(WLFNHW'RP)OLJKW

(7LFNHW
0DNH0\7ULS%RRNLQJ,'1)
%RRNLQJ'DWH)UL2FW

,WLQHUDU\DQG5HVHUYDWLRQ'HWDLOV

*R$LU

*

'HSDUWXUH
0XPEDL%20
7HUPLQDO%
6XQ1RYKUV

$UULYDO
*RD*2,

1RQ6WRS)OLJKW
'XUDWLRQKUP

6XQ1RYKUV

3DVVHQJHU1DPH

7\SH

$LUOLQH315

(7LFNHW1XPEHU

.ULVKQD'HYL0XQGKUD

$GXOW

108/&

108/&

)ODWRIIRQ'RPHVWLF
+RWHOV
(DUQXSWR)UHH5RRP1LJKWV
%RRNLQJV )UHH5RRP1LJKW
%RRNLQJV PRUH)UHH5RRP1LJKWV

8VH\RXUIOLJKWERRNLQJ,'DVHFRXSRQFRGH
EHIRUHSD\PHQW%RRN1RZ
7 &$SSO\_0D[LPXPGLVFRXQWDOORZHG,15

,PSRUWDQW,QIRUPDWLRQ
$SULQWHGFRS\RIWKLVHWLFNHWRUHWLFNHWGLVSOD\RQODSWRSWDEOHWRUSKRQHPXVWEHSUHVHQWHGDWWKHWLPHRIFKHFNLQ
&KHFNLQVWDUWVKRXUVEHIRUHVFKHGXOHGGHSDUWXUHDQGFORVHVPLQXWHVSULRUWRWKHGHSDUWXUHWLPH:H
UHFRPPHQG\RXUHSRUWDWWKHFKHFNLQFRXQWHUDWOHDVWKRXUVSULRUWRGHSDUWXUHWLPH
,WLVPDQGDWRU\WRFDUU\*RYHUQPHQWUHFRJQLVHGSKRWRLGHQWLILFDWLRQ,'DORQJZLWK\RXU(7LFNHW
7KLVFDQLQFOXGH'ULYLQJ/LFHQVH3DVVSRUW3$1&DUG9RWHU,'&DUGRUDQ\RWKHU,'LVVXHGE\WKH*RYHUQPHQWRI
,QGLD)RULQIDQWSDVVHQJHUVLWLVPDQGDWRU\WRFDUU\WKH'DWHRI%LUWKFHUWLILFDWH
*HW)OLJKW6WDWXVRQ606E\JLYLQJDPLVVHGFDOOWRRU6061RUPDO606&KDUJHV$SSO\
#ERRNLQJVWRIURPWKHPRELOHQXPEHUXVHGIRU\RXUERRNLQJ

&DQFHOODWLRQ 'DWH&KDQJH5XOHV
4+RZFDQ,FDQFHOP\ERRNLQJ"
$<RXFDQFDQFHO\RXUERRNLQJE\ORJJLQJRQWRWKH&XVWRPHU6XSSRUWVHFWLRQRIRXUZHEVLWH,I\RXDUHFDQFHOOLQJRU
UHVFKHGXOLQJ\RXUIOLJKWZLWKLQKRXUVRILWVGHSDUWXUHWLPHNLQGO\FRQWDFWWKHDLUOLQHGLUHFWO\3OHDVHQRWHWKDWWKHERRNLQJFDQ
RQO\EHFDQFHOOHGWLOOKRXUVEHIRUHWKHGHSDUWXUHRIWKHIOLJKW&XVWRPHUVZKRKDYHQRWFDQFHOOHGWKHLUERRNLQJVDQGIDLOWR
UHSRUWLQWLPHVKDOOEHGHHPHGDV1R6KRZE\WKHDLUOLQH
3OHDVHVXEPLW\RXUUHTXHVWXQGHUVSHFLDOFODLPVIRU1RQ2SHUDWLRQDO)OLJKWV)OLJKWVGHOD\HGEH\RQGDVSHFLILHGWLPH
8QXWLOL]HG1R6KRZWLFNHWVDQGWLFNHWVGLUHFWO\FDQFHOOHGZLWKWKHDLUOLQHE\ORJJLQJRQWRWKH&XVWRPHU6XSSRUWVHFWLRQRIRXU
ZHEVLWH
4+RZGR,PDNHGDWHFKDQJHLQP\ERRNLQJ"
,I\RXZDQWWRPDNHDQ\DPHQGPHQWVWR\RXULWLQHUDU\SOHDVHORJRQWRRXUFXVWRPHUVXSSRUWVHFWLRQ3OHDVHQRWHWKDWWKH
KWWSVVXSSRUWPDNHP\WULSFRP3ULQW(WLFNHWDVS[





