In Smartcard Most Important Terms and Conditions

Download as pdf or txt
Download as pdf or txt
You are on page 1of 4

Smart Credit Card1F

IMPORTANT INFORMATION DOCUMENT - Credit Cards


'HDU&XVWRPHU
7KDQN\RXIRUDSSO\LQJIRU6WDQGDUG&KDUWHUHG&UHGLW&DUG ³&DUG´ :HZRXOGOLNHWRNHHS\RXLQIRUPHGRIWKHNH\WHUPVDQGFRQGLWLRQVUHODWLQJWR
\RXU&DUG:HWUXVWWKDW\RXKDYHUHFHLYHGUHDGDQGXQGHUVWRRGWKH&XVWRPHU7HUPVDQGWKH&UHGLW&DUGWHUPVZKLFKDSSO\WR&DUGVDQGDJUHHWR
DELGHE\WKHP
1RWH&DUGVDUHDFUHGLWPHFKDQLVPIRUVKRUWWHUPFUHGLWQHHGVHYHU\GD\VSHQGFDWHJRULHV6KRXOG\RXKDYHORQJWHUPIXQGLQJUHTXLUHPHQWVZHGR
KDYHDUDQJHRISURGXFWVIRUWKHVDPH'RFDOORXU+HOSOLQH QXPEHUVVHWRXWDWWKHHQGRIWKLVGRFXPHQW IRUIXUWKHUGHWDLOV:HZRXOGOLNHWRGUDZ
\RXUDWWHQWLRQWRWKHVHNH\WHUPV

 3D\PHQWRI\RXU&DUGELOOV3D\PHQWRI\RXU&DUGELOOVFDQEHGRQHE\WKHIROORZLQJPHDQV
 ‡ 2QOLQHEDQNLQJ
  ‡%LOO'HVN)URPGLIIHUHQWEDQNDFFRXQWVGLUHFWO\WR\RXU&DUGDFFRXQW
   9LVLWKWWSVZZZELOOGHVNFRPSJPHUFVWDQGDUGFKDUWHUHGLQGH[KWP
  ‡ 1()7,%)7)URP\RXUEDQNDFFRXQWGLUHFWO\WR\RXU&DUGDFFRXQWE\TXRWLQJWKH,)6&FRGH6&%/DQGWKHDGGUHVVDV0*5RDG
0XPEDL
  ‡ 9LVD0RQH\7UDQVIHU,QFDVHRI9LVDIUDQFKLVHHFUHGLWFDUGVSD\WKURXJK\RXUEDQNDFFRXQWXVLQJ9LVD0RQH\7UDQVIHU)HHVIRU9LVD
0RQH\7UDQVIHUPD\EHOHYLHGE\WKHLQLWLDWLQJEDQN
  ‡ 6WDQGDUG&KDUWHUHG2QOLQH%DQNLQJ6WDQGDUG&KDUWHUHGDFFRXQWKROGHUVFDQSD\WKURXJKDQDFFRXQWWUDQVIHU
 ‡ 1$&+1$&+ 1DWLRQDO$XWRPDWHG&OHDULQJ+RXVH IDFLOLWDWHVVWDQGLQJLQVWUXFWLRQVIURP\RXUDFFRXQWWRWKHFUHGLWFDUG7KLVFDQEHLQLWLDWHG
E\VXEPLWWLQJDQ1$&+IRUPDXWKRUL]LQJWUDQVIHURIIXQGV7KLVIRUPQHHGVWREHDWWHVWHGE\WKHEDQNIURPZKHUHWKHSD\PHQWQHHGVWREH
PDGH<RXDUHUHVSRQVLEOHIRUHQVXULQJWKDWWKHGHELWLQVWUXFWLRQLVKRQRXUHG
 ‡ &KHTXH'UDIW3D\PHQW'URSSLQJDFKHTXHRUDGUDIWLQIDYRXURI\RXU6WDQGDUG&KDUWHUHG%DQN&DUGQR[[[[[[[[[[[[[[[[ \RXUGLJLW
&DUGQXPEHU LQWRDQ\RIRXU&KHTXH&ROOHFWLRQ%R[HV9LVLWZZZVFFRPLQIRUWKHFRPSOHWHOLVWRIWKHORFDWLRQVRI&KHTXH&ROOHFWLRQ%R[HV
7KHFKHTXHRUGUDIWQHHGVWREHFRPSOHWHLQDOOUHVSHFWV
  ‡ 0DNH\RXUSD\PHQWVDWOHDVWZRUNLQJGD\VLQDGYDQFHRI\RXU3D\PHQW'XH'DWHWRIDFLOLWDWHWKHWLPHO\FUHGLWRIWKHIXQGVLQWR\RXU&DUG
DFFRXQW1RWHWKDW\RXUFUHGLWOLPLWZLOORQO\EHLQFUHDVHGE\WKHDPRXQW\RXKDYHUHSDLGDIWHURXUUHFHLSWRI\RXUIXQGV
  ‡ ,I\RXKROGPXOWLSOH&DUGVRU(0,DFFRXQWVZLWKXVSOHDVHJLYHXVFOHDULQVWUXFWLRQVRQWKHDOORFDWLRQRISD\PHQWWRWKHVHYDULRXV&DUG
DFFRXQWVRQWKHUHYHUVHRI\RXUFKHTXHV,I\RXDUHLVVXLQJVHSDUDWHFKHTXHVIRUHDFK&DUGDFFRXQWWKHQ\RXVKRXOGFOHDUO\VSHFLI\³1RW
WRDOORFDWH´RQWKHUHYHUVHRIWKHFKHTXH
 ‡ &DVK&DVKSD\PHQWVFDQRQO\EHGHSRVLWHGDWRXUEUDQFKHVXVLQJWHOOHUIDFLOLWLHV
  3OHDVHPDNHVHSDUDWHSD\PHQWDJDLQVWHDFKRI&DUGV,QVWDEX\$FFRXQWV,QWKHDEVHQFHRIVHSDUDWHSD\PHQWZHPD\DSSRUWLRQGLVWULEXWH
WKHSD\PHQWWRFOHDUWKHRXWVWDQGLQJLQRUGHUWRNHHS\RXUDFFRXQWLQJRRGFUHGLWVWDQGLQJ:HZLOODSSO\WKHIXQGVILUVWWRZDUGVFOHDUDQFHRI
WKH0LQLPXP$PRXQW'XHLQUHVSHFWRIDOO&DUGDFFRXQWV\RXKROGZLWKXV7KHUHDIWHUWKHH[FHVVSD\PHQWZLOOEHDOORFDWHGVHTXHQWLDOO\
WRZDUGVSD\PHQWRIWKH&DUGDFFRXQWZLWKKLJKHVWEDODQFH,IDQ\RI\RXU&DUGDFFRXQWLVRYHUGXHZHUHVHUYHWKHULJKWWRSULRULWL]HSD\PHQWV
WRRYHUGXHDFFRXQWVILUVWDVSHURXULQWHUQDOSROLF\)RUIXUWKHUGHWDLOVYLVLWKWWSVZZZVFFRPLQFUHGLWFDUGVSD\PHQWDSSRUWLRQPHQW!
 /HY\RI,QWHUHVW1RWH0RQWKO\SD\PHQWVZLOOEHDSSOLHGILUVWWRZDUGVPHHWLQJWKHSUHYLRXVRXWVWDQGLQJDPRXQWV
2SWLRQ +RZ,QWHUHVWZLOOEHOHYLHG ([DPSOH
,I)8//SD\PHQWRI7RWDO2XWVWDQGLQJ 1R,QWHUHVWZLOOEHFKDUJHG 

