You are on page 1of 15



'D\V+RZWR3ODQ$KHDGDQG&UDFN0DLQV

3257$/  )2580  &/$66,),('6  '2:1/2$'6  *(77,1*67$57('  0$1$*(68%6&5,37,216  1(:63$3(5  &6(5(68/76 


>)227(5B/2*,1287@

<28$5(+(5(+20()($785(''$<6+2:723/$1$+($'$1'&5$&.0$,16

'D\V+RZWR3ODQ$KHDGDQG
&UDFN0DLQV
6(37(0%(5%<1(<$:1 &200(176

7KH0DLQV([DPLQDWLRQLVVFKHGXOHGRQWK'HFHPEHU7KDWZRXOGEHDERXWRGGGD\V
IURPQRZ7RGD\7KLVPRPHQWLWVHOI
)RONVWKHWLPHIRUFHOHEUDWLQJ+RZ$ZHVRPH0\3UHOLPV:HQWDQG,DPVFRULQJE\&/.H\
LVRYHU2UWKHPRXUQLQJRYHURIVFRULQJRQO\LQ*HQFDWHJRU\VKRXOGDOVRHQG*HWXSDQGQR
PDWWHUKRZ\RXIHHOVKRZXS
7KHQH[WRGGGD\VDUHJRLQJWREHWKHPRVWFUXFLDOGD\VLQWKH\HWOLYHGSDUWRI\RXU&LYLO
6HUYLFHV3UHSDUDWLRQ%HFDXVHQRPDWWHUKRZPXFK\RXKDYHVWXGLHGEHIRUHKRZPXFK
\RXVFRUHGODVW\HDUDQGQRPDWWHUKRZPXFK6\QHUJ\WHVWVHULHVVD\V\RXZLOOVFRUHWKHWUXWKLV
\RXZRQWXQOHVV\RXKDYHDURFNVROLGSODQ

KWWSIRUXPLDVFRPSRUWDO1H\DZQWKHGD\SODQWRFUDFNPDLQVDQGJHWDQLQWHUYLHZFDOO





'D\V+RZWR3ODQ$KHDGDQG&UDFN0DLQV

$QG\RXZLOOKDYHWRPDNHWKDWSODQIRU\RXUVHOI:K\ZRXOG\RXQHHGWKLVDUWLFOHWKHQ"
7KLVSRVWZLOOWHOO\RXWKHELJJHVWPLVWDNHVWKDW\RXVKRXOG127PDNHXQGHUDQ\FLUFXPVWDQFHLW
GRHVQWPDWWHULI\RXKDYHVFRUHGUDQNLQVLQ&6(RU\RXKDYHMXVWVWDUWHGRIIDQGWKLV
ZDV\RXUILUVW3UHOLPV:HOOVKRZ\RXKRZWRPDNHWKDWSODQIRU\RXUVHOI
7KLV\HDULVDWRWDOO\QHZJDPHDQGQHZZLQQHUVZLOOHPHUJHVRPHZLOOULVHDQGVKLQHDQG
VRPHROGSOD\HUVZLOOIHGLQWRWKHREOLYLRQ7KHWUXWKLV\RXKDYHWRUXQIDVWDQGFDWFKXSZLWKDOO
WKRVHZKRDUHDKHDGRI\RXDQGWKHQDOLWWOHIDVWHUVRWKDW\RXFDQPDNH\RXUZD\DKHDG
,QWKHSRSXODUPRYLH/LIHLQD0HWURWKHDPELWLRXVSURWDJRQLVWZKHQTXHVWLRQHGE\KLVERVV
DVWRZK\KHZDVLQVXFKDKXUU\WRVXFFHHGWKHSURWDJRQLVWVD\V6LU\HK5DFHKDLNRL0RUQLQJ
:DONWKRGHKL 7KLVLVDUDFHQRWDPRUQLQJZDON
<RXKDYHVLJQHGXSIRU,QGLDVPRVWFRPSHWLWLYH([DPLQDWLRQQRWWKH8QLW7HVWRI\RXU
HQJLQHHULQJFROOHJHZKHUH\RXFDQPDNHLWHYHQLI\RXVWDUWODWHDWPLGQLJKWMXVWDGD\EHIRUH
+HUHLVWKHEDVLFSODQ\RXRXJKWWRIROORZLI\RXZRXOGOLNHWRKDYHDJRRGVKRWDW,QWHUYLHZ
WKHVLJQWKDWWHOOV\RXWKDW\RXGLGZHOOLQ0DLQV

