'$1*(5
327(17,$/ +$=$5'
,Q FHUWDLQ FRQGLWLRQV JDVROLQH LV H[WUHPHO\
IODPPDEOH DQG KLJKO\ H[SORVLYH
:+$7 &$1 +$33(1
$ ILUH RU H[SORVLRQ IURP JDVROLQH FDQ EXUQ \RX
DQG RWKHUV DQG FDQ GDPDJH SURSHUW\
+2: 72 $92,' 7+( +$=$5'
)LOO WKH IXHO WDQN RXWGRRUV LQ DQ RSHQ DUHD DQG
ZKHQ WKH HQJLQH LV FROG :LSH XS DQ\ JDVROLQH
WKDW VSLOOV
'R QRW ILOO WKH IXHO WDQN FRPSOHWHO\ IXOO $GG
JDVROLQH WR WKH IXHO WDQN XQWLO WKH OHYHO LV WR
LQFK WR PP EHORZ WKH ERWWRP RI WKH
ILOOHU QHFN 7KLV HPSW\ VSDFH LQ WKH WDQN DOORZV
JDVROLQH WR H[SDQG
1HYHU VPRNH ZKHQ KDQGOLQJ JDVROLQH DQG VWD\
DZD\ IURP DQ RSHQ IODPH RU ZKHUH D VSDUN PD\
LJQLWH WKH JDVROLQH IXPHV
6WRUH JDVROLQH LQ DQ DSSURYHG FRQWDLQHU DQG
NHHS LW RXW RI WKH UHDFK RI FKLOGUHQ
1HYHU EX\ PRUH WKDQ D GD\ VXSSO\ RI
JDVROLQH
'$1*(5
327(17,$/ +$=$5'
:KHQ IXHOLQJ XQGHU FHUWDLQ FLUFXPVWDQFHV D
VWDWLF FKDUJH FDQ GHYHORS LJQLWLQJ WKH JDVROLQH
:+$7 &$1 +$33(1
$ ILUH RU H[SORVLRQ IURP JDVROLQH FDQ EXUQ \RX
DQG RWKHUV DQG GDPDJH SURSHUW\
+2: 72 $92,' 7+( +$=$5'
$OZD\V SODFH JDVROLQH FRQWDLQHUV RQ WKH JURXQG
DZD\ IURP \RXU YHKLFOH EHIRUH ILOOLQJ
'R QRW ILOO JDVROLQH FRQWDLQHUV LQVLGH D YHKLFOH
RU RQ D WUXFN RU WUDLOHU EHG EHFDXVH LQWHULRU
FDUSHWV RU SODVWLF WUXFN EHG OLQHUV PD\ LQVXODWH
WKH FRQWDLQHU DQG VORZ WKH ORVV RI DQ\ VWDWLF
FKDUJH
:KHQ SUDFWLFDO UHPRYH JDVROLQHSRZHUHG
HTXLSPHQW IURP WKH WUXFN RU WUDLOHU DQG UHIXHO
WKH HTXLSPHQW ZLWK LWV ZKHHOV RQ WKH URXQG
,I WKLV LV QRW SRVVLEOH WKHQ UHIXHO VXFK
HTXLSPHQW RQ D WUXFN RU WUDLOHU IURP D SRUWDEOH
FRQWDLQHU UDWKHU WKDQ IURP D JDVROLQH
GLVSHQVHU QR]]OH
,I \RX PXVW XVH D JDVROLQH GLVSHQVHU QR]]OH
NHHS WKH QR]]OH LQ FRQWDFW ZLWK WKH ULP RI WKH
IXHO WDQN RU FRQWDLQHU RSHQLQJ DW DOO WLPHV XQWLO
IXHOLQJ LV FRPSOHWH
8VH D IXHO VWDELOL]HUFRQGLWLRQHU UHJXODUO\ GXULQJ
RSHUDWLRQ DQG VWRUDJH $ VWDELOL]HUFRQGLWLRQHU FOHDQV WKH
HQJLQH GXULQJ RSHUDWLRQ DQG SUHYHQWV JXPOLNH YDUQLVK
GHSRVLWV IURP IRUPLQJ LQ WKH HQJLQH GXULQJ SHULRGV RI
VWRUDJH
,03257$17 'R QRW XVH IXHO DGGLWLYHV RWKHU WKDQ D
IXHO VWDELOL]HUFRQGLWLRQHU 'R QRW XVH IXHO VWDELOL]HUV
ZLWK DQ DOFRKRO EDVH VXFK DV HWKDQRO PHWKDQRO RU
LVRSURSDQRO
&OHDQ DURXQG WKH IXHO WDQN FDS )LJ
)LJXUH
)XHO WDQN FDS
)XHO YDOYH
5HPRYH WKH FDS IURP WKH WDQN
)LOO WKH IXHO WDQN ZLWK XQOHDGHG JDVROLQH WR ZLWKLQ
WR LQFK WR PP IURP WKH WRS RI WKH WDQN
'R
QRW ILOO LQWR WKH ILOOHU QHFN
,QVWDOO WKH IXHO WDQN FDS DQG ZLSH XS DQ\ VSLOOHG
JDVROLQH
2SHUDWLRQ
(DFK WLPH EHIRUH \RX PRZ PDNH VXUH WKDW WKH VHOISURSHO
GULYH DQG WKH FRQWURO EDU RSHUDWH SURSHUO\ :KHQ \RX
UHOHDVH WKH EODGH FRQWURO EDLO WKH HQJLQH DQG WKH EODGH
VKRXOG VWRS ,I WKH\ GR QRW FRQWDFW DQ $XWKRUL]HG 6HUYLFH
'HDOHU
&RQWUROV
7KH VWDUWHU KDQGOH WKH EODGH FRQWURO EDLO DQG WKH WKURWWOH
FRQWURO DUH RQ WKH XSSHU KDQGOH DV VKRZQ LQ )LJXUH
P
)LJXUH
%ODGH FRQWURO EDLO
8SSHU KDQGOH
6WDUWHU KDQGOH
7KURWWOH FRQWURO