86,1*7+(',6+:$6+(5
'LVSHQVHUV
'HWHUJHQW'LVSHQVHU
7RRSHQSUHVVWKHEXWWRQDQGWKHFRYHUZLOOIOLSEDFN
7KHGHWHUJHQWGLVSHQVHUKDVWZRFRPSDUWPHQWV7KH
SUHZDVKFRPSDUWPHQWLVWKHVPDOOHUFRPSDUWPHQWRQ
WKHOHIWVLGH8VHWKHSUHZDVKFRPSDUWPHQWRQO\ZKHQ
\RXUZDWHULVH[WUHPHO\KDUGRUZKHQ\RXKDYHDKHDY\
VRLOHGORDG7KHSUHZDVKFRPSDUWPHQWLVQRWXVHG
ZKHQWDEOHWRUSDFNHWGHWHUJHQWVDUHXVHG
127('RQRWEORFNGHWHUJHQWGLVSHQVHUZLWKODUJHRU
WDOOXWHQVLOV
<RXPD\XVHWDEOHWSDFNHWSRZGHUOLTXLGRUJHODXWRPDWLF
GLVKZDVKHUGHWHUJHQW0DNHVXUH\RXXVHRQO\GHWHUJHQWV
VSHFLILFDOO\ODEHOHGIRUXVHLQDXWRPDWLFGLVKZDVKHUV1HYHU
XVHOLTXLGKDQGGLVKGHWHUJHQWLQDQDXWRPDWLFGLVKZDVKHU
6XGVLQJDQGSRRUZDVKSHUIRUPDQFHZLOOUHVXOWZLWKWKHXVH
RILPSURSHUGHWHUJHQWV
'HWHUJHQWVVKRXOGEHVWRUHGLQDGU\ORFDWLRQDQGLQWKHLU
RULJLQDOFRQWDLQHUWRSUHYHQWORVVRIHIIHFWLYHQHVV3ODFH
GHWHUJHQWLQWKHFXSMXVWSULRUWRVWDUWLQJWKHGLVKZDVKHU
DQGWKHQFORVHWKHFRYHU7KHFRYHUZLOORSHQGXULQJWKH
ZDVKF\FOH
)LOOLQJWKH'HWHUJHQW'LVSHQVHU
:HUHFRPPHQGXVLQJGHWHUJHQWLQWDEOHWRUSDFNHW
IRUP,QGHSHQGHQWWHVWLQJKDVVKRZQWKLVIRUPRI
GHWHUJHQWLVYHU\HIIHFWLYHLQWKHGLVKZDVKHU)LQLVK
4XDQWXP
3RZHUEDOO
LVDQH[DPSOHRIWKLVW\SHRI
GHWHUJHQW6LPSO\SXWDWDEOHWRUSDFNHWLQWRWKHPDLQ
ZDVKFRPSDUWPHQWDQGFORVHWKHGHWHUJHQWFXSFRYHU
3OHDVHQRWLFHWKDWWKHWDEOHWRUSDFNHWPXVWEHSODFHGLQ
WKHPDLQZDVKFRPSDUWPHQWRIWKHGHWHUJHQWFXS,IWKH
WDEOHWRUSDFNHWLVSODFHGLQWKHSUHZDVKFRPSDUWPHQWRU
WRVVHGLQWKHERWWRPRIWKHGLVKZDVKHUWKHGHWHUJHQWZLOO
EHIOXVKHGGRZQWKHGUDLQLQDYHU\VKRUWSHULRGRIWLPH
DQGZLOOWKXVEHZDVWHG:DVKSHUIRUPDQFHZLOOEHYHU\
SRRUDVDUHVXOW
,I\RXFKRRVHWRXVHGHWHUJHQWLQSRZGHUOLTXLGRUJHO
IRUPWKHDPRXQWRIGHWHUJHQW\RXXVHZLOOEHGHWHUPLQHG
E\WKHKDUGQHVVRI\RXUZDWHUWKHWHPSHUDWXUHRI\RXU
ZDWHUDQGWKHIRRGVRLOORDGLQVLGHWKHGLVKZDVKHU
&RQWDFW\RXUZDWHUFRPSDQ\WRJHWLQIRUPDWLRQDERXWWKH
KDUGQHVVRIWKHZDWHULQ\RXUDUHD:DWHUKDUGQHVVLV
PHDVXUHGLQJUDLQVSHUJDOORQ8VHWKLVLQIRUPDWLRQDQG
WKHWDEOHDERYHWRGHWHUPLQHWKHDPRXQWRIGHWHUJHQWWR
XVH<RXPD\SXUFKDVHDKDUGZDWHUWHVWVWULSIURP
*($SSOLDQFHV&DOODQGDVNIRUSDUW
QXPEHU:';,Q&DQDGDFDOO
8VHWKHWDEOHDVDVWDUWLQJSRLQWDQGWKHQDGMXVWWKH
DPRXQWRIGHWHUJHQW\RXXVH8VHMXVWHQRXJKWRJHW
JRRGZDVKSHUIRUPDQFH8VLQJMXVWWKHULJKWDPRXQWRI
GHWHUJHQWZLOOSURYLGHJUHDWZDVKSHUIRUPDQFHZLWKRXW
ZDVWLQJGHWHUJHQWRUHWFKLQJJODVVZDUH
8VLQJWRRPXFKGHWHUJHQWZLWKYHU\VRIWDQGRUYHU\
KRWZDWHUPD\FDXVHDFRQGLWLRQFDOOHGHWFKLQJRQ\RXU
JODVVZDUH(WFKLQJLVDSHUPDQHQWFORXGLQHVVLQ\RXU
JODVVZDUH7KLVFRQGLWLRQLVLUUHYHUVLEOH+RZHYHUXVLQJ
WRROLWWOHGHWHUJHQWZLOOFDXVHSRRUZDVKSHUIRUPDQFH
'212786(+$1'',6+'(7(5*(17
127(8VLQJDGHWHUJHQWWKDWLVQRWVSHFLILFDOO\GHVLJQHG
IRUGLVKZDVKHUVZLOOFDXVHWKHGLVKZDVKHUWRILOOZLWKVXGV
'XULQJRSHUDWLRQWKHVHVXGVZLOOVSLOORXWRIWKHGLVKZDVKHU
YHQWVFRYHULQJWKHNLWFKHQIORRUDQGPDNLQJWKHIORRUZHW
%HFDXVHVRPDQ\GHWHUJHQWFRQWDLQHUVORRNDOLNH
VWRUHWKHGLVKZDVKHUGHWHUJHQWLQDVHSDUDWHVSDFH
IURPDOORWKHUFOHDQHUV6KRZDQ\RQHZKRPD\XVHWKH
GLVKZDVKHUWKHFRUUHFWGHWHUJHQWDQGZKHUHLWLVVWRUHG
:KLOHWKHUHZLOOEHQRODVWLQJGDPDJHWRWKHGLVKZDVKHU
\RXUGLVKHVZLOOQRWJHWFOHDQXVLQJDGLVKZDVKLQJ
GHWHUJHQWWKDWLVQRWIRUPXODWHGIRUDXWRPDWLFGLVKZDVKHUV
1XPEHURI
*UDLQV*DO
'HWHUJHQW&XSVWR)LOO
/HVVWKDQ )LOOPDLQFXSWROLQH
WR )LOOPDLQFXSWROLQH
*UHDWHUWKDQ
)LOOERWKPDLQFXS
DQGSUHZDVKFXS
3UH:DVK
5LQVH
$JHQW
0DLQ:DVK
'HWHUJHQW
'LVSHQVHU