Você está na página 1de 10

/RZ%HJLQQHU

(VWDPRVOHMRVGHODHURSXHUWR" $UHZHIDUIURPWKHDLUSRUW"
1RQRHVWPX\OHMRVHVWDPRV 1RLWLVQoWIDUZHoUHYHU\QHDU
PX\FHUFD 
|0LUDDOOHVW /RRNWKHUHLWLV
(VVWDODHQWUDGD" ,VWKLVWKHHQWUDQFH"
'QGHHVWQPLVEROVRV" :KHUHDUHP\EDJV"

+LJK%HJLQQHU

$TXKRUDHVWXYXHOR" :KDWWLPHLV\RXULJKW"
6DOHDODVFXDWUR\FXDUWR ,WOHDYHVDWTXDUWHUSDVWIRXU
'QGHYDLV" :KHUHDUH\RXJRLQJ"
9RODPRVD(VWDGRV8QLGRV :HoUH\LQJWRWKH8QLWHG6WDWHV
4XFLXGDGHVYDLVDYLVLWDU" :KLFKFLWLHVDUH\RXJRLQJWRYLVLW"

/RZ,QWHUPHGLDWH

|9PRQRVDIDFWXUDFLQ /HWoVJRWRWKHFKHFNLQ
+D\PXFKDJHQWHHQODFROD 7KHUHLVDORWRISHRSOHLQWKHTXHXH

7HQGUHPRVTXHHVSHUDUDTX :HoOOKDYHWRZDLWKHUHIRUD
 ORQJWLPH
PXFKRWLHPSR
3RUTXVLHPSUHVRPRVORV :K\DUHZHDOZD\VWKHODVWWR
 DUULYH"
OWLPRVHQOOHJDU"
1RWHSUHRFXSHVHODYLQQR 'RQoWZRUU\WKHSODQHZRQoWWDNHRIIZLWKRXWXV

GHVSHJDUVLQQRVRWURV

0LGGOH,QWHUPHGLDWH

&XQWDVPDOHWDVWHQLV" +RZPDQ\VXLWFDVHVGR\RX KDYH"

/OHYLVHTXLSDMHGHPDQRD $UH\RXWDNLQJDQ\KDQGOXJJDJHRQERDUG"
ERUGR"
+L]RXVWHGPLVPRVXHTXLSDMH" 'LG\RXSDFN\RXUOXJJDJH \RXUVHOI"

1RGHMDXQSDUGHWHUURULVWDV1R,OHWDFRXSOHRIWHUURULVWVGRLW
KDFHUOR
|3RUVXSXHVWRTXHORKLFH\R 2IFRXUVH,GLGLWP\VHOI:KDWTXHVWLRQV\RXDVN
PLVPR|4XSUHJXQWDVKDFLV

+LJK,QWHUPHGLDWH

3RGUDVSRQHUWXVOODYHV &RXOG\RXSXW\RXUNH\VZDOOHWDQGPRELOHLQWKLVWUD\"

FDUWHUD\PYLOHQODEDQGHMD"
/HLPSRUWDTXLWDUVHHO 'R\RXPLQGWDNLQJRII\RXUEHOWSOHDVH"

FLQWXUQ"
0HYDVDKDFHUXQDSURSXHVWD$UH\RXJRLQJWRPDNHPHDQLQGHFHQWSURSRVDO"
LQGHFHQWH"
0HWHPRTXHWHQLVTXH ,oPDIUDLG\RXKDYHWRWDNHRII
 \RXUVKRHVDVZHOO
TXLWDURVORV]DSDWRVWDPELQ
0HQRVPDOTXHPHSXVHXQRV ,WoVDJRRGWKLQJ,SXWFOHDQ
 VRFNVRQWKLVPRUQLQJ
FDOFHWLQHVOLPSLRVHVWDPDDQD

/RZ$GYDQFHG

&XOHVODSXHUWDGHHPEDUTXH:KLFKJDWHLVLWIRULJKWf"
GHOYXHORf"
'LUMDQVHDODSXHUWDQPHUR 3OHDVHJRWRJDWHQXPEHUWZHQW\
YHLQWH
'QGHHVWWXWDUMHWDGH :KHUHoV\RXUERDUGLQJFDUG"
HPEDUTXH"
(OHPEDUTXHVHHIHFWXDUHQ %RDUGLQJZLOOWDNHSODFHVKRUWO\
EUHYH
OWLPDOODPDGDSDUDORV /DVWFDOOIRUSDVVHQJHUVRQLJKW
SDVDMHURVGHOYXHOR

0LGGOH$GYDQFHG

(VSHURTXHQXHVWURYXHORQR ,KRSHRXULJKWLVQoWGHOD\HG
VDOJDFRQUHWUDVR
3RGUDTXLWDUVHORVFDVFRV" &RXOG\RXUHPRYH\RXUKHDGSKRQHVSOHDVH"

$EUFKHQVHORVFLQWXURQHVGH )DVWHQ\RXUVHDWEHOWV
VHJXULGDG
$OJXLHQWLHQHXQERWLTXQGH 'RHVDQ\ERG\KDYHDUVWDLG NLW"
XUJHQFLD"
(QHOFDVRSRFRSUREDEOHGH ,QWKHXQOLNHO\HYHQWRIDQHPHUJHQF\SUD\
TXHKD\DXQDXUJHQFLDUH]DG

)RU(QJOLVKVXSHUVWDUVRQO\

1RWHQJRQDGDTXHGHFODUDU ,KDYHQRWKLQJWRGHFODUH
 H[FHSWP\JHQLXV
H[FHSWRPLJHQLR
1RVHDVWDQIUHVFRFRQHVWRV 'RQoWEHVRFKHHN\ZLWKWKHVH$PHULFDQFXVWRPVRIFHUV

DGXDQHURVHVWDGRXQLGHQVHV
1HFHVLWDPRVTXHQRVGHQVXV :HQHHG\RXWRJLYHXV\RXU
 QJHUSULQWV
KXHOODVGDFWLODUHV
3RUTX"1RWHQLVODV :K\"'RQoW\RXKDYH\RXURZQ
 RQHV"
YXHVWUDVSURSLDV"
|<DHVW|8QUHJLVWURFRPSOHWR7KDWoVLW$IXOOERG\VHDUFK ZLWKUXEEHUJORYHV
DHVWDSHUVRQDFRQJXDQWHVGHJRPD
/RZ%HJLQQHU

(VVWHHOGHVSDFKRGHOGLUHFWRU",VWKLVWKHPDQDJHUoVRIFH"
6ORHV\RVR\VXVHFUHWDULD <HVLWLV,oPKLVVHFUHWDU\
(VWRFXSDGRHQHVWH ,VKHEXV\DWWKHPRPHQW"

PRPHQWR"
1RQRORHVW6U%URZQHO6U)LVK1RKHLVQoW0U%URZQ0U)LVKLVKHUHWRVHH\RX
HVWDTXSDUDYHUOH
$K6U)LVKHQWUH\VLQWHVH $K0U)LVKFRPHLQDQGVLW GRZQ

+LJK%HJLQQHU

(VWR\XQSRFRQHUYLRVRHVPL ,oPDOLWWOHQHUYRXVLWoVP\UVWWLPHLQ\RXURIFH
SULPHUDYH]HQVXGHVSDFKR
(VSHURTXHQRVHDODOWLPD ,KRSHLWoVQRWWKHODVWHLWKHU
WDPSRFR
3RUTXTXLHUHYHUPH" :K\GR\RXZDQWWRVHHPH"
4XLHURKDEODUGHVXIXWXUR ,ZDQWWRWDONDERXW\RXUIXWXUH
VWDYDDVHUXQDFRQYHUVDFLQ,VWKLVJRLQJWREHDORQJFRQYHUVDWLRQ"
ODUJD"

