Вы находитесь на странице: 1из 22



'LQRVDXU7UDLQLQJMRKQJULPHNFRXUVH

'LQRVDXU7UDLQLQJ
$ERXW0H

6KRZLQJSRVWVZLWKODEHOMRKQJULPHNFRXUVH 6KRZDOOSRVWV

%URRNV.XELN
9LHZP\FRPSOHWH
SURILOH

+RZ-RKQ*ULPHN7UDLQHG

/DEHOV
EXLOGLQJVWUHQJWKDQGPXVFOH

IUHG

KRZHOO
GLQRVDXUPLQGSRZHU

V XFFHVV

VWRULHV
V WUHQJWKPXVFOHDQGSRZHU

LURQ

JDPHKLVWRU\
 
UHSVTXDWV 
[WUDLQLQJ 
D 
DEZRUN 
DEEUHYLDWHZRUNRXWV 
DEEUHYLDWHGWUDLQLQJ 
DEEUHYLDWHGZRUNRXWV 
DGYDQFHGOLIWHUV 
DODQFDOYHUW 
DODQVWHSKDQ 


'XULQJWKHWLPHKHZRQWKH0U$PHULFDFRQWHVWDQGIRURU\HDUVSULRUWR
ZLQQLQJWKH0U$PHULFDFRQWHVW-RKQ*ULPHNGLGQRERG\EXLOGLQJ
ZKDWVRHYHU+HIROORZHGDQ2O\PSLFZHLJKWOLIWLQJSURJUDPDQGWUDLQHGIRU
ZHLJKWOLIWLQJFRPSHWLWLRQ
<HVWKDW
VULJKW7KHJUHDWHVWERG\EXLOGHURIKLVJHQHUDWLRQIROORZHGD
ZHLJKWOLIWLQJZRUNRXW127DERG\EXLOGLQJSURJUDP

DOORXWH[HUFLVHV 
DPHULFDQVWUHQJWKDQGKHDOWKOHDJXH 
DSROORQZKHHOV 
DUWKXUVD[RQ 
DXWRJUDSKUHTXHVWV 
DYRLGLQJDFFLGHQWV 
EDFNVSHFLDOL]DWLRQ 
EDFNWRWKHEDVLFV 
EDFNWUDLQLQJ 

)RUPRUHDERXW-RKQ*ULPHN
VOLIHDQGWUDLQLQJJUDEWKLVGHWDLOHGFRXUVH

EDUEHOOWUDLQLQJ 
EDUUHOOLIWLQJ 

+DUGFRS\
KWWSZZZEURRNVNXELNFRPMRKQJULPHNBFRXUVHKWPO

EDVLFH[HUFLVHV 
%DVLF7UDLQLQJ 
EHJLQQHUV 
EHQFKSUHVVLQJ 

.LQGOHHERRN

EHUQDUUPDFIDGGHQ 
ELOOKLQEHUQ 
ELOONRFLDED 

KWWSZZZEURRNVNXELNFRPJULPHNWUDLQLQJBNLQGOHKWPO

ELOO\YDQ 
ELUWKGD\RUGHUV 

7KDQNVIRUUHDGLQJDQGKDYHDJUHDWGD\

EODFNLURQWKHMRKQGDYLVVWRU\ 
EREKRIIPDQ 

<RXUVLQVWUHQJWK

ERESHRSOHV 

%URRNV.XELN

ERG\ZHLJKWH[HUFLVHV 

ERG\EXLOGLQJ 
ERG\ZHLJKWWUDLQLQJ 
ERQHEURWK 
ERQHVWUHQJWK 

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOMRKQJULPHNFRXUVH





'LQRVDXU7UDLQLQJMRKQJULPHNFRXUVH

ERVFR 
3RVWHGE\%URRNV.XELNDW$0
/DEHOVMRKQJULPHNMRKQJULPHNFRXUVHROGVFKRROVWURQJPHQROGVFKRROWUDLQLQJ
SURJUDPV2O\PSLFZHLJKWOLIWLQJ\RUNWUDLQLQJPHWKRGV

-RKQ*ULPHN
V1R([HUFLVH
+DLOWRWKH'LQRVDXUV
2QHTXLFNQRWHDQGWKHQZH
OOWDONWUDLQLQJ

EUDGOH\MVWHLQHU 
EUHDNLQJDSODWHDX 
EUHDWKLQJVTXDWV 
%URRNV.XELN 
%UXQR6DPPDUWLQR 
EXLOGLQJPXVFOHPDVV 
EXLOGLQJVWUHQJWKDQGPXVFOH 
FDEOHWUDLQLQJ 

$1HZ.LQGOH(ERRNIRU'LQRV
:HMXVWUHOHDVHGLVVXHQRRIWKH'LQRVDXU
)LOHV4XDUWHUO\RQ.LQGOH7KLVLVWKH0DUFK
LVVXHVRZHDOUHDG\UHOHDVHGWKHKDUGFRS\
YHUVLRQDQGQRZZH
UHUHOHDVLQJWKHOLWWOH
PRQVWHURQ.LQGOH
KWWSZZZEURRNVNXELNFRPGLQRVDXUTXDUWHUO\BBNLQGOHKWPO
,DSRORJL]HIRUWKHGHOD\LQJHWWLQJWKLVXSRQ
.LQGOHEXWLW
VWKHUHQRZVRLI\RX
UHD
.LQGOHIDQJRIRULW
$QGQRZOHW
VWDONWUDLQLQJ
-RKQ*ULPHN
V1R([HUFLVH
)RUVRPHUHDVRQWKHPRVWFRPPRQTXHVWLRQ
RQ,QWHUQHWVWUHQJWKWUDLQLQJIRUXPVLVWKLV
,I\RXFRXOGGRMXVW21(H[HUFLVHZKDWZRXOG
LWEHDQGZK\"
7KHPRVWFRPPRQDQVZHUVDUH
6TXDWVEHFDXVHWKH\
UHWKHEHVWH[HUFLVH
IRUDOODURXQGVWUHQJWKDQGPXVFOHPDVV
'HDGOLIWVEHFDXVHWKH\
UHHYHQEHWWHUWKDQ
VTXDWVDQG\RXFDQGRWKHPHYHQLI\RXGRQ
W
KDYHVTXDWVWDQGVRUDSRZHUUDFN
7UDS%DUGHDGOLIWVEHFDXVHWKH\
UHDFURVV
EHWZHHQDGHDGOLIWDQGDVTXDW
7KHSHFGHFNEHFDXVHVRUU\MXVWNLGGLQJ
QRRQHDFWXDOO\VD\VWKLV
D7KDQNJRRGQHVV

FDUGLRWUDLQLQJIRUOLIWHUV 
FDUOODQRUH 
FHOODUGZHOOHUVDQGJDUDJHJRULOODV

FKDONDQGVZHDW 
FKDPSLRQVKLSOLIWLQJ 
FKDPSLRQVKLSWKLQNLQJ 
FKDUDFWHU 
FKDUOHVSROLTXLQ 
&KULVWPDVRUGHUV 
&KULVWPDVVWRU\ 
FODUHQFHEDVV 
FOHYLRPDVVLPR 
FROGZHDWKHUWUDLQLQJWLSV 
FRPEDWWUDLQLQJ 
FRPPRQVHQVHWUDLQLQJ 
FRPSRXQGH[HUFLVHV 
FRQFHQWUDWLRQ 
FRQGLWLRQLQJZRUNRXWV 
FRQILGHQFH 
FRQVLVWHQF\ 
FRUHWUDLQLQJ 
FRXUDJH 
FXUOV 
G 
GDYHGUDSHU
VWRSVTXDW 
GDYHSURZVH 
GHDGOLIWV 
GHHSEUHDWKLQJ 
GHOOLQJHUILOHV 
GLHWDQGQXWULWLRQWLSV 
GLIIHUHQWZD\VWRXVHDEDUEHOO 
GLQJVDQGGHQWV 
GLQRFDUGLR 

E$OWKRXJKVRPHSHRSOHSUREDEO\WKLQNLW

GLQRILOHV 

7KHFOHDQDQGSUHVVEHFDXVHLWZRUNVDOO
RIWKHPXVFOHV

GLQRQXWULWLRQ 

7KRVHDUHDOOJRRGDQVZHUV RWKHUWKDQQR 
%XWZKDWZRXOG-RKQ*ULPHNKDYHVDLG"
:HDFWXDOO\.12:ZKDWKHZRXOGKDYHVDLG
EHFDXVHKHRQFHZURWHDQDUWLFOHDERXWLW
*ULPHNZDVKDQGVGRZQDIDQRIWKHFOHDQDQG
SUHVV

GLQRQHZV 
GLQRXSGDWHV 
GLQRVKHOSGLQRV 
GLQRVDXUDUPWUDLQLQJ 
GLQRVDXUERG\ZHLJKWWUDLQLQJ 
GLQRVDXUEUHDNIDVWV 
GLQRVDXUFKDOOHQJH 
GLQRVDXUGLHW 
GLQRVDXUGXPEEHOOWUDLQLQJ 
GLQRVDXUGYG
V 
GLQRVDXUHERRNV 

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOMRKQJULPHNFRXUVH





'LQRVDXU7UDLQLQJMRKQJULPHNFRXUVH

,Q*ULPHN
VRSLQLRQLI\RXFRXOGRQO\GRRQH
H[HUFLVH\RXVKRXOGGRWKHFOHDQDQGSUHVV
+HEHOLHYHGWKHFOHDQDQGSUHVVZRXOGJLYH
\RXDJUHDWWRWDOERG\ZRUNRXW

GLQRVDXUH[HUFLVHV 
GLQRVDXUIHHGEDFN 
'LQRVDXU)LOHV 
GLQRVDXUILOHVQHZVOHWWHU 
GLQRVDXUILOHVTXDUWHUO\ 

*ULPHNIROORZHGKLVXVXDOSDWWHUQRIVXJJHVWLQJ
WKDW\RXVWDUWOLJKWDGGZHLJKWIURPVHWWRVHW
DQGGURSWKHUHSVDV\RXDGGHGZHLJKW

GLQRVDXUJDUGHQLQJ 

7KXV\RXPLJKWGRVRPHWKLQJOLNHWKLV

GLQRVDXUPLQGSRZHU 

[ OLJKWZDUPXS

GLQRVDXUQHZV 

[

GLQRVDXUJ\PV 
GLQRVDXUPHDOV 
GLQRVDXUPXVFOHVKLUWV 
GLQRVDXUQXWULWLRQ 
GLQRVDXUSRGFDVWV 

[

GLQRVDXUSURGXFWV 

[

GLQRVDXUVHPLQDUV 

[

GLQRVDXUUHFLSHV 
GLQRVDXUVWUHQJWKWUDLQLQJDUFKLYH 
GLQRVDXUWVKLUWV 

[

'LQRVDXU7UDLQLQJ 

[

GLQRVDXUWUDLQLQJHERRN 

[

GLQRVDXUWUDLQLQJGYG
V 
GLQRVDXUWUDLQLQJHERRNV 
GLQRVDXUWUDLQLQJKRRGLHV 

[

GLQRVDXUWUDLQLQJSURGXFWV 

[

GLQRVDXUWUDLQLQJVHFUHWV 

[ LI\RX
UHIHHOLQJVWURQJWKDWGD\
,I\RXZDQWWRIRFXVPRUHRQVWUHQJWKDQG
SRZHUGRORZHUUHSVVRPHWKLQJOLNH
RU[RU[RUVLQJOHV
$Q\KRZWKDWZDV-RKQ*ULPHN
VDQVZHU
DQG,WHQGWRDJUHHZLWKKLP
:KDWGR<28WKLQN"6KRRWPHDQHPDLODQG
OHWPHNQRZ
<RXUVLQVWUHQJWK

