
0DLQWHQDQFH,QVWUXFWLRQV
/8%5,&$7,21
&KDQJLQJ(QJLQH&UDQNFDVH2LO2LO)LOWHU
&KDQJH WKH HQJLQH FUDQNFDVH RLO
DIWHU HYHU\
KRXUV
RIRSHUDWLRQDQGWKHRLOILOWHU
DIWHUHYHU\
KRXUV
RIRSHUDWLRQDVIROORZV
'UDLQWKHRLOZKLOHWKHHQJLQHLVZDUP,IQRW
ZDUPIURPRSHUDWLRQVWDUWWKHHQJLQHDQGUXQD
IHZPLQXWHVWRZDUPWKHRLO
5HPRYH WKH GLSVWLFN DQG RLO GUDLQ SOXJ DQG
GUDLQRLOLQWRDVXLWDEOHFRQWDLQHU%HVXUHWRDO
ORZDPSOHWLPHIRUFRPSOHWHGUDLQDJH
5HPRYHWKHROGRLOILOWHUDQGZLSHRIIWKHILOWHU
PRXQWLQJVXUIDFHRQWKHHQJLQH
2LO'UDLQ'LSVWLFN2LO)LOO
DQG2LO)LOWHU/RFDWLRQV
YLHZIURPORZHUOHIWVLGHRIWUDFWRU
$SSO\DWKLQFRDWLQJRIQHZRLOWRWKHUXEEHUJDV
NHWRQWKHUHSODFHPHQWRLOILOWHU
,03257$17
8VH
21/<
RLO ILOWHUV IURP WKH
HQJLQH PDQXIDFWXUHU .DZDVDNL
$IWHUPDUNHWRLOILOWHUVPD\QRWVHDOSURSHUO\DQG
RUPD\QRWKDYHWKHFRUUHFWSUHVVXUHUHOLHIYDOYH
IRUSURSHUOXEULFDWLRQ
,QVWDOOWKHQHZRLOILOWHURQWKHHQJLQH7XUQWKH
RLOILOWHUFORFNZLVHXQWLOWKHUXEEHUJDVNHWFRQ
WDFWVWKHVHDOLQJVXUIDFHWKHQWLJKWHQWKHILOWHU
DQDGGLWLRQDO
WXUQ
5HLQVWDOOWKHGUDLQSOXJ0DNHVXUHLWLVWLJKW
HQHGWRIWOE1
Â
P
)LOOWKHFUDQNFDVHWKURXJKWKHGLSVWLFNRSHQLQJ
ZLWKRLOXVLQJRQO\FUDQNFDVHOXEULFDQWVVXSSOLHG
E\WKHHQJLQHPDQXIDFWXUHU5HIHUWR
6SHFLILFD
WLRQV
LQWKLVPDQXDORUWKHHQJLQHRZQHU¶VPDQ
XDO8VHWKHUHFRPPHQGHGRLOYLVFRVLW\IRUWKH
H[SHFWHG DPELHQW WHPSHUDWXUH 2LO ZLWK WKH
FRUUHFWYLVFRVLW\ZLOODLGVWDUWLQJLQFROGZHDWKHU
DQG DVVXUH SURSHU OXEULFDWLRQ LQ KRW ZHDWKHU
)LOOWR)8//+PDUN
RQWKHGLSVWLFNFUDQN
FDVHFDSDFLW\LVSLQWVOLWHUV
,03257$17
&KHFN WKH GLSVWLFN UHDGLQJ EH
IRUHSRXULQJLQWKHODVWSLQWRIRLODQG
ILOORQO\
WRWKH)8//+PDUN
7KHRLOOHYHOVKRXOGQHY
HUEHRYHUWKH
)8//+
PDUNRQWKHGLSVWLFN
RYHUILOOLQJFDQUHVXOWLQHQJLQHRYHUKHDWLQJDQG
ORVVRISRZHU
6WDUWWKHHQJLQHDQGFKHFNIRURLOOHDNVDURXQG
WKHRLOILOWHU6WRSWKHHQJLQHUHFKHFNWKHRLOOHY
HODQGDGGRLOLIQHFHVVDU\:KHQWKHHQJLQH
LVILUVWRSHUDWHGZLWKDQHZRLOILOWHUWKHRLOOHYHO
ZLOOGURSVOLJKWO\DVWKHILOWHULVILOOHGZLWKRLO
*UHDVH)LWWLQJDQG2LO3RLQW/XEULFDWLRQ
/XEULFDWHWKHJUHDVHILWWLQJVDQGRLOSRLQWVDIWHU
HY
HU\KRXUV
RIRSHUDWLRQ /XEULFDWH
PRUHRIWHQ
ZKHQRSHUDWLQJLQ
GXVW\RUGLUW\FRQGLWLRQV
8VH
6$(JHQHUDOSXUSRVHOLWKLXPRUPRO\EGHQXPEDVH
JUHDVHIRUJUHDVHILWWLQJVDQGOLJKWPDFKLQHRLO6$(
WROXEULFDWHRLOSRLQWV
/XEULFDWHWKHORFDWLRQV
VKRZQ LQ WKH &KDVVLV DQG 'HFN /XEULFDWLRQ
3RLQWVLOOXVWUDWLRQ
127(
372XQLYHUVDOMRLQWVRQWKHGHFNDQGWUDF
WRUUHTXLUHURXWLQHOXEULFDWLRQ
DIWHUHYHU\KRXUV
RIUXQQLQJWLPH
127(
7KHSLOORZEORFNEHDULQJVRQWKH372GULYH
VKDIW DUH D VHDOHG UHOXEULFDWDEOHW\SH EHDULQJ
*UHDVH OLJKWO\
RQFH SHU \HDU
XVLQJ FDUH WR QRW
RYHUOXEULFDWHDQGGDPDJHWKHVHDOV
2LO)LOWHU
'LSVWLFN
2LO)LOO
2LO'UDLQ