2QOLQH %DQNLQJ +HOS 'HVN ([WHQGHG +RXUV EHJLQQLQJ $SULO QG WR DVVLVW \RX ZLWK DQ\ TXHVWLRQV \RX KDYH 0RQGD\ ± )ULGD\ DP ± SP 6DWXUGD\ DP ± SP
%LOO3D\ +HOS 'HVN 0RQGD\ ± )ULGD\ DP ± DP )RU RQOLQH VXSSRUW JR WR IFFX RUJ DQG FOLFN RQ WKH 2QOLQH %DQNLQJ +HOS 'HVN EDQQHU
IFFX RUJ
:HOFRPH WR 2QOLQH %DQNLQJ $ GH¿QLWLYH DQG WUXH 2QOLQH %DQNLQJ H[SHULHQFH VKRXOG PHDQ WKDW LW LV DYDLODEOH WR \RX KRXUV D GD\ GD\V D ZHHN ZLWKRXW KROGLQJ EDFN RQ VHUYLFH H[FHOOHQFH DQG D ³PHPEHU ¿UVW´ RXWORRN 7KLV JXLGH VHHNV WR IXUWKHU GH¿QH WKLV HQGHDYRU E\ KHOSLQJ WR H[SODLQ KRZ 2QOLQH %DQNLQJ FDQ KHOS PDQDJH \RXU ¿QDQFHV ZKLOH NHHSLQJ \RX XSGDWHG RQ KRZ RXU FXUUHQW 2QOLQH %DQNLQJ V\VWHP RSHUDWHV
7DEOH RI &RQWHQWV *HQHUDO ,QIRUPDWLRQ 6HFXULW\ *HWWLQJ 6WDUWHG /RJJLQJ ,Q
$FFRXQWV
3OHDVH XVH WKLV JXLGH DV D TXLFN UHIHUHQFH RU DQ LQ GHSWK LQVLJKW WR 2QOLQH %DQNLQJ %LOO3D\ DQG WKH PDQ\ RSWLRQV DYDLODEOH
$FFRXQW 2YHUYLHZ $FFRXQW +LVWRU\ 2QOLQH $FWLYLW\ H6WDWHPHQWV H1RWLFHV 7D[ 'RFXPHQWV
7KDQN \RX
7UDQVDFWLRQV %LOO3D\ 2YHUYLHZ 3D\HHV 0DNH D 3D\PHQW 5HFXUULQJ 3D\PHQWV &KDQJH &DQFHO 3D\PHQWV &DWHJRULHV 9LHZ %LOO +LVWRU\ )XQGV 7UDQVIHU 5HFXUULQJ 0HPEHU WR 0HPEHU 7UDQVIHU $GG ([WHUQDO $FFRXQW 9HULI\ ([WHUQDO $FFRXQW 5HTXHVWV :LUH 7UDQVIHU &RPLQJ 6RRQ
6HUYLFHV 'LVFODLPHU &RQFHSWV VWUDWHJLHV DQG SURFHGXUHV RXWOLQHG LQ WKLV JXLGH FDQ DQG GR FKDQJH DQG PD\ QRW EH DSSOLFDEOH WR DOO UHDGHUV 7KH FRQWHQW LQ WKLV JXLGH LV QRW ZDUUDQWHG WR RIIHU D SDUWLFXODU UHVXOW RU EHQH¿W 1HLWKHU WKH DXWKRU SXEOLVKHU QRU )&&8 VKDOO EH OLDEOH IRU DQ\ GDPDJHV DULVLQJ RXW RI WKH XVH RI WKLV JXLGH LQFOXGLQJ EXW QRW OLPLWHG WR ORVV RI SUR¿W FRPPHUFLDO VSHFLDO LQFLGHQWDO RU RWKHU GDPDJHV )RU FRPSOHWH SURGXFW DQG VHUYLFH LQIRUPDWLRQ SOHDVH UHIHU WR WKH WHUPV FRQGLWLRQV DQG GLVFORVXUHV IRU HDFK SURGXFW DQG VHUYLFH ‹ 0XUSK\ &RPSDQ\ ,QF %DUUHWW 2I¿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
0HVVDJHV 6WRS 3D\PHQW &KHFN 5HRUGHU )RUPV X'HSRVLW +RPH &DSWXUH 0\ 0RQH\ 0DS 8SGDWH &RQWDFW ,QIR
3UHIHUHQFHV $FFRXQW 3UHIHUHQFHV $OHUW 3UHIHUHQFHV 6HFXULW\ 3UHIHUHQFHV 0RELOH 7KHPHV
IFFX RUJ
6HFXULW\
6HFXULW\
%\ IROORZLQJ RXU WLSV 2QOLQH %DQNLQJ FDQ EH D VDIH DQG HIILFLHQW PHWKRG IRU KDQGOLQJ \RXU EDQNLQJ QHHGV
)&&8 ZLOO QHYHU VHQG XQVROLFLWHG HPDLOV DVNLQJ \RX WR SURYLGH XSGDWH RU YHULI\ SHUVRQDO RU FRQILGHQWLDO LQIRUPDWLRQ YLD UHWXUQ HPDLO ,I \RX UHFHLYH DQ HPDLO LQTXLU\ DOOHJHGO\ IURP )&&8 SOHDVH UHSRUW WKH LQFLGHQW WR D 0HPEHU 6HUYLFH UHSUHVHQWDWLYH DV TXLFNO\ DV SRVVLEOH 7R PLWLJDWH WKH ULVN RI RQOLQH IUDXG DQG LGHQWLW\ WKHIW \RXU ILUVW DQG EHVW SURWHFWLRQ LV DZDUHQHVV
8VHU ,GHQWL¿FDWLRQ 3DVVZRUG 6HFXULW\ VWDUWV DW \RXU FRPSXWHU 1HYHU VKDUH \RXU 8VHUQDPH RU 3DVVZRUG ZLWK DQ\RQH 0DNH VXUH \RXU SDVVZRUG LV KDUG WR JXHVV E\ FRPELQLQJ UDQGRP QXPEHUV DQG OHWWHUV LQVWHDG RI XVLQJ \RXU ELUWK GDWH SHW¶V QDPH RU RWKHU REYLRXV FOXHV
6HFXUH 6RFNHWV /D\HU (QFU\SWLRQ 66/
7KLV WHFKQRORJ\ VFUDPEOHV GDWD DV LW WUDYHOV EHWZHHQ \RXU FRPSXWHU DQG )&&8 PDNLQJ LW GLIILFXOW IRU DQ\RQH WR DFFHVV \RXU DFFRXQW LQIRUPDWLRQ 66/ LV D WUXVWHG PHWKRG RI VHFXULQJ LQWHUQHW WUDQVDFWLRQV
3KLVKLQJ 3KLVKLQJ LV DQ RQOLQH VFDP WDFWLF WKDW LV XVHG WR OXUH XVHUV LQWR XQNQRZLQJO\ SURYLGLQJ SHUVRQDO GDWD VXFK DV FUHGLW FDUG LQIRUPDWLRQ RU 8VHUQDPHV DQG 3DVVZRUGV 8VLQJ VSRRI ORRN D OLNH HPDLOV DQG ZHEVLWHV WKH WDFWLF DWWHPSWV WR JDLQ WKH WUXVW RI XQVXVSHFWLQJ WDUJHWV DQG FRQYLQFH WKHP WKDW YLWDO LQIRUPDWLRQ LV EHLQJ UHTXHVWHG E\ D YHQGRU WKH\ PD\ DOUHDG\ KDYH D UHODWLRQVKLS ZLWK VXFK DV WKHLU EDQN RU FUHGLW XQLRQ
