3ODFH<RXU2UGHU$PD]RQFRXN&KHFNRXW

5HYLHZ\RXURUGHU
%\SODFLQJ\RXURUGHU\RXDJUHHWR$PD]RQFRXN
V3ULYDF\1RWLFH&RQGLWLRQVRI8VH 6DOHDQG&RRNLHV ,QWHUQHW$GYHUWLVLQJ

,PSRUWDQWPHVVDJH

3D\LQ521

 7LFNWKLVER[WRGHIDXOWWRWKHVHGHOLYHU\DQGSD\PHQWRSWLRQVLQWKHIXWXUH

'HOLYHU\DGGUHVV&KDQJH
+,56$8,5,1$
&$/($&$/$5$6,/25
%/6&$$3
%8&+$5(67520$1,$
5RPDQLD
3KRQH

3D\PHQWPHWKRG&KDQJH
HQGLQJLQ

*LIWFDUGV SURPRWLRQDOFRGHV
(QWHU&RGH

$SSO\

%LOOLQJDGGUHVV&KDQJH
6DPHDVGHOLYHU\DGGUHVV

$PD]RQ&XUUHQF\&RQYHUWHULV
(QDEOHG/HDUQPRUH
2UGHU6XPPDU\
,WHPV

*%3

3RVWDJH 3DFNLQJ

*%3

2UGHU7RWDO*%3

3D\PHQW7RWDO 521

'HOLYHUWRPXOWLSOHDGGUHVVHV

2UGHU7RWDOVLQFOXGH9$76HHGHWDLOV

(VWLPDWHGGHOLYHU\'HF'HF
$EVROXWH/HJDO(QJOLVK(QJOLVKIRU
,QWHUQDWLRQDO/DZ
E\+HOHQ&DOODQDQ


2QO\OHIWLQVWRFNPRUHRQWKHZD\
4XDQWLW\&KDQJH
6ROGE\$PD]RQ(86DU/
$GGJLIWRSWLRQV

,QWHUQDWLRQDO/HJDO(QJOLVK
7HDFKHU
V%RRN$&RXUVHIRU
&ODVVURRPRU6HOIVWXG\8VH
&DPEULGJH3URIHVVLRQDO(QJOLVK

&KRRVHDGHOLYHU\RSWLRQ
 6WDQGDUG'HOLYHU\WREXVLQHVVGD\V
 ([SHGLWHG'HOLYHU\GD\V

6HOHFWHGSD\PHQWFXUUHQF\
 521 

 *%3

&KDQJHFDUGFXUUHQF\

$SSOLFDEOH([FKDQJH5DWH
(85 521

&KRRVHDGHOLYHU\SUHIHUHQFH
 *URXSP\LWHPVLQWRDVIHZGHOLYHULHVDV
SRVVLEOH
 ,ZDQWP\LWHPVIDVWHU'LVSDWFKLWHPVDVWKH\
EHFRPHDYDLODEOH
DWDGGLWLRQDOFRVW

E\-HUHP\'D\


2QO\OHIWLQVWRFNPRUHRQWKHZD\
4XDQWLW\&KDQJH

LQFOXGHVDOO$PD]RQIHHVDQGFKDUJHV

%\SODFLQJ\RXURUGHU\RXDJUHHWR
WKH7HUPVDQG&RQGLWLRQVRI$PD]RQ
&XUUHQF\&RQYHUWHUSURYLGHGE\
$PD]RQ6HUYLFHV(XURSH6$5/
:HZLOOVKRZ\RXWKHRSWLRQWRSD\LQ
\RXUFDUGFXUUHQF\IRUHOLJLEOHRUGHUV
3URPRWLRQVDSSOLHG
3URPRWLRQ$SSOLHG
+RZDUHGHOLYHU\FRVWVFDOFXODWHG"
:K\GLGQ
W,TXDOLI\IRU)5(('HOLYHU\"

6ROGE\$PD]RQ(86DU/
$GGJLIWRSWLRQV

2[IRUG+DQGERRNRI/HJDO
&RUUHVSRQGHQFH
E\5XSHUW+DLJK


2QO\OHIWLQVWRFNPRUHRQWKHZD\
4XDQWLW\&KDQJH
6ROGE\$PD]RQ(86DU/
$GGJLIWRSWLRQV

([SUHVV6HULHV(QJOLVKIRU/HJDO
3URIHVVLRQDOV$VKRUWVSHFLDOLVW
(QJOLVKFRXUVH
E\$QGUHZ)URVW


2QO\OHIWLQVWRFNPRUHRQWKHZD\
4XDQWLW\&KDQJH
6ROGE\$PD]RQ(86DU/
$GGJLIWRSWLRQV

6XFFHVV:LWK,/(&,QWHUQDWLRQDO
/HJDO(QJOLVK&HUWLILFDWH
E\1LFN%ULHJHU


2QO\OHIWLQVWRFNPRUHRQWKHZD\
4XDQWLW\&KDQJH
6ROGE\$PD]RQ(86DU/
$GGJLIWRSWLRQV

,QWHUQDWLRQDO/HJDO(QJOLVK
6WXGHQW
V%RRNZLWK$XGLR&'V
$&RXUVHIRU&ODVVURRPRU6HOI
VWXG\8VH
E\$P\.URLV/LQGQHU

KWWSVZZZDPD]RQFRXNJSEX\VSFKDQGOHUVGLVSOD\KWPO"KDV:RUNLQJ-DYDVFULSW 

3D\LQ521





3ODFH<RXU2UGHU$PD]RQFRXN&KHFNRXW

4XDQWLW\&KDQJH
6ROGE\$PD]RQ(86DU/
$GGJLIWRSWLRQV

1HHGKHOS"&KHFNRXUKHOSSDJHVRUFRQWDFWXV
:KHQ\RXFOLFNWKH%X\QRZEXWWRQZH
OOVHQG\RXDQHPDLOPHVVDJHDFNQRZOHGJLQJUHFHLSWRI\RXURUGHU<RXUFRQWUDFWWRSXUFKDVHDQLWHPZLOOQRWEHFRPSOHWHXQWLOZHVHQG\RXDQHPDLOWR
LQGLFDWHWKDWWKHLWHPKDVEHHQGLVSDWFKHG
:LWKLQGD\VRIGHOLYHU\\RXPD\UHWXUQQHZXQRSHQHGSK\VLFDOPHUFKDQGLVHLQLWVRULJLQDOFRQGLWLRQ([FHSWLRQVDQGUHVWULFWLRQVDSSO\6HH$PD]RQFRXN
V5HWXUQ3ROLF\
*RWRWKH$PD]RQFRXNKRPHSDJHZLWKRXWFRPSOHWLQJ\RXURUGHU
&RQGLWLRQVRI8VH_3ULYDF\1RWLFH$PD]RQFRP,QFDQGLWVDIILOLDWHV

KWWSVZZZDPD]RQFRXNJSEX\VSFKDQGOHUVGLVSOD\KWPO"KDV:RUNLQJ-DYDVFULSW