6(59,&( 7(&+ ,1)250$7,21
6(&7,21
$
7528%/(6+227,1*
0$18$/ $'9$1&( 5(*(1(5$7,21 &+(&.
7KLV FKHFN YHULILHV SURSHU RSHUDWLRQ RI WKH YDOYH
PRWRU EULQH WDQN ILOO EULQH GUDZ UHJHQHUDWLRQ
IORZ UDWHV DQG RWKHU FRQWUROOHU IXQFWLRQV
$OZD\V
PDNH WKH LQLWLDO FKHFNV DQG WKH PDQXDO LQLWLDWHG
GLDJQRVWLFV
127(6
7KH IDFHSODWH GLVSOD\ PXVW VKRZ D VWHDG\
WLPH QRW IODVKLQJ ,I DQ HUURU FRGH VKRZV ILUVW
SUHVV WKH 6(/(&7 EXWWRQ WR HQWHU WKH GLDJQRVWLF
GLVSOD\
3UHVV WKH 212))+2/' EXWWRQ DQG KROG LQ
IRU VHFRQGV
5(&+$5*(
DQG
)LOO
EHJLQ WR
IODVK RU FOHDQ EDFNZDVK EHJLQV LI VHW DV WKH
VRIWHQHU HQWHUV WKH ILOO F\FOH RI UHJHQHUDWLRQ
:KHQ ),// LV RQ VWHDG\ UHPRYH WKH EULQHZHOO
FRYHU DQG XVLQJ D IODVKOLJKW REVHUYH ILOO ZDWHU
HQWHULQJ WKH WDQN
127(
,I WKH &/($1 IHDWXUH LV VHW WR 21 D
FOHDQLQJ EDFNZDVK
&/($1
DQG
%NZVK
RU
5LQVH
IODVKHV LQ WKH GLVSOD\ DORQJ ZLWK WKH PLQXWHV RI WKH
FOHDQ F\FOH UHPDLQLQJ SUHFHGHV WKH UHFKDUJH
D
,I ZDWHU
GRHV QRW
HQWHU WKH WDQN ORRN IRU DQ RE
VWUXFWHG QR]]OH YHQWXUL ILOO IORZ SOXJ EULQH
WXELQJ RU EULQH YDOYH ULVHU SLSH
&<&/( )/2: 5$7(6 *$//216 3(5 0,1
),// IORZ WR VDOW VWRUDJH WDQN
OLWHUV
%5,1,1*
OLWHUV
%5,1( 5,16(
IORZ WR GUDLQ
OLWHUV
%$&.:$6+
IORZ WR GUDLQ OLWHUV
)$67 5,16(
OLWHUV
$IWHU REVHUYLQJ ILOO SUHVV WKH 212))+2/'
E
XWWRQ WR PRYH WKH VRIWHQHU LQWR EULQLQJ $
VORZ IORZ RI ZDWHU WR WKH GUDLQ ZLOO EHJLQ
9HULI\ EULQH GUDZ IURP WKH EULQH WDQN E\
VKLQLQJ D IODVKOLJKW LQWR WKH EULQHZHOO DQG
REVHUYLQJ D QRWLFHDEOH GURS LQ WKH OLTXLG OHYHO
127(
%H VXUH D VDOW EULGJH LV QRW SUHYHQWLQJ
ZDWHU ZLWK VDOW FRQWDFW
D
,I WKH VRIWHQHU GRHV QRW GUDZ EULQH
¡
¡
QR]]OH DQGRU YHQWXUL GLUW\ RU GHIHFWLYH
¡
QR]]OH DQG YHQWXUL QRW VHDWHG SURSHUO\ RQ
JDVNHW
¡
UHVWULFWHG GUDLQ FKHFN GUDLQ ILWWLQJ DQG
KRVH
¡
GHIHFWLYH QR]]OH DQG YHQWXUL VHDO
¡
RWKHU LQQHU YDOYH GHIHFW URWRU VHDO URWRU
GLVF ZDYH ZDVKHU HWF
127(
,I ZDWHU V\VWHP SUHVVXUH LV ORZ DQ HOHYDWHG
GUDLQ KRVH PD\ FDXVH EDFN SUHVVXUH VWRSSLQJ
EULQH GUDZ
$JDLQ SUHVV 212))+2/' WR PRYH WKH
VRIWHQHU LQWR EDFNZDVK /RRN IRU D IDVW IORZ RI
ZDWHU IURP WKH GUDLQ KRVH
D
$Q REVWUXFWHG IORZ LQGLFDWHV D SOXJJHG WRSGLV
WULEXWRU EDFNZDVK IORZ SOXJ RU GUDLQ KRVH
3UHVV 212))+2/' WR PRYH WKH VRIWHQHU
LQWR IDVW ULQVH $JDLQ ORRN IRU D IDVW GUDLQ IORZ
$OORZ WKH VRIWHQHU WR ULQVH IRU D IHZ PLQXWHV WR
IOXVK RXW DQ\ EULQH WKDW PD\ UHPDLQ LQ WKH UHVLQ
WDQN IURP WKH EULQLQJ F\FOH WHVW
7R UHWXUQ WKH VRIWHQHU WR VHUYLFH SUHVV 21
2))+2/'
%5,1( 9$/9(
)/2$7 6(77,1*
'LVWDQFH IURP WRS RI UHVLQ WDQN WR WRS RI UHVLQ EHG
)5((%2$5'
µ µ
µ
UHVLQ WDQN
UHVLQ EHG