%URZVHU 5HJLVWUDWLRQ ,Q DGGLWLRQ WR \RXU SHUVRQDO SDVVZRUG VHFXULW\ )&&8 KDV DGGHG DGGLWLRQDO VHFXULW\ PHDVXUHV ZLWK %URZVHU 5HJLVWUDWLRQ %URZVHU 5HJLVWUDWLRQ VWUHQJWKHQV WKH VDIHJXDUGV LQ SODFH DW ORJLQ E\ DGGLQJ DGGLWLRQDO VWHSV WR YHULI\ \RXU LGHQWLW\ $OWKRXJK WKHVH VHFXULW\ HQKDQFHPHQWV DUH EHQHILWLQJ \RX DQG \RXU VHFXULW\ \RX SUREDEO\ ZLOO QRW QRWLFH WKHP GXULQJ \RXU UHJXODU GD\ WR GD\ H[SHULHQFH
2QOLQH %DQNLQJ 6DIHW\ 7LSV ! (QVXUH \RXU ZHE EURZVHU RSHUDWLQJ V\VWHP DQWL YLUXV VRIWZDUH DQG RWKHU DSSOLFDWLRQV DUH FXUUHQW DQG VXSSRUW ELW HQFU\SWLRQ
! 0 HPRUL]H \RXU SDVVZRUGV ! ([LW \RXU 2QOLQH %DQNLQJ VHVVLRQ ZKHQ ILQLVKHG ! 'R QRW OHDYH \RXU FRPSXWHU XQDWWHQGHG ZKHQ ORJJHG LQWR 2QOLQH %DQNLQJ
,GHQWLW\ 7KHIW ,W LV LPSRUWDQW WKDW RXU PHPEHUV DUH DZDUH RI WKH GDQJHUV RI LGHQWLW\ WKHIW ,GHQWLW\ WKHIW FDQ RFFXU ZKHQ FULPLQDOV ILQG D ZD\ WR VWHDO \RXU SHUVRQDO RU RWKHU LGHQWLI\LQJ LQIRUPDWLRQ DQG DVVXPH WKH XVH RI WKDW GDWD WR DFFHVV \RXU SHUVRQDO DFFRXQWV RSHQ QHZ DFFRXQWV DSSO\ IRU FUHGLW LQ \RXU QDPH SXUFKDVH PHUFKDQGLVH DQG FRPPLW RWKHU IUDXG RU UHODWHG FULPHV XVLQJ \RXU LGHQWLW\
)UDXG 3UHYHQWLRQ 7LSV ! 'R QRW RSHQ HPDLO DWWDFKPHQWV RU FOLFN RQ D OLQN IURP XQVROLFLWHG VRXUFHV ! $YRLG FRPSOHWLQJ HPDLO IRUPV RU PHVVDJHV WKDW DVN IRU SHUVRQDO RU ILQDQFLDO LQIRUPDWLRQ
! 'R QRW WUXVW DQ HPDLO DVNLQJ \RX WR XVH D OLQN IRU YHULILFDWLRQ RI ORJLQ RU DFFRXQW GHWDLOV
! 0 RQLWRU \RXU DFFRXQW WUDQVDFWLRQV IRU XQDXWKRUL]HG XVH ! 6KUHG ROG ILQDQFLDO LQIRUPDWLRQ LQYRLFHV FKDUJH UHFHLSWV FKHFNV XQZDQWHG SUH DSSURYHG FUHGLW RIIHUV DQG H[SLUHG FKDUJH FDUGV EHIRUH GLVSRVLQJ RI WKHP ! &RQWDFW WKH VHQGHU E\ SKRQH LI \RX DUH VXVSLFLRXV RI DQ HPDLO DWWDFKPHQW
IFFX RUJ
IFFX RUJ
*HWWLQJ 6WDUWHG /RJJLQJ ,Q
$FFRXQW 2YHUYLHZ
,I \RX DUH DOUHDG\ HQUROOHG LQ 2QOLQH %DQNLQJ VLPSO\ HQWHU IFFX RUJ LQ \RXU EURZVHU V DGGUHVV EDU (QWHU \RXU 8VHUQDPH DQG 3DVVZRUG RQ WKH KRPH SDJH DQG FOLFN /RJLQ
$FFRXQW 2YHUYLHZ ZLOO SURYLGH \RX ZLWK D TXLFN YLHZ RI \RXU DFFRXQWV DQG EDODQFHV +HUH \RX FDQ PDNH D TXLFN WUDQVIHU EHWZHHQ DFFRXQWV YLHZ SHQGLQJ WUDQVDFWLRQV DQG HYHQ FKHFN \RXU VHFXUH PHVVDJHV
,I \RX DUH EUDQG QHZ WR 2QOLQH %DQNLQJ FOLFN WKH (QUROO 7RGD\ ER[ DQG IROORZ WKH LQVWUXFWLRQV WR HQUROO
,Q WKH $FFRXQWV PHQX VHOHFW 2YHUYLHZ ([SDQG RU FROODSVH DQ\ RYHUYLHZ VHFWLRQV E\ FOLFNLQJ RQ WKH 3OXV 0LQXV EXWWRQ
6HOHFW RQH FRQWDFW IURP WKH OLVW WKDW \RX FDQ LPPHGLDWHO\ DFFHVV DQG RXU V\VWHP ZLOO GHOLYHU \RX D WHPSRUDU\ 6HFXUH $FFHVV &RGH ZLWKLQ PLQXWHV ,I \RX YH FKRVHQ DQ HPDLO DGGUHVV EH VXUH WR FKHFN \RXU MXQN PDLO IROGHUV LQ WKH HYHQW LW KDV EHHQ VHQW WKHUH
(QWHU WKH 6HFXUH $FFHVV &RGH LQ WKH SURYLGHG ILHOG &OLFN 6XEPLW ,I \RX DUH ORJJLQJ LQ IRU WKH ILUVW WLPH \RX ZLOO EH SURPSWHG WR FUHDWH D QHZ SDVVZRUG :KDW LV D 6HFXUH $FFHVV &RGH" $ 6HFXUH $FFHVV &RGH LV D RQH WLPH XVH FRGH WKDW DOORZV \RX WR VHFXUHO\ ORJLQ WR RXU 2QOLQH %DQNLQJ V\VWHP ,W LV GHOLYHUHG WR \RX YLD HPDLO SKRQH FDOO RU 606 WH[W 6HFXUH $FFHVV &RGHV DUH DOVR XVHG LI \RX GHOHWH WKH VHFXULW\ FHUWLILFDWH RU ³FRRNLH´ WKDW ZH¶YH VWRUHG RQ \RXU FRPSXWHU RU LI \RX UHTXHVW ORJLQ IURP D GHYLFH QRW VHWXS IRU UHSHDWHG XVH &KRRVLQJ ³DFWLYDWH P\ FRPSXWHU IRU ODWHU XVH´ DXWKRUL]HV XV WR VWRUH D VHFXULW\ FHUWLILFDWH RQ \RXU FRPSXWHU ZKLFK ZLOO VSHHG XS WKH YHULILFDWLRQ SURFHVV LQ WKH IXWXUH DQG HOLPLQDWH WKH QHHG WR XVH D 6HFXUH $FFHVV &RGH GXULQJ HDFK ORJLQ
