-DQXDU\±3DUHQWV¶&OXE0HHWLQJ0LQXWHV
:HOFRPH
1HZVDQG,QIRUPDWLRQIURP0U*URKZLOOQRWEHDEOHWRDWWHQGGXHWR6FKRRO%RDUG0HHWLQJ
4XHVWLRQIURP0U*URK+RZZRXOGSDUHQW¶VIHHODERXWWKHVFKRROODEHOLQJFKLOGUHQ¶VLWHPVLIWKH\DUH
QRWDOUHDG\GRQHVR"
*URXSWKRXJKWV7KDWZRXOGEHILQH&RPPHQWE\WHDFKHUDWPHHWLQJWKDWORVWDQGIRXQGZLOOEH
GRQDWHGPRUHUHJXODUO\3DUHQWVZRQGHUHGDERXWWKDW:HQHHGWLPHWRQRWLFHWKDWVWXIILVPLVVLQJ
*UDQGSDUHQWV'D\)HEWK
7UHDVXUHU5HSRUW0LVV\+DUULV.LP0HLHU&DUQLYDO±VHHGHWDLOHGVWDWHPHQWDWPHHWLQJ
$FFRXQW%DODQFHV
R6DYLQJV
R&KHFNLQJ
R3OD\JURXQGIXQG
R&DUQLYDO
2XWVWDQGLQJ'HSRVLWV
R±'HVLJQVE\-LOO
R±%R[7RSV
R±5HWDLO*LIW&DUGSXUFKDVH
2XWVWDQGLQJ3D\PHQWV
R6FKRODUVKLSV
R$XWKRU:RUNVKRS-DQXDU\IRUUGWK
R6HQLRU/RFN,Q
R<HDUERRN
R+HOPHU3ULQWLQJ
0LVV\DQG-XOLHDUHJRLQJWRPHHWDORQJZLWKWKHUHJLVWHUUHSRUWVZHZLOOKDYHLQFRPHH[SHQVHUHSRUWVVRRQ
5HDGLQJ3LORWHG3URJUDP8SGDWH.DUHQ7KRHQGLVWULFWOLWHUDF\VSHFLDOLVW
6KRZHGZKHUHWKHPRQH\3DUHQWV¶&OXEGRQDWHGZHQW9DULRXVVHWVRIOHYHOHGERRNVDQGWHDFKHU
JXLGHV7HDFKHUVDQGVWXGHQWVDUHHQMR\LQJWKHQHZPDWHULDOV/LVDEURXJKWXSWDSLQJERRNVLI
FRQFHUQVDERXWKRZWKH\DUHKROGLQJXS
/LDELOLW\,QVXUDQFH/D'RQD0DKHU
5HFHLYHGDIHZSROLFLHVIURPWKH6HUYLFH$JHQF\&RVWRIRUSHU\HDU0LVVLHLVJRLQJWR
ORRNLQWRWKHPDQGORRNDWDQDGGLWLRQDOTXRWH
((67KHPHV,GHDV
³6RPHWKHPHVWKDWKDYHEHHQWRVVHGDURXQGDUHDJULFXOWXUHILVKLQJULYHUVLQGXVWU\FRPPXWHUVKXQWLQJ
IDPLO\HWF7KHVHFRXOGEHUHSUHVHQWHGLQYDULRXVKDOOZD\VDQGRSHQVSDFHVWKURXJKRXWWKHVFKRRO7KHJ\P
FRXOGVKRZFDVHSDVWDQGRUSUHVHQWVSRUWFOXEVDQGVWXGHQWV+LVWRULFDOSLFWXUHVFRXOGEHXVHGRIROGVFKRRO
EXLOGLQJV,OLNHWKHVHLGHDVEXW,GRQRWWKLQNWKDWLWVKRXOGVLPSO\FRPHIURPWKHERDUGWKDWLVZKHUH\RX
FRPHLQ
,DPKRSHIXOWKDWWKHWZR3DUHQW&OXEVPLJKWMRLQWRJHWKHUDVRQHDQGZRUNWRWKLQNRIVRPHZD\VWKDWZHFDQ
UHSUHVHQWRXUVWXGHQWVIDPLOLHVDQGFRPPXQLW\LQWKHQHZVSDFH<RXGRQ
