)RULQFUHDVHGHQHUJ\HIILFLHQF\VRPH
ZDWHUKHDWHUVKDYHEHHQVXSSOLHGZLWK
WZR´VHFWLRQVRISLSHLQVXODWLRQ
3OHDVHLQVWDOOWKHLQVXODWLRQDFFRUGLQJ
WRWKHLOOXVWUDWLRQVDERYHWKDWEHVWPHHWV
\RXUUHTXLUHPHQWV
7\SLFDOYHUWLFDOSLSLQJDUUDQJHPHQW
7\SLFDOKRUL]RQWDOSLSLQJDUUDQJHPHQW
+RWDQG&ROG3LSH,QVXODWLRQ,QVWDOODWLRQ
,QVXODWLRQEODQNHWVDYDLODEOHWRWKH
JHQHUDOSXEOLFIRUH[WHUQDOXVHRQHOHFWULF
ZDWHUKHDWHUVDUHQRWQHFHVVDU\7KH
SXUSRVHRIDQLQVXODWLRQEODQNHWLVWR
UHGXFHWKHVWDQGE\KHDWORVVHQFRXQWHUHG
ZLWKVWRUDJHWDQNKHDWHUV7KLVZDWHU
KHDWHUPHHWVRUH[FHHGVWKH1DWLRQDO
$SSOLDQFH(QHUJ\&RQVHUYDWLRQ$FW
VWDQGDUGVZLWKUHVSHFWWRLQVXODWLRQDQG
VWDQGE\ORVVUHTXLUHPHQWVPDNLQJDQ
LQVXODWLRQEODQNHWXQQHFHVVDU\
7KHPDQXIDFWXUHU¶VZDUUDQW\GRHVQRW
FRYHUDQ\GDPDJHRUGHIHFWFDXVHGE\
LQVWDOODWLRQDWWDFKPHQWRUXVHRI
DQ\W\SHRIHQHUJ\VDYLQJRURWKHU
XQDSSURYHGGHYLFHVRWKHUWKDQWKRVH
DXWKRUL]HGE\WKHPDQXIDFWXUHULQWRRQWR
RULQFRQMXQFWLRQZLWKWKHZDWHUKHDWHU
7KHXVHRIXQDXWKRUL]HGHQHUJ\VDYLQJ
GHYLFHVPD\VKRUWHQWKHOLIHRIWKHZDWHU
KHDWHUDQGPD\HQGDQJHUOLIHDQGSURSHUW\
7KHPDQXIDFWXUHUGLVFODLPVDQ\
UHVSRQVLELOLW\IRUVXFKORVVRULQMXU\
UHVXOWLQJIURPWKHXVHRIVXFK
XQDXWKRUL]HGGHYLFHV
!
&$87,21,IORFDOFRGHVUHTXLUHWKH
DSSOLFDWLRQRIDQH[WHUQDOLQVXODWLRQ
EODQNHWWRWKLVZDWHUKHDWHUSD\FDUHIXO
DWWHQWLRQWRWKHIROORZLQJVRDVQRWWR
UHVWULFWWKHSURSHUIXQFWLRQDQG
RSHUDWLRQRIWKHZDWHUKHDWHU
z'RQRWFRYHUWKHRSHUDWLQJRUZDUQLQJ
ODEHOVDWWDFKHGWRWKHZDWHUKHDWHURU
DWWHPSWWRUHORFDWHWKHPRQWKHH[WHULRU
RILQVXODWLRQEODQNHW
z'RQRWDSSO\LQVXODWLRQWRWKHWRSRI
WKHZDWHUKHDWHU7KLVFRXOGLQWHUIHUH
ZLWKWKHVDIHRSHUDWLRQRIWKHHOHFWULFDO
MXQFWLRQER[
z'RQRWFRYHUWKHMDFNHWDFFHVVSDQHOV
WRWKHWKHUPRVWDWVDQGKHDWLQJ
HOHPHQWVYDFXXPYDOYHRUSUHVVXUH
DQGWHPSHUDWXUHUHOLHIYDOYH
z,QVSHFWWKHLQVXODWLRQEODQNHWIUHTXHQWO\
!
:$51,1*,IORFDO
FRGHVUHTXLUHH[WHUQDO
DSSOLFDWLRQRILQVXODWLRQ
EODQNHWNLWVWKH
PDQXIDFWXUHU¶VLQVWUXFWLRQV
LQFOXGHGZLWKWKHNLWPXVW
EHFDUHIXOO\IROORZHG
,QVXODWLRQ%ODQNHWV
,QVWDOOLQJWKHZDWHUKHDWHU
1RWLFH'RQRWFRYHURU
EORFNRSHQLQJRQYDFXXP
YDOYH
9DFXXP
9DOYH
9DFXXP
9DOYH