Alliance Bank Cash Management eGuide

:HOFRPH WR &DVK 0DQDJHPHQW

$ 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 ³FXVWRPHU ¿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 3OHDVH XVH WKLV JXLGH DV D TXLFN UHIHUHQFH RU DQ LQ GHSWK LQVLJKW WR WKH ZD\V RI &DVK 0DQDJHPHQW DQG WKH PDQ\ RSWLRQV LW SURYLGHV

7KDQN \RX

'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 WKLV ¿QDQFLDO LQVWLWXWLRQ 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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

7DEOH RI &RQWHQWV

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

$&+ 3URFHVVLQJ ,PSRUW $&+ 'DWD ,QLWLDWH %DWFK $SSURYH 9LHZ $&+ $FWLYLW\ 9LHZ $&+ $FWLYLW\ :LUH 6HQG $&+ )LOH :LUH 7UDQVIHU 2YHUYLHZ 0DLQWDLQ :LUH 7HPSODWH 0DLQWDLQ :LUH 7HPSODWH *URXS ,QLWLDWH :LUH 7HPSODWH ,QLWLDWH :LUH 7HPSODWH *URXS ,QLWLDWH )UHHIRUP $SSURYH 9LHZ :LUH $FWLYLW\ 9LHZ :LUH $FWLYLW\ 2QOLQH 5HTXHVWV &KHFN 5HRUGHU 2QOLQH 6WDWHPHQWV

$FFRXQW 7UDQVIHU 8SGDWH 7UDQVIHU

$&+

$&+ 2YHUYLHZ 0DLQWDLQ %DWFK 7HPSODWHV 0DLQWDLQ 3DUWLFLSDQW $VVLJQ 3DUWLFLSDQWV WR %DWFK

DOOLDQFHEDQN FRP

%HVW 3UDFWLFHV IRU %XVLQHVV %DQNLQJ 2QOLQH $FFRXQW 5HYLHZ ! 5HFRQFLOH EDQNLQJ WUDQVDFWLRQV RQ D GDLO\ EDVLV ! ,PPHGLDWHO\ UHSRUW VXVSLFLRXV WUDQVDFWLRQV WR $OOLDQFH %DQN E\ FDOOLQJ 6HSDUDWLRQ RI 'XWLHV ! 8WLOL]H VHSDUDWLRQ RI GXWLHV ZKHQ LQLWLDWLQJ $&+ DQG RU ZLUH WUDQVIHUV 2QH SHUVRQ RULJLQDWHV WKH WUDQVDFWLRQ RQ RQH FRPSXWHU DQG DQRWKHU SHUVRQ DSSURYHV WKH WUDQVDFWLRQ RQ DQRWKHU FRPSXWHU +DUGZDUH 3& 6HFXULW\ ! ,QVWDOO DQWL YLUXV VRIWZDUH RQ DOO FRPSXWHU V\VWHPV +RZHYHU VWD\ DZD\ IURP ³)UHH YHUVLRQV´ RI DQWL YLUXV SURJUDPV VLQFH WKH\ GR QRW SURYLGH ³UHDO WLPH´ SURWHFWLRQV ! ,QVWDOO DQWL VS\ZDUH DQWL PDOZDUH VRIWZDUH ! (QVXUH WKDW FRPSXWHUV DUH SDWFKHG UHJXODUO\ SDUWLFXODUO\ RSHUDWLQJ V\VWHPV DQG NH\ DSSOLFDWLRQV ! ,QVWDOO D ILUHZDOO WR KHOS OLPLW XQDXWKRUL]HG DFFHVV WR WKH QHWZRUN DQG RU FRPSXWHU ! &KDQJH WKH GHIDXOW ORJLQ SDVVZRUGV RQ DOO QHWZRUN GHYLFHV ! /LPLW DGPLQLVWUDWLYH ULJKWV RQ XVHUV¶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

$OOLDQFH %DQN 2QOLQH %DQNLQJ %LOO 3D\

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

DOOLDQFHEDQN FRP

$GGLWLRQDO ,QIRUPDWLRQ RQ ,QIRUPDWLRQ 6HFXULW\ 1DYLJDWH \RXU EURZVHU WR WKH OLQN OLVWHG EHORZ 7KLV JXLGH ZDV SXEOLVKHG E\ WKH 1DWLRQDO ,QVWLWXWH RI 6WDQGDUGV DQG 7HFKQRORJ\ 1,67 7KH JXLGH LGHQWLILHV UHFRPPHQG SUDFWLFHV WR LPSURYH LQIRUPDWLRQ VHFXULW\ LQ VPDOO EXVLQHVVHV

6PDOO %XVLQHVV ,QIRUPDWLRQ 6HFXULW\ KWWS FVUF QLVW JRY SXEOLFDWLRQV QLVWLU LU

QLVWLU

SGI

',6&/$,0(5 7KLV GRFXPHQW LV IRU LQIRUPDWLRQDO SXUSRVHV LQ RUGHU WR SURPRWH FXVWRPHU DZDUHQHVV RI VDIH RQOLQH EDQNLQJ SUDFWLFHV DQG LV QRW LQWHQGHG WR SURYLGH OHJDO DGYLFH 7KH EHVW SUDFWLFHV LQFOXGHG ZLWKLQ WKLV GRFXPHQW DUH QRW DQ H[KDXVWLYH OLVW RI DFWLRQV DV VHFXULW\ WKUHDWV FKDQJH FRQVWDQWO\ 5LVN DVVHVVPHQWV VKRXOG EH GRQH UHJXODUO\ WR DGGUHVV WKH FKDQJLQJ F\EHU WKUHDW ODQGVFDSH

$OOLDQFH %DQN 2QOLQH %DQNLQJ %LOO 3D\

*HWWLQJ 6WDUWHG /RJJLQJ ,Q 7R JHW VWDUWHG ZLWK 2QOLQH %DQNLQJ VLPSO\ RSHQ \RXU ZHE EURZVHU DQG HQWHU DOOLDQFHEDQN FRP LQ WKH DGGUHVV EDU &RPSDWLEOH EURZVHUV LQFOXGH ,QWHUQHW ([SORUHU Š DQG &KURPH Œ 6DIDUL Š RU )LUHIR[ Š

)URP WKH KRPH VFUHHQ FOLFN &DVK 0DQDJHPHQW DQG WKHQ /RJLQ 1H[W HQWHU \RXU &RPSDQ\ ,' 8VHU ,' DQG 8VHU 3DVVZRUG &OLFN /RJ ,Q ,I \RX DUH ORJJLQJ LQ IURP D FRPSXWHU XQNQRZQ WR XV \RX ZLOO EH SUHVHQWHG ZLWK WKLV VFUHHQ VR WKDW \RX FDQ DFFHVV \RXU DFFRXQWV XVLQJ D RQH WLPH SDVVFRGH &OLFN RQ WKH GHVWLQDWLRQ WR UHFHLYH WKLV FRGH 5HWULHYH WKH RQH WLPH SDVVFRGH IURP WKH GHVWLQDWLRQ \RX FKRVH LQ WKH ¿HOG SURYLGHG 7KLV FRGH LV RQO\ JRRG IRU PLQXWHV RU XQWLO \RXU VHVVLRQ WLPHV RXW ZKLFKHYHU FRPHV ¿UVW &KRRVH ZKHWKHU WR DGG VHFXULW\ WR WKH FRPSXWHU IURP ZKLFK \RX DUH ORJJLQJ LQ ,I \RX FKRRVH WR E\SDVV WKH VHFXULW\ \RX ZLOO EH UHTXLUHG WR XVH D RQH WLPH SDVVFRGH WKH QH[W WLPH \RX ORJ LQ IURP WKLV FRPSXWHU

1RWH $V D VHFXULW\ PHDVXUH LI \RX DUH WKH DGPLQLVWUDWRU DWWHPSWLQJ WR JDLQ DFFHVV WR \RXU DFFRXQW DQG XVH DQ LQFRUUHFW ,' DQG RU 3DVVZRUG VHYHUDO WLPHV LQ D URZ \RXU DFFRXQW ZLOO EH ORFNHG IURP DFFHVV ,I WKLV RFFXUV FRQWDFW XV WR UHVHW \RXU ,' DQG RU 3DVVZRUG IRU UH HQWU\ ,I \RX DUH D VXE XVHU SOHDVH FRQWDFW \RXU DGPLQLVWUDWRU IRU DVVLVWDQFH

DOOLDQFHEDQN FRP

*HQHUDO 1DYLJDWLRQ 1DYLJDWLQJ WKH V\VWHP LV VLPSOL¿HG E\ WKH PDLQ PHQX QDYLJDWLRQ EDU DW WKH WRS RI \RXU VFUHHQ 0RYH \RXU FXUVRU RYHU D PHQX LWHP WR UHYHDO VXEPHQX RSWLRQV IURP ZKLFK WR VHOHFW 1DYLJDWLRQ PD\ YDU\ EDVHG RQ WKH IXQFWLRQV WR ZKLFK \RX KDYH EHHQ JUDQWHG DFFHVV

