tj ET Q q 0 0 0 rg BT 219.15 232.10 Td (Af) Tj ET Q q 0 0 0 rg BT 229.52 232.10 Td (filiates, to protect the Confidential Information against inappropriate use or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (disclosure, and in consideration of the grant of and the opportunity to vest in the Restricted Stock Units in accordance with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (provisions of this ) Tj ET Q q 0 0 0 rg BT 121.40 208.10 Td (Agreement, the Employee hereby covenants and agrees to comply with the confidentiality) Tj ET Q q 0 0 0 rg BT 481.18 208.10 Td (, non-solicitation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (and non-disparagement provisions set forth in this Section 9\(a\) \(collectively) Tj ET Q q 0 0 0 rg BT 353.44 196.10 Td (, the RSU Restrictions\). Except to the extent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (expressly provided otherwise below) Tj ET Q q 0 0 0 rg BT 193.48 184.10 Td (, the Employee agrees to comply with the RSU Restrictions for the period commencing on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (the Grant Date and extending through the date that is 12 months following the Employee) Tj ET Q q 0 0 0 rg BT 408.25 172.10 Td (s ) Tj ET Q q 0 0 0 rg BT 414.46 172.10 Td (T) Tj ET Q q 0 0 0 rg BT 419.87 172.10 Td (ermination of Employment for any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (reason \(such period, the RSU Restricted Period\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 136.10 Td (\(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 136.10 Td (The Employee will use Confidential Information gained during employment or engagement with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (Company or any ) Tj ET Q q 0 0 0 rg BT 118.60 124.10 Td (Af) Tj ET Q q 0 0 0 rg BT 128.97 124.10 Td (filiate for the benefit of the Company only and, without the prior written consent of the Company) Tj ET Q q 0 0 0 rg BT 517.95 124.10 Td (, shall not, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (at any time during the RSU Restricted Period or thereafter) Tj ET Q q 0 0 0 rg BT 282.59 112.10 Td (, directly or indirectly) Tj ET Q q 0 0 0 rg BT 369.13 112.10 Td (, divulge, reveal or communicate any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (Confidential Information to any person or entity whatsoever) Tj ET Q q 0 0 0 rg BT 290.37 100.10 Td (, or use any Confidential Information for the Employee) Tj ET Q q 0 0 0 rg BT 513.92 100.10 Td (s own ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (benefit or for the benefit of others, other than as required by law or legal process. For purposes of the foregoing, Confidential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (Information shall not include information that becomes generally available to the public, other than as a result of disclosure by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (the Employee.) Tj ET Q endstream endobj 473 0 obj <> endobj 474 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 742.10 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 742.10 Td (The Employee shall not, at any time during the RSU Restricted Period, without the prior written ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (consent of the Company) Tj ET Q q 0 0 0 rg BT 146.83 730.10 Td (, directly or indirectly) Tj ET Q q 0 0 0 rg BT 233.37 730.10 Td (, either for the Employee) Tj ET Q q 0 0 0 rg BT 335.83 730.10 Td (s own benefit or purpose or for the benefit or purpose of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (any other person or entity) Tj ET Q q 0 0 0 rg BT 152.10 718.10 Td (, solicit, assist, or induce any Covered Employee to terminate his or her relationship with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (Company or its ) Tj ET Q q 0 0 0 rg BT 113.61 706.10 Td (Af) Tj ET Q q 0 0 0 rg BT 123.98 706.10 Td (filiates \(regardless of who first initiates the communication\), or help another person or entity evaluate any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (Covered Employee as an employment candidate, or employ) Tj ET Q q 0 0 0 rg BT 288.16 694.10 Td (, or of) Tj ET Q q 0 0 0 rg BT 312.14 694.10 Td (fer to employ) Tj ET Q q 0 0 0 rg BT 365.37 694.10 Td (, call on, or actively interfere with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (Company) Tj ET Q q 0 0 0 rg BT 91.67 682.10 Td (s or any ) Tj ET Q q 0 0 0 rg BT 125.27 682.10 Td (Af) Tj ET Q q 0 0 0 rg BT 135.64 682.10 Td (filiate) Tj ET Q q 0 0 0 rg BT 161.74 682.10 Td (s relationship with any Covered Employee, provided that this paragraph shall not prohibit general ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (solicitations in the form of classified advertisements or the like in newspapers, on the internet, or in other media. For purposes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (of this ) Tj ET Q q 0 0 0 rg BT 77.23 658.10 Td (Agreement, Covered Employee means an individual who is an employee, representative, or of) Tj ET Q q 0 0 0 rg BT 462.74 658.10 Td (ficer of the Company or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (any ) Tj ET Q q 0 0 0 rg BT 66.39 646.10 Td (Af) Tj ET Q q 0 0 0 rg BT 76.76 646.10 Td (filiate at the time of the solicitation, assistance, or inducement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 622.10 Td (\(iii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 622.10 Td (The Employee shall not, at any time during the RSU Restricted Period, without the prior written ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (consent of the Company) Tj ET Q q 0 0 0 rg BT 146.83 610.10 Td (, directly or indirectly) Tj ET Q q 0 0 0 rg BT 233.37 610.10 Td (, either for the Employee) Tj ET Q q 0 0 0 rg BT 335.83 610.10 Td (s own benefit or purpose or for the benefit or purpose of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (any other person or entity) Tj ET Q q 0 0 0 rg BT 152.10 598.10 Td (, solicit or accept any business from any customers of the Company or any ) Tj ET Q q 0 0 0 rg BT 452.31 598.10 Td (Af) Tj ET Q q 0 0 0 rg BT 462.68 598.10 Td (filiate or any broker ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (with regard to customers of the Company or any ) Tj ET Q q 0 0 0 rg BT 245.79 586.10 Td (Af) Tj ET Q q 0 0 0 rg BT 256.16 586.10 Td (filiate \(regardless of who first initiates the communication\), whom the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (Employee serviced, solicited or had contact with while employed or engaged by the Company or any ) Tj ET Q q 0 0 0 rg BT 456.27 574.10 Td (Af) Tj ET Q q 0 0 0 rg BT 466.65 574.10 Td (filiate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 550.10 Td (\(iv\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 550.10 Td (The Employee shall not, at any time during the RSU Restricted Period, directly or indirectly) Tj ET Q q 0 0 0 rg BT 526.15 550.10 Td (, make ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (any statement, oral or written, public or in private, which is reasonably foreseeable as harming the Company) Tj ET Q q 0 0 0 rg BT 486.81 538.10 Td (s or any ) Tj ET Q q 0 0 0 rg BT 520.42 538.10 Td (Af) Tj ET Q q 0 0 0 rg BT 530.79 538.10 Td (filiate) Tj ET Q q 0 0 0 rg BT 556.89 538.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (business interests or impacts negatively on the Company) Tj ET Q q 0 0 0 rg BT 279.68 526.10 Td (s or any ) Tj ET Q q 0 0 0 rg BT 313.29 526.10 Td (Af) Tj ET Q q 0 0 0 rg BT 323.66 526.10 Td (filiate) Tj ET Q q 0 0 0 rg BT 349.76 526.10 Td (s business reputation or reputation in the community) Tj ET Q q 0 0 0 rg BT 559.36 526.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (Nothing in this paragraph will be construed to prevent the Employee from communicating with or responding to a request for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (information from a federal, state, administrative agency or court.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 478.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 478.10 Td (Any termination of the Employee) Tj ET Q q 0 0 0 rg BT 259.19 478.10 Td (s employment or the termination or expiration of this ) Tj ET Q q 0 0 0 rg BT 473.31 478.10 Td (Agreement shall have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 466.10 Td (no ef) Tj ET Q q 0 0 0 rg BT 106.09 466.10 Td (fect on the continuing operation of this Section 9.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 442.10 Td (\(c\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 442.10 Td (The terms and provisions of this Section 9 are intended to be separate and divisible provisions and if, for any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (reason, any one or more of them is held to be invalid or unenforceable, neither the validity nor the enforceability of any other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (provision of this ) Tj ET Q q 0 0 0 rg BT 117.50 418.10 Td (Agreement shall thereby be af) Tj ET Q q 0 0 0 rg BT 237.83 418.10 Td (fected. If for any reason any court of competent jurisdiction shall find any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (provisions of this Section 9 unreasonable in duration or geographic scope or otherwise, the Employee and the Company agree ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (that the restrictions and prohibitions contained herein shall be ef) Tj ET Q q 0 0 0 rg BT 306.69 394.10 Td (fective to the fullest extent allowed under applicable law in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (such jurisdiction.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 358.10 Td (\(d\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 358.10 Td (The Employee acknowledges and agrees that any breach or threatened breach of the RSU Restrictions will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (result in substantial, continuing and irreparable injury to the Company and/or its ) Tj ET Q q 0 0 0 rg BT 372.99 346.10 Td (Af) Tj ET Q q 0 0 0 rg BT 383.36 346.10 Td (filiates. ) Tj ET Q q 0 0 0 rg BT 415.40 346.10 Td (Therefore, in addition to any other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (remedy that may be available to the Company and/or its ) Tj ET Q q 0 0 0 rg BT 276.05 334.10 Td (Af) Tj ET Q q 0 0 0 rg BT 286.42 334.10 Td (filiates, the Company and/or its ) Tj ET Q q 0 0 0 rg BT 414.18 334.10 Td (Af) Tj ET Q q 0 0 0 rg BT 424.55 334.10 Td (filiates shall be entitled to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (equitable and/or injunctive relief to prevent any breach or threatened breach of such provisions, and to specific performance of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (each of the terms thereof in addition to any other legal or equitable remedies that the Company or any ) Tj ET Q q 0 0 0 rg BT 459.03 310.10 Td (Af) Tj ET Q q 0 0 0 rg BT 469.40 310.10 Td (filiate may have. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (10. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 284.7669921875 m 116.546875 284.7669921875 l s q 0 0 0 rg BT 86.00 286.10 Td (Notices) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.55 286.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 262.10 Td (All notices and other communications under this ) Tj ET Q q 0 0 0 rg BT 282.35 262.10 Td (Agreement shall be in writing and shall be given by hand delivery to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (the other party or by facsimile, overnight courier) Tj ET Q q 0 0 0 rg BT 244.53 250.10 Td (, or registered or certified mail, return receipt requested, postage prepaid, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (addressed as follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 217.10 Td (If to the Employee: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 196.10 Td (At the most recent address on file at the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 172.10 Td (If to the Company: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 151.10 Td (Unum Group ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 139.10 Td (1 Fountain Square ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 127.10 Td (Chattanooga, ) Tj ET Q q 0 0 0 rg BT 159.36 127.10 Td (T) Tj ET Q q 0 0 0 rg BT 164.77 127.10 Td (ennessee 37402 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 115.10 Td (Attention: Executive Compensation, Human Resources ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (or to such other address or facsimile number as any party shall have furnished to the other in writing in accordance with this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (Section10. Notices and communications shall be ef) Tj ET Q q 0 0 0 rg BT 256.99 82.10 Td (fective when actually received by the addressee. Notwithstanding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (foregoing, the Employee consents to electronic delivery of documents required to be delivered by the Company under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (securities laws.) Tj ET Q endstream endobj 475 0 obj <> endobj 476 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (1) Tj ET Q q 0 0 0 rg BT 54.63 742.10 Td (1. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 740.7669921875 m 167.4453125 740.7669921875 l s q 0 0 0 rg BT 86.00 742.10 Td (Ef) Tj ET Q q 0 0 0 rg BT 95.26 742.10 Td (fect of ) Tj ET Q q 0 0 0 rg BT 123.02 742.10 Td (Agreement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.45 742.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 718.10 Td (This ) Tj ET Q q 0 0 0 rg BT 105.73 718.10 Td (Agreement is personal to the Employee and, without the prior written consent of the Company) Tj ET Q q 0 0 0 rg BT 483.04 718.10 Td (, shall not be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (assignable by the Employee otherwise than by will or the laws of descent and distribution. ) Tj ET Q q 0 0 0 rg BT 413.63 706.10 Td (This ) Tj ET Q q 0 0 0 rg BT 433.35 706.10 Td (Agreement shall inure to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (benefit of and be enforceable by the Employee) Tj ET Q q 0 0 0 rg BT 239.64 694.10 Td (s legal representatives. ) Tj ET Q q 0 0 0 rg BT 332.75 694.10 Td (This ) Tj ET Q q 0 0 0 rg BT 352.48 694.10 Td (Agreement shall inure to the benefit of and be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (binding upon the Company and its successors and assigns.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (12. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 659.7669921875 m 315.423828125 659.7669921875 l s q 0 0 0 rg BT 86.00 661.10 Td (Laws ) Tj ET Q q 0 0 0 rg BT 109.61 661.10 Td (Applicable to Construction; Consent to Jurisdiction) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.42 661.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 637.10 Td (The interpretation, performance and enforcement of this ) Tj ET Q q 0 0 0 rg BT 312.57 637.10 Td (Agreement shall be governed by the laws of the State of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (Delaware without reference to principles of conflict of laws, as applied to contracts executed in and performed wholly within ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (the State of Delaware. In addition to the terms and conditions set forth in this ) Tj ET Q q 0 0 0 rg BT 360.49 613.10 Td (Agreement, the Restricted Stock Units are subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (to the terms and conditions of the Plan, which is hereby incorporated by reference.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (13. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 578.7669921875 m 133.99560546875 578.7669921875 l s q 0 0 0 rg BT 86.00 580.10 Td (Severability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.67 580.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 568.10 Td (The invalidity or enforceability of any provision of this ) Tj ET Q q 0 0 0 rg BT 309.01 568.10 Td (Agreement shall not af) Tj ET Q q 0 0 0 rg BT 400.18 568.10 Td (fect the validity or enforceability of any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (other provision of this ) Tj ET Q q 0 0 0 rg BT 140.55 556.10 Td (Agreement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 535.10 Td (14. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 533.7669921875 m 196.5224609375 533.7669921875 l s q 0 0 0 rg BT 86.00 535.10 Td (Conflicts and Interpretation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.52 535.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 511.10 Td (Except with regard to the definition of Retirement set forth in Section 1\(c\)\(iii\) hereof, in the event of any conflict ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (between this ) Tj ET Q q 0 0 0 rg BT 102.21 499.10 Td (Agreement and the Plan, the Plan shall control. In the event of any ambiguity in this ) Tj ET Q q 0 0 0 rg BT 440.47 499.10 Td (Agreement, or any matters as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (to which this ) Tj ET Q q 0 0 0 rg BT 103.61 487.10 Td (Agreement is silent, the Plan shall govern including, without limitation, the provisions thereof pursuant to which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (the Committee has the power) Tj ET Q q 0 0 0 rg BT 166.79 475.10 Td (, among others, to \(a\)interpret the Plan, \(b\)prescribe, amend and rescind rules and regulations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.10 Td (relating to the Plan, and \(c\)make all other determinations deemed necessary or advisable for the administration of the Plan. ) Tj ET Q q 0 0 0 rg BT 546.32 463.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 451.10 Td (Employee hereby acknowledges that a copy of the Plan has been made available to him and agrees to be bound by all the terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 439.10 Td (and provisions thereof. ) Tj ET Q q 0 0 0 rg BT 144.24 439.10 Td (The Employee and the Company each acknowledge that this ) Tj ET Q q 0 0 0 rg BT 388.33 439.10 Td (Agreement \(together with the Plan\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 427.10 Td (constitutes the entire agreement and supersedes all other agreements and understandings, both written and oral, between the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 415.10 Td (parties or either of them, with respect to the subject matter hereof.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (15. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 392.7669921875 m 135.43359375 392.7669921875 l s q 0 0 0 rg BT 86.00 394.10 Td (Amendment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.43 394.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 370.10 Td (The Company may modify) Tj ET Q q 0 0 0 rg BT 193.39 370.10 Td (, amend or waive the terms of the Restricted Stock Unit award, prospectively or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (retroactively) Tj ET Q q 0 0 0 rg BT 99.88 358.10 Td (, but no such modification, amendment or waiver shall materially impair the rights of the Employee without his or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (her consent, except as required by applicable law) Tj ET Q q 0 0 0 rg BT 245.93 346.10 Td (, stock exchange rules, tax rules or accounting rules. ) Tj ET Q q 0 0 0 rg BT 457.35 346.10 Td (The waiver by either ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (party of compliance with any provision of this ) Tj ET Q q 0 0 0 rg BT 237.19 334.10 Td (Agreement shall not operate or be construed as a waiver of any other provision ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (of this ) Tj ET Q q 0 0 0 rg BT 77.23 322.10 Td (Agreement, or of any subsequent breach by such party of a provision of this ) Tj ET Q q 0 0 0 rg BT 382.98 322.10 Td (Agreement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td (16. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 299.7669921875 m 140.716796875 299.7669921875 l s q 0 0 0 rg BT 86.00 301.10 Td (Section409A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.72 301.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 277.10 Td (It is the intention of the Company that the Restricted Stock Units shall either \(a\) not constitute nonqualified deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 265.10 Td (compensation as defined under Section 409A) Tj ET Q q 0 0 0 rg BT 235.23 265.10 Td ( of the Code, or \(b\) comply in all respects with the requirements of Section 409A) Tj ET Q q 0 0 0 rg BT 559.04 265.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 253.10 Td (of the Code and the regulations promulgated thereunder) Tj ET Q q 0 0 0 rg BT 273.14 253.10 Td (, such that no delivery of or failure to deliver Shares pursuant to this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 241.10 Td (Agreement will result in the imposition of taxation or penalties as a consequence of the application of Section 409A) Tj ET Q q 0 0 0 rg BT 513.21 241.10 Td ( of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 229.10 Td (Code. Restricted Stock Units that \(i\) constitute nonqualified deferred compensation as defined under Section 409A) Tj ET Q q 0 0 0 rg BT 517.93 229.10 Td ( of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 217.10 Td (Code and \(ii\) vest as a consequence of the Employee) Tj ET Q q 0 0 0 rg BT 264.09 217.10 Td (s termination of employment shall not be delivered until the date that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 205.10 Td (Employee incurs a separation from service within the meaning of Section 409A) Tj ET Q q 0 0 0 rg BT 376.85 205.10 Td ( of the Code \(or) Tj ET Q q 0 0 0 rg BT 439.76 205.10 Td (, if the Employee is a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 193.10 Td (specified employee within the meaning of Section 409A) Tj ET Q q 0 0 0 rg BT 283.54 193.10 Td ( of the Code and the regulations promulgated thereunder) Tj ET Q q 0 0 0 rg BT 509.18 193.10 Td (, the date ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 181.10 Td (that is six months following the date of such separation from service\). If the Company determines after the Grant Date that an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 169.10 Td (amendment to this ) Tj ET Q q 0 0 0 rg BT 125.83 169.10 Td (Agreement is necessary to ensure the foregoing, it may make such an amendment, notwithstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 157.10 Td (Section15 above, ef) Tj ET Q q 0 0 0 rg BT 131.46 157.10 Td (fective as of the Grant Date or any later date, without the consent of the Employee.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (17. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 134.76699218750002 m 123.7685546875 134.76699218750002 l s q 0 0 0 rg BT 86.00 136.10 Td (Headings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.77 136.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 112.10 Td (The headings of Sections herein are included solely for convenience of reference and shall not af) Tj ET Q q 0 0 0 rg BT 473.16 112.10 Td (fect the meaning or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (interpretation of any of the provisions of this ) Tj ET Q q 0 0 0 rg BT 231.08 100.10 Td (Agreement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 79.10 Td (18. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 77.76699218750002 m 137.6552734375 77.76699218750002 l s q 0 0 0 rg BT 86.00 79.10 Td (Counterparts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.66 79.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 55.10 Td (This ) Tj ET Q q 0 0 0 rg BT 105.73 55.10 Td (Agreement may be executed in counterparts, which together shall constitute one and the same original.) Tj ET Q endstream endobj 477 0 obj <> endobj 478 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (19. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 740.7669921875 m 165.1552734375 740.7669921875 l s q 0 0 0 rg BT 86.00 742.10 Td (W) Tj ET Q q 0 0 0 rg BT 94.64 742.10 Td (aiver and Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.16 742.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 718.10 Td (In consideration for the granting of the Restricted Stock Units, the Employee hereby waives any and all claims ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (whether known or unknown that the Employee may have against the Company and its Subsidiaries and ) Tj ET Q q 0 0 0 rg BT 464.92 706.10 Td (Af) Tj ET Q q 0 0 0 rg BT 475.29 706.10 Td (filiates and their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (respective directors, of) Tj ET Q q 0 0 0 rg BT 141.17 694.10 Td (ficers, shareholders, agents or employees arising out of, in connection with or related to the Employee) Tj ET Q q 0 0 0 rg BT 552.15 694.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (employment, except for \(1\)claims under this ) Tj ET Q q 0 0 0 rg BT 232.17 682.10 Td (Agreement, \(2\)claims that arise after the date hereof and obligations that by their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (terms are to be performed after the date hereof, \(3\)claims for compensation or benefits under any compensation or benefit plan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (or arrangement of the Company and its Subsidiaries and ) Tj ET Q q 0 0 0 rg BT 276.89 658.10 Td (Af) Tj ET Q q 0 0 0 rg BT 287.27 658.10 Td (filiates, \(4\)claims for indemnification respecting acts or omissions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (in connection with the Employee) Tj ET Q q 0 0 0 rg BT 184.97 646.10 Td (s service as a director) Tj ET Q q 0 0 0 rg BT 270.63 646.10 Td (, of) Tj ET Q q 0 0 0 rg BT 283.78 646.10 Td (ficer or employee of the Company or any of its Subsidiaries and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (Af) Tj ET Q q 0 0 0 rg BT 60.37 634.10 Td (filiates, \(5\)claims for insurance coverage under directors) Tj ET Q q 0 0 0 rg BT 291.75 634.10 Td ( and of) Tj ET Q q 0 0 0 rg BT 319.34 634.10 Td (ficers) Tj ET Q q 0 0 0 rg BT 344.13 634.10 Td ( liability insurance policies maintained by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (Company or any of its Subsidiaries or ) Tj ET Q q 0 0 0 rg BT 203.60 622.10 Td (Af) Tj ET Q q 0 0 0 rg BT 213.97 622.10 Td (filiates, \(6\)any right the Employee may have to obtain contribution in the event of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (entry of judgment against the Company as a result of any act or failure to act for which both the Employee and the Company or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (any of its Subsidiaries or ) Tj ET Q q 0 0 0 rg BT 151.38 598.10 Td (Af) Tj ET Q q 0 0 0 rg BT 161.75 598.10 Td (filiates are jointly responsible or \(7\) claims under the California Fair Employment and Housing ) Tj ET Q q 0 0 0 rg BT 545.00 598.10 Td (Act. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (The Employee waives any and all rights under the laws of any state \(expressly including but not limited to Section1542 of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (California Civil Code\), which is substantially similar in wording or ef) Tj ET Q q 0 0 0 rg BT 328.95 574.10 Td (fect as follows:) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 122.00 553.10 Td (A) Tj ET Q q 0 0 0 rg BT 128.12 553.10 Td ( general release does not extend to claims which the creditor does not know or suspect ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 122.00 541.10 Td (to exist in his favor at the time of executing the Release, which if known by him must ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 122.00 529.10 Td (have materially af) Tj ET Q q 0 0 0 rg BT 196.25 529.10 Td (fected his settlement with the debtor) Tj ET Q q 0 0 0 rg BT 343.19 529.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 508.10 Td (This waiver specifically includes all claims under the ) Tj ET Q q 0 0 0 rg BT 300.93 508.10 Td (Age Discrimination in Employment ) Tj ET Q q 0 0 0 rg BT 446.47 508.10 Td (Act of 1967, as amended. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (The Employee acknowledges that the Employee \(a\)has been advised to consult an attorney in connection with entering into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (this ) Tj ET Q q 0 0 0 rg BT 66.40 484.10 Td (Agreement; \(b\)has 21 days to consider this waiver and release; and \(c\)may revoke this waiver and release within seven ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (days of execution upon written notice to Legal Counsel, Employment and Labor) Tj ET Q q 0 0 0 rg BT 371.19 472.10 Td (, Law Department, Unum Group, 1 Fountain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (Square, Chattanooga, ) Tj ET Q q 0 0 0 rg BT 138.13 460.10 Td (T) Tj ET Q q 0 0 0 rg BT 143.54 460.10 Td (ennessee 37402. ) Tj ET Q q 0 0 0 rg BT 211.40 460.10 Td (The waiver and release will not become enforceable until the expiration of the seven-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (day period. If the waiver and release is revoked during such seven-day period, the grant shall be void and of no further ef) Tj ET Q q 0 0 0 rg BT 534.09 448.10 Td (fect. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 427.10 Td (20. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 425.7669921875 m 125.9853515625 425.7669921875 l s q 0 0 0 rg BT 86.00 427.10 Td (Clawback) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.99 427.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 406.10 Td (Notwithstanding any provisions in this ) Tj ET Q q 0 0 0 rg BT 242.95 406.10 Td (Agreement to the contrary) Tj ET Q q 0 0 0 rg BT 347.53 406.10 Td (, any Shares or other amounts paid or provided to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (Employee pursuant to this ) Tj ET Q q 0 0 0 rg BT 156.66 394.10 Td (Agreement \(including any gains realized on Shares issued pursuant to this ) Tj ET Q q 0 0 0 rg BT 454.64 394.10 Td (Agreement\), which Shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (or amounts are subject to recovery under any law) Tj ET Q q 0 0 0 rg BT 246.50 382.10 Td (, government regulation, stock exchange listing requirement, or any policy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (adopted by the Company from time to time, will be subject to such deductions and clawback as may be required to be made ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (pursuant to such law) Tj ET Q q 0 0 0 rg BT 131.84 358.10 Td (, government regulation, stock exchange listing requirement, or policy as in ef) Tj ET Q q 0 0 0 rg BT 444.34 358.10 Td (fect from time to time.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 337.10 Td (21. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 335.7669921875 m 132.66015625 335.7669921875 l s q 0 0 0 rg BT 86.00 337.10 Td (Disclosures) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.66 337.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 316.10 Td (Nothing in this ) Tj ET Q q 0 0 0 rg BT 147.95 316.10 Td (Agreement shall be construed to restrict the Employee) Tj ET Q q 0 0 0 rg BT 368.16 316.10 Td (s ability to make a confidential disclosure of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (any trade secret or other confidential information to a government of) Tj ET Q q 0 0 0 rg BT 324.72 304.10 Td (ficial or an attorney for the sole purpose of reporting or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (assisting in the investigation of a suspected violation of law and the Employee shall not be held liable under this ) Tj ET Q q 0 0 0 rg BT 500.46 292.10 Td (Agreement or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (under any federal or state trade secret law for any such disclosure. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 259.10 Td (22. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 257.7669921875 m 170.1650390625 257.7669921875 l s q 0 0 0 rg BT 86.00 259.10 Td (Foreign Jurisdictions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.17 259.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 238.10 Td (This ) Tj ET Q q 0 0 0 rg BT 105.73 238.10 Td (Agreement shall be construed, interpreted and applied in such a manner as shall be necessary to comply with any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (legal or regulatory requirements of any non-United States jurisdiction to which the Employee is or becomes subject. ) Tj ET Q q 0 0 0 rg BT 516.92 226.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (Company hereby delegates to each of the of) Tj ET Q q 0 0 0 rg BT 225.59 214.10 Td (ficers of the Company the authority for the interpretation of such matters, whose ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (interpretations shall be final, binding and conclusive on the Employee and all individuals claiming any rights or benefits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (hereunder) Tj ET Q q 0 0 0 rg BT 89.42 190.10 Td (. ) Tj ET Q q 0 0 0 rg BT 94.24 190.10 Td (The following provisions shall also apply only with respect to non-U.S. employees:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 169.10 Td (\(a\) ) Tj ET Q q 0 0 0 rg BT 122.00 169.10 Td (The Employee shall have no rights under any employment agreement \(or any alleged breach of it\), whether ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 157.10 Td (on termination of his or her employment \(whether lawfully or in breach\) or otherwise, to any damages for breach of contract in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 145.10 Td (respect of the loss of any benefits or any rights \(including the grant or vesting of any share options or equity incentives\) that he ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 133.10 Td (or she may have received had he or she continued to have been employed.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 112.10 Td (\(b\) ) Tj ET Q q 0 0 0 rg BT 122.00 112.10 Td (By executing this ) Tj ET Q q 0 0 0 rg BT 193.94 112.10 Td (Agreement, the Employee also agrees to, and shall be deemed to have provided to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (Company) Tj ET Q q 0 0 0 rg BT 88.24 100.10 Td (, the data protection and monitoring consent set forth in Schedule 1 attached hereto.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 253.95 58.10 Td ([Signatur) Tj ET Q q 0 0 0 rg BT 291.92 58.10 Td (e Page Follows]) Tj ET Q endstream endobj 479 0 obj <> endobj 480 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 721.10 Td (IN ) Tj ET Q q 0 0 0 rg BT 98.87 721.10 Td (WITNESS ) Tj ET Q q 0 0 0 rg BT 144.52 721.10 Td (WHEREOF) Tj ET Q q 0 0 0 rg BT 192.05 721.10 Td (, as of the date first above written, the Company has caused this ) Tj ET Q q 0 0 0 rg BT 448.93 721.10 Td (Agreement to be executed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (on its behalf by a duly authorized of) Tj ET Q q 0 0 0 rg BT 194.50 709.10 Td (ficer and the Employee has hereunto set the Employee) Tj ET Q q 0 0 0 rg BT 414.98 709.10 Td (s hand. ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 644.6 m 412.5 644.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 644.6 m 562.5 644.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 569.6 m 562.5 569.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.00 679.27 Td (Date: ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 113.16 679.27 Td ([Acceptance Date]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 191.17 679.27 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.00 679.27 Td (EMPLOYEE: ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 452.61 679.27 Td ([Participant Name]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 394.00 634.28 Td ([Electr) Tj ET Q q 0 0 1 rg BT 423.24 634.28 Td (onic Signatur) Tj ET Q q 0 0 1 rg BT 480.57 634.28 Td (e]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 394.00 604.27 Td (UNUM GROUP) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.00 574.27 Td (By:) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 415.00 559.28 Td ([Authorized Signatur) Tj ET Q q 0 0 1 rg BT 506.30 559.28 Td (e]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 415.00 544.28 Td ([Name]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 415.00 529.28 Td ([T) Tj ET Q q 0 0 1 rg BT 424.82 529.28 Td (itle]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL endstream endobj 481 0 obj <> endobj 482 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 204.00 730.25 Td (SCHEDULE 1 \(FOR NON-U.S. EMPLOYEES\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (Data Pr) Tj ET Q q 0 0 0 rg BT 83.42 697.25 Td (otection and Monitoring Consent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 676.25 Td (o: ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 86.00 676.25 Td ([Name of Employer]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 173.20 676.25 Td ( \(the Company\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 655.25 Td (I consent to the Company and ) Tj ET Q q 0 0 0 rg BT 171.65 655.25 Td (Af) Tj ET Q q 0 0 0 rg BT 182.02 655.25 Td (filiates holding and processing information about me for legal, personnel, administrative and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 643.25 Td (management purposes and, in particular) Tj ET Q q 0 0 0 rg BT 209.27 643.25 Td (, holding and processing: \(a\)my health records and any medical reports to monitor sick ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 631.25 Td (leave and sick pay) Tj ET Q q 0 0 0 rg BT 122.93 631.25 Td (, to administer benefits and take decisions as to my fitness to work or the need for adjustments in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 619.25 Td (workplace; \(b\) information required to carry out performance reviews, disciplinary and grievance procedures, internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 607.25 Td (investigations and considering reports \(which may be submitted anonymously\) under any whistle-blowing procedure; \(c\)any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 595.25 Td (information relating to criminal proceedings in which I have been involved; and \(d\) to comply with legal requirements and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 583.25 Td (obligations to third parties \(my Personal Data\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (I agree that the Company may make my Personal Data available to ) Tj ET Q q 0 0 0 rg BT 319.36 562.25 Td (Af) Tj ET Q q 0 0 0 rg BT 329.73 562.25 Td (filiates, those who provide products or services to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (Company and ) Tj ET Q q 0 0 0 rg BT 107.77 550.25 Td (Af) Tj ET Q q 0 0 0 rg BT 118.14 550.25 Td (filiates \(such as advisers and payroll administrators\), regulatory authorities, potential or future employers, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (governmental or quasi-governmental or) Tj ET Q q 0 0 0 rg BT 208.38 538.25 Td (ganisations, current or potential investors and potential purchasers of the Company or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (the business in which I work.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 505.25 Td (I hereby consent to the transfer of my Personal Data to any ) Tj ET Q q 0 0 0 rg BT 287.71 505.25 Td (Af) Tj ET Q q 0 0 0 rg BT 298.08 505.25 Td (filiate established outside the European Economic ) Tj ET Q q 0 0 0 rg BT 500.24 505.25 Td (Area, and in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 493.25 Td (particular to the United States. I acknowledge that these countries may not have laws in place to adequately protect my privacy) Tj ET Q q 0 0 0 rg BT 557.23 493.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.25 Td (I understand that all communications \(whether by telephone, email or any other means\) which are transmitted, undertaken or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.25 Td (received using Company property or on Company premises will be treated by the Company as work related and are subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.25 Td (occasional interception, recording and monitoring without further notice. I do not regard any such communications as private ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.25 Td (and I consent to such interception, recording and monitoring. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 415.25 Td (Interception, recording and monitoring of communications is intended to protect the Company) Tj ET Q q 0 0 0 rg BT 430.46 415.25 Td (s business interests \(for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 403.25 Td (example, but without limitation, for the purposes of quality control, security of communication and IT) Tj ET Q q 0 0 0 rg BT 458.34 403.25 Td ( systems, record-keeping ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 391.25 Td (and evidential requirements, detection and prevention of criminal activity or misconduct and to assist the Company to comply ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 379.25 Td (with relevant legal requirements\). I acknowledge that intercepted communications may be used as evidence in any disciplinary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 367.25 Td (or legal proceedings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (I have read, understood and agreed to the above of my own free will.) Tj ET Q endstream endobj 483 0 obj <> endobj 484 0 obj <> stream BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 505.3 759.18505859375 m 561.9796875 759.18505859375 l s q 0 0 0 rg BT 505.30 760.75 Td (Exhibit 10.38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.95 730.10 Td (RESTRICTED ST) Tj ET Q q 0 0 0 rg BT 245.50 730.10 Td (OCK UNIT) Tj ET Q q 0 0 0 rg BT 292.81 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 294.76 730.10 Td (AGREEMENT) Tj ET Q q 0 0 0 rg BT 356.24 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 358.56 730.10 Td (WITH EMPLOYEE ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.00 718.10 Td (\(Unum Group Stock Incentive Plan of 2017 - UK and Ireland Sub-plan\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.50 697.10 Td (THIS ) Tj ET Q q 0 0 0 rg BT 97.00 697.10 Td (AGREEMENT) Tj ET Q q 0 0 0 rg BT 158.48 697.10 Td ( ) Tj ET Q q 0 0 0 rg BT 160.12 697.10 Td (\(this ) Tj ET Q q 0 0 0 rg BT 179.53 697.10 Td (Agreement\), ) Tj ET Q q 0 0 0 rg BT 240.30 697.10 Td (dated ) Tj ET Q q 0 0 0 rg BT 263.60 697.10 Td (as ) Tj ET Q q 0 0 0 rg BT 273.56 697.10 Td (of ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 283.53 697.10 Td ([Grant ) Tj ET Q q 0 0 1 rg BT 314.61 697.10 Td (Date]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 337.93 697.10 Td (, ) Tj ET Q q 0 0 0 rg BT 342.07 697.10 Td (is ) Tj ET Q q 0 0 0 rg BT 350.38 697.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 381.44 697.10 Td (into ) Tj ET Q q 0 0 0 rg BT 398.63 697.10 Td (by ) Tj ET Q q 0 0 0 rg BT 410.27 697.10 Td (and ) Tj ET Q q 0 0 0 rg BT 426.35 697.10 Td (between ) Tj ET Q q 0 0 0 rg BT 461.30 697.10 Td (Unum ) Tj ET Q q 0 0 0 rg BT 487.94 697.10 Td (Group, ) Tj ET Q q 0 0 0 rg BT 517.63 697.10 Td (a ) Tj ET Q q 0 0 0 rg BT 523.71 697.10 Td (Delaware ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 685.10 Td (corporation ) Tj ET Q q 0 0 0 rg BT 98.09 685.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 116.14 685.10 Td (Company\), ) Tj ET Q q 0 0 0 rg BT 172.23 685.10 Td (and ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 189.17 685.10 Td ([Participant ) Tj ET Q q 0 0 1 rg BT 243.33 685.10 Td (Name]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 271.65 685.10 Td ( ) Tj ET Q q 0 0 0 rg BT 274.15 685.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 292.20 685.10 Td (Employee\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.55 664.10 Td (W) Tj ET Q q 0 0 0 rg BT 272.81 664.10 Td ( I ) Tj ET Q q 0 0 0 rg BT 280.96 664.10 Td (T) Tj ET Q q 0 0 0 rg BT 286.88 664.10 Td ( N E S S E ) Tj ET Q q 0 0 0 rg BT 332.27 664.10 Td (T) Tj ET Q q 0 0 0 rg BT 338.19 664.10 Td ( H) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.50 643.10 Td (In consideration of the mutual promises and covenants made herein and the mutual benefits to be derived herefrom, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 631.10 Td (parties hereto agree as follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td (1. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 608.7669921875 m 305.83203125 608.7669921875 l s q 0 0 0 rg BT 85.50 610.10 Td (Grant, ) Tj ET Q q 0 0 0 rg BT 113.09 610.10 Td (V) Tj ET Q q 0 0 0 rg BT 119.20 610.10 Td (esting and Forfeiture of Restricted Stock Units) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.83 610.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 586.10 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 121.5 584.7669921875 m 144.2685546875 584.7669921875 l s q 0 0 0 rg BT 121.50 586.10 Td (Grant) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.27 586.10 Td (. Subject to the provisions of this ) Tj ET Q q 0 0 0 rg BT 278.16 586.10 Td (Agreement and to the provisions of the UK and Ireland Sub-plan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.10 Td (\(Sub-plan\) of the Unum Group Stock Incentive Plan of 2017 \(the Plan\), the Company hereby grants to the Employee, as of ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 49.50 562.10 Td ([Grant Date]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 104.76 562.10 Td ( \(the Grant Date\), ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 186.66 562.10 Td ([Number) Tj ET Q q 0 0 1 rg BT 225.36 562.10 Td ( of ) Tj ET Q q 0 0 1 rg BT 238.14 562.10 Td (A) Tj ET Q q 0 0 1 rg BT 244.62 562.10 Td (wards Granted]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 312.67 562.10 Td ( Restricted Stock Units \(the Restricted Stock Units\), each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.10 Td (with respect to one share of common stock of the Company) Tj ET Q q 0 0 0 rg BT 287.13 550.10 Td (, par value $0.10 per Share. ) Tj ET Q q 0 0 0 rg BT 399.04 550.10 Td (All capitalized terms used herein, to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.10 Td (extent not defined, shall have the meaning set forth in the Sub-plan and the Plan.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 514.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 121.5 512.7669921875 m 272.037109375 512.7669921875 l s q 0 0 0 rg BT 121.50 514.10 Td (V) Tj ET Q q 0 0 0 rg BT 127.61 514.10 Td (esting During the Restriction Period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.04 514.10 Td (. 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 354.10 Td (\(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 354.10 Td (Upon the Employee) Tj ET Q q 0 0 0 rg BT 240.26 354.10 Td (s ) Tj ET Q q 0 0 0 rg BT 246.47 354.10 Td (T) Tj ET Q q 0 0 0 rg BT 251.88 354.10 Td (ermination of Employment for any reason \(other than as specified in Section ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 342.10 Td (1\(c\)\(ii\) or 1\(c\)\(iii\) below\) during the Restriction Period, all Restricted Stock Units still subject to restriction shall be forfeited.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 318.10 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 318.10 Td (Upon the Employee) Tj ET Q q 0 0 0 rg BT 240.26 318.10 Td (s ) Tj ET Q q 0 0 0 rg BT 246.47 318.10 Td (T) Tj ET Q q 0 0 0 rg BT 251.88 318.10 Td (ermination of Employment during the Restriction Period due to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 306.10 Td (Employee) Tj ET Q q 0 0 0 rg BT 92.82 306.10 Td (s death, Disability or Retirement, the restrictions applicable to the Restricted Stock Units shall lapse, and such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 294.10 Td (Restricted Stock Units shall become free of all restrictions and become fully vested.