&DSWXUH6HSWHPEHU2FWREHU
7KHWUXWKLV6HSWHPEHU 2FWREHUZLOOEH\RXUPRVWFUXFLDOPRQWKV":K\"%HFDXVHWKHUHDUH
JRLQJWRWKUHHW\SHVRISHRSOH
D 7KH&RQIXVHGRQHVVWLOOORRNLQJIRUZKLFKFODVVHVWRMRLQDQGZKHUHWRVWXG\IURP
KWWSIRUXPLDVFRPSRUWDO1H\DZQWKHGD\SODQWRFUDFNPDLQVDQGJHWDQLQWHUYLHZFDOO





'D\V+RZWR3ODQ$KHDGDQG&UDFN0DLQV

E 7KHURFNVROLGGHWHUPLQHGRQHV:KRDOUHDG\KDYHDSODQ7KH\ZLOOWHOO\RX'R,ORRNOLNH
DJX\ZLWKDSODQ'RQWEHOLHYHWKHPWKH\KDYHDSODQ
F 7KH6HQLRUV[WLPHV,QWHUYLHZDSSHDUHGSHUKDSVVHOHFWHGLQDQDOOLHGVHUYLFH7KH\ZLOOHDWXS
VD\RIWKHVHDWVEXW\RXVWLOOKDYHRIWKHVHDWVWR\RX
%\QRZ\RXZRXOGNQRZZKLFKFDWHJRU\\RXDUHLQ7KHJRRGQHZVLVWKHUHLVKLJKPRELOLW\
EHWZHHQDDQGE$ODUJHQXPEHURI\RXZLOOPRYHIURPEHLQJZLWKDVROLGSODQWRJHWWLQJ
PLVGLUHFWHGDQGPLVRULHQWHGRQ\RXUZD\$QGDODUJHQXPEHURIFRQIXVHGRQHVZLOOPRYHWRWKH
RQHVZLWKDVROLGSODQ7KLVLVQWYHU\GLIILFXOW,I\RXGRQWKDYHDSODQ\HWWU\IROORZLQJVRPHRQH
HOVHVSODQ

:KDW\RXVKRXOGGRLQ6HSWHPEHU 2FWREHU
)LQLVKRII\RXU2SWLRQDOV)LUVW7KHQWKHHVVD\ \HV DQG(WKLFV7KHVHSDSHUVDUHWKHWKUHH
PRVWQHJOHFWHGSDSHUV HYHU\RQHQHJOHFWVDWOHDVWRQHSDSHURIWKHRSWLRQDOH[FHSWVD\,UD
6LQJKDORU6XKDUVK%KDJDWRU$QXQD\D-KD $QG,FDQWHOO\RXZLWKVRPHDFFXUDF\WKDWHDUO\WLPH
LQYHVWHGKHUHZLOOJLYH\RXWKDWHGJH
7KHVHVXEMHFWVKDYHWREHGRQHQRZDQGJRWWHQRYHUZLWKILQLVKHGXS$WOHDVWLI\RXKDYH
QHYHUWRXFKHGWKHPEHIRUH7KHRWKHUFRXOGEHGRQHLQWKHQH[WLWHUDWLRQ\HV
$ORWRISHRSOHVFRUHYHU\JRRGPDUNVLQ(VVD\(WKLFVDQG2SWLRQDOZLWKRXWWUHPHQGRXV
SUHSDUDWLRQ%XWOHWPHWHOO\RXWKDWDOOWKHVHWKUHHSDSHUVDUHQRWDOOOXFN,KDYHZRUNHGKDUGRQH
VRPHRIWKHPDQG,KDYHKDGFRPPHQVXUDWHVXFFHVVHYHUWLPH,KDYHSXWHIIRUWOLNHVFRULQJ
LQ(VVD\FRQVLVWHQWO\ZKHQ,KDYHD SUDFWLVHGDIHZSDSHUVDQGE LPSOHPHQWHGP\
KWWSIRUXPLDVFRPSRUWDO1H\DZQWKHGD\SODQWRFUDFNPDLQVDQGJHWDQLQWHUYLHZFDOO





