:DUQLQJVDQGVDIHW\LQVWUXFWLRQV
2SHUDWRUVDIHW\ Ɣ$OZD\VZHDUDVDIHW\IDFHVKLHOGRUJRJJOHV Ɣ$OZD\VZHDUKHDY\ ORQJ SDQWV ERRWV DQG
JORYHV'RQRWZHDUORRVHFORWKLQJMHZHOU\ VKRUWSDQWVVDQGDOVRUJREDUHIRRW6HFXUH KDLUVRLWLVDERYHVKRXOGHUOHQJWK
Ɣ'RQRWRSHUDWHWKDWWRROZKHQ\RXDUHWLUHG LOORUXQGHUWKHLQÀXHQFHRIDOFRKROGUXJVRU
PHGLFDWLRQ
Ɣ1HYHU OHW D FKLOG RU LQH[SHULHQFHG SHUVRQ
RSHUDWHWKHPDFKLQH
Ɣ:HDUKHDULQJSURWHFWLRQ
Ɣ1HYHUVWDUWRUUXQWKHHQJLQHLQVLGHDFORVHG URRPRUEXLOGLQJ%UHDWKLQJH[KDXVWIXPHV FDQNLOO
Ɣ.HHSKDQGOHVIUHHRIRLODQGIXHO
Ɣ.HHSKDQGVDZD\IURPFXWWLQJHTXLSPHQW
Ɣ'RQRW JUDERU KROG WKH XQLW E\WKHFXWWLQJ
HTXLSPHQW
Ɣ:KHQWKHXQLWLVWXUQHGRIIPDNHVXUHWKH
FXWWLQJ DWWDFKPHQW KDV VWRSSHG EHIRUH WKH XQLWLVVHWGRZQ
Ɣ:KHQRSHUDWLRQLVSURORQJHGWDNHDEUHDN IURPWLPHWRWLPHVRWKDW\RXPD\DYRLGSRV VLEOHZKLWH¿QJHUGLVHDVHZKLFKLVFDXVHGE\
YLEUDWLRQ
7RROVDIHW\
Ɣ,QVSHFWWKHHQWLUHWRROEHIRUHHDFKXVH5H SODFHGDPDJHGSDUWV&KHFNIRUIXHOOHDNV DQGPDNHVXUHDOOIDVWHQHUVDUHLQSODFHDQG
VHFXUHO\IDVWHQHG
Ɣ5HSODFHSDUWVWKDWDUHFUDFNHGFKLSSHGRU GDPDJHGLQDQ\ZD\EHIRUHXVLQJWKHWRRO Ɣ0DNH VXUH WKH VDIHW\ JXDUG LV SURSHUO\ DW
WDFKHG
Ɣ.HHSRWKHUVDZD\ZKHQPDNLQJFDUEXUHWRU
DGMXVWPHQWV
Ɣ8VHRQO\DFFHVVRULHVDVUHFRPPHQGHGIRU WKLVWRROVE\WKHPDQXIDFWXUHU
:$51,1*
1HYHUPRGLI\WKHWRROLQDQ\ZD\'RQRW XVH \RXU FXWWLQJ WRRO IRU DQ\ MRE H[FHSW WKDWIRUZKLFKLWLVLQWHQGHG
)XHOVDIHW\
127(
Ɣ(PSW\ WKH IXHO WDQN EHIRUH VWRULQJ WKH
WRRO (VSHFLDOO\ LQ FDVH RI RYHU WKUHH PRQWKVWRUDJHLWLVDPXVWRWKHUZLVHIXHO
PD\FRUURGHFDXVLQJFDUEXUHWRUGDPDJH
,WLVUHFRPPHQGHGWKDWWKHIXHOEHHPS WLHGDIWHUHDFKXVH,IIXHOLVOHIWLQWKH WDQNVWRUHVRIXHOZLOOQRWOHDN
Ɣ0L[DQGSRXUIXHORXWGRRUVDQGZKHUHWKHUH DUHQRVSDUNVRUÀDPHV
Ɣ8VHDFRQWDLQHUDSSURYHGIRUIXHO
Ɣ'RQRWVPRNHRUDOORZVPRNLQJQHDUIXHORU WKHWRRORUZKLOHXVLQJWKHWRRO
Ɣ:LSHXSDOOIXHOVSLOOVEHIRUHVWDUWLQJHQJLQH Ɣ0RYHDWOHDVWPDZD\IURPIXHOLQJVLWHEH
IRUHVWDUWLQJHQJLQH Ɣ6WRSHQJLQHEHIRUHUHPRYLQJIXHOFDS Ɣ6WRUHWRRODQGIXHOLQDUHDZKHUHIXHOYDSRUV
FDQQRW UHDFK VSDUNV RU RSHQ ÀDPHV IURP ZDWHU KHDWHUV HOHFWULF PRWRUV RU VZLWFKHV IXUQDFHVHWF
:$51,1*
$QWLYLEUDWLRQ V\VWHPV GR QRW JXDUDQ WHH WKDW \RX ZLOO QRW VXVWDLQ ZKLWH¿Q JHU GLVHDVH RU FDUSDO WXQQHO V\QGURPH 7KHUHIRUH FRQWLQXDO DQG UHJXODU XV
