Download as pdf or txt
Download as pdf or txt
You are on page 1of 5

¿Ä»Éʹʾ·Ƒʹʾ¸Ƒ·Äºʹʾ¹Ƴ

·ÈÄ»º ĹÅûÈ»º¿Êƺ ƻ
Ê»Æʸ  ¿Â»ÈÉ
 ,ILQ
¾·Ê Éʾ» Ɯ ‡ RUPRUHFKLOGUHQZKRKDYHYDOLG661VOLYHGZLWK\RX
LVWKHDPRXQWRQ)RUPRU65OLQHOHVV
7KH(,&LVDFUHGLWIRUFHUWDLQSHRSOHZKRZRUN7KHFUHGLWPD\ WKDQ LIPDUULHGILOLQJMRLQWO\ "
JLYH\RXDUHIXQGHYHQLI\RXGRQ¶WRZHDQ\WD[RUGLGQ¶WKDYH ‡ FKLOGUHQZKRKDYHYDOLG661VOLYHGZLWK\RXLVWKH
DQ\WD[ZLWKKHOG DPRXQWRQ)RUPRU65OLQHOHVVWKDQ
 LIPDUULHGILOLQJMRLQWO\ "
<RXPD\HOHFWWRXVH\RXUHDUQHGLQFRPHWRILJ ‡ FKLOGZKRKDVDYDOLG661OLYHGZLWK\RXLVWKH
TIP XUH\RXU(,&LI\RXUHDUQHGLQFRPHLVPRUHWKDQ DPRXQWRQ)RUPRU65OLQHOHVVWKDQ
\RXUHDUQHGLQFRPH)RUGHWDLOVVHH3XE  LIPDUULHGILOLQJMRLQWO\ "
‡ 1RFKLOGUHQZKRKDYHYDOLG661VOLYHGZLWK\RXLVWKH
DPRXQWRQ)RUPRU65OLQHOHVVWKDQ
<RXFDQ
WXVH\RXUHDUQHGLQFRPHLQVWHDGRI\RXU  LIPDUULHGILOLQJMRLQWO\ "
 HDUQHG LQFRPH <RX FDQ RQO\ XVH \RXU 
»ÉƔ &RQWLQXH X ÅƔ STOP
HDUQHGLQFRPHLILWLVPRUHWKDQ\RXUHDUQHGLQ 䊲
FRPH <RXFDQ
WWDNHWKHFUHGLW

,I\RXPDNHWKHHOHFWLRQWRXVH\RXUHDUQHGLQFRPHWR  'R\RXDQG\RXUVSRXVHLIILOLQJDMRLQWUHWXUQKDYHD
ILJXUH\RXU(,&HQWHU\RXUHDUQHGLQFRPHRQOLQHF VRFLDOVHFXULW\QXPEHULVVXHGRQRUEHIRUHWKHGXHGDWHRI
\RXUUHWXUQ LQFOXGLQJH[WHQVLRQV WKDWDOORZV\RXWR
Å·Á»ʾ» Ɠ ZRUNDQGLVYDOLGIRU(,&SXUSRVHV H[SODLQHGODWHUXQGHU
‡ )ROORZWKHVWHSVEHORZ 'HILQLWLRQVDQG6SHFLDO5XOHV "
‡ &RPSOHWHWKHZRUNVKHHWWKDWDSSOLHVWR\RXRUOHWWKH,56 »ÉƔ &RQWLQXH ÅƔ STOP
ILJXUHWKHFUHGLWIRU\RX 䊲
<RXFDQ
WWDNHWKHFUHGLW
‡ ,I\RXKDYHDTXDOLI\LQJFKLOGFRPSOHWHDQGDWWDFK6FKHG (QWHU³1R´RQWKHGRWWHG
XOH(,& OLQHQH[WWROLQHD
‡ ,I\RXKDYHDWOHDVWRQHFKLOGZKRPHHWVWKHFRQGLWLRQVWR
EH\RXUTXDOLI\LQJFKLOGIRUSXUSRVHVRIFODLPLQJWKH(,&FRP
 $UH\RXILOLQJ)RUP UHODWLQJWRIRUHLJQHDUQHG
SOHWHDQGDWWDFK6FKHGXOH(,&HYHQLIWKDWFKLOGGRHVQ
WKDYHD LQFRPH "
YDOLG 661 6HH 6FKHGXOH (,& IRU PRUH LQIRUPDWLRQ LQFOXGLQJ
KRZWRFRPSOHWH6FKHGXOH(,&LI\RXUTXDOLI\LQJFKLOGGRHVQ
W »ÉƔ STOP ÅƔ &RQWLQXH