GLQRVDXUWUDLQLQJSURJUDPV 
GLQRVDXUWUDLQLQJVHPLQDUV 
GLQRVDXUWUDLQLQJXSGDWHV 
GLQRVDXUXSGDWHV 
GLQRVDXUZRUNRXWV 
GLQRVDXWWVKLUWV 
GLYLGHGZRUNRXWV 
GRXJKHSEXUQ 
GUNHQ 
GUNHQOHLVWQHU 
GUXJIUHHWUDLQLQJ 
GXPEEHOOH[HUFLVHV 
GXPEEHOOSUHVVHV 

%URRNV.XELN

GXPEEHOOWUDLQLQJ 

36,FRYHUWKHPLOLWDU\SUHVVLQ7KH'LQRVDXU
7UDLQLQJ0LOLWDU\3UHVVDQG6KRXOGHU3RZHU
&RXUVH

HGMXELQYLOOH 

+DUGFRS\

HULFILRULOOR 

KWWSZZZEURRNVNXELNFRPPLOLWDU\SUHVVBFRXUVHKWPO

IDUPHU
VZDON 

.LQGOHHERRN

GXPEEHOOZRUNRXWV 
HQMR\\RXUWUDLQLQJ 
HQWKXVLDVP 
H\HKHDOWK 
)DWKHU/DQJH 
)DWKHU
V'D\ 

KWWSZZZEURRNVNXELNFRPPLOLWDU\SUHVVBNLQGOHKWPO

IDYRULWHH[HUFLVHV 

36<RX
OODOVRHQMR\7KH7UDLQLQJ6HFUHWVRI
-RKQ*ULPHN

IHHGEDFNIURPGLQRVDXUV 

+DUGFRS\
KWWSZZZEURRNVNXELNFRPMRKQJULPHNBFRXUVHKWPO

IHDWVRIVWUHQJWK 
ILQLVKHUV 
IOH[LELOLW\ 
IRFXV 
IRRGVXSSOHPHQWV 
IRUHDUPH[HUFLVHV 

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOMRKQJULPHNFRXUVH





'LQRVDXU7UDLQLQJMRKQJULPHNFRXUVH

.LQGOHHERRN
KWWSZZZEURRNVNXELNFRPJULPHNWUDLQLQJBNLQGOHKWPO
367KRXJKWIRUWKH'D\/RDGWKHEDUOLIWWKHEDUDQG
UHSHDW,W
VQRWURFNHWVFLHQFH%URRNV.XELN

3RVWHGE\%URRNV.XELNDW30
/DEHOVEXLOGLQJVWUHQJWKDQGPXVFOHFHOODUGZHOOHUVDQGJDUDJHJRULOODVGLQRVDXU
H[HUFLVHVMRKQJULPHNMRKQJULPHNFRXUVHPLOLWDU\SUHVVFRXUVHPLOLWDU\SUHVVLQJ

IUDQNOHLJKW 
IUDQNVSHOOPDQ 
IUHHUDQJHHJJV 
IUHVKYHJHWDEOHV 
JDLQLQJZHLJKW 
JDUGHQLQJ 
JHRUJHHLIHUPDQ 
JHRUJHIMRZHWW 
JHRUJHKDFNHQVKPLGW 
JHWWLQJVWDUWHG 

7KH'D\-RKQ*ULPHN4XLWWKH,URQ*DPH

JRDOVHWWLQJ 

+DLOWRWKH'LQRVDXUV

JUDFLHEDUG 

7ZRTXLFNQRWHVDQGWKHQZH
OOWDONWUDLQLQJ
'LQRVDXU7UDLQLQJ6HFUHWV9RO
:HODXQFKHGFRXUVHQRLQWKH'LQRVDXU
7UDLQLQJ6HFUHWVVHULHVLQ\RXUFKRLFH
RI.LQGOHHERRNRUKDUGFRS\FRXUVH
+DUGFRS\
KWWSZZZEURRNVNXELNFRPGLQRVDXUBVHFUHWVBKWPO
.LQGOHHERRN
KWWSZZZEURRNVNXELNFRPGLQRVDXUBVHFUHWVBNLQGOHKWPO

JRLQJVWURQJDW 
JUDVVIHGPHDW 
JUD\KDLUDQGEODFNLURQ 
JULSH[HUFLVHV 
JULSH[HUFLVHVGLQRVDXUH[HUFLVHV 
JULSWUDLQLQJ 
JURXQGEDVHGWUDLQLQJ 
JXWZRUN 
KDQGEDODQFLQJ 
KDQGVWDQGSXVKXSV 
KDUGZRUN 
KDUGJDLQHUV 
KDUU\JRRG 
KDUU\SDVFKDOO 
KDUU\SDVFKDOOPHPRULDOIXQG 

:H
UHJHWWLQJJUHDWIHHGEDFNRQWKHFRXUVH
,
OOEHVKDULQJVRPHRILWZLWK\RX,QWKH
PHDQWLPHIHHOIUHHWRGRDUHYLHZRQRXU
.LQGOHSDJHWKHUHYLHZVKHOSXV
HQRUPRXVO\

KHDOWK\HDWLQJ 

$QGSOHDVHQRWHWKHQHZFRXUVHLV*5($7IRU
ROGHU'LQRVDQGIRUDGYDQFHG'LQRVZKR
YHEHHQ
KLWWLQJWKHLURQIRUDORQJWLPHEHFDXVHWKH\
OO
KHOS\RXWUDLQIRUORQJDQGSURGXFWLYHF\FOHV
ZLWKRXWEXUQLQJRXWRUJRLQJVWDOHRUKLWWLQJ
DGHDGHQG7UDLQLQJLVIXQZKHQ\RX
UHPDNLQJ
VWHDG\JDLQVLQVWUHQJWKPXVFOHDQGSRZHU

KHDY\SDUWLDOV 

7KH'LQRVDXU)LOHV4XDUWHUO\
:HDOVRUHOHDVHGWKH'HFHPEHULVVXH
RI7KH'LQRVDXU)LOHV4XDUWHUO\DVD.LQGOH
HERRN
KWWSZZZEURRNVNXELNFRPGLQRVDXUTXDUWHUO\BBNLQGOHKWPO
:H
UHJRLQJWRJHWWKH0DUFKLVVXHRI
WKH4XDUWHUO\XSRQ.LQGOHYHU\VRRQDQG
WKHQUHOHDVHDOOQHZLVVXHVLQ\RXUFKRLFHRI
KDUGFRS\RU.LQGOHHERRN:HQHHGWRGR
WKDWEHFDXVHVRPHRI\RXSUHIHUKDUGFRS\
DQGVRPHRI\RXSUHIHU.LQGOHHERRNV
$JDLQIHHOIUHHWRSRVWDUHYLHZRQRXU
.LQGOHSDJH
$QGDV,PHQWLRQHG\HVWHUGD\,
PORRNLQJ
IRUIHHGEDFNIURPUHDGHUVDQGWUDLQLQJ
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOMRKQJULPHNFRXUVH

KHDOWK\MRLQWV 
KHDOWK\NLGV 
KHDY\DZNZDUGREMHFWV 
KHDY\LURQ 
KHDY\VLQJOHV 
KHOSLQJRWKHUV 
KHQU\ZKLWWHQEHUJ 
KHQU\ZLWWHQEHUJ 
KHUPDQJRHUQHU 
KLJKLQWHQVLW\WUDLQLQJ 
KLNLQJ 
KROLGD\JUHHWLQJV 
KRPHJ\PHTXLSPHQW 
KRPHJ\PWUDLQLQJ 
KRQHVWZHLJKWV 
+RUDWLXV 
KRWZHDWKHUWUDLQLQJWLSV 
KRZWRXVHDEDUEHOO 
KXQWLQJ 
KXUULFDQHVDQG\ 
LQGLDQFOXEV 
LQMXULHV 
LQWHUPHGLDWHV 
LQWURYHUWVDQGH[WURYHUWV 
LURQJDPHKLVWRU\ 
LURQOHDJXH 
,URQ0DQ 




'LQRVDXU7UDLQLQJMRKQJULPHNFRXUVH

TXHVWLRQVIURPUHDGHUVVRVHQGWKHP
RQLQ7KH'LQRVDXU)LOHV4XDUWHUO\LV<285
PDJD]LQHVROHWPHKHDUIURP\RX

LUUHJXODUWUDLQLQJ 

7KH'D\-RKQ*ULPHN4XLWWKH,URQ
*DPH

MDFNODODQQH 

1RZ,NQRZZKDW\RX
UHWKLQNLQJ

LVRPHWULFV 
LVRPHWURQLFV 
MLPSDUN 
MLPVFKPLW] 
MRHKLVH 

-RKQ*ULPHNQHYHUTXLWWKH,URQ*DPH
+HVWDUWHGWUDLQLQJZKHQKHZDVDWHHQDJHU
DQGKHNHSWJRLQJIRUKLVHQWLUHOLIHULJKW
XSXQWLOWKHYHU\HQG+HZDVGRLQJKHDY\
VTXDWVDQGGXPEEHOOSUHVVHVLQKLV
V

MRHNLQQH\ 

:HOOWKDW
VWUXHEXWLW
VDOVRWUXHWKDW
*ULPHNTXLWWKH,URQ*DPH:HNQRZ
EHFDXVHKHZURWHDERXWLW

MRKQZRRG 

+HUH
VZKDWKDSSHQHG
:KHQ*ULPHNZDVD\RXQJWUDLQHHKHZDV
GRLQJZKDWDOO\RXQJWUDLQHHVGRDQGWU\LQJ
WREXLOGELJJHUDUPV
6RKHZHQWRQDQDUPVSHFLDOL]DWLRQSURJUDP
ZLWKZD\PRUHH[HUFLVHVVHWVDQGUHSVWKDQ
HYHUEHIRUH