IFFX RUJ
,I \RX KDYH DQ\ XQUHDG 6HFXUH 0HVVDJHV LW ZLOO EH LQGLFDWHG KHUH
+RYHU RYHU WKH 4XLFN $FWLRQ ,FRQ QH[W WR \RXU DFFRXQW WR YLHZ D YDULHW\ RI VWDQGDUG RSWLRQV
9LHZ +LVWRU\ $ TXLFN OLQN WR WKH KLVWRU\ RI WKDW DFFRXQW $FFRXQW ,QTXLU\ 6HQG D VKRUW VHFXUH PHVVDJH WR LQTXLUH DERXW D FHUWDLQ DFFRXQW $FFRXQW 'HWDLOV 9LHZ WKH GHWDLOV RI WKDW DFFRXQW 3ULQW 3ULQW WKH WUDQVDFWLRQ KLVWRU\ RI WKDW DFFRXQW
,I DQ\ RI \RXU DFFRXQW QDPHV DUH VKRZQ LQ UHG ZLWK DQ DVWHULVN WKHUH LV DW OHDVW RQH SHQGLQJ WUDQVDFWLRQ LQ WKDW DFFRXQW
IFFX RUJ
$FFRXQW +LVWRU\
2QOLQH $FWLYLW\
2QOLQH %DQNLQJ DOORZV \RX WR FRQYHQLHQWO\ DFFHVV D KLVWRU\ RI \RXU DFFRXQW WUDQVDFWLRQV DOZD\V NHHSLQJ \RX FXUUHQW ZLWK \RXU DFFRXQW EDODQFHV 7R EHJLQ GRXEOH FOLFN WKH DFFRXQW QDPH \RX ZLVK WR YLHZ IURP WKH $FFRXQW 2YHUYLHZ SDJH <RX PD\ DOVR VHOHFW 9LHZ +LVWRU\ IURP WKH 4XLFN $FWLRQ ,FRQ
2QOLQH $FWLYLW\ TXLFNO\ RUJDQL]HV DOO WUDQVDFWLRQV DVVRFLDWHG DQG FRPSOHWHG RQOLQH 7KLV LQFOXGHV WUDQVIHUV H[WHUQDO WUDQVIHUV VWRS SD\PHQWV DGGUHVV FKDQJHV HWF )URP WKH 2QOLQH $FWLYLW\ PHQX \RX FDQ JURXS LWHPV E\ FDWHJRU\ YLHZ DOO WUDQVDFWLRQV DQG FDQFHO DXWKRUL]HG WUDQVDFWLRQV 3OHDVH QRWH WKDW RQFH D WUDQVDFWLRQ LV SURFHVVHG LW FDQQRW EH FDQFHOOHG
,Q WKH $FFRXQWV PHQX VHOHFW +LVWRU\ ([SDQG RU FROODSVH DQ\ 3HQGLQJ RU 3RVWHG VHFWLRQV E\ FOLFNLQJ RQ WKH 3OXV 0LQXV EXWWRQ 4XLFNO\ VZLWFK EHWZHHQ DFFRXQWV E\ VHOHFWLQJ DQ DFFRXQW IURP WKH GURS GRZQ PHQX DQG FOLFN 6XEPLW &KDQJH WKH ZD\ \RX YLHZ \RXU KLVWRU\ IURP WKH RSWLRQV DYDLODEOH LQ WKH 6HDUFK PHQX <RX PD\ VHDUFK IRU WUDQVDFWLRQV E\ FKHFN QXPEHU GDWH DPRXQW RU GHVFULSWLRQ
,Q WKH $FFRXQWV PHQX VHOHFW 2QOLQH $FWLYLW\ +RYHU RYHU WKH 4XLFN $FWLRQ ,FRQ WR YLHZ D GURS GRZQ PHQX ZLWK PRUH RSWLRQV &OLFNLQJ RQ 9LHZ 7UDQVDFWLRQ ZLOO DOORZ \RX WR VHH PRUH GHWDLOV UHJDUGLQJ WKH WUDQVDFWLRQ DORQJ ZLWK SURYLGLQJ \RX WKH DELOLW\ WR HLWKHU DSSURYH FDQFHO FRS\ RU SULQW
:DQW WR H[SRUW \RXU $FFRXQW +LVWRU\" &OLFN WKH 'LVSOD\ PHQX DQG VHOHFW ([SRUW WR )LOH 7KHQ VHOHFW \RXU H[SRUW IRUPDW VSUHDGVKHHW 4XLFNHQ 4XLFNERRNV HWF DQG FOLFN 6XEPLW ,I \RX SUHIHU WR SULQW VLPSO\ FOLFN WKH SULQWHU LFRQ IFFX RUJ
IFFX RUJ
2QOLQH $FWLYLW\
H6WDWHPHQWV H1RWLFHV 7D[ 'RFXPHQWV
<RXU 2QOLQH $FWLYLW\ WUDQVDFWLRQ VWDWXV PD\ YDU\ IURP LWHP WR LWHP 7R KHOS \RX EHWWHU XQGHUVWDQG ZKDW HDFK RI WKH RQOLQH WUDQVDFWLRQ VWDWXV WHUPV PHDQ ZH¶YH LQFOXGHG D KHOSIXO JXLGH WR XVH DV \RX JURZ DFFXVWRPHG WR WKH IHDWXUH
9LHZLQJ \RXU VWDWHPHQWV RQOLQH LV VDIHU DQG PRUH VHFXUH WKDQ D SDSHU VWDWHPHQW LQ \RXU PDLOER[ ,Q WKH $FFRXQWV PHQX VHOHFW H6WDWHPHQWV H1RWLFHV DQG 7D[ 'RFXPHQWV
$FWLYH
$Q\ WUDQVDFWLRQ JHQHUDWHG RQOLQH WKDW KDV EHHQ LQLWLDWHG ZLWKLQ WKH ODVW ZHHN RU LV LQ D VWDWXV WKDW VWLOO DOORZV DFWLRQ WR EH WDNHQ
'UDIWHG
$Q\ WUDQVDFWLRQ WKDW KDV EHHQ SXW LQ D SHQGLQJ 'UDIWHG VWDWH E\ WKH XVHU DQG FDQ VWLOO EH HLWKHU DSSURYHG RU FDQFHOOHG
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
! 6DYH WLPH ZLWK RXU IUHH RQOLQH VHUYLFHV²\RX FDQ DFFHVV WKHP KRXUV D GD\ GD\V D ZHHN ZKHQHYHU LW V FRQYHQLHQW IRU \RX ! +DYH SHDFH RI PLQG NQRZLQJ \RX UH LQ FRQWURO RI \RXU ILQDQFHV ! 6DYH PRQH\ RQ FKHFNV HQYHORSHV DQG VWDPSV ZLWK %LOO3D\ ! <RXU DFFRXQW LQIRUPDWLRQ LV SDVVZRUG SURWHFWHG DQG PRUH VHFXUH WKDQ UHFHLYLQJ SDSHU ELOOV DQG VWDWHPHQWV LQ \RXU PDLOER[ 7R HQUROO LQ H6WDWHPHQWV IROORZ WKHVH VLPSOH VWHSV
