&RQJUDWXODWLRQV2Q<RXU3XUFKDVH
7KDQN\RXDQGFRQJUDWXODWLRQVIRUFKRRVLQJDTXDOLW\EDUEHTXHDVSDUWRI\RXURXWGRRUHQWHUWDLQLQJZRUOG
%\IROORZLQJWKHVHLQVWUXFWLRQVIRUVDIHDQGHDV\RSHUDWLRQ\RXZLOOHQMR\\HDUVRIVDWLVI\LQJWURXEOHIUHH
RXWGRRUFRRNLQJ
$QGZKHQ\RXpUHIXOO\XSDQGUXQQLQJ\RXFDQYLVLW\RXU%DUEHTXHV*DORUHVWRUHIRUVRPHJUHDWDFFHVVRULHVDQG
FRRNLQJWLSVWRPDNH\RXUH[SHULHQFHHYHQPRUHUHZDUGLQJ
%XWILUVWWKLQJVILUVW
$XVWUDOLDKDVDQH[FHOOHQWVDIHW\UHFRUGZKHQLWFRPHVWRJDVDSSOLDQFHV7KLVUHIOHFWVERWKWKHKLJKTXDOLW\
RIDSSOLDQFHVVROGDVZHOODVJURZLQJFRQVXPHUDZDUHQHVVDERXWVDIHSUDFWLFH:HXUJH\RXWRIROORZWKH
JXLGHOLQHVEHORZWRJHWKHUZLWKWKHVHLQVWUXFWLRQVIRUVDIHXVHWRSUHYHQWRYHUKHDWLQJDQGWRSURGXFHJUHDW
FRRNLQJUHVXOWV
s 7KLVEDUEHTXHLVDQRXWGRRUDSSOLDQFHRQO\8QGHUQRFLUFXPVWDQFHVVKRXOGLWEHXVHGLQGRRUV
s 7KLVEDUEHTXHKDVQRWEHHQDSSURYHGIRUPDULQHXVH
s 'RQRWSHUIRUPDQ\VHUYLFLQJRQWKHEDUEHTXH\RXUVHOI7KLVLQFOXGHVLQWHUQDODGMXVWPHQWRIWKHUHJXODWRUDQGJDV
YDOYHV6HUYLFLQJFDQRQO\EHFDUULHGRXWE\DXWKRULVHGWHFKQLFLDQV
s ,WLVLPSRUWDQWWKDW\RXLQVWDOO\RXUEDUEHTXHH[DFWO\DVGHVFULEHGLQWKHVHLQVWUXFWLRQV,QSDUWLFXODU\RXVKRXOG
NHHSWKHEDUEHTXHFOHDURIFRPEXVWLEOHPDWHULDODQG\RXVKRXOGFKHFNIRUOHDNVZKHQHYHUDQHZFRQQHFWLRQLV
PDGH
s 'RQRWVWRUHFKHPLFDOVRUIODPPDEOHPDWHULDOVQHDUWKLVDSSOLDQFH
s 'RQRWSODFHDUWLFOHVRQRUDJDLQVWRUHQFORVHWKLVDSSOLDQFH
s 7KHEDUEHTXHJHWVH[WUHPHO\KRWZKLOHLQXVH.HHSFKLOGUHQDZD\IURPWKHDSSOLDQFHXQWLOLWKDVFRROHGWRQRUPDO
WHPSHUDWXUHV
s ,WLVDJRRGLGHDWRWLHEDFNORQJKDLUDQGORRVHFORWKLQJZKLOHFRRNLQJLQFDVHRIXQH[SHFWHGIODUHXSV
s )DWILUHVDUHWKHPRVWFRPPRQFDXVHRISUREOHPVLQEDUEHTXHV7KH\DUHFDXVHGE\DEXLOGXSRIJUHDVHLQWKH
GULSWUD\DQGWKHLQVLGHRIWKHEDUEHTXHIUDPH$IDWILUHFDQEHGLIILFXOWWRSXWRXWDQGZLOOEHGDQJHURXVLILW
VSUHDGVWRWKHJDVKRVH<RXVKRXOGNHHS\RXUEDUEHTXHFOHDQWRDYRLGWKLVRFFXUUHQFH
s 'RQRWWUDQVSRUWWKHEDUEHTXHZKLOVWLWLVKRWEHFDXVHWKHUHLVDULVNWKDWWKHFRQWHQWVRIWKHGULSWUD\ZLOOIDOORXW
s 1(9(5OHDYHDEDUEHTXHXQDWWHQGHGZLWKDQ\EXUQHUVVZLWFKHGRQ$OZD\VVZLWFKRIIDOOEXUQHUVDQGF\OLQGHUV
ZKHQWKHEDUEHTXHLVQRWLQXVH
s 7DNHFDUHZKHQWRXFKLQJDKRWEDUEHTXHHVSHFLDOO\RQVXUIDFHVFORVHWRWKHILUHER[RUURDVWLQJKRRG
s ,WVILQHWRSUHKHDWZLWKDOOEXUQHUVRQKLJKDQGWKHKRRGFORVHGEXWGRQRWDOORZWKHWHPSHUDWXUHRQWKHKRRG
WKHUPRPHWHUWRUHPDLQRYHU
&IRUDQ\OHQJWKRIWLPH
s :KHQFRRNLQJZLWKWKHKRRGFORVHGWXUQRQHRUPRUHEXUQHUVWRORZRURIIDVUHTXLUHGWRNHHSWKHEDUEHTXHIURP
JHWWLQJWRRKRW
s 1(9(5OHDYHDOOEXUQHUVRQKLJKIRUPRUHWKDQPLQXWHV$OZD\VVWD\LQFRQWUROE\DGMXVWLQJEXUQHUVWRORZDQG
RIIDVUHTXLUHGWRPDLQWDLQVXLWDEOHFRRNLQJWHPSHUDWXUHV
s )ROORZLQVWUXFWLRQVWRSHULRGLFDOO\FKHFNIRUJDVOHDNV
6DIHW\)LUVW