'D\V+RZWR3ODQ$KHDGDQG&UDFN0DLQV

KDFNVDQGVWUDWHJLHVIRU(VVD\LQWKRVHSUDFWLVHSDSHUVF 5HSHDWHGWKHVWUDWHJLHVLQ
WKH([DPLQDWLRQ+DOO
,WVDZLVKIXOWKLQNLQJWKDW\RXZRXOGLPSOHPHQW\RXUKDFNVDQGVWDUWHGGLUHFWO\LQWKH
([DPLQDWLRQKDOO<RXFDQQRWXQOHVV\RXDUHYHU\YHU\OXFN\ FOLFN

:KDW\RXVKRXOG1RW'RLQ6HSWHPEHU 2FWREHU
7KHOLVWLVHDV\
'RQRWZDLWIRU3UHOLPV5HVXOW7KDWVLVZKDWPRUHWKDQSHRSOHDUHGRLQJ$QG
ZDLWLQJGRHVQWFRRNULFH
'RQRWVSHQGWKHQH[WWZRPRQWKVGRLQJ:RUOG+LVWRU\ ,QGLDQ&XOWXUHWKHELJDE\VVLQ
,$6SUHSDUDWLRQ
'RQRWZDLWWLOO2FWREHUHQGWRILQLVKWKHV\OODEXVDQGILQLVKDOOWKH0DLQV7HVWZKLFK\RX
KDYHVLJQHGXSIRULQWKHODVWPRQWKDQGEHVXSHUDZHVRPH7KDWDLQWKDSSHQLQJ

)ROORZDQ,WHUDWLYH$SSURDFK'RQWEHRYHUDPELWLRXV
,PHWWKLVJLUOZKRDVNHGPH+RZFDQ,FRPSOHWHWKHV\OODEXV\HVWHUGD\"
(YHU\RQHZDQWVWRFRPSOHWHWKHV\OODEXV\HVWHUGD\LVQWLW",ZRXOGVD\WU\WRGRDVPXFKDV\RX
FDQWRGD\DQGWKLVZHHN$QGDWLPHZLOOFRPHIRUWKHOHIWRYHUVSHUKDSVWKHQH[WLWHUDWLRQRU
UHYLVLRQ\RXPDNHEHIRUHDSSHDULQJIRUWKHQH[WWHVW
<RXKDYHWRILQLVKDVPXFKDV\RXFDQWRGD\DQGWKLVZHHNEXWQRPRUH<RXVLPSO\FDQQRWDQG
KWWSIRUXPLDVFRPSRUWDO1H\DZQWKHGD\SODQWRFUDFNPDLQVDQGJHWDQLQWHUYLHZFDOO