$GPLQLVWUDWLRQ 0DQDJH 8VHUV

0DQDJH &RPSDQ\ 0\ 3UR¿OH

$FFRXQW $FWLYLWLHV 5HSRUWLQJ $FFRXQW 5HSRUWLQJ 6WRS 3D\PHQWV

3D\PHQWV 7UDQVIHUV $FFRXQW 7UDQVIHU $&+ $&+ 3URFHVVLQJ :LUH 7UDQVIHU :LUH 3URFHVVLQJ $GGLWLRQDO 6HUYLFHV

2QOLQH 5HTXHVWV &KHFN 5HRUGHU 2QOLQH 6WDWHPHQWV

$OOLDQFH %DQN 2QOLQH %DQNLQJ %LOO 3D\

$GG &KDQJH 5HPRYH 8VHUV 7KH $GG &KDQJH 5HPRYH 8VHUV RSWLRQ LV XVHG WR DGG PRGLI\ DQG GHOHWH HQG XVHUV DQG DVVLJQ WKH VHUYLFHV DQG DFFRXQWV WKH\ FDQ DFFHVV 7KLV IHDWXUH FRQWUROV DOORZ WKH FRPSDQ\ DGPLQLVWUDWRU WR FUHDWH D ³SUR¿OH´ IRU HDFK XVHU 7KLV SUR¿OH LQFOXGHV D XQLTXH ,' DQG VHFXUH 3DVVZRUG DV ZHOO DV SHUPLVVLRQ VHWWLQJV WKDW HQDEOH WKH XVHU WR DFFHVV FHUWDLQ DFFRXQWV DQG XVHU VSHFL¿F VHUYLFHV )URP WKH $GPLQLVWUDWLRQ PHQX VHOHFW $GG &KDQJH 5HPRYH 8VHUV XQGHU 0DQDJH 8VHUV

7R DGG D QHZ XVHU FOLFN 1HZ 7R HGLW D XVHU VHOHFW WKH QDPH IURP WKH GURS GRZQ PHQX (QWHU RU HGLW WKH 8VHU 1DPH 8VHU ,' 8VHU 3DVVZRUG &RQ¿UP 3DVVZRUG DQG (PDLO $GGUHVV LQIRUPDWLRQ 6HOHFW WKH DFFRXQWV DQG IXQFWLRQV WR JUDQW DFFHVV WR WKLV XVHU

)RU $&+ RU :LUH 7UDQVIHU DFFHVV HQWHU DQ DPRXQW KHUH WR VHW D XVHU¶V GDLO\ DQG WUDQVDFWLRQ OLPLW &OLFN 8SGDWH WR VDYH WKH LQIRUPDWLRQ IRU WKLV XVHU &OLFN 'HOHWH WR UHPRYH WKLV XVHU DQG WKHLU V\VWHP SULYLOHJHV

DOOLDQFHEDQN FRP 1RWH &KDQJHV LQ $GG &KDQJH 5HPRYH 8VHUV GR QRW DIIHFW VHVVLRQV WKDW DUH DOUHDG\ XQGHUZD\ 8VHUV ZLWK DFWLYH VHVVLRQV PXVW ORJ RXW DQG WKHQ ORJ EDFN LQ WR VHH PRGL¿FDWLRQV PDGH LQ 8VHU ,QIRUPDWLRQ DQG )HDWXUH 6HUYLFHV

9LHZ 8VHUV $FWLYLW\ 5HSRUWLQJ .HHS WDEV RQ DOO WKH WUDQVDFWLRQV SHUIRUPHG WKURXJKRXW WKH %XVLQHVV %DQNLQJ V\VWHP ZLWK WKH $FWLYLW\ 5HSRUWLQJ IHDWXUH 8VH $FWLYLW\ 5HSRUWLQJ WR WUDFN DOO DFWLYLW\ DV ZHOO DV VHDUFK IRU D VSHFL¿F W\SH RI WUDQVDFWLRQ

(QWHU DQ RSWLRQDO 7LWOH IRU WKH UHSRUW 6HOHFW 6DYH IURP WKH GURS GRZQ PHQX LI \RX ZLVK WR UXQ WKH VDPH TXHU\ DJDLQ LQ WKH IXWXUH 6HOHFW WKH W\SH RI GLVSOD\ WKHQ FOLFN 6XEPLW

6HOHFW WKH UHSRUW WR TXHU\ RU VHOHFW 1HZ WR FUHDWH D QHZ UHSRUW (QWHU WKH GDWH VHOHFWLRQ LQ WKH ¿HOGV SURYLGHG 6HOHFW WKH 4XHU\ VHOHFWLRQ DQG HQWHU WKH UHTXLUHG LQIRUPDWLRQ LQ WKH ¿HOGV SURYLGHG ,I \RX FKRRVH $OO $FWLYLWLHV QR IXUWKHU TXHU\ VHWXS LV UHTXLUHG

1RWH ,I WKH QXPEHU RI UHWXUQHG UHFRUGV IRU D TXHU\ H[FHHGV WKH ¿UVW UHFRUGV ZLOO EH GLVSOD\HG IROORZHG E\ D PHVVDJH UHFRPPHQGLQJ WKDW \RX GRZQORDG WKH ¿OH WR \RXU FRPSXWHU

$OOLDQFH %DQN 2QOLQH %DQNLQJ %LOO 3D\

6HW $FFRXQW 1DPH 7KH 6HW $FFRXQW 1DPH IXQFWLRQ SURYLGHV WKH FRPSDQ\ DGPLQLVWUDWRU ZLWK WKH DELOLW\ WR UHQDPH DQ\ RI WKH DYDLODEOH DFFRXQWV $OO UHIHUHQFHV WR WKH DFFRXQW ZLWKLQ WKH V\VWHP ZLOO XVH WKH DGPLQLVWUDWRU GH¿QHG QDPH )URP WKH $GPLQLVWUDWLRQ PHQX VHOHFW 6HW $FFRXQW 1DPH XQGHU 0DQDJH &RPSDQ\

6HOHFW WKH $FFRXQW IURP WKH GURS GRZQ PHQX WKHQ \RX PD\ PRGLI\ WKH $FFRXQW 1DPH

&OLFN 8SGDWH ZKHQ ¿QLVKHG

&KDQJH 7LPHRXW ,I \RX DUH KDYLQJ DQ 2QOLQH %DQNLQJ VHVVLRQ DQG KDYH VWHSSHG DZD\ IURP \RXU FRPSXWHU ZLWKRXW 6LJQLQJ 2II WKLV IHDWXUH DOORZV \RX WR VHOHFW WKH DPRXQW RI WLPH D XVHU¶V EDQNLQJ VHVVLRQ LV LGOH EHIRUH LW LV DXWRPDWLFDOO\ WHUPLQDWHG )URP WKH $GPLQLVWUDWLRQ PHQX VHOHFW &KDQJH 7LPHRXW XQGHU 0DQDJH &RPSDQ\

6HOHFW WKH 6HVVLRQ 7LPHRXW IURP WKH GURS GRZQ PHQX WKHQ FOLFN 8SGDWH

DOOLDQFHEDQN FRP

&KDQJH 0\ 3DVVZRUG 8VHUV DUH UHTXLUHG WR FKDQJH WKHLU SDVVZRUGV RQ D UHFXUULQJ EDVLV 6SHFLDO SDVVZRUG FKDUDFWHULVWLFV PD\ EH LPSRVHG WR SURYLGH D JUHDWHU GHJUHH RI VHFXULW\ )URP WKH $GPLQLVWUDWLRQ PHQX VHOHFW &KDQJH 0\ 3DVVZRUG XQGHU 0\ 3UR¿OH

(QWHU \RXU H[LVWLQJ SDVVZRUG LQ WKH ¿UVW ¿HOG (QWHU WKH QHZ SDVVZRUG LQ WKH QH[W ¿HOG DQG FRQ¿UP WKH QHZ SDVVZRUG LQ WKH WKLUG ¿HOG

7R VDYH WKH QHZ SDVVZRUG FOLFN WKH 8SGDWH 3DVVZRUG EXWWRQ

1RWH 7KH %XVLQHVV %DQNLQJ V\VWHP¶V SDVVZRUG YDOLGDWLRQ LV FDVH VHQVLWLYH XVHUV PXVW H[DFWO\ UHSOLFDWH WKH SDWWHUQ RI XSSHU DQG ORZHU FDVH OHWWHUV WR JDLQ HQWU\ WR WKH V\VWHP 8VH PL[HG FDVH IRU \RXU SDVVZRUGV WR KHOS PDNH WKHP PRUH VHFXUH

:H UHFRPPHQG XSGDWLQJ \RXU SDVVZRUG HYHU\ GD\V IRU DGGHG VHFXULW\

$OOLDQFH %DQN 2QOLQH %DQNLQJ %LOO 3D\

0DQDJH 2QH 7LPH 3DVVFRGH 'HOLYHU\ 7KH 0DQDJH 2QH 7LPH 3DVVFRGH 'HOLYHU\ IHDWXUH FRQWDLQV WKH (QKDQFHG /RJLQ 6HFXULW\ 'HOLYHU\ GHVWLQDWLRQV HVWDEOLVKHG IRU WKH XVHUV E\ HLWKHU WKH FRPSDQ\ DGPLQLVWUDWRU RU ¿QDQFLDO LQVWLWXWLRQ 7KLV SDJH GLVSOD\V WKH HPDLO DGGUHVVHV WKDW DUH DYDLODEOH IRU UHFHLYLQJ D RQH WLPH SDVVFRGH 273 VHFXULW\ DFFHVV FRGH HPDLO QRWL¿FDWLRQ )URP WKH $GPLQLVWUDWLRQ PHQX VHOHFW 0DQDJH 2QH 7LPH 3DVVFRGH 'HOLYHU\ XQGHU 0DQDJH 3UR¿OH