/RZ,QWHUPHGLDWH

&XQGRHPSH]DVWHDWUDEDMDU:KHQGLG\RXVWDUWZRUNLQJ ZLWKXV"
FRQQRVRWURV"
&RPHQ]KDFHWUHVDRV ,EHJDQWKUHH\HDUVDJR
(QTXGHSDUWDPHQWRHVWV :KLFKGHSDUWPHQWDUH\RX
 ZRUNLQJLQ"
WUDEDMDQGR"
1RVHDFXHUGD"7UDEDMRHQHO 'RQoW\RXUHPHPEHU",ZRUNLQWKHVDOHVGHSDUWPHQW

GHSDUWDPHQWRGHYHQWDV
6LHPSUHVHPHROYLGDQODVFRVDV,oPDOZD\VIRUJHWWLQJWKLQJV,KDYHDYHU\EDGPHPRU\
WHQJRPX\PDODPHPRULD

0LGGOH,QWHUPHGLDWH

6DEHVFXOHVODVLWXDFLQ 'R\RXNQRZZKDWWKHFXUUHQWVLWXDWLRQRIWKHFRPSDQ\LV"
DFWXDOGHODHPSUHVD"
+DVYLVWRODVFLIUDVGHYHQWDV +DYH\RXVHHQWKLV\HDUoVVDOHV JXUHV"
GHHVWHDR"
&XQWRKDVYHQGLGRHVWHDR" +RZPXFKKDYH\RXVROGWKLV \HDU"

&XQWRVGDVKDVHVWDGRGH +RZPDQ\GD\VKDYH\RXEHHQRIIVLFN"
EDMD"
/RVEHQHFLRVVRQPXFKRPV 3URWVDUHPXFKORZHUWKDQODVW\HDU
EDMRVTXHHODRSDVDGR

+LJK,QWHUPHGLDWH

+HPRVWHQLGRTXHDQDOL]DUORV :HoYHKDGWRDQDO\VHWKHFRPSDQ\oVH[SHQVHV

JDVWRVGHODHPSUHVD
1RVKHPRVYLVWRREOLJDGRVD :HoYHEHHQIRUFHGWRWDNH
 VRPHGLIFXOWGHFLVLRQV
WRPDUGHFLVLRQHVGLIFLOHV
4XVLJQLFDWRGRHVWR" :KDWGRHVDOOWKLVPHDQ"
7RGRVXHQDPX\SUHRFXSDQWH ,WDOOVRXQGVYHU\ZRUU\LQJ
(VWLVDSXQWRGHGDUPHPDODV <RXoUHDERXWWRJLYHPHVRPHEDGQHZVDUHQoW\RX"

QRWLFLDVQR"

/RZ$GYDQFHG

1RQRVSRGHPRVSHUPLWLU :HFDQoWDIIRUGWRNHHS VSHQGLQJVRPXFKPRQH\


VHJXLUJDVWDQGRWDQWRGLQHUR
7HQHPRVTXHGHVSHGLUD :HKDYHWROD\RIIVRPH HPSOR\HHV
DOJXQRVHPSOHDGRV
/DJHQWHTXHOOHYDPHQRVWLHPSR 7KHSHRSOHZKRKDYHEHHQKHUHIRUWKHOHDVWWLPHZLOOEHWKHUVWWRJR
DTXVHUQORVSULPHURVHQLUVH

0X\DPLSHVDUHVWVHQWUH 0XFKWRP\UHJUHW\RXDUHDPRQJWKRVHXQIRUWXQDWHRQHV
HVRVGHVDIRUWXQDGRV
1RWHORWRPHVWDQDSHFKR 3OHDVHGRQoWWDNHLWWRKHDUW

0LGGOH$GYDQFHG

(QRWUDVSDODEUDVPHHVWLV ,QRWKHUZRUGV\RXoUHULQJPH

HFKDQGRDODFDOOH
'HEHUDLVGHVSHGLUDORVSHRUHV<RXVKRXOGGLVPLVVWKHZRUVWHPSOR\HHVQRWWKHQHZHVWRQHV
HPSOHDGRVQRDORVPVQXHYRV
6HHOLJLHVWDSROWLFDSRUTXH 7KLVSROLF\ZDVFKRVHQEHFDXVH
 LWVHHPHGWRXVWREHWKHIDLUHVWZD\
QRVSDUHFLTXHVHUDODPDQHUDPVMXVWD

1RHVSHUDEDHVWRSDUDQDGD ,ZDVQoWH[SHFWLQJWKLVDWDOO
&XQWRVHUPLLQGHPQL]DFLQ+RZPXFKZLOOP\UHGXQGDQF\SD\EH"
SRUGHVSLGR"

)RU(QJOLVKVXSHUVWDUVRQO\

2MDOQRKXELHUDYHQLGRDO ,ZLVK,KDGQoWFRPHWRZRUNWRGD\
WUDEDMRKR\
1RWHFRVWDUQDGDHQFRQWUDU <RXoOOKDYHQRWURXEOHQGLQJDQRWKHUMRE

RWURWUDEDMR
7HQJRODH[WUDDVHQVDFLQGH,KDYHDIXQQ\IHHOLQJ\RXoUH JRLQJWRUHJUHWWKLV
TXHRVYDLVDDUUHSHQWLUGHHVWR
|1LVHWHRFXUUDDPHQD]DUQRV 'RQoW\RXGDUHWKUHDWHQXV
/RTXHVHVLHPEUDVHFRVHFKD <RXUHDSZKDW\RXVRZ
/RZ%HJLQQHU

4XGDHVHOPHUFDGR" :KDWGD\LVWKHPDUNHW"
(VWDELHUWRORVPDUWHV\ORV ,WoVRSHQRQ7XHVGD\VDQG7KXUVGD\V

MXHYHV
+R\QRHVPDUWHV" ,VQoWWRGD\7XHVGD\"
(VRHVWSRUDOO" ,VWKDWLWRYHUWKHUH"
9HQFRQPLJRDOPHUFDGR &RPHZLWKPHWRWKHPDUNHW

+LJK%HJLQQHU

/HSXHGRD\XGDU" &DQ,KHOS\RX"
1RHVWELHQJUDFLDV6OR 1RLWoVRNWKDQNV,oPMXVW ORRNLQJ
HVWR\PLUDQGR
4XHVWEXVFDQGR" :KDWDUH\RXORRNLQJIRU"
1HFHVLWRXQUHJDORGH1DYLGDG ,QHHGD&KULVWPDVSUHVHQWIRUP\KXVEDQG
SDUDPLPDULGR
(VWR\LQWHUHVDGRHQHVHREMHWR ,oPLQWHUHVWHGLQWKDWREMHFW

/RZ,QWHUPHGLDWH

'HTXHVWKHFKR :KDWoVLWPDGHIURPH[DFWO\"
H[DFWDPHQWH"
(VXQDPH]FODGHPDGHUD\RUR ,WoVDPL[WXUHRIZRRGDQGJROG
(VDXWQWLFRHORUR" ,VWKHJROGUHDO"
(VWKHFKRDPDQR" :DVLWKDQGPDGH"
/RWLHQHHQRWURVFRORUHV" 'R\RXKDYHLWLQDQ\RWKHU FRORXUV"

0LGGOH,QWHUPHGLDWH

0HWHPRTXHVORKD\XQ ,oPDIUDLGWKHUHLVRQO\RQHFRORXU
FRORU
6LQHPEDUJRWHQHPRVXQD +RZHYHUZHKDYHDUDQJHRIVL]HV
JDPDGHWDPDRV
0HSRGUDSDVDUHVHSRUIDYRU" &RXOG\RXSDVVWKDWRQHSOHDVH"
$FXOVHUHHUH" :KLFKRQHDUH\RXUHIHUULQJWR"
(OTXHVHDPVJUDQGHSHUR 7KHRQHWKDWoVELJJHUWKDQWKLVRQHEXWOHVVH[SHQVLYHWKDQWKHRQHLQ\RXUKDQG
PHQRVFDURTXHHOTXHHVWHQVXPDQR

+LJK,QWHUPHGLDWH

&XQWROOHYDYHQGLGRHQOR +RZPDQ\KDYH\RXVROGVRIDUWRGD\"

