Download as pdf or txt
Download as pdf or txt
You are on page 1of 17



'LQRVDXU7UDLQLQJEUHDWKLQJVTXDWV

'LQRVDXU7UDLQLQJ
$ERXW0H

6KRZLQJSRVWVZLWKODEHOEUHDWKLQJVTXDWV 6KRZDOOSRVWV

%URRNV.XELN
9LHZP\FRPSOHWH
SURILOH

6RPH%,*1HZVIRU'LQRV
+DLOWRWKH'LQRVDXUV
(DUOLHUWRGD\,VHQWDQHPDLOZKHUH,
UHIHUUHGWR3HDU\5DGHU
VRULJLQDO,URQ
0DQPDJD]LQHDVWKH+RO\*UDLORI
VWUHQJWKWUDLQLQJDQGPXVFOHEXLOGLQJ
,GRQ
WWKLQNDQ\RQHZRXOGGLVSXWHWKDW
7KHRULJLQDO,URQ0DQZDVDUHPDUNDEOH
OLWWOHPDJD]LQHZLWKWRQVRIJUHDW
DUWLFOHVWHUULILFSKRWRVDQGDVWURQJ
HGLWRULDOVODQWWRZDUGUHDOZRUOG
WUDLQLQJDVRSSRVHGWRWKH0XVFOH
%HDFKIDQWDV\VWXIIZHVDZLQVR
PDQ\RWKHUPDJD]LQHV

/DEHOV
EXLOGLQJVWUHQJWKDQGPXVFOH

IUHG

KRZHOO
GLQRVDXUPLQGSRZHU

V XFFHVV

VWRULHV
V WUHQJWKPXVFOHDQGSRZHU

LURQ

JDPHKLVWRU\
 
UHSVTXDWV 
[WUDLQLQJ 
D 
DEZRUN 
DEEUHYLDWHZRUNRXWV 
DEEUHYLDWHGWUDLQLQJ 
DEEUHYLDWHGZRUNRXWV 

,URQ0DQFRYHUHG
%UHDWKLQJVTXDWV
:HLJKWJDLQLQJGLHWV

DGYDQFHGOLIWHUV 
DODQFDOYHUW 
DODQVWHSKDQ 
DOORXWH[HUFLVHV 
DPHULFDQVWUHQJWKDQGKHDOWKOHDJXH 

:RUNRXWVIRUWKH:RUNLQJ0DQ
$UWLFOHVRQDOORIWKHJUHDW
FKDPSLRQVDQGKRZWKH\WUDLQHG
5HVW3DXVH7UDLQLQJ
,VRPHWULFWUDLQLQJ

DSROORQZKHHOV 
DUWKXUVD[RQ 
DXWRJUDSKUHTXHVWV 
DYRLGLQJDFFLGHQWV 
EDFNVSHFLDOL]DWLRQ 
EDFNWRWKHEDVLFV 
EDFNWUDLQLQJ 

,VRPHWURQLFWUDLQLQJ

EDUEHOOWUDLQLQJ 

,URQ*DPHKLVWRU\

EDVLFH[HUFLVHV 

3RZHUUDFNWUDLQLQJ
*ULSWUDLQLQJVHFUHWVIURPEDFNLQ
WKHGD\

EDUUHOOLIWLQJ 
%DVLF7UDLQLQJ 
EHJLQQHUV 
EHQFKSUHVVLQJ 
EHUQDUUPDFIDGGHQ 
ELOOKLQEHUQ 

$UWLFOHVRQEXLOGLQJ\RXURZQJ\P
HTXLSPHQWVWDUWLQJDKRPHJ\P
VHWWLQJXSDQHLJKERUKRRGJ\PRU
JHWWLQJLQWRWKHJ\PEXVLQHVV

ELOONRFLDED 

:HLJKWOLIWLQJZRUNRXWV

EREKRIIPDQ 

%RG\EXLOGLQJSURJUDPV

ELOO\YDQ 
ELUWKGD\RUGHUV 
EODFNLURQWKHMRKQGDYLVVWRU\ 
ERESHRSOHV 
ERG\EXLOGLQJ 

6SHFLDOL]DWLRQSURJUDPV

ERG\ZHLJKWH[HUFLVHV 

7KHRQHLQFKWR\RXUDUPVLQRQH
GD\SURJUDP

ERQHEURWK 

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOEUHDWKLQJVTXDWV

ERG\ZHLJKWWUDLQLQJ 
ERQHVWUHQJWK 




'LQRVDXU7UDLQLQJEUHDWKLQJVTXDWV

ERVFR 

3RZHUOLIWLQJSURJUDPV
7UDLQLQJIRUVSRUWV
1HFNEXLOGLQJH[HUFLVHV

EUDGOH\MVWHLQHU 
EUHDNLQJDSODWHDX 
EUHDWKLQJVTXDWV 
%URRNV.XELN 
%UXQR6DPPDUWLQR 

$UWKXU-RQHV
1DXWLOXVV\VWHP
$UWLFOHVE\%UDGOH\-6WHLQHU%LOO
3HDUO'RXJ+HSEXUQ$UWKXU-RQHV
5HJ3DUN7RQ\'LWLOORDQGPDQ\PRUH

EXLOGLQJPXVFOHPDVV 
EXLOGLQJVWUHQJWKDQGPXVFOH 
FDEOHWUDLQLQJ 
FDUGLRWUDLQLQJIRUOLIWHUV 
FDUOODQRUH 

$V,VDLGLWZDVWKHEHVWRIWKHEHVW

FHOODUGZHOOHUVDQGJDUDJHJRULOODV


$QGQRZKHUH
VVRPH%,*1(:6

FKDONDQGVZHDW 

0\IULHQG-RKQ:RRGKDVUHFHLYHGSHUPLVVLRQ
WRUHSURGXFHWKHFRPSOHWH\HDUUXQRIWKH
RULJLQDO,URQ0DQPDJD]LQH

FKDPSLRQVKLSOLIWLQJ 
FKDPSLRQVKLSWKLQNLQJ 
FKDUDFWHU 
FKDUOHVSROLTXLQ 

7KHGHWDLOVDUHDELWFRPSOLFDWHGDQGIRU
QRZWKH\
UHVHFUHWEXWOHWPHMXVWVD\
WKLV

&KULVWPDVRUGHUV 

<RX
UHJRQQDKDYHVRPH*5($7UHDGLQJ
DYDLODEOHLQWKHQRWWRRGLVWDQWIXWXUH

FOHYLRPDVVLPR 

6RPH5HDOO\*UHDW5HDGLQJ
+HDGRQRYHUWR-RKQ
VZHEVLWHDQGVLJQXS
IRUKLVGDLO\HPDLOVVR\RXJHWWKHQHZV
GLUHFWO\IURPKLPDVVRRQDVHYHU\WKLQJ
LVUHDG\
KWWSZZZROGWLPHVWURQJPDQFRP
7HOOKLP,VHQW\RXDQGWHOOKLP\RXFDQ
W
ZDLWWRVHHZKDW
VFRPLQJ
<RXUVLQVWUHQJWK

&KULVWPDVVWRU\ 
FODUHQFHEDVV 
FROGZHDWKHUWUDLQLQJWLSV 
FRPEDWWUDLQLQJ 
FRPPRQVHQVHWUDLQLQJ 
FRPSRXQGH[HUFLVHV 
FRQFHQWUDWLRQ 
FRQGLWLRQLQJZRUNRXWV 
FRQILGHQFH 
FRQVLVWHQF\ 
FRUHWUDLQLQJ 
FRXUDJH 
FXUOV 
G 
GDYHGUDSHU
VWRSVTXDW 

%URRNV.XELN

GDYHSURZVH 

GHHSEUHDWKLQJ 

3RVWHGE\%URRNV.XELNDW30
/DEHOVEUHDWKLQJVTXDWV,URQ0DQMRKQZRRGROGVFKRROWUDLQLQJROGWLPHVWURQJPHQ
3HDU\5DGHU

&DQ<RX&RPELQH[DQG["
+DLOWRWKH'LQRVDXUV
2QHRIRXUUHDGHUVDVNHGWKHIROORZLQJ
TXHVWLRQ
,OLNHWKHLGHDRIPL[LQJXSVHWUHS
VFKHPHVLQDOWHUQDWLQJZRUNRXWVEXW
[DQGDUHERWKORZUHSSRZHU
V\VWHPV
:KDWGR\RXWKLQNRIXVLQJYHU\GLIIHUHQW
VHWUHSVFKHPHVVD\[DOWHUQDWHG
ZLWK["
,DVVXPHKHPHDQVXVLQJ[IRUVTXDWV
RUSRVVLEO\GHDGOLIWVDVWKRVHDUHWKH
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOEUHDWKLQJVTXDWV

GHDGOLIWV 
GHOOLQJHUILOHV 
GLHWDQGQXWULWLRQWLSV 
GLIIHUHQWZD\VWRXVHDEDUEHOO 
GLQJVDQGGHQWV 
GLQRFDUGLR 
GLQRILOHV 
GLQRQHZV 
GLQRQXWULWLRQ 
GLQRXSGDWHV 
GLQRVKHOSGLQRV 
GLQRVDXUDUPWUDLQLQJ 
GLQRVDXUERG\ZHLJKWWUDLQLQJ 
GLQRVDXUEUHDNIDVWV 
GLQRVDXUFKDOOHQJH 
GLQRVDXUGLHW 
GLQRVDXUGXPEEHOOWUDLQLQJ 
GLQRVDXUGYG
V 
GLQRVDXUHERRNV 




'LQRVDXU7UDLQLQJEUHDWKLQJVTXDWV

VWDQGDUGH[HUFLVHVIRU[6R\RX
ZRXOGGR[LQVTXDWLQRQHZRUNRXW
DQG[LQVTXDWLQ\RXUQH[WVTXDW
ZRUNRXW2UWKHVDPHLQWKHGHDGOLIW
[LQRQHGHDGOLIWZRUNRXWDQG[
WKHQH[WWLPH\RXGRWKHP

GLQRVDXUH[HUFLVHV 
GLQRVDXUIHHGEDFN 
'LQRVDXU)LOHV 
GLQRVDXUILOHVQHZVOHWWHU 
GLQRVDXUILOHVTXDUWHUO\ 
GLQRVDXUJDUGHQLQJ 

+HUH
VP\WDNHRQLW
,WKLQN[UHTXLUHVRQHSDUWLFXODU
PHQWDODSSURDFKWRWUDLQLQJDQG,
WKLQNWKDW[UHTXLUHVDGLIIHUHQW
PHQWDODSSURDFK
,DOVRWKLQNWKH\VWUHVVWKHERG\LQ
VLJQLILFDQWO\GLIIHUHQWZD\V

