& $3,67$1'$5'

7DEOH&Ͷ7DQN2XWRIVHUYLFH,QVSHFWLRQ&KHFNOLVW
&RPSOHWHG
,WHP &RPPHQWV
—
& 2YHUYLHZ
D &KHFNWKDWWDQNKDVEHHQFOHDQHGLVJDVIUHHDQGVDIHIRUHQWU\
E &KHFNWKDWWKHWDQNLVFRPSOHWHO\LVRODWHGIURPSURGXFWOLQHVDOOHOHFWULFDOSRZHUDQG
VWHDPOLQHV
F &KHFNWKDWURRILVDGHTXDWHO\VXSSRUWHGLQFOXGLQJIL[HGURRIVWUXFWXUHDQGIORDWLQJ
URRIOHJV
G &KHFNIRUSUHVHQFHRIIDOOLQJREMHFWKD]DUGVVXFKDVFRUURGHGWKURXJKURRIUDIWHUV
DVSKDOWVWDODFWLWHVDQGWUDSSHGK\GURFDUERQVLQXQRSHQHGRUSOXJJHGHTXLSPHQWRU
DSSXUWHQDQFHVOHGJHVHWF
H ,QVSHFWIRUVOLSSLQJKD]DUGVRQWKHERWWRPDQGURRIGHFNV
I ,QVSHFWVWUXFWXUDOZHOGVRQDFFHVVZD\VDQGFOLSV
J &KHFNVXUIDFHVQHHGLQJLQVSHFWLRQIRUDKHDY\VFDOHEXLOGXSDQGFKHFNZHOGVHDPV
DQGRLO\VXUIDFHVZKHUHZHOGLQJLVWREHGRQH1RWHDUHDVQHHGLQJPRUHFOHDQLQJ
LQFOXGLQJEODVWLQJ
K  5HYLHZFDWKRGLFSURWHFWLRQSRWHQWLDOUHDGLQJV
& 7DQN([WHULRU
D ,QVSHFWDSSXUWHQDQFHVRSHQHGGXULQJFOHDQLQJVXFKDVORZHUIORDWLQJVZLQJVKHDYH
DVVHPEOLHVQR]]OHLQWHULRUV DIWHUUHPRYDORIYDOYHV 
E +DPPHUWHVWRUXOWUDVRQLFDOO\WHVWWKHURRI
F (QWHUDQGLQVSHFWWKHIORDWLQJURRISRQWRRQFRPSDUWPHQWV
& %RWWRP,QWHULRU6XUIDFH
D 8VLQJDIODVKOLJKWKHOGFORVHWRDQGSDUDOOHOWRWKHERWWRPSODWHVDQGXVLQJWKHERWWRP
SODWHOD\RXWDVDJXLGHYLVXDOO\LQVSHFWDQGKDPPHUWHVWWKHHQWLUHERWWRP
E 0HDVXUHWKHGHSWKRISLWWLQJDQGGHVFULEHWKHSLWWLQJDSSHDUDQFH VKDUSHGJHGODNH
W\SHGHQVHVFDWWHUHGHWF
F 0DUNDUHDVUHTXLULQJSDWFKLQJRUIXUWKHULQVSHFWLRQ
G 0DUNORFDWLRQVIRUWXUQLQJFRXSRQVIRULQVSHFWLRQ
H ,QVSHFWDOOZHOGVIRUFRUURVLRQDQGOHDNVSDUWLFXODUO\WKHVKHOOWRERWWRPZHOG
I ,QVSHFWVNHWFKSODWHVIRUFRUURVLRQ
J &KHFNFRQGLWLRQRILQWHUQDOVXPSLIDSSOLFDEOH6WDQGLQJOLTXLGVKRXOGEHUHPRYHG
IURPWKHVXPSWRDOORZIRUFRPSOHWHLQVSHFWLRQDQGYDFXXPWHVWLQJRIZHOGVHDPVDV
DSSURSULDWH6XPSERWWRPDQGVLGHZDOOSODWHDQGVHDPVQHHGWREHHYDOXDWHGIRU
ERWKSURGXFWVLGHDQGVRLOVLGHFRUURVLRQ
K /RFDWHDQGPDUNYRLGVXQGHUWKHERWWRP
L 5HFRUGERWWRPGDWDRQDOD\RXWVNHWFKXVLQJWKHH[LVWLQJERWWRPSODWHVDVDJULG
/LVWWKHQXPEHUDQGVL]HVRISDWFKHVUHTXLUHG
M 9DFXXPWHVWWKHERWWRPODSZHOGV
N +DPPHUWHVWRUXOWUDVRQLFDOO\H[DPLQHDQ\VOLJKWO\GLVFRORUHGVSRWVRUGDPSDUHDV
O &KHFNIRUUHLQIRUFLQJSDGVXQGHUDOOERWWRPDWWDFKHGFOLSVEUDFNHWVDQGVXSSRUWV
P ,QVSHFWIORDWLQJURRIOHJSDGVIRUSLWWLQJRUFXWWLQJDQGH[FHVVLYHGLPSOLQJ LQGLFDWLQJ
H[FHVVLYHORDGLQJ 
Q &KHFNWKHFROXPQEDVHVRIIL[HGURRIVXSSRUWVIRUDGHTXDWHSDGVDQGUHVWUDLQLQJFOLSV
R ,QHDUWKTXDNH=RQHVDQGFKHFNWKDWURRIVXSSRUWVDUHQRWZHOGHGGRZQWRWKH
WDQNERWWRPEXWDUHRQO\UHVWUDLQHGIURPKRUL]RQWDOPRYHPHQW
S &KHFNDUHDEHQHDWKVZLQJOLQHFDEOHIRULQGLFDWLRQVRIFDEOHFXWWLQJRUGUDJJLQJ
T 0DUNROGRLODQGDLUWHVWFRQQHFWLRQIRUUHPRYDODQGSDWFKLQJ
U ,GHQWLI\DQGUHSRUWORZDUHDVRQWKHERWWRPWKDWGRQRWGUDLQDGHTXDWHO\
V ,QVSHFWFRDWLQJIRUKROHVGLVERQGLQJGHWHULRUDWLRQDQGGLVFRORUDWLRQ
