6725$*(
)RU ORQJ WHUP VWRUDJH HLWKHU GUDLQ JDVROLQH IURP
IXHO WD QN RU XVH D IXHO D GGLWLYH EHIRUH VWRULQJ 7R
GUDLQ JDVROLQH UHIHU WR 'UDLQLQJ *DVROLQH ) URP )XHO
7DQN SDJH $IWHU IXHO LV GUDLQHG VWDUW HQJLQH DQG
OHW LW LGOH XQWLO DOO IXHO LV FRQVXPHG DQG HQJLQH VWRSV
5HSHDW WKH VWDUWLQJ SURFHGXUH WZR PRUH WLPHV WR HQ
VXUH DOO JDV LV UHPRYHG IURP WKH HQJLQH ,I JDVROLQH
LV QRW GUDLQHG JXPOLNH YDUQLVK GHSRVLWV ZLOO IRUP
DQG FDXVH SRRU HQJLQH RSHUDWLRQ HYHQ VWDUWLQJ
SUREOHPV
)XHO FDQ EH OHIW LQ JDV WDQN RQO\ LI D IXHO DGGLWLYH
VXFK DV 7RURV 6WDELOL]HU&RQGLWLRQHU LV DGGHG WR
JDVROLQH EHIRUH VWRULQJ 7RURV 6WDELOL]HU&RQGLWLRQHU
LV D SHWUROHXP GLVWLOODWH EDVHG FRQGLWLRQHUVWDELOL]HU
7RUR GRHV QRW UHFRPPHQG VWDELOL]HUV ZLWK DQ DOFRKRO
EDVH VXFK DV HWKDQRO PHWKDQRO RU LVRSURS\O 8VH
IXHO DGGLWLYH LQ UHFRPPHQGHG TXDQWLWLHV DV VSHFLILHG
RQ FRQWDLQHU
8QGHU QRUPDO FRQGLWLRQV IXHO DGGLWLYHV UHPDLQ HIIHF
WLYH LQ IXHO IRU PRQWKV
5HPRYH ZLUH IURP VSDUN SOXJ DQG FOHDQ DUHD
DURXQG WKH SOXJ VR IRUHLJQ PDWWHU FDQQRW IDOO LQWR
F\OLQGHU ZKHQ SOXJ LV UHPRYHG 1H[W UHPRYH SOXJ
IURP F\OLQGHU KHDG DQG SRXU WZR WDEOHVSRRQV RI HQ
JLQH RLO LQWR VSDUN SOXJ KROH 5RWDWH HQJLQH E\ KDQG
WR GLVWULEXWH RLO RQ LQVLGH RI F\OLQGHU 7KHQ UHLQVWDOO
VSDUN SOXJ DQG WLJKWHQ LW WR IWOE 1iP ' 2
127 5(,167 $// :,5( 21 63$5. 3/8*
'UDLQ RLO IURP FUDQNFDVH UHIHU WR &KDQJLQJ
&UDQNFDVH 2LO SDJH +RZHYHU GR QRW ILOO FUDQN
FDVH ZLWK RLO DW WKLV WLPH
5HPRYH EDWWHU\ IURP FKDVVLV UHIHU WR $FWLYDWLQJ
DQG &KDUJLQJ %DWWHU\ SDJH 5HPRYH FRUURVLRQ
IURP EDWWHU\ WHUPLQDO DQG ZLSH DQ\ JUHDVH DQG GLUW
RII W KH EDWWHU\ FDVH &KHFN OHYHO RI HOHFWURO\WH ,I OHYHO
LV ORZ DGG GLVWLOOHG ZDWHU WR WKH DIIHFWHG FHOO )LOO RQO\
WR WKH k833(5l ILOO OLQH RQ VLGH RI EDWWHU\ 5HLQVWDOO
ILOOHU FDSV
&OHDQ GLUW DQG FKDII IURP RXWVLGH RI F\OLQGHU F\O
LQGHU KHDG ILQV DQG EORZHU KRXVLQJ $OVR UHPRYH
JUDVV FOLSSLQJV GLUW DQG JULPH IURP H[WHUQDO SDUWV RI
ULGHU HQJLQH VKURXGLQJ D QG WRS RI PRZHU KRXVLQJ
&OHDQ XQGHUVLGH RI PRZHU KRXVLQJ UHIHU WR
&OHDQLQJ 8QGHUVLGH RI 0RZHU +RXVLQJ SDJH
&KHFN FRQGLWLRQ RI EODGH UHIHU WR 6HUYLFLQJ &XW
WHU %ODGH SDJH
&KHFN DQG WLJKWHQ DOO FDS VFUHZV EROWV VFUHZV
QXWV DQG PDWLQJ SDUWV ,I DQ\ SDUW LV GDPDJHG UH
SDLU RU UHSODFH LW
/XEULFDWH ZKHHOV DQG VSLQGOHV ZLWK JUHDVH UHIHU
WR *UHDVH )URQW $[OH 6S LQGOHV DQG :KHHOV SD JH
5HPRYH GXVW DQG GLUW IURP DLU FOHDQHU HOHPHQW
UHIHU WR 6HUYLFLQJ $LU &OHDQHU SDJH
7RXFK XS DOO UXVWHG RU FKLSS HG SDLQW VXUIDFHV
0DNH VXUH WR VDQG DIIHFWHG DUHD EHIRUH SDLQWLQJ
1RWH 7252 5H.RWH kWRXFKXSl SDLQW LV DYDLODEOH
IURP DQ\ $XWKRUL]HG 7252 6HUYLFH 'HDOHU
)LOO FUDQNFDVH ZLWK RLO UHIHU WR )LOO &UDQNFDVH
:LWK 2LO SDJH
,QVWDOO WKH EDWWHU\ UHIHU WR $FWLYDWLQJ DQG &KDUJ
LQJ %DWWHU\ SDJH
6WRUH WKH ULGHU LQ D FOHDQ GU\ JDUDJH RU VWRUDJH
DUHD 5HPRYH NH\ IURP LJQLWLRQ VZLWFK DQG NHHS LW LQ
D PHPRUDEOH SODFH &RYHU WKH ULGHU WR SURWHFW LW DQG
NHHS LW FOHDQ