(WLFNHW'RP)OLJKW

DLUOLQHUHVFKHGXOLQJFDQFHOODWLRQIHHIDUHGLIIHUHQFHLIDQ\DQGD0DNH0\7ULS6HUYLFH)HHLVDSSOLFDEOHIRUPDNLQJFKDQJHV

WRWKHLWLQHUDU\
4:KDWDUHWKHFKDUJHVWRFDQFHOP\ERRNLQJ"
$LUOLQH

7\SH

6HFWRU

&DQFHOODWLRQ)HH
$LUOLQH0DNH0\7ULS
7LPHRIFDQFHOODWLRQ
$IWHU'HSDUWXUH

*R$LU

$GXOW

0XPEDL*RD

!KRXUVKRXUVWR
GHSDUWXUH
!KRXUVGD\VWR
GHSDUWXUH
!GD\VGD\VWR
GHSDUWXUH
!GD\VGD\VWR
GHSDUWXUH
!GD\VGD\VWR
GHSDUWXUH

'DWH&KDQJH)HH
$LUOLQH0DNH0\7ULS
)HH
1RQ
5HIXQGDEOH
1RQ
5HIXQGDEOH





7LPHRI'DWH&KDQJH
$IWHU'HSDUWXUH
!KRXUVKRXUVWR
GHSDUWXUH
!KRXUVGD\VWR
GHSDUWXUH
!GD\VGD\VWR
GHSDUWXUH
!GD\VGD\VWR
GHSDUWXUH
!GD\VGD\VWR
GHSDUWXUH

)HH
1RQ
&KDQJHDEOH
1RQ
&KDQJHDEOH





0DNH0\7ULS&DQFHOODWLRQ'DWH&KDQJH6HUYLFH)HH
$SSOLFDEOHRQFDQFHOODWLRQDQGFKDQJHVGRQHDW&XVWRPHU6XSSRUW,I\RXFDQFHOPRGLI\\RXUWLFNHWRIIOLQHWKURXJK
RXUFDOOFHQWHU\RXZLOOEHFKDUJHG,15H[WUDDQGWKHWRWDO0DNH0\7ULSIHHZLOOEH,15
7KHDERYHFDQFHOODWLRQDQGGDWHFKDQJHIHHVDUHDSSOLFDEOHEHIRUHGHSDUWXUHDQGDUHSHUVHFWRUSHUSDVVHQJHU,IPDNLQJ
DQDPHQGPHQWWR\RXUERRNLQJWKHQDORQJZLWKWKHDLUOLQHDQG0DNH0\7ULSFRPIHHV\RXZLOODOVREHUHTXLUHGWRSD\D
GLIIHUHQFHLQIDUHLIDSSOLFDEOH3OHDVHQRWHWKDWPXOWLSOHIOLJKWVHFWRUVERRNHGRQRQH315FDQRQO\EHFDQFHOOHGWRJHWKHU
4:KHQZLOO,JHWP\UHIXQGDIWHUFDQFHOOLQJP\ERRNLQJ"
$7KHUHIXQGZLOOEHLQLWLDWHGZLWKLQZRUNLQJGD\VIRURQOLQHFDQFHOODWLRQVDQGZRUNLQJGD\VIRUFDQFHOODWLRQVGRQHRQWKH
SKRQH,WPD\WDNHDQDGGLWLRQDOZRUNLQJGD\VIRUWKHUHIXQGWRUHIOHFWLQ\RXUDFFRXQWGHSHQGLQJRQ\RXUEDQN<RXFDQ
WUDFNWKHVWDWXVRI\RXUUHIXQGE\ORJJLQJRQWKH&XVWRPHU6XSSRUWVHFWLRQRIRXUZHEVLWH
4&DQ,FKDQJHWKHQDPHRIWKHSDVVHQJHUWUDYHOOLQJ"
$<RXUERRNLQJLVQRQWUDQVIHUDEOHDQGWKHQDPHRIDSDVVHQJHUFDQQRWEHFKDQJHG,I\RXZRXOGOLNHWRFKDQJHWKHQDPHRI
DSDVVHQJHU\RXZLOOQHHGWRFDQFHOWKHRULJLQDOERRNLQJDQGPDNHDQHZERRNLQJIRUWKHGHVLUHGSDVVHQJHU
$Q\UHIXQGFODLPVDULVLQJGXHWRFDQFHOODWLRQRUGHOD\RIIOLJKWE\WKH$LUOLQHVKDOOEHVXEMHFWWR0DNH0\7ULSUHFHLYLQJWKH
UHIXQGDPRXQWIURPWKH$LUOLQH,QWKHHYHQW$LUOLQHGRHVQRWUHIXQGWKHDPRXQWWR0DNH0\7ULS0DNH0\7ULSVKDOOQRWEH
KHOGOLDEOHIRUWKHVDPH