DOOLDQFHEDQN FRP

8QHQUROO &RPSXWHUV ,I \RX DUH D &RPSDQ\ $GPLQLVWUDWRU DQG WKHUH DUH FRPSXWHUV WKDW \RX QR ORQJHU SODQ WR UHJXODUO\ ORJLQ WR PDQDJH \RXU %XVLQHVV 2QOLQH %DQNLQJ DFFRXQWV \RX KDYH WKH DELOLW\ WR 8QHQUROO WKHP KHUH

6HOHFW WKH RSWLRQ WR 8QHQUROO 7KLV &RPSXWHU RU WR 8QHQUROO $OO &RPSXWHUV

$FWLYDWH 7RNHQ )RU VHFXULW\ UHDVRQV XVHUV ZLOO UHFHLYH D WRNHQ LQ RUGHU WR LQLWLDWH DQ $&+ )HGHUDO 7D[ 3D\PHQW RU :LUH 7UDQVIHU 7KH WRNHQ V ZLOO EH SURYLGHG E\ \RXU DFFRXQW RI¿FHU 7R DFWLYDWH IROORZ WKH VWHSV EHORZ

)URP WKH $GPLQLVWUDWLRQ PHQX VHOHFW $FWLYDWH 7RNHQ XQGHU 0\ 3UR¿OH

*R WR WKH 0\ 3UR¿OH SDJH DQG VHOHFW WR $FWLYDWH 7RNHQ (QWHU WKH WRNHQ VHULDO QXPEHU DORQJ ZLWK WKH VHFXULW\ FRGH LQ WKH SURYLGHG ¿HOGV

&OLFN 6XEPLW ZKHQ ¿QLVKHG

$OOLDQFH %DQN 2QOLQH %DQNLQJ %LOO 3D\

6HW 0DLQ 3DJH ,I D PDLQ SDJH KDV QRW EHHQ VHW WKH XVHU ZLOO GHIDXOW WR WKH $FFRXQW 6XPPDU\ SDJH ZKHQ ORJJLQJ LQWR %XVLQHVV 2QOLQH %DQNLQJ

)URP WKH $GPLQLVWUDWLRQ PHQX VHOHFW 6HW 0DLQ 3DJH XQGHU 0\ 3UR¿OH

6HOHFW WKH SDJH \RX ZRXOG OLNH WR VHW DV \RXU 0DLQ 3DJH IURP WKH GURS GRZQ PHQX WKHQ FOLFN 8SGDWH )URP QRZ RQ \RX ZLOO EH GLUHFWHG WR WKLV SDJH ZKHQ ORJJLQJ LQ

DOOLDQFHEDQN FRP

9LHZ $FFRXQW 6XPPDU\

&OLFN D VSHFL¿F DFFRXQW QDPH WR YLHZ WKH $FFRXQW 'HWDLO &OLFN WKH PDJQLI\LQJ JODVV LFRQ WR YLHZ DGGLWLRQDO DFFRXQW GHWDLO LQIRUPDWLRQ

&OLFN 3ULQW WR VHQG WKH GLVSOD\HG GDWD WR \RXU SULQWHU &OLFN ([SRUW WR JHQHUDWH DQ ([FHO VSUHDGVKHHW RI WKH GDWD

$OOLDQFH %DQN 2QOLQH %DQNLQJ %LOO 3D\

&UHDWH 5HSRUWV 7KH &UHDWH 5HSRUWV IXQFWLRQ OHWV \RX FUHDWH HGLW DQG GHOHWH FXVWRPL]HG VHWWLQJV WKDW DSSO\ WR WKH $FFRXQW 6XPPDU\ VFUHHQ VR \RX VHH RQO\ VSHFL¿F DFFRXQWV DQG WUDQVDFWLRQV $ UHSRUW LV FRPSULVHG RI D JURXS RI $FFRXQW DQG 7UDQVDFWLRQ VHWWLQJV DQG LV VDYHG E\ D GHVFULSWLYH QDPH 7KH UHSRUW DFWV DV D ¿OWHU IRU WKH $FFRXQW 6XPPDU\ VFUHHQ SURYLGLQJ \RX D FXVWRPL]HG YLHZ 2QFH D UHSRUW LV FUHDWHG \RX FDQ VDYH WKH UHSRUW WR UXQ DJDLQ RQ IXWXUH GDWHV )URP WKH $FFRXQW $FWLYLWLHV 5HSRUWLQJ PHQX VHOHFW &UHDWH 5HSRUWV XQGHU $FFRXQW 5HSRUWLQJ

6HOHFW D SUHYLRXV UHSRUW IURP WKH GURS GRZQ PHQX RU FOLFN 1HZ WR FUHDWH D QHZ UHSRUW 6HOHFW WKH DFFRXQWV WR LQFOXGH LQ WKH UHSRUW

6HOHFW WKH WUDQVDFWLRQV WR LQFOXGH LQ WKH UHSRUW $VVLJQ D QDPH WR WKH UHSRUW WKHQ FOLFN 8SGDWH WR VDYH WKH H[LVWLQJ UHSRUW ,I \RX DUH VDYLQJ D QHZ UHSRUW FOLFN $GG

1RWH ,I DFFRXQW FDWHJRU\ FRGHV DUH QRW DYDLODEOH WKH WUDQVDFWLRQ W\SHV GLVSOD\HG ZLOO EH 'HELW DQG &UHGLW

DOOLDQFHEDQN FRP

5XQ 6HOHFWHG 5HSRUW 7KH 5XQ 6HOHFWHG 5HSRUW RSWLRQ OHWV \RX GLVSOD\ WKH UHVXOWV IURP \RXU VDYHG UHSRUWV )URP WKH $FFRXQW $FWLYLWLHV 5HSRUWLQJ PHQX VHOHFW 5XQ 6HOHFWHG 5HSRUW XQGHU $FFRXQW 5HSRUWLQJ

6HOHFW WKH UHSRUW WR UXQ IURP WKH GURS GRZQ PHQX WKHQ FOLFN 6XEPLW DQG WKH UHVXOWV ZLOO DSSHDU LQ D VHFRQGDU\ ZLQGRZ

$OOLDQFH %DQN 2QOLQH %DQNLQJ %LOO 3D\

6HDUFK 7UDQVDFWLRQV 7UDQVDFWLRQ 6HDUFK DOORZV IRU TXHU\LQJ RQ WUDQVDFWLRQV 6HDUFK E\ DQ\ FRPELQDWLRQ RI GDWH UDQJH FKHFN RU VHULDO QXPEHU RI D WUDQVDFWLRQ DV ZHOO DV WUDQVDFWLRQ W\SH )URP WKH $FFRXQW $FWLYLWLHV 5HSRUWLQJ PHQX VHOHFW 6HDUFK 7UDQVDFWLRQV XQGHU $FFRXQW 5HSRUWLQJ

&OLFN 6XEPLW WR GLVSOD\ WKH UHVXOWV RI \RXU VHDUFK &OLFN 5HVHW WR FOHDU WKH ¿HOGV DQG VHDUFK DJDLQ

6HOHFW WKH DFFRXQW WR VHDUFK IURP WKH GURS GRZQ PHQX (QWHU RQH RU PRUH RI WKH VHDUFK FULWHULD LQFOXGLQJ 'DWH &KHFN RU 6HULDO 1XPEHU $PRXQW DQG 7UDQVDFWLRQ 7\SH

DOOLDQFHEDQN FRP

0DQDJH %DODQFH $OHUWV %XVLQHVV %DQNLQJ FDQ KHOS \RX WUDFN DFFRXQW DFWLYLW\ ZLWK %DODQFH $OHUWV 6HW XS DQ HPDLO RU WH[W PHVVDJH DOHUW WR EH VHQW WR \RX ZKHQ DQ DFFRXQW OHYHO H[FHHGV D VHW WKUHVKROG %DODQFH DOHUW QRWL¿FDWLRQV DUH VHQW WKURXJKRXW WKH GD\ DQG DUH QRW DYDLODEOH IRU ORDQ DFFRXQWV )URP WKH $FFRXQW $FWLYLWLHV 5HSRUWLQJ PHQX VHOHFW 0DQDJH %DODQFH $OHUWV XQGHU $FFRXQW 5HSRUWLQJ

7R DGG D QHZ EDODQFH DOHUW VHOHFW $GG $Q $OHUW HQWHU WKH FRQGLWLRQV DQG DOHUW HPDLO DGGUHVV WKHQ FOLFN $GG 7R XSGDWH DQ H[LVWLQJ EDODQFH DOHUW VHOHFW WKH FKHFN ER[ IRU WKH DOHUW V HGLW WKH LQIRUPDWLRQ DV QHFHVVDU\ WKHQ FOLFN 8SGDWH

