'LQRVDXU7UDLQLQJDEEUHYLDWHZRUNRXWV

'LQRVDXU7UDLQLQJ
$ERXW0H

6KRZLQJSRVWVZLWKODEHODEEUHYLDWHZRUNRXWV 6KRZDOOSRVWV

%URRNV.XELN
9LHZP\FRPSOHWH
SURILOH

$Q,QWHUHVWLQJ7UDLQLQJ4XHVWLRQ
+DLOWRWKH'LQRVDXUV
:H
OOFRYHUWRGD\
VWUDLQLQJTXHVWLRQLQMXVW
DPLQXWHEXWIRUVWOHWPHFRYHUVRPHQHZV
DQGXSGDWHV
'LQRVDXU7UDLQLQJ6HFUHWV9RO
+DVEHFRPHDFHUWLILHGEHVWVHOOHURQ$PD]RQ
EODVWLQJLQWRWKHWRSOLVWIRULWVFDWHJRU\
DQGHYHQPDNLQJLWXSWRQXPEHURQWKH
OLVWIRUDZKLOH
7KDW
VJUHDWEHFDXVHLWVKRZV\RXMXVWKRZ
PDQ\SHRSOHDURXQGWKHZRUOGDUHLQWHUHVWHG
LQKDUGQRVHGROGIDVKLRQHGVWUHQJWKWUDLQLQJ
DQGPXVFOHEXLOGLQJ
,I\RXKDYHQ
WDOUHDG\JUDEEHGDFRS\QRZ
V
WKHWLPH
KWWSZZZEURRNVNXELNFRPGLQRVDXUBVHFUHWVBKWPO

/DEHOV
EXLOGLQJVWUHQJWKDQGPXVFOH

IUHG

KRZHOO
GLQRVDXUPLQGSRZHU

V XFFHVV

VWRULHV
V WUHQJWKPXVFOHDQGSRZHU

LURQ

JDPHKLVWRU\

UHSVTXDWV
[WUDLQLQJ
D
DEZRUN
DEEUHYLDWHZRUNRXWV
DEEUHYLDWHGWUDLQLQJ
DEEUHYLDWHGZRUNRXWV
DGYDQFHGOLIWHUV
DODQFDOYHUW
DODQVWHSKDQ
DOORXWH[HUFLVHV
DPHULFDQVWUHQJWKDQGKHDOWKOHDJXH

$QGSOHDVHSRVWDUHYLHZRQWKH$PD]RQ
VLWH7KHUHYLHZVUHDOO\KHOSWRVSUHDGWKH
ZRUG5HPHPEHUWKHUHDUHVWLOOSOHQW\RI
WUDLQHHVZKRGRQ
WNQRZD'LQRVDXUIURP
DGRQXW<RXUUHYLHZVKHOSEULQJWKHPLQWR
WKH'LQR*\PDQGWKDW
VDJRRGSODFHIRU
WKHP
7KH'LQRVDXU)LOHVTXDUWHUO\,VVXH1R
,VEHLQJSULQWHGWKLVZHHNDQGZHVKRXOGEH
DEOHWRVKLSWKHOLWWOHPRQVWHURQ)ULGD\RU
0RQGD\*RKHUHWRJUDE\RXUFRS\
KWWSZZZEURRNVNXELNFRPGLQRVDXUILOHVBTXDUWHUO\KWPO
2QWKHWUDLQLQJIURQWKHUH
VDQHPDLOWKDW
FDPHLQWKLVZHHNZLWKDQLQWHUHVWLQJ
WUDLQLQJTXHVWLRQ
,UHDOO\ZDQWHGWRWKDQN\RXIRUDOORZLQJ
SHRSOHOLYLQJRYHUVHDVWRUHDG\RXUQHZ
ERRNRQ.LQGOH,ZDLWHGDORQJWLPHIRU
WKDW,KRSH\RXURWKHUERRNVZLOOEHRQ
.LQGOHDVZHOO
,ILQLVKHGWKHERRNDQG,DPJRLQJWR
LPSOHPHQWVRPHRIWKHLGHDV
,KDYHRQHTXHVWLRQ

DSROORQZKHHOV
DUWKXUVD[RQ
DXWRJUDSKUHTXHVWV
DYRLGLQJDFFLGHQWV
EDFNVSHFLDOL]DWLRQ
EDFNWRWKHEDVLFV
EDFNWUDLQLQJ
EDUEHOOWUDLQLQJ
EDUUHOOLIWLQJ
EDVLFH[HUFLVHV
%DVLF7UDLQLQJ
EHJLQQHUV
EHQFKSUHVVLQJ
EHUQDUUPDFIDGGHQ
ELOOKLQEHUQ
ELOONRFLDED
ELOO\YDQ
ELUWKGD\RUGHUV
EODFNLURQWKHMRKQGDYLVVWRU\
EREKRIIPDQ
ERESHRSOHV
ERG\EXLOGLQJ
ERG\ZHLJKWH[HUFLVHV
ERG\ZHLJKWWUDLQLQJ
ERQHEURWK
ERQHVWUHQJWK

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHODEEUHYLDWHZRUNRXWV





'LQRVDXU7UDLQLQJDEEUHYLDWHZRUNRXWV

,FDQ
WWUDLQWKUHHGD\VSHUZHHNIRUDQ
KRXUHDFKWLPH,FDQWUDLQIRXUGD\VIRU
PLQXWHV
&DQ,WDNHWKHWKUHHGD\VDQGVSDQLW
DFURVVIRXU"