WKDYHWRJRGRZQWRWKHODVWGHWDLO
EXWUDWKHUSURYLGHWKRXJKWVDQGLQVSLUDWLRQ7KLVDOVRPLJKWEHDIXQRSSRUWXQLW\WRMRLQWRJHWKHUDQGVWDUW
ZRUNLQJDVRQHFOXE´
3UDLULH9LHZ3DUHQWV¶&OXERIILFHUVDUHQRWLQWHUHVWHGLQEUDLQVWRUPLQJ-XOLHZLOODVN.DWLHDQG%DUU\WRVHWXSD
PHHWLQJDQGYDULRXVPHPEHUVZLOOWU\WRDWWHQG/DWH-DQXDU\VRPHWLPH
)XQGUDLVHU±2FWREHU&DQG\6DOH±7UDFL7XUQHU
&DQG\OHIWRYHU±1(('7283'$7(7+,6-XOLHFDQFRXQW
6HQWHPDLOWR3&IDPLOLHVLQQHZVOHWWHUWRDVNWRVHOORUEX\FDQG\
WKJUDGHUVVROGRIFDQG\DWWKH+ROLGD\&RQFHUW'HILQLWHO\ZRUWKLWDQGWKHNLGVHQMR\HGLWWRR
:KDWWRGRZLWKWKHOHIWRYHUFDQG\KRZPXFKGRZHVHOOLWIRU"
R$QQ$QGHUVRQ±VKHZDQWVWRORRNDWKHUFXUUHQWLQYHQWRU\ILUVW
R-XOLHVHQWDQHPDLOWREDVNHWEDOOZUHVWOLQJDVVRFLDWLRQV
RVSOLWDPRQJWHDFKHUVWRJLYHDVUHZDUGVWRVWXGHQWV"
RRWKHULGHDV"&$51,9$/)22'6+(/)7($&+(56/281*(
IDPLOLHVKDYHEHHQQRWLILHGE\HPDLO$SDSHUQRWHZLOOEHVHQWKRPHVRRQ
0RYLH3RSFRUQ±-DQXDU\WKDW6WDUWSRSSLQJDWDP
)XQGUDLVHU±1RYHPEHU6FULS5HWDLO*LIW&DUG6DOH±7UDFL7XUQHU
8SGDWHV)HHGEDFN
3URILWRI
8VHGWREX\VWDII&KULVWPDVJLIWV
+DGOHIWRYHU
/DVW\HDUZHKDGDSURILWDIWHUDOOVWDIIJLIWVZHUHSXUFKDVHGEXWPRUHJLIWVZHUHSXUFKDVHG
7KDQN\RX7UDFL.LP
)XQGUDLVHU±'HFHPEHU+ROLGD\%DNH6DOH±&KDULW\5HJOLQ&KULV%UDQGHQEXUJ
8SGDWHV)HHGEDFN
3URILWRI
WKJUDGHUVVROGRIFDQG\'HILQLWHO\ZRUWKLWDQGWKHNLGVHQMR\HGLWWRR
/DVW\HDU¶VSURILWZDVMXVWXQGHU
$Q\H[SHQVHV"
7KDQN\RX&KDULW\&KULV/D'RQD.ULVWDIRUKHOSLQJ
(OOVZRUWK(OHPHQWDU\$SSDUHO-XOLH6WROWHQEXUJ
6DOHH[WHQGHGWR-DQXDU\WK
3URILWVRIDU
:DQWWRJHWLQ3DQWKHU'HQ\HW
ZLOOGRDQRWKHUVDOH±WKLQNLQJQH[W2FWREHU
0D\EHRUGHUVRPHVKLUWVIRU&DUQLYDOEXFNHWUDIIOH
6WDII+ROLGD\*LIWV-XOLH6WROWHQEXUJ
0DQ\WKDQN\RX¶VIURPVWDII
*DYHJLIWFDUGVWR&RPPRQ0DQ%UHZHU\RU(OOVZRUWK&UHDPHU\
&KDQJHGJLIWDPRXQW±VSHQGRQDOOVWDIIKDGVWDIIWRWDOLQJZRUWKRIFDUGVVSHQW
)DPLO\)XQ(YHQW'HFHPEHU±'LYHLQ0RYLH1LJKW7LQD*LSIRUG