7R GHOHWH DQ H[LVWLQJ EDODQFH DOHUW VHOHFW WKH FKHFN ER[ IRU WKH DOHUW V WKHQ FOLFN 'HOHWH

$OOLDQFH %DQN 2QOLQH %DQNLQJ %LOO 3D\

$GG 6WRS 3D\PHQW :LWK WKH 6WRS 3D\PHQW $FWLYLW\ IHDWXUH \RX KDYH WKH RSWLRQ WR SHUIRUP D VWRS SD\PHQW RQ RQH RU PXOWLSOH FKHFNV +RZHYHU \RX FDQQRW SODFH D VWRS SD\PHQW RQ FKHFNV WKDW KDYH DOUHDG\ EHHQ SRVWHG WR \RXU DFFRXQW )URP WKH $FFRXQW $FWLYLWLHV 5HSRUWLQJ PHQX VHOHFW $GG 6WRS 3D\PHQW XQGHU 6WRS 3D\PHQWV

8QGHU 5HTXHVW 7\SH VHOHFW ZKHWKHU \RX DUH VWRSSLQJ DQ LQGLYLGXDO FKHFN RU D UDQJH RI FKHFNV DQG HQWHU WKH &KHFN 1XPEHU &KHFN $PRXQW ,VVXH 'DWH DQG WKH 3D\HH &OLFN $GG WR FRPSOHWH

'RXEOH FKHFN WKH FRQWDFW LQIRUPDWLRQ IRU DFFXUDF\ 6HOHFW WKH $FFRXQW DQG WKH 5HDVRQ IRU WKH 6WRS 3D\PHQW IURP WKH GURS GRZQ PHQXV

1RWH ,I WKH FKHFNV DUH ORVW RU VWROHQ FRQWDFW \RXU )LQDQFLDO ,QVWLWXWLRQ LPPHGLDWHO\ 6WRSSLQJ D SD\PHQW ZLOO LPSRVH D IHH WKDW ZLOO EH FKDUJHG WR \RXU DFFRXQW

9LHZ 6WRS 3D\PHQW $FWLYLW\ &KRRVH 9LHZ 6WRS 3D\PHQW $FWLYLW\ WR VHH FDQFHOHG SD\PHQWV

DOOLDQFHEDQN FRP

$GG $FFRXQW 7UDQVIHU 7KH $GG $FFRXQW 7UDQVIHU VHUYLFH DOORZV \RX WR PRYH IXQGV EHWZHHQ DFFRXQWV ZLWKLQ WKH VDPH ¿QDQFLDO LQVWLWXWLRQ 7UDQVIHUV FDQ EH VFKHGXOHG IRU WKH FXUUHQW GD\ RU D GDWH LQ WKH IXWXUH XS WR RQH \HDU LQ DGYDQFH 5HFXUULQJ WUDQVIHUV PD\ DOVR EH VHW XS WR DXWRPDWH ORDQ SD\PHQWV 6FKHGXOHG WUDQVIHUV FDQ EH UHYLHZHG DQG GHOHWHG DQ\WLPH SULRU WR SURFHVVLQJ )URP WKH 3D\PHQWV 7UDQVIHUV PHQX VHOHFW $GG $FFRXQW 7UDQVIHU XQGHU $FFRXQW 7UDQVIHUV

&OLFN $GG WR DGG WKH WUDQVIHU WR WKH OLVW

6HOHFW WKH VRXUFH DQG GHVWLQDWLRQ DFFRXQWV IRU WKH IXQGV WUDQVIHU

(QWHU WKH WUDQVIHU $PRXQW (QWHU WKH SURFHVVLQJ 'DWH IRU WKH WUDQVIHU

1RWH

$OOLDQFH %DQN 2QOLQH %DQNLQJ %LOO 3D\

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

&KRRVH WKH DFFRXQW WKDW IXQGV ZLOO EH GHELWHG IURP DQG WKH GHVWLQDWLRQ DFFRXQW XVLQJ WKH GURS GRZQ PHQX ,Q WKH VSDFHV SURYLGHG HQWHU WKH $PRXQW WR EH WUDQVIHUUHG 1H[W VHOHFW D 6WDUW 'DWH XVLQJ WKH FRQYHQLHQW FDOHQGDU IHDWXUH

6HOHFW ZKHWKHU \RX ZRXOG OLNH WKH WUDQVIHU WR WDNH SODFH RQ D ZHHNO\ PRQWKO\ RU EL PRQWKO\ EDVLV DQG FKRRVH WKH VSHFL¿F RFFXUUHQFH XVLQJ WKH GURS GRZQ PHQX EDVHG RQ \RXU FKRLFH &OLFN $GG WR FRPSOHWH

DOOLDQFHEDQN FRP

8SGDWH 7UDQVIHU 7KH 8SGDWH 7UDQVIHU RSWLRQ DOORZV \RX WR YLHZ XSGDWH RU GHOHWH ERWK VFKHGXOHG DFFRXQW WUDQVIHUV DQG UHFXUULQJ DFFRXQW WUDQVIHUV 7KH 8SGDWH $FFRXQW 7UDQVIHUV IXQFWLRQ OHWV \RX H[DPLQH DOO VXFK WUDQVIHUV DQG LI DSSURSULDWH UHPRYH WKHP IURP WKH SHQGLQJ OLVW L H FDQFHO WKHP 7KH 6FKHGXOHG 5HFXUULQJ $FFRXQW 7UDQVIHUV SRUWLRQ GLVSOD\V WKH FXUUHQW UHFXUULQJ WUDQVIHUV VFKHGXOHG DQG DOORZV \RX WR HGLW DOO ¿HOGV H[FHSW WKH VWDUW GDWH IURP DFFRXQW DQG WR DFFRXQW 7UDQVIHUV DUH SURFHVVHG RQ WKH GDWH VSHFL¿HG DQG D FRQ¿UPDWLRQ HPDLO ZLOO EH VHQW WR WKH HQG XVHU ZKR DGGHG WKH DFFRXQW WUDQVIHU LQIRUPDWLRQ ,I WKH WUDQVIHU FDQQRW EH SURFHVVHG WKH V\VWHP ZLOO VHQG DQ HPDLO QRWLQJ WKH HUURU DQG WKH WUDQVIHU ZLOO EH GHOHWHG ,I \RX KDYH D ODUJH QXPEHU RI WUDQVIHU UHFRUGV \RX ZLOO EH DEOH WR SDJH WKURXJK WKH OLVW XVLQJ )LUVW 3UHYLRXV DQG /DVW EXWWRQV )URP WKH 3D\PHQWV 7UDQVIHUV PHQX VHOHFW 8SGDWH 7UDQVIHU XQGHU $FFRXQW 7UDQVIHUV

7KH 8SGDWH EXWWRQ VDYHV WKH VHOHFWHG ERRN WUDQVIHU FKDQJHV LQ WKH V\VWHP DQG XSGDWHV WKH VFUHHQ ZLWK WKH FKDQJHV 7KH 'HOHWH EXWWRQ UHPRYHV WKH VHOHFWHG WUDQVIHU IURP WKH V\VWHP

7KH 5HVHW EXWWRQ FOHDUV WKH VFUHHQ RI DQ\ FKDQJHV DQG GLVSOD\V WKH ODVW VDYHG WUDQVIHU LQVWUXFWLRQV

$OOLDQFH %DQN 2QOLQH %DQNLQJ %LOO 3D\

$&+ 2YHUYLHZ $Q $XWRPDWHG &OHDULQJ +RXVH $&+ WUDQVIHU LV WKH HOHFWURQLF WUDQVPLVVLRQ RI D ¿OH ZKLFK FRQWDLQV SHUWLQHQW LQIRUPDWLRQ WR WKH PRYHPHQW RI IXQGV EHWZHHQ DFFRXQWV $Q $&+ WUDQVIHU LV FRPPRQO\ XVHG WR H[SHGLWH GLUHFW GHSRVLW RI SD\UROO SD\ ELOOV FRQFHQWUDWH IXQGV IURP RWKHU ¿QDQFLDO LQVWLWXWLRQV RU FROOHFW PHPEHUVKLS GXHV $Q $&+ WUDQVIHU JHQHUDOO\ FRQVLVWV RI PXOWLSOH WUDQVDFWLRQV DQG LV UHIHUUHG WR DV D ³EDWFK´ 7KH VWHSV IRU VHWWLQJ XS DQ VXEPLWWLQJ DQ $&+ EDWFK DUH W\SLFDOO\ DV IROORZV

