Gallagher HR3 - Page 2

>"6C?=A,;!6D
.'**'E8$%!.%<)F!C2G21$/
H'82I'1$'!;%2J$K!>%2J'1$!6'E!BLMN
A'G2*1<(K!-$O!P$'*'(/
OOOQE'**'E8$%'G#Q:<G
R<FS%2E81!T!.'**'E8$%!.%<)F!C2G21$/!MLLUQ
5**!%2E81#!%$#$%J$/Q!!>'1$(1#!>$(/2(EQ
.'**'E8$%!=G'%14$'/$%!A4
B!"#$%!&'()'*
B,LUML!+!,/212<(!V!+!&'%:8!MLLW
DISCLAIMER X82*#1!$J$%S!$YY<%1!8'#!9$$(!G'/$!1<!
$(#)%$!'::)%':SK!($218$%!.'**'E8$%!.%<)F!C2G21$/!(<%!
'(S!$GF*<S$$!<Y!18$!:<GF'(SK!#8'**!9$!*2'9*$!<(!'(S!
E%<)(/!O8'1#<$J$%!1<!'(S!F'%1S!2(!%$#F$:1!<Y!/$:2#2<(#!
<%!':12<(#!18$S!G'S!G'I$!'#!'!%$#)*1!<Y!)#2(E!182#!
2(Y<%G'12<(Q
?(!'::<%/'(:$!O218!18$!.'**'E8$%!F<*2:S!<Y!:<(12()2(E!
/$J$*<FG$(1K!/$#2E(!'(/!#F$:2Y2:'12<(#!'%$!#)9Z$:1!1<!
:8'(E$!O218<)1!(<12:$Q
;$J$*<F$/!'(/!G'()Y':1)%$/!9S!.'**'E8$%!.%<)F!
C2G21$/K!'(!?=[!WLL\]MLLL!R$%12Y2$/!=)FF*2$%Q