ERVFR
EUDGOH\MVWHLQHU
EUHDNLQJDSODWHDX
EUHDWKLQJVTXDWV
%URRNV.XELN
%UXQR6DPPDUWLQR

$YLFKDO
7KDQNVIRU\RXUHPDLODQG\RXUNLQGZRUGV
$YLFKDO,
PJODGWKHHERRNRSWLRQKDVZRUNHG
IRU\RX:H
OOFRQWLQXHWRPDNHSOHQW\RIJUHDW
'LQRVDXU7UDLQLQJLQIRDYDLODEOHRQ.LQGOH
DVZHOODVLQKDUGFRS\IRUWKRVHZKRSUHIHU
WKHKDUGFRS\RSWLRQ
,
PDOVRJODG\RXDUHJRLQJWRWDNHDFWLRQDQG
LPSOHPHQWVRPHRIWKHLGHDVLQWKHERRN7KDW
V
LPSRUWDQW7RRPDQ\SHRSOHUHDGDERRNJHWDOO
H[FLWHGDERXWLWDQGWKHQIDLOWRWDNHDFWLRQ
7KDW
VDVKDPHEHFDXVHLQVWUHQJWKWUDLQLQJ
WDNLQJDFWLRQLVDOZD\VLPSRUWDQWWRSXWLW
PLOGO\
$VIRU\RXUTXHVWLRQ,WDNHLWWKDW\RXDUH
ORRNLQJDWDWKUHHGD\SHUZHHNGLYLGHG
ZRUNRXWDQGDVNLQJLI\RXFDQVSOLWLWLQWR
IRXUVHVVLRQV
1RWDGGH[WUDH[HUFLVHVEXWVSOLWWKHWKUHHGD\
SURJUDP,RXWOLQHGLQWKHERRNLQWRIRXUGD\V
<RXGHILQLWHO\FDQGRWKDW,
YHGRQHLWEHIRUH
ZLWKJRRGVXFFHVV
-XVWEHVXUHQRWWRGRH[HUFLVHVRQEDFNWR
EDFNGD\VWKDWZRXOGKLWWKHVDPHPXVFOH
JURXSV'RLQJVTXDWVRQHGD\DQGGHDGOLIWV
WKHQH[WGD\ZRXOGEHDEDGLGHDIRUPRVW
RIXV
<RXPLJKWWU\SXWWLQJ\RXUDUPH[HUFLVHV
WRJHWKHURQRQHGD\7KDW
VKRZ,GLGLW
DQGLWZRUNHGZHOO,KDGPRUHWLPHDQG
HQHUJ\WRIRFXVRQVTXDWVDQGGHDGOLIWV
RQWKHGD\VZKHQ,GLGWKRVHH[HUFLVHV
2U\RXPLJKWGR\RXUJXWJULSDQGQHFN
ZRUNRQHGD\SHUZHHNDOOLQRQHZRUNRXW
$QRWKHURSWLRQLVWRWUDLQWKUHHGD\VSHUZHHN
EXWXVHIRXUGLIIHUHQWZRUNRXWV6R\RXZRXOG
GRWKHILUVWWKUHHZRUNRXWVLQZHHNDQGLQ
ZHHN\RXZRXOGGRWKHIRXUWKZRUNRXW
IROORZHGE\WKHILUVWDQGVHFRQGZRUNRXWV
DQGFRQWLQXHLQZHHNZLWKZRUNRXWVWKUHH
IRXUDQGRQH
7KDW
VQRWDEDGZD\WRGRWKLQJV,WEXLOGV
SOHQW\RIYDULHW\LQWR\RXUZHHNO\VFKHGXOH
$WKLUGRSWLRQLVWRWUDLQDOLWWOHELWIDVWHU
DQGVHHLI\RXFDQVTXHH]HHYHU\WKLQJ\RX
QHHGWRGRLQWRDRUPLQXWHZRUNRXW
WKUHHWLPHVSHUZHHN

EXLOGLQJPXVFOHPDVV
EXLOGLQJVWUHQJWKDQGPXVFOH
FDEOHWUDLQLQJ
FDUGLRWUDLQLQJIRUOLIWHUV
FDUOODQRUH
FHOODUGZHOOHUVDQGJDUDJHJRULOODV

FKDONDQGVZHDW
FKDPSLRQVKLSOLIWLQJ
FKDPSLRQVKLSWKLQNLQJ
FKDUDFWHU
FKDUOHVSROLTXLQ
&KULVWPDVRUGHUV
&KULVWPDVVWRU\
FODUHQFHEDVV
FOHYLRPDVVLPR
FROGZHDWKHUWUDLQLQJWLSV
FRPEDWWUDLQLQJ
FRPPRQVHQVHWUDLQLQJ
FRPSRXQGH[HUFLVHV
FRQFHQWUDWLRQ
FRQGLWLRQLQJZRUNRXWV
FRQILGHQFH
FRQVLVWHQF\
FRUHWUDLQLQJ
FRXUDJH
FXUOV
G
GDYHGUDSHU
VWRSVTXDW
GDYHSURZVH
GHDGOLIWV
GHHSEUHDWKLQJ
GHOOLQJHUILOHV
GLHWDQGQXWULWLRQWLSV
GLIIHUHQWZD\VWRXVHDEDUEHOO
GLQJVDQGGHQWV
GLQRFDUGLR
GLQRILOHV
GLQRQHZV
GLQRQXWULWLRQ
GLQRXSGDWHV
GLQRVKHOSGLQRV
GLQRVDXUDUPWUDLQLQJ
GLQRVDXUERG\ZHLJKWWUDLQLQJ
GLQRVDXUEUHDNIDVWV
GLQRVDXUFKDOOHQJH
GLQRVDXUGLHW

6RWKRVHDUHWKHRSWLRQV&KRRVHRQHDQG
JLYHLWDWU\DQGNHHSPHSRVWHGRQ\RXU
SURJUHVV
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHODEEUHYLDWHZRUNRXWV

GLQRVDXUGXPEEHOOWUDLQLQJ
GLQRVDXUGYG
V
GLQRVDXUHERRNV




'LQRVDXU7UDLQLQJDEEUHYLDWHZRUNRXWV

7RHYHU\RQHDVDOZD\VWKDQNVIRUUHDGLQJ
DQGKDYHDJUHDWGD\LI\RXWUDLQWRGD\PDNH
LWDJRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN
36+HUH
VWKHOLQNDJDLQIRUWKHQHZ'LQRVDXU
)LOHVTXDUWHUO\
KWWSZZZEURRNVNXELNFRPGLQRVDXUILOHVBTXDUWHUO\KWPO

GLQRVDXUH[HUFLVHV
GLQRVDXUIHHGEDFN
'LQRVDXU)LOHV
GLQRVDXUILOHVQHZVOHWWHU
GLQRVDXUILOHVTXDUWHUO\
GLQRVDXUJDUGHQLQJ
GLQRVDXUJ\PV
GLQRVDXUPHDOV
GLQRVDXUPLQGSRZHU
GLQRVDXUPXVFOHVKLUWV
GLQRVDXUQHZV

360\RWKHUERRNVDQGFRXUVHVDUHULJKW
KHUHDWGLQRVDXU+HDGTXDUWHUV
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
367KRXJKWIRUWKH'D\5HDGVWXG\
WKLQNDQGSODQDQGWDNHDFWLRQ
%URRNV.XELN


3RVWHGE\%URRNV.XELNDW$0
/DEHOVDEEUHYLDWHZRUNRXWV'LQRVDXU)LOHVGLQRVDXUWUDLQLQJHERRNGLQRVDXU
ZRUNRXWVGLYLGHGZRUNRXWVUHDOZRUOGWUDLQLQJ

GLQRVDXUQXWULWLRQ
GLQRVDXUSRGFDVWV
GLQRVDXUSURGXFWV
GLQRVDXUUHFLSHV
GLQRVDXUVHPLQDUV
GLQRVDXUVWUHQJWKWUDLQLQJDUFKLYH
GLQRVDXUWVKLUWV
'LQRVDXU7UDLQLQJ
GLQRVDXUWUDLQLQJGYG
V
GLQRVDXUWUDLQLQJHERRN
GLQRVDXUWUDLQLQJHERRNV

,VWKLV2YHUWUDLQLQJ"

GLQRVDXUWUDLQLQJKRRGLHV

+DLOWRWKH'LQRVDXUV

GLQRVDXUWUDLQLQJSURJUDPV

$TXLFNQRWHEHIRUHWRGD\
VPHVVDJH
,
OOEHRQ6XSHU+XPDQ5DGLRWRGD\IURP
WR(67&DWFKWKHVKRZOLYH
RUOLVWHQWRWKHGRZQORDG
7KH6XSHU+XPDQ5DGLRKRPHSDJHLVULJKW
KHUH
KWWSVXSHUKXPDQUDGLRFRP
+RSH\RXFDQMRLQXV
2QWKHWUDLQLQJIURQWKHUH
VDQHPDLO
IURP5RE5LFKOH\ZLWKDWUDLQLQJTXHVWLRQ