'H¿QH SDUWLFLSDQWV 0DLQWDLQ 3DUWLFLSDQW

'H¿QH EDWFK DWWULEXWHV 0DLQWDLQ %DWFK 7HPSODWH

$VVLJQ SDUWLFLSDQWV WR WKH EDWFK $VVLJQ 3DUWLFLSDQW WR %DWFK

6XEPLW WKH EDWFK ,QLWLDWH %DWFK

2SWLRQDO &KHFN RQ SHQGLQJ UHFHQW DFWLYLW\ 9LHZ $&+ $FWLYLW\

$SSURYLQJ DQRWKHU VXE XVHU¶V EDWFK $SSURYH 9LHZ $&+ $FWLYLW\

2SWLRQDO (GLW DQG UH VXEPLW WKH EDWFK 8SGDWH %DWFK

7KH DERYH VWHSV DUH W\SLFDO IRU DQ $&+ XVHU )RU DQ $&+ DGPLQLVWUDWRU WKH PDLQ DFWLRQ RFFXUV DIWHU WKH EDWFK VXEPLWWDO ,I WKH EDWFK UHTXLUHV GXDO DSSURYDO RU LW H[FHHGV WKH XVHU¶V SHU WUDQVDFWLRQ DQG RU GDLO\ OLPLWV LW LV JLYHQ D VWDWXV RI 3HQGLQJ 7KH DGPLQLVWUDWRU WKHQ XVHV WKH $SSURYDO 9LHZ $&+ $FWLYLW\ IXQFWLRQ HLWKHU WR DSSURYH WKH EDWFK DV LV RU WR GHQ\ LW DQG VHQG LW EDFN WR WKH XVHU IRU PRGL¿FDWLRQ 1RWH $ EDWFK PD\ EH XVHG PXOWLSOH WLPHV RQFH VWHSV RQH WKURXJK WKUHH DUH FRPSOHWHG

DOOLDQFHEDQN FRP

0DLQWDLQ %DWFK 7HPSODWHV 7KH 0DLQWDLQ %DWFK 7HPSODWH IXQFWLRQ DOORZV \RX WR GH¿QH WKH HVVHQWLDO FKDUDFWHULVWLFV RI WKH $&+ EDWFK IRU HI¿FLHQW HQWU\ 7KLV VFUHHQ DOORZV \RX WR FUHDWH QHZ WHPSODWHV DQG XSGDWH RU GHOHWH H[LVWLQJ WHPSODWHV )URP WKH 3D\PHQWV 7UDQVIHUV PHQX VHOHFW 0DLQWDLQ %DWFK 7HPSODWH XQGHU $&+

&OLFN $GG 1HZ WR DGG D QHZ WHPSODWH RU /LVW $OO 7HPSODWHV 7R XSGDWH DQ H[LVWLQJ WHPSODWH VHOHFW WKH WHPSODWH QDPH IURP WKH GURS GRZQ PHQX (QWHU RU HGLW WKH WHPSODWH GHWDLOV DV UHTXLUHG

&OLFN 8SGDWH WR VDYH WKH LQIRUPDWLRQ &OLFN 'HOHWH WR UHPRYH WKH VHOHFWHG WHPSODWH

$OOLDQFH %DQN 2QOLQH %DQNLQJ %LOO 3D\

0DLQWDLQ 3DUWLFLSDQW 7KH $&+ SDUWLFLSDQW LV WKH LQGLYLGXDO RU RUJDQL]DWLRQ ZKRVH DFFRXQW PD\ EH GHELWHG RU FUHGLWHG VXFK DV SD\UROO RU GHSRVLW IRU VHUYLFHV UHQGHUHG (DFK SDUWLFLSDQW HQWU\ FRQWDLQV WKH SDUWLFLSDQW¶V ¿QDQFLDO LQVWLWXWLRQ LQIRUPDWLRQ WKHLU DFFRXQW DQG ZKHWKHU LW ZLOO EH D GHELW RU FUHGLW $ SDUWLFLSDQW PD\ KDYH VHYHUDO HQWULHV HDFK RQH XVLQJ WKDW SDUWLFLSDQW¶V XQLTXH ,' EXW LQGLFDWLQJ D GLIIHUHQW DFFRXQW RU WUDQVDFWLRQ W\SH ,I WKH SDUWLFLSDQW KDV PXOWLSOH DFFRXQWV RU UHTXHVWV PRUH WKDQ RQH WUDQVDFWLRQ W\SH IRU H[DPSOH D GHELW DQG FUHGLW RQ WKH VDPH DFFRXQW RU GHELWV WR WZR VHSDUDWH DFFRXQWV D SDUWLFLSDQW HQWU\ PXVW EH FUHDWHG IRU HDFK DFFRXQW RU WUDQVDFWLRQ )URP WKH 3D\PHQWV 7UDQVIHUV PHQX VHOHFW 0DLQWDLQ 3DUWLFLSDQW XQGHU $&+

7R DGG QHZ SDUWLFLSDQWV HQWHU HDFK SDUWLFLSDQW¶V GHWDLOV WKHQ FOLFN $GG 7R XSGDWH DQ H[LVWLQJ SDUWLFLSDQW VHOHFW WKH SDUWLFLSDQW IURP WKH GURS GRZQ PHQX HGLW WKH LQIRUPDWLRQ DV QHFHVVDU\ WKHQ FOLFN 8SGDWH

7R GHOHWH DQ H[LVWLQJ SDUWLFLSDQW VHOHFW WKH SDUWLFLSDQW IURP WKH GURS GRZQ PHQX WKHQ FOLFN 'HOHWH 7R YLHZ D OLVW RI H[LVWLQJ SDUWLFLSDQWV FOLFN /LVW $OO 3DUWLFLSDQWV

DOOLDQFHEDQN FRP

$VVLJQ 3DUWLFLSDQWV WR %DWFK 7KH $VVLJQ 3DUWLFLSDQWV 7R %DWFK IXQFWLRQ DOORZV \RX DVVRFLDWH SDUWLFLSDQWV ZLWK WHPSODWHV EULQJLQJ WRJHWKHU WKH GH¿QLWLRQV FUHDWHG HDUOLHU (DFK $&+ WUDQVDFWLRQ LQFOXGHV D UHIHUHQFH WR WKH SDUWLFLSDQW KRZ WKH DFFRXQW LV DIIHFWHG DQG WKH DPRXQW )URP WKH 3D\PHQWV 7UDQVIHUV PHQX VHOHFW $VVLJQ 3DUWLFLSDQWV WR %DWFK XQGHU $&+

)URP WKH 7HPSODWH 1DPH GURS GRZQ OLVW VHOHFW WKH WHPSODWH WKDW \RX ZDQW WR PRGLI\ 7KH WHPSODWH¶V FRPSOHWH LQIRUPDWLRQ LV GLVSOD\HG LQ WKH WDEOH

1RWH 8VH WKH 6HOHFW $OO FKHFN ER[ WR VHOHFW RU GHVHOHFW DOO SDUWLFLSDQWV

$OOLDQFH %DQN 2QOLQH %DQNLQJ %LOO 3D\

,PSRUW $&+ 'DWD 7KH ,PSRUW $&+ 'DWD IXQFWLRQ DOORZV \RX WR FUHDWH D QHZ RU XSGDWH H[LVWLQJ %DWFK 7HPSODWH DQG 3DUWLFLSDQWV XVLQJ D ¿OH FUHDWHG E\ DQRWKHU DSSOLFDWLRQ

&OLFN %URZVH WR VHOHFW D ¿OH IURP \RXU FRPSXWHU WR LPSRUW &OLFN ,PSRUW WR FRPSOHWH WKH SURFHVV

7R XSGDWH DQ H[LVWLQJ EDWFK VHOHFW WKH ¿OH QDPH 7R &UHDWH D 1HZ 'HOLPLWHG 0DS RU &UHDWH D 1HZ )L[HG 0DS FOLFN WKH DSSURSULDWH OLQN KHUH

1RWH ,PSRUWLQJ $&+ 'DWD GRHV QRW LQLWLDWH WKH EDWFK %DWFK ,QLWLDWLRQ FDQ RQO\ EH DFKLHYHG E\ IROORZLQJ WKH EDWFK LQLWLDWLRQ SURFHGXUH

DOOLDQFHEDQN FRP

,QLWLDWH %DWFK 7KH ,QLWLDWH %DWFK IXQFWLRQ OHWV \RX VHW XS DQ $&+ EDWFK DQG VXEPLW LW IRU SURFHVVLQJ 0XOWLSOH $&+ SD\PHQWV FDQ EH HQWHUHG DQG VHQW )LOHV UHFHLYHG DIWHU WKH FXW RII WLPH ZLOO EH SURFHVVHG WKH QH[W EXVLQHVV GD\ )URP WKH 3D\PHQWV 7UDQVIHUV PHQX VHOHFW ,QLWLDWH %DWFK XQGHU $&+ 3URFHVVLQJ

7KH GDLO\ WUDQVDFWLRQ OLPLW DQG UXQQLQJ WRWDO GLVSOD\V KHUH 6HOHFW WKH 7HPSODWH 1DPH IURP WKH GURS GRZQ PHQX

(GLW WKH EDWFK GDWD IRU SDUWLFLSDQWV DV QHFHVVDU\ LQFOXGLQJ WKH HIIHFWLYH 'DWH $PRXQW YDOXH 3UHQRWH VHWWLQJ DQG $GGHQGD PHVVDJH WKHQ FOLFN ,QLWLDWH