TXHOOHYDPRVGHGD"
'HPDVLDGRVSDUDFRQWDU 7RRPDQ\WRFRXQW
3RGUDSDJDUFRQWDUMHWD" &RXOG,SD\E\FDUG"
0LHQWUDVQRVHDODWDUMHWDGH $VORQJDVLWoVQRW\RXUOLEUDU\FDUG

ODELEOLRWHFD
&XQWRTXLHUHSRUHVHPDUFR" +RZPXFKGR\RXZDQWIRUWKDWSLFWXUHIUDPH"

/RZ$GYDQFHG

(VWGLVSXHVWRDQHJRFLDU" $UH\RXZLOOLQJWRQHJRWLDWH"
0HGHMDUDWUHVSRUHOSUHFLR :RXOG\RXJLYHPHWKUHHIRU WKHSULFHRIWZR"
GHGRV"
6LKLFLHUDHVRHVWDUDWLUDQGR ,I,GLGWKDW,oGEHWKURZLQJP\ PRQH\DZD\
PLGLQHUR
(VRHVXQSRFRH[FHVLYR 7KDWoVDELWVWHHS
&UHHVTXHHVWR\PRQWDGRHQ 'R\RXWKLQN,oPPDGHRIPRQH\"
HOGODU"

0LGGOH$GYDQFHG

(VPLOWLPDRIHUWD|ORWRPDR ,WoVP\QDORIIHUWDNHLWROHDYHLW
ORGHMD
/HHVWR\KDFLHQGRXQDRIHUWD ,oPPDNLQJ\RXDQRIIHU\RXFDQoWUHIXVH
TXHQRVHSXHGHUHFKD]DU
0HSDUHFHXQEXHQWUDWRPH ,WVHHPVOLNHDIDLUGHDOWRPH,oOOWDNHLW
OROOHYR
|(VODJDQJDGHODRGLUD\R ,WoVWKHEDUJDLQRIWKH\HDU,oGVD\
3XHGHHQYROYUPHORSRU &DQ\RXZUDSLWXSIRUPHSOHDVH"
IDYRU"

)RU(QJOLVKVXSHUVWDUVRQO\

1XQFDVXSHTXHHUDVXQDFKLFD,QHYHUNQHZ\RXZHUHVXFKD VPDUWJLUO
WDQOLVWD
'QGHDSUHQGLVWHDUHJDWHDU :KHUHGLG\RXOHDUQWRKDJJOH
 OLNHWKDW"
DV"
$QWHVWUDEDMDEDHQXQ ,XVHGWRZRUNLQDVWUHHW
 PDUNHWLQ0RURFFR
PHUFDGLOORHQ0DUUXHFRV
|0HHVWVWRPDQGRHOSHOR <RXoUHKDYLQJPHRQ
/RGLJRHQVHULR|QDGLHSRGD ,PHDQLWQRRQHFRXOGVHOOD
 UXJOLNH,FRXOG
YHQGHUXQDDOIRPEULOODFRPR\R
/RZ%HJLQQHU

'QGHHVWQORVFRFKHV" :KHUHDUHWKHFDUV"
(VWQGHWUVGHODHVWDFLQGH 7KH\DUHEHKLQGWKHWUDLQ
 VWDWLRQ
WUHQHV
'HTXFRORUHVQXHVWURFRFKH":KDWFRORXULVRXUFDU"
&UHRTXHHVDPDULOOR ,WKLQNLWoV\HOORZ
|$TXHVW +HUHLWLV


+LJK%HJLQQHU

1RHVHVHDPDULOOR|HVHVWHGH ,WLVQoWWKDW\HOORZRQHLWoVWKLVVLOYHURQH
SODWD
(VPX\JUDQGHQR" ,WoVYHU\ELJLVQoWLW"
1RYDDYHQLUWXDPLJRFRQ ,VQoW\RXUIULHQGFRPLQJZLWKXV"
QRVRWURV"
1RSXHGHWLHQHTXHWUDEDMDUKR\ +HFDQoWKHKDVWRZRUNWRGD\
|9PRQRV /HWoVJR

/RZ,QWHUPHGLDWH

&XQWRFXHVWDDOTXLODUHVWH +RZPXFKGRHVWKLVFDUFRVW
 WRUHQW"
FRFKH"
&XHVWDGRVFLHQWRVHXURVDOGD ,WFRVWVWZRKXQGUHGHXURVD
 GD\SOXVWKHSHWURO
PVJDVROLQD
'HTXSDVYLHQHHVWHFRFKH" :KLFKFRXQWU\GRHVWKLVFDUFRPHIURP"

(VHVWDGRXQLGHQVHORXWLOL]DQ ,WoV$PHULFDQWKH\XVHLWLQWKH
 DUP\
HQHOHMUFLWR
(VGLIFLOFRQGXFLUOR" ,VLWGLIFXOWWRGULYH"

0LGGOH,QWHUPHGLDWH

6HSDUHFHPVDXQWDQTXHTXH,WORRNVPRUHOLNHDWDQNWKDQ DFDU
DXQFRFKH
$OJXLHQWUDMRPVLFDSDUDHO 'LGDQ\RQHEULQJPXVLFIRUWKH MRXUQH\"
YLDMH"
'HMDGHIXPDUWDQWRHOFRFKH 6WRSVPRNLQJVRPXFKWKHFDULVIXOORIVPRNH
HVWOOHQRGHKXPR
7RGRHOPXQGRQRVPLUD|VRPRV(YHU\ERG\oVORRNLQJDWXVZHoUH WKHNLQJVRIWKHPRWRUZD\
ORVUH\HVGHODFDUUHWHUD
3DUHPRVHQXQDJDVROLQHUD /HWoVVWRSDWDSHWUROVWDWLRQWR OOXS
SDUDHFKDUJDVROLQD

+LJK,QWHUPHGLDWH

$DOJXLHQOHDSHWHFHXQD 'RHVDQ\RQHIHHOOLNHDEHHU"

FHUYH]D"
4XGLUDQWXVDPLJRVVL :KDWZRXOG\RXUIULHQGVVD\LI WKH\NQHZWKH\VHUYHEHHULQSHWUROVWDWLRQVKHUH"
VXSLHVHQTXHVHVLUYHFHUYH]DHQJDVROLQHUDVGHDTX"

'LUDQp9DPRVDFRJHUHO 7KH\oGVD\p:HoUHJRLQJWR
 WDNHWKHQH[WLJKWWR6SDLQq
SU[LPRYXHORSDUD(VSDDq
&PRVHDSDJDQHVWDVOXFHV +RZGR\RXWXUQWKHVHLQWHULRUOLJKWVRII"

LQWHULRUHV"
&XOHVODVDOLGDGH&FHUHV" :KLFKH[LWLVLWIRU&FHUHV"

/RZ$GYDQFHG

&RJHPRVODDXWRSLVWDGHSHDMH" 6KDOOZHWDNHWKHWROOPRWRUZD\"
0VYDOHTXHUHGX]FDVOD <RXoGEHWWHUVORZGRZQ RWKHUZLVHWKH3ROLFHZLOOVWRSXV
YHORFLGDGVLQROD3ROLFDQRVSDUDU

4XKDFHPRVVLWHQHPRVXQD :KDWGRZHGRLIZHEUHDN GRZQ"


DYHUD"
$TXKRUDOHVGLMLVWHTXH :KDWWLPHGLG\RXWHOOWKHPZHoGDUULYH"
OOHJDUDPRV"
&PRGHPRQLRVYDPRVD +RZRQHDUWKDUHZHJRLQJWRSDUNWKLVPRQVWHU"
DSDUFDUHVWHPRQVWUXR"

0LGGOH$GYDQFHG

'DOHVXQWRTXHSDUDYHUVLHVWQ*LYHWKHPDEHOOWRVHHLIWKH\oUHDWKRPH
HQFDVD
$YVDOHVTXHHVWDPRVDSXQWR /HWWKHPNQRZZHoUHDERXWWRDUULYH
GHOOHJDU
0LUDSRUHOWHFKRFRUUHGL]R /RRNRXWRIWKHVXQURRI
1XHVWURVFROHJDVHVWQDOO 2XUPDWHVDUHXSWKHUHRQWKHEDOFRQ\
DUULEDHQHOEDOFQ
+DJDVORTXHKDJDVQRGHMHV :KDWHYHU\RXGRGRQoWOHWWKHPWDNHWKHFDUDQ\ZKHUH
TXHOOHYHQHOFRFKHDQLQJQVLWLR