8SGDWHV)HHGEDFN
([SHQVHVDGPLVVLRQMXLFH"ER[HVRI%HVW0DLG&RRNLHVXVHG»ER[HV
VWXGHQWVIURP+LOOFUHVWIURP3UDLULH9LHZIURP/LQGJUHQ
6RPHPLGGOHVFKRROVWXGHQWVZHUHFKDUJHG$OOHOHPHQWDU\IDPLOLHVVKRXOGEHIUHH&RPPXQLFDWHGLIIHUHQWO\
ZLWKSRROVWDIIQH[W\HDU
7KDQN\RX±7LQD/D'RQD
)DPLO\)XQ(YHQW±-DQXDU\±6QRZ)XQ/LVD%HQFK
6DWXUGD\-DQXDU\WK±
)OLHUVWRJRKRPHZLWKVWXGHQWVZHHNRI-DQWK
:LOOSURYLGHFRRNLHVKRWFKRFRODWH±ZHKDYHVRPHLWHPVOHIWRYHUIURPSULRUIDPLO\IXQHYHQW
RDSSUR[LPDWHO\FRRNLHVOHIWERWWOHVRIZDWHUMXLFHER[HV
9ROXQWHHUV/LVDZLOOFRQWDFWFORVHUWRHYHQWRQFHZHNQRZZHDWKHU
)XQGUDLVHU±-DQXDU\±3L]]D6DOHV.ULVWD&DSDWVNH7LQD*LSIRUG/D'RQD0DKHU
)OLHUVJRKRPHWRVWXGHQWVRQ0RQGD\WK
'HOLYHUDWSDUHQWWHDFKHUFRQIHUHQFHVRQ
7RSVHOOLQJFODVVZLOOJHWDSL]]DSDUW\IURP3L]]D0DQ
/DVW\HDUSL]]DVZHUHVROGIRUDSURILWRI±\HDUEHIRUHSURILWZDV
9ROXQWHHUV±
)DPLO\)XQ(YHQW±)HEUXDU\±%RDUG*DPH1LJKW$P\+R\HU0LVV\+DUULV
)ULGD\)HEUXDU\WK±
3RSFRUQFRRNLHVZDWHUMXLFHER[HVSURYLGHGODVW\HDU
%RRN)DLUZLOOEHRSHQDVZHOO
)XQGUDLVHU±)HEUXDU\±%R[7RS&KDOOHQJH.LP0HLHU&U\VWDO-RKQVRQ
6XEZD\SDUW\IRUWKHFODVVZLWKWKHPRVWSRLQWV
'LVSOD\SURJUHVVOLNHSHQQLHVIRUSDWLHQWVGLGVHHLGHDVEHORZ
$QRWKHUVWRUDJHLGHDIRUQHZVFKRRORUQRZIURP0UV-DQVHQVHHEHORZ
%RRN)DLU±
:LOOQHHGYROXQWHHUVWRKHOS±FRQIHUHQFHVDQGSRVVLEO\IDPLO\IXQQLJKW±+DYHDVLJQXSVKHHW
3DUHQW7HDFKHU&RQIHUHQFH0HDOV/D'RQD0DKHU
0RQWKO\6WDII7UHDWVIRUSHRSOHUHPHPEHUJOXWHQIUHHDVZHOO/D'RQD0DKHU
+ROLGD\3DUW\-XLFH%R[HV
3URYLGHMXLFHVER[HVIRUVWXGHQWVDWSDUWLHVLQFOXGLQJ+DOORZHHQ&KULVWPDVDQG9DOHQWLQH¶V'D\
%DE\*LIWVHDFK-XOLH6WROWHQEXUJ0LVV\+DUULV
0LVV\¶VPRPZLOOGRQDWHDEDE\DIJKDQ±UHPHPEHUWRGRVRPHWKLQJQLFHIRUKHU
SXUFKDVHGLDSHUVZLSHVWDUJHWJLIWFDUGDQGEDVNHW
R.DUOL%R]\N±-XQH%R\
R6DUDK$LQVZRUWK±2FWREHUDGRSWD\HDUROGER\
R.ULVWD4XLQODQ±1RYHPEHU±*LUO
R/LQGD:DUQHU±-DQXDU\±QRWILQGLQJRXW