KDYHDYDOLG661 <RXFDQ
WWDNHWKH
/LQHDFKHFNER[ $TXDOLILHGIRUPHUIRVWHU\RXWKPXVWFRQ FUHGLW
VHQWIRUHQWLWLHVZKRDGPLQLVWHUDSODQXQGHUSDUW%RUSDUW(RI
WLWOH,9RIWKH6RFLDO6HFXULW\$FWWRGLVFORVHLQIRUPDWLRQUHOD  :HUH\RXRU\RXUVSRXVHDQRQUHVLGHQWDOLHQIRUDQ\SDUWRI
WHGWRWKHLUVWDWXVDVDTXDOLILHGIRUPHUIRVWHU\RXWK7KLVFRQ "
VHQWLVJLYHQE\FKHFNLQJWKHER[RQOLQHD4XDOLILHGKRPH »ÉƔ 6HH1RQUHVLGHQW ÅƔ *RWR6WHS
OHVV\RXWKDUHUHTXLUHGWRFHUWLI\WKDWWKH\DUHXQDFFRPSDQLHG DOLHQVODWHUXQGHU
KRPHOHVV RU DW ULVN RI KRPHOHVVQHVV DQG VHOIVXSSRUWLQJ E\ 'HILQLWLRQVDQG6SHFLDO
FKHFNLQJWKHER[RQOLQHD 5XOHV

)RUKHOSLQGHWHUPLQLQJLI\RXDUHHOLJLEOHIRUWKH(,&JRWR
,56JRY(,7&DQGFOLFNRQ³(,7&4XDOLILFDWLRQ$VVLVWDQW´7KLV
Ê»Æʹ ÄÌ»ÉÊûÄÊ ĹÅû
VHUYLFHLVDYDLODEOHLQ(QJOLVKDQG6SDQLVK
 $GGWKHDPRXQWVIURP)RUPRU65
,I\RXWDNHWKH(,&HYHQWKRXJK\RXDUHQ
WHOLJLEOHDQG /LQHD 
LWLVGHWHUPLQHGWKDW\RXUHUURULVGXHWRUHFNOHVVRULQ
WHQWLRQDO GLVUHJDUG RI WKH (,& UXOHV \RX ZRQ
W EH DO /LQHE  
ORZHGWRWDNHWKHFUHGLWIRU\HDUVHYHQLI\RXDUHRWKHUZLVHHO /LQHE  
LJLEOH WR GR VR ,I \RX IUDXGXOHQWO\ WDNH WKH (,& \RX ZRQ
W EH /LQH  
DOORZHG WR WDNH WKH FUHGLW IRU  \HDUV 6HH )RUP  ZKR
PXVWILOHODWHU<RXPD\DOVRKDYHWRSD\SHQDOWLHV
,QYHVWPHQW,QFRPH
5HIXQGVIRUUHWXUQVFODLPLQJWKHHDUQHGLQFRPHFUHGLW
TIP FDQ
W EH LVVXHG EHIRUH PLG)HEUXDU\  7KLV GHOD\ ,IOLQHLVDORVVHQWHU
DSSOLHVWRWKHHQWLUHUHIXQGQRWMXVWWKHSRUWLRQDVVRFL
DWHGZLWKWKHHDUQHGLQFRPHFUHGLW
 ,V\RXULQYHVWPHQWLQFRPHPRUHWKDQ" <RXFDQ
WWDNHWKHFUHGLWIRUDFKLOGZKRGLGQ
WOLYHZLWK\RXIRUPRUH
»ÉƔ &RQWLQXH ÅƔ 6NLSTXHVWLRQJR WKDQKDOIWKH\HDUHYHQLI\RXSDLGPRVWRIWKHFKLOG
VOLYLQJH[SHQVHV7KH
䊲 WRTXHVWLRQ ,56PD\DVN\RXIRUGRFXPHQWVWRVKRZ\RXOLYHGZLWKHDFKTXDOLI\LQJFKLOG
'RFXPHQWV\RXPLJKWZDQWWRNHHSIRUWKLVSXUSRVHLQFOXGHVFKRRODQGFKLOG
FDUHUHFRUGVDQGRWKHUUHFRUGVWKDWVKRZ\RXUFKLOG
VDGGUHVV
 $UH\RXILOLQJ)RUP UHODWLQJWRVDOHVRIEXVLQHVV
SURSHUW\ " TIP
,IWKHFKLOGGLGQ
WOLYHZLWK\RXIRUPRUHWKDQKDOIRIEHFDXVHRI
»ÉƔ 6HH)RUP ÅƔ STOP DWHPSRUDU\DEVHQFHELUWKGHDWKRUNLGQDSSLQJVHH([FHSWLRQWRWLPH
ILOHUVODWHUXQGHU OLYHGZLWK\RXODWHU
'HILQLWLRQVDQG6SHFLDO <RXFDQ
WWDNHWKHFUHGLW
5XOHV
,IWKHFKLOGPHHWVWKHFRQGLWLRQVWREHDTXDOLI\LQJFKLOGRIDQ\RWKHU
SHUVRQ RWKHUWKDQ\RXUVSRXVHLIILOLQJDMRLQWUHWXUQ IRUVHH
 'RDQ\RIWKHIROORZLQJDSSO\IRU" 4XDOLI\LQJFKLOGRIPRUHWKDQRQHSHUVRQODWHU,IWKHFKLOGZDVPDUULHGVHH
‡ <RXDUHILOLQJ6FKHGXOH( 0DUULHGFKLOGODWHU
‡ <RXDUHUHSRUWLQJLQFRPHIURPWKHUHQWDORISHUVRQDO
SURSHUW\QRWXVHGLQDWUDGHRUEXVLQHVV
‡ <RXDUHILOLQJ)RUP UHODWLQJWRHOHFWLRQWRUHSRUW  'R\RXKDYHDWOHDVWRQHFKLOGZKRPHHWVWKHFRQGLWLRQVWR
FKLOG
VLQWHUHVWDQGGLYLGHQGVRQ\RXUUHWXUQ 
‡ <RXKDYHLQFRPHRUORVVIURPDSDVVLYHDFWLYLW\ EH\RXUTXDOLI\LQJFKLOGIRUWKHSXUSRVHRIFODLPLQJWKH
(,&"
»ÉƔ 8VH:RUNVKHHW ÅƔ *RWR6WHS
LQ3XEWRVHHLI\RX »ÉƔ &RQWLQXH ÅƔ 6NLSTXHVWLRQV
FDQWDNHWKHFUHGLW 䊲 WKURXJKJRWR6WHS