 7$1.,163(&7,215(3$,5$/7(5$7,21$1'5(&216758&7,21 &

7DEOH&Ͷ7DQN2XWRIVHUYLFH,QVSHFWLRQ&KHFNOLVW &RQWLQXHG
&RPSOHWHG
,WHP &RPPHQWV
—
& 6KHOO6HDPVDQG3ODWH
D 2QFRQHXSERWWRPVFORVHO\LQVSHFWDQGJDXJHWKHGHSWKRIPHWDOORVVRQWKHORZHU
PPWRPP LQWRLQ RIWKHVKHOO DUHDRIVWDQGLQJZDWHU 
E 0HDVXUHWKHGHSWKRISLWWLQJRQHDFKFRXUVH
F ,QVSHFWDQGHVWLPDWHWKHDPRXQWRIPHWDOORVVRQWKHKHDGVRIULYHWVDQGEROWV
G ,QVSHFWVKHOOWRERWWRPULYHWHGODSMRLQWV
H ,QVSHFWIRUYHUWLFDOJURRYLQJGDPDJHIURPVHDODVVHPEO\SURWUXVLRQV
I ,QVSHFWH[LVWLQJSURWHFWLYHFRDWLQJVIRUGDPDJHGHWHULRUDWLRQDQGGLVERQGLQJ
J &KHFNIRUDUHDVRIUXEELQJ LQGLFDWLQJWRRPXFKSUHVVXUHE\WKHVHDODVVHPEO\VKRHV
RULQDGHTXDWHDQQXODUVSDFH 
K 9LVXDOO\LQVSHFWWKHVKHOOSODWHVDQGVHDPVIRULQGLFDWLRQVRIOHDNDJH
L ,IWKHVKHOOKDVULYHWHGRUEROWHGVHDPVUHFRUGWKHOHDNORFDWLRQVE\ILOPRUFKDUWLQ
FDVHWKHORFDWLRQVDUHORVWGXULQJVXUIDFHSUHSDUDWLRQIRUSDLQWLQJ
M 0HDVXUHDQQXODUVSDFHDWP IW LQWHUYDOV
N 6XUYH\WKHVKHOOWRFKHFNIRUURXQGQHVVDQGSOXPE
& 6KHOOPRXQWHG2YHUIORZV
D ,QVSHFWRYHUIORZIRUFRUURVLRQDQGDGHTXDWHVFUHHQLQJ
E &KHFNORFDWLRQRIRYHUIORZWKDWLWLVQRWDERYHDQ\WDQNYDOYHVRUHTXLSPHQW
& 5RRI,QWHULRU6XUIDFH
& *HQHUDO
D 9LVXDOO\LQVSHFWWKHXQGHUVLGHVXUIDFHRIWKHURRISODWHVIRUKROHVVFDOHEXLOGXSDQG
SLWWLQJ
E +DPPHUWHVWRUXOWUDVRQLFDOO\H[DPLQHWRFKHFNIRUWKLQDUHDVSDUWLFXODUO\LQWKHYDSRU
VSDFHRIIORDWLQJURRIVDQGDWHGJHRIURRIRQFRQHURRIWDQN
F &KHFNDOOFOLSVEUDFNHWVEUDFHVHWFZHOGHGWRWKHURRIGHFNSODWHIRUZHOGHG
UHLQIRUFLQJSDGVDQGVHHWKDWWKH\KDYHQRWEURNHQIUHH
G ,IQRSDGLVSUHVHQWSHQHWUDQWWHVWIRUFUDFNLQJRIWKHZHOGRUGHFNSODWH
H ,QVSHFWIRUSURWHFWLYHFRDWLQJIRUEUHDNVGLVERQGPHQWDQGGHWHULRUDWLRQ
I 6SDUNWHVWWKHLQWHULRUVXUIDFHFRDWLQJLIUHFRDWLQJLVQRWSODQQHG
& )L[HG5RRI6XSSRUW6WUXFWXUH
D ,QVSHFWWKHVXSSRUWFROXPQVIRUWKLQQLQJLQWKHXSSHUPP IW 
E 2Q$3,FROXPQV WZRFKDQQHOVZHOGHGWRJHWKHU FKHFNIRUFRUURVLRQVFDOHEUHDNLQJ
WKHWDFNZHOGVXQOHVVWKHMRLQWEHWZHHQWKHFKDQQHOVLVFRPSOHWHO\VHDOZHOGHG
F &KHFNWKDWWKHUHLQIRUFLQJSDGRQWKHERWWRPLVVHDOZHOGHGWRWKHWDQNERWWRPZLWK
KRUL]RQWDOPRYHPHQWUHVWUDLQLQJFOLSVZHOGHGWRWKHSDG
G 'HWHUPLQHLISLSHFROXPQVXSSRUWVDUHFRQFUHWHILOOHGRURSHQSLSH,IRSHQSLSHFKHFN
IRUDGUDLQRSHQLQJLQWKHERWWRPRIWKHSLSH
H ,QVSHFWDQGJDXJHUDIWHUVIRUWKLQQLQJSDUWLFXODUO\QHDUWKHFHQWHURIWKHURRI5HSRUW
PHWDOORVV
I &KHFNIRUORRVHRUWZLVWHGUDIWHUV
J ,QVSHFWJLUGHUVIRUWKLQQLQJDQGFKHFNWKDWWKH\DUHDWWDFKHGVHFXUHO\WRWKHWRSRIWKH
FROXPQV
& $3,67$1'$5'

7DEOH&Ͷ7DQN2XWRIVHUYLFH,QVSHFWLRQ&KHFNOLVW &RQWLQXHG
&RPSOHWHG
,WHP &RPPHQWV
—
K 5HSRUWLIWKHFROXPQVKDYHFURVVEUDFLQJLQWKHDUHDEHWZHHQWKHORZSXPSRXWRIWKH
WRSRIWKHVKHOO IRUIXWXUHLQWHUQDOIORDWLQJURRILQVWDOODWLRQ 
L ,QVSHFWDQGUHSRUWSUHVHQFHRIDQ\URRIPRXQWHGVZLQJOLQHEXPSHUV
M 3KRWRJUDSKWKHURRIVWUXFWXUHLIQRUDIWHUOD\RXWGUDZLQJH[LVWV
