V.A.
Oax 066
_aslmlnh, @N
:>;;>-666> Zaur lcl`trj`jty ojcc
www.s`l.`am
DNMLP MLO\PX/ Vnkl > ae 0
@ustamlr n``auit 5-?<-:<6-8<52
Ear ojccjik nih slrvj`l jiqujrjls `ncc >-266-528-2>?0
Plrvj`l n``auit ?-0<?-5<8?-05
050; [ HNZXAI NUL
Hntl ojcc prlpnrlh4 6:/65/?> E_LPIA, @N :0;??
_atntjik autnkl Kraup N>50
Zaur n``auit summnry
Vrlvjaus oncni`l $?>;.>0
Vnymlit rl`ljvlh 62/6: $?>;.>0
Oncni`l earwnrh $6.66
Zaur ilw `bnrkls $?><.08
Xatnc nmauit yau awl oy 6:/>?/?> $?><.08
@ampnrl tbl lcl`trj`jty yau nrl usjik
Ear mltlr U08:L-:::::: eram 62/>>/?> ta 6:/>>/?> Zaur ilxt ojccjik `y`cl wjcc lih ai ar noaut 6:/>0/?>
Xatnc lcl`trj`jty yau uslh tbjs maitb ji g[b 852,:5?
Lcl`trj`jty (g[b) Hlmnih (g[) _ln`tjvl usnkl js ><?,:5; gUnrb
Pummlr Plnsai Mnxjmum hlmnih js :;? g[
Ai plng >0:,805 :52 (6;/>6/?> >8466 ta >84><) _ln`tjvl hlmnih js 2>6 gUnr
Mjh plng ?6?,6?5 :;? (6;/>5/?> >>4>< ta >>406)
Aee plng >?;,<66 :>? (6;/06/?> 6;406 ta 6;48<)
Xatnc 852,:5?
Zaur hnjcy nvlrnkl lcl`trj`jty usnkl (g[b)
>5,666
>8,666
>?,666
Duc '6: Duc '>6 Nuk '>> Duc '>>
Vclnsl rlturi tbl pnymlit stuo olcaw wjtb yaur pnymlit nih mngl yaur `bl`g pnynocl ta Pautblri @ncjearijn Lhjsai.
(Xlnr blrl) Je yau wnit ta pny ji plrsai, `ncc >-266-;8;-2:62 ear ca`ntjais, ar yau `ni pny aicjil nt www.s`l.`am. (Xlnr blrl)
Nmauit hul oy 6:/>?/?> $?><.08
@ustamlr n``auit 5-?<-:<6-8<52
Vclnsl wrjtl tbjs iumolr ai yaur `bl`g. Mngl Nmauit li`caslh $
yaur `bl`g pnynocl ta Pautblri @ncjearijn Lhjsai.
DNMLP MLO\PX
252 E NU V.A. OAR 066
@A_AINHA, @N :?>>2 _APLMLNH, @N :>;;>-666>
65 0<6 ?5<0 ?0?58<2 50<25:?0<52;;<05<2>>?05<866?5<:
DNMLP MLO\PX/ Vnkl ? ae 0
@aitn`t jiearmntjai *Iatl - Pymoacs wjcc npplnr ai prahu`tjai ojccs
@ustamlr slrvj`l iumolrs Muctj`ucturnc slrvj`ls
Klilrnc Plrvj`ls (\.P. & @ninhn) >-266-5<<-8<<< @nmoahjni >-266-280->06:
N``auit Oncni`ls & Lxtlisjais >-266-:<6-?0<5 @bjilsl >-266-280-2080
Lmlrkli`y Plrvj`ls & Autnkls >-266-5>>->:>> Garlni >-266-5?2-065>
@ncjearijn Nctlrintl _ntls ear Lilrky (@N_L) >-266-88;-55?6 Ujltinmlsl >-266-0?;-060>
Lcl`trj` Jihustry _lstru`turjik >-266-;::-8;?0 Ppnijsb >-266-88>-??00
Lilrky Xblet Batcjil >-266-??;-0:6>
Blnrjik & Ppll`b Jmpnjrlh (XXZ) >-266-0<?-2<26
@arrlspaihli`l4 Pautblri @ncjearijn Lhjsai(P@L)
V.A. Oax 5866 _ni`ba @u`nmaikn, @N :>;?:-5866
Jmpartnit jiearmntjai
_atntjik autnkls
Cntl Vnymlit @bnrkl (CV@)
N ratntjik autnkl js n `aitracclh lcl`trj` autnkl tbnt cnsts nppraxjmntlcy ail baur ear
N cntl pnymlit `bnrkl ae 6.2% wjcc ol nppcjlh ta tbl tatnc uipnjh oncni`l ai yaur
n kraup ae `jr`ujts, wbj`b js uslh hurjik lcl`trj` systlm lmlrkli`y `aihjtjais ta
n``auit je eucc pnymlit js iat rl`ljvlh oy tbl hul hntl ai tbjs ojcc (lx`lpt ear @N_L
nvajh wjhlsprlnh ar ui`aitracclh ocn`gauts. Ln`b P@L `ustamlr js nssjkilh n
nih stntl nkli`y n``auits).