Ê»Æʺ ˷¿¼Ï¿Ä½¾¿Âº  $UH\RXILOLQJDMRLQWUHWXUQIRU"


$TXDOLI\LQJFKLOGIRUWKH(,&LVDFKLOGZKRLV\RXU »ÉƔ 6NLSTXHVWLRQV ÅƔ &RQWLQXH
WKURXJKDQG6WHS 䊲
6RQGDXJKWHUVWHSFKLOGIRVWHUFKLOGEURWKHUVLVWHUVWHSEURWKHUVWHSVLVWHU
JRWR6WHS
KDOIEURWKHUKDOIVLVWHURUDGHVFHQGDQWRIDQ\RIWKHP IRUH[DPSOH\RXU
JUDQGFKLOGQLHFHRUQHSKHZ  $UH\RXDPDUULHGWD[SD\HUZKRVHILOLQJVWDWXVLVPDUULHG
ILOLQJVHSDUDWHO\RUKHDGRIKRXVHKROG"
AND
»ÉƔ &RQWLQXH ÅƔ 6NLSTXHVWLRQV
䊲 DQGJRWRTXHVWLRQ
ZDV
8QGHUDJHDWWKHHQGRIDQG\RXQJHUWKDQ\RX  'LG\RXDQG\RXUVSRXVHKDYHWKHVDPHSULQFLSDOUHVLGHQFH
RU\RXUVSRXVHLIILOLQJMRLQWO\ IRUWKHODVWPRQWKVRI"
RU »ÉƔ &RQWLQXH ÅƔ 6NLSTXHVWLRQJR
8QGHUDJHDWWKHHQGRIDVWXGHQW GHILQHGODWHU DQG\RXQJHUWKDQ 䊲 WRTXHVWLRQ
\RX RU\RXUVSRXVHLIILOLQJMRLQWO\
RU  $UH\RXOHJDOO\VHSDUDWHGDFFRUGLQJWR\RXUVWDWHODZXQGHU
$Q\DJHDQGSHUPDQHQWO\DQGWRWDOO\GLVDEOHG GHILQHGODWHU DZULWWHQVHSDUDWLRQDJUHHPHQWRUDGHFUHHRIVHSDUDWH
PDLQWHQDQFHDQG\RXOLYHGDSDUWIURP\RXUVSRXVHDWWKH
AND HQGRI"
»ÉƔ &RQWLQXH ÅƔ STOP