HUVVKRXOGPRQLWRUFORVHO\WKHFRQGLWLRQ RI WKHLU KDQGV DQG ¿QJHUV ,I DQ\ RI WKH DERYHV\PSWRPVDSSHDUVHHNPHGLFDODG
YLFHLPPHGLDWHO\
&XWWLQJVDIHW\
Ɣ'RQRWFXWDQ\PDWHULDORWKHUWKDQJUDVVDQG
EUXVK
Ɣ,QVSHFWWKHDUHDWREHFXWEHIRUHHDFKXVH 5HPRYHREMHFWVZKLFKFDQEHWKURZQRUEH
FRPHHQWDQJOHG
Ɣ)RUUHVSLUDWRU\SURWHFWLRQZHDUDQDHURVRO
SURWHFWLRQPDVNZKHQFXWWLQJWKHJUDVVDIWHU LQVHFWLFLGHLVVFDWWHUHG
Ɣ.HHS RWKHUV LQFOXGLQJ FKLOGUHQ DQLPDOV E\VWDQGHUV DQG KHOSHUV RXWVLGH WKH P KD]DUG]RQH6WRSWKHHQJLQHLPPHGLDWHO\LI \RXDUHDSSURDFKHG
Ɣ$OZD\VNHHSWKHHQJLQHRQWKHULJKWVLGHRI \RXUERG\
Ɣ+ROGWKHWRRO¿UPO\ZLWKERWKKDQGV
Ɣ.HHS¿UPIRRWLQJDQGEDODQFH'RQRWRYHU
UHDFK
Ɣ.HHS DOOSDUWV RI\RXU ERG\DZD\ IURP WKH
PXIÀHUDQGFXWWLQJDWWDFKPHQWZKHQWKHHQ JLQHLVUXQQLQJ
Ɣ.HHSFXWWLQJWRROEHORZVKRXOGHUOHYHO
0DLQWHQDQFHVDIHW\
Ɣ0DLQWDLQWKHWRRODFFRUGLQJWRUHFRPPHQGHG SURFHGXUHV
Ɣ'LVFRQQHFWWKHVSDUNSOXJEHIRUHSHUIRUPLQJ PDLQWHQDQFH H[FHSW IRU FDUEXUHWRU DGMXVW PHQWV
Ɣ.HHSRWKHUVDZD\ZKHQPDNLQJFDUEXUHWRU
DGMXVWPHQWV
Ɣ8VHRQO\JHQXLQHUHSODFHPHQWSDUWVDVUHF
RPPHQGHGE\WKHPDQXIDFWXUHU
7UDQVSRUWDQGVWRUDJH
Ɣ&DUU\ WKH WRRO E\ KDQG ZLWK WKH HQJLQH VWRSSHG DQG WKH PXIÀHU DZD\ IURP \RXU ERG\
Ɣ$OORZWKHHQJLQHWRFRROHPSW\WKHIXHOWDQN
DQGVHFXUHWKHWRROEHIRUHVWRULQJRUWUDQV SRUWLQJLQDYHKLFOH
Ɣ(PSW\WKHIXHOWDQNEHIRUHVWRULQJWKHWRRO ,WLVUHFRPPHQGHGWKDWWKHIXHOEHHPSWLHG DIWHU HDFK XVH ,I IXHO LV OHIW LQ WKH WDQN VWRUHVRIXHOZLOOQRWOHDN
Ɣ6WRUHWRRORXWRIWKHUHDFKRIFKLOGUHQ
Ɣ&OHDQWKHXQLWFDUHIXOO\DQGVWRUHLWLQDGU\
SODFH
Ɣ0DNHVXUHHQJLQHVZLWFKLVRIIZKHQWUDQV
SRUWLQJRUVWRULQJ
Ɣ:KHQWUDQVSRUWLQJLQDYHKLFOHFRYHUEODGH
ZLWKEODGHFRYHU
,I VLWXDWLRQV RFFXU ZKLFK DUH QRW FRYHUHG LQ WKLV PDQXDO WDNH FDUH DQG KDYH D JRRG MXGJHPHQW&RQWDFW\RXUGHDOHULI\RXQHHG
DVVLVWDQFH
3D\VSHFLDODWWHQWLRQWRVWDWHPHQWVSUHFHGHG E\WKHIROORZLQJZRUGV
:$51,1*
,QGLFDWHV D VWURQJ SRVVLELOLW\ RI VHYHUH SHUVRQDO LQMXU\ RU ORVV RI OLIH LI LQVWUXF WLRQVDUHQRWIROORZHG
&$87,21
,QGLFDWHV D SRVVLELOLW\ RI SHUVRQDO LQMXU\ RU
HTXLSPHQWGDPDJHLILQVWUXFWLRQVDUHQRWIRO ORZHG
127(
+HOSIXO LQIRUPDWLRQ IRU FRUUHFW IXQFWLRQ DQG XVH
&$87,21
'R QRW GLVDVVHPEOH WKH UHFRLO VWDUWHU <RX PD\JHWDSRVVLELOLW\RISHUVRQDOLQMXU\ZLWKUH FRLOVSULQJ