Você está na página 1de 3

)URP E   -

7R E  
6XEMHFW 5H86VHHNV7H[DVODQGRZQHUVKHOSRQERUGHUVXUYHLOODQFH
'DWH 7XHVGD\$SULO$0

:LOOGR

2ULJLQDO0HVVDJH
)URP E  
7R E  
6HQW7XH$SU
6XEMHFW):86VHHNV7H[DVODQGRZQHU
VKHOSRQERUGHUVXUYHLOODQFH

E 

7KHDUWLFOHZHQWRIIUHDOO\ZHOO,WKLQN$ERXWWKHODZ\HUFDOOLQJIURP5*9,ZRXOGGHILQLWHO\KDYH&KLHI
&RXQVHOFDOOKLPEDFN7KH&RUSVZRQ¶WZDQWDQ\WKLQJWRGRZLWKKLP,ZRXOGOLNHWRNQRZZKDWKH
ZDQWVWKRXJK/HWPHNQRZ7KDQNV

E 


E  

$VVLVWDQW&KLHI

23$'LYLVLRQ

2IILFHRI%RUGHU3DWURO

3HQQV\OYDQLD$YH1:6XLWH(

:DVKLQJWRQ'&

E  

BBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB

)URP E  
6HQW7XHVGD\$SULO$0
7R E  

6XEMHFW):86VHHNV7H[DVODQGRZQHU
VKHOSRQERUGHUVXUYHLOODQFH

)<,

E  

6HFXUH%RUGHU,QLWLDWLYH
86&XVWRPVDQG%RUGHU3URWHFWLRQ

E  

BBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB

)URP E  
6HQW7XHVGD\$SULO$0
7R E  

&F E  

6XEMHFW86VHHNV7H[DVODQGRZQHU
VKHOSRQERUGHUVXUYHLOODQFH

86VHHNV7H[DVODQGRZQHUV
KHOSRQERUGHUVXUYHLOODQFH
30&'7RQ0RQGD\$SULO
1HZ<RUN7LPHV1HZV6HUYLFH
:$6+,1*721±,QWHQWRQIRUWLI\LQJWKH860H[LFRERUGHUZLWKDPL[RIVXUYHLOODQFHHTXLSPHQW
SHUVRQQHODQGIHQFLQJWKHIHGHUDOJRYHUQPHQWWKLVZHHNVWDUWVLQHDUQHVWWKHGHOLFDWHSURFHVVRI
JHWWLQJ7H[DVODQGRZQHUV
FRRSHUDWLRQ±DQGXVHRIWKHLUSURSHUW\

7KH'HSDUWPHQWRI+RPHODQG6HFXULW\LVGHSOR\LQJDQDUVHQDORIJURXQGVHQVRUVOLJKWLQJUHPRWHYLGHR
VXUYHLOODQFHREVHUYDWLRQWRZHUVYHKLFOHEDUULHUVIHQFLQJDQGURDGZD\VDOOLQWKHQDPHRIGHWHUULQJ
LOOHJDOLPPLJUDWLRQDQGLPSURYLQJQDWLRQDOVHFXULW\,W
VDOOSDUWRIDELOOLRQVWUDWHJ\NQRZQDVWKH
6HFXUH%RUGHU,QLWLDWLYHGHVLJQHGWREULQJWKH6RXWKZHVWERUGHUXQGHURSHUDWLRQDOFRQWUROE\
DFFRUGLQJWRWKH+RXVWRQ&KURQLFOH

)HQFLQJZKLFK&RQJUHVVKDVPDQGDWHGDORQJPLOHVRIWKHQHDUO\PLOH860H[LFRERXQGDU\
KDVSURYHQE\IDUWKHPRVWFRQWURYHUVLDODVSHFWRIWKHSODQ±SDUWLFXODUO\LQ7H[DVZKLFKKDVDORQJ
KLVWRU\RIFORVHHFRQRPLFDQGVRFLDOWLHVZLWKQHDUE\0H[LFDQFRPPXQLWLHV

+RPHODQG6HFXULW\RIILFLDOVKDYHVRXJKWWREOXQWWKDWRSSRVLWLRQVD\LQJIHQFLQJZLOOEHLQVWDOOHGFKLHIO\
LQXUEDQKLJKWUDIILFORFDWLRQV

7KHDJHQF\ZLOOUHO\RQVHQVRUVUDGDUXQPDQQHGDHULDOYHKLFOHVDQGDEHHIHGXS%RUGHU3DWURO
HOVHZKHUHDORQJDERUGHUWKDWLVE\WXUQVUXJJHGPRXQWDLQFLW\VFDSHDULGGHVHUWDQGJHQWOHULYHUEDQN

