7REHWKH&KLHI(YDQJHOLVW
(QGHU3UR6HULHV'3ULQWHU
Ǐ7RPDNH7RSTXDOLW\'SULQWHUǐ
ƹ 7KLVJXLGHLVIRU WKH(QGHU3UR6HULHVRI'SULQWHUV
ƹ 6HOHFWWKHFRUUHFWLQSXWYROWDJHWRPDWFK\RXUORFDOPDLQV
9RU9
ƹ %HFDXVHRIVRIWZDUHKDUGZDUHXSJUDGHVDQGPRGHO
GLIIHUHQFHVQHZUHYLVLRQVPD\QRWEHOLVWHGLQWKLVJXLGH
ƹ WůĞĂƐĞƉůƵŐƚŚĞƉŽǁĞƌĐŽƌĚŝŶƚŽĂƚŚƌĞĞͲŚŽůĞƉŽǁĞƌũĂĐŬ͘
ƹ 'HWDLOHGLQVWUXFWLRQVIRUXVHDUHDYDLODEOHRQWKH7) FDUG
9
1RWHV
'RQRWXVHWKH3ULQWHULQDQ\ZD\RWKHUWKDQGHVFULEHGKHUHLQWRDYRLGSHUVRQDOLQMXU\RUSURSHUW\
GDPDJH
'RQRWSODFHWKH3ULQWHUQHDUIODPPDEOHVH[SORVLYHVRUKHDWVRXUFHV,WLVEHVWWRSODFHLWLQDZHOO
YHQWLODWHGORZGXVWHQYLURQPHQW
'RQRWH[SRVHWKH3ULQWHUWRYLROHQWYLEUDWLRQRUDQ\XQVWDEOHHQYLURQPHQW7KLVZLOOFDXVHSRRUSULQW
TXDOLW\
7KHILODPHQWVUHFRPPHQGHGE\WKHPDQXIDFWXUHUDUHSUHIHUUHGDVWRDYRLGFORJJLQJLQWKHKRWHQG
DQGRU3ULQWHUGDPDJH
'RQRWXVHDQ\RWKHUSRZHUFDEOHWKDQWKHRQHVXSSOLHG8VHDJURXQGHGWKUHHSURQJSRZHURXWOHW
'RQRWWRXFKWKHQR]]OHRUKRWEHGGXULQJSULQWLQJ.HHSKDQGVDZD\IURPPDFKLQHZKLOHLQXVHWR
DYRLGEXUQVRUSHUVRQDOLQMXU\
'RQRWZHDUJORYHVRUORRVHFORWKLQJZKHQRSHUDWLQJWKH3ULQWHU7KHVHORRVHDUWLFOHVFDQEHFRPH
FDXJKWLQPRYLQJSDUWVDQGFDXVHSHUVRQDOLQMXU\RU3ULQWHUGDPDJH
&OHDQRIIILODPHQWIURPWKHQR]]OHWLSZLWKWKHSURYLGHGSOLHUVEHIRUHWKHQR]]OHFRROV'RQRWWRXFKWKH
QR]]OHGLUHFWO\7KLVFDQFDXVHSHUVRQDOLQMXU\
&OHDQWKH3ULQWHUIUHTXHQWO\:LWKWKHPDFKLQHSRZHUHGRIIFOHDQWKHSULQWHUERG\ZLWKDGU\FORWKWR
UHPRYHGXVWDGKHUHGSULQWLQJPDWHULDOVDQGIRUHLJQREMHFWVRQJXLGHUDLOV8VHJODVVFOHDQHURU
LVRSURS\O$OFRKROWRFOHDQWKHSULQWVXUIDFHEHIRUHHYHU\SULQWIRUFRQVLVWHQWUHVXOWV
&KLOGUHQXQGHU\HDUVRIDJHVKRXOGQRWXVHWKH3ULQWHUZLWKRXWVXSHUYLVLRQ
&RQWHQWV
,QWURGXFWLRQ««««««««« 6RIWZDUH,QVWDOODWLRQ««««««
6FUHHQ,QIRUPDWLRQ«««««« 3UHSDULQJWR3ULQW««««««««
/RDGLQJ)LODPHQW 7URXEOHVKRRWLQJ««««««««
%HG/HYHOLQJ &LUFXLW:LULQJ'LDJUDP«««««««
3UHIDFH
'HDUFRQVXPHUV
7KDQN\RXIRUFKRRVLQJRXUSURGXFWV)RUWKHEHVWH[SHULHQFHSOHDVHUHDGWKHLQVWUXFWLRQVEHIRUHRSHUDWLQJWKH3ULQWHU2XU'WHDPLVDOZD\V