& )L[HG5RRI$SSXUWHQDQFHV
& ,QVSHFWLRQDQG/LJKW+DWFKHV
D ,QVSHFWWKHKDWFKHVIRUFRUURVLRQSDLQWDQGFRDWLQJIDLOXUHVKROHVDQGFRYHUVHDOLQJ
E 2QORRVHFRYHUVFKHFNIRUDVDIHW\FKDLQLQJRRGFRQGLWLRQ
F 2QOLJKWKDWFKHVRYHUPP LQ DFURVVFKHFNIRUVDIHW\URGV
G ,QVSHFWWKHFRQGLWLRQRIWKHJDVNHWVRQEROGRUODWFKHGGRZQKDWFKFRYHUV
& 6WDJLQJ6XSSRUW&RQQHFWLRQ
,QVSHFWWKHFRQGLWLRQRIWKHVWDJLQJVXSSRUWIRUFRUURVLRQ
& %UHDWKHUVDQG9HQWV
D ,QVSHFWDQGVHUYLFHWKHEUHDWKHU
E ,QVSHFWVFUHHQVRQYHQWVDQGEUHDWKHUV
& (PHUJHQF\39+DWFKHV
D ,QVSHFWDQGVHUYLFHSUHVVXUHYDFXXPKDWFKHV 6HWWLQJVKRXOGEHKLJKHQRXJKWRSUH-
YHQWFKDWWHULQJRIEUHDWKHUGXULQJQRUPDORSHUDWLRQ6HHEUHDWKHUPDQXIDFWXUHU¶V
JXLGH
E ,QVSHFWOLTXLGVHDOKDWFKHVIRUFRUURVLRQDQGSURSHUOLTXLGOHYHOLQWKHVHDO
& 6DPSOH+DWFK
D ,QVSHFWVDPSOHKDWFKIRUFRUURVLRQ
E &KHFNWKDWWKHFRYHURSHUDWHVSURSHUO\
F ,IWKHWDQNKDVQRJDXJHZHOOFKHFNIRUDKROGRIIGLVWDQFHPDUNHUDQGFKHFNPHD-
VXUHPHQW
& )ORDWLQJ5RRI
& 5RRI'HFN
D +DPPHUWHVWWKHDUHDEHWZHHQURRIULPDQGVKHOO ,IDFFHVVIRUKDPPHUWHVWLQJLV
LQDGHTXDWHPHDVXUHWKHGLVWDQFHIURPWKHERWWRPHGJHRIWKHURRIWRWKHFRUURGHG
DUHDDQGWKHQKDPPHUWHVWIURPLQVLGHWKHSRQWRRQ
E ,QVRXUZDWHUVHUYLFHFOHDQDQGWHVWDOOGHFNSODWHZHOGVHDPVIRUFUDFNLQJXQOHVVWKH
ORZHUODSVKDYHEHHQVHDOZHOGHG
F &KHFNWKDWHLWKHUWKHURRIGUDLQLVRSHQRUWKHGUDLQSOXJLQWKHURRILVRSHQLQFDVHRI
XQH[SHFWHGUDLQ
G 2QIODWERWWRPHGDQGFRQHERWWRPURRIGHFNVFKHFNIRUDYDSRUGDPDURXQGWKH
SHULSKHU\RIWKHURRI7KHGDPVKRXOGEHFRQWLQXRXVZLWKRXWEUHDNWRSUHYHQWHVFDSH
RIYDSRUVWRWKHVHDODUHDIURPXQGHUWKHFHQWHURIWKHURRI
& )ORDWLQJ5RRI3RQWRRQV
D 9LVXDOO\LQVSHFWHDFKSRQWRRQIRUOLTXLGOHDNDJH
E 5XQDOLJKWZLUHWKURXJKWKHJRRVHQHFNYHQWVRQORFNHGGRZQLQVSHFWLRQKDWFKFRYHUV
WRPDNHVXUHWKH\DUHRSHQ
F ,QVSHFWORFNGRZQODWFKHVRQHDFKFRYHU
 7$1.,163(&7,215(3$,5$/7(5$7,21$1'5(&216758&7,21 &

7DEOH&Ͷ7DQN2XWRIVHUYLFH,QVSHFWLRQ&KHFNOLVW &RQWLQXHG
&RPSOHWHG
,WHP &RPPHQWV
—
G &KHFNDQGUHSRUWLIHDFKSRQWRRQLV
 YDSRUWLJKW EXONKHDGVHDOZHOGHGRQRQHVLGHRQERWWRPVLGHVDQGWRS 
 OLTXLGWLJKW VHDOZHOGHGRQERWWRPDQGVLGHVRQO\ RU
 XQDFFHSWDEOH PLQLPXPDFFHSWDEOHFRQGLWLRQLVOLTXLGWLJKW 
& )ORDWLQJ5RRI&XWRXWV
D ,QVSHFWXQGHUVLGHRIFXWRXWVIRUPHFKDQLFDOGDPDJH
E ,QVSHFWZHOGVIRUFUDFNV
F ,QVSHFWSODWHIRUWKLQQLQJSLWWLQJDQGHURVLRQ
G 0HDVXUHPL[HUFXWRXWVDQGUHFRUGSODWHWKLFNQHVVIRUIXWXUHPL[HULQVWDOODWLRQRU
UHSODFHPHQW
3ODWHWKLFNQHVVBBBBBB 
& )ORDWLQJ5RRI6XSSRUWV
D ,QVSHFWIL[HGORZDQGUHPRYDEOHKLJKIORDWLQJURRIOHJVIRUWKLQQLQJ
E ,QVSHFWIRUQRWFKLQJDWERWWRPRIOHJVIRUGUDLQDJH
F ,QVSHFWIRUOHJEXFNOLQJRUIHOOLQJDWERWWRP
G ,QVSHFWSLQKROHLQURRIJXLGHIRUWHDUV
H &KHFNSOXPERIDOOOHJV
I ,QVSHFWIRUDGHTXDWHUHLQIRUFLQJJXVVHWVRQDOOOHJVWKURXJKDVLQJOHSRUWLRQRIWKH
URRI
J ,QVSHFWWKHDUHDDURXQGWKHURRIOHJVIRUFUDFNLQJLIWKHUHLVQRLQWHUQDOUHLQIRUFLQJSDG
