#
ZZZ1WDQDNDSRZHUHTXLSPHQW1FRP###############################7##############################################FXVWVYF#WDQDND0LVP1FRP
2ZQHU·V#0DQXDO#
7%&07533)#2#7%&07633)#
#
51#:DUQLQJV#DQG#VDIHW\#LQVWUXFWLRQV1#
#
2SHUDWRU#6DIHW\#
• $OZD\V#ZHDU#D#VDIHW\#IDFH#VKLHOG#RU#JRJJOHV1##
• $OZD\V#ZHDU#KHDY\/#ORQJ#SDQWV/#ERRWV#DQG#JORYHV1#'R#QRW#
ZHDU#ORRVH#FORWKLQJ/#MHZHOU\/#VKRUW#SDQWV/#VDQGDOV#RU#JR#
EDUHIRRW1#6HFXUH#KDLU#VR#LW#LV#DERYH#VKRXOGHU#OHQJWK1#
• 'R#QRW#RSHUDWH#WKH#WRRO#ZKHQ#\RX#DUH#WLUHG/#LOO#RU#XQGHU#WKH#
LQIOXHQFH#RI#DOFRKRO/#GUXJV#RU#PHGLFDWLRQ1#
• 1HYHU#OHW#D#FKLOG#RU#LQH[SHULHQFHG#SHUVRQ#RSHUDWH#WKH#
PDFKLQH1#
• :HDU#KHDULQJ#SURWHFWLRQ1#
• 1HYHU#VWDUW#RU#UXQ#WKH#HQJLQH#LQVLGH#D#FORVHG#URRP#RU#
EXLOGLQJ1#%UHDWKLQJ#H[KDXVW#IXPHV#FDQ#NLOO1#
• .HHS#KDQGOHV#IUHH#RI#RLO#DQG#IXHO1#
• .HHS#KDQGV#DZD\#IURP#FXWWLQJ#HTXLSPHQW1#
• 'R#QRW#JUDE#RU#KROG#WKH#XQLW#E\#WKH#FXWWLQJ#GHYLFH1#
• :KHQ#WKH#XQLW#LV#WXUQHG#RII/#PDNH#VXUH#WKH#HQJLQH#KDV#
VWRSSHG#EHIRUH#WKH#XQLW#LV#VHW#GRZQ1#
• :KHQ#RSHUDWLRQ#LV#SURORQJHG/#WDNH#D#EUHDN#IURP#WLPH#WR#WLPH#
VR#WKDW#\RX#PD\#DYRLG#SRVVLEOH#ZKLWH#ILQJHU#GLVHDVH#ZKLFK#LV#
FDXVHG#E\#YLEUDWLRQ1#
#
7RRO#6DIHW\#
• ,QVSHFW#WKH#HQWLUH#WRRO#EHIRUH#HDFK#XVH1#5HSODFH#GDPDJHG#
SDUWV1#&KHFN#IRU#IXHO#OHDNV#DQG#PDNH#VXUH#DOO#IDVWHQHUV#DUH#LQ#
SODFH#DQG#VHFXUHO\#IDVWHQHG1#
• 5HSODFH#SDUWV#WKDW#DUH#FUDFNHG/#FKLSSHG#RU#GDPDJHG#LQ#DQ\#
ZD\#EHIRUH#XVLQJ#WKH#WRRO/#
• 0DNH#VXUH#WKH#VDIHW\#JXDUG#LV#SURSHUO\#DWWDFKHG1#
• .HHS#RWKHUV#DZD\#ZKHQ#PDNLQJ#FDUEXUHWRU#DGMXVWPHQWV1#
• 8VH#RQO\#DFFHVVRULHV#DV#UHFRPPHQGHG#IRU#WKLV#WRROV#E\#WKH#
PDQXIDFWXUHU1#
#
:$51,1*$#
1HYHU#PRGLI\ #WKH#WRRO#LQ#DQ\#ZD\1#'R#QRW#XVH#WKH#WRRO#IRU#DQ\#MRE#