'D\V+RZWR3ODQ$KHDGDQG&UDFN0DLQV

VKRXOGQW5LGLFXORXVO\DPELWLRXVJRDOVDUHRND\EXWGRQWEHGLVDSSRLQWHGLI\RXGRQW
'RQWZRUU\\RXZLOOILQLVKDODUJHSDUWRI\RXUV\OODEXVLQWKHFRPLQJGD\VFXPXODWLYHO\,WVRND\
LI\RXGRQWPDNHSURJUHVVRQVRPHGD\VGHVSLWH\RXUEHVWHIIRUWV
*HWGRQHZLWKZULWLQJDIHZ(VVD\VWKLVPRQWKGHYHORS\RXUVWUDWHJ\WULFNVDQGKDFNV,PSOHPHQW
WKHPLQWKHWHVWVHULHVRUWHVWWKDW\RXZULWH5HPHPEHURQHWKLQJ\RXFDQQRWFDQQRW
FDQQRWLPSOHPHQWDQDZHVRPHVWUDWHJ\XQOHVV\RXKDYHUHKHDUVHGLWDWKRPHILUVW
<RXVHHWKRVHJX\VZLQQLQJPHGDOVDQGFUHDWLQJ:RUOGUHFRUGVLQWKH2O\PSLFVLQDWKOHWLFV"
&KDQFHVDUHWKH\KDYHGRQHEHWWHUUHFRUGVLQWKHLUSUDFWLFHEUHDNLQJWKH:RUOG5HFRUGPDQ\
WLPHVRYHU2QO\WKHQDUHWKH\DEOHWREUHDNUHFRUGVLQWKH2O\PSLFV6RLVWKHFDVHZLWK836&
0DLQV

1HJOHFWLVWKH6LOHQW.LOOHU
,IWKHUHLVRQHWKLQJ\RXVKRXOGQWGRLWLVQHJOHFWDQ\RIWKHSDSHUV
1HJOHFW,I\RXDUHDIUHVKHU\RXDUHPRVWOLNHO\WRGR:RUOG+LVWRU\ILUVWDQG,QGLDQ&XOWXUH
DQGDOORIWKLVIRUDERXWGD\VDQGUHPDLQLQJLQWKHUHPDLQLQJRIWKHWLPH7KLVLV
EHFDXVHWKDWLVWKHRQO\WKLQJDERXWZKLFK\RXKDYHYHU\OLWWOHRUQRLGHDDERXW$QGLQWKLVSURFHVV
\RXZLOOHQGXSKXUWLQJRWKHUSDSHUV
1HJOHFW,I\RXDUHDJDLQDQHZELH\RXDUHPRUHOLNHO\WRZDLWWLOOV\OODEXVFRPSOHWLRQDQGWKHQ
MRLQDWHVWVHULHVRUEHJLQDQVZHUZULWLQJSUDFWLVH0RVWOLNHO\\RXZLOOKDYHFRYHUHGRIWKH
V\OODEXVE\'HFHPEHUWKLV\HDU836&ZLOODOVRKDYHFRQGXFWHGWKH0DLQVE\WKDWWLPH'R
KWWSIRUXPLDVFRPSRUWDO1H\DZQWKHGD\SODQWRFUDFNPDLQVDQGJHWDQLQWHUYLHZFDOO





'D\V+RZWR3ODQ$KHDGDQG&UDFN0DLQV

QRWZDLWIRUV\OODEXVFRPSOHWLRQ-XVWVLJQXSDQGVWDUWZULWLQJWHVWV
1HJOHFW,I\RXKDYHDSSHDUHGIRU0DLQVEHIRUHDQGHYHQJRWWHQDQ,QWHUYLHZFDOODQGHYHQ
FRQYHUWHGWRVRPHUDQNKHUHLVZKDW\RXZLOOGR
,KDYHVFRUHGLQ3KLORVRSK\3DSHUDQGRQO\LQ3DSHU/HWPHIRFXVRQ3DSHUWKLV
WLPH$QGWKHQPRVWOLNHO\\RXZLOOSD\DWWHQWLRQWR3DSHUDQGLQWKHHQG\RXZLOOSUREDEO\HQG
XSUHYHUVLQJWKHVFRUH7KHVXPWRWDORIERWKVKDOOUHPDLQVWKHVDPHXQIRUWXQDWHO\
'RQRWQHJOHFWWKHSDSHULQZKLFK\RXKDYHVFRUHGZHOOODVW\HDU<RXUJRDOVKRXOGEHWREHJRRG
HQRXJKWRUHWDLQWKDWVFRUHDQGLQFUHDVH\RXUVFRUHLQWKHOHVVVFRULQJSDSHU