R$OLFLD0RUWK±-DQXDU\±GRQRWNQRZ\HW
R/LQGVH\3DXO±)HEUXDU\*LUO
0HUJLQJ393&+&3&LQFOXGH/LQGJUHQ
0RQWKO\1HZVOHWWHUV0HHWLQJ$JHQGDV0RQWKO\)DPLO\)XQ(YHQWVDUHVHQWE\HPDLO
(OHFWHG3UDLULH9LHZ3DUHQWV2UJDQL]DWLRQ2IILFHUV3UHVLGHQW5DFKHO%RZHQ9LFH3UHVLGHQW-HQ
$EEDV
7UHDVXUHU$P\0LFKHOV6HFUHWDU\-DPLH%URZQ
6WDII0HHWLQJV±-XOLH6WROWHQEXUJZLOODWWHQG[PRQWK±7KXUVGD\±ZLOOKDYHPLQXWHV
/HW-XOLHNQRZLI\RXZRXOGOLNHWRDWWHQGDQ\WKLQJ\RXZRXOGOLNHWRVKDUH
'UDZVWULQJ%DJV±.ULVWD&DSDWVNH
3RVVLELOLW\IRUSXUFKDVHIRUDILHOGGD\JLIWZLWKQHZVFKRROQDPHHWFIRUEDJVSOXVVFUHHQSULQWFRVW
FDQJHWWKHPVFUHHQSULQWHG
:LOOQHHGWRLQFOXGH39/LQGJUHQ
R+LOOFUHVW±
R3UDLULH9LHZ±
R/LQGJUHQ±
R(DUO\&KLOGKRRG±
R727$/ 6WXGHQWV
1HZ%XVLQHVV
'R\RXIHHO\RXDUHLQIRUPHGHQRXJKDQGLQFOXGHGZLWKZKDWLVKDSSHQLQJZLWKWKH3DUHQWV¶&OXE",IQRWSOHDVH
JLYHVXJJHVWLRQVRQKRZWRLPSURYH
7KRXJKWV6XJJHVWLRQV
8SFRPLQJ'DWHV
0RQGD\-DQXDU\3DUHQWV¶&OXEPHHWLQJLQ+LOOFUHVWOLEUDU\#SP&KLOGFDUHSURYLGHGLQJ\P
±)XQGUDLVHU)UR]HQ3L]]D6DOH%HJLQV2UGHUIRUPVZLOOJRKRPHZLWKVWXGHQWV
0RQGD\-DQXDU\&DUQLYDO0HHWLQJLQ+LOOFUHVWOLEUDU\#SP
)ULGD\-DQXDU\126&+22/
7XHVGD\-DQXDU\)XQGUDLVHU)UR]HQ3L]]D6DOH(QGV2UGHUDQGPRQH\PXVWEHWXUQHGLQE\WKLVGDWH
6DWXUGD\-DQXDU\0RQWKO\)DPLO\)XQ(YHQW6QRZ)XQSDUW\KRWFRFRDDQGVQDFNVSURYLGHG
0RQGD\)HEUXDU\3DUHQWV¶&OXEPHHWLQJLQ+LOOFUHVWOLEUDU\#SP&KLOGFDUHSURYLGHGLQJ\P
)XQGUDLVHU%R[7RS&KDOOHQJH7KHFODVVWKDWKDVWKHPRVWER[WRSVZLOOJHWD6XEZD\3DUW\
%RRN)DLULQWKH+LOOFUHVW/LEUDU\
7KXUVGD\)HEUXDU\3DUHQW7HDFKHU&RQIHUHQFHV#SP
7KXUVGD\)HEUXDU\)XQGUDLVHU)UR]HQ3L]]DSLFNXSDW3DUHQW7HDFKHU&RQIHUHQFHV
)ULGD\)HEUXDU\0RQWKO\)DPLO\)XQ(YHQW%RDUG*DPH1LJKW#SPLQ+LOOFUHVWJ\P%ULQJDJDPHSRSFRUQ
FRRNLHVZDWHUSURYLGHG
0RQGD\)HEUXDU\&DUQLYDO0HHWLQJLQ+LOOFUHVWOLEUDU\#SP
0RQGD\)HEUXDU\126&+22/
7KXUVGD\)HEUXDU\3DUHQW7HDFKHU&RQIHUHQFHV#SP
© Copyright 2026 Paperzz