:KRLVQ
WILOLQJDMRLQWUHWXUQIRU <RXFDQ¶WWDNHWKHFUHGLW
RULVILOLQJDMRLQWUHWXUQIRURQO\WRFODLPDUHIXQGRIZLWKKHOGLQFRPH
WD[RUHVWLPDWHGWD[SDLG VHH3XEIRUH[DPSOHV
 &RXOG\RXEHDTXDOLI\LQJFKLOGRIDQRWKHUSHUVRQIRU"
AND &KHFN³1R´LIWKHRWKHUSHUVRQLVQ
WUHTXLUHGWRILOHDQG
LVQ
WILOLQJDWD[UHWXUQRULVILOLQJDUHWXUQRQO\
WRFODLPDUHIXQGRIZLWKKHOGLQFRPHWD[RUHVWLPDWHGWD[
:KROLYHGZLWK\RXLQWKH8QLWHG6WDWHVIRUPRUHWKDQKDOIRI SDLG VHH3XEIRUH[DPSOHV 
»ÉƔ STOP ÅƔ 6NLS6WHSJRWR
6WHS
<RXFDQ
WWDNHWKH
FUHGLW(QWHU³1R´RQ
WKHGRWWHGOLQHQH[WWR
OLQHD

CDA
0HPEHUVRIWKHPLOLWDU\VWDWLRQHGRXWVLGHWKH8QLWHG6WDWHV
Ê»Æʻ ¿Â»ÈɿʾÅËÊ·˷¿¼Ï¿Ä½ VHH0HPEHUVRIWKHPLOLWDU\ODWHUEHIRUH\RXDQVZHU
»ÉƔ &RQWLQXH ÅƔ STOP
¾¿Âº 䊲
<RXFDQ
WWDNHWKHFUHGLW
 $UH\RXDPDUULHGWD[SD\HUZKRVHILOLQJVWDWXVLVPDUULHG (QWHU³1R´RQWKHGRWWHG
ILOLQJVHSDUDWHO\RUKHDGRIKRXVHKROG" OLQHQH[WWROLQHD
»ÉƔ STOP ÅƔ &RQWLQXH
䊲  $UH\RXILOLQJDMRLQWUHWXUQIRU"
<RXFDQ¶WWDNHWKH
FUHGLW »ÉƔ 6NLSTXHVWLRQV ÅƔ &RQWLQXH
DQGJRWR6WHS 䊲

 :HUH\RXRU\RXUVSRXVHLIILOLQJDMRLQWUHWXUQDWOHDVWDJH
DWWKHHQGRI"<RXRU\RXUVSRXVHLIILOLQJDMRLQW  &RXOG\RXEHDTXDOLI\LQJFKLOGRIDQRWKHUSHUVRQIRU"
UHWXUQZHUHDWOHDVWDJHDWWKHHQGRILI\RXRU &KHFN³1R´LIWKHRWKHUSHUVRQLVQ
WUHTXLUHGWRILOHDQG
\RXUVSRXVHLIILOLQJDMRLQWUHWXUQZHUHERUQEHIRUH-DQXDU\ LVQ
WILOLQJDWD[UHWXUQRULVILOLQJDUHWXUQRQO\
,I\RXUVSRXVHGLHGLQRU\RXDUHSUHSDULQJD WRFODLPDUHIXQGRIZLWKKHOGLQFRPHWD[RUHVWLPDWHGWD[
UHWXUQIRUVRPHRQHZKRGLHGLQVHH3XEEHIRUH SDLG VHH3XEIRUH[DPSOHV 
\RXDQVZHU
»ÉƔ STOP ÅƔ &RQWLQXH
»ÉƔ 6NLSTXHVWLRQV ÅƔ &RQWLQXH 䊲
DQGJRWRTXHVWLRQ 䊲 <RXFDQ
WWDNHWKH
 FUHGLW(QWHU³1R´
RQWKHGRWWHGOLQHQH[W
WROLQHD
 :HUH\RXRU\RXUVSRXVHLIILOLQJDMRLQWUHWXUQDWOHDVWDJH
DWWKHHQGRIDQGQRWDVSHFLILHGVWXGHQWLQ"
6HH6SHFLILHGVWXGHQWODWHUEHIRUH\RXDQVZHU<RXRU  &DQ\RXEHFODLPHGDVDGHSHQGHQWRQVRPHRQHHOVH
V
\RXUVSRXVHLIILOLQJDMRLQWUHWXUQZHUHDWOHDVWDJHDW WD[UHWXUQ"
WKHHQGRILI\RXRU\RXUVSRXVHLIILOLQJDMRLQWUHWXUQ »ÉƔ STOP ÅƔ *RWR6WHS
ZHUHERUQEHIRUH-DQXDU\,I\RXUVSRXVHGLHGLQ
RU\RXDUHSUHSDULQJDUHWXUQIRUVRPHRQHZKRGLHGLQ <RXFDQ
WWDNHWKH
VHH3XEEHIRUH\RXDQVZHU FUHGLW
»ÉƔ 6NLSTXHVWLRQV ÅƔ &RQWLQXH
DQGJRWRTXHVWLRQ 䊲 Ê»Æʼ ·ÈÄ»º ĹÅû
 :HUH\RXRU\RXUVSRXVHLIILOLQJDMRLQWUHWXUQDTXDOLILHG  $UH\RXILOLQJ6FKHGXOH6(EHFDXVH\RXZHUHDPHPEHURI
IRUPHUIRVWHU\RXWKRUDTXDOLILHGKRPHOHVV\RXWKDQGDW WKHFOHUJ\RU\RXKDGFKXUFKHPSOR\HHLQFRPHRI
OHDVWDJHDWWKHHQGRI"6HH4XDOLILHGIRUPHUIRVWHU RUPRUH"
\RXWKDQG4XDOLILHGKRPHOHVV\RXWKODWHUEHIRUH\RX »ÉƔ 6HH&OHUJ\RU ÅƔ &RPSOHWHWKH
DQVZHU<RXRU\RXUVSRXVHLIILOLQJDMRLQWUHWXUQZHUHDW &KXUFKHPSOR\HHV IROORZLQJZRUNVKHHW
OHDVWDJHDWWKHHQGRILI\RXRU\RXUVSRXVHLI ZKLFKHYHUDSSOLHV
ILOLQJDMRLQWUHWXUQZHUHERUQEHIRUH-DQXDU\,I
\RXUVSRXVHGLHGLQRU\RXDUHSUHSDULQJDUHWXUQIRU
VRPHRQHZKRGLHGLQVHH3XEEHIRUH\RXDQVZHU  (QWHUWKHDPRXQWIURP)RUPRU65
OLQH                          
»ÉƔ &RQWLQXH ÅƔ STOP
 (QWHUDQ\DPRXQWLQFOXGHGRQ)RUPRU