&RYHULQJ*HQHUDO6WXGLHV3DSHU
*6LVVWDWLFZHOODOPRVW$QGDV)RUXP,$6PRGHUDWRU1HDQGHUWKDOVD\VFUHDWLYLW\SDLGIRU
KLP +HKDVDVFRUHLQ*6DQG\RXJRWWDOLVWHQWRKLP *6LVDOVRYHU\IDFWXDO
,I\RXEHJLQ*6QRZDQGLIWKLVLV\RXUILUVWDWWHPSW\RXZLOOEHGRLQJ*6IRUQH[WWZRPRQWKV
DQGHYHQKDOIRI1RYHPEHUDQG\RXZRQWEHDQ\ZKHUHFORVHWRFRPSOHWLQJWKHV\OODEXV*6KDV
WREHUHDGRQFHPD\EHQRWHVPDGHYHU\EULHIO\DQGFDQEHVDIHO\UHOHJDWHGWR2FWREHURUVR
<RXZLOOEHYHU\VFDUHGJLYHQWKDWHYHU\RQHLQWKHSODQHWNQRZVDERXW1DSROHRQDQG\RXGRQW
XQWLO2FWREHU EXWWUXVWPH*6ZLOOWDNHDOPRVWRIPRVWSHRSOHVWLPHHVSHFLDOO\ILUVWWLPHV
KWWSIRUXPLDVFRPSRUWDO1H\DZQWKHGD\SODQWRFUDFNPDLQVDQGJHWDQLQWHUYLHZFDOO





'D\V+RZWR3ODQ$KHDGDQG&UDFN0DLQV

$QGLWVZHLJKWDJHZLOOKDUGO\EH$QGWKDWWRRPRVWSHRSOHZRXOGEHVWXFNZLWK
:RUOG+LVWRU\DQG&XOWXUH3DUW'RQWEH0RVW3HRSOH

&RYHULQJ*HQHUDO6WXGLHV3DSHU
7KLVKDVEHHQDELWRIP\IRUWHKDYLQJVFRUHGLQHYHU\DWWHPSWWKDW,KDYHPDGH*6LV
ODUJHO\FXUUHQWDIIDLUVEDUULQJDIHZVWDWLFSRUWLRQVODVW\HDU6RWKHFXUUHQW$IIDLUVZLOOJRDV
8VXDOWU\UHDGLQJWKH1HZVSDSHUQRWVSHQGLQJPRUHWKDQPLQXWHVRQ7KH+LQGXLWXQGHUDQ\
FLUFXPVWDQFHDQGPD[LPXPRIPLQXWHVLI\RXDUHGRLQJQHZVSDSHUV
%XWQRPRUH,I\RXDUHDEOHWRZLQGXS7KH+LQGXLQXQGHUPLQXWHV\RXDUHVPDUW$VV1RWH
GRZQLVVXHVDQGPD\EHUHDGWKHPODWHU
)RUH[DPSOHWKH(XURSHDQ5HIXJHHLVVXH<RXGRQRWQHHGWRUHDGRQLWHYHU\GD\$WWKHHQGRI
WKHZKROHFULVLV\RXFDQUHDGDQGXQGHUVWDQGWKHZKROHWKLQJWKURXJKDVLQJOHGRFXPHQW%XW\HV
GRPDNHVXUHWKDW\RXPDNHDQRWHRIWKH,VVXHDQGFRYHULWODWHU%\ODWHU,PHDQQRODWHUWKDQ
HQGRI2FWREHU
:KHQ\RXUHDGDQLVVXHRQ&XUUHQW$IIDLUV,FRXOGWHOO\RXWKHTXHVWLRQVWKDWPD\FRPHIURPLW
2QWKH(8UHIXJHH&ULVLVWKHSRVVLEOHTXHVWLRQVFRXOGEHRQ
7KH&DXVHVRI5HIXJHH3UREOHPEHLQJURRWHGLQERWK:DUDQG(8SROLFLHV
7KH5HIXJHHSUREOHPDEOHPLVKRQ(8VLQFHWKH\KDYHEHWWHUWDVWHGLQWHUQDO5HIXJHHV
GXULQJ::
7KH5HIXJHHSUREOHPDIDLOXUHRI812 0RVW/LNHO\4XHVWLRQ
KWWSIRUXPLDVFRPSRUWDO1H\DZQWKHGD\SODQWRFUDFNPDLQVDQGJHWDQLQWHUYLHZFDOO