ratntjik autnkl kraup, sbawi ai tbl upplr pnrt ae tbl P@L ojcc. Je yaur ratntjik
autnkl kraup olkjis wjtb tbl clttlrs N, M, _, P, ar R, yau nrl suodl`t ta ratntjik Hjsputlh ojccs
autnkls. Je jt olkjis wjtb I ar Lxlmpt, yau nrl iat. Zaur ratntjik autnkl kraup mny Je yau tbjigyaur ojcc js ji`arrl`t, `ncc us nih splng wjtb n `ustamlr slrvj`l
`bnikl nt niy tjml. Ear marl jiearmntjai, nih ta sll wbj`b ratntjik autnkl kraups rlprlslitntjvl, ar je il`lssnry, wjtb n mninklr. Je yau ellc uisntjsejlh wjtb tbl rlsuct
nrl cjglcy ta ol `ncclh ji tbl lvlit ae n systlm lmlrkli`y, vjsjt www.s`l.`am ar `ncc ae su`b hjs`ussjai(s), `aitn`ttbl @V\@, @aisumlr Neenjrs Orni`boy m njc nt4 <6<
>-266-5<<-8<<<. Uni Ilss, _aam ?660 Pni Erni`js`a, @N :8>6?7 ar nt4 www. `pu`.`n.kav,> -266-
58:-;<;6, XXZ4 >-266-??:-5285. Ji`cuhl n `apy ae yaur ojcc, wby yau olcjlvl P@L
Aptjais ear pnyjik yaur ojcc hjh iat eaccaw jts ruclsnih rntls, nih n `bl`g ar maily arhlrmnhl aut ta tbl @V\@
ear tbl hjsputlh nmauit. Zau must pny tbl hjsputlh nmauit,ar slih jt ta tbl @V\@,
Ai-cjil4 www.s`l.`am ar Lcl`traij` Euih Xrniselr
olearl tbl pnst-hul hntl ta nvajh hjs`aiil`tjai. Xbl @V\@ n``lpts pnymlit aicy
Mnjc-ji4 @bl`g ar Maily arhlr
ear mnttlrs rlcntjik hjrl`tcy ta ojcc n``urn`y. [bjcltbl @V\@ js jivlstjkntjik yaur
Ji Vlrsai4 Nutbarjzlh pnymlitca`ntjais >-266-;8;-2:62
`ampcnjit, yau must pny niy ilw P@L ojccs tbnt ol`aml hul.
Vbail4 ^uj`g@bl`g >-266-:<6-?0<5
@rlhjt @nrh‐Ujsn/Mnstlr@nrh* >-266-?<8-8>?0 Lcl`traij` Euih Xrniselrs (LEX)
Hlojt @nrh‐N@@LC/IZ@L/Vucsl/Ptnr >-266-?<8-8>?0
[bli yau pravjhl n `bl`g ns pnymlit,yau nutbarjzl us ljtblr ta usl jiearmntjai
*Xbl @rlhjt/Hlojt `nrh pnymlit aptjais nrl iat nvnjcnocl ear pnymlit ae `ammlr`jnc eram yaur `bl`g ta mngl n ail-tjml lcl`traij`euih trniselr eram yaur n``auit ar ta
slrvj`ls ar sl`urjty hlpasjts ear `ammlr`jnc slrvj`ls. pra`lss tbl pnymlit ns n `bl`g trnisn`tjai. [bli wl usl jiearmntjai eram yaur
Zau mny `ncc us ear lcl`traij` pnymlit aptjais, ta mngl pnymlitnrrniklmlits, ar `bl`g ta mngl ni lcl`traij` euih trniselr, euihs mny ol wjtbhrnwi eram yaur
ear jiearmntjai ai nkli`jls ta nssjst yau ji ojcc pnymlit. Je slrvj`l bns olli n``auit ns saai ns tbl snml hny wl rl`ljvl yaur pnymlit. Zau wjcc iat rl`ljvl
hjs`aiil`tlh,ai tbl hny ae tbl slrvj`l rl`aiil`tjai, ol surl ncc nppcjni`ls nih yaur `bl`gon`g eram yaur ejini`jnc jistjtutjai, out tbl trnisn`tjai wjcc npplnr ai
atblr lcl`trj`hlvj`ls nrl turilh aee. Ear nhhjtjainc baml snelty tjps, vjsjt yaur ejini`jnc jistjtutjai stntlmlit. Je yau ha iat wjsb ta nutbarjzlni lcl`traij` euih
www.s`l.`am/snelty ar yau mny `ncc P@L @ustamlr Plrvj`l nt >-266-5<<-8<<<. trniselr, pclnsl `ncc tbl 266 iumolr ai tbl erait ae yaur ojcc.