! /RJ LQWR 2QOLQH %DQNLQJ ! &OLFN WKH 6HUYLFHV ! H'RFXPHQW (QUROOPHQW WDE ! )ROORZ WKH SURPSWV DQG FOLFN 6XEPLW
IFFX RUJ
IFFX RUJ
%LOO3D\ 2YHUYLHZ
3D\HHV
:KDW LV PRUH UHDVVXULQJ WKDQ EHLQJ LQ FRQWURO RI \RXU ILQDQFHV" 6WD\LQJ LQ FRQWURO RI \RXU ELOOV :LWK 2QOLQH %LOO3D\ \RX KDYH WKH DELOLW\ WR VWD\ RQ WRS RI \RXU PRQWKO\ ILQDQFHV ZLWK XWPRVW HDVH DQG WXUQNH\ HIILFLHQF\ )UHH \RXUVHOI IURP WKH KDVVOH RI ZULWLQJ FKHFNV DQG WKH FOXWWHU WKDW FRPHV ZLWK WUDGLWLRQDO ZD\V RI SD\LQJ ELOOV 2QOLQH %LOO3D\ PDNHV D TXLFN DQG HDV\ DOWHUQDWLYH IRU SD\LQJ \RXU ELOOV 1RWH <RX ZLOO KDYH WR UHJLVWHU IRU WKLV VHUYLFH RQH WLPH
7KH SHUVRQ RU FRPSDQ\ WR ZKRP \RX DUH VHQGLQJ IXQGV LV NQRZQ DV WKH SD\HH $ SD\HH FDQ EH DOPRVW DQ\ FRPSDQ\ RU SHUVRQ \RX ZRXOG VHQG D FKHFN OLNH DQ DXWR ILQDQFH FRPSDQ\ D FDEOH 79 SURYLGHU RU HYHQ D ODZQ FDUH VHUYLFH ,W PD\ EH FRQYHQLHQW WR VHW XS D SD\HH WR UHFHLYH SD\PHQWV RQ D UHJXODU EDVLV VXFK DV D ORDQ
8QGHU WKH 3D\PHQWV PHQX FOLFN WKH $GG D 3D\HH EXWWRQ
$ QHZ ZLQGRZ ZLOO SRS XS 6HOHFW ZKHWKHU WKH SD\HH LV D FRPSDQ\ LQGLYLGXDO EDQN RU FUHGLW XQLRQ WKHQ FOLFN 1H[W
)LOO RXW WKH UHTXLUHG LQIRUPDWLRQ UHJDUGLQJ WKH SD\HH WKHQ FOLFN 1H[W
,Q WKH 7UDQVDFWLRQV PHQX VHOHFW %LOO3D\ &OLFN RQ WKH 3D\PHQWV WDE WR EHJLQ PDQDJLQJ \RXU ELOOV RQOLQH +HUH \RX ZLOO EH DEOH WR YLHZ \RXU SD\HHV SHQGLQJ SD\PHQWV DQG ELOO KLVWRU\ DPRQJ RWKHU LQIRUPDWLRQ UHJDUGLQJ \RXU RQOLQH DFFRXQW
IFFX RUJ
IFFX RUJ
(QWHU WKH ORFDWLRQ LQIRUPDWLRQ UHJDUGLQJ \RXU SD\HH DQG FOLFN 1H[W <RXU SD\HH KDV QRZ EHHQ FUHDWHG DQG DGGHG WR \RXU SD\HH OLVW
0DNH D 3D\PHQW
5HFXUULQJ 3D\PHQWV
2QFH \RX VHW XS \RXU SD\HHV LW¶V HDV\ WR SD\ \RXU ELOOV TXLFNO\ :KHQ \RX FOLFN RQ WKH 3D\PHQWV WDE \RX ZLOO VHH DOO RI WKH SD\HHV \RX KDYH HVWDEOLVKHG VR IDU 7R SD\ D ELOO VLPSO\ ILQG \RXU SD\HH DQG ILOO RXW WKH SD\PHQW LQIRUPDWLRQ EHVLGH WKH QDPH
2XU UHFXUULQJ SD\PHQWV IHDWXUH NHHSV \RX DKHDG RI \RXU SD\PHQWV WKDW QHHG WR EH UHSHDWHG 6HWWLQJ XS D UHFXUULQJ SD\PHQW WDNHV RQO\ D IHZ PRPHQWV DQG VDYHV \RX IURP KDYLQJ WR UHPHPEHU WKH VDPH SD\HH HYHU\ SD\ SHULRG
)LQG WKH SD\HH \RX ZDQW WR SD\ DQG XVLQJ WKH GURS GRZQ PHQX VHOHFW ZKLFK DFFRXQW \RX ZLVK WR SD\ IURP 7\SH LQ WKH DPRXQW WR EH SDLG 8VLQJ WKH KDQG\ FDOHQGDU LFRQ EHVLGH WKH EODQN VSDFH FKRRVH WKH GDWH \RX ZDQW WR SD\ WKLV SD\HH
&OLFN RQ WKH 3D\PHQWV WDE DQG ¿QG WKH SD\HH \RX ZLVK WR VHW XS UHFXUULQJ SD\PHQWV IRU &OLFN WKH 0DNH LW 5HFXUULQJ OLQN ORFDWHG XQGHU WKH $FWLRQV FROXPQ $ QHZ ZLQGRZ ZLOO SRS XS &KRRVH WKH ³3D\ IURP´ DFFRXQW DQG HQWHU WKH DPRXQW IUHTXHQF\ SD\PHQW GDWH DQG RWKHU SD\PHQW SUHIHUHQFHV &OLFN 6XEPLW ZKHQ ¿QLVKHG
:KHQ ¿QLVKHG FOLFN 6XEPLW SD\PHQWV
IFFX RUJ
IFFX RUJ
&KDQJH &DQFHO 3D\PHQWV
&DWHJRULHV
(YHQ DIWHU \RX KDYH VHW XS D SD\PHQW \RX KDYH WKH DELOLW\ WR HGLW RU FDQFHO \RXU SD\PHQW XS WR WKH WLPH LW EHJLQV SURFHVVLQJ 7KLV FRQYHQLHQW IHDWXUH JLYHV \RX WKH IUHHGRP WR FKDQJH WKH ZD\ \RX PDNH \RXU SD\PHQWV
$VVLJQ DQG RUJDQL]H \RXU SD\HHV LQWR VSHFLILF JURXSV WR HQVXUH LQFUHDVHG FRQYHQLHQFH ZKHQ SD\LQJ \RXU ELOOV
7R DGG D FDWHJRU\ JR WR WKH ³0\ $FFRXQW´ WDE DQG FOLFN WKH $GG FDWHJRU\ OLQN 7R HGLW RU FDQFHO D SD\PHQW VLPSO\ FOLFN RQ WKH SD\HH IURP ZKLFK \RX ZRXOG OLNH WR HGLW RU FDQFHO D SD\PHQW $ QHZ ZLQGRZ ZLOO DSSHDU UHYHDOLQJ WKH UHFHQW DFWLYLW\ IRU WKH SD\HH &OLFN WKH (GLW OLQN WRZDUGV WKH ERWWRP RI WKH ZLQGRZ