<RXFDQ
WWDNHWKHFUHGLW 65OLQHWKDWLVDWD[DEOHVFKRODUVKLSRU
IHOORZVKLSJUDQWQRWUHSRUWHGRQD)RUP
:                          
 $TXDOLILHGIRUPHUIRVWHU\RXWKPXVWFRQVHQWIRUHQWLWLHV  (QWHUDQ\DPRXQWLQFOXGHGRQ)RUPRU
ZKRDGPLQLVWHUDSODQXQGHUSDUW%RUSDUW(RIWLWOH,9RI 65OLQHWKDW\RXUHFHLYHGIRUZRUN
WKH6RFLDO6HFXULW\$FWWRGLVFORVHLQIRUPDWLRQUHODWHGWR SHUIRUPHGZKLOHDQLQPDWHLQDSHQDOLQVWLWXWLRQ
WKHLUVWDWXVDVDTXDOLILHGIRUPHUIRVWHU\RXWK7KLVFRQVHQW
(QWHU³35,´DQGWKHVDPHDPRXQWRQWKHGRWWHG
LVJLYHQE\FKHFNLQJWKHER[RQOLQHD4XDOLILHG
KRPHOHVV\RXWKDUHUHTXLUHGWRFHUWLI\WKDWWKH\DUH OLQHQH[WWR)RUPRU65OLQH   
XQDFFRPSDQLHGKRPHOHVVRUDWULVNRIKRPHOHVVQHVVDQG  (QWHUDQ\DPRXQWLQFOXGHGRQ)RUPRU
VHOIVXSSRUWLQJE\FKHFNLQJWKHER[RQOLQHD'LG\RX 65OLQHWKDW\RXUHFHLYHGDVDSHQVLRQRU
FKHFNWKHER[RQOLQHD" DQQXLW\IURPDQRQTXDOLILHGGHIHUUHG
FRPSHQVDWLRQSODQRUDQRQJRYHUQPHQWDOVHFWLRQ
»ÉƔ &RQWLQXH ÅƔ STOP SODQ (QWHU³')&´DQGWKHVDPHDPRXQWRQ