H[FHSW#WKDW#IRU#ZKLFK#LW#LV#LQWHQGHG1#
#
)XHO#6DIHW\#
• 0L[#DQG#SRXU#IXHO#RXWGRRUV#DQG#ZKHUH#WKHUH#DUH#QR#VSDUNV#RU#
IODPHV1#
• 8VH#D#FRQWDLQHU#DSSURYHG#IRU#IXHO1#
• 'R#QRW#VPRNH#RU#DOORZ#VPRNLQJ#QHDU#IXHO#RU#WKH#WRRO#RU#ZKLOH#
XVLQJ#WKH#WRRO1#
• :LSH#XS#DOO#IXHO#VSLOOV#EHIRUH#VWDUWLQJ#HQJLQH1#
• 0RYH#DW#OHDVW#6#P#+43#IW,#DZD\#IURP#IXHOLQJ#VLWH#EHIRUH#
VWDUWLQJ#HQJLQH1#
• 6WRS#HQJLQH#EHIRUH#UHPRYLQJ#IXHO#FDS1#
• (PSW\#WKH#IXHO#WDQN#EHIRUH#VWRULQJ#WKH#WRRO1#,W#LV#
UHFRPPHQGHG#WKDW#WKH#IXHO#EH#HPSWLHG#DIWHU#HDFK#XVH1#,I#
IXHO#LV#OHIW#LQ#WKH#WDQN/#VWRUH#VR#IXHO#ZLOO#QRW#OHDN1#
• 6WRUH#WRRO#DQG#IXHO#LQ#DUHD#ZKHUH#IXHO#YDSRUV#FDQQRW#UHDFK#
VSDUNV#RU#RSHQ#IODPHV#IURP#ZDWHU#KHDWHUV/#HOHFWULF#PRWRUV#RU#
VZLWFKHV/#IXUQDFHV/#HWF1#
#
:$51,1*$#
$QWL0YLEUDWLRQ#V\VWHPV#GR#QRW#JXDUDQWHH#WKDW#\RX#ZLOO#QRW#VXVWDLQ#ZKLWH#
ILQJHU#GLVHDVH#RU#FDUSDO#WXQQHO#V\QGURPH1#7KHUHIRUH/#FRQWLQXDO#DQG#
UHJXODU#XVHUV#VKRXOG#PRQLWRU#FORVHO\#WKH#FRQGLWLRQ#RI#WKHLU#KDQGV#DQG#
ILQJHUV1#,I#DQ\#RI#WKH#DERYH#V\PSWRPV#DSSHDU/#VHHN#PHGLFDO#DGYLFH#
LPPHGLDWHO\1#
#
#
#
#
#
#
#
#
#
#
&XWWLQJ#6DIHW\#
• 'R#QRW#FXW#DQ\#PDWHULDO#RWKHU#WKDQ#JUDVV#DQG#EUXVK1#
• ,QVSHFW#WKH#DUHD#WR#EH#FXW#EHIRUH#HDFK#XVH1##5HPRYH#REMHFWV#
ZKLFK#FDQ#EH#WKURZQ#RU#EHFRPH#HQWDQJOHG1#
• )RU#UHVSLUDWRU\#SURWHFWLRQ/#ZHDU#DQ#DHURVRO#SURWHFWLRQ#PDVN#
ZKHQ#FXWWLQJ#JUDVV#DIWHU#LQVHFWLFLGHV#DUH#XVHG1#
• .HHS#RWKHUV#LQFOXGLQJ#FKLOGUHQ/#DQLPDOV/#E\VWDQGHUV#DQG#
KHOSHUV#RXWVLGH#WKH#48#P#+83IW,##KD]DUG#]RQH1#6WRS#WKH#
HQJLQH#LPPHGLDWHO\#LI#\RX#DUH#DSSURDFKHG1#
• $OZD\V#NHHS#WKH#HQJLQH#RQ#WKH#ULJKW#VLGH#RI#\RXU#ERG\1##
• +ROG#WKH#WRRO#ILUPO\#ZLWK#ERWK#KDQGV1#