LV PDGH HYHU\ PRQWK EHIRUH 3D\PHQW
'XH'DWH
 ,I 3$57,$/ SD\PHQW RI 7RWDO ,QWHUHVW ZLOO EH FKDUJHG IRU DOO WUDQVDFWLRQV  $XJ6WDWHPHQWZLWKZLWKSUHYLRXVRXWVWDQGLQJRI
VW

2XWVWDQGLQJ LV PDGH HYHU\ PRQWK LQFXUUHG LQ WKH FXUUHQW VWDWHPHQW IURP WKH `ZLWKSD\PHQWGXHGDWHRI WK
$XJWK$XJ
EHIRUH3D\PHQW'XH'DWH WUDQVDFWLRQGDWHWLOOWKH6WDWHPHQW'DWH 7UDQVDFWLRQIRU`  $XJ3D\PHQWRI`
WK

7KHFORVLQJEDODQFHLQWKHSUHYLRXVVWDWHPHQW UHFHLYHG 6HS&XUUHQWVWDWHPHQWJHQHUDWHGZLWK


VW

ZLOO DWWUDFW LQWHUHVW IURP RQH GD\ SRVW WKHLQWHUHVWFKDUJHVIRUD `IURP $XJWRWK
QG

6WDWHPHQW'DWHWLOORQHGD\SULRUWRWKHGDWHRI $XJE `IURP WK


$XJWR VW
6HSF `
SD\PHQWLQWKHFXUUHQWVWDWHPHQW7KHEDODQFH IURP $XJWR 6HS
WK VW

DIWHUSD\PHQWZLOODWWUDFWLQWHUHVWIURPWKHGDWH
RISD\PHQWWLOOWKH6WDWHPHQW'DWH

 ,I \RX XVXDOO\ PDNH 3$57,$/ 7KH FORVLQJ EDODQFH DV SHU \RXU SUHYLRXV 3UHYLRXV 6WDWHPHQW 'DWH VW $XJ 6WDWHPHQW

SD\PHQW EXW LQ WKH &855(17 PRQWK VWDWHPHQWZLOODFFUXHLQWHUHVWXQWLOWKHGDWHRI JHQHUDWHGZLWKRXWVWDQGLQJRI`ZLWKSD\PHQW
\RX KDYH PDGH )8// 3D\PHQW RI WKH SD\PHQW
 GXHGDWHDVWK$XJWK$XJ3D\PHQWUHFHLYHGIRU
7RWDO 2XWVWDQGLQJ EHIRUH WKH 3D\PHQW
 ``ZLOODWWUDFWLQWHUHVWIURPQG$XJWR
'XH'DWH WK$XJ GD\VLQ$XJXVW

