3DJH
:DUQLQJ8VHRQO\GHWHUJHQWV
PDQXIDFWXUHGVSHFLILFDOO\IRUZDVKLQJ
PDFKLQHV
'HWHUJHQW VRIWHQHU DQG RWKHU FOHDQLQJ
DJHQWV
x $GGGHWHUJHQWDQGVRIWHQHUEHIRUHVWDUWLQJ
WKHZDVKLQJSURJUDPPH
x 1HYHU OHDYH WKH GHWHUJHQW GUDZHU RSHQ
ZKLOHWKHZDVKLQJSURJUDPPHLVUXQQLQJ
x :KHQ XVLQJ D SURJUDPPH ZLWKRXW
SUHZDVKGRQRWSXWDQ\GHWHUJHQWLQWRWKH
SUHZDVK FRPSDUWPHQW FRPSDUWPHQW QR
x ,QDSURJUDPPHZLWKSUHZDVKGRQRWSXW
OLTXLG GHWHUJHQW LQWR WKH SUHZDVK
FRPSDUWPHQWFRPSDUWPHQWQR
x 'RQRWVHOHFWDSURJUDPPHZLWKSUHZDVKLI
\RX DUH XVLQJ D GHWHUJHQW EDJ RU
GLVSHQVLQJEDOO3ODFHWKHGHWHUJHQWEDJRU
WKH GLVSHQVLQJ EDOO GLUHFWO\ DPRQJ WKH
ODXQGU\LQWKHPDFKLQH
x ,I \RX DUH XVLQJ OLTXLG GHWHUJHQW GR QRW
IRUJHWWRSODFHWKHOLTXLGGHWHUJHQWFXSLQWR
WKHPDLQZDVKFRPSDUWPHQWFRPSDUWPHQW
QR
8VLQJVRIWHQHUV
3RXU WKH VRIWHQHU LQWR WKH VRIWHQHU
FRPSDUWPHQWRIWKHGHWHUJHQWGUDZHU
x 'RQRWH[FHHGWKH!PD[OHYHOPDUNLQJ
LQWKHVRIWHQHUFRPSDUWPHQW
x ,IWKHVRIWHQHUKDVORVWLWV³IOXLGLW\´GLOXWHLW
ZLWK ZDWHU EHIRUH SRXULQJ LW LQWR WKH
GHWHUJHQWGUDZHU
8VLQJOLTXLGGHWHUJHQWV
,IWKHPDFKLQHKDVDOLTXLGGHWHUJHQWFXS
x 0DNHVXUHWKDW\RXKDYHSODFHGWKHOLTXLG
GHWHUJHQWFXSLQFRPSDUWPHQWQR
x ,IWKHOLTXLGGHWHUJHQWKDVORVWLWV³IOXLGLW\´
GLOXWHLWZLWKZDWHUEHIRUHSRXULQJLWLQWKH
GHWHUJHQWFXS
7DEOHWGHWHUJHQWVPD\OHDYHUHVLGXHVLQ
WKHGHWHUJHQWFRPSDUWPHQW,IWKLV
VKRXOGRFFXUSODFHWKHWDEOHWGHWHUJHQW
LQDPRQJVWWKHODXQGU\QHDUWKHORZHU
SDUWRIWKHGUXPIRUIXWXUHZDVKHV
8VHWKHWDEOHWRUJHOGHWHUJHQWZLWKRXW
VHOHFWLQJWKHSUHZDVKIXQFWLRQ
$GMXVWLQJGHWHUJHQWDPRXQW
7KHDPRXQWRIZDVKLQJGHWHUJHQWWREHXVHG
GHSHQGV RQ WKH DPRXQW RI ODXQGU\ WKH
GHJUHHRIVRLOLQJDQGZDWHUKDUGQHVV
x 'R QRW XVH DPRXQWV H[FHHGLQJ WKH
GRVDJH TXDQWLWLHV UHFRPPHQGHG RQ WKH
GHWHUJHQW SDFNDJH WR DYRLG SUREOHPV RI
H[FHVVLYH IRDP DQG SRRU ULQVLQJ 8VLQJ
WKH FRUUHFW DPRXQW ZLOO DOVR VDYH \RX
PRQH\DQGKHOSWKHHQYLURQPHQW
x 8VH OHVV GHWHUJHQW IRU VPDOO DPRXQWV RU
OLJKWO\VRLOHGFORWKHV
&KRRVLQJWKHGHWHUJHQWW\SH
7KH W\SH RI GHWHUJHQW WR EH XVHG GHSHQGV
RQWKHW\SHDQGFRORXURIWKHIDEULF
x 8VH GLIIHUHQW GHWHUJHQWV IRUFRORXUHG DQG
ZKLWHODXQGU\
x :DVK \RXU GHOLFDWH FORWKHV ZLWK VSHFLDO
GHWHUJHQWV RQO\ OLTXLG GHWHUJHQW ZRRO
VKDPSRR HWF XVHG VROHO\ IRU GHOLFDWH
FORWKHV
x :KHQZDVKLQJGDUNFRORXUHG FORWKHVDQG
TXLOWV LW LV UHFRPPHQGHG WR XVH D OLTXLG
GHWHUJHQW
x :DVK ZRROOHQV ZLWK VSHFLDO GHWHUJHQW
PDGHVSHFLILFDOO\IRUZRROOHQV
,I WKH PDFKLQH GRHV QRW KDYH D OLTXLG
GHWHUJHQWFXS
x 'RQRWXVHOLTXLGGHWHUJHQWIRUSUHZDVKLQJ
LQDSURJUDPPHZLWKSUHZDVK
x /LTXLGGHWHUJHQWVWDLQVFORWKHVZKHQXVHG
ZLWKWKH'HOD\HG6WDUWIXQFWLRQ,I\RXDUH
JRLQJWRXVHWKH'HOD\HG6WDUWIXQFWLRQGR
QRWXVHOLTXLGGHWHUJHQW
8VLQJJHODQGWDEOHWGHWHUJHQW
$SSO\ WKH IROORZLQJ LQVWUXFWLRQV ZKHQ XVLQJ
WDEOHWJHODQGVLPLODUGHWHUJHQWV
x ,IWKHJHOGHWHUJHQWWKLFNQHVVLVIOXLGDODQG
\RXU PDFKLQH GRHV QRWKDYH DGHGLFDWHG
OLTXLG GHWHUJHQW FXS SRXU WKH JHO
GHWHUJHQW LQWR WKH PDLQ ZDVK GHWHUJHQW
FRPSDUWPHQWGXULQJWKHILUVWZDWHULQWDNH
,I\RXUPDFKLQHKDVDOLTXLGGHWHUJHQWFXS
SRXU WKH GHWHUJHQW LQWR WKH FXS EHIRUH
VWDUWLQJWKHSURJUDPPH
x ,IWKHJHOGHWHUJHQWWKLFNQHVVLVQRWIOXLGDO
RU LW LV D FDSVXOH OLTXLG WDEOHW SODFH LW
GLUHFWO\LQWRWKHGUXPEHIRUHZDVKLQJ
x 3ODFHWDEOHWGHWHUJHQWVLQWRWKHPDLQZDVK
FRPSDUWPHQW FRPSDUWPHQW QR RU
GLUHFWO\LQWRWKHGUXPEHIRUHZDVKLQJ