GLQRVDXUJ\PV 
GLQRVDXUPHDOV 
GLQRVDXUPLQGSRZHU 
GLQRVDXUPXVFOHVKLUWV 
GLQRVDXUQHZV 
GLQRVDXUQXWULWLRQ 
GLQRVDXUSRGFDVWV 
GLQRVDXUSURGXFWV 

6R,SUHIHUDSURJUDPZKHUH\RXIRFXV
RQPXOWLSOHVHWVRIORZUHSVE\GRLQJ
[RURUIRU\RXU
ZRUNLQJVHWVDQGLI\RXZDQWWRWU\
[LQVTXDWVRUGHDGOLIWVGRWKHP
LQDGLIIHUHQWWUDLQLQJF\FOH

GLQRVDXUUHFLSHV 

,QRWKHUZRUGVIRFXVRQRQHWKLQJDW
DWLPH(,7+(5PXOWLSOHVHWVRIORZ
UHSV25[

GLQRVDXUWUDLQLQJHERRN 

1RZVRPHSHRSOHDUHGLIIHUHQW7KH\OLNH
PRUHYDULHW\DQGWKH\PD\GRILQHRQ
DSURJUDPWKDWPL[HVXSWKHVHWVDQGUHSV
PRUHWKDQ,OLNHWRGR

GLQRVDXUWUDLQLQJSURGXFWV 

%XWKHUH
VDQRWKHUYHU\LPSRUWDQWSRLQW
WRFRQVLGHU
[LQWKHVTXDWRQGHDGOLIWSXWVVRPH
VHULRXVVWUHVVRQ\RXUOHJVDQGORZHUEDFN
7KDWPHDQVWKDWUHFRYHU\WLPHLVYHU\
LPSRUWDQW

GLQRVDXUVHPLQDUV 
GLQRVDXUVWUHQJWKWUDLQLQJDUFKLYH 
GLQRVDXUWVKLUWV 
'LQRVDXU7UDLQLQJ 
GLQRVDXUWUDLQLQJGYG
V 
GLQRVDXUWUDLQLQJHERRNV 
GLQRVDXUWUDLQLQJKRRGLHV 
GLQRVDXUWUDLQLQJSURJUDPV 
GLQRVDXUWUDLQLQJVHFUHWV 
GLQRVDXUWUDLQLQJVHPLQDUV 
GLQRVDXUWUDLQLQJXSGDWHV 
GLQRVDXUXSGDWHV 
GLQRVDXUZRUNRXWV 
GLQRVDXWWVKLUWV 
GLYLGHGZRUNRXWV 
GRXJKHSEXUQ 
GUNHQ 
GUNHQOHLVWQHU 

,I\RXWUDLQ[LQWKHVTXDWDQG\RX
DUHQRWIXOO\UHFRYHUHGWKHQH[WWLPH\RX
WUDLQ\RX
UHJRLQJWRDGYHUVHO\DIIHFW
HYHU\H[HUFLVHWKDWLQYROYHVWKHOHJVDQG
ORZHUEDFN

GUXJIUHHWUDLQLQJ 

7KDWZRXOGLQFOXGHDQ\W\SHRI2O\PSLF
OLIWLQJRUUHODWHGSXOOV

HGMXELQYLOOH 

%HQWRYHUURZLQJ
3UHVVHV EHFDXVHWKHORZHUEDFNVWDELOL]HV
\RXUWRUVRZKHQ\RXSUHVV 
$QGHYHQKHDY\EDUEHOOFXUOV IRUWKHVDPH
UHDVRQDVSUHVVHV 

GXPEEHOOH[HUFLVHV 
GXPEEHOOSUHVVHV 
GXPEEHOOWUDLQLQJ 
GXPEEHOOZRUNRXWV 
HQMR\\RXUWUDLQLQJ 
HQWKXVLDVP 
HULFILRULOOR 
H\HKHDOWK 
IDUPHU
VZDON 
)DWKHU/DQJH 
)DWKHU
V'D\ 
IDYRULWHH[HUFLVHV 

,WDOVRPHDQVWKDWWKHGHDGOLIWZLOODIIHFW
WKHVTXDWDQGYLFHYHUVDZKLFKPDNHVLW
YHU\KDUGWRGR[RQERWKPRYHPHQWV
LQRQHSURJUDP

IHDWVRIVWUHQJWK 

7KLVLVRQHRIWKHUHDVRQVZK\WKHFODVVLF
[EUHDWKLQJVTXDWV\VWHPKDV\RXJR
KDUGDQGKHDY\RQVTXDWVDQGGRMXVWD

IRFXV 

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOEUHDWKLQJVTXDWV

IHHGEDFNIURPGLQRVDXUV 
ILQLVKHUV 
IOH[LELOLW\ 
IRRGVXSSOHPHQWV 
IRUHDUPH[HUFLVHV 




'LQRVDXU7UDLQLQJEUHDWKLQJVTXDWV

FRXSOHRIRWKHUDX[LOLDU\PRYHPHQWVZKHUH
\RXJROLJKWHUDQGHDVLHU
7KHUHFRYHU\LVVXHLVSDUWLFXODUO\LPSRUWDQW
IRUROGHUWUDLQHHVZKHUHUHFRYHU\DQG
UHFXSHUDWLRQDUHDOZD\VFULWLFDO
,I\RX'2WU\[DOWHUQDWHGZLWK[
GRLWZLWKVTXDWVRQO\DQGGRVTXDWVRQFH
DZHHNDQGGR[RQHZHHNDQG[WKH
QH[W

IUDQNOHLJKW 
IUDQNVSHOOPDQ 
IUHHUDQJHHJJV 
IUHVKYHJHWDEOHV 
JDLQLQJZHLJKW 
JDUGHQLQJ 
JHRUJHHLIHUPDQ 
JHRUJHIMRZHWW 
JHRUJHKDFNHQVKPLGW 
JHWWLQJVWDUWHG 

$QGIRUJRVKVDNHEUHDNLQWR[VPDUW
DQGVORZ'RQ
WPDNH\RXUILUVWZRUNRXWD
GHDWKPDUFK6WDUWOLJKWDQGEXLOGXS<RX
QHHGWLPHDQGSUDFWLFHIRU\RXUERG\WR
DGMXVWWRWKHKLJKHUUHSV

JRDOVHWWLQJ 

6R,KRSHWKDWDQVZHUVWKHTXHVWLRQ

JULSH[HUFLVHV 

$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHD
JUHDWGD\,I\RXWUDLQWRGD\PDNHLWD
JRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN
36+HUH
VDJUHDWFRXUVHIRUEXLOGLQJ
VWUHQJWKDQGPXVFOHPDVVWKHROGVFKRRO
ZD\
KWWSZZZEURRNVNXELNFRPGRXJBKHSEXUQKWPO
360\RWKHUERRNVDQGFRXUVHVDUH
ULJKWKHUH
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
367KRXJKWIRUWKH'D\)RFXVRQ
RQHWKLQJDWDWLPH0DVWHULWDQGWKHQ
PRYHRQWRWKHQH[WFKDOOHQJH%URRNV
.XELN
3RVWHGE\%URRNV.XELNDW$0
/DEHOVUHSVTXDWV[WUDLQLQJEUHDWKLQJVTXDWVGLQRVDXUZRUNRXWVUHDOZRUOG
WUDLQLQJVHWVDQGUHSV

JRLQJVWURQJDW 
JUDFLHEDUG 
JUDVVIHGPHDW 
JUD\KDLUDQGEODFNLURQ 
JULSH[HUFLVHVGLQRVDXUH[HUFLVHV 
JULSWUDLQLQJ 
JURXQGEDVHGWUDLQLQJ 
JXWZRUN 
KDQGEDODQFLQJ 
KDQGVWDQGSXVKXSV 
KDUGZRUN 
KDUGJDLQHUV 
KDUU\JRRG 
KDUU\SDVFKDOO 
KDUU\SDVFKDOOPHPRULDOIXQG 
KHDOWK\HDWLQJ 
KHDOWK\MRLQWV 
KHDOWK\NLGV 
KHDY\DZNZDUGREMHFWV 
KHDY\LURQ 
KHDY\SDUWLDOV 
KHDY\VLQJOHV 
KHOSLQJRWKHUV 
KHQU\ZKLWWHQEHUJ 
KHQU\ZLWWHQEHUJ 
KHUPDQJRHUQHU 
KLJKLQWHQVLW\WUDLQLQJ 

7KH0\VWHULRXV+LVH6KUXJ

KLNLQJ 

+DLOWRWKH'LQRVDXUV

KRPHJ\PHTXLSPHQW 

$UHDGHUDVNHGPHKRZWRSHUIRUPWKH
+LVH6KUXJ

KRQHVWZHLJKWV 

,WZDVWKHUGWLPHVRPHRQHKDV
DVNHGPHWKDWTXHVWLRQ DQG\HV,NHHS
WUDFNRIDOOTXHVWLRQVIURPUHDGHUV 
6RZLWKWKDWPDQ\UHDGHUVZRQGHULQJ
DERXWLW,WKRXJKW,
GFRYHULWLQD
SRVW
7KH+LVH6KUXJZDVLQYHQWHGE\\RX
JXHVVHGLW-RVHSK&XUWLV+LVHWKH
PDQZKRPDGHWKHELJJDLQVRQWKH
EUHDWKLQJVTXDWSURJUDPEDFNLQWKH
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOEUHDWKLQJVTXDWV

KROLGD\JUHHWLQJV 
KRPHJ\PWUDLQLQJ 
+RUDWLXV 
KRWZHDWKHUWUDLQLQJWLSV 
KRZWRXVHDEDUEHOO 
KXQWLQJ 
KXUULFDQHVDQG\ 
LQGLDQFOXEV 
LQMXULHV 
LQWHUPHGLDWHV 
LQWURYHUWVDQGH[WURYHUWV 
LURQJDPHKLVWRU\ 
LURQOHDJXH 
,URQ0DQ 




'LQRVDXU7UDLQLQJEUHDWKLQJVTXDWV

GD\ZKLFKZHUHUHSRUWHGE\0DUN
%HUU\LQ6WUHQJWKPDJD]LQHDQG
ZKLFKSUHWW\PXFKWXUQHGWKHOLIWLQJ
ZRUOGLQWRDEXQFKRIVTXDW
IDQDWLFV

LUUHJXODUWUDLQLQJ 
LVRPHWULFV 
LVRPHWURQLFV 
MDFNODODQQH 
MLPSDUN 

,PDJLQHWKDWDZRUOGRIVTXDW
IDQDWLFV1RWFXUOIDQDWLFV6TXDW
IDQDWLFV7LPHVKDYHFKDQJHGKDYHQ
W
WKH\"

