VROLG FRSSHU ZLUH 7KLV LV D PRVW LPSRUWDQW VDIHW\ DVVXUDQFH IHDWXUH
%HIRUH LQVWDOOLQJ WKLV VSD FKHFN ZLWK WKH ORFDO EXLOGLQJ GHSDUWPHQW WR LQVXUHLQVWDOODWLRQFRQIRUPVWRORFDOEXLOGLQJFRGHV
9ROW&RQYHUWLEOH0RGHOV
$VSDFRQQHFWHGWRD9$&HOHFWULFDOVHUYLFHPXVWEHORFDWHG
FORVHHQRXJKWRDJURXQGHGJURXQGLQJW\SHHOHFWULFDORXWOHWVRWKDW WKHLQFOXGHGSRZHUFRUGFDQEHSOXJJHGGLUHFWO\LQWRLW'212786( $1(;7(16,21&25'DVWKLVFRXOGFDXVHGDPDJHWRWKHVSD¶V
HTXLSPHQWGXHWRLQVXIILFLHQWYROWDJH7KHSRZHUVXSSOLHGWRWKLVVSD PXVWEHDGHGLFDWHGFLUFXLWZLWKQRRWKHUDSSOLDQFHVRUOLJKWVVKDULQJ WKHSRZHUSURYLGHGE\WKHFLUFXLW
&KRRVLQJ$/RFDWLRQ
,03257$17 %HFDXVHRIWKHFRPELQHGZHLJKWRIWKHVSDZDWHU DQGXVHUVLWLVH[WUHPHO\LPSRUWDQWWKDWWKHEDVHXSRQZKLFK
WKHVSDUHVWVEHVPRRWKIODWOHYHODQGFDSDEOHRIXQLIRUPO\
VXSSRUWLQJWKLVZHLJKWZLWKRXWVKLIWLQJRUVHWWOLQJIRUWKHHQWLUH WLPHWKHVSDLVLQSODFH,IWKHVSDLVSODFHGRQDVXUIDFHZKLFKGRHV QRWPHHWWKHVHUHTXLUHPHQWVGDPDJHWRWKHVNLUWDQGRUWKHVSDVKHOO PD\UHVXOW'DPDJHFDXVHGE\LPSURSHUVXSSRUWLVQRWFRYHUHGXQGHU ZDUUDQW\,WLVWKHUHVSRQVLELOLW\RIWKHVSDRZQHUWRDVVXUHWKHLQWHJULW\RI
WKHVXSSRUWRYHUWLPH
:HUHFRPPHQGDSRXUHGUHLQIRUFHGFRQFUHWHVODEZLWKDPLQLPXP WKLFNQHVVRILQFKHVFP:RRGGHFNLQJLVDOVRDFFHSWDEOHSURYLGHG LWLVFRQVWUXFWHGVRWKDWLWPHHWVWKHUHTXLUHPHQWVRXWOLQHGDERYH7KH VSDPXVWEHLQVWDOOHGLQVXFKDPDQQHUDVWRSURYLGHGUDLQDJHDZD\IURP WKHVSD3ODFLQJWKHVSDLQDGHSUHVVLRQZLWKRXWSURYLVLRQVIRUSURSHU
GUDLQDJHFRXOGDOORZUDLQRYHUIORZDQGRWKHUFDVXDOZDWHUWRIORRGWKH HTXLSPHQWDQGFUHDWHDZHWFRQGLWLRQLQZKLFKLWZRXOGVLW)RUVSDVZKLFK ZLOOEHUHFHVVHGLQWRDIORRURUGHFNLQVWDOOVRDVWRSHUPLWDFFHVVWRWKH HTXLSPHQWHLWKHUIURPDERYHRUEHORZIRUVHUYLFLQJ0DNHFHUWDLQWKDW
WKHUHDUHQRREVWUXFWLRQVZKLFKZRXOGSUHYHQWUHPRYDORIWKHFDELQHWVLGH SDQHOVDQGDFFHVVWRWKHMHWVFRPSRQHQWVHVSHFLDOO\RQWKHVLGHZLWKWKH HTXLSPHQWED\GRRUV
2XWGRRU/RFDWLRQ
,QVHOHFWLQJWKHLGHDORXWGRRUORFDWLRQIRU\RXUVSDZHVXJJHVWWKDW\RX
WDNHLQWRFRQVLGHUDWLRQ
7KHSUR[LPLW\WRFKDQJLQJDUHDDQGVKHOWHUHVSHFLDOO\LQ
FROGHUZHDWKHU