'RHVQRWLQFOXGH&DVKWUDQVDFWLRQV A,QWHUHVWGHELWHGLQWKLVFDVHZLOOEH [[ `
 $QQXDOL]HG3HUFHQWDJH5DWH ZHI0D\ 7KHPRQWKO\LQWHUHVWUDWHLVDQQXDOL]HGWRDUULYHDWWKHDQQXDOL]HGSHUFHQWDJHUDWH
$35 0RQWKO\LQWHUHVWUDWHRISPLVDQQXDOL]HGWRDUULYHDWDQ$35RIIRUDOO6WDQGDUG&KDUWHUHG&UHGLW&DUGV+RZHYHUIRU
DOOLQVWDQWFUHGLWFDUGYDULDQWVWKHPRQWKO\LQWHUHVWUDWHLVSP $35RI &DVKWUDQVDFWLRQVZLOODWWUDFWDQLQWHUHVWUDWHRI
SP $35RI 
 0LQLPXP$PRXQW'XH ³0$'´ 7KHPLQLPXPDPRXQWGXHHYHU\PRQWKVKDOOEHKLJKHURIWKHIROORZLQJ D RIVWDWHPHQWRXWVWDQGLQJRU E 
VXPWRWDORIDOOLQVWDOOPHQWVELOOHGLQWHUHVWIHHVRWKHUFKDUJHVDPRXQWWKDWLVRYHUOLPLWDQGRIWKHSULQFLSDORU F `,QFDVH\RXKDYHDQ
XQSDLGPLQLPXPDPRXQWGXHIURPWKHSUHYLRXVPRQWKWKHVDPHZLOOEHDGGHGWRWKHPLQLPXPDPRXQWGXHIRUWKHFXUUHQWPRQWK DVFDOFXODWHG
DERYH 
 ,QFDVHRIGHIDXOWRULIWKHVWDWHPHQWEDODQFHLVOHVVWKDQ`WKHHQWLUHRXWVWDQGLQJDPRXQWPD\KDYHWREHSDLG,I\RXVSHQG`
DQGSD\EDFNH[DFWO\WKH0$'HYHU\PRQWKLWZLOOWDNHDSSUR[LPDWHO\\HDUVWRSD\EDFNWKHFRPSOHWHDPRXQW:HWKHUHIRUHVXJJHVW
WKDWZKHQHYHU\RXUFDVKIORZDOORZV\RXGRSD\EDFNVXEVWDQWLDOO\PRUHWKDQ\RXUPLQLPXPSD\PHQWGXH
 ,QWHUHVWIUHH *UDFH 3HULRG
 D7KH3D\PHQW'XH'DWHRQ\RXU&DUGFDQEHEHWZHHQDQGGD\VDIWHUWKH6WDWHPHQW'DWH(Please check your statement for your
exact Payment Due Date).7KHUHIRUHWKHLQWHUHVWIUHHFUHGLWSHULRGFDQUDQJHIURPGD\VWRGD\VGHSHQGLQJRQ\RXU3D\PHQW
'XH'DWH7KHLQWHUHVWIUHHSHULRGGRHVQRWDSSO\IRUFDVKDGYDQFHVDQGUHYROYLQJEDODQFHV)RUWKHVHLQWHUHVWLVFKDUJHGIURPWKHGDWHRI
WKHWUDQVDFWLRQ:HUHVHUYHWKHULJKWWRFKDQJHWKLVLQWHUHVWIUHHSHULRGE\JLYLQJ\RXQRWLFH
 ([DPSOH$VVXPHWKDW\RXU6WDWHPHQW'DWHLV1RY FRYHULQJWUDQVDFWLRQVELOOHGEHWZHHQ2FWDQG1RY DQG\RXU3D\PHQW'XH'DWHLV
1RY<RXKDYHSDLGWKHWRWDODPRXQWGXHE\1RY PDNLQJ\RXHOLJLEOHIRULQWHUHVWIUHHSHULRG ,QWKLVFDVHWKH3D\PHQW'XH'DWHLVGD\V
DIWHUWKH6WDWHPHQW'DWHDQGWKHLQWHUHVWIUHHSHULRGZLOOUDQJHIURPGD\V‡)RUDWUDQVDFWLRQELOOHGRQ2FWWKHLQWHUHVWIUHHSHULRGLV
GD\V IURP2FWWR1RY ‡)RUDWUDQVDFWLRQELOOHGRQ1RYWKHLQWHUHVWIUHHSHULRGLVGD\V IURP1RYWR1RY
 E)RU6PDUWFUHGLWFDUG\RXZLOOHQMR\DQH[WHQGHGLQWHUHVWIUHHSHULRGIRUWKHILUVWGD\VSRVWLVVXDQFHRIWKH6PDUWFUHGLWFDUGSURYLGHGWKH
PLQLPXPDPRXQWGXH 0$' LQGLFDWHGRQWKHVWDWHPHQWRIRXWVWDQGLQJLVWLPHO\VHUYLFHGE\\RX7KHH[WHQGHGLQWHUHVWIUHHSHULRGLVRQO\
DSSOLFDEOHIRUUHWDLOWUDQVDFWLRQV LHRQOLQHDQGSRLQWRIVDOHWUDQVDFWLRQV DQGZLOOQRWDSSO\IRUFDVKDGYDQFHV$IWHUWKHH[SLU\RIWKHILUVW
GD\VSRVWLVVXDQFHRIWKH6PDUWFUHGLWFDUGWKHLQWHUHVWIUHHSHULRGZLOOEHDSSOLFDEOHDVSHUDDERYH)RUPRUHGHWDLOVYLVLWVFFRPLQ
FUHGLWFDUGVVPDUWFDUG
 5DLVLQJWUDQVDFWLRQGLVSXWHIRU(OHFWURQLF%DQNLQJ7UDQVDFWLRQV <RXKDYHWRSURPSWO\UHSRUWDQ\XQDXWKRUL]HGWUDQVDFWLRQLQFOXGLQJ
HOHFWURQLF EDQNLQJ WUDQVDFWLRQ  RQ WKH FUHGLW FDUG WR WKH %DQN HLWKHU WKURXJK 3KRQH %DQNLQJ (PDLO &KDQQHO 2QOLQH  %DQNLQJ RU %UDQFK
HQVXULQJ WKDW WKHUH LV QR GHOD\ LQ UHSRUWLQJ <RXU OLDELOLW\ IRU WKH XQDXWKRULVHG WUDQVDFWLRQ GXH WR WKLUG SDUW\ EUHDFK ZLOO EH GHWHUPLQHG LQ
DFFRUGDQFHZLWKWKH%DQN¶V3ROLF\RQ/LPLWHG/LDELOLW\RI&XVWRPHUVLQ8QDXWKRUL]HG(OHFWURQLF%DQNLQJ7UDQVDFWLRQV ³3ROLF\´ ZKLFKLVDYDLODEOH
RQWKH%DQN¶VZHEVLWHDWKWWSVDYVFFRPLQFRQWHQWGRFVLQOLPLWHGOLDELOLW\QRWHRQZHEVLWHSGI!<RXUµOLDELOLW\¶LVOLQNHGWRWKHWLPHIUDPHZLWKLQ
ZKLFK \RX UHSRUW DQ\ XQDXWKRUL]HG WUDQVDFWLRQ RQ WKH FUHGLW FDUG WR WKH %DQN DQG PRUH GHWDLOV RQ WKDW DUH DYDLODEOH LQ WKH 3ROLF\ ,I WKH