&OLFN WKH +ROG FKHFN ER[ WR RPLW WKH SDUWLFLSDQW IURP WKH EDWFK WUDQVPLWWDO

1RWH $Q $&+ EDWFK PD\ UHTXLUH DSSURYDO GXH WR OLPLWDWLRQV VHW E\ WKH V\VWHP DGPLQLVWUDWRU

$OOLDQFH %DQN 2QOLQH %DQNLQJ %LOO 3D\

$SSURYH 9LHZ $&+ $FWLYLW\ 7KH $SSURYH 9LHZ $&+ $FWLYLW\ IXQFWLRQ DOORZV \RX WR UHYLHZ UHFHQW DQG SHQGLQJ $&+ DFWLYLW\ WR PDNH LQIRUPHG DSSURYDO GHFLVLRQV IURP RQH FRQYHQLHQW VFUHHQ ,I D XVHU H[FHHGV WKHLU SUH WUDQVDFWLRQ OLPLW DQG RU GDLO\ OLPLW RU \RX KDYH GXDO DSSURYDO DXWKRULW\ HQDEOHG WKH &RPSDQ\ $GPLQLVWUDWRU RU DQ $SSURYDO XVHU FDQ DSSURYH GHOHWH RU GHQ\ SHQGLQJ EDWFKHV (PDLO QRWL¿FDWLRQV DUH VHQW WR DOO ZKR DSSURYH ZKHQ EDWFKHV DUH SHQGLQJ )URP WKH 3D\PHQWV 7UDQVIHUV PHQX VHOHFW $SSURYH 9LHZ $&+ $FWLYLW\ XQGHU $&+ 3URFHVVLQJ

$ UHIHUHQFH GLVSOD\ RI \RXU DSSURYDO OLPLWV DSSHDUV DW WKH WRS RI WKH VFUHHQ 7R DSSURYH D SHQGLQJ $&+ VXEPLWWDO FKHFN LWV 6HOHFW ER[ WKHQ FOLFN $SSURYH

7R GHQ\ D SHQGLQJ $&+ VXEPLWWDO FKHFN LWV 6HOHFW ER[ WKHQ FOLFN 'HQ\ 7R VHH GHWDLOV IRU DQ\ EDWFK OLVWHG RQ WKH VFUHHQ FOLFN WKH PDJQLI\LQJ JODVV LFRQ LQ WKH 'HWDLOV FROXPQ 7KH V\VWHP ODXQFKHV D VHFRQG EURZVHU ZLQGRZ IURP ZKLFK \RX FDQ YLHZ RU SULQW WKH EDWFK GDWD

1RWH :KHQ D EDWFK LV GHQLHG DQ HPDLO QRWL¿FDWLRQ ZLOO EH VHQW WR WKH EDWFK LQLWLDWRU IRU PRGL¿FDWLRQ DQG UH VXEPLWWDO

DOOLDQFHEDQN FRP

9LHZ $&+ $FWLYLW\ 7KH ,QLWLDWH %DWFK IXQFWLRQ OHWV \RX VHW XS DQ $&+ EDWFK DQG VXEPLW LW IRU SURFHVVLQJ 0XOWLSOH $&+ SD\PHQWV FDQ EH HQWHUHG DQG VHQW )LOHV UHFHLYHG DIWHU WKH FXW RII WLPH ZLOO EH SURFHVVHG WKH QH[W EXVLQHVV GD\ )URP WKH 3D\PHQWV 7UDQVIHUV PHQX VHOHFW ,QLWLDWH %DWFK XQGHU $&+ 3URFHVVLQJ

7R GHOHWH D SHQGLQJ $&+ VXEPLWWDO FOLFN WKH 6HOHFW FKHFNER[ DQG FOLFN WKH 'HOHWH EXWWRQ 7R UHVXEPLW D SHQGLQJ $&+ VXEPLWWDO FKHFN WKH 6HOHFW ER[ DQG FOLFN WKH 5HVXEPLW EXWWRQ 7KLV EXWWRQ PD\ RU PD\ QRW EH GLVSOD\HG GHSHQGLQJ RQ ZKHWKHU WKLV RSWLRQ LV DYDLODEOH WR \RX

,I \RX KDYH D ODUJH QXPEHU RI WUDQVDFWLRQ UHFRUGV \RX ZLOO EH DEOH WR SDJH WKURXJK WKH OLVW XVLQJ )LUVW 3UHYLRXV DQG /DVW EXWWRQV DW WKH ERWWRP RI WKH WDEOH 7R VHH GHWDLOV IRU DQ\ EDWFK OLVWHG RQ WKH VFUHHQ FOLFN WKH PDJQLI\LQJ JODVV LQ WKH 'HWDLOV FROXPQ 7KH V\VWHP ODXQFKHV D VHFRQG EURZVHU ZLQGRZ IURP ZKLFK \RX FDQ YLHZ RU SULQW WKH EDWFK GDWD

$OOLDQFH %DQN 2QOLQH %DQNLQJ %LOO 3D\

6HQG $&+ )LOH :LWK WKH 6HQG $&+ )LOH IXQFWLRQ \RX FDQ VHQG D 1$&+$ IRUPDWWHG ¿OH FUHDWHG LQ \RXU RZQ ¿QDQFLDO VRIWZDUH WR XV IRU SURFHVVLQJ VDYLQJ \RX WLPH DQG DOORZLQJ ODUJH QXPEHUV RI WUDQVDFWLRQV WR EH SURFHVVHG PRUH HDVLO\ :KHQ XVLQJ WKLV IHDWXUH LW LV QRW QHFHVVDU\ WR PDLQWDLQ SDUWLFLSDQWV FUHDWH EDWFKHV RU LQLWLDWH EDWFKHV VHSDUDWHO\ ZLWKLQ WKH %XVLQHVV 2QOLQH %DQNLQJ V\VWHP %DWFKHV FRQWDLQHG ZLWKLQ WKH XSORDGHG ¿OH PD\ EH YLHZHG LQ WKH DFWLYLW\ VFUHHQ DQG FDQ EH DGGHG SHQGLQJ DSSURYDO LI DQ DSSURYDO UHTXLUHPHQW LV HOHFWHG DW HQUROOPHQW

)URP WKH 3D\PHQWV 7UDQVIHUV PHQX VHOHFW 6HQG $&+ )LOH XQGHU $&+ 3URFHVVLQJ

(QWHU WKH QDPH RI WKH $&+ ¿OH WR XSORDG RU FOLFN %URZVH WR ORFDWH WKH ¿OH RQ \RXU ORFDO QHWZRUN RU FRPSXWHU &OLFN 8SORDG WR VHQG WKH $&+ ¿OH WR WKH EDQN

2QFH WKH XVHU VXEPLWV WKH $&+ ¿OH WR EH FRPSOHWHG WKH XVHU ZLOO EH SUHVHQWHG ZLWK D FRQ¿UPDWLRQ PHVVDJH ZLWK D 5HIHUHQFH 1XPEHU 7KH XVHU ZLOO EH DEOH WR YLHZ WKH VWDWXV RI WKH 5HIHUHQFH 1XPEHU YLD WKH 9LHZ $&+ $FWLYLW\ RU 9LHZ $SSURYH $&+ $FWLYLW\ VFUHHQ

1RWH 7KH 5HIHUHQFH 1XPEHU LV QRW WKH %DWFK ,' 1XPEHU 7KH %DWFK ,'V FDQ EH YLHZHG E\ VHOHFWLQJ WKH 5HIHUHQFH 1XPEHU K\SHUOLQN RQ WKH 9LHZ $&+ $FWLYLW\ RU 9LHZ $SSURYH $&+ $FWLYLW\ VFUHHQ

DOOLDQFHEDQN FRP

:LUH 7UDQVIHU 2YHUYLHZ 7KH :LUH 7UDQVIHU VHUYLFH DOORZV \RX WR PRYH IXQGV EHWZHHQ DFFRXQWV ZLWKLQ GLIIHUHQW ¿QDQFLDO LQVWLWXWLRQV 7UDQVIHUV FDQ EH VFKHGXOHG IRU WKH FXUUHQW GD\ RU LI DSSOLFDEOH D GDWH LQ WKH IXWXUH 3HQGLQJ WUDQVIHUV FDQ

EH UHYLHZHG DQG GHOHWHG :LUH 7UDQVIHU )HDWXUHV 0DLQWDLQ :LUH 7HPSODWH

0DLQWDLQ :LUH 7HPSODWH *URXS ,QLWLDWH :LUH 7HPSODWH ,QLWLDWH :LUH 7HPSODWH *URXS ,QLWLDWH )UHHIRUP :LUHV $SSURYH 9LHZ :LUH $FWLYLW\ 9LHZ :LUH $FWLYLW\ 5HTXHVW :LUH ,QYHVWLJDWLRQ