)RU(QJOLVKVXSHUVWDUVRQO\

1DGLHTXHHVWHQVXVDQRMXLFLR1RERG\LQWKHLUULJKWPLQGZRXOGGRVRPHWKLQJOLNHWKDW
KDUDDOJRDV
|$TXQRORDGLYLQDV$OJXLHQ *XHVVZKDW6RPHRQHMXVW
 VWROHWKHFDU
DFDEDGHUREDUHOFRFKH
(OVHJXURDWRGRULHVJRLED :DVIXOO\FRPSUHKHQVLYHLQVXUDQFHLQFOXGHGLQWKHSULFH"

LQFOXLGRHQHOSUHFLR"
(VWRQRVYDDFRVWDUXQULQ 7KLVLVJRLQJWRFRVWXVDQDUPDQGDOHJ

<RORDUUHJODUDOTXLODUHVWH ,oOOVRUWLWRXWKLULQJWKLVFDUZDVDZKLPRIPLQH

FRFKHIXHFDSULFKRPR
/RZ%HJLQQHU

(VHVWHWXEHE" ,VWKLV\RXUEDE\"
(VFKLFRRFKLFD" ,VLWDER\RUDJLUO"
6XVRMRVVRQJUDQGHV\D]XOHV +HUH\HVDUHELJDQGEOXH
6XSHORHVFRUWR\PRUHQR +HUKDLULVVKRUWDQGEURZQ
(VXQDQLDPX\JXDSD 6KHoVDYHU\SUHWW\JLUO

+LJK%HJLQQHU

&XQWRVFURVWHQLV" +RZPDQ\NLGVGR\RXKDYH"
&XQWRVDRVWLHQHHOPV +RZROGLVWKH\RXQJHVW"
MRYHQ"
7XKLMRYDDOPLVPRFROHJLR 'RHV\RXUVRQJRWRWKHVDPH VFKRRODV\RXUGDXJKWHUV"
TXHWXVKLMDV"
$TXKRUDVHYDQGHFDVD" :KDWWLPHGRWKH\OHDYH KRPH"

&RPHQHQHOFROHJLRRYXHOYHQ'RWKH\KDYHOXQFKDWVFKRRORU GRWKH\FRPHEDFNKRPHWRHDW"
DFDVDSDUDFRPHU"

/RZ,QWHUPHGLDWH

(UDVEXHQHVWXGLDQWHFXDQGR :HUH\RXDJRRGVWXGHQWZKHQ
 \RXZHUHDWVFKRRO"
HVWDEDVHQHOFROHJLR"
$TXFROHJLRLEDV" :KLFKVFKRROGLG\RXJRWR"
3RUTXQRHVWXGLDQWXVQLRV:K\GRQoW\RXUFKLOGUHQVWXG\LQDVFKRROQHDUHUWR\RXUKRPH"
HQXQFROHJLRPVFHUFDGHFDVD"
&XQGRYDQDHPSH]DUHQHO :KHQDUHWKH\JRLQJWRVWDUWVHFRQGDU\VFKRRO"

FROHJLR"
/RVSXHGROOHYDU\RPDDQDVL ,FDQWDNHWKHPWRPRUURZPRUQLQJLI\RXOLNH

TXLHUHV

0LGGOH,QWHUPHGLDWH

0LVGRVQLRV\DVRQ %RWKP\FKLOGUHQDUHWHHQDJHUVQRZ
DGROHVFHQWHV
0LKLMRPD\RU\DKDHPSH]DGR 0\HOGHVWVRQKDVDOUHDG\VWDUWHGWRVKDYH
DDIHLWDUVH
$SHQDVKDEODDPHQRVTXH +HKDUGO\WDONVXQOHVVKHZDQWVWRFRPSODLQRUWRDVNXVIRUPRQH\
TXLHUDTXHMDUVHRSDUDSHGLUQRVGLQHUR

3DVDQWRGRHOGDFKDWHDQGR 7KH\VSHQGWKHZKROHGD\FKDWWLQJRQWKHLUFRPSXWHUV
HQVXVRUGHQDGRUHV
&UHHVTXHYDVDVDOLUYHVWLGD 'R\RXWKLQN\RXoUHJRLQJWR JRRXWGUHVVHGOLNHWKDW"
DV"

+LJK,QWHUPHGLDWH

<DQRVRQFURV 7KH\oUHQRWNLGVDQ\PRUH
+DWUDGRDFDVDDVXQRYLR\D" +DVVKHEURXJKWKHUER\IULHQGKRPH\HW"

1RYR\DGHMDUWHSRQHUXQ ,oPQRWJRLQJWROHW\RXJHW\RXUWRQJXHSLHUFHG

SLHUFLQJHQODOHQJXD
8QWDWXDMHHQHOKRPEUR" $WDWWRRRQ\RXUVKRXOGHU"<RXPXVWEHMRNLQJ

7LHQHVTXHHVWDUEURPHDQGR
6LVDFDUDVPHMRUHVQRWDVHQHO ,I\RXJRWEHWWHUPDUNVDW VFKRROPD\EH,oGOHW\RXGRWKHVHWKLQJV
FROHJLRWDOYH]WHGHMDUDKDFHUHVWDVFRVDV

/RZ$GYDQFHG

2MDOQRPDGXUDVHQWDQSURQWR ,ZLVKWKH\GLGQoWJURZXSVRTXLFNO\

&XQWRYDVDWDUGDUHQWHUPLQDU +RZORQJLVLWJRLQJWRWDNH \RXWRQLVK\RXUGHJUHH"


ODFDUUHUD"
6LKXELHUDVHVWXGLDGR'HUHFKR ,I\RXKDGVWXGLHG/DZ\RX FRXOGKDYHEHFRPHDODZ\HU
SRGUDVKDEHUOOHJDGRDVHUDERJDGR

1RKD\WDQWRVFKRUL]RVHQ 7KHUHDUHQoWDVPDQ\FURRNVLQ6SDLQDVODZ\HUV
(VSDDFRPRDERJDGRV
4XSLHQVDVKDFHUFRQHOUHVWR:KDWDUH\RXSODQQLQJWRGR ZLWKWKHUHVWRI\RXUOLIH"
GHWXYLGD"

0LGGOH$GYDQFHG

4XLQKXELHUDSHQVDGRTXH :KRZRXOGKDYHWKRXJKW\RX ZRXOGEHFRPHDEUDLQVXUJHRQ"


OOHJDUDVDVHUXQQHXURFLUXMDQR"
(UDVXQDQLDWDQWUDYLHVD\ <RXZHUHVXFKDQDXJKW\UHEHOOLRXVJLUO
UHEHOGH
(QYH]GHWDWXDMHV\DWLHQHVXQD,QVWHDGRIWDWWRRVQRZ\RXRZQDPRUWJDJHDQGORWVRIVKDUHV
KLSRWHFD\PXFKDVDFFLRQHV
3HURFXQGRYDVDVHQWDUOD %XWZKHQDUH\RXJRLQJWRVHWWOHGRZQDQGJHWPDUULHG"
FDEH]D\FDVDUWH"
<DHVKRUDGHTXHWHQJDVQLRV ,WoVDERXWWLPH\RXKDGFKLOGUHQ

)RU(QJOLVKVXSHUVWDUVRQO\

1RTXLHUHVTXHGDUWHSDUDYHVWLU<RXGRQoWZDQWWREHOHIWRQWKHVKHOI
VDQWRV
3RUQKR\HVVXJUDQGD )LQDOO\WKLVLVKHUELJGD\
+DFHQXQDSDUHMDHQFDQWDGRUD 7KH\PDNHDORYHO\FRXSOH
(VXQDSHQDTXHOVHDFRMR\ ,WoVDSLW\DERXWKLVOLPSDQGKXQFKEDFN
MRUREDGR
(VSHUHPRVTXHQXHVWURVQLHWRV/HWoVKRSHRXUJUDQGFKLOGUHQORRNOLNHWKHPRWKHU
VHSDUH]FDQDODPDGUH
/RZ%HJLQQHU