LQYHVWLJDWLRQGRQHE\WKH%DQNLVLQFRPSOHWHRULQFRQFOXVLYHZLWKLQZRUNLQJGD\VIURPWKHGDWHRIQRWLILFDWLRQE\\RXRIWKHXQDXWKRUL]HG
WUDQVDFWLRQWKH%DQNZLOOSURYLGHDSURYLVLRQDOFUHGLWRUDVKDGRZFUHGLWRIWKHGLVSXWHGDPRXQWWR\RX LQDFFRUGDQFHZLWKWKH3ROLF\ 7KH
SURYLVLRQDOFUHGLWRUVKDGRZFUHGLWVKDOOEHYDOXHGDWHG VXEMHFWWRWKHXQDXWKRUL]HGWUDQVDFWLRQEHLQJUHSRUWHGWRWKH%DQNZLWKLQZRUNLQJGD\V 
WREHDVGDWHRIWKHWUDQVDFWLRQDVXQGHUWDNHQRQ\RXUFUHGLWFDUGVRWKDWWKHUHLVQRLQWHUHVWIRUWKLVWUDQVDFWLRQ,IWKHLQYHVWLJDWLRQRXWFRPH
UHYHDOVWKDWWKHUHKDVEHHQQHJOLJHQFHFRPSURPLVHRIWKHVHFXUHGFUHGHQWLDOVE\\RXWKHQWKHSURYLVLRQDOFUHGLWRUWKHVKDGRZFUHGLWZLOOEH
UHYHUVHGE\WKH%DQNDQGLQWHUHVWFKDUJHVZLOOEHDSSOLFDEOHDVSHUWHUPV
 (OHFWURQLFEDQNLQJWUDQVDFWLRQVFDQEHGLYLGHGLQWRWZRFDWHJRULHV‡5HPRWHRQOLQHSD\PHQWWUDQVDFWLRQV WUDQVDFWLRQVWKDWGRQRWUHTXLUHSK\VL
FDOSD\PHQWLQVWUXPHQWVWREHSUHVHQWHGDWWKHSRLQWRIWUDQVDFWLRQVHJ,QWHUQHWEDQNLQJPRELOHEDQNLQJFDUGQRWSUHVHQW &13 WUDQVDFWLRQV 
3UHSDLG3D\PHQW,QVWUXPHQWV 33, DQG‡)DFHWRIDFHSUR[LPLW\SD\PHQWWUDQVDFWLRQV WUDQVDFWLRQVZKLFKUHTXLUHWKHSK\VLFDOSD\PHQWLQVWUX
PHQWVXFKDVDFDUGRUPRELOHSKRQHWREHSUHVHQWDWWKHSRLQWRIWUDQVDFWLRQHJ$70326HWF´<RXPD\UHSRUWDQXQDXWKRULVHGWUDQVDFWLRQ
LQFOXGLQJDQHOHFWURQLFEDQNLQJWUDQVDFWLRQWKURXJKRXUWROOIUHHQRRUE\ORJJLQJLQWR2QOLQH%DQNLQJRU6&PRELOHDQGDOVRE\
ORJJLQJDGLVSXWHWKURXJK(PDLOLGFDUGVHUYLFHV#VFFRPZKLFKLVDOVRDYDLODEOHRQRXUZHEVLWHKWWSVZZZVFFRPLQKHOSFRPSODLQWV 
 6XSSOHPHQWDU\$GG2Q&DUGV,I\RXKDYHVXSSOHPHQWDU\&DUGVOLQNHGWR\RXU&DUGWKH\VKDOOEHLVVXHGZLWKWKHFOHDUXQGHUVWDQGLQJWKDW
\RXZLOOEHOLDEOHIRUWKHVXSSOHPHQWDU\&DUGVDVDSULQFLSDOFDUGKROGHU<RXDUHDOVRUHVSRQVLEOHIRUHQVXULQJWKDWWKHVXSSOHPHQWDU\FDUGKROG
HU V LVDUHDZDUHRIWKHREOLJDWLRQVLQRXU&XVWRPHU7HUPVDQG&UHGLW&DUG7HUPV
 5HSRUWLQJDORVWRUVWROHQFDUGLPPHGLDWHO\,I\RXU&DUGLVORVWRUVWROHQZLWKLQ,QGLDRUZKLOHWUDYHOOLQJRYHUVHDV\RXVKRXOGQRWLI\RXU
+HOSOLQHLPPHGLDWHO\
 <RXUOLDELOLW\IRU/RVW&DUG<RXZLOOEHOLDEOHIRUFKDUJHVLQFXUUHGRQ\RXU&DUGXQWLORXU+HOSOLQHLQ,QGLDLVLQIRUPHGRIWKHORVV,ID&DUGLV
UHSRUWHGORVWVWROHQRUGDPDJHGDQGLVVXEVHTXHQWO\IRXQG\RXVKDOOEHUHVSRQVLEOHIRULQYDOLGDWLQJWKH&DUGE\GHVWUR\LQJLW
 6WDWHPHQWV6WDWHPHQWVZLOOEHLVVXHGRQFHHYHU\PRQWKIRU&DUGDFFRXQWVZLWKDEDODQFHRIPRUHWKDQ`)RU&DUGDFFRXQWVZLWKDEDODQFH
RIOHVVWKDQ`DVWDWHPHQWZLOOEHLVVXHGZKHQDQHZWUDQVDFWLRQUHIOHFWVLQWKH&DUGDFFRXQW
 ‡ ,I\RXKDYHDFUHGLWEDODQFHLQ\RXU&DUGDFFRXQWDVWDWHPHQWZLOOEHLVVXHGWR\RXRQO\LIWKHFUHGLWEDODQFHH[FHHGV`
 ‡ 8QOHVV\RXKDYHRSWHGWRUHFHLYHKDUGFRS\VWDWHPHQWVLQ\RXUFUHGLWFDUGDSSOLFDWLRQIRUP\RXZLOOUHFHLYHWKHVHVWDWHPHQWVWKURXJK(PDLO
DQGZLOOQRWUHFHLYHWKHKDUGFRS\VWDWHPHQW<RXFDQFKHFN\RXVWDWHPHQWVIRUWKHSUHYLRXVPRQWKVRQVFFRPLQ3K\VLFDOVWDWHPHQWVZLOO
EHSURYLGHGRQUHTXHVWWKURXJKSKRQHEDQNLQJ
:KHQ\RXDUHGHHPHGWRKDYHUHFHLYHGVWDWHPHQWVZHVHQW<RXZLOOEHGHHPHGWRKDYHUHFHLYHGDOOGRFXPHQWVZHVHQGWR\RX LQFOXGLQJ
WKHFDUGVWDWHPHQWDQGDQ\PHVVDJHVSULQWHGRQWKHVWDWHPHQW 
 D  RQWKHGD\ZHKDQGRYHUDQ\GRFXPHQWWRDSHUVRQDOFRXULHUDJHQF\
 E  RQWKHH[SLUDWLRQRIWKHIRXUWKGD\RISRVWLQJWKHGRFXPHQWE\RUGLQDU\SRVWDQGDGGUHVVHGWR\RXUPDLOLQJDGGUHVVUHJLVWHUHGZLWKXV
 F  RQWULJJHURIWKH(6WDWHPHQWWR\RXUUHJLVWHUHG(0DLODGGUHVVZLWKXV
 7HUPLQDWLRQRI&DUG<RXPD\DWDQ\WLPHVXUUHQGHURUFORVH\RXU&DUGE\LQIRUPLQJXVHLWKHUE\FDOOLQJRXUKHOSOLQHQXPEHUV DYDLODEOHRQ