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 270.10 Td (\(iii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 270.10 Td (Upon the Employee) Tj ET Q q 0 0 0 rg BT 240.26 270.10 Td (s ) Tj ET Q q 0 0 0 rg BT 246.47 270.10 Td (T) Tj ET Q q 0 0 0 rg BT 251.88 270.10 Td (ermination of Employment during the Restriction Period by the Company as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 258.10 Td (a result of job elimination or requalification, the Employee shall vest in a number of Restricted Stock Units subject to each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 246.10 Td (tranche that has not vested as of the date of the ) Tj ET Q q 0 0 0 rg BT 238.97 246.10 Td (T) Tj ET Q q 0 0 0 rg BT 244.38 246.10 Td (ermination of Employment equal to the product of \(x\) the number of Restricted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 234.10 Td (Stock Units subject to such tranche that has not vested as of the date of the ) Tj ET Q q 0 0 0 rg BT 350.35 234.10 Td (T) Tj ET Q q 0 0 0 rg BT 355.76 234.10 Td (ermination of Employment and \(y\) a fraction, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 222.10 Td (numerator of which is the number of full and partial months that have lapsed from the Grant Date until the date of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 210.10 Td (T) Tj ET Q q 0 0 0 rg BT 54.91 210.10 Td (ermination of Employment and the denominator of which is the total number of months in the Restriction Period applicable to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 198.10 Td (such tranche. ) Tj ET Q q 0 0 0 rg BT 104.57 198.10 Td (The benefits described this Section 1\(c\)\(iii\) shall also apply upon a ) Tj ET Q q 0 0 0 rg BT 374.60 198.10 Td (T) Tj ET Q q 0 0 0 rg BT 380.01 198.10 Td (ermination of Employment by the Employee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 186.10 Td (for Good Reason if the Company has entered into a separate written agreement with the Employee providing for payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 174.10 Td (upon a ) Tj ET Q q 0 0 0 rg BT 78.76 174.10 Td (T) Tj ET Q q 0 0 0 rg BT 84.17 174.10 Td (ermination of Employment for Good Reason not following a Change in Control, in which case Good Reason shall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 162.10 Td (have the meaning ascribed to it in such agreement; ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 254.71 162.10 Td (pr) Tj ET Q q 0 0 0 rg BT 263.23 162.10 Td (ovided) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.88 162.10 Td (, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 294.88 162.10 Td (that) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.44 162.10 Td (, if the Employee is eligible for Retirement at the time of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 150.10 Td (T) Tj ET Q q 0 0 0 rg BT 54.91 150.10 Td (ermination of Employment by the Employee for Good Reason, the vesting of such Employee) Tj ET Q q 0 0 0 rg BT 430.38 150.10 Td (s Restricted Stock Units shall be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 138.10 Td (governed by Section 1\(c\)\(ii\) above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 114.10 Td (\(iv\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 114.10 Td (For purposes of this ) Tj ET Q q 0 0 0 rg BT 239.17 114.10 Td (Agreement, employment with the Company shall include an of) Tj ET Q q 0 0 0 rg BT 490.87 114.10 Td (fice or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 102.10 Td (employment with the Company) Tj ET Q q 0 0 0 rg BT 175.22 102.10 Td (, its ) Tj ET Q q 0 0 0 rg BT 191.62 102.10 Td (Af) Tj ET Q q 0 0 0 rg BT 201.99 102.10 Td (filiates and their successors. Nothing in this ) Tj ET Q q 0 0 0 rg BT 378.63 102.10 Td (Agreement, the Sub-plan or the Plan shall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 90.10 Td (confer upon the Employee any right to continue in the employment of, or holding an of) Tj ET Q q 0 0 0 rg BT 398.12 90.10 Td (fice with, the Company or any of its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 78.10 Td (Af) Tj ET Q q 0 0 0 rg BT 59.87 78.10 Td (filiates or interfere in any way with the right of the Company or any ) Tj ET Q q 0 0 0 rg BT 333.68 78.10 Td (Af) Tj ET Q q 0 0 0 rg BT 344.06 78.10 Td (filiate to terminate the Employee) Tj ET Q q 0 0 0 rg BT 478.45 78.10 Td (s of) Tj ET Q q 0 0 0 rg BT 492.99 78.10 Td (fice or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 66.10 Td (employment at any time.) Tj ET Q endstream endobj 485 0 obj <> endobj 486 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (2. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 740.7669921875 m 163.2685546875 740.7669921875 l s q 0 0 0 rg BT 85.50 742.10 Td (Settlement of Units) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.27 742.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 718.10 Td (Subject to Section8 \(pertaining to the withholding of taxes\), as soon as practicable after the date on which the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (Restriction Period expires, and in no event later than 30 days after such date, the Company shall deliver to the Employee or his ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (or her personal representative, in book-position or certificate form, one Share that does not bear any restrictive legend making ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.10 Td (reference to this ) Tj ET Q q 0 0 0 rg BT 115.86 682.10 Td (Agreement for each Share subject to the Restricted Stock Unit. Notwithstanding the foregoing, the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td (shall be entitled to hold the Shares issuable upon settlement of Restricted Stock Units that have vested until the Company shall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.10 Td (have received from the Employee a duly executed Form ) Tj ET Q q 0 0 0 rg BT 276.17 658.10 Td (W) Tj ET Q q 0 0 0 rg BT 285.06 658.10 Td (-9 or ) Tj ET Q q 0 0 0 rg BT 306.54 658.10 Td (W) Tj ET Q q 0 0 0 rg BT 315.43 658.10 Td (-8, as applicable.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 637.10 Td (3. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 635.7669921875 m 276.84765625 635.7669921875 l s q 0 0 0 rg BT 85.50 637.10 Td (Nontransferability of the Restricted Stock Units) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.85 637.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 613.10 Td (During the Restriction Period and until such time as the Restricted Stock Units are ultimately settled as provided in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 601.10 Td (Section2 above, the Restricted Stock Units and Shares covered by the Restricted Stock Units shall not be transferable by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 589.10 Td (Employee by means of sale, assignment, exchange, encumbrance, pledge, hedge or otherwise; ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 428.53 589.10 Td (pr) Tj ET Q q 0 0 0 rg BT 437.05 589.10 Td (ovided, however) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.59 589.10 Td (, that nothing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 577.10 Td (in this Section 3 shall prevent transfers by will or by the applicable laws of descent and distribution. ) Tj ET Q q 0 0 0 rg BT 451.36 577.10 Td (Any purported or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 565.10 Td (attempted transfer of such Restricted Stock Units or Shares in contravention of this Section 3 shall be null and void.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 544.10 Td (4. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 542.7669921875 m 179.93603515625 542.7669921875 l s q 0 0 0 rg BT 85.50 544.10 Td (Rights as a Stockholder) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.66 544.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 520.10 Td (During the Restriction Period, the Employee shall not be entitled to any rights of a stockholder with respect to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 508.10 Td (Restricted Stock Units \(including, without limitation, any voting rights\); ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 341.42 508.10 Td (pr) Tj ET Q q 0 0 0 rg BT 349.94 508.10 Td (ovided) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.59 508.10 Td ( that with respect to any dividends paid on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 496.10 Td (Shares underlying the Restricted Stock Units, such dividends will be reinvested into additional Restricted Stock Units, which, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 484.10 Td (as applicable, shall vest and be settled at such time as the underlying Restricted Stock Units vest and are settled.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 463.10 Td (5. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 461.7669921875 m 211.3251953125 461.7669921875 l s q 0 0 0 rg BT 85.50 463.10 Td (Adjustment; Change in Control) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.33 463.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 439.10 Td (In the event of certain transactions during the Restriction Period, the Restricted Stock Units shall be subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 427.10 Td (adjustment as provided in Section3\(d\) of the Plan or any applicable successor provision under the Plan. Notwithstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 415.10 Td (anything in Section 1 to the contrary: \(a\) upon the occurrence of a Change in Control, unless a Replacement ) Tj ET Q q 0 0 0 rg BT 483.26 415.10 Td (A) Tj ET Q q 0 0 0 rg BT 489.56 415.10 Td (ward is granted in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 403.10 Td (respect of the Restricted Stock Units \(in which case this clause \(a\) shall not apply\), the restrictions applicable to the Restricted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 391.10 Td (Stock Units shall lapse and such Restricted Stock Units shall become free of all restrictions and fully vested as of such Change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 379.10 Td (in Control and shall be settled as soon as practicable following the date of such Change in Control \(but not later than 30 days ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 367.10 Td (thereafter\); and \(b\) if a Replacement ) Tj ET Q q 0 0 0 rg BT 197.20 367.10 Td (A) Tj ET Q q 0 0 0 rg BT 203.50 367.10 Td (ward is granted in respect of the Restricted Stock Units in connection with such Change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 355.10 Td (in Control, upon a ) Tj ET Q q 0 0 0 rg BT 124.59 355.10 Td (T) Tj ET Q q 0 0 0 rg BT 130.00 355.10 Td (ermination of Employment of the Employee occurring upon or during the two years immediately following ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 343.10 Td (the date of such Change in Control by reason of death, Disability or Retirement, by the Company without Cause, or by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 331.10 Td (Employee for Good Reason \(as defined in the Plan, except that if the Employee is covered by a separate written plan or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 319.10 Td (agreement providing for payments upon a ) Tj ET Q q 0 0 0 rg BT 219.27 319.10 Td (T) Tj ET Q q 0 0 0 rg BT 224.68 319.10 Td (ermination of Employment for Good Reason within two years following a Change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 307.10 Td (in Control, then as defined in such plan or agreement\), the restrictions applicable to such Replacement ) Tj ET Q q 0 0 0 rg BT 460.49 307.10 Td (A) Tj ET Q q 0 0 0 rg BT 466.79 307.10 Td (ward, to the extent not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 295.10 Td (vested as of such ) Tj ET Q q 0 0 0 rg BT 119.86 295.10 Td (T) Tj ET Q q 0 0 0 rg BT 125.27 295.10 Td (ermination of Employment, shall lapse, and such Replacement ) Tj ET Q q 0 0 0 rg BT 377.42 295.10 Td (A) Tj ET Q q 0 0 0 rg BT 383.73 295.10 Td (ward shall become free of all restrictions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 283.10 Td (and fully vested and shall be settled as soon as practicable following the date of ) Tj ET Q q 0 0 0 rg BT 370.06 283.10 Td (T) Tj ET Q q 0 0 0 rg BT 375.47 283.10 Td (ermination of Employment \(but not later than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 271.10 Td (30 days thereafter\); ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 129.74 271.10 Td (pr) Tj ET Q q 0 0 0 rg BT 138.26 271.10 Td (ovided, however) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.79 271.10 Td (, if the Employee is a citizen of the United States or otherwise subject to US Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 259.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 81.80 259.10 Td (T) Tj ET Q q 0 0 0 rg BT 87.21 259.10 Td (ax in respect of the Restricted Stock Units that any Restricted Stock Units that constitute nonqualified deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 247.10 Td (compensation as defined under Section 409A) Tj ET Q q 0 0 0 rg BT 234.73 247.10 Td ( of the Code shall, to the extent necessary to avoid the imposition of penalty taxes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 235.10 Td (under Section 409A) Tj ET Q q 0 0 0 rg BT 128.93 235.10 Td ( of the Code, not be so settled unless the Change in Control constitutes a change in control event within ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 223.10 Td (the meaning of Section 409A) Tj ET Q q 0 0 0 rg BT 166.15 223.10 Td ( of the Code \(it being understood that nothing in this Section 5 shall preclude the Company from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 211.10 Td (settling upon a Change in Control any Restricted Stock Units that are not replaced by a Replacement ) Tj ET Q q 0 0 0 rg BT 454.12 211.10 Td (A) Tj ET Q q 0 0 0 rg BT 460.42 211.10 Td (ward, to the extent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 199.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.09 199.10 Td (fectuated in accordance with ) Tj ET Q q 0 0 0 rg BT 174.07 199.10 Td (T) Tj ET Q q 0 0 0 rg BT 179.82 199.10 Td (reasury Reg. 1.409A-3\(j\)\(ix\) if the Employee is a citizen of the United States or otherwise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 187.10 Td (subject to US Federal Income ) Tj ET Q q 0 0 0 rg BT 170.68 187.10 Td (T) Tj ET Q q 0 0 0 rg BT 176.09 187.10 Td (ax in respect of the Restricted Stock Units\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.10 Td (6. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 164.76699218750002 m 298.4638671875 164.76699218750002 l s q 0 0 0 rg BT 85.50 166.10 Td (Payment of ) Tj ET Q q 0 0 0 rg BT 133.64 166.10 Td (T) Tj ET Q q 0 0 0 rg BT 139.40 166.10 Td (ransfer ) Tj ET Q q 0 0 0 rg BT 169.48 166.10 Td (T) Tj ET Q q 0 0 0 rg BT 174.89 166.10 Td (axes, Fees and Other Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.46 166.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 142.10 Td (The Company agrees to pay any and all original issue taxes and stock transfer taxes that may be imposed on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 130.10 Td (issuance of shares received by an Employee in connection with the Restricted Stock Units, together with any and all other fees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 118.10 Td (and expenses necessarily incurred by the Company in connection therewith.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 97.10 Td (7. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 95.76699218750002 m 158.5419921875 95.76699218750002 l s q 0 0 0 rg BT 85.50 97.10 Td (Other Restrictions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.54 97.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 73.10 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 73.10 Td (The Restricted Stock Units shall be subject to the requirement that, if at any time the Committee shall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 61.10 Td (determine that \(i\)the listing, registration or qualification of the Shares subject or related thereto upon any securities exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 49.10 Td (or under any state or federal law is required, or \(ii\)the consent or approval of any government regulatory body is required, then ) Tj ET Q endstream endobj 487 0 obj <> endobj 488 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (in any such event, the grant of Restricted Stock Units shall not be ef) Tj ET Q q 0 0 0 rg BT 321.48 742.10 Td (fective unless such listing, registration, qualification, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (consent or approval shall have been ef) Tj ET Q q 0 0 0 rg BT 202.59 730.10 Td (fected or obtained free of any conditions not acceptable to the Committee.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 706.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 706.10 Td (If the Employee is an insider as described under the Company) Tj ET Q q 0 0 0 rg BT 372.54 706.10 Td (s Insider ) Tj ET Q q 0 0 0 rg BT 409.02 706.10 Td (T) Tj ET Q q 0 0 0 rg BT 414.78 706.10 Td (rading Policy \(as in ef) Tj ET Q q 0 0 0 rg BT 502.91 706.10 Td (fect from time ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (to time and any successor policies\), the Employee shall be required to obtain pre-clearance from the General Counsel or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.10 Td (Securities Counsel of the Company prior to purchasing or selling any of the Company) Tj ET Q q 0 0 0 rg BT 396.38 682.10 Td (s securities, including any shares issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td (upon vesting of the Restricted Stock Units, and may be prohibited from selling such securities other than during an open trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.10 Td (window) Tj ET Q q 0 0 0 rg BT 81.07 658.10 Td (. ) Tj ET Q q 0 0 0 rg BT 85.89 658.10 Td (The Employee further acknowledges that, in its discretion, the Company may prohibit the Employee from selling such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.10 Td (securities even during an open trading window if the Company has concerns over the potential for insider trading.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.10 Td (8. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 620.7669921875 m 178.087890625 620.7669921875 l s q 0 0 0 rg BT 85.50 622.10 Td (T) Tj ET Q q 0 0 0 rg BT 90.91 622.10 Td (axes and ) Tj ET Q q 0 0 0 rg BT 127.94 622.10 Td (W) Tj ET Q q 0 0 0 rg BT 136.97 622.10 Td (ithholding) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.09 622.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 598.10 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 598.10 Td (The Employee irrevocably undertakes to:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 574.10 Td (\(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 574.10 Td (pay to the Company) Tj ET Q q 0 0 0 rg BT 237.67 574.10 Td (, his employer or former employer \(as appropriate\) the amount of any ) Tj ET Q q 0 0 0 rg BT 518.23 574.10 Td (T) Tj ET Q q 0 0 0 rg BT 523.64 574.10 Td (ax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 562.10 Td (Liability; or) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 538.10 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 538.10 Td (enter into arrangements to the satisfaction of the Company) Tj ET Q q 0 0 0 rg BT 391.23 538.10 Td (, his employer or former employer \(as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 526.10 Td (appropriate\) for payment of any ) Tj ET Q q 0 0 0 rg BT 215.54 526.10 Td (T) Tj ET Q q 0 0 0 rg BT 220.95 526.10 Td (ax Liability) Tj ET Q q 0 0 0 rg BT 266.68 526.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 502.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 502.10 Td (The Employee irrevocably undertakes that, at the request of the Company) Tj ET Q q 0 0 0 rg BT 416.03 502.10 Td (, his employer or former employer) Tj ET Q q 0 0 0 rg BT 553.36 502.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.10 Td (he shall join that person in making a valid election to transfer to the Employee the whole or any part of the liability for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 478.10 Td (employer national insurance contributions \(or any similar liability for social security contribution in any jurisdiction\) which:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 454.10 Td (\(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 454.10 Td (the Company or any employer \(or former employer\) of his may become liable to pay as a result of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 442.10 Td (any ) Tj ET Q q 0 0 0 rg BT 102.26 442.10 Td (T) Tj ET Q q 0 0 0 rg BT 107.67 442.10 Td (axable Event; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 418.10 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 418.10 Td (may be lawfully transferred from the Company or any employer \(or former employer\) to him.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 394.10 Td (\(c\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 394.10 Td (If required to do so by the Company) Tj ET Q q 0 0 0 rg BT 266.10 394.10 Td (, the Employee irrevocably undertakes, in relation to any Shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.10 Td (delivered to him pursuant to Section 2, to enter into a joint election under section 431\(1\) or section 431\(2\) of the Income ) Tj ET Q q 0 0 0 rg BT 533.91 382.10 Td (T) Tj ET Q q 0 0 0 rg BT 539.32 382.10 Td (ax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.10 Td (\(Earnings and Pensions\) ) Tj ET Q q 0 0 0 rg BT 148.66 370.10 Td (Act 2003 of the United Kingdom before the date falling 14 days after he acquires the relevant Shares. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 358.10 Td (The Employee hereby appoints the Company \(acting by any of its directors or of) Tj ET Q q 0 0 0 rg BT 371.73 358.10 Td (ficers from time to time\) as his agent to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 346.10 Td (execute any joint election required to be entered into under this Section in his name and on his behalf.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 322.10 Td (\(d\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 322.10 Td (The obligations of the Company under this ) Tj ET Q q 0 0 0 rg BT 295.09 322.10 Td (Agreement shall be conditioned on compliance by the Employee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.10 Td (with this Section 8, and the Company shall not deliver Shares in respect of the Restricted Stock Units unless and until the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 298.10 Td (Employee has made arrangements satisfactory to the Committee to satisfy his or her obligations under this clause. Unless the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 286.10 Td (Employee pays the ) Tj ET Q q 0 0 0 rg BT 127.91 286.10 Td (T) Tj ET Q q 0 0 0 rg BT 133.32 286.10 Td (ax Liability to the Company) Tj ET Q q 0 0 0 rg BT 245.43 286.10 Td (, employer or former employer by cash or cheque, withholding may be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 274.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.09 274.10 Td (fected, at the Company) Tj ET Q q 0 0 0 rg BT 152.61 274.10 Td (s option, by withholding Shares issuable in connection with the Restricted Stock Units \(provided that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 262.10 Td (the Shares may be withheld only to the extent that such withholding will not result in adverse accounting treatment for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 250.10 Td (Company\). ) Tj ET Q q 0 0 0 rg BT 96.54 250.10 Td (The Employee acknowledges that the Company) Tj ET Q q 0 0 0 rg BT 287.22 250.10 Td (, the employer and any former employer have the right to deduct ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.10 Td (any taxes required to be withheld by law in connection with the Restricted Stock Units from any amounts payable by it to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 226.10 Td (Employee \(including, without limitation, future cash wages\). ) Tj ET Q q 0 0 0 rg BT 295.37 226.10 Td (The Employee) Tj ET Q q 0 0 0 rg BT 356.74 226.10 Td (s obligations under Section 8\(a\) shall not be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 214.10 Td (af) Tj ET Q q 0 0 0 rg BT 57.09 214.10 Td (fected by any failure of the Company or employer or former employer to withhold shares or deduct from payments of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.10 Td (remuneration under this Section 8\(d\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 178.10 Td (\(e\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 178.10 Td (In this Section 8 references to employer and former employer include a company of which the Employee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.10 Td (is a director or other of) Tj ET Q q 0 0 0 rg BT 141.23 166.10 Td (ficer \(or any company of which the Employee was formerly a director or other of) Tj ET Q q 0 0 0 rg BT 465.92 166.10 Td (ficer\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 142.10 Td (9. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 140.76699218750002 m 304.34765625 140.76699218750002 l s q 0 0 0 rg BT 85.50 142.10 Td (Confidentiality; Non-Solicitation; Non-Disparagement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.35 142.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 118.10 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 118.10 Td (The Employee acknowledges that during the course of employment or engagement with the Company and its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 106.10 Td (Af) Tj ET Q q 0 0 0 rg BT 59.87 106.10 Td (filiates the Employee has received and will continue to have access and exposure to secret and proprietary information, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 94.10 Td (including but not limited to information about the Company) Tj ET Q q 0 0 0 rg BT 292.25 94.10 Td (s and its ) Tj ET Q q 0 0 0 rg BT 326.98 94.10 Td (Af) Tj ET Q q 0 0 0 rg BT 337.35 94.10 Td (filiates) Tj ET Q q 0 0 0 rg BT 367.15 94.10 Td ( business, business practices and processes, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 82.10 Td (customers, and prospective customers, the value of which is derived in part from the fact that the information is not generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 70.10 Td (known to the public \(Confidential Information\). ) Tj ET Q q 0 0 0 rg BT 252.32 70.10 Td (The Employee acknowledges that the Company and its ) Tj ET Q q 0 0 0 rg BT 474.49 70.10 Td (Af) Tj ET Q q 0 0 0 rg BT 484.86 70.10 Td (filiates have spent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 58.10 Td (significant time, ef) Tj ET Q q 0 0 0 rg BT 124.57 58.10 Td (fort and resources protecting the Confidential Information and that the Confidential Information is of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 46.10 Td (significant competitive value to the Company and its ) Tj ET Q q 0 0 0 rg BT 262.79 46.10 Td (Af) Tj ET Q q 0 0 0 rg BT 273.16 46.10 Td (filiates in the industries in which they compete, and that the use or ) Tj ET Q endstream endobj 489 0 obj <> endobj 490 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (disclosure, even if inadvertent, of the Confidential Information for the benefit of a competitor would cause significant damage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (to the legitimate business interests of the Company) Tj ET Q q 0 0 0 rg BT 252.98 730.10 Td (. ) Tj ET Q q 0 0 0 rg BT 257.43 730.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 306.77 730.10 Td (, in order to protect the legitimate business and customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (goodwill interests of the Company and its ) Tj ET Q q 0 0 0 rg BT 218.65 718.10 Td (Af) Tj ET Q q 0 0 0 rg BT 229.02 718.10 Td (filiates, to protect the Confidential Information against inappropriate use or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (disclosure, and in consideration of the grant of and the opportunity to vest in the Restricted Stock Units in accordance with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (provisions of this ) Tj ET Q q 0 0 0 rg BT 120.90 694.10 Td (Agreement, the Employee hereby covenants and agrees to comply with the confidentiality) Tj ET Q q 0 0 0 rg BT 480.68 694.10 Td (, non-solicitation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.10 Td (and non-disparagement provisions set forth in this Section 9\(a\) \(collectively) Tj ET Q q 0 0 0 rg BT 352.94 682.10 Td (, the RSU Restrictions\). Except to the extent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td (expressly provided otherwise below) Tj ET Q q 0 0 0 rg BT 192.98 670.10 Td (, the Employee agrees to comply with the RSU Restrictions for the period commencing on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.10 Td (the Grant Date and extending through the date that is 12 months following the Employee) Tj ET Q q 0 0 0 rg BT 407.75 658.10 Td (s ) Tj ET Q q 0 0 0 rg BT 413.96 658.10 Td (T) Tj ET Q q 0 0 0 rg BT 419.37 658.10 Td (ermination of Employment for any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.10 Td (reason \(such period, the RSU Restricted Period\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 622.10 Td (\(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 622.10 Td (The Employee will use Confidential Information gained during employment or engagement with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td (Company or any ) Tj ET Q q 0 0 0 rg BT 118.10 610.10 Td (Af) Tj ET Q q 0 0 0 rg BT 128.47 610.10 Td (filiate for the benefit of the Company only and, without the prior written consent of the Company) Tj ET Q q 0 0 0 rg BT 517.45 610.10 Td (, shall not, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.10 Td (at any time during the RSU Restricted Period or thereafter) Tj ET Q q 0 0 0 rg BT 282.09 598.10 Td (, directly or indirectly) Tj ET Q q 0 0 0 rg BT 368.63 598.10 Td (, divulge, reveal or communicate any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.10 Td (Confidential Information to any person or entity whatsoever) Tj ET Q q 0 0 0 rg BT 289.87 586.10 Td (, or use any Confidential Information for the Employee) Tj ET Q q 0 0 0 rg BT 513.42 586.10 Td (s own ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.10 Td (benefit or for the benefit of others, other than as required by law or legal process. For purposes of the foregoing, Confidential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.10 Td (Information shall not include information that becomes generally available to the public, other than as a result of disclosure by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.10 Td (the Employee.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 526.10 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 526.10 Td (The Employee shall not, at any time during the RSU Restricted Period, without the prior written ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.10 Td (consent of the Company) Tj ET Q q 0 0 0 rg BT 146.33 514.10 Td (, directly or indirectly) Tj ET Q q 0 0 0 rg BT 232.87 514.10 Td (, either for the Employee) Tj ET Q q 0 0 0 rg BT 335.33 514.10 Td (s own benefit or purpose or for the benefit or purpose of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.10 Td (any other person or entity) Tj ET Q q 0 0 0 rg BT 151.60 502.10 Td (, solicit, assist, or induce any Covered Employee to terminate his or her relationship with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.10 Td (Company or its ) Tj ET Q q 0 0 0 rg BT 113.11 490.10 Td (Af) Tj ET Q q 0 0 0 rg BT 123.48 490.10 Td (filiates \(regardless of who first initiates the communication\), or help another person or entity evaluate any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 478.10 Td (Covered Employee as an employment candidate, or employ) Tj ET Q q 0 0 0 rg BT 287.66 478.10 Td (, or of) Tj ET Q q 0 0 0 rg BT 311.64 478.10 Td (fer to employ) Tj ET Q q 0 0 0 rg BT 364.87 478.10 Td (, call on, or actively interfere with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.10 Td (Company) Tj ET Q q 0 0 0 rg BT 91.17 466.10 Td (s or any ) Tj ET Q q 0 0 0 rg BT 124.77 466.10 Td (Af) Tj ET Q q 0 0 0 rg BT 135.14 466.10 Td (filiate) Tj ET Q q 0 0 0 rg BT 161.24 466.10 Td (s relationship with any Covered Employee, provided that this paragraph shall not prohibit general ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 454.10 Td (solicitations in the form of classified advertisements or the like in newspapers, on the internet, or in other media. For purposes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 442.10 Td (of this ) Tj ET Q q 0 0 0 rg BT 76.73 442.10 Td (Agreement, Covered Employee means an individual who is an employee, representative, or of) Tj ET Q q 0 0 0 rg BT 462.24 442.10 Td (ficer of the Company or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.10 Td (any ) Tj ET Q q 0 0 0 rg BT 65.89 430.10 Td (Af) Tj ET Q q 0 0 0 rg BT 76.26 430.10 Td (filiate at the time of the solicitation, assistance or inducement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 406.10 Td (\(iii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 406.10 Td (The Employee shall not, at any time during the RSU Restricted Period, without the prior written ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.10 Td (consent of the Company) Tj ET Q q 0 0 0 rg BT 146.33 394.10 Td (, directly or indirectly) Tj ET Q q 0 0 0 rg BT 232.87 394.10 Td (, either for the Employee) Tj ET Q q 0 0 0 rg BT 335.33 394.10 Td (s own benefit or purpose or for the benefit or purpose of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.10 Td (any other person or entity) Tj ET Q q 0 0 0 rg BT 151.60 382.10 Td (, solicit or accept any business from any customers of the Company or any ) Tj ET Q q 0 0 0 rg BT 451.81 382.10 Td (Af) Tj ET Q q 0 0 0 rg BT 462.18 382.10 Td (filiate, or any broker ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.10 Td (with regard to customers of the Company or any ) Tj ET Q q 0 0 0 rg BT 245.29 370.10 Td (Af) Tj ET Q q 0 0 0 rg BT 255.66 370.10 Td (filiate \(regardless of who first initiates the communication\), whom the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 358.10 Td (Employee serviced, solicited or had contact with while employed or engaged by the Company or any ) Tj ET Q q 0 0 0 rg BT 455.77 358.10 Td (Af) Tj ET Q q 0 0 0 rg BT 466.15 358.10 Td (filiate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 334.10 Td (\(iv\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 334.10 Td (The Employee shall not, at any time during the RSU Restricted Period, directly or indirectly) Tj ET Q q 0 0 0 rg BT 525.65 334.10 Td (, make ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 322.10 Td (any statement, oral or written, public or in private, which is reasonably foreseeable as harming the Company) Tj ET Q q 0 0 0 rg BT 486.31 322.10 Td (s or any ) Tj ET Q q 0 0 0 rg BT 519.92 322.10 Td (Af) Tj ET Q q 0 0 0 rg BT 530.29 322.10 Td (filiate) Tj ET Q q 0 0 0 rg BT 556.39 322.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.10 Td (business interests or impacts negatively on the Company) Tj ET Q q 0 0 0 rg BT 279.18 310.10 Td (s or any ) Tj ET Q q 0 0 0 rg BT 312.79 310.10 Td (Af) Tj ET Q q 0 0 0 rg BT 323.16 310.10 Td (filiate) Tj ET Q q 0 0 0 rg BT 349.26 310.10 Td (s business reputation or reputation in the community) Tj ET Q q 0 0 0 rg BT 558.86 310.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 298.10 Td (Nothing in this paragraph will be construed to prevent the Employee from communicating with or responding to a request for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 286.10 Td (information from a federal, state, administrative agency or court.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 262.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 262.10 Td (Any termination of the Employee) Tj ET Q q 0 0 0 rg BT 258.69 262.10 Td (s employment or the termination or expiration of this ) Tj ET Q q 0 0 0 rg BT 472.81 262.10 Td (Agreement shall have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 250.10 Td (no ef) Tj ET Q q 0 0 0 rg BT 69.59 250.10 Td (fect on the continuing operation of this Section 9.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 226.10 Td (\(c\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 226.10 Td (The terms and provisions of this Section 9 are intended to be separate and divisible provisions and if, for any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 214.10 Td (reason, any one or more of them is held to be invalid or unenforceable, neither the validity nor the enforceability of any other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.10 Td (provision of this ) Tj ET Q q 0 0 0 rg BT 117.00 202.10 Td (Agreement shall thereby be af) Tj ET Q q 0 0 0 rg BT 237.33 202.10 Td (fected. If for any reason any court of competent jurisdiction shall find any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 190.10 Td (provisions of this Section 9 unreasonable in duration or geographic scope or otherwise, the Employee and the Company agree ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.10 Td (that the restrictions and prohibitions contained herein shall be ef) Tj ET Q q 0 0 0 rg BT 306.19 178.10 Td (fective to the fullest extent allowed under applicable law in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.10 Td (such jurisdiction.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 142.10 Td (\(d\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 142.10 Td (The Employee acknowledges and agrees that any breach or threatened breach of the RSU Restrictions will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 130.10 Td (result in substantial, continuing and irreparable injury to the Company and/or its ) Tj ET Q q 0 0 0 rg BT 372.49 130.10 Td (Af) Tj ET Q q 0 0 0 rg BT 382.86 130.10 Td (filiates. ) Tj ET Q q 0 0 0 rg BT 414.90 130.10 Td (Therefore, in addition to any other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 118.10 Td (remedy that may be available to the Company and/or its ) Tj ET Q q 0 0 0 rg BT 275.55 118.10 Td (Af) Tj ET Q q 0 0 0 rg BT 285.92 118.10 Td (filiates, the Company and/or its ) Tj ET Q q 0 0 0 rg BT 413.68 118.10 Td (Af) Tj ET Q q 0 0 0 rg BT 424.05 118.10 Td (filiates shall be entitled to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 106.10 Td (equitable and/or injunctive relief to prevent any breach or threatened breach of such provisions, and to specific performance of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 94.10 Td (each of the terms thereof in addition to any other legal or equitable remedies that the Company or any ) Tj ET Q q 0 0 0 rg BT 458.53 94.10 Td (Af) Tj ET Q q 0 0 0 rg BT 468.90 94.10 Td (filiate may have.) Tj ET Q endstream endobj 491 0 obj <> endobj 492 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (10. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 740.7669921875 m 195.1826171875 740.7669921875 l s q 0 0 0 rg BT 85.50 742.10 Td (Privacy and data protection) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 718.10 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 718.10 Td (The Employee consents to the Company) Tj ET Q q 0 0 0 rg BT 282.76 718.10 Td (, Subsidiaries and ) Tj ET Q q 0 0 0 rg BT 355.53 718.10 Td (Af) Tj ET Q q 0 0 0 rg BT 365.90 718.10 Td (filiates holding and processing information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (about the Employee for legal, personnel, administrative and management purposes and, in particular) Tj ET Q q 0 0 0 rg BT 450.36 706.10 Td (, holding and processing: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (\(i\) health records and any medical reports to monitor sick leave and sick pay) Tj ET Q q 0 0 0 rg BT 354.58 694.10 Td (, to administer benefits and take decisions as to his ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.10 Td (fitness to work or the need for adjustments in the workplace; \(ii\) information required to carry out performance reviews, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td (disciplinary and grievance procedures, internal investigations and considering reports \(which may be submitted anonymously\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.10 Td (under any whistle-blowing procedure; \(iii\) any information relating to criminal proceedings in which he has been involved; and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.10 Td (\(iv\) to comply with legal requirements and obligations to third parties \(Personal Data\). ) Tj ET Q q 0 0 0 rg BT 407.00 646.10 Td (The Employee agree that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.10 Td (Company may make the Personal Data available to Subsidiaries and ) Tj ET Q q 0 0 0 rg BT 324.43 634.10 Td (Af) Tj ET Q q 0 0 0 rg BT 334.80 634.10 Td (filiates, those who provide products or services to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.10 Td (Company) Tj ET Q q 0 0 0 rg BT 87.74 622.10 Td (, Subsidiaries and ) Tj ET Q q 0 0 0 rg BT 160.51 622.10 Td (Af) Tj ET Q q 0 0 0 rg BT 170.88 622.10 Td (filiates \(such as advisers and payroll administrators\), regulatory authorities, potential or future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td (employers, governmental or quasi-governmental or) Tj ET Q q 0 0 0 rg BT 254.53 610.10 Td (ganisations, current or potential investors and potential purchasers of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.10 Td (Company) Tj ET Q q 0 0 0 rg BT 87.74 598.10 Td (, Subsidiaries, ) Tj ET Q q 0 0 0 rg BT 146.07 598.10 Td (Af) Tj ET Q q 0 0 0 rg BT 156.44 598.10 Td (filiates or the business in which the Employee works.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 574.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 574.10 Td (The Employee consents to the transfer of Personal Data to the Company and to any Subsidiary or ) Tj ET Q q 0 0 0 rg BT 512.80 574.10 Td (Af) Tj ET Q q 0 0 0 rg BT 523.17 574.10 Td (filiate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.10 Td (established outside the European Economic ) Tj ET Q q 0 0 0 rg BT 225.84 562.10 Td (Area, and in particular to the United States. ) Tj ET Q q 0 0 0 rg BT 401.72 562.10 Td (The Employee acknowledges that these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.10 Td (countries may not have laws in place to adequately protect his privacy) Tj ET Q q 0 0 0 rg BT 329.59 550.10 Td (. ) Tj ET Q q 0 0 0 rg BT 334.41 550.10 Td (The Employee confirms that he understands that all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.10 Td (communications \(whether by telephone, email or any other means\) which are transmitted, undertaken or received using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.10 Td (property of the Company or any Subsidiary or ) Tj ET Q q 0 0 0 rg BT 236.14 526.10 Td (Af) Tj ET Q q 0 0 0 rg BT 246.51 526.10 Td (filiate or on the premises of the Company or any Subsidiary or ) Tj ET Q q 0 0 0 rg BT 498.68 526.10 Td (Af) Tj ET Q q 0 0 0 rg BT 509.05 526.10 Td (filiate will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.10 Td (be treated as work related and are subject to occasional interception, recording and monitoring without further notice. ) Tj ET Q q 0 0 0 rg BT 521.65 514.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.10 Td (Employee confirms that he does not regard any such communications as private and consents to such interception, recording ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.10 Td (and monitoring. Interception, recording and monitoring of communications is intended to protect the business interests of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 478.10 Td (Company and its Subsidiaries and ) Tj ET Q q 0 0 0 rg BT 187.55 478.10 Td (Af) Tj ET Q q 0 0 0 rg BT 197.92 478.10 Td (filiates \(for example, but without limitation, for the purposes of quality control, security of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.10 Td (communication and IT) Tj ET Q q 0 0 0 rg BT 140.40 466.10 Td ( systems, record-keeping and evidential requirements, detection and prevention of criminal activity or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 454.10 Td (misconduct and to assist the Company and its Subsidiaries and ) Tj ET Q q 0 0 0 rg BT 302.25 454.10 Td (Af) Tj ET Q q 0 0 0 rg BT 312.63 454.10 Td (filiates to comply with relevant legal requirements\). ) Tj ET Q q 0 0 0 rg BT 524.88 454.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 442.10 Td (Employee acknowledges that intercepted communications may be used as evidence in any disciplinary or legal proceedings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.10 Td (THE EMPLOYEE CONFIRMS ) Tj ET Q q 0 0 0 rg BT 180.72 418.10 Td (THA) Tj ET Q q 0 0 0 rg BT 200.16 418.10 Td (T) Tj ET Q q 0 0 0 rg BT 206.09 418.10 Td ( HE HAS READ, UNDERST) Tj ET Q q 0 0 0 rg BT 325.08 418.10 Td (OOD ) Tj ET Q q 0 0 0 rg BT 348.69 418.10 Td (AND ) Tj ET Q q 0 0 0 rg BT 372.30 418.10 Td (AGREED ) Tj ET Q q 0 0 0 rg BT 415.17 418.10 Td (T) Tj ET Q q 0 0 0 rg BT 421.10 418.10 Td (O ) Tj ET Q q 0 0 0 rg BT 430.64 418.10 Td (THE PROVISIONS OF ) Tj ET Q q 0 0 0 rg BT 529.08 418.10 Td (THIS ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 406.10 Td (SECTION 10 OF HIS OWN FREE ) Tj ET Q q 0 0 0 rg BT 193.77 406.10 Td (WILL.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 385.10 Td (1) Tj ET Q q 0 0 0 rg BT 54.13 385.10 Td (1. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 383.7669921875 m 116.046875 383.7669921875 l s q 0 0 0 rg BT 85.50 385.10 Td (Notices) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.05 385.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 361.10 Td (All notices and other communications under this ) Tj ET Q q 0 0 0 rg BT 281.85 361.10 Td (Agreement shall be in writing and shall be given by hand delivery to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 349.10 Td (the other party or by facsimile, courier) Tj ET Q q 0 0 0 rg BT 203.21 349.10 Td (, or registered airmail \(postage prepaid\) addressed as follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 328.10 Td (If to the Employee: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 307.10 Td (At the most recent address on file at the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 286.10 Td (If to the Company: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 265.10 Td (Unum Group ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 253.10 Td (1 Fountain Square ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 241.10 Td (Chattanooga, ) Tj ET Q q 0 0 0 rg BT 158.86 241.10 Td (T) Tj ET Q q 0 0 0 rg BT 164.27 241.10 Td (ennessee 37402 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 229.10 Td (Attention: Executive Compensation, Human Resources ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 208.10 Td (or to such other address or facsimile number as any party shall have furnished to the other in writing in accordance with this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 196.10 Td (Section1) Tj ET Q q 0 0 0 rg BT 86.62 196.10 Td (1. Notices and communications shall be ef) Tj ET Q q 0 0 0 rg BT 256.12 196.10 Td (fective when actually received by the addressee. Notwithstanding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 184.10 Td (foregoing, the Employee consents to electronic delivery of documents required to be delivered by the Company under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 172.10 Td (securities laws.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 151.10 Td (12. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 149.76699218750002 m 166.9453125 149.76699218750002 l s q 0 0 0 rg BT 85.50 151.10 Td (Ef) Tj ET Q q 0 0 0 rg BT 94.76 151.10 Td (fect of ) Tj ET Q q 0 0 0 rg BT 122.52 151.10 Td (Agreement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.95 151.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 127.10 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 127.10 Td (This ) Tj ET Q q 0 0 0 rg BT 141.23 127.10 Td (Agreement is personal to the Employee and, without the prior written consent of the Company) Tj ET Q q 0 0 0 rg BT 518.54 127.10 Td (, shall not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 115.10 Td (be assignable by the Employee otherwise than by will or the laws of descent and distribution. ) Tj ET Q q 0 0 0 rg BT 425.07 115.10 Td (This ) Tj ET Q q 0 0 0 rg BT 444.79 115.10 Td (Agreement shall inure to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 103.10 Td (benefit of and be enforceable by the Employee) Tj ET Q q 0 0 0 rg BT 239.14 103.10 Td (s legal representatives. ) Tj ET Q q 0 0 0 rg BT 332.25 103.10 Td (This ) Tj ET Q q 0 0 0 rg BT 351.98 103.10 Td (Agreement shall inure to the benefit of and be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 91.10 Td (binding upon the Company and its successors and assigns.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 67.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 67.10 Td (A) Tj ET Q q 0 0 0 rg BT 128.17 67.10 Td ( person who is not a party to this ) Tj ET Q q 0 0 0 rg BT 260.66 67.10 Td (Agreement shall not have any rights under or in connection with it, except ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 55.10 Td (where such rights arise as a result of this ) Tj ET Q q 0 0 0 rg BT 213.63 55.10 Td (Agreement for the Company or any employer or former employer of the Employee. ) Tj ET Q endstream endobj 493 0 obj <> endobj 494 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (The rights of the Employee to surrender) Tj ET Q q 0 0 0 rg BT 209.05 742.10 Td (, terminate or rescind this ) Tj ET Q q 0 0 0 rg BT 312.91 742.10 Td (Agreement, or agree any variation, waiver or settlement of it, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (are not subject to the consent of any other person.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (13. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 704.7669921875 m 314.923828125 704.7669921875 l s q 0 0 0 rg BT 85.50 706.10 Td (Laws ) Tj ET Q q 0 0 0 rg BT 109.11 706.10 Td (Applicable to Construction; Consent to Jurisdiction) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.92 706.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 682.10 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 682.10 Td (The interpretation, performance and enforcement of this ) Tj ET Q q 0 0 0 rg BT 348.07 682.10 Td (Agreement \(including non-contractual disputes or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td (claims\) shall be governed and construed by the laws of the State of Delaware without reference to principles of conflict of laws, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.10 Td (as applied to contracts executed in and performed wholly within the State of Delaware. ) Tj ET Q q 0 0 0 rg BT 402.53 658.10 Td (The parties agree that the courts of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.10 Td (State of Delaware shall have non-exclusive jurisdiction to settle any dispute or claim arising out of or in connection with this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.10 Td (deed or its subject matter or formation \(including non-contractual disputes or claims\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 610.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 610.10 Td (The Parties irrevocably consent to any process in any legal action or proceedings under this Section 13 being ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.10 Td (served on it in accordance with the provisions of this ) Tj ET Q q 0 0 0 rg BT 262.79 598.10 Td (Agreement relating to service of notices. Nothing contained in this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.10 Td (Agreement shall af) Tj ET Q q 0 0 0 rg BT 125.40 586.10 Td (fect the right to serve process in any other manner permitted by law) Tj ET Q q 0 0 0 rg BT 395.21 586.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 562.10 Td (\(c\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 562.10 Td (In addition to the terms and conditions set forth in this ) Tj ET Q q 0 0 0 rg BT 340.64 562.10 Td (Agreement, the Restricted Stock Units are subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.10 Td (the terms and conditions of the Plan and the Sub-plan, which are hereby incorporated by reference.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.10 Td (14. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 524.7669921875 m 133.49560546875 524.7669921875 l s q 0 0 0 rg BT 85.50 526.10 Td (Severability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.17 526.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 502.10 Td (The invalidity or enforceability of any provision of this ) Tj ET Q q 0 0 0 rg BT 308.51 502.10 Td (Agreement shall not af) Tj ET Q q 0 0 0 rg BT 399.68 502.10 Td (fect the validity or enforceability of any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.10 Td (other provision of this ) Tj ET Q q 0 0 0 rg BT 140.05 490.10 Td (Agreement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 469.10 Td (15. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 467.7669921875 m 196.0224609375 467.7669921875 l s q 0 0 0 rg BT 85.50 469.10 Td (Conflicts and Interpretation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.02 469.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 445.10 Td (In the event of any conflict between this ) Tj ET Q q 0 0 0 rg BT 248.22 445.10 Td (Agreement, the Plan or the Sub-plan, the Sub-plan shall control. In the event ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 433.10 Td (of any ambiguity in this ) Tj ET Q q 0 0 0 rg BT 147.00 433.10 Td (Agreement, or any matters as to which this ) Tj ET Q q 0 0 0 rg BT 320.56 433.10 Td (Agreement is silent, the Sub-plan shall govern including, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 421.10 Td (without limitation, the provisions thereof pursuant to which the Committee has the power) Tj ET Q q 0 0 0 rg BT 407.09 421.10 Td (, among others, to \(a\) interpret the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 409.10 Td (Plan, \(b\) prescribe, amend and rescind rules and regulations relating to the Plan and Sub-plan, and \(c\) make all other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 397.10 Td (determinations deemed necessary or advisable for the administration of the Plan and Sub-plan. ) Tj ET Q q 0 0 0 rg BT 430.32 397.10 Td (The Employee hereby ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 385.10 Td (acknowledges that a copy of the Plan and the Sub-plan has been made available to him and agrees to be bound by all the terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 373.10 Td (and provisions thereof. ) Tj ET Q q 0 0 0 rg BT 143.74 373.10 Td (The Employee and the Company each acknowledge that this ) Tj ET Q q 0 0 0 rg BT 387.83 373.10 Td (Agreement \(together with the Plan and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 361.10 Td (Sub-plan\) constitutes the entire agreement and supersedes all other agreements and understandings, both written and oral, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 349.10 Td (between the parties or either of them, with respect to the subject matter hereof.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 328.10 Td (16. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 326.7669921875 m 134.93359375 326.7669921875 l s q 0 0 0 rg BT 85.50 328.10 Td (Amendment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.93 328.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 304.10 Td (The Company may modify) Tj ET Q q 0 0 0 rg BT 192.89 304.10 Td (, amend or waive the terms of the Restricted Stock Unit award, prospectively or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 292.10 Td (retroactively) Tj ET Q q 0 0 0 rg BT 99.38 292.10 Td (, but no such modification, amendment or waiver shall materially impair the rights of the Employee without his or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 280.10 Td (her consent, except as required by applicable law) Tj ET Q q 0 0 0 rg BT 245.43 280.10 Td (, stock exchange rules, tax rules or accounting rules. ) Tj ET Q q 0 0 0 rg BT 456.85 280.10 Td (The waiver by either ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 268.10 Td (party of compliance with any provision of this ) Tj ET Q q 0 0 0 rg BT 236.69 268.10 Td (Agreement shall not operate or be construed as a waiver of any other provision ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 256.10 Td (of this ) Tj ET Q q 0 0 0 rg BT 76.73 256.10 Td (Agreement, or of any subsequent breach by such party of a provision of this ) Tj ET Q q 0 0 0 rg BT 382.48 256.10 Td (Agreement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 235.10 Td (17. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 233.76699218750002 m 140.216796875 233.76699218750002 l s q 0 0 0 rg BT 85.50 235.10 Td (Section409A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.22 235.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 211.10 Td (It is the intention of the Company that the Restricted Stock Units awarded to an Employee who is a citizen of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 199.10 Td (United States of ) Tj ET Q q 0 0 0 rg BT 115.88 199.10 Td (America or otherwise subject to United States Federal Income ) Tj ET Q q 0 0 0 rg BT 367.01 199.10 Td (T) Tj ET Q q 0 0 0 rg BT 372.42 199.10 Td (ax shall either \(a\) not constitute nonqualified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 187.10 Td (deferred compensation as defined under Section 409A) Tj ET Q q 0 0 0 rg BT 270.54 187.10 Td ( of the Code, or \(b\) comply in all respects with the requirements of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 175.10 Td (Section 409A) Tj ET Q q 0 0 0 rg BT 103.67 175.10 Td ( of the Code and the regulations promulgated thereunder) Tj ET Q q 0 0 0 rg BT 329.30 175.10 Td (, such that no delivery of or failure to deliver Shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 163.10 Td (pursuant to this ) Tj ET Q q 0 0 0 rg BT 113.11 163.10 Td (Agreement will result in the imposition of taxation or penalties as a consequence of the application of Section ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 151.10 Td (409A) Tj ET Q q 0 0 0 rg BT 71.17 151.10 Td ( of the Code. 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If the Company determines after the Grant Date that an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 91.10 Td (amendment to this ) Tj ET Q q 0 0 0 rg BT 125.33 91.10 Td (Agreement is necessary to ensure the foregoing, it may make such an amendment, notwithstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 79.10 Td (Section15 above, ef) Tj ET Q q 0 0 0 rg BT 130.96 79.10 Td (fective as of the Grant Date or any later date, without the consent of the Employee.) Tj ET Q endstream endobj 495 0 obj <> endobj 496 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (18. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 740.7669921875 m 123.2685546875 740.7669921875 l s q 0 0 0 rg BT 85.50 742.10 Td (Headings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.27 742.10 Td (.) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 616.10 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 616.10 Td (The Employee acknowledges and undertakes that:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 592.10 Td (\(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 592.10 Td (subject to Section 9, his rights and obligations as an employee or director of the Company or any of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 580.10 Td (its ) Tj ET Q q 0 0 0 rg BT 60.90 580.10 Td (Af) Tj ET Q q 0 0 0 rg BT 71.27 580.10 Td (filiates shall not be af) Tj ET Q q 0 0 0 rg BT 157.17 580.10 Td (fected by grant of the Restricted Stock Unit award or the delivery of Shares pursuant to such award; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 568.10 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 544.10 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 544.10 Td (subject to Section 4, the grant of the Restricted Stock Unit award or the delivery of Shares pursuant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 532.10 Td (to such units give him no right or expectation to receive further opportunities to acquire Shares, except for any rights which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 520.10 Td (might be available to shareholders as such.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 496.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 496.10 Td (The Employee irrevocably waives any rights that may arise to compensation or damages on account of any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 484.10 Td (loss in respect of the Restricted Stock Unit award or the delivery of Shares pursuant to such award where such loss arises \(or is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 472.10 Td (claimed to arise\), in whole or in part, from:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 448.10 Td (\(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 448.10 Td (termination of his of) Tj ET Q q 0 0 0 rg BT 239.25 448.10 Td (fice or employment with; or) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 424.10 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 424.10 Td (notice to terminate his of) Tj ET Q q 0 0 0 rg BT 257.29 424.10 Td (fice or employment given by or to,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 400.10 Td (the Company) Tj ET Q q 0 0 0 rg BT 102.45 400.10 Td (, any ) Tj ET Q q 0 0 0 rg BT 123.84 400.10 Td (Af) Tj ET Q q 0 0 0 rg BT 134.21 400.10 Td (filiate or former ) Tj ET Q q 0 0 0 rg BT 200.02 400.10 Td (Af) Tj ET Q q 0 0 0 rg BT 210.39 400.10 Td (filiate. ) Tj ET Q q 0 0 0 rg BT 238.53 400.10 Td (This waiver shall apply however termination of of) Tj ET Q q 0 0 0 rg BT 439.12 400.10 Td (fice or employment, or the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 388.10 Td (giving of notice, is caused, and however compensation or damages may be claimed.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 364.10 Td (\(c\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 364.10 Td (The Employee irrevocably waives any rights to compensation or damages that may arise on account of any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 352.10 Td (loss in respect of the Restricted Stock Unit award or the delivery of Shares pursuant to such award where such loss arises \(or is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 340.10 Td (claimed to arise\), in whole or in part, from:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 316.10 Td (\(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 316.10 Td (any company which employs him, or in which he holds of) Tj ET Q q 0 0 0 rg BT 389.78 316.10 Td (fice, ceasing to be an ) Tj ET Q q 0 0 0 rg BT 475.85 316.10 Td (Af) Tj ET Q q 0 0 0 rg BT 486.23 316.10 Td (filiate of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 304.10 Td (Company; or) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 280.10 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.50 280.10 Td (the transfer of the business in which he is employed from the Company \(or any ) Tj ET Q q 0 0 0 rg BT 476.04 280.10 Td (Af) Tj ET Q q 0 0 0 rg BT 486.41 280.10 Td (filiate of it\) to any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 268.10 Td (person which is not the Company \(or an ) Tj ET Q q 0 0 0 rg BT 211.70 268.10 Td (Af) Tj ET Q q 0 0 0 rg BT 222.07 268.10 Td (filiate of it\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 244.10 Td (This waiver shall apply however the change of status of the relevant company) Tj ET Q q 0 0 0 rg BT 360.41 244.10 Td (, or the transfer of the relevant business, is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 232.10 Td (caused, and however compensation or damages may be claimed.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 211.10 Td (21. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 209.76699218750002 m 125.4853515625 209.76699218750002 l s q 0 0 0 rg BT 85.50 211.10 Td (Clawback) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.49 211.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 190.10 Td (Notwithstanding any provisions in this ) Tj ET Q q 0 0 0 rg BT 242.45 190.10 Td (Agreement to the contrary) Tj ET Q q 0 0 0 rg BT 347.03 190.10 Td (, any Shares or other amounts paid or provided to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.10 Td (Employee pursuant to this ) Tj ET Q q 0 0 0 rg BT 156.16 178.10 Td (Agreement \(including any gains realized on Shares issued pursuant to this ) Tj ET Q q 0 0 0 rg BT 454.14 178.10 Td (Agreement\), which Shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.10 Td (or amounts are subject to recovery under any law) Tj ET Q q 0 0 0 rg BT 246.00 166.10 Td (, government regulation, stock exchange listing requirement, or any policy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 154.10 Td (adopted by the Company from time to time, will be subject to such deductions and clawback as may be required to be made ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 142.10 Td (pursuant to such law) Tj ET Q q 0 0 0 rg BT 131.34 142.10 Td (, government regulation, stock exchange listing requirement, or policy as in ef) Tj ET Q q 0 0 0 rg BT 443.84 142.10 Td (fect from time to time.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 121.10 Td (22. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 119.76699218750002 m 132.16015625 119.76699218750002 l s q 0 0 0 rg BT 85.50 121.10 Td (Disclosures) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.16 121.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 97.10 Td (Nothing in this ) Tj ET Q q 0 0 0 rg BT 147.45 97.10 Td (Agreement shall be construed to restrict the Employee) Tj ET Q q 0 0 0 rg BT 367.66 97.10 Td (s ability to make a confidential disclosure of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 85.10 Td (any trade secret or other confidential information to a government of) Tj ET Q q 0 0 0 rg BT 324.22 85.10 Td (ficial or an attorney for the sole purpose of reporting or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 73.10 Td (assisting in the investigation of a suspected violation of law and the Employee shall not be held liable under this ) Tj ET Q q 0 0 0 rg BT 499.96 73.10 Td (Agreement or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 61.10 Td (under any federal or state trade secret law for any such disclosure.) Tj ET Q endstream endobj 497 0 obj <> endobj 498 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (23. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 85.5 740.7669921875 m 169.6650390625 740.7669921875 l s q 0 0 0 rg BT 85.50 742.10 Td (Foreign Jurisdictions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.67 742.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 718.10 Td (This ) Tj ET Q q 0 0 0 rg BT 105.23 718.10 Td (Agreement shall be construed, interpreted and applied in such a manner as shall be necessary to comply with any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (legal or regulatory requirements of any jurisdiction to which the Employee is or becomes subject. ) Tj ET Q q 0 0 0 rg BT 441.99 706.10 Td (The Company hereby ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (delegates to each of the of) Tj ET Q q 0 0 0 rg BT 153.99 694.10 Td (ficers of the Company the authority for the interpretation of such matters, whose interpretations shall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.10 Td (be final, binding and conclusive on the Employee and all individuals claiming any rights or benefits hereunder) Tj ET Q q 0 0 0 rg BT 490.77 682.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 253.70 661.10 Td ([Signatur) Tj ET Q q 0 0 0 rg BT 291.67 661.10 Td (e Page Follows]) Tj ET Q endstream endobj 499 0 obj <> endobj 500 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 742.10 Td (IN ) Tj ET Q q 0 0 0 rg BT 98.37 742.10 Td (WITNESS ) Tj ET Q q 0 0 0 rg BT 144.02 742.10 Td (WHEREOF) Tj ET Q q 0 0 0 rg BT 191.55 742.10 Td (, as of the date first above written, the Company has caused this ) Tj ET Q q 0 0 0 rg BT 448.43 742.10 Td (Agreement to be executed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (on its behalf by a duly authorized of) Tj ET Q q 0 0 0 rg BT 194.00 730.10 Td (ficer and the Employee has hereunto set the Employee) Tj ET Q q 0 0 0 rg BT 414.48 730.10 Td (s hand. ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391 665.6 m 412 665.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412 665.6 m 562 665.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412 590.6 m 562 590.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.50 700.27 Td (Date: ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 112.66 700.27 Td ([Acceptance Date]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 190.67 700.27 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.50 700.27 Td (EMPLOYEE: ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 452.11 700.27 Td ([Participant Name]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 393.50 655.28 Td ([Electr) Tj ET Q q 0 0 1 rg BT 422.74 655.28 Td (onic Signatur) Tj ET Q q 0 0 1 rg BT 480.07 655.28 Td (e]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 393.50 625.27 Td (UNUM GROUP) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.50 595.27 Td (By:) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 414.50 580.28 Td ([Authorized Signatur) Tj ET Q q 0 0 1 rg BT 505.80 580.28 Td (e]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 414.50 565.28 Td ([Name]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 414.50 550.28 Td ([T) Tj ET Q q 0 0 1 rg BT 424.32 550.28 Td (itle]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL endstream endobj 501 0 obj <> endobj 502 0 obj <> stream BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 505.3 759.18505859375 m 561.9796875 759.18505859375 l s q 0 0 0 rg BT 505.30 760.75 Td (Exhibit 10.39) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.45 730.10 Td (PERFORMANCE SHARE UNIT) Tj ET Q q 0 0 0 rg BT 299.84 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 301.79 730.10 Td (AGREEMENT) Tj ET Q q 0 0 0 rg BT 363.27 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 365.59 730.10 Td (WITH EMPLOYEE ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.80 718.10 Td (\(Unum Group Stock Incentive Plan of 2017\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.00 694.10 Td (THIS ) Tj ET Q q 0 0 0 rg BT 98.17 694.10 Td (AGREEMENT) Tj ET Q q 0 0 0 rg BT 159.65 694.10 Td ( \(the Agreement\), dated as of ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 287.64 694.10 Td ([Grant Date]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 342.90 694.10 Td (, is entered into by and between Unum Group, a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (Delaware corporation \(the Company\), and ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 230.48 682.10 Td ([Participant Name]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 312.95 682.10 Td ( \(the Employee\).) 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Subject to the provisions of this ) Tj ET Q q 0 0 0 rg BT 278.66 583.10 Td (Agreement and to the provisions of the Unum Group Stock Incentive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 571.10 Td (Plan of 2017 \(the Plan\), the Company hereby grants to the Employee, as of ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 361.59 571.10 Td ([Grant Date]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 416.85 571.10 Td ( \(the Grant Date\), ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 498.75 571.10 Td ([Number) Tj ET Q q 0 0 1 rg BT 537.45 571.10 Td ( of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 50.00 559.10 Td (A) Tj ET Q q 0 0 1 rg BT 56.48 559.10 Td (wards Granted]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 124.53 559.10 Td ( Performance Share Units \(the Performance Share Units\), each with respect to one share of common stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 547.10 Td (of the Company) Tj ET Q q 0 0 0 rg BT 113.78 547.10 Td (, par value $0.10 per Share. ) Tj ET Q q 0 0 0 rg BT 225.69 547.10 Td (All capitalized terms used herein, to the extent not defined, shall have the meaning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 535.10 Td (set forth in the Plan.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 511.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 122 509.7669921875 m 339.1484375 509.7669921875 l s q 0 0 0 rg BT 122.00 511.10 Td (Earning Performance Share Units/Performance Period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.15 511.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 487.10 Td (\(i\) ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 158 485.7669921875 m 292.677734375 485.7669921875 l s q 0 0 0 rg BT 158.00 487.10 Td (Earning Performance Share Units) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.68 487.10 Td (. Subject to Section 1\(b\)\(ii\) and 1\(c\) below) Tj ET Q q 0 0 0 rg BT 466.15 487.10 Td (, the Employee shall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (earn a percentage of Performance Share Units in accordance with Schedule ) Tj ET Q q 0 0 0 rg BT 352.92 475.10 Td (A) Tj ET Q q 0 0 0 rg BT 359.59 475.10 Td ( on the date that the Committee certifies that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.10 Td (Company has achieved the performance goals set forth on Schedule ) Tj ET Q q 0 0 0 rg BT 323.25 463.10 Td (A, which date shall be no later than two and a half months ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 451.10 Td (after the end of the performance period extending from January 1, ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 316.56 451.10 Td ([Y) Tj ET Q q 0 0 1 rg BT 326.00 451.10 Td (ear]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 343.21 451.10 Td ( to December 31, ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 414.57 451.10 Td ([Y) Tj ET Q q 0 0 1 rg BT 424.01 451.10 Td (ear+2]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 451.92 451.10 Td (, inclusive \(the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 439.10 Td (Performance Period\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 415.10 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 158 413.7669921875 m 237.6923828125 413.7669921875 l s q 0 0 0 rg BT 158.00 415.10 Td (Performance Period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.69 415.10 Td (. Subject to the terms and conditions of this ) Tj ET Q q 0 0 0 rg BT 415.73 415.10 Td (Agreement, the Performance Share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 403.10 Td (Units earned pursuant to Section 1\(b\)\(i\) shall vest and no longer be subject to any restriction upon the expiration of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 391.10 Td (Performance Period.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 367.10 Td (\(c\) ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 122 365.7669921875 m 235.720703125 365.7669921875 l s q 0 0 0 rg BT 122.00 367.10 Td (T) Tj ET Q q 0 0 0 rg BT 127.41 367.10 Td (ermination ) Tj ET Q q 0 0 0 rg BT 173.23 367.10 Td (of ) Tj ET Q q 0 0 0 rg BT 184.06 367.10 Td (Employment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.72 367.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 343.10 Td (\(i\) ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 158 341.7669921875 m 189.6455078125 341.7669921875 l s q 0 0 0 rg BT 158.00 343.10 Td (General) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.65 343.10 Td (. Upon the Employee) Tj ET Q q 0 0 0 rg BT 279.90 343.10 Td (s ) Tj ET Q q 0 0 0 rg BT 286.12 343.10 Td (T) Tj ET Q q 0 0 0 rg BT 291.53 343.10 Td (ermination of Employment for any reason \(other than as specified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 331.10 Td (in Section 1\(c\)\(ii\) or 1\(c\)\(iii\) below\) during the Performance Period, all Performance Share Units still subject to restriction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 319.10 Td (shall be forfeited.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 295.10 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 158 293.7669921875 m 356.0224609375 293.7669921875 l s q 0 0 0 rg BT 158.00 295.10 Td (Job Elimination or Requalification; Good Reason) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.02 295.10 Td (. In the event of the Employee) Tj ET Q q 0 0 0 rg BT 482.09 295.10 Td (s ) Tj ET Q q 0 0 0 rg BT 488.30 295.10 Td (T) Tj ET Q q 0 0 0 rg BT 493.71 295.10 Td (ermination of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 283.10 Td (Employment during the Performance Period by the Company as a result of job elimination or requalification, the Employee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 271.10 Td (shall earn a number of Performance Share Units equal to the product of \(x\)the number of Performance Share Units determined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 259.10 Td (in accordance with Section 1\(b\)\(i\) and \(y\) a fraction, the numerator of which is the number of full and partial months that have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 247.10 Td (lapsed from the first day of the Performance Period until the date of the ) Tj ET Q q 0 0 0 rg BT 338.06 247.10 Td (T) Tj ET Q q 0 0 0 rg BT 343.47 247.10 Td (ermination of Employment and the denominator of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 235.10 Td (which is the total number of months in the Performance Period; ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 306.89 235.10 Td (pr) Tj ET Q q 0 0 0 rg BT 315.41 235.10 Td (ovided) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.07 235.10 Td (, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 347.07 235.10 Td (that) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.62 235.10 Td (, in the case of the Employee) Tj ET Q q 0 0 0 rg BT 481.19 235.10 Td (s ) Tj ET Q q 0 0 0 rg BT 487.40 235.10 Td (T) Tj ET Q q 0 0 0 rg BT 492.81 235.10 Td (ermination of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 223.10 Td (Employment under such circumstances, the Employee does not breach the PSU Restrictions \(as defined in Section 5 below\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 211.10 Td (and the Employee executes and submits to the Company within 10 business days following the last day of each year during the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 199.10 Td (Restricted Period \(as defined in Section 5 below\) a certification in the form provided to the Employee by the Company that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 187.10 Td (states that the Employee has adhered to and complied with the PSU Restrictions \(the Certification\). Such Performance Share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 175.10 Td (Units shall be settled at such time as Performance Share Units would be settled in accordance with Section2. For the avoidance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 163.10 Td (of doubt, in the event that the Employee incurs a ) Tj ET Q q 0 0 0 rg BT 246.71 163.10 Td (T) Tj ET Q q 0 0 0 rg BT 252.12 163.10 Td (ermination of Employment during the Performance Period by the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 151.10 Td (as a result of job elimination or requalification and the Employee fails to comply with the PSU Restrictions or fails to execute ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 139.10 Td (and submit the Certification, the Performance Share Units will be forfeited. ) Tj ET Q q 0 0 0 rg BT 356.40 139.10 Td (The benefits and conditions \(including the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 127.10 Td (obligations to adhere to and comply with the PSU Restrictions and the requirement to execute and submit the Certification\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 115.10 Td (described this Section 1\(c\)\(ii\) shall also apply upon a ) Tj ET Q q 0 0 0 rg BT 265.04 115.10 Td (T) Tj ET Q q 0 0 0 rg BT 270.45 115.10 Td (ermination of Employment by the Employee for Good Reason if the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 103.10 Td (Company has entered into a separate written agreement with the Employee providing for payments upon a ) Tj ET Q q 0 0 0 rg BT 478.02 103.10 Td (T) Tj ET Q q 0 0 0 rg BT 483.43 103.10 Td (ermination of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 91.10 Td (Employment for Good Reason not following a Change in Control, in which case Good Reason shall have the meaning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 79.10 Td (ascribed to it in such agreement; ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 182.18 79.10 Td (pr) Tj ET Q q 0 0 0 rg BT 190.70 79.10 Td (ovided) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.35 79.10 Td (, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 222.35 79.10 Td (that) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.91 79.10 Td (, if the Employee is eligible for Retirement at the time of the Employee) Tj ET Q q 0 0 0 rg BT 525.60 79.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 67.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 67.10 Td (ermination of Employment by the Employee for Good Reason, the vesting of such Employee) Tj ET Q q 0 0 0 rg BT 430.88 67.10 Td (s Performance Share Units shall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 55.10 Td (be governed by Section 1\(c\)\(iii\) below) Tj ET Q q 0 0 0 rg BT 204.02 55.10 Td (.) Tj ET Q endstream endobj 503 0 obj <> endobj 504 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 730.10 Td (\(iii\) ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 158 728.7669921875 m 364.6162109375 728.7669921875 l s q 0 0 0 rg BT 158.00 730.10 Td (Retirement/Death/Disability; Retirement Definition) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.62 730.10 Td (. In the event of the Employee) Tj ET Q q 0 0 0 rg BT 490.69 730.10 Td (s ) Tj ET Q q 0 0 0 rg BT 496.90 730.10 Td (T) Tj ET Q q 0 0 0 rg BT 502.31 730.10 Td (ermination of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (Employment during the Performance Period due to the Employee) Tj ET Q q 0 0 0 rg BT 314.93 718.10 Td (s death, Disability or Retirement, the Employee shall earn a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (number of Performance Share Units equal to the number of Performance Share Units determined in accordance with Section ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (1\(b\)\(i\), assuming that the Employee had remained employed through the Performance Period; ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 428.50 694.10 Td (pr) Tj ET Q q 0 0 0 rg BT 437.02 694.10 Td (ovided) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.68 694.10 Td (, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 468.68 694.10 Td (that) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.23 694.10 Td (, in the case of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (Employee) Tj ET Q q 0 0 0 rg BT 93.32 682.10 Td (s Retirement or Disability) Tj ET Q q 0 0 0 rg BT 196.26 682.10 Td (, the Employee does not breach the PSU Restrictions and the Employee \(or in the case of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (the Employee) Tj ET Q q 0 0 0 rg BT 108.04 670.10 Td (s Disability) Tj ET Q q 0 0 0 rg BT 153.22 670.10 Td (, the Employee) Tj ET Q q 0 0 0 rg BT 216.26 670.10 Td (s legal representative on behalf of the Employee, if applicable\) executes and submits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (to the Company within 10 business days following the last day of each year during the Restricted Period the Certification. Such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (Performance Share Units shall be settled at such time as Performance Share Units would be settled in accordance with Section ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (2. For the avoidance of doubt, in the event that the Employee incurs a ) Tj ET Q q 0 0 0 rg BT 330.85 634.10 Td (T) Tj ET Q q 0 0 0 rg BT 336.26 634.10 Td (ermination of Employment during the Performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (Period due to the Employee) Tj ET Q q 0 0 0 rg BT 163.86 622.10 Td (s Retirement or Disability and the Employee fails to comply with the PSU Restrictions or fails to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (execute and submit the Certification, the Performance Share Units will be forfeited. For purposes of this ) Tj ET Q q 0 0 0 rg BT 468.78 610.10 Td (Agreement and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (notwithstanding section 1\() Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 156.10 598.10 Td (ll) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.66 598.10 Td (\) of the Plan, Retirement shall mean the Employee) Tj ET Q q 0 0 0 rg BT 375.20 598.10 Td (s ) Tj ET Q q 0 0 0 rg BT 381.41 598.10 Td (T) Tj ET Q q 0 0 0 rg BT 386.82 598.10 Td (ermination of Employment after \(x\) the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (attainment of age 65, \(y\) the attainment of age 55 and at least 15 years of continuous service if, as of December 31, 2013, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (Employee was a participant in the Company) Tj ET Q q 0 0 0 rg BT 229.95 574.10 Td (s long-term incentive program, at least age 50 and had at least 10 years of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (continuous service, or \(z\) the attainment of age 60 and at least 15 years of continuous service, in each case only if such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 550.10 Td (ermination of Employment is approved as a Retirement by \(1\)the Committee in the case of an Employee who is subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (Section16 of the Exchange ) Tj ET Q q 0 0 0 rg BT 161.91 538.10 Td (Act, or \(2\)the Chief Executive Of) Tj ET Q q 0 0 0 rg BT 298.63 538.10 Td (ficer or Senior ) Tj ET Q q 0 0 0 rg BT 358.70 538.10 Td (V) Tj ET Q q 0 0 0 rg BT 365.32 538.10 Td (ice President, Corporate Human Resources, in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (the case of all other individuals. Notwithstanding the foregoing or section 1\() Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 355.48 526.10 Td (ll) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.04 526.10 Td (\) of the Plan, in the event that Employee is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (subject to the laws of a foreign jurisdiction where the above definition would violate applicable law) Tj ET Q q 0 0 0 rg BT 447.84 514.10 Td (, Retirement shall mean ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (the Employee) Tj ET Q q 0 0 0 rg BT 108.04 502.10 Td (s ) Tj ET Q q 0 0 0 rg BT 114.25 502.10 Td (T) Tj ET Q q 0 0 0 rg BT 119.66 502.10 Td (ermination of Employment where the Employee ceases employment with the intention of ceasing to do any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (further work and on a date that has been agreed by both the Company and the Employee in writing in advance in compliance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (with such local legal requirements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 454.10 Td (\(iv\) ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 158 452.7669921875 m 209.66015625 452.7669921875 l s q 0 0 0 rg BT 158.00 454.10 Td (Employment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.66 454.10 Td (. For purposes of this ) Tj ET Q q 0 0 0 rg BT 296.33 454.10 Td (Agreement, employment with the Company shall include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (employment with the Company) Tj ET Q q 0 0 0 rg BT 179.15 442.10 Td (s ) Tj ET Q q 0 0 0 rg BT 184.99 442.10 Td (Af) Tj ET Q q 0 0 0 rg BT 195.36 442.10 Td (filiates and successors. Nothing in this ) Tj ET Q q 0 0 0 rg BT 351.18 442.10 Td (Agreement or the Plan shall confer upon the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (Employee any right to continue in the employ of the Company or any of its ) Tj ET Q q 0 0 0 rg BT 353.00 430.10 Td (Af) Tj ET Q q 0 0 0 rg BT 363.37 430.10 Td (filiates or interfere in any way with the right of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (the Company or any such ) Tj ET Q q 0 0 0 rg BT 154.15 418.10 Td (Af) Tj ET Q q 0 0 0 rg BT 164.52 418.10 Td (filiates to terminate the Employee) Tj ET Q q 0 0 0 rg BT 302.81 418.10 Td (s employment at any time. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (2. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 392.7669921875 m 163.7685546875 392.7669921875 l s q 0 0 0 rg BT 86.00 394.10 Td (Settlement of Units) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.77 394.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 382.10 Td (Subject to Section9 \(pertaining to the withholding of taxes\), and except as otherwise provided in Section 6, as soon as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (practicable after the date on which the Performance Period expires and the Committee certifies that the Company has achieved ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (the performance goals set forth on Schedule ) Tj ET Q q 0 0 0 rg BT 228.00 358.10 Td (A, and in no event later than two and a half months after the end of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (Performance Period, the Company shall deliver to the Employee or his or her personal representative, in book-position or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (certificate form, one Share that does not bear any restrictive legend making reference to this ) Tj ET Q q 0 0 0 rg BT 419.85 334.10 Td (Agreement for each Performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (Share Unit earned pursuant to this ) Tj ET Q q 0 0 0 rg BT 188.31 322.10 Td (Agreement. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td (3. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 299.7669921875 m 287.8798828125 299.7669921875 l s q 0 0 0 rg BT 86.00 301.10 Td (Nontransferability of the Performance Share Units) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.88 301.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 289.10 Td (During the Performance Period and until such time as the Performance Share Units are ultimately settled as provided ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (in Section2 above, the Performance Share Units and Shares covered by the Performance Share Units shall not be transferable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 265.10 Td (by the Employee by means of sale, assignment, exchange, encumbrance, pledge, hedge or otherwise; ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 456.25 265.10 Td (pr) Tj ET Q q 0 0 0 rg BT 464.77 265.10 Td (ovided, however) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.30 265.10 Td (, that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 253.10 Td (nothing in this Section 3 shall prevent transfers by will or by the applicable laws of descent and distribution. ) Tj ET Q q 0 0 0 rg BT 484.92 253.10 Td (Any purported or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 241.10 Td (attempted transfer of such Performance Share Units or Shares in contravention of this Section 3 shall be null and void.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (4. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 218.76699218750002 m 180.43603515625 218.76699218750002 l s q 0 0 0 rg BT 86.00 220.10 Td (Rights as a Stockholder) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.16 220.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 208.10 Td (During the Performance Period and until such time as the Performance Share Units are ultimately settled as provided ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (in Section2 above, the Employee shall not be entitled to any rights of a stockholder with respect to the Performance Share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (Units \(including, without limitation, any voting rights\); ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 273.60 184.10 Td (pr) Tj ET Q q 0 0 0 rg BT 282.12 184.10 Td (ovided) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.77 184.10 Td ( that with respect to any dividends paid on Shares underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (the Performance Share Units, such dividends will be reinvested into additional Performance Share Units, which, as applicable, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (shall vest and be settled at such time as, and in the same ratio and only to the extent that the underlying Performance Share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (Units vest and are settled. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 127.10 Td (5. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 125.76699218750002 m 380.677734375 125.76699218750002 l s q 0 0 0 rg BT 86.00 127.10 Td (Confidentiality; Non-Competition; Non-Solicitation; Non-Disparagement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.68 127.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 103.10 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 103.10 Td (The Employee acknowledges that during the course of employment or engagement with the Company and its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 91.10 Td (Af) Tj ET Q q 0 0 0 rg BT 60.37 91.10 Td (filiates the Employee has received and will continue to have access and exposure to secret and proprietary information, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 79.10 Td (including but not limited to information about the Company) Tj ET Q q 0 0 0 rg BT 292.75 79.10 Td (s and its ) Tj ET Q q 0 0 0 rg BT 327.48 79.10 Td (Af) Tj ET Q q 0 0 0 rg BT 337.85 79.10 Td (filiates) Tj ET Q q 0 0 0 rg BT 367.65 79.10 Td ( business, business practices and processes, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 67.10 Td (customers, and prospective customers, the value of which is derived in part from the fact that the information is not generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 55.10 Td (known to the public \(Confidential Information\). ) Tj ET Q q 0 0 0 rg BT 252.82 55.10 Td (The Employee acknowledges that the Company and its ) Tj ET Q q 0 0 0 rg BT 474.99 55.10 Td (Af) Tj ET Q q 0 0 0 rg BT 485.36 55.10 Td (filiates have spent ) Tj ET Q endstream endobj 505 0 obj <> endobj 506 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (significant time, ef) Tj ET Q q 0 0 0 rg BT 125.07 742.10 Td (fort and resources protecting the Confidential Information and that the Confidential Information has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (contributed to customer goodwill and is of significant competitive value to the Company and its ) Tj ET Q q 0 0 0 rg BT 435.76 730.10 Td (Af) Tj ET Q q 0 0 0 rg BT 446.13 730.10 Td (filiates in the businesses in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (which they compete, and that the use or disclosure, even if inadvertent, of the Confidential Information to or for the benefit of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (competitor would cause significant damage to the legitimate business interests of the Company) Tj ET Q q 0 0 0 rg BT 429.81 706.10 Td (. ) Tj ET Q q 0 0 0 rg BT 434.26 706.