(VHVHWXEDQFR" ,VWKDW\RXUEDQN"
1RQRORHV0LEDQFRHVWDO 1RLWLVQoW0\EDQNLVQH[WWR WKDWQHZKRWHO
ODGRGHHVHQXHYRKRWHO
'QGHHVWODGLUHFWRUD" :KHUHLVWKHPDQDJHU"
(VWHOODKR\",VVKHKHUHWRGD\"
6HVW6XGHVSDFKRHVOD <HVVKHLV+HURIFHLVWKHVHFRQGGRRURQWKHOHIW
VHJXQGDSXHUWDDODL]TXLHUGD

+LJK%HJLQQHU

%XHQRVGDV7RPHDVLHQWR *RRGPRUQLQJ+DYHDVHDW
0HDOHJURGHYHUOHGHQXHYR ,oPJODGWRVHH\RXDJDLQ
(VWPHMRUVXPDGUHDKRUD" ,V\RXUPRWKHUEHWWHUQRZ"
1ROHYHPRVPX\DPHQXGR :HGRQoWVHH\RXYHU\RIWHQKHUHDWWKHEDQN
DTXHQHOEDQFR
(VWXVWHGEXVFDQGRGLQHUR" $UH\RXORRNLQJIRUPRQH\"

/RZ,QWHUPHGLDWH

&PRYDVXQHJRFLR" +RZoV\RXUEXVLQHVVJRLQJ"
1RYDQDGDPDO ,WoVQRWEDGDWDOO
4XHVORTXHKDFHVXHPSUHVD":KDWLVLWWKDW\RXUFRPSDQ\ GRHV"

&RPSUDPRV\YHQGHPRV :HEX\DQGVHOOIXUQLWXUH

PXHEOHV
(VHHVXQEXHQQHJRFLROD 7KDWoVDJRRGEXVLQHVVSHRSOHZLOODOZD\VQHHGWRVLWDQGWR
 VOHHS
JHQWHVLHPSUHQHFHVLWDUVHQWDUVH\GRUPLU

0LGGOH,QWHUPHGLDWH

'QGHFRPSUDXVWHGOD :KHUHGR\RXEX\PRVWRI \RXUIXUQLWXUH"


PD\RUDGHORVPXHEOHV"
5HFRJHPRVORTXHHQFRQWUDPRV :HSLFNXSZKDWZHQGLQWKH VWUHHW
HQODFDOOH
(QWLHQGREXHQRHVLPSRUWDQWH ,VHHZHOOLWoVLPSRUWDQWWRUHF\FOHLVQoWLW"
UHFLFODUQR"
$VTXHGJDPHSRUTXKD 6RWHOOPHZK\\RXoYHFRPHWRVHHXVWRGD\
YHQLGRDYHUQRVKR\
1HFHVLWRTXHHOEDQFRPHG,QHHGWKHEDQNWRJLYHPHD ORDQ
XQSUVWDPR

+LJK,QWHUPHGLDWH

3RUGHVJUDFLDQRUHJDODPRV 8QIRUWXQDWHO\ZHGRQoWJLYHPRQH\DZD\ZHOHQGLW
GLQHURORSUHVWDPRV
<VORPHORSUHVWDUQXVWHGHV $QG\RXoOORQO\OHQGLWWRPHLI,FDQSURYHWKDW,GRQoWQHHGLW
VLSXHGRGHPRVWUDUTXHQRPHKDFHIDOWD

3RUTXQHFHVLWDTXHOHGHPRV :K\GR\RXQHHGXVWRJLYH
 \RXWKLVORDQ"
HVWHSUVWDPR"
(VLPSUHVFLQGLEOHTXH ,WoVHVVHQWLDOWKDWZHEX\D WUXFNRUDWOHDVWDYDQ
FRPSUHPRVXQFDPLQRDOPHQRVXQDIXUJRQHWD

&XQWRFRVWDUDHVR"+RZPXFKZRXOGWKDWFRVW"

/RZ$GYDQFHG

3ULPHURWHQGUHPRVTXHHFKDU )LUVWRIDOOZHoOOKDYHWRWDNHD ORRNDW\RXUQDQFHV


XQYLVWD]RDVXVQDQ]DV
&XQWRVXHOHJDQDUDOPHV" +RZPXFKGR\RXXVXDOO\HDUQ DPRQWK"

7LHQHKLSRWHFDXRWURV 'R\RXKDYHDPRUWJDJHRUDQ\ RWKHUORDQV"


SUVWDPRV"
7UDEDMDXVWHGSRUFXHQWDSURSLD" $UH\RXVHOIHPSOR\HG"
(VWEXVFDQGRXQSUVWDPR $UH\RXORRNLQJIRUDVKRUWRUDORQJWHUPORDQ"
DFRUWRRDODUJRSOD]R"

0LGGOH$GYDQFHG

&XQWRVRQORVSDJRV +RZPXFKDUH\RXUPRQWKO\ PRUWJDJHUHSD\PHQWV"


PHQVXDOHVGHODKLSRWHFD"
(VWGRPLFLOLDGDVXQPLQD ,V\RXUVDODU\SDLGLQWRDQDFFRXQWZLWKWKLVEDQN"
HQXQDFXHQWDFRQHVWHEDQFR"
&PRSLHQVDUHHPEROVDUHO +RZDUH\RXSODQQLQJWRUHSD\ WKHPRQH\"
GLQHUR"
(QFLHQFXRWDVGHGRVFLHQWRV ,QRQHKXQGUHGUHSD\PHQWVRIWZRKXQGUHGDQGIW\HXURV
\FLQFXHQWDHXURVFDGDXQR
1RFUHRTXHYD\DDKDEHU ,GRQoWWKLQNWKHUHDUHJRLQJWREHDQ\SUREOHPV

SUREOHPDV

)RU(QJOLVKVXSHUVWDUVRQO\

7HQGUHPRVTXHDYHULJXDUXQ :HoOOKDYHWRZRUNRXWDUHSD\PHQWVFKHGXOH
SODQGHUHDPRUWL]DFLQ
1RVSRGUDHQVHDUVXOWLPD &RXOG\RXVKRZXV\RXUODVW
 LQFRPHWD[UHWXUQ"
GHFODUDFLQGHODUHQWD"
&XQGRYDQDSRQHUHO :KHQDUH\RXJRLQJWRPDNH WKHPRQH\DYDLODEOHWRPH"
GLQHURDPLGLVSRVLFLQ"
1RYHQGDVODSLHOGHORVR 'RQoWFRXQW\RXUFKLFNHQVEHIRUHWKH\oUHKDWFKHG
DQWHVGHFD]DUOR
7HQGUHPRVTXHHVSHUDUDTXH:HoOOKDYHWRZDLWIRUKHDGRIFHWRJLYHXVWKHJUHHQOLJKW
ODVHGHFHQWUDOQRVGHOX]YHUGH
/RZ%HJLQQHU

'QGHHVWQORVPXVHRVHQ :KHUHDUHWKHPXVHXPVLQWKLVFLW\"

HVWDFLXGDG"
+D\PXFKRVHQHOFHQWUR 7KHUHDUHPDQ\LQWKHFHQWUH
6RQPXVHRVGH$UWHRGH $UHWKH\$UWRU+LVWRU\PXVHXPV"

+LVWRULD"
(OPHMRUPXVHRGH(VSDDHVW7KHEHVWPXVHXPLQ6SDLQLVRSHQWRGD\
DELHUWRKR\
(VFDURRHVJUDWLV" ,VLWH[SHQVLYHRULVLWIUHH"