6WLOOVHFXULQJWKHODQGULJKWVLQ7H[DVZLOOSURYHIDUPRUHFRPSOLFDWHGWKDQLQ$UL]RQDZKHUHWKH
HDUOLHVW6HFXUH%RUGHU,QLWLDWLYHSLORWSURJUDPVKDYHVWDUWHG7H[DVXQOLNH$UL]RQDKDVYHU\OLWWOHODQGDW
WKHERUGHUFRQWUROOHGE\WKH,QWHULRU'HSDUWPHQWWKHPLOLWDU\RU,QGLDQWULEHV

%RUGHU3DWURORIILFLDOVLQ7H[DVZLOOIDQRXWWRWDONWRODQGRZQHUVDQGJRYHUQPHQWRIILFLDOVDVVHVVLQJRQ
DFDVHE\FDVHEDVLVZKHWKHUWRRIIHUWROHDVHEX\RUJHWDFFHVVIRUIUHHWRWKHODQGWKH\QHHG

1RRSWLRQLVRIIWKHWDEOHEXWFOHDUO\ZHDUHQRWJRLQJWRJRRXWWRWKHODQGRZQHUDQGVD\
:HDUH
VWDUWLQJRXWZLWKHPLQHQWGRPDLQ
VDLG*UHJ*LGGHQVKHDGRIWKH6HFXUH%RUGHU,QLWLDWLYH
*RYHUQPHQWVXVHHPLQHQWGRPDLQODZVWRVHL]HODQGIRUSXEOLFSURMHFWV

,QDQLQWHUYLHZ0RQGD\*LGGHQVVDLG%RUGHU3DWURORIILFLDOVZRXOGZRUNZLWKODQGRZQHUVWRDGGUHVV
WKHLUFRQFHUQV
,VXVSHFWWKHUHDUHJRLQJWREHDORWRIGLIIHUHQWYLHZVZKHQZHHQJDJHLQWKHRXWUHDFKKHVDLG:H
ZLOOFOHDUO\KDYHVRPHKDUGVSRWV

)HQFLQJZLOOEHDYHU\GLIILFXOWVHOOVDLG(DJOH3DVV0D\RU&KDG)RVWHUZKRKHDGVDFRDOLWLRQRIERUGHU
HOHFWHGRIILFLDOVZKRVXSSRUWLQFUHDVHGERUGHUVHFXULW\EXWRSSRVHVXFKEDUULHUV
1RERG\LVDJDLQVWFDPHUDVDQGVHQVRUV)RVWHUVDLG1RZDSK\VLFDOEDUULHU±ZHKDYHLVVXHVZLWK
SK\VLFDOEDUULHUV

)HQFLQJLVWKHODVWRSWLRQ*LGGHQVVDLGFRQVLGHUHGRQO\LIWKHVXUYHLOODQFHHTXLSPHQWDQGYHKLFOH
EDUULHUVDUHQ
WHQRXJKIRUWKHORFDWLRQ7ULSOHOD\HUHGIHQFLQJFRVWVPLOOLRQDPLOHKHHVWLPDWHG%\
FRQWUDVWDPLOHRIUHLQIRUFHGSRVWVGHVLJQHGWREORFNYHKLFOHVFRVWVPLOOLRQ$QGWKHYLUWXDOIHQFH
RIVHQVRUVFDPHUDVDQGOLJKWLQJLVOHVVWKDQPLOOLRQDPLOH

:HDUHQRWLQWKHEXVLQHVVWREXLOGIHQFHVMXVWWREXLOGIHQFHV*LGGHQVVDLG:HDUHLQWKHEXVLQHVV
WRVHFXUHERUGHUV

'RE&XQQLQJKDPDIRUPHU%RUGHU3DWURODJHQWZKRRZQVDDFUHUDQFKLQ0DYHULFN&RXQW\WKDW
IURQWVWKH5LR*UDQGHIRUWZRPLOHVVDLGKHDQGKLVIHOORZUDQFKHUVZRXOGRSSRVHDQ\IHQFLQJ:KLOH
IHQFLQJPD\ZRUNLQIODWGHVHUWWHUUDLQLQ$UL]RQDDQG1HZ0H[LFR&XQQLQJKDPVDLGLWZRXOGEH
LQHIIHFWLYHDORQJWKH5LR*UDQGHZLWKLWVDUUR\RVEHQGVDQGVRPHWLPHVVWHHSEDQNV