+HUH \RX FDQ FKDQJH WKH VHWWLQJ RI \RXU SD\PHQW VXFK DV WKH DFFRXQW \RX DUH SD\LQJ IURP WKH DPRXQW RU SD\PHQW GDWH 2QFH \RX DUH ILQLVKHG HGLWLQJ WKH SD\PHQW FOLFN 6XEPLW ,I \RX ZLVK WR GHOHWH WKH SD\PHQW FOLFN WKH ER[ QH[W WR , ZRXOG OLNH WR VWRS WKLV SD\PHQW IFFX RUJ
$ QHZ ZLQGRZ ZLOO SRS XS DVNLQJ \RX WR QDPH \RXU FDWHJRU\ 2QFH \RX KDYH HQWHUHG D QDPH FOLFN 6XEPLW <RX ZLOO VHH RQ WKH ULJKW KDQG VLGH RI WKH VFUHHQ WKDW \RXU FDWHJRU\ KDV EHHQ VXFFHVVIXOO\ DGGHG ,I \RX QHHG WR HGLW \RXU FDWHJRU\ VLPSO\ FOLFN WKH (GLW OLQN QH[W WR WKH FDWHJRU\ QDPH
IFFX RUJ
9LHZ %LOO +LVWRU\
)XQGV 7UDQVIHU
9LHZ DQG SULQW ELOO KLVWRU\ DQG GHWDLOV E\ HQWHULQJ WKH DSSURSULDWH VHDUFK FULWHULD
2QOLQH %DQNLQJ HQDEOHV \RX WR FRPSOHWH D RQH WLPH WUDQVIHU RI IXQGV EHWZHHQ DFFRXQWV TXLFNO\ DQG HDVLO\
,Q WKH 7UDQVDFWLRQV PHQX VHOHFW )XQGV 7UDQVIHU
&OLFN 9LHZ 0RUH ORFDWHG DERYH WKH +LVWRU\ SDQHO 1DUURZ GRZQ \RXU VHDUFK XVLQJ WKH SURYLGHG GURS GRZQ PHQXV DQG RSWLRQV
6WDUW E\ VHOHFWLQJ WKH )URP DQG 7R $FFRXQWV (QWHU WKH GHVLUHG 7UDQVIHU 'DWH RU XVH WKH KDQG\ FDOHQGDU IHDWXUH 1H[W HQWHU WKH $PRXQW \RX¶G OLNH WR WUDQVIHU ,I \RX¶G OLNH HQWHU D 'HVFULSWLRQ RI WKH WUDQVIHU IRU IXWXUH UHIHUHQFH
&OLFN 6XEPLW WR SURFHVV WKH WUDQVIHU 8SRQ VHWWLQJ XS \RXU WUDQVIHU \RX ZLOO QHHG WR DSSURYH WKH VHULHV EHIRUH WKH\ ZLOO SURFHVV 7KH V\VWHP ZLOO DXWRPDWLFDOO\ WDNH \RX WR WKH VXEPLW WUDQVDFWLRQ VFUHHQ WR SHUIRUP WKLV DFWLRQ
&OLFN WKH 6HDUFK EXWWRQ WR VHH \RXU UHVXOWV 7R SULQW WKH VHDUFK UHVXOWV IRU \RXU UHFRUGV FOLFN WKH SULQW LFRQ DQG OLQN
IFFX RUJ
IFFX RUJ
5HFXUULQJ
0HPEHU WR 0HPEHU 7UDQVIHU
'R \RX ZLVK \RX FRXOG UHPHPEHU WR WUDQVIHU PRQH\ WR \RXU VDYLQJV DFFRXQW HDFK PRQWK" $UH \RX LQ WKH KDELW RI WUDQVIHUULQJ PRQH\ WR \RXU FKHFNLQJ DFFRXQW ZKHQ \RX VLW GRZQ WR SD\ \RXU ELOOV" 5HFXUULQJ WUDQVIHUV PDNH OLIH HDV\ E\ DXWRPDWLQJ WKLV WDVN RQ D GDWH WKDW \RX VSHFLI\
,I \RX QHHG WR VHQG PRQH\ WR DQRWKHU PHPEHU ZLWK RXU FUHGLW XQLRQ XVH RXU 0HPEHU WR 0HPEHU 7UDQVIHU IHDWXUH 7KH GHSRVLW LV PDGH WR WKHLU DFFRXQW LPPHGLDWHO\
,Q WKH 7UDQVDFWLRQV PHQX VHOHFW )XQGV 7UDQVIHU %HJLQ MXVW DV \RX ZRXOG ZLWK D RQH WLPH WUDQVIHU DQG HQWHU WKH DFFRXQW GDWH DQG DPRXQW LQIRUPDWLRQ &OLFN WKH ER[ LQ WKH WRS ULJKW FRUQHU RI WKH (QWHU 7UDQVIHU )UHTXHQF\ SDQHO 1H[W FOLFN 5HFXUULQJ 7KHQ HQWHU WKH GHWDLOV IRU \RXU UHFXUULQJ WUDQVIHU LQFOXGLQJ )UHTXHQF\ DQG 6WDUW 'DWH
&OLFN 6XEPLW WR SURFHVV WKH WUDQVIHU 8SRQ VHWWLQJ XS \RXU UHFXUULQJ WUDQVIHU \RX ZLOO QHHG WR DSSURYH WKH VHULHV EHIRUH WKH\ ZLOO SURFHVV 7KH V\VWHP ZLOO DXWRPDWLFDOO\ WDNH \RX WR WKH VXEPLW WUDQVDFWLRQ VFUHHQ WR SHUIRUP WKLV DFWLRQ
7R PDQDJH \RXU UHFXUULQJ WUDQVIHUV MXVW FOLFN 5HFXUULQJ LQ WKH 7UDQVDFWLRQV PHQX $ QHZ ZLQGRZ ZLOO RSHQ FRQILUPLQJ WKH GHWDLOV RI \RXU UHFXUULQJ WUDQVIHU WUDQVDFWLRQ <RX FDQ HLWKHU FOLFN $SSURYH RU &DQFHO
IFFX RUJ
,Q WKH 7UDQVDFWLRQV PHQX VHOHFW 0HPEHU WR 0HPEHU )RU D RQH WLPH WUDQVIHU &KRRVH 0DNH D VLQJOH WUDQVIHU WR DQRWKHU PHPEHU &OLFN &RQWLQXH 6HOHFW WKH )URP $FFRXQW WR GUDZ IXQGV IURP DQG HQWHU WKH $PRXQW (QWHU WKH UHFLSLHQW¶V 0HPEHU DQG $FFRXQW 1XPEHU WKHQ WKH ILUVW WKUHH OHWWHUV RI WKHLU ODVW QDPH RU EXVLQHVV QDPH &OLFN &RQWLQXH 7R OLQN WR DQRWKHU DFFRXQW &KRRVH /LQN WKH RWKHU PHPEHU¶V DFFRXQW WR \RXU ORJLQ IRU ODWHU XVH WKHQ FOLFN &RQWLQXH (QWHU WKH UHFLSLHQW¶V $FFRXQW 1XPEHU DQG WKH ILUVW WKUHH OHWWHUV RI WKHLU ODVW QDPH &OLFN &RQWLQXH IFFX RUJ