RULIWKHWRSVLGHSDGLVQRWZHOGHGWRWKHGHFNSODWHRQWKHXQGHUVLGH
K ,QVSHFWWKHVHDOLQJV\VWHPRQWKHWZRSRVLWLRQOHJVDQGWKHYDSRUSOXJVLQWKHIL[HG
ORZOHJIRUGHWHULRUDWLRQRIWKHJDVNHWV
L 2QVKHOOPRXQWHGURRIVXSSRUWVFKHFNIRUDGHTXDWHFOHDUDQFHEDVHGRQWKHPD[L-
PXPIORDWLQJURRIPRYHPHQWDVGHWHUPLQHGE\WKHSRVLWLRQRIWKHURRIUHODWLYHWRWKH
JDXJHZHOODQGRUFRXQWHUURWDWLRQDOGHYLFH
& )ORDWLQJ5RRI6HDO$VVHPEOLHV
& 3ULPDU\6KRH$VVHPEO\
D 5HPRYHIRXUVHFWLRQVRIIRDPORJ IRDPILOOHGVHDOV IRULQVSHFWLRQRQƒORFDWLRQV
E ,QVSHFWKDQJHUDWWDFKPHQWWRURRIULPIRUWKLQQLQJEHQGLQJEURNHQZHOGVDQGZHDU
RISLQKROHV
F ,QVSHFWFOLSVZHOGHGWRURRIULPIRUWKLQQLQJ
G 6KRHV²LQVSHFWIRUWKLQQLQJDQGKROHVLQVKRHV
H ,QVSHFWIRUELWPHWDOEROWVFOLSVDQGDWWDFKPHQWV
I 6HDOIDEULF²LQVSHFWIRUGHWHULRUDWLRQVWLIIHQLQJKROHVDQGWHDUVLQIDEULF
J 0HDVXUHOHQJWKRIIDEULFIURPWRSRIVKRHWRURRIULPDQGFKHFNDJDLQVWPD[LPXP
DQWLFLSDWHGDQQXODUVSDFHDVURRIRSHUDWHV
K ,QVSHFWDQ\PRGLILFDWLRQRIVKRHVRYHUVKHOOQR]]OHVPL[HUVHWFIRUFOHDUDQFH
L ,QVSHFWVKRHVIRUGDPDJHFDXVHGE\VWULNLQJVKHOOQR]]OHVPL[HUVHWF
& 3ULPDU\7RURLGDO$VVHPEO\
D ,QVSHFWVHDOIDEULFIRUZHDUGHWHULRUDWLRQKROHVDQG WHDUV
& $3,67$1'$5'

7DEOH&Ͷ7DQN2XWRIVHUYLFH,QVSHFWLRQ&KHFNOLVW &RQWLQXHG
&RPSOHWHG
,WHP &RPPHQWV
—
E ,QVSHFWKROGGRZQV\VWHPIRUEXFNOLQJRUEHQGLQJ
F ,QVSHFWIRDPIRUOLTXLGDEVRUSWLRQDQGGHWHULRUDWLRQ
& 5LPPRXQWHG6HFRQGDULHV
D ,QVSHFWWKHULPPRXQWHGEROWLQJEDUIRUFRUURVLRQDQGEURNHQZHOGV
E 0HDVXUHDQGFKDUWVHDOWRVKHOOJDSV
F 9LVXDOO\LQVSHFWVHDPIURPEHORZORRNLQJIRUKROHVDVHYLGHQFHGE\OLJKW
G ,QVSHFWIDEULFIRUGHWHULRUDWLRQDQGVWLIIQHVV
H ,QVSHFWIRUPHFKDQLFDOGDPDJHFRUURVLRQDQGZHDURQWLSLQFRQWDFWZLWKVKHOO
I ,QVSHFWIRUFRQWDFWZLWKREVWUXFWLRQVDERYHWRSRIVKHOO
& )ORDWLQJ5RRI$SSXUWHQDQFHV
& 5RRI0DQZD\V
D ,QVSHFWZDOOVRIPDQZD\VIRUSLWWLQJDQGWKLQQLQJ
E 2QWDQNVZLWKLQWHUIDFHDXWRJDXJHVFKHFNVHDODURXQGJDXJHWDSHFDEOHDQGJXLGH
ZLUHVWKURXJKPDQZD\FRYHU
F ,QVSHFWFRYHUJDVNHWDQGEROWV
& 5LP9HQW
D &KHFNULPYHQWIRUSLWWLQJDQGKROHV
E &KHFNYHQWIRUFRQGLWLRQRIVFUHHQ
F 2QIORDWLQJURRIWDQNVZKHUHWKHHQYLURQPHQWDOUXOHVUHTXLUHFORVLQJRIIWKHYHQW
FKHFNWKHYHQWSLSHIRUFRUURVLRQDWWKHSLSHWRULPMRLQWDQGFKHFNWKDWWKHEOLQGLQJLV
DGHTXDWH
& 9DFXXP%UHDNHU%UHDWKHU7\SH
D 6HUYLFHDQGFKHFNRSHUDWLRQRIEUHDWKHUYDOYH

E &KHFNWKDWQR]]OHSLSHSURMHFWVQRPRUHWKDQLQEHORZURRIGHFN
& 9DFXXP%UHDNHU0HFKDQLFDO7\SH
,QVSHFWWKHVWHPIRUWKLQQLQJ0HDVXUHKRZIDUWKHYDFXXPEUHDNHUFRYHULVUDLVHGRIIWKH
SLSHZKHQWKHURRILVUHVWLQJRQKLJKRUORZOHJV
D 2QKLJKOHJVBBBBBBBBB 
E 2QORZOHJVBBBBBBBBB 
& 5RRI'UDLQV2SHQ6\VWHPV,QFOXGLQJ(PHUJHQF\'UDLQV
D &KHFNOLTXLGOHYHOLQVLGHRSHQURRIGUDLQVIRUDGHTXDWHIUHHERDUG5HSRUWLIWKHUHLV
LQVXIILFLHQWGLVWDQFHEHWZHHQOLTXLGOHYHODQGWRSRIGUDLQ
E ,IWDQNFRPHVXQGHU$LU4XDOLW\0RQLWRULQJ'LVWULFWUXOHVLQVSHFWWKHURRIGUDLQYDSRU