<RXFDQ¶WWDNHWKHFUHGLW WKHGRWWHGOLQHQH[WWR)RUPRU65
OLQH 7KLVDPRXQWPD\EHVKRZQLQER[RI
)RUP:,I\RXUHFHLYHGVXFKDQDPRXQWEXW
 :DV\RXUPDLQKRPHDQG\RXUVSRXVH
VLIILOLQJDMRLQW ER[LVEODQNFRQWDFW\RXUHPSOR\HUIRUWKH
UHWXUQLQWKH8QLWHG6WDWHVIRUPRUHWKDQKDOIRI" DPRXQWUHFHLYHG                   

CDA
 (QWHUDQ\DPRXQWLQFOXGHGRQ)RUPRU ‡ 1RTXDOLI\LQJFKLOGUHQZKRKDYHYDOLG661VLV\RXU
65OLQHWKDWLVD0HGLFDLGZDLYHUSD\PHQW
HDUQHGLQFRPHOHVVWKDQ LIPDUULHG
\RXH[FOXGHIURPLQFRPH VHHWKHLQVWUXFWLRQVIRU
ILOLQJMRLQWO\ "
6FKHGXOHOLQH] XQOHVV\RXFKRRVHWRLQFOXGH »ÉƔ *RWR6WHS ÅƔ STOP
WKLVDPRXQWLQHDUQHGLQFRPHLQZKLFKFDVH
HQWHU                           <RXFDQ
WWDNHWKHFUHGLW
 $GGOLQHVDQG                 
 6XEWUDFWOLQHIURPOLQH               
Ê»Æʽ ÅÍÅ ¿½ËÈ»ʾ»È»º¿Ê
 (QWHUDOORI\RXUQRQWD[DEOHFRPEDWSD\LI\RXHOHFW
WRLQFOXGHLWLQHDUQHGLQFRPH$OVRHQWHUWKHDPRXQW  'R\RXZDQWWKH,56WRILJXUHWKHFUHGLWIRU\RX"
RI\RXUQRQWD[DEOHFRPEDWSD\RQOLQHERI)RUP »ÉƔ 6HH&UHGLWILJXUHG ÅƔ *RWR:RUNVKHHW$
RU656HH&RPEDWSD\ E\WKH,56ODWHU
QRQWD[DEOHODWHU                     
»¼¿Ä¿Ê¿ÅÄɷĺƻ¹¿·ÂË»É
(OHFWLQJWRLQFOXGHQRQWD[DEOHFRPEDWSD\PD\LQFUHDVHRU $GRSWHGFKLOG $QDGRSWHGFKLOGLVDOZD\VWUHDWHGDV\RXURZQ
GHFUHDVH\RXU(,&)LJXUHWKHFUHGLWZLWKDQGZLWKRXW\RXUQRQWD[DEOH FKLOG $Q DGRSWHG FKLOG LQFOXGHV D FKLOG ODZIXOO\ SODFHG ZLWK
FRPEDWSD\EHIRUHPDNLQJWKHHOHFWLRQ
\RXIRUOHJDODGRSWLRQ
 $GGOLQHVDQG
7KLVLV\RXUHDUQHGLQFRPH             
<RXPD\HOHFWWRXVH\RXUHDUQHGLQFRPHWRILJXUH\RXU(,&LI\RXU
HDUQHGLQFRPHLVPRUHWKDQ\RXUHDUQHGLQFRPH)RUGHWDLOV
VHH3XE,I\RXPDNHWKLVHOHFWLRQVNLSTXHVWLRQDQGJRWRTXHVWLRQ


(OHFWLQJWRXVH\RXUHDUQHGLQFRPHPD\LQFUHDVHRU
GHFUHDVH\RXU(,&)LJXUHWKHFUHGLWXVLQJ\RXUHDUQHGLQFRPH
7KHQILJXUHWKHFUHGLWXVLQJ\RXUHDUQHGLQFRPH&RPSDUHWKH
DPRXQWVEHIRUHPDNLQJWKHHOHFWLRQ

<RXFDQ
WXVH\RXUHDUQHGLQFRPHLQVWHDGRI\RXU
HDUQHGLQFRPH<RXFDQRQO\XVH\RXUHDUQHGLQFRPHLILWLVPRUH
WKDQ\RXUHDUQHGLQFRPH
,I\RXPDNHWKHHOHFWLRQWRXVH\RXUHDUQHGLQFRPHWRILJXUH\RXU
(,&HQWHU\RXUHDUQHGLQFRPHRQOLQHF

,I\RXDUHXVLQJ\RXUHDUQHGLQFRPHWRILJXUH\RXU
(,&DQG\RXHOHFWHGWRLQFOXGHQRQWD[DEOHFRPEDWSD\EHVXUHWRXVH
QRQWD[DEOHFRPEDWSD\DQGHQWHUWKDWDPRXQWRQOLQHE