$GG ([WHUQDO $FFRXQW
9HULI\ ([WHUQDO $FFRXQW 5HTXHVWV
,QFOXGLQJ RXWVLGH DFFRXQWV LQWR \RXU PDLQ )&&8 DFFRXQW HQVXUHV WKH DELOLW\ WR WUDQVIHU IXQGV WR DQG IURP WKRVH DFFRXQWV E\ LQWHJUDWLQJ WKHP DOO LQWR RQH VLPSOH ORFDWLRQ
2QFH \RX KDYH PDGH D UHTXHVW WR DGG DQ H[WHUQDO DFFRXQW \RX ZLOO WKHQ EH DVNHG WR YHULI\ WKH WZR VPDOO GHSRVLWV PDGH WR WKH QHZ DFFRXQW WR SURYH RZQHUVKLS
,Q WKH 7UDQVDFWLRQV PHQX VHOHFW 9HULI\ ([WHUQDO $FFRXQW 5HTXHVWV &KRRVH WKH QHZ DFFRXQW WKDW \RX DUH YHULI\LQJ 7ZR VPDOO GHSRVLWV ZLOO EH PDGH WR WKH QHZ DFFRXQW \RX HQWHUHG 2QFH WKH\ DUH UHFHLYHG QRWH WKH DPRXQWV <RX ZLOO HQWHU WKHVH DPRXQWV LQ WKH ILHOGV SURYLGHG ,Q WKH 7UDQVDFWLRQV PHQX VHOHFW $GG ([WHUQDO $FFRXQW
&OLFN &RQWLQXH WR FRPSOHWH WKH YHULILFDWLRQ SURFHVV
5HDG DOO RI WKH LQVWUXFWLRQV FDUHIXOO\ WKHQ HQWHU \RXU $FFRXQW 1XPEHU 5RXWLQJ 1XPEHU DQG $FFRXQW 7\SH
7ZR VPDOO GHSRVLWV ZLOO EH PDGH WR WKH QHZ DFFRXQW \RX HQWHUHG 2QFH WKH\ DUH UHFHLYHG QRWH WKH DPRXQWV <RX ZLOO HQWHU WKHVH DPRXQWV WR YHULI\ \RXU RZQHUVKLS XVLQJ WKH ³9HULI\ ([WHUQDO $FFRXQW 5HTXHVWV´ SURFHVV
&OLFN &RQWLQXH WR DFFHSW WKH DJUHHPHQW
IFFX RUJ
IFFX RUJ
:LUH 7UDQVIHU &RPLQJ 6RRQ
0HVVDJHV
7KH :LUH 7UDQVIHU VHUYLFH SURYLGHV DQ RQOLQH WHPSODWH IRU FUHDWLQJ DQ LQGLYLGXDO GRPHVWLF ZLUH WUDQVIHU SD\PHQWV $ ZLUH LV DQ RUGHU WR SD\ IXQGV HOHFWURQLFDOO\ DQG LV D PRUH LPPHGLDWH SD\PHQW LQVWUXPHQW WKDQ DQ $&+ WUDQVDFWLRQ 7KXV ZLUH WUDQVIHUV JHQHUDOO\ LQYROYH ODUJHU SD\PHQWV DQG RU D VKRUWHU SD\PHQW VFKHGXOH
7KH 0HVVDJHV IHDWXUH LV D QRWLILFDWLRQ VHUYLFH ZKHUH \RX ZLOO ILQG DOHUWV DQG QRWLILFDWLRQV UHJDUGLQJ \RXU DFFRXQW :KHWKHU LW LV D PHVVDJH IRU D SDVVZRUG FKDQJH RU VHFXULW\ DOHUW WKLV LV WKH ORFDWLRQ WR VWD\ XS WR GDWH ZLWK \RXU DFFRXQW DQG RXU VHUYLFHV
,Q WKH 6HUYLFHV PHQX VHOHFW 0HVVDJHV &OLFN 1HZ IURP WKH WRROEDU WR VHQG D QHZ VHFXUH PHVVDJH &OLFN WR UHYLHZ D PHVVDJH HQWU\ <RXU PHVVDJH ZLOO RSHQ LQ D QHZ ZLQGRZ )URP WKHUH \RX ZLOO EH DEOH WR 5HSO\ 'HOHWH 6DYH DQG 3ULQW \RXU PHVVDJHV
,Q WKH 7UDQVDFWLRQV PHQX VHOHFW :LUH 7UDQVIHU &KRRVH WKH UHFLSLHQW IRU WKH :LUH 7UDQVIHU UHTXHVW )URP WKH GURS GRZQ PHQXV HQWHU WKH SD\PHQW LQIRUPDWLRQ IRU WKH UHFLSLHQW DORQJ ZLWK WKH $FFRXQW IURP ZKLFK WR GHELW WKH SD\PHQWV DQG WKH 3D\PHQW 'DWH WR VHQG WKH SD\PHQW 1H[W HQWHU WKH $PRXQW (QWHU UHTXLUHG LQIRUPDWLRQ IRU WKH EHQHILFLDU\ RI WKH WUDQVIHU LI D UHFLSLHQW KDV QRW EHHQ FKRVHQ 5HYLHZ DOO LQIRUPDWLRQ :KHQ ILQLVKHG FOLFN 6XEPLW
IFFX RUJ
IFFX RUJ
6WRS 3D\PHQW
&KHFN 5HRUGHU
3ODFLQJ D 6WRS 3D\PHQW IRU LQGLYLGXDO RU PXOWLSOH FKHFNV LV DQ RSWLRQ ZLWK 2QOLQH %DQNLQJ ,I \RX QRWLFH \RX DUH PLVVLQJ FKHFNV SOHDVH FRQWDFW XV DV TXLFNO\ DV SRVVLEOH VR WKDW ZH FDQ WDNH WKH SURSHU SUHFDXWLRQV WR PDLQWDLQ WKH KLJKHVW OHYHO RI VHFXULW\ DJDLQVW LGHQWLW\ WKHIW DQG IUDXG
:KHQ LW FRPHV WLPH WR RUGHU QHZ FKHFNV WKH WKRXJKW RI LW FDQ EH VOLJKWO\ RYHUZKHOPLQJ +RZHYHU QR QHHG WR ZRUU\ DQ\ IXUWKHU WKH RUGHULQJ SURFHVV LV QRZ HYHQ PRUH VWUHDPOLQHG DQG RQO\ WDNHV D PLQXWH WR FRPSOHWH
,Q WKH 6HUYLFHV PHQX VHOHFW 6WRS 3D\PHQW &KRRVH WKH $FFRXQW IRU ZKLFK WKH 6WRS 3D\PHQW VKRXOG EH PDGH (QWHU DOO SHUWLQHQW GDWD UHODWLQJ WR WKH FKHFN RU UDQJH RI FKHFNV
,Q WKH 6HUYLFHV PHQX VHOHFW &KHFN 5HRUGHU