SOXJ
F ,IHPHUJHQF\GUDLQLVQRWDWWKHFHQWHURIWKHURRIFKHFNWKDWWKHUHDUHDWOHDVWWKUHH
HPHUJHQF\GUDLQV
& &ORVHG'UDLQ6\VWHPV'UDLQ%DVLQV
D ,QVSHFWIRUWKLQQLQJDQGSLWWLQJ
E ,QVSHFWSURWHFWLYHFRDWLQJ WRSVLGH 
F ,QVSHFWEDVLQFRYHURUVFUHHQIRUFRUURVLRQ
G 7HVWRSHUDWLRQRIFKHFNYDOYH
 7$1.,163(&7,215(3$,5$/7(5$7,21$1'5(&216758&7,21 &

7DEOH&Ͷ7DQN2XWRIVHUYLFH,QVSHFWLRQ&KHFNOLVW &RQWLQXHG
&RPSOHWHG
,WHP &RPPHQWV
—
H &KHFNIRUSUHVHQFHRIFKHFNYDOYHZKHUHERWWRPRIEDVLQLVEHORZSURGXFWOHYHO
I ,QVSHFWGUDLQEDVLQ V WRURRIGHFNZHOGVIRUFUDFNLQJ
J  &KHFNGUDLQEDVLQ V RXWOHWSLSHIRUDGHTXDWHUHLQIRUFHPHQWWRURRIGHFN LQFOXGLQJ
UHLQIRUFLQJSDG 
& &ORVHG'UDLQ6\VWHPV)L[HG'UDLQ/LQHRQ7DQN%RWWRP
D +DPPHUWHVWIL[HGGUDLQOLQHRQWDQNERWWRPIRUWKLQQLQJDQGVFDOHGHEULVSOXJJLQJ
E ,QVSHFWVXSSRUWVDQGUHLQIRUFLQJSDGVIRUZHOGIDLOXUHVDQGFRUURVLRQ
F &KHFNWKDWSLSHLVJXLGHGQRWULJLGO\ORFNHGWRVXSSRUWWRDYRLGWHDULQJRIWDQNERWWRP
SODWH
& &ORVHG'UDLQ6\VWHPV)OH[LEOH3LSH'UDLQ
D ,QVSHFWIRUGDPDJHWRH[WHULRURISLSH
E &KHFNIRUREVWUXFWLRQVWKDWSLSHFRXOGFDWFKRQ
F ,QVSHFWVKLHOGVWRSURWHFWSLSHIURPVQDJJLQJ
G ,QVSHFWUHVXOWVRIK\GURVWDWLFWHVWRQIOH[LEOHURRIGUDLQV\VWHP
& &ORVHG'UDLQ6\VWHPV$UWLFXODWHG-RLQW'UDLQ
D +DPPHUWHVWULJLGSLSHLQIOH[LEOHMRLQWV\VWHPVIRUWKLQQLQJDQGVFDOHGHEULVSOXJJLQJ
E ,QVSHFWV\VWHPIRUVLJQVRIEHQGLQJRUVWUDLQ
F ,QVSHFWUHVXOWVRIV\VWHPK\GURVWDWLFWHVW
G ,QVSHFWODQGLQJOHJDQGSDG
& $XWRJDXJH6\VWHPDQG$ODUPV
D &KHFNIUHHGRPRIPRYHPHQWRIWDSHWKURXJKDXWRJDXJHWDSHJXLGH
E ,QVSHFWVKHDYHVIRUIUHHGRPRIPRYHPHQW
F 7HVWRSHUDWLRQFKHFNHU
G ,QVSHFWWDSHDQGWDSHFDEOHIRUWZLVWLQJDQGIUD\LQJ
H 7HVWWKHWDSH¶VIUHHGRPRIPRYHPHQWWKURXJKJXLGHVKHDYHVDQGWDSHJXLGHSLSH
I 2QRSHQWRSWDQNVFKHFNWKDWJDWHWDSHVZLWKFDEOHVKDYH QRPRUHWKDQRQHIRRWRI
WDSHH[SRVHGZLWKIORDWDWORZHVWSRLQW
J &KHFNIORDWIRUOHDNDJH
K 7HVWIORDWJXLGHZLUHDQFKRUVIRUVSULQJDFWLRQE\SXOOLQJRQZLUHDQGUHOHDVLQJ
L ,QVSHFWIORDWZHOOVLQIORDWLQJURRIVIRUWKLQQLQJDQGSLWWLQJRIZDOOVMXVWDERYHWKHOLTXLG
OHYHO
M &KHFNWKDWWKHDXWRJDXJHWDSHLVILUPO\DWWDFKHGWRWKH IORDW
N ,QVSHFWWKHWDSHFDEOHDQGIORDWJXLGHZLUHIDEULFVHDOVWKURXJKWKHIORDWZHOOFRYHU
O ,QVSHFWWKHERWWRPJXLGHZLUHDWWDFKPHQWFOLSLQVSHFWIRUDWHPSRUDU\ZHLJKWHGEDU
LQVWHDGRIDSHUPDQHQWZHOGHGGRZQFOLS
P ,QVSHFWERDUGW\SHDXWRJDXJHLQGLFDWRUVIRUOHJLELOLW\DQGIUHHGRPRIPRYHPHQWRI
LQGLFDWRU
Q 0HDVXUHDQGUHFRUGWKHVHGLVWDQFHVWRGHWHUPLQHLIVHDOGDPDJHZLOORFFXULIWDQNLV
UXQRYHUIURP
 6KHOOWRSDQJOHWRXQGHUVLGHRIWDSHJXLGHV\VWHP
 /LTXLGOHYHORQIORDWLQJWRSWRWRSRIVHFRQGDU\VHDO
& $3,67$1'$5'

7DEOH&Ͷ7DQN2XWRIVHUYLFH,QVSHFWLRQ&KHFNOLVW &RQWLQXHG
&RPSOHWHG
,WHP &RPPHQWV
—
R ,GHQWLI\IORDWLQJURRIVZKHUHWKHWDSHLVFRQQHFWHGGLUHFWO\WRWKHURRI
S 2YHUILOODODUP,QVSHFWWDQNRYHUILOOSUHYHQWLRQDODUPVZLWFKHVIRUSURSHURSHUDWLRQ