MLPVFKPLW] 

$Q\KRZWKH+LVHVKUXJLVDKHDY\
VKUXJSHUIRUPHGZLWKWKHEDUEHOORQ
WKHXSSHUEDFNDQGVKRXOGHUVMXVW
WKHVDPHDVLI\RXZHUHJRLQJWR
SHUIRUPDVHWRIVTXDWV

MRKQJULPHN 

<RXJHWVHWIRFXVDQGWDNHDKXJH
GHHSEUHDWK)LOO\RXUOXQJVWRWKH
PD[DQGDV\RXGR\RXSHUIRUPD
VKRXOGHUVKUXJ

NGLQRVDXUGLQRVDXUWUDLQLQJ 

,QRWKHUZRUGVLW
VDFRPELQDWLRQ
RIKXJHGHHSEUHDWKDQGVKRXOGHU
VKUXJ7KHLGHDLVWROLIWWKHEDU
ZLWKDFRPELQDWLRQRIOXQJSRZHU
DQGWUDSSRZHU

NLPZRRG 

3DXVHLQWKHWRSSRVLWLRQORZHUVORZO\
DQGXQGHUFRQWUROSDXVHDQGUHSHDW

OHJDQGEDFNWUDLQLQJ 

%UHDWKHRXWDV\RXORZHUWKHEDU
,W
VDVKRUWPRYHPHQWRQHDFKUHS
MXVWDQLQFKRUWZR7KHUHDOLGHDLV
WRZRUN\RXUEUHDWKLQJPXVFOHVDJDLQVW
KHDY\ZHLJKWUHVLVWDQFH
<RXFDQGRVHWVRIWRUHSVIRUVXSHU
VWUHQJWKRUVHWVRIWRUHSVIRU
ZHLJKWJDLQLQJ

MRHKLVH 
MRHNLQQH\ 
MRKQGDYLV 
MRKQJULPHNFRXUVH 
MRKQJUXQPDU[ 
MRKQZRRG 
MXOHVEDFRQ 
NHQWXFN\GHUE\ 
NHWWOHEHOOV 
NHYLQWROEHUW 
NQLIHIRUNPXVFOH 
NRFLDEDILWQHVV 
ODJJLQJERG\SDUWV 
OD\RIIV 
OHJVSHFLDOL]DWLRQ 
/HJDF\RI,URQ 
OHJDF\RILURQVHULHV 
OHYHUEDUV 
OLIHORQJVWUHQJWKDQGKHDOWK 
OLIWLQJEHOWV 
OLIWLQJVKRHV 
OLJKWGD\V 
ORFDOIRRG 
ORJEDUV 
ORQJEHDFK 

2QHZRUGRIFDXWLRQGRWKHVHLQDSRZHU
UDFNZLWKWKHSLQVVHWWRFDWFKWKHEDU
DWWKHHQGRIWKHVHW+LVHVKUXJVDUHOLNH
TXDUWHUVTXDWV7KHUH
VWRRPXFKZHLJKWRQ
WKHEDUWRGRWKHPVDIHO\XQOHVV\RXXVHD
SRZHUUDFN
$IWHUHDFKVHWRIVKUXJVGRDVHWRI
WRUHSVLQWKHEUHDWKLQJSXOORYHUZLWK
YHU\OLJKWZHLJKWVQRPRUHWKDQRU
SRXQGGXPEEHOOV

ORZUHSWUDLQLQJ 
OXJJLQJDQGORDGLQJGULOOV 
PDOZKLWILHOG 
PDUNEHUU\ 
PDVWHUWKHZHLJKW 
PDVWHUVZHLJKWOLIWLQJ 
PD[LFN 
PHDVXUHPHQWV 
PHDVXULQJ\RXUVWUHQJWK 
PHQWDODVSHFWV 

+LVHVKUXJVDUHD*5($7H[HUFLVHDQGD
JUHDWZD\WRZRUNWKHEUHDWKLQJPXVFOHV
ZKLFKDUHPRUHRUOHVVQHJOHFWHGLQPRVW
WUDLQLQJSURJUDPV

PLGVHFWLRQWUDLQLQJ 

*LYHWKHPDWU\DQGVHHZKDWWKH\GRIRU\RX

PLOLWDU\WUDLQLQJ 

<RXUVLQVWUHQJWK
%URRNV.XELN
36)RUPRUHJUHDWVHFUHWVRIROGVFKRRO
VWUHQJWKWUDLQLQJDQGPXVFOHEXLOGLQJJUDE
WKHVHFODVVLFV
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOEUHDWKLQJVTXDWV

PLNHULQDOGL 
PLOLWDU\SUHVVFRXUVH 
PLOLWDU\SUHVVLQJ 
PLOREDUEHOOFRXUVHV 
PLORVWHLQERUQ 
PLQGPXVFOHOLQN 
PLQHUDOV 
PRELOLW\ 




'LQRVDXU7UDLQLQJEUHDWKLQJVTXDWV

PRELOLW\WUDLQLQJ 

'LQRVDXU7UDLQLQJ/RVW6HFUHWVRI6WUHQJWK
DQG'HYHORSPHQW

PRWLYDWLRQ 

KWWSZZZEURRNVNXELNFRPGLQRVDXUBWUDLQLQJKWPO

P\QHZERRN 

6WUHQJWK0XVFOHDQG3RZHU

P\<RXWXEHFKDQQHO 

KWWSZZZEURRNVNXELNFRPVWUHQJWKBPXVFOHBSRZHUKWPO

PRWLYDWLRQDQGPXVFOHSRGFDVW 
P\QHZGLHWDQGQXWULWLRQERRN 
QDWXUDOIRRGV 
QDXWLOXVPDFKLQHV 

*UD\+DLUDQG%ODFN,URQ

QDXWLOXVWUDLQLQJ 

KWWSZZZEURRNVNXELNFRPJUD\KDLUBEODFNLURQKWPO

QHZERRN 

360\RWKHUERRNVDQGFRXUVHVDUHULJKW
KHUH
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
367KRXJKWIRUWKH'D\%UHDWKLQJH[HUFLVHV
ZRUNEHVWZLWKDEDUEHOORQ\RXUVKRXOGHUV
%URRNV.XELN

3RVWHGE\%URRNV.XELNDW$0
/DEHOVEUHDWKLQJVTXDWVEXLOGLQJVWUHQJWKDQGPXVFOHGHHSEUHDWKLQJROGVFKRRO
VWURQJPHQROGVFKRROWUDLQLQJWKHKLVHVKUXJ

QHFNWUDLQLQJ 
QHZGLQRVDXUWUDLQLQJFRXUVH 
QHZGLQRVDXUWUDLQLQJFRXUVHGLQRVDXU
WUDLQLQJVHFUHWV 
QHZH[HUFLVHV 
QRUEVFKHPDQVN\ 
QRWKLQJEXWVTXDWV 
ROGLURQ 
ROGVFKRROJ\PV 
ROGVFKRROVWURQJPHQ 
ROGVFKRROWUDLQLQJSURJUDPV 

7KUHH*UHDW([HUFLVHVIRU6WUHQJWKDQG9LWDOLW\

ROGWLPHVWURQJPHQ 

+DLOWRWKH'LQRVDXUV

ROGVFKRROVWURQJPHQ 

<HVWHUGD\ZHWDONHGDERXWWKH7
WKLQJDQG,VXJJHVWHGWKDWGLHW
DQGH[HUFLVHDUHWKHPRVWLPSRUWDQW
IDFWRUVLQPDLQWDLQLQJKLJKOHYHOV
WKURXJKRXW\RXUHQWLUHOLIH

ROGWLPHVWURQJPHQ 

1RWSLOOV

RUJDQLFIRRG 

1RWFUHDPV

ROGVFKRROH[HUFLVHV 
ROGVFKRROWUDLQLQJ 
RO\PSLFJDPHV 
2O\PSLFOLIWLQJ 
2O\PSLFZHLJKWOLIWLQJ 
RQHH[HUFLVHZRUNRXWV 
RUJDQLFKHDOWK 
RXWGRRUWUDLQLQJ 

1RWVKRWV

SDXODQGHUVRQ 

1RWKLQJ\RXJHWLQDERWWOHDMDU
RUDWXEH

SDXVHUHSV 

1RWKLQJ\RXJHWIURP\RXUGRFWRU
1RLW
VVRPHWKLQJHQWLUHO\GLIIHUHQW
6RPHWKLQJ\RXJHWE\SXWWLQJRQ\RXU
VZHDWVSXOOLQJRQ\RXUOLIWLQJVKRHV
ZDONLQJRXWLQWRWKHJDUDJHRUWKH
EDVHPHQW RULQWRWKHJ\P DQG
JUDEELQJDQGOLIWLQJVRPHKHDY\
LURQ
,W
VFDOOHGH[HUFLVH
$QGZKHQLW
VWKHULJKWNLQGRIH[HUFLVH
LWPDNHVDOOWKHGLIIHUHQFHLQWKHZRUOG
<HVWHUGD\,JDYH\RXVRPHVXJJHVWLRQV
RQJRRGH[HUFLVHVDQGRQVHWVDQG
UHSVWRJHW\RXUERG\SURGXFLQJDV
PXFKPDOHKRUPRQHDVSRVVLEOH
+HUHDUHVRPHPRUHLGHDV
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOEUHDWKLQJVTXDWV

SDXOEUDJJ 
3HDU\5DGHU 
SHRSOH,DGPLUH 
SHUFHQWDJHV 
SHUIHFWIRUP 
SHUVLVWHQFH 
SHWHJHRUJH 
3+$WUDLQLQJ 
SK\VLFDOFXOWXUHUDGLR 
SRVWXUH 
SRXQGDJHJRDOV 
SRXQGDJHSURJUHVVLRQ 
SRZHUIRRGV 
SRZHUUDFNWUDLQLQJ 
SUHFLVLRQ 
SUHYHQWLQJLQMXULHV 
SURJHVVLRQ 
SURJUHVVLRQ 
SURWHLQ 
SURWHLQGULQNV 
SURWHLQSRZGHU 




