)UHH]LQJIUHVKIRRG/35
o
7RIUHH]HWKHPD[LPXPTXDQWLW\RIIUHVKIRRG
VSHFLILHGRQWKHUDWLQJSODWH\RXVKRXOGWXUQWKH
WKHUPRVWDWGLDOWRSRVLWLRQ!DIHZKRXUVSULRU
WRDWWHPSWLQJIUHH]LQJ
o
)RUVPDOOHUTXDQWLWLHVRIIUHVKIRRG\RXVKRXOGWXUQ
WKHWKHUPRVWDWGLDOWRSRVLWLRQ!KRXUSULRUWR
IUHH]LQJ
o
)UHVKIRRGVKRXOGEHSDFNHGLQWRDLUWLJKW
FRQWDLQHUVRUSDFNDJLQJ7KLVZLOOKHOSWRPDNH
VXUHWKDWWKHIRRGGRHVQ¶WGU\RXWRUORVHLWV
IODYRXU,WZLOODOVRHQVXUHWKDWIODYRXUGRHVQRW
WUDQVIHUIURPRWKHUIRRGV
o
$IWHUKRXUV\RXVKRXOGFKHFNWKDWWKHIUHVKIRRG
LVVDWLVIDFWRULO\IUR]HQ,ILWLVWKHQWKHWKHUPRVWDW
GLDOVKRXOGEHWXUQHGEDFNWRLW¶VQRUPDORSHUDWLQJ
SRVLWLRQ
o
,03257$17
,I\RXUXQWKHDSSOLDQFHZLWKWKHWKHUPRVWDWGLDO
RQDKLJKHUVHWWLQJRYHU!IRUSURORQJHGSHULRGVWKHGHIURVW
GUDLQKROHZLOOIUHH]H,WPD\DOVRFDXVHWKHDSSOLDQFHWR
RYHUZRUNDQGWKHIULGJHDQGIUHH]HUVHFWLRQVWRIUHH]HRYHU
7LSVRQIUHH]LQJ
o
)UHH]HUEDJVSRO\WKHQHZUDSVDOXPLQLXPIRLOH[WUDWKLFNDQG
VSHFLDOFDQVIRUIUR]HQIRRGVDUHVXLWDEOHSDFNDJLQJIRUVWRULQJ
IUR]HQJRRGVLQ
o
7DSHUXEEHUEDQGVRUSODVWLFFOLSVDUH
VXLWDEOHIRUVHDOLQJEDJVDQGZUDSSLQJV
o
%HIRUHVHDOLQJDVXLWDEOHEDJ\RXVKRXOG
FRPSUHVVWKHDLURXWRILWDVWKLVZLOOKHOS
WKHIRRGWRIUHH]HPRUHHDVLO\
o
)ODWSDFNDJHVIUHH]HPRUHHDVLO\
19
o
,I\RXDUHIUHH]LQJOLTXLGWKHQGRQRWILOOWKH
FRQWDLQHUWRWKHEULP/LTXLGVZLOOH[SDQG
ZKHQEHLQJIUR]HQ
o
'RQRWSODFHERWWOHVJODVVRUWLQ
FRQWDLQLQJOLTXLGVHVSHFLDOO\VSDUNOLQJ
OLTXLGVLQWRWKHIUHH]HUDVWKH\FRXOG
FDXVHWKHERWWOHWREXUVWGXULQJ
IUHH]LQJ
0DNLQJLFHFXEHV
o
)LOOWKHLFHFXEHWUD\ZLWKZDWHUDQGSODFHLWLQWKHIUHH]HU
FRPSDUWPHQW
o
$IWHUWKHZDWHULVFRPSOHWHO\IUR]HQDQGWXUQHGWRLFH\RXFDQ
WZLVWWKHLFHFXEHWUD\DVVKRZQLQWKHGUDZLQJEHORZWR
GLVSHQVHWKHLFH
)UHH]LQJXVLQJWKHVXSHUIURVWVHWWLQJ/35
o
,I\RXDUHIUHH]LQJWKHPD[LPXPDPRXQWRIIUHVKIRRGWKDWFDQ
EHIUR]HQLQDKRXUSHULRGWKHQLWVKRXOGEHVZLWFKHGRQD
IHZKRXUVSULRUWRIUHH]LQJ
o
,I\RXDUHIUHH]LQJDVPDOOHUTXDQWLW\RIIUHVKIRRGWKHQLW
VKRXOGEHVZLWFKHGRQKRXUSULRUWRIUHH]LQJ
o
3UHVVWKHVXSHUIURVWRQRIIEXWWRQDQGWKHIUHH]HUZLOOVWDUWWR
UXQFRQWLQXRXVO\DWLWVPD[LPXPVHWWLQJ
o
7KH\HOORZVXSHUIURVWLQGLFDWRUQHRQZLOOOLJKWZKHQWKHVXSHU
IURVWRQRIIEXWWRQKDVEHHQVZLWFKHGRQ
o
7KHUHLVQRQHHGWRDGMXVWHLWKHURIWKHWKHUPRVWDWGLDOV
o
7KHIUHH]HUWHPSHUDWXUHZLOOGHFUHDVHDQGWKHDSSOLDQFHZLOOJHW
WRLWVORZHVWWHPSHUDWXUH
o
3ODFHWKHIRRGWKDWLVWREHIUR]HQLQVLGHWKHIUHH]HU
20
20