& &RPPRQ7DQN$SSXUWHQDQFHV
& *DXJH:HOO
D ,QVSHFWJDWHZHOOSLSHIRUWKLQQLQJDWDERXWWZRWKLUGVGLVWDQFHDERYHWKHERWWRPORRN
IRUWKLQQLQJDWWKHHGJHRIWKHVORWV
E &KHFNIRUFRUURVLRQRQWKHSLSHMRLQW&KHFNWKDWVDPSOHFRUGVZHLJKWV
WKHUPRPHWHUVHWFKDYHEHHQUHPRYHGIURPWKHSLSH
F &KHFNIRUFRQHDWERWWRPHQGRISLSHDERXWRQHIRRWDERYHWKHERWWRP
G &KHFNFRQGLWLRQRIZHOOZDVKHUSLSHDQGWKDWLWVIODUHGHQGLVGLUHFWHGDWWKHQHDUVLGH
RIWKHKROGRIISDG
H &KHFNWKDWVXSSRUWVIRUJDXJHZHOODUHZHOGHGWRSDGRUWRVKHOODQGQRWGLUHFWO\WR
ERWWRPSODWH
I &KHFNRSHUDWLRQRIJDXJHZHOOFRYHU
J &KHFNSUHVHQFHRIDKROGRIIGLVWDQFHPDUNHULQZHOOSLSHDQGUHFRUGKROGRII
GLVWDQFH
+ROGRIIGLVWDQFHBBBBBBBBB 
K ,GHQWLI\DQGUHSRUWVL]HDQGSLSHVFKHGXOHDQGZKHWKHUSLSHLVVROLGRUVORWWHG5HSRUW
VORWVL]H
L &KHFNWKDWWKHKROGRIIGLVWDQFHSODWHLVVHDOZHOGHGWRWKHERWWRPDQGWKDWDQ\JDXJH
ZHOOVXSSRUWVDUHZHOGHGWRWKHSODWHDQGQRWGLUHFWO\WRWKHERWWRP
M ,QVSHFWYDSRUFRQWUROIORDWDQGFDEOH
N &KHFNIRUSUHVHQFHDQGFRQGLWLRQRIJDXJHZHOOZDVKHU
O &KHFNIRUEXOOSOXJRUSODWHEOLQGRQJDXJHZHOOZDVKHUYDOYH
P ,QVSHFWJDXJHZHOOJXLGHLQIORDWLQJURRIIRUSLWWLQJDQGWKLQQLQJ
Q ,QVSHFWWKHJXLGHUROOHUVDQGVOLGLQJSODWHVIRUIUHHGRPRIPRYHPHQW
R ,QVSHFWFRQGLWLRQRIJDXJHZHOOSLSHVHDOV\VWHP
S 2QEODFNRLODQGGLHVHOVHUYLFHVLIJDXJHZHOOLVDOVRXVHGIRUVDPSOLQJFKHFNIRU
SUHVHQFHRIDWKLHIDQGJDXJHW\SHKDWFKWRDYRLGVSLOODJH
T 9LVXDOO\LQVSHFWLQVLGHRISLSHIRUSLSHZHOGSURWUXVLRQVZKLFKFRXOGFDWFKRUGDPDJH
YDSRUFRQWUROIORDW
& 6DPSOLQJ6\VWHPV5RRI6DPSOH+DWFKHV
D ,QVSHFWURRIPRXQWHGVDPSOHKDWFKHVIRUUHLQIRUFLQJSDGVDQGFUDFNLQJ
E ,QVSHFWFRYHUIRURSHUDWLRQ
F )RUWDQNVFRPSO\LQJZLWK$LU4XDOLW\0RQLWRULQJ'LVWULFWUXOHVLQVSHFWVDPSOHKDWFK
FRYHUVIRUDGHTXDWHVHDOLQJ
G &KHFNKRUL]RQWDODOLJQPHQWRILQWHUQDOIORDWLQJURRIVDPSOHKDWFKHVXQGHUIL[HGURRI
KDWFKHV
H ,QVSHFWWKHVHDOLQJV\VWHPRQWKHLQWHUQDOIORDWLQJURRIVDPSOHKDWFKFRYHU
I ,QVSHFWIORDWLQJURRIVDPSOHKDWFKFRYHUUHFRLOUHHODQGURSH
& 6KHOO1R]]OHV
D ,QVSHFWVKHOOQR]]OHVIRUWKLQQLQJDQGSLWWLQJ
E ,QVSHFWKRWWDSQR]]OHVIRUWULPPLQJRIKROHV
 7$1.,163(&7,215(3$,5$/7(5$7,21$1'5(&216758&7,21 &

7DEOH&Ͷ7DQN2XWRIVHUYLFH,QVSHFWLRQ&KHFNOLVW &RQWLQXHG
&RPSOHWHG
,WHP &RPPHQWV
—
F ,GHQWLI\W\SHRIVKHOOQR]]OHV
G ,GHQWLI\DQGGHVFULEHLQWHUQDOSLSLQJLQFOXGLQJHOERZXSDQGHOERZGRZQW\SHV
& )RU1R]]OHV([WHQGHG,QWRWKH7DQN
D ,QVSHFWSLSHVXSSRUWSDGVZHOGHGWRWDQNERWWRP
E ,QVSHFWWRVHHWKDWSLSHLVIUHHWRPRYHDORQJVXSSRUWZLWKRXWVWUDLQRUWHDULQJDFWLRQ
RQERWWRPSODWH
F ,QVSHFWQR]]OHYDOYHVIRUSDFNLQJOHDNVDQGGDPDJHGIODQJHIDFHV
G ,QVSHFWKHDWHUVWUHDPQR]]OHIODQJHVDQGYDOYHVIRUZLUHFXWWLQJ
H 5HSRUWZKLFKQR]]OHVKDYHWKHUPDOSUHVVXUHUHOLHIERVVHVDQGYDOYHV
I ,QLQWHUQDOHOERZGRZQILOOOLQHQR]]OHVLQVSHFWWKHZHDUSODWHRQWKHWDQNERWWRP
J 2QHOERZXSILOOOLQHVLQIORDWLQJURRIWDQNVFKHFNWKDWRSHQLQJLVGLUHFWHGDJDLQVW