'LQRVDXU7UDLQLQJEUHDWKLQJVTXDWV

SXVKSUHVVHV 

7KHIDUPHU
VZDON
+DUGWREHDWIRUFRPELQHGOHJDQGEDFN
WUDLQLQJDQGIRUJHWWLQJ\RXEUHDWKLQJ
KDUGDQGKHDY\

TXDOLW\WUDLQLQJ 
TXHVWLRQVDQGDQVZHUV 
TXHVWLRQVIRUGLQRV 
TXL]WLPH 
UHDOIRRG 

*RDVIDUDV\RXFDQUHVWDQGUHSHDW
5HVWDELWWKHQGRLWDJDLQ
'LVWDQFHYDULHVGHSHQGLQJRQKRZKHDY\
\RXJR'RQ
WZRUU\DERXWGRLQJLW
ULJKW,W
VDOOJRRG
7KH+LVHVKUXJ

UHDOZRUOGWUDLQLQJ 
UHFRUGLQJ\RXUZRUNRXWV 
UHFRYHU\ 
UHJSDUN 
UHVWEHWZHHQVHWV 
UHVWEHWZHHQZRUNRXWV 
UHVWSDXVHWUDLQLQJ 
URZLQJ 

7KLVLVWKHROG-RH+LVHVKUXJZLWKWKH
EDUSRVLLWRQHGDVLI\RXZHUHJRLQJWR
GRDVHWRIVTXDWV2QFHDJDLQDJUHDW
H[HUFLVHIRUWKHOHJVDQGKLSVDQGEDFN
DQGRQHRIWKHYHU\EHVWIRUWKHEUHDWKLQJ
PXVFOHV

V 

7KHFODVVLFLV[RU[7KUHHWLPHV
ILYHRUWHQZRUNVZHOOIRUPDMRUVWUHQJWK
JDLQV

VHWVDQGUHSV 

5HPHPEHUWREUHDWKH'((3RQHDFKUHS/LIW
WKHFKHVWDQGWKHULEFDJHDVKLJKDVSRVVLEOH

VLJNOHLQ 

VDIHW\WLSV 
6DQGEDJ7UDLQLQJ 
VDUDKUREOHV 
VHFUHWZHDSRQ 
VHOIGHIHQVHWUDLQLQJ 
VKRXOGHUKHDOWK 
VKRXOGHUWUDLQLQJ 
VLPSOHF\FOLQJV\VWHPV 
VLQJOHUHSWUDLQLQJ 

$QGRIFRXUVHGRWKHVHLQDSRZHUUDFN
VLQFH\RX
OOEHVXSSRUWLQJDVXSHUKHDY\
ZHLJKW

VPDUWWUDLQLQJ 

+LJKSXOOV

VSHHGWUDLQLQJ 

VRUHQHVV 
VSHFLDOERQXVHV 
VSHHGZULWLQJFKDOOHQJHV 

'RWKHVHIRUVHWVRIILYHRUVHWVRIWKUHH
6WDUWOLJKWDQGZRUNXSDGGLQJZHLJKWRQ
HDFKVHW

VSOLWVW\OHOLIWV 

<RXFDQXVHDVQDWFKJULSRUDFOHDQJULS

VWD\LQJDFWLYH 

VTXDWV 
VWDQGRQ\RXUIHHWVWUHQJWK 
VWHYHUHHYHV 

7KHVHZRUNWKHEDFNDQGKLSVVXSHUKDUG
DQGWKH\DOVRJHW\RXEUHDWKLQJOLNHD
UXQDZD\ORFRPRWLYHDOORIZKLFKLV
YHU\JRRGIRU\RX

VWHYHVWDQNR 

%\WKHZD\QRWHWKDWDOOWKUHHH[HUFLVHV
PHQWLRQHGLQWKLVPHVVDJHZRUNWKHWUDSV
H[WUHPHO\KDUG7KHWUDSVDUHD%,*PXVFOH
DQGWKH\QHHGDORWRIZRUNDQGZKHQ\RX
EXLOGWKHPWKH\KHOSPDNH\RXVWURQJOLNH
DEXOO7KHUH
VDOLQNEHWZHHQELJWUDSV
DQGVXSHUYLWDOLW\*HRUJH-RZHWWXVHGWR
ZULWHDERXWWKLVEDFNLQWKHGD\DQGDV
DOZD\VKHZDVULJKWRQWKHPRQH\

VWUHQJWKDQGEXONWUDLQLQJ 

6RZKHQ\RXWUDLQWKLQNOHJVKLSVDQG
EDFNDQGVKRXOGHUVDQGWUDSVDQG
ZRUNWKHPKDUG

VWUHQJWKWUDLQLQJIRUZUHVWOHUV 

$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHD
JUHDWGD\,I\RXWUDLQWRGD\PDNHLWD
JRRGRQH
<RXUVLQVWUHQJWK
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOEUHDWKLQJVTXDWV

VWLFNLQJSRLQWV 
VWRQHOLIWLQJ 
VWUHQJWK 
6WUHQJWKDQG+HDOWK 
VWUHQJWKDUFKLYH 
VWUHQJWKPXVFOHDQGSRZHU 
VWUHQJWKWUDLQLQJIRUDWKOHWHV 
VWUHQJWKWUDLQLQJIRUNLGV 
VWUHQJWKWUDLQLQJIRUPDUWLDODUWV 
VWUHQJWKWUDLQLQJIRUWHHQDJHUV 
VWUHWFKLQJ 
VXFFHVVKDELW 
VXFFHVVVWRULHV 
VXSHUKXPDQUDGLR 
VXSHUKXPDQUDGLR 
VXSSOHPHQWV 
VZHDWVKLUWV 




'LQRVDXU7UDLQLQJEUHDWKLQJVTXDWV

%URRNV.XELN
36<RXFDQKLW\RXUEDFNPXVFOHVLQFOXGLQJ
\RXUWUDSVYHU\HIIHFWLYHO\ZLWKWKHROG
VFKRROH[HUFLVHVLQ'LQRVDXU'XPEEHOO
7UDLQLQJ
KWWSEURRNVNXELNFRPGLQRVDXUBGXPEEHOOWUDLQLQJKWPO
360\RWKHUERRNVDQGFRXUVHVDUHULJKW
KHUH
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
367KRXJKWIRUWKH'D\6SHFLDOL]HRQ
\RXUOHJVKLSVDQGEDFNDQGRQ\RXUWUDSV
DQGRQ\RXUVKRXOGHUV)RFXV\RXUHIIRUWVZKHUH
\RXUWUDLQLQJGRHV\RXWKHPRVWJRRG
%URRNV.XELN

3RVWHGE\%URRNV.XELNDW$0
/DEHOVEUHDWKLQJVTXDWVGHHSEUHDWKLQJGLQRVDXUH[HUFLVHVIDUPHU
VZDONOLIHORQJ
VWUHQJWKDQGKHDOWKWKHKLVHVKUXJWKHKLVHVTXDWWUDLQLQJIRUROGHUOLIWHUV

$3URJUHVV5HSRUWIRU*ULPHNIDQV
+DLOWRWKH'LQRVDXUV

WHQGRQDQGOLJDPHQWVWUHQJWK 
WKHEHVWH[HUFLVHV 
WKHGLQRVDXUGXQJHRQ 
WKHIDUPHU
VPDUNHW 
WKHJRRGEURWKHUV 
WKHKLVHVKUXJ 
WKHKLVHVTXDW 
WKHLURQOHDJXH 
WKHLURQZLOOWRVXFFHHG 
WKHPDVNHGPDQ
VFKULVWPDV 
WKHQLJKWEHIRUHFKULVWPDV GLQR
YHUVLRQ  
WKHVWHHOWLS 
WKHVWURQJPDQ
VFKULVWPDV 
7KH8QOLIWDEOH'XPEEHOO 
WKLFNEDUV 
WKRPDVLQFK 
WRPP\NRQR 
WRPP\NRQRNQHHEDQGV 
WRQ\WHUOD]]R 
WRSOLVWV 
WRWDOERG\ZRUNRXWV 
WUDLQLQJF\FOHV 

,
OOVHQGDQHPDLOODWHUWRGD\ZLWKDWUDLQLQJ
WLSEXWIRUULJKWQRZ,QHHGWRXSGDWH\RX
RQP\QHZWUDLQLQJFRXUVHFRYHULQJ-RKQ*ULPHN
V
OLIHOLIWLQJDQGWUDLQLQJ

WUDLQLQJIRUROGHUOLIWHUV 

7KHFRXUVHLVFRPLQJDORQJ5($//<)$67DQGLW
V
JRLQJWREH5($//<*22'

WUDLQLQJMRXUQDOV 

WUDLQLQJIRUVSRUWV 
WUDLQLQJIRUZRPHQ 
WUDLQLQJIUHTXHQF\ 
WUDLQLQJSURJUDPVIRUPDUWLDODUWLVWV 
WUDLQLQJSURJUDPVIRUZRPHQ 

,
PGRLQJWRQVDQGWRQVRIUHVHDUFKIRULWDQG
,
PILQGLQJVRPHYHU\LQWHUHVWLQJPDWHULDO

WUDLQLQJSURJUDPVIRUZUHVWOHUV 

2QHWKLQJWKDWFRPHVWKURXJKORXGDQGFOHDULV
WKLV-RKQ*ULPHNZDVQRQDWXUDOVXSHUPDQ+H
VWDUWHGWUDLQLQJDWDJHDQGKHZHLJKHGDOO
RISRXQGVVRDNLQJZHW$WWKHWLPHKHFRXOG
RQO\OLIWSRXQGVRYHUKHDG

WUDSEDUWUDLQLQJ 

,QFRQWUDVW-RKQ'DYLVSUHVVHGSRXQGVWKH
ILUVWWLPHKHHYHUWRXFKHGDEDUEHOODQGKH
ZDVRQO\DWWKHWLPH

XQOLIWDEOHGXPEEHOO 

$QRWKHUVWULNLQJWKLQJLVKRZPXFK0,6LQIRUPDWLRQ
WKHUHLVDERXW*ULPHN
VWUDLQLQJ)RUH[DPSOH
PDQ\SHRSOHVD\WKDW*ULPHNEXLOWKLPVHOIXSRQ
0DUN%HUU\
VEUHDWKLQJVTXDWSURJUDP7UXHRU
IDOVH"
:HOOLW
VVRUWRIWUXHEXWLW
VDOVRVRUWRI
IDOVH
2UWU\WKLV%RE+RIIPDQDOZD\VVDLGWKDW*ULPHN
XVHG7KH([HUFLVHVWREXLOGKLVUHPDUNDEOH
SK\VLTXH7UXHRUIDOVH"
2QFHDJDLQWKHDQVZHULVDOLWWOHRIERWK
6RPHDUWLFOHVVWDWHWKDW*ULPHNWUDLQHGHYHU\
GD\DQGVRPHVD\WKDWKHWUDLQHGWKUHHWLPHV
DGD\7UXHRUIDOVH"
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOEUHDWKLQJVTXDWV

WUDLQLQJTXHVWLRQV 
WUDSEDUV 
WULDODQGHUURU 
WZLFHSHUZHHNZRUNRXWV 
XOWUDDEEUHYLDWHGWUDLQLQJ 
XSGDWHV 
YLQFHJLURQGD 
YLVXDOL]DWLRQ 
YLWDPLQV 
ZDONLQJ 
ZDUPXSVHWV 
ZDUPLQJXS 
ZHLJKWSURJUHVVLRQ 
ZHLJKWOLIWLQJDQGEORRGSUHVVXUH 
ZKDWPDNHVDGLQRVDXU" 
ZLOOZHLJKWWUDLQLQJNLOO\RX" 
ZLOOLDPERRQH 
ZLOOSRZHU 
ZRUGRIWKHGD\ 
ZRUNDURXQGV 
ZRUNVHWV 
ZRUNRXWJHDU 
ZRUNRXWORJV 




'LQRVDXU7UDLQLQJEUHDWKLQJVTXDWV

:RUNRXW5HSRUW 

2QFHDJDLQ\RXJXHVVHGLWWUXHLQDZD\
DQGIDOVHLQDZD\

ZUHVWOLQJ 

,WWHOOVPHWKDWWKHUH
VDUHDOQHHGIRUDFRXUVH
WKDWWHOOV\RXKRZ-RKQ*ULPHN5($//<WUDLQHG6R
,
PYHU\JODG,GHFLGHGWRGRWKHFRXUVH

\RUNEDUEHOOFOXE 

+HFN,
YHEHHQVWXG\LQJWKLVVWXIIIRURYHU
\HDUVQRZDQG,
POHDUQLQJQHZWKLQJVDV,
SXWWKHFRXUVHWRJHWKHU
<RXDOVRVKRXOGNQRZWKLV
,MXVWILQLVKHGWKHVDOHVSDJHIRUWKHFRXUVH
DQGZH
OOSXWLWXSRQWKHZHEVLWHDVIDVWDV
ZHFDQ,
OOVHQGDOLQNZKHQLWJRHVOLYH
VREHORRNLQJIRULWDQGZKHQ\RXJHWLW
WDNHLPPHGLDWHDFWLRQ

ZULVWH[HUFLVHV 
\RUNEDUEHOOFRPSDQ\ 
\RUNWUDLQLQJFRXUVHV 
\RUNWUDLQLQJPHWKRGV 
%ORJ$UFKLYH
 
'HFHPEHU 
$WWQ'LQRV,W
V7KDW7LPHRI<HDU
$JDLQ
*UHDW)HHGEDFNRQWKH'HFHPEHU
'LQRVDXU)LOHV
2OG6FKRRO7UDLQLQJZLWK5HJ3DUN

+HUH
VZK\

*UDE6RPH0DVVLYH0RWLYDWLRQIRU
6WUHQJWK0XVFOH

,DOZD\VRIIHUDQHZERRNRUFRXUVHZLWKDSUH
SXEOLFDWLRQVSHFLDO7KDWOHWVPHNQRZKRZPDQ\
FRSLHVWRRUGHUIURPWKHSULQWHU

5HWUR/LIWLQJDW'LQR+HDGTXDUWHUV

:KHQ,ILOOWKHRUGHUVHYHU\RQHZKRWRRN
DGYDQWDJHRIWKHSUHSXEOLFDWLRQVSHFLDOJHWVD
ERQXV
,QWKLVFDVHZH
UHJRLQJWRJLYH\RXDGRXEOH
ERQXV:K\"%HFDXVHLW
V-RKQ*ULPHNDQG-RKQ
*ULPHN'(6(59(6DGRXEOHERQXV
$QG,
PHYHQJRLQJWRGRPRUHWKDQWKDW7KLVWLPH
,
PJRLQJWRJLYHD75,3/(%2186WRHYHU\RQHZKR
UHVHUYHVWKHLUFRS\RIWKHQHZFRXUVHRQWKHILUVW
GD\WKDWWKHVDOHVSDJHJRHVOLYH

6TXDWVIRU2OGHU'LQRV"
$WWHQWLRQ'LQRV<RX0D\KDYH
0LVVHG7KLV
*RLQJ6WURQJ7KH'HFHPEHU
'LQRVDXU)LOHV
'LQRVDXU7UDLQLQJ6HFUHWV:LWK
,QVWDQW'HOLYHU\
7KH*RWWD'R,W$OO*X\
$WWHQWLRQ'LQRV:H1HHG)HHGEDFN
RQWKH'HFHPEH
$<RXQJ'LQR+LWVWKH*ROG0LQH
+RZWR7UDLQIRU/LIHORQJ6WUHQJWKDQG
+HDOWK

6RLI\RXRUGHUGXULQJWKHSUHSXEOLFDWLRQVSHFLDO
\RXJHWD'28%/(%2186DQGLI\RXRUGHURQGD\
QXPEHURQH\RXJHWD75,3/(%2186

:LOO:HLJKW7UDLQLQJ.LOO<RX"

$OVRLI\RX
GOLNHPHWRDXWRJUDSK\RXUFRXUVH
DOO\RXQHHGWRGRLVDVN 'RLWLQWKH6SHFLDO
,QVWUXFWLRQVVHFWLRQRIWKHRQOLQHRUGHUIRUP 

'LQRVDXU7UDLQLQJ76KLUWV*HW
7KHP1RZ

,
PDOZD\VKRQRUHGWRDXWRJUDSKDERRNRUFRXUVH
IRU\RXEXW\RXQHHGWRDVN$QGOHWPHNQRZ
ZKRWRVLJQLWIRU-DPHVRU-LP0LNHRU
0LFKDHOHWF
,IVRPHRQHHOVHRUGHUVWKHFRXUVHIRU\RXEH
VXUHWKH\DVNIRUDQDXWRJUDSKDQGWKDWWKH\
JLYHPH\RXUQDPH
$QGQRWKHUH
VQRFKDUJHIRUDQDXWRJUDSK
*ULPHNQHYHUFKDUJHGDQ\RQHIRUDQDXWRJUDSK
DQGQHLWKHUGR,
6RWKDW
VWKHXSGDWHDQG\HVWKLQJVDUH
PRYLQJIRUZDUGDWZDUSVSHHGDQGLW
VJRQQD
EHDJUHDWPRQWKIRU*ULPHNIDQV

/DVW&DOOIRU'LQRVDXU7UDLQLQJ7
6KLUWV

)XOO&LUFOH$IWHU<HDUVRI,URQ
1RYHPEHU 
2FWREHU 
6HSWHPEHU 
$XJXVW 
-XO\ 
-XQH 
0D\ 
$SULO 
0DUFK 
)HEUXDU\ 
-DQXDU\ 
 

<RXUVLQVWUHQJWK

 

%URRNV.XELN

 

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOEUHDWKLQJVTXDWV





'LQRVDXU7UDLQLQJEUHDWKLQJVTXDWV

 

36$V,PHQWLRQHGWKHVDOHVSDJHIRUWKH
*ULPHNFRXUVHZLOOEHJRLQJOLYHYHU\VRRQ
KRSHIXOO\LQDGD\RUWZR,QWKHPHDQWLPH
DOORIP\RWKHUERRNVDQGFRXUVHVDUHULJKW
KHUHDW'LQR+HDGTXDUWHUV

 

KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
365HPHPEHULI\RXZDQWDQDXWRJUDSKRQ
$1<RIP\ERRNVRUFRXUVHVDOO\RXQHHGWRGR
LVDVN

3RVWHGE\%URRNV.XELNDW$0
/DEHOVEUHDWKLQJVTXDWVMRKQJULPHNROGWLPHVWURQJPHQ\RUNEDUEHOOFOXE\RUNEDUEHOO
FRPSDQ\\RUNWUDLQLQJFRXUVHV\RUNWUDLQLQJPHWKRGV

6TXDWV'HDGOLIWVDQG0RUH
+DLOWRWKH'LQRVDXUV
&RXSOHRITXLFNQRWHVDQGWKHQZH
OOWDON
DERXWWUDLQLQJ
7KHSULQWHULVILQLVKLQJXSWKHODVWEDWFK
RIFRSLHVRIWKHQHZ0LOLWDU\3UHVVDQG6KRXOGHU
3RZHU&RXUVHVRWKHSUHSXEOLFDWLRQVSHFLDO
LVFRPLQJWRDFORVHYHU\VRRQ,I\RXZDQWWR
JUDEDFRS\DQGJHWWKHVSHFLDOERQXVSKRWR D
JUHDWSKRWRRI-RKQ*ULPHNGRLQJVRPHVHULRXVO\
KHDY\OLIWLQJ GRLWQRZ
KWWSZZZEURRNVNXELNFRPPLOLWDU\SUHVVBFRXUVHKWPO
,I\RXQHHGWRZDLWXQWLOSD\GD\RU\RXZDQW
WRVHQGDFNRUPRQH\RUGHUVKRRWPHDQHPDLO
DQG,
OOSXW\RXRQWKHSUHSXEOLFDWLRQOLVW
EXW\RXQHHGWROHWPHNQRZ72'$<
6RPHRI\RXPD\DOUHDG\KDYHUHF
G\RXUFRXUVH
DQGERQXVSKRWRRU\RXPD\JHWWKHPLQWRGD\
V
PDLO:KHQWKDWKDSSHQVVKRRWPHDQHPDLODQGOHW
PHNQRZKRZ\RXOLNHWKHOLWWOHPRQVWHU
2QWKHWUDLQLQJIURQWVHYHUDOUHDGHUVKDYHDVNHG
DERXWGRLQJWKHUHSEUHDWKLQJVTXDWSURJUDPZLWK
GHDGOLIWVRU7UDS%DUGHDGOLIWVLQVWHDGRIVTXDWV
:LOOLWZRUN"WKH\DVN
2IFRXUVHLWZLOO
7KHVTXDWDQGWKHGHDGOLIWDUHYHU\VLPLODUH[HUFLVHV
7KH\ERWKZRUNWKHOHJVKLSVDQGEDFNWKH\ERWK
DOORZ\RXWRXVHORWVRIZHLJKWDQGWKH\ERWK
FDXVHSOHQW\RISXIILQJDQGSDQWLQJ6R\HVWKH
GHDGOLIWZRUNVZHOODVDVXEVWLWXWHIRUWKH
EUHDWKLQJVTXDW'LWWRIRUWKH7UDS%DUGHDGOLIW
7KHGLVDGYDQWDJHRIWKHGHDGOLIWDQGWKH7UDS%DU
GHDGOLIWLVWKDW\RXFDQ
WKROGRQWRWKHEDUIRU
UHSVDQGWDNHRUGHHSEUHDWKVLQEHWZHHQ
UHSVXQOHVV\RXKDYHDVXSHUVWURQJJULSDQG
\RX
UHXVLQJDUHODWLYHO\OLJKWZHLJKWRQWKH
EDU
,QVWHDGPRVWOLIWHUVGRDUHSSODFHWKHEDU
RQWKHIORRUDQGWDNHWDNHWKHLURUGHHS
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOEUHDWKLQJVTXDWV





'LQRVDXU7UDLQLQJEUHDWKLQJVTXDWV

EUHDWKVDQGWKHQGRDQRWKHUUHSORZHUWKH
EDUDQGUHSHDW
$QRWKHURSWLRQLVWRGRDUHSKROGRQWRWKH
EDUDQGGRWKHEUHDWKLQJDQGWKHQORZHUWKH
EDUOHWJRSDXVHDQGVKDNH\RXUKDQGVIRU
DIHZVHFRQGV WRJHWWKHEORRGIORZLQJDELW
DQGWRORRVHQWKHILQJHUVXSWKHQJUDEWKH
EDUDQGGRDQRWKHUUHS,I\RXKDYHDJRRGJULS
\RX
OOEHDEOHWRGRUHSVZLWKDGHFHQW
DPRXQWRIZHLJKW
6WLOODQRWKHURSWLRQLVWRGRILYHQRQVWRSUHSV
DQGWKHEUHDWKLQJRQHDFKUHS DQGWKHQSDXVH
DQGVKDNH\RXUKDQGVDQGWKHQGRDQRWKHUILYH
QRQVWRSUHSVDQGEUHDWKLQJDQGUHSHDWWKH
SURFHVVXQWLO\RX
YHGRQHUHSV
,RQFHGLGDSURJUDPZKHUH,ZRXOGGRUHSVLQ
WKH7UDS%DUGHDGOLIWZLWKSRXQGV,GLGWKHP
LQVHWVRIILYHZLWKDVKRUWSDXVHEHWZHHQVHWV
$QG\HVLWZDVDWRXJKZRUNRXW
$QGUHPHPEHUDIWHU\RXUGHDGOLIWVRU7UDS%DU
GHDGOLIWVGRRQHRUWZRVHWVRIOLJKWEUHDWKLQJ
SXOORYHUVWRVWUHWFKWKHULEFDJH
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHDJUHDW
GD\,I\RXWUDLQWRGD\PDNHLWDJRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN
365HPHPEHULI\RXZDQWWRJUDEWKH0LOLWDU\
3UHVVFRXUVHDQGJHWWKHVSHFLDOERQXVSKRWRGR
LWQRZ
KWWSZZZEURRNVNXELNFRPPLOLWDU\SUHVVBFRXUVHKWPO
36)RUPRUHEXONDQGSRZHUSURJUDPVLQFOXGLQJ
EUHDWKLQJVTXDWSURJUDPVDQGRWKHUVSHFLDOL]DWLRQ
SURJUDPVWREXLOGPD[LPXPPXVFOHPDVVDVIDVWDV
SRVVLEOHJUDEDFRS\RI&+$/.$1'6:($7
KWWSZZZEURRNVNXELNFRPFKDONBDQGBVZHDWKWPO
367KRXJKWIRUWKH'D\:LOOSRZHULVQHFHVVDU\
WRNHHSLQSHUIHFWKHDOWKDQGZLOOSRZHUFDQRQO\EH
GHYHORSHGLQDWUXO\KHDOWK\ERG\'U:DOWHU
/D%HUJH

3RVWHGE\%URRNV.XELNDW$0
/DEHOVEUHDWKLQJVTXDWVPLOLWDU\SUHVVFRXUVHVWUHQJWKDQGEXONWUDLQLQJWUDLQLQJ
TXHVWLRQVWUDSEDUWUDLQLQJWUDSEDUV

7KH3HUFHQWDQGWKH3HUFHQW
+DLOWRWKH'LQRVDXUV
7KHUH
VDORWRIWDONQRZDGD\VDERXW
WKHDQGWKH
%XWZKDWDERXWWKHDQGWKH
"
:KHQ,ZDVDNLG3HDU\5DGHUZURWH
DQDUWLFOHLQKLVZRQGHUIXOPDJD]LQH
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOEUHDWKLQJVTXDWV





'LQRVDXU7UDLQLQJEUHDWKLQJVTXDWV

,URQ0DQLQZKLFKKHVWDWHGWKDWIRU
PRVWSHRSOHWZRZRUNRXWVDZHHNZDV
WKHEHVWSURJUDPIRUEXLOGLQJVWUHQJWK
DQGPXVFOH
3HDU\QRWHGWKDWKHKDGWULHG[SHU
ZHHNZRUNRXWVDQG[SHUZHHNZRUNRXWV
DQGKHIRXQGPXFKWRKLVVXUSULVH
WKDWKHDFWXDOO\GLGEHWWHURQ[SHU
ZHHN
$QGWKHVHZHUH127ORQJWLPHFRQVXPLQJ
ZRUNRXWV7KH\ZHUHDFWXDOO\SUHWW\VKRUW
SURJUDPV:KDW,UHIHUWRLQP\ERRNV
DQGFRXUVHVDVDEEUHYLDWHGWUDLQLQJ
)RUH[DPSOH
%HQFKSUHVV[
%DUEHOOEHQWRYHUURZLQJ[
%UHDWKLQJVTXDW[
9HU\OLJKWEUHDWKLQJSXOORYHUV[
2UWKLVSURJUDP
0LOLWDU\SUHVV[
%DUEHOOFXUO[
%UHDWKLQJVTXDW[
9HU\OLJKWEUHDWKLQJSXOORYHU[
2UWKLVRQH
3DUDOOHOGLSVRUZHLJKWHGSXVKXSV
[
3XOOXSV[
6TXDWVIURQWVTXDWVRU7UDS%DU
GHDGOLIWV[
7KHUHDFWLRQZDV(;$&7/<ZKDW\RXZRXOGH[SHFW
(YHU\RQHWKRXJKWWKDW3HDU\ZDVFUD]\DQG
RIWKHJX\VZKRUHDGWKHDUWLFOHVKRRN
WKHLUKHDGVUROOHGWKHLUH\HVDQGLJQRUHGLW
7KH\VWXFNWRWKHLUIRXUGD\ILYHGD\DQGVL[
GD\SHUZHHNVSOLWURXWLQHVWKHLUWZRKRXU
WKUHHKRXUDQGIRXUKRXUZRUNRXWVDQGWKHLU
HQGOHVVVHWVRIHQGOHVVUHSVRIHYHU\H[HUFLVH
XQGHUWKHVXQ
$QGPRVWRIWKHPGLGQ
WJDLQPXFKRIDQ\WKLQJ
DWDOO
7KHQWKHUHZDVWKHRIUHDGHUVZKRDFWXDOO\
JDYH3HDU\
VDGYLFHDWU\7KH\SXWWRJHWKHUD
OLPLWHGH[HUFLVHSURJUDP ZKLFKLVZKDW3HDU\
FDOOHGDEEUHYLDWHGWUDLQLQJ DQGWKH\WUDLQHG
[DZHHN VRPHRIWKHPRQO\RQFHDZHHN DQG
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOEUHDWKLQJVTXDWV





'LQRVDXU7UDLQLQJEUHDWKLQJVTXDWV

ORDQGEHKROGWKH\JUHZOLNHZHHGVDQGHQGHGXS
RUHYHQSRXQGVRIPXVFOHKHDYLHU
DQGWZRWKUHHRUIRXUWLPHVVWURQJHUWKDQ
HYHUEHIRUH
7KHIXQQ\WKLQJLVLW
VPRUHWKDQ\HDUVODWHU
DQGZHVWLOOVHHRIWKHIRONVZKRWUDLQ
GRLQJWRRPDQ\H[HUFLVHVWRRPDQ\VHWVWRRPDQ\
UHSVWUDLQLQJWRRRIWHQDQGQRWJHWWLQJYHU\PXFK
LQWKHZD\RIUHVXOWV
%XWZHDOVRKDYHWKDWWKDWWUDLQVWKH5,*+7
ZD\RQEULHILQIUHTXHQWDEEUHYLDWHGSURJUDPV
DQGWKH\
UHGRLQJJUHDW
6RWDNHDVHFRQGORRNDW\RXUWUDLQLQJSURJUDP
DQGORRNDW\RXUUHVXOWV$UH\RXLQWKH
RULQWKH"
,I\RXDUH127LQWKH\RX&$1EHDOO\RX
QHHGWRGRLVWRVWDUWWUDLQLQJVKRUWKDUGKHDY\
DQGVHULRXV1RLW
VQRWHDV\EXWHDV\QHYHU
EXLOWDQRXQFHRIPXVFOH
$VDOZD\VWKDQNVIRUUHDGLQJDQGIHHOIUHHWR
VKDUHWKLVPHVVDJH,I\RXWUDLQWRGD\PDNHLW
DJRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN
36+HUH
VVRPHWKLQJWKDWFRPELQHVVHULRXVDUP
WUDLQLQJZLWKDEEUHYLDWHGVWUHQJWKWUDLQLQJ
DQGZLOOEXLOGDUPVEXOJLQJZLWKVWUHQJWKDQG
SRZHU
KWWSZZZEURRNVNXELNFRPGLQRVDXUBDUPWUDLQLQJKWPO
36)RUPRUHDERXWDEEUHYLDWHGDVWUHQJWKWUDLQLQJ
VHH'LQRVDXU7UDLQLQJ&KDONDQG6ZHDW*UD\+DLUDQG
%ODFN,URQDQG6WUHQJWK0XVFOHDQG3RZHU<RXFDQILQG
WKHPKHUH
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
367KRXJKWIRUWKH'D\<RXRQO\KDYHRQHFKDQFH
WRPDNH\RXUQH[WZRUNRXWDJUHDWRQH0DNHWKHPRVWRI
LW%URRNV.XELN