'D\V+RZWR3ODQ$KHDGDQG&UDFN0DLQV

&RQQHFWLRQRIWKH5HIXJHH3UREOHPZLWK,VVXHRI5HIXJHHVRQRXU(DVWHUQ%RUGHU
5RKLQJ\DVLQFOXGHGGRQWMXVWWKLQN%DQJODGHVK
7KH&XUUHQW$IIDLUV3DUWFDQEHGRQHE\VHYHUDOZD\VVXFKDVWKH1HZVSDSHURUUHDGLQJRQWRSLFV
RI\RXUFKRLFH7KHVWDWLFSDUWKDVDOUHDG\EHHQGRQHE\\RXIRU3UHOLPVDOPRVW<RXMXVWQHHGWR
UHYLVHWKDW
)RUWKRVHRI\RXZKRDUHEDGDW,QWHUQDWLRQDOUHODWLRQV,UHFRPPHQGJLYLQJRQHIXOOGD\WR5DMLY
6LNULWKLVZLOOVHWXSWKHEDVLFVRI,QGLDV5HODWLRQVZLWKPRVWFRPPRQFRXQWULHV

&RYHULQJ*63DSHU
7KH*6SDSHUKDVIRXUNLQGVRI7RSLFV
 (FRQRPLF'HYHORSPHQW
 WHFKQRORJ\
 (QYLURQPHQW
 'LVDVWHU0DQDJHPHQW
 6HFXULW\,VVXHV
2XWRIWKHVHIRU <RXZLOOQHHGWRGRWKH(FRQRPLF6XUYH\+LQGX1HZVSDSHU RUFRPSLODWLRQ
KWWSIRUXPLDVFRPSRUWDO1H\DZQWKHGD\SODQWRFUDFNPDLQVDQGJHWDQLQWHUYLHZFDOO





'D\V+RZWR3ODQ$KHDGDQG&UDFN0DLQV

ZHOO
)RU %HUHDG\IRUWZRNLQGVRITXHVWLRQVLQWHFKQRORJ\
3XEOLF+HDOWKZKLFKLVWKHPRVWDVNHG4XHVWLRQFDWHJRU\LQ836&VLQFHWLPHVLPPHPRULDO
4XHVWLRQFRXOGEHRQ(EROD7XEHUFXORVLV 0'57%7'57%DQJOHV DQGRWKHUUHODWHG
LVVXHV
7HFKQRORJ\WKDWLVRIRULVFDSDEOHRIPDVVDSSOLFDWLRQ,QODVWWZR\HDUVTXHVWLRQVKDYHEHHQ
RQ 'LJLWDO6LJQDWXUHXVHGE\,7GHSDUWPHQW'3ULQWHUZKLFKZDVDELJQHZVHWF
,QFOXGHUXUDOWHFKQRORJ\DOVRXQGHUWKLV
)RU (QYLURQPHQWFXUUHQWQRWHVODVWWHQ\HDUVSDSHUVZLOOVXIILFH
)RU 'RLWIURPDQ\VWDQGDUGVRXUFHDQGSUHSDUHTXHVWLRQVRQ1HSDO8WWDUDNKDQGDQGDQ\
RWKHUWUDJHGLHVWKDWKDYHKDSSHQHGRUPD\KDSSHQEHWZHHQWRGD\DQG'HFHPEHU3OHDVHQRWH
WKDWZKHQ\RXVWXG\'LVDVWHUPDQDJHPHQWGRQRWUHVWULFW\RXUVHOIWR1DWXUDO'LVDVWHUVDORQHEXW
DOVRUHWDLQIRFXVRQPDQPDGHGLVDVWHUVZKLFKH[SDQGWKHVFRSHRIWKLVSDUWRIWKHV\OODEXV[
$FDUHIXOUHDGLQJRIWKH+LQGXZLOONHHS\RXSUHSDUHGIRUWKLV