XQGHUVLGHRIURRIQRWDJDLQVWYDSRUVSDFH,QVSHFWLPSDFWDUHIRUHURVLRQ
& 'LIIXVHUVDQG$LU5ROOLQJ6\VWHPV
D ,QVSHFWGLIIXVHUSLSHIRUHURVLRQDQGWKLQQLQJ
E &KHFNKROHVLQGLIIXVHUIRUH[FHVVLYHZHDUDQGHQODUJHPHQW
F ,QVSHFWGLIIXVHUVXSSRUWVIRUGDPDJHDQGFRUURVLRQ
G &KHFNWKDWGLIIXVHUVXSSRUWVUHVWUDLQQRWDQFKRUORQJLWXGLQDOOLQHPRYHPHQW
H ,QVSHFWDLUVSLGHUVRQERWWRPRIOXEHRLOWDQNVIRUSOXJJLQJDQGGDPDJHGRUEURNHQ
WKUHDGHGMRLQWV
& 6ZLQJ/LQHV
D ,QVSHFWIOH[LEOHMRLQWIRUFUDFNVDQGOHDNV
E 6FULEHWKHIOH[LEOHMRLQWDFURVVWKHWZRPRYLQJIDFHVDQGUDLVHHQGRIVZLQJOLQHWR
FKHFNWKHMRLQW¶VIUHHGRPRIPRYHPHQWLQGLFDWHGE\VHSDUDWLRQRIVFULEHPDUNV
F &KHFNWKDWIOH[LEOHMRLQWVRYHUPP LQ DUHVXSSRUWHG
G ,QVSHFWWKHVZLQJSLSHIRUGHHSSLWWLQJDQGZHOGFRUURVLRQ
H /RRVHQWKHYHQWSOXJVLQWKHSRQWRRQVDQGOLVWHQIRUDYDFXXP/DFNRIDYDFXXP
LQGLFDWHVDOHDNLQJSRQWRRQ
I &KHFNWKHUHVXOWVRIDLUWHVWRQSRQWRRQVGXULQJUHSDLUV
J ,QVSHFWWKHSRQWRRQVIRUSLWWLQJ
K ,QVSHFWWKHSXOOGRZQFDEOHFRQQHFWLRQVWRWKHVZLQJ
L ,QVSHFWWKHFRQGLWLRQRIWKHERWWRPPRXQWHGVXSSRUWIL[HGURRIOLPLWLQJEXPSHURU
VKHOOPRXQWHGOLPLWLQJEXPSHUIRUZRRGFRQGLWLRQZHOGDQGEROWFRUURVLRQDQGVHDO
ZHOGLQJWRERWWRPRUVKHOO
M ,QVSHFWVDIHW\KROGGRZQFKDLQIRUFRUURVLRQDQGZHDNOLQNV
N &KHFNWKDWWKHUHLVDZHOGHGUHLQIRUFLQJSDGZKHUHWKHFKDLQFRQQHFWVWRWKHERWWRP
O ,IWKHIORDWLQJVZLQJLQDIORDWLQJRULQWHUQDOIORDWLQJURRIWDQNGRHVQRWKDYHDOLPLWLQJ
GHYLFHSUHYHQWLQJWKHVZLQJIURPH[FHHGLQJGHJUHHVPHDVXUHDQGFDOFXODWHWKH
PD[LPXPDQJOHSRVVLEOHZLWKWKHURRIRQRYHUIORZ
0D[DQJOHRQRYHUIORZBBBBBBBBBBBBB 
,IWKHFDOFXODWHGDQJOHH[FHHGVGHJUHHVUHFRPPHQGHGLQVWDOODWLRQRIDOLPLWLQJ
EUDFNHW
P ,QVSHFWSXOOGRZQFDEOHIRUIUD\LQJ
& $3,67$1'$5'

7DEOH&Ͷ7DQN2XWRIVHUYLFH,QVSHFWLRQ&KHFNOLVW &RQWLQXHG
&RPSOHWHG
,WHP &RPPHQWV
—
Q ,QVSHFWIRUWKUHHFDEOHFODPSVZKHUHFDEOHDWWDFKHVWRHQGRIVZLQJOLQH VLQJOH
UHHYHG RUWRURRIDVVHPEO\ GRXEOHUHHYHG ,QVSHFWVKHDYHVIRUIUHHGRPRIPRYH-
PHQW
R ,QVSHFWZLQFKRSHUDWLRQDQGFKHFNWKHKHLJKWLQGLFDWRUIRUOHJLELOLW\DQGDFFXUDF\
S ,QVSHFWERWWRPPRXQWHGVKHDYHDVVHPEO\DWHQGRISRQWRRQIRUIUHHGRPRIURWDWLRQ
RIVKHDYH
T ,QVSHFWVKHOOPRXQWHGORZHUVKHDYHDVVHPEO\IRUIUHHGRPRIURWDWLRQRIVKHDYH
FRUURVLRQWKLQQLQJDQGSLWWLQJRIVKHDYHKRXVLQJ
U ,QVSHFWXSSHUVKHDYHDVVHPEO\IRUIUHHGRPRIPRYHPHQWRIVKHDYH
V ,QVSHFWWKHFDEOHFRXQWHUEDODQFHDVVHPEO\IRUFRUURVLRQDQGIUHHGRPRIRSHUDWLRQ
& 0DQZD\+HDWHU5DFNV
D ,QVSHFWWKHPDQZD\KHDWHUUDFNVIRUEURNHQZHOGVDQGEHQGLQJRIWKHVOLGLQJUDLOV
E 0HDVXUHDQGUHFRUGWKHOHQJWKRIWKHKHDWHUDQGOHQJWKRIWKHWUDFN
& 0L[HU:HDU3ODWHVDQG'HIOHFWRU6WDQGV
D ,QVSHFWERWWRPDQGVKHOOSODWHVDQGGHIOHFWRUVWDQGV
E ,QVSHFWIRUHURVLRQDQGFRUURVLRQRQWKHZHDUSODWHV,QVSHFWIRUULJLGLW\VWUXFWXUDO
VRXQGQHVVFRUURVLRQDQGHURVLRQRIGHFNSODWHVDQGUHLQIRUFLQJSDGVWKDWDUHVHDO
ZHOGHGWRWKHERWWRPXQGHUWKHGHIOHFWRUVWDQGOHJV