GLQRVDXUWUDLQLQJSURGXFWV
GLQRVDXUWUDLQLQJVHFUHWV
GLQRVDXUWUDLQLQJVHPLQDUV
GLQRVDXUWUDLQLQJXSGDWHV
GLQRVDXUXSGDWHV
GLQRVDXUZRUNRXWV
GLQRVDXWWVKLUWV
GLYLGHGZRUNRXWV
GRXJKHSEXUQ
GUNHQ
GUNHQOHLVWQHU
GUXJIUHHWUDLQLQJ
GXPEEHOOH[HUFLVHV
GXPEEHOOSUHVVHV
GXPEEHOOWUDLQLQJ

+L%URRNV
,DOZD\VWUDLQEHIRUHZRNDWDPDQG
DV,DPSUHVVHGIRUWLPH,SUHIHUDGD\
URXWLQHZLWKRQO\DIHZPRYHPHQWVSHU
VHVVLRQ
,CPFXUUHQWO\GRLQJWKLV

GXPEEHOOZRUNRXWV
HGMXELQYLOOH
HQMR\\RXUWUDLQLQJ
HQWKXVLDVP
HULFILRULOOR
H\HKHDOWK
IDUPHU
VZDON

0RQ,QFOLQH'%SUHVV

)DWKHU/DQJH

7XH5RZRUZHLJKWHGSXOOXS

IDYRULWHH[HUFLVHV

7KXUVGD\3UHVV

)DWKHU
V'D\
IHDWVRIVWUHQJWK
IHHGEDFNIURPGLQRVDXUV

)UL6TXDW7UDS%DU'HDGOLIW

ILQLVKHUV

5HFHQWO\,CYHUHDGWKLVURXWLQHFRXOG
EHEDGIRUWKHVKRXOGHUVEHFDXVHWKH\
DUHDFWXDOO\EHLQJKLWWKUHHWLPHVSHU

IRFXV

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHODEEUHYLDWHZRUNRXWV

IOH[LELOLW\
IRRGVXSSOHPHQWV
IRUHDUPH[HUFLVHV




'LQRVDXU7UDLQLQJDEEUHYLDWHZRUNRXWV

ZHHNRQ0RQ7XHVDQG7KXUVGD\
,VWKHUHDQ\RWKHUZD\RIVWUXFWXULQJ
LWWRNHHSLWVKRUWDQGSURGXFWLYH
ZLWKRXWKLWWLQJWKHVKRXOGHUVWRR
PXFK"
5RE
5RE7KDQNVIRUWKHHPDLODQGWKH
TXHVWLRQ,W
VVLPLODUWRPDQ\HPDLOV
,JHWDERXWZRUNRXWIUHTXHQF\
,GR127WKLQN\RX
UHWUDLQLQJ\RXU
VKRXOGHUVWRRRIWHQ
7KH0RQDQG7XHVZRUNRXWVLQYROYHWKH
VKRXOGHUVEXWWKHRQO\GD\ZKHUH\RX
KLWWKHVKRXOGHUVKDUGZLWKDGLUHFW
H[HUFLVHLV7KXUVZKHQ\RXGRWKH
RYHUKHDGSUHVV7KDW
VQRWWRRPXFK
ZRUNDWDOO(VSHFLDOO\LI\RX
UH
RQO\GRLQJRQHH[HUFLVHSHUZRUNRXW
DQGXVLQJVHQVLEOHVHWVDQGUHSV
1RZLI\RXUVKRXOGHUVDUHERWKHULQJ
\RXWKHUH
VDSUREOHPDQG\RXQHHGWR
ILJXUHRXWZKDWLWLV,W
VQRWWRR
PXFKWUDLQLQJEXWLWPLJKWEHKRZ
\RXSHUIRUP\RXUH[HUFLVHVRU\RXPD\
EHJRLQJWRRKHDY\WRRRIWHQRU\RXPD\
QHHGWRFKDQJHH[HUFLVHVDELW
)RUH[DPSOHLI\RXJRKHDY\RQWKH
'%LQFOLQHSUHVVDQGORZHUWKHEHOOV
WRRIDUWRJHWDVWUHWFK\RXFDQ
KXUW\RXUVKRXOGHUV,QIDFWWKDW
V
QRWDWDOOXQFRPPRQ
2URQZHLJKWHGSXOOXSV\RXPLJKW
GURSWRRIDVWWZLVWDV\RXSXOO\RXU
ERG\XSRUVWUHWFKWRRPXFKDWWKH
ERWWRPRIWKHUHSDQGKXUW\RXUVHOI
$JDLQWKDW
VQRWXQFRPPRQ
2U\RXPLJKWILQGWKDWEDUEHOOSUHVVHV
DUHKDUGRQ\RXUVKRXOGHUVEXWSXVK
SUHVVHVDUHILQHRUGXPEEHOOSUHVVHV
DUHILQH
$Q\KRZ\RXUSURJUDPORRNVJRRG'RQ
W
FKDQJHLWMXVWEHFDXVHRIVRPHWKLQJ
\RXUHDGRQWKHLQWHUZHEV:KLFKLV
DZKROHRWKHUGLVFXVVLRQ\RXFDQ
W
LPDJLQHKRZPDQ\JX\VDQGJDOVJHWRII
FRXUVHEHFDXVHRIVWXIIWKH\UHDGRQ
WKHLQWHUZHEV%XWZH
OOFRYHUWKDW
WRSLFDQRWKHUGD\
7RHYHU\RQHDVDOZD\VWKDQNVIRU
UHDGLQJDQGKDYHDJUHDWGD\,I\RX
WUDLQWRGD\PDNHLWDJRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN

IUDQNOHLJKW
IUDQNVSHOOPDQ
IUHHUDQJHHJJV
IUHVKYHJHWDEOHV
JDLQLQJZHLJKW
JDUGHQLQJ
JHRUJHHLIHUPDQ
JHRUJHIMRZHWW
JHRUJHKDFNHQVKPLGW
JHWWLQJVWDUWHG
JRDOVHWWLQJ
JRLQJVWURQJDW
JUDFLHEDUG
JUDVVIHGPHDW
JUD\KDLUDQGEODFNLURQ
JULSH[HUFLVHV
JULSH[HUFLVHVGLQRVDXUH[HUFLVHV
JULSWUDLQLQJ
JURXQGEDVHGWUDLQLQJ
JXWZRUN
KDQGEDODQFLQJ
KDQGVWDQGSXVKXSV
KDUGZRUN
KDUGJDLQHUV
KDUU\JRRG
KDUU\SDVFKDOO
KDUU\SDVFKDOOPHPRULDOIXQG
KHDOWK\HDWLQJ
KHDOWK\MRLQWV
KHDOWK\NLGV
KHDY\DZNZDUGREMHFWV
KHDY\LURQ
KHDY\SDUWLDOV
KHDY\VLQJOHV
KHOSLQJRWKHUV
KHQU\ZKLWWHQEHUJ
KHQU\ZLWWHQEHUJ
KHUPDQJRHUQHU
KLJKLQWHQVLW\WUDLQLQJ
KLNLQJ
KROLGD\JUHHWLQJV
KRPHJ\PHTXLSPHQW
KRPHJ\PWUDLQLQJ
KRQHVWZHLJKWV
+RUDWLXV
KRWZHDWKHUWUDLQLQJWLSV
KRZWRXVHDEDUEHOO
KXQWLQJ
KXUULFDQHVDQG\
LQGLDQFOXEV
LQMXULHV
LQWHUPHGLDWHV
LQWURYHUWVDQGH[WURYHUWV
LURQJDPHKLVWRU\
LURQOHDJXH
,URQ0DQ