 :HUH\RXVHOIHPSOR\HGDWDQ\WLPHLQRUDUH\RX
ILOLQJ6FKHGXOH6(EHFDXVH\RXZHUHDPHPEHURIWKH
FOHUJ\RU\RXKDGFKXUFKHPSOR\HHLQFRPHRUDUH\RX
ILOLQJ6FKHGXOH&DVDVWDWXWRU\HPSOR\HH"
»ÉƔ 6NLSTXHVWLRQ ÅƔ &RQWLQXH
DQG6WHSJRWR 䊲
:RUNVKHHW%

 ,I\RXKDYH
‡ RUPRUHTXDOLI\LQJFKLOGUHQZKRKDYHYDOLG661VLV
\RXUHDUQHGLQFRPHOHVVWKDQ LI
PDUULHGILOLQJMRLQWO\ "
‡ TXDOLI\LQJFKLOGUHQZKRKDYHYDOLG661VLV\RXU
HDUQHGLQFRPHOHVVWKDQ LIPDUULHG
ILOLQJMRLQWO\ "
‡ TXDOLI\LQJFKLOGZKRKDVDYDOLG661LV\RXUHDUQHG
LQFRPHOHVVWKDQ LIPDUULHGILOLQJ
MRLQWO\ "

CDA
»¹ÅÌ»ÈÏ»¸·Ê»È»º¿ÊÅÈÁɾ»»ÊƳ¿Ä»ʺʷ
»¼ÅÈ»ÏÅ˸»½¿ÄƓ 6HHWKHLQVWUXFWLRQVIRUOLQHWRILQGRXWLI\RXFDQWDNHWKLVFUHGLWDQGIRUGHILQLWLRQVDQGRWKHU
LQIRUPDWLRQQHHGHGWRILOORXWWKLVZRUNVKHHW
,I\RXUHFHLYHG1RWLFH&KDYHLWDYDLODEOH
'RQ¶WLQFOXGHRQOLQHDQ\DPRXQW\RXUHFHLYHGEXWODWHUUHWXUQHGWRWKH,56
,I\RXFDQ
WWDNHWKHUHFRYHU\UHEDWHFUHGLW\RXGRQ
WKDYHWRUHSD\DQ\DPRXQWRI(,3RQ)RUPRU
65
 &DQ\RXEHFODLPHGDVDGHSHQGHQWRQDQRWKHUSHUVRQ
VUHWXUQ",IILOLQJDMRLQWUHWXUQJRWROLQH
X 1R *RWROLQH
<HV STOP <RXFDQ
WWDNHWKHFUHGLW'RQ¶WFRPSOHWHWKHUHVWRIWKLVZRUNVKHHWDQG
GRQ¶WHQWHUDQ\DPRXQWRQOLQH
 'RHV\RXUUHWXUQLQFOXGHDVRFLDOVHFXULW\QXPEHUWKDWZDVLVVXHGRQRUEHIRUHWKHGXHGDWHRI\RXU
UHWXUQ LQFOXGLQJH[WHQVLRQV IRU\RXDQGLIILOLQJDMRLQWUHWXUQ\RXUVSRXVH"
X <HV *RWROLQH
1R ,I\RXDUHILOLQJDMRLQWUHWXUQJRWROLQH
,I\RXDUHQ
WILOLQJDMRLQWUHWXUQJRWROLQH
 :DVDWOHDVWRQHRI\RXDPHPEHURIWKH86$UPHG)RUFHVDWDQ\WLPHGXULQJDQGGRHVDWOHDVWRQHRI\RX
KDYHDVRFLDOVHFXULW\QXPEHUWKDWZDVLVVXHGRQRUEHIRUHWKHGXHGDWHRI\RXUUHWXUQ LQFOXGLQJH[WHQVLRQV "
<HV <RXUFUHGLWLVQRWOLPLWHG*RWROLQH
1R *RWROLQH
 'RHVRQHRI\RXKDYHDVRFLDOVHFXULW\QXPEHUWKDWZDVLVVXHGRQRUEHIRUHWKHGXHGDWHRI\RXUUHWXUQ
LQFOXGLQJH[WHQVLRQV "
<HV <RXUFUHGLWLVOLPLWHG*RWROLQH
1R *RWROLQH
 'R\RXKDYHDQ\GHSHQGHQWVOLVWHGLQWKH'HSHQGHQWVVHFWLRQRQSDJHRI)RUPRU65IRUZKRP\RX
HQWHUHGDVRFLDOVHFXULW\QXPEHUWKDWZDVLVVXHGRQRUEHIRUHWKHGXHGDWHRI\RXUUHWXUQ LQFOXGLQJ
H[WHQVLRQV RUDQDGRSWLRQWD[SD\HULGHQWLILFDWLRQQXPEHU"
<HV (QWHU]HURRQOLQHDQGJRWROLQH
1R STOP <RXFDQ¶WWDNHWKHFUHGLW'RQ¶WFRPSOHWHWKHUHVWRIWKLVZRUNVKHHWDQG
GRQ¶WHQWHUDQ\DPRXQWRQOLQH
 (QWHU
‡ LIVLQJOHKHDGRIKRXVHKROGPDUULHGILOLQJVHSDUDWHO\RUTXDOLI\LQJZLGRZ HU 