• .HHS#ILUP#IRRWLQJ#DQG#EDODQFH1#'R#QRW#RYHU0UHDFK1#
• .HHS#DOO#SDUWV#RI#\RXU#ERG\#DZD\#IURP#WKH#PXIIOHU#DQG#
FXWWLQJ#DWWDFKPHQW#ZKHQ#WKH#HQJLQH#LV#UXQQLQJ1#
• .HHS#WKH#FXWWLQJ#DWWDFKPHQW#EHORZ#ZDLVW#OHYHO1#
#
0DLQWHQDQFH#6DIHW\#
• 0DLQWDLQ#WKH#WRRO#DFFRUGLQJ#WR#UHFRPPHQGHG#SURFHGXUHV1#
• 'LVFRQQHFW#WKH#VSDUN#SOXJ#EHIRUH#SHUIRUPLQJ#PDLQWHQDQFH#
H[FHSW#IRU#FDUEXUHWRU#DGMXVWPHQWV1#
• .HHS#RWKHUV#DZD\#ZKHQ#PDNLQJ#FDUEXUHWRU#DGMXVWPHQWV1#
• 8VH#RQO\#JHQXLQH#UHSODFHPHQW#SDUWV#DV#UHFRPPHQGHG#E\#WKH#
PDQXIDFWXUHU1#
#
7UDQVSRUW#DQG#VWRUDJH#
• &DUU\#WKH#WRRO#E\#KDQG#ZLWK#WKH#HQJLQH#VWRSSHG#DQG#WKH#
PXIIOHU#DZD\#IURP#\RXU#ERG\1#
• $OORZ#WKH#HQJLQH#WR#FRRO/#HPSW\#WKH#IXHO#WDQN/#DQG#VHFXUH#WKH#
WRRO#EHIRUH#VWRULQJ#RU#WUDQVSRUWLQJ#LQ#D#YHKLFOH1#
• (PSW\#WKH#IXHO#WDQN#EHIRUH#VWRULQJ#WKH#WRRO1#,W#LV#
UHFRPPHQGHG#WKDW#WKH#IXHO#EH#HPSWLHG#DIWHU#HDFK#XVH1##
,I#IXHO#LV#OHIW#LQ#WKH#WDQN/#VWRUH#VR#IXHO#ZLOO#QRW#OHDN1#
• 6WRUH#WRRO#RXW#RI#WKH#UHDFK#RI#FKLOGUHQ1#
• &OHDQ#WKH#XQLW#FDUHIXOO\#DQG#VWRUH#LW#LQ#D#GU\#SODFH1#
• 0DNH#VXUH#HQJLQH#VZLWFK#LV#RII#ZKHQ#WUDQVSRUWLQJ#RU#VWRULQJ1#
• :KHQ#WUDQVSRUWLQJ#LQ#D#YHKLFOH/#FRYHU#EODGH#ZLWK#EODGH #
FRYHU1#
#
,I#VLWXDWLRQV#RFFXU#ZKLFK#DUH#QRW#FRYHUHG#LQ#WKLV#PDQXDO/#WDNH#FDUH#DQG#
XVH#JRRG#MXGJPHQW1#&RQWDFW#\RXU#GHDOHU#LI#\RX#QHHG#DVVLVWDQFH1#
#
3D\#VSHFLDO#DWWHQWLRQ#WR#VWDWHPHQWV#SUHFHGHG#E\#WKH#IROORZLQJ#ZRUGV=#
#
:$51,1*$#
,QGLFDWHV#D#VWURQJ#SRVVLELOLW\#RI#VHYHUH#SHUVRQDO#LQMXU\#RU#ORVV#RI#OLIH/#LI#
LQVWUXFWLRQV#DUH#QRW#IROORZHG1#
#
&$87,21$#
,QGLFDWHV#D#SRVVLELOLW\#RI#SHUVRQDO#LQMXU\#RU#HTXLSPHQW#GDPDJH/#LI#
LQVWUXFWLRQV#DUH#QRW#IROORZHG1#
#
127($#
+HOSIXO#LQIRUPDWLRQ#IRU#FRUUHFW#IXQFWLRQ#DQG#XVH1