RXUZHEVLWHDWVFFRPLQKHOSFRPSODLQWV RUE\ZULWLQJWRXVIRULQLWLDWLQJWKHFORVXUHDWFXVWRPHUFDUH#VFFRP
 ,ID&DUGKDVQRWEHHQXVHGIRUDSHULRGRIPRUHWKDQRQH\HDUWKH%DQNZLOOLQLWLDWHWKHSURFHVVWRFORVHWKH&DUG'XHLQWLPDWLRQVKDOOEHSURYLG
HGWR\RXDQGLIQRUHSO\LVUHFHLYHGIURP\RXRU\RXGRQ
WXVH\RXUFDUGZLWKLQDSHULRGRIGD\VWKHFDUGVKDOOEHFORVHG
&UHGLW/LPLW$VVLJQPHQWRIFUHGLWOLPLWZLOOEHDWWKHVROHGLVFUHWLRQRIWKHEDQN:HZLOOVHWDFUHGLWOLPLWWR\RXU&DUGDQGKDYHDULJKWWRUHGXFH
\RXUWRWDOFUHGLWOLPLWEDVHGRQFHUWDLQFRQVLGHUDWLRQV IRULQVWDQFHZKHQ\RXXVH\RXU&DUGWRZLWKGUDZFDVKRQDIUHTXHQWEDVLVZKHQ\RX
SXUFKDVHMHZHOOHU\ZLWKLQGD\VRI\RXU&DUGVHWXSLI\RXSD\LUUHJXODUO\DQGLI\RXIUHTXHQWO\XVHRIDOORI\RXUDYDLODEOHFUHGLWOLPLW :HZLOO
LQIRUP\RXZKHQZHUHGXFH\RXUFUHGLWOLPLW<RXUDYDLODEOHFUHGLWOLPLWLVFDOFXODWHGE\GHGXFWLQJWKHDPRXQW\RXKDYHXVHGIURP\RXUWRWDOFUHGLW
OLPLW,I\RXKDYHWDNHQDORDQRQ\RXU&DUG\RXURXWVWDQGLQJORDQDPRXQWDOVREHGHGXFWHGIURP\RXUWRWDOFUHGLWOLPLW
 :HPD\IRU\RXUFRQYHQLHQFHDXWKRUL]HWUDQVDFWLRQVLQFHUWDLQFLUFXPVWDQFHVDERYH\RXUWRWDOFUHGLWOLPLW DVFRPPXQLFDWHGWR\RXIURPWLPHWR
WLPH $Q2YHU/LPLW&KDUJHDVHQXPHUDWHGLQWKH7DULIIRI&KDUJHVVHFWLRQRIWKH0RVW,PSRUWDQW7HUPVDQG&RQGLWLRQVVKDOOEHOHYLHGIRUVXFK
WUDQVDFWLRQVZKLFKH[FHHG\RXUFUHGLWOLPLW
 &DVK$GYDQFH/LPLW&DVKDGYDQFHOLPLWZLOOEHDVXEVHWRIFUHGLWOLPLWDQGDVVLJQPHQWRIFDVKDGYDQFHOLPLWZLOOEHDWWKHVROHGLVFUHWLRQRI
EDQN7KHEDQNUHVHUYHVWKHULJKWWRLQFUHDVHGHFUHDVHDQGRUXQFRQGLWLRQDOO\FDQFHOWKHFDVKOLPLWDVVLJQHGWRWKHFDUG,QVXFKDQLQVWDQFH
WKHEDQNZLOOLQIRUPLPPHGLDWHO\E\606HPDLO
 ,QIRUPDWLRQ6KDULQJ:HSURYLGHGHWDLOVRIFUHGLWIDFLOLWLHVDYDLOHGIURPXVWR&UHGLW,QIRUPDWLRQ&RPSDQLHV &,& HYHU\PRQWKDQGWKHVHGHWDLOV
DUHDOVRVRXJKWE\XVIURP&,&WRYHULI\LQIRUPDWLRQYL]YDULRXVFUHGLWIDFLOLWLHVDYDLOHGE\\RXIURPRWKHUILQDQFLDOLQVWLWXWLRQVUHSD\PHQWSDWWHUQ
WRWDORXWVWDQGLQJHWFZKLFKKHOSVXVWRGHWHUPLQHVDQFWLRQLQJRIDQHZFUHGLWIDFLOLW\7KHLQIRUPDWLRQUHSRUWHGE\XVLQFOXGHVRYHUGXHDPRXQW
LUUHVSHFWLYH RI VDPH EHLQJ GLVSXWHG RU DJUHHG WR EH VHWWOHG DW \RXU HQG 2Q UHJXODUL]DWLRQ RI \RXU DFFRXQW WKH VWDWXV RI WKH VDPH ZLOO EH
DFFRUGLQJO\XSGDWHGWR&,&LQWKHQH[WPRQWKO\UHSRUW$VSHUWKH&UHGLW,QIRUPDWLRQ&RPSDQLHV 5HJXODWLRQ $FWZHDUHDXWKRUL]HGZLWKRXW
UHIHUHQFHWR\RXWRFRPSO\ZLWKDQ\UHTXHVWDQGGHPDQGIRUDQ\LQIRUPDWLRQIURPDQ\DXWKRULW\XQGHUWKHODZ
,QVWDQFHZKHQ\RXZLOOEHFRQVLGHUHGWREHLQGHIDXOW
 ‡,I\RXGRQRWSD\XVWKH0LQLPXP$PRXQW'XHIRUGD\V\RXZLOOEHFODVVLILHGDVDGHIDXOWHU1RWHWKDWWKHSD\PHQWGDWDLVVKDUHGZLWK
&UHGLW,QIRUPDWLRQ&RPSDQLHVRQDPRQWKO\EDVLV7KLVPHDQVWKDWLI\RXPLVVSD\LQJXVWKH0LQLPXP$PRXQW'XHHYHQIRUDPRQWK\RXU
GHIDXOWZLOOEHFDSWXUHGE\&UHGLW,QIRUPDWLRQ&RPSDQLHV7KLVFRXOGKDYHDGYHUVHLPSDFWRQ\RXUFUHGLWZRUWKLQHVVZKHQ\RXDUHDSSO\LQJIRU
FUHGLWIURPRWKHUEDQNV
 ‡,I\RXSD\DOO\RXURXWVWDQGLQJDQGDVNXVZHZLOOUHPRYH\RXIURPRXUOLVWRIGHIDXOWHUVZLWKLQRQHPRQWK+RZHYHUZHFDQQRWZLWKGUDZ\RXU
FUHGLWKLVWRU\IURP&UHGLW,QIRUPDWLRQ&RPSDQLHVGDWDEDVH
 ‡$IWHU \RX DUH FODVVLILHG DV D GHIDXOWHU ZH PD\ VHQG \RX FRQWLQXRXV UHPLQGHU WKURXJK OHWWHUV WHOHFDOOLQJ 606 HPDLOV DQG DQ\ RWKHU
FRPPXQLFDWLRQPHGLXPDQGDUUDQJHSHUVRQDOPHHWLQJVWRFROOHFWWKHPRQLHV\RXRZHXV
 'HDWKDQG,QVROYHQF\RID&DUGKROGHU7KHHQWLUHRXWVWDQGLQJGXHVLQWKH&DUGDFFRXQWVKDOOEHFRPHSD\DEOHLQIXOOE\\RXUVXFFHVVRUVRU