+LJK%HJLQQHU

7HJXVWDHODUWH" 'R\RXOLNHDUW"
0HHQFDQWD ,ORYHLW
6DEHVPXFKRVREUHDUWH" 'R\RXNQRZPXFKDERXWDUW"
1RVPXFKRSHURVORTXH ,GRQoWNQRZPXFKEXW,NQRZZKDW,OLNH
PHJXVWD
(VRHVORTXHGLFHWRGRHO 7KDWoVZKDWHYHU\ERG\VD\V
PXQGR

/RZ,QWHUPHGLDWH

(VVWDWXSULPHUDYLVLWDDO3UDGR",VWKLV\RXUUVWYLVLWWRWKH3UDGR"
1RYLQHDTXFRQGRFHDRV 1R,FDPHKHUHZKHQ,ZDVWZHOYH\HDUVROG

+DFHPXFKRWLHPSRHQWRQFHV $ORQJWLPHDJRWKHQ
+DQFDPELDGRPXFKDVFRVDV 7KH\oYHFKDQJHGDORWRIWKLQJVVLQFHWKHODVWWLPH\RXZHUH
 KHUH
GHVGHODOWLPDYH]TXHHVWXYLVWHDTX

(QTXODGRGHOHGLFLRHVW :KLFKVLGHRIWKHEXLOGLQJLV

ODHQWUDGD" WKHHQWUDQFHRQ"

0LGGOH,QWHUPHGLDWH

+DVHVWDGRDTXDOJXQDYH]" +DYH\RXHYHUEHHQKHUH"
3RUVXSXHVWRTXHV6XHOR 2IFRXUVH,KDYH,XVXDOO\FRPH WZLFHD\HDU
YHQLUGRVYHFHVDODR
&XQWRVHWDUGDHQYLVLWDU" +RZORQJGRHVLWWDNHWRYLVLW"
(VRGHSHQGHGHFXDQWR 7KDWGHSHQGVRQKRZORQJLW WDNHVXVWRORRNDWHDFKSDLQWLQJ
WDUGHPRVHQYHUFDGDFXDGUR
1HFHVLWDUHPRVSRUORPHQRV :HoOOQHHGDWOHDVWDIHZKRXUV
XQDVKRUDV

+LJK,QWHUPHGLDWH

6DEDVTXHDFDEDQGHDEULU 'LG\RXNQRZWKDWWKH\oYHMXVWRSHQHGDQHZEXLOGLQJ"

XQQXHYRHGLFLR"
(O5HLQD6RIDWLHQHWDQWRV 'RHVWKH5HLQD6RIDKDYHDVPDQ\SDLQWLQJVDVWKLVRQH"

FXDGURVFRPRVWH"
3RUGQGHHPSH]DPRV" :KHUHVKDOOZHVWDUW"
/RVVHUYLFLRV0HPXHURGH 7KHWRLOHWV,oPG\LQJWRJR

JDQDVGHLU
|'DWHSULVD +XUU\XS

/RZ$GYDQFHG

+D\DOJXQDSDUWHGRQGHSXHGD,VWKHUHDQ\ZKHUH,FDQOHDYH P\FRDW"
GHMDUHODEULJR"
(OJXDUGDUURSDHVWDOODGR 7KHFORDNURRPLVQH[WWRWKH JLIWVKRS
GHODWLHQGDGHUHJDORV
+D\DOJXQDSRVLELOLGDGGH ,VWKHUHDQ\FKDQFHZHFDQJRWKHUHUVW"
TXHSRGDPRVLUDOOSULPHUR"
(VWHPSH]DQGRDSRQHUPH <RXoUHEHJLQQLQJWRJHWRQP\QHUYHV
ORVQHUYLRVGHSXQWD
6LHPSUHMX]JRXQPXVHRSRUOD,DOZD\VMXGJHDPXVHXPE\WKHTXDOLW\RILWVVRXYHQLUVKRS
FDOLGDGGHVXWLHQGDGHUHFXHUGRV

0LGGOH$GYDQFHG

(PSHFHPRVSRUODVDODSULQFLSDO/HWoVVWDUWLQWKHPDLQKDOO
6HOHFRQVLGHUDHOPHMRUDUWLVWD+HoVFRQVLGHUHGWKHEHVW 6SDQLVKDUWLVWRIDOOWLPH
HVSDROGHWRGRVORVWLHPSRV
/RTXHPVPHJXVWDGHOVRQ:KDW,OLNHPRVWDERXWKLPDUHKLVIUDPHV
VXVPDUFRV
1RHUHVXQJUDQHQWHQGLGR <RXoUHQRWPXFKRID FRQQRLVVHXUDUH\RX"
YHUGDG"
7HKHGLFKRDOJXQDYH]TXHWH +DYH,HYHUWROG\RX\RXORRN
 OLNHRQHRI3LFDVVRoVSDLQWLQJV"
SDUHFHVDXQFXDGURGH3LFDVVR"

)RU(QJOLVKVXSHUVWDUVRQO\

1RSRGHPRVYHUDOJXQRV &DQoWZHVHHVRPHVHOI
 SRUWUDLWV"
DXWRUUHWUDWRV"
7RGRHVWHDUWHPHHVWPDUHDQGR$OOWKLVDUWLVPDNLQJPHGL]]\
0HHVWR\DEXUULHQGRTXLHUR ,oPJHWWLQJERUHG,ZDQWWREX\VRPHSULQWV

FRPSUDUDOJXQDVUHSURGXFFLRQHV
0LUDODVSLQFHODGDVGHHVWH /RRNDWWKHEUXVKVWURNHVRIWKLVJHQLXV

JHQLR
6LHUDWDQJHQLRSRUTXVH ,IKHZHUHVXFKDJHQLXVZK\
 GLGKHFXWKLVHDURII"
FRUWODRUHMD"
/RZ%HJLQQHU

(VWHOMHIHHQODRFLQD" ,VWKHERVVLQWKHRIFH"
1RHVWDTXKR\ +HoVQRWKHUHWRGD\
(VWGHYDFDFLRQHV +HoVRQKROLGD\
+D\DOJQSUREOHPD" ,VWKHUHDSUREOHP"
6ORKD\7HQHPRVXQ <HVWKHUHLV:HKDYHD
 SUREOHPZLWKWKHRWKHUFRPSDQ\
SUREOHPDFRQODRWUDHPSUHVD

+LJK%HJLQQHU

7HQJRTXHKDEODUFRQHOORV ,KDYHWRVSHDNZLWKWKHP,oP YHU\DQJU\


HVWR\PX\HQIDGDGR
3XHGRXWLOL]DUWXWHOIRQR" &DQ,XVH\RXUSKRQH",WoVDORFDOFDOO
(VXQDOODPDGDORFDO
3XHGRKDEODUFRQ3HGUR%ODQFR &DQ,VSHDNWR3HGUR%ODQFRSOHDVH"
SRUIDYRU"
'HSDUWHGHTXLQSRUIDYRU" :KRoVFDOOLQJSOHDVH"
6R\3HWH:KLWHOODPDQGR 7KLVLV3HWH:KLWHFDOOLQJIURP %LJ&RPSDQ\
GHVGH%LJ&RPSDQ\

/RZ,QWHUPHGLDWH

1RVHUHWLUHSRUIDYRU +ROGWKHOLQHSOHDVH
(VWIXHUDGHODRFLQD +HoVRXWRIWKHRIFHKHoOOEH
 EDFNLQKDOIDQKRXU
YROYHUHQPHGLDKRUD
4XLHUHGHMDUOHDOJQUHFDGR" 'R\RXZDQWWROHDYHDPHVVDJHIRUKLP"