Vnst hul ojccs
Zaur ojcc wns prlpnrlh ai Maitb hh, yyyy. Zaur ojcc js hul wbli yau rl`ljvl jt nih Hlejijtjais
ol`amls pnst hul >: hnys netlr tbl hntl tbl ojcc wns prlpnrlh. Zau wjcc bnvl ><
hnys nt yaur ilw nhhrlss ta pny n ojcc eram n prjar nhhrlss olearl yaur slrvj`l wjcc • H[_ Oa ih @bnrkl4 Oaihs jssulh oy tbl Hlpnrtmlit ae [ntlr_lsaur`ls (H[_)
ol tlrmjintlh. P@L hals iat tlrmjintl rlsjhlitjnc slrvj`l ear iai-pnymlit ae ojccs ta `avlr tbl `ast ae ouyjik pawlr ear `ustamlrs hurjik tbl lilrky `rjsjs nrl oljik
ear atblr `cnssls ae slrvj`l. Xlrmjintjai ae lcl`trj` slrvj`l rlqujrls n Plrvj`l rlpnjhtbraukb tbjs `bnrkl.
@aiil`tjai `bnrkl. Je yau nrl n rlsjhlitjnc `ustamlr, nih `cnjm ni jinojcjty ta pny • P@L Klilrntjai4 Xblsl `bnrklsrl`avlr lilrkypra`urlmlit nih klilrntjai
nih pnymlit nrrniklmlits bnvl iat olli lxtlihlh ta yau oy P@L pursunit ta `asts ear tbnt partjai ae yaur lilrky pravjhlh oy P@L. Olkjiijik Nprjc >>, ?6>6,
P@L's ejclh tnrjees, yau mny `aitn`t tbl @ncjearijn Vuocj` \tjcjtjls @ammjssjai pursunit ta @V\@ Hl`jsjai>6-60-6??,Hjrl`t N``lss (HN) js nknji apli ta ncc
(@V\@). iai-rlsjhlitjnc `ustamlrs, suodl`tta niiunc cjmjts hurjikn eaur ylnr pbnsl-ji
plrjah, nih nosacutl cjmjts eaccawjik tbl pbnsl-ji. Ncc rlsjhlitjnc `ustamlrs
`urrlitcy rlturijik ta Ouihclh Plrvj`l mny iat lcl`t ta rlturi ta HN slrvj`l.
_ucls nih rntls
• @N @cjmntl @rlhjt4 @rlhjt eram stntl leeart ta ejkbt `cjmntl `bnikl. Nppcjlh maitbcy
P@L‚s rucls nih rntls nrl nvnjcnocl ji eucc nt www.s`l.`am ar upai rlqulst.
ta lcjkjocl ousjilssls nih slmj-niiunccy ta rlsjhlits.
Xa `bnikl yaur `aitn`t jiearmntjai, `ampcltl tbl earm olcaw nih rlturi jt ta P@L.
@bnikl ae Mnjcjik Nhhrlss4 5-?<-:<6-8<52 Hjrl`t Vnymlit (Nutamntj` Hlojt) Liraccmlit4 5-?<-:<6-8<52
PX_LLX# PX_LLX INML NVN_XMLIX # J blrloy nutbarjzl P@L nih my ejini`jnc jistjtutjai ta nutamntj`nccyhlhu`t my
. maitbcypnymlit eram tbl `bl`gjikn``auit ns sbawi ai my li`caslh `bl`g, tli
@JXZ PXNXL TJV @AHL
`nclihnr hnys netlr my ojcc js mnjclh.
Pjkinturl QQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQ Hntl QQQQQQQQQQQQQQ
XLCLVBAIL # L-MNJC NHH_LPP Xa `bnikl yaur `bl`gjik n``auitjiearmntjaiar ta ol rlmavlh eram tbl Hjrl`t
Vnymlit prakrnm pclnsl `ncc P@L F
Lilrky Nssjstni`l Euih (LNE)4 J wnit ta blcp p lapcl pny tbljr lilrky ojcc tbraukb LNE. Ear jiea vjsjt www.s`l.`am/lne ar `ncc (266) ?6<-2<:5.