F 0HDVXUHIRUSURSHOOHUFOHDUDQFHEHWZHHQWKHERWWRPRIGHIOHFWRUVWDQGDQGURRIZKHQ
WKHURRILVRQORZOHJV
& $FFHVV6WUXFWXUHV
& +DQGUDLOV
D ,GHQWLI\DQGUHSRUWW\SH VWHHOSLSHJDOYDQL]HGSLSHVTXDUHWXEHDQJOH DQGVL]HRI
KDQGUDLOV
E ,QVSHFWIRUSLWWLQJDQGKROHVSDLQWIDLOXUH
F ,QVSHFWDWWDFKPHQWZHOGV
G ,GHQWLI\FROGMRLQWVDQGVKDUSHGJHV,QVSHFWWKHKDQGUDLOVDQGPLGUDLOV
H ,QVSHFWVDIHW\GURSEDU RUVDIHW\FKDLQ IRUFRUURVLRQIXQFWLRQLQJDQGOHQJWK
I ,QVSHFWWKHKDQGUDLOEHWZHHQWKHUROOLQJODGGHUDQGWKHJDJLQJSODWIRUPIRUD
KD]DUGRXVRSHQLQJZKHQWKHIORDWLQJURRILVDWLWVORZHVWOHYHO
& 3ODWIRUP)UDPH
D ,QVSHFWIUDPHIRUFRUURVLRQDQGSDLQWIDLOXUH
E ,QVSHFWWKHDWWDFKPHQWRIIUDPHWRVXSSRUWVDQGVXSSRUWVWRWDQNIRUFRUURVLRQDQG
ZHOGIDLOXUH
F &KHFNUHLQIRUFLQJSDGVZKHUHVXSSRUWVDUHDWWDFKHGWRVKHOORUURRI
G ,QVSHFWWKHVXUIDFHWKDWGHFNSODWHRUJUDWLQJUHVWVRQIRUWKLQQLQJDQGKROHV
H &KHFNWKDWIODWVXUIDFHWRIODWVXUIDFHMXQFWXUHVDUHVHDOZHOGHG
& 'HFN3ODWHDQG*UDWLQJ
D ,QVSHFWGHFNSODWHIRUFRUURVLRQFDXVHGWKLQQLQJRUKROHV QRWGUDLQKROHV DQGSDLQW
IDLOXUH
E ,QVSHFWSODWHWRIUDPHZHOGIRUUXVWVFDOHEXLOGXS
F ,QVSHFWJUDWLQJIRUFRUURVLRQFDXVHGWKLQQLQJRIEDUVDQGIDLOXUHRIZHOGV
 7$1.,163(&7,215(3$,5$/7(5$7,21$1'5(&216758&7,21 &

7DEOH&Ͷ7DQN2XWRIVHUYLFH,QVSHFWLRQ&KHFNOLVW &RQWLQXHG
&RPSOHWHG
,WHP &RPPHQWV
—
G &KHFNJUDWLQJWLHGRZQFOLSV:KHUHJUDWLQJKDVEHHQUHWURILWWHGWRUHSODFHSODWH
PHDVXUHWKHULVHRIWKHVWHSEHORZDQGDERYHWKHJUDWLQJVXUIDFHDQGFRPSDUHZLWK
RWKHUULVHUVRQWKHVWDLUZD\
& 6WDLUZD\6WULQJHUV
D ,QVSHFWVSLUDOVWDLUZD\VWULQJHUVIRUFRUURVLRQSDLQWIDLOXUHDQGZHOGIDLOXUH,QVSHFW
DWWDFKPHQWRIVWDLUZD\WUHDGVWRVWULQJHU
E ,QVSHFWVWDLUZD\VXSSRUWVWRVKHOOZHOGVDQGUHLQIRUFLQJSDGV
F ,QVSHFWVWHHOVXSSRUWDWWDFKPHQWWRFRQFUHWHEDVHIRUFRUURVLRQ
& 5ROOLQJ/DGGHU
D ,QVSHFWUROOLQJODGGHUVWULQJHUVIRUFRUURVLRQ
E ,GHQWLI\DQGLQVSHFWODGGHUIL[HGUXQJV VTXDUHEDUURXQGEDUDQJOHV IRUZHOG
DWWDFKPHQWWRVWULQJHUVDQGFRUURVLRQSDUWLFXODUO\ZKHUHDQJOHUXQJVDUHZHOGHGWR
VWULQJHUV
F &KHFNIRUZHDUDQGFRUURVLRQZKHUHUROOLQJODGGHUDWWDFKHVWRJDJLQJSODWIRUP
G ,QVSHFWSLYRWEDUIRUZHDUDQGVHFXUHQHVV
H ,QVSHFWRSHUDWLRQRIVHOIOHYHOLQJVWDLUZD\WUHDGV
I ,QVSHFWIRUFRUURVLRQDQGZHDURQPRYLQJSDUWV
J ,QVSHFWUROOLQJODGGHUZKHHOVIRUIUHHGRPRIPRYHPHQWIODWVSRWVDQGZHDURQD[OH
K ,QVSHFWDOLJQPHQWRIUROOLQJODGGHUZLWKURRIUDFN
L ,QVSHFWWRSVXUIDFHRIUROOLQJODGGHUWUDFNIRUZHDUE\ZKHHOVWRDVVXUHDWOHDVWLQ
RIXQZRUQWUDFN WUDFNORQJHQRXJK 
M ,QVSHFWUROOLQJODGGHUWUDFNZHOGVIRUFRUURVLRQ
N ,QVSHFWWUDFNVXSSRUWVRQURRIIRUUHLQIRUFLQJSDGVVHDOZHOGHGWRGHFNSODWH
O &KHFNE\GLPHQVLRQLQJWKHPD[LPXPDQJOHRIWKHUROOLQJODGGHUZKHQWKHURRILVRQ
ORZOHJV
0D[DQJOHBBBBBBBBBBBB 
P ,IUROOLQJODGGHUWUDFNH[WHQGVWRZLWKLQIWRIWKHHGJHRIWKHURRIRQWKHIDUVLGHFKHFN
IRUDKDQGUDLORQWKH WRSRIWKHVKHOORQWKDWVLGH
127(6