'LOHTXHPHOODPHFXDQGR 7HOOKLPWRFDOOPHZKHQKHJHWVEDFN

UHJUHVH
%LHQOHGLUTXHXVWHGKD 2N,oOOWHOOKLP\RXFDOOHG

OODPDGR

0LGGOH,QWHUPHGLDWH

/HSXHGRORFDOL]DUHQVXPYLO" &DQ,ORFDWHKLPRQKLVPRELOH"
/RVLHQWRQRPHGHMDGDUHVH ,oPVRUU\KHGRHVQoWOHWPH JLYHRXWWKDWQXPEHU
QPHUR
9HUVLKD\DOJXLHQHQRWUR ,oOOVHHLIVRPHERG\LQDQRWKHU GHSDUWPHQWFDQKHOS\RX
GHSDUWDPHQWRTXHOHSXHGD
D\XGDU
1RLPSRUWD/ODPDURWUDYH] 1HYHUPLQG,oOOFDOOEDFNLQKDOI DQKRXU
HQPHGLDKRUD
+DYXHOWR\DDODRFLQDHO6U +DV0U%ODQFRUHWXUQHGWRWKH RIFH\HW"
%ODQFR"

+LJK,QWHUPHGLDWH

0HSXHGHSRQHUFRQOSRU &DQ\RXSXWPHWKURXJKWRKLPSOHDVH"
IDYRU"
1RFRQVLJRORFDOL]DUOHHVW ,FDQoWJHWWKURXJKWKHOLQHLVEXV\

FRPXQLFDQGR
3UHHUHHVSHUDUROHGLJRTXH :RXOG\RXSUHIHUWRKROGRU
 VKDOO,WHOOKLPWRFDOO\RXEDFN"
OHYXHOYDDOODPDU"
8QVHJXQGRSRUIDYRUOHSDVR 2QHPRPHQWSOHDVH,oP SXWWLQJ\RXWKURXJK

&UHRTXHOHKDQSDVDGRPDO ,WKLQN\RXoYHEHHQWUDQVIHUUHG WRWKHZURQJQXPEHU

/RZ$GYDQFHG

,QWHQWRSDVDUODOODPDGDRWUD 6KDOO,WU\WRWUDQVIHU\RXUFDOODJDLQ"
YH]"
6U%ODQFROODPDXQWDO0U 0U%ODQFRWKHUHoVD0U:KLWH RQWKHOLQH
:KLWH
'LOHTXHPHHVWR\OLPDQGRODV 7HOOKLP,oPOLQJP\QDLOVRUVRPHWKLQJOLNHWKDW
XDVRDOJRDV
(O6U%ODQFRHVWUHXQLGRHQ 0U%ODQFRLVQRWDYDLODEOHDW WKHPRPHQW
HVWRVPRPHQWRV
6LQRPHDWLHQGHHQVHJXLGD ,IKHGRHVQoWDWWHQGPHULJKWDZD\,oOOEHIRUFHGWRFDQFHODOORXURUGHUV
PHYHUREOLJDGRDFDQFHODUWRGRVQXHVWURVSHGLGRV

0LGGOH$GYDQFHG

1RFXHOJXHWRGDYD 'RQoWKDQJXS\HW
9R\DLQWHQWDUFRPXQLFDURWUD ,oOOWU\WRUHFRQQHFW\RX
YH]
(VWVRQDQGRSHURQRFRQWHVWD ,WoVULQJLQJEXWWKHUHoVQRUHSO\
$KRUDODVHDOGHOQHDPHGD 1RZ,oPJHWWLQJWKHQXPEHU XQREWDLQDEOHVLJQDO
FRPRGHVFRQHFWDGD
/HLPSRUWDUDYROYHUDPDUFDU" :RXOG\RXPLQGGLDOOLQJDJDLQ"

)RU(QJOLVKVXSHUVWDUVRQO\

/RVLHQWRYR\DWHQHUTXH ,nPVRUU\,oPJRLQJWRKDYHWRFXW\RXRII

FROJDU
|3RQPHFRQORVLQRYHUV 3XWPHWKURXJKWRKLPRUHOVH
+DVOODPDGRDOFRQWHVWDGRU <RXoYHUHDFKHGWKHYRLFHPDLORI3HGUR%ODQFR

DXWRPWLFRGH3HGUR%ODQFR
'HMHVXPHQVDMHGHVSXVGH 3OHDVHOHDYH\RXUPHVVDJHDIWHUWKHWRQH

ODVHDO
|/RTXHIDOWDED 7KDWoVWKHODVWVWUDZ
/RZ%HJLQQHU

&PRHVWWXKHUPDQDDKRUD" +RZoV\RXUVLVWHUQRZ"
(VWPXFKRPHMRUJUDFLDV 6KHoVPXFKEHWWHUWKDQNV
<WTXWDO" $QG\RXKRZDUH\RXGRLQJ"
1RHVWR\PX\ELHQ ,oPQRWYHU\ZHOO
3RUTX"(VWVHQIHUPR" :K\"$UH\RXLOO"

+LJK%HJLQQHU

7HQJRGRORUGHPXHODV ,KDYHDSDLQLQP\WRRWK
3RUTXQRYDVDOGHQWLVWD" :K\GRQoW\RXJRWRWKHGHQWLVW"

1RPHJXVWDPXFKRPLGHQWLVWD ,GRQoWOLNHP\GHQWLVWPXFK
$QDGLHOHJXVWDVXGHQWLVWD 1RERG\OLNHVWKHLUGHQWLVWEXW,OLNHPLQH
SHURDPVPHJXVWDHOPR
0HSXHGHVGDUVXQPHUR &DQ\RXJLYHPHKLVQXPEHUSOHDVH"
SRUIDYRU"

/RZ,QWHUPHGLDWH

&RQTXIUHFXHQFLDYDVDO +RZRIWHQGR\RXJRWRWKH
 GHQWLVW"
GHQWLVWD"
7UDWRGHLUXQDYH]FDGDGLH]DRV,WU\WRJRRQFHHYHU\WHQ\HDUV
&XQGRIXHODOWLPDYH]TXH :KHQZDVWKHODVWWLPH\RXZHQW"

IXLVWH"
/DOWLPDYH]TXHYLDXQ 7KHODVWWLPH,VDZDGHQWLVW
 ZDVLQWKHQLQHWLHV
GHQWLVWDIXHHQORVQRYHQWD
'HEHUDVLUGRVYHFHVDODR <RXVKRXOGJRWZLFHD\HDU

0LGGOH,QWHUPHGLDWH

4XHUDSHGLUKRUDSDUDODVWUHV ,oGOLNHWRPDNHDQDSSRLQWPHQW IRUWKUHHRoFORFN

3RGUDWRPDUDVLHQWRHQOD &RXOG\RXWDNHDVHDWLQWKH ZDLWLQJURRP"


VDODGHHVSHUD"
7HQJRXQSRFRGHPLHGRHQ ,oPDOLWWOHDIUDLGRIWKHVHSODFHV
HVWRVVLWLRV
3RUTXQROHHVDOJRHLQWHQWDV :K\GRQoW\RXUHDGVRPHWKLQJ DQGWU\WRUHOD["
UHODMDUWH"
+D\DOJXQDVUHYLVWDVHQODV 7KHUHDUHVRPHPDJD]LQHVRQWKHVKHOYHV
HVWDQWHUDV

+LJK,QWHUPHGLDWH

&XQWRKDFHTXHQRYLHQHV" +RZORQJKDVLWEHHQVLQFH\RX ODVWFDPH"

/OHYRGLH]DRVVLQLUDXQ ,KDYHQoWEHHQWRDGHQWLVWLQ
 WHQ\HDUV
GHQWLVWD
4XFODVHGHFHSLOORGH :KDWW\SHRIWRRWKEUXVKGR
 \RXXVXDOO\XVH"
GLHQWHVXWLOL]DV"
4XPDUFDGHSDVWDGH :KDWPDNHRIWRRWKSDVWHGR
 \RXOLNH"
GLHQWHVWHJXVWD"
&RQTXIUHFXHQFLDWHODYDV +RZRIWHQGR\RXEUXVK\RXU
 WHHWK"
ORVGLHQWHV"

/RZ$GYDQFHG

(OLQWHULRUGHWXERFDVHSDUHFH 7KHLQVLGHRI\RXUPRXWKORRNVOLNHDSLDQRNH\ERDUG
DOWHFODGRGHXQSLDQR
&XQWRVHPSDVWHVWLHQHV" +RZPDQ\OOLQJVGR\RXKDYH"
4XH\RVHSDVORWHQJRVLHWH $VIDUDV,NQRZ,RQO\KDYH VHYHQ

