$YRLGLQJULVNVWRFKLOGUHQDQGRWKHUDW
ULVNSHUVRQV
3HUVRQVDWULVNDUH
ʫ
&KLOGUHQ
ʫ
3HUVRQVZLWKSK\VLFDOGLVDELOLWLHVOHDUQLQJGLVDELOLWLHV
RUKHDULQJYLVXDODQGRURWKHULPSDLUPHQWV
ʫ
3HUVRQVZKRGRQRWKDYHVXIILFLHQWNQRZOHGJHDERXW
KRZWRXVHWKHDSSOLDQFHVDIHO\
$FWLRQUHTXLUHG
ʫ
0DNHVXUHWKDWFKLOGUHQDQGRWKHUDWULVNSHUVRQVKDYH
XQGHUVWRRGWKHGDQJHUV
ʫ
$SHUVRQUHVSRQVLEOHIRUVDIHW\PXVWVXSHUYLVHRU
LQVWUXFWFKLOGUHQDQGRWKHUDWULVNSHUVRQVZKHQWKH\DUH
XVLQJWKHDSSOLDQFH
ʫ
'RQRWDOORZFKLOGUHQXQGHU\HDUVROGWRXVHWKH
DSSOLDQFH
ʫ
6XSHUYLVHFKLOGUHQZKHQFOHDQLQJDQGVHUYLFLQJ
ʫ
1HYHUOHWFKLOGUHQSOD\ZLWKWKHDSSOLDQFH
0DWHULDOGDPDJH
ʫ
'RQRWPLVXVHWKHEDVHUDLOVGRRUVHWFDVDVWHSRU
VXSSRUW
ʫ
'RQRWFRQWDPLQDWHSODVWLFSDUWVRUWKHGRRUVHDOZLWK
RLORUJUHDVH3ODVWLFSDUWVDQGWKHGRRUVHDOZLOO
RWKHUZLVHEHFRPHSRURXV
ʫ
7KHDSSOLDQFHPXVWQRWEHWDNHQWRRUXVHGDWDOWLWXGHV
H[FHHGLQJPDERYHVHDOHYHO5LVNRIJODVV
EUHDNDJH
,QWHQGHGXVH
7KLVDSSOLDQFHLVLQWHQGHGVROHO\IRUNHHSLQJZLQHDQGRQO\
IRUGRPHVWLFXVHLQDSULYDWHKRXVHKROGHQYLURQPHQW
(QYLURQPHQWDOSURWHFWLRQ
3DFNDJLQJ
7KHSDFNDJLQJSURWHFWV\RXUDSSOLDQFHIURPGDPDJHGXULQJ
WUDQVSRUW
$OOWKHPDWHULDOVXVHGDUHHQYLURQPHQWDOO\IULHQGO\DQGFDQ
EHUHF\FOHG3OHDVHKHOSE\GLVSRVLQJRIWKHSDFNDJLQJLQDQ
HQYLURQPHQWDOO\UHVSRQVLEOHPDQQHU
,QIRUPDWLRQDERXWWKHDYDLODEOHGLVSRVDOPHWKRGVDQGVLWHV
FDQEHREWDLQHGIURP\RXUVSHFLDOLVWUHWDLOHURU\RXUORFDO
DXWKRULW\
ã
:$51,1*5LVNRIVXIIRFDWLRQIURPFDUGERDUGER[HV
DQGSODVWLFILOP
'RQRWJLYHSDFNDJLQJRUSDUWVRILWWRFKLOGUHQ
8VHGDSSOLDQFHV
8VHGDSSOLDQFHVDUHQRWZRUWKOHVVZDVWH
,IWKH\DUHGLVSRVHGRILQDQHQYLURQPHQWDOO\UHVSRQVLEOH
PDQQHUYDOXDEOHUDZPDWHULDOVFDQEHUHFRYHUHG
7KLVDSSOLDQFHLVODEHOOHGLQDFFRUGDQFHZLWK
(XURSHDQ'LUHFWLYH(8FRQFHUQLQJXVHG
HOHFWULFDODQGHOHFWURQLFDSSOLDQFHVZDVWHHOHFWULFDO
DQGHOHFWURQLFHTXLSPHQW²:(((
7KLVGLUHFWLYHGHWHUPLQHVWKHIUDPHZRUNIRUWKHUHWXUQDQG
UHF\FOLQJRIXVHGDSSOLDQFHVDVDSSOLFDEOHWKURXJKRXWWKH
(8
ã
:$51,1*
$SSOLDQFHVDWWKHHQGRIWKHLUXVHIXOOLIH
8QSOXJWKHPDLQVSOXJ
&XWWKHFRQQHFWLQJFDEOHDQGUHPRYHLWDORQJZLWKWKH
PDLQVSOXJ
'RQRWUHPRYHWKHVKHOYHVDQGFRQWDLQHUV/HDYLQJ
WKHPLQWDFWPDNHVLWPRUHGLIILFXOWIRUFKLOGUHQWRFOLPE
LQ
5HIULJHUDWRUVFRQWDLQUHIULJHUDQWZKLOHWKHLULQVXODWLRQ
PDWHULDOFRQWDLQVJDVHV5HIULJHUDQWDQGJDVHVPXVWEH
GLVSRVHGRISURSHUO\'RQRWGDPDJHWKHUHIULJHUDQWFLUFXLW
SLSHVEHIRUHGLVSRVLQJRIWKHPSURSHUO\
)