:LUH 7UDQVIHU )HDWXUHV 3HQGLQJ ± ZDLWLQJ IRU WKH EXVLQHVV XVHU WR DSSURYH WKH ¿OH 5HVXEPLW ± WKH DSSURYHU DW WKH EXVLQHVV GHQLHG WKH ¿OH DQG WKH LQLWLDWRU UHVXEPLWWHG LW $SSURYHG ± DSSURYHG E\ WKH EXVLQHVV DQG URXWHG WR WKLV ¿QDQFLDO LQVWLWXWLRQ 5HFHLYHG ± SURFHVVHG E\ WKLV ¿QDQFLDO LQVWLWXWLRQ 5HPRYHG E\ ), ± 5HPRYHG E\ WKLV ¿QDQFLDO LQVWLWXWLRQ 'RZQORDGHG 3URFHVVHG )RU D :LUH 7UDQVIHU $GPLQLVWUDWRU WKH PDLQ DFWLRQ RFFXUV DIWHU WKH EDWFK VXEPLWWDO ,I WKH ZLUH UHTXLUHV GXDO DSSURYDO RU LW H[FHHGV WKH XVHU¶V SUH WUDQVDFWLRQ DQG RU GDLO\ OLPLWV LW LV JLYHQ D VWDWXV RI 3HQGLQJ 7KH DGPLQLVWUDWRU WKHQ XVHV WKH $SSURYDO 9LHZ :LUH $FWLYLW\ IXQFWLRQ HLWKHU WR DSSURYH WKH ZLUH RU WR GHQ\ LW DQG VHQG LW EDFN WR WKH XVHU IRU PRGL¿FDWLRQ 1RWH 7KH 7HPSODWH DQG 7HPSODWH *URXS PD\ EH FUHDWHG IRU ZLUHV \RX SHUIRUP RQ D UHFXUULQJ EDVLV ,QLWLDWH )UHHIRUP :LUH LV XVHG WR SHUIRUP RQ D RQH WLPH EDVLV ZKLFK GRHV QRW UHTXLUH D ZLUH WUDQVIHU WHPSODWH WR EH FUHDWHG $GGLWLRQDO GRFXPHQWDWLRQ LV UHTXLUHG IRU DFFHVV WR WKLV IHDWXUH &RQWDFW \RXU DFFRXQW RI¿FHU IRU PRUH LQIRUPDWLRQ

$OOLDQFH %DQN 2QOLQH %DQNLQJ %LOO 3D\

0DLQWDLQ :LUH 7HPSODWH 8VH D WHPSODWH WR HQWHU LQIRUPDWLRQ IRU ZLUHV WKDW \RX SHUIRUP RQ D UHJXODU EDVLV 7KH V\VWHP LV GHVLJQHG WR VWRUH WKHVH WHPSODWHV WKXV VDYLQJ WLPH E\ GH¿QLQJ WKHP RQFH DQG UHXVLQJ WKHP ODWHU )URP WKH 3D\PHQWV 7UDQVIHUV PHQX VHOHFW 0DLQWDLQ :LUH 7HPSODWH XQGHU :LUH 7UDQVIHU

&KRRVH D WHPSODWH IURP WKH GURS GRZQ PHQX WR XSGDWH RU FOLFN $GG 1HZ WR FUHDWH D QHZ WHPSODWH &OLFN /LVW $OO 7HPSODWHV WR YLHZ D OLVW RI H[LVWLQJ WHPSODWHV 1H[W HQWHU D 7HPSODWH 1DPH LQ WKH VSDFH SURYLGHG &KRRVH WKH DFFRXQW IURP ZKLFK IXQGV ZLOO EH GHELWHG XVLQJ WKH GURS GRZQ PHQX ,Q WKH VSDFH SURYLGHG HQWHU WKH GHVLUHG DPRXQW IRU WKH WUDQVIHU

(QWHU WKH UHTXLUHG %HQH¿FLDU\ ,QIRUPDWLRQ 7KLV PD\ EH DQ LQGLYLGXDO RU ¿QDQFLDO LQVWLWXWLRQ &OLFN $GG ZKHQ ¿QLVKHG 7KH QHZ WHPSODWH LV VWRUHG XVLQJ WKH QDPH LQ WKH 7HPSODWH 1DPH PHQX

1RWH %HQH¿FLDU\ 1DPH 3K\VLFDO $GGUHVV DQG $%$ QXPEHU DUH UHTXLUHG ¿HOGV $%$ QXPEHU VKRXOG EH YHUL¿HG ZLWK WKH UHFHLYLQJ EDQN DV HOLJLEOH WR UHFHLYH ZLUHV

DOOLDQFHEDQN FRP

0DLQWDLQ :LUH 7HPSODWH *URXS 4XLFNO\ FUHDWH PRGLI\ DQG UHPRYH WHPSODWH JURXSV 7HPSODWH JURXSV DUH QDPHG FROOHFWLRQV RI SUHGH¿QHG ZLUH WUDQVIHU WHPSODWHV WKDW DUH EXQGOHG WRJHWKHU IRU FRQYHQLHQFH VR WKDW WKH XVHU PD\ LQLWLDWH PXOWLSOH ZLUHV DW RQFH IURP WKH ,QLWLDWH 7HPSODWH *URXS VFUHHQ )URP WKH 3D\PHQWV 7UDQVIHUV PHQX VHOHFW 0DLQWDLQ :LUH 7HPSODWH *URXS XQGHU :LUH 7UDQVIHU

&OLFN 8SGDWH WR FRQWLQXH WKH SURFHVV RI PRGLI\LQJ WKH WHPSODWH

&KRRVH D WHPSODWH JURXS IURP WKH GURS GRZQ PHQX WR XSGDWH RU FOLFN 1HZ WR FUHDWH D QHZ WHPSODWH JURXS &OLFN /LVW $OO *URXSV WR YLHZ D OLVW RI H[LVWLQJ WHPSODWH JURXSV 1H[W HQWHU D QHZ QDPH LQ WKH VSDFH SURYLGHG LI \RX ZLVK WR XSGDWH WKH WHPSODWH WLWOH &KRRVH WKH WUDQVIHU \RX ZLVK WR PRGLI\ RU UHPRYH E\ VHOHFWLQJ WKH FRUUHVSRQGLQJ ER[ 7R UHYLHZ GHWDLOV VLPSO\ FOLFN WKH PDJQLI\LQJ JODVV LFRQ XQGHU 'HWDLOV

1RWH %HQH¿FLDU\ 1DPH 3K\VLFDO $GGUHVV DQG $%$ QXPEHU DUH UHTXLUHG ¿HOGV $%$ QXPEHU VKRXOG EH YHUL¿HG ZLWK WKH UHFHLYLQJ EDQN DV HOLJLEOH WR UHFHLYH ZLUHV

$OOLDQFH %DQN 2QOLQH %DQNLQJ %LOO 3D\

,QLWLDWH :LUH 7HPSODWH 0RYH IXQGV EHWZHHQ DFFRXQWV ZLWKLQ GLIIHUHQW ¿QDQFLDO LQVWLWXWLRQV 7UDQVIHUV FDQ EH VFKHGXOHG IRU WKH FXUUHQW GD\ RU XS WR GD\V LQ WKH IXWXUH 3HQGLQJ WUDQVIHUV FDQ EH UHYLHZHG RU GHOHWHG DQ\WLPH SULRU WR SURFHVVLQJ )URP WKH 3D\PHQWV 7UDQVIHUV PHQX VHOHFW ,QLWLDWH :LUH 7HPSODWH XQGHU :LUH 7UDQVIHU 3URFHVVLQJ

&OLFN ,QLWLDWH WR H[HFXWH WKH ZLUH

6HOHFW WKH 7HPSODWH 1DPH IURP WKH GURS GRZQ PHQX

5HYLHZ WKH &RQWDFW 1DPH DQG 3KRQH LQIRUPDWLRQ IRU DFFXUDF\ 1H[W HQWHU WKH DPRXQW WR EH GHELWHG

1RWH )RU VHFXULW\ SXUSRVHV WRNHQV DUH UHTXLUHG IRU DOO :LUH 7UDQVIHU WUDQVDFWLRQV DQG \RX ZLOO EH DVNHG WR HQWHU D SDVVFRGH RQ WKH ,QLWLDWH 7HPSODWH VFUHHQ

DOOLDQFHEDQN FRP

,QLWLDWH :LUH 7HPSODWH *URXS 7KLV IXQFWLRQ DOORZV \RX WR LQLWLDWH D SUH GH¿QHG JURXS RI UHSHWLWLYH ZLUH WUDQVIHUV IURP MXVW RQH VFUHHQ 3HQGLQJ WUDQVIHUV FDQ EH UHYLHZHG RU GHOHWHG DQ\WLPH SULRU WR SURFHVVLQJ )URP WKH 3D\PHQWV 7UDQVIHUV PHQX VHOHFW ,QLWLDWH :LUH 7HPSODWH *URXS XQGHU :LUH 7UDQVIHU 3URFHVVLQJ

&OLFN ,QLWLDWH WR H[HFXWH WKH ZLUH

6HOHFW WKH 7HPSODWH *URXS IURP WKH GURS GRZQ PHQX 6HOHFW WKH 7HPSODWH 1DPH IURP WKH JURXS WKDW \RX ZLVK WR LQLWLDWH E\ VHOHFWLQJ WKH FRUUHVSRQGLQJ ER[ 7R UHYLHZ GHWDLOV VLPSO\ FOLFN WKH PDJQLI\LQJ JODVV LFRQ XQGHU 'HWDLOV

