WicAcFJ;vJ;r;
WICAw>tk.o;eD.*H>
ySRw*RArhwrh>A[H.zdCDzdtrHRAvXw>&J.usJR
vDRympXRAw>u[h.w>tD.t*D>I
w>pl;ugtDRwohwcsK;vXA(“Not Good
Before”) rh>rk>eHRvXAw>pl;ugAcFJ;vJ;r;AtqdtcV
uwX>ohAtrk>eHRM.vDRI
w>pl;ugtDRwohvXtvD>cHA
(“Not Good After”)
rh>rk>eHRvXAw>pl;ugcFJ;vJ;r;
ohAtvD>cHuwX>woDohM.vDRI
[h.vDRwH>vDRqJ; (“Pay
Exactly”)Aw>uGDR
M.Arh>w>vD>vXAySRqgw>zdA
xXEkmvDRw>zdw>vHRAtyOR
cJvXmAvXw>yORtDRvXAcFJ;vJ;r;
tzDcd.t*D>M.vDRI
w>tD.vXAySREkmvDRy.CkmrRoud;w>Aub.yORvXcFJ;vJ;r;tHRI
pl;ugANYS WICAw>tD.c;uhvXAw>wl>vdmtDRohAvXuym
zsgxD.w>tD.vXtb.twDwuh>I
3781 (Karen)
w>tusdRzJAySREkmvDRy.CkmrRoud;w>Arhwrh>AcX.p;qJ;
vDRrHRvXAxd.'H;bdxHtvgtJ;Arhwrh>AtolAzJw>xXEkm
vDRA'Dv.teD.*H>vXtb.vXAw>uGD>ylRAtvD>cHM.vDRI
w>tusdRvXAySREkmvDRy.CkmrRoud;w>Arhwrh>AcX.p;uGJ;vDReHRoDvXAxd.'H;bd
xHtvgtJ;Arhwrh>Atol<Apl;uguh>*DR'dwcgCDAzJw>uGJ;eHRoDzJAttd.vX
w>pl;ugtDRwohwcsK;vX§w>pl;ugtDRwohvXtvD>cH (Not Good
Before/Not Good After)Aw>uGD>'dwz.tylR<AzJw>zXEkmvDRA'Dv.
teD.*H>vXtb.vXA[h.vDRwH>vDRqJ; (“Pay Exactly”)At'XylRA
tvD>cHM.vDRI
01/16
Aw>[h.ul.vXt&h'd.wz.
1I
wcsK;vXevJRyORw>M.<ArRvDRwH>vXetd.'D;=
• eWICAw>tk.o;c;uhI
• WICAw>&J.w>usJRw>tD.c;uhvXw>wl>vdmtDRohI
• eWICAcFJ;vJ;r;wz.vXAw>wqJ;vDRrHRCkm'D;AeHRoDvXtzd;oJp;wz.I
2I
zJevJRyORw>tuwD>=
• uG>vDRwH>vDRqJ;vXAw>uGJ;vDRw>rEkRvXAcFJ;vJ;r;tzDcd.vJ.M.wuh>I
• w>pl;ugAWICAw>&J.w>usJRw>tD.c;uhAvXw>wl>vdmtDRohAvXurRpXR
eRvXw>CkxXAw>tD.vXWICA[h.tcGJ;wz.AvXecFJ;vJ;r;tzDcd.M.vDRI
• eWICAcFJ;vJ;r;uwJeRvXerRM>AyeHmwcgpkmpkmA(1A'X)A'D;t'd.tqH;(64AtD.p;)A
xJvJ.M.vDRI
3I
wcsK;[h.ph[;xD.uGHm=
•Arh>w>uGJ;&J.vDRAw>tD.trHRcJvXmAvXcFJ;vJ;r;wbh.pkmpkmAtvdRvH{gI
4I
zJevJRyORw>tuwD>=
•Awb.pl;ugAw>[h.phvXtcV<A[h.vDRpheD><Arhwrh>Aw>[h.vDRphvXeD>up>'.0JA
tusdRw*hRI
•AymvDReAWICAw>zdw>vHRvXAw>vD>vXySR[h.vDRphtvD>AymzSd.tDRwylRCD'D;A
cFJ;vJ;r;wuh>I
•AymvDRWICAcFJ;vJ;r;vXAw>wqJ;vDRrHRAvXtvDR*mvdmo;AvXw>zdw>vHR
tu%l>wz.pkmpkmtHRAtzDcd.wuh>I
•AwJb.ySRwl>vdmphvXAeupl;ugeWICAcFJ;vJ;r;wz.wuh>I
•Awb.qJ;vDRqdrHRvXAeWICAcFJ;vJ;r;tzDcd.AeDwbsDw*hRI
•AzJySRwl>vdmphuGJ;vDRAw>vXmbl.vXmphRcJvXmvXA[h.vDRwH>vDRqJ;A(“PAY
EXACTLY”)AtylRtvD>cHM.<AqJ;vDRrHR'D;uGJ;vDReHRoDvXcFJ;vJ;r;tylRA
'D;xd.'H;bdxHtvGJ>vgtJ;Arhwrh>AtxHolwuh>I
•Aw>vd.b.vXAcFJ;vJ;r;wz.M.Aw>uGJ;vDRAeHRoD'fAvg§oD§eH.A
(t'd=A04§12§2015)AM.vDRI
•Aw>tHR*hR0Jph>uD;vXAw>upl;ugeHRoDtuh>t*DRt'dwz.A
vXw>nDEk>pl;ugtDRvXAuD>trJ&uRtylRA
(t'd=A4§12§15<A04§12§15)AM.vDRI
•Aw*hRvXAw>upl;ugvHmrJmzsX.vXAw>uGJ;AvgA
(t'd=Avgthjzh.A12<A2015)Ab.M.vDRI
•AzJySREkmvDRy.CkmrRoud;w>Arhwrh>AcX.p;AuGJ;ur.vDReHRoDAvXcFJ;
vJ;r;tylRM.<AySREkmvDRy.CkmrRoud;w>§cX.p;A-uX;wdRvDR
yedwbdvXAeHRoDtvdR<AqJ;vDRrHR'D;uGJ;vDReHRoDvXtb.A
vXw>ur.tzDcd.vDRI
•Aw>pl;ugAw>yeD.vXAt'dvDRrk>eHRrk>oDvXAuymzsgA?rk>eHR/A
vXcFJ;vJ;r;tzDcd.wohb.I
wb.qJ;vDRrHR'D;AuGJ;vDReHRoDvXeWIC
AcFJ;vJ;r;tzDcd.AwkRvXySRwl>vdmphuGJ;vDR
ephcJvXmymzSd.vXAcFJ;vJ;r;tzDcd.b.I
Atd.uwJmuwDRo;vH{gIA0HRvH{gIAp;xD.yORw>!