DVVLJQHHVLQWKHHYHQWRIGHDWKLQVROYHQF\RUWKHZLQGLQJRI\RXUEXVLQHVV
 &URVVGHIDXOW,I\RX
 ‡IDLOWRSD\DQ\RXWVWDQGLQJDPRXQWVZKHQGXHRU
 ‡ FRPPLW DQ\ RWKHU GHIDXOW XQGHU DQ\ DJUHHPHQW ZLWK XV XQGHU ZKLFK \RX DUH HQMR\LQJ DQ\ ILQDQFLDOFUHGLWRURWKHU IDFLOLW\ ZH VKDOO ZLWKRXW
SUHMXGLFHWRDQ\RIRXUVSHFLILFULJKWVXQGHUHDFKDJUHHPHQWEHDEVROXWHO\HQWLWOHGWRH[HUFLVHDOORUDQ\RILWVULJKWDVVHWRXWLQWKH&XVWRPHU
7HUPVDQG&UHGLW&DUG7HUPVLQFOXGLQJFDQFHOOLQJ\RXU&DUGOLPLWDQGGHFODULQJWKHDPRXQWVRXWVWDQGLQJXQGHU\RXU&DUGDVLPPHGLDWHO\GXH
DQGSD\DEOHWRXV
 &DVKEDFN7KHFDVKEDFNDPRXQWDQGRUPHUFKDQWFUHGLWDPRXQWLVUHIOHFWHGDVDFUHGLWLQ\RXUFDUGVWDWHPHQW2QFHWKHFUHGLWFDUGVWDWHPHQW
 LVJHQHUDWHGFDVKEDFNDPRXQWDQGRUWKHPHUFKDQWFUHGLWDPRXQWFDQQRWEHDGMXVWHGDJDLQVWWKHFDUGRXWVWDQGLQJ7KHFDVKEDFNDPRXQW
DQGRUWKHPHUFKDQWFUHGLWDPRXQWZLOOUHIOHFWLQWKHVXEVHTXHQWFUHGLWFDUGVWDWHPHQW<RXDUHH[SHFWHGWRPDNHWKHSD\PHQWDVLVPHQWLRQHG
LQWKHFDUGVWDWHPHQW
 *ULHYDQFH(VFDODWLRQ3OHDVHUHIHUWRSRLQWQXPEHURIWKH%&6%,FRGHDYDLODEOHRQRXUZHEVLWH,I\RXDUHQRWVDWLVILHGZLWKWKHUHVSRQVH
WKDW\RXKDYHUHFHLYHG\RXFDQZULWHWR3ULQFLSDO1RGDO2IILFHU#VFFRPRUFRQWDFWDWIURP0RQGD\WR)ULGD\
EHWZHHQDPWRSP H[FHSWRQQDWLRQDOKROLGD\V <RXPD\DOVRFRQWDFW0V3UL\D5DJKXQDWKDQ+HDG6HUYLFH4XDOLW\,QGLDDQG6RXWK
$VLDDWWKHHPDLODGGUHVV+HDG6HUYLFH#VFFRPRUDW6WDQGDUG&KDUWHUHG%DQN+HDG&XVWRPHU&DUH8QLW5DMDML6DODL&KHQQDL
 ,I\RXDUHVWLOOQRWVDWLVILHGZLWKWKHUHVSRQVHRULI\RXKDYHQRWUHFHLYHGDUHVSRQVHIURPWKHEDQNZLWKLQDPRQWK\RXPD\DSSURDFK&KLHI*HQHU
DO0DQDJHU&XVWRPHU6HUYLFH'HSDUWPHQW5%,RU\RXPD\DSSURDFK%DQNLQJ2PEXGVPDQRU\RXPD\ILOH\RXUFRPSODLQWEHIRUHWKH%DQNLQJ
2PEXGVPDQ)RUPRUHGHWDLOVRQ%DQNLQJ2PEXGVPDQ6FKHPHUHTXHVW\RXWRYLVLWZZZEDQNLQJRPEXGVPDQUELRUJLQ7RJHWDFRS\RIWKH
%&6%,FRGHFDOOXVDW3KRQH%DQNLQJRUGRZQORDGLWIURPKWWSZZZVFFRPLQ7KHEDQN
VJULHYDQFHUHGUHVVDOSROLF\DQGFRPSHQVDWLRQSROLF\
DUH DYDLODEOH RQ RXU ZHEVLWH KWWSVZZZVFFRPLQLPSRUWDQWLQIRUPDWLRQJULHYDQFHUHGUHVVDO  VFFRPLQLPSRUWDQWLQIRUPDWLRQFRPSHQVD
WLRQSROLF\
 :HFDQZLWKGUDZ\RXU&DUGDWDQ\WLPH1RWZLWKVWDQGLQJDQ\WKLQJFRQWDLQHGKHUHLQWKHIDFLOLW\LVVROHO\DYDLODEOHDWRXUVROHGLVFUHWLRQDQG
WKHUHIRUHDUHVXEMHFWWRFDQFHOODWLRQDQGRUSD\DEOHHDUOLHURQGHPDQGDWDQ\WLPHE\XVLQZKLFKFDVH\RXVKDOOUHSD\WKHVDPHIRUWKZLWKWRXV
:HPD\DWRXUGLVFUHWLRQDQGZLWKRXWOLPLWDWLRQDOVRFRQVLGHUYDULRXVDVSHFWVOLNHFREUDQGSDUWQHUUHODWHGUHTXLUHPHQWV\RXUFURVVSURGXFWV
KROGLQJHWFEHIRUHFRQVLGHULQJ\RXUFUHGLWFDUGIRUFDQFHOODWLRQRUVXVSHQVLRQ
 :KHUH\RXFDQILQGWKHWHUPVDQGFRQGLWLRQVWKDWDSSO\WR\RXU&DUG3OHDVHYLVLWZZZVFFRPLQWRUHDGWKH0RVW,PSRUWDQW7HUPVDQG
&RQGLWLRQV&UHGLW&DUG7HUPVDQG&OLHQW7HUPV
 3RVWDO$GGUHVV0DQDJHU6WDQGDUG&KDUWHUHG&UHGLW&DUGV&UHVFHQ]R&*%ORFN%HKLQG0&$&OXE%DQGUD.XUOD&RPSOH[%DQGUD
(DVW 0XPEDL
 $VSHUH[WDQWUHJXODWRU\JXLGHOLQHV5HVLGHQW,QGLDQVDUHQRWSHUPLWWHGWRPDNHUHPLWWDQFHVLQWKHQDWXUHRIPDUJLQVRUPDUJLQFDOOVWRRYHUVHDV
H[FKDQJHVRYHUVHDVFRXQWHUSDUW\,IDQ\³2YHUVHDV)RUH[7UDGLQJ´WUDQVDFWLRQZLOOEHREVHUYHGRQ\RXU&DUGDFFRXQWZHZRXOGEHFRQVWUDLQHG
WRFORVHDOO\RXUDFFRXQWVDQGUHSRUWWKHVDPHWRWKHUHJXODWRU+HQFH\RXDUHUHTXHVWHGWRUHIUDLQIURPGRLQJVXFKWUDQVDFWLRQVRQ\RXU
&UHGLW'HELW&DUGDFFRXQWV
 7DULIIRI&KDUJHV
/DWH3D\PHQW&KDUJHV `IRUVWDWHPHQWRXWVWDQGLQJEDODQFHOHVVWKDQRUHTXDOWR``IRUVWDWHPHQWRXWVWDQGLQJEDODQFH
ZHI0D\ EHWZHHQ`DQG``IRUVWDWHPHQWRXWVWDQGLQJEDODQFHEHWZHHQ`DQG``IRU