‡ LIPDUULHGILOLQJMRLQWO\DQG\RXDQVZHUHG³<HV´WRTXHVWLRQRU
‡ LIPDUULHGILOLQJMRLQWO\DQG\RXDQVZHUHG³<HV´WRTXHVWLRQRU                              1,400
 0XOWLSO\E\WKHQXPEHURIGHSHQGHQWVOLVWHGLQWKH'HSHQGHQWVVHFWLRQRQSDJHRI)RUPRU
65IRUZKRP\RXHQWHUHGDVRFLDOVHFXULW\QXPEHUWKDWZDVLVVXHGRQRUEHIRUHWKHGXHGDWHRI\RXU
UHWXUQ LQFOXGLQJH[WHQVLRQV RUDQDGRSWLRQWD[SD\HULGHQWLILFDWLRQQXPEHU                                
 $GGOLQHVDQG                                                                               1,400
 ,VWKHDPRXQWRQOLQHRI)RUPRU65PRUHWKDQWKHDPRXQWVKRZQEHORZIRU\RXUILOLQJVWDWXV"
‡ 6LQJOHRU0DUULHGILOLQJVHSDUDWHO\²
‡ 0DUULHGILOLQJMRLQWO\RUTXDOLI\LQJZLGRZ HU ²
‡ +HDGRIKRXVHKROG²
<HV (QWHUWKHDPRXQWIURPOLQHRI)RUPRU65DQGJRWROLQH                        
X 1R (QWHUWKHDPRXQWIURPOLQHRQOLQHDQGVNLSOLQHVDQG
 ,VOLQHPRUHWKDQWKHDPRXQWVKRZQEHORZIRU\RXUILOLQJVWDWXV"
‡ 6LQJOHRUPDUULHGILOLQJVHSDUDWHO\²
‡ 0DUULHGILOLQJMRLQWO\RUTXDOLI\LQJZLGRZ HU ²
‡ +HDGRIKRXVHKROG²
<HV STOP <RXFDQ¶WWDNHWKHFUHGLW'RQ¶WFRPSOHWHWKHUHVWRIWKLVZRUNVKHHWDQG
GRQ¶WHQWHUDQ\DPRXQWRQOLQH
1R 6XEWUDFWOLQHIURPWKHDPRXQWVKRZQDERYHIRU\RXUILOLQJVWDWXV                               
 'LYLGHOLQHE\WKHDPRXQWVKRZQEHORZIRU\RXUILOLQJVWDWXV(QWHUWKHUHVXOWDVDGHFLPDO URXQGHGWRDWOHDVW
SODFHV 
‡ 6LQJOHRUPDUULHGILOLQJVHSDUDWHO\²
‡ 0DUULHGILOLQJMRLQWO\RUTXDOLI\LQJZLGRZ HU ²
‡ +HDGRIKRXVHKROG²                                                                   
 0XOWLSO\OLQHE\OLQH                                                                         1,400
 (QWHUWKHDPRXQWLIDQ\RI(,3WKDWZDVLVVXHGWR\RX,IILOLQJDMRLQWUHWXUQLQFOXGHWKHDPRXQWLIDQ\RI
\RXUVSRXVH¶V(,3<RXPD\UHIHUWR1RWLFH&RU\RXUWD[DFFRXQWLQIRUPDWLRQDW,56JRY$FFRXQWIRUWKH
DPRXQWWRHQWHUKHUH                                                                            
 5HFRYHU\UHEDWHFUHGLW6XEWUDFWOLQHIURPOLQH,I]HURRUOHVVHQWHU,IOLQHLVPRUHWKDQOLQH
\RXGRQ¶WKDYHWRSD\EDFNWKHGLIIHUHQFH(QWHUWKHUHVXOWKHUHDQGLIPRUHWKDQ]HURRQOLQHRI)RUPRU
65                                                                                      1,400

CDA

You might also like