3RVWHGE\%URRNV.XELNDW$0
/DEHOVUHSVTXDWVDEEUHYLDWHGWUDLQLQJDEEUHYLDWHGZRUNRXWVEUHDWKLQJVTXDWV
EXLOGLQJVWUHQJWKDQGPXVFOHGLQRVDXUWUDLQLQJSURJUDPVGLQRVDXUZRUNRXWV3HDU\
5DGHU

5HDGHU)HHGEDFNRQ+RZWR'R5HS%UHDWKLQJ
6TXDWV
+DLOWRWKH'LQRVDXUV
4XLFNQRWHDQGWKHQVRPHUHDGHUIHHGEDFNRQ\HVWHUGD\VHPDLOPHVVDJH
DERXWJHWWLQJVWDUWHGWKHULJKWZD\RQUHSEUHDWKLQJVTXDWV
/(*$&<2),521
9ROXPHLQWKHSRSXODU/HJDF\RI,URQVHULHVLVGXHRXWLQPLG1RYHPEHU
,OOSXWXSDQRUGHUSDJHIRULWQH[WZHHN6RLI\RXUHD/HJDF\RI,URQIDQ
WKHQEHRQWKHORRNRXW9ROXPHLVRQWKHZD\DQGLWVQRQVWRSDFWLRQ
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOEUHDWKLQJVTXDWV





'LQRVDXU7UDLQLQJEUHDWKLQJVTXDWV

IURPVWDUWWRILQLVK
5($'(5)(('%$&.
+HUHVZKDW\RXKDGWRVD\DERXW\HVWHUGD\VHPDLOPHVVDJHRQUHS
VTXDWV,I\RXPLVVHGLW\RXFDQUHDGLWRQWKH'LQRVDXU7UDLQLQJ%ORJLW
ZDVSRVWHG\HVWHUGD\
7KDQN\RXIRUWKLVHPDLO,WVJUHDWWRKHDUVXFKSUDFWLFDODGYLFHDERXWWKH
UHSV\VWHP,
YHEHHQZRQGHULQJDERXWWKLVIRUDZKLOHDQGQRZIHHO,FDQ
DGGLWWRP\SURJUDP0DWW0F.LQQH\
:KDWDJUHDWQHZVHQWU\,WUHDOO\FODULILHGWKHULJKWZD\WRSHUIRUPWKH
UHSEUHDWKLQJVTXDWIRUPH,
YHQHYHUGRQHWKHPEXWSODQQHGWRDQGQRZ,
IHHO,ZLOOEHVWDUWLQJRIIH[DFWO\WKHULJKWZD\IURPWKHYHU\EHJLQQLQJ<RXU
HPSKDVLVRQSHUIHFWIRUPUHDOO\KLWKRPHWRR,
YHDOZD\VPDGHLWDSULRULW\
WRSHUIRUPHDFKUHSDVSHUIHFWO\DVSRVVLEOHDQGDYRLGWKHWHPSWDWLRQWR
KDQGOHPRUHZHLJKWE\
UHOD[LQJ
P\IRUPDOLWWOHEXWHYHQVR,
SHULRGLFDOO\FKHFNP\IRUPE\ORZHULQJP\ZHLJKWVDQGUHDOO\HPSKDVL]H
DEVROXWHSHUIHFWIRUPDQGDYHU\FRQWUROOHGGHOLEHUDWHPRWLRQ+DQGOLQJ
FRQVLGHUDEO\PRUHZHLJKWE\GHYLDWLQJIURPWKLVH[DFWSHUIRUPDQFHLVD
YHU\VHGXFWLYHSURSRVLWLRQDQGZKLOH,FDQ
WVD\WKDW,KDYHDOZD\VEHHQ
LPPXQHWRLWLQHYHU\LQVWDQFH,DPYHU\FRQVFLRXVRIWKHQHHGWRVWD\RQ
WUDFN<RXUSLHFHIRUWRGD\ZDVMXVWWKHULJKWWKLQJWRVKRUHXSP\UHVROYH
WRUHFKHFNDQGUHVHWIRURSWLPXPIRUP7KDQNV0LFKDHO'XPDV
*UHDWPXFKQHHGHGDGYLFH,ZLOOSXWLWLQWRDFWLRQWRGD\-D\0LPV
*RRGWRSLFIRUWKHHPDLO,DPJHWWLQJUHDG\WRUHVWDUWWKHUHSVTXDW
ZRUNRXW,KDYHGRQHLWWZLFHEHIRUHIRUDERXWZHHNVHDFKWLPH,XVXDOO\
VWDUWDWSRXQGV7KDWVYHU\OLJKWEXW,OLNHWREUHDNLQDQGZRUNP\ZD\
XS%HWWHUVDIHWKDQVRUU\.HHSEULQJLQJXVWKHJUHDWHPDLOVDQG,FDQW
ZDLWWRJHWWKHQHZ'LQR)LOHVVRRQ-LP6SDUOLQ
$PHQRQWKHUHSVTXDWPHWKRGRORJ\7KHWDNH\RXUUHSPD[DQGGR
LVOXGLFURXV)UDQN7LUHOOL
*UHDWDGYLFHDQGWLPHO\DVWKHUHSVTXDWVHHPVWREHJRLQJWKURXJKD
UHYLYDODQGDV\RXVD\WKHLQIRRQKRZWRGRLWLVDE\VPDO,QHYHUOLNHG
GRLQJKLJKUHSVEXWZKHQ,VWDUWHGDWWKHJ\PDVDNLG,ZDVPDGHWRGRD
ORWRIUHSVEHIRUH,ZDVDOORZHGWRWRXFKZHLJKWV(JSXVKXSVDQG
VTXDWV7KHZD\0DXULFHP\PHQWRUVWDUWHGPHRQUHSVTXDWVZDVWR
ILQGDZHLJKW,FRXOGMXVWPDQDJHUHSVLQJRRGIRUPWKHQWU\WRDGGRU
UHSVDWHYHU\ZRUNRXWXQWLO,JRW7KHQVWD\DWZKLOHVORZO\DGGLQJ
ZHLJKW,DFWXDOO\VWDUWHGWROLNHKLJKUHSVTXDWV$OZD\VIHOWDVHQVHRI
DFKLHYHPHQWDIWHUZDUG+DYHDJUHDWGD\3HWHU<DWHV
7KDQN\RXIRUSURYLGLQJ6(16,%/(LQIRUPDWLRQRQWKHUHSVTXDW
URXWLQH5LFN+HOOH\
&RPPRQVHQVHVKRXOGGLFWDWHLI\RXXVH\RXUUHS0$;\RXVKRXOG
QRWEHDEOHWRSHUIRUPPXFKPRUHWKDQUHSVDQGGHILQLWHO\QRWUHSV
XQOHVVWKHPXVFOHFRPLFVDQG,KDYHGLIIHUHQWGHILQLWLRQVRIZKDW0$;
PHDQVZKLFKLVTXLWHSRVVLEOH 0LNNHO6WDUJDDUG
%URRNVDQRWKHUZD\WRJRLVWRVWDUWDWUHSVDQGZRUNXSWRZKLFK,
WKLQNLVZKDW3HDU\5DGHURULJLQDOO\DGYLVHGWKHLGHDEHLQJGLVWLOOHGGRZQ
WRJHWUHSVZLWKDUHSZHLJKW2EYLRXVO\WRGRWKDW\RXKDYHWR
VWUHWFKRXWWKHVHWZKLFKLVZKHUHWKHEUHDWKLQJFRPHVLQ$//RIWKLV
FRPHVXQGHUWKHKHDGHURI5(673$86( DNDVSOLWVHW :RUNVUHDOO\ZHOO
LQFOHDQDQGSUHVV2EYLRXVO\\RXFDQGRPRUHZHLJKWLQWKHFOHDQDQG
SUHVVZLWKDVHFRQGSDXVHEHWZHHQUHSVWKDQ\RXFDQGRLQJ
FRQVHFXWLYHUHSV1RWURFNHWVFLHQFHEXWJHWVUHVXOWV%HVWDOZD\V
3DXO0XUUD\
48(67,216)5205($'(56
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOEUHDWKLQJVTXDWV





'LQRVDXU7UDLQLQJEUHDWKLQJVTXDWV

42QHVLPSOHTXHVWLRQ$P,VXSSRVHGWRGRVWUDLJKWUHSVZLWKWKH
EUHDWKVRULVLWPRUHOLNHVHWVRIUHS PHDQLQJVTXDWUDFNEUHDWKH
VTXDWUDFNEUHDWKHHWF "7KDQNV/RUQH6WXUGLYDQW
$7KHSUHIHUUHGPHWKRGLVWRGRUHSVZLWKGHHSEUHDWKVLQEHWZHHQ
HDFKUHS6RWKHEDULVRQ\RXUVKRXOGHUVWKHZKROHWLPHZKLFKPHDQV
\RXKDYHWRZRUNKDUGRQHDFKEUHDWKWRUDLVH\RXUFKHVWDQGVKRXOGHUV
KLJKHQRXJKWRILOO\RXUOXQJVWRWKHPD[LPXP
4<RXIRUJRWWRPHQWLRQUHPHPEHULQJKRZWRDFFXUDWHO\FRXQW\RXUUHSV,
NQRZLWVRXQGVVWXSLGEXWKRZRIWHQGLG\RXIRUJHWKRZPDQ\UHSV\RX
KDYHGRQH&DQ\RXFRYHUWKLV"'HQQLV6PLWK
$7KLVLVZKHUHGHHSIRFXVDQGGHHSFRQFHQWUDWLRQFRPHVLQWRSOD\,WV
VRPHWKLQJ\RXKDYHWRSUDFWLFH$JDLQWKDWVZK\,OLNHWRVWDUWOLJKWDQG
OHDUQKRZWRGR\RXUUHSVTXDWVSHUIHFWO\EHIRUH\RXVWDUWWRSLOHZHLJKW
RQWKHEDU
2IFRXUVHLI\RXKDYHDWUDLQLQJSDUWQHUZKRFDQFRXQWWKHUHSVWKDWLV
LGHDO
4+DYH8KHDUGRIWKH+LVH6TXDW",
PVXUH8KDYH/DUU\$OEULWWRQ
$2IFRXUVH,FRYHUWKH+LVHVTXDWLQ6WUHQJWK0XVFOHDQG3RZHU,WVD
KHDY\VXSSRUWOLIWZLWKGHHSEUHDWKLQJ<RXSXWDKHDY\ZHLJKWRQWKHEDU
DQGGRWKHEUHDWKLQJSDUWRIWKHEUHDWKLQJVTXDWIRURUUHSV1R
VTXDWVMXVWEUHDWKLQJ'HYHORSHGE\-RVHSK&+LVHKHQFHWKHQDPH
$OVRUHIHUUHGWRDVGLQN\VTXDWVE\+DUU\3DVFKDOO,I\RXGRWKHVHGR
WKHPLQDSRZHUUDFN<RXOOEHXVLQJZD\WRRPXFKZHLJKWWRGRWKHP
VDIHO\RXWVLGHRIDSRZHUUDFN
7+(:5$383
7KDQNVIRUWKHIHHGEDFNHYHU\RQH,PJODG\RXHQMR\HGWKHWRSLF:HOO
NHHSWKHPJRLQJIRU\RX
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHDJUHDWGD\DQGLI\RXWUDLQ
WRGD\PDNHLWDJRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN
36)RUPRUHLQIRUPDWLRQRQJDLQLQJZHLJKWEXLOGLQJPXVFOHDQG
GHYHORSLQJPD[LPXPVWUHQJWKDQGSRZHUJUDEDFRS\RI
'LQRVDXU7UDLQLQJ/RVW6HFUHWVRI6WUHQJWKDQG'HYHORSPHQW
6WUHQJWK0XVFOHDQG3RZHUDQG
)RUROGHUOLIWHUV*UD\+DLUDQG%ODFN,URQ
<RXFDQILQGWKHPDWWKH'LQRVDXU7UDLQLQJZHEVLWH
ZZZEURRNVNXELNFRP

