7528%/(6+227,1**8,'($)7(56$/(6
6(59,&(
%HIRUHFRQWDFWLQJ$IWHUVDOHV6HUYLFH
3HUIRUPDQFHSUREOHPVRIWHQUHVXOWIURPVLPSOH
WKLQJV\RXFDQILQGDQGVROYH\RXUVHOIZLWKRXWWRROV
RIDQ\NLQG
7KHDSSOLDQFHLVQRWZRUNLQJ
,VWKHSRZHUSOXJSOXJJHGLQWRDOLYHVRFNHWZLWK
WKHSURSHUYROWDJH"
+DYH\RXFKHFNHG\RXUKRPH·VIXVHV"
,IWKHUHDUHQRLVHVRUYLEUDWLRQV
0RVWRIWKHQRLVHVDUHQRUPDO+DUGVXUIDFHVOLNH
WKHIORRUZDOOVDQGFDELQHWVFDQPDNHWKHQRLVHV
VHHPORXGHU7KHIROORZLQJGHVFULEHVWKHPRVW
FRPPRQW\SHVRIQRLVHVDQGZKDWPD\EHPDNLQJ
WKHP
6OLJKWKXP
<RXPD\EHKHDULQJWKHUHIULJHUDWRUVIDQPRWRUDQG
PRYLQJDLU
&OLFNLQJQRLVHV
$FOLFNPD\EHKHDUGZKHQWKHFRPSUHVVRU
VZLWFKHVRQRIIDQGZKHQWKHGHIURVWF\FOHVWDUWV
DQGVWRSV7KLVSKHQRPHQRQLVTXLWHQRUPDO
,IWKHUHLVZDWHULQWKHGHIURVWSDQ
7KLVLVQRUPDOLQKRWGDPSZHDWKHU7KHSDQFDQ
HYHQEHKDOIIXOO0DNHVXUHWKHUHIULJHUDWRULV
OHYHOVRWKDWWKHZDWHUGRHVQRWRYHUIORZ
,IWKHHGJHVRIWKHUHIULJHUDWRUFDELQHWZKLFK
FRPHLQFRQWDFWZLWKWKHGRRUVHDODUHZDUP
WRWKHWRXFK
7KLVLVQRUPDOLQKRWZHDWKHUDQGZKHQWKH
FRPSUHVVRULVUXQQLQJ
,IWKHOLJKWGRHVQRWZRUN
+DYH\RXFKHFNHG\RXUKRPH·VIXVHV"
,VWKHSRZHUSOXJSOXJJHGLQWRDOLYHVRFNHWZLWK
WKHSURSHUYROWDJH"
+DVWKHOLJKWEXOEEXUQWRXW"
,QWKHFDVHRIEXUQWRXWEXOEV
$OZD\VXQSOXJWKHDSSOLDQFHIURPWKHPDLQV
6HHFKDSWHU´0DLQWHQDQFHDQG&OHDQLQJµ
,IWKHPRWRUVHHPVWRUXQWRRPXFK
,VWKHFRQGHQVHUIUHHRIGXVWDQGIOXII"
$UHWKHGRRUVSURSHUO\FORVHG"
$UHWKHGRRUVHDOVSURSHUO\ILWWHG"
2QKRWGD\VRULIWKHURRPLVZDUPWKHPRWRU
QDWXUDOO\UXQVORQJHU
,IWKHDSSOLDQFHGRRUKDVEHHQOHIWRSHQIRUDZKLOH
RULIODUJHDPRXQWVRIIRRGKDYHEHHQVWRUHGWKH
PRWRUZLOOUXQORQJHULQRUGHUWRFRROGRZQWKH
LQWHULRURIWKHDSSOLDQFH
5HPHPEHU
0RWRUUXQQLQJWLPHGHSHQGVRQGLIIHUHQWWKLQJV
QXPEHURIGRRURSHQLQJVDPRXQWRIIRRGVWRUHG
WHPSHUDWXUHRIWKHURRPVHWWLQJRIWKH
WHPSHUDWXUHFRQWUROV
,IDIWHUSHUIRUPLQJWKHDERYHFKHFNV\RXU
DSSOLDQFHVWLOOGRHVQRWZRUNSURSHUO\FRQWDFWWKH
$IWHUVDOHV6HUYLFHH[SODLQWKHSUREOHPVSHFLI\LQJ
WKHPRGHODQGDSSOLDQFHVHUYLFHQXPEHUVWDWHGRQ
WKHGDWDSODWH
,IWKHUHIULJHUDWRUWHPSHUDWXUHLVWRRKLJK
$UHWKHUHIULJHUDWRUFRQWUROVFRUUHFWO\VHW"
+DVDODUJHDPRXQWRIIRRGEHHQDGGHGWRWKH
UHIULJHUDWRURUIUHH]HU"
&KHFNWKDWWKHGRRUVDUHQRWRSHQHGWRRRIWHQ
&KHFNWKDWWKHGRRUVFORVHSURSHUO\
0DNHVXUHWKDWDLUIORZYHQWVLQVLGHWKH
FRPSDUWPHQWDUHQRWEORFNHGDVWKLVSUHYHQWV
WKHFLUFXODWLRQRIFROGDLU
,IWKHUHLVPRLVWXUHEXLOGXS
0DNHVXUHWKDWDLUIORZYHQWVLQVLGHWKH
FRPSDUWPHQWDUHQRWEORFNHGDVWKLVSUHYHQWV
WKHFLUFXODWLRQRIDLU
0DNHVXUHWKDWWKHIRRGLVSURSHUO\SDFNDJHG
'U\DQ\GDPSQHVVRQIRRGFRQWDLQHUVEHIRUH
SODFLQJWKHPLQWKHUHIULJHUDWRU
&KHFNWKDWWKHGRRUVDUHQRWRSHQHGWRRRIWHQ
:KHQWKHGRRULVRSHQHGKXPLGLW\IURPWKH
URRPDLUHQWHUVWKHUHIULJHUDWRU7KHPRUHRIWHQ
WKHGRRULVRSHQHGWKHIDVWHUKXPLGLW\EXLOGVXS
HVSHFLDOO\ZKHQWKHURRPLWVHOILVYHU\KXPLG
,IWKHURRPLVYHU\KXPLGLWLVQRUPDOIRU
PRLVWXUHWREXLOGXSLQVLGHWKHUHIULJHUDWRU
,WLVQRUPDOIRUGURSOHWVRIZDWHUWRIRUPRQWKH
UHDUZDOODIWHUWKHDXWRPDWLFGHIURVWF\FOH
,IWKHGRRUVGRQRWRSHQDQGFORVHSURSHUO\
&KHFNWKDWIRRGSDFNDJHVDUHQRWEORFNLQJWKH
GRRU
&KHFNWKDWWKHSDQVVKHOYHVGUDZHUVDQGLFH
PDNHUDUHDOOSRVLWLRQHGFRUUHFWO\
&KHFNWKDWWKHGRRUVHDOVDUHQRWGLUW\RUVWLFN\
(QVXUHWKHDSSOLDQFHLVOHYHO
63733126GB.fm Page 27 Tuesday, February 22, 2005 10:45 AM