&RYHULQJ*HQHUDO6WXGLHV3DSHU
,ZLOOFRPHXSZLWKGHWDLOHGVWUDWHJ\RQWKLVSDUW/HWPHWHOO\RX(WKLFVLVDJDLQDPDWWHURIFOHDU
PLQGDQG\RXNQRZWKLVLI\RXKDYHDSSHDUHGIRU0DLQVODVW\HDUZKHUHTXHVWLRQVZHUH
KWWSIRUXPLDVFRPSRUWDO1H\DZQWKHGD\SODQWRFUDFNPDLQVDQGJHWDQLQWHUYLHZFDOO





'D\V+RZWR3ODQ$KHDGDQG&UDFN0DLQV

VHQVLWLYHIRFXVVLQJRQUHDOZRUOGLVVXHVDQGHYHQSROLWLFDODQGFDVWHLVWRQHVVRPHWKLQJWKDW
836FKDGDYRLGHGDOOWKHVH\HDUVVLQFH,QGHSHQGHQFH
(WKLFV3DSHUZLOODJDLQEHDPDWWHURISUDFWLVHDQGKDYLQJDVRUWHGPLQGEHIRUHWKHSDSHU,WVHDV\
WRJHWWULFNHGDQGVFRUHORZWKHUHLQ
,KRSH\RXPDNHJRRGXVHRIWKHWLPHDWKDQG:LVK\RXDOOWKHEHVW
$GGLWLRQDO*\DQ
7KHUHDUHWKUHHWKLQJVDERXWWLPHWKDW\RXVKRXOGNQRZDQGDSSUHFLDWH
 7LPHLVPRUHSUHFLRXVWKDQPRQH\%HFDXVH\RXFDQDOZD\VHDUQPRUHPRQH\EXW\RXFDQ
QHYHUHDUQPRUHWLPH
 (YHU\RQHKDVDQHTXDODPRXQWRILW(YHU\RQH
 <RXZLOODJDLQKDYHKRXUVZKHQ\RXZDNHXSDJDLQWRPRUURZ<RXFDQQRWZDVWH
WRPRUURZVKRXUVWRGD\LQDGYDQFH<RXFDQRQO\ZDVWHWRGD\VWLPH6RWKHFKRLFHRI
UHGHHPLQJ\RXUVHOILVDOZD\VWKHUH
&KHHUV



KWWSIRUXPLDVFRPSRUWDO1H\DZQWKHGD\SODQWRFUDFNPDLQVDQGJHWDQLQWHUYLHZFDOO





'D\V+RZWR3ODQ$KHDGDQG&UDFN0DLQV

/LNH7KLV$UWLFOH"6KDUHLW

 

),/('81'(5)($785(')2580,$6*<$1675$7(*<

/HDYHD5HSO\
&RPPHQWVRQ'D\V+RZWR3ODQ$KHDGDQG&UDFN0DLQV

6LJQ8SRU-RLQ

/RJLQZLWKIDFHERRN

/RJLQZLWKJRRJOH

<RXPXVWEHORJJHGLQWRSRVWDFRPPHQW

VXMLXQD
0HPEHU

PLQXWHVVHFRQGVDJR

7KDQNVEURWKHU7KDQNVDORW
 

_

6KDUH

6ULNDQWK9DQJDUL
KWWSIRUXPLDVFRPSRUWDO1H\DZQWKHGD\SODQWRFUDFNPDLQVDQGJHWDQLQWHUYLHZFDOO

PLQXWHVVHFRQGVDJR




'D\V+RZWR3ODQ$KHDGDQG&UDFN0DLQV

1LFHSRVW7KDQNVIRU\RXU7LPH

0HPEHU

 