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 483.60 706.10 Td (, in order to protect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (the legitimate business and customer goodwill interests of the Company and its ) Tj ET Q q 0 0 0 rg BT 368.84 694.10 Td (Af) Tj ET Q q 0 0 0 rg BT 379.21 694.10 Td (filiates, to protect the Confidential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (Information against inappropriate use or disclosure, and in consideration of the grant of and the opportunity to earn the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (Performance Share Units in accordance with the provisions of this ) Tj ET Q q 0 0 0 rg BT 317.15 670.10 Td (Agreement, the Employee hereby covenants and agrees to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (comply with the confidentiality) Tj ET Q q 0 0 0 rg BT 175.16 658.10 Td (, non-competition, non-solicitation and non-disparagement provisions set forth in this Section ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (5\(a\) \(collectively) Tj ET Q q 0 0 0 rg BT 117.92 646.10 Td (, the PSU Restrictions\). Except to the extent expressly provided otherwise below) Tj ET Q q 0 0 0 rg BT 449.14 646.10 Td (, the Employee agrees to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (comply with the PSU Restrictions for the period commencing on the Grant Date and extending through the later of \(1\) the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (expiration of the Performance Period, in the event of the Employee) Tj ET Q q 0 0 0 rg BT 321.30 622.10 Td (s ) Tj ET Q q 0 0 0 rg BT 327.51 622.10 Td (T) Tj ET Q q 0 0 0 rg BT 332.92 622.10 Td (ermination of Employment during the Performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (Period \(A\) by the Company as a result of job elimination or requalification, \(B\) by the Employee for Good Reason \(if the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (Company has entered into a separate written agreement with the Employee providing for payments upon a ) Tj ET Q q 0 0 0 rg BT 478.02 598.10 Td (T) Tj ET Q q 0 0 0 rg BT 483.43 598.10 Td (ermination of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (Employment for Good Reason not following a Change in Control\), or \(C\) due to the Employee) Tj ET Q q 0 0 0 rg BT 432.71 586.10 Td (s Retirement or Disability and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (\(2\) the date that is 12 months following the Employee) Tj ET Q q 0 0 0 rg BT 268.57 574.10 Td (s ) Tj ET Q q 0 0 0 rg BT 274.78 574.10 Td (T) Tj ET Q q 0 0 0 rg BT 280.19 574.10 Td (ermination of Employment for any reason \(such period, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (Restricted Period\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 538.10 Td (\(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 538.10 Td (The Employee will use Confidential Information gained during employment or engagement with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (Company or any ) Tj ET Q q 0 0 0 rg BT 118.60 526.10 Td (Af) Tj ET Q q 0 0 0 rg BT 128.97 526.10 Td (filiate for the benefit of the Company only and, without the prior written consent of the Company) Tj ET Q q 0 0 0 rg BT 517.95 526.10 Td (, shall not, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (at any time during the Restricted Period or thereafter) Tj ET Q q 0 0 0 rg BT 260.63 514.10 Td (, directly or indirectly) Tj ET Q q 0 0 0 rg BT 347.18 514.10 Td (, divulge, reveal or communicate any Confidential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (Information to any person or entity whatsoever) Tj ET Q q 0 0 0 rg BT 237.88 502.10 Td (, or use any Confidential Information for the Employee) Tj ET Q q 0 0 0 rg BT 461.43 502.10 Td (s own benefit or for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (benefit of others, other than as required by law or legal process. For purposes of the foregoing, Confidential Information shall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (not include information that becomes generally available to the public, other than as a result of disclosure by the Employee.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 454.10 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 454.10 Td (The Employee shall not, at any time during the Restricted Period, without the prior written consent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (of the Company) Tj ET Q q 0 0 0 rg BT 113.78 442.10 Td (, directly or indirectly) Tj ET Q q 0 0 0 rg BT 200.33 442.10 Td (, own, manage, operate, join, control, or participate in the ownership, management, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (operation or control of, or be employed by) Tj ET Q q 0 0 0 rg BT 219.30 430.10 Td (, consult with, render services for) Tj ET Q q 0 0 0 rg BT 352.47 430.10 Td (, or be connected in any other manner with, any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (Competing Business, whether for compensation or otherwise. For the purposes of this ) Tj ET Q q 0 0 0 rg BT 395.51 418.10 Td (Agreement, a Competing Business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (shall be any business in the United States which is engaged in the sale or provision of employee benefits or other products or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (services of the type of) Tj ET Q q 0 0 0 rg BT 138.12 394.10 Td (fered by the Company or its ) Tj ET Q q 0 0 0 rg BT 251.99 394.10 Td (Af) Tj ET Q q 0 0 0 rg BT 262.36 394.10 Td (filiates \(including without limitation, life, critical illness, income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (protection, disability) Tj ET Q q 0 0 0 rg BT 132.11 382.10 Td (, accident, dental, vision, or hospital indemnity insurance\), unless the Employee) Tj ET Q q 0 0 0 rg BT 454.54 382.10 Td (s primary duties and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (responsibilities with respect to such business are not related to the management, operation or provision of such products or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (services. Notwithstanding the requirements of this paragraph, the Employee shall not be prohibited from owning less than 1% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (of any publicly traded corporation, whether or not such corporation is deemed to be a Competing Business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 322.10 Td (\(iii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 322.10 Td (The Employee shall not, at any time during the Restricted Period, without the prior written consent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (of the Company) Tj ET Q q 0 0 0 rg BT 113.78 310.10 Td (, directly or indirectly) Tj ET Q q 0 0 0 rg BT 200.33 310.10 Td (, either for the Employee) Tj ET Q q 0 0 0 rg BT 302.79 310.10 Td (s own benefit or purpose or for the benefit or purpose of any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (other person or entity) Tj ET Q q 0 0 0 rg BT 135.16 298.10 Td (, solicit, assist, or induce any Covered Employee to terminate his or her relationship with the Company or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (its ) Tj ET Q q 0 0 0 rg BT 61.40 286.10 Td (Af) Tj ET Q q 0 0 0 rg BT 71.77 286.10 Td (filiates \(regardless of who first initiates the communication\), or help another person or entity evaluate any Covered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (Employee as an employment candidate, or employ) Tj ET Q q 0 0 0 rg BT 251.79 274.10 Td (, or of) Tj ET Q q 0 0 0 rg BT 275.77 274.10 Td (fer to employ) Tj ET Q q 0 0 0 rg BT 328.99 274.10 Td (, call on, or actively interfere with the Company) Tj ET Q q 0 0 0 rg BT 523.93 274.10 Td (s or any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (Af) Tj ET Q q 0 0 0 rg BT 60.37 262.10 Td (filiate) Tj ET Q q 0 0 0 rg BT 86.47 262.10 Td (s relationship with any Covered Employee, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 261.71 262.10 Td (pr) Tj ET Q q 0 0 0 rg BT 270.23 262.10 Td (ovided) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.88 262.10 Td ( that this paragraph shall not prohibit general solicitations in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (form of classified advertisements or the like in newspapers, on the internet, or in other media. For purposes of this ) Tj ET Q q 0 0 0 rg BT 508.50 250.10 Td (Agreement, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (Covered Employee means an individual who is an employee, representative, or of) Tj ET Q q 0 0 0 rg BT 386.09 238.10 Td (ficer of the Company or any ) Tj ET Q q 0 0 0 rg BT 501.06 238.10 Td (Af) Tj ET Q q 0 0 0 rg BT 511.43 238.10 Td (filiate at the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (time of the solicitation, assistance, or inducement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 202.10 Td (\(iv\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 202.10 Td (The Employee shall not, at any time during the Restricted Period, without the prior written consent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (of the Company) Tj ET Q q 0 0 0 rg BT 113.78 190.10 Td (, directly or indirectly) Tj ET Q q 0 0 0 rg BT 200.33 190.10 Td (, either for the Employee) Tj ET Q q 0 0 0 rg BT 302.79 190.10 Td (s own benefit or purpose or for the benefit or purpose of any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (other person or entity) Tj ET Q q 0 0 0 rg BT 135.16 178.10 Td (, solicit or accept any business from any customers of the Company or any ) Tj ET Q q 0 0 0 rg BT 435.37 178.10 Td (Af) Tj ET Q q 0 0 0 rg BT 445.74 178.10 Td (filiate, or any broker with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (regard to customers of the Company or any ) Tj ET Q q 0 0 0 rg BT 225.51 166.10 Td (Af) Tj ET Q q 0 0 0 rg BT 235.88 166.10 Td (filiate \(regardless of who first initiates the communication\), whom the Employee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (serviced, solicited or had contact with while employed or engaged by the Company or any ) Tj ET Q q 0 0 0 rg BT 413.23 154.10 Td (Af) Tj ET Q q 0 0 0 rg BT 423.60 154.10 Td (filiate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 130.10 Td (\(v\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 130.10 Td (The Employee shall not, at any time during the Restricted Period, directly or indirectly) Tj ET Q q 0 0 0 rg BT 504.20 130.10 Td (, make any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (statement, oral or written, public or in private, which is reasonably foreseeable as harming the Company) Tj ET Q q 0 0 0 rg BT 469.87 118.10 Td (s or any ) Tj ET Q q 0 0 0 rg BT 503.48 118.10 Td (Af) Tj ET Q q 0 0 0 rg BT 513.85 118.10 Td (filiate) Tj ET Q q 0 0 0 rg BT 539.95 118.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (business interests or impacts negatively on the Company) Tj ET Q q 0 0 0 rg BT 279.68 106.10 Td (s or any ) Tj ET Q q 0 0 0 rg BT 313.29 106.10 Td (Af) Tj ET Q q 0 0 0 rg BT 323.66 106.10 Td (filiate) Tj ET Q q 0 0 0 rg BT 349.76 106.10 Td (s business reputation or reputation in the community) Tj ET Q q 0 0 0 rg BT 559.36 106.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (Nothing in this paragraph will be construed to prevent the Employee from communicating with or responding to a request for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (information from a federal, state, administrative agency or court.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 58.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 58.10 Td (Any termination of the Employee) Tj ET Q q 0 0 0 rg BT 259.19 58.10 Td (s employment or the termination or expiration of this ) Tj ET Q q 0 0 0 rg BT 473.31 58.10 Td (Agreement shall have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (no ef) Tj ET Q q 0 0 0 rg BT 70.09 46.10 Td (fect on the continuing operation of this Section 5.) Tj ET Q endstream endobj 507 0 obj <> endobj 508 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 730.10 Td (\(c\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 730.10 Td (The terms and provisions of this Section 5 are intended to be separate and divisible provisions and if, for any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (reason, any one or more of them is held to be invalid or unenforceable, neither the validity nor the enforceability of any other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (provision of this ) Tj ET Q q 0 0 0 rg BT 117.50 706.10 Td (Agreement shall thereby be af) Tj ET Q q 0 0 0 rg BT 237.83 706.10 Td (fected. ) Tj ET Q q 0 0 0 rg BT 267.07 706.10 Td (The parties hereto acknowledge that the potential restrictions on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (Employee) Tj ET Q q 0 0 0 rg BT 93.32 694.10 Td (s future employment imposed by this Section 5 are reasonable in both duration and geographic scope and in all other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (respects. If for any reason any court of competent jurisdiction shall find any provisions of this Section 5 unreasonable in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (duration or geographic scope or otherwise, the Employee and the Company agree that the restrictions and prohibitions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (contained herein shall be ef) Tj ET Q q 0 0 0 rg BT 159.77 658.10 Td (fective to the fullest extent allowed under applicable law in such jurisdiction.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 634.10 Td (\(d\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 634.10 Td (The Employee acknowledges and agrees that any breach or threatened breach of the PSU Restrictions will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (result in substantial, continuing and irreparable injury to the Company and/or its ) Tj ET Q q 0 0 0 rg BT 372.99 622.10 Td (Af) Tj ET Q q 0 0 0 rg BT 383.36 622.10 Td (filiates. ) Tj ET Q q 0 0 0 rg BT 415.40 622.10 Td (Therefore, in addition to any other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (remedy that may be available to the Company and/or its ) Tj ET Q q 0 0 0 rg BT 276.05 610.10 Td (Af) Tj ET Q q 0 0 0 rg BT 286.42 610.10 Td (filiates, the Company and/or its ) Tj ET Q q 0 0 0 rg BT 414.18 610.10 Td (Af) Tj ET Q q 0 0 0 rg BT 424.55 610.10 Td (filiates shall be entitled to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (equitable and/or injunctive relief to prevent any breach or threatened breach of such provisions, and to specific performance of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (each of the terms thereof in addition to any other legal or equitable remedies that the Company or any ) Tj ET Q q 0 0 0 rg BT 459.03 586.10 Td (Af) Tj ET Q q 0 0 0 rg BT 469.40 586.10 Td (filiate may have. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (W) Tj ET Q q 0 0 0 rg BT 59.04 574.10 Td (ithout limiting the foregoing, if the Employee violates any PSU Restrictions, then all of the Employee) Tj ET Q q 0 0 0 rg BT 469.24 574.10 Td (s outstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (Performance Share Units hereunder shall immediately be forfeited.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (6. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 536.7669921875 m 211.8251953125 536.7669921875 l s q 0 0 0 rg BT 86.00 538.10 Td (Adjustment; Change in Control) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.83 538.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 514.10 Td (In the event of certain transactions during the Performance Period, the Performance Share Units shall be subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (adjustment as provided in Section3\(d\) of the Plan or any applicable successor provision under the Plan. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 481.10 Td (Notwithstanding anything in Section 1 to the contrary) Tj ET Q q 0 0 0 rg BT 300.59 481.10 Td (, subject to Section 3\(d\) of the Plan or any applicable successor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 469.10 Td (provision under the Plan, upon the occurrence of a Change in Control the Performance Share Units shall \(i\) be deemed earned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 457.10 Td (in the number of Performance Share Units originally granted as provided in Section 1\(a\), without regard to performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 445.10 Td (\(including additional Performance Share Units acquired upon reinvestment of dividends in accordance with Section 4\), \(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 433.10 Td (shall remain outstanding and shall vest and be subject to restriction until the end of the Performance Period in accordance with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 421.10 Td (Section 1\(b\)\(ii\), and \(iii\)subject to this Section 6, shall be settled by the Company as provided in Section 2. For purposes of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 409.10 Td (this ) Tj ET Q q 0 0 0 rg BT 66.40 409.10 Td (Agreement, Performance Share Units that are deemed earned upon, and remain outstanding following a Change in Control ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 397.10 Td (pursuant to this Section 6, shall be referred to as Assumed PSUs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 376.10 Td (Notwithstanding anything in Section 1 to the contrary) Tj ET Q q 0 0 0 rg BT 300.59 376.10 Td (, \(A\) upon a ) Tj ET Q q 0 0 0 rg BT 351.23 376.10 Td (T) Tj ET Q q 0 0 0 rg BT 356.64 376.10 Td (ermination of Employment of the Employee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (occurring upon or during the two years immediately following the date of a Change in Control \(but prior to the settlement of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (the Employee) Tj ET Q q 0 0 0 rg BT 108.04 352.10 Td (s ) Tj ET Q q 0 0 0 rg BT 113.88 352.10 Td (Assumed PSUs\) by reason of death, Disability or Retirement, by the Company without Cause, or by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (Employee for Good Reason \(as defined in the Plan, except that if the Employee is covered by a separate written plan or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (agreement providing for payments upon a ) Tj ET Q q 0 0 0 rg BT 219.77 328.10 Td (T) Tj ET Q q 0 0 0 rg BT 225.18 328.10 Td (ermination of Employment for Good Reason within two years following a Change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (in Control, then as defined in such plan or agreement\), then such ) Tj ET Q q 0 0 0 rg BT 310.49 316.10 Td (Assumed PSUs shall become free of all restrictions and fully ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (vested and shall be settled as soon as practicable following the date of ) Tj ET Q q 0 0 0 rg BT 332.23 304.10 Td (T) Tj ET Q q 0 0 0 rg BT 337.64 304.10 Td (ermination of Employment \(but not later than 30 days ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (thereafter\); ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 96.91 292.10 Td (pr) Tj ET Q q 0 0 0 rg BT 105.43 292.10 Td (ovided, however) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.96 292.10 Td (, in each case, that that any ) Tj ET Q q 0 0 0 rg BT 280.64 292.10 Td (Assumed PSUs that constitute nonqualified deferred compensation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (as defined under Section 409A) Tj ET Q q 0 0 0 rg BT 172.75 280.10 Td ( of the Code shall, to the extent necessary to avoid the imposition of penalty taxes under Section ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (409A) Tj ET Q q 0 0 0 rg BT 71.67 268.10 Td ( of the Code, only be so settled if the Change in Control constitutes a change in control event within the meaning of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (Section 409A) Tj ET Q q 0 0 0 rg BT 104.17 256.10 Td ( of the Code and shall otherwise only be settled on the earliest date permissible under Section 409A) Tj ET Q q 0 0 0 rg BT 502.12 256.10 Td ( of the Code; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (\(B\) upon a ) Tj ET Q q 0 0 0 rg BT 95.09 244.10 Td (T) Tj ET Q q 0 0 0 rg BT 100.50 244.10 Td (ermination of Employment of the Employee occurring more than two years following the date of a Change in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (Control \(but prior to the settlement of the Employee) Tj ET Q q 0 0 0 rg BT 261.06 232.10 Td (s ) Tj ET Q q 0 0 0 rg BT 266.90 232.10 Td (Assumed PSUs\) by reason of death, Disability or Retirement, then such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (Assumed PSUs shall become free of all restrictions and fully vested and shall be settled in accordance with Section 2 hereof; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (and \(C\) upon a ) Tj ET Q q 0 0 0 rg BT 112.03 208.10 Td (T) Tj ET Q q 0 0 0 rg BT 117.44 208.10 Td (ermination of Employment of the Employee occurring more than two years following the date of a Change in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (Control \(but prior to the settlement of the Employee) Tj ET Q q 0 0 0 rg BT 261.06 196.10 Td (s ) Tj ET Q q 0 0 0 rg BT 266.90 196.10 Td (Assumed PSUs\) by the Company without Cause or by the Employee for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (Good Reason \(as defined in the Plan, except that if the Employee is covered by a separate written agreement providing for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (payments upon a ) Tj ET Q q 0 0 0 rg BT 120.08 172.10 Td (T) Tj ET Q q 0 0 0 rg BT 125.49 172.10 Td (ermination of Employment for Good Reason not following a Change in Control, then as defined in such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (agreement\), then a portion of such Employee) Tj ET Q q 0 0 0 rg BT 232.99 160.10 Td (s ) Tj ET Q q 0 0 0 rg BT 238.83 160.10 Td (Assumed PSUs, equal to the full value of the ) Tj ET Q q 0 0 0 rg BT 420.48 160.10 Td (Assumed PSUs multiplied by a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (fraction, the numerator of which is the number of full and partial months that have lapsed from the first day of the Performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (Period until the date of the ) Tj ET Q q 0 0 0 rg BT 158.68 136.10 Td (T) Tj ET Q q 0 0 0 rg BT 164.09 136.10 Td (ermination of Employment and the denominator of which is the total number of months in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (Performance Period, shall become free of all restrictions and be vested and shall be settled in accordance with Section 2 hereof ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (\(for the avoidance of doubt, if an Employee who is eligible for Retirement incurs a ) Tj ET Q q 0 0 0 rg BT 383.60 112.10 Td (T) Tj ET Q q 0 0 0 rg BT 389.01 112.10 Td (ermination of Employment by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (Company without Cause or by the Employee for Good Reason, the vesting of such Employee) Tj ET Q q 0 0 0 rg BT 426.88 100.10 Td (s ) Tj ET Q q 0 0 0 rg BT 432.71 100.10 Td (Assumed PSUs shall be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (governed by subsection \(B\) hereof\). Nothing in this Section 6 shall preclude the Company from settling, upon a Change in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (Control, any Performance Share Units \(to the extent ef) Tj ET Q q 0 0 0 rg BT 268.36 76.10 Td (fectuated in accordance with ) Tj ET Q q 0 0 0 rg BT 385.34 76.10 Td (T) Tj ET Q q 0 0 0 rg BT 391.10 76.10 Td (reasury Reg. 1.409A-3\(j\)\(ix\)\). ) Tj ET Q endstream endobj 509 0 obj <> endobj 510 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (7. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 740.7669921875 m 298.9638671875 740.7669921875 l s q 0 0 0 rg BT 86.00 742.10 Td (Payment of ) Tj ET Q q 0 0 0 rg BT 134.14 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 139.90 742.10 Td (ransfer ) Tj ET Q q 0 0 0 rg BT 169.98 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 175.39 742.10 Td (axes, Fees and Other Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.96 742.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 718.10 Td (The Company agrees to pay any and all original issue taxes and stock transfer taxes that may be imposed on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (issuance of shares received by an Employee in connection with the Performance Share Units, together with any and all other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (fees and expenses necessarily incurred by the Company in connection therewith.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (8. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 671.7669921875 m 159.0419921875 671.7669921875 l s q 0 0 0 rg BT 86.00 673.10 Td (Other Restrictions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.04 673.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.00 649.10 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 649.10 Td (The Performance Share Units shall be subject to the requirement that, if at any time the Committee shall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 637.10 Td (determine that \(i\)the listing, registration or qualification of the Shares subject or related thereto upon any securities exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 625.10 Td (or under any state or federal law is required, or \(ii\)the consent or approval of any government regulatory body is required, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 613.10 Td (then in any such event, the grant of Performance Share Units shall not be ef) Tj ET Q q 0 0 0 rg BT 356.23 613.10 Td (fective unless such listing, registration, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 601.10 Td (qualification, consent or approval shall have been ef) Tj ET Q q 0 0 0 rg BT 262.63 601.10 Td (fected or obtained free of any conditions not acceptable to the Committee.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.00 577.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 577.10 Td (If the Employee is an insider as described under the Company) Tj ET Q q 0 0 0 rg BT 373.04 577.10 Td (s Insider ) Tj ET Q q 0 0 0 rg BT 409.52 577.10 Td (T) Tj ET Q q 0 0 0 rg BT 415.28 577.10 Td (rading Policy \(as in ef) Tj ET Q q 0 0 0 rg BT 503.41 577.10 Td (fect from time ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 565.10 Td (to time and any successor policies\), the Employee shall be required to obtain pre-clearance from the General Counsel or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 553.10 Td (Securities Counsel of the Company prior to purchasing or selling any of the Company) Tj ET Q q 0 0 0 rg BT 400.88 553.10 Td (s securities, including any shares issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 541.10 Td (upon vesting of the Performance Share Units, and may be prohibited from selling such securities other than during an open ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 529.10 Td (trading window) Tj ET Q q 0 0 0 rg BT 116.40 529.10 Td (. ) Tj ET Q q 0 0 0 rg BT 121.22 529.10 Td (The Employee further acknowledges that, in its discretion, the Company may prohibit the Employee from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 517.10 Td (selling such securities even during an open trading window if the Company has concerns over the potential for insider trading.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 493.10 Td (9. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 491.7669921875 m 178.587890625 491.7669921875 l s q 0 0 0 rg BT 86.00 493.10 Td (T) Tj ET Q q 0 0 0 rg BT 91.41 493.10 Td (axes and ) Tj ET Q q 0 0 0 rg BT 128.44 493.10 Td (W) Tj ET Q q 0 0 0 rg BT 137.47 493.10 Td (ithholding) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.59 493.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 469.10 Td (No later than the date as of which an amount first becomes includible in the gross income of the Employee for federal, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 457.10 Td (state, local or foreign income, employment or other tax purposes with respect to any Performance Share Units, the Employee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 445.10 Td (shall pay to the Company) Tj ET Q q 0 0 0 rg BT 151.56 445.10 Td (, or make arrangements satisfactory to the Company regarding the payment of, the minimum federal, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 433.10 Td (state, local and foreign taxes that are required by applicable laws and regulations to be withheld with respect to such amount. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 421.10 Td (The obligations of the Company under this ) Tj ET Q q 0 0 0 rg BT 223.59 421.10 Td (Agreement shall be conditioned on compliance by the Employee with this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 409.10 Td (Section9, and the Company shall, to the extent permitted by law) Tj ET Q q 0 0 0 rg BT 308.46 409.10 Td (, have the right to deduct any such taxes from any payment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 397.10 Td (otherwise due to the Employee, including deducting such amount from the delivery of shares upon settlement of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (Performance Share Units that gives rise to the withholding requirement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (10. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 362.7669921875 m 116.546875 362.7669921875 l s q 0 0 0 rg BT 86.00 364.10 Td (Notices) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.55 364.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 340.10 Td (All notices and other communications under this ) Tj ET Q q 0 0 0 rg BT 282.35 340.10 Td (Agreement shall be in writing and shall be given by hand delivery to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (the other party or by facsimile, overnight courier) Tj ET Q q 0 0 0 rg BT 244.53 328.10 Td (, or registered or certified mail, return receipt requested, postage prepaid, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (addressed as follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 295.10 Td (If to the Employee: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 274.10 Td (At the most recent address on file at the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 250.10 Td (If to the Company: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 229.10 Td (Unum Group ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 217.10 Td (1 Fountain Square ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 205.10 Td (Chattanooga, ) Tj ET Q q 0 0 0 rg BT 159.36 205.10 Td (T) Tj ET Q q 0 0 0 rg BT 164.77 205.10 Td (ennessee 37402 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 193.10 Td (Attention: Executive Compensation, Human Resources ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (or to such other address or facsimile number as any party shall have furnished to the other in writing in accordance with this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (Section10. Notices and communications shall be ef) Tj ET Q q 0 0 0 rg BT 256.99 160.10 Td (fective when actually received by the addressee. Notwithstanding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (foregoing, the Employee consents to electronic delivery of documents required to be delivered by the Company under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (securities laws.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 115.10 Td (1) Tj ET Q q 0 0 0 rg BT 54.63 115.10 Td (1. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 113.76699218750002 m 167.4453125 113.76699218750002 l s q 0 0 0 rg BT 86.00 115.10 Td (Ef) Tj ET Q q 0 0 0 rg BT 95.26 115.10 Td (fect of ) Tj ET Q q 0 0 0 rg BT 123.02 115.10 Td (Agreement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.45 115.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 91.10 Td (This ) Tj ET Q q 0 0 0 rg BT 105.73 91.10 Td (Agreement is personal to the Employee and, without the prior written consent of the Company) Tj ET Q q 0 0 0 rg BT 483.04 91.10 Td (, shall not be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 79.10 Td (assignable by the Employee otherwise than by will or the laws of descent and distribution. ) Tj ET Q q 0 0 0 rg BT 413.63 79.10 Td (This ) Tj ET Q q 0 0 0 rg BT 433.35 79.10 Td (Agreement shall inure to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 67.10 Td (benefit of and be enforceable by the Employee) Tj ET Q q 0 0 0 rg BT 239.64 67.10 Td (s legal representatives. ) Tj ET Q q 0 0 0 rg BT 332.75 67.10 Td (This ) Tj ET Q q 0 0 0 rg BT 352.48 67.10 Td (Agreement shall inure to the benefit of and be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 55.10 Td (binding upon the Company and its successors and assigns.) Tj ET Q endstream endobj 511 0 obj <> endobj 512 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (12. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 740.7669921875 m 315.423828125 740.7669921875 l s q 0 0 0 rg BT 86.00 742.10 Td (Laws ) Tj ET Q q 0 0 0 rg BT 109.61 742.10 Td (Applicable to Construction; Consent to Jurisdiction) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.42 742.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 718.10 Td (The interpretation, performance and enforcement of this ) Tj ET Q q 0 0 0 rg BT 312.57 718.10 Td (Agreement shall be governed by the laws of the State of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (Delaware without reference to principles of conflict of laws, as applied to contracts executed in and performed wholly within ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (the State of Delaware. In addition to the terms and conditions set forth in this ) Tj ET Q q 0 0 0 rg BT 360.49 694.10 Td (Agreement, the Performance Share Units are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (subject to the terms and conditions of the Plan, which is hereby incorporated by reference.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (13. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 659.7669921875 m 133.99560546875 659.7669921875 l s q 0 0 0 rg BT 86.00 661.10 Td (Severability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.67 661.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 637.10 Td (The invalidity or enforceability of any provision of this ) Tj ET Q q 0 0 0 rg BT 309.01 637.10 Td (Agreement shall not af) Tj ET Q q 0 0 0 rg BT 400.18 637.10 Td (fect the validity or enforceability of any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (other provision of this ) Tj ET Q q 0 0 0 rg BT 140.55 625.10 Td (Agreement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (14. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 602.7669921875 m 196.5224609375 602.7669921875 l s q 0 0 0 rg BT 86.00 604.10 Td (Conflicts and Interpretation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.52 604.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 580.10 Td (Except with regard to the definition of Retirement set forth in Section 1\(c\)\(iii\) hereof, in the event of any conflict ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (between this ) Tj ET Q q 0 0 0 rg BT 102.21 568.10 Td (Agreement and the Plan, the Plan shall control. In the event of any ambiguity in this ) Tj ET Q q 0 0 0 rg BT 440.47 568.10 Td (Agreement, or any matters as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (to which this ) Tj ET Q q 0 0 0 rg BT 103.61 556.10 Td (Agreement is silent, the Plan shall govern including, without limitation, the provisions thereof pursuant to which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (the Committee has the power) Tj ET Q q 0 0 0 rg BT 166.79 544.10 Td (, among others, to \(a\)interpret the Plan, \(b\)prescribe, amend and rescind rules and regulations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (relating to the Plan, and \(c\)make all other determinations deemed necessary or advisable for the administration of the Plan. ) Tj ET Q q 0 0 0 rg BT 546.32 532.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (Employee hereby acknowledges that a copy of the Plan has been made available to him and agrees to be bound by all the terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (and provisions thereof. ) Tj ET Q q 0 0 0 rg BT 144.24 508.10 Td (The Employee and the Company each acknowledge that this ) Tj ET Q q 0 0 0 rg BT 388.33 508.10 Td (Agreement \(together with the Plan\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (constitutes the entire agreement and supersedes all other agreements and understandings, both written and oral, between the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (parties or either of them, with respect to the subject matter hereof.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.10 Td (15. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 461.7669921875 m 135.43359375 461.7669921875 l s q 0 0 0 rg BT 86.00 463.10 Td (Amendment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.43 463.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 439.10 Td (The Company may modify) Tj ET Q q 0 0 0 rg BT 193.39 439.10 Td (, amend or waive the terms of the Performance Share Unit award, prospectively or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 427.10 Td (retroactively) Tj ET Q q 0 0 0 rg BT 99.88 427.10 Td (, but no such modification, amendment or waiver shall materially impair the rights of the Employee without his or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 415.10 Td (her consent, except as required by applicable law) Tj ET Q q 0 0 0 rg BT 245.93 415.10 Td (, stock exchange rules, tax rules or accounting rules. ) Tj ET Q q 0 0 0 rg BT 457.35 415.10 Td (The waiver by either ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 403.10 Td (party of compliance with any provision of this ) Tj ET Q q 0 0 0 rg BT 237.19 403.10 Td (Agreement shall not operate or be construed as a waiver of any other provision ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 391.10 Td (of this ) Tj ET Q q 0 0 0 rg BT 77.23 391.10 Td (Agreement, or of any subsequent breach by such party of a provision of this ) Tj ET Q q 0 0 0 rg BT 382.98 391.10 Td (Agreement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (16. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 368.7669921875 m 140.716796875 368.7669921875 l s q 0 0 0 rg BT 86.00 370.10 Td (Section409A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.72 370.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 346.10 Td (It is the intention of the Company that the Performance Share Units shall either \(a\) not constitute nonqualified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (deferred compensation as defined under Section 409A) Tj ET Q q 0 0 0 rg BT 271.04 334.10 Td ( of the Code, or \(b\) comply in all respects with the requirements of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (Section 409A) Tj ET Q q 0 0 0 rg BT 104.17 322.10 Td ( of the Code and the regulations promulgated thereunder) Tj ET Q q 0 0 0 rg BT 329.80 322.10 Td (, such that no delivery of or failure to deliver Shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (pursuant to this ) Tj ET Q q 0 0 0 rg BT 113.61 310.10 Td (Agreement will result in the imposition of taxation or penalties as a consequence of the application of Section ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (409A) Tj ET Q q 0 0 0 rg BT 71.67 298.10 Td ( of the Code. Performance Share Units that \(i\) constitute nonqualified deferred compensation as defined under Section ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (409A) Tj ET Q q 0 0 0 rg BT 71.67 286.10 Td ( of the Code and \(ii\) vest as a consequence of the Employee) Tj ET Q q 0 0 0 rg BT 313.81 286.10 Td (s termination of employment shall not be delivered until the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (date that the Employee incurs a separation from service within the meaning of Section 409A) Tj ET Q q 0 0 0 rg BT 428.21 274.10 Td ( of the Code \(or) Tj ET Q q 0 0 0 rg BT 491.13 274.10 Td (, if the Employee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (is a specified employee within the meaning of Section 409A) Tj ET Q q 0 0 0 rg BT 299.65 262.10 Td ( of the Code and the regulations promulgated thereunder) Tj ET Q q 0 0 0 rg BT 525.29 262.10 Td (, the date ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (that is six months following the date of such separation from service\). If the Company determines after the Grant Date that an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (amendment to this ) Tj ET Q q 0 0 0 rg BT 125.83 238.10 Td (Agreement is necessary to ensure the foregoing, it may make such an amendment, notwithstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (Section15 above, ef) Tj ET Q q 0 0 0 rg BT 131.46 226.10 Td (fective as of the Grant Date or any later date, without the consent of the Employee.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 205.10 Td (17. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 203.76699218750002 m 123.7685546875 203.76699218750002 l s q 0 0 0 rg BT 86.00 205.10 Td (Headings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.77 205.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 181.10 Td (The headings of Sections herein are included solely for convenience of reference and shall not af) Tj ET Q q 0 0 0 rg BT 473.16 181.10 Td (fect the meaning or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 169.10 Td (interpretation of any of the provisions of this ) Tj ET Q q 0 0 0 rg BT 231.08 169.10 Td (Agreement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (18. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 146.76699218750002 m 137.6552734375 146.76699218750002 l s q 0 0 0 rg BT 86.00 148.10 Td (Counterparts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.66 148.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 124.10 Td (This ) Tj ET Q q 0 0 0 rg BT 105.73 124.10 Td (Agreement may be executed in counterparts, which together shall constitute one and the same original.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 103.10 Td (19. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 101.76699218750002 m 165.1552734375 101.76699218750002 l s q 0 0 0 rg BT 86.00 103.10 Td (W) Tj ET Q q 0 0 0 rg BT 94.64 103.10 Td (aiver and Release) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.16 103.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 79.10 Td (In consideration for the granting of the Performance Share Units, the Employee hereby waives any and all claims ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 67.10 Td (whether known or unknown that the Employee may have against the Company and its Subsidiaries and ) Tj ET Q q 0 0 0 rg BT 464.92 67.10 Td (Af) Tj ET Q q 0 0 0 rg BT 475.29 67.10 Td (filiates and their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 55.10 Td (respective directors, of) Tj ET Q q 0 0 0 rg BT 141.17 55.10 Td (ficers, shareholders, agents or employees arising out of, in connection with or related to the Employee) Tj ET Q q 0 0 0 rg BT 552.15 55.10 Td (s ) Tj ET Q endstream endobj 513 0 obj <> endobj 514 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (employment, except for \(1\)claims under this ) Tj ET Q q 0 0 0 rg BT 232.17 742.10 Td (Agreement, \(2\)claims that arise after the date hereof and obligations that by their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (terms are to be performed after the date hereof, \(3\)claims for compensation or benefits under any compensation or benefit plan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (or arrangement of the Company and its Subsidiaries and ) Tj ET Q q 0 0 0 rg BT 276.89 718.10 Td (Af) Tj ET Q q 0 0 0 rg BT 287.27 718.10 Td (filiates, \(4\)claims for indemnification respecting acts or omissions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (in connection with the Employee) Tj ET Q q 0 0 0 rg BT 184.97 706.10 Td (s service as a director) Tj ET Q q 0 0 0 rg BT 270.63 706.10 Td (, of) Tj ET Q q 0 0 0 rg BT 283.78 706.10 Td (ficer or employee of the Company or any of its Subsidiaries and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (Af) Tj ET Q q 0 0 0 rg BT 60.37 694.10 Td (filiates, \(5\)claims for insurance coverage under directors) Tj ET Q q 0 0 0 rg BT 291.75 694.10 Td ( and of) Tj ET Q q 0 0 0 rg BT 319.34 694.10 Td (ficers) Tj ET Q q 0 0 0 rg BT 344.13 694.10 Td ( liability insurance policies maintained by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (Company or any of its Subsidiaries or ) Tj ET Q q 0 0 0 rg BT 203.60 682.10 Td (Af) Tj ET Q q 0 0 0 rg BT 213.97 682.10 Td (filiates, \(6\)any right the Employee may have to obtain contribution in the event of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (entry of judgment against the Company as a result of any act or failure to act for which both the Employee and the Company or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (any of its Subsidiaries or ) Tj ET Q q 0 0 0 rg BT 151.38 658.10 Td (Af) Tj ET Q q 0 0 0 rg BT 161.75 658.10 Td (filiates are jointly responsible, or \(7\) claims under the California Fair Employment and Housing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 69.26 646.10 Td (The Employee waives any and all rights under the laws of any state \(expressly including but not limited to Section1542 of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (the California Civil Code\), which is substantially similar in wording or ef) Tj ET Q q 0 0 0 rg BT 343.66 634.10 Td (fect as follows:) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 122.00 613.10 Td (A) Tj ET Q q 0 0 0 rg BT 128.12 613.10 Td ( general release does not extend to claims which the creditor does not know or suspect ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 122.00 601.10 Td (to exist in his favor at the time of executing the Release, which if known by him must ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 122.00 589.10 Td (have materially af) Tj ET Q q 0 0 0 rg BT 196.25 589.10 Td (fected his settlement with the debtor) Tj ET Q q 0 0 0 rg BT 343.19 589.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 568.10 Td (This waiver specifically includes all claims under the ) Tj ET Q q 0 0 0 rg BT 300.93 568.10 Td (Age Discrimination in Employment ) Tj ET Q q 0 0 0 rg BT 446.47 568.10 Td (Act of 1967, as amended. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (The Employee acknowledges that the Employee \(a\)has been advised to consult an attorney in connection with entering into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (this ) Tj ET Q q 0 0 0 rg BT 66.40 544.10 Td (Agreement; \(b\)has 21 days to consider this waiver and release; and \(c\)may revoke this waiver and release within seven ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (days of execution upon written notice to Legal Counsel, Employment and Labor) Tj ET Q q 0 0 0 rg BT 371.19 532.10 Td (, Law Department, Unum Group, 1 Fountain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (Square, Chattanooga, ) Tj ET Q q 0 0 0 rg BT 138.13 520.10 Td (T) Tj ET Q q 0 0 0 rg BT 143.54 520.10 Td (ennessee 37402. ) Tj ET Q q 0 0 0 rg BT 211.40 520.10 Td (The waiver and release will not become enforceable until the expiration of the seven-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (day period. If the waiver and release is revoked during such seven-day period, the grant shall be void and of no further ef) Tj ET Q q 0 0 0 rg BT 534.09 508.10 Td (fect. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (20. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 485.7669921875 m 278.7490234375 485.7669921875 l s q 0 0 0 rg BT 86.00 487.10 Td (Confidentiality of Schedule ) Tj ET Q q 0 0 0 rg BT 198.48 487.10 Td (A) Tj ET Q q 0 0 0 rg BT 205.15 487.10 Td ( to this ) Tj ET Q q 0 0 0 rg BT 234.33 487.10 Td (Agreement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.75 487.