MRKQGDYLV 
MRKQJULPHN 
MRKQJULPHNFRXUVH 
MRKQJUXQPDU[ 
MXOHVEDFRQ 
NGLQRVDXUGLQRVDXUWUDLQLQJ 
NHQWXFN\GHUE\ 
NHWWOHEHOOV 
NHYLQWROEHUW 
NLPZRRG 
NQLIHIRUNPXVFOH 
NRFLDEDILWQHVV 
ODJJLQJERG\SDUWV 
OD\RIIV 
OHJDQGEDFNWUDLQLQJ 

$IWHUDFRXSOHRIZHHNVKHZDVGRJWLUHG
ZRUQRXWH[KDXVWHGDQGWKHEDJVXQGHU
KLVH\HVZHUHWKHELJJHVWWKLQJDERXWKLP

OHJVSHFLDOL]DWLRQ 

$QGKLVDUPVKDGQ
WJDLQHGDIUDFWLRQRIDQ
LQFK,QIDFWWKH\ZHUHVPDOOHUWKDQEHIRUH
+H
GDFWXDOO\ORVWVL]H

OHYHUEDUV 

6RKHJRWPDGDQGTXLW
3XWWKHZHLJKWVEDFNLQWKHLUER[ORFNHGLW
XSWKUHZWKHNH\LQWKHFRUQHUDQGYRZHG
QHYHUWRGRDQ\WKLQJDVIRROLVKHYHUDJDLQ
$IWHUDZHHNRUWZRRIQRWUDLQLQJVRPHWKLQJ
KDSSHQHG
+LVDUPVVWDUWHGJURZLQJDJDLQ

/HJDF\RI,URQ 
OHJDF\RILURQVHULHV 
OLIHORQJVWUHQJWKDQGKHDOWK 
OLIWLQJEHOWV 
OLIWLQJVKRHV 
OLJKWGD\V 
ORFDOIRRG 
ORJEDUV 
ORQJEHDFK 
ORZUHSWUDLQLQJ 
OXJJLQJDQGORDGLQJGULOOV 
PDOZKLWILHOG 
PDUNEHUU\ 
PDVWHUWKHZHLJKW 

2QFHKHVWRSSHGRYHUWUDLQLQJKLVERG\VWDUWHG
WRERXQFHEDFNDQGUHEXLOG

PDVWHUVZHLJKWOLIWLQJ 

6RKHGXJRXWWKHNH\WRWKHZHLJKWER[XQORFNHG
WKHORFNSXOOHGRXWWKHLURQDQGVWDUWHGWUDLQLQJ
DJDLQ

PHDVXUHPHQWV 

%XW7+,6WLPHKHGLGLWWKHULJKWZD\
1RWWRRPXFK(QRXJKWRFRD[JDLQVEXWQRW
VRPXFKWKDWKHSUHYHQWHGWKHP

PD[LFN 
PHDVXULQJ\RXUVWUHQJWK 
PHQWDODVSHFWV 
PLGVHFWLRQWUDLQLQJ 
PLNHULQDOGL 
PLOLWDU\SUHVVFRXUVH 
PLOLWDU\SUHVVLQJ 
PLOLWDU\WUDLQLQJ 

,WZRUNHGSUHWW\GDUQZHOODQGWKHUHVWDVWKH\
VD\LVKLVWRU\

PLOREDUEHOOFRXUVHV 

6RLIDQ\RQHWULHVWRWHOO\RXWKDW7KHUH
VQRVXFK
WKLQJDVRYHUWUDLQLQJRU2YHUWUDLQLQJLVDOOLQWKH
PLQGRU<RXMXVWKDYHWRJLYH\RXUERG\WLPHWR
DGDSWWKLQNDERXW-RKQ*ULPHNDQGWKHGD\KH

PLQGPXVFOHOLQN 

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOMRKQJULPHNFRXUVH

PLORVWHLQERUQ 
PLQHUDOV 
PRELOLW\ 




'LQRVDXU7UDLQLQJMRKQJULPHNFRXUVH

TXLWWKH,URQ*DPH
,I*ULPHNFRXOGRYHUWUDLQ$1<21(FDQRYHUWUDLQ
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHDJUHDW
GD\,I\RXWUDLQWRGD\PDNHLWDJRRGRQH

PRELOLW\WUDLQLQJ 
PRWLYDWLRQ 
PRWLYDWLRQDQGPXVFOHSRGFDVW 
P\QHZERRN 
P\QHZGLHWDQGQXWULWLRQERRN 
P\<RXWXEHFKDQQHO 

<RXUVLQVWUHQJWK
%URRNV.XELN
36)RUPRUHDERXW-RKQ*ULPHNDQGKRZKH
WUDLQHGJUDEP\-RKQ*ULPHNWUDLQLQJFRXUVH
.LQGOHHERRN
KWWSZZZEURRNVNXELNFRPJULPHNWUDLQLQJBNLQGOHKWPO

QDWXUDOIRRGV 
QDXWLOXVPDFKLQHV 
QDXWLOXVWUDLQLQJ 
QHFNWUDLQLQJ 
QHZERRN 
QHZGLQRVDXUWUDLQLQJFRXUVH 
QHZGLQRVDXUWUDLQLQJFRXUVHGLQRVDXU
WUDLQLQJVHFUHWV 
QHZH[HUFLVHV 

+DUGFRS\

QRUEVFKHPDQVN\ 

KWWSZZZEURRNVNXELNFRPMRKQJULPHNBFRXUVHKWPO

ROGLURQ 

36'LQRVDXU$UP7UDLQLQJZLOOKHOS\RXEXLOGELJ
VWURQJDQGSRZHUIXODUPVZLWKRXWRYHUWUDLQLQJ
KWWSZZZEURRNVNXELNFRPGLQRVDXUBDUPWUDLQLQJKWPO
360\RWKHUERRNVDQGFRXUVHVDQGOLQNV
WRP\RWKHU'LQRVDXU7UDLQLQJERRNVRQ.LQGOH
DUHULJKWKHUH
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
367KRXJKWIRUWKH'D\$Q\RQHFDQRYHUWUDLQ
EXW\RXGRQ
WKDYHWRNHHSRQGRLQJLWIRUHYHU
%URRNV.XELN

3RVWHGE\%URRNV.XELNDW$0
/DEHOVGLQRVDXUDUPWUDLQLQJGLQRVDXUILOHVTXDUWHUO\GLQRVDXUWUDLQLQJHERRNV
GLQRVDXUWUDLQLQJVHFUHWVMRKQJULPHNMRKQJULPHNFRXUVH

7KH&RPSOHWH/LVW 6R)DU
+DLOWRWKH'LQRVDXUV

QRWKLQJEXWVTXDWV 
ROGVFKRROJ\PV 
ROGVFKRROVWURQJPHQ 
ROGVFKRROWUDLQLQJSURJUDPV 
ROGWLPHVWURQJPHQ 
ROGVFKRROH[HUFLVHV 
ROGVFKRROVWURQJPHQ 
ROGVFKRROWUDLQLQJ 
ROGWLPHVWURQJPHQ 
RO\PSLFJDPHV 
2O\PSLFOLIWLQJ 
2O\PSLFZHLJKWOLIWLQJ 
RQHH[HUFLVHZRUNRXWV 
RUJDQLFIRRG 
RUJDQLFKHDOWK 
RXWGRRUWUDLQLQJ 
SDXODQGHUVRQ 
SDXOEUDJJ 
SDXVHUHSV 
3HDU\5DGHU 
SHRSOH,DGPLUH 
SHUFHQWDJHV 

:HKDYHILYHQHZ'LQRVDXU7UDLQLQJ
HERRNVLQWKH$PD]RQ.LQGOHVWRUH
DQGUHDGHUVNHHSDVNLQJPHIRUD
FRPSOHWHOLVWZLWKDOOWKHOLQNV

SHUIHFWIRUP 

6RKHUHLWLV

SK\VLFDOFXOWXUHUDGLR 

'LQRVDXU7UDLQLQJ6HFUHWV9RO
([HUFLVHV:RUNRXWVDQG7UDLQLQJ
3URJUDPV

SRXQGDJHJRDOV 

KWWSEURRNVNXELNFRPGLQRVDXUVHFUHWVBNLQGOHKWPO

SRZHUUDFNWUDLQLQJ 

'LQRVDXU7UDLQLQJ6HFUHWV9RO
+RZ6WURQJ$UH<RX"

SUHYHQWLQJLQMXULHV 

KWWSZZZEURRNVNXELNFRPGLQRVDXUBVHFUHWVBNLQGOHKWPO
7KH7UDLQLQJ6HFUHWVRI-RKQ*ULPHN

SHUVLVWHQFH 
SHWHJHRUJH 
3+$WUDLQLQJ 
SRVWXUH 
SRXQGDJHSURJUHVVLRQ 
SRZHUIRRGV 
SUHFLVLRQ 
SURJHVVLRQ 
SURJUHVVLRQ 
SURWHLQ 
SURWHLQGULQNV 
SURWHLQSRZGHU 

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOMRKQJULPHNFRXUVH





'LQRVDXU7UDLQLQJMRKQJULPHNFRXUVH

KWWSZZZEURRNVNXELNFRPJULPHNWUDLQLQJBNLQGOHKWPO
7KH'LQRVDXU0LOLWDU\3UHVVDQG6KRXOGHU
3RZHU&RXUVH
KWWSZZZEURRNVNXELNFRPPLOLWDU\SUHVVBNLQGOHKWPO

SXVKSUHVVHV 
TXDOLW\WUDLQLQJ 
TXHVWLRQVDQGDQVZHUV 
TXHVWLRQVIRUGLQRV 
TXL]WLPH 
UHDOIRRG 

7KH'RXJ+HSEXUQ6WUHQJWKDQG0XVFOH%XLOGLQJ
6\VWHP

UHDOZRUOGWUDLQLQJ 

KWWSZZZEURRNVNXELNFRPKHSEXUQBNLQGOHKWPO

UHFRYHU\ 

:H
OOEHDGGLQJPRUHVRRQDQG,
OOXSGDWHWKHOLVW
ZKHQZHGR

UHVWEHWZHHQVHWV 

<RXUVLQVWUHQJWK
%URRNV.XELN

UHFRUGLQJ\RXUZRUNRXWV 
UHJSDUN 
UHVWEHWZHHQZRUNRXWV 
UHVWSDXVHWUDLQLQJ 
URZLQJ 
V 
VDIHW\WLSV 

3RVWHGE\%URRNV.XELNDW30
/DEHOVGLQRVDXUH[HUFLVHVGLQRVDXUWUDLQLQJHERRNVGLQRVDXUZRUNRXWVGRXJKHSEXUQ
MRKQJULPHNMRKQJULPHNFRXUVHPHDVXULQJ\RXUVWUHQJWKPLOLWDU\SUHVVFRXUVH
SRXQGDJHJRDOV