,QPDQ\ZD\V&XQQLQJKDPILWVWKHSURILOHRIZKDW*LGGHQVLVKRSLQJWRILQG$ODQGRZQHUHDJHUWR
LPSURYHQDWLRQDOVHFXULW\DQGWLUHGRIWKHGDPDJHWKDWWKHQHYHUHQGLQJIORRGRILOOHJDOFURVVHUVGRHVWR
KLVSURSHUW\&XQQLQJKDPDOUHDG\KDVDOORZHGWKH%RUGHU3DWUROWRGHSOR\VHQVRUVDQGDQREVHUYDWLRQ
SRVWRQKLVUDQFK±IRUHJRLQJWKHPRQWKO\OHDVHRIIHUHGE\WKHJRYHUQPHQW

,WZDVDSDWULRWLFGXW\WKDWZHZDQWHGWRKHOSVHFXUHWKHERUGHUKHVDLG
%XW&XQQLQJKDPLVOHHU\RIJLYLQJWKH%RUGHU3DWUROJUHDWHUDFFHVVWRKLVODQGVD\LQJWKHUXVKWRKLUH
QHZDJHQWVKDVDOORZHGVRPHFULPLQDOHOHPHQWVWRHQWHUWKHIRUFH+HVDLGKHDQGIHOORZUDQFKHUV
VXVSHFWVRPHDJHQWVDUHLQFDKRRWVZLWKWKHGUXJDQGLPPLJUDQWVPXJJOHUV

,W
VQRWZLGHVSUHDGEXWLW
VMXVWHQRXJKWRFRQFHUQXVWKDWWKH\DUHKLULQJWKXJVDQGPLVILWVKHVDLG
%RUGHU3DWUROVSRNHVPDQ;DYLHU5LRVGHQLHGWKDWFRUUXSWLRQKDVLQFUHDVHGZLWKLQWKHUDQNVRUWKDW
VWDQGDUGVKDYHEHHQORZHUHGDVWKHIRUFHVZHOOVWRDJHQWVE\WKHHQGRIQH[W\HDU

,I,
PQRWPLVWDNHQODVW\HDUWKHUHZHUHDERXWDGR]HQ%RUGHU3DWURODJHQWVWKDWPD\KDYHEHHQ
FRQYLFWHGRISXEOLFFRUUXSWLRQLQRQHIRUPRUDQRWKHU5LRVVDLG7ZHOYHRXWRI±WKDW
VYHU\
ORZ

6RPHDORQJWKH5LR*UDQGHZHOFRPHWKHFKDQFHIRULQFUHDVHGFRRSHUDWLRQZLWKWKH%RUGHU3DWURODQG
VD\WKH\DUHKHDUWHQHGE\WKHJRYHUQPHQW
VZLOOLQJQHVVWRUHDFKRXWWRWKHORFDOV

,Q(DJOH3DVVWKH%RUGHU3DWURODQGWKHFLW\UHFHQWO\VWUXFNDFRPSURPLVHWKDWZRUNHGZHOOIRUERWK
VLGHVWKHPD\RUVDLG7KHPXQLFLSDOJROIFRXUVHQHVWOHGEHWZHHQWZRLQWHUQDWLRQDOEULGJHVQRZKDVD
OLJKWLQJV\VWHPDQGDURDGWKDWLVERWKLPSURYLQJWKHSURSHUW\DQGWKH%RUGHU3DWURO
VYLVLELOLW\RIWKH
5LR*UDQGH)RVWHUVDLG

7KHFLW\DOORZHGWKH%RUGHU3DWUROWRFKRSGRZQWKHWDOO&DUUL]RFDQHWKDWOLPLWHGYLVLELOLW\WRWKHULYHU
$QGWKH%RUGHU3DWUROEDFNHGRIIRIDSODQWRLQVWDOODGHFRUDWLYHIHQFHDORQJWKHJROIFRXUVHDQGD
QHDUE\SDUNDIWHUFLW\OHDGHUVREMHFWHG

,WFDQEHPDGHDZLQZLQVLWXDWLRQDVORQJDVZHFRQWLQXHWKHGLDORJXH)RVWHUVDLG

E  
&KLHI3XEOLF$IIDLUV
86$UP\(QJLQHHU'LYLVLRQ6RXWKZHVWHUQ
E  

Você também pode gostar