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 463.10 Td (By executing this ) Tj ET Q q 0 0 0 rg BT 157.94 463.10 Td (Agreement, the Employee acknowledges and agrees that the provisions of Schedule ) Tj ET Q q 0 0 0 rg BT 495.06 463.10 Td (A) Tj ET Q q 0 0 0 rg BT 501.73 463.10 Td ( to this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 451.10 Td (Agreement shall be deemed confidential information \(except with respect to information that becomes generally available to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 439.10 Td (the public other than as a result of disclosure by the Employee, and then only to such extent\), and that the Employee will keep ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 427.10 Td (confidential all such provisions and shall not disclose them, directly or indirectly) Tj ET Q q 0 0 0 rg BT 372.61 427.10 Td (, to any person other than the Employee) Tj ET Q q 0 0 0 rg BT 534.79 427.10 Td (s legal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 415.10 Td (advisor as necessary in obtaining legal advice \(provided that such advisor is informed of the confidential nature of such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 403.10 Td (provisions and is subject to confidentiality and non-disclosure duties or obligations with respect to such provisions that are no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 391.10 Td (less restrictive than those contained in this Section\) or as required by law or legal process.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (21. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 368.7669921875 m 125.9853515625 368.7669921875 l s q 0 0 0 rg BT 86.00 370.10 Td (Clawback) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.99 370.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 346.10 Td (Notwithstanding any provisions in this ) Tj ET Q q 0 0 0 rg BT 242.95 346.10 Td (Agreement to the contrary) Tj ET Q q 0 0 0 rg BT 347.53 346.10 Td (, any Shares or other amounts paid or provided to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (Employee pursuant to this ) Tj ET Q q 0 0 0 rg BT 156.66 334.10 Td (Agreement \(including any gains realized on Shares issued pursuant to this ) Tj ET Q q 0 0 0 rg BT 454.64 334.10 Td (Agreement\), which Shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (or amounts are subject to recovery under any law) Tj ET Q q 0 0 0 rg BT 246.50 322.10 Td (, government regulation, stock exchange listing requirement, or any policy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (adopted by the Company from time to time, will be subject to such deductions and clawback as may be required to be made ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (pursuant to such law) Tj ET Q q 0 0 0 rg BT 131.84 298.10 Td (, government regulation, stock exchange listing requirement, or policy as in ef) Tj ET Q q 0 0 0 rg BT 444.34 298.10 Td (fect from time to time.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (22. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 275.7669921875 m 132.66015625 275.7669921875 l s q 0 0 0 rg BT 86.00 277.10 Td (Disclosures) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.66 277.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 253.10 Td (Nothing in this ) Tj ET Q q 0 0 0 rg BT 147.95 253.10 Td (Agreement \(including Schedule ) Tj ET Q q 0 0 0 rg BT 277.08 253.10 Td (A) Tj ET Q q 0 0 0 rg BT 283.75 253.10 Td ( hereto\) shall be construed to restrict the Employee) Tj ET Q q 0 0 0 rg BT 490.35 253.10 Td (s ability to make ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 241.10 Td (a confidential disclosure of any trade secret or other confidential information to a government of) Tj ET Q q 0 0 0 rg BT 435.79 241.10 Td (ficial or an attorney for the sole ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 229.10 Td (purpose of reporting or assisting in the investigation of a suspected violation of law and the Employee shall not be held liable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 217.10 Td (under this ) Tj ET Q q 0 0 0 rg BT 91.67 217.10 Td (Agreement or under any federal or state trade secret law for any such disclosure. ) Tj ET Q endstream endobj 515 0 obj <> endobj 516 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (23. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 740.7669921875 m 170.1650390625 740.7669921875 l s q 0 0 0 rg BT 86.00 742.10 Td (Foreign Jurisdictions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.17 742.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 718.10 Td (This ) Tj ET Q q 0 0 0 rg BT 105.73 718.10 Td (Agreement shall be construed, interpreted and applied in such a manner as shall be necessary to comply with any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (legal or regulatory requirements of any non-United States jurisdiction to which the Employee is or becomes subject. ) Tj ET Q q 0 0 0 rg BT 516.92 706.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (Company hereby delegates to each of the of) Tj ET Q q 0 0 0 rg BT 225.59 694.10 Td (ficers of the Company the authority for the interpretation of such matters, whose ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (interpretations shall be final, binding and conclusive on the Employee and all individuals claiming any rights or benefits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (hereunder) Tj ET Q q 0 0 0 rg BT 89.42 670.10 Td (. ) Tj ET Q q 0 0 0 rg BT 94.24 670.10 Td (The following provisions shall also apply only with respect to non-U.S. employees:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 646.10 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 646.10 Td (The Employee shall have no rights under any employment agreement \(or any alleged breach of it\), whether ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (on termination of his or her employment \(whether lawfully or in breach\) or otherwise, to any damages for breach of contract in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (respect of the loss of any benefits or any rights \(including the grant or vesting of any share options or equity incentives\) that he ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (or she may have received had he or she continued to have been employed.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 586.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 586.10 Td (By executing this ) Tj ET Q q 0 0 0 rg BT 193.94 586.10 Td (Agreement, the Employee also agrees to, and shall be deemed to have provided to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (Company) Tj ET Q q 0 0 0 rg BT 88.24 574.10 Td (, the data protection and monitoring consent set forth in Schedule 1 attached hereto.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 253.95 532.10 Td ([Signatur) Tj ET Q q 0 0 0 rg BT 291.92 532.10 Td (e Page Follows]) Tj ET Q endstream endobj 517 0 obj <> endobj 518 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 742.10 Td (IN ) Tj ET Q q 0 0 0 rg BT 98.87 742.10 Td (WITNESS ) Tj ET Q q 0 0 0 rg BT 144.52 742.10 Td (WHEREOF) Tj ET Q q 0 0 0 rg BT 192.05 742.10 Td (, as of the date first above written, the Company has caused this ) Tj ET Q q 0 0 0 rg BT 448.93 742.10 Td (Agreement to be executed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (on its behalf by a duly authorized of) Tj ET Q q 0 0 0 rg BT 194.50 730.10 Td (ficer and the Employee has hereunto set the Employee) Tj ET Q q 0 0 0 rg BT 414.98 730.10 Td (s hand. ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 665.6 m 412.5 665.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 665.6 m 562.5 665.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 590.6 m 562.5 590.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.00 700.27 Td (Date: ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 113.16 700.27 Td ([Acceptance Date]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 191.17 700.27 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.00 700.27 Td (EMPLOYEE: ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 452.61 700.27 Td ([Participant Name]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 394.00 655.28 Td ([Electr) Tj ET Q q 0 0 1 rg BT 423.24 655.28 Td (onic Signatur) Tj ET Q q 0 0 1 rg BT 480.57 655.28 Td (e]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 394.00 625.27 Td (UNUM GROUP) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.00 595.27 Td (By:) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 415.00 580.28 Td ([Authorized Signatur) Tj ET Q q 0 0 1 rg BT 506.30 580.28 Td (e]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 415.00 565.28 Td ([Name]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 415.00 550.28 Td ([T) Tj ET Q q 0 0 1 rg BT 424.82 550.28 Td (itle]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL endstream endobj 519 0 obj <> endobj 520 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.20 31.60 Td (A-1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 283.35 728.7669921875 m 328.89931640625 728.7669921875 l s q 0 0 0 rg BT 283.35 730.10 Td (Schedule ) Tj ET Q q 0 0 0 rg BT 321.95 730.10 Td (A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (Subject to the terms and conditions of the ) Tj ET Q q 0 0 0 rg BT 218.31 700.10 Td (Agreement, the Employee shall earn a percentage of Performance Share Units based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (on the following two steps. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 667.10 Td (First, the number of Performance Share Units will be determined based on the following chart:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 647.6 m 231 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 646.6 m 233 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 634.6 m 231 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 632.6 m 231 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 646.6 m 233 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 648.1 m 231 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 646.6 m 378 646.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 648.1 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 634.6 m 378 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 632.6 m 379 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 646.6 m 525 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 648.1 m 527 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380 646.6 m 525 646.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 648.1 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380 634.6 m 525 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 632.6 m 525 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 632.6 m 86 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 634.6 m 84 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 632.6 m 231 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 632.6 m 233 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 632.6 m 231 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 634.6 m 231 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 596.6 m 231 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 594.6 m 231 594.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 632.6 m 233 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 632.6 m 231 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 632.6 m 379 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 632.6 m 379 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 634.6 m 378 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 596.6 m 379 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 594.6 m 379 594.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 633.6 m 379 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 632.6 m 525 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 633.6 m 527 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 632.6 m 525 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380 634.6 m 525 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 596.6 m 525 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 594.6 m 525 594.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 594.6 m 86 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 595.6 m 84 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 594.6 m 231 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 594.6 m 233 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 594.6 m 231 594.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 596.6 m 231 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 581.6 m 233 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 594.6 m 233 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 594.6 m 231 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 594.6 m 379 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 594.6 m 379 594.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 596.6 m 379 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 581.6 m 379 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 595.6 m 379 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 594.6 m 525 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 595.6 m 527 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 594.6 m 525 594.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 596.6 m 525 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 581.6 m 527 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 581.6 m 86 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 581.6 m 84 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 581.6 m 231 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 581.6 m 233 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 581.6 m 232 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 568.6 m 232 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 581.6 m 233 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 581.6 m 231 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 581.6 m 379 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 581.6 m 379 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 568.6 m 379 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 581.6 m 379 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 581.6 m 525 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 581.6 m 527 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 581.6 m 526 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 568.6 m 526 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 568.6 m 86 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 568.6 m 84 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 568.6 m 231 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 568.6 m 233 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 568.6 m 232 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 555.6 m 232 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 568.6 m 233 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 568.6 m 231 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 568.6 m 379 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 568.6 m 379 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 555.6 m 379 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 568.6 m 379 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 568.6 m 525 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 568.6 m 527 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 568.6 m 526 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 555.6 m 526 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 555.6 m 86 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 555.6 m 84 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 555.6 m 231 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 555.6 m 233 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 555.6 m 232 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 542.6 m 232 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 555.6 m 233 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 555.6 m 231 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 555.6 m 379 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 555.6 m 379 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 542.6 m 379 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 555.6 m 379 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 555.6 m 525 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 555.6 m 527 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 555.6 m 526 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 542.6 m 526 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 542.6 m 86 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 542.6 m 84 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 542.6 m 231 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 542.6 m 233 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 542.6 m 232 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 529.6 m 232 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 542.6 m 233 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 542.6 m 231 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 542.6 m 379 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 542.6 m 379 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 529.6 m 379 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 542.6 m 379 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 542.6 m 525 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 542.6 m 527 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 542.6 m 526 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 529.6 m 526 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 529.6 m 86 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 529.6 m 84 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 529.6 m 231 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 529.6 m 233 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 529.6 m 232 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 516.6 m 232 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 529.6 m 233 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 529.6 m 231 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 529.6 m 379 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 529.6 m 379 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 516.6 m 379 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 529.6 m 379 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 529.6 m 525 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 529.6 m 527 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 529.6 m 526 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 516.6 m 526 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 516.6 m 86 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 516.6 m 84 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 516.6 m 231 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 516.6 m 233 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 516.6 m 232 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 503.6 m 232 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 516.6 m 233 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 516.6 m 231 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 516.6 m 379 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 516.6 m 379 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 503.6 m 379 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 516.6 m 379 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 516.6 m 525 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 516.6 m 527 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 516.6 m 526 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 503.6 m 526 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 503.6 m 86 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 503.6 m 84 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 503.6 m 231 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 503.6 m 233 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 503.6 m 232 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 490.6 m 232 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 503.6 m 233 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 503.6 m 231 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 503.6 m 379 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 503.6 m 379 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 490.6 m 379 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 503.6 m 379 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 503.6 m 525 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 503.6 m 527 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 503.6 m 526 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 490.6 m 526 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 490.6 m 86 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 490.6 m 84 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 490.6 m 231 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 490.6 m 233 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 490.6 m 232 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 477.6 m 231 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 475.6 m 232 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 490.6 m 233 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 490.6 m 231 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 490.6 m 379 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 490.6 m 379 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 477.6 m 379 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 475.6 m 379 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 490.6 m 379 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 490.6 m 525 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 490.6 m 527 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 490.6 m 526 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 477.6 m 525 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 475.6 m 527 475.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.90 638.17 Td (Performance Metrics*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.65 612.27 Td (Percentage of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.30 600.27 Td (Performance Share Units Earned) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.20 620.27 Td (A) Tj ET Q q 0 0 0 rg BT 251.05 620.27 Td (verage ) Tj ET Q q 0 0 0 rg BT 279.73 620.27 Td (Three-Y) Tj ET Q q 0 0 0 rg BT 313.01 620.27 Td (ear ) Tj ET Q q 0 0 0 rg BT 326.94 620.27 Td (After) Tj ET Q q 0 0 0 rg BT 347.66 620.27 Td (-T) Tj ET Q q 0 0 0 rg BT 356.65 620.27 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.75 610.27 Td (Adjusted Operating Earnings Per) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.60 600.27 Td (Share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.70 624.17 Td (A) Tj ET Q q 0 0 0 rg BT 399.18 624.17 Td (verage ) Tj ET Q q 0 0 0 rg BT 428.14 624.17 Td (Three-Y) Tj ET Q q 0 0 0 rg BT 461.01 624.17 Td (ear ) Tj ET Q q 0 0 0 rg BT 475.17 624.17 Td (Adjusted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.00 612.17 Td (Operating) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.55 600.17 Td (Return on Equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.30 586.17 Td ( 50%) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 295.40 586.28 Td ($[ ]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 439.90 586.28 Td ([ ]%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 149.65 572.33 Td ([]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 295.40 572.33 Td ($[ ]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 439.90 572.33 Td ([ ]%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 149.65 559.33 Td ([]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 295.40 559.33 Td ($[ ]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 439.90 559.33 Td ([ ]%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 149.65 546.33 Td ([]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 295.40 546.33 Td ($[ ]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 439.90 546.33 Td ([ ]%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 149.65 533.33 Td ([]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 295.40 533.33 Td ($[ ]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 439.90 533.33 Td ([ ]%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 149.65 520.33 Td ([]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 295.40 520.33 Td ($[ ]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 439.90 520.33 Td ([ ]%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 149.65 507.33 Td ([]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 295.40 507.33 Td ($[ ]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 439.90 507.33 Td ([ ]%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 149.65 494.33 Td ([]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 295.40 494.33 Td ($[ ]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 439.90 494.33 Td ([ ]%) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 146.30 481.17 Td (150%) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 295.40 481.28 Td ($[ ]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 439.90 481.28 Td ([ ]%) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.00 465.50 Td (*If ) Tj ET Q q 0 0 0 rg BT 59.89 465.50 Td (Additional ) Tj ET Q q 0 0 0 rg BT 95.66 465.50 Td (Adjustment Items are applied to actual performance metrics, applicable adjustments may also be made to the tar) Tj ET Q q 0 0 0 rg BT 454.28 465.50 Td (gets listed in this table.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 444.50 Td (Each of the performance metrics above shall be weighted equally at 50 percent. Results that are in between the numbers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 432.50 Td (appearing on the chart shall be interpolated on a straight line basis and then rounded to the nearest tenth of a percentage.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 411.50 Td (Second, the final number of Performance Share Units earned will be determined by adjusting the number of Performance Share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 399.50 Td (Units derived from the chart above and multiplying it by the ) Tj ET Q q 0 0 0 rg BT 293.37 399.50 Td (TSR Factor as set forth in the chart below based on the ) Tj ET Q q 0 0 0 rg BT 515.36 399.50 Td (TSR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 387.50 Td (Percentile Ranking \(as defined below\):) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 367 m 86 355 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 368.5 m 84 354 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 367 m 306 355 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 367 m 306 367 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 368.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 355 m 306 355 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 353 m 306 353 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 368 m 306 354 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 367 m 525 355 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 368.5 m 527 354 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 367 m 525 367 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 368.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 355 m 525 355 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 353 m 525 353 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 353 m 86 340 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 354 m 84 340 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 353 m 306 340 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 353 m 306 353 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 355 m 306 355 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 340 m 306 340 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 354 m 306 340 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 353 m 525 340 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 354 m 527 340 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 353 m 525 353 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 355 m 525 355 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 340 m 527 340 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 340 m 86 326 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 340 m 84 326 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 340 m 306 326 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 340 m 306 340 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 326 m 306 326 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 340 m 306 326 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 340 m 525 326 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 340 m 527 326 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 340 m 526 340 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 326 m 526 326 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 326 m 86 312 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 326 m 84 312 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 326 m 306 312 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 326 m 306 326 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 312 m 306 312 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 326 m 306 312 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 326 m 525 312 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 326 m 527 312 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 326 m 526 326 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 312 m 526 312 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 312 m 86 298 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 312 m 84 298 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 312 m 306 298 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 312 m 306 312 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 298 m 306 298 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 312 m 306 298 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 312 m 525 298 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 312 m 527 298 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 312 m 526 312 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 298 m 526 298 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 298 m 86 285 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 298 m 84 283 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 298 m 306 285 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 298 m 306 298 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 285 m 306 285 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 283 m 306 283 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 298 m 306 284 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 298 m 525 285 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 298 m 527 283 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 298 m 526 298 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 285 m 525 285 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 283 m 527 283 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.35 358.57 Td (TSR Percentile Ranking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.30 358.57 Td (TSR Factor) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.20 344.57 Td (75% or above) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.25 344.57 Td (1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.05 330.57 Td (62.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.25 330.57 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.80 316.57 Td (50%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.25 316.57 Td (1.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.05 302.57 Td (42.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.25 302.57 Td (0.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.95 288.57 Td (35% or below) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.25 288.57 Td (0.8) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 263.50 Td (If the ) Tj ET Q q 0 0 0 rg BT 73.70 263.50 Td (TSR Percentile Ranking is in between the numbers appearing on the chart, the ) Tj ET Q q 0 0 0 rg BT 388.98 263.50 Td (TSR Factor shall be calculated based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 251.50 Td (straight line interpolation, rounded to the nearest hundredth of a point, with the final number of Performance Share Units ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 239.50 Td (earned rounded to three decimal places.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 218.50 Td (Additional ) Tj ET Q q 0 0 0 rg BT 99.16 218.50 Td (Adjustment Items shall mean any of the following to the extent not included or assumed in the Company) Tj ET Q q 0 0 0 rg BT 525.46 218.50 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 206.50 Td (financial plans for fiscal years ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 173.00 206.50 Td ([Y) Tj ET Q q 0 0 1 rg BT 182.45 206.50 Td (ear]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 199.65 206.50 Td ( to ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 212.43 206.50 Td ([Y) Tj ET Q q 0 0 1 rg BT 221.88 206.50 Td (ear+2]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 249.78 206.50 Td ( as of the date of this ) Tj ET Q q 0 0 0 rg BT 335.04 206.50 Td (Agreement: \(i\) adjustments resulting from accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 194.50 Td (policy changes, legal or regulatory rule or law changes; \(ii\) the impact of any acquisitions, divestitures or block reinsurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 182.50 Td (transactions; \(iii\) adjustments to the closed block of business; \(iv\) the ef) Tj ET Q q 0 0 0 rg BT 337.81 182.50 Td (fect of any regulatory) Tj ET Q q 0 0 0 rg BT 423.51 182.50 Td (, legal or tax settlements; \(v\) the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 170.50 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 170.50 Td (fect of changes to strategic asset allocation; \(vi\) debt issuance, repurchasing or retirement, or stock repurchase or issuance; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 158.50 Td (\(vii\) the ef) Tj ET Q q 0 0 0 rg BT 92.02 158.50 Td (fect of dif) Tj ET Q q 0 0 0 rg BT 131.26 158.50 Td (ferences between actual foreign currency exchange rates and those assumed in the financial plans; and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 146.50 Td (\(viii\)fees or assessments, including tax assessments, from legislation enacted after the date hereof.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 125.50 Td (Adjusted Operating Return on Equity shall mean, with respect to a fiscal year) Tj ET Q q 0 0 0 rg BT 368.67 125.50 Td (, the Company) Tj ET Q q 0 0 0 rg BT 430.05 125.50 Td (s ) Tj ET Q q 0 0 0 rg BT 435.89 125.50 Td (After) Tj ET Q q 0 0 0 rg BT 456.79 125.50 Td (-T) Tj ET Q q 0 0 0 rg BT 465.53 125.50 Td (ax ) Tj ET Q q 0 0 0 rg BT 476.91 125.50 Td (Adjusted Operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 113.50 Td (Earnings for such fiscal year divided by the average of the beginning and end of year stockholders) Tj ET Q q 0 0 0 rg BT 445.79 113.50 Td ( equity for such fiscal year) Tj ET Q q 0 0 0 rg BT 551.73 113.50 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 101.50 Td (adjusted to exclude the accumulated net unrealized gain or loss on securities, the accumulated net gain or loss on cash flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 89.50 Td (hedges and any ) Tj ET Q q 0 0 0 rg BT 113.59 89.50 Td (Additional ) Tj ET Q q 0 0 0 rg BT 158.32 89.50 Td (Adjustment Items, expressed as a percentage.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 68.50 Td (After) Tj ET Q q 0 0 0 rg BT 75.34 68.50 Td (-T) Tj ET Q q 0 0 0 rg BT 84.08 68.50 Td (ax ) Tj ET Q q 0 0 0 rg BT 95.46 68.50 Td (Adjusted Operating Earnings Per Share shall mean, with respect to a fiscal year) Tj ET Q q 0 0 0 rg BT 417.46 68.50 Td (, the Company) Tj ET Q q 0 0 0 rg BT 478.84 68.50 Td (s after) Tj ET Q q 0 0 0 rg BT 503.34 68.50 Td (-tax net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 56.50 Td (income or loss for such fiscal year) Tj ET Q q 0 0 0 rg BT 186.78 56.50 Td (, adjusted to exclude after) Tj ET Q q 0 0 0 rg BT 289.59 56.50 Td (-tax net realized investment gains or losses and any ) Tj ET Q q 0 0 0 rg BT 497.03 56.50 Td (Additional ) Tj ET Q endstream endobj 521 0 obj <> endobj 522 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.20 31.60 Td (A-2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Adjustment Items \(After) Tj ET Q q 0 0 0 rg BT 152.55 742.10 Td (-T) Tj ET Q q 0 0 0 rg BT 161.29 742.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 172.68 742.10 Td (Adjusted Operating Earnings\), divided by the weighted-average number of shares of common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (stock of the Company outstanding for such fiscal year \(assuming dilution\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (A) Tj ET Q q 0 0 0 rg BT 60.92 709.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 89.88 709.10 Td (Three-Y) Tj ET Q q 0 0 0 rg BT 122.75 709.10 Td (ear ) Tj ET Q q 0 0 0 rg BT 136.90 709.10 Td (Adjusted Operating Return on Equity shall mean the average of the ) Tj ET Q q 0 0 0 rg BT 412.66 709.10 Td (Adjusted Operating Return on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (Equity for each of the Company) Tj ET Q q 0 0 0 rg BT 181.35 697.10 Td (s fiscal years ending on December 31, ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 336.30 697.10 Td ([Y) Tj ET Q q 0 0 1 rg BT 345.74 697.10 Td (ear]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 362.95 697.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 367.95 697.10 Td ([Y) Tj ET Q q 0 0 1 rg BT 377.39 697.10 Td (ear+1]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 405.30 697.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 424.74 697.10 Td ([Y) Tj ET Q q 0 0 1 rg BT 434.18 697.10 Td (ear+2]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 462.08 697.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (A) Tj ET Q q 0 0 0 rg BT 60.92 676.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 89.88 676.10 Td (Three-Y) Tj ET Q q 0 0 0 rg BT 122.75 676.10 Td (ear ) Tj ET Q q 0 0 0 rg BT 136.90 676.10 Td (After) Tj ET Q q 0 0 0 rg BT 157.80 676.10 Td (-T) Tj ET Q q 0 0 0 rg BT 166.54 676.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 177.93 676.10 Td (Adjusted Operating Earnings Per Share shall mean the average of the ) Tj ET Q q 0 0 0 rg BT 461.45 676.10 Td (After) Tj ET Q q 0 0 0 rg BT 482.34 676.10 Td (-T) Tj ET Q q 0 0 0 rg BT 491.08 676.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 502.47 676.10 Td (Adjusted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (Operating Earnings Per Share for each of the Company) Tj ET Q q 0 0 0 rg BT 273.82 664.10 Td (s fiscal years ending on December 31, ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 428.76 664.10 Td ([Y) Tj ET Q q 0 0 1 rg BT 438.21 664.10 Td (ear]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 455.42 664.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 460.42 664.10 Td ([Y) Tj ET Q q 0 0 1 rg BT 469.86 664.10 Td (ear+1]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 497.76 664.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 517.20 664.10 Td ([Y) Tj ET Q q 0 0 1 rg BT 526.65 664.10 Td (ear+2]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 554.55 664.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 643.10 Td (Peer Group shall mean the following group of peer companies: ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 315.75 643.10 Td ([) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 319.08 643.10 Td (List of Peer) Tj ET Q q 0 0 1 rg BT 368.33 643.10 Td ( Companies) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 418.61 643.10 Td (]) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.94 643.10 Td (. ) Tj ET Q q 0 0 0 rg BT 428.89 643.10 Td (A) Tj ET Q q 0 0 0 rg BT 435.56 643.10 Td ( company shall be removed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 631.10 Td (from the Peer Group if it: \(i\) ceases to be a domestically domiciled publicly traded company on a national stock exchange or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 619.10 Td (market system, unless such cessation of such listing is due to a low stock price or low trading volume; \(ii\) has gone private; \(iii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 607.10 Td (has reincorporated in a foreign \(e.g., non-U.S.\) jurisdiction, regardless of whether it is a reporting company in that or another ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 595.10 Td (jurisdiction; or \(iv\) has been acquired by another company \(whether by another company in the Peer Group or otherwise, but ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 583.10 Td (not including internal reor) Tj ET Q q 0 0 0 rg BT 154.51 583.10 Td (ganizations\) or has sold all or substantially all of its assets. ) Tj ET Q q 0 0 0 rg BT 391.14 583.10 Td (A) Tj ET Q q 0 0 0 rg BT 397.81 583.10 Td ( company that is removed from the Peer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 571.10 Td (Group before the end of the Performance Period will be excluded from the calculation of ) Tj ET Q q 0 0 0 rg BT 407.74 571.10 Td (TSR Percentile Ranking.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (T) Tj ET Q q 0 0 0 rg BT 59.85 550.10 Td (otal Shareholder Return shall mean total shareholder return as applied to the Company or any company in the Peer Group, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (determined by comparing the average of the applicable company) Tj ET Q q 0 0 0 rg BT 312.11 538.10 Td (s closing stock prices over the 20 trading days immediately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (preceding the first day of the Performance Period with the average of the applicable company) Tj ET Q q 0 0 0 rg BT 427.08 526.10 Td (s closing stock prices over the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (last 20 trading days of the Performance Period, including dividends and distributions made or) Tj ET Q q 0 0 0 rg BT 423.97 514.10 Td (, with respect to which a record ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (date has occurred, declared \(assuming such dividends or distributions are reinvested in the common stock of the Company or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (any company in the Peer Group\) during the Performance Period.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 469.10 Td (TSR Percentile Ranking shall mean the relative ranking of the Company) Tj ET Q q 0 0 0 rg BT 351.58 469.10 Td (s ) Tj ET Q q 0 0 0 rg BT 357.79 469.10 Td (T) Tj ET Q q 0 0 0 rg BT 363.20 469.10 Td (otal Shareholder Return as compared to the ) Tj ET Q q 0 0 0 rg BT 538.80 469.10 Td (T) Tj ET Q q 0 0 0 rg BT 544.21 469.10 Td (otal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 457.10 Td (Shareholder Returns of the Peer Group companies, expressed as a percentile ranking.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (Except as provided in Section 20 of the ) Tj ET Q q 0 0 0 rg BT 209.41 436.10 Td (Agreement, the provisions of this Schedule ) Tj ET Q q 0 0 0 rg BT 384.10 436.10 Td (A) Tj ET Q q 0 0 0 rg BT 390.77 436.10 Td ( are strictly confidential and shall not be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (disclosed, directly or indirectly) Tj ET Q q 0 0 0 rg BT 173.76 424.10 Td (, to any person other than the Employee) Tj ET Q q 0 0 0 rg BT 335.94 424.10 Td (s legal advisor as necessary in obtaining legal advice ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (\(provided that such advisor is informed of the confidential nature of such information and is subject to confidentiality and non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (disclosure duties or obligations with respect to such information that are no less restrictive than the provisions of Section\) or as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (required by law or legal process. ) Tj ET Q endstream endobj 523 0 obj <> endobj 524 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 204.00 730.10 Td (SCHEDULE 1 \(FOR NON-U.S. EMPLOYEES\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (Data Pr) Tj ET Q q 0 0 0 rg BT 83.42 706.10 Td (otection and Monitoring Consent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 685.10 Td (o: ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 86.00 685.10 Td ([Name of Employer]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 173.20 685.10 Td ( \(the Company\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (I consent to the Company and ) Tj ET Q q 0 0 0 rg BT 171.65 664.10 Td (Af) Tj ET Q q 0 0 0 rg BT 182.02 664.10 Td (filiates holding and processing information about me for legal, personnel, administrative and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (management purposes and, in particular) Tj ET Q q 0 0 0 rg BT 209.27 652.10 Td (, holding and processing: \(a\)my health records and any medical reports to monitor sick ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (leave and sick pay) Tj ET Q q 0 0 0 rg BT 122.93 640.10 Td (, to administer benefits and take decisions as to my fitness to work or the need for adjustments in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (workplace; \(b\) information required to carry out performance reviews, disciplinary and grievance procedures, internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (investigations and considering reports \(which may be submitted anonymously\) under any whistle-blowing procedure; \(c\)any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (information relating to criminal proceedings in which I have been involved; and \(d\) to comply with legal requirements and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (obligations to third parties \(my Personal Data\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 571.10 Td (I agree that the Company may make my Personal Data available to ) Tj ET Q q 0 0 0 rg BT 319.36 571.10 Td (Af) Tj ET Q q 0 0 0 rg BT 329.73 571.10 Td (filiates, those who provide products or services to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 559.10 Td (Company and ) Tj ET Q q 0 0 0 rg BT 107.77 559.10 Td (Af) Tj ET Q q 0 0 0 rg BT 118.14 559.10 Td (filiates \(such as advisers and payroll administrators\), regulatory authorities, potential or future employers, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 547.10 Td (governmental or quasi-governmental or) Tj ET Q q 0 0 0 rg BT 208.38 547.10 Td (ganisations, current or potential investors and potential purchasers of the Company or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 535.10 Td (the business in which I work.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (I hereby consent to the transfer of my Personal Data to any ) Tj ET Q q 0 0 0 rg BT 287.71 514.10 Td (Af) Tj ET Q q 0 0 0 rg BT 298.08 514.10 Td (filiate established outside the European Economic ) Tj ET Q q 0 0 0 rg BT 500.24 514.10 Td (Area, and in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (particular to the United States. I acknowledge that these countries may not have laws in place to adequately protect my privacy) Tj ET Q q 0 0 0 rg BT 557.23 502.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 481.10 Td (I understand that all communications \(whether by telephone, email or any other means\) which are transmitted, undertaken or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 469.10 Td (received using Company property or on Company premises will be treated by the Company as work related and are subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 457.10 Td (occasional interception, recording and monitoring without further notice. I do not regard any such communications as private ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 445.10 Td (and I consent to such interception, recording and monitoring. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (Interception, recording and monitoring of communications is intended to protect the Company) Tj ET Q q 0 0 0 rg BT 430.46 424.10 Td (s business interests \(for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (example, but without limitation, for the purposes of quality control, security of communication and IT) Tj ET Q q 0 0 0 rg BT 458.34 412.10 Td ( systems, record-keeping ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (and evidential requirements, detection and prevention of criminal activity or misconduct and to assist the Company to comply ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (with relevant legal requirements\). I acknowledge that intercepted communications may be used as evidence in any disciplinary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (or legal proceedings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 355.10 Td (I have read, understood and agreed to the above of my own free will.) Tj ET Q endstream endobj 525 0 obj <> endobj 526 0 obj <> stream BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 505.3 759.18505859375 m 561.9796875 759.18505859375 l s q 0 0 0 rg BT 505.30 760.75 Td (Exhibit 10.40) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 155.55 730.10 Td (PERFORMANCE SHARE UNIT) Tj ET Q q 0 0 0 rg BT 298.71 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 300.66 730.10 Td (AGREEMENT) Tj ET Q q 0 0 0 rg BT 366.04 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 368.36 730.10 Td (WITH EMPLOYEE ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 153.50 718.10 Td (\(Unum Gr) Tj ET Q q 0 0 0 rg BT 198.04 718.10 Td (oup Stock Incentive Plan of 2017 - UK and Ir) Tj ET Q q 0 0 0 rg BT 390.38 718.10 Td (eland Sub-plan\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.00 697.10 Td (THIS ) Tj ET Q q 0 0 0 rg BT 98.17 697.10 Td (AGREEMENT) Tj ET Q q 0 0 0 rg BT 159.65 697.10 Td ( \(the Agreement\), dated as of ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 287.64 697.10 Td ([Grant Date]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 342.90 697.10 Td (, is entered into by and between Unum Group, a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (Delaware corporation \(the Company\), and ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 230.48 685.10 Td ([Participant Name]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 312.95 685.10 Td ( \(the Employee\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.80 664.10 Td (W) Tj ET Q q 0 0 0 rg BT 273.06 664.10 Td ( I ) Tj ET Q q 0 0 0 rg BT 281.21 664.10 Td (T) Tj ET Q q 0 0 0 rg BT 287.13 664.10 Td ( N E S S E ) Tj ET Q q 0 0 0 rg BT 332.52 664.10 Td (T) Tj ET Q q 0 0 0 rg BT 338.44 664.10 Td ( H) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.00 643.10 Td (In consideration of the mutual promises and covenants made herein and the mutual benefits to be derived herefrom, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 631.10 Td (parties hereto agree as follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (1. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 608.7669921875 m 316.8642578125 608.7669921875 l s q 0 0 0 rg BT 86.00 610.10 Td (Grant, ) Tj ET Q q 0 0 0 rg BT 113.59 610.10 Td (V) Tj ET Q q 0 0 0 rg BT 119.70 610.10 Td (esting and Forfeiture of Performance Share Units) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.86 610.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 586.10 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 122 584.7669921875 m 144.7685546875 584.7669921875 l s q 0 0 0 rg BT 122.00 586.10 Td (Grant) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.77 586.10 Td (. Subject to the provisions of this ) Tj ET Q q 0 0 0 rg BT 278.66 586.10 Td (Agreement and to the provisions of the UK and Ireland Sub-plan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (\(Sub-plan\) of the Unum Group Stock Incentive Plan of 2017 \(the Plan\), the Company hereby grants to the Employee, as of ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 50.00 562.10 Td ([Grant Date]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 105.26 562.10 Td ( \(the Grant Date\), ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 187.16 562.10 Td ([Number) Tj ET Q q 0 0 1 rg BT 225.86 562.10 Td ( of ) Tj ET Q q 0 0 1 rg BT 238.64 562.10 Td (A) Tj ET Q q 0 0 1 rg BT 245.12 562.10 Td (wards Granted]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 313.17 562.10 Td ( Performance Share Units \(the Performance Share Units\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (each with respect to one share of common stock of the Company) Tj ET Q q 0 0 0 rg BT 308.44 550.10 Td (, par value $0.10 per Share. ) Tj ET Q q 0 0 0 rg BT 420.35 550.10 Td (All capitalized terms used herein, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (to the extent not defined, shall have the meaning set forth in the Sub-plan and the Plan.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 514.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 122 512.7669921875 m 339.1484375 512.7669921875 l s q 0 0 0 rg BT 122.00 514.10 Td (Earning Performance Share Units/Performance Period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.15 514.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 490.10 Td (\(i\) ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 158 488.7669921875 m 292.677734375 488.7669921875 l s q 0 0 0 rg BT 158.00 490.10 Td (Earning Performance Share Units) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.68 490.10 Td (. Subject to Section 1\(b\)\(ii\) and 1\(c\) below) Tj ET Q q 0 0 0 rg BT 466.15 490.10 Td (, the Employee shall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (earn a percentage of Performance Share Units in accordance with Schedule ) Tj ET Q q 0 0 0 rg BT 352.92 478.10 Td (A) Tj ET Q q 0 0 0 rg BT 359.59 478.10 Td ( on the date that the Committee certifies that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (Company has achieved the performance goals set forth on Schedule ) Tj ET Q q 0 0 0 rg BT 323.25 466.10 Td (A, which date shall be no later than two and a half months ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (after the end of the performance period extending from January 1, ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 316.56 454.10 Td ([Y) Tj ET Q q 0 0 1 rg BT 326.00 454.10 Td (ear]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 343.21 454.10 Td ( to December 31, ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 414.57 454.10 Td ([Y) Tj ET Q q 0 0 1 rg BT 424.01 454.10 Td (ear+2]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 451.92 454.10 Td (, inclusive \(the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (Performance Period\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 418.10 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 158 416.7669921875 m 237.6923828125 416.7669921875 l s q 0 0 0 rg BT 158.00 418.10 Td (Performance Period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.69 418.10 Td (. Subject to the terms and conditions of this ) Tj ET Q q 0 0 0 rg BT 415.73 418.10 Td (Agreement, the Performance Share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (Units earned pursuant to Section 1\(b\)\(i\) shall vest and no longer be subject to any restriction upon the expiration of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (Performance Period.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 370.10 Td (\(c\) ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 122 368.7669921875 m 235.720703125 368.7669921875 l s q 0 0 0 rg BT 122.00 370.10 Td (T) Tj ET Q q 0 0 0 rg BT 127.41 370.10 Td (ermination ) Tj ET Q q 0 0 0 rg BT 173.23 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 184.06 370.10 Td (Employment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.72 370.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 346.10 Td (\(i\) ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 158 344.7669921875 m 189.6455078125 344.7669921875 l s q 0 0 0 rg BT 158.00 346.10 Td (General) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.65 346.10 Td (. Upon the Employee) Tj ET Q q 0 0 0 rg BT 279.90 346.10 Td (s ) Tj ET Q q 0 0 0 rg BT 286.12 346.10 Td (T) Tj ET Q q 0 0 0 rg BT 291.53 346.10 Td (ermination of Employment for any reason \(other than as specified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (in Section 1\(c\)\(ii\) or 1\(c\)\(iii\) below\) during the Performance Period, all Performance Share Units still subject to restriction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (shall be forfeited.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 298.10 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 158 296.7669921875 m 356.0224609375 296.7669921875 l s q 0 0 0 rg BT 158.00 298.10 Td (Job Elimination or Requalification; Good Reason) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.02 298.10 Td (. In the event of the Employee) Tj ET Q q 0 0 0 rg BT 482.09 298.10 Td (s ) Tj ET Q q 0 0 0 rg BT 488.30 298.10 Td (T) Tj ET Q q 0 0 0 rg BT 493.71 298.10 Td (ermination of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (Employment during the Performance Period by the Company as a result of job elimination or requalification, the Employee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (shall earn a number of Performance Share Units equal to the product of \(x\)the number of Performance Share Units determined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (in accordance with Section 1\(b\)\(i\) and \(y\) a fraction, the numerator of which is the number of full and partial months that have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (lapsed from the first day of the Performance Period until the date of the ) Tj ET Q q 0 0 0 rg BT 338.06 250.10 Td (T) Tj ET Q q 0 0 0 rg BT 343.47 250.10 Td (ermination of Employment and the denominator of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (which is the total number of months in the Performance Period; ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 306.89 238.10 Td (pr) Tj ET Q q 0 0 0 rg BT 315.41 238.10 Td (ovided) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.07 238.10 Td (, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 347.07 238.10 Td (that) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.62 238.10 Td (, in the case of the Employee) Tj ET Q q 0 0 0 rg BT 481.19 238.10 Td (s ) Tj ET Q q 0 0 0 rg BT 487.40 238.10 Td (T) Tj ET Q q 0 0 0 rg BT 492.81 238.10 Td (ermination of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (Employment under such circumstances, the Employee does not breach the PSU Restrictions \(as defined in Section 5 below\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (and the Employee executes and submits to the Company within 10 business days following the last day of each year during the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (Restricted Period \(as defined in Section 5 below\) a certification in the form provided to the Employee by the Company that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (states that the Employee has adhered to and complied with the PSU Restrictions \(the Certification\). Such Performance Share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (Units shall be settled at such time as Performance Share Units would be settled in accordance with Section2. For the avoidance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (of doubt, in the event that the Employee incurs a ) Tj ET Q q 0 0 0 rg BT 246.71 166.10 Td (T) Tj ET Q q 0 0 0 rg BT 252.12 166.10 Td (ermination of Employment during the Performance Period by the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (as a result of job elimination or requalification and the Employee fails to comply with the PSU Restrictions or fails to execute ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (and submit the Certification, the Performance Share Units will be forfeited. ) Tj ET Q q 0 0 0 rg BT 353.90 142.10 Td (The benefits and conditions \(including the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (obligations to adhere to and comply with the PSU Restrictions and the requirement to execute and submit the Certification\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (described this Section 1\(c\)\(ii\) shall also apply upon a ) Tj ET Q q 0 0 0 rg BT 265.04 118.10 Td (T) Tj ET Q q 0 0 0 rg BT 270.45 118.10 Td (ermination of Employment by the Employee for Good Reason if the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (Company has entered into a separate written agreement with the Employee providing for payments upon a ) Tj ET Q q 0 0 0 rg BT 478.02 106.10 Td (T) Tj ET Q q 0 0 0 rg BT 483.43 106.10 Td (ermination of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (Employment for Good Reason not following a Change in Control, in which case Good Reason shall have the meaning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (ascribed to it in such agreement; ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 182.18 82.10 Td (pr) Tj ET Q q 0 0 0 rg BT 190.70 82.10 Td (ovided) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.35 82.10 Td (, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 222.35 82.10 Td (that) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.91 82.10 Td (, if the Employee is eligible for Retirement at the time of the Employee) Tj ET Q q 0 0 0 rg BT 525.60 82.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 70.10 Td (ermination of Employment by the Employee for Good Reason, the vesting of such Employee) Tj ET Q q 0 0 0 rg BT 430.88 70.10 Td (s Performance Share Units shall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (be governed by Section 1\(c\)\(iii\) below) Tj ET Q q 0 0 0 rg BT 204.02 58.10 Td (.) Tj ET Q endstream endobj 527 0 obj <> endobj 528 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 742.10 Td (\(iii\) ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 158 740.7669921875 m 270.98095703125 740.7669921875 l s q 0 0 0 rg BT 158.00 742.10 Td (Retirement/Death/Disability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.66 742.10 Td (. In the event of the Employee) Tj ET Q q 0 0 0 rg BT 396.73 742.10 Td (s ) Tj ET Q q 0 0 0 rg BT 402.94 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 408.35 742.10 Td (ermination of Employment during the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (Performance Period due to the Employee) Tj ET Q q 0 0 0 rg BT 217.45 730.10 Td (s death, Disability or Retirement, the Employee shall earn a number of Performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (Share Units equal to the number of Performance Share Units determined in accordance with Section 1\(b\)\(i\), assuming that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (Employee had remained employed through the Performance Period; ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.91 706.10 Td (pr) Tj ET Q q 0 0 0 rg BT 333.43 706.10 Td (ovided) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.09 706.10 Td (, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 365.09 706.10 Td (that) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.64 706.10 Td (, in the case of the Employee) Tj ET Q q 0 0 0 rg BT 499.21 706.10 Td (s Retirement or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (Disability) Tj ET Q q 0 0 0 rg BT 88.79 694.10 Td (, the Employee does not breach the PSU Restrictions and the Employee \(or in the case of the Employee) Tj ET Q q 0 0 0 rg BT 505.07 694.10 Td (s Disability) Tj ET Q q 0 0 0 rg BT 550.25 694.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (the Employee) Tj ET Q q 0 0 0 rg BT 108.04 682.10 Td (s legal representative on behalf of the Employee, if applicable\) executes and submits to the Company within 10 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (business days following the last day of each year during the Restricted Period the Certification. Such Performance Share Units ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (shall be settled at such time as Performance Share Units would be settled in accordance with Section 2. For the avoidance of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (doubt, in the event that the Employee incurs a ) Tj ET Q q 0 0 0 rg BT 235.88 646.10 Td (T) Tj ET Q q 0 0 0 rg BT 241.29 646.10 Td (ermination of Employment during the Performance Period due to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (Employee) Tj ET Q q 0 0 0 rg BT 93.32 634.10 Td (s Retirement or Disability and the Employee fails to comply with the PSU Restrictions or fails to execute and submit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (the Certification, the Performance Share Units will be forfeited.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 598.10 Td (\(iv\) ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 158 596.7669921875 m 209.66015625 596.7669921875 l s q 0 0 0 rg BT 158.00 598.10 Td (Employment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.66 598.10 Td (. For purposes of this ) Tj ET Q q 0 0 0 rg BT 296.33 598.10 Td (Agreement, employment with the Company shall include an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 586.10 Td (fice or employment with the Company) Tj ET Q q 0 0 0 rg BT 212.19 586.10 Td (, its ) Tj ET Q q 0 0 0 rg BT 228.58 586.10 Td (Af) Tj ET Q q 0 0 0 rg BT 238.96 586.10 Td (filiates and their successors. Nothing in this ) Tj ET Q q 0 0 0 rg BT 415.60 586.10 Td (Agreement, the Sub-plan or the Plan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (shall confer upon the Employee any right to continue in the employment of, or holding an of) Tj ET Q q 0 0 0 rg BT 420.01 574.10 Td (fice with, the Company or any of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (its ) Tj ET Q q 0 0 0 rg BT 61.40 562.10 Td (Af) Tj ET Q q 0 0 0 rg BT 71.77 562.10 Td (filiates or interfere in any way with the right of the Company or any ) Tj ET Q q 0 0 0 rg BT 345.58 562.10 Td (Af) Tj ET Q q 0 0 0 rg BT 355.95 562.10 Td (filiate to terminate the Employee) Tj ET Q q 0 0 0 rg BT 490.35 562.10 Td (s of) Tj ET Q q 0 0 0 rg BT 504.89 562.10 Td (fice or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (employment at any time. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (2. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 524.7669921875 m 163.7685546875 524.7669921875 l s q 0 0 0 rg BT 86.00 526.10 Td (Settlement of Units) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.77 526.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 502.10 Td (Subject to Section9 \(pertaining to taxes\), and except as otherwise provided in Section 6, as soon as practicable after ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (the date on which the Performance Period expires and the Committee certifies that the Company has achieved the performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (goals set forth on Schedule ) Tj ET Q q 0 0 0 rg BT 160.26 478.10 Td (A, and in no event later than two and a half months after the end of the Performance Period, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (Company shall deliver to the Employee or his or her personal representative, in book-position or certificate form, one Share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (that does not bear any restrictive legend making reference to this ) Tj ET Q q 0 0 0 rg BT 310.74 454.10 Td (Agreement for each Performance Share Unit earned pursuant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (to this ) Tj ET Q q 0 0 0 rg BT 76.67 442.10 Td (Agreement. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 421.10 Td (3. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 419.7669921875 m 287.8798828125 419.7669921875 l s q 0 0 0 rg BT 86.00 421.10 Td (Nontransferability of the Performance Share Units) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.88 421.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 397.10 Td (During the Performance Period and until such time as the Performance Share Units are ultimately settled as provided ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (in Section2 above, the Performance Share Units and Shares covered by the Performance Share Units shall not be transferable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (by the Employee by means of sale, assignment, exchange, encumbrance, pledge, hedge or otherwise; ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 456.25 373.10 Td (pr) Tj ET Q q 0 0 0 rg BT 464.77 373.10 Td (ovided, however) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.30 373.10 Td (, that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 361.10 Td (nothing in this Section 3 shall prevent transfers by will or by the applicable laws of descent and distribution. ) Tj ET Q q 0 0 0 rg BT 484.92 361.10 Td (Any purported or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 349.10 Td (attempted transfer of such Performance Share Units or Shares in contravention of this Section 3 shall be null and void.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (4. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 326.7669921875 m 180.43603515625 326.7669921875 l s q 0 0 0 rg BT 86.00 328.10 Td (Rights as a Stockholder) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.16 328.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 304.10 Td (During the Performance Period and until such time as the Performance Share Units are ultimately settled as provided ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (in Section2 above, the Employee shall not be entitled to any rights of a stockholder with respect to the Performance Share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (Units \(including, without limitation, any voting rights\); ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 273.60 280.10 Td (pr) Tj ET Q q 0 0 0 rg BT 282.12 280.10 Td (ovided) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.77 280.10 Td ( that with respect to any dividends paid on Shares underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (the Performance Share Units, such dividends will be reinvested into additional Performance Share Units, which, as applicable, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (shall vest and be settled at such time as, and in the same ratio and only to the extent that the underlying Performance Share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (Units vest and are settled. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 223.10 Td (5. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 221.76699218750002 m 380.677734375 221.76699218750002 l s q 0 0 0 rg BT 86.00 223.10 Td (Confidentiality; Non-Competition; Non-Solicitation; Non-Disparagement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.68 223.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 199.10 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 199.10 Td (The Employee acknowledges that during the course of employment or engagement with the Company and its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 187.10 Td (Af) Tj ET Q q 0 0 0 rg BT 60.37 187.10 Td (filiates the Employee has received and will continue to have access and exposure to secret and proprietary information, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 175.10 Td (including but not limited to information about the Company) Tj ET Q q 0 0 0 rg BT 292.75 175.10 Td (s and its ) Tj ET Q q 0 0 0 rg BT 327.48 175.10 Td (Af) Tj ET Q q 0 0 0 rg BT 337.85 175.10 Td (filiates) Tj ET Q q 0 0 0 rg BT 367.65 175.10 Td ( business, business practices and processes, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 163.10 Td (customers, and prospective customers, the value of which is derived in part from the fact that the information is not generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 151.10 Td (known to the public \(Confidential Information\). ) Tj ET Q q 0 0 0 rg BT 252.82 151.10 Td (The Employee acknowledges that the Company and its ) Tj ET Q q 0 0 0 rg BT 474.99 151.10 Td (Af) Tj ET Q q 0 0 0 rg BT 485.36 151.10 Td (filiates have spent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 139.10 Td (significant time, ef) Tj ET Q q 0 0 0 rg BT 125.07 139.10 Td (fort and resources protecting the Confidential Information and that the Confidential Information has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 127.10 Td (contributed to customer goodwill and is of significant competitive value to the Company and its ) Tj ET Q q 0 0 0 rg BT 435.76 127.10 Td (Af) Tj ET Q q 0 0 0 rg BT 446.13 127.10 Td (filiates in the businesses in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 115.10 Td (which they compete, and that the use or disclosure, even if inadvertent, of the Confidential Information to or for the benefit of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 103.10 Td (competitor would cause significant damage to the legitimate business interests of the Company) Tj ET Q q 0 0 0 rg BT 429.81 103.10 Td (. ) Tj ET Q q 0 0 0 rg BT 434.26 103.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 483.60 103.10 Td (, in order to protect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 91.10 Td (the legitimate business and customer goodwill interests of the Company and its ) Tj ET Q q 0 0 0 rg BT 368.84 91.10 Td (Af) Tj ET Q q 0 0 0 rg BT 379.21 91.10 Td (filiates, to protect the Confidential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 79.10 Td (Information against inappropriate use or disclosure, and in consideration of the grant of and the opportunity to earn the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 67.10 Td (Performance Share Units in accordance with the provisions of this ) Tj ET Q q 0 0 0 rg BT 317.15 67.10 Td (Agreement, the Employee hereby covenants and agrees to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 55.10 Td (comply with the confidentiality) Tj ET Q q 0 0 0 rg BT 175.16 55.10 Td (, non-competition, non-solicitation and non-disparagement provisions set forth in this Section ) Tj ET Q endstream endobj 529 0 obj <> endobj 530 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (5\(a\) \(collectively) Tj ET Q q 0 0 0 rg BT 117.92 742.10 Td (, the PSU Restrictions\). Except to the extent expressly provided otherwise below) Tj ET Q q 0 0 0 rg BT 449.14 742.10 Td (, the Employee agrees to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (comply with the PSU Restrictions for the period commencing on the Grant Date and extending until the date that is 12 months ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (following the Employee) Tj ET Q q 0 0 0 rg BT 149.42 718.10 Td (s ) Tj ET Q q 0 0 0 rg BT 155.63 718.10 Td (T) Tj ET Q q 0 0 0 rg BT 161.04 718.10 Td (ermination of Employment for any reason \(the Restricted Period\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 694.10 Td (\(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 694.10 Td (The Employee will use Confidential Information gained during employment or engagement with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (Company or any ) Tj ET Q q 0 0 0 rg BT 118.60 682.10 Td (Af) Tj ET Q q 0 0 0 rg BT 128.97 682.10 Td (filiate for the benefit of the Company only and, without the prior written consent of the Company) Tj ET Q q 0 0 0 rg BT 517.95 682.10 Td (, shall not, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (at any time during the Restricted Period or thereafter) Tj ET Q q 0 0 0 rg BT 260.63 670.10 Td (, directly or indirectly) Tj ET Q q 0 0 0 rg BT 347.18 670.10 Td (, divulge, reveal or communicate any Confidential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (Information to any person or entity whatsoever) Tj ET Q q 0 0 0 rg BT 237.88 658.10 Td (, or use any Confidential Information for the Employee) Tj ET Q q 0 0 0 rg BT 461.43 658.10 Td (s own benefit or for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (benefit of others, other than as required by law or legal process. For purposes of the foregoing, Confidential Information shall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (not include information that becomes generally available to the public, other than as a result of disclosure by the Employee.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 610.10 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 610.10 Td (The Employee shall not, at any time during the Restricted Period, without the prior written consent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (of the Company) Tj ET Q q 0 0 0 rg BT 113.78 598.10 Td (, directly or indirectly) Tj ET Q q 0 0 0 rg BT 200.33 598.10 Td (, own, manage, operate, join, control, or participate in the ownership, management, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (operation or control of, or be employed by) Tj ET Q q 0 0 0 rg BT 219.30 586.10 Td (, consult with, render services for) Tj ET Q q 0 0 0 rg BT 352.47 586.10 Td (, or be connected in any other manner with, any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (Competing Business, whether for compensation or otherwise. For the purposes of this ) Tj ET Q q 0 0 0 rg BT 395.51 574.10 Td (Agreement, a Competing Business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (shall be any business in the United Kingdom which is engaged in the sale or provision of employee benefits or other products ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (or services of the type of) Tj ET Q q 0 0 0 rg BT 148.95 550.10 Td (fered by the Company or its ) Tj ET Q q 0 0 0 rg BT 262.82 550.10 Td (Af) Tj ET Q q 0 0 0 rg BT 273.19 550.10 Td (filiates \(including, without limitation, life, critical illness, income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (protection, disability) Tj ET Q q 0 0 0 rg BT 132.11 538.10 Td (, accident, dental, vision or hospital indemnity insurance\), unless the Employee) Tj ET Q q 0 0 0 rg BT 452.04 538.10 Td (s primary duties and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (responsibilities with respect to such business are not related to the management, operation or provision of such products or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (services. Notwithstanding the requirements of this paragraph, the Employee shall not be prohibited from owning less than 1% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (of any publicly traded corporation, whether or not such corporation is deemed to be a Competing Business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 478.10 Td (\(iii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 478.10 Td (The Employee shall not, at any time during the Restricted Period, without the prior written consent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (of the Company) Tj ET Q q 0 0 0 rg BT 113.78 466.10 Td (, directly or indirectly) Tj ET Q q 0 0 0 rg BT 200.33 466.10 Td (, either for the Employee) Tj ET Q q 0 0 0 rg BT 302.79 466.10 Td (s own benefit or purpose or for the benefit or purpose of any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (other person or entity) Tj ET Q q 0 0 0 rg BT 135.16 454.10 Td (, solicit, assist, or induce any Covered Employee to terminate his or her relationship with the Company or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (its ) Tj ET Q q 0 0 0 rg BT 61.40 442.10 Td (Af) Tj ET Q q 0 0 0 rg BT 71.77 442.10 Td (filiates \(regardless of who first initiates the communication\), or help another person or entity evaluate any Covered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (Employee as an employment candidate, or employ) Tj ET Q q 0 0 0 rg BT 251.79 430.10 Td (, or of) Tj ET Q q 0 0 0 rg BT 275.77 430.10 Td (fer to employ) Tj ET Q q 0 0 0 rg BT 328.99 430.10 Td (, call on, or actively interfere with the Company) Tj ET Q q 0 0 0 rg BT 523.93 430.10 Td (s or any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (Af) Tj ET Q q 0 0 0 rg BT 60.37 418.10 Td (filiate) Tj ET Q q 0 0 0 rg BT 86.47 418.10 Td (s relationship with any Covered Employee, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 261.71 418.10 Td (pr) Tj ET Q q 0 0 0 rg BT 270.23 418.10 Td (ovided) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.88 418.10 Td ( that this paragraph shall not prohibit general solicitations in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (form of classified advertisements or the like in newspapers, on the internet, or in other media. For purposes of this ) Tj ET Q q 0 0 0 rg BT 508.50 406.10 Td (Agreement, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (Covered Employee means an individual who is an employee, representative, or of) Tj ET Q q 0 0 0 rg BT 386.09 394.10 Td (ficer of the Company or any ) Tj ET Q q 0 0 0 rg BT 501.06 394.10 Td (Af) Tj ET Q q 0 0 0 rg BT 511.43 394.10 Td (filiate at the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (time of the solicitation, assistance or inducement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 358.10 Td (\(iv\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 358.10 Td (The Employee shall not, at any time during the Restricted Period, without the prior written consent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (of the Company) Tj ET Q q 0 0 0 rg BT 113.78 346.10 Td (, directly or indirectly) Tj ET Q q 0 0 0 rg BT 200.33 346.10 Td (, either for the Employee) Tj ET Q q 0 0 0 rg BT 302.79 346.10 Td (s own benefit or purpose or for the benefit or purpose of any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (other person or entity) Tj ET Q q 0 0 0 rg BT 135.16 334.10 Td (, solicit or accept any business from any customers of the Company or any ) Tj ET Q q 0 0 0 rg BT 435.37 334.10 Td (Af) Tj ET Q q 0 0 0 rg BT 445.74 334.10 Td (filiate, or any broker with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (regard to customers of the Company or any ) Tj ET Q q 0 0 0 rg BT 225.51 322.10 Td (Af) Tj ET Q q 0 0 0 rg BT 235.88 322.10 Td (filiate \(regardless of who first initiates the communication\), whom the Employee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (serviced, solicited or had contact with while employed or engaged by the Company or any ) Tj ET Q q 0 0 0 rg BT 413.23 310.10 Td (Af) Tj ET Q q 0 0 0 rg BT 423.60 310.10 Td (filiate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 286.10 Td (\(v\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 286.10 Td (The Employee shall not, at any time during the Restricted Period, directly or indirectly) Tj ET Q q 0 0 0 rg BT 504.20 286.10 Td (, make any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (statement, oral or written, public or in private, which is reasonably foreseeable as harming the Company) Tj ET Q q 0 0 0 rg BT 469.87 274.10 Td (s or any ) Tj ET Q q 0 0 0 rg BT 503.48 274.10 Td (Af) Tj ET Q q 0 0 0 rg BT 513.85 274.10 Td (filiate) Tj ET Q q 0 0 0 rg BT 539.95 274.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (business interests or impacts negatively on the Company) Tj ET Q q 0 0 0 rg BT 279.68 262.10 Td (s or any ) Tj ET Q q 0 0 0 rg BT 313.29 262.10 Td (Af) Tj ET Q q 0 0 0 rg BT 323.66 262.10 Td (filiate) Tj ET Q q 0 0 0 rg BT 349.76 262.10 Td (s business reputation or reputation in the community) Tj ET Q q 0 0 0 rg BT 559.36 262.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (Nothing in this paragraph will be construed to prevent the Employee from communicating with or responding to a request for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (information from a federal, state, administrative agency or court.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 214.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 214.10 Td (The Employee acknowledges and agrees that the provisions of Schedule ) Tj ET Q q 0 0 0 rg BT 413.03 214.10 Td (A) Tj ET Q q 0 0 0 rg BT 419.70 214.10 Td ( to this ) Tj ET Q q 0 0 0 rg BT 448.87 214.10 Td (Agreement shall be deemed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (confidential information \(except with respect to information that becomes generally available to the public other than as a result ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (of disclosure by the Employee, and then only to such extent\), and that the Employee will keep confidential all such provisions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (and shall not disclose them, directly or indirectly) Tj ET Q q 0 0 0 rg BT 244.86 178.10 Td (, to any person other than the Employee) Tj ET Q q 0 0 0 rg BT 407.04 178.10 Td (s legal advisor as necessary in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (obtaining legal advice \(provided that such advisor is informed of the confidential nature of such provisions and is subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (confidentiality and non-disclosure duties or obligations with respect to such provisions that are no less restrictive than those ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (contained in this Section\) or as required by law or legal process.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 118.10 Td (\(c\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 118.10 Td (Any termination of the Employee) Tj ET Q q 0 0 0 rg BT 259.19 118.10 Td (s employment or the termination or expiration of this ) Tj ET Q q 0 0 0 rg BT 473.31 118.10 Td (Agreement shall have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (no ef) Tj ET Q q 0 0 0 rg BT 70.09 106.10 Td (fect on the continuing operation of this Section 5.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 82.10 Td (\(d\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 82.10 Td (The terms and provisions of this Section 5 are intended to be separate and divisible provisions and if, for any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (reason, any one or more of them is held to be invalid or unenforceable, neither the validity nor the enforceability of any other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (provision of this ) Tj ET Q q 0 0 0 rg BT 117.50 58.10 Td (Agreement shall thereby be af) Tj ET Q q 0 0 0 rg BT 237.83 58.10 Td (fected. ) Tj ET Q q 0 0 0 rg BT 267.07 58.10 Td (The parties hereto acknowledge that the potential restrictions on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (Employee) Tj ET Q q 0 0 0 rg BT 93.32 46.10 Td (s future employment imposed by this Section 5 are reasonable in both duration and geographic scope and in all other ) Tj ET Q endstream endobj 531 0 obj <> endobj 532 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (respects. If for any reason any court of competent jurisdiction shall find any provisions of this Section 5 unreasonable in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (duration or geographic scope or otherwise, the Employee and the Company agree that the restrictions and prohibitions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (contained herein shall be ef) Tj ET Q q 0 0 0 rg BT 159.77 718.10 Td (fective to the fullest extent allowed under applicable law in such jurisdiction.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 694.10 Td (\(e\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 694.10 Td (The Employee acknowledges and agrees that any breach or threatened breach of the PSU Restrictions will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (result in substantial, continuing and irreparable injury to the Company and/or its ) Tj ET Q q 0 0 0 rg BT 372.99 682.10 Td (Af) Tj ET Q q 0 0 0 rg BT 383.36 682.10 Td (filiates. ) Tj ET Q q 0 0 0 rg BT 415.40 682.10 Td (Therefore, in addition to any other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (remedy that may be available to the Company and/or its ) Tj ET Q q 0 0 0 rg BT 276.05 670.10 Td (Af) Tj ET Q q 0 0 0 rg BT 286.42 670.10 Td (filiates, the Company and/or its ) Tj ET Q q 0 0 0 rg BT 414.18 670.10 Td (Af) Tj ET Q q 0 0 0 rg BT 424.55 670.10 Td (filiates shall be entitled to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (equitable and/or injunctive relief to prevent any breach or threatened breach of such provisions, and to specific performance of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (each of the terms thereof in addition to any other legal or equitable remedies that the Company or any ) Tj ET Q q 0 0 0 rg BT 459.03 646.10 Td (Af) Tj ET Q q 0 0 0 rg BT 469.40 646.10 Td (filiate may have. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (W) Tj ET Q q 0 0 0 rg BT 59.04 634.10 Td (ithout limiting the foregoing, if the Employee violates any PSU Restrictions, then all of the Employee) Tj ET Q q 0 0 0 rg BT 469.24 634.10 Td (s outstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (Performance Share Units hereunder shall immediately be forfeited.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (6. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 596.7669921875 m 211.8251953125 596.7669921875 l s q 0 0 0 rg BT 86.00 598.10 Td (Adjustment; Change in Control) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.83 598.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 574.10 Td (In the event of certain transactions during the Performance Period, the Performance Share Units shall be subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (adjustment as provided in Section3\(d\) of the Plan or any applicable successor provision under the Plan. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 541.10 Td (Notwithstanding anything in Section 1 to the contrary) Tj ET Q q 0 0 0 rg BT 300.59 541.10 Td (, subject to Section 3\(d\) of the Plan or any applicable successor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 529.10 Td (provision under the Plan, upon the occurrence of a Change in Control the Performance Share Units shall \(i\) be deemed earned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 517.10 Td (in the number of Performance Share Units originally granted as provided in Section 1\(a\), without regard to performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 505.10 Td (\(including additional Performance Share Units acquired upon reinvestment of dividends in accordance with Section 4\), \(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 493.10 Td (shall remain outstanding and shall vest and be subject to restriction until the end of the Performance Period in accordance with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 481.10 Td (Section 1\(b\)\(ii\), and \(iii\)subject to this Section 6, shall be settled by the Company as provided in Section 2. For purposes of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 469.10 Td (this ) Tj ET Q q 0 0 0 rg BT 66.40 469.10 Td (Agreement, Performance Share Units that are deemed earned upon, and remain outstanding following a Change in Control ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 457.10 Td (pursuant to this Section 6, shall be referred to as Assumed PSUs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 436.10 Td (Notwithstanding anything in Section 1 to the contrary) Tj ET Q q 0 0 0 rg BT 300.59 436.10 Td (, \(A\) upon a ) Tj ET Q q 0 0 0 rg BT 351.23 436.10 Td (T) Tj ET Q q 0 0 0 rg BT 356.64 436.10 Td (ermination of Employment of the Employee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (occurring upon or during the two years immediately following the date of a Change in Control \(but prior to the settlement of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (the Employee) Tj ET Q q 0 0 0 rg BT 108.04 412.10 Td (s ) Tj ET Q q 0 0 0 rg BT 113.88 412.10 Td (Assumed PSUs\) by reason of death, Disability or Retirement, by the Company without Cause, or by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (Employee for Good Reason \(as defined in the Plan, except that if the Employee is covered by a separate written plan or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (agreement providing for payments upon a ) Tj ET Q q 0 0 0 rg BT 219.77 388.10 Td (T) Tj ET Q q 0 0 0 rg BT 225.18 388.10 Td (ermination of Employment for Good Reason within two years following a Change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (in Control, then as defined in such plan or agreement\), then such ) Tj ET Q q 0 0 0 rg BT 310.49 376.10 Td (Assumed PSUs shall become free of all restrictions and fully ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (vested and shall be settled as soon as practicable following the date of ) Tj ET Q q 0 0 0 rg BT 332.23 364.10 Td (T) Tj ET Q q 0 0 0 rg BT 337.64 364.10 Td (ermination of Employment \(but not later than 30 days ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (thereafter\); ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 96.91 352.10 Td (pr) Tj ET Q q 0 0 0 rg BT 105.43 352.10 Td (ovided, however) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.96 352.10 Td (, if the Employee is a citizen of the United States or otherwise subject to US Federal Income ) Tj ET Q q 0 0 0 rg BT 542.62 352.10 Td (T) Tj ET Q q 0 0 0 rg BT 548.03 352.10 Td (ax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (in respect of the Performance Share Units, in each case, that that any ) Tj ET Q q 0 0 0 rg BT 326.84 340.10 Td (Assumed PSUs that constitute nonqualified deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (compensation as defined under Section 409A) Tj ET Q q 0 0 0 rg BT 235.23 328.10 Td ( of the Code shall to the extent necessary to avoid the imposition of penalty taxes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (under Section 409A) Tj ET Q q 0 0 0 rg BT 129.43 316.10 Td ( of the Code, only be so settled if the Change in Control constitutes a change in control event within the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (meaning of Section 409A) Tj ET Q q 0 0 0 rg BT 151.93 304.10 Td ( of the Code and shall otherwise only be settled on the earliest date permissible under Section 409A) Tj ET Q q 0 0 0 rg BT 549.89 304.10 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (the Code; \(B\) upon a ) Tj ET Q q 0 0 0 rg BT 136.19 292.10 Td (T) Tj ET Q q 0 0 0 rg BT 141.60 292.10 Td (ermination of Employment of the Employee occurring more than two years following the date of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (Change in Control \(but prior to the settlement of the Employee) Tj ET Q q 0 0 0 rg BT 304.39 280.10 Td (s ) Tj ET Q q 0 0 0 rg BT 310.23 280.10 Td (Assumed PSUs\) by reason of death, Disability or Retirement, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (then such ) Tj ET Q q 0 0 0 rg BT 90.00 268.10 Td (Assumed PSUs shall become free of all restrictions and fully vested and shall be settled in accordance with Section 2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (hereof; and \(C\) upon a ) Tj ET Q q 0 0 0 rg BT 142.84 256.10 Td (T) Tj ET Q q 0 0 0 rg BT 148.25 256.10 Td (ermination of Employment of the Employee occurring more than two years following the date of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (Change in Control \(but prior to the settlement of the Employee) Tj ET Q q 0 0 0 rg BT 304.39 244.10 Td (s ) Tj ET Q q 0 0 0 rg BT 310.23 244.10 Td (Assumed PSUs\) by the Company without Cause or by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (Employee for Good Reason \(as defined in the Plan, except that if the Employee is covered by a separate written agreement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (providing for payments upon a ) Tj ET Q q 0 0 0 rg BT 175.63 220.10 Td (T) Tj ET Q q 0 0 0 rg BT 181.04 220.10 Td (ermination of Employment for Good Reason not following a Change in Control, then as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (defined in such agreement\), then a portion of such Employee) Tj ET Q q 0 0 0 rg BT 296.59 208.10 Td (s ) Tj ET Q q 0 0 0 rg BT 302.43 208.10 Td (Assumed PSUs, equal to the full value of the ) Tj ET Q q 0 0 0 rg BT 484.07 208.10 Td (Assumed PSUs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (multiplied by a fraction, the numerator of which is the number of full and partial months that have lapsed from the first day of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (the Performance Period until the date of the ) Tj ET Q q 0 0 0 rg BT 226.98 184.10 Td (T) Tj ET Q q 0 0 0 rg BT 232.39 184.10 Td (ermination of Employment and the denominator of which is the total number of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (months in the Performance Period, shall become free of all restrictions and be vested and shall be settled in accordance with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (Section 2 hereof \(for the avoidance of doubt, if an Employee who is eligible for Retirement incurs a ) Tj ET Q q 0 0 0 rg BT 451.64 160.10 Td (T) Tj ET Q q 0 0 0 rg BT 457.05 160.10 Td (ermination of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (Employment by the Company without Cause or by the Employee for Good Reason, the vesting of such Employee) Tj ET Q q 0 0 0 rg BT 508.25 148.10 Td (s ) Tj ET Q q 0 0 0 rg BT 514.09 148.10 Td (Assumed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (PSUs shall be governed by subsection \(B\) hereof\). Nothing in this Section 6 shall preclude the Company from settling, upon a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (Change in Control, any Performance Share Units \(to the extent ef) Tj ET Q q 0 0 0 rg BT 311.69 124.10 Td (fectuated in accordance with ) Tj ET Q q 0 0 0 rg BT 428.67 124.10 Td (T) Tj ET Q q 0 0 0 rg BT 434.42 124.10 Td (reasury Reg. 1.409A-3\(j\)\(ix\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (if the Employee is a citizen of the United States or otherwise subject to US Federal Income ) Tj ET Q q 0 0 0 rg BT 416.66 112.10 Td (T) Tj ET Q q 0 0 0 rg BT 422.07 112.10 Td (ax in respect of the Performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (Share Units\). ) Tj ET Q endstream endobj 533 0 obj <> endobj 534 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (7. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 740.7669921875 m 298.9638671875 740.7669921875 l s q 0 0 0 rg BT 86.00 742.10 Td (Payment of ) Tj ET Q q 0 0 0 rg BT 134.14 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 139.90 742.10 Td (ransfer ) Tj ET Q q 0 0 0 rg BT 169.98 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 175.39 742.10 Td (axes, Fees and Other Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.96 742.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 718.10 Td (The Company agrees to pay any and all original issue taxes and stock transfer taxes that may be imposed on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (issuance of shares received by an Employee in connection with the Performance Share Units, together with any and all other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (fees and expenses necessarily incurred by the Company in connection therewith.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (8. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 671.7669921875 m 159.0419921875 671.7669921875 l s q 0 0 0 rg BT 86.00 673.10 Td (Other Restrictions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.04 673.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 649.10 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 649.10 Td (The Performance Share Units shall be subject to the requirement that, if at any time the Committee shall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (determine that \(i\)the listing, registration or qualification of the Shares subject or related thereto upon any securities exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (or under any state or federal law is required, or \(ii\)the consent or approval of any government regulatory body is required, then ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (in any such event, the grant of Performance Share Units shall not be ef) Tj ET Q q 0 0 0 rg BT 332.51 613.10 Td (fective unless such listing, registration, qualification, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (consent or approval shall have been ef) Tj ET Q q 0 0 0 rg BT 203.09 601.10 Td (fected or obtained free of any conditions not acceptable to the Committee.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 577.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 577.10 Td (If the Employee is an insider as described under the Company) Tj ET Q q 0 0 0 rg BT 373.04 577.10 Td (s Insider ) Tj ET Q q 0 0 0 rg BT 409.52 577.10 Td (T) Tj ET Q q 0 0 0 rg BT 415.28 577.10 Td (rading Policy \(as in ef) Tj ET Q q 0 0 0 rg BT 503.41 577.10 Td (fect from time ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 565.10 Td (to time and any successor policies\), the Employee shall be required to obtain pre-clearance from the General Counsel or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 553.10 Td (Securities Counsel of the Company prior to purchasing or selling any of the Company) Tj ET Q q 0 0 0 rg BT 396.88 553.10 Td (s securities, including any shares issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 541.10 Td (upon vesting of the Performance Share Units, and may be prohibited from selling such securities other than during an open ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 529.10 Td (trading window) Tj ET Q q 0 0 0 rg BT 112.40 529.10 Td (. ) Tj ET Q q 0 0 0 rg BT 117.22 529.10 Td (The Employee further acknowledges that, in its discretion, the Company may prohibit the Employee from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 517.10 Td (selling such securities even during an open trading window if the Company has concerns over the potential for insider trading.) Tj ET Q endstream endobj 535 0 obj <> endobj 536 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (9. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 728.7669921875 m 178.587890625 728.7669921875 l s q 0 0 0 rg BT 86.00 730.10 Td (T) Tj ET Q q 0 0 0 rg BT 91.41 730.10 Td (axes and ) Tj ET Q q 0 0 0 rg BT 128.44 730.10 Td (W) Tj ET Q q 0 0 0 rg BT 137.47 730.10 Td (ithholding) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.59 730.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 706.10 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 706.10 Td (The Employee irrevocably undertakes to:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 682.10 Td (\(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 682.10 Td (pay to the Company) Tj ET Q q 0 0 0 rg BT 238.17 682.10 Td (, his employer or former employer \(as appropriate\) the amount of any ) Tj ET Q q 0 0 0 rg BT 518.73 682.10 Td (T) Tj ET Q q 0 0 0 rg BT 524.14 682.10 Td (ax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (Liability; or) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 646.10 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 646.10 Td (enter into arrangements to the satisfaction of the Company) Tj ET Q q 0 0 0 rg BT 391.73 646.10 Td (, his employer or former employer \(as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (appropriate\) for payment of any ) Tj ET Q q 0 0 0 rg BT 180.04 634.10 Td (T) Tj ET Q q 0 0 0 rg BT 185.45 634.10 Td (ax Liability) Tj ET Q q 0 0 0 rg BT 231.18 634.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 610.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 610.10 Td (The Employee irrevocably undertakes that at the request of the Company) Tj ET Q q 0 0 0 rg BT 414.03 610.10 Td (, his employer or former employer) Tj ET Q q 0 0 0 rg BT 551.36 610.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (he shall join that person in making a valid election to transfer to the Employee the whole or any part of the liability for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (employer national insurance contributions \(or any similar liability for social security contribution in any jurisdiction\) which:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 562.10 Td (\(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 562.10 Td (the Company or any employer \(or former employer\) of his may become liable to pay as a result of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (any ) Tj ET Q q 0 0 0 rg BT 66.76 550.10 Td (T) Tj ET Q q 0 0 0 rg BT 72.17 550.10 Td (axable Event; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 526.10 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 526.10 Td (may be lawfully transferred from the Company or any employer \(or former employer\) to him.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 502.10 Td (\(c\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 502.10 Td (If required to do so by the Company) Tj ET Q q 0 0 0 rg BT 266.60 502.10 Td (, the Employee irrevocably undertakes, in relation to any Shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (delivered to him pursuant to Section 2, to enter into a joint election under section 431\(1\) or section 431\(2\) of the Income ) Tj ET Q q 0 0 0 rg BT 534.41 490.10 Td (T) Tj ET Q q 0 0 0 rg BT 539.82 490.10 Td (ax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (\(Earnings and Pensions\) ) Tj ET Q q 0 0 0 rg BT 149.16 478.10 Td (Act 2003 of the United Kingdom before the date falling 14 days after he acquires the relevant Shares. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (The Employee hereby appoints the Company \(acting by any of its directors or of) Tj ET Q q 0 0 0 rg BT 372.23 466.10 Td (ficers from time to time\) as his agent to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (execute any joint election required to be entered into under this Section in his name and on his behalf.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 430.10 Td (\(d\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 430.10 Td (The obligations of the Company under this ) Tj ET Q q 0 0 0 rg BT 295.59 430.10 Td (Agreement shall be conditioned on compliance by the Employee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (with this Section9, and the Company shall not deliver Shares in respect of the Performance Share Units unless and until the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (Employee has made arrangements satisfactory to the Committee to satisfy his or her obligations under this clause. Unless the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (Employee pays the ) Tj ET Q q 0 0 0 rg BT 128.41 394.10 Td (T) Tj ET Q q 0 0 0 rg BT 133.82 394.10 Td (ax Liability to the Company) Tj ET Q q 0 0 0 rg BT 245.93 394.10 Td (, employer or former employer by cash or cheque, withholding may be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 382.10 Td (fected, at the Company) Tj ET Q q 0 0 0 rg BT 153.11 382.10 Td (s option, by withholding Shares issuable in connection with the Performance Share Units \(provided ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (that the Shares may be withheld only to the extent that such withholding will not result in adverse accounting treatment for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (Company\). ) Tj ET Q q 0 0 0 rg BT 97.04 358.10 Td (The Employee acknowledges that the Company) Tj ET Q q 0 0 0 rg BT 287.72 358.10 Td (, the employer and any former employer have the right to deduct ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (any taxes required to be withheld by law in connection with the Performance Share Units from any amounts payable by it to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (Employee \(including, without limitation, future cash wages\). ) Tj ET Q q 0 0 0 rg BT 295.87 334.10 Td (The Employee) Tj ET Q q 0 0 0 rg BT 357.24 334.10 Td (s obligations under Section 9\(a\) shall not be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (af) Tj ET Q q 0 0 0 rg BT 57.59 322.10 Td (fected by any failure of the Company or employer or former employer to withhold shares or deduct from payments of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (remuneration under this Section 9\(d\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 286.10 Td (\(e\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 286.10 Td (In this Section 9 references to employer and former employer include a company of which the Employee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (is a director or other of) Tj ET Q q 0 0 0 rg BT 141.73 274.10 Td (ficer \(or any company of which the Employee was formerly a director or other of) Tj ET Q q 0 0 0 rg BT 466.42 274.10 Td (ficer\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (10. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 248.76699218750002 m 195.6826171875 248.76699218750002 l s q 0 0 0 rg BT 86.00 250.10 Td (Privacy and data protection) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 226.10 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 226.10 Td (The Employee consents to the Company) Tj ET Q q 0 0 0 rg BT 283.26 226.10 Td (, Subsidiaries and ) Tj ET Q q 0 0 0 rg BT 356.03 226.10 Td (Af) Tj ET Q q 0 0 0 rg BT 366.40 226.10 Td (filiates holding and processing information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (about the Employee for legal, personnel, administrative and management purposes and, in particular) Tj ET Q q 0 0 0 rg BT 450.86 214.10 Td (, holding and processing: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (\(i\) health records and any medical reports to monitor sick leave and sick pay) Tj ET Q q 0 0 0 rg BT 355.08 202.10 Td (, to administer benefits and take decisions as to his ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (fitness to work or the need for adjustments in the workplace; \(ii\) information required to carry out performance reviews, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (disciplinary and grievance procedures, internal investigations and considering reports \(which may be submitted anonymously\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (under any whistle-blowing procedure; \(iii\) any information relating to criminal proceedings in which he has been involved; and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (\(iv\) to comply with legal requirements and obligations to third parties \(Personal Data\). ) Tj ET Q q 0 0 0 rg BT 410.00 154.10 Td (The Employee agree that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (Company may make the Personal Data available to Subsidiaries and ) Tj ET Q q 0 0 0 rg BT 324.93 142.10 Td (Af) Tj ET Q q 0 0 0 rg BT 335.30 142.10 Td (filiates, those who provide products or services to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (Company) Tj ET Q q 0 0 0 rg BT 88.24 130.10 Td (, Subsidiaries, and ) Tj ET Q q 0 0 0 rg BT 163.51 130.10 Td (Af) Tj ET Q q 0 0 0 rg BT 173.88 130.10 Td (filiates \(such as advisers and payroll administrators\), regulatory authorities, potential or future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (employers, governmental or quasi-governmental or) Tj ET Q q 0 0 0 rg BT 255.03 118.10 Td (ganisations, current or potential investors and potential purchasers of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (Company) Tj ET Q q 0 0 0 rg BT 88.24 106.10 Td (, Subsidiaries, ) Tj ET Q q 0 0 0 rg BT 146.57 106.10 Td (Af) Tj ET Q q 0 0 0 rg BT 156.94 106.10 Td (filiates or the business in which the Employee works.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 82.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 82.10 Td (The Employee consents to the transfer of Personal Data to the Company and to any Subsidiaries or ) Tj ET Q q 0 0 0 rg BT 519.41 82.10 Td (Af) Tj ET Q q 0 0 0 rg BT 529.78 82.10 Td (filiates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (established outside the European Economic ) Tj ET Q q 0 0 0 rg BT 226.34 70.10 Td (Area, and in particular to the United States. ) Tj ET Q q 0 0 0 rg BT 402.22 70.10 Td (The Employee acknowledges that these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (countries may not have laws in place to adequately protect his privacy) Tj ET Q q 0 0 0 rg BT 330.09 58.10 Td (. ) Tj ET Q q 0 0 0 rg BT 334.91 58.10 Td (The Employee confirms that he understands that all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (communications \(whether by telephone, email or any other means\) which are transmitted, undertaken or received using ) Tj ET Q endstream endobj 537 0 obj <> endobj 538 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (property of the Company or any Subsidiary or ) Tj ET Q q 0 0 0 rg BT 236.64 742.10 Td (Af) Tj ET Q q 0 0 0 rg BT 247.01 742.10 Td (filiate or on the premises of the Company or any Subsidiary or ) Tj ET Q q 0 0 0 rg BT 499.18 742.10 Td (Af) Tj ET Q q 0 0 0 rg BT 509.55 742.10 Td (filiate will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (be treated as work related and are subject to occasional interception, recording and monitoring without further notice. ) Tj ET Q q 0 0 0 rg BT 522.15 730.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (Employee confirms that he does not regard any such communications as private and consents to such interception, recording ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (and monitoring. Interception, recording and monitoring of communications is intended to protect the business interests of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (Company and its Subsidiaries and ) Tj ET Q q 0 0 0 rg BT 188.05 694.10 Td (Af) Tj ET Q q 0 0 0 rg BT 198.42 694.10 Td (filiates \(for example, but without limitation, for the purposes of quality control, security of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (communication and IT) Tj ET Q q 0 0 0 rg BT 140.90 682.10 Td ( systems, record-keeping and evidential requirements, detection and prevention of criminal activity or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (misconduct and to assist the Company and its Subsidiaries and ) Tj ET Q q 0 0 0 rg BT 302.75 670.10 Td (Af) Tj ET Q q 0 0 0 rg BT 313.13 670.10 Td (filiates to comply with relevant legal requirements\). ) Tj ET Q q 0 0 0 rg BT 522.88 670.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (Employee acknowledges that intercepted communications may be used as evidence in any disciplinary or legal proceedings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (THE EMPLOYEE CONFIRMS ) Tj ET Q q 0 0 0 rg BT 181.22 634.10 Td (THA) Tj ET Q q 0 0 0 rg BT 200.66 634.10 Td (T) Tj ET Q q 0 0 0 rg BT 206.59 634.10 Td ( HE HAS READ, UNDERST) Tj ET Q q 0 0 0 rg BT 325.58 634.10 Td (OOD ) Tj ET Q q 0 0 0 rg BT 349.19 634.10 Td (AND ) Tj ET Q q 0 0 0 rg BT 372.80 634.10 Td (AGREED ) Tj ET Q q 0 0 0 rg BT 415.67 634.10 Td (T) Tj ET Q q 0 0 0 rg BT 421.60 634.10 Td (O ) Tj ET Q q 0 0 0 rg BT 431.14 634.10 Td (THE PROVISIONS OF ) Tj ET Q q 0 0 0 rg BT 529.58 634.10 Td (THIS ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (SECTION 10 OF HIS OWN FREE ) Tj ET Q q 0 0 0 rg BT 194.27 622.10 Td (WILL.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (1) Tj ET Q q 0 0 0 rg BT 54.63 601.10 Td (1. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 599.7669921875 m 116.546875 599.7669921875 l s q 0 0 0 rg BT 86.00 601.10 Td (Notices) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.55 601.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 577.10 Td (All notices and other communications under this ) Tj ET Q q 0 0 0 rg BT 282.35 577.10 Td (Agreement shall be in writing and shall be given by hand delivery to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 565.10 Td (the other party or by facsimile, courier) Tj ET Q q 0 0 0 rg BT 203.71 565.10 Td (, or registered airmail \(postage prepaid\) addressed as follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 544.10 Td (If to the Employee: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 523.10 Td (At the most recent address on file at the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 499.10 Td (If to the Company: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 478.10 Td (Unum Group ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 466.10 Td (1 Fountain Square ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 454.10 Td (Chattanooga, ) Tj ET Q q 0 0 0 rg BT 159.36 454.10 Td (T) Tj ET Q q 0 0 0 rg BT 164.77 454.10 Td (ennessee 37402 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 442.10 Td (Attention: Executive Compensation, Human Resources ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 421.10 Td (or to such other address or facsimile number as any party shall have furnished to the other in writing in accordance with this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 409.10 Td (Section1) Tj ET Q q 0 0 0 rg BT 87.12 409.10 Td (1. Notices and communications shall be ef) Tj ET Q q 0 0 0 rg BT 256.62 409.10 Td (fective when actually received by the addressee. Notwithstanding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 397.10 Td (foregoing, the Employee consents to electronic delivery of documents required to be delivered by the Company under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (securities laws.) Tj ET Q endstream endobj 539 0 obj <> endobj 540 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (12. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 740.7669921875 m 167.4453125 740.7669921875 l s q 0 0 0 rg BT 86.00 742.10 Td (Ef) Tj ET Q q 0 0 0 rg BT 95.26 742.10 Td (fect of ) Tj ET Q q 0 0 0 rg BT 123.02 742.10 Td (Agreement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.45 742.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 718.10 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 718.10 Td (This ) Tj ET Q q 0 0 0 rg BT 141.73 718.10 Td (Agreement is personal to the Employee and, without the prior written consent of the Company) Tj ET Q q 0 0 0 rg BT 519.04 718.10 Td (, shall not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (be assignable by the Employee otherwise than by will or the laws of descent and distribution. ) Tj ET Q q 0 0 0 rg BT 425.57 706.10 Td (This ) Tj ET Q q 0 0 0 rg BT 445.29 706.10 Td (Agreement shall inure to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (benefit of and be enforceable by the Employee) Tj ET Q q 0 0 0 rg BT 239.64 694.10 Td (s legal representatives. ) Tj ET Q q 0 0 0 rg BT 332.75 694.10 Td (This ) Tj ET Q q 0 0 0 rg BT 352.48 694.10 Td (Agreement shall inure to the benefit of and be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (binding upon the Company and its successors and assigns.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 658.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 658.10 Td (A) Tj ET Q q 0 0 0 rg BT 128.67 658.10 Td ( person who is not a party to this ) Tj ET Q q 0 0 0 rg BT 261.16 658.10 Td (Agreement shall not have any rights under or in connection with it, except ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (where such rights arise as a result of this ) Tj ET Q q 0 0 0 rg BT 214.13 646.10 Td (Agreement for the Company or any employer or former employer of the Employee. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (The rights of the Employee to surrender) Tj ET Q q 0 0 0 rg BT 209.55 634.10 Td (, terminate or rescind this ) Tj ET Q q 0 0 0 rg BT 313.41 634.10 Td (Agreement, or agree any variation, waiver or settlement of it, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (are not subject to the consent of any other person.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (13. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 596.7669921875 m 315.423828125 596.7669921875 l s q 0 0 0 rg BT 86.00 598.10 Td (Laws ) Tj ET Q q 0 0 0 rg BT 109.61 598.10 Td (Applicable to Construction; Consent to Jurisdiction) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.42 598.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 574.10 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 574.10 Td (The interpretation, performance and enforcement of this ) Tj ET Q q 0 0 0 rg BT 348.57 574.10 Td (Agreement \(including non-contractual disputes or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (claims\) shall be governed and construed by the laws of the State of Delaware without reference to principles of conflict of laws, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (as applied to contracts executed in and performed wholly within the State of Delaware. ) Tj ET Q q 0 0 0 rg BT 400.53 550.10 Td (The parties agree that the courts of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (State of Delaware shall have non-exclusive jurisdiction to settle any dispute or claim arising out of or in connection with this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (deed or its subject matter or formation \(including non-contractual disputes or claims\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 502.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 502.10 Td (The Parties irrevocably consent to any process in any legal action or proceedings under this Section 13 being ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (served on it in accordance with the provisions of this ) Tj ET Q q 0 0 0 rg BT 263.29 490.10 Td (Agreement relating to service of notices. Nothing contained in this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (Agreement shall af) Tj ET Q q 0 0 0 rg BT 125.90 478.10 Td (fect the right to serve process in any other manner permitted by law) Tj ET Q q 0 0 0 rg BT 395.71 478.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 454.10 Td (\(c\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 454.10 Td (In addition to the terms and conditions set forth in this ) Tj ET Q q 0 0 0 rg BT 341.14 454.10 Td (Agreement, the Performance Share Units are subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (the terms and conditions of the Plan and the Sub-plan, which are hereby incorporated by reference.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (14. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 416.7669921875 m 133.99560546875 416.7669921875 l s q 0 0 0 rg BT 86.00 418.10 Td (Severability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.67 418.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 394.10 Td (The invalidity or enforceability of any provision of this ) Tj ET Q q 0 0 0 rg BT 309.01 394.10 Td (Agreement shall not af) Tj ET Q q 0 0 0 rg BT 400.18 394.10 Td (fect the validity or enforceability of any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (other provision of this ) Tj ET Q q 0 0 0 rg BT 140.55 382.10 Td (Agreement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 361.10 Td (15. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 359.7669921875 m 196.5224609375 359.7669921875 l s q 0 0 0 rg BT 86.00 361.10 Td (Conflicts and Interpretation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.52 361.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 337.10 Td (In the event of any conflict between this ) Tj ET Q q 0 0 0 rg BT 248.72 337.10 Td (Agreement, the Plan or the Sub-plan, the Sub-plan shall control. In the event ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 325.10 Td (of any ambiguity in this ) Tj ET Q q 0 0 0 rg BT 147.50 325.10 Td (Agreement, or any matters as to which this ) Tj ET Q q 0 0 0 rg BT 321.06 325.10 Td (Agreement is silent, the Sub-plan shall govern including, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 313.10 Td (without limitation, the provisions thereof pursuant to which the Committee has the power) Tj ET Q q 0 0 0 rg BT 407.59 313.10 Td (, among others, to \(a\)interpret the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td (Plan, \(b\)prescribe, amend and rescind rules and regulations relating to the Plan and Sub-plan, and \(c\)make all other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 289.10 Td (determinations deemed necessary or advisable for the administration of the Plan and Sub-plan. ) Tj ET Q q 0 0 0 rg BT 430.82 289.10 Td (The Employee hereby ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (acknowledges that a copy of the Plan and the Sub-plan has been made available to him and agrees to be bound by all the terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 265.10 Td (and provisions thereof. ) Tj ET Q q 0 0 0 rg BT 144.24 265.10 Td (The Employee and the Company each acknowledge that this ) Tj ET Q q 0 0 0 rg BT 388.33 265.10 Td (Agreement \(together with the Plan and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 253.10 Td (Sub-plan\) constitutes the entire agreement and supersedes all other agreements and understandings, both written and oral, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 241.10 Td (between the parties or either of them, with respect to the subject matter hereof.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (16. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 218.76699218750002 m 135.43359375 218.76699218750002 l s q 0 0 0 rg BT 86.00 220.10 Td (Amendment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.43 220.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 196.10 Td (The Company may modify) Tj ET Q q 0 0 0 rg BT 193.39 196.10 Td (, amend or waive the terms of the Performance Share Unit award, prospectively or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (retroactively) Tj ET Q q 0 0 0 rg BT 99.88 184.10 Td (, but no such modification, amendment or waiver shall materially impair the rights of the Employee without his or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (her consent, except as required by applicable law) Tj ET Q q 0 0 0 rg BT 245.93 172.10 Td (, stock exchange rules, tax rules or accounting rules. ) Tj ET Q q 0 0 0 rg BT 457.35 172.10 Td (The waiver by either ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (party of compliance with any provision of this ) Tj ET Q q 0 0 0 rg BT 237.19 160.10 Td (Agreement shall not operate or be construed as a waiver of any other provision ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (of this ) Tj ET Q q 0 0 0 rg BT 77.23 148.10 Td (Agreement, or of any subsequent breach by such party of a provision of this ) Tj ET Q q 0 0 0 rg BT 382.98 148.10 Td (Agreement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 127.10 Td (17. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 125.76699218750002 m 123.7685546875 125.76699218750002 l s q 0 0 0 rg BT 86.00 127.10 Td (Headings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.77 127.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 103.10 Td (The headings of Sections herein are included solely for convenience of reference and shall not af) Tj ET Q q 0 0 0 rg BT 473.16 103.10 Td (fect the meaning or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 91.10 Td (interpretation of any of the provisions of this ) Tj ET Q q 0 0 0 rg BT 231.08 91.10 Td (Agreement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (18. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 68.76699218750002 m 137.6552734375 68.76699218750002 l s q 0 0 0 rg BT 86.00 70.10 Td (Counterparts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.66 70.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 46.10 Td (This ) Tj ET Q q 0 0 0 rg BT 105.73 46.10 Td (Agreement may be executed in counterparts, which together shall constitute one and the same original.) Tj ET Q endstream endobj 541 0 obj <> endobj 542 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (19. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 740.7669921875 m 214.525390625 740.7669921875 l s q 0 0 0 rg BT 86.00 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 91.41 742.10 Td (erms of Of) Tj ET Q q 0 0 0 rg BT 134.55 742.10 Td (fice or Employment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.53 742.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 718.10 Td (\(a\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 718.10 Td (The Employee acknowledges and undertakes that:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 694.10 Td (\(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 694.10 Td (subject to Sections 5, his rights and obligations as an employee or director of the Company or any of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (its ) Tj ET Q q 0 0 0 rg BT 61.40 682.10 Td (Af) Tj ET Q q 0 0 0 rg BT 71.77 682.10 Td (filiates shall not be af) Tj ET Q q 0 0 0 rg BT 157.67 682.10 Td (fected by grant of the Performance Share Unit award or the delivery of Shares pursuant to such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (award; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 646.10 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 646.10 Td (subject to Section 4, the grant of the Performance Share Unit award or the delivery of Shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (pursuant to such unit give him no right or expectation to receive further opportunities to acquire Shares, except for any rights ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (which might be available to shareholders as such.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 598.10 Td (\(b\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 598.10 Td (The Employee irrevocably waives any rights that may arise to compensation or damages on account of any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (loss in respect of the Performance Share Unit award or the delivery of Shares pursuant to such award where such loss arises \(or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (is claimed to arise\), in whole or in part, from:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 550.10 Td (\(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 550.10 Td (termination of his of) Tj ET Q q 0 0 0 rg BT 239.75 550.10 Td (fice or employment with; or) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 526.10 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 526.10 Td (notice to terminate his of) Tj ET Q q 0 0 0 rg BT 257.79 526.10 Td (fice or employment given by or to, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (the Company) Tj ET Q q 0 0 0 rg BT 102.95 502.10 Td (, any ) Tj ET Q q 0 0 0 rg BT 124.34 502.10 Td (Af) Tj ET Q q 0 0 0 rg BT 134.71 502.10 Td (filiate or former ) Tj ET Q q 0 0 0 rg BT 200.52 502.10 Td (Af) Tj ET Q q 0 0 0 rg BT 210.89 502.10 Td (filiate. ) Tj ET Q q 0 0 0 rg BT 239.03 502.10 Td (This waiver shall apply however termination of of) Tj ET Q q 0 0 0 rg BT 439.62 502.10 Td (fice or employment, or the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (giving of notice, is caused, and however compensation or damages may be claimed.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 466.10 Td (\(c\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 466.10 Td (The Employee irrevocably waives any rights to compensation or damages that may arise on account of any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (loss in respect of the Performance Share Unit award or the delivery of Shares pursuant to such award where such loss arises \(or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (is claimed to arise\), in whole or in part, from:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 418.10 Td (\(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 418.10 Td (any company which employs him, or in which he holds of) Tj ET Q q 0 0 0 rg BT 390.28 418.10 Td (fice, ceasing to be an ) Tj ET Q q 0 0 0 rg BT 476.35 418.10 Td (Af) Tj ET Q q 0 0 0 rg BT 486.73 418.10 Td (filiate of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (Company; or) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.00 382.10 Td (\(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.00 382.10 Td (the transfer of the business in which he is employed from the Company \(or any ) Tj ET Q q 0 0 0 rg BT 476.54 382.10 Td (Af) Tj ET Q q 0 0 0 rg BT 486.91 382.10 Td (filiate of it\) to any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (person which is not the Company \(or an ) Tj ET Q q 0 0 0 rg BT 212.20 370.10 Td (Af) Tj ET Q q 0 0 0 rg BT 222.57 370.10 Td (filiate of it\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (This waiver shall apply however the change of status of the relevant company) Tj ET Q q 0 0 0 rg BT 360.91 346.10 Td (, or the transfer of the relevant business, is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (caused, and however compensation or damages may be claimed.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 313.10 Td (20. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 311.7669921875 m 278.7490234375 311.7669921875 l s q 0 0 0 rg BT 86.00 313.10 Td (Confidentiality of Schedule ) Tj ET Q q 0 0 0 rg BT 198.48 313.10 Td (A) Tj ET Q q 0 0 0 rg BT 205.15 313.10 Td ( to this ) Tj ET Q q 0 0 0 rg BT 234.33 313.10 Td (Agreement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.75 313.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 289.10 Td (By executing this ) Tj ET Q q 0 0 0 rg BT 157.94 289.10 Td (Agreement, the Employee acknowledges and agrees that the provisions of Schedule ) Tj ET Q q 0 0 0 rg BT 495.06 289.10 Td (A) Tj ET Q q 0 0 0 rg BT 501.73 289.10 Td ( to this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (Agreement shall be deemed confidential information \(except with respect to information that becomes generally available to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 265.10 Td (the public other than as a result of disclosure by the Employee, and then only to such extent\), and that the Employee will keep ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 253.10 Td (confidential all such provisions and shall not disclose them, directly or indirectly) Tj ET Q q 0 0 0 rg BT 372.61 253.10 Td (, to any person other than the Employee) Tj ET Q q 0 0 0 rg BT 534.79 253.10 Td (s legal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 241.10 Td (advisor as necessary in obtaining legal advice \(provided that such advisor is informed of the confidential nature of such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 229.10 Td (provisions and is subject to confidentiality and non-disclosure duties or obligations with respect to such provisions that are no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 217.10 Td (less restrictive than those contained in this Section\) or as required by law or legal process.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (21. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 194.76699218750002 m 125.9853515625 194.76699218750002 l s q 0 0 0 rg BT 86.00 196.10 Td (Clawback) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.99 196.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 172.10 Td (Notwithstanding any provisions in this ) Tj ET Q q 0 0 0 rg BT 242.95 172.10 Td (Agreement to the contrary) Tj ET Q q 0 0 0 rg BT 347.53 172.10 Td (, any Shares or other amounts paid or provided to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (Employee pursuant to this ) Tj ET Q q 0 0 0 rg BT 156.66 160.10 Td (Agreement \(including any gains realized on Shares issued pursuant to this ) Tj ET Q q 0 0 0 rg BT 454.64 160.10 Td (Agreement\), which Shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (or amounts are subject to recovery under any law) Tj ET Q q 0 0 0 rg BT 246.50 148.10 Td (, government regulation, stock exchange listing requirement, or any policy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (adopted by the Company from time to time, will be subject to such deductions and clawback as may be required to be made ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (pursuant to such law) Tj ET Q q 0 0 0 rg BT 131.84 124.10 Td (, government regulation, stock exchange listing requirement, or policy as in ef) Tj ET Q q 0 0 0 rg BT 444.34 124.10 Td (fect from time to time.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 103.10 Td (22. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 101.76699218750002 m 132.66015625 101.76699218750002 l s q 0 0 0 rg BT 86.00 103.10 Td (Disclosures) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.66 103.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 79.10 Td (Nothing in this ) Tj ET Q q 0 0 0 rg BT 147.95 79.10 Td (Agreement \(including Schedule ) Tj ET Q q 0 0 0 rg BT 277.08 79.10 Td (A) Tj ET Q q 0 0 0 rg BT 283.75 79.10 Td ( hereto\) shall be construed to restrict the Employee) Tj ET Q q 0 0 0 rg BT 490.35 79.10 Td (s ability to make ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 67.10 Td (a confidential disclosure of any trade secret or other confidential information to a government of) Tj ET Q q 0 0 0 rg BT 435.79 67.10 Td (ficial or an attorney for the sole ) Tj ET Q endstream endobj 543 0 obj <> endobj 544 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (purpose of reporting or assisting in the investigation of a suspected violation of law and the Employee shall not be held liable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (under this ) Tj ET Q q 0 0 0 rg BT 91.67 730.10 Td (Agreement or under any federal or state trade secret law for any such disclosure. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (23. ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 707.7669921875 m 170.1650390625 707.7669921875 l s q 0 0 0 rg BT 86.00 709.10 Td (Foreign Jurisdictions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.17 709.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 685.10 Td (This ) Tj ET Q q 0 0 0 rg BT 105.73 685.10 Td (Agreement shall be construed, interpreted and applied in such a manner as shall be necessary to comply with any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (legal or regulatory requirements of any jurisdiction to which the Employee is or becomes subject. ) Tj ET Q q 0 0 0 rg BT 442.49 673.10 Td (The Company hereby ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (delegates to each of the of) Tj ET Q q 0 0 0 rg BT 154.49 661.10 Td (ficers of the Company the authority for the interpretation of such matters, whose interpretations shall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (be final, binding and conclusive on the Employee and all individuals claiming any rights or benefits hereunder) Tj ET Q q 0 0 0 rg BT 491.27 649.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 253.95 616.90 Td ([Signatur) Tj ET Q q 0 0 0 rg BT 291.92 616.90 Td (e Page Follows]) Tj ET Q endstream endobj 545 0 obj <> endobj 546 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.15 31.60 Td (1) Tj ET Q q 0 0 0 rg BT 305.78 31.60 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 742.10 Td (IN ) Tj ET Q q 0 0 0 rg BT 98.87 742.10 Td (WITNESS ) Tj ET Q q 0 0 0 rg BT 144.52 742.10 Td (WHEREOF) Tj ET Q q 0 0 0 rg BT 192.05 742.10 Td (, as of the date first above written, the Company has caused this ) Tj ET Q q 0 0 0 rg BT 448.93 742.10 Td (Agreement to be executed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (on its behalf by a duly authorized of) Tj ET Q q 0 0 0 rg BT 194.50 730.10 Td (ficer and the Employee has hereunto set the Employee) Tj ET Q q 0 0 0 rg BT 414.98 730.10 Td (s hand. ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 665.6 m 412.5 665.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 665.6 m 562.5 665.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 590.6 m 562.5 590.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.00 700.27 Td (Date: ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 113.16 700.27 Td ([Acceptance Date]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 191.17 700.27 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.00 700.27 Td (EMPLOYEE: ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 452.61 700.27 Td ([Participant Name]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 394.00 655.28 Td ([Electr) Tj ET Q q 0 0 1 rg BT 423.24 655.28 Td (onic Signatur) Tj ET Q q 0 0 1 rg BT 480.57 655.28 Td (e]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 394.00 625.27 Td (UNUM GROUP) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.00 595.27 Td (By:) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 415.00 580.28 Td ([Authorized Signatur) Tj ET Q q 0 0 1 rg BT 506.30 580.28 Td (e]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 415.00 565.28 Td ([Name]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 415.00 550.28 Td ([T) Tj ET Q q 0 0 1 rg BT 424.82 550.28 Td (itle]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL endstream endobj 547 0 obj <> endobj 548 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.20 31.60 Td (A-1) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 282.5 728.53505859375 m 329.73388671875 728.53505859375 l s q 0 0 0 rg BT 282.50 730.10 Td (Schedule ) Tj ET Q q 0 0 0 rg BT 322.79 730.10 Td (A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (Subject to the terms and conditions of the ) Tj ET Q q 0 0 0 rg BT 218.31 700.10 Td (Agreement, the Employee shall earn a percentage of Performance Share Units based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (on the following two steps. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 667.10 Td (First, the number of Performance Share Units will be determined based on the following chart:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 647.6 m 231 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 646.6 m 233 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 634.6 m 231 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 632.6 m 231 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 646.6 m 233 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 648.1 m 231 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 646.6 m 378 646.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 648.1 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 634.6 m 378 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 632.6 m 379 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 646.6 m 525 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 648.1 m 527 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380 646.6 m 525 646.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 648.1 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380 634.6 m 525 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 632.6 m 525 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 632.6 m 86 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 634.6 m 84 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 632.6 m 231 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 632.6 m 233 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 632.6 m 231 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 634.6 m 231 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 596.6 m 231 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 594.6 m 231 594.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 632.6 m 233 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 632.6 m 231 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 632.6 m 379 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 632.6 m 379 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 634.6 m 378 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 596.6 m 379 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 594.6 m 379 594.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 633.6 m 379 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 632.6 m 525 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 633.6 m 527 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 632.6 m 525 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380 634.6 m 525 634.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 596.6 m 525 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 594.6 m 525 594.