3DJH
1RWHV
<RXUVFDQQHUFDQDOVRGH]ZHDWKHUDOHUWWRQHZKHQDZHDWKHUFKDQQHOLVVHWDVWKHSULRULW\
FKDQQHODQGZHDWKHUSULRULW\RSHUDWLRQLVHQDEOHGVHH´3ULRULW\µ,QWKLVPRGHDOODOHUWVDUHUHFHLYHG),36
VHWWLQJVDUHLJQRUHG
7KHVFDQQHUVRXQGVDQDOHUWRUEHHSZKHQLWUHFHLYHVWKH6$0(FRGH,I\RXGRQRWVWRSWKHDOHUWRU
EHHSIRUILYHPLQXWHVWKHDOHUWVWRSVDQGWKHVFDQQHUEHHSVHYHU\WHQVHFRQGV,IWKHVFDQQHUUHFHLYHVD
QHZPHVVDJHDIWHUILYHPLQXWHVLWVRXQGVWKHDOHUWRUEHHS7RVWRSWKHVRXQGDQGUHDG\WKHVFDQQHUWR
UHFHLYHDQHZDOHUWVLJQDOEHIRUHWKHILYHPLQXWHWLPHRXWSUHVVDQ\NH\H[FHSW
/,7
,I
F
DSSHDUVDWWKHOHIWRIFKDQQHOQXPEHUWKHVFDQQHUPHPRULHV),36FRGH
3UHVV
)81&
WKHQ
:;
ZKLOH:;VFDQVWRSVWRLQLWLDWH6$0(VWDQGE\7KHVFDQQHUZLOOPRQLWRUGLVSOD\HG
ZHDWKHUFKDQQHOVWDWLRQIRUDOHUWVZLWK),36FRGHVWKDWPDWFKWKHFRGHV\RXHQWHUHGLQWKH),36HQWU\
WDEOH7RH[LW6$0(VWDQGE\SUHVV
)81&
WKHQ
:;
DJDLQ
6N\ZDUQ
0DQ\DUHDVRIWKHFRXQWU\KDYHDPDWHXUUDGLRUHSHDWHUVWKDWKDYHEHHQGHVLJQDWHGDV´6N\ZDUQµUHSHDWHUV
'XULQJWLPHVRIVHYHUHZHDWKHUWKHVHUHSHDWHUVDUHXVHGWRUHOD\UHSRUWVRIVHYHUHZHDWKHUGLUHFWO\WRPHWHRU
RORJLVWVDWDORFDO1DWLRQDO:HDWKHU6HUYLFH1:6IRUHFDVWRIILFH8VLQJWKH6N\ZDUQIHDWXUHLQ\RXUVFDQQHU
\RXFDQHDVLO\MXPSWR6N\ZDUQUHSHDWHUIUHTXHQFLHVDQGPRQLWRUWKHVHUHSRUWVLQPDQ\FDVHVKHDULQJDERXW
VHYHUHZHDWKHULQ\RXUDUHDLQVWDQWO\DVLWRFFXUV
7KLVIXQFWLRQOHWV\RXTXLFNO\PRYHWRWKHVN\ZDUQFKDQQHOV%DQN&KDQQHOIURPDQ\PRGHE\SUHVVLQJ
DQGKROGLQJ
:;
DERXWVHFRQGV7KHVFDQQHUGLVSOD\V
1RWH
7RDFWLYDWHWKLVIXQFWLRQ\RXPXVWSURJUDP\RXUGHVLUHG6N\ZDUQIUHTXHQF\LQWRWKH6N\ZDUQFKDQQHO