<RX ZLOO EH GLUHFWHG WR D WKLUG SDUW\ VFUHHQ IRU WKH FKHFN RUGHULQJ SURFHVV 6LPSO\ HQWHU \RXU 5RXWLQJ DQG $FFRXQW 1XPEHU 8VH D SDSHU FKHFN WR UHWULHYH WKLV LQIRUPDWLRQ LI QHHGHG
:KHQ \RX DUH ILQLVKHG FOLFN 6XEPLW $ QHZ ZLQGRZ ZLOO RSHQ FRQILUPLQJ WKH GHWDLOV RI \RXU 6WRS 3D\PHQW WUDQVDFWLRQ <RX FDQ HLWKHU FOLFN $SSURYH RU &DQFHO :H UHFRPPHQG SULQWLQJ D FRS\ RI WKH FRQILUPDWLRQ ZLQGRZ IRU \RXU UHFRUGV
IFFX RUJ
6HOHFW WKH NLQG RI FKHFNV \RX ZLOO EH RUGHULQJ 3HUVRQDO &KHFNV 6XSSOLHV 25 %XVLQHVV &KHFNV 6XSSOLHV 1H[W FOLFN /RJ ,Q <RX ZLOO WKHQ EH JXLGHG WR FRPSOHWH \RXU RUGHU
IFFX RUJ
)RUPV
X'HSRVLW 0RELOH +RPH &DSWXUH
2QOLQH %DQNLQJ PHPEHUV KDYH DFFHVV WR VHYHUDO DGGLWLRQDO VHUYLFHV DQG IRUPV WKDW DUH QHFHVVDU\ LQ FDUU\LQJ RXW VSHFLILF DQG LPSRUWDQW 2QOLQH %DQNLQJ DFFRXQW WDVNV VXFK DV &KDQJH %HQHILFLDU\ &ORVH $FFRXQW RU 6HUYLFH RU $FFRXQW &KDQJH )RUP ,Q WKH 6HUYLFHV PHQX VHOHFW )RUPV 7KHQ VHOHFW D VHUYLFH E\ VLPSO\ GRXEOH FOLFNLQJ RQ LW RU MXVW FOLFN WKH VHUYLFH DQG WKH 9LHZ EXWWRQ ORFDWHG DW WKH ERWWRP RI WKH VFUHHQ
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
2QFH HQUROOHG IROORZ WKHVH HDV\ LQVWUXFWLRQV WR GHSRVLW \RXU FKHFN &OLFN WKH PRELOH DSS LFRQ WR ORJ LQ (QWHU \RXU 8VHU ,' DQG 3DVVZRUG &OLFN 6LJQ ,Q 7KH QH[W VFUHHQ ZLOO GLVSOD\ D GDVKERDUG RYHUYLHZ RI \RXU DFFRXQWV &OLFN 0HQX WR UHYHDO DGGLWLRQDO RSWLRQV VXFK DV 0HVVDJHV 7UDQVIHU 0RQH\ DQG 'HSRVLW &KHFN &OLFN 'HSRVLW &KHFN
IFFX RUJ
IFFX RUJ
X'HSRVLW 0RELOH +RPH &DSWXUH FRQWLQXHG
0\ 0RQH\ 0DS 0\ 0RQH\ 0DS RIIHUV DQ LQWHJUDWHG VXLWH RI SURYHQ 3HUVRQDO )LQDQFLDO 0DQDJHPHQW 3)0 VRIWZDUH 7KLV WRRO HPSRZHUV \RX WKURXJK RQOLQH EDQNLQJ DQG %LOO3D\ E\ JLYLQJ \RX PRUH FRQWURO DQG D KROLVWLF YLHZ RI \RXU DVVHWV OLDELOLWLHV FDVK IORZ JRDOV DQG EXGJHWV %ULQJ LQ LQYRLFHV RU ILQDQFLDO VWDWHPHQWV IURP RWKHU LQVWLWXWLRQV RU LQYHVWPHQW ILUPV VR \RX ZLOO KDYH HYHU\WKLQJ LQ RQH VSRW PDNLQJ \RXU ILQDQFLDO OLIH HDVLHU
<RX ZLOO EH SURPSWHG WR HQWHU ZKLFK DFFRXQW \RX DUH GHSRVLWLQJ WKH FKHFN WKH FKHFN QXPEHU DQG WKH DPRXQW )ROORZ WKH SURPSWV WR WDNH D SKRWR RI WKH IURQW DQG EDFN RI WKH FKHFN <RX ZLOO UHFHLYH D PHVVDJH ZKHQ LW KDV EHHQ VXFFHVVIXOO\ FRPSOHWHG &XW RII RI WLPH LV SP IRU WKH ILQDO SRVWLQJ RI WKH GD\
)RU TXHVWLRQV DERXW 0\ 0RQH\ 0DS VHOHFW +HOS RQ WKH IDU ULJKW KDQG VLGH
IFFX RUJ
IFFX RUJ
8SGDWH &RQWDFW ,QIR
$FFRXQW 3UHIHUHQFHV
,W¶V LPSRUWDQW WR NHHS \RXU FRQWDFW LQIRUPDWLRQ VXFK DV \RXU HPDLO DGGUHVV SK\VLFDO DGGUHVV DQG SKRQH QXPEHUV XS WR GDWH ,QIRUPDWLRQ ZLOO XSGDWH RQ WKH DFFRXQW OHYHO EXW ZLOO QRW XSGDWH \RXU 6HFXUH $FFHVV &RGH LQIRUPDWLRQ 6HOHFW 6HFXULW\ XQGHU WKH 3UHIHUHQFHV WDE WR XSGDWH \RXU 6HFXUH $FFHVV &RGH GHOLYHU\ PHWKRGV
7KH $FFRXQW 3UHIHUHQFHV IHDWXUH DOORZV \RX WR FKDQJH WKH ZD\ \RXU DFFRXQWV DUH GLVSOD\HG ZLWKLQ 2QOLQH %DQNLQJ +HUH \RX FDQ FUHDWH ³QLFNQDPHV´ IRU \RXU DFFRXQWV OLNH ³3D\UROO $FFRXQW´ RU ³-RKQ¶V &KHFNLQJ $FFRXQW´
,Q WKH 3UHIHUHQFHV PHQX VHOHFW $FFRXQW
,Q WKH 6HUYLFHV PHQX VHOHFW 8SGDWH &RQWDFW ,QIR )ROORZ WKH SURPSWV DQG HQWHU WKH FXUUHQW DQG XSGDWHG LQIRUPDWLRQ LQ WKH SURYLGHG ILHOGV &OLFN 8SGDWH ZKHQ ILQLVKHG
7KH 2UGHU IHDWXUH DOORZV \RX WR SULRULWL]H WKH RUGHU LQ ZKLFK \RX VHH \RXU DFFRXQWV $OO DFFRXQWV DUH JURXSHG E\ DFFRXQW W\SH VXFK DV FKHFNLQJ VDYLQJV HWF <RX FDQQRW FKDQJH WKH RUGHU RI WKH JURXS EXW \RX FDQ SULRULWL]H WKH RUGHU ZLWKLQ WKH JURXS <RX ZLOO VHH WKLV FKDQJH UHIOHFWHG LQ \RXU $FFRXQW 2YHUYLHZ SDJH