7LHQHVXQDVFDULHVHQGRVGH <RXKDYHVRPHGHFD\LQWZRRI \RXUZLVGRPWHHWK


ODVPXHODVGHOMXLFLR
0HWHPRTXHODVWHQJDPRV ,oPDIUDLGZHoUHJRLQJWRKDYH WRWDNHWKHPRXW
TXHVDFDU

0LGGOH$GYDQFHG

3RGUDVVDFDUODOHQJXD" &RXOG\RXVWLFN\RXUWRQJXHRXWDPRPHQW"

7HODYDVODVHQFDVDGHPV 'R\RXFOHDQ\RXUJXPVDVZHOODV\RXUWHHWK"
GHORVGLHQWHV"
6HUDUHFRPHQGDEOHXWLOL]DU ,WZRXOGEHUHFRPPHQGDEOHWR XVHDPRXWKZDVK
XQHQMXDJXHEXFDO
+DVLQWHQWDGRXWLOL]DUKLOR +DYH\RXHYHUWULHGXVLQJ GHQWDORVV"
GHQWDODOJXQDYH]"
3XHGHTXHHVWRWHGXHODXQSRFR 7KLVPLJKWKXUW\RXDOLWWOH

)RU(QJOLVKVXSHUVWDUVRQO\

(VWHVLOOQUHFOLQDEOHHVPX\ 7KLVUHFOLQLQJFKDLULVDORWRI
 IXQ
GLYHUWLGR
0LUDKDFLDHOWHFKRFRQOD /RRNDWWKHFHLOLQJZLWK\RXU
 PRXWKZLGHRSHQ
ERFDPX\DELHUWD
,QWHQWDGHMDUGHEDEHDUSRUIDYRU7U\WRVWRSGURROLQJSOHDVH
7HYR\DLQ\HFWDUFRQXQ ,oPJRLQJWRLQMHFW\RXZLWKD
 VPDOOSDLQNLOOHU
SHTXHRDQDOJVLFR
$TXWHORHVWVSDVDQGR ,EHW\RXoUHKDYLQJDZKDOHRID WLPHDUHQoW\RX"
ERPEDHK"
/RZ%HJLQQHU

&XQGRHVWXERGD" :KHQLV\RXUZHGGLQJ"
(VHQPDU]R ,WoVLQ0DUFK
1XHVWUDERGDHVHQSULPDYHUD 2XUZHGGLQJLVLQVSULQJ
(QTXIHFKDHVODERGD" :KDWGDWHLVWKHZHGGLQJ"
(VHOOWLPRGDGHPHV ,WoVRQWKHODVWGD\RIWKHPRQWK

+LJK%HJLQQHU

(VWVQHUYLRVDSRUHOOR" $UH\RXQHUYRXVDERXWLW"
<RQRSHURPLPDULGRV ,oPQRWEXWP\KXVEDQGLV
&UHRTXHHVWVKDEODQGRGH ,WKLQN\RXoUHWDONLQJDERXW \RXUER\IULHQG
WXQRYLR
%XHQRWHQWLHQGHVORTXH :HOO\RXXQGHUVWDQGZKDW,oPVD\LQJ
HVWR\GLFLHQGR
(VWOLVWRWRGR" ,VHYHU\WKLQJUHDG\"

/RZ,QWHUPHGLDWH

&XQWDJHQWHKDEU" +RZPDQ\SHRSOHZLOOWKHUHEH"
(VHVHHODQLOORTXHWHFRPSU",VWKDWWKHULQJKHERXJKW\RX"
&XQGRWHSLGLTXHWH :KHQGLGKHDVN\RXWRPDUU\
 KLP"
FDVDUDVFRQO"
4XLHUHVTXH\RRUJDQLFHODV 'R\RXZDQWPHWRRUJDQLVH
 WKHRZHUV"
RUHV"
(QTXLJOHVLDRVYDLVDFDVDU" :KLFKFKXUFKDUH\RXJRLQJWRJHWPDUULHGLQ"

0LGGOH,QWHUPHGLDWH

+DVHQYLDGRODVLQYLWDFLRQHV +DYH\RXVHQWRXWWKHLQYLWDWLRQV\HW"
\D"
7RGDYDHVWDPRVGHFLGLHQGR :HoUHVWLOOGHFLGLQJRQKRZ PDQ\JXHVWVWKHUHZLOOEH
FXQWRVLQYLWDGRVKDEU
+DVFRPSUDGRHOYHVWLGR\D" +DYH\RXERXJKW\RXUGUHVV\HW"
6\DKHHQFRQWUDGRDOJR <HV,oYHDOUHDG\IRXQGVRPHWKLQJ

'QGHYDLVGHOXQDGHPLHO" :KHUHDUH\RXJRLQJRQ KRQH\PRRQ"

+LJK,QWHUPHGLDWH

7HFDVDUVGHEODQFR" :LOOLWEHDZKLWHZHGGLQJ"
+DSUHSDUDGROXQGLVFXUVR" +DVKHSUHSDUHGDVSHHFK"
/HTXHGDPXFKRWLHPSRDQWHV +HKDVDORWRIWLPHOHIWEHIRUHKHKDVWRGRWKDW

GHTXHWHQJDTXHKDFHUHVR
7HOOHYDVELHQFRQVXVSDGUHV" 'RHVKHJHWRQZHOOZLWK\RXUSDUHQWV"

|9DPRVDVHUFXDGDV :HoUHJRLQJWREHVLVWHUVLQODZ

/RZ$GYDQFHG

&XQWDVGDPDVGHKRQRUYDV +RZPDQ\EULGHVPDLGVDUH\RXJRLQJWRKDYH"&DQ,EHRQH"
DWHQHU"3XHGRVHU\RXQD"
'HMDGHKDFHUPHWDQWDV 6WRSDVNLQJPHVRPDQ\TXHVWLRQV
SUHJXQWDV
|(UHVXQDDXWQWLFDSHVDGD <RXoUHDUHDOSDLQLQWKHQHFN
1RORSXHGRHYLWDUHVWR\WDQ ,FDQoWKHOSLW,oPVRH[FLWHG
HPRFLRQDGD
3HQVLVWHQHUKLMRVHQXQ $UH\RXSODQQLQJWRKDYH FKLOGUHQLQWKHQHDUIXWXUH"
IXWXURFHUFDQR"

0LGGOH$GYDQFHG

'QGHFHOHEUDVWHODGHVSHGLGD:KHUHGLG\RXFHOHEUDWH\RXU KHQQLJKW"
GHVROWHUD"
+LFLVWHWUDYHVXUDV" 'LG\RXJHWXSWRPLVFKLHI"
6LKXELHUDKHFKRDOJRQRWHOR ,I,KDGGRQHDQ\WKLQJ,ZRXOGQoWWHOO\RX
GLUD
<OWXYRXQDGHVSHGLGDGH $QGGLGKHKDYHDVWDJSDUW\"
VROWHUR"
6SHURPHSURPHWLTXHVH <HVEXWKHSURPLVHGPHWKDW KHEHKDYHGKLPVHOI
FRPSRUWELHQ

)RU(QJOLVKVXSHUVWDUVRQO\

7HWRPRDWLFRPRPLHVSRVD ,WDNH\RXWREHP\ZLIH
3DUDELHQRSDUDPDOHQOD 7KURXJKJRRGDQGWKURXJKEDGIRUULFKRUIRUSRRULQ VLFNQHVVRULQKHDOWK
ULTXH]DRHQODSREUH]DHQODVDOXGRHQODHQIHUPHGDG

3DUDDPDUWH\UHVSHWDUWHKDVWD7RORYHDQGUHVSHFW\RXXQWLOGHDWKGRXVSDUW
TXHODPXHUWHQRVVHSDUH
+DEODDKRUDRFDOODSDUDVLHPSUH 6SHDNQRZRUIRUHYHUKROG\RXUSHDFH

<DSXHGHEHVDUDODQRYLD <RXPD\QRZNLVVWKHEULGH

Você também pode gostar