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHODEEUHYLDWHZRUNRXWV





'LQRVDXU7UDLQLQJDEEUHYLDWHZRUNRXWV

36)RUPRUHDGYLFHDERXWEXLOGLQJ
VWURQJSRZHUIXOVKRXOGHUVDQGDERXW
DYRLGLQJVKRXOGHUSUREOHPVJUDEWKLV

LUUHJXODUWUDLQLQJ

KWWSZZZEURRNVNXELNFRPPLOLWDU\SUHVVBFRXUVHKWPO

MDFNODODQQH

LVRPHWULFV
LVRPHWURQLFV
MLPSDUN

36)RUPRUHDERXWVKRXOGHUZUHFNHUV
DQGRWKHUH[HUFLVHVWRDYRLGJUDEWKLV

MLPVFKPLW]

KWWSZZZEURRNVNXELNFRPJUD\KDLUBEODFNLURQKWPO

MRHNLQQH\

367KRXJKWIRUWKHGD\'RZKDWZRUNV
DQGSD\QRDWWHQWLRQWRDQ\WKLQJHOVH
%URRNV.XELN

MRKQJULPHN

3RVWHGE\%URRNV.XELNDW$0
/DEHOVDEEUHYLDWHZRUNRXWVDEEUHYLDWHGWUDLQLQJGLQRVDXUH[HUFLVHVGLQRVDXU
ZRUNRXWVVHWVDQGUHSVVKRXOGHUWUDLQLQJ

MRHKLVH
MRKQGDYLV
MRKQJULPHNFRXUVH
MRKQJUXQPDU[
MRKQZRRG
MXOHVEDFRQ

+RZWR7UDLQRQD7LPH%XGJHW

NGLQRVDXUGLQRVDXUWUDLQLQJ

+DLOWRWKH'LQRVDXUV

NHWWOHEHOOV

NHQWXFN\GHUE\
NHYLQWROEHUW

/RWVRIUHDGHUVORYHWRWUDLQEXW
WKH\
UHFUXQFKHGIRUWLPH

NLPZRRG

6RWKHTXHVWLRQEHFRPHVKRZGR\RX
JHWDJUHDWZRUNRXWLQDOLPLWHG
DPRXQWRIWLPH"

NRFLDEDILWQHVV

+HUH
VKRZ,GRLW

NQLIHIRUNPXVFOH
ODJJLQJERG\SDUWV
OD\RIIV
OHJDQGEDFNWUDLQLQJ
OHJVSHFLDOL]DWLRQ

6WDUWZLWKDZDUPXS7HQPLQXWHV
RIJHQWOHVWUHWFKLQJDQGVRPHVLPSOH
PRELOLW\GULOOV:RUNDOOWKHMRLQWV
DQGSD\H[WUDDWWHQWLRQWRDUHDV
\RX
OOEHWUDLQLQJRUDUHDVWKDWDUH
H[WUDWLJKW

/HJDF\RI,URQ

,I\RXKDYH,QGLDQFOXEVXVHWKHPDV
SDUWRI\RXUZDUPXS

OLJKWGD\V

1RZGRRQHRUWZRSULPDU\H[HUFLVHV
6TXDWVIURQWVTXDWVGHDGOLIWV7UDS
%DUGHDGOLIWVSUHVVHVSXVKSUHVVHV
SXOOXSVEHQFKSUHVVHVSRZHUFOHDQV
SRZHUVQDWFKHVSRZHUFOHDQDQGSUHVV
SRZHUFOHDQDQGSXVKSUHVVRU\RXU
FKRLFHRIDQ\RIWKHKHDY\GXW\
GXPEEHOOH[HUFLVHVIHDWXUHGLQ
P\ERRN'LQRVDXU'XPEEHOO7UDLQLQJ
6HWVDQGUHSVDUHXSWR\RX,SUHIHU
PXOWLSOHVHWVRIORZUHSVRUPXOWLSOH
VHWVRIVLQJOHV<RXPLJKWHQMR\WKDW
DSSURDFKRU\RXPLJKWSUHIHUKLJKHU
UHSV'RZKDW\RXSUHIHUDQGZKDW
ZRUNVIRU<28

OHJDF\RILURQVHULHV
OHYHUEDUV
OLIHORQJVWUHQJWKDQGKHDOWK
OLIWLQJEHOWV
OLIWLQJVKRHV
ORFDOIRRG
ORJEDUV
ORQJEHDFK
ORZUHSWUDLQLQJ
OXJJLQJDQGORDGLQJGULOOV
PDOZKLWILHOG
PDUNEHUU\
PDVWHUWKHZHLJKW
PDVWHUVZHLJKWOLIWLQJ
PD[LFN
PHDVXUHPHQWV
PHDVXULQJ\RXUVWUHQJWK
PHQWDODVSHFWV
PLGVHFWLRQWUDLQLQJ
PLNHULQDOGL
PLOLWDU\SUHVVFRXUVH

)LQLVKXSZLWKJXWJULSDQGQHFN
ZRUN2QHRUWZRVHWVRIHDFK

PLOLWDU\SUHVVLQJ

7KDW
VLW<RX
UHGRQHDQG\RXU
ZRUNRXWSUREDEO\WRRNWRPLQXWHV
LQFOXGLQJZDUPXSV

PLOREDUEHOOFRXUVHV

7UDLQWZRRUWKUHHWLPHVDZHHNDQGPL[
WKLQJVXS'RGLIIHUHQWSULPDU\H[HUFLVHV
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHODEEUHYLDWHZRUNRXWV

PLOLWDU\WUDLQLQJ
PLORVWHLQERUQ
PLQGPXVFOHOLQN
PLQHUDOV
PRELOLW\




'LQRVDXU7UDLQLQJDEEUHYLDWHZRUNRXWV

LQHDFKZRUNRXW)RUH[DPSOHVTXDWVRQ
0RQSUHVVHVRQ:HGDQGGHDGOLIWVRQ
)ULGD\

PRELOLW\WUDLQLQJ

1RWLPHWRWUDLQ"