6DQGEDJ7UDLQLQJ 
VDUDKUREOHV 
VHFUHWZHDSRQ 
VHOIGHIHQVHWUDLQLQJ 

7KH%LJ:HHNIRU'LQRV

VHWVDQGUHSV 

+DLOWRWKH'LQRVDXUV

VKRXOGHUWUDLQLQJ 

:HGHFLGHGWRWU\WRVSRLOWKH'LQR
1DWLRQWKLVZHHN
:H
UHGRLQJLWE\UHOHDVLQJWKUHH
HERRNV
:H
UHJRLQJWRWU\WRUOHDVHWKHP
DOOWKLVZHHNEXWLIQRWLWZLOO
VRPHWLPHRYHUWKHQH[WGD\V
RUVR

VKRXOGHUKHDOWK 
VLJNOHLQ 
VLPSOHF\FOLQJV\VWHPV 
VLQJOHUHSWUDLQLQJ 
VPDUWWUDLQLQJ 
VRUHQHVV 
VSHFLDOERQXVHV 
VSHHGWUDLQLQJ 
VSHHGZULWLQJFKDOOHQJHV 
VSOLWVW\OHOLIWV 
VTXDWV 

:HUHOHDVHGWKHILUVWRIWKHOLWWOH
PRQVWHUVRQ6XQGD\,W
VDUHYLVHG
YHUVLRQRIP\'RXJ+HSEXUQWUDLQLQJ
FRXUVHDQG\RXFDQILQGLWULJKWKHUH

VWDQGRQ\RXUIHHWVWUHQJWK 

KWWSZZZEURRNVNXELNFRPKHSEXUQBNLQGOHKWPO

VWLFNLQJSRLQWV 

7KHFRYHUORRNVSUHWW\JRRGVRHYHQ
LI\RXDOUHDG\KDYHWKHKDUGFRS\
YHUVLRQRIWKHFRXUVHKHDGRQRYHU
DQGWDNHDORRNDWWKH.LQGOHSDJH

VWD\LQJDFWLYH 
VWHYHUHHYHV 
VWHYHVWDQNR 
VWRQHOLIWLQJ 
VWUHQJWK 
VWUHQJWKDQGEXONWUDLQLQJ 
6WUHQJWKDQG+HDOWK 
VWUHQJWKDUFKLYH 

7KHVHFRQGQHZHERRNVKRXOGEH
UHDG\LQWKHQH[WWRKRXUV

VWUHQJWKPXVFOHDQGSRZHU 

,
OOVHQGDQHPDLOZKHQLWJRHVOLYH
DQGLVDYDLODEOHDWWKH$PD]RQ.LQGOH
VLWH%HORRNLQJIRULW

VWUHQJWKWUDLQLQJIRUNLGV 

1XPEHUWKUHHJRHVXSDIWHUWKDW
6RLW
VDELJZHHNIRUWKH'LQRV
DQGWKDW
VJUHDWEHFDXVHVSRLOLQJ
WKH'LQR1DWLRQLVRXUMRE
<RXUVLQVWUHQJWK

VWUHQJWKWUDLQLQJIRUDWKOHWHV 
VWUHQJWKWUDLQLQJIRUPDUWLDODUWV 
VWUHQJWKWUDLQLQJIRUWHHQDJHUV 
VWUHQJWKWUDLQLQJIRUZUHVWOHUV 
VWUHWFKLQJ 
VXFFHVVKDELW 
VXFFHVVVWRULHV 
VXSHUKXPDQUDGLR 
VXSHUKXPDQUDGLR 
VXSSOHPHQWV 
VZHDWVKLUWV 

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOMRKQJULPHNFRXUVH





'LQRVDXU7UDLQLQJMRKQJULPHNFRXUVH

%URRNV.XELN
36,I\RXSUHIHUDKDUGFRS\YHUVLRQRI
WKH'RXJ+HSEXUQFRXUVHRUDQ\RIP\
RWKHUERRNVRUFRXUVHVJRKHUHWRJUDE
WKHP
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
)RURXUHERRNVJRKHUH
D'LQRVDXU7UDLQLQJ6HFUHWV9RO
([HUFLVHV:RUNRXWVDQG7UDLQLQJ
3URJUDPV
KWWSEURRNVNXELNFRPGLQRVDXUVHFUHWVBNLQGOHKWPO
E'LQRVDXU7UDLQLQJ6HFUHWV9RO
+RZ6WURQJ$UH<RX"

WHQGRQDQGOLJDPHQWVWUHQJWK 
WKHEHVWH[HUFLVHV 
WKHGLQRVDXUGXQJHRQ 
WKHIDUPHU
VPDUNHW 
WKHJRRGEURWKHUV 
WKHKLVHVKUXJ 
WKHKLVHVTXDW 
WKHLURQOHDJXH 
WKHLURQZLOOWRVXFFHHG 
WKHPDVNHGPDQ
VFKULVWPDV 
WKHQLJKWEHIRUHFKULVWPDV GLQR
YHUVLRQ  
WKHVWHHOWLS 
WKHVWURQJPDQ
VFKULVWPDV 
7KH8QOLIWDEOH'XPEEHOO 
WKLFNEDUV 
WKRPDVLQFK 

KWWSZZZEURRNVNXELNFRPGLQRVDXUBVHFUHWVBNLQGOHKWPO
F7KH7UDLQLQJ6HFUHWVRI-RKQ*ULPHN
KWWSZZZEURRNVNXELNFRPJULPHNWUDLQLQJBNLQGOHKWPO

WRPP\NRQR 
WRPP\NRQRNQHHEDQGV 
WRQ\WHUOD]]R 
WRSOLVWV 
WRWDOERG\ZRUNRXWV 

G7KH'LQRVDXU0LOLWDU\3UHVVDQG6KRXOGHU
3RZHU&RXUVH

WUDLQLQJF\FOHV 

KWWSZZZEURRNVNXELNFRPPLOLWDU\SUHVVBNLQGOHKWPO

WUDLQLQJIRUVSRUWV 

367KRXJKWIRUWKH'D\6TXDWVEXLOGWKHERG\
DQGERRNVEXLOGWKHEUDLQ%URRNV.XELN

WUDLQLQJIUHTXHQF\ 

WUDLQLQJIRUROGHUOLIWHUV 
WUDLQLQJIRUZRPHQ 
WUDLQLQJMRXUQDOV 
WUDLQLQJSURJUDPVIRUPDUWLDODUWLVWV 

3RVWHGE\%URRNV.XELNDW30
/DEHOVGLQRVDXUWUDLQLQJHERRNVGRXJKHSEXUQLURQJDPHKLVWRU\MRKQJULPHNFRXUVH
PLOLWDU\SUHVVFRXUVHROGWLPHVWURQJPHQSRXQGDJHJRDOV

WUDLQLQJSURJUDPVIRUZRPHQ 

7KH%LJ'LQRVDXU7UDLQLQJ3URMHFWIRU

WUDSEDUWUDLQLQJ 

+DLOWRWKH'LQRVDXUV

WULDODQGHUURU 

,
PGRLQJDQHZVHULHVRIFRXUVHVWKLV
\HDUDQG,ZDQWHGWRXSGDWH\RXRQ
WKHSURMHFW
7KHVHULHVLVFDOOHG'LQRVDXU7UDLQLQJ
6HFUHWV(DFKFRXUVHFRYHUVDGLIIHUHQW
DVSHFWRI'LQRVW\OHVWUHQJWKWUDLQLQJ
DQGPXVFOHEXLOGLQJ0\JRDOLVWRGR
DWRWDORIRUQHZFRXUVHVDV
SDUWRIWKHVHULHV

WUDLQLQJSURJUDPVIRUZUHVWOHUV 
WUDLQLQJTXHVWLRQV 
WUDSEDUV 
WZLFHSHUZHHNZRUNRXWV 
XOWUDDEEUHYLDWHGWUDLQLQJ 
XQOLIWDEOHGXPEEHOO 
XSGDWHV 
YLQFHJLURQGD 
YLVXDOL]DWLRQ 
YLWDPLQV 
ZDONLQJ 
ZDUPXSVHWV 
ZDUPLQJXS 

6RIDU,
YHGRQHWZRFRXUVHVLQWKHVHULHV
,
PZRUNLQJRQFRXUVHQRDQGVKRXOG
KDYHLWUHDG\LQDQRWKHUPRQWKRUVR,W
V
ORRNLQJJRRGDQGLW
VJRLQJWREHDJUHDW
DGGLWLRQWR\RXUWUDLQLQJOLEUDU\EXWILUVW
,KDYHWRILQLVKLW
7KHILUVWWZRFRXUVHVLQWKHVHULHVDUH
DYDLODEOHLQ\RXUFKRLFHRIKDUGFRS\
RUHERRN:H
OOGRWKHVDPHZLWKWKH
RWKHUFRXUVHVLQWKHVHULHVDVZHUHOHDVH
WKHP

ZHLJKWSURJUHVVLRQ 
ZHLJKWOLIWLQJDQGEORRGSUHVVXUH 
ZKDWPDNHVDGLQRVDXU" 
ZLOOZHLJKWWUDLQLQJNLOO\RX" 
ZLOOLDPERRQH 
ZLOOSRZHU 
ZRUGRIWKHGD\ 
ZRUNDURXQGV 
ZRUNVHWV 
ZRUNRXWJHDU 
ZRUNRXWORJV 

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOMRKQJULPHNFRXUVH





'LQRVDXU7UDLQLQJMRKQJULPHNFRXUVH

<RXFDQILQGWKHILUVWWZRFRXUVHVULJKW
KHUH
'LQRVDXU7UDLQLQJ6HFUHWV9RO
([HUFLVHV:RUNRXWVDQG7UDLQLQJ
3URJUDPV

:RUNRXW5HSRUW 
ZUHVWOLQJ 
ZULVWH[HUFLVHV 
\RUNEDUEHOOFOXE 
\RUNEDUEHOOFRPSDQ\ 
\RUNWUDLQLQJFRXUVHV 

D.LQGOHHERRN
KWWSEURRNVNXELNFRPGLQRVDXUVHFUHWVBNLQGOHKWPO
E+DUGFRS\FRXUVH
KWWSZZZEURRNVNXELNFRPGLQRVDXUBVHFUHWVBKWPO
'LQRVDXU7UDLQLQJ6HFUHWV9RO
+RZ6WURQJ$UH<RX"
D.LQGOHHERRN
KWWSZZZEURRNVNXELNFRPGLQRVDXUBVHFUHWVBNLQGOHKWPO

\RUNWUDLQLQJPHWKRGV 
%ORJ$UFKLYH
 
'HFHPEHU 
&RXOG<RX/LIW'DUWK9DGHU
V
'XPEEHOO"
$WWQ'LQRV,W
V7KDW7LPHRI<HDU
$JDLQ
*UHDW)HHGEDFNRQWKH'HFHPEHU
'LQRVDXU)LOHV
2OG6FKRRO7UDLQLQJZLWK5HJ3DUN