3RVWHGE\%URRNV.XELNDW$0
/DEHOVEUHDWKLQJVTXDWV%URRNV.XELN'LQRVDXU7UDLQLQJGLQRVDXUZRUNRXWV/HJDF\RI
,URQ3HDU\5DGHUWKHKLVHVTXDW

7KH5HS6TXDW4XHVWLRQ
+DLOWRWKHGLQRVDXUV
7UDLQLQJTXHVWLRQVDUHOLNHEDQDQDVWKH\FRPHLQEDWFKHV2QHRIWKH
FRPPRQTXHVWLRQVRYHUWKHSDVWIHZZHHNVLQYROYHVWKHUHSEUHDWKLQJ
VTXDW)RONVZDQWWRNQRZKRZPXFKZHLJKWWRKDQGOHZKHQWKH\EHJLQWR
SHUIRUPUHSVTXDWV
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOEUHDWKLQJVTXDWV





'LQRVDXU7UDLQLQJEUHDWKLQJVTXDWV

6ROHWVWDONDERXWWKDWWRGD\$QGSD\DWWHQWLRQEHFDXVHWKLVLVRQHRI
WKRVHWRSLFVZKHUHWKHUHLVVRPHYHU\VHULRXVO\%$'DGYLFHFDUYHGLQ
JUDQLWHWDEOHWVDQGSUHVHQWHGWRWKHZRUOGDV7UDLQLQJ*RVSHO
7KH%$'DGYLFHRQUHSEUHDWKLQJVTXDWVLVDVIROORZV
7DNH\RXUDEVROXWHWRSPD[LPXPZHLJKWIRU7(1UHSVDQGWKHQSHUIRUP
7:(17<UHSVZLWKLW
7KDWVWKHWLPHKRQRUHGIRUPXODDQGLWVEHHQUHSHDWHGRYHUDQGRYHUDJDLQ
VRPDQ\WLPHVWKDWLWVSUREDEO\RQHRIWKHEHVWNQRZQUXOHVRXWWKHUH
,WJHWVUHSHDWHGEHFDXVHLWVGUDPDWLFDQGLWVLPSUHVVLYHDQGLWJHWV\RX
ILUHGXSDQGUDULQWRJRRXWDQGGRVRPHKHDY\VTXDWV$QGLWPDNHVDQ
LPSRUWDQWSRLQWDERXWUHSEUHDWKLQJVTXDWVZKLFKLV\RXUHDOO\QHHGWR
ZRUNKDUGRQWKHP
%XW\RX'217GRLWE\FKDUJLQJRIIDQGGRLQJUHSVZLWK\RXUUHS
PD[LPXPWKHYHU\ILUVWWLPH\RXGREUHDWKLQJVTXDWV
,QVWHDG\RXGRLWWKLVZD\VORZO\SURJUHVVLYHO\DQGLQWHOOLJHQWO\
7DNHRI\RXUUHSPD[DQGGRUHSV
3HUIRUPHDFKUHSLQOHWWHUSHUIHFWIRUP
&RQFHQWUDWHRQ\RXUEUHDWKLQJ
:RUNWRPDNHWKLVWKHEHWVVHWRIVTXDWV\RXKDYHHYHUGRQH
,PPHGLDWHO\DIWHUWKHVTXDWVSHUIRUPUHSVRIWKHEUHDWKLQJSXOORYHU
ZLWKYHU\OLJKWGXPEEHOOV QRPRUHWKDQSRXQGV RUDWRSRXQG
EDUEHOO'R127JRKHDY\RQWKHSXOORYHUV7KH\DUHVXSSRVHGWREHYHU\
OLJKWEHFDXVHDOO\RXDUHWU\LQJWRGRLVWRH[SDQG\RXUULEFDJHWKURXJK
GHHSEUHDWKLQJDQGVWUHWFKLQJ
,Q\RXUQH[WVTXDWZRUNRXWDGGILYHRUWHQSRXQGVWRWKHEDUDQGSHUIRUP
DQRWKHU3(5)(&7VHWRIUHSV
&RQWLQXHLQWKLVIDVKLRQVORZO\DQGVWHDGLO\XQWLO\RXDUHKDQGOLQJ\RXU
PD[LPXPSRVVLEOHZHLJKWIRUUHSV
$WWKDWSRLQWWU\WRDGGZHLJKWZKHQHYHUSRVVLEOH
%\VWDUWLQJZLWKDQ($6<ZHLJKWDWWKHEHJLQQLQJ\RXGHYHORSJRRGKDELWV
IRU\RXUEUHDWKLQJVTXDWV<RXOHDUQWRSHUIRUPHDFKUHSLQDEVROXWHO\
SHUIHFWIRUP$QG\RXOHDUQKRZWRIRFXVIRUWKHIXOOUHSVHW
,I\RXVWDUWWRRKHDY\ZKLFKLVZKDWPRVWJX\VGR\RXDOPRVWDOZD\V
EHJLQWRSHUIRUP\RXUUHSVLQORXV\IRUP<RXURXQG\RXUEDFN<RXFXW
\RXUGHSWK<RXGURSDQGERXQFH<RXGRQWUDLVH\RXUFKHVWDQG
VKRXOGHUVDVKLJKDVSRVVLEOHZKHQ\RXEUHDWKEHWZHHQUHSV<RXVWDUWWR
OHDQRYHUDQGORRNGRZQDWWKHIORRULQEHWZHHQUHSV
7KDWVQRWJRRG,WPDNHVWKHH[HUFLVHIDUOHVVSURGXFWLYHDQGPXFK
PRUHGDQJHURXV
,QDGGLWLRQLI\RXVWDUWOLJKWDQGEXLOGXS\RXGHYHORSDVXFFHVVRULHQWHG
PHQWDOLW\DQGDSSURDFKHDFKZRUNRXWZLWKSOHQW\RIFRQILGHQFH,QFRQWUDVW
LI\RXVWDUWWRRKHDY\\RXTXLFNO\IDOOLQWRWKH&DQ,GRLW"PHQWDOLW\DQG
SUHWW\VRRQ\RXGRQWJHW\RXUIXOOUHSVDQGWKHQHYHU\WKLQJVWDUWVWR
IDOODSDUWDQG\RXUSURJUHVVFRPHVWRDFUDVKLQJKDOWDQG\RXEXUQRXWELJ
WLPH
,NQRZ,YHEHHQWKHUH,YHPDGHWKHYHU\VDPHPLVWDNH,PWHOOLQJ\RXDOO
DERXW$QG,YHVHHQSOHQW\RIRWKHUSHRSOHPDNHWKHYHU\VDPHPLVWDNH
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOEUHDWKLQJVTXDWV





'LQRVDXU7UDLQLQJEUHDWKLQJVTXDWV

<RXPD\YHU\ZHOOJHWWRWKHSRLQWZKHUH\RXDUHKDQGOLQJ\RXUIRUPHUWRS
ZHLJKWIRUUHSVIRUDIXOOUHSVLQWKHEUHDWKLQJVTXDWEXWGRQWWU\WR
67$57WKHUH6WDUWOLJKWDQGZRUN\RXUZD\XS
7KHDERYHDGYLFHDOVRDSSOLHVWRUHSGHDGOLIWVRUDQ\RWKHUKLJKUHS
GHDWKVHWRUGHDWKPDUFKH[HUFLVH<(6\RXDUHJRLQJWRZRUNWKHP
KDUG9HU\KDUG%XW12\RXDUHQRWJRLQJWRJRIXOOERUHWKHYHU\ILUVWWLPH
\RXWU\WKHP
6RLI\RXUHWKLQNLQJDERXWGRLQJUHSVTXDWVRUGHDGOLIWVNHHSWKHDERYH
SRLQWVLQPLQG$QGORRNIRUZDUGWRVRPHJRRGROGIDVKLRQHGKDUGZRUN
DQGVRPH*5($7*$,16
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHDJUHDWGD\,I\RXWUDLQWRGD\
PDNHLWDJRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN
36)RUPRUHLQIRUPDWLRQDERXWUHSVTXDWVDQGGHDGOLIWVZHLJKWJDLQLQJ
SURJUDPVDQGKHDY\GXW\KLJKRFWDQHPXVFOHEXLOGLQJZRUNRXWVJUDED
FRS\RI'LQRVDXU7UDLQLQJDQGDFRS\RI6WUHQJWK0XVFOHDQG3RZHU
'LQRVDXU7UDLQLQJ/RVW6HFUHWVRI6WUHQJWKDQG'HYHORSPHQW
KWWSZZZEURRNVNXELNFRPGLQRVDXUBWUDLQLQJKWPO
6WUHQJWK0XVFOHDQGSRZHU
KWWSZZZEURRNVNXELNFRPVWUHQJWKBPXVFOHBSRZHUKWPO

3RVWHGE\%URRNV.XELNDW$0
/DEHOVUHSVTXDWVEUHDWKLQJVTXDWV%URRNV.XELN'LQRVDXU7UDLQLQJGLQRVDXU
ZRUNRXWV

+RPH

2OGHU3RVWV

6XEVFULEHWR3RVWV $WRP


KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOEUHDWKLQJVTXDWV



You might also like