P\QHZERRN

,GRQ
WWKLQNVR

P\<RXWXEHFKDQQHO

$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHD
JUHDWGD\,I\RXWUDLQWRGD\PDNHLWD
JRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN
36)RUVSHFLILFZRUNRXWVJUDEDFRS\RI
&KDONDQG6ZHDW
KWWSZZZEURRNVNXELNFRPFKDONBDQGBVZHDWKWPO
360\RWKHUERRNVDQGFRXUVHVDUHULJKW
KHUHWDNHDORRNDQGVHHZKDW\RXQHHGWR
FRPSOHWH\RXU'LQRVDXU/LEUDU\
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
367KRXJKWIRUWKH'D\<RXFDQ
WPDNH
WLPHEXW\RXFDQXVHLWZLVHO\%URRNV
.XELN
3RVWHGE\%URRNV.XELNDW$0
/DEHOVDEEUHYLDWHZRUNRXWVDEEUHYLDWHGZRUNRXWVFHOODUGZHOOHUVDQGJDUDJHJRULOODV
GLQRVDXUZRUNRXWVTXDOLW\WUDLQLQJUHDOZRUOGWUDLQLQJ

PRWLYDWLRQ
PRWLYDWLRQDQGPXVFOHSRGFDVW
P\QHZGLHWDQGQXWULWLRQERRN
QDWXUDOIRRGV
QDXWLOXVPDFKLQHV
QDXWLOXVWUDLQLQJ
QHFNWUDLQLQJ
QHZERRN
QHZGLQRVDXUWUDLQLQJFRXUVH
QHZGLQRVDXUWUDLQLQJFRXUVHGLQRVDXU
WUDLQLQJVHFUHWV
QHZH[HUFLVHV
QRUEVFKHPDQVN\
QRWKLQJEXWVTXDWV
ROGLURQ
ROGVFKRROJ\PV
ROGVFKRROVWURQJPHQ
ROGVFKRROWUDLQLQJSURJUDPV
ROGWLPHVWURQJPHQ
ROGVFKRROH[HUFLVHV
ROGVFKRROVWURQJPHQ
ROGVFKRROWUDLQLQJ
ROGWLPHVWURQJPHQ
RO\PSLFJDPHV
2O\PSLFOLIWLQJ
2O\PSLFZHLJKWOLIWLQJ

*UD\+DLUHG'LQR*HWV*UHDW5HVXOWV
+DLOWRWKH'LQRVDXUV
7ZRTXLFNXSGDWHVDQGWKHQVRPHWUDLQLQJ
WDON

RQHH[HUFLVHZRUNRXWV
RUJDQLFIRRG
RUJDQLFKHDOWK
RXWGRRUWUDLQLQJ
SDXODQGHUVRQ
SDXOEUDJJ

'LQRVDXU'XPEEHOO7UDLQLQJLVDWWKH
SULQWHUDQGZLOOEHUHDG\WRVKLS6221
,
OONHHS\RXSRVWHGZKHQ,KDYHDILUP
VKLSGDWHIURPWKHSULQWHU,W
VWDNHQ
ORQJHUWKDQH[SHFWHGEHFDXVHLWKDVVR
PDQ\SKRWRVDQGSDJHVLWWRRNP\
OD\RXWWHDPDORQJWLPHWRJHWLWDOO
WRJHWKHU%XWLWORRNV*5($7DQGLW
ZHLJKVLQDWRYHU[SDJHV

SDXVHUHSV

,I\RXKDYHQ
WUHVHUYHG\RXUFRS\\HW
QRZ
VWKHWLPH

SK\VLFDOFXOWXUHUDGLR

KWWSEURRNVNXELNFRPGLQRVDXUBGXPEEHOOWUDLQLQJKWPO
,
PZRUNLQJRQWKHILUVWLVVXHRIWKH
QHZDQGLPSURYHGTXDUWHUO\'LQRVDXU)LOHV
QHZVOHWWHU,I\RXKDYHDQLGHDIRUDQ
DUWLFOHRULI\RXZDQWWRUXQDFODVVLILHG
RUER[DGVKRRWPHDQHPDLO$OVR,
OO
VHQGDOLQNWRWKHVXEVFULSWLRQSDJHLQ
DZHHNRUWZR
$QGQRZOHW
VWDONWUDLQLQJ

3HDU\5DGHU
SHRSOH,DGPLUH
SHUFHQWDJHV
SHUIHFWIRUP
SHUVLVWHQFH
SHWHJHRUJH
3+$WUDLQLQJ
SRVWXUH
SRXQGDJHJRDOV
SRXQGDJHSURJUHVVLRQ
SRZHUIRRGV
SRZHUUDFNWUDLQLQJ
SUHFLVLRQ
SUHYHQWLQJLQMXULHV
SURJHVVLRQ
SURJUHVVLRQ
SURWHLQ
SURWHLQGULQNV
SURWHLQSRZGHU

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHODEEUHYLDWHZRUNRXWV





'LQRVDXU7UDLQLQJDEEUHYLDWHZRUNRXWV

'U&OLIIRUG/HY\LVRQHRIRXUROGHU
'LQRVZKR
VEHHQJHWWLQJ*5($7UHVXOWV
RQDYHU\VLPSOHWZLFHDZHHNZRUNRXW
1RWHWKDWKHLVEDFNWREDUEHOODQG
GXPEEHOOZRUNDIWHUDSHULRGRIQHDUO\
\HDUVDQGWKDWKHLVDSSURDFKLQJ
ZHLJKWVWKDWKHKDVQRWOLIWHGVLQFH
7KDW
VSUHWW\LPSUHVVLYH
%URRNV

SXVKSUHVVHV
TXDOLW\WUDLQLQJ
TXHVWLRQVDQGDQVZHUV
TXHVWLRQVIRUGLQRV
TXL]WLPH
UHDOIRRG
UHDOZRUOGWUDLQLQJ
UHFRUGLQJ\RXUZRUNRXWV
UHFRYHU\

-XVWZDQWWRWHOO\RXKRZPXFKWKLVJUD\
KDLUOLNHV\RXUWUDLQLQJLGHDV$IWHUWDNLQJ
SOXV\HDUVRIIIURPEDUEHOOVDQG'%
V,
KDYHEHHQEDFNDWLWIRUSOXV\HDUV,GLG
VSHQGWKRVHRII\HDUVOLIWLQJKHDY\DZNZDUG
REMHFWV

UHJSDUN

,WUDLQ[ZHHN

VDIHW\WLSV

0RQGD\%HQFKSUHVVVTXDWVDQGFKLQV

UHVWEHWZHHQVHWV
UHVWEHWZHHQZRUNRXWV
UHVWSDXVHWUDLQLQJ
URZLQJ
V
6DQGEDJ7UDLQLQJ
VDUDKUREOHV

7KXUVGD\'HDGOLIWSUHVVDQGURZV

VHFUHWZHDSRQ

,DGGVRPHJXWZRUNDQGIDUPHU
VZDON
ZKHQ,FDQDQGLWZRUNVZHOO

VHWVDQGUHSV

,DGGZHLJKWWRWKHEDUDOPRVWHYHU\PRQWK
DQGKRSHWRKLWDJDLQEHIRUH
WKHHQGRIWKH\HDU,ODVWGLGWKDWLQ

.HHSZULWLQJ\RXUZRUNLVLQVSLULQJ

VHOIGHIHQVHWUDLQLQJ
VKRXOGHUKHDOWK
VKRXOGHUWUDLQLQJ
VLJNOHLQ
VLPSOHF\FOLQJV\VWHPV
VLQJOHUHSWUDLQLQJ
VPDUWWUDLQLQJ
VRUHQHVV

