(&2:$7(5 '($/(5 ,1)250$7,21
,167$//$7,21 FRQWLQXHG
5XQ WKH YDOYH DQG EULQH WDQN RYHUIORZ GUDLQ KRVHV ILJ
6HFXUH WKH YDOYH GUDLQ KRVH WR WKH GUDLQ ILWWLQJ ZLWK
WKH LQFOXGHG KRVH FODPS 3URYLGH D PLQLPXP µ
DLU JDS DW WKH IORRU GUDLQ VWDQGSLSH ODXQGU\ WXE RU RWK
HU DSSURYHG GUDLQ ,I \RX QHHG WR HOHYDWH WKH YDOYH
GUDLQ KRVH WR JHW WR WKH GUDLQ SRLQW GR QRW UDLVH PRUH
WKDQ · DERYH WKH IORRU 7KH
JUDYLW\
RYHUIORZ KRVH PXVW
EH ORZHU WKDQ WKH GUDLQ ILWWLQJ DORQJ WKH HQWLUH UXQ
1RWH )OH[LEOH GUDLQ KRVH LV QRW DOORZHG E\ VRPH VWDWH RU
ORFDO FRGHV $ ILWWLQJ µ 137 [ µ 2' WXEH SDUW QR
LV DYDLODEOH IURP (FR:DWHU IRU DGDSWLQJ FRSSHU
WXELQJ WR WKH YDOYH GUDLQ ILWWLQJ
5RXWH WKH EULQH YDOYH WXELQJ RXW RI WKH EULQH WDQN DQG
FRQQHFW WR WKH QR]]OH DVVHPEO\ 8VH WKH VPDOO VFUHHQ
DQG FRPSUHVVLRQ QXW LQFOXGHG RQ VNLQ SDFN WR IDV
WHQ
&RQQHFW WKH SRZHU FDEOH WR WKH WUDQVIRUPHU DQG SOXJ
LQWR D 9 +] HOHFWULFDO RXWOHW
3RVLWLRQ 6ZLWFK
0RWRU
9
3RZHU
6RXUFH
9
7UDQVIRUPHU
%DFN RI 6ROLG 6WDWH 7LPHU
:,5,1*
6&+(0$7,&
EULQH WXELQJ
FRPSUHVVLRQ QXW
QR]]OH DVVHPEO\
IORRU GUDLQ
EULQH WDQN
RYHUIORZ KRVH
µ
DLUJDS
YDOYH GUDLQ
KRVH
),*
EULQH WXELQJ
VFUHHQ
2SHQ QHDUE\ IDXFHWV DQG DGYDQFH XVH 5&+*
NH\SDG WKH VRIWHQHU YDOYH WR EDFNZDVK SRVLWLRQ
WR YHQW DLU IURP WKH WDQN
7XUQ RQ WKH ZDWHU VXSSO\
DQG DOORZ WKH VRIWHQHU WR ILOO :KHQ ZDWHU DW QHDUE\ IDX
FHWV UXQV VPRRWK ZLWK QR PRUH DLU EXEEOHV FORVH WKH
IDXFHWV DQG DGYDQFH WKH VRIWHQHU YDOYH WR ¶¶VHUYLFH··
&KHFN \RXU LQVWDOODWLRQ ZRUN IRU OHDNV
0DNH DOO WLPHU VHWWLQJV SDJH
6DQLWL]H WKH XQLW IROORZLQJ SURFHGXUHV EHORZ DQG XVH
¶¶5HFKDUJH 1RZ·· WR VWDUW D UHFKDUJH
)LOO WKH EULQH WDQN ZLWK VDOW <RX PD\ XVH PRVW ZDWHU
FRQGLWLRQHU VDOWV EXW LW PXVW EH FOHDQ 5HFRPPHQGHG
QXJJHW SHOOHW RU FRXUVH VRODU VDOWV KDYH OHVV WKDQ
LPSXULWLHV
,QVWDOO WKH EULQH WDQN FRYHU
',6,1)(&7,1* 7+( 62)7(1(5
&DUH LV WDNHQ DW WKH IDFWRU\ WR NHHS \RXU VRIWHQHU FOHDQ DQG VDQLWDU\ 0DWHULDOV XVHG WR PDNH WKH XQLW ZLOO QRW LQIHFW RU
FRQWDPLQDWH \RXU ZDWHU VXSSO\ DQG ZLOO QRW FDXVH EDFWHULD WR IRUP RU JURZ +RZHYHU GXULQJ VKLSSLQJ VWRUDJH LQVWDOOLQJ
DQG RSHUDWLQJ EDFWHULD FRXOG JHW LQWR WKH XQLW )RU WKLV UHDVRQ VDQLWL]LQJ DV IROORZV LV VXJJHVWHG ZKHQ LQVWDOOLQJ
8VH D SDLO RU KRVH WR ILOO WKH EULQH WDQN ZLWK DERXW JDOORQV RI ZDWHU
5HPRYH WKH EULQHZHOO FRYHU DQG SRXU DERXW R] WR WDEOHVSRRQV RI FRPPRQ KRXVHKROG EOHDFK LQWR WKH VRIWHQ
HU EULQHZHOO &ORUR[ /LQFR %R3HHS :KLWH 6DLO (DJOH HWF DUH EUDQG QDPHV RI EOHDFK UHDGLO\ DYDLODEOH
5HSODFH WKH
EULQHZHOO FRYHU
6WDUW DQ DXWRPDWLF UHJHQHUDWLRQ WR GUDZ WKH EOHDFK LQWR DQG WKURXJK WKH VRIWHQHU DQG WR WKH GUDLQ