(QWHU DQ\ ³QLFNQDPHV´ RU 'LVSOD\ 1DPHV IRU \RXU DFFRXQWV &KRRVH KRZ \RX¶G SUHIHU WR YLHZ \RXU DFFRXQW E\ FKRRVLQJ HLWKHU KLVWRU\ LWHPV RU GD\V DQG WKH DPRXQW RI HLWKHU &OLFN 6XEPLW ZKHQ \RX DUH ILQLVKHG
IFFX RUJ
IFFX RUJ
$OHUW 3UHIHUHQFHV
6HFXULW\ 3UHIHUHQFHV
$OHUW 3UHIHUHQFHV DOORZ \RX WR EH FXUUHQW ZLWK \RXU DFFRXQW EDODQFHV WUDQVDFWLRQV DQG D YDULHW\ RI RWKHU DOHUWV <RX FDQ HYHQ EH DOHUWHG ZKHQ D WUDQVDFWLRQ WDNHV SODFH DW D VSHFLILHG UHWDLOHU 'HSHQGLQJ RQ \RXU SUHIHUHQFH ZH ZLOO VHQG \RX DQ HPDLO D WH[W PHVVDJH SKRQH FDOO RU D VHFXUH PHVVDJH ZKHQ WKH DOHUWV \RX FKRRVH DUH WULJJHUHG
7R DFFHVV WKH 6HFXULW\ )HDWXUHV ZLWKLQ 2QOLQH %DQNLQJ VHOHFW 6HFXULW\ LQ WKH 3UHIHUHQFHV PHQX 7KLV ZLOO DOORZ \RX WR FKDQJH \RXU SDVVZRUG VHW XS VHFXULW\ DOHUWV DQG DGG \RXU VHFXUH GHOLYHU\ FRQWDFW RSWLRQV 6HWWLQJ XS VHFXULW\ DOHUWV LV DQ H[FHOOHQW ZD\ WR SUHYHQW IUDXG DQG NHHS LQIRUPHG RI FKDQJHV WR \RXU DFFRXQW DQG RQOLQH SURILOH
6HFXUH 'HOLYHU\ 7DE 7R XSGDWH \RXU SUHIHUUHG HPDLO RU SKRQH FRQWDFW LQIRUPDWLRQ IRU UHFHLYLQJ D 6HFXUH $FFHVV &RGH FOLFN RQ $GG 'HOLYHU\ &RQWDFW FKRRVH WKH W\SH RI FRQWDFW HQWHU WKH LQIRUPDWLRQ DQG FOLFN 6XEPLW 8SGDWLQJ \RXU LQIRUPDWLRQ KHUH GRHV QRW XSGDWH \RXU SURILOH )RU WKRVH XSGDWHV KHDG RYHU WR WKH 8VHU WDE
,Q WKH 3UHIHUHQFHV PHQX VHOHFW $OHUWV
<RXU FXUUHQW VHW XS DOHUWV ZLOO EH GLVSOD\HG LQ WKH PDLQ ZLQGRZ 7R EHJLQ DGGLQJ D QHZ DOHUW FOLFN WKH $GG $OHUW GURS GRZQ PHQX 7KHQ FKRRVH WKH W\SH RI DOHUW \RX ZRXOG OLNH WR HVWDEOLVK VXFK DV 1HZ $FFRXQW $OHUW 1HZ 'DWH $OHUW 1HZ +LVWRU\ $OHUW RU 1HZ 7UDQVDFWLRQ $OHUW
&KRRVH IURP WKH SURYLGHG RSWLRQV DQG HQWHU DQ\ LQIRUPDWLRQ UHTXLUHG :KHQ ILQLVKHG FOLFN 2.
IFFX RUJ
IFFX RUJ
0RELOH $XWKRUL]DWLRQV
7H[W %DQNLQJ
0RELOH $XWKRUL]DWLRQ LV DQ H[WUD VHFXULW\ PHDVXUH WR HQVXUH QRERG\ EXW \RX LV DFFHVVLQJ \RXU DFFRXQW
<RX FDQ DOVR HQUROO IRU 7H[W %DQNLQJ ZKLFK ZLOO DOORZ DFFHVV WR RXU WH[W VHUYLFHV
,Q WKH 3UHIHUHQFHV PHQX VHOHFW 0RELOH WKHQ FKRRVH WKH 7H[W %DQNLQJ WDE ,Q WKH 3UHIHUHQFHV PHQX VHOHFW 0RELOH WKHQ FKRRVH WKH 0RELOH $XWKRUL]DWLRQV WDE
&KRRVH (QDEOH DQG DXWKRUL]H WH[W EDQNLQJ RQ WKH EHORZ PRELOH GHYLFH
(QWHU DQ\ GLJLW FRGH <RX ZLOO QHHG WKLV FRGH WR PDNH WUDQVIHUV DQG DSSURYH WUDQVDFWLRQV XVLQJ WKH PRELOH EURZVHU RQ \RXU PRELOH GHYLFH
(QWHU \RXU 606 7H[W 1XPEHU LI \RX DUH XVLQJ D FHOO SKRQH WKLV ZLOO EH \RXU SKRQH QXPEHU DQG FOLFN WKH ER[ QH[W WR $JUHH WR 7HUPV
&OLFN 6XEPLW ZKHQ ILQLVKHG
:KHQ ILQLVKHG FOLFN 6XEPLW 7H[W &RPPDQG 2SWLRQV 7R %$1.0( )RU 7KH )ROORZLQJ ,QIRUPDWLRQ
%$/ RU %$/ DFFRXQW QLFNQDPH! 5HTXHVW DFFRXQW EDODQFH +,67 DFFRXQW QLFNQDPH!
5HTXHVW DFFRXQW KLVWRU\
;)(5 IURP DFFRXQW QLFNQDPH! 7UDQVIHU IXQGV EHWZHHQ DFFRXQWV WR DFFRXQW QLFNQDPH! DPRXQW!
IFFX RUJ
/,67
5HFHLYH D OLVW RI NH\ZRUGV
+(/3
5HFHLYH D OLVW RI FRQWDFW SRLQWV IRU LQIRUPDWLRQ RQ WH[W EDQNLQJ
6723
6WRS DOO WH[W PHVVDJHV WR WKH PRELOH GHYLFH IRU WH[W EDQNLQJ DQG 606 DOHUWV QRWL¿FDWLRQV
IFFX RUJ
7KHPHV
1RWHV
&KDQJH WKH ORRN DQG IHHO RI \RXU 2QOLQH %DQNLQJ H[SHULHQFH E\ VHOHFWLQJ RQH RI RXU WKHPHV WKDW ILWV \RX
,Q WKH 3UHIHUHQFHV PHQX VHOHFW 7KHPHV )URP WKH GURS GRZQ PHQX WHVW RXW WKH YDULHW\ RI WKHPH VHWWLQJV XQWLO \RX ILQG RQH WKDW VXLWV \RX &OLFN 6XEPLW ZKHQ ILQLVKHG <RX PD\ FKDQJH \RXU WKHPH DV RIWHQ DV \RX G OLNH ,I \RX QHHG D ODUJHU IRQW WKHPH VHOHFW &ODVVLF %OXH
IFFX RUJ
IFFX RUJ