E+DUGFRS\

*UDE6RPH0DVVLYH0RWLYDWLRQIRU
6WUHQJWK0XVFOH

KWWSZZZEURRNVNXELNFRPGLQRVDXUBVHFUHWVBKWPO

5HWUR/LIWLQJDW'LQR+HDGTXDUWHUV

%RWKFRXUVHVKDYHEHHQLQWKH$PD]RQ7RS
DWWKH.LQGOHERRNVWRUHDQGYROLQWKHVHULHV
WKH+RZ6WURQJ$UH<RX"FRXUVH PDGHLWDOO
WKHZD\WRWKHQXPEHURQHSRVLWLRQ

6TXDWVIRU2OGHU'LQRV"

6RWKH\
UHYHU\SRSXODUDQGWKH\
UHKHOSLQJ
XVVSUHDGWKHZRUGDERXWVDQHVHQVLEOHDQG
HIIHFWLYHWUDLQLQJDOODURXQGWKHZRUOG

$WWHQWLRQ'LQRV<RX0D\KDYH
0LVVHG7KLV
*RLQJ6WURQJ7KH'HFHPEHU
'LQRVDXU)LOHV
'LQRVDXU7UDLQLQJ6HFUHWV:LWK
,QVWDQW'HOLYHU\
7KH*RWWD'R,W$OO*X\

*RDKHDGDQGWDNHDORRNDWWKHOLWWOHPRQVWHUV
RQRXU.LQGOHSDJHV(YHQLI\RXSUHIHUWKHKDUG
FRS\YHUVLRQWKH.LQGOHSDJHVKDYHORWVRI
LQWHUHVWLQJLQIRLQFOXGLQJIHHGEDFNUHYLHZV
FXUUHQWUDQNLQJVDQGWKHWDEOHRIFRQWHQWVIRU
HDFKRIWKHFRXUVHV6REHVXUHWRFKHFNWKHP
RXWDQGUHPHPEHUQHZUHYLHZVDQGUDQNLQJV
JRXSDOOWKHWLPHVRNHHSRQJRLQJEDFNDQG
EURZVLQJDURXQG
:KLFKUHPLQGVPHLI\RXRUGHUHGWKH.LQGOH
HERRNSOHDVHSRVWDUHYLHZ7KHUHYLHZV
UHDOO\KHOSXV
5LJKWQRZZHKDYHDWRQRIUHYLHZVIRUFRXUVH
QREXWP\JRDOLVWRJHWXSWR$QG
ZHQHHG/276PRUHUHYLHZVIRUFRXUVHQR
VRLI\RXKDYHWKDWRQHSOHDVHSRVWDUHYLHZ
DVDS

$WWHQWLRQ'LQRV:H1HHG)HHGEDFN
RQWKH'HFHPEH
$<RXQJ'LQR+LWVWKH*ROG0LQH
+RZWR7UDLQIRU/LIHORQJ6WUHQJWKDQG
+HDOWK
:LOO:HLJKW7UDLQLQJ.LOO<RX"
/DVW&DOOIRU'LQRVDXU7UDLQLQJ7
6KLUWV
'LQRVDXU7UDLQLQJ76KLUWV*HW
7KHP1RZ
)XOO&LUFOH$IWHU<HDUVRI,URQ
1RYHPEHU 
2FWREHU 
6HSWHPEHU 
$XJXVW 

$OVRDQGWKLVLVLPSRUWDQWLI\RXKDYHDQ\
TXHVWLRQVDIWHUUHDGLQJHLWKHUFRXUVHVKRRW
PHDQHPDLO

-XO\ 

7KHQHZVHULHVRIFRXUVHVKDVEHHQDELJ
VXFFHVVVRIDU6R,ZDQWWRVD\7+$1.
<28WRHYHU\RQHZKRKDVVXSSRUWHGRXU
ZRUN:HUHDOO\DSSUHFLDWHLW

$SULO 

$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHD
JUHDWGD\,I\RXWUDLQWRGD\PDNHLWD
JRRGRQH
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOMRKQJULPHNFRXUVH

-XQH 
0D\ 
0DUFK 
)HEUXDU\ 
-DQXDU\ 
 




'LQRVDXU7UDLQLQJMRKQJULPHNFRXUVH

 

<RXUVLQVWUHQJWK

 

%URRNV.XELN

 

36:HKDYHWZRRWKHUFRXUVHVWKDWDUHDYDLODEOH
LQ\RXUFKRLFHRIKDUGFRS\RU.LQGOHHERRN(DFK
RIWKHOLWWOHPRQVWHUVKDVPDGHLWLQWRWKH$PD]RQ
7RS

 

D7KH7UDLQLQJ6HFUHWVRI-RKQ*ULPHN
.LQGOHHERRN
KWWSZZZEURRNVNXELNFRPJULPHNWUDLQLQJBNLQGOHKWPO
+DUGFRS\FRXUVH
KWWSZZZEURRNVNXELNFRPMRKQJULPHNBFRXUVHKWPO
E7KH'LQRVDXU0LOLWDU\3UHVVDQG6KRXOGHU
3RZHU&RXUVH
.LQGOHHERRN
KWWSZZZEURRNVNXELNFRPPLOLWDU\SUHVVBNLQGOHKWPO
+DUGFRS\FRXUVH
KWWSZZZEURRNVNXELNFRPPLOLWDU\SUHVVBFRXUVHKWPO
36,I\RXRUGHUDKDUGFRS\FRXUVHDQG
\RX
GOLNHPHWRDXWRJUDSKLWIRU\RXDVNIRU
DQDXWRJUDSKLQWKH6SHFLDO,QVWUXFWLRQVVHFWLRQ
RIWKHRQOLQHRUGHUIRUP7KHUH
VQRFKDUJHIRU
DQDXWRJUDSKLW
VDQKRQRUWREHDVNHGIRU
RQH
367KRXJKWIRUWKH'D\.QRZOHGJHLVSRZHU
EXW\RXJRWWDWUDLQWRR%URRNV.XELN

3RVWHGE\%URRNV.XELNDW$0
/DEHOVDEEUHYLDWHGWUDLQLQJGLQRVDXUH[HUFLVHV'LQRVDXU7UDLQLQJGLQRVDXUWUDLQLQJH
ERRNVMRKQJULPHNFRXUVHPLOLWDU\SUHVVFRXUVHSRXQGDJHJRDOVXOWUDDEEUHYLDWHG
WUDLQLQJ

$YDLODEOH1RZ'LQRVDXU7UDLQLQJ(%RRNV
+DLOWRWKH'LQRVDXUV
2QHRIRXUORQJWLPH'LQRVZDVWUDYHOOLQJ
ODVWZHHNDQGHQGHGXSVWUDQGHGRQWKH
WDUPDFIRUDYHU\ORQJWLPHDQGKHVHQW
DQHPDLOWR'LQR+HDGTXDUWHUVDQGVDLG
,ZLVK\RXRIIHUHGHERRNVEHFDXVH,
YH
JRWP\.LQGOHZLWKPHDQG,FRXOGEH
UHDGLQJRQHRIWKHPULJKWQRZ
7KHVXUSULVHGPHEHFDXVHZHKDYHIRXU
HERRNVDYDLODEOH%XWLW
VDYHU\QHZ
GHYHORSPHQWDQGQRWHYHU\RQHNQRZV
DERXWLW\HW
6R,ILUHGVRPHOLQNVRIIWRKLPDQG,
KRSHKHZDVDEOHWRGRZQORDGRQHRI
RXUHERRNVDQGHQMR\LWZKLOHKHDQG
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOMRKQJULPHNFRXUVH





'LQRVDXU7UDLQLQJMRKQJULPHNFRXUVH

WKHRWKHUSDVVHQJHUVZDLWHGIRU
WDNHRII
$Q\KRZWKDWPDGHPHWKLQNWKDW,
VKRXOGVHQGWKHOLQNVRXWWRDOORI
WKH'LQRVMXVWLQFDVHDQ\RQH
HOVHLVVWXFNVRPHZKHUHDQGQHHGV
DJRRGERRNWRUHDGRULQFDVH
\RXKDYHQ
WKHDUGDERXWRXUQHZ
HERRNV
6RKHUHWKH\DUH
'LQRVDXU7UDLQLQJ6HFUHWV9RO
([HUFLVHV:RUNRXWVDQG7UDLQLQJ
3URJUDPV
KWWSEURRNVNXELNFRPGLQRVDXUVHFUHWVBNLQGOHKWPO
'LQRVDXU7UDLQLQJ6HFUHWV9RO
+RZ6WURQJ$UH<RX"
KWWSZZZEURRNVNXELNFRPGLQRVDXUBVHFUHWVBNLQGOHKWPO
7KH7UDLQLQJ6HFUHWVRI-RKQ*ULPHN
KWWSZZZEURRNVNXELNFRPJULPHNWUDLQLQJBNLQGOHKWPO
7KH'LQRVDXU0LOLWDU\3UHVVDQG6KRXOGHU
3RZHU&RXUVH
KWWSZZZEURRNVNXELNFRPPLOLWDU\SUHVVBNLQGOHKWPO
%\WKHZD\HYHU\RQHRIRXUHERRNVKDV
PDGHLWLQWRWKH$PD]RQ7RSLQLWVFDWHJRU\
DQGPDQ\GD\VZH
YHKDGWZRERRNVLQWKH7RS
OLVWDWRQHWLPHDQGVRPHWLPHVZHHYHQ
KDYH7+5((ERRNVLQWKHWRS
:H
UHVWLOOORRNLQJIRUWKHGD\ZKHQZHKDYH
DOOIRXURIRXUHERRNVLQWKHWRS<RXFDQ
KHOSE\JUDEELQJRQHRUPRUHRIWKHPDQG
E\SRVWLQJUHYLHZVDWWKH$PD]RQSDJHIRU
HDFKRIWKHHERRNV7KHUHYLHZVUHDOO\KHOS
2IFRXUVHLI\RXSUHIHUKDUGFRS\ERRNVDQG
FRXUVHVZHKDYHHDFKRIWKHOLWWOHPRQVWHUV
LQKDUGFRS\IRUPDW*RKHUHWRJUDEWKHP
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHD
JUHDWGD\,I\RXWUDLQWRGD\PDNHLWDJRRG
RQH
<RXUVLQVWUHQJWK
%URRNV.XELN
366DYHWKLVHPDLODQGNHHSLWKDQG\WKH
QH[WWLPH\RX
UHWUDYHOOLQJ<RXQHYHUNQRZ
ZKHQ\RXPD\QHHGWRJUDEDJRRGERRNWR
UHDG