/HH

VSHFLDOERQXVHV

/HH7KDQNVIRUVKDULQJWKDW,WORRNV
OLNH\RXDUHGRLQJHYHU\WKLQJULJKWLQ
\RXUWUDLQLQJLQFOXGLQJ

VSHHGZULWLQJFKDOOHQJHV

7ZRZRUNRXWVSHUZHHN

VWDQGRQ\RXUIHHWVWUHQJWK

'LYLGHGZRUNRXWV

VWHYHUHHYHV

$EEUHYLDWHGWUDLQLQJ

VSHHGWUDLQLQJ
VSOLWVW\OHOLIWV
VTXDWV
VWD\LQJDFWLYH
VWHYHVWDQNR
VWLFNLQJSRLQWV

%DVLFFRPSRXQGH[HUFLVHV

VWRQHOLIWLQJ

6RPHVXSSOHPHQWDOJXWZRUN
DQGWKHIDUPHU
VZDONIRUJULS
VWUHQJWKDQGRYHUDOO
FRQGLWLRQLQJ

VWUHQJWKDQGEXONWUDLQLQJ

6HWWLQJKLJKEXWQRW
LPSRVVLEOHSRXQGDJHJRDOV

VWUHQJWKWUDLQLQJIRUDWKOHWHV

$GGLQJZHLJKWWRWKHEDU
UHJXODUO\EXWVORZO\
.HHSPHSRVWHGRQ\RXUWUDLQLQJDQG\RXU
SURJUHVVDQGOHWPHNQRZZKHQ\RXKLWWKH
QXPEHUV
7RHYHU\RQHDVDOZD\VWKDQNVIRUUHDGLQJ
DQGKDYHDJUHDWGD\,I\RXWUDLQWRGD\
PDNHLWDJRRGRQH

VWUHQJWK
6WUHQJWKDQG+HDOWK
VWUHQJWKDUFKLYH
VWUHQJWKPXVFOHDQGSRZHU
VWUHQJWKWUDLQLQJIRUNLGV
VWUHQJWKWUDLQLQJIRUPDUWLDODUWV
VWUHQJWKWUDLQLQJIRUWHHQDJHUV
VWUHQJWKWUDLQLQJIRUZUHVWOHUV
VWUHWFKLQJ
VXFFHVVKDELW
VXFFHVVVWRULHV
VXSHUKXPDQUDGLR
VXSHUKXPDQUDGLR
VXSSOHPHQWV
VZHDWVKLUWV

KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHODEEUHYLDWHZRUNRXWV





'LQRVDXU7UDLQLQJDEEUHYLDWHZRUNRXWV

<RXUVLQVWUHQJWK
%URRNV.XELN
36*UD\+DLUDQG%ODFN,URQLVWKHEHVWDQG
PRVWFRPSOHWHERRNHYHUZULWWHQDERXWVHULRXV
WUDLQLQJIRUROGHUOLIWHUV
KWWSZZZEURRNVNXELNFRPJUD\KDLUBEODFNLURQKWPO
360\RWKHUERRNVDQGFRXUVHVDUHDYDLODEOH
ULJKWKHUHDW'LQRVDXU+HDGTXDUWHUV
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
367KRXJKWIRUWKH'D\(YHU\RQHQHHGVWR
WUDLQVPDUWEXWROGHUOLIWHUVQHHGWRWUDLQ
GRXEOHVPDUW%URRNV.XELN

WHQGRQDQGOLJDPHQWVWUHQJWK
WKHEHVWH[HUFLVHV
WKHGLQRVDXUGXQJHRQ
WKHIDUPHU
VPDUNHW
WKHJRRGEURWKHUV
WKHKLVHVKUXJ
WKHKLVHVTXDW
WKHLURQOHDJXH
WKHLURQZLOOWRVXFFHHG
WKHPDVNHGPDQ
VFKULVWPDV
WKHQLJKWEHIRUHFKULVWPDVGLQR
YHUVLRQ
WKHVWHHOWLS
WKHVWURQJPDQ
VFKULVWPDV
7KH8QOLIWDEOH'XPEEHOO
WKLFNEDUV
WKRPDVLQFK

3RVWHGE\%URRNV.XELNDW$0
/DEHOVDEEUHYLDWHZRUNRXWVDEEUHYLDWHGWUDLQLQJFHOODUGZHOOHUVDQGJDUDJHJRULOODV
GLQRVDXUZRUNRXWVJUD\KDLUDQGEODFNLURQUHDOZRUOGWUDLQLQJWUDLQLQJIRUROGHUOLIWHUV

/HVV,V0RUH$EEUHYLDWHG7UDLQLQJIRU6WUHQJWK
DQG0XVFOH0DVV
+DLOWRWKH'LQRVDXUV
,KDGDJUHDWZRUNRXWODVWQLJKW,W
ZDVWKHNLQGRIZRUNRXW,OLNHEHVW
VKRUWKDUGDQGKHDY\
,WFRQVLVWHGRIWZRH[HUFLVHV

WRPP\NRQR
WRPP\NRQRNQHHEDQGV
WRQ\WHUOD]]R
WRSOLVWV
WRWDOERG\ZRUNRXWV
WUDLQLQJF\FOHV
WUDLQLQJIRUROGHUOLIWHUV
WUDLQLQJIRUVSRUWV
WUDLQLQJIRUZRPHQ
WUDLQLQJIUHTXHQF\
WUDLQLQJMRXUQDOV
WUDLQLQJSURJUDPVIRUPDUWLDODUWLVWV

6SOLWVW\OHMHUNVIURPWKHUDFN

WUDLQLQJSURJUDPVIRUZRPHQ

)URQWVTXDWV

WUDLQLQJTXHVWLRQV

7KHSUHYLRXVZRUNRXWZDVDOVRDJRRG
RQH,WFRQVLVWHGRIWKUHHH[HUFLVHV
3RZHUFOHDQV

WUDLQLQJSURJUDPVIRUZUHVWOHUV
WUDSEDUWUDLQLQJ
WUDSEDUV
WULDODQGHUURU
WZLFHSHUZHHNZRUNRXWV
XOWUDDEEUHYLDWHGWUDLQLQJ

&OHDQJULSKLJKSXOOV
&OHDQJULSGHDGOLIWV
$QGWKHZRUNRXWEHIRUHWKDWDQRWKHU
JRRGRQHDOVRFRQVLVWHGRIWKUHH
H[HUFLVHV
3RZHUVQDWFKHV
6QDWFKJULSKLJKSXOOV

XQOLIWDEOHGXPEEHOO
XSGDWHV
YLQFHJLURQGD
YLVXDOL]DWLRQ
YLWDPLQV
ZDONLQJ
ZDUPXSVHWV
ZDUPLQJXS
ZHLJKWSURJUHVVLRQ
ZHLJKWOLIWLQJDQGEORRGSUHVVXUH