_

6KDUH

VPLWDWLZDUL#JPDLOFRP
0HPEHU

PLQXWHVVHFRQGVDJR

DZDNHXSFDOO
 

_

6KDUH

\RGGKD
0HPEHU

KRXUPLQXWHVDJR

YHU\QLFH KHOSIXOWKDQNV)RUXPLDVWHDP
 

_

6KDUH

'XNFKHQ%KXWLD
0HPEHU

KRXUPLQXWHVDJR

7KDQN\RXIRUVXFKDJRRGVXJJHVWLRQ
 

_

6KDUH

/2$'5(672)&200(176

0((78621/,1(
KWWSIRUXPLDVFRPSRUWDO1H\DZQWKHGD\SODQWRFUDFNPDLQVDQGJHWDQLQWHUYLHZFDOO





'D\V+RZWR3ODQ$KHDGDQG&UDFN0DLQV

6HDUFKWKLVZHEVLWH

5(&(17&200(176

VXMLXQDRQ'D\V+RZWR3ODQ$KHDG

DQG&UDFN0DLQV

6ULNDQWK9DQJDULRQ'D\V+RZWR

3ODQ$KHDGDQG&UDFN0DLQV

VPLWDWLZDUL#JPDLOFRPRQ'D\V

+RZWR3ODQ$KHDGDQG&UDFN0DLQV

\RGGKDRQ'D\V+RZWR3ODQ$KHDG

DQG&UDFN0DLQV

'XNFKHQ%KXWLDRQ'D\V+RZWR

3ODQ$KHDGDQG&UDFN0DLQV
KWWSIRUXPLDVFRPSRUWDO1H\DZQWKHGD\SODQWRFUDFNPDLQVDQGJHWDQLQWHUYLHZFDOO





'D\V+RZWR3ODQ$KHDGDQG&UDFN0DLQV

0/=5RQ'D\V+RZWR3ODQ$KHDG

DQG&UDFN0DLQV

WRXVLIRQ1HZVSDSHU0XVW5HDG$UWLFOHV

RI7KH'D\6HSWHPEHU

/DODWHQGXRQ6XEVFULSWLRQ&RPSOHWH

0DQGDUNRQ'D\V+RZWR3ODQ

$KHDGDQG&UDFN0DLQV

DQ\RQ'D\V+RZWR3ODQ$KHDGDQG

&UDFN0DLQV

/LVWRILPSRUWDQWWKUHDGV

1HZVSDSHU

)RUXP5XOHV

-RLQXVRQ)DFHERRN

$ERXW8V

)RUXP,$63RUWDO

'RZQORDGV

7 &3ULYDF\3ROLF\

-RLQXVRQ7ZLWWHU

&RQWDFW8V

&DWHJRULHV

'LVFXVVLRQ)RUXP

:RUN:LWK8V

566)HHGIRU3RUWDO

6HQGXVDPHVVDJH

&ODVVLILHGV

)UHH1HZVOHWWHU

$GYHUWLVH:LWK8V

&RPPHQWVRQWKH3RUWDO

6HQGXVDQHPDLO

)RUXP,$6FRP 00;,, $OOULJKWVUHVHUYHG2SLQLRQVEHORQJWRLQGLYLGXDOXVHUV/RJLQ

KWWSIRUXPLDVFRPSRUWDO1H\DZQWKHGD\SODQWRFUDFNPDLQVDQGJHWDQLQWHUYLHZFDOO





'D\V+RZWR3ODQ$KHDGDQG&UDFN0DLQV

KWWSIRUXPLDVFRPSRUWDO1H\DZQWKHGD\SODQWRFUDFNPDLQVDQGJHWDQLQWHUYLHZFDOO



You might also like