727+($77(17,212)7+(86(5
(1
,PSRUWDQW
NHHSWKHVHLQVWUXFWLRQVIRUXVHZLWKWKHDSSOLDQFH,IWKHDSSOLDQFHVKRXOGEH
VROGRUSDVVHGRQWRRWKHUVPDNHVXUHWKDWWKHLQVWUXFWLRQVDUHSDVVHGRQZLWKLW:HWKDQN
\RXIRUWDNLQJQRWHRIWKHVHVXJJHVWLRQVEHIRUHLQVWDOOLQJDQGXVLQJWKHDSSOLDQFH7KH\KDYH
EHHQZULWWHQIRU\RXUSHUVRQDOVDIHW\DQGWKHVDIHW\RIRWKHUV
6$)7(<,16758&7,216
7KHVHKRRGVKDYHEHHQGHVLJQHGIRUSHUVRQDOXVHLQWKHKRPH7KHDSSOLDQFHPXVWEHXVHG
E\DGXOWV0DNHVXUHWKDWFKLOGUHQGRQRWFRPHLQWRFRQWDFWZLWKWKHDSSOLDQFHDQGWKDWWKH\
GRQRWXVHLWWRSOD\ZLWK0DNHVXUHWKDWFKLOGUHQGRQRWRSHUDWHWKHFRQWUROV
:KHQWKHDSSOLDQFHLVGHOLYHUHGFKHFNWKHRYHUDOODSSHDUDQFHRIWKHSDFNDJLQJ
$Q\UHPDUNVVKRXOGEHZULWWHQRQWKHGHOLYHU\FRXSRQRIZKLFK\RXNHHSDFRS\
<RXUDSSOLDQFHLVGHVLJQHGIRUQRUPDOGRPHVWLFXVH
,WLVQRWGHVLJQHGIRUFRPPHUFLDORULQGXVWULDOXVHRUIRUSXUSRVHVRWKHUWKDQWKRVHIRUZKLFKLW
ZDVGHVLJQHG
$Q\FRQVHTXHQFHVRIRUGDPDJHIURPLQFRUUHFWLQVWDOODWLRQRULQFRUUHFWXVHRIWKHDSSOLDQFHZLOO
QRWEHFRYHUHGE\WKHPDQXIDFWXUHU·VJXDUDQWHH
5HSDLUVPXVWEHSHUIRUPHGRQO\E\DQDXWKRULVHGVSHFLDOLVW
$OZD\VGLVFRQQHFWWKHKRRGEHIRUHFDUU\LQJRXWFOHDQLQJRUPDLQWHQDQFHRSHUDWLRQV
$GHTXDWHO\YHQWLODWHWKHDUHDLQFDVHWKHKRRGLVDFWLYDWHGVLPXOWDQHRXVO\ZLWKRWKHUDSSOLDQFHV
SRZHUHG IURP QRQHOHFWULFDO VRXUFHV VR WKDW WKH KRRG GRHV QRW YHQWLODWH WKHVH FRPEXVWLRQ
IXPHV
,WLVSURKLELWHGWRFRRNIRRGRYHURSHQӿDPHVRURSHUDWHJDVKREVZLWKRXWSRWVRUSDQVRQWKHP
XQGHUWKHKRRGLWVHOIWKHӿDPHVVXFNHGLQWRWKHKRRGPLJKWGDPDJHWKHDSSOLDQFH
'HHSIU\LQJXQGHUWKHDSSOLDQFHPXVWEHGRQHXQGHUFRQVWDQWVXSHUYLVLRQDVKRWRLOVDQGIDWV
PD\LJQLWH
5HVSHFW WKH JXLGHOLQHV IRU FOHDQLQJ DQG UHSODFHPHQW RI WKH ӾOWHUV $FFXPXODWHG GHSRVLWV RI
JUHDVHDUHDӾUHKD]DUG
7KLVDSSOLDQFHPXVWQRWEHXVHGRYHUFRRNWRSVSRZHUHGE\ZRRGRUFRDORULQDQ\FDVHRYHU
FRRNWRSVZLWKSRZHUOHYHOVWKDWFRXOGGDPDJHWKHDSSOLDQFH
1HYHUXVHVWHDPRUKLJKSUHVVXUHGHYLFHVIRUFOHDQLQJ\RXUKRRGUHJXODWLRQVUHJDUGLQJHOHFWUL
FDOVDIHW\
1HYHUXVHWKHKRRGZLWKRXWWKHJUHDVHӾOWHUV
7KHPLQLPXPGLVWDQFHEHWZHHQWKHRSHQGRZQGUDIWDQGWKHVXUIDFHDERYHLWQHHGVWREH
PP
:KHQPRYLQJWKHGRZQGUDIWQHYHUSODFHKDQGVLQVLGHWKHRSHUDWLQJUDGLXVRIWKHSXOORXWFDU
ULDJH
7KHGRZQGUDIWLVHTXLSSHGZLWKVDIHW\VZLWFKHVWKDWEORFNLWIURPIXQFWLRQLQJZKHQWKHIURQW
SDQHORIWKHJUHDVHӾOWHUVKDVEHHQGLVHQJDJHG
&RQVWDQWO\VHHNLQJWRLPSURYHRXUSURGXFWVZHUHVHUYHWKHULJKWWRPRGLI\WKHLUWHFKQLFDOIXQF
WLRQDORUDHVWKHWLFFKDUDFWHULVWLFVDVWKH\HYROYH
,QWKHFDVHRIWKHYHUVLRQZLWKH[WHUQDOPRWRUIRUQRUPDOGRZQGUDIWRSHUDWLRQLWLVQHFHVVDU\
WRXVHDQH[WUDFWLRQXQLWH[WHUQDOPRWRUPDGHE\WKHVDPHPDQXIDFWXUHU
7KHDLUFROOHFWHGPXVWQRWEHFRQYH\HGLQWRDӿXHXVHGIRUVPRNHRUIXPHVIURPDSSOLDQFHV
SRZHUHGE\DQ\WKLQJRWKHUWKDQHOHFWULFLW\FHQWUDOKHDWLQJV\VWHPVHWF$VIDUDVFRQFHUQV
GLVFKDUJLQJDLUIURPWKHӿXHUHVSHFWWKHJXLGHOLQHVRIWKHFRPSHWHQWDXWKRULWLHV