6QDWFKJULSGHDGOLIWV
$UH\RXVWDUWLQJWRQRWLFHDSDWWHUQ"
,FDOOZRUNRXWVOLNHWKLVDEEUHYLDWHG
WUDLQLQJ,W
VVRPHWKLQJ,
YHEHHQGRLQJ
IRUDORQJORQJWLPHDQG,
YHDOZD\V
IRXQGLWWREHWKHPRVWHIIHFWLYHZD\
IRUPHWRWUDLQ$QGEDVHGRQIHHGEDFN
IURP'LQRVDURXQGWKHZRUOGPDQ\RWKHU
WUDLQHHVKDYHIRXQGWKDWDEEUHYLDWHG
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHODEEUHYLDWHZRUNRXWV

ZKDWPDNHVDGLQRVDXU"
ZLOOZHLJKWWUDLQLQJNLOO\RX"
ZLOOLDPERRQH
ZLOOSRZHU
ZRUGRIWKHGD\
ZRUNDURXQGV
ZRUNVHWV
ZRUNRXWJHDU
ZRUNRXWORJV




'LQRVDXU7UDLQLQJDEEUHYLDWHZRUNRXWV

WUDLQLQJZRUNVEHVWIRUWKHPDVZHOO
2IFRXUVH\RXGRQ
WKDYHWRGR2O\PSLF
OLIWLQJ<RXFDQGRVTXDWVGHDGOLIWVRU
7UDS%DUGHDGOLIWVPLOLWDU\SUHVVHV
EHQFKSUHVVHVEHQWRYHUURZLQJHWF
<RXFDQXVHERG\ZHLJKWH[HUFLVHV\RX
FDQGRDQDOOGXPEEHOOSURJUDP\RX
FDQXVHVDQGEDJV\RXFDQXVH
NHWWOHEHOOV\RXFDQOLIWORJV
URFNVRUEDUUHOV\RXFDQXVHFDEOHV
\RXFDQSXVKFDUVRUWUXFNVRUGR
DQ\WKLQJHOVH\RXIHHOOLNHGRLQJ
7KHSRLQWLVZKDWHYHUNLQGRIHTXLSPHQW
\RXXVH\RXGRQ
WQHHGWRGRORWVRI
GLIIHUHQWH[HUFLVHVHYHU\WLPH\RXWUDLQ
,WZRUNVPXFKEHWWHUWRVWLFNWRWZR
RUWKUHHH[HUFLVHVDQGZRUNWKHPLQWR
WKHJURXQG
%HJLQQHUVDUHDQH[FHSWLRQWRWKHUXOH
%HJLQQHUVVKRXOGGRVL[WRWHQH[HUFLVHV
IRURQHVHWHDFK7KH\VKRXOGWUDLQWKUHH
WLPHVDZHHNRQDWRWDOERG\SURJUDP7KH\
QHHGWRGRWKDWWRGHYHORSDJRRGIRXQGDWLRQ
IRUKHDYLHUWUDLQLQJODWHURQ$QGLW
VWKH
EHVWZD\WROHDUQKRZWRSHUIRUPWKH
GLIIHUHQWH[HUFLVHV
%XWIRULQWHUPHGLDWHVDQGDGYDQFHGWUDLQHHV
DEEUHYLDWHGWUDLQLQJLV\RXUWLFNHWWR%,*
*$,16
,DOZD\VOLNHWRKHDUIURP\RXDQG,
GORYH
VRPHVXFFHVVVWRULHVIURP'LQRVZKRKDYHKDG
JRRGOXFNZLWKDEEUHYLDWHGDQGXOWUD
DEEUHYLDWHGRQHH[HUFLVHSHUZRUNRXW
WUDLQLQJ
$VDOZD\VWKDQNVIRUUHDGLQJDQGKDYHD
JUHDWGD\,I\RXWUDLQWRGD\PDNHLWD
JRRGRQH
<RXUVLQVWUHQJWK
%URRNV.XELN

:RUNRXW5HSRUW
ZUHVWOLQJ
ZULVWH[HUFLVHV
\RUNEDUEHOOFOXE
\RUNEDUEHOOFRPSDQ\
\RUNWUDLQLQJFRXUVHV
\RUNWUDLQLQJPHWKRGV
%ORJ$UFKLYH

'HFHPEHU
$WWQ'LQRV,W
V7KDW7LPHRI<HDU
$JDLQ
*UHDW)HHGEDFNRQWKH'HFHPEHU
'LQRVDXU)LOHV
2OG6FKRRO7UDLQLQJZLWK5HJ3DUN
*UDE6RPH0DVVLYH0RWLYDWLRQIRU
6WUHQJWK0XVFOH
5HWUR/LIWLQJDW'LQR+HDGTXDUWHUV
6TXDWVIRU2OGHU'LQRV"
$WWHQWLRQ'LQRV<RX0D\KDYH
0LVVHG7KLV
*RLQJ6WURQJ7KH'HFHPEHU
'LQRVDXU)LOHV
'LQRVDXU7UDLQLQJ6HFUHWV:LWK
,QVWDQW'HOLYHU\
7KH*RWWD'R,W$OO*X\
$WWHQWLRQ'LQRV:H1HHG)HHGEDFN
RQWKH'HFHPEH
$<RXQJ'LQR+LWVWKH*ROG0LQH
+RZWR7UDLQIRU/LIHORQJ6WUHQJWKDQG
+HDOWK
:LOO:HLJKW7UDLQLQJ.LOO<RX"
/DVW&DOOIRU'LQRVDXU7UDLQLQJ7
6KLUWV
'LQRVDXU7UDLQLQJ76KLUWV*HW
7KHP1RZ
)XOO&LUFOH$IWHU<HDUVRI,URQ
1RYHPEHU

36<RXFDQOHDUQPRUHDERXWDEEUHYLDWHG
DQGXOWUDDEEUHYLDWHGWUDLQLQJLQP\ERRNV
DQGFRXUVHVLQFOXGLQJWKHVHOLWWOHPRQVWHUV
'LQRVDXU7UDLQLQJ/RVW6HFUHWVRI6WUHQJWK
DQG'HYHORSPHQW

2FWREHU
6HSWHPEHU
$XJXVW
-XO\
-XQH

KWWSZZZEURRNVNXELNFRPGLQRVDXUBWUDLQLQJKWPO

0D\

6WUHQJWK0XVFOHDQG3RZHU

$SULO

KWWSZZZEURRNVNXELNFRPVWUHQJWKBPXVFOHBSRZHUKWPO
*UD\+DLUDQG%ODFN,URQ
KWWSZZZEURRNVNXELNFRPJUD\KDLUBEODFNLURQKWPO
'LQRVDXU%RG\ZHLJKW7UDLQLQJ
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHODEEUHYLDWHZRUNRXWV

0DUFK
)HEUXDU\
-DQXDU\







'LQRVDXU7UDLQLQJDEEUHYLDWHZRUNRXWV

KWWSZZZEURRNVNXELNFRPGLQRVDXUBERG\ZHLJKWKWPO
'LQRVDXU'XPEEHOO7UDLQLQJ




KWWSEURRNVNXELNFRPGLQRVDXUBGXPEEHOOWUDLQLQJKWPO
&KDONDQG6ZHDW
KWWSZZZEURRNVNXELNFRPFKDONBDQGBVZHDWKWPO
367KRXJKWIRUWKH'D\/HVVLVPRUHEHFDXVH\RX
FDQOLIWKDUGHUDQGKHDYLHUZKHQ\RXXVHDEEUHYLDWHG
DQGXOWUDDEEUHYLDWHGWUDLQLQJ%URRNV.XELN