3RVWHGE\%URRNV.XELNDW$0

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOMRKQJULPHNFRXUVH





'LQRVDXU7UDLQLQJMRKQJULPHNFRXUVH

/DEHOVGLQRVDXUWUDLQLQJHERRNVGLQRVDXUZRUNRXWVMRKQJULPHNMRKQJULPHNFRXUVH
PLOLWDU\SUHVVFRXUVHPLOLWDU\SUHVVLQJROGVFKRROWUDLQLQJSRXQGDJHJRDOVUHDOZRUOG
WUDLQLQJ

%LJ$QQRXQFHPHQWRQ0RQGD\
+DLOWRWKH'LQRVDXUV
,
YHEHHQSRXQGLQJWKHNH\ERDUGOLNHD
PDGPDQWRILQLVKDVSHFLDOSURMHFWWKDW
,
YHZDQWHGWRGRIRUVHYHUDO\HDUV
,W
VQHZGLIIHUHQWDQGYHU\H[FLWLQJ
DQG,WKLQN\RX
UHUHDOO\JRLQJWROLNH
LW
)RUULJKWQRZWKHGHWDLOVDUHWRSVHFUHW
RWKHUWKDQPHRQO\7UXGLNQRZVDERXWLW
DQGVKH
VQRWWHOOLQJ
%XW,
OOJLYH\RXPRUHLQIRUPDWLRQRQ
0RQGD\
%HVXUHWRORRNIRULWDQGLI\RXGRQ
WVHH
DQHPDLOORRNIRUPHRQ)DFH%RRNRU
JRVWUDLJKWWRWKH'LQRVDXU7UDLQLQJ%ORJ
DQGORRNWKHUH,DOZD\VSRVWP\HPDLOV
RQWKH%ORJVRLI\RXPLVVDQHPDLO\RX
FDQILQGLWRQWKH%ORJ
$FFHVVWKH%ORJE\JRLQJWRWKH'LQRVDXU
7UDLQLQJZHEVLWHDQGORRNLQJIRUWKH
GURSGRZQEDU7KHEXWWRQIRUWKH%ORJ
LVWRWKHULJKW
2UMXVWIROORZWKLVOLQN
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRP
,SRVWWKHHPDLOVRQWKH%ORJEHFDXVHHPDLOV
GRQ
WDOZD\VJHWWKURXJK7KHF\EHUJUHPOLQV
VHHPWROLNHWRJREEOHWKHPXSVRPHWLPHV6R
,SRVWWKHPRQWKH%ORJDVDEDFNXS
,DOVROLQNWKH%ORJWRRXU)DFHERRNSDJH,I
\RXIULHQGPHRQIDFHERRN\RXFDQDOZD\V
VHHWKHGDLO\OLQNWRWKH%ORJYLD)DFHERRN
,QDQ\FDVHWKHUH
VJRLQJWREHD%,*
DQQRXQFHPHQWRQ0RQGD\%HVXUHWR
ORRNIRULW
$QGQRZEDFNWRZRUN,KDYHDORWWR
GREHWZHHQQRZDQG0RQGD\PRUQLQJ
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHD
JUHDWGD\,I\RXWUDLQWRGD\PDNHLWD
JRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN
367KHEHVWVHOOHUVIRUWKHZHHNDUHDOO
DYDLODEOHLQ\RXUFKRLFHRI.LQGOHHERRNRU
KDUGFRS\
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOMRKQJULPHNFRXUVH





'LQRVDXU7UDLQLQJMRKQJULPHNFRXUVH

D7KHILUVWLV'LQRVDXU7UDLQLQJ6HFUHWV9RO
KWWSZZZEURRNVNXELNFRPGLQRVDXUBVHFUHWVBKWPO
E7KHVHFRQGLV7KH7UDLQLQJ6HFUHWVRI-RKQ
*ULPHN
KWWSZZZEURRNVNXELNFRPJULPHNWUDLQLQJBNLQGOHKWPO
KWWSZZZEURRNVNXELNFRPMRKQJULPHNBFRXUVHKWPO
F7KHWKLUGLVWKH'LQRVDXU7UDLQLQJ0LOLWDU\3UHVV
DQG6KRXOGHU3RZHU&RXUVH
KWWSZZZEURRNVNXELNFRPPLOLWDU\SUHVVBNLQGOHKWPO
KWWSZZZEURRNVNXELNFRPPLOLWDU\SUHVVBFRXUVHKWPO
360\RWKHUERRNVDQGFRXUVHVDUHULJKW
KHUHDW'LQRVDXU+HDGTXDUWHUV.QLIH)RUN
0XVFOHKDVEHHQYHU\SRSXODUWKLVZHHN
LI\RXGRQ
WKDYHLWDFWQRZ
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
367KRXJKWIRUWKH'D\,WGRHVQ
WKDSSHQ
RYHUQLJKWEXWLWKDSSHQV-XVWNHHSRQWUDLQLQJ
%URRNV.XELN


3RVWHGE\%URRNV.XELNDW$0
/DEHOVGLQRQHZVGLQRVDXUQHZVGLQRVDXUWUDLQLQJHERRNVGLQRVDXUWUDLQLQJXSGDWHV
MRKQJULPHNFRXUVHPLOLWDU\SUHVVFRXUVH

+RZ/RQJ6KRXOGD:RUNRXW/DVW"
+DLOWRWKH'LQRVDXUV
7KUHHTXLFNQRWHVDQGWKHQZH
OOWDON
WUDLQLQJ
-RKQ*ULPHNRQ.LQGOH
:HMXVWUHOHDVHGP\-RKQ*ULPHN
7UDLQLQJFRXUVHDVDQHERRNRQ
.LQGOH,I\RXPLVVHGLWWKHILUVW
WLPHDURXQGDQG\RXUHDGHERRNV
JRKHUHWRJUDEWKHOLWWOHPRQVWHU
KWWSZZZEURRNVNXELNFRPJULPHNWUDLQLQJBNLQGOHKWPO
,I\RXSUHIHUWKHKDUGFRS\HGLWLRQ
\RXFDQILQGLWULJKWKHUH
KWWSZZZEURRNVNXELNFRPMRKQJULPHNBFRXUVHKWPO
7KH'LQRVDXU)LOHV4XDUWHUO\
:H
YHSXEOLVKHGWZRLVVVXHVRIWKH
'LQRVDXU)LOHVTXDUWHUO\*RKHUHWR
JUDEWKHP
KWWSZZZEURRNVNXELNFRPGLQRVDXUILOHVBTXDUWHUO\KWPO
'LQRVDXU7UDLQLQJ6HFUHWV9RO
7KLVLVFRXUVHQRLQDQHZVHULHVRI
FRXUVHVIRUDQG<RXFDQ
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOMRKQJULPHNFRXUVH





'LQRVDXU7UDLQLQJMRKQJULPHNFRXUVH

JUDELWLQ\RXUFKRLFHRIKDUGFRS\
RU.LQGOHHERRN
KWWSZZZEURRNVNXELNFRPGLQRVDXUBVHFUHWVBKWPO
$QGQRZOHW
VWDONWUDLQLQJ
$UHDGHUDVNHGPHKRZORQJDZRUNRXW
VKRXOGWDNH+HUH
VWKHH[DFWTXHVWLRQ
0\TXHVWLRQLVZRUNRXWGXUDWLRQ,VWKH
PLQXWHWKLQJEURVFLHQFH"6RPHWLPHV
P\ZRUNRXWVJRLQWRWKHKRXUDQG
PLQXWHWLPHIUDPH7KLVLVEHIRUH,GR
WRPLQVRIPRELOLW\ZRUNDQGZDUPLQJ
XS,
PDQGHQWHULQJWKHJUD\KDLU
JURXS
6RWKDW
VWKHTXHVWLRQRIWKHGD\QRZ
OHW
VILJXUHRXWZKHUHWREHJLQDQGKRZ
WRDQVZHULW
)LUVW,
PVFUDWFKLQJP\KHDGDOLWWOHEHFDXVH
,
PQRWVXUHZKDWWKHPLQXWHWKLQJLV
$QG,KDYHQRLGHDLILW
VEURVFLHQFHEHFDXVH
,VWD\DVIDUDZD\IURPWKHEUR
VDVSRVVLEOH
$V\RXPD\KDYHQRWHGWKHUHDUHQREUR
V
LQP\JDUDJHJ\PDQGWKHUHQHYHUZLOO
EH,W
VD%)=%UR)UHH=RQH
$Q\KRZ,DVVXPHWKHPLQXWHWKLQJ
UHIHUVWRDGYLFHWRNHHS\RXUZRUNRXWWR
PLQXWHV
7KDWJRHVEDFNWRDGYLFHIURPD%XOJDULDQ
ZHLJKWOLIWLQJFRDFKZKRYLVLWHGWKH86
EDFNLQWKH
VRU
VDQGZDV
TXRWHGDVVD\LQJWKDWZRUNRXWVVKRXOG
ODVWQRPRUHWKDQPLQXWHVEHFDXVH
\RXUEORRGOHYHOVRIWHVWRVWHURQHVWDUW
WRGLPLQLVKDIWHUPLQXWHV
7RJHWDURXQGWKDWWKH%XOJDULDQV
VXSSRVHGO\WUDLQHGIRUPLQXWHVDQG
WKHQUHVWHGIRUDZKLOHDQGWKHQWUDLQHG
VRPHPRUHDQGWKHQUHVWHGDQGVR
RQIRUSUHWW\PXFKWKHHQWLUHGD\
$WOHDVWWKDW
VKRZLWZDVUHSRUWHG
:KHWKHUWKDW
VZKDWWKH%XOJDULDQVDFWXDOO\
GLGLVDQ\ERG\
VJXHVVDQGZKHWKHUWKHUH
V
DQ\VRUWRIVROLGVFLHQFHEHKLQGLWLVDOVR
DQ\ERG\
VJXHVV
$QGRIFRXUVHOHDYHDVLGHWKHGUXJLVVXH
,IDQ\WHVWLQJZDVGRQHWRYDOLGDWHWKH
PLQXWHWKLQJZDVLWGRQHRQQDWXUDO
DWKOHWHVRURQGUXJXVHUV"
<HDKWKDWZRXOGNLQGRIFKDQJHWKLQJV
ZRXOGQ
WLW"
%XW,GLJUHVV
,W
VREYLRXVWKDW\RXFDQ
WJRWRVFKRRORU
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOMRKQJULPHNFRXUVH





'LQRVDXU7UDLQLQJMRKQJULPHNFRXUVH

ZRUNIRUDOLYLQJ RUGRERWKDVPDQ\GR 
DQGWUDLQDOOGD\PHDQLQJWKDWWKHVRFDOOHG
%XOJDULDQPHWKRGGRHVQ
WFXWLWLQWKHUHDO
ZRUOG,QWKHUHDOZRUOG\RXFDQ
WWUDLQDOO
GD\6ROHW
VQRWHYHQWDONDERXWLW