UHDG\WRSURYLGH\RXZLWKDVVLVWDQFH3OHDVHFRQWDFWXVYLDWKHSKRQHQXPEHURUHPDLODGGUHVVSURYLGHGDWWKHHQGZKHQ\RXHQFRXQWHUDQ\
SUREOHPZLWKWKH3ULQWHU
)RUDEHWWHUH[SHULHQFHLQXVLQJRXUSURGXFW\RXPD\OHDUQKRZWRXVHWKH3ULQWHULQWKHIROORZLQJZD\V
9LHZWKHDFFRPSDQLHGLQVWUXFWLRQVDQGYLGHRVRQWKH7) FDUG
9LVLWRXURIILFLDOZHEVLWHDWZZZFUHDOLW\GFQ<RXZLOOILQGUHOHYDQWVRIWZDUHKDUGZDUHLQIRUPDWLRQFRQWDFWGHWDLOVDQGRSHUDWLRQDQG
PDLQWHQDQFHLQVWUXFWLRQVRQWKHZHEVLWH
,QWURGXFWLRQ
7) 6ORW DQG 86% 3RUW 'LVSOD\6FUHHQ 3RZHU =6WHSSHU
&RQWURO%R[ 1R]]OH$VVHPEO\ </LPLW6ZLWFK =/LPLW6ZLWFK
3ULQW6XUIDFH 6SRRO+ROGHU <6WHSSHU ;/LPLW6ZLWFK
&RQWURO.QRE ([WUXGHU ( 6WHSSHU &RXSOLQJ ;6WHSSHU
6FUHHQ,QIRUPDWLRQ
,QIRUPDWLRQ'LVSOD\HG
6HW7HPSHUDWXUHRIWKH
1R]]OH
&XUUHQW7HPSHUDWXUH
3ULQW6SHHG RIWKH1R]]OH
0RGHO 6HW7HPSHUDWXUHRIWKH
+RW%HG
&XUUHQW7HPSHUDWXUHRI
WKH+RW%HG
3DUW&RROLQJ)DQ6SHHG
&XUUHQW/RFDWLRQRIWKH
QR]]OH
3ULQW7LPH
3ULQW3URJUHVV
3URPSW0HVVDJH
3XVK˖2.(QWHU6XE0HQX
7XUQ˖&KDQJH2SWLRQ9DOXH
/RDGLQJ)LODPHQW
3UHKHDW )HHGLQJ
0HWKRG
0HWKRG
3UHVVDQGKROGWKHH[WUXGHUOHYHUWKHQLQVHUWPP
ILODPHQWWKURXJKWKHVPDOOKROHRIWKHH[WUXGHU&RQWLQXH
IHHGLQJ XQWLO \RX VHH ILODPHQW FRPH RXW WKH QR]]OH
7LS˖
˖+RZWR5HSODFHWKH)LODPHQW˛
ǃ&XWWLQJILODPHQW QHDUWKH([WUXGHUDQGVORZO\IHHG
QHZILODPHQWXQWLOWKH\DUHIHGLQWRWKHQHZILODPHQW
ǃ3UHKHDWLQJWKHQR]]OHDQGZLWKGUDZWKHILODPHQW
TXLFNO\DQGIHHGWKHQHZILODPHQW
%HG/HYHOLQJ
3UHSDUHĺ$XWR+RPH:DLWIRUWKHQR]]OHWRPRYHWR WKH
OHIWIURQWRIWKHSODWIRUP
3UHSDUHĺ'LVDEOH6WHSSHUV &ORVHVWHSSHUGULYHˈUHOHDVH
PRWRU
0RYHWKHQR]]OHWKHIURQWOHIWOHYHOLQJ VFUHZ DQGDGMXVWWKHSODWIRUP
KHLJKWE\WXUQLQJWKHNQREXQGHUQHDWK8VHDSLHFHRI$SDSHU VWDQGDUG
SULQWHUSDSHU WRDVVLVWZLWKWKHDGMXVWPHQWPDNLQJVXUHWKDWWKHQR]]OH
OLJKWO\VFUDWFKHVWKHSDSHU
&RPSOHWHWKHDGMXVWPHQWRIWKHVFUHZRQDOOFRUQHUV
5HSHDWDERYHVWHSVWLPHVLIQHFHVVDU\
7URXEOHVKRRWLQJ
&LUFXLW:LULQJ'LDJUDP