3RVWHGE\%URRNV.XELNDW$0
/DEHOVDEEUHYLDWHZRUNRXWVDEEUHYLDWHGWUDLQLQJDEEUHYLDWHGZRUNRXWVEXLOGLQJ
VWUHQJWKDQGPXVFOHGLQRVDXUZRUNRXWVUHDOZRUOGWUDLQLQJ

7KH,QIDPRXV+RZ0XFK5HVW"4XHVWLRQ
+DLOWRWKH'LQRVDXUV
,JHWORWVRITXHVWLRQVDERXWKRZKRZ
ORQJWRUHVWEHWZHHQVHWV
7KHDQVZHULVLWGHSHQGV
,WGHSHQGVRQWKHH[HUFLVH\RXDUHGRLQJ
<RXQHHGPRUHUHVWEHWZHHQVHWVRIKHDY\
RUGHDGOLIWVWKDQEHWZHHQVHWVRISUHVVHV
RUFXUOV
,WGHSHQGVRQKRZKHDY\\RXJR,I\RX
UH
KLWWLQJH[WUHPHO\KHDY\ZHLJKWVIRU\RX
WKHQ\RXQHHGPRUHUHVWWKDQLI\RX
UH
JRLQJOLJKWHU
7KXVDOLIWHUWUDLQLQJRQD/LJKW0HGLXP
DQG+HDY\VFKHGXOHPLJKWXVHGLIIHUHQWUHVW
SHULRGVRQGLIIHUHQWGD\V
,WGHSHQGVRQZKDWNLQGRIVKDSH\RXDUH
LQ,I\RX
UHLQJRRGVKDSH\RXUHTXLUH
OHVVUHVWEHWZHHQVHWV$QGDV\RXLPSURYH
\RXUFRQGLWLRQ\RXPD\EHDEOHWRUHGXFH
\RXUUHVWWLPHVDELW
,WGHSHQGVRQWKHW\SHRIWUDLQLQJ\RXDUH
GRLQJ$Q2O\PSLFZHLJKWOLIWHUGRHVQ
WZDQW
WRJHWDSXPSEHFDXVHKLVPXVFOHVQHHGWR
EHORRVHDQGIOH[LEOHIRUKLVOLIWLQJVR
KH
OOUHVWORQJHQRXJKWREHIXOO\UHFRYHUHG
IURPVHWWRVHW
,WGHSHQGVRQ\RXUH[HUFLVHV,I,GRRQHDUP
GXPEEHOOOLIWV,GRDVHWZLWKP\ULJKWKDQG
DQGWKHQ,GRDVHWZLWKP\OHIWKDQGZLWKRXW
YHU\PXFKUHVWLQEHWZHHQVHWV'LWWRIRURQH
KDQGHGJULSZRUN
,WGHSHQGVRQZKHWKHU\RX
UHGRLQJZDUPXS
VHWVRUZRUNVHWV<RXFDQUHVWOHVVEHWZHHQ
ZDUPXSVHWVDQGORQJHUEHWZHHQZRUNVHWV
,WGHSHQGVRQWKHZHDWKHU,ILW
VKRW\RX
PD\QHHGPRUHUHVW,ILW
VFROG\RXPD\
QHHGOHVVUHVWWRVWD\ZDUP
KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHODEEUHYLDWHZRUNRXWV





'LQRVDXU7UDLQLQJDEEUHYLDWHZRUNRXWV

,WGHSHQGVRQKRZPXFKWLPH\RXKDYHWR
WUDLQ/LIHLQWUXGHVVRPHWLPHVDQGWKHUH
DUHGD\VZKHQWKHRQO\ZD\WRWUDLQLVWR
PDNHLWDIDVWRQH
,WGHSHQGVRQKRZ\RX
UHIHHOLQJ:HDOO
KDYHKLJKHQHUJ\GD\VDQGORZHQHUJ\GD\V
2QDKLJKHQHUJ\GD\\RXPD\WUDLQDELW
IDVWHUEXWWKHQDJDLQ\RXPD\WUDLQDW
\RXUUHJXODUSDFHEXWWUDLQKHDYLHURUJR
IRUPRUHUHSV
7KHERWWRPOLQHLVWKHUH
VQRPDJLFDQVZHU
KHUH7KHDQVZHULVQ
WDFHUWDLQQXPEHURI
VHFRQGVRUDSDUWLFXODUQXPEHURIPLQXWHV
7KHERWWRPOLQHWKRXJKLVWKLV\RX
QHHGWRPRQLWRU\RXUSURJUHVVDQG\RX
QHHGWRSXVKWRDGGZHLJKWWRWKHEDU
,I\RX
UHJHWWLQJVWURQJHU\RX
UHGRLQJ
ZKDW\RXQHHGWRGR,IQRWWKLQNWKLQJV
WKURXJKDQGPDNHWKHQHFHVVDU\DGMXVWPHQWV
,
YHVDLGLWEHIRUHDQG,
OOVD\LWDJDLQ
7KLVVWXII
VQRWURFNHWVFLHQFH
%XWWKHQ1$6$LVQ
WVHQGLQJDQ\PRUH
DVWURQDXWVWRWKHPRRQEXWSOHQW\RIXV
DUHVWLOOKLWWLQJLWKDUGDQGKHDY\VR
PD\EHZH
UHGRLQJEHWWHUWKDQWKHURFNHW
VFLHQWLVWV
<RXUVLQVWUHQJWK
%URRNV.XELN
36$JUHDWELJ7+$1.<28WRHYHU\RQHZKR
KDVUHVHUYHGDFRS\RIP\QHZERRN'LQRVDXU
'XPEEHOO7UDLQLQJ5HDGDOODERXWLWULJKW
KHUH
KWWSEURRNVNXELNFRPGLQRVDXUBGXPEEHOOWUDLQLQJKWPO
360\RWKHUERRNVDQGFRXUVHVDQG'9'
V
DUHDYDLODEOHKHUHDQGUHPHPEHU\RXFDQVDYH
FODPVRQVKLSSLQJDQGKDQGOLQJE\RUGHULQJWZR
RUPRUH'LQRVDXUWUDLQLQJSURGXFWVDWRQHWLPH
KWWSZZZEURRNVNXELNFRPSURGXFWVKWPO
367KRXJKWIRUWKH'D\$WRQHSRLQWLQ
\RXUOLIH\RXOLYHWROLIW/DWHU\RXOLIWWR
OLYH%XWLW
VDOZD\VDERXWOLYLQJDQGOLIWLQJ
%URRNV.XELN

3RVWHGE\%URRNV.XELNDW$0
/DEHOVDEEUHYLDWHZRUNRXWV'LQRVDXU7UDLQLQJGLQRVDXUZRUNRXWVUHVWEHWZHHQVHWV
VHWVDQGUHSV

+RPH

2OGHU3RVWV

6XEVFULEHWR3RVWV$WRP


KWWSZZZGLQRVDXUWUDLQLQJEORJVSRWFRPVHDUFKODEHODEEUHYLDWHZRUNRXWV