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 594.6 m 86 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 595.6 m 84 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 594.6 m 231 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 594.6 m 233 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 594.6 m 231 594.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 596.6 m 231 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 581.6 m 233 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 594.6 m 233 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 594.6 m 231 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 594.6 m 379 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 594.6 m 379 594.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 596.6 m 379 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 581.6 m 379 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 595.6 m 379 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 594.6 m 525 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 595.6 m 527 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 594.6 m 525 594.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 596.6 m 525 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 581.6 m 527 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 581.6 m 86 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 581.6 m 84 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 581.6 m 231 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 581.6 m 233 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 581.6 m 232 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 568.6 m 232 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 581.6 m 233 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 581.6 m 231 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 581.6 m 379 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 581.6 m 379 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 568.6 m 379 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 581.6 m 379 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 581.6 m 525 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 581.6 m 527 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 581.6 m 526 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 568.6 m 526 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 568.6 m 86 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 568.6 m 84 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 568.6 m 231 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 568.6 m 233 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 568.6 m 232 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 555.6 m 232 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 568.6 m 233 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 568.6 m 231 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 568.6 m 379 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 568.6 m 379 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 555.6 m 379 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 568.6 m 379 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 568.6 m 525 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 568.6 m 527 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 568.6 m 526 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 555.6 m 526 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 555.6 m 86 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 555.6 m 84 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 555.6 m 231 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 555.6 m 233 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 555.6 m 232 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 542.6 m 232 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 555.6 m 233 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 555.6 m 231 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 555.6 m 379 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 555.6 m 379 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 542.6 m 379 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 555.6 m 379 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 555.6 m 525 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 555.6 m 527 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 555.6 m 526 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 542.6 m 526 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 542.6 m 86 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 542.6 m 84 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 542.6 m 231 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 542.6 m 233 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 542.6 m 232 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 529.6 m 232 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 542.6 m 233 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 542.6 m 231 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 542.6 m 379 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 542.6 m 379 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 529.6 m 379 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 542.6 m 379 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 542.6 m 525 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 542.6 m 527 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 542.6 m 526 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 529.6 m 526 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 529.6 m 86 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 529.6 m 84 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 529.6 m 231 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 529.6 m 233 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 529.6 m 232 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 516.6 m 232 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 529.6 m 233 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 529.6 m 231 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 529.6 m 379 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 529.6 m 379 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 516.6 m 379 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 529.6 m 379 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 529.6 m 525 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 529.6 m 527 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 529.6 m 526 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 516.6 m 526 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 516.6 m 86 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 516.6 m 84 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 516.6 m 231 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 516.6 m 233 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 516.6 m 232 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 503.6 m 232 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 516.6 m 233 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 516.6 m 231 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 516.6 m 379 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 516.6 m 379 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 503.6 m 379 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 516.6 m 379 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 516.6 m 525 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 516.6 m 527 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 516.6 m 526 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 503.6 m 526 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 503.6 m 86 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 503.6 m 84 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 503.6 m 231 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 503.6 m 233 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 503.6 m 232 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 490.6 m 232 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 503.6 m 233 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 503.6 m 231 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 503.6 m 379 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 503.6 m 379 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 490.6 m 379 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 503.6 m 379 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 503.6 m 525 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 503.6 m 527 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 503.6 m 526 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 490.6 m 526 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 490.6 m 86 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 490.6 m 84 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 490.6 m 231 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 490.6 m 233 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 490.6 m 232 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 477.6 m 231 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 475.6 m 232 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 490.6 m 233 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 490.6 m 231 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 490.6 m 379 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 490.6 m 379 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 477.6 m 379 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232 475.6 m 379 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 490.6 m 379 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 490.6 m 525 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 490.6 m 527 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 490.6 m 526 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 477.6 m 525 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 475.6 m 527 475.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.90 638.17 Td (Performance Metrics*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.65 612.27 Td (Percentage of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.30 600.27 Td (Performance Share Units Earned) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.20 620.27 Td (A) Tj ET Q q 0 0 0 rg BT 251.05 620.27 Td (verage ) Tj ET Q q 0 0 0 rg BT 279.73 620.27 Td (Three-Y) Tj ET Q q 0 0 0 rg BT 313.01 620.27 Td (ear ) Tj ET Q q 0 0 0 rg BT 326.94 620.27 Td (After) Tj ET Q q 0 0 0 rg BT 347.66 620.27 Td (-T) Tj ET Q q 0 0 0 rg BT 356.65 620.27 Td (ax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.75 610.27 Td (Adjusted Operating Earnings Per) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.60 600.27 Td (Share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.70 624.17 Td (A) Tj ET Q q 0 0 0 rg BT 399.18 624.17 Td (verage ) Tj ET Q q 0 0 0 rg BT 428.14 624.17 Td (Three-Y) Tj ET Q q 0 0 0 rg BT 461.01 624.17 Td (ear ) Tj ET Q q 0 0 0 rg BT 475.17 624.17 Td (Adjusted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.00 612.17 Td (Operating) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.55 600.17 Td (Return on Equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.30 586.17 Td ( 50%) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 295.40 586.28 Td ($[ ]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 439.90 586.28 Td ([ ]%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 149.65 572.33 Td ([]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 295.40 572.33 Td ($[ ]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 439.90 572.33 Td ([ ]%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 149.65 559.33 Td ([]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 295.40 559.33 Td ($[ ]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 439.90 559.33 Td ([ ]%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 149.65 546.33 Td ([]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 295.40 546.33 Td ($[ ]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 439.90 546.33 Td ([ ]%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 149.65 533.33 Td ([]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 295.40 533.33 Td ($[ ]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 439.90 533.33 Td ([ ]%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 149.65 520.33 Td ([]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 295.40 520.33 Td ($[ ]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 439.90 520.33 Td ([ ]%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 149.65 507.33 Td ([]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 295.40 507.33 Td ($[ ]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 439.90 507.33 Td ([ ]%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 149.65 494.33 Td ([]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 295.40 494.33 Td ($[ ]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 439.90 494.33 Td ([ ]%) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 146.30 481.17 Td (150%) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 295.40 481.28 Td ($[ ]) Tj ET Q BT /F2 10.00 Tf ET q 0 0 1 rg BT 439.90 481.28 Td ([ ]%) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 8.00 Tf ET q 0 0 0 rg BT 86.00 465.50 Td (*If ) Tj ET Q q 0 0 0 rg BT 96.89 465.50 Td (Additional ) Tj ET Q q 0 0 0 rg BT 132.66 465.50 Td (Adjustment Items are applied to actual performance metrics, applicable adjustments may also be made to the tar) Tj ET Q q 0 0 0 rg BT 491.28 465.50 Td (gets listed in this ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 86.00 455.90 Td (table.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 434.90 Td (Each of the performance metrics above shall be weighted equally at 50 percent. Results that are in between the numbers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 422.90 Td (appearing on the chart shall be interpolated on a straight line basis and then rounded to the nearest tenth of a percentage.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 401.90 Td (Second, the final number of Performance Share Units earned will be determined by adjusting the number of Performance Share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 389.90 Td (Units derived from the chart above and multiplying it by the ) Tj ET Q q 0 0 0 rg BT 293.37 389.90 Td (TSR Factor as set forth in the chart below based on the ) Tj ET Q q 0 0 0 rg BT 515.36 389.90 Td (TSR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 377.90 Td (Percentile Ranking \(as defined below\):) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 357.4 m 86 345.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 358.9 m 84 344.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 357.4 m 306 345.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 357.4 m 306 357.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 358.9 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 345.4 m 306 345.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 343.4 m 306 343.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 358.4 m 306 344.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 357.4 m 525 345.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 358.9 m 527 344.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 357.4 m 525 357.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 358.9 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 345.4 m 525 345.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 343.4 m 525 343.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 343.4 m 86 330.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 344.4 m 84 330.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 343.4 m 306 330.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 343.4 m 306 343.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 345.4 m 306 345.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 330.4 m 306 330.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 344.4 m 306 330.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 343.4 m 525 330.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 344.4 m 527 330.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 343.4 m 525 343.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 345.4 m 525 345.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 330.4 m 527 330.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 330.4 m 86 316.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 330.4 m 84 316.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 330.4 m 306 316.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 330.4 m 306 330.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 316.4 m 306 316.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 330.4 m 306 316.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 330.4 m 525 316.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 330.4 m 527 316.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 330.4 m 526 330.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 316.4 m 526 316.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 316.4 m 86 302.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 316.4 m 84 302.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 316.4 m 306 302.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 316.4 m 306 316.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 302.4 m 306 302.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 316.4 m 306 302.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 316.4 m 525 302.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 316.4 m 527 302.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 316.4 m 526 316.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 302.4 m 526 302.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 302.4 m 86 288.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 302.4 m 84 288.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 302.4 m 306 288.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 302.4 m 306 302.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 288.4 m 306 288.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 302.4 m 306 288.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 302.4 m 525 288.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 302.4 m 527 288.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 302.4 m 526 302.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 288.4 m 526 288.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 288.4 m 86 275.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 288.4 m 84 273.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 288.4 m 306 275.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 85 288.4 m 306 288.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 86 275.4 m 306 275.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 84 273.4 m 306 273.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 288.4 m 306 274.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 288.4 m 525 275.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 288.4 m 527 273.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 288.4 m 526 288.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 275.4 m 525 275.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 273.4 m 527 273.4 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.35 348.97 Td (TSR Percentile Ranking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.30 348.97 Td (TSR Factor) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.20 334.97 Td (75% or above) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.25 334.97 Td (1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.05 320.97 Td (62.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.25 320.97 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.80 306.97 Td (50%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.25 306.97 Td (1.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.05 292.97 Td (42.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.25 292.97 Td (0.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.95 278.97 Td (35% or below) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.25 278.97 Td (0.8) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 253.90 Td (If the ) Tj ET Q q 0 0 0 rg BT 73.70 253.90 Td (TSR Percentile Ranking is in between the numbers appearing on the chart, the ) Tj ET Q q 0 0 0 rg BT 388.98 253.90 Td (TSR Factor shall be calculated based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 241.90 Td (straight line interpolation, rounded to the nearest hundredth of a point, with the final number of Performance Share Units ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 229.90 Td (earned rounded to three decimal places.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.90 Td (Additional ) Tj ET Q q 0 0 0 rg BT 99.16 208.90 Td (Adjustment Items shall mean any of the following to the extent not included or assumed in the Company) Tj ET Q q 0 0 0 rg BT 525.46 208.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.90 Td (financial plans for fiscal years ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 173.00 196.90 Td ([Y) Tj ET Q q 0 0 1 rg BT 182.45 196.90 Td (ear]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 199.65 196.90 Td ( to ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 212.43 196.90 Td ([Y) Tj ET Q q 0 0 1 rg BT 221.88 196.90 Td (ear+2]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 249.78 196.90 Td ( as of the date of this ) Tj ET Q q 0 0 0 rg BT 335.04 196.90 Td (Agreement: \(i\) adjustments resulting from accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.90 Td (policy changes, legal or regulatory rule or law changes; \(ii\) the impact of any acquisitions, divestitures or block reinsurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.90 Td (transactions; \(iii\) adjustments to the closed block of business; \(iv\) the ef) Tj ET Q q 0 0 0 rg BT 337.81 172.90 Td (fect of any regulatory) Tj ET Q q 0 0 0 rg BT 423.51 172.90 Td (, legal or tax settlements; \(v\) the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.90 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 160.90 Td (fect of changes to strategic asset allocation; \(vi\) debt issuance, repurchasing or retirement, or stock repurchase or issuance; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.90 Td (\(vii\) the ef) Tj ET Q q 0 0 0 rg BT 92.02 148.90 Td (fect of dif) Tj ET Q q 0 0 0 rg BT 131.26 148.90 Td (ferences between actual foreign currency exchange rates and those assumed in the financial plans; and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.90 Td (\(viii\)fees or assessments, including tax assessments, from legislation enacted after the date hereof.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 115.90 Td (Adjusted Operating Return on Equity shall mean, with respect to a fiscal year) Tj ET Q q 0 0 0 rg BT 368.67 115.90 Td (, the Company) Tj ET Q q 0 0 0 rg BT 430.05 115.90 Td (s ) Tj ET Q q 0 0 0 rg BT 435.89 115.90 Td (After) Tj ET Q q 0 0 0 rg BT 456.79 115.90 Td (-T) Tj ET Q q 0 0 0 rg BT 465.53 115.90 Td (ax ) Tj ET Q q 0 0 0 rg BT 476.91 115.90 Td (Adjusted Operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 103.90 Td (Earnings for such fiscal year divided by the average of the beginning and end of year stockholders) Tj ET Q q 0 0 0 rg BT 445.79 103.90 Td ( equity for such fiscal year) Tj ET Q q 0 0 0 rg BT 551.73 103.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 91.90 Td (adjusted to exclude the accumulated net unrealized gain or loss on securities, the accumulated net gain or loss on cash flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 79.90 Td (hedges and any ) Tj ET Q q 0 0 0 rg BT 113.59 79.90 Td (Additional ) Tj ET Q q 0 0 0 rg BT 158.32 79.90 Td (Adjustment Items, expressed as a percentage.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.90 Td (After) Tj ET Q q 0 0 0 rg BT 75.34 58.90 Td (-T) Tj ET Q q 0 0 0 rg BT 84.08 58.90 Td (ax ) Tj ET Q q 0 0 0 rg BT 95.46 58.90 Td (Adjusted Operating Earnings Per Share shall mean, with respect to a fiscal year) Tj ET Q q 0 0 0 rg BT 417.46 58.90 Td (, the Company) Tj ET Q q 0 0 0 rg BT 478.84 58.90 Td (s after) Tj ET Q q 0 0 0 rg BT 503.34 58.90 Td (-tax net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.90 Td (income or loss for such fiscal year) Tj ET Q q 0 0 0 rg BT 186.78 46.90 Td (, adjusted to exclude after) Tj ET Q q 0 0 0 rg BT 289.59 46.90 Td (-tax net realized investment gains or losses and any ) Tj ET Q q 0 0 0 rg BT 497.03 46.90 Td (Additional ) Tj ET Q endstream endobj 549 0 obj <> endobj 550 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.20 31.60 Td (A-2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Adjustment Items \(After) Tj ET Q q 0 0 0 rg BT 152.55 742.10 Td (-T) Tj ET Q q 0 0 0 rg BT 161.29 742.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 172.68 742.10 Td (Adjusted Operating Earnings\), divided by the weighted-average number of shares of common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (stock of the Company outstanding for such fiscal year \(assuming dilution\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (A) Tj ET Q q 0 0 0 rg BT 60.92 709.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 89.88 709.10 Td (Three-Y) Tj ET Q q 0 0 0 rg BT 122.75 709.10 Td (ear ) Tj ET Q q 0 0 0 rg BT 136.90 709.10 Td (Adjusted Operating Return on Equity shall mean the average of the ) Tj ET Q q 0 0 0 rg BT 412.66 709.10 Td (Adjusted Operating Return on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (Equity for each of the Company) Tj ET Q q 0 0 0 rg BT 181.35 697.10 Td (s fiscal years ending on December 31, ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 336.30 697.10 Td ([Y) Tj ET Q q 0 0 1 rg BT 345.74 697.10 Td (ear]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 362.95 697.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 367.95 697.10 Td ([Y) Tj ET Q q 0 0 1 rg BT 377.39 697.10 Td (ear+1]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 405.30 697.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 424.74 697.10 Td ([Y) Tj ET Q q 0 0 1 rg BT 434.18 697.10 Td (ear+2]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 462.08 697.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (A) Tj ET Q q 0 0 0 rg BT 60.92 676.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 89.88 676.10 Td (Three-Y) Tj ET Q q 0 0 0 rg BT 122.75 676.10 Td (ear ) Tj ET Q q 0 0 0 rg BT 136.90 676.10 Td (After) Tj ET Q q 0 0 0 rg BT 157.80 676.10 Td (-T) Tj ET Q q 0 0 0 rg BT 166.54 676.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 177.93 676.10 Td (Adjusted Operating Earnings Per Share shall mean the average of the ) Tj ET Q q 0 0 0 rg BT 461.45 676.10 Td (After) Tj ET Q q 0 0 0 rg BT 482.34 676.10 Td (-T) Tj ET Q q 0 0 0 rg BT 491.08 676.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 502.47 676.10 Td (Adjusted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (Operating Earnings Per Share for each of the Company) Tj ET Q q 0 0 0 rg BT 273.82 664.10 Td (s fiscal years ending on December 31, ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 428.76 664.10 Td ([Y) Tj ET Q q 0 0 1 rg BT 438.21 664.10 Td (ear]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 455.42 664.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 460.42 664.10 Td ([Y) Tj ET Q q 0 0 1 rg BT 469.86 664.10 Td (ear+1]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 497.76 664.10 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 517.20 664.10 Td ([Y) Tj ET Q q 0 0 1 rg BT 526.65 664.10 Td (ear+2]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 554.55 664.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 643.10 Td (Peer Group shall mean the following group of peer companies: ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 313.25 643.10 Td ([List of Peer) Tj ET Q q 0 0 1 rg BT 365.83 643.10 Td ( Companies]) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 419.44 643.10 Td (. ) Tj ET Q q 0 0 0 rg BT 426.39 643.10 Td (A) Tj ET Q q 0 0 0 rg BT 433.06 643.10 Td ( company shall be removed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 631.10 Td (from the Peer Group if it: \(i\) ceases to be a domestically domiciled publicly traded company on a national stock exchange or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 619.10 Td (market system, unless such cessation of such listing is due to a low stock price or low trading volume; \(ii\) has gone private; \(iii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 607.10 Td (has reincorporated in a foreign \(e.g., non-U.S.\) jurisdiction, regardless of whether it is a reporting company in that or another ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 595.10 Td (jurisdiction; or \(iv\) has been acquired by another company \(whether by another company in the Peer Group or otherwise, but ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 583.10 Td (not including internal reor) Tj ET Q q 0 0 0 rg BT 154.51 583.10 Td (ganizations\) or has sold all or substantially all of its assets. ) Tj ET Q q 0 0 0 rg BT 391.14 583.10 Td (A) Tj ET Q q 0 0 0 rg BT 397.81 583.10 Td ( company that is removed from the Peer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 571.10 Td (Group before the end of the Performance Period will be excluded from the calculation of ) Tj ET Q q 0 0 0 rg BT 407.74 571.10 Td (TSR Percentile Ranking.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (T) Tj ET Q q 0 0 0 rg BT 59.85 550.10 Td (otal Shareholder Return shall mean total shareholder return as applied to the Company or any company in the Peer Group, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (determined by comparing the average of the applicable company) Tj ET Q q 0 0 0 rg BT 312.11 538.10 Td (s closing stock prices over the 20 trading days immediately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (preceding the first day of the Performance Period with the average of the applicable company) Tj ET Q q 0 0 0 rg BT 427.08 526.10 Td (s closing stock prices over the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (last 20 trading days of the Performance Period, including dividends and distributions made or) Tj ET Q q 0 0 0 rg BT 423.97 514.10 Td (, with respect to which a record ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (date has occurred, declared \(assuming such dividends or distributions are reinvested in the common stock of the Company or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (any company in the Peer Group\) during the Performance Period.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 469.10 Td (TSR Percentile Ranking shall mean the relative ranking of the Company) Tj ET Q q 0 0 0 rg BT 351.58 469.10 Td (s ) Tj ET Q q 0 0 0 rg BT 357.79 469.10 Td (T) Tj ET Q q 0 0 0 rg BT 363.20 469.10 Td (otal Shareholder Return as compared to the ) Tj ET Q q 0 0 0 rg BT 538.80 469.10 Td (T) Tj ET Q q 0 0 0 rg BT 544.21 469.10 Td (otal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 457.10 Td (Shareholder Returns of the Peer Group companies, expressed as a percentile ranking.) 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Paul Jullienne, each with power to act without the other and with full ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (power of substitution and resubstitution, as his or her true and lawful attorney-in-fact and agent for him or her and in his or her ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.25 Td (name, place, and stead, in any and all capacities, to sign the Company's ) Tj ET Q q 0 0 0 rg BT 337.00 661.25 Td (Annual Report on Form 10-K for the fiscal year ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.25 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.58 649.25 Td (, or such other form or forms as any such attorney-in-fact may deem necessary or advisable, and any and all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 637.25 Td (amendments or supplements thereto, and to file the same, together with all exhibits thereto and any and all other documents in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 625.25 Td (connection therewith, with the U.S. Securities and Exchange Commission pursuant to the Securities ) Tj ET Q q 0 0 0 rg BT 451.59 625.25 Td (Act of 1934, as amended, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 613.25 Td (and the rules or regulations thereunder) Tj ET Q q 0 0 0 rg BT 203.71 613.25 Td (, granting unto each said attorney-in-fact and agent full power and authority to do and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 601.25 Td (perform each and every act and thing requisite, necessary) Tj ET Q q 0 0 0 rg BT 278.97 601.25 Td (, or desirable to be done in connection therewith, as fully and to all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 589.25 Td (intents and purposes as he or she might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 577.25 Td (agents, or any of them or their substitutes or resubstitutes, may lawfully do or cause to be done by virtue hereof. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 541.25 Td (IN ) Tj ET Q q 0 0 0 rg BT 80.87 541.25 Td (WITNESS ) Tj ET Q q 0 0 0 rg BT 126.52 541.25 Td (WHEREOF) Tj ET Q q 0 0 0 rg BT 174.05 541.25 Td (, ) Tj ET Q q 0 0 0 rg BT 179.05 541.25 Td (the ) Tj ET Q q 0 0 0 rg BT 193.77 541.25 Td (undersigned ) Tj ET Q q 0 0 0 rg BT 245.14 541.25 Td (have ) Tj ET Q q 0 0 0 rg BT 266.52 541.25 Td (each ) Tj ET Q q 0 0 0 rg BT 287.34 541.25 Td (executed ) Tj ET Q q 0 0 0 rg BT 325.37 541.25 Td (this ) Tj ET Q q 0 0 0 rg BT 342.32 541.25 Td (Power ) Tj ET Q q 0 0 0 rg BT 370.37 541.25 Td (of ) Tj ET Q q 0 0 0 rg BT 380.65 541.25 Td (Attorney ) Tj ET Q q 0 0 0 rg BT 418.69 541.25 Td (as ) Tj ET Q q 0 0 0 rg BT 429.52 541.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.35 541.25 Td (February19, ) Tj ET Q q 0 0 0 rg BT 493.95 541.25 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.95 541.25 Td (.) 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Bunting, Jr) Tj ET Q q 0 0 0 rg BT 171.87 496.62 Td (.) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 344.00 496.62 Td (/s/ ) Tj ET Q q 0 0 0 rg BT 357.04 496.62 Td (T) Tj ET Q q 0 0 0 rg BT 363.47 496.62 Td (imothy F) Tj ET Q q 0 0 0 rg BT 402.87 496.62 Td (. Keaney) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 52.00 481.62 Td (Theodore H. Bunting, Jr) Tj ET Q q 0 0 0 rg BT 158.93 481.62 Td (.) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 344.00 481.62 Td (T) Tj ET Q q 0 0 0 rg BT 350.53 481.62 Td (imothy F) Tj ET Q q 0 0 0 rg BT 389.93 481.62 Td (. Keaney) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 52.00 454.62 Td (/s/ E. Michael Caulfield) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 344.00 454.62 Td (/s/ Gloria C. Larson) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 52.00 439.62 Td (E. Michael Caulfield) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 344.00 439.62 Td (Gloria C. Larson) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 52.00 412.62 Td (/s/ Susan D. 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Egan) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 344.00 313.62 Td (Francis J. Shammo) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 52.00 286.62 Td (/s/ Kevin ) Tj ET Q q 0 0 0 rg BT 94.68 286.62 Td (T) Tj ET Q q 0 0 0 rg BT 100.89 286.62 Td (. Kabat) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 52.00 271.62 Td (Kevin ) Tj ET Q q 0 0 0 rg BT 81.43 271.62 Td (T) Tj ET Q q 0 0 0 rg BT 87.34 271.62 Td (. Kabat) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 557 0 obj <> endobj 558 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 274.65 742.25 Td (EXHIBIT) Tj ET Q q 0 0 0 rg BT 317.26 742.25 Td ( 31.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 265.70 718.25 Td (CER) Tj ET Q q 0 0 0 rg BT 286.46 718.25 Td (TIFICA) Tj ET Q q 0 0 0 rg BT 320.72 718.25 Td (TION) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (I, Richard P) Tj ET Q q 0 0 0 rg BT 96.94 694.25 Td (. McKenney) Tj ET Q q 0 0 0 rg BT 145.72 694.25 Td (, certify that: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (1. 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) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 466.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 454.25 Td (\(b\) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 442.25 Td (designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 430.25 Td (preparation of financial statements for external purposes in accordance with generally accepted accounting principles;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 418.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 406.25 Td (\(c\) Evaluated the ef) Tj ET Q q 0 0 0 rg BT 142.38 406.25 Td (fectiveness of the registrant's disclosure controls and procedures and presented in this report our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 394.25 Td (conclusions about the ef) Tj ET Q q 0 0 0 rg BT 160.74 394.25 Td (fectiveness of the disclosure controls and procedures, as of the end of the period covered by this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 382.25 Td (report based on such evaluation; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 358.25 Td (\(d\) Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 346.25 Td (registrant's most recent fiscal quarter \(the registrant's fourth quarter in the case of an annual report\) that has materially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 334.25 Td (af) Tj ET Q q 0 0 0 rg BT 71.59 334.25 Td (fected, or is reasonably likely to materially af) Tj ET Q q 0 0 0 rg BT 253.00 334.25 Td (fect, the registrant's internal control over financial reporting; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 322.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.25 Td (5. ) Tj ET Q q 0 0 0 rg BT 62.32 310.25 Td (The registrant's other certifying of) Tj ET Q q 0 0 0 rg BT 198.89 310.25 Td (ficer and I have disclosed, based on our most recent evaluation of internal control over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors \(or persons ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (performing the equivalent functions\): ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 262.25 Td (\(a\) ) Tj ET Q q 0 0 0 rg BT 77.05 262.25 Td (All significant deficiencies and material weaknesses in the design or operation of internal control over financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 250.25 Td (reporting which are reasonably likely to adversely af) Tj ET Q q 0 0 0 rg BT 274.57 250.25 Td (fect the registrant's ability to record, process, summarize and report ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 238.25 Td (financial information; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 214.25 Td (\(b\) ) Tj ET Q q 0 0 0 rg BT 77.61 214.25 Td (Any fraud, whether or not material, that involves management or other employees who have a significant role in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 202.25 Td (registrant's internal control over financial reporting. ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 249.5 141.75 m 561.5 141.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 146.32 Td (Date: February 19, 2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.00 146.32 Td (/s/ Richard P) Tj ET Q q 0 0 0 rg BT 305.61 146.32 Td (. McKenney) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.00 132.32 Td (Richard ) Tj ET Q q 0 0 0 rg BT 286.16 132.32 Td (P) Tj ET Q q 0 0 0 rg BT 290.61 132.32 Td (. ) Tj ET Q q 0 0 0 rg BT 295.61 132.32 Td (McKenney) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.00 118.32 Td (President and Chief Executive Of) Tj ET Q q 0 0 0 rg BT 386.22 118.32 Td (ficer) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 90.25 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 90.25 Td ( signed original of this written statement required by Section 302 of the Sarbanes-Oxley ) Tj ET Q q 0 0 0 rg BT 410.48 90.25 Td (Act of 2002 has been provided to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 78.25 Td (Unum Group and will be retained by Unum Group and furnished to the Securities and Exchange Commission or its staf) Tj ET Q q 0 0 0 rg BT 528.34 78.25 Td (f upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 66.25 Td (request. ) Tj ET Q endstream endobj 559 0 obj <> endobj 560 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 274.65 742.25 Td (EXHIBIT) Tj ET Q q 0 0 0 rg BT 317.26 742.25 Td ( 31.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 265.70 718.25 Td (CER) Tj ET Q q 0 0 0 rg BT 286.46 718.25 Td (TIFICA) Tj ET Q q 0 0 0 rg BT 320.72 718.25 Td (TION) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (I, ) Tj ET Q q 0 0 0 rg BT 58.33 694.25 Td (John ) Tj ET Q q 0 0 0 rg BT 79.72 694.25 Td (F) Tj ET Q q 0 0 0 rg BT 84.48 694.25 Td (. ) Tj ET Q q 0 0 0 rg BT 89.48 694.25 Td (McGarry) Tj ET Q q 0 0 0 rg BT 125.48 694.25 Td (, ) Tj ET Q q 0 0 0 rg BT 130.48 694.25 Td (certify ) Tj ET Q q 0 0 0 rg BT 159.08 694.25 Td (that:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (1. I have reviewed this annual report on Form 10-K of Unum Group; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (with respect to the period covered by this report; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (3. 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and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 358.25 Td (\(d\) Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 346.25 Td (registrant's most recent fiscal quarter \(the registrant's fourth quarter in the case of an annual report\) that has materially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 334.25 Td (af) Tj ET Q q 0 0 0 rg BT 71.59 334.25 Td (fected, or is reasonably likely to materially af) Tj ET Q q 0 0 0 rg BT 253.00 334.25 Td (fect, the registrant's internal control over financial reporting; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.25 Td (5. ) Tj ET Q q 0 0 0 rg BT 62.32 310.25 Td (The registrant's other certifying of) Tj ET Q q 0 0 0 rg BT 198.89 310.25 Td (ficer and I have disclosed, based on our most recent evaluation of internal control over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors \(or persons ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (performing the equivalent functions\): ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 262.25 Td (\(a\) ) Tj ET Q q 0 0 0 rg BT 77.05 262.25 Td (All significant deficiencies and material weaknesses in the design or operation of internal control over financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 250.25 Td (reporting which are reasonably likely to adversely af) Tj ET Q q 0 0 0 rg BT 274.57 250.25 Td (fect the registrant's ability to record, process, summarize and report ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 238.25 Td (financial information; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 214.25 Td (\(b\) ) Tj ET Q q 0 0 0 rg BT 77.61 214.25 Td (Any fraud, whether or not material, that involves management or other employees who have a significant role in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.00 202.25 Td (registrant's internal control over financial reporting. ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 249.5 141.75 m 561.5 141.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 146.32 Td (Date: February 19, 2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.00 146.32 Td (/s/ John F) Tj ET Q q 0 0 0 rg BT 290.50 146.32 Td (. McGarry) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.00 132.32 Td (John F) Tj ET Q q 0 0 0 rg BT 278.55 132.32 Td (. McGarry) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.00 118.32 Td (Executive ) Tj ET Q q 0 0 0 rg BT 294.30 118.32 Td (V) Tj ET Q q 0 0 0 rg BT 300.92 118.32 Td (ice President and Chief Financial Of) Tj ET Q q 0 0 0 rg BT 446.53 118.32 Td (ficer) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 90.25 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 90.25 Td ( signed original of this written statement required by Section 302 of the Sarbanes-Oxley ) Tj ET Q q 0 0 0 rg BT 410.48 90.25 Td (Act of 2002 has been provided to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 78.25 Td (Unum Group and will be retained by Unum Group and furnished to the Securities and Exchange Commission or its staf) Tj ET Q q 0 0 0 rg BT 528.34 78.25 Td (f upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 66.25 Td (request. ) Tj ET Q endstream endobj 561 0 obj <> endobj 562 0 obj <> stream BT /F2 10.00 Tf ET q 0 0 0 rg BT 274.65 742.25 Td (EXHIBIT) Tj ET Q q 0 0 0 rg BT 317.26 742.25 Td ( 32.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 195.75 718.25 Td (ST) Tj ET Q q 0 0 0 rg BT 207.24 718.25 Td (A) Tj ET Q q 0 0 0 rg BT 213.72 718.25 Td (TEMENT) Tj ET Q q 0 0 0 rg BT 256.88 718.25 Td ( OF) Tj ET Q q 0 0 0 rg BT 272.89 718.25 Td ( CHIEF) Tj ET Q q 0 0 0 rg BT 306.69 718.25 Td ( EXECUTIVE OFFICER) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 263.40 706.25 Td (OF) Tj ET Q q 0 0 0 rg BT 276.92 706.25 Td ( UNUM GROUP) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 213.05 694.25 Td (PURSUANT) Tj ET Q q 0 0 0 rg BT 267.32 694.25 Td ( ) Tj ET Q q 0 0 0 rg BT 269.64 694.25 Td (T) Tj ET Q q 0 0 0 rg BT 276.13 694.25 Td (O 18 U.S.C. SECTION 1350,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 237.50 682.25 Td (AS ) Tj ET Q q 0 0 0 rg BT 252.23 682.25 Td (ADOPTED PURSUANT) Tj ET Q q 0 0 0 rg BT 357.89 682.25 Td ( ) Tj ET Q q 0 0 0 rg BT 360.21 682.25 Td (T) Tj ET Q q 0 0 0 rg BT 366.70 682.25 Td (O) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 197.10 670.25 Td ( 906 OF) Tj ET Q q 0 0 0 rg BT 235.62 670.25 Td ( ) Tj ET Q q 0 0 0 rg BT 237.93 670.25 Td (THE SARBANES-OXLEY) Tj ET Q q 0 0 0 rg BT 353.42 670.25 Td ( ) Tj ET Q q 0 0 0 rg BT 355.37 670.25 Td (ACT) Tj ET Q q 0 0 0 rg BT 376.30 670.25 Td ( OF) Tj ET Q q 0 0 0 rg BT 392.32 670.25 Td ( 2002) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (In connection with the ) Tj ET Q q 0 0 0 rg BT 141.65 646.25 Td (Annual Report of Unum Group \(the Company\) on Form 10-K for the period ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.47 646.25 Td (December31, 2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 554.05 646.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (as filed with the Securities and Exchange Commission on the date hereof \(the Report\), the undersigned, Richard P) Tj ET Q q 0 0 0 rg BT 505.72 634.25 Td (. McKenney) Tj ET Q q 0 0 0 rg BT 554.50 634.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (President and Chief Executive Of) Tj ET Q q 0 0 0 rg BT 184.22 622.25 Td (ficer of the Company) Tj ET Q q 0 0 0 rg BT 268.82 622.25 Td (, certifies, pursuant to 18 U.S.C. 1350, as adopted pursuant to 906 of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (the Sarbanes-Oxley ) Tj ET Q q 0 0 0 rg BT 130.53 610.25 Td (Act of 2002, that: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (1. ) Tj ET Q q 0 0 0 rg BT 62.32 586.25 Td (The Report fully complies with the requirements of Section 13\(a\) or 15\(d\) of the Securities Exchange ) Tj ET Q q 0 0 0 rg BT 470.54 586.25 Td (Act of 1934; and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (2. ) Tj ET Q q 0 0 0 rg BT 62.32 562.25 Td (The information contained in the Report fairly presents, in all material respects, the financial condition and results of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (operations of the Company) Tj ET Q q 0 0 0 rg BT 157.94 550.25 Td (. ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 249.5 501.75 m 561.5 501.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 506.32 Td (Date: February 19, 2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.00 506.32 Td (/s/ Richard P) Tj ET Q q 0 0 0 rg BT 305.61 506.32 Td (. McKenney) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.00 492.32 Td (Richard P) Tj ET Q q 0 0 0 rg BT 291.16 492.32 Td (. 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