1RWH )RU VHFXULW\ SXUSRVHV WRNHQV DUH UHTXLUHG IRU DOO :LUH 7UDQVIHU WUDQVDFWLRQV DQG \RX ZLOO EH DVNHG WR HQWHU D SDVVFRGH RQ WKH ,QLWLDWH 7HPSODWH VFUHHQ

$OOLDQFH %DQN 2QOLQH %DQNLQJ %LOO 3D\

,QLWLDWH )UHHIRUP 8VH WKLV IHDWXUH WR SURFHVV D ZLUH WUDQVIHU RQ D RQH WLPH EDVLV ,QLWLDWH )UHHIRUP GRHV QRW UHTXLUH WKH XVH RI D ZLUH WHPSODWH :KHQ \RX LQLWLDWH D IUHHIRUP ZLUH \RX PXVW ¿OO LQ DOO RI WKH LQIRUPDWLRQ PDQXDOO\ WKDW ZRXOG RWKHUZLVH UHVLGH LQ D WHPSODWH )UHHIRUP LQIRUPDWLRQ LV QRW VWRUHG LQ WKH V\VWHP VR LW FDQQRW EH UHXVHG )URP WKH 3D\PHQWV 7UDQVIHUV PHQX VHOHFW ,QLWLDWH )UHHIRUP XQGHU :LUH 7UDQVIHU 3URFHVVLQJ

&OLFN ,QLWLDWH WR SURFHVV WKH ZLUH WUDQVIHU

(QWHU WKH EHQH¿FLDU\ LQIRUPDWLRQ LQ WKH ¿HOGV SURYLGHG ,WHPV PDUNHG ZLWK DQ DVWHULVN DUH UHTXLUHG

6HOHFW WKH 'HELW $FFRXQW IURP WKH GURS GRZQ PHQX DQG HQWHU WKH WUDQVIHU GHWDLOV

1RWH )RU VHFXULW\ SXUSRVHV WRNHQV DUH UHTXLUHG IRU DOO :LUH 7UDQVIHU WUDQVDFWLRQV DQG \RX ZLOO EH DVNHG WR HQWHU D SDVVFRGH RQ WKH ,QLWLDWH )UHHIRUP VFUHHQ

DOOLDQFHEDQN FRP

$SSURYH 9LHZ :LUH $FWLYLW\ 7KH $SSURYH 9LHZ :LUH $FWLYLW\ IXQFWLRQ DOORZV \RX WR UHYLHZ UHFHQW DQG SHQGLQJ :LUH 7UDQVIHU DFWLYLW\ WR PDNH LQIRUPHG DSSURYDO GHFLVLRQV IURP RQH FRQYHQLHQW VFUHHQ ,I D XVHU H[FHHGV WKHLU SUH WUDQVDFWLRQ OLPLW DQG RU GDLO\ OLPLW RU \RX KDYH GXDO DSSURYDO DXWKRULW\ HQDEOHG WKH &RPSDQ\ $GPLQLVWUDWRU RU DQ DSSURYHG XVHU FDQ DSSURYH GHOHWH RU GHQ\ SHQGLQJ EDWFKHV (PDLO QRWL¿FDWLRQV DUH VHQW WR DOO XVHUV ZKR DSSURYH ZLUH WUDQVIHU WUDQVDFWLRQV WKDW DUH SHQGLQJ )URP WKH 3D\PHQWV 7UDQVIHUV PHQX VHOHFW $SSURYH 9LHZ :LUH $FWLYLW\ XQGHU :LUH 7UDQVIHU 3URFHVVLQJ

&OLFN 'HOHWH WR UHPRYH WKH ZLUH WUDQVIHU V ZLWKRXW SURFHVVLQJ 'HOHWHG ZLUHV ZLOO DSSHDU LQ WKH 6HQW :LUHV VHFWLRQ ZLWK D VWDWXV RI 'HOHWHG )LOO RXW WKH 'HQ\ :LUH PHVVDJH DQG FOLFN 'HQ\ WR VHQG LW EDFN WR WKH RULJLQDWRU IRU PRGL¿FDWLRQ DQG UH VXEPLWWDO

$ UHIHUHQFH GLVSOD\ RI \RXU DSSURYDO OLPLWV DSSHDUV DW WKH WRS RI WKH VFUHHQ

6HOHFW WKH 3HQGLQJ ,WHP V &OLFN $SSURYH WR VHQG WKH ZLUH WUDQVIHU V WR WKH )LQDQFLDO ,QVWLWXWLRQ IRU SURFHVVLQJ

1RWH &OLFN WKH PDJQLI\LQJ JODVV LFRQ IRU PRUH GHWDLOV DERXW WKH WUDQVIHU WR KHOS \RX GHWHUPLQH ZKHWKHU WR $SSURYH 'HOHWH RU 'HQ\

$OOLDQFH %DQN 2QOLQH %DQNLQJ %LOO 3D\

9LHZ :LUH $FWLYLW\ 7KH 9LHZ :LUH $FWLYLW\ IXQFWLRQ DOORZV \RX YLHZ RQO\ WKH :LUH DFWLYLW\ WKDW ZDV LQLWLDWHG E\ \RX 7KH VFUHHQ ZLOO GLVSOD\ WDEOHV IRU SHQGLQJ GHQLHG DQG VHQW :LUH 7UDQVIHU DFWLYLW\ IRU WKH SDVW FDOHQGDU GD\V )URP WKH 3D\PHQWV 7UDQVIHUV PHQX VHOHFW 9LHZ :LUH $FWLYLW\ XQGHU :LUH 7UDQVIHU 3URFHVVLQJ

7R GHOHWH D SHQGLQJ ZLUH VXEPLWWDO FOLFN WKH 6HOHFW FKHFNER[ DQG FOLFN WKH 'HOHWH EXWWRQ 7R UHVXEPLW D SHQGLQJ ZLUH VXEPLWWDO FKHFN WKH 6HOHFW ER[ DQG FOLFN WKH 5HVXEPLW EXWWRQ 7KLV EXWWRQ PD\ RU PD\ QRW EH GLVSOD\HG GHSHQGLQJ RQ ZKHWKHU WKLV RSWLRQ LV DYDLODEOH WR \RX

,I \RX KDYH D ODUJH QXPEHU RI WUDQVDFWLRQ UHFRUGV \RX ZLOO EH DEOH WR SDJH WKURXJK WKH OLVW XVLQJ )LUVW 3UHYLRXV DQG /DVW EXWWRQV DW WKH ERWWRP RI WKH WDEOH 7R VHH GHWDLOV IRU DQ\ WUDQVDFWLRQV OLVWHG RQ WKH VFUHHQ FOLFN WKH PDJQLI\LQJ JODVV LFRQ LQ WKH 'HWDLOV FROXPQ 7KH V\VWHP ODXQFKHV D VHFRQG EURZVHU ZLQGRZ IURP ZKLFK \RX FDQ YLHZ IXOO WUDQVIHU GHWDLOV LQ D VLPSOL¿HG UHDG RQO\ IRUPDW DQG DOORZV IRU HDV\ SULQWLQJ

DOOLDQFHEDQN FRP

&KHFN 5HRUGHU 7KHUH LV QRWKLQJ PRUH FRQYHQLHQW WKDQ EURZVLQJ DQ RQOLQH FDWDORJ WR RUGHU D QHZ VXSSO\ RI FKHFNV ZKHQ \RX DUH UXQQLQJ ORZ ,W¶V VDIH VHFXUH DQG HDV\ )URP WKH 2QOLQH 5HTXHVWV PHQX VHOHFW &KHFN 5HRUGHU XQGHU $GGLWLRQDO 6HUYLFHV

)URP WKH VFUHHQ FOLFN WKH GLVSOD\HG OLQN WR FRQWLQXH RUGHULQJ \RXU FKHFNV

$OOLDQFH %DQN 2QOLQH %DQNLQJ %LOO 3D\

2QOLQH 6WDWHPHQWV 9LHZ \RXU PRQWKO\ EDQN VWDWHPHQWV RQOLQH MXVW DV \RX ZRXOG VHH WKHP RQ SDSHU )URP WKH 2QOLQH 5HTXHVWV PHQX VHOHFW 2QOLQH 6WDWHPHQWV XQGHU $GGLWLRQDO 6HUYLFHV

&OLFN &KDQJH WR UHYLVH \RXU VWDWHPHQW QRWL¿FDWLRQ HPDLO DGGUHVV

6HOHFW WKH VWDWHPHQW GDWH \RX ZLVK WR YLHZ E\ XVLQJ WKH GURS GRZQ PHQX WKDW FRLQFLGHV ZLWK WKH GHVLUHG DFFRXQW QXPEHU &KRRVH ZKHWKHU \RX ZRXOG OLNH WR UHFHLYH D 31* 3RUWDEOH 1HWZRUN *UDSKLF RU 3') 3RUWDEOH 'RFXPHQW )RUPDW VWDWHPHQW DQG LI \RX ZRXOG OLNH WR YLHZ WKH EDFN RI WKH VWDWHPHQW DV ZHOO

DOOLDQFHEDQN FRP

DOOLDQFHEDQN FRP

0HPEHU )',&

Made with FlippingBook flipbook maker