,QWKHUHDOZRUOGZHQHHGWRUHO\RQJRRG
ROGIDVKLRQHGFRPPRQVHQVHDQGVRPH
LQWHOOLJHQWWULDODQGHUURURQWKHSDUWRIWKH
WUDLQHH
&RPPRQVHQVHWHOOVXVWKDWWKHUH
VQR
VXFKWKLQJDVDQRSWLPDOWLPHIRUDZRUNRXW
,WZRXOGGHSHQGRQWRRPDQ\IDFWRUVWKDWDUH
XQLTXHWRDJLYHQLQGLYLGXDODJHH[SHULHQFH
W\SHVRIH[HUFLVHVSHUIRUPHGVHWVUHSVKRZ
KHDY\WLPHRI\HDUZKHUH\RXDUHLQD
WUDLQLQJF\FOHHWF
<RXDOVRKDYHWKHTXHVWLRQRIOLJKWKHDY\
DQGPHGLXPGD\V7KHWRWDOWUDLQLQJWLPH
ZRXOGSUREDEO\IOXFWXDWHGHSHQGLQJRQKRZ
KDUGDQGKRZKHDY\\RXWUDLQRQDJLYHQGD\
6RLQVWHDGRIKDUGDQGIDVWUXOHVZHQHHGWR
KDYHUDQJHV
+HUHDUHVRPHUDQJHVDQGVRPHVXJJHVWLRQV
6WDUWZLWKWRPLQXWHVRIZDUPXSV
D0RUHLI\RXQHHGPRUHOHVVLI\RXQHHG
OHVV$JHLVDNH\IDFWRUKHUH2OGHUWUDLQHHV
QHHGPRUHZDUPXSWLPH
7UDLQIRUWRPLQXWHV
D1RWHWKDWWKLVLVDZLGHUDQJH,WZLOO
DFFRPRGDWHPRVWRIXVSHUIHFWO\ZHOO
7RWDOWUDLQLQJWLPHVLQFOXGLQJZDUPXSV
VKRXOGEHEHWZHHQPLQXWHVDQGWZR
KRXUV
D6HHQRDDERYH
<RXQJHUWUDLQHHVXVXDOO\UHFRYHUEHWWHU
WKDQROGHUWUDLQHHVVRWKH\FDQH[SHULPHQW
ZLWKWKHPRUHHQGRIWKHUDQJH
2OGHUWUDLQHHV DJHDQGXS XVXDOO\GRQ
W
UHFRYHUDVZHOOVRWKH\VKRXOGPRYHPRUHWR
WKHORZHQGRIWKHUDQJH
2QDORZHQHUJ\GD\VKRUWHULVEHWWHU
2QDKLJKHQHUJ\GD\GRDELWPRUHLI
\RX
UHLQWKHPRRG2UQRW(LWKHUZD\ZRUNV
ILQH
D,I\RXWUDLQRQ6DWRU6XQWKDW
VXVXDOO\
DJRRGGD\IRUDORQJHUZRUNRXW
7KHPRVWLPSRUWDQWFRQVLGHUDWLRQLVQRW
KRZORQJ\RXWUDLQEXWKRZPXFK\RX)2&86
RQZKDW\RXDUHGRLQJ,I\RXJRWKURXJKWKH
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOMRKQJULPHNFRXUVH





'LQRVDXU7UDLQLQJMRKQJULPHNFRXUVH

PRWLRQV\RX
UHZDVWLQJ\RXUWLPH,I\RXUHDOO\
FRQFHQWUDWHRQ\RXUWUDLQLQJ\RXFDQKDYHD
YHU\SURGXFWLYHZRUNRXWLQDVKRUWSHULRGRI
WLPH
0HDVXUH\RXUSURJUHVVE\ZHLJKWRQWKHEDU
,I\RX
UHJHWWLQJVWURQJHUHYHU\WKLQJLVILQH,I
QRWPDNHDGMXVWPHQWV
,I\RX
UHQRWJHWWLQJVWURQJHU\RXXVXDOO\
QHHGWRGR/(66WUDLQLQJQRW025(WUDLQLQJ
+RSHWKDWKHOSV
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHDJUHDW
GD\,I\RXWUDLQWRGD\PDNHLWDJRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN
36*UD\+DLUDQG%ODFN,URQLVWKHEHVWERRN
RXWWKHUHDERXWVHULRXVWUDLQLQJIRUROGHU'LQRV
KWWSZZZEURRNVNXELNFRPJUD\KDLUBEODFNLURQKWPO
360\RWKHUERRNVDQGFRXUVHVDUHULJKW
KHUHDW'LQR+HDGTXDUWHUVDQGUHPHPEHU
\RXDOVRFDQILQGXVLQ$PD]RQ
V.LQGOH
ERRNVWRUH
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
KWWSZZZEURRNVNXELNFRPGLQRVDXUBVHFUHWVBKWPO
KWWSZZZEURRNVNXELNFRPJULPHNWUDLQLQJBNLQGOHKWPO
KWWSZZZEURRNVNXELNFRPPLOLWDU\SUHVVBNLQGOHKWPO
367KRXJKWIRUWKH'D\,W
VEHWWHUWREH
DORQHZROIWKDQDOHPPLQJ%URRNV.XELN

3RVWHGE\%URRNV.XELNDW$0
/DEHOVDEEUHYLDWHGWUDLQLQJEXLOGLQJVWUHQJWKDQGPXVFOHFHOODUGZHOOHUVDQGJDUDJH
JRULOODVGLQRVDXUWUDLQLQJHERRNVGLQRVDXUZRUNRXWVJUD\KDLUDQGEODFNLURQMRKQ
JULPHNFRXUVHUHDOZRUOGWUDLQLQJ

7KH7UDLQLQJ6HFUHWVRI-RKQ*ULPHN
+DLOWRWKH'LQRVDXUV
%UHDNLQJQHZVZHMXVWUHOHDVHGP\YHU\
SRSXODU-RKQ*ULPHNWUDLQLQJFRXUVHDVDQ
HERRNRQ.LQGOH
7KLVKDVEHHQRQHRIRXUEHVWVHOOHUVHYHU
VLQFHZHUHOHDVHGLWLQKDUGFRS\EDFNLQ
VRLI\RXPLVVHGLWLQKDUGFRS\
VSULQWRQRYHUDQGJUDEWKHHERRNULJKW
QRZ
<RXFDQILQGWKHOLWWOHPRQVWHUULJKWKHUH
KWWSZZZEURRNVNXELNFRPJULPHNWUDLQLQJBNLQGOHKWPO
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOMRKQJULPHNFRXUVH





'LQRVDXU7UDLQLQJMRKQJULPHNFRXUVH

,I\RXSUHIHUWKHKDUGFRS\HGLWLRQRIWKH
FRXUVH\RXFDQILQGLWULJKWKHUH
KWWSZZZEURRNVNXELNFRPMRKQJULPHNBFRXUVHKWPO
7KDQNVDQGLI\RXRUGHUWKH.LQGOH
HERRNSOHDVHSRVWDUHYLHZ7KH\
UHDOO\KHOSXV
<RXUVLQVWUHQJWK
%URRNV.XELN
3RVWHGE\%URRNV.XELNDW30
/DEHOVERG\EXLOGLQJLURQJDPHKLVWRU\MRKQJULPHNMRKQJULPHNFRXUVHROGVFKRRO
VWURQJPHQROGWLPHVWURQJPHQ\RUNEDUEHOOFOXE\RUNWUDLQLQJPHWKRGV

7KH%HVW*\PLQWKH:RUOG
+DLOWRWKH'LQRVDXUV
,WZDVDKXPEOHZRRGHQER[
-XVWVRPHERDUGVQDLOHGWRJHWKHU
6L[IHHWORQJRQHIRRWZLGHRQHIRRW
GHHS
,WZDVZUDSSHGZLWKDORQJFKDLQDQGWKH
FKDLQZDVSXOOHGWLJKWDQGSDGORFNHG
$\RXQJPDQZRUNHGWKHODWHVKLIW+HZHQW
WRZRUNDWLQWKHDIWHUQRRQDQGZRUNHG
XQWLOPLGQLJKW
$IWHUKHILQLVKHGZRUNLQJKHZDONHGKRPH
LQWKHGDUNQLJKW
+HUHDFKHGKLVKRXVHZHQWWRKLVURRP
DQGFKDQJHGLQWRVZHDWFORWKHV
%\QRZLWZDVDOPRVWLQWKHPRUQLQJ
7KHQLJKWZDVVLOHQW
7KHPRRQFDVWDJROGHQJORZRYHUWKH
WRZQWKHKRXVHDQGWKH\DUG
+HZHQWRXWVLGHZDONHGLQWRWKHULFNHW\
ROGJDUDJHOLWDPDWFKOLWDQROGODQWHUQ
SXWLWRYHULQWKHFRUQHUDQGWXUQHGWR
WKHZRRGHQER[
+HUHDFKHGXQGHUWKHVHYHQWKEULFNEDFN
E\WKHZDOODQGSXOOHGRXWDNH\
,WZDVWKHNH\WRWKHSDGORFN
+HRSHQHGWKHORFNORRVHQHGWKHFKDLQ
DQGRSHQHGWKHER[
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOMRKQJULPHNFRXUVH





'LQRVDXU7UDLQLQJMRKQJULPHNFRXUVH

+HUHDFKHGLQVLGHDQGSXOOHGRXWDORQJ
LURQEDU
,WZDVDEDUEHOO
+HSXOOHGRXWDVHULHVRILURQSODWHV
'XPEEHOOEDUV
.HWWOHEHOOEDUV
,QMXVWDIHZPLQXWHVKHKDGDOPRVW
SRXQGVRILURQO\LQJRQWKHGLUWIORRURI
WKHROGJDUDJH
$QGWKDW
VZKHQKHEHJDQKLVZRUNRXW
+HVWDUWHGZLWKDEDVLFZDUPXSH[HUFLVH
DVRUWRISRZHUVQDWFKSHUIRUPHGZLWKVWUDLJKW
OHJVDQGPRYHGRQWRFXUOV
$IWHUWKHFXUOVKHGLGSUHVVHV
+HORDGHGWKHEDUDQGGLGURZLQJVKUXJVVWLII
OHJJHGGHDGOLIWVFOHDQDQGSUHVVVWUDGGOHOLIWV
VQDWFKHVFOHDQDQGMHUNURZLQJVTXDWVEHQW
OHJJHGGHDGOLIWVDQGPRUH
+HZRUNHGLQGXPEEHOOH[HUFLVHVNHWWOHEHOO
H[HUFLVHVSXVKXSVVLWXSVSXOOXSVKDQGVWDQG
SXVKXSVOHJUDLVHVVLGHEHQGVJULSZRUN
DQGWKHZUHVWOHU
VEULGJH
+HWUDLQHGIRUDOPRVWWZRKRXUVXQGHUWKH
OLJKWRIWKHPRRQDQGWKHIOLFNHULQJODQWHUQ
+HILQLVKHGKLVZRUNRXWZLSHGDZD\WKH
VZHDWXQORDGHGKLVEDUEHOODQGSXWWKH
EDUEHOOWKHGXPEEHOOVWKHNHWWOHEHOOVDQG
WKHZHLJKWVEDFNLQWKHER[
+HZUDSSHGWKHFKDLQDURXQGWKHER[SXOOHG
LWWLJKWDQGORFNHGLWXSDJDLQ
+HSXWWKHNH\WRWKHSDGORFNEDFNXQGHUWKH
VDPHROGEULFN
%ULFNQR
7KHOXFN\EULFN
+HZDONHGRXWVLGHVKXWWKHJDUDJHGRRUDQG
ZHQWEDFNLQWRWKHKRXVH
+LVQDPHZDV-RKQ*ULPHNDQGKHZHQWRQ
WREHFRPHWKHJUHDWHVWDOOQDWXUDOERG\EXLOGHU
LQWKHKLVWRU\RIWKHZRUOG
$QGLWDOOVWDUWHGZLWKWKDWZRRGHQER[
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOMRKQJULPHNFRXUVH





'LQRVDXU7UDLQLQJMRKQJULPHNFRXUVH

,WZDVWKHEHVWJ\PLQWKHZRUOG
7KHYHU\EHVWJ\PLQWKHHQWLUHZRUOG
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHDJUHDW
GD\,I\RXWUDLQWRGD\UHPHPEHUWKDWZRRGHQ
ER[DQGPDNHLWDJRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN
36%DFNLQ,ZURWHDWHUULILFFRXUVHDERXW
-RKQ*ULPHN
VOLIHDQGWUDLQLQJ<RXFDQJUDELW
LQ\RXUFKRLFHRIKDUGFRS\RI.LQGOHHERRN
D)RUWKH.LQGOHHERRNJRKHUH
KWWSZZZEURRNVNXELNFRPJULPHNWUDLQLQJBNLQGOHKWPO
E)RUWKHKDUGFRS\FRXUVHJRKHUH
KWWSZZZEURRNVNXELNFRPMRKQJULPHNBFRXUVHKWPO
0\RWKHUERRNVDQGFRXUVHVDUHULJKWKHUHDW
'LQRVDXU+HDGTXDUWHUV
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
7KRXJKWIRUWKH'D\,I\RXEULQJVZHDWHQWKXVLDVP
DPGKDUGZRUNLWGRHVQ
WWDNHPXFKPRUH%URRNV
.XELN

3RVWHGE\%URRNV.XELNDW$0
/DEHOVLURQJDPHKLVWRU\MRKQJULPHNMRKQJULPHNFRXUVHROGVFKRROVWURQJPHQROG
VFKRROWUDLQLQJSURJUDPV

'LQRVDXU6W\OH+DQG%DODQFLQJ
+DLOWRWKH'LQRVDXUV
,FRYHUKDQGVWDQGSXVKXSVLQ'LQRVDXU
%RG\ZHLJKW7UDLQLQJDQGLQWKH'LQRVDXU
7UDLQLQJ0LOLWDU\3UHVVDQG6KRXOGHU3RZHU
&RXUVH
$QG,GHVFULEH-RKQ*ULPHN
VRIIWKHFKDUW
KDQGVWDQGSXVKXSDQGWLJHUEHQGZRUNRXWV
LQP\-RKQ*ULPHNWUDLQLQJFRXUVH
6RLW
VSUREDEO\QRWVXUSULVLQJWKDWPDQ\
UHDGHUVKDYHDVNHGPHWRGRDERRNRU
RQ'LQRVW\OHKDQGVWDQGWUDLQLQJRU
'LQRVDXUKDQGEDODQFLQJ
)RUH[DPSOHWKLVZDVLQWKHHPDLOER[
ODVWQLJKW
+H\%URRNV
,DEVROXWHO\ORYHWKH-RKQ*ULPHNFRXUVH
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOMRKQJULPHNFRXUVH





'LQRVDXU7UDLQLQJMRKQJULPHNFRXUVH

5HDGWKURXJKLWIRXURUILYHWLPHVWKH
ILUVWJRDURXQGDQGSLFNLWXSHYHU\
IHZPRQWKV
*ULPHNLVRQHRIP\SHUVRQDO
LURQ
KHURHV
DQG\RXGLGDVSHFWDFXODU
MRERQLW
,I\RXZHUHWRGRDVWULFWO\KDQGEDODQFLQJ
FRXUVH,DORQJZLWKPDQ\RWKHUVSUREDEO\
ZRXOGEX\LWLQDKHDUWEHDW
7KDQN\RXDQGNHHSXSWKHJRRGZRUN
%ODNH
$QGWKDW
VDW\SLFDOHPDLO,JHWWKLVHYHU\
UHTXHVWHYHU\ZHHNRUWZR
%XWKHUH
VWKHSUREOHP
,
PQRWDKDQGEDODQFHU1HYHUKDYHEHHQ
:KHQ,GLGKDQGVWDQGSXVKXSVE\WKHEXVKHO
EDVNHW,GLGWKHPZLWKP\IHHWWRXFKLQJWKH
ZDOOQRWWKHIUHHVWDQGLQJNLQG
$QG,FDQ
WOHDUQKDQGEDODQFLQJQRZ
EHFDXVH,KDYHJODXFRPDRUSUHJODXFRPD
WKHGRFLVQ
WVXUHZKLFK DQGXSVLGHGRZQ
WUDLQLQJLVRQWKHGRQ
WGROLVW
6R,
PQRWJRLQJWRGRDKDQGEDODQFLQJ
FRXUVH
%XWWKDW
VRND\EHFDXVHWZRRIP\JRRG
IULHQGVKDYHH[FHOOHQWKDQGEDODQFLQJFRXUVHV
DYDLODEOH
%LOO+LQEHUQKDVDNLOOHUFRXUVHRQKDQGEDODQFLQJ
,W
VDKDUGFRS\FRXUVHDQGLW
VRIIWKHFKDUWV
JRRG
<RXFDQJUDELWULJKWKHUH
KWWSVXSHUVWUHQJWKWUDLQLQJFRPKDQGEDODQFLQJIRUPXVFXODU
GHYHORSPHQWELOOKLQEHUQ
,QDGGLWLRQ-RKQ:RRGKDVUHOHDVHGDWHUULILF
PRGHUQUHSULQW ZLWKKLVRZQFRPPHQWDU\ RI
DYHU\UDUHKDQGEDODQFLQJFRXUVHZULWWHQE\
6LJ.OHLQZKRPD\KDYHEHHQRQHRIWKH
JUHDWHVWKDQGEDODQFHUVRIDOOWLPH
,W
VDYDLODEOHLQHERRNRQ.LQGOHDQG\RXFDQ
ILQGLWULJKWKHUH
KWWSZZZDPD]RQFRP7U\+DQG%DODQFLQJ8SGDWHG$QQRWDWHG
(GLWLRQHERRNGS%/<0,(
%RWKRIWKHVHFRXUVHVDUHROGVFKRROERWKRI
WKHPDUHYHU\ZHOOGRQHDQGERWKRIWKHP
DUH'LQRDSSURYHG
6RLI\RXZDQWWRJLYHXSVLGHGRZQWUDLQLQJ
DWU\JUDEERWKRIWKHPDQGOHDUQKDQG
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOMRKQJULPHNFRXUVH





'LQRVDXU7UDLQLQJMRKQJULPHNFRXUVH

EDODQFLQJIURPWKHPDVWHUV
<RXUVLQVWUHQJWK
%URRNV.XELN

3RVWHGE\%URRNV.XELNDW$0
/DEHOVELOOKLQEHUQKDQGEDODQFLQJKDQGVWDQGSXVKXSVMRKQJULPHNMRKQJULPHN
FRXUVHMRKQZRRGVLJNOHLQ

,1HHG)HHGEDFNRQWKH-RKQ*ULPHN7UDLQLQJ
&RXUVH
+DLOWRWKH'LQRVDXUV
,KDYHWZRTXLFNIDYRUVIRUWKH'LQR1DWLRQ
,I\RXKDYHDFRS\RIP\-RKQ*ULPHN
7UDLQLQJFRXUVHSOVVKRRWPHDQHPDLOZLWK
DRQHRUWZROLQHUHYLHZRUWHVWLPRQLDOIRU
WKHOLWWOHPRQVWHU
D,I\RXGRQ
WKDYHWKH*ULPHNFRXUVH
QRZ
VDJRRGWLPHWRJUDEDFRS\
KWWSZZZEURRNVNXELNFRPMRKQJULPHNBFRXUVHKWPO
E$OVROHWPHNQRZZKRRUZKDW\RX
G
OLNHXVWRFRYHULQIXWXUHFRXUVHV
,I\RXKDYHHLWKHURIP\QHZHERRNV
SOVSRVWUHYLHZVRQRXU$PD]RQ.LQGOH
SDJHV7KHUHYLHZVUHDOO\KHOSXV
KWWSZZZEURRNVNXELNFRPPLOLWDU\SUHVVBNLQGOHKWPO
KWWSZZZEURRNVNXELNFRPGLQRVDXUBVHFUHWVBKWPO
D,WKLQN\RXFDQSRVWDUHYLHZHYHQLI\RX
KDYHWKHKDUGFRS\YHUVLRQVRIWKHFRXUVHV
DOWKRXJK\RXSUREDEO\QHHGWRVD\WKDWLQ
\RXUUHYLHZ
7KDQNVDQGPXFKDSSUHFLDWHG
<RXUVLQVWUHQJWK
%URRNV.XELN
36,I\RXRUGHUHGLVVXHQRRIWKH'LQRVDXU
)LOHVTXDUWHUO\OHWPHNQRZKRZ\RXOLNHLW
DQGZKDWZHFDQGRWRPDNHWKHQH[WLVVXH
HYHQEHWWHU,LQFOXGHGVRPHVSHFLILFTXHVWLRQV
IRU\RXLQWKLVLVVXHDQG,QHHG\RXUIHHGEDFN
RQWKHP


3RVWHGE\%URRNV.XELNDW$0
/DEHOVGLQRVDXUIHHGEDFN'LQRVDXU)LOHVGLQRVDXUWUDLQLQJHERRNIHHGEDFNIURP
GLQRVDXUVMRKQJULPHNMRKQJULPHNFRXUVHPLOLWDU\SUHVVFRXUVH

+RPH

2OGHU3RVWV

6XEVFULEHWR3RVWV $WRP

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOMRKQJULPHNFRXUVH





'LQRVDXU7UDLQLQJMRKQJULPHNFRXUVH

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHOMRKQJULPHNFRXUVH



Вам также может понравиться