VWDWHPHQW RXWVWDQGLQJ EDODQFH EHWZHHQ `  DQG `  `  IRU VWDWHPHQW RXWVWDQGLQJ EDODQFH
EHWZHHQ`DQG``IRUVWDWHPHQWRXWVWDQGLQJEDODQFHJUHDWHUWKDQ`
([DPSOH,QFDVHWKHUHLVDQRXWVWDQGLQJRI`RQ\RXUFUHGLWFDUGDQG`LQ\RXU%DODQFH7UDQV
IHUDFFRXQWDQGSD\PHQWLVQRWPDGHE\WKH3D\PHQW'XH'DWHWKHUHZLOOEHD/DWH3D\PHQW&KDUJHRI`
LQ\RXUFUHGLWFDUGDFFRXQWDQG`RQ\RXU%DODQFH7UDQVIHUDFFRXQW
7KHH[DPSOHDERYHLVIRULOOXVWUDWLYHSXUSRVHVRQO\$OOFDUGVDQGDOOLQVWDOOPHQWSURGXFWVVXFKDV,QVWDEX\
%DODQFH7UDQVIHU'LDOD/RDQHWFZLOOHDFKDWWUDFW/DWH3D\PHQW&KDUJHVLISD\PHQWLVQRWPDGHE\WKH
3D\PHQW'XH'DWH
/DWH)HH&KDUJHV `ZLOOJHWGHELWHGRYHU DERYHWKHODWHFKDUJHVLIWKH0LQLPXP$PRXQW'XHLVQRWUHFHLYHGIRURUPRUH
FRQVHFXWLYHPRQWKV
&KHTXH%RXQFH&KDUJHV `ZLOOJHWGHELWHGWRZDUGVFKHTXHERXQFHFKDUJHV
2YHU/LPLW&KDUJHV `SHULQVWDQFHRURIWKH2YHUOLPLWDPRXQW 0LQLPXP`
&DUG5HSODFHPHQW)HH 1,/
5HZDUGV+DQGOLQJ&KDUJHV `ZLOOEHFKDUJHGWRZDUGVKDQGOLQJDQGFRXULHUFKDUJHVIRUUHGHPSWLRQRIUHZDUGSRLQWV(PLUDWHV:RUOG
DQG/DQGPDUN5HZDUGV3ODWLQXPZLOOQRWDWWUDFWWKHVHFKDUJHVIRUWKHLUH[FOXVLYHUHZDUGVSURJUDP
&DVK$GYDQFH)HH $70ZLWKGUDZDOVRIFDVKZLWKGUDZDODPRXQWVXEMHFWWRDPLQLPXPRI`
2YHUVHDV7UDQVDFWLRQV $OO RYHUVHDV WUDQVDFWLRQV DUH OHYLHG ZLWK D  WUDQVDFWLRQ IHH7KLV LQFOXGHV FKDUJHV SDLG RXW WR 9LVD
0DVWHUIRUFRQYHUWLQJRYHUVHDVWUDQVDFWLRQVLQWR,15
3OHDVH1RWH7UDQVDFWLRQVDWPHUFKDQWHVWDEOLVKPHQWVWKDWDUHUHJLVWHUHGRYHUVHDVHYHQLIWKHPHUFKDQWLV
ORFDWHGLQ,QGLDDWWUDFWDFKDUJHRIIURP9LVD0DVWHU&DUGZKLFKLVLQFOXGHGDVDSDUWRIWKHWUDQVDFWLRQ
DPRXQWLQ\RXUVWDWHPHQW
6WDQGDUG&KDUWHUHGLVFRPPLWWHGWRFRPSO\ZLWKHFRQRPLFVDQFWLRQVWKDWDUHLPSRVHGE\UHOHYDQWUHJXODWRU\
DXWKRULWLHV$VVXFKZHGRQRWDOORZRXUSURGXFWVDQGVHUYLFHVWREHXVHGGLUHFWO\RULQGLUHFWO\LQFRXQWULHV
WKDWDUHVXEMHFWWRVXFKVDQFWLRQVDQGZLOOQRWSURFHVVWUDQVDFWLRQVZKLFKLQYROYHWKHVHFRXQWULHV3OHDVH
QRWHWKDW\RXZLOOQRWEHDEOHWRFRQWDFWXVYLDSKRQHEDQNLQJIDFVLPLOHWUDQVPLVVLRQRUHPDLOVRUDFFHVVRXU
ZHEVLWHDQGRQOLQHEDQNLQJDQGZHZLOOQRWEHDEOHWRSURYLGH\RXZLWKILQDQFLDOVHUYLFHVLI\RXDUHLQWKHVH
FRXQWULHV:HZLOODOVRQRWSURFHVVSD\PHQWRUWUDGHWUDQVDFWLRQVWKDWLQYROYHWKHVHFRXQWULHV3OHDVHUHIHUWR
RXUZHEVLWHDWKWWSVZZZVFFRPIRUDFXUUHQWOLVWRIFRXQWULHVWKDWDUHVXEMHFWWRHFRQRPLFVDQFWLRQV
6XUFKDUJHV ` RURIWUDQVDFWLRQ ZKLFKHYHULVKLJKHU RQ5DLOZD\WUDQVDFWLRQV`RURIWUDQVDFWLRQ ZKLFKHYHU
LVKLJKHU RQ3HWUROWUDQVDFWLRQV7KHUDWHRIVXUFKDUJHPD\YDU\GHSHQGLQJRQDFTXLULQJEDQN
*RRGVDQG6HUYLFHV7D[ *RRGVDQG6HUYLFHV7D[ *67 ZLOOEHOHYLHGDWWKHDSSOLFDEOHUDWHVLQIRUFHRQDOOWD[DEOHVXSSOLHV
&KHTXH&DVK3LFNXS)HH )RU RYHUGXH FDUG DFFRXQWV FKDUJH RI `  ZLOO EH OHYLHG IRU SD\PHQWV FROOHFWHG E\ DXWKRUL]HG
UHSUHVHQWDWLYHV7KHVDPHZLOOUHIOHFWLQWKHQH[WPRQWK
VVWDWHPHQW
&DVK5HSD\PHQW)HH `IRUPDNLQJSD\PHQWRIFUHGLWFDUGELOOVE\GHSRVLWLQJFDVKDWDQ\6WDQGDUG&KDUWHUHG%DQNEUDQFK
7KHVHFKDUJHVZLOOEHUHIOHFWHGLQWKHQH[WPRQWKVVWDWHPHQW
3DSHU6WDWHPHQW )HHRI`SHUPRQWKIRUSDSHUVWDWHPHQWLQFDVHWKHFXVWRPHURSWVIRUERWKDSDSHUVWDWHPHQWDQGDQ
HOHFWURQLFVWDWHPHQW
6HUYLFH+DQGOLQJ&KDUJHV &KDUJHVDVPHQWLRQHGLQ6FKHGXOHRIFKDUJHVZLOOEHOHYLHGRQO\IRUWKRVHVHUYLFHVWKDWDUHDYDLODEOHWKURXJK
RQOLQHEDQNLQJEXWDUHUHTXHVWHGE\DFXVWRPHUWKURXJK3KRQHEDQNLQJ 1RQ,95 %UDQFKEDQNLQJ)RUDOLVW
RIWKHVHUYLFHVWKDWZLOOEHFKDUJHGSOHDVHUHIHUWRKWWSVZZZVFFRPLQFUHGLWFDUGVWDULIIVDQGFKDUJHV