%DJJDJH$OORZDQFH
&KHFNLQ%DJJDJH
$LUOLQH

6HJPHQW

$GXOW

&KLOG

*R$LU

%20*2,

.JV

.JV

7KHDERYHDUHIUHHEDJJDJHDOORZDQFHV3UHSXUFKDVHGH[WUDEDJJDJHLVRYHUDQGDERYHWKHVH
&DELQ%DJJDJH
$7KH*RYHUQPHQWRI,QGLDUHJXODWLRQVFXUUHQWO\SHUPLWRQO\RQHSLHFHRIFDELQEDJJDJHSHUDGXOWFKLOGSDVVHQJHURQERDUG
7KHZHLJKWRIWKHFDELQEDJJDJHVKRXOGQRWH[FHHGNJV
7KHDERYHGDWDLVLQGLFDWLYHDQGPD\FKDQJHZLWKRXWQRWLILFDWLRQ.LQGO\FRQWDFWWKHDLUOLQHGLUHFWO\IRUWKHODWHVWLQIRUPDWLRQRQ
EDJJDJHUXOHVDQGDOORZDQFHV

0DNH0\7ULSRQ0RELOH
KWWSVVXSSRUWPDNHP\WULSFRP3ULQW(WLFNHWDVS[





(WLFNHW'RP)OLJKW

$<RXFDQQRZERRN\RXUDLUWLFNHWVXVLQJ\RXU0RELOH3KRQH0DNH0\7ULS0RELOH$SSV
DUHDYDLODEOHRQ$QGURLG*RRJOH3OD\6WRUHL3KRQH$SSOH$SS6WRUHDQG%ODFN%HUU\
%ODFN%HUU\$SS:RUOG
%<RXFDQDOVRXVH0DNH0\7ULSRQ\RXU0RELOH%URZVHU-XVWORJRQWR
KWWSPPDNHP\WULSFRP
7R'RZQORDGWKH$SSMXVWVFDQWKH45&RGHIURP\RXUPRELOHGHYLFH

1RZJHW\RXUODWHVW)OLJKW6WDWXVE\6066HQG#PPWIVIOLJKWFRGH!WR
)RUHJVHQG#PPWIV(RU#PPWIV'HOKLWR%DQJDORUHE\,QGLJR
)RU0RUH7UDYHO606 VHUYLFHVUHSO\#PPWWR
/RFDO606SODQFKDUJHVDSSO\

0DNH0\7ULS6XSSRUW

$LUOLQH&RQWDFW,QIRUPDWLRQ

:HE

KWWSVVXSSRUWPDNHP\WULSFRP

*R$LU

)$4
V

KWWSPDNHP\WULSFXVWKHOSFRP

7HOHSKRQH 


7ROOIUHH
)L[HG/LQH

3OHDVHUHIHUHQFHWKH$LUOLQH3151XPEHUZKHQ
FRPPXQLFDWLQJZLWKWKHDLUOLQHUHJDUGLQJWKLVERRNLQJ

1RWH3OHDVHGRQRWUHSO\WRWKLVPDLO,WKDVEHHQVHQWIURPDQHPDLODFFRXQWWKDWLVQRWPRQLWRUHG
7RHQVXUHWKDW\RXUHFHLYHFRPPXQLFDWLRQUHODWHGWR\RXUERRNLQJIURP0DNHP\7ULSFRPSOHDVH
DGGQRUHSO\#PDNHP\WULSFRPWR\RXUFRQWDFWOLVWDQGDGGUHVVERRN

KWWSVVXSSRUWPDNHP\WULSFRP3ULQW(WLFNHWDVS[