_auih-up my ojcc ta ilxt wbacl haccnr nmauit ear LNE Nhh tbjs nmauit ear LNE $QQQQQQQQQQQQQQQ Plcl`t ail oax aicy nih sjki olcaw ear LNE4
Lvlry Ail Maitb Lvlry Ail Maitb
Maitb Aicy
QQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQ
Aicy Maitb
DNMLP MLO\PX/ Vnkl 0 ae 0
\snkl @ampnrjsai
Plp ‒6: Plp ‚>6 A`t ‚>6 Iav ‚>6 Hl` ‚>6 Dni ‚>> Elo ‚>> Mnr ‚>> Npr ‚>> Mny ‚>> Dui ‚>> Duc ‚>> Nuk ‚>> Plp‒>>
Xatnc g [b us lh 80?,5>0 0;6,;6> 866,666 0::,?:< 022,:5< 0:;,266 8::,> 66 85<,::: 822,?66 82;,8>6 8:?,<66 8:2,8;< 8>>,266 852,:5?
Iumolr ae hnys 06 06 06 0> ?2 0> 0> 06 0> 06 0> 0> 06 0?
Nppx. nvlrnkl g[b uslh/hny >8,8?6 >?,0<; >0,000 >?,226 >0,2:? >0,?56 >5,>66 ><,<00 ><,;82 >5,?8; ><,22; >5,626 >0,;?; >8,5<<
Hltnjcs ae yaur ilw `bnrkls
Zaur rntl4 XA\-2-N
Ojccjik plrjah4 62/>>/?> ta 6:/>>/?> (0? hnys)
Hlcjvlry `bnrkls Zaur Hlcjvlry `bnrkls ji`cuhl4
En`jcjtjls rlc hlmnih :;? g[ x $>?.85666 $?>.>? • $?<.<2 trnismjssjai `bnrkls
Lilrky-Pummlr • $>><.28 hjstrjoutjai `bnrkls
Ai plng >0:,805 g[b x $6.6>8?6 $>:.:: • $0.>8 iu`clnr hl`ammjssjaijik `bnrkls
Mjh plng ?6?,6?5 g[b x $6.6>8?6 $?2.;; • $88.?8 puocj` purpasl prakrnms `bnrkl
Aee plng >?;,<66 g[b x $6.6>8?6 $>2.<6 • $<.;< ilw systlm klilrntjai `bnrkl
@ustamlr `bnrkl $<.6?
Vawlr en`tar nhd 2>6 gUnr x $6.?;666 $?.;6 Zaur Klilrntjai `bnrkls ji`cuhl4
H[_ oaih `bnrkl 822,:5? g[b x $6.66<>< $?8.>< • $?>.2< `ampltjtjai trnisjtjai `bnrkl
Klilrntjai `bnrkls
H[_ Zaur avlrncc lilrky `bnrkls ji`cuhl4
H[ _ lilrky `rlhjt x,xxx g[b x -$6.66666 - $ 6.66 • $2.:< erni`bjsl ells
P@L
Lilrky-Pummlr Nhhjtjainc jiearmntjai4
Ai plng :;,>60 g[b x $6.025>0 $;8.02 • Plrvj`l vactnkl4 58666 vacts
Mjh plng >86,5:> g[b x $6.>02:> $>:<.0:
Aee plng 22,;:> g[b x $6.68:<2 $88.?5
Puotatnc ae yaur ilw `bnrkls $?2;.:?
Maitlrly Vnrg \\X $22,;;8.:? x 0.66666% $?5.?<
Ptntl tnx 852,:5? g[b x $6.666?? $>.>;
Zaur ilw `bnrkls $?><.08
Xbjiks yau sbauch giaw
Caagjik ear n marl `aivlijlit wny ta rl`ljvl nih pny yaur maitbcy lcl`trj` ojcc1
Aicjil Ojccjik clts yau vjlw yaur `urrlit ojcc nih rlvjlw yaur n``auit bjstary wjtbaut rl`ljvjik n pnplr ojcc. Aicjil Vnymlit aeelrs tbl
`aivlijli`l ae pnyjik aicjil, niy tjml ae hny, slvli hnys n wllg. Zau‚cc snvl ai pastnkl, taa. Liracc ji P@L‚s erll My N``a uit
slrvj`l tahny nt www.s`l.`am/myojcc.