3URGXFW )HH 'HWDLOV

)LUVW<HDU)HH,15 1$

6PDUW&UHGLW&DUG $QQXDOIHHZLOOEHUHYHUVHGIRUFOLHQWVZLWKVSHQGVJUHDWHUWKDQ
5HQHZDO)HH QG<HDU2QZDUGV ,15 ,15LQUHWDLOWUDQVDFWLRQV 2QOLQHDQGSRLQWRIVDOH
WUDQVDFWLRQVRQO\ LQWKHSUHYLRXV\HDUXVLQJWKH6PDUWFUHGLWFDUG

7HUPVDQG&RQGLWLRQV
‡FDVKEDFNRQDOO2QOLQHWUDQVDFWLRQV7KHPD[LPXPFDVKEDFNFDSSHUPRQWKLV,15
‡FDVKEDFNRQDOO2IIOLQHWUDQVDFWLRQV7KHPD[LPXPFDVKEDFNFDSSHUPRQWKLV,15
‡1RFDVKEDFNLVHDUQHGIRUWUDQVDFWLRQVPDGHRQWKH6PDUWFUHGLWFDUGWRSXUFKDVHIXHO
‡5HWXUQHGSXUFKDVHVGLVSXWHGXQDXWKRUL]HGFKDUJHEDFNIUDXGXOHQWWUDQVDFWLRQVZLOOQRWEHJLYHQDFDVKEDFN
‡6XSSOHPHQWDU\FDUGVGRQRWDWWUDFWDQ\ILUVW\HDUDQGUHQHZDOIHH-RLQLQJRIIHUVDUHQRWDSSOLFDEOHWR6XSSOHPHQWDU\&DUG V
‡7KHLVVXHRI&UHGLW&DUGDQGDVVLJQPHQWRI&UHGLWOLPLWXQGHUWKLVDSSOLFDWLRQLVVXEMHFWWRDSSOLFDWLRQVDWLVI\LQJWKH%DQN¶VFUHGLWFDUGV
QRUPVDQGRWKHUJXLGHOLQHV‡'RQRWPDNHDQ\SD\PHQWDORQJZLWK\RXUDSSOLFDWLRQIRUP‡6XEMHFWWRGRFXPHQWVEHLQJFRPSOHWHDQGDFFXUDWH
LWVKRXOGWDNHDSSUR[LPDWHO\GD\VWRJHW\RXUFUHGLWFDUGDSSURYHG‡2WKHU7HUPVDQG&RQGLWLRQVDSSO\‡7KH&DVKEDFNFDWHJRULHVDQG
DPRXQWV 5HZDUGV VWUXFWXUH DQG RIIHUV PD\ EH UHYLVHG E\ WKH %DQN DW LWV VROH GLVFUHWLRQ ‡ )RU GHWDLOV SOHDVH YLVLW WKH ZHEVLWH DW
ZZZVFFRPLQ‡-RLQLQJIHH LIDSSOLFDEOH ZLOOEHOHYLHGLQWKHILUVWFUHGLWFDUGVWDWHPHQW

3OHDVHVLJQWKLV,PSRUWDQW,QIRUPDWLRQQRWHDQGHQVXUHWKDWRXU6DOHV5HSUHVHQWDWLYHKDVJLYHQ\RXDFRS\IRU\RXUUHFRUGV<RX
PD\FRQWDFWXVRQRXU+HOSOLQHQXPEHUVOLVWHGEHORZIRUDQ\IXUWKHUFODULILFDWLRQV
<RXUVVLQFHUHO\

6LJQDWXUHRI6DOHV5HSUHVHQWDWLYH 6LJQDWXUHRI3ULPDU\$SSOLFDQW

1DPH 1DPH

,'1R 'DWH 'DWH


6PDUW&UHGLW&DUG)B6&%:HEVLWHB9HUB

3KRQH EDQNLQJ VHUYLFHV DUH DYDLODEOH RQ DOO GD\V EHWZHHQ  DP WR  SP )RU HPHUJHQF\ VHUYLFHV OLNH UHSRUW RI ORVW FDUG
XQDXWKRULVHGWUDQVDFWLRQFKDUJHGLVSXWHVWRSSD\PHQWHWFDUHDYDLODEOH[/RJLQWRVFFRPLQIRUVHOIKHOSRSWLRQV
+(/3/,1(180%(56‡$KPHGDEDG%HQJDOXUX&KHQQDL+\GHUDEDG.RONDWD0XPEDL'HOKL3XQH
‡ $OODKDEDG $PULWVDU %KXEDQHVKZDU ,QGRUH -DODQGKDU .DQSXU /XFNQRZ /XGKLDQD 3DWQD 9DGRGDUD    ‡ %KRSDO
&KDQGLJDUK&RLPEDWRUH(UQDNXODP-DLSXU1DJSXU5DMNRW6XUDW‡*XUJDRQ1RLGD0DWKXUD'HKUDGXQ
6DKDUDQSXU       ‡ -DOJDRQ       ‡  *XZDKDWL +RZUDK 6LOLJXUL
      ‡  0\VRUH      ±   ‡   7KLUXYDQDQWKSXUDP 9LVKDNKDSDWQDP
±‡3URGGDWXU
7KHKHOSOLQHQXPEHUVPHQWLRQHGDERYHLVSUHIL[HGE\WKH67'FRGHRI\RXUFLW\)RUHJ,IWKHFLW\LV'HOKLDQG\RXDUHLQ%DQJDORUH
\RXFDQFDOODQ\RIWKHKHOSOLQHQXPEHUVIURPWKHJLYHQOLVWE\GLDOOLQJ'HOKL67'FRGHLHEHIRUHWKHQXPEHUDQGWKHFDOOZLOOJHW
FRQQHFWHGWRSKRQHEDQNLQJGHVN

You might also like