9DOYHJHDU²/XEULFDWLRQ

3UHFRQGLWLRQV
䖵 (QJLQHLVVWRSSHGDQGVWDUWLQJGLVDEOHG

6SHFLDOWRROV0DWHULDO6SDUHSDUWV
'HVLJQDWLRQ8VH 3DUW1R 4W\
(QJLQHRLO

9DOYHJHDU²/XEULFDWLRQ
 5HPRYHF\OLQGHUKHDGFRYHUVˢ3DJH
 )LOORLOFKDPEHUVRIYDOYHEULGJHVZLWKRLO
 )LOORLOFKDPEHUVRIURFNHUDUPVDQGDGMXVWLQJ
VFUHZVZLWKRLO
 ,QVWDOOF\OLQGHUKHDGFRYHUVˢ3DJH

7,0,'

 _ 9DOYH'ULYH _ 0(

  9DOYHFOHDUDQFH²&KHFNDQGDGMXVWPHQW
3UHFRQGLWLRQV
䖵 (QJLQHLVVWRSSHGDQGVWDUWLQJGLVDEOHG
䖵 (QJLQHFRRODQWWHPSHUDWXUHLVPD[ƒ&
䖵 9DOYHVDUHFORVHG

6SHFLDOWRROV0DWHULDO6SDUHSDUWV
'HVLJQDWLRQ8VH 3DUW1R 4W\
)HHOHUJDXJH < 
9DOYHVHWWLQJJDXJH < 
$QJXODUVFUHZGULYHU ) 
7RUTXHZUHQFK²1P ) 
6RFNHWZUHQFKPP ) 
(QJLQHRLO

3UHSDUDWRU\VWHSV
 5HPRYHF\OLQGHUKHDGFRYHUVˢ3DJH
 ,QVWDOOEDUULQJWRROˢ3DJH
1RWH 3RLQWHULVORFDWHGLQWKHORZHURSHQLQJRI
WKHIO\ZKHHOKRXVLQJDUURZ
 8VHEDUULQJWRROWRWXUQFUDQNVKDIWLQGLUHF
WLRQRIURWDWLRQXQWLOPDUNLQJ27$RQWKH
UHDUVLGHRIWKHIO\ZKHHOKRXVLQJDQGSRLQW
HUDUHDOLJQHG
7,0,'

0( _ 9DOYH'ULYH _ 

 1RWH 'DQJHURIFRQIXVLRQ7KHUHPLJKWEHDQDGGL
WLRQDO27$PDUNRQWKHRXWHUSHULPHWHU
RIWKHIO\ZKHHO
 7KHDGGLWLRQDO27$PDUNLIDSSOLFDEOH
RQWKHRXWHUSHULPHWHURIWKHIO\ZKHHOPXVW
QRWEHXVHGIRUUHIHUHQFH

'LDJUDPIRU9HQJLQHV²7ZR
FUDQNVKDIWSRVLWLRQV

'LDJUDPIRU9HQJLQHV²7ZR
FUDQNVKDIWSRVLWLRQV
7,0,'

 _ 9DOYH'ULYH _ 0(

 'LDJUDPIRU9HQJLQHV²7ZR
FUDQNVKDIWSRVLWLRQV

'LDJUDPIRU9HQJLQHV²7ZR
FUDQNVKDIWSRVLWLRQV

&KHFNLQJYDOYHFOHDUDQFHDWWZRFUDQNVKDIWSRVLWLRQV
 &KHFN7'&SRVLWLRQRISLVWRQLQF\OLQGHU$
‡ ,IWKHURFNHUDUPVDUHXQORDGHGRQF\OLQGHU$WKHSLVWRQLVLQILULQJ7'&
‡ ,IWKHURFNHUDUPVDUHXQGHUORDGRQF\OLQGHU$WKHSLVWRQLVLQRYHUODS7'&
 &KHFNYDOYHFOHDUDQFHDGMXVWPHQWZLWKFROGHQJLQH
‡ ,QOHWYDOYHVORQJURFNHUDUP PP“PP
‡ ([KDXVWYDOYHVVKRUWURFNHUDUP PP“PP
 &KHFNDOOYDOYHFOHDUDQFHVLQWZRFUDQNVKDIWSRVLWLRQVILULQJ7'&DQGRYHUODS7'&RIF\OLQGHU$DVSHU
GLDJUDP
7,0,'

 &\OLQGHU$LVLQILULQJ7'&
 &\OLQGHU$LVLQRYHUODS7'&
, ,QOHWYDOYH
; ([KDXVWYDOYH
 8VHYDOYHVHWWLQJJDXJHRUIHHOHUJDXJHWRGHWHUPLQHWKHGLVWDQFHEHWZHHQYDOYHEULGJHDQGURFNHUDUP
 ,IWKHGHYLDWLRQIURPWKHVHWYDOXHH[FHHGVPPDGMXVWYDOYHFOHDUDQFH

0( _ 9DOYH'ULYH _ 

 $GMXVWLQJYDOYHFOHDUDQFH
 5HOHDVHORFNQXW
 ,QVHUWYDOYHVHWWLQJJDXJHEHWZHHQYDOYH
EULGJHDQGURFNHUDUP
1RWH 5HSODFHRUUHFWLI\DGMXVWLQJVFUHZVDQGRU
ORFNQXWVZKLFKGRQRWPRYHIUHHO\
 8VLQJDQJXODUVFUHZGULYHUVHWDGMXVWLQJ
VFUHZVRWKDWWKHVSHFLILHGYDOYHFOHDU
DQFHLVSURYLGHG
1RWH 9DOYHVHWWLQJJDXJHPXVWMXVWSDVVWKURXJK
WKHJDS
 3DVVYDOYHVHWWLQJJDXJHEHWZHHQYDOYH
EULGJHDQGURFNHUDUP

 7LJKWHQORFNQXWWRVSHFLILHGWRUTXHXVLQJDWRUTXHZUHQFKKROGLQJWKHDGMXVWLQJVFUHZLQSODFHWR

SUHYHQWLWIURPWXUQLQJ
1DPH 6L]H 7\SH /XEULFDQW 9DOXH6WDQGDUG
/RFNQXW 0[ 7LJKWHQLQJWRUTXH (QJLQHRLO 1P1P

 &KHFNYDOYHFOHDUDQFHDGMXVWDVQHFHVVDU\

)LQDOVWHSV
 5HPRYHEDUULQJWRROˢ3DJH
 ,QVWDOOF\OLQGHUKHDGFRYHUVˢ3DJH

7,0,'

 _ 9DOYH'ULYH _ 0(